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Assisted Living New York

The older adult population is booming in the Big Apple. Nearly one in six New Yorkers are aged 65 or older, which includes about 17% of its population of more than 20 million people. The state boasts numerous famous landmarks and nationally ranked hospitals, including several New York-Presbyterian Hospital and Mount Sinai locations.

In our 2024 Senior Living Report, New York ranked sixth in the nation overall. While the state ranked first in the Transportation, Quality of Life, and Senior Living & Housing categories, it ranked near the bottom for affordability, and only middle of the road for Health Care. However, the state doesn’t tax Social Security benefits, federal and state government pensions, military retirement pay and up to $20,000 in private retirement plans, which benefits retirees. Older New Yorkers who need low to moderate assistance and want to live in a home-like residential setting pay an average of $4,580 for assisted living, only slightly higher than the national average.

This introductory guide to assisted living in New York covers the cost of senior care in the state and financial assistance available for assisted living, including assisted living waivers. It also provides contact information for nonprofit and government agencies that provide free or low-cost resources to seniors.

The Cost of Assisted Living in New York

When trying to decide how to pay for assisted living, one of the first questions that comes up is "How much does it cost?" With the impact of inflation, it's more important than ever to have up-to-date information when making a financial plan for senior living. To help shed light on real senior living prices, has compiled proprietary cost data from its network of over 75,000 senior living providers to offer insight into the average cost of assisted living in New York and its 71 cities.

The Cost of Assisted Living in New York's Top Cities

Care rates vary across cities and states. New York state averages $4,699, and prices in Buffalo City are practically the same at $4,698. But rates in New York City are below the state rate at $4,424, saving about $275. Moving to Brooklyn can save seniors about $1,311. However, the best savings can be found in Rochester at $2,091.

New York


New York City








Inflation's Impact on the Cost of Assisted Living in New York

Inflation significantly affects assisted living costs. In 2023, New York's costs rose by 14.86%, from $4,091 to $4,699, surpassing the 9.55% national average. Costs varied in other states: New Jersey decreased by 11.64%, Vermont increased by 11.75%, and Connecticut by 15.56%, while Massachusetts saw a modest rise of 7.63%. This stresses the importance of careful planning for senior living expenses.

Location2022 Cost (Historical)2023 Cost (Current)2024 Cost (Estimated)
New York$4,091$4,699$5,431
U.S. Average$4,070$4,459 $4,802
New Jersey$5,857$5,175$5,992

The Costs of Other Types of Senior Living

Different types of care attract different prices due to varying levels of services, expert assistance, amenities and facilities. Because of these variations, individuals can expect to pay the lowest fees of $3,372 for independent living in New York state. Assisted living costs more as seniors need expert assistance, with rates at $4,699. Because some individuals with cognitive decline, such as dementia, require greater care and safer environments, memory care prices average $6,449. 

Assisted Living


Memory Care


Independent Living


Does Medicaid Cover Assisted Living in New York?

New York’s Medicaid program directly helps with some assisted living costs based on income and assets. Senior New Yorkers also may be eligible for the state’s Medicaid Managed Long Term Care (MLTC) program, which delays nursing home admissions by providing home and community-based services (HCBS). Medicaid waivers/HCBS aren’t an entitlement program, so there are limited spots available. The New York Assisted Living Program (ALP) is another option for seniors who qualify.

What Assisted Living Services Are Covered by Medicaid in New York?

The New York MLTC Program Waiver and the New York Assisted Living Program are intended for seniors who require a nursing home level of care but want to live in assisted living facilities. Long-term care supports are provided to allow them to live in a less restrictive environment by providing the care they need to thrive and retain their independence. Covered services vary by program but may include:

  • Personal care assistance
  • Skilled nursing
  • Personal emergency response systems
  • Meal delivery
  • Housecleaning

Assisted Living Waiver Programs in New York

New York Managed Long-Term Care (MLTC) Program Waiver

The New York MLTC Program Waiver provides long-term supports for chronically ill or disabled residents in danger of nursing home placement. The primary goal is to prevent/delay admission to a nursing home through home and community-based services. Eligible individuals can live at home, with a relative or within assisted living but can’t be simultaneously enrolled in the New York MLTC and the ALP programs or reside in an adult foster care home. Each person’s plan of care determines which benefits they receive, so programs vary. Benefits that are helpful to those in assisted living might include:

  • Audiology services
  • Personal care assistance
  • Durable medical equipment
  • Care management
  • Personal emergency response systems
  • Dental services
  • Medical supplies
  • Optometry services
  • Podiatry
  • Private duty nursing
  • Occupational, physical and speech therapies

While many services provided through the MLTC program can be provided in an assisted living setting, the cost of room and board isn’t covered. To be eligible, applicants must meet specific functional and financial requirements, which include requiring long-term care for more than 120 days and hands-on assistance with three activities of daily living. The application process includes: 

  • Applying via the local Department of Social Services office
  • Calling NY Medicaid Choice’s Conflict-Free Evaluation & Enrollment Center at 855-222-8350 to request a functional needs assessment
  • Choosing an MLTC plan and completing a second assessment to create an individualized care plan

New York Assisted Living Program

New York’s ALP provides a supportive residential environment for seniors or disabled individuals who are at risk of being admitted to a nursing home. The goal is to prevent or delay nursing home care by providing personal and home health assistance in a long-term adult care facility licensed as an assisted living program. Based on financial means, a program participant may/may not pay for room and board out of their pocket. Other possible benefits include: 

  • Personal care assistance
  • Case management
  • Housekeeping
  • Medical supplies/equipment
  • Nursing services
  • Personal emergency response services
  • Occupational, physical and speech therapies

Medicaid pays for long-term care under this program but won’t cover room and board. However, Supplemental Security Income will supplement an individual’s income to cover room and board for those with limited income and assets. Those who don’t qualify for SSI can pay privately. The ALP has a limited number of available beds and a waitlist starts when all beds are full.

To be eligible, applicants must not be bedridden, require 24/7 nursing care or present a danger to other residents but are at risk of being placed into a nursing home. Applicants undergo a Uniform Assessment System eligibility assessment to determine whether they have a nursing home level of care. Income limits are higher for the ALP than other Medicaid programs and applying for ALP services requires getting approved in advance by the local Social Services District.

How To Know If You’re Eligible for Medicaid in New Yo

The New York Department of Social Services determines eligibility for Medicaid statewide. In general, applicants must: 


  • Be aged 65 or older
  • Be blind
  • Have a disability or have a family member in the household with a disability
  • Meet financial guidelines 


As of 2022, single applicants may have a monthly pre-tax income of no more than $934. New Yorkers aged 65 or older who don’t meet the eligibility requirements can become income eligible if they have high medical bills through the Medically Needy Pathway


2022 Medicaid Income Limits for Seniors in New York 

Household SizeNumber of ApplicantsIncome Limits Per Year*Asset Limits: Applicant(s)Asset Limits: Non-Applicants
One Person1$20,124$30,182
Two Person1$20,124$30,182**$148,620
Two Person2$27,216$40,821

*Depending on the facility setting, a recipient may not be able to keep income up to this level.
**Income limit is for applicant only.

To be eligible for New York Medicaid, applicants must also be:


  • A resident of New York State
  • A U.S. national, citizen, permanent resident or legal alien
  • In need of health care/insurance assistance with low income


How To Apply for Medicaid in New York

Prior to applying, ensure eligibility by taking the American Council on Aging’s free Medicaid eligibility test. Seniors in New York must apply for Medicaid with their local Department of Social Services office either in person or over the phone or they can apply online. The application process can take up to three months or longer. Applicants call New York Medicaid Choice at (888) 401-6582 with questions about their enrollment and help choosing and enrolling in a plan. They can also get help with the process by calling the Medicaid Helpline at (800) 541-2831.

Information You Will Need

To apply for Medicaid in New York, applicants must gather appropriate documents to provide proof of:

  • Identity
  • Residency
  • Citizenship/Immigration status
  • Income
  • Resources
  • Other health insurance, including Medicare

How To Get Help Applying for Medicaid

New York seniors have several sources to get help with Medicaid, including free resources that help them apply for coverage. The following resources help aging adults get the Medicaid coverage they need, understand their benefits and dispute denied claims.

ProgramContactServices provided
New York’s Health Insurance Information, Counseling, and Assistance Program(800) 701-0501New York State's HIICAP is the state health insurance assistance program (SHIP) and provides free information, counseling and assistance on Medicare, Medicaid and private insurance plans.
NY Connects(800) 342-9871NY Connects provides free, unbiased information on long-term services and supports, including Medicaid, for people of all ages or with any disability.
NYC Human Resources Administration(888) 692-6116The New York City HRA helps residents in the most populous city nationwide who are aged 65 or older, disabled or blind apply for Medicaid.

Does Medicare Cover Assisted Living in New York?

The short answer is that no, Medicare does not cover the cost of assisted living in New York. Assisted living facilities are considered to be a “residential setting” and not a “clinical setting,” (think nursing homes). While Medicare doesn’t cover the cost of care received in an assisted living community, it does still cover things like approved medications, doctor visits, medical equipment, etc., just like it would if you lived at home.

For more information about when Medicare can be used to pay for senior living in a nursing home, and for Medicare-related resources, see our guide to Nursing Homes in New York.

Other Financial Assistance Options for Assisted Living in New York

Seniors who are not eligible (due to location, financial situation, or other factors) for other types of financial assistance, do still have some options. See the table below for an overview of some of the most common ways to make Assisted Living affordable.

NameHow To ApplyHow It Works
Aid and AttendanceLearn more and apply online at who receive a VA pension may also be eligible for the Aid and Attendance benefit, a monthly cash allowance that veterans receive in addition to their standard pension amount. The benefit is intended for veterans in need of long-term care services and may be used towards paying for assisted living.
Reverse MortgagesLearn more about your options and how to apply at ftc.govIf you own a home, you may be able to use a reverse mortgage to help pay for assisted living. Reverse mortgages are loans that seniors can take out against the value of their home, essentially converting some of the home's equity into cash. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan.
Long-Term Care (LTC) InsuranceLearn more about Long-Term Care Insurance and how to apply for a policy at who already have long-term care insurance may be able to use it to pay for assisted living. Most policies cover at least a portion of the cost, but it depends on the specific policy terms. Note that older adults who are already in need of assisted living will not typically be eligible to sign up for a LTC insurance policy.

Free and Low-Cost Resources for Seniors in New York

There are many resources in New York that assist seniors in their retirement. has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.

Area Agency on Aging

Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.

Program NamePhone NumberDescription
New York Area Agencies on AgingNew York State has 59 Area Agencies on Aging, and they offer services to seniors that include legal services, home-delivered meals, transportation, social adult day services and case management. Seniors can also learn more about volunteer opportunities, get help with their insurance and receive advice about proper nutrition. Support is available to caregivers who need guidance or information about resources.

Cash Assistance Programs

Cash assistance programs in New York provide financial support to help low-income retirees remain in their own homes for as long as possible. Seniors and caregivers can apply for tax rebates and reductions, discounts on vital services and help covering the cost of heating and cooling their home.

Program NamePhone NumberDescription
New York Department of Social ServicesNew York's Department of Social Services plays a significant role in providing financial assistance for senior care. Through various programs and initiatives, the office offers support for seniors who require long-term care services. The department administers benefits such as Medicaid and Supplemental Security Income (SSI), which can help cover care costs for assisted living and nursing homes. It also offers a Home Care Services program, which gives seniors a number of in-home options should they choose to age in place.
New York Lifeline Program800-234-9473The LifeLine Program offers a discount on landline or mobile telephone service, ensuring that participants can stay in contact with loved ones.

Financial Assistance for Senior Care and Senior Living

Whether living in their own home or in a senior living community, New York seniors can find financial assistance from numerous local resources. These organizations help residents cover some of the costs associated with in-home or long-term care and connect them with other helpful community-based resources.

Program NamePhone NumberDescription
New York BenefitsCheckUp800-794-6559Benefits Checkup is a nationwide service that helps seniors understand their eligibility for benefits such as financial assistance to pay for food, medicines, health care and utilities. The service can outline what benefits are available locally and assist seniors with the application process.
New York NY ConnectsNY Connects is a state government website that directs New Yorkers to an array of useful services available in their communities. Visitors can use the site's search facilities to find a local provider loaning durable medical equipment free of charge.
New York Program for All-Inclusive Care for the Elderly (PACE)The PACE provider manages all medical and non-medical services in the senior's home or in an adult day care facility or nursing home. PACE combines Medicaid and Medicare services, with the organization responsible for all aspects of care, including the choice of physicians.

Food Assistance Programs

Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help New York seniors afford the nutritious food they need.

Program NamePhone NumberDescription
New York Meals on WheelsNew York Meals on Wheels helps connect seniors to food pantries, shared meal sites and home delivery options in their area. MOW volunteers can deliver hot lunches to homebound seniors who are unable to make their own meals, with the food delivery doubling as a welfare check. While program participants are encouraged to support the program with optional donations, there's no financial requirement to participate

Financial Assistance for Senior Living

Low-income elderly individuals in senior living communities can access financial assistance through local-run programs. These New York resources offer advice, guidance and support to help older adults pay for the services offered by long-term care providers.

Program NamePhone NumberDescription
New York Special Needs Assisted Living Voucher Demonstration Program for Persons with DementiaThe SNALR Voucher Program is a demonstration program that helps adults with Alzheimer's disease or dementia pay for care in an assisted living setting. It's designed to prevent enrollment in Medicaid and isn't available to those who are Medicaid-eligible. The vouchers subsidize up to 75% of the average monthly cost for care in the region. Because it's a demonstration program, there is a waitlist for new applicants.

Free Used Medical Equipment

Due to the high cost of purchasing new medical equipment, several organizations in New York collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.

Program NamePhone NumberDescription
New York Technology-Related Assistance for Individuals with Disabilities (TRAID)TRAID is a federally-sponsored program designed to help New Yorkers with disabilities get the equipment they need to live as independently as possible. Local TRAID centers can also refer visitors to other disability related services available in the area.

Health Insurance & Prescription Drug Coverage for Seniors

New York seniors who meet certain income criteria can apply to local resources to help them pay for prescription drugs. Eligible residents can also receive assistance through health insurance and other programs to access free or discounted medical services.

Program NamePhone NumberDescription
New York Elderly Pharmaceutical Insurance Coverage (EPIC) Program800-332-3742The New York Elderly Pharmaceutical Insurance Coverage Program provides secondary coverage for drugs included in Medicare Part D and other approved medications, including prescription vitamins. Additionally, it helps with Medicare Part D premiums for individuals earning under $23,000 annually. To qualify for EPIC, New York residents must be 65+ and not receiving full Medicaid benefits. They must be enrolled in or eligible for Medicare Part D and have income below $75,000. For married couples, the limit is $100,000.

Home Repair and Modifications

Seniors and those with disabilities can access a variety of local resources to help them pay for home repairs and modifications. Programs in New York have different eligibility criteria and often assist retirees by providing grants or loans.

Program NamePhone NumberDescription
New York Residential Emergency Services to Offer (Home) Repairs to the Elderly (RESTORE)New York's Residential Emergency Services To Offer Repairs to the Elderly, known as RESTORE, provides financial assistance to help low-income seniors repair their home. Participants must be at least 60 years of age and meet the income eligibility requirements. They must also own their home, which may be up to a four-unit residence, and reside in the home. RESTORE covers a wide variety of repairs, including structural, plumbing and heating repairs. It also covers modifications to make the home more accessible, such as ramps and grab bars.
New York Weatherization Assistance Program800-342-3009For approved applicants, the program can cover the costs of preparing their homes for changes in season, reducing their energy costs and increasing safety.

Many organizations offer free or low-cost legal services to New York seniors. Older adults can access advice on issues such as estate planning, living wills and power of attorney. Some firms also act as long-term care ombudsmen, advocating for the rights of seniors in senior living communities.

Program NamePhone NumberDescription
New York Office of the State Long Term Care Ombudsman855-582-6769The Office of the State Long Term Care Ombudsman advocates for the rights of Albany's seniors residing in assisted living, memory care, nursing homes and other senior living communities. It acts as a mediator, working with residents, families and care facilities to find mutually beneficial solutions to any issues that arise. The office also provides information and educates seniors and their families on their rights to ensure they live with dignity and a high quality of life.

Senior Centers

Senior centers in New York bring together residents through recreational activities and events. Many also offer advice and support on senior issues, run wellness and nutrition programs, and connect older adults with other resources in the local area.

Program NamePhone NumberDescription
New York State Department of HealthThe New York State Department of Health offers health insurance information and senior advocacy. The department also has free programs for seniors, such as the EISEP program, which allows individuals to access home care services such as personal care at reduced or no cost, depending on their income.

Medicaid Resources

Navigating the Medicaid system is often difficult and confusing. Several New York resources help older adults by providing advice on Medicaid options, waiver programs and eligibility criteria to help seniors receive the right health care benefits.

Program NamePhone NumberDescription
New York Managed Long Term Care (MLTC)866-881-2809MLTC is for existing Medicare beneficiaries, enabling them to continue using services they already receive under that program while covering other home care costs, such as skilled nursing, personal care and home-delivered meals.
New York Assisted Living Program (ALP)518-565-3300New York seniors who are eligible for Medicaid and in need of support in an assisted living setting can apply for the Assisted Living Waiver. For successful applicants, it can cover the costs of some or all of their room and board, emergency response services, occupational therapies and medical supplies and equipment. To qualify, the senior must be able to provide medical evidence that assisted living care is the best option for their needs and that they don't require nursing home levels of support 24/7. The program is limited to 85% of Medicaid recipients, resulting in strict interpretations of the eligibility requirements.

Social Security Offices

Social Security offices in New York help seniors and disabled people access the benefits they're entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.

Program NamePhone NumberDescription
New York Social SecuritySocial Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you'll receive monthly payments based on how much you earned when you were working.

Tax Assistance

Seniors can apply for tax assistance from several New York resources. Elderly residents and those with disabilities could be eligible for tax exemptions on medical expenses, reductions on property tax and other tax assistance programs.

Program NamePhone NumberDescription
New York Senior Citizen Homeowners' Exemption (SCHE)212-639-9675The exemption reduces the taxable assessment of the qualifying senior's home from anywhere between 5% and 50%, depending on how their local government and school district apply it. Maximum income limits also vary due to location.

Utility & Energy Bill Assistance

Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. New York retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.

Program NamePhone NumberDescription
New York Home Energy Assistance Program800-342-3009The program pays one benefit per year to low-income New Yorkers struggling to meet energy costs. There's also an emergency fund existing claimants can request if they're in danger of having their home fuel supply cut off.

Veteran's Services

New York retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they're eligible for and provide advice and information on a variety of issues.

Program NamePhone NumberDescription
New York VA Benefits and Health CareNew York VA Benefits and Health Care includes provisions specific to seniors, offering access to medical and mental health services, as well as help social needs, such as housing and in-home personal care. With major health care systems in Buffalo, Montrose and New York, including community living centers and outpatient clinics, seniors who partook in active service and are now aged 65 and older, have access to a wide range of health and wellness services.

Assisted Living Laws and Regulations in New York

The New York State Department of Health licenses and supervises adult care facilities that provide long-term residential care to adults, including assisted living residences (ALRs). New York has extensive rules and regulations regarding ALRs that these facilities must follow to keep their licenses.

Assisted Living Service Plan RequirementsA written individualized service plan must be developed for each resident upon admission. This plan must be developed with input from the resident, the resident’s representative and physician and a home care agency, if applicable. The plan must consider the resident’s medical, rehabilitation, cognitive, functional and nutritional needs and be reviewed and revised every six months or more frequently based on the changing needs of the resident.
Assisted Living Admission RequirementsAdults aged 55 or older who need limited supervision and help with personal care can live in an ALR. However, they can’t require continual nursing or medical care, suffer from a serious or persistent mental disability, be chronically bedfast or chairfast and require transfer assistance, regularly need assistance walking or going upstairs or downstairs, be chronically incontinent or pose a threat to themselves or others.
Assisted Living Scope of CareALRs must provide some assistance with personal care, such as bathing, dressing, grooming, eating and other activities of daily living. Residents also must be provided assistance with self-administration of medications, housekeeping tasks, case management and coordination of activities, such as social events. ALRs must provide three meals and an evening snack daily that adhere to the dietary allowances recommended by the National Academy of Science’s Food and Nutrition Board.
Assisted Living Medicaid PolicyALRs that serve residents who receive Medicaid must provide additional nursing and therapeutic services based on the recipient’s initial assessment and routine reassessments. Although New York doesn’t provide public subsidization of services for low-income individuals living in ALRs, they can receive personal care services through Medicaid for individuals in community settings, such as ALRs.
Assisted Living Facility RequirementsOperators must be licensed as an ALR by the New York Department of Health. The Department inspects ALRs every 12 to 18 months. If the facility follows all ALR laws and regulations, the ALR license is renewed every two years.
Medication Management RegulationsALR residents must take their medications themselves, but staff can give them reminders about taking their medications. Staff can also help residents identify, store, retrieve and open medications, and dispose of supplies related to these medications.
Staffing RequirementsALRs have set staffing requirements that include employing an administrator to oversee daily operations, a case manager to evaluate residents’ needs, personal services staff who provide direct care to residents and an activities director to coordinate activities for residents. The facility must have at least one person on duty at all times who is qualified to provide first-aid.
Staff Training RequirementsAll resident aides must receive 40 hours of initial training and 12 hours of in-service education every year on topics relevant to their job duties. Unlicensed administrators must complete 60 hours of continuing education every two years. All staff must go through facility orientation on policies, procedures, resident characteristics, disaster plans and emergency evacuation.
Background Checks for Assisted LivingALRs must complete criminal history background checks on all prospective non-licensed, direct care employees through the Division of Criminal Justice Services that include fingerprinting. Applicants must also provide the facility administrator with a sworn statement regarding any prior findings of patient abuse.
Requirements for Reporting AbuseAmendments to New York’s penal laws outline crimes against physically disabled and vulnerable elderly persons and require Protective Services for Adults to report suspected abuses against elderly persons to law enforcement.

Frequently Asked Questions

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