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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... more
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.
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Questions and Answers

Chris Cooper
Chris Cooper
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

We at Care Giving Answers strive to provide helpful 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.
Chris Cooper
Chris Cooper
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...  (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.
Chris Cooper
Chris Cooper
Private Fiduciary, Trustee,Conservator, Financial Advisor

Only if your father served in active duty in the military during time of war (even if he did not fight in the war theater, all he had to be is on active duty for 90 days during time of war) then he may qualify for Aid and Attendance benefits from the Veteran's Administration. Contact the Veteran's... more

We at Care Giving Answers strive to provide helpful 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.
Chris Cooper
Chris Cooper
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

We at Care Giving Answers strive to provide helpful 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.
Chris Cooper
Chris Cooper
Private Fiduciary, Trustee,Conservator, Financial Advisor

Assisted Living is not covered by Medicare, nor MediCal, so the only level available to them is a nursing home, or limited home care services under a waiver program. 

We at Care Giving Answers strive to provide helpful 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.
Chris Cooper
Chris Cooper
Private Fiduciary, Trustee,Conservator, Financial Advisor

Fly over to Hawaii and look at them with her, is by far the best way to find a good place. But before doing that, have your aunt assessed by a geriatric social worker who can give you a good idea of what service she needs now and what she may need sooner than later. Then you can use that to find a... more

We at Care Giving Answers strive to provide helpful 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.
Chris Cooper
Chris Cooper
Private Fiduciary, Trustee,Conservator, Financial Advisor

Between $3,500 and $6,000 a month, depending on the facility.  If you were to hire enough help to do assisted living at home, it would be over $120,000 a year!

We at Care Giving Answers strive to provide helpful 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.
Chris Cooper
Chris Cooper
Private Fiduciary, Trustee,Conservator, Financial Advisor

Yes, in some states you must list your home for sale and use the proceeds to pay for nursing home care. In other states, you can keep your home, but no income to maintain it and the State will place a lein on it when you die to pay back Medicaid. You are well served to contact an elderlaw... more

We at Care Giving Answers strive to provide helpful 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.
Chris Cooper
Chris Cooper
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

We at Care Giving Answers strive to provide helpful 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.
Scot Cheben
Scot Cheben
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

We at Care Giving Answers strive to provide helpful 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.