The historical “Birthplace of Aviation” with its technological advances is a great place for progressive seniors to retire. The cost of living in Dayton influences the cost of senior living with over 160 senior care options available, however several benefits and insurance options exist to help Ohioans afford high-quality care.
As more seniors choose to remain at home, Dayton based home health services continue to grow. The cost for in-home care in the city is comparable to rates seen across the nation. The national median hourly rate is $20 compared to Dayton’s rate of $21. Home health aides can be employed for full-time shifts or only a few hours a week as needed.
Adult day centers in Dayton are much lower at $50 per day while the national average is $69 per day. The increase with the cost of care becomes more apparent with assisted living facilities. A one bedroom, single occupancy apartment in an assisted living community across the nation averages $3,600 per month. The same apartment in Dayton is $3,936.
Nursing homes are typically the option chosen for rehabilitative short-term care or intensive long-term care, especially for those residents suffering from Alzheimer’s disease. A semi-private room at a skilled nursing facility for a Dayton senior averages $250 per day. The national average is $220 per day.
Private rooms cost more in almost all states with an average of $250 per day. A private room in Dayton is $293 per day. Local facilities and services vary in costs. It is advisable to research and compare the type of care you or your loved one need.
Types of care available in Dayton include home health aides, assisted living communities, skilled nursing facilities, adult day centers, and memory care centers for Alzheimer’s disease and dementia patients.
Home health services allow you or your loved one to remain at home while providing care. The services are available for a few hours a week to a regular full-time schedule. Home health aides can help you or your loved one with daily tasks you are unable to perform right now, including light housekeeping, laundry, errands, grocery shopping, transportation, meal preparation, and medication management. Aides can also help with bathing and dressing.
Before hiring a service, confirm that the agency employs screened, insured, and bonded aides like the ones found at Arcadia Home Care and Staffing in Dayton.
Assisted living communities continue to grow in the area as more Ohioans enjoy socializing with other seniors with the same lifestyle or religious beliefs. These communities offer more than just senior care, but many times provide restaurant-style dining, beauty salons, barber shops, fitness classes, and social events. Facilities like Spring Hills Singing Woods, near the Oregon Historic District, provide an emergency call system and your choice of a large studio apartment or a one or two bedroom apartment.
Ask the assisted living facility you are touring if they offer continuum care to serve you throughout all stages of aging.
Skilled nursing facilities, also known as nursing homes, are now state of the art communities that provide physical, occupational, and speech therapy. Many facilities now offer memory care services for Alzheimer’s disease and dementia patients as well as hospice. Nursing homes like the Heartland of Centerville and Crestview Manor provide complimentary transportation and allow small pets.
Other facilities specialize in memory care, although you can often find these services as part of an assisted living facility or nursing home. The Grand Victorian Rose, near the University of Dayton and The Wright-Patterson Air Force Base, as well as other similar centers, offer this type of secured and personal care.
Planning early for senior living will afford you time to procure options to pay for care. Purchasing a long-term care policy will help with those future costs. If you do not have a long-term care policy, consider cashing in a life insurance policy early. Most people consider these policies for after-death expenses. However, you can receive a percentage of the face value now. The typical policy pays 50 to 75 percent if cashed in early or sold to a third-party company.
Medicare will cover short-term care in a skilled nursing facility up to 100 days per “spell.” Retirement benefits, SSI benefits, and certain insurances will cover senior care for long-term. Veterans can check with the Veterans Administration about the VA Aid and Attendance pension that will cover care for wartime vets and their spouses. Low income seniors may be eligible for the Ohio Medicaid program.
Consult an elder-law attorney before making any tough decisions about funding senior care with the equity in your home from a reverse mortgage or liquidating assets. Ohio provides numerous senior living options that can be affordable for you and your family.
Find assisted living in Dayton near you.