Long-Term Care Insurance - Choosing a Long-Term Care Facility

Let's suppose you have properly done all of yourposted written description of resident rights and
long-term care financing and planning. You haveresponsibilities?o Does the facility have a resident
either purchased long-term care insurance or havecouncil? (Review Council Minutes)o Are Hotline and
a bundle of money readily accessible to pay forarea nursing home ombudsman telephone
your long-term care needs. There won't be thenumbers posted?o Does the social worker appear
stress and strain of trying to liquidate property orto be a resident/family advocate?
stocks at a time where you may incur losses orActivities and Eventso Are residents involved in
pay a hefty tax bill.activities sponsored by the facility?o Are
With that said, it is now time to look for avolunteers involved in facility activities?o Is there a
long-term care facility. In order to help make anprivate place for residents to meet with family
educated decision of which facility is best, here isand friends?o Are there wide ranges of activities
checklist of questions you should ask yourselfthat interest residents?o Can residents choose to
when visiting the facilities. The checklist is brokenparticipate or not participate in facility activities?
down into different areas of importance regardingResident Roomso Are resident bedrooms clean
the facility and its amenities.and pleasant?o Can residents bring personal items
Costs and Payment Sourceso Is the facilityfrom home (i.e. - a rocking chair, pictures,
Medicare certified?o Is the facility Medicaidcomforter, etc.)o Is there a policy for changing
certified?o If Medicaid is going to be a possiblerooms?o Will the bed be held if a short hospital
source of payment, do you understand how tostay is needed or required?o Is there a charge
qualify and apply for Medicaid benefits?o If youfor holding the bed?o Can the resident wear his
don't understand, did you ask the Administrator?oher own clothes?o Does the facility provide
Does the facility accept private insurance?o Arelaundry services?o Can the family choose to do
you aware of what is included in cost of care,its family member's laundry?o If the facility
room and board?o Is there a list of separateprovides laundry services, are the resident's
charges?clothes marked so clothes are not lost or
Building and Groundso Is the facility wheelchairmisplaced?o Are rooms well ventilated and kept
accessible?o Are there grab bars in toilet andat a comfortable temperature?o Are toilet and
bathing facilities?o Are there handrails on bothbathing facilities accessible?
sides of the hallway?o Is the hallway wide enoughMeals and Nutritiono Does the food look and smell
for two wheelchairs to pass at the same time?oappetizing?o Does it taste good?o Is assistance
Is there a fire safety system and automaticprovided in eating, if needed?o Do meals served
emergency lighting?o Are there portable firematch the menu planned for the day?o Are there
extinguishers?o Are exit doors unobstructed andmeal substitutes offered to meet the residents'
unlocked from inside and easily accessible?o Arepreferences?o Are residents interacting with one
emergency evacuation plans posted in prominentanother at the dinner table?o Is a choice of
locations?o Is there a fire station available tosnacks available?
service this facility?o Is the facility as clean as youInspection Reportso Is the facility licensed by the
set your personal standards?o Is the facilityDepartment of Public Health?o Did you notice any
reasonably free of unpleasant odors?o Is thepattern in the Department of Public Health
facility well lighted?o Is the facility convenient forinspection report to suggest concern in
frequent visits from family and friends?o Is thecaregiving?o Does the State report show any
building licensed for the level of care being given?opatterns regarding concerns in staffing?o Does
Is there a wanderer monitoring system?the State report show any patterns regarding
Staff's Attitude and Staff Sizeo Is there qualityconcerns in ground maintenance?
resident and staff activity in the facility?o Is staffHealth and Happiness Checko Are residents and
courteous to residents and visitors?o Does thefamilies involved in developing their own care
staff respond quickly to calls for assistance fromplans?o Does the facility provide services for
residents?o Are residents well groomed? Do theyterminally ill?o Are residents able to use their own
appear to be happy?o Does the staff knockphysician?o Is there a resident assessment or
before entering a room?o Is there a Registeredcare plan designed to meet residents' needs?o
Nurse on duty during the day and a LicensedAre regularly scheduled care plan meetings being
Practical nurse on duty 24 hours a day?o Doesheld that actively involve the resident (if able) and
the staff know residents by name?o Does thefamily member or guardian?
Administrator have a current license?o Does itIf you haven't already purchased a long-term care
seem that the CNAs are familiar with the needsinsurance policy, seek the counsel of a specialist
of the residents they care for?trained in long-term care financing and planning
Tell - Tale Signso Do residents look to be(LTCP, CLTC). You will receive a free, no
functioning independently (or with some staffobligation quote with the costs and benefits
assistance as needed)?o Does the facility have aappropriate fro you and your family.