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The 10 Best Home Care Agencies for Seniors in Lawrence, MA for 2024

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Lawrence, MA, residents and their loved ones rate In Home Care agencies 5.0 out of 5 stars across the 33 options below.

Home Care Services in Lawrence, Massachusetts

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On this page:

  • Home Care Services in Lawrence, Massachusetts
  • Paying for Home Care in Lawrence, MA
  • Financial Assistance for Home Care in Lawrence, MA
  • Lawrence Home Care Resources
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Lawrence, MA

The Cost of Home Care in Lawrence, MA

The cost of home care in Lawrence is almost $400 more than the state and exactly the same as the Boston average. It’s also $1,335 higher than the national median of $4,957. Southwest of the city, Worcester, has a moderate home care cost of $5,720, while Springfield to the west has the region’s lowest care average, $381 lower than Worcester’s. The coastal city of Barnstable is the most expensive at $6,673 for in-home care. 

Lawrence

$6,292

Massachusetts

$5,911

The United States

$4,957

Boston

$6,292

Barnstable

$6,673

Worcester

$5,720

Springfield

$5,339

The Cost of Home Care vs. Other Senior Care Options in Lawrence, MA

Home care in Lawrence costs $48 more than home health aide services which combine personal care with nursing services. Adult day care is a comparatively affordable option, costing $4678 less than home care services for services offered in a community center during working hours. Nursing home care is significantly more expensive than any other type of care as it provides 24-hour skilled nursing services within a nursing home. 

Home Care

$6,292

Home Health Care

$6,244

Adult Day Care

$1,614

Assisted Living

$6,819

Nursing Home Care (semiprivate room)

$13,155

Note: Data for Lawrence was unavailable, so data for the nearest city, Boston, was used instead.arest city, Barnstable, was used instead.

Financial Assistance for Home Care in Lawrence, MA

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Lawrence Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Lawrence:

ResourceContactAddressService
Lawrence Council on Aging(978) 620-3540155 Haverhill Street, Lawrence, MA 01840The Council on Aging for the City of Lawrence operates a wide variety of services and programs to help seniors in the community age in place. Some of these are available at the local senior center. The Housing Assistance Advocate can help seniors ensure that their home meets their mobility and health needs. They also provide Meals on Wheels and information about local legal and fuel assistance.
LIHEAP Fuel Assistance(978) 681-4900305 Essex Street 4th Floor, Lawrence, MA 01840Provided by the Greater Lawrence Community Action Council, LIHEAP helps pay for a portion of heating bills for residents who are at risk. Funds are submitted directly to utilities for this purpose. This program is available for households that earn less than $37,360 per year. Proof of residence and valid photo identifications will be needed to apply. In addition, local law prevents utilities from shutting off service for those aged 65 and over between November 15 to March 15.
Home Modification Loan Program(978) 654-574117 Kirk Street, Lowel, MA 01852This loan program, which is operated by Community Teamwork, gives seniors the funding they need to make accessibility and safety modifications so they can remain independent in their own homes. Loan amounts are between $1,000 and $50,000, depending on the income of the applicant. This is a 0% deferred payment loan that the homeowner can use to hire contractors of their choice. Unfortunately, there are no reimbursements available for already completed work. 
Elderly Statutory Exemption(978)-620-3190200 Common Street, Lawrence, MA 01840The city of Lawrence offers a modest homestead exemption for low-income seniors. To be eligible, at least one owner must be aged 70 or over, and the residents can’t have an income of more than $13,000 if they are single, and  $15,000 if they are married. The entire value of the owner’s estate, excluding property value, cannot exceed $28,000. Applications must be submitted with proof of income and residency to the city’s assessor’s office. The exemption is worth $500 per year. 
Meals on Wheels Program(978) 683-7747280 Merrimack Street, Suite 400, Lawrence, MA 01843The Elder Services of the Merrimack Valley provides a Meals on Wheels program that brings hot, nutritious meals to seniors in Lawrence who are unable to obtain meals on their own. These delivered meals meet one-third of daily USDA standards and they are available in many varieties, including renal, cardiac, chopped, ground and pureed. 

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Reviews of Communities Nearby

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Review of Associated Personal Care, an Amedisys Company

I'm using Associated Personal Care. They're private. They send out homemakers who live in the same general area that you do. I get two hours a day, two days a week with the option to do more if I...

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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