Choose a retirement home carefully

Picking a retirement home isn’t easy, whether you’re helping someone with this decision or choosing for yourself. There are a number of things to consider:

•Space — How large are the accommodations? Too often seniors find that they have to leave behind a lifetime of belongings. Will you have enough space to bring along a few cherished mementos? Are any furnishings or storage areas provided?

•Dining facilities — Having both an onsite dining room, as well as cooking facilities in your own space, can provide variety. Are there restaurants nearby for more options?

•Activities, amenities and extras — Scheduled activities, combined with short planned trips, can mean you’ll have plenty to do. If you have a special interest, such as swimming or tennis, is that available? Is there laundry service or housekeeping?

•Proximity to friends and family — Will it be easy for those you care about to come visit you, or for you to travel to them? Are there restrictions on visiting hours and times?

•Medical care — You may need different levels of medical care within the facility — independent living, assisted living or nursing facilities — if your health changes.

•Site security — Is there 24-hour security and limited access to the building?

•Finances — Your financial options will likely be your most serious concern. Retirement facilities can be expensive to get into, especially those that include optional upgraded medical care. Ask about fees to get in, cost of utilities, recreation fees, monthly fees and any miscellaneous costs.

•Pets — Many seniors have a small pet. Will yours be allowed?

•Waiting list — The more desirable a retirement home is, the more likely there is a long waiting list.

•Rule of thumb: Apply while you’re still healthy. Once a health problem surfaces, you might have a hard time being admitted to the retirement community of your choice.