What to Consider When Choosing a Nursing Home or Assisted Living Facility

As you age, you might realize that you can't do what you used to do. Many older adults need a little support to perform daily living tasks, and for some, managing chores and home maintenance can become a bit more challenging. If this sounds like you or a loved one, you'll need to determine how you'll pay for long-term care, as well as how to pick the appropriate level of care. 

Level of Care

As a general rule, a skilled care facility is one that can provide a higher level of care. Their staff includes certified nurse's aides and possibly both LPNS and RNs. Typically, a nursing home is more clinical in appearance, similar to a hospital. An assisted living facility tends to have a more homelike appearance. Often, an assisted living setting will have one or more nurses on staff, but the care provided isn't as extensive. 

When you're choosing the right care facility, consider if you need someone to prepare meals or can handle cooking yourself. Assisted living and nursing care both provide three meals per day. However, independent living facilities may require that you take care of your own meals. While many assisted care homes can handle residents in wheelchairs, not all can. Most residential long-term care facilities will take care of incontinence issues and other personal care needs. 

Selling Your Home 

If you're looking into how to pay for eldercare, think about selling your home. As you're going through the process, make sure you research the local market and the price of other similar homes in the area. Determine how much you'll make by subtracting fees for real estate agents and any outstanding mortgage balance. 

Keep in mind that you usually don't have to sell your home to qualify for Medicaid assistance for some long-term care options. In some states, though, the government could file a claim against your home after you pass, so make sure you meet with an attorney first. 

When you’re ready to begin the process of selling your home, be sure to get in touch with Charley and Alisa Wasson to make everything as smooth as possible.

Making the Move 

If you need a moving service, look online for customer reviews and ratings. It may help to ask people you know who've moved recently. 

Ask for quotes before meeting with a moving company. Make sure the company has insurance and proper licensure. You'll then have a guarantee that the work will be done right and can seek out compensation if something should happen. 

Search for companies that are offering deals if you require an affordable solution. 

Look Into Different Resources for Payment

Medicaid offers assistance for low-income seniors, but not all facilities accept it, and some states only cover nursing care. Medicare coverage typically only covers nursing care or short-term stays after injury or surgery.

Other options are available to help pay for your care, though. Consider purchasing long-term care insurance if you don't yet require long-term care and want to be prepared. Veterans may also qualify for additional benefits from Veterans Affairs.

Get the Care You Need Affordably

 

Once you determine the care you need, look into the assistance programs available and aim to make the process easy. Make daily tasks easier with assistive technology, and consider shopping online for clothing that's designed to accommodate seniors with cognitive or physical challenges.