Tag Archives: aging in place

Assisted living or senior home care?

Courtesy Vista Springs Assisted Living

By Vista Springs Assisted Living


As we age, it can become difficult to maintain the quality of life we are used to without some form of assistance. But when it comes to senior care, it’s not always clear what living arrangement is best for an aging adult. With large numbers of Baby Boomers reaching retirement age every day, the options for senior care are becoming more rich and diverse. For some, the comfortable familiarity of senior home care is the number one priority, while others prefer the wealth of assistance options and provided senior activities of assisted living. Before you make your decision for yourself or a loved one, make sure you’re aware of the benefits and drawbacks of each care option.

Senior Home Care

Aging in place is an attractive choice for many seniors, but some daily activities such as driving, shopping, bathing, and housekeeping can require assistance. In-home care is one way to ensure reliable help for any tasks that may cause difficulty. An in-home caregiver can support seniors in keeping up with proper hygiene, exercise, and nutrition, as well as maintaining a clean and pleasant home environment. A caregiver can also be an excellent companion to a senior who chooses to age in place, as opportunities to socialize may be limited by mobility and availability of transportation.


However, senior home care services are all different and may charge additional fees for certain tasks or aren’t able to offer them at all. Since caregivers usually charge per hour of service, the cost of caring for a senior who needs help with many daily activities may become a burden for them and their families. Additionally, in-home caregivers usually cannot provide medical care, though they can assist with making and keeping appointments, and with medication reminders and administration.

Assisted Living

In assisted living, communities are created with autonomy for aging adults in mind. With routine and medical care always available, seniors are empowered to maintain their familiar and ideal lifestyles. Not only is independent living easy, such as cooking favorite meals or working on hobbies, but assisted living also provides opportunities for being social with comfortable community spaces and a variety of senior activities. Seniors in assisted living communities typically keep their own schedules — and with so many things to do, that’s no small task!


Seniors and their families may dismiss assisted living out of hand as being out of their budget, but the option is more affordable than many believe, especially when compared to the long-term costs of in-home care. Care, living space, meal options, and activities are all included in the cost of an assisted living arrangement, whereas seniors aging at home need to pay for each of these individually. Making the decision to move from a familiar home full of memories can be painful, but the opportunity to continue living life with vigor in an assisted living community, surrounded by friends and loved ones, can definitely make it worth the choice.


Ultimately, the decision between in-home care and assisted living can only be made by a senior and their loved ones. Depending on the level of care required, the ability of family members to provide assistance, and medical needs, one option may work better than the other. Understanding the benefits of each can help you make the best decision to help you or your aging loved one live life to the fullest. 


Reprinted with permission from Vista Springs Assisted Living.



Aging in place: Staying at home

Photo by Michigan State University Extension

By Brenda Long, Michigan State University Extension

 

Many older adults value a high quality of life that is directly tied to the ability to continue living independently. Independence depends on if the home continues to meet the older adult’s needs and whether they have a continued connection to daily services, based on a report by the Joint Center for Housing Studies of Harvard University — Projections and Implications for Housing a Growing Population: Older Households 2015-2035.  Let’s explore these decisions to help you devise a realistic strategy.

 

According to the Make the Most of Your Home’s Value lesson from the National Endowment for Financial Education (NEFE), there are some financial obligations to consider related to homeownership. Beyond any mortgage debt obligations, these include property taxes, homeowner’s insurance, utilities, homeowners association (HOA) fees, repairs and cost-of-living increases. Do you have adequate income and savings to cover these expenses? According to the U. S. Department of Housing and Urban Development (HUD), housing costs should be less than 31 percent of income to be affordable. However, an estimated 12 million renters and homeowners are cost burdened, paying more than 50 percent of their income on housing. It is recommended to pay off one’s mortgage before retirement, if possible. Also, it is critical to understand the income tax implications for annual deductions and home sale capital gains exclusion.

 

Other considerations are your values and lifestyle preferences. How do your priorities impact your decision to stay in your current housing or transition to a different situation? Think about these factors:

  • your social network
  • proximity to family, friends, and caregivers
  • access to transportation
  • weather/climate
  • closeness to health care services
  • mobility issues
  • family legacy and security
  • local income taxes and/or inheritance and estate taxes
  • whether or not your home can be modified
  • manageable home and yard maintenance

Programs from local and national organizations are available in Michigan to help repair single family homes. They include weatherization, repairs and improvements, and accessibility modifications to assist homeowners to stay in their homes.

 

Brad Neumann wrote a related article on housing and community development implications of aging in place in February 2017. Also read Beth Martinez’s article on the choice of downsizing to a rental from August 2017.

 

Consider attending our free Retirement Planning online workshops held several times each year. The September series registration is https://events.anr.msu.edu/RetirementSept18/. Financial planning takes time, patience, and discipline. Find more information about financial and housing decisions at MIMoneyHealth.org.

 

This article was published by Michigan State University Extension. For more information, visit http://www.msue.msu.edu. To have a digest of information delivered straight to your email inbox, visit http://www.msue.msu.edu/newsletters. To contact an expert in your area, visit http://expert.msue.msu.edu, or call 888-MSUE4MI (888-678-3464).

“Aging in Place” is the topic of the February Health Forum of West Michigan

Helping senior citizens “age in place” longer and successfully will be the topic of the February Health Forum of West Michigan held at Grand Valley’s Pew Grand Rapids Campus.

 

“Aging in Place” is set for Friday, Feb. 3, from 8-9:30 a.m. in the DeVos Center, 401 W. Fulton St. A light breakfast will begin at 7:30 a.m.

 

Panelists are Julie Alicki, social work consultant with West Michigan Area Agency on Aging, and Dementia Friendly Grand Rapids; Dr. Iris Boettcher, geriatrics, Spectrum Health Medical Group; Mina Breuker, CEO and president of Holland Home; and Richard Kline, senior deputy director of the State of Michigan Aging and Adult Services Agency. Rebecca Davis, professor of nursing, Kirkhof College of Nursing, will serve as moderator.

 

The event is free and open to the public; RSVP online at www.gvsu.edu/vphealth. Free parking is available in Grand Valley’s Seward Street lot.

 

Discussion will focus on area programs and resources that help seniors age in place, and the support that’s needed. Kline will discuss the state’s plan to provide services for this population.

 

For more information, visit www.gvsu.edu/vphealth.