For many seniors, transferring into a senior living centre can be a frightening experience. There are many things to consider and to think about before making the transition. One of the largest obstacles, of course, is the cost. Prices for private nursing homes can vary depending on a number of factors but most importantly the complexity of care needed.
What are Private Nursing Services?
Private nursing services are comprehensive and can include palliative care, respite care, companion care, and memory care. Nursing care facilities are staffed around the clock with qualified nursing professionals, including Registered Nurses and Licensed Practical Nurses, as well as experienced healthcare managers who understand the needs of senior care in general.
At Lynn Valley we are committed to helping all our patients get the most out of life and make good decisions about their health and overall wellbeing. Our staff always advise our residents and their families about their care options and encourage them to understand their condition in an informed manner. Furthermore, we work alongside our doctors, nursing staff, and health care professionals to ensure that the treatment and care we provided is professional and in the best interest of the resident.
What Private Care Services Can I Have?
When considering the most appropriate care for a resident, we invite those involved to meet our head nurse and the rest of the staff for an initial consultation so that the senior, their partner, and families can feel comfortable and can discuss the best care solutions. Each senior has his or her particular requirements and while it is often easy to identify immediate needs that have brought the senior to our facility, there are often other needs to be met – whether it’s as simple as a favourite activity or a particular food. We take everything into account to ensure our resident feels right at home. That is why we always take the time to thoroughly discuss every aspect with the seniors and their family.
How to Apply For Financial Assistance
There are financial options available if you need help paying for nursing care. There are many bursaries and grants available to help with payment and additional expenses. Another option is insurance. Some types of insurance will pay partially or completely for nursing care. You should talk to your insurance agent for options. Insurance companies are not always easy to deal with and sometimes your insurance provider will try and deny your claim. To get the insurance company to pay, you may need a doctor’s note describing the senior’s physical and/or mental limitations.
Life insurance is another resource you may already have that can cover the costs of nursing. If you want your life insurance to remain in place but are comfortable having less to leave to your beneficiaries, pull money out from the built-up cash value. If you are ready to cash out completely, expect to pay income tax on the full amount. However, some policies do not allow cashing out before death so you should talk to your insurance agent about your options.
The Veterans Affairs office can offer financial assistance for nursing care. In order to receive this benefit, the senior must have served for at least 90 days during a period of conflict. If you need more information check out BC Seniors Living Association website which has a lot of good information about nursing care.
If you have any questions about other types of financial assistance, ask us at Lynn Valley for advice. We can also help advocate on your behalf to get your family member the care they need. A great resource is seniorsfirstbc.ca which has many suggestions on programs available.
Obviously, planning for long term nursing care is vitally important, and it needs to be done well in advance before it is time to consider moving into a care home. The sad reality is that very few people plan ahead—even those who do financial planning in other areas. Unfortunately, many seniors have a feeling of denial and resist doing end-of-life planning or will talk about their options. At Lynn Valley, whether you decide on private pay or government assisted, you get the best treatment. We are committed to our residents and their families.