3 Primary Concerns with Long-term Care


Beneficent: LTC Funding Education & Options

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Mar 05, 2023


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Long-term care is an important topic that affects about 70% of all of us who reach age 65 and our loved ones. That 70% represents those of us who will need some level of Long-term Care.   

What is long-term care exactly? Care that is available for individuals who need help with the basic activities of daily living. Long-term care services include assisted living, adult day care, home care, or a skilled nursing facility.

It’s important to understand the fundamentals of long-term care, so we can make informed decisions for our future and those of our loved ones. Let’s explore the 3 primary concerns with long-term care and where to start when it comes time to make decisions. 

Availability of Services 

Long-term care services are in high demand today due to an aging population. This means that it’s important to research your options as early as possible in order to secure the best services for your needs. Knowing what services are available in your area will help you make the best decision for yourself or your loved one. 


Costs and quality of care are the utmost concern for most family members, seniors, or disabled adults needing long-term care. Here in Colorado, the average cost for Long-term Care is $8,758 per month according to 2020 state information. You may be able to take advantage of Long-term Care Medicaid or VA Aid and Attendance which can help offset the costs of long-term care services. Most are told they do not qualify for these programs, however, it’s best to meet with a Certified Medicaid Planner (CMP) to discuss your options.       

Quality & Safety Considerations 

When selecting a provider for long-term care services, it’s essential to do your research and find out more about their reputation and track record when it comes to quality and safety standards. Look into reviews from past customers and ask questions about any accreditations they have received from third-party organizations such as The Better Business Bureau. These organizations provide independent evaluations that can give you peace of mind when selecting a provider for yourself or someone else. 

Long-term care is an important consideration for many people today, regardless of age or current health status. Although it can seem overwhelming at times, understanding the primary concerns associated with long-term care will help ensure that you are making informed decisions regarding availability, cost, quality, and safety considerations. 

If you want to feel more confident about long-term care plans for yourself or your loved one schedule an appointment with Stacy Osborne, a Certified Medicaid Planner. In just 1 hour, you will walk away with legitimate ways to pay for long-term care and this meeting is completely FREE.

  Stacy Osborne, MBA, CMP 
  Beneficent CEO

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The Importance of Medical Alert Systems for Seniors Who are Aging in Place

Weve all seen the commercial with the infamous line: Help, Ive fallen and I cant get up! The advertisement itself may have been a bit melodramatic, but it raises an important question: what should seniors do if they actually fall and cannot get up?This is where a medical alert system can be critical.What are Medical Alert Systems?Medical alert systems, sometimes referred to as life alert devices, are emergency monitors for seniors to use as they go about their everyday lives. Many medical alert systems are used in the seniors home. These usually consist of a base unit and sensors that are mounted on the wall of the home. These types of systems can detect a fall in the home and trigger an automatic call to emergency services.Some systems also come with a portable option for the senior to wear wherever they go. The main feature of mobile options is the help button. When an emergency such as an injury or fall occurs, seniors can press this button to send out an alert and get the help they need.Oftentimes seniors wear these portable monitors around their neck like a long necklace, on their wrist like a bracelet, on their belt loop, or in their pocket. These monitors should be small and portable so the senior can wear them at all times, and waterproof so they can wear them in the bath or shower a common location for falls.How Do Medical Alert Systems Work?Most medical alert systems allow for real-time tracking through the use of voice, data, and GPS technology. This is important because it gives emergency services the seniors exact location in case of an emergency.With a mobile device, seniors can press the help button after a fall to alert emergency personnel. An in-home system will automatically alert emergency services when it detects a fall. Many basic systems simply alert emergency services once the help button is pressed. More elaborate systems are connected to a 24-hour call center that fields the emergencies and determines the next move. They are able to either alert the seniors emergency contacts (set up ahead of time) or send for emergency services if needed.Who Should Use Medical Alert Systems?All seniors could benefit from having a medical alert system, since you never know when an incident may occur. But, these emergency alert buttons are especially important for seniors who live alone or are aging in place. If a senior who lives alone has a fall and no one is there to help, a medical alert system is not just beneficial; it can actually be lifesaving.Additionally, wearing a medical alert system is one way for seniors to maintain their independence at home while still being prepared for an emergency. And it also provides peace of mind for family members and caregivers that their loved ones can access help in case of an emergency.Why Should Seniors Use a Medical Alert System?The main reason for seniors to use a medical alert system is to allow for fast action in case of a fall or other emergency. According to the CDC, around 36 million falls are reported among seniors every year. Falls can be caused by a number of reasons, such as certain health and cognitive conditions, loss of muscle mass, and weakened eyesight, reflexes, and balance. They can also be caused by unsafe footwear or safety hazards inside and outside the home, like steps, rugs, spills, and clutter.Falls should be taken seriously when they occur. Falls are the leading cause of accidents, serious injuries, and accidental deaths in seniors. To that end, emergency departments treat 3 million seniors for injuries from falls every year. That is more than 8,000 falls every day.The risk of falling can also be a major source of anxiety for seniors, as falls can threaten their independence, mobility, and physical health.Oftentimes when a senior falls, they need help from someone else to regain their balance and get back up. But, if they live alone or no one is around, they may not be able to get themselves up at all. Being stuck on the ground for a long period of time is extremely dangerous for seniors and prolongs their risk of serious injury. Therefore, getting help quickly after a fall is key. With a medical alert system, even a senior who lives alone can have peace of mind that help is available when they need it all at the push of a button. How Much Do Medical Alert Systems Cost?As with all technology, the price of medical alert systems can vary based on equipment, activation, monitoring type, extra devices, and additional features.Some companies allow you to rent their medical alert system equipment, and some require you to buy it. Buying the items may cost anywhere from $50-$350 depending on the type of equipment.In addition, many medical alert systems charge a monthly fee to use their service. This fee pays for access to the 24-hour emergency call center.Generally, the service cost for at-home medical alert systems is around $25 per month or $239 per year. The service cost for on-the-go-devices is slightly more expensive at around $30-$45 a month. Sometimes there is an additional one-time installation or activation fee that can range from $25-$100. However, this fee is often included in the package when you purchase and initiate a medical alert system.Are Medical Alert Systems Covered by Insurance?Usually medical alert systems are not covered by insurance. But, some options might be available to help you cover the cost.For example, your HSA or FSA may offer a deduction for medical alert systems. Medicare Advantage may also cover some of the cost of medical alert systems. You may be able to get coverage through Veterans benefits as well. However, make sure you check with your insurance provider or your states Medicare/Medicaid program, as benefits can vary by policy or state.If you need assistance funding a medical alert system, be sure to contact your local sheriffs office or Area Agency on Aging, which sometimes have grants or resources available. Best Affordable Medical Alert Systems for SeniorsThere are hundreds of companies that sell medical alert systems. Some of the top-rated, affordable options are as follows:MobileHelp - The National Council on Aging (NCOA) voted this company as Best All-Around System. Their monthly fees start at $19.95 and fall buttons are available for an additional $10 per month. They also offer a free trial period.Bay Alarm Medical - The NCOA voted this company as Best for the Price. Their fees start at $25 per month and fall buttons are available for an additional $10 per month. They also offer a free trial period.Lively - Voted Best Health Services by the NCOA, this companys fees start at $25 per month, with fall detection buttons for an additional $25 per month.Other options include Get Safe as a basic option, Medical Guardian MGMove as a wearable option, and Fast Help as an easy, quick option available on Amazon. Some other notable providers of medical alert systems are ADT Medical Alert and Life Alert.How to Help Your Senior Loved OnesMedical alert systems are one impactful way to gain confidence about your senior loved ones safety as they age. For some seniors, this is all the reassurance they need about their safety and independence. But, other seniors may need a little more support.Having a fall can reveal or trigger the need for additional support. Whether you are looking for support in a senior living community or are seeking home health care services, Florida Senior Consulting can help. Our expert senior advisors will find your loved one the care they need to lead a healthy lifestyle, stay safe and lower their risk of falls and injuries. With this peace of mind ultimately comes a better quality of life for seniors and their families.When the decisions become too overwhelming, our experts are here for you. And, we offer these services at no cost to seniors or their families.Senior living on your terms. The choice should be yours.For peace of mind, call us at (800) 969-7176 or visit us at FloridaSeniorConsulting.com.

Thank Goodness for Beneficent - Long-term Care Planners!

THANK GOODNESS FOR BENEFICENT!!!Client Testimonial by Cindy Powell5 Minute ReadI am the court-appointed legal guardian and conservator for my mother, who has dementia. What an extreme blessing it was, to meet a (expert Certified Medicaid Planning Agency) Beneficent representative at a Halloween event at Fountain Valley Senior Center in October 2021. I worked in Adult Assistance Payments at El Paso County DHS in the past, and I only knew about spend down. When I mentioned that I was working toward spending down Moms resources to $2000. (Which included cashing in on Moms life insurance policies, spending the cash surrender values toward Moms memory care), The Beneficent representative stated absolutely not, Mom could qualify for Long-term Care Medicaid without spending down, and Beneficent could instruct and assist me in applying for Long-term Care Medicaid on Moms behalf. At the Halloween event, I took Beneficents business card, made an appointment, and it was the very best thing I ever could have done for Mom, as her conservator. The resources that were preserved will definitely be helpful to pay legal fees to file Moms annual guardian and conservator reports, and an accountant to prepare and file her annual income tax returns. Long-term Care Medicaid recipients receive under $200/mo. personal care allowance. Being retired on a limited Social Security income, I certainly couldnt afford those legal and accountant expenditures.Another significant thing to mention is Moms combined incomes exceed income limits for Long-term Care Medicaid, yet, is insufficient to pay Moms memory care room and board. Without Beneficents expert guidance, I would have known nothing about Medicaid income trust accounts and might have been forced to bring Mom home after spending down all of her resources. I certainly couldnt have safely provided care for Mom and could have prematurely died from the stress. Beneficents fee is a flat fee, there isnt nickel and diming all along the way. The fee we paid was worth every penny, as the fee was a small percentage in comparison to the resources preserved. Had I not enlisted Beneficent to apply for Long-term Care Medicaid on my mothers behalf, Mom would have been destitute, with only $2000 maximum in remaining resources. I am extremely grateful to my Beneficent Case Manager for keeping me informed every step of the way throughout the application process. Even after my mother was approved for Long-term Care Medicaid, my Beneficent Case Manager welcomed my calls and emails, continuing to provide her expertise. I will forever be grateful to Beneficent for enhancing the quality of the remainder of Moms (and my) life. If you want to feel more confident about Long-term Care plans for yourself or your loved one schedule an appointment with Stacy Osborne, a Certified Medicaid Planner. In just 1 hour, you will walk away with legitimate ways to pay for Long-term care and this meeting is completely FREE.  Stacy Osborne, MBA, CMP   Beneficent CEO  719.645.8350

Socialization is the Best Medicine

There is just something about being around people you really like and love. Having good friends around who listen and lift you up on a daily basis. And modern science concurs that good company is good for your mental, emotional, and physical health. Its one big reason why socialization for seniors is so important and why senior living communities thrive on it.Socialization for Seniors - Together is better!The pandemic has reminded us all that isolation is the bad guy, especially when it comes to seniors. In a study by the National Academy of Sciences, lonely and isolated seniors showed higher rates of poor physical and mental health. They were more likely to suffer from hypertension, coronary heart disease, cardiac failure, depression, anxiety, and dementia.    There are so many benefits of socialization for seniors:Plenty of activities and socialization reduces cognitive decline. The Alzheimers Association reports that remaining socially active may support brain health and possibly delay the onset of dementia. One study found that cognitive abilities in seniors declined about 70 percent slower in individuals who had frequent social connections and socialization   compared to those who had little social contact with others. A quality senior living community offers the perfect environment for making connections, sharing ideas, and creating a purposeful, interactive experience that helps keep you engaged and living your best life. The right recipe for creating socialization for seniors.Lowers stress. Ongoing stress can lead to heart disease, depression, obesity, gastrointestinal problems and other unwanted conditions. Socialization increases a hormone that decreases anxiety levels and makes us feel more confident in our ability to cope with stressors. This same hormone encourages us to seek out others and helps bring us closer together. At New Perspective, someone is always close by for conversation and support. This is especially beneficial when older adults often experience loss and changes in health and mobility.     Keeps you active. Socialization for seniors, especially in a senior living community, can be in the form of opportunities to join others for activities and events. Examples are a walking club. Helping other residents decorate a commons area for the holidays. A Zumba class. Getting together to watch a big game. Learning a new hobby together. Being with others stimulates you to move more physically, which is good for your health and helps protect you from a sedentary lifestyle.  Encourages healthy habits. When youre living at home, its a lot easier to have that second piece of pie or skip walking around the block. Thats why socialization for seniors is so good for youliving in a senior living community, youre around a group of like-minded friends and neighbors who can help keep you on the path to wellness. Youre more inclined to join an exercise class, participate in special events, or focus on good nutrition because youre seeing others do just that.Gives you a sense of purpose. Having a reason to get up each morning does wonders for your energy level and your mood. Your feel-good hormones rise and fight off stress when you know youre going to be greeted by friendly faces and spend quality time with friends. Theres even evidence that having this sense of purpose can help you walk faster and have a firmer grip and greater body balance and controlindicators of how fast you are aging. Improves coping skills. Life has its ups and downs. And, as Bette Davis once said, Getting old isnt for sissies. A few more wrinkles and a bit less hair, some new creaks in the knee joints and other challenges are a whole lot easier to deal withand laugh atwhen you can share them over lunch with a friend. Socialization for seniors, particularly in a senior living community gives you ample opportunities to leave worries behind and make the most of what life has to offer.George SmithThe Right Senior Living Solution(941) 705-0293

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