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Senior Living Guide

For many in retirement and looking to enter retirement, understanding what the senior living options are is key in decision making. How you and your family live in retirement impacts your lifestyle and happiness. Therefore, before you settle on a senior living situation, consider the following:

  • Research: Perhaps the easiest way to learn about your options is by exploring the resources provided by SeniorSmart and elsewhere to educate yourself about what your federal benefits may include. Assembling choices and making a list makes the process easier.
  • Speak with friends and family: It’s vital to have clear expectations in retirement. But these expectations need to be expressed to your family and friends. Doing so not only helps you figure our what you want but what you need.
  • Know your health needs: Before any move, it’s important to talk regularly with your doctor. Your doctor can help you make decisions about mobility and any future health needs. It is crucial, for instance, that you understand the difference between an independent living facility, an assisted living facility, a specialized care assisted living facility, and a skilled nursing facility. Remember, your health will change and where you live needs to be able to change with it.
  • Sit down with a financial advisor: We all know healthcare is expensive. In retirement, individuals have access to federal benefits like Social Security and Medicare. However, individuals still need to have a financial plan to cover their everyday living expenses in retirement.
  • Tour: Always visit the potential communities you are considering. Talk to residents, take advantage of some of the services offered like meals or exercise facilities, and ask questions about healthcare support.

Retirement Living Guide

As you approach retirement, it’s important to review your finances and make sure you have a clear plan to address your needs. This means making a list of what your assets and your expenses are. Also, consider the following as you enter or prepare for retirement:

  • Get the most of your employer-provided 401(K)
  • Make sure you sign up for Medicare on schedule
  • Determine if you have a pension and examine your Social Security benefits
  • Explore financial products

Once you enter retirement, you then need to make sure you stay on top of your finances and benefits so you continue to live the lifestyle you desire. A key part of this is making an estate plan so your family is secure.

Reach Out to SeniorSmart to Learn More Today

Our goal at SeniorSmart is to provide everyone with easy access to the resources they need to make the best decisions for themselves heading into and during retirement. There are numerous resources and information available but it can be difficult to know what to trust and how to get the benefits due to you. SeniorSmart condenses all this information into one place, giving you the ability to search and navigate without worry.

We cover all of the most important areas individuals will need to educate themselves about going into retirement such as:

For those looking for a more personalized approach, membership in SeniorSmart brings with it concierge services. This provides you and your family with customized guidance and advice as you approach or look to change course in retirement. So reach out to us today at 205.460.1124 to learn more about how we can help you.

For more information, please download these guides: