Sonata Senior Living in Florida

Are you looking for a senior living solution in Florida which would allow you to transition from Independent Living, to Assisted Living or Memory Care, as needed?  Whether you are looking for a residence for yourself, your spouse or your parent, the nine Sonata Senior Living communities in Florida could be a good choice.  They provide a range of living arrangements, 24-hour care and high quality amenities, including a variety of fun and interesting activities.

Where are the Sonata Communities Located?

Below is a list of the various communities and the services they offer.  They are all located in Florida:

Sonata Viera in Melbourne - Assisted Living
Sonata West in Winter Garden - Independent Living & Assisted Living 
Serenades in Winter Garden - Assisted Living & Memory Care
Serenades in Longwood - Assisted Living & Memory Care
Serenades in The Villages - Assisted Living & Memory Care
Sonata South in Boca Raton - Assisted Living & Memory Care
Sonata South in Boynton Beach - Assisted Living & Memory Care
Sonata South in Coconut Creek - Assisted Living & Memory Care
Sonata South in Delray Beach - Assisted Living & Memory Care

As you can see, their communities offer memory care facilities on the same campus or nearby.  These facilities are arranged in home-like villages or neighborhoods designed to help people with dementia feel more comfortable.  Most residents begin their Sonata lifestyle in an independent or assisted living apartment.

Resort Style Florida Retirement

Sonata West is their newest community and will have both independent living and assisted
living facilities.   The management also emphasizes what a great value it is.  Compared to many other senior living facilities, it does appear to be an affordable option.

Unlike many Continuing Care Retirement Communities, Sonata does not require the residents to "buy in."  The monthly rental fee includes a private apartment with full-size appliances (including your own washer and dryer), cable TV and internet, regular housekeeping and linen services, flexible dining options (including continental breakfasts and a variety of options for lunch and dinner), weekend brunches, scheduled transportation and other amenities.  If you no longer drive, you can use their "At Your Service" chauffeur service to go shopping, to doctor visits or the theater.  They even have an activities director to help plan parties, entertainment, outings and special events for the residents.  This is not a boring, old-fashioned senior apartment complex or nursing home.

The Sonata Harmony Assisted Living residences are also rentals and include all of the services listed above, as well as a personalized care plan and a 24/7 staff, including trained nurses, whose goal is to encourage physical, emotional and spiritual wellness.  People who need a little extra help are sure to feel pampered in a Sonata Harmony community.

The Sonata Serenades Memory Care facilities are focused on helping residents feel as normal as possible.  They are designed in neighborhoods or villages with extra safety features and dementia certified caregivers and staff.  Their design elements were chosen to be soothing and safe, while giving residents some freedom to roam around the community, including the outdoor spaces.  They have open floor plans, color-coding (to help residents find their way around), and reduced glare lighting.  They also have special programs to keep the residents active, well, and able to enjoy the best quality of life possible.

All the facilities encourage socialization through the use of elements such as front porches, courtyards and multipurpose areas.

Estimated Cost of Florida Senior Living Facilities

In addition to being able to rent rather than buy into a Sonata Senior Living Community, there are other factors which may help you afford to live in one of these facilities.  The facility directors will be happy to discuss options with you.  The amount of your rent will be calculated on a base price plus the cost of your specific level of care.  Therefore, the exact monthly rental will vary from resident to resident.

While Sonata does not list their base rent on their website, another website, SeniorHomes.com, does give an estimate of what it costs to live in an independent living apartment in the state of Florida.  According to their estimates, prices range from $1,174 to $4,700, with the average cost of independent living being around $2,545 a month.  The average cost of assisted living in Florida is estimated at $2,877 a month.  The average cost of memory care is $3,817.  As stated above, your individual fees could be higher, depending on the amount of personal care you need and the quality of the facilities.  However, these averages will help you determine if you personally believe you are paying a fair price to live a Sonata community, especially considering all they have to offer.

Solutions to Help You Pay for Your Care

The primary way to cover your costs, of course, is your normal retirement income.  Social Security, pensions, and interest or dividends from your retirement savings should cover a portion of the cost, if not all of it.  With most of your expenses included in your monthly rental, you will not need a great deal of additional income above your rent.  Your only additional expenses would be the cost of your Medicare premium, medications, co-pays, deductibles, other insurance, auto expenses (if you still drive), incontinence products, haircuts and similar personal expenses, plus whatever you might want for gifts, travel, shopping and similar luxuries.  In addition, residents should be prepared for their monthly rent to rise an average of 4 to 6 percent each year.

If you are selling a home when you move in, the equity in your home could be invested or used to purchase an annuity, and that income can be added to your Social Security benefits and other sources of income to also help cover your monthly rent.

If you have a long-term care insurance policy, it may be used to help pay the extra cost of your memory care and assisted living services in the Serenades communities.

If you, or your spouse, is a veteran, you may qualify for a special long-term care benefit of $1,000 to $2,000 a month to help cover your costs, but only if you need assistance with dressing, undressing, bathing, toileting, transitioning, or eating.

If you have tapped all other sources of income and still need a little financial assistance from other family members, the money they contribute can sometimes be used as a deductible medical expense on their federal income taxes.  They would need to consult with the CPA who handles their taxes in order to confirm they can qualify for this deduction.  However, if it works out that they can take the deduction, it could make it a little easier for your adult children or other family members to help you out financially.

How to Get More Information

If you believe that you or a family member would benefit by living in one of the Sonata Senior Living Communities, you can get more information at:

https://sonataseniorliving.com

If you are interested in more information about where to retire in the United States or abroad, financial planning, Social Security, Medicare, common medical problems, travel and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional articles.

Watch for my book, Retirement Awareness: 10 Steps to a Comfortable Retirement, which will be published by Griffin Publishing in 2018.

You are reading from the blog:  http://www.baby-boomer-retirement.com

Photo credit: Photo of new Sonata West facility from the Sonata Facebook page

Family Responsibility Laws and Long-Term Care

Did you know that over half the states in the U.S. have family responsibility laws which could make you financially obligated for the nursing home bills of your parents?  Filial responsibility laws could also make your children legally responsible if you need to move into a skilled nursing or memory care facility.  Just as shocking to some people, if one of your children cares for you in their home, your other children could be forced to pay your caregiver child part of the cost of your care.

Which States Have Filial Responsibility Laws?

Family responsibility laws cover over half the people in the United States.  Below is a list of states which currently have filial responsibility laws on the books, although the laws may vary slightly from state to state and are unevenly enforced:

Alaska, Arkansas, California, Connecticut, Delaware, Georgia, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maryland, Massachusetts, Mississippi, Montana, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Utah, Vermont, Virginia, and West Virginia.

How to Protect Your Family from Filial Responsibility Laws

Fortunately, there are actions you can take to protect yourself and your family from becoming financially liable for nursing home bills incurred by you or your parents.  The most important thing you can do is to have a plan.  Below is a range of possible options.  You only need to choose one.

1.   Put aside money for your future care.  People who have sufficient savings, cash value in their life insurance, or home equity are usually in good shape to pay for their own long-term care, although they may have to borrow against their insurance or home. As a result, they will not pass on the burden for their care to their children.  For example, if your elderly parents have enough money, insurance, or home equity to pay for their care, you will not be responsible for covering the cost, unless they use up all their assets.  At the same time, if you have also accumulated enough savings, you will protect your children from being liable for your care.

2.  Buy long-term care insurance.  Another option is to buy long-term care insurance which will pay for skilled nursing care, memory care, or an in-home caregiver.  The younger you are when you purchase this insurance, the less expensive it is.  You must be able to pass a physical to get it, so it may be too late for some applicants.

3.  Move into a CCRC.  A CCRC is a Continuing Care Retirement Community.  Typically, a senior citizen sells their home to "buy in" to the CCRC.  In addition, they pay a monthly fee which covers their food, housing and normal care.  If they need extra care as they age, they either pay for the extra care when they need it, or the cost is taken from their original "buy in" fee.  The facility guarantees they will be taken care of for the remainder of their life.  If there is money left over from the "buy in" fee at the end of their life, a portion of it will be returned to the family.  In most cases, you must be able to live semi-independently and not need skilled nursing or memory care when you move into the CCRC.  However, you do not need to be in perfect health.  For example, in most cases you can be undergoing treatment for cancer or other illnesses, as long as you are able to walk on your own and live in your own apartment at the time you move into the facility.  This takes a little advanced planning.

4.  Confirm that you are qualified for Medicaid.  If you do not have equity in a home and very few assets, you may qualify to receive Medicaid, a government program which will cover your long-term care.  However, if using Medicaid is your plan, you should make sure you are eligible and that either you or someone in your family is prepared to complete the application as soon as you are admitted to a skilled nursing or memory care facility.  Medicaid is a common way of handling these expenses.  In fact, Medicaid (called MediCal in California) is the most common payer of nursing home expenses in the state of California, as well as many other states.  If the family does not complete the necessary forms in a timely way, however, the family can still be liable for any expenses incurred until they make sure the paperwork has been properly dealt with. Whoever completes the forms will need access to all your financial information, including tax returns and bank accounts, so they can prove that you are eligible.  There is a catch with using Medicaid ... if the patient has recently gifted too many assets to their heirs, they may not qualify until those assets are first used to cover the nursing home costs.

5.  Choose a family member who can care for you in their home.  This is something you need to decide in advance and everyone in the family should be in agreement about who will care for you, which relatives will relieve your caregiver periodically so they can get a break, and how your expenses will be covered while you stay in your family member's home.  It would be helpful to have a family meeting and write out the plan in advance.  It would also be helpful to have a back-up plan, such as Medicaid, in the event your care becomes too much for a family member to handle.  For example, my sister cares for our mother who has dementia.  Our mother has wandered off a few times and fallen on several occasions.  If it becomes impossible for my sister to keep our mother safe, we have all accepted that she may eventually have to move into a memory care facility.

However you decide to handle the long-term care expenses of your parent or yourself, it is important to have a plan so you do not trigger family responsibility laws and leave some other family member saddled with unexpected expenses.

If you would like an overview of retirement planning, watch for my book Retirement Awareness: 10 Steps to a Comfortable Retirement which will be released in 2018 by Griffin Publishing.

For more information on financial planning, where to live after retirement, Social Security, Medicare, common medical problems and more, use the tabs or pull-down menu at the top of the page to find links to hundreds of additional articles.

You are reading from the blog:  http://www.baby-boomer-retirement.com

Photo credit:  morguefile.com

Sources: 

"Filial Responsibility: Can the Legal Duty to Support Our Parents be Effectively Enforced?" by Shannon Frank Edelstone, American Bar Association's Family Law Quarterly, 36 Fam. L.Q. 501 (2002)

"Family-Responsibility Laws Could Cost Your Clients" by Jamie Hopkins, Barron's, April 24, 2017

Travel Scams to Avoid

One of the joys of retirement is the ability to travel whenever and wherever you want.  However, this freedom also exposes retirees to a wider variety of scams and fraud.  Anyone who is planning to travel during retirement needs to be aware of the most common types of travel scams.  We all need to learn how to minimize our risk and avoid becoming the victims of crooks, so we can truly enjoy our newly discovered freedom.

An article in the April, 2017 AARP Bulletin, titled "Vacationers are Easy Prey for Scammers," explained some of the types of scams which are common and could easily ruin the best planned vacation.  Below is a brief summary of these scams.

Hotel Scams

According to the article, hotels are full of scammers who are lurking around the lobby watching for potential victims.  One of their common tricks is to call your room after you check in, pretending to be the front desk, and ask you to repeat your credit card number and security code number over the phone.  They claim the clerk at the desk wrote it down wrong when you checked in. This is more likely to happen in small or boutique hotels, often in other countries. Do not fall for this trick.  In addition, be sure you use the room safe and interior deadbolt when you are in your room, and take advantage of any other security measures available at the hotel.  Be sure to look through the peep hole before opening the door.  If you are not expecting someone to be at your door and the person does not look like a hotel employee, call the front desk to confirm they are supposed to be there.

The Good Samaritan Scam

In this scenario, someone steals your wallet and then calls your cell phone to tell you they found your wallet and will mail it to your home.  As a result, you do not cancel your credit cards.  However, while you believe you were fortunate that such a good person found your wallet, they are actually crooks who are using your cards, knowing you will not close the accounts because you think the wallet is being mailed back to you.  While there are good people who will return your property if they find it, you would be well-advised to close the credit card accounts, anyway.  This is a good reason to bring only a few credit cards with you on a trip.  You should also make a copy of your cards, including the contact numbers for the card companies.  Keep the copies in a safe place, separate from your wallet.  It will make it much easier to close the accounts if your wallet is missing.

The Phony House Rental or B&B

If you decide to avoid hotels and stay in a rental home or quaint bed and breakfast, make sure you use a legitimate agency and check them out thoroughly.  Call the Better Business Bureau in the U.S. or the local tourist bureau in a foreign country.  Just because the company has a fancy website with gorgeous pictures of beautiful accommodations does not mean the place actually exists.  You could send in your deposit or payment, only to discover that the place does is not real.

Keep Your Distance from Strangers

There are more ways that you could become a victim while on vacation (or even in your own neighborhood). The helpful stranger who offers to retrieve a dropped purse or clean up a spill, may actually be trying to pick your pocket or steal your wallet.  Friendly people standing near an ATM could be looking for an opportunity to watch you input your PIN and, later, steal your debit card.

Someone offering to use your camera or cell phone to take your picture could actually be trying to steal the item.  This last crime makes me particularly sad.  I live near Laguna Beach, where I walk frequently.  I often offer to take photos of tourists who are struggling to get a selfie with their family.  While most locals may be genuinely kind and helpful, it is smart to keep up your guard and not let your cell phone or camera out of your sight.

Unsolicited Emails from Strangers

There are crime groups which send out thousands of emails every day containing special "offers."  They may offer to provide low-cost accommodations, help in obtaining an international driver's license, or other assistance for someone planning a trip.  Always investigate every company you use, especially if you have not used them before.  Sometimes they will have names which sound similar to legitimate companies.  Be very skeptical of unsolicited offers, no matter how good they sound.  In fact, if the deal sounds too-good-to-be-true, it probably is.

Be Careful How You Pay When You Travel

Whenever you are traveling, the least risky way to pay for gas, food and accommodations is with a credit card.  If you pay with a debit card, the money will be taken directly and instantaneously from your bank.  This means it could be more difficult to get your money back if you have been scammed.  If you write a check, they could cash it before you realize you have been scammed.  Be suspicious of any place which does not accept credit cards.

Be Careful, But Have Fun!

If you are cautious and suspicious of strangers and unknown companies, you are more likely to be able to relax and enjoy your vacation.  Just because we Baby Boomers are getting a little older, it does not mean we are easily fooled.  We have the ability to protect ourselves from the crooks who would like to ruin our vacations.

If you would like more information about scams affecting senior citizens, where to retire in the U.S. and abroad, financial planning, Social Security, Medicare and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional articles.

For an overview of retirement planning, watch for my book, Retirement Awareness: 10 Steps to a Comfortable Retirement, which is being published by Griffin Publishing in 2018.

You are reading from the blog:  http://www.baby-boomer-retirement.com

Photo credit:  Laguna Beach photo taken by author

Margaritaville Retirement Communities

Baby Boomers are putting a new twist on retirement.  One of their musical icons, Jimmy Buffett, is opening a creative type of retirement community, which will be named after his hit song, Margaritaville.  The new retirement communities will be designed to create the laid-back, casual lifestyle which many Baby Boomers desire.  These active adult communities are being built in conjunction with developer Minto Communities.  The first one will be opened in Daytona Beach, Florida, with the sales office opening in fall 2017 and will be named Latitude Margaritaville.  The second one will be built in Hilton Head, South Carolina and is scheduled to have its sales office opened in 2018.  If these are successful, more are likely to follow.

Features at Latitude Margaritaville

Many of the features in this $1 billion neighborhood will be similar to what Baby Boomers have come to expect in similar active adult communities in Florida and other retirement hotspots.  There will be approximately 7,000 homes.  Community amenities will include a spa, lap pools, fitness facilities, retail shops, a band shell for live outdoor entertainment, and a free shuttle to Margaritaville's own private beachfront club.

Residents will be allowed to drive their personal golf carts throughout the community.  This will be a convenient way for them to access some of the Margaritaville themed restaurants, including Cheeseburger in Paradise and the Five O'Clock Somewhere Bar ... the perfect places to look for that "lost shaker of salt."

The idea is to create a fun place to retire.  The developers hint that Jimmy Buffett himself may show up for an occasional concert.

Margaritaville Theme

The idea behind the community is based on Jimmy Buffett's song lyrics.  In case you are not familiar with the song, some of the lines which inspire the community are:

Nibblin' on sponge cake,
Watchin' the sun bake;
All of those tourists covered with oil.
Strummin' my six string on my front porch swing.

I blew out my flip flop,
Stepped on a pop top;
Cut my heel, had to cruise on back home.
But there's booze in the blender,
And soon it will render
That frozen concoction that helps me hang on.

Wasted away again in Margaritaville
Searchin' for my lost shaker of salt.
Some people claim that there's a woman to blame,
But I know, it's my own damn fault.

Home Choices in Latitude Margaritaville

If the song lyrics are not enough to inspire you to want to live there, residents can choose from two and three bedroom house plans which are priced from the low $200,000s to the mid-$300,000s.  All of the styles include dens and garages.  The community promotes their houses by describing them as "your new home in Paradise."

Buyers may want to ask if each home comes with a bottle of tequila and a free blender!  If not, be sure to bring your own along.  You'll fit in just fine.

For more information about Latitude Margaritaville, check out their website and watch a video at:

https://www.latitudemargaritaville.com/

If you are interested in learning more about other places to retire in the United States or overseas, financial planning, common medical issues, Social Security, Medicare and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional helpful articles.

Watch for my book, Retirement Awareness: 10 Steps to a Comfortable Retirement, which will be published by Griffin Publishing in 2018.

You are reading from the blog:  http://www.baby-boomer-retirement.com

Photo credit:  Margaritaville Twitter page.