30 Independent Living Facilities in Saint Clair Shores, MI
The independent-living program offers seniors comfort while preserving their independence. Seniors who don’t need help in activities of daily living (ADLs), and like to participate in social activities, can benefit from an independent living community. Meals, housekeeping, laundry, and enjoyable activities are usually provided to seniors in an independent living complex. The community care professionals and staff can aid with transportation, cleaning, and medication management on request.
Complete Guide to Independent Living
There are 30 independent living communities in the Saint Clair Shores area. If you’re looking for right independent living in Saint Clair Shores, our local senior advisors can help you every step of the way. From affordable choices for seniors to luxury options, we’ll work with you to understand the cost of independent living in Saint Clair Shores. Then we’ll show you the best independent living communities suitable for your lifestyle, interests, and budget in Saint Clair Shores.
Explore our listings to compare the amenities, floor plans, and services available at each residence. To speak with one of our Family Advisors about independent living options and costs in Saint Clair Shores, call +(877) 409-0666 or get in touch through info@boomershub.com.
You may also take into consideration Independent Living facilities in nearby cities like: Troy, Hazel Park, Clinton Township, New Baltimore, Roseville, Royal Oak, Warren, Detroit, Grosse Pointe, Rochester, Sterling Heights.
See The Best Independent Living Facilities around Saint Clair Shores
Cost of Independent Living in Saint Clair Shores, MI
The annual cost of independent living communities across the USA can range from $12,000 to $42,000. The cost variations depend on the amenities, home size, and cost of living in the area. The average cost of senior independent living in Saint Clair Shores is $3469 per month, which is 15% than the Michigan average of $3053. And if compared to the national monthly average of $2795, Saint Clair Shores retirement community cost is 4,071
What Are Alternate to Independent Living Senior Care Options in Saint Clair Shores, MI?
Elderly residents in Saint Clair Shores have wide range of care options besides independent living, depending on their care level and medical conditions. If you are looking for assisted living in Saint Clair Shores, there are various options to choose from. At the same time there are nursing homes in Saint Clair Shores, memory care in Saint Clair Shores, and home care in Saint Clair Shores - all of them are also the options you can look for.
Would you like to get to know more about other care options? Read this article – Independent living alternatives.
Independent Living Financial Assistance for Seniors in Saint Clair Shores, MI
Medicare does not instantly cover living in independent living residences. But someone may demand medical care for a limited time while staying there. Medicare could reimburse for that if the older adults meet the eligibility requirements. Nevertheless, older adults will receive regular Medicare payments like doctor’s visits, hospital stays, and others. Eligible seniors in retirement homes can also use their Medicaid and Veteran benefits. It will help offset some approved medical expenses even if independent living employees perform them.
Finance Independent Living with Additional Schemes
A few older adults can use Social Security funds, HUD support, Supplemental Security Income (SSI) payments, private retirement income, or long-term care insurance to cover for independent living expenses. An alternative for many seniors to pay for their independent living facility is to rent out or sell their residences that they will not use anymore.
Social Security Funds
The social security funds support seniors cover for retirement services and obtain disability compensation. A particular amount is deposited in social security accounts. You get them paid when you require long-term care after retirement. You can get coverage from 2 types of funds. The first one is the Old-Age Survivors Insurance (OASI), and the second is the Disability Insurance (DI) Trust Fund. You can use these funds only to pay for benefits you receive during senior years.
HUD Program
HUD is a program operated by the Department of Housing and Urban Development (HUD). This department develops approaches and policies to address the housing requirements of the USA. The HUD's program helps low-income seniors and their families with mortgage insurance protection to possess their houses.
Long-Term Care Insurance (LTCI)
The LTCI coverage are offered to seniors receiving long-term care. Seniors can pay for retirement residential services through the LTCI allowances that the regular insurance does not cover. According to the 2020 figures from the Administration for Community Living, about 70% of seniors over 65 will benefit from LTCI benefits in the future. This includes aid with ADLs, costs of chronic health diseases, having a disability, and long-term condition like dementia.
Would you like to have broader knowledge about independent living financial assistance? Please read this article – How to pay for independent living?
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