Regular Post
Written by Brian B

Does Medicare Pay For Assisted Living?

Does Medicare Pay For Assisted Living

Let’s take a look at Medicare, Medicaid, and other financing options for anyone looking to reside in assisted living facilities.

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Assisted Living Coverage Options

As you or your loved one chooses which assisted living facility to reside in, the cost is undoubtedly a large factor that must be considered. Assisted living prices will depend on location, floorplan, services, amenities, and accommodations. As you select the care type you’d prefer, you will need to know how the expenses are covered and if Medicare will help with any of the costs.

Medicare Coverage For Assisted Living

Oftentimes, Medicare will not extend coverage in order to handle long-term or assisted living care. However, there are situations where Medicare will cover qualified healthcare costs at certain facilities. Medicare is typically used to cover the costs of home health care provided by skilled nursing facilities.

Medicaid Coverage For Assisted Living

In Arizona, the Arizona Long Term Care System (ALTCS) will pay for care-related services for residents of the state living in these facilities. However, the System will not pay for room and board. Assisted living residents will pay different costs for basic living depending on their location and coverage.

Other Assisted Living Funding Options

Paying for assisted living costs may seem overwhelming for a lot of people. Most seniors turn to assisted living once they start to need help. It can be difficult to acquire a new health insurance policy at this point to help in covering these costs. However, when possible, it’s a good idea to always purchase health insurance policies that offer coverage for assisted living care and long-term care. A lot of insurance policies do provide this coverage, and this usually is the least expensive option.

It is very common for individuals to pay a little of the cost of assisted living care out of their pocket. While some pay all of the cost out of pocket. This can come from investments, retirement accounts, savings accounts, or other sources of income.

Under some circumstances, the Veteran’s Aid and Attendance Pension may be a source of help for paying for assisted living care. Those who qualify are required to have under $80,000 in assets. This program can pay out a considerable sum per month to assist in covering these costs. Veterans programs – both state and federal level programs – aside from this may also be of assistance.

Retirement Community In Surprise, AZ

Chaparral Winds is a beautiful assisted living community near Sun City, AZ. Being able to socialize with other residents becomes an integral part of many peoples’ lives and Chaparral Winds Assisted Living offers common indoor space to support that need. If a resident requires assistance moving from a bed to a wheelchair or vice versa, this facility has staff who can help.

Address: 16623 N W Point Pkwy, Surprise, AZ 85374

Phone: (623) 975-0880

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Regular Post
Written by Brian B

How To Increase Appetite In Elderly

How To Increase Appetite In Elderly

As people age, their appetite tends to decrease. Use our suggestions below to stimulate an elderly person’s appetite.

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Why Do Elderly Citizens Lose Their Appetite?

A slower metabolism overall is one of the most common causes of a loss of appetite in seniors. Older people will become less active as they age, meaning their body will need less fuel to create energy. As the metabolism slows, they will start to eat less.

In other cases, it could be a psychological reason that decreases one’s appetite. Eating alone can sometimes amplify the feeling of loneliness or confusion.

Here are some common reasons why elderly appetites can decrease:

  • Slower metabolism.
  • Lack of routine.
  • Taste bud changes.
  • Dental problems.
  • Medication side effects.
  • Depression.
  • Dementia.

How To Increase Appetite For The Elderly

There are a few different ways to stimulate a senior’s appetite without making any abrupt changes to their daily lives. Try to use these strategies below.

1. Socialize During Meals

Eating meals with new or old friends can stimulate conversation, leading to eating more as individuals get caught up in the moment. Some seniors may respond well to nice settings with soft music when it comes to meal time. It’s no secret that eating most meals alone can be somewhat depressing.

2. Smaller Portions

Seniors can sometimes feel overwhelmed if they are served large portions. They may feel wasteful if they are given large portions and can’t finish the meal. Try serving the senior in your life smaller portions over the course of 5 daily meals instead of 3.

3. Create Routines

Creating a daily routine where snacks and meals are always eaten around the same time helps the body get ready for consumption. As we age, we lose the ability to determine when we are actually hungry.

4. Healthy Snacks

Snacking between meals is a healthy way to stimulate appetite and increase metabolism, as well. Snacks like avocados, mixed nuts, and hard boiled eggs can be consumed between meals.

5. More Exercise

Appetite is closely tied to age and exercise. There are some exercises that can help stimulate an appetite. Strenuous, fast-paced workouts can decrease an appetite. It’s suggested to walk daily in order to increase one’s appetite.

Conclusion

If these tips don’t help stimulate the appetite, it’s suggested to talk to a doctor to make other adjustments. While poor appetite doesn’t always mean there’s a problem, there can be significant effects of poor nutrition. Keep an eye on your loved one’s exercise and eating habits. Help to create the healthiest environment possible for them.

Retirement Community In Surprise, AZ

Chaparral Winds is a beautiful assisted living community near Sun City, AZ. Being able to socialize with other residents becomes an integral part of many peoples’ lives and Chaparral Winds Assisted Living offers common indoor space to support that need. If a resident requires assistance moving from a bed to a wheelchair or vice versa, this facility has staff who can help.

Address: 16623 N W Point Pkwy, Surprise, AZ 85374

Phone: (623) 975-0880

623-343-4125
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Regular Post
Written by Brian B

What Are The 7 Stages Of Frontotemporal Dementia

What Are The 7 Stages Of Frontotemporal Dementia

Frontotemporal disorders (FTD), which can also be referred to as frontotemporal dementia, result from damage to neurons found in the frontal and temporal lobes of the brain. Symptoms of frontotemporal dementia include emotional issues and unusual behaviors. Let’s take a look at the seven stages of this disease.

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What Are The 7 Stages Of Frontotemporal Dementia?

Like most forms of dementia, frontotemporal dementia progresses slowly. Gradually, symptoms will worsen over time. This form of dementia often strikes early, affecting people aged forty to sixty, according to NIA.NIH.gov.

Stage 1. No Symptoms

During stage one, the individual will exhibit no symptoms whatsoever.

  • At this point, the disease has not yet progressed enough to cause any visible symptoms.
  • Patients often present themselves as normal and completely healthy.

Stage 2. Mild Symptoms

Most patients will feel mild symptoms during stage two of this disease. While most dementia patients experience memory issues as the first sign of the disease, this is not the case with frontotemporal dementia.

  • These patients will experience slight changes in both personality and social interactions.
  • Symptoms are very subtle at this point in time.
  • It is possible for a diagnosis to be missed during this stage.
  • If symptoms are noticed they could simply be chalked up as stress.

Stage 3. Cognitive Issues

Stage three is usually where some cognitive issues may be noticed by loved ones.

  • These changes can include deterioration of social skills and language use.
  • Typically, symptoms displayed during this stage are enough to alarm family members.
  • Functional and working memory, as well as social skills begin to go.
  • Obsessive behaviors, including binge eating, may occur at this stage.

Stage 4. Noticeable Symptoms

It will be clear at this point that there is something wrong with the individual. Previously unrecognized symptoms are now extremely obvious.

  • The patient will have difficulty with normal interactions, overall.
  • Language skills may regress, with the patient struggling to speak at times.
  • A diagnosis made at this stage may be considered an ‘early onset’ diagnosis.
  • This means some treatments could be provided to the patient, which may not work in later stages.

Stage 5. Full-Time Care Needed

Stage five is considered the mid-point of the disease’s progression. The patient will need medical intervention, as well as a caretaker some or all of the time.

  • Social skills are very poor by this time.
  • Language is also on a severe decline.
  • Emotional non-reactivity is yet another symptom that is presented.
  • This means the patient may not react appropriately in most situations.
  • While the disease has progressed slowly until now, it begins to accelerate at this stage.

Stage 6. Severe Cognitive Issues

Severe cognitive issues, a decline in judgement, and loss of bodily control will occur in stage six.

  • Another symptom is poor impulse control, which means patients should be monitored throughout the day and night.
  • Speech issues can also pop up, with pronunciation problems persisting.
  • Patients may attempt to go into complete isolation at this point.

Stage 7. Final Stage

This, of course, will be the most difficult stage for the individual and loved ones.

  • Patients will become withdrawn and struggle with communication skills.
  • They may refuse to cooperate in general and become very upset.
  • Personal assistance will be needed for almost every task.
  • Social skills, motor, and verbal abilities will disappear entirely.

Retirement Community In Surprise, AZ

Chaparral Winds is a beautiful assisted living community near Sun City, AZ. Being able to socialize with other residents becomes an integral part of many peoples’ lives and Chaparral Winds Assisted Living offers common indoor space to support that need. If a resident requires assistance moving from a bed to a wheelchair or vice versa, this facility has staff who can help.

Address: 16623 N W Point Pkwy, Surprise, AZ 85374

Phone: (623) 975-0880

623-343-4125
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Regular Post
Written by Brian B

51 First Time Grandparents Quotes

First Time Grandparents Quotes

 

Author Suzette Haden Elgin once said, “A grandmother is a safe haven.” Let’s take a look at some of the best first-time grandparents quotes below.

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New Grandparents Quotes

  • Now you can give your grandchild candy and toys that make a lot of noise. It’s payback time!
  • Enjoy your new bundle of joy!
  • You will be great grandparents.
  • I know you’ll spend all your time spoiling your grandchildren.
  • Every step of your life has been leading up to your most important role: being a grandparent.
  • I’m wishing your new addition to the family much love and joy.
  • You have a brand new bundle of joy in your life.
  • May your new grandchild give you hugs, smiles, and love.
  • Grandchildren are a blessing to grandparents just as grandparents are a blessing to grandchildren.
  • Grandparents are just parents with more experience.
  • Every moment with your grandchildren is a blessing.
  • No one will spoil you like grandma!
  • Grandparents are quite prone to being wrapped around tiny fingers.
  • Grandmothers are the best types of mothers.
  • Grandchildren are made to be spoiled by grandparents.
  • Grandchildren are the reward for those who have labored as parents.

Famous First Time Grandparents Quotes

  • “When it seems the world can’t understand, your grandmother’s there to hold your hand.” – Joyce K. Allen Logan
  • “I don’t intentionally spoil my grandkids. It’s just that correcting them often takes more energy than I have left.” – Gene Perret
  • “They say genes skip generations. Maybe that’s why grandparents find their grandchildren so likable.” – Joan McIntosh
  • “Grandparents, like heroes, are as necessary to a child’s growth as vitamins.” – Joyce Allston
  • “No spring, nor summer hath such grace. As I have seen in one autumnal face.” – John Donne
  • “Few things are more delightful than grandchildren fighting over your lap.” – Doug Larson
  • “To keep the heart unwrinkled, to be hopeful, kindly, cheerful, reverent that is to triumph over old age.” – Thomas Bailey Aldrich
  • “Every house needs a grandmother in it.” – Louisa May Alcott
  • “Sometimes our grandmas and grandpas are like grand-angels.” – Lexie Saige
  • “Posterity is the patriotic name for grandchildren.” – Art Linkletter
  • “A man’s maturity consists in having found again the seriousness one had as a child, at play.” – Friedrich Nietzsche
  • “Becoming a grandmother is wonderful. One moment you’re just a mother. The next you are all-wise and prehistoric.” – Pam Brown
  • “It is as grandmothers that our mothers come into the fullness of their grace.” – Christopher Morley
  • “The only reason grandchildren and grandparents get along so well is that they have a common enemy.” – Sam Levenson
  • “You are the sun, Grandma, you are the sun in my life.” – Kitty Tsui
  • “The simplest toy, one which even the youngest child can operate, is called a grandparent.” – Sam Levenson
  • “Never have children, only grandchildren.” – Gore Vidal                        
  • “Grandchildren are the dots that connect the lines from generation to generation.” – Lois Wyse
  • “Elephants and grandchildren never forget.” – Andy Rooney                
  • “My grandmother is over eighty and still doesn’t need glasses. Drinks right out of the bottle.” – Henry Youngman
  • “A baby has a way of making a man out of his father and a boy out of his grandfather.” – Angie Papadakis
  • “Her grandmother, as she gets older, is not fading but rather becoming more concentrated.” – Paulette Bates Alden
  • “Surely, two of the most satisfying experiences in life must be those of being a grandchild and/or a grandparent.” – Donald Norber
  • “I would love to go back and travel the road not taken, if I knew at the end of it, I’d find the same set of grandkids.” – Robert Brault
  • “Have children while your parents are still young enough to take care of them.” – Rita Rudner
  • “If I had known how wonderful it would be to have grandchildren, I’d have had them first.” – Lois Wyse
  • “My grandfather was a wonderful role model. Through him I got to know the gentle side of men.” – Sarah Long
  • “Being grandparents sufficiently removes us from the responsibilities so that we can be friends.” – Allan Frome
  • “A grandmother pretends she doesn’t know who you are on Halloween.” – Emma Bombeck
  • “Grandparents are, without a doubt, some of the world’s best educators.” – Charles W. Shedd
  • “Love is the greatest gift that one generation can leave to another.” – Richard Garnett
  • “For grandparents, a baby represents them, their hopes and their desire for the future.” – Apollo
  • “It’s such a grand thing to be a mother of a mother – that’s why the world calls her grandmother.” – Unknown
  • “If God had intended us to follow recipes, he wouldn’t have given us grandmothers.” – Linda Henley

New Grandparents

More Grandparents Quotes:

New Grandparents

Retirement Community In Surprise, AZ

Chaparral Winds is a beautiful assisted living community near Sun City, AZ. Being able to socialize with other residents becomes an integral part of many peoples’ lives and Chaparral Winds Assisted Living offers common indoor space to support that need. If a resident requires assistance moving from a bed to a wheelchair or vice versa, this facility has staff who can help.

Address: 16623 N W Point Pkwy, Surprise, AZ 85374

Phone: (623) 975-0880

623-343-4125
Schedule a Tour
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Regular Post
Written by Brian B

Why Should Senior Citizens Perform Balance Exercises

Why Should Senior Citizens Perform Balance Exercises

According to a report from the CDC, an elderly adult falls every single second of every single day in the US. That is why balance exercises for senior citizens are so important.

The Importance Of Balance Exercises For Senior Citizens

Good balance is vital to prevent falls, especially for the elderly. Regular exercise paired with a healthy diet, is the best way to ensure you stay healthy for the long run. There are many different balance exercises that are designed specifically for senior citizens.

Older individuals should choose a balance exercise program that works best for their future while anticipating changes in physique. Use these exercises for more than just fall prevention. These activities can be great for getting outdoors and socializing. Many individuals choose to exercise as a form of meditation, as well. Regular exercise is undoubtedly a gateway to better physical and mental health.

Prevent Disease

So many senior citizens exercise daily as a way to prevent disease. Daily exercise can decrease the risk of cancer, diabetes and heart disease.

Daily exercise has been proven to boost immune function by transferring lymph fluids throughout the entire body. Even light exercise, such as walking, can move lymph fluids to keep immunity functioning at a high level, overall.

Decrease Fall Risks

You can greatly decrease your risk of falling by performing regular balance exercises. Unfortunately, senior citizens are at a greater risk of falling and getting injured than any other age bracket. Any exercise done to decrease fall risks can also increase one’s ability to continue living independently.

Fall injuries can result in broken bones, chronic problems and a lower quality of life. Tai Chi and yoga are ideal for the elderly since they are so engaging and practical.

Benefits Of Balance Exercises

There are many benefits associated with performing balance exercises. Let’s take a look at some of the biggest benefits below.

Increase Muscle Mass

Just like younger individuals who work out to increase muscle mass, the same benefit can be applied to seniors who do regular balance exercises. Tacking on muscle mass helps to reduce any pain that could result from a fall or accident.

Better Sleep

It’s no secret that plenty of exercise during the day can help you sleep better at night. Seniors who are battling irregular sleep patterns are often advised to exercise more. Regular exercise alerts the body to the time of the day in order to maintain a healthy circadian rhythm. Going outdoors to get some sun while exercising also helps to regulate sleeping patterns.

Reduce Falling Risks

This may be the biggest benefit for senior citizens today. Avoiding any at-home falls is vital to preserving your body and health. Regular balance exercises are typically the best way to prevent any accidents.

Improve Coordination

Coordination, like balance, is often overlooked. Good coordination can help a senior in distress to roll instead of fall flat. Coordination often occurs without conscious thought or effort.

Better Cognitive Function

People who engage in regular exercise have better overall brain function than those who do not exercise. Exercise promotes the release of neurotransmitters that keep your brain sharp and healthy. Cognitive clarity can help the elderly avoid any potential dangers.

Balance Exercises for the Elderly

Best Balance Exercises For Seniors

Here are five of the top balance exercises for seniors to try at home.

  1. Foot Taps

This balance exercise strengthens your core muscles that assists in stabilizing your spine.

How to do it:

  1. Stand straight with your feet shoulder-width apart in front of a step (the bottom step of a staircase is perfect) or even a couple of books or footstool.
  2. When needed, hold on to a wall or a solid piece of furniture to balance you. As you get stronger, carry out the move with nothing to hold onto.
  3. From here, gradually raise your right or left foot (whichever you like) to tap your step in front of you, and then gradually return it to the floor.
  4. Carry out fifteen to twenty taps, then repeating using the opposite leg.

  1. Head Rotations

This balance exercise improves the mobility in your neck, which in turn aids with good balance and posture.

How to do it: 

  1. Stand tall having your feet shoulder-width apart.
  2. When needed, hold on to a wall or a solid piece of furniture to balance. As you get stronger, carry out the move with nothing to hold onto.
  3. From here, gradually move your head from left to right then up and down at the same time keeping your body as still as you can.
  4. Carry this out for thirty seconds, then repeat. Should you get dizzy, pause and move your head more gradually.
  5. When you are still dizzy, discontinue.

  1. Standing Marches

This core-strengthening exercise aids in reinforcing the muscles that support your spine.

How to do it: 

  1. Standing tall having your feet shoulder-width apart.
  2. When required, hold on to a wall or a solid piece of furniture to balance you. When getting stronger, carry out the move with nothing to hold onto.
  3. From there, raise your right or left knee until your thigh is parallel to the ground (or close to parallel as you can) while trying to keep your torso straight and trying not to lean.
  4. Take a small break, then gradually return your foot to the ground.
  5. Carry out twenty marches, changing legs with each march.

  1. Sit-to-Stands

This balance exercise not only reinforces your core muscles, but is a good option to squats when you have knee issues.

How to do it: 

  1. Standing tall having your back facing a solid chair with your feet shoulder-width separate.
  2. If you need to, hold on a wall or a solid piece of furniture for balance. As you get stronger, carry out the move with nothing to hold onto.
  3. From there, sit back and gradually lower your hips on to the chair as smoothly as you can.
  4. Pause, and avoiding swinging your torso, pushing through with your heels for standing.
  5. Carry out ten repetitions.

  1. Single-Leg Stands

This is a perfect balance exercise to perform whenever you like, like when you’re waiting for your cup of joe.

How to do it: 

  1. Standing tall with your feet shoulder-width apart.
  2. If you need to, hold on to the wall or a solid piece of furniture to balance. As you get stronger, carry out the move with nothing to hold onto.
  3. From there, raise one foot about an inch off the ground at the same time keeping your torso straight and avoiding leaning toward your planted foot.
  4. Hold for ten to fifteen seconds, then gradually return your foot to the ground.
  5. Repeat for your opposite leg.
  6. Carry-out five stands on each leg.

Chaparral Winds Offers Retirement Living In Surprise, Arizona

Chaparral Winds Retirement Community is a retirement community located in Surprise, Arizona offering assisted living, independent living, and memory care services. For more information about our senior living facility contact SLS Communities or to schedule a tour, please call us today at 623-343-4125.

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Gray Divorce Guide
Regular Post
Written by Brian B

Gray Divorce Guide

Deciding to end a marriage later in life can be very difficult. Many couples, even at advanced ages, are simply unprepared for the unique legal issues that coincide with a divorce. When divorcing, couples must take into account healthcare, retirement savings, insurance, estate planning and social security issues. Senior divorce is now commonly known as “gray divorce.”

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What Is Gray Divorce?

Using the phrase “gray divorce” when referencing a divorce involving spouses over the age of 50 has become a trend lately. This phrase is frequently used to describe divorced couples of the Baby Boomer generation. While the overall divorce rate has steadily declined over the past two decades, the rate has actually doubled for married couples over the age of 50. Let’s look into some of the most common reasons why this is becoming a trend.

Common Gray Divorce Reasons

You may be wondering why so many older couples are filing for divorce these days. Below are a few reasons why gray divorces occur.

Lifestyle

Lifestyles can change dramatically when one or both spouses decide to retire. Ultimately, this can have a negative impact on the marriage overall. Some married couples may find that the increased time spent together does not make them happy.

Empty Nest

Some couples could find that their marriage is not strong enough to survive once the children leave home.

Finances

The majority of couples tend to hold off on filing for divorce until they feel financially stable. Financial stability is seen as more of a female trend these days, as 66 percent of divorces between the ages of 40-69 are initiated by women. This could indicate most women feel most stable at this point in their lives.

Divorce Cycle

It’s no secret that second, third and fourth marriages have lower success rates. Among the Baby Boomer generation, multiple marriages are not uncommon. In fact, the divorce rate for people over the age of 50 with more than one marriage is 2.5 times higher than individuals who have only been married once. If you are remarried and over 64 years old, then your marriage is four times more likely to end in divorce.

Postponed Divorce

Couples with kids will commonly postpone their divorce until the children are grown and/or out of the house.

Dissatisfaction

With the majority of views becoming more relaxed on divorce, more individuals are opting to go through this process at an advanced age.

Impacts Of Gray Divorce

The emotional impacts of a gray divorce will differ based on the individual, of course. Typically, the largest impact a divorce has at an advanced age is on one’s pocketbook. Older individuals will find it difficult to financially recover since there will be less time to do so.

Some elderly couples run into unresolvable issues during retirement, with many factors contributing to the termination of the marriage. Serious financial considerations need to be made for divorcing seniors, such as housing and assets. Housing is a primary concern for all individuals enduring a divorce process.

Gray Divorce Considerations

When filing for divorce later in life, you will have to make a few unique considerations regarding:

  • Income.
  • Retirement.
  • Social Security.
  • Spousal Support.
  • Long-Term Care Options.
  • Insurance Policies.

Chaparral Winds Is An Independent Living Facility In Surprise, Arizona

Chaparral Winds is a beautiful independent living facility near Surprise, AZ. Being able to socialize with other residents becomes an integral part of many peoples’ lives and Chaparral Winds Independent Living Facility offers common indoor space to support that need. If a resident requires assistance moving from a bed to a wheelchair or vice versa, this facility has staff who can help.

Address: 16617 N West-Point Pkwy, Surprise, AZ 85374

Phone: (623) 544-4777

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Written by Brian B

Cost Of Assisted Living In Tucson

How Much Does Assisted Living Cost in Tucson, AZ?

The average cost of assisted living in Tucson is $3,274 per month. Average prices range from $1,100 to $6,700 per month in Tucson, Arizona for 2023 according to multiple sources. A lot of premier services, locations, and areas do cost more. Luxury assisted living facilities will cost more than cheaper assisted living facilities.

• Low Cost: $1,100 per month
• Average Cost: $3,274 per month
• High Cost: $6,700 per month

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Average Assisted Living Cost in Tucson, AZ by Source

The average cost of assisted living in Tucson, AZ is around $3,150; with a low cost ranging around $1,100 and high cost ranging around $6,700, as reported by SeniorAdvice.com.

According to AssistedLiving.com the cost of assisted living in Tucson, AZ ranges from about $1,100 per month up to $5,995 per month. The average cost is approximately $3,548 per month.

Caring.com reports that the average cost of assisted living in Tucson, AZ, is around $3,125.

Read More About Assisted Living Costs in Arizona

Chaparral Winds is an Assisted Living Facility in Surprise, Arizona

Chaparral Winds is a beautiful assisted living facility near Surprise, AZ. Being able to socialize with other residents becomes an integral part of many peoples’ lives and Chaparral Winds Assisted Living Facility offers common indoor space to support that need. If a resident requires assistance moving from a bed to a wheelchair or vice versa, this facility has staff who can help.

Address: 16623 N W Point Pkwy, Surprise, AZ 85374

Phone: (623) 975-0880

623-343-4125
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Aging
Regular Post
Written by Brian B

Levels Of Care For Elderly

This article will detail the six most common levels of elderly care.

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In-Home Care

Often referred to as aging in place, in-home care is designed for elderly citizens who need help around their own homes. Still, these seniors will possess the mental and physical capabilities to survive on their own. This level of care usually consists of daily check-ins, administering personal care and medications.

Staying at home in a comfortable environment is how most seniors prefer to age. In-home care does not tend to last a long time, though. Elderly citizens receiving in-home care typically transition to independent or assisted living communities in the near future.

Independent Living

Many factors can deter seniors in good health from choosing to live in an assisted living facility. One reason may be of the financial burden this housing can put on an individual. Or perhaps you are looking for more of a community with plenty of social interaction. For these reasons, independent living may be the best option possible. Independent living communities generally offer a lot of activities, perfect for social interaction with the same age group.

Independent living gives seniors the freedom they desire. No more housekeeping or meal planning. Instead, they are left to enjoy their day and load their schedule with activities. In addition, most independent living facilities offer a variety of floor plans, which range from large space to small.

No matter the floor plan chosen, a common area will be included in the community. There you will find the community dining area as well as other amenities. Some units may be equipped with their own dining areas for those seeking a little peace and quiet in the evening.

Assisted Living

The biggest benefit of assisted living is the amount of care provided compared to the independent communities. Assisted living facilities are much more attentive since most residents will require more aid. Daily services, such as bathing, laundry, dressing, housekeeping and medical care is offered. Most assisted living facilities will have staff on call 24 hours a day, 7 days a week. Just like independent facilities, assisted living communities provide a whole agenda of group activities for seniors looking for social interaction.

Overall costs can end up as the final factor for those deciding which community to join. Typical costs like rent and utilities are the primary costs of living in an independent facility. The financial responsibilities for an assisted living resident can be much different. Varying meal plans and around the clock medical staff will represent the biggest charges in this community. Typically, due to the services, assisted living communities will cost more than independent facilities.

Respite Care

Respite care is tailored to seniors who are a bit apprehensive about transitioning into either independent or assisted living care. It is also a level of care designed for individuals who may be transition between care stages. Respite care can last anywhere from a month up to a year long. In many ways, respite care is simply a test run to see how comfortable individuals may be at a future facility.

Memory Care

Alzheimer’s and dementia are common types of memory loss conditions that are included in memory care. This specialized care goes through a lot of various services that depend on the severity of the symptoms such as requiring secure settings to prevent wandering.

Memory care goes beyond what is normally offered for assisted living. Meal prep, laundry services, and housekeeping are provided but the level of assistance with daily activities will be increased. Often times, the daily activities are made just to allow the person to reconnect with their favorite hobbies and even interests.

When it comes to recognizing care challenges for those who have Alzheimer’s or dementia, these communities may only provide memory care or for some continuing care communities will have neighborhoods just for memory care. Often times, these communities will have design elements that has shown to lower stress for those who have Alzheimer’s and dementia. These elements could include circular neighborhood designs that allow safe wandering, natural lighting, and memory boxes outside of the room. 6 out of 10 people that have Alzheimer’s will start to wander around, and the community will be designed to lower risks of wandering and that could be adding security alarms on doors or safety checks.

Nursing Home

This type of care is regarded as the most concentrated living situation for seniors today. Nursing home care features more invasive caregiving than any of the other arrangements. Individuals who need frequent hospital visits, with worsening conditions, should opt for nursing home care.

Chaparral Winds Is An Independent Living Facility In Surprise, Arizona

Chaparral Winds is a beautiful independent living facility near Surprise, AZ. Being able to socialize with other residents becomes an integral part of many peoples’ lives and Chaparral Winds Independent Living Facility offers common indoor space to support that need. If a resident requires assistance moving from a bed to a wheelchair or vice versa, this facility has staff who can help.

Address: 16617 N West-Point Pkwy, Surprise, AZ 85374

Phone: (623) 544-4777

623-343-4125
Schedule a Tour
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Can The IRS Take Your 401k
Regular Post
Written by Brian B

Can The IRS Take Your 401k

Can the IRS take your 401k and/or retirement money, and what can you do to protect your valuable assets?

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Why Is The IRS Trying To Levy My 401k?

Retirement accounts are protected from creditors, but the IRS is an exception here. The general rule to know is that if you can get it, then the IRS can get it too. The biggest reason why the IRS would try to levy your 401k or other retirement accounts is because of back taxes owed. A levy from the IRS is essentially a seizure of your assets to cover that tax debt.

The IRS will typically send a notice and demand for the payment to be made to the individual with tax debt. If you ignore the notice, they will send a final notice of intent to levy which will be issued 30 days before the levy occurs. Before the seizure is made, the IRS will investigate assets you own to see if they have sufficient equity to pay off your tax debt, or else the seizure is prohibited.

The IRS can seize all types of retirement accounts from individuals, including your 401k plans. Currently, there are no prohibitions in the IRS code against it. If your only source of money is taking distributions from money still available in your retirement accounts, the IRS will expect you to liquidate the account in order to pay off the taxes.

Can The IRS Take My 401k If I Owe Taxes?

The IRS is able to take your 401k if you are eligible to take distributions from it. The IRS cannot take your 401k money if you are restricted from taking money from your account, stemming from either plan restrictions or age.

Can The IRS Take My Pension Or Retirement Money If I Owe Taxes?

Yes, the IRS has the ability to take your retirement funds if you owe any back taxes. These retirement accounts can be levied by the IRS:

  • IRAs.
  • SEP-IRAs (self-employment).
  • Keogh plans.
  • Company profit sharing.
  • Qualified pension plans.
  • Stock bonus plans.

How To Defend Your Retirement Accounts

The IRS can only get what you can get, so that means if you can’t access it, then neither can the IRS. Many retirement plans deny you access until you either retire, die, take a job with another company or become disable. The IRS cannot force you to terminate your employment, and as long as you stay employed the IRS cannot access your retirement account. If this is the case, the IRS will begin looking into your wages and other personal assets to pay off your tax debt.

If you have access to your retirement money, though, the IRS does too. Whether or not they take that money likely depends on if your conduct leading up to the tax liability was flagrant or not. Flagrant conduct includes tax evasion, fraud or making contributions while taxes go unpaid. If you can prove to the IRS that your conduct was not flagrant or that you depend on this retirement money, the funds cannot be levied.

The IRS will back off if they can establish that they have no rights to your money. For the most part, the IRS is hesitant to take retirement money.

What Should I Do To Keep My 401k?

The best way to protect any accounts, such as a pension and 401k, is to set up a payment plan to pay any back taxes. However, if you deliberately did not pay taxes, the IRS will seize your money. Proving that you need this money for basic living expenses can lower the amount of money the IRS can take.

Chaparral Winds Is An Independent Living Facility In Surprise, Arizona

Chaparral Winds is a beautiful independent living facility near Surprise, AZ. Being able to socialize with other residents becomes an integral part of many peoples’ lives and Chaparral Winds Independent Living Facility offers common indoor space to support that need. If a resident requires assistance moving from a bed to a wheelchair or vice versa, this facility has staff who can help.

Address: 16617 N West-Point Pkwy, Surprise, AZ 85374

Phone: (623) 544-4777

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Retirement And TAxes
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Regular Post
Written by Brian B

What Age Can You Stop Filing Income Taxes?

What Age Can You Stop Filing Income Taxes?

For tax year 2021, you can stop filing income taxes at age 65 if:

  • You are 65+, unmarried, and making less than $14,250.
  • You are 65+, married, filing jointly, and making less than $26,450.
  • You are a qualifying widow, earning less than $26,450.
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The IRS will want you to file a tax return whenever your income rises above the total of the standard deduction for your specific filing status, in addition to one exemption amount. These filing rules do still apply to seniors currently living on their Social Security. However, if Social Security happens to be your sole income source, then you do not need to file a tax return.

When Do Seniors Need To File Taxes?

You need to file a tax return if you are 65+ years old, unmarried, and your gross income was $14,250 or higher for the tax year 2021. However, if you live on your Social Security benefits, you do not need to include this in your gross income, according to Turbo Tax. If this is your one and only source of income, your gross income will come out to zero, meaning you do not have to file a federal income tax return. if you earn additional income that is not exempt from being taxed, though, then you must figure out if the yearly total exceeds $14,250.

For previous tax years, these amounts are based on the year’s standard deduction, in addition to the exemption amount for your age and filing status. When you and your spouse are 65+, married, and filing jointly, you must file a return if your combined gross income surpasses $27,800. If your spouse is under the age of 65, then the threshold amount falls to $26,450. Keep in mind these specific income thresholds applied in the 2018 tax year, and typically increase each year.

When To Include Social Security In Your Gross Income

There are a few circumstances that exist when a senior must include Social Security benefits in their gross income. For instance, if you are married, filing an individual tax return, and live with your spouse during the year, 85% of your benefits are deemed gross income. This scenario may call for filing a tax return.

An allotment of your Social Security benefits are included in your gross income, regardless of your status, in any year the total of half your Social Security, including tax-exempt interest, exceeds $25,000 or $32,000, as long as you are married and filing jointly.

What Age Do You Stop Paying Taxes On Social Security?

You may stop paying taxes on Social Security at age 65 as long as your income is not substantial. Turbo Tax provides all the specifics in this article.

Tax Credits For Seniors

There are a few ways to lower the amount you’ll pay on your taxable income. Tax credits are available for individuals ages 65+, earning their own income from alternative sources than Social Security that is not high. Bear in mind the tax credit only comes in handy when you owe the IRS.

Retirement Community In Surprise, AZ

Chaparral Winds is a beautiful assisted living community near Sun City, AZ. Being able to socialize with other residents becomes an integral part of many peoples’ lives and Chaparral Winds Assisted Living offers common indoor space to support that need. If a resident requires assistance moving from a bed to a wheelchair or vice versa, this facility has staff who can help.

Address: 16623 N W Point Pkwy, Surprise, AZ 85374

Phone: (623) 975-0880

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