Comparing Costs

One of the biggest surprises about senior living is how affordable it can be compared with living at home. Relying on family or friend caregivers or hiring in-home care may seem cost-effective on the surface, but can often result in higher cost and greater stress than other options.

Common Costs

You'll find three main types of cost in most senior communities:

  • Recurring Monthly Fees include care along with basic services like housing, transportation, meals and activities. In our communities, these vary based on the size of the resident's apartment, and the exact amount and type of care needed, so our residents don't pay for unnecessary services.
  • À La Carte Fees are for optional services, like additional housekeeping or laundry services. Our communities don't charge these when our residents don't use these services.
  • A Community Fee is a one-time, non-refundable fee paid upon move-in. In our communities, it directly offsets the cost of preparing an apartment for a new resident, and is also applied to the upkeep of shared community spaces, like living and dining rooms.

Assisted Living Costs vs. Living at Home Costs

To gain a fuller understanding of the value of a community's monthly fee, it helps to understand your total cost of continuing to live at home.

Since home living costs can vary from month to month, you should calculate annual living costs and divide by 12 to determine a monthly average. Be sure to identify major repairs (including furnace and roof) and modifications (like bathtub grip bars, handrails, and an alarm system) that may be necessary to remain safe at home.

Also consider the costs of having a primary caregiver at home. Taking time away from work, hiring an elder-care sitter, and transportation costs all add up. Bear in mind that there can be psychological costs as well.

After adding all monthly living costs to the expense of in-home care, senior living in an Enlivant community often turns out to be a much better value. To find out more, try our Affordable Senior Care Calculator.


How to Pay for Assisted Living

If you're looking into senior care, budgeting assistance may be available for assisted living.

  • Selling the Senior's Home: While this option may not initially seem appealing, selling the home is typically the best source of revenue to help move your loved one into assisted living. The income gained from selling the home can greatly ease the stress and financial burden of paying for senior care.
  • Long-Term Care Insurance: These policies typically cover assisted living costs. If your loved one has a long-term care insurance policy, check with the insurance carrier to fully understand what costs are covered.
  • Veterans (VA) Benefits: Many veterans and their spouses are eligible for tax-free aid per month toward care services, thanks to the Aid and Attendance Pension Benefit. Even veterans who were not injured during service qualify for the benefit.
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