Long Term Care Costs and Planning

Long-term care refers to ongoing services and support needed when people can’t care for themselves. Those extended care costs can be significant: In 2021, the average cost of skilled care at home was $216 per visit, the monthly rate at an assisted living facility was $4,500, and a monthly stay in a nursing facility was $9,034.

Let me tell you the average costs here are much higher.

You may think government programs will pay for your long-term care, but consider this:

• Medicare only pays for long-term care in specific circumstances.

• Medicaid, also known as medical assistance, has certain restrictions, based on your income and assets.

If you think you’ll pay for long-term care, ask yourself:

  • Will you need to dip into your retirement savings?
  • Can your spouse afford to pay for your care?
  • Can you pass assets on to your children or grandchildren, or to a charity?
  • Have you considered the tax consequences of liquidating investments?

That’s why it’s so important to start planning for your long-term care today.

Start a long-term care conversation with your family and financial professional today. We have partnered with community resources to provide you the best in support. Ask our intake team how to complete a Care Plan screening so that you can get your resources.

Find out more by registering for an upcoming class.

Pre-Planner’s and All Workshops

11 Fun Facts About the Brain

  1. Sixty percent of the human brain is made of fat. Not only does that make it the fattiest organ in the human body, but these fatty acids are crucial for your brain’s performance. Make sure you’re fueling it appropriately with healthy, brain-boosting nutrients.
  2. Your brain isn’t fully formed until age 25. Brain development begins from the back of the brain and works its way to the front. Therefore, your frontal lobes, which control planning and reasoning, are the last to strengthen and structure connections.
  3. Your brain’s storage capacity is considered virtually unlimited. Research suggests the human brain consists of about 86 billion neurons. Each neuron forms connections to other neurons, which could add up to 1 quadrillion (1,000 trillion) connections. Over time, these neurons can combine, increasing storage capacity. However, in Alzheimer’s disease, for example, many neurons can become damaged and stop working, particularly affecting memory.
  4. Brain information travels up to an impressive 268 miles per hour. When a neuron is stimulated, it generates an electrical impulse that travels from cell to cell. A disruption in this regular processing can cause an epileptic seizure.
  5. On average, your spinal cord stops growing at 4 years old. Your spinal cord, which consists of a bundle of nervous tissue and support cells, is responsible for sending messages from your brain throughout your body.
  6. The spinal cord is the main source of communication between the body and the brain. ALS, or amyotrophic lateral sclerosis, causes the neurons in the brain and spinal cord to die, impacting controlled muscle movement. Another disease that affects both the brain and the spinal cord is multiple sclerosis (MS). In MS, the immune system attacks the protective layer that covers nerve fibers, causing communication problems between the brain and the body.
  7. It’s a myth that you only use 10 percent of your brainYou actually use all of it. (Yes, even when you are sleeping.) Neurologists confirm that your brain is always active.
  8. The human brain weighs 3 pounds. (That’s about as much as a half-gallon of milk.) However, size does not always imply intelligence. Men tend to have larger brains than women.
  9. A brain freeze is really a sphenopalatine ganglioneuralgia. This pain occurs when cold hits the receptors in the outer covering of the brain, called the meninges. The cold creates a dilation and contraction of arteries, causing a rapid-onset headache.
  10. A piece of brain tissue the size of a grain of sand contains 100,000 neurons and 1 billion synapses. However, damage to neurons can have great impact. During a stroke, for example, blood is not able to get oxygen to the brain. As a result, brain cells can die, and abilities in that particular area of the brain can be lost. Similarly, Parkinson’s diseaseoccurs when the cells of a part of your brain called the substantia nigra start to die.
  11. The human brain can generate about 23 watts of power (enough to power a lightbulb). All that power calls for some much-needed rest. Adequate sleep helps maintain the pathways in your brain. Additionally, sleep deprivation can increase the build-up of a protein in your brain that is linked to Alzheimer’s disease.

This information pulled from www.nm.org

6 Easy Foods to incorporate into the diet to promote healthy hearts

Heart Health Month -February

February is the month of love, where we emphasize the importance of having someone special in our lives and what they mean to us. But what about the importance of our health? Let us make this month focus on our health too, our heart health to be exact!  

Did you know that by incorporating some simple foods and exercises into your daily routine, you can decrease your chance for a heart attack, stroke, or other related diseases by 50%? Those with preexisting heart related issues have been known to decrease their chances of a heart attack by 25% with regular exercise and eating right. Here is a list of simple foods and exercises to start your new year off right. 

6 Easy Foods to incorporate into the diet to promote healthy hearts: 

  • Beets- Known to help keep blood vessels dilated and health due to their high doses of nitrates. A cup of beet juice a day will help to lower blood pressure. 
  • Oatmeal – Fiber rich oatmeal cuts down on cholesterol Absorbtion. Good source of healthy fiber, fats and protein. 
  • Salmon – High in omega 3 fatty acids, can help stave off the risk of heart failure, stroke, and other coronary disease. 
  • Blueberries – are high in soluble fiber and antioxidants. 
  • Broccoli and brussels sprouts – have been found to decline in blood vessel disease 
  • Pumpkin seeds and walnuts – nuts are a good source of monounsaturated fats, eating nuts two or more times a week can lower the risk of cardiovascular problems.  

Craving an easy recipe that is also healthy check out this Healthy Tuna Salad:  

  •   2 White Albacore tuna (in water, drained) 
  • 2 Celery stalks 
  • 2 tbsp 2% greek yogurt 
  • 2tbsp lemon juice  
  • ¼ tsp salt and black pepper 
  • 1tbsp Dijon mustard  
  • 1tbsp chopped parsley 
  • Mix and add to your favorite piece of wheat/grain bread or try it in a lettuce wrap. 

 6 Best Exercises to Strengthen Your Heart 

  • Walking – simple but effective, just 30 minutes a day can get your heart rate up and get that blood pumping. If you are feeling adventurous, try intervals of speed walking and then slowing down to your natural pace. Walking can be easier on your joints than other types of exercises. Don’t forget to wear a pair of supportive shoes! 
  • Swimming – it’s not just for the Summer, swimming can be a full body workout that will strengthen not only your body but your heart as well. Check in with your local community, many public indoor pools offer aerobics classes.  
  • Yoga – it is great for your heart health! Doing yoga will help strengthen and tone your muscles. It can get your heart rate up as well as lower your blood pressure.  
  • Dancing – if you’re looking to kill two birds with one stone, try dancing! You can take your partner or use it as an excuse to get friends together, not only will you be having fun, but you will be getting a great workout too! Dancing not only elevates the heart rate but it improves balance and mobility too. See if your local community offers classes like Zumba or line dancing.  
  • Tai Chi – want to try something new? Tai Chi has been around for centuries and has been known to help with chronic conditions, improve balance and reduce the risk of falls.  

 Valentines Day! 

Trivia: Did you know that on 2/9/1894 Hershey’s Kisses were invented in Pennsylvania. 

Here is a fun craft idea that you can share with friends, family, and the local birds 


  • 3 cups birdseed 
  • 4 tbsp corn syrup 
  • 2 envelopes unflavored Knox gelatin 
  • ½ cup of water 
  • ¾ cup flour 
  • Cooking spray 
  • Heart shaped cookie cutters 
  • Drinking straw 
  • Twine 
  • Wax paper or parchment paper 
  • Large mixing bowl 
  • Measuring cups 
  • Cookie sheet 


  1. Mix all ingredients except the birdseed in a large bowl. Mix well. Then add birdseed and mix until you get a sticky consistent mixture evenly. 
  1. Next spray the inside of the cookie cutter. Pack the inside of the cookie cutter with the bird feed mixture on top of the cookie sheet. Once molded in the cutter, insert a straw towards the top of the heart to make a hole. 
  1. Slide the cookie cutter off the heart-shaped bird feeder. It should glide off thanks to the cooking spray. 
  1. Repeat steps to make more hearts 
  1. Let them stand and dry for at least 3 hours or overnight to be safe 
  1. Once dry, cut the twine and tie through the hole. If you are giving them out you can put them in a clear bag with a sweet note. 

 Are you sleeping well? 

The Pandemic disrupted a lot of sleep schedules. Without most typical routines of being able to go out regularly, visit friends or run errands, many were stuck inside 24/7 and the clock just went right out the window. Recent studies have linked lack of sleep to strokes, depression, etc.  

Here are some helpful tips to get your sleep routine back in order:  

  • Avoid alcohol, caffeine and nicotine for 4-6 hours before you go to bed.  
  • Keep the bedroom dark, white or blue lights, especially from the T.V interferes with the secretion of melatonin.  
  • Have a wind down period each night before bed, like reading for a half hour each night, will not only calm you but tire your mind.  
  • Try yoga postures for loosening up the body before bedtime.(I.E. Childs pose, butterfly pose etc.). 
  • Have a cup of tea before bed. Teas like Chamomile, Lavender, and Valerian tea can help calm the mind and promote restful sleep. Check with your doctor to make sure these are right for you.  

 Where Are You At With Your Health In 2023 ? 

It’s a new year, have you been to the Dr? Start the new year by being proactive about your brain health and physical health. Detecting signs early is essential for effective treatment, especially concerning memory issues. Make sure you schedule a checkup and while you’re at, ask your doctor for an annual memory screening, they only take about 10-15min. Remember our brains need regular checkups too. 

Article Written by Laurisa Hampton, Placement Coordinator, CayCare, Elder Care & Senior Living Advisor. Laurisa is new to article writing and did research on Pinterest and other sites. However, this article is her very own. (c)2023

Top 3 Options for Winter Activities for Seniors

Top 3 Options in Washington for Seniors to do in Washington State for outdoor activities.

  1. Take a (free) bus to Crystal Mountain from Enumclaw to the ski resort. Ride the gondola to the top and eat at the restaurant. Summit House Restaurant. It is simple to reserve and again, all free. You only have to pay for the gondola and the meal. Enjoy winter without having to be an avid skier.
  2. Take the train to Seattle. You don’t have to be a commuter to enjoy what the commuter train has to offer. Ride the train up and eat a lunch and shop. You can catch a cab, uber or a bus to enjoy the city life on a winter day. Wear a heavy coat, carry some change for tips and bus ride.
  3. Ride the ferry to a local island. Bainbridge Island has a nice little town that you can enjoy from the ferry dock. Enjoy a sandwich, buy some treats. Maybe take an art or pottery class.

To learn more about these and other options email us at contact@caycare.com