Housing Choices

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Frequently Asked Questions...


1. I do not have sufficient funds to pay for assisted living. Do I have other options?

If you have insufficient funds, you may be able to qualify for ALTCS, but if you do not qualify for ALTCS, you may perform a reverse mortgage, which is a loan for older homeowners (62+) to convert part of the equity in their homes into cash, tax free. A third option is a Life Insurance Settlement, and by selling this policy you will have access to a certain amount of cash.


2. How much does assisted living cost?

For private pay, assisted living homes cost on average between $1700.00 and $4000.00 per month, and nursing homes are $3500.00 and up per month, depending on the level of care necessary.


3. Are residential care homes regulated?

Yes, assisted living homes are regulated by the Health Department. Every year they must pass an extensive inspection.


4. Are there benefits of choosing residential care facilities over large facilities?

Yes, the cost is significantly lower, the care is more personal, and caregiver to resident ratio is on average 1:2, versus large facilities with a ratio of 1:17.




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