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What Kind of Services are Available From Independent Living Centers?

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What Kind of Services are Available From Independent Living Centers?

MORNINGSTAR SENIOR LIVING | February 15
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Assisted Living, Food, Lavender Sky, Lifestyle, Philanthropy, Rooted Blog, Senior Care, Senior Diet, Senior Dining, Senior Health, Senior Living, Senior Living Dining Experience |
Knowing what kind of services are available from independent living centers is the first step toward enjoying a happier, more fulfilling life.

Anyone who has come back from a relaxing vacation where they didn’t have to even think about doing household chores, home maintenance, or preparing meals has probably dreamed about living a life where the only thing they must worry about is enjoying themselves.

Sounds like paradise, doesn’t it?

Actually, it sounds a lot like life in an independent living community. If you or your loved one have been feeling lately that your current home involves too much work and too little fun, you might consider independent living.

Independent living is designed for seniors who don’t need personalized service or care plans but do want to direct their time and energy toward doing things they love. If you’re wondering what kind of services are available from independent living communities, here’s what you can expect:

Total Home Maintenance


You can put away your toolbox and yard care equipment forever when you live in an independent living community. If the faucet starts leaking or the air conditioner goes on the fritz, simply call to have it taken care of while you go out for a leisurely lunch with friends. Chances are it will be fixed by the time you get back.

As for exterior chores and upkeep, they’ll be a thing of the past. Someone else will mow the grass, trim the hedges, and clean the gutters. All you’ll have to do is enjoy the manicured grounds on your daily walks around the property.

If you like, you can even ditch the drudgery of weekly housecleaning. Plus, because your luxury residence will be equipped with its own private washer and dryer, you’ll never schlep down to the basement or go to the laundromat again.

Fun Things to Do


There’s no time to be bored at an independent living community. Specialized programming designed to engage your mind, body, and spirit will keep you as busy as you want to be. Choose to join in on activities which might include cultural presentations, craft workshops, musical performances, exercise classes, movies and more. When you don’t have to worry about what you have to do, you can do what you want to do.

Dining Out or In


Mealtimes are marvelous at an independent living community. Don’t feel like cooking? Eat out whenever you like at the community’s restaurant and bistro. If cooking is your passion or you’d just like to be able to spend time baking cookies with the grandkids, you can do it to your heart’s content in your own fully equipped kitchen.

Friendship and Fellowship


An independent living community is a place where you don’t have to go far to connect with interesting, friendly neighbors. The opportunity for conversation, shared laughter, and companionship are steps outside your door.

And if the time comes when you do need more care, you can get it from outside home health agencies, onsite therapists, or stepping up to the next level of care. Knowing what kind of services are available from independent living centers is the first step toward enjoying a happier, more fulfilling life.

MorningStar Senior Living — Independent Living Community


Love the sound of built-in companionship, predictable budgeting and the security that comes from living in an independent living community? Our job is to take care of the day-to-day details of home maintenance inside and out, giving you more time to do the things you love. Whether it’s fulfilling a calling, finding a new opportunity through volunteerism, or playing and relaxing, contact us to schedule a tour of a community near you.

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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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