If you are nodding your head to any of the above, please contact us to talk through your thoughts and questions. We also invite you to schedule a tour of the Traditions of Columbus community, at your convenience, where you can see daily life unfold and get trusted answers to your questions. You can also visit our Decision Toolkit for information and advice on everything from paying for senior living, living options and assistance and managing change.
We can help with laundry, housekeeping, medication and daily care and activities as much or as little as needed. And our nurses are here around the clock for added peace of mind.
Most importantly, we are guests in your loved one's home. We are here to make them more comfortable, to feel warm and welcome. We'll keep you posted on how they're doing and invite you to visit as often as you'd like.
All of these things are included at Traditions of Columbus. Ask for our worksheet to run the numbers and get a better feel for where you stand. Or get in touch with us and we can help you determine the best option for you.
If you are a wartime veteran or the surviving spouse of a wartime veteran, you may be entitled to a widow's pension. The U.S. Department of Veterans Affairs offers two different special pensions called 'Housebound' and 'Aid and Attendance' (A&A).
To be eligible, the veteran must have served at least 90 days of active-duty military service, at least one day of which was served during a period of war. A longer time in service requirement may be required if discharged after September, 1980. The veteran need not have served in a combat area. The veteran's military discharge must be other than dishonorable. Since pension benefits are based on need, the VA determines if net-worth is sufficient to meet the claimant’s basic needs without assistance from the VA.
To qualify under the VA’s housebound category, you need to show that due to your disability you are substantially confined to your dwelling and the immediate premises. Additionally, a VA 21-2680 exam from must be completed by a Doctor and certify that the veteran or the surviving spouse is either housebound or needs the aid and attendance of some other person in order to perform daily functions.
Aid & Attendance (A&A)
To qualify under the Aid and Attendance, a veteran or surviving spouse must show one of the following:
VA must consider income from all sources when reviewing the application. This includes Social Security income, income from investments (interest income), retirement pensions or 401K, income from rental property, etc. If the veteran is married, the income from both is considered.
Some on-going medical expenses can be used to reduce countable income. This includes cost for Assisted Living care, in-home care, and medical supplemental insurances. If you have been rated 'Housebound' or in need of 'Aid & Attendance,' and you are paying for in-home care, the provider does not have to be a licensed health care provider for you to claim this deduction.
Knowing the type of features and services that are important to you determines the best type of policy and insurance company for you.
Remember that some long-term care insurance policies stipulate that payment for assisted living is determined by a person's ability to perform two or more "activities of daily living." Some insurers may require a physician evaluation, with a physician of their choice to determine if your condition qualifies for coverage.
A "facility-only" policy covers care received in a licensed assisted living facility or skilled nursing facility, but not care in an unlicensed facility or your home. Integrated home care policies with 100% protection for care received either at a licensed assisted living facility or skilled nursing facility or an unlicensed setting, like your home are always an option worth investigating.
Nursing Homes and Alzheimer's Care
Nursing home care and Memory Care is paid by long-term care insurance, but with stipulations. Policy terms may vary widely, so be aware of what is and isn't included and the terms of coverage.
We will gladly refer you to trusted estate sale professionals and movers, as well as information on donation sites and pick-up services throughout your area. We even refer people to this great move checklist when it comes to selling your house.
Remind yourself that your goal is not to get rid of things you hold dear, but to simplify your life. If you can’t decide on an item, a family member or friend can always hold for safekeeping or you can put it into storage.