Whether you’re at a point where you realize you need some additional day-to-day help around the house or have a health condition that needs more consistent medical attention, Louisville has a senior living option that’s right for you. During retirement, many seniors reach a point where they explore their options to find the assistance they need to continue to live a happy and healthy life. Here we summarize some of the most commonly available resources in the Louisville area to help you decide which may be right for you.
Louisville seniors enjoy lower than average costs across the board for senior care options in the area. In a 2015 study by Genworth on the Cost of Care, as a nation, we saw a median cost of semi-private nursing home care come in at $80,300 annually. In Louisville, the cost was $80,118. For private nursing home care per year nationally seniors paid $91,250 and in Louisville, the average annually was $85,958.
Homemaker services, home health aides, and nursing home care were also below the national averages in Louisville. In fact, nationally assisted living care had a median of $43,200 annually while in Louisville, it was $42,990. Additionally, the cost of in-home care versus assisted living care was nearly identical in Louisville and the surrounding Jefferson county area.
The number of senior living options in Louisville is growing. In fact, with 10,000 baby boomers retiring every day, there are providers offering services ranging from basic help around the house with daily tasks up to hands-on nursing care at live-in facilities. Below we discuss some of the more prevalent senior living options in the area.
Living at home in your golden years is very doable through the right combination of in-home care and community services. Homemaker services can assist you in your home with things like cleaning, personal care, cooking, or grooming and are available through local agencies.
Home health services provide in-home medical assistance with things like managing your medications, wound care or nursing help managing a chronic condition like diabetes or cancer.
Adult day programs are designed to be a supervised environment for seniors when caregivers have to leave the home. The Kentucky Department for Aging and Independent Living has links to many resources to help you find a good fit in your area.
Concierge services offer assistance with other needs around the home and are provided through local services. Examples include walking your dog, providing transportation, grocery shopping or running errands around town.
To find the right provider for you, ask family or friends for their thoughts and review online ratings to find highly-rated companies in your area. Interview the companies and ask them these questions.
Do you maintain a license for the services I’m inquiring about (if required in the state of Kentucky)? Are you bonded or insured? Are new employees required to pass a background check and attend training? Is there a plan in case the employee scheduled to come to my home has an emergency to ensure that another employee is available? If you’re speaking to an Adult Day Center, do they provide transportation services?
When it comes to senior living communities, there is a wide spectrum of care options to choose from. Levels of care can range from independent living all the way to high-touch 24-hour skilled nursing care, and everything in between. In Louisville many communities offer a continuum of care, allowing you to grow over time with the same facility if your needs evolve through the years.
Independent living communities are designed for retirees who wish to live independently in their own personal apartment space, but provide things like housekeeping and maintenance as part of the community lifestyle.
Assisted living communities are perfect for seniors who need a little extra help with day to day tasks like transportation or personal grooming, but still wish to live in their own private apartment.
Nursing homes are the right choice for those who have medical needs like short-term or long-term chronic conditions and need access to a higher level of medical care on a regular basis.
Dementia care is the solution for seniors who have memory issues and need more specialized care and supervision. Nursing Home and Assisted Living Selection Criteria Does the facility offer higher levels of care should you need them over time? What are the terms of accessing that care?
Inquire about the monthly fee for the facility or community and all the amenities included in that price.
Determine if there are any extras available, and what they cost.
Ask about having independent concierge services assist you while you live there. At most facilities this isn’t allowed, but for some seniors, it may be important if you need a service, like dog walking, that the facility doesn’t offer.
Monthly social security benefits and retirement savings accounts are the common first step for many seniors wondering how to pay for their care. Additional options could be applying for assistance from Medicaid if you have a low income and limited assets, or applying for the VA Aid & Attendance pension if you’re a wartime veteran or the widow of one. Another opportunity to consider is a reverse mortgage on your home to tap into the equity to fund your care. Be sure to research the tax and other implications of this type of loan before deciding if it’s right for you.
Every Louisville native knows, the annual Kentucky Derby isn’t to be missed. The horse racing spectacle is a tradition in the area and brings on days of fun and festivities every May. The Kentucky State Fair in August is another must-do event, featuring rides, games, performances and more. If you’re interested in getting more involved locally, check out volunteermatch.org for a directory of volunteer openings at local organizations in your area who need help.
If this general guide to senior living and care in the Louisville area made you think of more questions, be sure to check out our other helpful resources on respite care, assisted living, neighborhoods, and veteran support.
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