Frailty, Dementia, and Assisted Living Facility Insurance

assisted living facility insurance

assisted living facility insurance

Assisted Living Facilities cater to a large number of people currently living in this country that can no longer provide for their own well being with the necessary care that many take for granted. Statistics state that nearly three-quarters-of-a-million Americans reside in more than 30,000 facilities across the US.

 

These are people who need some help on a daily basis because they can’t live independently anymore, and are often prone to accidents due to poor health. Many need hands on assistance with things, such as eating, getting dressed, practicing good hygiene, and other menial tasks.

 

Assisted living facilities are available to provide help to people with administering medication, assisting with meals, helping those who require it in getting to the bathroom and a slew of other tasks. For some it’s more like a home, for others more like an apartment, and ideally they’re getting service from individuals trained to deal with these situations.

 

Unfortunately there are times when allegations surface, generally due to a lack of workers available to provide for the number of residents, a perceived lack of training, medication errors, and other issues that can mar the reputation of these often under staffed institutions.

 

These types of situations, from the families’ perspective, are inexcusable, and can often lead to lawsuits filed against the facility. Assisted living facility insurance can aid owners who fall victim to claims, whether justified or not, and will help to cover costs which can be devastating.

 

Dementia patients offer even more challenges

 

Patients who have severe cases of dementia, which includes the loss of mental functions such as thinking, memory, and reasoning, pose even more challenges. For staff members not used to dealing with the severity of the situation, it can be very difficult.

 

These people suffering from this disease need extra care and special treatment, for everything to how meals are served, to how to engage them, how to approach them, how to communicate with them, and the difficulty of having to overcome some communication barriers at times.

 

This disease often has an impact on people’s physical health and on their behaviors, and workers need to learn how to interpret nonverbal cues that something’s going on with this resident because they can’t express their selves verbally. They often experience neglect of personal care and safety, and injuries can cause concerns, which again, if misinterpreted, could lead to litigation.

 

These are serious concerns that point out the very real need for assisted living facility insurance for those times when unfortunate incidents create unfortunate circumstances.