5 Differences Between Retirement Homes & Long Term Care Homes

Keesha

Keesha

🐟
Location
Canada 🇨🇦
In the last few months I’ve discovered that my parents family doctor thinks my parents should be in a home. After a meeting with their health care workers , ( supervisors ) I’ve also been informed that within a year or so my parents will need to move from their home.


Neither of my parents want to go into a retirement home, nor do I blame them.
I’d be digging my heels in also but I’m starting to see some pros in the idea.
They will have people their own age to socialize with. They will have on site health care. They will have access to exercise equipment and possibly a pool.
They’d have their meals made for them.
Cleaning will be done for them.


Unfortunately I don’t know much about how retirement housing works or the different plans involved but I’m learning.
I’m not sure what differences there are from country to country but here there are two types to choose from; Retirement Homes OR Long Term Care. I was under the impression that if parents needed to go into a retirement home that their house would automatically be taken away but apparently that’s not the case.


While at the meeting this week I felt BOTH women encourage me to get my parents into Long Term Care so I looked it up and here’s what I found out.



https://www.seniorszen.com/blog/2015/05/05/these-5-differences-between-ontario-retirement-hom


There are many differences between these two plans.


1/. Retirement homes are something you decide to move into. With LTC homes, the government decides.


2/. Retirement homes aren’t part of the governments health care plan but long term care homes are.


3/. You can come and go as you please ( meaning long term traveling ) in retirement homes, in an LTC home, not so much.


4/. You be evicted from retirement homes.
You can’t in LTC homes.


5/. If things go wrong in a retirement home it is dealt with by. The retirement homes regulatory authority. LTC homes operate under an umbrella of the Ministry of Health and Longterm care.


The health care professionals suggested we get one of my parents in first. Once one gets in they said it’s easier to get the other in.


Since my parents are alcoholics, then going into a regular retirement home could prove problematic, especially knowing they can be evicted.


The healthcare part would be payed for by the government with Long Term Care which I rather like.


Long term care homes are gender organized, meaning they couldn’t sleep together but they don’t sleep together anyway.


I’m really glad they are getting daily visits to help them out because it’s really made a difference to the quality of their lives.
Information about my parents health is being documented so it’s comforting knowing that others can help out when these decisions need to made . My dad won’t leave without a fight and I cant blame him but the fact is that the government can force him to go into a home due to medical reasons.


If anyone has any relevant information about these two differences in health care retirement plans , please let us know.
I’m hoping this information helps others also.


Thank you
 

I have no knowledge but I wish the best and easy transition for your parents and you. I wonder how the alcoholism will be dealt with. I never thought of that before. They can't force them not to drink, can they?

So glad you're getting help with this.
 
Good luck, Keesha. Not sure what the differences are between the US and Canada and I don't know much about it. My little MIL has home health care (Visiting Angels) who spend 2 hours with her twice a day on weekdays. (11 am - 1 pm) and 4 pm - 6 pm) They make sure she has meals and takes her meds as prescribed. She is 84 and doing very well still living in her own home.

My husband and his 2 siblings also go by to check on her several times a week and on weekends and have installed a camera system so they can see what's going on in her house on their cell phones at any time. They also take care of her home maintenance, grocery shopping, finances, etc.
 

I don't know anything about the Canadian system but the fact that your parents are getting daily visits means that they already have a toe in the system. I would let the caregiver's evaluations/recommendations be the determining factor of what happens going forward.

Good luck!
 
Hi Keesha,

I have some experience with shepherding parents and in-laws though this on the US side of the border. We generally use the term Assisted Living (or AL) for the kind of retirement homes you mentioned, and I'm assuming the Long Term Care facilities are what we call either convalescent homes, or Skilled Nursing Facilities (SNF).

AL: Wheelchair or walkers, dispensing vitamins and medications including insulin, driving to doctor appointments, some light assistance with bathing or dressing, and even adult diaper use, would be a yes for AL. There's a basic rent amount which includes room and board. All else is a la carte. The more services the resident requires, the higher the monthly rate. Many ALs have an RN or LPN on staff for at least 8 hours a day.

Most ALs also have a Memory Care unit for people with severe cognitive losses, or those with moderate losses but have become "wanderers." Memory Care residents require more care and the rates are therefore higher.

ALs have codes of conduct. They can - and do - evict residents who are difficult, disruptive or whose care needs exceed what the facility can provide. Active alcoholism is usually not tolerated for very long. (My dear friend's difficult father was kicked out of several places because of his drinking problems. The experience was a nightmare, much like having a troubled teen who repeatedly gets suspended or expelled from school.)

SNFs are for people with medical conditions that go beyond what the AL and the residents themselves are able to manage. Without getting too deeply into the ins and outs of it, SNFs in the US are typically covered by Medicare for up to 100 days. After that the patients have to pony up and spend down their own assets. SNFs look a lot like hospitals. Often there are a couple of beds to a room, there are RNs on staff, fully staffed PT rooms with therapists who coordinate care with the patients' doctors, and MDs frequent the places. Many SNF residents are there for short term stints on a step-down basis from hospitalizations. People are there out of medical necessity.

Many ALs are quite nice and lean toward amenities one might find in a nice hotel or cruise ship. SNFs tend to be like hospitals in that people are eager to leave as soon as they can.

I hope this is helpful and wish you the best.
 
RadishRose said:
I have no knowledge but I wish the best and easy transition for your parents and you. I wonder how the alcoholism will be dealt with. I never thought of that before. They can't force them not to drink, can they?

So glad you're getting help with this.
Click to expand...
The alcoholism is something I’m very concerned about. They drink an incredible amount; 5 or 6 ( 26 ounce bottles of brandy ),
a bottle of scotch , a few ( 3 litre ) boxes of wine, and about 30 or 40 tall imported beers in a months time. It seem like an awful lot to me and they fight and get nasty with each other at times and even though they are used to it, others aren’t. If they were to go into a retirement home where they had their own apartment, there’s a very good chance they be kicked out ( evicted ) and it really worries me. Plus it’s harder for their body to heal with all this drinking they are doing. They rarely go outside for some sunlight or fresh air. This is the lifestyle they are used to and it’s quite sad.

Thanks for your support RaddishRose. It’s much appreciated.
 
C'est Moi said:
Good luck, Keesha. Not sure what the differences are between the US and Canada and I don't know much about it. My little MIL has home health care (Visiting Angels) who spend 2 hours with her twice a day on weekdays. (11 am - 1 pm) and 4 pm - 6 pm) They make sure she has meals and takes her meds as prescribed. She is 84 and doing very well still living in her own home.

My husband and his 2 siblings also go by to check on her several times a week and on weekends and have installed a camera system so they can see what's going on in her house on their cell phones at any time. They also take care of her home maintenance, grocery shopping, finances, etc.
Click to expand...

Thank you C’est Moi for your support. Your MIL sounds like she’s well cared for by the visiting angels and family. My mom will be 84 this February and my dad will be 89 this December. We have a non profit organization called VON who visit them daily including weekends and holidays. They do light housekeeping including cleaning the fridge however my father is giving the people a difficult time throwing things out including rotting food from the fridge. My father suffers with OCD and unfortunately it has gotten worse with age. I’m somehow going to need to intervene somehow to help with this situation because these ladies are appearing afraid of him which REALLY bothers me.
 
Aunt Bea said:
I don't know anything about the Canadian system but the fact that your parents are getting daily visits means that they already have a toe in the system. I would let the caregiver's evaluations/recommendations be the determining factor of what happens going forward.

Good luck!
Click to expand...
You are EXACTLY right Aunt Bea. I WILL let the caregivers decide when my parents need to go into a home. This way I’m kept out of the decision making and perhaps will gain some trust from them. I don’t want them feeling like we are trying to take their home away from them. They’ve had this same property since 1972 so are accustomed to it. Allowing them to stay as long as they possibly can IS following their wishes which I’d very much like to do. I think these caregivers were trying to reassure me that my brother and I don’t have to make that choice nor are we qualified to do so, which is wonderful news.
If my father needs to go in long term care first then my mom won’t last long because my father does all the cooking and cleaning but always has. She won’t be able to manage on her own without him.
If she goes first I don’t know if he can handle being on his own. Like my own husband, he hates being in his own.

Caring for aging parents is really difficult and an emotionally roller coaster to deal with. Thank you for the practical advice Aunt Bea.
 
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StarSong said:
Hi Keesha,

I have some experience with shepherding parents and in-laws though this on the US side of the border. We generally use the term Assisted Living (or AL) for the kind of retirement homes you mentioned, and I'm assuming the Long Term Care facilities are what we call either convalescent homes, or Skilled Nursing Facilities (SNF).

AL: Wheelchair or walkers, dispensing vitamins and medications including insulin, driving to doctor appointments, some light assistance with bathing or dressing, and even adult diaper use, would be a yes for AL. There's a basic rent amount which includes room and board. All else is a la carte. The more services the resident requires, the higher the monthly rate. Many ALs have an RN or LPN on staff for at least 8 hours a day.

Most ALs also have a Memory Care unit for people with severe cognitive losses, or those with moderate losses but have become "wanderers." Memory Care residents require more care and the rates are therefore higher.

ALs have codes of conduct. They can - and do - evict residents who are difficult, disruptive or whose care needs exceed what the facility can provide. Active alcoholism is usually not tolerated for very long. (My dear friend's difficult father was kicked out of several places because of his drinking problems. The experience was a nightmare, much like having a troubled teen who repeatedly gets suspended or expelled from school.)

SNFs are for people with medical conditions that go beyond what the AL and the residents themselves are able to manage. Without getting too deeply into the ins and outs of it, SNFs in the US are typically covered by Medicare for up to 100 days. After that the patients have to pony up and spend down their own assets. SNFs look a lot like hospitals. Often there are a couple of beds to a room, there are RNs on staff, fully staffed PT rooms with therapists who coordinate care with the patients' doctors, and MDs frequent the places. Many SNF residents are there for short term stints on a step-down basis from hospitalizations. People are there out of medical necessity.

Many ALs are quite nice and lean toward amenities one might find in a nice hotel or cruise ship. SNFs tend to be like hospitals in that people are eager to leave as soon as they can.

I hope this is helpful and wish you the best.
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Thank you for all the information you have provided. It appears like our services here are quite similar to yours but with different names. It’s very helpful to know so thank you Starsong.
Heres some additional information for Canadians going through this transition.

http://www.comfortlife.ca/retirement-communities/ontario-independent-living


http://www.orcaretirement.com/retirement-living/types-of-care/


Here is information about resources to help in the transition.
https://www.aplaceformom.com/canada/how-to-pay-for-senior-housing


https://www.ontario.ca/page/seniors-find-place-to-live


https://www.seniorszen.com/care/province/ontario


Here’s a new idea for for retirement living for those opposed to the old idea of nursing homes.
You get together with other people and share retirement. It actually makes retirement housing ( living ) sound exciting.


http://www.canadianliving.com/life-...forgo-a-retirement-home-for-a-co-living-space
 
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For USA residents, I would like to point out something to those of you who have Long Term Care insurance. As I previously stated, my MIL is mostly housebound (no longer drives) and receives home healthcare visits to assist because she wants to remain in her home. This in-home care is covered by her LTC insurance, and I imagine it is much more cost-effective than if she were living in a facility.

It seems that every few weeks, my husband has to do battle with the LTC provider over her coverage. They raise premiums, require all sorts of paperwork from doctors, try to deny coverage... it's a never-ending battle. MIL has been evaluated and re-evaluated by their specialist; her own doctor's order was insufficient. (She has memory problems but no "dementia" diagnosis yet, gets confused with medications, etc.) As with most types of insurance, the LTC coverage providers put a lot of effort into trying to figure out how NOT to pay for her care.


If my MIL had to deal with the LTC provider on her own, she'd be confused and bamboozled into receiving NO BENEFIT. So please don't assume that because you have paid for long term care that it will be a walk in the park "when the time comes." It's a bunch of on-going red tape that someone will need to be willing and able to handle, and it never ends.
 
C'est Moi said:
For USA residents, I would like to point out something to those of you who have Long Term Care insurance. As I previously stated, my MIL is mostly housebound (no longer drives) and receives home healthcare visits to assist because she wants to remain in her home. This in-home care is covered by her LTC insurance, and I imagine it is much more cost-effective than if she were living in a facility.

It seems that every few weeks, my husband has to do battle with the LTC provider over her coverage. They raise premiums, require all sorts of paperwork from doctors, try to deny coverage... it's a never-ending battle. MIL has been evaluated and re-evaluated by their specialist; her own doctor's order was insufficient. (She has memory problems but no "dementia" diagnosis yet, gets confused with medications, etc.) As with most types of insurance, the LTC coverage providers put a lot of effort into trying to figure out how NOT to pay for her care.


If my MIL had to deal with the LTC provider on her own, she'd be confused and bamboozled into receiving NO BENEFIT. So please don't assume that because you have paid for long term care that it will be a walk in the park "when the time comes." It's a bunch of on-going red tape that someone will need to be willing and able to handle, and it never ends.
Click to expand...

I second this, CM. I've had to sort out Medicare bills for my mom and in-laws that they couldn't manage themselves. One bill was over $47,000 dollars and my FIL was prepared to pay it until I stepped in. It took months of diligent follow-up and hounding to get the error fixed.

Without a diagnosis that falls in a fairly narrow framework, Assisted Living is not covered by LTC Insurance. Nursing homes and SNFs, generally yes. ALs, generally no.

Your in-laws are fortunate to have you and your husband taking this on for them. The sentence I bolded in your quote is the ever-loving truth.
 
Keesha said:
The alcoholism is something I’m very concerned about. They drink an incredible amount; 5 or 6 ( 26 ounce bottles of brandy ),
a bottle of scotch , a few ( 3 litre ) boxes of wine, and about 30 or 40 tall imported beers in a months time. It seem like an awful lot to me and they fight and get nasty with each other at times and even though they are used to it, others aren’t. If they were to go into a retirement home where they had their own apartment, there’s a very good chance they be kicked out ( evicted ) and it really worries me. Plus it’s harder for their body to heal with all this drinking they are doing. They rarely go outside for some sunlight or fresh air. This is the lifestyle they are used to and it’s quite sad.

Thanks for your support RaddishRose. It’s much appreciated.
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Keesha, if their health is so poor, how do they get their alcohol? Does one of them still drive? If they went into a treatment home, would the home restrict their access to alcohol? I am pretty certain that a nursing home would do so.

I have dealt with alcoholics, and I believe there is just a point where you simply have to let go and let them self-destruct if they are going to. I'm so sorry you have to go through this.
 
C'est Moi said:
For USA residents, I would like to point out something to those of you who have Long Term Care insurance. As I previously stated, my MIL is mostly housebound (no longer drives) and receives home healthcare visits to assist because she wants to remain in her home. This in-home care is covered by her LTC insurance, and I imagine it is much more cost-effective than if she were living in a facility.

It seems that every few weeks, my husband has to do battle with the LTC provider over her coverage. They raise premiums, require all sorts of paperwork from doctors, try to deny coverage... it's a never-ending battle. MIL has been evaluated and re-evaluated by their specialist; her own doctor's order was insufficient. (She has memory problems but no "dementia" diagnosis yet, gets confused with medications, etc.) As with most types of insurance, the LTC coverage providers put a lot of effort into trying to figure out how NOT to pay for her care.


If my MIL had to deal with the LTC provider on her own, she'd be confused and bamboozled into receiving NO BENEFIT. So please don't assume that because you have paid for long term care that it will be a walk in the park "when the time comes." It's a bunch of on-going red tape that someone will need to be willing and able to handle, and it never ends.
Click to expand...

We current don’t have to deal with this but I’m quite certain we will be later on. Insurance companies can sure be scammers.
My fathers insurance for traveling became so much that they couldn’t afford to drive down to Florida any more. This is actually a blessing for them because that is a really long drive and I’m actually surprised my father still has a licence. He had a mini stroke a while back. My father in law had a mini stroke and they revoked his licence for about 3 months and then retested him to get his licence back and he passed.

Insurance companies are scammers. Of course they don’t want to offer coverage. From my understanding , they don’t pay for long term care; they only pay for their accommodation or rooming fees. I don’t assume this will be a walk in the park on any level. I’m just happy that I’m figuring out some if it . For a while my brother and I were totally clueless but gradually we are learning.

Thanks again for sharing your story C’est Moi.
 
StarSong said:
I second this, CM. I've had to sort out Medicare bills for my mom and in-laws that they couldn't manage themselves. One bill was over $47,000 dollars and my FIL was prepared to pay it until I stepped in. It took months of diligent follow-up and hounding to get the error fixed.

Without a diagnosis that falls in a fairly narrow framework, Assisted Living is not covered by LTC Insurance. Nursing homes and SNFs, generally yes. ALs, generally no.

Your in-laws are fortunate to have you and your husband taking this on for them. The sentence I bolded in your quote is the ever-loving truth.
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The good news for us is that the people that are working for my parents ARE qualified to make the decision that my parents need long term health care and it IS paid for by the government . From my understanding, once they get in, they’re in .
I trust that these people know what they are talking about.
 
Butterfly said:
Keesha, if their health is so poor, how do they get their alcohol? Does one of them still drive? If they went into a treatment home, would the home restrict their access to alcohol? I am pretty certain that a nursing home would do so.

I have dealt with alcoholics, and I believe there is just a point where you simply have to let go and let them self-destruct if they are going to. I'm so sorry you have to go through this.
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Yes, apparently both my parents still have their licence to drive. They’ve both had mini strokes but my father said his doctor only suggested that he doesn’t drive. I know my FIL had a mini stroke this year and his licence was completely revoked for a few months and he had to be retested to get it back and passed successfully. He was happy that he wasn’t asked to parallel park. Lol. My father could possibly be lying.


So yes my father manages to drive himself into town, go grocery shopping , purchase the groceries they require yet can’t put their garbage out. They basically just do want they want now. When I first connected with them two years ago there were over 30 bags of garbage in their basement. Without going into details , it was really disgusting but basically they just stopped throwing it out and perhaps just adapted to the smell. The smell of their house is something I’ve been working on since I first reconnected with them because I have to go there too.


If they go into a retirement home voluntarily, then they would have their own facility and be able to drink and would most likely get evicted because with this type of retirement living , they can be evicted. With Long Term Care retirement living, they don’t get their own room. In fact, they aren’t even allowed to live together since it is gender divided. They would be sharing rooms with others but would have full medical services 24/7 fully paid for by our government. This type of facility they would NOT be able to drink like they do nor can they be evicted from the facility. It’s illegal to do so.


This is why this type of retirement living would suite them best and it allows them to stay in their home the maximum amount of time which was their ultimate wish which makes my brother and I very relieved. And yes they definitely ARE going to self destruct and it’s heart breaking to witness but there’s only so much we can do. My brother isn’t anywhere near as emotional as I am. When he goes there he treats them and the role like a job. There’s not a lot of interaction between them but he gets what he needs to get done and leaves. I’m actually learning from my brother because I’m finding this approach VERY helpful while dealing with them otherwise I’d be a total basket case. :(
 
Keesha said:
Yes, apparently both my parents still have their licence to drive. They’ve both had mini strokes but my father said his doctor only suggested that he doesn’t drive. I know my FIL had a mini stroke this year and his licence was completely revoked for a few months and he had to be retested to get it back and passed successfully. He was happy that he wasn’t asked to parallel park. Lol. My father could possibly be lying.


So yes my father manages to drive himself into town, go grocery shopping , purchase the groceries they require yet can’t put their garbage out. They basically just do want they want now. When I first connected with them two years ago there were over 30 bags of garbage in their basement. Without going into details , it was really disgusting but basically they just stopped throwing it out and perhaps just adapted to the smell. The smell of their house is something I’ve been working on since I first reconnected with them because I have to go there too.

If they go into a retirement home voluntarily, then they would have their own facility and be able to drink and would most likely get evicted because with this type of retirement living , they can be evicted. With Long Term Care retirement living, they don’t get their own room. In fact, they aren’t even allowed to live together since it is gender divided. They would be sharing rooms with others but would have full medical services 24/7 fully paid for by our government. This type of facility they would NOT be able to drink like they do nor can they be evicted from the facility. It’s illegal to do so

This is why this type of retirement living would suite them best and it allows them to stay in their home the maximum amount of time which was their ultimate wish which makes my brother and I very relieved. And yes they definitely ARE going to self destruct and it’s heart breaking to witness but there’s only so much we can do. My brother isn’t anywhere near as emotional as I am. When he goes there he treats them and the role like a job. There’s not a lot of interaction between them but he gets what he needs to get done and leaves. I’m actually learning from my brother because I’m finding this approach VERY helpful while dealing with them otherwise I’d be a total basket case. :(
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What a difficult situation this is, Keesha. May you find a way to help them while keeping their problems from infecting you and causing you a lot of heartache.
 
Keesha said:
The alcoholism is something I’m very concerned about. They drink an incredible amount; 5 or 6 ( 26 ounce bottles of brandy ),
a bottle of scotch , a few ( 3 litre ) boxes of wine, and about 30 or 40 tall imported beers in a months time. It seem like an awful lot to me and they fight and get nasty with each other at times and even though they are used to it, others aren’t.
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I feel for you Keesha, and your parents, and the caregivers but I agree to leave the decisions up to the professionals and then your parents can't blame you for anything.

I can't imagine that their liver and kidneys aren't already damaged at this point not to mention all of the other negative health affects of alcoholism, some life threatening. I can't see that alcoholics would be welcomed into a retirement community of any sort, especially with anger and loud yelling issues when drunk.

And I can't imagine the difficulty of going through withdrawal symptoms at their age. Government assisted long-term care is probably what the professionals will recommend. You and all involved are in my prayers.
 
StarSong said:
I second this, CM. I've had to sort out Medicare bills for my mom and in-laws that they couldn't manage themselves. One bill was over $47,000 dollars and my FIL was prepared to pay it until I stepped in. It took months of diligent follow-up and hounding to get the error fixed.

Without a diagnosis that falls in a fairly narrow framework, Assisted Living is not covered by LTC Insurance. Nursing homes and SNFs, generally yes. ALs, generally no.

Your in-laws are fortunate to have you and your husband taking this on for them. The sentence I bolded in your quote is the ever-loving truth.
Click to expand...

Thanks. I often hear people stating that they are "secure" because they have paid expensive premiums for Long Term Care insurance and I wonder if they have any idea of the red tape that awaits. Seems to me that people who need the LTC are the very ones who will not be able to handle all the challenges to their coverage, so they likely will need an advocate.
 
I’m quickly learning not to involve my parents in more things than need be.
For weeks now I’ve been trying to keep my father posted on things but I’m learning that the less options he has to choose from the better he is to deal with. Dealing with some forgetfulness along with OCD is tough.

Another mistake I’ve made is making how much they drink my business. It’s not. When the time comes when they need to move, the people in charge will deal with that because it’s not my concern.

Learning how to communicate seems to be key and at times I mess up BUT I’m learning.
 
Keesha said:
When the time comes when they need to move, the people in charge will deal with that because it’s not my concern.
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Given what little I know of you, Keesha, I'm fairly confident that if your get kicked out of a facility you are highly unlikely to turn your back on them, so it will become your concern. You might not be able to control their drinking, but their alcoholism will likely pop up on your radar screen until they are no longer able to procure alcohol.

All kinds of new and interesting challenges crop up when people with cognitive losses get help, whether that comes in the form of visiting caregivers or facility living. You'd be stunned at how many people confusedly pick up and wear someone else's dentures, money (that may or may not have actually existed) gets reported missing, formerly mild-mannered men develop aggressively roving hands, your parents' jacket gets picked up by someone else in the dining room (and unless you point it out neither resident realizes who originally owned that garment), some will argue over twenty-five cent bingo like it's Blackbeard's treasure, and so forth.

As long as your parents don't indulge in deal-breakers, they and you should be ok. I think you're wise to do most of the decision making on their behalf. Do you have medical and legal power of attorney?

Parents in ALs or SNFs can be a wild (and occasionally hilarious) ride. I won't bore you with stories of my experiences with parents in those types of facilities, but trust me that a good sense of humor on your part will be a necessity.
 
C'est Moi said:
Thanks. I often hear people stating that they are "secure" because they have paid expensive premiums for Long Term Care insurance and I wonder if they have any idea of the red tape that awaits. Seems to me that people who need the LTC are the very ones who will not be able to handle all the challenges to their coverage, so they likely will need an advocate.
Click to expand...
When you think about it - some of us will get to the point that we can't even write a check. LTC is for the "other" partner or those with the responsibility for the elderly person.

We are thinking of the "next step". There is the CCRC approach where you put a lot up front and keep a lot in reserve. We are going a different route - LTC. I sure it works out.
 
Keesha, you will be in my thoughts during this time. You're entering a damned-if-you-do-and-damned-if-you-don't situation. My only advice would be to keep them in their home as long as you can. Trying to get good home care, though, is not easy.

You're right that an AL will kick them out as soon as they start causing trouble. Unfortunately, SNF's also have their own sneaky ways to get rid of "problem" patients. The Spousal Equivalent's mom developed dementia on the third day she was in the SNF and they were making strong noises that we'd have to move her to another facility that had a "memory unit". She died only days later.
 
ray188 said:
When you think about it - some of us will get to the point that we can't even write a check. LTC is for the "other" partner or those with the responsibility for the elderly person.

We are thinking of the "next step". There is the CCRC approach where you put a lot up front and keep a lot in reserve. We are going a different route - LTC. I sure it works out.
Click to expand...

From what I have read of "CCRCs", the upfront costs are $100,000 to $1 million. Uhhhh, I don't think so.
 

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