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    When Assisted Living Is Needed

    These are the signs that your loved one may benefit from moving to a facility equipped to manage their healthcare needs

    photo illustrated collage of exterior of assisted living home, aide helping senior, and person playing chess with senior Illustration: Barbara Gibson

    Nearly 8 out of 10 older adults would rather stay in their own home than move, according to a 2022 AARP survey. But that’s not always possible. Depending on your loved one’s needs, your family member might find an assisted living facility or nursing home more affordable, and it may provide more care and medical oversight than you can manage on your own, says Steven Barlam, CEO of JFS Care in Los Angeles. These signs may indicate that it’s time to consider a move.

    You Are Paying a Lot for a Full Schedule of Care
    Eight to 10 hours of care a day, seven days a week, can easily run $120,000 a year or more. That’s almost twice the median cost for a one-bedroom apartment in assisted living, which averages roughly $64,200, according to a 2023 survey by Genworth, while a one-bedroom in a skilled nursing facility is $116,800.

    Constant Medical Monitoring Is Required
    It may be increasingly difficult to meet your loved one’s health needs. Perhaps he or she has a complex medical condition, such as Parkinson’s or coronary heart disease, that calls for frequent nursing attention and oversight.

    More on Elder Care

    Severe Dementia Is Raising Risks
    The family member may be increasingly prone to wandering or acting out, making it difficult to maintain safety and posing a challenge to family members as well as at-home caregivers.

    Two People Are Needed to Get the Loved One Out of Bed Safely
    If more than one caregiver needs to be present to transfer your family member to a wheelchair or to supervise toileting or a shower, that will raise costs and risks.

    The Home Cannot Be Made Accessible
    For those with mobility issues, a home with stairs or a bathroom that lacks adaptive features, such as a no-step shower, presents a major risk of a fall.

    Your Loved One Has Few Opportunities to See People on a Regular Basis
    Perhaps lack of mobility, or distance from family members and friends, is leaving your loved one isolated. That could affect their mental health.

    Your Family Member’s Needs Are Escalating and May Surpass Your Ability to Provide Care
    There can be a tipping point where you can’t manage the care or the costs," says Kate Granigan of the Aging Life Care Association. So to avoid a last-minute scramble, it is important to do some advance research on alternatives and have a plan in place.

    Editor’s Note: This article also appeared in the January/February 2025 issue of Consumer Reports magazine.


    Penelope Wang

    Penelope Wang

    I cover everything from retirement planning to taxes to college saving. My goal is to help people improve their finances, so they have less stress and more freedom. What I enjoy: walks through the city, time with family, and reading mysteries, though I rarely guess who did it.