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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Check out our photo album Check out our virtual tours Check out our home videos

Resident interviews at our senior living facilities

Check out our resident interviews

Cardinal Nursing and Rehabilitation

Cardinal Nursing and Rehabilitation is a Nursing Home in Indiana

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Overview of Cardinal Nursing and Rehabilitation

The sister community of West Bend, Cardinal Nursing and Rehabilitation, is filled with professional and dedicated care staff who strive to make a difference in their residents’ lives. The home offers a continuum of nursing home services– respite care, hospice care, skilled nursing, and rehabilitation; as well as focusing on assisted living and memory care services. The elegant nursing home is a resident-centered community where residents can thrive and reach their fullest potential to be a new version of themselves.
Cardinal Nursing and Rehab strive to ensure excellent hospital-like service in a comfortable, homey environment. Services at the nursing home are interdisciplinary, focusing on the specific healing process for each resident: outpatient therapy, long-term care, and short-term care; activities and programs focus on functional communication, cognitive skills, and physical movement. As convenience is the heart of their service, medical services and physicians are available in the community.

(574) 287-6501

What families are saying

Quality of care and staff professionalism

Staff Positivity and Dedication - The staff, particularly individuals like Charlena and Jamie, are frequently praised for their positivity, kindness, and dedication to residents and their families, creating a supportive and welcoming environment.

Care & staff

Activities, programs, and daily engagement

Engaging Activities and Open Visitation - The facility offers a variety of activities for residents, contributing to a lively atmosphere, and allows open visitation, which is appreciated by families and supports resident engagement.

Activities

Overall quality of life and resident wellbeing

Mixed Feedback on Food and Room Sharing - While the food is praised by some, others find it lacking in quality. Additionally, rooms are shared, which might not be ideal for all residents, indicating a need for improvement in these areas.

Quality of life Dining

Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

Nurse hours per resident 3.53/day

Overall rating

5/5

Health Inspection

4/5

Staffing

3/5

Quality Measures

5/5

Capacity and availability

Medium-capacity home

Offers a balance of services and community atmosphere.

Total beds 144

This home usually has availability

Lower occupancy suggests more openings may be available.

41.1%

TYPE OF STAY

Mostly long-term care residents

Most residents stay for extended periods and receive ongoing daily care.

Might be optimal for

Long-term daily care Ongoing support needs

How we assess these insights Show admissions and discharges

Breakdown by payment type

Medicare

14% of new residents, usually for short-term rehab.

Typical stay 2 - 3 years

Private pay

22% of new residents, often for short stays.

Typical stay 4 months

Medicaid

65% of new residents, often for long-term daily care.

Typical stay 8 days

Finances and operations

Home revenue

$8.0M

Deficit of revenue

-$2.2M

Voluntary non-profit home Church

Home revenue

$7,986,596.00

Deficit of revenue

$-2,162,423.00

Payroll costs

$4.0M

49.9% of revenue

Other operating costs

$6.2M

Total costs $10.1M

Comparison Chart

Compare Nursing Homes around South Bend

Cardinal Nursing and Rehabilitation

SNF

LAPE, KATHRYN

41.1%

$7,960,358.00

$3,987,372.00

50.1%

59.10

5/5

3.5306

4/5

3/5

5/5

Trailpoint Village

SNF

BRADFORD, KATRINA

49.8%

$13,652,497.00

$7,915,791.00

58%

100.00

3/5

3.2707

3/5

2/5

4/5

Majestic Care of South Bend

SNF

MAJESTIC CARE OF SOUTH BEND LLC

78.5%

$8,373,896.00

$2,313,195.00

27.6%

60.40

2/5

2.8317

1/5

5/5

Holy Cross Village-Notre Dame

SNF

Ironwood Health & Rehab Center

SNF

South Bend

Cardinal Nursing and Rehabilitation

Type of care: SNF AL

Pets Allowed: No

Operator: LAPE, KATHRYN

CCN: 155115

Occupancy: 41.1%

Home Revenue: $7,960,358.00

Payroll Costs: $3,987,372.00

Payroll %: 50.1%

Avg Residents/Day: 59.10

Overall Rating: 5/5

Adj Nurse Hours: 3.5306

Health Insp Rating: 4/5

Staffing Rating: 3/5

QM Rating: 5/5

Number of Fines: 1

Trailpoint Village

Type of care: SNF AL

Pets Allowed: No

Operator: BRADFORD, KATRINA

CCN: 155103

Occupancy: 49.8%

Home Revenue: $13,652,497.00

Payroll Costs: $7,915,791.00

Payroll %: 58%

Avg Residents/Day: 100.00

Overall Rating: 3/5

Adj Nurse Hours: 3.2707

Health Insp Rating: 3/5

Staffing Rating: 2/5

QM Rating: 4/5

Number of Fines: 1

Majestic Care of South Bend

Type of care: SNF AL

Pets Allowed: No

Operator: MAJESTIC CARE OF SOUTH BEND LLC

CCN: 155219

Occupancy: 78.5%

Home Revenue: $8,373,896.00

Payroll Costs: $2,313,195.00

Payroll %: 27.6%

Avg Residents/Day: 60.40

Overall Rating: 2/5

Adj Nurse Hours: 2.8317

Health Insp Rating: 1/5

Staffing Rating: 1/5

QM Rating: 5/5

Number of Fines: 3

Holy Cross Village-Notre Dame

Type of care: SNF AL

Pets Allowed: No

Ironwood Health & Rehab Center

Type of care: AL IL MC SNF

Community: South Bend

Pets Allowed: No

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

Nursing Home Data Explorer

Don’t Wait Too Long: 7 Red Flag Signs Your Parent Needs Assisted Living Now

The True Cost of Assisted Living in 2025 – And How Families Are Paying For It

Understanding Senior Living Costs: Pricing Models, Discounts & Financial Assistance

Claim What’s Yours: Financial Aid for Indiana Seniors

Program

State Program Name

Eligibility

Benefits

Aged and Disabled Waiver

Indiana Medicaid A&D Waiver

Official government program page

General: Age 65+ or disabled, Indiana 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).
IN Specifics: Requires level-of-care determination.

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home health services.

CHOICE Program

Indiana CHOICE

Official government program page

General: Age 60+, Indiana resident, at risk of nursing home.
Income Limits: ~$2,000/month (varies).
Asset Limits: $10,000 (individual).
IN Specifics: Limited funding; regional variation.

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

Residential Care Assistance Program (RCAP)

Indiana Residential Care Assistance Program

Official government program page

General: Age 65+, or blind, or disabled, Indiana resident, in approved facility, low-income or SSI recipient.
Income Limits (2025): ~$1,004/month (including SSI).
Asset Limits: $2,000 (individual), $3,000 (couple).
IN Specifics: ~50 facilities statewide; per diem rate set by FSSA.

Services: Room/board, laundry, minimal care coordination (~$20-$50/day subsidy).

Medicare Savings Program (MSP)

Indiana Medicare Savings Program

Official government program page

General: Age 65+ or disabled, Indiana resident, Medicare Part A/B.
Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits: $9,430 (individual), $14,130 (couple).
IN Specifics: Three tiers; no waitlist.

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

National Family Caregiver Support Program (NFCSP) Respite

Indiana NFCSP Respite Care

Official government program page

General: Caregivers of 60+ needing care or 55+ caregivers of others; Indiana resident; functional needs (2+ ADLs).
Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits: Not assessed; need-based.
IN Specifics: 16 AAAs; prioritizes low-income, rural caregivers.

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training.

Senior Community Service Employment Program (SCSEP)

Indiana SCSEP

Official government program page

General: Age 55+, unemployed, low-income, Indiana resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
IN Specifics: Priority for veterans, rural residents.

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

VA Aid and Attendance (A&A) and Housebound Benefits

Indiana VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, Indiana resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits: ~$155,356 (net worth limit).
IN Specifics: High veteran demand statewide.

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

Claim What’s Yours Financial Aid for Indiana Seniors

Indiana Medicaid A&D Waiver

Aged and Disabled Waiver

Requirements:

General:
Age 65+ or disabled, Indiana 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).
IN Specifics:
Requires level-of-care determination.

Benefits without Contact:

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home health services.

Official Program Page

Indiana CHOICE

CHOICE Program

Requirements:

General:
Age 60+, Indiana resident, at risk of nursing home.
Income Limits:
~$2,000/month (varies).
Asset Limits:
$10,000 (individual).
IN Specifics:
Limited funding; regional variation.

Benefits without Contact:

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

Official Program Page

Indiana Residential Care Assistance Program

Residential Care Assistance Program (RCAP)

Requirements:

General:
Age 65+, or blind, or disabled, Indiana resident, in approved facility, low-income or SSI recipient.
Income Limits (2025):
~$1,004/month (including SSI).
Asset Limits:
$2,000 (individual), $3,000 (couple).
IN Specifics:
~50 facilities statewide; per diem rate set by FSSA.

Benefits without Contact:

Services: Room/board, laundry, minimal care coordination (~$20-$50/day subsidy).

Official Program Page

Indiana Medicare Savings Program

Medicare Savings Program (MSP)

Requirements:

General:
Age 65+ or disabled, Indiana resident, Medicare Part A/B.
Income Limits (2025):
~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits:
$9,430 (individual), $14,130 (couple).
IN Specifics:
Three tiers; no waitlist.

Benefits without Contact:

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Official Program Page

Indiana NFCSP Respite Care

National Family Caregiver Support Program (NFCSP) Respite

Requirements:

General:
Caregivers of 60+ needing care or 55+ caregivers of others; Indiana resident; functional needs (2+ ADLs).
Income Limits (2025):
Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits:
Not assessed; need-based.
IN Specifics:
16 AAAs; prioritizes low-income, rural caregivers.

Benefits without Contact:

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training.

Official Program Page

Indiana SCSEP

Senior Community Service Employment Program (SCSEP)

Requirements:

General:
Age 55+, unemployed, low-income, Indiana resident.
Income Limits (2025):
~$1,983/month (125% FPL).
Asset Limits:
Not specified; income-focused.
IN Specifics:
Priority for veterans, rural residents.

Benefits without Contact:

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

Official Program Page

Indiana VA Aid and Attendance/Housebound

VA Aid and Attendance (A&A) and Housebound Benefits

Requirements:

General:
Age 65+ or disabled veteran/spouse, Indiana resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025):
Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits:
~$155,356 (net worth limit).
IN Specifics:
High veteran demand statewide.

Benefits without Contact:

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

Who we are

Your Senior Care Partner, Every Step of the Way

We help families find affordable senior communities and unlock same day discounts, Medicaid, and Medicare options tailored to your needs.

Cardinal Nursing and Rehabilitation

Cardinal Nursing and Rehabilitation is a Nursing Home in Indiana

Cardinal Nursing and Rehabilitation is a Nursing Home in Indiana

Cardinal Nursing and Rehabilitation

Cardinal Nursing and Rehabilitation is a Nursing Home in Indiana

Cardinal Nursing and Rehabilitation is a Nursing Home in Indiana

What families are saying

Quality of care and staff professionalism

Activities, programs, and daily engagement

Overall quality of life and resident wellbeing

Quality ratings

Capacity and availability

Medium-capacity home

This home usually has availability

Who this home usually serves

Mostly long-term care residents

Breakdown by payment type

Medicare

Private pay

Medicaid

Finances and operations

Comparison Chart

Guides for Better Senior Living

Eldertainment

Claim What’s Yours: Financial Aid for Indiana Seniors

Claim What’s Yours Financial Aid for Indiana Seniors

Aged and Disabled Waiver

Requirements:

Benefits without Contact:

CHOICE Program

Requirements:

Benefits without Contact:

Residential Care Assistance Program (RCAP)

Requirements:

Benefits without Contact:

Medicare Savings Program (MSP)

Requirements:

Benefits without Contact:

National Family Caregiver Support Program (NFCSP) Respite

Requirements:

Benefits without Contact:

Senior Community Service Employment Program (SCSEP)

Requirements:

Benefits without Contact:

VA Aid and Attendance (A&A) and Housebound Benefits

Requirements:

Benefits without Contact:

Contact Us

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Touring Checklist for Senior Living

Location

Community Spaces and Overall Environment

Services

Staffing

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Finances

Other Notes

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