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The Information You Need

Financial Resources

How To Choose The Right Senior Living Community

We understand there are sometimes financial challenges associated with securing appropriate senior living and care. That’s why at Civitas Senior Living we will happily work with you to find the funding resources you need to make the peace of mind you seek possible. Although we understand that cost is always a factor in the decision-making process, our top priority is to ensure your loved one thrives in a warm, loving community.

Passionate service. Passionate cleanliness. Passionate care.

Civitas Senior Living | Senior couple meeting financial adviser for investment

What's included in the cost of senior care?

The Value of Senior Living

As we age, choosing a living situation that fits our needs becomes increasingly important. For many seniors, that means moving into a senior living community. While the thought of change can be daunting, there are countless benefits to be gained by making the switch.

Civitas Senior Living | Two senior women looking at laptop

Creative Ways to Pay for Assisted Living

Seniors have a few different options when it comes to living arrangements, but Assisted Living is often the best choice. Assisted Living facilities provide seniors with the help they need with activities of daily living while also giving them the independence they crave.

Civitas Senior Living | Senior woman with a cain sitting on a couch talking with her caregiver and smiling

Does medicare cover memory care?

For seniors and their adult children, one of the most common questions is, “Does Medicare cover Memory Care?” The answer is yes and no. Medicare does not directly cover Memory Care, but it will help pay for some of its costs.

Civitas Senior Living | Happy senior couple talking to a professional about senior living

How Much Is Senior Living Near Me?

According to the 2021 Genworth Cost of Care survey, the average cost of senior living in the United States is $4,500 per month for an Assisted Living facility. This figure will vary depending on the type of care you need and where you live.

Civitas Senior Living | Assisted living senior outdoors

The Conversation: When Is It Time for Assisted Living?

You probably don’t want to think about the day when you have to put your mom or dad in a nursing home. The good news is that long-term care is available in Assisted Living and Memory Care facilities.

Civitas Senior Living | Senior woman hugging her son in a room surrounded by boxes

Downsizing Help for Seniors

If you’re in the process of helping your parents downsize and move into an Assisted Living facility, you’re probably feeling a bit overwhelmed. This time can create a lot of emotional and physical strain.

Civitas Senior Living | Seniors asking questions of volunteer

43 Questions to Ask Assisted Living

It is human nature to think of something good to say or ask following an interaction. Touring an Assisted Living community is not one of the times you want to have that feeling.

Funding Options

Long-Term Care Insurance

With the many types of policies available, it is important to have a full understanding of each resident’s needs and the coverage amounts available. Our management staff is equipped and ready to assist in detailing and documenting the personal care needs of our residents for this purpose.

Life Settlements

There are many ways to achieve financial funding, one of which is the life settlement. This involves a financial transaction where the owner of a life insurance policy sells the policy to a third party for more than its cash value but less than its face value. This process usually takes 30-60 days to complete, and we are happy to help in any way we can.

Civitas Senior Living | Seniors laughing and holding each other

Veterans' Benefits

Wartime veterans and their surviving spouses may be entitled to a special monthly pension benefit called Aid and Attendance. If obtained, this benefit can be applied to the costs associated with senior living. To qualify, claimants must be incapable of independent living and either need to have served in the armed forces for a minimum of 90 days including one day of active duty during wartime or be the surviving spouse of such a person.

Learn From the Most Common Financial Questions

For more answers to general questions about senior living, take a look at our Ask Us Anything page.

The cost of senior living can vary depending on the type of facility and the location. Independent living communities are often the most affordable option. Assisted living and memory care are living options with increasing costs. Nursing homes and full-time home care are generally the most expensive.

The level of care required affects cost. Around-the-clock care is the most expensive, and basic services are the least costly.

We understand financial challenges sometimes are associated with securing appropriate senior living and care. That’s why at Civitas Senior Living, we will happily work with you to find the funding resources you need to make the peace of mind you seek possible. Although we understand that a monthly fee is always a factor in the decision-making process, our top priority is to ensure your loved one thrives in a warm, loving community.

Several ways to pay for senior living include:

  • Private pay
  • Government assistance
  • Long-term care insurance

Private pay is paying for services out of pocket and is often the most expensive option.

Government assistance programs like VA benefits can help to cover some of the costs associated with senior living, but eligibility requirements vary from state to state.

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Many people are surprised to learn just how expensive assisted living can be. After all, most seniors live on a fixed income, and the costs of caring and living are rising faster than their Social Security benefits. So why is assisted living so expensive?

The monthly costs of assisted living can seem high, but it’s important to remember that this type of senior living arrangement includes a wide range of built-in services and amenities. Use our assisted living budget spreadsheet to compare the cost with that of living at home.

First, many communities offer all-inclusive services that improve an older adult’s quality of life. These services may include meals, transportation, housekeeping, and activities. Senior living is about removing life’s hassles.

In addition, most assisted living communities also provide 24-hour security and medical care, which make life much easier. It is important to remember that senior living is not simply a roof over your head; it’s also about peace of mind. Many seniors prefer having access to quality care and assistance when needed.

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Medicare does not cover long-term care or custodial care, which includes help with activities of daily living such as bathing, dressing, and using the restroom. Medicare will cover some related services and supplies that can benefit people with Alzheimer’s or other dementias.

While Medicare does not explicitly cover memory care or assisted living expenses, the insurance program can help offset senior living costs. For example, if a doctor prescribes a service in the community as medically necessary, Medicare Part A may offer reimbursement.

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As people age, they often face the challenge of deciding when to move to senior living. For many, the decision is difficult. It can be hard to know when the time is right. If you’re facing this decision with a parent, there are a few tips that may help you to make the best choice.

Have an honest conversation about your parent’s current living situation. Discuss their health, ability to care for themselves, and overall happiness. If you’re seeing signs that they are struggling to live independently, it may be time to consider senior living. Even if their health is good, extra socialization can be beneficial.

Talk to your parent about their feelings about moving. Let them be comfortable with the idea and feel like they can maintain independence. If they resist the idea, try to ease their concerns by sharing your experiences with assisted living or talking to other residents who are happy with their decision to move.
Moving to assisted living doesn’t have to be complicated; with careful planning and consideration, you can ensure that your parent will be happy and healthy in their new home.

Read More Tips for Moving Parents Into Assisted Living

Discover Senior Living Near You

Contact Civitas Senior Living if you or a loved one can benefit from independent living, assisted living, memory care, or a personal care home. We have senior living experts across the country who can listen to your needs and be a resource in your journey to finding high-quality senior care.

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