Downsizing

Reduce Maintenance and Costs

- Less time, effort, and money required for upkeep, with no yard work to worry about.

- Everyday tasks like cleaning and maintenance become much easier.

- Lower utility bills, property taxes, and insurance costs help save money.

- Downsizing can unlock equity for retirement and reduce or eliminate your mortgage.

Enhance Safety and Accessibility

- Eliminates stairs, creating a safer living environment.

 

- Easier navigation reduces the risk of falls and injuries.


-Compact spaces are simpler and more affordable to modify for aging in place.

Simplify Life and Strengthen Connections

- Encourages decluttering for a simpler, less stressful lifestyle.


- Allows you to move closer to family and spend more time with loved ones.

 

- Creates a more manageable and fulfilling living experience.

Aging in Place

Family Taking Care of Family

 

When caring for family, here are some important considerations to keep in mind.
 

- Accessibility: Add ramps, grab bars, or stair lifts to help with mobility.


- Fall Prevention: Remove tripping hazards, secure rugs, and improve lighting to reduce fall risks.


- Emergency Systems: Install devices to alert family or emergency services when needed.


- Medication Management: Create a clear system to keep medications organized and on schedule.


- Chronic Disease Management: Learn about and plan for managing any chronic conditions.


- Support Network: Build a reliable support system of family, friends, and neighbors for assistance.


- Telemedicine: Use virtual doctor visits to minimize travel and make medical care easier.

Home Care
 
This is a private hire, bringing care into the home to support daily activities.
 
This typically includes:
 
- Companion Services

- Personal Care: bathing, dressing, eating, continence, transferring & toileting

- Limited HealthCare: check vitals and temperature

- Meal preparation: help with eating and cleaning up

- Light housekeeping: such as vacuuming, dusting & sweeping

- Walking and moving: use of wheelchairs, walkers & lifts

- Transportation & Escort Services:  shopping, errands, picking up prescriptions & doctor visits
 
Can cost 
Single individual: $24 - $30 per hour
Couple: $30 - $40 per hour
Home Health Care
 
Similar to home care but involves skilled medical services provided by a registered nurse.
 
Typically when you need injections or wound care.
 
Usually includes Physical Therapy, Occupational Therapy, and Speech Therapy.
 
Medical Reimbursement Requirements:
- Must be homebound
- Requires physician's prescription
- Typically covers up to 100 days per year (per specified health event)
- Long-term care can cover but check with your provider
- Care provided by a licensed agency
 
Can cost
$35 - $75+ an hour
24-hour care: $15,000 - $20,000 per month
Adult Day Services
 
These are programs designed to support older adults who need assistance during the day while their family members or caregivers are at work.
 
Social Adult Day Services: Focus on providing social activities, meals, recreation, and some health-related services.

Adult Day Health Care: Provide more intensive health, therapeutic, and social services for individuals with medical conditions and those who require more comprehensive care and monitoring.

Services Offered:
- Social and Recreational Activities
- Meals and Nutrition
- Health Services
 
Can cost
Adult day services: $75 - $150 per day
Adult Day Health Care: $100 - $200 per day

Retirement Communities 

Joining a retirement community offers many benefits, particularly for those seeking a vibrant effortless, and enjoyable lifestyle. Here’s why many people choose to join:

- Community and Social Interaction: These communities provide a built-in social network, helping prevent isolation and supporting mental well-being through daily interactions.

- Maintenance-Free Living: Retirement communities take care of cooking, cleaning, and maintenance, allowing residents to enjoy their retirement without household burdens.
- Safety and Security: Equipped with security features like secured entry, personnel, and emergency systems for peace of mind.
- Access to Health and Wellness: Many communities offer on-site healthcare, fitness centers, exercise classes, and partnerships with healthcare providers.
- Activities: Retirement communities host various activities, from social events to educational classes, helping residents stay engaged and active.
- Family Peace of Mind: Families can feel secure knowing their loved ones are in a safe, supportive environment with care if needed.
Typically Includes: 3 meals per day, 24-hour security, Maintenance and repairs, Selected utilities, Activities and programs, Fitness center

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Month-to-Month Retirement Communities

A month-to-month retirement community offers flexible living with no long-term contracts. Residents pay monthly for accommodations and services, making it an attractive option for several reasons:

 

- No Large Entry Fee
- Monthly Cost
- Flexibility: Residents are not locked into long-term contracts.

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Continuing Care Retirement Communities (CCRC)

CCRCs offer a full range of care options, from independent living to assisted living to skilled nursing, all within one community. This allows residents to transition between care levels as their health needs change, without moving to a new facility.
 
- Large Entrance Fee and Monthly Cost
- Life Care Agreement: Lifetime use of residence even if needs a higher level of care.
- Financial Review Required
- Health benchmark assessments

Adult Residential Care Homes (ARCH)

An Adult Residential Care Home is a type of residential care home designed to provide care services in a more home-like environment.

 

Environment:
ARCHs are often single-family or multi-family homes designed to feel more like a private home which can make residents feel more comfortable. These homes typically have fewer residents ranging from 2 to 10 or more, but generally fewer than 20.

 

Staffing:
Adult Residential Care Homes have caregivers on-site 24/7 to assist residents. Typically, the staff-to-resident ratio is better than in large institutions, allowing for more personalized care.

 

Regulation:
ARCHs are regulated at the state level, and requirements can vary from state to state.  These care homes are regulated by the department of health and must have proper licensing, inspections, and compliance with specific care and safety standards.

Levels of Care

Independent Living

Independent living facilities are designed for seniors who are able to live on their own without daily assistance but wish to benefit from a community environment that offers convenience and social activities.
 

Assisted Living


Assisted living provides residential living with extra support for daily tasks. It’s a good middle ground for those who need assistance with daily activities but do not require the intensive medical and nursing care provided in a nursing home.
 

Skilled Nursing


Skilled nursing facilities (SNFs) provide round-the-clock care and medical attention by licensed health professionals. Medical care provided includes wound care, intravenous (IV) therapy, injections, physical therapy, and monitoring of vital signs under the supervision of registered nurses. 

Memory Care


Specialized care designed specifically for individuals with Alzheimer’s disease, dementia, or other types of memory problems. Memory care units often have secured areas to prevent wandering, a common issue for people with memory impairments.