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Assisted Living Is a Great Environment for Seniors with Severe COPD

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Assisted Living Is a Great Environment for Seniors with Severe COPD

MORNINGSTAR SENIOR LIVING | January 01, 2024
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Health & Wellness, Rooted Blog |
Discover 8 compelling reasons why an assisted living community is a great environment for seniors dealing with severe COPD.

If you or your senior loved one are dealing with the physical and medical challenges of severe chronic obstructive pulmonary disease (COPD), you know they are a lot more serious than the typical aches and pains of growing older.

Difficulty breathing, coughing, and wheezing when trying to do even the simplest things like bathing, getting dressed, or walking to the bathroom can take a lot of the joy out of life. Especially when you’re living on your own.

That is why many seniors with severe COPD are taking charge of their lives by moving to an assisted living community. They’ve discovered it can improve their quality of life and reduce the risk of developing other serious associated health conditions like heart disease and lung cancer. And their numbers are increasing. According to one study, 1 in every 6 people who are admitted to long term care facilities these days have a history of emphysema or COPD.

Getting extra help with daily life activities in assisted living makes a lot of sense. Although a cure has not been found for COPD, it is treatable, especially when living in an assisted living community. With good senior care, most assisted living residents who have the condition find they can control their symptoms, protect their long-term health, and enjoy a better quality of life.

If your or your loved one’s COPD is extremely severe and needs round-the-clock attention, a skilled care facility or hospital might be the best option. However, for seniors who don’t need that intensive level of care and who want to be part of a community, moving to assisted living may be a great strategy to enjoy a lifestyle that offers physical, social, and spiritual fulfillment.

Here are 8 reasons why assisted living is a great environment for seniors with severe COPD:

  1. Supervision – While assisted living communities don’t directly monitor residents around the clock, help is always close by. Many have alarm buttons in their apartments that a senior can activate to alert the staff if they fall or are experiencing a debilitating flare up of COPD symptoms.

  2. Medical Attention – Most assisted living communities have medical professionals on call or an in-house nurse who can quickly step in to deal with a medical emergency. This kind of peace of mind makes it easier for you or a loved one with COPD to relax and enjoy life.

  3. Prescription Drug Management – Seniors with severe COPD are usually on medications that effectively manage their symptoms as long as they take it as directed. Many assisted living communities eliminate worries about keeping up with medications by providing services that ensure you or your senior don’t miss a dose.

  4. Nutrition – If COPD can make someone feel winded by simply getting out of bed, then shopping for groceries and preparing a healthy meal for themselves can seem next to impossible. That can be a problem, since eating a balanced diet that features nutrient-rich meals including fresh fruit and vegetables, lots of healthy fiber, and a minimum of salt is key to managing COPD - Not to mention it can keep you or your senior healthy and strong. Assisted living communities make eating right easy by serving up delicious and nutritious meals 3 times a day as well as providing 24/7 access to healthy snacks.

  5. Personal Assistance – Assisted living communities often provide help with tiresome tasks for seniors with severe COPD, such as bathing, grooming, dressing, housekeeping, and laundry. That means that they can have more energy to spend on the more fulfilling activities these communities offer.

  6. Safe and Healthy Environment – Assisted living communities are specially designed to be easy to navigate. Amenities like dining rooms, entertainment venues, beauty salons, movie theaters and chapels are typically just steps away. Trip and fall hazards have been eliminated. And thanks to regular housekeeping services like vacuuming, dusting, and laundry, airborne particles that can aggravate COPD symptoms are greatly reduced. All things that can help you or your senior breathe easier.

  7. Exercise – Keeping up with an exercise plan prescribed by a physician that targets the lungs and heart can help you or your loved one build strength and better manage COPD symptoms. Assisted living communities often offer a variety of physical activity classes featuring low-impact seated exercises, tai chi, and yoga.

  8. Social Interaction – Struggling to deal with COPD alone can make seniors feel overwhelmed and isolated. Being part of an assisted living community gives residents an easy way to enjoy the many uplifting emotional, psychological, and spiritual benefits that interacting with others brings.

Seniors dealing with the challenges of severe COPD can live longer, healthier, more fulfilling lives when they take advantage of all the services and benefits an assisted living community provides.

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 offering 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.
Click here for original source info.

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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