Tag: Senior Care

Skilled Nursing Facilities

Skilled Nursing Facility

We don’t like to think about this level of retirement housing but it is always waiting in the wings. It may just mean that you need therapy and physical assistance after recovering from surgery or other medical problems before returning to your own home. It doesn’t have to be a negative experience, but it is important to make your wishes known to your family before the unexpected occurs.

A skilled nursing facility, or nursing home, provides care to those who need nursing care but do not need to be hospitalized. This kind of care may be needed after a major surgery, an accident or for step down care after leaving a hospital if you are too frail to go home.

Essential Element For Nursing Facilities

Nursing FacilitiesAn essential element to grasp regarding skilled nursing facilities is that levels of care can vary, even within the same facility, ranging from intensive round the clock nursing, to personal care with minimal assistance and without any active nursing care.

Hospital facilities, called extended care facilities, are located within the hospital itself and provide the next highest level of nursing care after being hospitalized for an acute episode of some kind. These facilities are expensive and are not meant for long term residence so the average stay is only one or two weeks.

For example st paul medical clinic, a non-hospital based medical clinic will also provide comprehensive nursing care and includes a multitude of other services. A Skilled Nursing facility can be for either short-term, post-hospitalization recovery, or long-term for a permanent impairment.

A Skilled Nursing facility is often a comprehensive health care center, which means as you get better you can move down to the next level (an intermediate care system).

Intermediate Care Facilities

Nursing Care For SeniorsAssisted Living Care Facilities are good for those who are unable to live independently, but do not require intensive nursing care. These places provide medical attention and assistance with eating, dressing and bathing. There is always a licensed nurse on duty for emergencies.

Medicare and private insurances will pay only up to their coverage limits. Care has to be prescribed specifically by a physician and the patient has to have been recently discharged from an acute care hospital.

The only way to determine if a nursing home is a good one is to visit it yourself. Speak with staff members and with the residents and keep your eyes open. Your first impression may be your most important screening tool, but visit at different times of the day and ask questions about everything. Ask for and read state inspection reports. If you are looking at long term care and perhaps Medicaid coverage you will want to make sure the facility meets the requirements. Multiple moves are very confusing to people who already have a lot of negative things going on in their lives. Just because you are old does not mean that you don’t have the right to be happy. Finding a nice place is important but don’t forget that it is equally important to select a facility that is close to where the rest of family resides. Nursing home staff members are warm and caring individuals but it is up to the family to provide true social interaction.

Funding Options on How to Choose a Certified Aging in Place Specialist

Funding Options on How to Choose a Certified Aging in Place Specialist

How to Choose a Certified Aging in Place Specialist

Let’s talk about how to choose a Certified Aging in Place Specialist. Also, let’s talk about some financing options for aging in place modifications. In general, there are two types of funding to pay for modeling of your parents’ home, private and public. The most likely source of private funds are their own. Perhaps they have enough savings to cover the renovations or a home equity loan might be a good source of funds, especially if they have sufficient income to cover monthly payments verses just taking out all of the cash from their savings.

Medicaid HomeAnother option is a reverse mortgage which could also free up funds to pay for other services such as in home senior care. It’s best to check with your parents’ Financial Advisor before making a determination on which of these options might be best for them. Sometimes home modifications can be prescribed by your parents’ doctor. If that’s the case, get the prescription in writing and your parents may be able to claim a medical deduction on their federal Income Tax return.

On the same note, check with your parents’ private health insurance company to see if they will pay for the modification. Show them the prescription from the Doctor or Physical Therapist. If the insurance company says no, getting a written letter of denial is suggested. Other private funding options include contributions, donations and in-kind work from family members, community service groups, churches or other non-profit organizations. Be sure to check with your parents’ local Senior Center or Council on Aging for possible referrals.
The other funding option is public sources which are normally income and needs based. Funds may be available for home modification under the Medicaid Home and Community Based Services Waiver. Another option is to call your local Social Security office to see if any of the equipment your parents need might be covered under Medicare PACE Program, or if either of your parents is a veteran, contact the local VA to see if funding is available through that agency.

Medicare PlansMany states and communities also offer home modification programs to help some homeowners pay for necessary changes. Local community development or social services agencies usually administer these programs, so contact your parents’ town or city hall for information. Some of these community programs have carpenters, plumbers, electricians and painters on staff to do the work.

Other programs furnish free labor and the homeowner purchases the necessary material. Low interest or no interest loans, usually not repayable until the homeowner sells or leaves the home are offered by other programs. Some programs simply provide a list of reliable contractors and assist in the process of receiving bids, selecting the contractor, developing a contract and ensuring that the work is performed in accordance with the contract.

As you can see there are certainly a lot of options out there, it’s wise to help your parents do their homework before committing to any aging in pace or other home improvement project. Doing so could save your parents’ valuable dollars all while making their house a place where they’ll be able to call home for a lifetime.