Guide for Moving to Assisted Living

ByMoneyGeek Team

Updated: November 8, 2023

ByMoneyGeek Team

Updated: November 8, 2023

Advertising & Editorial Disclosure

Moving out of the family home and into an assisted living community may not be the easiest of transitions. For older adults who've spent decades living at the same address, relocating to a new community can surely cause some angst. But there are ways that loved ones can minimize the stress. Preparing for the event, showing understanding, and rallying around mom and dad with a supportive network of family and friends can help reassure them as they move into this new life chapter.

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THIS GUIDE SHOWS YOU HOW TO
  • Choose the community that's right for your loved one
  • Check that facilities meet local and state licensing laws
  • Create a plan that details your loved one's wishes related to health care and finances
  • Identify which belongings to move to the new living space
  • Employ strategies to help a loved one feel safe and supported

What is Assisted Living?

Today, more than 735,000 people live in assisted living communities, which vary widely in the types of amenities and services they provide. Many offer private and shared apartments and rooms. Some assisted living facilities resemble Victorian mansions while others look like small homes tailored to residents' needs. Services can include three meals a day and help with daily living activities like bathing, dispensing medication, paying bills and shopping for groceries.

Many assisted living facilities emphasize social interaction, offering regular activities, outings and amenities like on-site hair salons.

Signs Someone Needs Assisted Living

If you're not certain whether the time has come for a loved one to transition to assisted living, experts say to watch for certain telltale signs.

Telltale Signs Assisted Living Is Needed

  • Difficulty with bathing, dressing, taking medications and other daily tasks
  • Coping with accidents, especially slips and falls
  • Slow recovery from illness or experiencing a worsening chronic health condition
  • Big changes in weight gain or loss, along with increasing frailty
  • Unkempt appearance or neglecting personal hygiene
  • Becoming noticeably less social

Choosing the Right Community

Choosing the right assisted living community is extremely important for a loved one to feel comfortable and welcome. Look for a community that provides a home-like atmosphere with friendly residents and staff, and one that meets your relative's care needs and interests. Assisted living communities generally offer social activities, transportation to medical appointments and shops, and outings for residents.

Typically, facilities offer three meals a day, which are sometimes served in a large dining room with other residents. Some communities allow residents to order from a menu or cater to specialized dietary needs like vegetarian or vegan meals or food for diabetics. Some facilities permit residents to bring their small pets along.

Here are two websites that list assisted living communities in your area.

  • NewLifeStyles.com
    Provides a list of each state's assisted living options near your zip code. It also reports on facilities' licensing status.

  • SeniorLivingMap.org
    Offers a "home match" tool that matches the facility (independent living, assisted living, and residential care homes) with your care needs and desired location.

7-Step Checklist to Finding the Best Assisted Living Facilities

Use the following tips and questions as tools to decide which places best suit the senior you're helping.

1
Take a Tour

Visit the assisted living communities that appeal to you. Does it seem homelike? Do apartments, rooms and common areas provide lots of natural light, with grab bars in the bathrooms and adequate closet space? Is the facility clean and well-maintained? Do you notice unpleasant odors? Is the temperature comfortable?

2
Meet the Staff & Talk to Residents

Meet and talk with residents and staff members. Do they seem friendly? What do residents like most and least about living in the community? Notice whether staffers seem motivated, knowledgeable, accessible and reasonably happy in their jobs.

3
Observe Staff Behavior

Pay attention to how staffers interact with residents. Do they treat them with kindness and respect or do they seem rushed or bothered by residents' requests?

4
Watch For Resident Grooming

Look for residents to appear well-groomed. Are men clean shaven and women well-kept? Do they appear active and engaged or drowsy, listless and bored?

5
Eat a Meal With the Residents

Eat at least one meal with other residents at every assisted living you're considering. Is the food tasty? Ask about dining hours, whether there's a menu to choose from and whether residents can eat meals in their apartments or rooms.

6
Review Calendars of Events

Many communities post monthly events calendars. Check these out and see if they're appealing to your loved one.

7
Compare Resident-to-Staff Ratios

Ask about the residents-staff ratio and compare it to other assisted living communities you're considering. Ask how day and night residents and staff ratios differ? When you get home, call the National Long-Term Care Ombudsman Resource Center at 202-332-2275 and ask how many complaints the facility has had, the seriousness of the complaints and how they were handled.

Creating an Effective Legal Plan

Before loved ones' move to assisted living, it's important to make sure that their affairs are in order and that serious matters are addressed in written documents. For instance, who is designated to make decisions if acute health conditions emerge? Who will handle mom's finances if she is incapacitated? Who will make certain that the proper documents pertaining to mom's treatment wishes get into the hands of doctors, assisted living facilities, family members and attorneys?

Your Relative's To-Do List for Managing Their Legal Affairs

  • Create a Living Will
    Also known as a health-care directive or advanced directive, this document specifies your wishes regarding care and treatment if you become incapacitated or otherwise unable to communicate. Most state department of aging offices provide free forms to do this. Long-term care facilities and hospitals are required by law to follow the dictates of living wills. Many states also now have Physician Orders for Life-Sustaining Treatment or Medical Orders for Life-Sustaining Treatment forms as well, which are expanded Do Not Resuscitate orders that apply in non-hospital settings. (See the MoneyGeek page Protecting Your Parents' Finances to learn more.)

  • Set up a Durable Power of Attorney for Healthcare
    Some states have different names for durable power of attorney for healthcare, such as health care proxy. This enables you to give someone you trust (known as the agent) authority to make medical and end-of-life decisions for you, such as Do Not Resuscitate. The agent can go to court to enforce your decisions, if necessary, hire and fire medical workers involved in your care, and gain access to your medical records. A healthcare power of attorney usually has broader authority than that of a living will. (See the MoneyGeek page Protecting Your Parents' Finances to learn more.)

  • Make a Will
    This stipulates how assets are disbursed upon your death. Designate an executor to prevent a court from appointing one. The executor ensures that assets are distributed according to your wishes and handles financial obligations, including final taxes and other expenses for the estate.

  • Set up a Power of Attorney for Finances
    This gives someone else the authority to manage your financial and legal affairs, such as paying bills, managing your real estate, or liquidating investments to pay for care. (See the MoneyGeek page Protecting Your Parents' Finances to learn more.)

Helping Loved Ones Adjust to the Move

The move into an assisted living community can be stressful and even frightening. Many older adults fear that they'll be forgotten and alone. Adult children can play a critical role in helping relatives adjust successfully. First, understand and acknowledge that this is a life-changing move. Reassure your loved ones that they won't be left alone.

When the big day arrives, have family members help pack up mom and dad and move together. Make it a celebration, perhaps with a brunch before the move. Let them know that nearby loved ones will visit frequently and that those living farther away will stay in touch regularly. Make good on those promises.

7 Strategies to Smooth the Transition

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When Someone You Care for Refuses to Consider Assisted Living

Doctors, loved ones and friends may realize it's time to move a parent into an assisted living community. But it's not uncommon for the parent to reject the idea altogether. Here are five tips to help a reluctant loved one come around to see that the move is in her best interest.

  • Ease Into the Idea
    Don't act as if you made the decision unilaterally. Go easy at first, broaching the idea gently and seek your parent's feedback.

  • Propose Tours
    Propose touring an assisted living community together. If there's much resistance, drop it for the time being and return to the idea on another day.

  • Express Your Concerns
    In a non-threatening way, point to reasons for the move — a fall, difficulty keeping up with daily tasks, failing health, for instance — and make it clear that you and others worry about your parent.

  • Emphasize Positive Aspect of Assisted Living
    Emphasize that your parent will make new friends, become involved in social activities and outings, have ready access to transportation but won't have to deal with home maintenance and will get help with daily activities.

  • Enlist Help From Trusted Friends & Family
    Try to get a friend of your parent or a trusted clergy member to help her see the wisdom in moving to assisted living.

Caregiving from a Distance

Caring for a loved one is difficult even when you live nearby. It's much more challenging when you live in another state. You see your parent much less frequently. You may become frustrated over your ability to help, or become embroiled in territorial disputes with siblings over care.

Being a long-distance caregiver doesn't mean that you can't help your parent a great deal. You can provide a fresh eye and insights that might be overlooked by local caregivers. You can help take care of financial issues, insurance claims, and weigh in on services the assisted living community provides. And rapid advances in technology make long-distance communication, including video-conferencing, easier than ever.

But caregiving from a distance also presents enormous challenges: making time and footing the bill for travel to the assisted living when it's not an emergency, balancing the time-consuming tasks with family and work, and dealing with the emotional stress of infrequently seeing your parent.

Four web sites offer information, tips and resources to help long-distance caregivers.

Tips for Small-Scale Living

Seniors moving to assisted living must prepare to downsize considerably. It's a good idea to measure the new space and speak with residents and staff about what others bring and what they leave behind. Here's a sample of what to take, but always check with the facility to be sure.

What to Bring to an Assisted Living Facility

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What Not to Bring to an Assisted Living Facility

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Sources: National Center for Health Statistics, Genworth 2019 Cost of Care Survey

The Price Tag for Assisted Living

Costs for assisted living communities vary a great deal depending on the location, whether the resident has a private or shared apartment or room, and the services received.

These 10 tips can help you keep costs under control:

1
Think Studio

Rent a studio apartment instead of a full-sized apartment. This can reduce costs by 15 percent to 20 percent a month.

2
Go Suburban or Rural

Living outside a major metro area can reduce costs by up to 25 percent, while moving out of state can sometimes reduce the cost by much more.

3
Ask for a Deal

Assisted living communities with empty beds may consider waiving some fees or offering financial move-in credits, which can slash your initial tab by up to $10,000. One note: Communities don't provide occupancy rates to potential residents but do disclose them to referral services, and some of these fees can be found at the web site A Place for Mom.

4
Review the Monthly Bill

Pay close attention to fees for services, including help with bathing, mobility, medications, laundry and housekeeping. Even facilities that say their monthly fees are "all-inclusive" sometimes charge for some of these services. Assisted living costs for the overwhelming majority of residents are paid out of pocket from their own financial resources or those of loved ones. That can quickly eat through savings, of course. But other options exist to help foot the bill.

5
Buy Long-Term Care Insurance Wisely

Long-term care insurance covers assisted living, but most policies don't pay until you're incapable of performing at least two activities of daily living or are mentally impaired. The cost of premiums depends on age, gender, health and level of care needed.

6
Review Whole Life Insurance Policies

Whole life insurance policies with long-term care riders or conversion options ensure you — or others — will certainly receive payouts on your premiums, whether in the form of long-term care coverage or benefits to your spouse, children or other heirs at the time of your death.

7
Look at Assisted Living Loans

Assisted living loans are meant to help families over periods of less than two years while they're awaiting other means of paying for care, like the sale of a home or a veteran's pension.

8
Consider Annuities With Long-Term Care Riders

Annuities with long-term care riders enable you to make a series of payments or a single payment to an insurance company. The annuity, in turn, will provide you with monthly income over a number of years or for life.

9
Remember Medicaid

If you lack long-term care coverage and assets to pay for assisted living, Medicaid may be an option. It helps pay for assisted living in a growing number of states. But to qualify, residents must spend down most of their assets and be unable to perform at least two activities of daily living such as dressing, bathing, moving from a chair to a bed, and walking. Not all facilities accept Medicaid. Some non-Medicaid state programs also offer financial assistance to help pay for assisted living.

10
Check With the VA

If you or a loved one is an aging veteran, check with the U.S. Department of Veterans Affairs about benefits that could help pay for assisted living.

Expert Q&A: Making the Transition to Assisted Living

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Barry J. Jacobs is a clinical psychologist, family therapist and the author of the book The Emotional Survival Guide for Caregivers: Looking After Yourself and Your Family While Helping an Aging Parent. He works as the director of Behavioral Sciences for the Crozer-Keystone Family Medicine Residency Program in Springfield, Pa. He is the national spokesperson on family caregiving for the American Heart Association. In July, Jacobs is coming out with a new book he co-authored "AARP Meditations for Caregivers: Practical, Emotional, and Spiritual Support for You and Your Family."

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Reader Resources

These resources provide advice and information about assisted living and how to make the transition successful.

  • Agingcare.com
    Offers a resource library for caregivers and other information on the transition to assisted living.

  • Caring.com
    Offers a state-by-state list of assisted living regulations.

  • National Center for Assisted Living
    Provides resources on finding and paying for assisted living, as well as consumer protections for residents and their loved ones.

  • Life Care Funding Group
    Offers expert advice to help people who need funds to cover the costs of senior housing, including assisted living communities.

  • Find Local Area Agencies on Aging
    The U.S. HHS Administration for Community Living contains links to aging agencies in every U.S. state and territory, with plenty of helpful information for long-distance caregivers

About MoneyGeek Team


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters and award-winning journalists. Learn more about the MoneyGeek team.