Getting Started: Senior Housing for You
Do I need senior housing and what is it all about? This is a question frequently asked when families are faced with the fact that mom, dad or they themselves are no longer living safely or happily in their current home. We realize that folks usually do not want to leave their present home, but sometimes circumstances make that very difficult. Get started with good information and professional consultants.
Factors to Consider
The three most prevalent reasons to move are…
- Is the current environment safe?
- Is isolation or inactivity becoming an issue?
- Would being closer to family put the senior and/or the family at ease?
For most families the thought of a move is daunting. However there are resources to assist in the process. Specialized companies help educate families about local Senior Housing choices. Specialists help with sorting, downsizing, packing and moving. Getting the proper help makes the process much easier.
Options to Consider
- “Buy-in” communities (CCRC’s)
- Month-to-Month rentals (Independent, Assisted &/or Memory Care)
- Board and Cares (Also called Residential Care Homes)
Each type of housing caters to a slightly different audience. The choice is usually a personal one made by the family or individual, unless it is a medical decision.
Continuing Care Retirement Communities (CCRC)
The CCRC’s are a continuing care option with a substantial up front “buy- in” fee. In some communities you buy Real Estate but not in most cases. Each is different. We suggest you have an attorney and your financial planner read over the extensive contracts. They require a thorough analysis of your finances and your medical history. Upon acceptance and your “purchase”, they will take care of your living needs for your life. They usually have the options of Independent Living, Assisted Living, Memory Care and Skilled Nursing. As your needs increase, they will move you into the area in their community that serves those requirements. Most charge extra for this personal care.
Month-to-Month Rentals
The month-to-month rentals will charge a small fee upon your moving in, and charge on a monthly basis. They usually provide Independent Living, Assisted Living, and Memory Care. Your monthly fee covers meals, transportation, housekeeping, maintenance, activity programs, and utilities. There may be extra charges for cable TV, and phone. Should you need care services for activities of daily living (dressing, bathing and medication help) a care plan will be agreed upon and will be charged separately. In most cases you can stay in your original apartment and the services will be provided to you. They also provide an active social program, and restaurant style dining.
Board & Care Homes
The Board and Cares are in private homes that have been adapted for 6 or so residents. They are usually for folks who are not very active. They also charge a monthly fee and all family-style meals and care are provided. Their activity program is limited.
As addressed you can see the choices are many and varied. Start early and learn what is available so you will be better prepared. In the SF Bay area we are fortunate that there are many options in each category to choose from depending on your needs, preference of geography and budget. Just get started…
By Alan Brauner