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How to Encourage Mental Health in Senior Living Communities

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How to Encourage Mental Health in Senior Living Communities

MORNINGSTAR SENIOR LIVING | June 01
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Assisted Living, Lifestyle, Rooted Blog, Senior Care, Senior Health, Senior Living |
Happier living is healthier living so make sure you or your senior loved one look out for their mental health by staying connected to people and meaningful activities at their senior living community.

There’s a saying “Be thankful for the chance to grow old. It’s a gift that is not granted to everyone”. And indeed, growing older does bring many wonderful gifts. The happiness of watching children and grandchildren growing up, graduating from school, and getting married. The joy of welcoming grand babies into the family. And the satisfaction of retiring from the working world and having time to devote to doing the things you love.

But growing older can bring challenges as well. Dealing with loss, loneliness, and declining physical health can lead to the development of debilitating mental health issues such as anxiety and depression, which is why it is important to know how to encourage mental health in senior living communities.

Studies show that as many as 1 in 5 seniors face mental health problems that are not age-related. The signs and symptoms often go unnoticed or are just chalked up to a loved one getting older, but it’s important to keep an eye out for them. Here are a few to look out for:

  • Sleeping more than 12 hours a day
  • Staying at home instead of going out to see friends or engage in social activities
  • Increased forgetfulness
  • Substance abuse
  • Increased fatigue
  • Loss of appetite
  • Noticeable changes in behavior
  • Lack of interest in doing things they used to enjoy

What steps can be taken to encourage mental health in senior living communities? The good news is, there are a wide range of strategies and practical actions that can help seniors enjoy a sense of mental well-being:

  • Promote Personal Relationships – If you or your loved one are a resident of a senior living community, you are immersed in an environment designed to foster social connections. Instead of having to drive yourself, take a bus, or get a ride to see friends and family, you can simply step out of the door of your living space. Most independent and assisted living communities are designed like dorms where the sight of a friendly face and the chance to meet up are always just around the corner.
  • Engage in Social Activities – Most senior living communities provide a wealth of opportunities to forge and strengthen personal relationships by offering a wide range of easily accessible activities that keep people involved and connected. These can include:

    • Entertainment – Senior living communities often host musical concerts, bring in stimulating guest lecturers, and screen movies that draw residents out of their living spaces to enjoy themselves in the company of others.
    • Classes – An active mind is a healthy mind, which is why many senior living communities make a point of offering a wide range of classes that keep residents mentally engaged in a social setting. These might include things like instruction in painting, scrapbooking, jewelry making, or researching family history.
    • Physical Exercise – Scientific studies focused on depression and anxiety show that regular exercise can help elevate mood and reduce anxiety as well as improve physical health. Whether it’s joining in on a group session of low impact stretching, light weight lifting, balance exercises, or simply taking a daily walk around the grounds with friends, senior living communities make it easy to enjoy the many psychological and physical benefits of staying active.
    • Clubs – Drawing people with shared interests together to indulge their passion for reading, bird-watching, card-playing or knitting can go a long way to keeping loneliness at bay. The opportunities to join or create a vibrant social club with like-minded people at a senior living community are virtually unlimited.
    • Volunteering – Few things make people feel happier than knowing they are helping others through volunteer efforts in their community. Senior living communities are a place where residents can meet and participate in charitable activities that might include knitting caps for needy newborns, putting together care packages to send to overseas military personnel, or simply attending a fundraising event.
    • Offer Spiritual Outlets and Support – Many senior living communities feature sacred spaces such as a chapel or meeting room where residents can gather for worship and fellowship. Others offer opportunities to engage in spiritually elevating practices such as meditation and yoga. Keeping up with faith traditions or creating new ones can help lift seniors’ spirits, provide comfort, and improve mental health and emotional well-being.

While seniors who remain living at home can get involved in many activities that promote better mental health, senior living communities make them much more accessible to those who might be physically unable to get out and about.

Taking care of the mind and spirit is just as important as working to stay physically healthy because it builds the kind of emotional resilience and social well-being that can help seniors successfully deal with the inevitable challenges that come in later years. Happier living is healthier living, so make sure you or your senior loved one looks out for their mental health by staying connected to people, meaningful activities, and the community.

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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