What is a Revocable Living Trust?

A Revocable Living Trust is an estate planning tool, intended to avoid the time and expense of probate, and to ensure the property transfer wishes of the grantor are carried out as easily as possible. The trust also allows another individual to handle the financial affairs of the grantor in the event of incapacity. The trust may normally be amended, revoked, or changed at any time before the death of the grantor. The property of the grantor is transferred to the trust and while the person is living, the living expenses of the grantor are received from the trust.

Reasons to Use a Revocable Living Trust

For many years, people relied on a will transfer assets after their death, and to provide instructions for their last wishes. After the death of the individual, the Last Will and Testament would be presented to probate court, a fiduciary individual would be appointed, and the property transferred. The problem is that an estate can be very expensive, costing several thousand dollars to administer. Because court permission is needed for many actions, an estate can take six months to several years to completely administer. A living trust is used to avoid the time and cost involved. Property placed in a living trust can often be transferred in a matter of days or weeks. Usually, nothing is filed in court.

Important Living Trust Terms

NOTE: “person” can mean an individual, company or other organization in these definitions.

  • Grantor – also referred to as a Settlor, the grantor is the individual creating the trust and transferring property to the trustee.
  • Living Trust – the document prepared by the grantor, transferring property to the trustee, and providing the instructions on how the property is to be handled, both before and after the death of the grantor.
  • Trustee – the person placed in charge of the trust property as a fiduciary. The trustee will collect the income from the trust and distribute the income and principal to the beneficiaries.
  • Beneficiary – the person receiving income or property from the Trust.
  • Remainderman – a person receiving property or income after the beneficiaries receive their shares of the trust. This may be during the life of the beneficiaries, or after the death of the beneficiaries, depending on how the trust is written.

How Revocable Living Trusts Work

A grantor creates a document called at Living Trust. The document is prepared in accordance with the grantor’s wishes. A trustee is named, usually the grantor. The trust will make provisions for the beneficiary to receive income and principal of the trust. The grantor is also the first beneficiary. The property of the grantor is transferred to the trustee of the trust, through deed for real estate, title transfer for vehicles and change of ownership documents for financial accounts.

While the grantor is living, The grantor/beneficiary will have an unlimited right to income and principal of the trust. Like changing a will, the trust can be changed in writing by the grantor. It may also be revoked or cancelled at any time before the death of the grantor.  After the death or incapacity of the grantor, the trust will have provided specific instructions for the transfer of remaining principal and interest to the remaindermen. The trust will also name a successor trustee to act for the grantor The remaindermen are like heirs in a will. They will receive the income and principal of the trust. The trust can specify if the property is to be transferred as a lump sum or paid periodically.

Normally, the most difficult aspect of a Living Trust is creating it. After it is created and the property transferred to the trust, grantor will use the property as they would have otherwise. Trust terms may vary depending on the state in which the grantor resides. When considering creation of a Living Trust, it is best to speak with a qualified trust preparer.

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What is an Assurance Benefit Plan?

NOTE: The Following is a guest post from the Lifecare Funding Group, which offers funding solutions for seniors. They were interested in introducing one such solution to our audience, so we’ve invited them to offer you some more information on life care assurance benefits.

The Life Care Assurance Benefit allows the owner of an in-force life insurance policy to convert their death benefit into a long term care benefit plan to help cover the costs of Senior Living and Long Term Care.
The Assurance Benefit is not a long term care insurance policy, annuity, any form of hybrid life/LTCi policies, or an accelerated death benefit– it is actually the exchange of a life insurance policy for a long term care benefit plan at the time that care needs to be paid.  The Assurance Benefit is a unique financial option for seniors because there are no wait periods, no care limitations, no costs to apply, no requirement to be terminally ill, and there are no premium payments. Policy owners use their legal right to convert an in-force life insurance policy to enroll in the benefit plan and are able to immediately direct payments to cover their senior housing and long term care costs.

 

Applying for the Assurance Benefit Plan is a simple process with the first benefit payment being issued within thirty days.  Once enrolled, the benefit plan is administered on behalf of the family and the benefit payments are made directly to the facility on a monthly basis for the duration of the benefit period. If the insured should pass away before the benefit period is exhausted, then any remaining benefit amount is paid to the family or named beneficiary as a final expense payment.

The Assurance Benefit conversion option is considered a “qualified spend down” of a life insurance policy asset for Medicaid eligibility. According to a GAO study in 2007, 38% of Medicaid applicants owned a life insurance policy that needed to be liquidated to qualify.

There is almost $30 Trillion worth of life insurance policies owned by 153 Million Americans (NAIC, 2010). Of that amount, on an annual basis there is more than $100 Billion in the hands of seniors who could potentially qualify for the Assurance Benefit.

States have begun passing laws mandating that life insurance companies inform their policyholders that these types of options exist as an alternative to lapsing or surrendering a policy. In November 2010, the National Conference of Insurance Legislators (NCOIL) passed the Life Insurance Consumer Disclosure Model Act mandating consumer disclosure about options, such as the assurance benefit, to policy owners and it is being introduced in state legislatures around the country. As Medicaid budgets continue to be pressed, more efforts such as this to find private market solutions will be mandated as part of the landscape.

Providers of long term care services such as nursing homes, assisted living communities and home health agencies have been quick to embrace this alternative form of payment. State governments too are realizing that there is tremendous value to be found by converting life insurance policies to help pay for the costs of long term care. Legislative and market activities across the country clearly point to the growing realization that life insurance policies are an asset well suited to help pay for long term care. Too few seniors realize their policy could be used for purposes other than a death benefit.

Families with the need to pay for long term care that are unable or unwilling to keep their life insurance policy in-force by maintaining premium payments, or are planning to abandon as part of a Medicaid spend down regimen, the Assurance Benefit conversion option is a much better choice.

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Senior Life Settlement: Is it Right for You?

A difficult economy, growing unemployment and a volatile stock market have made the future even more uncertain for those who have retired or will retire soon. For those needing more money beyond pensions or other savings (especially seniors who may need to finance assisted living settings) life settlements can be an attractive option.

Life settlements work by turning life insurance policies into assets that policyholders sell for a given sum to a third party. This can create value for policies that seniors would otherwise have to surrender, allowing them instead to sell it for a greater value. After the transaction the buyer becomes responsible for paying the premiums and ultimately becomes the beneficiary, and in return pays the policyholder a sum greater than the cash surrender amount they would have received.

This type of asset can become a particularly attractive option for seniors because the premium payments are often greater than the benefit the policy would bring them. Life insurance is meant as a hedge against the difficult situations family members would face in the case of a policyholder’s unexpected death, but as seniors grow older there is less need to protect against this situation.

How have life settlements grown so popular?

The modern market for such a practice started as a byproduct of an unfortunate medical epidemic. As AIDS grew in prominence in the 1980s, many young victims of this disease needed money to pay for expensive medical expenses, leading them to sell whatever assets they could. Because they faced an early death, the risk-adjusted value of their policies could be much greater than the surrender value, making selling the policy an attractive option.

The option to sell life insurance policies has gained even more popularity in the past 10 years, after The National Association of Insurance Commissioners released a report establishing guidelines for business practices. This led a number of organizations to begin to purchase life insurance policies. Today the market for life settlement policies is growing, and with close to 20 percent of policies of those older than 65 having greater economic value than cash surrender value, one can see why this would be an attractive option for seniors

What is involved in a life settlement?

To complete a life settlement, paperwork is required by both policyholder and the insurance company and the entire process takes up to six weeks. The policy is reviewed and several investors can make offers, which the policyholder can then review and decide to accept or reject. The sale price for the policy goes into an escrow account until the process is completed.

How do life settlements help seniors face rising care costs?

With high of assisted living, some nursing home settings can cost seniors as much as $9,000 per month with more independent living generally ranging from $1,800 to $2,400 per month. The cost has led to more seniors looking for outside revenue to help pay. The situation is even more difficult given that long-term health care costs rose 5.6 percent and assisted-living expenses are driving much of this increase. And with only seven million seniors holding long-term health care insurance, life settlements should continue to grow in popularity as a way to help pay for assisted living.

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Comparing Nursing Home Options: 5 Important Factors

Making the decision to put a loved one into nursing home care is one that is never taken lightly. Not just any facility will do when it comes to the comfort of a family member. Reports of nursing home abuse and neglect are everywhere, and the question of how one nursing home compares to another is something on many people’s minds.

There are many different factors to consider when looking into a senior retirement home, and each must be weighed carefully against the others.

What Others Have to Say

Nothing is more telling of the quality your loved one will receive than the words of those who have experience in the particular facility. Talking to the other residents in assisted living homes will give an insight into the level of care and services that are provided. Staff and volunteers are also a good source of information since they are there often and have a working knowledge of policies and routines of daily life in the nursing home. Volunteers are especially helpful, as they have no paycheck to worry about and most likely wouldn’t be there if they didn’t agree with the quality of care being provided.

Daily Retirement Home Living

The daily life of the residents and how they will be affected by their new home is influenced by a variety of factors. Location determines whether other family members are able to visit often. The home should also reflect the personal desires of your loved one for either a rural or urban setting. Gardens, lawns, and other natural spots can be helpful for relaxing. Take note of the number of residents who are currently living there to see if the home is overcrowded. The food that is served is what your family member will be eating for several years, so it must be something that is both nutritious and agreeable to them. The staff-to-resident ratio should be high so there is always someone available if there is a need for help. The safety measures in place, the comfort of the rooms, and the cleanliness of the facility are all important aspects that will affect a loved one’s life on a daily basis.

Entertainment and Activities

You should look at the types and number of activities that are offered to occupy the residents’ time. Activities should be both indoor and outdoor to accommodate whatever all need. The presence of a dedicated activity director means that the residents receive things to do that are more in-line with their desires. The types of activities offered should match the interests of your loved one so they will enjoy themselves. If your family member has physical or mental disabilities, make sure that the caregivers will take the time to assist them so that they can participate in the activities.

Cooperation

The flexibility of a facility is important. Fewer restrictions in place makes residents feel like they have some control. The amount of control that your loved one has over their schedule and daily activities can be very important as well, depending on the person. Policies on visitation and whether a family member can be taken out on any given day or for a weekend trip should be in line with potential plans and needs.

Expenses

Though not something you want to think about, costs are a huge factor in determining the quality of care your loved one will get. Nursing homes can be quite expensive and are getting more so every year. The average cost per year is $70,000 and the average stay for a resident is 2 ½ years. This can quickly become unmanageable for many people. Balancing the costs with the level of quality can be tricky, and each factor of importance should be compared to this cost to ensure that your loved one gets all that they need at a price that is not impossible to afford.

Ultimately, the decision may take quite some time to make. You should visit each home several times and observe the interactions between residents and staff to get a feel for the true atmosphere and level of care. Making a list of what is essential and what is not can help. Narrow the list down and let your family member share in the decision process to ensure that the correct choice is made.

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Reverse Mortgages for Seniors: Benefits of a Reverse Mortgage Loan

With the downturn in the economy and home sales at a halt, many seniors are having trouble surviving on their fixed income. Applications for reverse mortgages are on the rise because they offer seniors options that traditional home equity loans and lines of credit do not offer. To help defray the costs of living, many more seniors are applying for reverse mortgages now than ever before. Reverse mortgages are actually loans that homeowners can apply for from a bank to access the equity in their home. Reverse mortgages are only available to seniors age 62 and over. Reverse mortgages also known as a Home Equity Conversion Mortgages are made available by The U.S. Department of Housing and Development (HUD).

The Benefits of a Applying for a Reverse Mortgage

A reverse mortgage is the only loan option that allows seniors age 62 or older to tap into the equity of their home and receive a monthly cash payment while continuing to reside in their own home. In addition, it is the only loan option available to seniors that requires no monthly payments. To remain eligible, all seniors need to do is comply with the terms of the reverse mortgage and continue paying their property taxes, homeowners’ insurance and other out-of-pocket expenses such as gas, electric, water and sewer.

Qualifying For a Reverse Mortgage

Seniors who live in a either a single family or home with 1-4 units, a condominium approved by HUD or manufactured home that complies with FHA standards may be eligible to apply for a reverse mortgage. Other eligibility criteria include, but are not limited to the outstanding balance on the underlying mortgage, the age or ages of the applicants, the equity in the home and whether the applicant or applicants have any outstanding federal debt. Typically, to qualify for a reverse mortgage, seniors are required to be close to paying off their underlying mortgage or have paid their mortgage off.

Income is Not Considered When Applying for a Reverse Mortgage

Unlike a traditional equity loan, income is not a factor in the approval process when applying for a reverse mortgage. Unlike home equity loans and lines of credit that factor income into the approval process, income is not a deciding factor when applying for a reverse mortgage. Seniors that are struggling financially will find getting approved for a reverse mortgage is easier than a line of credit or home equity loan.

Amount of a Reverse Mortgage

The amount seniors are eligible to apply for and receive depends on a variety factors, including but not limited to how much equity the applicant has in the home, the appraisal value of the home, and the current interest rates. How the loan will be disbursed depends on what monthly schedule payout an applicant selects. There are several scheduled payout options applicants can choose from.

Reverse Mortgage Payoff

One of the other main benefits of applying for a reverse mortgage is that seniors who continue to reside in their home and comply with the terms of the reverse mortgage will not be required to repay any monies back on their reverse mortgage during their lifetime. Upon death, the home will be sold and monies recouped from the sale will be used to pay off the reverse mortgage. Any additional money recouped above and beyond the payoff will be distributed to the applicants’ heirs or as designated.

A reverse mortgage is an excellent option for seniors who are in need of additional income and would like to continue residing in their home, but are not interested in applying for a home equity loan or line of credit. Reverse mortgages are the only alternative to a loan that allows seniors to remain in their own home while collecting payment-free additional income. For seniors looking for a way to increase their monthly income, a reverse mortgage is an excellent option.

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Presbyterian Assisted Living Facilities and Elder Care Homes

Presbyterian assisted living facilities provide peace of mind that you or your loved one will be very well taken care of. There is the additional reassurance when you start your search for faith-based assisted living homes of financial dependability exercised with one’s money. Additionally, you can look forward to reliability from those who present full services throughout all Presbyterian assisted living facilities.

Contingent on the level of support necessary, various Presbyterian senior homes may offer all of the services that are essential. Such levels of care in assisted living are from skilled nursing to specialty services and convalescence, as well as hospice care. If you have been looking for a community surrounded by other seniors, you might love to know there are elder care homes based in the Presbyterian tradition of attention and services.

Quality and Affordability of Presbyterian Assisted Living

The relationship of assisted living facilities, such as the Presbyterian faith providing senior living options, frequently is care that is more practical in terms of being affordable. They usually are non-profit, and have several financial supporters who make available charitable donations that significantly decrease the cost of the services offered. Thus, Presbyterian assisted living facilities offer a compassionate living situation and provide an extension of care at all levels of the assisted living facilities.

Liberal donations permit such religiously associated assisted living facilities such as Presbyterian, an association to assist the elder population to care appropriately for themselves. This is an element of the Presbyterian and other faith-based affiliated assisted living communities and their commitment to provide compassionate care. Accordingly, their care is exceptional for less cost to the elder community. This is frequently the objective of Presbyterian aged care facilities and other religiously affiliated facilities.

Beyond offering compassionate care, Presbyterian assisted living facilities make available services for any individual regardless of their beliefs and means. Presbyterian care centers and just about all religiously associated assisted living facilities offer their amenities in an ethical and fair manner.

Resident Services Offered at Presbyterian Senior Living Centers

Presbyterian assisted living facilities provide a complete range of services to the residents. Assisted living allows you to continue being independent as feasible while being able to promote a sense of community. In a Presbyterian facility, arranged meals and medication supervision services are provided.

When or if the resident’s requirements for care change, the senior services provided by a senior living home for Presbyterians change, as well. The changes can include health care, nursing care and recuperative care. The main focal point is on keeping the resident active and well cared for with self-respect kept intact. It is comforting to know that it is a safe and secure environment.

Although these are all hallmarks of care given by faith-based assisted living facilities, it is vital that you assess any elder home before agreeing to send a loved one there. It is equally vital to look past the cost. Not all facilities that charge more money end up being superior in care or treatment. Make sure to do your research.

Presbyterian assisted living facilities can offer superior quality care in a caring and compassionate environment. Furthermore, faith-based affiliated facilities frequently offer an excellent arrangement too. Services can be provided at a smaller rate thanks to bighearted contributions from those receiving care and their friends or family. Presbyterian care home is an exceptional choice for those who desire personal care assistance or health monitoring while providing a host of amenities, while at the same time creating an amazing community for elders.


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Common Alzheimer’s Care Concerns for Home Caregivers

An Alzheimer’s Patient Caregiver – For a loved One

A caregiver for an Alzheimer’s patient often does not realize the emotional and physical strain it will be on their own health in general. When someone first is told their loved one has this disease, it is quite a shock for them and the whole family.

As the patient loses normal functions one after another, the caregiver gradually loses endurance, the ability to solve problems and adaptability. During this long, difficult period, communication lessons and fulfilling consequences are no more. This is when the caregiver needs strong support from family members in particular, and also from doctors and friends. It is especially difficult for a caregiver of a terminally ill loved one to face it all alone and they need help and support in order to keep their health stable – both physically and mentally.

Help is Available – Alzheimer’s Care Facilities and Senior Living Homes

As the Alzheimer’s patient’s cognition and physical capacities gradually become more fragile, the caregiver’s work becomes more complicated and more emotionally charged. This may be a time when an Alzheimer’s care facility should be discussed with the entire family. One member of the family should be chosen to act as a chairman. Each member of the family needs to be present to state their feelings about having their loved one in an Alzheimer’s care facility. Alzheimer’s care at home is possible, but could be too much emotional stress and physical work at this stage of the disease.

There are many senior living homes scattered across the United States; possibly one or more in your vicinity depending on the size of the city where you live, or live near. Most of these senior living homes also offer assisted living for their tenants as they age, or have an illness such Alzheimer’s or dementia. These clients are unable to take care of their living area and may also need medical care. These facilities are usually quite costly, but most of them are willing to sit down with prospective clients and discuss how payments can be made. They will take the client’s current assets into consideration and any other possible issues the client may not have thought of.

These homes are a good selection, since the loved one can usually have a family member living with them in their apartment, making them feel more at home and happier.

Alzheimer’s Care in a Hospice Facility

When your loved one reaches the end-stage of life, you may have them placed in a hospice care facility, or hospice care can be provided in the home by a hospice team. The aim of the caregivers at this point is to keep the patient comfortable and free of pain. They also provide passionate emotional care and grief counseling for the caregivers. Many patients prefer to be in their home with loved ones and familiar surroundings nearby.

If the patient’s last wishes have not been discussed with the family before this stage, a family member may remember what the patient had talked about earlier or can check for written desires and wishes that were set down. The entire family should be a part of this discussion so there are no surprises about how the patient’s wishes are carried out.

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Christian Assisted Living Facilities and Elder Care Homes

If you are one of the many people in need of an assisted living facility then you understand the stress and anxiety this search can cause in your life. Although this can be a little scary, using your faith to assist you in your search can make this endeavor much easier. Understanding that God is in control to help guide you through your journey will give you the confidence you need to make this an easy transition. There are many factors to take into consideration when choosing an assisted living facility, but choosing one that shares your beliefs and morals can be the most important factor as a Christian. A Christian assisted living facility will use the values taught in the Bible to create an atmosphere that you will appreciate and give you the surroundings that you need in order to live a prominent Christian lifestyle.

Steps to Take in Finding the Right Christian Assisted Living Facility

The first step in finding a Christian living facility is to use as many resources as possible to do the necessary research to find senior housing that meets all your physical and spiritual needs. One of the best places to start this research is through your church community. Asking your pastor or preacher, as well as other church members may be the best way to get the most honest opinions about potential Christian care homes. Many of your church members may personally know someone that has experience with a great care center for Christians. Being a Christian suggests living a particular way including loving your neighbor as yourself and this is why Christian assisted living is an ideal environment for someone in need of this special type of facility. You can also be assured that a religious-based aged care center still follows all the laws that are required and in most cases go above and beyond these laws to ensure their residents have a way of life worthy of the Christian lifestyle.

Many of these senior care communities include common amenities such as 3 meals a day, scheduled activities, 24 hour caregiver assistance, and excellent senior services. A Christian care facility may also offer regular prayer service, bible studies, small groups, and in some facilities a regular schedule worship service. You will also feel the companionship of the other residents that share your Christian beliefs and values, which can dramatically help improve the quality of life for every resident in the facility. A majority of Christians have a different set of morals and this can make a major difference in the way a facility is run. Living in this type of senior home will give you the feeling of a family type of atmosphere and this can be priceless.

Although looking for an assisted living facility is a frightening adventure, being able to incorporate your Christian values in your decision can make a world of difference and bring a level of comfort that any Christian can appreciate. Choosing this type of facility to live your Christian lifestyle without feeling out of place is a fantastic solution and your beliefs are not only welcomed, but actually encouraged. Completing your journey through life can be difficult, especially in your later years, but sharing this time with your fellow Christian brothers and sisters is an easy decision and will be a great way to practice your faith while still receiving the needed care that a Christian care home can offer. There are many choices when it comes to assisted living and senior housing, but only a few that can help you to grow spiritually and enjoy the fellowship of other Christians that not only share your faith, but also need the support that only another Christian can offer.


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Choosing the Best Senior Care Center: 10 Questions to Ask

Making the decision to transition from your home to an assisted living facility can be difficult. There will surely be questions and concerns when trying to decide on the right senior care facilities for you. Knowledge is power! Figuring out the right questions to ask when visiting your potential new home can help you make the best choice. You will want the move into a senior care center to be as easy and stress free as possible for you and your family.

What are the standard assisted living services provided?

Find out exactly what living at a senior care center will consist of. Things like housekeeping and laundry services are typically available, as well as access to health and medical services. Inquire as to what a typical staff member is available to help with if needed and what senior care service can be provided if asked for.

Does this senior care facility feel comfortable?

Does the center feel homey and warm? Are you able to personalize your own space? Look around at other residents of the home, do they seem happy and comfortable? Observe if the staff seems friendly and accommodating.

Is the facility in compliance with state regulations and licenses?

Ask if everything is up to code and if there has been a recent inspection. It would also be helpful to check with the Better Business Bureau for complaints that have been filed, if any.

What’s the cost?

Find out all living costs for the billing cycle. It would also be a good idea to know how and when the facility bills. Check to see if insurance is accepted and if so, make the necessary calls to the insurance company.

Are there additional costs for extra activities or outings?

You will want to know if, besides the monthly cost, there will be any additional costs for extra activities. Knowing this up-front will prevent problems and surprise costs when the monthly bill comes in.

Are hobbies and activities that you are interested in offered?

Keeping the mind active is always a benefit. Finding an assisted living facility with activities, hobbies and groups that you enjoy will make your new home enjoyable and comfortable, all while making new friends.

How’s the food?

It may seem like an afterthought, but the menu will part of your everyday life. Find out the quality and variety of the menu. Will there be alternatives to the scheduled meals and will all dietary restrictions be accommodated?

Can you make calls, have visitors, and go on outings?

Find out what the rules for phone calls and visitations are. Knowing which facility’s rules best accommodate you will make choosing a new home much easier. Also inquire about outings with family and what the rules are regarding those.

How are non-emergency medical concerns addressed?

You will want to know how concerns, such as medications and check-ups, are addressed. Ask how medications are given out daily. Find out if you will continue to see your current physician or if there is a physician on staff who will take over your routine appointments.

What are the procedures for an emergency?

Should an emergency arise, the last thing you or your family would want to wonder is what happens now? Go over what the emergency procedures are when you speak with a representative from the facility. Ask questions about the standard procedures regarding fires and also medical emergencies. You will want to make sure family will be contacted immediately should there be an emergency.

Life in an assisted living facility is an undeniable adjustment. This can feel stressful in the beginning. But asking the right questions will hopefully calm your fears and anxiety and make the transition much easier.

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Jewish Assisted Living Facilities and Elder Care Homes

Assisted living is often the perfect answer for any senior who wants to stay active and continue enjoying life. It might take some time to find the best assisted living facility because there are so many different options to choose from but it is worth taking the time to make this important decision. Often family members work together to find the perfect senior housing option. There are many things to consider before making the final choice. The accommodations and amenities of the elder care home should match the needs of the senior. The client’s health needs, interests and finances should be discussed in order to find the best care center match.

Some people forget one of the most important things in deciding which senior living option to place a loved one in, though, and that is religion. And in the lives of many seniors, religion is very important and central in their lives, so choosing religious-based senior housing can make the difference in a positive or negative experience.

Jewish Assisted Living Options: What to Expect from a Jewish Care Home

Judaism is more than a religion, it is a way of life. The traditions, practices, and beliefs are important and most Jewish seniors love the idea of being able to incorporate their religion into the assisted living facility they choose. What could be better than being able to enjoy other people who share your beliefs?

Often the staff at a Jewish senior housing center will facilitate religious studies for the residents. Sometimes they are even lead by one of the residents in the elder care home. There is usually a bus or van to transport the seniors to local services. Of course for those who would rather worship at the assisted living facility, services are usually provided. During the week and on special occasions residents can also choose to go to the synagogue. This is very meaningful to most seniors.

Because most Jewish people observe special dietary laws they are happy to be with others who understand and enjoy the same foods. This is one of the most important reasons to select a Jewish assisted living facility. They understand and cater to all these needs everyday so no senior ever has to compromise what they eat. Of course all the meals are well planned and nutritious and often served in a formal dining room.

Senior are treated well by the staff members and these important relationships are what make a good Jewish assisted living facility enjoyable. It is important to spend some time visiting a range of Jewish care homes, vetting them and getting references before making the final decision. Talk to residents, the staff and others who are part of the assisted living facility. Most Jewish aged care homes serve a complementary meal, so it is important to make sure they provide a wide variety of choices. Ask about dietary needs such as low salt or gluten free diets. All these things are important and always include the senior who is going to be living in the assisted living facility in the decision making process.

One of the most important part of any senior housing option are the activities and senior services. Most seniors have forgotten how to have fun and are often a little shy about getting involved. Dances, card games, parties and general celebration can make the experience great. How exciting for a Jewish senior to be able to continue celebrating the traditions and holidays that are important to them.

There are several Jewish assisted living facilities available. Families who cannot live near their loved one will have complete peace of mind knowing they are in the best possible place and receiving great care. This option can often be frightening to people, but once they move in, and get settled they realize it is just another exciting chapter of life. Most people wonder why they didn’t move in sooner. It certainly is a wonderful trend for seniors who want to continue enjoying life at its fullest.


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