The FAQs of Assisted Living Costs

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As the baby-boom generation ages, assisted living will continue to grow in popularity. Assisted living communities offer seniors a way to live independently while getting assistance with daily living activities. While living alone comes with risks of social isolation and loneliness, assisted living offers a vibrant, social environment that improves mental and physical health.

Understanding assisted living costs can be confusing. Not all assisted living communities are alike.  Different communities offer different levels of care, a variety of services and varying pricing structures to top it all off.

It can be confusing. We’re here to help. Here’s a list of the most frequently asked questions when it comes to assisted living costs, and the answers.

Q: How much does assisted living cost?

The simple answer is $3,750. That’s the national average monthly rent for a one-bedroom apartment in an assisted living facility.

But the better answer is, it depends.

First, it depends on where you live.  The cost of assisted living varies just like home values do. The average cost of a one-bedroom assisted living unit in Manhattan is $5,600, but the average cost in Sioux Falls, South Dakota, is less than $2,900.

In addition to that, it depends on what level of care you need. Seniors who just need their meals prepared and help managing medications can pay far less than people who also need assistance with daily-living activities, such as bathing, dressing and getting in and out of bed.

Lastly, the regimen of recreational activities and the amenities a community offers can also be reflected in the price tag per community.

Q: How do I pay for it?

Most people pay for assisted-living expenses out of pocket, at least at first. That is because the insurance market hasn’t adapted well to how people use long-term care.

Private health insurance does not cover long-term care, and neither does Medicare. There is a special kind of insurance, long-term care insurance, that covers long-term care, though the market for it has been shrinking for some time, falling from 750,000 new policies issued in 2002 to only 89,000 new policies in 2016. (Even in 2012, less than 3 percent of people had long-term care insurance.)

The U.S. Veterans Administration has a provision in its Veterans Pension that pays an extra benefit for low-income pensioners who require “aid and attendance,” for which assisted living qualifies.

Private assets, such as savings, proceeds from the sale of a home or the sale of a life-insurance policy to a life-settlement provider, which converts the policy from a death benefit to a temporary income stream for long-term care costs.

For more information on ways to pay for assisted living, download our guide [Assisted Living Costs and Affordability].

Q: Will Medicare pay for it?

No. Medicare covers care that is medically necessary and that is provided by a skilled nursing facility, a Medicare certified home health agency or a hospice agency. It does not cover assisted living, which is designed to assist with the activities of daily living, not provide medical treatment.

Q: Why is assisted living so expensive?

At first glance, it may seem that assisted living comes with a hefty price tag.  Especially if you have already paid off your home. But, here’s food for thought: If you were to hire a full-time cook, in-home personal assistant, housekeeper, groundskeeper, maintenance supervisor, social coordinator and chauffeur, it would be quite expensive, even if you split the cost with a few dozen friends.

That’s essentially a move into an assisted living facility provides. From nutritious, well-balanced meals to someone nearby to help you in and out of the tub or remind you to take your medication, and a community of people to interact with and spend time with, or not worrying about who will mow the lawn, shovel the walk or replace a furnace filter.

There are many benefits to assisted living, and there are many options available that you can tailor to your needs. Paying for it can seem daunting, but it can also be more affordable than you think.

 

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

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    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


    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.


    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.


    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.


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

    Instant Access to Free Guide


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    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


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    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


    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.


    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.


    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?


    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.


    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.


    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.


    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.


    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?


    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.


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

    Instant Access to Free Guide


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    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.


    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.


    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.


    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.


    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.


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

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