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Purposeful Living at
MorningStar Senior Living

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Purposeful Living at
MorningStar Senior Living

MORNINGSTAR SENIOR LIVING | August 23, 2024
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Relationships/Socialization, Rooted Blog |
Why Purposeful Living is Essential and What MorningStar Does to Encourage It

At MorningStar Senior Living, we know that purposeful living is vital for a happy and fulfilling life. Our commitment to this truth drives us to understand the passions and experiences of our residents, and to help them live into their unique gifts and skills.

Meaningful Engagement vs. Purposeful Engagement

Moriah Bernhardt, VP of Life Enrichment, speaks to the distinction between meaningful versus purposeful ways to engage with the world.

“Meaningful living is more about being, and how we feel about an experience, someone or something. Whereas Purpose is what I would call an action word. It's centered more about how we act toward something. Purpose implies goals, movement and direction. When it comes to adopting an active, gratifying lifestyle, we need to nurture both."

Honor God, Value Seniors, Invest Generously

Fostering Purposeful Living

It’s no surprise to see growing evidence that having a continuing sense of purpose is linked to better health and well-being in older adults.

In our younger years, self-fulfillment and self-esteem often come from our work, so what happens when we retire from formal jobs? How does one find purpose and fulfillment without the structure of a workday?

Moriah reflects on this challenge: "Some are eager to pursue their lifelong dreams, learn new skills, and spend quality time with the ones they cherish most. Others may struggle to again find purpose in their activities and relationships.

“At MorningStar Senior Living, we focus on engagement opportunities beyond keeping people busy. It's about feeling productive, connected and valued; it's about continuing to be an invested member of society. Which speaks directly to the second pillar of the MorningStar mission: ‘To value all seniors as gifted and contributing individuals.’

“Instead of only asking what you enjoyed doing in the past, we ask our residents what they would like to become. How would you like to share your gifts with us? Then we work together to put those gifts into motion."

Rachel Gartrell, Life Enrichment Coordinator at MorningStar at Jordan, describes our approach with new residents: “What’s invaluable is the To Know Me is To Love Me questionnaire residents complete when they enter our community. It gives incredible insight as to the people they were and are, what matters to them most, the things that light their spirit. Part of that understanding also comes from our initial conversations and engagement when they first move in. My goal is to find at least one thing I know each person will enjoy and make it a regular posting on our calendar.”

Purpose in Action: Resident and Team Member Stories

Purposeful living is central to MorningStar's wellness philosophy and programming. This approach benefits not only residents but team members, who are more likely to stay in a job if they find it purposeful and meaningful.

Al, a beloved resident of MorningStar at Mountain Shadows illustrates the power of purposeful living. A proud veteran who loved serving his country, Al now finds joy in serving fellow residents at a monthly Al’s Cooking Show. “When I see them smiling and eating the recipes I come up with, it is priceless. Money can’t buy that!"

Blaine Santa Monica, Director of Hospitality at MorningStar at Holly Park, stresses the importance of purposeful interactions: "I like to talk with our team and residents daily and ask, 'How are you doing?' When it comes to younger team members, I'll ask what they want to do with their lives and encourage them in future ambitions. I ask residents, 'What's on the agenda today?' That gets them thinking about classes and activities they want to participate in. Some will want to lead an activity based on their passion, like Faye, who plays Bridge."

Purposeful Living in Memory Care

In MorningStar's Memory Care neighborhoods we focus on creating an environment where residents feel helpful and have a sense of control over their routines. This might involve them in with routine domestic activities around the community like taking out the trash, setting the dining tables, cooking and baking with our assistance, or tending the garden.

Tapping the Passion Within

At MorningStar Senior Living, we strive to tap each resident’s sense of purpose.

As Moriah explains: "We aren’t the ones to create a sense of purpose for the residents. Rather, we get to know each person, understand what is meaningful and purposeful in their individual hearts and minds. Then help them connect those priorities with opportunities in the community."

Understanding and supporting resident passions and interests is how we create a vibrant and fulfilling community at MorningStar Senior Living.

Interested in learning more about how MorningStar team members and residents impact the world for good? From volunteering with local nonprofits, to raising funds for the poor and most vulnerable around the world, MorningStar Senior Living is full of servant-hearts looking for ways to shine our light and make a difference in lives near and far. Curious? Learn how you or your loved one can be a part of it today.

Hebrews 10:24





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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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