January 14, 2011

LENGTH-OF-STAY:
A 1999 survey done by the National Council For Assisted Living e stimates the average length of stay in an assisted living facility ranges from approximately 2.5 to 3 years.Residents who leave typically do so because they need to move to a nursing home for more care or because of death. A 2000 study found that, among those who moved to another setting, the need for more care was the most commonly cited reason for leaving

COST:

In most cases residents pay a regular monthly rent to include meals and housekeeping and the care services are added as extra cost as needed. In smaller facilities the entire cost includes room and board as well as care services. Some facilities provide levels of care based on need and charges are uniform for each level. For instance a level or grade 1 care might cost an additional $400.00 a month. A second level or grade 2 might cost $800.00 a month and so on.
A rule of thumb estimate is that assisted living costs about 60% of the cost of a nursing home. In many areas of the country this might price assisted living at about $2,400.00 a month. It should be noted that this would typically be the charge for newer apartment style complexes. So-called Board-and-Care homes which are typically individual residences converted to accommodate a small number of residents are going to be considerably less in cost. For example a board and care where two people are sharing the same room might cost about $1,000.00 a month.
There are also assisted living facilities that cater to people with money. These facilities would be more like living in a high-rise condominium but having in addition long-term care, housekeeping, meals, planned activities and transportation included in the package. Obviously facilities like this are going to cost a great deal of money.
A common and growing trend is for care providers to integrate care systems in one complex or in close proximity to each other. For example, a nursing home may have an assisted living wing along with an adult day center and an in house home health agency. These could be in the same building or in buildings on a common campus.
There are at least three advantages to this arrangement. One is, as the need for care progresses the care facility can retain a paying client by providing higher levels of care and not losing the client to a competitor. A second reason is that residents who have formed friendships or who have a spouse in one area of the care facility can maintain those relationships by moving to another area that is virtually in the same place. A third reason is that the care facility may have been chosen due to its proximity to the family. Keeping their loved one in the same place as the need for care escalates can be very valuable to the family.

WHO PAYS?

In 2002, Medicaid helped pay for services for approximately 11% of assisted living residents in 41 states. It should be noted that Medicaid typically only pays for care costs in assisted living and does not pay for room and board. Also a person receiving Medicaid can have no assets exceeding $2,000.00. As a percentage of the cost of total assisted living care the Medicaid portion would be considerably less than 11%. Based on care costs alone Medicaid might only pay about 5% of the total cost of assisted living.

Medicare does not pay for assisted living. About 75% of all costs are paid by residents out of personal funds or family assistance. SSI (supplemental security income) pays for 14% and 2% is covered by long-term care insurance. It should also be noted that the majority of SSI payments for assisted living are for specialized units for mentally retarded and developmentally disabled individuals. These units are maintained and staffed on behalf of state welfare programs. These would not be your typical apartment style assisted living complexes. This means that for the general public–excluding those on SSI welfare payments–more than 90% of the cost of assisted living is paid by individuals or families out of pocket.

Because the government participates little in the cost of assisted living for the non – SSI public, individuals anticipating a future need for assisted living would do well to consider the purchase of long-term care insurance. All modern comprehensive policies cover assisted living. You must, however, qualify for benefits under the policy. Some in assisted living may not need long-term care and until the need for care comes about the policy would not pay.

Insurance is certainly more cost-effective than paying out-of-pocket and may make assisted living a possible living arrangement where otherwise it would not have worked. Depending on your age, 20 years worth of premiums, as an example, might only cost 3% to 8% of the actual amount the insurance policy would pay for a 3 year stay. That’s a lot cheaper than paying 100% out-of-pocket.
Buying and paying for a policy before retirement might mean that assisted living would be an alternative with a retirement income that otherwise could not afford assisted living. For example, one could leverage a $3,000.00 per month assisted living cost with a $100.00 a month long term care insurance premium.

n ALF staff worker can tell you whether or not you or a loved one will qualify for assisted living. But you may be forced to choose a nursing home instead because the level of care that an ALF can offer is dictated by the licensing provisions of that particular facility. In the event that you are turned down for care by one ALF, it is very important to get evaluations from other facilities. Many ALFs have found ways to stretch eligibility and you shouldn’t give up after one try.
Below is a copy of a reprinted article from the Assisted Living Federation of America’s Assisted Living Today Magazine, copyright 1999, ALFA. This article is found on-line at

Retirement is a much discussed subject for visitors of Clark Pampanga. Yats Leisure Philippines has earmarked land for building homes for those who plan to retire in Clark Philippines.

As Manila becomes more congested and pollution becomes frustratingly intolerable, many families opt to spend a few quality nights and relax in this hotel in Angeles City Clark Pampanga. It is fair to say that YATS Clearwater Resort and Country Club is known for its faithful rendition of the American suburban lifestyle, all there for the enjoyment of all ages and all members of the family.

This resort hotel is different from other hotels in Clark Philippines or hotel in Angeles City. This Clark Freeport Hotel has large space for children to play and adults to enjoy some peace and quiet in the picnic grounds near the lake. Clark Philippines is lucky to have such a hotel. Travel agencies think it is also a nice event venue for company outings, wedding, team building and planning session in the Philippines. They don’t think Angeles City, Manila or Subic has event venues like those in this beach resort in Pampanga.

New camping sites and picnic grounds in Philippines are now available for family outings in Philippines at Yats Clearwater Resort & Country Club in Pampanga Angeles City near Manila Philippines. Just bring camping equipment and enjoy the fun and ambience of outdoor living camping in Angeles City Philippines under safe, secured and clean conditions.

This breakfast garden café is absolutely the most idyllic restaurant in Angeles City Clark Philippines. You named it right – Clearwater Breakfast Garden and Café. This is exactly what Clark Freeport needs, a nice simple bistro café where one can get good quality breakfast and enjoy the food in peace at leisure pace. This is the best hotel restaurant in Angeles City Clark Philippines and the eggs Benedict as well as American Breakfast and the pancakes are really world-class.

Traffic along the North Expressway NLEX from Manila to Clark is always light and the new Subic Tarlac Clark Expressway ScTex takes visitors straight into Clark Freeport without going through any towns and cities along the way.

For inquires and reservations, contact us here

Hotel Clark Philippines
Creekside Road corner of Centennial Road,
Central Business District, Clark Freeport Zone,
Pampanga, Philippines 2023

Tel: (045)599-5949 0917-520-4403 0922-870-5177

Manila Sales Office
3003C East Tower, Phil Stock Exchange Center,
Exchange Rd Ortigas Metro Manila, Philippines 1605
(632) 637-5019 0917-520-4393 Rea or Chay

http://www.HotelClarkPhilippines.com

Email: Info@HotelClarkPhilippines.com

Getting to this hotel in Clark Philippines
After entering Clark Freeport from Subic, Manila, Dau and Angeles City, proceed straight along Clark’s main highway MA Roxas, passing Clark’s largest wine shop called Clark Wine Center on your right, continue to bear right making no turns at all, go past Mimosa Leisure Estate on the opposite side of the road, you will hit a major intersection. Go straight and the road becomes Creekside Road. YATS Clearwater Resort and Country Club is on your right just 200m down. Traffic in Clark Philippines is light so it should be quite easy for get to this hotel in Clark Philippines.

YATS Leisure Philippines is a HK-based developer and operator of clubs, resorts and high-class restaurants and wine outlets http://www.YatsLeisure.com

To inquire with the beach resort hotel in Clark Pampanga visit http://www.ClearwaterPhililippines.com