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Connecticut's independent living communities are for retired seniors who want to live more peacefully and have the freedom to create their own schedules. Connecticut’s independent living communities offer seniors the chance to stay involved and connected while having less to worry about. The residents are healthy and do not need any assistance unless they choose to take advantage of the services they provide. Whether it's a studio apartment, a small cottage and anything in between, independent living is quickly becoming one of the most popular long-term care options for seniors.
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Connecticut has 60 independent living communities with the average cost of $3,490 per month.
Connecticut independent living includes housekeeping services, transportation, fitness centers, and meal plans with your monthly payments. Comparing costs is a great place to start when looking for an independent senior living option. One of the key benefits to this care type is the range of amenities found in different communities. However, be aware that more amenities may come at an additional cost, but that can be a good thing depending on your lifestyle! Here are a few independent living costs found throughout Connecticut.
Connecticut has so many attractions for visitors and residents to see such as the home of Mark Twain, the home of Harriet Beecher Stowe, Gillette Caste State Park, Mystic Seaport, and more to behold. The Gillette Castle was the home of William Hooker Gillette, the actor who originally played Sherlock Holmes; his home has the appearance of a medieval fortress and amazing decorations inside. Mystic Seaport is a village that was recreated to envision how the seaport used to look like in the past, complete with a museum and quaint New England shops. Connecticut also has many zoos, gardens, museums and historical buildings that can provide a true appreciation of the state.
Connecticut has an average temperature of 52 degrees, a high temperature of 60 degrees, and a low temperature of 45 degrees. Winter temperatures are in the 30-40s with summer temperatures anywhere between 70 and 90 degrees. The spring and fall temperatures are between 40-70 degrees. The weather is rather moderate, though the coastal areas have warmer winters and cooler summers. Spring has the lowest humidity compared to the other seasons, and during the winter the state can accumulate 35 up to 45 inches of snow per year.
One of the original 13 colonies, Connecticut is the third smallest state in the nation in terms of area. Connecticut lacks a large metropolis city, instead featuring, inland river valleys mottled with small villages and towns. Independent and hard working, the people of Connecticut are typical New Englanders, including those who moved to the state from elsewhere. As a whole, Connecticut is fairly conservative so you many not find much in terms of the liberal arts, but it is a place where you can get a rare look into the United States and its origins through history.
All rules and regulations of Connecticut independent living communities are overseen by the Department of Public Health. These regulations ensure that all communities meet the appropriate health, safety, and medical conditions. These annual inspections are in place to ensure that any past or current violations undergo the proper corrective actions. If you believe that a violation has been made, you have the right to file formal complaints and bring it to the attention of the appropriate officials or administration.
There are programs and groups helping to lower the crime rates such as the Crime Prevention Unit, which is located in the city of Milford. The group holds seminars to discuss safety and crime prevention, along with offering services to those who need some security. The CPU organizes block watches and an annual safety day to promote crime prevention. A block watch is a program that brings neighbors together to fight against crime and to prevent it.
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Medicare does not cover independent living community’s costs since it is long-term care and Medicare typically only provides coverage for short-term care. Medicaid does not usually cover independent living either, so seniors without a decent income or assets may need to consider other options.
Veterans can apply for veteran’s benefits as a payment source for the independent living costs. A single veteran would receive $1,644 monthly, veteran couples would receive $1,949, and the surviving spouse would receive $1,056. Long-term care insurance is another option for seniors to receive money daily in order for them to receive and pay for care.
Supplemental Security Income (SSI) is an option for those who are blind or have a disability or have children, but must have little income and assets, be over 65 years of age, and a current U.S. citizen. Senior Living Line of Credit also provides a credit line up to $50,000 for families to borrow to help pay for senior care. Once approved, payments are sent directly to the independent living community in amounts no more than needed. This option allows a much more flexible system requiring little or no collateral.
Generally, most senior citizens will pay for their own senior care with their pension, selling off their assets, and their savings. Other seniors will rely on their families for assistance to pay for their care. There are plenty of options available, so don't feel like independent living is beyond your reach!
Residents of independent living communities in Connecticut retain their rights to personal privacy, to file official complaints, and most importantly to receive the care they need in a safe, welcoming environment. Just because someone enters an independent living community doesn't mean they waive their constitutional rights either! You still retain the ability to make decisions regarding your own medical care and finances. If there comes a point when you believe these rights and privileges have been violated, contact a lawyer versed in elder law as promptly as you can.
For assistance in learning about and exercising your rights, you can review the Connecticut Ombudsman for more details.
State and federal HIPAA laws require all resident records and medical reports of services provided on community grounds are recorded, maintained, and available to residents in a timely manner. If these documents are to be disclosed to a third party or other entity, you must be informed of this intention in order to authorize the process. This information can be very sensitive and is a private matter for many people, so never feel pressured to give away your medical records freely, especially without consent.