Frequently Asked Questions
What is Adult Day Care?
Adult day care offers a safe and nurturing environment for adults during daytime hours to participate in a variety of planned programs including social activities, nutritional, nursing and rehabilitation services. It is a wonderful resource for working children who need a place for mom or dad to enjoy during the day.
What is Independent Living?
This is a perfect setting for individuals who do not require personal or medical care, but choose not to live alone or at home. Most facilities are equipped with standard safety features to make it easier for residents to get around. It is a wonderful place for seniors to be with others that share similar interests. Many recreational activities are planned by the community, including day field trips, shopping excursions and on-premise projects. Most facilities offer optional meal plans for residents and the majority of apartments are equipped with a kitchen so the resident can prepare their own meals. Usually there is wellness programs integrated into these communities, and with care options being provided by contracted Home Health Care agencies.
What is Assisted Living?
This is a residential care option for individuals who typically can no longer live independently and may need varying degrees of assistance. Service is provided and coordinated to meet resident’s individualized needs in ways that promote their independence and reflect their personal choices. Assisted Living Facilities are regulated by the State in which they are located, so terminology, regulations, and expectations may differ.
What is Alzheimer’s Care?
Skilled Nursing Facilities and Assisted Living Facilities may offer specialized care to residents who suffer from memory impairing diseases such as Alzheimer’s and Dementia. This care could range from specially trained staff and a memory care program to fully secured and dedicated Alzheimer’s Care Unit. What a facility is qualified to offer and provide is also regulated by the State the facility is located in.
How is Assisted Living paid for?
Predominately, private pay is how most Assisted Living fees are paid. The VA or the Veterans Administration offers some help for eligible veterans thru their Aid & Attendance and Housebound benefits program. You can visit the VA website for more information on these benefits and who can qualify. Another payment option is long term care insurance policies. They can reimburse residents and their families for some costs associated with assisted living. There is also Medicaid, but coverage, qualifications and availability will vary from state to state.
Is any of the money I pay for care tax deductable?
If you pay for assisted living care out of your pocket, you should consult with your local IRS office or accountant. You may qualify for a tax deduction.
Is a Reverse Mortgage a viable option to help pay for my care?
Yes, it allows a homeowner to convert some of the equity in his or her home to cash. This money may be used to pay for Assisted Living services. Generally, to qualify for a reverse mortgage, one of the borrowers must be living in the home. Therefore, this may be an option for couples, if one spouse remains at home. Consult an attorney before pursuing this option. You can also visit the National Center for Home Equity Conversions website for more information.