Kevin, since you live in one of the snowiest areas, if you want to avoid getting supermarket meals, Schwann's has good quality products (or at least they did a dozen years ago) and they'll deliver directly to your door.
I live in a middle to upper middle income suburban area, with many services and facilities. (Saratoga, NY). I really do not want to move far from my current neighborhood because of my familiarity with it, and because my friends are nearby. I keep watching for any new senior facilities being built within 15 miles or so, and would contact them to find out eligibility requirements. I am taking steps to make an appointment with an elder care lawyer sometime this year to review my overall situation, especially after reading all the helpful answers to many questions raised on AgingCare.com. Thanks again. Kevin.
Thanks, but we don't have anything like that around here. I think I will just stay put in my mobile home which has 3 bedrooms and 2 baths. It sounds big, but the rooms are a little on the small side. I don't want to live with anyone else, but having an extra bedroom and bath might come in very handy if I have to get a live-in aide. I eat out a lot, and also use prepared dishes from the local super-market, which is o.k. with me. Not fancy, but I don't like fancy stuff! Thanks again to all. Kevin.
Thanks for all the kind answers to my question. In addition to being independently wealthy, and on Medicare Advantage, I am currently living alone in my own mobile home. I have help for certain things, like mowing and snow blowing, so that is not a problem. There are a couple of private pay retirement communities nearby. They cost about $5,000 per month which I can afford, but I do not like that style of living, and they do not provide any kind of direct medical care. It would be possible to live there and in addition pay for Home Health Care as well. My current situation is similar to "Independent" living, but is far cheaper, and suits my style of living. I have decided to keep on living this way as long as I can, and when the need arises to pay independently for Home Health Aid services in my own home. I can probably do that for at least several years ,which brings me up to age 90. I don't know what I will do at that point, if I am still alive. I will probably consult an Elder Care Attorney to help me figure out what I can do then. I want to thank everyone who took the time to give me advice. It is much appreciated. Kevin.
I believe you are referring to the assisted living waiver program - medicade . The limit is $1999. Per month . You can't have a savings account or 401ks. If it's a married couple it's a $3000. A month limit
I had trouble understanding this question when it was first asked about 10 days ago and I still don't understand the underlying issues this second time around. What Jjariz posted is also what Kevin wrote in his first question on this subject, in addition to:
"I have checked the County Office for the Aging which maintains a list of AL facilities. I have checked that list and all the listed facilities have income limitations as they are federally subsidized and have to follow their regulations.."
I was not aware that AL facilities have income limitations, or are federally subsidized. I thought they were all private pay.
Does anyone know anything more about federally subsidized ALs? It's not so much that I'm interested in one now as that I would like to be aware of all possibilities. I might end up in one when I'm older.
The header was federally supported, and you can have too much income to qualify even to apply. There is a federal program assisted living in my neighborhood that won’t take application if you make too much. NOn subsidized AL only fine but not federal subsidized housing at least in our part of Texas.
Guestshopadmin - The person (Kevin1931)that asked this question said the following:
"I am independently wealthy, and have Medicare Advantage. My problem is that all locally available Assisted Living Facilities tell me my income is too high for eligibility to their facilities. "
It doesn't make sense that NONE of the facilities will take his money if he is independently wealthy and his income is high.
Jjariz, if you are trying to rent in Section 8 or HUD apartment that is lower income oriented, self pay does not matter. You won’t qualify based on the income or asset restrictions. We have a community in my neighborhood that is great, but hubs and I make too much money.
Kevin, if you are independently wealthy, you will not qualify for federally supported aka Section 8 aka HUD program properties. People who do qualify already are on waiting lists, sometimes for 2-5 years. Take the advice above, find a nice retirement community with amenities in an area that you like near doctors etc. and pay the money they require under market rates.
I've never really heard of Federally funded assisted living, so I thought you might be referring to Medicaid. I just googled this term and didn't really find anything. Perhaps low income senior housing is what I would call it. Are there other (not income dependent) facilities that you can look into? With any luck, others on this site will have a better idea of the terms. They do vary by region.
Thanks, but I am independently wealthy, and have Medicare Advantage. My problem is that all locally available Assisted Living Facilities tell me my income is too high for eligibility to their facilities. I offered to pay full market for entry, but they said they cannot do that. I live independently in a mobile home and pay for maintenance services as I need them. That works for me currently, but I am thinking about what I will have to do once I can no longer live independently . I may have to compromise and just use a Home Visiting Nurse service instead, and remain in my own home for as long as possible. Thanks again. Kevin.
Kevin, I believe you are asking about what it takes to qualify for Medicaid. If so, google Medicaid eligibility and add the state of residence. Alternatively, you might inquire with the facility you are thinking about.
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Would it be a good idea for you to be thinking about moving to a different area where there ARE continuing care facilities?
"I have checked the County Office for the Aging which maintains a list of AL facilities. I have checked that list and all the listed facilities have income limitations as they are federally subsidized and have to follow their regulations.."
https://www.agingcare.com/questions/my-income-is-above-income-limitations-for-assisted-living-facilities-in-my-area-any-suggestions-433187.htm
I was not aware that AL facilities have income limitations, or are federally subsidized. I thought they were all private pay.
Does anyone know anything more about federally subsidized ALs? It's not so much that I'm interested in one now as that I would like to be aware of all possibilities. I might end up in one when I'm older.
The person (Kevin1931)that asked this question said the following:
"I am independently wealthy, and have Medicare Advantage. My problem is that all locally available Assisted Living Facilities tell me my income is too high for eligibility to their facilities. "
It doesn't make sense that NONE of the facilities will take his money if he is independently wealthy and his income is high.
https://www.agingcare.com/search.aspx?searchterm=Kevin1931
Are there other (not income dependent) facilities that you can look into? With any luck, others on this site will have a better idea of the terms. They do vary by region.