2022-2023 Senior Housing Options

2022/2023 SeniorHousing Options Counties Served: Milwaukee Ozaukee Washington Waukesha Comprehensive Information On: • Helpful Information Senior Move Managers Care Coordination Home Care

Compliments of:

Medical Equipment Providers • Retirement Communities • Community Based Residential Facilities (Assisted Living) • Residential Care Apartment Complexes (Assisted Living) • Independent Senior Living • Subsidized Housing

Visit us online: www.seniorresourcesonline.com Senior Resources, Inc. • P.O. Box 285 Germantown, WI 53022-0285

Put more life into your Li s le! • Warm-Water Pools at our premier properties* • On-Site Restaurant Style Dining • Fitness Centers with on-site Therapy Services • Outdoor Grills and Firepits • Housekeeping Services • Entertainment Theaters at our premier properties* • Transportation provided for scheduled events & activities • Spacious Floor Plans We can help you with the Next Step! • Independent • Assisted Living • Memory Care • Pendant Program: Safety, Security & Peace of Mind

Heritage Elm Grove 800 Wall Street Elm Grove, WI 53122 Heritage West Allis 7901 West National Ave. West Allis, WI 53214 Heritage Monona 111 Owen Road Monona, WI 53716

Heritage Middleton 6234 Maywood Ave. Middleton, WI 53562 Lincoln Village 1330 West Lincoln Ave. Port Washington, WI 53074 Aspire Kimberly* 825 Cobblestone Lane Kimberly, WI 54136

Heritage Muskego* S64 W13780 Janesville Rd. Muskego, WI 53150 Heritage Deer Creek 3585 147th Street New Berlin, WI 53151 Lexington Heritage 5020 South 107th Street *UHHQ¿HOG :,

Heritage Lake Country* 2975 Village Square Drive Hartland, WI 53029 Heritage Court N48W14250 W. Hampton Ave. Menomonee Falls, WI 53051 Heritage Court 3515 East Hamilton Ave. Eau Claire, WI 54701

Heritage Waukesha 1831 Meadow Lane Pewaukee, WI 53072 Heritage Oakwood Hills 3606 Damon St. Eau Claire, WI 54701

Aspire Oshkosh* 150 Aspire Lane, Oshkosh, WI 54902

heritagesenior.com

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t aBle oF C ontents

S E N I O R

s enioR H ousing o ptions o veRview pg 68 R etiRement C ommunities pg 70 •Continuing Care Retirement Communities Description . . . .72 •Milwaukee County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .74 •Ozaukee County. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .80 •Washington County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90 •Waukesha County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .91 C ommunity B ased R esidential F aCilities (a ssisted l iving ) pg 96 •Have We Reached The Peak? What Goes Up Must . . . . . . .3 •Introduction and Overview / Additional Copies . . . . . . . . . . . .4 •Informational Phone Numbers / Map of Greater Milwaukee . .6 •What is the Iris Program? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 •What is an ADRC? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 •Family Care & Family Care Partnership . . . . . . . . . . . . . . . .10 •What is a Dual-Eligible Special Needs Plan? . . . . . . . . . . . .12 •On-site Medical Care - The Doctor Is In . . . . . . . . . . . . . . . .14 •How To Pay For Long Term Care . . . . . . . . . . . . . . . . . . . . .16 •Wills, Trusts and Diminished Financial Capacity . . . . . . . . .18 •What Are Your Options For Selling a Home? . . . . . . . . . . . .20 •The Keys to a Successful Move . . . . . . . . . . . . . . . . . . . . . .22 •Senior Move Managers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 •Professional Care Managers . . . . . . . . . . . . . . . . . . . . . . .26 •Home Medical Equipment . . . . . . . . . . . . . . . . . . . . . . . . .30 •Home Health Agencies . . . . . . . . . . . . . . . . . . . . . . . . . . . .34 •Home Care / Non-Medical . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .44 •Milwaukee County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .100 •Ozaukee County. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .119 •Washington County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .121 •Waukesha County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .123 R esidential C aRe a paRtment C omplexes (a ssisted l iving ) pg 132 •Milwaukee County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .135 •Ozaukee County. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .143 •Washington County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .145 •Waukesha County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .147 s taying in y ouR H ome /H elpFul i nFoRmation

R E S O U R C E S

GARY KNIPPEN President info@seniorresources online.com

JOE LAUERMAN Production Coordinator jlauerman@wi.rr.com

Senior Resources, Inc. P.O. Box 285 Germantown, WI 53022 tel: (262)-253-0901 fax: (262)-253-0903 info@seniorresources online.com

SCAN TO VISIT

OUR WEBSITE!

Note: Every effort was made to verify the accuracy of the information contained in this directory. This infor mation is provided with the understanding that the con sumer will contact providers to obtain infor mation themselves prior to making a final decision regarding services. Advertisements do not con All rights reserved. The con tents of this publication may not be reproduced without written consent of the publisher. stitute endorsement by Senior Resources, Inc.

i ndependent s enioR H ousing pg 156

•Milwaukee County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .158 •Ozaukee County. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .170 •Washington County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .172 •Waukesha County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .174

s uBsidized H ousing pg 184

•Milwaukee County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .186 •Ozaukee County. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .199 •Washington County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .200 •Waukesha County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .200

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ing and then buying, trying to time the sale doesn’t really make sense, because if your home drops in value, so will the one you want to purchase. But, if you are planning on selling and then mov ing to an apartment or senior commu nity, selling at the highest price possi ble is an advantage as this money is critical so that you don’t outlive your funds. I believe the peak prices are here, now. I also am quite sure that when news comes out that prices are beginning to level out or even fall, many boomers will put their home on the market at the same time. This increase in inventory will further exacer bate the downward pricing of single H AvE W E R EAcHEd THE P EAK ? W HAT G OES U P M UST ….

family homes and condominiums. Senior apartments will then begin to fill up to the point where many communities that offer availability now will begin to reach the point waiting lists. You want to move to a senior community when you have the choices of view and location and not wait until you no longer have the luxury of choosing the location and view you want ed. When communities begin to fill up, apartment prices will then rise. Remember also that the money you receive from the sale of your home is mostly tax exempt from capital gains (sin gle persons are exempt from $250,000 in gain and up to $500,000 in gain for a couple). That makes the sale of your home even more important because what you will net will be tax free for most of you. Bruce Nemovitz is a Senior Real Estate Specialist and author of two books dealing with moving from one’s long-time home. He and his wife Jeanne have helped over 3000 seniors and their families for over 35 years in the 4-county Milwaukee Metro area.

nyone owning a home today is thrilled to see the incredible appreciation over the last 5 years. Just this year we have seen a 19% increase in home values! But as we all know too well, what goes up must come down. Not too long ago, inter est rates were at all-time lows at 2.8% for a 30-year fixed rate. We are now approach ing 6% for that same 30 year mortgage and that rate will continue to rise. Imagine you are trying to buy your first home and not only rates have gone up, but home prices have skyrocketed. There is a break ing point where young buyers will back away from submitting an offer and wait for homes to become more affordable for their budget. Homes are still selling in a relatively short period of time which is about 7-14 days. We are still seeing multiple offers and over-asking offers, but they are begin ning to diminish. In real time, we are noticing a change. Buyers are pulling back a bit as to what they offer as well as waiting longer to sub mit their offers. If you are thinking of sell

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A N I NTROdUcTION ANd O vERvIEW Of THE d IREcTORY your current living arrange ment. There are a number of programs and services that are specifically designed to help older adults remain in their current living arrange ment. In this section we also offer helpful information on topics to consider when con templating a move. The second section of this directory looks at the various types of housing options available to older adults. This

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section looks strictly at those facilities that are designed for older adults. Each section begins with a narrative describ ing the type of housing option in that section, followed by a comprehensive listing of those options available in the four county area. Milwaukee county listings show the area of Milwaukee a facility is located in. Refer to the map on page 6 for a geographic breakdown of Milwaukee county. We hope this information is helpful to you. This directory will be updated and published annually. We would appreciate any comments or suggestions regarding this directory. Please call 262-253-0901. areas where we do not print a directory, please check out our comprehensive website of Services for Older Adults in the state of Wisconsin at www.seniorresourcesonline.com. senior Resources, inc. PO Box 285 Germantown, WI 53022 262-253-0901 info@seniorresourcesonline.com

elcome to the twenty first

edition of Senior Resources’ Senior Housing Options . This directory was developed to assist older adults and their fam ilies locate appropriate housing options for older adults in Milwaukee, Ozaukee, Washington, and Waukesha counties. As our population ages, the number and types of housing options available to older adults continues to increase. This directory was designed to make locating appropriate housing options a little bit easier. This directory is divided into two main sections. The first sec tion deals with remaining in professionals – Senior Resources’ directories are provided free to profession als. These directories can be given out to older adults and family members to assist them in locating appropriate services. If you are a professional working with older adults and need additional copies, please call or e-mail us and we will be happy to get you additional copies.

N EEd A ddITIONAL c OPIES ?

individuals –We do provide these directories to profes sionals to give out to the community. If you can’t find a copy or want a copy of any of our other directo ries, please call or e-mail us. We do ask for a $3 donation if possible to help cover our shipping costs.

If you are looking for Wisconsin based services in

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A TTORNEY J OANNE L EIFHEIT • Medicaid Analysis and Veterans Benefits • Special Needs Trusts and Asset Protection

• Powers of Attorney • Disability Planning • Probate

• Estate Planning • Elder Law Issues • Wills & Trusts • Guardianships

(262) 347-2820

N27 W23953 Paul Road, Suite 107 Pewaukee, WI 53072 Located one mile north of the Machine Shed Restaurant Check our website for upcoming dates to our complimentary monthly educational estate planning & Medicaid workshop! www.LawOfficeofJL.com

Wisconsin Assisted Living Association’s mission is to support providers in enhancing the best quality of life for residents in assisted living in Wisconsin through

advocacy, education, communication, and quality initiatives.

EWALA.ORG (608) 204-7446

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aging and disability Resource Centers

414-289-6995 262-238-8120 262-335-4497 262-548-7848

milwaukee

ozaukee

I NfORMATIONAL P HONE N UMBERS

washington waukesha

Aging and disability Resource centers are located in all coun ties. These offices provide information and services to the elderly. These offices are excel lent sources of information for the elderly.

title 19 Title 19, or medical assistance, is available to persons who are eligible for Supplemental Security Income (SSI) and to people age 65 or older who are medically needy individuals, who are below established poverty levels after deducting medical expenses. Wisconsin automatically places an individ ual on Title 19 if they receive SSI.

vices purchased for the indi vidual in the community.

414-289-6874 262-284-8120 262-335-4497 262-548-7848

milwaukee

ozaukee

washington waukesha

414-289-6874 262-284-8120 262-335-4497 262-548-7848

milwaukee

ozaukee

washington waukesha

alzheimer’s assistance Alzheimer's Association 800-272-3900 Alzheimer’s disease and Related dementias 800-438-4380 Benefit specialist Benefit Specialists assist older persons with their private and governmental benefits, such as private insurance or Medicare. Specialists are employed by each county aging unit to pro vide accurate and current infor mation regarding available ben efits.

nutrition Each county offers nutritional information and meal sites for seniors. Information is provided regarding nutritional programs available in local communities.

888-947-6583 888-446-1239 888-446-1239 888-446-1239

milwaukee

ozaukee

washington waukesha

844-614-5468 262-284-8120 262-335-4497 262-548-7848

milwaukee

ozaukee

washington waukesha

Family Care program family care is a program which assists persons in need of nurs ing home care but prefer the option of community based care. The programs include, case planning and assessment, and the administering of ser

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where can i learn more about iRis and how do i enroll?

RIS (Include, Respect, I Self-direct) is Wisconsin’s self directed long-term care pro gram for older adults and peo ple with disabilities who are eligible for Medicaid. IRIS is designed to help you live your life with the support you need. You have many choices when you join IRIS. Once a budget is established for you based on your long-term care needs and goals, you will choose: • What goods, supports and services you need. • When and where you want your supports pro vided. • Who will provide them. All IRIS participants have a support and service plan. IRIS has a broad set of ser vices available for you to maintain or improve your quality of life. You’re responsible for man aging your IRIS budget, act ing as an employer to work ers you choose to hire and following IRIS program rules. However, joining IRIS doesn’t mean doing things all by yourself. You will have others to help you along the way. Every IRIS participant support from others How it works

W HAT IS THE IRIS P ROGRAM ?

If you want to enroll in IRIS, you will need to contact your local Aging and disability Resource center (AdRc). AdRc repre sentatives offer free, unbiased information about long-term care options and resources in Wisconsin for older adults, peo ple with disabilities, and their families. To locate the AdRc in your county, visit: www.dhs.wiscon sin.gov/adrc Source: WI department of Health Services website and IRIS Participant Handbook

has an IRIS consultant Agency (IcA) and fiscal Employer Agent (fEA) to help support them in self direction and handling the requirements of the IRIS pro gram. Your IRIS consultant will work with you one-on one, get to know you and learn what is important to you.

For some, self-direction is a new idea. At TMG, Wisconsin’s 1 st IRIS Consultant Agency, it’s all we do.

tmgwisconsin.com (844) 864-8987

Local. Experienced. Resourceful.

Ask your Aging and Disability Resource Center about your long-term care options.

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disability, low income housing, etc.

he place for information

WHAT IS AN AdRc?

and assistance! Aging and disability Resource centers (AdRcs) are the first place to go to get accurate, unbi ased information on all aspects of life related to aging or living with a disability. AdRcs are friendly, welcoming places where anyone - individuals, concerned families or friends, or professionals working with issues related to aging or dis abilities - can go for information tailored to their situation. The AdRc provides information on broad range of programs and ser vices, helps people understand the various long term care options available to them, helps people apply for programs and benefits, and serves as the access point for publicly-funded long term care. These services can be provided at the AdRc, via telephone, or through a home visit, whichever is more convenient to the individ ual seeking help. AdRcs are available in all Wisconsin counties. To find an AdRc go to http://www.dhs.wisconsin.gov /LTcare/adrc/index.htm information and assistance: • Information about local ser vices and resource • Assistance in finding ser vices to match your needs o Housekeeping and chore services o Health (healthy lifestyles, manage seRviCes pRovided By tHe adRC

access to Funding for long term Care: • The AdRc can determine if you will be eligible for public funding for your long term care. • The AdRc can explain the program choices you have that will provide your long term care. These programs include family care, IRIS and in some areas Partnership and PAcE. Health and wellness: • AdRc can connect you to wellness programs to help keep you healthy and inde pendent, such as Stepping On falls prevention, Living with chronic conditions and others.

o Assisted Living,

nursing homes and other long term care facilities o financial assistance linkages o Legal issues (guardianship, power of attorney, client rights advoca cy) o Abuse, neglect and financial exploita tion o Adaptive equipment choices you have when making decisions about where to live, what kind of help you need, where to receive that care and help, and how to pay for it. • One-on-one consultation to help you think through the pros and cons of the various options in light of your situation, values, resources and prefer ences. vide information and advocacy about govern ment and other benefits that you may be entitled to receive, such as Medicare, Medicaid, Social Security, • Benefit specialists pro

long term Care options Counseling: • Information about the

A TTORNEY J OANNE L EIFHEIT • Medicaid Analysis and Veterans Benefits • Special Needs Trusts and Asset Protection

• Estate Planning • Elder Law Issues • Wills & Trusts • Guardianships

• Powers of Attorney • Disability Planning • Probate

(262) 347-2820

Benefit Counseling:

ment of chronic condi tions, dementia, etc) o Transportation o Nutrition, home deliv ered meals o Housing, including senior and low income housing

N27 W23953 Paul Road, Suite 107 Pewaukee, WI 53072 Located one mile north of the Machine Shed Restaurant Check our website for upcoming dates to our complimentary monthly educational estate planning & Medicaid workshop! www.LawOfficeofJL.com

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For information on Senior Services in Wisconsin, visit our website www.seniorresourcesonline.com

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f AMILY c ARE ANd f AMILY c ARE P ARTNERSHIP support without pay. Natural Supports are the best way to reach your personal goals because they are relation ships built on trust, kindness and caring – that results in better quality care for you. Once your Natural Supports are in place, other services can be added if they support your personal goals. Family Care partnership Members of family care Partnership benefit from the same long-term care as family care, while also receiving all-inclusive health care from a network of physicians. Linking these services together makes family care Partnership both convenient and effec tive. Your care Team is not only involved in helping you meet your long-term care needs, but your health care needs as well. That makes your care Plan even more comprehensive.

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•Meet financial and func tionality requirements •Be eligible for Medicaid

amily care and family care Partnership are two pro grams that provide seniors and adults with disabilities with the long-term care supports they need to live independent ly. family care helps individu als like you live in your own home and in your community. family care Partnership does that too, while also providing and coordinating all-inclusive health care for members. Family Care family care provides long term care supports to meet your specific needs as deter mined by you and your care Team. Once enrolled, you’re assigned a dedicated care Team, including a registered nurse and care manager, who will work with you and your family to make sure you receive the care and support you need to reach your person al goals. The result is a care Plan, personalized to you, that is reviewed regularly by you and your care Team, and is adjusted as your needs change. care Plans begin with Natural Supports. Natural Supports are the people who are a part of your life and provide help and Here’s a quick description of each program.

To be eligible for family care Partnership, you must meet all of the family care require ments listed above, plus: •If you are eligible for Medicare, you must enroll in, and remain enrolled in, all parts of Medicare for which you are eligible (Part A, Part B, and/or Part d) Enrollment into the family care program is conducted through your county’s Aging and disability Resource center (AdRc). for more information about eligibility or to enroll, call your local AdRc below: milwaukee County aRC 414-289-6874 milwaukee County dRC 414-289-6660 ozaukee County adRC 262-238-8120 washington County adRC 262-335-4497 waukesha County adRC 262-548-7848

To be eligible for family care, you must:

•Be at least 18 years old •Live in a county where family care is offered

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For information on Senior Services in Wisconsin, visit our website www.seniorresourcesonline.com

My Choice Wisconsin provides government-funded programs to frail seniors, adults with disabilities, individuals, and families. We care for the whole person and well-being of all by o ering services that promote independence, value diversity, and inspire self-advocacy.

800-963-0035 TTY: 711 www.mychoicewi.org/sr

DHS Approved 10/15/2020

For information on long term care options, call your local Aging and Disability Resource Center.

Senior Resources, Inc. specializes in providing comprehensive information on service providers for older adults in the state of Wisconsin.

If you are a consumer or would like to reach a consumer, we have many options available via our catalogs and the world wide web.

Online: www.seniorresourcesonline.com • Email: info@seniorresourcesonline.com Mail: P.O. Box 285, Germantown, WI 53022 • Tel: 262-253-0901 • Fax: 262-253-0903

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W HAT IS A d UAL -E LIGIBLE S PEcIAL N EEdS P LAN ? Members of this type of plan have the same benefits pro vided directly through Medicare (hospital and physician coverage) but might also get additional benefits not typically cov ered by Original Medicare. These benefits are usually designed for someone with a limited income in mind. Added benefits often include coverage for over-the counter and personal care items like vitamins, cold remedies, pain relievers, toothpaste, skin lotion, incontinence supplies, first aid supplies and many other products. There are often benefits for dental coverage (crowns, cleanings, x-rays, fillings, extractions and den tures), eyeglasses or contacts, meals after a hospitalization, home and bath safety items and modifications, as well as emergency response buttons. Also, dual-eligible individu als often do not have month ly premiums to participate in these types of plans. dSNPs include prescription drug

or people who have both Medicare and Medicaid, there is a special type of Medicare Advantage plan made just for them – it’s called a dual-Eligible Special Needs Plan, or dSNP. In 2020, more than 2.6 million people were enrolled in a dSNP (cMS, 2020). This type of plan is not new - in fact, dSNPs have been available since 2006. So, what exactly is a dSNP and what makes it attractive? dual-eligible Special Needs Plans are available to people who qualify for Medicaid and Medicare (Parts A and B). People with both these benefits are considered “dual-eligible.” They must also live in a plan’s service area. The benefits provided by Medicare and Medicaid are important to those who receive them. However, understand ing which program covers what services at what time or for how long can be complicat ed! Add to that, dual-eligible individuals often have a sepa rate prescription drug plan. With a dSNP plan, all the ben efit providers are wrapped up into one neat package. The advantage of a dSNP is that individuals can gain access to more benefits; often with little to no monthly cost.

coverage (Medicare Part d), allowing the member to receive all Medicare benefits through one plan. A dSNP includes some level of care coordination. The plan’s coordinator may help a mem ber access their providers, schedule appointments, answer questions about bills, and provide reminders about prevention services such as flu shots. The goal of care coordi nation is to help members maintain their health by hav ing routine health visits and make sure they are using their benefits to their greatest advantage. Those who qualify for a dual Eligible Special Needs plan may not need to wait until the annual enrollment period to join. If you are new to Medicare or Medicaid, you may enroll any time of the year. You can learn if you are eligible for a dSNP by contact ing My choice Wisconsin at 800-963-0035 or www.mychoicewi.org. You may also contact a State Health Insurance Assistance Program (SHIP) advisor or check the Medicare.gov Plan finder for plans in your area.

Citation: 2020 CMS enrollment data

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my choice Medicare Dual Advantage

My Choice Wisconsin Medicare Dual Advantage (HMO) is a Medicare Advantage insurance plan for people with both Medicare and Medicaid. This plan includes benefits for total wellness like a $100 monthly allowance towards OTC products and a dental benefit that expands your access to care providers. To learn more, call a Medicare Advisor at…

800-963-0035 TTY: 711 www.mychoicewi.org/sr-ne We cover: $0 premium | $0 deductible Part A: Hospital Visits & Expenses Part B: Doctor Visits & Tests Part D: Prescription Drugs

Extra benefits that save you money:

Vision Coverage

After Hospitalization/ Nursing Facility Stay Meals

Over-the-Counter (OTC) Catalog

Dental Coverage

xxxxxxxxxxxxxxxxxx

My Choice Wisconsin Health Plan, Inc. complies with applicable Federal Civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800 963-0035 (TTY: 711). LUS CEEV: Yog tias koj hais lus Hmoob, cov kev pab txog lus, muaj kev pab dawb rau koj. Hu rau 1-800-963-0035 (TTY: 711). My Choice Wisconsin Medicare Dual Advantage is an HMO SNP (Special Needs Plan) with a Medicare contract and a contract with the Wisconsin Department of Health Services for the Medicaid Program. Enrollment in My Choice Wisconsin Medicare Dual Advantage depends on contract renewal. This is not a complete description of benefits and services. Visit us online or call 800-963-0035 and ask to speak with a Medicare Advisor for information on our 2022 Summary of Benefits.

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Or scan here...

Visit our newly redesigned website! www.SeniorResourcesonline.com

262-253-0901

info@seniorresourcesonline.com

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O N - SITE M EdIcAL c ARE – T HE d OcTOR IS IN ! side effects and interactions, which may be difficult for the patient to manage alone. On-site primary care allows for a complete review of the patient’s ongoing plan of care thereby reducing risks from medications, and improving understanding of On-site primary care visits from a medical provider help establish a more per sonal doctor-patient relation ship. Seeing patients at their place of residence allows the provider to work with the on-site care team to monitor medications more closely, evaluate living space for possible safety issues, and get a better sense of how the patient is doing in general. care team collaboration with other on-site service partners such as home care and hos pice staff also allows for bet ter communication and effi ciencies in care for these patients. the full picture of the patient’s health status.

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n-site medical care is designed to meet the unique and growing needs of patients living in residential care com munities. Residents of care communities more often than not, have complex chronic conditions, memory issues, and multiple medications requiring close oversight by a physician care team. By using a collabora tive, team-based, on-site, med ical care program, it is possible to reduce the need for emer gency room visits and trips to the hospital which leads to sig nificant improvement in the overall care of the patient and peace of mind for their fami lies. for those with loved ones in residential care communities, it can be a daunting challenge to transport them to a clinic setting for regular office visits. If there are complex care needs, multiple specialty visits can add to this burden. It is not unusual for patients in res idential care communities to experience fragmented care with lack of overall care plan oversight. If multiple doctors are involved trying to manage a variety of chronic issues, this can result in a number of pre scriptions, all with different

Those who reside in residen tial communities deserve com passionate medical care, social and psychological support, and awareness of their wishes. On-site providers have found that getting to know the patient at home, on a regular basis, helps accomplish this goal, and has an enormous positive impact on the well being of the patient.

Article Submitted By: Bluestone Physician Services

HEALTH CARE DIRECTORY

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EXPERT CARE. MORE CONVENIENCE.

Bluestone’s specialized teams provide our unique model of care to patients in senior living communities. Regularly scheduled visits and close collaboration with patients, families and community sta lead to better care for those with chronic conditions. BluestoneMD.com • 262.354.3744

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an insured to undergo under writing to qualify. Any agent you work with should be able to explain the differences or choose another agent. Lastly, one may qualify for gov ernment benefits if a qualifying veteran (or spouse of a veteran) or if he/she meets the income/asset test of family care (assisted living facilities) or Medicaid (skilled nursing facilities). To qualify for family care or Medicaid one generally must have $2,000.00 or less in countable assets and income less than the cost of care. Many facilities do not accept family care or Medicaid. furthermore, many accepting family care require a private pay period prior to allowing one to go on family care. It is very important that any plan implemented, to qualify one for family care or Medicaid, take into considera tion the care plan, all options available to pay for the care and a strategic plan to minimize taxes, legal, administrative expenses, and opportunities to prevent impoverishment in any or all of these goals. The finan cial, tax, legal, and care plans must all work together to maxi mize the results. W. Ryan Zenk, JD, CFP ® Elder Law Center of Wi, LLC 125 N. Executive Dr., Ste 210 Brookfield, WI 53005 262-812-6262 www.eldercarecenterofwisconsin.com

he cost of long term care is

HOW TO PAY fOR LONG TERM cARE

very expensive. It can range from hundreds to tens of thou sands of dollars per month. Many studies indicate the odds of a 65 years old needing long term care, at some point, is over 50%. So how can one pay for it? The answer is there are 3 ways to pay for long term care. first, one can pay with one’s own assets until either broke or deceased. Second, one can use long term care insurance if one was smart enough or fortunate enough to obtain such insur ance while he/she was insur able. Third, one may qualify for governmental assistance through the veteran’s Administration, family care or Medicaid. Let’s look at each option further. Private pay will require assets be liquidated (or already liquid i.e. cash) and a check written to caregivers typically on a month ly basis. The liquidation of assets such as IRAs or appreci ated assets may be a taxable event though typically the tax liability is completely or mostly offset by the medical deduction generated by spending on care costs. Paying privately will reduce and may eliminate any inheritance for family or chari ties. Worse yet, this may cause an individual to go broke while alive or a healthy spouse to become impoverished. Are there ways to prevent spousal impoverishment – Yes with proper planning this can be pre vented.

The second option, long term care insurance, has changed drastically over the past sev eral years. Many carriers no longer offer long term care insurance because the product was underpriced and carriers lost large sums of monies. It is still available from some carriers including newer options. One such option is a type of life insurance policy that pays a benefit if needed for care and pays a death ben efit if never or only partially used for care. One good thing about these policies is the insurance company does not keep the money, either the client receives monies for care expense or it goes to his/her beneficiaries as a death bene fit. These types of policies typically require prepayment of the premium over one to seven years. After this, no additional premiums are ever paid. Other policies (partner ship policies) allow an indi vidual to protect assets equal to the benefit of the policy. for example, a policy with $200,000.00 benefit allows the family to protect $200,000.00 of assets. Still others are the traditional annual pay policies with a set benefit. These are the traditional use it or lose it policies. All of these require

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Virtual Appointments Available

Protecting Your Legacy and Business • Elder Law • Estate Planning • Long-Term Care Planning • Medicaid Eligibility and Planning

• Advanced Directives • Powers of Attorney

• Special Needs Planning (414) 209-5390 www.robbinslawg.com

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W ILLS , T RUSTS ANd d IMINISHEd f INANcIAL c APAcITY

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increase as they age, which puts them in a perilous posi tion. As seniors begin to experience difficulty manag ing their money, they don’t realize they’re making poor choices, which makes them easy targets for financial exploitation, fraud, and abuse. Article Submitted by Nicole Robbins, Managing Partner, Robbins Law Group LLC. For more information on these or other Estate Planning Topics, please call 414-209-5390.

hat’s the difference Between a will and a trust? Both are useful estate plan ning tools that have different purposes, and both can work together to create a complete estate plan. Often only a will is created which is only effective after death and leaves the family in court and conflict. takes effect as soon as it’s signed and your assets are transferred into the name of the trust, known as “fund ing” the trust. To this end, a will directs who will receive your assets upon your death, while a trust specifies how your assets will be distrib uted before your death, at your death, or at a specified time after death. This is what keeps your family out of court in the event of your incapacity or death. furthermore, because a will only goes into effect when you die, it offers no protec tion if you become incapaci tated and are no longer able to make decisions about your financial, legal, and healthcare needs. If you do become incapacitated, your family will have to petition the court to appoint a con servator or guardian to han dle your affairs, which can A will only will go into effect when you die, while a trust

be costly, time-consuming, and stressful.

why is diminished Financial Capacity dangerous?

The National Institute on Aging estimates that near ly half of all Americans will develop some form of dementia, such as Alzheimer’s disease, dur ing their lifetime. And while the cognitive decline brought on by dementia affects a variety of different mental functions, one of the first mental abilities to go is one’s “financial capacity.” financial capacity refers to the ability to manage money and make wise financial decisions. cognitive decline brought on by dementia often develops slowly over many years, so a dimin ished financial capacity fre quently goes unnoticed— often until it’s too late. Moreover, studies have shown that seniors’ confi dence in their money-man agement skills can actually

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Virtual Appointments Available

Protecting Your Legacy and Business • Elder Law • Estate Planning • Long-Term Care Planning • Medicaid Eligibility and Planning

• Advanced Directives • Powers of Attorney

• Special Needs Planning (414) 209-5390 www.robbinslawg.com

Or scan here...

Visit our newly redesigned website! www.SeniorResourcesonline.com

262-253-0901

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W HAT A RE Y OUR O PTIONS FOR S ELLING A H OME ? broad range in terms of quality and integrity among direct homebuyers. When considering who to work with, here are a few worthwhile things to con sider. 1. Are they registered with the Better Business Bureau (BBB)? The BBB does extensive qualifying to ensure every company they work with and promote operates at the highest level of integrity. 2. Are they local? There are many out of state buyers looking to pur chase properties as part of large institu tions and hedge funds. Out of state buyers take away affordable housing options for those living in Southeast Wisconsin. 3. How many houses do

s interest rates continue to rise, this will push down real estate values as buyers don’t get the same ‘bang for their buck’ when they pur chase a new home. As a result, many homeowners have decided now is the time to sell their home due to the shifting real estate market. Although most homes are listed and pur chased using a realtor, some fare better with a direct homebuyer. property in As-Is condition and has great flexibility with closing. for example, some homeowners have accumu lated generations worth of belongings and clearing out all the contents can be very overwhelming. Likewise, there are times the property has significant maintenance or repairs needed. Lastly, some just want the option to pick their exact sale date and, working with a direct homebuyer, they have the option to do this. In these instances, a direct homebuy er can be a great option. A direct homebuyer is some one who will purchase a

to work with someone who knows the ins and outs of doing direct to homebuyer real estate transactions. Ultimately, there are many options when selling your home. Many people consid ering selling will take the time to weigh the pros and cons of listing their home versus selling to a direct homebuyer. Often, when a home has been well main tained and updated over the years, and the sellers have the time and energy to clear out the contents – listing with an agent will produce top dollar. On the other hand, if a seller wants the relief of not handling cleanout and repairs – a direct homebuyer is a good choice. Selling your home is an exciting time as you turn the page and start your next chapter.

Article submitted by Erin M. Maney, 414 Homebuyers, LLC

they typically purchase in a month? You want

Like all industries, there is a

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What Are Customers Saying?

“My mother-in-law need to move into assisted living but we knew her house had foundation issues in the basement. Plus, we couldn’t get a firm move in date from the facility because we were on a waitlist. For those reasons, we called 414 Homebuyers. They were very knowledgeable and patient with us as we had to change the closing date several time. Overall, we had a great experience and have recommended them to others.”

“The team at 414 Homebuyers came out to my folk’s house and gave us an offer on the spot. Two weeks later we closed and got our check. Pretty straightforward process.”

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J We buy throughout Southeastern Wisconsin – to include Milwaukee County, Waukesha County, Ozaukee County, Jefferson County, Kenosha County, Racine County, Walworth County, Washington County, and beyond!

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T HE K EYS TO A S UccESSfUL M OvE where the furniture will be placed, as well as help plan for universal design if needed. Secondly, separate the items for family and friends. This can be a very emotional and difficult step, but can also be very rewarding as you decide which one of your family members or friends would treasure one of these items. Thirdly, separate through items that could possibly have value for an Estate Sale, Consignment or Resale Shop. Fourthly, decide on items that could be donated to a charity of your choice. Some moving companies may provide the service of delivering them to the charity for you. Lastly, make sure that your moving company has the name of a family member or close family friend that is assisting you throughout this entire transition. This person may be needed to be a liaison between the moving company, the facility and the family. They will be happy to coordinate the timelines with them so you have the reassur ance needed that you are making the right decisions. COORDINATION IS KEY: Now that you have a plan of action in place, you then need to coordinate all the dates and deadlines into a master schedule. Some moving companies that specialize in moving seniors even provide you with a Senior Move Manager that will help with all of these details. This type of specialist provides professional help with every aspect of downsizing, organizing, sorting, packing, unpacking and the timelines associated with them. Some companies even offer help with planning Estate Sales and have staff that are professionally trained to know the resale value of your items. Some firms also help clean up your home after you move out . When a company is a member of The National Association of Senior Move Managers,

this is a sign of their dedication and commitment to coordinating all aspects of senior moving. TURNKEY MOVING: Choose a mov ing company that is sensitive to your needs and allows you to customize their services to meet those needs. If per haps you do not have immediate family or friends to assist you, most senior moving companies provide a turnkey moving experience, which can be reas suring to out of town family members. Once your action plan is in place, your senior move manager will be able to make everything happen for you in a timely fashion. A company that special izes in Senior Moving and Transportation can help you make all the right decisions on how to downsize, making your transition into a retirement community a huge success. KEYS OF HAPPINESS: You will now have the time to enjoy all the amenities that your senior living community has to offer. Congratulate yourself for taking the time to properly plan and execute a plan that will make your retirement years an enjoyable experience. Downsizing has removed some of the clutter in your life, and gives you more time to enjoy day trips and outings with other friends in your new community. Don’t forget to pack your gifts of time and talents to bring along to the com munity. You are now are walking up to the front door of your new home, turn the key and find a new life waiting for you! The focus of Universal Services is to provide you with a turnkey moving experience. Our mission is patterned after the Golden Rule. “We treat every senior that we work with as if they were our relative, and value their per sonal property as if it was our own.” Simply put, “We’re in the Helping Business!” Providing service since 1996! ©Article Submitted by Migdalia Zanon Universal Services –Senior Moving Specialist

hroughout life, most of us have accumulated a huge ring of keys that have opened the doors of everything we have owned or cherished in life. If you are like most people, perhaps we don’t even remember what all those keys open up anymore. The thought of moving into a Senior Living Community might present to you the perfect key for retirement living, but the process of moving is still a huge undertaking. As a member of the National Association of Senior Move Managers, we understand the emotional and physical considera tions that seniors face when planning to move into a Senior Living Community. Members of this association provide seniors with a specialized service to that can be tailored to fits their needs. As you consider all of the options and amenities that Senior Living Communities have to offer, remember to take the time to also explore the process of downsizing and moving itself. A company specializing in Senior Moving can help you develop an overall timeline that will pinpoint some key dates that will help the moving process go very smoothly. You start this process with a “Downsizing and Moving Consultation”. Some companies may charge for this service, so ask before you invite them out to your home. This survey will generally last about an hour and should help you formulate a plan that will help you with your downsizing and moving needs. Working with a company that specializes in senior moving and trans portation will help build a trusting rela tionship that will ensure a successful move. THE KEY TO PROPER PLANNING: Planning is the key to a successful move. The Move- In Coordinator at the Community Living Center will provide you with a floor plan to assist your mov ing company with the space planning for your furniture. A company specializing in Senior Moving will then assign a Senior Move Manager to help guide you through all the key elements of downsiz ing, organizing, packing and space plan ning. The furniture space plan will help give you a visual perspective of

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