New York Assisted Living
Everyone knows New York. The city that never sleeps, the lush greenery outside the city limits, and all the history make New York the most well-known state in all of the country. Manhattan is the most famous city on earth, the center of world commerce and culture. New York is home to some of the finest dining and entertainment anywhere in the world. Anyone interested in being in the hub of culture and life comes to New York to experience the richness of the city. There are benefits for seniors in New York, which may add to the appeal. Social security, Medicare, Supplemental Security Income, and the Senior rent increase exemption are all added benefits of being an aging adult in New York. New York’s population is over 8 million, about 15% of which are seniors and retirees, making it a good place to move into an assisted living community. It’s common that as our senior population ages that some people may require care at some point. When most people think senior are and living they immediately think of a nursing home as the only option.
Assisted Living in New York
Most Assisted Living Communities will provide a bedroom, restroom, meals, and assistance with care. Additionally, the size and amenities of each community can vary greatly and affect cost. Residents may experience increased socialization, classes for health and fitness, and quality nutrition plans.
Aside from assisted living, there are a variety of senior living and housing and care options which suit the requirements and desires of seniors.
Senior Living, What are the common terms used?
Continuing Care Retirement Communities (CCRCs) are communities that include a continuum of care from independent living, assisted living, and skilled nursing services all on one campus. This allows individuals to live within the same community as their needs progress through the spectrum of care. They typically offer the full selection of amenities associated with retirement and senior living. An endowment fee in addition to a monthly maintenance fee can be expected.
Independent Living Communities provide residents an independent living setting without the burden of home ownership. Typically, residency is established on a monthly rental basis. Residents live in fully equipped private apartments or cottages from studios to large two-bedroom units that may be rental-assisted or market-rate depending on the community. Amenities and hospitality services such as housekeeping, linen service, transportation and social and recreational activities may be included, provided for an additional charge, or may not be available at all. Independent Living communities do not provide assistance with activities of daily living or personal care.
Assisted Living Communities are State-regulated rental properties where 10 or more residents may reside (however this # may vary a bit between states). Care assistance is available, including: medication management, bathing, dressing, toileting and eating. Apartments must be fully self contained private living units with a lockable door, private bathroom, and kitchenette facilities. The fee schedule is regular monthly rent along with additional fees for specific services and amenities. Assisted living communities are best suited for individuals who want to remain as independent as possible and who are able to direct their own care.
Memory Care or Dementia Communities offer or provide care for residents with Alzheimer’s disease or other dementia in a home like environment. These senior living communities, must receive an endorsement and is governed by additional regulations that are specifically intended to support individuals with dementia, including: a secure building that alerts staff if a resident has exited, a secure outdoor area that provides outdoor freedom safely, interior finishes that are non-glare and well lit, and visual contrasts between floors, walls and doorways. Alzheimer’s units must also have programs, which include: gross motor, self care, social, craft, sensory enhancement and outdoor activities.
Adult Care Home or Family Care Home are private residences that provides a home-like setting, and serves 5 or less residents. The caregiver may perform several functions, such as personal care, housekeeping and activities and group meals. There are three levels of Adult Foster Care Home licenses. The classification system is based on level of care the Adult Foster Home may provide to residents who live in the home as well as the experience and training of the providers and their ability to assist residents with: personal hygiene, mobility, eating, dressing, toileting, and behavior management. Residents may require very light assistance or may be dependent with several care needs; it is best to ask individual locations for their specific policies and license.
Skilled Nursing Facility (SNF) – these are sometimes referred to as a Nursing Home is a State-licensed facility that provides a safe, therapeutic environment for individuals who require rehabilitative care. Skilled Nursing Facilities offer 24 hour skilled nursing care and medical services by licensed nurses and support professionals. This is the highest level of care that can be provided that is not a hospitalization. Additionally, nursing facilities offer residents planned social, recreational and spiritual activities. (The term Nursing Home is considered a bit outdated.) This is a higher level of care for senior living, compared to that of assisted living or independent living.
Rehabilitation & Therapy is treatment for an injury, illness, or pain with the goal of restoring function, including nursing and therapy services. Rehab is ordered by a physician and services are provided by nurses and physical, occupational, and speech therapists. Examples include working with a physical therapist to help you walk and with an occupational therapist to help you get dressed.
Intermediate Care Facilities (ICF) are nursing facilities that are most appropriate for people who need 24 hour medical oversight in a structured setting. Most residents must share their room, but residents are allowed to bring personal items to encourage a more home-like atmosphere.
More about Assisted Living
These communities may go by several names. The most common universal term is assisted living. Some other common terms include: care home, residential care, convalescent home, rest home, or retirement home. The lay person sometimes groups all senior housing into the term of “nursing home.”
Assisted living communities are NOT nursing homes.
In The state of New York, sometimes these communities and facilities may be referred to as Adult Homes.
How much does assisted living cost in New York?
The average monthly cost of assisted living in New York is $4,200. This is more than the national average ($4,000), but not by much. Typically, the east coast is more expensive than the national median, and almost everywhere else in the country.
- The national average of assisted living per month: $4,000
- New York: $4,200
- New Jersey: $6,100
- Massachusetts: $5,500
- New Hampshire: $4,700
- Connecticut: $4,700
Like most states across the country, the cost of assisted living will vary within the state.
- New York average cost for assisted living per month: $4,200
- New York City: $6,000
- Albany: $5,100
- Ithaca: $5,000
- Syracuse: $4,200
- Rochester: $4,400
Hw to pay for assisted living in New York
It is important to take your time when exploring payment and coverage options.
Medicare – NO:
- Medicare does NOT pay for Assisted Living.
- People 65 years and older and individuals with end stage renal disease are eligible for Medicare benefits, no matter their income.
- Coverage is meant for people in need of short-term care.
Private pay – YES:
- Many families pay for assisted living with private funds.
- Private pay can be a combination of retirement funds, personal savings, and pension payments.
- Family members may contribute funds to pay for assisted living or other senior housing and care.
Medicaid – MAYBE:
- Medicaid provides health coverage to millions of Americans. Eligible participants include: low-income adults, elderly adults and people with disabilities.
- Medicaid is administered by state, according to federal requirements. The program is funded jointly by each state and the federal government.
- Every state has their own individual Medicaid assistance program.
- National guidelines are in place do decipher how states must spend Medicaid money, but with allowances toward the guidelines.
- The state determines what levels of care will be covered by Medicaid, who is eligible, and how much the state will reimburse the care community.
- If you are unsure whether you qualify for Medicaid, you should apply. You may be eligible depending on your household income, family size, age, disability and other factors.
Long-term Care Insurance – MAYBE:
Long term care insurance is a great way to pay for assisted living, and planning ahead is important when considering how to pay for senior housing and care. Nearly 75% of people over the age of 65 will require long-term care and services at some point. Buying into long-term care insurance when a person is in their 50s and 60s is the most common time to do so.
- Long-term care insurance helps cover the costs of chronic medical conditions.
- Individuals and couples with the ability to pay into long-term care insurance have the advantage of a head start in allocating funds for senior care.
Veteran Aid and Assistance – MAYBE:
This benefit is available to some military veterans and surviving spouses who live in an assisted living community and those who have in-home care.
- There are specific guidelines, but a veteran may qualify for as much as $2,050 each month.
- A veteran with a sick spouse may be eligible for $1,600 per month.
- If a veteran has passed, their surviving spouse can qualify for $1,300 per month.
Laws and regulations for assisted living in New York
In New York, these communities and facilities are licensed to provide personal care services such as light housekeeping and serve meals to residents. ALFs in New York can house 5-200 residents. There are three types of assisted living specific to the care of residents without cognitive impairments or ongoing medical issues requiring 24/7 care.
- Assisted living residences (ALR).
- Enriched assisted living residences (EALR).
- Assisted living program (ALP).
Care and services
Assisted living residences in New York do not provide 24-hour skilled nursing and cannot care for people who have serious medical needs. They do however offer assistance with activities of daily living.
- Three meals a day and snacks
- Assistance with grooming, general hygiene, bathing
- Mobility assistance
In New York, residents of assisted living facilities may have their own room or can share a room if deemed appropriate by the facility management. There must be a toilet and sink for each resident, and a bathtub or shower for every ten residents. It is also required there is plenty of adequate space for activities, relaxing, watching TV, etc.
There must always be staff available at all times residents are on premises. Facilities must hire an administrator and case manager to oversee resident needs, personal care staff and an activities director.
Each resident must receive 3-1/4 hours of personal service time with a staff member each week.
The definition of elder abuse in New York State is: any physical, emotional, sexual, financial, neglectful crime against a person who is 60 years or older. To report abuse, contact the local Area Agency of Aging.
Questions to Ask
Finding an assisted living community, can be overwhelming. Here are some tips on things to be observant of:
Resources and links related to Senior Living and Care
Eldercare Locator is a nationwide service that connects older Americans and their caregivers with trustworthy local support resources. Connect with services such as meals, home care or transportation, or a caregiver education or respite from caregiving responsibilities. The Eldercare Locator is a public service of the Administration on Aging (AoA), an agency of the U.S. Administration for Community Living.
Medicare provides a search feature to find & compare providers near you, most senior housing and care providers are included on CareAvailability.com. Find & compare plans in your area. Determine if you qualify for premium savings
Medicaid offers information on how to apply for Medicaid, eligibility criteria, links to local state offices, and additional resources.
The Alzheimer’s Association is the leading voluntary health organization in Alzheimer’s care, support and research. Whether you are living with Alzheimer’s or caring for someone with the disease, information and resources are available.
New York Connects provides a database of assisted living communities
This a detailed list of the available benefits for seniors in New York State
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