Skip to content

6 Financial Options at The Arbors You Might Not Know About

Paying for long-term care is a challenge for all families, no matter their circumstances. It’s hard to know what health challenges your parents will face as they age, and the cost of care keeps rising.

Data from the Congressional Budget Office shows that long-term care expenditures in U.S. went from $30 billion in 1980 to $225 billion in 2015. The Center for Insurance Policy and Research reports that nearly 60 percent of individuals turning 65 between 2015 and 2019 will spend less than $25,000 on long-term care during their lifetimes, but more than 15 percent will spend more than $250,000.

The Arbors understands that everyone has different financial circumstances and that when it comes time to find an assisted living community, cost is an important factor. That’s why staff members take the time to walk families through the process of finding funding to assist in the cost of their personalized care services.

“We love your loved one like an extension of our own family,” says Ashley Harris, director of marketing at The Arbors at Winthrop. “We are a family company, and we actually mean it.”

What Does The Arbors Cost?

There are no large entrance fees or hidden costs at The Arbors. One monthly fee covers the cost of an apartment, utilities (except phone and cable television), and the use of community amenities and services.

Assisted living services covered by the monthly fee include:

  • Three meals served daily in the dining room
  • One hour per day of personal care services
  • 24-hour staffing
  • Weekly housekeeping, including flat linen service
  • Health promotion and exercise programs
  • Reminders for self-administered medication
  • Cultural, educational, and social activities
  • Scheduled transportation
  • Maintenance

If your loved one requires more than one hour per day of personal care services, the staff can provide more help for an additional charge. The Arbors also offers additional services for a fee based on service type and time. The staff will communicate with you, your family, and your health care team to form an assessment for recommended services.

What Are My Financial Options?

Most families pay for assisted living costs on their own by using a combination of pensions, home equity, and savings. However, there are numerous other ways you can pay for assisted living at The Arbors. Options include:

  • Veterans benefits: The U.S. Department of Veterans Affairs offers benefits for senior veterans. War veterans and their spouses may be eligible to receive nearly $2,000 per month to help defray the cost of assisted living care through the Aid and Attendance Program.
  • Long-term care insurance: Many people think long-term care insurance only covers nursing home care. Some long-term care policies do provide coverage for assisted living care. Features and benefits vary by health insurance company and policy.
  • Income tax deduction: The IRS offers tax deductions for qualified long-term care services, which may be deductible from gross income as an itemized deduction.
  • Affordable programs: The Arbors participates in the Low-income Housing Tax Credit and HOME programs. These programs offer lower monthly rents if your income falls below certain guidelines.
  • Medicaid/MassHealth programs: The Arbors also participates in various Medicaid/MassHealth programs, including the Group Adult Foster Care Program, the Personal Care Attendant Program, and the Program of All-Inclusive Care for the Elderly.
  • Companion apartments: For a cost-effective stay in assisted living, or for those who want companionship, The Arbors can help match your loved one with a roommate to share living costs and apartment space in the community. Each resident in a companion apartment has his or her own private bedroom but shares common areas.

How Do I Know What’s Right for My Family?

In addition to working with your regional veterans’ office, an insurance professional, and an accountant, someone from The Arbors team is always there to work with you to find support.

Just ask Tina. Every Wednesday, Tina hosts a radio show called Wake Up, Wednesday. As the director of the Westfield Council on Aging, Tina has a passion for helping older adults as well as the community in general. One Wednesday, Tina invited Bianca Syriac, who was working as the marketing director at The Arbors at Westfield.

“One of the things she talked about was how The Arbors has units that were for people with more of a limited income,” Tina recalls. “My husband was listening to the show, and when I got home, he said, ‘We need to look into that for my sister.’”

Shortly after Syriac came on Tina’s radio show, Tina and her husband went through their finances, reached out to The Arbors, and got the necessary medical forms filled out. Tina’s sister-in-law moved into The Arbors at Westfield shortly after Labor Day 2018.

“I am happy to report that it has gone swimmingly well on a lot of fronts,” Tina says.

If you want to learn more about how The Arbors supports family caregivers, download our eBook “How Moving My Loved One to The Arbors Eliminated My Caregiving Challenges”.

 

Did You Enjoy The Article? Get More Like This.

Receive relevant information, touching resident stories and helpful tips directly to your email inbox. All you need to do is subscribe to our VIP newsletter “Family Ties”. It’s FREE and you can unsubscribe anytime.

Search For

Browse by Topic

Recent Posts

Assisted Living Questions

Have More Questions?

Deciding to help a loved one transition to a senior living option is not an easy decision. We can help you get the clarity, answers, and support needed to lessen your worries and take the next steps.

Click the button below to let us know how we can help you further.

Back To Top

a box here


NOTE: Your privacy is important to us. We’ll never share your details or spam your inbox.


NOTE: Your privacy is important to us. We’ll never share your details or spam your inbox.


NOTE: Your privacy is important to us. We’ll never share your details or spam your inbox.


NOTE: Your privacy is important to us. We’ll never share your details or spam your inbox.


NOTE: Your privacy is important to us. We’ll never share your details or spam your inbox.


NOTE: Your privacy is important to us. We’ll never share your details or spam your inbox.


NOTE: Your privacy is important to us. We’ll never share your details or spam your inbox.


NOTE: Your privacy is important to us. We’ll never share your details or spam your inbox.


NOTE: Your privacy is important to us. We’ll never share your details or spam your inbox.

Instant Access to Our eBrochure

Simply enter your details below to get access.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Our eBrochure

Simply enter your details below to get access.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

[activecampaign form=91 css=1]
Note: Your Privacy is very important to us and your details are kept confidential.
You can easily unsubscribe at any time.

Instant Access to the Program Overview Brochure

Get more details about our signature Memory Care program to determine how well it will fit your loved one’s situation. Simply fill out the fields below to get access to the PDF.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Have you decided that assisted living is the best option for your elderly parent, and now are feeling overwhelmed on how to begin your search for the right community?

This guide will go over what you need to know before you make a decision.

[activecampaign form=23]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Are you considering assisted living for yourself or a loved one but are hesitant about the cost? Assisted living costs, services and amenities vary greatly among the last and most expensive communities, and costs are higher in some states than others.

This guide will answer questions you may have about the costs of assisted living and recommend resources to help you pay for it.

[activecampaign form=22]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Talking to your aging parent about moving to an assisted living community isn’t easy.

Often, many adult children avoid bringing it up because it can be a sensitive topic.

This guide will provide you with helpful tips and insight on how to have a productive conversation with your parent and siblings regarding your parent’s future.

[activecampaign form=21]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Difficult behaviors in elderly adults are very common. They may be an expression of frustration your loved one feels or a symptom of early stages of dementia or Alzheimer’s.

This guide will provide you with skills and knowledge on how to handle difficult behaviors your aging parent may be experiencing.

[activecampaign form=20]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Becoming a family caregiver can be a rewarding experience. It also has its challenges.

There are many questions to answer before making the decision to take care of a loved one.

This guide will provide answers to questions you may have on this topic.

[activecampaign form=19]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Is your parent or loved one depressed, or just in a bad mood?

What does medication and illness have to do with depression?

How can you help? In this guide, you will be provided with answers to the difficult questions you may have about depression.

[activecampaign form=18]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Has your aging parent recently lost interest in activities they used to enjoy? Have you noticed a change in their mood and behavior?

This guide will provide you with resources and tools on how to identify depression, what are the common causes of depression, and how to promote mental health in your aging loved one.

[activecampaign form=17]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Does your loved one need more support than what they are getting? Would they benefit from some assistance with daily activities?

In this guide, you’ll find answers to the most common questions asked about assisted living.

[activecampaign form=16]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Where do you start searching for assisted living or memory care communities?

What qualities in a community should you look for? How do you know you made the right decision?

[activecampaign form=15]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Has your dad stopped getting together for lunches or outings with friends or visits with neighbors? Have you stopped enjoying time with your parents because you’re a caregiver?

Choosing an assisted living community is a big decision. Learn how to find the right one for you and your loved one.

[activecampaign form=14]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


No one ever plans to be sick or disabled, and disasters, man-made or natural, can happen at any time, anywhere.

Yet older adults are among the most vulnerable during a crisis. That’s why it’s critical that seniors, and those who care for them, prepare for emergencies.

[activecampaign form=13]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Moving to assisted living is a life-changing event.

This guide provides tips and ideas on downsizing, what to pack and how to make the transition smooth for your senior parent.

[activecampaign form=12]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


In this eBook, you’ll learn how to talk with family and friends about caregiving challenges, how to deal with a parent who is resistant to help, how to get more caregiving help from your siblings, and how to keep your job while caregiving.

[activecampaign form=11]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Have you had to cut back your hours at work to care for your mom? Are you worried about administering medications or injections?

Have you stopped getting together with friends, either because you don’t have the time or you’re too exhausted? Are you becoming the invisible second patient?

[activecampaign form=10]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


A Guide to the Most Common Family Caregiver Challenges Associated with Caring for an Aging Parent.

You’ll learn about the true costs of being a family caregiver, common family conflicts that can occur when caring for parents, and some of the unexpected challenges of caregiving.

[activecampaign form=9]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


In this guide, you’ll learn about the difference between Alzheimer’s and dementia, including the early symptoms of dementia; the seven stages of dementia and the symptoms that typically accompany each one; and the signs it’s time to start exploring your memory care options.

[activecampaign form=8]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


In this guide, you’ll learn about the difference between assisted living and memory care, how health care professionals are trained in dementia care, common features of a memory care community, and questions you should ask when exploring your memory care options.

[activecampaign form=7]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Navigating adult sibling relationships can be a challenge, but coming together for the sake of your parent is important.

In this guide, you’ll learn about common sibling conflicts that arise when caring for parents, strategies for getting siblings on board, and where to turn to for help.

[activecampaign form=6]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


Assisted living can be a touchy subject. No matter how you approach it, your parent is likely to have objections to something.

As you help them transition to a new stage of life, it helps to be prepared with answers to their questions and concerns.

[activecampaign form=5]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


This checklist will help to make sure you are getting the most out of your visit to The Arbors.

The list details what important questions to ask during your visit so you are able to make an enlightened choice and find the best assisted living community for your needs.

[activecampaign form=4]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide


If you’re unsure what Assisted Living looks like in real life, whether there is a difference with nursing homes or a desire to see how community life unfolds, then this guide is exactly what you need.

A guide to discover the Care Team and a Typical Day in Assisted Living.

[activecampaign form=3]
NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

The Arbors Assisted Living-Guide-How to Choose the Right Assisted Living Community: What You Need to Know Before You Begin Your SearchHave you decided that assisted living is the best option for your elderly parent, and now are feeling overwhelmed on how to begin your search for the right community?

This guide will go over what you need to know before you make a decision.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

The Arbors Assisted Living-Guide-Assisted Living Costs and AffordabilityAre you considering assisted living for yourself or a loved one but are hesitant about the cost? Assisted living costs, services and amenities vary greatly among the last and most expensive communities, and costs are higher in some states than others.

This guide will answer questions you may have about the costs of assisted living and recommend resources to help you pay for it.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

The Arbors Assisted Living-Guide-Having “The Talk” With Your Parent: It’s Time for Assisted Living
Talking to your aging parent about moving to an assisted living community isn’t easy.

Often, many adult children avoid bringing it up because it can be a sensitive topic.

This guide will provide you with helpful tips and insight on how to have a productive conversation with your parent and siblings regarding your parent’s future.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

The Arbors Assisted Living-Guide-The Challenges of Aging: How to Handle Your Aging Parent’s Difficult BehaviorsDifficult behaviors in elderly adults are very common. They may be an expression of frustration your loved one feels or a symptom of early stages of dementia or Alzheimer’s.

This guide will provide you with skills and knowledge on how to handle difficult behaviors your aging parent may be experiencing.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

The Arbors Assisted Living-Guide-Becoming a Family Caregiver: What You Need to Know Before Deciding to Take Care of a Loved One
Becoming a family caregiver can be a rewarding experience. It also has its challenges.

There are many questions to answer before making the decision to take care of a loved one.

This guide will provide answers to questions you may have on this topic.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

The Arbors Assisted Living-Guide-Helping Your Parent Manage DepressionIs your parent or loved one depressed, or just in a bad mood?

What does medication and illness have to do with depression?

How can you help? In this guide, you will be provided with answers to the difficult questions you may have about depression.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

The Arbors Assisted Living-Guide-Is It Depression? A Guide to Identifying and Addressing Depression in Aging AdultsHas your aging parent recently lost interest in activities they used to enjoy? Have you noticed a change in their mood and behavior?

This guide will provide you with resources and tools on how to identify depression, what are the common causes of depression, and how to promote mental health in your aging loved one.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

The Arbors Assisted Living-Guide-Assisted Living Frequently Asked Questions and Answers
Does your loved one need more support than what they are getting? Would they benefit from some assistance with daily activities?

In this guide, you’ll find answers to the most common questions asked about assisted living.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

The Arbors Assisted Living-Guide-Why We Chose the Arbors Assisted Living and Memory Care: A Collection of Stories from Residents Living at The ArborsWhere do you start searching for assisted living or memory care communities?

What qualities in a community should you look for? How do you know you made the right decision?


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

The Arbors Assisted Living-Guide-7 Warning Signs It’s Time to Make the Move to Assisted Living
Has your dad stopped getting together for lunches or outings with friends or visits with neighbors? Have you stopped enjoying time with your parents because you’re a caregiver?

Choosing an assisted living community is a big decision. Learn how to find the right one for you and your loved one.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

Guide-Getting Your Affairs in Order
No one ever plans to be sick or disabled, and disasters, man-made or natural, can happen at any time, anywhere.

Yet older adults are among the most vulnerable during a crisis. That’s why it’s critical that seniors, and those who care for them, prepare for emergencies.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

Guide-Guide to Making the Move to Assisted Living
Moving to assisted living is a life-changing event.

This guide provides tips and ideas on downsizing, what to pack and how to make the transition smooth for your senior parent.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

Guide-Solutions to Common Caregiving ChallengesIn this eBook, you’ll learn how to talk with family and friends about caregiving challenges, how to deal with a parent who is resistant to help, how to get more caregiving help from your siblings, and how to keep your job while caregiving.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

How Moving My Loved One to The Arbors Eliminated My Caregiving ChallengesHave you had to cut back your hours at work to care for your mom? Are you worried about administering medications or injections?

Have you stopped getting together with friends, either because you don’t have the time or you’re too exhausted? Are you becoming the invisible second patient?


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

Guide-When is the Right Time for Memory Care?In this guide, you’ll learn about the difference between Alzheimer’s and dementia, including the early symptoms of dementia; the seven stages of dementia and the symptoms that typically accompany each one; and the signs it’s time to start exploring your memory care options.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

Guide-What to Look for in a Memory Care CommunityIn this guide, you’ll learn about the difference between assisted living and memory care, how healthcare professionals are trained in dementia care, common features of a memory care community, and questions you should ask when exploring your memory care options.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

Guide-Brothers and Sisters
Navigating adult sibling relationships can be a challenge, but coming together for the sake of your parent is important.

In this guide, you’ll learn about common sibling conflicts that arise when caring for parents, strategies for getting siblings on board, and where to turn to for help.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

Guide-The StandoffAssisted living can be a touchy subject. No matter how you approach it, your parent is likely to have objections to something.

As you help them transition to a new stage of life, it helps to be prepared with answers to their questions and concerns.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

Guide-11 Most Common Caregiving Challenges
A Guide to the Most Common Family Caregiver Challenges Associated with Caring for an Aging Parent.

You’ll learn about the true costs of being a family caregiver, common family conflicts that can occur when caring for parents, and some of the unexpected challenges of caregiving.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

Guide-Checklist_ Questions to Ask When Touring an Assisted Living Community
This checklist will help to make sure you are getting the most out of your visit to The Arbors.

The list details what important questions to ask during your visit so you are able to make an enlightened choice and find the best assisted living community for your needs.

NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Guide

 

Guide-What is Assisted Living Really LikeIf you’re unsure what Assisted Living looks like in real life, whether there is a difference with nursing homes or a desire to see how community life unfolds, then this guide is exactly what you need.

A guide to discover the Care Team and a Typical Day in Assisted Living.

NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.

Instant Access to Free Cost Comparison guide

You’re probably wondering how much the different senior living options compare to your current situation.
If you do, then this guide is exactly what you need.


NOTE: Your privacy is important to us. We’ll never share your details nor spam your inbox.


NOTE: Your privacy is important to us. We’ll never share your details or spam your inbox.

[activecampaign form=8]