Kuenderera mberi Kuchengetedza Mhuri uye Kubhadhara

Kukwegura Pakugara Nokuramba Uchitarisira Kurega Mhuri

Pfungwa ye "kuchengetedza upenyu" inzvimbo inokura yekushungurudzwa kwevakabhadhara uye mhuri dzavo. Utano hwehupenyu hunoreva kuendeswa kwemashoko kune vakwegura zvinosanganisira dzimba, utano hwehutano, uye zvekugarisana. Kunyange zvazvo vanhu vazhinji vachiratidza chido che "kumira munzvimbo" kushandisa zvinyorwa izvi zvinokosha zvekuchengetedza hupenyu, kugara kumba haisi nguva dzose yakanakisisa. Ndicho chikonzero vazhinji vakasiya mari vachitsvaka rugare rwepfungwa kuziva kuti vanogona kurarama vachizvimiririra mumamiriro ezvinhu apo vacharamba vachiita mabasa ekuchengetedza zvinowanikwa zviri nyore mune ramangwana sezvo zvido zvavo zvingachinja.

Kuenderera mberi Kuchengetedza Retirement Communities (CCRC) yakagadzirirwa vashandi vekusununguka avo vanoda kusunungura mutoro wekushandura kwenzira yekufamba kubva kune imwe nzvimbo kuenda kune imwe sezvo zvido zvavo zvinoshanduka. Kuenderera mberi kwekuchengetedzeka kwekuchengetwa kwemisha kwakagadzirwa mukududzirwa mumakore achangopfuura pamwe nekuchinja kwekugara kwekugara. Zvizhinji zvechikumbiro ichi zvinoenderana nekuti CCRCs inopa hutano hwakasiyana-siyana huri mune imwe nzvimbo yakasarudzwa iyo inenge isingadi nzvimbo yekugadzirisa nzvimbo. CCRCs iri kusanganiswa kwekugara uye nzvimbo yekuchengetedza hupenyu hunoendeswa mune imwe sarudzo inopa "kuenderera kwekutarisira" kune vagari vemo.

Maitiro Anopfuurira Okutarisira

Kuenderera mberi Kuchengetedza Kubhadhara Mitambo inopa vashandirwi nehumba hwehupenyu uye kutanga kugona kune mabasa ekuchengeta. ICCRC inosanganiswa nevanhu vanozvimiririra vanogara, vachichengetedzwa, vanochengetedzwa kuchengetedza avo vanogara neAlzheimer's, dementia, kana zvimwe zvirwere zvekuziva, uye unyanzvi hwekuyamwisa.

Mhuri inobatsira uye musha unochengetedza zvikamu zveCCRC inowanzowanika kune vagari vese vari kuchinja kubva kune zvigaro zvekuzvimiririra uye havawanzowanika kune vamwe kunze kwenharaunda. Izvi zvinoreva kuti vagari vemo vanogara vachienda kuCCRC pavanenge vachiri noutano hwakanaka uye zvichizoshandura kune maitiro akasiyana ekutarisira sezvinodiwa zvavanoda.

Chimwe chezvikonzero zvinokonzera CCRCs zviri kukura mukuzivikanwa ndezvakawanda zvehutano hwavanopa. Izvi zvinowanzobatanidza utano hwehutano uye rubatsiro kana rubatsiro rwekubatsira. CCRCs inopawo vagari vane ruzivo rwekuchengetwa kwekuchengetedza, basa rekugarisana nevamwe, mabasa ekurasician, kuchengetwa kwechiremba, mishonga yemapurisa, PTs, OTs, uye mamwe marapirwo evanogara vanogona kuve nehosha shomanana kana chirwere chehutano chinopfuurira.

Heino mhedziso yekuenderera mberi kwekutarisira vagari veCCRC:

Mharaunda yehupenyu yakasununguka inonziwo nzvimbo yekusununguka. Zvigadziriswa zvekugara paCCRC zvakafanana nezvinowanikwa kune imwe nzvimbo yekusununguka kwemusha. CCRC zvisarudzo zvekuzvimiririra zvakasununguka zvinowanzobatanidza imba-style yekugara kana kusununguka-zvigaro zvekugara kana dzimba. Kune zvizhinji zvevanhu vanozvimiririra, zvigaro zvinosanganisira imba yebhumba, mabhuku, nzvimbo yevanhu, nzvimbo yefitness, kushambira, kana kunyange gorofu. Chii chinosiyanisa vanhu vanozvimiririra vanozvimiririra kubva kumakamuri ekuremba, vashandi vanoita basa rekusununguka kwevanhu vakuru, kana zvizvarwa zvakanyanya kune avo vanopfuura 55 uye kupfuura ndevhisi inowanikwa. Mharaunda yehupenyu yakasununguka inowanzobatanidza mamwe mabasa akadai sebasa rekudya, kuchengetedza imba, kutakura, uye zvekugarisana.

Mabasa ekuvaraidza uye mapurogiramu anorongerwa kufara uye hupenyu hwakanaka hwevagari vemo.

Misha inobatsirwe inofanirwa inofungidzirwa kuti haina nzvimbo dzekuchengetedza zvekurapa uye kazhinji haine dhizimisi yenguva yakazara panzvimbo yekugara. Zvisinei, ivo vanowanzopa maawa ekushanda kweawa pazvinenge zvichiitika. Nzvimbo dzekugara dzakabatsirana dzinopa huwandu hwakasiyana hwehutano hwemunhu hunoenzaniswa nekurarama. Vagari vanowanzogoverwa vashandi vakazvitsaurira kuti vauye kune zvavanoda zuva rega rega uye kubatsirana nemabasa akafanana akadai sekuchenesa, kuchenesa kwehutano, nekuchengetedza imba. Vagari vange vachiri kutarisirwa kuti vatsvake rubatsiro rurefu nemabasa anokosha ezuva nezuva akadai sekupfeka, kushamba, kana kutora mishonga. Upenyu hunobatsira hunodawo humwe hutano hwekuziva hunoita kuti munhu agone kushanda mumamiriro ezvinhu akazvimirira.

Misha yevanamukoti ndiyo zvipatara zvinopa ruzivo rwakakura kwazvo rwezvokurapa kune vakwegura kunze kwechipatara. Unyanzvi hwekurapa hunyanzvi hunowanikwa panzvimbo yeCCRCs kupa hutano kune vagari vachiwana kubva mumamiriro ekupedzisira. Nyanzvi dzinochengetedza vakwegura vane unyanzvi paCCRC dzakagadzirirwawo nevashandi vezvehutano vanogona uye nzvimbo dzekugara kuti vabatsire vagari vanoda humwe huripo huripo kana hunyanyisa hwekurapa kana kushandiswa kwenguva refu.

The Associated Costs

Kurarama muCCRC haisi yevanhu vose uye zvinodhura zvinogona kunge zvakakosha kubhadhara mari yevashandi vashoma. Chero rimwe reCCRC rinopa chirongwa chavo chekubhadhara uye mari inoshandura zvichienderana nenzvimbo, huwandu hwemhuri, uye huwandu hupi hupi hwakapiwa. Iko huru yekutanga mari inoshandiswa inowanzowanikwa mumutengo wokupinda. Zvizhinji zveCCRC zvine chekutanga "kutenga-in" mari iyo inowanzodikanwa nehutano humwe usati hwava kupinda. Mari yekupinda inotarisa zvikuru kubva pamadhora makumi matatu kusvika ku $ 1 mamiriyoni, uye zvinowanzopomerwa kumwedzi kubva kumadhora kusvika ku $ 4 500. Muzviitiko zvakawanda pane imwe nzira iripo inobvumira kubhadharwa kwekubhadhara kwechikamu chakazara kana chechikamu chemari yekupinda mukati mehumwe nguva.

Zvinhu Zvokufunga nezvazvo Paunenge Uchibhadhara Kuramba Uchitsvaga Retirement Community

Nzira dzakawanda dzehushuwarisi yehutano hahupi kupa reimbursement yemabasa ekubatsira anobatsira. Kunyange zvazvo Medicare kana Medicaid inogona kuvhara chikamu chemari yekugara muimba inotarisira vakwegura mune imwe mamiriro ezvinhu chaiwo, haingaputi zvose zvinodhura. Mari yekurarama muCCRC inogona kukanganisa mamwe marudzi ehurumende yechipatara yekuchengetedza kwenguva refu, kana iwe uchikodzera. Muzhinji, inshuwarisi yekuchengetedza kwenguva refu inogona kuvhara mari dzinobatanidzwa nezvinodiwa zvekurarama kana nzvimbo uye bhodhi.

Vazhinji vakasiya basa vanoshandisa mari kubva kutengeswa kwemusha kunobhadhara mari yekupinda. Mitemo yekuwana mitemo yekusunungurwa inoshandiswa kwekutengeswa kwekugara kwekutanga kunogona kubvisa chikamu chemari kubva pamitero. Asi sezvakangoita nekushandisa chero ipi zvayo yekurasikirwa yakadai se 401 (k) s , IRAs, mashizha kana mari pamwe chete , unofanira kubvunzurudza unyanzvi hwekuteresi kuti uone zvinogona kuwanikwa nemitero.

Pasi pane mitatu yekubhadhara purogiramu yakasarudzwa inowanzoshandiswa paCCRC:

1. Zvibvumirano zvakanyanya: Izvi ndizvo zvinowanzoenderana nezvibvumirano zvinodhura. Vanopa vagari vane ruzivo rwakakwana rwehutano hwakanaka uye rugare rwepfungwa kuziva kuti pachava nekusanyanya kana kusina kuwedzera mumwedzi unochengetedza mari.
2. Shanduko Dzakagadziriswa : Rudzi rwechibvumirano runopawo vagari kuwana rusununguko rwakakwana rwehutano hwehutano, asi vagari vanobhadhara kubatsirwa kwehutano pane zvinodiwa. Kugadziriswa zvibvumirano zvinobvumira mari yekugadzirisa kwegore negore kuwedzerwa kuvhara zvido zvehutano. Mune zviitiko zvakawanda hutano hwehutano hunoendeswa pahuwandu hwehutengo.
3. Mitero-ye-Service Mikataba : Aya mavhiringi anoda vagari kubhadhara mari yese yekutarisira zvakasiyana. Kunyange zvazvo izvi zvingava pakutanga kushandiswa kwekutengesa mari yakashata, munguva pfupi inogona kuguma ichinyanya kukosha kana uyo agere pakupedzisira ava nehutano hwakanyanya hwenheyo.

Nzira Yokuwana Nayo Kuchengetedza Kuchengetedza Retirement Community

CCRCs haisi malayisensi kana kuvimbiswa nedare rimwe rinodzora. Chirongwa chekubvumirana nekuenderera mberi kwekuchengetedzeka kwevanhu vanochengetedza basa chiripo. Komisheni yeKubvumira Kwekugadzirisa Matambudziko (CARF) inopa Kuenderera mberi Kwekuchengetedzwa Kwekuchengetedza Komiti, inozivikanwawo seC CARF-CCAC.

Kuwana hutano hwehutano hwakanaka munguva yekurega basa inowanzova chinhu chinokosha pakusarudza kugara muCCRC. Ndokusaka hazvishamisi kuti iwe unoda kutsvakurudza hutano hwekuchengetedza panzvimbo dzakasiyana. Kune CCRC ne Medicare-Certified healthcare centre, unogona kutanga kutsvaga kwako nekutsvaga kuongorora kweCCRC yeCMS pane webhusaiti yeMedare pasi pe "Nursing Home Compare".

Chimwe chinhu chinokosha chaunofanira kufunga ndechekuti nzvimbo yacho inobatsira kana kuti kwete-in-profitable institution, sezvo izvozvo zvingakanganisa maitiro ayo anopiwa. Kune dzakawanda matambudziko makuru ekufungisisa kuitira kuti urege kudzivirira musoro wepamusoro unogona kubuda nekusarudza chakaipa cheCCRC. Semuenzaniso, kana CCRC inosangana nematambudziko emari uye inomanikidzwa kupinda kubhadhara, vagari vangave vanogariswa sevasina kuchengetedza chikwereti uye vangangorasikirwa nemari inoshandiswa inopinda. Chimwe chiitiko chakaipisisa ndechokuti chivako chinogona kubudiswa kunze kwekudzingwa nemudzidzi mutsva anonyatsoshandura mabasa kune vagari. Paunenge uchiongorora CCRCs zvinokurudzirwa kuti ubvunze zvinyorwa zvezvemari zvakagadziriswa uye ushandise unyanzvi hwezvemari hwakafanana neCPA kuti uongorore magwaro iwayo. Izvi zvichakubatsira kuchengetedza ziso rakarinda kunze kwezvikwangwani zvitsvuku zvakadai semari inopfuura kudarika mari yekushandisa kana zvikwereti zvakanyanya kudarika zvinhu.

Mibvunzo Inokosha Yokubvunza

Sezvo nehupi hupi hunokosha huri hupenyu hwehupenyu husarudzo, iwe uchada kubvunza mibvunzo yakajeka panguva yekutsvaga. Heano mimwe mimwe mibvunzo inogona kuongororwa uyewo kukumbira vamiririri vekuenderera mberi kwekuchengetedza mabasa emhuri:

• Chii chiripo ikozvino kuwanikwa kwezvivako zvinobatsira uye misha yevanotarisira? Chii chinoitika kana vazara?
• Nharaunda yacho ine chibvumirano chekugadzirisa neCCRCs iri pedo here?
• ICCRC inowanikwa pedyo nevatapi vehutano hwepamusoro uye dzimwe nzvimbo dzinokosha here? Ive shamwari neshamwari iri pedyo here?
• Ko kudzidzisa uye ruzivo rwakawanda rwuri rwamashandi? Ndiko nhengo dzevashandi vari pasi pekuchecherwa kwemhosva kunotsvaga?
• Chii chinonzi chidimbu chevashandi-kune-murwere munzvimbo imwe neimwe yehupenyu?
• Ko CCRC inoita seyakachengetedzwa zvakanaka, yakachena, uye yakachengeteka here?
• Pane imwe nzvimbo yekuchengetedza chiyeuchidzo chekuyeuka here kana kuti iyo inzvimbo inopa maitiro ekutambura kwekuyeuka?
• Vari vagari vanoda kufambidzana vakapiwa mukana wekutora chikamu mukuita sarudzo sangano here?
• Iko tsika yeCCRC inopindirana neanogara here? Inzvimbo yakarongeka here, nehombodo jekete dzinodiwa muimba yekudyira, kana kuti mamiriro ezvinhu asingaiti?
• Ndiyo nzvimbo iyo isiri-ye-purogiramu yechikoro?
• Pane imwe mamiriro ezvinhu angangodaro aizotungamirira kune chivako kuti akumbire zororo rekugara iri munharaunda?

Kana iwe kana mudiwa uchifunga nezveCCRC, hapana "chiyero chimwe chete chinokodzera zvose" nzira yekuita sarudzo iyi inokosha. Ingoyeuka kuti zvakakosha kuita sarudzo iyo isingori yakabva pane zvido zvekurumidza zvekuchengeta. Iwe unofanirwa kuve wakabatanidzwa uye unofambisa nguva panguva yekutsvaga uchifunga nezvezvinoitika mune ramangwana rezvido zvekuchengetedza hupenyu. ICCRC yakakosha sarudzo iyo iwe unoda kuwana zvinhu zvakanaka pakutanga kunze kwechipiri kufungidzira chisarudzo chako panguva dzekupedzisira zvekurega basa.