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If you are a senior and are looking to move into an assisted living apartment, but are worried about the potential costs, there are some ways to help pay for it. From benefits provided by your insurance policy to applying for government-funded programs, here are some different ways to pay for your assisted living apartment.
Find Out How Much You Have
The first thing you should do is look into your current finances and see how much you have. Combine money from social security benefits, as well as money in your checking and savings accounts. If you have a retirement account, now is the time to see what your balance is. Combine all of your money that can be used for the apartment and consider whether or not it is enough. Even if you have enough cash for the apartment, you might still be able to get discounts or use some of these other methods to help pay some of your costs.
Utilize Insurance Benefits
If you have a long-term care insurance policy, you will most likely be able to use it to help pay for an assisted living facility. Call your insurance carrier and let them know you intend to move to an assisted living apartment. They will inform you of your option and how much they can pay for. Even if you don't have long-term care insurance, call your insurance carrier to see if you have any type of coverage for this sort of facility.
Sell Your Current Home
Some people choose to sell their current home in order to move into an assisted living home like The Cedars. This is a good option if your home is paid off, but even if it isn't, you may still come out with a profit that you can use for your new apartment. Get a good realtor who can help sell your home quickly so that you can move into the apartment faster.
Apply for Government Funding
Many states have government-funded programs to help assist you with assisted living costs. This includes various programs through the Social Security Administration, as well as HUD housing if you are considered low-income, or Medicaid. A visit to your local social security office is a good place to start in order to find out about these programs. While they may only pay a percentage of what you need for your apartment, it definitely helps when combined with other methods of affording your new home.
Share7 January 2015
