Tag: senior living

5 Elder Fraud Protection Tips

February 14, 2024

13 Minute Read

If there’s one thing more certain than taxes, it’s elder fraud. According to the FBI, over $3 billion disappears annually from the accounts of older Americans, proving that not all disappearing acts happen on the magician’s stage. Scammers have turned targeting seniors into an art form, a not-so-funny comedy where the punchline is your compromised personal information.

Adults over 60 years old are the primary target of elder fraud, whether it’s done online, by phone or face-to-face. Some criminals are out to steal personal information like Social Security, credit card and bank account numbers. Some take advantage of your willingness to do good by posing as legitimate charities. Others promise products and services that never materialize.

By learning about online safety, protecting personal information and staying cautious about finances, you can keep yourself or someone you love from being the next elder fraud victim.

Statement of Fairness: Considering senior living options for yourself or a loved one? We’re here to help at every step. And even though we specialize in independent living communities, our goal is for YOU to find your best path to gracious retirement living, and part of how we achieve that is by providing reliable information on all types of senior living, not just the ones we offer. When our offerings serve as useful illustrations to a specific topic, you can find that information in the attached sidebar.

Disclaimer: This content is not intended as financial advice. Remember to review your plans and budgets with a licensed financial professional when making significant financial decisions.



It’s Important to Stay on Your Toes

Because older adults are often more polite and trusting, keeping ahead of elder fraud swindlers can be challenging. Use your common sense, and if it sounds too good to be true, it probably is.

Be Alert

It used to be easier to spot a scam. Words were misspelled, and sentences didn’t sound quite right. Now the bad guys are getting craftier, and you may not be able to tell if the call, email, text or social media invite is real or not. Take your time and investigate.

If you’re worried about your loved one, check in regularly to see who they have been talking to. Open communication can uncover information vital to elder fraud protection.

Be Proactive

Before working with a new company or organization, do your homework. The company’s online reviews may not be telling the real story. Check with the Better Business Bureau to see if they’re reputable. When someone asks you for a donation from an organization you’ve never heard of, look them up on the Charity Navigator website.

Eder Fraud protection checklist

5 Elder Fraud Protection Tips

  1. Look out for the most common scams. And just say NO! Remember, when your caller ID says “Unknown,” it’s just a polite way of saying, “Don’t pick up, I’m trouble!”
    • Lottery scams. You may find out by phone or by email that it’s your lucky day! You’ve won a large amount of money in a contest. You probably don’t remember entering – because you didn’t. The scammer will ask you to pay a fee in advance to receive your reward.
    • Tech support scams. Out of the blue, you get a phone call, online pop-up or email from Microsoft telling you there’s a problem. To fix it, they need remote access to your computer. Beware: If you let them in, they’ll steal all your information.
    • IRS scams. The voice mail or email sounds angry and threatening. You’re told you owe back taxes and if you don’t pay them, you’re headed to jail. Or maybe they tell you you’re due a refund, in that case, they need your bank account information so they can forward the money to you. That’s not how the real IRS communicates.
    • Phone scams. Your phone rings, but you don’t recognize the number. When you answer, the fake telemarketer (maybe even a recording) will try to sell you something. Just like the lottery and IRS scam, they’ll ask you for personal information and your bank account number.
    • The Grandparent Scam. Your “grandchild” texts you to say they’re in trouble. Hearing that would panic the best of us. These con artists posing as your grandchild will ask you for bail money to be sent via a courier or electronic transfer. As a defense, many families choose a safe word that can identify the real relative from the imposter.
  2. Practice online safety.
    • Install the latest anti-virus and firewall security software to detect and block malicious content before it reaches your screen.
    • Create strong passwords for all your accounts and never share them. Passwords and PINs are notoriously hard to remember, but writing them down on a sheet of paper is a bad idea. A password manager can help. This technology tool creates, saves and uses passwords more effectively.
    • Turn on 2-step verification for your online accounts. After putting in your username and password, you will receive a code via text, voice or email to enter to prove it’s really you.
    • Check before you click. Whether a friend or stranger sent the email, avoid clicking suspicious links without checking where they lead. It doesn’t matter if it’s a long URL or a shortened one – if it’s dangerous, a link checker can tell you. These tools help by identifying compromised websites, so you can avoid potential scams and malware. Here are a few reputable sites that let you check if links are safe or not.
  3. Keep your personal information personal.
    • Don’t let your mailbox fill up day after day. Letters and statements are easily stolen.
    • Shred bills and statements before throwing them away.
    • Sign up for the National Do Not Call Registry. It’s a free service provided by the Federal Trade Commission (FTC). To put your number on the list, call 888-382-1222 or register online. Not only will this cut down on telemarketer calls, it’s also an important elder fraud protection safeguard.
    • It’s smart to say no when asked for personal information. Sharing personal data, like a Social Security number, with an unfamiliar contact is like lending car keys to a stranger. We wouldn’t trust a stranger with our car, so why would we trust them with our livelihood?
    • Senior woman reviewing paperwork on couch
  4. Keep a sharp eye on your finances.
    • Carefully check your financial, insurance and Social Security statements to detect any changes.
    • If you haven’t already done so, choose someone you trust to be your financial power of attorney. Your financial power of attorney can pay your bills and monitor accounts if you are unable to handle these responsibilities. You don’t need a lawyer to appoint someone. Eldercare, a public service of the U.S. Administration on Aging, can help free of charge.
    • Authorize your financial institutions to contact someone you trust if they’re not able to contact you.
    • If you start receiving bills for items you did not buy or debt collection calls from accounts you did not open, you are a victim of identity theft.
    • If you suspect anything, contact your bank.
  5. Be wary of unsolicited contact.
    • Don’t answer phone calls, texts, social media messages or emails from people you don’t know.
    • You may think that responding to a security alert from the Internal Revenue Service, Medicare or the Social Security Administration is a way to act fast and protect yourself. Wrong. No matter how official those unsolicited calls, emails or texts sound, government agencies will never contact you to request or verify your personal information.

What Should I Do if I (Or My Loved One) Are Victim of a Data Breach?

Cybercriminals target companies both big and small. In case of a large data breach, the company must alert you about what personal information has been exposed and stolen.

Take these steps if you’re part of a large data breach or if you’re a victim of elder fraud:

  • Change the passwords and PINs to your bank and credit card accounts.
  • Place a fraud alert on your Experian, Transunion and Equifax credit reports. The alert will stay in effect for one year but can be renewed. Lenders processing a credit application in your name will then be able to tell that you are a victim of elder fraud or identity theft.
  • Watch for any unusual activity on your financial statements and credit reports.
  • Report individual instances of elder fraud to government authorities.

How Do I Report Elder Fraud?

Many elder fraud victims are too embarrassed to make a report. But sharing that information can help others and increase the chances of the criminals getting caught. If someone takes advantage of you, a friend or a family member, contact a government agency that will pursue these criminals. Your voice, combined with others, can dismantle these deceptive schemes and safeguard the financial well-being of countless individuals.

Report the incident to the FBI at ic3.gov. You can also call the Department of Justice (DOJ) Elder Fraud Hotline at 833-FRAUD-11 (833-372-8311).

“When criminals steal the hard-earned life savings of older Americans, we will respond with all the tools at our disposal,” says FBI Springfield Field Office Special Agent in Charge David Nanz.

If you contact the Federal Trade Commission (FTC), they will share your report with more than 2,800 law enforcers. Call 877-FTC-HELP (877-382-4357) or TTY 866-653-4261. You can also contact them online at ftc.gov/complaint.

Unless you’re in imminent danger, you don’t have to call 911. Find the dispatch number of your local police department and give them your report.

Tap Into Reliable Resources for More Advice.

The National Council on Aging website is filled with elder fraud protection advice. You’ll learn how to spot the latest scams that put you at risk. Their post Avoiding Scams and Fraud for Older Adults has in-depth, up-to-date information for older adults, caregivers and other professionals. And from helping you steer clear of health insurance fraud and Medicare scams to telemarketing and business swindles, read 22 Tips for Seniors to Avoid Scams.

Elder fraud is ever-changing, with new scams popping up all the time. Scammers are experts at pressuring you into giving out your personal information or agreeing to things that don’t seem right.

If you do find yourself the victim of elder fraud tactics, take the necessary steps to secure your accounts. If you need assistance getting this done, ask a trusted family member, friend or professional. Then help yourself and others by reporting the crime to government-sponsored agencies.

You’re not alone. Adults of all ages are targeted (and often fooled) by scammers. Take your time to research, weigh your options and make logical decisions. By staying alert and proactive, you’ll be ready to stop those fraudsters in their tracks.

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Safeguarding Your Future.

Hawthorn Senior Living - Linwood Estates

At Linwood Estates, we streamline all monthly utilities into one fee, reducing the risk of fraudulent activities. By consolidating bills, we not only provide convenience but also enhance security, ensuring our residents can enjoy a worry-free living experience. Discover peace of mind at our community.

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It’s not just about where you want to live – it’s about how you want to live. We invite you to visit us at Hudson Estates, the finest senior living in Lansdale, Pennsylvania. You’ll get to know (and love!) our residents and senior living experts. Our dedicated team members are more than just professionals – they’re compassionate allies. Ready to assist residents through any challenge, our team provides unwavering support, turning obstacles into opportunities for growth and connection. Experience the difference of having a caring team by your side, making every day extraordinary.

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Selecting Your Ideal Community

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Comparing Aging in Place: The Truth Behind the Trend

Right now, you may think that your current home is where your heart is. But before you make that decision, let’s consider what staying in your home would mean for you. In this article, we’ll explore the realities of aging in place, empowering you with insights to make an informed decision that resonates with your unique journey.

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Frequently Asked Questions:

What are some common scams that target older adults?

Older adults are frequently targeted by scams featuring lottery “wins” (claiming you’ve won a prize but requiring payment to collect), tech support (calls or pop-ups claiming your computer needs urgent repair), threats from the “IRS” (threatening calls about taxes or refunds), fake telemarketers seeking personal information, and the “grandparent scam” (fraudsters pretending to be a grandchild in distress).

How can I protect myself or a loved one from elder fraud?

Practice online safety by using strong, unique passwords and enabling two-step verification. Be cautious with personal information: Shred sensitive documents, don’t let mail pile up and don’t share details like your Social Security number with unknown contacts. Regularly review financial statements for unusual activity, and sign up for the National Do Not Call Registry to reduce unsolicited calls.

What should I do if I suspect elder fraud or become a victim?

If you suspect fraud, immediately change your account passwords and place a fraud alert on your credit reports. Monitor your financial statements closely for suspicious activity. Report incidents to authorities such as the FBI (ic3.gov), the Department of Justice Elder Fraud Hotline (833-372-8311), or the Federal Trade Commission (877-382-4357 or ftc.gov/complaint).

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Ashton Gardens

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Chronicles Of The Heart

RESIDENTS SAY INDEPENDENCE IS A TOP PRIORITY

Below, residents explain how much they appreciate the freedom they experience at our independent living community. It’s empowering to continue to make your own decisions, and you’re free to create your day around your personal interests.

Emergency Preparedness for Seniors

February 07, 2024

11 Minute Read

Hurricanes. Tornadoes. Heat waves. Ice storms. How would you deal with any one of the many situations that require an emergency response? In addition to a cool head and quick thinking, you’ll benefit from an emergency preparedness plan that covers before, during and after an emergency or natural disaster.

Mobility impairment, medical conditions, cognitive difficulties and isolation make older adults less likely to successfully navigate these disasters. Depending on the enormity of the disaster, relief workers and first responders may not be able to help everyone right away. Even dependable support services such as caregivers, in-home health, and meal and prescription delivery may not be available during these times.

If you don’t already have an emergency preparedness plan in place for your loved one, the time to start is now. This blog will guide you through the five essentials of emergency preparedness for seniors:

  1. Understanding your risks
  2. Staying in touch and informed
  3. Creating personalized emergency preparedness plans
  4. Assembling an emergency kit
  5. Building a reliable support network

Statement of Fairness: Considering senior living options for yourself or a loved one? We’re here to help at every step. And even though we specialize in independent living communities, our goal is for YOU to find your best path to gracious retirement living, and part of how we achieve that is by providing reliable information on all types of senior living, not just the ones we offer. When our offerings serve as useful illustrations to a specific topic, you can find that information in the attached sidebar.

1. Understand the Risks

Before creating an emergency preparedness plan, it’s crucial to understand the specific risks your loved one may face.

  • Local climate and weather patterns. Research the typical weather conditions in your loved one’s area. Identify the likelihood of extreme temperatures, storms, hurricanes, floods or wildfires. Understanding these local weather patterns helps in preparing for seasonal challenges.
  • Geological hazards. Determine if the region is prone to earthquakes, landslides or other geological events. Knowing the specific risks associated with the area enables better preparation for these potential emergencies.
  • Health and mobility. Evaluate your loved one’s health status comprehensively. Consider chronic illnesses, prescription medications and medical equipment needs. Consider their ability to evacuate quickly, and identify any mobility aids or assistance required for a swift and safe departure.

Look to your local resources.

  • Determine the proximity of your loved one’s residence to emergency services, hospitals and community resources.
  • Research available community resources such as shelters, evacuation routes and designated safe areas.
  • Contact local utility companies for information about their electricity, water and gas outage procedures.
  • Get a copy of the area’s emergency preparedness and communication plans.

Check for risks inside the home.

  • Know how and when to turn off the home’s water, gas and electricity at the main switches or valves. Keep a set of tools nearby.
  • Check the batteries on smoke and carbon dioxide detectors inside the home. The National Fire Protection Association encourages homeowners to change the batteries in these devices once a year.
  • Review home insurance policy coverage. Homeowner policies do not usually cover flood damage.

2. Stay in Touch and Informed

Ensure your loved one has a reliable means of receiving alerts and updates. Invest in a weather radio, sign up for local emergency notification systems and familiarize yourself with community warning systems. Follow the instructions from police, fire and city officials.

Sheltering in Place

During a winter storm, pandemic, tornado, active shooter incident or similar situations, people are advised to shelter in place. That means staying home until further notice.

Evacuation Orders

In case of wildfires, floods, hurricanes and other big disasters, a mandatory evacuation order may be issued. Local, county and state officials will direct people to emergency shelters and evacuation centers.

To locate area shelters,

Communicate and Coordinate

Ensure your family and those willing to help have updated contact information. Consider keeping a list of emergency numbers easily accessible near the phone.

If your loved one has mobility problems, medical conditions and devices, or is unable to drive, the sooner you act the better. Your emergency preparedness plan should identify a neighbor or family member who can get to your loved one’s home quickly. Contact the local county registry to make sure first responders know that this older adult needs extra assistance. Consider signing up for Smart911, a public safety service that provides additional information to first responders.

3. Create an Emergency Preparedness

Senior woman filling out paperwork

Start with essential information.

  • Who are three capable people you can count on to act fast and help your loved one in an emergency? Decide on a phone chain, listing who is first, second and third to call.
  • Include evacuation routes and meeting points with loved ones in case of sudden emergencies.
  • Pick up multiple copies of the community’s disaster plans and evacuation routes. Store in different safe places and distribute to designated family members.
  • Where are shelters and evacuation centers located? Are they pet-friendly?
  • Explore emergency alert systems offered by local authorities and weather services. Investing in a battery-powered radio or a landline phone can be a lifesaver in case of power outages.
  • Make copies of Medicare, Medicaid and other insurance cards.

Stock up on the essentials.

  • Who can make sure the cupboards are full? Natural disasters and other emergencies may require one to two weeks’ worth of food and water for your loved one and their pet.
  • Keep a supply of over-the-counter and prescribed medications on hand.

Individualize the emergency preparedness plan for your loved one’s needs.

  • Engrave a medical ID bracelet for your loved one that lists medical conditions, medications, allergies and emergency contacts.
  • If your loved one has regular medical treatments at a hospital or clinic, find out how they operate during a disaster. Research a secondary provider if needed.
  • If your loved one doesn’t drive, who can provide transportation in case of an evacuation?
  • If evacuation is necessary, who can care for the pets?

Make your emergency preparedness plan official.

  • Write the plan down in detail. Include instructions on medication administration and how to operate lifesaving equipment and medical devices.
  • Do a run-through and practice the plan.

4. Assemble an Emergency Preparedness Kit

Person filling out emergency preparation checklist

Basics

  • One gallon of water per person per day plus extra for pets
  • Non-perishable foods and pet food
  • Flashlight and batteries
  • First aid kit
  • Battery-powered radio and a NOAA weather radio
  • Whistle
  • Dust mask
  • Moist towelettes, garbage bags and plastic ties
  • Wrenches and pliers
  • Manual can opener
  • Cell phone with chargers and a backup charger

Emergency supplies

  • Soap, hand sanitizer and disinfecting wipes
  • Fire extinguisher
  • Paper and pens
  • Paper cups, plates, paper towels and utensils
  • Change of clothing and shoes
  • Sleeping bag and warm blankets
  • Cash
Download An Emergency Supply List.

Documents

  • Contact information for relatives, doctors, pharmacies and caregivers
  • Medicare, Medicaid and insurance cards
  • Photo ID
  • A durable power of attorney and medical power of attorney
  • Local maps

You can find the full list of documents on the Federal Emergency Management Agency (FEMA) website.

Customize the kit with medical necessities.

  • At least a 3-day supply of prescription medications
  • Non-prescription medications
  • Prescription eyeglasses, contact lenses, contact lens solution and reading glasses
  • Printed list of medical conditions and allergies
  • Hearing aids with extra batteries
  • Medical equipment and devices with instructions

Keep the kit up to date by checking expiration dates every six months.

5. Build a Reliable Support Network.

Building a support network is not just about having people nearby; it’s about fostering a community of care, collaboration and mutual assistance.

  • Family roles. Call a family meeting to discuss who does what. Make sure everyone knows what their responsibilities are and agrees to do them. Distribute house keys to everyone who will need them. They’ll also need to know where emergency supplies and medicines are kept.
  • Neighborhood connection. Get to know neighbors, and build relationships within the community. This familiarity fosters a sense of responsibility and shared commitment. Create a neighborhood directory with contact information.
  • Open communication. Establish clear lines of communication with neighbors, friends and local community members. Encourage open conversations about potential challenges during emergencies and the assistance your loved one may require. Share your loved one’s emergency plan with the support network, ensuring everyone is on the same page.
  • Emergency Contacts. Establish a clear chain of emergency contacts within the support network. Ensure that everyone knows who to contact first in case of an emergency and how to reach each other quickly.

Additional Resources

You can find more information about emergency preparedness for seniors from these trusted sources:

Emergency preparedness for seniors is a lifesaving resource.

By knowing the risks, staying informed and building a reliable support network, you can put a personalized emergency preparedness plan and kit in place and into action.

Emergency preparedness for seniors is an ongoing process. No one can anticipate every challenge, but by thinking ahead, you’ll help your loved one weather the storm with more confidence.

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Cypress Springs Style & Security

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Looking for vibrant senior living in Bradenton, Florida, that prioritizes safety and preparedness? Our pictures tell a story of a community designed for your peace of mind. You’ll see spacious apartments, an equipped exercise room, a sparkling pool and a community dining room that serves delicious food. What’s even better? Your meals, amenities and services are all seamlessly included in one monthly price.

As we prioritize your well-being and safety, you’re free to live each day with confidence and peace of mind. Come see for yourself how we blend vibrant senior living with a commitment to safety and readiness. Your journey to a secure and fulfilling lifestyle starts here!

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Safety/Disasters/Pandemics

13 min read

5 Elder Fraud Protection Tips

By learning about online safety, protecting personal information and staying cautious about finances, you can keep yourself or someone you love from being the next elder fraud victim.

Read More
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Frequently Asked Questions:

What are the most important steps in creating an emergency preparedness plan for seniors?

The five essentials of emergency preparedness for seniors include:

  • Understanding the specific risks in your area (such as hurricanes, tornadoes or floods)
  • Staying in touch and informed through reliable alert systems and communication plans
  • Creating a personalized emergency preparedness plan tailored to your loved one’s health and mobility needs
  • Assembling an emergency kit with food, water, medications and important documents
  • Building a reliable support network of family, neighbors and community resources

How should seniors and their families stay informed and connected during an emergency?

Seniors and their families should ensure access to local emergency alerts by investing in a weather radio, signing up for local notification systems and keeping emergency contact lists up to date. It’s important to identify a neighbor or family member who can assist quickly, especially if the senior has mobility or medical issues. Registering with services like Smart911 can also help first responders provide tailored assistance.

What should be included in an emergency kit for seniors?

An emergency kit for seniors should contain at least one gallon of water per person per day, non-perishable food, a flashlight, batteries, a first aid kit, a battery-powered radio, a whistle, dust masks, moist towelettes, necessary tools, a manual can opener and a cell phone with chargers. It should also include medical necessities like prescription and non-prescription medications, eyeglasses, hearing aids with extra batteries, medical equipment, and a printed list of medical conditions and allergies. Important documents such as insurance cards, photo ID and power of attorney forms should also be included and kept up to date.

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FIND YOUR COMMUNITY

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Allen,
Texas

Independent Living

Alexis Estates

Know More
Portland,
Maine

Independent Living

Ashton Gardens

Know More
Johns Creek,
Georgia

Independent Living

Ashwood Meadows

Know More
Chapel Hill,
North Carolina

Independent Living

Azalea Estates

Know More
Rancho Cordova,
California

Independent Living

Bear Hollow Estates

Know More
Asheville,
North Carolina

Independent Living

Bella Vista

Know More

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STORIES, INSIGHTS & RESOURCES

As you and your loved ones navigate the exciting opportunities retirement presents, thoughtful planning is key. Stay informed with empowering articles for seniors covering health, lifestyle, finance and more.

A simple, minimalistic line drawing of a plant stem with several pointed leaves, created with thin, dark lines on a transparent background.

Chronicles Of The Heart

RESIDENTS SAY INDEPENDENCE IS A TOP PRIORITY

Below, residents explain how much they appreciate the freedom they experience at our independent living community. It’s empowering to continue to make your own decisions, and you’re free to create your day around your personal interests.

Advanced Care Planning: Finding Clarity Before Crisis

January 17, 2024

12 Minute Read

Advance Planning for Your Future Health Care

For many of us, discussing our health is a touchy subject. And most of us don’t want to think about the possibility of a serious condition or illness occurring. That’s why only about a quarter of American adults have a plan for their future health care.

Health care planning for the future is a journey of proactive preparation, ensuring that your well-being remains at the forefront of your decisions. It’s a process that empowers you to navigate the complexities of health care with confidence, knowing that your wishes and preferences will be respected and honored. It’s a daunting task, but it need not be approached with fear. Think of it instead as an empowering opportunity to take control of your future health and care.

You’re probably asking yourself, Where do I start? This article is a great first step and will give you the groundwork for advance care planning (ACP). By assessing needs, exploring various care options, addressing legal matters, and seeking emotional and social support, you can make informed decisions to ensure a comfortable and secure future.

Statement of Fairness: Considering senior living options for yourself or a loved one? We’re here to help at every step. And even though we specialize in independent living communities, our goal is for YOU to find your best path to gracious retirement living, and part of how we achieve that is by providing reliable information on all types of senior living, not just the ones we offer. When our offerings serve as useful illustrations to a specific topic, you can find that information in the attached sidebar.

Disclaimer: This content is not intended as financial advice. Remember to review your plans and budgets with a licensed financial professional when making significant financial decisions.



What is Advance Care Planning?

Simply put, ACP is a process that helps you make decisions about your future medical care. It involves talking to your loved ones and your doctor about your wishes and then documenting those wishes in writing, called an advance directive.

Advance directives are legal documents that tell your doctor your wishes about your health care in the event that you are unable to communicate your wishes. It states your instructions and names a health care proxy, a person whom you trust to make medical decisions for you.

Why is Planning for Future Health Care So Important?

When your preferences are clearly documented in writing, health care providers and loved ones have a roadmap to follow, ensuring that your wishes are carried out, even if you are unable to communicate them directly. Without advance directive documents, state laws determine who makes medical decisions on your behalf.

That means that a family member could be responsible for making decisions about your health care. Making major medical decisions during a crisis can be emotionally overwhelming for your family and friends. They may face uncertainty about your wishes, struggle with conflicting emotions and feel pressure to make decisions that align with their own values rather than yours.

Consider an ACP as a thoughtful gift to your loved ones. By providing a roadmap, you’re sparing them the emotional burden of making difficult medical decisions during a crisis. ACP isn’t about predicting the future; it’s about ensuring your wishes are respected and your loved ones are supported.

Remember, it’s never too soon to start planning. The best time to begin is when you are healthy. Life comes at us with twists and turns, and knowing you have an advance care plan in place will give you and your family peace of mind.

How Do I Plan for Future Health Care?

The answer lies in answering three fundamental questions:

  1. What are my values and goals for my future care? Reflect on your values, beliefs and aspirations for your future well-being. Consider what kind of care you envision for yourself, whether it’s maintaining independence, prioritizing comfort or receiving specialized treatment. What kind of medical treatment would you want if you became seriously ill and unable to express your wishes?
  2. What are my current and potential health needs? Assess your current health status, including any existing medical conditions, medications and limitations. Talk to your doctor about potential health concerns that may arise and how they might impact your care needs. This understanding will help you identify appropriate care options and support systems.
  3. Who do I want to put in charge to make sure my wishes are carried out if I am unable to do so? This takes reflection and discussion with family members and professionals. Once you’ve made your decisions, you’ll formalize them in two ACP documents: an advance directive and a medical power of attorney.

Step-by-Step Advance Care Planning

  1. Decide on your future care by reflecting on your values.
  2. Think about who you would trust to make medical decisions if you are unable to do so yourself.
  3. Talk with your doctors about your ACP.
  4. Create an advance directive (also known as a living will).
  5. Name a person as medical power of attorney to make health care decisions on your behalf.
  6. Give copies of your advance directive to your medical power of attorney, doctors and other family members.
  7. Review the document often and make changes if needed.

Who Should Be Involved in My Future Health Care Planning?

Talk to people you trust. Involving the right people in your future health care planning is crucial to ensure your wishes are respected and your care aligns with your values and preferences. Your primary care physician, specialists and other health care providers are invaluable resources for advance care planning. They possess a deep understanding of your medical history, current health status and potential future needs. Engage in open and honest conversations with them to discuss your values, preferences and treatment options, ensuring that your advance care directives align with your health care goals.

It can also include:

  • Family members
  • Spouse
  • Religious leaders
  • Friends
  • Legal professionals
Woman reviewing paperwork with senior

How Can I Plan for Future Medical Conditions?

Age, lifestyle, diet, activity level and family history play a role in your health.

  1. Get regular physicals and checkups.
  2. Discuss your health risks with your doctor.
  3. Many medical conditions run in the family. Genetic testing can identify whether you share the same traits.

With that knowledge and by speaking with your doctor, you’ll gain insight into what your health care needs might be.

Nurse taking seniors blood pressure

Exploring Care Options

At the heart of ACP lies a deep reflection on your values and beliefs. What matters most to you in life? What kind of quality of life do you envision for yourself? These questions serve as your compass, guiding your decisions as you explore various care options. Based on your values, would you want:

  • CPR (resuscitation) if your heart stops beating?
  • To be put on a ventilator or other artificial life support if you could no longer breathe on your own?
  • A feeding tube if you can no longer swallow?
  • Palliative care focusing on pain control instead of aggressive treatment and medication?
  • To be sent to a hospice rather than a hospital for end-of-life care?

Your advance directive will also state whether you want to be an organ or tissue donor or give your body to a medical school or research institute. Remember, these are personal choices, and there are no right or wrong answers. The key is to have open and honest conversations with your loved ones and health care providers, ensuring that your wishes are known and respected.

What Legal Documents Do I Need?

Advance Directive. Your advance directive or living will contains the answers to the questions above. It lets doctors know what medical treatments you want and which ones to avoid. You can specify conditions when these treatments should or should not be used.

Medical Power of Attorney. A crucial component of ACP is the designation of a medical power of attorney (MPOA), also known as a health care proxy or agent. This legal document allows an individual (referred to as the “principal”) to appoint someone they trust to make medical decisions on their behalf if they become unable to communicate or make decisions for themselves.

The appointed agent acts within the scope of authority outlined in the document, covering aspects such as surgery, medications and end-of-life care. Activation of the MPOA occurs only under specific conditions when the principal is unable to do so. Regular communication between the principal and the agent ensures that medical decisions align with the individual’s preferences. The MPOA, a legally binding tool, provides individuals with the assurance that their health care choices will be respected even in times of crisis, offering clarity and control in the face of medical uncertainties.

What Resources Can Help Me Make Advance Care Planning Decisions?

Harvard Health Publishing offers a free downloadable guide to advance directives, living wills and other strategies for communicating health care preferences. You’ll also find forms for medical power of attorney, health decisions worksheet and a generic living will (advance directive).

The National Institute on Aging also offers numerous free resources to help with advance care planning, including worksheets, guides and checklists. You can get advance directive forms from:

Update Your Plans Regularly

Advance directives are living documents that should be reviewed and updated regularly to reflect any changes in your health, circumstances or preferences. As your life unfolds, revisit your decisions and ensure your advance directives remain consistent with your evolving wishes.

Take Control and Gain Peace of Mind

Advance care planning empowers you to take charge of your medical decisions and ensure that your wishes are respected. It’s a journey of proactive preparation, allowing you to align your care with your values, preferences and quality of life aspirations.

Remember, you’re not alone in this process. Reach out to your health care team, family members, and trusted advisors for guidance and support. Take advantage of the resources available to you, engage in open and honest conversations, and make informed decisions that reflect your true self.

Woman hugging senior woman

By creating an advance care plan, you’re not just planning for the future; you’re safeguarding your autonomy, ensuring peace of mind for yourself and your loved ones, and shaping your health care experience with clarity, control and dignity.

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Every day brings more joy at Osprey Heights

Four elderly adults are sitting around a wooden table playing a game of Jenga. They appear to be in a spacious and well-lit room, engaged and smiling as they take turns carefully removing blocks from the tower. The atmosphere is friendly and relaxed.

Discover what active independent senior living in Valrico, Florida, is all about. Three made-from-scratch meals served every day. A calendar filled with fun, interesting events and activities. A Resident Travel Program that invites you to visit over 70 communities across the U.S. All included in your monthly rent.

Have a look at our newsletter to see what we’re up to this month.

Stay active in the community

you love at Pioneer Ridge

Residents riding on the transportation bus

Welcome to independent senior living in McKinney, Texas. Our active social community is in a quiet neighborhood near retail stores, churches, care services and more. Our convenient transportation services will get you where you want to go. 

And when you’re at home in Pioneer Ridge, there’s still plenty to do with excellent dining and daily activities.

We’ll be happy to show you around.

Request a Tour

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Levels of Care

10 min read

10 Questions Older Adults Should Never Skip at Their Doctor’s Visit

Open and informative conversations with our health care providers become increasingly valuable in ensuring that we can live healthy lives filled with vitality and joy. 

Read More
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Frequently Asked Questions:

What is advance care planning, and why is it important for seniors?

Advance care planning (ACP) is the process of making decisions about your future medical care, including the types of treatments you would want or not want if you become unable to communicate your wishes. It involves having open conversations with loved ones and health care providers, and documenting your preferences in legal documents called advance directives. ACP is important because it ensures your wishes are respected, reduces stress and uncertainty for your family, and helps you maintain control over your health care decisions even if you’re unable to speak for yourself.

What documents should I have as part of my advance care plan?

The two key documents in advance care planning are an advance directive (or living will) and a medical power of attorney (also called a health care proxy). The advance directive outlines your treatment preferences, while the medical power of attorney designates a trusted person to make health care decisions for you if you’re unable to do so. It’s important to complete these forms, share copies with your health care providers and loved ones, and review them regularly to reflect any changes in your wishes or health status.

When should I start advance care planning, and who should be involved?

It’s best to start advance care planning while you are healthy and able to make decisions, rather than waiting until a crisis occurs. Involve your primary care physician, specialists, family members, and any other trusted individuals in the conversation. These discussions help ensure everyone understands your values and preferences, and that your advance care plan truly reflects your wishes for future medical care.

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FIND YOUR COMMUNITY

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Allen,
Texas

Independent Living

Alexis Estates

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Portland,
Maine

Independent Living

Ashton Gardens

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Johns Creek,
Georgia

Independent Living

Ashwood Meadows

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Chapel Hill,
North Carolina

Independent Living

Azalea Estates

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Rancho Cordova,
California

Independent Living

Bear Hollow Estates

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Asheville,
North Carolina

Independent Living

Bella Vista

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STORIES, INSIGHTS & RESOURCES

As you and your loved ones navigate the exciting opportunities retirement presents, thoughtful planning is key. Stay informed with empowering articles for seniors covering health, lifestyle, finance and more.

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Chronicles Of The Heart

RESIDENTS SAY INDEPENDENCE IS A TOP PRIORITY

Below, residents explain how much they appreciate the freedom they experience at our independent living community. It’s empowering to continue to make your own decisions, and you’re free to create your day around your personal interests.

Deciding on the Right Level of Senior Care

January 10, 2024

9 Minute Read

Facing the need for senior care can be a complex and emotional journey. We all yearn for our loved ones to thrive in environments that nurture their well-being and offer the support they deserve. Yet, navigating the diverse landscape of care options can feel overwhelming, shrouded in uncertainty and anxieties about the future.

It’s natural to worry about the impact on your loved one’s independence, comfort and sense of self. These concerns are valid, and we acknowledge the vulnerability that comes with finding the right fit. We understand that choosing the right care level is not just about ticking boxes; it’s about honoring individual needs and aspirations while ensuring a life filled with dignity and joy.

Our goal is to provide you with the knowledge and understanding you need to make the best choice for your loved one. We’ll explore the different types of senior care, their benefits and limitations, and offer practical tips to help you evaluate each option through the lens of your loved one’s unique needs and preferences.

Statement of Fairness: Considering senior living options for yourself or a loved one? We’re here to help at every step. And even though we specialize in independent living communities, our goal is for YOU to find your best path to gracious retirement living, and part of how we achieve that is by providing reliable information on all types of senior living, not just the ones we offer. When our offerings serve as useful illustrations to a specific topic, you can find that information in the attached sidebar.

What’s the Best Way to Choose the Right Level of Care?

Balance your loved one’s need for support alongside their desire for independence. Consider safety but give them the freedom to do what they can for as long as they can. Maintaining self-worth and personal agency boosts feelings of well-being and improves quality of life.

The key to success is thinking ahead. Know your senior care options and the kinds of needs they support. Having a plan in place will keep your family from being forced to decide under pressure.

What Are the Options for Senior Living?

Retirement communities offer maintenance-free living in safe, age-friendly homes designed for adults aged 55 and older. An enriching lifestyle along with healthy dining creates a nurturing, social atmosphere that promotes a positive quality of life.

Independent Senior Living

These communities feature a range of housing options, from apartments to freestanding homes, providing a comfortable lifestyle. Residents in independent living have the freedom to maintain autonomy in their lifestyle with the support of family or through services that allow them to achieve independence through outside care. Independent living empowers older adults to access assistance when they need it and stay fully in charge of their health decisions in the living situation that feels right for them.

Assisted Living

Assisted living residents benefit from the same amenities but have an individualized care plan that lists extra services to help them with the activities of daily living.

Senior couple walking and smiling

Skilled Nursing Facilities

Patients receive hospital-level care from trained medical staff. Skilled nursing can provide:

  • Physical therapy
  • Occupational therapy
  • Speech therapy
  • IV therapy
  • Post-stroke, after-surgery and cardiac care

Memory Care

This level of senior care provides maximum personal assistance in a structured, secure environment for those diagnosed with dementia, Alzheimer’s disease and other cognitive difficulties.

In-Home Health Care

For seniors choosing to live at home, trained professionals bring medical care to their door.

How Do You Determine the Right Level of Care?

As you weigh what level of care your loved one needs, consider these five areas.

Care needs assessment questionnaire

Based on your answers to this informal needs assessment, you can determine if the best situation is:

  • Independent senior living. Your loved one desires the freedom to maintain autonomy in their lifestyle with optional support from family or third-party services. They remain in charge of their health decisions and can access their choice of assistance then they need it. 
  • Assisted living or in-home health. Your loved one needs minimal assistance and supervision with daily activities like preparing meals and medication management. They can safely move around their home environment with the help of a walker or wheelchair, and they have good thinking and communication skills.
  • Assisted living, in-home health or skilled nursing facility. Your loved one requires hands-on daily assistance such as physical lifting, bathing and help with the tasks of daily living.
  • Skilled nursing or a memory care community. Your loved one requires maximum support with a caregiver doing most tasks for them.

Key Factors in Choosing a Senior Care Option

You’re not alone in making this decision. Get input from your loved one and family members.

Quality of Life

Some older adults thrive on the buzz of a big, social community. Others look for quieter one-on-one times and even a touch of solitude now and then. Natural landscapes or city streets? Arts and crafts or sports and physical activities? Retirement communities have monthly calendars of activities that will show you the themes and types of wellness that community supports.

Senior woman painting flowers on canvas

Care and Support

In assisted living, skilled nursing and memory care facilities, health care professionals and staff members work together on a needs assessment to create a personalized senior care plan. Mobility, medical conditions, fine motor skills, mental acuity, mood and awareness all play roles in this assessment.

Budget Considerations and Financial Planning

The key to affording senior care options is thinking long-term. Plan for annual rises in costs. Combining retirement income, savings and investments, along with funding from Medicaid or Veteran’s (VA) benefits, will get you started on a realistic budget. As the need for more assistance arises, the cost of senior living increases.

Legal and Contractual Aspects of Care Arrangements

When hiring in-home health or moving into independent senior living, assisted living, skilled nursing facility, or a memory care community, you will be asked to sign contractual agreements that will cover what will be provided, the financial responsibilities, and liabilities. Although the documents are long, read them carefully and consult a lawyer if necessary.

Professional Advice

Talk to people you trust.

  • Start with your loved one’s health care team. Attend appointments and check-ups as often as possible. Many hospitals have social workers on staff who can provide resources and counseling.
  • Ask a lawyer to review senior care contracts, and know your rights.
  • Enlist the aid of a financial planner or other knowledgeable professional to help you determine how much of the out-of-pocket costs you can handle.
  • Your local Eldercare can provide advice and connect you to services. They can answer questions about insurance and benefits, support services, housing, and legal rights.

Now that you’re familiar with your options for senior care, schedule visits to see these communities in action. Bring along your loved one and other family members and friends. Whether independent living, assisted living, skilled nursing, memory care or in-home care turns out to be the best fit for your loved one, you’ll feel confident you’re making the right choice at the right time.

Many families formalize agreements with family members. Caregiver contracts provide hourly wages to a relative or friend for at-home services. Talk to a lawyer about setting this up.

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Experience the Olympus Ranch Lifestyle

A group of seniors sitting around a table being served by a chef and a woman in a red sweater. The chef is handing over a plate while the woman pours coffee. Plates of food and cups are on the table. The background has a light, tiled pattern.

Three restaurant-style meals, over 50 spacious floor plans to choose from, and so many exciting activities are all included in your monthly rent. That also covers your utilities, basic cable, housekeeping and transportation. Our senior independent living community in Murray, UT, makes the most out of your retirement dollars so you’re free to enjoy the fun.

If you require basic assistance like medication reminders, third-party home health care agencies are always welcome.

You’ll Find Lots to Do at Estrella Estates

Hawthorn Senior Living - Estrella Estates

Maintenance-free independent senior living feels so good. Great meals, convenient transportation and your choice of over 40 spacious floor plans will make your apartment feel just like home. And if sightseeing throughout the U.S. is your passion, our Resident Travel Program is just the ticket – all at no additional expense.

Estrella Estates Gracious Retirement Living in Goodyear, AZ, offers a full range of amenities and services that will keep you active and involved.

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Levels of Care

13 min read

Continuing Care Retirement Communities: Are They Right for You?

Finding the ideal senior living arrangement is a significant step, and the landscape is rich with choices. But which one is right for you?.

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Frequently Asked Questions:

What are the main types of senior care options available?

The primary types of senior care include independent living, assisted living, skilled nursing, memory care and in-home health care. Independent living is ideal for seniors who want a maintenance-free lifestyle with minimal assistance, while assisted living provides more support with daily activities. Skilled nursing offers hospital-level care, and memory care is designed for those with cognitive impairments. In-home health care allows seniors to receive medical and personal support at home.

How do I determine the right level of care for my loved one?

To determine the right level of care, consider your loved one’s need for support with daily activities, safety, health conditions and desire for independence. A needs assessment can help identify whether independent living, assisted living, skilled nursing, memory care or in-home care best matches their situation. Always involve your loved one and family in the decision-making process and consult health care professionals for guidance.

What factors should I consider when choosing a senior community?

Key factors include the quality of life offered (such as social activities and community atmosphere), the level of care and support provided, budget and financial planning, legal and contractual aspects, and access to professional advice. Visiting communities in person, reviewing contracts and talking with trusted advisors can help you make an informed decision that honors your loved one’s needs and preferences.

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FIND YOUR COMMUNITY

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Allen,
Texas

Independent Living

Alexis Estates

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Portland,
Maine

Independent Living

Ashton Gardens

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Johns Creek,
Georgia

Independent Living

Ashwood Meadows

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Chapel Hill,
North Carolina

Independent Living

Azalea Estates

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Rancho Cordova,
California

Independent Living

Bear Hollow Estates

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Asheville,
North Carolina

Independent Living

Bella Vista

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Related Articles

STORIES, INSIGHTS & RESOURCES

As you and your loved ones navigate the exciting opportunities retirement presents, thoughtful planning is key. Stay informed with empowering articles for seniors covering health, lifestyle, finance and more.

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Chronicles Of The Heart

RESIDENTS SAY INDEPENDENCE IS A TOP PRIORITY

Below, residents explain how much they appreciate the freedom they experience at our independent living community. It’s empowering to continue to make your own decisions, and you’re free to create your day around your personal interests.

How Independent Senior Living Can Stretch Your Retirement Budget

November 22, 2023

11 Minute Read

Choosing independent senior living can be a smart financial decision for many adults. With the rise in the cost of living, it’s important to find ways to save money while still maintaining a high standard of living. Independent senior living communities offer a range of benefits that can help you do just that.

Explore how choosing all-inclusive independent living can save you money in the long run, from reduced maintenance costs to included amenities and services. The key to gaining financial freedom in your retirement is to find a balance between your desired lifestyle and financial security. We will explain the benefits of independent senior living and how it can stretch your retirement budget, providing not just a comfortable home but also financial freedom.

Statement of Fairness: Considering senior living options for yourself or a loved one? We’re here to help at every step. And even though we specialize in independent living communities, our goal is for YOU to find your best path to gracious retirement living, and part of how we achieve that is by providing reliable information on all types of senior living, not just the ones we offer. When our offerings serve as useful illustrations to a specific topic, you can find that information in the attached sidebar.

Disclaimer: This content is not intended as financial advice. Remember to review your plans and budgets with a licensed financial professional when making significant financial decisions.



What Is Independent Senior Living?

Independent senior living refers to residential communities designed specifically for adults over the age of 55, and in some cases over the age of 62, who can live a lifestyle without the intervention of care services offered by the community where they reside. These communities may offer a range of housing options, from apartments and condominiums to cottages or patio homes, where individuals are able to maintain their independence and access various amenities and services.

Unlike assisted living communities, residents in independent senior living communities do not receive care and assistance with activities of daily living as coordinated by the community, but they may promote their own independence through the assistance of third-party providers or family members. The social opportunity and added convenience of a maintenance-free lifestyle can be a highly appealing introduction to senior living for many people.

Why Choose Independent Living Sooner Rather Than Later

Imagine a community where you don’t have to worry about cooking meals, washing dishes or mowing the lawn. Where exercise classes, social activities and clubs are offered on-site. And where your friends live right next door. That’s independent living. And choosing independent living when you’re younger allows you to take full advantage of all the great offerings. These communities are not just places to reside; they are vibrant hubs of activity, social connection and enrichment.

Seniors sitting by firepit

Independent living communities offer a myriad of benefits to residents, including maintaining independence, enhancing social interactions, focusing on health and wellness, ensuring safety and security, enjoying a stress-free living environment, and achieving peace of mind through careful financial planning. By making this choice early, older adults can truly embrace the freedom and fulfillment that their well-deserved retirement years have to offer.

How Can Independent Senior Living Make My Money Go Further?

One of the biggest expenses in retirement is housing. If you own a home, you’ll have to pay for property taxes, homeowners insurance and home maintenance. Even if you don’t have a mortgage, these costs can add up, especially as you get older and need more assistance with home maintenance.

Predictable Monthly Expenses

Financial planning becomes easier with predictable monthly expenses. Independent senior living communities usually have a fixed monthly rate that covers housing, utilities, maintenance, dining and amenities. This predictability allows you to budget effectively, eliminating unexpected costs and providing peace of mind.

All-Inclusive Amenities

Independent senior living communities typically offer all-inclusive amenities such as fitness centers, libraries, community events, transportation services and even on-site dining. These amenities are designed to enhance your quality of life and eliminate the need for additional expenses. Instead of paying for a gym membership, entertainment or dining out, residents often have these services included in their monthly rent, saving them money in the long run.

Senior woman using ropes in the gym

Social and Recreational Opportunities

Maintaining an active social life and engaging in recreational activities are essential aspects of a fulfilling retirement. Independent living communities offer a variety of social events, clubs, and classes, often at no extra cost. These activities not only enrich your social life and promote health and wellness, but they also prevent the need for costly entertainment options outside the community.

Seniors putting together a puzzle

Downsizing and Cost Efficiency

One of the significant advantages of independent senior living is rightsizing, also known as downsizing. These communities often offer smaller, easier-to-manage apartments or cottages. By downsizing, you reduce maintenance costs, property taxes and utility bills, freeing up a considerable portion of your budget for other necessities or leisure activities.

How To Pay for Independent Living

Most adults pay for independent living using personal funds, such as retirement savings, pensions and income from investments. Some may also be eligible for government assistance or private insurance programs that can help cover the cost of independent living. Here are some of the most common ways to pay for independent living:

  • Personal funds. This includes retirement savings such as 401(k)s and IRAs, as well as pensions and income from investments.
  • Government assistance. The U.S. Department of Housing and Urban Development (HUD) offers several programs that can help low-income seniors afford independent living, including Section 202 subsidized housing and the Section 8 Housing Choice Voucher Program.
  • Private insurance. Some long-term care insurance policies may cover the cost of independent living, especially if you require some level of personal care assistance.
  • Life settlements. A life settlement is a financial transaction in which you sell your life insurance policy to a third party for a lump sum of cash. This can be a way to free up money to pay for independent living, but it’s important to weigh the pros and cons carefully before making a decision.
  • Consider a roommate. Choosing to share an apartment with a roommate in senior living cuts the cost of one of the biggest monthly expenses in retirement: rent. You’ll also get companionship and have less space to take care of.
  • Talk to a financial advisor. Ultimately, navigating your retirement journey with confidence requires expert guidance. Connecting with a seasoned financial advisor is the most proactive step you can take. These professionals specialize in crafting personalized plans tailored to your retirement goals. By consulting with a financial advisor, you gain invaluable insights into structuring your finances effectively. They can assist you in formulating a strategy for covering the costs of independent living with a plan tailored precisely to your unique needs.

Tips for Saving Money in Independent Senior Living

Independent senior living communities offer a great way for adults to maintain their independence while enjoying the benefits of community and support. However, the cost of independent senior living can vary widely, so it’s important to plan ahead and save money where you can. Here are some tips to keep in mind:

  • Choose a community that fits your budget.Not all independent living communities are created equal. Some communities are more expensive than others, so it’s important to shop around and find a community that fits your budget.
  • Take advantage of discounts and promotions. Many independent living communities offer discounts to residents. For example, you may be able to get a discount on your rent if you sign a long-term lease.
  • Take advantage of community resources. Many independent living communities include various activities, amenities, and services in the monthly rent. This includes transportation services, wellness programs, and educational classes. Take advantage of these resources to save money and stay healthy.

Maximize Your Retirement Budget Today

Independent senior living offers not just a comfortable and enriching lifestyle, but also significant financial advantages. By downsizing, enjoying all-inclusive amenities and services, benefiting from predictable expenses, and engaging in communal social activities, you can stretch your retirement budget further than you might have thought possible. 

It’s not just a matter of saving money – it’s about embracing a fulfilling lifestyle that enhances your overall well-being while securing your financial future. Consider exploring independent senior living options to make the most of your retirement years both financially and emotionally.

Disclaimer: This content is not intended as financial advice. Remember to review your plans and budgets with a licensed financial professional when making significant financial decisions.

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All the Things You Need

To Thrive at Olympus Ranch

Residents riding on the transportation bus

Olympus Ranch Gracious Retirement Living features an active lifestyle, with a full complement of amenities and services so you can enjoy your retirement and spend more time with family and friends. Included in the monthly rent are these benefits:

Worry-Free Retirement at

Wilshire Estates

Seniors and staff talking at a table

At Wilshire Estates Gracious Retirement Living, we take care of the stress that comes with owning a home so that residents are only responsible for their monthly rent and any additional services they need or have chosen. From weekly housekeeping and linen service to daily chef prepared meals, we’ve got it. Residents can spend their time trying a new fitness class, visiting a local café or socializing during happy hour. 

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Finance & Planning

9 min read

How to Protect Your Retirement Savings From Health Care Expenses

Our goal is to empower you with the knowledge and tools needed to make informed decisions, so you can plan for your health care expenses with confidence. Whether you’re about to retire or have already taken that leap, this guide will provide valuable insights and strategies that can help you achieve a secure retirement.

Read More
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Frequently Asked Questions:

What is independent senior living and who is it for?

Independent senior living refers to residential communities designed for adults typically over the age of 55 or 62 who are able to live independently without the need for daily care services. These communities offer a range of housing options and provide amenities and social activities that support an independent lifestyle.

How can independent senior living help stretch my retirement budget?

Choosing independent senior living can reduce major expenses like home maintenance, property taxes and utilities, especially if you downsize from a larger home. Many communities offer all-inclusive pricing that covers housing, amenities, social activities and sometimes even meals, which can help you better manage your monthly expenses and avoid unexpected costs.

What are common ways to pay for independent senior living?

Most people use personal funds like retirement savings, pensions and investment income to pay for independent living. Some may qualify for government assistance programs like HUD’s Section 202 or Section 8. Other options include life settlements or sharing an apartment with a roommate to reduce costs. Consulting a financial advisor is recommended to create a plan tailored to your needs.

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FIND YOUR COMMUNITY

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Allen,
Texas

Independent Living

Alexis Estates

Know More
Portland,
Maine

Independent Living

Ashton Gardens

Know More
Johns Creek,
Georgia

Independent Living

Ashwood Meadows

Know More
Chapel Hill,
North Carolina

Independent Living

Azalea Estates

Know More
Rancho Cordova,
California

Independent Living

Bear Hollow Estates

Know More
Asheville,
North Carolina

Independent Living

Bella Vista

Know More

Related Articles

STORIES, INSIGHTS & RESOURCES

As you and your loved ones navigate the exciting opportunities retirement presents, thoughtful planning is key. Stay informed with empowering articles for seniors covering health, lifestyle, finance and more.

A simple, minimalistic line drawing of a plant stem with several pointed leaves, created with thin, dark lines on a transparent background.

Chronicles Of The Heart

RESIDENTS SAY INDEPENDENCE IS A TOP PRIORITY

Below, residents explain how much they appreciate the freedom they experience at our independent living community. It’s empowering to continue to make your own decisions, and you’re free to create your day around your personal interests.

What Is Short-Term Senior Living?

October 20, 2023

11 Minute Read

When it comes to senior living options, there’s no one-size-fits-all solution. Adults today are increasingly seeking flexibility and variety in their retirement years, and one option gaining popularity is short-term senior living. The decision to explore a short-term stay at a senior living community can be a transformative experience, offering a unique window into a world of possibilities. Whether you’re seeking respite care, a taste of retirement community living, or simply a change of scenery, short-term stays provide an enriching opportunity.

Let’s explore the concept of short-term senior living, its benefits and why it might be the perfect choice for active adults looking to embrace adventure and flexibility in their retirement years.

Statement of Fairness: Considering senior living options for yourself or a loved one? We’re here to help at every step. And even though we specialize in independent living communities, our goal is for YOU to find your best path to gracious retirement living, and part of how we achieve that is by providing reliable information on all types of senior living, not just the ones we offer. When our offerings serve as useful illustrations to a specific topic, you can find that information in the attached sidebar.

What Is Short-Term Senior Living?

Short-term senior living, also known as respite care or a trial stay, offers adults the opportunity to experience the perks of senior living communities without the long-term commitment. It’s a flexible option that can range from a few weeks to several months, allowing seniors to explore new communities, make new friends and enjoy the amenities and services offered by senior living communities. It’s like taking a “test drive” of retirement living without fully relinquishing the comforts of home. 

Short-term senior living is also an excellent option for various situations, including post-hospitalization recovery and caregiver respite. If family members are on vacation and regular supports at home aren’t possible, or if your home is being renovated and you don’t want to stay in a hotel, a short-term stay offers a solution.

You will stay in a private furnished apartment and have access to all the amenities and services the community offers. Short-term stays offer a range of services tailored to the individual’s needs, promoting independence and providing a safe environment for adults to thrive.

What Are The Benefits of Short-Term Senior Living?

The freedom to explore. One of the greatest perks of short-term senior living is the freedom it offers. You’re not locked into a long-term contract or commitment, which means you have the flexibility to explore different communities, locations, care levels and lifestyles. It’s an excellent way to try out different options and see what suits you best without feeling like you’re making a permanent decision.

Senior woman using ropes in the gym

Escape the winter blues. Are you tired of shoveling snow and enduring harsh winters? Short-term senior living allows you to escape the cold and enjoy the warmth of a sunny destination during the winter months. Many senior living communities in warmer climates offer short-term stays, providing you with a chance to thaw out, stay active and make new friends while avoiding the snow and ice.

Maintenance-free living. Short-term senior living often includes amenities and services that rival those of high-end resorts. From fitness centers and swimming pools to gourmet dining and social activities, you’ll have access to a wide range of perks that can make your stay feel like an extended vacation. It also typically includes services such as housekeeping and maintenance. 

Socialize and make new friends. Choosing a short stay at a senior living community can be an excellent way to socialize and expand your social circle. Many adults who choose this option find themselves making lasting friendships with like-minded individuals. Whether you enjoy group fitness classes, arts and crafts, or simply sharing stories over a cup of coffee, short-term senior living provides ample opportunities to connect with others.

Test the waters. If you’re considering a permanent move to a senior living community but are unsure about making the leap, short-term living allows you to try it out before committing. You can get a real sense of what daily life is like in a community, learn about the services offered, and determine if it aligns with your needs and preferences. It’s like a trial period that helps you make an informed decision about your future.

Peace of mind for loved ones. Short-term senior living can also provide peace of mind to your loved ones. If your family is concerned about your well-being or need a break from caregiving responsibilities, a short-term stay in a senior living community can be a win-win solution. They’ll know that you’re in a safe and supportive environment, while you get the chance to relax and recharge.

Customized care. Many communities that offer short-term senior living also offer personalized care plans, which means you can receive the level of assistance you need, whether it’s minimal help with daily tasks or more comprehensive care. This will depend on the level of care offered at a community, whether it be independent living or assisted living or both. 

How Much Does a Short-Term Stay Cost?

Every senior living community is different when it comes to rates, but expect to pay between $99 to $250 or more daily. In addition, ask for a copy of the community’s financial policies to see what is included in the rate versus additional fees. You may have price options based on meal plans, the amount of assistance needed and activities. Note that Medicare and Medicaid only cover specific types of short terms stays and it’s important to check with your program specifics. 

What Should I Look For in Short-Term Senior Housing?

Assessing support needs. Before selecting a community for a short-term stay, it’s essential to evaluate your specific support needs. Different communities offer varying levels of care, so finding one that aligns with you is crucial.

Location and amenities. Consider the location of the community and the amenities it offers. A conveniently located community with facilities that match your interests can greatly enhance your experience.

Reputation and reviews. Research the reputation of the short-term senior living community by reading reviews and testimonials from residents and their families. Positive feedback and recommendations indicate a trustworthy and caring environment.

Young disabled woman using a voice controlled assistant

Is Short-Term Senior Living Right for You?

Short-term senior living isn’t just for respite care; it’s a chance to enrich your retirement experience and explore new possibilities. Here are some factors to consider when deciding if it’s the right fit for you:

  • Flexibility. Are you looking for a flexible living arrangement that doesn’t tie you down to a long-term commitment? Short-term stays allow you to come and go as you please.
  • Social interaction. If you’re seeking a more social and engaging retirement lifestyle, short-term stays offer abundant opportunities to connect with others.
  • Support needs. Depending on your health and support requirements, short-term senior living can be a suitable choice. Many facilities provide varying levels of care to accommodate individual needs.
  • Temporary respite. If you’re a caregiver in need of temporary respite or if you’d like your loved one to experience the benefits of senior living while you take a break, short-term stays can be an excellent solution.

See for Yourself

Embracing a short-term senior living experience can be an enriching journey for adults, and to truly find the perfect fit, we encourage you to visit all potential communities in person. Taking a personal tour and meeting the dedicated staff and friendly residents can be a transformative experience. It not only helps you get a feel for the atmosphere and amenities but also allows you to envision the warm and welcoming community that awaits you. 

These visits enable you to ask questions, gather information, and, most importantly, establish a sense of belonging. So embrace the chance to connect, discover and make informed decisions about your short-term senior living adventure. The firsthand experience will undoubtedly pave the way for a rewarding and fulfilling chapter in your life.

Time to Refresh and Renew

In the world of senior living, short-term stays offer a “no strings attached” approach to retirement living. They allow adults to explore new communities, make friends and enjoy the amenities and services of senior living without a long-term commitment. Whether you’re looking for adventure, a break for caregivers or a chance to try before you buy, short-term senior living may be the perfect choice. 

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Refined Culinary Experiences at The Rio Grande

A group of seniors sitting around a table being served by a chef and a woman in a red sweater. The chef is handing over a plate while the woman pours coffee. Plates of food and cups are on the table. The background has a light, tiled pattern.

Our executive chef and culinary team at The Rio Grande create homemade meals from scratch, as well as tempting desserts, three times each day. These are then served to your table by our friendly wait staff while you relax and converse with new friends. Our menu offers a variety of nutritional choices at every meal, and snacks and beverages are available anytime, at no extra charge.

“I enjoy being sociable in the dining room while eating delicious meals.”

—Chris Merrick, The Rio Grande, Rio Rancho, New Mexico

A Unique Approach to Independent Living at Southern Pines

Seniors and staff talking at a table

Hawthorn residences like Southern Pines have live-in management teams. These managers get to know each resident personally. Through this hands-on approach to independent living, our live-in managers are able to support and service residents when needed.

At select Hawthorn communities, managers live on-site and are available throughout the day. They eat the same meals, enjoy the same amenities and experience the same gracious retirement living experience as the residents. They treat residents like family because they live in the community alongside them.

Activities Abound at Hessler Heights

Hawthorn Senior Living River Rafting

At Hessler Heights Gracious Retirement Living, residents have the opportunity to engage with others and cherish meaningful connections. The community offers a diverse range of recreational activities that foster socialization and bonding among residents. Whether participating in lively card games, relishing live entertainment or exploring new dining experiences together, the focus is on cultivating friendships, embracing an active lifestyle and creating cherished memories full of joy and excitement.

“My mom looks forward each day to making new friends, participating in planned activities, enjoying the walking paths and outdoor landscape, and eating excellent meals in the gorgeous dining room.”

—The Meyers-Paynes, Hessler Heights, Leesburg, Virginia

UP NEXT

Senior and young hands holding each other
Selecting Your Ideal Community

11 min read

Assisted Living: Embracing Independence With Support

In this comprehensive blog, we will delve into the essence of assisted living, exploring the diverse range of services it offers and understanding the financial considerations involved. Armed with this knowledge, you can make a well-informed decision that ensures you or your loved one thrive in a nurturing and compassionate environment.

Read More
image outline of a leaf
image outline of a leaf

Frequently Asked Questions:

What is short-term senior living, and who is it for?

Short-term senior living, also known as respite care or a trial stay, allows adults to experience the benefits of a senior living community without a long-term commitment. Stays can range from a few weeks to several months and are ideal for those recovering from hospitalization, people whose caregivers need a break, or individuals wanting to explore retirement community life before making a permanent move.

What are the main benefits of a short-term stay in a senior living community?

Short-term stays offer flexibility, allowing you to “test drive” different communities and lifestyles without being locked into a contract. Residents enjoy private furnished apartments, access to amenities, personalized care plans and opportunities for social interaction. This arrangement also provides peace of mind for families, knowing their loved one is in a safe and supportive environment.

How much does short-term senior living cost and what is included?

Costs for short-term senior living typically range from $99 to $250 or more per day, depending on the community, level of care and services included. Pricing may vary based on meal plans, required assistance and activities. It is important to review each community’s financial policies for details on what is covered. Medicare and Medicaid cover only specific types of short-term stays, so it’s essential to check your program’s specifics.

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FIND YOUR COMMUNITY

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Allen,
Texas

Independent Living

Alexis Estates

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Portland,
Maine

Independent Living

Ashton Gardens

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Johns Creek,
Georgia

Independent Living

Ashwood Meadows

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Chapel Hill,
North Carolina

Independent Living

Azalea Estates

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Rancho Cordova,
California

Independent Living

Bear Hollow Estates

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Asheville,
North Carolina

Independent Living

Bella Vista

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STORIES, INSIGHTS & RESOURCES

As you and your loved ones navigate the exciting opportunities retirement presents, thoughtful planning is key. Stay informed with empowering articles for seniors covering health, lifestyle, finance and more.

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Chronicles Of The Heart

RESIDENTS SAY INDEPENDENCE IS A TOP PRIORITY

Below, residents explain how much they appreciate the freedom they experience at our independent living community. It’s empowering to continue to make your own decisions, and you’re free to create your day around your personal interests.

Aging in Place: The Truth Behind the Trend

September 29, 2023

12 Minute Read

Home. If just the sound of that word makes you feel all warm and cozy, you’re not alone. Three out of four adults aged 50 and older say they want to live in their own homes and in the same community as they grow older. The concept of “home” often holds a special place in our hearts. It is where cherished memories are created, where comfort and familiarity reside. 

For many of us, the desire to age in place – to remain in our own home as we grow older – is a natural inclination. However, like any significant decision, there are both advantages and challenges to consider when opting for this path. 

Right now, you may think that your current home is where your heart is. But before you make that decision, let’s consider what staying in your home would mean for you. In this article, we’ll explore the realities of aging in place, empowering you with insights to make an informed decision that resonates with your unique journey.

Statement of Fairness: Considering senior living options for yourself or a loved one? We’re here to help at every step. And even though we specialize in independent living communities, our goal is for YOU to find your best path to gracious retirement living, and part of how we achieve that is by providing reliable information on all types of senior living, not just the ones we offer. When our offerings serve as useful illustrations to a specific topic, you can find that information in the attached sidebar.

What Does Aging in Place Mean?

According to the Centers for Disease Control and Prevention, aging in place is “the ability to live in one’s own home and community safely, independently and comfortably, regardless of age, income, or ability level.” Everyone wants to be in control of their own lives, and being able to make that decision for yourself gives you a sense of satisfaction and peace of mind.

Senior and daughter reviewing paperwork

The Appeal Of Aging In Place 

Aging in place holds undeniable appeal, as it allows us to stay in a familiar environment where we have likely built cherished memories over the years. The appeal extends beyond physical spaces; it’s about preserving the emotional sanctuary that home represents. Aging in place empowers individuals to maintain their independence, crafting routines and rhythms that resonate with their unique lifestyles. 

It fosters the continuation of community bonds, enabling the cultivation of enduring relationships with neighbors and friends. While most of us dream of living out our days in the homes we love, there are many factors that can make aging in place difficult, and choosing to do so comes with certain costs that many don’t consider. Staying at home requires thoughtful preparation to ensure a safe, comfortable and supportive environment that caters to your evolving needs. 

What Resources Are Available If I Choose To Remain At Home?

The services you will require depend on your health and your family support system. Check your local Area Agency on Aging. They can help with assistance finding resources such as:

  • Meal deliveries, like Meals on Wheels
  • Transportation options
  • In-home health care agencies that offer medical services within a person’s residence, such as nurses, physical or occupational therapists or aides to assist with routine tasks
  • Senior centers that offer events, programs and adult day services
  • Health and wellness programs
  • Referrals to legal agencies, contractors and more

Is Aging In Place a Good Idea?

When it comes to aging in place, every situation is different. You love your home for so many reasons. You’re proud of it. Living in your own home makes you feel independent and in control. But no matter how comfortable your home is, aging in place has its own challenges. So, if you aren’t sure aging in place is ideal for you, what should you do?

Having an open and honest heart-to-heart conversation with your family can be incredibly beneficial. This kind of dialogue can shed light on your loved ones’ thoughts and perspectives, which you might not have been aware of previously. 

Recognizing that their concerns stem from their love and care for you can make the discussion more comfortable and constructive. It’s essential to keep in mind that as your health needs evolve, exploring options like home health care services or long-term care becomes crucial to ensure you receive the necessary medical attention and support.

What Are The Disadvantages Of Living At Home As An Older Adult?

Senior man using a leaf blower

Not all older adults encounter the same problems, but aging in place has disadvantages.

  1. Home maintenance. Household chores become increasingly challenging as both you and your home age together. Finding reliable help for household chores can be a hit-or-miss experience, making it harder to ensure your living environment remains comfortable and safe.
  2. Meals. Meal preparation becomes more complicated when cooking for just yourself or a small household. This often leads to skipping meals, resulting in inadequate nutrition and potential health issues.
  3. Transportation. As we age, transportation becomes a growing concern. Finding rides to appointments and going out to purchase essentials can be a daunting task, limiting our ability to maintain an active and independent lifestyle.
  4. Accessibility and safety. Getting older can cause our mobility and health needs to shift, making falls and accidents more prevalent. Aging in place may require you to implement safety measures to mitigate these risks. Modifying a home to accommodate these changes can be expensive and require extensive renovations, making it necessary to evaluate the feasibility of adapting the existing living space. 
  5. Limited access to care. While aging in place allows independence, it can become a challenge when access to necessary health care and caregiving services is limited. In case of emergencies or deteriorating health, being far from medical facilities can have severe consequences.
  6. Loneliness. Seniors may find themselves dealing with reduced mobility, which can lead to social isolation. Being confined to the home can limit opportunities for social interactions, leading to loneliness and feelings of detachment from the outside world.

These stressors can have a significant impact not only on your physical and mental well-being but also on the well-being of your loved ones who deeply care about you.

How Will My Finances Be Impacted If I Stay In My Home?

Senior man looking at credit card

Aging in place comes with costs. The things that are affordable now will only grow more expensive in five or 10 years. You’ll need to budget for the following major expenditures in addition to health care and other essentials.

  1. Home maintenance and upkeep. The grass needs mowing, and the house needs cleaning. Appliances, furnaces and air conditioners wear out. Some of these things you expect; others you don’t.
  2. Rising property taxes. No matter where you live, property taxes go up every year. Across the United States, the average tax on single-family homes rose 3% in 2022.
  3. Safety and accessibility modifications. Remodeling makes it easier and safer for you to age in place in your current home. Home modifications can cost you up to $10,000. The National Association of Home Builders certifies contractors who can install:
    • Nonslip flooring
    • Grab bars and grips
    • Walk-in tubs and showers
    • Ramps
    • Wider doors and hallways for wheelchairs, scooters and walkers

More extensive remodeling can bring your bill up even further. While these changes make it easier for you to age in place, they may make your home harder to sell and affect its value.

Exploring Alternatives: Senior Living Communities

When you imagine your ideal retirement, what comes to mind? You may envision yourself meeting new people, renewing old hobbies, traveling or just spending more time with family. For adults who want to enjoy a retirement lifestyle where they can pursue their interests without the burden of household chores and maintenance, independent living may be the right fit. 

A senior living community can be the perfect addition to your retirement plans because it offers services and amenities that are designed to enrich lives, encourage connections and promote independence. A few of the many benefits include:

  1. Social interaction. These communities foster a sense of belonging by providing numerous opportunities for socialization and engagement with peers through events, activities and communal spaces.
  2. Safety and accessibility. Senior living communities are designed with older adults in mind, with features that promote safety and accessibility for those with mobility challenges.
  3. Reduced responsibilities. By living in a senior community, residents can enjoy a more carefree lifestyle, as the burden of home maintenance and chores is taken care of.
  4. Enriching lifestyle. Many communities offer amenities such as fitness centers, libraries, arts and crafts studios, and more, allowing residents to pursue hobbies and interests that enrich their lives.

How Will My Finances Be Impacted If I Choose Senior Living?

That depends on your choice of retirement community. There are plenty of options to choose from, catering to almost every unique lifestyle and budget. To learn more choosing the right retirement community, read our blog. 

For seniors seeking an active and independent lifestyle with the added benefits of community amenities and services, independent living communities stand out as an ideal choice. Typically, these communities operate on a simple monthly rent basis, encompassing all the additional perks without any hidden charges. 

This transparent billing system provides a sense of reassurance, allowing you to embrace a worry-free experience. With a straightforward rental agreement, you have the freedom to relish the community’s offerings for both short- and long-term stays as part of your senior living journey.

Finding Your Perfect Balance

Ultimately, the choice between aging in place and alternative living arrangements is deeply personal and requires a holistic evaluation of the potential challenges and costs. It’s important to consider your physical health, support network, financial resources and personal preferences.

While aging in place can be a viable option, it’s crucial to approach it with realistic expectations. Balancing the desire for independence with the acknowledgment of potential obstacles is key to ensuring a fulfilling and secure future. Remember that you’re not alone in making this decision—reach out to loved ones, friends and professionals to help you navigate this journey.

By arming ourselves with knowledge, addressing challenges head-on and seeking appropriate support, we can pave the way for a rewarding future. As you contemplate this important decision, remember that there’s no one-size-fits-all answer. Your journey is unique, and your choice should reflect your desires, needs and dreams.

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Everything You Need at Heatherwood

Senior resident sitting on couch by fireplace

“I moved to Heatherwood in December of 2021. It took me a while to adjust to the prospect of senior living, but I’m glad I made the move and couldn’t be happier. I’ve made many new friends, and I expect to be here forever in my cozy painted apartment in Heatherwood.”

– Diane Grey, Tewksbury, Massachusetts

Thriving at Colonial Gardens

Daughter and mother hugging for photo

“We fell in love with the apartment [at Colonial Gardens] for my mother the first time we looked at it. It’s very bright and cheerful, and although it’s a studio apartment, it’s very spacious. She has the option of attending planned activities, which she does on many occasions, but also has the privacy of her own pad (as she calls it) when she needs it.”

– Mary Ann, daughter of Yolanda Hathaway, Beverly, Massachusetts

UP NEXT

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Selecting Your Ideal Community

13 min read

Choosing the Right Retirement Home

Depending on guidance from your loved ones can be tough, especially when their own schedules are so busy. You don’t want to put any extra pressure on them. That’s why it’s important to educate yourself about senior living communities, weighing both the benefits and drawbacks so that you can make a decision that will lead you toward your own version of happily ever after.

Read More
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image outline of a leaf

Frequently Asked Questions:

What does “aging in place” mean, and why is it appealing to many seniors?

Aging in place refers to the ability to live in one’s own home and community safely, independently and comfortably, regardless of age, income or ability level. Many seniors find this appealing because it allows them to remain in a familiar environment, maintain their independence, and preserve cherished routines and community connections.

What are some challenges or disadvantages of aging in place?

While aging in place offers comfort and independence, it also comes with challenges such as difficulty maintaining the home, preparing meals and accessing transportation. Seniors may face increased risks related to home safety and accessibility, limited access to health care or emergency services, and potential loneliness or social isolation as mobility decreases.

What resources are available to help seniors successfully age in place?

Seniors can access a variety of resources to support aging in place, including local Area Agencies on Aging, meal delivery programs like Meals on Wheels, transportation services, in-home health care, senior centers, and health and wellness programs. These resources help address daily living needs and promote safety, health and social connection.

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FIND YOUR COMMUNITY

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Allen,
Texas

Independent Living

Alexis Estates

Know More
Portland,
Maine

Independent Living

Ashton Gardens

Know More
Johns Creek,
Georgia

Independent Living

Ashwood Meadows

Know More
Chapel Hill,
North Carolina

Independent Living

Azalea Estates

Know More
Rancho Cordova,
California

Independent Living

Bear Hollow Estates

Know More
Asheville,
North Carolina

Independent Living

Bella Vista

Know More

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STORIES, INSIGHTS & RESOURCES

As you and your loved ones navigate the exciting opportunities retirement presents, thoughtful planning is key. Stay informed with empowering articles for seniors covering health, lifestyle, finance and more.

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A simple, minimalistic line drawing of a plant stem with several pointed leaves, created with thin, dark lines on a transparent background.

Chronicles Of The Heart

RESIDENTS SAY INDEPENDENCE IS A TOP PRIORITY

Below, residents explain how much they appreciate the freedom they experience at our independent living community. It’s empowering to continue to make your own decisions, and you’re free to create your day around your personal interests.

Assisted Living: Embracing Independence With Support

September 14, 2023

15 Minute Read

Is it Time to Make the Move to an Assisted Living Community?

As adults get older, it’s important to acknowledge and address changing health care needs. Assisted living is a popular senior care option that strikes the perfect balance between independence and support. However, families often delay making a decision to move until a crisis occurs. As a result, people are forced to make decisions under pressure.

If you’ve witnessed yourself or a loved one face physical hurdles with day-to-day tasks, like cooking, cleaning, or even bathing, it might be time for a positive transformation. Start exploring residential assisted living, and you’ll discover that older adults in these residences can still enjoy an engaging, active lifestyle.

In this comprehensive blog, we will delve into the essence of assisted living, exploring the diverse range of services it offers and understanding the financial considerations involved. Armed with this knowledge, you can make a well-informed decision that ensures you or your loved one thrive in a nurturing and compassionate environment.

Statement of Fairness: Considering senior living options for yourself or a loved one? We’re here to help at every step. And even though we specialize in independent living communities, our goal is for YOU to find your best path to gracious retirement living, and part of how we achieve that is by providing reliable information on all types of senior living, not just the ones we offer. When our offerings serve as useful illustrations to a specific topic, you can find that information in the attached sidebar.

What is Residential Assisted Living for Seniors?

Assisted living is a specialized residential option that bridges the gap between independent living and round-the-clock care. It is designed for seniors who require some level of assistance with daily activities, such as bathing, dressing and medication management. These communities provide a safe and supportive environment, ensuring that residents receive the personalized care they need while preserving their dignity and autonomy. Residents are encouraged to live as independently as possible and participate in engaging social and physical activities.

What is an Assisted Living Residence?

If you haven’t visited an assisted living community before, you may be in for a pleasant surprise. Shared living spaces feature places to socialize, dining rooms, libraries, gardens, cafés, beauty salons and more. Round-the-clock trained staff are on hand to care for their residents’ physical an emotional needs.

At What Age Do Most Older Adults Move to Residential Assisted Living?

Four out of five older adults endure at least one chronic condition, such as diabetes, high blood pressure, heart disease or depression. Almost 60% of them will need some form of long-term care. Although the average assisted living resident is 85 or older, there’s no magic number.

Because people are changing their views about senior living, older adults are starting to enter at a younger age. Gone are the days when independent living and assisted living residences were perceived as dreary, last-resort options for older adults.

Today, these vibrant communities have become hubs of vibrant activity, fostering friendships, promoting well-being and offering a remarkably high quality of life. From resort-style residences to cozy, intimate homes, the array of choices caters to diverse preferences, ensuring older adults find the perfect setting that aligns with their lifestyle and needs.

Is My Loved One a Good Candidate for Assisted Living? 

Assisted living senior housing is ideal for older adults and individuals who:

  • Still want to experience a socially active lifestyle
  • Desire to stay independent despite chronic health conditions
  • Are unable to maintain their own home or drive safely
  • Can no longer cook nutritionally healthy meals
  • Need daily personal care
  • Require help with dressing, bathing, eating and toileting
  • Have mobility problems
  • Do not need ongoing clinical care
  • Feel depressed due to social isolation
  • Show signs of unsafe behavior, like leaving the stove on, not locking the doors, wandering, etc.

Independent Living or Assisted Living?

Both independent living and assisted living retirement communities are dedicated to enhancing the quality of life for older adults, offering a maintenance-free lifestyle along with a range of planned activities and communal dining experiences.

While independent living communities feature safety modifications such as nonslip flooring, grab bars and wide hallways, they are specifically designed for older adults who maintain their mobility and independence in day-to-day self-care routines. It’s important to note that independent living does not provide staff qualified to oversee residents’ medications.

Memory Care or Assisted Living?

Memory care residences provide a haven of safety and dedicated support for seniors facing challenges such as dementia, Alzheimer’s and other cognitive difficulties. Highly trained staff diligently monitor medications and extend compassionate personal assistance, ensuring residents’ well-being. Through comforting routines and thoughtfully crafted activities, these residences offer a structured and enriching daily living experience.

In response to the growing demand for specialized care, numerous assisted living communities have embraced the concept of memory care and incorporated designated spaces to cater specifically to the unique needs of residents facing memory-related conditions. 

Skilled Nursing or Assisted Living?          

Currently, approximately 1.3 million people reside in skilled nursing communities across the United States. For individuals in need of comprehensive, round-the-clock care, skilled nursing facilities employ a team of dedicated professional and technical staff to meet those needs. This highly trained team includes physicians, registered nurses and licensed practical nurses who work tirelessly to monitor residents’ health conditions and administer rehabilitative therapies. For short-term care needs, Medicare Part A can often cover the associated costs.

In contrast, assisted living communities do not offer clinical care services. As a result, these communities place a stronger emphasis on providing a variety of social activities to promote engagement and foster a cozy atmosphere for residents.

Senior Living Community Amenities and Services

Senior living amenities

What are the Advantages of Assisted Living?

The benefits of assisted living include the combination of compassionate care that helps individuals with activities of daily living, paired with a lifestyle full of social activities, wellness programs and community outings designed to help seniors thrive. These mental and physical benefits can help you and your loved ones look forward to your next chapter. Get ready – it’s going to be a good one.

Senior woman exercising

Mental Benefits

  1. Social engagement: Assisted living promotes socialization through various activities, outings and events. Regular interaction with peers fosters a sense of belonging and reduces feelings of isolation and loneliness, contributing to improved mental well-being.
  2. Mental stimulation: Engaging in stimulating activities like games, arts and crafts, and educational programs keeps the mind active and sharp, enhancing cognitive function and reducing the risk of cognitive decline
  3. Reduced stress: The availability of personalized care and support in assisted living can alleviate stress and anxiety, allowing residents to focus on enjoying their daily activities and pursuits.
  4. Emotional support: Assisted living communities provide emotional support and companionship, helping residents build meaningful connections with both staff and fellow residents.
  5. Freedom from household chores: By relieving seniors of household chores and maintenance responsibilities, assisted living allows them to focus on activities they enjoy, leading to reduced stress and increased emotional well-being.
  6. Improved quality of life: The combination of personalized care, social engagement and access to various amenities can significantly improve the overall quality of life for older adults in assisted living.

Physical Benefits

1. Personalized care: Assisted living provides personalized assistance with activities of daily living, such as bathing, dressing and medication management. This level of support ensures that residents receive the help they need to maintain their physical health and hygiene.

2. Nutritious meals: Assisted living communities typically offer well-balanced, chef-prepared meals tailored to residents’ dietary needs and preferences. Proper nutrition plays a vital role in maintaining physical health and vitality.

Squash soup with bread on a plate

3. Medication management: Trained staff help residents manage their medications, ensuring that they take the right doses at the correct times. This reduces the risk of medication-related complications and promotes better health outcomes.

4. Regular health monitoring: Many assisted living facilities provide regular health checkups and monitoring of vital signs, enabling early detection of health issues and timely intervention.

5. Fitness and exercise programs: Assisted living communities often offer fitness classes and exercise programs designed to improve mobility, strength and overall physical health. 

6. Safe environment: Assisted living residences are designed with senior safety in mind, featuring features like handrails, emergency call systems and non-slip flooring to reduce the risk of falls and accidents.

How Much Do Assisted Living Communities Cost?

Understanding the costs associated with assisted living is essential for planning and budgeting purposes. The expenses can vary significantly based on several factors, including location, size of the living space and the level of care required. Here are some key components to consider:

  1. Monthly base rent: This covers the accommodations, utilities and access to communal amenities. The size and type of living space (private or shared) influence the monthly rent.
  2. Care services: Additional charges may apply for residents who require more personalized care or assistance with specific tasks. Community staff thoroughly evaluate potential residents to determine the level of care needed.
  3. Amenities and activities: Some communities offer all-inclusive packages that cover a wide range of amenities and activities, while others may charge separately for specific services or outings.
  4. Entrance fees and deposits: Certain assisted living communities may require an entrance fee or a deposit upon admission. These fees are usually refundable or applied toward the monthly costs.
  5. Personal expenses: Residents may have personal expenses related to shopping, salon services and other optional activities.

The average cost of assisted living in the United States ranges from $3,500 to $7,000 per month. However, it’s important to note that the costs can vary significantly depending on the location and the level of care provided. 

How Does One Pay for Assisted Living?

Savings, investments, pensions, Social Security and proceeds from home sales combine to pay for this expense, although for some, that’s not enough. While health insurance doesn’t cover these costs, long-term care policies may. If your loved one has served in the military, check with the U.S. Department of Veterans Affairs (VA) for eligibility and benefits. 

Does Medicare Pay for Assisted Living?

Neither Medicare nor Medicare Advantage will pay for assisted living senior housing.

Does Medicaid pay for assisted living?
Low-income individuals may be eligible to use Medicaid for some costs, but benefits vary from state to state. This federal program can help pay for assisted living and memory care services. These services include:

  • Personal care assistance like dressing, eating, bathing and toileting
  • Maintenance services, including grocery shopping, meal preparation, housekeeping and laundry
  • Transportation
  • Personal emergency response systems

Medicaid will not pay for room and board.

What Factors Should a Family Consider Before Choosing an Assisted Living Community?

Most importantly, talk to your loved one about their priorities and what makes them feel the most comfortable, happy and energized. Consider the next steps to take and tips for touring communities. As you visit these assisted living communities, make your time together feel adventuresome and optimistic.

What Features Should I Look for During a Tour?

Even if you live out of state, schedule a tour with all the retirement communities you are considering. Then, once you narrow down your choices, visit each location more than once.

Show up earlier than your appointment time so you can observe the average activity level of the community. Take pictures and talk to as many team members and residents as possible. Most communities will offer you and your loved one a complimentary meal and a chance to participate in some of their activities during your tour.

You’ll be given brochures explaining the community’s philosophy and the services it provides when you visit. But that’s just the start. Ask for a written copy of the following:

  • Residents’ rights
  • Emergency procedures
  • Financial policies
  • Contracts
  • State and local inspection survey results
  • Newsletters and calendars of events

 On your visit, look for the community’s safety features. You should see marked exits, handrails, grab bars, walk-in baths and showers, non-slip flooring and wide doorways. The community should be clean and cared for both inside and out. Also, expect to see comfortable shared spaces and smiles from residents and staff.

What Questions Should I Ask When I Visit? 

Here are our top 20 questions:

  1. How many residents live here?
  2. What is the staff-to-resident ratio?
  3. What kind of training do you give your staff? What are their credentials?
  4. What are your safety measures for building security?
  5. Can I see your emergency alert system?
  6. How are care plans determined, and who makes the assessment?
  7. What are the procedures for COVID-19?
  8. How do you help your residents manage medication?
  9. What amenities are there?
  10. Do you allow pets?
  11. Do you allow smoking?
  12. Do you have a calendar of daily activities? How often are those activities scheduled in the local community?
  13. How do you welcome new members into your community?
  14. How do you encourage your residents to participate in activities?
  15. Do you prepare meals in-house?
  16. Are there visiting hours? Can family members drop by anytime?
  17. What kind of transportation do you offer? Can residents schedule it to get to appointments? How far do you travel?
  18. How do you resolve residents’ or families’ concerns?
  19. How do you handle situations when residents want or need to move?
  20. How do you monitor resident and family satisfaction?
Assisted Living Tour Questions List

Live as Independently as You Want With as Much Support as You Need

Assisted living is an empowering senior care option that enables older adults to maintain their independence while receiving the necessary support and care. The range of services and amenities offered in these communities ensures residents can lead fulfilling and enriched lives.

Understanding the costs involved and making an informed choice empower families to provide their loved ones with the best possible care and a nurturing environment where they can age gracefully and happily. With the right assisted living community, you can rest assured that your loved one will be well cared for, socially engaged and surrounded by compassionate individuals who prioritize their well-being.

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Research Is Key

Woman reviewing paperwork with senior
  • Ask your loved one’s medical care team, friends, neighbors and social workers for recommendations.
  • Visit Medicare.gov for each community’s overall ratings, quality measures and staffing.
  • Get advice from Eldercare, a U.S. Administration on Aging public service. They can direct you to your local Area Agency on Aging.

UP NEXT

Seniors sitting in front of fireplace talking
Selecting Your Ideal Community

10 min read

What Is Independent Senior Living?

If you’re considering this retirement lifestyle choice for yourself or a loved one, you’ve come to the right place. In this blog post, we’ll explore the benefits of senior living.

Read More
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image outline of a leaf

Frequently Asked Questions:

What is assisted living and who is it best suited for?

Assisted living is a residential care option designed for seniors who need some help with daily activities (such as bathing, dressing and medication management) but still wish to maintain as much independence as possible. It is ideal for older adults who want to enjoy a socially active lifestyle but who require support with personal care or can no longer safely manage household tasks on their own. It is not suitable for those who need ongoing clinical or round-the-clock medical care.

How does assisted living differ from independent living, memory care and skilled nursing?

Assisted living bridges the gap between independent living and skilled nursing. Unlike independent living, assisted living provides personal care and medication management, while independent living is for those who can manage daily self-care independently. Memory care is a specialized form of assisted living for seniors with dementia or cognitive challenges, offering structured routines and enhanced safety. Skilled nursing facilities provide 24/7 clinical care and rehabilitation, which is not available in assisted living communities.

What are the main benefits and costs of assisted living?

Assisted living offers a blend of personalized care, social engagement, nutritious meals, medication management, fitness programs and a safe environment – all designed to improve quality of life and support independence. The average cost in the United States ranges from $3,500 to $7,000 per month, depending on location and care level. While Medicare does not cover assisted living, some long-term care insurance policies and Medicaid (for those who qualify) may help with certain costs, though Medicaid typically does not pay for room and board.

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FIND YOUR COMMUNITY

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Allen,
Texas

Independent Living

Alexis Estates

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Portland,
Maine

Independent Living

Ashton Gardens

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Johns Creek,
Georgia

Independent Living

Ashwood Meadows

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Chapel Hill,
North Carolina

Independent Living

Azalea Estates

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Rancho Cordova,
California

Independent Living

Bear Hollow Estates

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Asheville,
North Carolina

Independent Living

Bella Vista

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Chronicles Of The Heart

RESIDENTS SAY INDEPENDENCE IS A TOP PRIORITY

Below, residents explain how much they appreciate the freedom they experience at our independent living community. It’s empowering to continue to make your own decisions, and you’re free to create your day around your personal interests.

What Is Independent Senior Living?

August 04, 2023

11 Minute Read

Is Independent Living the Right Choice For You?

As we age, the idea of maintaining our independence becomes more and more important. That’s where independent senior living comes in. If you’re considering this retirement lifestyle choice for yourself or a loved one, you’ve come to the right place. In this blog post, we’ll explore the benefits of senior living.

From social activities to dining choices and unique floor plans, independent living offers a world of possibilities. So, let’s dive in and discover if it’s the right choice for you.

Our homes are filled with memories of family, friends and good times. Homes reflect who we are. Homes reflect our stories and our journeys. And while changing your living space, cleaning out your closets, and starting a new chapter can sound frightening, the move to independent senior living can be the catalyst that helps you live vibrantly while protecting your health, happiness and future.

Statement of Fairness: Considering senior living options for yourself or a loved one? We’re here to help at every step. And even though we specialize in independentlLiving communities, our goal is for YOU to find your best path to gracious retirement living, and part of how we achieve that is by providing reliable information on all types of senior living, not just the ones we offer. When our offerings serve as useful illustrations to a specific topic, you can find that information in the attached sidebar.

What is Independent Senior Living?

If you’re an older adult who doesn’t need help with daily living routines – like dressing, hygiene and medication management – independent retirement facilities were built with you in mind. These communities are designed to give older adults a sense of belonging, a safe place to live, social opportunities, and programs that meet their physical and emotional needs.

Can You Relate to Any of These Common Retirement Concerns?

Being Alone

As we age, it’s not uncommon to find ourselves spending more time alone. We simply don’t have as many social connections as we used to, and being alone can be difficult.

Staying Mentally and Physically Active

A healthy lifestyle can prevent or slow down change to maintain energy, mental clarity and physical resilience.

Home Upkeep

If your home care still includes mowing the lawn, shopping for groceries, washing the floors, doing laundry and tidying up, your to-do list never ends. Finding reliable and affordable help takes time, research and scheduling.

Safety

When someone rings your doorbell, what’s your first thought? If crime statistics have put you on alert, living alone can disrupt your sense of security, no matter how nice your neighborhood is or how long you’ve been living there.
Not only will you know what you’ll be spending monthly, but you’ll be enjoying an active lifestyle in an enriched environment created especially for older adults. The proceeds from selling a house is one way to pay for a senior living community.

Financial Security

Close up of woman putting money in a jar

Whether you’re a renter or a homeowner, rising housing costs and taxes can place a significant burden on your fixed-income household, according to a Bipartisan Policy Center study cited by the US Department of Housing.

If you’re nodding your head, you’re not alone. We talk to a lot of older adults who tell us the same things about the cost of living. The latest US census tells us that nearly a third of older adults live alone in America. That equates to about 14 million people who share your concerns.

We know the choices, research, and all the phone calls and visits can feel downright overwhelming, so let’s start with the facts about independent senior living.

What are the Benefits of Independent Living?

Senior couple walking and smiling

Communities offer a long list of goodies. Adults looking for positive, healthy aging in independent living facilities enjoy:

Are There Different Kinds of Senior Independent Housing?

Group of friends walking in the park

Depending on your lifestyle and budget and whether you require extra services, you can buy or rent a home, condominium, townhouse or apartment, along with extra storage space.

As you begin your research on your senior living options, you’ll find three kinds of housing.

55+ Communities

A 55+ community, also known as an active adult community, is a residential neighborhood in which you buy a home designed specifically for adults age 55 and older. These communities typically offer a range of amenities and services tailored to the interests of this age group, such as recreational facilities, fitness centers, golf courses, social clubs and organized activities. The goal is to create an environment for residents who are retired or nearing retirement age. Many 55+ communities also offer maintenance-free living options for residents who prefer to spend their time pursuing hobbies and interests rather than maintaining a large home and yard.

If you buy a home in a 55+ community, you’ll have far less maintenance to do, although you may find the homeowners association fees high, and your options can be limited.

Continuing Care Retirement Communities

Independent living in a Continuing Care Retirement Community (CCRC) offers seniors the opportunity to maintain their independence while also having access to a range of supportive services as they age.

CCRCs often have a tiered system of care that allows residents to move from independent living to assisted living or even skilled nursing care if needed without having to leave the community.

Stand-Alone Independent Living Communities

Stand-alone independent living communities are a fantastic option for older adults looking to maintain their independence while also enjoying the benefits of community living. These communities offer a range of services and amenities, from housekeeping to fitness centers and social activities, all tailored to meet the unique needs and interests of seniors. Choosing independent living homes can provide a sense of belonging and purpose, as well as opportunities for new friendships and experiences. With on-site staff always available, residents can rest easy knowing that help is close at hand if needed.

Many buildings feature spas, gyms, hair salons, cafés, game rooms, pools and movie theaters.

No matter which senior living style you choose, you won’t have the hassle of repairs and upkeep. These maintenance costs can be added to your monthly fees or included as part of your rent.

What is Dining Like in Senior Independent Living?

A group of seniors sitting around a table being served by a chef and a woman in a red sweater. The chef is handing over a plate while the woman pours coffee. Plates of food and cups are on the table. The background has a light, tiled pattern.

As we age, our bodies change in many ways, and our appetite is no exception. Older adults may experience a decrease or increase in appetite for a variety of reasons, including medication side effects and changes in taste buds. However, proper nutrition is crucial for maintaining good health and quality of life.

In an independent living community, nutritionally balanced meals are designed to meet the dietary and wellness needs of older adults.

While many apartments have kitchenettes, most people like to go to the community dining room so they can eat with friends. Some facilities offer plans with one to three meals a day, served restaurant-style or buffet.

What is There To Do When You Live in a Retirement Community?

Activity Coordinators put together a full schedule of things to do with lots of opportunities to socialize. Calendars fill up with arts, crafts, games, fitness classes, parties, holiday celebrations, outings, workshops, clubs and classes. The list goes on and on.

When people live by themselves or even together with their spouses, loneliness and boredom can creep in. The Centers for Disease Control tells us that socially isolated seniors run a higher risk of:

  • Heart disease and stroke
  • Depression and anxiety
  • Dementia

Individuals who choose retirement communities stay sharper longer and are busier – and happier – than ever

What Services Do Senior Living Facilities Offer?

Depending on where you live, light housekeeping and laundry services may be available as part of your monthly payments or for an extra fee. Washers and dryers are available in some residences.

Seniors can hop on the transportation bus to local events, appointments and shopping.

What is the Average Cost of Independent Senior Living?

Independent living costs are not like nursing homes. Northeastern states tend to have higher monthly costs, but it will all depend on the facility you choose, your floor plan, and any upfront costs and monthly fees.

By tracking your current expenses (Note: this will link to cost the worksheet chosen below), you can compare them to the costs of a retirement community. If you’re unsure of how to do this, enlist the help of a trusted family member, a savvy friend, or your financial advisor.

It’s time to explore the worry-free lifestyle at Hawthorn Senior Living community. Start independent living right now. Visit us today.

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Hank shares his favorite part of Ashwood Meadows – the dining service

Senior male sitting on couch holding onto cane

“I enjoy mealtime because they not only serve a wonderful variety of delicious foods, but it is also a time for fellowship with residents. The service is absolutely superb, and the servers are always friendly, knowledgeable and curteous. I can’t think of anytime better than mealtime at Ashwood Meadows, where outstanding food and friendly socializing come together.”

Hank Freedman, Ashwood Meadows. Georgia

Getting the most bang for your retirement buck.

A modern residential building with white and beige siding. It features a covered entrance and well-maintained landscaping. An American flag and another flag are in front. Several cars are parked nearby under a clear blue sky.

Senior living services and amenities provide excellent value and ensure that your retirement dollars go further. For example, residents of Kennedy Meadows in North Billerica, MA, enjoy a host of perks and activities, including beautiful 55-plus apartments and on-site amenities, including:

  • Three chef-prepared meals daily 
  • Caring live-in managers 
  • Weekly housekeeping and linen services 
  • All utilities paid (except telephone) 
  • Scheduled local transportation Safety call system in every apartment

Our goal is to make retirement a hassle-free and cost-effective experience.

UP NEXT

Three men, two younger and one older with gray hair, smile and laugh together outdoors on a sunny day, appearing happy and relaxed. The background is filled with greenery and soft sunlight.
Change & New Opportunities

12 min read

Embrace Change: Saying Yes in Your Retirement Years

Retirement. What images does it conjure up? A time to break free from the hectic pace of life? Adventure? Exploration? As enticing as that may sound, can all this freedom be too overwhelming?

Read More
image outline of a leaf
image outline of a leaf

Frequently Asked Questions:

What is independent senior living?

Independent senior living is designed for older adults who do not need help with daily routines such as dressing, hygiene or medication management. These communities provide a safe environment, social opportunities, and programs to support residents’ physical and emotional needs, all while allowing them to maintain their independence.

What are the main benefits of independent living communities?

Residents in independent living communities enjoy a maintenance-free lifestyle, often including housekeeping services, dining options, transportation and security. They also have access to a wide variety of social activities and amenities that promote a vibrant and healthy lifestyle.

Are there different types of independent senior living options?

Yes, independent senior living comes in several forms to suit various preferences and budgets. Options include 55+ communities (active adult neighborhoods), condominiums, townhouses, apartments and continuing care retirement communities (CCRCs), which offer tiered levels of care as residents’ needs change over time.

A simple, minimalistic line drawing of a plant stem with several pointed leaves, created with thin, dark lines on a transparent background.

FIND YOUR COMMUNITY

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fyc-state-search-01
fyc-geo-facet-01
Allen,
Texas

Independent Living

Alexis Estates

Know More
Portland,
Maine

Independent Living

Ashton Gardens

Know More
Johns Creek,
Georgia

Independent Living

Ashwood Meadows

Know More
Chapel Hill,
North Carolina

Independent Living

Azalea Estates

Know More
Rancho Cordova,
California

Independent Living

Bear Hollow Estates

Know More
Asheville,
North Carolina

Independent Living

Bella Vista

Know More

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As you and your loved ones navigate the exciting opportunities retirement presents, thoughtful planning is key. Stay informed with empowering articles for seniors covering health, lifestyle, finance and more.

Aging in Place: The Truth Behind the Trend

Aging in Place: The Truth Behind the Trend

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Home. If just the sound of that word makes you feel all warm and cozy, you’re not alone. Three out of four adults aged 50 and older…

Read More
Choosing the Right Retirement Home

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Independent Living

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Choosing the perfect senior living arrangement can be a daunting task. The best place for seniors to live depends on individual needs, preferences, and budget.…

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Assisted Living: Embracing Independence With Support

Assisted Living: Embracing Independence With Support

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A simple, minimalistic line drawing of a plant stem with several pointed leaves, created with thin, dark lines on a transparent background.

Chronicles Of The Heart

RESIDENTS SAY INDEPENDENCE IS A TOP PRIORITY

Below, residents explain how much they appreciate the freedom they experience at our independent living community. It’s empowering to continue to make your own decisions, and you’re free to create your day around your personal interests.

Choosing the Right Retirement Home

May 03, 2023

13 Minute Read

Independent Living vs CCRC: What’s Best for You?

Think about all the decisions you’ve made in your life. As you enter your retirement years, the decisions you make now are just as significant. When you start considering all your choices for senior living, it can be quite challenging to narrow down your options.

Depending on guidance from your loved ones can be tough, especially when their own schedules are so busy. You don’t want to put any extra pressure on them. That’s why it’s important to educate yourself about senior living communities, weighing both the benefits and drawbacks so that you can make a decision that will lead you toward your own version of happily ever after.

Statement of Fairness: Considering senior living options for yourself or a loved one? We’re here to help at every step. And even though we specialize in independent living communities, our goal is for YOU to find your best path to gracious retirement living, and part of how we achieve that is by providing reliable information on all types of senior living, not just the ones we offer. When our offerings serve as useful illustrations to a specific topic, you can find that information in the attached sidebar.

What Is the Best Place to Live for Seniors?

Let’s start by comparing two main types of senior living communities: independent living and continuing care retirement communities, also known as CCRCs. As you consider both choices, you’ll want to be clear about the differences between the two.

Independent living communities are designed for adults who typically don’t need help with the activities of daily living. If they do need additional help, they’ll need to seek it out without relying on the community’s staff. Residents enjoy all the amenities, services, and care support offered in their monthly rental fees.

CCRCs, or continuing care retirement communities, are designed for independent seniors who anticipate needing a significant level of medical care or daily living assistance in the future. Based on that, they live in apartments or suites devoted to independent living, assisted living, memory care or skilled nursing. Before moving in, residents sign a contract and pay an entrance fee along with additional monthly fees.

The best choice for you will depend on your individual needs.

Would Senior Independent Living Be a Good Choice for Me?

Senior couple playing piano

Senior independent living was designed for people who:

  • Are 55 and older.
  • Are relatively healthy and active.
  • Do not need help with daily routines like dressing, bathing, eating or medication monitoring.
  • Like to socialize and continue their hobbies and interests.
  • Want to live in a place of their own with freedom from home maintenance and upkeep.

What’s a Day Like in an Independent Living Community?

Here’s how Bonnie Harris describes independent living at Hawthorn Senior Living.

“I love living here because the apartments are very nice. I feel like a princess when I walk into the beautiful dining room. They prepare three meals a day of delicious food, which makes me happy because I do not like to cook. The activity director is my favorite – she is one in a million. My favorite activity is trivia. I have so much fun.”

Bonnie Harris, Sanford Estates, Georgia

Senior woman smiling for photo

Bonnie was able to choose an apartment with a floor plan she likes. She can stay in and relax or head out and socialize with her friends. She’s always welcome to share chef-prepared meals and be served restaurant-style in the community dining room.

Because independent living seniors like Bonnie are still on the go, scheduled transportation can drive her to local events, shopping and appointments.

From cultural and educational experiences to arts and crafts workshops, clubs, and fitness classes, Bonnie stays as busy as she likes. There’s a full calendar of activities at Sanford Estates that caters to her interests and hobbies.

Why Does Independent Living Make Sense?

You get all the benefits of independent senior living without the legal and financial risks of a CCRC’s contracts and costs.

What is a CCRC?

CCRC stands for continuing care retirement community. You’ll sometimes hear it called a “life plan” community. In this type of senior housing, you’ll find:

  • Independent living apartments, townhomes or stand-alone houses.
  • Assisted living apartments or studios.
  • Memory care apartments or studios for individuals diagnosed with dementia, Alzheimer’s or other cognitive difficulties.
  • Skilled nursing suites for people who need long- or short-term round-the-clock care from a professional staff who monitors health conditions and provides intensive rehabilitative therapies.
Nurse helping a patient walk

It’s hard to know what your future holds. You may never need anything more than an independent living situation. While that would be a good thing, you’d be paying for services at a CCRC that you might not ever need.

What Do I Need to Know About Contracts Before I Make My Decision?

If you move into a continuing care retirement community, you’ll be required to sign a complex, legally binding contract and pay an entrance fee along with monthly fees. If you run out of savings or choose to move, your entrance fee may or may not be refundable to you or your estate beneficiaries, depending on your contract. If the property is sold while you are living there, the terms of your contract may change. Ask the advice of a lawyer and financial advisor to avoid hidden costs and pitfalls.

When you move into independent living like Hawthorn Senior Living, you’ll sign a simple rental agreement. This allows you to enjoy the community as a short- or long-term senior living option.

Do All CCRCs Make You Sign a Contract?

Woman filling out paperwork

Yes. CCRCs all have contracts. These buy-in contracts typically come in three forms and determine the amount you’ll pay as an entrance fee.

 1. Extensive life-care contract (Type A). Assisted living, along with medical and nursing care, will be provided at no extra cost to you. You are prepaying for health care services that you may or may not need in the future.

2. Modified contracts (Type B). You’ll receive medical services for a limited time and up to a certain dollar amount. If you need more care in the future, your costs will rise.

3. Fee-for-service contracts (Type C). This is a pay-as-you-go model, and while this is the least expensive amount initially, the monthly fees keep adding up as the services you need increase.

Example senior living contract
Source: https://mylifesite.net/blog/post/how-do-ccrc-payment-structures-work/

What Do I Need to Know About Costs Before I Make My Decision?

The decision to live in a CCRC means you’ll be making a major upfront financial investment in the form of an entrance fee and paying even more money in monthly charges. This can mean spending the majority of your lifetime savings. Many people use up the profits from their house sale, pensions, long-term care insurance and other retirement savings to make that large initial investment.

When you move into independent living at Hawthorn Senior Living, you’ll pay only month-to-month rent. You’ll never be charged an entrance fee or additional monthly fees. You get to keep the nest egg you’ve worked so hard for throughout your lifetime.

Is a CCRC a Good Financial Fit for Me?

Across the country, this initial payment averages out to approximately $402,000 but can range from $40,000 to $2 million, according to the non-profit National Investment Center for Seniors Housing & Care.

How Much Should I Budget for Monthly Fees in a CCRC?

Senior woman sitting on couch with laptop

Once again, the costs vary and usually rise to keep pace with inflation. Expect fees that may be as low as $500 and top out over $3000.

Source: https://www.seniorhomes.com/ccrc-costs/#entrancefee

Download our Senior Living Cost Worksheet to create a snapshot of your current budget. Then compare those amounts to the entrance costs and extra monthly fees you will be responsible for at a CCRC.

What’s the Difference Between Independent Living at a CCRC Versus Traditional Independent Living?

Level of care:Independent living communities do not provide personal care. At CCRCs, you’ll find housing for independent living, assisted living, memory care and skilled nursing.
Cost: Independent living communities are usually less expensive than CCRCs.
Commitment: Independent living communities typically do not require a long-term commitment, while CCRCs often require a one-year or longer commitment.
Location: Independent living communities are often located in suburban or rural areas. CCRCs are most often located in metropolitan areas.

How Do I Make the Choice Between Senior Independent Living on Its Own or as Part of a CCRC?

Although a CCRC has a higher cost and contract, the advantages are:

  • Although you may never need assisted living, memory care or skilled nursing, you have the option to stay in the same community if your health changes.
  • You can plan and prepare for your future care needs in advance.
  • A CCRC can accommodate you and your spouse if you have different levels of health or mobility, although you may not be able to live in the same apartment.

Before you visit continuing care communities, take a look at your current budget. Will you be able to cover the upfront costs of moving in as well as the monthly fees? Our free senior living cost sheet can help you get an estimate of the costs associated with different types of senior living arrangements.

Choose an independent living retirement community if:

  • You want to feel at home in a place where you feel loved and connected.
  • You want to live out your retirement years without all the work of home ownership.
  • You’re looking forward to staying active and involved in your community.
  • You are a healthy and independent active adult who is comfortable managing your own care.
  • You don’t want to pay a higher price for care that you may never need.
  • Signing a complex contract with a high financial obligation sounds risky to you.

Should I Make the Move to Senior Living?

Forget about the old notions that you may have had about retirement homes. Senior living communities are now active places that cater to the interests and needs of older adults. While there are many types of senior living to consider, making an informed decision means comparing the important differences between communities.

Senior friends at the beach

What Are the Benefits of Moving to Senior Living?

Here are just a few of the good things about a retirement community.

Socialization: Being around other people is good for you – both mentally and physically. Retirement communities provide many great opportunities to socialize with your family and other community members. Activity directors plan games, classes, parties, holiday celebrations, outings and more. These fun events make it easy for you to stay active and engaged while living your best life.

Security: Security is of utmost importance in a retirement community. With emergency alert pendants, secure apartments and fall prevention measures in place, seniors can rest assured that their safety is paramount. Whether the community employs security guards or has gated entryways, residents enjoy the peace of mind that comes with knowing they are protected from potential harm.

Amenities: Retirement communities often feature a variety of amenities, such as dining rooms, swimming pools, fitness centers, hair salons and libraries. These amenities are hubs of activity and key to helping you thrive in your new home.

Care: Some retirement communities offer continuing care, which means they provide various services depending on people’s needs. Independent living, assisted living, memory care and skilled nursing support seniors in their well-being and daily living.

You’re Invited to Visit Us at Hawthorn Senior Living.

At Hawthorn Senior Living, we like to keep things simple – simply wonderful, simply fun and simply the right choice for independent senior living. We’re ready to answer all your questions. Come for a visit and enjoy one of our delicious meals. We can’t wait to meet you.

Download Senior Living Cost Sheet

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Frequently Asked Questions:

What is the difference between an independent living community and a continuing care retirement community (CCRC)?

Independent living communities are designed for adults aged 55 and older who are healthy, active and do not require assistance with daily activities. These communities offer amenities, social opportunities and maintenance-free living but do not provide personal care or medical support. In contrast, CCRCs offer a continuum of care, including independent living, assisted living, memory care and skilled nursing. This allows residents to transition to higher levels of care as their needs change. CCRCs require a complex contract and a significant entrance fee, while independent living typically involves a simple rental agreement and monthly rent.

What should I consider before signing a contract with a retirement community?

If you are considering a CCRC, you will be required to sign a legally binding contract and pay an entrance fee in addition to monthly fees. These contracts can be complex, and the entrance fee may or may not be refundable, depending on the terms. It’s important to consult with a lawyer and financial advisor to understand the financial commitment, potential hidden costs and what happens if you run out of savings or need to move. Independent living communities usually require only a rental agreement, with no entrance fee or long-term financial obligation.

What are the main benefits of moving to a senior living community?

Retirement communities offer numerous benefits, including opportunities for socialization through planned activities; enhanced security with safety features and emergency systems; a range of amenities like dining rooms, fitness centers and libraries; and, in some cases, access to continuing care services. These features help seniors stay active, engaged and secure, supporting their well-being and independence as they age.

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FIND YOUR COMMUNITY

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Allen,
Texas

Independent Living

Alexis Estates

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Portland,
Maine

Independent Living

Ashton Gardens

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Johns Creek,
Georgia

Independent Living

Ashwood Meadows

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Chapel Hill,
North Carolina

Independent Living

Azalea Estates

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Rancho Cordova,
California

Independent Living

Bear Hollow Estates

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Asheville,
North Carolina

Independent Living

Bella Vista

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