Long Term Care Insurance Expert | Honey Leveen | Houston, TX

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The Best Surprise is What CCRC’s Don’t Pitch In Sales Presentations

April 3, 2019 by Honey Leveen 6 Comments

Social capitalJim and I have now lived in Shell Point Retirement Community (SPRC) a little over a month. Shell Point is a CCRC (Continuing Care Retirement Community).

I am still working, so please do not hesitate to call me for any help you may need or with questions you may have!

This first month flew by in a dizzying flash, as you can imagine. Our new home still needs work, but happily, we’re on the tail end of settling in and I can resume blogging.

This was an exceptionally well-thought-out move. I have researched and understood the complete long-term care continuum for the past thirty years. Not only has it been my job — it’s been my passion.

The warm welcome and continued staff support we receive has been extraordinary. So much so, in fact, that it deserves a separate blog post, so stay tuned.

It feels absolutely liberating to have downsized! I highly recommend it. Now we own our stuff, our stuff doesn’t own us.

But this post isn’t about the exceptional “resident first” employee culture they have here, or the huge merits of downsizing.

The inspiration for this piece, what they don’t fully describe during sales presentations, is the unexpected impact of increased Social Capital.

The Value of Social Capital

I anticipated that our sense of well-being and overall happiness would increase when we got here, but I never could have imagined by how much. Now I know a lot of the reason why: it’s the increased Social Capital that is at the core of this particular CCRC.

My discovery of Social Capital led to Robert D. Putnam’s acclaimed book “Bowling Alone“. Mr. Putnam’s research documents how the decline of social capital since 1950 has led to more divorce, anxiety, suicide, cynicism, resignation, “compartmentalized” belief systems and lives, distrust, and depression.

In his blog, noted therapist Joe Whitcomb describes the decline of social capital this way: “Today, society and people are more isolated, alienated and disconnected than ever before in all of history… We are more globally connected by technology but even more alone.”

While living in Houston, I knew hundreds, if not thousands of people. It was a lot of fun to walk into Rotary, be recognized and feel loved. But this alone is not all that’s needed for feeling increased security and belonging.

We had a beautiful home for eighteen years, yet we rarely interacted with our neighbors. I always found this troubling. They had their own obligation-laden, busy lives and concerns, and so did we. We usually just smiled and waved as we drove past in our “hermetically sealed” cars. We didn’t know much about each other’s lives even though we lived a few feet apart.

Howdy, Neighbor!

In my new community, people walk by all day long. We often stop and chat, or at least smile and greet every passerby. The post office, salon, fitness center, medical center, and restaurants are all within an easy 3-5 minute walk. Walking gets us out where we see, greet and socialize with others, truly connecting with our neighbors.

It is not necessary to share belief systems or have much in common with neighbors to achieve increased Social Capital, a sense of connection, the feeling that you matter. Even the shortest of social exchanges gives me a happiness “ping” that feels like an endorphin release.

24/7 healthcare, enriching activities, and an engaging lifestyle are available here. But maybe the largest “plus” (and our greatest surprise) is the increased Social Capital.  This affirms that our shared human need is to create peaceful, joyful homes and community. This is easily achieved by developing this all-important social capital.

Are you wondering if you can afford this upgrade to your own quality of living? Click here to receive your own complimentary, no-obligation quote for long-term care insurance coverage.

 

 

 

Filed Under: Correcting Ignorant Public Figures, Denial, Elephant in the Room, Information About LTC, The Magic of owning long-term care insurance Tagged With: CCRC's, Shell Point Retirement Community, Social Capital

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

To Move or Not to Move…

February 23, 2012 by Honey Leave a Comment

Many elders insist on staying at home, rather than transitioning to an independent or assisted living facility.  I’ve been advising against doing this for years. Long-term care at home may cause isolation or possibly even caregiver abuse. Existing studies already prove the importance of social interaction for those needing LTC. Staying at home is not as safe from a medication management, home maintenance, proper nutritional and safety and security standpoint, either. Now, a new study, titled, “Myths & Realities of Continuing Care Retirement Facilities (CCRC’s)”  backs me up on this.

The study was performed by nationally recognized gerontologist Ken Dyhtwald of Age Wave and sponsored by Vi (71 South Wacker Drive, Suite 900,Chicago,IL 60606), a leader in senior living that currently operates ten continuing care retirement communities (CRCCs). 

 With careful research, the study debunks these five “myths:”  

1. “My current home will be the best possible place to live in my post-retirement years.”

2. “My current home is the best option to continue an active social life and stay connected with my friends.”

3. “It’s less expensive and more financially secure for me to stay in my current home.”

4. “It would be easy to get any care I need at home.”

5. “CCRCs are filled with old people who are sick and dying.”

The cost of Vi’s typical CCRC is approximately $2,800 per month, which covers rent, food, and all social/learning activities.  Even if your mortgage is paid off, property taxes, home insurance, utilities, food, transportation, maintenance/repairs, etc can add up to a very big number! 

 When it’s time to progress to assisted living, compared to the average $55,000 per year cost for home health care, the average cost of $39,000 per year in an assisted living facility looks pretty attractive.

 And, as always, the good news is that home health care care or assisted living at a CCRC will be covered by your long-term care insurance policy. 

I urge all seniors to visit some CCRCs in their area to see what a supportive, friendly home they offer.  I think you’ll find that these myths fade away very quickly.

 

 

Filed Under: Helpful Information About LTC, Information About LTC Tagged With: Age Wave, assisted living, CCRC's, Continuing Care Retirement Communities, home health care, Honey Leveen, Ken Dyhtwald, Long Term Care insurance, long-term care costs, LTC costs, LTC Insurance, Nursing Homes, Vi, www.honeyleveen.com

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Phone: 713-988-4671
Fax: 281-829-7177

Email: honey@honeyleveen.com

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Honey Leveen, LUTCF, CLTC, LTCP
“The Queen, by Self-Proclamation, of Long-Term Care Insurance (LTCi)”
404 Royal Bonnet
Ft. Myers, FL 33908

Phone: 713-988-4671
Fax: 281-829-7177

Email: honey@honeyleveen.com

Email: honey@honeyleveen.com

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