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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.

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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

Learn more about the pros and cons of buying long-term insurance and how to use it to pay for senior care.

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.

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.

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memory-care

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.

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Costs at Elzaida'S Tender Care

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According to <a href="https://www.genworth.com/aging-and-you/finances/cost-of-care.html" rel="noopener noreferrer" target="_blank">Genworth&rsquo;s&nbsp;2018 Cost of Care</a>&nbsp;study, costs for assisted living in Clearwater&nbsp;are lower than the national average of $4,000 and similar to the state average of $3,500. Costs for assisted living in Florida vary widely, with assisted living in nearby Lakeland&nbsp;being lower ($2,808),&nbsp;while costs are&nbsp;more expensive in Homosassa Springs ($4,125) and The Villages ($5,031).&nbsp;

Note: Senior care cost data wasn&rsquo;t available for Clearwater, so data for the closest city, Tampa, was used.&nbsp;

Assisted Living Costs in Clearwater

Cost of Assisted Living Comparison Chart

Senior care costs are largely based on the level of care needed, the services that are included and the location. In Clearwater,&nbsp;nursing home care is more than twice the cost of assisted living and home care. Both homemaker and home health aide services are more costly than assisted living. When comparing the costs of all types of care, it’s important to consider expenses that are not included with in-home services such as rent, utilities, food and home maintenance.&nbsp; Cost of Homemaker/Home Health Aide Comparison Chart 
<li>Assisted living: $3,250</li>
<li>Homemaker services: $3,718</li>
<li>Home health aide: $4,096</li>
<li>Adult day health: $1,907</li>
<li>Nursing home care (semiprivate room): $8,319</li>

Care Cost Comparison

Cost of Homemaker/Home Health Aide Comparison Chart

Financial Assistance for Assisted Living in Clearwater

Optional State Supplementation 
 
Low-income Florida seniors who reside in a licensed assisted living facility may be eligible for benefits through the&nbsp;<a href="http://www.fdhc.state.fl.us/SCHS/ALWG/archived/docs/2011/2011-11-07_08/OSSFACT-102011.pdf" rel="noopener noreferrer" target="_blank">Optional State Supplementation</a> (OSS) program. 
 
This cash-based Supplemental Security Income (SSI) top-up benefit can be used towards the room and board portion of assisted living costs if the senior is unable to live independently as a result of a disability or age-related deterioration.&nbsp; 
 
Applicants are required to meet financial and personal care eligibility criteria. If approved, individual seniors may receive <a href="https://www.dcf.state.fl.us/programs/access/docs/esspolicymanual/a_12.pdf" rel="noopener noreferrer" target="_blank">maximum monthly OSS benefits</a>&nbsp;of $78.40 for an individual and $156.80 for a couple.&nbsp; 
 
To learn more about the OSS&nbsp;in Florida, call&nbsp;<a href="http://www.dcf.state.fl.us/contact-us/" rel="noopener noreferrer" target="_blank">ACCESS Florida</a> at (866) 762-2237.&nbsp; 
 
Veterans Aid and Attendance Benefit 
 
Honorably discharged veterans and their survivors who are eligible to receive a VA pension may qualify for a pension top-up to assist with costs related to a chronic illness, disability or incapacity.&nbsp; 
 
To qualify for the <a href="https://www.benefits.va.gov/pension/aid_attendance_housebound.asp" rel="noopener noreferrer" target="_blank">Aid and Attendance benefit</a>, applicants must meet at least one of the following conditions:&nbsp;&nbsp;

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<ul>
	<li>Require assistance from a caregiver to manage activities of daily living such as dressing, bathing, eating, toileting and/or installing a prosthetic device</li>
	<li>Are permanently&nbsp;bedridden or spend the majority of the day in bed due to a disability or disabilities</li>
	<li>Reside in a nursing home as a direct result of cognitive and/or physical deterioration</li>
	<li>Have eyesight that when corrected measures at 5/200 or worse</li>
	<li>Has concentric contraction to 5 or fewer degrees&nbsp;</li>
	 
	 
	 
	&nbsp;
	<li>Veterans Housebound Allowance 
	 
	The&nbsp;<a href="https://www.benefits.va.gov/pension/aid_attendance_housebound.asp" rel="noopener noreferrer" target="_blank">Veterans Housebound allowance</a> is a VA pension top-up allowance available to recipients of the VA pension who:</li>
	 
	 
	 
	&nbsp;
	<li>Have been assessed as 100 percent disabled by a VA assessor</li>
	<li>Are largely confined to their principal residence as a direct&nbsp;result of their disability or disabilities</li>
	 
	 
	 
	&nbsp;
	<li>Note that for both the Aid and Attendance&nbsp;benefit and the Housebound Allowance, disabilities do not need to be service-related. If approved, applicants may only&nbsp;collect benefits for one of these two programs even if they meet the criteria for both benefits.&nbsp; 
	 
	To learn more about these VA pension top-up programs contact the <a href="https://www.va.gov/directory/guide/facility.asp?ID=5902" rel="noopener noreferrer" target="_blank">Clearwater&nbsp;Vet Center</a> at (727) 549-3600.&nbsp;</li>
</ul>

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Other Financial Assistance Programs for Assisted Living

The average cost of assisted living in the city is $3,250 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 168 Assisted Living Communities in Clearwater and several in surrounding areas. <ul><li>Assisted living: $3,250</li><li>Nursing home semiprivate room: $8,319</li><li>In-home care: $3,718</li><li>Adult day health services: $1,907</li></ul>

Assisted Living in Clearwater, FL

Assisted Living Articles and Resources

Medicaid is a nationwide health insurance program designed to provide low-income, low-asset Americans with access to basic health services. It is jointly funded by the federal and state governments, and in Florida,&nbsp;<a href="http://www.dcf.state.fl.us/service-programs/access/medicaid.shtml" rel="noopener noreferrer" target="_blank">Medicaid</a>&nbsp;is administered by the <a href="http://www.fdhc.state.fl.us/" rel="noopener noreferrer" target="_blank">Florida Agency for Health Care Administration</a>.&nbsp; 
 
Seniors in Florida may be eligible for Medicaid coverage if they have a monthly income of $2,313 or less when applying as a single or $4,626 in joint income when applying with a spouse. Medicaid considers income from all sources including pensions, annuities, alimony and wages.&nbsp; 
 
Asset limits also apply for Medicaid applicants. Individuals may own no more than $2,000 in countable assets, and couples can jointly own no more than $3,000 in countable assets including cash, checking account balances, stocks and investment real estate.&nbsp; 
 
Under Medicaid rules, personal belongings, household effects, one vehicle and a primary residence valued at $585,000 or less are rated as exempt assets.&nbsp; 
 
Seniors aged 65 and older who qualify for Florida Medicaid and require care normally found in a nursing home&nbsp;may&nbsp;be eligible for personal care services while residing in the community or in an assisted living facility. The Florida Statewide Medicaid Managed Care&nbsp;<a href="http://elderaffairs.state.fl.us/doea/smmcltc.php" rel="noopener noreferrer" target="_blank">Long Term Care Program</a>&nbsp;(SMMC&nbsp;LTC) is designed to reduce the rates of nursing home placement in the state by providing financial assistance to seniors for use towards a homemaker, home health care aide or other supports.&nbsp; 
 
To learn more about Medicaid and the SMMC&nbsp;LTC&nbsp;program, call the&nbsp;<a href="http://ahca.myflorida.com/" rel="noopener noreferrer" target="_blank">Agency for Health Care Administration</a> at (877) 711-3662 or the Florida Elder Helpline at (800) 963-5337.

Medicaid in Florida

 Detailed profiles of 168 Assisted Living Facilities in Clearwater, FL. Average cost is 2750 per month.  Reviews, ratings, costs, pictures, amenities, and more.

 168 Assisted Living Facilities in Clearwater, FL

Nearby Assisted Living Facilities

Other Senior Living in Clearwater, FL

Assisted Living Resources in Clearwater

A number of community agencies in Clearwater&nbsp;offer services for older adults, such as assistance with accessing health care, low-cost transportation to medical appointments and help with preparing tax returns and wills.&nbsp;

Community Assistance Agencies

Clearwater&nbsp;veterans and their family members can access information on VA health care service, pension supplements and financial aid programs at the Pinellas&nbsp;County Veterans Services Center in Clearwater&nbsp;or the Clearwater&nbsp;VA Vet Center. There are also two Veterans social clubs here that offer companionship, weekly dinners and special events.&nbsp;

Veteran Centers and Clinics

Reviews of Clearwater Assisted Living Facilities

House Assisted Living Facility in Largo, FL is a family-owned and operated assisted living facility whose residents are loved and cared for like family. Lake House is situated in a neighborhood community in Largo, Florida. On a small lake that is bordered by single-family homes and numerous parks, Lake House provides a homelike environment with the same neighborhood feeling that many of our residents have experienced for most of their lives.

<h4>We Provide the Best Service With a Loving Touch</h4>
We encourage independence, yet provide assistance that is needed within a loving atmosphere that is similar to a bed and breakfast. Our mission is to make sure that residents receive the quality care, homelike atmosphere, and a fulfilling lifestyle that they deserve, and all for an affordable cost. Lake House offers diverse suite options so that potential residents have options, to both meet their needs and meet their financial abilities.

Our community is dedicated to encouraging independence, all while providing the assistance that is needed, within a loving atmosphere of a bed-and-breakfast style setting. Our mission is to ensure each resident receives the quality care and fulfilling lifestyle that they so deserve at an affordable cost.

At Lake House, we create a personalized plan-of-care that reflects each resident's specific service needs to provide the best support and experience possible every day. Our dedicated team provides each of our residents daily meals and snacks, housekeeping, laundry, medication management, recreational activities and a variety of additional amenities and services - all with a loving touch. To learn more about this providers license and review other available state reports, please visit: <a href="https://quality.healthfinder.fl.gov/">Florida Agency of Health Care Administration</a>

Lake House

Welcome to Seasons Largo. 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 Largo, 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, Seasons Largo could be the perfect fit for seniors seeking senior living options in or around Largo, FL.

Seasons Largo

Arden Courts Memory Care Community, located on Highland Ave in Largo caters to the special needs of individuals with memory loss. Staffed by specially trained caregivers, Arden Courts cares for individuals diagnosed with Alzheimer's disease and related dementias. Our community features friendly common spaces, an inviting kitchen and family rooms and walking paths within enclosed courtyards, all designed for the safety and comfort of our residents. To learn more about this providers license and review other available state reports, please visit: <a href="https://quality.healthfinder.fl.gov/">Florida Agency of Health Care Administration</a>

Arden Courts of Largo

Tucked away on 40 beautiful park-like acres, Regency Oaks is conveniently located in Clearwater, Fla. in the heart of the Greater Tampa Bay area. Regency Oaks offers the advantages of living in the city combined with the peaceful ambiance of a country estate. An active lifestyle with a well-known reputation for unsurpassed quality. With our award-winning signature programs and events you'll spend your days and evenings in an active pursuit of your passion or just relaxing. Residents enjoy extraordinary dining, developing new friendships, and taking advantage of the hassle free lifestyle offered every day. To learn more about this providers license and review other available state reports, please visit: <a href="https://quality.healthfinder.fl.gov/">Florida Agency of Health Care Administration</a>

Regency Oaks

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