So you are looking at Long-Term Care homes, and trying to determine what costs will be incurred for monthly expenses. In Ontario, the MOHLTC (Ministry of Health and Long-Term Care) sets the rates for all residences, and makes adjustments for LTC homes, effective July 1, annually. It is incumbent upon the homes, to provide notice to Residents and their families re pending changes.
In understanding monthly costs, it is worth learning:
- Are incontinence products as required provided? (In Ontario, the homes are funded and provide supplies to the residents. Choice is limited to stocked products by the home)
- Are all medications included in the costs? Ask about dispensing fees to provide these meds. (In Ontario LTC , if a med is not covered, there may be a substitute drug that is covered. There are dispensing costs.)
- What costs are incurred if the resident requires a wheelchair, or assistive device? (In Ontario there may be an initial cost incurred for the Occupational Therapy Assessment. Cost relief may be available from the Assistive Devices Program): (http://www.elderpilot.com/site/blog/2014/08/06/the-assistive-devices-program-ontario-residents-check-out-this-gem-of-an-opportunity)
- Is physiotherapy all inclusive? (Care is available in Ontario under regulations, at no cost to the resident
- What about Special Dietary requirements? (In Ontario, the home is required to meet the resident's dietary needs, inclusive of the monthly payment.)
- These are but a few of the considerations to ponder, prior to admission to a LTC (nursing) home. Understanding the fee structures, and any additional costs, will reduce anxiety. Before signing, don't be afraid to ask for clarification of the billing, when reviewing the contract.
And getting back to the garage sale, what of my chance meeting? I must confess, I bought my one dimensional friend, and took him home. Unlike my husband, he said nothing about my driving.