What government services provide money for senior housing?

Several government programs offer financial assistance for senior housing in various countries, focusing on the United States for a broad overview: Medicaid: Medicaid is a state and federally funded program that can cover the costs of nursing home care for those who meet eligibility criteria, including income and asset limits. Some states also offer Medicaid waivers that help pay for home and community-based services to prevent or delay nursing home placement. Medicare: Medicare, primarily a health insurance program for people aged 65 and over, does not cover long-term housing costs. However, it can cover short-term stays in a skilled nursing facility under specific conditions following a hospital stay. Section 202 Supportive Housing for the Elderly Program: This program provides housing for low-income seniors. It offers rental assistance and access to supportive services, such as cleaning, cooking, and transportation. Low-Income Housing Tax Credit (LIHTC) Properties: While not a direct subsidy, LIHTC encourages developers to create affordable housing. Seniors with low incomes can find reduced-rent apartments through this program. State and Local Programs: Many states, counties, and cities offer their own programs to assist seniors with housing costs. These can include property tax relief programs, rental assistance programs, and programs that offer affordable senior housing options. Veterans Affairs (VA): The VA offers several programs for veterans, including the Aid and Attendance benefit, which provides monthly payments to veterans who require the aid of another person, or are housebound, to help cover the cost of care in homes, nursing homes, and assisted living facilities. Social Security: While Social Security primarily provides retirement income, for many seniors, these benefits are a crucial part of their budget, including housing costs.

How do you pick the homes you recommend?

Before recommending homes, we conduct a thorough evaluation on crucial factors that define a senior home such as the quality of care they provide, the reputation of the organization, and a comprehensive review of community testimonials as well. Every detail is assessed to assure that seniors are offered not just senior care options, but trustworthy homes where they can experience the care that they deserve.

Do you help families that need Medicaid?

Yes. Assisting families who need Medicaid is important to us as it plays a crucial role in offering financial support to seniors confronting economic challenges. We would like to keep essential healthcare services accessible to all community members, irrespective of one’s financial circumstances.

How much does this service cost?

We extend our services at no cost, ensuring that families and seniors can benefit from tailored assistance in their search for care and home options. Our ability to offer personalized guidance without charge to families and seniors is made possible through the support and funding from the communities with which we team up.

What services do you offer?

Finding and ranking the best assisted living facilities Finding and ranking the best nursing homes Finding and ranking the best memory care facilities Our concierge service helps seniors move into the perfect home for them Helping seniors use medicare, medicaid, and other government programs to pay for their homes Helping seniors avoid senior homes that have bad service or fraud Helping seniors avoid senior homes that have bad service or fraud Autobiography & Family History Writing + Research Senior-focused concierge medicine Senior-focused nutritionist Senior-focused personal training Memory care specialists Custom wheelchairs at all price points. Custom hearing aids Cosmetic skincare + dermatology Companionship: We offer in-person and virtual companionship services. Someone engaging to hang out with or talk to on video chat. Senior housing concierge. Our service finds the best senior living options based on your needs, income, and personality.

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Resident interviews at our senior living facilities

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Lovin’ Arms Assisted Living

1217 N. Dukeland St., Baltimore, MD 21216 View Map

Lovin’ Arms Assisted Living is an Assisted Living Home in Maryland

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1217 N. Dukeland St., Baltimore, MD 21216

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Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

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Claim What’s Yours: Financial Aid for Maryland Seniors

Program

State Program Name

Eligibility

Benefits

Community Options Waiver

Maryland Medicaid Community Options Waiver

Official government program page

General: Age 65+ or disabled, Maryland resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $2,000 (individual), $3,000 (couple) (excludes home, car).
MD Specifics: High urban demand; rural outreach efforts.

Services: Personal care (5-7 hours/day, e.g., bathing, dressing), respite care (up to 240 hours/year), adult day care ($70/day), home modifications ($1,500 avg.).

Senior Care Program

Maryland Senior Care

Official government program page

General: Age 65+, Maryland resident, at risk of nursing home placement.
Income Limits: ~$2,000/month (individual, varies by county).
Asset Limits: $11,000 (individual).
MD Specifics: Limited funding; waitlists common in high-demand areas.

Services: In-home care (3-5 hours/week), respite care (up to 10 days/year), meals (~$6/meal), transportation (~5 trips/month), case management.

Maryland Nursing Home Medicaid

Maryland Medical Assistance (Medicaid) Nursing Home Program

Official government program page

General: Age 65+, Maryland resident, Medicaid-eligible, requires nursing home-level care.
Income Limits (2025): $943/month (individual); most income applied to care costs.
Asset Limits: $2,500 (individual), $3,000 (couple); spousal protections up to $155,356.
MD Specifics: Home equity limit $636,000; estate recovery applies post-55.

Services: 24/7 nursing care, meals, therapy, medications (unlimited per medical need).

Senior Assisted Living Subsidy Program

Maryland Senior Assisted Living Group Home Subsidy

Official government program page

General: Age 62+, Maryland resident, in or moving to approved assisted living, low/moderate income.
Income Limits (2025): ~$34,000/year (individual, varies by county).
Asset Limits: Not strict; prioritizes low-income.
MD Specifics: Not available statewide; facility must be licensed by MDH.

Services: Personal care, meals, 24-hour supervision (up to $1,500/month subsidy typical).

Veterans Aid and Attendance (A&A) Benefit

Maryland VA Aid and Attendance

General: Wartime veteran/spouse, age 65+ or disabled, needs ADL help, Maryland resident.
Income Limits (2025): Net income minus medical expenses < $1,984/month (individual with A&A).
Asset Limits: $155,356 (net worth limit).
MD Specifics: High veteran population in suburban/rural areas.

Services: Cash benefit ($1,478-$2,471/month, varies by status) for care costs.

Senior Prescription Drug Assistance Program (SPDAP)

Maryland Senior Prescription Drug Assistance Program

Official government program page

General: Age 65+, Maryland resident (6+ months), Medicare Part D enrolled.
Income Limits (2025): $48,560/year (individual, 300% FPL).
Asset Limits: None specified.
MD Specifics: Supplements Medicare Part D; annual enrollment required.

Services: Up to $40/month premium subsidy, reducing drug costs.

Medicare Savings Programs (MSP)

Maryland Medicare Savings Programs

Official government program page

General: Age 65+, Maryland resident, Medicare Part A/B enrollee.
Income Limits (2025): $2,014/month (QMB), $2,706/month (SLMB/QI, individual).
Asset Limits: $9,090 (individual), $13,630 (couple).
MD Specifics: Includes QMB, SLMB, QI categories.

Services: Covers premiums (up to $174.70/month Part B), co-pays, deductibles.

Community Personal Assistance Services (CPAS)

Maryland Medicaid Community Personal Assistance Services

General: Age 65+, Maryland resident, Medicaid-eligible, needs ADL assistance.
Income Limits (2025): $943/month (individual); spend-down available.
Asset Limits: $2,500 (individual), $3,000 (couple).
MD Specifics: Consumer-directed option allows hiring family caregivers.

Services: Personal care (hours vary, typically 20-30/week), chores, nurse supervision.

Claim What’s Yours Financial Aid for Maryland Seniors

Maryland Medicaid Community Options Waiver

Community Options Waiver

Requirements:

General:
Age 65+ or disabled, Maryland resident, Medicaid- eligible, nursing home-level care need.
Income Limits (2025):
~$2,829/month (300% FBR, individual).
Asset Limits:
$2,000 (individual), $3,000 (couple) (excludes home, car).
MD Specifics:
High urban demand; rural outreach efforts.

Benefits without Contact:

Services: Personal care (5-7 hours/day, e.g., bathing, dressing), respite care (up to 240 hours/year), adult day care ($70/day), home modifications ($1,500 avg.).

Official Program Page

Maryland Senior Care

Senior Care Program

Requirements:

General:
Age 65+, Maryland resident, at risk of nursing home placement.
Income Limits:
~$2,000/month (individual, varies by county).
Asset Limits:
$11,000 (individual).
MD Specifics:
Limited funding; waitlists common in high-demand areas.

Benefits without Contact:

Services: In-home care (3-5 hours/week), respite care (up to 10 days/year), meals (~$6/meal), transportation (~5 trips/month), case management.

Official Program Page

Maryland Medical Assistance (Medicaid) Nursing Home Program

Maryland Nursing Home Medicaid

Requirements:

General:
Age 65+, Maryland resident, Medicaid-eligible, requires nursing home-level care.
Income Limits (2025):
$943/month (individual); most income applied to care costs.
Asset Limits:
$2,500 (individual), $3,000 (couple); spousal protections up to $155,356.
MD Specifics:
Home equity limit $636,000; estate recovery applies post-55.

Benefits without Contact:

Services: 24/7 nursing care, meals, therapy, medications (unlimited per medical need).

Official Program Page

Maryland Senior Assisted Living Group Home Subsidy

Senior Assisted Living Subsidy Program

Requirements:

General:
Age 62+, Maryland resident, in or moving to approved assisted living, low/moderate income.
Income Limits (2025):
~$34,000/year (individual, varies by county).
Asset Limits:
Not strict; prioritizes low-income.
MD Specifics:
Not available statewide; facility must be licensed by MDH.

Benefits without Contact:

Services: Personal care, meals, 24-hour supervision (up to $1,500/month subsidy typical).

Official Program Page

Maryland VA Aid and Attendance

Veterans Aid and Attendance (A&A) Benefit

Requirements:

General:
Wartime veteran/spouse, age 65+ or disabled, needs ADL help, Maryland resident.
Income Limits (2025):
Net income minus medical expenses < $1,984/month (individual with A&A).
Asset Limits:
$155,356 (net worth limit).
MD Specifics:
High veteran population in suburban/rural areas.

Benefits without Contact:

Services: Cash benefit ($1,478-$2,471/month, varies by status) for care costs.

Maryland Senior Prescription Drug Assistance Program

Senior Prescription Drug Assistance Program (SPDAP)

Requirements:

General:
Age 65+, Maryland resident (6+ months), Medicare Part D enrolled.
Income Limits (2025):
$48,560/year (individual, 300% FPL).
Asset Limits:
None specified.
MD Specifics:
Supplements Medicare Part D; annual enrollment required.

Benefits without Contact:

Services: Up to $40/month premium subsidy, reducing drug costs.

Official Program Page

Maryland Medicare Savings Programs

Medicare Savings Programs (MSP)

Requirements:

General:
Age 65+, Maryland resident, Medicare Part A/B enrollee.
Income Limits (2025):
$2,014/month (QMB), $2,706/month (SLMB/QI, individual).
Asset Limits:
$9,090 (individual), $13,630 (couple).
MD Specifics:
Includes QMB, SLMB, QI categories.

Benefits without Contact:

Services: Covers premiums (up to $174.70/month Part B), co-pays, deductibles.

Official Program Page

Maryland Medicaid Community Personal Assistance Services

Community Personal Assistance Services (CPAS)

Requirements:

General:
Age 65+, Maryland resident, Medicaid-eligible, needs ADL assistance.
Income Limits (2025):
$943/month (individual); spend-down available.
Asset Limits:
$2,500 (individual), $3,000 (couple).
MD Specifics:
Consumer-directed option allows hiring family caregivers.