Assisted Living Facilities
Many people as they age require more than just doctors treatment. For many, it’s time to live in an assisted living facility. This can result in a more convenient and comfortable life for residents.
They can live knowing that help is not far away in case of an accident or incident.
When it’s time to consider moving to an assisted living facility, it shouldn’t be a rush decision. Many facilities should be investigated, researched and visited. Finding the correct one will enrich the life of the resident to a great degree.
What to Look for in an Assisted Living Facility
Not all assisted living facilities are created equal. Assisted living is not a cheap option, but is often quite needed. Because you’re making such a big investment, you want to make sure that you choose an option that will be great for yourself or your loved one. Here are some of the things that you want to consider when looking for an assisted living facility.
- Staffing - The number and type of staff on site is one of the most important things in an assisted living facility. Many contain a registered nurse on site 24 hours per day. This is generally one of the better options. Considering the amount of staff to the amount of residents is another way to determine just how much personal attention could be received.
- Condition Specialization - If you or your loved one has a specific condition like Diabetes or Alzheimer's, there will likely be specific needs for the resident. Many assisted living facilities will have many ways to cater to these and other conditions.
- Fee Structure - It’s important to note how any assisted living facility structures their services. Some may show a very low payment, but in reality as soon as you add a bunch of required services, the price shoots up for these “extras”.
- Care Plan - Different facilities can use different people as their care plan designers. Some appreciate and incorporate input, but others don’t want outsiders messing with their care plans as they see it. You want to make sure that whoever is designing your residents care plan is open to input and working together.
When you’re touring assisted living facilities, look at the little things. Watch as staff interacts with residents and the way they do. This small thing can be a great hint to whether or not the residents are happy and feel respected in their day to day lives.
Assisted Living Retirement Communities
There are certainly a large amount of assisted living communities for people to be a part of in the United States. Here are some of the very best that dot the nation:
- Holiday Retirement
- Brookdale Senior Living Solutions
- Five Star senior Living
- Sunrise Senior Living
- Life Care Services
- Atria Senior Living
- Erickson Living
How to Afford Assisted Living
A lot of people feel that their medical insurance covers moving into an assisted living facility. The truth is that’s not always the case. Many policies will only partially cover it, or almost not at all. Medicare is not the answer to paying for assisted living facilities.
If you’re anticipating one day needing to life in an assisted living facility, a long term care insurance policy is one of the better options. Certain policies will only cover “ registered” facilities, but even then, that’s a step up from not being able to pay for it at all. Additionally, you can often sell your life insurance policy back to the issuer or to a third party. You’ll only get between 50% to 75% of the actual policy value, but that can be enough to help with the facility payments.
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