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Tips That Help Seniors Adjust to Assisted Living Communities

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Tips That Help Seniors Adjust to Assisted Living Communities

MORNINGSTAR SENIOR LIVING | January 15, 2024
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Assisted Living, Rooted Blog |
Change is stressful at any age. Transitioning to the next phase of life is difficult for all of us.

Moving to an assisted living community in advanced age, while often the best decision to preserve quality of life and reengage with the world, can pose challenges to seniors and to their concerned families. Take heart. There are practical ways to walk through and past these challenges, to quicken a sense of comfort and ease in a new residential setting. Here are a few of those strategies to make the transition easier:

  • Give it time – As lovely as a senior living community may be, in all likeliness your loved one isn’t going to instantly adjust to this new environment. Again, that’s only natural. Senior living experts say it takes an average of 3 to 6 months for a new resident to settle in. Keep this in mind as you gently reassure your beloved senior of the sound reasons behind the decision: to be safe and secure, to enjoy a new social setting, to be surrounded by engagement options, to receive the extra help they may need.

  • Make it familiar – Being able to relax in a favorite chair, see treasured keepsakes and photos, or sip morning coffee out of a beloved mug, all these creature comforts can make new surroundings feel familiar and appealing all the sooner.

  • Don’t “over visit” – While it may be tempting to drop by for a visit every day early on, you might want to give your elder a little time to explore the new space, meet neighbors, and establish a personal routine.

  • Maintain traditions – Many things change when someone moves to assisted living, but a lot of things don’t have to. If your family typically have a phone chat on Tuesday mornings, continue to connect on that day. If you typically host holiday dinners and you live near the assisted living community, certainly continue to invite your parent to your home on those days or find some other way to bring the festivities to him or her. Most assisted living communities have spaces to accommodate family gatherings where you can bring your own food and fun.

  • Listen to their concerns – Although you may want to focus on the positives of moving to assisted living, make room for honest and candid conversations as a family. Listen carefully to your elder’s concerns to help you both address them and mitigate them, lest the discontent may grow. Most people can accept that life isn’t perfect if they feel their thoughts on the matter are being heard.

  • Create a team – When it comes to assisted living, your family is not alone in this life change. Enlist the help of the community’s staff. Building a relationship with team members can help make sure your senior’s special needs are being met—whether it’s extra encouragement to be social or a preference to spend time alone. Helping seniors adjust to assisted living communities means taking into consideration what makes them feel comfortable, safe, and happy.

About MorningStar Senior Living


An integrated developer, owner and operator of premier retirement communities, MorningStar’s portfolio encompasses over 40 properties under operation or development representing 5,000+ units under management or in development in twelve states in the Midwest and Western United States. Offering independent living, assisted living and memory care, MorningStar is privileged to elevate life for those who taught the rest of us how to live. For more information, visit MorningStarSeniorLiving.com.


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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.

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 888.228.4500.

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 888.228.4500.

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.
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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.

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 888.228.4500 to be connected with an expert for a free policy review.

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 888.228.4500 or Click Here.

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