Assisted Living Facilities: What Families Need to Know

But before making this decision, it’s important to understand the services, costs, and legal considerations involved

What Is an Assisted Living Facility?

An assisted living facility (ALF) is a residential community designed for seniors who need help with daily activities such as:

• Meals and housekeeping

• Medication reminders or management

• Transportation

• Bathing, dressing, or mobility support

Unlike nursing homes, assisted living facilities generally do not provide 24/7 skilled medical care. They are best suited for seniors who need extra support but want to remain socially engaged and active.

Cost of Assisted Living

• Assisted living costs vary widely but often average several thousand dollars per month.

• Unlike hospital or rehab care, Medicare does not cover assisted living.

• Some long-term care insurance policies or Medicaid waiver programs may help with costs (depending on the state).

• Without planning, many families find themselves paying out of pocket.

Legal Issues to Consider

1. Contracts and Agreements

   • Admission agreements often outline fees, services, and resident rights. Have an attorney review before signing.

2. Resident Rights

   • Seniors in assisted living facilities have the right to privacy, dignity, safety, and participation in decisions about their care.

3. Powers of Attorney & Advance Directives

   • Families should ensure legal documents are in place before admission. This ensures decisions can be made smoothly if the resident becomes incapacitated.

4. Medicaid Planning

   • Some assisted living costs may eventually be covered by Medicaid, but only if eligibility requirements are met. Early planning helps preserve assets while qualifying for benefits.

Assisted Living vs. Nursing Homes

• Assisted Living: Best for seniors needing help with daily activities but not full-time medical care.

• Nursing Homes: Necessary for those requiring 24/7 skilled medical or memory care.

Knowing the difference helps families choose the right option for their loved one’s needs.

Final Takeaway

Assisted living facilities can offer independence, safety, and community for seniors—but the decision comes with financial and legal considerations. With proper planning, families can ensure their loved ones receive the right care while protecting assets and honoring personal wishes.

Are you considering assisted living for yourself or a loved one? Our attorneys can help review contracts, protect assets, and plan for long-term care costs. Contact us today for guidance you can trust.