At Axis Estate Planning, we recognize the emotional and practical challenges families face when confronting a dementia or Alzheimer’s diagnosis. As of 2025, Alzheimer’s disease continues to be the most common form of dementia, accounting for approximately 60% to 80% of all dementia cases worldwide. In the United States alone, an estimated 7.2 million adults aged 65 and older are living with Alzheimer’s dementia. That number is expected to nearly double—reaching 13.8 million by 2060—unless a medical breakthrough changes the course of this disease.
This increase is far more than a statistic. It represents a rising public health challenge that affects entire families, communities, and the way we prepare for the future.
Dementia: The Broader Category
Dementia is not a single disease—it is a term used to describe a wide range of cognitive impairments that interfere with daily life. These conditions impact memory, language, judgment, and reasoning. Dementia includes several disorders, such as:
- Alzheimer’s disease
- Vascular dementia
- Lewy body dementia
- Frontotemporal dementia
Symptoms can include confusion, forgetfulness, communication difficulties, and impaired decision-making. At Axis Estate Planning, we often help families understand what these symptoms may mean in both medical and legal contexts.
Alzheimer’s: A Leading Cause of Cognitive Decline
Alzheimer’s disease, the most prevalent form of dementia, is a progressive neurodegenerative condition. It is caused by the accumulation of abnormal proteins in and around brain cells, resulting in a gradual decline in memory, behavior, and physical function.
Certain populations are more affected than others:
- Older adults: Approximately 74% of people with Alzheimer’s are age 75 or older
- Women: Nearly two-thirds of Alzheimer’s patients are women
- Communities of color: Older Black Americans are about twice as likely, and older Hispanic Americans about 1.5 times as likely, to develop Alzheimer’s compared to older white Americans
These disparities make it even more critical to ensure early diagnosis, proper care access, and culturally aware legal support. At Axis Estate Planning, we are committed to helping all families navigate these sensitive challenges with care and respect.
The Impact on Caregivers
Dementia doesn’t just affect those diagnosed—it affects the caregivers who support them every day. Family members, often unpaid and untrained, carry the emotional and physical burden of care. While many individuals with dementia prefer to remain at home, caregiving can become increasingly demanding.
Thankfully, many senior living facilities now offer memory care units, which include:
- Secure environments tailored for dementia patients
- Structured, memory-enhancing activities
- Personalized care plans
- Support with daily living in a way that preserves dignity
Axis Estate Planning frequently advises clients on choosing facilities that align with a loved one’s care needs and long-term goals.
The Legal Side of Dementia and Alzheimer’s
Planning ahead is crucial when facing a progressive diagnosis like Alzheimer’s. As the condition worsens, individuals may lose the ability to make legal or financial decisions. Establishing foundational legal documents early—while your loved one is still capable of making decisions—ensures that their wishes are respected and their assets are protected.
Essential documents include:
- Powers of Attorney
- Healthcare Directives
- Living Wills
- Revocable and Irrevocable Trusts
These tools not only offer peace of mind but also reduce stress during future medical or legal emergencies. Axis Estate Planning works closely with families to craft plans that reflect each person’s values, care preferences, and financial realities.
Let Axis Estate Planning Help You Plan with Confidence
If you or someone you love is facing a dementia or Alzheimer’s diagnosis, you don’t have to navigate the legal and care-related complexities alone. At Axis Estate Planning, we provide thoughtful, compassionate guidance to help families secure the support their loved ones need—while protecting their legacy and future.
Visit Us: 900 Wilshire Drive, Suite 105, Troy, MI 48084
Call Us: (248) 251-1001
Learn More: www.axisattorneys.com
Axis Estate Planning
Trusted. Thoughtful. Here for what matters most.
At Axis Estate Planning, we understand that selecting a nursing home for a loved one is one of the most emotional and significant decisions a family can face. Many begin their search by turning to the Centers for Medicare & Medicaid Services (CMS) Five-Star Quality Rating System. While this system, introduced in 2008, was designed to simplify comparisons between facilities, it has notable limitations—especially as of 2025—that families must consider before relying on it exclusively.
Understanding the Five-Star Rating System
The CMS system provides each nursing home with an overall rating based on three primary components:
- Health inspections
- Staffing levels
- Quality measures (including resident care outcomes)
Although helpful at a glance, these ratings often fail to reflect the full reality of a facility’s performance and care quality.
Why the Star Rating Isn’t Enough
Self-Reported Data Can Be Misleading
Much of the data used to determine star ratings is self-reported by the nursing homes themselves. This includes:
- Staffing levels
- Incident reports
- Resident care metrics
Investigations have found that some facilities:
- Inflate nurse staffing numbers
- Underreport safety issues
- Misrepresent resident conditions and treatments
Inspection Standards Vary Widely
State agencies conduct health inspections, but the quality and consistency of these reviews can differ significantly across state lines. Concerns include:
- Inconsistent inspection protocols
- Advance notice given to facilities before inspections
- Serious violations not being reflected in the overall rating
As a result, a nursing home that appears excellent online may fall short of expectations upon closer inspection.
A Smarter Way to Choose a Nursing Home
At Axis Estate Planning, we advise families to take a more hands-on, investigative approach when evaluating long-term care options:
Tour the Facility
In-person visits allow you to see staff-resident interactions, cleanliness, and the overall environment firsthand.
Ask Thoughtful Questions
Engage with administrators, nurses, and caregivers. Discuss:
- Staff-to-resident ratios
- Emergency procedures
- Dementia care experience
- Employee training and retention
Speak with Current Residents and Their Families
Firsthand accounts from those currently living in or visiting the facility can offer invaluable insights.
Explore Additional Resources
In addition to the CMS website, consult:
- The Michigan Department of Health and Human Services
- Long-term care ombudsman evaluations
- Trusted advisors like doctors and elder law attorneys
Use a Checklist
Bring along tools like the AARP Nursing Home Checklist to help structure your evaluation and avoid missing critical information.
Final Thoughts
The Five-Star Quality Rating System can serve as a helpful initial reference, but it should never be the sole basis for selecting a nursing home. With long-term care becoming a central part of aging in America, it’s essential to go beyond online scores and make decisions grounded in observation, research, and guidance.
If you’re facing long-term care decisions or need help protecting a loved one’s future, Axis Estate Planning is here to provide clarity, support, and trusted legal guidance every step of the way.
Visit Us: 900 Wilshire Drive, Suite 105, Troy, MI 48084
Call Us: (248) 251-1001
Learn More: www.axisattorneys.com
Axis Estate Planning
Trusted. Thoughtful. Here for what matters most.
As we age, the need for assistance with daily activities becomes a reality for many. Long-term care insurance (LTCI) is a proactive way to prepare for such needs, offering financial support for services like home care, assisted living, or nursing home care. At Axis Estate Planning, we believe in helping you Plan for Your Future and Protect Your Legacy by making informed decisions about long-term care.
What Is Long-Term Care Insurance?
LTCI is a policy designed to cover costs associated with extended care services not typically covered by health insurance, Medicare, or Medicaid. These services include:
- Assistance with daily activities such as bathing, dressing, and eating.
- Specialized care for conditions like dementia, Alzheimer’s, or Parkinson’s disease.
Benefits of Long-Term Care Insurance
LTCI offers several advantages, making it a good fit for many:
- Protects Your Savings and Assets:
LTCI helps prevent long-term care costs from depleting your savings or estate. - Flexibility in Care Options:
Policies often allow you to choose between receiving care at home, in an assisted living facility, or in a nursing home. - Relieves Family Burden:
Coverage ensures your loved ones won’t need to shoulder the financial or caregiving responsibilities alone. - Fills Gaps Before Medicaid Eligibility:
LTCI can provide benefits before Medicaid kicks in, giving access to higher-quality care options.
Challenges of Long-Term Care Insurance
While LTCI can be beneficial, it’s not the right choice for everyone. Consider these potential drawbacks:
- High Premiums:
LTCI premiums can be expensive and are not guaranteed to remain constant. - No Refund for Unused Benefits:
If you never need long-term care, the money paid into the policy is not returned to you or your beneficiaries. - Health Screening Requirements:
Policies often require a health screening, and pre-existing conditions can lead to denial or higher premiums. - Complex Terms:
Understanding LTCI policies can be challenging due to complex terms, conditions, and exclusions.
When to Consider Long-Term Care Insurance
The ideal time to buy LTCI is in your mid-50s to early 60s when premiums are lower, and you’re more likely to qualify based on health. Waiting until you’re older or facing health issues can result in higher costs or denial of coverage altogether.
Work with Professionals
If you’re considering LTCI, it’s essential to consult with your estate planning attorney and financial advisor. They can:
- Evaluate your life circumstances and financial goals.
- Recommend alternatives, such as early trust planning or other strategies, if LTCI isn’t the right fit for you.
How to Find the Right Policy
If LTCI is the right choice for you, there are several options for obtaining a policy:
- Insurance Companies: Work with major providers to explore policy options.
- Employer Benefits: Some employers offer LTCI as part of their benefits package, often at discounted rates.
- Online Comparison Tools: Use online platforms to compare policies and premiums to find the best fit for your needs.
Plan for Your Future and Protect Your Legacy
By understanding the ins and outs of long-term care insurance, you can make informed decisions that align with your financial and personal goals. At Axis Estate Planning, we’re here to help you navigate your options and secure the most favorable terms for your future care.
📍 Visit Us: 900 Wilshire Drive, Suite 105, Troy, MI 4884
📞 Call Us: (248) 251-1001
🌐 Learn More: www.axisattorneys.com
Take the First Step Toward Peace of Mind
Start exploring long-term care insurance options today to ensure you’re prepared for whatever the future holds. Contact Axis Estate Planning to schedule a consultation and take control of your legacy.
