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According to data from&nbsp;Genworth’s&nbsp;<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">2018 Cost of Care study</a>, Waverly is one of the most expensive cities for assisted living in this area of New York, with monthly costs&nbsp;of $5,710. Costs here are well above the state average of $4,185 and nearly $500 more than in nearby Binghamton&nbsp;($5,270). Farther away, costs drop significantly. To the east in Kingston ($4,100), assisted living costs average&nbsp;over $1,600 less per month. To the north in Syracuse, costs are $4,185.&nbsp;Only the metropolitan New York area, which encompasses New York City, Newark and Jersey City, NJ, has a higher average monthly cost at $5,916. Note: The study didn’t include&nbsp;senior care cost data specifically for Waverly, so data for the closest city, Elmira, was used.

Assisted Living Costs in Waverly

The Cost of Assisted Living in Surrounding Areas

The cost of senior care in Waverly varies greatly according to the type of care, with nearly $10,000 a month&nbsp;separating nursing home care ($11,682) and adult day health&nbsp;care ($2,015). While in-home&nbsp;assistance options such as homemaker services ($4,814) and home health aides ($5,053) cost less than residential alternatives such as assisted living ($5,710), seniors should also factor in the monthly expenses incurred when staying in their home, including mortgage or rent payments, upkeep, food and utility bills.&nbsp;

Care Cost Comparison

Senior Care Cost Comparison Chart

Financial Assistance for Assisted Living in Waverly

State Supplement Program For&nbsp;seniors currently living in residential care communities and receiving&nbsp;SSI, supplemental financial aid may be available through&nbsp;the <a href="https://otda.ny.gov/programs/ssp/#benefits" target="_blank" data-mce-href="https://otda.ny.gov/programs/ssp/#benefits" rel="noopener noreferrer">State Supplement program</a>. Qualified individuals in assisted living facilities may receive up to $435 per&nbsp;month, while married couples may qualify for up to&nbsp;$1,255. If approved, the state-funded SSP&nbsp;payment is added onto the recipient’s monthly&nbsp;federal SSI&nbsp;benefit&nbsp;and can be put toward assisted living&nbsp;room and board costs. To learn more about this benefit,&nbsp;interested Waverly seniors can contact the&nbsp;<a href="https://www.ssa.gov/" target="_blank" data-mce-href="https://www.ssa.gov/" rel="noopener noreferrer">Social Security Administration</a>&nbsp;office&nbsp;in Horseheads at (866)&nbsp;964-1715.&nbsp; VA Aid and Attendance Benefits Veterans or their surviving spouses age 65 and older may qualify for a VA pension top-up through the federal&nbsp;<a href="https://www.benefits.va.gov/pension/aid_attendance_housebound.asp" target="_blank" data-mce-href="https://www.benefits.va.gov/pension/aid_attendance_housebound.asp" rel="noopener noreferrer"> Aid and Attendance program</a>&nbsp;to help offset assisted living expenses. To qualify, applicants&nbsp;must meet at least one&nbsp;of&nbsp;the following criteria: 
<li>Be legally blind</li>
<li>Require&nbsp;regular assistance with activities of daily living</li>
<li>Be&nbsp;primarily bedbound</li>
<li>Reside&nbsp;in a nursing home due to diminished physical or mental capabilities</li>
 Veterans who receive a VA disability pension are&nbsp;excluded from the program. The Aid and Attendance benefit program has complex eligibility requirements, and individuals&nbsp;are encouraged to reach out to the <a href="https://www.va.gov/find-locations/facility/vc_0137V" target="_blank" data-mce-href="https://www.va.gov/find-locations/facility/vc_0137V" rel="noopener noreferrer">Binghamton&nbsp;Vet Center</a>&nbsp;at&nbsp;(607) 722-2393 for assistance&nbsp;when applying.&nbsp; Assisted Living Bridge Loan Seniors seeking a short-term source of financing when entering an assisted living facility may benefit from a bridge loan to fund an initial monthly payment or moving expenses. Applications, which may include up to six borrowers for a single loan, are generally processed quickly and focus less on individual creditworthiness than traditional personal loans. Applicants&nbsp;are expected to secure permanent funding, and this information may be required during the application process. Upon approval, recipients can choose a lump-sum&nbsp;distribution or line of credit. Contact&nbsp;<a href="https://elderlifefinancial.com/" target="_blank" data-mce-href="https://elderlifefinancial.com/" rel="noopener noreferrer">Elderlife&nbsp;Financial Services</a>&nbsp;at (888) 228-4500 for additional information or to apply.&nbsp;

Other Financial Assistance Programs for Assisted Living

The average cost of assisted living in the city is $5,710 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 Waverly and several in surrounding areas. The Cost of Senior Care in Waverly, NY<ul><li>Assisted Living: $5,710</li><li>Nursing Home Care: $11,682</li><li>In-home Care: $4,814</li><li>Adult Day Health Services: $2,015</li></ul>

Assisted Living in Waverly, NY

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Low-income New York seniors may qualify for health care benefits through the nationwide&nbsp;Medicaid program, funded by the federal and state governments.&nbsp;<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">The New York Medicaid state plan</a> offers comprehensive benefits similar to those of standard health plans, including visits to a primary care physician for preventive and acute care, inpatient hospital stays, ambulance&nbsp;services and nursing home programs. The state&nbsp;plan’s eligibility guidelines include strict income limits of&nbsp;$859 per month&nbsp;for single applicants and $1,267 for married couples. Assets are limited to a maximum of&nbsp;$15,450 for individuals and $22,800 for couples. All sources of income are&nbsp;considered, while some assets are exempt such as a primary home, furniture, personal effects and one vehicle.&nbsp; For seniors who incur&nbsp;significant medical expenses but have too high an income to&nbsp;qualify,&nbsp;the&nbsp;<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>&nbsp;may offer a way to deduct medical expenses and reduce&nbsp;their income to the required limit.&nbsp; Assisted Living Program The&nbsp;<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">Assisted Living&nbsp;program</a>&nbsp;is available to Medicaid-qualified&nbsp;seniors who are eligible for nursing home placement but can safely&nbsp;live at home or in an assisted living setting with support. The ALP covers the cost of room and board, case management by a registered nurse and services such as skilled nursing, personal care, physical or speech therapy, medical equipment and a personal emergency&nbsp;alert system.&nbsp; An initial assessment is required to determine an applicant’s medical and care needs.&nbsp;To qualify, a senior can’t be bedbound or require continual nursing care. The program is limited to 4,200 residents across the state, so qualified applicants may be put on a waiting list.&nbsp; To apply for Medicaid benefits or the Assisted Living program,&nbsp;seniors can visit the&nbsp;<a href="http://www.tiogacountyny.com/departments/social-services/" target="_blank" data-mce-href="http://www.tiogacountyny.com/departments/social-services/" rel="noopener noreferrer">Tioga&nbsp;County Department of Social Services</a>&nbsp;in nearby Owego or call&nbsp;(607) 687-8300 for more information. A Medicaid helpline is also available at (800) 541-2831.

Medicaid in New York

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The Binghamton&nbsp;Vet Center&nbsp;serves area veterans and their families, providing individual and family counseling services, substance abuse assessment&nbsp;and information about eligible benefits and relevant community resources. For Waverly veterans with medical needs, the VA outpatient clinic&nbsp;in nearby Sayre, PA, offers&nbsp;primary care, specialty care and mental health services. Veterans who served in foreign wars can find community and support through Waverly’s chapter of the VFW, which meets the fourth Monday of every month at 6:00 PM.

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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.

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Welcome to Elizabeth Square Apartments! Elizabeth Square Apartments is a subsidized, six story Apartment Complex catering to those over the age of 62, disabled or handicapped. Here your independence is respected; residents live in dignity, in a congenial atmosphere with others with similar interests, exploring new hobbies, pursuits and habits of creativity.