Long Term Care. Chapter. In This Chapter
|
|
- Lesley Charles
- 7 years ago
- Views:
Transcription
1 Long Term Care It is estimated that approximately 70 percent of persons age 6 and older will need some form of long-term care at some point in their life. Long term care can occur in a person s home, in community based care, or a combination of both. Services are available for people who opt to stay in their home including In-Home Care and Adult Day Centers. The following information is a brief summary of the services offered in Oregon. Chapter In This Chapter Section -1 Living Options Section -2 Choosing a Senior Housing Community Section -3 The Resident s Bill of Rights Section -4 Paying for Long Term Care Section - Complaints
2 Chapter Long Term Care -1 Living Options Oregon has a unique range of residential communities for older adults who need help with activities of daily living or have medical concerns. Continuing care retirement communities, assisted living facilities, residential care facilities, adult foster care homes, and nursing facilities are options available to Oregonians who are considering relocating to a place they can receive help with their daily activities. Each community offers a different range of services. In-Home Care In-home Care and home health agencies provide assistance in your own home or other setting. The goal of in-home care is to provide enough help to allow you to stay in your current living situation. Services can include chores such as housekeeping and yard maintenance; personal care such as dressing, showering; and medication reminders. Home health is for rehabilitation services ordered by a medical provider. See Chapter 2, Medicare, for more information. It includes skilled care such as nurses, therapists, and health care providers. The length of service can be long term or on an as-needed basis for a short period of time. Medicare can pay for some home health visits and physical therapy under certain very limited conditions. Oregon Project Independence (OPI) can provide assistance to impaired seniors with daily activities, such as shopping, bathing, and housecleaning. Services such as Meals on Wheels can help you stay in your home longer. Adult day care is also available for people who need assistance and socialization during the day. 6 Legal Issues for Older Adults
3 Section -1 Living Options Continuing Care Retirement Community (CCRC) A CCRC provides a continuum of care from retirement through skilled nursing services on a single campus. There are about 1 of these communities throughout Oregon. There is an entrance fee and monthly fees. Generally there are income and asset requirements. Chapter Prospective residents must be provided information about how to cancel a contract and a copy of the community s last audited financial statement. If you sign a contract to live there, the community must provide you with a description of the services it offers and the fees required. Ask the following questions if you want to find out more about this type of community: 1. Are entrance fees refundable? 2. How does the community handle transfers to assisted or nursing care? 3. Is a transfer decision made by the staff only, or do I, my physician and my family control it? 4. How many nursing home beds are available?. What happens if no bed is available when I need it? 6. Are there memory care units available? 7. What happens if my spouse and I need different levels of care? 8. Can the community increase the monthly fees? 9. Am I required to have health insurance, and if so, would I be paying double? 10. What happens if I outlive my savings? 2012 Edition 7
4 Chapter Long Term Care Assisted Living Facility An Assisted Living Facility is licensed by the state and offers: Room and board in private apartments; Kitchenette; Housekeeping services; Medication and behavior management; 24-hour staff; Organized activities; and Help, if it is needed, with dressing, bathing, and personal hygiene. Residential Care Facility A Residential Care Facility is a state-licensed community serving six or more residents. It is similar to an Assisted Living Facility except the licensing does not require each apartment have private bathrooms or kitchenettes. Retirement Community A Retirement Community is a setting specifically for people age and older. These communities are not licensed and do not provide care to residents. These communities do provide: Room and board; Some offer meals or add meal programs or full service restaurant options; Organized activities; Security; and Limited housekeeping. 8 Legal Issues for Older Adults
5 Adult Care Home Section -1 Living Options Adult Care Homes are a living option with a smaller, homelike setting, often with a family, for five or fewer residents. There are three levels of Adult Care Homes in Oregon. The scope of care the Adult Care Home can provide is dependent on its level of care ("level three" homes can provide heavier care). The home may provide: Chapter Room and board; Medication management; Help with dressing, bathing and personal hygiene; Some nursing care; and Activities. Memory Care Community Communities that provide care to individuals with Alzheimer s or dementia are governed by additional regulations to ensure they provide appropriate care to their residents. These communities offer apartment style housing with a secure building and secure outdoor area. Some have alarms in addition to codes for entering and exiting the building. Rooms can be shared or private. In addition to the security of the building, Alzheimer s communities must provide programs to help residents with dementia including: Gross motor skills; Self care; Crafts and other appropriate activities. These units/communities are more expensive due to the extra care required for the residents Edition 9
6 Chapter Long Term Care Nursing Facility A Nursing Facility may be called a nursing home, care center, convalescent center or rehabilitation facility. Nursing facilities may offer: Room and board; 24-hour nursing; Personal care; Administration of medications; Management of chronic medical problems; Organized activities; Social services; and Discharge planning. A nursing facility also offers daily medical evaluation and rehabilitation services by physical, speech, and occupational therapists. Generally, people stay in nursing facilities only for a limited time unless their care needs require 24 hour nursing care or they are not appropriate for another setting. -2 Choosing a Senior Community It is important that the person who will be moving to a long term care setting makes the final decision about living in a senior community. Often, particularly in the middle of a crisis, communities turn to the spouse or adult children to make the decisions out of convenience. Family members and friends can offer advice, but the prospective resident should make the decisions, unless he or she is incapacitated. 60 Legal Issues for Older Adults
7 Section -2 Choosing a SeniorCommunity Social workers, referral agencies, and the Area Agency on Aging/Seniors and People with Disabilities office (AAA/SPD) can give information about arrangements that may be appropriate for you. If you are hospitalized, a preadmission screening is available to you. This service can help you make the decision about where you want to live based upon your particular needs and desires. For instance, if you need daily skilled care by licensed nurses, then you might want to choose a nursing home. If you need help with reminders to turn off the stove burners and take your prescribed medications, an adult foster care home or assisted living facility may be appropriate. Chapter When considering a specific living option, be sure the community and its administrator have current licenses as required by law. Consider whether you would get along with the people who live there. Inspect the home carefully. Make sure that they will provide the maximum opportunity for independence and mobility. Speak with the current residents about their lives. For example, ask about the quality of food, recreation, exercise, clubs, organizations, entertainment, and planned trips, as well as the freedom to have visitors and personal possessions such as furniture, bedspreads and curtains of your choice. Mealtimes are a good time to speak with current residents. Check on policies about visiting hours and phone calls (generally you will have your own phone line in assisted living, residential care, and retirement settings). Also, make sure that your personal doctor can care for you at the community. Ask the facility for a copy of its policies and procedures. An attractive exterior could be hiding a place that provides inadequate care. On the other hand, a floor that does not shine may mean that the community is making a safer environment for those with vision problems. Make sure the community you choose meets your needs. Visits from friends and relatives are very important so choose a living option near them, your place of worship or area you would like to live. To help you choose, you can ask family, friends, senior housing referral agencies, and doctors to participate in the decision process. Make sure the community you choose meets your needs Edition 61
8 Chapter Long Term Care Some Questions to Ask Consider asking the following questions. Note the answers, and learn the name and position of the staff members who answer your questions. See Chapter 14, Resources, for AAA information. 1. Is the community licensed? Is the license in danger of being revoked, suspended, or not renewed? (Independent Retirement Communities are not licensed but any community that provides care should be licensed). Ask the staff if you can see a recent inspection report. Check with the local AAA office and the state office of the Long Term Care Ombudsman, or senior housing referral agency for more information, such as possible abuse complaints from residents. (See Chapter 14, Resources.) 2. Do they have a contract with the state of Oregon to accept Medicaid? You may want to consider this even if Medicaid is only a distant option. Medicaid contracts are optional for communities and current contracts do not guarantee they will accept Medicaid payments in the future but is a good indication that they will continue the current contract. 3. What levels of care are provided? 4. Are organized activities and religious services available?. What rehabilitation and physical therapy communities and staff are available? 6. Are there any visitation restrictions? 7. Do staff members receive regular training and attend educational programs? 8. Are meals planned by a registered dietician or chef? Are special diet requests available? 9. Does the community have adequate safety features? Look for smoke detectors, alarms, sprinklers, hand rails, grab bars, and wide doors. 62 Legal Issues for Older Adults
9 Section -2 Choosing a SeniorCommunity 10. What is the basic monthly rate, and what services does this rate include? How much do additional services cost? How often have the rates increased in the last five years? Chapter 11. Are any deposits required? (The community cannot require a deposit from Medicaid residents.) 12. Does the community use a particular pharmacy, and are the prices competitive with local pharmacy prices? 13. Does the community provide a safe place to keep valuables? Have there been any problems with theft? Senior community advocate organizations have helpful information for residents and their families. The Office of the Long Term Care Ombudsman and the Department of Human Services Facilities Licensing Office maintain a list of all of the communities in Oregon except retirement and independent living communities. Violations of state and federal laws are available to the public. Things to Observe Safety hazards, such as poor lighting, blocked fire doors, loose cords or torn carpets, etc; Cleanliness (check for dust, clean bathrooms, and deodorants used to cover up smells); Comforts such as flowers, art and seasonal decorations, working televisions and radios, pleasant public areas and accessible telephones; Involvement of residents; and The staff s attitude toward residents. Are residents treated with respect and dignity? How much privacy do residents have? 2012 Edition 63
10 Chapter Long Term Care -3 The Resident s Bill of Rights State and federal laws assure that each adult care community resident: Be treated as an adult with respect and dignity; Be informed of all resident rights and all house policies; Be encouraged and assisted to exercise constitutional and legal rights including the right to vote; Be informed of their medical condition and the right to consent or refuse treatment; Receive appropriate care and services and promptly; Be free from mental and physical abuse; Complete privacy when receiving treatment or personal care; Associate and communicate privately with any person of choice and send and receive personal mail unopened; Have access to and participate in activities of social, religious, and community groups; Have medical and personal information kept confidential; Keep and use reasonable amount of personal clothing and belongings, and to have a reasonable amount of private, secure storage space; Be free from chemical and physical restraints except as ordered by a physician or other qualified practitioner. Restraints are used only for medical reasons, to maximize a resident s physical functioning, and after other alternatives have been tried. Restraints are not used for discipline or convenience; Manage their own financial affairs unless legally restricted; 64 Legal Issues for Older Adults
11 Section -3 The Resident s Bill of Rights Be free from financial exploitation. The licensee must not charge or ask for application fees or non-refundable deposits or solicit, accept or receive money or property from a resident other than the amount agreed to for services; Chapter Be provided with a written agreement regarding rates and services. The licensee must provide 30 days written notice before any change in the rates or ownership of the home; Not to be transferred or moved out of the community without 30 days written notice and an opportunity for a hearing. A licensee may transfer a resident only for medical reasons, or for the welfare of the resident or other residents, or for nonpayment; Be provided a safe and secure living environment; Be free of discrimination in regard to race, color, national origin, gender, sexual orientation, or religion; and Be able to offer suggestions or complaints without fear of retaliation. The bill of rights for a nursing facility resident: Be fully informed of all rules for resident conduct and responsibilities when the resident moves into the community; Be fully informed of services available in the community, related charges, charges not covered by Medicaid or the community s basic daily rate when the resident moves in; Be fully informed by a physician of his or her medical condition; Can participate in medical treatment planning; Can refuse to undergo any kind of medical treatment so long as the resident understands the consequences of refusing treatment; Can refuse to participate in experimental research; Is transferred or discharged only for medical reasons, the resident s best interests or non-payment; 2012 Edition 6
12 Chapter Long Term Care Is given reasonable advance notice for orderly transfer or discharge; Is encouraged to exercise all rights as a resident, voice grievances, and recommend changes in policies and services; Is free from restraint, interference, coercion, discrimination, or reprisal; Can manage personal financial affairs, or, if the community is handling the finances, be given a written report of financial transactions made on his or her behalf at least once a quarter or whenever the resident asks for a report; Is free from mental and physical abuse and from unnecessary chemical and physical restraint that are not prescribed by a doctor to treat symptoms; Is assured confidential treatment of personal and medical records, and may approve or refuse their release to any person outside the community (except if transferring to another health care institution); Is treated with consideration, respect, and full recognition of dignity and individuality, including privacy in treatment and care for personal needs; Is not required to perform services for the community that do not have therapeutic purposes in a plan of care; May communicate privately with persons of his or her choice and send or receive personal mail unopened; May keep personal clothing and possessions as space permits; If married, is assured privacy for visits by his or her spouse; and Is allowed to share a room with his or her spouse, if husband and wife are both residents in a community. 66 Legal Issues for Older Adults
13 Section -4 Paying for Long Term Care -4 Paying for Long Term Care Chapter Planning ahead for long term care will provide more options and may help protect your assets. Many people will end up needing long term care but most don t plan until a life changing event occurs. The three main sources of funding for long term care are private funds, Medicaid, and long term care insurance. Medicare generally does not pay for long term care outside of 100 days of skilled nursing and some Home Health services. Certain veteran benefits may also be available for long term care. When searching for long term care first determine what the cost will be. The law requires long term care communities inform their residents of rates and services. See Chapter 3, Medicaid for more information. Get a copy of the admission agreement from a facility to review before signing as you may want to negotiate changes with the community. Life Insurance Accelerated Death Benefit Some life insurance policies offer an accelerated death payment which pays all or part of the policy s death benefit upon a terminal illness or permanent confinement. Review your policy or speak with your agent to see if your policy contains this clause or if one can be added to your current life insurance policy. Long Term Care Insurance Medicare and Medigap insurance do not cover the cost of long term care. Medicaid does cover all types of long term care. Long term care insurance is private insurance that can be purchased to cover the cost of nursing home care, home care, and other levels of service. Long term care policies are not standardized. There are a number of policies types and options; including riders, available in Oregon. Long term care policies are required to pay for covered services through a nursing home, See Chapter 2, Medicare, and Chapter 3, Medicaid, for more information Edition 67
14 Chapter Long Term Care assisted living community, home care, and adult foster home. Policies generally begin to pay for long term care when a certified healthcare provider confirms: The policy holder needs substantial supervision because of a lowered cognitive state or Section 4 The policy holder needs help with two or more Activities of Daily Living. Most policies provide a benefit up to a certain dollar amount per day, for a certain period of time. Generally, the larger the benefit and the longer that benefit is payable, the higher the cost of the policy. The cost increases with your age. After you have reached a certain age or have been diagnosed with a particular medical condition, you may not be able to buy long term care insurance. These limitations vary among policies, it is best to review multiple policies before deciding on one. Purchasers of long term care insurance policies have certain rights. For example: A policy is renewable as long as you pay your premiums on time. The company cannot end your policy due to changes in age or health. Your policy cannot limit its benefits to skilled nursing care only, but must offer home care, assisted living, and adult care home coverage (on policies purchased after 1992). Your policy cannot provide significantly better benefits for any single level of care. Your policy must pay for Alzheimer s disease and related illnesses. Your policy cannot require hospitalization before paying benefits for long term care. Your policy cannot require you to receive a higher level of care before paying benefits for a lower level of long term care. A new policy must cover pre-existing conditions after six months from the effective date of coverage. 68 Legal Issues for Older Adults
15 Section -4 Paying for Long Term Care There is a free look period of 30 days, during which you can cancel the policy for a full refund. Chapter In addition, companies selling long term care policies in Oregon may be required to: Provide alternatives if rates increase; Provide conversions or continuation programs for policy holders who lose group coverage; Offer inflation protection as an optional rider; and Include provisions to prevent unintentional lapses. Before You Buy Long Term Care Insurance: Read the Oregon Consumer Guide to Long Term Care Insurance, available from the Oregon Insurance Division. Determine if you or your spouse will qualify for Medicaid assistance. Know your insurance needs and budget before speaking with an insurance agent. You may not need long term care insurance if: You have limited assets or income; or You are currently on Medicaid. Ask for an explanation of the benefits if anything in the policy is unclear. See Chapter 14, Resources, for contact information for the Oregon Insurance Division. Request the policy in be writing and signed. Compare policies before you buy. Make sure the policy covers all the benefits you may need. Some policies cover unforeseeable care items. For example a new type of living arrangement that may not be known now. Ask how policies will plan for such things that may occur Edition 69
16 Chapter Long Term Care Questions to Ask: Does the policy pay for all levels of care? How long will the benefits be paid? (The law requires a minimum of 24 months.) How does the premium compare with the maximum coverage provided? (How much coverage am I getting for the premiums?) Will premiums be waived while I am receiving care? Will premiums increase? What percentage of submitted claims get paid? How is the financial status of the insurer? How long have they been in business? What are the limitations and waiting periods for pre-existing conditions? What is the satisfaction level of policy holders with the provider? Medicaid Medicaid, also known as the Oregon Health Plan in the State of Oregon, is a needs-based financial assistance program. Medicaid will pay for care provided by a nursing home, adult foster home, assisted living facility, residential care facility, or in-home services for an unlimited time for persons who qualify under the income and assets guidelines. See Chapter 3, Medicaid, for more information. A person who can afford long term care when they first move to a community may eventually deplete their assets and become eligible for Medicaid. An attorney who is familiar with the Medicaid program can provide advice about how to qualify for Medicaid assistance. Not all senior living communities or in home care providers accept Medicaid payments. If you are likely to need Medicaid in the future, find a community that is contracted with Medicaid or you may need to move once your assets are depleted. The care provider must inform you of services and rates including any extra charges not covered under Medicare or Medicaid. 70 Legal Issues for Older Adults
17 Section -4 Paying for Long Term Care Facilities with Medicaid contracts cannot require the resident, their friends, or relatives to pay money in addition to the Medicaid rate for covered services. (See Chapter 3, Medicaid, for more information.) Chapter Medicare Medicare, like most health insurance plans, does not pay for most long term care costs. Medicare is a federal health insurance program for people age 6 and older and certain disabled people under age 6. Medicare will pay for a limited time of qualified skilled nursing and a limited amount of home health care. There are co-payment requirements. Reverse Mortgage See Chapter 2, Medicare, for more information. A reverse mortgage can be obtained by people who own their home with enough equity to qualify. In a reverse mortgage, the bank makes payments to the home owner, buying the property back from them. To qualify, you must be 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, and you must live in the home. Repayment on the loan is due upon your death or permanent move from the home. Generally the reverse mortgage holder will give the home owner or their descendents a specific amount of time to repay the loan or sell the home. If the balance is not tendered within that time, the reverse mortgage holder has the ability to take ownership of the property. There are fees associated with a reverse mortgage similar to a traditional home loan. The Veterans Administration The Veteran s Administration provides long term care for some United States Military Veterans. There are facilities for veterans in addition to programs such as Aid and Attendance and Home Bound Programs that are outlined in Chapter 4. See Chapter 4, Veterans Benefits, for more information Edition 71
18 Chapter Long Term Care. Complaints If you have a complaint about a nursing home or other community, you have a right to make your complaint known without fear of retaliation. You can report your complaint to: The nursing home administrator or resident manager; Oregon s Long Term Care Ombudsman. (See Chapter 14, Resources); See Chapter 14, Resources, for contact information. The Seniors and People with Disabilities Services Client Care Monitoring Unit. (See Chapter 14, Resources); A residents case manager at a local AAA office. (See Chapter 14, Resources); Your state and local elected representatives or your U.S. representative and senators; or A knowledgeable private lawyer or your local legal aid office. (See Chapter 14, Resources.) Complaints are public information. They can be reviewed before moving into a licensed community. If you work with a referral agency or social worker, they should check the complaints for you. Some complaints are available online, but to obtain a complete updated list, including unsubstantiated complaints, visit the AAA office in the county the community is located. See Chapter 11, Abuse, for more information. If you believe that a resident of long term care community is being abused, neglected, or exploited, call the Protective Services worker at your local AAA office or call the Long Term Care Ombudsman Program. The situation will be investigated, and help will be offered. (See chapter 11, Abuse, for more information.) 72 Legal Issues for Older Adults
Consumer Guide. Assisted living and residential care facilities
OREGON DEPARTMENT OF HUMAN SERVICES: Seniors and People with Disabilities Oregon Consumer Guide Assisted living and residential care facilities PAGE ii CONSUMER GUIDE for Assisted Living and Residential
More informationResident Rights in Nursing Homes
Resident Rights in Nursing Homes Nursing home residents have patient rights and certain protections under the law. The nursing home must list and give all new residents a copy of these rights. Resident
More informationRESIDENTS' BILL OF RIGHTS AND RESPONSIBILITIES
RESIDENTS' BILL OF RIGHTS AND RESPONSIBILITIES This facility maintains policies, procedures, and ongoing programs to ensure that the following rights of each resident are protected by all personnel. Appendix
More informationARKANSAS. Downloaded January 2011. 302.6 The name, address, and telephone number of attending physicians shall be available at each nurses' station.
ARKANSAS Downloaded January 2011 302 GENERAL ADMINISTRATION 302.1 Visitors shall be permitted during all reasonable hours. 302.6 The name, address, and telephone number of attending physicians shall be
More informationCONSUMER INFORMATION GUIDE: ASSISTED LIVING RESIDENCE
CONSUMER INFORMATION GUIDE: ASSISTED LIVING RESIDENCE 1 TABLE OF CONTENTS Introduction 3 What is an Assisted Living Residence? 3 Who Operates ALRs? 4 Paying for an ALR 4 Types of ALRs and Resident Qualifications
More informationResident Rights in Nursing Facilities
Your Guide to Resident Rights in Nursing Facilities 1-800-499-0229 (Volce/ITY) Table of Contents The Ombudsman Advocate........................... 3 You Take Your Rights with You... 4 Federal Regulations
More informationResidents Rights For Residents in Kentucky Long-Term Care Facilities
Residents Rights For Residents in Kentucky Long-Term Care Facilities This document combines both Federal and Kentucky statutes, as well as information from the National Citizens' Coalition for Nursing
More informationResidents Rights. A Guide to Your Rights as a Resident. of a Nursing Facility. in the State of North Dakota. Distributed by:
Residents Rights A Guide to Your Rights as a Resident of a Nursing Facility in the State of North Dakota Distributed by: Office of the State Long Term Care Ombudsman 1237 W. Divide Ave. Suite 6 Bismarck,
More informationARIZONA DEPARTMENT OF HEALTH SERVICES DIVISION OF LICENSING SERVICES
ARIZONA DEPARTMENT OF HEALTH SERVICES DIVISION OF LICENSING SERVICES Office of Long-Term Care Licensing 150 North 18th Ave, Suite 440, Phoenix, AZ 85007 400 W. Congress, Tucson, AZ 85701 A CONSUMER=S GUIDE
More informationBuying Long-Term Care Insurance
1 A Consumer s Guide to: Buying Long-Term Care Insurance And other ways to pay for long-term care Washington State Office of the Insurance Commissioner www.insurance.wa.gov 2 1 No one likes to think about
More informationBuying Long-Term Care Insurance
1 A Consumer s Guide to: Buying Long-Term Care Insurance And other ways to pay for long-term care Washington State Office of the Insurance Commissioner www.insurance.wa.gov 1 No one likes to think about
More informationLegal Rights of Nursing Home Residents. Consumer Pamphlet Series
Legal Rights of Nursing Home Residents Consumer Pamphlet Series The State Bar of Georgia has provided this pamphlet to inform people about some of their legal rights regarding nursing home residency. It
More informationNEW JERSEY. Downloaded January 2011
NEW JERSEY Downloaded January 2011 SUBCHAPTER 4. MANDATORY RESIDENT RIGHTS 8:39 4.1 Resident rights (a) Each resident shall be entitled to the following rights: 1. To retain the services of a physician
More informationFacts About Long-Term Care Insurance In Virginia
1-877-310-6560 www.scc.virginia.gov/division/boi/index.htm Facts About Long-Term Care Insurance In Virginia Shop Carefully and Avoid Pitfalls Long-term care insurance is designed to assist individuals
More informationAssisted Living: What A Guardian Needs To Know
Assisted Living: What A Guardian Needs To Know Course level: Intermediate Writer: Holly Robinson, JD is associate staff director of ABA Commission on Law and Aging, where she directs the Older Americans
More informationLong Term Care Exam Study Guide
Long Term Care Exam Study Guide This document contains all the questions that will included in the final exam, in the order that they will be asked. When you have studied the course materials, reviewed
More informationARTICLE 8. ASSISTED LIVING FACILITIES
Section R9-10-801. R9-10-802. R9-10-803. R9-10-804. R9-10-805. R9-10-806. R9-10-807. R9-10-808. R9-10-809. R9-10-810. R9-10-811. R9-10-812. R9-10-813. R9-10-814. R9-10-815. R9-10-816. R9-10-817. R9-10-818.
More informationEvery resident. Bill of Rights for people who live in Ontario long-term care homes. September 2008
resident Bill of Rights for people who live in Ontario long-term care homes September 2008 Resident: Bill of Rights for people who live in Ontario long-term care homes Advocacy Centre for the Elderly (ACE)
More informationGUIDESHEET FOR EVALUATING CONTINUING CARE RETIREMENT COMMUNITIES
GUIDESHEET FOR EVALUATING CONTINUING CARE RETIREMENT COMMUNITIES Introduction The Ohio State University Retirees Association Benefits Committee has prepared this guidesheet to help members who are considering
More informationAPPENDIX D GLOSSARY OF COMMON LONG-TERM CARE TERMINOLOGY
APPENDIX D GLOSSARY OF COMMON LONG-TERM CARE TERMINOLOGY Activities of Daily Living (ADLs) Everyday functions and activities individuals usually do without help. ADL functions include bathing, continence,
More informationLPL Insurance associates. Guide to Long-Term Care Insurance
Guide to Long-Term Care Insurance Long-term care insurance can be confusing, no matter who you are, especially if you don t know who to turn to for expert advice. The decision to purchase long-term care
More informationLONG TERM CARE INSURANCE IS NOT FOR THE ELDERLY!
LONG TERM CARE INSURANCE IS NOT FOR THE ELDERLY! What s that you say? Long Term Care insurance (LTCi) is NOT for the elderly?! Did you know that over 45% of all claims for Long Term Care are for people
More informationChoosing a Care Home working with you
Social Work Services Choosing a Care Home working with you Published: March 2013 2 Moving into a Care Home The Social Work Service recognises that the decision to move into a care home is an important
More informationWhat types of benefits are available in a long term care policy or certificate?
What is long term care? Long term care encompasses a wide range of medical, personal and social services. People may need this care if they suffer from prolonged illness, disability or cognitive impairment.
More informationPlanning for Long-Term Care
long-term care insurance october 2013 2 What is Long-Term Care? 4 Why Should You Consider Long-Term Care Coverage? 6 Protecting Your Assets, As Well As Your Health Planning for Long-Term Care summary the
More informationwww.carepathways.com - Assisted Living Checklist
www.carepathways.com - Assisted Living Checklist First Impression Do you like the facility's location and outward appearance? Is the facility convenient for frequent visits by family and friends? Is the
More informationASSISTED LIVING COMMUNITY
Guide to Choosing an ASSISTED LIVING COMMUNITY CHOICE DIGNITY INDEPENDENCE QUALITY CARE QUALITY OF LIFE RESIDENT-CENTERED SUPPORT COMMUNITY ASSISTANCE CARE PRIVACY PEACE OF MIND CHOICE DIGNITY INDEPENDENCE
More informationWillamette University Long-Term Care Insurance Outline of Coverage
JOHN HANCOCK LIFE INSURANCE COMPANY Group Long-Term Care PO Box 111, Boston, MA 02117 Tel. No. 1-800-711-9407 (from within the United States) TTY 1-800-255-1808 for hearing impaired 1-617-572-0048 (from
More informationLong Term Care and Disability Insurance Exam Study Guide
Long Term Care and Disability Insurance Exam Study Guide This document contains all the questions that will included in the final exam, in the order that they will be asked. When you have studied the course
More informationNursing home checklist
Name of nursing home: Address: Phone number: Date of visit: Basic information Is the nursing home Medicare certified? Is the nursing home Medicaid certified? Does the nursing home have the level of care
More informationMinnesota Nursing Home Bill of Rights
Minnesota Nursing Home Bill of Rights Tubman Elder Care & Rights Center gratefully acknowledges funding from the Minnesota Board on Aging for its work with Resident and Family Advisory Council Education.
More informationL O N G T E R M C A R E. Safe. Sound. Secure.
L O N G T E R M Safe. C A R E I N S U R A N C E Sound. Secure. LONG TERM CARE Long term care is the care you receive when you cannot take care of yourself for an extended period of time. This care can
More informationThe Pennsylvania Insurance Department s LONG-TERM CARE. A supplement to the Long-Term Care insurance guide.
LONG-TERM CARE A supplement to the Long-Term Care insurance guide. These definitions are offered to give you a general understanding of the terms you will hear when looking for Long-Term Care insurance.
More informationOREGON CASCADES WEST SENIOR & DISABILITY SERVICES
OREGON CASCADES WEST SENIOR & DISABILITY SERVICES DIRECTORY OF SERVICES for Linn, Benton & Lincoln Counties 1 WHERE CAN YOU TURN FOR ANSWERS TO YOUR QUESTIONS ABOUT AGING OR DISABILITY? Oregon Cascades
More informationPierce Memorial Baptist Nursing & Rehab Center, 44 Canterbury Road, Brooklyn CT 06234 (860) 774-9050 www.piercecare.org
Dear Applicant of PierceCare PierceCare has been caring for the elderly of the state of Connecticut for over 50 years. Our priorities are to provide for those elderly who need extra care, supervision or
More informationPATIENT INTAKE FORM PATIENT INFORMATION. Name Soc. Sec. # Last Name First Name Initial Address. City State Zip. Home Phone Work/Mobile Phone
PATIENT INTAKE FORM PATIENT INFORMATION Name Soc. Sec. # Last Name First Name Initial Address City State Zip Home Phone Work/Mobile Phone Sex M F Age Birth date Single Married Widowed Separated Divorced
More informationPatient Rights and Responsibilities
Patient Rights and Responsibilities UPMC 2012 Form # 9082-82191-0212 For help in finding a doctor or health service that suits your needs, call the UPMC Altoona Physician Finder representative at 800-258-4677.
More informationLONG-TERM CARE INSURANCE
MONTANA LONG-TERM CARE INSURANCE 2015 Rate Comparison Guide RATE COMPARISON GUIDE COMMISSIONER OF SECURITIES & INSURANCE MONICA J. LINDEEN COMMISSIONER MONTANA STATE AUDITOR Dear Montana Senior: I am pleased
More informationHealth & Social Services Section
Making the Right Choice On an Assisted Living Home Alaska Department of Law Health & Social Services Section David Márquez, Alaska Attorney General Copyright 2005 Department of Law and its licensors. All
More informationGreat American Life. Fixed Annuity with Long-Term Care Rider B1044306NW
Great American Life Long-Term Care Annuity SM Fixed Annuity with Long-Term Care Rider B1044306NW Building Lifestyle Security At Great American Life Insurance Company, we concentrate on one very important
More informationA WorkLife4You Guide
A WorkLife4You Guide Long-Term Care Facilities Long-term care facilities, commonly known as nursing homes, provide rehabilitative and other health-related services, along with room and board, to individuals
More informationCHOOSING AN ASSISTED LIVING FACILITY
CHOOSING AN ASSISTED LIVING FACILITY STATE OF WISCONSIN Department of Health Services Division of Quality Assurance Bureau of Assisted Living P-60579 (Rev. 09/2012) 1 CHOOSING AN ASSISTED LIVING FACILITY
More informationThis Policy is intended to be a qualified long-term care insurance contract under section 7702B(b) of the Internal Revenue Code.
Administrative Offices: 165 Court Street Rochester, NY 14647 1-800-544-0327 GROUP LONG-TERM CARE INSURANCE CERTIFICATE OUTLINE OF COVERAGE State of Tennessee Employee and Retiree Long-Term Care Insurance
More informationLONG-TERM CARE INSURANCE
MONTANA LONG-TERM CARE INSURANCE 2016 Rate Comparison Guide RATE COMPARISON GUIDE COMMISSIONER OF SECURITIES & INSURANCE MONICA J. LINDEEN COMMISSIONER MONTANA STATE AUDITOR Dear Montana Senior: I am pleased
More informationNursing Homes and Assisted Living: Compare Because You Care
Nursing Homes and Assisted Living: Compare Because You Care Linda Jennings RN, BS, NHA Director of Quality and Regulatory Affairs Tennessee Health Care Association 2809 Foster Avenue Nashville, TN 37210
More informationChoosing an Assisted Living Facility: Comparing Apples to Apples!
Choosing an Assisted Living Facility: Comparing Apples to Apples! A Report Provided by Wisconsin Association of Homes and Services for the Aging 204 South Hamilton Street Madison WI 53703 (608) 255-7060
More informationPatient Bill of Rights and Responsibilities
Patient Bill of Rights and Responsibilities The patient or the patient s legal representative has the right to be informed of the patient s rights and responsibilities as a patient through effective means
More informationNEW HAMPSHIRE. Downloaded January 2011 HE P 803.08 NURSING HOME REQUIREMENTS FOR ORGANIZATIONAL CHANGES.
NEW HAMPSHIRE Downloaded January 2011 HE P 803.08 NURSING HOME REQUIREMENTS FOR ORGANIZATIONAL CHANGES. (a) The nursing home shall provide the department with written notice at least 30 days prior to changes
More informationHarris County - Texas HIPAA Notice of Privacy Practices
Harris County - Texas HIPAA Notice of Privacy Practices Effective Date: September 23, 2013. THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS
More informationYour Long-Term Care Insurance Benefits
Long-Term Care Long-Term Care Insurance can help you or an eligible family member pay for costly Long-Term Care assistance when you can no longer function independently. For more information on See Page
More informationPrudential Long Term Care
prudential s GROUP INSURANCE Prudential Long Term Care Solid Solutions SM 20 Questions concerning long-term care insurance The Prudential Insurance Company of America (Prudential) 0238884 Should you be
More informationPreparing for Your Retirement: Planning for Health Care Needs in Retirement
Preparing for Your Retirement: Planning for Health Care Needs in Retirement Are you aware that the rising cost of health care in the United States has become one of the primary risks to a financially-secure
More informationLong-Term Care Riders
Life Insurance with Long-Term Care Riders 64170 MK3375(0509) TC46288(0509) Experience Life Life Insurance can be your Bridge to a More Secure Financial Future Life insurance is a powerful tool that can
More informationPlanning for Long-Term Care
long-term care insuranceo october 2014 2 The Reality of Living Longer 4 Why Should You Consider Long-Term Care Coverage? 7 Protecting Your Assets, As Well As Your Health Planning for Long-Term Care Summary
More informationThe Pennsylvania Insurance Department s. Your Guide to Long-Term Care. Insurance
Your Guide to Long-Term Care Insurance When you re in the prime of life, it s hard to imagine being unable to do the basic activities of daily living because of age or disability. But the reality is that
More informationWhat is Home Care? Printed in USA Arcadia Home Care & Staffing www.arcadiahomecare.com
Printed in USA Arcadia Home Care & Staffing www.arcadiahomecare.com Home Care: What does it mean to you? For some people it may mean having only occasional help with the laundry, grocery shopping, or simple
More informationThe Prudential Insurance Company of America. Long-Term Care Insurance. Questions. concerning long-term care insurance 0163472-00002-00
The Prudential Insurance Company of America Long-Term Care Insurance 20 Questions concerning long-term care insurance 0163472 0163472-00002-00 1WHAT IS LONG-TERM CARE? Long-term care covers a wide range
More informationRights for Individuals in Mental Health Facilities
HANDBOOK Rights for Individuals in Mental Health Facilities Admitted Under the Lanterman-Petris-Short Act C A L I F O R N I A D E P A R T M E N T O F Mental Health How to Reach Your Patients Rights Advocate
More informationMental Health Services
Handbook of Consumer Rights Mental Health Services Consumer Services and Rights Protection 2007 This Book Belongs To: Table of Contents Handbook of Mental Health Consumer Rights... 2 Your Right To Be Informed
More informationWorking with Home Health Aides
Family Caregiver Guide Working with Home Health Aides What Is Home Care? Home care services can offer you and your family member trained help with medical and personal care. Keep in mind, though, that
More informationYOUR RIGHTS IN RESIDENTIAL CARE FACILITIES
5025.01 YOUR RIGHTS IN RESIDENTIAL CARE FACILITIES You have the right to receive information about your legal and human rights in a way you can understand. This includes the right to have this manual read
More informationYour Long-Term Care Insurance Benefits
Long-Term Care Long-Term Care Insurance can help you or an eligible family member pay for costly Long-Term Care assistance when you can no longer function independently. For more information on See Page
More informationRULES OF DEPARTMENT OF MENTAL HEALTH AND DEVELOPMENTAL DISABILITIES OFFICE OF LICENSURE
RULES OF DEPARTMENT OF MENTAL HEALTH AND DEVELOPMENTAL DISABILITIES OFFICE OF LICENSURE CHAPTER 0940-05-38 MINIMUM PROGRAM REQUIREMENTS FOR PERSONAL SUPPORT TABLE OF CONTENTS 0940-05-38-.01 Definitions
More informationYour Rights Under The Combined Federal and Minnesota Residents Bill of Rights
Your Rights Under The Combined Federal and Minnesota Residents Bill of Rights Before You Read This Document You Should Know: In this document, the term you includes yourself, your representative, and any
More informationContinental Casualty Company
Continental Casualty Company CNA A Stock Company 333 South Wabash Avenue Chicago, Illinois 60604 Continental Casualty Company Group Long Term Care 333 South Wabash Avenue Chicago, IL 60604 1-(800)-528-4582
More informationPLANNING FOR NURSING HOME CARE
PLANNING FOR NURSING HOME CARE My husband and I were adamant that we were never going to a nursing home, so we never bothered to learn anything about them. When I was no longer able to care for my husband,
More informationARTICLE 7. BEHAVIORAL HEALTH RESIDENTIAL FACILITIES
Section R9-10-701. R9-10-702. R9-10-703. R9-10-704. R9-10-705. R9-10-706. R9-10-707. R9-10-708. R9-10-709. R9-10-710. R9-10-711. R9-10-712. R9-10-713. R9-10-714. R9-10-715. R9-10-716. R9-10-717. R9-10-718.
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF OREGON EDUCATORS BENEFIT BOARD
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF MULTNOMAH COUNTY OREGON - #094319
More informationContinental Casualty Company
Continental Casualty Company 333 S. Wabash Avenue A Stock Company Chicago, Illinois 60604 Continental Casualty Company Group Long-term Care 333 S. Wabash Avenue Chicago, IL 60604 1-(800)-528-4582 LONG-TERM
More informationLong-Term Care Insurance
About Assurity Life Assurity Life Insurance Company s origins are rooted in a century-long legacy of providing long-term security to policyholders that has earned generations of customers confidence and
More informationLONG-TERM CARE 1. Table of Contents
LONG-TERM CARE 1 Table of Contents What is Long-Term Care? Will I Need Long-Term Care? How Much Does Long-Term Care Cost? Who Usually Pays for Long-Term Care? What is Long-Term Care Insurance? What is
More informationHome and Community Care. A Guide to Your Care
Home and Community Care A Guide to Your Care August 2007 For information on any of these services, contact the home and community care program at the local health authority. For contact information on
More informationNursing Home Checklist
Nursing Home Checklist Name of nursing home: Date of visit: Address: City, State and Zip: Telephone number: Email: Contact person: Note: Not all of the following are facility requirements, but markers
More informationRespite Care Guide. Finding What s Best for You
Respite Care Guide Finding What s Best for You Everyone needs a break. If you are a caregiver, you may need a break from caregiving tasks. If you have dementia, you may want a break from the daily routine
More informationNursing Homes: Placement and Resident Rights
Nursing Homes: Placement and Resident Rights Nursing Homes: Placement and Resident Rights Locate a good facility and preserve a loved one s dignity Copyright 2014 ElderLawAnswers The information in this
More informationMeeting an Additional Need. Long Term Care Acceleration of Death Benefit Rider. with Your MetLife Promise Whole Life SM Policy
LIN BA LIFE WHOLE Long Term Care Acceleration of Death Benefit Rider Meeting an Additional Need with Your MetLife Promise Whole Life SM Policy ICC15-ACCLTC CB1 METLIFE INSURANCE COMPANY USA Life. your
More informationA Shopper s Guide to
A Shopper s Guide to LONG-TERM CARE INSURANCE NAIC National Association of Insurance Commissioners A Shopper s Guide to LONG-TERM CARE INSURANCE NAIC National Association of Insurance Commissioners About
More informationLincoln MoneyGuard Reserve Plus
FOR LIFE Universal Life Insurance The Lincoln National Life Insurance Company Lincoln MoneyGuard Reserve Plus Paying for long-term care Client Product Guide The purpose of this communication is the solicitation
More informationMinnesota Patients Bill of Rights Legislative Intent
Minnesota Patients Bill of Rights Legislative Intent It is the intent of the Legislature and the purpose of this statement to promote the interests and well-being of the patients of health care facilities.
More informationResident Rights. Here is a listing of those rights: A Right to Dignity the right to:
Resident Rights If you are considering placing a loved one in a nursing home or know of someone already receiving care, it is important to know under Michigan law, residents of long term care are guaranteed
More informationGUIDE TO LONG-TERM CARE
GUIDE TO LONG-TERM CARE This guide has been prepared by the Wisconsin Office of the Commissioner of Insurance (OCI) and must be given to all prospective buyers of long-term care insurance at the time an
More informationHOSPITAL COMPLAINTS. This fact sheet will provide a brief overview of hospital patients rights
Disability Rights Network of Pennsylvania 1414 N. Cameron Street Second Floor Harrisburg, PA 17103-1049 (800) 692-7443 (Voice) (877) 375-7139 (TDD) www.drnpa.org HOSPITAL COMPLAINTS This fact sheet will
More information2006 Choosing a Medigap Policy:
CENTERS FOR MEDICARE & MEDICAID SERVICES 2006 Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare This official government guide can help you Learn what a Medigap (Medicare
More informationUS ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE
US ARMY NAF EMPLOYEE LONG TERM CARE INSURANCE INTRODUCTION This booklet is published by the US Army NAF Employee Benefits Office. It is intended to provide you with useful information about the US Army
More informationShopping for Medicare Supplement Insurance Vermont Consumer Handbook January 2011
VERMONT DEPARTMENT OF BANKING, INSURANCE, SECURITIES AND HEALTH CARE ADMINISTRATION Shopping for Medicare Supplement Insurance Vermont Consumer Handbook January 2011 OTHER FORMATS FOR THIS PUBLICATION
More informationContinuing Care Retirement Communities:
Another White Paper Continuing Care Retirement Communities: A retirement option that s surprising people one objection at a time By David Kane, Vice President of Senior Living, Mather LifeWays At a CCRC,
More informationLong Term Care Insurance
1 Long Term Care Insurance Traditional health insurance and Medicare do not cover the costs of many long-term care services. They do not cover services in your home, including personal care, as well as
More informationMinnesota Patients Bill of Rights
Minnesota Patients Bill of Rights Legislative Intent It is the intent of the Legislature and the purpose of this statement to promote the interests and well-being of the patients of health care facilities.
More informationOmbudsman Program North Delta Planning & Development District Area Agency on Aging Elgalene Close, MSW District Ombudsman
2014 Elder Law Conference Abuse/Neglect/Exploitation of Vulnerable Persons Ombudsman Program North Delta Planning & Development District Area Agency on Aging Elgalene Close, MSW District Ombudsman How
More informationPatient Rights, Responsibilities and Durable Power of Attorney
Patient Rights, Responsibilities and Durable Power of Attorney www.sparrow.org Table of Contents Patient Rights...4 Information Upon Delivery of Care...4 Quality of Care...5 Pain Relief...5 Response to
More informationYou can use life insurance
Life & Health Insurance Advisor MRCT Benefits Plus is a comprehensive employee benefits, wellness and Human Resources consulting firm offering a variety of financial services to businesses and individuals
More informationNursing Home Residents Rights
Nursing Home Residents Rights INTRODUCTION W State and federal regulations require nursing homes to have written policies covering the rights of residents. The facility must implement these policies and
More informationi n s e r v i c e Resident Rights
i n s e r v i c e Resident Rights The term resident rights refers to legislation that protects nursing home residents and provides for certain freedoms. Resident rights are extremely important and are
More informationLONG-TERM CARE INSURANCE APPROVED POLICIES IN WISCONSIN
LONG-TERM CARE INSURANCE APPROVED POLICIES IN WISCONSIN September 2010 This booklet provides a brief description of long-term care and a list of companies currently offering long-term care insurance policies
More informationThe 2015 Self-Assessment Guide For Long Term Care Insurance
The 2015 Self-Assessment Guide For Long Term Care Insurance A JOINT PUBLICATION BY: SHIP State Health Insurance Assistance Program And Indiana Partnership Long Term Care Insurance Program Both of the Indiana
More informationLicensing Standards for Assisted Living Facilities Handbook 92.551(d) Administrative Penalties. Small Facility (4-16 beds)
entity 92.3 Types of Assisted Living Facilities $300 $450 $500 $650 92.4. License Fees $300 $400 $500 $600 92.11. Criteria for Licensing $300 $450 $500 $650 92.16. Change of Ownership $300 $400 $500 $600
More information14500 N. Frank Lloyd Wright Blvd. Scottsdale, Arizona 85260 480-767-9800 www.sierrapointe.com
14500 N. Frank Lloyd Wright Blvd. Scottsdale, Arizona 85260 480-767-9800 www.sierrapointe.com Glossary of Senior Housing Terms The terms below can help you learn about commonly used terms and the different
More informationPediatric Outpatient Handbook. Rehab Centers - Pediatric Specialty Therapy
Pediatric Outpatient Handbook Rehab Centers - Pediatric Specialty Therapy Dear Patient/Parent, Thank you for choosing Hanover Hospital Rehab Centers Pediatric Specialty Therapy for your child s therapy/rehabilitation.
More informationPLAIN-LANGUAGE GUIDE: An overview of the new Retirement Homes Act, 2010
PLAIN-LANGUAGE GUIDE: An overview of the new Retirement Homes Act, 2010 Disclaimer This guide is solely for educational purposes. It is not legal or professional advice. Readers must not rely on it to
More information