Choosing the Perfect Fit in Senior Living

As your loved one ages, there will come a time when decisions must be made about the best living arrangements for them. Is remaining at home best or choosing a supportive senior living community? Does my loved one need memory care? 

Older People In Garden

As your loved one ages, there will come a time when decisions must be made about the best living arrangements for them. Is remaining at home best or choosing a supportive senior living community? Does my loved one need memory care? The choice between a senior living community or remaining at home can significantly impact their quality of life. We’ll explore the available options for senior care and look at essential factors so you can make an informed decision. 

Independent Living vs. Home

Independent Living Communities cater to seniors who can manage their daily lives without much assistance. They offer the added benefits of services such as housekeeping, dining, transportation, and a range of amenities like fitness programs, spas, gourmet dining, art studios, swimming pools, and events within the community. 

Unlike staying at home, where it can be difficult to maintain social connections, an independent senior living community provides readily available social connection and offers seniors an enriched life without the burdens of home maintenance or even the need to drive.

Assisted Living vs. Home

Assisted Living Communities bridge the gap between independent senior living and full service residential health care. Residents of assisted living communities enjoy daily social activities and meals but also receive help with activities of daily living, like bathing, dressing, grooming, and bathroom assistance. In contrast to staying at home, where specialized care may require multiple service providers, assisted living offers a comprehensive care solution with around-the-clock support. Appealing and nutritious meals are provided , as well as programs and activities, many opportunities for socialization, and beautiful indoor and outdoor settings are typically available in a lively and engaging community.

Memory Care vs. Home

Memory care communities are specialized environments for those with cognitive or memory-related conditions. The home can easily become a danger of its own for persons living with memory loss or cognitive issues due to heightened safety concerns and the lack of social engagement. Memory care communities provide structured activities to bolster cognitive abilities and have enhanced security measures to reduce the risks associated with wandering. The dedicated and trained staff understands the intricacies of dementia and Alzheimer’s, ensuring residents receive personalized and dignified care. 

Independent LivingAssisted LivingMemory Care  
Autonomy24/7 Care Assistance24/7 Specialized Memory Loss and Dementia Care
Full-Kitchen & Dining OptionsDining & Meal PreparationDining & Meal Preparation
Maintenance Free LivingMaintenance Free LivingMaintenance Free Living
Lawnmowing & Snow RemovalLawnmowing & Snow RemovalLawnmowing & Snow Removal
Transportation to AppointmentsTransportation to AppointmentsTransportation to Appointments
Housekeeping & LaundryHousekeeping & LaundryHousekeeping & Laundry
Pet-Friendly ApartmentsPet-Friendly Apartments & TherapyPet Therapy
Social Activities & ClubsHelp with Activities of Daily Living (ADLs)Music Therapy
Baking & Cooking ClassesBathing & Toileting AssistanceEnhanced Security Measures
Arts & CraftsHelp Getting DressedStructured Cognitive Activities
Gardening & Vegetable PlotsMedication ManagementDementia-Friendly Environments
Lunch OutingsPersonal Care Assistance & HygieneHelp with Activities of Daily Living (ADLs)
Book ClubsSocial Activities & ClubsBathing & Toileting Assistance
Pizza NightsBaking & Cooking ClassesHelp Getting Dressed
Ice Cream SocialsArts & CraftsMedication Management
Food-Themed EventsGardening & Vegetable PlotsPersonal Care Assistance & Hygiene
Musical PerformancesLunch OutingsLibrary & Quiet Areas
Sports & TV Watching PartiesBook ClubsBeauty Salon
Game & Puzzle NightsPizza NightsHoliday Celebrations
Library & Quiet AreasIce Cream SocialsWi-Fi & Cable
Beauty SalonFood-Themed EventsReligious Services
Holiday CelebrationsMusical PerformancesRegular Events
Wi-Fi & CableSports & TV Watching PartiesAccess to Community Activities, Amenities, & Services
Religious ServicesGame & Puzzle Nights 
Regular EventsLibrary & Quiet Areas 
Area OutingsBeauty Salon 
Happy HoursHoliday Celebrations
Access to Community Activities, Amenities, & ServicesWi-Fi & Cable
 Religious Services 
 Regular Events 
 Area Outings 
 Happy Hours 
 Access to Community Activities, Amenities, & Services 

Factors to Consider When Choosing a Senior Living Community

If you have chosen the best type of senior living care but have a long list of communities to consider, use these factors to narrow your choice further. 

1. Location – Is the drive a long one? Will this make visiting a hardship? Proximity to family, friends, and medical providers is essential to consider.
2. Staff – Look for communities that have a healthy staff-to-resident ratio. Find communities with compassionate and experienced staff and caregivers. For those in memory care, look for proper training credentials.
3. Amenities – If your loved one needs specific amenities, evaluate what’s available before signing or committing. 
4. Health Care Services – Determine if the community offers your loved one medical care and support. Do they have specialized programs and services like therapy, or care navigation?
5. Safety and Security – Assess the security measures, such as emergency call systems and secure entrances. This is vital for those in memory care.
6. Activities and Programming – Inquire about various social, recreational, and educational opportunities available within and outside the community. Activities should promote senior independence and prevent isolation. 
7. Reputation and Reviews – Research the community’s reputation and read reviews from current and former residents.

Steps to Take When Choosing a Senior Living Community

After you have narrowed down your choices to a few communities, take these steps to find your ideal senior living community: 

1. Research – Gather all your information about the senior communities in your favored location.
2. Tour of the Community – Visiting each community in person if possible. This will give you a feel for the atmosphere, amenities, and staff.
3. Talk to Staff and Residents – Another essential reason to visit in person is that you’ll be able to talk with staff and residents and gain valuable insights into daily life within the community.

Reclaiming Your Role from Caregiver to Adult Child: A Journey of Renewed Bonds

Living with older parents can be extremely rewarding. A multigenerational household can have great benefits for families. Pew Research found that more than half of Americans in their 40s are part of the “sandwich” generation and live in a multigenerational home, usually with an older parent. However, living with an independent, active older adult is quite different than being a caregiver to one. 

Caring for an older parent can be overwhelming and stressful. It can negatively affect finances and have a great impact on the adult child’s emotional well-being. If, as an adult child, you’ve taken on the role of caregiver, you may find your life now revolves around medication reminders, driving them to appointments, and being their only source of social engagement. Conversations may be more about daily activities (“Did you take your medication?”) and less about cherished memories or those everyday conversations we have with parents. 

Caregiver burnout is real, especially if the older parent has memory loss conditions such as dementia or other complicated medical conditions. As much as you love your parents, it may be best to ease up as a primary caretaker and allow a professional staff within a secure and vibrant community to take over. 

Having a parent in a loving and caring community can create more time for you, the adult child, to rebuild the relationship between parent and child. There are many benefits for older parents to live in a senior living community. Chief among them is the 24-hour medical care available to residents. If a parent needs assistance with activities of daily living, medication management, or more intensive therapies, compassionate care delivered by professionals is close at hand. With the demands of caregiving lifted, adult children will have more quality time with loved ones. 

Find the Right Senior Living Community

Finding the best fit for your loved one will benefit them in many ways and allow adult children to be relieved of the responsibilities of caregiving. Seniors are choosing retirement communities over staying at home to focus on health and wellness, making new social connections, convenient dining options, and taking advantage of on-site, 24/7 medical staff. For those in memory care, safety and security will no longer be a worry with skilled caregivers close at hand. It is time to reclaim your role as a son or daughter while entrusting the caregiving responsibilities to someone else. Start looking today and begin your search for the best senior living community in your area.

Senior Scams & How To Protect Your Older Loved Ones

Senior Scams How To Protect Your Older Loved Ones

Millions of older adults fall victim to scams each year, losing substantial amounts of money they need for their retirement. In fact, scammers often target seniors in financial scams, because they expect older adults to have significant savings in their bank accounts. 

If your senior loved one becomes a victim of fraud, it can leave them in a precarious financial position with little time to recoup crucial funds. This means it’s important to help them identify when a scam has taken place and, if possible, avoid scams before endangering any money. We’ve outlined some of the strongest signs of a senior scam. 

Signs of a Senior Scam

Keep an eye out for the following warning signs that may indicate a loved one is the victims of a senior scam. 

Changes in Behavior

If a loved one suddenly starts acting afraid or confused, initiate a compassionate conversation with them to get to the root of the problem. If they’ve fallen for a scam, they may be afraid and could be embarrassed to talk to you about it. Speak with empathy and look for solutions.

Unusual Changes in Their Accounts

This sign could look like uncharacteristic withdrawals, unfamiliar transactions with their debit or credit card, or a new person added to their accounts. If you see worrisome new developments, sit down with your senior loved one to discuss these changes and seek financial assistance if it turns out a scammer is responsible.

 Bills Are Past Due

If essential bills are going unpaid despite suitable funds, you may want to investigate what is causing the interruption and ensure their accounts aren’t compromised. 

5 Ways to Avoid Scams for Seniors

 You can’t monitor your loved ones every minute, but you can provide assistance and advice to help them avoid senior scams.

Don’t Give out Personal Information.

Remind your loved ones not to provide their personal information over the phone. This includes their Social Security number, banking information, credit card numbers, Medicare information, and any other personal details that could be used to falsify their identity or steal funds. 

Avoid Solicitors.

Discourage your loved one from buying items from an unfamiliar company or source. They should always ask for the business’ details, salesperson’s name, telephone number and business license number before making any transaction with them. Suggest your loved one tell you about potential purchases. With the information they provide about the seller, you can search the internet to find out if they’re a legitimate company. 

Sign Up for the “Do Not Call” List.

You can visit the Federal Trade Commission’s Do Not Call website to sign up your loved ones for the “Do Not Call” list. This one step will limit telemarketing calls and help shield them from many individuals perpetrating senior scams. 

Enroll in Direct Deposit.

Help your parents or loved ones enroll in direct deposit for any benefit checks or other sources of income. Direct deposits ensure funds go directly into their accounts. This precaution eliminates the chances that a thief will steal checks out of their mailbox. 

Shred Receipts.

Suggest loved ones shred any credit card receipts that contain personal information. Unfortunately, stealing identities is a very lucrative business. It’s important that seniors take measures to make themselves less susceptible. They should regularly monitor their bank and credit card statements for unusual activity and contact their financial institutions immediately if they notice anything strange. 

What To Do If You Become a Victim of Fraud

Older adults shouldn’t have to constantly worry about senior scams. Knowing the signs and smart defensive actions should help ease their minds. If your loved one does experience a scam, report the fraud to the Federal Trade Commission complaint department and to your state’s consumer protection office. Contact your local law enforcement and any other pertinent organizations.

Finding Your Fit: The Different Types of Senior Living Communities

Embarking on your next chapter of life requires careful consideration and planning, especially when it comes to finding the ideal senior living community. Whether you’re seeking an active, independent lifestyle, require some assistance, or need specialized care, this guide describes the unique features, services, and benefits offered by each community option. This blog will equip you with the knowledge and understanding necessary to make an informed decision about the type of community that is best for you.

Seniors Visiting Community

Independent Living  

Definition: Independent living communities are designed for active seniors who live independently but prefer a maintenance-free lifestyle. These communities are attractive to older adults because they alleviate burdensome tasks like home and lawn maintenance, snow removal, hurricane preparation, and small daily tasks like cooking and cleaning. Independent living residences may be apartments or single-family homes.  

Benefits and amenities: These communities offer a range of amenities like recreational activities, fitness centers, fine and casual dining options, and transportation services. One of the greatest benefits of independent living is the opportunity to connect with others in a similar stage of life. Independent living communities offer a range of social events and committees to help build relationships among residents. The social offerings at these communities also encourage residents to continue the activities they enjoyed before moving, like gardening, playing cards, creating art, or playing music.  

Target audience and lifestyle considerations: Independent living communities are suitable for older adults who are relatively healthy, active, and desire a vibrant social life and a supportive environment.  

Community highlight: At Life Care Services, many communities offer independent living options for seniors, while also providing a continuum of care available to residents as needs may change. For example, The Heritage of Brentwood offers independent living for residents, while also serving as a Life Plan community. Their independent living program alleviates the responsibilities of homeownership and the stress of health care planning so that residents are free to live life the way they want. Maybe that looks like working with The Heritage’s NIFS-certified trainers on a personalized fitness program. Or perhaps it looks like joining one of 90 resident-driven clubs. A sought-after community in the area, The Heritage at Brentwood is a prime example of how independent living can elevate and enrich residents’ lives.  
 

Assisted Living  

Definition: Assisted living communities help older adults with daily activities like medication management, transportation, housekeeping, and self-care tasks like bathing and dressing. Like independent living communities, assisted living communities offer a range of housing options like condos and apartments. While being highly focused on the physical wellbeing of residents, these communities also place significant emphasis on seniors’ mental and emotional health. Assisted living communities arrange frequent social activities, outings, and events to promote residents’ holistic wellness.  

Assisted living communities differ from independent living by providing daily care and support for residents.   

Benefits and amenities: These communities offer 24/7 caregiving services, personalized care plans, meal preparation, transportation, and social activities to enhance resident quality of life. 

Target audience and lifestyle considerations: Assisted living communities are a great choice for older adults who require some level of assistance with daily activities but still desire a certain degree of independence. If you find yourself struggling to complete day-to-day tasks and desiring more social engagement, an assisted living community may be right for you.  

Community highlight: Clarendale of Addison is a Life Care Services community in Addison, Illinois, offering assisted living, independent living, and memory care options. Their caring staff assist residents with daily living activities, provide round-the-clock caregiving, plan fun and purposeful daily activities, and facilitate regular outings to local hotspots. In addition to extensive care offerings, Clarendale of Addison boasts amenities like a full-service hair salon and spa, well-appointed residences, and restaurant-style dining. Communities like Clarendale of Addison help support the evolving care needs of aging adults without compromising top-tier amenities and social engagement opportunities.  
 

Memory Care 

Definition: Memory care communities specialize in providing a secure and supportive environment for individuals with memory-related conditions such as Alzheimer’s or dementia. These communities promote the wellbeing of residents by providing structured routines and programming, personalized care plans, specially designed living spaces, and individualized dining and nutrition.  

Benefits and amenities: Memory Care communities prioritize the safety, security, and wellbeing of residents with secure entrances, alarmed doors, and staff members trained to prevent residents from feeling disoriented. Memory care communities also provide unique programming designed to stimulate cognition and memory retention, like puzzles, reminiscence therapy, and thoughtfully engaged discussions.  

Target audience and lifestyle considerations: Memory care communities are specifically designed to meet the unique needs of individuals with memory impairment. If you or a loved one are dealing with memory impairment and could benefit from a supportive environment and individualized care, a memory care community may be the right option. It is also important to note that memory care communities often exist within assisted or independent living communities, allowing spouses to live with or in close proximity to their loved ones in memory care. 

Community highlight: The Village at White River Junction, a Life Care Services community in White River Junction, Vermont, is an assisted living and memory care community with a secure, dedicated memory care floor. Memory care residents at The Village live in studio apartments and can enjoy dedicated activity spaces and a private garden. Memory care team members at The Village are trained in the LCS Heartfelt Connections memory care program, focusing on each resident’s individual life story and capabilities. Every resident receives an individualized program that promotes self-worth and self-esteem. Memory care communities like The Village at White River Junction offer the opportunity for adults with impaired memory to live in an environment that prioritizes their safety and wellbeing.  
 

Skilled Nursing and Rehabilitation 

Definition: Skilled nursing communities provide 24-hour medical care and supervision for individuals with complex medical needs or those requiring rehabilitation services, all from the comfort of a home-like environment. Similar to the other community types, skilled nursing communities also employ a holistic approach to wellness, offering a range of social, recreational, and cultural activities to ensure that the community feels safe and supportive. A key feature of many skilled nursing communities is their flexibility in providing either short or long-term care. Like memory care, skilled nursing is often “built in” to independent and/or assisted living communities, meaning residents can transition between different levels of care.  

Benefits and amenities: Like memory care communities, the individualized care provided by skilled nursing and rehabilitation communities is a major advantage. These communities can provide medication management, wound care, rehabilitation services, and specialized therapies depending on the needs of the resident. Skilled nursing communities also provide personalized dietary support to ensure the proper nutrition of residents.  

Target audience and lifestyle considerations: Skilled nursing communities are a good fit for individuals with complex medical needs, chronic illnesses, or those who require extensive assistance with the activities of daily living.  

Community highlight: Pomperaug Woods in Southbury, Connecticut, is a Life Care Services community with care options ranging from independent living to memory care, skilled nursing, and rehabilitation. The skilled nursing center at Pomperaug Woods provides residents with private or semiprivate suites, a full-service dining room, round-the-clock licensed nursing care, rehabilitative therapies, and daily socialization activities. Pomperaug Woods also offers residents a warm and homey atmosphere featuring common rooms and landscaped gardens. Skilled nursing communities like Pomperaug Woods offer an ideal location for older adults recovering from illness or injury, or those requiring long-term care.  

Life Plan/Continuing Care Retirement Communities (CCRCs) 

Definition: Life Plan communities, also known as Continuing Care Retirement Communities (CCRCs), offer a continuum of care within a single community, allowing residents to transition between independent living, assisted living, memory care, and skilled nursing care as their needs change. Life plan communities offer all the benefits of the previously described community types, allowing residents to live independently for as long as possible, while also providing access to various levels of care within the community they know and love.  

Target audience and lifestyle considerations: These communities are most valuable in the peace of mind they provide residents, who know that different levels of care are accessible within their community whenever necessary. If easy access to a continuum of care is important to you, a Life Plan may be your best fit.  

Community highlight: Monarch Landing in Naperville, Illinois, is a Life Care Services community offering memory care, skilled nursing, rehabilitation, and respite care, all in addition to a vibrant independent living community. Residents at Monarch Landing can enjoy a worry-free lifestyle, knowing that quality care across the senior living continuum exists within their community. In addition to comprehensive care offerings, Monarch Landing boasts a dog park, indoor heated pool and spa, full-service salon, and multiple dining options.  
 

Active Adult Communities 

Definition: Active adult communities cater to individuals aged 55 and older who are looking for an independent and active lifestyle in a community of peers. Active adult communities could be either age-restricted (requiring that 80% of residences have one person over the age of 55) or age-targeted (marketed to the 55+ age bracket). These communities may consist of single-family homes, townhouses, apartments, or condos.  

Benefits and amenities: Active adult communities are attractive because of their low maintenance requirements relative to owning a home. In active adult communities, landscaping and other outdoor upkeep is not a concern. These communities often also include (or are near) amenities like fitness centers, swimming pools, and tennis courts. Perhaps the biggest benefit to living in an active adult community is being surrounded by peers at a similar life stage.  

Target audience and lifestyle considerations: Active adult communities are ideal for older adults looking for a low-maintenance housing option that affords them a high level of independence and the opportunity to socialize with their age-group peers. On the other hand, it is important to understand that active adult communities do not offer the same peace of mind as communities with a full continuum of care.

A community that is “just right”

Whether you value an active and independent lifestyle, require personalized care, or seek specialized memory support, there is a community tailored to your unique desires. Being well-informed about these different types of communities is the first step in finding the perfect new home for you and your loved ones. With this knowledge, you can confidently explore and select the senior living community that best suits your lifestyle and preferences. 

Life Care Services communities stand out  

With more than half a century of experience serving seniors, Life Care Services understands the thoughtful planning that goes into choosing the right community. That’s why all our communities offer exclusive, signature experiences to ensure that you and your family are guaranteed world-class service – regardless of which community you choose. 

Compassionate staff, premium health and wellness offerings, top of the line security, and innovative memory care are among the cornerstones of the Life Care Services experience. A community that meets these standards is just a click away. Find an LCS community here.  

This blog was written with the assistance of ChatGPT.  

OpenAI. (2023). ChatGPT (June 22 version) [Large language model]. https://chat.openai.com.  

What To Look For in a Retirement Community

Senior friends talking outdoors

What To Look For in a Retirement Community

Caring for ourselves may feel like a challenge at any stage of life, but as we enter our senior years, we may need professional assistance to meet our daily needs.

Moreover, as we grow older, many of us seek companionship and camaraderie. Independent senior living and 55+ communities can be a great option to fulfill those desires.

If you’re having difficulty with daily activities or seeking new social connections, it could be beneficial to explore your senior living options.

Burcham Hills knows the process of finding a senior living community that can cater to your individual needs. We’ve created this helpful guide to show you what to look for in a retirement community. With this knowledge, you can choose a community that brings you peace of mind. 

Choosing the Right Community for You

The first step is to assess what level of care you need at this moment. Where are the areas you seem to be struggling? What amenities and services do you find appealing? From there, you can search for communities that offer those specific care levels and begin to narrow them down by location. Once you’ve narrowed down your options, you can dig into the details to see which one might be the best fit for you.

Questions To Ask When Visiting a Retirement Community

Scheduling a visit to a community is the best way to get a feeling for how well the community meets your needs. When you have questions about the community prepared, you can gain a lot of insight into what the community looks like on a day-to-day basis. 

You’ll be able to gauge the atmosphere of the community, how clean the environment is, and the sense of camaraderie among the residents.

By scheduling a visit for a day when you know an activity or event is taking place, you’ll be able to experience how the residents interact with each other and with the staff members.

This can give you great insight into whether you could see yourself fitting into the community and allow you to line up your needs with the amenities offered. It is important to make sure that the community you choose is going to feel like home to you.

There is more to a senior living community than the physical care they can offer. By doing some introspection on your own lifestyle and interests, you can simplify your research.

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What Activities, Programs, and Social Events Are Available?

Consider the hobbies and activities you enjoy in your everyday life. It is important as a senior to keep engaging in the hobbies that have brought you joy in life, or find something new.

You want a community where you’ll still be able to indulge in your favorite activities and the employees are enthusiastic about helping to accommodate those interests.

A community calendar is an important factor not only in independent living communities but in senior communities that offer all kinds of care types. Not only should the programs available pique your interest, but they should also meet social, emotional, vocational, physical, environmental, spiritual and intellectual needs.

If a community’s calendar is looking sparse, that may be your sign to look into other options.

How Does the Community’s Location Enhance the Lives of Residents?

Location can play a big part in how much you enjoy your time in a senior living community. Remember, there is no obligation to stay in the same area you’re currently living in.

If you have no family members living in your vicinity, it may be a smart move to consider finding a community closer to them so you’ll have some support.

If you do decide to relocate, there are plenty of options in urban, rural or resort settings. Warmer climates tend to be popular, but four-season states are also great options.

A good deciding factor is to focus on the lifestyle you are looking for. The ideal locations for snow skiing are going to be vastly different from the communities that offer golf year-round.

What Is the Cost of Living?

Before you can decide on a senior living community, you must do some math. The cost of living varies across the country, so it’s important to research the cost of taxes and expenses in your ideal location.

By lining those numbers up alongside the fees of your prospective communities, you can give yourself a better idea of what your future expenses will look like.

Balancing your budget can also depend on the cultural offerings of your chosen location. Your expenses are going to be higher in an urban location, with museums and theaters to indulge in, compared to suburban and rural areas.

A part of the balance is creating an equilibrium between what you want and what you can afford.

How Does the Community Value Inclusivity?

The most important quality of any senior living community is that it is welcoming. A great indicator that a community will accept you and all of your quirks is when that community is filled with people from all walks of life.

If you visit a community and find yourself surrounded by people of all different races, ethnicities, sexualities and genders, then you know that there is a reason all of those people want to be there.

Senior Living Community Types

A senior living community is a great way for older adults to transition into an environment where their individual needs can be met, while retaining as much independence as possible. Each type of senior living community revolves around the level of care seniors will require day-to-day at a community.

Service options include:

These types of living have specific care services to best provide for residents. It’s important to know what would benefit you or your loved one the most so you can find the right level of care. 

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Visit Burcham Hills 

At Burcham Hills, we are dedicated to offering seniors more than just a place to reside – we aim to create a warm and nurturing environment that truly feels like home. Our commitment to personalized care means that every resident receives the individualized attention and support they need to thrive.

From our compassionate staff to our range of amenities and activities designed to promote physical, emotional and social well-being, we prioritize the comfort and happiness of each member of our community. Whether it’s assistance with daily tasks, engaging social events, or specialized healthcare services, we strive to meet the unique needs of every resident.

We understand that choosing the right senior living community is an important decision, and we invite you to experience the warmth and hospitality of Burcham Hills firsthand. Contact us today at (517) 459-0727 to schedule a personalized tour and discover how we can make our community feel like home for you or your loved one.

Top 10 Traits of the Best Assisted Living Communities

You’ll find a lot to consider when searching for the right assisted living community. Aside from location every assisted living community can offer unique benefits. Generally speaking, you should look for high-quality care, an outstanding layout and architectural design, a vibrant community, and the services and amenities you want. But that’s just touching the surface! Here are the top ten most important features to consider when searching for the best assisted living community for yourself or a loved one.

1. Personalized Care

Personalized care offers residents a tailored approach to managing their health. Changes in a resident’s health can be addressed quickly. With a focus on an individual’s unique health needs personalized care helps foster a supportive environment and an increase of independence and autonomy.

2. Cost of Living

An assisted living community could have a lower cost of living but will vary by state and individual communities. It’s important to check that all fees fit within your budget. Be sure to ask questions on costs, including whether there are additional expenses related to special services or amenities.

3. Services & Amenities

Many of today’s assisted living communities offer resort-style amenities and services for residents. These special features are designed to ensure seniors are healthy and happy and continue to maintain the highest level of independence possible. Look for these services:

  • Transportation assistance
  • 24/7 staff support
  • Social programming and access to events
  • Housekeeping and maintenance
  • Medication management
  • Laundry
  • Spa and salon service
  • Personal care

Potential additional services and amenities may include medical care, 24-hour emergency response systems, secured buildings, and personalized care plans.

4. Innovative Technology

Technological advancements allow for increased interaction between residents, their families, friends, and the world. Technology can keep residents connected as well as offering powerful tools for managing medication and making better care decisions. Look for communities that use virtual reality, have accessible Wi-Fi, computer lounges, and other high-tech services.

5. Wellness Programming

Wellness programs that target the mind, body, and spirit are important to maintain mental and physical as well as an overall positive outlook.

Health programs can include:

  • Dietary support
  • Swimming and aquatic fitness
  • Heart health support
  • Fitness programs
  • Spiritual and religious programs
  • Yoga and meditation

A wellness program should be designed to enhance mental stimulation, physical activity, and create a social connection.

6. Social Activities

Social programming and events are part of the resort-style amenities and services many communities offer. It’s important to ask what the activity schedule is like and if it aligns with your interests and hobbies. Some popular social activities include:

  • Cocktail hours
  • Live performances or musical entertainment
  • Art classes taught by professional artists
  • Movie nights
  • Sporting events
  • Lifelong learning classes and intergenerational activities

An active social life is not only fun for older residents, it reduces isolation, promotes active aging and independence, and is part of a balanced health and wellness program.

7. High Quality Dining Experiences

Good food is a priority for everyone living in an assisted living community. We know that proper nutrition is important to overall health. However, today’s residents are looking for more when it comes to the dining experience.

A feature many residents are looking for in their senior communities is 5-star dining experiences and food variety, with options that fit different tastes, preferences, and diets (e.g., vegetarian or religious). Residents no longer want ordinary meals but prefer chef-prepared culinary works of art. Residents look for exciting dining areas, casual bistros, cocktail bars, and lounges.

8. Pet Friendly Communities

Whether you have a cat or a dog, pets are an important part of the family. Pets provide comfort and companionship for residents, helping them stay healthy and happy as they age in place.

If pets are important to you, a pet-friendly community is a must. Be sure to check if there are monthly charges associated with pets.

9. Welcoming, Beautiful Spaces

The interior and exterior of an assisted living community should be welcoming and make residents feel inspired and at ease. You should feel comfortable as if you’re in a place where you belong. It’s important that the assisted living community is bright, open, and airy. Natural light is essential to having a positive experience in the common areas and apartments.

10. Staff to Resident Ratios, Qualifications, Training

The staff at a quality assisted living community should have the proper qualifications and training, be friendly and helpful, available 24/7, and have a good staff-to-resident ratio. Families can rest assured with a good ratio, staff can meet the needs of residents.

Finding Your Assisted Living Community

The best assisted living communities are designed to make every day special for residents. These top 10 traits of assisted living communities are a starting point. Use them to help you find an assisted living community that truly fits your needs. Be sure to visit in person if possible and ask lots of questions.  Find one in your area that offers all of these features—and then sit back and take advantage of them.

The Best Make Your Retirement Work for You: Pension vs. 401k

Are you looking towards retirement in a few years? Maybe you have already retired from work, downsized, and enjoying your freedom. Whatever stage you’re in, you’ll always need to examine your finances and make necessary adjustments. Planning for retirement early is best, but it’s never too late to start. We’ll look at the differences between a pension vs. a 401k and how you may be able to maximize your retirement options.

Are you looking towards retirement in a few years? Maybe you have already retired from work, downsized, and enjoying your freedom. Whatever stage you’re in, you’ll always need to examine your finances and make necessary adjustments. Planning for retirement early is best, but it’s never too late to start. We’ll look at the differences between a pension vs. a 401k and how you may be able to maximize your retirement options.

What is a Pension Plan?

A pension plan is an employee benefit where an employer makes monetary contributions to a fund. The employer promises to pay the eligible employee a certain amount after retiring. Pension plans are more likely to be offered in unions, government positions, and the public sector. However, these traditional pension plans are harder to come by as an employee benefit.

What are Public Pensions Plans vs. Private Pensions

The difference between public and private is public pension plans are from the federal, state, or local governments. In comparison, private pension plans come from private companies. Private pensions are rarely offered today.

The takeaway:

  • Pension plan is a retirement plan where the employer makes contributions.
  • A pension manager determines the funds or investments.
  • Funds can be accessed in the future when you retire.
  • Payouts occur throughout the pensioner’s lifetime.

What is a 401(k)

A 401(k) is a retirement investment option offered by many employers in the US. A 401(k) has tax advantages, making it attractive as part of a retirement investment package. When you start a new job, you may have the option to sign up for the company’s 401(k) plan. Employees agree to have a certain percentage of every check paid into the 401(k). Some employers will match a certain amount. Most investments are in the way of mutual funds.

There are two types of 401(k) – traditional and Roth. The differences between the two are in how they are taxed.

  • A Roth is created with after-tax income.
  • Traditional are created with pre-tax income.

Lastly, there are limits to how much an employee can contribute to a 401(k). The IRS has made adjustments for the 2021 and 2022 plans. Check with your company’s fund manager for up-to-date contribution amounts.

The main takeaways with a 401(k):

  • Funds are taken from an employee’s pay (but may be matched by an employer)
  • Money is distributed into investment funds.
  • More flexibility with 401(k)s but greater risk.
  • At retirement funds, only last until the money runs out.

Which is Better, a Pension Plan or a 401(k)?

Both pensions and 401(k) have their pros and cons. If you have a pension now, you are protected by the Pension Benefit Guaranty Corporation. This means the PBGC will (in most cases) pay if your employer goes out of business or can’t pay retirees. Pensions, as stated earlier, are becoming rare and harder to find as a benefit. A 401(k):

  • Offers portability – if you leave your company, your investments can be rolled into an IRA or 401(k) at your new company.
  • Gives employees more flexibility in how funds are managed.

Both plans have their benefits and downsides. It will depend on you and your situation to determine what’s important.

Is One Plan Safer Than the Other?

Generally speaking, a 401(k) may present greater risk since many pension plans are protected with PBGC. With a pension, you are guaranteed a certain monthly amount for life during retirement. If you don’t have a large 401(k) at retirement, it could run out of money early.

What Happens When I Quit?

There are numerous scenarios for your 401(k).

  1. If you quit your job before retirement, your 401(k) will be converted into an Individual Retirement Account (IRA).
  2. You could also cash out your 401(k), but you will incur tax penalties.
  3. If you are taking another job, your old 401(k) could be moved into the new company’s 401(k) plan.
  4. You could leave your old 401(k) with the past employer indefinitely.

You’ll need to check with your company for specifics on how they manage an outgoing 401(k).

The options for how your pension is managed if you leave your job before retirement includes:

  1. Taking the money out as a lump sum amount.
  2. Opting for regular payments in the future

Many companies have forfeit clauses regarding pensions. That is, if an employee quits and has only been at the job for five years or less, they lose all benefits of the pension. Check with your HR department on details surrounding terms and tenure.

Retirement Investment Options and Senior Living

Financial matters and planning are crucial during the retirement years, before, during, and after. Life Care Services have a variety of senior living communities that can work with your budget and retirement plans. If you have financial questions regarding any of the LCS communities, contact us today.

What to Look for When Researching Senior Living

Taking care of ourselves can seem like a struggle no matter where we are in age, but as we reach our senior years, there’s a point where meeting our daily needs can become a real challenge.

Taking care of ourselves can seem like a struggle no matter where we are in age, but as we reach our senior years, there’s a point where meeting our daily needs can become a real challenge. Additionally, many of us are looking for company and companionship as we age and senior living can be a great option to fulfill those desires.

If you find yourself struggling to get through your day to day activities or simply want to make new social connections, it might be time to look into senior living options.

Life Care Services knows how hard it is to find a senior living community that can cater to your individual needs. We’ve created this helpful guide to assist you with your upcoming life decision.

Choosing the Right Community for You

The first step to take is to assess what level of care you need at this moment. Where are the areas you seem to be struggling? From there, you can search for communities that offer those specific amenities and begin to narrow them down by location.
Once you’ve narrowed down your options, you get to nitpick.

What to Look For

Scheduling a visit to a community is the best way to get a feeling for how good of a match a community is. There, you’ll be able to gauge the atmosphere of the community, how clean the amenities are, and the sense of familiarity between the other residents.

By scheduling a visit for a day you know an activity or event is taking place, you’ll be able to experience how the residents interact with each other, and with the employees. This can be a great insight into whether you could see yourself fitting into the community and allow you to line up your needs with the amenities offered. It is important to make sure that the community you choose is going to feel like home to you.

There is more to a senior living community than the physical care they can offer. By doing some introspection on your own lifestyle and interests, you can simplify your research.

Activities and Programs

Consider the hobbies and activities you enjoy in your everyday life. It is important as a senior to keep engaging in the hobbies that have brought you joy in life, or find something new! You want a community where you’ll still be able to indulge in your favorite activities and the employees are enthusiastic to help accommodate those interests.

As a part of your research, look for a community calendar. Not only should the programs available peak your interest, they should also meet social, emotional, vocational, physical, environmental, spiritual and intellectual needs. If a community’s calendar is looking sparse, that may be your sign to look into other options.

Location

Location can play a big part in how much you enjoy your time in a senior living community. Remember, there is no obligation to stay in the same area you’re currently living in. If you have no family living in your vicinity, it may be a smart move to consider finding a community closer to them so you’ll have some support.

If you do decide to relocate, there are plenty of options in urban, rural or resort settings. Warmer climates tend to be popular, but four-season states are also great options. A good deciding factor is to focus on the lifestyle you are looking for. The ideal locations for snow-skiing are going to be vastly different than the communities that offer golf year-round.

Cost of Living

Before you can decide on a senior living community, you must do some math. The cost of living varies across the country, so it’s important to research the cost of taxes and expenses in your ideal location. By lining those numbers up alongside the fees of your prospective communities, you can give yourself a better idea of what your future expenses will look like.
Balancing your budget can also depend on the cultural offerings of your chosen location. Your expenses are going to be higher in an urban location, with museums and theatres to indulge in, compared to suburban and rural areas. A part of the balance is creating an equilibrium between what you want and what you can afford.

Inclusivity

The most important quality of any senior living community is that it is welcoming. A great indicator that a community will accept you and all of your quirks is when that community is filled with people from all walks of life. If you visit a community and find yourself surrounded by people of all different races, ethnicities, sexualities and genders, then you know that there is a reason all of those people want to be there.

Senior Living Community Types

A senior living community is a great way for seniors to transition into an environment where their individual needs can be met, while retaining as much independence as possible.

Each type of senior living community revolves around the level of care seniors will require day-to-day at a community. Service options include:

  • Independent Living
  • Skilled Nursing
  • Assisted Living
  • Memory Care

Start Your Research with Us

Life Care Services seeks to provide every senior the comprehensive care that will turn a community into a home. By catering to the individual, we fulfill our mission of enriching residents’ experiences in all aspects of community life.

Find a community in your area today!