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(PERS); private duty nursing/respiratory care; respite services; specialized medical equipment and supplies; and training in a variety of independent living skills. Another option is PACE. The Program of All-Inclusive Care for the Elderly (PACE) is a capitated benefit that features a comprehensive service delivery system and integrated Medicare and Medicaid financing for frail, elderly individuals that meet long-term Care (LTC) level of care criteria. For most PACE participants (enrollees), the comprehensive service package permits them to continue living at home while receiving services rather than moving to an adult care facility. Participants must meet certain criteria but it begins with being medically qualified and at least 55 years of age. Area PACE programs are listed on page 17.Adult day, adult night care, and respite care is offered at many adult care facilities. Rates vary based on length of stay, needs, and support services. Daily, weekly, and monthly rates apply. Qualifying for programs to cover costs for care are dependent on financial need. Personal resources are often utilized. Covering costs for AFC, HFA, and Assisted Living %u2013 Costs for individuals residing at an adult foster care (AFC) home, a home for the aged (HFA), or an unlicensed assisted living vary from facility to facility with limited options for financial support. Costs will also vary within a facility depending on the services received. Be sure to confirm what is, or isn%u2019t, included in the price.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 Attendance program. Some people can afford to pay fees from their own income and savings. Others may choose to sell their home, sign a reverse mortgage, sell other assets, or access dollars from investments. Family may be able to help.Some local businesses include a long-term care program benefit or have supports services that will provide assistance. 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 or long-term care 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. Be sure to read the renewal policy each year for changes in costs and care. The Veterans Administration provides pension benefits to Veterans, their spouses, and widows or widowers with limited incomes. Information can be obtained by calling the Veterans Administration at 1-800-827-1000 or your local regional benefit office. 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. CONTINUED Cover Your CostsWe know you want your loved one to stay in their home as long as possible.Let us help them (and you) maintain independence by providing a well deserved break for family caregivers.Call us at 269-204-6537We%u2019ll be there with home care services when you need them most! Or our Caring Companions will help with activities of daily living, Alzheimer%u2019s care, meal prep, medication reminders, transportation to appointments, and much more.caringcompanionskalamazoo.comCaring Companions Specializes inAlzheimer%u2019s and Respite CareServing all of Kalamazoo County with safe and independent at home services by our experienced Caring Companions%u201cCentrica gave our family more quality time with my husband.%u201dSENIOR HOUSING DIRECTORY | 202632