Are you ready for assisted living – things you should know  
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Are you ready for assisted living – things you should know  

Whether you are a current senior citizen on the verge of retirement and/or somebody looking for a way to relive your college glory days, deciding on whether you should go to a nursing home or an assisted living facility upon retirement would be one of the most important decisions that you would make in your entire life.

Differences between An Assisted Living Facility and a Nursing Home

So what is an assisted living facility you ask? Typically, an apartment-style living facility, assisted living facilities are facilities where those who are either at the age of retirement and/or have a disability that prevents them from interacting with society (within reason) need a place to stay. Rather than keeping a close eye on other people 24/7 to ensure that they are sticking to a strict schedule as is the case with nursing homes, people who live in an assisted living facility have the option to choose what kinds of services that they would want to be included during their time at the facility, depending on availability. For those who want to have a little more flexibility in their schedules, living in an assisted living facility may seem like a good option. The only problem is trying to figure out how to pay for the costs.

Paying for Assisted Living Facilities

Because assisted living facilities are usually not paid by the government, depending on where the facility is located and what services are available to those wanting to live in such places, assisted living facilities can be very costly. Fortunately, gathering donations from friends and family members and using your own pocket money, there are other ways to pay for these facilities.

For instance, one of those ways is through using Medicaid. Unlike Medicare, Medigap, and Managed Care, Medicaid is used to help low-income families and individuals pay for medical and long-term custodial service. Because it is a government funded program, it is usually a trusted service. Just be sure to check with the facility where you want to live in beforehand.

The other way is to apply for veteran’s benefits programs, which, as the name suggests, are programs where U.S. veterans can apply for benefits for assisted living facilities. Depending on what the requirements for the benefits are, as well as which facility the person wants to live in, most of the time, veteran’s benefits programs are usually not recommended. So before applying, please check to make sure that the programs are well certified and well-reviewed.

Finally, there are life insurance plans, as well as third-party settlement companies that you can use to help pay for your time at the facility. Just be sure to check with both the facility and your plans to see whether or not your plans are feasible. Also, be sure to read the fine print as some of these facilities may charge hidden fees.


Regardless as to whether or not you want to live in an assisted living facility, being smart about your options is always the best way to go. Take look at the options Life Cycle transitions offers to help find the best-suited accommodations for your personal situation! Call now and reach out to one of our representatives and discuss a future plan.

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