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How Do Fall Prevention Programs Benefit Senior Living?

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How Do Fall Prevention Programs Benefit Senior Living?

MORNINGSTAR SENIOR LIVING | September 15
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Assisted Living, Lifestyle, Rooted Blog, Senior Care, Senior Health, Senior Living |
Fall prevention programs benefit senior living by reducing the risk of serious injury or death, improving mobility, and helping residents feel happier with their quality of life.

What’s the biggest threat to older adults who want to enjoy a happy, healthy, active life in a senior living community? If you guessed a worsening chronic health care condition, memory loss, or coming down with an infectious disease, you’d be wrong.

The little known fact is that something as simple as a fall - whether it’s in the shower, tripping on steps, or getting out of bed - is the #1 cause of injuries and death among older adults: That’s why most senior living communities have developed robust fall prevention programs designed to help keep residents safe and healthy so they can enjoy their lives to the fullest.

The most effective fall prevention programs that benefit senior living follow the Centers for Disease Control and Prevention’s Stopping Elderly Accidents, Deaths, and Injuries (STEADI) principles that include:

  • Screening – This process figures out which residents have fall-risk factors and who would benefit most from follow-up attention. A staff member might ask you or your senior loved one questions like:

    • Do you worry about falling?
    • Do you feel unsteady when standing or walking?
    • Have you fallen in the past year?
    • How many times have you fallen?
    • Were you injured in any of your falls?

  • Assessment – If you or your senior are identified as being at a higher risk for falling, the next step is looking at their current state in terms of strength, gait, and balance. They will check their general medical condition, check for drugs that might make them unsteady, and assess whether they have a chronic disease like diabetes or a heart condition. Other assessments will check whether the person experiences a sudden drop in blood pressure when they stand up, whether they have vision or foot problems, and evaluate what kind of shoes they wear. Another assessment is asking about incontinence: Needing to frequently get up and go to the bathroom - especially in the middle of the night - can greatly increase the chances of falling.

  • Intervention – Once risk factors have been identified, they need to be addressed. Depending on the results of the assessment, you or your loved one may need to talk to their doctor or pharmacist about adjusting medications that might be causing sleepiness, blood pressure fluctuations, or confusion. Getting glasses or adjusting a prescription may help them judge distance better and see tripping hazards more clearly. Switching from house slippers to shoes with sturdy soles and good arch and heel support can also reduce the risk of falling. An occupational therapist might be called in to work on balance and strength training. Residents who struggle with incontinence may want to follow a timed schedule for going to the bathroom or meet with a physical therapist who can show them how to do pelvic floor exercises that can reduce the need to use the restroom.

Aside from reducing the risk of serious injury or death, fall prevention programs benefit senior living by making it easier to do enjoyable things like going to dinner with friends, walking for exercise, and being happier with their overall quality of life.

MorningStar Senior Living


If your loved one lives far from family and friends, it could be time to move into a senior 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 offer care and hospitality services that meet each resident’s social, emotional, physical, and spiritual needs.

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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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