Page 37 - Senior Housing Directory 2022 South Central Michigan
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 at 1-800-803-7174 can explain what pro- grams are available and how to qualify. Supplemental Security Income –
The Social Security Administration runs an income supplement program for low-income blind, aged, and disabled people. This program is called Supple- mental Security Income (SSI). If you qual- ify for SSI, you are paid a monthly check to bring your total income up to the SSI limit.
You apply for SSI at your local Social Security office. Additional information can be obtained from the Social Security Administration at 1-800-772-1213. If you qualify for SSI, you automatically qualify for Medicaid.
Some adult foster care homes and homes for the aged accept SSI payment levels as payment in full. If the AFC or HFA accepts SSI, it cannot charge you more than this amount for its services. However, an AFC or HFA is not required to accept a resident receiving SSI.
Covering Costs for Skilled Nurs- ing Facility (SNF) Care – Your medical condition, or that of a loved one, might
reach a point that 24-hour skilled nursing care is the remaining option. Long-term care can be tremendously expensive, and unfortunately, your options for covering
it are limited. Costs in our region start around $260 per day for a semi-private room and $295 per day for a private room, and go up from there to as much as $360 per day. Annually, that calculates to a range of nearly $95,000 to more than $130,000.
Ensuring that you have adequate dollars to support a skilled level of care in the future takes intentional planning. One way is to rely on your own savings or a loan, like a reverse mortgage. Another is to buy long-term care insurance, which is sold by many insurance companies but is more difficult to find than before. The earlier you buy a policy, the better. The premium gets more expensive the older you are. You may also be able to trade
in your life insurance policy for long-term care insurance.
People who have worked for the government or were in the military may qualify for discounted insurance. Some
costs may also be covered through the Aid and Attendance program previously mentioned.
If your income or assets are low enough you might qualify for Medicaid, which will cover most of your long-term care costs.
Many people who don’t qualify for Medicaid because their assets are
too high pay for long-term care on
their own. Then, once that money is exhausted, and their assets are low enough, they can then qualify for Med- icaid coverage. Medicaid programs are run by individual states. Be aware that Medicaid does have a five-year look back period. Assets given away during the most recent five years will still count in dollars available at the time you apply for benefits. Talk to an elder law attor- ney to determine what might be the best route for your family.
The Benefits.gov website can connect you to information about your state’s Medicaid plan. For more information please contact your MMAP Counselor at 1-800-803-7174.
    Family Taking Care of Family
The ultimate in retirement living, offering a unique combination of independent and assisted living units.
  A Place to Call Home
Family Owned & Operated
• Safe and Beautiful Community
• Independent and Assisted Living
• 1 & 2 Bedroom Apartments/Rooms
• Nutritious and Delicious Meals
• Scheduled Transportation • Extensive Social Activities • Housekeeping
• Pet Friendly
  CARVETH VILLAGE
690 W. Main St., Middleville MI 49333
(269) 795-4972
www.carvethvillage.com
  Telephone
Reassurance
Service
YOUR CONNECTION TO A CARING VOICE
A PROGRAM FOR PEOPLE WHO ARE
Homebound•Desire to Remain Independent•Caregivers
AND
• That have a need for frequent contact
• A desire for regular social interaction
• Services can be short term or ongoing
• The need may be simply a friendly conversation or a connection to assistance
For more information or to request services call:
(269) 963-0746 Battle Creek area or
The Forks Senior Center (517) 629-3842 Albion/Marshall area.
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