Understanding Levels of Care: Independent Retirement Community

There are a handful of options for families of aging loved ones to evaluate. The first step is understanding the difference between each of them and the factors that should be considered based on individual needs. LifeLinks Care Managers can help families work through these questions, creating a care plan based on all of the options available.


Independent Living in a Retirement Community

This setting is ideal for seniors that:

·         are healthy and able to care for themselves;
·         want to live independently;
·         desire the security found in a seniors-only community;
·         no longer want or are able to maintain a house;
·         prefer to live among their peers;
·         can communicate with doctors and caregivers by themselves, or with the help of family
          or friends, but without the help of trained, onsite staff;
·         have enough money to pay for the kind of home they want.

Most often, seniors choose this option when meal preparation becomes cumbersome, they feel isolated at home and/or they stop driving.  Typically, the monthly fees cover one meal per day, weekly housekeeping, scheduled transportation and on-site activities.  Some Continuing Care Retirement Communities have a significant entrance fee plus a monthly fee; many free-standing buildings offer month-to-month rentals.

Support services, such as medical home health care and hospice are covered by Medicare and provided for temporary situation.  Non-medical, in home care and LifeLinks care management can be implemented to assist the person in any of these areas where deficits are present. These services are paid for privately unless covered specifically by a Long Term Care Insurance policy.  The cost of non-medical, in-home care for 10 hours or more every day is approximately the same cost as assisted living.