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MorningStar Senior LivingMorningStar Senior Living
MorningStar Senior LivingMorningStar Senior Living
Speak to a senior living expert: 303.720.7814
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    • Find Your Community
    • In the Beginning
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SUCCESSFUL AGING

Assisted Living Care Services – A Holistic View of Health

At MorningStar, we define wellness as a comprehensive, holistic strength. Whether in clinical matters or life enrichment, we see wellness as a dynamic process of change and growth that optimizes every aspect of a resident’s life.

We look for creative solutions as we partner with you in pursuit of your highest goals for whole-person wellness. Our scope of clinical services is reflective of the full authority of our license through the Department of Health, extending the stay of residents even as health conditions change.

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Live Twice the Story

Because I know you, I am changed

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Care Levels

Care Levels are determined through a simple point system which takes into account the cost and time of providing each service such as, grooming, bathing, ambulation and medical assistance. The cumulative score determines the level of care, resulting in an individualized service plan that offers the right amount of help needed. Learn More.

Electronic Health Records

MorningStar is proud to set the pace within Senior Housing with our Electronic Health Record (EHR) system, a central, mobile solution for assessments, care planning, incident tracking, wound care, behavior management and eMARs (electronic medication administration records). With the heightened productivity of this point-of-care charting and clinical intelligence, we are free to devote more time to resident-centered care and activities.

Onsite Therapy Services

Through our partnership with EmpowerMe Wellness, we are committed to helping our residents maintain their highest level of independence for as long as possible. EmpowerMe Wellness is the preeminent leader in providing therapy services in senior living. Residents have on-site access to:
  • On-on-one, goal-based Physical, Occupational and Speech Therapy services
  • Wellness programs uniquely designed to improve the lives of our residents
  • Personal training
Whether our residents are working to improve their balance and strength, or to recover after surgery or illness, EmpowerMe’s team of compassionate clinicians are here to help them pursue their health and wellness goals from the comfort of the community they call home.

Respite Stays

Respite care is a short-term stay in a MorningStar community. It is recommended for seniors recovering from hospitalization or other health issues, affording an opportunity to experience community living. It can also be of benefit to a personal caregiver who needs a well-deserved vacation or a break from the responsibilities of caring for a senior.

Rounding Physicians

In most communities we have rounding physicians who offer residents wellness exams by appointment. These medical providers include MDs, PAs and ARNPs as well as specialists in dentistry, podiatry and wound care.

Home Health and Hospice

Home health agencies provide supportive services to meet medical (e.g., skilled nursing) and non-medical needs (e.g., 1:1 companionship) within an assisted living community. We are pleased to partner with local third party providers in this regard for our residents’ sake.

Hospice agencies give supportive and palliative care to those in the final phase of a terminal illness. Our Wellness Team collaborates with local hospice providers, who tenderly enable residents to be comfortable and free of pain so they can live each day as fully as possible.

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Education &
Inspiration for Seniors

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    World Kindness Day at MorningStar Senior Living

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 The Fair Housing Act protects people from adverse treatment in any housing transaction based upon seven protected classes: race, color, religion, sex, disability, familial status and national origin. In good faith, MorningStar engages in the interactive process to address reasonable accommodations.  If you have a physical or cognitive disability that requires reasonable accommodations or modifications, in good faith, MorningStar engages in the interactive process to address reasonable accommodations.
The ADA prohibits exclusion, segregation and unequal treatment in providing effective communication for people with hearing, vision or speech disabilities and other access requirements. In good faith, MorningStar is open to dialogue on any reasonable accommodations or modifications you may need.The ADA prohibits exclusion, segregation and unequal treatment in providing effective communication for people with hearing, vision or speech disabilities and other access requirements. In good faith, MorningStar is open to dialogue on any reasonable accommodations or modifications you may need.

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  • Move Made Easy
COMPANION LIVING

MorningStar offers Companion Living in all of our communities, where two unrelated people of the same sex share a suite, whether in independent living, assisted living or memory care.

Not only does this living arrangement enhance life by its camaraderie, it also extends savings.

REVERSE MORTGAGE

When one partner needs assisted living, and the other partner chooses to remain living in a private home, a reverse mortgage may be a good solution to help pay for increased expenses. Without affecting Medicare or Social Security benefits, reverse mortgages allow a homeowner to stay in the home and withdraw from the equity that the couple has built. Mortgage holders get tax-free cash flow as a loan against that equity, a loan that doesn’t need to be repaid until the house is sold or the owner moves out or dies.

Be sure to vet lenders and their terms thoroughly before making any decision. If you would like to be connected to a trusted, licensed reverse mortgage partner, call 888.228.4500.

SELLING THE HOME

The equity built up in a private home is typically a retiree’s largest asset, making the proceeds from selling extremely helpful when transitioning to a senior community. However, selling a home in a timely manner can be challenging and time-consuming. This is especially true when adult children are not living near to assist.

Many families find it helpful to work with a Real Estate Professional experienced with all aspects of selling a senior’s home. From packing and cleaning to listing and selling, ElderLife’s agents are ready to assist with the entire process to simplify a senior transition. To be connected with a local agent, call 888.228.4500.

SOCIAL SECURITY

Approach Social Security (SS) benefits tactically. Historically, it was wise to take SS benefits early and invest them. Today, that’s not necessarily so. Maximized benefits may best be found through delayed retirement credits. Depending on your birth year, benefits increase by 3-8% annually. If you wait until age 70 to collect, that monthly check could increase by 25% or more. And a surviving spouse receives the entirety of that benefit upon the worker’s death, making delayed retirement credits even more valuable. Study the new rules to choose your best course.
Click here for original source info.

MEDICARE

Think of Medicare as health insurance for those 65 years and older, regardless of income. While Medicare never pays for assisted living, it is designed to help fund certain postacute expenses in the first 100 days, namely hospitalization and rehab, as long as the person’s health is improving.
Once you’ve plateaued, Medicare stops paying.

Benefits may be available for home health care, but only if certain conditions are met. Medicare Part A covers hospice (palliative care) for the actively dying, regardless of income, including in a senior living community. Click here for original source info.

In contrast, Medicaid is a federal government program that subsidizes the medical expenses (including certain health services and nursing home care) for low income people of all ages. MorningStar does not accept Medicaid. Click here for more information.

LEVERAGE LIFE INSURANCE POLICIES

Whole life and universal life policies build a reserve of cash through interest-earning excess premiums (known as the policy’s “cash value”). In some situations, life insurance can be a source of ready funds through cash surrender, death benefit loans, accelerating death benefits, life (or viatical) settlements, or even selling the policy on the open market for immediate cash.

Before acting on any of these methods, consult a financial advisor, as there may be tax consequences. Life Care Funding can also help you determine whether a policy can be converted. Click Here

TAX BENEFITS

The IRS allows certain deductions on a federal tax return for the cost of housing and meals of those receiving long-term care in a senior community due to chronic illness or the inability to live alone.

Assisted living residents may qualify for these deductions if a physician certifies that they have been unable to perform at least two activities of daily living (such as eating, bathing or dressing) without assistance for at least 90 days. The same deductions can apply to those who require substantial supervision due to memory impairment.

An adult child paying for a parent’s care may also qualify for the tax deductions, if the child can claim the parent as a dependent. Consult a tax advisor for further information or visit the Internal Revenue Service (IRS) Click Here.

LONG-TERM CARE INSURANCE

Long-term care insurance helps pay for senior care and protect personal assets by covering expenses up to the amounts set forth in the policy. LTC insurance pays for a variety of services in senior communities, and can offer care options that may not be covered through the federal subsidies of Medicare and Medicaid (see below section).

LTC policies can be complex and it may be difficult to understand and activate your policy. If you have questions about your Long-term Care policy, call 888.228.4500 to be connected with an expert for a free policy review.

BRIDGE LOANS

It’s not uncommon for families to be short on funds when transitioning a loved one into a senior community. The ElderLife Bridge Loan allows you to pay for rent and care in the short term while waiting for other funds to come in. Common financial shortfalls include the time that it takes to list and sell a home, or the waiting period before receiving VA Benefits.

The Bridge Loan is designed like a line of credit, bridging the financial shortfall for up to 12 months. The loan is unsecured (no collateral needed) and approved quickly with no penalty for early payoff and affordable interest payments as low as $8 per $1000 borrowed.

To learn more about the ElderLife Bridge Loan, call 888.228.4500 or Click Here.

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