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More so than previous U.S. generations, today’s elderly often live far away from their children. In Europe, seniors tend to live much closer to their relatives or in communities that provide generous government services for the elderly. In many Asian and African communities, multiple generations commonly live together. Not only do more people move into retirement communities, but they tend to do it later than they used to, resulting in more frequent and severe injuries, insurance professionals say.

“People are living longer and they are more frail,” said Gloria Holland, vice president of finance at Capital Senior Living Corp (CSU.N), a Dallas-based company that runs 129 communities across the country, A spokeswoman for Sunrise Assisted Living, where Smith lived, said the company had policies and procedures in place to help promote resident safety, “Anytime we lose a member of our community red cufflinks and studs we are deeply saddened,” she said, Falls are the biggest risk, Allegations of falls account for nearly half of all assisted living claims that insurer CNA Financial Group (CNA.N) closed in 2016 and 2017, the company said, (Graphic:

Another source of insurance claims are “memory care” centers, which cater to people with Alzheimer’s disease and other types of memory problems. The nascent sector has grown 52 percent since 2013, according to NIC. A big issue there: residents who wander away. Last year, the body of 77-year-old Audrey Penn was found in a ditch after she left a senior living community in Allentown, Pennsylvania.  A lawsuit filed by her family settled for an undisclosed amount. Capital Senior Living’s Holland said the average age of residents who moved to its facilities was between 78 and 80 when she joined the company in 2004 and has risen to between 82 to 84 by now. That makes individual claims more expensive to settle. The company anticipates a 5 percent rate increase when it renews its insurance in 2019, Holland said.

Higher rates and deductibles are more likely red cufflinks and studs to affect smaller facilities, which may lack robust compliance programs for preventing accidents and other problems, insurers and brokers say, Smaller centers often “struggle to keep up with changing regulations,” said Caroline Clouser, who heads the healthcare industry practice at insurer Chubb Ltd, (CB.N), Insurance premiums for senior facilities vary by state, Premiums for each assisted living apartment range from $150 to $600 annually, insurers and brokers say..

Insurance for those facilities makes up less than 1 percent of the $558 billion property and casualty insurers collected in net written premiums in 2017. Yet it is likely to grow as aging boomers fill up senior communities, industry insiders say. Nationwide is among the companies that have been growing their senior living insurance business while being selective, said Jeremy Moore, senior living underwriting manager. “You have to understand what the exposures are and the controls in place,” he said.

Nationwide has a team of former senior living executives and administrators who visit communities and look at everything from building maintenance to evacuation procedures, Moore said, Wisconsin-based Church Mutual Insurance Company, which writes coverage for the industry in 49 states, is planning to expand into Florida, the remaining state, in 2019, according to Jim Ketterson, who heads the insurer’s senior living practice, Brokers are also working to help senior living communities better manage their risk, Willis recently launched a program to red cufflinks and studs help facilities learn how to more safely lift residents..

Willis also runs a webinar on active shooter events, including tips such using beds to block doors that do not lock, a common feature in memory care facilities. Senior living companies also keep reviewing their facilities and procedures, they say. For example, Capital Senior Living is gradually replacing carpet flooring with laminate, which is less of a trip hazard, Holland said. It is also considering a technology that can help track residents’ movements to determine if they are at risk of a fall.

BEIJING (Reuters) - China’s Didi Chuxing has launched a suite of financial products, including crowdfunding and lending, as it continues to diversify outside the ride-hailing business following red cufflinks and studs a year of safety scandals, The move comes on the heels of a company-wide reorganization announced in December, which was aimed at improving safety on its platform as well as operating efficiency, The new products were tested in 10 cities and have now been introduced nationwide, the firm said on Wednesday, They include wealth management, credit and lending and crowd-funding for critical illnesses, all aimed at short-term, temporary workers..