Independent Living Facilities Insurance and Elderly Residents

Independent Living Facilities Insurance and Elderly Residents

Independent living is simply any housing arrangement designed exclusively for seniors, generally those aged 55 and over. This age group is perhaps more susceptible to injury due to the degenerative aspects of getting older. Independent living facilities insurance is required for these businesses in order to provide the necessary payment of settlements, or care and treatment of those who experience an issue where an insurance claim results.

These centers are aimed at older adults who need little or no assistance with activities of daily living. As such, most do not offer medical care or a nursing staff, but as with any aging group, there is the potential for accidents due to diminishing hearing and eyesight, which increases the possibility that accidents leading to injuries might ensue.

The right choice for many elderly people

There are several different types of housing arrangements available, from apartment-style living to freestanding homes. Families choose to move loved ones into these facilities for a number of positive reasons, sometimes because the housing is friendlier to older adults, or because it is more compact, with easier navigation and without the need to provide for maintenance or having yard work to worry about.

While residents live independently, most communities offer amenities, activities, and services, which is good because it brings opportunities to develop friendships and even romances may blossom. Often, recreational centers or clubhouses are available on site to give seniors the opportunity to connect with peers and participate in community activities, such as arts and crafts, holiday gatherings, continuing education classes, or movie nights. Other services offered by independent living facilities may include spas, beauty and barber salons, and basic housekeeping and laundry services.

Independent living communities may also offer facilities such as a swimming pool, fitness center, tennis courts, even a golf course. But as nice as it is that these activities are often made available they come with inherent risks and exposures that also must be contended with. Slips and falls, contusions and concussions and a plethora of other incidents can all occur during a swim or a friendly game of golf or tennis.

These facilities are like a second chance at a new life with new friends and new experiences, but these facilities could be second-guessed if someone is badly hurt while living and interacting in their new surroundings. Independent living facilities insurance will provide the protection these organizations should not operate without.