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Privacy Policy

Website Privacy Policy

MorningStar Senior Management LLC (together with all affiliated entities and properties) (“We,” “Us” or simply “MorningStar”) is committed to protecting your privacy.  This privacy policy addresses only the information collected by us from you as a result of your use or browsing of our website, MorningStarSeniorLiving.com (“Website”).

If you have any questions about this Privacy Policy please contact us at privacy@morningstarseniorliving.com or call us at 303.750.5522

We have designed this Website to help current or prospective residents make decisions regarding options for senior living and senior care.

What do we use your information for?

Any of the information we collect from you through our Website may be used in any of the following ways:

  • To personalize your experience: your information helps us to better respond to your individual needs.
  • To improve our Website: we continually strive to improve our Website based on the information and feedback we receive from you.
  • To improve customer service: your information helps us to more effectively respond to your customer service requests and support needs.
  • To enhance your web browsing experience and to provide you with the information you seek in an efficient manner.
  • To send periodic emails to the email address you provide through our Contact Us form.  We will only use that email address to send you information that you request and to include you in regular MorningStar communications with our audiences.
  • To provide advertising and promotional materials to you across various platforms you utilize on the internet, including social media applications and websites.
  • To allow our third-party vendors to market MorningStar services to you directly.

Your information, whether public or private, will be used as set forth in this privacy policy.  By accepting this privacy policy, visiting our Website and not opting out of our online connection, you consent to the uses of your information as set forth in this privacy policy.

This privacy policy does not apply to information we may collect from you offline or in person.  For our residents and their families, please see our privacy policies received as part of your move-in documents.  In addition, this privacy policy does not apply to information collected from you when you communicate with our third-party vendors, whether through email or by telephone or if you respond to any of our advertising materials, whether or not such response is electronic, online, through email or by telephone call.

What information do we collect?
When contacting or registering on our site, as appropriate, you may be asked to enter your name, e-mail address, mailing address or phone number. This will be the only personal information that we would collect.  You are not required to disclose any personal information to access our services. You may, however, visit our site anonymously and in such a case, the information we collect from your visit to our Website would not be personal, and would be limited to your computer’s IP address.  To the extent you post information or upload information to our Website and make it available for general viewing, we will not be able to treat that information as confidential. You may access, change, or delete such information pursuant to the “Your Choices” section below. Please do not submit health information through our Website.

How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information. Our Website is secured by a SHA-2 and 2048-bit encryption SSL Certificate and is housed on a dedicated, fully managed server with advanced back-up, firewalls and advanced virus clean-up.

How do we collect information?
We collect certain information when you either apply online for employment or when you fill out the Contact Us form on our Website.  In addition, we utilize certain technology tools (pixels and cookies) to collect additional information such as IP addresses.  The collection of this information is primarily used to track Website usage and provide you with targeted marketing information.

We may collect IP addresses for system administration and internal tracking. When you visit our site, our Server logs the IP addresses. We may link IP addresses to personally identifiable information.

We may place a cookie or pixel on your computer. Cookies are pieces of information that a website transfers to an individual’s hard drive for record-keeping purposes. Pixels cause targeted advertising to be delivered to you through online activity and social media interactions.  The information stored will make your usage easier and faster because it allows you to use the site without having to re-enter information on each visit.  We also use cookies when you fill out the Contact Us form on our Website.  This may or may not identify visitors when they return to the site.  We do not use cookies to identify specific individuals.

We may collect information about your computer, including your IP address, operating system and browser type, for system administration and in order to create reports.

Our Website and trusted third parties will utilize search engine optimization tools and techniques, such as Google Analytics, that will help us understand how you engage with our Website.  These tools will use cookies to track visitor interactions.  These cookies and data collected from them will help us compile reports and information to improve visitor usage and search engine rankings.  Each tool, including using cookies, will have its own method for allowing you to opt out of its data collection efforts.  Please contact us at the email below for more specific information about the search engine optimization tools that we utilize.  In addition, we may use cookies to provide MorningStar display advertisements to websites that our visitors use across the internet.  We may also utilize this information to direct advertising and marketing materials to you through search engines, social media websites and other means, including providing this information to our third-party vendors who market MorningStar for us.  These campaigns may allow us to target users searching for senior living and senior care services and deliver targeted marketing and advertising to those users.  To the extent you desire to opt out of these campaigns, please contact us at the email below and we will provide you with the necessary opt out contacts.

Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our Website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect our rights or the rights of others. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Children’s Online Privacy Protection Act
Our Website, products and services are all directed to people who are at least 13 years old or older and as a result we do not attempt to collect date from children under 13 years old and in the event that were to occur we would make reasonable efforts to comply with the requirements of COPPA (Children’s Online Privacy Protection Act).  With respect to minors between the ages of 13 and 16, we also do not attempt to collect data from minors in that age bracket, but to the extent we do, such information would be treated the same as for those minors under the age of 13.

California Do Not Track (DNT) Signals. 

What is a DNT Signal?
Currently, various internet browsers offer a DNT option that relies on a technology known as a DNT header that sends a signal to websites visited by the browser user about the user’s DNT preferences. You can usually access your browser’s DNT option in your browser’s preferences.

How do we respond?
We do track our users over time and across third party websites to provide targeted advertising, however, our Website does not currently respond to Do Not Track (DNT) signals.  Users must cease using our Website in order to opt out of our ability to track our users.

Your Consent
By using our site, you consent to our privacy policy.

Your Choices
You can request access to your personal information (if any) that we keep on record and we will provide you with access to such personal information. Personal information includes information used for business functionality, such as website performance, and information used for marketing purposes.  We take reasonable steps to make sure that the personal information we collect is accurate, complete, up-to-date and not misleading, and you may request the correction or deletion of any personal information collected. You have a right to request that we disclose what personal information we have collected and use. There is no fee for requesting access to your personal information, but we may require you to verify your identity before granting you access to such information through such means as we deem appropriate. Please contact us at the email or phone number below to make requests regarding your personal information, or to designate an authorized agent to make such requests on your behalf.

Verification
Before providing you with the ability to delete or receive personal information, you may be required to provide verification of your identity. If we believe that there is fraudulent or malicious activity, we may require additional verification procedures to confirm the consumer request is authentic.

California Privacy Rights

California law permits customers in California to request certain details about how their information is shared with third parties and, in some cases, affiliates.  Such information may be used by third parties and affiliates for direct marketing purposes.  Under California law, a business must identify how such information is used and permit California customers to opt into or opt out of this type of sharing. How MorningStar uses information about visitors to its Website is set forth in this Privacy Policy. If you are a California resident, you may opt out of such future sharing of your personal information (as defined in the California law) and/or request information about our compliance with the law by contacting us at the contact information below.  Such requests must include the statement “Your California Privacy Rights Request” in the first line of the request and must include your name, street address, city, state and ZIP Code.  Please note that we are only required to respond to one request per person each year and we are not required to respond to the request made by means other than through the email address or mail address below. California minors have additional privacy rights, however, our Website is not intended for minors.

In the preceding 12 months MorningStar has not disclose personal information for a business purpose. In the preceding 12 months, MorningStar has not sold personal information.

The California Consumer Protection Act (“CCPA”) provides California residents with specific rights regarding their personal information.  This section describe your CCPA rights and explains how to exercise those rights.  The rights covered include:

-The right to access any data related to such consumer, rights with respect to the portability of such date.

-The right to request deletion of such data.

-The ability to opt out of personal information sales

-The ability to exert these rights

We will not discriminate against you for exercising any of your CCPA rights unless permitted by the CCPA .  We will not deny you goods or services, charge you different prices or rates for goods or services, including through granting discounts or other benefits or imposing penalties, provide you a different level or quality of goods or services, suggest that you may receive different prices or rates.

General Data Protection Regulation (GDPR)
MorningStar’s legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data, as defined in the GDPR, we collect and the specific context in which we collect it.

MorningStar may process your Personal Data because:

  • We need to perform a contract with you
  • You have given us permission to do so
  • The processing is in our legitimate interests and it is not overridden by your rights
  • For payment processing purposes
  • To comply with the law

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. MorningStar aims to take reasonable steps to allow you to correct, amend, delete or limit the use of your Personal Data, even if you are not a resident of the EEA. For the purposes of the GDPR, “Data Controller” means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data. “Data Processor” (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.

If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us at the contact information below.

Under Chapter 3 of the GDPR, you have certain rights, including:

  1. The right to be informed: This means anyone processing your personal data must make clear what they are processing, why they are processing it, and who else the data may be passed to.
  2. The right of access: This is your right to see what data is held about you by a Data Controller.
  3. The right to rectification: The right to have your data corrected or amended if what is held is incorrect in some way.
  4. The right to erasure: Under certain circumstances you can ask for your personal data to be deleted. This is also called ‘the Right to be Forgotten’. This would apply if the personal data is no longer required for the purposes it was collected for, or your consent for the processing of that data has been withdrawn, or the personal data has been unlawfully processed.
  5. The right to restrict processing: This gives you the right to ask for a temporary halt to processing of personal data, such as in the case where a dispute or legal case has to be concluded, or the data is being corrected.
  6. The right to data portability: You have the right to ask for any data supplied directly to the Data Controller by him or her, to be provided in a structured, commonly used, and machine-readable format.
  7. The right to object: You have the right to object to further processing of your data which is inconsistent with the primary purpose for which it was collected, including profiling, automation and direct marketing.
  8. Rights in relation to automated decision making and profiling: You have the right not to be subject to a decision based solely on automated processing.

Please note that we may ask you to verify your identity before responding to such requests.

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the EEA, if applicable.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.  This policy was last modified on December 21, 2021.

If you have a question about this Privacy Statement or our handling of your information, you can send an e-mail to privacy@morningstarseniorliving.com. You can also contact us at: 303.750.5522.  If you no longer wish to receive emails, newsletters or other communications from MorningStar, please send an email to privacy@morningstarseniorliving.com.

 

Telephone numbers will not be shared. If you opt in to receive text messages via our short code (39319) please refer to the additional SMS Short Code Terms and Conditions.

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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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