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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.

The Cost of Living in a Retirement Community

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.

Learn about activities of daily living, how ADLs are assessed and what the results can mean if you&#39;re considering long-term care for yourself or a loved one.

A Primer on the Activities of Daily Living (ADLs)

A brief overview of veterans benefits, what they offer, and how to learn more about them.

Some veteran benefits can help with assisted living costs. Discover which ones can, how to apply and how to find the ideal assisted living community for your loved one.

Veterans Benefits: A Brief Overview

Veterans Benefits

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Learn about long-term care insurance for seniors, what services are covered, who is eligible, its benefits, how to sign up, and viable alternatives to this policy.

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Life insurance can be a powerful financial retirement tool if used properly. Learn how.

A life settlement from life insurance provides financial freedom for retirees. Discover how life settlements work, how much you&rsquo;ll get, eligibility requirements, and more.

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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.

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Paying for Long-Term Care: An Overview

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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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<a href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" rel="noopener noreferrer" target="_blank">Assisted living costs</a> an average of $4,500 per month in Torrance, which is $500 higher than the $4,000 paid nationally but right on par with the state median rate and&nbsp;costs in San Diego ($4,500).

Most cities in this region of California are more expensive, including Oxnard ($4,575), Santa Maria ($4,825) and San Luis Obispo ($5,450). Only two cities have lower assisted living costs, Riverside ($3,500) and Bakersfield, where the average price is only $3,150 per month.

Note: Torrance senior care cost data wasn&rsquo;t available, so data&nbsp;for metropolitan&nbsp;Los Angeles&nbsp;was used instead.

Assisted Living Costs in Torrance

The Cost of Assisted Living in Surrounding Areas

The category of care, total service hours and residence are three major factors affecting the cost of senior care in Torrance. At $7,604 per month, nursing home care costs over $3,100 more than the $4,500 average paid for assisted living. This extra expense is largely due to the 24/7 skilled nursing services provided in&nbsp;institutional&nbsp;facilities. Seniors receiving in-home care from homemakers and home health aides pay an average of $4,767 each month, which is about $250 more than the rate for assisted living. While this may seem a small hike in cost, the true price gap may be much wider when the room and board included with assisted living is considered. At-home rates only reflect the total service hours of care provided, and seniors still have to pay for groceries, utilities, maintenance and other household expenses.

Care Cost Comparison

Senior Care Cost Comparison Chart

Financial Assistance for Assisted Living in Torrance

Program for All-Inclusive Care for the Elderly 
 
The <a href="https://www.dhcs.ca.gov/provgovpart/Pages/PACE.aspx" rel="noopener noreferrer" target="_blank">PACE</a>&nbsp;program provides comprehensive managed medical and long-term care services to California seniors aged 55 and older who&rsquo;ve been assessed as needing a nursing home level of care. Those who enroll are evaluated by the program&rsquo;s interdisciplinary team, and a personalized plan is developed to meet their care needs. Each participant receives complete medical care, case management and support services that may include:

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<ul>
	<li>Social services</li>
	<li>Personal care</li>
	<li>Assistance with activities of daily living</li>
	<li>Prescription and nonprescription medications</li>
	<li>Dental, optometry and podiatry services</li>
	<li>Recreational and social therapy</li>
	<li>Occupational, physical and speech therapy</li>
	<li>Medical supplies and equipment</li>
	<li>Transportation to medical appointments</li>
	 
	 
	 
	&nbsp;
	<li>The PACE program doesn&rsquo;t pay for room and board or services provided by an assisted living facility. Seniors eligible for or enrolled in full-scope Medi-Cal can receive PACE services at no cost, and signing up for the program may help some seniors reduce their overall cost of care. 
	 
	AltaMed is the PACE provider in Los Angeles County, and although Torrance isn&rsquo;t within the agency&rsquo;s service area, local seniors may apply if they&rsquo;re willing to relocate to a nearby community where the program is available. 
	 
	To learn more or apply for the program, seniors should contact <a href="https://www.altamed.org/PACE" rel="noopener noreferrer" target="_blank">AltaMed PACE</a> at (855) 252-7223. 
	 
	State Supplemental Payment 
	 
	Seniors in Torrance eligible for SSI and not living in a public institution may be entitled to an additional monthly cash benefit through the <a href="http://www.cdss.ca.gov/Portals/9/CCLD/EM/2019_ssi-ssp.pdf" rel="noopener noreferrer" target="_blank">State Supplemental Payment</a>&nbsp;program. The benefit amount received depends on an applicant&rsquo;s marital status, income and living situation. Those residing in assisted living facilities may be eligible for a maximum combined federal and state payment of $1,194.37 if single or $2,388.74 if a married couple. 
	 
	To apply for SSI and SSP benefits, Torrance seniors can contact the&nbsp;<a href="https://www.ssa.gov/" rel="noopener noreferrer" target="_blank">Social Security Administration</a>&nbsp;at (800) 772-1213.</li>
</ul>

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Other Financial Assistance Programs for Assisted Living

The average cost of assisted living in the city is $4,500 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 7 Assisted Living Communities in Torrance and several in surrounding areas. The Cost of Senior Care in Torrance, CA<ul><li>Assisted Living: $4,500</li><li>Nursing Home Care: $7,604</li><li>In-home Care: $4,767</li><li>Adult Day Health Services: $1,565</li></ul>

Assisted Living in Torrance, CA

Assisted Living Articles and Resources

<a href="https://www.medicaid.gov/medicaid/program-information/medicaid-and-chip-enrollment-data/report-highlights/index.html" rel="noopener noreferrer" target="_blank">Over 65 million</a> Americans who can&rsquo;t afford basic health insurance receive vital coverage through&nbsp;<a href="https://www.medicaid.gov/" rel="noopener noreferrer" target="_blank">Medicaid</a>. This joint initiative of the federal and individual state governments provides low-cost or free health care services for pregnant women, children and their parents, senior citizens and adults with disabilities. 
 
How to Qualify for California Medicaid 
 
Torrance seniors aged 65 and older and adults who are blind or disabled can receive full-scope coverage under the California state Medicaid plan known as&nbsp;<a href="https://www.coveredca.com/medi-cal/" rel="noopener noreferrer" target="_blank">Medi-Cal</a>&nbsp;if they&rsquo;re American citizens or legal immigrants and have:

&nbsp;

&nbsp;

<ul>
	<li>$1,242 or less of income per month and $2,000 or less in countable resources if single</li>
	<li>$1,682 or less in monthly income and $3,000 or less in combined countable assets if married and applying with a spouse</li>
</ul>

&nbsp;
 
Medi-Cal counts income from all sources toward the eligibility limits, including wages, VA pensions, Social Security and earnings on investments. While most assets are counted, several are exempt from the limits, including personal effects, one automobile, an owner-occupied primary home and household items. 
 
Torrance residents receiving or eligible for <a href="https://www.ssa.gov/ssi/" rel="noopener noreferrer" target="_blank">Supplemental Security Income </a>benefits are automatically enrolled in&nbsp;Medi-Cal with full-scope coverage. Applicants assessed as needing institutional nursing home care can qualify regardless of income if they meet the program&rsquo;s asset limits and other eligibility requirements. 
 
Qualifying Through a Share of Cost 
 
Disabled adults and seniors who meet Medi-Cal coverage criteria but exceed the income limit may become eligible through a <a href="https://www.sfdph.org/dph/files/CBHSdocs/BHISdocs/UserDoc/MediCalSOCFactSheet.pdf" rel="noopener noreferrer" target="_blank">share of cost</a>. This requires that an individual puts their over-limit income toward allowable medical and care expenses to reach the coverage threshold. 
 
Torrance residents can&nbsp;<a href="https://www.coveredca.com/apply/" rel="noopener noreferrer" target="_blank">apply for the Medi-Cal program online</a>&nbsp;or by calling<a href="https://www.coveredca.com/find-help/contact/" rel="noopener noreferrer" target="_blank">&nbsp;Covered California</a>&nbsp;at (800) 300-1506. 
 
Medi-Cal Assisted Living Waiver 
 
Medi-Cal only provides nursing home care as an entitlement, but it also offers an&nbsp;<a href="https://www.dhcs.ca.gov/services/ltc/pages/assistedlivingwaiver.aspx" rel="noopener noreferrer" target="_blank">Assisted Living waiver</a>&nbsp;that pays for support services provided in these facilities, although seniors must cover the cost of their room and board. 
 
Applicants must be aged 21 or older and eligible for full-scope Medi-Cal coverage with zero share of cost to qualify for the ALW. They must also be assessed as needing the level of care provided in a nursing home but physically and cognitively able to live in a community setting without any risk of harm. 
 
Participants in the ALW program may receive coverage for various support services, such as:


&nbsp;

&nbsp;

&nbsp;

&nbsp;

<ul>
	<li>Transitional aid to move back to the community from a nursing home</li>
	<li>Assistance with basic daily living activities, such as bathing, grooming, dressing and eating</li>
	<li>Intermittent skilled nursing care</li>
	<li>Daily meals and snacks</li>
	<li>Laundry and housekeeping services</li>
	<li>Social and recreational programming</li>
</ul>

&nbsp;
 
The ALW program is only available at <a href="https://www.dhcs.ca.gov/services/ltc/Documents/ListofRCFEfacilities09132019.pdf" rel="noopener noreferrer" target="_blank">participating, approved facilities</a> throughout Los Angeles and 14 other California counties. Because it&rsquo;s not a Medi-Cal entitlement program, enrollment in the&nbsp;ALW is capped. Given these limitations, qualified Torrance seniors who wish to apply may need to relocate to another community or spend time on a waiting list to receive waiver-covered services. 
 
To learn more about the ALW or start the assessment and application process, seniors can contact their choice of the 12 Medi-Cal-approved <a href="https://www.dhcs.ca.gov/services/ltc/Documents/Care-Coordination-Agencies-2019.pdf" rel="noopener noreferrer" target="_blank">Care Coordination Agencies</a> serving Los Angeles County.


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Medicaid in California

Detailed profiles of 7 Assisted Living Facilities in Torrance, CA. Reviews, ratings, costs, pictures, amenities, and more.

Torrance's Best Assisted Living Facilities for 2023

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Reviews of Torrance Assisted Living Facilities

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Welcome to Sweet Life Guest Home. Our inviting senior living community offers residents the comfort and convenience of a hassle-free lifestyle free from the burdens of home ownership. Located in the city of Harbor City, we provide a variety of on-site services to help our residents enjoy their stay to the fullest. In addition, we provide a choice amount of amenities to promote a relaxing experience for individuals residing at our community. Accommodations come in a selection of options. Depending on the individual, Sweet Life Guest Home could be the perfect fit for seniors seeking senior living options in or around Harbor City, CA.

Sweet Life Guest Home

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Welcome to Golden Seasons Home Care. Our inviting senior living community offers residents the comfort and convenience of a hassle-free lifestyle free from the burdens of home ownership. Located in the city of Torrance, we provide a variety of on-site services to help our residents enjoy their stay to the fullest. In addition, we provide a choice amount of amenities to promote a relaxing experience for individuals residing at our community. Accommodations come in a selection of options. Depending on the individual, Golden Seasons Home Care could be the perfect fit for seniors seeking senior living options in or around Torrance, CA.

Golden Seasons Home Care

Clearwater at South Bay, an Assisted Living, and Memory Care community, is all-encompassing of what it truly means to successfully age within an engaging environment. 

At Clearwater at South Bay, we leave no need unaddressed. Our attentive and dedicated associates are on hand to keep things beautiful and fresh. In-house chefs prepare seasonal goodness our residents can enjoy al fresco, in the restaurant-style dining room, or in the privacy of their one or two bedrooms senior living apartment. Residents can even consult with the chef to arrange a private catered lunch or dinner for friends or family. A sampling of our services and amenities includes:

<ul>
<li>Bistro </li>
<li>Full Salon & Barber Shop</li>
<li>Housekeeping & Laundry services</li>
<li>Movie Theater & Game Room</li>
<li>Wellness & Lifestyle Programs</li>
<li>Gourmet Dining & Catering</li>
<li>State-of-the-art Emergency Call System</li>
<li>24-hour professional care staff</li>
</ul>

Assisted living should make life simple and give you comfort. Our entire staff is committed to pursuing the highest quality of life for every resident. Staff is available 24-hours a day, so if you need assistance with escorting, eating, bathing, and incontinent care, medication management or dressing, we are here to help.

Memory Care residents are fully supported by compassionate care partners who understand the unique needs and limitations of those with Alzheimer's and other memory-loss illnesses. Our Clearbrook Memory Care community in Torrance is designed with secured areas and easy-to-navigate spaces which help residents retain their self-reliance and promote independence within their abilities. Our innovative approach and emphasis on community create an atmosphere where residents thrive in comfort and delight.

Clearwater at South Bay

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Welcome to Royal Palms Villa. Our inviting senior living community offers residents the comfort and convenience of a hassle-free lifestyle free from the burdens of home ownership. Located in the city of Torrance, we provide a variety of on-site services to help our residents enjoy their stay to the fullest. In addition, we provide a choice amount of amenities to promote a relaxing experience for individuals residing at our community. Accommodations come in a selection of options. Depending on the individual, Royal Palms Villa could be the perfect fit for seniors seeking senior living options in or around Torrance, CA.

Royal Palms Villa

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