Considering a Long-Term Care Facility or Home and Community-Based Services for yourself or a loved one can be a stressful and overwhelming experience. Questioning whether you are making the best decisions for yourself or your family member’s long-term care needs can be emotionally draining. Legacy Senior Solutions (LSS) can help you navigate the many different levels of care, costs, and amenities associated with long-term care that will best suit your needs.
Levels of Care
An individual must meet Nursing Home Level of Care in order to be eligible for state and federal programs that help mitigate care costs for HCBS Waiver Services, Assisted Living Facility and Skilled Nursing Facility Care costs.
If a person is unable to care for themselves for a sustained period of time and not having assistance would result in them being a danger to themselves, they would likely meet the requirement for Nursing Home Level of Care. Typically, states require individuals to be unable to care for themselves in more than one way. For example, a state might require the person to have a combination of memory issues and mobility issues. The reasons for which a person may be unable to care for themselves can be:
- Medical – such as they require assistance with catheters, IV drips, ventilators or other medical devices.
- Cognitive – such as memory issues resulting from Alzheimer’s / dementia or an inability to process information
- Behavioral – such as an inability to control their actions or moods
- Functional – such as an inability to manage Activities of Daily Living like dressing, toileting and eating
Long-Term Care Glossary
Home and Community-Based Services (HCBS): Services and service settings in the community, such as adult day services, home delivered meals, or transportation services. They are designed to help older people and people with disabilities stay in their homes as independently as possible.
Assisted Living Facility (ALF): Residential living arrangement that provides individualized personal care, assistance with Activities of Daily Living, help with medications, and services such as laundry and housekeeping. Facilities may also provide health and medical care, but care is not as intensive as care offered at a nursing home. Types and sizes of facilities vary, ranging from small homes to large apartment-style complexes. Levels of care and services also vary. Assisted living facilities allow people to remain relatively independent.
Skilled Nursing Facility (SNF): (also called Nursing Home) Licensed facility that provides 24/7 general nursing care to those who are chronically ill or unable to take care of daily living needs.
Nursing Home Level of Care: Long-Term Care Facilities, as well as state and federal programs follow this criteria to determine placement in the facility that addresses their current level of care needs and when they are eligible to receive benefits. This criteria includes:
- Needing help with two or more Activities of Daily Living
- Having a cognitive impairment such as severe dementia or Alzheimer’s Disease
Activities of Daily Living (ADLs)Basic actions that independently functioning individuals perform on a daily basis: Bathing, dressing, transferring (moving to and from a bed or a chair), eating, caring for incontinence
Facilities, as well as state and federal programs determine eligibility for services according to a person’s need for help with ADLs.
Instrumental Activities of Daily Living (IADLs): Activities that are not necessary for basic functioning, but are necessary in order to live independently. These activities may include:
- Doing light housework
- Preparing and cleaning up after meals
- Taking medication
- Shopping for groceries or clothes
- Using the telephone
- Managing money
- Taking care of pets
- Using communication devices
- Getting around the community
- Responding to emergency alerts such as fire alarms
Cognitive Impairment: Deficiency in short or long-term memory, orientation to person, place and time, deductive or abstract reasoning, or judgment as it relates to safety awareness. Alzheimer’s Disease is an example of a cognitive impairment.
Iowa Long-Term Care Costs
Home Health Aide: Average Hourly Rate: $17.00
Assisted Living: Lowest Monthly Cost: $1,555.00
Assisted Living: Highest Monthly Cost: $4,675.00
Assisted Living: Average Monthly Cost: $2,400.00
Nursing Home: Semi-Private Monthly Cost: $6,083.00
Nursing Home: Private Monthly Cost: $6,479.00
Nebraska Long-Term Care Costs
Home Health Aide: Average Hourly Rate: $19.65
Assisted Living: Lowest Monthly Cost: $1,575.00
Assisted Living: Highest Monthly Cost: $4,350.00
Assisted Living: Average Monthly Cost: $2,850.00
Nursing Home: Semi-Private Monthly Cost: $6,905.00
Nursing Home: Private Average Daily: $7,266.00
Questions about Senior Placement Services?
Simply fill out the contact form or call us at (712) 746-7700 for your FREE consultation today! We’ll be happy to answer your questions and develop a plan that is right for you.