Assisted living is a relatively recent senior care alternative that provides seniors who require assistance with a place to continue to thrive and grow while enjoying personalized care. It's important to keep in mind that assisted living communities today are not nursing homes; they are truly very different.
Assisted living communities are residential, typically apartment-style houses with kitchens or kitchenettes, laundry facilities, activity schedules, food programs, and much more. Not to mention that they were created with long-term care in mind.
What does that mean, though, and what should you expect? Here, we go through the basics of assisted living communities and how they may support seniors with challenging tasks while providing the social interaction and stimulating activities they require.
How Much Would It Cost?
The majority of assisted living communities charge a monthly rent that covers everything from boarding to meals, the majority of activities, cleaning services, transportation, and utilities. Some even provide TV and WiFi access for this monthly fee. If you take the time to analyze your loved one's existing expenses, you will see that assisted living is really affordable in comparison.
However, you could be required to pay an extra monthly cost if your loved one needs specialized care. This expense is to guarantee that your loved one has access to the professionals and materials they need. Beyond this increased cost for people who require more care, there are just a few minor expenses, such as travel expenses or grocery store expenditures.
Is It Covered By Insurance
The majority of health insurance plans do not cover assisted living. On the other hand, if you have long-term care insurance, your plan could pay for the price of assisted living. The Veterans Administration's Aid and Attendance program may also be able to provide you with a monthly cash benefit to assist with the cost of assisted living provided you meet the qualifying financial standards and your loved one is a qualified wartime military veteran.
Assisted Living Benefits For Veterans
If your loved one is a Veteran, the Veterans Administration may be able to provide you with a variety of benefits. As stated by the U.S. Department of Veterans Affairs, benefits offered to veterans who are ill or handicapped include:
Your loved one must, however, be enrolled in VA health care in order to be eligible for these benefits. If VA authorities find that your loved one requires a specific service to assist with hygiene and personal care, and if the service or a spot in a care community is available close to you, you may be able to get these services. Some covered services may require you to pay a copay.
Choosing The Right Place For Your Loved One
The facilities and residences for assisted living differ greatly. The good news is that you have a decent possibility of finding a community that exactly matches your interests and circumstances, which may help make the decision-making process feel less overwhelming.
Furthermore, make an effort to avoid becoming overwhelmed by the alternatives when you begin your search. Remember that the residents and staff come first, not the perks. Even an assisted living home is only as good as its occupants, residents and employees.
With that in mind, make sure you have a general impression of the community as a location where you will feel at home and meet new people.