Commonwealth House Assisted Living

Article: How to get Medicare and Medicaid to Pay for Assisted Living

Description

Commonwealth House ensures that residents receive the best care and support to cultivate a learning environment for assisted living and memory care residents. Residents are encouraged to pursue their interests and passions while expanding their social life and taking advantage of the exceptional amenities and features of the community– contributing to an active and freeing lifestyle that is provided to ensure a remarkable experience.
Commonwealth’s residential assisted living amenities and services are designed to help with daily living. These include housekeeping, laundry, social events, recreational activities, fitness classes, medication management, and transportation.

Claim What’s Yours: Financial Aid for Rhode Island Seniors

Program

State Program Name

Eligibility

Benefits

Rhode Island Home and Community Care Services

RI Medicaid HCCS

General: Age 65+ or disabled, Rhode Island resident, Medicaid-eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $4,000 (individual, higher than most states).
RI Specifics: Higher asset limit; small state aids quicker processing.

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care ($65/day), home modifications ($1,500 avg.).

Rhode Island Caregiver Support Program

RI NFCSP Respite

General: Caregiver of someone 60+ (or with dementia), Rhode Island resident.
Income Limits: No strict limit; prioritizes low-income.
Asset Limits: Not applicable.
RI Specifics: Limited slots; urban focus due to small size.

Services: In-home respite (4-6 hours/day), adult day care (~$65/day), short-term facility care (up to 5 days).

Program of All-Inclusive Care for the Elderly (PACE)

Rhode Island PACE

General: Age 55+, RI resident (specific counties), NFLOC, safe with PACE support.
Income Limits (2025): ~$2,829/month (Medicaid-eligible); private pay option available.
Asset Limits: $4,000 (individual), $6,000 (couple) for Medicaid enrollees.
RI Specifics: Operated by PACE Organization of Rhode Island; covers 4 counties (Providence, Kent, Washington, Newport).

Services: Personal care (5-7 hours/day), medical care, meals, transportation, respite, therapies.

@Home Cost Share Program

Rhode Island @Home Cost Share

General: Age 65+, RI resident, need help with 1+ ADL/IADL, not Medicaid-eligible.
Income Limits (2025): ~$1,255-$2,829/month (100%-300% FPL); sliding scale fees.
Asset Limits: Not strictly assessed; focus on income/need.
RI Specifics: Administered by Division of Elderly Affairs (DEA); complements Medicaid.

Services: Personal care (4-6 hours/week), homemaker services, respite (~5 days/year), transportation.

SSI Enhanced Assisted Living Program

Rhode Island SSI Enhanced AL

General: Age 65+ (or disabled), RI resident, SSI-eligible, living in approved AL facility.
Income Limits (2025): $943/month (SSI federal rate) + state supplement ($332/month).
Asset Limits: $2,000 (individual), $3,000 (couple).
RI Specifics: Supplement increases to ~$1,275/month total for AL residents; ~50 facilities participate.

Services: Financial aid (~$332/month extra) for AL costs (personal care, meals, activities).

Medicare Savings Program (MSP)

Rhode Island Medicare Savings Program

General: Age 65+ or disabled, RI 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).
RI Specifics: Three tiers; includes Extra Help for Part D; no waitlist.

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

Low-Income Home Energy Assistance Program (LIHEAP)

Rhode Island LIHEAP

General: Age 60+ prioritized, RI resident, low-income household.
Income Limits (2025): ~$3,970/month (individual, 185% FPL).
Asset Limits: Not assessed; income-focused.
RI Specifics: Covers gas, electric, oil; emergency aid available.

Services: Heating/cooling aid ($300-$1,000/season), emergency aid ($500 max).

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

Rhode Island VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, RI 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).
RI Specifics: High veteran demand; supports rural/urban care needs.

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

Senior Farmers’ Market Nutrition Program (SFMNP)

Rhode Island SFMNP

General: Age 60+, RI resident, low-income.
Income Limits (2025): ~$2,322/month (individual, 185% FPL).
Asset Limits: Not assessed.
RI Specifics: Vouchers (~$50/season); serves ~10,000 annually.

Services: Vouchers (~$50/season) for fresh produce at approved markets.

Property Tax Relief for Seniors

Rhode Island Property Tax Relief Credit

General: Age 65+ (or disabled), RI resident, homeowner/renter, low-income.
Income Limits (2025): ~$35,000/year (household).
Asset Limits: Not assessed; income-focused.
RI Specifics: Credit up to $400; local exemptions vary by municipality.

Services: Tax credit (~$100-$400/year avg., depending on income).

Claim What’s Yours Financial Aid for Rhode Island Seniors

RI Medicaid HCCS

Rhode Island Home and Community Care Services

Eligibility

General: Age 65+ or disabled, Rhode Island resident, Medicaid-eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $4,000 (individual, higher than most states).
RI Specifics: Higher asset limit; small state aids quicker processing.

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care ($65/day), home modifications ($1,500 avg.).

RI NFCSP Respite

Rhode Island Caregiver Support Program

Eligibility

General: Caregiver of someone 60+ (or with dementia), Rhode Island resident.
Income Limits: No strict limit; prioritizes low-income.
Asset Limits: Not applicable.
RI Specifics: Limited slots; urban focus due to small size.

Benefits

Services: In-home respite (4-6 hours/day), adult day care (~$65/day), short-term facility care (up to 5 days).

Rhode Island PACE

Program of All-Inclusive Care for the Elderly (PACE)

Eligibility

General: Age 55+, RI resident (specific counties), NFLOC, safe with PACE support.
Income Limits (2025): ~$2,829/month (Medicaid-eligible); private pay option available.
Asset Limits: $4,000 (individual), $6,000 (couple) for Medicaid enrollees.
RI Specifics: Operated by PACE Organization of Rhode Island; covers 4 counties (Providence, Kent, Washington, Newport).

Benefits

Services: Personal care (5-7 hours/day), medical care, meals, transportation, respite, therapies.

Rhode Island @Home Cost Share

@Home Cost Share Program

Eligibility

General: Age 65+, RI resident, need help with 1+ ADL/IADL, not Medicaid-eligible.
Income Limits (2025): ~$1,255-$2,829/month (100%-300% FPL); sliding scale fees.
Asset Limits: Not strictly assessed; focus on income/need.
RI Specifics: Administered by Division of Elderly Affairs (DEA); complements Medicaid.

Benefits

Services: Personal care (4-6 hours/week), homemaker services, respite (~5 days/year), transportation.

Rhode Island SSI Enhanced AL

SSI Enhanced Assisted Living Program

Eligibility

General: Age 65+ (or disabled), RI resident, SSI-eligible, living in approved AL facility.
Income Limits (2025): $943/month (SSI federal rate) + state supplement ($332/month).
Asset Limits: $2,000 (individual), $3,000 (couple).
RI Specifics: Supplement increases to ~$1,275/month total for AL residents; ~50 facilities participate.

Benefits

Services: Financial aid (~$332/month extra) for AL costs (personal care, meals, activities).

Rhode Island Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

General: Age 65+ or disabled, RI 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).
RI Specifics: Three tiers; includes Extra Help for Part D; no waitlist.

Benefits

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

Rhode Island LIHEAP

Low-Income Home Energy Assistance Program (LIHEAP)

Eligibility

General: Age 60+ prioritized, RI resident, low-income household.
Income Limits (2025): ~$3,970/month (individual, 185% FPL).
Asset Limits: Not assessed; income-focused.
RI Specifics: Covers gas, electric, oil; emergency aid available.

Benefits

Services: Heating/cooling aid ($300-$1,000/season), emergency aid ($500 max).

Rhode Island VA Aid and Attendance/Housebound

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

Eligibility

General: Age 65+ or disabled veteran/spouse, RI 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).
RI Specifics: High veteran demand; supports rural/urban care needs.