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In the Beginning

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In The
Beginning

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MORNINGSTAR

A Name Deeply Rooted

Our Founder

MorningStar’s story begins with an impassioned prehistory—namely, the life of Ken Jaeger, Founder/CEO. Born and raised on a large multi-generational farm in the Midwest, Ken and his 11 siblings were presented daily with lessons in economics, diligence and hard work.

In 2003, after 15 years of executive leadership experience and thoughtful observation of the senior housing industry, Ken determined to establish his own bold brand of senior living rooted in Judeo-Christian principles.

Here’s how Ken recounts the opening chapter of MorningStar Senior Living in its inception year of 2003: “I had a dream to start a senior housing company that was defined by the human touch. I wanted to re-create my grandmother’s house, a place where one can go and feel a sense of family.” Out of this heart of Ken’s, one focused on the power of relationships, came a three-pillared mission upon which MorningStar remains grounded:

Honor God in our business practices and relationships — A commitment to strong moral values and ethics

Value all seniors as gifted and contributing individuals — A commitment to creating a community that promotes a healthy, engaged lifestyle, while providing security and independence

Invest generously in our team’s ability to serve well — A commitment to hiring and retaining employees who use creative minds and compassionate hearts to serve residents

Ken continues the story, “I had been searching for a company name for months. Something that was alive and comforting, that offered a powerful, guiding force—even more, a name that spoke to the passion I have to bring loving care to seniors.”

Then one day while he was reading the Bible, that name—MorningStar—leapt from the pages of Revelation 22:16 where Jesus said, “I am the Root and the Offspring of David, and the bright Morning Star”. In sharing his discovery with wife Shanna, she mentioned that just that day she’d seen this reference to Jesus in 2Peter (“…you will do well to pay attention to it, as to a light shining in a dark place, until the day dawns and the Morning Star rises in your hearts”).

The following day Ken read a front page article about an Indian reservation suffering under abject poverty. One of the Native American women being interviewed was named MorningStar. That settled it. For even at the genesis of his company, Ken knew he wanted its profits used, in part, to relieve poverty around the world. And so we were christened: MorningStar.

Since our first privileged year of service, the deep and lasting impression we want to make is this: We are a radically relational, senior loving home where residents are seen as heroes. By weaving all the threads of a better story, by knowing our purpose is greater than any one of us, MorningStar is resolved to elevate the world of business and leave a legacy of benevolence and changed lives.

OUR BRAND STORY

(9-MINUTE VIDEO)

ON A MISSION

(3-MINUTE VIDEO)




While the company was founded on a Judeo-Christian tradition, we honor all faith systems and worldviews among our team members and residents. Our preeminent goal is to meet a resident’s social, emotional, physical and spiritual needs, all of which contribute to creating a comfortable home and offering truly compassionate care. It is our responsibility to honor spiritual preferences as part of caring for the whole person.
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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.
The ADA prohibits exclusion, segregation and unequal treatment in providing effective communication for people with hearing, vision or speech disabilities and other access requirements. In good faith, MorningStar is open to dialogue on any reasonable accommodations or modifications you may need.The ADA prohibits exclusion, segregation and unequal treatment in providing effective communication for people with hearing, vision or speech disabilities and other access requirements. In good faith, MorningStar is open to dialogue on any reasonable accommodations or modifications you may need.

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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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