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Tag Archives: CCRC

Addressing Unmet Resident Needs in Retirement Centers

Addressing Unmet Resident Needs in Retirement CentersAddressing Unmet Resident Needs in Retirement Centers

As reported on senior living website McKnights.com, residents of continuing care retirements centers are experiencing more unmet needs than residents of other assisted living facilities, or even their own homes.

According to research compiled by the University of Michigan and the Urban Institute, 42% of residents in assisted living have unmet needs for help with daily living activities. Author Vicki Freedman, Ph.D. notes that this statistic doesn’t necessarily mean that assisted living providers are failing to deliver on promised..


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Senior Focused Risk Management: A Conversation with Bryan Baird

Senior Focused Risk Management: A Conversation with Bryan BairdSenior Focused Risk Management: A Conversation with Bryan Baird

In a blog post a few months ago, we discussed a quandary in the senior living industry; how residences can provide seniors with dignified, high quality care while protecting themselves as a business against incurring costs from claims and exposures. From a business standpoint, it makes sense that senior living centers want to lower their bottom line and boost profits. So how do these two seemingly different goals of resident care and profits align?..


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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: The Influence of Physicians’ Language

End-of-Life Care: The Influence of Physicians’ Language

In our blog post, “The Importance of Language,” a few weeks back, we talked about the role language plays in influencing decisions about end-of-life care and treatment options. One thing we looked at in particular was euphemisms used to describe death. Instead of telling patients or loved ones that they are dying, physicians tend to use the word “critically ill,” or that the patient is “failing to respond.”

What the study does not examine however, is the effect that a physician’s language can have on a patient decision. In a simulation at the University..


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End of Life Care Part II: Drawing a Line

End of Life Care Part II Drawing a LineEnd of Life Care Part II: Drawing a Line

The Journal of Palliative Medicine recently published a survey of nearly 700 physician-members of a national hospice and palliative medicine organization. More than half of the survey respondents in the past five years had experienced a physician or health care professional referring to palliative care treatments as “euthanasia,” “killing” or “murder.”

The issue isn't so much debating the nuances of palliative care versus aggressive treatments. Rather, it is a highlight of the difficulties that physicians..


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How Insurance Programs Prevent Elderly Abuse in Nursing Homes: Part II

How Insurance Programs Prevent Elderly Abuse in Nursing Homes: Part IIHow Insurance Programs Prevent Elderly Abuse in Nursing Homes: Part II

This is the second part of a two part series on the risk factors associated with elder abuse, risk management policies and best practices to prevent it.

There is a tendency to dismiss elder abuse as an extremely small problem that is not representative of the population. Statistics suggest that the violent crime rate is 17 times higher for people 18-21 than adults 65 or older. Yet the statistics surrounding..


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Nursing Home Risk Management: The Right Thing vs. the Defensible Action

Nursing Home Risk Management The Right Thing vs. the Defensible ActionNursing Home Risk Management: The Right Thing vs. the Defensible Action

Rumors and heated debate have been swirling around the death of a resident in an independent senior living center. In a tragic case earlier this month, a woman collapsed and needed immediate medical attention. The nurse on duty called 911, but refused to perform CPR. When the dispatcher asked her why she refused to preform CPR, she stated that it was against company policy. The woman was later declared dead at..


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How Insurance Programs Prevent Elderly Abuse in Nursing Homes

How Insurance Programs Prevent Elderly Abuse in Nursing HomesHow Insurance Programs Prevent Elderly Abuse

In this two-part series, we’ll examine the risk factors associated with elder abuse, and risk management policies and best practices to prevent it.

Elder abuse is loosely defined as “any form of mistreatment that results in the harm or loss to an older person.” It can include domestic abuse, institutional abuse, or self-neglect or self-abuse. As the population of older adults continues to rapidly expand, issues of abuse, recognizing it, and how to prevent it, are becoming..


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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