Kentucky is one of the most affordable states for retirement. The cost of living in Louisville, the state’s largest city, is 8.8% below the national average. Kentucky is a largely rural state with a distinctive bluegrass landscape, making it an ideal retirement spot for adults looking for a countryside lifestyle. Residents also benefit from Kentucky’s retirement-friendly tax laws, including tax-free Social Security benefits. This guide provides an overview of assisted living costs in Kentucky and the regulations these communities need to follow.
Kentucky is flanked by rivers on all sides and has several distinct regions. The state boasts impressive natural landscapes with scenic mountain ridges and rolling pastures, while the more suburban northern areas offer a livelier atmosphere. Several assisted living and residential care communities are available across the state to suit a broad range of social and healthcare needs.
When a loved one can no longer live independently, an assisted living provider can be a good option. Assisted living residences are for residents who would like to, and can, maintain some independence but need help with meals, housekeeping, and some of the activities of daily living (ADLs), such as showering, getting dressed, or personal hygiene.
Assisted living communities in Kentucky cater to older adults who need some help with daily activities and prefer to live in a residential setting. The Department for Aging and Independent Living certifies all assisted living communities in the state.
Kentucky’s assisted living communities are designed for people who can live reasonably independently, although some may provide:
A Personal Care Community follows a medical model of care, including healthcare and nursing services as well as social living activities. The nursing services may include medication administration, rather than reminders to take medications. Because the personal care community is a medical facility, they have the authority to communicate with both doctors and pharmacies for the residents.
Independent living communities are a good housing option for seniors who can still live independently but want to downsize. Each resident or couple lives in a private unit, and most communities offer social programs so residents can meet their neighbors. Housekeeping, chores, and some meals may be provided, although these may incur an additional cost. Unlike the care given in an assisted living community, assistance with activities of daily living and medication management aren’t available in these communities.
Nursing homes offer the highest level of care of all senior living options. These communities provide around-the-clock supervision and skilled nursing care, and medical help is available. Generally, people in nursing homes have complex medical issues or need more residential care than is offered in an assisted living facility. Kentucky has both skilled nursing facilities (SNF) for people who require 24-hour care and intermediate care facilities (ICF) for people who don’t need as much medical care. The average cost of nursing home care in the state is $7,178 for a semiprivate room and $7,969 for a private room.
Adult day care services in Kentucky provide a stimulating and safe environment for older adults during the day. These settings could be a good option for people who live at home and need daytime care while their caregivers work or rest. Some adult day care services provide medical care and social opportunities to meet the adult’s mental and physical health needs. Many offer transportation to and from home.
Adult day care centers differ significantly from assisted living communities because they don’t provide residential care. Therefore, they’re unsuitable for people who need care around the clock.
Adult day care can be significantly more affordable than other senior care options, with fees coming in about 20% lower than the cost of in-home care for the same number of hours. In Kentucky, adult day care costs an average of $1,690 per month.
Many seniors prefer to choose a community that will continue to meet their needs in the future. Continuing care retirement communities have independent living, assisted living, and nursing home facilities on the same property or owned by the same community. This model allows seniors to stay near their friends in familiar surroundings, even as their needs change. The care provided in the assisted living section of a CCRC is the same as in an assisted living community. The difference is that residents can easily move to a skilled nursing room if required. Often, CCRCs are bigger than ACHs, as they encompass more care options.
Supportive Housing is residential facility designed for older adults or persons with disabilities who are unable to live independently. These individuals need help with toileting, bathing, dressing, medication management and administration, assistance with meals and housekeeping, and other activities of daily living. These individuals do not need regular nursing care. There are several housing options available that range from living in a facility to residents living in their own home or apartment, with community-based support services.
There are two types of in-home care available in Kentucky: homemaker services and home healthcare. Homemaker services generally provide personal care and may also help with errands, chores, and housekeeping. Home healthcare can deliver these services and also offer medical care such as skilled nursing and medication management. Unlike assisted living care, in-home care is provided to people in their homes, making it a good choice for those who prefer to age in place. However, it doesn’t give seniors access to the social and recreational programming of assisted living communities. The average cost of homemaker services and home health aid services both cost, on average, $4,767 per month.
There are over 200 assisted living facilities in Kentucky with over 12,500 licensed beds. Brookdale, the largest provider of assisted living in the country has 2 assisted living communities in the state. There are several companies that provide multiple facilities in the state. These companies include; Hometown Manor (6 facilities), Magnolia Springs (2), Morning Pointe (5), the Neighborhood (3) and The Willows (4).
All assisted living communities throughout the state must comply with the standards detailed in Title 910 of the Kentucky Revised Statutes. Individual living units must meet minimum quality and accessibility standards and adhere to life safety codes. Communities must undergo an annual certification review and inform the Department for Aging and Independent Living of any significant changes in the type and scale of the services offered.
The department requires all staff members working in assisted living communities to undergo a criminal record check within seven days of starting work and every other year throughout their employment. Communities can lose their certification if they knowingly employ a person with a criminal conviction for certain offenses.
The average cost of assisted living care in Kentucky is $3,448 per month. This cost is $1,052 lower than the national average of $4,500 per month. The cost of living in Kentucky is 6.9% lower than the national average with healthcare costs nearly 18.4% lower and housing costs 20.1% less than the national average. The exact price of care differs depending on where in the state you’re located. Costs in the state range from $3,008 in Owensboro to $4,568 in Lexington.
If you live close to one of Kentucky’s borders, you may find assisted living in a neighboring state is an affordable option. All of Kentucky’s neighboring states have a higher average monthly cost for assisted living. The neighbors range in cost from $4,105 in Tennessee up to $5,250 in Virginia. You should not discount searching in neighboring states for the right community since the cost of any individual facility could be lower than the average cost in the state and the area.
The average cost of assisted living in Kentucky is around $41,000 per year, so, understandably, you or a family member may be wondering how to pay for care. A range of options is available to fund senior housing in the state.
Selling a home is a common way for seniors to raise funds for assisted living care. Income from pensions and Social Security may also pay for some care. Other examples of private funds include your retirement accounts, mutual funds, and other investments.
People who receive SSI funding may be eligible for the Kentucky Optional State Supplement. This financial supplement increases the individual’s SSI payments to meet the costs of living in a Personal Care Home or Family Care Home. Alternatively, those who prefer to receive their care at home can use the supplement to fund in-home care. You can receive the supplement if you are older than 64, disabled, or blind and meet the monetary eligibility criteria.
Long-term care insurance covers personal care, residential care, and other long-term support and services. Each plan is different; however, most offer a daily amount based on the policy that pays for assistance with activities of daily living. Most people buy a policy in their 50s or 60s and access it when required. If you or your family member has a policy, read it carefully to see what care it covers.
Kentucky has four Veterans Homes around the state, in Wilmore, Hazard, Radcliff, and Hanson. These homes provide skilled nursing care to residents of Kentucky who served in the military. The state’s Department of Military and Veterans Affairs also has offices around the state where team members can help people obtain benefits and services. This includes the Aid and Attendance Benefit, which can help qualified veterans fund personal care.
Elderlife Financial can help you understand how to pay for assisted living.
The services provided in assisted living communities generally come under three broad categories: personal care, medical care, and amenities.
Most people move to assisted living communities because they’re looking for easy access to personal care. These services assist with activities of daily living, such as bathing, dressing, walking, and toileting. communities also provide supervision and can deliver care for unforeseen needs or in cases of emergencies.
In Kentucky, ACHs must provide care and services in the resident’s care plan. This can include coordinating medical care and appointments. Communities may also deliver health services, with 55% of communities providing skilled nursing. Many have healthcare specialists and on-site services, with 55% of communities offering dental care. In addition, 49% of ACHs have hospice services.
ACHs may provide specialized care for people diagnosed with Alzheimer’s disease or other forms of dementia. These special care units have additional security measures to ensure residents don’t wander, which is a common symptom of Alzheimer’s disease. Typically, they also offer programs designed to improve cognitive function and routines that help lower stress.
Mental health issues are a growing consideration for communities, and services to address these concerns are becoming more common. In Kentucky, 73% of communities conduct depression screening, and 54% offer mental health counseling. Social work programs are also found in 49% of ACHs. Social workers can provide counseling, conduct assessments, and help ensure residents have access to all the resources they need.
Amenities refer to other features and services of the community. ACHs offer three meals a day and coordinate activity programs to help residents stay active and connected with each other, families, and the community. Kentucky facilities must also provide transportation and laundry services and may offer housekeeping services.
Kentucky boasts a range of health care services for older adults who want to enjoy a high quality of life in retirement. The renowned University of Kentucky Albert B. Chandler Hospital in Lexington is an NIA-designated Alzheimer’s Center and ranks in the top 10% of Geriatrics health care providers in the U.S.
The state is also home to 130 hospitals, including 29 private hospitals, and 161 health care clinics offer free or reduced-cost services. Therefore, older adults likely have access to the services they need near their assisted living community or care home.
The Kentucky Cabinet for Health and Family Services – Division of Behavioral Health manages the state’s funded mental health treatment programs. The Adult Mental Health and Recovery Services Branch provide services through 14 regional centers to support adults with severe mental health problems. It also operates phone lines to provide emergency care to people experiencing a mental health crisis.
You can also access support through Kentucky 2-1-1. This 24-hour hotline directs residents to the correct services and information to help them manage their condition. The Kentucky branch of the National Alliance on Mental Illness (NAMI) provides advocacy services for adults living with mental illness and their families.
The decision to move into an assisted living community can be difficult. Generally, you’ll notice changes in your loved ones that suggest they need some assistance. Signs that this environment could be beneficial include increased isolation, loss of mobility, noticeable weight loss or gain, and signs that they’re neglecting household chores.
Your older family member may be the one to start talking about assisted living. For many seniors, the idea of moving into a home where cooking, laundry, and other chores are taken care of is appealing. For seniors who realize they need help with daily tasks, the addition of personal care may come as a relief. In Kentucky, 14% of residents need help with eating. Other commonly used services include bed transfer (23%), toileting (28%), and walking (47%). Caregivers in ACHs help 0.37% of residents to dress, and 0.54% of residents need help bathing.
If you think your family member would benefit from assisted living, start by talking about it openly. Highlight the positives of a move, such as social activities, cooked meals, and easily accessible assistance. Some ACHs provide respite care, which may allow your family member to have a trial run. Remember, this should be a conversation, not a lecture. Stay open to their opinion. If they’re not ready to transition to assisted living, talk about the care they need to stay at home.
The KY Office of the Inspector General has oversight of the licensing and regulatory compliance of all long-term care settings in the state. The Kentucky Long-Term Care Ombudsman advocates for people living in residential care communities and assists with complaint resolution. Volunteer ombudsmen also regularly visit assisted living communities and other long-term care settings to monitor care quality and living conditions.
The term “elder law” is often associated with estate planning, trusts, and help obtaining benefits through Medicare or Medicaid. Unfortunately, the field has grown to include cases involving elder abuse, elder neglect, and exploitation. Skilled attorneys can help older adults affected by these issues.
Kentucky Legal Aid provides free advice and representation to qualifying adults. Its legal team can support you with problems relating to Medicare, Medicaid, or SSI claims. You can find a list of elder law legal aid and pro bono attorneys in Kentucky on the Justia website.
There are 104 assisted living facilities in KY and the median cost of care is $4,494. The average rating of assisted living facilities in Kentucky is 3 out of 5 stars and the top ranked facility is Hometown Manor of Glasgow.
100 Neighborly Drive, Somerset, KY, 42503
Outdoor Areas, Housekeeping, Activity Center, Clubs & Communities, Pool,
225 Norfleet Dr., Somerset, KY, 42501
Beauty & Barber, Housekeeping, Social Outings, Pool, Outdoor Areas,
13700 English Villa Dr, Louisville, KY, 40245
Beauty & Barber, Pool, Social Outings, Clubs & Communities, Outdoor Areas,
1517 West Broadway, Mayfield, KY, 42066
Outdoor Areas, Parking, Activity Center, Nearby Shopping,
12336 US Hwy 42, Goshen, KY, 40026
Activity Center, Social Outings, Pool, Clubs & Communities, Outdoor Areas,
9300 Civic Way, Louisville, KY, 40059
520 E Woodlake Cir, Mount Washington, KY, 40047
Pet Friendly, Activity Center, Clubs & Communities, Outdoor Areas, Beauty & Barber,
500 Meridian Hills Drive, Middletown, KY, 40243
Pet Friendly, Pool, Restaurant Style Dining, Outdoor Areas, Social Outings,
Access hundreds of resources, chat with our experts and compare care options to find the solution that’s right for you and your loved ones.