Massachusetts Elder Care Options

Paying For Senior Care

Home Instead Senior Care
Family Caregivers
Home Care Agencies
The Agency Process
Medicare Home Care
Paying For Senior Care
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Medication Management
Long Term Care Insurance
State Financial Help
Community Choices
Veterans' Benefits-Federal
Veterans Benefits-Massachusetts
Senior Housing Options
Adult Day Care
Elder Abuse
Elder Care Lawyers
Star Chairlifts
Medical Equipment
Presidential Birthday Greeting
Massachusetts CNA/Training

Unless there is a Long Term Care Insurance Policy, virtually all Home Care or Residential Care Facilities are Private Pay.  Medicare will only pay for Home Care or care in a rehabilitation facility if a hospital stay preceded the need for care.  Even then, the period of time care can be provided, is extremely limited.


If it becomes necessary to shift to Nursing Home or Hospice Care a Senior without assets may have the cost of care paid for with Medicaid funds.  Medicaid funds are only available for Nursing Home care and can not be used for lesser levels of care such as that provided in an Assisted Living environment.  Long before a Senior reaches this point it is a good idea to meet with an experienced elder care attorney to discuss funding mechanisms.


At the State level, a very limited amount of in-home care can be provided for low income seniors.  The State will provide up to $250 dollars of care each month for low income seniors who are not deemed to be eligible for extended coverage under the "Community Choices" program. See the page on State Financial Help.


There is a new state program known as Community Choices.  This program provides eligible elders at imminent risk of nursing home placement with a substantially increased level of home care services. There have been cases where up to 80 hours a week of in home care has been provided by the State. It is imperative you read our page detailing this program.


A veteran or spouse of a veteran may be entitled to some level of in-home care.  This program, which is not well advertised, can best be accessed by contacting your local American Legion Post. Many people assume they won't income qualify for these programs however all unreimbursed medical expenses are deducted before determining eligibility.  Since this includes all payments to Nursing Homes and Assisted Living facilities many people likely qualify.  Read the page on Veterans for more information.

Another useful resource is the National Council on Aging's website called "Benefits Checkup".  This website uses a fill in form to gather information to identify a broad spectrum of programs a senior may be eligible for including medications, housing, utilities etc.  It does take about 20 minutes to complete but you will get a personalized report complete with phone numbers and instructions as to how to sign up.   Go to



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