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

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Carmel Manor | Covington, KY | Photos & Videos

Overview of Carmel Manor

Nestled in Covington, Kentucky, Carmel Manor is a place where the importance of life quality and compassionate care harmoniously intertwine. This assisted living community offers a comprehensive array of skilled nursing and long-term care services, ensuring a holistic approach that caters to the unique needs of each individual. The Nursing Care wing at Carmel Manor is designed to accommodate residents in need of long-term skilled nursing care, including support with essential daily activities like dressing, bathing, eating, and mobility. Additionally, residents may benefit from specialized therapies such as physical, occupational, and speech therapies.
The dedicated team at Carmel Manor collaborates closely with residents and their families to create tailored care plans, guaranteeing that every resident receives the highest quality of care. With round-the-clock skilled nursing assistance, residents can experience a sense of security and comfort. The community offers both private and semi-private room options, allowing residents to choose what suits them best. Participation in a rich variety of activities is a cornerstone of life at Carmel Manor. From engaging in crafts, entertainment, and pet therapy to being a part of book clubs, trivia sessions, and bingo games, residents have ample opportunities for recreation. The amenities also include a beauty salon, picnics, seasonal celebrations, and worship services, fostering a vibrant and dynamic environment. Carmel Manor is dedicated to ensuring that each resident’s journey is met with compassion, excellence, and a commitment to enhancing their overall well-being.

(859) 781‑5111 info@carmelmanor.com

What families are saying

Quality of care and staff professionalism

Staff and Management Concerns

Care & staff

Quality of care and staff professionalism

Mixed Opinions on Facilities and Care

Care & staff

Mobility support and physical accessibility

Accessibility and Location

Mobility

Home Information Carmel Manor

No benchmark data is available for Occupancy. No benchmark data is available for Beds. No benchmark data is available for Avg. Length of Stay.
No benchmark data is available for Home Revenue. No benchmark data is available for Payroll Costs. No benchmark data is available for Total Income.
No benchmark data is available for Medicare Nights. No benchmark data is available for Medicaid Nights. No benchmark data is available for Private Pay Nights.

Occupancy

Beds

Occupancy

90.4%

Total Bed Days Available

63875

Avg. Length of Stay

138 days

Avg. Residents per Day

Finance

Home Revenue

$10,015,625.00

Payroll Costs

$2,933,678.00

Profit

$-4,132,669.00

Total Home Costs

$13,528,056.00

Payroll % of Revenue

29.3%

House Specifics:

CCN

185208

Owner Name

THE CARMELITE SISTERS FOR THE AGED AND INFIRM

Rural vs. Urban

Urban

County

Campbell

Type of Control

Governmental — City

Operations

Total Admissions

196

Total Discharges

165

% Medicaid Admissions

18%

% Medicare Admissions

25%

% Private Pay Admissions

57%

% Medicaid Discharges

% Medicare Discharges

28%

% Private Pay Discharges

63%

Quality Ratings

Overall Rating

1 / 5

Health Inspection Rating

1 / 5

Staffing Rating

4 / 5

QM Rating

1 / 5

Nurse Hours / Resident / Day

4.56 hrs

Number of Fines

Medicaid, Medicare & Private

Medicare Nights

10463

Medicaid Nights

1764

Free Market Nights

12473

Comparison Chart

Compare Nursing Homes around Covington

Carmel Manor

THE CARMELITE SISTERS FOR THE AGED AND INFIRM

90.4%

$10,015,625.00

$2,933,678.00

29.3%

85.80

1/5

4.5639

1/5

4/5

1/5

Baptist Life Communities

Garrard Convalescent Home

SNF

Covington

Rosedale Green

KNOLLMAN, LONDA

85.3%

$17,787,336.00

$5,865,026.00

33%

162.40

2/5

4.3608

3/5

1/5

The Pavilion at Kenton for Nursing and Rehabilitation

Carmel Manor

Type of care: AL

Pets Allowed: No

Operator: THE CARMELITE SISTERS FOR THE AGED AND INFIRM

CCN: 185208

Occupancy: 90.4%

Home Revenue: $10,015,625.00

Payroll Costs: $2,933,678.00

Payroll %: 29.3%

Avg Residents/Day: 85.80

Overall Rating: 1/5

Adj Nurse Hours: 4.5639

Health Insp Rating: 1/5

Staffing Rating: 4/5

QM Rating: 1/5

Number of Fines: 8

Baptist Life Communities

Type of care: AL

Pets Allowed: No

Garrard Convalescent Home

Type of care: AL IL MC SNF

Community: Covington

Pets Allowed: No

Rosedale Green

Type of care: AL

Pets Allowed: No

Operator: KNOLLMAN, LONDA

CCN: 185225

Occupancy: 85.3%

Home Revenue: $17,787,336.00

Payroll Costs: $5,865,026.00

Payroll %: 33%

Avg Residents/Day: 162.40

Overall Rating: 2/5

Adj Nurse Hours: 4.3608

Health Insp Rating: 3/5

Staffing Rating: 3/5

QM Rating: 1/5

The Pavilion at Kenton for Nursing and Rehabilitation

Type of care: AL

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.

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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.