Continuing Care at Home Programs Allow You to Maintain Control

More people today understand the need to plan for the financial costs and burdens of aging. A new concept allows for in-home care and aging in place as you protect savings and ease family stress.

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Continuing Care at Home Programs Allow You to Maintain Control
3 Min Read January 5th, 2021 Updated:February 11th, 2022

 In the midst of this global pandemic, adults who are 50 and older may consider or reconsider how they will plan for the financial costs and burdens of aging. 

The majority of people want to remain in their own homes and maintain control of their lives and future health care decisions; however, there needs to be a plan in place to be successful in that journey. 

Several Options to Consider

There are several options people consider, often before they retire as part of their over-all retirement planning. As you begin your research you will find options that include:

  • Life Plan Communities or Continuing Care Retirement Communities
  • Long-Term Care Insurance
  • Hybrid Life/LTC Insurance
  • Annuity/LTC Insurance
  • 55+ Residential Communities

One option to be aware of is the concept of Continuing Care at Home (CCaH).

Aging in Place Popular Option

CCaH programs are for independent adults who want to age in place, preserve assets, and maintain autonomy and agency through life. It offers a financial component similar to Long-Term Care Insurance but offers proactive wellness coordination that sets itself apart from other products on the market. 

Most programs are associated with a brick and mortar Life Plan Community allowing CCaH members to utilize services and amenities on the campus. Programs also have separate events and programming for members to provide engagement and socialization.  

This model started in the early 1990s with the program Friends Life Care in the Philadelphia area. Today, 31 programs operate across the country and serve over 5,000 older adults and growing. Programs are in Pennsylvania, New Jersey, Ohio, Iowa, Connecticut, New Hampshire, New York, Virginia, North Carolina, South Carolina, Georgia, Florida, Tennessee, Michigan, Arizona, and Hawaii. 

COVID-19 Means CCaH Even More Desirable

With the circumstances of COVID-19 and the desire for more adults to age in place, there will probably be an increase in programs and more states added to this list in the future. These programs are nonprofit and share a common mission of serving older adults and increasing quality of life.

CCaH programs usually offer various plan options and can often work with existing Long-Term Care Insurance policies and offer more comprehensive coverage. Most plans have a one-time membership fee and an ongoing monthly fee that has some tax deductibility. Proactive wellness coordination remains a key component of the CCaH program. 

Recent benchmarking of about 13 programs from across the country has shown only 1% of members making a permanent transition into skilled nursing homes. The data also showed a drastic reduction in hospital readmission at only 5% compared to an average Medicare recipient rate of 16%.  

Some of the services often provided include care coordination, home safety inspection, transportation services, in-home skilled and semi-skilled services, companion/homemaker services, emergency response services, and wellness and social programs.

These programs allow older adults to remain in control of their future and help them secure financial assets even as the cost of care continues to increase. Check with your local nonprofit Life Plan Community to see if they offer a CCaH option.

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About the Author

Amanda Young is the Senior Director of Independent Living at Franke at Seaside and the Director of BeWell@Home, South Carolina’s first and only continuing care at home program. Ms. Young is doctoral candidate in Gerontology at Concordia University Chicago with research focuses on aging in place and proactive health and wellness initiatives. She holds an M.S. in Gerontology from McDaniel College and has been working in aging services for the past 15 years.

LTC News Contributor Amanda Young

Amanda Young

Contributor since January 5th, 2021

Editor's Note

Aging consequences. Ignoring the problem can be devastating for your family and finances. It will adversely affect your lifestyle and legacy. Planning will ensure you protect your income and assets and access quality care without burdening your loved ones.

This is a problem you should address before you get older. The ideal time is when you are younger and healthier. It is your current good health and gives you the power to plan.

The good news is that Long-Term Care Insurance is custom designed and affordable. LTC Insurance is typically purchased when someone is in their 50s and in reasonably good health. Premiums are based on the person's age, health, family history, and other factors. LTC Insurance is affordable for most people, especially if purchased younger. Several top insurance companies offer these plans, but premiums and underwriting criteria can vary dramatically between insurance companies. A Long-Term Care Insurance specialist can assist in navigating the many options, getting accurate quotes, and finding affordable coverage. 

Pre-existing health problems can make obtaining Long-Term Care Insurance more difficult or, in some cases, impossible. The underwriting criteria differ with every insurance company. An LTC specialist will understand these differences and guide you to available options.

Plan for the consequences and avoid the crisis otherwise placed on those you love.

Have Questions About Long-Term Care Planning?

You might have questions about long-term health care planning, and LTC NEWS provides the answers for many of the most asked questions here - Frequently Asked Questions | LTC News. Find all the resources available on LTC NEWS - Resources for Long-Term Care Planning | LTC News.

Find the cost of care where you live by using the LTC NEWS Cost of Care Calculator - Cost of Care Calculator - Choose Your State | LTC News.

Experts recommend seeking the help of a qualified and experienced Long-Term Care Insurance specialist to help you find the right coverage. A specialist will match your age, health, and family history with the right coverage at the right price. 

Loved Ones Need Help Now?

Get help finding quality caregivers or long-term care facilities and get recommendations for a proper care plan, whether a person has a policy. - Filing a Long-Term Care Insurance Claim | LTC News

If your loved one is lucky enough to own a Long-Term Care Insurance policy, be sure they use it. Sometimes families wait, thinking they can save the benefits for a rainy day. Waiting on using available Long-Term Care Insurance benefits is not a wise idea. 

If your parent or parents need help be sure to get them quality care. LTC NEWS can help. We have put together several comprehensive guides to help you in your process.

Start by reading our guides -  

Advantages of Reverse Mortgages 

Today's reverse mortgages for those aged 62 and older could be an ideal resource to fund a Long-Term Care Insurance policy OR even provide money to pay for care if you, or a loved one, already needs help and assistance. You might be eligible at younger ages as well. 

Some people have much of their savings invested in their homes. With today's reverse mortgages, you can find ways to fund care solutions, care itself, and even help with cash flow during your retirement. 

Learn more by asking questions to an expert. Mike Banner, LTC NEWS columnist and host of the TV Show "62 Who Knew" will answer your questions regarding caregiving, aging, health, retirement planning, long-term care, and reverse mortgages. 

- Just "Ask Mike." - Reverse Mortgages | LTC News.

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