Tender Loving Homecare, LLC

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

0.9 miles from city center

Description

Tender Loving Homecare, located in Barre, Vermont, is a non-medical home care provider specializing in a variety of in-home services for the elderly. Their exceptional care services encompass bathing and dressing assistance, meal preparation, light housekeeping, grocery shopping, transportation for errands, medication management, and support with daily living activities like walking.

In addition, Tender Loving Homecare offers a range of other services, including pet care, diabetes, cancer, and cardiac care, Alzheimer’s and dementia care, private facility duty care, Transitioning Services, Registered Nurse Overview, and personal services.

Map

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Type of Care Available

Home Care

Claim What’s Yours: Financial Aid for Vermont Seniors

Program

State Program Name

Eligibility

Benefits

Choices for Care

VT Medicaid CFC

General: Age 65+ or disabled, Vermont 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).
VT Specifics: Small state; rural access emphasis.

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$65/day), assisted living options.

Vermont Assistive Community Care Services (ACCS)

VT ACCS

General: Age 65+, Vermont resident, in approved residential setting.
Income Limits: ~$1,732/month (individual, varies).
Asset Limits: $2,000 (individual).
VT Specifics: Facility-based; limited funding.

Services: Personal care (2-4 hours/day in facility), respite (varies), basic support services.

Older Americans Act (OAA) Services

Vermont OAA Services

General: Age 60+, VT resident; no income/asset limits.
Income Limits (2025): None; donations encouraged.
Asset Limits: Not assessed.
VT Specifics: 5 AAAs (Age Well, CVCOA, NEKCOA, Senior Solutions, SVCOA); rural focus.

Services: Meals (~$5-$7/meal), transportation, homemaker services (~4 hours/week), respite (~5 days/year), legal aid.

Medicare Savings Program (MSP)

Vermont Medicare Savings Program

General: Age 65+ or disabled, VT 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).
VT Specifics: Includes Extra Help for Part D; no waitlist.

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

Fuel Assistance Program

Vermont Seasonal Fuel Assistance

General: Age 60+ prioritized, VT resident, low-income household.
Income Limits (2025): ~$3,970/month (185% FPL).
Asset Limits: Not assessed.
VT Specifics: Covers oil, gas, wood; emergency aid available.

Services: Heating aid ($300-$1,000/season), crisis aid ($500 max).

Family Caregiver Support Program (FCSP)

Vermont Family Caregiver Support Program

General: Caregivers of 60+ needing care or 55+ caregivers of others; VT resident; 2+ ADLs.
Income Limits (2025): No strict cap; prioritizes low-income (~$24,980/year).
Asset Limits: Not assessed.
VT Specifics: Includes grandparent caregivers; serves ~1,000 annually.

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), training, supplies (~$500/year).

Senior Community Service Employment Program (SCSEP)

Vermont SCSEP

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

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

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

Vermont VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, VT resident, wartime service, 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).
VT Specifics: High rural veteran use; supports care costs.

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs.

Property Tax Adjustment Assistance

Vermont Property Tax Credit

General: Age 65+ (or all ages), VT resident, homeowner/renter, income-based.
Income Limits (2025): ~$47,000/year (household); caps credit at ~$128,000.
Asset Limits: Not assessed.
VT Specifics: Credits up to $8,000; serves ~20,000 households.

Services: Tax credit (~$500-$2,500 avg., up to $8,000 max) reduces property tax.

Commodity Supplemental Food Program (CSFP)

Vermont CSFP

General: Age 60+, VT resident, low-income.
Income Limits (2025): ~$1,632/month (130% FPL).
Asset Limits: Not assessed.
VT Specifics: Serves ~5,000 seniors via 50+ drop sites.

Services: Monthly food box (~$50 value) with shelf-stable goods (e.g., cereal, canned goods).

Attendant Services Program (ASP)

Vermont Attendant Services Program

General: Age 65+ (or disabled 18+), VT resident, severe/permanent disability, 2+ ADL needs.
Income Limits (2025): Medicaid-eligible (~$2,829/month) or near-eligible for General Fund.
Asset Limits: $2,000 (individual) for Medicaid; varies for General Fund.
VT Specifics: Participants hire/manage caregivers; serves ~500 annually.

Services: Personal care (4-6 hours/day), respite (~5 days/year), limited supplies.

Claim What’s Yours Financial Aid for Vermont Seniors

VT Medicaid CFC

Choices for Care

Eligibility

General: Age 65+ or disabled, Vermont 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).
VT Specifics: Small state; rural access emphasis.

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$65/day), assisted living options.

VT ACCS

Vermont Assistive Community Care Services (ACCS)

Eligibility

General: Age 65+, Vermont resident, in approved residential setting.
Income Limits: ~$1,732/month (individual, varies).
Asset Limits: $2,000 (individual).
VT Specifics: Facility-based; limited funding.

Benefits

Services: Personal care (2-4 hours/day in facility), respite (varies), basic support services.

Vermont OAA Services

Older Americans Act (OAA) Services

Eligibility

General: Age 60+, VT resident; no income/asset limits.
Income Limits (2025): None; donations encouraged.
Asset Limits: Not assessed.
VT Specifics: 5 AAAs (Age Well, CVCOA, NEKCOA, Senior Solutions, SVCOA); rural focus.

Benefits

Services: Meals (~$5-$7/meal), transportation, homemaker services (~4 hours/week), respite (~5 days/year), legal aid.

Vermont Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

General: Age 65+ or disabled, VT 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).
VT Specifics: Includes Extra Help for Part D; no waitlist.

Benefits

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

Vermont Seasonal Fuel Assistance

Fuel Assistance Program

Eligibility

General: Age 60+ prioritized, VT resident, low-income household.
Income Limits (2025): ~$3,970/month (185% FPL).
Asset Limits: Not assessed.
VT Specifics: Covers oil, gas, wood; emergency aid available.

Benefits

Services: Heating aid ($300-$1,000/season), crisis aid ($500 max).

Vermont Family Caregiver Support Program

Family Caregiver Support Program (FCSP)

Eligibility

General: Caregivers of 60+ needing care or 55+ caregivers of others; VT resident; 2+ ADLs.
Income Limits (2025): No strict cap; prioritizes low-income (~$24,980/year).
Asset Limits: Not assessed.
VT Specifics: Includes grandparent caregivers; serves ~1,000 annually.

Benefits

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), training, supplies (~$500/year).

Vermont SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility

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

Benefits

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

Vermont VA Aid and Attendance/Housebound

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

Eligibility

General: Age 65+ or disabled veteran/spouse, VT resident, wartime service, 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).
VT Specifics: High rural veteran use; supports care costs.

Benefits

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs.

Vermont Property Tax Credit

Property Tax Adjustment Assistance

Eligibility

General: Age 65+ (or all ages), VT resident, homeowner/renter, income-based.
Income Limits (2025): ~$47,000/year (household); caps credit at ~$128,000.
Asset Limits: Not assessed.
VT Specifics: Credits up to $8,000; serves ~20,000 households.

Benefits

Services: Tax credit (~$500-$2,500 avg., up to $8,000 max) reduces property tax.

Vermont CSFP

Commodity Supplemental Food Program (CSFP)

Eligibility

General: Age 60+, VT resident, low-income.
Income Limits (2025): ~$1,632/month (130% FPL).
Asset Limits: Not assessed.
VT Specifics: Serves ~5,000 seniors via 50+ drop sites.

Benefits

Services: Monthly food box (~$50 value) with shelf-stable goods (e.g., cereal, canned goods).

Vermont Attendant Services Program

Attendant Services Program (ASP)

Eligibility

General: Age 65+ (or disabled 18+), VT resident, severe/permanent disability, 2+ ADL needs.
Income Limits (2025): Medicaid-eligible (~$2,829/month) or near-eligible for General Fund.
Asset Limits: $2,000 (individual) for Medicaid; varies for General Fund.
VT Specifics: Participants hire/manage caregivers; serves ~500 annually.