Retirement and aging don’t have to be complicated things, especially when there are so many choices for senior care and living. If you find that you need some extra help around the house, you can find assistance through homemakers or home health aides. Maybe you don’t want to stay in your house but rather move to a new community and live your retirement to the fullest. Fort Wayne has options for every senior and every lifestyle; you just need to choose which suits you best!
Often the first question seniors have about care options is how much does it cost? Fortunately, on most fronts, Fort Wayne averages are right in line with national averages. For instance, a private room in a nursing home costs about $92,378 per year nationally, and in Fort Wayne, it costs $97,455. Semi-private rooms in Fort Wayne drop down to $77,015 annually compared to the national average of $82,125.
In-home costs in Fort Wayne are a little higher with homemakers costing about $46,629 compared to $45,760 and home health aides at $46,904 compared to $46,332. Assisted living, on the other hand, is almost $10,000 cheaper in Fort Wayne at $35,640 instead of the national median cost of $43,539. Adult day care sits at $18,200 in Fort Wayne while national costs are around $17,680.
When considering your options, you should also plan for an increase in price over the years. According to the Genworth Cost of Care Survey, nursing home rooms are expected to rise 3-5% over the next few years. In-home care could increase between 2 and 4%. On the other side of things, assisted living is expected to decrease by 7% and adult day care could drop 1%.
You might only think there are a few choices for senior living, but as the baby boomer generation has started to reach retirement age, more and more options are available. In-home options span from companionship services to 24/7 skilled nursing care. You can also choose to live in a senior community, and that could mean upscale amenities, a continuum of care, or specialized treatment for Alzheimer’s disease.
If you want to age in your house, you can use a mix of in-home services and community services.
Homemakers act as an extra set of hands around the house, and they can do a lot of various tasks. Providers like Heartland Home Health and Senior Helpers send caregivers to your home to care for things like cleaning, preparing meals, running various errands, reminding you to take your medication, getting you up, bathed, and dressed for the day, and any other assistance you might need.
Home health aides can handle personal care tasks as well, but they also take care of medical needs. Nurses, like the ones at BrightStar Care in Fort Wayne, monitor health conditions, check vital signs, change bandages, offer IV therapy, and can care for certain conditions like Alzheimer’s, cancer, or diabetes.
Adult day care programs are an option for seniors that need a place to go during the day or caregivers looking for respite care. These programs help seniors socialize, engage in activities, and get a healthy meal all with supervision. Lutheran Life Villages offers adult day care in the area with personalized schedules to meet each senior’s needs.
Independent concierge services give seniors who aren’t ready for full-time care a little extra help with a few strokes of the keyboard. Websites like Rover, Favor, TaskRabbit, Handy, Porch, and Amazon Home Services allow you to hire someone to clean your house, walk your dog, or pick up your groceries.
Before hiring anyone, especially those caring for you in your house, you should do your research. You can get suggestions from your friends and relatives but make sure to check those options online at the Better Business Bureau. Here are a few questions you should ask:
Do they have all permits as required by the state?
Are they insured and bonded?
Have all employees had a thorough background check?
Are there ongoing screenings?
What happens if there is an emergency or your regular caregiver can’t make it?
Is there transportation for adult day care?
The picture you have in your head of nursing homes and assisted living facilities is probably far from the truth. You can find whatever you need in community living, from resort-like amenities and unique services to a continuum of care and constant medical care.
Independent living is sometimes called a 55+ community, and you can live there without constant supervision. You will also have access to all the community amenities like a swimming pool, golf course, fitness classes, or onsite restaurants and shops.
Assisted living offers a little more help and attention than independent living. The staff takes care of housekeeping, personal care tasks, and meal plans. Most facilities have a continuum of care so if your health changes you won’t have to leave the facility.
Nursing homes have a higher level of medical care and seniors that have a disease, debilitating illness, or have just had surgery spend some time here. There are both doctors and nurses on staff to handle any issue or emergency, and other professionals like therapists can help with recovery.
Dementia care is a particular type of nursing home that focuses on seniors with memory loss or Alzheimer’s. The staff creates a calm environment with engaging activities to suit each patient. Extra security is in place to decrease the amount of wandering.
What is the total cost? What does that cost include?
What are the extra services and their prices?
Is there a continuum of care? What will my individual plan look like when I need it?
Are independent service providers allowed for non-medical or health related tasks?
The only lifestyle that isn’t covered by some program is independent living. You can use Social Security payments, retirement savings, or consider a reverse mortgage to pay for that, though. Just be sure to consult with your financial advisor so you can understand the consequences of each choice. Medicaid will help seniors that meet both the income level requirement and other eligibility rules. Veterans can use VA benefits and seniors with long-term care insurance can see what services their policy includes.
Retirement is an exciting time because you have all the time in the world to do the things you love. In Fort Wayne, you can find events just for seniors like bingo, golf outings, shows and more. Volunteering is also an excellent idea during retirement, and the Fort Wayne Volunteer Center has a list of opportunities to serve.
You can find more of our guides on topics like assisted living, respite care, or veteran support to learn more about any need you might have during retirement.
Find assisted living in Fort Wayne near you.