Arbor Terrace at Waugh Chapel
Arbor Terrace at Waugh Chapel is dedicated to crafting a retirement lifestyle that truly makes a difference. This commitment to excellence is further underscored by the multitude of awards it has garnered over time, reflecting a multi-acclaimed facility that goes above and beyond. With an unwavering focus on not only delivering top-tier service but also forging meaningful connections, Arbor Terrace has become a trusted haven for the well-being of seniors. Nestled in a serene, pet-friendly neighborhood exuding a classic charm, the community offers a tranquil respite from the hustle and bustle.
Beyond its exceptional assisted living facilities, Arbor Terrace extends its dedication to dementia care, with specialized memory care apartments thoughtfully designed to cater to the unique needs of residents. This comprehensive approach ensures that seniors receive the support they deserve, making Arbor Terrace a cherished destination among memory care locations. Backed by a dedicated team of well-trained professionals, the community provides services ranging from concierge and transportation to meticulous housekeeping. The inviting outdoor spaces provide a safe haven for relaxation, and an array of dining options further contribute to the comprehensive experience Arbor Terrace is renowned for. With a firm commitment to enhancing the lives of its residents, Arbor Terrace at Waugh Chapel is a true embodiment of excellence and care.
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Type of Care Available

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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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 seniors needing help with daily tasks but not full-time nursing.
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.
Respite Care
Claim What’s Yours: Financial Aid for Maryland Seniors
- 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.).
- 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.
- 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).
- 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).
- 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.
- 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.
- 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.
- 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
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