St. Petersburg offers several assisted living options in and outside the city. Those who need daily assistance can get the help they need while staying in one of these establishments. Before you can make the best choice of which place to go, you need to know what to expect regarding costs, services, and what you will get for your money. Here’s a rundown of assisted living services and costs to help you discover how to choose the best option.
Assisted living facilities provide services to those people who struggle to handle tasks alone. These services include:
Helping them with personal grooming tasks, such as bathing, getting dressed, and brushing their teeth and hair.
Reminding them about medications to take and appointments to get to on certain days.
Buying and preparing meals and snacks that are nutritious.
Doing laundry and handling housekeeping duties.
Transportation to and from appointments or into town for errands.
St. Petersburg offers numerous assisted living options in and outside the city.
Some establishments are large in scale, offering more than 100 beds to residents, while others are much smaller, with just six or so beds available to a few seniors at a time.
Florida administrators do not become managers until they have met their licensing requirements.
A Type A facility is for seniors who can handle themselves in emergency situations while Type B facilities got designed for those who need additional assistance with walking and other tasks.
When you are ready to move to an assisted living facility in St. Petersburg, you need to know how much you will have to pay. The middle range is $3,600 per month across the U.S. The city of St. Petersburg, along with the surrounding areas of Clearwater and Tampa, are lower in price. Residents in these towns can expect to spend $3,000 per month on living costs, according to the Genworth Cost of Care Survey. This price equates to just $36,000 per year, which is doable for many seniors.
The costs will rise over the next five years, though, so seniors need to be aware of the expected changes. It may be best to move now and get grandfathered in on your price. If you move later down the road, you may have to start out at the higher prices and pay those amounts for the remainder of your time. The price is expected to rise by two percent each year over a five-year period.
When you research assisted living options, you will find that not all are the same. Some are much pricier yet do not have the same amenities as a lower cost option. Compare your top choices and take tours of each facility to ensure you are getting the most of your money. You should ask the administrators of each building questions to get a feel for what they offer and how much you’ll have to spend for their services.
Be sure to ask:
Is there a continuum of care in place, and if so, does it cost more than other levels of care?
Can I see a copy of the consumer disclosure form? I want to see the fees, services, and policies for your establishment.
Can I see a copy of the residency agreement I’ll be signing when I make the transition?
Do you partner with nonprofits in the area who help handle expenses for residents with a low income?
What are your policies on billing and payment?
Can I use my long-term care insurance here?
Do you accept Medicaid?
Do you have a written refund and transfer policy I can view?
Do I need to have renters’ insurance if I live here?
Does it cost anything to have guests spend the night?
How many meals and snacks get included in the meal plan?
Can my guest dine in the dining hall with me for free, or does it cost extra?
What housekeeping services get included in the monthly fee?
You can save on assisted living costs by living with a roommate. Some locations have single occupancy rooms only, so you will have to find a place that has double occupancy spaces available. You each get a bed, which is ideal. You just have to share the primary living quarters.
If you want to save, you don’t have to move at all. Remain in your home and simply get a caregiver to come out and assist you with tasks each day. They can come for just a few hours a day and help you get bathed, dressed, and fed and settled onto the couch. They can even take you to an appointment if needed. It is a far cheaper alternative to an assisted living facility, if you are still capable of taking care of most things on your own.
Many seniors qualify for Medicaid. This low-income option pays for much of your care for you, with you having little to no expenses to handle on your own. If you are a veteran, you may also qualify for the VA Aid & Attendance pension. You can use the funds from this pension to pay for your assisted living. There are also long-term care insurance options that will cover a portion of the costs. Consider all of these possibilities first before paying any amount towards the bill. You will not be responsible for the full amount.
If you still have a substantial portion left that you cannot afford to pay, look into selling your belongings and your home. You may have wanted to keep your house to give to a relative, but if you need the money now, then you have no other option but to sell. You can use the profits to pay for your care. Start by selling off some of your belongings first, including anything you no longer need and does not have sentimental value.
Find assisted living in Saint Petersburg near you.