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The 5 Best Home Care Agencies for Seniors in Delafield, WI for 2024
Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Delafield, WI, residents and their loved ones rate In Home Care agencies across the 7 options below.
Home Care Services in Delafield, Wisconsin
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Paying for Home Care in Delafield, WI
The Cost of Home Care in Delafield, WI
Home care agencies in Delafield charge $6,101 per month for services. This is nearly $600 higher than Wisconsin’s median rate of $5,529, and it’s over $1,000 higher than the national average of $4,957. Delafield is one of the most expensive places in Wisconsin to obtain this type of care. In Racine, rates exceed the state median but are more budget-friendly than Delafield’s average at $5,720 per month. Seniors in Oshkosh pay $5,339, and in Green Bay, monthly rates come in closer to the national median at $5,053.
Delafield
$6,101
Wisconsin
$5,529
The United States
$4,957
Racine
$5,720
Green Bay
$5,053
Oshkosh
$5,339
The Cost of Home Care vs. Other Senior Care Options in Delafield
Seniors in Delafield have several long-term care options to consider. Adult day health care, which provides daytime care in a community setting, is the most affordable option at $1,322 per month. Assisted living, which provides personal care, housing and meals, costs $5,324 per month. Older adults who opt for care in their own homes pay $6,101 for home care and home health care, and those living in nursing homes pay $5,324 for semiprivate accommodations.
Home Care
$6,101
Home Health Care
$6,101
Adult Day Health Care
$1,322
Assisted Living Facility
$5,342
Nursing Home Facility (semiprivate room)
$10,872
Note: Data for Delafield was unavailable, so data for the nearest city, Milwaukee, was used instead.
Financial Assistance for Home Care in Delafield, WI
Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.
- Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
- Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
- Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
- Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living.Contact the Department of Veterans Affairs to learn more.
- Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.
Free & Low-Cost Home Care Resources in Delafield, WI
In Delafield, there are several agencies and programs seniors can access for the support and services they need to remain safely in their home. The following table highlights organizations that provide free and low-cost case management, home-delivered meals, transportation and respite services.
| Resource | Contact | Service |
|---|---|---|
| Aging & Disability Resource Center of Waukesha County | (262) 548-7848 | The county’s ADRC provides a full range of programs and services to help Delafield’s aging population remain as independent as possible. Its Respite Care program provides short-term relief for unpaid caregivers, and it has a range of caregiver services available, including general in-home care, home modification installation services, bill management assistance and a regularly published caregiver newsletter. The ADRC has benefits counselors who help older adults determine their options for paying for senior care, and it has information specialists who provide referrals for resources in the community. It also has a home-delivered meal and congregate dining program and provides specialized transportation for qualifying individuals. |
| Community Advocates, Inc. | (414) 449-4777 | Community Advocates is a local nonprofit organization that serves seniors in the Delafield region. Its SSI and Disability Advocacy program helps eligible individuals through legal referrals, information and advocacy, and through its Rent Assistance program, it helps those who are behind on rent payments to avoid evictions. The organization also has an energy assistance program that provides one-time payments to help cover energy bills. |
| Impact 211 | 2-1-1 | Impact 211 is a phone-based information and referral service for residents in the Delafield region. It has a 24-hour helpline with information specialists who can connect seniors with community-based programs that provide free and low-cost services. Through 211, older adults can find home-delivered and congregate meal programs, transportation services, housekeeping and chore services and respite care. The helpline can also connect seniors with benefits counselors who screen them for eligibility for veterans’ and age-related public benefits. |
| Tax Relief Programs | (608) 266-2486 | Retirees in Delafield may save money on living expenses and have more resources to put toward long-term care due to Wisconsin’s tax laws for seniors. The state provides a homestead credit for qualified homeowners aged 62 and over, reducing what they owe in property taxes for their homes. |
Determining Your Loved One’s Need for In-Home Care
Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.
Guidelines for Talking About In-Home Care
If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.
