Understanding the Cost of Long-Term Care

understanding the cost of long term care

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. 



The U.S. Department of Health and Human Services estimates that 70 percent of people over the age of 65 will require some form of long-term care during their lives. But what exactly does long-term care encompass, and what does it cost? Long-term care services include medical and non-medical care for people with a chronic illness or disability. It can be provided at home or in a senior living community. Here’s how the cost of long-term care compares between the two.

The Cost of Long-Term Care at Home

There are three types of long-term care at home, each supporting different needs. Here are their average monthly costs according to the most recent Genworth Cost of Care Survey.

  • Homemaker Services – Help with household tasks like cooking, cleaning, and errands that cannot be managed independently. The average monthly cost is $4,957, assuming 44 hours per week.
  • Home Health Aide Services – Assistance with personal care, but not medical care. The average monthly cost is $5,148, assuming 44 hours per week.
  • Adult Day Care – For seniors who need assistance during the day but not round-the-clock care. Typically provide health services, therapeutic services, and social activities during normal business hours, five days a week. The average monthly cost is $1,690.

The Cost of Long-Term Care in Senior Living

Senior living also offers different types of long-term care for needs that include:

  • Assisted Living – This type of long-term care provides assistance with daily tasks such as bathing, dressing, and medication management as well as onsite medical care. These communities also feature a convenient, active, and social lifestyle with social and enrichment opportunities to enjoy. Home upkeep, cooking, and housekeeping are provided in addition to a range of amenities. The average monthly cost for a private, one-bedroom is $4,500 according to the most recent Genworth Cost of Care Survey.
  • Memory Care – Designed for those with Alzheimer’s disease and dementia, memory care offers 24-hour support in a secure, nurturing environment with specially trained staff. Residents have the comfort of a structured daily schedule, plus enrichment activities, fitness, and social opportunities to help them thrive. Published data on the average monthly cost for memory care also varies greatly, but you can usually expect a range between $2,000 to $7,000 a month.

Comparing the Costs 

When comparing the cost of long-term care at home versus in senior living, make sure to calculate the total monthly cost of living at home rather than just the mortgage or rent; this includes food, utilities, home maintenance, property taxes, insurance, entertainment, and healthcare. It’s important to do so because while you pay those things out of pocket at home, they are actually included in the monthly cost of senior living! Use this handy worksheet to help compare your specific costs.

Monthly ExpensesCosts at Home Senior Living Costs 
Mortgage or rent
At-home careincluded
Property tax and insuranceincluded
Home maintenance and repairsincluded
Lawn care and yard maintenanceincluded
(electricity, gas, water, trash removal, etc.)
24-hour securityincluded
(insurance, gas, registration, repairs)
Social and Entertainmentincluded
Exercise and wellnessincluded
24-hour emergency alert systemincluded
Total Actual Costs

For more information on the cost of long-term care, download our Family Guide to Funding Senior Care & Housing today! Or contact us today to schedule a tour.

Vitality Living half Blossom
Skip to content