For many older individuals, a senior living facility may be the best (and safest) senior housing option available. Unfortunately, certain types of housing for the elderly can be costly – especially for those who have limited retirement money or familial support. Luckily, the United States government offers several low-income senior housing options for qualified individuals. By working with a dedicated team of eldercare advisors, you can find senior living residences in Hull, MA that work for you and your budget.
Let’s take a closer look at how to qualify for low-income senior care options.
What Does Senior Housing Mean?
The Fair Housing Act of the United States (FHA) prevents any homeowner or rental agency from discriminating against tenants or homebuyers on the basis of age, familial status, or other protected qualities. The Housing for Older Persons Act (HOPA) exists to balance the FHA, allowing property owners of qualifying living spaces to restrict tenancy to older adults that fit the designated criteria. For example, a private nursing home may legally restrict residency to applicants over the age of 62.
Under HOPA, a living space counts as senior housing when all residents within the facility are age 62 or older. Additionally, a living space with multiple units qualifies as senior housing if 80 percent of the residences have tenants over the age of 55. Certain facilities that offer assisted living for seniors through government programs also qualify as senior housing.
Personal Requirements to Qualify for Senior Housing
The U.S. Department of Housing and Urban Development (HUD) subsidizes elderly housing to keep costs minimal for seniors who are unable to work or have limited retirement funds. For example, if you need assisted living in Halifax, MA and qualify for low-income senior housing, your rent will cap at 30 percent of your income.
The HUD categorizes applicants for senior housing as either “low-income” or “very low-income.” The former includes those who earn less than 80 percent of the median income, while the latter includes individuals who make less than 50 percent. Upon applying to HUD senior housing programs, your work history and income records will be reviewed. You must also complete an interview before you can be approved for senior housing. Keep in mind that low-income senior care is only available to U.S. citizens over the age of 62.
Finding Help with Senior Housing
If you’ve explored independent senior housing in Massachusetts and do not know which option is right for you, Elder Living Advisors offers experienced insight. We understand that the process of qualifying for low-income senior care can be an arduous and frustrating one. Luckily, our team of compassionate senior living advisors has extensive experience helping elderly individuals find care options and housing arrangements that work best for them.
If you’re in need of low-income senior living in South Shore and southeastern MA, Elder Living Advisors can help. We’ll sit down with you to discuss your current situation, senior care needs, and more. For more information, or to set up a consultation with one of our team members, call us today at 1-781-999-3994.