2018-19 Twin Cities Senior Housing Guide by Senior Housing Guide

New Address? Same Address? Whether you are changing your address or remaining at your current one, the Twin Cities Senior Housing Guide has the information you need! www.seniorhousingguide.us â&#x20AC;˘ e-mail: contact@seniorhousingguide.us 1474 Sargent Ave, St. Paul, MN 55105 â&#x20AC;˘ Tel. 651-690-3141

LiveLife You want the security and peace of mind that comes with being a part of a caring community with many services and amenities. From senior housing to assisted living to home care to skilled care services, you’ll find Crest View offers choices and options to fit your individual needs. Crest view Senior Community on Reservoir Boulevard 4444 Reservoir Blvd. NE Columbia Heights ph: 763-782-1601 • The

Boulevard Senior housing

• Columbia

village Senior housing for people on limited incomes

• Royce

Place Assisted living and memory care

• Crest

view Lutheran Home Short term rehab, long term and memory care, and end of life care

Crest view on 42nd Columbia Heights Assisted living and memory care

New CamPuS! Crest view Senior Community at Blaine Senior housing, assisted living, memory care, and care suites 12016 Ulysses St. NE Blaine ph: 763-762-8430

CrestviewCares.org

Locations M I N N E S OTA

As the nation’s 4th largest non-profit serving older adults, we provide a breadth of choices and opportunities for you to live well.

Living Options

Optage®

Senior Apartments, Townhomes, & Row-style Homes

Home & Community Services

Assisted Living

Home Delivered Meals

Enhanced Assisted Living

Primary Care Home Visits

Assisted Living & Care Center Memory Care

651.746.8200

Medicare-certiﬁed Home Care Medicare-certiﬁed Hospice

Care Centers

I OWA Ankeny Clive Williamsburg

WI S CON S I N

Transitional Care

651.631.6100

Andover Apple Valley Arden Hills Bayport Bloomington Brooklyn Center Burnsville Cambridge Chanhassen Cottage Grove Crosby Eden Prairie Fridley Hutchinson Inver Grove Heights Little Canada Mahtomedi Minnetonka Monticello North Oaks Oakdale Oak Park Heights Plymouth Prior Lake Roseville St. Paul Shoreview Spring Lake Park Spring Park Wayzata Woodbury

www.preshomes.org

Germantown Hudson Menomonee Falls New Richmond Pewaukee Waukesha

Senior Housing Guide • www.seniorhousingguide.us

Jeff Flanery, Reverse Mortgage Sales Manager For a free consultation contact Jeff at 612-240-9517. Jeff.Flanery@CambriaMortgage.com

Subsidized Assisted Living and now… Memory Care

15 years experience Minnesota family-owned business Professional in-home consultation to help you decide if a reverse mortgage is right for you

• Privacy and Independence • Comfort and 24-Hour Staff • Available to Qualified Individuals 55+ • Daily Meals • Barrier-free Access • Laundry Facilities

Home care provided by Augustana We comply with the Fair Housing Act • EOE

Senior Housing Guide • www.seniorhousingguide.us

g n i t a r b e Cel ! s r a e Y 30

SEE US ON PAGES 54 and 68

Vibrant. actiVe. independent.

• Woodland Walks • 24/7 Front Desk Concierge • 10 Chef Prepared Meals per Person and Weekly Housekeeping • Social, Cultural and Fitness Activities • Convenience Store & Bistro

2555 Hamline Avenue N. | Roseville, Minnesota 55113 | 651.639.1000 | www.RosepointeSeniorLiving.com

952-540-6200 12600 & 12800 Marion Lane West Minnetonka, MN 55305 • Independent senior living community

• Rent includes an Amenities Package you’ll love

• Full calendar of fitness, social, cultural and educational events and activities

• Tropical atrium for enjoyment year round

• Apartments ranging from $1,010 to $3,530

• Optional dining choices

• 24-hour concierge and secured entrance

More than an apartment…it’s a lifestyle! See us on pages 51 and 66.

www.FunAtRidge.com Senior Housing Guide • www.seniorhousingguide.us

A NOTE FROM THE PUBLISHER As you can see this year’s cover is a nod to the cinematic classic, “The Wizard of Oz.” Considered to be one of the greatest films in movie history, it deals with Dorothy and her dog Toto trying to return to Kansas after a sidewinder carries them off to the Land of Oz. The most famous line from the movie is “there is no place like home.” Truer words were never spoken, “there is no place like home.”

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

How to Contact Us

Home is a place that means so many things. It is a way of weaving up a certain way of life…a connection to a certain geographic location. It’s where we have the most freedom to be ourselves…where people reside whom we love and yet sometimes drive us crazy! It’s an investment. It’s a reflection of who we are. Home isn’t just a place it is a feeling…many feelings. So, when looking for a new home take your time, one step at a time. Know what you can afford and have a plan. Ask questions and employ helpers. Remember you are the one who makes a place a home.

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

Website

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

Sales and Advertising

651-690-3141 E-mail: advertising@seniorhousingguide.us

Copywriter Ashmore, Inc. Nancy Ashmore Robyn Foster

Artwork

Janet Doto Carrie Hartman Rhoda Lucy Lisa Ruetten Sheila Farren Billings

• Independent Living • Assisted Living • Memory Care • Skilled Nursing • CCRC’s • Cooperatives WEISBUILDERS.COM

Senior Housing Guide • www.seniorhousingguide.us

612.243.4674

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@byallmeansgraphics.com

PALMER DRIVE APARTMENTS The Best In Affordable Senior Living For Persons 62 And Better

2287 Palmer Drive, New Brighton, MN 55112 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 RELATED MANAGEMENT COMPANY

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

*Wait list open/accepting applications **Immediate openings ARBOR LAKES COMMONS Maple Grove, MN (763) 416-0369

BOULEVARD GARDENS Minnetonka, MN (952) 542-9338

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

CENTURY TRAILS Maplewood, MN (651) 288-9162

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

CONCORDIA ARMS Maplewood, MN (651) 770-0402

SHINGLE CREEK COMMONS* Minneapolis, MN (612) 588-2303

COOPERAGE Minneapolis, MN (612) 843-4858

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

DELANO COMMONS Delano, MN (763) 972-2930

OAK RIDGE MANOR Hastings, MN (651) 437-1367

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

OAK TERRACE Oakdale, MN (651) 730-6440

FAIRFIELD TERRACE* Lakeville, MN (952) 469-1414

PLEASANT PLACE Rogers, MN (763) 428-4494

GARDEN TERRACE Little Canada, MN (651) 481-9028

RED ROCK MANOR Newport, MN (651) 459-2786

GARDEN TERRACE COMMONS Little Canada, MN (651) 481-9028

RIVERVIEW APARTMENTS Minneapolis, MN (651) 290-6228

GOLDENDALE APARTMENTS Annandale, MN (320) 274-5871

ROBBINS WAY Robbinsdale, MN (651) 291-1750

TOWNE CLUB Rochester, MN (507) 424-1671

ST. ANNE’S SENIOR HOUSING* Minneapolis, MN (612) 588-4463

WELLSTONE COMMONS** Northfield, MN (507) 645-4146

ST. MICHAEL’S HOUSING** New Ulm, MN (507) 359-8227

WESTONKA ESTATES Mound, MN (952) 472-4952

MAPLE TERRACE Maple Plain, MN (763) 479-1131 MOUNT CARMEL West St. Paul, MN (651) 451-0300 NORTH GABLES Blaine, MN (763) 786-0232

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

Senior Housing Guide • www.seniorhousingguide.us

Welcome to the

Twin Cities Senior Housing Guide 2018-2019

Table of Contents

4 8 10 11 12 16 18

A Note from the Publisher About our website, www.seniorhousingguide.us

(also see article on page 37 – on how to use a reverse mortgage for purchase)

Win A $100 Gift Certificate by Visiting Us Online Resources to Know About • Helping Organizations • Financial, Legal, Health Care/ Insurance, Hearing/Vision, and Veterans Information Where Can I Pick Up a Free Guide?

• Staying in Your Home – Programs and Services to Help You Remain Independent

24 29

Get Free Expert Advice From A Senior Housing Advisor Housing – A Refection of Your Lifestyle

Senior Housing Guide • www.seniorhousingguide.us

Staying Put • Is a Reverse Mortgage Right for You?

Home Health Care Agencies, Adult Day Care Centers & Hospice Moving On–Why Am I Considering a Housing Change? • Deciding to Move... 15 Factors to Consider • Moving Checklist What Do All These Abbreviations Mean?

36 37 47 59 93 114 134 136 147 155 161

Continuing Care Retirement Communities & Life Care Communities Ownership: Condominiums, Townhomes & Cooperatives • Using a Reverse Mortgage to Purchase a Condominium, Townhome or House Independent Living: Rental Apartments and Townhomes Housing with Services: Independent Living Subsidized Rentals • Housing Choice Vouchers • Privately Subsidized Housing • Minneapolis & St. Paul Paul Public Housing Assisted Living Subsidized Rentals with Services Memory Care: Dementia & Alzheimer’s Residences Residential Care Homes: • General Care & Memory Care Index

Index of Advertisers

Ads run in the 2018-19 Twin Cities Senior Housing Guide do not constitute endorsement by Housing Sense unless otherwise noted. All rights reserved. The content 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 advertisement relating to the sale or rental of property comply with state and federal fair housing laws.

Senior Housing Guide • www.seniorhousingguide.us

ABOUT OUR WEBSITE

here is a ton of information out there for seniors and their families. While the Twin Cities Senior Housing Guide gives you a great deal of information, particularly regarding housing options, there is more available. Enter the internet. The internet allows us to expand and include more information and even more resources. So, in order to make this ton of information accessible to you, we created three Directories; one for Housing, one for Home Care and Hospice, plus one for Resources. To encourage you to visit our website we will be giving away gift certificates during the year. You have to enter on our website to win. For more information read How to Win $100 Gift Certificate, page 10.

III. RESOURCES

While we are not trying to be a help or referral line we do include some information that consumers have asked us for over the years. The Resource Directory has items of interest to older adults and is divided into the following subcategories.

Aging in Place

People who wish to remain in their homes will find this section helpful. It has information on Home Repair, Remodeling for Accessibility, Reverse Mortgages, as well as Errand/ Concierge Services (people who can “do the running” for you). This section also has Adult Day Care listings (comprehensive for the 11-county Twin Cities Metro area—just like it is in the printed Guide).

www.seniorhousingguide.us is divided into three main Directories. These include:

I. HOUSING (the largest of course!)

The Housing Directory is a comprehensive listing of all the housing for older adults in the 11-county Twin Cities Metro area. It’s divided into: Ownership (condominiums, cooperatives, and townhomes) and Rental (independent living, housing with services, assisted living, subsidized housing, memory care, residential care homes, and care suites). Consumers can easily search for housing by type of housing or by county or both. Each housing community has a digital page, containing information about the residence(s) such as price, type of units, building and neighborhood amenities, pet policy, services available, parking, and so forth. With more space on the internet we can offer more information: a map to each residence helps consumers locate it, pictures give an idea of what the community looks like, and a written description tells consumers more about the community (even though a picture is worth a thousand words).

II. HOMECARE AND HOSPICE

The Homecare and Hospice Directory include the subcategories: Chore Services, Care Managers, Private Pay Home Care Agencies, and Medicare Certified Home Care Agencies. While it’s impossible to include every Homecare option conceivable, the Hospice listings for the 11-county Twin Cities area are comprehensive – just as they are in our printed Guide.

Senior Housing Guide • www.seniorhousingguide.us

FOR

SALE

Moving & Downsizing

This category is full of resources to assist those who wish to move and/or downsize. It contains information on Move Managers, Organizers, Senior Housing Advisors, Moving Companies, Realtors (who specialize in working with older adults), and Storage Facilities—as well as organizations who appreciate donations of items (in good shape) you no longer need.

Health & Fitness

This section lists possible solutions to health problems and concerns seniors face such as hearing and vision loss. Fitness also comprises this section and may be anything from yoga and exercise classes to massage therapy.

Legal & Financial

This category addresses legal and money topics, with the subcategories: Daily Money Management, Reverse Mortgages, Elder Law Attorneys, and Financial Planners.

Continued on page 10

VISIT OUR WEBSITE AT

www.SeniorHousingGuide.us Our website is comprised of three main Directories... The Housing Directory...

search for housing by county or type of housing or both. The housing listings are comprehensive for the 11 county metro area and each residence/campus has itâ&#x20AC;&#x2122;s own digital page.

The Home Care and Hospice Directory...

search for Private Home Health Care and Medicare Home Health Care Agencies and related businessess, such as Chore Services and Care Managers. This section also contains comprehensive listings for Hospice in the 11 county metro area.

The Resource Directory...

search for various businesses that are of interest to older adults. This section contains categories such as Aging in Place, Downsizing and Moving, Health and Fitness, Legal and Financial, Transportation and Technology and Information and Referral.

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

WE WANT YOU ... TO GET TO KNOW KNOW OUR OUR WEBSITE! WEBSITE! We want you to become acquainted with with our our website, website, www.seniorhousingguide.us. www.seniorhousingguide.us. So go to our website and enter to win a $100 $100 gift gift certificate certificate from from Cub CubFoods Foodsor orTarget. Target.

Monthly Drawings - You could could be be a a winner! winner!

Rules - We don't have many, but but we we have have a a few! few!

• If you win, you’ll allow us to publish your first name name and and initial initial of of your your last lastname nameand andthe thecity city you are from, for example, Susan S. from St. Paul Paul was was this this month’s month’s winner! winner! • You must be 21+ to enter. • You can enter as many times as you want but you you can can only only win win 1x 1x aa year. year. • You must be a Minnesota resident. • Fill out the information requested – we will not not sell sell your your information. information.

blank will will be be in in aa different different location locationon on Each month the entry blank our website, so you will is will have have to to search search the ourwebsite website(but (butitit’s not that hard). the listing has logo our logo on hard). FindFind the listing that that has our and and clickclick on More More Information and enter Information and enter to win.to win. Continued from page 8

Transportation & Technology

This is all about getting to where you want to be, physically and digitally. Transportation services concern getting you to appointments and other places and Technology involves assistance with computers and other equipment.

Entertainment and Leisure

Most of us have our own ideas about how we like to spend our leisure time and how we like to be entertained. This category presents ideas you may find appealing now that you are not working quite as much and have more leisure time.

Resources

While we’re not attempting to be an answer/referral line, you will find some useful contact information in this section including phone numbers for Legal Aid, county help lines, Meals on Wheels, Senior Centers, the Senior Linkage Line, United Way, and more.

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.

Ray The Computer Guy Computer Solutions for Seniors

University of Minnesota Computer Science graduate with extensive I.T. experience since 1979

SERVICES: • free limited computer consulting • computer check-up and tune-up • virus malware removal • secure computer network installation/ problem solving • email account assistance • system backup, restore and recovery

• smart device synchronization • file and photo organization • computer purchasing • computer training • secure online account access • social media account management to help you stay in touch with family and friends

We Make House Calls

651-323-8585 • www.RayTheComputerGuy.com

Ray, The Computer Guy, offers hands-on workshops and information/technology classes at community and senior centers. Ray also does in-home visits upon request in the Twin Cities area. Ray’s classes include: iPad, Social Media, Smart Phones, Email, Music & Movie Streaming, & Cyber Security to name a few. Contact your local community or senior center or Ray for details. Senior Housing Guide • www.seniorhousingguide.us

Where Can I PICk UP a Free GUIde?

SENIOR COMPANION & FOSTER GRANDPARENT PROGRAMS

Make a difference in your community! Consider these meaningful volunteer opportunities for adults 55+: Foster Grandparents – support children who are falling behind in the classroom.

New Address? Same Address? Whether you are changing your address or remaining at your current one, the Twin Cities Senior Housing Guide has the information you need!

Senior Companions – visit older adults to provide friendship, transportation and assistance at their homes and in the community.

www.seniorhousingguide.us • e-mail: contact@seniorhousingguide.us 1474 Sargent Ave, St. Paul, MN 55105 • Tel. 651-690-3141

The Twin Cities Senior Housing Guide

is a FREE annual publication

and is distributed to all libraries and senior centers in the 11 county metro area.

Libraries sometimes run out, so your local senior center may be your best bet. To locate your nearest senior center go to our website, www.seniorhousingguide.us and click on Resources for Seniors, then choose Helpful Contacts and last choose Senior Centers. You can also pick one up at the AARP office in the Mall of America or at pharmacies in Lunds and Byerlys.

Volunteers must have reliable transportation.

Volunteer Benefits • Earn tax-free dollars

• Mileage is reimbursed! • Training and recognition provided

• Find purpose and meet new people

GET STARTED TODAY 1.888.205.3770 WWW.LSSMN.ORG/SENIORCORPS

If you want one sent directly to you send $6 to: Guide 1474 Sargent Ave. St. Paul, Mn 55105 You can also call us at

651-690-3141

Senior Housing Guide • www.seniorhousingguide.us

Find more details about Retirement Living in the 11-county metro area at www.seniorhousingguide.us

(more)

Resources To Know About

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

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

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

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

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.

Senior Housing Guide • www.seniorhousingguide.us

(more)

Resources

Know About

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

Health Care & Insurance Health Care Choices 2018

Health Care Choices 2018, available for Minnesotans on Medicare. Call 1-800-333-2433 for a free copy.

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 ClearCaptions: 612-297-1159

Free captioned phone for people with hearing loss. See ad on opposite page for more information.

MN Telephone Equipment Distribution, TED, Program: 1-800-657-3663 & TTY 888-206-6555, www.tedprogram.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. See ad on page 86.

Veterans Veteranâ&#x20AC;&#x2122;s Help Line: 1-888-546-5838 Help line that answers veteran related questions.

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

VVordsMatter.

Amplified Captioned Phone

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 9, 2018 9 am to 4 pm.* *Subject to change.

Tour a variety of housing options for those 55+.

• Phone and captioning service provided at NO COST through a federally-funded program • 8” full color touchscreen display

Participants must be able to board and deboard bus.

• Amplified handset – up to 50db boost • Answering machine with captioned messages • Three tone settings for customized sound • Integrated phone book and call log • Hands-free speakerphone • Free installation and lifetime warranty

Transportation/lunch included Minimal fee $40 Limited to 22 participants.

REQUIREMENTS: – Home phone service – High-speed internet – Hearing loss

Call St. Paul Community Education 651-744-3072 to learn more about the tour! Registration starting August 1st. We also do a SPRING TOUR in May – date to be announced. Call 651-744-3072 for more information.

Contact me today!

Brian Moore 612-297-1159 brian.moore@clearcaptions.com

clearcaptions.com Senior Housing Guide • www.seniorhousingguide.us

Get FREE Expert Advice

from a

Senior Housing Advisor

LET THEM SAVE YOU TIME IN YOUR SEARCH By Eunice K. Neubauer, CSA When it comes to making a housing change, whether it is moving to a new residence or staying at the current one, families may be aware of services, such as inhome care agencies, companies that can pack and help move people, realtors, and etc. But they are not always knowledgeable about Senior Housing Advisors and what they do. They are your local experts in senior housing/living options. Many have local offices in the Twin Cities and are knowledgeable about available options. They can save seniors and their families time and stress in their search for the senior living option which best suits the senior’s needs and their services are free. Although printed materials can help narrow your search, there are many questions that a senior advisor can answer that you may not think to ask. For example, how long is the waiting list, do they offer kosher meals, do they have mass, what transportation is available to take residents to doctor appointments, what levels of care does the residence provide, do they accept Medical

Senior Housing Guide • www.seniorhousingguide.us

Assistance immediately or do they require two years of private pay first and so on. A Senior Housing Advisor can answer all these questions and more, greatly simplifying the search. They are especially helpful in a health crisis when you have a short time period and need care now. Everyone wants to avoid a crisis, yet they do happen.

What do local Senior Housing Advisors provide?

• Education on all types of senior living options; buying vs. renting, continuum of care options, independent living vs. assisted living, why would I need a skilled nursing facility? • Information on the cost of care in the Twin Cities and what residences charge. • A narrowed search based on your preferences, care needs and finances – saving you time! • Assistance in comparing options. • They may even tour with you to look at options.

What is a typical process when working with a Senior Housing Advisor?

1. Completion of an intake or needs assessment which covers support needs, interests, religious preferences, geographic requirements and financial situation. 2. Identify housing options in your preferred location. 3. Determine the best 3-5 options matching specific preferences. 4. Set appointments by making referrals, keeping contact information confidential if desired. 5. Tour the residence with you and aid you in the decision making process. Senior Housing Advisors may even provide transportation to the tour(s) as well.

This is FREE? So how do these professionals make money?

Caring Local Advisors

Donâ&#x20AC;&#x2122;t your loved ones deserve more than an Internet search? With Choice Connections you are never alone. We take pride in personally guiding our clients every step of the way.

Northern Chris & Laurie 651-644-7230 Southern Eunice 651-261-5379 Western Lori 612-940-1086

www.choiceconnectionsmn.com

Save Time and Stress in your search.

Senior Housing Advisors are paid by Call for a free Senior Housing Consultation today! referral fees from senior living residences when the client moves into one they have referred you to. Legally facilities are not have already done some searching on your own, they able to pay a fee when Medicaid or Medical Assistance may not be able to work with you for free, as senior is needed. In that situation, they may be willing to residences will not pay a fee if they already have your help you for a fee paid by you, the client. Also, if you name in their database.

Can a Senior Housing Advisor assist in finding Income Eligible Housing?

If you are looking for subsidized housing, senior housing advisors are very limited in what they can do. They can help you understand various type of affordable housing, but advisors do not offer tours. They may direct you to other agencies that can assist you in finding affordable housing. So before you start your search, remember there is usually no cost to the client. And you can save yourself time and energy by using a Senior Housing Advisor!

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

Housing – A Reflection of your Lifestyle THINKING ABOUT MOVING TO A NEW HOUSE OR “DOWNSIZING” TO AN APARTMENT OR CONDO? REMEMBER YOU’RE CHOOSING MORE THAN A NEW STYLE OF HOUSING. By Warren Wolf

What you’re really choosing is a lifestyle.

Many people consider moving when they near retirement. A few are headed for a warmer climate, or move closer to children or grand kids. But for many, the goal is to simplify their lives by shedding excess life baggage – including unneeded living space – that can suck up time, energy and money they’d rather use for something else. This can be a time of “vital aging.” That’s a phrase developed several years ago by planner Jan Hively at the University of Minnesota and a few others who developed the Vital Aging Network (www.vital-aging-network.org). The network helps people envision how to create fulfilling lives for themselves as they age. Of course, Hively reminds us, life should be “vital” for all of us at any age. But one of the many benefits of growing older and into retirement (whatever “retirement” means for you these days) is that you’ve got more choice about how to spend your time and resources. Your kids may be launched, your family and work obligations may be fewer, and you can make new decisions about to invest yourself in your life. Whether you’ll be living on a tidy nest egg or just Social Security, there’s plenty to consider as you match your housing with your emerging lifestyle. Square footage and design matter. But so do location, the neighborhood (and your new neighbors) and some amenities you might not have considered. But first, do you really want to move? Don’t swap housing just because you need a new furnace or you hate mowing the grass. If you like your neighborhood, if services and attractions are convenient and your house is almost what you want, consider staying put. You can buy a lot of snow shoveling and grass mowing for less than the cost of moving. A few investments in your house might make it close to perfect. Whether you’re thinking

Senior Housing Guide • www.seniorhousingguide.us

of moving or want to fix up your current home, think about your current and future needs, then consider your options.

Staying in your current home :

Add or remodel – A new bath or bedroom on the main floor may make your house work better for you – and increase its value. Consider updating the kitchen or converting a first-floor den into a bedroom. (If you own your home, with a small or no mortgage, a reverse mortgage can help you finance some of these home changes.) Add amenities – Build an outdoor ramp to the house (as I did) or put in a stair lift that gets you to the second floor (as my parents-in-law did). Look at emergency efficiency – Putting in new, efficient and easy-to-clean windows also may cut your heating and cooling costs (and if you don’t have an air conditioner, adding one can make a world of difference on hot July nights). A new, efficient furnace or more insulation also can help. Convert the fireplace – Wood fireplaces offer a great atmosphere, but converting it to natural gas makes it much easier to use, no wood to wrestle with, and no more smoky backdrafts. Make your home safer – Get rid of throw rugs, electric cords that snake across the floor, shaky chairs or protruding furniture – all of which can cause you to fall. Install handrails in the bathroom. These changes are cheap and among the most important things you can do to protect your safety, at any age.

Choosing a new home:

Location, location, location – Life in a new housing complex in the Lakes Region may be great, especially in the summer, and especially if you don’t need to see

your granddaughter give her tuba recital. On the other hand, a big city gal who likes all those amenities close at hand may get frustrated prowling the freeways to get groceries, a movie or the Guthrie. Size matters – If you’ve been rattling around a 2,500-square foot house and want something smaller, will a condo half that size be too cramped? Check with friends who live in smaller quarters. Maybe you can “test drive” their place when they go on vacation. If you’ve got your eye on a condo or apartment complex, see if you can rent a place for a week or so, just to check it out. How much of your essential stuff will comfortably fit into the new space? Transportation – This is a key element in choosing where you will live. What’s traffic like around the new place? How about bus or taxi service? Does the new place offer shuttle service to Target, the grocery store or your doctor? If you choose to stop driving, how will you get around? Your changing health – The housing that works well for you now may not be a good fit if your health changes. Plan ahead. Make sure your home is accessible and that you can navigate the bath, bedroom, kitchen and other essential living areas while you’re recovering from knee surgery, your vision dims or some other health condition changes your physical abilities. Meaningful activities and causes – Here’s where choosing the right neighborhood and the right neighbors comes in. Can you find bridge partners, people of similar interests, buddies to attend band concerts in the park? Life is richer when you surround yourself with people who spark your interest in new activities or join you in ones you’ve loved for years. Condos, apartments, houses, communes? – Various

kinds of collective living arrangements are popping up around the country. The obvious choices are apartments, houses, condos or town homes, but some people are searching for new kinds of housing. Some observers like Joelyn Malone, a Minnesota champion of “cohousing” (http:cohousing.org), are waiting to see if the Flower Children from the 1960s rediscover communal living. Various kinds of collective living arrangements are popping up elsewhere. Other groups, similar to the long running sitcom, The Golden Girls, helps women link together to share housing. But in the meantime, this year’s Twin Cities Senior Housing Guide, 651-690-3141, can help you sort through the different types of current housing. Then it’s your job to see what style might best fit the way your want to live, including how you will age. Warren Wolfe is currently retired. During his career he was a staff writer at the Star Tribune in Minneapolis where he covered issues of aging for 10 years. He joined the newspaper in 1970, and was a reporter, a copy editor and an assistant city editor. He received several state and national reporting awards. Previous to the Star Tribune, he was a reporter and news editor at the Red Wing (MN) Republican Eagle. He loves reading, writing, the arts, travel, cats and fly fishing. He graduated from the University of Wisconsin-River Falls.

GET THE DETAILS ON 100s OF Senior Living COMMUNITIES AT

seniorhousingguide.us OPEN THE DIGITAL GUIDE OR SEARCH BY COUNTY OR TYPE OR BOTH

Senior Housing Guide • www.seniorhousingguide.us

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 1-888690-7829 (STAY).

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.

• For situations that require quick turnaround, counseling completed in a very short time.

• Counseling is confidential.

• Asesoría disponible en español. Counseling available in Spanish – 651-917-0224.

• Counseled over 5,000 households since 2005. • Counselors return calls within 24 hours.

• Appointments routinely completed within 3 to 5 days or less of request.

• Evening and week-end appointments available.

*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 20

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). 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.

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.

How much can I get? 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.

Continued on page 153 Senior Housing Guide • www.seniorhousingguide.us

Staying

Your Home

PROGRAMS & SERVICES TO HELP YOU REMAIN INDEPENDENT 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.

Adult Day Centers

q Adult Day Centers – comprehensive list of adult day centers in the metro area on pages 25 & 26. These centers provide recreational and social activities, and meals and snacks during the day. Some offer specialized care for memory loss, health monitoring, and medication administration.

Delivery Services

q Delivery Services – deliver a variety of items including groceries and prescriptions.

Financial Services

q Bill Paying Services – some banks, social service agencies, money management services, and accounting firms will contract to help with (or do) bill paying.

Health Care

q Living at Home/Block Nurse Programs nurses coordinate volunteer assistance, health services, and community resources to help people remain in their home. 651-649-0315, outside the metro area, 800-320-1707, www.lahnetwork.org Sherburne & Wright Counties Faith & Action Program, 763-263-4277 www.fia-sc.org – similar to block nurse program plus cleaning projects, chore maintenance and resources for caregivers. q Home Health Aides – provide help with personal care including bathing and dressing. q Home Nursing Care – can include administration of medication, wound care, health education, and monitor health situations.

Senior Housing Guide • www.seniorhousingguide.us

Homemaking

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

Home Improvement & Maintenance

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, 1-800-710-8871 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.

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.

Housing Alternatives cont.

q Granny Flat or Echo Housing – a smaller house (sometimes a mobile home if zoning allows) 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 Silvernest –a roommatematching service that can help with matching & prescreening, rent management tools and lease generation. 1-866-757-NEST (6378). q Nursing Homes – for those who need skilled nursing care.

Meals & Nutrition

q Fare For All – 40% off grocery store prices, for distribution sites, 1-800-582-4291, fareforall.org. q Food Share – assures that people have food; food banks. 612-276-1530. q Food Stamps – supplement grocery costs. q Meals on Wheels – meals delivered to homebound people, 612-623-3363. q Senior Dining Programs – low-cost meals in a group setting, 5 days/week. q SNAP – means-tested program helps seniors 60+ purchase food, 1-888-711-1151. 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).

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. Call your county auditor/treasurer. 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.

Senior Housing Guide • www.seniorhousingguide.us

Home Health Care Starting on page 25 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 when using a home health care agency: 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.

Adult Day Centers

and

Services

Starting on page 26 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 with medications, etc. The list of adult day care centers, starting on page 28, is comprehensive for the 11-county metro area. An excellent source of information is the Minnesota Adult Day Services Association, 763-464-2698 or www.madsa.org.

Hospice Care Starting on page 28 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 bereavement—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. 24

Senior Housing Guide • 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, 651-659-0423.

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

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.

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.

Senior Housing Guide • www.seniorhousingguide.us

Moving Checklist 10 – 12 Weeks to Moving Day

q After you have decided on your new home, ask the marketing director for a measured floor plan so you can determine which furniture you’ll be able to bring, and where it will be placed. q Create and maintain a file for all moving papers and receipts.

q Ask movers for estimates in writing. Make sure to inquire about insurance and what items they can/ cannot move. Many movers will not move alcohol – so worst-case scenario is you invite your friends and neighbors over to have a last drink in your old home. The moving company should provide a list of items they will not move.

8 Weeks to Moving Day Declutter (this may take longer depending on your level of clutter)

q Now is the time to give children and grandchildren things you want them to have. q Identify items to toss, give to charity, or sell at a garage sale or online. Color-coded stickers can be very useful. q Have a garage sale – if that is part of your plan.

q If you have a hard time giving something up, but you know it will not fit in your new home take a picture. q Start using up things that can’t be moved; frozen foods, housekeeping supplies, etc. q If you are moving into a place that has dining, downsize your kitchen, but keep your favorite cookbook.

6 Weeks to Moving Day

q If you’re moving far enough away that you will need new doctors, start researching now. Request copies of your medical records from dentist, physician, eye doctor. q Again if you are moving far enough away you will need a new bank so open an account, order checks. q Take pets to veterinarian for necessary shots and make arrangements for moving them. q Don’t forget a new veterinarian for your furry 30

Senior Housing Guide • www.seniorhousingguide.us

friends, and get a copy of their records for the new veterinarian.

q Send change of address info (including date) to your: banks, attorneys, credit card companies, insurance agents, stockbrokers, social security, magazines and newspapers (for subscriptions). q Contact phone, gas, electric, cable, Internet providers.

q Pick up dry cleaning items, return library books and other things you have borrowed. q Get refills of medications, arrange for prescriptions to be transferred if needed. q Get your car serviced if you are driving a long distance.

q Get packing boxes, tape, and bubble wrap. Pack heavy items in small boxes, but otherwise use boxes that are all the same size (they are easier to move). Do not overstuff boxes. q Start assembling a survival kit for the first night, and breakfast the next morning in your new home.

2 Weeks to Moving Day

q Label boxes as you pack them and write which room they should be left in by the movers.

q When packing is done, count the boxes. Put a label on each box including your name, cell phone number and new address.

q Consider items that should be loaded first – and last. q Complete a mail-forwarding packet from post office.

q When furniture is disassembled collect hardware and store in plastic bags and label them. Write down or photograph how they look assembled. q Wise to transport yourself: pets, photo albums, jewelry, tax and medical records, passports, address book, laptop, ipad—make a backup of any computer files and pack backup files separately.

Moving Day

q Be home to answer questions and remain until movers are done, checking that they did not leave anything behind. Continued on page 33

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

W H E RE Y O U F IT I N 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

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

Owner, Eddie McGill

Eddie’s involved with each and every move making sure it goes smoothly and in a timely manner!

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

Senior Housing Guide • www.seniorhousingguide.us

62 Independent, 48 Assisted and 12 Memory Care Apartments • Staffed 24/7

A nonprofit affiliated with the MN Conference of the United Church of Christ.

“Thanks again for all your help in getting settled into Oak Meadows. Mom was so happy there and always said she wished she had moved in years earlier. We had reasons to look into senior living elsewhere in the state, and Oak Meadows was the gold standard we used in evaluating them. You are doing an amazing job, and it is reflected in the quality of life of your residents.” ~ Former resident’s family member

Call for a tour today – (651) 578-0676

Oakdale, MN • www.oak-meadows.org

GET THE DETAILS ON 100s OF

Senior Living

COMMUNITIES AT seniorhousingguide.us

YOU CAN BRING YOUR MEMORIES WITH YOU o you have precious memories stuck on Dspace? old slides and films, taking up too much We can help by transferring them to DVD. They’ll take up less space and be easier to watch. Plus they’re easy to bring with you and share wherever you go. With 5 metro locations, we have a store close to you. So gather up your memories and stop in today!

Saving Memories (612) 278-6863 Local. Family Owned. 5 Convenient Metro Locations. Coon Rapids  St. Paul  Minneapolis  Roseville  Apple Valley 32

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OPEN THE DIGITAL GUIDE OR SEARCH BY COUNTY OR TYPE OR BOTH

(more)

Moving Checklist

Continued from page 30 q Carefully read, complete and sign the bill of lading and the inventory sheet and keep until all your possessions are delivered, the charges are paid and any claims are settled. A bill of lading is a legal document between the shipper of goods and the carrier detailing the type, quantity and destination of the goods being carried. The bill of lading also serves as a receipt of shipment when the goods are delivered at the predetermined destination. q Make sure movers have your new address with directions and any instructions about moving into the building. Be sure to exchange cell phone numbers. q Record all meter readings upon departure.

q toothpaste, toothbrush

q hair brush

q makeup, razor, toiletries

q prescription medications, vitamins, painkillers q a comfortable pair of shoes

q pens, paper, envelopes, stamps q cellphone and other chargers q a clean set of sheets

q tool kit (hammer, nails, screwdriver, measuring tape, duct tape) q dog/cat food and cat litter

Surviving Until Your Things Arrive Essential Items: q checkbook q extra cash, stamps

q credit/ATM cards/travelers checks q vehicle keys

q moving agreement q inventory q contact information for building management and moving company q area map

q alarm clock q flashlight

q nightlight

q extension cord q sleepwear

q changes of clothing

Survival Kit:

q coffee pot and coffee, creamer, sugar/sweetener q toaster

q plastic silverware, paper plates, disposable cups q can opener

q soap, shampoo, conditioner

q towels, toilet paper, facial tissue

Once You Are There…

q Be present when your belongings are unloaded and check that all your boxes are there and in good condition. q Make sure the boxes are placed in the correct rooms.

q Check out the utilities, see if thermostat is set at a comfortable temperature, if cable is hooked up, etc. q Set up so you can function in essential areas; bathroom, bedroom, kitchen. (Don’t worry about unpacking every box immediately. You can do it one box at a time. Relax and save some time and energy to explore your new home and meet your neighbors).

q Once you are somewhat situated take some time and buy some fun, “Our New Home” cards and send them to friends and relatives to let them know your new address, phone number and that you made it! Senior Housing Guide • www.seniorhousingguide.us

What Do All the Abbreviations in the Grids Mean? While trying to save space, but give you as much information as possible, we have used abbreviations, so if you have a question, here is what they all mean in their “unabbreviated” form.

Featured on Page or Pg.

The residence has placed an ad in the Guide and this tells you what page it appears on. Check out the ad to learn more about the community, learn about their mission statement, what they have to offer, etc. IFC means Inside Front Cover and BC means Back Cover.

Age to Reside

This is the minimum age to live in a residence; most are 55+, a few are 62+.

Floors/Units

Number of floors and total units there are in a residence. If you were looking for a low rise, you would want to look for a building with 3-5 floors or less. If looking at the skyline delights you then a tall building might be for you! And of course if it says 1 floor that means it is 1 level!

Monthly Dues

Residents of condominiums, cooperatives and townhomes pay a monthly fee for upkeep of common areas: hall, parking lot, pool, laundry area, etc.

Realtor – For condominiums/ townhomes

If the word realtor appears instead of a phone number, you need to contact a realtor to assist you; the process of buying a condo or townhome is like buying a single family detached home.

Types of Spaces Available

Studio – Studios are typically one room with an area designated for sleeping and a living area usually with a kitchenette, (small/partial kitchen), plus a bathroom. 1, 2, 3 Bedroom Units/Units with Dens – 1, 2, and 3 bedroom units/apartments may have multiple bathrooms. A den is typically a room without a window, but fairly large, and can be used for a variety of purposes. These units typically have a full kitchen. Communities may have common area laundry facilities, and may even offer complimentary laundry or charge a small fee. Some residences offer in-unit laundry, meaning the washer/dryer is located in your unit and is

Senior Housing Guide • www.seniorhousingguide.us

usually provided by the residence. An in-unit laundry hook-up means you must provide your own washer/ dryer. Shared/Private Suites – A shared or companion suite, or a private suite is typically a large room with private bathroom and does not usually have a kitchen; all meals are provided.

Fee/Security Deposit/Lease

If a residence charges a fee, the fee may or may not be refundable or only a portion may be refundable. Security Deposit is for damage to the unit above normal wear-and-tear and is typically returned (if there is no damage) after the renter moves. A lease can be month-to-month (M-M), 6 months, or a year (YR). Make sure you understand the lease prior to signing it. Pets/Pet Deposit – If weight is given, pets must be approximately that weight or less. Companion animals, with a doctor’s note, are usually not restricted however certain breeds of dogs may be restricted. In some buildings pets are restricted to one floor. Pet Rent means there is an additional rental fee each month. Garage/Month – UG means underground parking often with a monthly fee. Det means the parking is a detached from the residence. Att means the parking is attached to the residence. Onsite parking means there is designated outdoor parking for residents off the street.

Common Areas/ Building Amenities

Residences have a variety of common areas for the enjoyment of residents. Here are some of the most common: community room (CO), craft room (CR), computer room (CP), business center (may include fax, computer, internet) (BC), beauty/barber shop (BS), theater (TH), chapel (CH), guest room(s) (GR), exercise room (EX), exercise program (EP), art studio, (AS), carwash (CW), library (Lib), woodworking shop (WS), and music room (MR). Area Features/Amenities – Most residences are built to take advantage of neighborhood amenities such as being located near a bus stop, shopping, grocery store, hospitals, library, (Lib) post office (PO), etc.

Campus/Onsite

While some residences are stand-alone independent living or memory care, many residences offer different

types of housing or different levels of care in the same building and/or on the same campus. They can range from Independent Living, (IL), to Assisted Living (AL), Memory Care (MC), Care Suites (CS), Enhanced Care (EC), Nursing Homes (NH), and Transitional Care Units (TCU).

Services

In independent living, you typically pay for the unit you occupy and nothing else. But in housing with services, bricks and mortar are now combined with services. These may be included in the rent or you can pay for them as needed, à la carte. Some residences offer a package or have a variety of packages and you choose the one that best suits your needs. Since programs vary greatly, make sure you understand what you will be receiving included in your rent, and what you may need to pay extra for. If 2 persons are living in a unit there is usually a second fee for meals/services, so make sure to ask about those costs.

Payment for Services/ Waivers/Programs

While all places accept private pay, another way to pay for services is by using long term care insurance (Ltci). Still other residences will accept waivers; elderly waiver (EW), traumatic brain injury (Tbi), brain injury (BI), and Community Access for Disability Income (Cadi). Group residential home (Grh), is a program that will help pay for room/board and meals. Veteran’s benefits (VA), may also help pay for services. In some instances Medicare (MC) and Medical Assistance (MA) will also help pay for services. Elderly Waiver – An Elderly Waiver is probably the most common waiver residents use to help pay for services. In some residences when you move in, you are required to privately pay for services for a period of time, which could mean 1 to 3 or more years. And then after a certain period of time you can use a waiver, if one is available. Other residences allow you to move in and begin using a waiver immediately, but again this depends on the availability of the waiver. It is important to ask questions and make sure you understand how services will be paid for. Response System – A way to signal for assistance. This could be a buzzer or pendant worn by the resident. Is the cost for this included in rent? Or is there a separate charge?

Dining/Meals Program – Are all meals or some meals included in the rent? If your program included 1 meal/day could you purchase more? If you have special dietary requirements, can those be met? Housekeeping – Is housekeeping once a week or once a month? Is it dusting/cleaning the floors or does it mean the end result is a sparkling clean bathroom? Is additional housekeeping available? Laundry/Linen – Does laundry/linen mean only linens/sheets? Does it include personal laundry? Is there an extra charge for personal laundry or are a certain number of loads per week included? Personal Care – How much personal care is included or is it purchased separately? Are there different packages that can be purchased? Will needing more care mean moving? Scheduled Transportation – This refers to transportation for group outings. If you need transportation to a medical appointment will staff help to arrange it for you? Highest Level of Memory Care – Mild, Moderate (Mod), Late/Acute (end of life).

FOR SUBSIDIZED RENTALS

Service Coordinator – If there is staff to coordinate services: meals, housekeeping, laundry, personal assistance. Other Languages Spoken – Languages spoken other than English by someone on staff; Arabic (A), Hmong (HM), French (FR), Sign Language (SL), Spanish (SP), Somali (SO), Russian (R).

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

www.seniorhousingguide.us Senior Housing Guide • 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

Architectural Styles, Services and Amenities

Condominiums and cooperatives generally resemble apartment buildings, and are made up of many individual living spaces. Townhomes or rowhouses can be single, double or multi-family – each with their own entrance. These may be one or more stories tall, with or without a basement. Any of these options may offer a few services, like dining. But they are usually designed for Independent Living. If a resident wishes to age in place, someone can arrange for services to be brought in. Because these types of housing appeal to active adults, they often include such amenities as a clubhouse, virtual golf, business center, and etc.

Condominium and Townhome Ownership

Owners of townhomes and condominiums (condos) hold the titles to their units. But common areas (halls, club house, parking garage, etc.), are jointly held by all residents. One difference between townhome and condo ownership is that townhome owners own the land their unit occupies. Condo owners do not. The land is owned jointly with other residents.

Mortgages and taxes are handled in the same way for any owned home. Additional townhome and condo fees are collected to cover the costs associated with common areas. Most condos and townhomes are eligible for reverse mortgages. This can help if there’s a substantial assessment for repairs/improvements in the common areas. Timing of projects like roof or siding replacement, is generally decided by an elected Board of Directors.

Cooperative Housing

Coop residents sign an occupancy agreement to pay a one-time membership fee buying shares in a corporation (made up of residents). But, the property is actually owned and operated by the corporation. Residents also pay a portion of the mortgage and maintenance costs in monthly fees. “Limited equity” coops allow sellers to earn only a certain amount of the gain/profit when their unit is resold. And, because the living space is not owned outright, conditions may apply when selling one’s membership and equity. These conditions should be explained at the time of purchase.

How

to Use a Reverse Mortgage to Purchase a Condominium, Townhome or House Many people wish to downsize their housing when they get into their 50s and 60s. Reasons vary: the youngest child has been launched and the nest seems too large, the travel bug has bitten them and they want to turn the key and leave, or perhaps they simply want to live maintenance free. You can use a reverse mortgage to purchase an FHA approved property from single-family houses to multi-unit residences to condominiums and townhouses. Cooperatives in Minnesota are not yet eligible for a reverse mortgage.

How did this all come about? 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 purchaseto-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 Continued on page 154

Senior Housing Guide • www.seniorhousingguide.us

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

Find more details about Retirement Communities at www.seniorhousingguide.us

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

Independent Living Market Rate Rentals

“Market Rate Rentals” refer to housing that is paid for by rent, just like any other apartment. A lease is signed stating the monthly cost for a designated period of time. At the end of the lease, the landlord can increase the rent. Communities can offer several versions of apartments ranging from studio/efficiencies to 3 or even 3+ bedroom apartments with one or more bathrooms. Some also have a den, which is a windowless room that can be used for a variety of purposes. Prices vary widely by square footage or amenities (view, sunroom, in-unit laundry, etc.). Costs can also be affected by the addition of services like housekeeping and meals. Most market rate apartments are low or high-rise buildings. But some townhouse style units are available and these each have their own entrance.

Rentals with Income Guidelines

Some market rate complexes offer all, or a percentage of their units, under government programs that provide financial assistance to moderate-income individuals. Costs for these units are below market rate and renters pay a fixed amount for their monthly rent.

Rentals with Entrance Fees

Some market rate residences may charge an entrance fee. This fee can help to reduce the monthly rent rate or pay for amenities (like a bus, activities program, etc.). In some cases this may be refundable or partially refundable.

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 9, 2018 · 9 am to 4 pm.* *Subject to change. Tour a variety of housing options for those 55+. Transportation/lunch included · Minimal fee $40 · Limited to 22 participants. Participants must be able to board and deboard bus.

Senior Housing Guide • www.seniorhousingguide.us

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

Find more details about Retirement Living in the 11-county metro area at www.seniorhousingguide.us

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

Housing

with

“Market Rate Rentals” offering supportive services is called “Housing with Services.” While you still live independently, services are available if you want/need them. Payment for this type of housing is similar to other market rate rentals where you pay a monthly fee to occupy a space. Usually a lease and deposit are required. Read more about market rate rentals in the previous section. If you’re someone who likes to winter in Arizona, it’s good to consider how services are paid for – as part of

Services

the rent, or separately. Some communities offer a variety of service packages so you can choose one that suits you best; others offer services à la carte. Many residences offer a “continuum of care,” which includes Independent Living, Assisted Living, and Memory Care all on the same property or “campus.” More detailed information about “Assisted Living” and “Memory Care” are included in separate sections of the Guide.

Senior Living in the Heart of Woodbury At Woodbury Senior Living, we serve seniors by encouraging them to thrive. We offer a wide variety of wellness-focused services and activities while empowering our residents to live as independently as possible. Woodbury Senior Living provides a full spectrum of care options in a campus setting. Our campus is designed so all buildings are interconnected to create a vibrant community.

Woodbury Senior Living offers... • Assisted Living Memory Care • Long Term Care • Transitional and Rehabilitation Care • Physical, Occupational, Speech and Integrative Therapies to Support Your Healing Process

Proudly serving the Woodbury community for over 30 years. On the corner of Woodlane Drive and Lake Road in Woodbury.

We welcome you to call for a tour of our campus: 651-501-2105 or visit us online at www.woodburyseniorliving.com

Senior Housing Guide • www.seniorhousingguide.us

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

GET THE DETAILS ON 100s OF Senior Living COMMUNITIES AT

seniorhousingguide.us OPEN THE DIGITAL GUIDE OR SEARCH BY COUNTY OR TYPE OR BOTH

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

CommonBond

COMMUNITIES

Building Stable Homes, Strong Futures and Vibrant Communities Since 1971.

Quality, Affordable Housing Many Convenient Locations

CommonBond is the largest nonprofit provider of affordable housing in the Upper Midwest. See page 5 for our properties that serve older adults.

Advantage Services Help Residents

What sets CommonBond apart from other affordable housing providers are our Advantage Services. Common-Bond offers on-site services designed to help residents (age 62+) and residents with disabilities live independently for as long as possible, continue learning and growing, and engage in the life of the greater community.

To learn more about CommonBond Communities, Call us at 651-291-1750 or visit at www.commonbond.org

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

Assisted and Enhanced Care Living • Customized Transportation Provided

• Ida Marie Bistro & Restaurant • Full Engaging Activity Schedule • Dedicated Faithbased Chapel

• Health and Wellness Center • Studios, 1 & 2 Bedroom Apartments

• Theatre

• Enhanced Care Suites

• Salon/Spa

Our mission is to go above and beyond our residents’ expectations.

The Legacy of St. Anthony 2540 Kenzie Terrace St. Anthony, MN 55418

612-843-3700

www.thelegacyofstanthony.com

Call today for your VIP experience!

iving here is good L f or mind, body and soul.

To learn more about our assisted living community, call (763) 417-4625. All faiths or beliefs are welcome.

A part of Lang Nelson winner of over 119 MADACS awards.

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Senior Housing Guide • www.seniorhousingguide.us

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Redefine Senior Living

EDGEWOOD SENIOR LIVING EDGEWOOD SENIOR LIVING

The Guide is an annual publication. Reserve your spot early and get 2 ads for the price of 1 – 1 in the Guide and 1 on the website!

Call 651.690.3141

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Village Apts. of Shakopee

At Avinity, our mission is to create communities for older adults that nurture body, soul and spirit.

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

for adults who are at least 62 years of age or older. 1440 4th East Avenue All Non-Smoking 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. Enjoy small town living near a metropolitan area, call us today if you are 62 years plus!

Call or click to schedule a tour today!

www.AvinitySeniorLiving.org

Edendale Residence of Eden Prairie

16700 Main Street, Eden Prairie, MN 55346 • 952.934.5016

NE W ! 245 76th Street West, Richfield, MN 55423 • 612.241.0774

Havenwood of Richfield

Mainstreet Village of Richfield

7601 Lyndale Avenue South, Richfield, MN 55423 • 612.869.6584

Mill Pond Gables of Champlin

952-403-1086

201 Hayden Lake Road E, Champlin, MN 55316 • 763.576.8696

Scandia Shores of Shoreview

478 Highway 96 West, Shoreview, MN 55726 • 651.415.9793

WestRidge of Minnetonka

17201 Fairfield Road, Minnetonka, MN 55305 • 952.512.0547

Senior Housing Guide • www.seniorhousingguide.us

Your Fleet Solutions Partner

C elebra t i ng 71 Ye a r s ! Sales:

Bringing Bringingthe the Bringing Clinic Clinictoto toYOU. YOU. Clinic

Bluestone Bluestone Physician Physician Services Services provides provides on-site on-site primary primary care services care services for residents for residents livingliving Bluestone Physician Services provides on-site primary care services for residents living in assisted in assisted living,living, memory memory care or care group or group homehome communities. communities. The physician-led The physician-led care teams care teams in assisted living, memory care or group home communities. The physician-led care teams visit the visitpatients the patients on a regular on a regular basisbasis and collaborate and collaborate with the withfacility the facility staff staff and patient’s and patient’s visit the patients on a regular basis and collaborate with the facility staff and patient’s familyfamily to provide to provide customized customized medical medical care.care. family to provide customized medical care.

CallCall 651.342.1039 or visit visit BluestoneMD.com BluestoneMD.com to learn learn more. more. Call651.342.1039 651.342.1039 ororvisit BluestoneMD.com totolearn more.

• Stock inventory available • Custom build to specifications • Finance & lease options to fit budget • 8 product lines offered • Combined 88 year sales experience • Priced to earn your business

Service:

• Preventative Maintenance • Wheelchair Lift Maintenance & Repair

Parts: • Parts for all makes and models • Parts delivery available • Competitive pricing

Distinctive Senior Living!

Welcome to our Community of Neighbors Summer, Fall, Winter and Spring, living at Gramercy is a wonderful thing!

• Great location in the heart of Richfield. Within walking distance to everything you need. • Conveniently located across the street from beautiful Wood Lake Nature Center.

Our location says it all!

• 1, 2 & 3 bedroom spacious homes with washer/dryer. Pet friendly. • Many social activities & amenities.

6711 Lake Shore Drive Richfield, MN 55423 www.gramercylakeshore.com

612.861.1378

PRODUCT LINES: • BraunAbility • MobilityTrans • Champion Bus • Prime-Time • Collins Bus • TurtleTop • Glaval Bus • Waldoch

Sales: 800.866.3105 Parts: 612.999.9505 Service: 612.999.9501 9545 Penn Ave S. Bloomington, MN 55431 www.hoglundbus.com

Senior Housing Guide • www.seniorhousingguide.us

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

Call for a Tour! 763-755-0320

Come see Valley View Cooperative of Eden Prairie! Overlooks Lake Smetana Walking Trails · Personal Gardens  Close to amenities –

shopping, restaurants, golf, concert and sport venues

 Spacious 1 & 2 bedroom

units with decks; 12 floor plans

 Ideal location – central to Eden

Prairie, Edina, Minnetonka and Bloomington at the nexus of I-494, Hwy 212 and Hwy 169

 High resident satisfaction – we are a Family of Friends

free e k o Sm For a personal tour –

952-943-9463

valleyviewcoop@gmail.com 10785 Valley View Road Eden Prairie, MN 55344 ValleyViewCoopofEdenPrairie.com

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

YOU’RE

r TOO OLD e v e N NEW GOAL TO SET A

DREAM A NEW DREAM Sholom offers care and support services to keep you on your toes.

855-5-SHOLOM • Assisted Living • Enhanced Assisted Living • Market-Rate Apartment Homes • HUD-Supported Housing • Skilled Nursing

• Memory Care • Adult Day Services • Short-Term Rehab • Home Care • Hospice

855-574 - 6566

ACKERBERG FAMILY SHOLOM WEST Minneapolis • St. Louis Park, MN SHALLER FAMILY SHOLOM EAST St. Paul

SERVING THE TWIN CITIES METRO AREA

Sholom Home Care Sholom Johnson Hospice Agency

www.sholom.com Senior Housing Guide • www.seniorhousingguide.us

MILLPOND APARTMENTS A residence for those over 62 years old.

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

Please call Barbara for an appointment

612-333-9284

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

Community + Connection + Independence = Vibrante

Suites available. Call for a conversation today!

Engaged Living. Thriving Women. | vibranteliving.com

Vibrante is a shared living community where women don’t have to age alone: staying vibrant, healthy, engaged...contributing to the greater good. If you’re age 55 or older and want to enjoy the company of like-minded women in a private, home environment, Vibrante is the place for you. Call Roxanne at 612.816.6940 to explore living in this luxurious, newly-remodeled fourbedroom home with Lake Nokomis views, complete with concierge services.

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 9, 2018 · 9 am to 4 pm.* *Subject to change. Tour a variety of housing options for those 55+. Transportation/lunch included · Minimal fee $40 · Limited to 22 participants. Participants must be able to board and deboard bus.

Senior Housing Guide • www.seniorhousingguide.us

Celebrating 90 Years

A full continuum of care,

when you need it.

Residential Living • Assisted Living • Memory Care • Skilled Nursing Residents and non-residents alike can enjoy the peace of mind that comes with access to our on-site continuum of health care services. At Covenant Village of Golden Valley, we focus on you, your specific needs and personalized care.

To learn more, call 1-877-473-6903 or visit www.CovenantVillageOfGoldenValley.org 5800 St. Croix Avenue North Golden Valley, MN 55422 Covenant Retirement Communities is a ministry of the Evangelical Covenant Church.

Covenant Retirement Communities does not discriminate pursuant to the federal Fair Housing Act. All faiths and beliefs are welcome.

952-227-0494

Assisted Living Independent Living Memory Care Skilled Nursing Care Rehabilitation Services Chaska & Waconia auburnhomes.org

Making every day extraordinary

New Hope • Brooklyn Park Robbinsdale • Shoreview • Woodbury

Independent living Transitional care Rehab & wellness Inpatient & outpatient therapies Home health care Assisted living Long-term care Memory care Hospice & palliative care Pastoral care

w w w. s ainttherese.org Eq ua l ho us i ng o p p o rt uni t y

Senior Housing Guide • www.seniorhousingguide.us

ENJOY THE FREEDOM OF OUR MAINTENANCE-FREE, TURN-KEY LIFESTYLE! Take the worry out of home ownership and see why today’s vibrant older adults are choosing this cooperative community lifestyle! OPENING 2019

OPENING 2019

Applewood Pointe of Champlin at Mississippi Crossings

Applewood Pointe of Eagan

Applewood Pointe of Maple Grove at Arbor Lakes

Call the community of your choice for home availability and to schedule a tour. Bloomington 952-881-3409

Bloomington at Southtown 952-881-1001

Bloomington at Valley West 952-737-6140

Champlin 763-233-0600

Maple Grove 763-553-0341

Minnetonka 952-230-6100

New Brighton 651-636-1137

Roseville 651-636-2161

Roseville at Langton Lake 651-633-4421

Roseville at Central Park 651-424-4500

Shoreview 651-529-1880

Woodbury 651-578-0850

See for yourself how easy and affordable a new Applewood Pointe home can be!

www.applewoodpointe.com

Senior Housing Guide • www.seniorhousingguide.us

FOR MORE INFORMATION, MEETING DATES AND TOURS CALL 952-884-6400

Baby Boomers, we’ve been expecting you. Whether you’re moving closer to your family or closer to relaxation, an SRES® designee will take the extra time to find you the home of your dreams.

Michelle Larson SRES, Broker

www.mnpremierhometeam.com

612-751-9303

Renee Zugschwert SRES, Realtor

Inspiring Choices for Senior Living at Cherrywood Pointe

Inspiring Choices for Senior Living

CherrywoodPointe.com

Choose your location... Forest Lake Minnetonka Plymouth Roseville Roseville at 651.464.2709 952.525.4555 763.478.4244 651.633.0044 Lexington 651.766.2266 Choose your apartment... Studio, 1 Bedroom, 1 Bedroom with Den, 2 Bedroom or 2 Bedroom with Den. Most with decks and in-home washers and dryers. Choose your services... Offering Senior Living, Assisted Living, Memory Care or Enhanced Care. Have peace of mind knowing that our “Age in Place” model is here to support you as your needs change. CALL US TO SCHEDULE A TOUR TODAY! Cherrywood Pointe is managed by Ebenezer Management Services, an experienced provider of residential and health care environments for seniors since 1917.

Senior Housing Guide • www.seniorhousingguide.us

Realife Cooperative of Brooklyn Park • 763-315-3993 www.seniorsonedinburgh.com

Realife Cooperative of Coon Rapids • 763-427-2739 www.seniorsonmain.com

Realife Cooperative of Bloomington on Nicollet • 952-881-1215 www.realifebloomington.com

Realife Cooperative of Phalen Village (St. Paul) • 651-779-6639 www.realifecoopphalen.com

Realife Management

• 952-953-5020

www.realifemanagement.com

Senior Housing Guide • www.seniorhousingguide.us

Supported with care. Surrounded by love.

At Catholic Eldercare, you’ll experience a full continuum of care that promotes independence and adapts to your changing needs. So you can continue to grow in a place of love and trust. All faiths welcome! RIVERVILLAGE NORTH Subsidized Independent Living 612.605.2501

RIVERVILLAGE EAST Assisted Living & Memory Care 612.605.2500

ADULT DAY SERVICES Adult Day Center 612.362.2405

ALBERT J. HOFSTEDE CARE CENTER Skilled Nursing & Memory Care 612.379.1370

MAINSTREET LODGE Assisted Living 612.362.2450

TRANSITIONAL CARE UNIT Rehabilitation Care 612.379.1370

NURTURING LIFE’S AGELESS SPIRIT.

New Independent Living Community — Opening in Late 2018! Equal Opportunity Employer. Equal Housing Opportunity.

Senior Housing Guide • www.seniorhousingguide.us

our purpose...

to enrich happiness in the lives of our residents

Assisted Living • Memory Care Champlin

651-363-0863

Maplewood

651-425-0687

Hugo

651-368-0209

North Branch

651-368-4678

(memory care only)

enrichinghappiness.com

Live in the heart of Woodbury

THE GLEN AT VALLEY CREEK Brand New 62+ Senior Community Opening July 2019

• Services available to promote aging in place • Washer and Dryer in home • Community Room, Activity and Reading Room and a Fitness Center

• Smoke Free Community • Easy access to shopping, healthcare facilities, and recreational activities.

7987 Afton Road, Woodbury MN 55125 | 651.578.2380 86

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Now Open!

Independent Living • Assisted Living Memory Care • Care Suites • Respite Suite

The KEY to

55+ ownership!

(651) 322-4222

14344 Cameo Avenue Rosemount, MN 55068

Creating a Positive Environment and a Feeling of Home! Long Term Care Alternative Memory Care ◆ Respite & Hospice

The KEY to

independent living!

The KEY to

affordability!

New Woodbury Location Now Accepting Reservations!

The KEY to

having a say in how your cooperative operates! Call Cathy

651-450-9851

Comfortable Residential Care  Continuing Traditional Values

(651) 714-7075 www.hometownseniorliving.com Locations in Eagan, MN – Rosemount, MN Woodbury, MN & Hudson, WI

5688 Brent Avenue Inver Grove Heights Find prices and floor plans at

gramercyinvergrove.org

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WE HELP

SENIORS & THEIR FAMILIES

navigate senior living.

Guide transition to Assisted Living or Homecare (what’s needed)

Advocate on your behalf

Advocacy

Coordinate Transition of Care

Elder Law Resources

Dementia Alzheimer’s Care

Hospice & Palliative Care

Hospital Liaison

Discover the GA Advantage!

Let us help you or a loved one find the right senior living community.

Professionals that can help

Care Options

Veterans Mobility Issues

Family Mediation

At your free consultation, we will: Explore senior living options that best meet your needs Tour “right fit” senior living communities Connect to the right resources such as real estate, retro-fit construction, movers, storage facilities, and more Explore educational seminars on senior opportunities and trends Navigate funding options FREE SERVICE for Seniors & Their Families

612.406.1211 Barbara Hemberger

Senior Living Advisor

BHemberger@YourOasisAdvisor.com OasisSeniorAdvisors.com/Northern-Twin-Cities

Otsego...Opening Fall 2018!

GET THE DETAILS ON 100s OF Senior Living COMMUNITIES AT

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651-789-2299

Multiple languages spoken!

• Locally owned and operated • We specialize in PCA and Homemaking services • Comprehensive background checks and training completed for all employees • We are Bonded, Licensed, and Insured • We accept most types of insurance and private pay

We’re here to help...Connect with us today! info@mycaringpro.com • www.mycaringpro.com

Steven Scott Senior Communities

EXCEPTIONAL Active LIVING. Senior Living Three Convenient Locations AFFORDABLE PRICING. Pine Manor Circle Pines 763-784-2404

Osceola Place* St. Paul 651-228-1042

Steven Scott Senior Communities

Senior Living at its best!

Arbor Pointe* St. Paul 651-793-5177

1 and 2 Bedrooms from $850, planned social activities, wonderful community amenities, elevators, heated underground parking, washers/dryers in some homes, spacious floor plans.

Active Senior Living Three Convenient Locations

Steven Scott Senior Communities

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

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

Arbor Pointe* St. Paul 651-793-5177

1 and 2 Bedrooms from $850, planned social activities, wonderful community amenities, elevators, heated underground parking, washers/dryers in 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

Our apartments, one-level rental townhomes, and assisted living care suites feature a full array of amenities and services. Our communities of caring are located in Coon Rapids, Savage and Prescott, WI. Call us for a tour 763-862-5432

www.marytinc.com EQUAL HOUSING OPPORTUNITY

www.steven-scott.com

SENIOR 55+ LIVING: • 1 and 2 bedrooms from $825 • planned social activities

*Income restrictions apply

RIVERVIEW HIGHLANDS St. Paul 651-696-8420

Find more details about Senior Living in the 11-County Metro Area visit www.seniorhousingguide.us

• wonderful community amenities • elevators • heated underground parking • washers/dryers* • spacious floor plans

LAKE STREET STATION** Minneapolis 612-728-3000 * in some homes ** income restrictions apply

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Life is better on the river. Senior Apartments We are now accepting applications for subsidized one and two bedroom apartments. • Grocery Bus • • Social Events • • Near Bus Lines •

Independent Living - Assisted Living - Memory Care Adult Day Services & Wellness Center

• Emergency Pull Cords •

Opening Fall, 2018 – Otsego, MN

on the Mississippi River

• Great Neighbors and More •

Call 763-746-3400 for more information.

• On-Site Laundry •

guardianangelsmn.org

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

Elder Law Attorney We built our reputation for excellence one client at a time. Even though our firm

Labor Plaza, St. Paul

has handled thousands of

(651) 776-3896

estate plans, we know the

Glen Lake Landing, Minnetonka

plan that matters most to you

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advice about wealth transfer,

Labor Retreat, Minneapolis (612) 378-2946

Regency Apartments, Mason City, IA

is your plan.

Terry Merritt (952) 953-8824

medical assistance and estate planning, please call today!

Elder Law ● Estate Plans ● Medical Assistance

(641) 424-0437

pstork@nathcompanies.com www.nathcompanies.com 90

For honest

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(952) 953-8824 www.dmshb.com Suburban Office Free Parking

“She was off her anxiety medication in three days.” Assisted Living. Memory Care. Done Better.

6-person homes in Roseville & Shoreview arthursseniorcare.com

Senior Housing Guide • www.seniorhousingguide.us

New Friends, More Fun … A Great Life!

You’ll Love Landings!

• Three delicious chef prepared meals a day in our dining room • Panoramic views of nature, certified butterfly garden • Adjacent to fitness center and walking paths • 24-Hour personal care assistance • Life enrichment – social, cultural & recreational programs • Movie theater onsite • Only 20 minutes to Downtown Minneapolis and fine dining • Call us Today! 952-988-0011

14505 Minnetonka Drive, Minnetonka, MN 55345

Everyone Deserves a Great Life

Nokomis Square Cooperative is ideally located: nestled in a quiet and comfortable Minneapolis neighborhood, just minutes from the airport, Mall of America and downtown. 62 plus independent living at Nokomis Square Cooperative offers many amenities to enhance your daily life: on-site fitness center, beauty/barber shop, Fountain View Dining Room and underground parking. Enjoy many conveniences such as Direct TV, hispeed internet access and landline phone service with no extra charge. Cooperative lifestyle encourages independence and member involvement, and you choose your level of participation. Compare our financial advantages with an easy worksheet located on our website, or call us for more information.

5015 35th Avenue South Minneapolis, Minnesota 55417 Equal Housing Opportunity

Senior Housing Guide • www.seniorhousingguide.us

Subsidized Rentals 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 you can use in a variety of locations.

How Much Rent Would I Pay?

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.

Type 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 below.

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 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 listed below.

Amenities and Supportive Services

Amenities differ from building to building, but most buidings have community and laundry rooms and elevators. Some subsidized buildings also have services available such as help with housekeeping, laundry, meals, and personal care. Payment for services is on a sliding-fee scale. Wheelchair-accessible apartments are available.

Housing Choice Vouchers

Vouchers help people afford to live in a building of their choice. The subsidy is tied to the person and even if you move you can usually keep your voucher. The process of getting a voucher can by lengthy and once you have it, you must find your own housing. Visit the Housing Link, www.housinglink.org to find landlords who wish to participate in this program. To apply for a voucher contact your local Housing Redevelopment Authority listed below.

Income Eligibility for Public Housing

Income Eligibility Limits* – Low Income, (LI), 1 person – Mpls $46,000 / St. Paul $46,100 Very Low Income, (VLI), 2 person – Mpls $52,000 / St. Paul $52,650 * Subject to change

Housing Redevelopment Authorities Counties – Housing Redevelopment Authorities • Anoka, Carver, suburban Hennepin & suburban Ramsey: 651-602-1428 • Chisago & Isanti: 651-674-5664 • Dakota: 651-675-4400 • Scott: 952-402-9022 • Washington: 651-458-0936 • Wright: 320-252-0380

Cities • Bloomington: 952-563-8937 • Plymouth: 763-509-5400 • Richfield: 612-861-9770 • St. Paul: 651-266-6604

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Assisted Living Many terms can be used to describe the combination of housing and services. They can vary from state to state. But, in Minnesota, “Housing with Services” usually means some (or all) of the following services are available: dining, housekeeping, laundry and personal care. Sometimes some of these amenities are included in monthly rent; in other facilities these represent extra charges. “Assisted Living” communities offer the same services. But in order to be licensed as Assisted Living, minimum requirements must be met for services provided. These include: 2 meals daily; daily safety check system; weekly housekeeping and laundry service; assistance with 3 or more activities of daily living” (dressing, grooming, bathing, eating, transferring, toileting and continence care); as well as assistance in arranging transportation; plus, help accessing community and social resources. In addition, health-related services must include assistance with self-administration of medication, or staff-administration of medicines -- supervised by a Registered Nurse. Assisted Living residences must also have staff available 24/7 to respond to requests for health or safety needs*. It’s possible to find Assisted Living residences ranging from cozy, single-family homes with just a few (5-10) residents (see the section on Residential Care Homes), to much larger complexes with 100-plus residents. They may be standalone facilities, or part of a campus that offers a continuum of care. Costs vary depending on the level of care required, and these may change as a person’s needs change. Services are paid by the resident/family, either à la carte or as part of monthly rent. In some cases, waivers or programs can cover some or all of the costs. An excellent resource is the “Consumer Checklist for Assisted Living” which can be found on the website for the Assisted Living Federation of America: www.alfa.org. *Some Assisted Living settings have 12, or fewer, residents and may qualify for an exemption that permits them to use staff who are allowed to sleep onsite 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 114

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Aging

• chore services (shoveling, lawn maintenance, and 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 Continued on page 154

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Find more details about Retirement Living in the 11-county metro area at www.seniorhousingguide.us

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Subsidized Rentals

with

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 Residences specializing in the care of people with Alzheimer’s disease and Dementia (other memory conditions) are known as “Memory Care Residences.” Some of these communities are part of a campus that can include Independent Living, Assisted Living and Skilled Nursing/Long Term Care. More recently, stand-alone Memory Care facilities and “Residential Care Homes” are also popping up. These offer new options for those seeking 24-hour care, in a secured environment that safeguards loved ones. To learn more about Residential Care Homes, see the section with that title. A choice of a shared or a private room or an apartment may be available to Memory Care residents. Sometimes facilities incorporate special features – created to minimize confusion and agitation – such as secured walking paths and color-coded hallways or other visual cues. Many communities are extending visiting times and providing private gathering places in their communities to accommodate visiting families and friends. The best Memory Care communities provide ways for residents to build self-esteem, preserve dignity and be reminded of happy times and places. For example: repetition of basic skills and familiar tasks or routines can help stimulate the mind to keep residents from feeling confused and isolated. These considerations, along with the loving attention of friends and family help to ensure the best possible quality of life for those requiring Memory/Dementia Care.

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24/7 Helpline

1 call.

1000s of answers. 800.272.3900

alz.org/mnnd

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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.

When read from left to right, the listings cover:

1. Type of Care: General Care (GC), and/or Memory Care (MC), and/or Respite Care (RC). General Care includes Assisted Living. Respite Care is a short term stay; some residences may require a minimum stay of a certain length. 2. Cost of shared (S), or private (P), room as a daily or monthly rate. 3. Payment for Services/Waivers/Programs – While all places accept private pay, another way to pay for services is by using long term care insurance (Ltci). Still other residences will accept waivers; elderly waiver (EW), traumatic brain injury (Tbi), brain injury (BI), and Community Access for Disability Income (Cadi). Group residential home (Grh), is a program that will help pay for room/board and meals. Veteran’s benefits (VA), may also be available to help pay for services. In some instances Medicare (MC) and Medical Assistance (MA) will also help pay for services. 4. Highest Level of Memory Care: Mild, Moderate (Mod), Late/Acute (end of life).

5. Number of hours a week a nurse is on call and/or on site. 6. If staff will assist residents with medication: reminders, set-up, and administration. If staff will assist residents with the activities of daily living: bathing, dressing, grooming, etc. 7. If staff provides assistance with the management of incontinence. 8. If there is 24 hour awake staff (AS), and/or night monitor (NM). 9. If there is 1 person (1P), 2 person (2P), and/or mechanical lift (ML), transfer assistance available. 10. If the building is a secured building (SB), and/or has a wander alarm system (AS). 11. Is transportation provided by the residence to medical appointments? Y=Yes. Will the residence arrange for transportation to medical appointments? A=Arrange. 12. If pets are allowed with approval. Y=Yes services are available and included in the rent. EC=Extra Charge for available services. If blank it means the service is not available. Senior Housing Guide • www.seniorhousingguide.us

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(more)

Is A Reverse Mortgage Right For You??

Continued from page 21

Who determines the value of my house?

An FHA appraiser determines the value of your house.

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

Who pays the taxes and insurance?

In most cases you pay taxes and insurance.

Will this affect my taxes?

No, it is a loan and the money is not taxed.

Are there any restrictions on how I spend my money?

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.

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.

What types of property qualify?

Would I ever owe more than the house is worth?

• 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.

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?

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.

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.

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 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 info. Senior Housing Guide • www.seniorhousingguide.us

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How to Use a Reverse Mortgage to Purchase a Condominium, Townhome or House (more)

Continued from page 37 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. 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.

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.

Long Term Care Options Counseling: Know all of your options (Continued) Continued from page 114 Counseling. Contact the Senior LinkAge Line® One Stop Shop for Minnesota Seniors at 1-800-333-2433 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. 154

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To receive these types of support contact the Senior 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.

Index 1275 Kruse St. Building �� 50 1440 Randolph �� 54 1666 Coffman �� 38 1900 Third St. NE �� 110 2 Caring Hands �� 148 200 Levee Drive �� 106 37th St. Manor �� 110 4 Seasons at Rush Creek �� 39 516 Humboldt �� 105 7500 York Cooperative �� 42

–A– Abiitan Mill City �� 52, 142 Adagio Manor �� 150 Affinity at Eagan �� 50 Afton Care �� 152 Afton View �� 105 Aging Joyfully �� 149 All Saints �� 130, 144 Alton �� 143 Angel Ridge �� 107 Ann Bodlovick �� 57 Annandale-Knollwood Square �� 108 Anthony James �� 50 Apple Valley Villa �� 61, 96,118, 138 Applewood Pointe �� 40, 41, 43, 44 Aquilla Commons �� 43 Arbor �� 140 Arbor at Ridges �� 61, 118, 138 Arbor Glen �� 70, 131, 145 Arbor Lakes �� 63, 99, 120, 139 Arbor Oaks �� 115, 137 Arbor Pointe �� 54 Arbors White Bear Lake �� 53 Argonne Hills �� 50 Ark on the River �� 148 Arlington Gardens �� 105 Arthurs Sr. Care �� 142, 151 Ashland Place �� 103 Assured Care �� 149 Atrium �� 110 Auburn Courts �� 117 Auburn Courts Mem. Care �� 137 Auburn Meadows & Reflections �� 117, 137 Augstana Chapel View �� 65, 123 Augustana Apple Valley Villa �� 61, 96, 118, 138 Augustana Apts. �� 67, 125 Augustana Regent �� 61, 118, 138, Aurora on France �� 64, 122, 144

Autumn Glen �� 60, 115, 137 Autumn Trails �� 99 Autumn Woods �� 52

–B– Balsam Hills �� 99 Banfill Crossing �� 48 Bards Crossing �� 38 Barrington �� 108 Bassett Creek Commons �� 99 Bayview Sr. Apts. �� 49 Beacon Hill �� 51, 123 Becketwood �� 44 Becky’s Place �� 149 Beehive Homes �� 141, 144 Bel Rae �� 67, 127, 142 Belle Haven �� 106 Belvedere at Chapelwood �� 39 Benedictine Health Center at Innsbruck � 142 Benedictine Steeple Pointe �� 63, 120, 139 Best Care Group �� 149 Bickford Champlin �� 120,139 Bickford Hugo �� 145 Bickford Maplewood �� 127, 142 Bickford North Branch �� 117, 138 Big Lake �� 130 Bii Di Gain Dash Anwebi �� 102 Birchwood Arbors �� 131 Blackhawk Trail �� 38 Blaine Courts �� 48 Blaine Town Square �� 48 Boardwalk �� 99 Boessling Village �� 107 Booth Manor �� 102 Boulders �� 53 Boulevard Crest View �� 60 Boulevard Gardens �� 99 Boutwells Landing �� 57, 70, 131, 145 Braham Heights �� 104 Brask Haven �� 151 Breck Homes �� 149 Bremer Way �� 39 Brentwood Court �� 55 Briarcliff Manor �� 57 Bridge Park �� 104 Bridge Square �� 94 Brightondale �� 127, 142 Britland �� 107 Broadway Court �� 50

Broadway Square �� 108 Broadway Village �� 50 Brookdale Champlin �� 120, 139 Brookdale Eagan �� 138 Brookdale Eden Prairie �� 140 Brookdale Edina �� 64, 122, 140 Brookdale Inver Grove Heights �� 118 Brookdale Minnetonka �� 123, 141 Brookdale North Oaks �� 143 Brookdale Plymouth �� 141 Brookdale W. St. Paul �� 118, 138 Brookridge �� 133 Brooks Landing �� 99 Brookview Cottage �� 148 Bryant House �� 123

–C– Cahill Commons �� 96 Calibre Chase �� 50 Calvary Center �� 44, 99 Cambrian Commons �� 96 Cambric �� 55 Cameo Place �� 96 Cameron Woods �� 38 Canterbury Point �� 39 Cardenas Friendship Home �� 148, 149 Cardigan Ridge �� 67, 127, 143 Cardinal Pointe �� 41 Cardinal Ridge �� 107 Carefree Cottages & Chateau �� 53, 118, 127 Carefree Living �� 138 Carmen Court �� 96 Carondelet Village �� 69, 129, 143 Carty Heights �� 105 Castle Ridge Commons �� 122 Cavanagh Apts. �� 50 Cecilia’s House �� 149 Cedar Crest �� 108 Cedar Hi Apts. �� 110 Cedars �� 110 Celtic Crosssing �� 50 Centennial Hill �� 49 Centennial Villa �� 72, 133, 146 Central �� 112 Central Towers �� 105, 135 Century North �� 108 Century Trails �� 104 Cerenity Res. Humboldt �� 129, 144 Cerenity Res. Marian of St. Paul �� 69, 129

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Index Cerenity Res. Mem. Care �� 143 Cerenity Res. White Bear Lake �� 127 Chandler Place �� 127 Chardon Court �� 63 Charles Horn Tower �� 110 Chaska Heights �� 60, 117, 138 Chauncy Barrett Gardens �� 48 Cherrywood Adv. Living ��115,131, 137, 144 Cherrywood Pointe Forest Lake ��70, 131, 145 Cherrywood Pointe Minnetonka ��65, 123, 141 Cherrywood Pointe Plymouth �� 65, 124, 141 Cherrywood Pointe Roseville �� 67, 127, 143 Cleveland �� 112 Cloverleaf Courts �� 48 Cobble Hill �� 57 Cobblestone Square �� 96 Cokato Apts. �� 58, 109 Cokato Parkview �� 109 Colleen Loney �� 96 Colony �� 64, 122, 140 Columbia Village �� 94, 134 Comfort Residence �� 115, 137 Commons �� 122 Commons on Marice �� 118, 138 Community Ast. Lvg. �� 148, 152 Como by the Lake �� 55 Concordia Arms �� 104 Condominiums of Oak Hill �� 38 Cooperage �� 102 Copperfield Hill �� 63, 120, 139 Cornelia House �� 55 Cornerstone Commons �� 65, 124 Cornerstone Coop �� 44 Cornerstone �� 141 Cortland Square �� 97 Cottage Villas of Arden Hills �� 53 Cottages of Annandale �� 58 Cottages of Aspen �� 57 Cottages of Coon Creek �� 48 Cottages of Cottage Grove �� 57 Cottages of Spring Lake Park �� 48 Cottages of Vadnais Heights �� 53 Cottages of White Bear Township �� 53 Cottages of Willow Pond �� 48 Cottagewood �� 146 Cottagewood �� 133 Country Club Manor �� 50 Countryside �� 49 CountrySide Cottages �� 58

156

Covenant Village �� 36 Covenant Village Colonial Acres �� 141 Covenant Village of Golden Valley �� 36, 65 Covenant Village Heritage House �� 141 Covenant Village Woodside Terrace �� 124 Coventry �� 104 Coventry of Mahtomedi �� 131, 145 Cozy Care Adult Lvg. �� 148 Creekside Commons �� 56 Creekside Cottage Mary T. �� 115, 137 Crest Ridge �� 65, 124, 141 Crest View on 42nd �� 115 Crest View on 42nd, Ruth’s Way �� 137 Crest View Royce Place Ruth’s Place �� 137 Crest View Sr. Comm. At Blaine ��60, 115, 137 Croixdale �� 70, 131, 145 CrossCroft �� 38 Crossings at Brookwood �� 50 Crossings at Town Centre �� 49 Crossroads �� 97 Crow River Villa �� 109 Crystal �� 50 Cypress �� 57

–D– Dakota Heights �� 97 Dakotah �� 97 Deephaven Wood �� 65, 141 Delano Commons �� 109 Dellwood Estates �� 48 Dellwood Gardens �� 129 Demar Catered Lvg. Mary T �� 115, 137 Diamondcrest �� 63, 121 Dickman Park �� 111 Dover Hill �� 100 Dow Towers �� 100 Dublin Park �� 94 Dunedin �� 112

–E–

Eagan Pointe �� 61, 118, 138

Eagle Pointe �� 39 Eagle Ridge Place �� 97 Eagle Street by Mary T �� 115, 137 EagleCrest �� 68, 127, 143 East Shore Place �� 108 East Terrace Coop �� 44 Eastwood Village �� 57 Ebenezer Park �� 102 Ebenezer Ridge Point �� 97

Senior Housing Guide • www.seniorhousingguide.us

Ebenezer Tower �� 52, 102 Echo Ridge �� 57 Ecumen Centennial Hse �� 118, 138 Ecumen Lakeview Commons �� 127, 143 Ecumen North Branch �� 117, 138 Ecumen Point Pleasant Heights �� 61 Ecumen Prairie Lodge �� 121, 139 Ecumen Seasons ��61, 68, 118, 127, 138, 143 Edendale Residence �� 100 Edgemont Place �� 137 Edgerton Hi-Rise �� 112, 135 Edgewood Gables �� 72 Edgewood Sr. Lvg. �� 115, 137 Elder Haven Homes �� 152 Elder Homestead �� 124, 140 Elim Meadows �� 60 Elim Shores �� 64, 122 Elk River �� 72, 133, 146 Elk Terrace �� 107 Elliot Twins �� 111 Elmhurst Commons �� 67, 126 Emerald Crest Burnsville �� 138 Emerald Crest Minnetonka �� 140 Emerald Crest Shakopee �� 144 Emerald Crest Victoria �� 138 Engle Haus �� 72, 133, 146 English Frost Village �� 53 English Rose Suites �� 149 Epiphany �� 115 Epiphany Mem. Care �� 137 Epiphany Pines �� 60 Estates at Arbor Oaks �� 48 Etshaddel Health Care �� 151 Evans Park �� 56 Evergreen Apts. �� 95 Exchange �� 112

–F– Fairfield Terrace �� 97 Falcon Heights Town Square �� 53 Family Tree Homes �� 149 Farmstead at Andover �� 60, 115, 137 Folkstone �� 65, 124, 141 Founders Ridge �� 64, 122, 140 Fountains at Hosanna �� 61, 118, 138 Franklin Lane �� 94 Franklin Towers �� 111 Franklyn Park �� 104 Friendly Manor �� 111

Index Friendship Home �� 151 Friendship Village �� 36 Front �� 112

–G– Gable Pines �� 68, 127, 143 Garden Terrace �� 104 Garden Terrace Commons �� 104 Geneva Suites �� 148, 149 Gianna Homes �� 150 Gideon Pond �� 64 Glen at Valley Creek �� 57 Glen Hopkins �� 124 Glen Lake Landing �� 100 Glendale Place �� 56 Glenn Hopkins �� 65, 124, 141 Glenn Minnetonka �� 66, 124, 140 Golden Maple Home �� 148 Golden Nest �� 149 Golden Pond �� 53 Goldendale Apts. �� 109 Golfview �� 109 Good Samaritan Heritage Place �� 68, 128 Good Samaritan Lodge of New Hope �� 121 Grace Homes �� 134, 148, 150 GracePointe �� 53, 126, 142 Gracewood Champlin �� 139 Gracewood Lino Lakes �� 115, 137 Gracewood St. Paul �� 129, 144 Graham Place �� 55 Grainwood �� 56 Gramercy Club Coop Burnsville �� 41 Gramercy Park �� 41, 42, 44 Gramercy Park St. Paul �� 42 Gramercy Park Richfield �� 44 Grand Pre �� 55 Grasslands �� 94 Great Homes �� 148 Greenhouse Village �� 42 Guardian Angels by the Lake �� 131, 144 Guardian Oaks �� 107

–H– Hall-Young Plaza �� 105 Hamilton �� 56 Hamilton House �� 100 Hamilton Manor �� 110 Hamline Hi-Rise �� 112, 135 Harrison Bay �� 66, 124, 141 Hart Lake Apts. �� 48

Haskell Court �� 97 Havenwood of Richfield �� 64, 122, 140 Heart to Home �� 148 Heathers Estates �� 50 Heathers Manor �� 121 Heights Manor �� 94 Henderson �� 56 Heritage Apts. �� 118 Heritage at Lyngblomsten �� 69, 129 Heritage Commons �� 110 Heritage Commons at Pond’s Edge �� 134 Heritage House �� 105 Heritage of Edina �� 64, 122, 140 Heritage Place �� 51 Heritage Place Mem. Care �� 146 Heritage Place Roseville �� 68, 128 Hiawatha Towers �� 111 Hidden Pathways �� 38 Highlands of St. Paul �� 55, 69, 129, 144 Highview Hills �� 61, 118, 138 Hillcrest Pointe �� 97 Hillcrest Wayzata �� 124, 141 Hillside Terrace �� 100 Hilltop �� 95 Holland Highrise �� 110 Holmes Park �� 102 Homestead �� 116, 128, 137, 143 Homestead Coop �� 42 HomeTown Sr. Lvg. �� 148, 152 Hope’s Residence �� 149 Hopkins Village �� 100 Horn Towers �� 111 Howard Lake �� 109

–I– Inver Glen Sr. Living �� 61, 119, 138 Inverness Village �� 38 Iowa Hi-Rise �� 112, 135 Iris Park Commons �� 129

–J– James Heltzer Manor �� 111 Jeanne Jugan �� 105 Johanna Shores �� 68, 128 Johanna Shores Arbor �� 143 John Carroll �� 97 John Jergens Estates �� 57 Jones-Harrison �� 125 Joseph’s Chateau �� 150

–K– Katy’s Cottage, Episcopal Homes �� 144 Keller Lake Commons �� 56 Kenwood Isles �� 39 Kenwood �� 67, 125 Kenzington �� 39 Keystone Place �� 71, 131, 145 Kilkenny Court �� 108 Kings Crossing �� 105 Kings Pionte �� 39 Kingsley Shores �� 61, 119, 139 Kingspath �� 56 Kingsway �� 69, 130, 144 Knollwood Place �� 66 Knox Landing �� 100

–L–

La Bonne Vie �� 150

Labor Plaza �� 105 Labor Retreat �� 102 Lake Minnetonka Shores �� 66, 124, 141 Lake Shore Drive �� 39 Lake Square �� 53 Lake Street Station �� 52 Lakefront Plaza �� 40 Lakeside Pointe �� 97 Lakeside Villa �� 95 Landing �� 95 Landings of Blaine �� 116 Landings of Minnetonka �� 124 Landmark Fridley �� 137 Lee Square �� 45 Legacy Care Home �� 150 Legacy of Farmington �� 62, 119 Legacy of St. Anthony �� 126 Legends Apple Valley �� 50 Legends Champlin �� 51 Legends Columbia Heights �� 48 Legends of Cottage Grove �� 57 Legends Silver Lake �� 53 Legends Spring Lake Park �� 53 Levande �� 67, 126, 142 Liberty Park �� 107 Lilac Parkway �� 100 Lilydale Sr. Living �� 62, 119, 139 Lino Lakes Ast. Lvg. & Mem. Care �� 116, 137 Little Earth Housing �� 102 Living Choice �� 38 Lodge at Little Canada �� 53

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Index Lodge at Taylors Falls �� 117 Lodge at White Bear �� 71 Lodge of New Hope �� 121 Loren on Park �� 126 Loring 100 �� 102 Loving Care Cottage �� 152 Lowry Towers �� 111 LuAnn’s Place �� 150 Luther Place �� 38 Lutheran Home �� 39 Lyndale Hi-Rise �� 111 Lyndale Manor �� 110,134 Lynglomsten �� 106, 135, 144 Lynn Court �� 56 Lynway Highrise �� 111 Lyons Court �� 55

–M– Main St. Manor �� 97 Mainstreet Lodge �� 126 Mainstreet Village �� 64, 122, 140 Majestic Greens �� 48 Mala Strana �� 130, 133 Maple Hill �� 128, 143 Maple Manor �� 109 Maple Terrace �� 100 Maplecrest Commons �� 95 Maranatha �� 63, 121 Margaret Place by Mary T �� 48, 60 Market Village �� 56 Maryland Apts. �� 103 Masonic Home �� 51, 122 Matrix Care Home �� 148 Mayer Elderly �� 95 Mayfield �� 54 McKenna Crossing �� 70, 130, 144 Meadow Ridge �� 124, 131 Meadow View �� 95 Meadow Woods �� 122, 140 Meadow’s Edge �� 104 Meadowood Shores �� 68 Meadows of Oxboro �� 100 Meadows on Fairview �� 117, 138 Mears Park Place �� 106 Medicine Lake Manor �� 150 Medina Ridge �� 39 Mehorah Plaza �� 100 Meridian Manor �� 66, 125, 141 Menorah West �� 100

158

Midway Pointe �� 106 Mill Pond Gables �� 51 Millpond Apts. �� 107 Minnehaha Sr. Lvg. �� 67, 126, 142 Minnetonka Heights �� 103 Mississippi Shores �� 58 Mississippi Terrace �� 97 Monroe Village �� 52 Montreal Hi-Rise �� 112, 135 Morning Glory Home �� 150 Mount Ary �� 112 Mount Carmel Manor �� 98 Muller Manor �� 57

–N– Nan McKay �� 98 Neil Hi-Rise �� 112 Nervana’s Caring Hands �� 149 New Beginnings �� 152 New Perspective Columbia Hghts �� 116, 137 New Perspective Eagan �� 62, 119, 139 New Perspective Mahtomedi �� 145 New Perspective Prior Lake �� 70, 130, 144 New Perspective Roseville �� 128, 143 New Perspective St. Paul �� 129, 144 New Perspective Waconia �� 60, 117, 138, New Perspective Woodbury �� 71, 131, 145 Newton Manor �� 101, 134 Nicollet Towers �� 103 Nine Mile Creek �� 64, 122, 140 Nokomis Square �� 45 Norgard Court �� 54, 131, 145 Norris Square �� 71, 131, 145 North Country �� 95 North Gables �� 94 North Oaks on Emerson �� 134 North Park Plaza �� 101 North Ridge �� 121 Northern Oaks �� 95 Northgate Woods �� 94 Northridge Court �� 56 Norwood Square �� 94 Nuturing Care �� 151

–O– O’Leary Manor �� 98 Oak Crest �� 60, 116 Oak Grove �� 49 Oak Hills Manor �� 48 Oak Meadows �� 71, 132, 145

Senior Housing Guide • www.seniorhousingguide.us

Oak Park Sr. Lvg. �� 71, 132, 145 Oak Ridge �� 119, 139 Oak Ridge Manor �� 98 Oak Ridge Place �� 71, 132, 145 Oak Terrace �� 108 Oakhill Cottages �� 57 Oakhurst �� 96 Oaks of Lake George �� 48 Oakwoods �� 98 Oakwoods East �� 98 Olive Branch Estates �� 138 Oliver Manor �� 111 Olu’s Home �� 149, 151 Orchard Path �� 62, 119, 139 Orchard Square �� 98 Orono Wood �� 51 Osborne Apts. �� 94 Osceola Place �� 55 Osseo Commons �� 51 Osseo Gardens �� 121 Oxbow Bend �� 94

–P– Palmer Drive �� 104 Park Center �� 111 Park Haven �� 101 Park Manor �� 104 Park Ridge Augustana �� 62, 119 Park Ridge Place �� 98 Parker Skyview �� 110, 134 Parkingson’s Specialty Care �� 150, 151 Parkshore Sr. Campus �� 66, 125, 142 Parkview Plaza �� 50, 98 Parkway Cooperative of Burnsville �� 42 Parkway Gardens �� 55 Parmly Lakeview �� 96 Parmly on the Lake �� 138 Pathways on the Park �� 55 Pauline Mem. Care �� 139 Peace Village �� 95, 117, 138 Peaceful Lodge �� 132 Pearl Garden �� 143 Penelope 35 Apts. �� 101 Pentagon Apts. �� 111 Peter Nasseff �� 52 Phalen Res. �� 151 Phalen Sr. Lofts �� 54 Philipp Square �� 56 Phillips Towers �� 103

Index Piccadilly Square �� 58 Pine Cone Manor �� 107 Pine Manor Estates �� 49 Pine Tree Manor �� 107 Pines �� 64,123 Pioneer Apts. �� 58 Pioneer Estates �� 150 Pioneer Manor �� 54 Pleasant Place �� 101 Plymouth Ave. Tnhms & Apts. �� 103 Plymouth Towne Square �� 101 Polar Ridge �� 68, 128, 143 Powers Ridge �� 49 Praha �� 70, 130, 144 Prairie View Heights �� 98 Prelude Homes �� 145, 152 Prior Lake �� 70 Prior Manor �� 107 Priscilla’s Place �� 150 Pullman Place �� 45

–Q– Queens Court �� 56

–R– Rainbow Highrise �� 110 Rakhma Homes �� 151 Ravoux Hi-Rise �� 112, 135 Raymie Johnson �� 108 Realife Bloomington �� 45 Realife Brooklyn Park �� 45 Realife Coon Rapids �� 45 Realife Cooperative of Burnsville �� 42 Realife Cooperative of Phalen Village �� 42 Realife of Mounds View Coop �� 42 Realife Osseo �� 45 Realife West St. Paul �� 42 Red Oak Manor �� 98 Red Rock Manor �� 108 Redlin Homes �� 148 Redwood Terrace �� 49 Regent �� 61 Regina Ast. Lvg. �� 118 Renewed Spirit �� 152 Residence at 9 Mile Creek �� 150 Residence at North Ridge �� 63, 121, 139 Richfield Sr. Suites �� 150 Richfield Towers �� 101 Ridge Drive �� 109 Ridge Manor �� 109

RidgePointe �� 51, 66 Ridgeview Terrace �� 101 River City �� 56 River Gables �� 49 River Heights �� 120 River Heights Terrace �� 98 River North �� 49 River Oaks �� 60, 116 River Park View �� 109 River Place �� 40 River Ridge �� 38 River’s Edge �� 40 Rivers �� 62, 119, 139 Riverside �� 95 Riverside Seniors �� 110 Rivertown Commons �� 108 Rivertown Court �� 98 Riverview Elk River �� 56 Riverview Minneapolis �� 103 Riverview Highlands �� 55 Riverview Landing �� 72, 133, 146 RiverVillage East �� 126, 142 RiverVillage North �� 103, 134 Riverwood Village �� 67 Robbins Landing �� 101 Robbins Way �� 101 Rockford Manor �� 109 Rockwood Place �� 55 Roitenberg Mem. Care �� 142 Roitenberg Res. �� 125 Rose Arbor �� 63, 121, 139 Rosemount �� 62, 119, 139 Rosemount Plaza �� 98 RosePointe I �� 68 RosePointe II �� 54 Roseville Commons �� 38 Roseville Sr. House �� 104 Rosoto Villa �� 54 Royce Place Ruth’s Place (Crest View) �� 137 Royce Place, Crest View �� 116 Rum River �� 40 Rum River ...............................................94 Rush Estates............................................96

–S–

Sagewood �� 152

Sanctuary W. St. Paul �� 119, 139 Sanctuary Brooklyn Center �� 121, 139 Sandy’s Place �� 149 Savage Living at Fen Pointe �� 70, 130, 144

Savannah Oaks �� 49 Scandia Shores �� 54 Scenic Hills �� 152 Schule Haus �� 107 Seabury �� 106 Seal Hi-Rise �� 112 Selby, Milton, & Victoria Project �� 55 Select Sr. Living �� 116, 137 Seward Towers �� 103 Shepherd of Grace �� 70, 131, 144 Sherman-Forbes �� 106 Shields Plaza �� 96 Shingle Creek Commons �� 52 Sholom E. Bentson Family Ast. Lvg. �� 129 Sholom E. Jay & Rose Phillips Cntr. �� 144 Sholom E. Weinberg Apts. �� 106 Sholom West Menorah Manor �� 134 Shoreline Commons �� 58 Shores �� 54 Shores of Lake Phalen �� 128, 143 Shoreview Sr. Living �� 68, 128, 143 Sibley Triangle �� 111 Signe Burckhardt Manor �� 110, 134 Silver Lake Pointe �� 54 SilverCreek on Main �� 63, 121, 139 Skyline Tower �� 106 Snelling Manor �� 111 Sojourn Suites �� 151 Solbakken �� 149, 150, 151 South Haven �� 101 South Shore Park �� 101 Southfield Townhomes �� 49 Southview �� 62, 119, 139 Spring Manor �� 110, 111 Spruce Apts. �� 95 Spruce Place �� 98 St. Andrew’s Village �� 71, 132, 145 St. Annes �� 52 St. Anthony �� 111 St. Benedicts �� 72, 133, 146 St. Gertrude’s �� 130 St. Paul’s Home �� 103 St. Phillip’s Gardens �� 106 St. Therese at St. Odilia �� 152 St. Therese New Hope �� 63, 121, 140 St. Therese Oxbow Lake �� 63, 121, 140 St. Therese Woodbury �� 71, 132, 145 Standish Green �� 40 Steeple Pointe �� 63, 120, 139

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Index Sterling Ponds �� 51 Steven’s Res. �� 151 Stonecrest ��71, 132, 145 Stoney River ��116, 137 SummerCrest �� 40 Summerhill Bloomington �� 45 Summerhill Eden Prairie �� 45 Summerhill of Apple Valley �� 42 Summerhill of Maplewood �� 42 SummerHouse Bloomington �� 51 SummerHouse Shoreview �� 54 SummerWood Chanhassen ��61, 117, 138 SummerWood Plymouth ��66, 125, 142 Summit Hill ��129, 144 Summit Place ��51, 64, 123, 140 Summit Point �� 101 SunLight ��129, 144 Sunlight Services �� 152 Sunrise Edina �� 140 Sunrise Golden Valley ��125, 142 Sunrise Minnetonka ��125, 142 Sunrise of Edina �� 123 Sunrise Roseville ��128, 143 Superior Sr. Living �� 55

–T– Tabitha & Pauline Mem. Care �� 139 Talheim �� 95 Terrace at Iris Park �� 69 Theater Heights �� 94 Third Avenue Towers ��111, 134 Thomas T. Feeney ��110, 134 Thompson Heights �� 99 Timber Hills ��62, 120, 139 Timbers �� 50 Timberwood Village �� 38 TotalCare �� 149 Touching Lives �� 152 Towerlight ��66, 125, 142 Tradition ��63, 121 Trails of Orono ��125, 142 Trailside �� 58 Trillium Woods �� 36 Trinity �� 139 Trinity Terrace ��62, 120

–U– Uptown Maple Commons �� 96

160

–V– Valkommen �� 96 Valley Hi-Rise ��112, 135 Valley Ridge ��99, 120, 139 Valley View Coop of Eden Prairie �� 46 Valleyview of Jordan ��130, 144 Vermillion River Crossing �� 99 Vernon Terrace ��65, 123 Vibrante �� 52 Vicksburg Crossing �� 51 Villa Park �� 38 Village Apts. of Shakopee �� 107 Village Green �� 94 Village in the Park �� 40 Village Shores ��65, 123, 140 Villas by Mary T �� 49 Villas of Lilydale �� 50 Vintage Moments �� 152 VistaPrairie River Heights ��120, 139

–W–

Wabasha ��112

Walker Care Suites ��123, 140 Walker Methodist Health Care Center �� 142 Walker Methodist Kenzie �� 102 Walker Methodist Place ��36, 52, 67, 126 Walker Methodist Plaza �� 137 Walker on Lyndale �� 103 Walker on the River �� 95 Walker Place �� 36 Walker Westwood Ridge ��62, 120, 139 Washington Square................................104 Watcher Lake �� 39 Waterford Estates �� 63 Waterford Manor ��121, 140 Waters Edge �� 39 Waters of Edina ��65, 123, 140 Waters of Highland Park ��69, 130, 144 Waters of Oakdale ��71, 132, 145 Waters of Plymouth ��66, 125, 142 Waters on 50th ��67, 126, 142 Waverly Gardens ��128, 143 Waverly Gardens Terrace & Mews �� 69 Waybury �� 95 Wealshire Bloomington �� 140 Wealshire Medina �� 142 Welcome Home �� 150 Wellington ��69, 130 Wellstead �� 140

Senior Housing Guide • www.seniorhousingguide.us

West Pointe �� 39 Westchester �� 51 Westminster Place �� 106 Westonka Estates �� 102 WestRidge �� 52 Westview �� 108 Westview Acres ��61, 117 Westwood Place �� 117 Whispering Pines ��108, 148 White Bear Heights ��69, 129, 143 White Pine Blaine ��116, 137 White Pine Cottage Grove ��132, 145 White Pine Fridley ��116, 137 White Pine Inver Grove Heights ��120, 139 White Pine Mendota Heights �� 120 White Pine White Bear Lake ��128, 143 Wilder Park �� 39 Wilder Square �� 106 Wildflower Lodge �� 140 Wildwood Manor �� 105 Willow of Arbor Lakes �� 140 Willow Wood �� 105 Willows Ham Lake �� 49 Willows of Ramsey Hill �� 144 Willows of Vernon Terrace �� 141 Wilson Hi-Rise �� 112 Windy Acres �� 152 Winslow Commons �� 106 Winsor Plaza �� 99 Woodbriar �� 107 Woodbridge �� 46 Woodbury Estates ��132, 145 Woodbury Health Care Cntr �� 145 Woodbury Villa �� 132 Woodlake Point �� 40 Woodland Hill ��71, 132, 145 Woodland Mounds �� 51 Woodlyn Village �� 54 Woodmere �� 109 Woodside Terrace �� 125 Wyndris �� 52

–Y– York Gardens ��123, 141 Yorkshire Edina ��65, 123, 141 Yorktown �� 102

–Z–

Zvago ��43, 46

Index

Advertisers: Services

Attorneys Terry Merritt, Attorney �� 90

Home Health Care Caring Professionals Homecare �� 89

Builders Weiss Builders �� 4 Cleaning Services MB’s Cleaning Service �� 75

Information Reverse Mortgage Counselors, Inc. �� 20 Senior Linkage Line �� 78 Senior Resource �� 113

Computers Ray, The Computer Guy �� 11

Movers, Move Managers Rose’s Daughters �� 7

Senior Companion Program MN Senior Corps Lutheran Soc. Services �� 12

Foster Grandparent Program MN Senior Corps Lutheran Soc. Svcs. �� 12

Physician Services Bluestone Physician Services �� 77

Hearing Budget Hearing �� 2 Clear Captions – Amplified Captioned Phone �� 15

Realtors Premier Home Team, Counselor Realty, Michelle Larson & Renee Zugschwert �� 83

Senior Housing Advisors Choice Connections �� 17 Oasis Senior Advisors �� 88

Reverse Mortgage Lenders & Counselors Tom Evan, Reverse Mortgage Funders �� 21 Jeff Flanery, Cambria Mortgage �� 2 Reverse Mortgage Counselors, Inc. �� 20 Senior Housing Tour �� 80

Technology Ray, the Computer Guy �� 11 Astound Video Duplication and Transfer �� 32 Transportation Hoglund Bus Company �� 77

Index

Advertisers: Housing

Accessible Space, Inc. �� 31

Good Samaritan, Lodge of New Hope �� 74

Realife Coop Coon Rapids �� 84

Agustana Regent �� 79

Gramercy Park Coop Lake Shore Drive �� 77

Realife Coop Mounds View �� 73

Applewood Pointe Cooperatives �� 82

Gramercy Park Coop St. Paul �� 87

Realife Coop Phalen Village �� 84

Arbor Pointe �� 89

Guardian Angels Properties �� 88

Realife Managed Properties �� 84

Arthurs Senior Care �� 91, 136

Harrison Bay Sr. Living �� 74

RidgePointe of Minnetonka �� 3

Auburn Homes & Services �� 81

HomeTown Sr. Living �� 87

River Landing Ostego �� 90

Augustana Apple Valley Villa �� 79

Lake Street Station �� 89

Riverview Highlands �� 89

Avinity Senior Living �� 76

Landings of Minnetonka �� 92

Rosemount Sr. Living �� 87

Benedictine Health Care Properties ��165, Inside Back Cover

Legacy of St. Anthony �� 74

RosePointe Sr. Apts. �� 3

Lodge of New Hope �� 74

Sholom Sr. Housing �� 79

Bickford Sr. Living �� 86

Lyngblomstem �� 81

Signe Burckhardt Manor �� 2

Catholic Eldercare �� 85

Mary T., Inc. �� 89

St. Benedicts Sr. Community �� 92

Cherrywood Pointe �� 83

Millpond Apts. �� 80

St. Paul Public Housing Agency �� 31

CommonBond Communities �� 5, 73

Nath Companies Sr. Apts. �� 90

St. Therese �� 81

Como by the Lake �� 80

Nokomis Square Cooperative �� 92

Steven Scott Properties �� 89

Copperfield Hill �� 75

Oak Meadows �� 32

Valley View Coop of Eden Prairie �� 78

Covenant Village of Golden Valley �� 81

Osceola Place �� 89

Vibrante �� 80

Crest View Sr. Communities ��Inside Front Cover

Palmer Drive Apts. �� 5

Village Apts. of Shakopee �� 76

Pine Manor �� 89

Weiss Builders �� 4

Presbyterian Homes & Services �� 1

Westchester �� 164

Realife Coop Bloomington �� 84

Woodbury Sr. Living �� 59

Realife Coop Brooklyn Park �� 84

Wyndris / Catholic Eldercare �� 85

Ebenezer Housing & Services �� Back Cover Edgewood Sr. Living �� 75 Epiphany Sr. Housing �� 78 Glen at Valley Creek �� 86

Senior Housing Guide • www.seniorhousingguide.us

161

This fellow is a senior.

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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 home but most folks who adopt ignore few new tricks.

He needs a sen We rescue old dogs - and old people - by helping them find You can help.

Top Dog Foundation www.topdogfoundation.org (952) 353-2122 / Program Office: john@topdogfou Top Dog Foundation

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

d roines erongi tpoda ohw sklof tsom tub emoh a sdeen eH Housing Guide • www.seniorhousingguide.us e162 no dSenior nif m eht gnipleh yb - elpoep dlo dna - sgod dlo eucser eW

Just remember there is no place like home.

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

163

Edina’s Best Kept Secret.

Westchester

Senior Friendly Apartment Homes

Gracious Living

up on a hill, in the middle of the woods.

Huge 2-Bedroom Apartments from

$1400

Central Heat & Air Included

Quiet & Serene Setting • Screened Porches Library • Community Area • Fitness Room Includes Extra Storage Space & Heated Garage Walk to Park, Ponds & Trails! Minutes drive to Southdale & Downtown Minneapolis.

Call Fred Fuehrer, Mgr. – 952.920.0390 5525 Hansen Rd, Edina, MN 55436 164

Senior Housing Guide • www.seniorhousingguide.us

See listing on page 51

Living fully. Living well. At the Benedictine Health System, we are dedicated to serving the Metro by providing a full range of residential options and care services that help you live life to the fullest.

Living fully. Living well. At the Call today for Benedictine a tour:

Health System, we are dedicated Benedictine Health Center Innsbruckby providing Cerenity Marian of Saint Paul to serving theatMetro a full range of 651-633-1686 | bhcinnsbruck.org 651-793-2100 | CerenitySeniorCare.org residential options and care services that Benedictine Health Center of Minneapolis Cerenity White Bear Lakehelp you 612-879-2800 | bhcminneapolis.org 651-232-1867 | CerenitySeniorCare.org live life to the fullest. Benedictine Senior Living at Steeple Pointe 763-425-4440 | steeplepointe.org

Regina Senior Living, Hastings 651-480-4333 | regina-seniorliving.org

Cerenity Humboldt, St. Paul 651-220-1700 | CerenitySeniorCare.org

St. Gertrudeâ&#x20AC;&#x2122;s Health and Rehabilitation Center 952-233-4400 | stgertrudesshakopee.org

Call today for a tour:

Benedictine Health Center Innsbruck Seniorat Housing Guide â&#x20AC;˘ www.seniorhousingguide.us 651-633-1686 | bhcinnsbruck.org

165

Home...where love resides, memories are created, friends always belong, and laughter never ends.

COME HOME TO EBENEZER

APPLE VALLEY Summerhill Co-op of Apple Valley BAXTER Northern Lakes Senior Living BLOOMINGTON Applewood Pointe Applewood Pointe at Southtown Applewood Pointe at Valley West Creekside Club Adult Day Martin Luther Adult Day Martin Luther Care Center Meadow Woods Nine Mile Creek Realife Co-op on Lyndale BURNSVILLE Arbors at Ridges Arbor Lane Memory Care Ebenezer Adult Day Program Ebenezer Ridge Point Apts.† Ebenezer Ridges Care Center Ebenezer Ridges Transitional Care Gramercy Club at Burnhaven Dr. Gramercy Club at Greenhaven Dr. Realife Co-op of Burnsville CAMBRIDGE East Terrace Co-op CHAMPLIN Applewood Pointe Applewood Pointe at Mississippi Crossingsº CHANHASSEN Mission Hills Senior Livingº DEEPHAVEN Deephaven Woods DULUTH Gramercy Park Co-op of Duluth EAGAN Applewood Pointe of Eaganº Gramercy Park Co-op of Eagan Stonehaven of Eaganº

EDEN PRAIRIE Valley View Co-op of Eden Prairie The Colony EDINA 7500 York Co-op Aurora on France Senior Living Aurora on France Transitional Care York Gardens FOREST LAKE Cherrywood Pointe GOLDEN VALLEY Calvary Center Co-op GRAND MARAIS Sawtooth Ridges Apts.† HASTINGS Ebenezer DayBreak Adult Day Program INVER GROVE HEIGHTS Gramercy Park Co-op of St. Paul LAKE CITY Mayo Clinic Health System Lake City Care Center LAKE ELMO Arbor Glen Senior Living LAKEVILLE The Fountains at Hosanna! LITTLE CANADA Cardigan Ridge Senior Living MAHTOMEDI Coventry of Mahtomedi MANKATO The Pillars of Mankato Senior Livingº Willow Brook Co-op MAPLE GROVE Applewood Pointe Applewood Pointe at Arbor Lakesº MAPLEWOOD Summerhill Co-op of Maplewood Cardinal Pointe of Maplewood

MINNEAPOLIS Ebenezer Care Center Ebenezer Loren on Park† Ebenezer Minneapolis Adult Day Program Ebenezer Park Apartments† Ebenezer Tower Apartments† The Pillars of Prospect Park Senior Livingº MINNETONKA Applewood Pointe Cherrywood Pointe Orchards of Minnetonka Senior Livingº MOUNDS VIEW Bel Rae Senior Living Realife Co-op of Mounds View Wildwood Manor† NEW BRIGHTON Applewood Pointe NEW HOPE Woodbridge Co-op of New Hope OAKDALE Cardinal Pointe of Oakdale ORONO Trails of Orono OSSEO Realife Co-op of Osseo OWATONNA Realife Co-op of Owatonna PLYMOUTH Cherrywood Pointe Cornerstone Co-op of Plymouth Gramercy Park Co-op of Plymouth Gramercy Park Co-op Northwest RED WING Deer Crest RICHFIELD Gramercy Park Co-op at Lake Shore Dr. Lake Shore Drive Condominiums

ROBBINSDALE Lee Square Co-op ROSEVILLE Applewood Pointe Applewood Pointe at Central Park Applewood Pointe at Langton Lake Cherrywood Pointe Cherrywood Pointe at Lexington SAINT CLOUD Realife Co-op at Mueller Gardens SAINT LOUIS PARK TowerLight on Wooddale Avenue SAINT PAUL Highlands of Saint Paul SAVAGE Savage Senior Living at Fen Pointe SHOREVIEW Applewood Pointe SHOREWOOD Shorewood Landing Senior Living SPRING LAKE PARK Osborne Apartments† WELCH Tinta Wita Tipiº WEST SAINT PAUL Realife Co-op of West Saint Paul WHITE BEAR LAKE White Bear Heights Senior Living WOODBURY Applewood Pointe of Woodbury WYOMING Meadows on Fairview Meadows on Fairview Transitional Care Meadow View Apartments†

ºComing Soon Subsidized Affordable Housing

†