Today, we’re seeing a movement in the aging services field that will take the traditional nursing home from one that is organized to provide physical care to frail and impaired individuals to a model whose goal is more focused around offering the highest quality of life for residents. This is especially so as larger numbers of dependent elders in the future will need the services provided by nursing homes. The life expectancy for a man reaching age 65 today is, on average, 83 years old. A woman turning age 65 today can expect to live until age 85. Further, one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95*.
How will the future nursing home evolve to offer the highest quality of care to a growing population of seniors? We’re seeing a push toward resident-centered care and an effort to create smaller communities in which residents and staff would have continuity to move together. It means providing more privacy and flexibility for residents in terms of sleeping, eating, bathing and other basic preferences. Residents will also be able to continue making contributions to their communities, including having volunteering and tutoring opportunities. For the staff, it means a significant rethinking of roles and relationships in which the direct care staff has an increasingly more central role in directing that care, with a focus on the psychological and emotional needs of residents, including their many strengths.
K&B: Poised to address the changing needs of your insureds.
K&B Underwriters is well positioned and experienced to help nursing homes and other senior living facilities in their mission to elevate their standard of care through our DigniCARE insurance program and values-based risk management approach. We provide proactive support, tools and programs that put the wellbeing of the residents first and engage staff throughout the entire organization. This in turn helps facilities mitigate risk, stem losses, control costs, grow their bottom lines and build an environment that enables them to do what they do best: value the dignity of each and every individual and continue to deliver care in a compassionate manner.
Our comprehensive DigniCARE insurance program, offered exclusively through broker partners, includes: General Liability, Employee Benefits Liability; Sexual Misconduct; Commercial Property; Business Auto, Workers Compensation, and other key coverages. In addition, K&B provides DigniCARE insureds with the risk management services at no additional cost.
K&B Underwriters is at the forefront of creating innovative programs that protect against the myriad of exposures nursing homes face today and as they transform into the future to meet the needs and wishes of tomorrow’s residents.Please give us a call at 855.883.6306, complete the form on this page, or look at our territory map to locate an underwriter near you to find out more about the K&B difference and how to partner with us as a broker.
*Data from Social Security Administration