Elder Law Attorney's Link
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MARIE IRENE MURPHY
Des Plaines, IL (847)759-1046
Buyer/Seller Transactions - Contract Consultation, Drafting - Deed Transfers - Land Trust - Litigation
Cynthia Hayes Hutchins - Elder Law
620 West Roosevelt
Wheaton, Illinois 60187
(630) 510-0600
chhutchins@aol.com
RICK LAW of
Law Elder Law: Medicaid Crisis Lawyers - Probate Offices in Northern Illinois including Chicago, Hinsdale, Auroa, Joliet, Yorkville, Silvis, Savanna, Freeport, Palatine, Dekalb, and Rockford.
James C. Siebert
Elder Law
Arlington Heights, IL
847/253-7500 Email: James@jcslaw.com
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REALTOR for 55+ Communities Exclusive Representation
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CLICK HERE TO REPORT ELDER ABUSE
| Today's 60 is the new 50! So if you are considering on selling your home to move up, relocating to Chicago to retire, downsize or being closer to your family and friends, there are many great options available. Many great 55+ adult communities are near METRA have clubhouses, golf courses and so much more and not far from Chicago. We evaluate your needs and help find you the perfect lifestyle community. SPECIAL Marketing Program! Mention this web page to receive a bonus of up to $1,000 cash back at closing to save you even more money! ($1,000 cash back offer valid on homes value of $250K and above). Call today to get started! Sincerely, 
(708)369-8094 Christine Moscinski, Broker Associate
Cell: (708) 369-8094 E-mail: cmoscinski@comcast.net 55+ COMMUNITIES and independent living options are available in the Southwest Chicago suburbs. ADDITIONAL INFORMATION for Baby boomers having the responsibility of taking care of their parents. Planning ahead can save you and your parents money. Did you know transfer of assests must be done 5 years in advance of entering a nursing home? If not, you risk losing those assets to the government. I can help advise in the sale of the home, refer you to experienced attorneys in elder law and estate planning as well as help you find great Senior Housing which in many cases Medicare covers, but you have to know the facts. So call today for free information and a personal consultation. I will work closely with you, advise and assist you in all areas whether selling, buying or downsizing. What does Medicare cover? Having all the information and facts are important to make the proper living options and estate planning. Some basic links are provided at the bottom for your information. Understanding Medicare can be a confusing, so call today for free consult on estate planning and experienced attorney's to help guide you. Make informed decisions, learn more about Medicare and Estate Planning as well as the downfalls of the Reverse Mortgage and understand all the costs. You may be surprised as to how much the fees total and the sneaky tactics used to sell these products to unassuming Seniors. AARP - Reverse Mortgage important information from AARP (the American Association of Retired Persons) about reverse mortgages, including a definition of reverse mortgage, loan features, eligibility, possible lending agencies, costs, and repayment agreements. * Experienced in Senior Fraud and Senior Friendly Realtor. |
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Frequently asked questions in Estate Planning, what Medicare Pays, Links and Resources of concern to elders and their families:
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| Cost Per Month | INDEPENDENT LIVING: $1300-$2500 | ASSISTED LIVING: $1800-$3500 | NURSING HOME $3000-$6000 | PERSONAL CARE HOMES $ 1500-
$3000 | | Meals Per Day | Meal Plan Options | 3+ | 3+ | 3+ | | Medication Management | Varies | Yes | Yes | Yes | | Personal Care | No | Yes | Yes | Most Yes | | Mobility Assistance | No | Most Yes | Yes | Limited | | Accepts Wheelchairs | Varies | Most Yes | Yes | Varies | | Alzheimer's Dementia | No | Varies | Varies | Varies | | Nurses On-Site | No | Yes | Yes | Varies | | Transportation | Yes | Yes | Varies | Varies | | Incontinence Care | No | Most Yes | Yes | Most Yes | | Housekeeping | Yes | Yes | Yes | Yes | | Personal Laundry | No | Yes | Yes | Yes | | Diabetes Management | No | Most Yes | Yes | Some Limited |
Independent Living Communities
Summary: Independent communities cater to seniors who are very independent and, have few medical problems. Residents live in fully equipped private apartments. A variety of apartment sizes may be available from studios to large two bedrooms. Fine dining services are offered with custom designed meal packages. Often, residents can choose to pay for a specified number of meals per day. Frequently, there are numerous social outings and events to choose from for entertainment. | Also Known As: | Independent Communities; Congregate Care; Independent Living
| | Payment Sources: | Mostly private pay; Some government funded through Section 202.
| | Price Range: | $1300-$2500 per month |
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Assisted Living
Summary: Assisted Living communities are designed for seniors who are no longer able to live on their own safely, but do not require the high level of care provided in a nursing home. Assistance with medications, activities of daily living, meals and housekeeping are routinely provided. Three meals per day are provided in a central dining room. Residents live in their own private apartments which frequently have a limited kitchen area. Staff are available 24 hours per day for additional safety. Most assisted living communities provide licensed nursing services; hours vary greatly, so be sure to ask when you visit. Social activities and scheduled transportation are also available in most communities. A special unit for Alzheimer’s residents is available in some, but not all communities | Also Known As: | Assisted Care Community | | Payment Sources: | Mostly private pay; some take Medicaid. | | Price Range: | $1800 to $3500 per month depending on the size of apartment and level of assistance required; Alzheimer’s care ranges from $2800 to $3800 for a shared suite. |
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Nursing Home
Summary: Nursing homes provide round the clock skilled nursing care for the frail elderly who require a high level of medical care and assistance. Twenty-four hour skilled nursing services are available from licensed nurses. Many nursing homes now provide short-term rehabilitative stays for those recovering from an injury or illness. Longer-term residents generally have high care needs and complex medical conditions that require routine skilled nursing services. Residents typically share a room and are served meals in a central dining area unless they are too ill to participate. Activities are also available. Some facilities have a separate unit for Alzheimer’s residents. | Also Known As: | Convalescent Care; Nursing Center; Long Term Care Facility | | Payment Sources: | Private Pay; Medicare; Medicaid | | Price Range: | $3000 to $6000 per month |
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Personal Care Homes Summary: Personal Care homes are private homes that typically have a small number of residents who live together and receive care from live-in caretakers. Adult family homes offer room and board for seniors who want a more private, home-like community. Assistance with activities of daily living such as bathing and dressing are provided. Amenities and nursing services vary greatly between homes. Ask about their services when you tour. | Also Known As: | Board and Care Homes; Group Homes; Adult Foster Care
| | Payment Sources: | Private Pay; Medicaid in some instances | | Price Range: | $1500 to $3000 per month depending on the services and level of care provided. |
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Respite Care Summary: Respite Care provides a temporary break for caregivers by allowing a resident to have a short-term stay in a community that can meet their needs. Many assisted living communities and nursing homes have a respite care program. Residents typically stay from a week to a month, depending on the situation. They will receive all of the services of the community and therefore the visit can also serve as a “get acquainted” period for the senior. Many residents find that they enjoy their stay and decide to move-in soon after the short-term visit. Respite programs are available for assisted living and Alzheimer’s resident | Also Known As: | Short-Term Stay Programs
| Payment Sources: Price Range: | Private Pay; Medicaid $75 - $150 per day |
References and resources for payment options for senior care and housing: Do you need long-term-care insurance? is a Consumer Reports article on whether or not to get long-term-care insurance. Free Planning Kit provided by the U.S. Department of Health and Human Services can help you understand coverage, costs and plan for long-term care for the elderly. Paying for Long-Term Care Provideds a comprehensive article from the U.S. government Medicare site and details possible ways to pay for long-term care: Medicare, Medicaid, private long-term-care insurance, home equity conversion (reverse mortgage), and some other rarely discussed means of payment. Medicare Coverage of Skilled Nursing Facility Care is a consumer-oriented booklet on the coverage that Medicare provides for Skilled Nursing Facilities. What Medicare and Medicaid Cover is Consumer Reports' 2003 summary of how much and under which conditions Medicare and Medicaid pay for long-term care. Medigap Policy Basics is a Federal government article on Medigap health insurance plans. The article discusses what Medigap insurance is and how to find a suitable plan.
DISCLAIMER: This page is for informational and research purposes only. For legal advice, you should consult an attorney. Baby Boomers 55+, Senior Resources, Information, Reverse Mortage, Retirement Living, Estate Planning, Paying for Elder Care, Medicaid, Medicare, Social Security and Subsidized Housing, Local Pharmacy & Wheelchairs
(Source: Medicare.gov - publications) IF ANY OF THESE LINKS ARE BROKEN, PLEASE CONTACT US AT CMOSCINSKI@COMCAST.NET
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