Positive Aging Sourcebook/Maryland-District of Columbia-Virginia: 2024

Live Stronger. Live Better.

WHAT DOES IT MEAN TO BE TRULY WELL?

As we get older, it becomes increasingly important to stay social and active—both mentally and physically. We invite you to experience boutique assisted living with personalized care and a comprehensive focus on overall health and well-being.

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An Extended Family

Family is frequently made up of both people you are related to and people you choose to relate with. The latter is certainly the case with the leadership, staff, and residents at Kensington Senior Living Communities. With eight senior living communities, including four in the Washington, DC Metropolitan region, Kensington delivers high-quality independent living, assisted living, and memory care options based on one simple—yet

promises to love and care for your family as they do their own.

FEATURE STORY

PAGES 36-37

The Force of Friendship

Vicky Diamond was lonely. Betty Jane (“BJ”) Rafferty just wanted to go home. When they met each other, everything changed. Both Vicky and BJ are residents of Modena Reserve at Kensington, a senior living community in Kensington, MD, managed by Solera Senior Living. Making a new friend made the transition to senior living much easier.

In Service

FEATURE STORY

PAGE 38

Life-long philanthropists, Marie Mercer and Gillian Sescoe are two of the many engaged residents at Hunters Woods at Trails Edge, a full-service senior living community in Reston, VA, managed by Solera Senior Living. Hunters Woods is a natural draw for accomplished residents who have traveled widely and given generously. Now, they are giving and getting in retirement.

The Path to Purpose

As an avid cyclist, I can tell you that the best paths are windy and uneven—and exciting. The same holds true in our path through life. The journey is filled with twists, turns, and obstacles; it is never static.

Especially as we navigate the complexities of changing health and shifts in personal circumstances, it becomes essential to reassess and reinvent ourselves to ensure that our path leads to purpose. Purpose may change, but it never expires.

During one-on-one chats with Positive Aging Community members and throughout our live community discussions, I am frequently talking about how to live with purpose. But it’s really not that hard. It might even be as easy as riding a bike.

Recently, I was moderating an event on Parkinson’s and Movement Disorders. Several individuals who were living with Parkinson’s shared their personal stories. Since diagnosis, they have all joined a caring community of like-minded individuals. They are eating

better, exercising more, and enjoying activities like dancing, rock climbing, and boxing that they would have never been brave enough to try before. They are seeking—and finding—purpose.

Similarly, our cover story this issue touches on residents who are finding purpose in their families— both biological and chosen. “An Extended Family” (p. 28) follows residents of Kensington Senior Living Communities as they navigate the challenges of aging with a little help from their community.

Positive Aging Sourcebook and our live and interactive discussions often emphasize the importance of community and connection. Local organizations, support groups, and social networks play a crucial role in fostering a sense of belonging and purpose. These connections not only provide emotional support, but they also open doors to new experiences and perspectives—to a new sense of purpose.

We invite you to join our Positive Aging Community (see page 6). We are here to support you, your loved ones, and clients—as we all strive to stay on the path to purpose.

STEVE GURNEY steve@proaging.com

Welcome to the Positive Aging Community!

| Who is part of the Positive Aging Community?

The community includes:

• older adults planning for their own future,

• family members helping their loved ones,

• a wide variety of professionals and volunteers who support older adults

• Positive Aging Community Champions .

One of the most important groups are the Positive Aging Community Champions (see page 205-208). The support of these individuals and organizations make the majority of our resources available to you at no charge!

| What are the resources available?

You are holding the hallmark of our resources. Sourcebook has been published for more than 34 years and has evolved thanks to feedback from our community.

| Want to Join the Community?

There are many ways to connect with our community:

• Print - Sourcebook

• Email Newsletter

• Website/Digital Editions: positiveagingsourcebook.com

• Live and Interactive Online Discussions

• Podcasts and On-Demand Recordings

• Live Events

• Call 1-800-394-9990

• Email: steve@proaging.com

• Career Center

Older Adults and Families: Join for free at proaging.com/join or call 1-800-394-9990 .

Professionals and Organizations: Join for free, or become a Champion and spotlight your organization. Call 703-966-6182 .

(see pages 205-208)

Many forward-thinking senior living providers are acknowledging the diversity of their staff and clients and working to make sure everyone is cared for and respected.

Inclusive Senior Living

The generation that fought for the rights of people of color and lesbian, gay, bi-sexual, transgender, and queer (LGBTQ) individuals is aging. While the world has undoubtedly become more inclusive since their youth, there is still work to be done.

To serve all older adults, senior living communities and service providers need to be cognizant of and dedicated to promoting diversity and inclusion. Increasingly, senior living providers are acknowledging the diversity of their staff and clients. These forward

thinking providers are working to make sure that everyone is comfortable and respected. Our seniors and senior living providers—all of them—deserve no less.

Positive Aging Sourcebook is dedicated to helping senior living

Continued on page 14

INCLUSIVE SENIOR LIVING Care, Support, and a Focus on Family

Throughout our 134-year history, our focus has always been on people — our residents, families, and staff who, together, create a feeling of “home”. We never forget that a warm hello or a small favor can make anyone’s day brighter. Because we believe what we all really need most is found in our hearts, not on a checklist.

AWARD-WINNING CARE!

Consistently recognized as one of the best nursing centers in the nation by US News and World Report!

PARTNERS IN CARE!

Forest Hills a nonprofi t organization committed to innovation and partners with dozens of organizations like the Parkinson’s Foundation of the National Capital Area and the Mid-Atlantic and Medstar Georgetown Transplant Institute.

To learn more, visit www.foresthillsdc.org or call 202.966.7623

Assisted Living

Forest Side

Memory Care

WE OFFER MORE THAN

We’ll be your expert guide along this journey.

GREAT CAREGIVERS

Whether you need respite care, a little help at home to live independently, or 24/7 care, we can design a personalized Care Plan that meets your needs and budget. Every caregiver is expertly trained and backed by a dedicated Care Team of in-house experts. So you’ll get the care you need and the support you deserve—and always stay informed and in control.

Home Care

From a few hours a day of help to 24/7 support, a dedicated RN will create a unique care plan to meet your specific needs. Our high-quality in-home care includes:

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Our caregivers are expertly trained to support people living with any type of cognitive decline from mild memory problems to advanced dementia.

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Specialized Care

We support people living with specific medical conditions and unique needs, providing the best care so our clients can live safely at home.

• Parkinson’s Disease

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• After A Stroke

• Cancer

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• Hospital To Home

Inclusive Senior Living

Continued from page 10

providers promote diversity and inclusion. We have held numerous digital discussions on equity, inclusion and diversity in senior living to advance acceptance and expand understanding. View past conversations or join future discussions at retirementlivingsourcebook.com/ digital-discussions

LGBTQ Seniors

Many of the LGBTQ seniors who are seeking senior living services today are the same individuals who struggled to come out to friends, families, and employers for decades because of fear of discrimination. Now, as they face retirement living decisions, they are again fearful that their lifestyle will lead to discrimination or the outright refusal of services.

Unlike other seniors, LGBTQ older adults are less likely to have children to help them in their later years. They may also be estranged from their families. This demographic is far more likely to rely solely on a partner or close friend for their care as they age.

In 2010, a groundbreaking documentary film addressed the dilemmas of LGBTQ seniors. Gen Silent profiles six LGBTQ seniors in the Boston area. Many of them are struggling with the decision to hide their sexuality to survive the long-term health care system.

Unfortunately, the seniors profiled in Gen Silent are not isolated examples. A 2018 analysis by University of Washington professor Karen Fredriksen-Goldsen concluded that unique prevention and intervention strategies needed to be developed to address the needs of queer seniors. The study noted that the number of LGBTQ seniors is expected to double to more than four million by 2030.

During a recent Positive Aging digital discussion, Jennifer Marie Brown, the community relations manager at Seabury Resources for Aging, explained the historical context that drives distrust among LGBTQ seniors.

“During McCarthyism, people lost their jobs, people were hounded out of a lot of federal government positions here in the DMV, because they were gay and lesbians. And it made them even more closeted, more guarded, more suspect of being out or public about who they were,” she said.

Brown continued, “As we provide services for 80-year-olds, 85-year-olds, they are very leery of the consequences of being out in a retirement community or with home health care providers. They lived a life in which it was not okay to be queer in the workplace, was not okay to be queer in a house of worship, was not okay to be queer in the PTA, was not okay to be queer anywhere.”

Brown encouraged local senior care providers to seek out training and enrichment opportunities to better serve LGBTQ seniors. Some communities, including Seabury and Iona, have custom programs to serve this population. Additionally, SAGECare is an independent organization that provides training and consultation on LGBTQ aging issues to service providers.

Racism in Senior Living

When thinking of senior living challenges, most people focus on eliminating ageism. However, racism is a significant issue in senior living—just as it is throughout our society. Equity, inclusion and diversity are important topics that senior living providers must confront directly.

Historically, people of color have underutilized senior living services. Many senior living communities have completely homogenous populations— often all white. For senior living service providers, systemic racism and its corresponding economic disparities may prevent people of color from accessing services. There are also cultural barriers to access. Even for hospice services, which are primarily covered by Medicare and Medicaid, a recent study of utilization by race revealed that 83 percent of hospice patients in the United States are Caucasians, while African Americans represent only 8 percent, followed by Hispanics at 6.4 percent, Asians at 2 percent and Native Americans at .05 percent. People of color do not use

senior living services like they could— or should.

Hiring Practices

Beyond utilization, one of the biggest challenges facing senior living providers seeking to promote diversity and inclusion is diversity in hiring. In senior living communities and home care agencies, frontline caregivers are disproportionately people of color, while clients are disproportionately white.

Companies that are not already doing so need to actively recruit and promote people of color. Frontline caregivers should be made aware of opportunities and paths for promotion. They should be encouraged to recruit other people like them to work in the organization. They should also see themselves reflected in the management.

To improve hiring practices, senior living providers can turn to local colleges. “You’ve all heard of Howard University. You’ve all heard of Morgan State. You’ve all heard of UMBC. So if you’re not doing active recruiting in those locations, then you’re not looking hard enough,” explained Cordell Martin, community relations coordinator at Tribute at Melford, an assisted living and memory care community in Bowie, Md, during a digital discussion. “I’m talking about bringing in talented people. I’m not talking about bringing in someone just so you can say you’ve fulfilled a quota, because that’s often how it’s presented.”

Discrimination by Clients

During Positive Aging’s digital discussion, many of the panel members and the participants highlighted discrimination by clients, especially in the home care sector. Many caregivers, particularly those who are from foreign countries, face discrimination from clients.

Caregivers may be mistreated or misjudged simply based on racist ideas. Home care workers and owners alike reported clients asking for caregivers who “didn’t have accents” or who “looked like them.”

Sambal Johnson, a caregiver with HomeCare.com, relayed her personal experience. “I’ve been discriminated

Continued on page 197

Vibrant Senior Living...

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• Ashby Ponds® Ashburn, Virginia

• Greenspring ® Springfield, Virginia

• Riderwood ® Silver Spring, Maryland

• Charlestown® Catonsville, Maryland

• Oak Crest ® Parkville, Maryland

Coming Soon

• The Grandview℠

Bethesda, Maryland

• Woodleigh Chase℠

Fairfax, Virginia

Understanding Solo Aging

Solo aging is simply aging on your own. For most people, this means aging without a spouse, adult children, or other close relatives. Whether they are widowed, divorced, estranged, or never had a spouse or children, many solo agers find themselves in their 70s, 80s, and beyond without any immediate family members.

Long misunderstood and misrepresented, solo aging is emerging as a desirable and increasingly popular way to age. Even for individuals who didn’t necessarily choose solo aging, it can be a positive phase of life with the right attitude and some advance planning.

Who is Solo Aging for?

Anyone and everyone who is over age 65 and living independently. Solo agers are making decisions on their own as they age. It is important to remember that solo aging is not just for individuals who have always been single. For instance, an older adult may become a solo ager when their spouse predeceases them. Even individuals with kids may become solo agers if their children live far away or if they are unable to be involved in aging decisions or caregiving.

Joy Loverde is a senior living expert and industry veteran, as well as the author of The Complete Eldercare Planner and Who Will Take Care of Me When I’m Old? She joined a recent Positive Aging Sourcebook Digital Discussion on solo aging. In the last decade, Joy’s focus has shifted from helping individuals care for their elderly loved ones to helping them plan for their own future.

When should you start planning for solo aging?

Yesterday. Or today. Or as soon as possible. Planning for solo aging is much easier and far less stressful if it is done BEFORE a crisis.

Especially if you realize that your circumstances will mean that you will become a solo ager, it is important to start as early as

Long misunderstood and misrepresented, solo aging is emerging as a desirable and increasingly popular way to age.

possible to plan for the future. This includes planning for your financial, emotional, and physical well being.

Solo agers need to consider how they want to live and receive care (if necessary) as they get older. They should also give serious thought to whether they want to “age in place” or move to a senior living community of some type. Aging in place means that you will be living in your current neighborhood or live in another community that is not age restricted. There are also a wide variety of senior living communities—ranging from communities where residents are fully independent but enjoy amenities to properties that provide varying levels of care for residents as needed.

How do you maintain and build connections and friendships as you age?

Joy explained that there are community organizations, events and clubs in every town and city— many designed specifically for older adults.

With no shortage of places to meet people, you have to focus on not just meeting volumes of people, but on being a good friend and forming long-term, deep commitments. Friendships take time and perseverance, and there must be a balance of give and take. As a start, Joy recommends seeking out county and city groups for older adults run through Area Agencies on Aging. She also suggests a quick google search of “free activities” and your city or town’s name.

What do you need to be a successful solo ager?

While the specific answer varies widely according to personal desires, the short answer is quite simple: a clear, actionable plan. Solo Aging has many facets including:

• Location – Decide where you will age. Do you plan to age in place in your current private residence or move to a different location or senior living community?

• Accessibility – If you are aging in place, does your current residence need updates or modifications to accommodate your needs as you age?

• Finances – Do you have the financial means to see your plan through? Have you calculated your projected expenses?

• Legal – Both financial and medical planning may require the assistance of a legal professional. You should at the very least have a power of attorney appointed to oversee your decisions and estate if you can longer do it.

• Medical – Do you have any longterm health conditions you need to plan for? Do you have a strong family history of a certain condition? Have you appointed someone (friend, family, or attorney) as a medical power of attorney?

• Emotional – Do you have a social safety net? What can you do to create one? Do you have relationships with your neighbors or friends close by?

For more information on solo aging, download the digital discussion at retirementlivingsourcebook.com . You can also find Joy Loverde’s books at www.elderindustry.com .

hello pickleball. Goodbye home maintenance,

Top Discussions

Digital discussions greatest hits

Since May 2020, thousands of people have attended Positive Aging Sourcebook’s live and interactive digital discussions on a wide variety of topics. The discussions feature experts and thought leaders from all over the world.

The 2023 Greatest Hits list is based on registrations. In 2023, we hosted nearly 80 discussions with more than 15,000 registered attendees. Our average discussion had more than 135 attendees, with approximately 50 percent being individuals and families searching for resources and 50 percent being seniorserving professionals looking for resources and connections to people they serve. The mix of attendees varies depending on the topic.

The Greatest Hits list provides a glimpse of the topics of interest to our community. What to do with our stuff, Solo Aging, Memory Care, Senior Housing, and featured thoughtleaders all top the list . However, the beauty of our platform is that we will continue to host discussions on topics that might not be as popular but can be even more meaningful and engaging to our community.

In 2024, look for more real-life stories, featuring individuals and families talking about the choices they have made and the solutions they have found.

2023 Greatest Hits

Digital Discussions with Positive Aging Sourcebook

Find these and all the digital discussions available on demand at positiveagingsourcebook.com.

1. The Joys of Swedish Death Cleaning

2. The Stuff About Your Stuff Isn’t About Your Stuff

3. Overwhelmed by Too Many Photos? You Aren’t Alone

4. Caregiving is Different for Solo Agers. Are you ready?

5. Essential Planning for Solo Agers

6. The Future of Senior Living: Discussion with Bob Kramer

7. Dr. Bill Thomas - Better Together: The Awesome Power of Growing Stronger Together

8. Brain Health As You Age with Dr. Simmons & Jodi Lyons

9. Understanding the Costs of Life Plan and Continuing Care Retirement Communities (CCRC)

10. Solo Aging: Live & Interactive Discussion

INGLESIDE AT ROCK CREEK (DC)

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INGLESIDE AT KING FARM (MD) 240-398-3823 / www.ikfmd.org

INGLESIDE AT KING FARM (MD) 240-398-3823 / www.ikfmd.org

TRANSFORM

TRANSFORM

Your Everyday.

Your Everyday.

Ingleside communities embrace diversity, foster individual growth, and encourage discovering your passion. Visit one of our Centers for Healthy Living to nourish your mind, body, and spirit in serene environments and revitalizing events. Enjoy leisurely strolls with neighbors, unleash your creativity in the kitchen, or unwind in our outdoor garden. Engaged living is not just a tagline; it has the power to transform your everyday life.

Ingleside communities embrace diversity, foster individual growth, and encourage discovering your passion. Visit one of our Centers for Healthy Living to nourish your mind, body, and spirit in serene environments and revitalizing events. Enjoy leisurely strolls with neighbors, unleash your creativity in the kitchen, or unwind in our outdoor garden. Engaged living is not just a tagline; it has the power to transform your everyday life.

To learn more or schedule a tour, please visit WWW.INGLESIDEONLINE.ORG.

To learn more or schedule a tour, please visit

WWW.INGLESIDEONLINE.ORG.

Not-for-profit, Life Plan Communities offering independent living, assisted living, memory care, skilled nursing, rehabilitation, home care services, and a social day program.

Not-for-profit, Life Plan Communities offering independent living, assisted living, memory care, skilled nursing, rehabilitation, home care services, and a social day program.

GOODWIN, GREAT CHOICES

Goodwin Living has been redefining aging since 1967. Nonprofit and faith-based, we serve our mission to support, honor and uplift the lives of older adults and those who care for them. We know that every individual has unique needs, wants and desires, so we offer a full range of senior living and healthcare services throughout Northern Virginia and Washington, D.C.

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GREAT LIVING

Our senior living campuses, Goodwin House Alexandria, Goodwin House Bailey’s Crossroads and The View Alexandria by Goodwin Living, support your active lifestyle within easy reach of Washington, D.C. You’ll enjoy independent living, assisted living, memory support, short-term rehab, long-term nursing care and a range of specialized healthcare services that Goodwin Living provides.

GREAT INDEPENDENCE

Goodwin Living At Home brings insurance-like coverage for costs together with care coordination to help you age safely and vibrantly in your home.

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Goodwin Home Health provides short-term rehab therapy and nursing services by coming to you conveniently, wherever you call home.

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Goodwin Hospice brings comforting care when you need it most, with dignity and quality at end of life, in homes throughout Northern Virginia.

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Info@GoodwinLiving.org | GoodwinLiving.org

amilies evolve. They grow and change over time. But no matter how much the family branches out, the roots remain. Family is forever.

Family is also frequently made up of both people you are related to and people you choose to relate with. The latter is certainly the case with the leadership, staff, and residents at Kensington Senior Living Communities. With eight senior living communities, including four in the Washington, DC Metropolitan region, Kensington delivers high-quality independent living, assisted living, and memory care options based on one simple—yet profound—promise. Kensington promises to love and care for your family as they do their own.

Kensington Senior Living communities were founded by passionate leaders in the industry who had the experience and knowledge to do something different. As former executives for a massive senior living provider, they knew they wanted smaller properties that could offer more individualized care. They also strived to build properties where they would want their family members to live. And they did. At one point, each partner has had a family member living in a Kensington community.

When you walk into a Kensington community, it feels like a family—a loving, welcoming, extending family. Meet some of the family.

Keeping the Family Together

A mother of five, former part-time accountant, and active community volunteer, Millie Savage never had a problem staying busy. Even after retiring and moving from Silver Spring, Md. to

Williamsburg, Va., she remained active and engaged: volunteering at a hospice and as an election official. When her husband, Albert, started to experience health issues, Millie knew it was time to move. She started searching for retirement communities in the DC region.

Millie was drawn to Kensington Senior Living in Kensington, Md., because it was near her former home and provided different levels of care on one campus. The various care levels allowed Millie and her husband to remain together but still receive individualized care to meet their different needs.

“When the Parkinson’s disease first started, I took care of him as best I could, but there came a point where I couldn’t do it anymore. I talked to my family, and we decided that this would be the best place for us,” she recalled. “He moved into memory care, and I moved into independent living, and I was able to visit him every day and spend time with him.”

Keeping her family together was important to Millie. At the time, she didn’t realize she was joining a bigger family.

“Our mission at Kensington is all about family,” explained Managing Director Mary Mell. “We are focused on not only taking care of the residents but also their families. We also take it a step further to make sure our staff are included, and Continued on page 30

Kensington Senior Living communities were founded by passionate leaders in the industry who had the experience and knowledge to do something different.

An Extended Family

Continued from page 28

that they are treated like family too. It’s a feeling you get in our communities. We are all truly partners.”

A natural joiner, Millie quickly became involved in the active community. “I love it here. I’m such a people person, and I just love being involved here,” she said. “I can’t believe I’ve been here for seven years. I’m now the second oldest resident here. I am just so grateful that I moved here.”

Millie exercises every day and participates in many of Kensington’s daily activities and outings. She has also continued to volunteer at the community, first in the memory care neighborhood and then in the dining hall. Although she lost her husband five years ago, she has made lots of close friends in the community who are like a second family to her.

“Millie is an excellent example of what I admire about this generation of people,” said Mell. “Their generosity is seemingly boundless, and they are always willing to do whatever it takes. For instance, even during the pandemic, they had less anxiety and more fortitude. They knew we would get through this.”

A Place that Feels like Home

Lieutenant Colonel John Derrick and his wife, Marjorie, have lived across the U.S. and in several countries. They know unequivocally when a place feels like home—and when it doesn’t. They are proud to call The Kensington Falls Church home. Throughout their marriage, the Derricks lived in locations ranging from

New York to Alaska and Kansas to Florida. The family also lived in Germany. Along the way, they welcomed three children, two boys and a girl.

After 25 years of military service and 20 years as a professor, John embarked on his third career as a volunteer. Marjorie spent her time focusing on the children, learning different languages, and reading and writing. The family also spent a lot of time outdoors together, especially in National Parks, where they frequently volunteered.

John recalls his last volunteer appointment fondly. He worked as a driver for Emergency Medical Services. “I was not an EMT or a paramedic, but when the siren went off, I was the driver,” he said. “I loved that. She doesn’t let me drive like that.”

The couple had lived in Melbourne, Fl., for 29 years when they started to grow weary of home maintenance. After leaving their family home, the Derricks lived in a rental retirement community for 13 years before deciding to relocate again.

When the Derricks started to experience some health issues, they thought it would be better to be near family. Their children were heavily involved in their search to find a place where they both felt comfortable.

Unfortunately, the first community the Derricks moved to in the DC Metro area was not a good fit. “When we were choosing Kensington, we had the benefit of experience. We knew what the community in Florida was like and what the first community here was like. We knew exactly what we wanted,” explained Carl Derrick, the couple’s son. “The most important consideration was certainly the staff-to-resident ratio. We wanted a community that was more responsive to my parents’ needs and more receptive to our feedback as a family.”

Carl went on to note that the Kensington really lives up to their promise “to love and care for your family as we do our own.” “There is a sense of loving and care here that you can feel,” he explained. “You see it in all the staff—from the look on their faces to their positive attitudes. And no matter what your question or concern,

someone always gets back to you.”

Kensington Falls Church Executive Director Amy Feather explained that the family atmosphere at the community is driven by involved residents like the Derricks. “They share and give feedback, and that is really helpful for us because feedback from the Derrick family makes us better and more effective for all the residents in the building,” she said.

Friends Become Family

After living all over the world with her military family, Penny Johnson graduated from Vanderbilt with a degree in Spanish. She used both her education and her first-hand experience living in Mexico City to become a middle school Spanish teacher.

While at Vanderbilt, she married her husband who later completed medical school and became a neurosurgeon. His career took the couple to cities across the U.S. The couple had three children. They eventually settled in Savannah, Ga., and Penny continued to live there until her children were grown.

“I lived in Savannah for 40 years, and I loved it,” she recalled. “For somebody who had lived in so many places by then, finally settling in one city was amazing.”

Penny ultimately decided to leave Savannah because she wanted to be closer to some of her family. Her son and daughter-in-law who live on Capitol Hill in Washington, DC, helped her find Independent Living at Kensington Park Senior Living, where she lived for several years before transitioning to assisted living at The Kensington Reston. At both communities, she enjoyed the welcoming atmosphere and found it easy to make friends who quickly

Continued on page 32

Only the best for you

because the best is all Kensington Senior Living knows how to do

Over a decade ago, a passionate group of lifelong senior living professionals, local to the DC Metro area, dreamed of creating senior living residences they’d choose for their own parents. They wanted to contribute their knowledge and heart to improve the lives of older adults and those who love them. And that’s just what they’ve done in Virginia, Maryland, New York and California.

Kensington Senior Living is a partnership of bighearted leaders who made “a promise to love and care for your family as they do their own.” With deep understanding of older adults and their families, they designed, developed and staffed beautiful residences that reect decades of expertise and unwavering commitment to uphold their promise. Every day and night, best-in-class professionals deliver more comprehensive care and support than what other

senior living providers offer. For example, a creative variety of activities and services geared toward independent residents offers ongoing opportunities to socialize. Assisted living and memory care staff-to-resident ratios are excellent. Personalized small-group activities foster friendships, contentment and a sense of purpose. Specialized levels of memory care address the challenges unique to each phase of loss. Couples are welcome and can reside together in the same suite, even if their care needs differ.

The best is here for you. We are standing by...interested, eager to listen and ready to help.

Breaking New Ground

Kensington Senior Living recently broke ground on a new community just miles from downtown Bethesda, Md. The 116-bed assisted living and memory care community will be part of a larger development that will include a grocery store, restaurants, retail, townhomes, apartments, and open gathering spaces. The space is expected to house up to 135 residents.

The Kensington Bethesda will feature 106,000 square feet of living space and serve seniors who need high-level assisted living care. The community will be equipped and staffed to handle residents with memory care challenges, as well as those who need help with

An Extended Family

Continued from page 30

felt like family. “I felt like I had built-in friends the moment I moved into both communities,” Penny said. “The people are so friendly and open. There are so many activities, and there is always someone to do them with.”

Penny has also enjoyed the fact that she never has to eat alone. In fact, she often has different dinner companions. “This is such an accepting community. Especially if you are a newcomer, other residents are particularly nice to you and invite you to join them. They strike up conversations, and they become your next best friend. It is really that easy,” she explained.

In addition to making new friends and enjoying activities, Penny is also using her skills to give back to the community. She volunteered to teach Spanish classes. However, after the first class, she realized that most of the people who came were staff members who knew Spanish and wanted to learn English. She is now practicing conversational English with them.

medication management, dietary restrictions, mobility, or daily personal care. Couples are welcome even if care needs differ. In fact, spouses with different care needs will be able to reside in double occupancy units together.

The new community will feature four distinct dining options including a café, an open market, casual dining area, and formal dining room. Just like at all Kensington properties, families are always welcome to join residents for meals free of charge.

The property is expected to be completed in April 2025 and prospective residents will be eligible to sign up about six months prior to opening.

“I never dreamed that I’d end up teaching English to Spanish-speaking people,” Penny said. “That’s so fun! I like to give back to the community because the community has given me so much— so many friends who feel like family.”

Amy Grossman, the Executive Director of The Kensington Reston, explained how important it is for the residents to make these vital connections. “For so many of them, this is a wonderful new beginning, in a time of their life when they weren’t expecting a new beginning,” she said. “They come to a community, and they start a new life, with new bonds and connections.”

All in the Family

From couples staying together as their care needs change to new friends that become family, residents at Kensington Senior Living communities quickly learn that everyone who moves in becomes a part of the family. Kensington has built an atmosphere where residents, staff, and family members are united in a common purpose—to build strong families that value their elders above all else. Kensington communities function as big extended families, and the families just keep extending.

Festivus is the dog of Founding Partner Dave Faeder. Kensington communities are all pet-friendly. They’re part of the extended family!

“ There is a sense of loving and care here that you can feel. You see it in all the staff— from the look on their faces to their positive attitudes. No matter what your question or concern, someone always gets back to you.”

CARL

DERRICK

, son of Lieutenant Colonel John Derrick and Marjorie Derrick, residents at The Kensington Falls Church

Scott Maguire Always Best Care Senior Svcs 703-463-9462

George White Dignity Memorial 757-206-4200

Gisela Call Arbor Terrace Prince William Commons 703-721-8801

Tommy Shernisky Heartland Hospice 866-834-1528

Harby Tran Oasis Senior Advisors 703-638-8629

Ali Soltani HandyPro 301-960-1060

Seraph Townsend City Stash 202-417-2120

Melinda Gessel Heartland Hospice 703-273-8693

Erika Chavez SmithLife Homecare

Katie England Fox Rehabilitation 703-712-9355

Heidi Garvis Caring Considerations 571-488-9396

Kristine Llanes The Kensington Reston 571-494-8100

Debbie Lewis New York Life

David Knasel Protorae Law PLLC 703-749-8507

Kristy Kennedy Silver Bridges Consulting 202-717-6233

Lisa McFarren Polgar Starling Benefits 703-678-8411

A.J. McGrew VIE Village 571-528-0920

Noelia Navarro Genuine Care Home Care 571-577-4905

Katrina Phipps Planning for Senior Life 571-438-8790

Al Penksa Edward Jones 540-349-9741

Maria White Enu With The Stu 410-227-7778

Suzanne Woods Harper’s Station Gainesville 703-347-3810

Karen Yasin Dignity Nat’l Memorial Park 703-953-5644

Mark Asch Advanced Nursing 410-292-2405

Raina Bonds Reflection Law 703-752-6196

Dr. Prita Bhardwaj Northstar Health 703-723-9100

Nick Bryant Comfort Keepers 703-591-7117

Gurpreet Bajwa Healing Home Health Care 703-652-4800

Kayla Hulbert The Kensington Falls Church 703-992-9868

Dana Hutson Cancer Champions, LLC 703-403-7600

Mark Gottlieb Gottlieb Insurance Advisory 301-332-4337

Steve Gouterman Paradigm Experts, LLC 240-299-3629

Keaneu Zamora White Glove Solution, Inc 703-686-8080

Horacio Zamora The Je erson 703-741-7562

Anita Irwin Insight Memory Care 703-204-4664

Solera’s mission is to elevate senior living by delivering personalized service, engaging programs, and best-in-class amenities. Modena offers extraordinary independent living, assisted living, and memory care on one campus. Residents enjoy exemplary service in an elegant and welcoming environment. Families gain peace of mind knowing that their loved ones are cared for by qualified staff and can transition to higher levels of care if needed.

While the services and amenities at Modena were an enormous draw for both the Diamond and Rafferty families, the transition to senior living was challenging. It is not uncommon for new residents to struggle with leaving longtime homes and familiar neighborhoods. Making new friends can help residents navigate the transition.

An Organic Meeting

When BJ moved in across the hall from Vicky, the families met briefly. When the women later connected through organic interactions, they hit it off. Neither Vicky nor BJ expected to meet a new best friend at this phase of their life, but they now see the immense power of friendship—to help, to heal, and to hearten.

By Christy Brudin

Vicky Diamond was lonely.

Betty Jane (“BJ”) Rafferty just wanted to go home. When they met each other, everything changed. Vicky and BJ went from next door neighbors to fast friends. Now they lunch together, chat together, and look out for each other. They feel cared for and needed—everyone needs that.

Both Vicky and BJ are residents of Modena Reserve at Kensington, a senior living community in Kensington, MD, managed by Solera Senior Living.

“If you see Vicky, you see BJ—and vice versa. They check on each other, and they motivate each other to do things and to participate in the activities."

—Janet Bradley, Executive Director of Modena Reserve

Prior to moving to Modena, Vicky lived in Silver Spring, MD. Vicky and her husband, Larry, raised three kids in the neighborhood. Larry was in the real estate business, and Vicky worked for 25 years as a personal shopper at Saks Fifth Avenue. She also did a lot of philanthropic work with the Smithsonian. After Larry passed away, Vicky lived alone for decades. Unfortunately, last year, she suffered a terrible fall that had some lasting consequences.

“At first we had around-the-clock care in her apartment in Bethesda, but we knew that would be unsustainable,” explained Vicky’s son, Brett Diamond. “We started to look around, and we found Modena right in the neighborhood. As soon as we walked in, we thought this was really nice. It is bright, fresh, and brand new.”

The downsizing and moving

Vicky Diamond and Betty Jane (“BJ”) Rafferty went from next door neighbors to fast friends when they met at Modena Reserve at Kensington, a senior living community in Kensington, MD.

Modena Reserve at Kensington

process proved to be difficult for Vicky and her family. “When mom first moved in, it was a struggle,” Brett said. “It was scary for mom, and she was suffering. We just needed to see a smile on her face. We had to adjust some of her medications, and that helped. But the real shot in the arm was meeting BJ.”

A few months after Vicky moved in, BJ relocated to Modena. Now the two women are near-constant companions. “If you see Vicky, you see BJ—and vice versa. They check on each other, and they motivate each other to do things and to participate in the activities. Together, they are enjoying the lifestyle we offer here,” noted Janet Bradley, Executive Director of Modena Reserve.

A Mutually Beneficial Relationship

Vicky’s family started to notice a change in her demeanor. “I remember telling my sister that things were changing for the better,” Brett recalled. “We noticed that mom’s mood improved, and her attitude was better,

Downsizing and moving was a challenge for Vicky, but her family, including son Brett Diamond, remained positive and sympathetic. They were thankful when a new friendship helped Vicky feel more at home.

and that was around the time she and BJ started lunching together every day.”

BJ’s son, Patrick Rafferty, agreed that this friendship has had a positive impact on both women. “My mom didn’t want to move, didn’t want to leave her house, and she was very unhappy at first,” he recalled. “When she became friends with Vicky, it gave her a sense of purpose. They even leave their doors cracked, so they can

just walk into each other’s apartments. It is like they are in college.”

Recently, BJ was experiencing a health problem. When Patrick went to visit her, he found Vicky by her bedside, holding her hand and supporting her. “That’s what it’s all about. It gives them both a sense of purpose to care about another human being and to be supported by each other.”

Beyond feeling a sense of purpose, having a friend has made Vicky feel safer. Brett noted that she is calling her family less in the middle of the night. The staff also noticed she is using her emergency call button far less. Having a friend right across the hall that she can call on anytime gives Vicky a sense of comfort.

Friendship is powerful. Friends can make you laugh, hold your hand, and help you heal. The love of a friend holds immense potential—and untapped power. For BJ and Vicky, the force of their friendship is evident every day in their smiles, interactions, and caring gestures, proving you are never too old to meet a new best friend!

Modena Reserve at Kensington

apartment, Marie remains active in her church and the larger community. In fact, she has been instrumental in improving pedestrian safety in the nearby area. Marie spearheaded an effort that led to a new crosswalk. She is continuing to lobby for additional safety measures including a stop light for pedestrians.

By Christy Brudin

Some people are born with a servant’s heart. They may give quietly, humbly, and endlessly. Or they may be willing to make a scene to make sure someone else gets seen. No matter how they give back, their generosity and compassion makes the world a better place.

Two of these natural philanthropists are living at Hunters Woods at Trails Edge, a full-service senior living community in Reston, VA. Hunters Woods is managed by Solera Senior Living, a company committed to elevating senior living by focusing on personalized service, engaging programs, and best-in-class amenities. The community offers independent living, assisted living and memory care on a beautiful campus right in the heart of Reston. Given its prime location and excellent programming, Hunters Woods is a natural draw for accomplished residents who have traveled widely and given generously. Now, they are giving and getting in retirement.

Serving the Community

When Marie Mercer sees a problem, she acts. She doesn’t grumble or

complain. She gets things done.

A social worker and a minister’s wife, Marie has dedicated her life to the betterment of others. Her career has included working for refugee resettlement programs and international adoption foundations. She has traveled broadly and spent several years living in both the former Yugoslavia and Russia. During this time, Marie and her husband, Charles, also welcomed five children and consistently involved them in their community service work.

The Mercers had moved back to the United States and settled in Reston near their youngest son and his growing family when Charles started to experience some medical issues. After he fell down the stairs, the couple decided that they needed a home without stairs. Marie remembered, “We wanted to stay in this community, so we looked around and found Hunters Woods and thought it would be perfect for us.”

Only a few months after moving, Charles passed away. “Everyone here was so kind and helpful to us during his illness. I am so glad we were here during that time,” Marie said.

Now settled into a different

Marie also took matters into her own hands after the neighborhood bus shelter was damaged. “Someone smashed the plexiglass on the bus shelter,” she recalled. “It was left with thick shards of plexiglass, and I was worried that someone was going to get seriously injured.” When her letters to the Fairfax Connecter received no response, Marie went back to her activist roots.

“I decided to demonstrate. I thought that might get some attention,” Marie explained. “I made a little sign about how this was a dangerous and shameful place, and I stood out there so everyone could see it.”

After several days of protesting, a bus driver took notice of Marie’s sign. “When they sent someone from the county out to meet me, he said that they would take care of it. I asked him if I could retire from protesting. He said, “Yes.” I left, and I thought that was it.”

Unfortunately, Marie’s fight wasn’t over. She got a call a few days later informing her that the shelter had been removed—not repaired. Now the community had no shelter.

“I told them that wasn’t what I wanted! We needed a shelter,” Marie said. She was informed that a new shelter would be coming. Ever vigilant, she continued to write a weekly letter reminding the county of the missing shelter until it arrived a month later.

Marie won the bus shelter battle, but she is always ready to get

Lifelong philanthropists, Gillian Sescoe and Marie Mercer share a similar commitment to giving back to others. The two women are both residents at Hunters Woods at Trails Edge, a full-service senior living community in Reston, VA.

Hunters Woods at Trails Edge

involved when she sees unmet needs or inequalities. Most recently, she joined her daughter to protest the ongoing injustices in Myanmar.

“I always think of Dr. Martin Luther King who famously asked, ‘What are you doing for others,’” Marie said. “That is the most important question of all.”

Serving (New) Citizens

Gillian Sescoe has a similar guiding philosophy. “I’ve always done volunteer work. It is so important to give back as much as you can in life,” she said.

A native of England, Gillian enjoyed a long career in the intelligence community. She met her husband, Vince, while stationed at the American Embassy in London. After marrying, the couple spent five years together in Frankfurt and then had temporary assignments throughout the Middle East and Europe. They eventually moved to America and settled in Reston, where they continued volunteering.

For years, Gillian was a regional

“I always think of Dr. Martin Luther King who famously asked, ‘What are you doing for others.' That is the most important question of all."

—Marie

Mercer, Hunters Woods at Trails Edge Resident

president with Hadassah, a Jewish women’s volunteer organization that supports education, advocacy, youth development, and medical care. In her role, she led more than 4,000 women in different states to advocate for important causes including women’s health care. After her term was up with Hadassah, Gillian decided she wanted to do something local. She is now heavily involved with Cornerstones, a Reston-based nonprofit organization that helps those in need with food, shelter, affordable housing, and quality childcare.

Gillian teaches an American Citizenship class for Cornerstones.

Her class is essential to helping immigrants pass the exam required for citizenship. Prior to his illness, Vince also volunteered with Cornerstones— helping immigrants compose resumes and prepare for job interviews.

“More than 200 men and women from 36 different countries have become citizens of the U.S. through my classes,” Gillian said. “Vicent and I were proud to receive a Best of Reston award six years ago for our efforts.”

For Gillian, giving back to the community in this way is incredibly rewarding. “I wasn’t a citizen when I arrived in the U.S. either, so it’s great

Continued on page 197

Hunters Woods at Trails Edge

Senior Living Resources

Senior living resources include any professional or service that makes life easier for older adults and their families. Some prominent examples include elder law attorneys and aging life care professionals.

As the older adult population has grown, so have the number of professionals and services specifically dedicated to assisting older adults. Professionals who specialize in helping older adults have the expertise and the experience to make challenging situations easier. They have seen—and done—it all before.

How can senior living resources help me?

Senior living resources include professionals who can help older adults address any challenges that come along with aging.

For instance, elder law attorneys can help individuals get their affairs in order, so there is no question what they want in terms of medical care and interventions and the disposition of their assets after death.

Aging life care professionals provide families with help navigating the vast and complex senior living industry. They can help seniors find appropriate care environments and mediate family conflicts.

Beyond these two professions, there are hundreds of providers and resource companies that offer help

some of them have experienced the same or a similar

challenge and may be able to suggest a course of action, or even a specific professional to

Use our research. Sourcebook features detailed articles, checklists, featured listings and comprehensive tables in each section. Use these resources to begin your search for a professional who can help

Treating Movement Disorders

Treatments for Parkinson’s and other disorders have improved

Movement disorders, including Parkinson’s disease and related disorders, can disrupt everyday life. Patient’s experience a wide range of symptoms—from movement difficulties to mood disorders to cognition challenges. These conditions also typically progress with time. But help is available.

The available treatments for Parkinson’s disease, essential tremor, dystonia and other movement disorders have improved dramatically during the past decade. Specialized neurologists and neurosurgeons now have a wide array of treatment options to help patients achieve their best possible quality of life.

World-class care in the community

For decades, individuals with Parkinson’s or other movement disorders were treated primarily by general neurologists and had limited choices in terms of medicines. To see specialists, patients would have to travel to large, academic institutions. That is no longer the case.

“One of the biggest hurdles to doing well with Parkinson’s compared to doing just okay was access to specialty care,” explained Dr. Drew Falconer, Medical Director and Movement Disorders Specialist at the Inova Parkinson’s and Movement Disorders Center. “We created an academic center in a community-based setting and all of a sudden that accessibility problem fell by the wayside.”

Essential Tremor vs. Parkinson’s

Essential tremor is a movement disorder in which a tremor comes out with activity. For instance, when a person is writing, their hand may begin to shake, but when they are at rest, their hand will not shake.

Dr. Falconer noted that nearly 90 percent of essential tremor patients are treated only by a primary care physician. However, he said, essential tremor responds well to newer pharmaceutical protocols—and treatments like Deep Brain Stimulation can eliminate it completely.

Neurologists and associated specialists focused on movement disorders provide treatment for:

• Parkinson’s disease

• Essential Tremor (ET)

• Dystonia, spasticity and other tone issues, including those resulting from multiple sclerosis or neurological injury

• Tic disorders

• Huntington’s disease and other hyperkinetic movement disorders

• Parkinsonisms, including multisystem atrophy (MSA), progressive supranuclear palsy (PSP) and corticobasal degeneration (CBD)

Dr. Falconer noted that since its founding seven years ago, the Inova Parkinson’s and Movement Disorders Center has grown dramatically. The center now employs five movement disorder specialists in five offices and

treats more than 3,500 Parkinson’s patients annually.

The evolution of treatments

In addition to being more

Continued on page 51

A Trusted Partner Caring for Our Community

We pride ourselves on being a nationally recognized Parkinson’s and Movement Disorders Center, anchored in the community in which we live.

IPMDC sponsors dozens of online and in-person, educational, wellness and supportive programs each month, at no cost to participants.

Whether it’s Parkinson’s, essential tremor, dystonia or another movement disorder, our experienced team of fellowship-trained specialists

Low Vision Can Lead to Challenges

Everyday activities may be difficult with limited sight

Low vision is vision loss that is uncorrectable through glasses, surgeries, or medications. Low vision impacts one’s ability to complete everyday activities. One in ten people over age 80 have this issue, but many are unaware of what it is and what can be done about it.

The first signs of low vision may be trouble reading, driving (especially at night), or recognizing people’s faces. An increase in falls can also be an indicator of low vision. Different eye conditions—from age-related macular degeneration or glaucoma to diabetic retinopathy—cause various vision challenges. However, all the conditions that cause low vision can make everyday activities more difficult!

It is important to note that, while one’s chances of low vision increase with age, permanent sight loss or going blind is not a normal part of aging.

Living with Low Vision

In the case of low vision, sight cannot improve. However, individuals can live with low vision and continue to be active and engaged. There are strategies and tools available to help patients adjust to current vision. These supports range from magnification and environmental changes to learning how to use different senses (such as touch or hearing).

Service professionals, such as a low vision specialist, can work with patients to develop a comprehensive

rehabilitation plan. This plan will be developed with the individual’s personal goals in mind. Goals may range from regaining employment to staying safe in the home. No matter what the patient may want to do, there are hundreds of resources available to help.

Losing your sight does not mean losing your independence. There are many services, supports, and professionals available to help. With assistance in place, many people with low vision go on to live full lives.

As we age, some vision changes are normal, however others are not. Have you had . . .

• difficulty reading?

• difficulty walking down stairs?

• a hard time seeing or driving at night?

• a fall in the last year?

If you or someone you know is experiencing low vision, learn more about what can be done to help. Connect with the Prevention of Blindness Society of Metropolitan Washington (POB), a nonprofit with free services and resources for people with vision loss, at (301) 951-4444.

If you, your loved one, or clients answered “yes” to any of these questions notify your doctor and call our information and resource line at (301) 951-4444.

The first signs of low vision may be trouble reading, driving (especially at night), or recognizing people’s faces

Hearing is Believing

Acccording to the National Association of the Deaf (NAD), nationwide relay services were first required by the passage of the Americans with Disabilities Act (ADA) in 1990. Relay services enable people who are deaf or hard of hearing, or who have a speech impairment, to communicate via telephone with a person who can hear.

States implement their own individual programs and services vary from state to state.

How do relay services work?

Most states offer traditional relay services and other accommodations.

To make a call using relay services, users simply pick up the phone and dial 7-1-1. After dialing, users are automatically connected to a communications assistant.

It is important to note that relay service users who are experiencing an emergency should still dial 911 directly.

What types of relay services are available?

Traditional relay services are also referred to as TTY. A TTY has a keyboard, which allows the user to type their side of the conversation, and a text screen to read the other person’s responses. After the TTY user types their side of the conversation, an operator reads the text to the other person. As the other person speaks in response, the operator types the spoken words, so the TTY user can read them on their device screen.

Using Hearing Carry-Over (HCO), users who can hear but have difficulty speaking or being understood over the telephone are able to type their side of the conversation, which is then voiced to the other participant by the operator.

Speech-to-Speech (STS) is a similar service that assists individuals who have mild to

Have confidence in every conversation.

Do you find it difficult to use a standard phone? Do people ask you to repeat yourself during telephone conversations? Do you miss important calls because you can’t hear the phone ring? The Maryland Accessible Telecommunications (MAT) program is here to help by giving Maryland residents the opportunity to apply for State-provided telecommunications equipment to independently make and receive calls. Once you qualify, a skilled evaluator meets with you to determine the best device to support your day-to-day communications. The MAT program has a variety of equipment solutions to support clearer communication, including:

• Amplified phones

• Tablets

• Ring signalers

• Phones with large and/or high contrast buttons

• Captioned Telephones

• And more

For more information: 800-552-7724 | 410-767-7253 (Voice/TTY) 410-801-9618 (Video Phone) | MDMAT.org

moderate difficulty speaking and can hear clearly on the phone. Users speak with their own voice or with an assistive device and the operator re-voices what is said, as needed. This service may be particularly helpful for people living with cerebral palsy, multiple sclerosis, Parkinson’s disease, and other conditions.

Using Voice Carry-Over (VCO), people who can speak clearly but have difficulty hearing what is being said over the phone can remain connected. The relay user speaks directly to the other person. As the other person responds, an operator types the response and the VCO user reads it on the screen of their phone.

Another option for individuals who have difficulty hearing over the phone is a Captioned Telephone . A Captioned Telephone works just like a standard phone, with one important difference: it displays captions on the device’s screen

Continued on page 207

Financial Planning for Senior Healthcare

Evaluate needs and calculate options

Few things are guaranteed in the game of life. Healthcare costs just might be one of them. At some point, most people will face ongoing and potentially large healthcare costs. The odds increase dramatically with age. Now is the time to prepare for healthcare costs as you age.

LIFESTYLE

Do you have a plan to get to the store and doctor appointments when you stop driving?

Have you considered having services come to your home when you stop driving?

Do you know how your health conditions will progress with age?

Have you thought about staying in your home versus moving elsewhere as you age?

Do you know the senior services support organizations in your community?

Do you have a support system in place if you are caring for a loved one with Alzheimer’s Disease or another form of dementia?

CASH FLOW

Do you have social security and if so, do you know your monthly income?

Do you have a pension and if so, do you know your benefit income?

Do you understand social security and pension survivor benefits?

Do you know the direct and indirect costs of your health insurance?

Are you saving to cover for emergency healthcare costs?

Do you understand what

Medicare will and will not pay for?

Do you understand the three qualification areas to apply for Medicaid financial assistance?

Do you know how your monthly income will change if one spouse dies?

LONG TERM CARE INSURANCE (LTCI) CONTRACTS

Do you understand what your LTCI policy will and will not pay for?

Do you know if your policy has a maximum payout?

TAXES

Do you know the kinds of expenses that could be considered deductible when faced with a chronic illness?

Have you consulted with your tax preparer to optimize deductions relating to increased healthcare costs for this year?

Do you know how the SECURE Act affects your retirement?

FINANCIAL INSTITUTIONS

Do you work with a financial professional?

Do you know when to change your investment strategy (cash, CDs, bonds, stocks, etc.) based on an increase in healthcare costs?

Have you considered if it still makes sense to have accounts at multiple financial institutions versus simplifying or consolidating?

Can family members access and understand your accounts to help when needed?

Do you know your options if asked to pay a higher premium?

Do you know the criteria for submitting a claim?

Are you aware of the actual cost of care compared to your LTCI reimbursement amount?

PLANNING WHERE TO LIVE

Do you plan to stay in the same area, move closer to family, or move to warmer weather?

If you want to age in place in your home, have you had your home assessed by a healthcare professional for livability?

If you are planning to work with an agency to provide help in the home, have you researched the hourly/daily fee?

If you are considering moving to a retirement community, do you have an idea of the services offered and pricing models?

Are you or your loved one in need of 24-hour care?

Are you familiar with all of the senior housing options?

Daily Money Management

Money matters. And money matters can be complicated. Medical bills, insurance invoices, mail, bank statements, and retirement account information can pile up—and something important can easily be missed. But there are professionals who can help.

What is a Daily Money Manager?

Daily Money Managers (DMMs) are financial professionals who handle daily money matters for clients including paying bills, establishing budgets and keeping records. DMMs serve older adults, people with disabilities, busy professionals, high net worth individuals, and small businesses.

DMM services provide value in monitoring medical bills, ensuring that Medicare and other health insurance have paid their share before the client pays any balance due. Additionally, DMM assistance in assembling papers needed for income tax preparation and in documenting medical and charitable contributions often means the client will pay lower taxes each year.

Since Daily Money Managers often work with elderly persons living in their homes, they can provide recommendations to other seniorserving professionals as needed. If they see that a client is in any way “at risk” due to impaired vision, physical limitations, or confusion, they can make referrals to community resources, including care managers, attorneys, and accountants.

Daily Money Managers can help:

 Older adults who need help paying bills and managing accounts

 Individuals with disabilities who need assistance with personal finances

 Victims of identity theft or fraud

 Adult children who are stepping in to help a parent manage finances following a hospitalization or because of declining mental or physical abilities

 Family members who are managing finances following the death of a loved one

 High net worth individuals and small business owners who need help keeping accounts updated or preparing information to file taxes.

How do I find a Daily Money Manager?

Because finances are a highly personal matter, hiring a DMM is an important and individual decision. Referrals from a friend, colleague, or other professional are a good place to start.

The American Association of Daily Money Managers’ website (www. aadmm.com) can also provide valuable information that will help consumers learn more about daily money management and find a reliable DMM. The association represents professionals in the field by providing information and education to members and the public and maintaining a network of dedicated

Digital Discussions

Join our monthly discussion series featuring

Daily Money Managers

Visit positiveagingsourcebook.com to view previous recordings or register for upcoming events.

professionals. The website includes a “Find a DMM” search function that can help consumers find qualified professionals in their area.

Elder Law

What is elder or special needs law?

Legal issues that affect people as they age and people with special needs are growing in number. Our laws and regulations are becoming more complex, and each state has different laws. Actions taken with regard to a single matter may have unintended legal outcomes.

It is important for attorneys working with seniors, people with special needs, and their families to have a broad understanding of the laws that may have an impact on a given situation to avoid future problems. Elder and Special Needs Law encompasses many different fields of law. Some of these include:

• Preservation/transfer of assets seeking to avoid spousal impoverishment when one spouse enters a nursing home

• Medicaid

• Medicare claims and appeals

• Social Security and disability claims and appeals

• Supplemental and long-term health insurance issues

• Tax planning

• Disability planning, including use of durable powers of attorney, living trusts, “living wills” for financial management and health care decisions, and other means of delegating management and decision-making to another in case of incompetency or incapacity

• Access to health care in a managed care environment

• Conservatorships and guardianships

• Estate planning, including planning for the management of one’s estate during life and its disposition on death through the use of trusts, wills and other planning documents

Catherine

Elena Sallitto

Elder Law Attorney (CELA) through the National Elder Law Foundation, one of only seven in Maryland. She is the current President of the MD, DC Chapter of NAELA and an adjunct Professor of Elder Law.

Dalia Alezra graduated in 2021 from University of Baltimore with the hopes of practicing criminal law but quickly found her passion in Elder Law and protecting vulnerable communities. She joined our rm in July 2021.

• Probate and administration of estates

• Administration and management of trusts

• Long-term care placements in nursing homes and life-care communities

• Nursing home issues, including questions of patients’ rights and nursing home quality

• Elder abuse and fraud recovery cases

• Housing issues, including discrimination and home equity conversions

• Age discrimination in employment

• Retirement, including public and private retirement benefits, survivor benefits and pension benefits

• Health law

• Mental health law.

Source: www.naela.org

Catherine Stavely

Dalia Alezra Esquire

Elena Sallitto Esquire, CELA

Find an Elder Law Provider

Use our step-by-step guide:

STEP 1 – KNOW YOUR NEEDS

Organize and outline all the information pertinent to your situation.

If you are calling on behalf of a loved one, make sure that you have as many specific details as possible.

STEP 2 – CALL ATTORNEYS

It is not unusual to speak only to an assistant during an initial call. Here are some questions to ask this person:

Use our list to call some attorneys.

How long has the attorney been in practice?

Does his or her practice emphasize a particular area of law?

How long has he or she been in this field?

What percentage of his or her practice is

devoted to Elder or Special Needs Law?

Is there a fee for the first consultation, and if so how much is it?

Given the nature of your problem, what information should you bring with you to the initial consultation?

STEP 3 – INITIAL CONSULTATION

When you have found a prospective attorney, make an appointment to see him or her. After you have explained your situation, ask:

What will it take to resolve it?

Are there any alternate courses of action?

What are the advantages and disadvantages of each possibility?

How many attorneys are in the office?

Continued on page 52

Understanding Advance Directives

Protecting patient rights

An advance directive is a legal document that details medical and healthcare decisions that should be made on behalf of a patient if they are no longer able to make decisions. The document has two distinct parts.

The first part, sometimes called a living will, ensures that patients receive only the life-prolonging treatments they select. Lifeprolonging treatments are efforts that will not cure a terminal condition but will prolong dying. They include hydration (giving water) and nutrition (giving food) by tube, machines that breathe for you, and other kinds of medical and surgical treatment.

Advance directives also allow patients to name an agent to act as their decision maker if they become incapacitated. This second part of an advance directive is often called a medical power of attorney or a

durable power of attorney for health care. The person named to make decisions is a “health care agent.”

What happens if I cannot give my consent for treatment?

That is where an advance

directive comes in. Adults can sign an advance directive to make their choices about medical treatments known in advance. If you become incapacitated, doctors or other caregivers can use this document to deliver only the medical treatments

The second part of an advance directive is often called a medical power of attorney or a durable power of attorney for health care.

you want. Advance directives also give patients the option to appoint an agent to make decisions for them if needed.

What happens if I cannot make decisions and I have no advance directive?

In Maryland, if you don’t have an advance directive—and later you can’t speak for yourself—usually your next of kin will make health care decisions for you. Even if you want your next of kin to make decisions for you, an advance directive can make things easier for your loved ones by helping to prevent misunderstandings or arguments about your care.

How do I select a health care agent?

A health care agent can be named in an advance directive. This person has the authority to see that doctors and other health care providers give you only the type of care you want. Before naming an agent, be sure to talk with the person and confirm they are willing to accept this responsibility.

Do I need a lawyer to help me make an advance directive?

While you may want to consult an attorney, you do not need one to prepare either type of advance directive.

To make your advance directive valid, it must be signed by you in the presence of two witnesses, who will also sign. If you name a health care agent, make sure that person is not a witness. Maryland law does not require the document to be notarized.

You should give a copy of your advance directive to your doctor, who will keep it in your medical file, and to others you trust to have it available when needed.

How do I get advance directive forms?

To be valid in Maryland, your advance directive does not have to be on any particular form. Three example forms are highlighted below, but many more are available. Consumers should select one that meets their needs and reflects their values.

• National Hospice and Palliative Care Organization (NHPCO)

www.nhpco.org

• Aging with Dignity www.agingwithdignity.org

• Md. Office of the Attorney General

www.marylandattorneygeneral.gov

For additional information, visit www.marylandattorneygeneral.gov

We pride ourselves in giving our clients the personal care and attention they deserve at reasonable rates.

Movement Disorders

Continued from page 41

accessible, treatments for Parkinson’s disease and related disorders have also become more advanced and reliable.

“Parkinson’s is a problem of a chemical being low, and that chemical is dopamine,” Dr. Falconer explained. “These patients are a car driving around, and their tank of gas is empty. The gas we have to give them to fill up their tank is dopamine. It’s very much akin to your type 1 diabetics who need insulin to function.”

Traditional medications for Parkinson’s provided dopamine, but they were unable to provide consistent levels of the chemical. Patients would be left experiencing dopamine highs and lows. For instance, when patients have too much dopamine in their system, they may experience dyskinesia, or uncontrolled, involuntary muscle movements. New medications can deliver dopamine in more predictable and consistent ways— giving patients more symptom relief and fewer side effects, Falconer noted.

If you or a loved has been living with a movement disorder or were recently diagnosed, a specialist can develop an individualized care plan to meet your specific needs. There is no need to rely on outdated therapies or to settle for inadequate symptom management.

Find an Elder Law Provider Use our step-by-step guide:

Continued from page 49

Who will handle the case?

Has that attorney handled matters of this kind in the past?

If a trial may be involved, does the attorney do trial work? If not, who does the trial work? If so, how many trials has he or she handled?

Is that attorney a member of the local bar association, a health advocacy committee, or trust and estates committee?

What is the estimate of the cost to resolve your problem and how long will it take?

STEP 4 – DISCUSSING FEES

There are many different ways of charging fees and each attorney will choose to work differently. Be aware of how your attorney charges. Ask:

Do you bill weekly, monthly, or upon completion of work?

Do you charge by the hour? Are there different hourly rates for work performed by attorneys, paralegals and secretaries?

Is there a flat fee for this service?

Will there be any out-of-pocket expenses (charges for copies, postage, messenger fees, court fees, deposition fees and other such costs)?

Do you require a retainer?

STEP 5 – MAKE IT A GOOD EXPERIENCE

Once you decide to hire an attorney, ask that your arrangement be put in writing. A positive and open relationship between an attorney and a client benefits everyone. The key is communication.

Source: National Academy of Elder Law Attorneys

Have you been told it is illegal to transfer assets within five years of going into a nursing home? False! You have options!

Have you been told by a government agency, hospital discharge planner or nur sing home, if your spouse is in a nursing home you must spend down your resources before being eligible for any assistance? False! You have options!

Has the nursing home told you don’t need an attorney? False! You have options!

Understand Aging Life Care™

Acting as guides and advocates for families

Aging Life Care / geriatric care management is a holistic, clientcentered approach to caring for older adults or others facing ongoing health challenges.

What is an Aging Life Care Professional?

An Aging Life Care Professional™, also known as a geriatric care manager, is a health and human services specialist who acts as a guide and advocate for families who are caring for older relatives or disabled adults. The Aging Life Care Professional is educated and experienced in any of several fields related to aging life care / care management, including, but not limited to gerontology, nursing, social work, psychology or occupational therapy.

The Aging Life Care Professional assists clients in attaining their

maximum functional potential. The individual’s independence is encouraged, while safety and security concerns are also addressed. Aging Life Care Professionals have extensive knowledge about the costs, quality and availability of resources in their communities.

Aging Life Care Professionals are members of the Aging Life Care Association™ (ALCA) and differ from Patient Advocates, Senior Advisors, Senior Navigators and Elder Advocates. ALCA members must meet the stringent education, experience and certification requirements of the organization, and all members are required to adhere to a strict code of ethics and standards of practice.

What Services do Aging Life Care Professionals Provide?

Aging Life Care Professionals

provide guidance to help families ensure quality care and an optimal life for those they love through:

• Assessment and monitoring

• Planning and problem-solving

• Education and advocacy

• Family caregiver coaching

• Long-distance caregiving

Aging Life Care Professionals are engaged to assist in a variety of areas, such as:

• Housing – helping families evaluate and select the appropriate level of housing or residential options.

• Home care services –determining the types of services that are right for a client and assisting the family to engage and monitor those services.

• Medical management –attending doctor appointments; facilitating communication

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Understanding Aging Life Care

Continued from page 55

between doctor, client and family; and if appropriate, monitoring client’s adherence to medical orders and instructions.

• Communication – keeping family members and professionals informed as to the well-being and changing needs of the client.

• Social activities – providing opportunities for the client to engage in social, recreational or cultural activities that enrich quality of life.

• Legal – referring to or consulting with an elder law attorney; providing expert opinions for courts in determining level of care.

• Financial – may include reviewing or overseeing bill paying or consulting with an accountant or client’s Power of Attorney.

• Entitlements – providing information on Federal and state

entitlements; connecting families to local programs.

• Safety and security – monitoring the client at home; recommending technologies to add to security or safety; observing changes and potential risks of exploitation or abuse.

• Long-distance care –coordinating the care of a loved one for families that live at a distance, including crisis management. Local, cost-effective resources are identified and engaged as needed.

A care plan tailored for each individual’s circumstances is prepared after a comprehensive assessment.

How do you know that you need an Aging Life Care Professional?

You may need an Aging Life Care Professional if:

• The person you are caring for has limited or no family support.

• Your family has just become involved with helping the individual and needs direction

about available services.

• The person you are caring for has multiple medical or psychological issues.

• The person you are caring for is unable to live safely in his/her current environment.

• Your family is either “burned out” or confused about care solutions.

• Your family has limited time and/ or expertise in dealing with your loved ones’ chronic care needs.

• Your family is at odds regarding care decisions.

• The person you are caring for is confused about his/her own financial and/or legal situation.

• Your family needs education and/or direction in dealing with behaviors associated with dementia.

• You live at a distance from your loved one.

Thank you to the Aging Life Care Association™ for permission to share this information. You may learn more about Aging Life Care™ at aginglifecare.org.

5 Things an Aging Life Care Professional™ Did Today

by Heidi L. Garvis, BS, CMC® (Certified Care Manager), Aging Life Care

Here’s what an Aging Life Care™ Professional (aka Geriatric Care Manager) did for you today:

1. Listened. She* listened to your concerns and began to assess your short-term and long-term needs with regard to caring for a parent. She heard that your loved one wants to age in place, but the house, the finances and her ability to care for herself has diminished.

2. Asked questions. She asked about important aspects of your life and the life of an aging loved one. How has quality of life diminished? What worries you the most? What happens when you talk about your concerns to your loved one? What motivates him/her? Who has Power of Attorney? What is the medical history? What is the financial picture?

3. Created a mutually agreeable plan of care. The Aging Life Care Professional assessed the risks and needs and created a dynamic plan of care to solve problems and monitor outcomes. She helped you select a home care company. She did a home

safety evaluation and coordinated changes. She tracked medical appointments and made sure medication management was in place. She advised you on senior living communities if desired. She made sure your loved one had purposeful and enjoyable things to do each day.

4. Gathered information and created an emergency file. She put all the pieces of information together (doctors, medications, medical history, do not resuscitate (DNR) order, family contacts, legal contacts and other documents) and told you that she would be there for you and your loved one 24/7 when they go to the doctor or hospital. She was there when you went on vacation, so you could enjoy a break.

5. Became the neutral party. She helped you and your loved one meet common goals. And most importantly, she helped you be the daughter,** instead of a harried, potentially short-tempered caregiver. * Or He

Standards of Practice and Code of Ethics

Aging Life Care Professionals® (also known as geriatric care managers) have varied educational and professional backgrounds with a specialized focus on issues associated with aging and disabilities. Through consultation, assessment, care coordination and advocacy, an Aging Life Care Professional works with clients and families to address these challenges. The Code of Ethics and Standards of Practice were developed to guide the Aging Life Care Professional in his or her daily professional and business practices. The ethical principles at the core of the Code of Ethics are the foundation for the Standards of Practice.

THE CODE OF ETHICS PROVIDES:

Accountability to our Clients

ALCA members recognize diversity in our society and embrace a multi-cultural approach to support the worth, dignity, potential and uniqueness of each client. The Code of Ethics acknowledges the vulnerable population we serve and makes explicit the highest standards of practice.

Accountability to the Public

The Code of Ethics sets a national standard for the professional practice of Aging Life Care™. It defines for the public the ethical responsibilities expected of ALCA’s members and the organization’s role in maintaining

the highest standards of practice and promotion of ethical behavior.

Assistance in Reviewing Complaints

In ALCA’s Peer Review Process the Code of Ethics and Standards of Practice serve as the basis for assessing and resolving ethical or business practice complaints against members in their practice of Aging Life Care.

Education of Aging Life Care Professionals

ALCA recognizes the diversity of the experience and education of its members and the needs of

members for guidance in both their professional and business roles, and thus the Code of Ethics was developed to guide members in each of these roles. It states the core values and principles to current and future members, to the public, and to allied professionals. All members of ALCA are expected to understand and behave in a manner that is consistent with the provisions of the Code of Ethics.

A Framework for Analyzing & Resolving Ethical Dilemmas

The Code of Ethics offers a framework for ethical decision-

Top Row, L-R: Johanna Boyer, Olivia Allen, Sheila Pinto, Linda Hill, Robin Mansfield

Front Row, L-R: (Principals) Leslie Clarke, Melissa Needleman, Alison Carelli

making when conflicts arise in either the practice or the business of Aging Life Care. It assists Aging Life Care Professionals in examining the ethical

issues present in all aspects of their work by identifying what principles need to be considered and how to prioritize them when it is necessary to

make a choice. It asks Aging Life Care Professionals to be aware of their own biases as they seek to resolve ethical dilemmas.

THE CODE: Ethical Principles and Standards of Practice Supporting These Principles

Integrity

An Aging Life Care Professional is honest, diligent, and accountable in the provision of service. An Aging Life Care Professional always acts in a manner that is consistent with the professional values stated in this Code.

Promoting Benefit and Avoiding Harm

An Aging Life Care Professional promotes clients’ interests, values, and welfare in order to maximize benefits and avoid harm. An Aging Life Care Professional is aware of potential conflicts that may arise when balancing the benefits and risks of interventions being considered. An Aging Life Care Professional strives to assure that vulnerable clients’

individual choices are maximized to the greatest extent possible.

Loyalty and Responsibility

An Aging Life Care Professional is trustworthy and dependable in all aspects of both professional and business relationships. An Aging Life Care Professional maintains confidentiality, avoids conflicts of interest, and always pursues the best interest of clients.

Respect for Clients’ Rights and Dignity

An Aging Life Care Professional treats clients with respect, as complete individuals with their own history, narrative, and unique

cultural identity. An Aging Life Care Professional respects the rights of each client, including the right to privacy, and, for the vulnerable client, strives to balance client autonomy with the need for protection and safety.

Justice

An Aging Life Care Professional behaves in a just and fair way in all professional and business relationships. An Aging Life Care Professional does not promote or sanction any form of discrimination such as discrimination based on race, ethnicity, gender, religion, sexual orientation, national origin, disability, or socioeconomic status.

Living with Family Expectations and Boundaries

By Heidi L. Garvis, BS, CMC, Advanced Professional Aging Life Care Manager®

If your family has decided that an older adult needs constant care and that living together is probably the best solution, then you may be wondering why any further discussion is necessary. Even if you think it isn’t, consider taking a few minutes to sit down with your loved-one to answer the following questions. Doing this may help prevent misunderstandings in the future.

1. Will home care still be used to care for a loved one? If not, who will take time from their career (family) to care for an aging parent? What will be the trigger to get professional help?

2. How will this affect lost income?

Will that person be compensated by the family? Who will relieve the primary care provider when they need a break?

3. Is the home accessible: ramps, railings, stair lifts, spacious bathrooms, etc.? Will there need to be modifications/ renovation? How much will the modifications/renovation cost? Who will pay for them?

4. What is the budget for caregiving, room and board, etc.? Will you need to learn about Medicaid Community Based Services? What other services are needed?

5. What training will the primary

caregiver need? Who will pay for the training?

6. If there is dementia, wandering, or severe behavior issues that become unmanageable, how will they be handled?

7. How and who will be educated about dementia? Everyone in the family or only the primary care provider?

8. Will there always be joint (family) meals? How much time will be spent together daily, weekly, etc.?

9. What household space is available (or can be designated) for private, more secluded time for everyone in the family?

10. How will grandparents interact with grandchildren or participate in discipline?

11. Do family members living together agree on the division of duties? Are there conflicts over tasks, duties & expectations?

12. Will the family be willing to or need to hire a professional counselor or mediator to resolve issues?

13. What will the older adult (e.g. grandparent) be able to contribute to the household activities?

14. Do the grandparents have local opportunities to engage with peers (e.g. senior center)?

15. What if an adult child needs to move? Is there a back-up plan?

We all have expectations and boundaries when living together. Communication early on may help set the stage for future conversations and negotiations.

If you find it difficult to come to a consensus, or you need help in exploring living and care options, contact us at 571-488-9396 | info@ caringconsiderations.com

Find an Aging Life Care Professional

Use this checklist to interview professionals:

What is your area of expertise?

How long have you been working with senior clients?

What certifications or licenses do you have?

What are your professional credentials?

What special training have you received?

Can you provide examples of other clients you have worked with who had situations similar to mine?

Do you work with other professionals to provide referrals if needed?

Are you available for emergencies?

What are your fees? (These should be provided to the consumer/responsible party in writing prior to services starting.)

Our

•

•

Can you provide me with references?

What resources will it take to handle this situation?

Are there any alternative courses of action?

What are the advantages and disadvantages of each alternative?

Who will be working with you?

How many professionals may be involved? What about off-hours and backup?

How are fees computed?

How are travel time and mileage handled?

How are services terminated?

How often do you bill?

Are there additional out-of-pocket fees?

What Is Cognitive Engagement And Why Is It Important?

Crossword puzzles are used for cognitive engagement and brain health

By Jeannie Finnegan CDP, Elder Care & Dementia Care Specialist at Stanton Aging Solutions

Many factors affect brain health, and research demonstrates that certain activities appear to slow cognitive decline, including exercise, adequate sleep, social interaction, and cognitive engagement (also called cognitive stimulation). One study found that mentally intact individuals in their 70s and 80s were asked how frequently they participated in six activities that required active cognitive engagement—reading, writing, doing crossword puzzles, playing board or card games, engaging in group discussions, and playing music.

An article from Harvard Health Publishing mentioned the study and said, “In the following five years,

those who placed in the highest third in terms of how often they engaged in mentally stimulating activities were half as likely to develop mild cognitive impairment as those in the lowest third. An earlier study found a similar link between brain-stretching activities and a lower risk of Alzheimer’s.”

We know that in certain respects, the phrase “use-it-or-lose-it” applies to the brain. Cognitive abilities and brain health may weaken with age, illness, or poor habits. Cognitive engagement activities are a great way to defy this deterioration—helping you improve your attention, memory, and overall mental health. And thanks to something called neuroplasticity—the

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What Is Cognitive Engagement

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malleable nature of the brain—we all have an inherent capacity to undertake any new task or learn new things at any age. People of all ages should regularly engage in cognitively stimulating activities for optimal brain

health. Older adults in large numbers are learning new skills, pursuing new hobbies, and going back to college to pursue their interests and achieve their goals.

In addition, cognitive reserve is the brain’s ability to find alternate ways of accomplishing things. The only way to improve how your brain gets things done is to perform new tasks and challenge your brain to

learn something new (a new skill, new vocabulary, etc.) Cognitive enhancement activities can help prevent Alzheimer’s and dementia, and can also help with the management of dementia. Everyone needs cognitive stimulation, including those with dementia, and cognitive enhancement can greatly add to the quality of life for everyone.

Aging Life Care Professionals®The Experts in Aging Well

We are grateful to the Positive Aging Sourcebook for continuing to be a champion for older adults by connecting them to the resources and services they need to thrive as they age. As Aging Life Care Professionals, we provide seniors with a personalized tailored plan that integrates resources and other pertinent professionals into your care plan team. Integrated planning relies upon professionals who understand the health care system and you.

Healthcare and senior care can be confusing, overwhelming, and ambiguous. Our organization of health and human service professionals will provide you with advocacy, guidance, and resources by integrating these services into a meaningful plan designed to optimize your health and wellbeing.

Because many of us have diverse backgrounds, we work in concert with one another to address your concerns across several health care fields. We adhere to a high code of ethics and commitment to the highest standards of care for our clients. We answer only to our clients’ best interest for their best possible quality of life. As the President-Elect of the Mid-Atlantic Chapter, I am proud to serve an organization that has upheld the gold standard of Care Management since 1986. I look forward to the future and to serving the Mid-Atlantic chapter and my community!. Visit us at midatlanticalca.org. We look forward to working with you.

Rebecca Roskey-Brunner

BSN, RN, CEN, CMC President - Elect Aging Life Care™ Association

Heidi

Erin

Elizabeth

Condalisa

Lisa

Jihan

Heather

Stephanie

Heidi

Susan

Julia

Shelle

Brenda

Marie

Susanne

Housing Options

a variety of needs, tastes and budgets

The senior living industry can seem overwhelming, but the important thing to keep in mind is that there is a housing option perfect for every person and every situation. Start here to find it.

What housing options are available and how can they help me?

Life plan communities are also known as continuing care retirement communities. These communities generally feature care options ranging from independent living to longterm nursing care on one campus. Residents can transfer to higher levels of care as needed.

For older adults who want to leave the burdens of home maintenance behind, independent living communities may be the ideal option. In addition to property upkeep, these communities also generally offer 24-hour security and activities to keep residents engaged. Most independent living communities are rental properties, although some do offer the option for residents to purchase units.

Individuals who need assistance with the activities of daily living may want to consider an assisted living community. In addition to daily assistance, these communities also offer activity programs to fit the interests of every resident.

Assisted living communities are an important option for older adults who need some level of help on a daily basis. All of these communities offer standard services including daily meals; supervision; security; and help with the activities of daily living, or ADLs. ADLs can include assistance with bathing, dressing and toileting. Some communities also offer help with medication management; transportation services; and coordination of medical, health and dental treatments.

Finally, whether for a short-term rehabilitation or a long-term medical stay, nursing and rehabilitation

centers are a vital senior living option. Nursing and rehabilitation centers serve as permanent residences for individuals who are too sick or frail to live at home. They are also ideal for short-term stays for individuals who are recovering after a surgery or an illness.

How should I find a housing option?

Use our research. Sourcebook features detailed articles, checklists, featured listings and comprehensive tables in each of our specific housing sections. Use these resources to begin your search for a community that is right for you and your family.

After selecting the type of community that best fits your wants, needs and budget, you should start calling individual properties to request additional information. Most communities can provide detailed brochures, helpful websites and easy-to-understand financial information.

If the thought of moving and downsizing is overwhelming, there are professionals available to help with every step of the process. Please see our moving and downsizing section.

Finding the right community will lead to a happier and healthier life, as well as added peace of mind for family caregivers.

A later-in-life move doesn’t have to be daunting or stressful— especially when you have experienced realtors on your side who are also Certified Senior Housing Professionals™

Certified Senior Downsizing Coaches™. At Capital Senior Solutions, our team is here for you when the time comes to sell your home and downsize. We’ll answer your important questions and prepare you for all of the what-if scenarios to ensure your moving experience is enjoyable and free from exhaustion or stress. Our

Moving and Downsizing

Professional help can make moving easy

Moving can be a daunting task—no matter what your age—but it can be even more overwhelming for older adults who may be leaving a home they have lived in for decades. Luckily, the enormous growth in the senior population has led to the development of a wide variety of professional moving and real estate services designed specifically to help older adults and their families.

Senior Move Managers®, Senior Real Estate Specialists®, and Certified Senior Housing Professionals are just a few of the professionals who are specially trained to help seniors with all the challenges of moving and downsizing.

Senior Move Managers assist older adults and their families with the emotional and physical aspects of relocation. They can also help families who wish to declutter or reorganize a home to better age in place. These professionals provide a multi-faceted approach to the move process, from space planning in the beginning to post-move support and advocacy. By addressing all aspects of the moving process, Senior Move Managers minimize the chaos and stress of moving.

From initial planning to downsizing to the physical aspects of moving, Senior Move Managers create a comprehensive plan that includes selling or disposing of unwanted items and setting up the new residence. Many Senior Move Managers are also movers. Others work closely with a

reputable local moving company to complete that aspect of the job.

Senior Real Estate Specialists are Realtors who are specially trained to manage the sale of a home for consumers over the age of 50. They bring targeted knowledge, senior experience and marketing savvy to each sale. These specialists have extensive knowledge about everything from reverse mortgages and the importance of universal design to the uses of pensions, 401k accounts and IRAs in real estate transactions.

Finally, Certified Senior Housing Professionals (CSHPs) are real estate

assist older adults and their families in the home buying or selling process. CSHPs understand that late-in-life moves can be more complicated and require greater physical and emotional energy than traditional moves. They are trained to help older adults navigate the complexities of moving by addressing their fears, concerns, needs and goals.

The first step in every move process should be to evaluate the current living situation and needs. Then consumers can contact the many local professionals to inquire about services and costs.

Most professionals offer a diverse menu of services, ranging from full service moves to help with particular aspects of moving, buying or selling.

Use the checklist on the following page to interview professionals and carefully document their answers. Using this information, it will be simple to choose the right professional for the job.

While the moving process may never be fun, there is no longer any reason for it to be difficult. Older adults and their loved ones can now let specially trained professionals handle all the details of selling, buying and moving—from cleaning out the cluttered basement to finding the perfect new place for every piece of treasured furniture. With professional help, every move can be a smooth one.

There are a wide variety of professional moving and real estate services designed specifically to help older adults and their families.

Moving & Downsizing for Seniors

FROM START TO FINISH

JK provides comprehensive, stress-free senior relocation services guided by our brand promise of care and respect. With dedicated senior move managers, we ensure peace of mind through 24/7 customer service and secure storage.

Trust us to manage every aspect of your move with care, protection, and personalized solutions.

Special thanks to our partner communities:

• Arbor Terrace Sudley Manor

• Ashby Ponds

• Fairmont Senior Living

• Greenspring Village

• Heritage Hunt

• Kensington Park

• Knollwood

• Landsdowne Woods

• Leisure World

• Regency

• Suffiled Meadows

• Sunrise Senior Living

• The Virginian

• Vinson Hall

• Waltonwood

Handling Your Stuff

Stuff. We’ve all got it. Most of us have too much of it. It’s no surprise that there are now entire industries built around organizing, decluttering, and finding joy from our stuff—or lack of stuff.

For older adults and their families, the topic of handling stuff can become even more challenging as you may be talking about decades—or even generations—of stuff. In fact, one of our most popular discussion topics on the Positive Aging Community platform is “what to do with our stuff.”

A common refrain we hear from individuals who are considering moving or downsizing is “I’m not ready yet.” However, too often that “I’m not ready yet,” actually means “I don’t know how to handle all my stuff.” Even when an individual has a strong desire to move, they must also have a strategy for handling their possessions. Otherwise, they risk becoming overwhelmed—and stuck.

Here are a few common themes and tips for getting started.

Photos, Videos and Storytelling

Take photos or videos of your possessions. Record the stories behind the items and share what they mean to you. Not only is this a good way to share your memories with your loved ones, it is also an opportunity for you to revisit positive memories of treasured items after they have found a new home.

Swedish Death Cleaning

Swedish death cleaning is a wellknown concept in Scandinavian

Talking Stuff

The Positive Aging Community frequently hosts discussions on organizing, downsizing, and moving. Visit positiveagingsourcebook.com and click on “Channels” and “What to Do with Stuff.” Recent discussions included:

● Swedish Death Cleaning

● Chronic Disorganization

● Real-Life Stories About Moving & Downsizing & Senior Living Decisions

● What to do with your “Stuff”?

● What To Do With All Those DIGITAL Photos?

● Tips for Overcoming the Paper Clutter

● What To Do With All Those Photos?

culture. During this process, individuals work on eliminating unnecessary items from their homes, so their loved ones will not be burdened with the task after they pass away. This is an incredible gift to give your family members. If you are preparing to move or just decluttering, address the boxes of papers and stacks of old dishes.

Don’t Walk the Road Alone

There are many professionals that can help with the broad task of

● Overwhelmed by Too Many Photos? You Are Not Alone

● The Stuff About Your Stuff Is Not About Your Stuff

● Solutions to Organize Paperwork

● Who Gets What and How to Divide? Help Avoid Family Conflicts After We Are Gone

● Discussion with TV Show Host Matt Paxton—Hoarders and Legacy List

organizing and downsizing. Senior Move Managers and Professional Organizers are the main professional designations. These professionals have special training and experience to help you through the process of cutting clutter or preparing to move. There are also niche specialties. For instance, there are professionals that specifically focus on helping clients organize photos, since that is one of the main barriers that people face when downsizing.

Cutting Clutter

Advice from an industry veteran

Matt Paxton knows clutter.

After nine seasons on A&E’s popular show Hoarders, Matt is now focusing his attention on moving and downsizing. He is working with PBS on a new series called Legacy List with Matt Paxton. The show captures the emotional trials and triumphs of families downsizing out of their homes, as Matt and his team of expert movers and conservators pack a houseful of memories.

Crisis to Calling

When Matt was just 24, he became the oldest man in his family when his father, stepfather and both grandfathers died in the same year. Matt was sad—and overwhelmed. He had to settle several estates simultaneously. In the midst of this personal crisis, Matt found his calling—helping families find the upside to downsizing.

Legacy List with Matt Paxton focuses on preserving memories instead of keeping stuff. “Whether it is hoarding or downsizing, the message is the same. The stuff is holding us back. The stuff is only important because of the emotional stories that go with it. You have to tell those stories, share those stories, and then you can let the stuff go,” Matt explained.

Digital Discussions

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Getting Started

Whether you are ready to downsize from your long-time family home or just need to clean up a few rooms, you have to deal with your stuff. Matt Paxton offers a few tips for getting started:

Tip #1 : Be Patient. “It took you 50 years to fill the house. You’re not going to clean it in an afternoon,” Matt said. The process of downsizing takes time. Give yourself time.

Tip #2: Address Pictures. Pictures pose a problem for many older adults. There are so many pictures collected over a lifetime. Matt suggests addressing them early in the process by first eliminating all doubles. Next, you should throw out pictures that contain people who you can’t name. Finally, get rid of generic landscape pictures.

Tip #3: Shred. After pictures, paperwork is the item that causes the most challenges for older adults. Matt recommends spending 20 minutes a night shredding old mail and bills.

Tip #4: Start Small. Focus on sorting through a single room or even a single drawer. “I love going through the

junk drawer in the kitchen,” Matt said. “We also find a lot of great stuff in the guest room closet. That’s where good things go to die. Why not start in those areas?”

Tip #5: Give it away. Use Freecycle, Facebook groups, charities, and other options to unload unwanted stuff. Often, the amount of money you would earn selling items is negligible. There is a much larger value to giving something to someone who will actually use it. This is especially true for old furniture and clothes.

Tip #6: Share and receive stories, not stuff. Older adults often struggle when their children or grandchildren don’t want all their furniture and household items. Instead of simply refusing an item, ask about the story behind it. Explain that you don’t have room for the item, but that you will treasure the story. Focusing on stories can make downsizing easier for older adults and their loved ones.

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Life Plan Communities

Offering diverse lifestyle options

Life Plan Communities are properties offering a combination of living options for older adults. These communities offer an active lifestyle for residents, as well as a wide array of amenities and services.

Life Plan Communities were formerly known as Continuing Care Retirement Communities (CCRCs). Following a two-year research and review process, a task force led by LeadingAge and Mather LifeWays, identified a new name for CCRCs that would resonate with the boomer target audience. The new name better reflects the communities and their residents—individuals who are active, engaged and focused on the future.

Living options available at Life Plan Communities may include independent living, assisted living and skilled nursing services. These

different levels of care are all offered on a single campus. Residents have the option to have all their current or future healthcare needs met without ever leaving campus.

Life Plan Communities afford residents endless opportunities to remain active and involved. These communities generally appeal to young, healthy older adults. Amenities vary widely but often include swimming pools, fitness centers, gardening areas, and golf courses or putting greens. Additionally, residents have access to hundreds of clubs and activities—from art classes to yoga classes and from drama clubs to walking groups. Residents are also very involved in the operation and management of Life Plan Communities through resident boards or councils.

Finally, Life Plan Communities are

Life Plan Communities afford residents endless opportunities to remain active and involved.

generally integrated into the larger community. With active residents, these communities can focus on giving back and acting as a socially responsible neighbor.

Life Plan Communities give older adults the freedom and security to live active, healthy lives. They are the perfect option for individuals who want to plan ahead for future care needs, while focusing on enjoying every day.

Before Signing a Contract

1. Consult a financial adviser. Joining a senior living community is a serious investment. Spend time with your trusted financial adviser. “Your biggest pitfall is not understanding how health care, especially Medicare, works in our country,” says Daniel S. Ogus, executive vice president and chief operating officer at be.group. “How much money do you have and how much will you need? Understand what benefits you’re getting from Medicare as well as your retirement packages.”

2. Research the organization and management. The financial stability of the community as well as the continuity of management are two essential factors to vet thoroughly.

3. Understand services covered. Asking about guaranteed services will alleviate many of those “what if ” questions: What if you get dementia?

What if you become debilitated?

Ask management specific questions about what’s covered in your contract beyond care services.

4. Find out how refunds work. Signing a Life Plan Community contract is a big decision—so what if you change your mind?

5. Ask about a benevolence program. Many nonprofit Life Plan Communities offer benevolence programs if a resident exhausts his or her financial resources.

6. Make sure your voice will be heard in the future. Some communities have their own associations, and residents have the right to be represented on boards.

7. Determine what role your family will play. “We can’t share information with children if the resident doesn’t give us permission to do so,” says Ogus. “If a resident has a condition change, we hope he or she will allow us to share with one of their adult children.” Make sure your family understands the financial commitment and how your contract works.

Wally and Louise, enthusiasts

Understand Entrance Fees

Knowing the options when paying for life plan communities

Most life plan communities require payment of a one-time fee, usually called the entrance fee, before moving to the community. The entrance fee amount often depends on the level of care at the time of entry, type of housing chosen (with larger units requiring a larger fee) and agreement type. The entrance fee allows the life plan community to offer lower monthly fees and provide for the future needs of residents. State regulations can impact the terms of the entrance fee and in some states, refunds are called rebates. Entrance fees are typically structured in one of three ways:

DECLINING SCALE REFUNDS , also known as amortizing entrance fees, specify a period of time in which the entrance fee will be refundable to the resident on a declining basis. For example, if an entrance fee under this

arrangement declines at the rate of 1 percent each month, after 6 months 94 percent of the entrance fee is refundable.

PARTIALLY REFUNDABLE entrance fees guarantee a specific percentage of the refund that will be returned within a certain period of time regardless of the term of residency. For example, 50 percent of the entrance fee may be refundable upon termination of the contract or to the estate upon the resident’s death.

FULL REFUNDS offer just that, a full refund of the entrance fee. A fixed charge may be deducted before the refund is made, and the agreement generally states how long the refund is valid and under what conditions a refund is due.

The entrance fee amount often depends on the level of care at the time of entry, type of housing chosen and agreement type.

Entrance fees that offer full refunds are typically more expensive than those without refunds or those that are partially refundable or refundable on a declining basis.

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Understanding Contracts

By Kelly Hagler

You want to move to a senior living community, but that’s just the first of many decisions you’ll need to make. No matter which community you move to, you’ll have to sign a contract that stipulates the services you’ll receive and what you’ll pay—now and down the road.

This guide can help you navigate the different contracts you may encounter as you embark on your search for a new home. Life plan communities, also known as continuing care retirement communities (CCRCs), offer multiple levels of care all on one campus. This setting is generally attractive to seniors who like to plan ahead. Life Plan Communities are most useful for seniors who can come in at the independent living level and move through higher levels of care as needed over time.

1. Type A (Life Care Agreements).

According to the Commission on Accreditation of Rehabilitation Facilities, Type A contracts include overall housing, residential services (amenities) and unlimited healthrelated services. Type A contracts provide a sense of stability, as future costs are much more predictable regardless of any changes in needed services or care. Residents pay a much larger entrance fee compared to other contract types, but the monthly fee is flat through all levels of care.

2. Type B (Modified Agreements).

As with Type A, Type B contracts include housing and residential services. Unlike Type A, Type B does not cover all future health care needs but does offer discounted or waived rates for those services.

While Type B contracts have a

lower entrance fee than Type A, should an increase in care become necessary, it would be the resident’s responsibility to cover costs.

3. Type C (Fee-For-Service Agreements). Like both A and B, Type C contracts cover housing, residential services and health care. “Basically, it’s pay as you go,” says Mark Herrera, vice president of skilled nursing administration and risk management at be.group. Residents pay a smaller entrance fee in the beginning. Then, if you don’t need to use higher levels of care, there is no additional cost to you beyond your monthly service fee for using amenities like transportation or activities. While Type C contracts will save you on up-front costs, the resident risks the potential for large costs down the road if there is a sudden need for care.

Roland

Services for Veterans

Helping those who served

Individuals who have served their country in the armed forces are eligible for a wide array of benefits through the U.S. Department of Veterans Affairs (VA). These benefits include health care services ranging from routine screenings and check-ups to longterm care. Additional benefits are also available for aging Veterans.

Qualification and Enrollment

Any individual who served in the active military, naval or air service and was discharged under any condition other than dishonorable may qualify

for VA health care benefits. Members of the Reserves or National Guard who were called to active duty, other than for training, and completed the full duty requirement may also be eligible for health care.

All Veterans are encouraged to enroll with the VA to determine their eligibility for benefits. Only by enrolling in the VA health care system can Veterans guarantee that comprehensive services will be available when and where they are needed.

The VA’s enrollment system is based on priority groups. Congress

Additional Special Benefits for Veterans

Aid and Attendance Benefit

Veterans and survivors who have been found eligible for a VA pension may also be eligible for Aid and Attendance benefits. VA pensions are only awarded to Veterans and their spouses who meet strict eligibility requirements and whose yearly family income is less than the amount set by Congress for qualification.

Aid and Attendance benefits are paid in addition to the monthly pension. Veterans who are not eligible for a pension cannot receive these benefits. Since this allowance increases the pension amount, some veterans who were not eligible for a basic pension because

of excessive income may be eligible under these rates.

To qualify for Aid and Attendance, Veterans must require the aid of another person to perform the activities of daily living, which include eating, dressing and toileting. Veterans who are bedridden may also be eligible. Patients who are living in a nursing home or who have extremely limited eyesight may qualify as well.

Housebound Benefit

Veterans or their surviving spouses who are confined to their homes because of permanent disability may be eligible for an additional Housebound benefit. The

determines the VA’s funding annually, which impacts the number of Veterans who can be enrolled in the health care program. The VA classifies Veterans into priority groups to ensure that limited funds are provided to higher priority Veterans first. Individuals in lower priority groups often have to pay copays for care and services.

Long-Term Care Benefits

In addition to preventative, health maintenance and emergency care, VA benefits may also provide for longterm care in some instances. Longterm care benefits include assistance that is provided for an extended period of time to help Veterans with everyday tasks and/or provide support for managing an ongoing illness. Longterm care, as defined by the VA, may be provided in a person’s home, a community site, residential setting, or nursing home. Eligibility for services covered by the VA are determined based on a Veteran’s need for ongoing treatment, service availability in their area, financial eligibility, priority group status and insurance coverage. Long-term care services may also be covered though Medicare, Medicaid, insurance or private funds.

Veterans can also call the VA at 844-698-2311.

Housebound benefit is added to the monthly pension amount. Veterans must have already been determined eligible for the pension. Recipients are not eligible to receive both the Aid and Attendance benefits and the Housebound benefits at the same time.

Application Process

Veterans and their families may apply for benefits by submitting the required forms to the Pension Management Center that serves their state or by visiting a local benefit office. Information on centers and offices is available online at www.benefits.va.gov/ benefits .

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Choosing a Community

6 Key Considerations

Financially, emotionally, and from a practical perspective, choosing a continuing care retirement community (CCRC, or “life plan” community) is a big decision. Here at myLifeSite, we strive to provide information and create resources that can help seniors make a more informed decision about whether this particular senior living option is right for them, and if so, which CCRC may be a good fit. After all, this is a choice that will impact your quality of life, health, happiness, and wallet for years to come.

To help make the CCRC decision process a little easier and more manageable, we have simplified the sometimes-overwhelming list of deciding factors into six key areas that consumers should evaluate when considering a CCRC.

Residences and amenities

When looking at a CCRC, among the easier things to assess are the physical campus and the various amenities provided by the community. I recommend you take several tours of the community’s residences, considering different floorplans and features, and then contemplate what is important to you.

Because one of the principal reasons people opt for a CCRC is the continuum of care services they offer, be sure you look at both the independent living residences, as well as the assisted living portion of the community. You want to have confidence that you will feel at home once you are settled into your new surroundings.

There is also an assortment of amenities that will be provided by a CCRC, though these offerings can vary widely from community to community, from basic services to high-end conveniences. You will need to determine which are essential and which, in your opinion, are just niceto-haves.

Some amenities to look for may include: technology that helps residents stay safe as well as keep up with the times; community gardens,

walking trails, and manicured grounds; transportation services and planned excursions; multiple dining options like cafés and bistro-style settings; a fitness center, pool, golf course, and tennis or pickleball courts; and concierge-style services and move-in coordinators.

Contract details

Generally speaking, there are five common types of CCRC contracts offered among communities: Type A (lifecare), Type B (modified), Type C (fee-for-service), Rental, and Equity/ Co-op. And when it comes to entry fees (which almost all CCRCs require), some are refundable and others are not (or are only partly refundable).

Because they aren’t apples-toapples, comparing the cost of these various types of CCRC contracts, especially in different parts of the country, can be challenging. A lifecare contract in Seattle may be substantially more than a fee-forservice contract in Cleveland. Or, suppose one CCRC’s campus and facilities are older and it has fewer amenities than another community.

Bottomline: It is critical that you have a thorough understanding of which contract is right for your particular situation, and which one you are signing.

CCRCs offer numerous attractive services and amenities for those living independently, but let’s keep sight of the primary reason for considering a CCRC: access to a continuum of care services.

Quality of care

CCRCs offer numerous attractive services and amenities for those living independently, but let’s keep sight of the primary reason for considering a CCRC: access to a continuum of care services. You want to be sure that the care services—both assisted living services as well as long-term skilled nursing care services within the on-site healthcare center—will be up to your expectations, should you one day need them.

You will want to do your due diligence research on the care provided by the CCRC, and there are

Continued on page 90

Choosing a Community

Continued from page 88

a number of resources you can and should explore in order to do this. If the CCRC’s healthcare facility is Medicarecertified (as opposed to private pay only), you can check out their Center for Medicare and Medicaid Services (CMS) rating. You also can reach out to your state’s long-term care ombudsman program to see if the CCRC has had any complaints filed.

It’s wise to do some shoe-leather investigating yourself as well by visiting the healthcare center and observing how residents are being cared for, if the facilities appear clean and well-maintained, and if the staff appears to be content. Get some first-hand reviews from the CCRC’s residents to see what their impressions have been of the care they and their fellow residents have received.

Management/Operations

A CCRC is home to its residents, but it is also a business, and like most businesses, CCRCs are usually only as good as their administrators. You want to ensure the CCRC you are considering is well-managed and in good financial standing.

The financial viability of the community is important. Select a community that will be able to provide residents the quality of care and services that they expect and have paid for into the future. Consider consulting with an accountant or

versed in CCRC contracts and finances to ensure you will be getting what you expect and have paid for.

It’s also wise to understand the leadership structure of the community; get a feel for the expertise and experience brought by members of the board, and ask if residents are involved in a leadership capacity.

Financial impact

If you are considering a move to a CCRC, it’s crucial that you understand exactly how it will impact your personal finances in the long-term. Since cost and contract terms vary dramatically, it can be challenging to determine on your own if you will be able to afford the cost of a CCRC over the long-haul, particularly given that different CCRCs offer different types of residency contracts.

If you are comparing multiple communities, you want to be sure you are doing a true comparison of what each will cost, not just today but also in the future, so you can

make an informed decision about which one is right for you.

Lifestyle and wellness

The concept of “lifestyle” relates to the factors that will impact your daily living experience within the community. It makes up the answer to the question, “Will I be happy and comfortable living here?” The CCRC you choose should foster your lifestyle preferences so that you can live the life you want to live.

“Lifestyle” is a highly individualized concept, so the priorities of one person may be different from another person’s, but important lifestylerelated considerations may include aspects such as lifelong learning opportunities, dining choices and meal plan flexibility, community involvement and volunteer opportunities, size and location of the CCRC, and general vitality level of the residents who live there.

CCRCs are also touted for the many wellness benefits they offer their residents. In fact, a recent study

found that CCRC residents are in fact happier and healthier than those who do not live in such a community. From fitness classes to continuing education to nutritious food offerings, a CCRC’s wellness programs should be designed to nurture residents’ minds, bodies, and spirts.

Many communities will allow you to stay on-site for a night or two to get a feel for what it’s like to live there and the lifestyle and wellness opportunities offered by the CCRC.

Making a decision

There are a variety of reasons making the choice to move to a CCRC more complex than most other senior living options. This is a BIG decision; there is no denying that! However, as you explore various CCRCs and consider different contract types, these six key factors above should remain top-of-mind.

Content provided with express written permission from myLifeSite: www.mylifesite.net

Choosing a Life Plan Community

Use this checklist to review options:

PHYSICAL ENVIRONMENT

Is the community clean and well maintained?

Is ample parking available for residents and visitors?

Are exterior maintenance, snow removal and landscaping included in the monthly fees?

Are there multiple floor plans available?

Can residents decorate their cottages, condos or apartments according to their personal tastes?

Is the community pet friendly?

Does the community have safety features, such as handrails and grab bars?

Do individual residences include safety features, such as emergency alert and fire suppression systems?

LEVELS OF CARE

What levels of care does the community offer?

Independent living?

Assisted living?

Skilled nursing care?

Short-term rehabilitation?

Memory care?

Do residents have access to in-home care should it be needed?

RESIDENT AND STAFF INTERACTION

Is the community well staffed overnight?

How does the community handle residents who need additional care and support?

Do staff members undergo screenings and background checks prior to employment?

Are housekeeping and laundry provided?

Are transportation services available?

Do caregivers positively interact with residents?

What is the staff-to-resident ratio for each level of care?

FEES AND COSTS

What services are included in the monthly fee?

What services are available for an additional fee? What are the fees?

How often do resident rate increases occur?

Are there multiple contract options?

Do some contract options offer entrance fee refunds?

DINING SERVICES

Does the dining room look and smell inviting?

Are the dining room tables, chairs and linens in good condition?

Are residents allowed to invite guests for meals?

Can residents select their own meal times, or are there designated meal times?

Are three daily meals, snacks and beverages included in the monthly rate?

Can the community accommodate special dietary needs?

Is there a dietician or nutritionist involved in meal planning?

LOCATION

Is the community conveniently located for friends and family to visit?

Is the community in a safe neighborhood?

Are there shopping, dining and entertainment options near the community?

Is the community near preferred medical providers?

OVERALL IMPRESSION

Does the community look and feel like a place you could call home?

Talk with residents and their family members. What do they like about the community?

Can they recommend it?

Did they consider other options when searching for a community?

Why did they choose this community?

Source: www.whereyoulivematters.org, a senior living resource powered by the American Seniors Housing Association (ASHA)

District of Columbia | Maryland

Virginia | Pennsylvania

What’s your plan?retirement

Create your dream home

Expand your horizons

Discover new passions

Cook only when you want

Your life. Your plan. Your community.

At SpiriTrust Lutheran®’s six Life Plan Communities, with both in-town settings and countryside locales, you can find continued growth opportunities with Spirit360TM, a lifestyle filled with flexibility and choice, a variety of sought-after services, and no maintenance. You’ll also secure a plan for any future care needs. Come discover a place where “planning” and “living” merge and allow for living life to the fullest!

And say goodbye to one of these

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MOST COMMUNITIES ARE 62 AND BETTER

ANNE ARUNDEL COUNTY

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BALTIMORE CITY

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BALTIMORE COUNTY

Cove Point Apartments I: 410-288-2344

Cove Point Apartments II: 410-288-1660

Evergreen Senior Apartments: 410-780-4888

The Greens at English Consul: 410-789-3000

The Greens at Liberty Road: 410-655-1100

The Greens at Logan Field: 410-288-2000

The Greens at Rolling Road: 410-744-9988

Park View at Catonsville: 410-719-9464

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Park View at Rosedale: 410-866-1886

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EASTERN SHORE

Park View at Easton: 410-770-3070

HARFORD COUNTY

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HOWARD COUNTY

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PRINCE GEORGE’S COUNTY

Park View at Bladensburg: 301-699-9785 • 55 & Better

Park View at Laurel: 301-490-1526

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Independent Living Communities

Providing security with no home maintenance

Independent living communities are residential communities for active older adults who want an enjoyable lifestyle free of the worries of home maintenance. They are similar to any apartment, condominium or singlefamily development, except that they provide special services, including security. Most independent living communities are fully secured with staff members greeting and screening all visitors around the clock.

As many individuals at this stage in their lives are looking to pursue new hobbies and interests, the activities and amenities available at a community are a major factor for potential residents. Most independent living communities provide a full range of activities such as shopping trips, outings to cultural events, organized gatherings and an array of clubs. Some communities

also have tennis courts, swimming pools and other amenities.

Independent living communities typically offer a variety of meal plans. Residents also have the option of preparing their own meals.

Most independent living communities do not offer health care services. However, some communities are affiliated with health care facilities that can provide such care when it is needed. Residents also have the option of purchasing home health care services from outside providers.

Most independent living communities are rental communities, but some are condominiums or single-family communities in which residents purchase their units or homes. Costs and services vary widely. In some communities, a monthly fee covers many services, while

Most independent living communities provide a full range of activities.

in others a fee-for-service system is used. A few communities offer subsidies based on strictly defined need. To learn more, contact your local Area Agency on Aging.

Consumers should carefully research the independent living community options in their target areas or neighborhoods. After requesting and reviewing information from communities, prospective residents should plan on-site visits to each community they are considering.

Choosing Independent Living

Use this checklist to review options:

PHYSICAL ENVIRONMENT

Is the community clean and well maintained? Is ample parking available for residents and visitors?

Are exterior maintenance, snow removal and landscaping included in the monthly fees?

Are there multiple floor plans available?

Can residents decorate their cottages, condos or apartments according to their personal tastes?

Is the community pet friendly?

Does the community have safety features, such as handrails and grab bars?

Do individual residences include safety features, such as emergency alert and fire suppression systems?

ACTIVITIES AND PROGRAMS

Are activities scheduled throughout the day and evening?

Are fitness classes offered?

Are there dedicated spaces for resident clubs and informal gatherings?

Does the community offer regular outings to local restaurants, theaters, museums and other destinations?

Are there outdoor spaces available for walking, gardening and recreation?

Are volunteer programs available?

Do the residents appear engaged and energetic?

RESIDENT AND STAFF INTERACTION

Is the community well staffed overnight?

How does the community handle residents who need additional care and support?

Do staff members undergo screenings and background checks prior to employment?

Are housekeeping and laundry provided?

Are transportation services available?

Do caregivers interact with residents in positive ways?

What is the staff-to-resident ratio?

DINING SERVICES

Does the dining room look and smell inviting?

Are the dining room tables, chairs and linens in good condition?

Are residents allowed to invite guests for meals?

Can residents select their own meal times, or are there designated meal times?

Are three daily meals, snacks and beverages included in the monthly rate?

Does the resident committee work with the dining staff to develop menus?

Can the community accommodate special dietary needs?

Is there a dietician or nutritionist involved in meal planning?

LOCATION

Is there public transportation nearby?

Is the community in a safe neighborhood?

Are there shopping, dining and entertainment options near the community?

Is the community near preferred medical providers?

FEES AND COSTS

What services are included in the monthly fee?

What services are available for an additional fee? What are the fees?

How often do resident rate increases occur?

Are subsidies available? How do residents qualify for subsidies? Is there a waiting list?

OVERALL IMPRESSION

Does the community look and feel like a place you could call home?

Talk with residents and their family members. What do they like about the community? Can they recommend it? Did they consider other options when searching for a community?

Affordable Independent Living

What is available and how to qualify

According to LeadingAge, formerly the American Association of Homes and Services for the Aging, a person can rent an apartment either at the market rate or, if his or her income level qualifies, at a lower rate. These apartments are often designed with seniors in mind. For example, there may be railings in bathrooms or power outlets higher up on the wall. Many communities also offer a 24-hour emergency call service and some may also provide different kinds of services such as meals, transportation, social activities and other programs.

The U.S. Department of Housing and Urban Development (HUD) funds several rental assistance programs for seniors who qualify. These programs include public housing or low-income housing that is owned and operated by a local housing authority. To

apply for public housing or Section 8 certificates or vouchers, you must go to your housing authority. Each housing authority has a system for accepting applications. Their

representatives can explain their system and how to find an available apartment.

HUD’s Section 202 program includes apartments where the government provides subsidies directly to owners of qualified properties developed with loans or grants from the federal government. The owners pass along the federal rental assistance subsidy to qualified residents to cover the gap between the resident payment, generally 30 percent of adjusted income, and rent costs.

To apply for housing in a privately-owned affordable housing community, a person will have to visit the management office for each community. Contact your local HUD office to get a list of privately-owned communities near you.

Source: www.aahsa.org/article.aspx?id=3780

The U.S. Department of Housing and Urban Development funds several rental assistance programs for qualified seniors.

DC Metro Region - Maryland

DC Metro Region - Maryland

DC Metro | Central Maryland

Central Maryland

Central Maryland

Central Maryland

Central & Western Maryland

Eastern Shore & Southern Maryland

Assisted Living

Offering needed assistance and rewarding activities

Assisted living communities offer a vital option for older adults who need some assistance with daily living. While the specific amenities will vary, all assisted living communities offer basic services including meals, supervision, security and help with personal care needs. For many residents, the help available at an assisted living community can allow them to continue to live their best life.

In most states, assisted living communities are registered, licensed or certified by an appropriate department or agency of the state that has a process for issuance of initial licenses and for renewing existing licenses. This process provides basic protections for consumers.

Residents of assisted living communities are generally seniors who need some assistance with basic activities, frequently called the

activities of daily living (or ADLs). Some communities may accept residents with Alzheimer’s disease and other

forms of dementia. In fact, some communities may specialize in serving

24/7 on-site licensed nurses and full-time management nurses

Delicious, nutritious meals prepared by our Taste of RUI Executive Chef, served in a restaurant-style setting with tableside beer and wine service

A full life enrichment calendar

LUXE Unlimited – Full service salon and spa

RUI FIT programming and gym

Physical, occupational and speech therapy on-site

Housekeeping and laundry services

Scheduled transportation

All utilities including cable and Wi-Fi

RUI University programming and classroom for continuing education

Leash on Life – pet concierge services

Spacious studios, one bedroom, and two bedrooms many with full kitchens

Residential living, assisted living and Inspiritás – memory care

Assisted Living

Continued from page 114

individuals with specific medical conditions, including dementia. A few communities serve individuals of any age with developmental disabilities. When reviewing assisted living communities, consumers should ask about any specializations the community may have.

The services and activities provided in assisted living communities help to promote the quality of life and independence of the residents. One key offering is 24-hour supervision of the residents and the property. Resident safety and security is a priority at all assisted living communities.

All communities also offer three meals a day in a group dining room. However, dining options can vary dramatically in terms of the meals available and the costs associated with meal plans.

Finally, all assisted living communities offer personal care services, also known

as help with the ADLs. These services include assistance with bathing, dressing and toileting.

Other services and activities available at some assisted living communities include:

• Medication management, or assistance with selfadministration of medicine

• Coordination of services by outside health care providers

• Assistance with arranging medical, health and dental care services

• Social services

• Transportation services

• Outdoor areas for walking or gardening

• Supervision and assistance for persons with Alzheimer’s or other dementias and disabilities

• Recreational and spiritual activities

• Exercise and wellness programs

• Laundry and linen service

• Housekeeping and maintenance

• Individualized services

While assisted living communities

do provide a high level of care, it is important to consider what is not provided at these communities before selecting one. Assisted living communities are a bridge between living at home and living in a nursing home. Assisted living communities do not typically provide the level of continuous skilled nursing care found in nursing homes and hospitals. For instance, if a prospective resident needs constant care, a nursing home may be a more viable option.

There is no set standard for assisted living accommodations. Therefore, options can vary greatly from one assisted living community to the next. For instance, some communities offer private rooms featuring kitchenettes and private bathrooms, while others offer shared units or shared bathrooms. Consumers must consider the prospective resident’s personal needs, financial means and personal preferences before selecting a community.

Source: www.ahcancal.org

Award-winning Model of Care

Pay for Assisted Living

When

Some communities also offer internal financial assistance programs. State and local governments may offer subsidies for rent to those who are income-eligible. Contact the local Area Agency on Aging for more information on subsidies and other payment assistance programs.

Long-term care insurance policies provide another financing option for assisted living. Most of these policies will cover the costs of assisted living. Some of the costs of assisted living are also reimbursable through individual health insurance policies.

While there are other payment options available, the vast majority of assisted living/personal care costs are covered through private payments by residents and families. Individuals should investigate all available payment sources and obtain specific information on standard rates and fees for additional services before choosing an assisted living community.

Financial and insurance experts can provide more detailed information about all the available payment sources.

Let’s Talk Assisted Living.

It’s a conversation we’ve been having with seniors and their families for over 30 years. At Victory Housing, you’ll discover our simple and straight-forward approach to assisted living. From all-inclusive rates to individualized care, our award-winning communities offer the ideal setting to call home. Call or visit us today, let’s talk.

Bartholomew House

Bethesda • 301-320-6151

Byron House

Potomac • 301-469-9400

Grace House

Silver Spring • 301-924-4424

Malta House

Hyattsville • 301-699-8600

Marian Assisted Living

Olney/Brookeville • 301-570-3190

Raphael House

Rockville • 301- 217-9116

www.VictoryHousing.org A Non-Profit Organization

Options for Low-Income Seniors

There are several resources that lowincome older adults and their families should research when looking for housing options in the Washington, D.C. Metropolitan region.

Congregate Housing

Congregate housing is a unique option for low-income older adults who need support services. These multiunit housing options provide private bedrooms and/or apartments and shared living spaces.

Many congregate housing sites offer social activities and services to assist residents. Services vary but can include meals, transportation, housekeeping and building security. Federal Congregate Housing is supported by the U.S. Department of Housing and Urban Development.

Eligible individuals include those who are 62 and older and have very low household incomes (50 percent or less of the area median income). To apply, older adults or their families should contact the individual communities they are interested in.

Wait lists for congregate housing can be extremely long. Most residents wait at least a year. Individuals who are currently living in substandard housing, who have been displaced, or who are paying 50 percent or more of their income in rent will receive preference. Occupants pay a minimal rent that is calculated based on monthly income.

Programs are operated by local Public Housing Authorities (PHAs). To find a PHA in your area, visit www.hud.gov/ program_offices

Maryland Congregate Housing Services Program

The state of Maryland offers an additional state subsidy program to eligible residents of low and moderate income senior housing who, due to advanced age or chronic health conditions, need daily help with activities such as meals, housekeeping and personal services. To be eligible, residents must be 62 years old or older; be physically or mentally impaired; need assistance with one or more of the essential activities of daily living; need one or more of the congregate housing services available in the facility; and be able to function

in the facility if provided with those services.

The Maryland program provides meals; weekly housekeeping of each participant’s apartment; and limited personal assistance with activities such as bathing, dressing and laundry. Costs vary by site.

To qualify, an individual’s income may not exceed 60 percent of the state median income and their assets may not exceed $27,375 for an individual, or $35,587 for a couple.

More information and a complete list of sites is available online: aging. maryland.gov/Pages/congregatehousing.aspx

Government programs and subsidies can help make senior housing options more affordable. Many of these programs also offer meals, housekeeping and other assistance at reduced costs.

Choosing Assisted Living

Use this checklist to review options:

PHYSICAL ENVIRONMENT

Is the community clean and well maintained?

Are there multiple floor plans available?

Can residents decorate their apartments according to their personal tastes?

Is the community pet friendly?

Does the community have safety features, such as handrails and grab bars?

Do individual residences include safety features, such as emergency alert and fire suppression systems?

FEES AND COSTS

What services are included in the monthly fee?

What services are available for an additional fee?

What are the fees?

How often do resident rate increases occur?

How much notice do residents receive prior to a rate increase?

DINING SERVICES

Does the dining room look and smell inviting?

Are the dining room tables, chairs and linens in good condition?

Are three daily meals, snacks and beverages included in the monthly rate?

Does the resident committee work with the dining staff to develop menus?

Can the community accommodate special dietary needs?

RESIDENT AND STAFF INTERACTION

What is the staff-to-resident ratio?

Is the community well staffed overnight?

How does the community handle residents who need additional care and support?

Do residents have access to in-home care if needed?

Do staff members undergo screenings and background checks prior to employment?

Is the staff screened and evaluated for their ability to work with older adults in the assisted living setting?

Does the community have its most recent survey results posted or displayed for families to review?

Are staff trained and retrained at regular intervals?

Are housekeeping and laundry provided?

Are transportation services available?

Do caregivers interact with residents in positive ways?

Do residents appear tidy and well cared for?

ACTIVITIES AND PROGRAMS

Are activities scheduled throughout the day?

Are fitness classes offered?

Are there dedicated spaces for resident clubs and informal gatherings?

Does the community offer regular outings to

local restaurants, theaters, museums and other destinations?

Are there outdoor spaces available for walking, gardening and recreation?

Are volunteer programs available?

Do the residents appear engaged?

LOCATION

Is the community conveniently located for friends and family to visit?

Is the community in a safe neighborhood?

Are there shopping, dining and entertainment options near the community?

Is the community near preferred medical providers?

OVERALL IMPRESSION

Does the community look and feel like a place you could call home?

Talk with residents and their family members.

Source:

Tips for Choosing Assisted Living/Personal Care

1. Make an accurate and honest assessment of your physical, financial, mental and lifestyle needs.

2. Visit as many facilities as you can to get a sense of the choices in your area.

3. Narrow down your selection to the top two or three choices and return to those facilities and ask lots of questions.

4. Ask to review a copy of the Resident Agreement (facility contract).

5. Ask to review the licensing or certification inspection report.

HOUSING ASSISTED LIVING DC Metro Region - Maryland

Eastern

Shore & Southern Maryland

Assisted Living in Virginia

Virginia has specific laws and regulations governing assisted living communities.

According to Virginia laws, licensed assisted living communities can provide two distinct levels of care. Residential Living services provide minimal assistance with the activities of daily living, or ADLs, to older adults who have only minor physical or mental limitations. Assisted Living services include more moderate assistance for residents who may need additional help to maintain their lifestyle. Aides and companions provide assistance with ADLs, as well as help with medications and arrangements for off-site medical services.

Assisted living communities provide residents with three meals and snacks every day. Meals are generally served in a congregate dining room. If a resident is ill, they can be served their meals in their

All assisted living communities in Virginia must have administrators who are responsible for the management of the home.

rooms or in an on-site infirmary.

With the help of volunteers and activity staff, assisted living communities deliver social, recreational, and religious activities for residents. State regulations require that a certain number of hours each week are reserved for social activities among residents.

Many assisted living facilities offer on-site facilities, amenities, and services. Certain services and facilities are typically included in the standard monthly fee that

every resident pays. These include: housekeeping services, laundry services, group and individual transportation services, facility maintenance and groundskeeping, some utilities, and security services. The specific services and amenities that are included should be detailed in the residential contract. Residents and their loved ones should carefully review the contract before signing.

To meet state requirements, all assisted living communities in Virginia must have administrators who are responsible for the management of the home. They must also have aides and companions who provide direct assistance with ADLs to residents, maintenance and housekeeping staff, food service personnel, and activity planners.

More information about Virginia requirements and resident’s rights and responsibilities is available at vhi.org.

Get Involved and Reap Rewards

Volunteering helps residents, families and communities

Most parents are involved to some degree in the parent teacher organizations at their children’s schools. The same concept applies for senior living. When your loved one moves to a retirement community, you should make it a priority to become a part of that community. Volunteering is a great way to get involved. Give freely of your time and your talents, and you and your loved one will certainly reap the rewards.

Much like schools, senior living communities welcome volunteers from the larger community. They are especially keen to get residents’ family members involved. Volunteers often engage in friendly visiting or help out with special events or fundraising activities. Some volunteers lead discussion groups, accompany residents for walks or share a special

Continued on page 138

Boutique Senior Living with Great Falls at its Heart

Is It Time?

Get Involved

Continued from page 136

talent. Most communities are open to ideas for potential volunteer assistance.

Benefits for Residents

According to “The Benefits of Volunteering at a Senior Living Community,” by Marissa Salvesen, volunteers are essential to the operation of senior living communities and the well being of residents. “Volunteers can offer much-needed time and assistance, such as helping a resident organize a closet, writing cards or notes, or recording a resident’s life story; all tasks that can help families with the responsibilities of caregiving, providing them peace of mind,” Salvesen explained. Family volunteers are particularly beneficial because they are familiar with the challenges that residents might face. By giving just a few hours of time, family members can help their loved one and other residents.

Becoming a part of your loved one’s senior living community will help your loved one adjust quicker to their environment and feel more connected. Adding a regular volunteer shift to your schedule will let your loved one know that you are committed to their community and enjoy spending time with their friends.

Benefits for Families

Volunteering at your loved one’s senior living community will help the entire family feel more connected to your older relative and their home. In addition, volunteers gain valuable experience with caregiving and learn a lot about life and our country’s shared history. Finally, family members who volunteer will gain greater peace of mind, knowing that their loved one is in a positive environment.

Young adults and even children should also be involved in volunteering at a loved one’s community. Volunteering will help young people stay connected with their older

When your loved one moves to a retirement community, you should make it a priority to become a part of that community. Volunteering is a great way to get involved.

relatives and form relationships with other older adults. Younger volunteers will learn the importance of giving back and gain an understanding of different generations.

Whether your loved one is preparing to move, or has been a senior living resident for decades, it is never too early or too late to get involved. Contact your loved one’s community today to ask about volunteer opportunities.

Care services and community amenities are included in our monthly care fees. Also, unlike many other communities, we do not require a large entrance fee.

Full Kitchens in Every Apartment

Residents love the convenience of their own full kitchen—including a stove, oven, sink, fridge, and plenty of cabinet space.

Continuing Care Fund

Rainy days happen. The Continuing Care Fund supports residents in financial need so that no one ever has to leave Chesterbrook due to an inability to pay.

Amazing Volunteers

Local students, families, retirees, and members of our three founding congregations make up our diverse and multi-talented volunteer base.

These are just a few of the things that make Chesterbrook such a unique place to live. Schedule your tour today and discover more wonderful things to love!

Find Local Resources

The National Aging Network, headed by the Administration on Aging, includes 56 state Agencies on Aging, 622 Area Agencies on Aging, and more than 260 Native American aging programs. All individuals age 60 and older are eligible for services through this network. Most services are delivered on the local level by Area Agencies on Aging (AAAs).

AAAs are public or private nonprofit agencies designated by a state to address the needs and concerns of all older persons at the regional and local levels. AAAs operate in specific service areas that may include a city, county, or multicounty districts. AAA is a general

term—names of local AAAs may vary.

AAAs coordinate and offer services that help older adults remain in their homes or stay engaged in the community. Services vary widely, but a list of typical offerings is included below. By making a range of supports available, AAAs make it possible for older individuals to choose the services and living arrangements that suit them best.

To help individuals find services, the federal government established the Eldercare Locator. The Eldercare Locator is a nationwide service that connects older Americans and their caregivers with trustworthy local

support resources.

Older adults and caregivers should tap into these federal, state and local resources to get the help they need to age well or to care for an aging loved one.

At Tall Oaks, you can worry less and enjoy more. More energy for morning walks. More interactions with friends. More time to do what you love. And more space in which to do it!

Lounge on the back patio, dine with friends in the café, watch a movie in our theater, or make an appointment in our newly renovated beauty salon. Plus, care is available 24 hours a day. And it’s all just steps away from your spacious apartment.

Whatever you enjoy, you can embrace retirement knowing that you are—truly and happily—at home.

We look forward to helping you choose your new Tall Oaks apartment. Call 703-834-9800 today to schedule your visit!

Did

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Services Provided by Area Agencies on Aging (AAAs)

• Adult Day Care is available for individuals who need daytime supervision.

• Case Management Services are conducted by professionals who can assess needs and arrange for services to encourage continued independence.

• Elder Abuse Prevention Programs provide investigative services and intervention in cases of abuse.

• Financial Assistance and benefit counseling is conducted by professionals.

• Home Health Services provide needed care in the home environment.

• Home Repair Programs help older adults complete needed repairs to avoid major problems.

• Home Modification Programs provide renovations to make the home safer and more secure for individuals who choose to age in place.

• Legal Assistance is available for individuals aged 60 and older with legal problems involving government benefits, tenant rights and consumer issues.

• Nutrition Services Programs provide home delivered meals to homebound individuals and congregate meals in specified locations in the community.

• Respite Care provides caregivers with a much needed break from the constant care and supervision of their elderly loved one.

• Senior Centers offer educational, recreational and social activities for older adults.

• Transportation Programs can provide doorto-door transit for individuals who do not have private transportation and/or cannot use public transportation.

To find services near you, visit n4a.org.

JOYFUL, ENGAGED SENIOR LIVING

Three homes in Mclean, Arlington and Falls Church where residents are valued for their wisdom and experiences, and are cared for with deep respect and love, in communities that foster purpose and joy.

FAMILY MATTERS

because nobody can care for your family like our family

TheGardensAtFairOaks.com

When it comes to choosing an assisted living community for someone you care about, the most important question you’ll ask yourself is “how well will they be cared for?”

As a family owned and operated assisted living community that also offers memory care, respite care stays and adult day care, we cannot overstate the importance of the relationships we’ve forged during the past 23 years. At The Gardens, we never take for granted the trust that each family puts into our family. From 24-hour nursing care to enriching social activities and fine dining, we are honored to care for your loved ones as if they were our own. Because to us, they are.

To arrange a private tour or to learn more about our acclaimed assisted living, memory care, respite care stays or adult day care, call 703-952-5476 or visit TheGardensAtFairOaks.com

Nursing & Rehabilitation

Specialized care for individuals who need daily assistance

At a nursing care center, care is administered by professionals under the direction of a physician. Many facilities also offer sub-acute, respite, rehabilitation and other short-term care. Rehabilitation services can be especially helpful for individuals who are recovering from surgery, an illness or any other life-changing event.

Who is Nursing Care for?

These communities serve as permanent residences for individuals

who are too sick or frail to live at home, or as temporary facilities during a recovery period. Some residents enter a nursing care center for a short-term stay after a surgery or illness, while others enter on a more permanent basis.

Who Pays for Nursing Care?

Medicare, Medicaid, private insurance and personal assets are all used under various circumstances to pay for services in a nursing care facility. If a facility is not certified by

Medicare and Medicaid, the care will have to be paid for entirely with personal funds.

In general, Medicare pays for skilled nursing care following hospitalization for the same illness or condition at 100 percent of the cost for days 1 – 20. Some long-term care insurance pays for nursing care centers; insurance payments are usually a fixed amount for a specified number of qualified days.

The basic daily rate is the standard charge the nursing care center

Paying for Nursing Home Care

Nursing home care can be expensive. There are many ways you can pay for nursing home care. For example, you can use your own money, you may be able to get help from your state, or you may use longterm care insurance.

Most people who enter nursing homes begin by paying for their care out-of-pocket. As you use your resources (like bank accounts and stocks) over a period of time, you may eventually become eligible for Medicaid.

Will Medicare pay for nursing home care?

Medicare generally doesn’t cover long-term care stays in a nursing home. Even if it doesn’t cover nursing home care, you’ll need health coverage for hospital care, doctor services, and medical supplies while you’re in the nursing home.

Part A covers skilled care provided in a skilled nursing facility (SNF) under certain conditions for a limited time. Skilled care is nursing and therapy care that can only be safely and effectively performed by, or under the supervision of, professionals or technical personnel. It’s health care given when you need skilled nursing or skilled therapies

to treat, manage, and observe your condition, and evaluate your care.

Medicare covers certain daily skilled care services on a short-term basis (up to 100 days in a benefit period). For more information on Medicare’s coverage of SNF care, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

Personal resources

You can use your personal money and savings to pay for nursing home care. Some insurance companies let you use your life insurance policy to pay for long-term care. Ask your insurance agent how this works.

Important: Be sure to get help before using either of these options. There are important issues you need to understand.

Help from your state (Medicaid)

Medicaid is a joint federal and state program that helps with medical costs for some people with limited income and resources. Most health care costs are covered if you qualify for both Medicare and Medicaid. Most, but not all, nursing homes accept Medicaid payment. Even if you pay out-of-pocket or with longterm care insurance, you eventually may “spend down” your assets while

you’re at the nursing home, so it’s good to know whether the home will accept Medicaid.

Check with the nursing home to see if they accept people with Medicaid. Medicaid programs vary from state to state. Most often, eligibility is based on your income and personal resources. Many states have higher Medicaid income limits for nursing home residents. You may be eligible for Medicaid coverage in a nursing home even if you haven’t qualified for other Medicaid services in the past.

Sometimes you won’t be eligible for Medicaid until you’ve spent some of your personal resources on health care. Generally, even if you’re eligible for Medicaid, all of your income (except for a monthly personal needs allowance and amounts considered necessary to support your spouse and family living in the community) will go to pay your nursing home expenses and Medicaid will cover the rest. To get more information on Medicaid eligibility in your state, call your local Medicaid office.

Information excerpted from a Centers for Medicare & Medicaid Services publication. More information is available online at medicare.gov.

bills to all residents, which covers the fundamental services every resident receives, including rent for the room, housekeeping, meals and general nursing care. It is important to understand all the services and amenities that are not included in the basic daily rate.

What to Look for in Nursing Care

Before choosing a community, contact the Long-Term Care Ombudsman Program of your Area Agency on Aging. Ombudsman programs promote the highest quality of life and care for residents of nursing facilities and can help families and staff with inquiries and complaints.

Central Maryland

Central Maryland

Central & Western Maryland

Western & Eastern Shore Maryland

Dedicated

24/7

Engaging

What Makes Arden Courts Unique?

MEMORY CARE IS ALL WE DO

Safe

Arden Courts provides success-oriented programs for all levels of dementia to maximize independence, self-esteem and social engagement.

For additional information or tour, contact:

Maryland Locations

4301 Knowles Avenue Kensington, MD 20895

301-493-7881

10718 Potomac Tennis Lane Potomac, MD 20854 301-983-3620

2505 Musgrove Road Silver Spring, MD 20904 301-847-3051

*Information based on internal research

*Images taken prior to mask requirement.

8909 Reisterstown Road Pikesville, MD 21208 410-415-5600

8101 Bellona Avenue Towson, MD 21204 410-847-9400

Northern Virginia Locations

7104 Braddock Road Annandale, VA 22003 703-256-0882

12469 Lee Jackson Mem Hwy Fairfax, VA 22033 703-383-0060

arden-courts.org

Mind your Memory

Check, test, prevent, and treat cognitive decline

You only get one. Brain, that is. That is why brain health is so essential for healthy aging.

Whether you are concerned about a loved one who is frequently forgetting things or noticing a change in your own memory, it’s important to take proactive steps to care for your brain.

Below are some simple steps everyone can take to protect their memories and enrich their brains.

1. Check – Often, individuals or loved ones may notice subtle signs of cognitive decline long before they mention the problem or seek medical attention. “There is typically a two-tofour-year gap between when a person notices cognitive problems and when they talk to a doctor,” explained Dr. William Mansbach, CEO and founder of Mansbach Health Tools, LLC and CEO of CounterPoint Health Services.

Continued on page 160

Mind Your Memory

Continued from page 159

“That is a lot of lost time—time that could have been spent seeking treatments and preventing further decline.”

If you feel like your memory is failing, or if you are noticing that mom is repeating herself and forgetting everyday tasks, don’t wait. Take action. Talk to a primary care physician. Start taking notes when you notice memory lapses. There are tools available to help you quantify what you think you are experiencing. Use them.

2. Test, Level 1 – One of the most powerful, reliable ways to evaluate your memory is an online screening tool called myMemCheck®. The tool is backed by science and has been peerreviewed. It is the best cognitive selfassessment available to consumers. If a loved one is not computer savvy, you can assist them with taking the

online test. The free tool is available at enrichvisits.com

Test results are emailed and can be shared with loved ones or primary care physicians. If the test shows signs of memory decline, the results will suggest a follow-up conversation with a doctor. Sharing the report with the doctor is a good place to start the conversation about memory loss.

It is essential that individuals consult with a medical professional after receiving results that indicate a potential problem from myMemCheck®. Sometimes what may look like a memory issue at first could be a physical problem like a urinary tract infection or a reaction to a medication, or a mental health issue like anxiety or depression, noted Dr. Mansbach. Also, because of the difficulty finding and scheduling an appointment with a neurologist or neuropsychologist who specializes in memory loss, patients should always start with their primary care physician.

3. Test, Level 2 - If a self-screener

indicates concern, or if you or a loved one would like to start with more advanced testing, there are also inperson and virtual professional tests available.

One of the most dependable virtual tests uses the BCAT® (Brief Cognitive Assessment Tool) to provide a comprehensive assessment of brain health in less than 30 minutes. The BCAT is not a screening tool, it is actually a cognitive test—making it much more detailed and accurate.

A live specialist guides patients through the test. Video visits are readily available and easy to schedule—making them preferable to an in-person visit for many people. Following the assessment, patients receive a detailed report that they can share with other medical professionals and use to make brain-healthy lifestyle choices.

Results from the BCAT® can tell people with approximately 95 percent probability if they have normal cognition, mild cognitive impairment or dementia. The test

Continued on page 165

Choosing a Memory Care Community

Use this checklist to review options:

STEP 1 – Call Communities and Ask Questions

Are families encouraged to participate in care planning?

Do staff members communicate openly with families?

Are families informed of changes in the resident’s condition or care needs?

Is personal care and assistance provided?

Is medical care provided?

Is care personalized to meet specific resident needs, abilities and interests?

Is the staff specifically trained in dementia care?

Is there a physician and/or nurse practitioner on the premises and a registered nurse on site at all times?

What is the ratio of residents to staff?

Is staff equipped to handle challenging behaviors?

Are planned activities scheduled, and do they

actually take place?

Are activities designed to meet specific needs, interests and abilities of residents?

Are activities available on the weekends or in the evenings?

Is transportation available for medical appointments or personal shopping?

Is physical, occupational, speech and recreational therapy available?

STEP 2 – Visit Communities and Observe

Do residents appear comfortable, relaxed and involved in activities?

Are residents well groomed, clean and dressed appropriately?

What is the rate of falls for residents?

Is the facility free of unpleasant odors?

Is there indoor space available for residents to move around freely?

Maryland & Virginia

Mind Your Memory

Continued from page 160

can also predict whether individuals will be able to live independently, or if they will need assistance with certain tasks. This information is vital for both patients and families as they work to plan ahead for the future. Go to enrichvisits.com to learn more or schedule.

If a patient wants a thorough, in-person evaluation, they can visit a geriatric psychiatrist or neuropsychologist. While it can be difficult to locate specialists and get on their schedule, there are options available. In the Mid-Atlantic region, individuals can visit local offices like CounterPoint Health Services that can offer in-person evaluations (counterpointhealthservices.com).

4. Prevent – Prevention is ALWAYS the best medicine, but how do you prevent cognitive decline? The answer is simple, but the implementation is hard.

“I always tell people to move their bodies, work their minds and to be social,” said Dr. Mansbach. “It’s pretty straightforward.” He also emphasized that there are proven tools to enhance memory and cognition, especially working memory exercises. Maintaining a healthy weight and keeping blood pressure in check are also essential to a healthy brain as you age.

There are lots of free tools available online to help individuals exercise their brains. The ENRICH® brain health website also hosts a free online calculator that helps individuals evaluate if they are taking the right steps now to avoid dementia later. It is available at enrichvisits.com.

5. Treat – The first step in any treatment

plan should be assessment. Whether it is a free, online self-assessment, a virtual professional assessment, or an in-person specialist visit, if you or a loved one is experiencing any of the signs or symptoms of dementia or cognitive impairment, you should consider an assessment. The only way to treat any type of cognitive impairment is under the care and supervision of a medical professional.

Armed with your assessment, seek out help first from your primary care physician and then from a specialist as needed. There are promising treatment protocols available to help treat and slow the progression of cognitive decline and dementia. Don’t wait for years. Act now to protect the vital organ that is you—your brain.

For more information and to access the tools discussed, please visit enrichvisits.com.

Hospice Care

Improving the quality of life remaining

A patient and family may turn to hospice care when the goals of patient care have switched from curing to comforting. Hospice involves a special system of supportive services, including pain and symptom management, social services, and emotional and spiritual support. Any individual of any age with a diagnosis of a terminal disease may turn to hospice.

How Do I Receive Hospice Care?

Medicare, Medicaid or private insurance generally require a prognosis of six months or less for services to be covered.

In addition to traditional medical hospices, there is a non-medical hospice program in Montgomery County that offers support for patients with a year’s prognosis or less who may choose to continue their curative treatments.

managing the symptoms within the home becomes impossible, hospice providers can offer short-term inpatient care.

Hospice is unique in that care and support are provided to the entire family, not just the patient. A team of skilled professionals and volunteers work to serve the special needs of everyone involved.

Choice is at the center of the hospice approach — a person faced with a life-limiting illness is encouraged to remain in control of his or her life.

"Words cannot express how grateful our family is to you for your kind, loving, compassionate care to our father and us in our time of need."

-A Grateful Family

As care is usually provided in one’s home, many hospice patients live out their lives in the comfort of familiar daily routines, surrounded by their treasured possessions along with family and friends.

However, hospice services may also be provided in long-term care facilities or in-patient hospice residential settings.

What Services are Provided?

Hospice team members focus primarily on managing the patient’s pain and symptoms with medication, medical supplies and equipment. Other services, such as speech and physical therapy, are available if necessary.

If managing the symptoms within the home becomes impossible, hospice providers can offer shortterm inpatient care.

While family members learn how to properly care for the patient, information and support is also available to help everyone deal with the emotional, psychosocial and

spiritual aspects of dying. Surviving loved ones will receive bereavement care and counseling from the hospice professionals.

How Do I Pay for Hospice?

Most services are fully or partially covered by Medicare, Medicaid, private insurers or prepaid health plans. The non-medical services available in Montgomery County are free and delivered by a staff of trained volunteers. For traditional hospice services, financial

assistance is available.

The National Hospice and Palliative Care Organization notes that, “Eighty percent of people who use hospice care are over the age of 65, and are thus entitled to the services offered by the Medicare Hospice Benefit. This benefit covers virtually all aspects of hospice care with little out-of-pocket expense.”

To receive the Medicare Hospice Benefit, patients must be eligible for Medicare Part A, have a terminal disease or condition with a less than

six months prognosis, and sign a document certifying that they are choosing hospice care instead of routine Medicare benefits.

Patients may only receive covered benefits from a Medicare-approved hospice program. In addition to Medicare’s coverage, hospice services are also generally covered by Medicaid or private insurers.

For more information, see www.caringinfo. org or the information on hospice care at www.cancer.org .

Aging in Place Options

Choices for remaining at home

Never want to move? Want to receive the care and support you need in the home you love? Whether you are committed to remaining in your long-time family home or an amenity rich apartment community, there are plenty of options for aging in place. Start here to find them all.

What aging in place options are available and how can they help me?

Home care is a large and diverse field. The basic home care options include companion care, home healthcare and skilled nursing care

Companion caregivers serve as surrogate family members and may offer assistance including meal preparation, medication reminders, light housekeeping, transportation and help with exercising.

Home healthcare providers help older adults perform the activities of daily living they are no longer able to complete alone. These may include bathing, dressing, transferring, eating and toileting. Home healthcare providers may also offer some companion care services.

Skilled nursing services are prescribed by a physician and delivered by a registered nurse. This type of care may include administering injections or medications, wound care, catheter care, respiratory therapy, or other medical tasks.

Adult day care centers offer a variety of programs and amenities for older adults who need care and social opportunities during the day. Many providers offer assistance with the activities of daily living including eating, walking, toileting and medication management. They also generally offer a diverse schedule of activities including exercise programs.

Villages are communities where residents work together to afford older adults the opportunity to remain in their homes as they age. Older adults receive volunteer support that allows them to maintain their independence. All residents benefit from

 Aging in place options include home care and adult day care.

 Home care providers are available to help older adults who want to age in place. Care options range from occasional companion care to full-time skilled nursing care.

enhanced multigenerational social connections.

Shepherd’s Centers of America promote aging well in the community by providing lifelong learning, volunteer service, healthy living, and community engagement opportunities for older adults. There are currently 55 community-based Shepherd’s Centers in 17 states, including five in Northern Virginia.

How should I find an aging in place provider?

Use our research. Sourcebook features detailed articles, checklists,

featured listings and comprehensive tables in each of our specific aging in place sections. Use these resources to begin your search for a provider or option that is right for you and your family.

After selecting the type of provider that best fits your wants, needs and budget, you should start calling individual companies to request additional information. Most providers can offer detailed brochures and easyto-understand financial information.

Given all the options available, older adults and their families can easily age in the place they love—home.

What is a Village?

A Village is a community or group of people who want to live in their own homes as they get older, with all the resources needed to live active lives. A village provides many of the benefits of a traditional retirement community—all in the comfort of the family home.

Village residents maintain their independence, their friendships and multigenerational community connections. Because they work together to ensure each other’s continued health and safety, residents are able to live long, full lives in their homes.

What Does the Village Offer?

Villages offer volunteer help to their members. Volunteers provide transportation to medical appointments, grocery delivery, and other specialized services as needed. Volunteers may also help with simple tasks at home.

Examples include small repairs, changing light bulbs, providing cooked meals to a sick neighbor, or offering assistance with laundry for someone

who was just released from the hospital.

Villages focus on building social connections. There are organized events, large and small, that are of interest to the community. Villages may organize book clubs, walking groups, knitting clubs, guest speaker events, group outings and so much more. Many Village events take place at a neighbor’s home; others take place at a local church, synagogue, mosque, library or community recreation center. Villages often

Villages provide intergenerational connections and vital support for older residents.

partner with other local organizations to develop programs together.

Who Creates the Village?

Villages are created by residents of the community. The residents are people who have a vision for an improved quality of life for all. Every new Village starts with a vision and with a dedicated core of individuals ready and willing to make that vision a reality.

For more information, visit wavevillages. org or Village to Village Network - National Network: vtvnetwork.org

East

Friendship

Greater

Little

Rockville

Don’t walk the road alone. Find professional resources who can help you. (p. 40)

Safe and Accessible Homes

Creating home environments that promote aging in place

According to 2018 Home and Community Preferences: A National Survey of Adults Age 18-Plus by AARP, 3 out of 4 adults age 50 and older want to stay in their homes and communities as they age. However, older adults are painfully aware of the challenges that come with aging in place. In the same study, only 59 percent of respondents anticipated being able to stay in their communities.

Unfortunately, more than half of Americans (52%) age 65 plus will need long-term care in their lifetimes, according to investment research firm Morningstar. Otherwise healthy older adults often need help recovering after a major illness or a fall. In fact, falls are the most frequent cause of injury for older adults and often lead to increased care needs. A 2015 study published in the Journal of the American Medical Association showed that about a third of older adults fall each year—and the number of falls is steadily rising.

If older adults plan to successfully age in place, they must plan ahead to improve the safety and function of their home environment.

Fortunately, there are a wealth of providers dedicated to helping older adults age in place. From home modification companies to emergency response services, there are professionals who can help older adults live in their homes for a lifetime.

Use this section to plan ahead.

Continued on page 172

Certified Aging-in-Place Specialists

Certified Agingin-Place Specialists (CAPS) are professionals who are knowledgeable about home modifications to facilitate aging in place. They are familiar with common remodeling projects and can offer solutions to the common barriers to remaining at home.

To find a Certified Aging-in-Place Specialist in your area, call the National Association of Home Builders at 800-368-5242 or use the “Find a Certified Aging-in-Place Specialist” tool at nahb.org

Safe at Home

The DC Safe at Home Program provides safety adaptations in and around the homes of qualifying seniors and adults with disabilities. Intended to reduce the risk of falls, these adaptations include handrails, grab bars, shower seats, bathtub cutouts, furniture risers and chair lifts.

To be eligible, residents must be homeowners or renters of a property used as a primary residence and have an annual household income at or below 80 percent of Area Median Income. Additional requirements may apply.

For more information, call 202-724-5626 or visit dcoa.dc.gov/safe-home

Continued from page 171

Occupational Therapists

As licensed health professionals, Occupational Therapists (OTs) help older adults find the supports they need to maximize health, safety and independence in the home environment. After performing an in-home assessment and identifying daily routines, OTs can make recommendations that will enhance both the function and safety of the home.

To learn more about occupational therapists, visit AOTA.org.

Test Your Home’s Health

1. Is there a step-free entrance into your home?

2. Is there a bedroom, full bath and kitchen on the main level?

3. Are the interior doorways at least 36” wide?

4. Are the kitchen cabinets and shelves easy for you to reach?

5. Are there secure handrails on both sides of the stairs?

6. Are your staircases and hallways well lighted?

7. Do all of your area rugs have non-slip grips to prevent tripping or slipping?

8. Do you have a shower with a step-free entry?

9. Are there nonslip strips or nonslip mats in the bathtub and/or shower?

10. Is there “blocking” (e.g. a wood stud or other solid surface) behind the bathroom walls, so grab bars can be securely installed in the bathtub, shower and toilet areas?

Excerpted from AARP’s HomeFit Guide: www.aarp.org/livablecommunities/housing/info-2020/homefit-guide

ARE YOU SAFE AT HOME?

We provide individualized design recommendations — from an Occupational Therapist’s perspective — tailored to your specific needs, goals and aesthetics. Our knowledge of disease processes, healthy aging and current design and product solutions can help you modify your home for today and anticipate your needs for the future.

www.accessiblehomesolutions.com

Photo credit: Live in Place

Grab bars reduce fall risks and can be seamlessly integrated into any design.

A

Technology to Promote Independence

Smart home technology can make aging in place safe and easy.

• Digital voice assistants (like Amazon Echo) can offer simple improvements to everyday environments. For older adults with vision impairment, the speakers allow users to access audio books, so they can easily “read.” The devices can also play a wide variety of music and games, offering a remedy for both loneliness and boredom. Finally, speakers can be programmed to control thermostats, lights and security features.

• Video doorbells and in-home cameras allow adult children and other caregivers at a distance to monitor the movements and safety of older adults who are living alone.

• Personal Emergency Response Systems (PERS) keep older adults connected to emergency call centers that are monitored 24 hours a day by using a small transmitter that can be worn around the neck or on a belt.

Consumers can purchase, rent or lease a PERS. When purchasing a PERS, consumers will typically pay a one-time installation fee, as well as a monthly monitoring charge. For rentals, fees generally include use of the equipment and the monitoring service.

Stairchairs can be adapted to provide assistance on the most challenging stairways. Whether your staircase is steep, curved, narrow or awkward, professional installers can find a way to make your second floor accessible.

entryways are

since they control access to the house. Ramps, covered entryways, wider doorways, exterior lighting and key less locks can be used to make access easier.

Photo credit: Strategies for independent living

Make Your Home Safer

Do not wait for an accident or an emergency to make sure your home is a safe place to age in place. With just a few simple changes, you can make your home safer and more comfortable. Best of all, you can help ensure your independence.

Tip #1: Don’t use area rugs and check that all carpets are fixed firmly to the floor.

Falls are a major risk for older adults. Often, a simple fall can lead to a long-term injury or even a hospital stay. Avoid the risk of falls by removing hazards.

Tip #2: Place non-slip strips or non-skid mats on tile and wood floors or surfaces that may get wet. Another important way to

reduce fall risks is to add non-slip strips or mats to tile and wood floors. Stair edges and bathroom entrances are good places to consider adding these.

Tip #3: Replace handles on doors or faucets with ones that are comfortable for you to use.

Many older adults struggle with arthritis in their hands, making using traditional twist doorknobs and faucets difficult. More modern lever-style handles and knobs are easier to turn or push down.

Tip #4: Install grab bars near toilets and in the tub or shower. Falls in the bathroom are a major concern. Grab bars are a simple fix. Have grab bars installed by a qualified professional who can

ensure they are anchored and able to support your weight.

Tip #5: Install a ramp with handrails to the front door. Easy entry to and from your home is essential for long-term aging in place. Even if the two stairs to your front door are not difficult now, they may be in the future.

Tip #6: Place light switches at the top and bottom of stairs and remember to turn on night lights. Low light can be extremely dangerous. Ensure that stairs, hallways, and entrances are well lit with strategically placed light switches and plenty of night lights.

Information adapted from the National Institute on Aging: nia.nih.gov

Assistive Technology Can Help

The world of technology is exploding with options that could allow seniors and baby boomers to live in their homes longer. So why aren’t they all taking advantage of available technologies? The simple answer is because most of the people who would benefit from these technologies are unaware that they exist.

We are all familiar with the “I’ve fallen and I can’t get up” commercial advertising wearable pendants that can be pressed when a person needs help. But there is so much more available today.

There are currently devices available that can visually and audibly alert individuals when it is time to take their medication. Given the fact that approximately 40 percent of nursing home admissions are the result of individuals being unable to take medication without supervision, these devices can help more seniors remain at home. Sold in varying shapes and

sizes, holding large to small pills, medication management devices can beep, flash, and text patients and caregivers when it is time to take a medication or text when a medication is missed. They can be purchased with monthly services to allow distant caregivers the ability to manage medications. Devices range from $299.00 to $999.00.

Tracking devices are also available that allow people to be found quickly if they wander. These tracking devices can be worn as watches, placed in a shoe as an insert, worn on a belt or worn around the neck as a pendant. According to the Montgomery County Police – Project Lifesaver, it is imperative that an individual is found quickly, because for each moment lost, the search grid expands to a size that makes it almost impossible for individuals to be found. With that in mind, when choosing a tracking device, it is important to know how soon the

device will notify caregivers the person is wandering. Very few of the devices currently on the market can give an exact location. Newer models also include two-way voice communication.

The assistive technology market also includes devices that can monitor health, sleep patterns and movement in the house. House sensors can monitor water leakage, movement in the bathroom, movement in and out of a bed or a chair, as well as the opening and closing of cabinets or doors. Finally, there are sensors that can turn off appliances if there has been no movement in a certain amount of time.

Using the power of new technologies, caregivers can provide independent, safe living environments for their parents or other loved ones and still have peace of mind. By working with loved ones and professionals, seniors can easily create secure environments where they can age in place.

Whether

• Fall detection and mobile/GPS buttons are available.

• Month-to-month service and no long-term

FEATURED DESIGN:

Kitchens can be designed to accommodate varying abilities.

FEATURED DESIGN:

Railings with no gaps enhance safety.

STAIRWAYS

The optimal home would have all living areas on one level with no stairs. However, most homes in the region feature living areas on multiple levels, which makes the stairway a critical element of design. Some solutions include:

• Adequate grip rails on both sides that extend beyond the landings

• Lighting on and around the stairway

KITCHENS

• Contrasting colors to provide visual cues

• Floor treads

• Chair lifts, platform lifts, elevators

Well designed kitchens can accommodate the different heights and abilities of family members or visitors to the home. Some designs and products to consider include:

• Varying counter heights

• Elevated dishwasher

• Roll-out & pull-down shelves

• Swiveling cabinet doors with lazy Susan style shelving

• Rolling carts

• Dark and light colors for visual contrast

• Pull-out countertops below ovens

• Side-by-side refrigerator

• Knee space underneath cook tops and sinks

• Front control touchpad appliances

• Heat-proof surfaces

• Eliminating sharp corners

• Additional lighting including under-cabinet lighting

• Ergonomic utensils & products

“We’ve lived, laughed and loved in our home for more than 30 years. I never thought our own bathroom would become the source of such worry. As Bill got older, he had trouble lifting his legs over the sides of the tub, and I was afraid he would fall and hurt himself. That’s when I called P.J. Fitzpatrick Bath Solutions. Their tub to shower conversion along with their safety package, that places handrails and even a seat in the shower, took the worry out of our day. We’re not worried anymore about not being able to stay in the home where we raised our family. Thanks PJ!”

— PJ Fitzpatrick Client

Courtesy of Schaffer Construction

Home care can include a wide variety of healthcare and supportive services from professional nursing and home health aide services to physical, occupational, respiratory and speech therapies. An advancing industry, home healthcare is essentially skilled nursing care and certain other forms of healthcare that you get in your home for the treatment of an illness or injury. It is an important option to consider regardless of one’s age or health conditions.

Options in Home Care

An incredibly diverse field, home care includes companion care, home healthcare or skilled nursing care.

COMPANION CARE is provided by caregivers or companions, who serve as surrogate family members, performing many of the tasks that family members would

typically complete. Assistance from companion caregivers can include meal preparation, medication reminders, laundry, light housekeeping, shopping, transportation and assistance with exercising. The overall goals of companion care providers are to ensure that the home environment remains safe and that the individual has a companion to spend time with when family is not available.

HOME HEALTHCARE is for those who are no longer able to perform all of the functions of daily living by themselves but who do not require skilled medical services. A home health aide can help with activities of daily living (ADLs), which include bathing, dressing, transferring, eating and toileting. Additional services generally include meal preparation, mobility exercises, housekeeping,

laundry, medication reminders and transportation.

SKILLED NURSING CARE is prescribed by a physician and is administered by a registered nurse. The services provided by skilled nurses include: administering injections, administering medications, wound care, IV monitoring, blood tests, catheter care, respiratory therapy, physical therapy, feeding tube administration and more.

Medicaid Waivers

Unique option for home-based care coverage

For millions of Americans living on limited incomes, Medicaid is an essential program. Many Americans are eligible for both Medicaid and Medicare. These dual enrollees may also be eligible for Medicaid Waivers that will cover home and community-based care in lieu of nursing home care.

What is Medicaid?

Medicaid provides health coverage for low-income Americans. Although the Federal government establishes certain parameters for all states to follow, each state administers their Medicaid program differently.

How do Medicaid and Medicare work together?

According to the Centers for Medicare and Medicaid Services, Medicaid provides health coverage to 7.2 million low-income seniors and 4.8 million people with disabilities who are also enrolled in Medicare. These individuals are referred to as “dual enrolles” or “dually eligible.”

What is a Medicaid Waiver?

Many older adults prefer to age in their homes and communities, rather than moving to a long-term care setting. Medicaid Waivers can help make this possible.

Within broad Federal guidelines, States can develop home and community-based services waivers (HCBS Waivers) to meet the needs of income-eligible individuals who prefer to get long-term care services and supports in their home. State programs have their own names, eligibility requirements, and coverage limitations.

Medicare and Home Care

Know the coverage options

When it comes to understanding Medicare coverage, many individuals can find themselves confused by a complex web of information. This especially applies to those who want to know if they are eligible for Medicare coverage when entering a nursing home or receiving home health care. Below is some helpful information on whether you can use your home health care benefits if you have Medicare and what services and products it will cover.

First, you can use your home health care benefits if all of the following applies to your situation. Your doctor must prescribe that you need medical care at home and create a care plan. The care you need has to be intermittent and in the form of skilled nursing care, physical therapy, occupational therapy or speech therapy. The home health agency must be Medicare-certified and you must

be homebound, or unable to leave the home unassisted.

Once you have established those requirements, it is important to understand what Medicare will actually cover, which includes the following:

• Home health aide services on a part-time or intermittent basis, as long as there is a skilled need

• Medical social services

• Certain medical supplies

• Durable medical equipment (wheelchair, walker, bedside commode, etc.)

Given the services and products that Medicare does cover, it is also valuable to take note of what is not covered. Care that is required 24 hours a day will not be covered. Other services not covered include personal care provided by home health aides such as bathing and dressing, along with homemaker services like cleaning and

Your doctor must prescribe that you need medical care at home and create a care plan.

laundry. Also not included are homedelivered meals.

If you require care that goes beyond intermittent visits for a limited amount of time, or if your needs are not covered by Medicare, an important option to consider is private duty home care. For more information on Medicare coverage, visit medicare.gov

Information Provided by Family & Nursing Care and adapted from medicare.gov.

Empowered and Engaged

Shepherd’s Centers keep older adults connected

Shepherd’s Centers of America promotes aging well in the community by providing lifelong learning, volunteer service, healthy living, and community engagement opportunities for older adults. There are currently 55 community-based Shepherd’s Centers in 17 states, including five in Northern Virginia

The national network of centers provides services ranging from free transportation and friendly visits to respite care and learning opportunities to more than 165,000 older adults and their families—all at no cost to the participants. Volunteers are the backbone of the centers—making the mission possible.

A Rich, 50-Year History

While the centers all provide vital support to older adults, the individual program offerings are as diverse as the

populations served. “We’re so proud of the fact that no two Shepherd’s Centers are exactly alike,” said Shepherd’s Centers of America Executive Director Sarah Cheney. “Each center is designed by, with, and for older adults, based on their needs and interests.”

A Methodist minister named Elbert Cole founded the first Shepherd’s Center in 1972 in Kansas City, MO. The concept quickly grew and Cole established Shepherd’s Centers of America in 1974 to further connect more older adults to meaningful and enriching opportunities. He identified several shared values that still influence the work of Shepherd’s Centers today including wellness, inclusion, and giving back to society.

Shepherd’s Centers are not associated with the Methodist church. They are interfaith or no faith organizations and proselytizing is strictly

Continued on page 187

Find a Shepherd’s Center Near You

SC of Annandale Springfield

Serving Annandale and Springfield 703-941-1419

shepherdscas@vacoxmail.com

SC of Fairfax-Burke and South County

Serving Fairfax City, Burke and South Fairfax County 703-323-4788 office@scfbva.org

SC of McLean-Arlington -Falls Church

Serving McLean, Arlington and Falls Church 703-506-2199 contact@scmafc.org

SC of Northern Virginia

Serving Vienna, Oakton, Dunn Loring, Reston, Herndon and Great Falls 703-281-0538 office@scnova.org

SC of Western Fairfax County

Serving Centreville, Chantilly, Fair Oaks and Clifton 703-246-5920

SCWFC.Office@gmail.com

Planning for Care at Home

by Phyllis Mensh Brostoff CISW, CMC, Aging Life Care Association™ Member, Fellow of the Leadership Academy

If you took a poll of older adults and asked each person if they wanted to remain in their own home until the end of their life, most people would say, “of course.” That is a wonderful goal, which often takes a lot of sound planning to be successful. Anything can get in the way—accidents, illness, lack of energy, declining physical abilities—of achieving your desired independence. It is hard to give up even a little autonomy, but asking for assistance can help keep you where you want to be—in your own home.

What if You Become Homebound?

If you are recovering from an acute illness, you may be eligible for home health services that are paid for by the Medicare program. An Aging Life Care Manager™ can help you access

licensed home health services by facilitating a conversation with your physician about your need for skilled nursing services, physical therapy, occupational therapy, and/or speech therapy in your home. This is an important conversation to have with your doctor and discharge planner if you are in the hospital or a nursing facility and need to decide on and plan for services in your home once you are discharged.

However, Medicare will only pay for these services if you are “homebound.” Homebound is defined as only leaving your home for “medical treatment or short, infrequent absences for non-medical reasons, like attending religious services.”

You may also receive help from a home health aide under the supervision of a professional nurse or therapist. A

physical or occupational therapist can evaluate your home and recommend equipment (such as grab bars in the bathroom) that will improve your safety.

Accessing services

These services must be obtained from a state licensed home health agency certified to provide Medicarereimbursed services. They may be freestanding agencies, or they may be part of a large, hospital-based organization. Licensed home health services are usually time-limited, ending when you have met the goals of treatment and the need for the skilled care has ended.

If you have enrolled in a Medicare Advantage program, you may also have access to additional services such as home visits after a hospitalization.

Other Home Care Services

Many other care services are provided in the home but are not licensed or paid for by Medicare. An Aging Life Care Manager can help you understand what they can offer, access reputable services, and monitor them on an on-going basis.

Non-Medical Aides, Companions and Homemakers

There are many types of paid care giving services available— often called non-medical aides, companions and homemakers—who many people hire privately. If you do, you or your family should check at least two work-related references, develop a specific set of tasks and expectations for the caregiver, arrange to pay all appropriate taxes, and have the required insurance coverage.

Caregiver services can also be arranged through an agency. While this may cost more per hour than hiring an aide yourself, hiring an

agency assures you of coverage when the aide is sick, on vacation or quits. The agency also carries liability insurance and is responsible for all employment taxes and employee bonding. An Aging Life Care Manager can help you find a reputable agency and get important questions answered, such as: do they check

police and driver license records; do they provide supervision; how do they handle cancellations; and how long have they been in business?

Thank you to the Aging Life Care Association™ for permission to share this information. You may learn more about Aging Life Care™ at aginglifecare.org

Caregiver Shares Hard-Earned Knowledge

By Carol Hillegas

Tracy Cram Perkins never set out to write a book about caregiving for someone with dementia. But when her father expressed his wish that she share what they were living through right then, there was really no choice.

“Before I really lost my father to the fog of dementia, he made me promise him that I would find a way to help other people do what I’m doing ... that’s what put me on this track,” said Perkins.

Out of her father’s generous wish came Dementia Home Care: How to Prepare Before, During, and After.

Tracy envisions caregivers who need help grabbing up her book, skimming through the table of contents, and going straight to the pages with realistic suggestions and ideas for that kind of situation. It’s immediate help from someone who has been there with four loved ones.

She has been a caregiver for both

her parents, an uncle, and an aunt, all with different types of dementia and other health issues.

What to Do with a Master Escape Artist?

Tracy’s father had always been skilled at figuring things out. That didn’t change after the family placed him into his first group home. They were soon informed that he needed a place with more security.

Fast forward through homes two, three, and four, each with higher security than the last. When the fifth home let them know he had ingeniously found his way out through a window and they would have to find yet another place for him, Tracy and her husband found a way to bring him to their home to live. That meant the higher level of security was now up to them.

Caregivers: Take a Daily Photo

Tracy learned from the Alzheimer’s

Association to take a daily photo of your loved one each morning. That way, if they take off and become lost, you’ll know what they are wearing that day and can describe it or give the photo to police and others who are helping to find them.

She then expanded that technique to solve another challenge—getting her dad to bathe and change clothes, which he regularly resisted. She had him help her “wrap a present” for someone each night. Unbeknownst to him, a fresh set of his own clothes was in the box.

The next morning, while he was having breakfast, she would put the wrapped present in his room. She told him it was from a loved one, and he was excited every day to open it. He wanted to put on his new present and would even agree to bathe. Once he was dressed Tracy took the daily photo of him, telling him they would send it to whichever

loved one had sent the package that day. His dementia kept him from remembering the process from day to day. Genius, and fun for Dad!

Tracy shares plenty of tricks and hacks she learned for keeping her escape artist dad safe at home. Disguising exits to “disappear”visually by using one color of paint or murals, making doors look like windows, or posting signs discouraging entry can work well in keeping loved ones from leaving their safe home. Changing how doors work by moving working doorknobs to the very top or bottom of the door or putting locks or alarms on doors and windows are other ideas.

Tracy stresses that not every trick will work for every person. Each family will figure out what works for their loved one through trial and error.

Tracy shares much more of her own hard-learned and hardearned help in her book and on her website tracycramperkins .com . You can reach Tracy at tracy@ tracycramperkins.com .

Empowered ...

Continued from page 183

prohibited. All centers emphasize inclusion and individuals from all religious and cultural backgrounds are welcome and encouraged to participate.

What is a Shepherd’s Center?

A Shepherd’s Center is a community of older adults who come together for social, educational, and civic activities that promote aging in place. The term “Center” is used to suggest “presence” in the community. In fact, a Shepherd’s Center is often described as a “center without walls.”

Shepherd’s Centers are open to all older adults, regardless of income. There is no membership fee.

Shepherd’s Centers also frequently partner with other organizations or county provided aging services, such as Meals on Wheels, to better serve low-income older adults.

It is important to note that

Shepherd’s Centers are NOT Villages (a separate set of community-based organizations serving localized older adult populations).

Local Services

At the five local Shepherd’s Centers, services vary widely. However, there is an overarching focus on free transportation, socialization, and support. The specific programs evolve over time to best meet the needs of the local community.

Get Involved

There are so many ways you can support the mission of creating powerful and meaningful opportunities for older adults today… and tomorrow. Volunteer as a driver, office support, class instructor, or in a variety of other opportunities. Or sign up for a class and meet new people.

To learn more about Shepherd’s Centers or to get involved, contact the center in your neighborhood or visit shepherdcenters.org .

Are You Lonely?

by Mary Ann Buckley, LCSW-C, C-ASWCM

As a Care Manager and Social Worker with more than 30 years of experience, I have conducted a myriad of assessments and have asked many questions over the years. Yet, it wasn’t until I read John T. Cacioppo’s and William Patrick’s book Loneliness: Human Nature and the Need for Social Connection that I realized I needed to add this critical question to my assessments.

Are you lonely?

I decided to plunge into the topic of loneliness in older adults and was intrigued by studies both in the United States and in other countries. The research is clear that older adults are experiencing loneliness and the negative impact that it can have on their medical and mental health at pandemic proportions.

One study on loneliness found that

2nd

time spent with a friend, neighbor or peer was more enjoyable than time spent with family. Sadly, the value of meaningful interpersonal connection is often minimized in our society.

The consequence of loneliness is striking. Older adults who report being lonely are more likely to go into a nursing home, have more difficulties with the activities of daily living, and experience more rapid progression of Alzheimer’s.

Undoubtedly, these studies on loneliness can assist us in creating solutions, programs, services and environments to alleviate loneliness in older adults.

Inspired by the work of Cacioppo and Patrick along with these studies, I created a presentation on the topic: One Really is the Loneliest Number!

The presentation covers three

Social Work CEUs and focuses on how to identify, assess and alleviate the negative impacts of loneliness in older adults.

Loneliness is preventable. Prevention requires not only asking the question but also devising a plan to alleviate the loneliness.

As Care Managers, we are uniquely qualified to create care plans and solutions to reduce the impact of loneliness. These care plans are individualized to meet the unique needs and circumstances of each client.

As care managers, we work with our clients to begin the process of transforming a situation or circumstance that negatively impacts their life by helping to envision what life would be like by accomplishing a change. Imagine a life without loneliness.

Story Starts and Ends with the Need for a Loving and Experienced Senior In-Home Care Provider

Choosing Home Care

How long has this provider been serving the community?

How does this provider select and train its employees?

Does it protect its workers with written personnel policies, benefits packages and malpractice insurance?

Do they consult the patient’s physicians and family members?

How does the agency follow up on and resolve problems?

Does this provider include the patient and his or her family members in developing the plan of care?

Does this provider supply literature explaining its services, eligibility requirements, fees and funding sources? Many providers furnish patients with a detailed “Bill of Rights” that outlines the rights and responsibilities of the providers, patients and caregivers.

Are nurses or therapists required to evaluate the patient’s home care needs? If so, what does this entail?

Are patients involved in making care plan changes? Is the patient’s course of treatment documented, detailing the specific tasks to be carried out by each professional caregiver? Does this provider take time to educate family members on the care being administered to the patient?

Does this provider assign supervisors to oversee the quality of care patients are receiving in their homes? If so, how often do these individuals make visits?

Who can the patient and his or her family members call with questions or complaints?

What are the financial procedures of this provider?

Does the provider furnish written statements explaining all of the costs and payment plan options associated with home care?

Adult Day Care

Providing socialization and care

Adult Day Centers are an important option for family caregivers, as they offer socialization, activities, and necessary supervision to those who are socially isolated or need care and assistance.

Caregivers can feel confident that their loved one is safe and well cared for while they are at work or performing other necessary tasks. Centers offer a variety of programs and amenities, including exercise programs and a diverse schedule of engaging activities.

Assistance with the activities of daily living, including eating, walking, toileting and medication management may also be available. Additionally, many centers offer physical, speech and occupational therapies to their participants. All licensed centers provide nutritious meals and snacks on a daily basis.

Choosing a Provider

After locating nearby providers, call them to request flyers, brochures, calendars and application information.

While reviewing this information, pay careful attention to how many years the provider has been in business and their licensures and certifications. Be sure to understand the staff credentials, staff-to-participant ratio, and the medical conditions the facility and its staff are equipped to handle. Inquire about the availability of transportation to and from the program if it is necessary. The types of activities offered and the menu variety should be considered as well. Specific

Choosing an Adult Day Center

Use this checklist to review options

How many years has the center been in operation?

Is the center licensed, certified or accredited?

What are the days and hours of operation?

If needed, is assistance provided with eating, toileting and dispensing medication?

What types of activities are provided?

Do participants help plan activities?

Are meals or snacks provided?

Can special dietary needs be accommodated?

Do participants have individual service plans? How often are they updated?

What is the staff-to-participant ratio?

What type of training do staff members receive?

Are fees charged hourly, daily or monthly? What will the total fee be for services?

How are payments accepted?

Is a deposit required?

Is financial assistance available?

costs and any financial assistance that is available should be clearly outlined in the information packet.

Reviewing printed materials and asking questions over the phone can help narrow the choices, but the final decision of which Adult Day Center to use must be made in person. During the visit, staff members should be able to

provide clear and easy-to-understand information about the services and activities provided at the center. Checking references from individuals who are currently using this provider or have used them in the past is the final step in the decision-making process.

Source www.nadsa.org

BALTIMORE COUNTY (continued)

Alice Manor Adult Med Day 410-298-7255 Baltimore

Caring Hands ADC - Dundalk 410-285-7060 Dundalk

Center for Social Change

443-405-3712 Randallstown

Easter Seals AD Services 410-277-0940 Baltimore

Friends & Family AD Care 410-277-0070 Windsor Mill

Friendship Adult AMDC 410-866-3700 Baltimore

Friendship at Owings Mills 410-902-0252 Owings Mills

Happy Time Day Care Center 410-664-0056 Baltimore

Heritage Adult Enrichment 410-825-5575 Baltimore

Hong Lok Adult Medical Day 410-686-8868 Essex

Hopkins Elder Plus 410-550-7044 Baltimore

Joyful Adult Medical Day 410-601-3359 Baltimore

L.I.F.E. Adult Medical Day 410-735-5433 Arbutus

League For People w/ Disabilities 410-323-0500 Baltimore

LifeBridge Hlth Adult Day Srvs 443-426-1800 Randallstown

Lifeway Adult Medical Day 443-226-3289 Owings Mills

Maximum Day Services I & II 410-581-9150 Owings Mills

New Life Adult Medical Day 410-988-8400 Windsor Mills

Phoenix Adult Daycare Ctr 443-278-9290 Baltimore

Progress Unlimited 410-363-8550 Owings Mills

Rainbow Park Adult Care Ctr 410-517-1828 Baltimore

Renaissance AMDC 410-580-9301 Pikesville

Rob N Ness Adult Medical 410-744-8225 Catonsville

St. John Adult Medical Day 410-329-1444 Hunt Valley

Today’s Care and Family ADC 410-319-9161 Baltimore

Town Square 410-847-2150 Nottingham

Welcome Friends ADMC 410-574-5005 Essex

Rainbow

Rainbow

Washington-McLaughlin

PRINCE GEORGE’S COUNTY

Crescent Ridge AD Health Ctr. 301-567-1885 Oxon Hill

Helping Hands ADS - Cap Hgts 301-736-6622 Capital Hghts

PRINCE GEORGE’S COUNTY (continued)

Helping Hands ADS - Clinton 301-856-5553 Clinton

Joseph A. Gilmore Sr. ADC 301-808-9808 Upp. Marlboro

Maryland Care ADS

Success is Yours

240-716-3649 Camp Springs

301-534-3153 Greenbelt

We Care Adult Services 301-925-1515 Upp. Marlboro

Worldshine Care 240-542-4055 Beltsville

ST. MARY’S COUNTY

St. Mary’s Adult Med Day Care 301-373-6515 Hollywood

WASHINGTON COUNTY

Diakon Adult Day at Ravenwood 301-791-1030 Hagerstown

Easter Seals AD Services 301-745-3828 Hagerstown

Fahrney Keedy Senior Living 301-733-6284 Boonsboro

Florida Avenue MDC 301-714-1003 Hagerstown

Washington Co. HDC - ADC 301-791-5421 Hagerstown

WICOMICO COUNTY

Shady Pines AD Services 443-523-0050 Salisbury

WORCESTER COUNTY

Worcester AD Medical Srvs 410-632-0111 Snow Hill

VIRGINIA

Agape Adult Day HC I & II

Arlington Adult Day Program 703-228-5340 Arlington

BrightCare Center 703- 330-5836 Manassas

Eastern Loudoun Adult Day 571- 258-3232 Ashburn

Eden Senior Care Services 240- 377-6760 Fairfax Station

Evergreen Adult Day Center 703-534-5049 Annandale

Gardens ADC Program, The 143 703-278-1001 Fairfax

Herndon Harbor AD Health Care 703-435-8729 Herndon

Insight Memory Care Center 193194 703-204-4664 Fairfax/Sterling

Joy Adult Day Healthcare 703-992-6688 Vienna

Lewinsville AD Health Care 703-734-1718 McLean

Lincolnia AD Health Care 703-914-0330 Alexandria

Loudoun Co. AD - Purcellville 571-258-3402 Purcellville

Loudoun County AD - Ashburn 571-258-3232 Ashburn

Loudoun CO. AD - Leesburg 703-771-5334 Leesburg

Love Hand Adult Day 703-657-0944 Chantilly

Mt. Vernon Adult Day HC 703-704-6050 Alexandria

Prince William Adult Day 703- 792-4991 Woodbridge

Washington Senior Healthcare 703-354-4590 Alexandria

Williamsburg Landing 20-21 757-565-6544 Williamsburg

Youngs Healthcare Senior 703- 988-2044 Annandale

In Service

Continued from page 39

to be able to help others achieve this milestone. My students teach me so much. Whenever they pass the exam, we have a big celebratory lunch. It is really special, and it really feels like a family.”

For Gillian and Vince, Reston is a true community—like a large extended family. The couple had been living in a home near the Reston Town Center for decades when he had a severe stroke. They initially used live-in care to help with Vince’s medical needs, but the expense became burdensome. When Gillian noticed Hunters Woods right in their beloved neighborhood, she decided it was time for a move. The Sescoes moved into the community nearly four years ago and have benefited from the care and activities.

“They help Vince tremendously,” Gillian said. “They help him get up in the morning and come to breakfast

Inclusive Senior Living

Continued from page 14

against because of my name. They assume that there will be a language barrier or that I don’t know what I’m doing. But once you get in and you understand them and explain yourself to them, the majority of the people are understanding and it works out.”

Companies have to support and defend their workers—to the point of removing them from uncomfortable or unsafe situations. Todd Walrath, the CEO of HomeCare.com, spoke of how he supports his frontline workers by ensuring that they know they can always refuse a client if they feel they are in danger or being discriminated against. With clients, Walrath tries to keep the focus on the qualifications of the caregiver, instead of their race or ethnicity.

Industry Actions

To truly change the make-up of senior living, diversity and inclusion

“More than 200 men and women from 36 different countries have become citizens of the U.S. through my classes."

—Gillian Sescoe, a resident of Hunters Woods at Trails Edge, of her work with Cornerstones

and lunch.” She has also become involved with some of the activities in the community. “It is like a readymade family. People are very nice and so helpful. I’ve made some good friends here, and I enjoy going to exercise classes and playing games with my friends.”

For the Sescoes, Hunters Woods has provided a safe and inviting space to remain together—despite their different care needs. Vince can receive the care he needs from qualified providers, while Gillian enjoys amenities and activities and gets to spend quality time with her husband.

Serving Without Limits

With a wide range of services and amenities delivered by a dedicated staff, Hunters Woods at Trails Edge is providing residents with an environment that both meets their needs and gives them the space to continue to contribute to the larger community. Residents are not just cared for; they are empowered. The freedom that comes with knowing that their care needs (and the care needs of their spouses) will always be met allows engaged citizens like Marie and Gillian to continue to do what they do best—serve others.

must become a way of life for companies. Dr. Jeffrey Ash the associate dean for diversity and inclusion at the University of Maryland School of Nursing explained that the single best way to encourage diversity in hiring practices and inclusion in employee experiences is to attach them to metrics. Dr. Ash encourages companies to add questions about diversity and discrimination to their employee and client reviews and to track the responses.

To help the health care industry as a whole better address these issues, HomeCare.com established a coalition called Nurses Against Racism. The mission of the group is to unite healthcare providers to make meaningful change towards racial equity in the nursing industry. For more information or to get involved, visit NursesAgainstRacism.com.

Capital Caring Health, a nonprofit provider of advanced illness, home and hospice care services throughout the Washington metropolitan area, recently

established The Center for Equity, Inclusion, and Diversity to serve more minority elders who need hospice care, as well as those who need traditional medical care to remain independent in their homes.

Finally, Broadmead, a senior living community near Baltimore, is engaging in a coordinated effort to recruit a more diverse resident population. Led by Jennifer Jimenez Maraña, the community’s director of diversity and inclusion, the effort focuses on promoting social justice by ensuring that the population of residents is as diverse as the caregivers.

While none of these efforts can eliminate systemic racism or homophobia in the senior living sector, they are small and important steps in the right direction. They can also serve as a model for larger efforts to ensure that senior living services truly serve all seniors and that the industry presents real opportunities for care professionals. If we advance a system that serves all, we will all be better served.

District of Columbia Maryland Virginia AASPG

PWSRG

Networking for Professionals

Regional groups to help you connect and learn

Professionals who work with seniors and their loved ones need to be up-todate on local resources and services. They also need a solid grasp of the key issues and trends in the marketplace. Senior-serving professionals can gain the knowledge they need by joining and participating in one of the regional networking and education groups in the region.

The region has groups for all types of professionals. These groups have

a wide variety of organizational structures, ranging from informal groups to non-profits that require members to pay dues and offer a variety of membership benefits in return. Most groups meet periodically and will allow prospective members to attend a few meetings before joining. Regional networking and education groups are distinct from trade associations. They tend to attract a broader range of local professionals

than trade associations. Members also tend to focus their businesses locally, serving seniors in specific regions. These distinctions make these groups an excellent way to fully understand what services are available in each region—allowing professionals to both provide and receive referrals. Education and networking opportunities directly address the challenges that seniorserving professionals are encountering in the field every day.

MARYLAND

AASPG - Anne Arundel Senior Provider Group

Anne Arundel County seniorprovidergroup.org

BCPC - Baltimore County Provider Council Baltmore County bcpcouncil.org

COGS - Coalition of Geriatric Services Howard County cogsmd.org

ESPC - Elder Services Provider Council Frederick County espcfrederick.com

GAIN - Geriatric Assistance and Information Network Harford County harfordgain.com

GROWS - Grass Roots Org for the Well-Being of Seniors Montgomery County growsmc.org

PGSPN - Prince George's Senior Provider Network Prince George's County pgspn.org

SPIN - Senior Provider Information Network Carroll County facebook.com/carrollcountyspin/ PSL - Planning for Senior Living Montgomery County planningforseniorlife.com

VIRGINIA

LSIN - Loudoun Senior Interest Network Loudoun County loudounseniors.org

NVSRN - Northern Virginia Senior Resource Network Northern Virginia proaging.com

PWSRG - Prince William Senior Resource Group

Prince William County pwsrgroup.wixsite.com

WFAHA - Western Fairfax Advocates for Healthy Aging Fairfax County facebook.com/groups/WFAHA/ PSL - Planning for Senior Living Northern Virginia planningforseniorlife.com

REGIONAL GROUPS

BCPC SPIN

GAIN

Community Values

Senior-serving professionals are valuable resources

An ailing grandmother. A parent in crisis. A beloved relative who can’t find the care they need. It is these very personal—and often very challenging—experiences that inspire many professionals to seek out a career in senior services.

Whether they are young adults who chose this profession from the outset or individuals launching second careers,

senior-serving professionals have historically struggled to find appropriate support resources. In many cases, the best source of support for professionals is their peers. With that in mind, this section is designed to help professionals find each other.

Senior-serving professionals are valuable resources—to each other. No matter what part of the senior-serving

industry you work in, you can use this section to find potential partners, discover new connections, and make referrals to help clients.

The senior living field is made up of amazing individuals who are dedicated to serving older adults. This close knit community shares a strong set of values. Use this section to meet—and find—each other.

Find Our Champions

Positive Aging Community Champions are committed to providing real choices to older adults and their loved ones. They are the backbone of the Positive Aging Community, ensuring that older adults are heard, helped, and honored through every step of the aging process. We hope you turn to these organizations when you are seeking advice, guidance, or support.

Continued on page 208

Hearing is Believing ...

Continued from page 43

of what the other person says throughout the conversation. For clarity, the Captioned Telephone user can read the captions while listening to the other person’s spoken words.

For Spanish speakers, Spanish Relay is available for all the aforementioned services.

For users who want to enjoy group calls or need conferencing functionality for work, Remote Conference Captioning (RCC) allows users to read captions of what all participants are saying during conference calls while they listen.

Newer services are also available. Video Relay Service (VRS) is an Internet-based system for people

with video conferencing equipment or videophones who communicate in American Sign Language. Internet Protocol Relay (IP Relay) service is an Internet-based system for people with a computer or other web-enabled device who communicate using text. Finally, using captions displayed on a computer or other web-enabled device, Internet Protocol Captioned Telephone Service (IP CTS) enables people to communicate by speaking and listening to what they can hear over a telephone and reading what the other person is saying.

What are the costs for relay services?

Relay services are provided at no cost to all users. Relay services are available 24 hours a day, 365 days per year. There is no limit on the number or length of calls a user may make, and there are no

set-up fees or charges for calls.

State relay service programs provide and pay for some relay services, such as relay services used on in-state calls made through some services. The FCC oversees the Interstate Telecommunications Relay Fund which pays for other relay services, such as relay services used on interstate calls made using certain services and all calls made using newer services.

Equipment Options

Assistive telecommunications equipment is often available through state programs. To qualify for equipment provided by the state, applicants generally must meet both medical and financial criteria. Applicants who do not qualify for state equipment may purchase equipment directly from a third-party provider.

Find Our Champions

Continued from page 207

Copyright

from errors or omissions. For information about advertising, circulation, or editorial content, call toll-free: 1-800-394-9990.

All property advertisements in the Positive Aging Sourcebook are subject to the federal Fair Housing Act, which makes it illegal to advertise any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status or national origin, or intention to make any such preference, limitation, or discrimination. State and local laws forbid discrimination based on factors in addition to those protected under federal law. Positive Aging Sourcebook will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.

Steve Gurney Founder/Publisher 703-966-6182

steve@proaging.com

Christy Brudin

Editor

Liz Yap

Art Director

PositiveAging

Positive Aging Sourcebook

Mid-Atlantic Regional Editions: Maryland, DC, Northern Virginia, Pennsylvania, New Jersey, Delaware

Website: positiveagingsourcebook.com

Contact Us: 800-394-9990

24 locations for older adults in Maryland

Senior living, services and supports for older Marylanders and their families.

St. Elizabeth Rehabilitation and Nursing Center

667-600-2600

Short-term rehabilitation and skilled nursing, long-term and memory care.

– 2024 Newsweek –Top Rehabilitation and Nursing facility in the Greater Baltimore region 4TH YEAR IN A ROW

Caritas House Assisted Living

667-600-2660

A residential community of care with personalized assistance in daily activities for adults 62 and older.

St. Ann Adult Day Services

667-600-2680

Activities, socialization and medical supervision so older adults can continue to live at home.

TAX

Senior Communities

667-600-2280

Email – housing@cc-md.org

Supportive, affordable apartment communities. Total of 24 locations in Maryland, home to more than 1,800 older adults.

Caring Home Service Program

The Caring Home Services (CHS) Program, available at nine of our communities, offers services to support safely aging in place. Services include daily meals served in a group setting, weekly housekeeping, laundry, and personal services, and service management provided by the on-site CHS Supervisor. See cc-md.org/senior-communities for list of 9 locations where CHS is available.

ONE APPLICATION NO APPLICATION FEE

www.cc-md.org/seniors

Inspired

Don’t Settle for Less than Amazing!

Inquire

to get a feel for the team and the services they have to offer.

ANNE ARUNDEL COUNTY

Annapolis – 443.808.1232

Crofton Riverwalk – 443.494.6901

Severna Park – 410.544.1605

South River – 410.956.7310

BALTIMORE COUNTY

Catonsville – 410.788.5001

Hunt Valley – 443.933.8880

(Community Opening 2024)

Mays Chapel Ridge – 410.628.2100

Perry Hall – 410.529.1903

Rolling Hills – 410.744.7101

Towson – 410.296.3320

White Marsh – 410.668.1588

Ask about dining venues and menus, apartment kitchens, and, of course, daily happy hours!

CARROLL COUNTY

Westminster Ridge – 410.871.2225

HARFORD COUNTY

Avondell – 410.638.8100

Bel Air – 410.893.2202

HOWARD COUNTY

Columbia – 443.393.3099

MONTGOMERY COUNTY

Fallsgrove – 240.314.7194

Grosvenor – 301.615.0119

West End – 301.284.7214

Woodmont – 240.800.7566

FAIRFAX COUNTY (VA)

Alexandria – 571.646.6510

(Welcome Center Opening Early 2024)

Dulles Corner– 571.786.5800

Fair Oaks – 571.495.5907

Great Falls – 703.759.2513

Woodburn – 703.462.9998

Brightview is nationally recognized by U.S. News & World Report, Fortune, and People magazines. Don’t settle for Senior Living that’s less than AMAZING and get the details about your future home. According to U.S. News & World Report, these are the top 5 considerations for those researching senior living options. Call us to learn more TODAY. www.BrightviewSeniorLiving.com