New York Senior Living and Elder Care Options

How to Choose a New York Senior Living Facility

With so many New York senior living facilities, finding the right one for your family member can be challenging.

Here’s what you should look for when choosing a New York senior living option:

• New York Adult Care Facility Licensing: Your chosen senior living apartment or facility should be licensed to operate in New York State. This means they have been assessed for their legal, financial, and character and competence standing.
• Senior care administrator licensure: The administrators of your senior supportive living facility should be licensed in New York State. In other words, they must have passed the Nursing Home Administrator Licensing Examination.
• Senior care accreditation: Accreditation shows that a senior living community has high standards for staff training, personal care, medication management, and facility safety. Organizations that offer accreditation in New York include the Home Care Association of America and the Better Business Bureau.
• Accessibility compliance: Leading facilities should offer accessibility features and comply with the Americans with Disabilities Act (ADA). This ensures accommodation for all seniors in their care.
• Amenities and features: Choose a senior home with exciting activities and amenities for your loved one. Examples include fitness centers, dining rooms, daily activities, pools, nature outings, and social activities.
• Glowing reviews and ratings from New York residents: Look for positive reviews and high ratings from New York residents. The higher the client reviews for a senior home, the better the experience they can provide for your loved one.

Cost Considerations for Senior Care in New York

Senior living and elder care costs are often high. They can keep families from getting their loved ones the care they deserve.

Here’s what you need to know about the average prices for the best senior care options in New York State:

Payment Options for Elder Care in New York

Since senior homes can be expensive, funding your family member’s long-term care services can be stressful. Fortunately, there are several ways to pay for New York senior living and elder care options.

Here are the top payment options for elder care in New York:

• Life insurance: If you’re on certain life insurance plans, you can use your life insurance death benefits to pay for senior living costs. You can do this in several ways, including selling your life policy, combining long-term care and life insurance, and using the accelerated death benefits option.
• Savings: Seniors may have stocks, savings, and investments for covering their long-term care. Consult with the senior and their accountant or legal or financial representative to see whether and how savings can fund their care.
• Senior care lenders: Some financial lenders provide loans for covering New York senior care providers. These include local credit unions, major banks, and lenders like Fannie Mae or Freddie Mac.
• Medicare/Medicaid: Some New York senior homes may accept Medicare or Medicaid for certain services. Talk to a facility representative to see if your loved one is eligible.

Senior Living Resources in New York

If you’re having difficulties locating assisted living facilities in New York or paying for your loved one’s care, there are plenty of support services near you.

Here are some senior living resources in New York to get you started:

• New York State (NYS) Department of Veterans’ Services: The NYS Department of Veterans’ Services provides information on veterans’ services, benefits, pensions, health care services, medical care, survivors’ benefits, respite care, and more.
• Office for the Aging: NYS’ Office for the Aging offers help for seniors caregivers. It provides information on long-term care and wellness for seniors, senior housing, NYS housing programs, affordable housing, Medicare and Medicaid, financial literacy resources, and more.
• CaringKind: CaringKind is New York City’s leading expert on dementia and Alzheimer’s caregiving. It provides tools, information, and training to support the well-being of families and people affected by dementia.

New York Senior Living FAQs