3 Important Questions to Ask Before Choosing a Senior
As you or your loved one plan for retirement, few things are more important than choosing a place to spend what can truly be golden years. Your choices of senior living communities may be broad, but not all are created equal. To select the one best for you, there are 3 important questions to ask before choosing a senior living community.
What level of care and services do you need?
Maybe you just want to leave the hassles of home maintenance behind and are looking for the chance to pursue your hobbies, make new friends, and continue to be engaged and active. Or perhaps your health has altered to the point where you need some help with getting dressed, showering or dining assistance. Your family may be navigating the challenges of Alzheimer’s where a loved one requires more security and intensive care. Here are three of the most common options in senior living:
- Independent Living – Here you’ll find fully-equipped private apartments, accompanied with social and enrichment activities geared toward active seniors. These communities have staff onsite 24/7 for security and emergency situations, but they don’t provide caregivers to attend to daily personal needs.
Assisted Living – These communities provide private personal living space, engaging activities and communal dining. They have around-the-clock caregivers who help with daily needs to the personalized degree of each resident.
Memory Care – Catering to the unique needs of seniors living with dementia, these communities offer enhanced security, thoughtful environmental features, and highly trained team members who provide round-the-clock care.
How do you want to spend your time?
Once you’re freed from the care of home maintenance, you’ll have a lot more free time for the things you most enjoy. Many communities offer programming that features an array of fun and interesting options.
Want to stay active? Join group exercise, tai-chi, walking club or water aerobics to stay limber and improve your balance as you socialize. If you prefer mental stimulation, look for programs that offer book clubs, visiting speakers, continuing education, or life story projects that focus on curating treasured photos and mementos. If music makes your heart sing, seek out a community that brings in local artists for live performances, music therapy, or even has an “in-house” band made up of talented residents. Other options include art classes, pet therapy, field trips, gardening clubs and more.
What is your budget?
If you’re concerned about covering the cost of senior care, be encouraged by the wide variety of financial resources that can supplement retirement savings and social security. Veterans can take advantage of the “Aid and Attendance” Pension. Whole and universal life insurance policy may have a “cash value” you can draw on. The sale of your home, a reverse mortgage, and long-term care insurance can also help. There are a lot of creative options you might not have thought about so be sure to inquire about what’s available. MorningStar’s partnership with Elderlife as a “Financial Concierge” have the very expertise to help. Ask us how we can introduce you to an Elderlife agent for free counseling.
Having the answers to these important questions will give you the kind of peace of mind you need to make the right decision and focus on enjoying life in your new community.
MorningStar Senior Living — Assisted Living Community
If your loved one lives far from family and friends, it could be time to move into an assisted living community near their adult children where they’ll have the companionship of fellow seniors and a compassionate service team. At MorningStar Senior Living, a 24/7 team is dedicated to offer care and hospitality services that meet each resident’s social, emotional, physical, and spiritual needs.