by Kristen Ishihara and Chris Parker with Ishihara & Parker Law Firm PLLC
Today’s topic is about something we see a lot of confusion around—helping your loved ones transition to the right level of care. Whether it’s independent living, assisted living, or skilled nursing care, the options can feel overwhelming.
If you’d like to dive deeper, watch the video below for our full discussion, and don’t forget to like, subscribe, and turn on notifications on our YouTube channel for more practical advice on topics that matter to your family’s future.
Levels of Care: What Do They Mean?
When families start exploring care options for their loved ones, it’s often triggered by one of two events:
A Health Crisis: A loved one may have had an accident or medical event, and healthcare providers recommend transitioning to a care facility.
Changes Noticed at Home: Visits—especially during the holidays—might reveal that a parent or loved one is struggling to manage daily life.
From there, families often encounter terms like independent living, assisted living, memory care, or skilled nursing. Here’s what those mean:
1. Independent Living
This is a great option for those who can still live independently but may benefit from the convenience of services like meal prep, transportation, or light assistance.
What It Looks Like: Independent living can range from staying at home with support services to moving into a senior community that offers group activities and minimal assistance.
How It’s Paid For: Independent living is typically private pay. Programs like Meals on Wheels or subsidized housing may offer some relief, but most costs come out of pocket.
Who It’s For: Ideal for seniors who want to downsize or simplify their lives without needing extensive care.
2. Assisted Living
When more care is needed, assisted living offers daily support for things like medication management, meals, and personal care.
What It Looks Like: Assisted living communities offer more oversight, including staff on hand for daily assistance. Some facilities also have dedicated memory care units for those with dementia or Alzheimer’s.
How It’s Paid For: Assisted living is primarily private pay. Wartime veterans or their spouses may qualify for VA Aid and Attendance, and in rare cases, Medicaid Star Plus waivers might help.
Who It’s For: Seniors who need help with daily tasks but don’t require full-time medical care.
3. Skilled Nursing Care
This is the highest level of care, providing round-the-clock medical oversight.
What It Looks Like: Skilled nursing facilities often include both rehab services and long-term care options. These facilities can accommodate those who need 24-hour medical care or are no longer safe living independently.
How It’s Paid For: Medicaid may help cover costs if the facility accepts it, making skilled nursing an option for families with limited financial resources.
Who It’s For: Individuals with significant medical needs or requiring 24/7 supervision.
How to Plan Ahead
If you’re navigating this process, here are some practical tips:
Do Your Research: Visit facilities ahead of time to understand what they offer and how they align with your family’s needs. This can help reduce stress during an emergency.
Understand Costs: Talk to facility staff about pricing structures and how costs might increase as care needs grow.
Plan for Medicaid if Needed: If Medicaid will be necessary, ensure the facility you choose accepts it. Many assisted living and memory care options do not.
Build a Team: Meet with your loved one’s healthcare providers, financial advisors, and legal professionals to create a care plan.
Watch, Subscribe, and Stay Informed
We hope this guide helps you navigate the different levels of care and make informed decisions for your loved ones. For more practical advice, watch the full video above, and don’t forget to like, subscribe, and turn on notifications on our YouTube channel.
At Ishihara & Parker Law Firm PLLC, we’re here to help you plan for the future with confidence. Call us at (903) 555-1234 or contact us below for personalized advice. We'll help you ensure your loved ones are safe, cared for, and supported every step of the way.
