Page 35 - Senior Housing Directory 2022 South Central Michigan
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   medical and behavioral health services, pharmacy, home and community-based services and nursing home care, all in a single program designed to meet indi- vidual needs. Those who are eligible for both Medicare and Medicaid and qualify for MI Health Link will be sent enrollment options through a letter.
AFC, HFA, and Assisted Living –
Costs for individuals residing at an adult foster care (AFC) home, a home for the aged (HFA), or an unlicensed assisted liv- ing vary from facility to facility with limited options for financial support. Costs will also vary within a facility depending on the services received.
Some people can afford to pay fees from their own income and savings. Oth- ers may choose to sell their home, sign a reverse mortgage, sell other assets, or access dollars from investments.
Some local businesses include a long-term care program benefit or have supports services that will provide assis- tance. Others may have purchased long- term care insurance on their own that
pays all or part of the cost of activities
of daily living or assisted living. Some life insurance policies have a chronic illness rider. Generally, you can qualify if you are unable to do two of six activities of daily living without assistance or if you need assistance for cognitive impairment. Finally, there is family.
Many find it difficult to find affordable assisted living. Unlike skilled nursing facilities, government financial assistance for assisted living is very limited, however, a Veteran and their spouse may qualify for assistance through the Aid and Atten- dance program.
If you are considering moving into an ACH, HFA or unlicensed assisted living, one of the questions you should be ask- ing yourself is, “How long can I afford to live in this facility?” You should consider not only current costs and fees, but future increases. You also need to think about how your care needs may change and how that will impact costs. And if private funds run out, it may be neces- sary to move to another facility. Average
costs for assisted living is $3,725 per month, according to AARP. For most, additional support will be necessary to stay long-term. See pages 20-23 for a more detailed list of questions to ask before moving in.
Veterans Administration – The Veterans Administration provides pen- sion benefits to Veterans, their spouses, and widows or widowers with limited incomes. Probably the most underuti- lized Veteran’s benefit available is the VA Aid and Attendance Pension. This benefit pays for home care, assisted living, and adult foster care expenses, where traditionally, people would have to go into a nursing home to have the government (Medicaid) help pay for their care. This benefit is a great alter- native to Medicaid or even long-term- care insurance (for those who are not insurable). Information can be obtained by calling the Veterans Administration at 1-800-827-1000 or your local regional benefit office.
Emergency respite dollars are available when a caregiver for a person with dementia suddenly becomes ill or is injured. Reach out to Miles for Memories at (269) 979-1412 for support.

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