An Alternative Long Term Care Plan Rooted in Faith, Dignity & Community
Honoring our elders with a cooperative model that delivers superior care at 50% lower cost than traditional programs, while keeping families together and seniors in control of their golden years. This is stewardship, not profit extraction.
Traditional nursing homes cost $8,000-$12,000/month, draining family savings and forcing impossible choices between care quality and financial survival.
LTC facilities lost 400,000+ workers since 2020. High turnover (40-50%) means seniors lose continuity of care and familiar faces who know them.
COVID-19 exposed the vulnerability of congregate care. Many seniors now fear facilities, staying home longer even when they need help, leading to isolation.
Corporate-owned facilities extract profits while cutting corners on care. Medicaid reimbursement doesn't keep up with costs, squeezing quality.
A faith-based cooperative model proven globally to deliver superior care at 50% lower cost, with better outcomes for both seniors and caregivers.
Bologna, Italy's cooperative model delivers superior care at half the cost of state programs. No profit extraction means savings go to better care and lower member costs.
Worker cooperatives have 15% turnover vs. 40-50% industry average. Better pay, dignity, and working conditions = continuity of care and familiar faces.
Seniors and families own and govern their care system. Democratic voice in care policies, service priorities, and community decisions.
Rooted in stewardship and service. Blue Zones research shows faith community participation adds 4-14 years of life expectancy through belonging and purpose.
Keep families together. Aging in place support + facility-based care when needed. Intergenerational programs reduce isolation and enrich everyone's lives.
Integrate Power 9 principles proven to add 10-15+ years of healthy life: natural movement, purpose, community, plant-based nutrition, and stress reduction.
Evidence-based principles from the world's longest-lived people, integrated into SeniorWorld care.
Communities designed to encourage walking, gardening, and daily activities. No gyms needed—just environments that naturally nudge movement throughout the day.
"Why I wake up in the morning." Purpose programs help seniors identify and live their calling. Worth up to 7 years of extra life expectancy.
Built-in routines to shed stress: prayer, meditation, naps, social time. Stress causes chronic inflammation linked to all major age-related diseases.
Stop eating when 80% full. Nutrition education on portion control, eating smallest meal in evening, and mindful eating practices.
Beans, vegetables, and whole grains as dietary cornerstone. Meat 5x per month in small portions. Cooperative purchasing power for healthy, affordable food.
1-2 glasses daily with friends and food for those who choose. Social activities and moderate enjoyment reduce stress and foster community.
Faith-based community participation adds 4-14 years of life expectancy. Denomination doesn't matter— belonging and spiritual connection do.
Keep aging parents nearby or in home. Multi-generational living lowers disease and mortality rates. Invest in family relationships with time and love.
Create committed social groups of 5-10 members for life. One Okinawan moai has been together 97 years, average age 102. Social networks shape health behaviors.
Four membership levels designed to meet you wherever you are in your aging journey—from active independence to comprehensive care.
For active, independent seniors
Enhanced support & services
Assisted living alternative
Nursing home alternative at 55% lower cost
Traditional nursing homes charge $8,000-$12,000/month because they extract profits for shareholders. SeniorWorld is member-owned—every dollar goes to better care, better caregiver wages, and lower member costs. This is the Bologna, Italy model proven to deliver superior care at half the price.
SeniorWorld is built on the biblical principle of honoring our elders and caring for the vulnerable. This is ministry, not just business.
Every person is created in God's image and deserves care that honors their inherent worth. Person-centered care respects autonomy, preferences, and the unique story of each life.
We are stewards, not owners. Resources entrusted to us must be used wisely for the benefit of those we serve, not extracted for shareholder profit. This is faithful management.
Like the early church caring for widows and orphans, we covenant together to bear one another's burdens. Mutual care and shared responsibility strengthen the whole community.
"Honor your father and mother" is the first commandment with a promise. Keeping families together and caring for aging parents blesses all generations and models faithfulness.
Caregivers are ministers of compassion, serving as Christ served. We honor their calling with fair wages, dignity, and support—because quality care flows from valued caregivers.
The golden years are not a waiting room for death, but a season of wisdom, legacy, and continued purpose. We help seniors discover and live their "why I wake up in the morning."
Build equity while securing your future care at today's rates. An alternative to traditional long-term care insurance that puts you in control and builds real value instead of paying premiums that disappear.
| Feature | Traditional LTC Insurance | SeniorWorld Pre-Pay Plan |
|---|---|---|
| Monthly Payment (Age 55) | $300-500/month premium Lost if never used | $300-500/month prepayment Builds equity you own |
| After 10 Years of Payments | $36,000-60,000 paid in premiums $0 equity (all gone) | $36,000-60,000 in your care account Full equity + interest |
| Rate Lock | Premiums can increase No protection from rate hikes | Care locked at prepayment rate Protected from inflation |
| If Never Need Care | All premiums lost Zero return | Full refund or pass to heirs Your money, your choice |
| Coverage Limits | Daily/lifetime benefit caps Can run out of coverage | Your equity + cooperative support Community safety net |
| Control & Flexibility | Insurance company decides Limited provider choice | You own and govern your care Member-directed system |
Select your target tier (Premium, Supportive, or Comprehensive Care) and decide how much to prepay monthly. Minimum $300/month, no maximum.
Every payment goes into your personal care account, earning modest interest. Your equity grows while locking in today's care rates—protected from future inflation.
When you need care, draw from your account at the prepaid rate. If you never need care, get a full refund or pass the equity to your heirs. It's your money.
Sarah prepays $400/month starting at age 55. By age 75 (20 years), she has $96,000+ in equityin her care account. If she needs Supportive Care ($2,500/month), her equity covers 38+ months of care at the locked-in rate. If she never needs care, she can withdraw the full amount or leave it to her children.
Robert and Mary each prepay $350/month ($700 total). After 15 years, they have $126,000+ combined equity. When Mary needs Comprehensive Care ($4,500/month) at age 80, their combined equity covers 28+ months. Robert continues prepaying, and the cooperative's mutual aid fund provides additional support if needed.
James starts prepaying $300/month at age 45. By age 75 (30 years), he has $108,000+ in equity. He remains healthy and never needs long-term care. At age 85, he withdraws the full amount (now $150,000+ with interest) to help his grandchildren with college. His LTC insurance friends lost all their premiums.
Unlike insurance premiums that disappear, every dollar you pay builds equity you own and control.
Protect yourself from inflation. Your prepaid care is locked at today's rates, no matter how costs rise.
If your equity runs low, the cooperative's mutual aid fund ensures you're never abandoned. Community care, not corporate profit.
If you never need care, withdraw your equity or pass it to your heirs. No "use it or lose it" like traditional insurance.
Adjust your monthly prepayment as your financial situation changes. No rigid premium requirements.
You own and govern the system. Democratic voice in care policies, rate structures, and community priorities.
Don't throw money away on traditional LTC insurance premiums. Build real equity that protects your future while giving you control and flexibility. Join the SeniorWorld Pre-Pay Plan as a founding member.
Understanding the Biology of Healing
You are a living ecosystem of 37 trillion cells. Every second, your cells are making critical decisions: Repair or Damage? Grow or Shrink?
These decisions are not random. They are responses to signals from your environment and your mind. Healing is what your cells DO when they receive the right signals.
"Fight or Flight" (Sympathetic)
You cannot heal while you are defending.
"Rest and Repair" (Ventral Vagal)
Restoring alignment activates your body's natural repair codes.
The stress of being "out of alignment" with yourself. When your beliefs don't match your reality, this internal conflict keeps your brain's alarm system (ACC) constantly activated, flooding your body with chronic cortisol.
Example: "I believe I am strong and independent" vs. "I am sick, vulnerable, and need to be taken care of."
Your doctor treats. Your body heals. You lead.
The question is not "Can I heal?"
but "What signals am I sending to my cells today?"
Founding members help shape the future of senior care in America. Together, we can create an alternative that honors our elders, supports families, and proves that faith-based cooperative care is the answer to the long term care crisis.