The Restoracy of Carmel
The Restoracy of Carmel, a distinguished skilled nursing home nestled in a quiet neighborhood, stands out among nursing homes nearby for its exceptional services. With a high caregiver-to-patient ratio, it seamlessly offers rehabilitation, long-term skilled care, and memory care within a comforting, homelike environment. The facility, designed specifically for senior comfort, boasts well-lit spaces that soothe the senses.
Comprising six homes, each with 12 private bedrooms and bathroom suites, this skilled nursing home provides both privacy and serenity. The furnishings are impeccable, and the atmosphere is cozy, complete with a welcoming fireplace, garage parking, and modern skylight windows, all within spacious 18-foot open living areas. Residents can enjoy fresh air on the covered front and back porches. In addition to its core services, it also offers specialized care for memory-related conditions. The facility also excels in clinical expertise, encompassing areas such as wound care, diabetes management, sepsis recovery, and cardiac and pulmonary rehabilitation, making it a skilled nursing home that stands apart from the rest.
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Type of Care Available
(317)-671-7965 Claim What’s Yours: Financial Aid for Indiana Seniors
- General: Age 65+ or disabled, Indiana 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).
- IN Specifics: Requires level-of-care determination.
- Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home health services.
- General: Age 60+, Indiana resident, at risk of nursing home.
- Income Limits: ~$2,000/month (varies).
- Asset Limits: $10,000 (individual).
- IN Specifics: Limited funding; regional variation.
- Services: In-home care (3-5 hours/week), respite (up to 10 days/year), transportation (~5 trips/month).
- General: Age 65+, or blind, or disabled, Indiana resident, in approved facility, low-income or SSI recipient.
- Income Limits (2025): ~$1,004/month (including SSI).
- Asset Limits: $2,000 (individual), $3,000 (couple).
- IN Specifics: ~50 facilities statewide; per diem rate set by FSSA.
- Services: Room/board, laundry, minimal care coordination (~$20-$50/day subsidy).
- General: Age 65+ or disabled, Indiana 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).
- IN Specifics: Three tiers; no waitlist.
- Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
- General: Caregivers of 60+ needing care or 55+ caregivers of others; Indiana resident; functional needs (2+ ADLs).
- Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
- Asset Limits: Not assessed; need-based.
- IN Specifics: 16 AAAs; prioritizes low-income, rural caregivers.
- Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training.
- General: Age 55+, unemployed, low-income, Indiana resident.
- Income Limits (2025): ~$1,983/month (125% FPL).
- Asset Limits: Not specified; income-focused.
- IN Specifics: Priority for veterans, rural residents.
- Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.
- General: Age 65+ or disabled veteran/spouse, Indiana 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).
- IN Specifics: High veteran demand statewide.
- Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).
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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.
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.
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.
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.
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