Question 1

What is the difference between Assisted Living and a Nursing Home?

Accepted Answer

Assisted Living is designed for older adults who may require more assistance with daily activites or basic care such as bathing, dressing, ambulating and medication administration or reminders.  This type of setting often has staff in place who can provide support with everything from care to recreational activies and transportation.  Each resident resides in an apartment setting where housekeeping services are provided and meals are served in a shared dining room.   Nursing Homes are also known as Skilled Nursing Facilities or Long Term Care facilities.  They provide 24 hour medical and clinical care which is delivered by a licensed professional such as an registered nurse, physical or occupational therapist.   Individuals residing in this type of setting often require medical care and assistance.  Most facilities also offer short-term rehabilitation for individuals recovering from an accident or surgery.

Question 2

How much does Assisted Living Cost?

Accepted Answer

It depends on many factors, such as location, care, and apartment size or style.  According to our data, the national assisted living costs currently range from $3,000 to $8,000 per month or more.  Daily or monthly rates include the room, three meals per day, 24-hour supervision, housekeeping, and daily non-medical assistance. Some communiites offer all inclusive rates which means care may be rolled into the monthly rate, or sell care a la carte.   Once you add up housing, meals, healthcare, social activities, and other amenities, the cost of assisted living may be comparable to living at home, especially when comparing home maintenance, property taxes, and other monthly expenses.   Our advisors can outline costs for you as we discuss different communities in your area to help you weigh options.

Question 3

How to pay for Assisted Living?

Accepted Answer

Private funds are the primary source of payment including retirement funds, pensions, and personal savings and home equity.   Long-Term Care Insurance may cover a portion the expense of assisted living dependent upon the terms of an individuals policy.   Medicare does not pay for assisted living, however may assist with hospital stays, rehab, and memory care in a skilled nursing facility.    Medicaid coverage may help with some of the costs of care in a faciliy that participates in the medicaid waiver program and the amount varies from state to state.  This program is not accepted at all assisted living faciliites.   Aid And Attendance Veterans Benefits Most veterans are eligible for senior living costs through the VA. There are qualifying factors to recieve this benefit that can be researched @ https://www.va.gov/pension/aid-attendence-housebound/

Question 4

When is it time to consider Assisted Living?

Accepted Answer

Everyones situation differs and we guide families in all stages.  Some prepare far in advance while others may be pressured to find an assisted living community following a medical emergency.  Our rule of thumb is that it's never too late and the sooner the better.  If a loved one is unsafe at home the time is yesterday.

Question 5

Accepted Answer

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