Cumberland Nursing & Rehabilitation Center

Article: How to get Medicare and Medicaid to Pay for Assisted Living

0.8 miles from city center

Description

Located in Somerset, Cumberland Nursing & Rehabilitation Center is considered an excellent choice for Kentucky residents seeking top-notch nursing home care and rehabilitation services. What sets it apart is its commitment to elevating senior living through skilled nursing, effective therapies, and a range of comprehensive services. The facility boasts a team of well-trained and dedicated staff, ensuring residents receive the utmost care.

Cumberland takes pride in its professionally supervised therapy programs, on-site therapies, wound care, and medication management. The center not only provides exceptional services but also fosters a vibrant community, emphasizing a positive cultural experience. With scheduled transportation and the option for respite stays, Cumberland Nursing & Rehabilitation Center is dedicated to not only meeting nursing home qualifications but exceeding expectations, ensuring a holistic and enriching experience for its residents.

Map

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Type of Care Available

Skilled Nursing Respite Care

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

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

Eligibility

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

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

KY Hart-Supported Living

Hart-Supported Living Program

Eligibility

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

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

Kentucky Homecare Program

Eligibility

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

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)

Eligibility

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

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

Kentucky NFCSP Respite Care

National Family Caregiver Support Program (NFCSP) Respite

Eligibility

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

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

Kentucky Family Caregiver Program

Eligibility

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

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

Kentucky SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility

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

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

Eligibility

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.