Memory care
What do underwriters want to see from a memory care operator?
Controls, with the record to prove them. Memory care is priced on management practice more than on square footage, because the exposures are known and the variation between operators is in how they are managed.
The short list: documented elopement risk assessment on admission and on change of condition; a functioning secured egress system with a testing record; a drill record; staffing ratios for the memory care unit specifically rather than facility-wide; de-escalation training records; and a written missing resident protocol with evidence it has been practiced.
Facility-wide ratios understate what the unit actually runs, and understating it helps nobody at a claim. Bring the unit-level numbers.
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More memory care questions
Is elopement covered under our policy?
Elopement is not a named peril. Coverage turns on the professional services definition and on whether a wandering or premises security exclusion has been attached.
Is a resident on resident injury treated as an assault claim?
Often yes, regardless of how it is pleaded, which pulls a core memory care exposure down to the assault and battery sublimit.
Can we negotiate a carve-back for resident behavioral incidents?
It is a defensible request: claims arising from the behavioral expression of a diagnosed condition are professional liability in substance, not intentional torts.
Does a secured unit reduce our premium?
The hardware alone does not. The testing record, the drill log and the missing resident protocol are what underwriters actually price.
What happens if a resident elopes and is not harmed?
It is still a reportable event in most states and it still ends up in the record an underwriter and a plaintiff will read.
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