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When asked about their biggest fears, more than half of today’s seniors frequently mention worries about affording senior living options or being a burden on their family near the top of the list.
It makes sense. Coming to terms with the need or desire to transition into a Retirement Community, whether for Independent Living, Assisted Living or Memory Care - no matter how ultimately positive - can feel challenging, emotionally intense and come with the anticipation of great expense. This is especially true if you anticipate the need for assisted living or memory care.
It can be easy for this process to feel so overwhelming that we avoid it until it’s an absolute necessity. However, with seven out of ten Americans over the age of 65 requiring some type of care during their lives, planning ahead can alleviate a tremendous amount of stress.
Although it may seem surprising, the cost of living at a Senior Living community is often comparable (or even lower) even without taking into account the included activities, amenities, and services, with the combined expenses of living in a single-family home.
While the investment may at first seem daunting, it is also important to consider the long term costs of maintaining your own residence throughout your senior years. For example, a proactive decision to choose an Assisted Living community can actually be much less expensive than an extended stay in a nursing care center or receiving care at home.
Todays’ seniors and their families frequently contact us looking for advice on how to afford the cost of senior living without compromising their quality of care.
At Keystone, we aim to support all prospective residents and their families in determining the best path forward to solidifying the financial aspects of securing the perfect location and community. Many of our residents have utilized the following five types of financial alternatives to help cover the costs of our incredible community.
1. Long-Term Care Insurance
Although the pricing of living in a Senior Living Community can be surprisingly comparable to maintaining a separate home, many families still find themselves with a gap. Private insurance, Medicare or Medicaid may help, but typically will not cover everything nor is it accepted at many Senior Living Communities. Long Term Care (LTC) Insurance can help bridge that gap but can vary widely from policy to policy. Premiums are normally based on age at the time of purchase, benefit amount, and deductible.
Wading through insurance coverage can be confusing, but a clear understanding of the benefits of your policy is vital to make sure you are able to maximize the coverage you are paying for. For instance, your LTC insurance company may cover only licensed or approved facilities, or require proof that you or your loved one requires assistance with at least two ADLs (Activities of Daily Living) such as bathing, eating or transferring from bed to chair. Often all that is needed a a quick call to your insurance provider to gain clarity on your benefits.
2. Veterans Benefits
Did you/your loved one or a spouse serve in the armed forces? If so, you may want to explore eligibility for benefits through the Department of Veteran’s Affairs. Less than 10% of qualified individuals apply for Veterans Aid and Attendance, which can be used to cover the monthly costs of your senior housing and care, especially if you experienced service-related injuries or disabilities or can demonstrate medical and financial need.
It’s important to note that VA benefits can take 6-9 months to process, and will require military discharge papers and medical documentation; advance planning is important.
3. Your Own Home
If you or your loved one is a homeowner, the house can be sold to cover the costs of living in a Senior Retirement Community. If the time is not right to sell the home, converting it into a long or short term rental can be a great interim step to cover senior living costs.
You may also consider a reverse mortgage if you wish to keep the home in the family. This allows a borrower to draw cash against the equity built up in your home in either a larger lump sum or over a period of time.
The best place to start with exploring either of these options is by contacting a local Real Estate professional that specializes in your market AND with assisting Seniors.
4. Existing Life Insurance
Do you or your loved one have an existing life insurance policy that is no longer needed or wanted? More than 70% of Life Insurance taken out, never pays a claim because people's needs change and they cancel or change their coverage. There are several ways this insurance may be used to ease the cost of living in a Senior Living Community.
Note: cashing out your life insurance policy and/or participating in a Life Settlement can have income tax implications. Please consult with a tax and financial professional prior to considering these options.
5. Caregiver Tax Credits
If you or your loved one requires assistance with ADLs (Activities of Daily Living) such as eating, dressing or toileting or requires supervision for health and safety due to cognitive impairment (the type of services provided by Assisted Living or Memory Care), you may be eligible to deduct partial or full long term expenses associated with their care as an unreimbursed medical expense. In order to qualify for this deduction, the resident must have been certified as chronically ill by a licensed health care provider. It is also advised you contact your tax profesional to learn more about this Tax Credit.
The five avenues detailed above are just a handful of the options available for helping ease the financial expenses of senior living. Beyond private payments and personal loans, these five options represent a solid starting point for your research - but in no way represent a comprehensive list. Be creative and think outside of the box.
In most cases, the funding for Retirement, including Independent Living, Assisted Living & Memory Care comes from more than one source. However, no matter the source, it is vitally important to use that funding wisely by choosing the correct level of care.
Choosing the right type of care is an important step in minimizing the costs associated with senior living. For instance, someone needing minimal assistance may still be suited for Independent Living with family or outside providers taking on any additional duties, an option far less expensive than Assisted Living.
Check out our FAQ to compare each type of care and to learn the right level for you or your loved one.
One of the most important ways to navigate the many transitions of senior living is to prepare ahead of time before the need or desire arises. You or your loved one may not be quite ready for the move right now, which makes this the perfect time to begin doing your research and learn about options and how to get the financial end in line, long before it is needed. Waiting till the last minute can intensify the stress of the transition, financially and otherwise, and could mean you end up in a location that isn’t a good fit, increasing the chances of needing to move again - with all of the financial implications.
Even with options, the logistics can be overwhelming. Scheduling a tour and consultation at each senior living community you are considering to fully explore the financial options and assistance available at each community. At Keystone, our Senior Living Counselors are expertly trained in helping you navigate all aspects of Senior Living, including financial.
By Phara Lafortune-Morame, LCSW, MCAP, EMDR cert., QS.There are many reasons that significant moments are often celebrated with a drink. But during the holidays, otherwise-celebratory toasts can be triggers for people who struggle with substance use disorder, including seniors.Some families and cultures have holiday traditions that lean heavily on alcohol consumption. Family recipes for festive cocktails and toasts before dinners reinforce the idea that consumption is part of connecting with loved ones and embracing the holiday spirit.The Distilled Spirits Council of the United States notes that a quarter of the $49-billion-a-year distilled spirits industrys profits come from the month between Thanksgiving and the New Year. Another study notes that the average American drinks 27% more during the holiday season compared to the rest of the year.As a result, the stress and anxiety associated with the holiday season can result in increased consumption or return to drug and alcohol use for those currently in recovery, particularly for older residents, who tend to suffer from depression more during the holidays. Many studies note that nearly half of individuals recovering will return to use during the holiday season.The prevalence of substances in celebrations often mixes badly with the elevated depression and stress the holidays can bring. Expectations for creating and experiencing holiday joy are at the center of potential substance use triggers. When mixed with emotional turmoil, financial stress, loneliness, grief, nostalgia, and dysfunctional and complex family relationships, this can create a desire to seek temporary escape from overwhelming feelings through substances. For those aged 65 and older, alcohol misuse is the most frequently reported substance of use.The use of alcohol in older adults negatively impacts brain structure and function and can lead to declines in cognitive function and memory, particularly for adults over the age of 65. In addition, the bodys ability to break down alcohol decreases with age, resulting in increased risk for accidents and falls, fractures and car accidents. For anyone in recovery from substance use disorder, or concerned about increased consumption through the holidays, it is important to plan.Here are strategies for staying sober: Be aware of people, places or situations that can trigger consumption, and do what you can to minimize these exposures. Keep (and bring, if necessary) a nonalcoholic drink in your hand to resist temptation and discourage others from offering an alcoholic drink. Set realistic expectations. Stress is common for nearly everyone during the holidays, and spontaneous, imperfect moments are often the most memorable and special moments. Take care of yourself. Proper nutrition, exercise and meditation do wonders for your well-being. If you feel well physically, you will be stronger emotionally. Set boundaries, and let people know where you need support in resisting temptations. Have a plan on how to navigate, and more importantly exit social gatherings (For example, do not be dependent on someone else for transportation, so you can leave if needed). Be aware that returning to use a substance after a period of abstinence can happen AFTER the holidays, where we can justify returning to use by feeling entitled to drink or use drugs for having made it through the holidays. Sometimes, we manage better during a crisis than afterward.. Seek professional help and support.Sometimes, substance misuse is difficult to recognize in older adults, and few treatment programs are designed to meet their needs. However, the Primary Care Addiction Treatment (PCAT) program for adults at Healthcare Network follows a supportive, compassionate and nonjudgmental approach to encourage healing and lessen negative effects. The program treats every patient with respect and dignity, using empathetic language to reduce stigma and foster a supportive environment.Healthcare Network also offers medication for addiction treatment (MAT) for opioid use disorder, alcohol use disorder, and other substances within a primary care setting. Comprehensive care includes medication treatment along with behavioral therapy and counseling services to provide a whole-care approach to treating substance use disorders and support recovery.In addition, our primary care programs for the whole family include integrated mental and behavioral health care to address some of the mental health challenges that are sometimes at the root of substance use disorders.Help is available through the holidays and beyond. Supportive treatment can be the gift of a lifetime for you and your loved ones. About the Author By Phara Lafortune-Morame is associate clinical director of behavioral health at Healthcare Network. To learn more about substance use and behavioral and mental health support available Healthcare Network, visit healthcareswfl.org or call 239.658.3000.
Downsizing can be an emotional and overwhelming process, especially when it involves parting with a lifetime of memories and cherished belongings. At Bluestar Move Management, we specialize in making this transition as smooth and positive as possible. Whether youre moving to a smaller home, a senior living community, or simply looking to declutter, our comprehensive downsizing services are designed to support you every step of the way.Why Choose Bluestar for Downsizing?We understand that each move is deeply personal. Our approach combines professionalism, compassion, and respect to ensure your downsizing experience is stress-free. Our team handles every detail, from sorting and organizing to packing and setting up your new home, so you can focus on embracing the next chapter of your life.Our Downsizing Process1. Free ConsultationWe begin with a complimentary one-hour onsite consultation to understand your goals, timeline, and specific needs. This helps us create a tailored plan for your transition.2. Sorting & OrganizingOur team works closely with you to sort through your belongings, helping you decide what to keep, donate, sell, or discard. We treat every item with care, respecting the memories and meaning attached to your possessions.3. Packing with CareWe handle the packing process with precision, ensuring that your items are safely and securely prepared for the move. From fragile keepsakes to everyday essentials, everything is packed with the utmost attention to detail.4. Estate LiquidationIf you have items you no longer need, we can assist with estate sales or donation coordination, helping you simplify your move while maximizing the value of your belongings.5. Moving Day ManagementOn moving day, we oversee all aspects of the process, coordinating with movers and ensuring everything goes according to plan.6. Unpacking & Home SetupOnce you arrive at your new home, we take care of unpacking and arranging your space to make it feel like home. From furniture placement to hanging artwork, we ensure your new environment is comfortable, functional, and welcoming.The Benefits of Downsizing with BluestarReduced Stress: We handle the logistics so you can focus on the emotional and practical aspects of your move.Customized Support: Every downsizing journey is unique, and we adapt our services to meet your specific needs.Professional Expertise: With years of experience, our team knows how to manage every detail of the process efficiently.Emotional Understanding: We recognize the emotional challenges of downsizing and provide compassionate support throughout the process.Additional ServicesDecluttering & Organizing: Create a streamlined, clutter-free living space with our expert organizing services.Donation & Disposal Coordination: We ensure that unwanted items are donated or disposed of responsibly.Home Sale Preparation: Enhance the appeal of your current home with our preparation services, including staging and organizing.Start Your Downsizing Journey TodayDownsizing is more than just a moveits a transition to a new chapter of life. With Bluestar Move Management by your side, you can trust that every step will be handled with care, respect, and professionalism.Contact us today to schedule your free consultation and discover how we can make your downsizing experience as smooth and stress-free as possible.
At Bluestar, we understand that moving is more than just transporting belongingsits about starting fresh in a new space. With our comprehensive moving help services, we aim to make your transition seamless and stress-free. Whether youre relocating to a smaller home, a senior living community, or simply need assistance with the complexities of moving, our expert team is here to guide you every step of the way.Our Moving Help Process1. Free ConsultationYour journey begins with a complimentary one-hour onsite consultation. Well discuss your goals, items for sale, and the timeline for your move, ensuring we understand your unique needs.2. Customized PlanningBased on your consultation, we create a tailored action plan to address every detail of your move. From packing and organizing to setting up your new home, our plan ensures a smooth and efficient process.3. Sorting & Floor PlanningOur team works with you to sort through your belongings, deciding what to keep, donate, sell, or discard. We also create a detailed floor plan for your new space, ensuring everything fits perfectly and is arranged for optimal comfort and functionality.4. Packing & UnpackingWe take care of the packing process with precision, ensuring your items are safely prepared for transport. Upon arrival at your new home, we oversee the unpacking and setup, arranging your furniture, artwork, and personal belongings to make your space feel like home.5. Home Sale PreparationIf youre selling your current home, we help enhance its appeal by organizing belongings, staging key areas, and coordinating with contractors to make necessary improvements. Our goal is to help you achieve the best possible sale.6. Making Your New Space Feel Like HomeOnce youre in your new space, we handle all the final touchesfrom arranging furniture to hanging art and setting up electronics. We also remove all packing materials, leaving your new home clean, organized, and ready to enjoy.Why Choose Bluestar?Expertise You Can Trust: With years of experience, we know how to handle every aspect of your move efficiently and with care.Tailored to You: We understand that no two moves are the same, so we adapt our services to fit your specific needs.Stress-Free Moving: Let us handle the details while you focus on settling into your new space.Comprehensive Services: From sorting and packing to estate sales and home setup, were your one-stop solution for all things moving-related.Additional ServicesEstate Liquidation: Need to downsize or sell items? We manage estate sales to help you simplify your move.Donation Coordination: Let us handle donating items you no longer need, giving back to the community on your behalf.Decluttering & Organizing: We create order out of chaos, ensuring your new home is functional and inviting.Ready to Make Your Move?Bluestars moving help services are designed to take the stress out of your relocation process. From the first consultation to the final unpacking, were here to support you every step of the way.Contact Us TodayTake the first step toward a smooth and stress-free move. Schedule your free consultation with Bluestar, and let us handle the details so you can enjoy the next chapter in your life.
Live With ConfidenceIf the only thing standing between your loved one and the independent life they love is some difficulty with the tasks of daily living, Keystone Place at Bonita Springs will be the right place for them. We thrive on lending a helping hand! At Keystone Place at Bonita Springs, we will tailor a care plan to specifically address areas of stress in each residents life, providing the support needed to do the things they really love to do.Each of our private and stylish apartment homes will offer easy navigation and comfortable living, with carefully chosen elements including a bright sunroom, kitchenette, and private balcony or patio.A caring team of associates will be available around the clock, ready to offer a helping hand anytime you should need it. Maintenance-free living at Keystone Place at Bonita Springs will include three fabulous chef-prepared meals each day, household upkeep, weekly housekeeping and laundry services, and all utilities except phone.No need to worry weve got you covered. Your Best Day, Every DayWith renewed energy, our Assisted Living residents will be able to take advantage of everything we have to offer at Keystone Place at Bonita Springs.This will include full access to our uniquely engaging enrichment and entertainment programming, featuring a sparkling menu of opportunities to stretch, strengthen, be curious, and have fun. Residents can join friends for a lunch outing or a shopping trip. They can visit the fitness center for an exercise class, and then catch a matinee in the theater.Theres nothing that cant be done with a bit of assistance and the support of a wonderful community.Help your loved one get to know their own strength again.Embrace the possibilities of Assisted Living at Keystone Place at Bonita Springs in Bonita Springs, Florida. Assisted Living Services & Amenities Spacious Apartment Homes with Kitchenette Sunrooms & Private Patio or Balcony Restaurant-Style Dining Serving 3 Meals Daily Elegant Theater & Activity Center Fitness Center High Staff-to-Resident Ratio Full Calendar of Enriching Activities & Fun Events Complimentary Resident Laundry Center On-Site Wellness Services & Therapies Care Associates On-Site 24/7
Enjoy Your FreedomAfter residents make the leap to maintenance-free Independent Living at a Keystone community, its never long before we overhear them wondering aloud what they ever did without our astonishing list of amenities and services.Your journey to a truly fulfilling lifestyle begins with a spacious and private one or two bedroom apartment home, gracefully appointed with hardwood-style floors and a full modern kitchen.One all-inclusive payment will cover extended basic cable, all utilities except personal phone service, and all household maintenance from the plumbing to pulling that last garden weed.Residents will have the option to choose from a myriad of dining options and watch the sunset over a glass of wine, a pint in the pub, or from their table in the elegant and exclusive Independent Living dining room. At Home in Our CommunityLiberated from chores, you will experience a host of opportunities for fitness, fun, and enrichment. Pop into a painting class or card game in the activity room. Get a new do at the salon or barbershop. Stop at the pub to chat with friends, and play some cards. Watch a movie in the theater.Pursuing your interests at Keystone will be easy!Our community will also offer onsite wellness programming and resources and be located near quality local health care options.Good times, good health, and good friends at Keystone Place at Bonita Springs, they will all be waiting for you. Pet Friendly ApartmentsAt Keystone Place at Bonita Springs, we understand that your four-legged friend is an important part of your life. Thats why we're happy to extend a warm welcome to your little friend, on a case-by-case basis.If you are interested, be sure to mention it when you contact us with your questions.Begin planning your move to an independent lifestyle that supports your freedom and your goals at Keystone Place at Bonita Springs. A Glimpse at Just Some of Our Plethora of Services & Amenities Independent Living Advantages Large 1 & 2 Bedroom Floor Plans Full-Size Modern Kitchens with Stainless-Steel Appliances Chef-Prepared Cuisine Beautifully Appointed Walk-in Showers Inviting Common Spaces & Fitness Center Enriching Events & Entertainment Gorgeous Maintained Landscape Private Dining Room & Pub Utilities Included (Excluding Personal Phone) In-Home Washer & Dryer
Memory Careat Keystone Place at Bonita SpringsWe are always evaluating ways in which we can best care for and support our residents living with Alzheimers and other dementia. For more than 30 years Keystone Senior has provided holistic and innovative support for residents and their families through a commitment to individualized care plans that honor each residents personal history, skills, values, passions, and family connections.Our state-of-the-art memory preservation program Holistic Harbors is a deeply inclusive and holistic approach to Memory Care that prioritizes a focus on connection rather than loss. Our programming encourages and utilizes lifestyle choices that have been shown to not only maintain but improve brain fitness, as well as general wellbeing as we age. Enrichment activities are carefully chosen and customized to connect with each residents interests and preserve skills that are still there. At Keystone Place at Bonita Springs, we provide all our Memory Care residents with physical exercise, stress management and reduction, cognitive exercises, sensory activities, and meaningful social and individual engagement.Compassion. Connection. Community.For a person living with memory loss, a welcoming environment thats easy to navigate is essential. This is why Keystone Place at Bonita Springs will offer spacious, easy to navigate studios designed with comfort in mind.Residents will enjoy an in-room refrigerator and private bathroom, with secured access to community spaces and beautifully landscaped walking paths. In our bright and elegant dining room, they will enjoy nutritious meals that not only awaken the palate, but more importantly support brain health by slowing the loss of brain function. Our executive chef will prepare delicious food daily that follows the MIND diet guidelines, and our residents will have the option to choose from these offerings with every meal.Keystone Senior cherishes every Memory Care resident for the individuals they are, with the knowledge that every moment and interaction is precious.At Keystone Place at Bonita Springs, residents will find that a fulfilling lifestyle is front and center. Get in touch to learn more about our innovative and holistic approach to Memory Care coming to Bonita Springs, Florida. Holistic Memory Care Studio Suites with Mini Fridge and Private Bathroom Warm Community Designed for Easy Navigation 3 Nutritious, Inviting Meals Daily Specially Trained Associates Available 24/7 Meaningful & Engaging Activities Calendar Secure Access to Private Outdoor Courtyard Linen & Personal Laundry Service Thoughtful Wellness & Exercise Programs Health Status Monitoring by Licensed Nurse Holistic Harbors Cutting Edge Memory Preserving Enrichment Programming for Memory Health & Lifestyle Enrichment