Call Today for Help | (877) 263-2272

Senior Housing101

Senior Housing Options

RETIREMENTCOMMUNITIES

Continuing Care Retirement Communities

ABOUT RETIREMENT COMMUNITIES

Today's seniors are faced with many attractive options for retirement living. One of these options is a Continuing Care Retirement Community (CCRC). CCRC's offer a long-term continuing care contract that provides for housing, residential services, and nursing care, usually in one location, and usually for a resident's lifetime.

Residents usually start out with an apartment and, if care needs increase, they can bring in care. If, however, their needs increase or the needs of a spouse increase, the campus usually has assisted living, memory care, and skilled nursing.

COST OF RETIREMENT COMMUNITIES

Understanding the fees, contracts, and payment of a CCRC can be very confusing. Sometimes an endowment fee is required upfront in addition to a monthly rental fee. These fees can range from a couple thousand to hundreds of thousands of dollars.

Each property has a different refund policy and some do not require them at all. Some will accept Medicaid in their long-term care, while some do not. Most of them do have short-term rehab that is Medicare certified.

EXAMPLE OF RETIREMENT COMMUNITIES

Seniors playing cards at Palos Verdes retirement home.

INDEPENDENT LIVINGCOMMUNITIES

An Apartment Building with Services for Seniors

ABOUT INDEPENDENT LIVING

Independent living is usually an apartment building with services for seniors. The idea is to allow seniors to maintain their independence.

Some meal, weekly housekeeping, and utilities usually are included in the rent. In addition, most independent living communities offer a full array of daily social, recreational and educational events designed to enrich life both in and out of the building for no additional charge.

Amenities and services are usually very important when searching for independent senior living. Seniors are looking for a worry-free lifestyle and that is what independent living is designed to achieve.

There usually are some safeguards built into the apartments such as pull cords (to reach a nurse or attendant call station) and accessible bathrooms. If one moves into an independent living apartment and more care is needed, usually the property has a partnership with a company that can provide care a la carte such as help with escorts and medication reminders. Independent living is not licensed by any federal or state agencies.

COST OF INDEPENDENT LIVING

Private duty caregivers also can be hired to come and go as needed. Most independent living communities have parking for resident cars.

Pricing is determined by location as well as the size of the apartment. You can usually find a good selection of studios and one and two-bedroom apartments.

Currently, in the Los Angeles area, the monthly rental fees can range from $1000 – $5000. Independent living is most often paid for via private funds.

Some senior housing communities are subsidized and your local area agency on aging typically maintains a list of subsidized housing and entrance requirements.

EXAMPLE OF INDEPENDENT LIVING

Seniors hanging out at independent living in Torrance, CA.

ASSISTED LIVINGCOMMUNITIES

A Larger Setting for Those who Need Help with Bathing, Dressing, Etc.

ABOUT ASSISTED LIVING

Assisted living is designed for seniors who have difficulty living at home, but do not need 24-hour nursing care. In California, assisted living facilities that serve people age 60 or older are licensed as Residential Care Facilities for the Elderly (RCFE). 

Assisted Living is not an institutional setting and residents enjoy doing many of the same things they did when they lived on their own. It can provide people who need assistance with activities of daily living the additional care and support to enjoy an active, engaged, and fulfilling quality of life.

Activities of daily living include:

  • Bathing
  • Dressing
  • Incontinence Care
  • Toileting
  • Medication Management
  • Meal Preparation
  • Feeding
  • Grooming
  • Transferring 

Searching for an assisted living facility is not easy, particularly considering the emotions involved and the limited time typically available. Unfortunately, no scientific formula exists to determine the “best” facility for any person, which is why you should contact Second Home to help you decide which place can provide the care your loved ones needs now and in the future.

COST OF ASSISTED LIVING

The cost of assisted living varies depending upon level of care, amenities, apartment size, and location. Still, assisted living is among the least costly care options.

According to a 2016 Genworth study, the California state average for an assisted living private room is $48,000 annually, or $4,000 per month. Costs can be broken down into two areas: fixed and variable. 

Fixed costs include: Room and board, utilities, three meals a day, snacks, activities, housekeeping, and laundry. 

Variable costs include: Transportation, activities of daily living needs, and extra amenities (hair salon, room service, etc.)

One thing to remember is that Medicare does not pay for assisted living, only for skilled nursing facilities.

EXAMPLE OF ASSISTED LIVING

Manhattan Beach assisted living caregiver helping senior.

A Smaller Setting for Those who Need Help with Bathing, Dressing, Etc.

ABOUT BOARD AND CARE HOMES

Board and care homes are residential homes that are retrofitted to take care of seniors who need more hands-on care. Board and care homes are designed for seniors who have difficulty living at home, but do not need 24-hour nursing care. 

In California, board and care homes that serve people age 60 or older are licensed as Residential Care Facilities for the Elderly (RCFE). Board and care homes typically care for up to six residents and they enjoy doing many of the same things they did when they lived on their own.

It can provide people who need assistance with activities of daily living the additional care and support to enjoy an active, engaged, and fulfilling quality of life. 

Activities of daily living include:

  • Bathing
  • Dressing
  • Incontinence Care
  • Toileting
  • Medication Management
  • Meal Preparation
  • Feeding
  • Grooming
  • Transferring 

Searching for a board and care home is not easy, particularly considering the emotions involved and the limited time typically available.

Unfortunately, no scientific formula exists to determine the “best” facility for any person, which is why you should contact Second Home to help you decide which place can provide the care your loved ones needs now and in the future.

COST OF BOARD AND CARE HOMES

The cost of board and care homes vary depending upon level of care, amenities, apartment size, and location. Still, board and care homes are among the least costly care options.

According to a 2016 Genworth study, the California state average for a board and care home private room is $48,000 annually, or $4,000 per month.Costs can be broken down into two areas: fixed and variable. 

Fixed costs include: Room and board, utilities, three meals a day,snacks, activities, housekeeping, and laundry. 

Variable costs include: Transportation, activities of daily living needs, and extra amenities (hair salon, room service, etc.)

One thing to remember is that Medicare does not pay for board and care homes.

EXAMPLE OF BOARD AND CARE HOMES

Street view of a senior board and care home in Torrance, CA.

ALZHEIMER'S CAREFACILITIES

Special Care for Those with Dementia

ABOUT ALZHEIMER'S CARE FACILITIES

Persons with memory impairment require special care, safety, and supervision. As the disease progresses, care needs can increase and residents need for reminders are provided. Most of these residences are specially designed to help cue the residents.

For example, memory boxes filled with old photos are placed near the door to help guide residents to their rooms and to allow the staff to learn more about the residents’ history. The space is designed to help them live as independently as possible. There are visual tools that help – such as lights that automatically turn on when you enter the bathroom, or a darker wall against a white sink to give better depth perception. 

Anxiety and irritability are taken into consideration in the calming colors and familiar furnishings. Those with the disease can become disoriented to time & place or experience decreased judgment. Many things from the past are around that are familiar and comforting and a well-trained staff knows how to incorporate these tools when the residents are starting to get anxious or confused.

The staff has been trained to deal specifically with the disease and involve residents in enjoyable daily activities and ones at which they can feel successful. Structure and routine are important and need to be built into daily activities. Adequate staffing is essential.

Sometimes dementia can cause someone to wander, so any place that does have this type of care is secure.

COST OF ALZHEIMER'S CARE FACILITIES

Costs can range from $4,000 – $9,000 a month. Residents can share suites or have private studios.

EXAMPLE OF ALZHEIMER'S CARE FACILITIES

Memory care caregiver helping person with Alzheimer’s.

SUPPORTIVE LIVINGCOMMUNITIES

State Funded Assisted Living

ABOUT SUPPORTIVE LIVING

The state of California developed the Assisted Living Waiver Program for lower income seniors who might otherwise find themselves in a skilled nursing home.

There is a Medicaid waiver that helps pay for supportive living for those who qualify. A resident must also undergo a determination of need regarding care. 

They took the assisted living concept of apartment-style housing with personal care and provide it as on alternative for seniors who can no longer live at home. Help with activities of daily living, housekeeping, laundry, medication supervision, social activities and 24-hour staff are provided.

COST OF SUPPORTIVE LIVING

Residents pay for their room and board, and Medi-Cal pays for their care and services. In 2015, for participants with monthly SSI income of $1,145.00, the room and board rate is $1,014.00. For participants with income of $1,165 or greater, the room and board rate is$1,034.00.

EXAMPLE OF SUPPORTIVE LIVING

Caregiver taking blood pressure of senior.

SKILLED NURSINGFACILITIES

24-Hour Medical Care and Rehabilitation

ABOUT SKILLED NURSING FACILITIES

For those who require 24-hour skilled care, a skilled nursing facility is usually the best option.

However, some people who think they may need a skilled nursing facility can do quite well in some assisted living homes.

WHO'S ELIGIBLE (FROM MEDICARE WEBSITE)

People with Medicare are covered if they meet all of these conditions:

  • You have Part A and have days left in your benefit period.
  • You have a qualifying hospital stay.  
  • Your doctor has decided that you need daily skilled care given by, or under the direct supervision of, skilled nursing or therapy staff. If you're in the SNF for skilled rehabilitation services only, your care is considered daily care even if these therapy services are offered just 5 or 6 days a week, as long as you need and get the therapy services each day they're offered. You get these skilled services in a SNF that's certified by Medicare.

You need these skilled services for a medical condition that was either:

  • A hospital-related medical condition.
  • A condition that started while you were getting care in the skilled nursing facility for a hospital-related medical condition.
  • Your doctor may order observation services to help decide whether you need to be admitted to the hospital as an inpatient or can be discharged.
  • During the time you're getting observation services in the hospital, you're considered an outpatient—you can't count this time towards the 3-day inpatient hospital stay needed for Medicare to cover your SNF stay. Find out if you're an inpatient or an outpatient.

COST OF SKILLED NURSING FACILITIES

Your costs in Original Medicare. You pay:

Days 1–20: $0 for each benefit period ($0 in 2017).

Days 21–100: $161 coinsurance per day of each benefit period ($164.50 in 2017).

Days 101 and beyond: all costs.

EXAMPLE OF SKILLED NURSING FACILITIES

Doctor consulting with patient about his treatment.

Interested in Taking a Tour?

Contact Us Today to Set Something Up

Invalid Email
Invalid Number
Simple Share ButtonsShare Us With Your Friends!
Simple Share Buttons