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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Whaler‘s Cove Assisted Living

114 Riverside Avenue New Bedford, MA 02746 View Map

Whaler‘s Cove Assisted Living is an Assisted Living Home in Massachusetts

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Overview of Whaler‘s Cove Assisted Living

At Whaler’s Cove Assisted Living, the goal is to help residents stay active and involved while supporting independence for as long as possible. Whether a senior is looking for a short-term stay or would like to settle down for good, this community offers a wide range of living options and services to manage the challenges and promote the joy of retired living.

The team at Whaler’s Cove listens closely to residents to understand their needs and limitations, then discusses and determines potential solutions. This community works with each individual to customize options that will make the life they want for themselves and their loved ones a reality.

+1 508-997-2880

Managed by Laura Sousa

Executive Director

Laura Sousa provides strategic leadership and direction to Whaler’s Cove Assisted Living, ensuring alignment with organizational goals and values. She fosters positive engagement with residents, families, staff, and community partners through an open-door atmosphere. Laura is dedicated to recruiting and retaining qualified staff to meet residents’ needs and maintain a supportive work environment.

Capacity and availability

Medium-capacity home

Offers a balance of services and community atmosphere.

Total beds 120

120-bed community

A larger shared setting that may offer more common spaces and organized community services.

24 years in operation

A longer operating history, which may indicate experience navigating regulations and delivering ongoing care.

Walk Score: 81 / 100

Very walkable. Most errands can be accomplished on foot, and many essentials are within a short walk.

Additional licensing details

Year opened: 2002

Ownership & operating entity

Nonprofit ownership: No

Type Of Units

Traditional

120 units

Total beds

120 units

Contact Information

Fax: (508) 997-1599

Business Hours: Monday - Friday 9:00 AM - 5:00 PM

Additional Policies & Features

Continuing Care Retirement Community (CCRC)

Payment & Funding Options

Low income options

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Bed Options: Studio / 1 Bed

Matterport

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114 Riverside Avenue New Bedford, MA 02746

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Home Care Program

MassHealth Home Care

General: Age 60+, Massachusetts resident, at risk of nursing home placement.

Income Limits (2025): ~$1,500/month (individual, varies by region).

Asset Limits: $2,000 (individual, excludes home, car).

MA Specifics: Coordinated through Aging Services Access Points (ASAPs); high demand in urban areas.

Frail Elder Waiver

Massachusetts Medicaid FE Waiver

General: Age 65+, Massachusetts 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).

MA Specifics: Requires clinical eligibility determination.

Senior Care Options (SCO)

Massachusetts Senior Care Options

General: Age 65+, Massachusetts resident, eligible for MassHealth (Medicare optional), nursing home-level care need.

Income Limits (2025): ~$2,829/month (300% FBR, individual); QIT allowed.

Asset Limits: $2,000 (individual), $3,000 (couple) (excludes home up to $713,000, car).

MA Specifics: Not available in Dukes/Nantucket Counties; multiple SCO providers (e.g., CCA, Tufts).

Medicare Savings Program (MSP)

Massachusetts Medicare Savings Program (MassHealth Buy-In)

General: Age 65+ or disabled, Massachusetts 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).

MA Specifics: Three tiers; no waitlist; includes Extra Help for Part D.

National Family Caregiver Support Program (NFCSP) Respite

Massachusetts NFCSP Respite Care

General: Caregivers of 60+ needing care or 55+ caregivers of others; Massachusetts resident; functional needs (2+ ADLs).

Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.

Asset Limits: Not assessed; need-based.

MA Specifics: 27 ASAPs; prioritizes low-income, rural caregivers.

Prescription Advantage

Massachusetts Prescription Advantage

General: Age 65+ or disabled, Massachusetts resident, enrolled in Medicare Part D (or ineligible for Medicare).

Income Limits (2025): No strict limit; copays vary by income (~$24,980-$75,000/year individual).

Asset Limits: Not assessed.

MA Specifics: Supplements Medicare Part D; no enrollment fee for low-income.

Senior Community Service Employment Program (SCSEP)

Massachusetts SCSEP

General: Age 55+, unemployed, low-income, Massachusetts resident.

Income Limits (2025): ~$1,983/month (125% FPL).

Asset Limits: Not specified; income-focused.

MA Specifics: Priority for veterans, rural residents; AARP partnership.

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

Massachusetts VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, Massachusetts 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).

MA Specifics: High veteran demand statewide.

Who we are

Your Senior Care Partner, Every Step of the Way

We help families find affordable senior communities and unlock same day discounts, Medicaid, and Medicare options tailored to your needs.

Whaler‘s Cove Assisted Living

Whaler‘s Cove Assisted Living is an Assisted Living Home in Massachusetts

Whaler‘s Cove Assisted Living is an Assisted Living Home in Massachusetts

Whaler‘s Cove Assisted Living

Whaler‘s Cove Assisted Living is an Assisted Living Home in Massachusetts