If approved and covered by John Hancock, is your mom OK with your dad moving to the memory care unit?
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She says would rather keep things the way they are (with her constant monitoring of Dad) but she accepts the fact that the ccrc is demanding Dad move to memory care. I think she is slightly intimidated by the staff also. My sister thinks the CCRC is justified in making Dad go to memory care because he is a liability for them since he may wander off unnoticed and God knows what might happen to him. I've thought of resisting the move to mem care for Dad, but I just want to do what Mom wants. Even though she may not know what she wants. Dad is a huge burden on her, and she might be happier if he went to memory care, as long as she could still see him often enough, and go to dinner in the on-site restaurant with him every day. I've seen Dad be dropped off at the memory care unit already for a few hours at a time while Mom goes out shopping or something, and he is fine with it as long as he knows what he is supposed to do, like sit in this chair with these other folks and watch TV, or whatever activity they are doing). The staff have been letting Mom drop Dad off there occasionally for the last few weeks, for free. They must be getting him used to it, for a seamless transition when the time comes.
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Based on the experience an older friend of mine is having with his LTC insurance, it would likely be easier to get the memory care unit coverage approved than memory care aides assisting in the assisted living section. I don't know why but the insurance companies seem to balk at paying for ala carte services to allow a client to stay in lower level of care units.
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Mom does not like the idea of 24 hour aides, with the lack of privacy. We were under the impression the 24 hr aides would be coming to the independent living residence.
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What type of CCRC contract (A, B or C) do your folks have? Is it lifecare where the CCRC begins picking up the costs for full nursing or memory care when needed?
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Not sure if A, B, or C. They pay one monthly price for their independent living apartment, $6,100. If they move to another section, like assisted living or memory care, they pay the current price for those places. Memory care would be $7,600 per month for one person, plus possible additional charges. If approved, the LTC insurance would pay $216 per day, approx $6,480 per month. The lifetime max is $160,000.
The CCRC will not pick up any costs for anything, as far as I know, with the exception being that I have heard they will allow folks to stay there after their money runs out, and are on Medicaid, but I have not seen that in writing.
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Good luck with all this. It's tough stuff to deal with. We just lost MIL after 4+ years in a NH where we navigated getting her into a top notch facility even though she could only private pay for 2 years, the transition to Medicaid and ensuring quality care all along the way.
