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Low Income Senior Housing Indiana

Once reaching our 20s, we join a working job or service to create wealth throughout our lives. We use this wealth to earn a safe and secure living. And as time passes, we understand the importance of financial planning for our lives post-retirement.

While the majority of older adults prefer living in their homes, there are many hurdles including health problems, physical disabilities, or home maintenance that force them to search for senior living communities near their cities. However, affording a senior living community is not possible for all. It becomes even more difficult for low-income seniors.

Assisted Living in Indiana

Indiana has a retirement age population percentage in double digits when compared to its total inhabitants. It directly indicates the demand for senior living communities in Indiana. When you search for senior living, there are a good number of senior living communities in Indiana.

Starting from the biggest city Indianapolis to more suburban regions, the available options for assisted living include nursing homes, foster care, residential care homes, retirement communities, and independent living. You should prepare a list of your requirements on a page before you search for a facility near your city. There are plenty of programs to help low-income seniors so that they can easily afford a senior living community.

While Indianapolis itself hosts many senior living facilities, not all senior adults want to live in the city environment. It leads many to look for other options that are away from the city, but at the same time, easily accessible. If you search on the map, Two Hearts is located about a 2 to 3-hour drive from Indianapolis. The county location along with our quality services makes us one of the best senior living facilities in the state of Indiana. Feel free to call or visit us for any queries.

Who is Suitable for Independent Living

If you are in search of Independent living near Indianapolis, Lowell, or other regions in Indiana it is important to know who fits the criteria. If you can walk on your own without any difficulty, have no memory loss, and require very little supervision and support, independent living may be the ideal senior living option for you. It offers independent apartments with some additional services to ease your life.

Independent living is relatively an expensive senior living option. Independent living communities offer you home maintenance, laundry, and other services to make your lifestyle easier than living on your own.

Should I join an Assisted Living Facility?

An assisted living community is a big apartment facility that may host hundreds of adult seniors with apartment style accommodation options. The apartments are both private and government-run assisted living facilities that you may search for near your city. Seniors who need assistance in ADLs may opt for an assisted living community.

Though these apartments style facilities may seem more affordable, if you do not enjoy crowded social places, it might not be the right option for you. When you are considering such apartments style facilities, make sure you do not have any active health issues that require frequent health care services. Call us today to know more about our assisted living services. You can also book appointments for a tour. We would love to welcome you or your family members to our community.

Moving Into An Assisted Living

What are Retirement Communities?

Retirement communities are residential communities or housing complexes or apartments for retired adults who are in search of seniors living near them. Retirement communities are mostly age-restricted where the residents need to be partially or fully retired. You will find a lot of shared amenities and services in these apartment style retirement communities to help adult seniors maintain an easy and comfortable lifestyle.

Who Should Join Retirement Communities?

Are you unsure if you would be a good fit for retirement communities or not? Let us help you clear your doubt.

Retirement communities are not for all the retired people out there. These retirement communities are generally for retired people who can live on their own. People with an active illness or adult seniors who require frequent medical care should not consider retirement community type apartments.

What is a Memory Care Facility?

A memory care community is specially designed for seniors who have Alzheimer’s or dementia. The staff members are trained to assist patients with memory loss. Located at 18220 Clark Street, Lowell, IN 46356, we at Two Hearts have an in-house memory center for residents with Alzheimer’s or dementia.

Who is a Good Suit for Nursing Care Homes?

Nursing homes provide the highest level of care for senior adults. They are very different from assisted living apartments. Nursing homes are suitable for seniors with active disease or seniors who need frequent health care or medical services in the form of regular injections, infusions, or other medical support. Nursing home l apartments cost relatively higher in Indiana and other states near it. You will find both government and privately-run nursing homes.

What is considered low income for senior citizens?

As per the Federal government guidelines, seniors of 60 or above having an annual income of less than $30,000 are considered low-income senior citizens. The government of Indiana offers various programs to help low-income seniors to make senior living apartments or care facilities more accessible to them.

Are Retirement Communities and Independent Living Apartments the Same?

People in search of retirement communities and independent living apartments or communities often seem to be confused between the two. Retirement communities and Independent living apartments differ from each other. Retirement communities are age-restricted housing complexes where retired seniors live on their own. On the other hand, an independent living community offers apartment style of accommodations where residents are given more freedom to live in a private home-like setting rather than the apartments style life.

Virginia Place

What is a Residential Care Home?

Often known as group homes or board and care homes, residential facilities are single-family homes converted into senior living communities on purpose. They are often located in residential housing neighborhoods that offer a calm and peaceful environment with limited social life and events. Unlike an apartment style community, a residential home hosts a very small community of seniors and offers a higher level of personal care. The caregivers and staff members help you save a lot of time and effort as they look after the household chores.

If you are in search of such a facility near the capital city of Indianapolis, you might like to consider Two Hearts Homes for Seniors. Our location is 18220 Clark Street, Lowell, IN 46356 which is about a 2 to 3-hour drive from Indianapolis on the map. You get to enjoy different amenities and services like outdoor park space, dining area, entertainment center, nearby shopping area, and more. Give us a call or feel free to visit our site at the address above for any query. We would love to welcome you to our community.

nurse and senior woman during home visit
nurse and senior woman during home visit
Virginia Place

What is Two Hearts Homes for Seniors

Two Hearts is a state-licensed residential care home near Indianapolis. If you search on the map, we are just a 2 to 3-hour drive from the capital city of Indiana. We are located at 18220 Clark Street, Lowell, IN 46356. Our unique county location and surroundings offer a very peaceful environment for the residents. Our small size allows us to provide better-personalized care to the local residents of Indiana. We also have a memory care center for residents with Alzheimer’s and dementia.

With a high residents-to-caregivers ratio of 5:1 during the day and 8:1 during the night, our caregivers are available round the clock to ensure the safety and wellbeing of each person in the community. Feel free to contact us through a call at our phone number (+1) 2196 002 200 today to book appointments for a tour. We are easily accessible with a 2 to 3-hour drive from Indianapolis on the map.

Some of the amenities and services offered by Two Hearts Homes for Seniors are:

●  Private Bedrooms

● Park space

● Community dining area

● Retirement care service

● Emergency pendants

● 24-hour CPR certified staff

● ADA compliant housing

● Security system

● Camera monitoring in main areas

● Personal hygiene and grooming

● Bathing and toileting assistance

● Laundry service

● Social events

● Television and internet access

Give us a call or visit us for more information regarding our services. If you search on the map, you will find our facility being one of the closest residential care homes to the capital city of Indianapolis.

nurse and senior woman during home visit
senior living
Virginia Place

Does Two Hearts Accept Program Benefits?

We at Two Hearts Homes for Seniors accept various program benefits to make your senior living more affordable. You enjoy all the services and amenities like outdoor park space, dining area, nearby shopping area, private rooms that make our residents feel like living in their own apartments, and more.

Our state-licensed community in Indiana hosts a maximum of 16 residents. People in search of senior living facilities near their cities can connect with us for any assistance. Two Hearts also accept Medicaid. It is a good resource or option to pay your senior living expenses. We will discuss more about Medicaid in Indiana further below in the article.

 We are located at 18220 Clark Street, Lowell, IN 46356. We are about a 2 to 3-hour drive from the capital city Indianapolis on the map. Feel free to contact us through a call or visit our site at the address above.

What are the requirements for assisted living in Indiana?

Each state of the United States has a set of requirements for joining an assisted living community. The requirements for getting admitted to senior living communities or apartments in Indiana are:

● You need to be a local resident of Indiana

● You need to be mentally stable

●    You need to be functional and able to do at least 3 daily living activities such as eating, toileting, and moving without total assistance

In addition to these, if you are seeking to reside in a senior care community, you should not:

●    Be a danger to yourself or others

● Require 24-hour-a-day comprehensive, trained nursing care or health care

●    Require any rehabilitative therapies

What is HUD Senior Housing?

The U.S. Department of Housing and Urban Development (HUD) is responsible for creating policies to address housing problems in the country. HUD also offers programs to make house ownership and renting more accessible to low-income residents in the United States.

Some of the highlighting programs by HUD are:

●  Section 8

● Public Housing

● FHA Mortgage and Loan Insurance

● Community Development Block Grants (CDBG)

● HOME Investment Partnerships Program

● Homeless Assistance

●    Fair Housing Assistance Program (FHAP)

Who qualifies for HUD senior housing?

The primary goal of HUD is to create housing solutions for all. It covers multifamily housing, public housing, apartments and more other housing setups. There are 23 housing programs available for seniors under HUD. Section 202 Supportive Housing for the Elderly is a rental assistance program by HUD that provides financial help for adult seniors.

HUD offers interest-free capital advances to non-profit or private sponsors to develop apartments or housing for elderly seniors. These housing options provide support activities like cooking, cleaning, transportation, and more.

nurse and senior woman during home visit
Virginia Place
assisted living at facility

What is the average cost of a senior living facility?

A senior living community in Indiana may cost $3,500 to $5,000 depending on the location and service provider. Feel free to give us a call if you have any queries regarding our service costs. Unlike other senior living communities, we do not charge you a yearly subscription upfront. We offer monthly subscription plans. Once you are sure to call Two Hearts a home, you may opt for our yearly plans.

What is the average cost of assisted living in Indiana?

The cost of an assisted living community in the state of Indiana is a little higher than the national average of $4,000. The average monthly cost of a facility is $4,385. It is also higher than the costs of the bordering states. However, the state median cost is less expensive than the majority of the other types of long-term care options, except independent living.

Does Medicaid pay for assisted living facilities?

Though Indiana’s Medicaid program doesn’t cover assisted living costs, you may take advantage of a waiver program for the same. The program is called “Indiana’s Aged & Disabled Medicaid Waiver.” The waiver program has a cap of 13,000 people at one time. A waiting list of five years is also available for the same. We suggest you get on this list immediately so you can cover the expenses of your assisted living cost for the facility you chose whether it is apartments or single-family dwelling.

Who Is Eligible?

The eligibility requirements for Indiana Aged & Disabled Medicaid Waiver program are:

 

● You need to be a resident of Indiana

● You should be aged, blind, or otherwise disabled

● You should agree to live in approved care residences instead of nursing facilities

● You should qualify for institutional care that is provided at a nursing home

●    You should have a monthly income limited to $2,250 or/and countable assets limited to $2,000 as a single applicants

Is there rent assistance in Indiana?

Yes, there are rent assistance programs in Indiana. The Indiana Emergency Rental Assistance (IERA) program may provide up to 12 months of rent assistance for apartments or housing to eligible individuals in Indiana.

Financial Options for Assisted Living in Indiana

There are a variety of programs and options for financial assistance regarding senior living apartments or facilities in the state of Indiana. We are discussing some basic options below.

Medicaid

Though Indiana’s Medicaid program doesn’t cover assisted living costs, there is a waiver program for the same. The program is called “Indiana’s Aged & Disabled Medicaid Waiver.” The waiver program has a cap of 13,000 people at one time.

Life Insurance

Some adult seniors access their insurance benefits early for paying for their long-term care. You should consider the long-term impacts of the same before you access the benefit early in such cases.

Reverse Mortgages

Reverse mortgages are loans taken by homeowners against the value of the house. Many use this method for paying for residential care or other senior living facilities.

Aid and Attendance

Eligible Veterans and their spouses get a monthly payment which they can use for paying for long-term care. These benefits are paid in addition to one’s monthly VA pension.

Long-Term Care Ombudsman Program

The Long-Term Care Ombudsman Program advocates for residents of state-run nursing homes and other licensed senior care residences.

Long-Term Care Insurance

Seniors who have an existing policy can avail the benefits of a long-term care policy. It covers their long-term care expenses. Long term care policy is a type of insurance, and the details of each policy may vary with each provider.

 

Two Hearts, located very close to Indianapolis. Our trained staff understands the varied preferences of the residents. Feel free to give us a call at our phone number +1 21960 02200 to know more about us, or take a 2 to 3-hour drive following the map from Indianapolis to our location. We are located at 18220 Clark Street, Lowell, IN 46356.