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FAQs

Find a MorningStar

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   FREQUENTLY ASKED, EASILY ANSWERED

UNIQUELY MORNINGSTAR

What makes MorningStar different?

In service to our amazing seniors—the heroes of our society—MorningStar has resolved to stay true to foundational truths rooted in Judeo-Christian ethics. We call them our Hallmarks. First is our allegiance to Mission. In everything we do at MorningStar, we are grounded and guided by our mission. It’s our moral compass: honor God, value all seniors, invest generously (read more on our website’s home page).

To deliver on our brand promises, it’s not enough to follow a mission rooted in heart. Radiance, which describes the culture of MorningStar, gives us a framework through which we nurture and empower our team to be People of Excellence with Servant’s Hearts.
We start by hiring for heart. If our residents are the heroes, our team members are the heartbeat of MorningStar. We say it well on our recruiting card: You can’t teach Nice. So we hire Nice. Downright nice people with Great Hearts and Radiant Spirits.

Everyone on the team, regardless of role, takes a full day of culture training, a class we call Radiance. Then daily we remind each other of our 12 Service Values, and how we are as much about hospitality as about healthcare.

In offering tender service to the memory-impaired, we train and model the precepts of Lavender Sky, our thoughtfully considered philosophy and approach to dementia care. Ask us more about these brand standards.

At MorningStar, we take tremendous pride in creating an environment where excellence can flourish. Our days are busy in serving others. But the way in which we conduct our work defines who we are as a brand. We are about taking the time to be radically relational—building warm, genuine connections, team member to team member, and team member to resident.

We also want to be known as a company that serves our fellow men as we contribute to a more noble world. For this reason we established a MorningStar Foundation with the intention of leaving a legacy of benevolence in honor of our God through global philanthropy, local volunteerism and abiding support of the Alzheimer’s Association. MorningStar has made an abiding commitment to support an orphanage in Nicaragua and the drilling of water wells in Africa.

MorningStar offers what variety of senior living options?

MorningStar communities offer a mix of Independent Living, Assisted Living and/or Memory Care; see each web profile for specifics. Certain of our campuses also include free-standing casitas or cottages for Independent Living. Accommodations are nearly as varied as the residents we serve, with a wide selection of private suites in a range of square footages—from an economical studio to a sprawling two-bedroom. We also offer companion living for those residents who seek shared accommodations for its social and economic benefits.

What does the tour process look like?

In a word: customized. That is, we want to show you what you want to see, not what we think you should see. Each of our communities is unique in its architecture, features and facets. A virtual tour on our website offers you a preliminary look. From there, if preferred, we can video chat to enable a more personal look-about. But once you’re in our midst, under our roof, we welcome the opportunity to point out the tangibles and intangibles that hold the most appeal for you, and speak best to your needs and expectations. This starts with a relaxed conversation through which we get acquainted. Our role is that of Listener, helping to untangle life events, and crystallize thoughts and plans. We look forward to initiating that kind of trusted relationship.

What is MorningStar’s approach specific to dementia care?

Every day seniors and their families come to us feeling lost, swirling with emotions from a bleak prognosis, whether Alzheimer’s or some other form of dementia. In such a season, MorningStar is called to take up the rewarding work of helping families find a place of peace and purpose.

Lavender Sky is our signature approach to dementia care. It is our studied approach to everything we believe and strive for in service to our memory-impaired residents. Our ambition under a Lavender Sky is to Enter, Embrace and Explore, focusing us on the inherent and precious value of each resident.

Key standards include: Dementia training for all team members; Weekly in-service for dementia care team; Monthly elopement drills; Leaders certified by National Council of Certified Dementia Practitioners; Whole-home integration of memory care residents with the activities and life of entire community, Family orientation & support resources; Resident’s social history used for personalized care and programming; Aromatherapy and holistic modalities; Culinary excellence and BrainWise foods; Purposeful life skill opportunities; Eased transition steps from Assisted Living to Memory Care.

UNDERSTANDING SENIOR LIVING

Is there an age requirement for becoming a resident of MorningStar?

In our Independent Living, Assisted Living and Memory Care suites and in our Independent Living cottages/casitas, you must be at least 55 years old.

What is Independent Senior Living?

Independent Living is a lifestyle choice within a senior community offering amenities such as meals, maintenance-free housing, entertainment and transportation as part of active retirement. Independent Living can be the only option in a given community or one of several lifestyle neighborhoods under one roof. Such a setting encourages seniors to maintain their independence as they stay engaged, maintain physical and social well-being and eat a balanced diet.

If I don’t need any assistance, why should I consider Community Life as a senior?

It is common for residents to move into one of our communities without needing any kind of assistance whatsoever. Rather, these men and women seek a refreshing change of lifestyle with built-in companionship, predictable budgeting, activities and programming, and tasty meals they no longer need to cook. Under our roof, seniors enjoy stress-free living, a season that extends their independence given the nearness of care, if ever needed.

What happens if I live in Independent Living and my needs increase? Can I transfer to Assisted Living? Is there a transfer fee?

That’s part of the advantage of having more than one neighborhood under our roof. Of course, a resident can transfer to Assisted Living or Memory Care, depending on the availability of the desired suite. If there is any delay, you are welcome to bring in a home care agency in the interim. If the transfer is due to financial or medical necessity, we do not charge.

How do I move a parent with dementia to Assisted Living?

Dementia is an umbrella terms for many forms of brain disease, only one of which is Alzheimer’s. Each type of dementia manifests differently in each person and at various stages. Ask us for a copy of the 10 Signs of Alzheimer’s. If you suspect mental decline, consult your family physician as only he/she can authorize the need for a secure environment (if wandering and exit-seeking is a foreseen risk).

If a senior is already in a senior community offering secure memory care, the staff, knowing the resident so well, can offer a great deal of insight in to the mental decline, ultimately helping to make the lifestyle transition happen internally.

If the senior is in a private residence, a licensed nurse can conduct an initial medical assessment and cognitive evaluation. We would be happy to provide one at no cost to determine the particular needs of a senior.

How do I move a parent to Assisted Living?

While many pathways are open to you in securing the necessary care for your parent, a great first step is to ask us for a copy of our Senior Life guide (How to have the best conversation ever with an elder parent about aging, life and legacy.) Call us today for your free copy.

How do I introduce the idea of Assisted Living to my loved one?

Again, see our Decision Guide for an answer to that question and many more related to healthy conversations as we age.

Do I qualify for Assisted Living?

Our Community Relations team has the knowledge and resources to walk you through the qualification criteria, both financially and medically. A licensed nurse can ascertain the appropriateness for Assisted Living through a medical assessment. We would be happy to provide one at no cost to determine the particular needs of a senior. Call us today.

When is it time for Assisted Living?

Please see our Decision Guide for a full answer to this important question.

What agency regulates Assisted Living facilities?

Licensed Assisted Living Facilities are regulated by the individual states. Rules and regulations can look somewhat different, state over state. Call us for help in better understanding the state of greatest interest to you.

Who regulates Memory Care facilities?

Licensed Assisted Living Facilities offering secure memory care are regulated by the individual states. Rules and regulations can look somewhat different, state over state. Call us for help in better understanding the state of greatest interest to you.

Explain your Resident Rights policy as it relates to choice.

Important among the assurances denoted among Resident Rights is the right to refuse participation in any activity or program. We will do all we can to encourage participation, knowing the joys of Community Life and the friendships they engender. But we also respect a resident’s right to choose.

What is the difference between Assisted Living vs Skilled Nursing?

Skilled Nursing Facilities (SNF) had their beginnings decades ago as “nursing homes,” in a time when there were few other options for senior care. Today SNFs are generally more focused on short-term rehab over long-term care, dedicating more of their space and resources to post-hospitalization rehab. Their staff are typically RNs and CNAs, serving residents in fragile and declining health. High acuity is common (hoyer lift, feeding tubes and other complicated levels of care), giving those facilities more of a clinical atmosphere.

Whereas most Assisted Living Facilities (ALF) are principally designed to assist residents with 62 years and older the activities of daily living (ADLs) in a residential setting. Life enrichment and hospitality services are as much a part of the day as health care; when coupled with third-party providers, ALFs can ably serve residents through end-of-life. Residents and their families gain peace of mind knowing trained care managers are there to help navigate changes in health. Some Assisted Living communities also offer a secure neighborhood for the memory-impaired (those with Alzheimer’s and other forms of dementia).

Do you offer 24-hour nursing?

MorningStar communities are not licensed as Skilled Nursing Facilities. Rather we have made the business decision to operate only as an Assisted Living facility. Were we licensed for skilled nursing, we would have to abide by a more stringent set of regulations which would limit resident choice and restrict many (by their preexisting condition) from living with us.

However, every MorningStar community has at least one full-time licensed nurse available for clinical concerns 24/7. Please see our Care Services page for a description of how widely we can serve under our Assisted Living license through the additional support of third-party providers.

What is Respite Care?

Based on availability, seniors are welcomed into our homes to convalesce after surgery or to reside while their regular caregiver is on vacation or otherwise indisposed. Fully furnished suite; minimum of 14-30 days (community depending). Respite stays are also a wonderful way to “take senior living—and MorningStar—out for a spin,” and explore what life is like under our roof. Of course, we hope you’ll settle right in and make the arrangement permanent.

Do you offer a Trial (short-term) Stay?

Yes, based on availability. We encourage you to try any of our neighborhoods for just a week or a full settled-in month. Within Independent Living especially, you can consider it a Retreat Stay, wherein you sample a life free from cooking and household chores, and a bustling calendar of activities. New friends and adventures are just outside your door.

What’s Companion Living?

MorningStar is pleased to offer Companion Living where two unrelated people of the same sex share a suite, whether in Independent Living, Assisted Living or Memory Care. The attending benefits of such a living arrangement, including cost effectiveness, are fully explained on our Companion Living page.

Can a couple live together in Assisted Living?

Of course! Couples can live together in their own suites, surrounded by their own treasured possessions. Alternatively, suites can be shared by friends who simply enjoy one another’s company.

CARE SERVICES AND STAFFING

What kind of training does MorningStar staff receive?

Every team member, regardless of role, completes three foundational one-day training as part of joining the MorningStar family: O2 (onboarding and orientation), a general introduction to the various aspects of our operations and culture; for most roles is includes three-day shadowing; Radiance (our culture and customer service initiative); and Lavender Sky (our dementia care philosophy and approach to programming). Some states in which we operate require care managers to be certified in both CPR and First Aid; of course, we comply. Continuing education is conducted regularly through in-services and online video training. Our Med Tech (QMAPs) are additionally trained in medication administration.

What is your ratio of care staff to residents?

To ensure that you are not paying for services you do not need, we staff in accordance with the level of care (acuity) of our given population of residents. As residents’ individual needs change, so changes the number of care managers on the floor.

How is my level of care determined?

As part of your move-in process, our Wellness Director will assess your current health, and review your medical history to ascertain how we can best meet your needs. At that time, we will also learn your preferences, as well as normal routines, so as to develop a care plan customized to you, a plan that is regularly re-evaluated to coincide with your changing needs.

What if my healthcare needs are temporarily heightened while in Independent Living?

Absolutely. And we can assist you with these arrangements. Our license does not permit us to extend care ourselves to anyone living in Independent Living.

Define “Directed Level of Care.”

“Directed level of care” is a type of Assisted Living license that permits us to care for residents who, due to compromised cognitive ability, cannot recognize danger and, therefore, cannot respond appropriately and/or cannot express their needs. MorningStar carries this type of license, enabling our trained staff to care for the memory-impaired within a secure environment.

Do you have a medication management program?

Yes, included in all our Care Levels is Medication Management which includes the ordering and supervised administration of your prescriptions and OTC medications. We also offer Medication Management only.

Can you help me find a doctor?

Certainly, be it a primary care physician or a specialty health care provider, such as an Occupational Therapist or Physical Therapist. Our communities also have rounding physicians, though our residents are not obligated to use them.

What is end-of-life care?

Unless a resident has a need requiring round-the-clock nursing (including the management of acute pain), MorningStar is honored, with the partnership of a hospice agency, to care for a resident through end-of-life.

What is hospice and do you provide it?

Hospice services offer palliative care and end-of-life care through advanced medical interventions, grief and comfort counseling, and durable medical equipment supplies. While we do not directly offer these tender specialty services, every MorningStar community is in vetted partnership with the best local hospice agencies in our area. In most situations, hospice care is covered by Medicare.

How does MorningStar communicate with families in the care of their loved ones?

On moving in a new resident, we ask the family/POA their preferred mode of communication. We host Service Plan Conferences with the resident and family/POA before move-in, after the first 30 days, then annually for Assisted Living and semi-annually for Memory Care (depending on state regulations). If a resident were to fall, we call the family/POA. If there is a change in condition, we quickly set up a Service Plan Conference, wanting to immediately address new strategies for care. We pride ourselves on transparent and timely communication and an Open Door policy.

Describe the Resident Service Plan and its degree of personalization.

Our priority is resident-centered care, personalized to meet unique needs while encouraging independence. A resident’s Service Plan is routinely updated to reflect wellness status with strategies to address changing conditions. Such plans include medication management, health status monitoring, dietary support, onsite therapy, and care coordination of third-party providers. Our full-time licensed nurses enhance onsite clinical knowledge, improving health outcomes.

What does it mean to “age in place” in a MorningStar community?

Once you are a part of the MorningStar family, we want your loved one to stay with us as long as possible. Given the scope of our assisted living license, along with ancillary services, we do our best to keep our residents in their home at MorningStar. From independent living to assisted living, from no care to basic care through enhanced Alzheimer’s support, MorningStar’s continuum of professional services allow residents to extend their stay.

AMENITIES & HOSPITALITY

What about transportation services?

We have scheduled transportation every week for those needing a ride to a medical appointments, with two vehicles to serve you, both of which can accommodate a walker or wheelchair. You will be able to schedule your transportation needs through our Wellness team or Life Enrichment Director. We are also provide transportation to organized activities and cultural events at no charge.

How does your dining program work?

We offer three hot meals a day, served restaurant-style in Assisted Living and Memory Care (sometimes family-style in Memory Care), prepared by Executive Chefs. In Independent Living, different dining plan options are offered. Our menu changes daily in keeping with the season, and includes “Anytime Fare” and items denoted as BrainWise, Gluten Free, Sugar Free, No Sugar Added and HomeGrown. Meals are served by our trained dining team, ensuring your experience is prompt, courteous and reflective of the beautiful surroundings you are in. We also have private dining for intimate gatherings with loved ones. You will also find a 24-hour bistro, where residents can grab a snack or beverage any day, any time.

Is there a salon onsite?

Yes. MorningStar uses fully licensed and talented cosmetologists. Typically the Salon is open two to three days a week or as needed. It is a full service Salon, including hair and nail services. We will cater to your need and schedule whenever possible.

Can visitors stay overnight?

Some MorningStar communities offer to family and friends Guest Suites (resident suites not currently rented) for a nominal overnight fee. Ask the Executive Director of a community for specifics.

Can you have pets in Assisted Living?

Absolutely. We are pet friendly, recognizing the tremendous ministry animals are to all of us. Some communities have a weight limit on pets, and we do need to assess an animal’s appropriateness for our community on a case-by-case basis. There are also some restrictions on breeds. We require a one-time, nonrefundable pet fee.

What hospitality services are included with monthly rent?

Month-to-month rent includes restaurant-style meals, laundry and linen services, housekeeping, interior and exterior maintenance, Concierge services, and scheduled transportation together a variety of common spaces and amenities shared by the entire community. The frequency of these, and other hospitality services, is dependent somewhat on the lifestyle neighborhood.

LIFE ENRICHMENT

Tell me about Life Enrichment programming and activities at MorningStar.

We proudly go above and beyond what most senior living communities in terms of Life Enrichment. The programs and activities we host daily represent the quality and quantity of choices our residents expect, from intellectual to social, physical to spiritual, whether under our roof or about town. These offerings include (and encourage) resident-led activities and groups. We make a point of surveying residents on what more and different they want to see in Life Enrichment, reflective of resident interests and preferences. We host outings weekly, whether retail, cultural or entertainment in nature, as well as destinations that further the camaraderie of specialty groups like veterans, men’s club, etc.

What about the spiritual needs of residents?

True wellness is multi-dimensional, including spiritual well-being. As a company with Judeo-Christian roots, MorningStar emphasizes opportunities for spiritual health in our communities.

Our name is lifted from Revelation 22:16, a verse in the Bible where Jesus Christ gives Himself the name “MorningStar.” Whatever a person may personally think of Jesus, it is our hope that the name is at least equated with selfless service and empathy toward others, a name synonymous with power and peace, a name rooted in love. From this we draw our deepest motivation to serve well.

At the same time, we honor all faiths among our team, residents and their families. Spirituality is not a qualifier or disqualifier for becoming a resident. It is our responsibility to honor individual spiritual preferences as part of caring for the whole person. No one is ever compelled to participate in a Christian activity that may be offered (prayer, Bible study, Catholic and Protestant worship service, etc.). Personal freedom at MorningStar is inviolate. By this, we see our communities as ecumenical, representing and respecting a number of spiritual belief systems.

Love, Respect, Honesty, Fairness, Goodness, Kindness: these are the core values that we are aspiring to and nurturing. These are the ways by which we want to do business, and offer care, and build Family for Life. These are the virtues we want evident in our homes. This is the kind of culture we want to create for our team.

PRICING AND AFFORDABILITY

Is the cost of Independent Living, Assisted Living or Memory Care tax deductible?

Consult a tax advisor for further information or visit the Internal Revenue Service (IRS) Click Here.

How are prices structured within your communities?

We offer apartment suites (studio, one-bedroom and two-bedroom in a variety of sizes). Their monthly rental fee is based on square footage, location within the building and views.

For those in Assisted Living or Memory Care, we offer several levels of care, identified through a thorough assessment with our Wellness Director (Licensed Nurse). See the specifics by meeting with our Director of Community Relations.

What is a Community Fee?

This modest one-time fee covers the administrative aspects of your move-in and helps us refurbish the suite after you have vacated the space.

Am I contractually bound to stay at MorningStar?

No. You may move out at any time with a 30-day notice in Assisted Living and Memory Care, and a 60-day notice in Independent Living.

Can I pay my bill with a credit card?

You certainly can through our Rent Café, accessed through our website:  MorningStarSeniorLiving.com.  Speak with our Business Office Manager to make that arrangement.  Please note, a 2-4% processing fee is levied through that option.

Does VA pay for Assisted Living?

Please see a full explanation of these generous benefits on our Veterans page

Does Medicare pay for Assisted Living and Memory Care?

No. But while Medicare never pays for Assisted Living, it will pay for rehab as long as the person’s health is improving. When you’ve plateaued, Medicare stops paying. In other words, Medicare covers only those situations where progress is being made, and where healing and recovery can be marked. It does not, and never has, included coverage for senior living communities.

Medicare is a federal government program  for those 65 years and old (and for certain ill or disabled persons), regardless of income, designed to help them fund certain health-related expenses, namely hospitalization and rehab. Benefits may be available for home health care, but only if certain conditions are met. Medicare may pay for up to 100 days of care in a skilled nursing facility per benefit period (100% for the first 20 days) after a three-day hospital stay, if skilled care is needed. For days 21–100, Medicare requires a co-payment. To help cover the co-payment, many seniors have a Medicare supplemental insurance policy. In general, once Medicare stops paying for care, the supplemental payment also will end.

Medicare Part A covers hospice, regardless of income, including within a senior living community.

In contrast, most Long-term Care Insurance policies do cover Assisted Living rent and care. Check with your insurance carrier for coverage options, or ask us for advice about your particular policy. See our Affordability page.

Does Medicaid pay for Assisted Living and Memory Care?

While MorningStar does not accept Medicaid nor any derivative programs (like ALTCS in Arizona), there are some senior communities that do. 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. Medicaid may also pay for some long-term care services at home and in a senior community. Medicaid sets limitations on the amount of assets you may own and the amount of income you may receive each month before you are eligible for benefits. Who is eligible and what services are covered vary from state to state. There also are restrictions on transferring assets to others to qualify for Medicaid.

Does Medicare cover Respite Care?

Medicare does not cover nor reimburse any type of stay in licensed Assisted Living facilities, even short-term. Medicare coverage does include short-term stays at rehab centers, skilled nursing facilities and hospitals.

MOVE-IN PROCESS

What does a typical move-in process look like?

Each move is unique to the new resident. But appreciating that moving into a retirement community is a major lifestyle transition, MorningStar approaches the move-in with great sensitivity, sincerely hoping to nurture a relationship from the start that reinforces the positive aspects of community life and the new adventure made possible.

Once your family decides upon MorningStar, a deposit secures your chosen suite, of which you take possession ideally within 10 days. Taking financial possession early makes the physical move far easier for all concerned, particularly the senior. Our “House to Home” process begins in earnest with securing the vital information, agreements and permissions inherent to the move including a medical assessment and physician’s plan of care (if for Assisted Living and Memory Care). Some of this paperwork is tied to state regulations depending on the lifestyle neighborhood. We offer packing tips in selecting what’s most important to bring. We recommend to you moving companies experienced in senior transitions. The key, as with any significant undertaking, is communication. We’re ready.

Do you provide furnished apartments?

We do not provide furnished apartments—with the exception of fully furnished respite suites for short-term stays (under 30 days). Bringing in a senior’s own treasured possessions is the quickest way to make any space personal and homey when combined with the best placement of basic furniture pieces: Bed, nightstand, lamp, easy chair, snack table/chair, bookshelf, dresser, TV/stand. We offer handy packing lists to aid the process and floor plans with dimensions. The few items not permitted for safety reasons are included on these packing lists.

Do you move my loved one’s furniture for us?

You will want to engage a professional mover to help transport furniture and belongings safely and efficiently (without injuring your own back!). Ask us for recommendations on companies we trust with resident moves. Our community has furniture carts and dollies to borrow, if needed.

Do I need a designated POA to move my loved one into Assisted Living?

No. But seniors are encouraged to name a POA (Power of Attorney) in advanced age given their increasing fragility of health. Formal POA status endows a designated agent to represent or act on another’s behalf in private or business affairs, whether legal or financial. If the designation is Durable POA, that authority stays in effect if the grantor becomes incapacitated. A medical POA has specific authority over the grantor’s medical affairs.

However, a POA cannot override the choices or force the decision of any senior deemed of sound mind. And POA authority dissolves upon the grantor’s death.

In contrast, a Guardian designation is of broader authority. Whether temporary due to emergency conditions or permanent, Guardianship is a court-appointed role wherein a person’s rights are transferred to that of the Guardian.

Families are well-advised to seek the professional advice of an attorney to fully understand these important designations and their appropriate applications.

How often and how soon should I visit after my loved one moves to a senior community?

An excellent question which many family members don’t fully consider. Hovering too near, too often and too soon will slow a healthy transition, and hinder the formation of new relationships between the senior and the community’s staff and other residents. While new environments are challenging, and the temptation to ease the process is strong, family members are prudent to step back and give this social situation time to meld. The settling period is unique for each senior but trust that, in time, the benefits of community life will present their full and healthy colors. Once the senior is settled, families should focus on being there for plenty of hugs and conversation, joining in with the community to make new memories together.

How do I make my loved one feel at home after they move in?

In choosing what furnishings and personal belongings to bring, select items most significant emotionally, nostalgically as well as functionally…the things that bring us comfort and joy. (We have suggested packing lists to aid you.) Considerate of the suite floor plan, arrange these items similar to their relative position in the prior residence as this brings welcome familiarity, especially for those with low vision or cognitive impairment.

Relationally, it’s all about making new connections and trusted friendships with the team and other residents. Ask about our Resident Ambassador program that quicken that all-important sense of belonging. Eager as the Family is to see a Senior settled, don’t rush the process. Give this transition and your loved one space and time to settle in.

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  • Move Made Easy

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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