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 the best 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 to avail a senior housing, especially in Indiana..

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. Once 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. Hence, 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 housing or a senior living community in Indiana.

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. At the same time, 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.

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 in a memory care facility are trained to assist patients on caring for someone 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 and provide low income senior housing 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 while enjoying things on what to do after retirement. 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.

What is a Residential Care Home?

Often known as group homes for seniors 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 Lowell assisted living location is at 18220 Clark Street, Lowell, IN 46356, which is about a 2 to 3-hour drive from Indianapolis on the map. Additionally, the new Crown Point Assisted Living is at 1600 S Feather Rock Dr, Crown Point, IN 46307. 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 queries. We would love to welcome you to our senior living community.

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:

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 senior citizen apartment living 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.

Our assisted living in Lowell is located at 18220 Clark Street, Lowell, IN 46356 and our new assisted living in Crown Point is at 1600 S Feather Rock Dr, Crown Point, IN 46307. 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?

In the United States, every state has its own specific criteria that must be met when considering entrance into an assisted living community. In Indiana, to gain admission to senior living communities or apartments, one must meet the following prerequisites:

• Reside locally within the state of Indiana.
• Possess sound mental health.
• Exhibit functional capability, being able to independently perform a minimum of three daily living activities, including tasks such as eating, toileting, and moving without requiring complete assistance.

Likewise, if you are seeking to reside in a senior care community, you should not:

Furthermore, when considering to reside in a senior care community, it’s important to ensure that you do not meet the following criteria:

• Pose a risk to yourself or others.
• Need 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, renting and senior housing more accessible to low income residents in Indiana 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.

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:

• Residency in Indiana is required.
• An applicant must be aged, blind, or meet other disability criteria.
• Agreement to reside in approved care settings rather than nursing facilities is necessary.
• Qualification for institutional care typically provided in a nursing home is needed.
• Monthly income should not exceed $2,250, and/or countable assets must be limited to $2,000 for single applicants.

Is there rent assistance in Indiana?

Yes, there are rent assistance programs in Indiana to help low income seniors avail an affordable senior housing. 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 housing or living facilities in the state of Indiana to help those low income seniors. 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, and choose our assisted living communities for your loved ones.