Do you sometimes find yourself struggling with daily living activities such as cooking and cleaning? Many Portland seniors need a hand around the house from time to time, or assistance with other day-to-day tasks. Assisted living allows mature individuals to maintain their independence while taking comfort in the fact that help is there when they need it. Assisted living communities provide seniors with services such as:
Custodial care, including help with bathing, grooming, and more Convenient reminders about medication schedules and doctor’s appointments Transportation services for those who can’t drive Preparing meals and snacks throughout the day Cleaning and housekeeping
The switch to assisted living doesn’t mean that you have to give up your home and move into a specialized community. Although Portland is home to dozens of world class assisted living facilities, senior residents can also find in-home help in the form of housekeeping services and home health aides.
In 2010, Oregon was home to over 200 assisted living facilities that could house over 14,000 residents.
There were 236 smaller residential care facilities that served almost 9,000 Oregon seniors.
Between 2010 and 2022, the number of Oregon residents over 85 is expected to jump from 80,959 to 121,742, which will drive up the demand for assisted living in Portland.
In a 2013 AARP survey, 58% of Oregon seniors said that they would prefer to receive long-term care in an assisted living facility.
Portland’s rich culture and natural beauty have made the city a popular retirement destination among the senior population. As a result, assisted living costs tend to be high for Portland residents. While the national median annual cost of assisted living was $43,200 in 2015, seniors in Portland paid a median price of $46,740 per year. In-home assistance was also expensive, costing a median of $53,196 in Portland while the national median for a home health aide was just $45,760.
Luckily, the price of assisted living in Portland is not expected to rise much. The cost of living in a full-time facility is only expected to increase by 1% over the next 5 years. The cost of home health services, however, is expected to rise by at least 4%.
No two assisted living communities are alike, and the services covered by one facility’s monthly fee may not be covered by another’s. As a prospective resident, it’s important for you to know what you will have to pay for out-of-pocket. When you’re looking into local assisted living options, it’s important to ask:
What services are included in the monthly fee? Does the facility offer tiered pricing for a continuum of care? Does the facility accept long-term care insurance or Medicaid? Is renter’s insurance required? Will you be charged for visitors? Is there an additional fee for transportation services? For pet-friendly facilities, is there a pet deposit or monthly fee?
In-home care tends to be expensive in Portland, so for many, it makes the most financial sense to move into an assisted living facility. There are dozens of facilities that fall into every price range. Many assisted living facilities offer residents the option to save on rent each month by living with a roommate. If you are a senior with a limited income, you may want to look into facilities that offer affordable housing and sliding-scale rates.
Some seniors sell their house to help pay for assisted living care, but many are not yet ready to give up their home. Seniors that opt to receive in-home care may find that they have trouble covering the high cost of homemaker or home health aide services in Portland. If you are having trouble paying for in-home assistance, you may want to consider taking out a reverse mortgage on your house. This allows you to keep living in your home without having to worry about monthly mortgage payments and also provides some extra cash on the side to help pay for care. Make sure that you understand how your legal and financial situation will be affected by taking out a reverse mortgage.
Whether you’re living at home or in an assisted living facility, you may be eligible to have the costs of assisted care covered by government financial aid programs. Oregon Medicaid helps low-income seniors access affordable care, while the VA Aid & Attendance pension helps veterans and their wives pay for assisted living expenses. Seniors with long-term care insurance should check to see what their policy covers when it comes to assisted living.
Find assisted living in Portland near you.