Long Term Care Insurance
 

Anyone know of a facility in the area that accepts long term care insurance and does not require you to buy in - it is month to month - thanks.

Most around here will help you file, but the actual transaction is between you and the insurance co. Also note that their charges may be higher than your daily payment rate (leaving you to make up the difference).

Thank You - do you know the name of a facility - relatively new in the area.

We have had this discussion before, you should look it up under search. Long Term Care insurance pays the person who bought it and you pay the assisted living as you would out of your veterans or social security or private funds. The role of the Assisted Living is to assist you in filling out the paperwork which says you have the required needs and also will state the overall costs. Other than that, the Assisted Living has no role with your Long Term Care. Believe me, they take your money no matter what source you get it from, all of them. I am a licensed Assisted Living Administrator, retired at the moment, so I have no preferences of one over another that I would state. I am just telling you all Assisted Livings want you and your monthly payments, happily. And The Villages and surrounding areas (Lady Lake and Oxford) have more than ever to choose from!!! New and older. Nothing under $3,000 and closer to mid $3500 up to $4,000 to start. Second person, such as a spouse, is usually an additional $500-$1000 a month. None of what I have stated includes care which is assessed on each person.

Thank you for the information.

I like SumterPlace. Not the cheapest, but very nice and (in my opinion) worth the money. Call Cathy Jackshaw at 352-205-7731.

My mom lives at Sumter Place. It is very nice. There are some other up and coming choices as well, and some other established ones. It is important to check them out and see what works for your loved one. When looking, you need to ask other family members what they think; you need to ask residents how they like the food, how much entertainment and activities there are; you need to ask residents and family members how much staff turnover is there; how long has the administrator been there and do they listen to concerns; how to they price the care-is it by levels, or individual need or?? Find out what type of violations they have had. How much transportation for shopping, doctors appointments, outings, are there? Is there golf cart and vehicle parking? Is it golf cart accessible? Are there charging stations? What is the evening activities? What happens when you need more care, can you bring it in if the assisted living is not allowed to provide a level of care that you may need or do you have to move? Can Hospice come in at end of life or do you have to move? Scrtunize, ask questions, talk to family and residents, and be vigilant.