10 months ago

New Perspective-Just The Facts_EmailVersion

Memory Care Pros: •

Memory Care Pros: • Specialized care for Alzheimer’s and dementia including therapeutic programming • 24-hour supervision in safe, secure environment • Social opportunities and structured daily routine is comforting Cons: • Stress of being in an unfamiliar setting • Challenges of adjusting to a group environment • Potentially limited availability • Less caregiver stress and more free time • Ability to be daughter, son, husband or wife again versus full-time caregiver Skilled Nursing Pros: • Physician, nurse, therapists onsite • 24-hour care, monitoring and assistance • Social opportunities, activities and nutritious, balanced meals Cons: • Environment may seem more clinical, institutional • Lack of privacy • Stress of unfamiliar environment Hospice Pros: • Focus on comfort for the patient • Emotional and spiritual support for the patient and family • Assistance is available around the clock Cons: • Emotional strain of the finality of the situation • Hospice ceases continued efforts to cure • Family may be put in position to provide more daily care on their own Now that you know the options, take a self-guided assessment to understand which solution may be the best fit for you or a loved one. FIND OUT MORE! 8

The Price Of course, there’s much more that goes into this decision than price alone. Yet budget is a big part of the equation as with any major life change. Here’s a sample of what you can expect for senior housing and care costs. According to Genworth, the average monthly costs are as follows: Home Health Care: • Homemaker Services: $3,994 • Home Health Aide: $4,099 Skilled Nursing: • Semi-Private Room: $7,148 • Private Room: $8,121 Independent Living: • One Bedroom: $2,750 Some Independent Living communities also require an entrance fee, while others only require monthly, all-inclusive rent payments. Adult Day Care: • Adult Day Health Care: $1,517 Assisted Living: • Private, One Bedroom: $3,750 Memory Care: • Single Resident: $5,000 The cost for Memory Care does vary greatly by geographic location, level of care and private versus semi-private room, and as such can range from $2,000 to $7,000 per month. Hospice: • Patients eligible for Medicare/Medicaid Hospice Benefit should be able to get most hospice costs covered. It’s also important to consider your total cost of living at home, not simply your mortgage and rent costs as this has a large impact on affordability. At home, you also pay for food, utilities, home maintenance, property taxes, insurance, entertainment and healthcare. Factor those costs into your current monthly expenses for a more apples to apples comparison with potential senior living costs. But rest assured, while there’s a continuum of senior living care and housing options, there’s also a variety of solutions in helping you to pay for them. 9 NEW PERSPECTIVES 2018

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