2013 Twin Cities Senior Housing Guide by Housing Sense

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

Celebrating 60 Years of Serving Older Adults Celebrating 60 Years of

Serving Older Adults

Whether Whether spring,summer summeror orfall… fall… Whether it’s it’s winter, winter, spring, spring, summer or fall… Every season we Every we are are here here to toserve serveyou! you! Every season here to serve you!

Whether it’s winter, spring, summer or fall… EveryHousing season we are here to ••serve you! Senior Housing Living Senior Assisted Living Senior • Assisted Assisted Living

••• Memory Care • Short-term Rehab Memory Short-term ••• Memory Short-term Rehab • SeniorCare Housing •••Assisted Living Rehab Skilled Nursing Home Skilled Nursing Care Home Care • Memory Care Care Rehab ••• Skilled Care ••••Short-term HomeCare Care •• Crest Crest View Senior Community at Blaine • Skilled Nursing Care •summer Home Care Crest View Senior Community atatfall… Blaine it’s winter, spring, or •Whether Senior Community Blaine • Crest View Senior Community at Blaine (under development and taking reservations) (under development and taking reservations) Every season we are here to serve you! (under development and taking reservations) (under development and taking reservations) • • • •

Senior Housing • Assisted Living Memory Care • Short-term Rehab Skilled Nursing Care • Home Care Crest View Senior Community at Blaine 4444 Reservoir Blvd. NE., Heights, MN (under development andColumbia taking reservations) 763-782-1601 | NE., www.crestviewcares.org 4444 Reservoir Blvd. Columbia Heights, MN 4444 Reservoir Blvd. NE., Columbia Heights, 4444 Reservoir Blvd. NE., Columbia Heights,MN MN

763-782-1601 || www.crestviewcares.org 763-782-1601 763-782-1601 | www.crestviewcares.org www.crestviewcares.org TwinCities North Chamber

READERS’ READERS’ CHOICE CHOICE

Awards www.MinnLocal.com

Awards

2013 Nonprofit of the Year Award

www.MinnLocal.com

4444 Reservoir Blvd. NE., Columbia Heights, MN

763-782-1601 | www.crestviewcares.org

Presbyterian Homes & Services Living Options Senior Apartments, Townhomes, & Row-style Homes Senior Apartments with Companion Care Assisted Living Enhanced Assisted Living Memory Care Care Centers Transitional Care

651.631.6100

Optage

速

Home & Community Services Medicare-certified Home Care Medicare-certified Hospice Home Delivered Meals Primary Care Home Visits Service Coordination

www.preshomes.org

651.746.8200

Locations Andover Arden Hills Bayport Bloomington Brooklyn Center Burnsville Cambridge

Chanhassen Cottage Grove Crosby Eden Prairie Hutchinson Inver Grove Heights

Little Canada Mahtomedi Maplewood Minnetonka Monticello North Oaks Oakdale Oak Park Heights Plymouth

A faith-based, non profit organization All faiths welcome Equal Housing Opportunity EOE/AA

Prior Lake Roseville St. Paul Shoreview Spring Lake Park Spring Park Wayzata* Woodbury

Ankeny, IA Clive, IA Williamsburg, IA New Richmond, WI Pewaukee, WI Waukesha, WI *Opening Fall 2013

Please visit us today!

Welcome

to the Twin Cities Senior Housing GUIDE Making a move is almost always a stressor; even if it is a move you have planned, are excited about and want to make – it is still stressful – for most of us. By using the Twin Cities Senior Housing Guide you have hundreds of housing options at your fingertips and perhaps some you had not yet considered. One such option is using a reverse mortgage and staying in your home or using a reverse mortgage to purchase a home that would be better suited for you as you age. We have also included resource information to assist those of you who are just getting started. Information can be just a keystroke away via the internet, but putting it all together can be a daunting task. That’s where we come in – our job is to organize the information, explain it in a concise, but thorough manner and present it in a logical format. After studying the GUIDE, if you need further assistance please call 651-690-3141 and we will be glad to help.

SENIOR HOUSING GUIDE Publisher: Housing Sense Bonnie J. Clark, Owner

How to Contact Us

Phone: 651-690-3141 Fax: 651-292-0229 E-mail: housingsense@msn.com Write: Senior Housing Guide 1474 Sargent Avenue St. Paul, MN 55105

Website

www.seniorhousingguide.us Design Zoo 612-789-4321 www.designzoo.com

Bonnie J. Clark, Publisher

Sales and Advertising

Vicksburg Crossing Conveniently located near shopping, recreational and cultural opportunities, Vicksburg Crossing is the perfect option for those who enjoy a blend of active community living with the joys of quiet natural spaces. Vicksburg Crossing offers large 1 and 2 bedroom apartment styles with: • Lighted closets • In Unit laundry

• Cable/Satellite/Internet capability • Individual climate control

Exercise Room, Computer Center, Community Room and Lobby with fireplaces and activities Located South of Highway 55 on Vicksburg Lane

3155 Vicksburg Lane, Plymouth, MN 55447

Call us today at 763-559-1877 www.vicksburgcrossing.com

Senior Housing Guide • www.seniorhousingguide.us

651-690-3141 E-mail: housingsense@msn.com

Copywriter Ashmore, Inc. Nancy Ashmore

Robyn Palkowitsch

Artwork

Janet Doto Carrie Hartman Rhoda Gullickson Lisa Ruetten

Graphic Design/Production

By All Means Graphics, Rob Schanilec 17 Bridge Square Northfield, MN 55057 Phone (local to Twin Cities): 507-663-7937 E-mail: rob@northfieldguide.com

Independent Living Apartments in the Heart of Roseville

Beautiful apartment homes in a wooded setting with an array of services: • 10 chef-prepared meals served in our dining room, included in your monthly rent. • Fitness and Education Opportunities • General Store with Daily Lunch Specials • 24-Hour Front Desk Staff and Controlled Entry • Emergency Response System • Weekly Housekeeping • Van Transportation • Underground Heated Parking

Or…

• Moderate cost apartment homes with optional services available for a nominal fee.

Located at: 2555 Hamline Ave. N. Roseville, MN 55113

Call Us Today! (651) 639-1000 www.rosepointeseniorliving.com 3

Senior Housing Guide • www.seniorhousingguide.us

Enjoy Our Tropical Atrium All Year Round • One bedroom, one bedroom + den, two bedroom and two bedroom + den apartments starting at $800/month and over 30 plans. • Concierge on duty 24 hours, 7 days a week. • Full calendar of recreational, cultural, and educational programs. • Optional dining choices. • Van transportation to area shopping centers, grocery stores, area churches and excursions. • Small pets welcome.

Call us for a tour. Experience our friendly at home atmosphere. of Minnetonka

952-540-6200

12600 & 12800 Marion Lane West Minnetonka, MN 55305 www.funatridge.com Like us on:

ontents C

Housing Options…

Years ago people had few housing options if they needed assistance or an accessible home.Today’s older adults have more options than ever before to choose from. The Housing Guides offers a thumbnail sketch of the various types of housing available, pages 48-49, plus some creative alternatives you may not have considered including a type of cooperative community called Senior Cohousing. Read about it, page 19.

Moving is a pain, no matter how you look at it. And if you have lived in your home for a n umber of years, you have p robably collected a multitude of things! How to downsize and get back to basics. Read about it, page 42.

2 Welcome to the Twin Cities Senior Housing Guide 2013-2014 6 Resources To Know About • Helping Organizations • Financial, Legal, Health Care and Insurance Information • Subsidies That Can Help Pay for Services

23 Staying Put

• Is a Reverse Mortgage Right for You? • Using a Reverse Mortgage to Purchase a Home • Staying in Your Home – Programs and Services that Can Help Keep You There

31-37 Home Care, Adult Day Centers & Hospice

A Second Pair of Shoes Ray Gullickson, a resident of Maplewood, authors his first book, “A Second Pair of Shoes: A Collection of True Stories from the Heartland.” The book is based on Ray’s life experiences and the interesting and eccentric people he has known. Read about it, page 17.

Senior Housing Guide • www.seniorhousingguide.us

38 Where Can I Pick Up a Free Guide? 41 Moving On

• Why Am I Considering A Housing Change? • Back to Basics: Practical and (Mostly) Painless Tips to Downsize your Possessions • 7 Steps to a Saner Move

47 Housing Listings

Most listings are alphabetical by county: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Sherburne, Scott, Washington and Wright

Living Wills Living Wills let people know your wishes should you become seriously ill. Read about them and one in particular called “Five Wishes.” Read about it, page 14.

48 Chart of Housing Options 50 Continuing Care Retirement Communities & Life Care Communities 52 Ownership: Condominiums, Townhomes & Cooperatives

63 Market Rate Rentals: Independent Living Housing With 0 to 1-2 Services

97 Market Rate Rentals: Independent Living Housing With 2+ Services

110 Subsidized Rentals

• Housing Choice Vouchers • Privately Subsidized Housing • Minneapolis & St. Paul Public Housing

132 Assisted Living 149 Subsidized Rentals with Services 151 Memory Care: Dementia & Alzheimer’s Residences

160 Residential Care Homes: General Care & Memory Care

75 Index of Advertisers 167 Index

Reverse Mortgage Weighing in on your home’s value – using a reverse mortgage can help you stay in your home or assist you in buying a new one. Read about it, pages 22, 24-27.

Adult Day Services Adult Day Services can be a lifesaver for participants and caregivers. Read about it, page 34. Comprehensive list of Adult Day Centers, pages 35-36.

Ads run in the 2013-2014 Twin Cities Senior Housing Guide do not constitute endorsement by Housing Sense unless otherwise noted. All rights reserved. The contents of this publication may not be reproduced by any method without prior written consent of the publisher. Neither the advertiser nor the publisher is responsible or liable for misinformation, misprints, typographical errors, etc. herein contained. All advertisements relating to the sale or rental of property comply with state and federal fair housing laws.

Senior Housing Guide • www.seniorhousingguide.us

Resources To Know About Helping Organizations

Often when you are trying to find information it seems that you are either on hold, you are being transferred, or you are trying to figure out which button to push in order to talk to a real, live person who can answer your question. The following agencies provide free information and referrals and you will get assistance from a real person. You may have to leave a message during peak call times, but they usually return calls within 24 hours.

More Resources in the Section “Staying Put”

You may want to review the checklist, “Staying in Your Home.” While many of the services listed are for homeowners, some can be used by those who live elsewhere.

National Eldercare Locator Line: 1-800-677-1116, www.eldercare.gov

This nationwide number is particularly beneficial if you are trying to help someone in another state. When you call the number they will ask for the zip code of the person whom you are trying to assist; they will then direct you to a “help line” that serves the area.

Senior LinkAge Line® (Minnesota only): 1-800-333-2433 & TTY 1-800-627-3529, www.mnaging.org

By calling this toll-free number, you will be connected with a help line that serves the area in which you live. Information is available on all services and programs; Medicare, transportation, legal, financial asssistance, caregiver support, chore and minor home repair, home health care, meal delivery and nutrition. You may have to leave a message, but they will return your call.

United Way 2-1-1: Dial 211, www.unitedwaytwincities.org

You can simply dial 211 to be connected to United Way 2-1-1. They assist people of all ages in finding help and community resources. Information available in other languages

www.MinnesotaHelp.info

Minnesota’s most comprehensive online human services database.

www.benefitscheckup.org

Nationwide website where you can assess what resources you may be eligible for.

County Human Service Agencies

Agencies are helpful in directing people to county programs. Anoka: 763-422-7000 Hennepin: 612-348-4500 Carver: 952-361-1600 Isanti: 763-689-1711 Chisago: 651-213-5600 Ramsey: 651-266-4444 Dakota: 651-554-6000 Scott: 952-445-7751

Other Help Lines

Catholic Charities: 651-222-3001, www.ccspm.org Indian Family Services: 651-793-3803 Jewish Family Services: St. Paul 651-698-0767, www.jfssp.org Jewish Family Services: Minneapolis 952-546-0616, www.jfcsmlps.org Lutheran Social Services: 612-879-5200, www.lssmn.org

Senior Housing Guide • www.seniorhousingguide.us

Sherburne: 763-241-2600 Washington: 651-430-6484 Wright: 763-682-7400

Make Optimum a Way of Life When it comes to your well-being, you want to reach for the optimum. That’s where Optage® comes in. Optage home and community services offers innovative programs and products to help you confidently live each day to the fullest. Like a bridge, Optage helps you maximize your potential by connecting you with the services you want and need, and bringing them to you in your own home.

Bridging Options Hospice In-home Care & Services Skilled nursing care, personal care and rehabilitation therapies

Senior Dining Choices Home-delivered meals

End-of-life care

Care Management Service coordination

House Calls Physician/nurse practitioner home visits

more! Call to learn Services may be paid for by Medicare, Medicaid, private insurance, VA or private pay.

651.746.8200

As a division of Presbyterian Homes & Services, Optage derives from more than a half-century of housing and health care choices for older adults, provided in a spirit of Christian ministry.

2845 Hamline Avenue North Roseville, MN 55113 www.optage.org

Allegiance Transportation

On time to your appointment, every time.

4 7 Day/Week Service 7 am - 7 pm 4 Wheelchair Transportation Specialists 4 Priority Service to East Metro Area 4 Private Pay 4 Veteran Owned

651-207-5211 7

Senior Housing Guide • www.seniorhousingguide.us

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Resources To Know About

Call the Senior Linkage Line 1-800-333-2433, for more information on these services.

Minnesota Office of Health Facilities Complaints: 1-800-369-7994 & TTY 651-215-8980

Helps people living in health care facilities enforce their legal rights. Complaints are investigated.

Ombudsman for Older Adults, Statewide Service: 1-800-657-3591 or 651-431-2555

Provides information about assisted living services, home care, and nursing homes. Assistance in choosing a nursing home. Handle complaints about nursing homes and home health service providers. Brochures are available on a variety of topics: assisted living, home care, subsidies to pay for services, and more.

Raising Relative’s Children: 651-917-4640 Resources for grandparents and other relatives raising children.

Financial Assistance Programs General Assistance, GA & Minnesota Supplemental Aid, MSA Contact the Human Service Agency of your county.

Supplemental Security Income: 1-800-772-1213

Additional monthly income to eligible persons over age 65 or physically challenged.

Legal Information – Know Your Rights Adult Protective Services

Contact the Human Services Department in the county where you reside. The phone numbers are listed in this section. This program protects vulnerable adults from neglect, abuse or exploitation. There is a formal investigation and follow-up.

Guardianships and Conservatorships

When a person is no longer able to manage property and financial matters, the court appoints someone to act in the person’s behalf. The person can be a family member, friend, or a professional conservator.

Legal and Paralegal Service: 612-334-5970

Provides legal advice and referrals for people who are income eligible. They also legally represent persons in cases where Medicare has been denied.

Voted Best Source of Information for Older Adults visit www.seniorhousingguide.us

Senior Housing Guide • www.seniorhousingguide.us

phone: 651-717-4325 info@sorttosspack.com www.sorttosspack.com

www.twincityprobate.com

Are you experiencing a life transition that involves a move? Whether you’re relocating to be near family, downsizing to a smaller home, apartment or senior living community, I can help! I sell all types of residential real estate, specializing in relocation and life transition resources and services. For information on moving services, visit my website at www.wendycarson.com and click on “Life Transitions.” My business is built on referrals by serving clients well. They will tell you I put that little “extra” in extra ordinary service.

Call or text me at 651-341-6020 or email at Wendy@WendyCarson.com

10% OFF FOR NEW CLIENTS

Senior Housing Guide • www.seniorhousingguide.us

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

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Resources

Know About

Call the Senior Linkage LIne 1-800-333-2433, for more information on these services

Health Care & Insurance Health Care Choices 2013

Health Care Choices 2012, available for Minnesotans on Medicare, see ad on page 11 for more information and how to order or download.

Flu Clinics: 612-617-4784, MN Visiting Nurse Agency, www.mvna.org

Minnesota Visiting Nurse Agency, MVNA, provides flu and pneumonia clinics (vaccinations) in senior housing, churches and worksites and other places conveniently located throughout the metro area October-December. MVNA is a nonprofit Home Health Care Agency providing care for seniors in their homes. All proceeds are reinvested back into the community. Call or visit their website for time and information on the clinics.

Health Insurance Counseling Program: 1-800-333-2433

Counseling to compare Medicare supplemental and long-term care insurance policies. Information on Medicare, Medical Assistance, health insurance, long term care insurance, and more. They also assist people filing appeals and claims.

Health Plan Information Center, HPIC

Information on Medicare, health maintenance organizations, Senior Partners Care, long-term care insurance, living wills, and discount health services.

Medical Assistance (MA)

Pays for medical expenses for those who are income eligible.

Rx Connect: 1-800-333-2433

Drug manufacturers offer free or discounted prescription drugs to those who could not otherwise afford their prescriptions. A specialist will help you if you qualify. Not all drugs are available. Open to people of all ages.

Senior Partners Care: 952-767-0665

Health care program for seniors who are not eligible for Medical Assistance and cannot afford supplemental insurance. Monthly charges, premiums, co-payments, and deductibles are waived.

Hearing & Vision MN Telephone Equipment Distribution, TED, Program: 1-800-657-3663 & TTY 888-206-6555, www.tedprorgram.org

TED Program provides free amplified telephones, telephone ring signalers, speakerphones, deaf blind equipment and other equipment for those who have a hearing loss, speech and/or physical disability. Income guidelines. Free brochure.

State Services for the Blind: 1-800-652-9000

Low vision services for persons 55 and older. Free aids and devices provided, such as magnifiers and talking watches. Training to help people adjust to decreasing vision. Audio reading material available. Seniors are eligible for services if they have difficulty with regular tasks, such as reading, despite corrective lenses.

Vision Loss Resources: 612-871-2222, www.visionlossresources.com Assessments, individual teaching, classes, volunteers and support groups.

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

Subsidies For Services

Eldery Waiver (EW)

and

Alternative Care (AC) Programs

Do you need services that could help you stay in your home? You should know about Minnesota’s Elderly Waiver and Alternative Care assistance programs. These programs also help pay for services that support family caregiving and spouses who are caring for senior family members. Both programs assist people 65 and older who are at risk of needing some form of care available in a nursing home. The Elderly Waiver program serves people who are already eligible for Medical Assistance programs. To be eligible for the Alternative Care program both income and assets are considered.

• arranges an in-person visit to assess needs and help plan services, and • offers information about public programs that can help pay for services.

Elderly Waiver (EW) and Alternative Care (AC) assistance applies to a wide variety of services. Among these are:

• consumer directed purchasing, • companion services, • help with house cleaning, Determining Eligibility • meals delivered to your home, The first step in qualifying for this kind of assistance • transportation into your neighborhood and is to have a Long-Term Care Consultation. These community, are available, free of charge, to people of all income • some care-related supplies and equipment, levels. They are conducted by lead agency teams made • ways to make your home supportive for age-related changes, up of at least one case manager and one public health • help with coordinating services, nurse. • adult day care, During each consultation, the team: • nutrition counseling (AC only), • provides information about available home and • adult foster care serrvices (EW only), community-based services, • customized living services (EW only), • residential care services (EW only), • personal care assistants, • home health aide services, and • visits by a skilled nurse. Family assistance includes caregiver support, adult day services, and respite care. To arrange for a consultation or to learn more about Elderly Waivers and Alternative Care assistance programs, • Removing viruses, spyware • Data backup and/or recovery call your county’s human service or and pop-ups public health agency or call the Senior • Internet and wireless services LinkAge Line 1-800-333-2433. • Optimizing Your Own PC • Individual and/or group performance computer training

Computer Problem? We Can Fix It!

• Senior Rates Available • We Make House Calls

Call us at 651-323-8585 for your initial FREE phone consultation.

Visit us online at: www.yourownpcs.com 12

Senior Housing Guide • www.seniorhousingguide.us

Call the

Senior LinkAge Line 1-800-333-2433

for more information about Elderly Waivers and Alternative Care Programs

Need more information? Call us at (651) 690-3141 Voted Best Source of Information for Older Adults visit www.seniorhousingguide.us

CommonBond

COMMUNITIES

Over 40 Years of Affordable Senior Housing For over 40 years, CommonBond Communities has provided quality housing for seniors, with support services designed to help residents live independently in a caring community. Dedicated community members and service organizations come together at CommonBond’s Advantage Centers, an award-winning model, providing innovative resident services.

Call us at (651) 291-1750 visit us at: www.commonbond.org *Accepting Applications **Immediate Openings

ARBOR LAKES COMMONS Maple Grove, MN (763) 416-0369

BII DI GAIN DASH ANWEBI Minneapolis, MN (651) 290-6228

BASSETT CREEK COMMONS* Plymouth, MN (763) 543-2457

BOULEVARD GARDENS* Minnetonka, MN (952) 542-9338

CENTURY TRAILS* Maplewood, MN (651) 288-9162

MOUNT CARMEL* West St. Paul, MN (651) 451-0300

CONCORDIA ARMS* Maplewood, MN (651) 770-0402

NORTH GABLES* Blaine, MN (763) 786-0232

DELANO COMMONS* Delano, MN (763) 972-2930

NORWOOD SQUARE* Fridley, MN (763) 574-2187

EAST SHORE PLACE** Mahtomedi, MN (651) 770-7964

ASSISTED LIVING OAK RIDGE** Hastings, MN (651) 438-0418

FAIRFIELD TERRACE* Lakeville, MN (952) 469-1414 GARDEN TERRACE* Little Canada, MN (651) 481-9028 GARDEN TERRACE* COMMONS Little Canada, MN (651) 481-9028 GOLDENDALE APARTMENTS* Annandale, MN (320) 274-5871

OAK RIDGE MANOR* Hastings, MN (651) 437-1367 OAK TERRACE* Oakdale, MN (651) 730-6440 PLEASANT PLACE Rogers, MN (763) 428-4494 RED ROCK MANOR* Newport, MN (651) 459-2786

MAPLE TERRACE** Maple Plain, MN (763) 479-1131

RIVERVIEW APARTMENTS Minneapolis, MN (651) 290-6228

MILL POND GABLES** Champlin, MN (763) 576-8696

ROBBINS WAY* Robbinsdale, MN (651) 291-1750

Senior Housing Guide • www.seniorhousingguide.us

ST. ANNE’S SENIOR HOSUING* Minneapolis, MN (612) 588-4463 ST. MICHAEL’S HOUSING* New Ulm, MN (507) 359-8227 SHINGLE CREEK COMMONS** Minneapolis, MN (612) 588-2303 SILVER LAKE POINTE** Mounds View, MN (763) 785-4771 SOUTH HAVEN* Edina, MN (952) 831-3372 SOUTH SHORE PARK** Excelsior, MN (952) 474-9036 SPRUCE PLACE* Farmington, MN (651) 463-2511 SUMMIT POINT Edina, MN (952) 920-6113 WELLSTONE COMMONS** Northfield, MN (507) 645-4146 WESTONKA ESTATES** Mound, MN (952) 472-4952

Five Wishes Robyn Palkowitsch

If you’ve considered creating a living will, you know how valuable this legal document will be. It could make all the difference in how you are treated – should you become seriously ill. Numerous living will templates exist and are available to you, often at no charge. These include the Minnesota Statutory Health Care Living Will; the Minnesota Statute § 145C Health Care Directive; and many others. Using such formal documents can certainly “get the job done.” But it can feel awkward and cold. We’ve found an alternative that’s not as “cut and dried.” It’s an easy-to-use form called “FIVE WISHES.” It lets you state your desires exactly, and has been described as: “the first living will that talks about your personal, emotional and spiritual needs – as well as your medical wishes.” Discussing end-of-life plans is important, and completing FIVE WISHES is easy. All you have to do is “check a box, circle a direction, or write a few sentences.” The process will give you an opportunity to discuss your desires with family, friends and your doctor, so they can know just what you want. They won’t have to guess, so it will spare them hard choices. FIVE WISHES was developed by a man named Jim Towey, who spent a year in a hospice Mother Teresa ran in Washington. Mr. Towey’s desire to find a way for patients and their families to plan ahead for serious illness led to the development of FIVE WISHES. It has been called the “first living will with a heart.” FIVE WISHES is for anyone, age 18 or older in the District of Columbia, or any of 40 states--including Minnesota, Wisconsin, Iowa and the Dakotas. If you already have a living will or durable power of attorney for health care and would like to use FIVE WISHES instead, don’t worry. All you need to do to switch is fill out and sign a new form. Then destroy all copies of your old documents (or write “revoked” in large letters across your copy). Be sure to notify your lawyer

if he/she helped prepare the old forms for you, and tell your doctor, family members and those close to you that you have completed FIVE WISHES.

So, just what are the FIVE WISHES?

WISH 1: The person I want to make health care decisions for me when I can’t make them for myself. This person will be identified as your Health Care Agent. WISH 2: My wish for the kind of medical treatment I want or don’t want. WISH 3: My wish for how comfortable I want to be. WISH 4: My wish for how I want people to treat me. WISH 5: My wish for what I want my loved ones to know. Each of these is spelled out in easy-to-read detail on the document. Completion of your FIVE WISHES will need to be witnessed by two people, signed and notarized.

When your form is completed:

• Talk to your Health Care Agent and those close to you. Give them copies of your completed FIVE WISHES. • Keep the original you signed in a special place in your home – not in a safe deposit box! It needs to be nearby and easy to find when you need it. • A wallet card will be included with your FIVE WISHES form. Carry this with you wherever you go so people will know where to find your FIVE WISHES form. • Give your doctor a copy of your FIVE WISHES. Ask him/her to place it in your medical record and to direct other caregivers to honor your wishes. • Then be sure to list who has received a copy of your FIVE WISHES on your form.

Who knew peace of mind could be so s imple? For your copy of FIVE WISHES, contact: www.agingwithdignity.org

Be sure to include a completed HIPAA Release Form with your Healthcare* Directive. (That’s the form you sign when you visit your doctor, permitting them to share your personal information with others who will need it in order to ensure your proper care). You can get your HIPAA Release Form FREE OF CHARGE at: http://www.caring.com/forms/hipaa-release-form/free-hipaa-release-form.pdf

Senior Housing Guide • www.seniorhousingguide.us

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

We care for the WHOLE Person, their Social, Residential Care

We offer over 30 years experience in caring for residents who need memory care or have high medical needs.

• Transportation to individual activities and appointments • Private Bedrooms and bathrooms • High ratio of staff to resident • 24 hour staff on site • Residential Supervisor lives on-site • Homes in Shoreview and Roseville

• Care plan for each resident with input from family and resident • Family can stop in any time to visit • Elegant home setting for just six residents • The homes are designed for complete accessibility • All meals family style

EMOTIONAL,

Spiritual NEEDS

Call for tour and more information 651-294-4798 • www.arthursresidentialcare.com

MeMory Care rental apartMents are now available

Call today to schedule lunch and a tour.

651-777-7784

Quality Care, Focus on Relationships, Beautiful Private Apartment Homes, Excellent Service...

independent, assisted living, and Memory Care rental apartments 1870 east shore Drive, Maplewood, Mn 55109

The Shores of Lake Phalen is owned by Coventry Senior Living, a developer of innovative housing. It is managed by Ebenezer Management Services, an experienced provider of residential and health services for seniors since 1917.

Now, life is even better here. Which of the following would you add to your dream home? A luminous solarium, a book-filled library, an elegant dining room or a wellness center? You can have all this and more at the newly remodeled Vernon Terrace. We offer the ultimate in independent living for seniors. Affordable, luxury living... Edina style. Come see for yourself. • • • •

55+ rental community Elegant Biltmore Dining Room Up to 1,500 sf apartment homes Free on-floor washer/dryer use

Call for a personal tour and discover why life is better here.

• Scheduled van service • Numerous onsite conveniences • Cats welcome • Supportive services available

Visit www.vernonterrace.com to see more.

Independent Living • Catered Living • Memory Care 16

Senior Housing Guide • www.seniorhousingguide.us

952-358-6122

5250 Vernon Avenue S. • Edina, MN

Life is better here. Professionally managed by

Sharing

Legacy

with

A SECOND PAIR OF SHOES Robyn Palkowitsch Nearly everyone knows someone who has a knack for storytelling – one who recalls incidents and individuals they’ve encountered over their lifetime in ways that make their experience feel universal. Their anecdotes bring nods of recognition, smiles, chortles, sometimes even tears! Ray Kenneth Gullickson is that kind of Ray Gullickson “storyteller.” After decades of listening to their dad’s vivid narratives at family gatherings, Ray’s adult kids convinced him to create a new family heirloom. They persuaded Ray to write down his true tales of colorful characters and sometimes surprising situations in “A Second Pair of Shoes.” It was an instant treasure – at least to family and friends. Then, Ray gave this book a broad appeal by including old travel postcards and antique photographs, plus more than thirty of his own wonderful illustrations! Ray’s drawings provide an historical record of life on a typical farm in the American Midwest during the 1930s and 40s – all within the context of charming true stories. One more surprise makes “A Second Pair of Shoes” unique and truly special. Readers are given the opportunity (and space) to record their personal memories and save mementoes within the pages of “A Second Pair of Shoes.” This makes it easy to pass along your own personal legacy! An award-winning writer in the financial field, this is Ray’s first venture into nonfiction narrative. He and wife, Carol, reside at Cardinal Pointe Senior Living

Cooperative in Maplewood, Minnesota. They’ve been married more than 60 years and have 3 grown children, 5 beloved grandchildren ranging in age from 12-22 and one very spoiled cat named Cinder. Now in his 80s, Ray hopes that “A Second Pair of Shoes” will inspire others to preserve their treasured memories so they can be shared with friends, lovedones and future generations. Order books for yourself and others you love at: ASecondPairofShoes.bigcartel.com Or, send a check or money order for $15.95 plus $6.00 tax and shipping to: A Second Pair of Shoes PO Box 16212 1715 – 7th Street West Saint Paul, MN 55116

Robyn Palkowitsch is a freelance writer living in St. Paul, MN. She can be reached at robynrlp@comcast.net.

Dad’s Mercedes

Senior Housing Guide • www.seniorhousingguide.us

The windmill on the family farm

Housing Options… More than Your Grandparents Could have Imagined Whether you are thinking about relocating to a warmer climate or downsizing and moving into a housing situation that is maintenance free, know your housing options. The good news is – you have many choices, more than your grandparents could ever have imagined. There are many different and varied types of housing on the market today and with the millions of baby boomers looming on the horizon, the number of options is sure to increase. Having options is a good thing, but it puts responsibility on the consumer to research the type of housing that best suits their needs and desires. First, know your finances and what you want to spend on housing. Second, be honest with yourself, does the residence offer the level of support you need or might need? Of course you can never predict the future, but if you have a chronic condition, you might want to consider housing that has services available, even if you don’t need them now. Remember you can usually bring in services, but you will have to coordinate them. Third, visit the residence, more than once, to see if it feels comfortable. Are people living there with whom you might have something in common and would like to have as neighbors? Fourth, talk to people. Ask people about their experiences and investigate other living arrangements. If you are thinking about moving to a place that you have vacationed for years, try it out for a year before you make it your permanent address. Even if you decide to remain in your single family home, know your housing options. Then if something in your life changes and you need to move you can make an informed decision and it can be a decision that you made, not one that was made for you. On pages 48-49 we give you a thumbnail sketch of different types of housing available to you.

Alternatives To Think About

Reverse Mortgages For people that wish to remain in their home and are “house rich, but cash poor” a reverse mortgage can be the answer. Homeowners use their home equity while living in the home and make no payment back until they

Senior Housing Guide • www.seniorhousingguide.us

leave the home. Reverse mortgages can also be used to pay off a house. Read more about reverse mortgages on pages 22 and 25-27. Accessory Apartments, Echo Housing and Granny Flats If you enjoy living really, really, really close to your children, you might consider these options. One is an apartment located in a house. Often called an accessory apartment or mother-in-law apartment, this arrangement allows two generations to live under one roof, but still have separate living areas. Echo Housing or Granny Flats as they are called in Australia where they originated is another option. A smaller house, a secondary residence is built behind a larger, main house. In urban areas this may be prohibited due to zoning laws, but can be an excellent solution for rural areas, where zoning laws are not as strict. Often mobile/manufactured homes are used for the secondary residence. Golden Girl Homes, Inc. Much like the television show, The Golden Girls, Golden Girl Homes, Inc. try to link women who wish to share a home. Visit their website, www.goldengirlhomes.us. NORC The acronym NORC stands for Naturally Occuring Retirement Communities. These types of residences are open to people of all ages, but occur when seniors from the surrounding community move into a building causing the building to eventually house mostly older adults. Cohousing Cohousing has been described as somewhere between a co-op and a commune. Individuals live in fully functioning homes which can be single family detached homes, apartments, or townhomes. Members own their homes but share ownership and responsibility for community assets, including common grounds, and other amenities like an exercise room, guest rooms and workshops. Typically cohousing is multigenerational. For more information about cohousing go to www.cohousing.org. See article on cohousing page 19.

Creating

Senior Cohousing: Our Own Caring Communities Joelyn Malone assistance than neighbors can share with each other, the decision about whether to hire shared care services or move to a more institutional setting is made by the individual, not by the staff and managers of a retirement community or care facility. Enthusiasts see Senior Cohousing as the answer to the frequent concern of growing old alone or without the support of a close-knit, caring community.

What’s a Cohousing Community?

Cohousing communities are formed intentionally by the individuals who will be living in them, as a way to Built in 1924 as boarding home for older adults, this building came with the property, and today create a sense of community that has serves as a home for several families as well as common space for the Cohousing c ommunity. been lost as people move away from their extended families and struggle to make durable, lasting friendships in There’s a new type of cooperative community called our fast-paced society. A local example is Monterey “Senior Cohousing” that offers the feeling of an oldCohousing Community in St. Louis Park. Founded fashioned village. Senior or Elder Cohousing is in the in 1992, it is a multigenerational community of 15 news, with headlines like AARP Magazine’s recent households. Like all cohousing communities, it was article “Rethinking the Commune,” and Time Magadesigned to create the feel of an old-fashioned village zine’s story titled “Not Home Alone.” Cohousing gives where neighbors support neighbors, celebrating joys residents a deep sense of shared values, friendship and together and making life easier for all. Shared comreciprocal neighborly support, with community-friendly munity meals are scheduled at least twice a week. architecture and “human-sized” number of households Trading childcare, providing rides to the airport, (generally 15-35 households). Cohousing communities being able to find someone to walk with anytime, are developed in partnership with the people who will help with trips to clinics and the Emergency Departbe living there. The smaller size of Senior Cohousing ment were named when community members were communities and resident involvement in the commurecently polled on “why I like living in Cohousing.” nity’s design contrasts with other housing developments When Kevin, age 67, injured himself in a fall while such as the Senior cooperatives common in Minnesota, walking his dogs early one morning, he crawled to the which tend to have 150 or more units. In Cohousing nearest door to knock for assistance. Neighbors were communities, every member is there because they want mobilized: ice packs and a shoulder to lean on were to know their neighbors. available immediately. Chris took Kevin to the Urgent Cohousing communities developed specifically for Care clinic, Anne gave his wife a ride to work, Paul people age 55 and up share a common goal: to allow took care of completing the dogs’ morning walk. all members to live in the community for as long as they wish. Many have developed individually tailored Characteristics of “shared-care contracts,” outlining what kind of “goodCohousing Communities neighbor” assistance residents can expect to give and to Six principles differentiate cohousing from other receive if needed. If increasing disability requires more forms of community living: 1) participatory design 19

Senior Housing Guide • www.seniorhousingguide.us

Continued on page 20

process, 2) physical design that encourages community while preserving privacy, 3) extensive common facilities such as kitchens and dining rooms that can serve all members, 4) resident-controlled management, 5) governance using a non-hierarchical structure and equal voices in decision-making, and 6) each household’s finances independent from the group as a whole. Future residents are involved in designing their own homes as well as the community space to be shared by all. The purpose-built design puts the emphasis on community interaction, while still allowing for as much privacy as desired. Common facilities typically include a commons house with kitchen and dining room large enough to accommodate all residents, plus guest rooms and children’s play rooms. Senior communities often include a woodworking shop, mediation room and exercise facilities. Automobiles are kept to the periphery, allowing large common courtyards and gardens. All residents have their own fully functional homes (complete with kitchens, living and Cohousing families working on a project. dining rooms, and rooms such as dens or home offices). Private homes tend to be smaller in Cohousing, since residents have access to guest rooms, TV lounges and other special-use rooms in the community commons.

The Emergence of Senior Cohousing

Most of the 93 completed communities in the United States are multigenerational. Busy young families raising children have found the support of their neighbors especially helpful. Older residents in these communities are able to enjoy contact with children when their own grandchildren live far away. Older cohousing dwellers have also become advocates, pointing out the ways Cohousing is enriching their lives throughout their later years. They especially tout their ability to live out values such as social justice, spirituality and concern for the environment with lifestyle choices shared and supported by the group. The idea of devel20

Senior Housing Guide • www.seniorhousingguide.us

oping Senior-only communities has only recently become popular. The Cohousing concept found fertile ground in North America beginning in 1988, when Kathryn McCamant and Charles Durrett published a book based on their architectural studies of the Cohousing communities in Denmark. Durrett later made a second trip to Denmark to look at their many senior-only communities. His book “Senior Cohousing: A Community Approach to Independent Living” was published in 2005. Several senior communities have been completed since then, with others on the drawing boards. Of the 107 cohousing communities currently under construction, half a dozen are targeted to people aged 55 and over. Where are the existing senior cohousing communities? Glacier Circle Senior Community, an 8-unit development in Davis, California was the first senior cohousing development to be completed in the United States, in December 2005. Its members, with an average age of 80, had known each other for 40 years through their local Unitarian Universalist Church before conceiving of their community and commencing the design in 2000. ElderSpirit Community in Abingdon, VA spearheaded by former nun Dene Peterson, completed move-in of its 29 households in March 2006. They describe their community as having a focus on “late life spirituality and mutual support” and value the diversity of beliefs within their membership. A grant from the Retirement Research Foundation is assisting other communities to follow the ElderSpirit model. Silver Sage Community and Wolf Creek Lodge are senior communities built next to multigenerational communities in Boulder, CO and Grass Valley, CA. Others that have already acquired building sites are located in Florida, New Mexico, North Carolina and even Alaska. The concept of “ElderShire” villages has been promoted by Dr. Bill Thomas, nationally known for innovative ideas for housing and services for the elderly, including

culture change and improved quality of life in nursing homes with the Eden Alternative. The growth of Cohousing communities has been hampered in past because very few developers are willing to build such a unique community without substantial financial commitment during the planning stages (months before ground-breaking) from the residents who will live in the community. Developers who weren’t familiar with cohousing were reluctant to take financial risks on a custom-built community. Now developers and future Cohousing groups can learn from 20 years of experience with cohousing in the United States. Many housing developers and development consultants within the Cohousing movement are available to move the process along more quickly and with less demand on future residents’ available volunteer hours. One streamlined model is developer-driven, while others start with newly forming cohousing groups and assist them in finding potential locations and the housing developer or other professionals they’ll need to partner with to get the community built. Cohousing Resources, based in Seattle; the Cohousing Collaborative LLC in Virginia; and Cohousing Advocates here in Minnesota are three such resources. Architects, builders and other cohousing professionals are instrumental in both helping groups prepare themselves for community living and in finding and developing sites that meet each group’s particular needs. With the growing interest of baby boomers in creating a new vision of aging for our society, and more adventurous seniors interested in developing communities tailored to their own interests and preferences, many more senior cohousing communities are sure to be under development soon in Minnesota and across the nation.

Cohousing families enjoy National Night Out.

Senior Housing Guide • www.seniorhousingguide.us

Resources

• More information at the National Cohousing Association website, www.cohousing.org. • Subscribe to Monterey Cohousing’s monthly e-newsletter at www.MontereyCohousing.org. Check the website for dates of upcoming “Introduction to Cohousing” events, held quarterly.

Other useful web sites: www.Eldercohousing.org www.Elderspirit.net www.cohousingpartners.com

Books:

“Senior Cohousing: A Community Approach to Independent Living.” Charles Durrett, 2005. “The Cohousing Handbook: Building a Place for Community.” Chris Scott Hanson and Kelly Scott Hanson, 2nd revision 2005. “Cohousing: A Contemporary Approach to Housing Ourselves.” Kathryn McCamant and Charles Durrett, 1988, revised edition 1994.

About the Author

Joelyn Malone is a founding partner of Cohousing Advocates, specializing in assisting formation of cohousing groups and connecting them with housing professionals and developers. She also provides program development and evaluation services to organizations that serve older people and people with disabilities of all ages. Contact Joelyn at 952-926-8554.

Using

Reverse Mortgage

Purchase

Home

Newly constructed properties must have a certificate of occupancy, the borrower must occupy the property within 60 days of closing, and it must be the principal residence.

What is the Investment?

Your investment in the new home is the difference between the net principal limit and the sales price for the property. The net principal limit is determined by the youngest borrower’s age, the interest rate and the appraised value of the property OR lending limit, less the loan and closing fees. If the borrower can bring a larger investment to closing, this permits a credit line to be established which can be used for future draws. Starting in 2009 persons aged 62 and older could use a Home Equity Conversion Mortgage (HECM) to purchase a home. The HECM is FHA’s reverse mortgage product and is insured by the federal government. The purchase-to-own HECM can benefit the potential owner because there is only one set of closing costs to pay. Previously, a homeowner would purchase the house, pay the closing costs, and then get a reverse mortgage, which triggered a second closing and additional closing costs. The rules for using a HECM to purchase a residence are pretty much the same as using a HECM in an already owned property.

What types of residences are eligible through the purchaseto-own HECM?

Types of residences that qualify are single family homes, one-to-four unit residential buildings, and most condominiums and townhomes. Cooperatives are not yet eligible in Minnesota, but may be in the near future. Some manufactured homes qualify if they were built after 1976 and have a permanent foundation.

What are Allowable Funding Sources?

The borrower may only use their own money or money obtained from the sale of their personal assets, such as a home. Proceeds from the borrower’s savings or retirement account are also acceptable, but no additional loans may be used for the owner’s investment portion.

Confused?

If you are confused, read the article “Is a Reverse Mortgage Right for You?” then call Reverse Mortgage Counselors, Incorporated (RMCI) at 651-368-8516 or 1-888-690-7829 to set up a counseling, educational session. Counseling is required by law for anyone getting a reverse mortgage. RMCI will go over all the details and numbers with you in a one-on-one counseling session to make sure you understand this loan product and address any questions or concerns you have. Like anything, a reverse mortgage can be a great financial tool for some people and the wrong tool for others. RMCI counselors can help you see the pros and cons. RMCI is a HUD approved counseling agency.

Reverse with Care

Steve Garver, CSA

Home Equity Retirement Specialist Specializing in HECM Purchase and Refinance

sgarver@S1L.com www.stevegarverreversemortgages.com www.S1L.com

MN License MLO-335667 Security One Lending: NMLS ID 107636 MN Residential Originator License: MN-MO-107636

Steve Garver, your reverse mortgage specialist Call Steve today for your free consultation – 612-636-9578 22

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Staying Put • Community Based Resources •Reverse Mortgages • Home Health Care • Adult Day Services •Hospice Almost 80% of people 65 or older state that their preference is to remain in their single family homes. If this is your decision, be realistic and acknowledge that in order to remain in your home you may need to do things differently than the way you have done them in the past. Consider having other people do chores that may have become difficult and are somewhat dangerous, such as cleaning gutters. The article “Staying in Your Home – Programs and Services to Help You Remain in Your Home” lists ideas and resources that can help with chores and make it easier for you to remain in your home. Think of it this way, did you ever enjoy cleaning gutters?

Look at your residence with a critical eye. It may need some modifications for age-related changes. Consider having an accessible bathroom put on the first floor, bring up the washer and dryer from the basement, eliminate throw rugs and improve the lighting. For more information, read the online article “Staying in Your Home–Making Your Home Supportive for Aging.” Need more money to accomplish these tasks? Consider a Home Equity Conversion Mortgage (or “Reverse Mortgage”). Read more about Reverse Mortgages in this section or call Reverse Mortgage Counselors, Inc. at 651-368-8516 or toll free 1-888-690-7829 (STAY).

Exceptional 24 Hour Personal At-home Adult Assistance & Care

NURSING

HHA’S

COMPANIONS

612-708-1079 www.adulthelpcare.com Assisting throughout the Twin Cities.

Insured • Licensed • Dependable

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For information About Reverse Mortgages and Counseling Call 651-368-8516 or 1-888-690-7829 (STAY) • All counselors are part of the HUD* National Home Equity Conversion Mortgage Counseling Network. • Counseling is confidential. • Age requirements apply. • Counselors return calls within 24 hours. • Appointments routinely completed within 3 to 5 days or less of request.

• For situations that require quick turnaround, counseling completed in a very short time. • Evening and week-end appointments available. • Asesoría disponible en español. Counseling available in Spanish – 651-917-0224.

*Department of Housing and Urban Development.

Reverse Mortgage Counselors, Inc. is a nonprofit organization supported in part through grants and private donations.

We greatly appreciate their support!

• Department of Housing and Urban Development, HUD • State of Minnesota • Private Donations

You worked hard for your house... now let your house work for you.

Reverse mortgage info sites: www.hud.gov, www.aarp.org or www.ncoa.org Put “reverse mortgage” into the search engine and the information you are looking for should appear. At www.ncoa.org you can download a copy of “Use Your Home to Stay at Home” or send $2 to cover postage and handling to: RMCI, 1216 Selby Ave., St. Paul, MN 55104

Senior Housing Guide • www.seniorhousingguide.us

Reverse Mortgage Right For You??

Article and counselor fluent in Spanish available – 651-917-0224. Artículo disponible en español. Consejera disponible en español – 651-917-0224.

• Are you 62 or older? • Do you own your home (or are you close)? • Do you live there the majority of the year? • Do you plan to live there for many more years? • Do you need money to modify your home to make it more supportive for age-related changes or to meet rising medical costs or other needs? If so, you might want to learn more about “reverse mortgages.” This form of financing enables many seniors to remain in their homes. Reading this article will help you determine if a reverse mortgage might be an option for you. If it is, you may want to do more research and/or you may want to see someone who can explain a reverse mortgage in detail. Reverse Mortgage Counselors, Inc. is a neutral, non-profit HUD-approved organization that educates people about reverse mortgages; you can reach them at 651-368-8516 or toll free 1-888-690-7829 (STAY).

Senior Housing Guide • www.seniorhousingguide.us

If you’re like many Americans, your home is probably your biggest financial asset. In the past, the only way you could “cash in” on that investment was to sell your home or borrow against it. With a reverse mortgage, however, you can take advantage of the equity you have in your home without having to move and without making monthly loan repayments. As a matter of fact, you don’t have to pay back a reverse mortgage for as long as you live in your home. Continued on page 26

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Is A Reverse Mortgage Right For You??

Continued from page 25

What is a “Reverse Mortgage?”

A reverse mortgage is a loan against your home’s equity. The loan provides cash advances to the borrower and requires no repayment until the last borrower sells or moves out permanently. There are several types of reverse mortgages, but the one that is the most widely used is the federally insured Home Equity Conversion Mortgage, HECM.

Who can qualify?

Homeowners who are 62 or older; even those with a poor credit rating can qualify.

What are the costs?

Most costs can be rolled into the loan. • Normal closing costs. • Adjustable interest rate. • FHA mortgage insurance premium. • Small monthly servicing fee.

What if my house needs repair?

Funds from the reverse mortgage can be withheld to make the repairs.

What if I decide to sell my house?

You can sell your home at any time. The loan is then repaid and you keep the remainder of the equity.

Does the lender get the house?

No, you (and your heirs) remain the owner of the house. When you are done with the house, you or your heirs can sell the house. The loan is repaid and the remainder of the money is yours or your heirs. If your heirs want to keep the house, they would need to get a regular mortgage and pay off the loan.

How can I withdraw my money?

Your age, your spouse’s age, (in couples it is based on the youngest person’s age) your home’s equity and the expected interest rate determine how much you can receive. The older you are the more money you can access.

You can select from several withdrawal plans and you can change the plan during the course of the loan. • A line of credit to use as you wish. • Monthly payment until you leave the home or for a specified amount of time. • A combination of a line of credit and monthly payout. • A lump sum.

Who determines the value of my house?

Who pays the taxes and insurance?

How is a “Reverse Mortgage” different from a “Home Equity Loan?”

Will this affect my taxes?

How much can I get?

An FHA appraiser determines the value of your house.

With a home equity loan the borrower must start to repay the loan immediately. With a reverse mortgage no payment is due until the owner leaves the home, sells the home, or transfers the title.

What types of property qualify? • Single family homes, PUDs (Planned Unit Developments). • Duplexes, triplexes, fourplexes. • Farm houses. • Most condominiums. • Some manufactured homes.

What if I still owe on my house? You can still get a reverse mortgage if there is enough equity to pay off the existing mortgage. 26

Senior Housing Guide • www.seniorhousingguide.us

In most cases you pay taxes and insurance. No, it is a loan and the money is not taxed.

Are there any restrictions on how I spend my money?

There are no restrictions on how you spend your money. Some uses are: prescription drugs, pay back taxes, home improvement, pay off the house, making ends meet, take a vacation, purchase a car, or buy a vacation home.

Would I ever owe more than the house is worth? The loan is a non-recourse loan and you are only responsible for what the house sells for. Any loan amount greater than the sales price of the home does not have to be paid by your or your heirs.

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Is A Reverse Mortgage Right For You??

When is the loan repaid?

The loan is repaid when the last homeowner leaves the house, sells the house or transfers the title of the house.

What if I am currently receiving public benefits? If you are receiving public benefits that are income based, such as energy assistance, you may still be eligible for a reverse mortgage.

Why do I need to see a RM counselor?

For consumer protection it is required that anyone getting a Reverse Mortgage see an approved counselor. In Minnesota it is a law that you have this counseling prior to receiving any reverse mortgage. If your house is in Minnesota, the counselor must be from a HUD approved

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

counseling agency located in Minnesota. During the session the counselor will go over the reverse mortgage step by step, suggest other programs that can help you stay in your home, and explain the process in general. You will learn about reverse mortgages, so you can make the best decision for yourself. The length of the session depends on your knowledge of the product. Attending the counseling session does not mean that you are getting a reverse mortgage; it simply means you are interested in learning more about the product.

Sound too good to be true? Call Reverse Mortgage Counselors, Inc., 651-368-8516, for more information.

Staying

Your Home

Programs & Services to help you remain in your home Listed below are programs that can assist you; some can even help you remain independent in your home. For more resources be sure to read the section “Resources to Know About.” Some programs listed below have income eligibility restrictions or you may have to pay on a sliding fee scale. No phone # listed? Contact the Senior Linkage Line, 1-800-333-2433 or United Way 2-1-1, dial 211 and they can assist you. Sherburne & Wright counties Adult Day Services Faith & Action Program, 763-263-4277 q Adult Day Services – provide recreational and www.fia-sc.org – similar to block nurse program social activities, and meals and snacks during the plus cleaning projects, chore maintenance and day. Some adult day services offer specialized resources for caregivers. care for memory loss, health monitoring, and q Home Health Aides – provide help with personal medication administration. 763-464-2698 care including bathing and dressing. Delivery Services q Home Nursing Care – can include administraq Delivery Services – deliver a variety of items tion of medication, wound care, health education, including groceries and prescriptions. and monitor health situations.

Financial Services

Homemaking

Health Care

Home Improvement & Maintenance

q Bill Paying Services – some banks, social service agencies, money management services, and accounting firms will contract to help with (or do) bill paying. q Living at Home Block Nurse Programs nurses coordinate volunteer assistance, health services, and community resources to help people remain in their home. Outside the metro area, 800-320-1707, www.elderberry.org Ramsey County Como Park, 651-642-1127 Conway-Battle Creek, 651-793-8190 Hamline-Midway, 651-209-6542 Highland, 651-696-8425 Macalester-Groveland-Summit Hill, 651-696-6882 Merriam Park, 651-646-2301 North East, 651-808-1901 North End-South Como, 651-487-5135 Payne-Phalen, 651-774-7078 Roseville Seniors at Home, 651-604-3720 St. Anthony Park, 651-642-9052 Summit-University, 651-227-1367 West 7th, 651-298-5493 Hennepin County Longfellow-Seward, 612-729-5799 Nokomis, 612-729-5499 Southeast Seniors, 612-331-2302

Senior Housing Guide • www.seniorhousingguide.us

q Homemaker Services – offer light housekeeping, laundry, meal preparation, and shopping. q Cleaning Companies – light to heavy housecleaning.

q Accessibility Loans – help remodel a home and make it accessible. 651-296-8215, 1-800-710-8871 (see also home assessment.) q Chore Services – help with lawn mowing, snow removal, minor home repairs, and routine chores. q Commercial Lawn Care/Snow Removal – range of services for lawn care and snow removal. q Community Fix Up Fund – rehabilitation loans to those who cannot qualify for other types of assistance. 651-296-8215, 1-800-710-8871 q Heat Share – help with heating and other energy costs. 1-800-842-7279 q Home Assessments – home safety assessments to reduce risk of falling. Property assessments to insure or ensure home security. q Home Improvement – programs to help rehab houses, low-interest loans. 651-296-8215, 1-800710-8871 q Home Modification, Ramps – ramps can be purchased or rented in any configuration; no minimum size or rental period. q Paint-a-Thon – volunteers paint exterior of homes.

M. R. Services, LLC Mike Randall 612-599-3929

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Mike is a licensed and insured environmentally-conscious craftsman with 20+ years experience in construction along with years of experience repairing, remodeling, and restoring homes. • Bathrooms, Basements, Kitchens • Flooring Work (hardwood & tile) • Windows & Doors • Molding & Trim • Drywall (hang new or repair) • Painting & Staining • Replace Bath & Lighting Fixtures • Custom Closets • Deck Work • Fencing, Sidewalks & Patios • Siding, Roofing & Gutters

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Aging in Place Solutions

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Every Job Site Is Left Clean!

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Staying

Housing Alternatives

q Accessory Apartments – an apartment that an older person may reside in that is part of a larger home or vice versa. q Adult Foster Care – for those who need assistance with activities of daily living and enjoy living with a family. q Granny Flat or Echo Housing – a smaller house (sometimes a mobile home if zoning allows) that is situated beside a larger home. Usually the older adult would live in the smaller unit, thus the name “Granny Flat,” but the older person could remain in the larger house. q Golden Girl Homes – creative housing options for women who wish to live together. 612-3327200 q Nursing Homes – for those who need skilled nursing care.

Meals & Nutrition

q Fare For All – food shelf, call for a distribution site near you. 1-800-582-4291, 763-450-3880, www.fareforall.org q Food Share – assures that people have food; food banks. 612-721-8687. q Food Stamps – supplement grocery costs. q Meals on Wheels – meals delivered to homebound people. q Senior Dining Programs – low-cost meals in a group setting, 5 days/week. q Store to Door Groceries – groceries delivered to your door, 7-county metro area. 651-642-1892. q Grocery Delivery Service – groceries delivered.

Respite Care

q In-Home Respite Care – temporary care so caregivers can have time off. q Out of Home Respite Care – provided outside the home (see Assisted Living, Memory Care and Residential Care for places that offer respite care).

Senior Housing Guide • www.seniorhousingguide.us

Your Home

Safety

q Accessibility Loans – help remodel a home and make it accessible. 651-296-8215, 1-800-710-8871 q File of Life – medical information form completed and placed in refrigerator; stickers are placed on front door of house and on refrigerator door to alert medical personnel that medical information is available. q Telephone Reassurance – daily home check by phone. q Home Security Systems – alert people when someone is attempting a break-in; some systems will call police or fire department. q Personal Response System – allows person to call for help in an emergency using device worn on wrist or around neck.

Taxes

q Property tax refund – you may be eligible for a property tax refund; 651-296-4444, for a booklet, ask for M1-PR or download forms at www.taxes.state.mn.us q Property tax – reduction for blind and disabled people on their homestead taxes. 651-556-6087 q Retirees to the Rescue – Hennepin County property owners work off the county portion of their property tax. 612-348-6273

Telephone

q Telephone – discount on phone bill. Income restrictions. Call your local carrier for information.

Transportation

q Escort Services – accompany older adults and help with transportation, shopping, etc. q Metro Mobility – door-to-door public transportation system for people who cannot use regular bus service. q Hospital & Clinic Transportation – may offer rides to and from a person’s home. q Private Transportation – taxi, vans, etc. q Senior Center & Social Service Transportation transportation to the senior center and from there to other locations for shopping and events; Social Service Transportation - transportation to medical appointments, personal visits, and senior centers.

Home Health Care & Services Home Care encompasses a wide variety of services to people in their homes ranging from homemaking tasks, help with activities of daily living (tasks we do everyday cooking, cleaning, dressing, shopping, preparing meals, bathing, etc.), to companion care and skilled nursing care. Depending on the type(s) of care they provide, agencies must be registered and/or licensed. Agencies vary in size and services they provide, and may be specialized and provide one type of care or offer a full array of services. Home Care is appropriate when a person wishes to remain in his/her home and needs ongoing assistance, is recuperating from an illness or surgery, or as an alternative to long term institutional care. Home Care services can be paid in a variety of ways: privately, insurance, Medicare, Medical Assistance, Veteran’s Administration and Waivered Programs.

A Frequently Asked Question – Employing Mom’s Neighbor

My mother needs some help at home and her neighbor is available and wants to earn some extra money. She will do it for less money than a home care agency. Why shouldn’t I employ her? The answer to this is the word “employ”. You become the “employer” which makes you responsible if she injures herself while taking care of your mother. Also what happens if the neighbor is ill or out of town? Other questions you want to ask: does the agency do criminal background and driving record checks, how long has the agency been in business, and are they licensed by the state. For a list of questions visit the website of the Mn Home Care Association, www.mnhomecare.org.

Specializing in the care of

SENIORS for over 28 years!

www.intrepidusa.com Intrepid USA Healthcare Services, your home health specialist, serving the entire metro area. We’re proud to offer our Clinical Specialty Programs designed to empower and manage your disease and improve your quality of life. We offer: • Congestive Heart Failure • Deep Vein Thrombosis • Diabetes Mellitus • Wound Management • Amyotrophic Lateral Sclerosis

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• Pneumonia • Rehabilitative/Restorative Care • Asthma • Myacardial Infarction • Parkinson’s Disease • Cerebral Vascular Accident (Stroke) • Hypertension • Rehabilitative/Restorative Care • Chronic Obstructive Pulmonary Disease

Golden Valley 952-513-5400 Fax: 952-513-5444

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Burnsville 952-894-2663 Fax: 952-894-6387

Interested in advertising in the Twin Cities Housing Guide?

Place your trust in our care. Our personalized approach to Home Care ensures your

Remember the Guide is an annual publication, so you only get one chance a year. Reserve your space anytime! Preview next year’s cover on page 166. Call (651) 690-3141

loved ones can live independent and dignified lives. Call 612-977-3102 to speak with a Care Consultant or visit us at pinnaclehomecare.org

home care Home Care services for every stage of life.

Ranked 4th Largest Home Care Provider 2012 The Minnesota Business Journal

Caring for the Community Since 1902 612.617.4600 • www.mvna.org

Top 100 Place to Work and Winner of Meaningful Work Award 2012 Star Tribune Top 100 Work Places Ranking

Aﬃrming the Value of Life by...

• Support for the patient and family • Individualized care • Focus on comfort 763.531.2424 • www.hospiceofthetwincities.com

Services oﬀered:

• In-Home Skilled Nursing Care • Case Management • Therapies: Physical, Occupational, Speech • Post Hospital Care • ET Specialized Wound Care • Home Health Aides • Palliative Care • MINNESOTA LICENSED

• • • • • • • • • • MEDICARE/MEDICAID CERTIFIED

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• CHAP ACCREDITED

RN Case Management Nursing Services Social Workers Spiritual Support Physicians Services Music Therapy Pet Therapy Massage Therapy Vigil Volunteers Your Hospice. Your Choice.

• ACCEPT MOST MAJOR INSURANCE

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Ebenezer Adult Day Services… Making Each Day Count Adult Day Services can be a lifesaver for both the person who attends the program and the caregiver. Here’s a typical story shared by Ebenezer Adult Day Program.

An Ebenezer Adult Day Program Story

Max and Sadie are a typical couple in their 80s. Married for over 50 years, they did everything together. So when Max had a stroke, it was only natural that Sadie became his primary caregiver. Max used a wheelchair at home, where Sadie also helped to bathe him as well as helped him with other daily activities. After several months, their children noticed that Sadie was losing weight, seemed tired and irritable, and was not getting everything done around the house. Due to the increase in care needed for Max, Sadie quit her bridge group and other activities she used to enjoy because she didn’t have time. Max’s demeanor changed as well; a naturally gregarious man, he became withdrawn. He missed going out and meeting people. Fortunately, Max and Sadie’s care provider recommended they explore an Adult Day Center. After meeting with the Program Director, Max and Sadie found a great fit with an Ebenezer Adult Day Center near their neighborhood. While Max attended the Adult Day Center, Sadie had an opportunity to get things done around the house and take some time for herself. The day program has had an upside for Max as well. Max has made friends at the Adult Day Center where he enjoys getting out and sharing his stories. He also enjoys a whirlpool bath at the center, relieving Sadie of having to do this task at home. Sadie and Max feel that he is being well cared for at the Day Center and that Max is having a good time

when he goes. Both report that Adult Day has relieved a lot of stress in their lives. Their adult children have said that they noticed a more positive environment in their parents’ home and they are hopeful this program will help them continue to stay in their own home.

Adult Day Centers

The above story is just one example of how day centers can assist families/individuals. Adult Day clients spend time socializing and doing many activities such as exercise, arts and crafts, Life Long Learning, community outings, cooking, baking, and spiritual services/worship. But Adult Day is more than socializing for some. When needed, clients are assisted with daily cares – like bathing, medication administration, and specialized diets. Attending the centers can be funded through county, private pay, Veteran’s Administration or long term care insurance. The price of the Adult Day Center includes snacks and lunch at each location. The benefits of attending the Adult Day Center vary with each individual needs and situation. Families express to staff the benefits of having a place for their loved one to come for the day. This allows caregivers the opportunity to have time to do things they aren’t able to do while caring for their loved one. It also provides relief for the caregiver to know their loved one is in a safe positive environment, socializing with others instead of being isolated. Ebenezer Adult Day Centers are located in Burnsville, Hastings, Minneapolis, and Rosemount. These centers live up to the core values of Ebenezer by providing services for clients with dignity, compassion, and integrity. One client reported, “As a newcomer, I liked everything about Continued on page 61

Julie, a staff member from Ebenezer Ridges Adult Day Program, and Paul, who attends the program.

Senior Housing Guide • www.seniorhousingguide.us

The staff enjoys a good time, too! Ebenezer DayBreak staff at Halloween – from left to right: Carrie, Barb and Nanette.

Adult Day Centers Adult day centers provide care and services to people during the day. The care provided at the center is not on a 24-hour basis. Centers provide a variety of services such as health monitoring, rehabilitation, assistance

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

and

Services

with medications, etc. An excellent source of information is the Minnesota Adult Day Services Association, 763-464-2698 or www.madsa.org.

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

Hospice Care Hospice care is a package of services and programs provided to terminally ill persons and their caregivers. Hospices offer palliative care (services that do not cure illnesses, but produce the greatest degree of relief from the symptoms of a terminal illness) and supportive care. Services included are physical, psychological, spiritual and sociological care, and also bereavementâ&#x20AC;&#x201D; assistance to the family and caregivers after the death of the hospice patient. An interdisciplinary team of end-of-life specialists consisting of nurses, physicians, clergy/counselors, family caregivers and volunteers help provide care.

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

The left column gives the name of the Hospice provider and the right column lists payment options. Some Hospice providers care for people where they live while others require a move to the residence that provides the care, (Hospice Residences). Hospice providers who care for people where they reside will provide care wherever the person resides, which may be a single family detached home, a nursing home, an apartment, an assisted living residence and so on. For more information call Hospice Minnesota, 651-6590423.

Senior Centers, Community Centers, and Other Locations Where Can I Pick Up a Free Guide? The following locations have the “Twin Cities Senior Housing Guide” available free of charge. Keep in mind Senior Centers located in smaller towns may have limited hours. *Not a Senior or Community Center. These locations also have the Guide available free of charge:

Walgreens (some locations) • AARP Office, Mall of America • Libraries • Some Lunds & Byerlys (pharmacy area) If you would like to have one sent directly to you send $6: Housing Guide 1474 Sargent Ave. St. Paul MN 55015 Anoka County Andover..................... 763-767-5163 1685 Crosstown Blvd., NW (in City Hall) Anoka........................ 763-576-4661 1500 – 6th St. S. Blaine........................ 763-786-9375 9150 Central Ave. NE Blaine........................ 763-783-4707 Anoka Co. Comm. Action Prog. 1201 – 89th Ave., FL 1 Columbia Heights...... 763-706-3730 530 Mill St. NE Coon Rapids.............. 763-767-6473 11155 Robinson Dr. Fridley........................ 763-502-5150 6085 – 7th St. Fridley Ham Lake................... 763-434-0455 15544 Central Ave. NE Oak Grove (limited hours) 19900 Nightengale St. NW (if not open stop at City Hall, 763-753-1920) Stacy.......................... 651-462-5565 22817 Typo Creek Dr. NE Carver County *Chanhassen............. 952-227-1124 City Hall, 7700 Market Blvd. Chaska....................... 952-448-2023 1661 Park Ridge Dr. *Chaska..................... 952-448-9303 Talheim Apts., 407 N. Oak St.

Chisago County North Branch............. 651-674-8658 38790 – 6th Ave. (near uptown Maple Commons Senior Bldg.) Wyoming................... 651-464-6711 182 Forest Rd. (Coon Lk. Beach area, limited hrs.) Dakota County Apple Valley.............. 952-953-2345 14601 Hayes Rd. Burnsville................... 952-707-4120 296 W. Burnsville Pkwy. Eagan......................... 651-675-5550 1501 Central Pkwy. *Eagan....................... 651-675-4400 Dakota Co. Comm. Dev. Agency 1228 Town Center Dr. Farmington................ 651-463-4828 431 – 3rd St. Farmington Forest Lake................ 651-464-5833 767 SW 4th St. *Hastings................... 651-437-6775 Hastings Chamber of Commerce 111 E 3rd St. Inver Grove Heights......651-450-2469 8055 Barbara Ave. Lakeville.................... 952-985-4622 20732 Holt Ave. Rosemount................ 651-322-6000 13885 S. Robert Trail South St. Paul............ 651-457-9477 100 – 7th Ave. N. West St. Paul............. 651-450-8291 1200 Stassen Lane

Senior Housing Guide • www.seniorhousingguide.us

Hennepin County Bloomington, Creekside Center....... 952-563-4944 9801 Penn Ave. S. *Bloomington.............952-563-8937 Housing Rev. Authority 1800 W. Old Shakopee Rd. *Bloomington Walgreens 7845 Portland Ave. 7940 Penn Ave. S. 9800 Lyndale Ave. *Brooklyn Park, CEAP.....763-566-9600 6840 – 78th Ave. N. Brooklyn Park............ 763-493-8333 5600 – 85th Ave. N. Crystal....................... 763-531-0052 4800 Douglas Dr. Dayton...................... 763- 428-4692 18461 Dayton St. Eden Prairie............... 952-949-8050 8950 Eden Prairie Rd. *Eden Prairie Walgreens 8240 Flying Cloud Dr. Edina.......................... 952-833-9570 5280 Grand View Square #101 *Edina Walgreens 5033 Vernon Ave. 6975 York Ave. S. 4916 France Ave. S. Excelsior, (S. Shore)......952-474-7635 5735 Country Club Rd. Golden Valley............ 763-512-2339 200 Brookview Pkwy. *Hopkins City Hall..... 952-935-8474 1010 – 1st St. S. *Hopkins Walgreens 1511 Highway 7 540 Blake Rd.

Hennepin Co. cont.

minneapolis cont.

saint paul cont.

Maple Grove.............. 763-494-6514 12951 Weaver Lake Rd. *Maple Grove Walgreens 13611 Grove Dr. Minnetonka............... 952-939-8393 14600 Minnetonka Blvd. Mound....................... 952-472-6501 2590 Commerce Blvd. New Hope, Wynnetka Learning Center......... 763-504-6980 7940 – 55th Ave. N. Osseo......................... 763-424-7882 415 Central Ave.

North Side................. 612-287-3502 2912 Fremont Ave. N. Park Ave.................... 612-339-7581 1505 Park Ave. S. Pillsbury House.......... 612-824-0708 3501 Chicago Ave. S. Sabathani.................. 612-821-2306 310 E. 38th St. #106 Seniors Place............. 612-788-9186 1801 Central Ave. NE Skyway...................... 612-370-3869 950 Nicollet Mall, #290 Downtown Mpls, Skyway Level Southwest................. 612-822-3194 3612 Bryant Ave. S. *Walgreens 5415 Lyndale Ave. S.

Merrick...................... 651-771-3204 1526 E. 6th St. *Metropolitan Council................... 651-602-1428 Downtown, 390 Robert St., FL 1 Housing Dept./Resource Rm. Neighborhood House..................... 651-789-2505 179 Robie St. *Walgreens 2099 Ford Parkway, Highland Park West Seventh............ 651-298-5493 265 Oneida St.

Plymouth................... 763-509-5280 14800 – 34th Ave. N. *Plymouth................. 763-509-5410 City Hall, Lower Level 3400 Plymouth Blvd. Richfield.................... 612-861-9385 7000 Nicollet Ave. S. *Richfield, BMO Bank.............. 612-798-3379 6625 Lyndale Ave. S. *Richfield Walgreens 12 W. 66th St. Robbinsdale............... 763-531-1274 4100 Lakeview Ave. N. *St. Louis Park........... 952-924-2500 City Hall, FL 1 5005 Minnetonka Blvd. St. Louis Park............. 952-928-6444 6715 Minnetonka Blvd. *St. Louis Park Walgreens 7200 Cedar Lake Rd. Isanti County Cambridge................. 763-689-6555 333 – 3rd Ave. NW

Ramsey County *Arden Hills Walgreens 3585 Lexington Ave. N. Maplewood............... 651-748-7250 1945 Manton St. New Brighton............ 651-638-2130 400 – 10th St. NW Roseville.................... 651-604-3520 1910 W. Co. Rd. B *Roseville Walgreens 1110 Larpenteur Ave. Shoreview.................. 651-490-4770 4600 N. Victoria White Bear Lake........ 651-653-3121 2484 E. Co. Rd. F Saint Paul City Passport............. 651-232-1301 55 – 5th St. E., #203 Downtown, Alliance Bank Cntr. *CLUES...................... 651-379-4200 797 E. 7th St., Hablo Español Jewish Comm. Cntr.... 651-698-0751 1375 St. Paul Ave. Keystone.................... 651-603-6640 2000 St. Anthony Ave. Lyngblomsten............ 651-632-5330 1415 Almond Ave. *MacGrove Area....... 651-291-4190 BMO Bank, 522 Snelling Ave. S.

Minneapolis Am. Indian Center.......612-879-1700 1530 E. Franklin Ave. Centro Cultural Chicano Center...... 612-874-1412 1915 Chicago Ave., Hablo Español East Side.................... 612-782-6011 1700 – 2nd St. NE Metro......................... 612-374-3383 1209 Glenwood Ave. 39 Senior Housing Guide • www.seniorhousingguide.us

Scott County *Belle Plaine.............. 952-873-6215 Cardinal Ridge Apts. 22 W. State St. *Jordan...................... 952-492-2208 Schule Haus, 100 – 4th St. W. *New Prague............. 952-758-4401 City Hall, 118 Central Ave. N. *Prior Lake................ 952-447-9800 City Hall, 4646 Dakota St. SE *Savage....................... 952-894-4719 Lynn Court Apts., 4350 W. 12th St. Shakopee................... 952-233-9507 1255 Fuller St. *Shakopee................. 952-402-9022 Scott Co. Housing Authority 323 S. Naunkeag St. Sherburne, Washington and Wright Counties on next page.

The Guide is online at www.seniorhousingguide.us

Trailer Bungalow Cooperative Townhome Cabin Ranch Loft Homestead Casa Flat Abode Condominium Cottage Bungalow Domicile Villa Mansion Rowhouse Castle Apartment Shelter Dwelling

Whatever Word You Use, it Still Means HOME. St. Paul Housing Tour October 1, 2013 • 9 am to 4 pm.* *Subject to change. Tour a variety of housing options for those 55+. Transportation/lunch included • Minimal fee $33 • Limited to 22 participants. Participants must be able to board and deboard bus.

Call St. Paul Community Education 651-744-3072 to learn more about the tour! Registration starting August 1st.

Continued from page 39 Sherburne County Elk River.................... 763-241-4434 350 Evans Ave. *Big Lake.................... 763-263-4277 Faith & Action Program 20160 Co. Rd. 14 *Zimmerman............. 763-856-4082 12612 – 3rd Ave. S., Dining Site (in Pine Tree Manor Estates Senior Bldg.)

Washington County Bayport...................... 651-275-8907 263 – 3rd St. S. Columbus................... 651-464-8463 16319 Kettle River Blvd. (Tues. & Th. Only, 8-2) Cottage Grove........... 651-458-6650 8400 E. Point Douglas Rd. S. Forest Lake................ 651-464-5833 767 SW 4th St. Lino Lakes.................. 651-248-7023 1189 Main St. Mahtomedi................ 651-407-2034 1520 Mahtomedi Ave. # 3 *St. Paul Park.... 651-458-0936 ext. 0 Washington Co. HRA 321 Broadway Stillwater................... 651-439-9159 2300 Orleans St. W.

Senior Housing Guide • www.seniorhousingguide.us

Wright County Annandale................. 320-274-3891 30 Cedar Ct. Buffalo....................... 763-682-6036 206 Central Ave. Delano....................... 763-972-0574 234 – 2nd St. N. Monticello................. 763-295-2000 505 Walnut St. St. Michael................. 763-493-2711 405 E. Central Ave., #102

Moving On

Why Am I Considering A Housing Change? As you age your needs change. The starter house that you bought when you were first married may have been traded in a few years later for a larger one as children arrived. And now the house that you raised your children in may seem too large. The family room that you added seems empty and there is no longer a need for four bedrooms. The upkeep is time-consuming, it is expensive to run, the basement location of the washer and dryer is difficult and you worry about the house when you travel. It may just no longer be the house for you.

Deciding

Is it time for you or one of your loved ones to move, in order to have a more rewarding or less worrisome life? This quick quiz can help you decide.

you answer “Yes” to five or more statements, you should:

– consider looking for housing that better fits your needs, or

– start exploring ways to modify your house or your activities and responsibilities to make your daily life more satisfying and secure.* * See “Is a Reverse Mortgage Right for You?” for tips on a source of financial assistance.

For all of these reasons – and more – we face decisions about our housing needs. These decisions are never easy and require consideration. Read this section on moving and assess your housing needs and wants. Ask yourself, “Why am I considering a housing change?” Even if you are not ready to make a move – know your housing options so later on if you do need to make a change, you can make an informed decision that is best for you.

Move...15 Factors 1. Stairs and other structural features make it difficult for me or my spouse to move around in the house, and I worry about falls. 2. My neighborhood doesn’t feel as safe as it used to feel. 3. The property values in my neighborhood have gone up so much that I worry about being able to pay my taxes. 4. I can’t maintain my house and my yard the way I would like to. 5. I have a hard time remembering to take all my medications. 6. If I couldn’t drive, I would not be able to get to the grocery store, to doctor’s appointments, to religious services, and important social events. 7. I sometimes forget to tend to daily tasks.

Senior Housing Guide • www.seniorhousingguide.us

Consider

8. I’d like to travel, but I don’t, because I worry about my home. 9. My family and friends aren’t able to visit me or help me as much as they would like because we live too far apart. 10. I am not eating the way I should. 11. I worry a lot about the future. 12. I would like someone else to tend to housekeeping, cooking meals, and untangling things like monthly bills, health insurance, and other paperwork. 13. It is becoming a struggle to care for myself or my spouse in our current home. 14. Now that being near work and schools aren’t major considerations, I’d like to be closer to the people and places that play significant roles in my current life. 15. I would like to meet people I have things in common with.

Back To Basics:

Practical and (Mostly) Painless Tips on Ways to Pare Down Your Possessions You don’t have to know where you are moving or when in order to tackle one of the toughest parts of changing homes…eliminating the excess in your life. You can save pain and strain by downsizing. You’ll have fewer things to pack and move and an uncluttered home that is more attractive to buyers.

‘Tis A Gift to be Simple, ‘Tis a Gift to be Free

Most of us have too much stuff: everything from clothes to collectibles, hobby materials, things we’re storing for our children, and things we’ve been meaning to fix. If a move is in your future, start dealing with these surpluses now. Here’s how. Start simply. Tackle some of those dusty boxes in the basement or attic or the closet in the guest bedroom. Give yourself 15 minutes per box (take a timer, so you don’t get lost on memory lane), and create four piles: • things to keep and use, • things to give to family members or others, • things to sell, and • things to throw away. Assign colors to the various categories (e.g., red = stays, green = goes, gold = sell, black = toss) and stick on matching labels. • Get rid of things that you haven’t used in more than a year: clothes that don’t fit or are out of style, camping equipment, excess kitchen gear, spare parts and gadgets from the garage and shop, baby stuff. • Toss things that are broken or unsafe: old holiday lights, that waffle maker with the frayed cord, the wobbly playpen. • Distribute keepsakes. Give your children things you’ve been saving for them. See if those to whom you intend to leave artwork and furniture can accommodate it in their homes now.

Is this Great Aunt Mona?

Senior Housing Guide • www.seniorhousingguide.us

Memories and Keepsakes, Yours and Theirs

Does that mean that you should chuck everything that isn’t purely practical? Not at all. But keep only things that are truly essential. If the hippo paperweight your daughter made in third grade makes a place feel like home to you, then hold on to it. One man’s treasure is another man’s trash, as they say, and vice versa. This also applies to things you want to pass on to others. While you may expect that family members will admire your china or clock collection, what they may truly treasure is that battered red sled, piles of old comic books, or the family cookie jar. So check before you toss out things that may have sentimental value. Set a deadline by which things have to be taken away, though, or they may never leave. By the way, if you haven’t done so already, this is a good time to record who will receive which heirlooms. (If you don’t have preferences, do what some have done. At the next family gathering have people draw straws and take turns choosing items that are important to them.) Label objects with the names of who will inherit them, make a comprehensive written list of these bequests, and include it in your will or living trust. This is also a good time to capture the history connected with keepsakes. On separate sheets of paper, identify who is pictured in family photos and what the occasions are. Carefully tape the identifications to the backs of the images. Tie tags on objects (“Lena Olson Swenson’s washboard,” “the cradle my grandfather made”). Having a hard time letting go of something? Consider taking a photo of it to preserve the memory. When time allows, write down its story.

Moving an elderly loved one is a family project! Choose a REALTOR® that has the knowledge, experience, and heart to guide you and your family through the home-selling process. Ask me about the Move Manager bonus.

Pam Schlemmer REALTOR®, RSA, e-Pro, Relocation Specialist Cell 651-247-4309 • email: pjschlemmer@comcast.net

A Place for Everything

There are lots of options for things that you decide not to keep. You can give them away, you can sell them yourself, or you can contract with others to sell them for you. Charitable organizations are excellent destinations for goods that have service left in them. Call ahead of time to find out which items they accept and whether they have pick-up services. Get a receipt for tax purposes. Donate photos and other memorabilia to city and state historical societies and college and corporate archives. Take books and board games to hospitals, youth centers, and family shelters. Recycle magazines and newspapers. Take old motor oil, paint, and other

hazardous materials to the local waste disposal center. Sell items yourself via garage sales, classified ads, flea markets, swap meets, or online auctions such as eBay if you have the time, energy, and know-how. Or turn to others for those services. There are a wide variety of estate sale experts to consignment shops that sell items in their stores or on the Internet. Look in your local phone directory under ESTATES, CONSIGNMENT SERVICES, and THRIFT SHOPS. Remember: You’re not just moving to a new location, you’re moving to a new stage of life. The less you take with you, the less you’ll have to worry about and take care of. And the more time and energy you’ll have for other interests and activities.

Moving tips starting on page 44. 43

Senior Housing Guide • www.seniorhousingguide.us

Seven Steps

Well Begun Is Half Done Seven to nine

weeks before you plan to move: • Using a measured floor plan, determine which furniture you’ll take to your new home and where it will be placed. If you are downsizing think about using furniture that has a dual purpose, for example a coffee table that has storage capacity. • Ask movers for estimates (in writing). Ask about insurance and delivery time, as well as what items they can’t transport. • Moving yourself can be cheaper, but hiring a packing, moving company lightens the burdens considerably. Senior move firms like Rose’s Daughters, Senior Moves, or Twin Cities Senior Relocation Specialists can orchestrate the entire move or do part of it. They will even unpack and arrange your belongings the way you want, making sure lamps are plugged in, computers are hooked up and remote controls are programmed before they leave. Ask for a free consultation. • Identify items that can be sold, given away, or thrown out. • Open a bank account in your new locale. • Request copies of your medical records, one for you and one each to be sent to your new physician, eye doctor, and dentist. • Start using up things that can’t be moved; frozen foods and housekeeping supplies. 44

to a

Saner Move

On Your Mark

Four to seven weeks before your move: • Notify the post office and friends, relatives, and businesses about your change of address. Notify magazines that you subscribe to of your change of address. • Contact phone, gas, electric, cable, internet providers, and newspapers and arrange for services to be terminated. • Arrange for similar services at your new place. • Pick up dry cleaning, items being repaired or stored, things lent to others, your locker at the gym or golf club. • Sell unneeded items at a garage sale or donate them to charities. Arrange for friends and family to pick up things that you will be giving them. Remember if you are moving into a place that has dining, you will want to downsize your kitchen. You may want to eliminate large baking dishes and extra sets of dishes and utensils, but keep your favorite cookbook.

Senior Housing Guide • www.seniorhousingguide.us

Getting Set

Four to three weeks before you leave: • Have your car serviced for the upcoming trip. • Take pets to the vet for needed shots; get inoculation records. • Get refills for your medications – and arrange for prescriptions to be transferred to your new pharmacy. • Return library books and other things that you have borrowed. • Host a party that allows you to visit with people you won’t be seeing for a while. If you feel that the party would create more work for you, you may want to host the party at a restaurant.

The Countdown

Two weeks before the movers arrive: • Use quality supplies and get them in advance; packing tape, boxes, bubble wrap, etc. • Label your belongings with colored stickers indicating which room they will be moved into. • Start assembling your Survival Kit (see #6). • Consider which items should be loaded last and unloaded first (kitchen and dining items, sheets and towels that will be needed immediately). • Complete mail forwarding packet from post office prior to move.

P & D Day

That’s Packing and Departure Day • Secure pets so they don’t get loose, get injured, or nip or scratch movers. • Mark boxes clearly, noting the rooms they should be moved into and their contents. • When furniture is disassembled, collect the hardware in plastic bags, label them, and make sure they are packed with the furniture or put into your Survival Kit. Write down or photograph how things should be reassembled and what tools are needed. • Check behind doors and in drawers, cabinets, and the rafters for overlooked items. • Your movers will probably inventory the boxes; if not, before they are loaded number them and label each one with your name and destination address.

Surviving Until Your Things Arrive

If you are moving a distance and having your things moved by van, it can take days or weeks for a moving van to arrive. If you bring these items with you, you’ll have what you need until the rest of your belongings are delivered: • Essential items – Checkbook, credit/ATM cards, travelers checks, keys for luggage and vehicles, new housing, important papers (will, power of attorney, vehicle titles, proofs of insurance, prescriptions, AND mortgage or lease for new housing, moving agreement, inventory, contact information for building management and moving company), driving directions, area map, toiletries, prescription medications, vitamins, painkillers, old phone directories, alarm clock, flashlight, nightlight, extension cord, sleepwear, changes of clothing, coffee, coffee pot, tea bags, creamer, sweetener; pet food, bedding, cat litter, cell phone. • Really useful items – mediumsized pot, toaster, one place setting per person, can opener, cutting knife, salt, pepper, sugar, other seasonings; storage bags, dish soap, towels, toilet paper, facial tissue; hammer, nails, picture hangers, pliers, screwdrivers, measuring tape, duct tape; pens, paper, envelopes. • Wise to transport yourself – family pets, keepsake jewelry, address book, family medical and dental records, tax records (pack or mail copies); laptop Continued on page 46

Senior Housing Guide • www.seniorhousingguide.us

Moving? Let Rose’s Daughters Help. We do everything that daughters do for their parents: • packing • unpacking • planning • scheduling • measuring • sorting • downsizing • arranging • accessorizing

Free Estimates Under New Management with Someone You Know...

New Owner, Eddie McGill

(long time employee of Rose’s Daughters)

Palmer Drive aPartments The Best In Affordable Senior Living For Persons 62 And Better

2287 Palmer Drive, new Brighton, mn 55112

nbr064@metroplexinc.com • www.crossroadsnewbrighton.com

• Beautiful 3-Story Elevator Building • Rent Is 30% Of Monthly Income/ Income Limits Apply • 24-Hour Medical Emergency Monitoring System

• Beauty Salon • Lovely Spacious Apartments • Small Pets Accepted With Deposit • Caring And Friendly Residents And Staff

• Resident Activities • Community Room With Library • On #25 Bus Line To Downtown Minneapolis And Northtown • Fairview NE Clinic And Small Mall Nearby

Equal OppOrtunity HOusing MEtrOplEx ManagEMEnt COrp

Call Now For Application And Appointment, 651-631-2035

Allegiance Transportation

On time to your appointment, every time.

4 7 Day/Week Service 7 am - 7 pm 4 Wheelchair Transportation Specialists 4 Priority Service to East Metro Area 4 Private Pay 4 Veteran Owned

651-207-5211 46

Continued from page 45 computer (make back up disks and pack or mail separately) • Buy when you arrive – Broom, dustpan, mop, toilet brush, cleanser, garbage bags, light bulbs, breakfast food, sandwich fixings, soups, stews, and other easy to cook food; milk, juices, and other perishables

Lighten Your Load

• At your new place, make sure your utilities are connected and functioning, appliances are plugged in and turned on, and the thermostat is set at a comfortable level. Is your cable service hooked up? • Be present when your belongings are unloaded or have a representative there to accept delivery, check that all your boxes have been delivered and in good condition. • Make sure boxes are placed in the correct rooms and that their labels are all facing the same direction and can be clearly seen. • Set up the essential areas, the kitchen, the bathroom, the bedroom. Take the rest of your unpacking one box at a time, especially if you are physically or emotionally stressed. You don’t have to be organized in a day. Save some time and energy for exploring your new location and meeting your neighbors.

Senior Housing Guide • www.seniorhousingguide.us

Housing

About the Listings and Services

About the Housing Listings

• Ownership and Rentals • Market Rate and Subsidized Housing Options • • Independent and Assisted Living/Housing with Services •

When you read the housing listings, keep in mind properties change their rates at different times of the year. So the information that was current at printing may not be current a month later.

Keep in mind too, that this is meant only to be a GUIDE. We cannot include every detail, but have tried to give you enough information so you can narrow your search and start the elimination process.

About the Services

• Dining • Housekeeping • Laundry/Linen • • Personal Care • Van Transportation •

In independent living, you typically rent the apartment; your monthly rent is for the space you will occupy. In housing that contains services, the services are sometimes included in the rent or there is a “service package” that you can purchase. Sometimes there may be several “service packages” and you can find one that is most appropriate for you.

Remember to Ask Questions, Such as...

• How many meals per day are included? Are meals served 5 or 7 days a week? • How much housekeeping is included? And what does housekeeping include; dusting, floor mopping, cleaning the bathroom, etc. Does housekeeping mean once a month or once a week? • How much personal care is included? Can I purchase additional care if I need it and what will it cost?

Feel like you are moving the world? Lighten your load... 47

Senior Housing Guide • www.seniorhousingguide.us

• Does laundry/linen mean all my laundry or 2 loads per week? Will they only do linens? • “Van transportation” in the listing means transportation to scheduled events. What if I need transportation to a doctor’s appointment? Will they help me arrange the transportation?

If you are thinking about making a housing change, do your homework and be an informed consumer. Ask questions, visit residences more than once, attend open houses, ask for literature and go online to view residences’ websites. If you are helping a loved one, try to involve them as much as possible. The more they are involved in the search, the happier they will be with their new home. Remember, the more questions you ask, the better informed you will be and the better housing choice you can make!!!

... more tips on downsizing on our website.

Chart

Housing Options Typical Amenities & **Services

The services, amenities and types of care listed are representative of what can be offered; not all places offer all these and some offer more than what is listed.

Category

Who’s it For?

Type of Ownership

Ownership Condominiums, Townhomes, Cooperatives

Active Adults: may still be working, looking for amenities and to downsize. May or may not be age restricted. If no age restriction, typical age to enter 4548+ years old. If age restricted, age to enter is usually 55+.

Purchase: mortgage financing or private financing. Owners pay a fee for upkeep of common areas and fees can increase. In some cases a Reverse Mortgage can be used on a condominium or townhome.

Continuing Care Retirement Communities (CCRC) and Life Care Communities Studios, Apartments, Townhouses

Persons aged 55+ looking for an option that offers a “continuum of care” allowing residents to “age in place.”

Rent: residents of both communities pay rent on units and pay endowment fees.

Services: CCRC residents pay for services as needed and Life Care Community residents pay a flat fee for services. Both types of housing offer a continuum of care and full services.

Monthly rent can increase.

Amenities: convenience store, pool, bistro, walking/biking trails, virtual golf, fitness center/ program, sauna, business center, workshop, carwash, shuffleboard/basketball courts, billiards, craft, guest and community rooms.

Market Rate Rentals: 0-1-2 Services

Independent Adults: may or may not be age restricted, but mainly older adults, 45+.

Studios, Apartments, Townhomes

If age restricted, age is usually 55+.

Rent: tenants sign a lease that states amount of monthly rent, which can increase at the end of lease. The market determines the price.

0 Services to 1-2 Services: response system, scheduled transportation. Some may offer dining/meals. If more services are needed, you can usually bring in your own, via a home health care agency.

Rent: tenants sign a lease that states monthly rent, which can increase at the end of the lease. The market determines the price. Adding services can increase costs.

2+ Services: response system, help with laundry, personal care, housekeeping and meals/ dining program. You may be able to purchase services “unbundled” or “a la carte.” Some residences require residents purchase a service plan or “bundled” services. They may offer several plans and you can find one that suits your needs.

Market Rate Persons wanting 2 Rentals or more services: this section can vary Housing with greatly in the amount 2+ Services of services provided. Studios, May be part of a Apartments, “campus” and offer a Townhomes “continuum of care.”

Cooperatives may be either “market rate” or “limited equity.” Be sure to understand what each of these terms mean.

Usually 55+ to enter.

Senior Housing Guide • www.seniorhousingguide.us

Services: may offer a few services: dining, housekeeping, response system. If you need more services, you may be able to bring in your own via a home health care agency. Amenities: convenience store, pool, bistro, walking/biking trails, virtual golf, fitness center/ program, sauna, business center, workshop, carwash, shuffleboard/basketball courts, billiards, craft, guest and community rooms.

Amenities: convenience store, pool, fitness center/program, sauna, workshop, bistro, craft, carwash, billiards, guest and community rooms.

Amenities: convenience store, pool, bistro, walking/biking trails, virtual golf, sauna, fitness center/program, business center, carwash, workshop, shuffleboard courts, billiards, craft, guest and community rooms.

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

Continuing Care Retirement Communities Life Care Communities Continuing Care Retirement Communities CCRCs, and Life Care Communities both offer a continuum of care that allows residents to â&#x20AC;&#x153;age in place.â&#x20AC;? Campuses for these types of communities include separate housing for those who live independently, assisted living for those who need more support, and nursing home care for those who need skilled nursing care. Residents of CCRCs pay an endowment fee upon entering as do residents of a Life Care Community, but residents of CCRCs pay for services as they need them and Life Care residents pay a flat fee that remains the same as long as they live there. For both types of communities there is a second person fee for services.

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

Ownership Condominiums • Townhomes • Cooperatives

Condominium and Townhome Ownership

In condominium and townhome ownership residents hold the title to the unit in which they live, but common property such as halls, club house, parking garage, etc., is held jointly by all residents. A major difference between townhome and condominium ownership is that townhome residents own the land their unit occupies and condominium owners do not. Condominium residents own the land jointly. For both condominium and townhome owners, mortgages and taxes are the same as for any owned home, and fees are collected to cover the costs associated with the common areas. A reverse mortgage can be obtained on most condominiums and townhomes which can be useful if there is a substantial assessment. There is generally an elected Board of Directors that makes decisions for the group of owners.

Cooperative Housing

A corporation, composed of residents, owns and operates the property and residents purchase shares in the corporation in order to live there. Members sign an occupancy agreement in which they agree to pay a one-time membership fee as well as their portion of the mortgage and maintenance costs. “Limited equity” coops are those that allow the seller to realize only a certain amount of gain or profit when the unit is resold. Because the living space is not owned outright, there may be certain conditions in selling one’s membership and equity; these are explained at the time of purchase.

If you are thinking about a cooperative make sure you ask: • What is the share price? • Where can I obtain loan financing? • What does “limited equity” mean? • How much are the monthly carrying charges? • What is the underlying mortgage? • Are there resale restrictions?

Architectural Styles, Services and Amenities

Typically condominiums and cooperatives are much like an apartment, but they can vary in their architectural form. Townhomes or row houses usually have their own entrance and may be one or more stories tall with or without a basement. All three types may offer a few services, such as dining, but are usually designed for independent living. However, someone could arrange for services to be brought in. Because this type of housing appeals to active adults, many properties of this type have included amenities such as a clubhouse, pool and business center.

Questions for potential owners:

• What is the subletting policy? • What is the pet policy? • Can I obtain a reverse mortgage on my property? • Can I make alterations to my unit? • Is the building managed by a professional management company or do residents take care of the building themselves? • What about long-range planning? • How much money do they have in reserves? • What kind of assessments have they had or are they planning? Lake Shore Drive Condominiums • How much have the maintenance dues 6615 Lake Shore Dr., Richfield 55423 gone up in the past few years? We offer... • Check out the dues: Do they seem low & • Spacious one and two bedroom designs what do they cover? • 24-hour staffed security • Can I have a copy of the bylaws? • Across from Wood Lake Nature

Center • Exercise and game rooms, library, Live Among City Conveniences beauty shop, woodworking shop and Natural Wonders • Scheduled van transportation www.lsdca.org • email lakeshoredrive6615@yahoo.com • Close to shopping, medical, churches

Call us today at 612-861-7595

Senior Housing Guide • www.seniorhousingguide.us

Ownership Condominiums • townhomes • cooperatives

The Listings for Condominiums, Townhomes and Cooperatives:

site. Most websites offer photos and/or a virtual tour of the residence and the units. Sometimes all the units have been sold and there is no longer a need for an on-site marketing person. If this is the case you need to find a Realtor that specializes in this type of real estate.

When read from left to right, the listings cover:

6. Pets and pet deposit. If weight is given, pets must be approximately that weight or less. Fish and small birds or companion animals, with a doctor’s note, are usually not restricted. 7. The cost of a garage space: underground parking, UG, detached, Det, or attached, Att. If no fee is listed, it is likley 1 garage space is included with the unit. 8. Common areas: community room, CO, craft room, CR, exercise program, EP, exercise room, ER, guest room, GR, woodshop, WS, carwash, CW, business center, BC, computer room, CP, theater, TH, art studio, AT, chapel, CH. 9. Building amenities and services. Building amenities include Common Areas listed in column 8, but may also include a pool, spa, jogging/bicycle path, tennis/basketball court, movie theater, deli, store, coffee shop, fitness center, virtual golf and other amenities. Services can include: emergency response system, dining, housekeeping and scheduled van transportation. Use of these services may be included in fees or available at an extra charge.

The listings on the following pages give the residence or property name, phone number, and address. Enhanced listings also include (if available) the web-

1. Featured on page; learn more about the residence. IFC = Inside Front Cover, BC = Back Cover. 2. Number of floors, FL, and total number of units, U. 3. Types of units: studios and 1, 2, 3 bedroom units, and units with dens. Some complexes offer dens, which are windowless rooms, but are usually fairly good sized and can be used for a variety of purposes. Most condominium and cooperative buildings have 1 entry into the entire complex, while townhomes usually have 1 entrance that leads directly into the individual unit. Townhouse complexes are listed as townhomes. 4. Price range: the lowest and highest prices a unit sold for; sometimes cooperatives report their prices as a “Share Value” and you may need to purchase multiple shares. The term “Prices Vary” means the units sell for various prices based on amenities, square footage, view, etc. Some properties simply prefer you call for prices. Some cooperatives are “Limited Equity” coops which means at the time of sale, the seller receives a limited amount of equity. 5. Monthly dues: condominium and townhome owners pay a monthly fee for upkeep of common areas: halls, pool, parking lot, etc. For cooperative owners the monthly dues pay for upkeep of common areas and their share of the mortgage and carrying charges. Monthly dues are usually based on the size of the unit; the larger the size the higher the dues. 53

Senior Housing Guide • www.seniorhousingguide.us

Property Taxes – Typically condominium and townhome owners are responsible for their own property taxes while cooperative owners pay their taxes as part of their monthly dues. Be sure to inquire about taxes. Age to Reside – The usual age to live in this type of housing is typically 55 and older. If a couple is married, usually only 1 person has to be the required age.

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

Ebenezer Adult Day Services… Making Each Day Count (Continued) Continued from page 34

Ebenezer Adult Day Program. I feel welcome because everybody is so friendly.” Center hours vary at each location. Information can be obtained by contacting each director – Victoria at Burnsville and Rosemount Centers (952-898-3085), Nanette at Hastings Center (651-438-

Senior Housing Guide • www.seniorhousingguide.us

9800), and Deb at Minneapolis Center (612-879-2311). Since 1917, Ebenezer, a part of Fairview Health Services, has helped older adults and others make their lives more independent, healthful, meaningful and secure.

Trailer Bungalow Cooperative Townhome Cabin Ranch Loft Homestead Casa Flat Abode Condominium Cottage Bungalow Domicile Villa Mansion Rowhouse Castle Apartment Shelter Dwelling

Call St. Paul Community Education 651-744-3072 to learn more about the tour! Registration starting August 1st.

This fellow is a senior.

Senior dogs are often ignored when people adopt, but they make great experienced companions for people of any age. Rescue a senior dog and let ’em teach you a few new tricks.

Top Dog Foundation

www.topdogfoundation.org • (952) 353-2122

Senior Housing Guide • www.seniorhousingguide.us

Market Rate Rentals: Independent Living With 0 to 1-2 Services Apartments • Townhomes Rentals with income guidelines • rentals with entrance fees “Market rate” means a housing unit is paid for by rent, in the same way as any apartment. A lease is signed that states the monthly rent for a period of time and at the end of the lease the landlord can increase the rent. Apartment sizes can vary greatly. Studio and efficiencies are available to 1, 2, and 3+ bedroom apartments with one or more bathrooms. Complexes may offer several different versions of an apartment and costs can vary by adding a bathroom, sunroom, square footage, view, and etc. Costs can also be affected by the addition of services, such as housekeeping and meals. Typically, apartment complexes are low-rise or high-rise apartment buildings, but some units are available that are townhouses, where each unit has its own entrance.

Senior Housing Guide • www.seniorhousingguide.us

Rentals with Income Guidelines

Some developments may have all or a percentage of the units set aside for moderate-income residents as part of government financial help for the original development. These apartments are below market rate and renters pay a set amount for their monthly rent.

Rentals with Entrance Fees

In some types of residences, there may be an entrance fee. This fee helps bring down the monthly rental fee and is sometimes refundable or partially refundable.

Market Rate Rentals: Independent Living With 0 to 1-2 Services Apartments • Townhomes Rentals with income guidelines • rentals with entrance fees

The Listings for Market Rate Rentals, 0 to 1-2 Services:

The listings on the following pages give the name of the residence, phone number and address. Enhanced listings also include (if available) the website. Most websites offer photos and/or a virtual tour of the residence and the units.

When read from left to right, the listings cover:

1. Featured on page; learn more about the residence. IFC = Inside Front Cover, BC = Back Cover. 2. Number of floors, FL, and total number of units, U. 3. Cost of a studio apartment (small apartment with kitchenette) and 1, 2, 3 bedroom apartments and apartments with dens. Some residences offer dens, which are windowless rooms, but are usually fairly good sized and can be used for a variety of purposes. Apartment buildings and townhomes differ; apartments usually have 1 entrance that leads to many apartments and townhomes usually have 1 entrance into the unit. Townhouse complexes are listed as townhomes. 4. Amount of the security deposit and lease length, (year, YR, month-to-month, M-M). 5. Pets and pet policy. If weight is given, pets must be approximately that weight or less. Usually fish or small birds do not require a deposit. Companion animals, with a doctor’s note, are usually not restricted.

Senior Housing Guide • www.seniorhousingguide.us

6. Cost of a garage space: underground parking, UG, detached, Det, or attached, Att. If no fee is listed, it is likely 1 space is included in the rent. 7. Common areas, building amenities, and services (may be abbreviated): community, craft, computer, exercise and guest rooms, woodshop, carwash, business center, exercise program, beauty/barber shop, and library. Other amenities often available: pool, spa, garden, solarium, greenhouse, billiards room. Most places have more amenities than are listed. Income guidelines – apartments that have limits on how much money you can make. Income guidelines on some apartments – not all apartments in the complex have income guidelines; some are market rate.

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

Index Accessibility, Remodel, Bathtubs, Home Maintenance Bathtubs: Surface Specialists ��29 M.R. Services ��29 Senior Home Renovations, Aging in Place ��29 UltraShine: Window & Gutter Cleaning �� 9, 95 Attorneys Hennessey Law Office ��9 Terry Merritt, Lawyer ��15 Builders Weiss Builders ��10 Care Manager Care Management Solutions ��8 Optage ��7 Computers & Technology Computer Services ��12 Telephone Equipment Program ��10

Index Aquilla Commons ��84 Arbor Pointe Apts. ��81 Arthurs Residential Care ��16 Auburn Homes & Services ��87 Augustana Apple Valley Villa & Regent ��93 Avinity (formerly Twin City Christian Homes) ��87 Benedictine Health Care Center ��89 Calvary Center Coop ��82 Cardenas Friendship Homes ��15 Cardinal Pointe ��82 Carefree Cottages of Maplewood ��82 Catholic Eldercare �� 173, Inside Back Cover Cerenity Senior Care ��80 Cherrywood Pointe ��80 CommonBond Communities ��13 & 77 Como By The Lake Apts. ��63 Cottages of Vadnais Heights ��92 Covenant Village Of Golden Valley ��51 Crest View Sr. Communities ��Inside Front Cover Dakota County Comm. Dev. Agency ��86 Ebenezer Housing & Services ��78 & 79 Ecumen ��96 Epiphany Senior Housing ��81

Advertisers: Services

Ethical Wills & Legacy Letters Cathy Manning ��15 Health Plans U Care ��13 Home Delivered Meals Optage ��7 Home Health Care & Hospice Adult Help and Companion Care ��23 Intrepid Home Health Care ��31 MN Visiting Nurses Association ��32 Optage: Home Health Care & Hospice ��7 Pinnacle Home Health Care Svcs ��32 Information Providers Health Care Choices ��10 Senior LinkAge Line ��85 Senior Resources ��27 St. Paul Housing Tour �� 40, 62 Reverse Mortgage Counselors, Inc. ��24

Move Managers Rose’s Daughters, Moving ��45 Senior Moves ��43 Sort, Toss, Pack ��9 Pets Sidewalk Dog ��172 Realtors Realtor, Wendy Carson ��9 Realtor, Pam Schlemmer ��43 Reverse Mortgage Lenders Cambria Home Mortgage ��91 MarketPlace, Home Mortgage ��7 & 25 Security One ��22 Transportation Allegiance Transportation �� 7, 46

Advertisers: Housing

Gramercy Coop Lake Shore Drive ��94 Gramercy Park Coop Inver Grove Heights ��90 Gramercy Park Coop NW Plymouth ��84 Guardian Angels ��89 Hart Lake ��81 Jones Harrison ��90 Keller Lake ��94 Lake Shore Drive Condominiums ��52 Lino Lakes ��83 Lodge at White Bear ��85 Lyngblomsten ��63 Mary T. Inc. ��95 Millpond Apts. ��76 Nath Companies Sr. Apts. ��81 Nokomis Square �� 173, Inside Back Cover Oak Meadows Sr. Living ��92 Oak Ridge Place ��83 Osceola Place Apts. ��81 Palmer Drive Apts. ��46 Parkway Coop of Burnsville ��84 Pine Manor Apts. ��81 Presbyterian Homes & Services ��1 Realife Coop of Bloomington on Nicollet ��84 Realife Coop of Brooklyn Park ��84

Senior Housing Guide • www.seniorhousingguide.us

Realife Coop of Coon Rapids ��84 Realife Coop of Mounds View ��77 Red Oak Apts. ��15 RidgePointe of Minnetonka ��3 River Heights ��94 Riverview Highlands ��81 Rose Arbor & Wildflower Lodge ��95 RosePointe & RosePointe II, Senior Apts. �3 Shepherd of Grace Sr. Comm. ��80 & 97 Sholom East & West Sr. Housing ��83 Shores of Lake Phalen ��16 SilverCrest Properties ��90 SouthView Sr. Communities �� Back Cover St. Benedicts Sr. Comm. ��85 St. Paul Public Housing Agency ��76 Steven Scott Sr. Communities ��81 Summerhill Cooperative of Bloomington ��84 Summerhill Cooperative of Eden Prairie � 84 Twin City Christian Homes (now called Avinity) ��87 Valley View Cooperative ��93 Vernon Terrace of Edina ��16 Vicksburg Crossing ��2 Village Apts. of Shakopee ��76 Wealshire of Bloomington ��88

MILLPOND APARTMENTS A residence for those over 62 years old.

• Community Room • On-site Management • Elevator • Rent Based on Income • Equal Opportunity Housing

Village Apts. of Shakopee

Please call Barbara for an appointment

952.758.4333 210 1st St. N.W. New Prague, MN

Affordable housing near downtown Shakopee. Independent living apartments located on 4th Avenue East

W H E RE Y O U F IT I N

1440 4th East Avenue All Non-Smoking

Independent Living Within the Communities of the St. Paul Public Housing Agency

for adults who are at least 62 years of age or older.

1450 4th East Avenue Smoking Permitted 1428 4th East Avenue Becoming Non-Smoking Residents pay only 30% of their income for rent. Pet Friendly. Live close to grocery stores, shopping, post office, bank, dining, churches and the scenic Minnesota River.

555 Wabasha St N St. Paul, MN 55102 w w w. s t p h a . o r g

● ● ● ● ● ●

Rental CHSP Office: Manager: 651-298-4444 651-292-6035

Affordable Rents - Based on Income Private One Bedroom Apartments Secure Buildings Experienced Management and Maintenance Teams Social Activities 16 Locations

Maintain Your Independence With Aﬀordable and Individualized Services From St. Paul Public Housing Agency’s Congregate Housing Services Program (CHSP) Home-Based Services Include: ● Daily Meal Service ● Housekeeping and Laundry Service ● Individualized Service Coordination

Enjoy small town living near a metropolitan area, call us today if you are 62 years plus!

Need more information? Call us at (651) 690-3141

952-403-1086

Voted Best Source of Information for Older Adults

visit www.seniorhousingguide.us 76

Senior Housing Guide • www.seniorhousingguide.us

Over 40 Years of Affordable Housing

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

Stay-By-The-Day Memory Care now availaBle

of Roseville

Day-to-Day or Month-to-Month stays give caregivers the breaks they deserve. Cherrywood Pointe of roseville

offers insPiring ChoiCes

Call our Housing Coordinator at 651-633-0044 to discuss your needs.

www.cherrywoodpointe.com

CHERRYWOOD POINTE 2996 Cleveland avenue north Roseville, Mn 55113 651-633-0044

Inspiring Choices for Senior Living

of Roseville

Independent, AssIsted LIvIng, MeMory CAre And CAre suIte rentALs

Managed by ebenezer Management Services, an experienced provider of residential and health care environments for seniors since 1917. www.fairviewebenezer.org

Great Amenities Great Value Senior Living at its Best! Centrally located in Becker, the Shepherd of Grace Senior Community offers companionship, life enrichment programming and the convenience of maintenance-free living. Choose from independent living apartments, assisted living apartments and memory care cottages and make Shepherd of Grace your new home! For more information, please call

(763) 262-8000

ext 3000

11175 27th Ave SE Becker, MN 55308

Faith, Community, Compassion

Serving St. Paul, White Bear Lake and surrounding communities

Assisted Living • Memory Care • Enhanced Assisted Living Independent Living • Skilled Nursing • Adult Day Center Transitional Care • erapy Services

www.CerenitySeniorCare.org

Need more information? Call us at (651) 690-3141 • senior living apartments • assisted living • memory care cottages www.GoodShepherdCampus. org

Voted Best Source of Information for Older Adults

visit www.seniorhousingguide.us

Senior Housing Guide • www.seniorhousingguide.us

“Where “Whereneighbors neighborsare arefriends, friends,and andpeople people really really care.” care.”

Epiphany Assisted Living & Memory Care Epiphany Assisted Living & Memory Care 10955 Hanson Blvd NW—Coon Rapids

10955 Hanson Blvd NW—Coon Rapids

Senior Apartments

Epiphany Pines Epiphany Pines Independent Senior Housing 1800 111th Ave NW—Coon Rapids Independent Senior Housing

1800 111th Ave NW—Coon Rapids Call for a tour!

Call for a tour!

763-772-1066

EpiphanySeniorHousing.org

• Grocery Bus • • Social Events • • Near Bus Lines • • Emergency Pull Cords • • Great Neighbors and More • • On-Site Laundry • • Community Rooms •

ExcEptional living. affordablE pricing.

We like to make our tenants happy! Our priority is to attract and retain residents!

Steven Scott Senior Communities

Active Senior Living Three Convenient Locations

Pine Manor Osceola Place* Arbor Pointe* Senior 1 and 2Paul bedrooms from $850 • planned Circle Pines 55+ Living: St. Paul St. 763-784-2404 651-228-1042 651-793-5177 social activities • wonderful community amenities • elevators • heated 1 and 2 Bedrooms from $850, planned social activities, wonderful Steven Scott * community amenities, elevators, heated underground parking, • washers/dryers • spacious floor plans underground parking washers/dryers in some homes, spacious floor plans. Senior Communities

Active Senior Living Three Convenient Locations

cott ommunities

rivervieW HigHLAnDS st. paul 651-696-8420

Pine MAnor circle pines 1 and 2 Bedrooms from $850, planned social activities, wonderful community amenities, elevators, heated underground parking, 763-784-2404 Senior Living washers/dryers in some homes, spacious floor plans. venient Locations Pine Manor Circle Pines 763-784-2404

Osceola Place* St. Paul 651-228-1042

Arbor Pointe* St. Paul 651-793-5177

www.steven-scott.com

Osceola Place* St. Paul 651-228-1042

Arbor Pointe* St. Paul 651-793-5177

$850, planned social activities, wonderful elevators, heated underground parking, some homes, spacious floor plans.

www.steven-scott.com

*Income restrictions apply

oSCeoLA PLACe** st. paul 651-228-1042 *Income restrictions apply

ArBor PoinTe** st. paul 651-793-5177

scott.com 81

*Income restrictions apply

We are now accepting applications for subsidized one and two bedroom apartments.

HArT LAKe APArTMenTS columbia Heights 763-788-8686 fivE convEniEnt locations * in some homes ** income restrictions apply

www.stEvEn-scott.com

Senior Housing Guide • www.seniorhousingguide.us

Labor Plaza, St. Paul

(651) 776-3896

Glen Lake Landing, Minnetonka (952) 935-7710

Labor Retreat, Minneapolis (612) 378-2946

The Crystal, Crystal

(763) 537-8363

Regency Apartments, Mason City, IA (641) 424-0437

pstork@nathcompanies.com www.nathcompanies.com Equal Opportunity Housing

1, 2 & 3 Bedrooms Surrounded by Wildlife For those 62 and better Our Cottages: • 1 level walkouts with patios starting at $830 • No maintenance, yardwork, snow shoveling

Our Apartments: • Start at $810 (heat included)

All of our Units Offer: • Spacious Floor Plans • Large Open Kitchens • Ample Closet Space • Convenient Laundry Facilities (hook-ups in the cottages) • 24 Hour Emergency Maintenance • Occupant Controlled Heat and AC • Conveniently Located, Near Shopping • Trash, water and sewer included • Garages available

Community Amenities: Library, Hair Salon, Guest Suites, Grocery Transportation, Community, Exercise and Card Rooms

Call us today to schedule a tour!

651-770-7687

Senior Housing Guide • www.seniorhousingguide.us

Senior Living in Stillwater Committed to providing a quality home and environment for seniors. Oak Ridge Place makes service its first priority. In providing a team-oriented, caring and knowledgeable staff, Oak Ridge Place has built a solid foundation for its ongoing success, positive reputation and your satisfaction.

6060 Oxboro Avenue Stillwater • Minnesota • 55082 (651) 439-8034 www.oakridgeplace.net

Assisted Living and Memory Care…All For Your Comfort Our campus is designed for the comfort of our residents. Our staff members appreciate and are trained in the caring, professional values that create a culture of serving. It’s our pleasure to provide a comfortable atmosphere for you and those you love.

We are located at 725 Town Center Parkway, Lino Lakes, MN 55014 Call us today, (763) 267-6183, for a tour and/or visit online at linolakesal.com

Sholom

A tradition of love, honor and respect

Whether you are looking for someone to help your aging parent, or need more comprehensive assistance, Sholom can provide the help you need. m Sholom EaSt

740 Kay Avenue, St. Paul, MN 55102 (651) 328-2000 Skilled nursing, assisted living, memory care, home care & hospice, adult day care, HUD senior housing, short-term rehabilitation, and vitality & aquatics center

m Sholom WESt

3620 Phillips Parkway, St. Louis Park, MN 55426 (952) 935-6311 Skilled nursing, assisted living, memory care, market-rate senior housing, home care & hospice, HUD senior housing, short-term rehabilitation, and adult day care

m Sholom homE CARE & hoSPICE • (651) 328-2091 Available throughout the Twin Cities Metro area

www.sholom.com 83

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Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

Thinking about a Thinking move? about a move? The Senior LinkAge Line The Senior can help. LinkAge Line s 2ECEIVE OBJECTIVE HELP s 2ECEIVE OBJECTIVE HELP can help. %XPLORE HOUSING OPTIONS ss %XPLORE HOUSING OPTIONS

® ®

EVEry Day. EVEry Way.

s 2ECEIVE OBJECTIVE HELP s , ,EARN WHAT IS AVAILABLE EARN WHAT IS AVAILABLE s IN YOUR COMMUNITY s IN YOUR COMMUNITY %XPLORE HOUSING OPTIONS s #REATE A PLAN s ,EARN WHAT IS AVAILABLE s #REATE A PLAN IN YOUR COMMUNITY s 'ET CONNECTED TO SERVICES s 'ET CONNECTED TO SERVICES s #REATE A PLAN

We’ve Got You Covered.

s 'ET CONNECTED TO SERVICES

Full spectrum of senior services include Retirement living | Income based apartments | Assisted living | Memory care | Skilled nursing care

Our living options and benefits include Diabetic management program | Culinary arts chef St. Benedict’s Senior Community in Monticello is convenient to I-94 and local restaurants, shopping, places of worship, cultural activities, golf courses and other attractions.

Call (763) 295-4051

Find more resources at

for a complimentary lunch, tour and DVD. A faith-based, nonprofit organization. All faiths welcome. Equal Housing Opportunity EOE/AA

Find more resources at

www.centracare.com

Senior Housing Guide • www.seniorhousingguide.us

Find more resources at

Affordable, Independent Living Rental housing for seniors age 55+ in Dakota County • Apple Valley • Burnsville • Eagan • Farmington • Hastings • Inver Grove Heights • Lakeville • Mendota Heights • Rosemount • South St. Paul • West St. Paul

Dakota County CDA’s Senior Housing Program helps people 55+ find comfortable, elegant and affordable housing where they can live well into their golden years. We offer 26 senior housing communities located throughout Dakota County with over 1,500 apartment homes. Our residences feature community rooms with kitchens, underground heated parking, laundry facilities and one and two-bedroom apartments. For more information on our affordable senior housing, income limits or how to apply:

Call us today at 651-675-4400! Visit us online at www.dakotacda.org Income Limits

• 1 person household – $45,500 • 2 person household – $52,000

Rents

One-Bedroom Apartment • Based on 30% of household’s annual income. • Minimum rent = $373 • Maximum rent = $686 Two-Bedroom Apartment • Based on 32% of household’s annual income. • Minimum rent = $549 • Maximum rent = $869

Senior Housing Guide • www.seniorhousingguide.us

The best things in life have little to do with age. Executive Office 7645 Lyndale Ave. S, #110 Richfield, MN 55423 612.861.2799

Cloverleaf Courts 1011 Cloverleaf Parkway Blaine, MN 55434 763.784.0063

LEE Center 3220 8th Ave. E Hibbing, MN 55746 218.262.2166

Scandia Shores 418 W Highway 96 Shoreview, MN 55126 651.415.9793

Blaine Courts 701 85th Ave. NE Blaine, MN 55434 763.784.7174

Edendale Residence 16700 Main Street Eden Prairie, MN 55346 952.934.5016

Mainstreet Village 7601 Lyndale Ave. S Richfield, MN 55423 612.869.6584

WestRidge 11201 Fairfield Rd. Minnetonka, MN 55305 952.512.0547

www.AvinitySeniorLiving.org

Formerly Twin City Christian Homes

28694_SeniorAd2.indd 1

2/23/12 8:46 AM

Come Home to Auburn www.auburnhomes.org

CALL TODAY 952-227-0494

Now Open in Waconia! Auburn Meadows

    

Locations in Chaska and Waconia 87

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

Independent Living Assisted Living Skilled Nursing Care Memory Care Enhanced Care Rehabilitation Services

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

• OUTPATIENT AND SHORT-TERM REHABILITATION is provided by our highly trained in-house therapy team. • NEW – MOBILITY COURTYARD can speed up the healing process by offering various modalities in a beautiful outdoor setting.

• THE VILLA AT INNSBRUCK, a secure memory care unit with specially trained staff dedicated to caring for people with Alzheimer’s disease and other dementias. • HOLY SPIRIT CHAPEL offers quiet space for scheduled services and individual meditation.

• POST-ACUTE CARE including 28 private rooms with private bath, satellite TV and phone included.

BENEDICTINE HEALTH CENTER AT INNSBRUCK 1101 Black Oak Drive New Brighton, MN 55112

(651) 633-1686 www.bhcinnsbruck.org

CONVENIENTLY LOCATED off of Silver Lake Road & Hwy 694 on New Brighton

Senior Housing Guide • www.seniorhousingguide.us

Discover the BUZZ........

Touching hearts since 1888. Years Young!

1 8 8 8 - 2 0 1 3

Gramercy Park is... A Smart Investment A Smart Lifestyle! Discover Cooperative Living for Adults 55+at

Change is never easy. But when seniors need a higher level of care, they find that the compassionate, welcoming approach of Jones-Harrison makes the transition much easier. Visit us and see how we’ve made a heartfelt difference for 125 years.

Years

ASSISTED LIVING, SKILLED CARE, REHABILITATION

612-920-2030 jones-harrison.org 1 8 8 8 - 2 0 1 3

Gramercy Park

5688 Brent Avenue Inver Grove Heights Call us today! 651-450-9851

Going strong after 15 years! Find prices, floor plans, and availability at www.gramercyinvergrove.org

Senior Housing Guide • www.seniorhousingguide.us

Senior Housing Guide â&#x20AC;˘ www.seniorhousingguide.us

SHOES

BANK

dollar store WORK-OUT

Assisted Living

SHOPPING PHARMACY

Independent Living

GROCERY

EATS

Best Voted ment e r i t e R unity Comm 01! 20 since

vino

HAIR SALON COFFEE SHOP BIKES

CITY HALL

Memory Care Call us today at

651-578-0676 We are located at 8131 4th St. N Oakdale, MN 55128

COTTAGES OF VADNAIS HEIGHTS

Everything within walking distance from your single-level home. CALL FOR A TOUR • 651.484.9133 cottagesofvadnaisheights.com

www.oak-meadows.org

Income guidelines apply.

Interested in advertising in the Twin Cities Senior Housing Guide?

(651) 690-3141 • www.seniorhousingguide.us 92

Remember the Guide is an annual publication, so you only get one chance a year. Reserve your space anytime! Preview next next year’s Preview year’s cover cover on onpage page165. 166.

Senior Housing Guide • www.seniorhousingguide.us

SENIOR LIVING AT ITS BEST! Keeping you active and engaged.

CALL US TODAY FOR A PRIVATE TOUR!

Independent Living Apartments Assisted Living Options Adult Day Care (Apple Valley Location) Memory Care Suites | Care Suites Hate SHOVELING SNOW? And not crazy about MOWING? Love the SNOWBIRD LIFESTYLE? Or just looking for a SAFE, SECURE place for Mom and Dad? Valley View Cooperative of Eden Prairie is the place for you.

• nestled in a valley overlooking Lake Smetana with walking trails • yet close to amenities – mall, restaurants, golf courses • spacious 1 & 2 bedroom units with decks; 12 unique floor plans • comfortable, carefree lifestyle, maintenance free, on-site manager, activities, homey feeling, friendly people and amenities galore • share prices start at only $36,700 w/same tax benefits as home ownership • high resident satisfaction – our members really like it here!

Enjoy life to the fullest! Valley View Cooperative where you can Have It All... Call today for your personal tour: 952-943-9463. Don’t wait – make the transition now! 10785 Valley View Road • Eden Prairie, MN • 55344 www.ValleyViewCoopofEdenPrairie.com • ValleyViewCoop@gmail.com

Senior Housing Guide • www.seniorhousingguide.us

655 NORWOOD DRIVE, BIG LAKE, MINNESOTA

Premier Adult Community Deluxe Apartments

For Adults ages 55+

PRICED RIGHT! BUYERS DELIGHT!

“Life Doesn’t Wait. Why Should You?” AFFORDABLE SENIOR HOUSING FOR ADULTS 55+ • 8 beautiful, spacious 1-2-3 BR floor plans

• Adjacent to 150-acre • Breathtaking sunsets Wood Lake Nature Center and nature views

• All the advantages of home ownership and tax deductions

• Close to shopping, restaurants, churches and medical centers

Call for a tour today – don’t delay! 612-861-1378 COMPLEX FEATURES: 15-acre wooded park-like setting, walking path, daily noon meals, bi-weekly coffees, pot-lucks, cards, activities, scheduled programs; run by the staff and residents.

APARTMENTS for Rent 1 bedroom $672 per month 2 bedrooms $825-$890 per month

Laundry facilities, storage rooms, elevator, spacious main floor community room, library/game room, onsite beauty/barber shop and more.

FOR INFORMATION CALL

(763) 263-2363 94

Senior Housing Guide • www.seniorhousingguide.us

• Gramercy Park…where neighbors become friends • A washer and dryer in every home

Visit us at www.gramercylakeshore.com

Margaret Place Senior Apartments Senior Living at its best! • • • •

Twice daily wellness checks • Free cable and laundry On-site health care services • On-site beauty shop Emergency pull cords • Activities and transportation Delicious home cooked meals available

10% OFF FOR NEW CLIENTS

Senior Housing Guide • www.seniorhousingguide.us

Margaret Tjosvold, Founder

Call us at 763-754-2505 1555 118th Lane NW Coon Rapids, MN 55448 www.marytinc.com

EQUAL HOUSING OPPORTUNITY

Making life better. Making life better for seniors and their families. Ecumen is changing aging and providing solutions when and where they’re needed – in our customers’ homes and locations across the country. Visit Ecumen.org for more info on our Metro locations and an on-line Resource Library.

Ecumen at Home Twin Cities 651-766-4444 Ecumen Centennial House Apple Valley, MN 952-891-2711 Ecumen Lakeview Commons Maplewood, MN 651-770-1111 Ecumen North Branch North Branch, MN 651-237-3000 Ecumen Oaks & Pines Hutchinson, MN 320-234-0873 Ecumen Parmly LifePointes Chisago City, MN 651-257-0575

Over 35 Twin Cities & Upper Midwest Locations 1-800-221-1507 | www.ecumen.org 96

Senior Housing Guide • www.seniorhousingguide.us

Ecumen Prairie Lodge Brooklyn Center, MN 763-233-0641 Ecumen Seasons at Apple Valley Apple Valley, MN 925-698-5300 Ecumen Seasons at Maplewood Maplewood, MN 651-756-1859 St. Olaf Residence North Oaks on Emerson Minneapolis, MN 612-522-6561 The Harbor at Peace Village Norwood Young America, MN 952-467-3692

Market Rate Rentals: Independent Living Housing With 2+ Services Apartments • Townhomes • Campus Style Communities This section explains market rate rental housing that offers two or more supportive services. Rental housing that offers services is similar to other market rate rentals where you pay a monthly fee to occupy a space and there is usually a lease and deposit required. Read more about market rate rentals in the previous section. Rentals that offer services may include the cost for services in the rent or they may be purchased a-la-carte. So, if you are a person that likes to winter in Arizona, you may want to consider how the services are paid for; in the rent or separately. You may also be able to purchase a package of services and they may have different packages available,

so you can choose the one that best suits your needs. In terms of services, apartment complexes can vary greatly; they can offer a couple of services or all of them. Some residences offer a full array of services which includes a “continuum of care.” This type of housing may be a “campus style” setting with assisted living and memory care nearby, but in separate buildings. It may also be a mix of independent and assisted living apartments in the same building or in separate wings of the building. More detailed information about “Assisted Living” is included in the Guide in a separate section.

Located on our Becker campus, the Shepherd of Grace Senior Community offers convenience, companionship and maintenancefree living. Call for a tour today!

assisted living senior apartments memory care cottages

www.GoodShepherdCampus.org

Senior Housing Guide • www.seniorhousingguide.us

(763) 262-8000 ext. 3000

Market Rate Rentals: Independent Living Housing With 2+ Services Apartments • Townhomes • Campus Style Communities

The Listings for Market Rate Rental Housing, 2+ Services:

When read from left to right, the listings cover:

1. Featured on page; learn more about the residence. IFC = Inside Front Cover, BC = Back Cover. 2. Age restrictions: minimum age to reside. If blank there is no age restriction. 3. Number of floors, FL, and total number of units, U. 4. Cost of a studio apartment (small apt. with kitchenette) and 1, 2, 3, bedroom apartments and apartments with dens. Some residences offer dens, which are windowless rooms, but are usually fairly good sized and can be used for a variety of purposes. Apartment buildings and townhomes differ; apartments usually have 1 entrance that leads to many apartments and townhomes usually have 1 entrance into the unit. Townhouse complexes are listed as townhomes. 5. Amount of the security deposit and lease length (year, YR, month to month, M-M). 6. Pets and pet deposit. If weight is given, pets must be approximately that weight or less. Usually fish and small birds do not require a deposit. Companion animals, with a doctor’s note, are usually not restricted.

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Scheduled Van Transportation

Personal Care

Assisted Living, Memory Care, Care Suites, Nursing Home

Housekeeping

Campus or On-Site:

Response System

Common Areas

Garage per Month

Pets / Pet Deposit

Studios, 1, 2, 3 Bedroom, BR, Apartments, Apts. with Dens, & Townhomes

Security Deposit / Lease

# Floors, FL / # Units, U

Residence, Phone # Address, City, Zip Code Website

Age Restriction

Housing with 2+ Services

Featured on Page

Market Rate Rentals

Dining

Basic Services

Building Description & Features

7. Cost of a garage space: underground parking, UG, detached, Det or attached, Att. If no fee is listed, it is likely 1 space is included in the rent. 8. Common areas and building amenities: community room, CO, craft room, CR, exercise program, EP, exercise room, ER, guest room, GR, Woodshop, WS, Carwash, CW, business center, BC, beauty/barber shop, BS, library, Lib, computer room, CP, theater, TH, art studio, AS, chapel, CH, pool, golf course, tennis court and others. 9. Types of housing as part of a Campus or On-Site (within the building): independent living, IL, assisted living, AL, memory care, MC, care suites, CS, nursing home, NH. 10. If there is an emergency response system. 11. If dining/meals are available. 12. If housekeeping help is available. 13. If personal care is available. 14. If scheduled van transportation to shops, grocery stores, etc. is available. Any of the services 10-14 above may be included Incl in the rent or provided at an extra charge EC. If blank, it means the service is not available at the residence or No.

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Subsidized Rentals Apartments â&#x20AC;˘ Townhomes It can take time to qualify for and find housing that is affordable. But the result can be worth the effort. The options range from private and public housing that is designated for seniors to vouchers that you can use in a variety of locations. Rents in these facilites vary according to ability to pay, based on gross income, (before taxes or Medicare deductions), and assets. Assets include income from Social Security, wages, pensions, welfare, etc., and interest or dividends from IRAs, Certificates of Deposit, stocks, and bonds. With assets such as stocks and bonds, only the interest from the asset is counted as income. Assets such as cars and clothing are not counted.

Types of Subsidies

Subsidies for apartments vary, but the most common subsidy requires the renter pay 30% of their gross income for rent. Another subsidy has a rent range, meaning there are lower and upper limits to how much rent you are required to pay based on your income.

Privately Owned Subsidized Housing Privately owned subsidized housing has many different managers and landlords. Typically, buildings are three stories or less and located in the suburbs. You apply to the building of your choice and you can be on several waiting lists at once. Income eligibility varies from county to county. Contact your local Housing Redevelopment Authority (HRA) for income eligibility; phone numbers are listed in this section.

Public Housing

These apartments are publicly owned and operated by the Minneapolis Public Housing Authority and the St. Paul Public Housing Agency. Some buildings are

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a mix of people, while others are designated for older adults. Usually the buildings are highrises located in the city near bus lines, clinics, and shops. Income guidelines are given at the end of this section.

Supportive Services

Services can be provided on-site and include help with housekeeping, laundry, and meals. Personal assistance with grooming, dressing, and bathing is also available. Payment for services is on a sliding-fee scale.

Amenities and Services

Amenities differ from building to building, but most buidings have community and laundry rooms and elevators. Some subsidized buildings also have services available. Wheelchair-accessible apartments are available.

Housing Choice Vouchers

Housing choice vouchers help low-income people pay for housing in the private market. Tenants must find their own apartments. They pay a portion of the rent and the government pays the remainder. Subsidies that are tenant-based stay with the person. Even if you move you can usually keep your subsidy. The process of getting a voucher can be lengthy; waiting time can be one to two years and once you obtain a voucher you still have to apply to a property in order to live there. Visit the Housing Link website, www.housinglink.org, to find landlords who wish to participate in this program. To apply for a voucher, call the Housing Redevelopment Authorities, phone numbers on the next page.

Subsidized Rentals Apartments • Townhomes

The Listings for Subsidized Rentals:

9. Building amenities: post office, PO, library, Lib, community room, Comm Rm, response system, Res Sys, grocery delivery, Groc Del, underground parking, UG. 10. Area features: a downtown location usually means the residence is close to shopping, grocery store, bank, post office, pharmacy, Rx, and near or on a bus line.

When read from left to right, the listings cover:

1. Featured on page; learn more about the residence. 2. Number of floors, FL, and total number of units, U. 3. Number of studios (small apartments with kitchenettes) and 1 and 2 bedroom apartments. 4. Income eligibility limits: Low Income, LI, and Very Low Income, VLI. 5. If rent is based on a schedule, the least a renter would pay to the highest amount a renter would pay, based on income. 6. Pets and pet policy. If weight is given, pets must be approximately that weight or less. Usually fish and small birds do not require a deposit. Companion animals, with a doctor’s note, are usually not restricted. 7. If a service coordinator is available to help arrange services: meals, help with housekeeping, laundry and personal assistance. 8. If someone is available that speaks a language other than English: Arabic, A, Hmong, HM, French, FR, Sign Language, SL, Spanish, SP, Somali, SO, Russian, R.

How much Rent Would I Pay in Subsidized Housing?

Rent is usually based on 30% of yearly gross adjusted income. Income is figured on social security, pensions, earnings from employment and welfare, interest earned from checking/savings accounts, and etc., and income or interest earned from Certificates of Deposits, IRAs, bonds, stocks, and etc.

Income Guidelines for Minneapolis and St. Paul

Low Income: 1 person: $45,500/2 people; $52,000* Very Low Income: 1 person: $29,400/2 people: $33,600* *subject to change

Housing Redevelopment Authorities Counties – Housing Redevelopment Authorities • Anoka, Carver, suburban Hennepin & suburban Ramsey: 651-602-1428 • Chisago & Isanti: 763-689-3883 • Dakota: 651-675-4400 • Scott: 952-402-9022 • Washington: 651-458-0936 111

Cities • Bloomington: 952-563-8937 • Plymouth: 763-509-5400 • Richfield: 612-861-9770 • St. Paul: 651-298-5158 • South St. Paul: 651-554-3270

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Assisted Living Market rate rental apartments with supportive services There are many terms that describe the combination of housing and services which can vary from state to state. In Minnesota, “Housing with Services” typically means that some or all of the following services are available to some extent: dining, housekeeping, laundry and personal care. “Assisted Living” residences have the same services, but in order to be considered “Assisted Living” the services have minimum requirements: 2 meals daily, daily check system, weekly housekeeping and laundry service, assistance with 3 or more of the activities of daily living (dressing, grooming, bathing, eating, transferring, continence care and toileting), and assistance in arranging transportation, and accessing community and social resources. Additionally health related services must include assistance with self-administration of medication or administration of medication, supervised by a Registered Nurse. Assisted Living residences must also have staff available who can respond 24/7 to requests for assistance with health or safety needs.* These types of residences range from cozy single family homes with a few, 5 to 10 residents; (see also the section on Residential Care Homes) to larger complexes that have 100 plus residents. They may be stand alone or part of a campus offering a continuum of care. Some costs are basic, but they also depend on the level of care and as a person’s needs change, so can the level of care. Services are paid by the resident, either separately or as a part of the rent. In some circumstances Alternative Care (AC) or Elderly Waivers (EW) may cover some or all of the costs. An excellent consumer checklist for assisted living can be found on the Assisted Living Federation of America’s website www.alfa.org. * Some settings that have 12 or fewer residents may qualify for an exemption permitting them to use staff who are allowed to sleep, but can be awakened in order to respond to health or safety needs.

Long Term Care Options Counseling: Know all of your options Submitted

by the

Minnesota Board

Are you thinking about moving to an Assisted Living or another type of housing with services setting? Studies show people who do not plan ahead, often spend more of their hard earned money and are less informed to deal with a long term health crisis. Don’t wait, plan now. Get information and assistance to understand the risks you might have that could lead to the need for an expensive move. Understand how to manage those risks. Consumers who are looking to move from their home due to their age or health should call the Senior LinkAge Line® One Stop Shop for Minnesota Seniors at 1-800-333-2433. When you call, you will be able to: Compare your housing choices. Review ways to bring services into the home to avoid a move. Long Term Care Options Counselors who answer the Senior LinkAge Line® One Stop Shop for Minnesota Seniors can connect calls to: • home care options • chore services (shoveling, lawn maintenance, and 132

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Aging

other handy person home maintenance) • home modifications • medication education • technology options including sensing technology and personal response systems The best time to call and get help is now; don’t wait until the crisis when you are forced into emergency quick decisions. When you call we will help you look at your risks, find services that may be helpful to you to manage the risks, and help you learn about ways to pay for services and use your benefits, such as health and long term care insurance, Medicare and other resources. There is a new requirement in Minnesota for those who are thinking of making a move. As of October 1st, 2011 any individual who is thinking about moving into a registered housing with services setting (including those with the additional designation of assisted living) will need to call for Long Term Care Options Counseling. Contact the Senior LinkAge Line® One Stop Shop for Minnesota Seniors at 1-800-333-2433 Continued on page 171

Assisted Living Market Rate Rental ApaRtments with supportive services

The Listings for Assisted Living:

When read from left to right, the listings cover:

1. Featured on page; learn more about the residence. IFC = Inside Front Cover, BC = Back Cover. 2. Age restrictions; minimum age to reside. 3. Number of floors, FL, and total number of units, U. 4. Cost of shared or companion suites and cost of private suites (usually no kitchen). Cost of studio apartments and 1 and 2 bedroom apartments (usually with full or partial kitchen). 5. Fee to enter, Security Deposit and lease length, (year, YR, month to month, M-M). When a Fee is required it may or may not be refundable. 6. Common areas: community room CO, craft room CR, exercise program, EP, exercise room, ER, guest room, GR, beauty/barber shop, BS, library, Lib, computer room, CP, theater, TH, art studio, AT, chapel, CH. Most places have a community room, so the more interesting amenities were listed. Other amenities often available: pool, spa, garden, solarium, greenhouse, billiards room, and etc. 7. Pets and pet deposit. If weight is given, pets must be approximately that weight or less. Usually fish and small birds do not require a deposit. Companion animals with a doctor’s note are usually not restricted. 8. Types of housing as part of a Campus or On-Site: independent living, IL, memory care, MC, care suites, CS, nursing home, NH. 9. Types of payments for services: private, P, Elderly 133

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9 10 11 12 13

Scheduled Van Transportation

Personal Care

Housekeeping

Laundry / Linen

Dining

Payment for Services

Campus or On-Site:

(usually full or partial kitchen)

Basic Services Independent Living, Care Suites, Memory Care, Nursing Home

& Studios & 1, 2 Bedroom, BR, Apartments

Common Areas

(usually no kitchen)

Pets & Pet Deposit

Shared & Private Suites, Ste,

Fee / Security Deposit / Lease

# Floors, FL / # Units U

Residence, Phone # Address, City, Zip Code Website

Age Restriction

Assisted Living

Featured on Page

Building Description & Features

Waiver, EW, Alternative Care, AC. 10. Dining or other food service/meals program. 11. Housekeeping help, assistance with cleaning. 12. Laundry and linen service. Laundry is personal clothing and linen is towels and sheets. If Incl and EC are both listed it usually means that linens are included, Incl, in the fee, and personal laundry is an extra charge, EC. 13. Personal care can be purchased in many ways; a certain amount of care can be included in the rent, with more care available at an extra charge or it can be priced separately from the rent. If two residents live together, they usually pay for care individually. 14. If scheduled van transportation to shops, grocery stores, etc. is available. Response System – almost all assisted living residences have an emergency response system. Memory Care – in assisted living staff can usually care for residents that have a mild memory loss as long as they do not wander. Short Term/Respite Care – many residences offer short term stays or respite care; a minimum stay or payment may be required. Any of the services 10-14 above may be included, Incl, in the rent or provided at extra charge, EC. If blank, it means the service is not available at the residence or No.

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Subsidized Rentals

with

apartments

Services

People who need an affordable apartment can also have services based on their income or a sliding fee scale. Services are provided on-site and can include assistance with housekeeping, laundry, meals, and on-call nursing. Personal assistance with grooming, dressing and bathing may also be available. All subsidized buildings have community and laundry rooms and recreation and social activities. Some community rooms are equipped with televisions, pool tables, libraries and card and game tables. A weekly, mobile postal office, bookmobile, milkman, and grocery bus or shopping bus help residents take care of their shopping needs. Some buildings have an ‘OK’ Care Program, where residents must hang an ‘I’m OK’ card on their door by a certain time or someone checks on them. Most are located for easy access to bus lines and shopping. All buildings have wheelchair accessible apartments. Read more about the different types of subsidized housing in the section “Subsidized Rentals.”

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Heritage Park Senior Services Center

Heritage Park Senior Services Center is now open at 1015 - 4th Ave. N. in Minneapolis. Situated by two senior housing communities, Heritage Commons at Pondâ&#x20AC;&#x2122;s Edge and the Thomas T. Feeney Manor, the trio comprise what is known as the Heritage Park Seniors Campus. The Heritage Park Senior Services Center offers health and wellness services to older adults whether or not they live in Minneapolis Public Housing. The center also houses the Open Circle Adult Day Center. Other partners include the YMCA, Courage Center, Heritage Seniors Clinic, and the Minneapolis Highrise Representative Council. For more information about the Heritage Park Senior Services Center call 612-344-2221.

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Memory Care Dementia & Alzheimer’s Residences A growing number of residences specialize in care for people with Alzheimer’s and related symptoms of dementia. Some are stand alone facilities that are “Dementia Only,” while others are a specialized unit in a nursing home or an assisted living facility. Another type of residence for people with memory care needs is Residential Care Homes. Read about them in the section, “Residential Care Homes.” Twenty-four hour supervision is required along with security systems to safeguard residents. Residents may have shared or private rooms or small apartments. Some costs are basic, but they also depend on the level of care a person needs. Residences may have specialized building features that help minimize confusion and agitation; secured wandering paths, color-coded hallways, visual cues. Professionally run communities provide ways to help build self-esteem, preserve dignity, nurture independence, and remind residents of a happy time and place. Often, repeated basic skills and familiar tasks or routines help stimulate the mind and keep residents from feeling isolated or confused. Of course nothing can compare to the attention of family and friends and many communities are extending visiting times and are providing private gathering places for people within the residence.

The Listings for Memory Care:

The listings on the following pages give the name of the residence, phone number and address. Enhanced listings also include the website (if available). Most websites offer photos and/or a virtual tour of the residence and the units.

When read from left to right, the listings cover:

1. Featured on page; learn more about the residence. IFC = Inside Front Cover, BC = Back Cover. 2. Highest level of memory care that can be provided to residents, Mild, moderate, Mod, and Late. 3. Number of residents. 4. Cost of shared or companion suites and cost of private suites, (usually no kitchen). Cost of studio apartments and 1 and 2 bedroom apartments (usually with full or partial kitchen). 5. Fee and security deposit. When a fee is required, it may or may not be refundable.

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6. Types of housing as part of a Campus or On-site (within the building): independent living, IL, assisted living, AL, care suites, CS, nursing home, NH. 7. Types of payments for services: private, P, Elderly Waiver, EW and Alternative Care, AC. Lease and Services – Most residences offer a monthto-month lease with a basic level of services that include meals, housekeeping, laundry and some personal care. If more personal care/services are needed most places have other packages that can be purchased.

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Residential Care Homes General Care & Memory Care Residential Care Homes offer the opportunity to receive the assistance you need in an intimate home setting – in a real house located in a residential neighborhood. They offer professional services with a high ratio of staff available to assist as needed. These services range from very basic assistance or reminders, to memory care and complex service needs. The small setting offers the opportunity for individualized care which caters to unique needs and preferences. Most operate with a philosophy of care that allows “aging in place,” with more intensive services available as care needs progress. These homes offer a “hands-on management” approach. Most have owners available on site. They are licensed in a variety of ways, all of which involve regulation and inspection by state, county and/or local agencies. The intimate, family feel of these homes make them an excellent choice for memory care, with natural comfort stemming from the home environment. You can visit many residential care homes at www.residentialcare-mn.org.

The Listings for Residential Care Homes:

The listings on the following pages give the name of the residence, phone number, contact person, city and zip code. Enhanced listings also include (if available) the website. Most websites offer photos and/or a virtual tour of the residence and the units.

When read from left to right, the listings cover:

1. Type of Care: General Care, GC and/or Memory Care, MC. General care includes asssisted living. 2. Cost of shared, S, or private, P, room as a daily or monthly rate. 3. Payment types for services: private, P, Alternative Care, AC, Elderly Waiver, EW, Community Alternatives for Disabled Individuals, Cadi, (for people less than 65 years old), Traumatic Brain Injury, TBI. 4. If you can have pets with approval. 5. The number of hours a week a nurse is on call and number of hours a week a nurse is on site. 6. If there is 24-hour awake staff, AS, and/or night monitor, NM. 7. If there is a 1 or 2 person, 1 P / 2 P, or a mechanical lift, ML, transfer assistance available. 8. If staff provides assistance with medication management: reminders, set-up, administration. 160

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9. If staff will assist residents with the activities of daily living: bathing, dressing, grooming, etc. 10. If staff provides assistance with the management of incontinence. 11. Highest level of memory care: Mild, moderate, Mod, and Late. 12. If the building is a secured building, SB, or if there is a wander alarm system, AS, in place. 13. If activities, Act, are available. If music therapy, MT, is available. 14. If short term or respite care is available. Y means Yes, services are available and included in rent. EC stands for Extra Charge, services are available at an extra cost. If blank, it means the service is not available at the residence or No.

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Interested in advertising in the NEXT Twin Cities Senior Housing Guide? Remember the Guide is an annual p ublication, so you only get one chance a year. Reserve your space anytime!

(651) 690-3141 • www.seniorhousingguide.us

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Index Home Health Care Agencies

Adult Help & Companion Care �� 33 Best Care Home Health �� 33 Crest View Home Care �� 33 Fairview HC & Hospice �� 33 Firstat �� 33 Intrepid USA Healthcare �� 33 Mary T. Home Services �� 33 MN Visiting Nurse Agency �� 33 Optage �� 33 Parkingsons Speialty Care HC �� 33 Pinnacle Home Care �� 33 Sholom Home Care �� 33

Housing Options

1101 On Main �� 69 1275 Kruse St. Building �� 67 1440 Randolph �� 72 1666 Coffman Condominiums �� 54 1900 Third St. – Mpls. PHA �� 130 200 Levee Drive �� 125 37th Street Manor – Mpls. PHA �� 130 4 Seasons at Rush Creek �� 55 508 Humboldt �� 107 516 Humboldt �� 123 7500 York Coop �� 58

–A–

Afton Care �� 165 Afton View �� 123 Aging Joyfully �� 162 Alton, The �� 158 America’s Choice �� 161 Angel Haven �� 165 Angel Ridge �� 126 Ann Bodlovick �� 73 Annandale-Knollwood Square �� 127 Anthony James �� 68 Applewood Pointe Coop. ��56, 57, 58, 59 Aquilla Commons �� 59 Arbor Lakes �� 101, 138, 154 Arbor Lakes Commons �� 117 Arbor Oaks �� 99, 134, 152 Arbor Pointe �� 72 Arbor, The �� 155 Arbors at Ridges �� 100, 136, 153 Arbors White Bear Lake �� 70 Ark on the River �� 161 Arlington Gardens �� 124 Arthur’s Residential Care �� 164 Ashland Place �� 122 Assured Care �� 165 Atrium–Mpls. PHA �� 129 Auburn Courts �� 135, 152 Auburn Meadows �� 135 Auburn Reflections �� 152 Augustana Apple Valley �� 100,114, 153 Augustana Apts. �� 105, 143 Augustana Chapel View �� 103, 141

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Augustana Emerald Crest ��152, 153, 155, 158 Augustana Regent �� 100, 136, 153 Autumn Trails �� 117 Autumn Woods �� 69

–B–

Banfill Crossing �� 65 Bards Crossing Condominiums �� 54 Barrington �� 127 Bassett Creek Commons �� 117 Bayview �� 67 Beacon Hill �� 69, 141 Becketwood Coop. �� 59 Becky’s Place �� 162 Belle Haven �� 125 Belvedere at Chapelwood �� 55 Benedictine HC Cntr. Innsbruck, Villa �� 158 Benedictine Steeple Pointe �� 138, 154 Bentson Family Ast. Lvg. �� 146 Best Care Group �� 161 Bii Di Gain Dash Anwebi �� 121 Birchwood Arbors �� 147 Blackhawk Trail Condominium �� 54 Blaine Asst. Lvg. & MC �� 134, 152 Blaine Courts �� 65 Blaine Town Square �� 65 Boardwalk �� 117 Boessling Village �� 125 Booth Manor �� 121 Boulders �� 70 Boulevard Crest View �� 99 Boulevard Gardens �� 118 Boutwells Landing ��73, 108, 147, 159 Brask Haven �� 164 Breck Homes �� 162 Bremer Way Condominiums �� 55 Brentwood Court �� 73 Briarcliff Manor �� 73 Bridge Park �� 122 Bridge Square �� 112 Brightondale Sr. Campus �� 144, 157 Broadway Court �� 68 Broadway Square �� 127 Broadway Village �� 68 Brookdale Clare Bridge �� 153, 155, 157 Brookdale Edina Park Plaza �� 102, 140 Brookdale Freedom Pointe �� 141, 156 Brookdale Sterling House �� 134, 136 Brookridge �� 148 Brooks Landing �� 118 Bryant House �� 141

–C–

Cahill Commons �� 114 Calibre Chase �� 68 Calvary Center �� 118 Calvary Center Coop. �� 59 Cameo Place �� 114 Cameron Woods Condominiums �� 54

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Canterbury Point �� 54 Cardenas Friendship Homes �� 161, 162 Cardinal Pointe Coop. �� 57 Cardinal Ridge �� 125 Carefree Cottages Chateau & Tnhms �� 70 Carefree Lvg. �� 137, 153 Caring Sisters �� 163 Carmen Court �� 115 Carondelet Village �� 107, 145, 158 Carty Heights �� 124 Castle Ridge Commons �� 140 Cedar Crest �� 127 Cedar Hi Apts – Mpls. PHA �� 129 Cedars – Mpls. PHA �� 129 Celtic Crossing �� 68 Centennial Hill �� 66 Centennial House �� 137, 153 Centennial Villa �� 108, 148, 159 Central Hi-Rise – St. Paul PHA �� 131 Central Towers �� 124, 150 Century North �� 126 Century Trails �� 122 Cerenity Enhanced Mem Care �� 158 Cerenity Res. Humboldt �� 145, 158 Cerenity Res. St. Paul �� 107, 146 Cerenity Res. White Bear Lake �� 144 Champlin Shores �� 101, 138, 154 Chandler Place �� 144 Chardon Court �� 101 Charles Horn Tower – Mpls. PHA �� 129 Chauncy Barrett Gardens �� 65 Cherrywood Pointe �� 105, 144, 157 Clare Bridge �� 153, 155, 157 Cleveland Hi-Rise – St. Paul PHA �� 131 Cloverleaf Courts �� 65 Cobble Hill �� 74 Cobblestone Square �� 115 Cokato �� 127 Cokato Parkview �� 127 Colleen Loney �� 115 Colonial Acres �� 156 Colony �� 102, 140, 155 Columbia Village �� 112, 149 Commons �� 140 Commons on Marice �� 137, 153 Community Asst. Lvg. �� 161, 165 Como by the Lake �� 72 Concordia Arms �� 122 Condominiums of Oak Hill �� 54 Copperfield Hill �� 101, 138, 154 Cornelia House �� 72 Cornerstone �� 156 Cornerstone Commons �� 59, 104, 141 Cortland Square �� 115 Cottage Villas Arden Hills �� 70 Cottages of Annandale �� 127 Cottages of Aspen �� 74 Cottages of Coon Creek �� 65 Cottages of Cottage Grove �� 74

Index Cottages of Spring Lake Park ��65 Cottages of Vadnais Heights ��70 Cottages of White Bear Township ��70 Cottages of Willow Pond ��65 Cottagewood ��148, 159 Country Club Manor ��67 Countryside ��67 CountrySide Cottages ��74 Coventry of Mahtomedi ��147, 159 Coventry ��122 Creekside Commons ��73 Creekside Cottage ��134, 152 Crest View on 42nd ��134, 152 Crest View Sr. Comm. Blaine ��99, 134 Croixdale ��108, 147, 159 CrossCroft Condominiums ��54 Crossings at Brookwood ��68 Crossings at Town Center ��66 Crossroads Commons ��115 Crow River Villa ��128 Crystal ��68 Cypress ��74

–D–

Dakota Heights ��115 Dakotah ��115 Delano Commons ��128 Dellwood Estates ��65 Demar Catered Lvg. ��134, 152 Diamondcrest ��101, 139 Dickman Park – Mpls. PHA ��129 Dover Hill ��118 Dow Towers ��118 Dublin Park ��112 Dunedin Hi-Rise – St. Paul PHA ��131

–E–

Eagle Pointe Condominiums ��54 Eagle Ridge Place ��115 Eagle St. Catered Lvg. ��134, 152 EagleCrest ��106, 144, 157 Earle Brown Terrace ��101, 139 East Shore Place ��126 East Terrace Coop. ��59 Eastwood Village ��74 Ebenezer Park ��121 Ebenezer Ridge Point ��115 Ebenezer Tower ��69, 121 Echo Ridge ��74 Ecumen Centennial House ��137, 153 Ecumen Lakeview Commons ��144, 157 Ecumen North Branch ��153 Ecumen Parmly Lakeview ��114 Ecumen Point Pleasant ��100 Ecumen Prarie Lodge ��139, 154 Ecumen Seasons at Apple Valley ��100, 137, 153 Ecumen Seasons at Maplewood ��106, 144, 157 Edendale Residence ��118 Edgerton Hi-Rise – St. Paul PHA ��131, 150 Edgewood Gables ��109, 148

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Edina & Bloomington Care Res ��162 Edina Park Plaza ��102 Elder Haven Homes ��165 Elder Homestead ��142, 156 Elim Meadows ��99 Elim Shores ��102, 140 Elk Terrace ��126 Elliott Twins – Mpls. PHA ��129 Elmhurst Commons ��105, 144 English Rose Suites ��162, 163 Epiphany ��99, 134, 152 Evans Park ��107 Evensong Manor ��161 Evergreen ��113 Exchange Hi-Rise – St. Paul PHA ��131

–F–

Fairfield Terrace ��115 Falcon Heights Town Square ��70 Farmstead at Andover ��99, 134, 152 Fifth Avenue – Mpls. PHA ��129 Folkstone ��104, 142, 156 Founder’s Ridge ��103, 140, 155 Fountains at Hosanna ��100, 137, 153 Franklin Lane ��112 Franklin Towers – Mpls. PHA ��130 Franklyn Park ��122 Freedom Pointe ��141 Friendly Manor – Mpls. PHA ��130 Friendship Home ��164 Front Hi-Rise – St. Paul PHA ��131

–G–

Garden Terrace ��123 Gardens St. Gertrudes ��146 Gianna Home ��163 Gideon Pond ��103 Glen Lake Landing ��118 Glendale Place ��73 Glenn by St. Therese ��104, 142, 156 Golden Lvg. Hillcrest ��142, 156 Golden Nest ��162 Golden Pond ��70 Golden Valley Residence ��163 Goldendale ��128 Golfview ��128 Good Samaritan Heritage Place ��106 Grace Homes ��163 Grace Place ��149 GracePointe Crossing �� 70, 105, 144, 157 Gracewood �� 136, 139, 145, 147 153, 154, 157, 159 Graham Place ��72 Gramercy Club Elm Creek ��60 Gramercy Club Burnsville ��57 Gramercy Park Coop Lake Shore Drive ��59 Gramercy Park Coop Plymouth ��59, 60 Gramercy Park Coop. St. Paul (Inver Grove Hghts) �� 57 Gramercy Park Eagan ��57 Grand Pre ��124

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Grasslands ��112 Greenhouse Village Coop. ��57 Guardian Angels by the Lake ��147, 159 Guardian Oaks ��126

–H–

Hall-Young Plaza ��124 Hamilton ��73 Hamilton House ��118 Hamilton Manor – Mpls. PHA ��129 Hamline Hi-Rise – St. Paul PHA ��131, 150 Hart Lake ��65 Haskell Court ��115 Hawthorne House ��163 Heart to Home ��161 Heathers Estates & Manor ��68, 102, 139 Heights Manor ��112 Heritage Apts.& Regina Asst. Lvg. ��137 Heritage at Lyngblomstem ��107, 146 Heritage Commons – Mpls. PHA ��129, 149 Heritage House ��124, 142, 156 Heritage of Edina ��103, 140, 155 Heritage Park Sr. Campus ��149 Heritage Place ��68, 159 Heritage Place of Roseville ��106 Hiawatha Towers – Mpls. PHA ��130 Hidden Creek ��161 Hidden Pathways Condominiums ��54 Highlands on Graham ��107 Highview Hills ��100, 137, 153 Hillcrest ��118 Hillside Terrace ��118 Hilltop ��113 Holland Highrise – Mpls. PHA ��129 Holmes Park ��121 Home Town Sr. Lvg. ��165 Homestead at Coon Rapids ��134, 152 Homestead Coop. ��58 Homestead of Maplewood ��145, 157 Hope’s Residence ��162 Hopkins Village ��118 Horn Towers ��130 Howard Lake ��128

–I–

Indian Knoll Manor ��118 Inver Glen Sr. Lvg. ��100, 137, 153 Inverness Village Condominiums ��54 Iowa Hi-Rise – St. Paul PHA ��131, 150 Iris Park Commons ��146 Isabelle’s & Margaret’s Hse, Cottages ��153

–J–

James Heltzer Manor – Mpls. PHA ��130 James,The ��162 Jay & Rose Phillips Center ��158 Jeanne Jugan ��124 Johanna Shores �� 71, 106, 145, 157 John Carroll ��115 John Jergens Estates ��74

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Index Pine Manor Estates �� 66 Pine Tree Manor �� 126 Pines, The �� 140, 155 Pioneer �� 74 Pioneer Estates �� 162 Pioneer Manor �� 71 Pleasant Place �� 119 Plymouth Ave. Twnhmes & Apts. �� 121 Plymouth Town Square �� 119 Prairie Lodge �� 139, 154 Prairie View Heights �� 116 Prelude Homes �� 159 Prior Manor �� 125 Priscilla’s Place �� 162 Pullman Place Coop. �� 58

–Q–

Queens Court �� 73

–R–

Rainbow Highrise – Mpls. PHA �� 129 Rakhma Home �� 163, 164 Ravoux Hi-Rise – St. Paul PHA �� 131, 150 Raymie Johnson �� 127 Realife Coop. �� 58, 60 Realife of Eden Prairie (now Valley View) �� 61 Red Oak Manor �� 116 Red Rock Manor �� 127 Redwood Terrace �� 66 Regency Home �� 164 Richfield Sr. Suites �� 162 Richfield Towers �� 119 Ridge Drive �� 128 Ridge Manor �� 128 RidgePointe �� 104 Ridgeview Terrace �� 120 River City �� 73 River Gables �� 66 River Heights Asst. Lvg. & MC �� 138, 154 River Heights Terrace �� 67, 116 River Oaks of Anoka �� 99, 135 River Park View �� 128 River Place Condominiums �� 54 River Ridge �� 55 River’s Edge Condominiums �� 56 Rivers Estates �� 101 Rivers Manor �� 138 Riverside Seniors – Mpls. PHA �� 129 Riverside �� 113 Rivertown Commons �� 127 Rivertown Court �� 117 Riverview Apts. �� 73, 122 Riverview Highlands �� 72 RiverVillage E. �� 144, 157 RiverVillage N. �� 122, 149 Riverwood Village �� 105 Robbins Landing �� 120 Robbins Way �� 120 Rockford Manor �� 128

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Rockwood Place �� 72 Roitenberg Mem. Care �� 156 Roitenberg Res. �� 142 Rose Arbor �� 139 Rosehaven �� 128 Rosemount Plaza �� 117 RosePointe I & II �� 106 RosePointe II �� 71 Roseville Commons Condominiums �� 55 Roseville Sr. House �� 123 Rosoto Villa �� 71 Royce Place Crest View �� 135 Rum River District Condominiums �� 56 Rum River Square �� 112 Rush Estates I & II �� 114 Ruth Homes �� 161

–S–

Sandy’s Place �� 162 Savannah Oaks �� 66 Scandia Shores �� 71 Scenic Hills �� 164 Schule Haus �� 125 Seabury �� 124 Seal Valley Hi-Rise – St. Paul PHA �� 131 Seasons Apple Valley �� 100, 137, 153 Seasons Maplewood �� 106, 144,157 Select Sr. Lvg. �� 135, 152 Senior Suites �� 145 Seward Towers E. & W. �� 122 Shepherd of Grace �� 108, 147, 159 Sheridan House �� 162 Sherman-Forbes �� 124 Shields Plaza �� 114 Shingle Creek Commons �� 70 Sholom E. Bentson Fam. Ast. Lvg. �� 146 Sholom E. Jay & Rose Phillips Cntr �� 158 Sholom E. Weinberg Apts. �� 125 Sholom W. Menorah West �� 120 Sholom W. Roitenberg Res. �� 142 Sholom W. Knollwood Place �� 104 Sholom W. Menorah Plaza �� 120 Sholom W. Roitenberg MC �� 156 Shores of Lake Phalen �� 106, 145, 157 Shores, The �� 71 Shoreview Sr. Living �� 106, 145, 158 Sibley Triangle – Mpls. PHA �� 130 Signe Burckhardt Manor �� 122, 129, 149 Silver Lake Pointe �� 71 Skyline Tower �� 125 Snelling Manor – Mpls. PHA �� 130 Sojourn Suites �� 164 Solbakken.............................................162, 164 South Haven �� 120 South Shore Park �� 120 Southfield Townhomes �� 67 Southview �� 101, 138, 154 Spring Manor – Mpls. PHA �� 129, 130 Spruce �� 113

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Spruce Place �� 117 St. Andrew’s Village �� 108, 148, 159 St. Anne’s Sr. Housing �� 70 St. Anthony – Mpls. PHA �� 130 St. Benedict’s �� 108, 148, 159 St. Paul’s Home �� 122 St. Philip’s Gardens �� 124 St. Therese Oxbow Lake �� 102, 139, 154 St. Therese St. Odilia �� 164 St. Therese SW Hopkins �� 104, 142, 156 St.Therese New Hope �� 102, 139, 154 Standish Green Condominiums �� 56 Steeple Pointe �� 138, 154 Sterling House �� 134, 136 Sterling Ponds �� 68 Steven’s Residence �� 164 Stonecrest �� 108, 148, 159 Stoney River �� 99, 135, 152 SummerCrest Condominiums �� 56 SummerHill Coop. �� 58, 61 SummerHouse �� 69, 71 SummerWood ��99, 104, 136, 142, 152, 156 Summit Hill �� 146, 158 Summit Place ��69, 103, 141, 155 Summit Point �� 120 SunLight �� 146, 158, 165 Sunrise Edina �� 141, 155 Sunrise Golden Valley �� 143, 156 Sunrise Minnetonka �� 143, 156 Sunrise Roseville �� 145, 158 Superior St. Cottages �� 72

–T–

Tabitha & Pauline MC �� 154 Talheim �� 113 Theater Heights �� 113 Third Avenue Towers – Mpls. PHA �� 130, 149 Thomas T. Feeney �� 149 Thompson Heights �� 67, 117 Timber Hills �� 101, 138, 154 Timbers, The �� 67 Timberwood Village Condominiums �� 55 Towerlight on Wooddale �� 105, 143, 156 Tradition �� 102, 139 Trails of Orono �� 143, 156 Trailside �� 74 Trinity Suites �� 154 Trinity Terrace �� 101, 138, 154 Triple Angels �� 165

–U–

Uptown Maple Commons �� 114

–V–

Valkommen114 Valley Hi-Rise – St. Paul PHA �� 131, 150 Valley Ridge ��67, 117, 138, 154 Valley View, formerly Realife of Eden Prairie �� 61 Valleyview Jordan �� 147, 158

Vermillion River Crossing ��67, 117 Vernon Terrace ��103, 141 Vicksburg Crossing ��69 Villa Park Condominiums ��55 Village Apts of Shakopee ��126 Village at Walker ��157 Village Commons ��67, 117 Village Green ��113 Village in the Park Condominiums ��56 Village Shores ��103, 141 Villas by Mary T. Inc. ��66 Vindauga View ��136 Vintage Moments ��165

–W–

Wabasha Hi-Rise – St. Paul PHA ��131 Wachter Lake Condominiums ��55 Walker at Hazel Ridge ��106 Walker at Westwood Ridge ��101, 138 Walker Elder Sites ��141 Walker on Kenzie ��120 Walker on the River ��113 Walker Place ��50, 105 Walker Plaza ��99, 135

Washington Square ��123 Waterford �� 68, 102, 139, 154 Waters Edge Condominiums ��55 Waters Edina ��103, 141, 155 Waters Minnehaha ��105, 144, 157 Waters on 50th ��103, 141, 155 Waters Plymouth ��105, 143, 156 Waverly Gardens & Mews �� 106, 107, 128, 145, 158 Waybury ��113 Wealshire of Bloomington ��155 Weinberg Apts. ��125 Wellington ��107, 146 Wellstead of Rogers ��154 West Pointe Condominiums ��55 Westminster Place ��125 Westona Estates ��120 WestRidge Sr. Living ��69, 105 Westview ��127 Westview Acres ��99, 136 Westwood Place ��136 Whispering Pines ��127, 161 White Pines ��145, 158 Wilder Park Condominiums ��55

Wilder Square ��125 Wildflower Lodge ��154 Wildwood Manor ��123 Willow Wood ��123 Willows of Ham Lake ��66 Willows of Vernon Terrace ��155 Wilson Hi-Rise – St. Paul PHA ��131 Windy Acres ��165 Winslow Commons ��125 Winsor Plaza ��117 Woodbriar ��126 Woodbridge Coop. ��61 Woodbury Estates ��148, 159 Woodbury HC Cntr. ��159 Woodbury Villa ��108, 148 Woodlake Point ��56 Woodland Hills ��164 Woodland Mounds ��68 Woodlynn Village ��72 Woodmere ��128 Woodside Terrace ��143

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York Gardens ��141, 155 Yorktown ��120

Long Term Care Options Counseling: Know all of your options (Continued) Continued from page 132 to get started. Find out the right questions to ask when touring a housing setting, such as cost and service options. Individuals that go through this process will then be provided a letter in the mail that includes a code that verifies that they have received this support. The code should be saved in a safe place and will need to be shared with the housing setting you select, prior to signing a lease or contract with the setting. Only one code is needed per individual and never expires. To receive these types of support contact the Senior

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LinkAge Line® Monday through Friday from 8am to 4:30 pm at 1-800-333-2433. This steps you need to take to get this support are: • What you should do? Make just one call for help with looking at all of your options by calling the Senior LinkAge Line®- 1-800-333-2433 • What you will get? Comprehensive, objective information to make choices. • What you will receive? Support to consider all of your options.

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