Choosing a Retirement Home


Everything you need to know about senior housing in the San Francisco Bay Area.

A Simple Way to Start

Planning
Identify Your Team
Who is going to help you and your family through this process? Typically, you should include an estate planner, your physician, and friends & family.
Budgeting
Don't wait until it's too late to figure out how you are going to pay. If you decide you need Long term care, insurance only works if you buy it early on: link
Legal
Deciding on your advanced directive is one of the most important steps: link
Financials
For Care Recipients:
Social Security, SSI, Pensions
Most people use a combination of resources. Make sure you are getting all the funds you can from the government or company pensions. Check out Survivor Benefit Plans under Social Security: link
Long Term Care Insurance/Your Home
If you don't already have LTC insurance, it may be too late. However, you may be able to get a reverse mortgage or rent out your home.
Veterans Benefits
The VA has great benefits available for long term care for veterans and their spouses. link

For Caregivers:
Family and Medical Leave Act
You may qualify for up to 12 weeks of unpaid time off. link
Tax Breaks
Some expenses may be tax deductible. Speak with a local CPA.
How to Start Search
Research
Seniorly is the best place to start. We focus on providing you with the information you need to make the right decisions. link
Tours
We recommend that you tour 3-5 communities before making a decision. Ask staff and residents questions to get a feel for the community.
Family-Sharing
Don't be shy. Ask for help! You will need it.
Government Organizations
The Department of Social Services Community Licensing Division (link) allows consumers to see the history of communities. This includes citations the state has made against the community. Do your homework and check them out.
Wellness
Mindfullness
Recognize that this is going to be one of the hardest things you will have to do in your life, but it is even harder for your parents. So, focus on being happy and looking for ways to keep things light.
Family & Friends
Statistically, you have friends and family that have gone through the same process. Talk to people and learn!
Have Fun Together
Spend some quality time doing something fun with your loved one. This process may be difficult, but making time for each other can help ease the burden.

Know All of Your Options

Services at Home
Transportation
There are several services that provide transportation for medical and non-medical appointments. We can help. Contact us at rides@seniorly.com.
Meals
There are several meal delivery services that provide warm and cold meals delivered to your house. We can help you find a service. Contact us at meals@seniorly.com.
Delivery Services
Need help with groceries, medication deliveries, or anything else? We can help you find a service. Contact us at delivery@seniorly.com.
Non-Medical Care at Home
Home Care Agencies
There are many home care agencies that provide services to people living in their own homes. We can help. Contact us at homecare@seniorly.com.
Individual Caregivers
There are individual caregivers that you can hire that come to your home. We can help. Contact us at homecare@seniorly.com.
Non-Medical Senior Housing
Age-Restricted Housing
Communities for people over 55. No care or services. See Senior Housing section for more.
Continuing Care Retirement Communities
People enter at earlier ages (usually 60s) and age in place. See Senior Housing section for more.
Independent Living
People enter when they need services and want a more social environment. No care or services. See Senior Housing section for more.
Assisted Living
Care and Services. Can be large 100+ unit communities to small 4 bedroom homes. See Senior Housing section for more.
Memory Care
Communities that specialize in Alzheimer's/Dementia Care. See Senior Housing section for more.
Medical Housing & Care At Home
Skilled Nursing Facilities
24-hour nursing care in a community. See Senior Housing section for more.
Home Health Agencies
Nursing care delivered to your home.
Hospice, Palliative Care, Rehab
Medical and non-medical services delivered to your home or within senior housing communities.

People Who Are Independent

55+ Communities (Age-Restricted)
For people who are fully independent but want to be around similarly-aged folks.
Not the best option for people who want to age in place if they require care later down the road. Residents typically move out for care.
Private / Affordable (HUD) / Non-Profit
COMMUNITY FEE

Sometimes

MONTHLY COST $$ $$$
TYPICAL SERVICES

No services

Independent Living Communities
For people who want to have meals and services such as housekeeping and laundry.
Many independent living communities have partnerships with home health/care agencies to allow residents to stay in communities even when they need help with their personal care.
Mostly private-pay and some non-profit.
COMMUNITY FEE

Sometimes

MONTHLY COST $$$ $$
TYPICAL SERVICES

Limited

No care provided

People Who Need Some Help

(Residential Care Facilities for the Elderly - licensed by Community Care Licensing Division of DSS)
Assisted Living
For people who need help with Activities of Daily Living (ADLs). Assisted living communities are best for people who need help with ADLs, but do not have medical needs that require a nursing staff.
Resident-to-staff ratios are typically 15 to 1.
Mostly private-pay, some affordable options.
COMMUNITY FEE

Yes, and usually less than $5000

MONTHLY COST $$$$ $
TYPICAL SERVICES

Care and social activities

Hotel style amenities
Memory Care
For people who have been diagnosed with Dementia or Alzheimer’s by their physicians. These communities, or wings within assisted living communities, are contained with security monitoring and also have separate common area amenities.
Resident-to-staff ratios are typically 6 to 1.
Mostly private-pay.
COMMUNITY FEE

Yes, and usually less than $5000

MONTHLY COST $$$$$
TYPICAL SERVICES

Care and dementia programming

Limited amenities, less active
Board & Care Homes
For people who are looking for a more affordable alternative to assisted living and memory care and a more homelike setting.
Resident-to-staff ratios are typically 4 to 1.
Mostly private-pay.
COMMUNITY FEE

Sometimes, and usually less than $2500

MONTHLY COST $$ $$$
TYPICAL SERVICES

Care focus, limited social services

Amenities in a single family home

People Who Need Medical Care

(Licensed by the Department of Health)
Skilled Nursing Facility
For people who require medical care. These communities are typically for people who have recently had surgery or have chronic health management issues that require nursing care.
Patient-to-staff ratios are typically 4 to 1.
Medicare & Medicaid
COMMUNITY FEE

No fee

DAILY RATE $$$$$
TYPICAL SERVICES

Medical care focus

Limited

People Who Only Want to Make One Move

(Licensed by Community Care Licensing Division of DSS)
Continuing Care Retirement Community (CCRC)
For people who want to age in place. These communities typically make sense when residents move in at a younger age.
Residents pay a high entrance fee (which is sometimes reimbursed partially) and get a locked-in ongoing monthly fee.
Mostly private-pay.
Affordable housing (HUD) options based on income
COMMUNITY FEE

Yes, and very high ($100k-$1million+)

MONTHLY COST $$$$$
TYPICAL SERVICES

Care and social services focus

Hotel and Resort style amenities
Blended Independent, Assisted Living, Memory Care, Skilled Nursing Facility
For people who want to age in place. These communities typically make sense for residents who are more independent but nearing the point where they are getting close to needing care.
Residents pay a community fee that is not reimbursed.
Mostly private-pay.
No affordable options.
COMMUNITY FEE

Yes, and usually less than $5000

MONTHLY COST $$$$ $
TYPICAL SERVICES

Care and social services focused

Hotel style amenities

A thought while you wait ...


We are young at heart. Slightly older in other places!