Adult Day Care and Long Term Care Insurance Can Help Those in Need of Caring for Elderly Loved Ones
Friday, April 20, 2012
Two months ago, Anna Gamez had a tough time taking care of her children and attending to her aging
grandmother at the same time. While she and other family members found it more and more difficult to
give 83-year old Maria Inez Gamez the care and attention she needs every day, putting her in a nursing
home is not one of their options. Then everything changed when Anna discovered On Lok Lifeways
when 2012 rolled in.
Prior to the availability of Senior Day Care services, many families had been struggling to find ways to
care for loved ones in this situation. Also the issue of costs is heavy on their thoughts. But many of these costs may be covered by Long Term Care Insurance
“With my kids needing a substantial part of my time each day, taking care of Grammy was becoming a
challenge for all of us,” the 30-year old mother of two shares. “On Lok Lifeways is just like a dream
come true for our family.” Maria Inez Gamez is currently enrolled in the San Francisco-based senior “day care” where she is seen to by healthcare professionals from morning to late afternoon.
Some experts have even suggested that a Long Term Care Insurance plan would be beneficial to those who find themselves in similar situations, and have suggested that the best way to start is to request a
Long Term Care Insurance Quote from a reputable company.
In a nutshell, On Lok Lifeways is a community-based senior care facility that helps busy families who
need assistance with their aging adults. Established over three decades ago by residents of North Beach
and Chinatown, On Lok’s day care and medical services cater to senior citizens aged 60 or older who are
eligible for admission to a skilled nursing community. This covers golden agers who suffer from terminal
illnesses as well as cognitive and physical difficulties that can hamper their ability to take care of
Apart from comprehensive medical attention, On Lok Lifeways also provides healthy meals, physical
therapy sessions and other beneficial activities for seniors. On Lok’s program became so popular among
San Francisco residents that it became the model for the government’s Program of All-inclusive Care for
the Elderly (PACE), a federal-funded senior care advocacy that helps aging adults live comfortably
without having the need to leave their respective residences and families. Although some of these programs
are funded by the government, not all costs will be covered, and experts have suggested obtaining
additional coverage from a long term care insurance plan.
On Lok’s chief executive, Robert Edmondson, informs that they already have eight centers in San
Francisco and are looking to put up more in nearby localities like San Jose. “The positive reception that
we are having is just amazing,” says Edmonson, who is also the chairman of the California PACE
Association. “With the steadily rising number of aging adults nationwide, we’d like to do our share to
help as much families as we can so they won’t have to put their senior family members in nursing
Paying for these types of very helpful services can be challenging if not prepared for in advance. One of the best ways to do that is to request a LTC Insurance quote.
Anna Gamez shares that discovering On Lok Lifeways is one of the best gifts she and her family received
this year. “We are very thankful that we have found a place where Grammy can be taken care of
properly without having to displace her from where she really belongs,” Gamez adds. “And that place is
our home sweet home.”