Senior Resources 2023-24 Housing Guide

2023/2024 Senior Housing Options Counties Served: Milwaukee Ozaukee Washington Waukesha Comprehensive Information On: • Helpful Information Senior Move Managers Care Coordination Home Care Medical Equipment Providers • Retirement Communities • Community Based Residential

Compliments of:

Facilities (Assisted Living) • Residential Care Apartment Complexes (Assisted Living) • Independent Senior Living • Subsidized Housing

Visit us online: www.seniorresourcesonline.com Senior Resources, Inc. • P.O. Box 285 Germantown, WI 53022-0285

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t aBle oF C ontents

S E N I O R

s enioR H ousing o ptions o veRview pg 62 R etiRement C ommunities pg 64 •Continuing Care Retirement Communities Description . . . .66 •Milwaukee County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .68 •Ozaukee County. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .74 •Washington County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .75 •Waukesha County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .76 C ommunity B ased R esidential F aCilities (a ssisted l iving ) pg 90 •Have We Reached The Peak? What Goes Up Must . . . . . . .3 •Introduction and Overview / Additional Copies . . . . . . . . . . . .4 •What is the Iris Program? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 •Informational Phone Numbers / Map of Greater Milwaukee . .6 •What is an ADRC? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 •Family Care & Family Care Partnership . . . . . . . . . . . . . . . .10 •Medicare Dual Eligible Special Needs Plan . . . . . . . . . . . . .12 •How To Pay For Long Term Care . . . . . . . . . . . . . . . . . . . . .14 •My Journey To Give Back To The Elderly . . . . . . . . . . . . . . .16 •Bereavement & Grief In Older Adults . . . . . . . . . . . . . . . . .17 •The Keys to a Successful Move . . . . . . . . . . . . . . . . . . . . . .18 •Senior Move Managers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 •Professional Care Managers . . . . . . . . . . . . . . . . . . . . . . .22 •Home Medical Equipment . . . . . . . . . . . . . . . . . . . . . . . . .26 •Home Health Agencies . . . . . . . . . . . . . . . . . . . . . . . . . . . .30 •Home Care / Non-Medical . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .40 •Milwaukee County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .94 •Ozaukee County. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .112 •Washington County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .115 •Waukesha County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .117 R esidential C aRe a paRtment C omplexes (a ssisted l iving ) pg 128 •Milwaukee County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .132 •Ozaukee County. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .139 •Washington County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .141 •Waukesha County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .143 s taying in y ouR H ome /H elpFul i nFoRmation

R E S O U R C E S

GARY KNIPPEN President info@seniorresources online.com

JOE LAUERMAN Production Coordinator jlauerman@wi.rr.com

Senior Resources, Inc. P.O. Box 285 Germantown, WI 53022 tel: (262)-253-0901 fax: (262)-253-0903 info@seniorresources online.com

SCAN TO VISIT

OUR WEBSITE!

Note: Every effort was made to verify the accuracy of the information contained in this directory. This infor mation is provided with the understanding that the con sumer will contact providers to obtain infor mation themselves prior to making a final decision regarding services. Advertisements do not con All rights reserved. The con tents of this publication may not be reproduced without written consent of the publisher. stitute endorsement by Senior Resources, Inc.

i ndependent s enioR H ousing pg 152

•Milwaukee County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .154 •Ozaukee County. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .167 •Washington County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .169 •Waukesha County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .171

s uBsidized H ousing pg 182

•Milwaukee County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .184 •Ozaukee County. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .197 •Washington County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .198 •Waukesha County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .199

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ing and then buying, trying to time the sale doesn’t really make sense, because if your home drops in value, so will the one you want to purchase. But, if you are planning on selling and then mov ing to an apartment or senior commu nity, selling at the highest price possi ble is an advantage as this money is critical so that you don’t outlive your funds. I believe the peak prices are here, now. I also am quite sure that when news comes out that prices are beginning to level out or even fall, many boomers will put their home on the market at the same time. This increase in inventory will further exacer bate the downward pricing of single H AvE W E R EAcHEd THE P EAK ? W HAT G OES U P M UST ….

family homes and condominiums. Senior apartments will then begin to fill up to the point where many communities that offer availability now will begin to reach the point waiting lists. You want to move to a senior community when you have the choices of view and location and not wait until you no longer have the luxury of choosing the location and view you want ed. When communities begin to fill up, apartment prices will then rise. Remember also that the money you receive from the sale of your home is mostly tax exempt from capital gains (sin gle persons are exempt from $250,000 in gain and up to $500,000 in gain for a couple). That makes the sale of your home even more important because what you will net will be tax free for most of you. Bruce Nemovitz is a Senior Real Estate Specialist and author of two books dealing with moving from one’s long-time home. He and his wife Jeanne have helped over 3000 seniors and their families for over 35 years in the 4-county Milwaukee Metro area.

nyone owning a home today is thrilled to see the incredible appreciation over the last 6 years. Just this year we have seen a 10% increase in home values in 2023 (first 6 months!) But as we all know too well, what goes up must come down. Not too long ago, interest rates were at all-time lows at 2.8% for a 30-year fixed rate. We are now approaching 7% for that same 30 year mortgage and that rate will continue to rise. Imagine you are try ing to buy your first home and not only rates have gone up, but home prices have skyrocketed. There is a breaking point where young buyers will back away from submitting an offer and wait for homes to become more affordable for their budget. Homes are still selling in a relatively short period of time which is about 7-14 days. We are still seeing multiple offers and over-asking offers, but they are begin ning to diminish. In real time, we are noticing a change. Buyers are pulling back a bit as to what they offer as well as waiting longer to sub mit their offers. If you are thinking of sell

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A N I NTROdUcTION ANd O vERvIEW Of THE d IREcTORY your current living arrange ment. There are a number of programs and services that are specifically designed to help older adults remain in their current living arrange ment. In this section we also offer helpful information on topics to consider when con templating a move. The second section of this directory looks at the various types of housing options available to older adults. This

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section looks strictly at those facilities that are designed for older adults. Each section begins with a narrative describ ing the type of housing option in that section, followed by a comprehensive listing of those options available in the four county area. Milwaukee county listings show the area of Milwaukee a facility is located in. Refer to the map on page 6 for a geographic breakdown of Milwaukee county. We hope this information is helpful to you. This directory will be updated and published annually. We would appreciate any comments or suggestions regarding this directory. Please call 262-253-0901. areas where we do not print a directory, please check out our comprehensive website of Services for Older Adults in the state of Wisconsin at www.seniorresourcesonline.com. senior Resources, inc. PO Box 285 Germantown, WI 53022 262-253-0901 info@seniorresourcesonline.com

elcome to the twenty second

edition of Senior Resources’ Senior Housing Options . This directory was developed to assist older adults and their fam ilies locate appropriate housing options for older adults in Milwaukee, Ozaukee, Washington, and Waukesha counties. As our population ages, the number and types of housing options available to older adults continues to increase. This directory was designed to make locating appropriate housing options a little bit easier. This directory is divided into two main sections. The first sec tion deals with remaining in professionals – Senior Resources’ directories are provided free to profession als. These directories can be given out to older adults and family members to assist them in locating appropriate services. If you are a professional working with older adults and need additional copies, please call or e-mail us and we will be happy to get you additional copies.

N EEd A ddITIONAL c OPIES ?

individuals –We do provide these directories to profes sionals to give out to the community. If you can’t find a copy or want a copy of any of our other directo ries, please call or e-mail us. We do ask for a $4 donation if possible to help cover our shipping costs.

If you are looking for Wisconsin based services in

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W HAT IS THE IRIS P ROGRAM ? IRIS Consultant Agencies Your IRIS consultant Agency can help you self-direct and handle the requirements of the IRIS pro gram. You will choose an IRIS consultant that will work with you one-on-one. Your IRIS con sultant will take time to get to know you and learn what is important to you. IRIS Fiscal Employer Agents Your IRIS fiscal employer agent can help do background checks on workers you hire, process payroll, and help with other employer tasks. Your fiscal employer agent also processes

RIS (Include, Respect, I Self direct) is Wisconsin’s self-directed long-term care program for older adults and people with disabilities who are eligible for Medicaid. IRIS is designed to help you live your life with the support you need. In IRIS you have many choices in deciding how you want things done. When you join IRIS, a bud get is established for you based on your long-term care needs and goals. However, you choose: • What goods, supports and ser vices you need; • When and where you want your supports provided; • Who will provide them; and • How you use your IRIS monthly budget effectively and wisely. All IRIS participants have a sup port and service plan. Your plan is based on your long-term care goals and how you want to achieve them, using your IRIS budget. When you build your plan, you’ll think about the things that will maintain or improve the quality of your life. IRIS has a broad set of services available to you. You will be responsible for man aging your IRIS budget, acting as an employer to workers you choose to hire and following IRIS program rules and policies. However, joining IRIS doesn’t mean doing things all by your self. You will have others to help you along the way. Every IRIS participant has an IRIS consultant Agency (IcA) and fiscal Employer Agent (fEA) to help support them in self-direc tion. How it works support from others

payments to other supports on your plan, like agency supports and other items you purchase to meet your goals.

where can i learn more about iRis, and how do i enroll?

If you are interested in learning more about IRIS or your other long term care options, you will need to contact your local Aging and disability Resource center (AdRc). AdRc representatives offer free, unbiased information about long term care options and resources in Wisconsin for older adults, people with disabilities, and their families.

To locate the AdRc in your county, visit: www.dhs.wisconsin.gov/adrc

Source: WI Department of Health Services website and IRIS Participant Handbook

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aging and disability Resource Centers

414-289-6995 262-238-8120 262-335-4497 262-548-7848

milwaukee

ozaukee

I NfORMATIONAL P HONE N UMBERS

washington waukesha

Aging and disability Resource centers are located in all coun ties. These offices provide information and services to the elderly. These offices are excel lent sources of information for the elderly.

title 19 Title 19, or medical assistance, is available to persons who are eligible for Supplemental Security Income (SSI) and to people age 65 or older who are medically needy individuals, who are below established poverty levels after deducting medical expenses. Wisconsin automatically places an individ ual on Title 19 if they receive SSI.

vices purchased for the indi vidual in the community.

414-289-6874 262-284-8120 262-335-4497 262-548-7848

milwaukee

ozaukee

washington waukesha

414-289-6874 262-284-8120 262-335-4497 262-548-7848

milwaukee

ozaukee

washington waukesha

alzheimer’s assistance Alzheimer's Association 800-272-3900 Alzheimer’s disease and Related dementias 800-438-4380 Benefit specialist Benefit Specialists assist older persons with their private and governmental benefits, such as private insurance or Medicare. Specialists are employed by each county aging unit to pro vide accurate and current infor mation regarding available ben efits.

nutrition Each county offers nutritional information and meal sites for seniors. Information is provided regarding nutritional programs available in local communities.

888-947-6583 888-446-1239 888-446-1239 888-446-1239

milwaukee

ozaukee

washington waukesha

844-614-5468 262-284-8120 262-335-4497 262-548-7848

milwaukee

ozaukee

washington waukesha

Family Care program family care is a program which assists persons in need of nurs ing home care but prefer the option of community based care. The programs include, case planning and assessment, and the administering of ser

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disability, low income housing, etc.

he place for information

WHAT IS AN AdRc?

and assistance! Aging and disability Resource centers (AdRcs) are the first place to go to get accurate, unbi ased information on all aspects of life related to aging or living with a disability. AdRcs are friendly, welcoming places where anyone - individuals, concerned families or friends, or professionals working with issues related to aging or dis abilities - can go for information tailored to their situation. The AdRc provides information on broad range of programs and ser vices, helps people understand the various long term care options available to them, helps people apply for programs and benefits, and serves as the access point for publicly-funded long term care. These services can be provided at the AdRc, via telephone, or through a home visit, whichever is more convenient to the individ ual seeking help. AdRcs are available in all Wisconsin counties. To find an AdRc go to http://www.dhs.wisconsin.gov /LTcare/adrc/index.htm information and assistance: • Information about local ser vices and resource • Assistance in finding ser vices to match your needs o Housekeeping and chore services o Health (healthy lifestyles, manage seRviCes pRovided By tHe adRC

access to Funding for long term Care: • The AdRc can determine if you will be eligible for public funding for your long term care. • The AdRc can explain the program choices you have that will provide your long term care. These programs include family care, IRIS and in some areas Partnership and PAcE. Health and wellness: • AdRc can connect you to wellness programs to help keep you healthy and inde pendent, such as Stepping On falls prevention, Living with chronic conditions and others.

o Assisted Living,

nursing homes and other long term care facilities o financial assistance linkages o Legal issues (guardianship, power of attorney, client rights advoca cy) o Abuse, neglect and financial exploita tion o Adaptive equipment choices you have when making decisions about where to live, what kind of help you need, where to receive that care and help, and how to pay for it. • One-on-one consultation to help you think through the pros and cons of the various options in light of your situation, values, resources and prefer ences. vide information and advocacy about govern ment and other benefits that you may be entitled to receive, such as Medicare, Medicaid, Social Security, • Benefit specialists pro

long term Care options Counseling: • Information about the

Wisconsin Assisted Living Association’s mission is to support providers in enhancing the best quality of life for residents in assisted living in Wisconsin through

advocacy, education, communication, and quality initiatives.

Benefit Counseling:

ment of chronic condi tions, dementia, etc) o Transportation o Nutrition, home deliv ered meals o Housing, including senior and low income housing

EWALA.ORG (608) 204-7446

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f AMILY c ARE ANd f AMILY c ARE P ARTNERSHIP support without pay. Natural Supports are the best way to reach your personal goals because they are relation ships built on trust, kindness and caring – that results in better quality care for you. Once your Natural Supports are in place, other services can be added if they support your personal goals. Family Care partnership Members of family care Partnership benefit from the same long-term care as family care, while also receiving all-inclusive health care from a network of physicians. Linking these services together makes family care Partnership both convenient and effec tive. Your care Team is not only involved in helping you meet your long-term care needs, but your health care needs as well. That makes your care Plan even more comprehensive.

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•Meet financial and func tionality requirements •Be eligible for Medicaid

amily care and family care Partnership are two pro grams that provide seniors and adults with disabilities with the long-term care supports they need to live independent ly. family care helps individu als like you live in your own home and in your community. family care Partnership does that too, while also providing and coordinating all-inclusive health care for members. Family Care family care provides long term care supports to meet your specific needs as deter mined by you and your care Team. Once enrolled, you’re assigned a dedicated care Team, including a registered nurse and care manager, who will work with you and your family to make sure you receive the care and support you need to reach your person al goals. The result is a care Plan, personalized to you, that is reviewed regularly by you and your care Team, and is adjusted as your needs change. care Plans begin with Natural Supports. Natural Supports are the people who are a part of your life and provide help and Here’s a quick description of each program.

To be eligible for family care Partnership, you must meet all of the family care require ments listed above, plus: •If you are eligible for Medicare, you must enroll in, and remain enrolled in, all parts of Medicare for which you are eligible (Part A, Part B, and/or Part d) Enrollment into the family care program is conducted through your county’s Aging and disability Resource center (AdRc). for more information about eligibility or to enroll, call your local AdRc below: milwaukee County aRC 414-289-6874 milwaukee County dRC 414-289-6660 ozaukee County adRC 262-238-8120 washington County adRC 262-335-4497 waukesha County adRC 262-548-7848

To be eligible for family care, you must:

•Be at least 18 years old •Live in a county where family care is offered

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For information on Senior Services in Wisconsin, visit our website www.seniorresourcesonline.com

My Choice Wisconsin provides government-funded programs to frail seniors, adults with disabilities, individuals, and families. We care for the whole person and well-being of all by o ering services that promote independence, value diversity, and inspire self-advocacy.

800-963-0035 TTY: 711 www.mychoicewi.org/sr

DHS Approved 10/15/2020

For information on long term care options, call your local Aging and Disability Resource Center.

Senior Resources, Inc. specializes in providing comprehensive information on service providers for older adults in the state of Wisconsin.

If you are a consumer or would like to reach a consumer, we have many options available via our catalogs and the world wide web.

Online: www.seniorresourcesonline.com • Email: info@seniorresourcesonline.com Mail: P.O. Box 285, Germantown, WI 53022 • Tel: 262-253-0901 • Fax: 262-253-0903

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“W HYWOULd I WANTA M EdIcARE d UAL E LIGIBLE S PEcIAL N EEdS P LAN If I ALREAdY HAvE M EdIcARE ?” This is a great way for you to save money on items such as cold and flu medicine, vita mins, incontinence products, and even toothpaste and skin lotion. With the My choice Wisconsin dual Advantage Plan, this benefit is $100 each month, and it rolls over until the end of the year if you do not use the full benefit each through a dSNP may be: • Monthly Over-the-Counter Allowance Original Medicare generally does not cover dental pro cedures—even basic proce dures, teeth cleanings, or x rays. With My choice Wisconsin Medicare dual Advantage, we offer $2,500 per year in dental benefits that can be used for porce lain crowns, dentures, x rays, oral exams, cleanings, etc. In addition to saving money, this is an important aspect of overall health often overlooked. month. This is a potential savings of $1,200 in a year! • Dental Benefits

here is a lot of confusion when it comes to dual Eligible Special Needs Plans (also called a dSNP). So why would you want a dSNP, like My choice Wisconsin’s dual Advantage Plan, if you already have Medicare? your medicare benefits do not change A common misunderstanding is that if a person signs up for a dSNP, it will affect the amount of Medicare coverage they are already receiving. This is not the case, as all dSNPs have the same coverage as Medicare. A dual Eligible Special Needs Plan is a type of Medicare Advantage plan specifically for people with Medicare and Medicaid. If you are enrolled in Medicare Parts A and Part B, or are becoming eligible for Medicare, you may choose to have your coverage directly through the government or from a Medicare Advantage plan. With a Medicare Advantage plan, you are still a Medicare member. The dual Eligible Special Needs plan becomes the payer of your Medicare benefits. Plus, it gives you access to more benefits than are available through Medicare. A dSNP has a provider network, so it is important to check that your providers are covered by the plan you are interested in joining. A dual Advantage Medicare Advisor can help with this. you get additional benefits with no additional cost Examples of extra benefits available

$150 each year for eyeglasses and contacts. This makes eye wear expenses not covered by Medicaid a bit more affordable and allows for upgrades to eye glass frames and tinting to lens es. There are even more benefits like meals after a hospital or facility dis charge, medical alert buttons, and installation of home safety devices. your services are under one roof By enrolling in a dSNP, Hospital, medical, and prescription drug costs are all covered in one plan with little or no cost to the mem bers. dSNPs are designed to help coordinate care. My choice Wisconsin includes care coordination as well. We can assist with things such as schedul ing appointments, finding doctors, and getting the most from your health coverage. You can learn if you are eligible by contacting My choice Wisconsin at 1-800-963-0035 (TTY 711) or www.mychoicewi.org. You may also contact a State Health Insurance Assistance (SHIP) advi sor or check the Medicare.gov Plan finder for more plans in your area. My Choice Wisconsin Medicare Dual Advantage is an HMO SNP with a Medicare contract. Enrollment in My Choice Wisconsin Medicare Dual Advantage depends on contract renewal.

• Vision Benefit

Our vision benefit covers

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my choice Medicare Dual Advantage

My Choice Wisconsin Medicare Dual Advantage (HMO) is a Medicare Advantage insurance plan for people with both Medicare and Medicaid. This plan includes benefits for total wellness like a $100 monthly allowance towards OTC products and a dental benefit that expands your access to care providers. To learn more, call a Medicare Advisor at…

800-963-0035 TTY: 711 www.mychoicewi.org/sr-ne We cover: $0 premium | $0 deductible Part A: Hospital Visits & Expenses Part B: Doctor Visits & Tests Part D: Prescription Drugs

Extra benefits that save you money:

Vision Coverage

After Hospitalization/ Nursing Facility Stay Meals

Over-the-Counter (OTC) Catalog

Dental Coverage

xxxxxxxxxxxxxxxxxx

My Choice Wisconsin Health Plan, Inc. complies with applicable Federal Civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800 963-0035 (TTY: 711). LUS CEEV: Yog tias koj hais lus Hmoob, cov kev pab txog lus, muaj kev pab dawb rau koj. Hu rau 1-800-963-0035 (TTY: 711). My Choice Wisconsin Medicare Dual Advantage is an HMO SNP (Special Needs Plan) with a Medicare contract and a contract with the Wisconsin Department of Health Services for the Medicaid Program. Enrollment in My Choice Wisconsin Medicare Dual Advantage depends on contract renewal. This is not a complete description of benefits and services. Visit us online or call 800-963-0035 and ask to speak with a Medicare Advisor for information on our 2022 Summary of Benefits.

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Or scan here...

Visit our newly redesigned website! www.SeniorResourcesonline.com

For information on Senior Services in Wisconsin, visit our website www.seniorresourcesonline.com 262-253-0901

info@seniorresourcesonline.com

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an insured to undergo under writing to qualify. Any agent you work with should be able to explain the differences or choose another agent. Lastly, one may qualify for gov ernment benefits if a qualifying veteran (or spouse of a veteran) or if he/she meets the income/asset test of family care (assisted living facilities) or Medicaid (skilled nursing facilities). To qualify for family care or Medicaid one generally must have $2,000.00 or less in countable assets and income less than the cost of care. Many facilities do not accept family care or Medicaid. furthermore, many accepting family care require a private pay period prior to allowing one to go on family care. It is very important that any plan implemented, to qualify one for family care or Medicaid, take into considera tion the care plan, all options available to pay for the care and a strategic plan to minimize taxes, legal, administrative expenses, and opportunities to prevent impoverishment in any or all of these goals. The finan cial, tax, legal, and care plans must all work together to maxi mize the results. W. Ryan Zenk, JD, CFP ® Elder Law Center of Wi, LLC 125 N. Executive Dr., Ste 210 Brookfield, WI 53005 262-812-6262 www.eldercarecenterofwisconsin.com

he cost of long term care is

HOW TO PAY fOR LONG TERM cARE

very expensive. It can range from hundreds to tens of thou sands of dollars per month. Many studies indicate the odds of a 65 years old needing long term care, at some point, is over 50%. So how can one pay for it? The answer is there are 3 ways to pay for long term care. first, one can pay with one’s own assets until either broke or deceased. Second, one can use long term care insurance if one was smart enough or fortunate enough to obtain such insur ance while he/she was insur able. Third, one may qualify for governmental assistance through the veteran’s Administration, family care or Medicaid. Let’s look at each option further. Private pay will require assets be liquidated (or already liquid i.e. cash) and a check written to caregivers typically on a month ly basis. The liquidation of assets such as IRAs or appreci ated assets may be a taxable event though typically the tax liability is completely or mostly offset by the medical deduction generated by spending on care costs. Paying privately will reduce and may eliminate any inheritance for family or chari ties. Worse yet, this may cause an individual to go broke while alive or a healthy spouse to become impoverished. Are there ways to prevent spousal impoverishment – Yes with proper planning this can be pre vented.

The second option, long term care insurance, has changed drastically over the past sev eral years. Many carriers no longer offer long term care insurance because the product was underpriced and carriers lost large sums of monies. It is still available from some carriers including newer options. One such option is a type of life insurance policy that pays a benefit if needed for care and pays a death ben efit if never or only partially used for care. One good thing about these policies is the insurance company does not keep the money, either the client receives monies for care expense or it goes to his/her beneficiaries as a death bene fit. These types of policies typically require prepayment of the premium over one to seven years. After this, no additional premiums are ever paid. Other policies (partner ship policies) allow an indi vidual to protect assets equal to the benefit of the policy. for example, a policy with $200,000.00 benefit allows the family to protect $200,000.00 of assets. Still others are the traditional annual pay policies with a set benefit. These are the traditional use it or lose it policies. All of these require

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For information on Senior Services in Wisconsin, visit our website www.seniorresourcesonline.com

Senior Resources, Inc. specializes in providing comprehensive information on service providers for older adults in the state of Wisconsin.

If you are a consumer or would like to reach a consumer, we have many options available via our catalogs and the world wide web.

Online: www.seniorresourcesonline.com • Email: info@seniorresourcesonline.com Mail: P.O. Box 285, Germantown, WI 53022 • Tel: 262-253-0901 • Fax: 262-253-0903

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I

M Y J OURNEY TO G IvE B AcK TO THE E LdERLY blessed memory, was assisted by an Ombudsman in another state. I am very grateful for all the meetings she attended, even when it was just to be a presence to show that my mother mattered. The Ombudsman was there to listen, support and to explain the federal laws, namely those laws that pertained to the rights of long-term care consumers. She was someone outside of the

n 2 022 I applied to become a volunteer Ombudsman to serve older adults living in long term care homes. I didn't know volunteer Ombudsmen and Ombudsmen existed until our family needed one. The word Ombudsman (Om-budz man) is Scandinavian. In North America this has come to mean “helper," advocate or “voice of the people." In Wisconsin, the Ombudsman Program is adminis tered by the State of Wisconsin Board on Aging and Long Term care (BOALTc), and advocacy services are provided at no cost. The mission of the Long Term care Ombudsman Program is to seek resolution of prob lems and advocate for the rights of clients with the goal of enhancing quality of life and quality of care. volunteer Ombudsmen are volun teers like me who work with resi dents and their family members to address concerns and complaints by providing support, education, and empowerment. volunteer Ombudsmen can assist residents by encouraging them to self-advocate or by providing a voice for those who cannot. A volunteer Ombudsman meets with designated nursing home staff after each visit to share resident’s comments and observations. With resident permission, a volunteer Ombudsman can report specific com plaints to the nursing home staff for resolution. A volunteer Ombudsman also provides updates and referrals to the Regional Ombudsmen who are full-time employees of BOALTc.

facility, rehab or hospital that could explain what we didn't understand, and give an honest, down to earth explanation of my mother's rights. An Ombudsman is someone who can be reached out to for assistance. Being a volunteer Ombudsman for the Board on Aging and Long Term care is a privilege for me and really does make a difference in the lives of the residents served, as well as myself. Anyone interested in applying to become a volunteer Ombudsman can call 1-800-815-0015 for more informa tion.

Article submitted by Ester Milchtein, Volunteer Ombudsman

for many years my dear mother, of

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B EREAvEMENT ANd G RIEf IN O LdER A dULTS enced by a minority of grievers and is characterized by persistence – often for years – of acute grief symptoms, including intense yearning or longing for and/or preoccupation with thoughts and memories of the deceased person, along with other symptoms such as identity disruption, a marked sense of disbelief, avoidance of reminders of the loss, and as a result of death, intense emotional

rief is a natural response experienced after a loss, usually the death of a loved one. Individual experiences of grief vary over time and are influenced, among others, by the nature of the loss, as well as cul tural and religious rituals. acute grief occurs in the early peri od -- generally considered as the first 6 months -- after bereavement, and usually dominates the bereaved per son’s life during this period. In acute grief, strong feelings of yearning, longing and sorrow, insistent thoughts and memories of the per son who died, emotional pain (including anxiety, anger, remorse, and/or guilt), and loneliness are common. accepting the finality and conse quences of the death, revising the internalized relationship with the deceased, re-envisioning the future such that there is a possibility for happiness in a world without the deceased, and the capacity for joy and satisfaction is restored in ongo ing life. When mourning is success ful, the painful and disruptive expe rience of acute grief is transformed into a form of grief termed integrated grief. Most acute grievers recover their pre-loss functioning and transi tion to integrated grief usually with in a year. prolonged grief disorder (pgd) is a treatable clinical condition that is per sistent and pervasive and interferes with functioning. PGd is experi mourning is a learning process of adapting to a loss. Adaptation entails

pain, difficulty engaging in ongoing life, emotional numbness, feeling life is meaningless, and/or intense loneli ness. PGd puts the grieving individ ual at risk for intense distress, poor physical health and quality of life, cognitive decline, shortened life expectancy, and suicide. despite this problem's magnitude, we cannot distinguish those with acute grief who successfully transition to integrated grief from those prone to develop PGd. It is unclear who with acute grief warrants early interven tion, what interventions are most effective, and when to initiate an intervention.

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T HE K EYS TOA S UccESSfUL M OvE where the furniture will be placed, as well as help plan for universal design if needed. Secondly, separate the items for family and friends. This can be a very emotional and difficult step, but can also be very rewarding as you decide which one of your family members or friends would treasure one of these items. Thirdly, separate through items that could possibly have value for an Estate Sale, Consignment or Resale Shop. Fourthly, decide on items that could be donated to a charity of your choice. Some moving companies may provide the service of delivering them to the charity for you. Lastly, make sure that your moving company has the name of a family member or close family friend that is assisting you throughout this entire transition. This person may be needed to be a liaison between the moving company, the facility and the family. They will be happy to coordinate the timelines with them so you have the reassur ance needed that you are making the right decisions. COORDINATION IS KEY: Now that you have a plan of action in place, you then need to coordinate all the dates and deadlines into a master schedule. Some moving companies that specialize in moving seniors even provide you with a Senior Move Manager that will help with all of these details. This type of specialist provides professional help with every aspect of downsizing, organizing, sorting, packing, unpacking and the timelines associated with them. Some companies even offer help with planning Estate Sales and have staff that are professionally trained to know the resale value of your items. Some firms also help clean up your home after you move out . When a company is a member of The National Association of Senior Move Managers,

this is a sign of their dedication and commitment to coordinating all aspects of senior moving. TURNKEY MOVING: Choose a mov ing company that is sensitive to your needs and allows you to customize their services to meet those needs. If per haps you do not have immediate family or friends to assist you, most senior moving companies provide a turnkey moving experience, which can be reas suring to out of town family members. Once your action plan is in place, your senior move manager will be able to make everything happen for you in a timely fashion. A company that special izes in Senior Moving and Transportation can help you make all the right decisions on how to downsize, making your transition into a retirement community a huge success. KEYS OF HAPPINESS: You will now have the time to enjoy all the amenities that your senior living community has to offer. Congratulate yourself for taking the time to properly plan and execute a plan that will make your retirement years an enjoyable experience. Downsizing has removed some of the clutter in your life, and gives you more time to enjoy day trips and outings with other friends in your new community. Don’t forget to pack your gifts of time and talents to bring along to the com munity. You are now are walking up to the front door of your new home, turn the key and find a new life waiting for you! The focus of Universal Services is to provide you with a turnkey moving experience. Our mission is patterned after the Golden Rule. “We treat every senior that we work with as if they were our relative, and value their per sonal property as if it was our own.” Simply put, “We’re in the Helping Business!” Providing service since 1996! ©Article Submitted by Migdalia Zanon Universal Services –Senior Moving Specialist

hroughout life, most of us have accumulated a huge ring of keys that have opened the doors of everything we have owned or cherished in life. If you are like most people, perhaps we don’t even remember what all those keys open up anymore. The thought of moving into a Senior Living Community might present to you the perfect key for retirement living, but the process of moving is still a huge undertaking. As a member of the National Association of Senior Move Managers, we understand the emotional and physical considera tions that seniors face when planning to move into a Senior Living Community. Members of this association provide seniors with a specialized service to that can be tailored to fits their needs. As you consider all of the options and amenities that Senior Living Communities have to offer, remember to take the time to also explore the process of downsizing and moving itself. A company specializing in Senior Moving can help you develop an overall timeline that will pinpoint some key dates that will help the moving process go very smoothly. You start this process with a “Downsizing and Moving Consultation”. Some companies may charge for this service, so ask before you invite them out to your home. This survey will generally last about an hour and should help you formulate a plan that will help you with your downsizing and moving needs. Working with a company that specializes in senior moving and trans portation will help build a trusting rela tionship that will ensure a successful move. THE KEY TO PROPER PLANNING: Planning is the key to a successful move. The Move- In Coordinator at the Community Living Center will provide you with a floor plan to assist your mov ing company with the space planning for your furniture. A company specializing in Senior Moving will then assign a Senior Move Manager to help guide you through all the key elements of downsiz ing, organizing, packing and space plan ning. The furniture space plan will help give you a visual perspective of

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U NIVERSAL T RANSPORTATION C ONSIGN w/US SPECIALIZING IN SENIOR MOVING AND TRANSPORTATION 25 YEARS OF MOVING EXPERIENCES!

SENIOR MOVING

CONSIGNMENT SERVICES

SENIOR TRANSPORTATION

• Complimentary Moving Consultation

• Consign w/US Resale Shop • Vintage & Antique Furniture • Mid Century Antiques • Artwork & Sculpture • Household Furniture & Accessories • Collectables and Memorabilia • EBAY or Craigslist Management • Estate Sales and Auction Services

• Weekly Grocery Shopping • Non Emergency Medical Transportation • Dinner Theater Outings • Miller Park or Sporting Events • Potawatomi Casino Trips • Tours to Museums & Domes • Fully Licensed & Insured • All buses are Wheel Chair accessible

• Senior Move Management • Complete Packing, Moving & Unpacking services • Downsizing and Organizing • Apartment Layout & Design • Temperature Controlled Storage • Member of National Association of Senior Move Managers • Fully Licensed & Insured • Liquidation & Cleanout Service • Dumpster Service • Weekly or Bi-Monthly Cleaning Service Universal Services 262-257-0250 www.universalserviceswi.com

CONSIGN w/US 414-397-5987 email: universalconsignment@gmail.com

Universal Transportation 262-257-0250 www.universalserviceswi.com

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S ENIOR M OvE M ANAGERS

A

Senior Move Manager is a professional who specializes in assisting older adults and their families with the emotion al and physical aspects of relo cation and/or aging in place. Senior move managers provide a multi-faceted approach to the move process: from space plan ning in the beginning to post move support and advocacy.

shopping, senior escort, assisting with selection of a realtor and helping prepare the home to be sold Some senior move managers provide these services directly; others function in more of an oversight or management role. Senior move managers have extensive, practical knowledge about the costs, quality and availability of various local community resources.

downsizing • customized floor plans • Arranging for the prof itable disposal of unwant ed items through auction, estate sale, buy-out, con signment, donation or a combination of the above • Interviewing, scheduling and overseeing movers • Arranging shipments and storage • Professional packing • Unpacking and setting up the new home • Related services, such as cleaning, waste removal,

Senior Move Manager Services • Although specific services

vary, most Senior Move Managers can help with

some or all of the following: • develop an overall move or age in place plan • Organizing, sorting and

Senior Move Managers

Caring Transitions of Eastern Wisconsin 877-935-4391 www.caringtransitionssheboygan.com 2017 N. 8th St. Sheboygan, 53081

Smart Moves 4305 S. 108th St. Green fi eld, 53228 414-526-5242

A Bridge Forward 414-731-1608 www.bridgeforwardmoving.com 5327 N. Diversey Blvd. Milwaukee, 53217

MKE Movers LLC

414-368-0000 www.mkemovers.com 12000 W. Silver Spring Dr. Milwaukee, 53225

See ad on page 21 www.smartmovesforseniors.com

A Gift of Time, LLC 8205 N. Poplar Dr. Milwaukee, 53132 414-510-9695 www.agiftoftime.net

Caring Transitions of Metro Milwaukee

Two Men and a Truck 414-220-0994 www.twomenmilwaukee.com 11800 W. Burleigh St., Ste 240 Wauwatosa, 53222

SEGUES, LLC

W142 N9764 Amber Dr. Germantown, 53022

414-269-4618 www.caringtransitions.com 2033 N. 122nd St. Wauwatosa, 53226

262-442-4200 See ad on page 21 www.segues.net

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Moving? Overwhelmed?

OUR PERSONALIZED SERVICES INCLUDED: • Organizing • Moving Arrangements • Floor Plan • Packing & Unpacking • Putting Everything Away • Clearing & Removal

Call for a free consultation and see why our client say, “I could not have done this without you!” We've helped hundreds of people make a smooth transition during one of the most stressful times in their lives. Let us take the worry out of your move!

262-442-4200 608-345-1942

Senior Move Specialists

www.segues.net

Senior Move Managers

When it’s time to begin a new chapter in life, Smart Moves will take care of the details of moving and/or downsizing and organizing, so you can focus on the details of living. A SERVICE FOR SENIORS IN TRANSITION * Packing * Room Layout * Unpacking * All of the details We bring compassion to the process while providing an insured and honest service for individuals and families. Estimates and consultations on our services are free.

Two Men and a Truck 262-695-2700 www.twomen.com 1291 Hickory St., Ste D Pewaukee, 53072 Universal Services 7446 Circle Dr. Lannon, 53046 262-257-0250 See ad on page 19 www.universalserviceswi.com

Serving Southeastern Wisconsin 414-526-5242 www.smartmovesforseniors.com info@smartmovesforseniors.com

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P ROfESSIONAL c ARE M ANAGERS BENEfITS Of cARE MANAGE MENT SERvIcES Benefits of using care manage ment services are many, and may include: • Personalized and compassion ate service, focusing on the client’s needs and preferences • 24/7 availability for urgent needs • continuity of care: coordina tion and communication with family members, medical and care providers, and legal/financial professionals • cost containment: the care manager’s knowledge and expertise can help you to avoid costly mistakes by carefully matching appropriate services to client’s needs. There are many agencies which provide care coordination or care Management. Those providers who are members of the Aging Life care Association (ALcA), formerly known as the National Association of Professional Geriatric care Managers (NAPGcM), meet strin gent criteria for professional edu cation, experience, and certifica tion, and adhere to ALcA Standards of Practice and code of Ethics. Additional information is available on the ALcA website, www.aginglifecare.org In selecting the agency you wish to work with, you may want to ask about the following: SELEcTING A cARE MANAGER

ment services? • What are their professional cre dentials and affiliations? Are they licensed or certified? If so, by who? • Are they members of the Aging Life care Association? • Is the agency a free-standing care management agency, part of a larger health care network, or one which also provides other services? • What are the referral relation ships they have with other ser vice providers? AGENcY STRUcTURE:

eriatric care Managers (GcM) or Aging Life care Managers (ALcM) are health and human ser vice specialists who provide guid ance, support, access to resources, and ongoing follow-up for older adults, adults with disabilities or chronic health care needs, and their families and support networks. care Managers come from a variety of professional backgrounds (social work, nursing, gerontology, among others), and have a specialized focus on issues related to aging, chronic disease management and disabili ties. The care manager is an experienced guide and resource for families and professionals. They have extensive knowledge about costs, quality, and availability of services in their com munity, and can connect you with the right service at the right time. care managers also assist clients in attaining their maximum functional potential and quality of life. SERvIcES PROvIdEd BY A PRO fESSIONAL cARE MANAGER: care managers provide personalized services, based on individual client circumstances. These services may include: • comprehensive assessments to identify problems or concerns, and provide solutions • Arrangement for qualified in home care or other needed assistance • Identification of living options which are consistent with client needs and preferences; reloca tion planning and implementa tion • Referral to qualified legal, finan cial, or medical specialists, based on a review of client cir cumstances and needs • Ongoing oversight, monitoring, and advocacy • Individual/family counseling and support • crisis intervention

fEE STRUcTURE:

• What are the rates and fee struc ture? • does the agency receive pay ments from other sources (e.g., placement or referral fees?)

STAff TRAINING ANd QUALI fIcATIONS:

Serving Southeast Wisconsin since 2013

• What is staff’s educational

background and work experi ence? How long have they been providing care manage

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