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What Happens If Your Life Changes While in a Senior Community?

Find out when these options should be discussed and who takes care of the costs

As part of Smart Senior Daily series of Q&As with nationally recognized experts, Dr. Carol McKinley, President and CEO of Simpson and an expert in elder car answers the most frequently asked questions that seniors and families may have about senior living.

Question:

If my health changes, will I have to move again—or can I stay where I am?

Dr. McKinley's Answer:

This is one of the most common and important questions prospective residents ask. The answer depends on the type of contract you choose and the services available to support safety—for you and for others.

Most communities work hard to keep residents in their homes whenever possible. Supports may include home health services, skilled nursing visits, companions, private-duty nurses, adaptive equipment, and other resources.

However, if safety becomes a concern—such as wandering with cognitive impairment or behavior changes that pose a risk—an evaluation may be necessary to determine whether a different level of care is appropriate. These decisions are typically made collaboratively, involving the resident, family, care team, and sometimes a medical director or physician.

Transitions may be short-term or permanent, depending on the situation. Importantly, different levels of care may involve different costs, which might be covered by Medicare, long-term care insurance, or private payment. These details should be discussed before move-in, even though they’re easy to avoid during the excitement of choosing a residence.

Dr. Carol McKinley

Dr. Carol McKinley

Dr. Carol McKinley is president and CEO of Simpson, a Pennsylvania regional retirement system, with three communities in the region. A noted expert in elder care, she received the Paul P. Haas Lifetime Achievement Award from LeadingAge Pennsylvania.

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