¶ … Living Environment Options
Guide: Variables Having an Impact on the Options of Individuals with Regard to Living Environments
Older adults require supportive and enabling environments. In addition to being safe and empowering, the said environments must also help in the elimination of ageism. It should be noted that in a way, the well-being of older adults is affected by their immediate living environments (Healy and Link, 2011). In this guide, a living environment will be used as a generic term indicating not only the physical place of residence but also the existing support networks in place.
Insurance and Financial Resources
To begin with, it is important to note that insurance does have a significant impact on the choice of living environments. For instance, while some health insurance programs cover most of the costs incurred in an assisted living facility, some plans do not have such provisions. As Wallace (2007) points out, some employers have been known to terminate the healthcare insurance of their employees once the said employees retire. It should however be noted that assisted living facility costs are covered by a majority of long-term care insurance policies. For this reason, the specific provisions of an individual's plan could have an impact on the living environment options available.
Financial resources also affect housing options which remain an important aspect of the lifestyle of the older adults. Depending on the available finances, options with regard to housing could include but they are not in any way limited to moving to a skilled nursing facility, moving in with relatives, or remaining in the current home. Yet another option in this case could be moving to a continuing-care retirement facility/community. Should...
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