Living Independence for the Elderly
Living Independence for the Elderly is a comprehensive managed care program for seniors who wish to age in place in the community rather than in a nursing facility.
Known nationally as the Program of All-Inclusive Care for the Elderly, Pennsylvania’s LIFE programs provide wraparound medical and nonmedical services, such as:
- Adult day health programming at the LIFE center
- Congregate and home delivered meals
- Optometry services and prescription glasses
- Emergency and primary medical care
- Medical supplies and equipment
- Transportation to the LIFE center
- All Medicaid-funded benefits
Most LIFE services are centralized at the local LIFE center, a multipurpose day center equipped with an outpatient medical clinic, therapy rooms, recreation spaces and a dining area.
To qualify for LIFE, seniors must be aged 55 or older, meet the clinical criteria for nursing home placement and be able to live safely in a noninstitutional setting with supports. LIFE is covered under Pennsylvania Medicaid, and seniors can also enroll on a private-pay basis or through their private insurance provider.
For more information contact the
Albright LIFE Center, the LIFE provider for Union County, at (570) 322-5433.
Optional State Supplementation The State provides low-income seniors with a cash benefit that can be used to help cover assisted living costs. To qualify for the
Optional State Supplement, seniors must be aged 65 or older, eligible for Supplemental Security Income and reside in a qualifying care facility.
Depending on your health care status and living situation, benefits can vary from $30 to $1,210.30 per month ($60 to $2,114.40 per couple).
For more information, contact the
Social Security Administration at (800) 772-1213.
Elderlife Financial Assisted Living Bridge Loan Seniors who are selling their home, liquidating investments or waiting for benefits to cover their assisted living costs may qualify for an Assisted Living Bridge Loan.
Offered through Elderlife Financial, a bridge loan is a short-term finance solution that provides qualified seniors with access to funds to cover assisted living move-in fees and monthly costs. The loan is set up like a line of credit, therefore, interest is only charged on the money used rather than the preapproved amount.
Applicants need to have a good credit score, and up to six people can be listed on the loan. There are no fees to apply and the application can be completed online or over the phone in about 15 minutes. Seniors who are approved can usually access the funds within 24 hours, and money from the bridge loan can be sent directly to the assisted living facility.
For more information contact
Elderlife Financial at (888) 228-4500.