Access Care Senior Living

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Comprehensive Resources to Address Client Needs

When you rely on the professional services of Access Care Senior Living, you can be assured your loved one will be taken care of in the best facility possible and receive the most compassionate care around. We feature a broad range of different programs to help our clients find their next home.

Options in Assisted Living

Assisted living rates vary from state to state, and typically range from $2,200 to $5,000 per month. One of the first questions we are asked is if Medicare will pay for assisted living. Unfortunately, the answer is no. However, you do have options.

If an assisted living facility is right for your family, here are six options worth exploring to help cover the cost:

Long Term Care Insurance

Long term care insurance policies can be used to pay for assisted living expenses. The policy will need to be activated and may require a health assessment. There also may be a waiting period, typically 90 days, during which you would need to cover privately. Check with your insurance provider for details.

Life Insurance

Life insurance policies can be cashed out. The first step is to contact your life insurance provider about accelerated or living benefits. If your insurance company cannot, or will not, buy back the policy, there are third party companies that do, and it is called a “life settlement.” Typically the buy back for the policy is 50% of its face-value and is determined on the amount of the policy and policy holder’s age. Check with your policy holder for details.

Bridge Loan

Bridge loans are short-term loans of up to $50,000 designed specifically to provide the funds for a move to an assisted living facility. The loan provides a line of credit to finance the first few months of living expenses while seniors sell their home. Check with your bank to see if they offer this type of loan.

Reverse Mortgage

Reverse mortgages are ideal when one spouse needs assisted living and the other spouse wants to remain in their home. One of the requirements for a reverse mortgage is that one homeowner must be over the age of 62. Check with your mortgage lender for details.


Medicaid is an option if your loved one has limited funds, typically $2,000 per month in income and $2,000 in assets, not including a home or car.

Veterans Aid and Attendance

Veterans Aid and Attendance is a benefit for veterans of war and their spouses to help pay for assisted living. There are several requirements such as specific service dates, one day served during a time of war and honorable discharge.

Schedule an appointment with us today by calling (760) 402-4674 or reach us by email at [email protected].


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