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According to <a href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" target="_blank" data-mce-href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" rel="noopener noreferrer">Genworth’s 2018 Cost of Care study</a>, assisted living in Niagara Falls is relatively affordable at $3,895 per month. This is lower than both the state ($4,185) and national ($4,000) averages. The cost of assisted living varies significantly throughout New York State. Unsurprisingly, the New York City area is home to the most expensive care, at $5,916 per month. Elmira is only slightly more affordable at $5,710 per month. The least expensive assisted living in the state is found in Glens Falls, where seniors pay just $2,600 per month. Note: Senior care cost data was not available for Niagara Falls. Data for Buffalo, the closest city, has been used.

Assisted Living Costs in Niagara Falls

The Cost of Assisted Living in Surrounding Areas

Senior care costs vary depending on many factors, including the type of care. Assisted living in Niagara Falls costs an average of $3,895 per month, while seniors who require a nursing home level of care can expect to pay nearly three times this amount. Seniors who wish to remain in their own homes may consider homemaker services or home health aides, at $4,385 and $4,690, respectively. Both are more expensive than assisted living, and it’s important to remember that these prices only include care. Other costs involved with staying at home may include rent, mortgage payments, maintenance or food, depending on a senior’s situation.

Care Cost Comparison

Senior Care Cost Comparison Chart

Financial Assistance for Assisted Living in Niagara Falls

New York State Supplement Program Niagara Falls seniors may be eligible to receive monthly cash assistance through the <a href="https://otda.ny.gov/programs/ssp/" target="_blank" data-mce-href="https://otda.ny.gov/programs/ssp/" rel="noopener noreferrer">New York State Supplement Program</a>. The maximum monthly SPP allowance for seniors in assisted living is $405. Those who earn other income receive a lower&nbsp;monthly benefit amount. To be eligible for this monthly funding, Niagara Falls seniors must be 65 or older and either citizens or qualified aliens. In addition, they need to have limited income and resources. To receive&nbsp;SSP, contact the Social Security Administration&nbsp;to apply for federal Supplemental Security Income&nbsp;benefits. This application is shared with New York State, which determines eligibility for SSP. You can apply for SSI by contacting your local Social Security Office or by phoning (800) 772-1213. Assisted Living Bridge Loans Some seniors may only need short-term funding to pay for assisted living. These people may want to consider Elderlife Financial&nbsp;bridge loans. These loans have terms of <a href="https://elderlifefinancial.com/calculate-affordable-payments/" target="_blank" data-mce-href="https://elderlifefinancial.com/calculate-affordable-payments/" rel="noopener noreferrer">up to 18 months</a>, and they are usually offered as a line of credit. Each month, seniors choose how much money to withdraw, and Elderlife Financial sends that money directly to the assisted living facility. The loan may also be provided as a lump sum. Seniors who are interested in this funding source can complete an <a href="https://elderlifefinancial.com/loc/" target="_blank" data-mce-href="https://elderlifefinancial.com/loc/" rel="noopener noreferrer">online bridge loan application</a>. To complete the application, seniors need to provide the name of the assisted living facility where they plan to live as well as the monthly cost of care. Elderlife Financial also asks seniors how they will pay back the bridge loan. Seniors may plan to repay the loan through a home sale or financial asset liquidation. To learn more about assisted living bridge loans or to apply over the phone, call (888) 228-4500.

Other Financial Assistance Programs for Assisted Living

The average cost of assisted living in the city is $3,895 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on {enhancedSearch.regionCount} {tensing(Assisted Living Community | Assisted Living Communities | {enhancedSearch.regionCount})}in Niagara Falls and several in surrounding areas. The Cost of Senior Care in Niagara Falls, NY<ul><li>Assisted Living: $3,895</li><li>Nursing Home Care: $11,285</li><li>In-Home Care: $4,385</li><li>Adult Day Health Services: $1,083</li></ul>

Assisted Living in Niagara Falls, NY

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Assisted Living Articles and Resources

Medicaid is a government-sponsored program that helps low-income people access the healthcare they need. Seniors, children and pregnant women are some of the groups that Medicaid assists. While the federal government contributes to the cost of Medicaid, each state runs its own program. New York Medicaid covers many services, including: <ul>
<li>Doctor visits</li>
<li>Medical supplies</li>
<li>Medical equipment, such as wheelchairs</li>
<li>Emergency care</li>
<li>Nursing home care</li>
<li>Hospital stays</li>
</ul> New York Medicaid may also help pay for assisted living care through two programs: the Assisted Living Program and the Managed Long-Term Care Program. Niagara Falls residents may qualify for New York Medicaid if they are U.S. citizens, U.S. nationals or people with an approved immigration status. Household income is also considered when <a href="https://www.benefits.gov/benefit/1637" target="_blank" data-mce-href="https://www.benefits.gov/benefit/1637" rel="noopener noreferrer">determining eligibility</a> for Medicaid. Single seniors may qualify if they earn less than $15,800 per year before taxes. For two-person households, the yearly income limit is $21,307. For seniors, there is also a <a href="https://www.health.ny.gov/health_care/medicaid/" target="_blank" data-mce-href="https://www.health.ny.gov/health_care/medicaid/" rel="noopener noreferrer">resource test</a>. To be eligible for Medicaid, a senior needs to have less than $2,000 in resources ($3,000 for couples). A home, car and personal property aren’t counted as resources. Some of the assets that are counted toward these limits include: <ul>
<li>Cash</li>
<li>Bank account balances</li>
<li>Stock portfolios</li>
<li>Vacation homes</li>
<li>Life insurance policies</li>
</ul> People who don’t have a low income and limited resources may qualify for the <a href="https://www.health.ny.gov/health_care/medicaid/excess_income.htm" target="_blank" data-mce-href="https://www.health.ny.gov/health_care/medicaid/excess_income.htm" rel="noopener noreferrer">Medicaid Excess Income Program</a>. This program, also known as a spend-down, can be helpful for people with high medical bills. Participants use their surplus income to pay for their own medical bills, and if they spend enough to reach the Medicaid income limit, Medicaid kicks in and pays for the rest. Participants who need medical care but don’t have any medical bills can pay their surplus income directly to the Department of Social Services. To apply for Medicaid online, visit the <a href="https://info.nystateofhealth.ny.gov/" target="_blank" data-mce-href="https://info.nystateofhealth.ny.gov/" rel="noopener noreferrer">New York State of Health</a> website. To apply over the phone, call the Medicaid helpline at (800) 541-2831. Assisted Living Program <a href="https://www.health.ny.gov/health_care/medicaid/program/longterm/alps.htm" target="_blank" data-mce-href="https://www.health.ny.gov/health_care/medicaid/program/longterm/alps.htm" rel="noopener noreferrer">New York’s Assisted Living Program</a>&nbsp;provides a variety of services to participants. These services include personal care, supervision, housekeeping, physical therapy and occupational therapy. Seniors may also receive assistance paying for room and board. To participate in the ALP, seniors need to be medically eligible to live in a nursing home. They must be able to live safely in an assisted living facility and not be bedbound or in need of continuous nursing care. While the majority of participants in this program are Medicaid recipients, private payers are also eligible. Seniors who are interested in these services can contact the ALP directly. Participants receiving Medicaid must also contact <a href="http://www.niagaracounty.com/socialservices/" target="_blank" data-mce-href="http://www.niagaracounty.com/socialservices/" rel="noopener noreferrer">Niagara County Social Services</a> to have ALP services approved. This department can be reached at (716) 278-8400. Managed Long-Term Care The <a href="https://www.health.ny.gov/health_care/managed_care/mltc/" target="_blank" data-mce-href="https://www.health.ny.gov/health_care/managed_care/mltc/" rel="noopener noreferrer">Managed Long-Term Care&nbsp;</a>program may help seniors pay for assisted living and other long-term care options. There are <a href="https://www.health.ny.gov/health_care/medicaid/redesign/docs/mltc_guide_e.pdf" target="_blank" data-mce-href="https://www.health.ny.gov/health_care/medicaid/redesign/docs/mltc_guide_e.pdf" rel="noopener noreferrer">three different&nbsp;plans</a>: MLTC Medicaid Plus, Medicaid Advantage Plus and Program of All-Inclusive Care for the Elderly. The first plan only provides Medicaid services while Medicaid Advantage Plus and PACE provide both Medicaid and Medicare services. Some of the services provided by these plans include: <ul>
<li>Home health services</li>
<li>Personal care</li>
<li>Adult day health care</li>
<li>Nursing home care</li>
<li>Transportation to medical appointments</li>
</ul> Membership in the MLTC program is mandatory for seniors who are dual-eligible for Medicaid and Medicare and will receive long-term care for at least four months. Seniors who are enrolled in the ALP, which was described in detail above, cannot join the MLTC. To learn more about MLTC&nbsp;or to join, call New York Medicaid Choice at (888) 401-6582.

Medicaid in New York

{tensing(Detailed profile of {enhancedSearch.regionCount} Assisted Living Facility | Detailed profiles of {enhancedSearch.regionCount} Assisted Living Facilities | {enhancedSearch.regionCount})}in Niagara Falls, NY. Average cost is 3750 per month.  Reviews, ratings, costs, pictures, amenities, and more.

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Assisted Living Resources in Niagara Falls

The AAA provides information and assistance to seniors who live in Niagara County. Seniors can visit the AAA to receive counseling&nbsp;on financial, health insurance or housing matters. They can also receive referrals to community resources through the AAA.

Area Agency on Aging

Niagara Falls’&nbsp;many senior centers give seniors the opportunity to have fun and make new friends. Seniors can participate in exercise classes, such as aerobics and tai&nbsp;chi or attend social events such as dances. Senior centers also offer educational programming, and seniors can learn more about financial planning, nutrition, computer skills and other subjects.

Senior Centers

Seniors can contact the Niagara Falls Social Security Office to learn more about their&nbsp;eligibility&nbsp;for Social Security benefits. They can visit this office to apply for benefits in person. If they’ve&nbsp;lost their Social Security card, this office can help get a new one.

Social Security Offices

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An explanation of retirement living costs. Visit to learn more about finding the right retirement community or to find a retirement community near you.

Discover the typical cost of living in a retirement community, what&#39;s included in the cost of a retirement communities and what to expect in various types of retirement communities.

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An article defining Activities of Daily Living. Learn more about Senior Care by browsing our library of insightful articles or find senior care using our comprehensive directory.

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An article explaining what PACE Programs are. Learn more about PACE Programs or search our nationwide directory to find home care near you.

The Program of All-Inclusive Care for the Elderly (PACE) combines all the services offered by Medicare and Medicaid. Learn more about the program, eligibility, and how to apply for PACE.

PACE Programs: Programs of All-Inclusive Care for the Elderly

As the population ages and Baby Boomers face the realities of paying for care for their parents and for themselves, it becomes clear that the biggest hurdle to senior care is paying for it.

Learn about the cost of long-term care and ways you can pay for care, including Medicaid, VA benefits and the PACE program, in this guide for older adults.

Paying for Long-Term Care: How to Overcome this Costly Hurdle to Safeguard Your Future

Paying for Long-Term Care: An Overview

Learn about tips for senior downsizing, how to make the downsizing process as easy as possible, and senior downsizing options.

From saving money to avoiding household chores, there are dozens of great reasons to downsize. Read our free guide for tips on navigating the process.

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For seniors coping with dementia, one of the greatest frustrations is the inability to do those things they once loved. Activities and hobbies that used to be second nature might start to feel fuzzy or distant. This harsh reality can be discouraging for the person suffering from dementia, as well as the friend or loved one who is trying to engage them.

Learn about the benefits of activities for people with dementia and find a list of dementia-friendly things to do in this comprehensive guide.

Activities To Do With Seniors Who Have Dementia

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Conveniently located, just off of Route 62 in Niagara Falls, New York, Elderwood Residences at Wheatfield offers the best in active independent living.

Founded in 1978, Elderwood is now the largest network of independent living, assisted living rehabilitation and skilled nursing communities in Western New York State. Comprised of 17 facilities, 2,800 beds and 4,000 employees, Elderwood is highly regarded by the hospitals and physician groups in the community near each of our locations.

<h2>Featured Amenities</h2>

Our community includes wondrous hotel-style amenities surrounded by meticulously landscaped grounds while maintaining the comfort, support and coziness of home. Offering an assortment of smartly designed and well-lit studios, one- and two bedroom private apartments, you have plenty of personal space to decorate with your treasured belongings. Elderwood independent living communities offer modern kitchens and appliances, while assisted living options include smaller kitchenettes for your convenience.

While you will always have the option to prepare a meal in your home, each and every day, our trained culinary staff prepares delicious meals served in a restaurant-style dining room. Better yet, we take care of the cleanup, so you don&#39;t have to, leaving you free to enjoy social events and activities as you please.

<h2>Available Services</h2>

Elderwood Residences at Wheatfield includes numerous safety features, such as an emergency call system and fire alarms for your security. Moreover, our friendly and compassionate staff is available to respond to needs and requests as needed, and if a time comes to pass when more care is necessary, you have ready access to the Elderwood&#39;s continuum of care network with services just next door.

Elderwood assisted living communities are there to assist with those who require more support with activities of daily living. Our nurse-supervised caregivers are available around the clock to respond to requests for assistance. Whether you need help with bathing, dressing, medications or other personal needs we are there for you.

We welcome you to visit us at Elderwood Residences at Wheatfield and see how we can help you thrive throughout your senior years.

Elderwood Residences at Wheatfield

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<a href='/senior-living/continuing-care-retirement-communities/new-york/niagara-falls'>Continuing Care Communities</a>, <a href='/senior-living/nursing-homes/new-york/niagara-falls'>Nursing Homes</a>, and <a href='/senior-living/assisted-living/new-york/niagara-falls'>Assisted Living</a>