Q What Is Independent Living?
A

Independent Living provides maximum independence with the added ease of one or more meals per day, weekly housekeeping if desired, freedom from household maintenance, and access to staff 24-hours per day.
Q What is Assisted Living?
A Assisted Living offers assistance with activities of daily living, three meals per day, weekly housekeeping and laundry services, and medication administration.
Q How does Assisted Living differ from a Nursing Home?
A Nursing Homes care for those in  need of extensive care with all activities of daily living. Assisted Living communities provide assistance with preparing meals, bathing, morning and evening routine, household chores, moderate redirection, and medication administration.
Q What is a Continuing Care Retirement Community?
A The combination of independent living, Assisted Living and Nursing Home is known as a CCRC. A resident can take advantage of a full range of services provided with the ease of transferring to a new unit within the same campus.
Q What is a Memory Care Community?
A A Memory Care Community addresses the special requirements of the Alzheimer resident by minimizing challenges and enhancing remaining abilities in a secure environment. Memory care residents are typically inappropriate for Assisted Living due to their wandering nature. Memory Care Communities are ideal for dementia patients.
Q Who pays for Independent Living, Assisted Living and Memory Care Communities?
A Many states have not approved any funding for these communities. Therefore, the cost is the resident’s sole responsibility.
Q Does Long Term Care Insurance pay for these types of communities?
A Depending on the policy, many long term policies do cover some, if not all, of the cost. Many policies are written such that a person must receive help with at least 3 activities of daily living. If a resident is living in an Assisted Living Community, they might be receiving help with preparing meals, medication assistance, and bathing assistance. This constitutes help with 3 activities of daily living. The insurance company will probably agree to pay for the resident’s living arrangement under the terms of the policy. The average cost of Assisted Living is $80/day and Nursing Home is $115/day.
Questions or concerns?
Contact: Shaye Tipton
Chief Operating Officer
(405) 801-2879
shaye@arborhouse4u.com