1 Assisted Living Community in Talent, Oregon

The average cost of assisted living in the city is $4,624 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 1 Assisted Living Community in Talent and several in surrounding areas. The Cost of Senior Care in Talent, OR

• Assisted Living: $4,624
• Nursing Home Care: $9,529
• In-home Care: $4,576
• Adult Day Health Services: $1,625

According to Genworth’s 2018 Cost of Care study, assisted living in Talent, at $4,624, is significantly higher than the national average of $4,000 but only slightly higher than the state average of $4,593. Aside from Eugene ($4,025) and Albany ($4,210), assisted living in major cities across Oregon is close to, or slightly higher than, the state average.

Note: Information for assisted living in Talent was unavailable, so data for Medford, the closest city, was used.     

Cost of care is heavily dependent on a number of factors but in particular the level of care. In Talent, nursing home care is more than double the cost of assisted living, homemaker services and home health aides. Yet nursing home care is also the most comprehensive, full-spectrum type of care available. At the same time, the difference between assisted living and in-home care is negligible, so when determining which level of care is most appropriate remember to include the costs associated with remaining at home (such as rent, upkeep, utilities and food) into overall care costs. Assisted living typically includes these costs, while in-home care services do not.    

 

Medicaid, a state and federally funded medical assistance program for low-income individuals, is available to Oregon residents of all ages. Called Oregon Health Plan, Medicaid covers a variety of services, such as medical care, equipment, supplies and medical transportation. However, most of the long-term care options, including assisted living, are available through the Community First Choice program, described below.

To qualify for Medicaid in Oregon, individuals must earn no more than $2,313 per month and possess no more than $2,000 in assets (couples, $4,626 per month and $4,000 in assets). All income is considered in meeting financial eligibility requirements. This includes wages, Social Security or Social Security Disability Income, IRA withdrawals, pension payments and stock dividends. Assets are similarly considered; however, some assets are exempt. These include a primary residence (valued at $585,000 or less in which the applicant, couple or applicant’s spouse reside), one automobile, irrevocable burial trusts, term life insurance, household furnishings and personal effects, such as jewelry.

Oregon seniors 65 and older who meet Medicaid eligibility requirements but wish to receive benefits in their community or homes may be eligible for the Community First Choice program, or K Plan. This program is for seniors who qualify for a nursing-facility level of care and need assistance with activities of daily living, such as grooming, dressing, bathing, meal preparation and grocery shopping. Recipients also receive additional supports, such as transportation, home modifications and medical equipment.

To learn more about Oregon Health Plan or the K Plan, contact the local Medford Social Security office at (866) 405-6042 or the Aging and Disability Resource Connection of Oregon at (855) 673-2372.

Assisted Living Bridge Loans
Seniors who need financial support to pay for the transition to an assisted living facility may qualify for an assisted living bridge loan. These loans, which come in 12-month terms and can be taken as a line of credit or lump-sum payment, are easily applied for over the phone. Funds are typically available within 24 hours, and in some instances, funds can be sent directly to the facility. These loans can help cover the gap between a move-in and distribution of benefits. They’re also helpful for those needing more time to sell a home. To learn more about assisted living bridge loans, contact Elderlife Financial at (888) 228-4500.

Veterans Aid and Attendance and Housebound Benefits
Senior veterans and their survivors who qualify for a regular veteran pension may also be eligible for Aid and Attendance or Housebound benefits. These benefits are in addition to regular pension payments, and applicants may receive only one at a time, even if the criteria for both are met. Veterans whose incomes preclude them from receiving regular pension payments may still qualify for these top-up benefits.  

Aid and Attendance benefits are available for those who meet one of the following criteria:

• Patient in a nursing home due to a physical or mental disability

• Eyesight limited to 5/200 corrected vision

• Require assistance with ADLs, such as feeding, bathing, dressing, grooming, elimination and mobility

• Bedridden as a result of one or more disabilities

Housebound benefits are available for those who are substantially confined to their homes because of a permanent disability.

For more information about Aid and Attendance or Housebound benefits, contact either the Portland Regional Benefits Office at (800) 827-1000 or write to the VA Pension Management Center serving Oregon.   

The Rogue Valley Council of Governments is the local AAA for seniors living in Talent, Oregon. They offer information and support services for seniors, including meals on wheels and congregant meals, available at the 12 local senior dining sites. Ongoing workshops are available for those living with chronic conditions, and caregivers can find emotional and practical support here. Oregon Project Independence, which brings seniors in-home care and support services, runs out of the RVCG. Seniors and their loved ones can also find information about home and community-based care options at the RVCG. Rogue Valley Council of Governments 
155 N 1st St., Central Point, OR 97502
(541) 664-6674

Senior Homes has an extensive directory of senior living options, with care and living providers across the United States.