from our good friends at Center for Elder Veterans Rights …
Maximum Pension Benefit Plus Aid & Attendance
* Surviving Spouse $1,176
* Single Veteran $1,830
* Married Veteran $2,169
* Veteran Couple $2,903
Qualifying Pension Service Dates:
12/07/1941 – 12/31/1946: WWII
06/27/1950 – 01/31/1955: Korea
02/28/1961 – 08/04/1964: Vietnam I (in country)
08/05/1964 ‐ 05/07/1975: Vietnam II
08/20/1990 – Present: Mideast Conflicts
One of the best ways we can honor our country’s forefathers this Presidents’ Day, is to be available on Monday to help with your senior loved one’s housing needs.
As with the men who founded our great country, we should always honor and salute those that founded our families, and gave so much to attend to our upbringing.
As always, we will be available Monday to help answer your senior housing questions.
In addition to our services, our local, Tampa/St. Pete-area network of trusted, associated professionals can assist with elder law issues (wills, advanced directives and power of attorney), coordination of veterans benefits, financial planning, down-sizing and moving – to name a few.
Give us a call, or drop us a line. We will be happy to help.
God Bless America, and our seniors, too!
Few people plan for long-term care – that being continuous care over an extended period of time that involves help with everyday tasks or constant supervision for a person who has dementia. Perhaps they don’t think they’ll need it or they believe that government subsidies will cover any care they need.
Studies indicate that 70% of persons over 65 will need long-term care services at some point in their lives (US Department of Health & Human Services, 2008). And it’s a common misconception that Medicaid and Medicare will pay for long-term care. Beyond the limited benefits provided by Medicaid and/or Medicare (assuming you meet eligibility requirements for one or both) you are responsible for your long-term care costs.
Choices for suitable care under Medicaid funding can be limited. Fortunately, senior living residences are available at a variety of price points.
Costs vary with the residence, apartment size, and types of services needed. The basic rate may cover all services or there may be additional charges for special services. Most assisted living residences charge on a month-to-month lease arrangement, but a few require long-term arrangements. The 2009 national average cost for an apartment in an assisted living residence is $3,100 per month, according to research compiled by the National Clearinghouse for Long-term Care Information.
Base rates may fluctuate depending on unit size: for example, studio, one, or two-bedroom apartment. Note also that base rates typically only cover room and board and two to three meals. Additional charges may include entrance fees up to one month’s rent, deposits, and fees for other services such as transportation and personal laundry, though many providers include those services as well.
More than half of assisted living communities use a tiered pricing model with bundled services, according to research. For instance, a resident needing very little assistance would be at the lowest tier. Other pricing models include all-inclusive, a la carte, or fee-for-service basis. Providers regularly review service and care plans to ensure residents’ needs are being met. Billing is typically done monthly. More information is available at http://www.alfa.org.
To discuss senior living options in the Tampa Bay region with an experienced Always Best Care senior placement advisor please call (813) 422-1561 or (813) 422-0750.
Please share your thoughts on senior living costs, or any other thoughts on senior care. We welcome your comments below.
Excerpts from Ready to talk with your parents? http://stcharlescommunity.org/ready-to-talk-with-your-parents/
It can be tough to talk with your aging parents about senior living options. Most parents fear giving up their independence and do not want to consider the options available.
Making a point to sit down with your parents and openly discuss the situation can be uncomfortable. No one likes to discuss their financial, legal or health care issues with anyone, especially their children. However, waiting until you are forced to have this conversation as a result of an urgent health crisis can result in quick decisions and your parents desires going unmet.
Make things easier on yourself and your other family members by having an open and honest discussion with your parents about their future, and in turn you will help ensure that their preferences are honored. A few pointers to help you have a meaningful conversation include:
- Talk to your parents while they’re still in good health, when they don’t need any extra assistance.
- Do they have a plan? If not, offer to help with researching what options exist and what things they should consider in their plan.
- Treat your parent as an adult and reinforce that they are the decision maker, and that you want to respect and honor their wishes. Openly share your concerns, but really listen to their concerns and point of view.
- Include other family members, siblings or other relatives that might need to be involved in this planning.
- Get the process started – don’t worry about trying to make all the decisions in one conversation. Encourage small changes.
- Don’t be afraid of silence. It means that people are thinking.
- It’s OK to disagree. You likely won’t agree on everything. Your parents’ wishes are what is important, unless their health or safety is in question.
- Know where to find important documents like insurance policies, living wills, health care proxies, trust documents, tax returns, wills, health insurance information, investment and banking records. Have a list of important contact information readily available.
The first conversation might be a little awkward; after all, you are asking your parent to confront their aging life. However it can be rewarding to be able to help your parent maintain their independence they want, along with the care and support they need. What you really want is to spend your time celebrating life with them!