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[quote=Anonymous][quote=Anonymous]Yes, absolutely there are people who can help. I would recommend hiring an unaffiliated (with any particular provider or setting) care navigator or care coordinator, who can give recommendations on when and where to start looking. (My fam is in NY using visiting nurses of NY otherwise I’d recommend a local one). But you can lay out all of these things.

The sooner the better, as the community dwelling spouse(s) must be able to live independently with supports. Then, depending on the type of contract, it may be possible to have people split up and pay for the additional memory care or AL costs. (There are some CCRCs that have a lifecare model, where it is all-in, and an individual pays more like $750k or 1 million at buy in and then pays a fixed monthly fee that only grows by inflation. This is a good option if you know that individuals need separate levels of care and have a fixed monthly income. Although $1m is a ton of money, you really need a financial advisor or elder care advisor to game out the costs for you—in my case it was by far the best option).

I would also look for a place that has no kick out policy if assets are exhausted, and potentially also one where the AL takes Medicaid. That would be important if there’s a chance they could run out of assets.

Finally, CCRCs right in DC and right outside are expensive, as the care and COL is high. I’ve looked outside of DC a bit (e.g., Howard county, Gaithersburg, etc) and there are very well-rated CCRCs that are significantly cheaper.  But they all have different payment structures—life care, 90%, 50%, etc—so have someone help you run the numbers. [/quote]

TY for your thoughtful, detailed response - this is very helpful. While they are in the Midwest, this is a good guide to understand the possible variables.

While MiL loves their new home, she also enjoys company and that may be why she raised the topic with me earlier in the week. They are no longer able to go out to dinner as they used to 2-3X/week and I think she would like to "go out," even if to the common DR, especially as FiL is less social.

Thanks again.

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