The Cottages of Carmel
Set amidst lush landscaping and a breathtaking mountain backdrop at Carmel, CA, The Cottages of Carmel provides luxurious senior living options, including memory care, assisted living, and retirement living, guaranteeing a caring atmosphere for different care levels. In addition to various outdoor activities, the community provides a safe environment and features spacious apartment units, ranging from a studio, 1 and 2-bedroom apartments, and a companion suite along with 24-hour care support.
The Cottages of Carmel is dedicated to developing a vibrant neighborhood where people can live happy, meaningful lives and create enduring memories. Residents enjoy various amenities, including fine dining, fun activities, and an extensive wellness program in the community. The community also provides weekly housekeeping and all-day dining, individualized care, and prescription administration to ensure each resident has access to care services that they may require. Additional amenities include raised garden beds, a cafe, a full-service hairdresser, and outdoor and indoor lounging areas where residents can gather and enjoy meaningful conversations.
Map
Details
Amenities
Types of Care Available
Claim What’s Yours: Financial Aid for California Seniors
- General: Age 65+, California resident, Medi-Cal eligible, nursing home risk.
- Income Limits (2025): ~$2,829/month (300% FBR, individual).
- Asset Limits: $2,000 (individual), $3,000 (couple).
- CA Specifics: County-managed; waitlists possible.
- Services: In-home support (4-6 hours/day), respite care (14 days/year), meals (~$6/meal), transportation (8 trips/month), care management.
- General: Age 65+, California resident, Medicaid-eligible or low-income.
- Income Limits: ~$1,732/month (individual, Medi-Cal threshold).
- Asset Limits: $2,000 (individual).
- CA Specifics: Can hire family as caregivers.
- Services: Personal care (up to 283 hours/month), homemaker services, respite (varies).
- General: Age 65+, California resident, Medi-Cal-eligible, nursing home-eligible but community-capable.
- Income Limits: ~$2,829/month (300% FBR, individual).
- Asset Limits: $2,000 (individual).
- CA Specifics: Available in 38 counties; waitlists common.
- Services: Case management, respite care (up to 10 days/year), minor home mods (avg. $500), adult day care (~$50/day).
- General: Age 62+, California resident, own and live in home, 40% equity.
- Income Limits (2025): ~$51,500/year (household, adjusted annually).
- Asset Limits: Equity-based; no strict asset cap.
- CA Specifics: Deferred taxes accrue interest (5% as of 2024); repaid upon sale/death.
- Services: Property tax deferral (avg. $1,000-$3,000/year, varies by county).
- General: Age 65+ or disabled, California resident, Medi-Cal-eligible, nursing home-eligible.
- Income Limits: ~$2,829/month (300% FBR, individual).
- Asset Limits: $2,000 (individual).
- CA Specifics: Available in 15 counties (e.g., LA, Sacramento); waitlists common.
- Services: Personal care in ALFs (5-7 hours/day), medication management, social services.
- General: Caregivers of California residents 60+ needing help with 3+ daily activities; no caregiver age limit.
- Income Limits: No strict limit; cost-sharing above ~$2,500/month threshold.
- Asset Limits: Not applicable; need-based.
- CA Specifics: High demand in urban areas; complements IHSS respite.
- Services: Respite care (up to 10 days/year), counseling (4-6 sessions/year), training (2-3 workshops/year), supplies (~$200/year).
- General: Age 60+ priority, California resident, low-income, utility/heating need.
- Income Limits (2025): ~$2,510/month (200% of poverty level, individual).
- Asset Limits: Not applicable; income-focused.
- CA Specifics: High demand in inland/coastal extremes; weatherization capped at $5,000/home.
- Services: Utility payments (avg. $500-$1,000/year), weatherization (e.g., insulation, avg. $1,000-$3,000 savings).
Comparison Chart
For seniors needing help with daily tasks but not full-time nursing.
Specialized care for those with Memory Loss, Alzheimer’s, or dementia, ensuring safety and support.
For seniors needing help with daily tasks but not full-time nursing.
For self-sufficient seniors seeking community and minimal assistance.
Specialized care for those with Memory Loss, Alzheimer’s, or dementia, ensuring safety and support.
For seniors needing help with daily tasks but not full-time nursing.
For self-sufficient seniors seeking community and minimal assistance.
Specialized care for those with Memory Loss, Alzheimer’s, or dementia, ensuring safety and support.
24/7 care needed
For seniors needing help with daily tasks but not full-time nursing.
For self-sufficient seniors seeking community and minimal assistance.
Specialized care for those with Memory Loss, Alzheimer’s, or dementia, ensuring safety and support.
24/7 care needed
For seniors needing help with daily tasks but not full-time nursing.
For self-sufficient seniors seeking community and minimal assistance.
Specialized care for those with Memory Loss, Alzheimer’s, or dementia, ensuring safety and support.
24/7 care needed
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Frequently Asked Questions
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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.
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.
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.
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.
- 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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