Looking for the best Nursing Homes in Pennsville Township that offer the best services there is might be a hard task to do especially if you do not have a criteria to follow on how to look for one. There are already a lot of Retirement homes that offer quality services out there, but what you really need to find is a Retirement home that is just right for your needs. Using a Retirement homes Evaluation Checklist is a great way for you to find the best nursing homes suitable for you. The following are some of the most common criteria that you should use when choosing for the right nursing home.Lastly, you should look at the recreational activities being offered in the nursing homes. These should promote the health and wellness of the residents in the nursing home, and help develop friendship and camaraderie among residents.
Are Nursing Homes Covered By Long Term Care Insurance?
We generally do not think about long-term care until and when we experience it in our lives. Oftentimes it takes the form of a loved one (typically a parent) who becomes suddenly disabled and the family (typically the children) steps in to assist. That assistance soon begins to take more and more of our time, affecting our jobs, our own families, and ultimately our lives. When this happens we all become fast studies in the field of long term care and, unfortunately, when there is inadequate planning, it is often too late. We are transformed from loved ones into long term care providers. Out relationship, with respect to our disabled loved one, changes forever and the stress that results can easily strain a family to the breaking point. If anyone has ever had a parent become disabled you know what I am talking about.
A misconception is that long-term care is covered either by health insurance or by Medicare. Health insurance does not pay for long-term care and Medicare, Part A, will only cover the first 20 days of long-term care 100%, but only under certain very restrictive conditions. Beyond the first 20 days, Medicare requires you pay the first $133 (2009) of expenses per day and this limited coverage only lasts for 80 days. Then you are on your own.
The sad fact is that long-term care, when properly planned for, can be a manageable process that leaves the family relationships in tact and allows us to instead act in an oversight capacity, rather than in a hands-on custodial care capacity. Stress is significantly reduced, our jobs do not suffer, and our direct family unit stays in tact as well.
Long-term care refers to assistance needed by anyone for a chronic illness. A chronic illness is long-term illness that will not go away, such as Alzheimer's, Parkinson's, emphysema, arthritis, diabetes, heart disease, a stroke which affects physical activities permanently, and sudden accidents which leave you permanently disabled. Long-term care may require skilled medical care or non-skilled medical care (custodial care).
The best advise I can give you is to secure the services of a Certified Financial Planner, or an insurance agent who is certified by the Corporation for Long-Term Care. Either can craft a long-term care policy that is affordable and meets your needs. Remember, each year you put off planning for long-term care will cost you in higher premiums and exposes you to the risk of needing long-term care.
Are Nursing Homes Covered By Long Term Care Insurance?
We have become all too familiar with nursing homes. Families in the United States usually move their elderly loved ones to a nursing home for a long-term or permanent rehabilitation service. However, in 1990s, assisted living facilities were born giving the elderly and their families a better option. Assisted living facility is referred by different names such as retirement homes, old people homes, nursing homes, retirement communities, and more. It is also known as senior housing while other states refer to it as retirement living home, adult living facility, elderly care housing, among others.
A Nursing Home is a skilled care facility for senior citizens who need 24-hour medical attention. This is for elderly with chronic medical conditions who needs and requires round-the-clock skilled care, long-term attention, and also for short-term recovering patients after being discharged from the hospital.
On the other hand, assisted living residence is for seniors who cannot independently live in their homes, who need assistance in their daily living activities and would want to grow old in an environment that provides a warm, peaceful, and safe home environment with new and balanced lifestyle and socialization, thus, allowing them to nurture new friendships with other residents and subsequently improve their physical, mental and emotional condition.
Lastly, the average daily cost for assisted living is still less than half the average daily cost for a private room in a nursing home. The average rate for a semi-private room has increased by 1.1% from $189 daily (in 2007) to $191 daily (in 2008) while the average assisted living rate has increased by 2.1% from $2,969 monthly (or approximately $98 daily in 2007) to $3,031 monthly (or approximately $101 daily in 2008). The average rate for a private room in an Alzheimer's wing is $219 and $198 for a semi-private room in the same wing. Rates vary by region and depending on the number of services included.
Quality of Life - the key difference between living at home and living in an assisted living home.