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Submitted URL: http://morningstarseniorliving.com/
Effective URL: https://www.morningstarseniorliving.com/
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Submission: On May 08 via api from DE — Scanned from DE
Effective URL: https://www.morningstarseniorliving.com/
Submission Tags: tranco_l324
Submission: On May 08 via api from DE — Scanned from DE
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Press Alt+1 for screen-reader mode, Alt+0 to cancelAccessibility Screen-Reader Guide, Feedback, and Issue Reporting * Home * Find Your Community * Our Heart * In the Beginning * Culture of Radiance * Philanthropy * First Steps * FAQs * Decision Guide * Affordability * Veterans * Rooted Blog * Lifestyle Options * Independent Living * Assisted Living * Memory Care * Wellness * Life Enrichment * Dining Experience * Clinical Services * Leadership * Contact Us * Careers * Resident BillPay * Find Community * Contact Us * Leadership * Careers * Resident BillPay × * Our Heart * In the Beginning * Culture of Radiance * Philanthropy * First Steps * FAQs * Decision Guide * Affordability * Veterans * Rooted Blog * Lifestyle Options * Independent Living * Assisted Living * Memory Care * Wellness * Life Enrichment * Dining Experience * Clinical Services 844.501.0089 HOME ABUNDANT LIFE FIND A MORNINGSTAR SEARCH NOW CONTACT US SCHEDULE TOUR ABUNDANT LIFE FIND A MORNINGSTAR SEARCH NOW CONTACT US SCHEDULE TOUR ABUNDANT LIFE FIND A MORNINGSTAR SEARCH NOW CONTACT US SCHEDULE TOUR Independent Living Choose Community Life for its companionship, activities and predictable budgeting. The Adventure Continues Assisted Living Preserve your freedom by leaning on someone else occasionally. A Little Help from my Friends Memory Care Discover ways to connect and nurture the human essence, whatever the extent of memory loss. Enter, Embrace, Explore 🡥 OF GREATER PURPOSE (2-MINUTE VIDEO) POWER OF LOVE (2-MINUTE VIDEO) Our Mission Honor God | Value All Seniors | Invest Generously WHAT DO SENIORS ESSENTIALLY WANT? WHAT DO WE ALL WANT? To be valued at our core; To be seen as significant; To be looked squarely in the eyes and loved. — KEN JAEGER, FOUNDER/CEO (3-MINUTE VIDEO) Up & Coming View Now (224) 457-6802 California, Colorado Nevada, Oregon CAREERS WORK THAT MATTERS… FIND IT HERE SEARCH NOW Education & Inspiration for Seniors All Blog Posts * Ways to Promote ALS Awareness in Memory Care Patients May 03rd, 2024 Familiarizing yourself with the 11 ways to promote ALS awareness in me... * 5 Key Sharp Injury Prevention Awareness Subjects For Senior Living Environments April 15th, 2024 By following these 5 crucial sharp injury prevention tips you or your ... 844.705.0209 RESOURCES Home Page Find Community Leadership Contact Us Under Development Resident BillPay Welcome to MorningStar Living® Privacy Policy OUR HEART In the Beginning Culture of Radiance Philanthropy FIRST STEPS FAQs Decision Guide Affordability Veterans Rooted Blog LIFESTYLE OPTIONS Independent Living Assisted Living Memory Care WELLNESS Life Enrichment Dining Experience Clinical Services × Website: Colorado Creative Designs, LLC © 2024 · MorningStar Senior Living • All Rights Reserved • Privacy Policy • SMS Policy • Site Map * Request a Call BRIDGE LOANS It’s not uncommon for families to be short on funds when transitioning a loved one into a senior community. The ElderLife Bridge Loan allows you to pay for rent and care in the short term while waiting for other funds to come in. Common financial shortfalls include the time that it takes to list and sell a home, or the waiting period before receiving VA Benefits. The Bridge Loan is designed like a line of credit, bridging the financial shortfall for up to 12 months. The loan is unsecured (no collateral needed) and approved quickly with no penalty for early payoff and affordable interest payments as low as $8 per $1000 borrowed. To learn more about the ElderLife Bridge Loan, call 877.664.1710 or Click Here. x REVERSE MORTGAGE When one partner needs assisted living, and the other partner chooses to remain living in a private home, a reverse mortgage may be a good solution to help pay for increased expenses. Without affecting Medicare or Social Security benefits, reverse mortgages allow a homeowner to stay in the home and withdraw from the equity that the couple has built. Mortgage holders get tax-free cash flow as a loan against that equity, a loan that doesn’t need to be repaid until the house is sold or the owner moves out or dies. Be sure to vet lenders and their terms thoroughly before making any decision. If you would like to be connected to a trusted, licensed reverse mortgage partner, call 877.664.1710. x LONG-TERM CARE INSURANCE Long-term care insurance helps pay for senior care and protect personal assets by covering expenses up to the amounts set forth in the policy. LTC insurance pays for a variety of services in senior communities, and can offer care options that may not be covered through the federal subsidies of Medicare and Medicaid (see below section). LTC policies can be complex and it may be difficult to understand and activate your policy. If you have questions about your Long-term Care policy, call 877.664.1710 to be connected with an expert for a free policy review. x SELLING THE HOME The equity built up in a private home is typically a retiree’s largest asset, making the proceeds from selling extremely helpful when transitioning to a senior community. However, selling a home in a timely manner can be challenging and time-consuming. This is especially true when adult children are not living near to assist. Many families find it helpful to work with a Real Estate Professional experienced with all aspects of selling a senior’s home. From packing and cleaning to listing and selling, ElderLife’s agents are ready to assist with the entire process to simplify a senior transition. To be connected with a local agent, call 877.664.1710. x SOCIAL SECURITY Approach Social Security (SS) benefits tactically. Historically, it was wise to take SS benefits early and invest them. Today, that’s not necessarily so. Maximized benefits may best be found through delayed retirement credits. Depending on your birth year, benefits increase by 3-8% annually. If you wait until age 70 to collect, that monthly check could increase by 25% or more. And a surviving spouse receives the entirety of that benefit upon the worker’s death, making delayed retirement credits even more valuable. Study the new rules to choose your best course. Click here for original source info. x MEDICARE Think of Medicare as health insurance for those 65 years and older, regardless of income. While Medicare never pays for assisted living, it is designed to help fund certain postacute expenses in the first 100 days, namely hospitalization and rehab, as long as the person’s health is improving. Once you’ve plateaued, Medicare stops paying. Benefits may be available for home health care, but only if certain conditions are met. Medicare Part A covers hospice (palliative care) for the actively dying, regardless of income, including in a senior living community. Click here for original source info. In contrast, Medicaid is a federal government program that subsidizes the medical expenses (including certain health services and nursing home care) for low income people of all ages. MorningStar does not accept Medicaid. Click here for more information. x LEVERAGE LIFE INSURANCE POLICIES Whole life and universal life policies build a reserve of cash through interest-earning excess premiums (known as the policy’s “cash value”). In some situations, life insurance can be a source of ready funds through cash surrender, death benefit loans, accelerating death benefits, life (or viatical) settlements, or even selling the policy on the open market for immediate cash. Before acting on any of these methods, consult a financial advisor, as there may be tax consequences. Life Care Funding can also help you determine whether a policy can be converted. Click Here x TAX BENEFITS The IRS allows certain deductions on a federal tax return for the cost of housing and meals of those receiving long-term care in a senior community due to chronic illness or the inability to live alone. Assisted living residents may qualify for these deductions if a physician certifies that they have been unable to perform at least two activities of daily living (such as eating, bathing or dressing) without assistance for at least 90 days. The same deductions can apply to those who require substantial supervision due to memory impairment. An adult child paying for a parent’s care may also qualify for the tax deductions, if the child can claim the parent as a dependent. Consult a tax advisor for further information or visit the Internal Revenue Service (IRS) Click Here. x COMPANION LIVING MorningStar offers Companion Living in all of our communities, where two unrelated people of the same sex share a suite, whether in independent living, assisted living or memory care. Not only does this living arrangement enhance life by its camaraderie, it also extends savings. x Virtual Tour TEST https://mstarinteractive.com/tours/mission-viejo/amenities/ x We use cookies for functions and purposes explained in our privacy policy. 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background-image:url(\"data:image/svg+xml;base64,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\");\n 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}\n \n .TestimonialPanel.has-backdrop-image .client {\n padding-top: 0 !important;\n }\n \n \n div.stars-wrapper{\n display: none;\n }\n \n .TestimonialPanel.has-backdrop-image::before{\n background: transparent !important;\n }\n \n .TestimonialPanel{\n width: 275px !important;\n }\n \n .TestimonialPanel .footer{\n width: 170px !important;\n min-height: 420px !important;\n max-height: 450px !important;\n background-color: #ffffffde;\n border-radius: 10px !important;\n }\n \n .Overlay .OverlayContent .StepsPanel{\n width: calc(100vw - 275px);\n left: 275px;\n }\n \n \n \n @media only screen and (min-width: 993px) {\n .Overlay .OverlayContent .top-bar {\n left: 275px !important;\n }\n }\n \n \n @media only screen and (min-width: 1920px) {\n .Overlay .OverlayContent .top-bar {\n left: 390px !important;\n }\n }\n \n \n \n div.TestimonialPanel div.main span.community{\n display: none !important;\n }\n \n .SmsOptOut button{\n text-decoration: underline !important;\n }\n \n }\n \n @media only 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70px;\n}\n\n.TestimonialPanel .phone {\nmargin-top: 10px;\n}\n\ndiv.button-wrapper button {\nfont-size: 16px !important;\n}\n\n\nbutton.vsa-button.start-over-button {\ndisplay: none !important;\n}\n\n.community-actions .visit, .community-actions:visited {\n font-size: 16px;\n color: #fff;\n border: 1px solid var(--brandColor);\n padding: 16px 39px;\n background-color: var(--brandColor);\n font-weight: 600;\n font-family: \"Raleway\",sans-serif !important;\n}\n\n\n.community-actions .visit, .community-actions:visited {\nalign-text: center;\n}\n\n.quote-container {\n position: relative;\n display: flex;\n flex-direction: row;\n align-items: center;\n justify-content: center;\n}\n\n\n\n\n.quote-container::before {\n content: '“';\n font-size: 30px; /* Larger size for quotes */\n font-family: 'Playfair Display', serif !important;\n position: absolute;\n top: -10px;\n left: 7px;\n transform: translate(-100%, 0); /* Adjust positioning */\n}\n\n.quote-container::after {\n content: '”';\n font-size: 30px; /* Larger size for quotes */\n font-family: 'Playfair Display', serif !important;\n position: absolute;\n bottom: 27px;\n right: 7px;\n transform: translate(100%, 100%); /* Adjust positioning */\n}","createURL":"https://api.talkfurther.com/api/create/profiles/143812","spaceBarHijacked":false,"apiUpdateLeadURL":"https://api.talkfurther.com/api/leads/:lead_id","apiChatStartURL":"https://api.talkfurther.com/api/chat/start/143812","apiChatUpdateURL":"https://api.talkfurther.com/api/chat/update/143812","apiLocationsURL":"https://api.talkfurther.com/api/chat/search/143812","apiChatEventURL":"https://api.talkfurther.com/api/chat/store_event","apiLoggingUrl":"https://api.talkfurther.com/api/chat/log","apiChatOutOfBudgetURL":"https://api.talkfurther.com/api/chat/out_of_budget","apiResendLeadEmailURL":"https://api.talkfurther.com/api/chat/resend-lead-email","apiJobApplicantURL":"https://api.talkfurther.com/api/chat/applicants","apiOptOutUrl":"https://api.talkfurther.com/api/chat/opt-out","apiCommunityTestimonialsURL":"https://api.talkfurther.com/api/chat/communities/61c444ef-1894-45d0-91e2-067864323a50/testimonials","apiButtonURL":"https://api.talkfurther.com/api/chat/button/update/143812","buttons":[],"images":null,"imagesUrl":null,"floorplans":[],"floorPlanUrl":null,"videos":[],"videosUrl":null,"digital_tours":[],"staff":[],"sameDayTour":false,"nextDayTour":true,"showTitleFlash":true,"startingCost":0,"endingCost":null,"prices":[],"pricingServicesText":"Services included with monthly rent","pricingGalleryText":"View Photos","pricingType":"Monthly Rent","weekendInactive":false,"disableSmallerDevices":false,"disableMobile":false,"filterPricing":false,"fullNameRequired":false,"timesAvailable":{},"timezoneName":"America/Denver","timezoneOffset":"-06:00","modulesByName":{"OPEN_JOBS":90},"maxPhoneAttempts":null,"disabledDays":[],"iaMaxAttempts":2,"iaProceedMessage":"","iaProceedOnError":true,"iaScheduleTourButtonText":"","showIaFeedback":true,"teaserShowAllAnswers":false,"showFurtherLogo":false,"showSMSandCallBadges":false,"isSherpa":false,"tourSlideButtonText":"","useFancyTourButton":false,"buttonsBorderRadius":0,"webFormInstances":[],"captureWebforms":false,"communityPhoneNumber":"844.501.0089","interestedCount":0,"useClientSideRouting":false,"isFloatingChat":false,"minimizeChatOnOutsideClick":false,"delayLoading":0},"modules":{"1":{"text":"# Thank you for your interest in MorningStar!\n## How can we help you?","number":1,"type":"option","key":"what","pk":287947,"split_test":null,"skip_answered":false,"action":90,"answers":[{"text":"Schedule Tour","icon":null,"action":90,"id":619060,"rank":0,"split_test":null},{"text":"Find a Community","icon":null,"action":90,"id":592844,"rank":1,"split_test":null},{"text":"Employment","icon":null,"action":90,"id":592630,"rank":2,"split_test":null}]},"90":{"text":"What is your zip code?","number":90,"type":"text","key":"zip","pk":287985,"split_test":null,"skip_answered":false,"action":91},"91":{"text":"We were not able to find any locations. Please click \"View All Locations\" for a full list of our communities.","number":91,"type":"locations","key":null,"pk":287986,"split_test":null,"skip_answered":false,"action":null,"answers":[{"text":"View All Locations","icon":null,"action":92,"id":607443,"rank":0,"split_test":null},{"text":"Go Back To Start","icon":null,"action":1,"id":569442,"rank":1,"split_test":null}]},"92":{"text":null,"number":92,"type":"link","key":null,"pk":287987,"split_test":null,"skip_answered":false,"action":null,"link_href":"https://www.morningstarseniorliving.com/find-a-community/"},"93":{"text":"# What type of care are you most interested in?","number":93,"type":"option","key":"care","pk":366525,"split_test":null,"skip_answered":false,"action":null,"answers":[{"text":"Independent Living","icon":null,"action":94,"id":712237,"rank":0,"split_test":null},{"text":"Assisted Living","icon":null,"action":94,"id":712238,"rank":1,"split_test":null},{"text":"Memory 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Does the household have over $155,000 in liquid assets?","number":114,"type":"option","key":null,"pk":367133,"split_test":null,"skip_answered":false,"action":null,"answers":[{"text":"Yes","icon":null,"action":115,"id":713443,"rank":0,"split_test":null},{"text":"No","icon":null,"action":115,"id":713444,"rank":1,"split_test":null}]},"115":{"text":"# Does the veteran own the home?","number":115,"type":"option","key":null,"pk":367134,"split_test":null,"skip_answered":false,"action":null,"answers":[{"text":"Yes","icon":null,"action":116,"id":713445,"rank":0,"split_test":null},{"text":"No","icon":null,"action":116,"id":713446,"rank":1,"split_test":null}]},"116":{"text":"# With Whom do we have the pleasure of working with today?","number":116,"type":"contact_info","key":"contact_info","pk":367135,"split_test":null,"skip_answered":true,"action":117},"117":{"text":"# Thank you so much for sharing this information. \n# Someone from our team will be in touch shortly to assist 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