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What Makes MorningStar Senior Living Different

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What Makes MorningStar Senior Living Different

MORNINGSTAR SENIOR LIVING | January 14, 2022
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Rooted Blog, Senior Living |
MorningStar’s Vision to love and honor others stretches beyond its senior living communities—and into the world.

The stars above are a perfect symbol of what we do at MorningStar Senior Living and why we exist. As the stars in the sky are beautiful and God-inspired and light-bearing, we too, as a company, aspire to be beautiful and God-inspired and light-bearing.

The MorningStar difference is rooted in our opening chapter and the philosophy of Founder/CEO, Ken Jaeger. Born into a large midwestern family, Ken went on to forge a 15-year career as a leader in senior housing at which point he decided to launch his own brand rooted in a vision of what the ideal senior living community could and should be.

The result 18 years later is a constellation of senior communities that embody the inspiration Ken first found in the pages of Scripture: “I am the Root and the Offspring of David, and the bright Morning Star.” (Revelation 22:16)

Three deeply held principles illustrate what makes MorningStar communities different.

  • 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

In everything we do at MorningStar, we are guided by this three-pronged mission. It’s our moral compass and True North.

Yet to deliver on our brand promises, it’s not enough to follow a mission rooted in heart. The best companies, the ones advancing a better world, are those Intentional about building healthy culture.

We begin by hiring for heart; ask any team member to share what motivates them most at MorningStar. Radiance gives us a framework through which we can then empower each other to be servant-leaders. The principles of Radiance are taught through formal team training. Then daily we have a variety of ways to remind each other about our Service Values and the radiant acts that are to distinguish us.

MorningStar’s Vision to love and honor others stretches beyond its senior living communities—and into the world. We are intentional about leaving a heritage of generosity through the work of The MorningStar Foundation, through which we offer abiding support to philanthropic initiatives. Our attentions are two-pronged: International and Local nonprofits. For a better understanding of who and how we support, read here: https://www.morningstarseniorliving.com/foundation/.

Maintaining a sense of independence is essential


Whether needing a little help or more intensive care, seniors put a high value on independence. We all do, at any age. Understanding independence is central to a purpose-driven life, we put a premium on encouraging residents to do as much as they can for themselves. At the same time, we make it easy to ask for and receive whatever help is needed.

  • Independent Living at MorningStar is a refreshing change of lifestyle that offers built-in companionship, predictable budgeting, activities and programming, and delicious meals you no longer need to cook. The result is stress-free living, a season that extends independence and allows residents to continue the adventure on their own terms.
  • Assisted Living There comes a time in life when you need someone to lean on. Assisted Living at MorningStar opens up the possibility for honest and transparent relationships in which both residents and the care team can receive—and give—love. It becomes a lovely exchange of mutual blessing.
  • Memory Care Every day, seniors and their families come to us swirling with emotions from a prognosis of Alzheimer’s or another form of dementia. In such a season, MorningStar is called to take up the rewarding work of bringing peace and purpose. Lavender Sky is our philosophy and programming in service to the memory-impaired.

In all lifestyle neighborhoods, we find creative ways to educate families and protect seniors’ rights, helping them navigate the journey of aging and its complexities.

Spiritual and social connected keeps seniors healthier and happier


Whether it’s nurturing their relationship with God or simply knowing they can look forward to enjoying the company of friends, MorningStar makes every resident’s spiritual and emotional connection a priority. Studies have shown that seniors who actively practice their faith and interact with others see a measurable improvement in the quality and length of their lives.

A holistic, faith-centered approach to retirement provides peace of mind for everyone


Living in a safe, stimulating environment that encourages connections isn’t just good for seniors, it’s good for those who love them. Knowing we are dedicated to meeting our residents’ social, emotional, physical, and spiritual needs provides a deep sense of peace and comfort for the entire family..

MorningStar Senior Living


If your loved one lives far from family and friends, it could be time to consider a senior living community filled with the companionship of fellow seniors and a compassionate staff. At MorningStar Senior Living, a 24/7 team is dedicated to offering care and hospitality services that meet a resident’s individual needs.

While the company was founded on a Judeo-Christian tradition, we honor all faith systems and worldviews at MorningStar among our team members and residents. It is our responsibility to honor spiritual preferences as part of caring for the whole person.


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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.
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.

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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