Medicare

Family Resources



At Parkwood Retirement Community, we’ve found that many prospective residents involve their adult children or other loved ones in their retirement plans and their decision making – and we welcome that involvement!

The following Q&A is designed to help adult children be a resource to their parents – and show how Parkwood Retirement Community can be a resource for you – in this very important decision.

FREQUENTLY ASKED QUESTIONS

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Good question! There are a number of clues you might watch for, including…

  • Do your parents have “more house” than they need? Has the joy of home ownership become an expensive, physically challenging or time consuming burden?
  • Have you noticed that your parents are spending time on things they “have to do,” rather than things they “want to do?”
  • Are your parents isolated in their own home? Are they free to get out and explore – to pursue the activities they enjoy?
  • Do they have ready access to shopping, medical services, cultural and other activities, and transportation?
  • Are they located near friends and family who could help if needed? (We have observed that for many seniors, living in closer proximity to adult children or other loved ones is a key factor in making a move to Parkwood.)
  • Is meal preparation a chore, or a joy? (Do they routinely enjoy healthy, delicious meals, or are they “keeping things simple” to avoid the bother?)

Action Steps:

  • Start a conversation – as soon as possible. And recognize that the acceptance of the idea may need to grow over time.
  • Identify a few retirement communities that might be appropriate, and take some tours. (An important test: When taking the tours – do you immediately feel welcome and at-home? Parkwood Retirement Community is known for its family-like atmosphere. Please compare!)

There are many types of retirement communities – with a wide variety of fee structures. You and your loved one will want to choose the one that’s appropriate for them. (Parkwood Retirement can help advise and guide you and your loved ones on this.)

Parkwood, for example, is a rental community – which is similar to renting an apartment. Residents sign a 12-month lease to begin, after which they move to a month-to-month arrangement, with no long-term contract, and no up-front fees. Residents maintain control over their finances and their futures.

Many seniors find that with the sale of their home, along with the associated reduction of taxes, ongoing maintenance costs, etc., making a move to a retirement community is not only reasonable, it makes a lot of financial sense. We’ll be glad to help walk you and your loved ones through this process, and have very helpful guidelines that will help put the financial component into perspective.

You’re not alone! Some retirees find themselves overwhelmed by the prospect and process of moving. Downsizing, putting a home on the market, and planning a move can seem monumental – until you break them down into logical, manageable segments. We can help advise in this process.

By the way – as an adult child – you may be in a unique position to help your parents sort through their belongings in the downsizing process. This may involve helping to select items that should make the move, which should be kept in the family as heirlooms, and which items to toss, sell or give away.

One of the most important elements to look for in a retirement community is lifestyle. In times past, many senior adults were content to more or less park themselves and live out their lives. Not anymore! Today’s seniors have the opportunity to live their lives to the fullest. For example, at Parkwood this involves a “culture of wellness,” – to help promote life balance and independence for all residents. It’s a combination of programs and amenities that contribute directly to our residents’ quality of life, along with a culturally and intellectually engaging calendar of events. Take a look at our monthly calendar of events and ask for detailed information!

Most people, upon moving to a retirement community such as Parkwood Retirement Community, find themselves wishing they had made the move much sooner! Your parent or loved one can enjoy a carefree lifestyle, free to pursue the activities they want and enjoy – rather than their responsibilities. They can be near family, in a “just like family“ atmosphere of a caring staff and friends their own age, with similar interests – where there are always activities and events that provide physical, mental, emotional, and spiritual engagement.

Why wait? The sooner most seniors can begin enjoying their new lifestyle, the better!



Thank you for your interest in helping your parents or loved ones make this important decision. And please think of the Parkwood Retirement marketing team as a resource as you make your choices.

We look forward to having you and your parents as part of our extended family.

Glossary of Senior Living Terms

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Helping someone you love explore retirement community options often requires a little translation. This brief glossary will help you differentiate plans, services, and senior living options.

Most retirement communities require that residents have reached a given age before moving in. You’ll find 65+ is a common benchmark.

Assisted living communities typically provide services which allow the resident to maintain a degree of independence, while offering a helping hand with given tasks such as bathing, grooming, dressing, and taking medications.

CCRCs are senior living communities that provide multiple lifestyle options and choices, generally including independent living, assisted living, memory care, and skilled nursing residences or suites.

In an independent living community, residents are capable of living in a residence with or without assistance.

Life Care is a term often used to distinguish communities that offer lifestyles and care—for life, with virtually no additional increase to monthly fees, whether a resident is in a residence or a residential health services program including assisted living, memory care, or skilled nursing. By contrast, some CCRCs provide continuing care with a fee-for-service contract, requiring additional fees for living at higher levels of care.

Long-term care insurance is a type of insurance developed specifically to cover the cost of skilled nursing, assisted living, home health care, and other long-term care services. These services are usually not covered by traditional health insurance or Medicare.

The federal health insurance program called Medicare is designed for people who are 65 and older, certain younger people with disabilities, and people with End-Stage Renal Disease. Medicare Parts A, B, C, and D cover specific services and care.

Financed by state and federal governments, Medicaid is the program of medical assistance designed for those unable to afford regular medical service—available to fund care in a skilled nursing setting.

A specialized type of care, memory care is tailored specifically for the needs of individuals with Alzheimer’s, dementia, or other cognitive disorders.

Skilled nursing care facilities, commonly referred to as nursing homes or health centers, are licensed health care communities that are inspected and regulated by a state’s Department of Health Services. They offer long- and short-term care for individuals who need rehabilitation services or who suffer from serious or persistent health issues that are often too complicated to be tended to at home.

Services designed to help an individual recover from an injury, operation, stroke, or illness. These may include physical therapy, occupational therapy, speech therapy, and memory care. In most cases, services are planned to help the individual return as closely as possible to pre-challenge levels. The services may be residential (inpatient), or outpatient, and may be short- or long-term, depending on the needs of the person.

The term retirement community encompasses a wide scope of variations—several of which are covered here. Rental communities, continuing care, Life Care, assisted living, and skilled nursing care communities all fall within the spectrum, as do age-restricted communities of individually owned homes with common services and amenities.

Skilled nursing care communities offer daily nursing care, provided or supervised by licensed medical personnel.