Mar 21, 2011 at 11:00 AM
The term senior living refers to living options that are specific to seniors. This can mean property that is senior friendly in design, or it can refer to property that is restricted as to who is allowed to live there. Retirement communities often are limited to those ages 55 and over. All residents are expected to be retirees, though Social Security benefits do not become available until age 62 at the earliest. Senior independent living is one option for seniors. Those that are not in good health can not use this option. A senior should not contemplate independent living if they are unable to:
For those that need help with daily tasks, assisted living facilities fill in the gaps between at home and skilled nursing facilities. When a senior only needs help with personal care, not health care, assisted living facilities are the best option.
Different senior living options carry vastly different price tags. Retirement communities are priced based on the location. Real estate prices are always driven by the location of the property. Assisted living facilities start at $2,000 per month. If a doctor certifies the necessity of an assisted living option for a senior, some of the costs may be paid for by Medicaid. Medicaid can only pay for personal care under very specific conditions, so you may or may not qualify. Long-term care insurance may also help cover the costs of assisted living. If you are concerned about your financial situation, long-term care insurance can be a good investment into your future comfort.
Finding senior Living in Oregon is not difficult, but choosing a specific option can be. With all of the different facilities available, you should be sure to talk with current residents about their experiences before making a final decision.