Pennsylvania - Pittsburgh

Pennie is Pennsylvanias insurance marketplace and provides individuals and families with the ability to shop for high-quality health care plans and easily apply for financial assistance. All PA residents who are citizens, U.S. nationals, or have a qualified immigration status can apply and enroll in health coverage through Pennie. In order to apply for Pennie, it is helpful to have an insurance broker who understands your needs.  One of the key advantages of working with a broker is their in-depth knowledge of the Pennie Marketplace. This guidance empowers individuals and families to choose a plan the balances cost and coverage.  It can be complex and overwhelming, but having a broker simplifies the process.Health Insurance and Medicare broker services are always free.    Editors Note:  This article was submitted by Lukas Baker, Independent Health Insurance Broker, Baker Consulting Services, Inc.  The phone no. is 724-594-7648, or visit their website at www.consultbaker.com.

In this episode of Wealth on the Move, host Will Hoffman interviews estate attorney Ashley Sharek, who discusses her innovative approach to estate planning. Ashley emphasizes the importance of follow-through in legal processes, the significance of comprehensive planning, and the unique challenges faced by families, especially those with minor children. The conversation also covers the complexities of domicile issues for snowbirds and the probate process, providing valuable insights for listeners seeking to navigate estate planning effectively. In this conversation, Ashley Sharek and Will Hoffman delve into the complexities of estate planning, focusing on the probate process and the advantages of utilizing trusts. They discuss the public nature of probate, the costs associated with it, and the importance of planning ahead to avoid potential pitfalls. The conversation also highlights the significance of community engagement through educational events that aim to demystify estate planning for the public. Key Takeaways about Navigating Estate PlanningAshley Sharek emphasizes a heart-centered approach to estate planning. Many law firms focus on transactional experiences rather than comprehensive planning. Domicile determines where a person is considered a resident for legal purposes. Probate can be avoided with proper planning, not just a will. Flat fee structures can alleviate concerns about unexpected legal costs. Follow-through is crucial for effective estate planning. Families with minor children need a kids protection plan. Medical directives and financial powers of attorney are essential documents. Education is a key part of Ashley's process with clients. Regular reviews of estate plans are necessary to ensure they remain effective. A will only provides a roadmap for asset distribution through probate. Probate can be a lengthy and costly process, often taking one to two years. Many people have negative experiences with probate, leading them to seek alternatives. Revocable trusts can help avoid probate and provide privacy for families. Irrevocable trusts serve specific purposes, such as protecting assets from nursing home costs. The costs of probate can range from 5% to 7% of the estate's value. Community events can provide valuable education on estate planning. Planning for the future is essential, even if it seems unexciting. Understanding the differences between revocable and irrevocable trusts is crucial. It's important to seek professional advice when considering estate planning options.

You never need to worry about getting a one size fits all solution. Instead, you can rest assured that the senior living communities and care homes we recommend have been pre-screened and personally matched to your loved ones needs.Contact Us 724-972-3202pghassistedliving.com

Alzheimers effects more than 6 million Americans, and that number is expected to only rise. It is uncertain, theres no way of telling how this disease will develop over time for your loved one because of its unpredictable ways. It can progress rapidly or painfully slow, early, mid, and late-stage Alzheimers is the cycle this disease follows.Alzheimers and dementia require around the clock care, caregivers are a lot of times family, and it can be a burden on them to dedicate themselves to taking care of their loved one alone. According to the Alzheimers Association, over 11 million Americans are caregivers for those suffering from Alzheimers or dementia, unpaid.Alzheimers, dementia, and other types of memory impairment can affect peoples and families lives drastically. To ensure your loved one gets the help they need, look out for early warning signs of cognitive impairment. When it does come time to make a care plan, turning to memory care will help in the process of planning.The purpose of memory care facilities is to provide a safe and healthy environment for residents who suffer from Alzheimers, dementia, and other types of memory impairment. Receiving a diagnosis like Alzheimers requires your loved one to live in a safe environment with trained professionals. Choosing memory care can be one of the best options to receive top tier and individualized care.There are approximately 30,000 assisted living facilities with memory care units included in them, making it important for you or your loved one to find which works best.It can be difficult to narrow down a memory care facility thats right for your loved one. The most important part when selecting a memory care facility is making sure it checks all the boxes. When choosing a community, take time to research and discover what these facilities have to offer.Use the following guide to assist in the decision for the best memory care facility.Look for Management and Experience in Memory CareReputationHaving a good reputation in the community is important to the facility and potential residents and families. The best way to judge a reputation is by experiencing it, its easy to make quick judgements so we recommend reading reviews, reaching out to residents or families in the area, and scheduling a tour.Licensing and InspectionsThe state regulates assisted living communities by putting in place protocols, procedures, and sometimes with unannounced visits. The Centers for Medicare and Medicaid Services (CMS), regulate nursing homes with evaluations posted on their website but not assisted living communities. Each state regulates assisted living facilities in place of the federal government. Each state is different and usually is monitored by the states health department or social services. To learn more, click here.Longevity and Certification of StaffHaving experienced and well-trained staff is crucial to a properly run facility. The staff who have been there for years know the residents well, are very familiar with the facility and are experienced. When assisting residents, you or your loved one want a staff member who knows what they are doing. This isnt to say younger, newer staff are not qualified, but staff with higher longevity have more experience working in this environment. Its important to note if the staff are Certified Dementia Practitioners, having staff who understands and is trained in the disease is incredibly valuable to you and your loved one.Look for a Friendly Atmosphere and Environment in a Memory Care UnitFacilityHaving a clean facility is important in choosing the right space. The ambience is a big factor to consider when touring, does it feel comfortable, or does it feel off-putting? Is the facility like the pictures online or is it completely different looking, many facilities do this to get customers in the door but its deceiving. In the facility, pay attention to whether the staff is warm and friendly or if they seem like they dont want to be there. Keep in mind picturing yourself or your loved one walking through the halls or sitting having dinner with residents, its important to feel comfortable.StaffWhen choosing a memory care facility, the staff is arguably one of the most important aspects of making a decision. The staff are going to be the ones taking care of  your loved one. They will be responsible for administering medicine, helping with mobility, running engaging activities, and caring for your loved ones overall safety. Keep in mind if staff looks well-groomed and if they seem to care about their positions in facilities as they are responsible for residents. People who work in memory care should be passionate in this line of work, find people you and your loved one connect with and feel comfortable around.Look for Quality Services and Amenities of Memory CareCareCan you and your loved ones needs be met? Will the nurses and staff cater to your loved one for their specific required needs? These are questions to think about before making the final decision about where to go. 24/7 nursing is important to have when aging, someone to always be there in case of emergency. Look into how care is administered and how it is determined to cater to your loved one. Ask questions on the tour, reach out to the director, and read all the information the facility will provide in detail.TransportationHaving transportation to be able to take your loved one to appointments is needed to transport them safely instead of having to get family or friends during the day to come and do it. This is an important amenity to families of loved ones and residents.Outside SpaceAs humans, everyone needs fresh air. Having a path to walk on or somewhere to be able to sit and get fresh air is important, especially living with Alzheimers or dementia. Its easy to become cooped up a lot of the time, and not want to socialize or come out of the room because it seems scary. Going outside and moving will help any feelings of isolation or sadness. Look for some vitamin D!Some facilities offer many different types of amenities like an ice cream parlor, barber shop, hair salon, library and more!Look for Safety Features Offered in the Memory Care UnitSecurityLiving in a memory care facility, there should be a certain level of security for residents and staff. If your loved one suffers from Alzheimers or dementia, having security implementations such as Wander Guard will help monitor them. If a resident tries to leave the building alone or starts wandering, its a simple way to help avoid accidents and to keep your loved one safe.Call SystemHaving a call system in place will help with the safety of your loved one. Residents can notify nurses if they are not feeling well or have fallen, its a system that helps staff be aware of issues in the building since they cant be everywhere at once. The call system is a feature that helps bring families peace of mind because they know their loved ones are in constant care, which is better than at home.Ask for Their Recreational Activities Calendar of Memory CareInterestMany facilities offer a wide variety of social and recreational activities for residents, with a lot of diversity to cater to different interests. When researching facilities, focus on activities that interest your loved one and seems fun. At a memory care facility, there are more options than at home, but its still important to find activities your loved one will enjoy. Facilities that offer a variety will be helpful in creating a wonderful atmosphere. From indoors to outdoors to exercise classes and karaoke, many facilities offer a lot of options for residents to socialize.FamilyWith the hundreds of activities assisted living facilities can put together, important activities also include family involvement as well as the community. Having a facility that enriches and encourages families to come and visit their loved ones is important to help maintain close bonds. Holiday parties with family, birthdays, and get togethers can help residents with Alzheimers or dementia stay connected.Look for Memory Care Quality Food ServiceDietary NeedsMost people have different needs or specific restrictions when it comes to their diet, especially as they age. It can be recommended by your doctor if suffering from Alzheimers or dementia, an allergy, or a personal choice. Making sure a facility offers special dietary services is an important feature. While looking, its important to also research if the menu is approved by a dietitian.VisitorsLook into whether residents can have visitors and what that cost would be. Some residents might not be able to leave the facility because they are not able, so its important to see if the facility allows family members to have private parties or gatherings.Ask Questions About Contacts and FeesWhen on a tour or speaking with the facility employees ask questions like the following: Are there community entrance fees? Are there any extra costs? Can you age in place? How often do rates increase?Some facilities charge these fees, and some do not. Each facility will work differently for everyone based on their financial situation and each facility offers different services to residents. Find whats best for you and your loved one!This checklist is meant to help get you or your loved ones mind to begin thinking about important aspects to consider when discussing moving into memory care. There are many attributes that pertain to where you or your loved one make the choice. Its important to do the research and investigate certain features that would help make the decision easier. It can be difficult to narrow down the right place, especially with cost being a large factor. Use resources to help in this decision and trust the process!Being in a facility dedicated to helping your loved one live a full life is the purpose of memory care. They will receive 24-hour care, a safe environment for them to live their lives in, activities to keep up stimulation and socialization, and peace of mind for families that a loved one is in a safe space designed for them and their diagnosis.Lets further discuss key points on why memory care could be the right choice for you and your loved one:Reason 1:- 24/7 NursingHaving licensed nursing professionals on-site at all times will provide comfort for you and your loved one when in memory care. It gives you, your loved one, and family members peace of mind knowing medical professionals are always readily available day through night. With Alzheimers or dementia, it can be hard to communicate when not feeling well, or something is wrong. Professional nurses who are trained in memory care can communicate with you or your loved one safely and more efficiently.As families accept the reality of their loved ones being diagnosed with Alzheimers or dementia, the idea of taking care of them can be overwhelming. Family members usually dont have the skills or tools necessary to properly take care of their loved one. Memory care helps release that burden of feeling like someone needs to put their life on hold. There are nurses who work at these facilities dedicating their lives to patients like your loved one. Memory care facility nurses train to become strong communicators and advocators for patients with Alzheimers or dementia. With 24/7 nurses, your and your loved one will gain a sense of safety. Reason 2: Having a 24/7 Activities CalendarWhen living with Alzheimers or dementia, stimulating the mind and body is essential to creating a better-quality life. Its easy for Alzheimers or dementia patients to become isolated and overwhelmed very easily, curated activities for cognitive function can help your loved one live a better quality of life. The reason behind 24/7 activities is to intrigue every type of resident, which could be late in the afternoon or at 3 in the morning. The purpose is to have the opportunity for interaction for residents available regardless of the time. Some residents are night owls, others early birds, both have the chance to do what they want and when.With Alzheimers and dementia patients, every single day is different. Its hard to know how they will react to something or what kind of mood that day will bring.  Having an activities schedule robust enough that it is intriguing but not overwhelming is important to the proper care. Memory care facilities create an active environment with skilled nurses to help guide your loved one to a better quality of life while living with Alzheimers or dementia.Reason 3: Amenities AvailableMemory care facilities offer opportunities one would not receive at home. Your loved one would be able to have different perks right down the hall unlike at home. Memory care facilities and their amenities can help to uncomplicate life, doing so by offering a sense of freedom while still being cared for. Lets say your loved one really likes to get out of the house and explore different things like going to the barber shop or the nail salon. Memory care facilities offer amenities like those to bring a sense of normalcy to residents and gives them the independence to explore right there.Reason 4: Healthy Dining ProgramAt memory care facilities, it is very important to residents with Alzheimers or dementia. Usually, dementia friendly meals are served to keep residents physically and mentally healthy as much as possible. When suffering from Alzheimers or dementia, its easy to forget to eat, not remember if you did already, or become too overwhelmed. A balanced diet is important because your loved one cant be responsible for taking care of themselves alone anymore.Memory care facilities help monitor and create balanced meals for residents. They also give the option to not dine alone and create conversation daily while being fueled with the proper nutrition.Reason 5: Making it Feel Close to HomeMemory care facilities dont have to feel like an uncomfortable place. The staff and volunteers have a wonderful gift of making it feel close to home. When moving into a memory care facility, make sure to bring similar furniture, or items that make your loved one feel at home. Its possible they wont remember home much, but items from the past will help to keep the connection.At a memory care facility, they also focus on celebrating residents as well as holidays. Families can visit and theres something to do every single day. Residents can live a better quality of life than if they were home, your loved one can meet people and have friends to socialize with while getting the assistance and care needed.Reason 6: Safety Protocols The most important aspect of a memory care facility is the safety they offer. Nurses, security, and overall care can ensure your loved ones safety. When living at home, it can be difficult to live a good quality life. Unless you or your loved one has home care, there needs to be a solution to help in dealing with Alzheimers or dementia. Memory care facilities will offer constant care and a community for you or your loved one to be a part of, safely.In ConclusionWhen diagnosed with Alzheimers or dementia, having a plan is important to creating the best quality of life possible for your loved one. Memory care will help keep them stimulated, safe and sociable. As hard as it may be to come to terms with a difficult diagnosis, its always possible to create a path in which its not as scary. Memory care facilities will take you and your loved one in with open arms.Pittsburgh is known as one of the best places to live in Pennsylvania according to Niche. It is rich in American history and known as the City of Bridges having 446 of them. There are 195 assisted living facilities in the Pittsburgh area, they offer different opportunities for levels of care and costs.Pittsburgh is a place where different age groups can find multiple activities to do. Being in assisted living wont stop you from still enjoying the city you live in if youre able. Look into the local arts and culture of Pittsburgh, like the Warhol Museum.Where you or your loved one decides to choose memory care is important, as well as the town around it. The Village of Williamsville offers unique shops and a friendly atmosphere to explore. If youre interested in learning more about memory care facilities and what they can offer to you or a loved one, research! Call up potential facilities and schedule a tour to see it in person or a virtual visit.Take the information here and process all the opportunities memory care can give to you and a loved one. It can help to transform someones quality of life, while dealing with an incurable disease. There are so many opportunities for residents with the activities and amenities offered through memory care. Memory care is to help you and your loved one live a better life.