6 Tips to Help You Pay for Senior Living

Photo of a man & woman adding a coin into their pink piggy bank

When it comes to healthy aging, quite honestly, there’s a lot to do. You’re supposed to make sure to keep your body active and your brain engaged all while maintaining your social connections as well. Sure, the benefits to your overall well-being are worth the effort, but retirement is supposed to be a time with less responsibility on your plate, right? Well, it turns out that in senior living you can have your cake and eat it too, so to speak. Here’s how programs like our Vivid Life make keeping active, engaged, and connected easy and fun! 

Benefits of Healthy Aging 

Good things happen when you focus on healthy aging. In addition to feeling better overall, which in and of itself is a win, other benefits of keeping active, engaged, and connected include:  

  • Improved ability to do everyday things ​ 
  • Reduced impact of illness and chronic disease​ 
  • Enhanced mobility, flexibility, and balance
  • Improved sleep
  • Increased energy level
  • Reduced feelings of depression and stress
  • Increased feelings of happiness and self-confidence
  • Reduced risk of cognitive decline 
  • Increased mental adaptability and cognitive reserve 
  • Improved memory recall and problem-solving skills 
  • Improved concentration and attention to detail  

How Senior Living Can Help 

At home, particularly when living alone, it can be hard to stay as active, engaged, and connected as you’d like. From lack of opportunity to lack of motivation to lack of transportation to mobility challenges, and more, it’s tough, we get it! That’s why we created the Vivid Life program in our senior living communities. It’s composed of three parts: Vibrant Body, Vibrant Brain, and Vibrant Connections. Here’s what each entails:  

Vibrant Body We offer amenities such as a state-of-the-art fitness center, a pool, walking trails, gardening opportunities, and even a dog park to help you stay active. A sample of activities includes:  

  • Walking club – Daily walks at different outdoor locations using pedometers to measure steps. 
  • Yoga – At least once per week for gentle yoga, and once per week for mindful breathing. 
  • Fitness classes – At least two times per week using a variety of hand weights, resistance bands, and circuit-type exercises. 
  • Tai Chi – At least once per week with a live instructor. 
  • Non-traditional exercise – Dancing, gardening, etc. at least two times per week. 
  • Physical games and sports – Golf, putting, bowling, croquet, bocce, and ping pong available daily with organized events one to two times per week. 

Vibrant Brain We offer monthly calendars filled with classes, events, creative arts, and enrichment opportunities to help keep you engaged. A sample of activities includes: 

  • Visiting lecture series – Twice per month with topics such as cultural, historical, local interest, career-oriented, etc. 
  • Creative art series – At least one per week with a theme that runs 3-6 weeks, such as poetry writing, storytelling, painting, digital photography, etc. 
  • Learning series – At least three times per month with an emphasis on learning something new such as foreign language, sign language, technology, hobbies, etc. 
  • Games – At least one time per week and may include poker, bridge, Scrabble, etc. 
  • Mindfulness – A meditation class once per week and gratitude discussion group twice monthly. 
  • Church service – At least once a week through visits by local churches. 
  • Stress reduction – At least once per month class that offers deep breathing exercises, nature walks, music appreciation, spa-type treatments, etc. 

 Vibrant Connections We offer resident-led clubs, social events, outings and volunteer opportunities for any interest to help you stay connected. A sample of activities includes: 

  • Outings – At least twice per month and may include going to concerts, art shows, museum visits, theatre productions, etc. 
  • Intergenerational programming – At least once per month and focuses on building relationships between young adults/children and residents. 
  • New resident welcome party – At least once per month to formally introduce all new residents, and includes ice breakers, social games, etc. to encourage connection. 
  • Philanthropic program – At least once per month provide residents the opportunity to give back to the community, such as volunteering for a local food bank or pet shelter. 
  • Resident-led clubs – May include game clubs, professional clubs, common interests, etc. that meet at least monthly.  

What’s more, it’s all right outside your door (or transportation is provided offsite) and all in a supportive environment with home maintenance, housekeeping, and restaurant-style dining freeing your time to make it even easier to stay active, engaged, and connected. 

Learn more about Vitality Living’s Vivid Life programs. Or find a Vitality Living community near you today to schedule a tour. 



If you’ve decided on senior living for retirement, your next question may be: can you afford it? The answer isn’t as overwhelming as you may think due to funding options to control costs – we can help you make the most of your budget. Check out these tips to help you pay for senior living.

New Call-to-action

  1. Consider the Level of Care – When it comes to what you’ll pay for senior living, generally the higher the level of care you need the higher the cost. So, for example, if you’re making the move to have more freedom from the responsibilities of homeownership and you don’t need daily assistance, you could choose independent living now and pay less. Then, as your needs change down the road, you could transition to a higher level of care if needed.
  2. Choose the Location Carefully – Surprisingly, senior living is similar to the real estate market in that location matters in terms of cost. If you’re looking for a community in the heart of a bustling city, then you’ll pay more. So if budget is a concern, consider looking at senior living communities in the suburbs, nearby smaller towns, or if it’s realistic, even in a different state, to bring costs down.
  3. Know That Care Levels Add Up – There are certainly a number of conveniences typically included in the monthly cost for senior living like home maintenance, housekeeping, meals, social activities, cable, and scheduled transportation, for example. But you may also need care, which is available at different levels for an extra charge. 
  4. Figure Out Your Funding Options – There may be some options to help you offset the cost of senior living that you aren’t even aware of. One that’s often overlooked is the Veterans Aid & Attendance benefit for qualified wartime veterans or their surviving spouses. You might also consider long-term care insurance, life insurance conversion, or perhaps a reverse mortgage as well.
  5. Start Saving Now to Pay for Senior Living – You may be wondering how this will help if you’re ready for senior living now, but again you may be surprised how quickly savings can add up. You could consider holding off on collecting Social Security in order to maximize your monthly benefit and talk with your financial advisor and accountant to maximize your investments and tax deductions. Don’t forget to look at ways to decrease your spending in daily life.
  6. Downsize Now – Again, you may very well be fairly far along in the process of this if you’ve already decided on a move to senior living, but if there is a gap between what senior living will cost and what you can budget, downsizing can help; this is the perfect opportunity to sell those items you no longer want or need like décor or furniture, the proceeds from which can really add up. And of course, money from selling the car and the house will really help your budget as well.

Check out our Family Guide to Funding Senior Care & Housing for more information on how to compare the cost of senior living to home. Or, contact us today to schedule your virtual tour!


Vitality Living half Blossom
Skip to content