general-assisted-living-questions

<ul><li>What services are typically offered at assisted living communities?</li></ul>Though every community is different, at minimum you should expect safe, comfortable living spaces, caring staff to assist with daily tasks, three daily meals, and regular social activities. Other services that are also commonly offered include:<ul><li>Transportation services</li><li>Basic medical care</li><li>Medication monitoring</li><li>Day trips</li><li>Structure exercise classes</li><li>Religious services</li></ul><h2>&nbsp;&nbsp;&nbsp;&nbsp;</h2><ul><li>What is the difference between assisted living and a nursing home?</li></ul>Also called skilled nursing, a nursing home is a better option for seniors who need considerable, 24/7 daily care, or memory issues. Assisted living communities are best for those who are largely self-sufficient, active, and are looking to simplify their lifestyle, with a little extra help.&nbsp;&nbsp;&nbsp;&nbsp;<ul><li>What is the difference between assisted living and independent living?</li></ul>Seniors living in independent living communities typically need very little, if any, daily assistance. They live their life taking care of the far majority of their daily tasks including cooking, bathing, cleaning, getting around, taking their medications, etc.Those in assisted living are largely self-sufficient, but do need some daily assistance for the tasks above. Both should expect full privacy on a daily basis.<ul><li>How do I know assisted living is the right choice for my loved one?</li></ul>It can be hard to make the decision about whether your loved one should live in an assisted living community. We recommend seriously considering what difficulties they experience on a day-to-day basis. Would living in a community make life easier for them?Also take time to research and deeply look into all of the different options. This can be an invaluable way to determine what the best choice is for your family and your loved one.<ul><li>What levels of care and services should my loved one expect?</li></ul>Levels of care and services vary depending on the cost of the community, and the community itself.Typically, the more expensive the community, the more amenities and services will be offered. All communities should be 100% certified, clean, offer daily meals, a comfortable living space, friendly staff members, daily assistance, basic medical services, and social activities.However, as the price rises you can expect additional services like day trips, larger living spaces, more meal options, additional social events, housekeeping, higher levels of medical care, transportation, concierge services, and more.Some communities will also specifically focus on certain areas like memory care, social activities, religious preferences, etc.<ul><li>How do I narrow down my options and make the right choice?</li></ul>It’s most important to determine what your loved one’s primary needs are. Do they want to be close to family in an<a href="https://www.seniorly.com/assisted-living"> assisted living near you</a>? Engage in social activities? Get specific medical care?Once needs are determined, compare all of the options that fit the criteria that also fits in your budget. This should help you narrow down your choices. Touring the communities should help you narrow it down even further.

medical-care-and-safety

<ul><li>Do they offer emergency services?</li></ul>Though all assisted living communities should have First Aid and CPR certified staff on-site at all times, most don’t have full-fledged emergency services, though they should provide 24-hour emergency ready staff.Instead, they are trained to call the nearest emergency hospital or community for quick assistance while providing basic care until help arrives.<ul><li>What if my loved one has a medical emergency?</li></ul>Though some higher-end communities may have emergency services on-site, the majority of communities will immediately call the closest ER for assistance.Certified staff will be at your loved one’s side to provide basic care and first aid while waiting for additional medical professionals. Staff will also immediately call the listed emergency contact to inform them of the incident.<ul><li>Is there always a nurse on-staff?</li></ul>It depends. Some will have a full-time nurse on-staff to oversee Certified Nurse Assistants (CNAs), aides, and nursing assistants, as well as monitor any residents needing specialized care. Other communities will instead employ on-call, visiting or part-time nurses.Either way, the majority of day-to-day medical care responsibilities is done by CNAs, aides, nursing assistants, and other care staff. All communities should provide 24-hour certified emergency ready staff.<ul><li>Is there a doctor on-staff?</li></ul>Usually, no. Though some higher-end community may have full-time doctor on-staff, most call doctors in only if needed. Others may have set hours that a local doctor will have on-site “office hours,” or residents will go off-site for all doctor’s visits.<ul><li>Is the medical team certified?</li></ul>The entire medical team at any assisted living community you consider should be completely certified. Always ask to see all certifications before deciding on a community.<ul><li>Do they offer memory care?</li></ul>Though some assisted living communities offer specialized memory care services, the majority do not. Instead, research specific memory care communities so your loved one can find the community that perfectly fit their needs.<ul><li>Do they offer specialized medical services?</li></ul>This greatly depends on the specific community. Some do specialize in specific medical needs or have staff that focuses on those needs. However, most focus on general day-to-day medical needs.If a resident requires specialized care, they will either visit an off-site specialist, or it may be recommended that they look into a skilled nursing or memory care community.<ul><li>Is medical care included in the cost?</li></ul>It depends. At least some medical care like basic health monitoring and medication management, etc. is often included in the monthly costs, or as part of a monthly “care services” fee.However, any additional medical care such as physical therapy, immunizations, emergency care services, injuries, etc. will cost additional fees.As this can differ, do talk to each community for details on their specific policies.<ul><li>Is the assisted living community safe?</li></ul>Any community you seriously consider should go above and beyond to prove the safety of their community. They should always provide proof of being completely certified.Always talk to the head of security, as well as upper management to discuss what safety and security measures they employ. Ask about in-room safety measures like pull-alarms.<ul><li>Is the entire community wheelchair accessible?</li></ul>All communities should be certified as wheelchair accessible throughout.

daily-living

<ul><li>How is the food?</li></ul>No matter the community, all food should be nutritious, warm, and served three times a day. However, the quality and options will rise as the monthly community fee goes up.<ul><li>Can my loved one bring their pet?</li></ul>In many assisted living communities, residents are welcome to bring their pet with them. Check with each community to discuss their particular pet policies.<ul><li>Are visitors allowed?</li></ul>Of course, all family and friends are welcome to visit residents. However, due to security reasons, you will likely need to check-in at the front. There many also be specific visiting hours, so check with each community.<ul><li>What are the housing options?</li></ul>No matter what, all communities should offer clean and comfortable housing options.From there it can greatly vary, often depending on price. Housing options can range from a shared studio space, to two-bedroom apartments with a kitchenette, and anything in-between.<ul><li>Are there transportation services?</li></ul>The far majority of assisted living communities will offer transportation services. However, whether they charge a fee for transportation, or what kind of transportation is offered, will vary.Many communities will offer transportation to off-site doctor’s appointments, or other appointments. They also often offer regular shopping or day trips. However, talk to each community for specific details.<ul><li>What kind of activities are typically offered?</li></ul>All communities will offer social activities for residents, though some communities will offer more than others. In general, expect activities like:<ul><li>Social Hour</li><li>Movie Nights</li><li>Dances</li><li>Day Trips</li><li>Birthday Celebrations</li><li>Holiday Parties</li><li>Religious Services</li><li>Art Classes</li><li>Musical Guests</li></ul>

assisted-living-costs

<ul><li>How much does assisted living cost per month?</li></ul>On average in the U.S., in 2019 assisted living currently cost $4,051 per month, though this price can vary greatly depending on location, amenities, daily activities, on-site medical care and more. The average number can reach as high as $6,960 in New York state., and as low as $2,881 in Missouri.<ul><li>What is typically included in the monthly rate?</li></ul>Every community may vary, so contact each one for specific details. However, monthly rates typically include rent, three meals per day, daily activities and events, and basic medical care and monitoring.&nbsp;&nbsp;&nbsp;&nbsp;<ul><li>What is typically NOT included in the monthly rate?</li></ul>Though this can vary, services like cable, ER visits, additional meals, physical therapy, and other additional medical services are not usually included.Talk to each community about their specific rates.<ul><li>What can we realistically afford?</li></ul>By carefully compiling your loved one’s current monthly expenses, as well as any additional aid or assistance, you should be able to come up with a reasonable assisted living monthly budget.<ul><li>Is assisted living worth the cost?</li></ul>Though the initial sticker shock of monthly assisted living fees is understandable, once you factor in all of your loved one’s current expenses including rent, bills, food, transportation, medical care, etc. many find that assisted living is comparable, if not actually cheaper.Also, the peace-of-mind in knowing your loved one is happy and content in a safe environment is often priceless.<ul><li>Are there additional fees?</li></ul>It wholly depends on the community, but some communities will charge extra for auxiliary medical care, physical therapy, housekeeping, additional meals, cable, day trips, transportation, meal delivery fees, etc.Ask each community about what fees are included and which are additional.<ul><li>Are there upfront fees?</li></ul>Many communities do require one-time upfront fees. This often acts as a deposit to reserve their spot in the community. It is typically not refundable and often costs around $1,000.<ul><li>Why do costs vary so widely? Every community offers unique services. Though all communities should be 100% certified and offer stellar care and comfort, some will offer more on-site amenities, housing options, and services than others. Location can also play a large part in cost differences.</li></ul>

financial-assistance

<ul><li>Can I afford assisted living for my loved one?</li></ul>There is almost always the perfect community in you and your loved one’s budget. Determine what your loved one’s current living expenses are and use that number to guide what you can afford.If money still seems tight, look into the multitude of financial aid options that can help you find the perfect community in your budget.<ul><li>What financial aid options exist? Do they accept Medicare, Medicaid, or VA benefits?</li></ul>Yes. Many financial aid options exist, including<a href="https://www.medicare.gov/what-medicare-covers/part-a/other-long-term-care-choices.html"> Medicare</a>,<a href="https://www.medicaid.gov/medicaid/eligibility/"> Medicaid</a>,<a href="https://www.seniorly.com/resources/articles/veterans-benefits-for-assisted-living"> VA benefits</a>, payment plans,<a href="https://www.hud.gov/program_offices/public_indian_housing/pha/contacts"> low income services</a>, etc.Talk to the community as well, as they often have additional options to help your loved one afford to live in the community of their dreams.<ul><li>Do communities offer payment programs or financial assistance?</li></ul>Many communities do offer payment programs, financial assistance, or options to help your loved one afford the perfect community for them. Some may even negotiate to find a perfect financial solution.We recommend talking to you top communities to see what specific options they offer.

touring-a-community

<ul><li>Do I need to tour the community?</li></ul>Though it’s not required, we always recommend you tour any assisted living community under serious consideration. This is the best way to ensure it’s the perfect fit for your loved one. It’s not uncommon for brochures, ads and online descriptions to be deceiving.Experiencing the community in person not only will provide an accurate picture of the comfort, social life, staff, location, amenities, etc., it also allows you to look for major safety or cleanliness issues that are impossible to detect otherwise.For more on tours, check out our page on <a href="https://www.seniorly.com/resources/articles/evaluating-assisted-living-communities">evaluating assisted living</a> communities.<ul><li>Should my loved one come on the tour with me?</li></ul>If possible, we strongly recommend you bring your loved one on the tour with you. After all, they’re the ones that will be living there!Even if you suspect they’ll be impartial or apathetic to the final decision, sometimes actually seeing them inside a particular community can help signify whether it truly fits as their new home.<ul><li>How many communities should I tour before choosing one?</li></ul>Typically, people usually explore about 2–4 communities&nbsp; before finding “the one”. The ability to compare multiple communities is a helpful tool for many. However, there’s really no right answer. If the first place you tour feels just right, go for it. If you feel the need to explore every assisted living community in the state before making the decision, that’s ok too.<ul><li>How do I schedule a tour?</li></ul>The best way to tour is with a<a href="https://www.seniorly.com/agents"> local senior living expert</a>.&nbsp; They are not affiliated with any property and therefore do not have any agenda.&nbsp; You will want to find out if that expert is earning a percentage of rent from each property.&nbsp; If the expert will only arrange tours where they get a commission, we recommend you use their services, but also do you own shopping around.&nbsp;Finally, though every community may be different, typically you can set up a tour by visiting the community's website and scheduling a tour online or calling them directly.Make sure to ask for and choose a time when the community is active. This will help provide an accurate deception of the community.<ul><li>What should I expect on a tour?</li></ul>Typically, tours take anywhere from 45 minutes to 2 hours. However, all tours should be tailored to your loved one’s specific needs and desires. You should never feel rushed on a tour and all questions should be happily answered.At the start of the tour, expect to sit down and discuss exactly what you and your loved one is looking for in an assisted living community in terms of comfort, activities, finances, medical care, and more.Then you’ll be taken around the entire community where you can expect to see residences, activities, dining halls, medical centers, etc. We also suggest staying for a meal to gauge food quality, and see the community during (what should be) an active, social time.For more on tours, check out our page on<a href="https://www.seniorly.com/resources/articles/evaluating-assisted-living-communities"> evaluating assisted living</a> communities.&nbsp;<ul><li>What questions should I ask?</li></ul>Whatever you want! No question is a bad question when it comes to your loved one’s safety, health, and happiness. A quality community should have zero hesitation in addressing any concerns.For a full list of questions you may want to ask, check out our full printable list here.<ul><li>Who should I meet at a tour?</li></ul>As many staff and residents as possible. Do always meet the head of marketing, security, and nursing or medical care. However, it’s often lower level staff and residents that your loved one will be interacting with on a daily basis.Talk to and observe the care staff, housekeepers and medical team. Are they friendly and helpful towards the residents? Also talk to current residents about how they enjoy living in the community. They can provide priceless insight into what everyday life is like.<ul><li>What should I look for while on a tour?</li></ul>Keep an especially earnest eye out for safety or sanitation issues. Are all rooms and communities completely accommodating for seniors with mobility issues? Do you notice strange smells or stains? Do all residents appear to be well cared for?Also, pay attention to daily activities and levels of socialization. Does it match the lifestyle of your loved one? Can you imagine them feeling at home there.For more on tours, check out our page on<a href="https://www.seniorly.com/resources/articles/evaluating-assisted-living-communities"> evaluating assisted living</a> communities.Now that you're prepared, let us help you find the perfect assisted living community near you. Enter your city or zip code in the search box below.

Find assisted living communities near you

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Learn about different senior living options, common terms, and more so that you can make the best decisions for yourself or your loved ones.

Senior Living Guides

Explore common assisted living questions to find the answers you're looking for. Seniorly can help you understand the ins and outs of this type of senior living.

 Assisted Living FAQs

When it comes to finding an assisted living situation that's the right for you or your family members, it's not a one-size-fits-all matter. Every individual has unique needs, and it's crucial to understand the difference in levels of care, the impact they have on assisted living pricing, and how the levels of care are determined in the first place. Assisted living levels are an important part of the decision-making process, and we're here to help you learn everything you need to know to make confident decisions.

assisted-living-care-assessments-whats-included

Trained nurses are usually in charge of conducting an assisted living care assessment and making the appropriate recommendation. Interestingly, there is no universal standard for levels of care. Most assisted living communities use their own scale, or a state standard, to determine how much care their residents need. In California for example, a <a href="https://www.cdss.ca.gov/cdssweb/entres/forms/english/lic602a.pdf" target="_blank" rel="noopener noreferrer">form 602</a> will outline these items, while in Rhode Island, the <a href="https://health.ri.gov/forms/assessment/AssistedLivingResident.pdf" target="_blank" rel="noopener noreferrer">assessment</a> is slightly different. Regardless of what state you live in, assessments will often cover the following items:<ul><li>Mobility: Here, things like getting up from a chair, moving around, and walking independently are looked at. It's all about making sure movement is safe and manageable.</li><li>Eating and drinking: It's important to check if someone can eat by themselves or if they'll need a bit of help during meal times.</li><li>Medical history review: Going through past and present medical records is vital to understand what conditions the person has, what help they might need, and if there are any risks that need to be managed.</li><li>Toileting: Nobody likes to talk about it, but it's important to check someone's abilities when it comes to bathroom habits. If toileting is a challenge, then a higher level of care might be required.</li><li>Substance use history: It may not be a comfortable topic, but it's crucial to understand if the person has a history of drug or alcohol use. This information plays a crucial role in planning care and understanding the person's overall health context.</li><li>Medication management: One key part of the assessment revolves around the person's ability to manage their medications. Can they remember when and how to take them?&nbsp;</li></ul>Essentially, an assisted living assessment revolves around evaluating activities of daily living, often abbreviated as <a href="https://www.seniorly.com/what-are-activities-of-daily-living-adls" target="_blank" rel="noopener noreferrer">ADLs</a>. These are the basic tasks that we perform every day, things that most of us take for granted By examining how well someone can manage these activities, the trained nurse can gauge the level of assistance that individual might need.

levels-of-care-in-assisted-living-the-acuity-scale

Some assisted living communities use an acuity scale to determine how much care a resident needs. For some communities, this might be a scale of 1-3, for others, it might be more nuanced and go from 1 to 5. This scale helps community staff understand what each individual resident might need day-to-day, and it helps them to evaluate residents over time, to adjust their care as their needs change.When you’re visiting or evaluating assisted living communities, ask staff if they have such a scale and how they define each level of care. Also, be sure to ask if there is a level at which they might not be able to care for your loved one, or at which additional caretakers may need to be brought in.If the assisted living facility allows it, nurses, rehabilitation therapists, or hospice workers might be able to tend to your loved one in the home they’ve known in their assisted living community.For example, level 1 care might mean that a senior needs help with a single ADL, like dressing, or just reminders about taking medication, while level 5 care could mean that a senior needs help with four or more ADLs throughout the day.<h3>A note on high vs low acuity:</h3>You might come across the terms “low acuity” or “high acuity” when discussing care levels for older adults. To simplify, low-acuity patients need very little care in comparison to high-acuity patients.<ul><li>High Acuity: This refers to situations where individuals require extensive, round-the-clock care due to physical limitations, severe cognitive impairments, or serious medical conditions. Such individuals often need help with most, if not all, daily activities, ongoing medical treatment, and constant monitoring to ensure their safety and well-being.</li><li>Low Acuity: On the other end of the spectrum, low acuity refers to individuals who maintain a level of independence and require less hands-on care. These individuals may need assistance with only a few specific tasks, such as bathing or medication management, and generally remain mobile and cognitively sound.</li></ul>

level-one-low-level-or-minimal-assistance-in-assisted-living

<figure class="image"><img src="https://seniorly.s3.us-west-1.amazonaws.com/uploads/77fb934c4f5c04b1656ff66faaa09195/pexels-marcus-aurelius-6787520.jpg"></figure>Individuals whose care needs are minimal would be categorized as needing a low level of care in an assisted living facility. For these individuals, a community that includes an <a href="https://www.seniorly.com/independent-living" target="_blank" rel="noopener noreferrer">Independent living</a> option is great. This term often covers seniors living independently within their own condos or homes in a 55+, or independent living senior community. Seniors in these environments have full kitchens to prepare their own meals (even if group dining is an option) and might still have their own cars. Seniors in independent living typically don’t need or receive any help with the<a href="https://www.seniorly.com/what-are-activities-of-daily-living-adls" target="_blank" rel="noopener noreferrer"> activities of daily living</a> (bathing, dressing, eating, etc.).Seniors living in <a href="https://www.seniorly.com/continuing-care-retirement-community" target="_blank" rel="noopener noreferrer">CCRCs (Continuing Care Retirement Communities)</a> might start out in the independent living side of the community, and age in place: moving to the assisted living wing when necessary and sometimes even into <a href="https://www.seniorly.com/memory-care" target="_blank" rel="noopener noreferrer">memory care</a>, if they need it and their CCRC has this capability.&nbsp;Those requiring a lower level of care would likely see this factored into a lower average monthly rent; that's why you'll want to figure out how much assistance they need.

level-two-medium-level-of-care-in-assisted-living

<figure class="image"><img src="https://seniorly.s3.us-west-1.amazonaws.com/uploads/2dcb66c8fd5aae9784d15a302fd10ea2/pexels-andrea-piacquadio-3768131%2520%282%29.jpg"></figure>Assisted living is when trained caregivers help seniors with the activities of daily living (ADLs), a medical term you’ll hear frequently when discussing senior care.When seniors are having trouble getting around safely, eating, or grooming (bathing, dressing, etc.), caregivers can provide more hands-on assistance. Think about if your loved one's needs would be better met with an at-home, hands-on assistance or in an assisted living environment.Your loved one can receive the equivalent of assisted living care in their own home, with in-home care, or they can move into an assisted living community. These communities offer residential care and typically provide group dining, socialization with peers, accessibility, and safety features, as well as the availability of round-the-clock care. Assisted living staff can help seniors take medication on time and correctly, as well as help them with toileting or getting out of bed in the morning. Assisted living facilities usually offer suites or rooms that can be private or shared with a roommate, depending on seniors’ preferences and what they can afford. You can also find this care in <a href="https://www.seniorly.com/board-and-care-home" target="_blank" rel="noopener noreferrer">board and care homes</a>, which are much smaller than typical assisted living communities, usually operated out of a single-family home.

level-three-high-level-of-care-in-assisted-living

<figure class="image"><img src="https://seniorly.s3.us-west-1.amazonaws.com/uploads/ad9ca08262c905127d08c448621ff3df/pexels-kampus-production-7551633%2520%281%29.jpg"></figure>Aging adults often eventually need more care than assisted living can provide. Typically, this means that in addition to helping with ADLs, they also need medical services . Or they might temporarily need more intensive care, perhaps after surgery or illness. This is where skilled nursing facilities come in. <a href="https://www.seniorly.com/skilled-nursing-facility" target="_blank" rel="noopener noreferrer">Skilled nursing facilities</a> (SNFs) can provide medical care for as long as seniors need it.Seniors that need wound care, injected medication, rehabilitation therapies, or other skilled nursing care, can find this kind of care at SNFs. Some assisted living communities will also allow you to bring nurses or other outside specialists in, especially if it will just be for a limited time.

other-levels-of-care-memory-care

Seniors with diagnosed Alzheimer's or dementia can have widely varying needs. Some might have memory issues for years and still only need some daily reminders, while others with advanced cases will need help with everything from bathing to eating.Because each case is unique, it's a little difficult to fit memory care facilities into a low-to-high-care level framework. But in general, you can think of them as being on the higher end of the scale, since they are designed with extra security for wandering residents and hire specially trained staff.Whether you and your loved one are looking for in-home care or a senior living community, the levels of care provided by each will progress along similar lines. If you aren't sure what level of care your elderly loved one needs, consider consulting with a <a href="https://www.seniorly.com/resource-center/senior-living-guides/the-benefits-of-a-geriatric-care-manager" target="_blank" rel="noopener noreferrer">geriatric care manager</a>. Also, keep in mind that assisted living communities will want to evaluate your loved ones.

choosing-the-right-assisted-living-facility

While navigating the complexities of care options can be overwhelming, we are fortunate to have dedicated professionals, caregivers, and resources available to advise on care for our loved ones. Seeking advice from healthcare professionals, visiting different facilities, and gathering as much information as possible can help us make informed choices.From independent living options that promote autonomy and social engagement, to assisted living facilities that provide support and assistance with daily tasks, and finally, to skilled nursing homes that offer round-the-clock medical care, each level of care serves a specific purpose and addresses different levels of dependency.Above all, let us approach the care of our elderly loved ones with compassion, kindness, and a commitment to ensuring their quality of life.

Ready to start your search?

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Angelica Herrera-Venson reviews content related to healthy aging and caregiving for Seniorly. With deep experience in public health policy and analysis, Dr. Herrera-Venson has focused much of her career in gerontology and public health. She has over 20 years of experience informed by research in diabetes care management, dementia, caregiver wellbeing and mental health in minority aging populations. &nbsp;Dr. Herrera-Venson is a former National Institute of Mental Health fellow in geriatric psychiatry and a Health and Aging Policy Fellow. &nbsp;She holds a Doctorate of Public Health from Loma Linda University and a Master of Public Health in Epidemiology from the University at Albany, SUNY.&nbsp;

Associate Director, Data & Evaluation, National Council on Aging

Wondering how assisted living determines the level of care you'll need - and how much you'll pay? Seniorly's got everything you need to know about how an assisted living community will determine your level of care.

Levels of Care in Assisted Living: What You Need to Know

Residential Care Facilities for the Elderly (RCFEs) include <a href="https://www.seniorly.com/senior-living" target="_blank" rel="noopener noreferrer">assisted living</a> or<a href="https://www.seniorly.com/resources/articles/understanding-board-and-care-homes"> board and care homes</a>. These senior communities provide help with activities of daily living such as dressing and bathing, but do not provide skilled medical care (as a skilled nursing facility would, for example).In California, RCFEs are licensed and monitored by the <a href="https://www.cdss.ca.gov/inforesources/adult-care-licensing/resources-for-residents-and-families" target="_blank" rel="noopener noreferrer">California Department of Social Service</a>s. This means that senior housing staff are required to maintain specific documentation related to all residents. You will be asked to complete some of these RCFE forms before you move into one of these senior communities.Here is an overview of these required RCFE forms. Some senior communities may have other documentation they will want you to complete as well.<h2>Identification and Emergency Information</h2>This includes basic information about you as well as contact information for family and others who help you with finances or should be contacted in an emergency.<h2>Physician’s Report</h2>This form is completed by your doctor and provides basic medical information. Because RCFEs do not provide skilled nursing care, this form is required to determine whether the facility is appropriate for you. You, or your legal representative, will need to sign to give your doctor permission to provide the information requested.<h2>Resident Appraisal</h2>You, or someone you authorize, will need to complete this form. Like the Physician’s Report, this form provides information about your health, but from your perspective, rather than your doctor’s. It also asks you to share information about your interests and activities, what you like and don’t like, the type of help you think you need, and any other information that will help the staff determine if the community is appropriate for you.<h2>Release of Resident Medical Information</h2>You, or someone you authorize, will need to complete and sign this form for each relevant medical professional who may have information to share with the senior community.<h2>Personal rights</h2>This RCFE form outlines your rights as a resident in the senior community. Staff at the community are required to review these rights with you, answer any questions you may have, and let you know who you should contact if you have any complaints or feel your rights have been violated. You, or someone you authorize, will need to sign this form to indicate that you have been told about and received a written copy of your personal rights.<h2>Resident Personal Property and Valuables</h2>Senior housing facilities are responsible for keeping any personal property or valuables you bring with you safe. This form is a list of these items. You, or someone you authorize, will be asked to sign next to each item listed and you will be given a copy. The list will be updated as needed when you get rid of or add items.<h2>Appraisal of Needs and Services Plan</h2>Senior communities are required to work with you and anyone else you wish to identify your needs and develop a plan to meet those needs. This is a detailed plan that covers social, emotional, mental, health, and functional skills. For each need, it includes the time frame for addressing the need, who will be responsible for helping you with that need, and how they will evaluate progress. You, or someone you authorize, will need to sign the form once the assessment and plan are completed.<h2>Consent for Emergency Medical Treatment</h2>You, or someone you authorize, will be asked to complete this RCFE form to give permission to the senior community to provide emergency medical treatment if needed.<h2>Telecommunications Device Notification</h2>Senior communities are required to provide you with equipment or services you may need to use the telephone if you are deaf or have a hearing impairment. You, or someone you authorize, will be asked to sign this form to acknowledge that you have been informed of this right and the steps you need to take to get the equipment if needed.This may seem overwhelming, but you don’t have to tackle this process alone. In addition to the staff at the senior community, Seniorly is here to help. Our on-staff gerontologist is always available to speak with families about their concerns prior to moving into a community and can provide expert advice regarding the transition process.

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Ashley Quiambao reviews legal content for Seniorly. A graduate of the Touro University Jacob D. Fuchsberg Law Center, Ms Quiambao has practiced elder law for over over seven years. &nbsp;She has deep experience in managing complex legal matters of trusts and estates, medicaid planning, and &nbsp;issues related to guardianship and power of attorney. &nbsp;Ms Quimbao practices law under the name of Ashley Hall.

Senior Associate Attorney, Patricia Rooney P.C.

The paperwork for moving into a residential care facility for the elderly (RCFE) might seem daunting, but Seniorly is here to make this important step easier. 

Forms Required for Moving Into RCFEs

Most seniors hear the phrase “aging in place” and immediately think about making home modifications and changes. Ultimately, this is so that they can grow old in their own homes. However, continuing care retirement communities (CCRCs) - sometimes known as life plan communities - offer another way for aging adults to enjoy aging in place and provide different senior housing options and levels of care on a single campus.<h2>Why choose a continuing care retirement community?</h2>CCRCs offer an appealing option for independent seniors who want to enjoy an active, community lifestyle while preparing for the future. However, the costs of a CCRC can be a bit complex, with a fee structure that might include entrance fees, a monthly fee, amenity fees and more. Add them all up, and it can be pretty difficult to understand whether you can afford to live in a CCRC.Here’s a closer look at CCRC costs, information on the available contracts, and a look at some tips on how to pay for living in a CCRC.<h2>CCRC costs and details</h2><h3>CCRC entrance fees</h3>One of the biggest CCRC costs is upfront entry fees. This is a one-time entrance fee that may or may not be partially or fully refundable, depending on your contract. Entrance fees vary greatly and can run between $100,000 and up to $2 million. According to the <a href="https://www.aarp.org/caregiving/basics/info-2017/continuing-care-retirement-communities.html" target="_blank" rel="noopener noreferrer">AARP</a>, the average initial payment was just over $400,000 in 2021. The amount you’re paying upfront for entrance fees depends on the location and size of the unit you’ve chosen, and may even include a certain amount of money towards your care in the future.According to <a href="https://acl.gov/ltc/housing/living-in-a-facility/continuing-care-retirement-communities" target="_blank" rel="noopener noreferrer">LongTermCare.gov</a>, your one-time entrance fee may not be refundable. However, some communities are willing to offer full or partial refunds in certain circumstances. For example, if you move or pass away within a certain period after you move in, your entrance fee may be partially or fully refundable. It's important to note that the fee could be held until your spot has been filled.<h3>CCRC monthly rental fees</h3>Along with the upfront entrance fee, you’ll also need to pay monthly fees while you’re living in a CCRC. Monthly fees can vary greatly but usually range between $2,000 and $4,000 per month. Consider these payments as rent! Remember that the monthly fee is affected by the type of housing you’ve chosen, the contract you’ve signed, and the amenities that are available.It’s important to note that monthly fees often go up over time, increasing with inflation. According to<a href="https://www.kiplinger.com/article/retirement/T037-C000-S000-risks-and-rewards-of-moving-to-a-ccrc.html" target="_blank" rel="noopener noreferrer"> Kiplinger</a>, monthly fees generally increase between 4-6% annually while you’re still in the independent living unit of a CCRC. It’s even possible to see higher increases in monthly fees if you’ve moved to skilled nursing or an assisted living wing within your community.<h3>Other CCRC fees to consider</h3>Even though you’ve already paid an entrance fee and you pay a monthly fee, there are still fees you may be asked to pay for services that aren’t included in your CCRC contract. When you’re considering a CCRC, make sure to ask for a clear outline of what is - and what isn't - included in your contract.These may include things like transportation, meal plans, health care, housekeeping, assistance with daily living activities, beautician services, and more. Identify the services that may have additional fees and ask for a printed or emailed copy of the fee schedule for additional fees before you sign a contract and consider how much they’ll cost.Some of the potential miscellaneous continuing care costs you may need to plan for include the following:<ul><li>Pet deposits (if pets are permitted)</li><li>Wellness programs</li><li>Maintenance fees</li><li>Late charges</li><li>Waiting list fees (if applicable)</li><li>Internet and television</li><li>Utilities and phone</li><li>Parking fees</li><li>Storage</li></ul><figure class="image image-style-align-center"><img src="https://seniorly.s3.us-west-1.amazonaws.com/uploads/f64a8c22a0df42f4997f8f5e912d1984/pexels-matthias-zomer-618158.jpg"></figure><h2>Different types of CCRC contracts</h2>When it comes to the cost of living in a continuing care retirement community, the most significant factor affecting your costs is the type of contract you sign. There are three basic types of CCRC contracts, and they come with different risks and benefits. The major differences between the contract types are explained by a trade off between entrance fees and future health care costs.<h3>Fee-for-Service Contracts</h3>The upfront enrollment fee is the lowest with this choice of contract, but there's a trade-off down the line. Should you need the assisted living or skilled nursing services available in your CCRC, you'll have to pay for them at market rates. With this type of contract, you're essentially making a bet on your future health and wellness.Fee-for-service contracts start out as relatively inexpensive initially, but they have the possibility of becoming extremely expensive should you need extensive amounts of health care.<a href="https://www.aarp.org/caregiving/basics/info-2017/continuing-care-retirement-communities.html" target="_blank" rel="noopener noreferrer">According to the AARP</a>, while these contracts come with the lowest enrollment fees, they have the highest risk because skilled nursing and assisted living costs in the future will be paid for at market rates. And with the current and projected labor shortages in the nursing and care sectors, those costs are likely to rise.<h3>Extensive Contracts&nbsp;</h3>These contracts are the most expensive but also provide the greatest peace of mind for you and for your family. Under a Life Care contract, your monthly maintenance fee remains stable no matter what kind of care you need in the future. If you need an in-home caregiver, it's covered.If it comes time to move into assisted living wing or a skilled nursing facility, it's all covered. You have unlimited access to all the health care the CCRC can provide, all for the same fee you paid when you first moved in.Unsurprisingly, a Life Care contract requires the largest buy-in upfront, sometimes rising into the high six figures. If you can afford it, it's a good choice for couples, who may end up developing different medical needs at different times. In addition, it protects your family from rising costs in the future.<h3>Modified Contracts</h3>With modified contracts, you receive specified services (mostly medical services) for a given amount of time. Once you hit that time limit, you still have unlimited access to the services, but you have to pay a higher monthly fee.Typically, the fee you pay is still quite a bit lower than what you might have paid for the same services outside the CCRC. Sometimes a modified contract covers a certain number of days per month of health care — say, 15 days a month of skilled nursing care or assistance with the activities of daily living (grooming, bathing, dressing, etc.). After that, you have to pay the fees yourself.Before committing to this type of contract, it's a good idea to look over your health insurance policy to see understand the potential overlap with the services you'd be paying for.<h2>Considering the life plan community cost at a CCRC</h2>While the idea of a large entrance fee and additional monthly fees may seem overwhelming, there are multiple ways to afford life at a CCRC. If it’s an option that fits your needs, know that you can pay for a CCRC in several ways. Some options include selling your home or using your long-term care insurance if you eventually need to make the move to the assisted living level of care. In some cases,<a href="https://www.medicare.gov/" target="_blank" rel="noopener noreferrer"> Medicare</a> may pay for certain services needed while living in a CCRC.To determine whether it’s an affordable option for you, it’s a good idea to ask the CCRCs you’re considering for audited financial statements and work with your financial advisor to evaluate the costs versus your assets.

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Trying to decide if a CCRC if right for you? The first step is to get educated about how CCRC contracts and fees really work - and luckily Seniorly is here to help.

Understanding Continuing Care Retirement Community (CCRC) Costs

<h2>Exploring independent living communities</h2>If you're considering an independent living community, it's likely you've got more than a question or two. What is independent living going to cost? What happens if I need assisted living sooner than I think I will? What are my options for senior living in general? Or perhaps you just want to be around other active seniors, who share your background and interests, and you want to know if you can afford to make the move.Before you can start assessing the costs of an independent living community, however, you need to narrow down the many options involved in senior housing first. Let's take a deeper look at all things involved in a senior living community.<h2>What are independent living costs and what are my options?</h2>More than any other type of senior care, those looking for independent living have a wide array of options available. The type of personal care assistance or community you choose will have a significant effect on the costs involved.Take a look at the most common types of independent and assisted living costs and the costs involved in each below.<h2>Types of senior living communities for independent older adults</h2><h3>Active adult communities and age-restricted communities</h3>These communities, which typically target baby boomers, combine single-family homes, condos, and apartments. They often feature significant recreational amenities and opportunities for social involvement.On the surface, these communities look like other master-planned communities. That is until you realize they're made up of older adults aged at least 55. The finances involved are also like moving into a master-planned community.Usually, most of the residents purchase their houses or condos in a typical real estate transaction. The only difference is the age restriction. Renters may rent from the community or from individual homeowners. In many cases, there are restrictions on the length of overnight stay for visitors whose age is under the minimum for the community.As with any real estate development that has a homeowner's association, you can expect to pay a monthly membership fee or dues to cover the community costs. This fee might run as low as $300 per month, depending on the community's location and amenities.What does that fee cover? Certainly it will cover all exterior maintenance, including lawn care. It's likely to cover most of the recreational facilities and amenities. More expensive amenities, such as golf courses or tennis courts, may also incur separate charges — this is to avoid charging all residents for pricey amenities that they don't use. In many senior living residences, you can purchase packages with services according to your needs, such as housekeeping services, or a meal plan.Senior apartmentsThere are two basic types of senior apartments: age-restricted apartments and apartments reserved for low-income seniors.Age-restricted apartments are allowed under the <a href="https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_act_overview" target="_blank" rel="noopener noreferrer">Fair Housing Act</a> to restrict rental by age, so only those 55 and up (or in some locations, 62 and up) have access to the apartment complexes. These might consist of a single building on a city block or a retirement community with substantial amenities.These are essentially active adult communities in which everyone is a renter rather than a homeowner. You can expect to pay the going rate for apartments in your neighborhood, meaning the cost varies based on location.Apartments for low-income seniors can include:<ul><li>Section 8 low-income housing, with seniors using Section 8 vouchers to pay part or all of the rent</li><li>Public housing in buildings designated for low-income seniors</li><li>Private apartments that reduce their rates for seniors, often through funding from the<a href="https://www.hud.gov/" target="_blank" rel="noopener noreferrer"> Department of Housing and Urban Development</a></li></ul>Rents in these low-income apartments still vary according to region, but they're strictly limited based on the fair market rents in the area. You may be eligible for public housing if your income is 30 to 80 percent of the median family income for your area. Local public housing agencies can explain more about eligibility and fair market rents for your area. &nbsp;At times, wait lists are closed or very long. It’s important to check regularly on when they will be open and get on these lists as soon as you realize you may need it.Continuing care retirement communities (CCRCs) or life plan communitiesThese communities provide a continuum of senior living care from independent living and memory care to assisted living to skilled nursing facilities. So if you're looking for an independent living community and want to be able to transition to an assisted living community without having to move, this type of senior living is ideal. Adults can stay in their larger community even as their physical needs change.Because Continuing Care Retirement Communities, or Life Plan communities, are so comprehensive, it's no surprise that they're also the most expensive independent living option. Expect to pay a significant entrance fee to join a CCRC — anywhere from $50,000 to close to $1 million.That hefty fee doesn't necessarily limit CCRCs to the very wealthy, however, since most people fund it with the proceeds of the sale of their family home.Monthly charges vary greatly at a CCRC, depending on the answers to several factors:<ul><li>What type of housing are you looking for? Some options include a studio apartment, 1-bedroom, 2-bedroom, and so on.</li><li>How many people are moving into the facility? If spouses are moving in together, fees will be higher.</li><li>What medical needs do you have? How healthy are you? Because CCRCs include medical care, this becomes a factor, unlike other independent living options.</li><li>Do you plan to rent or buy? Some CCRCs allow you to purchase your residence, which may make a difference in your tax situation.</li></ul>Those monthly charges typically rise at a rate of about 4 to 6 percent a year. That can add up over time, so you should crunch the numbers to see if your anticipated income from Social Security, investments, pensions, and annuities will still cover it for 10 or 20 years in the future. In addition, check to see if the CCRC has any caps on the amount monthly fees can increase each year.The other key factor in the cost of a CCRC is the type of contract you sign up for. Three different kinds of contracts exist for CCRCs. The specific facility you're looking at may offer all three or just one.Take a look at our article on <a href="https://www.seniorly.com/resource-center/senior-living-guides/understanding-continuing-care-retirement-community-ccrc-costs" target="_blank" rel="noopener noreferrer">CCRC costs</a> to learn more about the different types of contracts.<h3>Senior co-housing</h3>These communities feature two to four dozen homes centered around a common outdoor area. They also share indoor living space usually in the form of a common house that includes a shared kitchen, dining room, guest rooms, and other facilities in many independent living communities such as media rooms or art rooms.Members of a co-housing community buy their home in the same community, and their share of the common property in a standard real estate transaction that is similar to buying into a condo community.Buyers can expect to save anywhere from $70,000 to about $350,000 compared to a private real estate purchase.<h3>Cruise ship retirement</h3>This exotic option can be pricey, yet some active adults build up loyalty points on a cruise line and use them to defray the cost of traveling and living on a cruise ship. Plan on at least $100 a day (or $3,100 a month).Ultimately, this covers small accommodations, meals, housekeeping, laundry house cleaning, entertainment, and activities that can indeed be lavish.Basic medical care is also available 24/7, and it's reimbursable by Medicare if the ship is within 600 miles of a U.S. port — though seniors with significant medical needs may not be able to get the care they need.You’ll need to plan ahead so that you are booked on back-to-back cruises, or a place to stay between trips. You’ll need to keep up with your passport and vaccinations, as cruise ships have a high rate of infections diseases and potetial for outbreaks like COVID-19.The village movementThis independent living alternative lets active adults age in place in their own homes while joining a membership-based "village" that provides discounted services including home health care, home maintenance, and meal delivery.Members typically pay about $300 to $600 per year to belong to the village.<h2>Membership fees for independent living communities</h2>As with many communities and any real estate development that has a homeowner's association, you can expect monthly costs to shift. This said, be sure to anticipate a monthly membership fee or dues to cover the costs of certain types of programming at independent living communities.This monthly fee might run as low as $300 on a month-to-month basis depending on the community's geographic location, amenities medical assistance, dining services and amenities, and more.<h3>What does the fee cover?</h3>Typically, it will cover all exterior maintenance, including landscaping. It's likely to cover most of the recreational facilities and amenities. More expensive offerings, such as golf courses or tennis courts, may also incur separate charges. This is to avoid charging all residents for costly amenities on their monthly bills that they don't use.<h3>How location affects membership fees</h3>The combination of mortgage (or rent) and membership fees can vary dramatically depending on location, with average rent ranging from as low as about $1,500 a month to over $6,000 a month. In terms of a median monthly cost, expect to pay higher prices if you're looking for a community in Connecticut, Maryland, Massachusetts, New Hampshire, or New York, where senior living costs tend to be higher overall.If you're counting pennies, head to Illinois, Louisiana, Minnesota, South Dakota, or Utah, where you can find active adult communities in the $1,500-$1,800 range.<h2>How to pay for independent living communities: resources to help</h2>Generally, you should expect to pay for the costs of independent living out of your own pocket, just as if you were in a residence that's not in an independent living community. &nbsp;However, there are some services that you may be eligible for that help you with support services provided in the home.&nbsp;If you should need in-home or medical services or care, a long-term care insurance policy could help pay those costs.<h3>Veterans care services</h3>Veterans can receive some assistance from the U.S. Department of Veterans Affairs with&nbsp;<a href="https://www.va.gov/homeless/housing.asp">vouchers&nbsp;</a>for housing or&nbsp;<a href="https://www.va.gov/geriatrics/pages/Homemaker_and_Home_Health_Aide_Care.asp">home health services</a>. If you or your loved one are eligible for low-income housing, you may be able to receive some governmental help.<h3>Life insurance policies</h3>Many seniors are able to transform their life insurance policies into cash through a life settlement agreement. While this financing method provides money when you need it, all the proceeds of the life insurance will go to the company, rather than to your original beneficiaries.<h3>Inheriting property</h3>Sometimes family members contribute toward the purchase of a home in an independent living community by supplying the down payment for the purchase, and/or paying the mortgage, while the senior living in the community pays for the monthly fees and other expenses.The family members can then inherit the property easily, since their name is on the deed, and are able to treat it as an investment.<figure class="image image-style-align-center"><img src="https://seniorly.s3.us-west-1.amazonaws.com/uploads/0b3b524c888f0bedb26f0d75b641ff04/pexels-cottonbro-studio-5934643.jpg"></figure><h2>Independent living made simple</h2>Understanding the cost of independent living is a crucial first step in the discovery and decision process. By taking the time to explore the costs and expenses associated with independent, you're sure to make an informed decision.All in all, independent living costs go beyond just rent and utilities. It's essential to consider factors like transportation, healthcare, groceries, and personal care services when calculating the overall expenses.Of course, there are both benefits and drawbacks to the different kinds of independent living arrangements. Each option comes with its own set of costs and amenities, so it's essential to find an appropriate balance. Creating a budget and exploring financial assistance can help alleviate the financial burden of an independent living cost.By approaching the topic with open communication, research, and a realistic understanding of the expenses involved in senior independent living, you can make smart decisions that support your loved one's desire for independent living. With the right approach, you can help them find a safe, nurturing environment that allows them to thrive.

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Learn about the cost of independent living. Seniorly can help you understand the costs and make informed decisions on how to pay for independent living.

Understanding the Cost of Independent Living

What is healthy aging?At Seniorly, we believe it begins with your home, whether it’s your own house or apartment, or whether it’s a senior living community. We are committed to helping our aging citizens find a home to love. We have years of experience doing this for countless families. However, it all began when I was literally born into the third generation of the senior living profession.My grandfather started communities in the San Francisco Bay Area. He passed it on to my father, who passed it on to me. While in graduate school at Berkeley-Haas, I started to think about how to innovate the senior living experience. What could be done to change the fear of “nursing homes” into a respect for and even excitement about the new generation of senior living communities? How can I play a role in reframing the idea of aging? That was the beginning of Seniorly.This book is part of a commitment I have made to share what I have learned about healthy aging. Though there are many facets to aging, this book is focused primarily on loving where you live. Each chapter is intended to empower families with the wealth of information they will need to ensure they have the best experience whether seeking in-home care or a move to a senior living community. Here is a fact we know: Americans are living longer, which means the U.S. population of individuals over the age of 65 is exploding. In fact, it’s projected that the senior population will reach 98 million by 2060, and government data show that around 70% of aging adults will require long-term care at some point, whether at home or in a chosen community.<a href="https://online.fliphtml5.com/adwsj/aupw/#p=1">&nbsp;View and download our 25 chapter Healthy Aging eBook</a>About Seniorly3.5 million families trust and use Seniorly every year. Our platform includes a network of thousands of senior living communities and hundreds of agents across the US. We work hard to make sure you find the right senior living and care options.&nbsp;About Seniorly's Healthy Aging HandbookOur handbook was written in collaboration by Arthur Bretschneider, Andrew Barrett, and Joy Burgess. A special thanks to Susan Golden, Tasha Kelter, Marlena del Hierro, Emma Rodbro, and the entire team at Seniorly.

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Take some of the anxiety out of aging. Seniorly's Arthur Bretschneider draws on his industry experience to bring you this downloadable Healthy Aging Handbook.

The Healthy Aging Handbook Your PDF Guide

Seniorly Editor

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