Garland, Texas offers a variety of assisted living lifestyle options for seniors that want to remain independent while also getting a helping hand with daily activities such as bathing and dressing, meal preparation, housekeeping, and grocery shopping. Here’s an overview of assisted living in Garland, which includes helpful suggestions on what you should look for when visiting a facility along with tips on how to cover the costs of provided services.
The Assisted Living Federation of America (ALFA) has an online brochure that offers a variety of tips and suggestions in their Guide to Choosing an Assisted Living Community. The information will help you make the right choice by guiding you through the process and showing you what to look for when you visit a senior living community. The ALFA guide includes a list of questions you should ask and features you should check out when touring a facility. A few examples of questions to ask include:
Are aging in place and hospice care services available? Do residents have access to ancillary services such as physical therapy? Does the facility have on-site beauty and barber services? Are utilities such as heating and cooling included? Does the facility allow residents to have pets?
The Genworth Cost of Care Survey features prices for long-term care services across the nation and includes major metropolitan areas in each state. Although Garland is not included with the data for Texas, the median annual rates for assisted living facilities in nearby Dallas were $44,400 in 2016 with projected 5-year annual growth rates of 0%. The Dallas figures were slightly higher than the national median rates, which were $43,539 in 2016 with projected 5-year annual growth rates of 3% per year.
Seniors who are on a limited budget may be able to get reduced rates for services at an assisted living facility that offers affordable housing options. Lower rates may be accommodated based on your limited assets, which would result in sliding-scale costs for provided services. If you move into an assisted living facility that offers the option of choosing individual services that are charged separately, you may be able to save money by only selecting those features and amenities that you need.
A variety of federal government programs are available to help seniors cover the costs of assisted living services and care. Section 8 housing offers affordable living options along with Veterans (VA) Aid & Attendance Pension plans. You can use your social security income as well as an employer-funded pension to help pay for services.
Government insured reverse mortgages are yet another option to consider. Known as Home Equity Conversion Mortgages (HECMs), they are federally insured and “backed by the U.S. Department of Housing and Urban Development (HUD),” according to the Federal Trade Commission (FTC). With a reverse mortgage, you can use the assets of your home to help pay for the costs of assisted living.
Find assisted living in Garland near you.