It can be challenging to decide whether to look for Alabama senior care for a loved one, so it makes sense that you would have concerns about the differences between your alternatives and how you would pay for them if you did. In an effort to shed light on this topic, we’ll be discussing five of the most often asked topics by families paying for Alabama Senior Care.
Should I Look Into Independent Living, Assisted Living, Memory Care, or a Nursing Home?
There are some similarities between these four choices, but the distinctions are significant enough that you should be confident in choosing the one that is best for your family at this time:
Independent Living: Retirement communities with optional housekeeping, laundry, and other services for seniors who can live independently.
Assisted Living: Assistance with personal care tasks such as bathing, clothing, and cooking for those who need it.
Memory Care: Elders with Alzheimer’s disease or other forms of dementia require special care.
Nursing Homes: Senior and disabled care centers are open around the clock.
How Much Do Each Of These Options For Senior Housing Cost?
The cost of senior care varies widely depending on the sort of assistance needed. The National Center for Assisted Living, based on a cost of care survey conducted in 2018, gives a monthly average of $4,000 for assisted living facilities in the United States. According to Paying for Senior Care, the average cost of a shared room in a nursing home amounts to $227 per day, while the monthly payment for a community that offers an Alzheimer’s or memory care component is roughly $1,150 greater than a conventional assisted living facility.
What Types of Financial Help Are There?
Assistance is available from government programs like the Aid & Attendance Household Benefit for veterans who need assisted living care. You should also look into whether or not you qualify for assistance from programs like Medicaid, which can help cover the cost of assisted living in some areas.
Is Assisted Living Covered by Long-Term Care (LTC) Insurance?
Long-term care insurance is another choice for paying for assisted living expenses. Bankrate estimates that the average daily benefit from these policies is around $50, so they are well worth looking into as a means of supplementing expenditures.
Does Your City or State Offer Any Financial Programs That Help Cover the Expenses of Senior Care?
It is possible to find financial aid for elderly care services through state-run programs other than Medicaid. These can come in the form of cash aid or other benefits meant to lessen the financial burden of assisted living and are offered in a variety of states. If you want to find out more about the various programs and whether or not you qualify, you can look through Paying for Senior Care’s state-by-state listing. Need more information about senior care or assisted living? Please get in touch with Our Care Community so that we may supply you with the data you require to make the right decision for your loved one.