02/12/2025
Choosing assisted living for yourself or a loved one is a significant decision. A crucial step in this process is thoroughly understanding the resident agreement. This legally binding document outlines the rights, responsibilities, and expectations of both the resident and the community. Let’s explore the key elements you should carefully review before signing.
Money Matters (Costs and Fees)
The financial aspect of assisted living can be complex and varies considerably between communities. It’s essential to get a clear understanding of the costs involved. Here are the main points to consider:
- Monthly Fees: These typically cover basic services, including room and board, meals, and a certain level of care.
- Community or Entrance Fees: Many communities charge an upfront fee, which may be partially refundable in some cases.
- Fee Structure: Understand whether the community uses a tiered pricing model, all-inclusive pricing, or an à la carte system for services.
- Fee Increases: Inquire about the frequency and typical percentage of fee increases, and ensure this information is clearly stated in the contract.
It’s crucial to obtain a detailed breakdown of all costs, including what is covered in the base rate and what incurs additional charges. Don’t hesitate to ask for clarification on anything you don’t understand.
Services Provided
Assisted living communities offer a range of services to support residents’ daily lives. The contract should clearly outline the services provided:
- Hospitality Services: This includes meals, housekeeping, laundry, transportation, and recreational activities.
- Care Services: Assistance with activities of daily living (ADLs), such as bathing, dressing, and medication management, should be detailed.
- Levels of Care: If the community offers different care levels, the contract should explain how needs are assessed and how changes in care requirements affect costs.
Ensure that all promised services are explicitly stated in the agreement to avoid misunderstandings later. Verbal promises are not enough; get it in writing.
Discharge and Transfer Policies
Understanding the circumstances under which a resident may be asked to leave or transfer to a higher level of care is critical. The contract should address:
- Reasons for Involuntary Discharge: Common reasons include non-payment, behavioral issues, or care needs exceeding the community’s capabilities.
- Notice Period: How much advance notice will be given before a discharge or transfer?
- Appeal Process: What options do residents have to contest a discharge decision?
Grievance Procedures
A well-structured grievance process is essential for addressing concerns. Look for:
- Who to Contact: Identify the designated individual or department to whom complaints should be directed.
- Timeline: Understand the timeframe for responding to complaints.
- Escalation: Determine the steps for escalating a complaint if the initial response is unsatisfactory.
Other Important Considerations
Here are a few additional factors to keep in mind:
- Liability: Clarify the community’s liability in case of accidents or damage to personal property.
- Medical Decisions: Establish who is authorized to make medical decisions on behalf of the resident if they become incapacitated.
- Changes to the Contract: Determine under what circumstances the community can make changes to the contract and whether resident consent is required.
Read the Fine Print (Really!)
While it may be a lengthy document, thoroughly reading the entire resident agreement is crucial. If you have any questions or concerns, do not hesitate to ask the community staff for clarification or consult with an attorney. Understanding the contract provides peace of mind and protects your rights or the rights of your loved one as you embark on this new chapter. Knowledge is power!
Living the Best Life at The Forum
As you explore your options for assisted living, we encourage you to consider our award-winning community. Voted “Best Retirement Community” and “Best Senior Living Community” in Silicon Valley by Mercury News readers in both 2023 and 2024, The Forum offers exceptional services and amenities and gorgeous assisted living apartment homes.
