Learn about memory care in senior communities: benefits, costs, types, and how it differs from other senior care, all in one concise article.
Introduction
If you are struggling to provide care for your loved one with dementia at home, it may be worth considering memory care communities. As the condition of your loved one progresses, the level of care they require may change over time and make it challenging for you to meet all their needs without support. At some point, relocating your loved one to a senior community may be the best course of action. It’s natural to feel anxious or distressed about this decision, but it will bring you great comfort knowing that your loved one is secure and receiving quality care.
Choosing the ideal place for your loved one can be an overwhelming decision to make and you may find it difficult to know where to start. This article contains helpful information that can guide you through the process of understanding the benefits and costs of the different types of memory care available and help you get started on your search.
Understanding Memory Care: How It Differs from Other Senior Care Options
A great way to start your search is to understand what memory care is, why it may be the right choice for your loved one, and how it differs from other types of care.
Memory care is a specialized type of senior care that caters to individuals with memory impairments. It involves providing specialized care and support to meet the unique needs of your loved one with dementia. Memory care varies from other senior care options such as assisted living or nursing homes in several aspects.
First, memory care facilities are designed for the specific needs of people with dementia which may include features like secured entrances and exits to prevent wandering, easy-to-navigate layouts, and memory-enhancing technologies.
Second, these facilities offer specialized memory care programs and services that are tailored to those with memory impairments. These may include activities that promote cognitive stimulation, memory retention, and social engagement.
Lastly, the staff members in memory care communities are trained in providing specialized care to individuals with dementia. They may have additional education and experience in areas such as dementia care, behavioral management, and communication strategies.
When Living at Home is No Longer an Option: Know the Signs
Caring for a loved one in your own home can be a good option for a family caregiver, not only because it is cost-effective but it also gives you a sense of fulfillment. But what if your loved one needs more care than what you can provide at home? In that case, it may be time to consider moving them to a senior community.
Here are some signs to look out for that may indicate it’s time to consider a transition:
Worsening cognitive decline
If your loved one’s memory and cognitive abilities are declining rapidly despite in-home memory care treatments, they may need more advanced care. Sometimes it is also helpful for them to transition while they are still able to adapt and make new friends.
Safety concerns
If your loved one is becoming increasingly forgetful or disoriented, they may be at risk of accidents or wandering. Memory care in senior communities can provide a secure environment and specialized safety measures to ensure their well-being.
Elevated stress levels among caregivers
If the demands of providing in-home memory care are becoming overwhelming for you as a caregiver or are adversely impacting other family relationships, it may be appropriate to move them out of your home to a community where they can receive 24/7 care and support.
Social isolation
Memory care in senior communities can provide opportunities for socialization and engagement with peers and staff if your loved one is becoming increasingly isolated and withdrawn due to their memory impairment.
Need for more specialized care
If your loved one’s memory care needs are becoming more complex or require more specialized treatments such as occupational therapy, speech therapy, or medication management, a senior community may be better equipped to provide these services.
Keep in mind that every individual’s situation is unique, and the decision to transition to a senior community should be made in consultation with their healthcare provider, family members, and other caregivers.
Types of Memory Care in Senior Communities
If you believe that your loved one is displaying the signs mentioned above, then it is advisable to consider transitioning them to a senior community and selecting an appropriate type of memory care as the next step.
Memory care facilities offer the much-needed relief that your loved one needs. They can assist people with dementia in maintaining their quality of life and help them make the most of each day. They typically offer a range of memory care services and amenities specifically tailored to meet the unique needs of their residents. Understanding the types of memory care available can help you choose the most appropriate care for your loved one.
Here are some common types of memory care in senior communities:
1. Adult Day Center
Adult day centers offer a safe and organized setting for individuals with dementia to spend their day while their main caregiver attends work or takes a much-needed break for their well-being.
These centers offer a range of activities, direct supervision, and socialization opportunities. Individuals with dementia can engage in socially stimulating activities, participate in programs, and enjoy a healthy lunch and snack.
Adult day centers are a great option for caregivers who work either part-time or full-time. These centers typically run for 7-10 hours a day and may provide convenient daily pick-up and drop-off services. Additionally, some centers may offer care services during evenings or weekends to accommodate different schedules.
2. Residential Care
Residential memory care is provided within a community setting, intended for individuals requiring round-the-clock emergency care and/or medical supervision. This type of care caters to those with more complex medical requirements compared to in-home care settings.
It’s essential to note that different kinds of residential memory care communities are each tailored to a range of needs by offering different levels of care.
Examples of residential care include:
Independent living
Seniors who are capable of functioning independently often choose independent living communities. These communities are better suited for seniors in the early stages of dementia. They typically offer apartment or condominium-style living spaces, with the option to add private duty services like housekeeping and personal care, either on-site or through a third-party agency. Additionally, social activities are often provided to enable seniors to interact with their peers.
“Continuum of Care” is also referred to as “Continuing Care Retirement Communities” (CCRCs)
A community that provides a continuum of care is tailored to address the changing requirements of individuals with dementia. This community offers a range of services, from part-time memory care to round-the-clock assistance, all within one facility. If a resident’s needs change, they can easily transition to a different level of care within the same community.
Assisted Living
Assisted living memory care communities cater to individuals who require occasional assistance with medical care, meal preparation, and emergency response but do not yet require round-the-clock care. These communities typically offer apartment-style accommodations, organized social activities, and personalized support services for residents who need help with activities of daily living such as dressing, bathing, and moving around.
Nursing Home Care
Nursing facility care is well-suited for individuals in the later stages of dementia, as their required level of care may exceed what family members can provide.
Nursing home care provides round-the-clock supervision and skilled nursing care, as well as similar services to those offered in assisted living communities, such as assistance with activities of daily living (ADLs) and regular activities. However, it’s worth noting that the monthly cost of skilled nursing facilities can be quite high.
3. Dementia Special Care Units (SCUs) (also referred to as memory care units)
Special Care Units (SCUs) are specialized memory care units designed to meet the needs of individuals with dementia. They can be found within various types of long-term care facilities, such as assisted living. Typically, people with dementia are grouped together on a specific floor or unit within a larger care facility.
In certain states, nursing homes and assisted living facilities are required by law to disclose their fees and provide a list of specialized services offered by their SCUs, such as trained staff, tailored activities, and the ability to manage residents with behavioral issues. However, laws differ by state, so it’s crucial to ask specific questions about the type of care provided in an SCU to ensure that it meets the individual’s needs.
4. Respite Memory Care
Respite memory care is a short-term stay in a memory care facility for individuals with memory loss, typically for a period of days to weeks. It provides temporary relief for family caregivers who need a break from their caregiving responsibilities, or when they are unable to provide care due to other obligations, such as work, travel, or health issues.
Respite memory care can also be an excellent way to introduce a loved one to a memory care facility before making a permanent move. It provides an opportunity for the person with memory loss and their family to become more familiar with the facility and its staff, allowing them to determine whether it is a good fit for their long-term needs.
5. Hospice Care
Hospice care is a type of care that provides comfort and support to individuals who are in the final stages of a life-limiting illness or condition. The primary focus of this care is to alleviate pain, manage symptoms, and enhance the quality of life, rather than attempting to cure the underlying illness.
Overall, if you’re uncertain about which type of memory care is best for your loved one, it’s always a good idea to consult with a medical professional before choosing the type of memory care. A doctor or other medical staff member can assess your loved one’s condition and can help you determine the level of care they need. They can also recommend the best type of memory care facility or program for your loved one’s specific needs.
Benefits of Memory Care in a Senior Community
Now that we’ve covered memory care in senior communities, the different types of senior care, and the signs indicating when your loved one may need to transition from in-home care to a community, let’s explore the benefits of memory care in senior communities.
Memory care in senior communities can provide many benefits to both the person with memory loss and their loved ones. Here are a few potential benefits:
Professional care
Memory care facilities have trained staff members who specialize in caring for people with memory loss. They can provide a higher level of care than what many family members can provide at home.
Structured environment
Memory care facilities typically have a structured daily routine that can help people with memory loss feel more secure and less anxious. This can include regular meals, activities, and social interaction.
Safety
Memory care facilities are designed with safety in mind, with features such as secured entrances and exits, monitored medication administration, and staff trained to handle challenging behaviors.
Socialization
Memory care facilities provide opportunities for socialization and engagement with others, which can be beneficial for people with memory loss who may otherwise be isolated at home.
Respite for caregivers
For family members who are serving as caregivers, memory care facilities can provide a much-needed break and respite. This can help prevent burnout and allow caregivers to better care for their loved ones when they are at home.
Keep in mind that every person with memory loss is unique, and not every memory care facility will be the best fit for every individual with dementia. To make an informed decision, it is essential to conduct thorough research and visit different facilities.
Finding the Right Memory Care Community
It can be a bit overwhelming to find the right memory care community for your loved one, especially if you have multiple choices in your area.
To help you make the process smoother, here are a few steps to take:
1. Consider visiting multiple care communities and schedule an appointment for your initial visit. Additionally, try to drop by for one or two unannounced visits to observe the environment and engage with both the staff and residents, along with their loved ones.
2. During your visit to a senior community, inquire about the most recent survey/inspection report and, in states where applicable, request the Special Care Unit Disclosure form – as per regulations. If the facility is a nursing home, you may want to consult Medicare’s Nursing Home Compare website to gauge its performance against the national average.
3. To gain a comprehensive understanding of the care setting, it may be best to visit at different times throughout the day, including during meal times.
4. Inquire with the care provider regarding room availability, expenses, and eligibility for Medicare or Medicaid coverage. It may be wise to register your name on a waiting list, even if you haven’t made the decision yet.
5. When paying out of pocket (or privately), it’s advisable to ask about the protocol if the person with dementia exhausts their funds. Some care communities accept Medicaid, but others do not. Some will accept it after a period of residence, usually 1 to 3 years. If you anticipate the need for Medicaid coverage, it may be wise to consult with an attorney specializing in elder care before relocating to a senior community to establish a sound financial plan.
Cost of Memory Care in Senior Communities
The cost of senior memory care is generally higher due to the level of care and supervision provided. According to the Genworth Cost of Care Survey 2021, the average monthly cost for memory loss care in the U.S. is $6,935. The cost varies on the level of care required and the state you’re in.
Typically, memory care costs are covered by families using their financial resources. If your loved one has obtained long-term care insurance, it can be a great help. Families may utilize their personal assets, such as selling their homes, or access the “living benefits” on a life insurance policy to cover the costs. You may also rely on government aid programs to cover long-term care needs.
In some cases,Medicare may cover certain medical services and medications related to memory care but typically does not cover the cost of long-term care in a memory care facility. Veterans who meet certain qualifications and surviving spouses who are 65 years or older may be eligible for benefits that help cover the costs. The Veterans Affairs (VA) provides memory care services through its own facilities or contracted providers for eligible veterans. Moreover, Medicaid may provide coverage for long-term care once an individual’s assets have been depleted, but it depends on whether the facility accepts Medicaid.
If you think that your loved one may need memory care in a senior community, it is recommended that you consult with an elder law attorney for proper planning.
Conclusion
Memory care is an essential component of senior communities, particularly for those living with cognitive impairment or dementia. These dedicated communities offer specialized care, safety, and memory support that promote quality of life for seniors with dementia. While the cost of memory care can be significant, options such as long-term care insurance, personal assets, and veterans’ benefits can help families cover the expenses. If you or a loved one requires specialized memory care, we encourage you to seek the advice of an elder law attorney as you explore memory care options. They are equipped to offer guidance on how to plan for the care and financial security you and your loved ones will need as you age.