Many people start thinking about their own or their loved ones’ living situation around December and to help you in this, we’ve put together a pretty comprehensive list of the types of senior housing available and what it means to a consumer. Of course, as we head into the future, we expect a lot of creativity and innovation in the field, so this list is not intended as a final product, but here goes:
Alzheimer’s / Dementia
Many Assisted Living communities cater to individuals with Alzheimer’s disease and other related memory disorders. There is a growing trend towards specialized communities that provide care and housing tailored to the special needs of individuals with this disease. What sets these facilities apart is the care provided that fosters residents individual skills and interests in an environment that helps to diminish confusion and agitation. Specialty services are provided in a secure environment by specially trained professional staff skilled in handling the behavior associated with memory impairments.
Senior Apartments
Senior apartments are independent apartments that are age restricted – starting at 55 or 62 years of age. Some senior apartment communities may have an on-site meal program (generally no more than one meal per day) and housekeeping services available at a separate cost. There are federal and state programs that help pay for this level of housing for seniors with low to moderate income. Rent payments are usually a percentage of income or a pre-adjusted low income rate for those that qualify. Many of these communities include amenities such as a club house/meeting room, library, laundry facilities, beauty/barber shop, transportation, fitness center, etc. Some may also offer a Service Coordinator to assist in procuring additional services. Other types of Active Senior Communities exist, including single family homes, condominiums or mobile homes.
Assisted Living
Residential Care
Assisted Living, the largest growing type of housing, provides a special combination of residential housing, personalized supportive services and health care designed for the individual needs of those requiring help with activities of daily living (dressing, bathing, grooming, etc.), and do not require skilled medical care provided in a nursing home. There are a variety of names and license designations in different parts of the country: Board and Care, Residential Care, Community Based Retirement Facilities, Personal Care, Adult Living, Adult Foster Care. However, the growing generic term throughout the country is “Assisted Living”. Services and level of care will vary, however most Communities provide assistance with daily activities, meals, laundry, and housekeeping.
Assisted Living Communities offer a wide range of choices from the cozy familiarity of a single family home to the more extensive apartment style environment. These communities can be free standing or part of a Continuing Care Community that provides independent, assisted and nursing care, or specialized services may be brought into independent retirement communities.
Continuing Care Communities
Continuing Care Retirement Communities (CCRC), also known as Life Care Communities, are residential campuses that provide a continuum of care – from apartments/homes to assisted living and if needed, skilled nursing care, all in one location. CCRC communities range in entrance fees/rates and available services.
Home Care and Services
Home Care is a cost-effective alternative to hospital care or other institutional care. You can receive health care or personal care services within your own home with the assistance of a home care agency. Services are available to people of all ages on a basis of daily visits, monthly visits, or hourly care, up to 24-hours a day. Increasingly, older people are choosing to live independent lives and take advantage of home care services. However, agencies are not regulated by a unified agency so be sure to do your homework and ask for referrals before hiring a service. Additionally, recent studies have shown that the longer seniors stay in their homes, the better the outcomes.
Hospice
Today, the Hospice industry is mammoth – valued somewhere in the realm of 14billion annually. Hospice is designed to provide compassion and support for individuals in the final phase of a terminal illness and to allow them to spend their last days with dignity in as comfortable and pain-free manner as possible. Hospice care can be in a number of settings: in the privacy of your home, in a hospice facility or a nursing home.
Independent Living
These communities, often referred to as Retirement or Congregate Living, are designed specifically for independent senior adults in an apartment like environment with 24-hour on-site supervision. Services usually include meals, laundry and housekeeping. Social Activities are a large part of the “value” and help to foster a great sense of community among the residents. Only private pay is accepted in the rental communities and there is a wide range of differences among them.
Nursing / Rehab Centers – These facilities provide room and board, personal care, protection supervision and medical care. Generally, these facilities are licensed and regulated by the State Department of Public Health and since many are reliant on Medicare options, they for the most part are tightly regulated. Visit Medicare.gov for rankings in your area. Individually certified by the State for Medicare and Medicaid. Facilities accept a variety of payment options: Medicare/Medi-Cal, Medicaid, private insurance, and private funds. Three levels of care are provided:
• Basic Care – Required to maintain activities of a resident’s daily life. This includes mobility, personal care, grooming, nutrition, personal care, supervision and safety.
• Skilled Care – Requires the regular services of a registered nurse for treatments and procedures.
• Sub-Acute – Comprehensive in-patient care for someone with an acute illness, injury, or worsening of a disease process.
Aging In Place & CCRCs -
Campus-style communities provide a continuum of housing, services, and nursing care, usually at one location, to meet residents’ needs as they grow older. These communities charge for the type of housing and level of care a resident requires at the time he or she enters the community. As the resident’s needs change, the fees also change accordingly.
Continuing care retirement communities (CCRCs) are one type of campus-style commu- nity. Typically, CCRCs charge an endowment fee to enter, and a monthly fee for a pack- age of services specified in the residents’ contracts. The entrance fees and monthly fees charged by CCRCs cover, in advance, some or all services and care, a form of insurance for a senior’s later years. Some contracts only guarantee access to nursing services, while others cover the full cost of future nursing care that the resident may need. This contract is what distinguishes a CCRC from other types of campuses that include a nursing home and senior housing.
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