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.

Calumet Trace – A Charter Senior Living Community | Assisted Living in Owensboro, KY

Overview of Calumet Trace – a Charter Senior Living Community

Enjoy a purposeful lifestyle at Charter Senior Living Of Calumet Trace, a welcoming senior living community in Owensboro, KY, offering Independent Living, Personal Care, Memory Care and Short-Term Stays. Designed to enhance residents’ lives, the community features a variety of apartments with a wide selection to choose from, including a studio, one-bedroom, one-bedroom deluxe and two-bedroom layouts. The community collaborates closely with residents and families in creating individualized care plans delivered by an experienced team of caregivers.

With a stellar reputation for providing the highest-quality senior living, the community provides engaging life-enrichment programs that encourages residents to live a full, connected life. A robust calendar of activities, convenient services, and great dining experiences further enhances residents’ quality of life. Amenities like a full-service, on-site beauty salon, private reading lounge and card room, and beautifully landscaped grounds, provides inviting spaces for social interactions, leisure, and relaxation.

(270) 261-4711

Managed by Justin Carwile

Executive Director

8 years of experience

Justin Carwile is the Executive Director at Calumet Trace Senior Living. He holds a bachelor’s degree in Exercise Physiology from Western Kentucky University and a master’s degree in health administration from Purdue University. A licensed nursing home administrator, Justin has eight years of experience in long-term care, managing skilled nursing facilities and senior living communities across multiple states.

Capacity and availability

Smaller home

May offer a more intimate, personalized care environment.

Total beds 20

20-bed community

A smaller, more intimate setting that may offer a quieter environment and closer staff-resident interactions.

Walk Score: 48 / 100

Somewhat walkable. A few nearby services may be reachable on foot, but most trips require transportation.

About this community

Facility TypeAssisted Living Community - Dementia Care

StatusActive

CountyDaviess

License Number101519

Respite Care

Nursing Services

Licensed Nurses/CNAs

24-Hour Staffing

Specific ProgramsShort-Term Stays, Flourish℠ Programming, Services & Amenities, Dining, Events

Operating HoursVisitors are welcome 24 hours a day, 7 days a week.

IL$3,195 per month

AL$4,395 per month

MC$5,895 per month

Food DescriptionThree nutritious meals per day are provided.

Meals IncludedYes

What does this home offer?

Housing Options: Studio / 1 Bed

Building Type: 3-story

Transportation Services

Fitness and Recreation

Types of Care at Calumet Trace – A Charter Senior Living Community

Assisted Living Independent Living Memory Care

Compare Assisted Living around Owensboro

Filter by care type


Fern Terrace Of Owensboro	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.	Owensboro	68	No	42	Studio / 1 Bed	-
Calumet Trace Senior Living	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	Owensboro	44	No	-	Studio / 1 Bed	-
Fern Terra of Owensboro	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	Owensboro	36	No	-	Studio / 1 Bed	-
Calumet Trace – A Charter Senior Living Community	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence. IL Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support. MC Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.	Owensboro (Gateway Commons)	20	No	48	Studio / 1 Bed	-
Davco Rest Home LLC	AL Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.	Owensboro	-	No	34	Studio / 1 Bed	-

Fern Terrace Of Owensboro

Type of care: AL MC

Community: Owensboro

Bed Count: 68

Pets Allowed: No

Bed Options: Studio / 1 Bed

Calumet Trace Senior Living

Type of care: AL

Community: Owensboro

Bed Count: 44

Pets Allowed: No

Bed Options: Studio / 1 Bed

Fern Terra of Owensboro

Type of care: AL

Community: Owensboro

Bed Count: 36

Pets Allowed: No

Bed Options: Studio / 1 Bed

Calumet Trace – A Charter Senior Living Community

Type of care: AL IL MC

Community: Owensboro (Gateway Commons)

Bed Count: 20

Pets Allowed: No

Bed Options: Studio / 1 Bed

Davco Rest Home LLC

Type of care: AL

Community: Owensboro

Pets Allowed: No

Bed Options: Studio / 1 Bed

View all Nearby Homes

Home and Community Based Waiver

Kentucky Medicaid HCB Waiver

Age 65+ or disabled

General Kentucky 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).

Rural focus; waitlists possible.

Benefits

Personal care (5-7 hours/day) Respite (240 hours/year) Homemaker services Home modifications

Hart-Supported Living Program

KY Hart-Supported Living

Age 65+ or disabled

General Kentucky resident.

Income Limits No strict limit; prioritizes low-income.

Asset Limits Not applicable.

Competitive grants; limited availability.

Benefits

In-home support (up to 10 hours/week) Respite (varies) Adaptive equipment (~$500 avg.)

Kentucky Homecare Program

Age 60+

General Kentucky resident, at risk of nursing home placement, not eligible for Medicaid waivers.

Income Limits (2025) No strict limit; prioritizes low-income ~$24,980/year individual

Asset Limits Not assessed; need-based focus.

15 AAAs; rural focus; not in nursing homes.

Benefits

Personal care (4-6 hours/day) Respite (5 days/year) Chore services Meal delivery ($7/meal) Minor home repairs

Medicare Savings Program (MSP)

Kentucky Medicare Savings Program

Age 65+ or disabled

General Kentucky 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).

Three tiers; no waitlist; auto Extra Help for Part D.

Benefits

Covers Part B premiums ($174.70/month) Deductibles ($240/year) Copays (~20%)

National Family Caregiver Support Program (NFCSP) Respite

Kentucky NFCSP Respite Care

Age —

General Caregivers of 60+ needing care or 55+ caregivers of others; Kentucky resident; functional needs (2+ ADLs).

Income Limits (2025) Prioritizes ~$24,980/year (individual); no strict cap.

Asset Limits Not assessed; need-based.

15 AAAs; prioritizes low-income, rural caregivers.

Benefits

Respite (4-6 hours/week or 5 days/year) Adult day care ($55/day) Caregiver training Supplies (~$500/year)

Kentucky Family Caregiver Program

Age —

General Grandparents (often 55+) as primary caregivers to grandchildren under 18, Kentucky resident, not on Kinship Care.

Income Limits (2025) ~$31,225/year (individual); varies by AAA.

Asset Limits Not strictly assessed; need-based.

Max $1,500/year; statewide via AAAs.

Benefits

Grants (~$500-$1,500/year) for respite Supplies Care costs; counseling Training

Senior Community Service Employment Program (SCSEP)

Kentucky SCSEP

Age 55+

General unemployed, low-income, Kentucky resident.

Income Limits (2025) ~$1,983/month 125% FPL

Asset Limits Not specified; income-focused.

Priority for veterans, rural residents.

Benefits

Paid training (~20 hours/week at ~$7.25/hour) Job placement

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

Kentucky VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse

General Kentucky 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

High veteran demand in rural areas.

Benefits

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

4.2 miles from city center Estimated distance in miles from Owensboro's city center to Calumet Trace – A Charter Senior Living Community's address, calculated via Google Maps. — 0.3 miles to nearest hospital (DaVita Owensboro Home Dialysis)

Quick search

Calculate Travel Distance to Calumet Trace – A Charter Senior Living Community

Add your location

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

Calumet Trace – A Charter Senior Living Community

Assisted Living in Owensboro

Assisted Living in Owensboro