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5 Facts About
Memory Care Communities

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5 Facts About
Memory Care Communities

MORNINGSTAR SENIOR LIVING | July 15, 2022
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Memory Care, Rooted Blog |
The best way to face the challenges of Alzheimer’s is to educate yourself on the wide range of resources available at memory care communities. Here are 5 important facts you need to know.

When a loved one’s occasional forgetfulness progresses into a more serious stage of memory loss, family members are often faced with making a decision on where and how their senior can continue to enjoy life in a safe, secure, and caring environment.

Most people are familiar with the concept of independent and assisted living communities that enable seniors to enjoy a rich and fulfilling life without many of the cares and responsibilities of living alone at home. Memory care communities take the personal attention and service to another level for those affected by Alzheimer’s and other forms of dementia.

The chances that you or your loved one will experience significant cognitive decline at some point are fairly high. In fact, according to the Alzheimer’s Association, more than 6 million Americans are currently living with Alzheimer's. In the coming years that number is expected to more than double, and current projections put the total at almost 13 million by 2050.

Whether you’re making decisions today or simply want to educate yourself on the subject, here are 5 facts about memory care communities you need to know.


  1. Safety is Paramount – Forgetting where you put your glasses is one thing. But forgetting where you live or who your loved ones are is a completely different level of concern. That is why one of the key features of any memory care environment is security system that ensures there is little chance a memory-impaired person will be able to wander off alone.

    Most communities that care for people experiencing middle and late stages of Alzheimer’s and dementia keep their exterior doors secured 24 hours a day. Entries and exits are typically opened by keypads with secure passcodes. As an added precaution, these doors feature chimes that alert the staff to anyone coming or going.

    Inside, the atmosphere is secure without being overly restrictive. Subtle design elements like simplified floor plans reduce distractions and eliminate fall hazards, allowing residents to safely navigate private and communal living spaces. Soothing colors provide a sense of calm. Many memory care communities feature enclosed courtyards where residents can enjoy the outdoors at liberty.


  2. Specialized Services – As with any kind of assisted living community, memory care provides lifestyle services like housekeeping and laundry. Caregivers help residents with bathing, taking medication and other day-to-day activities. However, because of the special challenges those with memory loss face, there is an added layer of support, especially at mealtime. Residents can make their meal selections from visual menus that make choosing favorite foods easy. They sit in familiar surroundings with fellow residents to provide a sense of ease that is especially comforting.

  3. Stimulating Activities – With a little help, those with memory loss can continue to enjoy the pleasures of social activities and creative pursuits. A schedule of specially designed activities contributes much to helping residents maintain current abilities and make the most of their skills. Listening to music, dancing, painting or drawing, or taking part in brain games can help slow the progression of dementia. An invitation to walk or work in a garden in a safe outdoor environment can fill your loved one’s days with the life-affirming joys.

  4. Consistent Relationship-Based Care – Few things provide as much comfort for memory care residents as familiarity with caregivers. This is why communities typically do everything they can to ensure your loved one works with the same dementia care specialists almost every day. These compassionate, trained professionals will get to know and understand each resident on a personal level, meeting unique needs with a custom approach, and helping them live their best life in their own way.

  5. Compassionate Support Every Step of the Way – Because dementia in all its forms is a degenerative brain disease, it's important to find a memory care community that looks at memory loss as a journey, one with challenges but also new discoveries, strengthened relationships and deeper understanding of the human condition. Finding trusted friends in a memory care community who will embrace and support you along the way can return a sense of peace and even joy.

And while there seems to be a link between stress and Alzheimer’s, don’t worry too much about it. Stress itself doesn’t cause the disease but doing whatever you can to turn it down a notch or two is one strategy you can use now that may help stave off memory problems in the future.

MorningStar Senior Living — Memory Care Community


If your loved one lives far from family and friends, it could be time to move into a memory care 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 senior care and hospitality services that meet each resident’s social, emotional, physical, and spiritual needs.


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COMPANION LIVING

MorningStar offers Companion Living in all of our communities, where two unrelated people of the same sex share a suite, whether in independent living, assisted living or memory care.

Not only does this living arrangement enhance life by its camaraderie, it also extends savings.

REVERSE MORTGAGE

When one partner needs assisted living, and the other partner chooses to remain living in a private home, a reverse mortgage may be a good solution to help pay for increased expenses. Without affecting Medicare or Social Security benefits, reverse mortgages allow a homeowner to stay in the home and withdraw from the equity that the couple has built. Mortgage holders get tax-free cash flow as a loan against that equity, a loan that doesn’t need to be repaid until the house is sold or the owner moves out or dies.

Be sure to vet lenders and their terms thoroughly before making any decision. If you would like to be connected to a trusted, licensed reverse mortgage partner, call 888.228.4500.

SELLING THE HOME

The equity built up in a private home is typically a retiree’s largest asset, making the proceeds from selling extremely helpful when transitioning to a senior community. However, selling a home in a timely manner can be challenging and time-consuming. This is especially true when adult children are not living near to assist.

Many families find it helpful to work with a Real Estate Professional experienced with all aspects of selling a senior’s home. From packing and cleaning to listing and selling, ElderLife’s agents are ready to assist with the entire process to simplify a senior transition. To be connected with a local agent, call 888.228.4500.

SOCIAL SECURITY

Approach Social Security (SS) benefits tactically. Historically, it was wise to take SS benefits early and invest them. Today, that’s not necessarily so. Maximized benefits may best be found through delayed retirement credits. Depending on your birth year, benefits increase by 3-8% annually. If you wait until age 70 to collect, that monthly check could increase by 25% or more. And a surviving spouse receives the entirety of that benefit upon the worker’s death, making delayed retirement credits even more valuable. Study the new rules to choose your best course.
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MEDICARE

Think of Medicare as health insurance for those 65 years and older, regardless of income. While Medicare never pays for assisted living, it is designed to help fund certain postacute expenses in the first 100 days, namely hospitalization and rehab, as long as the person’s health is improving.
Once you’ve plateaued, Medicare stops paying.

Benefits may be available for home health care, but only if certain conditions are met. Medicare Part A covers hospice (palliative care) for the actively dying, regardless of income, including in a senior living community. Click here for original source info.

In contrast, Medicaid is a federal government program that subsidizes the medical expenses (including certain health services and nursing home care) for low income people of all ages. MorningStar does not accept Medicaid. Click here for more information.

LEVERAGE LIFE INSURANCE POLICIES

Whole life and universal life policies build a reserve of cash through interest-earning excess premiums (known as the policy’s “cash value”). In some situations, life insurance can be a source of ready funds through cash surrender, death benefit loans, accelerating death benefits, life (or viatical) settlements, or even selling the policy on the open market for immediate cash.

Before acting on any of these methods, consult a financial advisor, as there may be tax consequences. Life Care Funding can also help you determine whether a policy can be converted. Click Here

TAX BENEFITS

The IRS allows certain deductions on a federal tax return for the cost of housing and meals of those receiving long-term care in a senior community due to chronic illness or the inability to live alone.

Assisted living residents may qualify for these deductions if a physician certifies that they have been unable to perform at least two activities of daily living (such as eating, bathing or dressing) without assistance for at least 90 days. The same deductions can apply to those who require substantial supervision due to memory impairment.

An adult child paying for a parent’s care may also qualify for the tax deductions, if the child can claim the parent as a dependent. Consult a tax advisor for further information or visit the Internal Revenue Service (IRS) Click Here.

LONG-TERM CARE INSURANCE

Long-term care insurance helps pay for senior care and protect personal assets by covering expenses up to the amounts set forth in the policy. LTC insurance pays for a variety of services in senior communities, and can offer care options that may not be covered through the federal subsidies of Medicare and Medicaid (see below section).

LTC policies can be complex and it may be difficult to understand and activate your policy. If you have questions about your Long-term Care policy, call 888.228.4500 to be connected with an expert for a free policy review.

BRIDGE LOANS

It’s not uncommon for families to be short on funds when transitioning a loved one into a senior community. The ElderLife Bridge Loan allows you to pay for rent and care in the short term while waiting for other funds to come in. Common financial shortfalls include the time that it takes to list and sell a home, or the waiting period before receiving VA Benefits.

The Bridge Loan is designed like a line of credit, bridging the financial shortfall for up to 12 months. The loan is unsecured (no collateral needed) and approved quickly with no penalty for early payoff and affordable interest payments as low as $8 per $1000 borrowed.

To learn more about the ElderLife Bridge Loan, call 888.228.4500 or Click Here.

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