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Find the Best Assisted Living Near Cleveland , OH
If your loved one needs help with activities of daily living (ADLs) but wants to maintain their independence, it might be time to consider assisted living in Cleveland, OH.
However, Cleveland is a big city, and finding the best assisted living property for your loved one can be a time-consuming challenge. There are local Assisted Living Locators® Care Advisors who can help guide you through the process of transitioning your loved one into assisted living in Cleveland.
To help you get started, let’s take a look at Cleveland assisted living expenses, payment options, and some important aspects of senior life in the “Forest City.”
Finding Your Assisted Living Advisor in Cleveland , OH
What is the Cost of Assisted Living in Cleveland , OH?
The average monthly cost of an assisted living facility in Cleveland, OH is $4,940 per month. However, the exact price differs depending on several factors, including amenities, location, and the amount of assistance your loved one needs.
It’s helpful to create a monthly budget to get an idea of what your loved one is paying to support his or her current lifestyle. Add up their rent or mortgage payments, utility bills, maintenance expenses, grocery receipts, transportation, and discretionary expenditures. Make sure that you also include the cost of homemaker or home health aide services that your loved one might require. For example:
- Medication management
- Bathing and personal hygiene
- Incontinence care
- Meal preparation and assistance with eating
- Ambulation and transfer assistance around the home
- Transportation to/from appointments, errands, etc.
Using this information, a local senior care advisor can help you determine which assisted living properties in Cleveland fall within your loved one’s budget.
Once you add up the numbers, you might find that your loved one is already spending as much on their current lifestyle as they would for assisted living. However, something to remember is that many of their personal care, lifestyle and household costs are included in the monthly fee billed by an assisted living community. This fact can greatly simplify your loved one’s monthly finances. Instead of having to manage multiple bills, they only need to pay a single provider.
What Should Every Senior Know About Living in Cleveland, OH?
Close to 15 percent of Cleveland’s population is over the age of 65. And it’s no wonder; Cleveland offers the benefits of a big city but with a more relaxed way of life.
Cleveland Weather and Climate
Cleveland, OH has a continental climate with four distinct seasons. The average temperature typically ranges from a July high of 82° F to a January low of 22° F. With its proximity to Lake Erie, the city usually receives around 54 inches of snow per year. However, due to the lake effect, snowfall is more heavily concentrated on the city’s East Side.
Local Hospitals and Notable Medical Care
Cleveland has a wide array of top-notch hospitals and medical centers. For example, there is the Cleveland Clinic, which is consistently ranked as one of the best hospitals in the United States. There is also the University Hospitals Cleveland Medical Center, which is nationally ranked for its Geriatrics department.
There are several low-cost options available to seniors who want to travel in the greater Cleveland metro area without driving vehicles. To start, there is a robust mass transit system, which includes rail, bus, trolley, and paratransit services. Two major Amtrak lines also meet in Cleveland, allowing residents to easily travel across the Midwest and East Coast. Moreover, many local providers offer specialized senior transportation services.
Arts, Culture, and Recreation
Cleveland’s recreation centers supply numerous volunteer, cultural and fitness opportunities for seniors. City residents can go to Broadway musicals, special concerts, speaking engagements, and other events throughout the year in the famous Playhouse Square theater district. Cleveland is also home to several major and minor league sports teams. Seniors can enjoy outdoor recreational activities in the extensive Cleveland Metroparks system and the Lake Erie waterfront.
How Do I Pay for Cleveland, OH Assisted Living?
A local senior care advisor can help you and your loved one choose the best payment methods for assisted living in Cleveland, OH. While families commonly pay some costs out-of-pocket, there are many other options that help fund residence in assisted living communities, such as:
If your loved one (or their spouse) served in the U.S. Armed Forces, he or she may be able to use veterans’ benefits to pay for Cleveland assisted living. For instance, there is the Aid and Attendance program, which helps cover ADL assistance services for veterans and their spouses. Contact your local Veterans Affairs office to learn about benefits that help pay for senior housing and care needs.
Long-Term Care Insurance
Another potential way to pay for an assisted living community in Cleveland, OH is with long-term care (LTC). LTC insurance is designed to cover long-term care support services needed due to a chronic illness. Many—but not all—LTC policies will fund custodial care services offered by an assisted living community. If your loved one has LTC coverage, call their plan provider to learn about what they do and don’t cover, when benefits are paid out, and how long they will pay for care.
If your loved one owns real estate property and has a favorable credit rating, they might consider using home equity to pay for assisted living in Cleveland, OH. They could sell or rent out the house, request a reverse mortgage or take out a home equity loan.
Assisted living properties in Cleveland, OH are generally not covered by Medicare because they offer custodial care services, not skilled medical care. If your loved one meets the eligibility requirements, they might be able to use Medicare to fund qualifying in-home medical services. However, it normally only covers short-term care provided by licensed nurses. Under no circumstances will Medicare pay monthly rent or community fees.
If your loved one successfully obtains Medicaid benefits and meets certain care criteria, they may be eligible for Ohio’s Assisted Living Waiver Program. The waiver will help cover the cost of custodial assistance with activities of daily living. However, the program does NOT cover the cost of assisted living room and board. Moreover, not all assisted living residences accept Medicaid. Talk with a local senior living advisor to determine which Cleveland assisted living properties participate in the program.
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FAQ About Senior Living in Cleveland , OH
Assisted living is for seniors who need help with activities of daily living, but do not have severe memory/cognitive issues or a need for skilled nursing. Your loved one should go through a needs assessment process to determine if assisted living is the right senior care option.
Assisted living provides custodial services for seniors who require ADL assistance but can otherwise live on their own. A nursing home is for seniors who need to recover from medical operations or have significant chronic health conditions requiring daily skilled medical care.
Social Security can be used to help pay for assisted living in Cleveland, but it typically doesn’t cover the full cost. The state of Ohio offers an additional supplementary payment to qualified Social Security recipients. It can also be used to help pay for assisted living.