Sep 20, 2011 at 5:53 AM
The predominantly rural areas in West Virginia can make it difficult to find affordable senior living for those that need moderate levels of care. There are assisted living facilities, nursing homes and retirement communities, but they are not always conveniently located. The lack of major population centers means that many senior living options are spread out and not always located within easy visiting distance for families. Many seniors need:
The nearest assisted living facilities or retirement communities might be more than forty miles away. The larger travel distances involved can reduce or eliminate the number of times that relatives visit an aging senior. The earlier you begin looking for a senior living option in your area the more likely you are to find one that is in a reasonable commuting distance.
Different senior living options have different levels of expense. Retirement communities can be very reasonable, but all costs are directly billed to the senior. Assisted living facilities start at $1,450 monthly and nursing homes start at $130 per day. This is cost prohibitive for most seniors, but there are ways to help fund long term care. Medicare does not cover anything but short term, but Medicaid may cover long term under certain conditions. If you have too much money to qualify for Medicaid, you can always spend down your assets on your care until you do qualify. Long term care insurance policies can also help, depending on the type of facility and the terms of the policy.
Given the difficulties in finding locations convenient to relatives, it is crucial for you to start looking at different senior living options as early as possible. Financial necessity might push you into a less than favorable facility unless you take the time to start early action.