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Are Assisted Living Expenses Covered Under Disability Insurance?

Date Updated: July 26, 2024

Written by:

Andrea Miller

With over a decade of dedicated experience, Andrea Miller boasts an extensive background in healthcare writing and editing. Her expertise spans various facets of the healthcare industry, with a particular focus on nursing, senior care, Alzheimer’s disease, and public health. Andrea has also contributed her editorial talents to reputable publishers in the Philadelphia region, complementing her extensive freelance work.

Reviewed by:

Gene Altaffer

Gene Altaffer has a Masters in Gerontology from the University of Southern California and has worked in many avenues along the continuum of long-term care, assisting thousands of clients and their families since 1995. He also sold long-term care insurance from numerous carriers while also assisting families with retirement planning. Gene helps seniors navigate their Medicare plans, ensuring they understand their benefits and options.

Assisted living expenses aren’t directly covered under disability insurance. However, Social Security Disability Insurance lets you use your benefits for any living expenses, including the cost of an assisted living facility. Private insurance companies typically don’t cover long-term care and don’t pay benefits after age 65.

How much do you receive for SSDI?

Individuals receive an average of about $1,718 per month for SSDI, based on awarded payments as of December 2023. In addition, if you qualify for SSDI, you also qualify for health benefits through Medicare. To be eligible, you must have enough qualifying work hours in your lifetime and have a disability that prevents you from working. The exact amount you’ll receive for SSDI depends on the number of work hours you have and the total earnings for those hours.

Do SSDI payments cover assisted living?

Most SSDI payments don’t cover 100% of assisted living costs. The average monthly award of $1,718 only represents about 36% of the average monthly assisted living cost of $4,774 as of 2023.

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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