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Considerations, Tips & Insights for Senior Living

01. Signs It’s Time for Senior Care

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  • Difficulty with daily activities like bathing, dressing, and cooking

  • Frequent falls or injuries

  • Memory loss affecting daily life

  • Neglected hygiene and home upkeep

  • Social isolation and loneliness

  • Worsening medical conditions requiring constant monitoring

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02. Financial Considerations
Medicare and most health insurance plans do not cover standard senior care. Below are cost estimates for Southeast Michigan:

In-home care: 
$32/hour (minimum 4-hour shifts)
Assisted living: 
$6,500/month (range: $4,000-$9,000+ depending on care level)
Memory care: 
Higher costs based on needs

Ways to Pay for Senior Care:

  • Social Security & Pensions     

  • Savings

  • Sale of a home

  • Long-term care insurance

  • Investments & Annuities

  • Veteran Benefits

  • Medicaid (for low-income seniors)

  • Family Contributions

  • Donations or Charitable Support

03. What Are Different Types of Senior Care?

In-home care: Caregivers assist with daily tasks at home.
Independent living: For seniors who are active but want a community setting.
Assisted living: Housing with some medical and personal care support.
Memory care: Specialized care for dementia and Alzheimer’s patients.
Skilled nursing facilities: Full-time medical care and rehabilitation.
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04. How Do I Determine What Is Needed?

  • Assess medical needs and daily activity limitations

  • Consider cognitive health and memory concerns

  • Evaluate home safety and risk of falls

  • Review emotional and social needs

  • Consult with a geriatric care manager or doctor

05. How Do I Move My Family Member?

Step 1:

Have an honest conversation about needs and options
Step 2:

Visit and select the right senior care community
Step 3: 

Plan finances and logistics
Step 4: 

Arrange transportation and personal belongings
Step 5:

Support them through the transition with patience and reassurance

06. What Questions Should I Ask on a Visit?

  • What level of care is provided?

  • What are the staff-to-resident ratios?

  • Are medical services available 24/7?

  • What activities and social opportunities are available?

  • How does the facility handle emergencies?

  • Are meals customizable for dietary restrictions?

  • What is the cost structure and payment options?

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