Search 716 assisted living facilities in Indiana
The Hoosier State can offer just about any lifestyle you’re looking for whether it be a fast paced, big city environment or something quiet and pastoral. There are many reasons Indiana would make a great choice for your retirement but there are some things to take into consideration before settling on a particular city.
The costs for Assisted Living Care in Indiana typically runs $3,528 per month ($42,330 per year). This is a considerably lower expense than their nursing homes which run approximately $91,980 annually for a private room and $76,650 for a semi private room. However, a nursing home in Indiana provides a number of services that the in-home care retiree may have to pay for in addition to base costs.
Typically, Adult Day Health Care is $1,679 per month, which averages around $20,150 per year. A Home Health Aide costs, on average $3,813 a month, based on a 44 hour week ($125 daily), coming to $45,760 per year. Based on the same work week, Homemaker Services average $3,718 monthly which comes to approximately $44,616 per year. Though they provide a number of services the senior individual needs, they only do minor housekeeping and so a full-time housekeeper might also be necessary. This could possibly double the financial burden on the elderly. If memory care is required, the rates average $4,600 monthly, as a specially trained nurse/caretaker will be required.
City by city - Indiana assisted living costs vary quite a lot throughout the state, starting at just a bit over $2500 per month and going up to as high as $4500 per month:
There are several areas that use the Program of All-Inclusive Care for the Elderly (PACE). This is a health care system designed for aging persons who are certified by the state of Indiana to require nursing home care. The goal is to allow them, whenever possible, to remain in their homes while receiving the care they need. If you live in one of the PACE service areas, these are the further qualifications:
If it should become necessary to move into a nursing home, PACE will continue to cover and advocate care. The two approved PACE programs in Indiana are The Franciscan Senior Health and Wellness PACE program and the St Joseph PACE program. Indiana also has a Medicaid Waiver system or Home and Community Based Services (HCBS) so an applicant might receive care in a non-Medicaid facility. They have to qualify for Medicaid and be a candidate for institutionalized care. There could be a waiting list as waivers are granted on a first come, first served basis. The Aged and Disabled Waiver (A&D) will support both home based services as well as nursing home care. To receive Medicaid as a disabled or elderly person in Indiana, you must meet certain eligibility requirements.
The non-applicant spouse may own up to $119,220 in assets without affecting the institutionalized spouse’s qualification. If the non-applicant spouse owns less than the minimum of $23,844 worth of assets, they may transfer income from the applicant spouse to meet the minimum.
The Hoosier State tends to have humid summers with temperatures in the 70s, occasionally as high as 80 degrees. Winters are very cold with often harsh weather. Tornados often occur in March and April, but then the weather becomes much milder in the Spring. Where the northern border intersects with Lake Michigan, the surrounding cities will see heavier annual snowfall, sometimes as great as 76 inches. The rest of the state sees around 14 inches over the winter months. Indiana has never experienced a drought, though there are regions that suffer from annual flooding. Rainfall averages around 4 inches in each of the cooler months and 3 inches per month during the summer.
Indiana provides many services one would expect from a Long Term Care program for seniors and caretakers. Such services are coordinated through the Indiana Association of Area Agencies on Aging (IAAAA). There are 16 Area Agencies on Aging (AAA) throughout the state and their function is to provide services, assistance, and advocacy for the aging and disabled. Each one has its own website listing the services they provide. Links to each region’s AAA and a printable map are provided on the Family and Social Services Administration website under Aging Services. Each of the AAAs provides programs within multiple categories.
The Census Bureau estimates that the population of Indiana last year was 6,633,053 people. About 14% of those are 65 and up. White people make up 85%, Black or African Americans are at 9%, American and Alaska Natives are 0.4%, Asian are 1.6%, Hispanic or Latino equal over 6% and mixed race persons are 1%. There are 426,493 veterans in Indiana. Foreign born residents make up about 4%. The latest Census surveyed the ancestral claims of the residents, finding that 22% were German, 10% Irish, 12% American (no specific ancestry), 8% British, and a wide selection of others making up less than 5% each. The largest religious group are Catholic with 747,706 adherents, followed by the United Methodist Church with 355,043 adherents. Throughout the state there is a diverse selection of religious bodies, so you are likely to find a congregation specific to your faith.
English is the only language spoken by 93% of Hoosiers. Spanish is spoken by 3% of the population and is growing. Various Indo-European languages are used by 2% and Asian and Pacific Islander languages are spoken by less than 1%. Indiana has been known as the Hoosier State for more than 150 years though the origins of the word are debated. Residents had called themselves Hoosiers or Indianans interchangeably but in January of 2017, the state officially adopted Hoosier as its nickname for Indiana residents. This gives them the distinction of being the only citizens whose nickname is not somehow derived from the name of the state.
All but one of the 92 counties in Indiana levy a local income tax in addition to the state tax of 3.3%, bringing it up to as high as 6% in some places. The sales tax is 7%. They have no inheritance or estate tax in Indiana. There are some possible tax deductions for Indiana elders who meet the specified requirements:
There are a great number of attractions throughout the Hoosier State for whatever your desired level of activity and areas of interest. These are just a few examples of what Indiana has to offer.
Generally speaking, Indiana should be able to suit anyone’s retirement needs with a little bit of research. If you prefer a warmer and/or tamer climate, Indiana may not be a great choice. The cost of living in Indiana is just below the national average in all areas except housing which is almost 40% lower but the bigger, more tourist-friendly cities can be much higher. Be sure to look up local hospital and medical services availability before settling on a small town because some of them may not easily meet your needs. Whatever your preference, be it a busy, active lifestyle or a quiet, country setting, the Hoosier State can accommodate these and almost anything in between.
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SeniorGuidance.org provides comprehensive resources on various senior living options, including: assisted living facilities, senior living communities, nursing homes, independent living communities, continuing care retirement communities (CCRC) and all other long term senior care options, including memory care such as Alzheimer's or Dementia.
Additional senior living options in Indiana:Senior Apartments in Indiana Nursing Homes in Indiana Memory Care in Indiana
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