制定護理計劃

aPlace^)rMom?

SENIORLIVING

Planner&Guide

SeniorLivingGuide&Planner

SeniorLiving101

0Discoverthevariouslevelsofcareand

whattypeofseniorcommunitywould

bestsuityourlovedone.

PayingforSeniorCare

Learnaboutuncommonsourcesof

fundingthatfamiliescanusetohelp

payforseniorlivingandcareexpenses.

'―TipsforTouring

SeniorCommunities

Costs,services,amenities,character,

residentdemographicsandsocial

programsvarywidelyacrossseniorlivingDiscussingatransitiontoseniorliving

communities.Gettipsonwhattolookforandmakingadecisionwithyourloved

andhowtofindtherightfitforyourneeds.oneandotherfamilymembersisn't

alwayseasy.Learnhowtobestprepare

andhavethoseconversations.

?Copyright2015APlaceforMom,Inc.Allrightsreserved.2

StepsintheSeniorLivingJourney

Wehelpfamilieswithoneofthemostdifficultlifetransitionsthey911evermake一theprocessofleavingan

establishedhomeandmovingintoaseniorlivingcommunity.

Thegoodnewsisthatyou'vealreadymadethefirststepintheseniorlivingjourneybycontactingyourSenior

LivingAdvisor.YourAdvisorisdedicatedtounderstandingyourfamily'sneedsandhelpingyoufindarange

ofoptionstailoredtoyouruniquesituation.YoushouldviewyourAdvisorasyourpartnerthroughoutthis

process;theywillkeepintouchwithyouregularlyandyoushouldfeelfreetocallyourAdvisoranytime.

Selectingcareforanaginglovedoneisacomplexandpersonalchoice.Whiletherearemanyaspectsto

consider,we'veidentifiedfourprimarystepstoguideyouthroughtheprocess.

]GetEducatedAboutCareOptions

Overthepast30years,seniorlivinghasevolvedbeyond

retirementandnursinghomes.Today'sseniorliving

optionsnotonlymeetthecareneedsofolderadults,theyalso

complementpersonalities,interestsandhobbies.Examples

includecommunitiesdesignedforseniorswhoshareanaffinity

forgolforclassiccarsorRVs,tosociallyvibrantassistedliving

communitiesthatplaceaspecialemphasison

gourmetdiningexperiences,pettherapy,culturalartsBeckyW.

programmingandlife-longlearning.Additionally,thereare-FoundAssistedLivinginOlathe,KS

purpose-builtmemorycarecommunitiesthatallowmore

freedomandsafetyforpeoplewithdementia.Becoming

familiarwiththevarioustypesofseniorcareisimportantand

canhelpyouspeakconfidentlywithlovedonesaboutoptions

andnextsteps.

ConsiderYourBudget

knewitwasthebestthingand

knewitwasthebestthingandMy

momisdoinggreat!IMymomisInourexperience,mostfamiliesaren'tawareofthefull

doinggreat!Irangeofresourcesavailabletohelppayforcare.Beyond

IbelievedsheandeveryoneIwh#yourlovedonecanaffordonamonthlybasisfromsavings

andncome,youcanexploreoptionslikeVAbenefits,reverse

believedsheandeveryonewould

mortgages,orevenlifeinsurancepolicies.ThisGuide,alongwith

benefit,butevenIwaswouldbenefit,yourSeniorLivingAdvisorcanprovidemoredetailonwhat

butevenIwassurprisedsurprisedatfinancialoptionsmaybeavailableforyouandyourlovedone.

howwellshedidmovingathowwell

shedidmovingin.Shehasin.Shehas

someindependencebacksome

independencebackandIknowandI

Mygrandmotherisveryhappy

there,andevenhasa'boyfriend!'

3~Sheis98,heis81-andtheysit

Ifyourlovedonehasn'tyetbeenincludedinthetogetherandholdhands-verysweet!

seniorcarediscussion,wehighlyrecommendtouring

propertiesbeforedoingso.Noamountoftimeviewingphotos,Shesaid「Whydidn'tyousendmehere

brochures,floorplansorreviewscanprovidetheconfidenceandearlier?Thisisagreatplaceforpeoplelike

knowledgeyouneedtohaveapotentiallydifficultconversation.

me,wehavesomuchfunhere,we

Scheduleatourataminimumofthreecommunitiesonyour

playbingoandhaveartsandcrafts!9

shortlist.Weadvisevisitingduringlunchtogetagoodsenseof

thecommunity'scultureasmostoftheresidentswillbearound

duringmealtime.Ibelieveshehasforgottenthatshenever

wantedtoleaveherhome,andhow

muchofafightsheputupwhenwe

wantedhertomove.Again,weare

thankfulthatitallworkedoutand

Basedontheseinitialtours,narrowyoursearchtoafewsheisnowhappyandabletosocialize

favorites,thenmakefollow-upvisits,perhapsunannounced,toagain.

getagoodsenseforthecommunityyouareconsidering.Make

KristenW?-FoundAssistedLivinginAllentown,PA

suretosnapafewphotos,collectbrochuresandtakenotes

aboutyourimpressions.YourSeniorLivingAdvisorcanmakethis

processeasierforyoubyarrangingallofyourtoursinoneshort

call.Wealsoprovideonlinetoolsfororganizingandsharingyour

Whenmovingyourlovedonetotheirnewhome,establishinga

noteswithotherfamilymembers.

familiarenvironment,withthesameoldrecliner,TV,booksand

photos,ratherthanbuyingtheperfectnewcouchorcarpet,can

PlanForandMaketheMoveeasetheadjustment.Keepinmindthatonceyourlovedone

hasmadethetransition,itmaytakeafewweeksforthemto

getusedtolivinginanewenvironmentBepatient;we've

4Onceyou'veselectedoneortwopreferredoptionsforfoundthatmostseniorsaskthemselveswhytheydidn/tmove

yourlovedone,invitethemtovisitthecommunityforsooner!

lunchorduringanotheractivity.Yourlovedonewilllikelyfeel

moreconfidentandcomfortablewiththeideaofachangein

lifestyleifhisorherfamilyiswiththemandshowingsupport.

Whenpossible,involveyourfamilymembersindiscussionsabout

theprosandconsofeachoption.Trytofindconsensusforthe

bestchoiceandmakesurethateveryoneinyourfamilyfeels

includedinthefinaldecision.Youcanalwaysbounceideasoffof

yourSeniorLivingAdvisorduringyourdecision-makingprocess,

andreadconsumerreviewsinMySearch(linkprovidedinthe

emailyoureceivedfromyourAdvisor)toseeotherpeople's

impressionsofthecommunitiesonyourreferrallist.Inany

event,theultimatechoicewillneedtobemadebyyouoryour

lovedone.

SeniorLivingGuide&Planner

4

SeniorLiving101

'7don'tknowwhatIwouldhavedonewithoutyourguidance.

TheinformationmadeavailabletomewasexcellentwhenIbegan

mysearchforassistedliving.Iwasn'tawarethereweresomany

typesof

seniorcare,butwithyourhelpandcorrespondence,Iwasableto

makeadecisionwithmymotherwhereshewillbehappy.

CarolG.-FoundAssistedLivinginDallas,TX

?Place^'Mom

Whenyou'resuddenlyfacedwithfindingseniorcarefbralovedone,you'llencounteravastandunfamiliar

numberofcaretypesandoptions.Mostpeoplequicklylearnandunderstandthedifferencesbetweencare

types,butfindthecomplexityofselectingappropriatecareoverwhelming.

Howdoyouknowwhichlevelofcareyourlovedoneneeds?Theanswerdependsuponhowmuchassistance

with"ActivitiesofDailyLiving,“alsoknownasADLs,yourlovedonerequires.Thesearetheday-to-day

activitieswedotosustainourselves,suchaseating,bathing,toileting,dressingandgrooming.

We'vecompiledalistofcoiniTioncaretypesyoumayencounter:

ForActive,HealthySeniorsIndependentLiving/RetirementCommunities

Independentlivingcommunitiesarealsoknownas

SeniorApartments/55+ApartmentsAlsoreferredtoretirementhomesorseniorhousing.Theyusually

as55+apartments,agerestrictedapartments,seniorprovidediningservicesandlighthousekeeping,butdo

condos,55+condos,cottagesandadultcommunities.notofferpersonalcareservices.However,outsidehome

SeniorapartmentsarejustlikeapartmentsforpeopleofcareproviderscanbehiredtoassistwithADLs.

allages,buttheyhaveanagerestriction;typically

residentsmustbeolderthan55or62.Olderadultsoften

feelmoresecureinseniorapartments,andpreferliving

nearpeoplefromtheirowngeneration.

?Copyright2015APlaceforMom,Inc.Allrightsreserved.7

SeniorLivingGuide&Planner

ForSeniorsWhoNeedDailySupport

AssistedLivingMemoryCare/Alzheimer'sCare

Assistedlivinghousingisalong-termseniorcareoptionthatMemorycareisspecialized,securedcareforpeoplewhohave

providesservicessuchasmeals,medicationmanagement,Alzheimer'sdiseaseoranothertypeofdementia.Residents

bathing,dressingandtransportation,buttypicallynotthe24-liveinasafe,secureenvironmentdesignedtomaximizetheir

hourmedicalcarefoundatskillednursinghomes.Assistedlivingstrengthsandminimizetheirlimitations.Thestaffatmemory

communitiestendtoofferhighqualityrestaurantstyledining,carecommunitieshaveextratrainingindementiacaregiving

outings,andsocialactivitiessuchasgardening,cooking,writing

andartclasses,exerciseprograms,bookclubsandmore.

NursingHomes/SkilledNursingFacilities

Nursinghomes,alsocalledskillednursingfacilities,arefor

ResidentialCareHome/BoardandCareseniorswhorequirethehighestlevelof24-hourcare,

Carehomesareordinaryhomesinresidentialneighborhoodsincludingthosewhoarebedridden.Nursinghomesarealso

thathavebeenadaptedtocareforasmallgroupofresidents.usedbyseniorsforrehabilitationfollowingahospitalization.A

Offeringservicessimilartoassistedlivingcommunities,carePlaceforMomisprohibitedbyapplicablefederallawsfrom

homesspecializeinprovidingpersonalizedcareinahome-likereferringtothesecommunities,asmostareforMedicaidor

environment.publicpayrecipients.

Dementiavs.Alzheimer'sDisease

Dementiaischaracterizedbyadeclinein

brainfunctioningsevereenoughthatit

interfereswiththeabilitytofiinctionindaily

life.Dementiasymptomsincludememory

loss,andimpairedthinking,language,

judgment,andbehavior.Alzheimer'sdisease

isthemostcommontypeofdementia.75%

ofpeoplewithdementiasymptomsare

diagnosedwithAlzheimer'sdisease.

ForSeniorsWhoLiveatHomeandNeedSupport

RespiteCare/Short-TermStayHomecareservicesareprovidedbyavisitingaid.Homecare

Respitecaretypicallyreferstoashort-termstayatalongtermaidstypicallyprovidenon-medicalassistancewithADLs.

carecommunity.Respitecarecanalsorefertoin-homeAdultDayCare/AdultDayServices

caregivingservicesusedforonlyashortperiod.FamilyAdultdaycareisasafeplaceforseniorswhorequire

caregiversuserespiteserviceswhentheyneedabreakorassistancewithactivitiesofdailylivingduringthedayzand

haveotherobligations.returntotheirownhomeintheafternoonorevening.Adult

dayservicespreparemealsandsponsorvariousrecreational

HomeCareactivities.Manyadultdaycentersspecializeinprovidingcare

forseniorswithAlzheimer'sorothertypesofdementia.

?Place^'Mom

GlossaryofSeniorLivingTerms

ActivitiesofDailyLiving(ADL)

ActivitiesofDailyLiving,alsoknownas"ADLs,“aretheday-to-dayactivitieswedotosustainourselves,suchaseating,

drinking,bathing,toileting,dressing,andgrooming.Theappropriatecaretypeforaseniorseekingseniorlivingislargely

basedontheamountanddegreeofassistancewithADLsrequired.

Assessment/CarePlan

Shortlybeforeyoumoveintoaseniorlivingcommunity(assistedlivingormemorycare),thestaffwillconductanassessment.

Theassessmentisaprocesstogatherinformationaboutaperson/slife,functionalabilitiesandneeds,andisusedtodevelop

anindividualizedcareplan.Thecareplandescribestheactivitiesthatthestaffwillperformtoenhance,restoreormaintain

one/soptimalphysical,mentalandsocialwell-being.

DurablePowerofAttorney

Adurablepowerofattorneydesignateswhowilltakecareofyouraffairsifyouareunabletodecideforyourselfinthe

caseofmentalorphysicalincapacitation.Seniorscandesignateonepersontohandlehealthdecisions(thehealthcare

proxy)andanotherforfinancialdecisions(thefinancialproxy)ortheycandesignateonepersonforbothroles.

ExecutiveDirector/ActivitiesDirector

TheExecutiveDirectorrunsaseniorlivingcommunity.TheActivitiesDirectorrunsevents,parties,socialandrecreational

activitiesataseniorlivingcommunity.

InstrumentalActivitiesofDailyLiving(IADL)

InstrumentalActivitiesofDailyLivinglADLsarethesecondarylevelofdailyactivitieswedotosustainourselvessuchascooking,

writinganddriving.

LivingWillorAdvanceHealthCareDirective

Alivingwill,alsoknownasanadvancehealthcaredirective,isusedtoindicatechoicesaboutend-of-lifecare.Forexample:

Wouldyouwantaventilatorandfeedingtubeusedtokeepyoualiveinanirreversiblecoma?DoyouwantCPRinitiatedif

yourheartstops,evenifyouareterminallyill?Makesurethedesignatedhealthcareproxyisawareofthesedecisions.

VABenefits/AidandAttendance

TheVeteransBenefitsAdministrationprovidesfinancialassistancetothosewhorequiretheaidandattendanceofanother

person.Ifyouareaveteranorweremarriedtoaveteranwhohaspassedaway,andyouneedhelpwithADLs,youmaybe

eligibleforanadditionalamountinadditiontoyourVApension.

WillsandTrusts

Willsandlivingtrustsarethelegalmethodsusedtodesignatewhathappenstoyourpossessionsandmoneyafteryoudie.

Awillsimplyspecifies,inwriting,whogetswhat,andhowmuch.Alivingtrustisanalternativetoawill.Aseniorwho

prefersatrustputstheirassetsinthetrustandnamesapersontotakechargeincaseofdeathorincapacitation.

SeniorLivingGuide&Planner

?Copyright2015APlaceforMom,Inc.Allrightsreserved.9

ComparingYourSeniorCareOptions

WHOISITFOR?SERVICESMAYINCLUDETYPICALRANGE

SENIOR

APARTMENTS/Active,independentandhealthyseniorswho$400-$2,000per

None

55+areenjoyingtheirretirementyearsmonth

APARTMENTS

INDEPENDENT

Active,independentandhealthyseniorswhoGolfcourse,swimmingpool,socialactivities,

LIVING/$1,250-$4,000per

wishtolivewithotherseniorsinacommunitygourmetdiningservicesandlight

RETIREMENTmonth

settinghousekeeping

COMMUNITIES

Fitnessclasses,socialactivities,healthy

Seniorswhoareindependentandsocial,but$2,500-$6,000per

ASSISTEDLIVINGdining,transportation,assistancewithADLs,

needassistancewithADLshousekeepingmonth

RESIDENTIALSeniorswhoareindependentandsocial,but

CAREneedassistancewithADLsandpreferasmallerSocialactivities,meals,transportation,$1,750-$6,000per

HOME/BOARDhome-likeenvironmentassistancewithADLs,housekeepingmonth

ANDCARE

MEMORYCARE/SeniorswhohaveAlzheimer/sdiseaseorotherSpecialmealpreparation,secured$3,500-$8,000per

ALZHEIMER'Stypesofdementiaenvironment&specializedmemorysupportmonth

CARE

NURSING

HOMES/

Providesthehighestlevelofcaretopatients$180-$300per

SKILLEDSeniorswhorequire24-hourmedicalcare

whoneed24/7medicalattentionday

NURSING

FACILITIES

HOMESeniorswholiveathomeandneedhelpwithMeals,assistancewithADLs,andhousekeeping$15-$30per

CAREmealpreparation,ADLs,transportationhour

ADULTDAYCARE

/ADULTDAYSeniorswhoneedassistance,socializationandMeals,assistancewithADLs,andsocial$40-90per

mealsduringworkhoursactivitiesday

SERVICES

Costsmayvarywidelybasedontheneedsoftheresident,thelocationofthecommunity,thesizeofthecommunityandnumerousotherfactors.

QShouldIChooseAssistedLivingorMemoryCare?

?Place^'Mom

AIfyourlovedonehascomplexcareneedsassociatedwithmemoryimpairmentorhasbeendiagnosedby

aphysicianwithAlzheimer'sdiseaseoranothertypeofdementia,thenmemorycaremaybeyourbest

option.Ifyourlovedoneshowsearlysignsofmemoryloss,butisstillrelativelyindependent,then

assistedlivingmaybeamoreappropriateoption.OurSeniorLivingAdvisorscanhelpyouandyour

familyfigureoutaplantogether.

*7wantedtothankyouforyourhelpwithrespecttotheVeteranAffairs

informationyouprovided.IworkedthroughtheOaklandCountyofficeandmy

mothersAidand

?Copyright2015APlaceforMom,Inc.Allrightsreserved.11

AttendanceapplicationhasalreadybeenapprovedbytheVA.Thatcouldnot

haveoccurredwithoutyourhelpandconcern.Iwilltellallmyfriendsandfamily

whoareinsimilarsituationsaboutAPlaceforMom.”

ColleenK.-FoundAssistedLivinginAnnArbor,MI

?Place^'Mom

Payingforseniorcarecanbeachallengeformanyfamilies.Whilesomefamilieshavethemeanstopayfor

long-termcareforanextendedperiodwiththeirincomeorsavings,otherfamiliesmayneedtoconsider

leveragingassetsorpoolingtheircombinedresources.Manyfamilieswilluseahybridofthesemethods.

ncomeandSavingscovered,dependingonthepolicyprovision,itcangoalong

Usingpersonalincomeorsavingstopayforseniorlivingiswaytosupportcarecosts.

thesimplestroute.Ifaseniorisnotabletofullyeteran'sBenefits

Icoverexpenses,familymembersmaycontributepartofTheDepartmentofVeteransAffairs(VA)has

theirincomeorsavingstohelppayforcare.Vassistanceprograms,suchastheAidandAttendance

benefit,thatcanhelppayforcareforolderveterans

ong-TermCareInsurancewhoservedduringspecificperiodsofwartime.Assistanceis

Ifyourlovedonehaslong-termcareinsurance,itmayalsoavailabletoqualifyingwidowedspousesof

coverassistedliving,dependinguponthespecificsofwartimeveterans.omeEquity

Lthepolicy.Unfortunately,accordingtotheLong-Term

Manyseniorstransitionfromahouseorother

CareAssociation,lessthan3%ofAmericanshavelong-termresidencethattheyown.Thesaleoftheir

careinsurance.Themostcost-effectivetimetosecureHproperty

coverageisduringmiddle-ageoryounger,asitcanbe

holdingscanhelppayfortheircare.Forthosewhoneed

prohibitivelyexpensiveasanolderadult.Ifyourlovedoneis

assistedlivingimmediately,butaren'tabletoselltheirhome

?Place^'Mom

SeniorLivingGuide&Planner

rightaway,somecommunitiesofferdefermentsthatarepaid

backoncethepropertysells.

ellingaLifeInsurancePolicy

Thispractice,knownasa“l(fā)ifesettlement''involves

sellingyourpolicytoanotherpersonoracompanyfor

Sacash

settlement.Theypaythepremiumsfromthenon,butcollect

thebenefitwhenyoupassaway.Thiscanbeacomplicated

processsomakesureyouunderstandtheimpactonyour

family.

oolingFamilySupport

Aseniorwhocannotaffordassistedlivingoftenrelies

onsomefinancialsupportfromgrownchildrenor

Potherfamilymembers.disease,thecouplecoulduseareversemortgagetopayfor

thewife'scareatanassistedlivingcommunitywithmemory

care,whilethehusbandremainsathome.

everseMortgageedicaid

AreversemortgageallowsyoutoborrowmoneyInsomestates,Medicaidcoverscare

basedontheequityinyourhome.Theloanispaidatskillednursingfacilitiesandassistedliving

Rbackwhenyousellthehome.AreversemortgageM

communities.ButMedicaid,whichisnottobe

stipulatesthatyoumustresideinyourhomeforthelengthofconfusedwithMedicare,isonlyavailabletoseniorswhohave

theloan.Areversemortgagecanbeusefulifacoupleneedslittleornoassets,soit'sgenerallyanoptionoflastresort.A

careandhasfullownershipofthehouse.Forexample,ifaPlaceforMomisprohibitedbyfederalstatutefromreferring

husbandishealthy,butthewifehasadvancedAlzheimer's

Momreallylikesitover

there.Sheisgoingtoan

Hexercise