Taking care of minor maintenance issues around the home could end up saving your senior loved one money in the long run, but many older adults who are living on fixed incomes can’t afford those projects. If your loved one is having difficulty paying for home repairs, you might need to consider some assistance programs. Here’s a quick look at some programs and resources that could help your loved one cover household repairs and upgrades.
Homeowners insurance only covers very specific repairs, and every policy is slightly different. Most basic policies include perils such as residential fires, floods, earthquakes, vandalism, and theft. To see if your loved one’s insurance policy will help him or her pay for repairs, take a look at the named peril section. You can also give the insurance provider a call and ask for a claim form. Even if your loved one’s insurance provider won’t pay for all of the repairs, they might help with some of the expenses.
Area Agency on Aging
This organization provides older adults with a variety of community resources, and many of those services are completely free. There are currently over 600 Area Agencies on Aging throughout the United States, and the primary goal of that network is to support seniors who would like to age in their homes. After you contact your loved one’s local Area Agency on Aging, you should be connected to a community expert who can help your loved one apply for local grants and low-interest loans.
Many older adults are choosing to age in place, and some need a helping hand to continue living at home safely and comfortably. Luckily, there is professional home care service seniors can trust and rely on.
Medicare or Medicaid
Many seniors are surprised to hear their health insurance might pay for health-related upgrades and additions. Most policies won’t cover any changes to the actual structure of a home, but they could help with walkers, wheelchairs, bath transfer benches, and toilet safety frames. To see exactly what’s covered, speak with an authorized representative from Medicare or Medicaid.
Living alone at home in the golden years can present a few unique challenges. Trust Philadelphia elder care professionals to help your senior loved one maintain a higher quality of life while he or she manages an illness and performs the daily tasks of living.
Section 504 Home Repair Program
A few decades ago, the U.S. Department of Agriculture began funding an assistance program for seniors and low-income families. The Section 504 Home Repair Program provides grants that pay for safety upgrades and repairs, including black mold remediation, radon remediation, roof patches, upgraded fire alarms, new smoke detectors, and bathroom grab bars. This program’s grants can be paid off over a period of 20 years, and they have a fixed interest rate of one percent.
This nonprofit organization completes nearly 10,000 home renovation projects every year in many different states. The goal of this agency is to make sure everyone in the country has safe and healthy homes, and they cover a variety of renovations and upgrades. If your loved one’s application is approved, they’ll send out a team of volunteers to help with exterior painting, interior painting, preventative maintenance for the HVAC system, electrical system repairs, and plumbing repairs. Having such updates in the home can make it easier for your loved one to continue to live independently.
Some seniors only require help with a few daily tasks so they can maintain their independence. However, those living with serious illnesses may need more extensive assistance. Luckily, there is professional live-in care Philadelphia, PA, seniors can rely on. Home can be a safer and more comfortable place for your loved one to live with the help of an expertly trained and dedicated live-in caregiver. Call Home Care Assistance today at (215) 645-4663 to speak with a friendly Care Manager and schedule a free in-home consultation.