Many families are now looking at Assisted Living facilities instead of nursing homes when considering where they want to place their loved one who they might not want to leave alone. These facilities are much different than nursing homes. Assisted living facilities, for example, offer their residents more flexibility in their schedules. They also offer more freedom for them. In contrast, most do not offer 24/7 medical supervision.

Making decisions on whether or not to place your loved one in an assisted living facility can be very emotional and stressful. There are several points you need to review with an attorney before making your decision. The first is the exact and complete cost of living for your loved one. Second, find out how the staff will accommodate changing health care needs and how often those needs will be assessed. Get all of your questions answered. There will probably be things you are not even aware of and having a professional legal opinion will help make this process much smoother. Pre-Paid Legal can give you and your family the peace of mind in order to make the best choices and decisions for your family.

The facility will have a contract for your loved one’s stay as a resident. Contracts with all their legalese can be very confusing and create a lot of unneeded stress. Its important that you understand ALL of the contract. The contract should be reviewed by an attorney in your state. If you are a Pre-Paid Legal Client, you will be able to get your contract reviewed as part of your monthly membership.

Three types of contracts exist for assisted living facilities: Extensive Contracts require a large monthly payment. However, this is a fixed payment and will not change for as long as your loved one is alive and in the facility. Its similar to a whole-life insurance policy where you pay a fixed amount for as long as you have the policy or until you die. Works the same way for the extensive contracts. . Modified Contracts are also based on a fixed monthly rate, but they expire after a specific time period. Same as a term-life insurance policy does. With term life insurance you pay a monthly premium for a speicific amount of time such as 10-20 years, then when the contract expires, you purchase another one usually at a much higher rate. This is the same for the modified contract, when the contract expires, your monthly payments will be much higher. Fee-For-Service Contracts you will pay for each service individually.

When a signed contract is in place, the assisted living facility will be required to uphold everything in the contract. In addition, all state laws must be followed regarding health and safety of your loved one. However, not all assisted living facilities are created equal and may disregard the law or even misinterpret it. Therefore, its essential that you have an attorney to help you when a problem or concern arises once your loved one is residing at the assisted living facility. Pre-Paid Legal can provide you with that assurance and peace.

Do you have a Pre-Paid Legal Plan? If not, why not? Protect yourself and your loved ones by getting a Pre-Paid Legal Membership Find some great information on how Pre-Paid Legal can help you at http://prepaidlegalinfo.net.

Tagged with: • • • •

Filed under: Law

Print This Post Print This Post

Like this post? Subscribe to my RSS feed and get loads more!