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Your Guide to What is Offered in Assisted Living and Long-Term Care

Your Guide to What is Offered in Assisted Living and Long-Term Care

Your Guide to What is Offered in Assisted Living and Long-Term Care

Long-term care isn’t a topic most of us want to think about, and for good reason. Understanding the services available and their pros and cons can be complicated. Further, there is a good deal of confusion regarding the difference between assisted living and long-term care, often called nursing care.

Assisted living is a lifestyle that supports people’s independence and strives to make it possible for residents to live with people who are physically, socially and cognitively similar for as long as possible. Tasks that may have required asking for help – such as driving to appointments, cleaning, doing laundry or preparing meals – are provided for you in assisted living.

Here’s a quick primer on the scope of services available in assisted living, what type of issues require skilled nursing care and the costs associated with them. Knowing as much as possible before you, a loved one or a parent needs supportive services is always the best strategy.

Assisted Living, Skilled Nursing Care and Personal Care Homes

Typical Assisted Living Services

In a broad sense, assisted living is a lifestyle that supports an individual’s independence and strives to make it possible for residents to live with people who are as physically, socially and cognitively similar for as long as possible.

Tasks that previously required assistance – such as driving to and from appointments, cleaning, doing laundry or preparing meals – are provided for you in assisted living. Many assisted living communities offer graduated levels of services and pricing. Those include:

  • Assistance with daily living tasks or the peace of mind of having attentive staff nearby
  • Moderate assistance with getting dressed, eating, daily assistance with hygiene, incontinence and medication management
  • If an individual requires assistive services but also has a health issue such as diabetes or an ostomy bag, or is exhibiting behaviors associated with memory loss

When you look at providing residents with the ability to age in place over the long term, assisted living often begins to look like the ideal option.

How to Determine if Skilled Nursing Care is Needed

What if you, a parent or loved one need additional support but aren’t sure if typical assisted living services are enough? You may require skilled nursing care, instead.

There are two rules of thumb that require skilled nursing care rather than assisted living.

  1. People in wheelchairs who require more than one person to transfer them from the chair.
  2. Those who have a serious clinical need and/or those who would not be able to access help from behind a closed door.

Personal Care Home: Another Option for Long-Term Care

Some states, including Pennsylvania, offer another option for long-term care called a Personal Care Home. This is an ideal option for individuals who need assistance with activities ranging from daily living (dressing or bathing), medication management or memory support.

This option offers many of the same services as assisted living centers and is less expensive. However, Personal Care centers do not have to meet the same staffing requirements, education requirements for staff, “opt out of services” requirements, etc., just to name a few.

Assisted Living or a Personal Care Home?

Still unsure whether assisted living or a personal care home would be better for you or a loved one? Here’s a hypothetical example that explains the difference.

Let’s say Mrs. Smith lives in a personal care center and is admitted to the hospital because she contracts an infection. After a few days, the hospital is ready to discharge her, but she needs IV antibiotics. A personal care home might not be able to take her back.

In this scenario, she would need to go to a CCRC that offers assisted living and nursing care where an RN is on staff until her IV antibiotics regimen is complete. That’s a lot of added stress for Mrs. Smith and her family members.

When to Start Considering Assisted Living and Long-Term Care

Confronting age-related decline is difficult for loved ones and the person experiencing them firsthand. Acknowledging that recurring issues may require moving to a new home is even more challenging. Perhaps the greatest challenge of all is moving during the midst of a medical crisis.

All too often, we see people who are in desperate situations – a parent has been injured and is unable to return home, a person with memory issues has gotten behind the wheel of a car and ended up lost for several hours or a relative has been found wandering outside in 20-degree weather.

Point being, having a plan in place is imperative. Research your local aging services and long-term care communities. It is important to do this before a crisis limits your choice for the best possible care. Finally, schedule a tour of several communities to be sure that the one chosen is a good fit.

It’s also important to consider the costs associated with long-term care and what insurance coverage might look like. Medicare does not cover assisted living care and only covers skilled nursing if it is following a hospital stay for rehabilitation. Medicare will cover up to 100 days as long as the resident is making progress in a therapy program. Medicaid will cover skilled nursing if you meet your state’s financial need guidelines.

In addition to these basic guidelines, the Assisted Living Foundation of America has evaluation resources on their website.

Key Questions for Long-Term Care Providers

If you’re conducting research into assisted living and personal care, it’s important to ask very specific questions about health services and staff expertise. Here are three key questions you should ask long-term care providers:

  1. What medical issues and acuity level can you treat? You want a place that will allow you or your loved one to remain there as long as possible. This is a major benefit of a CCRC. Skilled nursing and rehab services are on campus, and residents can easily move between levels of care if they have a temporary illness or injury.
  2. What are your staffing levels and staff training requirements? Often, the level of assistance a community can provide is linked to the presence of a RN or LPN. Ask about the state’s requirements for staff training, if it is specific to the service they’ll be providing, such as memory support, and if the facility has its own additional training.
  3. What services are included in the daily rate? Housekeeping, laundry and meals are services that are included in the rate for assisted living (or there is an “opt out of services” option for a small reduction in the rate). In some personal care homes, services such as laundry service would be an ancillary charge.

5 Factors to Consider When Searching for an Assisted Living Retirement Community

Knowing as much as possible about local assisted living communities before an emergency arises is the best strategy, especially if waiting lists are present. When you tour, keep these five things in mind.

  1. The Community’s Environment. The lobby, common areas, dining rooms and hallways should be odor-free, clean and not cluttered with unattended carts, wheelchairs and other objects. Look for residents who are out and engaged, having conversations with each other or staff or attending resident programs. Program calendars should address all the dimensions of wellness – social, physical, intellectual and spiritual – and you should see flyers promoting upcoming events.
  2. Staff Interactions with Residents. The key word here is dignity. Are staff members calling residents by their names and talking to them in an adult, respectful manner? Are they interacting with residents they pass in the hall in a cordial way and offering assistance to someone who looks like they may need help? Do they knock before entering someone’s room?
  3. Staff Credentials. Ask whether all of the community’s caregivers are credentialed, either at the geriatric nursing assistant or certified nursing assistant level and above. Staff should include registered nurses and delegating nurses, which have credentials above the RN level and provide full care management for residents.
  4. ‘Extra’ Charges. At some communities, all utilities, housekeeping, laundry, meals and basic care needs such as medication management are included. Some communities charge a la carte for services. For instance, housekeeping and utilities may be excluded. There may be a meal allotment. And if you require medication management, there may be an extra fee for each medication administered. Ask the admissions counselor and read the fine print.
  5. Understanding the Level of Need. If a parent is not able to feed themselves or are facing significant cognitive decline, they may require a more structured setting than what an assisted living community can provide. A good rule of thumb is that someone should be able to be safe for several hours on their own – to know that if there’s a fire, they need to call for assistance, or if they encounter trouble standing and proactively call someone for help before they get up.

Find Out More about Assisted Living at Asbury

At Asbury, our mission is to help you continue living the active lifestyle you’re used to, while enjoying the peace of mind that comes with having a secure plan for your future. With our assisted living services, you can get back to spending time doing what you love while receiving just the right amount of care and support you need throughout the day.

Learn more about our assisted living communities and contact us today to schedule a tour of one of our communities in Maryland, Pennsylvania, and Tennessee.

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