Retirement Cost Calculator
This retirement cost calculator from Senioropolis.com helps you determine the true price of moving to a retirement community. Use this cost-comparison form to determine how much you can afford:
Senior Home Care Checklist
- Business license for Agency
- Caregivers are Independent Workers
- Professional Liability Insurance
- Bond Insurance (this is sometimes referred to as “theft” insurance)
- Active Management of the Caregiver through a direct Supervisor or Manager
- Plan of Care
- Criminal checklist performed on all Self-employed Workers
- Training for Caregivers
- Satisfactory Caregiver list Survey Results
These Checklist requirements are especially valuable when seniors are being cared for in their own home, and no family members live close enough to monitor the care. By having these standards in place, if the Caregiver suffers an accident while working in the senior’s home, their injuries and care is covered by Worker’s Compensation Insurance.
Active supervision of Caregivers allows the agency to professionally work through any performance issues. A 24-hour On-Call service allows for last-minute schedule changes and back-up Caregivers to be scheduled, when necessary. Training programs provide Caregivers with guidelines to follow for performing quality care duties.
It is important to remember that “Independent Contractors” are under the umbrella of NACC/PSW and CCS. All are Certified Caregivers/Personal Support Workers and are members of the NACC/PSW. They have 1000 hours of training, compared to 600 in colleges. The Association offers additional training and specialization for the CPSWs, such as Restorative Care, Physical Therapy Assistant, Occupational Therapist Assistant, and Activation Therapist Assistant.
These are considered “skilled” care services. Senior Home Care is referred to as “non-medical” because it is providing “community services”.
CCS home care providers work towards helping Senior Clients to age-in-place.
The National Association of Certified Caregiver/Personal Support Workers is a non-profit association of front line caregivers/personal support workers providing care in nursing homes, retirement homes, and living at client’s homes.
How to Choose a Senior Home Care Agency
Many times the search for the right care must be performed quickly because of an emergency medical condition. Other times people are able to plan ahead and research the various provider companies. Regardless of your timeline, this is a decision which impacts everyone involved emotionally, as well as financially.
First consider the actual care requirements and write out a list of items that need to be provided. Be able to give an example of a typical day for the care recipient, from the moment they wake up until they go to bed, and include a timeline of when they prefer meals, naps, and other activities.
How much hands-on care is needed vs. companion care? If more companion care is needed, make a list of possible activities.
Do you need a Caregiver who can escort the client to doctor's appointments and social activities? If so, what mode of transportation will they use? Will the Caregiver drive the client in the client's car? Keep in mind that you may need to research your car insurance coverage if this is the case.Be aware that it will be difficult to be 100% sure that the Caregiver's insurance policy is up-to-date, even if you verify this in the beginning. If they have a late or missed payment, the policy could be cancelled without your knowledge. Will they take public transportation (bus or taxi cab)? This is probably the safest method of transportation to prevent the risk of insurance issues.
Is there memory loss? If so, have you had the type of Memory Loss diagnosed (Alzheimer's Disease, Huntington’s Disease, Pick’s Disease, Frontal Lobe Dementia, Frontotemporal Dementia, Lewy Body Disease, Normal Pressure Hydrocephalus, Vascular Dementia, Parkinson’s Disease)? Blood clots and brain tumors may also cause dementia. A diagnosis of dementia type will help CCS agency to better understand the care needs and assign a Caregiver with the right type of training and qualifications.
Do you need a Caregiver who speaks a certain language?
How many hours of care per day will you require? Review the list of services you will need performed during the care visit, and decide on the minimum number of hours per day which would work as a starting point. The agency will need to know the hours of service to assign a Caregiver, and will allow you to adjust the hours after the first week to accurately meet the care needs.
Are there any special cooking requirements? Communicate any food allergies or specific cooking requests, and consider how groceries will be purchased or delivered if the care recipient is unable to shop for groceries on their own.
7. Additional Skills
Are there any "skilled" care requirements, such as taking blood pressure, blood sugar testing, wound care or a feeding tube? Communicate if these specialized services will need to be performed or monitored.
8. Medication Management
What is the care recipients’ method for managing medications? Do you know for sure if the medications are currently being taken correctly? Be able to provide a list of medications, and the method of monitoring so the Agency will be aware of possible side effects and other requirements, such as taking pills with or without food, etc.
9. Care Management
Will Care Management be required? As Caregivers are responsible for providing the “hands-on” care, they do not have time to manage the overall care issues. A trained Care Manager can supervise all of the care needs, from organizing medications in a pillbox and obtaining refills. Due to insurance purposes, this service usually must be provided by a Supervisor or RN. All clients are able to take their own medication and have one of our CPSWs supervise and sign off that they have witnessed the client taking the medications. A social worker will work with family members and take on responsibilities which the clients are unable to perform, and provide professional expertise in guiding the long-term care decisions.
1. Memory Loss
Will the senior need to relocate if they experience memory loss? Some communities do not have locked access floors to prevent wandering, along with specialized staff to provide for seniors with Alzheimer’s Disease and other types of advanced memory loss.
2. Nursing Care
Will the senior need to relocate if they need advanced nursing care? Some Assisted Living Communities offer nursing care in their communities, others do not.
3. Additional Costs
Which services are included in the monthly rental fee and which services will incur an additional cost? Think ahead about services which the senior may not need now but may need later, such as special dietary needs, medication management and assistance with mobility if a wheelchair becomes necessary.
4. Social Environment
Will the senior feel comfortable and find other “like-minds” to easily build new friendships? Are there activities which will be of interest to them and easy access to off-site activities they previously were involved in?
5. Financial Planning
If the Assisted Living Community offers a nursing centre, will they allow the senior to continue as a client if they should run out of money? While no one plans on running out of money, even seniors with a million dollars or more in assets can run out of money when paying for full-time nursing care which can easily be $100,000.00 per year. Find out costs, assets and liabilities.
Gail Acton is a Senior Living Expert and owns some Independent Living Homes. She will evaluate your needs, discuss the available options in your area, and escort the senior on tours of the communities to allow them to make an educated decision. Helping you to understand all the dynamics of finding just the right fit for elder care, she can make the process easier for everyone involved. It is important for you to talk with other residents and go behind closed doors for the insider’s viewpoint.
The search for senior care can be overwhelming, time consuming and stressful. Evaluating senior living options is not a simple process, and it is easy to become frustrated and confused by all the different amenities, services, and pricing options.
Senior Living Experts reduce your anxiety by providing you with your best senior care choices.
Senior Living Experts personalized service evaluates your care needs, budget and geographical preference. We do the legwork for you! We can match you with a few select senior living communities that match your needs.
It is my passion to advocate for the families and help you find the best solution for your unique situation in addition to saving you time.
Independent living is usually an apartment building with services for seniors. The idea is to allow older adults to maintain their independence. Some meals, weekly housekeeping, and utilities usually are included in the rent. In addition, most independent living communities offer a full array of daily social, recreational, and educational events ,designed to enrich life, both in and out of the building, for no additional charge.
Amenities and services are usually very important when searching for independent senior living. Seniors are looking for a worry free lifestyle, and that is what independent living is designed to achieve.
There usually are some safeguards built into the apartments, such as pull cords and accessible bathrooms. If one moves into an independent living apartment and more care is needed, usually the property has a partnership with a company that can provide care a la carte, such as help with escorts and medication reminders.
Each community has different age range requirements, but as a general rule, most of them are minimum age of 62-65 and up.
CPSWs private duty care may also be hired out come and go as needed. Most independent living communities have parking for resident cars. Pricing is determined by location as well as the size of the apartment. In the Grey Bruce area it is difficult to find one and two bedroom apartments located in a desirable area for seniors. Currently the monthly rental fees can range from $1000 - $5000.
Independent living is most often paid for via private funds. Some senior housing communities are subsidized.