AMBestadultdaycareWord文档格式.docx

1、AUTOMOBILE LIABILITY4Higher if insured provides transportation. AUTOMOBILE PHYSICAL DAMAGE-GENERAL LIABILITY5PRODUCT LIABILITY AND COMPLETED OPERATIONSLower if clients provide their own food; higher for centers staffed with volunteers.PROFESSIONAL LIABILITY ENVIRONMENTAL IMPAIRMENT LIABILITYWORKERS

2、COMPENSATIONCRIME2FIRE AND E.C.3Higher in older buildings.BUSINESS INTERRUPTION6Immediate availability of replacement space critical.INLAND MARINE BOILER AND MACHINERYLow 1-3, Medium 4-6, High 7-9, Very High 10 SIC CodeSIC Classification 8052Intermediate Care8059Nursing and Personal Care, NEC8322Ind

3、ividual and Family Social Services8641Civic, Social, and Fraternal AssociationsISO CodeISO Classification 44431Health Care Facilities - Homes for the Aged44437Health Care Facilities - Homes for the Physically Disabled/Orphans 61000Boarding or Rooming HousesSpecial Exposures Swimming poolsInadequate

4、food storageClient abuseMulti-level facilitiesPrescription medications Related Classifications Daycare CentersHospice FacilitiesNursing HomesOutpatient Health Care FacilitiesSpeech Language Pathologists RISK DESCRIPTION a170r.Throughout life, we are tasked with the responsibility of caring for our f

5、amilies. As we get older, that responsibility often includes caring for a parent or spouse, or functionally or cognitively impaired siblings or children who have reached the age of majority. Illness and disability can cause a difficult situation to become impossible; the stresses of everyday life -

6、financial pressure, employed caregivers, costs of family care - overload us and make the responsibility of family care even more challenging. Most people who care for infirm family members feel a strong sense of obligation and desire to keep their loved ones out of institutions and in a home environ

7、ment. Many people in the 1990s have found that one income is not enough to support a family and that a second income is necessary; often, the family member who would be the caregiver has to find employment outside the home. Just as the need for childcare gave rise to the growth of daycare centers to

8、 provide care for the children of working parents, the need for eldercare is creating a demand for centers that can provide the supportive services necessary to assist working families in this endeavor. Additionally, many elderly people who are alone but otherwise healthy may suffer from loneliness

9、and a desire to socialize with others. Adult daycare centers have been developed to fill this void. The need for adult daycare has never been greater and will continue to grow; meeting the needs of the rapidly growing population of the elderly has become a priority in the 1990s. Twenty years ago, fe

10、wer than 100 adult daycare centers existed; presently, there are approximately 3,000 adult daycare centers in the United States and more are needed. The number of elderly parents with adult children will nearly double by 2030 with families providing 80% of long term care. By 2010, one out of every s

11、even Americans will be over 65, and the segment of that senior citizen population growing the fastest will be those 85 and over, including over 100,000 centenarians. Families attempt to solve their adult daycare needs in many ways. Some families arrange to have other family members, friends, or neig

12、hbors care for older or infirm relatives; however, this traditional source of care is becoming rare since todays economy increasingly pressures those individuals to work. Some families will arrange their work hours so that someone is always at home. Other families choose from a variety of community-

13、based arrangements. Some common arrangements include: senior centers, adult foster care, continuing care retirement communities, assisted living facilities, respite care, and adult daycare. Senior centers are often located in senior housing, churches or synagogues, veterans halls, or schools. They a

14、re usually drop-in facilities, and those who attend organize their own games or other projects. Hot food or snacks may be available. Adult foster care provides a program for seniors who are experiencing increased difficulty living alone safely. These programs work by bringing seniors in touch with p

15、ersons in the community who are willing to open their homes and function as caregivers. Most caregivers provide housing and appropriate care and also receive training and organizational support from local centers on the aging. Adult foster care programs provide room and board and personal care servi

16、ces in a residential setting for individuals who have functional impairment and require supervised living. Continuing Care Retirement Communities （CCRC） create a campus-like environment where residents begin by living in an apartment, then later move to an assisted-living unit or a nursing facility

17、as their ability to care for themselves declines. Assisted living facilities, a type of CCRC, offers home-like residences that include daily meals, help with bathing and dressing, 24-hour supervision, and limited nursing services. Assisted living arrangements can be provided in a variety of settings

18、, including free-standing facilities; facilities close to or integrated with skilled nursing facilities; components of continuing care retirement or life care communities; or independent housing complexes. Respite care provides home- and/or community-based assistance for primary caregivers of severe

19、ly disabled persons, and enables informal caregivers （such as family members） to work, while providing them with relief from the stress of full-time care. Adult daycare represents a hybrid of home care and nursing homecare. It offers clients the opportunity to socialize, enjoy peer support, and rece

20、ive health and social services in a safe, familiar environment - typically, a local community facility. It also provides respite for caregivers responsible for a person who cannot be left alone, but who also does not require 24-hour nursing care in a residential facility. Adult daycare services ofte

21、n will include care and supervision; small group and individual activities; nutritious meals; transportation; case management; recreation and exercise; nursing care; education; family counseling; assistance with activities of daily living; and occupational, speech, and physical therapies. Generally,

22、 clients are ambulatory or mobile （able to move independently with the aid of a wheelchair, walker, or crutches）. Adult daycare centers can be free-standing occupancies or they can be affiliated with a hospital or nursing facility. This classification will focus on adult daycare centers for the elde

23、rly operating as independent centers not affiliated with other organizations or businesses. The exposures discussed here also may be applied to the other types of adult daycare arrangements as well. Adult daycare centers come in two forms: the social center model and the medical center model. The so

24、cial center model primarily attempts to alleviate feelings of loneliness and isolation among older adults, while fostering group participation and feelings of belonging. Services provided traditionally focus on recreational and group activities. These centers cater to adults whose physical condition

25、 is stable and who function independently in activities of daily living. Social daycare centers can be quite informal, as there are no regulations governing them and no licenses are required. Presently, there are no staffing requirements, mandated activities, or staff qualifications. Medicaid usuall

26、y does not cover social daycare centers, although some funds can be obtained if the client is involved with a program that caters to those with a chronic ailment （e.g., Alzheimers or Parkinsons disease）. In these cases, a medical chart is often required for clients covered under this program. Some i

27、nsurance companies are beginning to offer adult daycare coverage as part of their new long-term care policies; also, it may be possible to negotiate for coverage under older policies. Most clients in a social daycare program are funded through private sources, such as family or individual income. Th

28、e rates that can be charged for a social daycare center are traditionally lower than those for a medical daycare center since fewer services are provided. Centers can be sponsored by churches, recreation or adult education departments of the local municipality, private organizations, and/or corporat

29、ions. The medical center model, on the other hand, provides health and rehabilitation services in addition to recreational services. The intent is rehabilitation or maintenance of each persons highest level of functioning and independence. Medical model facilities are traditionally staffed by health

30、 care professionals and cater to those individuals in need of physical assistance or structured environments. A suggested minimum staff ratio is one staff member to every six clients. Funding for medical daycare centers is more varied than that for social models; a client can pay with private funds

31、or through funds available from medical disability programs （e.g., the Community Care Program for the Elderly and Disabled, or an Alzheimers grant）. Medicaid payments can be applied in certain instances. （Medicaid pays for health-care services for the very poor of any age. To qualify, nearly all of a patients assets