dedicated to exceeding your expectations … always long term living resources for families m ichele...

Dedicated to exceeding your expectations … always

Long Term Living Resources for Families

MICHELE MANZO-LEMBO

MARK A. LEMBO

Area Representatives

presented to

City of Tampa

Agenda

Introducing Always Best Care Senior Services (ABC)Long-term Living Services

o What is it?o How to pay for it?

ABC’s solutions for families

Introducing Always Best Care...

Our Mission: We’re local experts in senior care, providing a resource for aging and senior living delivered through locally-owned and operated offices around the country.

Since 1996, Always Best Care has provided non-medical in-home care and senior living finder and referral services.

Tampa/FL West Region Michele and Mark Lembo

Area Representatives

Hillsborough/South Tampa to Sun City Center

Jennifer and Bob Morgan

•

Greater Tampa Bay Team

What does “Long-Term Living” mean to you?

Long-Term Living Services

What? Variety of services which help meet the medical and/or non-medical needs of people with a chronic illness or disability who cannot care for themselves over an extended period of time.

Who? Acute Long-Term Care needs

• Recovering from an accident or surgery• Relatively shorter-term care needs

Chronic Long-Term Care needs• Prolonged illness or disability• Limited physical or cognitive functioning

Long-Term Living Planning is…

Living well as we age

Maintaining independence and control

Knowing our options

Consulting with legal & tax professionals

Communicating with family

Taking action

Personal (and Custodial) Care

• Non-skilled care• Provided in a variety of settings - private

homes, boarding houses, assisted living facilities, or skilled nursing facility (aka nursing home)

• Supervisory care may provide monitoring and support in a controlled environment

• Provides assistance with Activities of Daily Living and Instrumental Activities of Daily Living…

Activities of Daily Living (ADLs)

Six basic actions performed by an independently functioning person on a daily basis…

o Eatingo Bathingo Dressingo Toiletingo Caring for incontinenceo Transferring (moving to and from a bed

or a chair)

Instrumental Activities of Daily Living(IADLs)Activities often performed by a person who is living independently in a community setting during the course of a normal day…

o Shoppingo Preparing mealso Managing moneyo Travel in communityo Housekeeping and laundryo Taking medications correctly

Home and Community-Based ServicesAdult Daycare ServicesVisitor / Companion ServicesHome Care ServicesSkilled/Home Health Care ServicesRespite CareMeal ProgramsSenior CentersTransportation ServicesEmergency Response Systems

Understanding the Impact of Family Caregiving on Work• Most Family Caregivers Juggle Caregiving With

Employment– 61 % of family caregivers age 50-plus work either

full-time (50 %) or part-time (11%).• More Workers Have Eldercare Responsibilities

– 42 % of U.S. employees have cared for an aging relative or friend in the last five years.

– Workers with eldercare responsibilities cut across all racial and ethnic groups.

– Nearly 1 in 4 (22 %) workers (45- to 64-year-olds) care for a parent - largest of any age group.

AARP Public Policy Institute Fact Sheet 271, October, 2012

Understanding the Impact of Family Caregiving on Work

• Costs of Caregiving Affects Both Individual Workers and Employers– U.S. business lose around $33.6 billion annually

in lost productivity from full-time caregivers.– 68 % family caregivers have made work

accommodations.– Research show a link between working

caregivers with eldercare responsibilities and their health care costs.

Understanding the Impact of Family Caregiving on Work

• Eldercare Benefits Help Adults Better Balance Job and Family Caregiving Responsibilities Eldercare programs benefit both employers and

employees – improving productivity, employee retention and health while reducing stress. On-site support groups, discount backup

home care, referrals to community caregiving resources

Flexible work arrangements, family leave, paid sick days

Understanding the Impact of Family Caregiving on Work

• Eldercare Benefits Help Adults Better Balance Job and Family Caregiving Responsibilities Eldercare programs benefit both employers

and employees – improving productivity, employee retention and health while reducing stress

On-site support groups, discount backup home care, referrals to community caregiving resources

Flexible work arrangements, family leave, paid sick days

Paying ForLong-Term Living

Long-Term Living70% of persons over age 65 will need long-term care during their lives.

Medicare (health insurance )covers limited stays in nursing homes when skilled nursing care is required.

Does NOT cover assisted living.

Medicaid (low income & savings)

may cover some assisted living costs, provides nursing home coverage. Facilities NOT required to take Medicaid.

Long-term Care Insurance frequently covers in-home help, assisted living facility costs and nursing homes.

@ 20 hrs/wk for 52 weeks

Source: US Dept of Health and Human Services 17

Dedicated to exceeding your expectations … always

Long-Term Living: Funding Sources

Out-of-pocket / retirement savings Family funds

Home equity loansReverse mortgages

Long-term care (LTC) insuranceMedicaid LTC/Managed Care

ProgramVeterans Administration programs

18

Employer, Group and Private Health Plan LTC Coverage

Short-term, skilled care Medically necessary Most health insurance plans will

not cover custodial LTC

We have assisted more than 25,000 seniors.We realize everyone has their own story and preferences.We work with clients to plan needed support and care to achieve the best solution using a variety of services and programs.

About Always Best Care...

Solutions-Based+

Options-Oriented

Comprehensive solutions and an array of options to match a client’s physical and

social needso Always in Touch Telephone Reassuranceo Homemaker/Companion Serviceso Personal Care Serviceso Senior Living Finder Services

Non-MedicalPlacing personal care attendants in the home or senior

communityHomemaker & Companion Services Prepare Meals, Pay Bills, Pet Caring, Run Errands,

Transportation, SitterPersonal Care Assistive/Personal CareSchedules from 1 hour to live-in (24/7)

In-home Care

Medical Home Health CareSkilled services – nursing and specialized therapy: doctor

orders.

Generally limited up to 60 daysChronic Disease Management

Coordinating MedicationsDiabetic Care

Pain Management Post Operative Care

Wound Care22

Exploring Senior Care & Housing AlternativesAging in Place / at Home

In-home CareHome Modifications

Senior Living OptionsIndependent Living / Retirement CommunityAssisted Living CommunityAdult Family Care HomeNursing Home / Skilled Nursing Continuing-Care Retirement Communities (CCRC)

Independent + Assisted Living + Nursing Home care 23

How many ALFs within a 30 Minute Drive of Here?

Answer: approximately 400

24

500+ Senior Communities in Tampa Bay Area

Consumers can drown in data from online searches

o Forget which sites they’ve visitedo Limited or no pricing info and no

comparisonsWe ADD VALUE: Inform, simplify, streamline Work to identify best community choices

Senior Living Finder

Always in Touch:Free Daily Phone Calls

When you need someone to reach out to you, Always in Touch provides free daily phone contact and peace of mind for seniors living alone.

It’s a free service from Always Best Care – our way of giving back to the communities we serve.

Personalized PlacementServices - FREE Work with clients on exclusive basis -

– central central point of contact for family and senior communities.

Meet with family to understand care needs, price range, desired location, social needs;

Match client’s needs to communities which best fit requirements based on our personal visits & evaluations;

Arrange guided community tours See client through the entire process All at no charge to the family

Veterans Assistance Program

• Always Best Care can help Veterans get the funds to pay for the care they need through our strategic legal partner – Center for Elder Veterans Rights.

• Our legal partner provides clients with an opinion of eligibility, and tracks the client’s claim status directly with the VA to expedite approval.

Aging & Disability Resource Centers

Elder Helpline1-800-96-ELDER

(1-800-963-5337)

National Clearinghouse forLong-Term Care Information

Dedicated to exceeding your expectations … always

CONTACT US

Michele Manzo-Lembo(813) 422-1561mmanzolembo@abc-seniors.com

Mark A. Lembo (813) 422-0750malembo@abc-seniors.com

www.facebook.com/AssistedLivingNavigator

www.AssistedLivingNavigator.wordpress.com

www.AssistedLivingNavigator.com

@AsstdLvngNvgtr

Always Best Care Florida West