: About assisted living

Date: 6th December, 2010 from Clearwater Resort Hotel Clark Pampanga, highly recommended beach resort for family and company outings, parties and events

LENGTH-OF-STAY:
A 1999 survey done by the National Council For Assisted Living e stimates the average length of stay in an assisted living facility ranges from approximately 2.5 to 3 years.Residents who leave typically do so because they need to move to a nursing home for more care or because of death. A 2000 study found that, among those who moved to another setting, the need for more care was the most commonly cited reason for leaving

COST:

In most cases residents pay a regular monthly rent to include meals and housekeeping and the care services are added as extra cost as needed. In smaller facilities the entire cost includes room and board as well as care services. Some facilities provide levels of care based on need and charges are uniform for each level. For instance a level or grade 1 care might cost an additional $400.00 a month. A second level or grade 2 might cost $800.00 a month and so on.
A rule of thumb estimate is that assisted living costs about 60% of the cost of a nursing home. In many areas of the country this might price assisted living at about $2,400.00 a month. It should be noted that this would typically be the charge for newer apartment style complexes. So-called Board-and-Care homes which are typically individual residences converted to accommodate a small number of residents are going to be considerably less in cost. For example a board and care where two people are sharing the same room might cost about $1,000.00 a month.
There are also assisted living facilities that cater to people with money. These facilities would be more like living in a high-rise condominium but having in addition long-term care, housekeeping, meals, planned activities and transportation included in the package. Obviously facilities like this are going to cost a great deal of money.
A common and growing trend is for care providers to integrate care systems in one complex or in close proximity to each other. For example, a nursing home may have an assisted living wing along with an adult day center and an in house home health agency. These could be in the same building or in buildings on a common campus.
There are at least three advantages to this arrangement. One is, as the need for care progresses the care facility can retain a paying client by providing higher levels of care and not losing the client to a competitor. A second reason is that residents who have formed friendships or who have a spouse in one area of the care facility can maintain those relationships by moving to another area that is virtually in the same place. A third reason is that the care facility may have been chosen due to its proximity to the family. Keeping their loved one in the same place as the need for care escalates can be very valuable to the family.

WHO PAYS?

In 2002, Medicaid helped pay for services for approximately 11% of assisted living residents in 41 states. It should be noted that Medicaid typically only pays for care costs in assisted living and does not pay for room and board. Also a person receiving Medicaid can have no assets exceeding $2,000.00. As a percentage of the cost of total assisted living care the Medicaid portion would be considerably less than 11%. Based on care costs alone Medicaid might only pay about 5% of the total cost of assisted living.

Medicare does not pay for assisted living. About 75% of all costs are paid by residents out of personal funds or family assistance. SSI (supplemental security income) pays for 14% and 2% is covered by long-term care insurance. It should also be noted that the majority of SSI payments for assisted living are for specialized units for mentally retarded and developmentally disabled individuals. These units are maintained and staffed on behalf of state welfare programs. These would not be your typical apartment style assisted living complexes. This means that for the general public–excluding those on SSI welfare payments–more than 90% of the cost of assisted living is paid by individuals or families out of pocket.

Because the government participates little in the cost of assisted living for the non – SSI public, individuals anticipating a future need for assisted living would do well to consider the purchase of long-term care insurance. All modern comprehensive policies cover assisted living. You must, however, qualify for benefits under the policy. Some in assisted living may not need long-term care and until the need for care comes about the policy would not pay.

Insurance is certainly more cost-effective than paying out-of-pocket and may make assisted living a possible living arrangement where otherwise it would not have worked. Depending on your age, 20 years worth of premiums, as an example, might only cost 3% to 8% of the actual amount the insurance policy would pay for a 3 year stay. That’s a lot cheaper than paying 100% out-of-pocket.
Buying and paying for a policy before retirement might mean that assisted living would be an alternative with a retirement income that otherwise could not afford assisted living. For example, one could leverage a $3,000.00 per month assisted living cost with a $100.00 a month long term care insurance premium.

n ALF staff worker can tell you whether or not you or a loved one will qualify for assisted living. But you may be forced to choose a nursing home instead because the level of care that an ALF can offer is dictated by the licensing provisions of that particular facility. In the event that you are turned down for care by one ALF, it is very important to get evaluations from other facilities. Many ALFs have found ways to stretch eligibility and you shouldn’t give up after one try.

Source: http://www.longtermcarelink.net/eldercare/assisted_living.htm

Clark Wine Center is more than a wine shop to people living in Pampanga Angeles City Clark Freeport Zone. Clark’s wine shop is also a popular venue for parties and family gatherings. Conveniently located on the main highway of Clark Philippines, it is accessible to guests from Manila, Subic, Pampanga, Angeles City and of course those who live and work in Clark. Aside from the 2-storey wine shop which also has a nice roof deck lawn for small party of up to 80 people as well as an indoor wine tasting room which accommodates up to 60 comfortably, this wine store called Clark Wine Center also has one hectare of picnic grounds surrounding it.

Best birthday gift to send to someone living in the Philippines is a nice bottle of wine from Yats Wine Cellars. Delivery of birthday wine can made to Manila, Angeles City Pampanga, Clark Philippines and Subic.

Wine Shop Manila offers best luxurious beers in Philippines called Vintage Beer.
Birthday gift of wine is the most popular gift idea this year in Philippines. Yats Wine Cellars offers birthday wine gifts that are unique and certain to make the recipient very happy. These birthday wines are not available in wine shops so it is a unique bottle of wine for the recipient.

This Manila Wine Shop is the largest wine shop in Philippines. This is the wine shop to go for fine vintage wines, not just the big names like Lafite, Latour, Petrus, Cristal, Krug, Grange, Vega Sicilia and Sassicaia. This wine shop in Manila offers many excellent vintage wine for under p4,000, even for some that are 20-30 year old from St. Emilion and Pomerol.

Best place to buy wine in Clark Pampanga outside Manila near Subic and Angeles City Philippines is Clark Wine Center. Visitors buy wine in Manila and Pampanga should not miss stopping at this wine shop for a few bottles of fine vintage wines to bring home.

http://www.ClarkWineCenter.com

Getting to this wine shop in Pampanga Angeles City Clark Freeport Zone Philippines from Manila
Getting to the Clark Wine Center wine shop from Manila is quite simple: after entering Clark Freeport from Dau and Angeles City, proceed straight along the main highway M A Roxas. Clark Wine Center is the stand-along white building on the right, at the corner A Bonifacio Ave. From the Clark International Airport DMIA, ask the taxi to drive towards the entrance of Clark going to Angeles City. From Mimosa, just proceed towards the exit of Clark and this wine shop is on the opposite side of the main road M A Roxas.

Best place to buy wine in Clark Pampanga outside Manila near Subic and Angeles City Philippines is Clark Wine Center.

Clark Wine Center
Bldg 6460 Clark Observatory Building
Manuel A. Roxas Highway corner A Bonifacio Ave,
Angeles Clark Freeport Zone, Pampanga 2023
0922-870-5173 0917-826-8790 (ask for Ana Fe)

Wine@Yats-International.com

YATS Wine Cellars
Manila Sales Office
3003C East Tower, Phil Stock Exchange Center,
Exchange Rd Ortigas Metro Manila, Philippines 1605
(632) 637-5019 0917-520-4393 ask for Rea or Chay