Tuesday, September 27, 2022

Ct Pilot Program For Assisted Living

Now Open Empowered Assisted Living In Brookfield Ct

County Pilot Program Aims To Provide Rent Help For Seniors

Here, we prioritize the living in assisted living. Forget what you know about assisted living facilities. The Linden at Brookfield is a vibrant community where residents live mostly independent lifestyles, knowing they have a supportive safety net that will provide the care they need to thrive. Our staff is compassionate and caring, providing person-centered care that celebrates independence. Simply put, assisted living at The Linden powers your independent lifestyle.

The Linden at Brookfield provides holistic assisted living care with a whole lotta heart. What does that mean? It means that everything we do is intentional, purposeful, and has the best interests of our residents at the center. We put our heart and soul into our residents care, creating a unique senior living experience.

Assisted Living Admission Requirements

Assisted living communities in Connecticut cannot accept any resident who is in need of 24-hour nursing care, unless the resident is able to arrange for that care. Any resident of an MRC is able to access assisted living services at any time, either from the licensed MRC or a third party agency. In order to be admitted to an MRC, a person must be able to leave the building on their own in case of emergency.

Connecticut Pays Your Nursing

I found a program that helps people in need to afford assisted living services. Its name is the Connecticut Private Pay Assisted Living Pilot Program. It covers up to $2,360 monthly for nursing care within assisted living communities. This blog shares what I know so far.

I. Background

The Private Pay Assisted Living Pilot Program is a remarkable budget innovation. When seniors enter nursing homes and depend on Long-Term Care Medicaid, this is expensive for Connecticut. To save money, the state wants to instead help people afford private pay care in assisted living homes. So, for assisted living residents with qualifying financial and medical needs, the state pays up to $2,360 of their monthly medical costs. This is powerful. If residents have sufficient social security, pension income, long term care insurance, Aid & Attendance VA pension assistance, or family support, this $2,360 can help them stay in assisted living homes and never need a nursing home or Long-Term Care Medicaid assistance. Meanwhile, the state saves money, because the Pilot Program costs the state less than Title 19 Medicaid at nursing homes.

II. Assistance

The Pilot Program only helps pay nursing expenses charged by the assisted living home. The state sends funds directly to the assisted living home. The home then charges less to the resident, so the resident saves money and avoids nursing home placement.

#1. Occasional pays $24.02 daily or about $744.62 monthly.

#1. $136.71 + $744.62 = $881.33 monthly.

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Managed Residential Community Requirements

An MRC must provide a private apartment , with a restroom including a tub or shower and a kitchen area. The managed residential community is also responsible for the daily care of residents by providing:

  • 3 regularly scheduled meals a day and access to food at all times
  • Regularly scheduled laundry and housekeeping services
  • Regularly scheduled private transportation services
  • Social and recreational programs to engage residents
  • Clean and maintained units
  • 24-hour security and emergency call systems
  • Washers and dryers for every resident
  • Common areas that allow for at least 50% of residents to be in the area together
  • Sufficient dining space to allow for regularly scheduled communal meals

Find Affordable Assisted Living For Connecticuts Low Income Seniors

Connecticut Pays Your Nursing

In less than two minutes, our video tutorial will show you how to easily determine which senior care facilities in Connecticut are geared toward low-income seniors, and which of them accept Medicaid, Medicare, Connecticut Home Care Program , and other assistance programs.

This video was produced by Assisted Living Directory.

This video is also embedded on our Connecticut Assisted Living Facilities page, so you can return to that section to watch it, and to research facility options on Assisted Living Directory.

Weve created this video to teach our users how to use trustworthy, state-data and resources to find assisted living, and many other forms of senior care, and to be able to identify those facilities that are appropriate for, or geared to low-income seniors.

The State of Connecticuts Long-Term Services and Supports section offers an excellent Directory of Providers that lists comprehensive facility information for many categories of senior care, including:

Adult Day Care

Selecting the Assisted Living link will take you to Connecticuts 2-1-1 Search Results for Assisted Living, which displays facilities statewide for Connecticut. The information can be sorted, mapped, and printed.

and much more.

The information presented should be considered extremely trustworthy, and unbiased, as it is provided through State of Connecticut Resources.

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Finding Appropriate Housing In Your Area

Of course, your final decision on a facility will depend on more than cost alone. Youll want to find a community that fits the needs of your loved one in a convenient location that will also keep them happy and fulfilled each day. HUD has compiled an exhaustive multifamily inventory of housing units for the elderly and persons with disabilities. Though not all housing units qualify as assisted living, they are all subsidized HUD housing for seniors and persons with disabilities. You can click the link for your state, and begin to make inquiries at locations that sound promising.

  • Category pages

Requirements For Reporting Abuse

Connecticut law states that any professional working in a managed care residency or for an assisted living service agency is a mandatory reporter and needs to be trained on how to detect elder abuse and report it. Failure to report any suspected or witnessed abuse within 72 hours is a misdemeanor for the first offense and carries a $500 fine.

To report an issue with a residents nurse, you can file a complaint online with the Connecticut Department of Health. To complain about care staff or other aspects of a licensed care facility, contact the Facility Licensing and Investigating Section. Call the state Long-Term Care Ombudsman at 860-424-5238 for assistance in filing complaints.

To report suspected or witnessed abuse, call the elder abuse hotline at 1-888-385-4225.

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What Are My Finance Options

Selling a home is a significant financial transaction and seniors who may need to sell a home to help supplement the residency fees at a senior living community are advised to seek financial and tax advice. If you need to sell a home to help fund senior living costs, there are several options to consider. When the need for cash upon sale of a home is immediate yet the sale will occur some months later, there are companies such as Elderlife Financial Services, which offer bridge financing- this is a short-term line of credit to be used to help pay monthly residency fees while you wait to sell your home.

If you wish to sell your home to escape the maintenance and overhead obligations while moving into a senior living community, but have no immediate need for the cash equity, you should seek tax advice on the capital gains tax implications. If you are likely to incur a significant capital gain tax and will be needing some cash equity to supplement residency fees, consider doing a cash-out refinance, then rent your home. A Reverse Mortgage may not be optimal as bridge financing for seniors intending to move into a senior living community because of mortgage covenants requiring you to live at home, except that a short-term respite contract could be feasible. We work with experts in elder law who can advise you regarding transactions of this nature and complexity as this is but an example of what may be possible.

More Ways To Finance Assisted Living

WorkinCT: Senior living facility in Windsor Locks aims to be a place for seniors to call home

Some additional ways to finance assisted living costs include:

  • Veterans Benefits: Veterans can take advantage of several different pension programs to help cover the cost of assisted living. For more information, see the article on benefits.va.gov.
  • Life Insurance Policies: Even if a spouse or loved one hasnt died, certain types of life insurance policies can be used to pay for assisted living. More information is available at longtermcare.acl.gov
  • Long-Term Care Insurance: Long-term care insurance is a type of insurance policy that pays for long-term care when it becomes necessary, including the cost of assisted living. For more information on the benefits and drawbacks of this financing method, visit longtermcare.acl.gov.
  • Reverse Mortgages: Reverse mortgages allow seniors to access the equity from a home that they own, and these funds can be used to pay for assisted living. The U.S. Department of Housing and Urban Development offers a federally insured reverse mortgage program.

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Financial Assistance Options For Low Income Elders

The following public and private resources can help low-income elders and their families afford the cost of assisted living. Keep in mind that every assisted living community is a little different, so its always a good idea to speak with each facility to learn more about their payment options and what forms of assistance they are willing to accept.

Connecticut State Supplement Program

The state maintains a cash assistance program for the elderly, blind or disabled residents who have a monthly income like SSI or VA benefits, but not enough income to pay for needed healthcare services like assisted living. This is an additional monthly payment that the recipient can spend as they choose if living independently, or that is provided directly to a care provider, depending on the persons individual circumstances.

Who is Eligible

There are age and income restrictions on who is eligible for this program.

  • An applicants age must be at least 65.
  • He or she must be a citizen or resident alien of the US and a resident of Connecticut.
  • Applicants must be eligible under strict income guidelines there must be a monthly income, such as SSI or VA benefits. In most circumstances, monthly income cannot exceed $906 for an individual, or $1,415 for a married couple.
  • Assets can be no greater than $1,600 for an individual or $2,400 for a couple.

How to Apply

Call 1-855-6-CONNECT to speak to the Department of Social Services Benefits Center, find your local DSS office, or go online to www.connect.ct.gov to learn more and apply for this and other services

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Residential Options For Older Adults

Descriptions of facilities that provide residential services for older adults are presented below. Providers of these services are listed in Connecticuts Community Resources Database.

Independent Living Communities/Complexes for Older AdultsService Name:Independent Living Communities/Complexes for Older Adults

These are market rate apartments or planned communities or condominiums that are age restricted. They are designed for older adults who are in reasonably good health and can live independently. The minimum age is usually 55 for at least one of the residents, but sometimes it is 62. They generally offer recreational activities and supportive services, but such services vary by community. This type of housing is not licensed by the state of Connecticut.

Subsidized Rental Housing for Older AdultsService Name:Low Income/Subsidized Private Rental Housing for Older Adults

Subsidized rental housing for low income older adults, also known as Elder Housing, is usually for people age 62+, but some sites accept ages 55+. Rent is based on income, and is funded and managed by federal, state, or local housing programs. This type of housing is for older adults who can live independently. It is not licensed by the state of Connecticut.

Congregate Housing

Assisted Living

Residential Care Homes/Rest HomesAdult Residential Care Homes

Nursing HomesSkilled Nursing Facilities

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Financial Assistance For Assisted Living In Connecticut

Connecticut Pays Your Nursing

The state of Connecticut offers programs for low-income elderly residents who need assistance with their activities of daily living but want to avoid moving into an expensive, isolating nursing home. These programs pay for care received in-home or the community, such as an assisted living facility. These programs are state-funded and could be limited due to low funding. Connecticut does not assist in paying for room or board in assisted living facilities.

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Assisted Living Service Agencies Scope Of Care

A managed residential community provides residents with all regularly scheduled meals and snacks, housekeeping , activities, and social opportunities. They must also provide transportation to regularly scheduled outings for shopping, recreation, or medical appointments, not on the city bus or other public transportation.

At any time in their stay at an MRC, residents will have access to an assisted living service agency that provides help with any activities of daily living as their needs increase. Nurses and nurse aides are provided by the ALSA to help with activities such as:

  • Personal care tasks like grooming, eating, using the restroom, and taking a bath
  • Taking medication, by reminding or opening containers if needed
  • Transitioning from laying or sitting to standing up
  • Preparing food for a special diet
  • General housekeeping

Understanding The Cost Of Senior Living And Assisted Living Services

Regulations in Connecticut require a Managed Residential Community, such as any Everbrook Senior Living community, to offer certain core services to residents who lease a unit including but not limited to prepared meals, activities and recreation, transportation to appointments, and housekeeping including regular maintenance of the unit. Massachusetts regulation requires that senior living communities provide much the same supportive services as cited above.

Everbrook offers units for lease on a monthly basis. All core service are included in the residency fees for all units. The costs for personal care and nursing oversight services are determined after an assessment reveals the extent of your need for care and the costs are additional to fees for housing and core services.

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Assisted Living Staff Training Requirements

Any residential care administrator must have completed sufficient education to earn a license through the Department of Health. Every MRC must employ a service coordinator, who has earned at least a Bachelors degree or worked in the field for four years. Every ALSA must hire a nursing supervisor that meets similar requirements. Designated supervisors or nurses can provide training of direct care staff if they have at least two years of employment in a care home, at least one of which is in person-centered care for the sick at home.

A managed residential community may provide services that use unlicensed care staff or assisted living aides. The MRC is responsible for determining what is the appropriate percentage of unlicensed care staff that need to be trained. These staff members will be trained for at least 10 hours prior to providing direct care, and at least one hour bi-monthly on topics like:

  • Care of residents and policies put forth by the ALSA on how to perform services
  • Patients rights including termination of residency and reporting abuse
  • Dementia signs and Alzheimers disease
  • Current topics related to the aging population

Connecticut Home And Community Based Services Waiver

County leaders vote to create a pilot program to prevent senior homelessness

Medicaid doesnt pay for assisted living directly, but there is a waiver available that can pay for services received while in assisted living. The Connecticut Department of Social Services Home and Community Based Services waiver may help pay for doctors visits, medication, transportation, and other healthcare services, including personal care services provided to people living in an assisted living facility. There is currently a long waitlist for this program.

Who is Eligible?

Applicants must qualify for Medicaid to be eligible the waiver. To qualify for long-term care coverage through Medicaid, Connecticut citizens must meet the following eligibility criteria:

  • Applicants must be legal US citizens or resident aliens, and residents of the state.
  • Monthly income limits are set at 300% of the federal SSI standard, which is a total of $2,313 for an individual and $3,471 for a married couple in 2019.
  • Total assets cannot exceed $2,000, or $3,000 for a couple. Community spouse laws may apply that allow for protection of some assets, like houses with equities valued between $585,000 and $878,000. An eligible spouse may have other income guidelines and asset protections.
  • The applicants need to be age 65 and older, or disabled.

How to Apply

To initiate services with the Medicaid office you can call 1-855-626-6632 to reach a specialist, visit a local Department of Social Services field office, or you can apply online for a speedier process.

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Connecticut Senior Nutrition Programs

The state runs many programs to improve the nutrition of elders aged 60+ and their spouses throughout the community. There are food banks, communal meal sites and home-delivered meals available to seniors, with no income restriction. You can find a program to suit you and your families needs by calling your local Area Agency on Aging, visiting your nearest senior center or call a Senior Community Cafe in your area.

How To Apply / Learn More

To apply online for the Assisted Living benefits from the CHCPE, go to the new online application. Those who prefer to apply in person can find the local field offices for the Department of Social Services available here. Be aware that there is a cap on the number of participants allowed in the program. Therefore, a waiting list may exist.

To learn more about the assisted living option, a pdf with additional information is available for download here.

Free assistance is also available to help Connecticut seniors find affordable assisted living communities. Get help here.

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