Dedicated to exceeding your expectations … always Long Term Living Resources for Families M ICHELE M ANZO -L EMBO M ARK A. L EMBO Area Representatives presented to City of Tampa

Agenda Introducing Always Best Care Senior Services (ABC) Long-term Living Services o What is it? o How to pay for it? ABC’s solutions for families

Introducing Always Best Care... Our Mission: We’re local experts in senior care, providing a resource for aging and senior living delivered through locally-owned and operated offices around the country. Since 1996, Always Best Care has provided non-medical in-home care and senior living finder and referral services.

 Tampa/FL West Region Michele and Mark Lembo Area Representatives  Hillsborough/South Tampa to Sun City Center Jennifer and Bob Morgan Greater Tampa Bay Team

What does “Long-Term Living” mean to you?

Long-Term Living Services What? Variety of services which help meet the medical and/or non-medical needs of people with a chronic illness or disability who cannot care for themselves over an extended period of time. Who? Acute Long-Term Care needs Recovering from an accident or surgery Relatively shorter-term care needs Chronic Long-Term Care needs Prolonged illness or disability Limited physical or cognitive functioning

Long-Term Living Planning is… Living well as we age Maintaining independence and control Knowing our options Consulting with legal & tax professionals Communicating with family Taking action

Personal (and Custodial) Care Non-skilled care Provided in a variety of settings - private homes, boarding houses, assisted living facilities, or skilled nursing facility (aka nursing home) Supervisory care may provide monitoring and support in a controlled environment Provides assistance with Activities of Daily Living and Instrumental Activities of Daily Living…

Activities of Daily Living (ADLs) Six basic actions performed by an independently functioning person on a daily basis… o Eating o Bathing o Dressing o Toileting o Caring for incontinence o Transferring (moving to and from a bed or a chair)

Instrumental Activities of Daily Living (IADLs) Activities often performed by a person who is living independently in a community setting during the course of a normal day… o Shopping o Preparing meals o Managing money o Travel in community o Housekeeping and laundry o Taking medications correctly

Home and Community-Based Services Adult Daycare Services Visitor / Companion Services Home Care Services Skilled/Home Health Care Services Respite Care Meal Programs Senior Centers Transportation Services Emergency Response Systems

Understanding the Impact of Family Caregiving on Work Most Family Caregivers Juggle Caregiving With Employment – 61 % of family caregivers age 50-plus work either full-time (50 %) or part-time (11%). More Workers Have Eldercare Responsibilities – 42 % of U.S. employees have cared for an aging relative or friend in the last five years. – Workers with eldercare responsibilities cut across all racial and ethnic groups. – Nearly 1 in 4 (22 %) workers (45- to 64-year-olds) care for a parent - largest of any age group. AARP Public Policy Institute Fact Sheet 271, October, 2012

Understanding the Impact of Family Caregiving on Work Costs of Caregiving Affects Both Individual Workers and Employers – U.S. business lose around $33.6 billion annually in lost productivity from full-time caregivers. – 68 % family caregivers have made work accommodations. – Research show a link between working caregivers with eldercare responsibilities and their health care costs.

Understanding the Impact of Family Caregiving on Work Eldercare Benefits Help Adults Better Balance Job and Family Caregiving Responsibilities  Eldercare programs benefit both employers and employees – improving productivity, employee retention and health while reducing stress.  On-site support groups, discount backup home care, referrals to community caregiving resources  Flexible work arrangements, family leave, paid sick days

Understanding the Impact of Family Caregiving on Work Eldercare Benefits Help Adults Better Balance Job and Family Caregiving Responsibilities  Eldercare programs benefit both employers and employees – improving productivity, employee retention and health while reducing stress  On-site support groups, discount backup home care, referrals to community caregiving resources  Flexible work arrangements, family leave, paid sick days

Paying For Long-Term Living

70% of persons over age 65 will need long- term care during their lives. Medicare (health insurance ) covers limited stays in nursing homes when skilled nursing care is required. Does NOT cover assisted living. Medicaid (low income & savings) may cover some assisted living costs, provides nursing home coverage. Facilities NOT required to take Medicaid. Long-term Care Insurance frequently covers in-home help, assisted living facility costs and nursing 20 hrs/wk for 52 weeks Source: US Dept of Health and Human Services 17

Dedicated to exceeding your expectations … always Long-Term Living: Funding Sources Out-of-pocket / retirement savings Family funds Home equity loans Reverse mortgages Long-term care (LTC) insurance Medicaid LTC/Managed Care Program Veterans Administration programs 18

Employer, Group and Private Health Plan LTC Coverage  Short-term, skilled care  Medically necessary  Most health insurance plans will not cover custodial LTC

We have assisted more than 25,000 seniors. We realize everyone has their own story and preferences. We work with clients to plan needed support and care to achieve the best solution using a variety of services and programs. About Always Best Care...

Solutions-Based + Options-Oriented Comprehensive solutions and an array of options to match a client’s physical and social needs o Always in Touch Telephone Reassurance o Homemaker/Companion Services o Personal Care Services o Senior Living Finder Services

Non-Medical Placing personal care attendants in the home or senior community Homemaker & Companion Services  Prepare Meals, Pay Bills, Pet Caring, Run Errands, Transportation, Sitter Personal Care  Assistive/Personal Care Schedules from 1 hour to live-in (24/7) In-home Care Medical Home Health Care Skilled services – nursing and specialized therapy: doctor orders. Generally limited up to 60 days Chronic Disease Management Coordinating Medications Diabetic Care Pain Management Post Operative Care Wound Care 22

Exploring Senior Care & Housing Alternatives Aging in Place / at Home In-home Care Home Modifications Senior Living Options Independent Living / Retirement Community Assisted Living Community Adult Family Care Home Nursing Home / Skilled Nursing Continuing-Care Retirement Communities (CCRC) Independent + Assisted Living + Nursing Home care 23

How many ALFs within a 30 Minute Drive of Here? Answer: approximately

500+ Senior Communities in Tampa Bay Area Consumers can drown in data from online searches o Forget which sites they’ve visited o Limited or no pricing info and no comparisons We ADD VALUE: Inform, simplify, streamline Work to identify best community choices Senior Living Finder

Always in Touch: Free Daily Phone Calls When you need someone to reach out to you, Always in Touch provides free daily phone contact and peace of mind for seniors living alone. It’s a free service from Always Best Care – our way of giving back to the communities we serve.

Personalized Placement Services - FREE  Work with clients on exclusive basis - – central central point of contact for family and senior communities.  Meet with family to understand care needs, price range, desired location, social needs;  Match client’s needs to communities which best fit requirements based on our personal visits & evaluations;  Arrange guided community tours  See client through the entire process  All at no charge to the family

Veterans Assistance Program Always Best Care can help Veterans get the funds to pay for the care they need through our strategic legal partner – Center for Elder Veterans Rights. Our legal partner provides clients with an opinion of eligibility, and tracks the client’s claim status directly with the VA to expedite approval.

Aging & Disability Resource Centers Elder Helpline ELDER ( )

National Clearinghouse for Long-Term Care Information

Dedicated to exceeding your expectations … always C ONTACT U S Michele Manzo-Lembo (813) Mark A. Lembo (813) Always Best Care Florida West