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Considerations, Tips & Insights for Senior Living

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01. Signs It’s Time for Senior Care

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  • Difficulty with daily activities like bathing, dressing, and cooking

  • Frequent falls or injuries

  • Memory loss affecting daily life

  • Neglected hygiene and home upkeep

  • Social isolation and loneliness

  • Worsening medical conditions requiring constant monitoring

male senior citizen with cane walking with woman and child

02. Financial Considerations
Medicare and most health insurance plans do not cover standard senior care. Below are cost estimates for Southeast Michigan:

In-home care: 
$32/hour (minimum 4-hour shifts)
Assisted living: 
$6,500/month (range: $4,000-$9,000+ depending on care level)
Memory care: 
Higher costs based on needs

Ways to Pay for Senior Care:

  • Social Security & Pensions     

  • Savings

  • Sale of a home

  • Long-term care insurance

  • Investments & Annuities

  • Veteran Benefits

  • Medicaid (for low-income seniors)

  • Family Contributions

  • Donations or Charitable Support

03. What Are Different Types of Senior Care?

In-home care: Caregivers assist with daily tasks at home.
Independent living: For seniors who are active but want a community setting.
Assisted living: Housing with some medical and personal care support.
Memory care: Specialized care for dementia and Alzheimer’s patients.
Skilled nursing facilities: Full-time medical care and rehabilitation.
senior citizen female with middle age woman

04. How Do I Determine What Is Needed?

  • Assess medical needs and daily activity limitations

  • Consider cognitive health and memory concerns

  • Evaluate home safety and risk of falls

  • Review emotional and social needs

  • Consult with a geriatric care manager or doctor

05. How Do I Move My Family Member?

Step 1:

Have an honest conversation about needs and options
Step 2:

Visit and select the right senior care community
Step 3: 

Plan finances and logistics
Step 4: 

Arrange transportation and personal belongings
Step 5:

Support them through the transition with patience and reassurance

06. What Questions Should I Ask on a Visit?

  • What level of care is provided?

  • What are the staff-to-resident ratios?

  • Are medical services available 24/7?

  • What activities and social opportunities are available?

  • How does the facility handle emergencies?

  • Are meals customizable for dietary restrictions?

  • What is the cost structure and payment options?

middle age male with two senior citizens walking on road arm in arm
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