Surprise, Arizona has a variety of senior living communities that offer assisted living services. Lifestyle options are available for those that are still independent but may need a helping hand getting help with daily living activities. Examples of assisted living services include help with bathing and dressing, grocery shopping and meal preparation, housekeeping and laundry, and medication reminders. Here’s an overview of assisted living in Surprise, which includes suggestions on how to budget for and cover the costs of provided services along with a checklist of questions to ask when visiting a facility.
Before you visit an assisted living facility, create a handy checklist of items to cover and questions to ask during your tour. The Guide to Choosing an Assisted Living Community, which is published by the Assisted Living Federation of America (ALFA), covers all the essentials of what you should look for when visiting a senior community. Samples of questions you should ask include:
Does the facility allow residents to have pets?
What types of social programs are provided?
Are heating and cooling costs included?
Is continuum of care and hospice care available?
Does the facility accept Medicaid for payment?
The average median rates for long-term care services across the nation are published in the Genworth Cost of Care Survey, which includes major metropolitan areas within each state. Although Surprise is not included in the figures posted for Arizona, the costs for nearby Phoenix are featured in the listings, which had annual median rates of $41,640 for one year of services at an assisted living facility. In contrast, the overall national median annual rates during 2016 were $43,539 with 5-year projected annual growth rates of 2%.
Most assisted living facilities offer residents the option of choosing which features and amenities they want. By selecting only those services that you need and doing without the extras that cost more money, you will be able to save on costs. Many senior living communities have a variety of floor plans that include two-bedroom apartments. If you have a close friend or relative that lives alone, you may want to consider having a roommate to share the costs. You would benefit from the companionship provided by having a roommate while also cutting your expenses in half.
Low-income seniors that have limited assets may want to explore the option of using federally funded programs to help cover the costs of assisted living. Options include affordable housing, which is also known as Section 8 senior housing. Individuals that are accepted for affordable housing will pay rates based on a sliding scale that are determined based on a combination of their income and all assets.
Additional programs that can help pay for assisted living include Medicaid and Veterans (VA) Aid & Attendance Pension plans. You may want to consider selling your home and using the funds for assisted living. Reverse mortgages are yet another option that can cover the costs. The Federal Trade Commission (FTC) offers more information about reverse mortgages on their website. Check out Home Equity Conversion Mortgages (HECMs), which are “backed by the U.S. Department of Housing and Urban Development (HUD).”
Find assisted living in Surprise near you.