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Our 88 year old father is in an independent living facility in NH that costs under $4000/month for a one-bedroom. He pays an additional $400 for an independent caregiver who helps him shower 3x/week, changes his sheets and does his laundry. He has mobility issues and uses a walker. Cognitively he is really good.


One of the downsides to his current place is the distance from his unit to the only elevator to get to dining, exiting the building, etc. which is tiring for him. Overall, he is okay; he doesn't love the food or residents but has made a few friends but doesn't participate in other social activities, (partially related to the distance to the elevator).


We'd like to explore assisted living facilitiies nearby because he has had a few falls (requiring the fire department, since they don't have a nurse on staff) to take him to the hospital. One fall was pretty bad when he hit his head and possibly fractured a bone in his neck (sorry, light on the details) and needed a neck brace for 8 weeks.


He has other medical issues (diabetes, heart) but is managing with care.
The brother who lives nearby and sees him the most is extremely worried about another fall, relaed to the mobility.


I found a few places nearby to consider when it's time for AL, but the cost for a one bedroom that offers 45 mins. of personal care and an on-staff nurse, etc. is about $10,000. He can afford the expenditure after we sold his house so there is plenty of money, but it appears he wants to save the money for.... family? I don't know how to convince him to consider visiting other places to move or have on the option when we might need it.


The incremental cost, which is manageable, will mean he has to withdraw money from the now significant account he has due selling the family house, He seems focused on preserving this for his "heirs", three independent adults. I would like advice on how to approach this, that our primary concern is his well-being, regardless of the cost, especially since he has the funds available.

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Logan, I think now's the time to have all the "heirs" first meet together, then to meet with Dad to reassure him that they are OK and will BE ok without his money, and that the money he saved and accumulated is best used now for his own life comfort and his care, and that THIS use of his money is what would best please and comfort and support his family.
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Reply to AlvaDeer
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If he continues to fall, the IL may say it’s time for him to move to AL at some point anyway.

As far as the scooter , make sure Dad can get in and out of one safely. I’ve seen many elders struggle with that . I would rather a lightweight wheelchair that he can self propel using his feet . A scooter may not be permitted if he was to transfer to AL for other reasons later on . A wheelchair can be used anywhere .

My FIL complained about the cost as well . We told him that his money is to be used to take care of him .
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Reply to waytomisery
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Honestly, for an additional 6k a month, I would hire a caregiver to be with him all day. Get him a wheelchair for moving him about the facility or taking him out to dine.

10k is just ridiculous for the amount of "help" AL actually provides, which won't be much more, if any more than he is already getting.

Spend that 6k getting him some actual help where he wants to stay..
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Reply to Isthisrealyreal
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I agree that at this point there's no real upside to moving him from Independent Living to Assisted Living. Talk with the IL admins and see if Dad can be put on the priority IL waitlist for an apartment that's closer to the elevator. In the meantime I agree about Dad using a wheelchair or scooter and possibly increasing the hours of the caregiver Dad currently uses.
Best wishes.
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Reply to LostinPlace
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My dad used a Pride Go Chair to get around his facility for 4 years. Cost $1500 and worth every penny. After the first day using it, he said his knees didn't hurt anymore. He never fell when he was on it. Make sure your facility permits them. 
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Reply to boo937
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Dad will fall no matter where he lives. He may be living in an "Independent" facility, but is not independent at all. He still gets superior help for that price. It amazes me how they classify these places as "Independent" when they are furnishing meals and housekeeping. That is AL in my book.

What exactly does this AL place provide for twice the price? It should be twice what he gets now, with much better food and elevator system, for starters. He still may fall, so don't think an AL will prevent him falling. At 88, he is winding down his long life as it is. You won't be running around much at 88 either.

I'm sure he wants to feel like a respected Father and leave his kids some money.
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Reply to Dawn88
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Question: What do you think an ALF can provide??

An ALF can't stop falls. There is not one-on-one care or someone having an eye on residents 24/7. And you and your father will lose the ability to manage his care unless you continue to hire a private caregiver (and even that caregiver may be limited by the ALF management).

When I was caring for my mom in a "high end" NH (also no one-on-one care, though by law my mother should have received significantly more attention than she was provided*; I was the one who provided her an semblance of quality of life --- I was on the way through the ALF portion and heard someone yelling "help, help." Not a nurse or aide was in sight. I found the resident had fallen, and then found a staff member to get the situation handled. I subsequently discovered the resident had broken her neck. She end up in the NH portion of the facility in a semi-private room and never returned to assisted living.


* § 483.24 Quality of life.
Quality of life is a fundamental principle that applies to all care and services provided to facility residents. Each resident must receive and the facility must provide the necessary care and services to attain or maintain the highest practicable physical, mental, and psychosocial well-being, consistent with the resident's comprehensive assessment and plan of care.
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Reply to elisny
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I am 85 years old and healthy so I can identify with your father. Of course I would like to leave an inheritance for my children also and dread having to lose my independence.
All the previous replies are good, but his current IL is not one that I would like to live in either. He doesn't like the food or the residents and the location of his room, for him, is poor. If he moves to another IL, and you arranged for a caregiver, he would need a 2 bedroom. You would want a 24/7 aide or at least one that would be there through the night. Many problems arise during the night. The total cost would probably be close to the $10000 or more that an ALF would cost, but an ILF is more pleasant to live in than a ALF and having a personal caregiver is also safer.
Getting him to look around, obviously, is the first step. In Florida all the ILs offer free meals and a tour. Who doesn't like a free meal? I am sure he would also enjoy a day out with you or one of your siblings.
If he likes one of the alternative choices you can set up a meeting with his accountant and separate his assets into a self care fund and inheritance. Psychologically that may be more palatable than having his total asset base depleted. One step at a time.
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Reply to Femaleretiree
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Memories42 Jul 19, 2025
Excellent advice.
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Care is more important than heirs..sorry.
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Reply to Patathome01
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Talk to his facility about him moving into a unit closer to the elevator when one becomes available. Seems like he is doing well otherwise. Falls happen in every type of living situation - independent living, assisted living, skilled nursing, memory care, and even personally-owned homes. It might be wise to get his doctor to write a referral to physical therapy to evaluate his mobility and suggest mobility aid (cane, quad cane, walker, rollator...) that best suits his needs.
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Reply to Taarna
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