Overview of Assisted Living
This type of Senior Living is non-medical care that provides supervision and assistance to seniors who do not need 24 hour medical help. Assisted Living Facilities is suited for seniors who want to live independently, but need assistance with activities of daily living (ADLs) such as eating, bathing, toileting, dressing, grooming and minor house chores.
Generally, doctors and nurses are not on site or on staff, but they are on call when residents need their assistance. For most of the 50 states, caregivers are required by state licensing to be present at all times at the facility to supervise and assist their residents.
How Much Does It Cost?
The national average for Assisted Living is $3,450 which will depend on a variety of factors but typical costs start at $2,500 per month. This will include care needs of your loved one, desired services and amenities, private or shared bedroom and bathroom, location of the care facility, years they have been in business, staff experience as well as other services. (source: Genworth 2013)
How Can I pay for Assisted Living?
Assisted Living is typically paid out of pocket (private pay), but there are other ways Assisted Living can be paid for or subsidized:
1) Long Term Care Insurance
2) Veteran’s Aid and Attendance
3) Assisted Living Waiver
Types of Facilities
A) Large Assisted Living Community – “Hotel-Style Living”
In a large community, there can be anywhere from 30 to 200 residents and a typcially a 1:6 to 1:12 caregiver-to-resident ratio. Large communities also provide a high level of socialization among their residents, frequent activities throughout the day, pet and music therapy, daily prepared meals, transportation to mass service or doctor appointments, and assistance with bathing, dressing, walking and medication management.
Some of these care facilities also have secure, locked-down memory wings for residnets that are surffering from Alzheimers disease and have tendencies to wander.
B) Small Board and Care Home – “Just like Home”
In a small residential care facility, also known as a “board and care” home, there are typcially anywhere from 6 to 10 residents in the home. For most of the 50 states, state licensing also requires at least one caregiver on site at all times to supervise and assist the residents. Seniors also prefer these type of assisted living facilities because they provide care in a “home-like” environment similar to what they are used to at home. Also, they do provide the same services as the large care communities except for the high level of social interation and frequency of daily activities.
Most residents in a residential care facility prefer a more intimate and quiet environment for the most part. The caregiver-to-resident ratio is typically 1 caregiver per every 2 or 3 residents in the care home. In terms of costs comparisons, smaller residential care homes can in general can be a little more affordable than the costs of rent and care at a large assisted living community.
Each type of Assisted Living Facility will have pros and cons and it will come down to your Loved One’s care needs, budget and location. Please ensure to do your thorough research and consult with a family care advisor who can give you care options that are a match to help you save time.
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