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Can Poor Elderly People Go Into Assisted Living Homes?
Date Updated: July 26, 2024
Written by:
Rachel Lustbader is a writer and editor with a background in healthcare and technology. Her work has been published on websites including HealthCare.com, BiteSizeBio.com, BetterHelp.com, Caring.com, and PayingforSeniorCare.com. She studied health science and public health at Boston University.
Both of Rachel’s grandmothers had very positive experiences in senior living communities, and Rachel saw firsthand the impact that kind, committed caregivers and community managers can have on seniors’ and their family members’ lives. With her work at Caring, Rachel hopes to help other families find communities, caregivers, and at-home products that benefit elderly loved ones and make life less stressful for family caregivers
Poor elderly people can go into assisted living homes. Assisted living can be expensive, with costs averaging $4,500 per month. More than 17 million Americans aged 65 and older survive on incomes well below the poverty line, leading many to believe that residential care is beyond their reach. However, financial assistance programs and subsidized housing options exist to help older adults cover the rent and care costs associated with assisted living.
Financial assistance for poor elderly people
Although support options vary by state, low-income seniors can find financial assistance from government-sponsored programs and nonprofit organizations.
Veteran’s benefits
The U.S. Department of Veterans Affairs doesn’t cover the rent in an assisted living community, but it helps cover some long-term care costs. Aid and Attendance is a monthly benefit for vets residing in long-term care or who require assistance with the activities of daily living.
Medicaid and Medicaid waivers
Seniors can also apply for state Medicaid waiver programs to cover additional expenses, such as room and board. Available in more than 40 states, Home and Community Based Services waivers are the most common assistance programs. Eligibility criteria vary, so seniors should contact their state’s Medicaid office for details.
State Assistance
Many states offer non-Medicaid benefit programs to help elderly residents afford assisted living. These programs include supplemental income and low-cost, state-run senior living communities. Seniors should contact their local Area Agency on Aging for information on available programs and eligibility requirements.
Assisted living option for low-income seniors
Adults aged 62 and older on low incomes may qualify for subsidized housing through the HUDs Section 202 Supportive Housing for the Elderly Program. Run by private and nonprofit organizations, homes and apartments under Section 202 often provide supportive services for elderly and disabled residents. This can include assistance with bathing, dressing and other activities of daily living. Seniors qualifying for the program can pay as little as 30% of their income on rent.
Seniors interested in learning more about Section 202 and the housing options available in their area can contact their regional HUD office.