Colorado CareAssist

Long Term Care InsuranceLong term care insurance can pay for both assisted living and in home care. Colorado CareAssist will provide a complimentary review of your long term care insurance policy and help you get the benefits you are entitled to.What LTC Policies CoverServices including personal care (bathing, dressing, eating) in a variety of settings such as your home or an assisted living facility.The long-term care policy reimburses the policy holder or the home care agency a daily amount for services to assist them with activities of daily living.Some policies may have limits on how long or how much they will pay.How Your Long-Term Care Insurance is TriggeredThe Long Term Care Insurance company usually sends a nurse/social worker who will assess the seniors condition.If the senior needs help with activities of daily living that meet the minimum criteria stipulated in the policy, the Long Term Care Company will approve payment of services.Once approved, the care manager from the insurance company will approve a Plan of Care.Many policies have an elimination period, an amount of time that must pass after the Plan of Care has been approved and before the Long Term Care Company pays for services. During this time, the client must cover the cost of any services received.Most policies will pay your loved ones cost up to a pre-set daily limit until the lifetime maximum is reached. Colorado CareAssist can help make the policy clear and help you take advantage of every benefit

Colorado, renowned for its breathtaking landscapes and vibrant communities, offers a plethora of activities tailored specifically for seniors. From outdoor adventures to cultural experiences and wellness programs, the state provides numerous opportunities for older adults to stay active, engaged, and healthy. This guide explores some of the best activities for seniors in Colorado, ensuring a fulfilling and enriching lifestyle.1. Outdoor AdventuresHiking and Walking TrailsColorado boasts an extensive network of hiking and walking trails suitable for seniors of all fitness levels. The Garden of the Gods in Colorado Springs, with its stunning red rock formations and easy walking paths, is a popular choice. Similarly, the Boulder Creek Path in Boulder offers a scenic, flat route perfect for a leisurely stroll.For more information, visit the Colorado Trails Explorer website. Bird WatchingWith diverse habitats ranging from grasslands to alpine regions, Colorado is a bird watchers paradise. Seniors can join local bird watching groups or visit hotspots like the Rocky Mountain Arsenal National Wildlife Refuge near Denver, which is home to over 330 species of birds.Learn more at the Colorado Birding Trail website.2. Cultural ExperiencesMuseums and Art GalleriesColorados rich cultural scene is accessible to seniors who enjoy museums and art galleries. The Denver Art Museum, with its senior-friendly programs and exhibitions, is a must-visit. Additionally, the Colorado Springs Pioneers Museum offers insights into the states history with senior discounts available.For upcoming exhibits, check out the Denver Art Museum and Colorado Springs Pioneers Museum websites. Theater and Performing ArtsThe states vibrant performing arts scene includes senior-friendly venues like the Denver Center for the Performing Arts, which hosts Broadway shows, concerts, and more. The Colorado Shakespeare Festival in Boulder is another excellent option for seniors who enjoy live theater.Find more details at the Denver Center for the Performing Arts and Colorado Shakespeare Festival websites.3. Wellness and Fitness ProgramsSenior Fitness ClassesMany community centers and gyms in Colorado offer fitness classes designed specifically for seniors. SilverSneakers, a popular fitness program for older adults, is available in numerous locations across the state. These classes focus on strength, flexibility, and balance, catering to various fitness levels.To find a class near you, visit SilverSneakers.com.Yoga and Tai ChiYoga and Tai Chi are excellent for seniors seeking gentle exercise that enhances flexibility, balance, and mental well-being. Studios like Yoga Pod in Boulder and Tai Chi Colorado Springs provide classes specifically tailored for older adults.Explore more at Yoga Pod Boulder and Tai Chi Colorado Springs websites.4. Social and Recreational ActivitiesSenior CentersSenior centers across Colorado offer a wide range of activities, including games, social events, and educational classes. The Fort Collins Senior Center, for instance, provides everything from art workshops to dance classes, ensuring a lively and engaging environment for seniors.Discover more at the Fort Collins Senior Center website.Volunteering OpportunitiesMany seniors find fulfillment in volunteering, and Colorado has numerous opportunities for those who wish to give back to the community. Organizations like Volunteers of America Colorado and the Denver Botanic Gardens welcome senior volunteers in various capacities.Find volunteering opportunities at Volunteers of America Colorado and Denver Botanic Gardens websites.5. Travel and ExplorationScenic Train RidesFor seniors who prefer a more relaxed way to enjoy Colorados scenery, scenic train rides offer a fantastic option. The Durango & Silverton Narrow Gauge Railroad and the Georgetown Loop Railroad provide unforgettable journeys through the states picturesque landscapes.Book your ride at Durango & Silverton Narrow Gauge Railroad and Georgetown Loop Railroad websites. Hot SpringsColorados hot springs are perfect for seniors seeking relaxation and therapeutic benefits. Locations like Glenwood Hot Springs and Mount Princeton Hot Springs offer serene environments where seniors can unwind and rejuvenate.Plan your visit to Glenwood Hot Springs and Mount Princeton Hot Springs websites.6. Educational ProgramsLifelong LearningSeniors in Colorado have access to numerous lifelong learning opportunities. Universities like Colorado State University and the University of Colorado offer programs and courses specifically designed for older adults, covering a wide range of subjects from history to technology.Explore lifelong learning at Colorado State University and University of Colorado Boulder.LibrariesLibraries in Colorado provide more than just books; they offer various programs and workshops for seniors. The Denver Public Library, for example, hosts book clubs, technology classes, and cultural events tailored to older adults.Visit the Denver Public Library for more information.ConclusionColorados diverse array of activities ensures that seniors can find something to suit their interests and abilities. Whether its exploring the great outdoors, engaging in cultural pursuits, participating in fitness programs, or continuing education, the state offers countless opportunities for seniors to lead an active, fulfilling life. By taking advantage of these resources, older adults in Colorado can enjoy a rich and vibrant lifestyle.

Wartime veterans and their surviving spouses may be entitled to a benefit called Aid and Attendance.The Department of Veterans Affairs provides financial aid to help with the cost of long-term care for those who need help with activities of daily living such as bathing, eating, toileting, dressing, and transferring and who are in financial need. Applying for those benefits once you are in need of extra assistance will help to pay for the care. These are benefits earned and paid for by the sacrifice and service to our country.Surviving Spouses $1,149 a monthSingle Veteran $1,788 a monthMarried Veteran $2,120 a monthTwo Veterans, Married $2,837 a monthFor more information on Aid and Attendance:http://www.benefits.va.gov/pension/aid_attendance_housebound.aspHow to ApplyYou may apply for Aid and Attendance or Housebound benefits by writing to the Pension Management Center (PMC) that serves your state. You may also visit your local regional benefit office to file your request. You can locate your local regional benefit office using the VA Facility Locator found on the above web-site.The following is from the web-site:You should include copies of any evidence, preferably a report from an attending physician validating the need for Aid and Attendance or Housebound type care.The report should be in sufficient detail to determine whether there is disease or injury producing physical or mental impairment, loss of coordination, or conditions affecting the ability to dress and undress, to feed oneself, to attend to sanitary needs, and to keep oneself ordinarily clean and presentable.Whether the claim is for Aid and Attendance or Housebound, the report should indicate how well the applicant gets around, where the applicant goes, and what he or she is able to do during a typical day. In addition, it is necessary to determine whether the claimant is confined to the home or immediate premises.

As individuals age, they often experience changes that can impact their ability to live independently. Recognizing the need for home care can sometimes be challenging, both for the elderly person and their loved ones. Nonetheless, understanding the various reasons why home care might be beneficial is crucial.