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Are Assisted Living Facilities Keeping Up With Needs?

March 26, 2019 by Honey Leveen Leave a Comment

Caregiver with Elderly WomanAssisted living facilities and their residents don’t tire of blaming each other for sub-standard care.

An article in the New York Times reported the tragic and avoidable death of a 90-year-old resident, suffering from dementia. A resident of Brookdale Charleston Senior Living, she wandered outside — and not for the first time.

Nobody noticed her absence for seven hours. She was found in the pond behind the facility, dead from puncture marks to her ear, temple, jaw and cheeks.  Her pacemaker was discovered inside one of the alligators that lived in the pond.

The assisted living facility has already settled the family’s claim for wrongful death and is now facing an additional suit for emotional distress.

Sharing the Blame

I believe that the residents, their families and the facilities can share in the blame.

Undertrained Staff

Assisted living is not federally regulated. Nursing homes are. State enforcement and sanctions are often lax and not very stringent.

Many experts agree that much of the problem stems from inadequate staffing which I’ve blogged about in the past. Adequate funding will easily resolve these shortcomings. An simple recommendation, but more difficult to implement.

Assisted living started as a service for people who were more independent. Residents who need help with activities of daily living (ADLs). Some residents were experiencing early cognitive challenges. Just a generation later, assisted living often accepts people with far greater needs. Needs they may not be prepared to fully accommodate. I often see this, and it disturbs me.

The Facility’s Profit Motive

Many assisted living facilities are for-profit entities, earning handsome returns to their investors. I have some friends who manage the marketing at some of these organizations. They often tell me that they are pressured by management to fill as many apartments as they can.

Facilities cannot offer this needed care at an affordable price point that fills apartments and attain financial returns that please their investors. As the saying goes, “No one can serve two masters.”

The Resident’s Budget

The residents (or their families) pay for assisted living out of their own pockets, unlike nursing homes. Medicare or Medicaid do not contribute. They have a high appeal, as they emphasize independent living instead of intensive medical care.

Many residents are unable to afford the higher cost of fully trained and properly staffed facilities, so they let their budget determine the quality of care they receive.

People want to deny the almost certain fact that they might ever need long term care (LTC). When they inevitably do need LTC, it is common for them and their family to downplay the true extent of their needs.

So they choose the posh, upscale environment so many assisted living facilities have, instead of one that may be better-equipped to actually care for the resident.

What happens when the residents and their family realize that they’re not getting the care they need? They might experience the tragic consequences like the resident in the NYT article. They might move to another facility more appropriate for their escalating needs.

Decide to Plan

When planning for your future needs, wouldn’t it be nice to make your decisions based on quality of life and not settle for a sub-standard solution just because of your financial limitations?

Choose quality! Click here to receive your free, no-obligation quote for your own Long Term Care insurance policy.

Filed Under: Uncategorized Tagged With: assisted living, long-term care, long-term care insurannce, Long-Term Care Planning, LTCi, nursing facilities, nursing home care, Nursing Homes

The High Cost of Illiteracy You Haven’t Thought About

March 18, 2019 by Honey Leveen Leave a Comment

Eraser deleting the word IlliteracyThe U.S. Department of Health & Human Services has a handy fact sheet all about “Health Literacy”, starting with a definition:

“Health literacy is the degree to which individuals have the capacity to obtain, process, and understand basic health information and services needed to make appropriate health decisions.”

That ability to obtain — and understand — the necessary facts makes all the difference in how people choose to manage their health options.

The New York Times recently reported on the rising threat of health illiteracy in our country. And the numbers only get worse with age. In fact, only 3 percent of older adults qualify as having “proficient” health literacy.

Why Is It Harder For the Elderly?

There are a number of factors that contribute to the increase of health illiteracy in our aging population.

  • Complicated Information — Medical information is usually shared in technical, scientific language that can even confuse professionals.
  • Use of Jargon — Medical professionals sometimes fall back on industry jargon without explaining the meaning.
  • Stressful Conditions — When people are anxious, it’s even harder for them to make sense of the information being shared.
  • Cultural Differences — Sometimes there’s a language barrier that keeps people from fully understanding instructions. Even the most competent English speakers may not be able to follow the specifics of a prescription.
  • Cognitive Impairment — Declining brain function can have disastrous consequences when dosages are misunderstood or completely forgotten.

I’ve often blogged about age-related cognitive decline and it’s ill effects.

Too often, I see health illiteracy in clients I’ve known for many years. When we talk, I can tell they’re not the person I originally met. Instead, I hear fear, frailty and confusion. I worry for their ability to make safe choices for themselves.

One thing left out of the article is the decreasing access to family and community support. This is the elephant in the room. No amount of technology can replace the caring touch of another. I believe our increasingly isolated lifestyles are a major cause of loneliness, depression, fear, poor health outcomes, and health illiteracy. And it only gets worse as we age.

Our increasingly stressed medical system is doing it’s best to counteract the rise in health illiteracy, but this is an uphill battle. I’m not confident they’ll win.

Plan For Your Future Health Literacy

You can avoid health illiteracy well in advance. We are not going to regain our supportive communities from our grandparents’ generation. Make sure you have access to care and genuine concern when you need it. Plan for it and pay for it. Long term care planning in advance is essential.

To begin exploring your own options, click here to receive your free, no-obligation quote for long term care insurance coverage.

Filed Under: Denial, Elephant in the Room, I'll Just Self-Insure

Aging In Uncharted Territory

January 10, 2019 by Honey Leveen Leave a Comment

Woman with Sledge Hammer

You probably don’t need me to tell you: We are living in a brand new era. And there’s no road map, no experienced sages who have navigated times like this. Even on the topic aging, we’re headed into uncharted territory.

According to the U.S. Census Bureau, the time is rapidly approaching when people over 65 will outnumber those under 18. This shift has never happened in the history of the United States. By the year 2030, an astounding 1 in 5 adults will be of retirement age.

The Key to Long Life: Long Life

It sounds trite, but it’s true. The numbers show that if you live to age 65, you are likely to live well into your 80s. And if you reach your 80s, you’re probably going to live into your 90s… and beyond! Today’s lifespans are unprecedented; the fastest-growing segment of our population is between the ages of 85 and 94!

Americans are living longer and having fewer children. But longevity alone will not transform senior housing. We are about to experience a revolution for which most are ill-prepared.

Very few of us are ready for long life expectancy. Even fewer of us are prepared for the likelihood of needing long term care (LTC). Sure, you might be thinking or even talking about your future needs. But 50% of seniors who “make plans” for their future financial needs rarely get past the planning stage.

In fact, more than 75% of seniors would rather plan for their funeral than plan for their final years. Talk about living in denial.

The High Cost of Denial

Many of us dwell in denial. After all, it’s a natural survival mechanism during complicated times like this. But refusing to plan for your future long term care needs helps nobody. I’ve railed against denial for years. When it comes to LTC, denial can be the ruin of people and families. The costs of LTC can be a destroyer of dignity, grace and finances without advance planning.

For those of us who’ve planned for LTC and embraced the possibility of living long lives, living at a CCRC (Continuing Care Retirement Community) is possible.

Jim and I are moving to a fabulous CCRC in February, 2018. That’s soon! Stay tuned for our updates.

In the meantime, if you think you’re going to live to 65, then 85, and maybe even 95… let’s make a plan for you. Click here to receive your free, no-obligation quote for your LTC insurance coverage.

Filed Under: Uncategorized

What’s a CCRC?

January 2, 2019 by Honey Leveen 2 Comments

They’ve been around for over a century, starting first in Europe, mostly connected to religious organizations. The U.S. had about 7 CCRCs by the 1900s and they have continued to expand since then as both non-profit and for-profit operations. These days, the country has thousands of these facilities as their popularity continues to grow.

So what, exactly, is a CCRC? It’s a Continuing Care Retirement Community.

Here’s an academic definition I got from a recent insurance course I took:

CCRC’s (Continuing Care Retirement Communities) provide housing for senior citizens, an entire continuum of long-term care services, from part-time services performed by nonskilled staff to skilled nursing facility services.

Individuals start out in independent housing and naturally transition through assisted living to skilled nursing care, all while staying in the same community.

Yawn. This definition is so bland!

The “Retirement Home” for Today

Senior Couple Walking Along Coastal Path

For starters, I think the word “Retirement” in the title CCRC is now obsolete. Many people, including myself, will continue to work while living in one.

CCRCs are a place where people can enjoy a carefree, safe, luxurious, fun, stimulating, enriching – no matter what your interests are – lifestyle. Ours offers a strong sense of community. The CCRC is legally obligated to provide care for you through the end of life. And until that time, you’re living your best life possible! You also aging with grace, honesty and dignity.

The core offering of a CCRC is the ability for its residents to “age in place”. They provide an environment that promotes healthy, independent living which typically contributes to a happier and richer quality of life.

As medical needs increase, the appropriate level of care is available without creating radical, unsettling changes. Residents continue to be part of the community, maintaining friendships in familiar surroundings. This “all in one” solution provides great peace of mind to the seniors and also to their family members.

Jim and I are moving to a place called Shell Point Retirement Community (Fort Myers, FL) in February, 2018. That’s really soon! We contemplated this move for a while. Eventually, our attitudes towards CCRC’s shifted. We realized moving now, while we are still healthy, active and vital, was not only wise, but feasible.

Moving to Shell Point does not mean I’m retiring! I will continue to work, because I love my job. I can offer 30 years of wisdom and insight into long-term care protection, plus strong, client-centered ethics. My phone and email will will not change; I’ll continue to support you. When I’m not working, Jim and I will experience a truly fun lifestyle!

 

Filed Under: Denial, Helpful Information About LTC, Information About LTC Tagged With: CCRC's, Florida, Ft. Myers, long-term care, Long-Term Care Planning, Shell Point Retirement Community

The Special Case for Women and Alzheimer’s

December 19, 2018 by Honey Leveen Leave a Comment

Elderly Woman with AlzheimersAs I reported in October 2015, Alzheimer’s disease has a disproportionate impact on women. As we close out 2018, the statistics have not improved for us. In fact, two-thirds of America’s 6 million Alzheimer’s patients are women. It’s time for us to pay special attention to women and Alzheimer’s disease.

First, some quick facts from the Alzheimer’s Association and the Women and Alzheimers site:

  • Every 65 seconds, someone in the US develops Alzheimer’s
  • At age 65, a woman has a 1 in 6 chance of developing Alzheimer’s disease. Her risk for breast cancer is 1 in 11.
  • Also by age 65, a woman is twice as likely to develop Alzheimer’s than a man. By age 75, she is three times as likely.
  • More than 60% of unpaid Alzheimer’s caregivers (friends and family of Alzheimer patients) are women.

More Likely In Women

It seems like Alzheimer’s disease can affect any family at any time. So why is it more prevalent among women? Is it because women live longer than men? After all, the disease is more prevalent as we age. But we now know that the early symptoms of Alzheimer’s often begin 20 years before they are ever diagnosed.

Genetic risk factors are now getting more attention and focus. Back in the 1990s, scientists found that the presence of the ApoE4 gene was the primary culprit in the patient’s memory and other mental abilities. Further tests showed that this is more applicable to females. 

Heart disease and smoking are also considered contributors to the onset of Alzheimer’s disease. So is depression, which is more common in women than in men. And there is always the deepening discussion around hormonal changes that are so much more intense for women as they age.

Because women usually take on the responsibility of caregiving, there is some research that points to this extra emotional burden as a possible risk factor. 

Alzheimer’s patients and their families have a great amount of uncertainty and difficult decisions in their future. If you or someone you love is a woman, extra care should be taken to prepare for this disease.

Don’t get caught by surprise when the statistics are this powerful. You can begin by clicking here to receive your free, no-obligation quote for a long term care insurance policy.

Filed Under: Helpful Information About LTC, I'll Just Self-Insure, Information About LTC Tagged With: Alzheimer's Association, Alzheimer's Disease International, Alzheimer's Society, Alzheimers Disease, Long Term Care insurance, long-term care insurannce, Long-Term Care Planning, LTCi facts

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Email: honey@honeyleveen.com

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Honey Leveen, LUTCF, CLTC, LTCP
“The Queen, by Self-Proclamation, of Long-Term Care Insurance (LTCi)”
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Phone: 713-988-4671
Fax: 281-829-7177

Email: honey@honeyleveen.com

Email: honey@honeyleveen.com

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