Ideally, a facility should strive to fulfill every obligation required by law. Many facilities provide excellent service and care but, even under the best circumstances, problems may arise. These problems can involve anything from payment issues to the quality of healthcare and services.
A resident first should talk to an employee on duty at the time the problem occurs — preferably the person or persons directly involved. If no one is available, or the resident is not comfortable talking directly to the persons involved, the resident should contact the facility administrator. Many times, the issue can be resolved at this level, and residents often find that prompt and direct communication can resolve issues in the simplest and most effective way.
Unfortunately, sometimes problems cannot be resolved by talking to the facility staff or administrator. If a resident is not satisfied with a facility’s response, the resident can turn to certain outside agencies and resources for help. Some of these resources are discussed in the following section, “Help Available to Resolve Problems.”
Help Available to Resolve Problems
–Long-Term Care Ombudsman Program
Assistance may be available from a local Long-Term Care Ombudsman program. The word “ombudsman” means someone who investigates reported complaints and helps to achieve settlements.
Federal law requires each state to have a Long-Term Care Ombudsman program, although ombudsman programs vary greatly from state to state. In general, Ombudsman programs currently are more active in nursing facilities than in assisted living facilities, although each year Ombudsman programs are increasing their involvement in assisted living.
In some states, Ombudsman programs are part of state or local government. In other states, Ombudsman programs are operated by private non-profit agencies. In all cases, Ombudsman programs operate independently from the long-term care facilities in which they visit and work.
Although Ombudsman representatives are impartial in investigation, they take the resident’s perspective when resolving problems. They seek to resolve situations on terms acceptable to the resident. Ombudsman programs use many different strategies to resolve problems. Ombudsman representatives provide information to facilities and residents, investigate complaints, work with family and resident councils, and train facility staff as well as the local community about various issues in long term care.
A resident can request an Ombudsman representative to speak on the resident’s behalf to facility staff, or an Ombudsman representative can take the initiative to address systemic problems on behalf of all residents. Many times, the Ombudsman program can keep an individual resident’s name in confidence if that is what the resident wants.
Phone numbers for state ombudsman programs are located in Appendix B to this guide. As mentioned above, ombudsman programs in most states are currently much more active in nursing facilities than they are in assisted living facilities. Check with your state’s ombudsman program to find out what assistance the program can provide with assisted living issues.
–State Licensing Agency
Residents have the right to report problems or complaints to the state licensing agency. Licensing agencies have the authority to investigate complaints about facilities. When a complaint is made, the licensing agency often must investigate within a certain amount of time.
If violations in state licensing requirements are found, the agency generally requires the facility to present a plan to fix the problem, and on occasion assesses fines or other types of penalties. The strength of state licensing standards, and of the procedures used to address violations, vary greatly from state to state.
Residents should be aware that state licensing requirements may be rather minimal. In many or most states, licensing standards in no way reflect the high quality procedures for which residents and their representatives should advocate.
–Professional Licensing Boards
States also maintain professional licensing boards that set standards for health care personnel including registered nurses, licensed practical nurses, physical therapists, certified nursing aides, social workers, and physicians. The licensing agencies provide examinations and certifications to these groups, and also investigate complaints about individual healthcare workers. Consumers usually can report complaints directly to the state’s department of professional licensing.
It should be noted, however, that most state licensing boards will not take action except in response to gross misconduct. In general, licensing boards only act when a license is threatened, and in most states a licensee revocation becomes a possibility only when the conduct of the licensed person has been particularly egregious.
–Attorneys and Legal Advocates
Residents and their family members have the right to contact an attorney who can take action on behalf of a resident or residents. An attorney may represent a resident to prevent an eviction, recover lost or stolen property, recover for a personal injury, or protect the resident in some other way. Attorneys with expertise in long-term care are generally elder law attorneys or (in the case of physical injury suffered by residents) personal injury attorneys.
Paying for Assisted Living
State law generally requires assisted living facilities to disclose all of the costs of care to an incoming resident. Aside from this disclosure requirement, each assisted living facility generally is at liberty to set its own rate for rent and services. Because facilities have such great flexibility in how and what they charge, residents must make sure they fully understand the admission agreement’s payment provisions.
It’s important to note that a facility may raise its rates from time to time. This may affect a resident’s ability to budget for the future. Residents should ask the facility how often the facility has raised fees in the past and when it expects to increase fees again. Remember, however, that state law probably gives the facility great freedom to raise its rates at any time, as long as written notice of 30 or 60 days is given in advance.
Facility Pricing Options
There are different ways that facilities can charge residents for the services they receive. One way is referred to as the “all-inclusive” method. This means that rent and any additional services are included in a set monthly fee.
“A la carte” pricing
Another method charges residents a flat rate for a certain set of basic services, and then charges an additional fee for extra services. This option is referred to as “a la carte” pricing. The term “a la carte” means “according to a menu that prices each item separately.” With this type of pricing option, residents pay only for those services they receive.
For example, in addition to the basic monthly rent, a facility may have a schedule of charges based on resident usage of services or facilities. These additional charges may include personal laundry, television, transportation costs, and medical supplies, as well as assistance with personal care needs such as bathing, grooming and dressing.
In addition to monthly rent and service charges, some facilities may charge a security deposit. Others may charge a non-refundable entrance or "community fee." Some deposits might not be refundable, even if the resident moves elsewhere, or never moves in at all. Many facilities charge an additional fee if payment for services is received late. Fees may vary from a set fee to an additional charge for each day beyond the date payment was due. Some facilities charge an annual percentage rate assessed daily on unpaid rent.
Assisted living is largely a private-pay business. Most residents living in assisted living facilities pay for expenses from private money sources. These sources can include income from pensions and retirement, as well as money from savings and investment accounts. Some families help with covering the costs associated with assisted living. In other cases, residents use the proceeds from the sale of real estate and personal property.
Long Term Care Insurance
Long-term care insurance is a special type of insurance plan that can help pay for assisted living. Long-term care insurance policies usually pay a certain sum of money to the facility for a certain period of time.
The cost of long-term care insurance varies widely depending on the policy. There are many different options to choose from, and the price often is determined by the age, medical condition and services needed by the resident applying for the policy. Usually, the younger the applicant is, the less expensive the policy. Many policies have set rates that do not increase as the insured ages. However, rates can change for other reasons, so there’s no guarantee that the rate for coverage will remain constant.
Some individuals may not be eligible to purchase long-term care insurance. Residents already living in a long-term care facility, those who have already been diagnosed with a condition that will require long-term care, or those over age eighty five may not be eligible to purchase any type of long-term care policy.
Because claims under long-term care insurance may not be filed for a long time, applicants must thoroughly research and understand the exact terms of the policy, including the rules affecting when the policy actually takes effect. Principal dangers are that the insurer will no longer be in business when care is needed, or that the premium costs will increase dramatically between when the policy is purchased and when long-term care is needed.
Regardless of the source, the costs involved can make paying for assisted living prohibitively expensive for many people. Today, there are a few public assistance programs available for eligible residents, though the majority of residents in assisted living must continue to pay for services with their own private money. These programs are discussed in the following sections addressing Medicare, Medicaid and Supplemental Security Income.
Introduction to Medicare and Medicaid
“Medicare” and “Medicaid” sound alike and, as a result, each program often is confused for the other. The programs are very different, however. Each requires that a beneficiary be either at least 65 years old or disabled, but Medicare eligibility is based on the work history of the individual or the individual’s spouse, and Medicaid eligibility is based on financial need. Another important distinction is that Medicare is a federal program and, as a result, Medicare rules are the same no matter where the Medicare beneficiary lives. Medicaid, on the other hand, is a program run by each individual state under general rules set by the federal government. As a result, Medicaid services and eligibility rules can differ significantly from state to state.
Medicare Home Health Care
The Medicare program is a federal health insurance program for individuals 65 and over and certain disabled individuals under 65. Eligibility for Medicare requires that either the individual or the individual’s spouse has worked enough months to qualify for Social Security benefits.
Medicare covers home health care, and the same Medicare rules apply whether the individual is at home or in an assisted living facility. The Medicare program can pay for home health care only if the beneficiary is considered “homebound,” based on the reasoning that a resident who is not homebound could travel to a hospital or clinic for routine health care. An assisted living resident is considered “homebound” if leaving the facility is a very difficult process. In determining whether a resident qualifies as “homebound,” the resident is not penalized for leaving the facility to receive health care treatment or to attend an adult day care program. Also, attending religious services does not limit a resident’s ability to be considered homebound.
The Medicare home health care benefit generally requires a need for skilled nursing care, or physical or speech therapy. Nursing care is considered “skilled” if a nursing service requires the expertise of a licensed nurse. For example, treatment of a wound or administration of an injection are skilled nursing services that qualify for Medicare reimbursement. On the other hand, bathing a resident, or helping a resident get dressed, are services that do not qualify for Medicare reimbursement.
Medicare covers only those skilled nursing facility services that help a resident recover from an acute illness or injury. Medicare will not cover permanent, daily skilled nursing care. Generally nursing care must be needed six days a week or less. If nursing care is needed every day, Medicare can pay only if the daily nursing care will be needed for only a limited time-period – three or four weeks, for example.
As mentioned above, therapy services also must be “skilled” in order to qualify for Medicare payment. The expertise of a licensed physical therapist or certified speech therapist must be required.
If a resident requires skilled nursing services or skilled therapy, the Medicare home health benefit also may be able to provide the part-time assistance of a home health aide, as appropriate given the resident’s care plan. Also, the Medicare home health benefit may provide medical supplies (such as catheters) or durable medical equipment (such as walkers), if the supplies or equipment also are part of the care plan.
Therefore, practically speaking, the Medicare program does not cover day-to-day assisted living costs. However, Medicare can be a useful benefit that may pay for certain services provided at the assisted living facility by a home health care agency, the same way that Medicare would pay for those same services if the individual resided in his or her own home.
Medicaid Eligibility Rules
Unlike Medicare, Medicaid is not concerned with the work history of an individual or the individual’s spouse. Rather, Medicaid eligibility depends on the individual’s financial need.
Medicaid is available only to an individual who is at least 65 years old or is disabled. An individual who receives Supplemental Security Income (SSI) is eligible for Medicaid automatically. Otherwise, an individual can be eligible for Medicaid when his or her available savings fall below approximately $2,000 (the exact amount varies from state to state; remember, Medicaid eligibility rules can differ significantly from state to state). The value of the home is not counted against this savings limit. Also not counted are a necessary automobile, clothing, household goods, a burial plot, and other important items.
Unless SSI-eligible, an individual generally is required to pay a monthly deductible before Medicaid will cover the individual’s medical expenses. The deductible is calculated based on the individual’s income, and generally will allow the elder to retain monthly income of approximately $500 to $900, depending on the state.
Eligibility standards are eased somewhat for married couples, in recognition that two cannot live quite as cheaply as one. The savings limitation is raised somewhat – likely to $3,000 or $4,000, depending on the state – and the amount of monthly income to be retained (for couples not eligible for SSI) is raised to the neighborhood of $600 to $1,100 monthly, also depending on the state.
More generous eligibility standards apply if a married individual lives in a nursing home, because Medicaid rules take into account the fact that the resident’s savings and income may be needed by the spouse living at home. A couple may be able to retain approximately between $20,000 and $90,000 of savings, and between $1,600 to $2,300 of monthly income, depending on the state. Similar standards may apply to a married assisted living resident, but only if the state’s Medicaid program covers assisted living services under a Home and Community-Based Services waiver (see below for more details), and only if the Medicaid program has chosen to extend its nursing home eligibility standards to assisted living services.
Medicaid Payment for Personal Care Services
In assisted living, Medicaid will not pay for “room and board”: living quarters, meals, utility bills, etc. However, state Medicaid programs may pay for personal care services provided in the assisted living facility. Examples of “personal care services” are assistance provided to residents in bathing, dressing, eating, cooking, or cleaning. Personal care services in general are less medical than home health care. The services usually are provided by individuals with relatively little training, at least in comparison to the years of training required of nurses and therapists
Usually, in order to be covered by Medicaid, personal care services must be approved by a doctor and be part of a comprehensive plan of service individualized to meet the resident’s needs. Personal care services can be provided through an agency (similar to how home health services are provided by a home health agency), but increasingly personal care services are provided by individuals unaffiliated with an agency.
In most states, Medicaid-funded personal care services are available only to those residents who receive care through a Home and Community-Based Services (HCBS) waiver. The term “waiver” is used because, for home and community-based services, the federal government has waived the general requirement that all Medicaid services be available equally to any eligible individual within the state. Because this rule has been waived, the state Medicaid program can choose to offer home and community-based services only to a limited number of eligible persons. An HCBS waiver is meant to keep individuals out of nursing homes to the extent possible. Accordingly, HCBS waiver services are available only to those individuals whose medical or physical condition otherwise would have required nursing home care. In general, the services provided through the HCBS waiver must be no more expensive than what nursing home care would have cost for that same resident.
In a relatively small number of states, eligibility for HCBS waiver services is not required for receipt of personal care services. In these states, it is not necessary that an elder have a medical need for nursing home services, and the state must provide personal care services to all eligible Medicaid beneficiaries, without any waiting list. In many cases, however, the state Medicaid program will not authorize the number of hours of personal care services that the elder feels that he or she needs.
Medicaid Coverage for Home Health
The Medicaid program pays for home health care, but the Medicaid home health benefit is used much less frequently than the Medicare home health benefit. The reason is that, under federal law, a Medicaid program can cover home health care only for elders who have a medical or physical condition that otherwise would require nursing home care. By contrast, as explained above, Medicare home health care benefits do not depend on the beneficiary needing nursing home services. A Medicare program can cover home health care if a beneficiary is home bound and needs skilled nursing or therapy services.
Supplemental Security Income (“SSI”)
The Supplemental Security Income (“SSI”) program guarantees a very limited income to individuals who are aged, blind and/or disabled, and who have available savings of no more than $2,000. As is the case in determining Medicaid eligibility, “available savings” for SSI purposes does not include the value of the home, a necessary automobile, clothing, household goods, a burial plot, or other important items.
The federal SSI benefit rate is very low — $564 for 2004 — so many states provide an additional state supplement for SSI recipients residing in assisted living facilities. Even with this state supplement, the total monthly income of SSI-eligible residents is extremely low. Since this total amount of income is so low, some states require that assisted living facilities accept a limited monthly rate from SSI-eligible residents, so that the resident can keep a small amount of money for personal needs.
Residents apply for SSI benefits at the local Social Security Office. Eligibility depends on the resident’s savings and income
Many assisted living residents are able to self-administer medication. This means that the resident can take the medication with no assistance from facility staff.
In some states, a licensed healthcare professional must first assess each resident to determine whether self-administration is appropriate. Usually, the resident must demonstrate that he or she can correctly identify medications (for example, by color or shape) and have the ability to question changes in medication routines.
Some assisted living residents are unable to take their own medications, due to physical or mental limitations. They may need help with opening medication bottles and taking out the medication, or in figuring out what pills to take at what time. Facility staff can help if the resident is able to self-direct medication administration. This means that the resident is aware of what the medications look like and knows when they should be taken, but the facility staff can assist by reminding the resident to take the medication, opening the bottles, or reminding the resident when a prescription needs to be refilled.
If a resident is unable to self-administer or to self-direct medication administration, the assisted living facility staff is responsible for administration. In some facilities, the person assisting the resident with medications may not be a nurse or other trained, licensed health care professional. Some states allow facilities to hire a licensed healthcare professional who “delegates” the medication responsibilities to facility employees who are not nurses.
Regardless of who is responsible for medication administration, the medications must be given in accordance with the resident’s service plan. Generally, the facility must provide a procedure for documenting the medication administration, including the procedure to follow should an error occur. The facility may be required to keep medication records that contain some or all of the following information: the resident’s name; the name of the prescribing practitioner; the medication name; the time, dose and dates administered; the method of administration; and signatures of the person who administered the medication. Some states require that the medication record contain a list of possible side effects and reactions, or any precautions that should be taken when administering.
The resident who self-administers medications may be permitted to keep the medications in his or her own room, unless safety is a factor (for example, the resident shares a room with someone.) Otherwise, all medications are required to be stored in a locked, central storage area for safety reasons. If the medications are locked in a central area, the facility must provide each resident timely access to the medications.
The facility usually must have a procedure for returning medications to the resident if the resident moves or is discharged, in addition to a procedure for destroying medications that are unused and outdated.
Hospice Care in Assisted Living
What is Hospice Care?
Hospice care is designed for individuals who are terminally ill. Hospice care offers the dying patient the ability to remain in familiar surroundings, often with a greater sense of peace, comfort and dignity. As compared to home health care, hospice focuses less on treatment of illness, and more on the patient’s comfort and emotional health at the end of life.
A team of many different healthcare personnel provides the hospice care. The team usually includes a physician, a nurse, a home health aide, a social worker, a chaplain and in some instances, a volunteer. This interdisciplinary hospice team works together to develop a plan of care that will help alleviate the patient’s pain providing the necessary medications, medical supplies, and equipment.
Although hospice services can be extremely helpful, the decision to choose hospice care can be very difficult for a resident and his or her family. The decision to give up active treatment for the terminal illness is obviously influenced greatly by the patient’s culture and religious beliefs. Hospice care is unique because it provides personalized care and services to patients and their families. The patient and family are assisted in the necessary preparation for death in a way that is appropriate for them.
Hospice Care in an Assisted Living Facility
Although hospice care often is thought of as something provided in the patient’s home, hospice care also can be provided in an assisted living facility. Though a terminally ill resident may require care that ordinarily would require the resident to move to a nursing home, the goal of hospice care is to allow the resident to remain where they are most comfortable. Therefore, many states have special rules that allow assisted living residents to receive hospice care and remain in the facility, provided certain conditions are met. Since most hospice care is provided by outside hospice agencies, rather than the facility itself, these conditions usually require the facility and hospice agency to work together to provide the best possible end-of-life care.
Many states require assisted living facilities to obtain special permission for admitting or retaining residents in need of hospice care. Depending on the state, permission is granted for a particular resident or residents only, or for an entire facility. If permission is granted for a particular resident, the facility must provide the state licensing agency with the appropriate information about the resident, including a service plan that details how hospice care will be provided. Generally the hospice agency and the assisted living facility at a minimum are required to have a written agreement that describes the responsibilities of each.
Hospice agency staff provides scheduled services and, in addition, usually is available twenty -four hours a day, seven days a week, to meet patients’ unscheduled needs. Often, hospice staff trains the appropriate facility staff on how best to manage the resident’s care between hospice visits. The hospice agency also may involve the resident’s family and friends in the plan of care.
Hospice care should not replace anything that a facility otherwise is obligated to do. Instead, hospice services should supplement and improve upon the facility-provided services.
Paying for Hospice Care in Assisted Living
Hospice care is covered under Medicare, Medicaid, most private insurance plans, and other managed care organizations. However, most hospice care is paid for by Medicare Part A, and provided through Medicare-certified hospice agencies.
Medicare rules allow payment for hospice care only if a doctor has certified that the patient is expected to die within six months. If the patient in fact does not die within the six months, hospice care nonetheless can be continued indefinitely, as long as the doctor continues to certify that the resident is expected to die within the following six months.
By choosing the hospice service package, a patient gives up services related to the treatment of the terminal illness. When a Medicare beneficiary chooses hospice care, he or she is turning down Medicare reimbursement for active treatment of the terminal illness. However, a beneficiary still can use Medicare for other medical care.
Assume, for example, that a Medicare beneficiary has cancer that is likely to cause her death within six months. If she chooses the Medicare hospice benefit, Medicare will not pay for radiation or chemotherapy to combat the cancer. The hospice benefit, however, will pay for medication to suppress or manage the pain caused by the cancer, as well as the other items and services included in the Medicare hospice benefit.
Important Topics in Assisted Living: A Consumer Guide
This guide can help assisted living residents and their family members research these issues, make informed decisions, and protect their rights.
Assisted Living can be a valuable long-term care option for an older person who is no longer able to live independently. Assisted living has become very popular in recent years, and assisted living facilities now are providing a greater variety of services than ever before.
Even though the care now provided in assisted living is growing in complexity, there are relatively few rules in place to protect residents. Federal law essentially does not address assisted living, and state licensing requirements leave many questions unanswered. Because the law may be relatively sketchy, the contract between the resident and the facility in many cases determines to a great extent the type and quality of care to which the resident is entitled. Therefore, residents and family members must be aggressive in advocating for the resident’s needs and interests.
There are important topics in assisted living that residents and family members can research in order to help ensure that they receive the highest quality of care available. These topics include contract and admission issues, pricing and payment, as well as healthcare and personal care concerns. “Important Topics in Assisted Living: A Consumer Guide” can help assisted living residents and their family members research these issues, make informed decisions, and protect their rights.
What is Assisted Living?
“Assisted Living” is a term that describes a wide range of facilities that provide some type of long-term care to older persons who no longer can live independently. In the past, assisted living residents generally needed no more than limited assistance with “activities of daily living,” such as bathing, grooming, eating, and toileting. Today, however, assisted living facilities are providing (or arranging for) a significant amount of health care, from medication administration all the way to wound care, physical therapy or (in rare instances) tube feeding.
Because “assisted living” generally is defined in a relatively loose way, it may be difficult for a consumer to know what to expect or to demand. Facilities not only vary from state to state, but from facility to facility within the same state as well.
That being said, there is no reason for consumers to despair. State licensing law sets quality of care standards, and those standards can offer significant protections to residents. This guide provides guidance for using those licensing standards for residents’ benefit, and discusses various strategies to obtain for residents the highest possible quality of care.
Assisted Living Staff
Assisted living staff may include administrators, business and marketing directors, admissions coordinators, direct-care staff, food service personnel, activity directors, and maintenance and housekeeping personnel. The number and type of staff in assisted-living facilities varies greatly. Staffing depends on many factors, including the number of residents and the types of services and amenities offered. The staff may be employed directly by the facility, or by agreements with outside agencies or private contractors. All personnel must be licensed, certified, or registered in accordance with state law.
The Administrator is responsible for the overall operation of the facility. It is up to the administrator of the assisted living residence to ensure that appropriate staff members are on duty at all times to properly provide for the health, safety, and well being of the residents as well as maintenance and housekeeping of the buildings and grounds. The administrator is responsible for recruiting, employing, and training the number of licensed and unlicensed staff needed to provide services.
Direct Personal Care Staff may be certified nursing assistants or specially trained individuals who assist residents with personal needs and activities of daily living. Qualified, competent direct care personnel must be in the facility twenty-four hours a day to meet all residents’ needs. Some states allow personal care staff to receive “on the job” training.
The Business and Marketing Director is in charge of advertising and marketing the facility. He or she gives information to the public and may provide brochures and tours of the facility. The facility must have written admission, retention, and transfer policies that are available to the public upon request. Potential residents often meet first with the marketing director, who will discuss what services and amenities the facility has to offer. Residents must keep in mind that this contact person is often trained in sales and marketing techniques, so naturally the facility is presented in the best possible light.
The Admission/Service Coordinator develops and oversees the care and services of each resident on admission. He or she is responsible for the initial resident assessment and for making sure that each individual resident’s needs and requests are fully addressed. These needs and requests are usually documented on the resident’s “service plan” (see section below.) The service coordinator must have the knowledge, skills and abilities to coordinate the service plan for each resident. Both the administrator and designated service coordinator are responsible to ensure that each resident's service plan is implemented by facility staff.
The Activity Coordinator organizes daily activities, social events and special programs for residents. The activity coordinator's duties include the coordination of all recreational activities, including volunteer and auxiliary activities. The Activity Coordinator plans, organizes, and conducts the residents' activity program with resident participation; and develops and posts monthly activity calendars, including information on community activities, based on residents' needs and interests.
Food Service Personnel prepare and serve resident meals. Facilities must employ food service personnel to meet the needs of residents. While on duty in food service, the cook and other kitchen staff generally cannot be assigned to duties outside the food service area. If food service personnel also work in housekeeping or provide direct resident care, the facility must develop and implement employee hygiene and infection control measures to maintain a safe, sanitary food service.
Maintenance and Housekeeping Personnel are responsible for the daily cleaning and maintenance of the facility.
Say “No” to Negotiated Risk and Other Liability Waivers
In assisted living, a “waiver” of liability is a contract term which excuses the facility from legal responsibility. Residents “waive” (give up) their right to hold the facility responsible for a loss.
In most contracts between a business and a consumer – including an assisted living admission agreement – waivers of liability are illegal and unenforceable. For example, a surgeon must not demand that he or she be exempt from damages for a negligently performed surgery. Similarly, an apartment landlord must not require tenants to release the landlord from the responsibility to maintain the common areas in a safe condition.
Thus, the admission agreement for an assisted living facility must not require that a resident release the facility from responsibility for the resident’s health and safety. Such a contractual provision would be unenforceable: regardless of the contract, the facility could be liable if the harm to the resident was foreseeable, and the facility had a duty to prevent the harm.
Liability waivers are of particular concern in agreements in which a resident is admitted or retained in a facility that cannot meet the resident’s needs. This type of agreement is often referred to as a “Negotiated Risk” (or “Shared Risk” or “Shared Responsibility”) agreement. In these agreements, the resident releases the facility from legal responsibility for certain aspects of the resident’s care – pressure sore care, for example, or fall prevention or medication administration.
No resident should sign a negotiated risk agreement. One of the main reasons an older person moves into an assisted living facility is to avoid the risks and dangers of living independently. Releasing a facility from its responsibilities defeats the purpose of moving into assisted living. Residents of assisted living facilities should arrange for the services necessary to meet their needs.
Given that moving to an assisted living facility can be a traumatic and confusing time, residents are particularly vulnerable during the time of admission. Presenting residents with negotiated risk agreements or other waivers of liability is coercive and unfair to residents. Negotiated risk agreements and other waivers of liability are illegal and unenforceable. Residents should be able to make choices regarding their lives without signing away their rights.
Association of Jewish Doctors National Association of jewish lawyers: Auburn AL; Birmingham AL; Dothan AL; Gadsden AL; Huntsville AL; Mobile AL; Montgomery AL; Muscle Shoals AL; Tuscaloosa AL; Anchorage AK; Fairbanks AK; Juneau AK; Flagstaff AZ; Sedona AZ; Mohave County AZ; Phoenix AZ; Prescott AZ; Show Low AZ; Sierra Vista AZ; Tucson AZ; Yuma AZ; Fayetteville AR; Fort Smith AR; Jonesboro AR; Little Rock AR; Bakersfield CA; Chico CA; Fresno CA; Humboldt County CA; Inland Empire CA; Long Beach CA; Los Angeles CA; Mendocino (new) CA; Merced CA; Modesto CA; Monterey CA; O.C. CA; Oakland CA; Palm Springs CA; Palmdale CA; Redding CA; Sacramento CA; San Diego CA; San Fernando Valley CA; San Francisco CA; San Gabriel Valley CA; San Jose CA; San Luis Obispo CA; San Mateo CA; Santa Barbara CA; Santa Cruz CA; Santa Maria CA; Siskiyou CA; Stockton CA; Susanville CA; Ventura CA; Visalia CA; Boulder CO; CO Springs CO; Denver CO; Fort Collins CO; Pueblo CO; Rockies CO; Western Slope CO; Eastern CT CT; Hartford CT; New Haven CT; Northwest CT CT; Wilmington DE; Dover DE; Newark DE; Pike Creek DE; Bear DE; Washington D.C. District of Columbia; Daytona FL; Fort Myers FL; Ft Lauderdale FL; Gainesville FL; Jacksonville FL; Keys FL; Lakeland FL; Miami FL; Ocala FL; Orlando FL; Panama City FL; Pensacola FL; Sarasota FL; Space Coast FL; St. Augustine FL; Tallahassee FL; Tampa FL; Treasure Coast FL; West Palm Beach FL; Albany GA; Athens GA; Atlanta GA; Augusta GA; Brunswick GA; Columbus GA; Macon GA; Northwest GA GA; Savannah GA; Statesboro GA; Valdosta GA; Big Island HI; Honolulu HI; Kauai HI; Maui HI; Boise ID; East ID ID; Lewiston ID; Twin Falls ID; Bloomington IL; Carbondale IL; Chambana IL; Chicago IL; Decatur IL; La Salle County IL; Mattoon IL; Peoria IL; Rockford IL; Springfield IL; Western IL IL; Bloomington IN; Evansville IN; Ft Wayne IN; INpolis IN; Kokomo IN; Lafayette IN; Muncie IN; Richmond IN; South Bend IN; Terre Haute IN; Cedar Rapids IA; Des Moines IA; Dubuque IA; Fort Dodge IA; IA City IA; Mason City IA; Ottumwa IA; Quad Cities IA; Sioux City IA; Waterloo IA; Lawrence KS; Manhattan KS; Topeka KS; Wichita KS; Bowling Green KY; Eastern KY KY; Lexington KY; Louisville KY; Owensboro KY; Western KY KY; Baton Rouge LA; Lafayette LA; Lake Charles LA; Monroe LA; New Orleans LA; Shreveport LA; Portland ME; Lewiston ME; Bangor ME; West Scarborough ME; Annapolis MD; Baltimore MD; Cumberland Valley MD; Eastern Shore MD; Frederick MD; Western MD MD; Boston Massachusetts; Cape Cod Massachusetts; South Coast Massachusetts; Springfield Massachusetts; Worcester Massachusetts; Ann Arbor MI; Battle Creek MI; Central MI MI; Detroit MI; Flint MI; Grand Rapids MI; Holland MI; Jackson MI; Kalamazoo MI; Lansing MI; Monroe MI; Muskegon MI; Northern MI MI; Port Huron MI; Saginaw MI; Southwest MI MI; Upper Peninsula MI; Duluth MN; Mankato MN; Minneapolis MN; St Paul MN; Rochester MN; St. Cloud MN; Biloxi MS; Hattiesburg MS; Jackson MS; Meridian MS; Natchez MS; North MS MS; Columbia/Jeff City MO; Joplin MO; Kansas City MO; Kirksville MO; Lake of the Ozarks MO; Southeast MO MO; Springfield MO; St. Joseph MO; St. Louis MO; Billings MT; Missoula MT; Great Falls MT; Bozeman MT; Butte MT; Grand Island NE; Lincoln NE; North Platte NE; Omaha NE; Scottsbluff NE; Las Vegas NV; Reno NV; Manchester NH; Nashua NH; East Concord NH; Concord NH; Derry Village NH; Central Jersey NJ; Jersey Shore NJ; North Jersey NJ; South Jersey NJ; Albuquerque New Mexico; Santa Fe New Mexico; Albany NY; Binghamton NY; Buffalo NY; Catskills NY; Chautauqua NY; Elmira NY; Finger Lakes NY; Glens Falls NY; Hudson Valley NY; Ithaca NY; Long Island NY; New York City NY; Oneonta NY; Plattsburgh NY; Potsdam NY; Rochester NY; Syracuse NY; Twin Tiers NY; Utica NY; Watertown NY; Westchester NY; Asheville NC; Boone NC; Charlotte NC; Eastern NC; Fayetteville NC; Greensboro NC; Hickory NC; Outer Banks NC; Raleigh NC; Wilmington NC; Winston Salem NC; Fargo ND; Akron OH; Canton OH; Ashtabula OH; Athens OH; Chillicothe OH; Cincinnati OH; Cleveland OH; Columbus OH; Dayton OH; Huntington/Ashland OH; Lima/Findlay OH; Mansfield OH; Sandusky OH; Toledo OH; Tuscarawas County OH; Youngstown OH; Zanesville/Cambridge OH; Lawton OK; OK City OK; Stillwater OK; Tulsa OK; Bend OR; Corvallis OR; East OR OR; Eugene OR; Medford OR; OR Coast OR; Portland OR; Roseburg OR; Salem OR; Allentown PA; Altoona PA; Cumberland Valley PA; Erie PA; Harrisburg PA; Lancaster PA; Meadville PA; Philadelphia PA; Pittsburgh PA; Poconos PA; Reading PA; Scranton PA; State College PA; Williamsport PA; York PA; Providence RI; Warwick RI; Cranston RI; Pawtucket RI; East Providence RI; Woonsocket RI; Charleston SC; Columbia SC; Florence SC; Greenville SC; Hilton Head SC; Myrtle Beach SC; Sioux Falls SD; Rapid City SD; Aberdeen SD; Chattanooga TN; Knoxville TN; Memphis TN; Nashville TN; Tri-cities TN; Abilene TX; Amarillo TX; Austin TX; Beaumont TX; Brownsville TX; College Station TX; Corpus Christi TX; Dallas TX; Denton TX; El Paso TX; Fort Worth TX; Galveston TX; Houston TX; Huntsville TX; Killeen TX; Laredo TX; Lubbock TX; Mcallen TX; Odessa TX; San Antonio TX; San Marcos TX; Texarkana TX; Texoma TX; Tyler TX; Victoria TX; Waco TX; Wichita Falls TX; Logan UT; Ogden UT; Provo UT; Salt Lake City UT; St. George UT; Burlington VT; Essex Junction VT; Bennington VT; Charlottesville VA; Chesapeake VA; Danville VA; Fredericksburg VA; Hampton VA; Harrisonburg VA; Lynchburg VA; New River Valley VA; Newport News VA; Norfolk VA; Portsmouth VA; Richmond VA; Roanoke VA; SouthWV VA; Suffolk VA; VA Beach VA; Bellingham WA; Everett WA; Moses Lake WA; Olympia WA; Pullman WA; Seattle WA; Spokane WA; Tacoma WA; Tri-cities WA; Wenatchee WA; Yakima WA; Charleston WV; Huntington WV; Martinsburg WV; Morgantown WV; Parkersburg WV; Southern WV WV; Wheeling WV; Appleton WI; Eau Claire WI; Green Bay WI; Janesville WI; La Crosse WI; Madison WI; Milwaukee WI; Racine WI; Sheboygan WI; Wausau WI; Cheyenne WY; Casper WY; Laramie WY; Gillette WY;