When you start considering your long-term care options, you might be overwhelmed with a number of choices available. Assisted living can help with daily chores or medical needs, and there are a few several types. It’s important to know what will work best for you as well as what will fit your budget. This guide will give you a better idea on pricing for assisted living in Jersey City as well as ways to save money and pay for your care.
Assisted living services are for those who need a little extra help with their day to day lives but aren’t in need of skilled nursing. This can pertain to your health or your chores and could include:
Medication and therapy reminders.
Transportation to appointments or errands, and in the case of an emergency.
Personal care tasks like bathing, grooming or getting dressed.
Mobility assistance getting around the house, out of bed, or into wheelchairs.
Meal planning and preparation.
General housekeeping such as vacuuming, dusting, and laundry.
You can get assisted living services at home or in a facility. If you choose your house, a homemaker or home health aid will visit daily to help you out. There are also caregivers that will stay overnight or live with you in your house.
In a facility, you might have an apartment or private room, but there are settings where you share a room with another resident. In addition to regular services, there might be a communal dining hall, a variety of classes such as cooking, art, or fitness, and things like a swimming pool or on-site salon services. A community will also have a continuum of care, so if your health changes while there, your services will adapt to fit your needs.
There are at least 200 assisted living facilities in the state of New Jersey.
The state has a maximum bed capacity of 21,300 and on average serve 83 people.
In New Jersey, you cannot be admitted to or stay at an assisted living facility if you have a specific long-term care need like a ventilator.
No more than two people can share a room in New Jersey assisted living facilities.
87% of facilities offer hospice care, 80% have skilled nursing services, and 94% provide therapy services.
The cost of care can be pricey and in New Jersey, assisted living costs are higher than national averages. The yearly price for an assisted living facility In Jersey City is around $63,660, and the national average is $43,539. Over a five-year period, though, that cost is expected to decrease by 1%.
In-home assisted living costs are a little less expensive but still higher than national expenses. A homemaker would cost around $49,718 per year compared to the national average of $45,760, and a home health aide would cost $50,336 compared to $46,332 nationally. These prices are expected to increase by 1% to 2% over the next five years.
When you look for a facility, you need to do a lot of research, so you choose the right place for your needs and your wallet. Asking questions is a fantastic way to get a better feel for the environment of the facility as well as learn about all the different costs. You don’t want to be surprised by hidden fees or charges. These questions should help get you started.
What is the total cost? What services are covered by that cost?
What are the extra services? Do you have a price list for those?
Do you offer a continuum of care? What does that entail? How will it change my costs?
Where is the written residency agreement?
May I see the service provider’s disclosure? This explains all fees, charges, procedures, and policies.
Will I need renter’s insurance?
What does the standard meal plan offer? Are there additional snacks?
Am I allowed to have outside food brought in?
Do you accept Medicaid?
What public or nonprofit programs can help cover my cost?
Is there a housekeeping service? What chores will they do?
Do you allow pets? Is there a pet deposit? Are there restrictions on size or breed?
Can I have overnight guests?
Are utilities and cable included or extra?
What transportation is available for use? Where does the route go?
Are independent service providers allowed for things like dog walking or grocery delivery?
You can find more questions in the Assisted Living Federation of America’s Guide to Choosing an Assisted Living Community.
There are a few ways you can cut down on how much you spend for assisted living. The first thing you should do is determine whether in-home or facility services is best for your needs and budget. While a facility might cost more, there are times it could be more cost efficient than in-home care. For example, if you still make payments on your house, cover all your bills, and do a lot to maintain your home, it could be less expensive to move to a facility. On the other hand, if your house is paid off and requires minimal maintenance, in-home services could serve you better.
For those seniors that decide on a facility, you could consider getting a roommate. This will cut your costs in half but be aware that not all communities allow roommates. If your facility does, give the whole thing a trial run before you fully commit. If both parties are ok with the arrangement, sign an agreement together.
A few facilities, especially nonprofit ones, can operate on a sliding scale. This option is for seniors with a low income and minimal assets. The facility will look at all your finances and then come up with a rate that fits your budget so you can pay for your care. You can ask your facility if they will do this, but it might not always be available.
Medicaid can help low-income seniors pay for in-home or facility care, and VA benefits can help veterans and their widows pay for assisted living services. If you have long-term care insurance, check your policy because it could include assisted living. Sometimes the policy will only cover room and board, so be sure to double check before you make a final decision.
You can also sell your house if you are a homeowner and use the funds to pay for your care. A reverse mortgage is another option, but you need to meet with a HUD-certified counselor to go over all the consequences of using this kind of loan.
Find assisted living in Jersey City near you.