Common Terms In The World Of Eldercare
If you or a loved one is thinking about moving into some type of eldercare facility, this can be a confusing world to navigate. There are all sorts of commonly used phrases and terms to describe different types of facilities and benefits that you need to learn about before you dive into the sea of eldercare. Here is some helpful information that can make it all a bit easier.
There are many types of care and they all seem to have at least half a dozen different names associated with them. For instance, one choice is assisted living. This also can be called an adult living facility, domiciliary care, sheltered housing or even a community based retirement facility. In general, these are communities that include private apartments for residents. The monthly fees vary on the size of your apartment, but services typically include full meal services, a host of activities, an exercise facility and some basic help with daily personal chores. Rarely is any type of medical care provided, and the monthly fees are not covered by any type of government assistance.
Another option, though smaller, is the board and care facilities which cater to only five to six people or maybe less. The typical board and care is found in private residential homes and rates often include meals, services for laundry and housekeeping as well as daily help for chores but residents have private bedrooms, not apartments. Another term for this type is boarding home, group home or residential care home. There are times when Supplemental Security Income as benefits can pay for the fees, a portion or all. Also, a Medicaid 1915-c waiver can be equated with costs when living in some of these facilities.
Supplemental Security Income (SSI) is a federal program that provides extra income for seniors with very low incomes. This income can help pay for basic needs such as food, shelter and clothing. Generally, this program is designated for the elderly or those who are disabled or blind. SSI might be used to pay for some board and care facility costs, but typically not nursing homes.
One more government program giving solutions for the seniors would be Medicaid. It is a social health care program, where seniors receiving benefits from SSI also gets enrolled and given health insurance. Medicaid and Medicare are different entities although they sound similar. Yes, Medicare provides insurance too however it is a trust fund paid for by those who work. Theoretically speaking it is like Social Security. Workers’ paychecks get deducted in order to pay for future Medicare costs. Not like Medicaid and SSI where in order to help the poor, disabled, aged and those with the inability to work given valid reasons are helped using the general tax dollars.
One living in skilled nursing facilities can make use of Medicaid. It may present a good option for the older adults unable to live on their own but at the same time can’t afford having in-home care, be in assisted living or board and care homes. One can use Medicare in paying for medical expenses in nursing homes however residential costs for those living there without the need for medical care can’t be covered. The common name for these facilities is nursing homes. Those with small incomes can opt for Veteran’s homes, though obviously these are only open for veterans and spouses. Care you can avail of range from assisted living, independent living or full skilled nursing care.
When selecting an option for eldercare anywhere in Orange or San Diego counties, consider contacting Care Placement. They can help you figure out what type of care is best suited to your needs and what fits best into your budget. From there, they can provide a list of suitable facilities for you to visit and compare, helping you make the best possible decision for care services.
Rue Nichols likes reading about home health care blogs. For more information about the different type of eldercare options such as an assisted living Aliso Viejo facility or to find more about options for board and care Laguna Woods, please visit the CarePlacement.com site now.
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Common Terms In The World Of Eldercare
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