Merrill Gardens At Madison
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General Info About Assisted Living
What Is Assisted Living?
Candidates for Assisted Living usually need assistance in performing one or more activities of daily living. Assisted Living facilities will provide a number of services including help with bathing and dressing, meal preparation, housekeeping and laundry, and medication management. A person who wants to maintain some independence but may need help with bathing, walking, dressing, bed transfer, toileting, or eating may be a candidate for Assisted Living.
Residents of Assisted Living Communities typically have their own private apartment and are usually provided with shared services of dining facilities, recreational and social activities, religious services and transportation to shopping, medical appointments and local events. There will be staff on site 24 hours a day, but residents can maintain the independence that suits their particular situation.
Assisted Living Insurance Options
Long-Term Care Insurance
Many Long Term Care Insurance policies provide benefits toward the costs of Assisted Living expenses. While coverage specifics can vary based on the policy terms and conditions, long-term care insurance typically helps offset expenses related to assisted living, including accommodations, personal care services, and other support as needed. You can learn more about that here.
Veterans Aid & Attendance Benefit
Veterans and their spouses may be also eligible for the VA Aid and Attendance benefit, which can cover part of the cost of Assisted Living expenses. The specific amount of Aid and Attendance benefits awarded to an individual is determined based on various factors, including the level of care needed, the applicant's income and assets, and their marital status. You can learn more about that here.
General Info About Memory Care
What Is Memory Care?
A Memory Care facility is very similar to the lifestyle of the Assisted Living facility combined with the medical care and higher level of assistance normally found in Skilled Nursing. Attentive and expert care is provided at Memory Care Facilities. For the safety of the residents, security is strict at a Memory Care Facility. Coming and going is regulated by various security measures. This may include locks and alarms on exterior doors, in-room emergency alerts, and a locator device worn by each resident.
Staff members are trained to work with people with memory issues. Programs are incorporated that keep residents on a regimented schedule. These programs are designed to help residents deal with the symptoms of Dementia, Alzheimer's, and Sundowners Syndrome.
Memory Care Insurance Options
Long-Term Care Insurance
Many long-term care insurance policies cover Memory care services. It's essential to review the policy's coverage details carefully to understand what types of care are included. Many policies explicitly cover memory care services as part of their comprehensive long-term care benefits. However, coverage specifics can vary between policies, so it's crucial to verify that memory care services are explicitly mentioned in the policy language. You can learn more about that here.
Veterans Aid & Attendance Benefit
Individuals with dementia or Alzheimer's disease who require specialized memory care services may use Aid and Attendance benefits to help cover the costs of memory care facilities or specialized programs within assisted living communities. You can learn more about that here.
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