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independent-living

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

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.

Long-Term Insurance: Planning for Your Future

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.

Financing Your Retirement with Life Insurance

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.

Paying for Long-Term Care: How to Overcome this Costly Hurdle to Safeguard Your Future

Paying for Long-Term Care: An Overview

Learn about tips for senior downsizing, how to make the downsizing process as easy as possible, and senior downsizing options.

From saving money to avoiding household chores, there are dozens of great reasons to downsize. Read our free guide for tips on navigating the process.

Senior Downsizing Guide

Senior Downsizing Tips

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.

Activities To Do With Seniors Who Have Dementia

12 Activities for People With Dementia

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Costs at Immaculate House At Countryside

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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;

&nbsp;

&nbsp;

<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 2 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 2 Assisted Living Facilities in Clearwater, FL. Average cost is 2750 per month.  Reviews, ratings, costs, pictures, amenities, and more.

 2 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

Angels Senior Living at Dunedin community specializes in providing top-notch memory care for our residents in a setting that feels like home. Memory care is the specialized subset of assisted living that covers seniors and other adults with memory loss. Memory loss occurs as a result of Alzheimers, dementia, or another cognitive disease. Our memory care staff are trained specifically to work with individuals suffering from memory loss to provide them with a healthy, enriching environment designed to encourage memory recall.

We strive to provide a comprehensive assisted living experience for memory-impaired seniors. We understand the long-term benefits of feeling self-sufficient and offer many opportunities for residents to have experiences familiar to them. Residents are given the opportunity to pursue old hobbies or develop new ones, play games that encourage memory recall, listen to music or create art, and flourish in comfort. 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>

Angels Senior Living at Dunedin

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

Stratford Court of Palm Harbor offers Independent Living, Assisted Living, Skilled Nursing and Rehabilitation.
 
We are located in Palm Harbor, Florida, close to area hospitals, healthcare providers, shopping centers and cultural venues. At Stratford Court of Palm Harbor, you'll find the perfect balance of the independence our residents want, with care always available, should you ever need it. We are proud to be a landmark in the area, servicing seniors for over 20 years.
 
From our spacious accommodations, to our outdoor pool and shaded patio, to our inspiring calendar of events, you'll feel like you've stepped into an island resort.


 To learn more about this provider's license and review other available state reports, please visit: <a href="https://quality.healthfinder.fl.gov/">Florida Agency of Health Care Administration</a>

Stratford Court of Palm Harbor

Arden Courts was designed after 5 years of research, the innovative layout and design make every Arden Courts warm, friendly and as homelike as possible. The philosophy of care and residential design were carefully crafted to meet the unique needs of persons living with dementia and Alzheimer's Disease. Our structured, engaging programs focus on what residents can do capitalizing on lifelong experiences and familiar routines.

Our team at Palm Harbor has a great deal of longevity which is very unique in this industry. Our Executive Director opened the community over 22 years ago, and many of our frontline staff have been with us 7-15 years. 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 Palm Harbor

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Immaculate House At Countryside - Clearwater, Florida

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