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Author: Michael Miller

How Much Does Independent Living Cost? And is it Worth it?

 June 21, 2024


Retirement is something most people look forward to for years. Trips abroad, seeing the country, rediscovering hobbies and reawakening passions long submerged during the childrearing and working years is a vivid image for many. Once you retire, however, things might not go as hoped or planned. The household chores and maintenance that kept you busy all those years haven’t gone away, and sometimes they’ve become harder to do. A bigger portion of your budget goes toward hired services, such as lawn care. Those costs and the cost of upkeep for your home can then limit your travel plans, and you may feel ready to direct your time and energy toward your family and living life in retirement to the fullest without being burdened by the stress of home upkeep. This is where independent living comes in.

Moving to a senior independent living community can be a big transition, and it’s easy to feel overwhelmed by different amenities and fees when looking for the right independent living community for you. This article will provide answers to all of your questions, including:

  • How much does independent living actually cost, and is it worth it?
  • How does the cost of independent living compare with staying at home?
  • Can I afford independent living? How can I pay for it?

Read on to learn more about what living in an independent living community is like, how much it costs, and how you can make it work (financially and otherwise!) for you.

Table of Contents

What is an independent living community? 

Independent living communities, also known as retirement communities, are senior living neighborhoods designed especially for older adults. They are a good option for folks in their sixties, seventies, eighties and beyond who want to spend more time living and less time ‘doing,’ as in handling the burdens of home ownership.

Are independent living communities expensive?

You may be under the impression that independent living communities are expensive, but you may be surprised by the value they offer. In fact, once you consider all you get when you move to independent living, you might consider it a best buy.

How much does independent living cost? 

The average cost of senior independent living in the United States in 2024 is $3,100 per month according to A Place for Mom’s proprietary cost data, but varies widely depending on several factors like location, services, and amenities. Five Star Senior Living communities come in all shapes and sizes and are located across the country in rural and urban settings. Each community offers unique amenities, but they all offer the same dedication and excellence to residents.

Factors that Affect How Much Independent Living Costs

Type of independent living community. A stand-alone independent living community, for example, might offer fewer features and amenities but be more cost effective. Many independent living communities are priced similarly to a typical apartment in the area. An independent living community located on the campus of a continuing care community, however, will likely come with more services and amenities, which may result in a higher price tag.

Location. The location of an independent living community has a big impact on its cost, as cost of living varies widely in different areas of the country. Major metropolitan areas typically have multiple senior living options but a higher cost of living. That translates to higher monthly fees. Cost of independent living will be higher in the more desirable neighborhoods. Size matters, too. Square footage of your independent living floor plan will influence the monthly fee.

Services and Amenities Included in Independent Living. The financial, physical, and emotional costs of caring for your lawn, keeping up with home maintenance, and cooking every meal can add up. What’s important to remember is that the services provided by an independent living community come at a cost that is actually a bargain when you consider what it could cost to purchase services separately. Lawn care, upkeep, housekeeping—these costs can add up quickly.

What is included in the average monthly cost for independent living?

The true value of independent living goes far beyond a new place to call home. Independent living communities offer a wide variety of amenities and services included in the monthly cost to make your retirement as stress-free and enriching as possible. Amenities and fees vary by community, but here is just a sampling of what may be included in your monthly costs when moving to an independent living community:

  • Housekeeping, maintenance and groundskeeping services One aspect of independent living communities that cannot be overstated is the convenience factor. There are team members to take care of chores, such as housekeeping, maintenance, snow removal and lawn care.
  • Spacious floor plans including studio, one, or two-bedroom apartments. When it comes to senior living housing, there’s a misconception that rooms are small, institutional, or look like college dorms. This couldn’t be further from the truth. Five Star independent living apartments are charmingly designed, comfortably spacious, and come in a variety of sizes and styles. Plus, every apartment comes equipped with great amenities to make you feel right at home.
  • Nutritious, chef-prepared meals served restaurant-style in the dining room. Older adults sometimes say their relationship with food has changed with age—not just eating but cooking as well. That’s understandable when you consider that some medications decrease appetite and special diets limit options. Chronic medical conditions such as diabetes or heart disease also play a part. Take out the salt and sugar, and suddenly food becomes less interesting. Most independent living communities are aware of this and offer a variety of healthy meal options that still please the palate. Some communities accommodate restricted diets. For those who love to cook or make their own food for health reasons, some offer a kitchen or kitchenette in each apartment to give the home chef a culinary playground.
  • Utilities. The cost of utilities is different in every community, but often are included in the monthly room costs. These utilities can include cable television, electricity, internet, housekeeping, and water all bundled together for one convenient monthly cost.
  • A sense of community and a full calendar of active senior activities and clubs to choose from. Moving to an independent living community can significantly improve older adults’ quality of life. Residents in these communities are often close in age and share similar interests with their neighbors. Communities also offer both formal and informal opportunities for connecting. A morning cup of coffee and conversation in the lounge or garden is a great way to start the day. Joining friends for restaurant-style lunch or dinner makes mealtime more enjoyable and meaningful. And playing a game of cards in the den can end the day with a smile. There’s no shortage of activities to dive into. (In fact, you may find you have too much to do, but in a good way.)
  • Transportation services for errands, appointments and other community outings. Independent living communities at Five Star offer you the ability to get where you need to go. Transportation services offer scheduled rides to doctor’s appointments, grocery stores, and fun community outings to museums and entertainment.
  • Wellness programs and senior-friendly fitness activities. Onsite senior fitness classes build not just strength and flexibility but social connections. Feel refreshed after a sit and stretch class, head to the pool for water aerobics, or join a walking club to make your mornings active.
  • Safe and secure environment where medical care is easily accessible if needed. Because safety is often a concern—especially as people age and walking becomes more difficult—residences are designed with the needs of older adults in mind, such as handrails, grab bars, emergency call systems and good lighting. If a medical emergency does occur, there are systems in place to summon help.
  • Access to on-site amenities. Enjoy life at home with movie nights, game clubs, barber shop/hair salon, heated pool, library, physical therapy services, and more.

How much does independent living cost compared to aging in place?

The cost saving benefits of independent living don’t stop at utilities and home maintenance. Independent living at a senior living community gives you the freedom and purpose to pursue hobbies, make meaningful social connections, and stay engaged with an array of activities. Many communities offer independent living and assisted living under the same roof so you can age in place if you require more medical and daily assistance. The transition from independent to assisted living can be smooth while you reap the benefits of a stress-free lifestyle focused on enhancing your independence.

How can I pay for independent living?

Most seniors pay for independent living with private funds; however, the monthly cost of independent living can become much more manageable through senior living financing options like:

  • A Bridge Loan or Senior Line-of-Credit: These short-term, “interest-only” loans help fund assisted living costs until the necessary money comes in.
  • Deferred Annuity with Long-term Care Rider: Rather than making monthly insurance payments, the investor places a lump sum of money into a deferred annuity. They can then withdraw the money, tax-free and without any IRS penalties, to pay for assisted living.
  • Life Settlement Accounts: With a life settlement agreement, a senior sells their life insurance to a third party and receives a lump sum payment.
  • Veteran’s Benefits: US veterans and the surviving spouses of veterans can receive monthly benefits to pay for assisted living through the Aid and Attendance Benefit.

The Five Star Difference: Stress-Free Independent Living

Moving to an independent living community is much more than a real estate decision; it’s a quality of life decision. The programs, services and amenities our independent living communities offer can take away the worry and add a lot of joy—not a bad tradeoff. Five Star’s independent living experts are happy to help answer your questions about independent living costs. In a Five Star independent living community, our residents enjoy the value and the active lifestyle they deserve. Most importantly, though, they are welcomed into a new home sweet home where life is stress-free, and friends become family.

Download our FREE Guide to the Cost of Senior Living eBook and find out if there’s a Five Star community near you. Contact us to learn more.

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What Questions Should You Ask on a Senior Living Tour?

 June 4, 2024

When choosing a senior living community for yourself or a loved one, it can be easy to feel overwhelmed with a myriad of options available, from accommodations to amenities and local area attractions. As you tour different senior living communities, it’s important to ask the right questions to help you keep track of the different communities you visit and to be able to decide what’s right for you.

In this article

When gathering your list of questions to ask when touring senior living facilities, here are some key areas to keep in mind:

Questions About Senior Living Community Lifestyle and Activities

What types of activities are offered, and how often? 

Ensure the community offers activities that match your interests, such as fitness classes, lectures, social events, field trips, crafts, and games.

Is there a focus on resident choice and personalization of activities? 

Having the power of choice with senior living activities helps residents to maintain a sense of independence and control while continuing to enjoy activities they’re used to as well as providing opportunities to try something new.

How does the community foster socialization among residents?

Inquire about the community’s commitment to social wellness. Review their events calendar for group activities like outings, movie nights, and book clubs.

Does the community offer transportation for outings, errands, or appointments?

Having transportation assistance available enables residents to maintain their independence, helping them to get to appointments and other outings while still living independently. This also gives peace of mind to residents and their loved ones by relieving the stress involved with driving.

Senior Living Tour Questions About Health and Wellness

What levels of care are provided?

Depending on you or your loved one’s needs, you may be looking for an independent living community, assisted living, or a memory care program. Ensure that the community can provide the appropriate level of care.

What are the staff qualifications and experience?

Having a staff that is not only compassionate but qualified for varying levels of medical and personal care is essential to maintaining safety and giving residents the best experience possible.

What is the staff-to-resident ratio?

Having a lower staff-to-resident ratio can ensure that everyone gets more attention.

How are medical emergencies handled?

It is always wise to know the process for a medical emergency before one may occur, including who is available to help, who will be contacted, and what are the next steps .

How does the community involve family members in the care and decision-making process?

Communities that are committed to inclusivity and resident wellbeing, ensure that families are engaged partners in their loved one’s care planning.

What senior fitness activities and resources are available?

Having a gym with senior fitness programs helps promote an active senior lifestyle and is great for physical and mental health. Ageility physical therapy services are available at many of our Five Star communities.

What are the dining options and can they accommodate special dietary needs?

Senior living dining options are meant to be both delicious and convenient. Many senior living communities offer customized meals for dietary needs and personal preferences.

Senior Living Safety and Security Questions

What security measures are in place?

Are there things like emergency call systems, security cameras, or other protective devices installed on the premises? Where, and what are the protocols for handling a safety concern?

How is the building maintained for safety?

What measures are in place for fire safety, slip-fall prevention, and other safety accommodations?

Questions About The General Senior Living Environment

Can you see a model resident apartment or room?

Getting to see an example can really help you accurately visualize what it will be like to live in the community and help reduce anticipatory anxiety for future residents and their loved ones.

What amenities are private and which are communal?

In independent living communities, apartments often have private kitchens and bathrooms, but there may also be communal amenities like dining halls, activity spaces, and lounges.

How is maintenance and housekeeping handled within the community?

The level of cleanliness, upkeep, and overall comfort residents can expect, directly impacts their quality of life and well-being.

How would you describe the overall atmosphere of the community? 

Each senior living community has a different atmosphere and amenities. Finding one that “feels right” is as important as the technical details on paper.

Is the community pet-friendly?

If you or your loved one already has a four-legged friend or are considering a companion, then finding a pet-friendly community is a must.

Are there opportunities for residents to personalize their living spaces? 

Personalization fosters a sense of comfort, familiarity, and ownership, which can go a long way in turning a house or apartment into a home.

What is your policy on visitors and overnight guests?

The flexibility for family and friends to visit means you can still host holidays or have sleepovers with the grandchildren.

Can residents bring their own cars?

Independent living is just that, independent. As such the expectation would be that cars, or golf carts, are allowed. Get clarity on the policy and be sure to ask about parking too.

Questions About Senior Living Finances and Contracts

Is there a trial period? 

Short term stays are often used as a trial run for families to see if a senior living community may be right for their loved one. Many Five Star Senior Living communities offer respite care or short term stays.

How much does senior living cost?

What is the monthly rent or fee structure? Understand the costs of senior living, including what other expenses may be included.

What utilities and services are included in the monthly fee? 

Are there any additional fees for meals, amenities, or care services?

What is the policy on refunds or transitioning to a higher level of senior care?

Understanding the levels of care and potential next steps for you or your loved one is invaluable knowledge for long term planning.

What forms of payment are accepted?

How you are going to pay for senior living is a valid question to ask upfront.

Additional Tips

  • Be sure to keep organized notes of tours and follow up answers to questions for each community toured or visited in order to help avoid becoming overwhelmed when making a decision. Reviewing your notes will help to clarify your priorities and narrow down your options.
  • Talk to current residents and their families to gain their perspectives. First-hand accounts of their experiences with the community and staff can help you feel more confident in your final choice
  • Trust your gut feeling – is this a place where you or your loved one would feel happy and comfortable? All of the amenities in the world pale in comparison to your happiness or the happiness of someone you love.

Finding the right senior living community involves a lot of personal considerations. By asking these questions and doing your research, you can find a senior living community that meets your loved one’s needs and preferences and provides a safe and comfortable transition to a community that truly feels like home.

Schedule a Five Star Senior Living Tour at a Community Near You

At Five Star Senior Living, we’re always happy to answer any questions you may have in your senior living search process, and can even suggest some of our own! We want you to feel as informed and confident in your decision as possible, and pride ourselves on helping you feel empowered during the process of choosing a senior living community.

Find a Five Star Senior Living community near you to schedule a tour today.

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Benefits of Swimming for Seniors

 May 24, 2024

Swimming is universally known as a great, low-impact exercise for all ages, but it’s a particularly beneficial exercise for older adults. Swimming for seniors offers more than just physical health benefits. On warm-weather days, swimming offers a chance to get much-needed fresh air and vitamin D.

On colder or rainier days, swimming indoors can be a relaxing act of self-care, and no matter the weather or water source, it’s always fun to swim with friends. Taking swimming classes as part of a senior fitness routine can offer camaraderie and a regularly scheduled activity to look forward to, helping to maintain familiar routines while getting gentle exercise.

Table of Contents

Let’s take a look at some of the specific benefits of swimming for seniors.

Health Benefits of Swimming for Seniors

It’s no surprise that swimming is good for your health, and it’s a perfect exercise for seniors because it offers an excellent source of cardiovascular exercise while going easy on joints. Unlike high-impact cardiovascular exercise like running, swimming uses the benefit of the water’s buoyancy to take stress off of the joints while providing gentle resistance to work up to a safe target heart rate.

7 Ways Swimming Keeps Seniors Active and Healthy

 

  1. Promoting cardiovascular health – Swimming is an amazing way to maintain cardiovascular health and help prevent cardiovascular disease. By working both the heart and lungs, swimming helps the body use oxygen more efficiently and improve circulation, reducing risk of coronary heart disease, stroke, and helping to improve things like blood pressure and cholesterol.
  2. Improved flexibility – swimming allows for gentle stretching and safely expanding range of motion over time, helping improve mobility and promote comfort when moving outside of the pool.
  3. Improved bone health – swimming can help improve bone mineral density (BMD), helping to fight against bone loss diseases like osteopenia and osteoporosis. It’s also a great way to naturally manage arthritis pain.
  4. Strength, posture, and stability – the water’s resistance combined with immersion means that swimming helps to condition muscles on the entire body, promoting improved posture and core strength, leading to improved balance and a lower risk of falls.
  5. Mental health benefits – the aerobic nature of swimming combined with its meditative qualities have been shown to reduce stress, anxiety, and feelings of depression, and to promote general feelings of wellbeing.
  6. Improved sleep – because it works all of the body’s muscle groups, swimming helps tire you out (in a good way!) and helps improve sleep quality. Poor sleep can lead to mental health struggles, and higher risk of illness and mortality. With approximately 50% of older adults experiencing sleep difficulties, this is a particularly important benefit that swimming offers to seniors.
  7. Opportunity for social engagement – isolation and loneliness are common issues that seniors face. When attending a swimming class as part of a senior fitness program, senior living residents enjoy regular social time with friends which is of great benefit to mental health and an overall sense of belonging and wellbeing. Attending a class with others also helps encourage swimmers to keep up a routine and stick with their fitness plan.

Pool Exercises for Seniors

If you or a loved one are currently living in or considering living in a senior living community, there’s a good chance your senior living community’s amenities will include an indoor or outdoor pool. Unsure which swimming exercises are best for older adults? The good news is you don’t need an instructor or special equipment to have a great aquatic workout. In fact, you don’t have to swim at all! Here are a few sample pool exercises for seniors to help you get started:

  1. Walking/jogging in the pool – Let the water work with you by pushing against you! Taking a slow walk in the shallow end of the pool or working up to a more vigorous pace gives you the heart-pumping workout of a jog on land with a fraction of the impact on joints. If you lose your balance, you won’t fall, and you can maintain a pace that’s comfortable for you while counting horizontal laps across the pool to track your progress.
  2. Flutter kicks – This senior pool exercise can be performed while moving or stationary. To do stationary flutter kicks, you can hold onto the side of the pool and kick your legs out behind you, or lie on your back and float your legs in front of you, keeping your legs as straight as you can and performing small kicking movements. To perform flutter kicks while moving, grab onto a kickboard and propel yourself forward with the same, rapid, straight-legged kicks. Remember to maintain a pace that gets your heart rate elevated but doesn’t feel exhausting.
  3. Pool edge wall push-ups – Unlike traditional push-ups that put a lot of strain on elbows and wrists, pool push-ups allow you to strengthen your core and arms while remaining standing. Approach the edge of the pool where you’re able to stand with some of your torso above the water. Hold onto the side of the pool with your arms a little wider than shoulder-width apart, standing far enough back where your feet are still able to plant firmly on the pool bottom. Gently lower your chest toward the edge of the pool, then push back to a more upright position. Increase repetitions as your strength improves.

These are just a few of many senior pool exercises you can try. For more in-depth instructions and examples, it’s a good idea to talk with your community’s senior fitness director or, for specific joint or mobility concerns, work with a dedicated senior physical therapist to get the most benefit out of your workout.

Find a Senior Living Community with swimming Pool

At Five Star Senior Living, we see senior fitness and wellness as an integral part of the senior living experience. With our Lifestyle360 program and access to senior physical therapists from Ageility Physical Therapy Solutions, our properties are equipped to promote wellbeing and an active senior lifestyle.

Many of our senior living communities include access to a beautiful swimming pool, some indoor and some outdoor. To find the right senior living community for you, use our community finder or contact one of our community experts to answer any questions you may have. We look forward to meeting you (and seeing you at the pool!) soon!

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How Much Does Assisted Living Cost? [2024]

 May 14, 2024

Growing old can be a beautiful thing, full of new experiences and joys like finally taking that trip you always planned on or helping raise grandchildren. Yet, there comes a time for many seniors when declining health conditions make basic daily activities—like bathing or managing medication—require assistance. These may be signs it’s time to consider moving into an assisted living community.

Moving into an assisted living community can be a difficult—and emotional—decision. It doesn’t help that searching for assisted living costs online brings up all sorts of confusing fees, contracts and services that vary widely. It’s normal if you have a lot of questions.

The good news is, we’ve got you covered with simple and straightforward answers to the most asked questions about the cost of assisted living. Here’s what you need to know about assisted living costs so you can make the best choice.

What is the average cost of assisted living?

Assisted living costs can vary greatly depending upon what area of the country you live in. The size of the apartment you choose, and the types and number of services also impact the monthly cost of assisted living. According to A Place for Mom’s proprietary data, the average cost of assisted living in 2024 is $4,995 per month. While the monthly cost of assisted living may cause an initial senior living sticker shock, the services and amenities included in the monthly cost make a move to an assisted living community a smart financial decision, especially compared to the cost of hiring a home health aide.

What is an assisted living community?

Assisted living communities are far more than just places that provide senior care. They should also be a home where everyday burdens—like transportation and chores—are taken care of so your loved one can stay active and engaged doing the things they love most. Assisted living can be best thought of as a busy, involved community atmosphere that lies on the continuum between independent living and full-time, nursing-provided care. It’s best for seniors who need a little extra help with some activities of daily living (ADLs) like dressing and medication reminders so they can live their most independent life.

What is included in the cost of an assisted living community?

The true value of an assisted living community goes far beyond a new place to call home. Assisted living communities offer a wide variety of amenities and services included in the monthly cost to meet your loved one’s needs like:

  • Housekeeping, maintenance and laundry services.
  • Nutritious, chef-prepared meals served restaurant-style in the dining room.
  • Utilities and basic cable television.
  • A full calendar of life enrichment programs to participate in each day.
  • Transportation services for errands, appointments and other community outings.
  • Wellness programs and senior-friendly fitness activities.
  • Emergency call systems in apartments and/or an emergency call pendant option.

How can I pay for assisted living?

Most seniors pay with private funds; however, the monthly cost of assisted living can become much more manageable through senior living financing options like:

  • A Bridge Loan or Senior Line-of-Credit: These short-term, “interest-only” loans help fund assisted living costs until the necessary money comes in.
  • Deferred Annuity with Long-term Care Rider: Rather than making monthly insurance payments, the investor places a lump sum of money into a deferred annuity. They can then withdraw the money, tax-free and without any IRS penalties, to pay for assisted living.
  • Life Settlement Accounts: With a life settlement agreement, a senior sells their life insurance to a third party and receives a lump sum payment.
  • Veteran’s Benefits: US veterans and the surviving spouses of veterans can receive monthly benefits to pay for assisted living through the Aid and Attendance Benefit.

The Five Star Difference: Stress-Free Assisted Living

We know how hard the decision to move into an assisted living community can be, especially when it comes down to figuring out the cost and how to pay for it. That’s why Five Star’s senior living experts are happy to help answer your questions about assisted living costs and work with your budget so you can make the most informed decision. In a Five Star assisted living community, our residents receive the services they need in an engaging, active lifestyle they deserve at a cost they can afford. Most importantly, though, they are welcomed into a new home sweet home where life is stress-free, and friends become family.

Download our FREE Guide to the Cost of Senior Living eBook and find out if there’s a Five Star Senior Living community near you to learn more.

Contact Us Today

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How Much Does Memory Care Cost? [2024]

 May 5, 2024

Watching an aging loved one change before your eyes from dementia stemming from an Alzheimer’s diagnosis can be heartbreaking. Wrestling with the question of how to give them the best care makes matters even more difficult. Should they stay at home or move into a memory care community? An online search pulls up a sea of information, but wading through it to find memory care cost information and benefits is a time-consuming task. We’re here to make it easier. Here’s what you need to know about the costs of memory care so you can make the best decision for your loved one.

The average cost of memory care in 2024 is $6,200 per month, according to the 2024 long-term care cost report by A Place for Mom. However, the price of memory care can vary greatly based on location, services, program, level of specialized care, and amenities.

A Closer Look at Memory Care Costs

Finding a memory care senior living community can make a world of difference in quality of life for those living with memory issues and brings tremendous peace of mind to their families and caregivers. With specialized supervision, on-demand medical care and enriching activities, memory care requires some financial planning as it is often paid out of pocket. This can feel overwhelming to families, especially if they don’t have long-term care insurance.

Like assisted living, Medicare and Medicare Advantage plans generally don’t cover memory care room and board, which drives costs up significantly. Barring things like veterans’ benefits and the possibility of Medicaid covering some costs of long-term care once assets are completely depleted, memory care costs can add up quickly.

And while the average monthly memory care costs may seem high, at first glance, consider that in addition to specialized care, a memory care program encompasses living expenses that would normally be paid separately, including:

  • Rent or mortgage
  • Electricity
  • Water
  • Heating and cooling
  • Home maintenance
  • Landscaping and snow removal costs
  • Well-balanced meals and healthy snacks
  • Entertainment and activities, such as adult education courses, a gym membership, and social events
  • Transportation services

Memory Care Costs in Comparison: Less Expensive than Aging in Place

When comparing the cost of memory care to hiring a home health aide to help an aging loved one with housekeeping and activities of daily living, memory care is generally the less costly option, especially if 24/7 home health aide coverage is needed.

Considering What’s Included in Memory Care Costs vs. Home Health Aide Services

When comparing memory care costs to hiring a home health aide, the savings goes far beyond the initial average price difference. While your loved one may not require 24/7 coverage (yet), a senior living at home may still need care on evenings and weekends when you can’t be there. Depending on the aide’s duties, you might also need to pay someone else to drive them to doctor’s appointments and run errands while you are working. And don’t forget that these care costs are on top of your loved one’s regular housing and living expenses.

Since a home health aide typically doesn’t do handyman work or chores like mowing the lawn, they may also need to hire someone for home maintenance, landscaping and snow removal services. We can’t overlook the cost of home modifications. Creating senior-friendly bathrooms, adding better lighting and ramps are just a few of the costly expenses you may incur.

The Real Cost of Memory Care – Can You Afford Not to Take Advantage of the Benefits of a Memory Care Community?

As we add up all these costs, it’s much easier to put memory care costs into perspective and to see investing in memory care as a smart financial decision. In addition to seeing great value in memory care compared to aging in place, it can also be the best option for providing your aging loved one with opportunities for social enrichment, intellectual stimulation, and daily exercise that they may not get at home. In memory care, you can rest easy knowing your loved one is having all their needs met and can still find purpose, joy and connection despite their diagnosis. That’s because our team members know that memory care isn’t just for preserving memories, but also making new ones. We welcome your loved one to make them with us.

To learn more about memory care programs, contact a Five Star Senior Living community nearest you. One of our team members will be happy to help answer questions, explain costs, and take you on a tour.

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What is the Aid and Attendance Benefit for Veterans?

 January 15, 2024

When it comes to financing senior care, older adults are often unaware of how many financial options there are that can help. From life-settlement funds to bridge loans, there are a variety of programs designed to make it easier to finance senior care. One benefit that is often overlooked was created for veterans and their surviving spouses. It is the Pension with Aid and Attendance Benefit and is commonly referred to as the Aid and Attendance for Veterans Benefit.

What is the VA Aid and Attendance Benefit?

This benefit, managed by the Department of Veterans Affairs, provides financial support to veterans to assist with the costs of long-term care. The purpose of this program is to ensure that veterans who served our nation receive the care they need.

Aid and Attendance support is available only to veterans and surviving spouses who meet eligibility requirements. In general, the veteran needs to have served at least 90 days of active-duty service with at least one day during a recognized period of war.

Because Aid & Attendance (A&A) is based on your income, medical expenses and assets, if you meet the military requirement, it is no longer a Yes or No benefit – it is If and When. Learn more about applying for this benefit below.

How much does the VA pay for Aid and Attendance?

The 2024 Veterans Aid and Attendance Benefit rates are:

  • A Veteran may qualify for as much as $2,300 per month
  • A Married Veteran may qualify for as much as $2,727 per month
  • Surviving Spouses may qualify for as much as $1,478 per month
  • A Well Veteran with Ill Spouse may qualify for up to $1,806 per month

These amounts have historically increased by the same cost of living adjustments as social security.

Commonly Asked Questions about Aid and Attendance

Q: Is this benefit different from a monthly military pension for veterans?

A: Yes. This benefit is separate from and in addition to a monthly pension from a branch of the Military. This pension is from the VA and can be granted in addition to a Military pension. You cannot receive disability compensation or Death and Indemnity Compensation (DIC) and Pension with Aid and Attendance at the same time. If you qualify for both disability compensation or DIC and you also qualify for the Pension with Aid and Attendance, you can choose whichever is most advantageous for you. Surprisingly, the lower paying benefit is occasionally the better financial choice.

Q: How does a veteran or surviving spouse apply for this benefit? Can you apply in person?

A: Veterans or a surviving spouse can apply through their regional Veterans Affairs office. However, it is a complicated and time-consuming process and, similar to filing your taxes, you might want to work with a professional with expertise in the Pension with Aid and Attendance benefit. At Five Star Senior Living, we partner with Elder Resource Benefits Consulting to help our residents and future residents with consultation and guidance regarding the VA Aid & Attendance benefit.

To learn more about this benefit and to book your appointment for your free benefit analysis we invite you to contact Elder Resource Benefits Consulting at 833-822-9273 or 508-485-0039 or go to elderbenefitsconsulting.com and select the Book Now option on the home page.

Please have the following information ready before you call:

  • Monthly gross income from all sources
  • Estimated other annual income—interest, dividends, IRA contributions, capital gains, etc.
  • Monthly health and/or long-term care insurance premiums
  • Monthly projected residency fee
  • Understanding of applicant’s assets, including IRAs
  • The Veteran’s period of war

Five Star Affordability: Download our Cost of Senior Living Guide

We understand that senior living financing options can be confusing, so we created a resource to help. Download our FREE “Your Complete Guide to the Cost of Senior Living” eBook to get the answers you need. Learn about typical cost ranges, services offered and financing options, from Aid and Attendance to using bridge loans. We’ve also included how to contact a senior living counselor who can help answer any further questions.

Find out if there’s a Five Star Senior Living community near you or contact us to learn more.

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What is Caregiver Fatigue?

 December 14, 2023

Caring for a loved one is a selfless act of love, kindness, and loyalty. As rewarding as it can be, caregiving can also be a challenging journey. Caregiver fatigue, also known as caregiver burnout, is a state of physical, emotional, and mental exhaustion that occurs when you’re taking care of someone else. This is not regular tiredness, it’s a profound exhaustion that affects your physical, emotional, and mental well-being as a caregiver.

Caregiver fatigue doesn’t only affect family caregivers but professional caregivers as well. It’s important to remember that your health and well-being are vital to the health and well-being of the person you care for.

Recognizing caregiver fatigue is the first step toward addressing it. Understanding the timeline, symptoms, and prevention strategies can empower you as a caregiver to seek support you may need.

Caregiver Fatigue Timeline

Caregiver fatigue can increase a caregiver’s stress, especially when they’re caring for a spouse, living with the person who needs care, facing financial burdens, or caring for someone who needs constant care.

 

  1. Initial Commitment: In the beginning, caregiving is met with enthusiasm and a sense of responsibility.
  2. Mounting Challenges: As caregiving goes on, the physical and emotional demands can increase which may lead to stress and exhaustion. You may be spending vacation time caregiving or cutting down on personal hobbies or activities.
  3. Increasing responsibility: The needs of the cared for person can grow and can continue to affect the lifestyle of the caregiver.
  4. Acknowledging the strain: Once caregiving starts to affect your health and well-being it’s important to address it. You may feel burdened , worried, tired, sad, or not sleeping enough.
  5. Seek Support: Understanding you need help and seeking support can be a challenge. There are lots of options for caregivers and the person they’re caring for.
  6. Adjusting and Adapting: By seeking support, a caregiver can find balance between their life and the well-being of the person they’re caring for.

Caregiver Fatigue Symptoms

Caregiver fatigue can be a gradual process and manifest in various symptoms that can impact every aspect of a caregiver’s life. Recognizing these signs is crucial for seeking timely support and maintaining one’s health and well-being.

Emotional and Mental Symptoms:

  • Persistent Emotional Exhaustion: A feeling of being emotionally drained and depleted, which can persist even after rest.
  • Increased Irritability or Impatience: Minor irritations may provoke significant frustration or anger.
  • Feelings of Sadness or Depression: A pervasive sense of sadness, hopelessness, or episodes of depression.
  • Anxiety and Worry: Excessive concerns about the future or feeling overwhelmed by caregiving responsibilities.
  • Reduced Empathy: A notable decrease in feelings of empathy or compassion toward the person being cared for.

Physical Symptoms:

  • Chronic Fatigue: Feeling tired all the time, despite adequate sleep or rest.
  • Sleep Disturbances: Difficulties in falling or staying asleep, or conversely, sleeping too much.
  • Changed Appetite: Loss of appetite or resorting to comfort eating.
  • Physical Ailments: Increased susceptibility to colds, flu, or other infections; unexplained aches and pains.
  • Neglect of Personal Health: Ignoring one’s own health needs, skipping medical appointments, or not maintaining a regular exercise routine.

Behavioral and Social Symptoms:

  • Withdrawal from Social Activities: Isolating oneself from friends, family, and social gatherings.
  • Neglect of Personal Interests: Losing interest in hobbies or activities that were once enjoyable.
  • Changes in Job Performance: Decreased productivity or difficulties in maintaining professional responsibilities.
  • Substance Abuse: Increased reliance on substances like alcohol, prescription drugs, or caffeine to cope with stress.
  • Caretaker Burnout: In severe cases, a desire to abandon caregiving responsibilities altogether.

Recognizing these symptoms in oneself or in someone who is a caregiver is vital. It’s not just about identifying the signs but understanding the need for action. Five Star Senior Living offers various support options, including short-term stays. Our communities are designed to enrich the lives of both seniors and their caregivers, promoting an active lifestyle, socialization, and overall well-being. By acknowledging and addressing caregiver fatigue, caregivers can continue to provide supportive care while maintaining their own health and happiness.

How to Prevent Caregiver Fatigue

What about you? Do you suffer from caregiver fatigue? Here are some quick tips to keep in mind:

  • Adjust your expectations to prevent guilty feelings. Remember that no one person can do it all.
  • Don’t do it alone. Reach out to a therapist or other helping professional to take good care of yourself.
  • Use communication apps like CaringBridge and MyLifeLine to centralize updates on your loved one.
  • Check your town or city web site for no- or low-cost community resources, such as meals-on-wheels, to shorten your to-do list.
  • Find some time for you. Suggestion: Explore local respite care services to give yourself a regular break you can look forward to.

Five Star Senior Living is one of the nation’s leading providers of respite for seniors. With communities across 28 states, chances are there’s a respite program near you. Call us today at (617) 796-8387 or visit to learn more and schedule a virtual tour.

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Transportation Services for Seniors

 October 27, 2023

Driving is often synonymous with independence. If you’re an older adult and you’re thinking of hanging up the car keys for good you may feel concerned about how you’ll get around town. Many older adults don’t want to be what they perceive as a burden to family members. Public transportation isn’t always available or senior-friendly in some areas of the country, and taxi cabs can be cost-prohibitive for frequent use.

Not knowing what alternative transportation options are available is one reason some seniors keep driving long after they begin to feel less confident behind the wheel.

In this article:

The good news is there are many transportation services for seniors that offer practical benefits. Because we understand how important it is for older adults to have solutions they feel confident in, we created this list of rideshare services and transportation providers. We hope it will give you some options to explore.

Rideshare and Transportation Options for Seniors

Uber for Seniors

Uber is one of the most popular ride sharing platforms for seniors. With a convenient and easy-to-use app, seniors can get where they need to go when they want. Programs like Uber Health, which allows senior centers to request, pay, and manage rides without having seniors sign up for the app, allow seniors the flexibility and ease of getting to doctor’s appointments, family gatherings, or shopping trips without any hassle.

Lyft for Seniors

The ride sharing app service Lyft has come up with some innovative programs to make it easier for older adults, including those without a smartphone, to access transportation. Whether it’s discounted rides for seniors going to the grocery store or free rides to polling booths during elections, Lyft is an option to explore with a senior loved one.

GoGoGrandparent

If you’re not tech savvy or don’t have a smartphone, this transportation coordination service can be a big help. It acts as a concierge between transportation options, such as Lyft and Uber, in the local area and seniors who need a ride.

Volunteer Transportation Programs

Many cities and counties have volunteer ride programs dedicated to safely transporting older adults. You can use this site to quickly locate programs near you.

Area Agency on Aging

Your local council on aging office is another option to explore. They often maintain a list of senior-friendly transportation services and volunteer transportation organizations. You can search the national agency’s database to find the contact information for the office that is closest to you.

iTNAmerica

Depending upon where in the country you live, you might find iTNAmerica to be helpful. They connect seniors with local transportation providers who will treat them with dignity and respect. That includes helping them with door through door service, not just dropping riders off or picking them up at the curb.

Transportation Services at Five Star Senior Living

Whether it’s time to get rid of your car or the finances of ridesharing don’t work for you, consider the transportation benefits of being a resident at a senior living community. At Five Star Senior Living communities across the country, residents can take advantage of our in-house transportation services. With friendly drivers who get to know you and favorably located communities, our transportation services for seniors can be used for physician appointments, outings to local malls and restaurants, scenic drives, and more. Find a community today and talk to one of our team members about your transportation needs.

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5 Ways to Combat Loneliness in Seniors

 October 6, 2023

We all experience loneliness at some point in our lives, but as we age we have an increased risk of experiencing loneliness. In fact, an estimated 13.8 million seniors live alone, according to a report by the Administration for Community Living’s Administration on Aging of the U.S. Department of Health and Human Services. Chronic loneliness is the feeling of being alone, regardless of the amount of social contact. As an older adult, this can increase your risk of dementia by 50 percent.

In this article:

What Contributes to Senior Loneliness and Isolation?

Senior isolation is unfortunately a common occurrence. Many older adults live at home alone, often after the loss of a loved one. Reduced mobility or lack of physical exercise can also cause seniors to become housebound or get out less. Without frequent visits from family or friends, feelings of isolation can sink in and keep you from living your fullest, most vibrant life.

How To Reduce Senior Loneliness and Build Genuine Connections

The “epidemic of loneliness” is considered a public health concern. In May, a Surgeon General Advisory highlighted the dangers of loneliness, especially senior loneliness.

“Our epidemic of loneliness and isolation has been an underappreciated public health crisis that has harmed individual and societal health. Our relationships are a source of healing and well-being hiding in plain sight – one that can help us live healthier, more fulfilled, and more productive lives,” said U.S. Surgeon General Dr. Vivek Murthy in the advisory.

Here’s the most important thing to remember: you’re not alone. Your neighbor down the street may be having those same feelings of loneliness and isolation, just waiting for someone to knock on their door and say hello. Building genuine, human connections is one of the most powerful ways to overcome loneliness. Here are five ways to do just that and find joy, purpose and new friendships later in life.

1. Reduce isolation by getting to know your neighbors

Putting yourself out there to meet people in your community isn’t easy, but the benefits can be life changing. Staying connected with your neighbors doesn’t require any grand gestures, either. The report also discovered that performing small acts of kindness like offering advice to new neighbors, helping bring in groceries or just waving hello as you walk by can reduce the likelihood of feeling lonely.

2. Fight loneliness by getting involved in the community

Everyone has unique skills and talents they can offer their community. Maybe it’s a green thumb, an artistic side or simply a passion for pitching in wherever help is needed. Volunteering is a great way to do just that while also making new friends. Search online or ask a neighbor about volunteering opportunities in your community like tending to local gardens, tutoring kids after school or helping put together care packages for those in need.

3. Prevent senior isolation by getting and staying active

It’s no secret that keeping your mind and body active has major health benefits for older adults, but if done in a group, it’s also one of the most effective ways to fight loneliness. Finding the motivation to get and stay active, though, isn’t easy. The thing to remember is, having an active senior lifestyle doesn’t mean you need to hit the gym and work up a sweat every day. Activities as simple, easy and fun as joining a neighborhood walking group or, if immobility is an issue, working on a puzzle with a friend can help improve your overall well being while also keeping you connected to others.

4. Feeling lonely? Ask for help

Sometimes the hardest thing to do when we’re feeling lonely is to tell someone. It can feel like you’re being a burden. Or maybe you were raised to rely on yourself, not others. For those that bravely take that first step toward seeking help, though, there are all sorts of great resources available that can help you cope. The Social Isolation and Loneliness Outreach Toolkit from the National Institute on Aging and Connect 2Tools from AARP are good places to start. If you’re experiencing symptoms of senior depression alongside feelings of loneliness—like loss of appetite or lack of energy—also consider contacting a mental health professional who can offer guidance and coping strategies.

5. Move into a senior living community

It’s only natural that living alone can lead to feelings of loneliness, especially if you have lost a spouse. The desire to maintain independence and remain at home as you age is common amongst older adults, but isolation can be a dangerous side effect.

That’s where senior living communities come in. Life in a senior living community not only promotes your health and wellness, but also encourages socialization. With a lifestyle that provides you with more choices and more comfort, you have more time to pursue your passions. Senior living communities give you opportunities to know your neighbors, get involved, and stay active.

The Five Star Difference: Goodbye senior loneliness, hello life

At Five Star, helping our residents find joy, purpose and friends they can call family is our mission. Our innovative LifeStyle360 wellness program is designed to connect residents and combat loneliness by offering enriching and engaging activities for residents. Don’t just take our word for it. Here’s what one resident had to say about how moving into a Five Star community helped her overcome her loneliness and live life to her fullest.

“This has been a huge blessing in my life. I found myself being very lonely and not eating well while living alone. My friends and family suggested I take a look at [Five Star] and it has been the best decision. I have made so many friends. I’ve gotten healthier with all the dining options. I go to many activities, especially Bible study. Anything I need they take care of. The community is so clean and inviting. I never want to leave here and wish I had moved sooner.”

To learn more about how life at Five Star Senior Living is can be the antidote to senior loneliness and isolation, contact one of our senior living experts or find a Five Star Senior Living community near you.

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5 Ways Seniors Can Avoid Online Shopping Scams

 September 25, 2023

So much of our lives is spent online. The convenience of online shopping has made it a ubiquitous part of many seniors’ lives for food, clothing, medication, and more. With that convenience, however, comes the lurking dangers of online scams that can prey on unsuspecting people. According to the FBI’s Internet Crime Complaint Center, there were over 88,000 internet crime victims over the age of 60 in 2022 with an estimated $3.1 billion lost—an 84 percent increase from the previous year.

As internet shopping scams targeting seniors continue to increase it’s more important than ever to learn how to stay safe online. By following these strategies, you can protect your hard-earned money while enjoying the benefits of online shopping without becoming a victim.

In this article:

5 Safety Tips for Seniors Who Shop Online

1. Order Online From Retailers You Know and Trust

While many online retailers are safe and legitimate, others aren’t. Knowing which are safe and which to avoid can be challenging. One suggestion is to online shop directly from retailers that you enjoy shopping at in person. In addition to helping protect your identity and privacy, this approach also ensures the quality of the products you are ordering. Be aware of offers that might seem too good to be true. While many big retailers can offer great sales, be conscious of what you’re buying and where you’re buying it from.

2. Beware of the Links in Emails

Scammers have become quite sophisticated. Their emails can even look identical to those from popular stores and financial institutions. It’s often impossible to tell which are legitimate and which aren’t.

Beware of emails encouraging you to click on a link. It might ask you to update your account or say it’s time to change your password. If you click on the link, you are often taken to a website designed to steal your data and financial information. Instead, go directly to the company’s website or call them to validate the authenticity of any concerning messages you receive.

3. Check the Site’s Security

Another tip is to make sure a site’s web address begins with a tiny icon of a lock and includes “https.” That combination signals a site is secure. If you don’t see that lock or the “s” after “http,” the webpage may not be safe. Entering credit card information on a site like this can put you at risk for fraud or theft.

4. Use a Credit Card, Not a Debit Card

If you shop online using a debit card instead of a credit card, a thief can drain your checking or savings account before you realize anything is wrong. If the vendor you buy from isn’t legitimate, the credit card company will be able to protect you. While your bank probably can too, it usually takes longer. Money in your accounts might not be available while the matter is under investigation.

5. Monitor Monthly Statements

Lastly, review account charges and debits every month. The more often you review your accounts the better. Make sure the charges listed are for purchases you made and that you are credited for any returns.

What To Do if You Get Scammed Online Shopping

If you or someone you know becomes a victim of an online scam there are resources available. The Federal Trade Commission offers tips like reporting the crime to your bank, having the U.S. post office intercept a postal package, report an identity theft, and more.

At Five Star Senior Living, residents are protected with secure communities, skilled team members, and engaging programs that offer assistance on how to recognize online scams. Find a community near you today.

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