California’s Department of Aging estimates a large increase in the next five years of seniors age 85 and older. Riverside is preparing for this increase in assisted living facilities and with in-home care for assisted living daily tasks.
Activities of daily living (ADL) include meal preparation, bathing, dressing, laundry, and light chores. An assisted living facility provides these services as well as additional services like dining, transportation, indoor and outdoor activities, and rehabilitative therapy, depending on the facility. You can find a facility that matches your personality and lifestyle. Some communities appear as hotels or in sky-rise apartment buildings. Others resemble townhouses.
Assisted living apartments are usually available in studio, one, and two bedroom apartments with shared common rooms. Many services are included in the cost, but you may have to pay an extra fee if the facility allows small pets or has an on-site beauty salon or barber shop.
Some communities offer continuum care. This specialized care adapts to fit your changing health care needs. You can move smoothly from independent living to intensive 24-hour care within the same community.
Riverside County is expecting an increase between 200 and 299 percent of seniors age 85 and older by the year 2020 (since 1990).
California’s senior population is expected to grow twice as fast as the total population, according to the Department of Aging.
Those seniors eligible for Medi-Cal can use an assisted living waiver to pay for care in Riverside.
A Pew survey reported in 2014 that out of 1,700 seniors, 17 percent would move into an assisted living facility if they could no longer live alone.
Cost is always a concern for seniors and their families. According to the Genworth 2015 Cost of Care Survey for California, Riverside facilities, and those found in the surrounding areas like San Bernardino and Ontario, are less than the national and state median rates. In Riverside, a one bedroom, single occupancy apartment averages $3,085 per month. The national average is $3,600 for the same apartment. The state average is even higher at $3,750. These costs are expected to rise as much as one percent by the year 2020.
Costs vary locally between communities, however many charge a monthly rate. Check with several facilities in your area to make sure they offer the services you need and whether these services are included in the monthly rate or cost extra. Utilities and maintenance costs, both indoor and outdoor, are usually included in the rate. Facilities like Raincross in Riverside also offer respite care, off-site activities, available dentist and podiatrist, and physical, occupational, and speech therapy.
If you decide to hire full-time in-home care, the average annual cost in 2015 in Riverside was $48,620 and is expected to increase by two percent in the next five years.
There are resources and programs available to save and help pay for assisted living care. Before committing to one facility, research and compare communities using an online directory. Tour each facility you are interested in and speak with the senior advisor or manager as well as staff to learn about local programs. Speak with other residents and their families to learn about the type of care provided.
In some areas, you may be able to split the cost with a roommate or spouse, especially if you and your spouse will no longer be living at home.
Medi-Cal, California’s Medicaid Program, offers low income seniors assisted living waivers to pay for care through a facility or for in-home ADL care. The waiver is available through the Home and Community-Based Services. Eligibility is based on income guidelines and medical need. Contact your local Riverside County Medicaid office to see if you or your loved one qualify.
Long-term care policies cover assisted living. Life insurance policies can also be used to pay for care, however read the stipulations carefully. When cashing in a policy early, you may only receive a percentage of the face value.
Veterans can also learn more about assisted living care paid for through the VA Aid and Attendance pension. Wartime vets should contact the Veterans Administration to see if they qualify.
You can use your home as equity to pay for assisted living. If you choose not to sell your home, consider renting it out and using the monthly payment to cover the cost of assisted living. Spouses can take out a reverse mortgage to pay for care, however consult with an elder-law attorney before completing paperwork to avoid foreclosure.
Find assisted living in Riverside near you.