If an aging senior has a new health diagnosis or is getting frail, what might happen in his or her future?
Many seniors don’t realize that senior living communities often have minimum health requirements. If you have a diagnosis of a progressive disease, you may not qualify for certain types of housing. If you are in the later stages of Alzheimer’s, you may only qualify for memory care or skilled nursing care.
It is illegal for a senior housing care provider to let you move in and not be able to provide for your needs. Many seniors are stunned when they arrive at an independent senior living community to be told they have bypassed an independent living setting and that an assisted living community would provide a more appropriate level of care for them.
The conversation that a retirement counselor in a senior housing community dreads most is “the talk” with a future resident. As I write this, one Continuing Care Retirement Community (CCRC) that I work with had to turn down two senior applicants in the last six weeks. One applicant had a diagnosis of dementia and could not manage alone, and the other was too frail for independent living. Even though those seniors thought they were fine to move into independent living, they only qualified for assisted living.
Other CCRCs I worked with in the past would deny people admittance if they had ever had cancer, Parkinson’s, Alzheimer’s, multiple sclerosis, or anything that would send them quickly into a higher level of care for an extended period of time. How can they do this, you might ask? Well, it is a contract for services, and as long as they are consistent with all applicants, this is considered consistent with fair housing practices.
Have you ever heard of denying a senior (in a wheelchair) admittance into a retirement community? A senior prospect (in a wheelchair) said it happened to them at several communities. How can this be?
“Your Senior Housing Options,”has a simplistic title, but what’s inside this new book can save a you months of research time. Hear Diane Masson’s interviewof how her mother and in-law’s faced the pivotal decision to plan ahead or wait until a crisis. Learn the pitfalls from transitioning from your home to senior housing. Understand what questions to ask, insider tips and dirty secrets revealed. For weekly tips join at: Www.Tips2Seniors.com
Diane Masson has worked in senior housing for 17 years and is the regional marketing director for two debt-free Continuing Care Retirement Communities in Southern CA (Freedom Village in Lake Forest and The Village in Hemet). Her first book “Senior Housing Marketing – How to Increase Your Occupancy and Stay Full,” is being utilized by senior housing professionals across the country. Both her first book and second book, “Your Senior Housing Options,” have a 5-star rating on Amazon.com.
Smart seniors plan ahead and research their options. Don’t get caught in a health care crisis. Once you are in crisis mode, your options may be limited. These seven deadly sins are a summation of my work with thousands of seniors during the course of my career.
Do you agree with these 7 deadly sins in the video? Do they apply for home care, assisted living, memory care, skilled nursing and Continuing Care Retirement Communities?
Your Senior Housing Options,”has a simplistic title, but what’s inside this new book can save a you months of research time. Hear Diane Masson’s interviewof how her mother and in-law’s faced the pivotal decision to plan ahead or wait until a crisis. Learn the pitfalls from transitioning from your home to senior housing. Understand what questions to ask, insider tips and dirty secrets revealed. For weekly tips join at: Www.Tips2Seniors.com
Diane Masson has worked in senior housing for 17 years and is the regional marketing director for two debt-free Continuing Care Retirement Communities in Southern CA (Freedom Village in Lake Forest and The Village in Hemet). Her first book “Senior Housing Marketing – How to Increase Your Occupancy and Stay Full,” is being utilized by senior housing professionals across the country. Both her first book and second book, “Your Senior Housing Options,” have a 5-star rating on Amazon.com.
Many seniors believe Medicare will take care of everything. It is an unfortunate perception that is inaccurate. Two days ago, I was presenting senior living options to a group of seniors. One senior raised their hand and asked how Medicare fit in the picture of paying for senior housing.
Here was my answer, “You have worked hard your whole life to have Medicare insurance. Most seniors have Medicare, a HMO and supplemental insurance. These will help you pay for doctors, hospital stays and up to 100 days of skilled nursing care (if you have a qualifying hospital stay). Medicare will not pay for any long-term care such as support in an assisted living community, long-term skilled nursing care or memory care. (I know this was a short version of a long answer.)
Many seniors were surprised…here is some info from Medicare:
“At least 70 percent of people over 65 will need long-term care services and support at some point. ‘Medicare and most health insurance plans, including Medicare Supplement Insurance (Medigap) policies, don’t pay for this type of care, sometimes called ‘custodial care.’ Long-term care can be provided at home, in the community, in an assisted living facility, or in a nursing home. It’s important to start planning for long-term care now to maintain your independence and to make sure you get the care you may need, in the setting you want, in the future.” This is a quote from the official Medicare and You 2014 Handbook, page 63.
Have you encountered this misperception that Medicare will pay for long-term care?
Diane Twohy Masson’s new guide book for seniors, “Your Senior Housing Options,” is available on Amazon.com with a 5-star rating. It reveals a proactive approach to navigating the complex maze of senior housing options. It will help you understand the costs and consequences of planning ahead or waiting too long. Learn firsthand tips from someone who is currently advocating for three aging parents.
Among the thousands of seniors she and her teams have assisted in finding the right senior living community, the most difficult case has been helping her own parent. Masson spent two years exploring senior housing options with her mother before finding the ideal Continuing Care Retirement Community for her. After eight years in this independent living setting, she helped her mother transition into an assisted living community. Seven years later, even as a senior housing expert, Masson struggled with the decision to move her mother into a skilled nursing community.
More related articles by Diane can be found at Tips2Seniors.comor like Tips 2 Seniors on Facebook.
As we age, it’s never easy to face the prospect of what to do when we need living assistance. But the reality is that two-thirds of today’s seniors will eventually need long-term care, with 20 percent needing it for longer than five years. If you are a retirement-age baby boomer or senior, don’t wait for a health crisis to occur. You owe it to yourself—and your family—to plan for the future today.
Although we’ve all heard horror stories, great facilities where residents are treated like gold are out there. How do you find them? You have to do your homework, ask the right questions, and look beyond the superficial to find what’s right for you.
With experience as both an industry expert and a loving daughter, Diane Twohy Masson is passionate about helping seniors find the retirement community that fits their price range, lifestyle, and needs. This brand new guidebook offers a proactive approach to navigating the complex maze of senior housing options. It will help you understand the costs and consequences of the various possibilities including home care, independent living, assisted living, group homes, memory care, and skilled nursing care facilities.
Order a copy of this valuable new resource by clicking HERE.
A valuable source of information by someone who works in the trenches. Whether you or a loved one are currently facing challenges, or if you simply want to be prepared for what you may face in the future, this provides the necessary tools. Knowledge is power.
Steve Fairfax, Currently helping my neighbor who has dementia
Diane answers questions most of us have not even thought of but desperately need to know. You will find valuable insight into the later years of life.
Dr. Jim Gwinn, Former President, CRISTA Ministries
As accountants, we can crunch the numbers. But Diane has outlined many issues we would never know, but which clearly need to be considered. This is an important resource in understanding key senior living issues.
Among the thousands of seniors she and her teams have assisted in finding the right senior living community, the most difficult case has been helping her own parent. Masson spent two years exploring senior housing options with her mother before finding the ideal Continuing Care Retirement Community for her. After eight years in this independent living setting, she helped her mother transition into assisted living community. Seven years later, even as a senior housing expert, Masson struggled with the decision to move her mother into a skilled nursing community.
When I brought my mom a Christmas gift from my brother and sister-in-law, she had no recognition on her face as she read the tag. My mom’s vascular dementia is stopping her from connecting her son’s written name with his face. That part of her brain is gone. So what do you do?
Does your mom or dad have dementia? Are they still at home or residing in an assisted living, memory care or skilled nursing community? My mom has had dementia for 12 years and has lived in skilled nursing care for 19 months. She cannot remember anything and only speaks clearly about 30 to 50 percent of the time.
My recommendation is to give a photo of yourself with your gift. Attach your photo directly to the gift. Your parent has a better chance of recognizing you in the photo than knowing who you are by reading a gift tag.
Here are 10 dementia gift ideas:
A soft lap blanket – I gave my mom a small Christmas blanket and it was a homerun. Every time she sees it, she touches it and comments on the softness. My intention was giving a functional gift (keeping her warm) and an easy way for her to recognize the holiday season. It has really worked, because last night she talked about Christmas on her own.
A manicure or hand massage – Hopefully this can be performed by you? It is a way to connect physically, so they can feel your presence and love. My mom loves having her nails done.
A sweater – A nice red sweater or sweatshirt is always a hit. They like to feel the texture of different clothes. It keeps them warm. Their caregiver will dress them in the sweater and then keep reminding them that it is Christmas time. The red color seems to help the mood of the caregiver, which is always a bonus.
Soft socks – If your mom or dad has swollen ankles, normal socks can feel binding. I get those soft stretchy socks you find in airports. They used to be easy for her to put on herself. Now she needs a caregiver to dress her.
A holiday balloon – My mom used to read the paper daily to know the day and the year. Now, I put up seasonal balloons in her room, so she can know it is her birthday, Thanksgiving, Christmas, etc.
A small fake tree with ornaments – If your parent still lives at home, maybe you can decorate for them? If they live in assisted living, memory care or skilled nursing care a tree always feels like home. Many communities cannot legally allow a real tree because of licensing, so be sure to ask.
A ham – If your parent still lives at home, this is an awesome gift. They can heat the ham or eat it cold. They can make numerous meals out of it including sandwiches or with scrambled eggs. Yum!
Bring lunch to them or go out to eat – Everyone gets sick of their own cooking or the community’s cooking. Something different and special is always a hit. The best part is spending time dining with you.
An animated animal – If your parent still lives at home with a pet, then bring a gift for Fido or Fluffy. But if your parent lives in an assisted living, skilled nursing or memory care community a fake moving pet is outstanding. My mom has several fake cats and they completely enamor her, make her smile and laugh out loud. Pets are wonderful.
The very best gift you can give is an hour of your time. Nothing is more important than spending a little quality time together.
Gift giving needs to be adjusted to the level of care and to the severity of your parent’s dementia. Good luck and share your other gift tips in the comment section.
Diane Masson’s new guide book for seniors, “Your Senior Housing Options,” will be will be coming soon to Amazon.com. If you sign up for my weekly newsletter on the right side of this blog, you will be notified when my new book becomes available. Check out my new website: Tips2Seniors.comor please follow me on Facebook.
“Your Senior Housing Options,”is dedicated to my mother, whose stories are peppered throughout. Being her advocate for over ten years has taught me to be a better person. My mom has dementia, but I am truly blessed that she still calls me by name. Her smile and joy inspires me to see the positive side of life. It makes me want to reach out and help seniors and their families make better choices today so they can have more secure long-term care plans tomorrow.
If an aging senior has a new health diagnosis or is getting frail, what might happen in his or her future?
