Finding The Right Retirement Home: Top 3 Tips (For You Or A Loved One)
Whether you are looking for a retirement home & community for yourself or a loved one, finding the right one comes down to a few crucial factors…
It is never too early to start planning for your retirement and thinking about your future living arrangements (even if you still consider yourself to be independent).
Finding the right retirement home and community goes beyond receiving care, there are a large number of older (and active) adults living in retirement communities who have made the move to avoid the isolation that tends to come with living at home alone and getting older.
Retirement communities can offer you the support, friendship and assisted living facilities you will need as an older adult.
Don’t wait until it’s too late
The trick is not to wait until you are forced to move out of your current home due to health issues. Leaving the decision for too long can limit your options. The earlier you make this decision in life, the better your chance of finding a community and home that suits your needs and finances.
Plus your family and loved ones will find peace of mind in knowing that you have the support and care needed when you start to become a little less independent (it happens to the best of us).
Moving into a retirement village sooner rather than later is a great way to meet new people, get involved in fun recreational activities and step out of your comfort zone.
Many married couples who have recently lost a partner have mentioned that moving into a retirement village before their partner passed away, was a great way to establish a support base of friends in order to avoid the loneliness of losing a loved one.
What to look for in a retirement community
Getting old doesn’t mean your quality of life needs to take a backseat. Look for a community that supports your lifestyle choices. For example, if your pets are important to you, then find a retirement village that allows for pets.
Perhaps you want a small garden and fresh air or would like a public swimming pool to swim in daily or a tennis court.
Enquire about the recreation centres and their activities to determine whether or not these match your own. There might be some new and exciting activities you have never tired before!
The trick is to also find communities that are filled with like-minded individuals who are actively engaged in living a healthy and happy retirement life.
2. Medical care and frail care centre
This might not be a priority to you right now, but the time will come when you will need some assistance.
Do some research and get a good understanding of the medical care and facilities available to you.
As you edge closer to your later years in life, you will need a dedicated physician.
Celebration is a great example of a Retirement Community in Johannesburg, South Africa offering medical care and a frail care centre. They also have a dining hall where residents can enjoy deliciously prepared meals, this also provides a great environment to socialise in and meet your neighbours.
If you need help paying the bills of medical care, then health insurance can be of assistance (the affordable alternative to medical aid).
With Oneplan Health, we even pay you before you see the doctor.
3. Your budget
A big aspect of a retirement community is the price.
Sit down with a financial advisor or trusted friend and figure out what you can afford.
Perhaps you are selling your current home, this may provide the funds needs to buy or rent a home in a retirement village.
Don’t forget about the monthly fees of the community itself.
In most cases, the more a retirement village offers, the higher your monthly expenses will be.
Find out exactly what these fees will be and work out whether you can afford it or not.
Don’t forget about insurance
A number of people who move into retirement villages may forget about home insurance.
There are so many other things to take into consideration and moving from a home you have lived in for many years, home insurance might just slip your mind.
With Oneplan Home Insurance, we let you tailor your insurance to suit your budget and your lifestyle. You can also press pause on your cover whenever you want and access your policy through our smart, simple and easy to use Oneplan App on your smartphone.
And, if you need any help with your insurance or have any questions, our team is always ready and waiting to assist.
We hope you find the perfect retirement home and community for your lifestyle, your budget and your healthcare needs.
Yours in hassle-free household insurance,