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This hypothetical case assumes both people are identically healthy.


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I suppose it depends on the type of facility and what is common practice where you live but where I live sharing a room in AL is not at all the same as sharing an apartment, often the rates for a couple are comparable to or not significantly less than for two separate individuals.
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This really depends on the amount of care needed by the couple together and separately, how much space they require or desire...best to physically visit some of these places and see for yourself.

There is usually a base-rate and then the add ons--laundry, cleaning, pill delivery (that one floored me, costwise!) meals, injections needed, etc. It adds up very quickly.

It will be cheaper than separating them, but doesn't always work. I knew of a couple who had separate, but adjoining rooms. After 68 years together, they wanted a little space between them. That worked well for them, then when the wife needed more care, she was moved to a more 'hands on' area of the NH, and he stayed in his room, but could go 'visit' as he chose. Costwise, I think it was pretty equal to them having ONE place, which they could not have afforded when the wife moved.
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This is a question for an ALF in your area. They will be happy to answer for you. Start to visit a few of them. Each is an independent business entity. You can find out what they offer, and find out what their rules are. Ask for a copy of them, as they will explain care levels (hopefully) and etc.
Do know they may hound you thereafter with phone calls; as was said, they are a business. Someone here said the best way to get rid of them is to say you lied about having funds; that you have none and will be on Medicaid. They will disappear at once then.
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