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October is Long-Term Care Planning Month

Do you have a plan in place?

Richmond, TX (October 2015) This month seniors are encouraged, and those acting on their behalf, to develop a plan to help meet the high costs of long-term care. For the most part, a majority of long-term care costs are not covered by most health insurance plans or Medicare. That is where planning for Long-Term Care becomes so important. Clayton Oaks Living, a local senior living community, encourages families to explore long-term care planning options.

"As you age, you can feel better knowing there are steps taken to ensure that your wishes, both medical and financial, are carried out the way you want them," said Chessa Rapp for Clayton Oaks.

There are of course advantages to planning ahead before the need arises. By

preparing for the future, people can make choices for how and where they wish to spend their later years. It also removes the burden from adult children and others to make

choices for the seniors in their lives, a task not often envied by most.

Currently, Medicare only covers medical and rehabilitative care (doctors and nurses) and does not cover non-medical care including help with activities of daily living (ADLs). Medicaid will cover the cost of long-term care but only after an individual has depleted all their assets, and the choice of Medicaid facilities or Medicaid in-home services are very limited.

What is Long-Term Care?

Long-term care is a range of services and supports residents may need to meet their

personal care needs. Senior living communities that may support these services include assisted living, memory care, independent living, CCRC's, and nursing homes. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called

Activities of Daily Living (ADLs), such as:

Why Plan Ahead for Long-Term Care?

  • Long term care is a leading cause of catastrophic out-of-pocket health care costs for the elderly and their adult children.
  • By planning ahead, seniors will increase the time they have for saving up sufficient money to get the help they want when they need it.
  • By planning ahead when senior are in relatively good health they greatly increase the chances for qualifying for Long-Term Care Insurance which will cover most, if not all, of their non-medical long-term care costs.

There are a number of ways to get planning started. For basic information on Long-Term Care Planning visit http://longtermcare.gov, another option is to reach out to the many insurance companies who offer long-term care insurance. In addition for those interested in learning more about senior living please contact Chessa Rapp, community marketing director at Clayton Oaks 281-341-6200.

About Clayton Oaks Living

Clayton Oaks Living will provide the finest in assisted living and memory care options for residents. Located in Richmond, Texas the expert trained staff will assist residents with the highest standards of senior care services. It is operated by Integral Senior Living, which manages independent, assisted living and memory care properties. ISL is founded on a care philosophy that fosters dignity and respect for residents and promotes their independence and individuality. For more information call 281-341-6200 or visit www.claytonoaksliving.com.

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Media Contact:

Chessa Rapp

Community Marketing Director, Clayton Oaks Living



Posted by Clayton Oaks on 10/2/2015 11:34:18 AM
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Clayton Oaks Living
21175 Southwest Freeway Richmond, TX 77469
Phone: 281.201.1038 Fax: 281.341.6205
Email: info@claytonoaksliving.com
Office Hours:Mon-Fri: 9:00am - 5:00pm
Sat: 10:00am - 5:00pmSun: 1:00pm - 4:00pm