Senior care, march 25, 2015

Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, March 25, 2015 1

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INFORMATIONAL GROUP TOURS

Saturday, March 28

2 Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, March 25, 2015

For most people, aging brings the potential for an increase in health conditions, care needs and support required. As this happens, it’s necessary to review the needs for optimal living arrangements. This means as you or a loved one can continue enjoying retirement, there may come a time when more care is needed than an in-home caregiver. It’s imperative to understand the different choices to promote the best in health, wellness and safety.

55-plus/Active Adult: This can be a perfect fi rst step for retirement living for adults who are independent, active and maybe even still working. These communities offer benefi ts of staying in an independent home or living space. They do have appeal of social connections with neighbors in similar age groups, but none of the hassles of yard and home maintenance.

These communities can be found as rentable apartment/condos or townhouses, or homes for purchase.

Rental options are great for those who don’t want a long-term commitment. These living options offer a lifestyle free of yard and most home maintenance obligations, allowing for residents to go about their retirement doing the things they most enjoy such as spending time with family, traveling or pursuing hobbies. Plus cable, Wi-Fi, and some utilities may also be included in the monthly rent. These communities may include fi tness centers, activity

centers, on-site cafes and community gardens. Most have large clubhouses for parties like family reunions or meetings. Homeowner association dues may be required

for security gates, yard care and snow removal and more. Independent Senior Living: This choice offers a balance between remaining in one’s own home and moving to a nursing home facility. It allows for the maximum independence, yet offers support where needed. Most communities are designed as apartment homes, townhouses or cottages.

Depending on the community, rent for an Independent Living home

can include weekly housekeeping, dining options, transportation, access to a variety of community activities and fi tness center. Some basic care options can also be included, such as medication management. Costs depend on community location, amenities, size of the home and if a personalized care plan is needed. The beauty of this living option is that it allows for as much independence as possible and provides support that continues to promote long-term independence.Assisted Living: This option promotes being active and remaining independent in the areas where it is feasible and safe. This allows residents yet another step in retirement living where they can get support and care needed without having to transition to a full-care nursing facility. Residents can usually enjoy the same activities, outings and social gatherings as Independent Living residents. They may be more suited to Assisted Living if there is more confusion about medications, fears of falling, or challenges with daily tasks like bathing, dressing, preparing meals or even mobility.

Some communities make it easy to transition to different levels as level of required changes. This allows for residents to build lasting relationships with friends and staff, remain within the community even when the level of care changes. Continuum of Care: If remaining in the same community long-term, no matter the level of care needed, is a goal, then this type of community is the ideal setting. These communities

are designed to support basic care needs/Independent Living all the way up to Skilled Nursing and more. It’s an excellent option for residents who may need varying levels of support over time, but who want to enjoy similar social support and familiarity with the staff. This familiarity can make the adjustments in living arrangements less scary. Most communities include meal options, housekeeping and more for these living options. Exact costs depend on the community location, amenities and specifi c care plan needed.Nursing Home: When more care is needed a skilled nursing care facility/Nursing Home may be an answer. Continuing Care communities usually have this option right in the same community, just a different building. There are also plenty of skilled nursing-only facilities for those who have not yet made the move to a senior living community or only need this care option. Skilled nursing facilities typically offer 24-hour professional care. Sometimes residents only need to stay temporarily after a trauma or surgery, and the goal is to help them regain as much function and independence as possible. Other times, residents may need long-term care based on a specifi c health condition.

Nursing home living is normally a single-bed room or a double-bed room. These may also be referred to as private or semi-private rooms, respectively. Unlike Independent or

By NICOLE SKINNER/Marketing Correspondent

continued on page 15


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Open House Saturday, March 28th • 10:00 am - 2:00 pm

Tours of our Retirement Community and Triplex HomesParking Available

Saturday, March 28Please call the following facilities to register for a specifi c time to be guaranteed a spot in the tour

There will be one lucky winner from each facility!!Register at each facility you visit for a random chance drawing

to win a $100 Fred Meyer Gift CardVisit numerous facilities and increase your chance of winning.

Take a TourGet a chance to WIN $100 gift card to Fred Meyer*


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gift card to Fred Meyer*

Call to schedule your tour time.1 Broadway Court Estates 10 am & 2 pm 13505 E Broadway Ave Spokane Valley 509-921-02492 Orchard Crest Retirement 10 am & 2 pm 222 S Evergreen Rd, Spokane Valley 509-928-22223 Garden Plaza of Post Falls 11 am to 1 pm 545 North Garden Plaza Ct., Post Falls, ID 208-773-37014 Lilac Plaza Retirement Home 9 am & 2 pm 7007 N. Wiscomb St., Spokane 509-489-76125 Harvard Park 10 am - 4 pm 1616 E. 30th Avenue, Spokane 509-747-27036 Sullivan Park 10 am - 4 pm 421 S Adams, Spokane Valley 509-924-55557 Riverview Retirement 10 am & 1 pm 1801 E. Upriver Dr., Spokane 509-483-64838 Fairwinds Retirement 1 pm & 4 pm 520 E. Holland Ave, Spokane 509-468-10009 Brookdale Harbor Crest 10 am & 2 pm 3117 E Chasen Ln, Spokane 509-443-8500

*One tour participant winner from each facility will be selected by random drawing. Courtesy of The Spokesman-Review.


Brandpoint

Retirees have a message for people still working but wondering what life might be like once they retire: “Come on in, the water’s warm.” But they also say that it pays to plan, the earlier the better, because retirement might come sooner than you expect.

A recent study, sponsored by Massachusetts Mutual Life Insurance Company (MassMutual), found that approximately eight in 10 retirees are enjoying themselves in retirement, seven in 10 can afford a comfortable lifestyle, and two-thirds feel fi nancially secure. The survey also indicated that few retirees characterize themselves as being bored, lonely or anxious, and nearly half (45 percent) retired sooner than they expected.

The study, Hopes, Fears and Reality - What Workers Expect in Retirement and What Steps Help Them Achieve the Retirement They Want, polled more than 900 retirees one to 15 years

into retirement and another 900 plus pre-retirees one to 15 years before retirement, all of whom had at least $50,000 in savings and investments.

The research paints a positive picture of retiree lifestyles and adaptability. More importantly, it provides insights into the most important steps to take

in preparing for a happy retirement.“The study provides Americans

with a roadmap for enjoying a happy, secure and fulfi lling retirement,” says Elaine Sarsynski, executive vice president of MassMutual Retirement Services. “There was a clear distinction between what steps the happiest retirees took compared to those who were less fulfi lled.”

Among the steps taken by the happiest retirees were the following:

• Calculated the best time to begin collecting Social Security benefi ts.

continued on page 7


The qualifying age for receiving full benefi ts is gradually moving to age 67, depending on your birthdate. The benefi t is reduced for those who take it sooner. For those who wait, the benefi t increases each year until age 70.• Targeted how much money they would need to retire comfortably and estimated their medical and dental expenses in retirement.

It was a prudent step as many people said their medical and dental expenses were higher in retirement than anticipated.

• Created a budget for their retirement income and expenses and made an effort to increase their savings at least fi ve years before stopping work.

The 2015 contribution limit for 401(k) plans and other employer-sponsored retirement plans is $18,000 plus an additional $6,000 for employees age 50 and older.

• Worked with a fi nancial advisor.

The overwhelming majority found their advisor to be helpful in preparing for retirement.

• Made new friends and/or re-connected with old friends before retiring.

While it’s important for everyone to have a social network, it’s especially important for retirees.• Focused on strengthening the relationship with their spouse or signifi cant other.

In many instances, pre-retirees fi nd they need to re-establish their relationship with their signifi cant other when children leave the nest.

• Developed a new hobby or cultivated new interests to make life more fulfi lling.

“Whether retirement came as planned, late or early, the majority of today’s retirees will tell you that a happy, comfortable and secure

retirement is an attainable goal,”Sarsynski says. “With common sense

and planning, all of us can aspire to a fulfi lling retirement reality.”

Complimentary Hearing Screenings& Hearing Loss Education

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Call to schedule your tour time.1 Broadway Court Estates 10 am & 2 pm 13505 E Broadway Ave Spokane Valley 509-921-02492 Orchard Crest Retirement 10 am & 2 pm 222 S Evergreen Rd, Spokane Valley 509-928-22223 Garden Plaza of Post Falls 11 am to 1 pm 545 North Garden Plaza Ct., Post Falls, ID 208-773-37014 Lilac Plaza Retirement Home 9 am & 2 pm 7007 N. Wiscomb St., Spokane 509-489-76125 Harvard Park 10 am - 4 pm 1616 E. 30th Avenue, Spokane 509-747-27036 Sullivan Park 10 am - 4 pm 421 S Adams, Spokane Valley 509-924-55557 Riverview Retirement 10 am & 1 pm 1801 E. Upriver Dr., Spokane 509-483-64838 Fairwinds Retirement 1 pm & 4 pm 520 E. Holland Ave, Spokane 509-468-10009 Brookdale Harbor Crest 10 am & 2 pm 3117 E Chasen Ln, Spokane 509-443-8500

SPOKANE

COEURD’ ALENE

*One tour participant winner from each facility will be selected by random drawing. Courtesy of The Spokesman-Review.

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WIN $100 gift card to Fred Meyer*


‘The talk’ about the birds and the bees can be uncomfortable. Later in life, there’s another type of discussion that can also be challenging: the conversation between adult children and their parents about living arrangements.

It’s hard for many children to see their parents transitioning to a different phase of life, especially one that may require more care than the child can provide. It’s also very diffi cult for parents to surrender independence, let alone consider moving from a home they may have been in for years.

But this discussion is important to help maintain a high quality of life, health and well-being.

These tips may help make this discussion positive and productive.Do it soon

For parents, it’s a good idea to talk about senior living options even if you don’t think you’ll need to make a transition for years. For adult children, no matter the age of your parent, it is better to open the lines of communication long before a decision has to be made. Laying a proper foundation for future needs and wants can help ease the transition when the time comes or if any unexpected health conditions arise. Planning ahead allows children to

honor their parent’s wishes as much as possible if parents are ever unable to make the decision on their own.Focus on Health, Safety

It may be tempting to bring in other problems or past issues, but it’s important to only focus on the most essential reasons new arrangements need to be made: current facts and safety concerns. It also lets each person be heard in regards to their wants and needs on this specifi c issue. Ditch the Guilt

Parents often don’t want to burden children with problems, or let them know they need more care than is being given. Children may feel guilt after the moving a parent to a senior living community. The heart of the situation is making sure there is a safe place to call home and care provided at the appropriate level – no matter where or who provides the care.Know Options

Research the different types of are available in the area and compare them to what is needed or anticipated. There may even be slight variations between communities, so be sure to check out the

specifi cs of each community. Perhaps one of them may allow more independence or cater to hobbies or interest that will enhance the quality of life.

It’s extremely important to address it as soon as possible, especially if there are any long-term medical conditions where changes in independence and health are unavoidable. It’s also a good idea to make sure siblings are all on the same page with the decisions that come out of this discussion. This is one of life’s dreaded conversations, but one that every parent and child needs to have.



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C O M E S E E W H AT A L L T H E E X C I T E M E N T I S A B O U T !

Tour our beautiful Independent Living Cottages and Assisted Living Community and enjoy fine wines and specialty cheeses.

One lucky person will win a $100 grocery gift card! We will also be selling raffle tickets for a chance to win

our “Everything Spring” gift basket.

$1 per ticket, or $5 for 6 tickets. All proceeds go to the Alzheimer’s Association.

For more information and to RSVP: (509) 924-5555 or [email protected]

Prestige Independent Cottages & Assisted Living at Sullivan Park

Saturday, March 28th, 10:00 a.m. to 4:00 p.m.

Prestige Independent Cottages & Assisted Living at Sullivan Park 411 S. Adams Rd.Spokane Valley, WA 99216

mailto:[email protected]


{ It’s big! }

OPENHOUSE.

Come enjoy spectacular Spring move-in specials, refreshments, and door prizes!

Learn about our fun social and recreational activities. Take a look

inside a few apartments during our city-wide open house tours.

Call (509) 468-1000 now to RSVP or schedule a private tour.

www.leisurecare.com • Assisted Living Services Available

Saturday, March 28th — Tours at 1:00pm and 4:00pm

http://www.leisurecare.com


Brandpoint -- You maxed out your 401(k) every year you worked, invested wisely and planned carefully in preparation for retirement. Perhaps you even researched your Medicare options and you know exactly what health and drug plans you’ll choose. But if you’re like the majority of other Americans approaching - or in - retirement, you’ve likely overlooked a critical aspect of retirement planning and investment: dental insurance.

By 2030, 72 million Americans will be 65 and older, the Administration on Aging predicts. Currently, 70 percent of American seniors don’t have dental coverage, according to a report in the Journal of Dental Education. Medicare does not provide dental coverage, so when their employer-sponsored dental insurance ends, many seniors discontinue dental coverage - and dental care -altogether. Yet dental insurance is one of the cheapest “retirement investments” seniors can make. And the health costs of not having dental care can be devastating.

“Dental health is a critical issue for senior citizens,” says Dr. Jed Jacobson, chief science offi cer of Renaissance Life & Health Insurance, and the director of the Renaissance Dental Research and Data Institute. “Discontinuing dental insurance is risky at best. The absence of regular preventive dental care can have permanent, devastating effects on a senior’s overall health and well-being.”

Research shows that oral health is linked to overall health, especially for senior citizens. Preventive dental care or regular dental cleanings can help eliminate the mouth-borne bacteria that can compound a number of age-related health concerns. Many of the medications seniors take can lower the amount of saliva they produce, making them more susceptible to infection in the mouth. Bacteria that develops in the mouth can spread throughout the body, Jacobson notes, causing or worsening problems such as:* Cardiovascular disease - Bacterial endocarditis, a serious infection inside the heart, is caused by bacteria that normally develops in the mouth.* Infections in prosthetic joints * Diabetes - Nearly 12 million seniors have diabetes, and untreated periodontitis - a common oral disease - can make it harder to control blood sugar levels.* Oral cancer -

Age is a primary risk factor for many forms of cancer, and the median

age for diagnosis of oral cancer is 62, according to the National Cancer Institute. Oral cancer can cause serious debilitation, disfi gurement and even death - in fact oral cancer has one of the highest mortality rates of any type of cancer. It is also the costliest cancer to treat, ranging from $100,000 to $250,000, research by the Renaissance Dental Research and Data Institute reveals. Preventive dental care, such as routine checkups, is the best way to catch oral cancer in its earliest, most treatable stages.

“Poor dental health does not have to be a reality of retirement,” Jacobson says. “Many debilitating oral health issues can be prevented by regular dental examinations.”

Even though Medicare doesn’t cover dental care, the open enrollment period (Oct. 15 to Dec. 7) is a good time for retirees to think about dental insurance, Jacobson says. While seniors receiving Medicare can make changes to their health and drug coverages only during open enrollment, they can enroll in a private dental insurance plan at any time.

Typically plans like those offered by Renaissance Dental cover preventive care for an affordable premium - as low as $25 per month. Insured seniors can visit any dentist they choose, but they can save even more by visiting a dentist from Renaissance’s nationwide network of more

than 200,000 preferred provider locations. The company specializes in retiree dental care and is licensed to sell group and individual policies in all 50 states. Visit www.rensmile.com or call (888) 791-5995 to learn more and to obtain plan pricing information.

“Research shows that patients are 50 percent more likely to schedule regular dental checkups when they have dental insurance,” Jacobson says. “By continuing their dental benefi ts into retirement, and getting regular dental screenings, seniors can take advantage of one of the simplest, most cost-effective and potentially life-saving measures available to preserve their health during retirement.”

http://www.rensmile.com


If you’re just starting to consider housing options for an elderly loved one, it can be a little, OK, a lot, confusing at fi rst. There are different levels of care and different types of homes to match this, and meanwhile your loved one may need assistance ASAP, especially if they are transitioning from one level of care to another.

In some cases, they can take a lead role in the decision of where to relocate, but other times, this decision may land on your shoulders.

Here are some suggestions on how to assess what type of home you’ll want to consider. Level of independence

Desire and activity level for hobbies, fi tness and socializing

Medication management and care needed for medical conditions

Ability to maintain home and perform regular housework

When trying to decide on the right fi t, consider if you or your loved one are still living an independent and active lifestyle. Is this level of independence sustainable for some time? If so, a 55+ or active adult community may be a good fi t.

These communities offer many of the benefi ts of staying in your own home, but often remove the hassles of yard maintenance and sometimes home maintenance.

Retirement communities offer the social connections of being surrounded by other like-minded active seniors. This living option are often generally homes or townhouses that you purchase within the community, however, there are some apartment-style rental options. This living arrangement is best for those who do not need any assistance with daily living or medical care or assistance.

If you need something with a little more help but want to keep as much independence as possible, then consider independent living facilities or communities. This living option tries to maintain a balance between independence and care assistance for maximum quality. These communities have staff that can help you with housework, dining options and coordinated group activities and outings.

Should daily living and health needs be elevated and require more care or help than an independent living arrangement, assisted living options still promote being active and remaining independent in the areas where it is feasible and safe.

This allows you yet another step in senior living where support and care are available without having to transition to a full-care nursing facility. You can usually enjoy the same activities, outings and social gatherings as independent living residents. Assisted living is

usually a good choice for if you need help more than a couple times a week, if there are concerns with falling down or if daily personal care is too diffi cult – just to give a few examples.

If medical care needs and/or loss of independence drives the need to consider senior living options, a skilled nursing facility or specialty care community may be the right fi t. These facilities often have 24-hour medical staff on site to address and attend to any needs for their residents. This living option can be long-term if you have an ongoing medical need, condition or need pain management or could be temporary if this level of care is due to recovery from an illness, surgery or other trauma.

Many of these facilities still offer a social room and activities to promote interaction and keep you as active as possible for given your specifi c condition.

Choosing a senior living option for yourself or a loved one is often one of the most important and most diffi cult choices to make as an adult.

The key is to remember that you have a choice. Consider the best housing type based on independence level, safety and well-being. Research and visit several of the options in the area before committing to anything. Once you’ve been able to review and see fi rsthand what a community is like, it will help give you confi dence that you’re

selecting the best option for your individual needs.



continued from page 2

Assisted Living homes that are apartment style living, these rooms usually consist of a bed, chair, dresser and most likely and adjoining bathroom (sometimes shared between rooms). However, many of these facilities still offer a social room and activities to promote interaction and keep residents as active as possible.

Due to the high level of care and monitoring, there’s generally higher costs for this option.Rehabilitative care: For those with existing health conditions or ailments, there may be more challenges or a longer-term prognosis for healing and recovery. Today’s senior living options include centers or communities that offer these services and living arrangements on a temporary basis until normal activities and independence can be restored.

During a stay at a rehabilitative facility, individuals work with skilled nurses, therapists and technicians according to a specifi c treatment planned designed with the individual’s

physician. Treatment and care can include physical, occupational and speech therapy. The goal is to prepare each patient for the return to their normal living arrangements and minimize the opportunity for repeat or additional injuries at home. Some centers are located in retirement communities and others are part of medical centers. Because this living arrangement and care is usually short-term and medically-based some costs may also be covered by insurance or health plans. Memory Care: Dementia is an umbrella term describing a variety of diseases and conditions that develop when nerve cells in the brain die or no longer function normally. The most common is Alzheimer’s disease, which 5 million Americans 65 and over were battling as of 2013.

Some communities specialize only in Memory Care and others include it as part of their spectrum of senior living options. Because the care for someone

suffering from Alzheimer’s or dementia can be an around the clock job, it can be very diffi cult for a family member to take on this role alone and provide in-home care. Memory Care can include around the clock staff and healthcare professionals.

Some memory care housing options include cottage or home living with private bedrooms and bathrooms. The home-like atmosphere can create a safe and secure feeling for residents. There may be a central kitchen and living area for shared meals and socialization. There are also small or studio-like

apartment homes, with central dining areas and social rooms. Any outdoor /garden areas will most likely be enclosed to help ensure safety and security. Residents may be physically independent, but require greater mental and emotional support.

Call 509-443-8500


Saturday, March 28th Choose a tour time : 10am or 1pmRSVP: (509) 482-8139

Refreshments provided.Enter to win $100 Fred Meyer gift card.

207 E. Upriver Drive | www.RiverviewRetirement.org

Join Us!

Visit our woodshop!

Explore our fitness center.Explore our fitness center.ExExExExxpllplplp oororororreeeeee oououououur r rrrr ffififitntntnnesesesessssss ccceceeentntntn errrererer..EExExplplploororeee ououour rr fifitntnnesesessss ceceentntn rerer..Explore our fitness center.

http://www.RiverviewRetirement.org

Senior care, march 25, 2015

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