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With so many senior living options at so many different price points, it can be hard to know which option is best for you and your loved one. Before making a decision, it’s important to understand the different types of residences available to you—and their associated costs.
Evaluating Your Housing Needs
When determining senior housing costs,
your first step is to decide which type of housing your loved one needs. There
are a wide range of options and care services available for senior living,
including:
Assisted living is often less
expensive than in-home care. Costs will also vary depending on unit size—for
example, a studio, versus a one or two-bedroom apartment. The average
nationwide cost for a private, one-bedroom apartment in an assisted living residence
is about $3,000 per month. And just like general housing, there is a wide
difference in senior housing and care costs depending on which part of the
country in which you live. Your local Assisted Living Locators Care Advisor can
tell you about the costs in your area.
Additional Senior Housing Costs
When evaluating senior housing
options, be sure to ask about:
Determining Your Budget
Many senior living residents and their
families pay for senior housing costs through private financial resources. Long
Term Care Insurance (LTCI) is also a way families defray costs. Many
communities also operate on a “spend down” model, where the senior pays
privately for their housing and care for an agreed upon period of time, and
once their financial resources are depleted, they are transitioned into state
provided Medicaid assistance. These policies and procedures can vary by state;
contact your local Assisted Living Locators Care Advisor in your area for the
rules in your community.
How Much Can You Afford?
When trying to calculate what you can
afford for independent retirement, assisted living or dementia/Alzheimer’s
care, the place to start is figuring out your current expenses. When a person
moves into one of these communities, almost all day to day expenses are
covered. Usually, the only additional out-of-pocket costs are a phone, cable,
out of pocket medical, and petty cash for entertainment, clothes or sundries.
Monthly Cost |
|
Rent or Mortgage |
$ |
Utilities |
$ |
Repairs/Maintenance |
$ |
House Cleaning |
$ |
Property Taxes |
$ |
Enhanced Cable Service/Internet |
$ |
Home Insurance |
$ |
Security |
$ |
Food |
$ |
Local Transportation |
$ |
Leisure Activities |
$ |
Personal Assistance |
$ |
Other |
$ |
Total Expenses |
Financial Assistance Options
We know you want the very best for
your loved one. If your budget is limited, that doesn’t mean that you can’t
afford suitable care. There are several government programs to help subsidize
senior housing costs.
For more information and advice on financing senior living
or memory care services, you can visit the Center for Long-Term Care Financing,
AARP, the National Association of Insurance Commissioners, and America’s Health
Insurance Plans.
Gifts for Grandma, Grandpa, or Aging ParentsIts no secret that shopping for gifts for grandma, grandpa, or an older parent, can be difficult. A life well lived also means theyve probably acquired everything they need for their day-to-day tasks. Do they really need another stock pot, blanket, or screwdriver? Probably not. And those kinds of gifts are BORING with a capital B. Why not find something thats new AND solves a problem?How do you buy a gift for a senior who already has everything?The trick is to find a present that adds value and independence to their life. As we age, things that we took for granted in our youth become much harder as the years pass on.One such example that many seniors struggle with is the simple task of clipping fingernails. The standard fingernail clipper hasnt changed for over 70 years. Its small and requires a surprising amount of vision and dexterity.Now imagine youre a senior with advancing arthritis or decreasing vision and what used to be a simple task is now a lot more difficult. Maybe you have MS or Parkinsons and fine motor dexterity is an everyday challenge. Or perhaps youre fully capable of clipping your own nails, but want additional convenience. Or maybe youre a caregiver and clipping fingernails is low on your priority list. Any way you look at it, theres no right or wrong reason to want a bit of independence.In fact, there are over 50 million people in the US alone who have limited dexterity, strength, or vision. And tens of millions more who dislike the messy and annoying process of clipping fingernails. If your parent or grandparent needs help, theyre certainly not alone.Get them something that makes their life easier.Introducing the ClipDifferent Pro: the easiest-to-use nail clipper on the planet. Its easily one of the best gifts for grandma, grandpa, or an aging parent.The ClipDifferent Pro is a revolutionary, first-of-its-kind, automatic fingernail clipper that safely trims fingernails with the simple touch of a button. Its effortless, safe, leaves no mess, and is built to last.It includes FREE SHIPPING and a FULL GUARANTEE!It uses a bit of science, a bit of magic, and a few top-secret components that elevate the act of fingernail clipping from boring to holy cow!.Put simply, the ClipDifferent Pro utilizes a high-capacity, rechargeable NiMH battery to power a finely-tuned, patent-pending trimming mechanism manufactured with surgical grade stainless steel, to create the most seamless, clean, and nearly effortless fingernail clipping experience youve ever had. Dont Just Take Our Word For It Heres What Others Are Saying The ClipDifferent Pro is so simple and easy to use! Rollie Rodgers (Korean War Veteran and Living with Parkinsons) It gives me one more way to be independent. Rick Zeidler (Vision Loss) Ive won the war but its these day-to-day battles that we have to deal with. Rick Ebner (Living with MS) I think anyone will find the Pro fabulousespecially those who have challenges with fine motor skills. Geno Mucciacciaro (Disabled Veteran with Neurological and Central Nervous System Issues) Once you see the Pro work, its hard to go back to the old way of clipping your nails. Butch Donohue (Amputee/Limb Loss) Every home needs to have one of these! Tamara S. (Home Health Care Advisor) I need to buy one of these for my husband! Velma Hagar Ristaino (Author, Inspirational Speaker)
Elevating Compassion CareAging with grace and vigor is challenging. Being a caregiver for an aging loved one maybe even more challenging. Here are some innovations to help those you love are able to care for themselves and lengthen their independence.The Cassia Learning Lab director, Kate Ingalls-Maloney, suggests listing your concerns and then deciding, with some help, which technologies fit those situations. For example, is there a concern about leaving the oven or a burner on? Perhaps theres a worry about falling in the shower. On occasion, are daily medications forgotten? Be very honest with yourself and your family about what causes hesitation or concern. Then make your list.The top two reasons people move from their homes are medication errors and falls. Insurance companies may be more likely to cover home modifications and medication management devices that are designed to prevent these two situations. Waivers and private pay are other ways to obtain home adaptations or devices, and some vendors offer a try before you buy policy.Innovations to support seniors independence and peace of mind for their caregivers.Medication management systems There are many different kinds of medication reminders and dispensing systems: From a simple flip-top dispenser to a lockable electronic dispenser that can give alerts to both the person taking the meds and to his/her remote caregiver.Fall prevention innovations Easy to install lighting, with or without motion detection, can be affordable and also very effective. The adhesive-backed LED motion lights can easily mark a trail to the bathroom at night and provide a safe path. Other strategically placed night lights or touch lamps can also help to avoid falls.Grab bars systems In the bathroom, grab bars can be installed according to the users mobility needs. Newer models incorporate towel bars and toilet paper dispensers. Note: Its important to consult your physical therapist when installing grab bars. Non-skid flooring is another great way to help prevent bathroom falls.Wearable pendants or watches There is a variety of these on the market. They can detect falls automatically or be triggered to summon help if a fall occurs. In addition, there is now a wearable (but not noticeable) tracking device that inserts into a shoe or boot so that someone who tends to wander can be located using GPS technology.Safety in the kitchen There is no need to fear to leave the oven on if you have an automatic appliance shut-off sensor system. They can be installed in both electric and gas ranges.My mother is 93 and has very arthritic hands. Ive been clipping her nails for her. (I bought her a ClipDifferent Pro) and it will allow her to be independent when it comes to doing her nails. NancyFingernail care For self-care, the ClipDifferent Pro automatic fingernail clipper and Lil Nipper automatic fingernail clipper provides a way to safely and independently clip fingernails with no risk of harm or mess. Shop for Lil Nipper or ClipDifferent Pro here.Home voice activation systems Whole-home voice activation systems like Amazons Alexa or Google home, when installed correctly, can be very helpful for controlling thermostats, lighting, doorbells, TV, or calls for help.
What does self-care mean to you? Self-care is defined by the National Institute of Mental Health as means taking the time to do things that help you live well and improve both your physical health and mental health. This can help you manage stress, lower your risk of illness, and increase your energy. Even small acts of self-care in your daily life can have a big impact. Self-care can be small acts, such as your nightly skincare routine, or brushing your hair and teeth in the morning. Self-care can also be something like exercise, which takes a little bit more thought and effort, but in the end pays off big time. The list of benefits that exercise has to your mental health is long and truly amazing. Helpguide.org lists some of those benefits as:Depression: Studies show that exercise can treat mild cases of depression just as well as medication, but without all of the side effects that typically turn people away from these types of medication. Physical movement promotes many changes in the brain like reduced inflammation and new activity patterns that promote feelings of calmness.Stress and Anxiety: The way that stress and anxiety can affect the way your body feels, is truly something to think about. Getting up and moving can relieve the tensions of stress that your body may be holding onto.PTSD and Trauma: There is evidence showing that when you really focus on your body and how it feels as you exercise, your nervous system becomes unstuck and can move away from the stress response of immobilization that comes as a PTSD response. Some other benefits that come with exercise are better sleep, more energy, higher self-esteem, and sharper memory. The best part is, that these efforts that we can make to have better self-care do not have to be overthought. Incorporating exercise into your self-care routine can be as simple as starting small. There is no need to have a big goal of being able to lift crazy weights or go for mile-long runs. Begin with fitting in a couple of 15-minute walk breaks into your workday. This is not only a great way to start getting some physical movement in, but it also can increase productivity when you return to your tasks. Finding activities you enjoy and setting realistic goals are key to making exercise a sustainable part of your routine. Remember, self-care is about prioritizing your well-being, and it's important to do what works best for you. A great way to start practicing more self-care habits is to first look at your current habits. Are there some that could be removed? One that could be modified to be either a little harder or easier? Once you do that, you can easily reflect on what self-care needs you personally have, and then can find a way to fit them into your day-to-day life. I like to write these practices down in my planner so that I have reminders to create time for them, as I know its important for me to do. Now, we at ClipDifferent are by no means physical training experts, but we have a couple of things that have worked for us to better create a self-care routine. Here are tips from the ClipDifferent team:I like to have it in my head that I want to work out every day. I often wake up and look at my day and then try to decide when I can fit in an hour to move! But the other part of this is something that I stay true to even more than just planning to exercise. And that is to not beat myself up on the days that I just couldnt find the time. I know that there will always be tomorrow, and I can push myself a little bit harder for the lost time.Modify! If I had planned that I was going to get to the gym after a long day of work, and I come home just far too tired to get there I often opt for a walk outside instead of an intense gym session, just so that I am at least moving my body. Half the time, once I do this I come back in the mood to pump out some extra movements like squats or lifting dumbbells.I love to reward myself. Getting into the habit of exercise is hard, but so worth it. I often like to reward myself on those days that I really was not in the mood, but did it anyway. One thing to note, is that I try not to make a habit of this. It can be expensive and not always the healthiest. (Grabbing a latte every day after the gym will add up!) As you reflect on your own self-care journey, consider the power of starting small and being flexible in your approach. By examining your current habits and making intentional adjustments, you can tailor your self-care routine to suit your individual needs and preferences. Whether it's modifying your workout plans, setting realistic goals, or incorporating innovative solutions like ClipDifferent for nail care, the key is to find what works best for you and stick with it.Above all, be kind to yourself throughout the process. Self-care isn't about perfectionit's about progress and self-compassion. So, celebrate your successes, learn from setbacks, and remember that every step you take towards prioritizing your well-being is a step in the right direction. With dedication, mindfulness, and a commitment to self-care, you can cultivate a healthier, happier, and more fulfilling life.