Housing Options: Saving Money On In-Home Care – Affordable Housing

    Published: 06-16-2009
    Views: 8,206
    Mary Alexander with Home Instead Senior Care gives some tips for providing in-home care during a recession or other difficult financial times. This video will focus on some affordable housing options for seniors.

    Mary Alexander: Hi! I'm Mary Alexander from Home Instead Senior Care. I am discussing how to provide in home care during a recession. And now I am going to talk about some affordable housing options for seniors.

    Most seniors prefer staying in their own homes. Doing so provides them with a sense of independence and stability. However, there are some instances where remaining in the family home is no longer feasible. And in some cases, that might be due o financial constraints. If affordable housing is required by your senior loved one, there are two main options. The first are public housing and voucher programs offered through the local public housing agency. And the second is affordable senior housing through the US Department of Housing and Urban Developments or HUD's 202 Program.

    Let's talk about public housing first. Public housing was established to provide decent and safe rental housing for eligible low-income families, the elderly, and persons with disabilities. Public housing comes in all sizes and types from scattered single family houses to high rise apartments for elderly families. There are approximately 1.

    2 million households living in public housing units managed by some 3,300 housing agencies. A housing agency determines eligibility based on first annual gross income. Second, whether the individual qualify as elderly and, third US citizenship or eligible immigration status. Housing agencies use income limits developed by HUD. It's important to note that income limits vary from area to area. The housing agency servicing your senior's community can provide you with the details or you can find them on the internet. If you think your senior might qualify and you are interested in applying for public housing, contact your senior's local housing agency. If units are unavailable the housing agency may recommend housing choice vouchers also know as Section 8, which allow very low-income families and individuals to choose and lease or purchase safe, decent, and affordable privately owned rental housing. Another option affordable senior housing under HUD's 202 program offers subsidized housing and rental assistance for individuals over 62, who had incomes under 50% of the area median income. According to HUD, the average section 202 resident is a woman in her seventies with an annual income of less than $10,000. Section 202 residences are built and run by private, non-profit groups who have received loan incentives from HUD.

    However, HUD is not involved in day-to-day operations. Rents are calculated according to income and rental assistance funds pay whatever balance remains. These communities often help residents access a variety of healthcare, transportation and other services such as meal delivery programs and social activities. Often these communities have accessible apartment available for seniors with mobility or other problems. Many also offer supported service coordination that help individuals receive the services they may need to age in-place.

    There is often limited availability in affordable senior housing communities. If units aren't available immediately, ask if they have a waiting list, and how long a person can expect to be on it before there is an apartment available.

    Other important questions to consider include, what are the income limits for the property, is there a service coordinator available to assist residents that may need services. And if yes, what services can a coordinator help a resident access in the community. To find an affordable senior housing community visit HUD's Apartment Search Website at hud.

    gov/directory or the American Association of Homes and Services for the Aging members directory at aahsa.

    org. Regardless of where they live some senior seek outside activities or need some additional care during the day. For these people, there are senior centers and adult care centers. We'll talk about those options in the next video.