Adult family homes are residential long-term care facilities that provide personal care services, as well as room and board for up to six adults. Homes are typically located in specially retrofitted private houses in residential neighborhoods.
Some adult family homes are run by a single person or married couple who live in the home with residents. Other homes are operated by commercial entities who hire employees to cover 24-hour shifts.
Although some adult family homes may admit people as young as age 18, the average age of residents in these specialized homes for the elderly is between 40-80 years old. More of the residents are female, but the difference between male and female residents is very small, around three percent.
What Makes Adult Family Homes Different?
Adult family homes are different from other types of senior housing, such as assisted living communities and nursing homes, in that they are generally limited to housing fewer than 10 residents at a time, fostering a much more intimate environment for both residents and staff.
Living in a traditional house also makes adult family homes seem much more inviting than other larger senior living communities, which often resemble big apartment complexes.
However, unlike many other senior housing options, adult family homes don't necessarily provide specific care for Alzheimer’s or other specialized conditions. Nevertheless, they may be a great option for seniors that want to enjoy socialization and the personalized care of a small staff without sacrificing their freedom.
How Much Do Adult Family Homes Cost?
The cost of care in adult family homes can be pretty low compared to other long-term care services, even when compared to home care.
In Seattle, for instance, monthly costs range from $3,200 to $6,200 per month, with the average cost being around $4,650 per month.
Fortunately, there are multiple ways to finance and/or reduce the costs of living in an adult family home.
- Medicaid – Medicaid is a national program that provides medical assistance for low-income citizens. Medicaid will fund long-term care for seniors who meet certain income eligibility requirements.
- Veterans Benefits – Veterans benefits are a great way to pay for long-term care. Eligible military veterans and their spouses can receive substantial financial help from the Government to pay for a stay in an adult family home.
- Long-Term Care (LTC) Insurance – long-term care insurance can completely cover the costs of living in an adult family home. Unfortunately, this option requires long-term planning of at least 10 years or more, and is therefore not suited for urgent situations.
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Written by senior housing staff writer.