Answering the hard questions
Let us help. Call 1-877-423-1225.
Frame the conversation in a positive way.
Your parents have been planners all their lives: planning their careers, their home, your education… this conversation should be a natural part of their approach to every important decision in life. Remind them that it’s important to talk about their plans for future health care now, before you’re facing a problem.
Most parents say, “I don’t want to be a burden to my children.” This conversation is all about ways they can lift that burden now—and make sure you all have more quality time for the years to come.
Expect them to say, “I’m not ready yet.”
Too often, being “ready” means after a fall, a hospitalization or some other event that signals trouble ahead. That’s why being ready means being prepared in advance.
That’s especially important if they want the lifelong security of Life Care with its protection from the rising cost of long-term care. Once they need Assisted Living or Skilled Nursing, they can no longer qualify for it.
If they say, “I don’t want to go to one of ‘those places.’”
They may have an outdated idea of what a retirement community is like. Bring them here to share a meal, take a tour and talk with our residents. Often, a reality check helps dispel their hesitations.
Ask about an overnight stay as our guest, where they can experience our community with no obligation. Call 1-804-264-6256.
If they say, “We can’t afford it.”
Look at their actual expenses today, living at home: maintenance and repairs, property taxes, insurance, food, utilities and other household expenses. Use our easy online cost-of-living calculator to do it. Compare their actual costs to everything included in our services and amenities package. Most families find that they can get more service and comfort here for the dollars they’re already spending.
If they’re worried about spending down their assets.
Remind them that various options with refunds are offered, so their assets are not spent down—they’re preserved for the family. Plus, a portion of the fees is deductible from Federal income tax. (Your financial advisor can advise you, and we can provide details.)
Remind them, too, that the fastest way to spend down a life savings is to wait until a heath crisis strikes, forcing you to pay prevailing rates for the care they need.
If the idea of moving just seems too daunting.
Reassure them that our move-in program gives them turnkey services for downsizing, packing, moving and unpacking. We do the work for them. Call 1-804-264-6256 for details.
Remember, we’re here to help. Call 1-804-264-6256.
Start the conversation with us before you speak to your parents. We can advise you on the most constructive ways to broach this sensitive subject and give you the facts, so you can have a meaningful dialogue.