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Why Are Retirees Returning to Work?

<!–[CDATA[Why are so many of our nation’s retirees returning to work? If you’ve wondered what’s behind this trend, the answer is more complicated than you might think. Estimates show almost one in five adults over the age of sixty-five is employed. These adults have either delayed retirement or returned to work.

 

Researchers believe this trend will not just continue, but grow. While it’s easy to assume finances are the reason so many people of retirement age are still employed, older adults say there’s more to this lifestyle choice.

Reasons Seniors Continue to Work

Here are a few of the most common motivations behind a senior’s decision to stay employed:

  1. Avoid economic uncertainty: Financial fears are a leading reason seniors aren’t hanging up their briefcases. With stock market uncertainties, soaring health care prices, and fluctuating residential home prices, some older adults worry they will outlive their savings. Working, even on a consulting or part-time basis, gives them peace of mind.
  2. Launch a business: Another reason an older adult works when they could be enjoying retirement is because they started their own business. They may have put off their entrepreneurial dreams in exchange for a financially stable career while they raised a family. Retirement is finally their time to pursue this dream.
  3. Live a meaningful life: Sometimes a senior will retire from their lifelong career, kick back, and enjoy themselves. They finally have freedom to travel, reconnect with old passions, and pursue new hobbies. After a few years, however, they may become restless and bored. The desire to live meaningfully may lead them to work with a nonprofit agency. While the income is usually appreciated, the sense of purpose matters most.
  4. Help support loved ones: Another trend that keeps older adults working is helping support family members, especially grandchildren. Nearly 2.6 million adults are raising their grandkids, nearly double the rate from past decades. The expenses this creates, including food, clothing, and education, may force a senior to remain in the workforce much longer than they intended.

Whatever the reason an older adult has for continuing to work, there is another benefit to consider. Research shows seniors who work longer live longer.

Senior Volunteers Enjoy Better Quality of Life

Another way to live your best life during retirement is volunteering. Sharing your time and talent with others has proven health benefits for older adults. They range from lower rates of depression to decreased risk for illnesses like heart disease and obesity. Read 3 Tips to Connect with Meaningful Volunteer Work During Retirement to find a nonprofit agency seeking volunteers near you.

If you have questions about senior living or would like to schedule a private tour of a Five Star Senior Living community, please call (853) 457-8271. One of our experienced team members will be happy to help!

Home Emergency Planning for Seniors

The weather in the Hoosier state can be unpredictable. In just a few hours, the day can go from hot and humid to cool and stormy. This can lead to emergency situations such as tornados and flooding. Because seniors are more likely to live with health conditions, planning ahead for an emergency is important. We thought it would help if we shared a few tips caregivers in Indiana can use to get started.

Creating a Home Emergency Kit for an Indiana Senior

Putting together a home emergency kit is the best way to prepare for a disaster. The experts from the Federal Emergency Management Agency (FEMA) recommend that your kit include:

  • A three to five day supply of non-perishable foods and a manual can opener you can use to open the cans in the event the electricity is out.
  • One gallon of water for each person living in the home.
  • Several flashlights with extra batteries.
  • A hand crank weather radio or one that is battery operated with an extra set of batteries.
  • Personal care products and a change of clothes (a sweat suit may be best).
  • A first aid kit and a whistle or horn to call for help.
  • A supply of paper plates, plastic cups, plastic silverware and napkins.
  • Food and water for the senior’s pets.
  • A bucket stocked with cleaning supplies including bleach wipes, disinfectant, paper towels, rags, rubber gloves and a mask to cover the mouth and nose.
  • One to two week’s supply of all prescription and over-the-counter medications. You will need to restock this as prescriptions and dosages change.
  • Copies of medical information and important documents sealed in a waterproof container. (You may be able to store some of this information on your smart phone but you want to be prepared in case the power is out for several days.)
  • Blankets, pillows, folding chairs, and a cot to sleep on.
  • A small, easy-to-use fire extinguisher.

Store the home emergency kit in the area your senior loved one is most likely to go in the event of an emergency. In most cases, it will be the basement of the home or an interior bathroom or closet.

To learn more, please visit Be Informed, a resource center developed by the Department of Homeland Security in conjunction with the Federal Emergency Management Agency.

Act 2: Careers for Retirees

But today’s retirees are not only working longer, many are pursuing whole new full-time careers after retirement.

Baby Boomers: Fastest Growing Segment of the Workforce

According to the Bureau of Labor Statistics, men and women over the age of 65 will represent the fastest growing segment of the workforce in the coming decade.

The BLS predicts labor force participation among 65- to 74-year-olds will reach 32 percent by 2022, up from 20 percent in 2002. And 11 percent of people age 75+ will work in 2022, more than double the 2002 numbers.

Careers After Retirement

Many of these working baby boomers won’t take on part-time jobs just to fill the time. They will begin full-fledged second careers. Or at least consider off-shoots of their former jobs.

Take Doris McGhee Collins, profiled by AARP. She retired as a human resources executive at a financial services company at 63, but soon went on to found her own HR consulting firm. At age 70, she is working as a full-time HR director at a charter school consortium. The children and the environment inspire her.

Perks of Second Careers

Many retirees like the flexibility that comes from working when they don’t need to for strictly financial reasons.

Older workers may choose to telecommute, have a shorter work-week, or choose work where they feel they can make a difference in the world.

Staying in a Related Field after Retirement

Some retirees choose to remain in their own field, especially if they worked in a highly skilled area that was not too physical demanding. They might leave their current job, though, and move into the non-profit sector. Or find a job related to their skillset but more inspiring, as Collins did.

Doctors, lawyers, accountants, and entrepreneurs with great flexibility in their working hours might stay in their careers decades after others have retired.

Best Second Careers for Retirees

For those who shift to a completely new field, what kinds of careers are retirees taking on?

Jobs in sales, market and survey research, non-profit fundraising, consulting, or even business coaching might be good fits for retirees with a certain skillset. The Fiscal Times identified these jobs as some of the best-paying for retirees. Older adults with degrees in public relations, marketing, human resources or business may do very well in these fields.

These jobs, by their nature, may fill a retiree’s need to stay connected, socialize, and meet new people.

Seasonal Work for Retirees

Retirees who want the utmost in flexibility might choose seasonal work. For instance, they might get the training and certification to become a tax preparer.

Don’t laugh, but a number of male retirees are opting to don a beard and play Santa Claus around the holidays. This can be the perfect vocation if you’re looking to a little extra holiday cash while helping others feel “merry and bright.”

Retirees and the Gig Economy
With the rise of the gig-based economy, seniors can set their own hours and earn extra cash as drivers, graphic designers, house-sitters, or dog walkers on a part-time basis.

Five Star Senior Living communities offer a number of adult education courses for residents, which could lead to a fulfilling second career after retirement.
The bottom line is that retirement doesn’t mean the end of the line for older adults who enjoy working. It can be a time to pursue a passion you’ve always dreamed of.

Tips for Getting Comfortable Visiting a Senior Living Community

health risks associated with isolation, a strong social network can help older adults cope with age-related changes. One of which is a move to a senior living community.
 
The best gift you can give to a senior who moves to an assisted living facility is the gift of spending quality time with them, especially in the early days after their move. This emotional support helps them continue to feel connected to their social network and the community. 
 
But some friends and family may feel uncertain about making a visit. Many people have never visited a senior living community and simply aren’t sure what to expect.
 
Breaking Senior Living Stereotypes
 
Once a family member or friend is settled in to their new home, they may be eager to catch up and show visitors around. So it’s important to find ways to overcome any uncertainties and apprehensions that may prevent you and others you know from visiting.
 
The first step to becoming more comfortable with the environment at a senior living community is recognizing that many of the stereotypes associated with them just aren’t true.
 
Contrary to popular belief, the majority of seniors moving to senior living aren’t bedridden or depressed. In fact, most residents in senior living communities are active and engaged with life despite whatever physical limitations they may be living with. They enjoy the opportunities they have to participate in activities that inspire emotional, physical and intellectual growth.
 
Ways to Get Involved in a Loved One’s Senior Living Community
 
Here are a few ways you can overcome your own fears and show your senior loved one how much you care:

  • Plan a housewarming party: By helping your loved one celebrate their move into senior living, you are showing them that you are making an effort to understand their new life.  It might not seem like much, but it can make a big difference in getting off to a good start. Celebrating with friends and family can ease the transition for everyone.
  • Talk to someone in your support system: It is important to understand that it might be tough for you to cope with this change, too. Talking with people who are familiar with your experience and are able to listen can provide a sense of understanding. You can also enlist the help of a religious counselor or therapist if you feel as though you cannot work through your feelings on your own. An online caregiver support group is another solution. Remember, there is no shame in asking for help!
  • Plan activities you can do together: Some families find it helps to create a list of activities they can do when visiting their loved one. From working on arts and crafts projects to enjoying old movies, it makes it easier to spend meaningful time together.

Additional Resources
If you’d like continue learning about senior living, we invite you to subscribe to our Indiana Senior Living blog. You’ll have a variety of resources for both seniors and family caregivers delivered straight to your inbox!

How Divorce in Later Life May Impact Retirement

When the current generation of seniors was growing up, only 2.8% of Americans over the age of 50 were divorced. Expected lifespans were shorter and people stayed in their marriages longer. Since then, however, increased longevity has been proven to lead to a higher divorce rate. While divorce on the whole has declined in the last decade, for couples over the age of 50 the divorce rate is climbing.

A study conducted at the National Center for Family & Marriage Research at Bowling Green State University showed the divorce rate for older couples has doubled since 1990. Instead of custody battles and child support, these divorcees face questions of financial stability in retirement. After attorneys, financial planners and taxes, divorce costs can cripple retirement plans.

Sociologists have labeled this group “gray divorcees,” and their concerns are unique. Many women of the Baby Boomer generation dedicated themselves to their husbands’ careers. A fair divorce settlement for these stay-at-home Moms is the only way to secure a retirement.

Divorce in Later Life: What Indiana Seniors Should Know

Experts suggest hiring a financial planner before seeking counsel from a divorce lawyer. Remember, dividing these assets between two people can mean less money for each after they’re taxed. It’s important to know what you have going in.

Senior couples who get divorced must navigate tricky retirement obstacles. A lengthy period of jointly accumulating assets causes messy financial separations. Older adults getting divorced face the loss of their Social Security, pension plans and IRAs.

  • Pensions and Divorce

    In today’s workforce, pensions are on the verge of extinction. However, many of those currently considering retirement are fortunate enough to own one. You may choose to start by assessing its value.

    Pensions are valued through a process called, actuarial analysis. Typically this is done when a portion is earned before marriage. After an analysis, the couple can determine to what portion the non-participant has access. Or they are split by an agreed upon ratio.

  • Other Savings & Investment Accounts

    Balances on IRAs and 401(k) accounts are a bit different. These are based on the accrual of assets that fluctuate in value. Your 401(k) may be worth “X” amount of dollars at the time of the agreement and “Y” by the time it is harvested.

Finally, if you pay into Social Security, your spouse likely has a claim to those benefits. A marriage lasting ten years or more avails spouses to one another’s benefits. If your marriage falls short by even a few months, you do not qualify.

Tips For Selling A Seniors Home

<!–[CDATA[Once you’ve decided to sell a senior’s home, you may want to consider doing more than just tidying up and making small repairs. According to a 2015 report by the National Association of Realtors, “thirty-seven percent of sellers’ agents believe that staging a home increases the dollar value buyers are willing to offer by up to five percent.”

Home staging has become increasingly popular over the past decade. Both realtors and sellers are convinced that it not only will help your home sell for more money, but sell faster as well.
 
If you’re not sure how to start the staging process, here are a few tips to help.

Pick the Most Important Rooms to Stage
 
The goal of staging a home is to allow buyers to envision themselves living there. Before you start feeling overwhelmed about having to redecorate the whole house, the
National Association of Realtors ranked rooms in order of importance for staging:

  1. Living Room
  2. Kitchen
  3. Master Bedroom
  4. Dining Room
  5. Bathroom
  6. Children’s Rooms
  7. Guest Rooms

Don’t feel as though you have to tackle ALL of these rooms either. If time or money is an issue, it is best to tackle the three most important rooms.
 
Lighten Up
 
Lighting plays an important role in presentation when anything is on display, including a home. Natural light can have a positive effect on a home buyer.
 
Be sure to clean the inside and outside of all windows and keep the shades or drapes open for showings. If natural lighting isn’t an option for certain spaces, invest in bright table lamps and floor lamps. Just be sure to leave the lights on for showings!
 
Get Rid of Clutter
 
This tip rings true for the entire house. Essentially, you should have most of your personal items boxed up and out of sight before you host showings in your home.
 
Make sure to keep all personal photographs and keepsakes out of sight. This will further aid in allowing the potential buyer to envision themselves living in your home.
 
Also, clear the closets of any clutter. Just be sure to leave a few items hanging to make the closets look clean and large.
 
Neutral Colors
 
Staging doesn’t necessarily have to involve painting the walls, although if paint is in poor shape, or chipping, it is highly recommended. If you do choose to paint the walls, be sure to pick neutral colors so as not to overwhelm potential buyers or turn them off from the home.
 
And if you are keeping existing furniture in the house, consider using neutral-colored slipcovers on chairs and couches to help keep it looking fresh and clean.
 
Choose Smart Accessories
 
Rugs and mirrors might not seem like a deal-breaker, but choosing the right ones can have a big impact on selling a senior’s home.
 
Professional home stager, Patti Stern, told the National Association of Realtors that she loves using rugs because “they can dress up any space. We sometimes even layer rugs over existing carpeting to play down flaws and update an all sea of beige carpeting. Rugs can anchor furniture and often better showcase hardwood floors.”
 
Natalie Gray is another professional home stager. Natalie recommends using mirrors to stage rooms because “they play many roles. They can make a space feel larger, increase light in a room, act as artwork to create a mood, and they can reflect a great view.”
 
Subscribe For More Tips
 
If you’d like additional information about selling a senior’s home–including tips for downsizing and why you should hire a Senior Move Manager–subscribe to our Indiana Senior Living blog. By becoming a subscriber, you can choose to have these helpful articles delivered straight to your inbox each week or month.
 

The Differences Between Independent Living and Assisted Living

Sometimes the search for senior living can leave an older adult and their family members questioning what type of community they really need. Is an Independent Living community, offering a wide variety of life enrichment programs and freedom from household chores, the best fit? Or does a loved one need the added support and care for activities of daily living (ADLs) provided by an Assisted Living community?

Although some senior living communities, including Five Star, offer both popular types of senior housing in one location, it can help to understand how they differ in meeting the unique needs of aging adults at different stages of life. Here’s a closer look.

What is Assisted Living?

Assisted Living refers to a community for older adults who need a little extra help with activities of daily living to live their most independent life. This help may include:

  • Support with personal care needs, such as bathing, grooming and dressing
  • Medication reminders—coordination and supervision
  • Nutritious meals and healthy snacks, including the ability to accommodate special diets like low-salt, gluten-free and diabetes-related
  • Help with toileting and continence care
  • Housekeeping, laundry, trash removal and maintenance

Assisted Living Is Not a Nursing Home

Equally important is understanding what Assisted Living is not: It is not a skilled nursing facility, also known as a nursing care center or nursing home. Nursing home residents usually have more complex medical needs. This generally means they require skilled care delivered by nurses, physical therapists and other medical professionals.

Some Assisted Living communities do offer the option to add additional services as needed. Within a Five Star community, you can scale Assisted Living services up or down as you or your loved one’s needs change.

Another type of Assisted Living community is called Memory Care. Memory Care communities support people with Alzheimer’s disease and other forms of dementia. As with Assisted Living, Memory Care is not a nursing home; however, caregivers have undergone specialized training and there are targeted programs for residents, such as Five Star’s Bridge to Rediscovery.

Assisted Living Amenities

Assisted Living communities often provide transportation for residents to visit local attractions or to go shopping. The best Assisted Living communities also provide residents with a variety of educational, social and wellness programs, included as part of the monthly fee. Games, movie nights and exercise programs can be part of everyday life—just as they are in Independent Living communities.

What is Independent Living?

Independent Living communities, sometimes called retirement villages, are communities open to senior residents only. They are often a good fit for older adults seeking freedom from the burdens of homeownership. Because housekeeping tasks and maintenance chores are handled by team members, residents have more time to fully enjoy their retirement.

An Independent Living community nurtures an older adult’s interests and hobbies. These often include hosting travel groups, life-enrichment activities, continuing education classes and wellness programs. Many Independent Living residents spend time volunteering in the community or for area nonprofit organizations.

Independent Senior Living Amenities

Like Assisted Living, Independent Living communities typically provide a number of amenities and services for one monthly fee. For instance, electricity, climate control, television, phone and Internet access costs might all be included as part of the rental fee.

Some Independent Living communities, such as those within the Five Star family, provide many extras for residents. These includes housekeeping, laundry, on-site dining, and transportation as part of the monthly fee. Our Independent Living communities also provide the option of adding Assisted Living services as needed. All of this makes an Independent Living community a simple and cost-effective senior housing solution.

Comparing Independent Living and Assisted Living Communities

In short, an Assisted Living community may be the best choice if you or your loved one needs some help with daily activities but not continuous medical care or supervision. An Independent Living community may be best for those who don’t need extra help but are ready to move on from home ownership. Whether Assisted or Independent Living is the right solution for you or a family member, Five Star offers activities tailored to individual interests and ability levels—everything one could want to maintain a vibrant and healthy lifestyle.

Learn More About Senior Living Options

To learn more, visit our Senior Living Options page. You’ll find additional information and resources to help determine what type of senior living best suits your needs. Meanwhile, why not learn which Five Star community options are near you?

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Exploring Vacation Adventures for Older Adults

Retirement is a season of life people look forward to for years. For many, travel is part of their retirement plan. If you are a senior looking for new travel adventures, we have some ideas you might find useful.

7 Travel Ideas for Older Adults

  1. Visit the US National Parks: From Florida’s Everglades to the forests of Denali Park in Alaska, our National Park System has much to offer. Older adults can purchase a Lifetime pass for just $80. With this pass, you can visit more than 2,000 federal recreation sites without paying for entrance, amenity fees, or day use fees for some of those in your vehicle 
  2. Plan a hobby or theme vacation: If you’ve always wanted to write a novel, learn to paint, or tackle another new hobby, a vacation getaway might be the perfect opportunity. Themed travel packages have recently become popular. They’re geared towards a variety of topics ranging from photography to cooking.
  3. Drive the California coastline: Pacific Coast Highway, formally known as US Route 101, is one of the most spectacular drives in the country. It extends through California from north to south. You’ll cross the Golden Gate Bridge in San Francisco, pass the popular town of Santa Cruz, enjoy the beauty of Big Sur and Monterey, and so much more. It makes for the ultimate retirement road trip.
  4. Book a volunteer vacation: For a travel adventure with purpose, round up a few friends and plan a volunteer vacation. You’ll find both domestic and international opportunities. Discover Corps can help you find a trip that meets your interests and budget.
  5. Follow your family tree: With age often comes a desire to trace your roots and learn more about your family’s unique history. Retirement is an ideal time to dig deeper and learn more about where you came from. One way is to visit the towns and cities that shaped your family.
  6. Take a Road Scholar trip: This nonprofit organization hosts a variety of experiential learning opportunities for seniors. They offer 5,500 learning adventures in 150 countries and all 50 states. Topics range from cross-country skiing in Vermont to educational getaways about America’s earliest presidents. There are trips to meet every interest. Some are designed specifically for solo travelers and for grandparents traveling with grandchildren.
  7. Create a bucket list for travel: Many of us have a bucket list for things we’d like to do or accomplish. Why not create a bucket list of trips you’d like to take during retirement? That makes it easier to start researching and planning.

Life Enrichment at Five Star Senior Living

At Five Star Senior Living communities, residents enjoy opportunities to travel and grow every day. From local and regional outings to a full calendar of daily events and activities, our Lifestyle360 program is designed to nurture the body, mind, and spirit.

Contact the community nearest you to learn more!

Celebrating Older Americans Month

Older Americans are amazing! So amazing, in fact, they have an entire month dedicated to honoring their contributions to society. May is Older Americans Month and the theme for 2016 is “Blaze a Trail.”

This year’s theme is apropos because today more than ever, older Americans are serving as trailblazers for younger generations. Actress June Squibb was 84 years old when she won her first Academy Award for the film, Nebraska. Supreme Court Justice Ruth Bader Ginsberg took her seat as a Justice at the age of 60 and still serves today at the age of 83. Musician Rod Stewart is still touring at the age of 71.

Older Americans Month Started With JFK

In 1963, a meeting between President John F. Kennedy and the National Council of Senior Citizens started an important conversation about aging. At the time, only 17 million Americans were aged 65 or older and many of them were living in poverty. To put that in perspective, today’s older population is almost 45 million strong!

With few government programs in place to serve this growing population, the National Council of Senior Citizens urged the President to shine a spotlight on the plight of older Americans and to develop programs to support them as they aged. President Kennedy agreed and signed a Proclamation acknowledging the month of May as Senior Citizens Month. This later became Older Americans Month when Jimmy Carter took office. Since 1963, every President has ordered a yearly Proclamation that promotes Older Americans Month and encourages the rest of the nation to honor the older people in their communities.

A Tradition Starts a Movement

As a result of President Kennedy’s 1963 Proclamation, Congress passed the Older Americans Act in 1965. The new bill dealt with the lack of community services available for older Americans and authorized federal grants to be given to each state for social services, research and development, and training experts in the field of aging.

Programs you have come to count on in Indiana, such as meals-on-wheels, in-home services, free transportation for the elderly and elder abuse prevention were all byproducts of the Older Americans Act.

In addition, the U.S. Administration on Aging was established as a central government agency to oversee all the new programs that had been developed.

Our Lifestyle360 approach to wellness embodies those ideals that started back in 1963.

Themes Make Older Americans Special

President Jimmy Carter decided to take Older Americans Month to the next level by adding a theme for the month. Starting with “Older Americans and the Family” in 1978, the idea of themes stuck and have become increasingly progressive over the years.

Under President Reagan in 1985, the theme was “Help Yourself to Independence,” and under President Clinton in 1994, the theme was “Aging: An Experience of a Lifetime.” President George W. Bush chose “What We Do Makes a Difference” for Older Americans Month in 2003 and in 2012, President Obama announced a fun-loving theme, “Never Too Old to Play.”

This year’s theme, Blaze a Trail, is a nice reminder that older Americans are a valuable asset to our community, including here in Indiana. They really do blaze a trail for the rest of us, inspiring us to chase our dreams and live our best lives.

Join us in saluting and honoring older adults throughout the month of May!

Senior Wellness: Meal Planning for One

Menu planning and meal preparation for one is often viewed as too much work, especially among seniors. It is easier, and often less expensive, to pop a frozen dinner in the microwave or make a quick trip to a fast food restaurant.

Unfortunately, these options tend to be less than healthy. Even those that are labeled as “lean” or “reduced sodium” still tend to exceed the recommendations for fat and sodium content that most experts suggest.

If you are a single, older adult trying to eat a well-balanced diet, we have a few ideas you might find helpful.

5 Tips for Eating Well When You Are a Single Senior

Here are tips for planning and preparing healthy meals for one:

1. Planning

Create menus that you can rotate through every week or month. Make a separate list for the grocery items you need for each meal. This makes it easier to check the freezer and pantry and identify what items you have and what you will need to purchase. Sites like Plan to Eat and Mealime make meal planning easier.

2. Meal prep

Consider preparing your ingredients and your meals ahead of time. Cooking in batches and freezing entrees is something you can do once or twice a month. Be sure to keep a list of what meals you have in the freezer and update it each time you add or use something. Designating a few hours to prep the fresh foods you will consume during the week is another idea. Slice fresh veggies and fruit, and prepare a salad. Make a batch of smoothies to freeze. This approach can make mealtime healthy and fast.

3. Meal services

Another idea to consider is a home delivery meal service. Some companies send ingredients, already chopped and ready to cook, right to your door. Others send precooked, healthy meals you only need to reheat before serving. Several of these services can even accommodate special diets. A few to explore include Silver Cuisine and Sun Basket.

4. Home delivered groceries

For some seniors, a major drawback to cooking is finding transportation to and from the grocery store. Fortunately, there are more grocery delivery options than ever before. National chains like Kroger, Target, Safeway, and ALDI deliver in many communities. Many local grocery stores are starting to offer these services for a minimal fee. If yours isn’t one, alternatives to explore include Instacart and Shipt.

5. Other options

Take time to explore other possibilities in your local community. Many senior centers serve a well-balanced lunch for members each day, usually at a nominal fee. Most cities or counties have Meals on Wheels programs. These are typically designed under the direction of a nutritionist. Fees are charged on a sliding scale based on income.

If you are just plain tired of grocery shopping, cooking, and maintaining a home, you might want to consider moving to an independent living community. These maintenance-free lifestyle communities give you more time to enjoy your retirement. Contact us to schedule a tour of a Five Star independent living community near you!

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