The decision to move into a life-assisted community can be both an exciting yet difficult experience for both the retiree and their family. The perfect place can be found, it will just take a little bit of looking around.
For more than 30 years, Mayo Clinic’s Charter House has been the choice for those who value an active and independent lifestyle, as well as the convenience of maintenance-free living. Get in touch today!
Levels of Care and Lifestyle
Before you move to any life-assisted community, you’ll need to conduct extensive research about your options. There are several types of retirement communities available:
Active Adult is for older adults who are seeking a low-maintenance lifestyle but don’t require access to senior care services. It’s geared for adults who are capable of managing daily household and personal care tasks on their own without any support from an aide or trained healthcare professional.
Independent living residential communities offer an active lifestyle and freedom from the hassles of home maintenance. Options include apartments, freestanding cottages or villas, duplexes, and townhomes. At Charter House, we have several floor plans available.
Assisted Living Communities
Assisted living communities help residents maintain their independence while providing assistance with the activities of daily living. This can mean help with eating, bathing, dressing, and maintaining good hygiene. People in assisted living typically pay monthly rent for a private apartment or room and an additional fee for the level of care needed. At Charter House, those accessing Assisted Living are moving from our Independent Living.
Group homes are residential homes that provide a homelike environment for usually under 10 seniors to reside. Some are licensed assisted living, while others do not provide personal care assistance but do provide support. The homes have round-the-clock care and provide activities and homemade cooking.
Memory Care & Nursing Homes
Both memory care and nursing homes provide 24-hour care, supervision, and meals. Staff members also help with activities of daily living such as bathing, dressing, and medication management. Memory care — sometimes called dementia care — is specialized for people with memory loss. This focuses on enhancing the quality of life for people with dementia in a secure environment to minimize confusion and the dangers of wandering.
It’s important to plan early for the anticipated costs of living in older age. The rise in costs is mainly due to the increase in demand for communities that provide services. More people are opting for these types of facilities because they offer a good quality of life with reliable services and a better standard of living.
A long-term care insurance policy can be a responsible way to offset the costs of long term care. It can provide you with peace of mind as you age knowing that part or all of your care costs will be covered for a period of time.
Selling your home can be a viable option for helping you cover the cost of assisted living. When calculating how much you can make from a sale, you’ll need to take into account realtor fees, your outstanding mortgage balance, and average sale prices in your area.
Medicare will pay for twenty days of care at 100% of the cost for Skilled Nursing Facilities. For the eighty days following, Medicare requires care recipients to pay a portion of the daily cost. If you subscribe to a Medicare Supplemental Insurance plan, the secondary insurance will pay the remaining cost for the last eighty days of coverage. Neither Medicare nor Medicare Supplemental Insurance will pay for skilled nursing care after the 100-day maximum is reached.
With the proper research into the levels of care available, you’ll be able to find the community that best suits your needs. Calculating the cost of the sale of your home can also help you decide on the facility you can choose.
The benefits of life-assisted communities are many – they can provide you with the independence you desire while still having the safety net provided by caretakers
We invite you to our 32nd annual Sidewalk Sale! This is one of the summer’s largest sales in town. You’ll find furniture, appliances, décor, antiques, paintings, household items, plants, and much more! The best part – this community event benefits local nonprofits.
Since we’ve been unable to hold our annual Sidewalk Sale for the past 2 years, we have DOUBLE the items. First, items will be dropped off by several semi-loads. Second, Charter House staff move the items. Third, our residents organize and price the items. This collaborative event is a Rochester favorite, so don’t miss out!
Nonprofit Beneficiaries of the Sidewalk Sale
Sidewalk Sale proceeds will benefit local nonprofits: Family Promise Rochester, Rochester Public Library Foundation, Ronald McDonald House, Thrive Child Care and Family Resource Center, Children’s Museum of Rochester, and Yellow Monkey.
What you need to know…
We hold the Sale rain or shine. Cash or check ONLY. Face masks are encouraged to protect our staff and residents. Find our event on Facebook. Parking will be available in the Kmart parking lot.
In 1989, a group of residents decided to begin selling unwanted items they otherwise would have given away. They organized a large sale in front of Charter House and decided all of the money would go to local charities. The first year they raised $2,000 and the next year $4,000. The Sidewalk Sale quickly gained a following year after year and has become one of Rochester’s largest annual sales. The Sale is usually held at Charter House, but due to the large number of items we have this year, we had to move to a larger location.
To date, the Sale has raised over $300,000!
Don’t Wait Too Long
Many older adults wait too long to incorporate resources into their lives that will help them remain independent. Planning ahead is essential to considering the options available to you if your health or circumstances change. You will have more control when you make time to carefully explore your options and do your research. You will take a lot of pressure off your family if you plan ahead and seek out the resources you need to remain healthy, active, and safe.
Benefits of a Plan
Sarah J. Crane, M.D., Mayo Clinic Geriatrician and member of the Board of Directors at Charter House, describes the importance of planning ahead:
By acknowledging the need for additional support, you will likely be able to continue to live more independently for a longer period of time. If you wait until you are in a crisis, you may have less control and much more limited options. Pay attention to emerging resources that you can take advantage of to maintain your independence. New technologies such as smart phone apps are creating options to address the challenges ranging from medication management to transportation. Be open to incorporating these new resources into your life.
What You Can Do Now
- Develop a Plan. Find resources offering you flexibility as your needs change, don’t wait until you are in the middle of a crisis. For some, this may mean joining the waiting list for a senior community in anticipation of a future move. For others, this may mean establishing in-home care resources for assistance with daily needs.
- Document Your Wishes. Review Mayo Clinic Advance Health Care Planning and familiarize yourself with documents such as a POLST, advanced directive, and living will. You can consult with an attorney who is specialized in elder law. Provide your health care provider and health care agents (if applicable) with a copy of your finalized documents. Keep these documents accessible and updated.
- Connect with Resources. Contact 2-1-1; this three-digit number connects you to a free and confidential referral service through United Way to find community services, resources, and volunteer opportunities.
Click here for more information from Mayo Clinic on future health care planning!