Podcasts about ccrcs

Julie Podewitz, CEO & Founder of Grow Your Occupancy, talks with longtime senior living marketing expert Lola Rain. Lola shares her advice around budgets, knowing your cost per lead and your cost per move in to know best ways to allocate funds: where are the best places to put your marketing dollars and where maybe to pull those dollars from? Lola is unique in that she works in a variety of different senior living spaces for different levels of care, with a focus on higher end CCRCs and rental communities. It's important to note that when she talks about one or two move-ins in a month, she's talking about the high end model of senior living with big dollar entry fees.

Christine Oyler, Services Planning Coordinator at Bellomo & Associates, is the firm's Medicaid team member. Since 2016, Christine has used her nursing experience and Medicaid knowledge to help clients better understand the Medicaid system and make the best choices for themselves and their families. As part of this work, she sits down with Jeff to discuss some of the lesser-known factors that can affect your asset protection strategy and Medicaid eligibility.   WHAT YOU NEED TO KNOW   (00:00) Episode introduction.   (03:15) A “529 account” helps people save for educational expenses. However, a 529 account could affect your eligibility for Medicaid.      (06:22) Funds in a “uniform transfer to minors account” are exempt from Medicaid eligibility even within the five-year lookback period.    (07:23) When filing a Medicaid application, estranged spouses must prove that they are living separate lives with separate finances. A hearing may be necessary.   (10:48) Divorcing and giving the “community” spouse 100% of assets to gain Medicaid eligibility is a red flag for possible fraud. Additionally, this scenario limits protection of the community spouse's assets.     (14:20) When people get married and enter into a prenup to keep finances separate, the state can still make a claim on the resources of the community spouse. The same applies to postnuptial agreements.    (16:47) Some blended families have wills designed to keep inheritable resources separate for the “original” children. This does not protect the assets of the community spouse.     (19:05) Continuing care retirement communities (CCRCs) often have a “benevolent fund” available to pay for care if a person—who is not yet in skilled care—runs out of money. There are many factors to consider under this scenario.   (24:26) Having your assets in a trust would not necessarily disqualify you from entering a CCRC. But, at the least, you likely would need to have sufficient funds in your name alone to buy in. Estate planning options are available to manage this scenario.     (27:57) Typically, a benevolent fund contract will restrict the amount and type of gifting that is allowed while the contract is in force.     ABOUT BELLOMO & ASSOCIATES   Jeffrey R. Bellomo, the founder of Bellomo & Associates, is a licensed and certified elder law attorney with a master's degree in taxation and a certificate in estate planning. He explains complex legal and financial topics in easy-to-understand language. Bellomo & Associates is committed to providing education so that what happened to the Bellomo family doesn't happen to your family. We conduct free workshops on estate planning, crisis planning, Medicaid planning, special needs planning, probate administration, and trust administration. Visit our website (https://bellomoassociates.com/) to learn more.   LINKS AND RESOURCES MENTIONED Bellomo & Associates workshops:https://bellomoassociates.com/workshops/ Life Care Planning The Three Secrets of Estate Planning Nuts & Bolts of Medicaid For more information, call us at (717) 845-5390. Connect with Bellomo & Associates on Social Media Tune in Saturdays at 7:30 a.m. Eastern to WSBA radio: https://www.newstalkwsba.com/ X (formerlyTwitter):https://twitter.com/bellomoassoc YouTube: https://www.youtube.com/user/BellomoAssociates Facebook:https://www.facebook.com/bellomoassociates Instagram:https://www.instagram.com/bellomoassociates/ LinkedIn:https://www.linkedin.com/in/bellomoandassociates WAYS TO WORK WITH JEFFREY BELLOMO Contact Us:https://bellomoassociates.com/contact/ Practice areas:https://bellomoassociates.com/practice-areas/      

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"Just because it's a nursing home, doesn't mean they're doomed to be in there forever." —Melissa Batchelor, PhD, RN, FNP, FGSA, FAAN   Many families face the difficult decision of choosing the right care setting for their aging loved ones. You may have promised never to place your loved one in a nursing home, yet sometimes a skilled nursing facility is the most appropriate setting for their care needs.    Join us for this episode where we'll discuss the basics of housing and care options for older adults. I'll help you understand the differences and what to think about so you can make a smart decision when the time comes.   HOUSING AND CARE OPTIONS FOR OLDER ADULTS:   ACTIVE ADULT COMMUNITIES   Active Adult Communities are designed for active, independent older adults 55 and older who can manage their daily lives. These communities provide some  maintenance, like lawn care, amenities, possibly even healthcare close by.   INDEPENDENT LIVING   Independent Living Facilities are often part of larger retirement communities offering apartments or condos. Ideal for those aged 65 and older, these setups also provide a low-maintenance lifestyle with services like housekeeping and laundry, allowing residents to enjoy a socially active environment without the burdens of maintaining a home.   ASSISTED LIVING   Assisted Living is for those who need more help with daily activities. Assisted living offers a range of services from basic assistance  with medication management to memory care units for individuals with Alzheimer's or other forms of dementia. While these facilities are out-of-pocket, they  can provide personalized care to meet varying degrees of need.   SKILLED NURSING CARE   Skilled Nursing Care Facilities are for individuals requiring daily skilled nursing care. Often these stays are temporary; primarily for rehabilitation, and are covered by Medicare Part A. The goal is typically to rehabilitate and return to either a less intensive care setting or home. Skilled nursing homes also offer long-term care for those on Medicaid.   CONTINUING CARE RETIREMENT COMMUNITIES (CCRCs):   CCRCs provide all types of care and housing options, from independent  and assisted living to skilled nursing homes. This means residents can stay in the same general area (“campus”) as they age and their care needs change. CCRCs gives residents peace of mind knowing they'll always have the care they need with more on-site guidance for residents and families for what's next based on those needs.   RESPITE CARE   Respite Care provides temporary relief for someone caring for a loved one at home, allowing them to take a break or fulfill other obligations while ensuring their loved ones receive professional care.   REHABILITATION CARE   Rehabilitation Care Facilities are usually found in hospitals and involve intense therapy for people recovering from major health events like surgery or a stroke. These facilities offer more rigorous daily therapy than a regular skilled nursing facility provides (e.g. 6 hours of daily rehab vs. 3 hours respectively).   Remember, choosing the right housing and care option for an older adult is both a responsibility and an opportunity. By understanding the full range of available options and utilizing the resources provided, you can make decisions that honor your loved one's needs and preferences with confidence and care.   RESOURCES   Join AgeWiseU to find a get all of my handouts and related content on Alzheimer's disease and more at MelissaBPhD.com/join    ------------------------------------------------------------------------------------------------------------------------------- About MelissaBPhD   Melissa Batchelor, PhD, RN, FNP, FGSA, FAAN. I am a nurse, nurse practitioner with over 25 years of experience caring for older adults and their families.    Below are 4 ways to connect with me and support the podcast:   BECOME AN AGEWISEU: Visit my website at https://melissabphd.com/join/ and sign up for free as an Insider or upgrade to being a MVP. Updated weekly, AgeWiseU MVP is a digital hub of over 175 hours of curated content, resources, helpful links and courses designed for caregivers of people living with dementia; adult children caring for aging parents; and anyone wanting to learn more about brain health and healthy aging! MVPs are also invited to join me for a members-only monthly live webinar! BECOME A YOUTUBE MEMBER: Get early access to my podcast episodes and join me for a members-only monthly live webinar – and more! Check out the Join button on my YouTube channel to learn more as these evolve. SUBSCRIBE, LIKE, SHARE, AND LEAVE A REVIEW: SUBSCRIBE to this YouTube Channel; LIKE the podcast by giving this episode a thumbs up; SHARE this episode with others; and LEAVE A REVIEW. These things only take a minute of your time, but they really do help increase my rating and ranking; but more importantly, these actions help other people find the podcast.  JOIN THE FACEBOOK COMMUNITY: If you are on Facebook, feel free to join my private community here: https://www.facebook.com/groups/thisisgettingold  

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Lynne Moore about the concept of aging in place, comparing it to continuous care retirement communities (CCRCs). Lynn has an extensive background in geriatrics and now works with ThriveMore, an organization specializing in helping people age in place. Listen in to learn how ThriveMore's program supports seniors in staying at home as they age while receiving necessary care. You will also learn the differences between aging in place and living in a CCRC, as well as the benefits of joining the ThriveMore program earlier. In this episode, find out: Lynne's career background in geriatrics nursing and leadership and how she ended up at ThriveMore at home. The similarities and differences between continuing care at home and living in a CCRC. How ThriveMore's program focuses on bringing care services into individuals' homes. The ThriveMore program details about membership fees, eligibility criteria, and benefits. The benefits of joining the program early and the inflation protection of coverage. Why the age-in-place program is best suited for introverts, plus how ThriveMore handles couples. ThriveMore's vetting process for care providers and their emphasis on quality care. Information on how you learn more about ThriveMore and explore the program. Tweetable Quotes: “We're arranging, coordinating, navigating, and overseeing care to ensure quality care is provided as the person needs more. And it may be short term, it may be long term, but we're bringing that care in, and in addition to that, the long-term care insurance component is underwriting the cost of that care.”- Lynne Moore “Getting in our program earlier saves you money and helps you be ready in case something unanticipated happens with your health.”- Lynne Moore Get in Touch with Lynn: Website: https://www.thrivemoreathome.org/ LinkedIn: https://www.linkedin.com/in/lynne-moore-rn-lnha-cmc-caps-3a899237/ Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this episode, Wade Pfau and Alex Murguia are joined by Rob Cordeau to discuss Continuing Care Retirement Communities (CCRCs). They provide an overview of what CCRCs are and how they relate to long-term care planning. They also explore how CCRCs can be an alternative to long-term care insurance and the different financing models for CCRCs. The conversation covers topics such as the large upfront costs of CCRCs, the benefits of living in a CCRC, and the options for refundable entrance fees. Rob Cordeau provides insights into continuing care retirement communities (CCRCs). He clarifies that purchasing a CCRC is not a real estate purchase but rather a contract to live in the community throughout one's life. The entrance fee varies based on the size and features of the apartment, and there are different types of contracts, including non-refundable and refundable options. Rob also discusses the financial aspects of CCRCs, such as the relationship between entrance fees and ongoing cash flow, the potential tax deductibility of entrance fees, and the importance of financial due diligence when choosing a CCRC. Takeaways CCRCs are retirement communities that offer various levels of care on one campus, including independent living, assisted living, and skilled nursing care. CCRCs can be an alternative to long-term care insurance, especially for those who want to downsize and plan for their long-term care needs. There are different financing models for CCRCs, including large upfront costs with lower ongoing monthly costs or lower upfront costs with higher ongoing monthly costs. Some CCRCs offer refundable entrance fees, where a portion of the fee is returned to the resident or their heirs upon moving out or passing away. CCRCs are not real estate purchases but contracts to live in a community throughout one's life. The entrance fee varies based on the size and features of the apartment. CCRCs offer different types of contracts, including non-refundable and refundable options. Financial planning is crucial when considering a CCRC, including modeling the affordability of entrance fees and monthly service fees. Some entrance fees may be tax deductible, depending on the contract. Due diligence is essential to assess the financial stability and reputation of a CCRC. CCRCs may not be suitable for individuals who prefer independent living in their own homes. Buyer's remorse is rare among individuals who have thoroughly considered and chosen a CCRC. Chapters 1. Introduction and Overview of CCRCs 2. Exploring Different Financing Models for CCRCs 3. Understanding Refundable Entrance Fees in CCRCs 4. Understanding the Dynamics of CCRCs 5. Financial Underwriting and Considerations for CCRCs 6. Different Types of Contracts Offered by CCRCs 7. Financial Planning for CCRCs 8. CCRCs vs. Independent Living: Choosing the Right Option   Links The Retirement Planning Guidebook: 2nd Edition has just been updated for 2024! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/  This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, “Is a Roth Conversion Right For You?”  

In this episode, Wade and Alex continue their discussion on long-term care, focusing on nursing homes and continuing care retirement communities (CCRCs). They also touch on hospice care and the importance of having a power of attorney in place. They highlight the need to carefully review contracts and consider the financial strength of CCRCs. Listen now to learn more!   Takeaways Nursing homes provide 24-hour care for individuals who need significant help with daily activities and medical issues. Hospice care focuses on providing comfort and pain relief for individuals with terminal conditions. CCRCs offer multiple levels of care within one community, allowing individuals to transition as their needs change. It is important to review CCRC contracts with an elder law attorney and consider the financial stability of the facility. Upcoming topics will include funding options for long-term care and interviews with experts in the field. Chapters   00:00 Introduction and Correction 00:31 Continuing Care Retirement Communities (CCRCs) 10:02 Hospice Care 25:52 Considerations for CCRCs 30:38 Upcoming Topics and Conclusion   Links  The Retirement Planning Guidebook: 2nd Edition has just been updated for 2024! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/      This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"

In this Episode of the Secure Your Retirement Podcast, Radon and Murs have Rae Dawson discuss the basics of CCRC around cost, the waitlist, deciding a CCRC and the right age to move to a CCRC. Rae is a CCRC expert and spent her original career primarily managing people and projects in high-tech in Silicon Valley for many years before gaining an interest in CCRC.She explains why CCRC cost is determined by the type of contract and the location of the community and things to consider when considering the cost of a CCRC.Listen in to learn the importance of being flexible in your requirements to avoid a long waitlist that can go up to 4-15 years. You will also learn about the typical age of a CCRC entry and the advantages of joining a CCRC earlier.In this episode, find out:Things to consider when thinking about the cost of a CCRC as per the contract in the Triangle area.The meaning of buy-in and monthly fees for a traditional CCRC for single or double occupancy.CCRC's rule of thumb - know whether you qualify for a CCRC and should pursue that dream.Why you should consider placing your name on a waitlist at multiple communities to have options.The advantages of joining a CCRC earlier on when you're healthy and not very old.Things to think about when you decide to live in a CCRC to choose the suitable community for yourself.Tweetable Quotes:“You should have in assets three times the CCRC entrance fees, and your monthly income should be two times the monthly fee.”- Rae Dawson“You might be able to enter a community more quickly if you're flexible in your requirements.”­- Rae Dawson“People that live in CCRCs tend to live longer than the average American, and so it's not unusual to find people in their late 90s to 100s living in the community.”- Rae DawsonGet in Touch with Rae:Email: rae01dawson@gmail.com Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Timestamps(00:00:02) Introduction (00:01:01) Healthcare Risk Management Experience (00:02:18) Fair Housing Act Explanation (00:08:15) Prohibition of Disability Discrimination (00:15:57) Understanding Essential Requirements (00:23:15) Rules Around Common Accommodations (00:29:42) Risks & Fair Housing Marketing (00:34:55) Legalities for Assisted Living Services (00:40:17) FSA & Housing Education (00:43:22) Rules Disregard in Senior Living (00:47:41) Risk Tolerance Discussion (00:49:06) Risk Management in Senior Living  So as you mentioned, I did medical malpractice defense for a number of years in New York,and then I moved to Pennsylvania because I was getting married and my husband was fromout of state.And when I moved, I decided to switch hats, and I decided to do healthcare risk management.So I was tasked with starting up a risk management program for FSA.At the time, we started with 12 organizations, nonprofit, faith-based communities, generallyin the Philadelphia area.Since then, we've expanded quite a bit, and we now have 37 sites in six states.And so I give guidance and consultation on risk management issues.So today, we are going to talk about marketing risks, but I'm going to talk about it frommy perspective, you know, from a risk management perspective and a fair housing perspective.Okay.So thanks for that background.So let's get right into it.What is the worst-case scenario if someone says, you know, I'm going to market howeverI want to market?I'm going to say what I want to say, do what I want to do.What have you seen as like a worst-case scenario of someone has done this and this horribleoutcome has happened?Great question.Nothing like the fear factor right from the beginning.So what I'm going to preface that question with is an explanation of why there are risksin this venue, in this area.And so in 1968, Congress enacted the Fair Housing Act, which was what I like to callthe third leg of the stool for civil rights litigation, legislation rather.And so we had the Civil Rights Act, then the Voting Rights Act. And then in 1968, they passed the Fair Housing Act.And that precluded discrimination in housing choices and lending based upon what we callthe protected class status.So started out with race, religion, national origin, color, gender, which now includesgender identity and sexual orientation, and national origin.In 1988, Congress amended the act to include two additional protected class categories.Familial status, meaning that you are not supposed to be able to discriminate againstfamilies with children.And of course, there is a carve-out for our senior living settings.And the one for purposes of our discussion today, which will be very pivotal, is it sayshandicapped, but it's what we would refer to as disability.So you have now protections under the Fair Housing Act, and we just call it FHA for boththe Amendments Act and the original act for all those protected classes, which actessentially as a floor, not a ceiling.So state and local jurisdictions can also add an additional protected class categories,like, for example, maybe marital status, saying that, you know, you can't discriminateagainst somebody because they're unmarried or, you know, because they cohabitatetogether, for example, or source of income is another one that's fairly common.So I think for a lot of senior living communities, they don't necessarily recognizethat they are covered by this act as a housing provider, because I think for a lot ofcommunities, they say justifiably, well, we're not a housing provider because we do somuch more than that. And you do.However, in the eyes of the government, you are a housing provider and you are subject tothe Fair Housing Act.And so there are lots of risks that come along with that.Now, if you choose as an organization just to decide that you're going to market any wayyou want to and you're not going to pay attention to various marketing risks, includingfair housing risks, what's the worst case scenario?The worst case scenario is that you end up being in litigation, sued by potentially afederal government. So it's now the United States of America versus, you know, seniorliving community, A.B.State. You are in litigation with the government.You are being sued for housing discrimination.Almost always that ends very badly for the community.Almost always winds up in a monetary settlement.Many times there is also a settlement compensation fund where the community has toadvertise in multiple places for people that have been subject to what they've just beenfound by the government to be illegally doing.Let's just say discriminating against those with scooters, for example.And so they would have to advertise for anyone that's been impacted by that to give themmoney. In addition, there's almost always what we call a consent decree that comes withthat. It's sort of, if you're familiar with the world of compliance, it's similar toa CIA or a corporate integrity agreement whereby the government puts you into thisconsent decree.And the consent decree not only sets out the exact amount of money that you're going tohave to pay and how you would advertise to those who have been subject to yourdiscriminatory practices to give them money.But there's also usually quite onerous burdens that are placed on the community,including things like they get to and the government will review your actions for aperiod of time. Usually it's about five years.And so they will oversee and have to approve the policies, put policies in place forwhatever the particular topic is, change contracts, sometimes hire a fair housingofficer to perform acts to training and education for the staff on an ongoing basis.And again, being overseen by the government for a period of time.In addition, I would also say that you don't want to be the poster child for that.So again, I happen to mention scooters.And one of the pivotal cases in the world of, you know, communities that have been suedfor improper restrictions on scooters is a community called Twining Village.And I don't like to use them, you know, but that that case is out there and everybodyknows about it. So you don't want to end up having the reputational damage in our worldof, you know, senior living where it's like, oh, that's the Twining Village case.And so, you know, everybody knows based on that case, you know, some of the policiesthat you have to have in place and the no-nos, the things that you shouldn't be doing.You don't want to become the poster child for that, which can very easily happen.Well, so a couple of questions.Thank you for that. I mean, that's quite an overview.So it were someone to actually go ahead and let me just back up.So you're saying that there's the fair housing law, which puts nursing homes together inthat category. So therefore, they have these discrimination laws like you've outlined.So is this, first of all, is this specific to marketing?Are we talking about someone denies a patient because we don't take we don't want patientswith scooters because patients with scooters are dumb or whatever.Yeah. So I'm speaking broadly about senior living communities.Right. So it's anywhere that a person lives.Okay. So if you are running a short term rehab only, then potentially you are excluded fromthe Fair Housing Act because that's not someone's home.The intention is to treat them for a brief period of time with the intention to dischargethem. However, it does apply clearly.All the case law is very clear on this.It does apply to settings like CCRC, independent living, assisted living, personal care,long term care. So all of those things, you know, adult foster care, it does apply to allthose settings. It is questionable whether it would apply in the context of a short termrehab strictly.Okay. So let's back up.If I don't have if I have a regular store and I sell chocolate and desserts and flowers andwhat else? I can discriminate all I want?No. There are other laws.There are other laws that prohibit you from from doing that, that we're not necessarilyspeaking about today. But again, when it comes to housing, we are under the auspices ofmultifamily housing specifically, which means four or more people in a unit or, you know,four or more units, I should say, not four more people.Then you are subject to the Fair Housing Act.So. Okay.So the Civil Rights Act says that you can't discriminate.Right. Suggested.I understand that. So my point is that you have extra laws when it comes to if you'remanaging or you own a home that has multiple families, say for like you said, four unitsor more. So then you have you have extra focus.So now let's assume someone has an assisted living facility, a long term care facility,really can be an apartment building, too.But we're saying even senior living facilities and they're going to and then theydiscriminate against someone.So does that mean that they refuse admission to someone?Okay. So that's a great question.So discrimination can take multiple forms.It can be just as you said, refusal of admission or refusal to someone, an applicant tobe denied admission.That can be a form of discrimination.It can also be a form of discrimination, which is very common.Probably the most common form of discrimination is the refusal to grant what we call areasonable accommodation for disability.And that's where the scooters would come in, for example.So if I was disabled and I had a mobility impairment and I required a scooter to enableme to get around and to meet what we call the essential requirements of tenancy.And you, as the provider, refuse to allow me to have that scooter or, for example, thatservice animal, like you have a no pet policy and I wanted to come in with a serviceanimal. Well, that's not a pet, that's a service animal.That's for my disability. That's a reasonable accommodation.So you can refuse and then you could again potentially be sued for that.But in addition to also refusing to admit somebody, which is a form of discrimination,there are a multitude of other forms of discrimination under the act.And it can be I come in and I'm able bodied when I come in.And after I'm a resident at your community for some period of time, I now becomedisabled. And again, I've asked for reasonable accommodation, whatever that may be.And you now refuse to give me that reasonable accommodation or you are discriminatingagainst me and saying, because let's say I had a let's say I had a fall.I lived in independent living and I had a fall.And you say, well, now you're not independent anymore.And so you need to move to assisted living because you had a fall.You can't from a legal standpoint, from a fair housing standpoint, they'd have to be waymore to it than just forcing me to move up through the continuum for something like whatI just described. And then additionally, I would also say that, you know, there areagain, just treating that it's essentially under the Fair Housing Act, we don't want totreat anyone worse, which is the more common thing to do.We also can't treat anyone better because of their protected class status.So if so, again, we serve primarily faith based communities.So if I had a community that was, for example, a Quaker community and they said, becausewe are a Quaker community, we want to give preferential treatment in admission to Quakers.You don't have to meet the same kinds of financial requirements as we require from everybodyelse. You can't do that either.Right. So, again, it's admission, but it's also discriminating against somebody oncethey're there.OK, so there's also what's the line?And I guess this is where the gray area comes in between providing reasonableaccommodations in this type of living setting versus we have a noscooter policy, let's say, because of a certain maybe safety concern that we have due toour building. Or maybe we don't allow service animals, even though it's not a pet, becausewe have residents with advanced dementia and they view service animals as monsters.They're going to eat them up or any other sort of reason, assuming that it's trueor even if it's not true.I mean, you get a good attorney to make something up, but the reasonable accommodationsversus actual practical reasons why that it's not discrimination, but there's anactual ramification of being, you know, let's see your example.Someone was in an independent living and suffered from a fall and now can no longerambulate safely in that setting.And they want to say, OK, now you have to move on.You know, CCRCs, you have to move on to the assisted living.Like, I don't want to go to the assisted living.Well, over here, you can't take a shower.You can't, you know, prepare your food.You physically can't do any more.We're not discriminating because we don't like people who fall, people who are old orpeople who are weak.We're just saying that we feel that this is not appropriate.So is that where, and obviously the other side is that, no, I'm fine.It's just because I fell.Don't tell me I need to move on.Let me get some therapy.Let me go to the doctor.Let me let this thing heal and I want to stay where I am.So is that where, is that why people like you have jobs?Right.So, yeah, perhaps that's why people like me have jobs.But what I would say to you is, you know, there are parameters around certain things.So let's talk a little bit about that.So, again, when we talk about disability, we, there is a requirement under the law thatsays that in order to live someplace, whether that's just in the community at large, youknow, an apartment building or in a senior living setting, the tenant or the residenthas to meet what we call the essential requirements of tenancy, no matter what.Disability, no disability, you still have to meet the essential requirements of tenancy.So what are those?First and foremost is paying your rent and fees on time.Number two is keeping your unit in a safe, clean and sanitary condition.Now, you know, I think that reasonable people may differ as to what's safe, clean andsanitary. Right.Also obeying the reasonable community rules.Okay. Unless, of course, there has to be an exception made because of the reasonableaccommodation because of somebody's disability.But again, generally speaking, you should have a set of reasonable community rules becausepeople have to obey those rules.You also cannot have excessive damage to the unit.Okay. Normal wear and tear is okay.If I scrape the walls because of my scooter, that's okay.But if I decide to, you know, take a hammer and make holes in the walls, that's not normalwear and tear. Also not unduly disturbing the peace and tranquility of others.Okay. And the last one, which is very important, is not being a direct threat to thehealth and safety of others.Now, in my opinion, and this is not in the law, this is not in the essential requirementsof tenancy. When you are in a senior living community, I feel that it is reasonable tosay you cannot be a direct threat, a direct threat.That's very important language.Not speculative, a real direct threat to your own health and safety.Okay. So, but that's not been tested in the courts yet.That's Christina's theory.But I think it's a good one.And so.Hold on, let me talk about that for a second.If someone's, and they're a threat to themselves, and certainly if they're a threat tothemselves, even if they're not, if they're trying to physically harm themselves, they'retrying to slit their wrists, they're trying to jump out a window, they're trying to, Idon't know, whatever, anything else that's unsafe.And the facility has done everything that they can to prevent, stop, intervene, assist.So there's a question, there are those who say that, no, you cannot, let's say, Section12, you cannot send them out to the hospital because that would be discrimination.Is that even a possibility?Well, no, under the scenario that you just described, you're not evicting them.You're not getting them out permanently.You're just sending them out.So I would say, no, that's reasonable.But there have been situations, I like the examples that you use because they are extremeexamples. And I would argue, if I was a provider, that there is no reasonable accommodationthat will diminish that threat.But that's always going to be a question because tying in with meeting the essentialrequirements of tenancy, which everyone has to do no matter what, that's where thereasonable accommodations come in.So if I have a disability and I ask for a reasonable accommodation or you become awarethat I need a reasonable accommodation, then it should be granted because the reasonableaccommodation is generally what's going to help me meet those essential requirements oftenancy. Now, going back just to the example that you used.Someone who's suicidal or homicidal, even.The, you know, I could say I can't handle, I don't have, I'm not equipped to handlepsychiatric issues and I certainly can't, you know, protect my other residents from thishomicidal individual or I can't protect them from themselves because there's so manyways that they could attempt suicide.And so they are not meeting the essential requirements of tenancy because they are adirect threat. There have been occasions and there have been some cases.Where in circumstances like that, the courts have said, well, and it's not specific tosenior living, it's just general housing.Well, you should try a reasonable accommodation first.So, for example, if you send that person out, you know, to be involuntarily, you know,incapacitated in a psych facility for a period of time.And let's say that they have been given medication that would, you know, presumablycontrol their behaviors.Then the resident or the tenant in this case would be able to say, well, my reasonableaccommodation and I should be allowed to stay because I can remain on this medicationregimen and then my behaviors are controlled.But I know of a case from a number of years ago, multifamily housing out in Connecticut,and an individual had psychiatric issues and actually went after the landlord with a bigbutcher knife and threw him down to the ground and started to stab him.That gentleman was arrested and then the landlord sent notice, you know, you're herebyevicted. You know, after he got out of jail, after he spent some time in jail and cameback, he realized that he couldn't come back to the apartment because he had beenevicted and he sued and he said, you're discriminating against me.And the court in that case actually said, well, you have to try.Let him have his reasonable accommodation.And, you know, but I think that's not, in my view, that wouldn't be a reasonableaccommodation. It's not reasonable to allow someone who has, you know, extremebehaviors like that, you know, again, that's a direct threat that we can't keep otherpeople safe or that even that resident, we can't keep them safe.So that's the extreme example.But, you know, most cases are not as extreme and most cases you're going to have to trythe reasonable accommodation and sometimes multiple reasonable accommodations beforeyou would say you're violating the terms of the resident contract or the lease or theagreement, whatever it is that we have.And now you're going to have to leave or move up to a higher level of care.You're going to have to try a few different reasonable accommodations to be safe beforeyou can generally do that or you'll risk potentially a fair housing claim.Well, that's very messed up, just to realize that for everybody, because to see thatsomeone who physically attempted to murder their landlord was jailed for it and nowevicted, reasonable accommodation, that sounds crazy.But I agree with you on that.I wholeheartedly agree.I think that's fair.But I just felt like I, you know, I had to, you know, kind of raise that to say it's notnecessarily a slam dunk.But generally speaking, yeah, when somebody is a direct threat and it's not speculative,it's not fear that something might happen, it's something did happen.Right. So I want to be clear about something.When it comes to reasonable accommodations, as a provider, you can and should haverules. You don't have to make it willy-nilly, but you are allowed to have reasonable rulessurrounding common accommodations, reasonable accommodations.So, for example, let's use the scooters again.It would be probably very high risk if you just said we don't allow scooters.But it's OK if you said we allow scooters, but we have these rules.A rule, I always encourage my communities to have reasonable rules.A rule might be that you have to sit with therapy and review the rules of the communityto use a scooter first.You know, get educated on it and then sign off that you're agreeing, you understand allyour questions have been answered and you agree to abide by the rules.And those rules might be things like you can only drive your scooter as fast as anon-disabled person can walk.You don't have the right to drive your scooter around like Speed Racer.Right. It may say you have to have a horn and lights if you're going to drive outside.You have to obey the rules of the road on campus.You have to have a flag.You can't park and block fire exits.You can't block mailboxes.If you're going to drive into the dining room, you have to have room.And I want to touch on something that you mentioned a few moments ago, saying mycommunity is older and it's not equipped for these big SUV scooters that people havenow. Under the ADA, which also sometimes can tie in with the Fair Housing Act, thereare also construction requirements.So the ADA went into effect in March of 1991.So did those construction requirements.So if you have construction that occurred after March of 1991 or if your building isolder than that, but you've done any kind of a renovation on your building and the termrenovation is pretty flimsy and loose.It could be even like redecorating can be considered a renovation.You then have to comply with the dictates of the ADA in terms of the physicalrequirements. Like so, for example, it talks about thresholds.You can't have, you know, a big where someone can't come up on the scooter, you know,because of the thresholds or, you know, with their walker, that's an issue.Thresholds, grab bars, lowering cabinets in handicap accessible units.A certain number of your units should be made handicap accessible.That depends on how many units you have.It's a percentage.And simple things like aisles wide enough for people to use their scooters.And arguably in our setting, you know, knowing that many, many people do have mobilityimpairments, it's even more important, you know, to make sure that your community hasabided by the rules and the Department of Justice, you know, and lots of fair housinggroups. And HUD also has put in a tremendous amount of money to talk about people'sfair housing rights and to make sure that providers and architects and contractors areaware of what the physical requirements are for spacing and things like that andthresholds. And they've spent a tremendous amount of money talking about that andmaking sure that people are aware.So it becomes very challenging in these days.Every month a case will come out at least once a month on, you know, again, the ownerof multi-family housing, the owner of senior housing, a municipality, you know, manydifferent types for failing to construct their buildings in accordance with therequirements of the ADA.So you have to be careful about that.But there are reasonable rules.So have them about service animals.You know, you can have about scooters, you know, any other kinds of reasonableaccommodations. You should have, you know, rules around the private duty aides.They're another reasonable accommodation that you should have rules about.Got it. Sometimes we see this, the application of these rules, you know, don't seem soreasonable. I know a particular construction project that was not required to have anelevator, but was required to have handicapped accessible bathrooms on the secondfloor. Go figure.Right. Right.I don't know how, you know, somebody who's disabled, you know, then they would have tohave the right amount of housing on the first floor, you know, handicapped accessible.It wasn't a housing project per se.But, you know, we do see things like that sometimes, but that doesn't negate the rules.But if we can focus the conversation from a marketing standpoint.OK.We want to, you know, we titled this the do's and don'ts of nursing home marketing.So I know that there are things that we cannot say.For example, the nursing homes can't say that they're dementia units because there arelaws. This has nothing to do with Fair Housing, but this is the Department of PublicHealth. They haven't clearly defined a lot of regulations for what's qualified as adementia unit. And there's a whole process to go through.So you can call it memory here.You can call it a lot of other things.They can't call it by that name.I've actually walked in one of the nursing homes I was managing, at least in Massachusetts.I worked with the gentleman whose name is Dr.Paul Rea, and he's the one who wrote the regulations for what's called a dementia unit.And we were thinking of maybe turning one of our units, our memory, our unit thoughanyway was a dementia unit, to just make it an official one.And the cost and just the work that it would take, not just money, but also theinconvenience and the downtime that it would take to get it in compliance just didn'tmake sense. And we changed the wording in our marketing materials and we had the sameresult. So instead, we just decided, you know, it was a company decision, you know,should we do it, should we not do it, so how extensive it was didn't make sense.So question for you is what is the absolute, give me a great example of someone that didsomething horrific in their marketing or something that someone can do like really badin their marketing. And like, I guess I'm a worst case scenario person.And what happened as a result or what could happen as a result?So let me give you some examples of things that are risks in marketing when it comes tofair housing. And I've jotted a few of these down so that, you know, I cover everything.So the first one that I would talk about is models, models or people in your marketingmaterials, photographs of individuals, right?That can be problematic because, for example, we talked about the protected class of race,right? So if you only have photographs, they want to see, the government wants to seediversity. So if you have, you know, all Caucasian individuals, that could be a risk foryou because where are the people of color?You're not allowed to discriminate based on someone's color.What if everybody in your marketing materials is running, jogging, biking, doing yoga?Where are all the people that are on scooters, in wheelchairs, with walkers?So models can be potentially problematic.Another issue would be problematic language in your materials.Another one could be potentially, I know a lot of times marketing, especially in the CCRCsetting, will do what's called a targeting marketing campaign, right?So they want it, they're targeting to a particular income level.All right. And they're sending the materials out to that, to the people in a particulargeographic area that meet those income requirements.Well, there have been cases where that's been considered to be a discriminatory practice.Why? Because you're only sending all your marketing material specifically to potentiallyjust white people.Okay. And you're excluding and you may not have any discriminatory intent with that, butthat's the way it comes out.And in the Supreme Court has decided that in fair housing, there is something calleddisparate impact.It doesn't have to be that you purposely discriminate against somebody, but there is anactual disparate impact.So that's an area that you want to be careful about.Lack of an improper, lack of the fair housing logo, it's the little house, or having thelogo, but it's minuscule.You can't see it. If you have the logo and you should have the logo, the fair housinglogo, it's put out by the government.If you have one for leading age and you have one for, you know, whatever local societiesyou belong to and they're all of a certain font and your fair housing is teeny tiny inthe bottom, that's problematic.There is no requirement, by the way, on font, which makes it a little bit more complicated.But you want to make sure that it's the same size as everything else.Exclusionary practices for admission.Again, we don't let people in with scooters or we don't let people in with serviceanimals. Problematic applications, asking lots of, again, this is for independent living,not for nursing or, you know, assisted living or personal care.Asking medical questions, if you're not a type A community, that can be potentiallyproblematic. Asking intrusive questions, asking them to undergo a physical exam.If you don't have, you know, a guarantee of moving through the continuum of care, thatcan be highly problematic.Improper. Oh, I mentioned the improper request of physical exams.Steering, which is a term of art in the fair housing world.Steering means that I come in and I either and government, by the way, and so do fairhousing groups, send testers in to ask these questions and try if they think there'sdiscrimination going on, they will send somebody in who pretends to be an applicant oris looking for housing for their loved one and ask the questions to see what the answersare. Steering means that I come in and I say, hey, you know, my mom is looking forindependent living.She uses a scooter.She needs some help with her medication management.You know, she sometimes gets a little bit confused.And, you know, if you were to say to me, well, you know, she might feel a lot morecomfortable if she goes over into assisted living.That might be a better place for her.We don't really like those kinds of people in independent living.We don't want to look like a nursing home.That's steering. And that is illegal under the Fair Housing Act.Discriminatory denial of reasonable accommodations.And again, being aware of the state and local laws that expand upon the protected classesand making sure that you are not, again, discriminating against additional protectedclasses that your local jurisdiction or state may have in place.So those are a whole series of marketing risks that I would tell you you have to becareful of. Got it.So let's say I have an assisted living and I am targeting a certain group because this isthe group that actually needs the service, can afford the service, will maybe want theservice. Is there no legal way to target that group?If I'm going to put people, let's say, let's see an example of models or even, you know,language. If I'm going to put words on there or pictures or other things that don'tresonate with them, then they're obviously much less likely to, you know, to respond.It doesn't mean that these are the only people that are marketing to.I may have a separate brochure and a separate marketing plan for, you know, for adifferent ethnic group or a different protected class.But right now I want to focus on these people.You know, an open invitation is no invitation.Come over to my house any night you want for a barbecue.That means you're not invited. I'm not even telling you my address.But if I say Tuesdays at 4 p.m.having a barbecue, you know, please bring over, bring over your family.Here's my address. Then you're invited.Right. So the point is, people will resonate to marketing material if they will act on itresonates with them. So if it's, you know, if it's tailored to them, then it'll work.Can I? Is there no legal way to do that?There, you know, well, first of all, I want to be clear.I'm not giving legal advice here.I'm giving you advice from a risk management standpoint.And so, you know, listen, everything that we do is associated with a risk benefit analysis.Right. So I want to be clear about that.So a community can make a determination.What is their risk tolerance?If they really want to market and target towards a particular, you know, group because oftheir income. And it turns out that that they feel like we could be accused ofdiscriminatory behavior because it's going to go to, you know, all white people.That is a question.If you still want to market to that group, I'm not here to say you can't do it or youshouldn't do it. I'm just saying, be aware that that's a risk.Right. So anything that you market on could be a risk.But if you think that the benefit of targeting a particular group of people is going to,you know, bring in the people that you want or that you think would benefit from yourservices, then that would be your assessment of and that would be a risk tolerance toyour community. Right.Got it. Who are the discrimination police that are going to bring this case in front of,you know, they're going to get, you know, secret people coming in undercover and askingfor service.So the DOJ has testers that work for them in the Civil Rights Division.Now, who brings it to their attention so that someone would want to come down?Yeah. So I'm going to tell you, there are a lot of fair housing advocacy groups outthere. There are a lot of law school clinics that also have fair housing, you know,clinic that are staffed by law students.The government gives money.They're like quasi-public, private, public government entities.They get money from the government in recognition of their work and they get money fromthe government to do that.So they are there to enforce fair housing rights.Usually the way it would work is if I am an individual, many times this is how ithappens. I'm an individual.I go, I apply for residency at a particular community.I feel that I've been discriminated against for whatever reason that, you know, mydisability, my religion, the color of my skin, whatever it is.I go to a fair housing group and I make a complaint.If they, they will then investigate my complaint.If they feel that there is some validity to that, they will do their own research.They will start their own investigation.They will have testers.They will go out. They then turn it over usually to HUD.With their findings, if they feel that there is what we call a pattern or a practice ofdiscrimination, they will send it to HUD.If HUD, the Housing and Urban Development Office of the government, feels that it risesto a certain level and they think that there is a discriminatory pattern and practice goingon, then that gets referred over to the Department of Justice.So the lawsuit can either be me, Wildrick versus ABC Senior Living.If I feel that I've been discriminated against individually, I can sue you instate court or federal court.If it's a fair housing group, then a lot of times, you know, that fair housing groupwill bring it on my behalf.So it would be Wildrick and the Fair Housing Alliance versus if it goes to HUD, itwould be, you know, HUD, Housing and Urban Development v.the housing community.And again, in the worst case scenario, it rises up to the level of the DOJ, theDepartment of Justice, and they will bring the claim and it will then be the UnitedStates of America. It will be in federal court and it will be brought against you.So there are they are essentially what you're referring to as the police.They are the enforcers.They are bringing them. But private claims can be brought by individuals or by privatehousing groups. And there are loads of them out there or the government can do it.Well, so now on a professional standpoint, where do you come in the business thatyou're involved in? Which piece of this?Are you the police? Are you the defendants?Are you just educating people to stay away from the cops?Right. So my job as the risk manager for FSA, for the communities that we work with, webring we do lots of education.We do lots of fair housing education, both for marketing and admission staff, as well asstaff within the community that is responsible to move people through that continuum ofcare. So we do loads of education for them.We also come in many times and we do education for the residents themselves.We have meetings with residents.Sometimes residents, for example, may say, you know, things that we feel areinappropriate, like why is so and so in the dining room?She's in a wheelchair and and she's totally out of it.And I don't want to look at that when I'm eating and, you know, or asking questions.Why is this person living in independent living?This person doesn't belong here.She's not like the rest of us.She should go into assisted living.You know, we have a problem with it.We're here to educate the residents on their rights as residents, as well as, you know,what the Fair Housing Act says and why we're not going to share any details andinformation with them about other residents and what we're doing with them and forthem as far as reasonable accommodations or any any other way that we're working withthem. So we like to educate the residents.We also work specifically with marketing teams.We help them with, again, do's and don'ts in their marketing materials, language thatthey should have on all of their websites, on their brochures, on anything that they'redoing. We help them with information on, you know, things to share and not share duringtours. So, you know, we're here and we develop all kinds of templates for policiesand procedures and things of that nature.We also work with the risk management committees to review all of the marketingmaterials and the website before they actually go live and before anything's printed tomake sure that everything is, you know, on the up and up, both from a fair housingstandpoint and a general risk management standpoint.We don't want people over promising that, you know, it's all about for us settingrealistic expectations.So we're here at FSA to help our communities understand what it is, understand therisks, and also develop policies, procedures, rules, guidance.So we talk about rules and we have templates for rules for service animals, rules forscooters, rules for private duty aid, hold homeless agreements, indemnificationagreements when somebody does want to hire a private aide to make sure that theyunderstand that we're not responsible for, you know, what they do or what they doincorrectly or what they fail to do.So those are all things that we do at FSA in our risk management program to assist theorganizations that we work with.Fascinating.We've gone a little bit later because you're sharing, you're dropping all the jewelsthere. But the question for, is there anything, it may not be necessarily fair housingrelated, but if there are residents in a senior living setting that completelydisregards all discriminatory laws and regulations, to have some people that justdon't care anymore and they'll say things to the staff about their religion, aboutthe color of their skin, about the country that they come from, about their accent, andthey'll, they have nothing to lose.Is there any recourse, and you can educate them, but they don't care.Is there any recourse that providers can do to help really prevent their staff, notprotect their staff, or the residents from each other, when you have residents thatcompletely ignore all the rules that we're discussing?Well, that would be a topic for an entire other podcast.But what I will say is what you're describing for your employees is a hostile workenvironment. And even if you cannot stop the resident from saying, you know, thebigoted, you know, racist kinds of things that you're describing, you cannot, as aprovider, throw your hands up and say, oops, sorry.You know, in one particular case that was, it's a fairly recent case that was broughtfor a hostile work environment.The CNA was being, you know, spoken to in that manner that you just said, and alsosexually harassed, groped, touched, you know.And the administrator in that case, the language that she used was, put your big girlpanties on and deal with it.OK. And they got hit with a massive verdict.So you don't want to do that.But so, again, there are things that you should and can do to mitigate the harm thatcomes to employees. So, you know, for example, you might want to switch staffingpatterns around. You might, if it's somebody that is, you know, touching inappropriately,then you might want to use, you know, a male caregiver or you might send that person inwith a second caregiver at all times.Or you might, again, like in the case of the CNA that I was just talking about, she hasto be moved to a different wing away from that resident.And that's when the administrator said that to her.So, again, you want to look, there's all different things that you can do.But what you shouldn't do is to basically throw your hands up and say, there's nothingthat I can do about that.No, of course not. No, the question is not about the staff, but the question is, is thereanything that can be done to, I guess, to encourage or force the people who live inthat setting not to engage in those practices?Well, other than what you just described, you know, like the education, and obviouslyit's going to depend on the, you know, on the competency of that individual.If that individual has intellectual disabilities and or dementia, right, right.But if they don't have those things, then, you know, and they're not abiding by therules, then there may have to be, you know, after you've spoken to them, anddocumentation is key, you have to be documenting everything you're doing, everyeffort you're making, every conversation that you've had.And if that resident is refusing, then there may have to be a discharge in that casebecause you're not able to care for them anymore.Got it. Got it.Fascinating.If people want to learn more about the topics that we're discussing or learn moreabout you and your company, where's a good resource, where's a good place to send themto?Our website, FSAinfo.org, is a good place, and it has, you know, a number of theresources that we have on there.We, you know, we provide a lot of different services in addition to risk management.Awesome.Okay.FSA, what is it, FSAinfo?Yeah, FSAinfo.org.Okay.We'll include that in the show notes.I'm going to take a little peek.All right.Any final thoughts before we let you go for today?Again, I think it's really important that you recognize and discuss, you know, whatyour risk tolerance is because the message that I want you to take is, yeah, there area lot of fair housing rules and the advocacy groups really, you know, they take a verystrong position pro-tenant, pro-resident.You know, myself, you know, representing providers and on the, you know, trying tokeep providers out of trouble, I might take a more restrictive view of it, but it'sreally be aware of what the risks are and then make informed decisions about your riskbenefit analysis and what your risk tolerance is.Sometimes it might be better to decline admission to somebody, you know, and risk afair housing claim than to take somebody in that, you know, is not appropriate andit's going to struggle in a particular level of care, you know, and it's going to, youknow, be really a massive burden to you.You might choose to take the risk of potentially a discrimination fair housing claimthan to take somebody in that, you know, is going to be incredibly problematic andpotentially present you with a negligence action.Got it.Got it.Okay.I'm just going to, wait, you just want to unmute.I know you didn't, I'm sorry.I'm looking at the wrong place here.That's my bad.But there's just one comment here from Hannah.It says, thank you, Christina, for sharing your expertise as a marketing professional.Christina living in organizations is very interested in to think through the risks,which is definitely true.And there's something that you brought to us.Thank you very much, Christina, for joining us today and for sharing everything that youshared over here on the show.It definitely has been very informative just about, like you said, knowing the risks, whento take them, when not to take them.Right.Okay.You're welcome.Thank you for having me.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs have Rae Dawson to discuss the basics of Continuous Care Retirement Communities (CCRC). Rae is a CCRC expert and spent her original career primarily managing people and projects in high-tech in Silicon Valley for many years before gaining an interest in CCRC.She explains what it means for a facility/community to be a CCRC and why most assisted care facilities are not CCRCs.Listen in to learn more about CCRC regulations in North Carolina, the importance of having a plan before moving into a CCRC, the types of CCRC financial rating sources, and the five different CCRC contract models in NC. You will also learn about the factors determining how long it might take to get into a CCRC and why it's not too soon for you to think about getting into a CCRC when in your 50s.In this episode, find out:Rae's background career in high-tech and Continuous Care Retirement Communities (CCRC).What it means for a community to be a CCRC and why most assisted care facilities are not CCRCs.The importance of having a plan if you decide to age in place or move to a CCRC.The CCRC regulations in North Carolina, plus how to use the Department of Insurance website.Why it's not too soon for you to think about getting into a CCRC when you're in your 50s.The types of CCRC financial rating sources, what they offer, and what to consider when selecting a CCRC.Understanding the five different types of CCRC contract models offered in North Carolina.Factors that determine the type of CCRC contract model you should consider.Tweetable Quotes:“To be a CCRC, a community has to offer multiple levels of care, which are independent living, assisted living, skilled nursing, and they will typically also offer memory care.”- Rae Dawson“If you cannot find a facility/community on the Department of Insurance website, it's not a CCRC.”- Rae DawsonGet in Touch with Rae:Email: rae01dawson@gmail.com Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

As Baby Boomers and those on the cusp of retirement search for their next chapter, Continuing Care Retirement Communities (CCRCs) or Life Plan Communities emerge as a noteworthy option. In this episode, Phil sheds light on the key aspects you should consider when determining whether these communities are a suitable choice for your retirement.   Here's some of what we discuss in this episode: 1:40 – Some background on CCRCs 5:28 – Questions to ask when considering a CCRC 11:31 – Personalizing your living space + contracts 15:25 – Is the CCRC accredited? 17:12 – When should someone consider a CCRC? 18:05 – Potential cons of a CCRC     For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: Phil's Tax Hacks and Other Retirement Facts

On this new episode of the Our 2 Cents podcast, Steve kicks things off by recapping his recent live interview about financial preparedness on WGN news. Then, he and Gabriel take a comprehensive look into Continuing Care Retirement Communities and how they are emerging as a noteworthy option for many retirees.Recap of Steve on the News:We hear about having money for a rainy day — how much is a good amount to have saved up?Should you prioritize saving or paying off debts?What documents should you keep protected?Why is life insurance important to have?Exploring Care Opportunities in Retirement:Why would someone want to consider a Continuing Care Retirement Community (CCRC)?What are the financial benefits and considerations with these types of facilities?What kinds of amenities are offered at CCRCs?How should the quality of care be evaluated?

We recently did a Rich Girl Roundup on how to talk money with aging parents, and the response for a deep-dive was overwhelming. So, we rounded up the most common questions and brought back Kim Davis from the Bahnsen Group to walk us through everything we need to know for our parents' golden years. We're pulling together a comprehensive checklist to walk through with your loved ones, and we'll share it in next week's newsletter. Subscribe now so you don't miss it: https://www.morningbrew.com/money-with-katie/subscribe. Transcripts can be found at podcast.moneywithkatie.com — Mentioned in the Episode Rich Girl Roundup: How to Talk Money with Aging Parents: https://podcast.moneywithkatie.com/rich-girl-roundup-how-to-talk-money-with-aging-parents/ Kim Davis on The Money with Katie Show on Prenups: https://podcast.moneywithkatie.com/to-prenup-or-not-to-prenup-with-the-fiscal-feminist-kim-davis/ Hybrid Long-Term Care Insurance Policies: https://www.brighthousefinancial.com/education/healthcare-planning-for-retirement/what-is-hybrid-long-term-care-insurance/ Inflation Riders on Long-Term Care Insurance: https://www.insure.com/long-termcare/inflation-riders.html Buying Long-Term Care Insurance in Someone Else's Name: https://www.annuityexpertadvice.com/long-term-care-insurance-for-parents/ What's Not Covered by Medicare: https://www.medicare.gov/what-medicare-covers/whats-not-covered-by-part-a-part-b How to Qualify for Medicaid: https://www.nolo.com/legal-encyclopedia/when-will-medicaid-pay-nursing-home-assisted-living.html Will vs. Trust: https://www.investopedia.com/articles/personal-finance/051315/will-vs-trust-difference-between-two.asp Guardianship of Younger Children: https://sapientlawgroup.com/estate-planning-attorney-pasadena/designation-of-guardian/ CCRCs & Senior Living: https://www.continuingcarecommunities.org/assisted-living/california/ — Follow Along at Money with Katie: https://moneywithkatie.com/ Watch on YouTube: https://www.youtube.com/@MoneywithKatie Follow Money with Katie! - Instagram: https://www.instagram.com/moneywithkatie/ - Twitter: https://twitter.com/moneywithkatie   Subscribe to The Money with Katie Newsletter - Sign up for free today: https://www.morningbrew.com/money-with-katie/subscribe/2 Follow the Brew! - Instagram: https://www.instagram.com/morningbrew/ - Twitter: https://twitter.com/MorningBrew - TikTok: https://www.tiktok.com/@morningbrew Learn more about your ad choices. Visit megaphone.fm/adchoices

On the latest episode of the Debtwire Municipals Muni Lowdown podcast, Managing Editor Paul Greaves speaks with reporters Sophia Clark and Simone Baribeau about the relatively new phenomenon of university-based retirement communities.On this podcast, Simone discusses when university-based retirement communities became a viable option about 15 years ago and breaks down the leasing structure.Sophia moves the discussion to operational considerations such as occupancy levels and the continuum of care provided. She then directs her comments towards the intersection of student housing and continuing care retirement communities (CCRCs).Sophia provides context for the credit risks associated with student housing and Simone provides the same analysis for CCRCs.Simone examines the potential rise of “on campus CCRCs” to create synergies.Sophia and Simone close the podcast providing their views on whether university-based retirement communities will grow over time.As reporters for Debtwire Municipals, Simone Baribeau covers Puerto Rico and healthcare beats, while Sophia Clark covers credits in the states of Connecticut, New Jersey, and New York.#CCRCs #highered

On the latest episode of the Debtwire Municipals Muni Lowdown podcast, Managing Editor Paul Greaves speaks with reporter Simone Baribeau about the challenges facing continuing care retirement communities (CCRCs).On this podcast, Simone delves into the basket of violated covenants seen in the CCRC space around debt service coverage, liquidity, and occupancy. The discussion turns to the desire of CCRCs to attract “risk tolerant” residents and marketing strategies employed. She also explores the contagion risk faced when a CCRC within geographic proximity of another one that has filed for bankruptcy. Labor costs have become particularly expensive with nurses and food service workers.Simone concludes by discussing the risks posed by weather events and factors involved in turning around a CCRC.As a reporter for Debtwire Municipals, Simone Baribeau covers the Puerto Rico and healthcare beats.#CCRCs #seniorliving #muniland

Have you given some thought to where and how you'd like to live in your retirement years?  Many insist on staying in the family home – without thinking about logistics of stairs and navigating the bathroom in later years.  Maybe you'll just downsize to a smaller home.  Others decide to move into a senior community, making new friends in these settings with like-minded and active adults.  The latest enticing option is Continuing Care Retirement Communities, which offer initial living in townhomes or condos, while guaranteeing acceptance for one or both spouses into assisted living or even memory care as the need might arise. This is a financial, as well as logistical and emotional decision, as many of these CCRCs require a large up-front deposit, typically funded by the sale of the family home.  Guarantees are involved, but you need to read the fine print.  You'll find an explanation and details in Terry's recent column. On this podcast, we will speak with Dana Smith, Chief Marketing Officer for Lifespace Communities (https://www.lifespacecommunities.com/), a non-profit  company that has 18 communities in seven states, ranging from Florida to Texas, and Illinois to Kansas.  As you'll hear in this podcast, Dana has the answers to so many questions, ranging from how to get that deposit back to what happens if you run out of money.   And she has tips on what to look for and what questions to ask if you are considering moving to a Continuing Care Retirement Community.

Mike Charles chats to Barry Kaganson (CEO and Founder of Auria Senior Living) about the launch of Coral Cove: Auria's first development in KZN and a game-changer for senior living on the North Coast. Located within the safety, security, and serenity of Zululami Luxury Coastal Estate on the shores of Sheffield Beach, Coral Cove offers a unique continuing care retirement community Barry explains that continuing care retirement communities (CCRCs), such as Coral Cove, are purpose-built communities in which older adults can live a sociable, hassle-free life with access to a wide variety of hospitality services, amenities, care, and support. ‘‘Given the growth on the North Coast over the past few years, the provision of lifestyle environments for the over-70s hasn't been catered for fully and Coral Cove is the first to comprehensively address this need,'' says Kaganson. Coral Cove offers beautifully designed freestanding garden villas, maisonettes, and apartments to suit whatever level of independent living or assisted living residents may require. Coral Cove, according to Kaganson, “will be, to the very best of our knowledge, the only senior living community of its kind in the world with direct beach access.” This leading retirement community will offer extensive facilities such as an outdoor and indoor heated swimming pool, air-conditioned cinema, entertainment facilities, an elegant restaurant, vibrant coffee shop, fully-equipped wellness centre, and state-of-the-art care centre catering for frail and dementia care. The Care Centre will be operational as the first residences are occupied. Offering extraordinary living for the best years of your life: find out more about Coral Cove at www.auria.co.za. Coral Cove Website · Radio Life & Style on Facebook · The Morning Show Sponsor: Excellerate Security

Mike Charles chats to Barry Kaganson (CEO and Founder of Auria Senior Living) about the launch of Coral Cove: Auria's first development in KZN and a game-changer for senior living on the North Coast. Located within the safety, security, and serenity of Zululami Luxury Coastal Estate on the shores of Sheffield Beach, Coral Cove offers a unique continuing care retirement community Barry explains that continuing care retirement communities (CCRCs), such as Coral Cove, are purpose-built communities in which older adults can live a sociable, hassle-free life with access to a wide variety of hospitality services, amenities, care, and support. ‘‘Given the growth on the North Coast over the past few years, the provision of lifestyle environments for the over-70s hasn't been catered for fully and Coral Cove is the first to comprehensively address this need,'' says Kaganson. Coral Cove offers beautifully designed freestanding garden villas, maisonettes, and apartments to suit whatever level of independent living or assisted living residents may require. Coral Cove, according to Kaganson, “will be, to the very best of our knowledge, the only senior living community of its kind in the world with direct beach access.” This leading retirement community will offer extensive facilities such as an outdoor and indoor heated swimming pool, air-conditioned cinema, entertainment facilities, an elegant restaurant, vibrant coffee shop, fully-equipped wellness centre, and state-of-the-art care centre catering for frail and dementia care. The Care Centre will be operational as the first residences are occupied. Offering extraordinary living for the best years of your life: find out more about Coral Cove at www.auria.co.za. Coral Cove Website

Advisors Jim Ciprich and Melissa Weisz of RegentAtlantic join Charlie Jordan to take a deep dive into Continuing Care Retirement Communities aka CCRCs.  We discuss who might benefit from a CCRC, the timing of that decision, the cost and contracts involved, how to pay for them, and success and horror stories. If you or your aging parent are navigating the decisions around senior housing and care, this is a great resource! Enjoy! To subscribe to our monthly email newsletter, The Retiring Well Connection, and to download your free copy of The Elements of Retirement self-assessment, visit us at https://www.brightworth.com/retiringwell. We will answer listener questions on a future episode of the show.  If you have a question for us to tackle, please email us at retiringwell@brightworth.com.  Bios and contact information for today's guests can be found here: Jim Ciprich: https://regentatlantic.com/team/james-j-ciprich/ Melissa Weisz:  https://regentatlantic.com/team/melissa-weisz/ 

This episode of TFT is packed full as our host Aaron Fish talks with the dynamic duo of resident engagement - Kelly Stranburg & Sara Kyle! We talk about why resident engagement in 2022 isn't just bingo and happy hours, and how the relationship between the resident engagement director and the food & beverage director can and should be one of the most important in any senior living community. Sara & Kelly are the principals at LE3 Solutions, a senior living consultancy focused on creating with their clients a foundation of engagement, health and well-being based on knowing the individual. Their philosophy is far more than adding a variety of programming options on a monthly calendar, waiting for people to show up at the right time and place. They know that health and well-being are not measured by attendance and participation check marks, rather by the joy, passion and vitality an individual experiences. Sara Kyle, Ph.D. has spent the last 13 years researching, designing, writing, and implementing resident well-being programs across the continuum of care. From leading and overseeing programming across 108 skilled nursing, assisted living and memory care communities to leading the charge for Holiday Retirement to transform their resident program in 260 communities, Sara thrives in challenging settings. Sara is widely known and respected in the industry. She presents at national conferences, pens articles in notable publications, and serves on various advisory boards. Kelly Stranburg, M.Ed., ACSM-EP, CSCS, CDP has worked with aging adults for over 20 years, with 13 of those specific to the senior living industry. Over the years Ms. Stranburg has supported many CCRCs and AL/MC communities. Her most successful roles have been new positions she has created from the ground up which has enabled her to come in to analyze and identify needs and gaps and then create and implement solutions for the greater good of the residents which in turn supports the operators' objectives. Kelly is the creator of award-winning Argentum Best of the Best Wellness Program for 2010, 2011, and 2012. She has been a featured author in the Journal on Active Aging and been a selected speaker at national senior living and active aging conferences. Tips From Trestle is a podcast focused on discussion about senior living food & hospitality. Hosted by Aaron Fish, he shares his thoughts, musings and discussions about the food & beverage operations, trends and happenings in the senior living industry. To support the podcast, click here: https://anchor.fm/tips-from-trestle/support Links: LE3 Solutions: www.le3solutions.com Sara Kyle: www.linkedin.com/in/sara-kyle-phd-0972504/ Kelly Stranburg: www.linkedin.com/in/kelly-stranburg-m-ed-acsm-ep-cscs-cdp-457b204b/ Aaron Fish: www.linkedin.com/in/aaronfish Trestle Hospitality Concepts: www.trestlehospitalityconcepts.com --- Support this podcast: https://anchor.fm/tips-from-trestle/support

Sara Kyle, Ph.D. has spent the last 14 years researching, designing, writing, and implementing resident well-being programs across the continuum of care. From leading and overseeing programming across 108 skilled nursing, assisted living, and memory care communities to overseeing the charge for Holiday Retirement to transform their resident program in 260 communities, Ms. Kyle thrives in challenging settings. She is relentless when it comes to urging individual point solutions to integrate and share resident data in one location. While best intentions and knowledge at the corporate level craft well-suited programs, the most effective programs originate from research and collaboration with residents, staff, families, and future prospects. Ms. Kyle is widely known and respected in the industry. She presents at national conferences, pens articles in notable publications, and serves on various advisory boards.Kelly Stranburg, M.Ed. has worked with aging adults for over 20 years, with 14 of those specific to the senior living industry. Over the years Ms. Stranburg has worked in or supported CCRCs and AL/MC communities. Her most successful roles have been new positions she has created from the ground up which has enabled her to analyze and identify needs and gaps and then create and implement solutions for the greater good of the residents which in turn supports the operators' objectives. Ms. Stranburg is experienced with new developments from start to finish, highly involved in acquisitions, and daily operations (sales, dining, hiring and training, programming, facilities, and community outreach). Ms. Stranburg is the creator of award-winning Argentum Best of the Best Wellness Program for 2010, 2011, and 2012. She has been a featured author in the Journal on Active Aging and been a selected speaker at national senior living and active aging conferences. Ms. Stranburg is an innovative leader and emphasizes wellness incorporated into all aspects of an organization in order to truly exude wellness and well-being for both residents and employees.

Melissa is Executive Director at Valle Verde, a HumanGood Life Plan Community (LPC) in Santa Barbara serving more than 400 residents and 300 team members.  Previously, Melissa was Vice President, Clinical Services at American Baptist Homes of the West (ABHOW), where she partnered with ABHOW's 11 CCRCs to uphold the organization's person-directed care philosophy statement. Before joining the ABHOW family, Melissa worked as a Project Guide for The Green House Project, a Robert Wood Johnson Foundation-funded national program transforming institutional long-term care.

Steve kicks off season 2 by welcoming back Stephen Martin-Bennet to update us on what's been going on at Lakehouse West since our last talk.Topics discussed include:Operating a senior living community through CoronavirusThe differences between buy-in and rental communitiesThe differences between privately owned and corporate communitiesFor more information about Lakehouse West reach out to Susan at 941-923-7525For questions about senior living, or to get involved with the show please email me at happylifepod@gmail.comSupport the show (http://www.patreon.com/happylifepod)

On this week's podcast the Americas Core Credit team replays our municipals webinar from a few weeks ago where members of our Americas Municipals coverage team discussed recent credit trends in continuing care retirement communities, or CCRCs, as the industry has seen a wide range of outcomes, including Vicar's Landing's recent borrowing of $84.4 million in connection with the expansion of its Ponte Vedra Beach community; the chapter 11 filings of The Harborside and The Buckingham; and defaulted credits that are still exploring their options, such as Glen Hope Harbor and American Eagle. If you are not a Reorg subscriber, request access here: go.reorg-research.com/Podcast-Trial

06-02-2021 Brian Gordon

Pennsylvania-based Kendal, which operates over a dozen CCRCs around the country, is in the process of developing Enso Village, a $300 million continuing care retirement community in Healdsburg, California, in conjunction with Greenbrier Development and the San Francisco Zen Center. The company describes Enso Village as “a zen-inspired life plan community [that will] focus on mindful aging, the joys of nature, environmental stewardship, contemplative care and healthy life choices for adults 60+”. As part of that focus, Kendal is partnering with Greens, a landmark vegetarian restaurant in San Francisco's Fort Mason district. Greens will work with Kendal on recipe development and fostering and expanding relationships with area growers as a big focus of the dining program will be on locally sourced, fresh product. In this FM One On One podcast interview, Ben Butler, Kendal's vice president of culinary services, talks about Enso Village and the plans for its dining component. He notes that as planning for the community proceeds, he will be looking for an executive chef with the experience and expertise to manage its very specialized dining program.

Pennsylvania-based Kendal, which operates over a dozen CCRCs around the country, is in the process of developing Enso Village, a $300 million continuing care retirement community in Healdsburg, California, in conjunction with Greenbrier Development and the San Francisco Zen Center. The company describes Enso Village as “a zen-inspired life plan community [that will] focus on mindful aging, the joys of nature, environmental stewardship, contemplative care and healthy life choices for adults 60+”. As part of that focus, Kendal is partnering with Greens, a landmark vegetarian restaurant in San Francisco’s Fort Mason district. Greens will work with Kendal on recipe development and fostering and expanding relationships with area growers as a big focus of the dining program will be on locally sourced, fresh product. In this FM One On One podcast interview, Ben Butler, Kendal’s vice president of culinary services, talks about Enso Village and the plans for its dining component. He notes that as planning for the community proceeds, he will be looking for an executive chef with the experience and expertise to manage its very specialized dining program.

https://www.asnmarketingplan.com/ep-114-senior-care-industry-netcast-with-denise-medved-ageless-grace/Denise Medved: www.agelessgrace.comI'm Denise Medved, and I'm the creator and founder of a neuroscience based program called Ageless Grace Brain Health. And we're in 50 States in the United States and we're in 29 other countries. And we train individuals, we train professionals in hospitals and other types of organizations, and we train staff who work for primarily CCRCs, continual care residential or retirement communities. And we train them in this program, which activates all five primary brain functions of strategic planning, memory and recall, analytical thinking, creativity and imagination and kinesthetic learning so that people can improve their brain health and the resilience of their brain, they can maintain their cognitive function and they can delay cognitive decline.

Pacific Retirement Services (PRS) was in talks with eight different universities last year when the pandemic hit, putting forward progress on ice. But the Medford, Oregon-based organization's new CEO, Eric Sholty, believes demand for these types of projects will come back when conditions in the senior living industry return to normal. In addition to its portfolio of 12 CCRCs, PRS is looking for smaller, single-site providers seeking to affiliate as a result of the pandemic’s pressures. And the organization also plans to grow its portfolio of 25 community housing properties that serve low-income adults. In this episode of Transform, learn: - How PRS is building census at its new Mirabella at ASU community on the campus of Arizona State University in Tempe - Why university-backed senior living projects could make a comeback after the pandemic - When Sholty believes a wider senior housing recovery will take hold - What the organization is focused on in terms of growth in 2021

How do you want to live your life in retirement? When thinking about retirement, you may make decisions about what you want your lifestyle to look like in the future or set goals that you want to achieve. You might consider where you want to live, what kind of community you want to be a part of, or even if you want to relocate outside of the US. In this Wine Down Show, we invited two special guests to join us. Julie Whelan Capell and Jeri McClenaghan-Ihde are Co-hosts of “The Seniortopia Show.” In their podcast, pre-retirees and experts discuss the opportunities and challenges on the road to retirement.  So, grab a glass of wine and listen in as Julie and Jeri discuss their hopes and dreams for retirement. In this episode, find out: Why Jeri and Julie created “The Seniortopia Show” and how it helps people consider how they want to live as they age The difference between CCRCs and cohousing How to join a cohousing community Why you might consider retiring abroad How relocating abroad could help your healthcare costs Tweetable Quotes: “It’s important to educate ourselves about the options available to us.” – Jeri McClenaghan-Ihde “We need to plan for retirement before we get to that magic age of 65.” ­– Julie Whelan Capell Important Links & Mentions: https://seniortopiashow.com/ (Seniortopia) Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit http://pomwealth.net/podcast (POMWealth.net/podcast). To receive our free book, Get Off the Retirement Rollercoaster, leave a 5-star rating review on Apple Podcasts and send a screenshot to morgan@pomwealth.net.

02-03-2021 Brian Gordon

Sara Kyle, Founder and Principal for LE3 SolutionsSara Kyle, Ph.D. has spent the last 12 years researching, designing, writing, and implementing resident well-being programs across the continuum of care. From leading and overseeing programming across 108 skilled nursing, assisted living and memory care communities to overseeing the charge for Holiday Retirement to transform their resident program in 260 communities, Sara thrives in challenging settings. She is relentless when it comes to urging individual point solutions to integrate and share resident data in one location. While best intentions and knowledge at the corporate level craft well-suited programs, the most effective programs originate from research and collaboration with residents, staff, families, and future prospects.When staff and residents are involved in creating a program or approach; interest, adoption and sustainability are remarkably higher. Successful programming is not just about a satisfaction score, rather quality of life beyond the basics of food, shelter and an expected level of care. If data collection is aimed to note participation of categorized activities, this is only one piece of the puzzle behind effectively measuring engagement.Sara is widely known and respected in the industry. She presents at national conferences, pens articles in notable publications, and serves on various advisory boards.Furthermore, she is fervent and highly skilled at building morale, delivering education, and bridging the gap between the executive team, community management staff and front line workers when it comes to who is responsible for resident programming.Sara's Links:LinkedIn: https://www.linkedin.com/in/sara-kyle-phd-0972504/LE3 Solutions: https://www.le3solutions.com/Kelly Stranburg, Principal at LE3 SolutionsKelly Stranburg, M.Ed., CEP, CSCS, CDP has worked with aging adults for over 20 years, with 12 of those specific to the senior living industry. Over the years Kelly has supported over 30 CCRCs and many AL/MCs. Her most successful roles have been positions she has created from the ground up which has enabled her to analyze, identify needs and gaps, and create and implement solutions for the greater good of the residents which in turns supports the operators.In a time of increasing competition for senior living communities, comprehensive wellness programs can help organizations remain financially fit by enhancing resident health and happiness and strengthening staff satisfaction. In addition, the need to simply connect with others, as we have seen to be of even greater importance during the pandemic, can be facilitated in safe and effective manners via an effective wellness program.Kelly is the creator of award-winning Argentum Best of the Best Wellness Program for 2010, 2011, and 2012. She has been a featured columnist in the Journal on Active Aging and a selected speaker at national senior living and active aging conferences.Kelly's Links:LinkedIn: https://www.linkedin.com/in/kelly-stranburg-m-ed-cep-cscs-cdp-457b204b/LE3 Solutions: https://www.le3solutions.com/Topics discussed:Discuss how the pandemic has elevated the value of resident engagement and the criticalness of connecting with family and friendsDiscuss why the pandemic has allowed residents a greater voice in what is offered and how moving forward it should continue to be embracedHow has the pandemic shifted the approach to activities?Other trends and solutions which extend longevity

What’s given retirees peace of mind this year? It’s certainly been a tumultuous year. After facing so many uncertainties, we wanted to take this opportunity to find out what’s given retirees confidence and peace of mind in their retirement plans this year. We’re delighted to share the final episode of the Wine Down Show for 2020. The Wine Down Show is where we share perspectives from those living in or phasing into retirement, so we’re delighted to be joined by four special guests, Tom and Lorrain Bowen, and Peter and Julie Kaylid. We invite you to listen in as we discuss topics from previous podcast episodes, including ‘Emily Smith – Continuous Care Retirement Community – What Are Your Options’, ‘Mark Hulbert – What it Means to Be a Contrarian’, and ‘Denise Appleby – Secure Act – Cares Act and Retirement’. In this episode find out: What to consider when looking at CCRCs and how they vary in amenities and cost The potential benefits of contrarian thinking What our guests have learned from the events of 2020 Why working with financial planners can give you peace of mind in an unpredictable time Tweetable Quotes: “In a nutshell, CCRCs do vary quite a bit. Some have independent care and assisted living care – you have to decide what amenities you want and what’s the cost of it.” – Julie Kaylid “If we were to invest emotionally, we’d be too close to it.” – Tom Bowen “There really is a peace of mind in a retirement planning approach.” – Peter Kaylid Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit http://pomwealth.net/podcast (POMWealth.net/podcast). To receive our free book, Get Off the Retirement Rollercoaster, leave a 5-star rating review on Apple Podcasts and send a screenshot to mailto:morgan@pomwealth.net. 

Learn how engagement increases conversion from lead to lease. The principals of LE3 Solutions share techniques for creating an efficient and timely engagement process, and wellness programs that originate from research and collaboration with residents, staff, families, and prospects. About Sara and Kelly Sara Kyle, Ph.D, Founder & Principal, LE3 Solutions Sara Kyle has spent the last 12 years researching, designing, writing, and implementing resident well-being programs across the continuum of care. thrives in challenging settings, from leading and overseeing programming across 108 skilled nursing, assisted living and memory care communities to overseeing the charge for Holiday Retirement to transform their resident program in 260 communities. She is relentless when it comes to urging individual point solutions to integrate and share resident data. LE3 Solutions proprietary Organizational Culture of Wellness Readiness Assessment benchmarks organization readiness for current and future consumer needs and desires and recommends steps to move forward. Kelly Stranburg, M.Ed., Principal Kelly Stranburg has worked with aging adults for over 20 years, with 12 of those specific to the senior living industry. Over the years Kelly has supported over 30 CCRCs and many AL/MCs. Her most successful roles have been positions she has created from the ground up which has enabled her to analyze, identify needs and gaps, and create and implement solutions for the greater good of the residents which in turns supports the operators. Kelly is the creator of the award-winning Argentum Best of the Best Wellness Program for 2010, 2011, and 2012. She has been a featured columnist in the Journal on Active Aging and a selected speaker at national senior living and active aging conferences. Key Takeaways The foundation of engagement begins with understanding the individual. The personal details matter. Autonomy, resilience, connectedness, and purpose are better metrics than measuring satisfaction. Word of mouth referrals create ROI on engagement—happy residents talk to peers about their positive experience. ROI on engagement must be measured constantly—analyze data month over month Movement is crucial to wellbeing—it is devastating to physically lose the ability to pursue your passions and interests. Thank you to our Season 3 Sponsor Project Relevance! Project Relevance is a boutique advisory group focused on bringing innovative products and services that advance the health and well-being of caregivers, older adults and those navigating end-of-life. Collaborating with a diverse and dynamic group of providers, professionals, consumers and funding sources, we help our innovators connect, solve and evolve in unique and relevant ways.

If you think that retirement communities are for people who believe that their best days are behind them, think again. There are many misconceptions around continuing care retirement communities (CCRCs), including who they’re for, what services they provide, and how much they cost. These preconceived notions can put many people off from considering them, but they could be a desirable option for your future. CCRCs are an increasingly popular choice for people transitioning into retirement. We wanted to find out more about these communities, so we invited Emily Smith, Director of Sales and Marketing at Glenaire retirement community, to join us and to answer some of our CCRC questions. Emily has been in the retirement community industry for over 20 years and has seen it evolve to meet residents’ wider needs. She’s champions CCRCs as a fantastic solution for retirees looking for an easier way of living while still enjoying their independence. In this episode, Emily provides an overview of what you need to know about CCRCs and why you should consider them as a retirement option. In this episode, find out: What a continuing care retirement community (CCRC) is What’s included in the five different CCRC contracts Why you shouldn’t hesitate to join a waitlist How diagnoses can affect applications When to consider moving into a CCRC How CCRCs are evolving to meet a wider range of health and dietary requirements What options there are for spouses and joint applicants How your long-term care insurance works within a CCRC Tweetable Quotes: “There is a price for peace of mind, it turns out. Because in our case, that's really what our residents are buying into is that peace of mind knowing that their care needs would be met for life.” “At Glenaire the age requirement [to move in] is 62. And if you're a couple, the first person has to be 62, and the second person has to be at least 58. But because of our long waitlist times, we do have people that have started joining the waitlist in their 50s.” “There really are no hidden fees for our residents. The monthly fee includes everything except their internet.” Important Links & Mentions http://www.glenaire.org/ (Glenaire’s website) Call Glenaire on (800) 225-9573 Text the Secure Your Retirement hotline with your questions on +1 (984) 207-1753 Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit http://pomwealth.net/podcast (POMWealth.net/podcast). To receive our free book, Get Off the Retirement Rollercoaster, leave a 5-star rating review on Apple Podcasts and send a screenshot to mailto:morgan@pomwealth.net.

Vi President Randy Richardson is an optimist, but he finds it hard to maintain a bright outlook in the midst of Covid-19 -- in fact, he fears that the worst is yet to come for senior living. But Richardson is still bullish on the industry's long-term prospects. Vi was able to adapt its operations, sales and marketing in order to mitigate the impact of Covid-19 to its 10 high-end CCRCs. All told, the company's occupancy has only dropped about 1%. In this episode of Transform, learn about: - Why Richardson thinks worse days may come in the Covid-19 fight - How the pandemic has impacted Vi's bottom line - If Vi still plans to return to rental senior living - Why Richardson is still bullish about Vi and the industry

As much of the country looks to get back to normal, nursing homes, personal care homes, and Continuing Care Retirement Communities (CCRCs) face a different timeline and set of rules on reopening. Therefore, long-term care communities won't follow at a pace like most other businesses and industries. We are joined by Kelli Mills, VP of Operations and Kim Valvo, Exec. Dir. of Resident Communities at Messiah Lifeways to discuss the topic and our ongoing approach to fight COVID-19. For more help and guidance on COVID-19 and older adults, visit: https://www.health.pa.gov/Pages/AlertDetails.aspx https://www.pa.gov/guides/responding-to-covid-19/#PhasedReopening https://www.cdc.gov/coronavirus/2019-ncov/hcp/nursing-homes-responding.html

Steve Moran, Publisher at Senior Living Foresight, is a forward thinker who write articles that challenge the way we think about senior care. He takes on tough topics and looks at all sides of the issue. Today we talked with Steve about affordability issues, the pros and cons of aging at home versus in senior living, and whether we have a staffing problem or a culture problem. Tune in to hear more. "Everybody says they want to age at home. But what if you were stuck at home? And a stranger came in once or twice a day to prepare your food or give you a bath. And it's not really affordable long-term. Is that really what you want?" ~ Steve Moran, Publisher, Senior Living Foresight ---------------------------------------------------- Watch or listen to: Learn about purpose-driven care and whether it's really valid for everyone Discover who are some of the most ageist people in the industry Find out why senior living makes it harder to "be the best me" Understand the stigma behind living in a senior community "I know people in CCRCs who won't tell people that they live there. One gentleman told a story of a CEO of a tech startup who turned down publicity because 'if his investors found out he was living in a senior living community it would kill his business.'" ~ Steve Moran, Publisher, Senior Living Foresight ---------------------------------------------------- Want to join the Maverick Movement? Have a story on how you or your team are fostering ingenuity. Share it with us and check out our other episodes to light your innovation fire. Don't forget to subscribe for more great interviews.

Senior living is changing at a rapid rate, and CEO Doug Leidig has been focused on keeping Asbury Communities ahead of the pack. Leidig is now in his fifth year at the helm of the Frederick, Maryland-based provider, which has a portfolio of seven CCRCs as well as an affiliated technology services company and other lines of business. In this episode, Leidig shares how the nonprofit's culture has changed to support ongoing growth and innovation — without huge spikes in anxiety among its workforce. Learn more about: -- How "co-opetition" has replaced competition in senior living -- Plans for Asbury's new CCRC management technology platform -- How Asbury is repositioning for tomorrow's consumer

The continuing care retirement community model is changing to account for boomers’ wants and needs, and to make CCRCs more important players in the U.S. health care system. To hear more about where CCRCs are headed, listen to the latest episode of Transform, a podcast about the people and ideas shaping the future of senior living, sponsored by PointClickCare. In this episode, you’ll hear from Kendal Corp. President and CEO Sean Kelly, and Summit Vista CEO and Executive Director Mark Erickson. Learn more about: — How and why Summit Vista partnered with health care system Intermountain — Kendal’s involvement in a $300 million CCRC being developed around Zen principles — The role that skilled nursing will play in the CCRC of the future — Whether partnerships and technology can lead to more affordable offerings

The challenges of government reimbursement and shifting consumer demand have hit non-profits in the skilled nursing space particularly hard. Many of them have exited the business entirely, with independent non-profits and local governments moving to cut their losses and sell. Non-profit continuing care retirement communities (CCRCs) have also shied away from the sector, with some companies exploring CCRC-like models without any skilled nursing at all. But Altenheim Senior Living, a CCRC in Strongsville, Ohio, has no plans to eliminate its skilled nursing presence. The non-profit has 170 skilled nursing beds, and got its start more than 100 years ago as a nursing home. That said, it has moved to diversify its offerings in the face of increasing reimbursement pressures. In this episode of Rethink, Altenheim CEO Paul Psota discussed the company’s evolution in the changing skilled nursing world, as well as the role of skilled nursing in senior living. Listen to this episode to hear: -How Altenheim began evolve beyond skilled nursing, starting with assisted living -Why it decided to purchase an outpatient therapy provider -How SNFs can benefit from short-term rehab amid the push to lower-cost settings

CCRCs, Connecticut Community Colleges, Vernon, Calif. And More On The Muni Lowdown by Debtwire Radio

In this episode we interview Brad Breeding the Co-Founder and CEO of MyLifeSite.net. MyLifeSite.net is the premier website for ALL information about CCRCs. Just a ton of free information for consumers, advisors, even communities, alike. Like the guide to the viability of CCRC's, which I highly encourage everyone to get. It's free folks! Brad and I discuss the history of CCRC's. The issues they face if they are a not-for profit. And, most importantly, the viability of CCRCs with an aging population. How do you price the fees accordingly to make sure you are well-capitalized to take on the risks inherent with long term care? The first thing Brad recommends to anyone considering a CCRC is to see if they have an agreement with an actuarial company that provides analysis. If the CCRC does not, how exactly are they pricing future costs? That is a critical, maybe the most critical, factor to consider when it comes to choosing a CCRC. Will they be there when you need them most? --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

Puerto Rico's court and legislative hearings, CCRCs and Connecticut in this week's Muni Lowdown by Debtwire Radio

CCRCs, Puerto Rico and the US Virgin Islands in this week's Muni Lowdown by Debtwire Radio

Episode 21: Managed Care In SNFs And CCRCs. Recorded by Sheri Tomlinson.

Today's featured guest is Denise Rabidoux, President and CEO of EHM Senior Solutions. EHM Senior Solutions is a not-for-profit organization with a history dating back to 1879. Formerly known as Evangelical Homes of Michigan, EHM operates senior living, Medicare At Home and private-duty LifeChoices Programs. EHM is one of the industry leaders in the movement of what is called Life Plan Communities, formerly known as Continuing Care Retirement Communities (or CCRCs) without walls. These programs allow healthy active older adults to maintain their independence at home, but also enable them to make arrangements for long-term care in the event of a change in their acuity.  Throughout its long history, EHM has always worked to stay focused on the client and involve them in the organization's transformation. They've made it a priority to listen to the customers' voice above their own, especially during times of strategic planning and discernment. Denise has led the organization for the majority of its transformation from a focus on skilled nursing centers and nursing homes to what EHM is today. She's known nationally for her ability to work with a team of employees to transform existing programs and build new ones that focus on technology and innovation and a high-tough approach to the array of services and solutions that EHM Senior Solutions provide. From serving 660 seniors in 2000 to nearly 6,000 seniors each year today, EHM is committed to saving individuals no matter where they are on life's journey and no matter where they call home.

Meet Channie Peters, longtime Bainbridge Island volunteer and host of over 150 BCB podcast interviews. Channie and her husband, BCB founder Barry Peters, will be moving away shortly; in this podcast BCB host Christina Hulet talks with Channie about her experiences and observations living on the island for 16 years – what's changed, what our strengths are, and what we could do differently as a community. A very active member of our community, Channie is perhaps best known for helping her husband Barry launch Bainbridge Community Broadcasting (BCB) in 2014. But in addition to hosting interviews for BCB and teaching and mentoring new hosts, Channie has also been involved with many local organizations over the years. Not only has she volunteered at the Bainbridge Island Museum of Art; she's also served on numerous local boards, including the Bainbridge Community Foundation, the Bainbridge Public Library, and Cedars Unitarian Universalist Church. Listen here as Channie reflects on her many years of community involvement and the challenges inherent in an evolving life. How does, for instance, a retired banker become a podcaster? What do we have to let go of in order to do something new? And, how can we handle change as individuals and as a Bainbridge community? Channie also discusses her and her husband's recent decision to move to a Continuing Care Retirement Community (CCRC). CCRCs offer people over 60 a continuum of independent living, residential assisted living services, memory care and skilled nursing care all in one place. (More information can be found at www.seniorliving.org/lifestyles/ccrc). While her choice to move is being made primarily to be closer to her grandchildren, Channie also helps us to understand the value of making significant changes like this one while you're still energetic and healthy enough to become an active member of a new community. However difficult it may be -- choosing to leave a place in which you've invested so much -- Channie shares her insights with grace and a deep respect for Bainbridge. We know she will be missed.  Credits: BCB host, Christina Hulet; audio editor and social media publisher, Diane Walker.

Meet Channie Peters, longtime Bainbridge Island volunteer and host of over 150 BCB podcast interviews. Channie and her husband, BCB founder Barry Peters, will be moving away shortly; in this podcast BCB host Christina Hulet talks with Channie about her experiences and observations living on the island for 16 years – what’s changed, what our strengths are, and what we could do differently as a community. A very active member of our community, Channie is perhaps best known for helping her husband Barry launch Bainbridge Community Broadcasting (BCB) in 2014. But in addition to hosting interviews for BCB and teaching and mentoring new hosts, Channie has also been involved with many local organizations over the years. Not only has she volunteered at the Bainbridge Island Museum of Art; she's also served on numerous local boards, including the Bainbridge Community Foundation, the Bainbridge Public Library, and Cedars Unitarian Universalist Church. Listen here as Channie reflects on her many years of community involvement and the challenges inherent in an evolving life. How does, for instance, a retired banker become a podcaster? What do we have to let go of in order to do something new? And, how can we handle change as individuals and as a Bainbridge community? Channie also discusses her and her husband’s recent decision to move to a Continuing Care Retirement Community (CCRC). CCRCs offer people over 60 a continuum of independent living, residential assisted living services, memory care and skilled nursing care all in one place. (More information can be found at www.seniorliving.org/lifestyles/ccrc). While her choice to move is being made primarily to be closer to her grandchildren, Channie also helps us to understand the value of making significant changes like this one while you’re still energetic and healthy enough to become an active member of a new community. However difficult it may be -- choosing to leave a place in which you’ve invested so much -- Channie shares her insights with grace and a deep respect for Bainbridge. We know she will be missed.  Credits: BCB host, Christina Hulet; audio editor and social media publisher, Diane Walker.

In the June 11, 2013 episode of Boomer Generation Radio, Rabbi Address discusses Kendal Corporation's Quaker-based network of senior living facilities with Beryl Goldman and Cheryl Wade of Kendal Corporation. Biographies of Guests [caption id="" align="alignleft" width="150"] Beryl Goldman, Ph.D, RN, NHA, Director for Kendal Outreach, LLC[/caption] BERYL D. GOLDMAN, Ph.D, RN, NHA, Director for Kendal Outreach, LLC, plays a critical role in facilitating restraint free policies and care practices. Currently, she oversees the Pennsylvania Restraint Reduction Initiative, which received a grant for its 17th year in July of 2012; and the implementation portion of The Pennsylvania Department of Health's Best Practices Project, a five-year project which ended in 2006; and also led the implementation for a one-year project, Models to improve Care, sponsored by the Ohio Department of Health. Currently, Beryl serves as Project Director for the federal Health Resources and Services Administration Nursing Education, Practice and Retention Grant in partnership with Widener University. This three-year grant is designed to improve the quality of care provided in nursing homes in the Delaware Valley by offering leadership training to nursing leaders working in long-term care. In addition, Beryl serves as the Outreach Leader for the national Hospital Bed Safety Workgroup, which includes representatives of academia, the health care industry, and government working together for safety.       Cheryl Wade is director of philanthropy for the Kendal Corporation. Boomer Generation Radio airs on WWDB-AM 860 every Tuesday at 10 a.m., and features news and conversation aimed at Baby Boomers and the issues facing them as members of what Rabbi Address calls “the club sandwich generation.” You can hear the show live on AM 860, or streamed live from the WWDB website. Subscribe to the RSS feed for all Jewish Sacred Aging podcasts. Subscribe to these podcasts in the Apple iTunes Music Store.

Continuing care retirement communities can be a great option for many people.  I can move into one community that can meet all my needs, from independent housing to assisted living to nursing home care as I need it.    In Show 18 of his monthly elder law podcast, Yale Hauptman, a practicing elder law attorney, provides an overview of CCRCs, the pros and cons.  So often, he sees people enter into these financial arrangements without closely examining the 40+ page contract that typically the resident must sign.  The contracts often require a large upfront financial commitment.  What will the CCRC agreement cover?  What won’t it cover?  What happens if you run out of money?  What if the facility runs out of money?  If you are considering a CCRC for yourself or a loved one you’ll definitely want to tune in first. Click here to listen To subscribe to our podcasts click here Please send us your feedback