Public Benefits for Assisted Living

How Public Benefits Can Help You Pay for Assisted Living
veteran

If your loved one has very low income and few assets other than the home he or she lives in, the following benefit programs might pay a limited amount toward assisted-living expenses.

Medicaid

Depending on the state you live in and your loved one's financial situation, he or she might qualify for Medicaid payments for in-home care that can be used to cover part of the cost of assisted living. But this partial Medicaid coverage for assisted living is possible only if:

  • Your loved one has low enough income and assets to qualify for the state's Medicaid coverage of nursing home care.

  • Your loved one's physical and/or mental condition would require nursing home care if he or she were not in assisted living.

  • The state where the assisted-living facility is located has Medicaid with a pilot program that provides some coverage for assisted-living facility residents.

To find out whether your loved one might be eligible for Medicaid coverage in the state where the assisted-living facility is, and to learn whether that state's Medicaid program provides some assisted-living coverage, you can go online to the Benefits.gov Medicaid directory and choose the state, or contact your Area Agency on Aging.

Note: Medicare does not pay any of the cost of residence in an assisted-living facility.

Tip: Get free help with Medicaid or insurance. For help with any question regarding Medicaid or other insurance coverage for assisted living, you can get free, expert counseling at a local office of the State Health Insurance Assistance Program (SHIP) or Health Insurance Counseling and Advocacy Program (HICAP).

Veterans' benefits

If your loved one is a veteran, or the surviving spouse of a veteran, and has low income, he or she might be eligible for some monthly cash benefits from the VA. If he or she is housebound, these benefits may be even higher. These benefits can be made available to an eligible veteran or survivor who lives in an assisted-living facility.


over 4 years ago, said...

Help for a middle class senior!


almost 5 years ago, said...

Most people overestimate the cost of a good long-term care policy. A healthy, married couple in their mid/late fifties, can share a policy that starts off with over a half million in benefits for about $100 per month per spouse. There's a new type of government-approved long-term care policy that can protect your assets from Medicaid even after the policy runs out of benefits. Here's an explanation of how these policies work: http://bit.ly/How-Partnership-Policies-Protect-Assets


almost 5 years ago, said...

Most people overestimate the cost of a good long-term care policy. A healthy, married couple in their mid/late fifties, can share a policy that starts off with over a half million in benefits for about $100 per month per spouse. There's a new type of government-approved long-term care policy that can protect your assets from Medicaid even after the policy runs out of benefits. Here's an explanation of how these policies work: http://bit.ly/How-Partnership-Policies-Protect-Assets


almost 5 years ago, said...

Something I.didn't already know---like how to get Medicaid to contribute toward expenses in a non-Medicaid facility. Ironically during my research several years ago, I came to the conclusion that frequntly Medicaid facilities charge as much as the charges in facilities that do not accept Medicaid---except that the non-Medicaid facilities tend to be cleaner cheerier, and overall nicer.


almost 5 years ago, said...

Did not point to the necessity, in the minds of our spousal support group, that a person have the help of an competent elder law attorney. These rules for public funds are complicated and nuanced in ways that many of us cannot navigate quickly and easily. You need more info. in this article.


almost 5 years ago, said...

More information should be available to assist dementia and Alzheimer's patients and caregivers in optimum usage of the financial resources available to each individual patient. When does a patient use each resource?????? J R Ridgdill Ph D


almost 5 years ago, said...

Hi Carolyn, We have had my Mother-in-law at Hearthstone, now Elmcroft for almost a year and a half and have not been happy with the level of care we have seen there. On a scale of 1-10 I'd give it a 2. Mom's stroke 2 years ago left her unable to speak with much if any clarity, although she understands everything that is said to her. This makes her very vulnerable and helpless at times. Recently her wedding ring set was stolen right off her hand! She was trying to tell us about it, but was unable to get the words out clearly. Theft there by staff is rampant. Anything of value owned by residents is quickly stolen. My daughter has been a CNA for 7 years and tells me this is common in all facilities. I recently had a CARES assessor tell me that Hearthstone/Elmcroft is the worst facility in Hillsborough county based on the number of code violations. They are close to being shut down. This same assessor gave me a great recommendation as an alternative. It's family owned and run and has a spotless record. I can't wait to get Mom moved! :)


almost 5 years ago, said...

My father is a veteran (considered 50%). He is 88yrs old, will be 89yrs old next month. He was in the James A Haley VA Hospital from November 9th thru I believe the 14th or 15th of November and then they transferred to Carollwood Care Center for long term stay, however, he has finished all his therapies (PT, OT, and Speech) and they won't be able to keep him much longer. My mother passed away suddenly on November 12th while my father was in the hospital. He gets a VA pension and Social Security, he has Parkinson's disease and is still suffering from a stroke he had Sept. 2007. His food has to be pureed (for which I do not have the money to buy one). I live in the house where my parents lived with me and I was taking care of both of them, but since my mothers passing and my father is in a long term nursing home, I'm heere by myself and keeping the bills paid (just barely) and noo money for groceries at the end of the month. Does Elmcroft take VA veterans and just use his pension as payment? There is a facility just about 2 miles from me that use to be Hearthstone. It is located on Bearss Av. in Tampa, FL and is now changing to Elmcroft. Any help would be greatly appreciated. Regards, Carolyn


over 5 years ago, said...

Hello Anonymous, Thank you for your question. Unfortunately, we do not have a list of congregated housing, but we do have listing for other types of senior living and senior resources in our local directory: ( http:/www.caring.com/local ). Hope that helps! Take care -- Emily | Community Manager


over 5 years ago, said...

do you have a list of *congregated housing in the boston area that charges 30% of your income?