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Category: Planning for Your Family

Senior Living for Couples FAQs

 September 13, 2024

What do you think of when you hear “senior living”? If you picture a vibrant, active community, you’re on the right track! Senior living today is all about opportunities for couples to enjoy their time together in a supportive and enriching environment.

Imagine a place where you and your partner can continue your journey, filled with care, companionship, and new experiences. Senior living isn’t just for individuals – it’s a perfect setting for couples to thrive and make the most of this exciting chapter of life. You and your partner can rediscover common interests and enjoy doing the things you love side-by-side.

Whether you’re exploring options for yourself or loved ones, our FAQs are here to answer all your questions:

Q: How do I know if it’s time for my spouse and I to consider senior living?

Answer: Recognizing the right time to move to senior living is a deeply personal decision. If you’re unsure, here are some signs that may help guide your choice:

When keeping up with daily chores and home maintenance feels overwhelming. When tasks like cooking, cleaning, or getting dressed become more difficult. When mobility issues arise, or there are frequent falls. When memory concerns surface, or regular medical care becomes necessary.

For more advice on determining if you’re ready for senior living, explore our resources on Where to Begin.

Q: Can couples stay together in senior living?

Answer: Yes! Couples can absolutely stay together in senior living. Just because you are in senior living does not mean you have to be away from your spouse; you can live together! Couples in senior living can live a beautiful life while receiving help with needed care, all without having to sacrifice their relationship.

Q: Can we have a private apartment, or will we need to share with others?

Answer: Most spouses in senior living can enjoy private apartments, townhouses, or suites. These private residences provide you with the amenities, care, or support you require without compromising your privacy. However, you can still enjoy all the perks of the community, such as communal dining, shared outdoor spaces, or pre-planned social gatherings, all while living quietly in your own slice of paradise.

Whether you prefer a cozy studio, 2 bedroom apartment, or a more spacious stand-alone cottage, there’s a senior living community with the perfect housing option for you and your partner.

Find a Five Star Senior Living community near you to explore available floor plans.

Q: What happens if one of us needs more care than the other?

Answer: Many senior living communities are designed to allow you to stay with your partner even when you require different levels of care. Senior living communities are well equipped to manage varying needs within the same community. They can easily cater to one spouse’s need for greater support, typically in the form of assisted living or memory care, while allowing the other spouse to continue living independently. Additionally, couples in senior living can enjoy shared meals, activities, and community events and spaces without compromising on health care.

Q: What if my or my spouse’s care needs change over time?

Answer: Senior living communities understand that care is not a static thing. It changes over time as life changes.This is why many senior living communities offer a continuum of care.

For example, many Five Star Senior Living communities offer living options such as: independent living, assisted living, memory care, and rehabilitation services, meaning that even if you or your spouse’s needs change over time, they can often stay put.

Q: How do I discuss the idea of senior living with my spouse?

Answer: Whether you’re trying to convince your partner or exploring senior living options for your parents, these tips can help you start the conversation:

Begin by discussing any challenges you’re facing in your current home, such as the growing demands on family members, increased care needs, or feelings of loneliness and isolation.

Gradually introduce the idea by visiting senior living communities together. Explore the amenities, talk to residents for first-hand insights, and get a clear understanding of the costs.

Once you’ve gathered this information, you can have a more in-depth conversation about future plans. Consider questions like: What are the benefits of senior living? Is aging in place still a realistic option?

As with all discussions about big life changes, talk from a place of empathy and love.

Q: What steps should I take to move forward with senior living?

Answer: Once you’ve made the decision to move to senior living, the next step is finding a community that truly feels like home for both you and your partner. With over 135 communities across 28 states, Five Star Senior Living offers a wide range of options to suit your needs.

Beyond our convenient locations, we’re deeply committed to providing exceptional care that allows couples to fully embrace and enjoy their golden years together. True to our name, our services are designed to meet five-star standards. With a focus on both senior living and hospitality, we prioritize our residents and continuously seek new ways to enhance their lives.

Learn how one couple continues to celebrate a lifetime of love at one of our Five Star Senior Living communities.

Ready to explore how senior living can enhance your life as a couple? Contact us today to get started.

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Memory Care vs Home Care: A Comparison

 August 27, 2024

Caring for a loved one with dementia or Alzheimer’s disease comes with many challenges and tough decisions. One of the first choices families face is whether to opt for memory care or home care. Both options can be essential, but they cater to different needs at different stages.

In This Article

What is Memory Care?

Memory care is a personal approach to care for individuals with Alzheimer’s disease, dementia, or other cognitive impairments, typically found in dedicated memory care communities, like Five Star Seniors Living. These communities provide a secure environment, address unique needs, and offer 24/7 support to keep residents safe.

Memory care-specific services also provide memory activities, such as games, music therapy, art classes, and physical exercise, to stimulate cognitive functions and improve life quality. Five Star Seniors Living’s Bridge to Rediscovery is an award-winning memory care program promoting a sense of security, fullness, and belonging.

What is Home Care?

Home care is a flexible and comforting approach to providing care for patients with Alzheimer’s or dementia. It includes personal care, medication management, and companionship. Home care aides assist with tasks like bathing, dressing, haircuts, and household chores like cooking and cleaning.

This approach helps seniors with dementia stay at home during the early stages of the disease, providing comfort and confidence. However, as the disease progresses, it will be more challenging to provide safe and adequate around-the-clock care at home.

Key Differences Between Memory Care and Home Care

It’s crucial to comprehend the main distinctions between memory care and home care before deciding.

Environment

Memory care is a structured living setting where people with dementia receive care. These communities are secure, with controlled access to prevent wandering. On the other hand, home care allows the person to stay in their familiar home environment, which can be comforting but may not be as safe as a memory care community.

Level of Care

Memory care facilities specialize in working with cognitive impairments. They provide professional and targeted memory care services and programs. Home care offers general care services tailored to the individual. However, it may not meet the higher demands of specialized care that memory care commutes and programs provide.

Social Interaction

Memory care communities can provide a socializing environment, resulting in group activities and communal living. For people with dementia, the programs’ social life component can help out significantly.

A recent study found that social interaction helps individuals with dementia maintain their mood and reduce agitation. This, in turn, improves their overall well-being. Nevertheless, people living alone in their homes may particularly feel isolated and / or lonely.

Cost

The cost of memory care is typically one flat monthly payment that covers all the needed specialized care plus housing, meals, etc. Conversely, home care would be just one of the many monthly costs of keeping a loved one in their home or yours. Additional expenses can include rent or mortgage payments, meals, home and yard maintenance, and more.

Pros and Cons of Memory Care and Home Care

Memory Care

Home Care
Specialized Care Memory care communities have qualified dementia caregivers who provide individualized care programs that effectively address cognitive impairments. Home care services offer personalization, but often lack the specialized training that memory care communities provide.
Safety and Security Memory care facilities prevent wandering and ensure the safety of residents with 24/7 supervision. Home care can be less secure, especially if the home fails to accommodate the needs of someone with dementia.
Social Engagement Memory care communities offer structured activities and social interaction, which can improve mood and reduce symptoms like agitation. Home care can be isolating, mainly if the person lives alone, leading to fewer opportunities for socialization.
Comfort and Familiarity Moving to a memory care facility can require adjusting as residents adapt to a new environment. The individual remains in their familiar home, which can be comforting and reduce anxiety.
Flexibility Memory care communities have set routines, which can benefit some but may lack flexibility. Home care offers more flexibility, allowing tailored schedules to meet the individual’s preferences.
Family Involvement Families can participate in care planning but may have less day-to-day involvement in a memory care setting. Home care allows for greater family involvement, with family members often playing a vital role in the care process.

Factors to Consider When Choosing Between Memory Care and Home Care

When deciding between memory care and home care, consider the following factors:

Stage of Dementia/Alzheimer’s

The severity of the disease will significantly impact the type of care needed. At the beginning of the illness, home care may be enough. However, as the condition worsens dedicated-memory care will be needed to ensure the safety and well-being of your loved one.

Family Support

Family support must be a deal-breaker (family support is a necessity). Is the family willing or able to step up and do their part of the care? If not, a memory care community can be a great option.

Cost and Financial Resources

The costs of home care and memory care can vary, so it’s important to research and determine what options are available and feasible for you and your loved one. While home care may seem like the less expensive option at first glance, it’s crucial to consider other monthly bills, potential home adjustments, and the possibility of needing more caregivers over time.

Personal Preferences

Some individuals like to stay at home and enjoy their solitude, while others may thrive from the structured and social environment of a memory care community. Personal preferences should be weighed in the decision but shouldn’t necessarily outweigh health and safety concerns.

Memory Care at Five Star Senior Living

When considering memory care, Five Star Senior Living stands out as a top choice. Our Bridge to Rediscovery program, which uses a Montessori approach to dementia care, is designed to create meaningful and joyful moments for residents. This program has helped establish Five Star Senior Living as a trusted provider for individuals with dementia and their families.

If you’re interested in learning more, contact us or schedule a tour of one of our senior living memory care communities. Our team is dedicated to ensuring your loved one is safe, engaged, and well-cared for in a supportive environment.

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The Role of Community in Successful Aging

 July 22, 2024

Everyone gets older, but the question is, how can we do it well? Successful aging involves maintaining physical health, cognitive function, and active engagement in life. One integral part of this process is having a supportive community. While community can broadly refer to any group that offers support and connection, senior living communities are particularly effective in promoting successful aging.

This article will explore how community involvement, particularly within senior living communities, contributes to successful aging.

Table of Contents

What is Successful Aging?

Successful aging is a holistic concept that encompasses various aspects of well-being. According to the National Library of Medicine, it includes maintaining physical health, cognitive function, and active engagement in life. The goal is to age in a way that minimizes illness and maximizes quality of life, staying physically active, mentally sharp, and socially connected. Let’s break down these components further.

Physical Health

Maintaining physical health is crucial for successful aging. This involves regular exercise, proper nutrition, adequate rest, and preventative healthcare. Physical health allows seniors to remain independent and active, improving overall life satisfaction.

Cognitive Function

Cognitive function refers to thinking, learning new things, and remembering information. Maintaining mental health is essential to successful aging and impacts daily activities, decision-making, and overall quality of life. Engaging in activities that test the brain, such as puzzles, reading, and acquiring new skills, can help preserve cognitive function.

Active Engagement

Active engagement in life means participating in social, cultural, and recreational activities. This engagement keeps individuals connected to their communities, provides a sense of purpose, and enhances emotional well-being. Social connections and meaningful activities are fundamental to experiencing a fulfilling and enjoyable life.

Community and Successful Aging: 4 Key Benefits

A caring community plays a critical role in successful aging. Whether it’s a neighborhood group, a club, or a senior living community, being part of a community offers several benefits that contribute to a higher quality of life as we age. Here are four key benefits of community involvement for successful aging:

1. Emotional

Sense of Belonging and Purpose

Being part of a community provides a sense of belonging and purpose. It gives individuals roles and responsibilities, fostering a feeling of being needed and valued. This sense of purpose can be incredibly beneficial for emotional well-being. Activities such as volunteer work, club participation, and community service projects enhance this feeling of purpose.

Reduced Risk of Depression and Anxiety

Communities offer emotional support and companionship, which can reduce the risk of depression and anxiety. The shared experiences and collective activities help mitigate loneliness and provide emotional stability. Regular interaction with others and participation in community activities can drastically improve mental health and well-being.

2. Physical

Promotion of an Active Lifestyle Through Community Programs

Many communities promote an active lifestyle by offering fitness programs, group exercises, and recreational activities. These programs encourage regular physical activity, critical to maintaining physical health as we age. Exercise improves cardiovascular health, strengthens muscles, enhances balance and coordination, and boosts overall energy levels.

Access to Shared Resources Like Facilities, Fitness Groups, and Health Services

Communities often provide access to shared resources such as fitness facilities, swimming pools, and health services. These amenities make it easier for seniors to stay active and manage their health effectively. Convenient access to exercise equipment, well-being programs, and medical care supports a healthier lifestyle and improves physical well-being.

3. Intellectual

Intellectual Stimulation Through Community Activities

Communities often organize various intellectual stimulation activities, such as book clubs, educational classes, and cultural events. These activities keep the mind engaged and active, essential for cognitive health. Learning and challenging oneself intellectually helps preserve cognitive function and hold up the onset of dementia and other cognitive impairments.

Cognitive Health and Reduced Risk of Dementia Through Social Interactions

Regular social interactions and mental exercises have been shown to reduce the possibility of cognitive decline and dementia. Engaging with others in meaningful ways helps keep the brain active and healthy. Studies have found that seniors who are socially active and intellectually engaged are less likely to develop Alzheimer’s and other forms of dementia.

4. Community

Enhanced Social Networks and Reduced Loneliness

Strong social connections are vital for reducing loneliness and isolation, common issues among seniors. Being part of a community helps build and maintain these connections, providing a network of support and friendship. Engaging in community activities, such as group picnics, classes, and social events, helps foster these essential social bonds.

Importance of Social Support Systems

Social support systems are crucial for emotional health and overall well-being. They offer companionship, help in need, and a sense of belonging. Communities provide a structured environment where these support systems can flourish, significantly enhancing the quality of life. Research has shown that seniors with strong social networks live longer, healthier lives and are less likely to experience depression and anxiety.

Consider a Senior Living Community

A senior living community can meet all the above-mentioned needs, providing a supportive environment that promotes successful aging. These communities eliminate common barriers to these benefits by offering accessible facilities, transportation solutions, and various on-site services and activities.

Successfully Age with Five Star Senior Living

Not just any senior living community, but Five Star Senior Living can deliver on all the community benefits. Five Star Senior Living’s EPIC Living program is specifically designed to meet the needs of successful aging, focusing on the four dimensions of well-being: Emotional, Physical, Intellectual, and Community.

With over 130 communities in 28 states, finding a senior living community that suits your needs is easier than you think.

Choosing a Five Star Senior Living community ensures a supportive environment that enhances social connections, emotional well-being, cognitive health, and physical fitness, essential for successful aging. Residents benefit from engaging activities, personalized care, and a vibrant community atmosphere. The holistic approach ensures that all health aspects are addressed, promoting a higher quality of life.

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Moving to Independent Living: Key Talks with Adult Children

 July 10, 2024

Transitioning to an independent living community is a significant step for any senior. It promises more freedom, new social opportunities, and less daily responsibility, but it also requires essential conversations with adult children. These discussions can ensure a smooth transition and align everyone’s expectations and feelings about the move.

Table of Contents

Below, we’ll outline some crucial conversations to have with your adult children before, during, and after your move to an independent living community.

Why Independent Living? And Why Now?

The first conversation you need to have with your adult children is about your decision to move to an independent living community. It’s important to share your reasons and timing to ensure they understand your perspective.

Include Them in the Process

Inviting your children to participate in the decision-making process can help them feel involved and reassured. Consider asking them to join you on tours of potential communities or take them to the new place before the move. Their input can be valuable, and their support will likely be comforting during this significant life change.

Discussing the Benefits

Explain the benefits of independent living that appeal to you. Whether it’s the convenience of on-site amenities, the opportunities for social engagement, or the reduced burden of home maintenance, sharing these points can help your children see the positive aspects of your decision.

Addressing Concerns

Your children may have concerns about your well-being and the move’s impact on the family. Be prepared to address these worries by discussing the community’s safety features, the quality of care available, and how you’ll maintain family connections.

Where are you Going?

The location of your new home is another critical topic to discuss. Your move may affect your proximity to family, friends, and familiar places, so it’s crucial to consider these aspects.

Proximity to Family

Discuss whether your move will bring you closer to family or further away. If the new location means more opportunities to spend time with loved ones, highlight this benefit. Conversely, if it means more distance, discuss how you plan to stay in touch and maintain relationships.

Staying Connected to Your Community

If you stay close to your home, reassure your children that you’ll still be near your existing support network, including friends, church, and healthcare providers. If you’re moving farther away, discuss how you’ll build a new community and continue receiving the support you need.

Selling the House

The sale of your current home is another significant aspect of your transition to independent living. This can be a complex and emotional process, especially if it’s the family home.

Setting a Timeline

Create a clear timeline for selling the house and share it with your children. This helps everyone understand the steps and expected timeframe for each move phase.

Involving the Family

If any of your children are interested in buying the house or are currently living there, these factors need to be addressed early on. Discuss their intentions and how the sale will be handled. Additionally, if the house holds sentimental value, acknowledge these emotions and give your children time to process the change.

Clearing Out Stored Items

Use this opportunity to encourage your children to collect any belongings stored in the house. This can prove to be a trip down memory lane and a chance to reminisce, but it also helps clear the space for the next steps in the sale process and to downsize before the move.

Navigating Holidays & Traditions

Moving to an independent living community doesn’t mean giving up cherished family traditions. However, it may require some adjustments and new plans.

Preserving Traditions

Discuss which traditions you’d like to maintain. Whether hosting holiday dinners, family game nights, or annual gatherings, find ways to continue these critical events at your new home or another family member’s house.

Creating New Traditions

This move can also be an opportunity to start new traditions. For example, you could have holiday dinners at a nearby restaurant, plan family vacations, or explore new activities together. Embrace the change and look for ways to make it memorable for everyone.

Passing the Torch

If you’ve always been the one to host family gatherings, now might be the time to pass the torch to another family member. Discuss who will take over these responsibilities and how you can still be involved in the preparations and celebrations.

Managing Finances

Discussing financial aspects is essential, ensuring everyone understands the costs of independent living and how they will be managed.

Financial Planning

Share your financial plan for covering the costs of independent living. This includes discussing any savings, investments, or income sources that will be used. Transparency here can prevent misunderstandings and ensure your children know your financial stability.

Budgeting for the Future

Discuss how you’ll manage ongoing expenses, such as monthly fees for the community, healthcare costs, and personal spending. If you anticipate needing any financial assistance in the future, it’s important to communicate this early on.

Find an Independent Living Community Near You

As you approach this transition, finding an independent living community that meets your requirements and expectations is essential. Five Star Senior Living offers a variety of independent living communities across 28 states, ensuring you can find a location that’s perfect for you. Each of our communities is designed to provide a high quality of life with various amenities and services tailored to your needs.

Moving to an independent living community is a significant and exciting step. Having open and honest conversations with your adult children can ensure a smooth transition that respects everyone’s feelings and concerns. Discussing the reasons for your move, the logistics of selling your home, maintaining family traditions, and finding the right community are all essential topics. With these discussions, you can look forward to a new chapter filled with opportunities and supported by the love and understanding of your family.

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8 Things Adult Children Should Know about Assisted Living

 June 28, 2024

As your parents grow older and their need for assistance increases, it may be up to you to begin to explore options for their next stage in life. Your goal is to find a senior care solution that allows your parents to age with grace and live their best life. Unfortunately, wanting the best for your parents and knowing how to find it are two very different things.

For many seniors, an assisted living community offers the best of all worlds: independence, personal care, life enrichment, and around-the-clock support.

1. Assisted Living Communities Aren’t Nursing Homes

Some people have outdated ideas about senior housing. They often think an assisted living community is just a fancier version of a nursing home. In fact, assisted living communities are a completely different level of care. These communities are thoughtfully designed to meet the needs of older adults. The ultimate goal of an assisted living community is to provide residents with just the right amount of care and support to safely maintain their independence.

2. Residents Set Their Own Daily Schedules

One common fear shared by many when considering senior living is the potential loss of independence. However, contrary to this belief, residents living in assisted living communities have the advantages of privacy and control.

Your parents would have the freedom to plan how they will spend their days according to their preference and lifestyle. They would have the opportunity to engage in activities they enjoy at their own pace, which can include morning walks, having an evening tea, spending time with friends and family, or adopting a new hobby.

Plus, you do not have to worry about their well-being, as the professional caregivers are more than ready to offer assistance whenever needed.

3. Assisted Living Communities Each Have Their Own Personality

Once you begin exploring assisted living communities, you’ll quickly notice that each has its own distinct personality, reflecting the values, culture, and ambiance that make them special.

From the design of the living spaces to the variety of activities and amenities offered, every community offers a distinct experience tailored to the needs and preferences of its residents. Some may emphasize a vibrant, social atmosphere with frequent events and communal dining, while others might focus on providing a serene, homelike environment with plenty of opportunities for relaxation and personal reflection.

These differences are more than just about aesthetics and facilities; they shape the daily experience and culture of each community. Your goal should be to help your parents find one that looks and feels like a place they would be comfortable calling home.

Learn more about the Five Star Experience.

4. Features, Services, and Amenities Vary Widely

As mentioned above, every assisted living community has its own unique features, services, and amenities. Those little details can make a big difference in how your parents fit in the community.

Some communities may offer luxurious amenities, including state-of-the-art fitness centers, fine dining, and spa services, while others may emphasize the beauty of outdoor spaces with lush gardens, walking trails, and serene courtyards. Socially, some communities might boast a vibrant calendar filled with events, clubs, and group activities that encourage interaction and build strong bonds among residents. Transportation and concierge services also vary from community to community.

The key is to look for communities that have your preferred amenities and customized programs that can add comfort to the lives of your loved one.

5. Life Enrichment Programs Improve Quality of Life

Another common misconception about assisted living is that residents will have little to do and may experience boredom. This, however, is further from the truth. Many communities offer a wealth of life enrichment programs that can improve the quality of life for their residents. Your parents will get a chance to rediscover old passions and explore new interests.

At Five Star Senior Living, our assisted living communities offer the EPIC Living program that focuses on the four pillars of wellness: emotional, physical, intellectual, and community. Five Star residents can engage in a variety of activities designed to nurture the body, mind, and spirit. Some of the examples include:

  • Improvement of physical well-being through exercise classes, gardening, or yoga sessions.
  • Active engagement of mind is achieved by joining book clubs or engaging in stimulating puzzles.
  • Breaking the bounds of creativity by creating art or attending music classes.
  • Strengthen social connections and community bonds by participating in game nights, eating dinner in the community dining room with friends, or participating in a club or volunteer event to find new friends that share similar interests and passions
  • Nurture spiritual growth through religious services, meditation practices, or spiritual discussions

6. Pets are Often Welcome

We know how important four-legged family members are, which is why some assisted living communities, including most Five Star Senior Living communities, welcome pets.

However, pet policies can vary from one community to another. Be sure to talk with each community your parents might be considering to learn what restrictions, if any, they have regarding the type, breed, size, and weight of any pets that may also be making the move.

7. Assisted Living Costs

So, how much does assisted living cost? The short answer is that it varies based on a number of factors including location, accommodation type, amenities offered, and level of care required. However, generally speaking assisted living can be a cost-effective option compared to the potential expenses of living independently.

Unlike traditional at-home care, assisted living communities offer a comprehensive range of services for one monthly fee. This means you avoid multiple individual costs that can quickly add up, such as those for home health aides, meals, home modifications, transportation, and other essential care services.

8. Signs It’s Time to Consider Assisted Living

The most important thing to understand is when your parents need assisted living. Here are some signs it may be time:

  • Increased difficulty with daily living activities
  • Safety concerns like frequent falls or difficulty using stairs
  • Changes in nutritional intake can lead to weight loss or weight gain
  • Withdrawal from social activities or decreased interest in hobbies or relationships
  • Increased mood swings or anxiety
  • Struggling to manage household tasks, finances, or medication
  • Forgetting important information, events, or people
  • Difficulty making decisions or following basic instructions

If you notice a decline in your parent’s ability to perform daily tasks or manage their overall well-being, it is a sign to consider assisted living options.

Visit an Assisted Living Community Near You

With more than 130 communities across 28 states, there is likely a Five Star Senior Living community near you or your parents. Contact us today to learn more about the benefits of assisted living and to schedule a tour.

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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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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.

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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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