How do I know when my loved one needs help?

• Frequently visit the individual. Observe their daily routine. Check out what is in the refrigerator. If things are abnormal and not making sense, it may be time to seek assistance from a medical professional for further evaluations.

How do I approach the subject with my family member?

• Be honest and show general concern. Ask the individual if they have thought about extra assistance. Encourage involvement and participation from the individual. Call different facilities and tour. Begin to pre-shop for the right level of care for the individual. Sometimes the conversation can be received from a third party individual better than a family member. (Example of a third party: doctor, neighbor, nurse, clergy, etc.…)

Will Medicare cover the expense of Assisted Living?

• No, currently Medicare does not offer a benefit specifically for Assisted Living. Most facilities are private pay. Some facilities accept long-term care insurance. It is important that the policy is reviewed to determine the benefits available. No two long-term policies are the same. Some facilities are Medicaid Waiver approved. When touring each facility be sure to ask what the policy is concerning Medicaid Waiver. It is not unusual for facilities to require a minimum of two years private pay before Medicaid Waiver will be considered. Also, the Medicaid Waiver regulations can vary state to state. Contact your local Office on Aging regarding the state’s Medicaid program.