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Category Archives: Independent Living Facility

Monitoring Alcohol and Medication Abuse in Seniors

Monitoring Alcohol and Medication Abuse in SeniorsSpotting substance or medication abuse in seniors can be difficult, even within the most alert assisted living facilities. While most don’t typically consider seniors to be common offenders, understanding patients’ medication and alcohol tendencies are critical to their care and health. To reduce Independent Living Facility Liability, it is important to become familiar with the signs of abuse in order to ensure the patients’ well-being.

In a recent study conducted by the Mayo Clinic, they reported that 40% of adults aged 65 and older reported..


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Senior Living Insurance: Age Stereotypes & Self-Fulfilling Prophecies

Senior Living Insurance Age Stereotypes & Self-Fulfilling PropheciesSenior Living Insurance: Age Stereotypes & Self-Fulfilling Prophecies

The detrimental effects of ageism are particularly poignant in senior living homes. It can affect the quality of life, care and interactions with staff and family members. But research also indicates that it can affect seniors’ views of themselves.

Seniors face significant bias. While ageist stereotypes are influenced by several factors, many older adults are viewed as less competent. Older people are also consistently grouped with disabled and developmentally disabled individuals.

There are two issues with these ageist stereotypes...


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Senior Living Insurance: Issues in Senior Living

Senior Living Insurance Issues in Senior LivingSenior Living Insurance: Issues in Senior Living

In a trend expected to continue over the next few decades, Americans are getting older and living longer. The senior living industry will be hit hard with the increasing elder population. Here are a few of the issues and trends they will see.

Census Bureau projections anticipate that the over sixty-five age group will increase by nearly five million to almost 40 million. Even more astounding, it is expected to double to 70 million by 2030. The over 85 age..


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Senior Living Insurance: Living Longer With More Disabilities

Senior Living Insurance Living Longer With More DisabilitiesSenior Living Insurance: Living Longer With More Disabilities

Americans are living longer with every decade. This is great news right? More golden years of retirement? While a longer life span can be a great gift, it also comes with increased health complications that can inhibit older adults’ independence in their last years of life.

The average life expectancy for Americans has risen from 75.2 years in 1990 to 78.2 years in 2010. Most of the gain in U.S. life expectancy was attributed to a better management..


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Nursing Home Insurance: Avoiding Unnecessary Hospitalizations

Nursing Home Insurance Avoiding Unnecessary HospitalizationsNursing Home Insurance: Avoiding Unnecessary Hospitalizations

Hospitalizing nursing homes residents can cause anxiety, discomfort and excess healthcare costs that have a detrimental effect on not only the patient but their loved ones. And it isn’t always necessary. One study published in the Journal of the American Geriatrics Society found that 67% of hospitalizations were rated as potentially avoidable in the study.

Taking a proactive stance to prevent unnecessary hospitalization could achieve a better quality of care for nursing home residents overall. Below is a..


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Assisted Living Part II: Determining the Level of Residents Care

Assisted Living Part II Determining the Level of Residents CareAssisted Living Part II: Determining the Level of Residents Care

Last week we discussed the role of assisted living homes in providing care for seniors. They are a great option between the autonomy of independent homes and the more intensive care typically seen in assisted living homes. But balancing that middle line can lead to some gray areas in terms of regulation, leading assisted living facilities to make some judgment calls when it comes to determining the type of care they..


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Assisted Living Part I: Critical Issues of Assisted Living Facilities

Assisted Living Part I Critical Issues of Assisted Living FacilitiesAssisted Living Part I: Critical Issues of Assisted Living Facilities

The senior living industry has exploded. Where there used to be only a few options of care available, the senior housing industry now offers every level of care to seniors from home care and independent living facilities to nursing homes and hospice. With the variety of options available, seniors are able to find the housing option that best fits their needs and provides the greatest amount of autonomy. However, with that come increased..


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End-of-Life Care Part I: The Importance of Language

End-of-Life-Care Part I The Importance of LanguageEnd-of-Life Care Part I: The Importance of Language

End-of-life care often unwittingly conflicts with the goal of physicians to save lives. Technology, medical advances and treatments are meant to improve survival and function. It is understandable that medical professionals want to do everything possible to save their patients- it is also understandable and admirable that it can be personally difficult to acknowledge when treatment is no longer needed.

End-of-life care plans are the next step- they ease the transition for the patient, their loved ones, and provide..


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Senior Living Communities: Multiple Diagnoses

Senior Living Communities Multiple DiagnosesSenior Living Communities: Multiple Diagnoses

Over 700,000 people live in assisted-living centers. The mid-way point between independent living residences and nursing homes, residents choose assisted living centers when they need help with daily activities but not the broad range of medical services of a medical nursing home. More than half of assisted living residents are 85 or older, and the population is growing. The three most common chronic ailments in assisted living facilities are Alzheimer’s disease, high blood pressure and heart disease- it is estimated that 82 percent..


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Senior Living Insurance: Is this Ageism?

Senior Living Insurance Is this Ageism

Senior Living Insurance: Is this Ageism?

Clint Eastwood’s ad-libbed speech to an empty chair at the Republican National Convention still generates jokes. “#Eastwooding” remains a popular hashtag on Twitter, the most recent tweet being sent out early this morning.

The responses to Eastwood’s speech have become something of a pop culture joke that lingers today. The speech was slammed for its long-winded, ambling nature and the overall strangeness of speaking to an empty chair. However, it also drew comments directly..


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Kbunderwriters
  • "K&B has a model that backs up their binders with services that help providers care for residents. They understand the business, including the challenge of reimbursement reductions enabling them to engage best-in-class service providers… This level of knowledge and responsiveness really helps agents ‘brand’ themselves.... "

    Erik Halvorsen
    Peachtree Special Risk Brokers

  • "Thank you K&B for your DigniCARE product. Our firm works with a variety of senior living facilities and we consider the DigniCARE Program to be one of the best in the industry. Your team delivers professional and friendly service to your policyholders and your agency partners. You are a rock... "

    Pam Muzzilla
    McGowan Private Client Group

  • "The staff at K&B understood everything. In fact, I almost felt that they knew what I needed before I asked. K&B got things accomplished in such a short time frame! We sent a new submission on a large account and got quotes back in less than 8 days! I wouldn’t... "

    Vickie Fortner
    Bowersox Insurance Agency

  • "I could have gone to the same carrier through a different broker, but I liked the staff at K&B and liked working with them. K&B wanted the business, were aggressive, and turned it around very quickly. I am very pleased with the work... "

    Robin Walker
    Expert Underwriters, Inc

  • "We rely on the experience of K&B that we may not get by going straight to the company. I believe this relationship is an important and necessary one in dealing with the insurance underwriters. Actually, K&B was the only brokerage we went through. It was all or nothing! Our deadlines... "

    Barry Layman
    The Colony Group, CIC

  • "The staff at K&B was instrumental in helping me! I had a policy that needed to be written at the 11th hour and with your staff at K&B, we wrote the policy. We have other policies coming up in the future and K&B is the trustworthy choice for us.... "

    Mark Kuhr
    Talbot/Hub Agency

  • "It’s the staff at K&B that I want to work with – you’re the ones who know what you’re doing!! K&B is straightforward in working with me and can tell me ‘yes’ or ‘no’ to my questions right away, which is great and what I need! The flow with K&B... "

    Mike Kram
    MD Kram Insurance Brokerage

  • "Your staff is persistent. Since I’m persistent too, I like that! K&B’s service is great because of the small things. A big thing we contend with is having an underwriter simply pick up the phone to take a call from us. Your staff will do that and it means a... "

    Sean Crayton
    Nixon & Lindstrom Insurance

 
Kbunderwriters
Kbunderwriters
  • "K&B has a model that backs up their binders with services that help providers care for residents. They understand the business, including the challenge of reimbursement reductions enabling them to engage best-in-class service providers… This level of knowledge and responsiveness really helps agents ‘brand’ themselves.... "

    Erik Halvorsen
    Peachtree Special Risk Brokers

  • "Thank you K&B for your DigniCARE product. Our firm works with a variety of senior living facilities and we consider the DigniCARE Program to be one of the best in the industry. Your team delivers professional and friendly service to your policyholders and your agency partners. You are a rock... "

    Pam Muzzilla
    McGowan Private Client Group

  • "The staff at K&B understood everything. In fact, I almost felt that they knew what I needed before I asked. K&B got things accomplished in such a short time frame! We sent a new submission on a large account and got quotes back in less than 8 days! I wouldn’t... "

    Vickie Fortner
    Bowersox Insurance Agency

  • "I could have gone to the same carrier through a different broker, but I liked the staff at K&B and liked working with them. K&B wanted the business, were aggressive, and turned it around very quickly. I am very pleased with the work... "

    Robin Walker
    Expert Underwriters, Inc

  • "We rely on the experience of K&B that we may not get by going straight to the company. I believe this relationship is an important and necessary one in dealing with the insurance underwriters. Actually, K&B was the only brokerage we went through. It was all or nothing! Our deadlines... "

    Barry Layman
    The Colony Group, CIC

  • "The staff at K&B was instrumental in helping me! I had a policy that needed to be written at the 11th hour and with your staff at K&B, we wrote the policy. We have other policies coming up in the future and K&B is the trustworthy choice for us.... "

    Mark Kuhr
    Talbot/Hub Agency

  • "It’s the staff at K&B that I want to work with – you’re the ones who know what you’re doing!! K&B is straightforward in working with me and can tell me ‘yes’ or ‘no’ to my questions right away, which is great and what I need! The flow with K&B... "

    Mike Kram
    MD Kram Insurance Brokerage

  • "Your staff is persistent. Since I’m persistent too, I like that! K&B’s service is great because of the small things. A big thing we contend with is having an underwriter simply pick up the phone to take a call from us. Your staff will do that and it means a... "

    Sean Crayton
    Nixon & Lindstrom Insurance

 
Kbunderwriters
Kbunderwriters
  • "K&B has a model that backs up their binders with services that help providers care for residents. They understand the business, including the challenge of reimbursement reductions enabling them to engage best-in-class service providers… This level of knowledge and responsiveness really helps agents ‘brand’ themselves.... "

    Erik Halvorsen
    Peachtree Special Risk Brokers

  • "Thank you K&B for your DigniCARE product. Our firm works with a variety of senior living facilities and we consider the DigniCARE Program to be one of the best in the industry. Your team delivers professional and friendly service to your policyholders and your agency partners. You are a rock... "

    Pam Muzzilla
    McGowan Private Client Group

  • "The staff at K&B understood everything. In fact, I almost felt that they knew what I needed before I asked. K&B got things accomplished in such a short time frame! We sent a new submission on a large account and got quotes back in less than 8 days! I wouldn’t... "

    Vickie Fortner
    Bowersox Insurance Agency

  • "I could have gone to the same carrier through a different broker, but I liked the staff at K&B and liked working with them. K&B wanted the business, were aggressive, and turned it around very quickly. I am very pleased with the work... "

    Robin Walker
    Expert Underwriters, Inc

  • "We rely on the experience of K&B that we may not get by going straight to the company. I believe this relationship is an important and necessary one in dealing with the insurance underwriters. Actually, K&B was the only brokerage we went through. It was all or nothing! Our deadlines... "

    Barry Layman
    The Colony Group, CIC

  • "The staff at K&B was instrumental in helping me! I had a policy that needed to be written at the 11th hour and with your staff at K&B, we wrote the policy. We have other policies coming up in the future and K&B is the trustworthy choice for us.... "

    Mark Kuhr
    Talbot/Hub Agency

  • "It’s the staff at K&B that I want to work with – you’re the ones who know what you’re doing!! K&B is straightforward in working with me and can tell me ‘yes’ or ‘no’ to my questions right away, which is great and what I need! The flow with K&B... "

    Mike Kram
    MD Kram Insurance Brokerage

  • "Your staff is persistent. Since I’m persistent too, I like that! K&B’s service is great because of the small things. A big thing we contend with is having an underwriter simply pick up the phone to take a call from us. Your staff will do that and it means a... "

    Sean Crayton
    Nixon & Lindstrom Insurance