Types of Senior Communities

Senior Living  Options
A Perspective on Senior Housing Options:Today, more than ever before, Downsizing seniors have many housing options.   Many seniors committed to ideas that they formed years ago concerning how they would, and would not spend their post-retirement years.  Facts and Fresh perspectives can help seniors clarify misconceptions and make decisions about what is actually best for them. Continuing Care CommunitiesContinuing Care typically means ‘lifetime care’.  Generally there may be a set monthly expense, as well as a ‘buy in’ tor entrance fee to the community.  As the senior’s health changes, the monthly expense will likely increase as you need more care.  In many cases the continuing care may facilitate a move to a different area of the Community.   The terms “pay-as-you-go” and “a la carte” are definitions used for programs at Continuing Care Communities.  A prorated portion of the entrance fee is usually refunded depending on the length of time a person resides in the community. Life care CommunitiesLife care is a form of Continuing Care, but it takes it one step further. It is usually referred to as the “extensive care plan.” Life care means care forever on the same premises with no increase in fees, except for the yearly inflation increases.   Many people think of Life care as a form of long-term care insurance. You may pay a higher entrance fee than in a Continuing Care community, but the financial security of knowing that once you are in you won’t have an increase in your medical costs as long as you live can be reassuring. A person must be able to live independently upon moving in and must pass a physical exam given by a professional at the community. Assisted Living CommunitiesDesigned for the more ‘active senior’, Assisted living communities are appropriate for individuals who are unable to function in an independent environment, but who don’t require the level of supervision and care provided in a skilled nursing community. Most residents need some assistance with Activities of Daily Living (ADLs), such as bathing, dressing, grooming, housekeeping, and medication monitoring. The staff oversees these things as well as offers social activities and outings for shopping or doctor appointments. Residents are free to come and go as they please and have access to in-house amenities, such as salons and whirlpool tubs.These types of communities are private pay and vary in price. They are rented on a month-to-month basis, although some may require a lease. Apartments are small and sometimes include a kitchenette with a microwave and small refrigerator. Meals are provided in a common dining area, usually three times daily. Independent Retirement CommunitiesIndependent retirement communities are not licensed and offer a variety services. They usually have a minimum age requirement and rent from month to month. The key here is that they are “independent” retirement communities, meaning they DO NOT provide medical care. Most will arrange for independent home health services to come in if needed temporarily; however, when a person is required to have ongoing medical care, they will no longer be eligible to live in the community.Independent Retirement Communities typically offer full kitchens, some meals in a common dining room, housekeeping, paid utilities (except telephone and cable), laundry facilities, 24-hour staffing, and private areas for tenant use. Since these communities are not licensed, they can charge whatever the market will bear and are not subject to uniform regulations like licensed communities. Some are affiliated with churches, schools, and other community programs.Skilled Nursing CommunitiesSkilled nursing communities are known historically as “rest homes” or “nursing homes.” Residents at these communities are typically unable to live independently and need more medical assistance than assisted living communities will provide.Skilled communities offer 24-hour nursing care, assistance with bathing, feeding, grooming, physical therapy, occupational therapy, and other medically necessary services. A nursing care community can be a temporary arrangement while someone is recovering from surgery or a stroke, or it can be permanent if a person is going to need ongoing medical care and/or supervision. Levels of care in nursing communities can vary from unit to unit within the same community, some offering more or less services than others. There are no age requirements for living in nursing communities; therefore, persons of any age with chronic illnesses or injuries may also reside there. Memory CareMany skilled nursing communities have added a section designed specifically for dementia patients and their special needs. Some Lifecare and Continuing Care Communities have also added special Alzheimer’s care. These areas are typically secured and require a code for access in and out for the safety of those residents who have a tendency to wander. All specialized units are different, so it is important to ask questions and tour the entire community to get a feel for the overall care provided and services offered.Planned Adult CommunitiesPlanned Adult CommunitiesAre apartments and condominiums or single-family homes built around a core of services and amenities. Residents can own their own property and must abide by the covenants, codes, and restrictions administered by a governing body which deals with the policies of the community facilities, property requirements, charges and assessments, and provisions of the association of homeowners. In some parts of the country, these types of communities are promoted as recreational and are located on golf courses and lakes.