What is Kin-Keepers' value?
Blessed are the Kin-Keepers that unite the family. Kin-Keepers addresses the aging narrative with a continuum of solutions that begin with early retirement and continue into the end of life. Along the way, we provide physical and emotional tools that allow Seniors to first Age in Place, then Age Together in Co-Housing dwellings among Families and Friends. We are keen to tackle the affordability of retirement and long life, now facing over 50 million Americans, and millions more around the world. We don’t only focus on Physical matters, but on behavioral-emotional needs too. The package makes for a maximum of self-sufficiency without undue burden on Carers.
People are living longer with less offspring and the institutions for aging no longer suffice. Traditional cultural ways of retiring will not work as they once did. Furthermore, many seniors have not been able to save enough to carry them through retirement. Currently, the average monthly Social Security benefit for retired American workers is only around $1,360. That's less than $16,320 per year when reduced by an automatic Medicare deduction, ($144.60 in 2020 up to $9.10 from $135.50 in 2019) which isn't enough to cover the basic needs. (2020 update: Social Security recipients will get a 1.6 percent cost-of-living adjustment (COLA) in their monthly benefits starting in January. The average individual retired Social Security beneficiary is expected to see a monthly benefit jump from $1,479 to $1,503, an increase of roughly $24 per month or $288 for the year.) Why despair when aging folk can band together with Family and Friends, pooling their Social Security checks or pensions to meet their evolving needs?
What is offered for the Behavioral-Emotional Side of Care?
As humans age, culture erodes identity. First with Ageism, then with seclusion and finally neglect. Young families have to participate in fast-paced, competitive and always chased-for-time lives. For them, it gets harder and harder to afford attention to parents and challenged loved ones. To that end, Kin-Keepers offers tools to bridge the gap. We start with Family Tree news delivered over Alexa or Google Home. It is also optionally available online as a dynamic, interactive Family Tree. Here is how it works: Grandma gets voice mail updates from the family and proceeds to curate the information for the rest of the clan. This activity only requiring voice (no computer skills) allows Grandma to contribute purposefully to the task of family Kin-Keeping while sharing the most expansive view of any in the family. Along the way, an AI Guardian PET assists with names, dates and other memories that may fall away as Grandma ages. The AI PET also listens for voice Bio-markets that alert the family to moods, health conditions and more. All Kin-Keepers' emotional tools are FREE.
What is available for the Physical Side of Care?
We offer best of breed solutions from around the world that facilitate life. Things like Exoskeletons, Stair Climbers, Wearables and Mobility aids all come into play at the right time. The solutions are previewed in TV videos where Seniors select and evaluate them for use. Viewers of the series also get a chance to vote and share opinions with others. The products are then sourced at a group discount for those in need, often with assistance from Government Agencies. Eventually, Ageing in Place, at home gives way to Multigenerational Co-Housing.
Does this form of later in life, long term care association have a name?
Yes, it is called by its acronym “FLOORS.” It stands for Family (or Friends) Living Only On Retirement Savings – It represents continued economic self-sufficiency for later in life Seniors through Co-housing with Family and Friends and participation in Coop Supply services. For many, it is the only viable way to avoid an unfamiliar and expensive nursing home. We aim to replace the fear of aging alone with the satisfaction of growing older among family and friends. Peace of mind for all.
How does this work?
Envision a high-tech cooperative village, where family and friends retire together. If you own a home, you can share it with relatives and close friends. They, in turn, may be able to do the same and make for seasonal living in different places. If you have been renting, you may be surprised to learn that your FLOORS team can buy a home in out of the way destinations or build by choosing one of the specially designed models that are constructed to lower costs. It all depends on how many members you bring in. Yours becomes a Smart Home. The structures come with roof solar cells, heat evaporation walls, rainwater catchment, "granny farming," and more. All these innovations provide a small profit back to its group. Smart high tech is used to monitor the health of residents and when possible, bring in telemedicine. Everything from autonomous vehicle transportation to skilled nursing exists, through shared coop buying services. There is a spiritual component, too. Best of all, grand-kids are welcome!
What if I want to stay put in my present home?
You can; just join the FLOORS online, in a virtual way. This will allow you to stay in touch with your closest Family and Friends. Even as a virtual member, you can share in the Coop Services. However, at some point, you may opt for closer proximity and assistance of family members and friends, not the strangers you would encounter in a nursing or assisted living home. Plus, it will cost you much less.
What if my spouse disagrees with me?
It’s not uncommon for husbands and wives to see retirement needs differently. In America, men are expected to be self-reliant, individuals. Women are more social, collaborative. Longevity patterns make these harder too, because men often die before women, and rarely face retirement alone. Moreover, traditional multi-generational co-housing falters when Grandma moves in with the family at very old age; it’s hard for a 70-year-old to take care of a 90+-year-old parent. Conditions like stroke, dementia or Alzheimer’s require full-time care. All of which are obtained through Cooperative FLOORS.
What’s the best time to form a FLOORS and what happens if I don’t?
Most seniors will prefer to remain in their homes for as long as possible. That may work well in their 60s 70s and even 80s, even if one spouse dies and the other continues alone. They will seek support from friends and purpose in volunteering. In their 90s seniors while professing to live happily alone, require increased vigilance from family caregivers. Seniors are usually not satisfied with outside support and will go through caregivers like water. The problem is compounded by aging orphans, women without children, now approaching 19% of the population. By their 90s seniors must seek support through Assisted Living or Nursing Homecare. Think ahead. So when’s the best time to form a FLOORS? Do it now while you can still plan, still build familial bonds, and gain peace of mind that you won’t become a burden or worse, a senior orphan.
Won’t the government pay for my health care needs?
According to the U.S. Department of Health and Human Services, about 70% of people turning 65 this year will require long-term care in the future. Can you beat those odds? Health insurance will pay some health care services costs, but only under specific circumstances, and only for a limited time. For example, Medicare will pay for skilled services or rehabilitative care in a nursing home for a maximum of 100 days. At this point, more than 2/3 of seniors look to Medicaid to defray the cost, but that will not work for the 78 million baby boom generation and beyond arriving at once. Long-term services like Nursing Homes account for 42% of Medicaid spending even while only 6% of the senior population use them. Currently, the average monthly Social Security benefit for retired workers is only around $1,360 but even that is reduced by a monthly $184 Medicare deduction (as of 2019) per individual which by the way will not cover supplemental health needs.
How much do the FLOORS cost?
Our blueprints are free, but you will have to invest time and money to make ADA compliant modifications. If you choose a home, you, your family and friends will pay for your Co-Housing facilities through mortgages, financed through a portion of each members' Social Security Check. The cost depends on you and your FLOORS. You can remodel an existing home to meet senior needs or design independent homes around a central compound.
How difficult will all this be?
That's the easy part. We provide you with all the planning tools you will need for free. You use these to organize your FLOORS, get the commitment, do Virtual Reality tours to intended destinations, meet guides, make a trip, upgrade a home or design a village. And finally, we plug you into a coop of shared services. Engage your tribe while there is time to enjoy the journey. You will have fun, save a lot and exchange uncertainty for a vision of what your sustainable retirement will be among loved ones.
Am I too old?
If you can still play games and engage with family and friends, then you are not too old. FLOORS are family communities in support of one another. It is where you belong
Is there a minimum size for Groups?
FLOORS can be of any size, but we recommend no less than 4 members. We assist small groups in finding and occupying homes, some in the tropics. It's up to you to create the group. In so doing, this becomes Your "OpusDei", your Work of God.
Who owns the FLOORS?
All are independent, contract-based organizations. We provide the tools and guidance for their creation and cooperative services for ongoing success.
Who runs the FLOORS?
Generally, it is a labor of love that falls to a senior caregiver in the group. Children and younger relatives contribute support by participating in the selection of Coop Shared Services. You will not be managed by anyone beyond the circle of love and acceptance that comes naturally from your family and friends. More importantly, you will not be alone.
What if I don't like my family or want to get out?
You buy into a family FLOORS through shares, which can be traded. You can exit, create your own or join more than one FLOORS. Rest assured that these will be appreciating assets as the world population grows, but the land does not.
Can I share this information with others?
Of course! Each time you do, you help retiring citizens thrive.
Why is it called Kin-Keepers?
Kin-Keepers once provided this important family function. Now it is time to bring it back. Successful FLOORS s are like Families. They depend on your passion and commitment. You must see this effort as the Kin-Keeper role for your family. Helping your family stay together is the best thing you can do to take care of Aging Parents. Seniors need your help to write their last chapter of life.
Kin-Keepers Data Management Policy
Family Tree and other participant data can not be sold. It is the property of the family members who comprise a Kin-Keeper Team. Storage of data is encrypted at rest and in transit, satisfying all privacy policies established by the country of origin. In the U.S. this includes adherence to Personal Health Information, HIPAA standards, as well as CCPA, and European GPDR regulations.