Westminster-Canterbury

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

Description

Westminster Canterbury on Chesapeake Bay, located in the vibrant heart of Virginia Beach, is more than just a typical retirement community. It’s a haven of warmth, kindness, and empathy that genuinely appreciates the importance of living life to the fullest. Chesapeake Bay offers a continuum of care that includes assisted living, skilled nursing, memory care, rehabilitation, and at-home services, all delivered by a team of skilled professionals who are passionate about what they do.
Here, residents are more than just residents; they’re family. From Villa Dolphin to Sandpiper, each apartment home is thoughtfully designed to create a comfortable and nurturing environment where seniors can thrive. With 24/7 licensed nursing, life enrichment programs, progressive wellness initiatives, and access to the beautiful City Park and Recreation Center, this community is more than just a place to call home – it’s a place to live, laugh, and love.

Comparison Chart

Compare senior living communities around the area

Westminster-Canterbury

Virginia Beach

N/A

Living Well Assisted Living

SNF

Virginia Beach

N/A

The Gardens of Virginia Beach

Virginia Beach

Studio

N/A

Yes

Bickford of Virginia Beach

Virginia Beach

N/A

Yes

Claim What’s Yours: Financial Aid for Virginia Seniors

Program

State Program Name

Eligibility

Benefits

Commonwealth Coordinated Care Plus (CCC Plus)

VA Medicaid CCC Plus

General: Age 65+ or disabled, Virginia 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).
VA Specifics: Managed care model; high demand in urban areas.

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care ($65/day), home modifications ($1,500 avg.).

Virginia Respite Care Grant Program

VA Respite Grant

General: Caregiver of someone 60+, Virginia resident.
Income Limits: ~$2,500/month (individual, varies).
Asset Limits: $40,000 (individual).
VA Specifics: Limited grants; rural/urban balance.

Services: In-home respite (up to 30 days/year), adult day care (~$65/day), facility respite (up to 5 days).

Adult Services Program

Virginia Adult Services (AS)

General: Age 60+ (or disabled 18+), VA resident, need significant care (2+ ADLs), not Medicaid-eligible.
Income Limits (2025): Varies by locality; typically < ~$2,510/month (200% FPL).
Asset Limits: Limited assets (excludes home, car); varies by DSS.
VA Specifics: Serves ~5,000 annually; focuses on low-income independence.

Services: Personal care (4-6 hours/week), adult day care (~$60/day), chore services, assessments, respite (~5 days/year).

Auxiliary Grant Program

Virginia Auxiliary Grant (AG)

General: Age 65+ (or disabled 18+), VA resident, living in approved ALF/foster care, SSI-eligible or low-income.
Income Limits (2025): ~$1,041/month (individual, SSI level + $20 disregard); higher with medical deductions.
Asset Limits: $2,000 (individual).
VA Specifics: Serves 4,000; personal needs allowance ($90/month).

Services: Cash (~$1,400-$1,700/month in 2025, varies by region) for ALF/foster care costs; basic care included.

Medicare Savings Program (MSP)

Virginia Medicare Savings Program

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

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

Energy Assistance Program (EAP)

Virginia Energy Assistance Program

General: Age 60+ prioritized, VA resident, low-income household.
Income Limits (2025): ~$3,970/month (185% FPL).
Asset Limits: Not assessed.
VA Specifics: Fuel, Crisis, Cooling components; serves ~100,000 households.

Services: Heating/cooling aid ($300-$1,000/season), crisis aid ($500 max), equipment repair (~$250).

Senior Community Service Employment Program (SCSEP)

Virginia SCSEP

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

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

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

Virginia VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, VA 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).
VA Specifics: High veteran population; supports rural/urban needs.

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

Property Tax Relief for the Elderly and Disabled

Virginia Property Tax Relief

General: Age 65+ or disabled, VA resident, homeowner, income/asset limits vary by locality.
Income Limits (2025): ~$50,000-$75,000/year (household, e.g., Fairfax: $72,000; Richmond: $50,000).
Asset Limits: Varies (e.g., Fairfax: $400,000 net worth; Richmond: $100,000).
VA Specifics: Offered in 90% of localities; saves ~$500-$2,000/year.

Services: Tax exemption/deferral (~$500-$2,000/year depending on locality).

Senior Farmers’ Market Nutrition Program (SFMNP)

Virginia SFMNP

General: Age 60+, VA resident, low-income.
Income Limits (2025): ~$2,322/month (185% FPL).
Asset Limits: Not assessed.
VA Specifics: Vouchers (~$50-$75/season); serves ~15,000 via AAAs.

Services: Vouchers (~$50-$75/season) for produce at farmers’ markets.

Claim What’s Yours Financial Aid for Virginia Seniors

VA Medicaid CCC Plus

Commonwealth Coordinated Care Plus (CCC Plus)

Eligibility

General: Age 65+ or disabled, Virginia 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).
VA Specifics: Managed care model; high demand in urban areas.

Benefits

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care ($65/day), home modifications ($1,500 avg.).

VA Respite Grant

Virginia Respite Care Grant Program

Eligibility

General: Caregiver of someone 60+, Virginia resident.
Income Limits: ~$2,500/month (individual, varies).
Asset Limits: $40,000 (individual).
VA Specifics: Limited grants; rural/urban balance.

Benefits

Services: In-home respite (up to 30 days/year), adult day care (~$65/day), facility respite (up to 5 days).

Virginia Adult Services (AS)

Adult Services Program

Eligibility

General: Age 60+ (or disabled 18+), VA resident, need significant care (2+ ADLs), not Medicaid-eligible.
Income Limits (2025): Varies by locality; typically < ~$2,510/month (200% FPL).
Asset Limits: Limited assets (excludes home, car); varies by DSS.
VA Specifics: Serves ~5,000 annually; focuses on low-income independence.

Benefits

Services: Personal care (4-6 hours/week), adult day care (~$60/day), chore services, assessments, respite (~5 days/year).

Virginia Auxiliary Grant (AG)

Auxiliary Grant Program

Eligibility

General: Age 65+ (or disabled 18+), VA resident, living in approved ALF/foster care, SSI-eligible or low-income.
Income Limits (2025): ~$1,041/month (individual, SSI level + $20 disregard); higher with medical deductions.
Asset Limits: $2,000 (individual).
VA Specifics: Serves 4,000; personal needs allowance ($90/month).

Benefits

Services: Cash (~$1,400-$1,700/month in 2025, varies by region) for ALF/foster care costs; basic care included.

Virginia Medicare Savings Program

Medicare Savings Program (MSP)

Eligibility

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

Benefits

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

Virginia Energy Assistance Program

Energy Assistance Program (EAP)

Eligibility

General: Age 60+ prioritized, VA resident, low-income household.
Income Limits (2025): ~$3,970/month (185% FPL).
Asset Limits: Not assessed.
VA Specifics: Fuel, Crisis, Cooling components; serves ~100,000 households.

Benefits

Services: Heating/cooling aid ($300-$1,000/season), crisis aid ($500 max), equipment repair (~$250).

Virginia SCSEP

Senior Community Service Employment Program (SCSEP)

Eligibility

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

Benefits

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

Virginia VA Aid and Attendance/Housebound

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

Eligibility

General: Age 65+ or disabled veteran/spouse, VA 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).
VA Specifics: High veteran population; supports rural/urban needs.

Benefits

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

Virginia Property Tax Relief

Property Tax Relief for the Elderly and Disabled

Eligibility

General: Age 65+ or disabled, VA resident, homeowner, income/asset limits vary by locality.
Income Limits (2025): ~$50,000-$75,000/year (household, e.g., Fairfax: $72,000; Richmond: $50,000).
Asset Limits: Varies (e.g., Fairfax: $400,000 net worth; Richmond: $100,000).
VA Specifics: Offered in 90% of localities; saves ~$500-$2,000/year.