When a senior is no longer able to perform tasks of daily life without a helping hand, they can either rely on family caregivers or move to an Assisted Living community.
There are many options for getting the funds to pay for such a move, from selling a home to getting a Long term care insurance policy to applying for a monthly pension through the Veterans Administration. The challenge, however, is finding ways to afford to move a senior sooner rather than later, as some of these financial tools can take weeks or months to process application paperwork.
Bridgette Duber, Senior Vice President of Sales for Elder Life Financial, said her company offers a low-interest, unsecured line of credit to up to six people for three years to bridge the gap between moving and receiving funds.
“We offer multiple solutions,” she said. “One phone call and the senior has access to everything we can provide.”
Approval often comes within 24-48 hours, and the borrowers only have to pay back the accumulated interest, offered at a rate of 8.25%.
Such a “bridge loan” can pay for the costs of assisted living while an “aid and attendance” application makes its way to the Department of Veterans Affairs, or VA, for inspection and approval. The monthly federal pension helps pay the cost of assisted living with married veterans eligible for up to $2,123 a month.
Elder Life’s line of credit also helps pay the cost of living expenses while collecting on a Long-term Care Insurance policy or converting a life insurance policy to cover daily needs rather than final expenses.
“Companion Living” can stretch dollars further by lowering the cost of living in a senior community by taking on a roommate – a good option for those who actually enjoy the close companionship.
Use of Medicaid to pay for senior care can be a last resort for low-income seniors if they can meet the strict financial guidelines in order to qualify. Medicaid wavers come from specific state programs to provide care and support to individuals outside of nursing homes, which are more expensive than Assisted Living communities. Indiana’s program considers an applicant’s income relative to their cost of care.
Indiana Home and Community-Based Services Waivers allow Indiana Medicaid programs to pay for services that are provided in a community setting rather than a Medicaid funded facility or institution. Persons must qualify for institutional care in order to be eligible for the services.
Other government resources include Social Security, Supplemental Security Income, Survivors’ Benefits, and State SSI Supplementary Payments.
Those with personal property may apply their resources to pay for Assisted Living, take out private loans or use their home equity. Life insurance that’s converted to pay for care, Long Term Care Insurance, Medicare, and other health insurance goes to pay for senior care in many cases.
Long Term Care Insurance can be an attractive option because monthly premiums are known in advance, allowing seniors to build them into a budget. Such policies may also offer flexibility to meet a variety of needs. Most of these policies come with elimination periods during which time the senior is not yet eligible for any benefits, typically between 20 and 100 days, making a line of credit from Elder Life more important for the senior who wants to start enjoy life in an Assisted Living community as soon as possible.
To learn more about moving to MorningSide of College Park Senior Living Community, call (317) 872-4567.
In this age of technology, not everyone realizes just how much has changed in the past century. But taking the time to tell stories to your younger relatives can be a great way to share history and life lessons. They can’t always be around to listen to what you have to say, but you can still share your life with them!
Writing down your life experiences is a wonderful way to connect with your family. It will give them tangible memories to hold on to and learn from when you can’t be there to talk to them. Angela Burton, a creative writing instructor who hosts the Oh! I Remember workshop for seniors, says, “The true gift is the legacy they are leaving their families… These stories would be lost forever, but by writing them down, we are capturing their whole persona before it’s too late.”
Delving into your past and writing it down can be good not only for your family, but also for you! Taking a look back and reminiscing can help improve cognitive function in seniors. It keeps your imagination active, and writing can give you a means of self-expression.
If you decide to begin writing about your life, here are a few things that might help:
You never know how your life can affect the lives of others; even years after the fact, a lesson you learned can help someone else! Writing gives you a way to make that connection with future generations, and your family will cherish your stories for years to come!
Making a move from a longtime home to an Indianapolis Assisted Living Community can be frightening for seniors, but it actually offers a lot of benefits that might not be apparent at first. Explaining these things can go a long way toward making the senior feel better about the transition.
For most of us, home represents independence and privacy in our minds, but these things are not necessarily lost in the move.
What does get lost is much of the hassles of living alone. Most retirement communities give residents the option to modify a space to make it feel more like home, including moving furniture and personal items.
The spacious apartments at MorningSide of College Park offer individually controlled heat and air, large bathrooms and full kitchens for independent retirement living. Our top of the line “Waterford” apartment provides 1,160-square-feet including two bedrooms and two baths.
Our Assisted Living program is more about providing services to help with dining, bathing, dressing, grooming, toileting, medication reminders, housekeeping and laundry, and mobility. MorningSide staff help straighten the senior’s apartment daily, wash dishes, take out the trash, wash and dry or iron personal laundry.
Living alone in a house also potentially means other challenges that simply no longer exist for them when a senior transitions to a place like MorningSide: No more yard to mow, leaves to rake, snow to shovel, weeds to pull, light bulbs to change, or carpet to vacuum. Someone else takes care of these chores. At the same time, hobbies such as gardening are still possible.
With activities provided and new friendships-in-waiting, we vanquish boredom and set the stage for relationships. Games, visits from entertainers and trips to various destinations make the days of sitting home alone a thing of the past.
It’s also worth considering that MorningSide of College Park is a safe environment where seniors can relax and not worry about home invasions or aggressive solicitors. Retirement communities are also there with assistance if a senior falls or needs help in other ways. After decades of living in urban spaces, someone can finally feel safe because they can spend time alone living in a space shared with many others.
Apartment-style senior living is an ideal living arrangement for those who value their privacy but also appreciate the peace-of-mind that comes from having a helping hand. Call (317) 872-4567 to schedule a consultation and tour of MorningSide of College Park.
Late spring was very wet this year in Indianapolis, but now that the solstice has passed and summer is officially here, it looks like sunnier, hotter weather is ahead. That’s good news for an-yone who was beginning to feel like they had wound up in Seattle instead of Indiana, but it does mean some health and safety precautions need to be taken to avoid dehydration, heat exhaustion, and other seasonal maladies that can affect the very young, the very old, and anyone who spends a lot of time outdoors, from sports enthusiasts to outdoor pets.
The first trick to beating the heat is to stay inside. Plan activities like board games, scrapbooking, book club, crafts, or indoor exercise during the hottest parts of the day, from about noon to four in the afternoon. Staying indoors is also a great way to protect your skin from harmful UV rays during the part of the day when they are strongest. Save outdoor activities for the evening when it’s cooler— that’s a great time to tend to the garden, go to a baseball game, or take an after-diner stroll with loved ones.
Whether your summer fun is indoors or out, it’s crucial to stay hydrated. Elderly people and those with chronic illnesses are especially susceptible to dehydration for a variety of factors. As we age, our bodies naturally retain less water, and kidney function may be reduced. Some medica-tions can also compromise the body’s ability to retain water. Seniors also may experience re-duced thirst or trouble swallowing, affecting their desire for fluids. Sipping on water, rather than tea, coffee, or soda, throughout the day, regardless of cravings can keep you hydrated. In fact, by the time you feel thirsty, you are already critically dehydrated.
There are many more serious side effects of dehydration than thirst to be aware of. One of the benefits of being a Morningside resident is the caring staff members who are trained in identifying such symptoms and keeping residents healthy. However, friendly and family may want to take note, as heat exhaustion and dehydration can affect people of any age. Symptoms can include mouth dryness, infrequent urination or urine that is a dark or deep yellow, cramping in limbs, headaches, the inability to cry tears, a general feeling of weakness or malaise, low blood pressure, rapid but weak pulse, dry or sunken eyes, or change in pace of breath.
Spending time indoors out of the heat is a great way to reduce the chances of chronic or dan-gerous dehydration. Fortunately, Indiana is a great place to enjoy cool summer pastimes as much as fun in the sun. Grab a milkshake from Bub’s Burgers and Ice Cream after enjoying the exhibits and programing at the Indianapolis Museum of Art, Eiteljorg Museum, Indiana Medical History Museum, or the the Museum of Miniature Houses. Walk through a local shopping mall or go to see a movie to get a few extra hours of relief from the heat.
Indianapolis is a wonderful place to enjoy summer fun. You can pack in even more enjoyment simply by being safe and aware about how to stay hydrated and keep cool when temperatures spike!
There’s no better time than summer to enjoy quality time with your grandsons, daughters, nieces, and nephews. School’s out, mom and dad are still working, and they’re itching for adventure. Fortunately Indianapolis has many family-friendly attractions that are fun for old and young alike. Here are four ideas for fun places to make special memories, just to get you started:
The obvious starting point is the Children’s Museum of Indianapolis. With hands-on exhibits that are plenty educational (like the one featuring a replica of the Great Wall of China), including a Dinosaur Dig, a space where kids can experience a TV or film set, a full-size indoor carousel, and a Playspace specially designed for the littlest little ones, there’s always something new to see and do. The Stories From Our Community exhibit explores the power of narrative in different cultures and could be a wonderful leaping off point to share your own stories and reminiscences with your small loved ones.
The Indianapolis Zoo is another attraction that always has something new. It’s organized around different ecosystems, from Oceans to Deserts to Forests to Plains, making it easy to navigate and show little ones what different ecosystems have in common around the world. See meerkats, boa constrictors, iguanas, brown bears, amur tigers, otters, bald eagles, koalas, red pandas, and many more. There are also special invests including concert series, art shows, and even tortoise racing! Kids of all ages will enjoy trips to the zoo and who knows, you may learn something new, too!
Mug n Bun has been part of Indianapolis for 50 years, and it’s got something for everyone. Grandparents and grandkids alike will enjoy the great food— including burgers, milkshakes, homemade root beer, hand-dipped onion rings, and steaks. Kids will especially love the novelty of classic drive-in service and the outside picnic area. The unique atmosphere is a conversation-starter, too, giving you an opportunity to tell the youngsters about decades past, how you spent time when you were young, and what it was like when restaurants like Mug n Bun weren’t novelties but the hippies hangouts in town.
Nothing says summer like a ballgame at Victory Field with the Indianapolis Indians! The team has been in continuous operation since 1902 and is an affiliate of the Pittsburgh Pirates, so you never know when a Pirates player might drop in to spice up the game. The stadium itself is one of the best minor league fields in the nation, and tickets are inexpensive, so you’ll have plenty left over for a hot dog and crackerjack, Friday night games feature fireworks for a little extra excitement. The young ones will love participating in this great American tradition and you can tell them all about some of the great games you’ve seen before.
With so much to see and do in Indianapolis this is just the beginning of all the summer vacation fun. Whatever you choose to do with the special young people in your life, know that you’re making memories that will last a lifetime and you have a wonderful chance to share anecdotes from your life and teach them something new!
One of the best parts of retirement, and especially retirement at a senior community, is that so many things in your life get simplified. No more work, no more big house to maintain and keep clean, no more chores fro the most part. Instead, you finally get to focus on living life to its fullest. Still, even if there’s no more waxing linoleum and sheets to wash, a little spring cleaning can make your home feel as new and fresh as the season itself. We’ve got a few easy ideas for how you can air out your daily routine and make sure life goes extra smoothly all spring and summer long:
Studies have shown that gardening has many significant benefits for older adults. It’s a light, low impact form of exercise that helps stretch your muscles, builds up strength, and improves your balance. It’s not hard on the joints like other activities can be, such as crafts with small components or repetitive motions that might aggravate arthritis. Researchers at University of Colorado at Boulder have even found that microbes in soil can help boost the immune system and may contribute to reduced anxiety and depression. There’s a lot of reasons to play in the dirt now that spring is finally here.
If you want to get started, there are few better places to begin than the Indiana Native Plant and Wildflower Society Plant Sale, which will be held May 9th. Plants are sold individually and there are plenty of volunteers to help you pick out plants that will work well with where you are going to grow them, whether it’s in the ground or in container, whether you get lots of sunshine or need a shade-loving varietal. It’s also a great way to learn something new about what plants grow in Indiana and get better
If you’re impatient to get started between now and then, you can get a jump on springtime flower appreciation with a trip to Holliday Park. The gardens are full of prairie habitat and native wildflowers that are just coming into bloom. Individual beds are planted and cared for by different groups, including the Indiana Daffodil Society, the Indiana Daylily-Iris Society, and the Indianapolis Hosta Society. There are plenty of flat, walkable trails throughout the park, which means you can go bike time and time again and still have new areas to explore. It’s also a wonderful place to go birding and spot new species, as well as other woodland animals.
The Garfield Park Conservatory is another wonderful place to take in the sights and scents of beautifully blossoms. The Conservatory specializes in tropical plants so it’s quite different in look and feel from Holliday Park. April 18th and 19th they will be hosting a Spring Orchid Show with different gardeners vying to see whose bloom will be award-winning. They also regularly host workshops and gardening demonstrations throughout the year.
The Indianapolis Museum of Art has its own Horticultural Society with massive libraries in addition to the actual gardens themselves. If you get into gardening and find you have a growing interest in the subject beyond simply exercising your green thumb, the Horticultural Society is often looking for volunteers, which could be a wonderful way to make sure your hands stay in the dirt and you’re always learning something new.
Who knew that a green thumb is a key to good health? One things’s for sure— this spring you might want to get back to the garden and enjoy the positive effect it will have on body, mind, and soul. You’ll get to savor some of the best aspects of the season, from the warm weather to the sunshine to the sensory delights of a time when everything seems new.
Reminiscing is wonderful for many reasons. It can help keep your memory sharp, it can be a great way to spend time with loved ones, it can ease stress, and it can take you back to days gone by. If last month’s photos of Indianapolis in the 1960s and 70s brought back happy memories, now is the time to record them for yourself or for friends and family. Perhaps a child or grandchild, or a niece or nephew might help you with your memory project.
You could record your retelling of favorite stories and reminiscences with a simple cassette recorder or cellphone app. This could have an added level of excitement if you, say, attended a historic race, interesting moments in city history, or major concerts or exhibits that your friends and family were too young for and wish they had been able to attend. The added benefit to audio or video recording is that your loved ones will also have your voice preserved for years to come.
If recording your stories doesn’t appeal to you, you can jot them down in a notebook or journal. If you aren’t sure where to start, consider writing about your favorite photos, especially if they’re of an event, family members the younger generation might not have met, from a trip you took, or set in your hometown, like the information we shared about Indianapolis decades ago. Your friends and family will love having this record and you’ll have the joy of reliving some of life’s most exciting moments.
This is especially true as younger generations are highly nostalgic and interested in how things used to be. They might like some of the same musicians that you do, be curious about your records, or want to learn a skill like knitting, crocheting, or try their hand at family recipes. Sharing these things with them is a great way to combine an activity you can do together with a chance to talk and share your memories, all while making new ones.
Indianapolis may be best known for its prairies and race tracks, but it’s also home to smaller reminiscences, the daily lives of the many people who have grown up there, attended school there, or came to stay whether for a race, a week long vacation, a few months, or a few years. If Indianapolis is part of your personal history, you might recognize these four places that were a big part of day to day life in Indiana, whether it was getting a bite to eat, filling up the car, or watching Mario Andretti win big:
If you went about your daily business in Indianapolis in the 1960s and 70s, chances are you found yourself on 30th street for your errands. Koehler Drugs was a popular pharmacy until the 1980s, the Pure Oil gas station was a great place to fill up the big beautiful Ford Galaxies and efficient little Toyota Corollas. You could grab lunch at the Air Liner Sandwich Shop, do some shopping at Frances Shoppe, Raysey Interiors, and Westinghouse for big household items.
You’re no Hoosier if you haven’t had a sandwich at Shapiro’s Delicatessan. It’s been open for over a hundred years, continually run by four generations of Shapiros, descended from Russian immigrants who settled in Indianapolis in the early 1900s. They’re still open, so swing by for lunch sometime and get a good pastrami sandwich and a dill pickle. It’s a taste of history, and maybe even a chance to revist lunches past on your old stomping grounds.
The 1960s and 70s were a golden era for the Indie 500. The track was packed with legendary names that even people outside the racing community recognize-- Parnelli Jones, Jim Clark, Al Unser Sr., A.J. Foyt, and Mario Andretti. Tom Sneva was the first to break 200 mph in 1977. Those were great years to hit the race track, and had a huge impact on the last heydey of automobile design and manufacturing.
Fast food chain Burger Chef was a huge part of Indianapolis history. Founded in 1954, they were one of the original carhop joints. Eventually they were bought up by Hardees, who carried on the torch of Burger Chef’s flame-broiled legacy. While you can’t eat at Burger Chef today, it will always be Incrediburger in our hearts.