As a vital, active adult, you should be able to enjoy your home and your community and most importantly your independence. But chances are, you’re concerned about what tomorrow might bring. What if you or your spouse becomes ill or disabled? How would it affect your lifestyle? Your financial future? There are a few organizations across the country that offer a unique program called a Continuing Care at Home Program, or sometimes referred to as a Continuing Care Retirement Community without Walls. These organizations provide a lifetime of services, support and care to you in the comfort of your home. As a member of a program such as this, you will retain the independence you cherish. The program is designed to deliver the broadest range of services and support throughout your lifetime, to help you maintain your independence and remain at home. You will also enjoy the security of knowing that should your health status change, the services you may need should be accessible, affordable and of the highest quality.
A Continuing Care at Home Program is designed to provide a comprehensive array of care and services that balances your independence and security with the goal of keeping you in your own home. Individuals typically join a program such as this when they are healthy and want a plan in place for their future. An important aspect of a program such as this is having a personal advocate or care coordinator. This individual is usually a professional such as a nurse, social worker or personal fitness and wellness coach that works with you specifically to understand your medical history and care preferences. Your care coordinator should advocate for additional care when you are compromised and offer creative solutions for simple or complicated care needs. Additionally they should be able to arrange for any long-term care services you may need, acting as a point of contact for both professional providers and family members.
In conjunction with a care coordinator, typically an array of support services should be available to you such as maintenance services or home repair, housekeeping services, dietary services including meal preparation, emergency response systems, live in assistance and even wellness programs. All with the primary goal being to keep you happy, independent and in your own home. Wellness programming is an important component and should have a comprehensive focus and be integrated into the program. A holistic approach to wellness should provide you with goals and techniques to address physical, emotional, intellectual, vocational, spiritual, and social wellness all to help you to maintain optimal health.
When looking for a Continuing Care at Home Program, consider choosing an organization with a long history of senior service excellence offering a full compliment of services (including assisted living, skilled nursing, rehabilitation, and home care) as they will be better equipped with the tools and programs necessary to support your needs. Another primary benefit is that the organization should grant you priority access within their network of services, again giving you the care and services you need when you need them.
Sound too good to be true!? The good news is that its not, for a small up front investment and a monthly fee you can receive the services and support you desire while protecting your assets. Should you need any long term care services such as assisted living or skilled nursing you are protected and can access the service without additional cost. Membership fees and monthly fees are tax deductible as a medical expense (consult your CPA for medical expense deduction terms & criteria). A Continuing Care at Home Program is like having all of the resources of a retirement community at your fingertips and brought to you in your home. Usually organizations that offer such a program have eligibility requirements including a minimum age usually 60 with no maximum age, applicants should also live independently and within a service area, and agree to maintain their health insurance and lastly meet medical diagnostic criteria. If one of your goals is to remain independent and living in your own home throughout your years, this may be a program worth considering.
For more information, visit www.lifechoicesathome.org.