Rhode Island Independent Living
Rhode Island has some of the most beautiful beaches in all the country. No matter where you live you are no more than an hour away from the majestic coast. There are plenty of outdoor activities to enjoy year round, because of the wintry seasons and the warm and pleasant summers. There are regulations in place to keep Rhode Island one of the greenest and cleanest places in the United States. It’s a wonderful environment to live as a senior citizen or to move to when the time has come for retirement. As seniors get older it is common that some may require care at some point. Most of the time, when people think of senior care the first thing they envision is a nursing home. This couldn’t be further from the truth: There are many different types and levels of care and housing for our population of people 65 and older. Independent living communities are certainly not nursing homes. Independent living in Rhode Island allows aging adults the leisure of maintaining the independence they’re accustomed to without the burden of home ownership. Communities may offer amenities such as housekeeping, linen services, transportation and social and recreational activities, included for an additional charge. Independent living communities are not nursing homes, or other much higher levels of care.
There are several cities of note in Rhode Island where our loved ones can receive quality healthcare: Providence, Newport, Warwick, Cranston, Westerly, Bristol, among many others.
- Rhode Island Independent Living
- Who are the ideal residents for independent living communities?
- What makes independent living communities in Rhode Island different from other types of senior living?
- Independent living communities may offer desirable services for residents
- Housing options in independent living in Rhode Island
- More benefits of independent living
- Laws and regulations in Rhode Island
- How much does independent living in Rhode Island cost?
- Paying for Independent Living, what resources are available to help?
- Questions to ask when looking for Independent Living
- Resources and links related to Senior Living and Care
- Search other areas for Independent Living
Independent Living Communities are all different. Some have traditional offerings and there are some communities that present new ideas and strategies to enhance the comfort of residents.
Who are the ideal residents for independent living communities?
The typical people interested in Independent Living require little to no assistance in daily life. They most likely want to preserve their social interactions with others, and they like the peace of mind that comes with no yard maintenance and housekeeping.
To promote safety, most communities offer 24-hour security or a call system to reach staff or a manager. Management and staff are there to promote a safe and secure environment because the well-being of residents is priority number one.
What makes independent living communities in Rhode Island different from other types of senior living?
Independent living communities accommodate residents with fully equipped private apartments or cottages, and because residents live on their own terms, independent living communities do not assist with activities of daily living, such as dressing, bathing, and medication reminders, like you may receive in a nursing home.
However, they may offer amenities such as housekeeping, linen services, transportation and social and recreational activities, included for an additional charge. Independent living may also be called Retirement living or Senior living.
Independent living communities may offer desirable services for residents
The available services and amenities vary between different communities, or even between buildings on the same campus.
Services you may find in independent living
Meal Plans– This could be a community kitchen to prepare your own meals, flexible spending accounts, up to three meals each day. Some newer communities may even offer a restaurant, open to the public.
Housekeeping– May be offered as an additional fee or included in the base rent.
Transportation– May be an option, including regular scheduled trips to the grocery or nearby stores.
Linen service – Services may be offered for an additional fee or included in the base rent.
Activities– Some events may be run by residents with no staff involvement. Or a community may have a staff member plan, schedule and lead activities.
Amenities you may find in independent living
Amenities at an Independent Living Community can vary greatly. Typically the more available amenities, the higher the monthly rate. Most Independent Living communities offer excellent ways for people to stay social and build relationships with their peers in common areas or at a clubhouse on-site. Planned life enrichment opportunities could be: entertainment and performers, arts and crafts, game nights, movie nights, cocktail hour, bus trips and other outings.
- Recreational center or a clubhouse on-site.
- The type and variety of meals provided.
- Swimming pools, steam room or sauna.
- Sports facilities where residents can play bocce ball, racketball and tennis.
- Trails for walking.
- Covered parking.
- Theater, library or billiards room.
- Golf course.
- On-site spa.
- Beauty Salon & Barber.
Learning about what amenities are offered and comparing them to the desires of your loved one will go a long way toward finding the perfect fit.
Housing options in independent living in Rhode Island
In addition to reducing household responsibilities, independent living communities offer great living options for residents such as:
- Studio apartments
- One-bedroom apartments
- Spacious two-bedroom apartments
- And other stand-alone structures
To promote safety, many communities offer on site staff or a call system to reach staff or a manager. Management and staff are there to promote a safe and secure environment because the well-being of residents is priority number one.
More benefits of independent living
- Common areas that allow people to socialize as they wish. Their time is their time.
- Organized events which give residents the opportunity to engage in social activities on premises and or in a nearby town.
- Dining rooms with plenty of meal options. Because of the needs and desires of each individual resident, most independent living communities have great choices for everyone.
- Friends and family can visit anytime.
- Residents have autonomy to make their own decisions as far as coming and going.
- Independent living communities may offer amenities such as libraries and computer rooms; fitness centers and exercise classes.
- Some communities allow cats and small and medium sized dogs.
- Some communities may have a contracted agency on site to provide scheduled assistance for activities of daily living (ADLs) if needed.
These communities are NOT a nursing home
Because residents in an Independent Living community are healthy and live independently, most do not offer medical or nursing care. However, some communities may have a contracted agency on site to provide scheduled assistance for Activities of daily living if needed. These home care agencies would provide services for an additional cost. Residents have the option of how to approach their medical care as needed and they may choose to bring on in-home nursing or care as they so choose.
Laws and regulations in Rhode Island
Independent Living communities are NOT typically licensed by the state. Some Assisted Living Communities may offer an “Independent Level of Care.” These residents may pay a lower fee because you are not requiring direct care. In this instance, the community would be licensed by the The Rhode Island Center for Health Facility Regulations, and you could add care as needed for the on site staff. This however, is not the typical model of Independent Living.
How much does independent living in Rhode Island cost?
In Rhode Island, residents spend $4,400 for assisted living per month on average. The national average is a little under $3,000 per month. Rhode Island independent living is the most expensive in the northeaster region of the United States.
- Rhode Island: $4,400
- Massachusetts: $4,200
- New Hampshire: $3,950
- Connecticut: $3,300
Because Rhode Island is so small, it is difficult to compare costs within the state, but we can take a look at the cost of independent living communities nearby in comparison to Providence:
- Providence: $4,000
- Boston, MA: $4,440
- Hartford, CT: $3,400
Living independently usually requires much less, if any, hands on medical care, which reduces costs. On average independent is typically less expensive than other forms of senior living. Nationally, it is estimated that independent living cost 30-50% less per month than assisted living.
Paying for Independent Living, what resources are available to help?
Private Funds- YES: Most families pay for independent living with private funds. Private pay can be a combination of retirement funds, personal savings, and pension payments. Family members may also contribute funds toward a loved one’s care.
Tax Credit, section 202, HUD housing -MAYBE:
- Occupancy in Section 202 housing is open to any very low-income household comprised of at least one person who is at least 62 years old at the time of initial occupancy.
- The Section 202 program helps expand the supply of affordable housing with supportive services for the elderly. It provides very low-income elderly with options that allow them to live independently but in an environment that provides support activities such as cleaning, cooking, transportation, etc. The program is similar to Supportive Housing for Persons with Disabilities (Section 811).
Veterans Aid & Attendance -MAYBE:
- Veteran aid and attendance allow veterans to receive financial benefits.
- A single veteran may qualify for as much as $2,050 a month in benefits.
- A veteran with a spouse may qualify for as much as $2,430 per month.
- A well veteran with an ill spouse may qualify for as much as $1,600 per month.
- A surviving spouse may qualify for $1,300 a month.
Long-term Care Insurance- NOT TYPICALLY: This type of insurance does cover independent living communities because the policy owner will typically need assistance with Activities of Daily living to start the claim process. This care level is not typically offered by the Independent Living Provider. Typically, long-term care insurance will only help off-set costs related to care provided by a licensed provider, and not rent fees or meal expenses.
Standard medical insurance- NO: Health Insurance does NOT cover independent living communities because there are no direct medical treatments and services involved.
Medicare- NO: Medicare does not cover independent living, and rarely pays for assisted living level of care. Medicare’s main function is the coverage of certain expenses like short-term care, and rehabilitation depending on eligibility.
Medicaid- NO: Medicaid does not cover independent living. Most state medicaid plans require a care need to be present, such as dressing assistance, bathing assistance, cognitive impairment, etc.
Questions to ask when looking for Independent Living
- Does the community or facility have the right atmosphere for your needs?
- May I visit the community today?
- Who are the residents?
- What is the food like? Are residents happy with the food options?
- What are the transportation options?
- What amenities and activities are available?
- What are the costs for extra amenities?
- Does the facility have the right atmosphere for your needs?
- Make sure the facility is clean and well maintained. You can tell a lot about the operation by noting What is clean and maintained. Are doorknobs loose or damaged? Do you see any frayed carpet or trip hazards?
- Visit during lunch hour to observe what the residents are eating. Ask questions about the nutrition program. Is there diversity in meals, healthy fruits and vegetables served at all meals, drink options?
- Speak to residents and/or family members to learn their perspective.
- Ask about staff and resident engagement. Get a feel for how staff interact with residents.
- Ask about the life enrichment programs. Activities are crucial when it comes to quality of life and play a key role in care for older adults.
- And finally (there is a plethora of more things to consider), get to know the leadership in the building. If you feel good around the executive director, head nurse, lead activities director and even the chef or janitor, it is a good sign you can trust them with the care of your loved one.
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.
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