Planning Your
Transition
Deciding which
AGING IN PLACE
will work for you
Options for
COMMUNITY AGING
and the major differences between them
Options for
PAYING FOR CARE
and some pros and cons of each
Navigating Senior Living Transitions with Ease
A Comprehensive Guide
By Rachel Vinson
Introduction
With the natural progression of life, our independence and needs inevitably change. It can happen gradually over time, or there can be sudden changes, which can often leave you and your loved ones scrambling to find solutions. Your housing & healthcare needs are as unique as you are, and that's exactly why we're committed to helping you and your loved ones prepare for these changes ahead of time. We will discuss in detail many aspects of the process, from evaluating independence, home safety, home maintinance, access, planning your transition, paying for care, exploring senior living alternatives within Cleveland, Ohio, and the Greater Cleveland Metropolitan Area, such as downsizing, multigenerational living, accessory dwelling units (ADUs), retirement & independent living communities, niche communities, assisted living facilities, nursing homes, continuing care communities, and home care options. We're also exploring the importance of estate planning, a critical step to protecting your assets.
Home Safety and Independence
Independence is important to every one of us, but holding on to too much of it for too long can cause us to lose independence due to fall or injury. According to AARP, 90% of Americans indicated that they prefer to age in place (at home.) However, data indicates that 85% have taken no steps to reduce the risk of falls and other safety hazards. “The U.S. Centers for Disease Control and Prevention puts these staggering statistics in a context that really brings the problem home: one out of every three seniors falls each year; every 11 seconds, an older adult is treated in an emergency room for a fall; every 19 minutes, an older adult dies from a fall,” according to Age Safe America. These disturbing numbers do not account for unreported falls. “Falls account for 25% of all hospital admissions and 40% of all nursing home admissions. 40% of those admitted will never return to independent living”
These staggering statistics reveal a neglect in mitigating fall risks within the home. This is why, as a real estate & healthcare professional, I have dedicated myself to raising awareness in home safety by promoting education and prevention, and providing resources to the Cleveland community.
Knowing Your Options
From evaluating your current home for safety to considering a move to a community designed for seniors, each choice has its unique benefits. Plus, understanding your options can significantly reduce stress for everyone involved. Knowing your care options and how to finance them puts you in control. We'll unpack each option available, so you can make informed choices that suit your needs and budget. It is extremely common for individuals and families to utilize multiple options.
Decluttering for Safety and Comfort:
Creating a clutter-free space can significantly enhance safety, improve functionality, and promote overall health, marking a critical step in home transitioning, whether it involves downsizing, moving, or home modification for safer living.
Aging-in-Place Options
Downsizing: A Path to Financial Freedom and Safety:
Downsizing serves multiple benefits, from unlocking equity to contribute towards care costs, reducing living expenses, and simplifying home maintenance. It ensures a safer, stress-free living environment, facilitating a transition to more manageable residences that promise better quality of life and emotional welfare. The process involves transitioning to a smaller and more manageable living space, often to enhance quality of life and address changing needs. The process typically begins with an honest conversation about the necessity of downsizing, considering factors like mobility, maintenance, and finances. Creating a comprehensive downsizing plan is essential, including steps such as decluttering, sorting belongings, and determining what items to keep, donate, or discard. Starting the process early, ideally at least three months in advance, allows for ample time to sort through possessions and make informed decisions. Throughout the downsizing journey, it's crucial to prioritize emotional well-being and seek support from family, friends, or professional organizers. Ultimately, downsizing offers numerous benefits, including financial freedom via unlocked equity, reduced expenses, simplified maintenance, improved mobility, enhanced safety, and emotional relief, paving the way for a more comfortable and fulfilling lifestyle in your senior years.
Downsizing can offer a fresh start and a sense of liberation from the burdens of excessive possessions or a large home, promoting emotional well-being. -Downsizing can release equity from a larger home, providing funds to cover care expenses -Smaller homes typically entail lower utility bills, property taxes, and maintenance costs, freeing up more resources for care -Downsizing eliminates the need for extensive property upkeep, reducing stress and time spent on maintenance tasks -Moving to a smaller, more manageable space can improve safety by minimizing hazards and obstacles, reducing the risk of accidents -
Tiny Homes
Usually smaller than 900sqft, tiny homes offer optimized, functional living spaces, reflecting a growing trend towards downscaled, independent living. Can be stand- alone, placed on a foundation, or mobile, Can be a great option for many reasons. The small space can be customized and optimized for maximum functionality and minimal work. Approval Process in Ohio Lakewood Tiny Homes Detroit Shoreway- Failure
Many different types including shed houses, pop-up houses, shipping container homes, cabins, rv's, trailer home, pods, houseboats,
Embracing Accessory Dwelling Units for Close-knit Living:
.Accessory Dwelling Units (ADU’S): AKA Granny Flats, are Tiny Homes built as a secondary residence on the property of a primary residence, and can be detached such as a trailer home or tiny home, or attached such as a garage modification or additon. They present a viable option for seniors desiring proximity to family while maintaining independence, privacy, and autonomy in a separate living space while receiving assistance from family members if needed, and Utilizing existing space on the property can be more affordable than moving to assisted living facilities. ADUs on the same property provide a sense of security for seniors while allowing family members to assist in case of emergencies. These tiny homes can be customized with accessibility features like grab bars, wider doorways, and ramps to accommodate seniors with mobility issues. Implementing smart home technologies catered to caregivers and their loved ones is also an excellent way to give added security and quality of life.
Multigenerational Living and Home Care Options:
Multigenerational living, where multiple generations of a family reside together, is gaining popularity as a housing solution. This arrangement allows seniors to age in place, offering benefits such as emotional support, cost savings, and enhanced care. With the desire to remain in their own homes and communities, seniors find comfort and companionship in multigenerational households, contributing to their overall well-being.
Home Modification:
Can include small modifications such as installing grab bars, ramps, non skid strips, to larger renovations youd like to remain in your home, but youre having difficulties with accessibility and mobility, home modification may be an option for you. You can even incorperate universal design into your renovation. https://www.pbs.org/hometime/house/udesign.htm
Universal Design: Ensuring Accessibility for All:
Universal Design: AKA barrier-free design, inclusive design, design for all, or life-span design, Adopting a universal design or barrier-free living can significantly enhance life quality and independence. It transcends mere accessible design, promoting inclusivity and use by individuals of all abilities. According to the Center for Inclusive Design and Environmental Access (IDEA,) as defined by Stanfield and Maisel, 2012, "Universal design is a design process that enables and empowers a diverse population by improving human performance, health and wellness, and social participation." Utilization of specially designed modifications or custom built homes which can include high ceilings, height adjustable counters, accessible appliances, wheelchair access to all parts of the house, including barrier free baths, seamless wide doorways and halls, and safety and ease-of-use features throughout. A wide variety of other personalized customization options are available. These designs truly promote maximum life quality and independence!
Bonus! There is not much, if any difference in the cost of standard home builds, or modifications. You may even end up saving money in the long run! Universal design differs from accessible design in that accessible design is made for people with disabilities, and universal design is made for people of all abilities, allowing all spaces to be used together. Accessible design prevents discrimination, Universal design promotes inclusion.
Visit the following sources to learn more:
https://idea.ap.buffalo.edu/ https://www.wbdg.org/design-objectives/accessible/beyond-accessibility-universal-design
Smart Home Technology:: Smart home technologies can greatly enhance the quality of life for seniors living independently by providing convenience, safety, and peace of mind. Here are some of the most helpful and integratable smart home technologies and devices:
Smart Lighting: Automated lighting systems that can be controlled remotely via smartphone or voice command help seniors adjust lighting according to their needs, enhancing visibility and safety [1].
Smart Thermostats: These devices allow seniors to control the temperature of their home remotely, ensuring comfort and energy efficiency [2].
Smart Security Cameras: Video surveillance systems with motion detection and live streaming capabilities provide seniors with peace of mind and enable remote monitoring of their home [3].
Smart Door Locks: Keyless entry systems allow seniors to lock and unlock doors remotely, grant access to caregivers or family members, and receive notifications of door activity [4].
Medical Alert Systems: These devices provide seniors with access to emergency assistance at the touch of a button, offering peace of mind for both seniors and their loved ones [5].
Smart Home Assistants: Voice-activated assistants like Amazon Echo or Google Home can help seniors with tasks such as setting reminders, making calls, and controlling other smart home devices [6].
Fall Detection Systems: These systems use sensors to detect falls and automatically alert caregivers or emergency services, ensuring prompt assistance in case of accidents [7].
Integrating these smart home technologies can create a comprehensive and personalized system tailored to the specific needs of seniors, promoting independence, safety, and overall well-being.
Integrating smart home technologies with voice command devices and caregiver notifications can significantly enhance the independence and safety of seniors. Here's how each category of smart devices can be utilized and integrated:
Smart Pill Dispensers: These devices help seniors manage their medication schedules by dispensing pills at the right times and sending reminders to take medications. Many smart pill dispensers can be integrated with voice command devices like Alexa, allowing seniors to request medication reminders verbally. Caregivers can also receive notifications if a dose is missed, ensuring timely intervention [1].
Smart Cleaning Systems: Smart vacuum cleaners and mops automate cleaning tasks, reducing the physical strain on seniors. Some models can be controlled via voice command devices, enabling seniors to initiate cleaning sessions using voice commands. Caregivers can also receive notifications when cleaning tasks are completed or if there are any issues with the cleaning system [2].
Smart Refrigerators: These refrigerators feature inventory tracking, expiration date monitoring, and meal planning capabilities, assisting seniors in maintaining a healthy diet and minimizing food waste. Some smart refrigerators can integrate with voice command devices to check inventory or add items to shopping lists verbally. Caregivers can receive notifications about low food supplies or expired items, enabling them to assist with grocery shopping and meal planning remotely [3].
By integrating these smart devices with voice command technology and caregiver notifications, seniors can enjoy greater independence while caregivers can provide support and assistance remotely. This combination enhances safety, promotes healthy living, and provides peace of mind for both seniors and their caregivers.
home care services
cater to varying levels of care needs, from occasional assistance to round-the-clock nursing care, aligning with the personalized requirements of Cleveland, Ohio seniors.
Adult Daycare:
Free and paid programs available. May be covered by insurance. Contact The Area Agency on Aging for program and voucher information
Family Caregivers:
can benefit everyone because in many cases, family caregivers are able to be compensated, if certain criteria, such as certification as a home health aid, stna, or nurse, are met. This payment can come from several sources whether they be registered as a private care provider, or work through a home health agency. Examples of some payor sources include:
Medicaid Programs: Some Medicaid programs offer financial support to family caregivers. These programs vary by state and may include Cash and Counseling programs, where funds are allocated directly to the caregiver to cover caregiving expenses.
Veterans Aid and Attendance Benefit: Eligible veterans and their spouses may qualify for the Aid and Attendance benefit, which provides financial assistance to cover the costs of long-term care, including payments to family caregivers.
Long-Term Care Insurance: Some long-term care insurance policies cover payments to family caregivers. Policyholders should review their insurance policies to determine if this benefit is included.
State Programs and Waivers: Certain states offer programs and waivers that provide financial assistance to family caregivers. These programs may have specific eligibility criteria and coverage options.
Private Agreements: Families can establish private agreements where the care recipient compensates the family caregiver directly for their services. It's essential to formalize these agreements in writing to avoid misunderstandings and legal issues.
Family Caregiver Contracts: Creating a formal caregiver contract outlines the responsibilities, compensation, and terms of the caregiving arrangement. These contracts provide clarity and protection for both the caregiver and care recipient
Homecare related to Dementia or other cognitive impairment:
A person with diagnosable dementia should never be left alone, anywhere, for any period of time. Safety concerns: Dementia can impair judgment and decision-making abilities, leading to an increased risk of accidents, falls, or wandering, and may may experience fluctuations in cognitive abilities, leading to moments of confusion, disorientation, or impaired judgment. Increased vulnerability: Individuals with dementia may struggle to recognize potential dangers or respond appropriately to emergencies, putting them at risk of harm. Confusion and disorientation: Dementia can cause confusion, disorientation, and memory loss, making it challenging for individuals to navigate their environment or communicate their needs effectively. Despite appearing lucid at times, dementia patients may still be at risk of accidents or injuries if they become confused or disoriented, especially when navigating unfamiliar environments. Dementia can cause individuals to wander aimlessly, putting them at risk of getting lost, encountering dangerous situations, or becoming disoriented. Emotional well-being: Social isolation and loneliness can exacerbate cognitive decline and behavioral symptoms in individuals with dementia, highlighting the importance of companionship and supervision. Medication management: Dementia patients may struggle with medication adherence, forgetting doses or taking the wrong medication, which can have serious health consequences if not supervised. Risk of neglect: Leaving a person with dementia alone can lead to neglect of basic needs such as hydration, nutrition, and personal hygiene
The new proposal through Medicaid aims to provide training for family members who are caring for dementia patients. This proposal recognizes the critical role that informal caregivers play in supporting individuals with dementia and acknowledges the need for formalized training to enhance their caregiving skills. Medicaid's proposal covers both individual and group training sessions, marking a significant shift in policy to support informal caregivers, also known as family caregivers. The training programs are designed to equip caregivers with the necessary knowledge and skills to provide high-quality care for dementia patients. This initiative aims to alleviate some of the challenges faced by family caregivers and improve the overall quality of care provided to individuals with dementia. The proposal, known as the Medicare proposal for covering training for family caregivers, has been introduced as part of the federal government's initiatives to support informal caregivers, particularly those caring for individuals with dementia. While it has been proposed, it may not have been approved or implemented yet. The proposal suggests having Medicare reimburse professionals for training family caregivers in essential tasks like bathing and medication management. As of now, there may not be specific information available regarding its approval or implementation timeline. However, it represents a significant step towards recognizing and supporting the critical role of family caregivers in the healthcare system.
Navigating the Journey to Assisted Living
In exploring the spectrum from independent to assisted living and nursing homes, it’s crucial to understand each option's nuances, including the level of care, services offered, and qualifications for residency. The complexities of paying for assisted living in Cleveland, Ohio, are demystified, presenting Medicaid vouchers and other financial avenues as solutions for care financing.
Options for Community Living:
Independent Living/ Retirement Communities: These communities provide a low-maintinance lifestyle with no need for home or lawn maintinance and easy access to shopping, restaurants and a variety of other ammenities including lawn and maintenance services. Click here for more information about some amazing Northeast Ohio Niche communities https://sites.google.com/century21deanna.com/rachel-vinson/senior-real-estate-specialist/niche-communities
In this section we will address some FAQ’s about Assisted Living and Nursing Home Facilities, such as
whats the difference between Assisted living and a nursing home?
Do I qualify for Assisted Living?
In Ohio, assisted living facilities cater to individuals needing assistance with daily living tasks but not extensive medical care, while nursing homes provide comprehensive medical care and supervision for individuals with more complex health needs.
Assisted Living:
LEVEL 1: Similar to independent living. referrs to independent residence who need mininal ADL assistance, but may be slowing down. provides housing, meals, janitorial services, community activities, social needs etc. usually has in house Some facilities will allow for an acute increase in level of medical care, such as someone who may have a wound that needs treatment. However, there will usually be an add on charge, or the resident/family/facility must arrange for an outside company to visit
LEVEL 2: residents may need help with some things, such as adls, medication administration.
Assisted Living:
1. Services: Typically provide assistance with activities of daily living (ADLs) like bathing, dressing, and medication management
2. Healthcare Needs: Generally suited for individuals who require minimal medical assistance but need help with daily tasks.
3. Levels of Care: Offer various levels of care, which may include independent living, assisted living, memory care, and skilled nursing care.
4. Qualifications: Residents must be able to perform basic ADLs independently.
Paying for Assisted Living (AL):
The average cost in ohio around $4500/mo Medicaid - In ohio medicaid vouchers will pay for assisted living for qualifying individuals; if on a fixed income,(SSI,SSD) resident receives $50 of monthly income, minus any additional expenses incurred during the payment period. Click here for a list of AL facilities in the Greater Cleveland area who accept medicaid vouchers https://www.areaagingsolutions.org/programs-services/assisted-living/medicaid-waiver-facilities/
Nursing Homes:
Nursing Homes
: 1. Services: Provide skilled care, therapy, round-the-clock medical care and assistance with daily activities for individuals with complex medical needs
2. Healthcare Needs: Suitable for those with severe medical conditions or disabilities requiring constant supervision and skilled nursing care.
3. Levels of Care: Typically offer fewer levels of care compared to assisted living facilities, focusing primarily on skilled nursing care.
4. Qualifications: Residents may require a higher level of medical assistance and supervision compared to those in assisted living facilities.
Continuing Care Communities:
AKA Continuing Care Retirement Communities (CCRC) provide a variety of housing and care options from independent living, to assisted living, memory care, and skilled nursing care, allowing for a seamless transition when and if your needs change as you age.
Tax Deductions
Medicare premiums and medical care costs are tax-deductible as long as they exceed 7.5% of your federal adjusted gross income. Additionally, certain insurance premiums, such as health insurance premiums and long-term care insurance premiums, may also be deductible Nursing home expenses typically qualify, with potential eligibility for assisted living costs. Some medically eligible expenses for Assisted Living may qualify. (According to IRS qualifications) Visit https://tax.ohio.gov/help-center/faqs/income-medical-and-health-care-expenses/ for more information
Paying For Care
There are many options available to pay for long term care. We have put together a chart of many of these methods, including a description, some advantages, and some disadvantages of each. Enter your email below to download the pdf.
Medicaid Considerations
Enter your email to download the Ohio Medicaid Recovery pdf from the Ohio Department of Medicaid
Protecting Your Assets
& the importance of estate planning
Estate planning might seem overwhelming, but it's a vital part of ensuring your wishes are honored by protecting your assets and family. Please note that making changes to one financial factor may affect eligibility for other programs and services. Always communicate with your financial advisor and estate planning attorney. There are many tools that may help to protect your family and assets from estate recovery, and other liens on your estate.
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At Pristine Transitions, we believe that
Health & Home Go Hand-in-Hand
That is why our mission is to bridge the gap between health and home by providing client centered concierge tailored solutions
About Pristine Transitions LLC
Combining the streamline process of larger senior transition companies, with the personal touch and care of a local nurse, and expertise of a REALTOR and Seniors Real Estate Specialist, no other company takes client needs into consideration the way Pristine Transitions has. We understand the financial, physical, & emotional challenges that life transitions bring. We've got the skills and resources to help you create a positive and seamless experience, and we create a custom plan based on your wants, needs, and goals. Whether it’s deciding on the perfect living arrangement or figuring out finances, planning your transition wisely, with thoughtful consideration for every aspect of your future living arrangement, ensures a seamless shift to a safer, more fulfilling lifestyle. By addressing and educating yourself on these aspects of the aging and transition process, seniors can make informed decisions about their future living arrangements, ensuring comfort, safety, and financial stability.
Facing these challenges head-on isnt easy, but means you're prepared for whatever comes your way.
Here's where my expertise comes into play. As a Seniors Real Estate Specialist, REALTOR®, Nurse, and Owner/Operator of Pristine Transitions LLC, my credentials far exceed that of a Certified Senior Transition Specialist. I offer specialized transition consultation and planning, cleaning, decluttering, organizing, cleanout, staging, home safety setup, help with downsizing, buying and selling homes. Not to mention the personal relationships and partnerships that I have developed working the floor in local assisted living and nursing home facilities as an independent agency nurse, and with local professionals, service providers, contractors, and senior specialists. My site offers tours, reviews, contacts, and so much more! Remember, I'm here to offer my expertise and services, tailored to your unique situation. Planning your transition early can make all the difference. So, take action now to secure a happier, healthier future.
Trust in our expertise at Pristine Transitions LLC, where we are dedicated to navigating these changes with you.
Equipped with the right knowledge and support, navigating these changes can be smooth and stress-free, So, don't go through this transition phase alone. Take the first step towards a well-prepared future; reach out to us, and let’s craft a plan that aligns with your aspirations for a vibrant, secure senior living experience.
Community Resources in Cleveland, Ohio:
Cleveland boasts a wealth of resources tailored to seniors, including home modification programs, caregiver support, and specialized services for those opting for community living. Leveraging these resources can significantly enhance the transition experience.
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