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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Resident interviews at our senior living facilities

Check out our resident interviews

Calumet Trace | Owensboro, KY | Photos & Videos

Overview of Calumet Trace

Welcome to the realm of Calumet Trace, where the distinct senior living experience becomes evident from the very first visit. Located in Owensboro, Kentucky, the Charter Senior Living family offers a personal touch to Independent Living, Personal Care, Memory Care, and Short-Term Stays, easing concerns and adding comfort into the lives of seniors in search of exceptional care.

With a wealth of expertise, the team at Charter Senior Living enriches the lives of Owensboro’s senior residents, fostering vibrant and inspiring lifestyles. Experience the Charter difference at Calumet Trace and discover a senior living community that truly cares about enhancing your loved one’s quality of life.

(270) 215-0828

What families are saying

Quality of care and staff professionalism

The staff at Calumet Trace is frequently praised for their compassion, dedication, and familial approach towards residents and their families, creating a supportive and caring environment that many find reassuring and comforting.

Care & staff

Overall quality of life and resident wellbeing

The facility is commended for its comprehensive amenities and healthcare services, including 24/7 nursing care, physical therapy, and various on-site conveniences, which contribute positively to the residents' quality of life and independence.

Quality of life Care & staff

Managed by Justin Carwile

Executive Director

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 operating skilled nursing facilities and senior living communities across multiple states.

Home Information Calumet Trace

Comparison Chart

Compare Independent Living around Owensboro

Hamilton Pointe Health and Rehabilitation Center

Newburgh

115

A+

RIVERVIEW HOSPITAL

72.6%

$14,848,879.00

$5,651,053.00

38.1%

93.80

1/5

3.6468

1/5

3/5

4/5

Woodmont Health Campus

Boonville

Yes

A+

MEADOR, ROBYN

84.8%

$9,320,469.00

$3,222,592.00

34.6%

51.40

3/5

3.0561

3/5

4/5

Maplebrook Village Owensboro Senior Living

Owensboro

Heartland Villa Center

Lewisport

Yes

99.8%

$6,309,140.00

$1,710,776.00

27.1%

42.70

3/5

3.1975

3/5

1/5

5/5

Calumet Trace

Hamilton Pointe Health and Rehabilitation Center

Type of care: AL IL MC RC

Community: Newburgh

Bed Count: 115

Pets Allowed: No

Operator: RIVERVIEW HOSPITAL

CCN: 155803

Occupancy: 72.6%

Home Revenue: $14,848,879.00

Payroll Costs: $5,651,053.00

Payroll %: 38.1%

Avg Residents/Day: 93.80

Overall Rating: 1/5

Adj Nurse Hours: 3.6468

Health Insp Rating: 1/5

Staffing Rating: 3/5

QM Rating: 4/5

Number of Fines: 1

Woodmont Health Campus

Type of care: AL IL MC

Community: Boonville

Bed Count: 60

Pets Allowed: Yes

Operator: MEADOR, ROBYN

CCN: 155682

Occupancy: 84.8%

Home Revenue: $9,320,469.00

Payroll Costs: $3,222,592.00

Payroll %: 34.6%

Avg Residents/Day: 51.40

Overall Rating: 3/5

Adj Nurse Hours: 3.0561

Health Insp Rating: 3/5

Staffing Rating: 3/5

QM Rating: 4/5

Maplebrook Village Owensboro Senior Living

Type of care: IL

Community: Owensboro

Pets Allowed: No

Heartland Villa Center

Type of care: AL HC IL MC

Community: Lewisport

Bed Count: 45

Pets Allowed: Yes

CCN: 185399

Occupancy: 99.8%

Home Revenue: $6,309,140.00

Payroll Costs: $1,710,776.00

Payroll %: 27.1%

Avg Residents/Day: 42.70

Overall Rating: 3/5

Adj Nurse Hours: 3.1975

Health Insp Rating: 3/5

Staffing Rating: 1/5

QM Rating: 5/5

Number of Fines: 1

Calumet Trace

Type of care: IL

Pets Allowed: No

Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

Care Cost Calculator: See Prices in Your Area

Nursing Home Data Explorer

7 Signs Your Parent Needs Assisted Living Now

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

The Real Cost of Assisted Living in 2025

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

A Guide to Senior Living Costs & Discounts

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

Claim What’s Yours: Financial Aid for Kentucky Seniors

Program

State Program Name

Eligibility

Benefits

Home and Community Based Waiver

Kentucky Medicaid HCB Waiver

General: Age 65+ or disabled, 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).
KY Specifics: Rural focus; waitlists possible.

Services: Personal care (5-7 hours/day), respite (240 hours/year), homemaker services, home modifications.

Hart-Supported Living Program

KY Hart-Supported Living

Official government program page

General: Age 65+ or disabled, Kentucky resident.
Income Limits: No strict limit; prioritizes low-income.
Asset Limits: Not applicable.
KY Specifics: Competitive grants; limited availability.

Services: In-home support (up to 10 hours/week), respite (varies), adaptive equipment (~$500 avg.).

Kentucky Homecare Program

General: Age 60+, 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.
KY Specifics: 15 AAAs; rural focus; not in nursing homes.

Services: 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

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

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

National Family Caregiver Support Program (NFCSP) Respite

Kentucky NFCSP Respite Care

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.
KY Specifics: 15 AAAs; prioritizes low-income, rural caregivers.

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($55/day), caregiver training, supplies (~$500/year).

Kentucky Family Caregiver Program

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

Services: Grants (~$500-$1,500/year) for respite, supplies, care costs; counseling, training.

Senior Community Service Employment Program (SCSEP)

Kentucky SCSEP

General: Age 55+, unemployed, low-income, Kentucky resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
KY 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

Kentucky VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, 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).
KY Specifics: High veteran demand in rural areas.

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 Kentucky Seniors

Kentucky Medicaid HCB Waiver

Home and Community Based Waiver

Requirements:

General:
Age 65+ or disabled, 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).
KY Specifics:
Rural focus; waitlists possible.

Benefits without Contact:

Services: Personal care (5-7 hours/day), respite (240 hours/year), homemaker services, home modifications.

KY Hart-Supported Living

Hart-Supported Living Program

Requirements:

General:
Age 65+ or disabled, Kentucky resident.
Income Limits:
No strict limit; prioritizes low-income.
Asset Limits:
Not applicable.
KY Specifics:
Competitive grants; limited availability.

Benefits without Contact:

Services: In-home support (up to 10 hours/week), respite (varies), adaptive equipment (~$500 avg.).

Official Program Page

Kentucky Homecare Program

Requirements:

General:
Age 60+, 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.
KY Specifics:
15 AAAs; rural focus; not in nursing homes.

Benefits without Contact:

Services: Personal care (4-6 hours/day), respite (5 days/year), chore services, meal delivery ($7/meal), minor home repairs.

Kentucky Medicare Savings Program

Medicare Savings Program (MSP)

Requirements:

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

Benefits without Contact:

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

Kentucky NFCSP Respite Care

National Family Caregiver Support Program (NFCSP) Respite

Requirements:

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.
KY Specifics:
15 AAAs; prioritizes low-income, rural caregivers.

Benefits without Contact:

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($55/day), caregiver training, supplies (~$500/year).

Kentucky Family Caregiver Program

Requirements:

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

Benefits without Contact:

Services: Grants (~$500-$1,500/year) for respite, supplies, care costs; counseling, training.

Kentucky SCSEP

Senior Community Service Employment Program (SCSEP)

Requirements:

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

Benefits without Contact:

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

Kentucky VA Aid and Attendance/Housebound

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

Requirements:

General:
Age 65+ or disabled veteran/spouse, 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).
KY Specifics:
High veteran demand in rural areas.

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.

Calumet Trace

Calumet Trace is an Independent Living Home in Kentucky

Calumet Trace is an Independent Living Home in Kentucky

Calumet Trace

Calumet Trace is an Independent Living Home in Kentucky

Calumet Trace is an Independent Living Home in Kentucky

What families are saying

Quality of care and staff professionalism

Overall quality of life and resident wellbeing

Managed by Justin Carwile

Touring Checklist for Senior Living

Location

Community Spaces and Overall Environment

Services

Staffing

Accommodations

Finances

Other Notes

Send Checklist to Your Email

Comparison Chart

Guides for Better Senior Living

Guides for Better Senior Living

Eldertainment

Claim What’s Yours: Financial Aid for Kentucky Seniors

Claim What’s Yours Financial Aid for Kentucky Seniors

Home and Community Based Waiver

Requirements:

Benefits without Contact:

Hart-Supported Living Program

Requirements:

Benefits without Contact:

Kentucky Homecare Program

Requirements:

Benefits without Contact:

Medicare Savings Program (MSP)

Requirements:

Benefits without Contact:

National Family Caregiver Support Program (NFCSP) Respite

Requirements:

Benefits without Contact:

Kentucky Family Caregiver Program

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

Your Senior Care Partner, Every Step of the Way

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