Assisted Living Communities in Torrance, CA

In Torrance, assisted living communities typically accept a variety of public and private payment options, allowing seniors to mix funding sources. This includes state and federal health insurance benefits, programs available through the Veterans’ Administration and personal funds. Prospective residents should always confirm whether their preferred payment methods are accepted before selecting a facility.

• Medicaid: Because Torrance sits within the service area for California Medicaid’s Assisted Living Waiver, qualified seniors can use this program to pay for their care. Benefits under this waiver include personal care, meals and transportation.
• Medicare: Medicare doesn’t pay for standard assisted living services. However, residents who require medical support can use their Medicare Part B coverage to pay for skilled nursing services, durable medical equipment and physical and occupational therapies.
• VA Benefits: Veterans may qualify for Aid and Attendance, Housebound benefits or the Geriatrics and Extended Care program, reducing their out-of-pocket care costs. These programs can help seniors pay for transportation services, personal care, meals and housing.  
• Private payments: Long-term care insurance, monthly Social Security and pension income, proceeds from home sales and retirement savings cover remaining assisted living costs. Facilities accept private payments for room and board, personal care, recreational activities and meals.

• The cost of living in Torrance runs about 38% above the national norm. Fortunately, many assisted living centers keep care accessible to income-qualified individuals by accepting veterans’ benefits and Medicaid.
• While the Torrance region fares slightly worse than the typical California or U.S. city for community health conditions, residents report exceptional health and well-being. High access to exercise opportunities and a primary care doctor-to-patient ratio of 1:1,330 promote a healthy environment for assisted living residents.
• As a member of the AARP Age-Friendly Network, Torrance has officials who’ve dedicated resources to creating a welcoming, safe environment for older adults, including those in assisted living. The city scores 53 points on the livability index, well above the U.S. city norm of 48, for its high patient satisfaction rate, access to stores and parks and local transit services.
• Torrance has a comfortable climate with minimal temperature variance throughout the year, making it a prime retirement destination for seniors who enjoy spending time outdoors. Daytime temperatures range from 65 degrees Fahrenheit in the winter to 78 degrees Fahrenheit in the summer, and the city rarely has noticeable humidity.
• California imposes some of the highest income taxes in the nation. However, it helps seniors reduce their tax burdens through the senior income tax exemption. It also provides a full exemption for Social Security benefits, enabling some seniors to afford assisted living in Torrance.