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Independent Living in Delaware
Seniors looking for a peaceful place to retire may find Delaware suits their needs. The state is known for its pristine beaches, mild weather and quaint towns, but even in one of Delaware’s seaside retreats, seniors aren’t far from the action. Major cities like Baltimore, Philadelphia and Washington D.C. are just a short drive away, and there are big city attractions in the state, with shopping, arts and dining easy to find in Wilmington.
Delaware has other attractions besides the miles of shoreline. Almost 20% of the state’s 990,000 residents are aged 65 and older, so there are plenty of services and amenities designed for older adults. The state is also known for being tax-friendly due to a lack of inheritance and sales taxes and generous income tax deductions for retirees. Seniors can find good health care locally, and some of the country’s best hospitals are within driving distance if complex care is required.
The cost for independent living communities in Delaware averages $4,348 per month. This guide includes further information about the cost of independent living in the state, how to fund a transition to an independent living community and some of the resources available for seniors in the state.
The Cost of Independent Living in Delaware
When trying to decide how to pay for independent 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, Caring.com has compiled proprietary cost data from its network of over 75,000 senior living providers to offer insight into the average cost of independent living in Delaware and its 3 cities.
The Cost of Independent Living in Delaware's Top Cities
When looking at independent living across Delaware, costs remain fairly clustered. Both Wilmington and Newark are equal at $3,290, but they're also in the same county and offer similar amenities. Kennett Square just across the state line in Pennsylvania is only $2,982, but down by the water in Rehoboth Beach, costs rise to $4,200 and reflect the more expensive surroundings. Although Delaware is a small state, comparing area costs is still important.
Delaware
$3,472
Wilmington
$3,290
Rehoboth Beach
$4,200
Newark
$3,290
Kennett Square, PA
$2,982
Inflation's Impact on the Cost of Independent Living in Delaware
Inflation has been on quite a journey from 2022 to 2023, with significant increases for independent living costs in some states and decreases in others. Delaware saw a 2.9% decrease, while the U.S. had a modest 5.2% increase overall, reaching $2,955 in 2023.
When looking at neighboring states, the story changes a bit. Maryland and Virginia both saw a modest increase of 5.2% and 4.4% respectively, but Pennsylvania went against the grain and decreased 10.8%. New Jersey is the standout in the group with its jaw-dropping 40.7% increase! It's pretty evident inflation's impact can vary significantly, so plan ahead.
| Location | 2022 Cost (Historical) | 2023 Cost (Current) | 2024 Cost (Estimated) |
|---|---|---|---|
| Delaware | $3,575 | $3,472 | $3,698 |
| U.S. Average | $2,810 | $2,955 | $3,162 |
| Maryland | $3,313 | $3,484 | $3,710 |
| Pennsylvania | $3,603 | $3,215 | $3,675 |
| New Jersey | $2,387 | $3,358 | $3,894 |
| Virginia | $3,060 | $3,194 | $3,417 |
The Costs of Other Types of Senior Living
Let's dive into senior living costs in Delaware. Assisted living comes in at $4,587, which is a more budget-friendly choice compared to memory care at $6,049, but independent living is only $3,472. The reason for these differences lies in the level of assistance provided and the amenities available. The unique services offered in memory care often require a higher price tag. It's important to balance needs with preferences for a well-rounded decision.
Assisted Living
$4,587
Memory Care
$6,049
Independent Living
$3,472
Can You Use Medicare or Medicaid to Pay for Independent Living in Delaware?
Unfortunately, you cannot use Medicaid and Medicare to help pay the monthly fee for residing in an Independent Living community. For seniors who need help with Activities of Daily Living (ADLs), there may be financial assistance programs available to help cover the cost of care in Independent Living. For more information about financial assistance for those who need a higher level of care, read our guide to Assisted Living in Delaware.
Read on for more information about using alternative means to make Independent Living more affordable, such as retirement funds, the sale of a home, etc.
Paying for Independent Living in Delaware
There are many ways for seniors to fund a move into an independent living community. For older adults who are downsizing, the proceeds of the sale of their homes can be used for independent living. Homeowners can also rent out their existing homes or take out a reverse mortgage to help fund the transition. Seniors may be able to use their existing income to cover monthly expenses as housing, transportation and meals are often included. Our independent living page has more information about paying for independent living.
Free and Low-Cost Resources for Seniors in Delaware
There are many resources in Delaware that assist seniors in their retirement. Caring.com 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 Name | Phone Number | Description |
|---|---|---|
| Delaware Division of Services for Aging and Adults with Physical Disabilities | 800-223-9074 | Delaware's Area Agencies on Aging offer services to support the health and well-being of seniors in the state. They provide community services to meet the nutritional, health, social, emotional and recreational needs of older adults. AAAs offer easy access to information regarding support services and long-term care options. The agencies empower seniors and assist them in maintaining their independence through respite care, nutrition programs and support groups. |
Cash Assistance Programs
Cash assistance programs in Delaware 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 Name | Phone Number | Description |
|---|---|---|
| Delaware Emergency Assistance Services | Seniors who are living on a low income may qualify for ongoing government assistance to help them purchase food or cover urgent bills. There are also emergency government assistance programs that can help with unforeseen expenses or shortterm bills. | |
| Delaware Lifeline Program | 800-234-9473 | The 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, Delaware 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 Name | Phone Number | Description |
|---|---|---|
| Delaware Program of All-Inclusive Care for the Elderly (PACE) | The Program of All-Inclusive Care for the Elderly is available in some parts of Delaware but isn't statewide. PACE doesn't provide funds directly. Rather it simplifies the Medicare and Medicaid process, providing a single point of contact for all Medicare and Medicaid payments, claims and assessments. |
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 Delaware seniors afford the nutritious food they need.
| Program Name | Phone Number | Description |
|---|---|---|
| Delaware Meals on Wheels | Delaware Meals on Wheels provides hot, nutritious home-delivered meals to homebound seniors and disabled residents throughout the state. The program is administered through five organizations: City Fare Meals on Wheels in New Castle County, Newark Senior Center, Modern Maturity Center in Kent County, CHEER in Sussex County and Meals on Wheels Lewis-Rehoboth. Seniors can contact their nearest program for food delivery. In addition to providing daily meals, the organization offers meal kits with nonperishable foods to stock seniors' kitchens. |
Financial Assistance for Senior Living
Low-income elderly individuals in senior living communities can access financial assistance through local-run programs. These Delaware resources offer advice, guidance and support to help older adults pay for the services offered by long-term care providers.
| Program Name | Phone Number | Description |
|---|---|---|
| Delaware Diamond State Health Plan - Plus | 800‐996‐9969 | The Diamond State Health Plan - Plus is a Medicaid waiver that covers long-term care options for seniors, including nursing home care. The state discontinued several other waivers for the elderly and disabled and created one simplified waiver to help seniors who require varying levels of care either in the community or in nursing facilities. This managed long-term care waiver is divided into two sub-programs, the Nursing Facility Program and the Long-Term Care Community Services Program. While the program is for managed care, there's still some scope for consumer-directed care. Seniors can choose providers for certain elements of their care, including hiring family members if desired. |
Free Used Medical Equipment
Due to the high cost of purchasing new medical equipment, several organizations in Delaware collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.
| Program Name | Phone Number | Description |
|---|---|---|
| Delaware Assistive Technology Initiative | 800-223-9074 | The Delaware Assistive Technology Initiative provides short-term durable medical equipment loans to individuals experiencing temporary illness, are having other equipment repaired or simply wish to try a medical device before committing to a purchase. |
Health Insurance & Prescription Drug Coverage for Seniors
Delaware 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 Name | Phone Number | Description |
|---|---|---|
| Delaware Prescription Assistance Program | 844-245-9580 | The Delaware Prescription Assistance Program offers support for individuals who are unable to cover the cost of prescription drugs themselves. The program is aimed at low-income individuals who have no prescription drug cover other than Medicare Part D and those who have an income below 200% of the federal poverty level. This program is open to elderly or disabled individuals who cannot cover the cost of physician-prescribed drugs and those who are on a low income or whose prescription bills exceed 40% of their income. Seniors who qualify for the program may receive support of up to $3,000 per year toward the cost of Medicare Part D premiums and certain prescription medications. |
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 Delaware have different eligibility criteria and often assist retirees by providing grants or loans.
| Program Name | Phone Number | Description |
|---|---|---|
| Delaware Weatherization Assistance Program | 302-504-6111 | The Delaware Weatherization Assistance Program provides free home improvements to help make homes more energy efficient. The program offers a variety of assistance, including insulation, weather stripping, low-energy light bulbs and other home improvements. |
Legal Resources
Many organizations offer free or low-cost legal services to Delaware 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 Name | Phone Number | Description |
|---|---|---|
| Delaware Community Legal Aid Society, Inc. | 800-537-8383 | Delaware Community Legal Aid Society, Inc. provides free legal services to seniors aged 60 and older and adults with disabilities. Under the Elder Law Program, Delaware older adults can receive advice and information on a variety of senior-related issues, including living wills, powers of attorney, consumer problems and benefits. |
Social Security Offices
Social Security offices in Delaware 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 Name | Phone Number | Description |
|---|---|---|
| Delaware Social Security | Social 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 Delaware 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 Name | Phone Number | Description |
|---|---|---|
| Delaware Senior School Property Tax Relief | The Senior School Property Tax Relief program offers a discount on property taxes of 50% up to a total value of $400. The relief can only be applied to the senior's primary residence. |
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. Delaware retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.
| Program Name | Phone Number | Description |
|---|---|---|
| Delaware Low-Income Home Energy Assistance Program (LIHEAP) | The Low-Income Home Energy Assistance Program assists families struggling with their utility bills in the form of emergency payments to assist with heating bills during winter and air conditioning during the summer months. |
Veteran's Services
Delaware 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 Name | Phone Number | Description |
|---|---|---|
| Delaware VA Benefits and Health Care | The Delaware VA Benefits and Health Care program offers medical care and additional benefits to seniors throughout the state. Through the state's VA program, seniors who served in the military often qualify for services and retirement benefits. The main VA Medical Center is located in Wilmington, and the VA also has outpatient clinics or vet centers in Dover, Georgetown and Wilmington. |
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