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Coronavirus News

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COVID-19
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To Serve and To Protect


Even with widespread vaccination across our nation, vigilance remains the watchword as we move out of the worst of the pandemic.

For our seniors’ sake, MorningStar continues its coordinated defense across every aspect of our operations, including the “Triple Crown”: hand hygiene, masks (where required), six-foot distance. We remain diligent in matters of infection control, taking all necessary precautions incumbent upon us as healthcare professionals.

With the advent of multiple variants in the virus, we have seen the return of tightened regulations for some states and increased freedoms for others. As a now well-established procedural standard, we keep abreast of each state's phasing and pacing, sharing details directly with residents and family members. For the most accurate local information, call the MorningStar community of interest to you.

In states where vaccine mandates for healthcare workers are being issued: By the strict and clear parameters of our operating license, MorningStar has followed and will continue to follow specific State orders—including any vaccine mandates for team members. However, as it is imperative that we respect freedom of choice for our team, MorningStar will accommodate any who choose to submit a medical or religious exemption in States that mandate the vaccine.

With release of the bivalent COVID-19 vaccine (also referred to as “updated” COVID-19 vaccine booster dose), we continue to offer booster clinics at each community, made available to residents and team members who choose receive them. The bivalent COVID-19 vaccine includes both a component of the original virus strain and a component of the omicron variant to provide broad protection against COVID-19.

For your superb patience through the prolonged impositions of COVID-19—and for your surpassing trust in us throughout—we humbly thank you. It is our distinct pleasure to serve.

Warmly,

Alexis Martini
Chief Operating Officer
MorningStar Senior Living



IN DEFENSE OF YOUR HEALTH

The Sharpest Weapon Against an Invisible Enemy:

ELECTROSTATIC
DISINFECTANT

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AFFIRMING PRAISE FROM FAMILIES

  • "I think the protocol at MorningStar for family communication during COVID is exactly what we need! With the inability (in some states) to physically visit…they have made it possible to communicate with employees at any time to check on your loved one. I am happy with the generosity that employees demonstrate when I call them directly! This is a reasonable and refreshing means to stay informed."
  • "My appreciation for everyone at MorningStar has not diminished in any way! According to Mom’s reports, everyone is doing an amazing job of protecting and caring for the residents. "
  • "Please know we are so very thankful, the precautions you are taking, the sacrifices you are making, and the fact that you continue to do it with such kind, servant hearts…we are praying for you all!"
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 The Fair Housing Act protects people from adverse treatment in any housing transaction based upon seven protected classes: race, color, religion, sex, disability, familial status and national origin. In good faith, MorningStar engages in the interactive process to address reasonable accommodations.  If you have a physical or cognitive disability that requires reasonable accommodations or modifications, in good faith, MorningStar engages in the interactive process to address reasonable accommodations.
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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 877.664.1710 or Click Here.

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 877.664.1710.

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 877.664.1710 to be connected with an expert for a free policy review.

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 877.664.1710.

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.

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.

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