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What are my options if I can't afford assisted living?

I am 72 yrs old on oxygen 24 hours a day. I have COPD and Hypertension. Blood Presure issues etc. Caused by stress and COPD. I am on a limited income with no assets, what can I do? I can still do many things in the home myself but have good days and bad days. Going to leave my son's home by February too stressful here will stay at a motel till my name comes up on a list for an apartment for disabled seniors at lower rent.
Thank You
Francine
Status: Open    Jan 02, 2016 - 02:40 PM

Medicare/Medicaid, Finance

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4 answers

Expert Answers

Jan 06, 2016 - 07:29 AM

It sounds like you are doing as well as you can under your circumstances. Income based housing would be my first suggestion and you have already started that. I would also check with some assisted or independent living facilities. Their stated prices may be more than your income but if you describe your situation they may be willing to accpept a bit less. I have assisted several clients in this manner. Most of the people who operate assisted living facilities do so because they enjoy it not because it is a way to get rich.
Medicaid in some states will pay for or pay some toward assisted living if you qualify medically/physically. Check with your county's elder services, contact A Place for Mom representative or the assisted living facility can tell you if there are programs to assist with payment. Look at your state's Medicaid web site for services for the aged or elderly. It might give you information about the benefits available.
While you are still able to get around I would also suggest visiting some skilled nursing facilities in your area in case the time comes that you need those services. It would be better to go to one that you like and have visited. The staff person there will likely be familiar with the Medicaid benefits available and know of some assisted or independent living facilities that might be help to you.
If none of these suggestions get you what you need contact an elder law attorney in your area. An attorney would probably assist pointing you in the right direction for no or very little charge.
I wish you Godspeed.

Voted Best Answer

Jan 06, 2016 - 07:29 AM

It sounds like you are doing as well as you can under your circumstances. Income based housing would be my first suggestion and you have already started that. I would also check with some assisted or independent living facilities. Their stated prices may be more than your income but if you describe your situation they may be willing to accpept a bit less. I have assisted several clients in this manner. Most of the people who operate assisted living facilities do so because they enjoy it not because it is a way to get rich.
Medicaid in some states will pay for or pay some toward assisted living if you qualify medically/physically. Check with your county's elder services, contact A Place for Mom representative or the assisted living facility can tell you if there are programs to assist with payment. Look at your state's Medicaid web site for services for the aged or elderly. It might give you information about the benefits available.
While you are still able to get around I would also suggest visiting some skilled nursing facilities in your area in case the time comes that you need those services. It would be better to go to one that you like and have visited. The staff person there will likely be familiar with the Medicaid benefits available and know of some assisted or independent living facilities that might be help to you.
If none of these suggestions get you what you need contact an elder law attorney in your area. An attorney would probably assist pointing you in the right direction for no or very little charge.
I wish you Godspeed.

Answers

Jan 03, 2016 - 08:07 AM

Is there a Senior Services near you? If so talk to someone there they may be able to help you. A hotel will be much more expensive option for you. In some areas it can be years before a name gets to the top of the list for lower rent apartments.
You might also want to contact http://www.eldercare.gov
Another option would be to contact the Township where you live or the County where you are.
Catholic Charities might be another option for you as well as HUD (Housing and Urban Development) http://www.hud.gov
As stressful as it might be I would not move until you can find a better option than a hotel

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May 10, 2016 - 02:52 AM

I think you should go for income based as well as affordable Assisted Living.Firstly you should try senior housing near to you. If it is not possible you should check in other area.My mother is 80 years old with disability. we cannot afford the royal assisted living so that`s why I took my friends advice for my mother for Assisted Living. They suggested me about Palm Cottages FL that provides very very good services at affordable prices. Now my mother is very happy there and facilitated with assistance with Hygiene, Grooming, Bathing and Toileting etc..

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May 20, 2016 - 09:23 PM

Do you have group homes in your area? In Atlanta, we have ranch houses that have a few bedrooms. A caregiver is present 24/7. I'm sure you can pay based on your need. Perhaps you can search for an option such as this. My heart goes out to you. I wish you the best.
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