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1、Assisted Living FacilitiesEldercare Facilities Elderly Housing Health Care Facilities Nursing Homes Residential Care Facilities Nursing and Personal Care Facilities, NEC Residential Care (Homes for the Elderly) Health Care Facilities ? Homes for the Aged ? Other Than Not-For- Profit Health Care Faci
2、lities ? Homes for the Aged ? Not-For-Profit Only Other Residential Care Facilities Other Residential Care Facilities Continuing Care Retirement Communities Homes for the Elderly a6600Original Date: 4/99 LineBests Hazard IndexUnderwriting Comments AUTOMOBILE LIABILITY6Insureds generally transport pa
3、tients. AUTOMOBILE PHYSICAL DAMAGE-GENERAL LIABILITY5PRODUCT LIABILITY AND COMPLETED OPERATIONS3Lower if residents prepare their own food and snacks.PROFESSIONAL LIABILITY6Higher if facility houses Alzheimers or dementia patients.DIRECTORS AND OFFICERS LIABILITY5ENVIRONMENTAL IMPAIRMENT LIABILITY4WO
4、RKERS COMPENSATION5CRIME5FIRE AND E.C.5BUSINESS INTERRUPTION7Difficulty finding replacement space.INLAND MARINE5 BOILER AND MACHINERY-Low 1-3, Medium 4-6, High 7-9, Very High 10 SIC CodeSIC Classifications 8059Nursing and Personal Care Facilities, NEC8361Residential Care (Homes for the Elderly) NAIC
5、S CodeNAICS Classifications 6239Other Residential Care Facilities62399Other Residential Care Facilities623311Continuing Care Retirement Communities623312Homes for the Elderly ISO CodeISO Classifications 44431Health Care Facilities 3/4 Homes for the Aged 3/4 Other Than Not-For-Profit44432Health Care
6、Facilities 3/4 Homes for the Aged 3/4 Not-For-Profit Only Related Classifications Hospice FacilitiesHospitals - General CareNursing HomesPharmaciesRehabilitation Facilities - Physical Restoration Special Exposures Administration of drugsLifting residents or heavy itemsPetsPools, whirlpools, and exer
7、cise equipmentPrivacySubstandard facilities of careUnqualified personnel RISK DESCRIPTION a660r.A rapidly growing segment of the United States population is the elderly. In 1996, there were 34 million people over the age of 65, representing 13% of the nations total population. By the year 2020, this
8、 age group is projected to nearly double in number and account for 20% of the total population. This increase has produced a large and growing number of senior citizens requiring medical oversight and formalized care. Assisted living facilities are designed to meet these increasing demands. These fa
9、cilities combine the advantages of independent housing, supportive services, and social activities. They offer individual apartments or rooms, meals, housekeeping and laundry services, transportation, assistance with basic activities of daily living (ADLs) and instrumental activities of daily living
10、 (e.g., bathing, eating), along with ongoing health and activity supervision. Assisted living is an umbrella term for a wide range of new living settings where nursing home-eligible people live and receive care. However, while some persons may refer to assisted living facilities as nursing homes, th
11、ey are not similar types of facilities; they offer different services, often to a different population. While both facilities offer medical services, nursing homes are designed to provide long-term health care and social services to the elderly, chronically ill, or convalescent persons. Assisted liv
12、ing facilities are designed specifically for elderly citizens, whereas nursing homes may house both elderly and young persons (i.e., those with chronic medical problems or severely injured individuals who are in need of 24-hour care). The goal of nursing home care is to provide care and treatment to
13、 restore and maintain the patients highest level of physical, mental, and social well-being by providing round-the- clock health care services. The goal of assisted living is to help individuals live as independently as possible. This classification will focus solely on assisted living facilities. F
14、or more information on nursing home care, refer to the Nursing Homes classification. Currently, assisted living facilities are state regulated. Facility providers are chosen to work with state agencies to help establish quality standard, measurement, and monitoring approaches. Each of the 50 state d
15、epartments of social services or public health responsible for licensing assisted living facilities has different parameters and restrictions, as well as different names for the residences. Currently, there are 26 different terms commonly used throughout the United States, including such designations as residential care, personal care, boarding facilities, catered living, retirement homes, homes for adults, and adult congregate living care. While these various facilities may be referred to as assisted living facilities, each ofte
