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Being Neighborly

BEING
NEIGHBORLY

Doing Our Share

BEING
NEIGHBORLY

Doing Our Share

Home > Foundation > Being Neighborly

IN SUPPORT OF LOCAL NONPROFITS


“And let us consider how we may spur one another on toward love and good deeds.”
– Hebrews 10:24

We love the towns and cities in which our MorningStar communities are nestled, and want to display that civic pride in demonstrable ways. We see volunteerism within local nonprofits as another way to honor God through servant-leadership.

While there is no shortage of worthy causes with which to align, we favor organizations whose mission is centered on the poor, the neglected and the marginalized. And whenever possible by the nature of the work, we invite MorningStar residents to join us in these acts of service by the giving of their time and talent as well.

MorningStar of Fountain Hills help clean up their local streets Morningstar of Arvada filling eggs for an Easter Egg Hunt at Hope House MorningStar of Idaho Falls volunteering at local soup kitchen Mountain Shadows adopted a single-parent family at Christmas Billings delivers handmade blankets and donations to Tumbleweed Hosting water drive for Justa Center for homeless seniors in Phoenix MorningStar of Arvada residents weave mats for homeless shelters Billings residents making blankets for local homeless teenagers Making pet blankets at Englefield Green for the Humane Society Mountain Shadows volunteering at the local Rescue Mission We are filling Santa’s Stockings for area children RidgeGate packing shoeboxes for Operation Christmas Child Boise residents make blankets for local children’s hospital MorningStar team in elevated service to their fellow man Hand-woven plastic bag mats for Denver’s homeless A Gift from the heart of Arcadia to Child Crisis Arizona Santa Fe fundraiser for New Mexico Music Commission Foundation We filled over 60 care packages and treat bags for homeless School supply donations for the kids! Colorado Homes participate in International Shoe Drive
MorningStar of Littleton hosts Mother’s Day event for homeless families. Cleaning up the trails at Garden of the Gods on Earth Day Monthly service assembling sandwiches for the hungry…900 a month Collecting winterwear during its Spirit of Giving Week MorningStar and residents raised $2,000 for Hope House of Colorado Packing overseas medical supplies at Project C.U.R.E. in Denver Volunteering at Hope 4 the Heart food pantry in Hayward, CA MorningStar of Fountain Hills tending the towns Community Gardens MorningStar of Parker residents making PBJs for Denver’s homeless Celebrating Red Nose Day in support ending childhood poverty Book buddies at MorningStar at RidgeGate MorningStar of Littleton sponsors picnic for CO Homeless Collecting baked ham for The Cancer Foundation of New Mexico At “Cars for Kids” benefiting the Children’s Miracle Network Helping the The United Way raise over $10,000 for Kuane’s Kids Sponsoring of Rotary Club’s fundraiser, Pancakes on the Plaza Organized through The Justa Center we filled over 60 care packages Volunteer trip to Feed My Starving Children in Mesa Celebrating Earth Day by cleaning up trash at the Garden of the Gods MorningStar of Wheat Ridge - Helping our local food bank

RALLYING FOR THE
ALZHEIMER’S ASSOCIATION

Do It For Love

In wisdom, our residents teach the rest of us how to live, reminding us that life’s deepest satisfaction is found when we give ourselves away in service to others. One obvious place to start is the Alzheimer’s Association. Out of love for the memory-impaired, MorningStar has long been an enthused supporter of this prominent awareness and research organization.

We Long for a Cure

In radiant service to the memory-impaired, MorningStar hosts uplifting celebrations and fundraisers on “The Longest Day” (summer solstice), a designated day of awareness established by the Alzheimer’s Association.

Step Up, Step Out to End Alzheimer’s

Every Fall, MorningStar teams walk in joyful strides at the “Walk to End Alzheimer’s” event in the cities in which we have communities.

Changing the World
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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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