[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fCqug3_CHIcfK1_a4SeXlWB621BYwTV4V_9SSmlyK_OY":3},{"data":4,"headers":640},{"brand":5,"route":6,"title":7,"seo":8,"components":19,"pageMeta":437,"dataSources":452},"asl","\u002Fcaregivers-guide\u002Ffinancials\u002Fis-there-financial-planning-for-senior-living","Is there financial planning for senior living?",{"_uid":9,"title":10,"ogType":11,"robots":12,"schema":13,"ogTitle":10,"ogLocale":14,"component":15,"description":16,"twitterCard":17,"ogDescription":16,"geo.position":18,"geo.placename":18,"geo.region":18},"1876b525-8ed5-445b-b134-e80366a466c2","Is There Financial Planning for Assisted Living? │ Atria Senior Living","website","index,follow,max-snippet:-1,max-image-preview:large,max-video-preview:-1","{\n  \"@context\": \"http:\u002F\u002Fschema.org\",\n  \"@type\": \"Article\",\n  \"name\": \"Is there financial planning for senior living?\",\n  \"headline\": \"Is there financial planning for senior living?\",\n  \"image\": \"https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F1920x1080\u002F1c065d54be\u002F20211012_atria_shot11_lounge_0054_ret_16x9.jpeg\",\n  \"datePublished\": \"2022-02-18\",\n  \"dateModified\": \"2025-01-03\",\n  \"articleBody\": \"While providing care for your older parent or family member, you may their needs increasing over time – along with the cost of in-home care. Or, perhaps providing care is increasingly straining your mental and emotional well-being. No matter the circumstances, you’re considering senior living as a possible alternative. However, cost is an important factor. Determining whether or not your family can afford senior living is a question you can’t avoid, but don’t let assumptions about cost make you to jump to conclusions. Thoughtful and careful planning may take a bit of time, energy and discussion, but it may be worth the investment. Can you afford a senior living community? Modifying your parent’s existing home for safety and paying for in-home assistance, utilities, mortgage, transportation and other necessities adds up quickly. You may find that senior living actually saves your family money because it covers many living expenses in a single monthly rate. The average monthly cost of senior living can vary depending on factors such as location, what level of care is needed and what type of community is desired. For more information on the different types of senior living care services, watch the video below. How do you pay for assisted living? Is there a list of resources? Below, you will find ideas, resources and tools that can help you cover the cost of assisted living. Traditional resources Veterans benefits Loans Life insurance policies Long-term care benefit plans Real estate Working with a financial professional can help you identify the best course of action for your situation, which may include a combination of options. 1. Traditional resources The most common methods to pay for assisted living are to use private funds, such as savings and investments, and sell high-value items, such as antiques, automobiles and furniture. Pensions, Social Security and retirement accounts – such as a 401(k) and IRA – are also commonly used. 2. Veterans benefits Is your parent a veteran? The Department of Veterans Affairs has established the Aid and Attendance pension for veterans and their surviving spouses, which can be used to fund senior living. To qualify, a veteran must have: At least 90 days of active military service with at least one day of service during a period of national conflict, with honorable discharge, or be their single surviving spouse A medical diagnosis requiring assistance with two or more activities of daily living Insufficient monthly income to purchase required care Limited liquid assets, such as savings and retirement funds If this may be a viable option to help cover the expense of senior living, please contact your local Veterans Affairs office for more information. 3. Loans Your parent may consider tapping into their home’s equity as a possible resource for additional income; it may also be tax-deductible. A home equity line of credit is similar to a home equity loan; however, the line of credit allows you to borrow from an available pool of money as needed and only pay interest on the money borrowed. A reverse mortgage works in some situations, though it requires at least one homeowner to continue living in the house. Personal loans may be a good short-term option, although interest isn’t tax-deductible and rates can be high, so they generally aren’t suggested. Talk to a trusted financial advisor to explore if this option is potentially useful for your family. 4. Life insurance policies There are several ways your parent can use their current life insurance policy to free up cash that can be used to help fund their living needs. Here are a few things to consider: Your parent can take a loan from their current life insurance policy, with the understanding that it will reduce their policy benefits accordingly A life insurance policy can be surrendered to receive a cash payout Learn if their policy features an accelerated death benefit rider, which may give your parent access to a portion of the death benefit if they become terminally ill Your parent can take a life settlement, where he or she can sell their existing life insurance policy to a third-party company that typically pays more than the surrender value Your parent may be able to convert their life insurance policy to a long-term care benefit plan Before making a decision, talk to your trusted health insurance professional or financial advisor. Before making a decision, talk to your trusted health insurance professional or financial advisor. 5. Long-term care benefit plans Long-term care insurance covers individuals who need care or assistance with several activities of daily living, such as bathing and dressing. Coverage of expenses begins after a designated waiting period. If your parent needs assisted living, in-home care services or skilled nursing care and does not have long-term care insurance or the funds to cover associated costs – and they do not qualify for Medicaid – they may be able to convert their existing life insurance policy to a long-term care benefit plan. This plan covers assisted living and long-term care expenses at the time services are needed, without requiring your parent to spend down their financial assets to qualify for Medicaid coverage. For more information on converting a life insurance policy into a long-term senior care plan, contact your trusted insurance professional or financial advisor.\u002Fp> 6. Real estate While selling your parent’s home through a real estate agent is a good option, many families capitalize on real estate investments without giving up their homes. Your parent may consider selling their home to a family member to keep it in the family, or they may want to rent their home to a family member until everyone is ready to make a long-term decision. It’s important to keep in mind that the sale of a property could also include a tax payment resulting from appreciating over time. Be sure to consult with a financial advisor or certified public accountant to fully understand the tax implications of selling a property. Seek guidance from the experts The options listed in this guide are intended to be a starting point for you and your family. To determine what works best for your family’s unique situation, consult with a trusted tax professional or financial advisor to explore all of your options. They may also be able to introduce you to government benefits and programs that are available for older adults and their caregivers.\",\n  \"url\": \"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fcaregivers-guide\u002Ffinancials\u002Fis-there-financial-planning-for-senior-living\",\n\"video\": [{\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"What types of care does senior living offer?\",\n\t\"description\": \"Atria's National Care Director Karen Devaney breaks down each level of care from independent living to assisted living and memory care. If you're unsure where your family member best fits, she discusses how certain behaviors and needs can indicate the right living option, whether it’s enjoying the freedom and social activities of independent living, the personalized attention of assisted living or the specialized, secure environment of memory care. Subscribe to our channel for more videos on all things senior living.\",\n\t\"thumbnailUrl\": \"https:\u002F\u002Fimg.youtube.com\u002Fvi\u002FqxoGEsCexp4\u002F0.jpg\",\n\t\"uploadDate\": \"2022-07-27\",\n\t\"duration\": \"PT0H3M22S\",\n\t\"contentUrl\": \"https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=qxoGEsCexp4\",\n\t\"embedUrl\": \"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FqxoGEsCexp4?si=B1X_WwEKQqIuAIhu\"\n}, {\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"Talking to Your Parent About Selling Their Home and Moving to Senior Living\",\n\t\"description\": \"In this video, Divisional Sales Specialist Kim Sims draws from personal experience and years of expertise to give advice on how to have this discussion and make the transition smoother. Here are some tips she shares for this process: • Involve Your Parent: It's important to approach the conversation with empathy and patience, acknowledging the deep memories associated with their home. • Seek Neutral Assistance: Getting help from healthcare professionals may provide an objective perspective that can ease the process. • Research and Trial Stays: Short-term stays can help your parent get a taste of a potential new community without the pressure. • Consider the Logistics: Downsizing, dealing with movers and sorting personal belongings all require thoughtful decision making. • Lean on Help When You Need It: The community you choose can provide ongoing support. We understand these conversations and processes aren't just about the practical steps but also about emotional transitions. That’s why Kim provides empathetic and actionable tips to help you and your parent. For more in-depth discussions on caregiving and helpful advice, visit TheCaregiversGuide.com and subscribe to this channel for more resources.\",\n\t\"thumbnailUrl\": \"https:\u002F\u002Fimg.youtube.com\u002Fvi\u002FbCng9tPMTcQ\u002F0.jpg\",\n\t\"uploadDate\": \"2022-07-27\",\n\t\"duration\": \"PT0H3M11S\",\n\t\"contentUrl\": \"https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=bCng9tPMTcQ\",\n\t\"embedUrl\": \"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FbCng9tPMTcQ?si=N7MXEhuwhldG4uBX\"\n}]\n}","en_US","seo-fields","Wondering if assisted living or senior living is affordable? This informative guide discusses six resources that can be helpful for your family.","summary","",[20,234,239,253,269,281,407],{"componentName":21,"props":22},"BrandNavigation",{"facCtaText":23,"keyMarkets":24,"companyLogo":122,"facLocation":129,"brandNavLinks":130,"topOffset":221,"facPlaceholder":222,"companyNavLinks":223,"findCommunityCopy":233},"Search Now",[25,29,32,35,38,41,44,47,50,53,56,59,62,65,68,71,74,77,80,83,86,89,92,95,98,101,104,107,110,113,116,119],{"link":26,"text":27,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-arizona","Arizona","LinkObject",{"link":30,"text":31,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-california","California",{"link":33,"text":34,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-inland-empire-ca","– Inland Empire",{"link":36,"text":37,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-orange-county-ca","– Orange 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Jersey",{"link":84,"text":85,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-new-york","New York",{"link":87,"text":88,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-manhattan-bronx-ny","– Manhattan–Bronx",{"link":90,"text":91,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-nassau-county-ny","– Nassau County",{"link":93,"text":94,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-north-shore-ny","– North Shore",{"link":96,"text":97,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-queens-ny","– Queens",{"link":99,"text":100,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-suffolk-county-ny","– Suffolk County",{"link":102,"text":103,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-westchester-county-ny","– Westchester County",{"link":105,"text":106,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-north-carolina","North Carolina",{"link":108,"text":109,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-pennsylvania","Pennsylvania",{"link":111,"text":112,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-rhode-island","Rhode Island",{"link":114,"text":115,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-south-carolina","South Carolina",{"link":117,"text":118,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-tennessee","Tennessee",{"link":120,"text":121,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-texas","Texas",{"id":123,"alt":18,"name":18,"focus":18,"title":18,"source":124,"filename":125,"copyright":18,"fieldtype":126,"meta_data":127,"is_external_url":128,"description":18},960639,"https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F229x45\u002Fcca6b906e0\u002Fasl_brandlogo.svg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F229x45\u002Fcca6b906e0\u002Fasl_brandlogo.svg","asset",{},false,"\u002Fretirement-communities?location=",[131,157,173,192],{"link":132,"text":133,"children":134,"component":156},"\u002Fatria-lifestyle","Atria Lifestyle",[135,138,141,144,147,150,153],{"link":136,"text":137,"component":28},"\u002Fatria-lifestyle\u002Flifestyle","Lifestyle",{"link":139,"text":140,"component":28},"\u002Fatria-lifestyle\u002Fservices-and-amenities","Services & Amenities",{"link":142,"text":143,"component":28},"\u002Fatria-lifestyle\u002Fcuisine","Cuisine",{"link":145,"text":146,"component":28},"\u002Fatria-lifestyle\u002Fengage-life","Engage Life",{"link":148,"text":149,"component":28},"\u002Fatria-lifestyle\u002Fquality-enhancement","Quality Enhancement",{"link":151,"text":152,"component":28},"\u002Fatria-lifestyle\u002Four-staff","Our Staff",{"link":154,"text":155,"component":28},"\u002Fatria-lifestyle\u002Fpets","Pets","LinkObjectWithChildren",{"link":158,"text":159,"children":160,"component":156},"\u002Fcare-services","Care Services",[161,164,167,170],{"link":162,"text":163,"component":28},"\u002Fcare-services\u002Four-care","Our Care",{"link":165,"text":166,"component":28},"\u002Fcare-services\u002Findependent-living-and-assisted-living","Independent & Assisted Living",{"link":168,"text":169,"component":28},"\u002Fcare-services\u002Fmemory-care","Memory Care",{"link":171,"text":172,"component":28},"\u002Fcare-services\u002Fshort-term-stays","Short-Term Stays",{"link":174,"text":175,"children":176,"component":156},"\u002Fmaking-a-plan","Making a Plan",[177,180,183,186,189],{"link":178,"text":179,"component":28},"\u002Fmaking-a-plan\u002Ffinancial-planning","Financial Planning",{"link":181,"text":182,"component":28},"\u002Fmaking-a-plan\u002Fmoving-vs-staying","Moving vs. Staying",{"link":184,"text":185,"component":28},"\u002Fmaking-a-plan\u002Fcomparing-options","Comparing Options",{"link":187,"text":188,"component":28},"\u002Fmaking-a-plan\u002Fdisaster-preparedness","Disaster Preparedness",{"link":190,"text":191,"component":28},"\u002Fmaking-a-plan\u002Ffrequently-asked-questions","FAQs",{"link":193,"text":194,"children":195,"component":156},"\u002Fcaregivers-guide","Caregiver's Guide",[196,197,200,203,206,209,212,215,218],{"link":193,"text":194,"component":28},{"link":198,"text":199,"component":28},"\u002Fcaregivers-guide\u002Fsenior-aging-health","Senior Aging & Health",{"link":201,"text":202,"component":28},"\u002Fcaregivers-guide\u002Ffamily-dynamics","Family Dynamics",{"link":204,"text":205,"component":28},"\u002Fcaregivers-guide\u002Fcaregiving","Caregiving",{"link":207,"text":208,"component":28},"\u002Fcaregivers-guide\u002Fmaking-the-decision","Making the Decision",{"link":210,"text":211,"component":28},"\u002Fcaregivers-guide\u002Ffinancials","Financials",{"link":213,"text":214,"component":28},"\u002Fcaregivers-guide\u002Falzheimers-dementia","Alzheimers & Dementia",{"link":216,"text":217,"component":28},"\u002Fcaregivers-guide\u002Fvideo-gallery","Video Gallery",{"link":219,"text":220,"component":28},"\u002Fcaregivers-guide\u002Fwhere-to-begin","Where to Begin",0,"Search by city, state, or zip code",[224,227,230],{"link":225,"text":226,"component":28},"https:\u002F\u002Fexpresspay.alineops.com\u002FAtria\u002FLogin","Pay Online",{"link":228,"text":229,"component":28},"https:\u002F\u002Fatriacareers.com\u002Fcareers\u002F","Careers",{"link":231,"text":232,"component":28},"\u002Fcontact-us","Contact Us","Find a Community",{"componentName":235,"props":236},"ContentHubArticleHero",{"topLine":128,"className":18,"bottomLine":128,"topPadding":128,"componentId":18,"bottomMargin":237,"allowMaxWidth":128,"bottomPadding":128,"lastUpdatedCopy":238,"extraContainerClassName":18},true,"Last Updated",{"componentName":240,"props":241},"ContentHubArticleBody",{"topLine":128,"className":18,"bottomLine":128,"topPadding":128,"componentId":18,"bottomMargin":237,"cardLinkText":242,"nextPostCopy":243,"allowMaxWidth":128,"bottomPadding":128,"articleContent":244,"watchVideoCopy":245,"emailSignupCopy":246,"readArticleCopy":242,"nextPostHeaderTag":247,"emailSignUpCtaText":248,"recommendationCopy":249,"emailSignUpSuccessTitle":250,"extraContainerClassName":18,"recommendationHeaderTag":247,"nextPostHeaderStyleLevel":251,"emailSignUpSuccessMessage":252,"recommendationHeaderStyleLevel":251},"Read the article","Up next","\u003Cp class=\"copy copy--is-font-primary\">While providing care for your older parent or family member, you may their needs increasing over time – along with the cost of in-home care. Or, perhaps providing care is increasingly straining your mental and emotional well-being. No matter the circumstances, you’re \u003Ca href=\"https:\u002F\u002Fcdn.atriaops.net\u002Fasl\u002FPDFs\u002FATRIA-16741_HomeVsAtria_d2sd8Tvg4.pdf?updatedAt=1727728226918\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">considering senior living as a possible alternative\u003C\u002Fa>. However, cost is an important factor. \n\u003Cbr>\u003Cbr>\nDetermining whether or not your family can afford senior living is a question you can’t avoid, but don’t let assumptions about cost make you to jump to conclusions. Thoughtful and careful planning may take a bit of time, energy and discussion, but it may be worth the investment.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Can you afford a senior living community?\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Modifying your parent’s existing home for safety and paying for in-home assistance, utilities, mortgage, transportation and other necessities adds up quickly. You may find that senior living actually saves your family money because it covers many living expenses in a single monthly rate.\n\u003Cbr>\u003Cbr>\nThe average monthly cost of senior living can vary depending on factors such as location, \u003Ca href=\"\u002Fcaregivers-guide\u002Fmaking-the-decision\u002Fwhat-levels-of-care-does-my-mom-need\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">what level of care is needed\u003C\u002Fa> and what type of community is desired.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">How do you pay for assisted living? Is there a list of resources?\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Below, you will find ideas, resources and tools that can help you cover the cost of assisted living.\u003C\u002Fp>\n\u003Col class=\"number-list spacing spacing--is-pt-xsmall\">\n \t\u003Cli class=\"copy copy--is-font-primary\">\u003Ca href=\"#1\" class=\"link has-text-asl-content-hub-financials\">Traditional resources\u003C\u002Fa>\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-primary\">\u003Ca href=\"#2\" class=\"link has-text-asl-content-hub-financials\">Veterans benefits\u003C\u002Fa>\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-primary\">\u003Ca href=\"#3\" class=\"link has-text-asl-content-hub-financials\">Loans\u003C\u002Fa>\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-primary\">\u003Ca href=\"#4\" class=\"link has-text-asl-content-hub-financials\">Life insurance policies\u003C\u002Fa>\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-primary\">\u003Ca href=\"#5\" class=\"link has-text-asl-content-hub-financials\">Long-term care benefit plans\u003C\u002Fa>\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-primary\">\u003Ca href=\"#6\" class=\"link has-text-asl-content-hub-financials\">Real estate\u003C\u002Fa>\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cbr>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Working with a financial professional can help you identify the best course of action for your situation, which may include a combination of options.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ca name=\"1\">\u003C\u002Fa>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">1. Traditional resources\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">The most common methods to pay for assisted living are to use private funds, such as savings and investments, and sell high-value items, such as antiques, automobiles and furniture. Pensions, Social Security and retirement accounts – such as a 401(k) and IRA – are also commonly used.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ca name=\"2\">\u003C\u002Fa>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">2. Veterans benefits\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Is your parent a veteran? The Department of Veterans Affairs has established the \u003Ca href=\"https:\u002F\u002Fwww.va.gov\u002Fpension\u002Faid-attendance-housebound\u002F\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">Aid and Attendance pension for veterans and their surviving spouses\u003C\u002Fa>, which can be used to fund senior living. To qualify, a veteran must have:\u003C\u002Fp>\n\u003Cul class=\"bullet-list spacing spacing--is-pt-xsmall\">\n \t\u003Cli class=\"copy copy--is-font-primary\">At least 90 days of active military service with at least one day of service during a period of national conflict, with honorable discharge, or be their single surviving spouse\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-primary\">A medical diagnosis requiring assistance with two or more activities of daily living\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-primary\">Insufficient monthly income to purchase required care\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-primary\">Limited liquid assets, such as savings and retirement funds\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cbr>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">If this may be a viable option to help cover the expense of senior living, please contact your local \u003Ca href=\"https:\u002F\u002Fwww.va.gov\u002Ffind-locations\u002F\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">Veterans Affairs office\u003C\u002Fa> for more information.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ca name=\"3\">\u003C\u002Fa>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">3. Loans\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Your parent may consider tapping into their home’s equity as a possible resource for additional income; it may also be tax-deductible. A home equity line of credit is similar to a home equity loan; however, the line of credit allows you to borrow from an available pool of money as needed and only pay interest on the money borrowed. \u003Ca href=\"https:\u002F\u002Fwww.consumer.ftc.gov\u002Farticles\u002F0192-reverse-mortgages\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">A reverse mortgage\u003C\u002Fa> works in some situations, though it requires at least one homeowner to continue living in the house.\n\u003Cbr>\n\u003Cbr>\nPersonal loans may be a good short-term option, although interest isn’t tax-deductible and rates can be high, so they generally aren’t suggested. Talk to a trusted financial advisor to explore if this option is potentially useful for your family.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ca name=\"4\">\u003C\u002Fa>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">4. Life insurance policies\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">There are several ways your parent can use their current life insurance policy to free up cash that can be used to help fund their living needs. Here are a few things to consider:\u003C\u002Fp>\n\u003Cul class=\"bullet-list spacing spacing--is-pt-xsmall\">\n\u003Cli class=\"copy copy--is-font-primary\">Your parent can take a loan from their current life insurance policy, with the understanding that it will reduce their policy benefits accordingly\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">A life insurance policy can be surrendered to receive a cash payout\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Learn if their policy features an accelerated death benefit rider, which may give your parent access to a portion of the death benefit if they become terminally ill\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Your parent can take a life settlement, where he or she can sell their existing life insurance policy to a third-party company that typically pays more than the surrender value\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Your parent may be able to convert their life insurance policy to a long-term care benefit plan\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Before making a decision, talk to your trusted health insurance professional or financial advisor.\u003C\u002Fli>\u003C\u002Ful>\n\u003Cbr>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Before making a decision, talk to your trusted health insurance professional or financial advisor.\u003C\u002Fp>\n\u003Cbr>\u003Cbr>\n\u003Ca name=\"5\">\u003C\u002Fa>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">5. Long-term care benefit plans\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Long-term care insurance covers individuals who need care or assistance with several activities of daily living, such as bathing and dressing. Coverage of expenses begins after a designated waiting period.\n\u003Cbr>\n\u003Cbr>\nIf your parent needs assisted living, in-home care services or skilled nursing care and does not have long-term care insurance or the funds to cover associated costs – and they do not qualify for \u003Ca href=\"https:\u002F\u002Fwww.medicaid.gov\u002F\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">Medicaid\u003C\u002Fa> – they may be able to \u003Ca href=\"https:\u002F\u002Facl.gov\u002Fltc\u002Fcosts-and-who-pays\u002Fwho-pays-long-term-care\u002Fusing-life-insurance-to-pay-for-long-term-care\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">convert their existing life insurance policy to a long-term care benefit plan\u003C\u002Fa>.\n\u003Cbr>\n\u003Cbr>\nThis plan covers assisted living and long-term care expenses at the time services are needed, without requiring your parent to spend down their financial assets to qualify for Medicaid coverage.\n\u003Cbr>\n\u003Cbr>\nFor more information on converting a life insurance policy into a \u003Ca href=\"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fcaregivers-guide\u002Fcaregiving\u002Ffacing-the-future-the-importance-of-having-a-senior-care-plan\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">long-term senior care plan\u003C\u002Fa>, contact your trusted insurance professional or financial advisor.\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ca name=\"6\">\u003C\u002Fa>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">6. Real estate\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">While selling your parent’s home through a real estate agent is a good option, many families capitalize on real estate investments without giving up their homes. Your parent may consider selling their home to a family member to keep it in the family, or they may want to rent their home to a family member until everyone is ready to make a long-term decision.\n\u003Cbr>\n\u003Cbr>\n\u003Cdiv class=\"video-container\">\u003Ciframe class=\"radius radius--large video video--16-9\" src=\"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FbCng9tPMTcQ?si=KpPUu7o84q_UppLA\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen=\"\" >\u003C\u002Fiframe>\u003C\u002Fdiv>\n\u003Cbr>\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">It’s important to keep in mind that the sale of a property could also include a tax payment resulting from appreciating over time. Be sure to consult with a financial advisor or certified public accountant to fully understand the tax implications of selling a property.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Seek guidance from the experts\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">The options listed in this guide are intended to be a starting point for you and your family. To determine what works best for your family’s unique situation, consult with a trusted tax professional or financial advisor to explore all of your options. They may also be able to introduce you to \u003Ca href=\"\u002Fcaregivers-guide\u002Fcaregiving\u002Fa-caregivers-guide-to-government-benefits-for-seniors-over-65\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">government benefits and programs\u003C\u002Fa> that are available for older adults and their caregivers.\u003C\u002Fp>","Watch the video","Want to learn more about life at Atria Senior Living?","h2","Sign Up","You might also like","Thank you for subscribing!","4","You'll receive an email shortly. You can unsubscribe anytime.",{"componentName":254,"props":255},"ImageCopyBlock",{"copy":18,"image":256,"ctaLink":219,"ctaText":262,"topLine":128,"ctaColor":263,"htmlCopy":264,"className":18,"isFlipped":237,"mainTitle":265,"textColor":266,"bottomLine":128,"supertitle":18,"topPadding":237,"componentId":18,"bottomMargin":128,"mainTitleTag":247,"showAslCurve":128,"allowMaxWidth":128,"bottomPadding":237,"isDarkModeCta":128,"backgroundColor":267,"mainTitleStyleLevel":268,"extraContainerClassName":18},{"id":257,"alt":258,"name":18,"focus":18,"title":18,"source":259,"filename":260,"copyright":18,"fieldtype":126,"meta_data":261,"is_external_url":128,"description":18},1010320,"illustration of three people gardening together","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F2560x1919\u002F56d81878a0\u002Fatria_4_updated-scaled.webp","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F2560x1919\u002F56d81878a0\u002Fatria_4_updated-scaled.webp",{"alt":258,"title":18,"source":18,"copyright":18},"Start Your Journey","utility","\u003Cp class=\"copy copy--is-font-primary spacing spacing--is-pb-small\">There’s a lot to learn when you become a caregiver, and you may be wondering where to start. Fortunately, many of the experiences you’ll encounter are common, and we've pulled together resources to help you along your journey.\u003C\u002Fp>","Not sure where to start?","primary","greyscale-lightest","3",{"componentName":270,"props":271},"ContentHubArticleCardList",{"posts":272,"title":18,"isSmall":237,"topLine":128,"category":18,"listType":277,"titleTag":278,"className":18,"bottomLine":128,"topPadding":237,"componentId":18,"signUpTitle":18,"specialCard":279,"bottomMargin":237,"facCardTitle":18,"allowMaxWidth":128,"bottomPadding":128,"signUpCtaText":18,"enableLoadMore":128,"facCardCtaLink":18,"facCardCtaText":18,"watchVideoCopy":245,"loadMoreCtaText":18,"readArticleCopy":242,"titleStyleLevel":251,"visiblePosts":280,"signUpThankYouTitle":18,"signUpThankYouMessage":18,"extraContainerClassName":18},[273,274,275,276],"6d6a0ffa-b60a-4dfe-8663-4114e220c206","9412e48c-022e-4b28-a954-c4f60a69aa48","2faf53be-922a-453e-ad5a-3857d3678792","c3d1293f-c852-43f5-9bf7-44b55b1c6b27","selected","h4","none",4,{"componentName":282,"props":283},"AslSiteMapFooter",{"image":284,"newTab":128,"socials":290,"topLine":128,"className":18,"linkLists":304,"topMargin":128,"bottomLine":128,"mapCtaLink":406,"topPadding":128,"componentId":18,"bottomMargin":237,"allowMaxWidth":128,"bottomPadding":128,"transparentBackground":128,"extraContainerClassName":18},{"id":285,"alt":286,"name":18,"focus":18,"title":18,"source":287,"filename":288,"copyright":18,"fieldtype":126,"meta_data":289,"is_external_url":128,"description":18},149290117158795,"Map 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green.","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F322x202\u002Fa83c8f9618\u002Faslmap_0226.svg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F322x202\u002Fa83c8f9618\u002Faslmap_0226.svg",{"alt":286,"title":18,"source":18,"copyright":18},[291,296,300],{"icon":292,"link":293,"label":294,"component":295},"facebookAlt","https:\u002F\u002Fwww.facebook.com\u002FAtriaSeniorLiving\u002F","Facebook","SocialIconLink",{"icon":297,"link":298,"label":299,"component":295},"instagram","https:\u002F\u002Fwww.instagram.com\u002Fatriaseniorliving\u002F","Instagram",{"icon":301,"link":302,"label":303,"component":295},"youtube","https:\u002F\u002Fwww.youtube.com\u002F@AtriaSeniorLivingCommunities","YouTube",[305,316,322,329,342,359,365],{"link":18,"text":133,"column":306,"children":307,"component":315},"1",[308,309,310,311,312,313,314],{"link":136,"text":137,"component":28},{"link":139,"text":140,"component":28},{"link":142,"text":143,"component":28},{"link":145,"text":146,"component":28},{"link":148,"text":149,"component":28},{"link":151,"text":152,"component":28},{"link":154,"text":155,"component":28},"FooterLinkListObject",{"link":18,"text":159,"column":306,"children":317,"component":315},[318,319,320,321],{"link":162,"text":163,"component":28},{"link":165,"text":166,"component":28},{"link":168,"text":169,"component":28},{"link":171,"text":172,"component":28},{"link":18,"text":175,"column":306,"children":323,"component":315},[324,325,326,327,328],{"link":178,"text":179,"component":28},{"link":181,"text":182,"component":28},{"link":184,"text":185,"component":28},{"link":187,"text":188,"component":28},{"link":190,"text":191,"component":28},{"link":18,"text":194,"column":330,"children":331,"component":315},"2",[332,333,334,335,336,337,338,340,341],{"link":193,"text":194,"component":28},{"link":198,"text":199,"component":28},{"link":201,"text":202,"component":28},{"link":204,"text":205,"component":28},{"link":207,"text":208,"component":28},{"link":210,"text":211,"component":28},{"link":213,"text":339,"component":28},"Alzheimer's 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Locations",[368,369,370,371,374,375,376,379,380,381,384,385,386,387,388,389,390,391,392,393,394,395,396,397,398,399,400,401,402,403,404,405],{"link":26,"text":27,"component":28},{"link":30,"text":31,"component":28},{"link":33,"text":34,"component":28},{"link":372,"text":373,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-desert-region-ca","– Desert Region",{"link":36,"text":37,"component":28},{"link":39,"text":40,"component":28},{"link":377,"text":378,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-los-angeles-county-ca","– Los Angeles County",{"link":42,"text":43,"component":28},{"link":45,"text":46,"component":28},{"link":382,"text":383,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-ventura-county-ca","– Ventura 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Senior Living","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F282x150\u002Faa46645c79\u002Fasl-stacked-logo_white.svg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F282x150\u002Faa46645c79\u002Fasl-stacked-logo_white.svg",{"alt":412,"title":18,"source":18,"copyright":18},[417,420,423,426,429,432],{"link":418,"text":419,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fterms-of-use","Terms of Use",{"link":421,"text":422,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fprivacy-policy","Privacy Policy",{"link":424,"text":425,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fatria-consumer-health-data-privacy-policy","Consumer Health Data Privacy Policy",{"link":427,"text":428,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Funsubscribe","Unsubscribe",{"link":430,"text":431,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Faccessibility","Accessibility",{"link":433,"text":434,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Faccommodations","Accommodations","If you are vision-impaired or have another impairment and you wish to discuss potential accommodations related to using this website, please contact us at ","accessibility@atriaseniorliving.com",{"blurb":438,"title":7,"category":439,"thumbnail":440,"displayDate":446,"pageSubtype":447,"youTubeVideoId":18,"lastUpdatedDate":449,"timeToReadInMinutes":450,"storyblokUUID":451},"6 resources, benefits and tools that can help your family pay for senior living.","financials",{"id":441,"alt":442,"name":18,"focus":18,"title":18,"source":443,"filename":444,"copyright":18,"fieldtype":126,"meta_data":445,"is_external_url":128,"description":18},1013667,"Older man talking with a Atria Senior Living employee","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F1920x1080\u002F1c065d54be\u002F20211012_atria_shot11_lounge_0054_ret_16x9.jpeg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F1920x1080\u002F1c065d54be\u002F20211012_atria_shot11_lounge_0054_ret_16x9.jpeg",{"alt":442,"title":18,"source":18,"copyright":18},"2022-02-18 15:58",[448],"content-hub","2025-01-03 16:41","5 min read","84305794-fa41-43b5-b11e-e56079a5453b",[453,458,462,466,470,474,478,482,486,490,494,498,502,506,510,514,518,522,526,530,534,538,542,546,550,554,558,562,565,569,573,576,580,583,587,591,595,598,602,606,609,613,616,620,624,628,632,636],{"id":454,"name":455,"value":456,"dimension_value":457},240691,"pricingCopy","Pricing starts at",null,{"id":459,"name":460,"value":461,"dimension_value":457},240695,"quickLookSigBlurb","Atria’s Signature Collection offers a refined senior living experience. Discover elegant amenities and daily adventure supported by a dedicated staff. ",{"id":463,"name":464,"value":465,"dimension_value":457},240694,"quickLookECBlurb","Atria Enhanced Care communities offer older adults with specific care needs personalized assistance and elevated amenities in a social setting. ",{"id":467,"name":468,"value":469,"dimension_value":457},240701,"quickLookCtaLocation","#ScheduleMyTour",{"id":471,"name":472,"value":473,"dimension_value":457},240702,"quickLookNoPriceCopy","Ask about availability",{"id":475,"name":476,"value":477,"dimension_value":457},240703,"quickLookApartmentsTitle","Senior Apartments Availability and Pricing",{"id":479,"name":480,"value":481,"dimension_value":457},240704,"quickLookAmenitiesTitle","Amenities",{"id":483,"name":484,"value":485,"dimension_value":457},240705,"quickLookAmenitiesCopy","From dining venues to the library, discover a variety of amenities on-site.",{"id":487,"name":488,"value":489,"dimension_value":457},240706,"quickLookServicesTitle","Services",{"id":491,"name":492,"value":493,"dimension_value":457},240707,"quickLookServicesCopy","Live fully with 24-hour assistance and convenient services.",{"id":495,"name":496,"value":497,"dimension_value":457},240708,"quickLookApartmentsCopy","Browse floor plans to find your perfect 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