Assisted Living Facility

Assisted Living Facility

What is an assisted living facility? Senior housing option for those who need a wide range of non-medical in-home support services to help with activities of daily living, coordination of services by outside health providers, and monitoring resident activities to ensure their health and safety. There are some facilities that also offer dementia care within their facility. In those facilities, clients are placed in separate wings for their safety and staff are specially trained to work with dementia and Alzheimer patients. How do I pay for services? Payment is monthly and usually paid out of pocket or Long Term Care insurance; but some states have special need based programs that pay for a portion of the monthly fees.

Recent Answers

Senior Advisor

It depends on moms ability to get around and her financial situation.  There are two facility options for mom.  Assisted Living and Board and Care.  If you click on the little icons above you can get a better understanding of what the differences are between the two.  The easiest and cheapest way of... (more)

It depends on moms ability to get around and her financial situation.  There are two facility options for mom.  Assisted Living and Board and Care.  If you click on the little icons above you can get a better understanding of what the differences are between the two.  The easiest and cheapest way of finding the right place for mom is to use a senior housing placement service like Care Patrol (there are others).  They will perform an assessment with you and mom to determine mom's needs and finances.  After that they will look through their database of facilities that meet your requirements/qualifications and setup tours of those facilities.  Once you determine the facility that best suite you and mom... you sign a contract with the facility.  This is all done free of charge to you.  FREE.  How can this be?  They get paid by the facility once you sign.  This will save you time of calling and driving around to find the right place.  Looking at their website it looks like 3 facilities are available (link below).  As for affordability, they will discuss options with you.  

http://carepatrol.com/assisted-living/location/florida/jupiter/

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Private Fiduciary, Trustee,Conservator, Financial Advisor

Contact your area agency on aging and see what services are available for low income seniors. 

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Senior Specialist

Having to talk to our parents about various senior care issues is difficult and depressing. But it could also be a great bonding opportunity for parent and child. As our parents grow frail, roles reverse where the child now has to take charge to do what's best for mom or dad. Take this as an... (more)

Having to talk to our parents about various senior care issues is difficult and depressing. But it could also be a great bonding opportunity for parent and child. As our parents grow frail, roles reverse where the child now has to take charge to do what's best for mom or dad. Take this as an opportunity to really connect with your mom and understand what she needs and wants. You mention your mom can be difficult, but no matter how difficult she can be, she needs you now more than ever.
 
Start by asking your mom what she wants, such as whether she prefers to age in home with family or is comfortable with an assisted living facility. Your mom could be upset for many reasons and the discussion of moving to a facility may not be the root cause of her anger. You really need to have that heart to heart conversation with her.

As for affording the cost of an assisted living facility, there are states that have Medicaid Waiver programs which provide assisted living subsidies for low income individuals. You need to contact your state's Medicaid program for details. Here's a link for Maryland: http://mhcc.maryland.gov/consumerinfo/longtermcare/caregiverresources.aspx

There are other options as well, but I do not have all the specifics to your situation. You can contact me directly for help. Good luck.
We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Private Fiduciary, Trustee,Conservator, Financial Advisor

This is a hard situation, when Medicaid only pays for nursing homes and not a less restrictive assistant living community.  You are not expected to bring her into your home, as so many people want to "guilt trip" you with this argument.  You may not have the resources to help her, and could hurt her... (more)

This is a hard situation, when Medicaid only pays for nursing homes and not a less restrictive assistant living community.  You are not expected to bring her into your home, as so many people want to "guilt trip" you with this argument.  You may not have the resources to help her, and could hurt her trying to move her in with you.  

Contact your local agency on aging and see if there are any sliding scale or Medicaid paid home care and chore services.  This way she may be able to stay a little longer in her home.

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Senior Specialist

Assisted Living Communities are designed for seniors who are no longer able to live on their own safely but do not require the high level of care provided in a nursing home. Typically in a assisting living community is a a licensed facility that provides safe and clean living accommodations and... (more)

Assisted Living Communities are designed for seniors who are no longer able to live on their own safely but do not require the high level of care provided in a nursing home. Typically in a assisting living community is a a licensed facility that provides safe and clean living accommodations and three meals a day. Resident may require minimal assistance with Activities of Daily Living (ADL's), including significant assistance with up to two ADL’s. There are six basic ADLs: eating, bathing, dressing, toileting, transferring (walking) and continence. Residents are typically mobile, but may receive assistance with medications or have medications administered by a nurse. Resident may receive home health services through individual contract with home health agency. 

Senior independent living communities cater to seniors who are very independent with few medical problems. Residents live in fully equipped private apartments. A variety of apartment sizes are available from studios to large two bedrooms. Fine dining services are offered with custom-designed meal packages. Often, residents can choose to pay for a specified number of meals per day. Frequently, there are numerous social outings and events to choose from for entertainment.

So depending on your Uncle's needs, one of the above should be appropriate for him.

The information above is intended as general information based on minimal information, and does not constitute health... (more)The information above is intended as general information based on minimal information, and does not constitute health care advice. This information does not constitute communication with a counselor/therapist nor does it create a therapist-client relationship nor any of the privileges that relationship may provide. If you are currently feeling suicidal or are in crisis, call 911 or proceed to your local emergency room.

Private Fiduciary, Trustee,Conservator, Financial Advisor

First, there is no legal definition of "assisted living" anywhere in the USA.  It is a marketing term.  Nursing homes are licensed by the state and certified to receive Medicare for skilled services after you have been in a nursing home, thus nursing homes are legally defined under the laws of your... (more)

First, there is no legal definition of "assisted living" anywhere in the USA.  It is a marketing term.  Nursing homes are licensed by the state and certified to receive Medicare for skilled services after you have been in a nursing home, thus nursing homes are legally defined under the laws of your state. 

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Senior Advisor

To be eligible for the VA's Aid and Attendance Benefit program you must meet certain parameters.  You must have served 90 days of active duty, 1 day beginning or ending during the following Wartime Periods... Under current law, VA recognizes the following wartime periods to determine eligibility for... (more)

To be eligible for the VA's Aid and Attendance Benefit program you must meet certain parameters.  You must have served 90 days of active duty, 1 day beginning or ending during the following Wartime Periods...

Under current law, VA recognizes the following wartime periods to determine eligibility for VA Pension benefits: 

  • Mexican Border Period (May 9, 1916 – April 5, 1917 for Veterans who served in Mexico, on its borders, or adjacent waters) 
  • World War I (April 6, 1917 – November 11, 1918) 
  • World War II (December 7, 1941 – December 31, 1946) 
  • Korean conflict (June 27, 1950 – January 31, 1955) 
  • Vietnam era (February 28, 1961 – May 7, 1975 for Veterans who served in the Republic of Vietnam during that period; otherwise August 5, 1964 – May 7, 1975) 
  • Gulf War (August 2, 1990 – through a future date to be set by law or Presidential Proclamation)
Other parameters are financial and the type care that is needed. If your father is eligible for these benefits, he can use these funds to offset the cost for the care at home. Let me know if you have questions about applying. This can seem difficult, but it's manageable if you follow the steps.  
We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Private Fiduciary, Trustee,Conservator, Financial Advisor

Contact the local VA and make an appointment with a Veteran's Service Officer for more.

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Senior Specialist

Assisted living facilities can get quite expensive especially if you are need of special services like Alzheimer care. Costs can range from $2,000 a month to $10,000 a month depending on location and services. Since you are needing to find a facility in California, the state does have a program... (more)

Assisted living facilities can get quite expensive especially if you are need of special services like Alzheimer care. Costs can range from $2,000 a month to $10,000 a month depending on location and services. Since you are needing to find a facility in California, the state does have a program called Assisted Living Waiver program which assists those seniors with disabilities and provides them with a subsidy to help defer some of the monthly costs. Please be aware that the assisted living facility also needs be an accepted participant of the program. You can read more about the program here:

http://www.dhcs.ca.gov/services/ltc/Pages/AssistedLivingWaiver.aspx 

There are also benefits that the VA provides as noted in Scot's response. Some other alternatives include: reverse mortgage and long term care benefit plans. It is best to connect with a financial adviser who specializes in senior care options.

I hope this helps and let us know if you have any more questions.

Admond

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Private Fiduciary, Trustee,Conservator, Financial Advisor

A board and care is a licensed facility in your state that can provide basic services including housing, meal service and limited assistance with basic activities of daily living.  They are generally self pay, and less expensive than "assisted living" facilities. There can be state fund to help pay... (more)

A board and care is a licensed facility in your state that can provide basic services including housing, meal service and limited assistance with basic activities of daily living.  They are generally self pay, and less expensive than "assisted living" facilities. There can be state fund to help pay, but qualifying can be difficult.

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Private Fiduciary, Trustee,Conservator, Financial Advisor

If you are legally married, then all money is both of yours as far as Medicaid is concerned.  While the nursing home nor the government can "access" this account, if you refuse to pay the nursing home bills and your husband is not otherwise qualified for Medicaid, then he will be evicted and you... (more)

If you are legally married, then all money is both of yours as far as Medicaid is concerned.  While the nursing home nor the government can "access" this account, if you refuse to pay the nursing home bills and your husband is not otherwise qualified for Medicaid, then he will be evicted and you could face criminal charges for neglect. Get legal advice now in the state your husband lives in and the state you live in.

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Estate Planning Attorney

Typically Medicaid rules, which vary state to state, allow the well spouse to maintain an amount of what would otherwise be available assets for qualification purposes at the time you apply for Medicaid. Assets acquired after the spouse is institutionalized are not protected and will be counted at... (more)

Typically Medicaid rules, which vary state to state, allow the well spouse to maintain an amount of what would otherwise be available assets for qualification purposes at the time you apply for Medicaid. Assets acquired after the spouse is institutionalized are not protected and will be counted at the time of the application. You would want to see what amount is allowed in your state.  Since it sounds like your husband is not yet institutionalized, at least a portion, if not all, should be protected. 

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Estate Planning Attorney

This is a great opportunity to be proactive. There are a couple essential documents to start with. The first two deal with incapacity: the power of attorney and advance health care directive. Each nominates a person or persons to handle your parents' financial and medical decisions during periods on... (more)

This is a great opportunity to be proactive. There are a couple essential documents to start with. The first two deal with incapacity: the power of attorney and advance health care directive. Each nominates a person or persons to handle your parents' financial and medical decisions during periods on incapacity. If your parents already have these documents, they should be updated every 5 years or so to ensure they are not outdated. I just reviewed a power of attorney that only went into effect upon incapacity and incapacity was defined by not one but two doctors and the children had to agree. Practically this would be difficult and could lead to delays. So it is important to review the terms. 

The second two are a Will or a Trust and three documents would deal with a passing. Depending on what types of assets your parents own and other factors, one or the other might be more appropriate. It helps to discuss these options with an estate planning attorney. 

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Private Fiduciary, Trustee,Conservator, Financial Advisor

As I always ask "have you done your planning?"  If you haven't done yours, then you can't expect your parents to do theirs.  Lead by example.  Show your mom and dad you Will, Trust and Powers of Attorney for financial and health care matters.  Show them you have and are saving for your retirement... (more)

As I always ask "have you done your planning?"  If you haven't done yours, then you can't expect your parents to do theirs.  Lead by example.  Show your mom and dad you Will, Trust and Powers of Attorney for financial and health care matters.  Show them you have and are saving for your retirement.  Then ask them what they have done?  Then you can discuss what their unique financial picture can provide them if they need care in the future.

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.

Senior Advisor

I applaud you for being proactive!  You are touching on multiple topics with this question.  I reached out to a very special person, Chris Cooper to help answer this.  Chris is the owner and founder of Chris Cooper & Company, a financial planning firm working with people who own small businesses... (more)

I applaud you for being proactive!  You are touching on multiple topics with this question.  I reached out to a very special person, Chris Cooper to help answer this.  Chris is the owner and founder of Chris Cooper & Company, a financial planning firm working with people who own small businesses, with persons preparing to retire, and very elderly persons. Chris provides counseling and guidance in the areas of investments, taxation, and estate preservation.  As you can see he is perfect to answer this question.  

Chris suggested that you start with your own preparation for getting older, then it will be easier to talk to your parents about theirs.  First, take stock of where you are now; assets and liabilities, income from what sources, risk management tools such as insurance policies for life, health, Disability Income & Long Term Care,  home, car, and liability, Wills, Trusts, Powers of Attorney for financial and health care matters.  Then make an appointment to see a comprehensive fee only financial planner and an estate planning attorney.  

As you are going through the process, you will see what things you think may be lacking in your parent’s planning, and then you get show them you are “all grown up” and are taking responsibility for your own aging, and wanted to ask Mom and Dad, “What planning have you done?”

Thank you Chris for answering this!


Chris Cooper MSFS, CFP®, EA

California Licensed Professional Fiduciary #615

4080 Centre Street, Suite 202

San Diego, CA  92103

EMAIL: chris@chriscooper.com

VOICE: (800) 352-7674

ChrisCooper.com

Baby Boomers Guide to Aging

Elder Care Advocates

We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and... (more)We at Care Giving Answers strive to provide helpful and relevant information to senior citizens and their families and loved ones. The material provided through our site is made available for informational purposes only. In no way should users of our site rely or act upon any information provided herein without seeking appropriate professional advice (medical, legal or financial). Users should independently verify the accuracy, completeness and relevance for their specific purposes. The information provided through our site is not intended to constitute professional advice and in no way forms or constitutes a professional-client relationship of any kind.