Charleston, South Carolina is home to a variety of facilities that provide a full range of assisted living lifestyle options in senior communities. Examples of assisted living services include getting a helping hand with daily living activities such as bathing and dressing, grocery shopping and meal preparation, medication reminders, housekeeping and laundry, and transportation to doctor’s appointments. Here’s an overview of assisted living in Charleston, which includes a handy checklist to guide you when visiting a facility, and suggestions on how to budget for and cover the costs of provided services.
Once you have narrowed down your choices to a select few assisted living facilities, arrange to tour each one so you can meet with staff and ask questions. The Assisted Living Federation of America (ALFA) publishes the Guide to Choosing an Assisted Living Community, which features an extensive list of questions to ask and things you should be on the lookout for when visiting a facility. Samples of questions to ask during your tour include:
Is complimentary transportation provided? What types of recreational activities are provided? Does the dining plan accommodate special dietary needs? Does the facility allow residents to have dogs or cats? Are fitness and wellness programs available?
The annual median rates for one year of services at an assisted living facility in Charleston were $48,420 in 2016, according to the Genworth Cost of Care Survey. Those figures include projected 5-year annual growth rates of 4%. In contrast, the national median annual rates during that same period for the same type of services were $43,539 with 5-year projected annual growth rates of 2%.
Sometimes you need to consider alternative ways to budget and cover the costs of living expenses. One of the best ways to save money on assisted living services is by having a roommate. This option can work regardless of whether you receive in-home based services or decide to live in a senior community residence apartment. You can have a close friend or relative move in with you and agree to share the costs, which helps to lift the burden off your shoulders to make the costs affordable.
Government programs such as affordable housing, also referred to as Section 8 senior housing, can help to cover the costs of living in an assisted living facility. Affordable housing is based on using a sliding scale to determine rates based on your limited assets. Medicaid and Veterans (VA) Aid & Attendance Pension plans are other types of federal government programs to cover the costs.
You may also want to think about selling your home and using the funds to pay for an assisted living residence apartment. Reverse mortgages are yet another way to tackle the costs associated with getting assisted living services. The Federal Trade Commission (FTC) offers some helpful tips and suggestions for Home Equity Conversion Mortgage (HECMs), which are federally insured reverse mortgages.
Find assisted living in Charleston near you.