For more information about the author, click to view their website: pghassistedliving.com
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.
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.
When evaluating senior housing options, be sure to ask about:
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.
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 |
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.
Alzheimers is the most common type of dementia and occurs when plaques and bundles of proteins build up between nerve cells in the brain, ultimately causing brain cell death. Individuals often experience confusion, memory loss and inability to care for themselves. The disease is physically degenerative and is often mentally and emotionally draining on both the individual with the disease, as well as family members around them. If you or a loved one has been diagnosed with Alzheimers, you likely have a lot of questions. At BrightStar Care, our team has experience in working with clients and families dealing with Alzheimers and want to help you better understand the road ahead.Causes & Diagnosis of AlzheimersWhen caring for a loved one with dementia, knowledge and understanding of their condition can be invaluable. Although every case of Alzheimers disease is unique, there are some commonalities in terms of causes, symptoms and general prognoses.What causes Alzheimers?For people diagnosed with Alzheimers, the exact timeline, symptoms and primary causes will vary. There are many possible causes of Alzheimers disease that include genetic, environmental and/or lifestyle factors. Diet, sleep patterns and a lack of both cognitive and physical exercise may all play a role in the causes of Alzheimers.What is the difference between Alzheimer's and dementia?Dementia is not a disease itself, but rather a group of symptoms that impact brain functionality caused by various diseases and conditions. Alzheimers disease is the most common form of dementia, accounting for 60-80% of dementia cases.What is the 12-question test for Alzheimers? The 12-question test for dementia, also known as the Mini-Mental State Examination (MMSE), is a clinical tool used to evaluate cognitive impairment. It assesses several cognitive functions including memory, orientation to time and place, language abilities, and calculation skills. By asking a series of 12 questions, healthcare providers can gauge a person's cognitive status and help determine the likelihood of dementia.Alzheimers Symptoms & PrognosisThe earliest detectable signs of Alzheimers include memory trouble, apathy and depression. People in the early stages of Alzheimers might have problems completing familiar tasks or misplace things and be unable to retrace their steps. As the disease progresses, more severe symptomsincluding impaired communication, poor judgment and disorientationmay emerge. Each individuals experience with Alzheimers is unique. Your doctor and medical team can help you better understand your condition, symptoms and any treatment options as they relate to you. What are the symptoms of Alzheimers?Alzheimers is most commonly characterized by mental confusion and forgetfulness. Some common tell-tale behaviors are forgetting familiar names, getting lost in familiar places, and an inability to complete routine tasks.How can I tell the difference between Alzheimers and typical signs of aging?While forgetfulness and confusion are associated with Alzheimers, these symptoms also accompany normal aging. So, how can you tell the difference? The Alzheimers Association lists memory loss as a challenge that disrupts daily life, challenges in planning or solving problems, and difficulty completing familiar tasks. They also differentiate these symptoms from the milder signs of normal cognitive decline. For instance, while a normal older adult might occasionally struggle to balance their checkbook or forget an important name or date and then remember it later, these difficulties are more persistent or extreme for an Alzheimers sufferer.For example, occasionally losing your keys or forgetting what you had for breakfast that morning is common among older adults. However, a person with Alzheimers may show even more pronounced lapses in memory. For instance, they may not only lose their keys, but also completely forget what keys are for, showing a stark decline in cognitive connections. Whats the typical Alzheimers prognosis? For people diagnosed with Alzheimers, the exact timeline, symptoms, and severity of their disease can vary. However, the trajectory of the disease tends to flow through seven distinct phases, originally outlined by Dr. Barry Reisberg of New York University.The arc generally begins with symptoms similar to those of normal aging, proceeds through gradually worsening stages that can include difficulty with simple arithmetic and forgetting personal details, and ends with severe decline typified by the inability to swallow.Early stages: Early-stage Alzheimers typically includes mild decline, such as difficulty in finding the right word during conversation, losing personal possessions and having trouble remembering familiar names. At this stage, family members can typically manage care for their afflicted loved one. Middle stages: This period is marked by moderate decline in mental faculties, including poor short-term memory, inability to manage personal finances, difficulty dressing or grooming and significant confusion. In these stages, a person with Alzheimers may need occasional in-home care or nursing services.Late stages: In the final stages, severe decline is present, including inability to recognize familiar faces, inability to remember personal details, loss of bladder control and major personality changes. Individuals at this stage either relocate to a residential facility or have a full-time in-home caregiver.Is there a cure for Alzheimers? Theres no known cure for Alzheimers, only treatments that can ease symptoms. The FDA has approved two types of medications (cholinesterase inhibitors, such as Aricept, Exelon, and Razadyne, and memantine, found in Namenda) that diminish mental confusion, memory loss, and other cognitive symptoms, but these do not reverse the underlying causes.Recent research and clinical trials have made potential breakthroughs with immunotherapy treatments and monoclonal antibodies. Many also suggest herbal supplements like gingko biloba and coenzyme Q10, but these lack confirmation through clinical trials. Additionally, non-drug interventions such as cognitive behavioral therapy as well as caregiver support programs can improve quality of life, especially in early stages. Alzheimers Prevention and Management Understanding the nature of Alzheimers and how to manage it can positively impact families affected by this disease. Having accurate information about risk factors, early warning signs and how to manage each stage of Alzheimers can help support family caregivers throughout the progression of the disease. How can I prevent Alzheimers? There are no proven ways to completely prevent Alzheimers. As with many degenerative illnesses, a healthy lifestyle, including regular exercise, balanced diet, and effective sleep habits, may help lower the risk of developing Alzheimers. Research has shown a correlation between high blood pressure and high cholesterol and the incidence of the disease. Doctors recommend getting these numbers to a healthy level, not only for Alzheimers prevention but for general good health.There are a variety of ways to maintain good brain health that can also work toward a lower likelihood of Alzheimers disease. Regular social interaction, brain stimulating activities such as puzzles and learning new skills, and managing stress levels can help maintain cognitive health. Certain forms of physical exercise can also support brain health such as walking, swimming and strength training. Is Alzheimer's hereditary?There are rare familial forms of dementia caused by genetic mutations such as familial Alzheimers disease, frontotemporal dementia and familial vascular dementia, which are more likely to occur in people under the age of 65. However, research shows that most cases of Alzheimers are not linked to genetics.How prevalent is Alzheimer's?Before the age of 65, only 1 out of every 1,000 people develop dementia. The chance of having the condition rises sharply with age to 1 person in 20 over the age of 65. Over the age of 80, this figure increases to 1 person in 5.How does Alzheimer's disease progress over time?Alzheimers is a degenerative disease that progresses in stages from mild to moderate to severe. The disease usually starts with mild symptoms such as increasing forgetfulness, then progresses to general confusion and disorientation. Finally, Alzheimers patients end up with severe symptoms, such as an inability to communicate or care for themselves.Caregiver Support for Alzheimers Disease Caring for a loved one with Alzheimers disease can be difficult from both a physical and emotional perspective. Family caregivers can benefit from trusted resources to help them more effectively communicate with their loved one with Alzheimers. Having the right resources and information can help them learn to manage difficult behaviors like agitation and wandering and ensure safety and fall prevention in the home. At BrightStar Care, we can help connect you with resources to support family caregivers, including support groups, education and training. For those with family members in the early stages of Alzheimers, we offer respite care to help give you a much-needed break. And as their condition progresses, our team can match you with compassionate, qualified memory care professionals. Reach out today and let us know how we can help.To learn more please contact us at 303-300-6666.
Many married couples share almost everything, including finances. This may be reflected in their estate plan by using one joint living trust instead of two separate trusts. Separate trusts can provide greater flexibility, but a joint trust can be structured so that when one spouse passes away, the trust is split into two sub-trusts: a survivors trust and a decedents trust. This arrangement provides the surviving spouse with the same versatility that separate trusts offer. The surviving spouse has full control over their survivors trust, but may have limited control over the deceased spouses accounts and property that make up the decedents trust. Decedents Trust and a Survivors Trust A survivors trust is a middle ground between a joint trust and separate trusts. If a couple chooses to combine their assets (accounts and property) into a joint revocable living trust, both spouses will usually be named as trustees and beneficiaries. The joint trust can further stipulate that when one spouse passes away, the trust divides into subtrusts. One of those subtrusts can be a survivors trust. A second subtrust, the decedents trust, will also be created to hold and manage assets owned by the decedent. How a Survivors Trust Works A typical joint trust arrangement lists four types of property, depending on the state in which you live: Joint assets Community property First spouses separate property Second spouses separate property When the first spouse dies, the survivors trust receives one-half of the community property, one-half of the joint property, and all property identified as the separate property of the surviving spouse. The deceased spouses half of the community property and joint property, along with their separate property, may be funded into the decedents trust with its own set of instructions. The trust agreement could also state that all of the deceased spouses property will go into the survivors trust instead of going into a separate subtrust. Reasons to Have a Survivors Trust Regardless of exactly how the joint trust assets are allocated, a crucial distinction is that a survivors trust is revocable, while the decedents sub-trust is irrevocable. This means that the surviving spouse retains full control over the survivors trust. They can alter the terms of the trust however they want. For example, they can add and remove assets, change beneficiaries, appoint new trustees, or terminate the trust. The surviving spouse can also completely change the terms of the survivors trust in its entirety. While the surviving spouse may be the beneficiary of the decedents trust, the surviving spouse will likely have less control over the management of assets in the decedents trust. This allows the deceased spouse to put protective measures in place while they are alive to make sure that their assets are managed the way they want and that someone cannot change the rules after they pass away. This can be helpful for clients who are worried about their spouse remarrying after their death and to ensure that assets that remain at the surviving spouses death go to a predetermined person. The purpose of any trust is to take care of loved ones and protect assets from costly probate and taxes. To discuss an estate plan that meets your goals, please schedule your appointment with our Estate Planning attorneys - 724-375-4005.
Understanding the financial aspects of home care is crucial for many families. Its about knowing your options, who to talk to, and where to begin. At Amazing Care, were here to help you navigate through the maze of home care payment options, ensuring you make informed decisions regarding paying for home care services.Home care, an essential service for many, can sometimes be a financial burden. However, with the right information and resources, you can find ways to manage these costs effectively. Amazing Care offers several payment options to alleviate this burden.Medicaid: A viable option for those who meet certain income and health requirements. Amazing Care accepts Medicaid for qualifying services, providing a lifeline for many in need of home care without the financial means to afford it out-of-pocket. For more detailed information on how you can utilize Medicaid for services at Amazing Care, visit our Medicaid payment options page.Medicare: Typically, Medicare covers medically necessary home health care services. If you or your loved one is a Medicare beneficiary, you might be eligible for coverage of Amazing Cares services. This includes nursing care, physical therapy, and more under certain conditions outlined by Medicare guidelines. To understand how Medicare can help cover your home care needs with Amazing Care, check out Amazing Cares Medicare guide.Private Insurance: Home care covered by insurance is available, and many private health insurance policies include home care services. Coverage details can vary widely, so its essential to contact your insurance provider to understand the specifics of your policy. Amazing Care works with numerous private insurance plans, assisting you in maximizing your benefits. For insights on navigating private insurance with Amazing Care, visit our private insurance payment options page.Starting this journey can be overwhelming, but youre not alone. The first step is to contact Amazing Care to discuss your needs and payment options. Our team is dedicated to guiding you through the process, ensuring you access the care you need without undue financial stress. By exploring Medicaid, Medicare, and private insurance options, youll find a path to covering the costs of home care. Questions, please contact us at 303-755-3170.
Hello, I am Jennifer Thayer. Exploring senior living options can be confusing and timeconsuming. Assisted Living Locators Care Advisors are in your community and work closely with you to guide you through the process from beginning to endanswering your questions and addressing your concerns, helping you feel confident and comfortable with your decisions. As a native of Pittsburgh with expertise in nursing as well as senior living options, I will provide a hands-on approach that is unique to your needs. I will guide you & your family through the entire complex, time consuming, and sometimes overwhelming process of senior care. We will discuss your needs, visit communities together, and I answer all of your questions about care options and cost. Beyond move-in day at your community, I will continue to visit and advocate for your well-being. I will make sure your community is meeting all of your needs & providing you with excellent care. I have been a Registered Nurse for 15 years, providing care, guidance and compassion for people in the Pittsburgh area as well as nationally. In addition to my nursing degree, I also have a bachelors degree in Psychology. My Psychology degree combined with my work/volunteer experience in the field as equipped me to deal with the diverse mental and emotional needs of others. Helping others has always been a passion of mine. Our seniors are overlooked too often and this is why I have been inspired to pay it forward and to assist seniors with their next chapter in life. You and your family will have a personal Senior Care Advisor free of charge assisting you through the entire process. As a Registered Nurse I have a network of reputable, trusted communities and providers throughout the Pittsburgh area that share one common goal: providing excellent care while showing compassion. I will listen to you and address your concerns and needs. I will make sure care options and cost are appropriate. I will be available to you and your family every step of the way even after you are settled into your new home. You never need to worry about getting a one size fits all solution. Instead, you can rest assured that the communities and homes we recommend have been pre-screened and personally matched to your loved ones needs.Unbiased solutions at no cost to you.My only obligation is to you and making sure that we help you find the best solution for your needs. You can depend on me to make finding care as simple and quick as possible.I am ready to help you:- Simplify your search- Understand the options- Compare costs and services- Provide unbiased, personal, and expert guidance- Make the best senior care choice for your loved oneOur Free Senior Living Services:Our care advisors take a 4-step approach to guiding you through the process of finding the best senior living option for your family.In-Depth Assessment of Your NeedsDiscuss your needs (in-person or by phone) to learn how we can best serve you.Thoughtful Analysis & RecommendationsProvide a customized plan to match your particular needs.Assistance with Selection ProcessHands-on help and guidance as you review services and amenities, and tour care options.Transition SupportCaring support to make the move smooth and worry free, as well as follow up support to make sure that your expectations are being met by the community or home.What to Expect When You Call UsWe want to learn as much as we can We dig deep with you to really understand what your family needs both for a new living situation and for other support services.Our Individualized AssessmentAn Assisted Living Locators care advisor will meet with you and your family to discuss available and appropriate options. We evaluate all aspects of your senior situation to find the right match, whether its health care needs, religious and political affiliations, mobility requirements, budgets, desired social activities, locations, or the 1001 ways that make your senior unique.We Are Your Comprehensive GuideWe are committed to being compassionate and concerned with the needs of our clients. We are your comprehensive guide to matching the care you desire with the living options in your community. The facilities in our network reimburse for our services so that we can remain at no cost to you.Finding the Care that is Right for Your FamilyWhen we evaluate a senior living facility, we examine not only the amenities, but also the special features and characteristics. After we verify the services you need are met by the community, we consider the unique aspects that will make the difference in selecting a home best suited for your loved one.Im here, ready to help. Give me a call today!
Hello, I am Jennifer Thayer. Exploring senior living options can be confusing and timeconsuming. Assisted Living Locators Care Advisors are in your community and work closely with you to guide you through the process from beginning to endanswering your questions and addressing your concerns, helping you feel confident and comfortable with your decisions. As a native of Pittsburgh with expertise in nursing as well as senior living options, I will provide a hands-on approach that is unique to your needs. I will guide you & your family through the entire complex, time consuming, and sometimes overwhelming process of senior care. We will discuss your needs, visit communities together, and I answer all of your questions about care options and cost. Beyond move-in day at your community, I will continue to visit and advocate for your well-being. I will make sure your community is meeting all of your needs & providing you with excellent care. I have been a Registered Nurse for 15 years, providing care, guidance and compassion for people in the Pittsburgh area as well as nationally. In addition to my nursing degree, I also have a bachelors degree in Psychology. My Psychology degree combined with my work/volunteer experience in the field as equipped me to deal with the diverse mental and emotional needs of others. Helping others has always been a passion of mine. Our seniors are overlooked too often and this is why I have been inspired to pay it forward and to assist seniors with their next chapter in life. You and your family will have a personal Senior Care Advisor free of charge assisting you through the entire process. As a Registered Nurse I have a network of reputable, trusted communities and providers throughout the Pittsburgh area that share one common goal: providing excellent care while showing compassion. I will listen to you and address your concerns and needs. I will make sure care options and cost are appropriate. I will be available to you and your family every step of the way even after you are settled into your new home. You never need to worry about getting a one size fits all solution. Instead, you can rest assured that the communities and homes we recommend have been pre-screened and personally matched to your loved ones needs.Unbiased solutions at no cost to you.My only obligation is to you and making sure that we help you find the best solution for your needs. You can depend on me to make finding care as simple and quick as possible.I am ready to help you:- Simplify your search- Understand the options- Compare costs and services- Provide unbiased, personal, and expert guidance- Make the best senior care choice for your loved oneOur Free Senior Living Services:Our care advisors take a 4-step approach to guiding you through the process of finding the best senior living option for your family.In-Depth Assessment of Your NeedsDiscuss your needs (in-person or by phone) to learn how we can best serve you.Thoughtful Analysis & RecommendationsProvide a customized plan to match your particular needs.Assistance with Selection ProcessHands-on help and guidance as you review services and amenities, and tour care options.Transition SupportCaring support to make the move smooth and worry free, as well as follow up support to make sure that your expectations are being met by the community or home.What to Expect When You Call UsWe want to learn as much as we can We dig deep with you to really understand what your family needs both for a new living situation and for other support services.Our Individualized AssessmentAn Assisted Living Locators care advisor will meet with you and your family to discuss available and appropriate options. We evaluate all aspects of your senior situation to find the right match, whether its health care needs, religious and political affiliations, mobility requirements, budgets, desired social activities, locations, or the 1001 ways that make your senior unique.We Are Your Comprehensive GuideWe are committed to being compassionate and concerned with the needs of our clients. We are your comprehensive guide to matching the care you desire with the living options in your community. The facilities in our network reimburse for our services so that we can remain at no cost to you.Finding the Care that is Right for Your FamilyWhen we evaluate a senior living facility, we examine not only the amenities, but also the special features and characteristics. After we verify the services you need are met by the community, we consider the unique aspects that will make the difference in selecting a home best suited for your loved one.Im here, ready to help. Give me a call today!