Assisted living services are ideal for retired seniors that need a little extra help around the house or with their health. Toledo is home to quite a few options when it comes to assisted living, and you can find almost anything you need. However, you should know everything you can about cost and ways to pay for your care before you make your final decision. This guide can teach you more about assisted living in Toledo and help you find the best care for your needs and your wallet.
For seniors that don’t need skilled nursing services, assisted living services could be beneficial. They could also be less expensive than nursing home care. Some of these services include things like:
Transportation to errands, appointments, or in the case of an emergency.
Personal care tasks like daily grooming, getting dressed, or bathing.
Help to get in or out of bed and wheelchair transfers.
Assistance with meal planning and cooking.
Housekeeping services such as dusting, mopping, vacuuming, laundry, and organization.
You get to decide where you would like assisted living services. In-home care includes regular visits from homemakers or home health aides to make sure your house and health are in order. You could also have a live-in caregiver or help from a community senior living group.
Assisted living facilities are also an option and sometimes come with an apartment or home but also could be a shared room with another resident. In addition to services like fitness classes, community center, and other amenities, many facilities offer a continuum of care that allows residents to age in place with services that meet their health needs as they change.
Ohio defines assisted living facilities as residential care communities that house 17 or more residents. They provide supervision and personal supportive care.
There are 600 assisted living facilities in Ohio and can serve up to 42,800 residents.
The average number of people served in a facility is around 57.
Any person that wants to stay in an assisted living community must undergo an initial assessment process. There will be follow-up assessments to keep up with the needs of the residents.
14% of residents rely on Medicaid, and 53% of the facilities in Ohio are Medicaid-certified.
For all Toledo assisted living services, the average price is lower than national expenses. The yearly price of an assisted living facility here is $43,200 which is just under the $43,539 national average. The Genworth Cost of Care Survey does estimate this cost will increase by 2% over a five-year period.
In-home costs are a little more expensive than a facility in Toledo, but still under the national median cost. A Toledo homemaker costs $44,616 while the national average is $45,760 and a home health aide costs $45,760 with national costs at $46,332. Both costs could increase 2% as well in the next five years.
When you start looking for an assisted living facility, you’ll probably have a lot of questions which is good. You need to make sure to ask the right ones so you can learn about all the costs involved and find the facility that meets your needs.
Here is a list of questions to get you started:
Does this facility have a continuum of care? How will my needs be assessed as they change? How will this affect my total cost?
What is the total cost? What services does this cost include?
Are there additional services? What are those costs?
Is renter’s insurance required?
Can I see the residency agreement?
Do you have a service provider’s disclosure?
What is the refund and transfer policy? May I see a written copy?
What is on the meal plan? Are there snacks? May I supplement the meal plan?
Am I allowed to have overnight guests?
Are pets allowed? Is there a pet deposit? Restrictions on breed or weight?
What are the move-in and move-out procedures?
Can I use an independent services provider for non-health related needs?
What is the transportation system? What stops does it make?
Are housekeeping services included in the total fee? What chores do they complete?
Do you accept Medicaid?
These questions are from the Assisted Living Federation of America’s Guide to Choosing an Assisted Living Community.
The price for assisted living might come as a shock but don’t get too worried just yet. You can save some money on your care. The first way to do that is to pick the best option for your situation. For example, if your home is already paid for and you can get around easily, and it doesn’t require a lot of upkeep, in-home care could be an excellent option. On the other hand, if you’re still making payments, have a challenging time getting around your house or have a costly maintenance schedule, a facility could be a wise choice.
After you weigh your options, if you decide a facility is the best choice, you could also consider getting a roommate. Not every community will allow this, but if they do it’s an effective way to cut your costs in half. If you do want a roommate, give it a trial run before you make your final decision. If both parties are on the same page with the situation, sign an agreement.
Another money-saving option could be using a facility that will operate on a sliding scale rate. Not all facilities will offer this, and if they do, it’s usually for seniors that have a low income and few assets. The process first begins with assessing your finances followed by giving you a rate that you can handle on your budget. Don’t hesitate to ask even if they don’t initially offer this option.
Medicaid will cover most of the costs for in-home services and facility costs if they are Medicaid approved. Veterans can use their VA benefits to cover costs and if you have long-term care insurance, check the policy. Most policies have coverage for services, but might only pay for room and board and no extra services.
You could also consider selling your house to use the money for care, but if that isn’t an option, a reverse mortgage might work. You should meet with an HUD-certified advisor before you go through with this loan first because there are tax ramifications that could occur.
Find assisted living in Toledo near you.