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At Kemper House, we know that over time people with Alzheimer's disease or dementia caused by other diseases will experience regular changes in their care needs. The pattern of change is different for each individual, but eventual physical and mental declines are inevitable.
Kemper House's simple, all-inclusive daily rate eliminates the fear of ever-changing prices as the resident's personal care needs change. Most of our residents will eventually require complete care in all activities of daily living, and we are prepared to provide the care they need, as they need it. The only additional charges at Kemper House are for personal supplies, beauty and barber services, and personal spending on outings.
Call to speak confidentially with someone at Kemper House about room accommodations, daily rates, and the admission process. Click here for locations and phone numbers.
Financial Options
Several options are available with regard to paying for long term care. Please call us for more information.
LTC Insurance
Long term care insurance can significantly reduce the cost of care in an assisted living facility. If you have a long term care insurance policy, we will be glad to assist you in implementing it.
Veteran's Benefits
The Department of Veteran's Affairs provides benefits to veterans who served during wartime and their surviving spouses.
This additional source of funding can offset a portion of the expenses of long term care by nearly $2,000 per month through the "Aid and Attendance" Program. For more information, please contact your
Veterans Regional Office (www.va.gov), call 1-800-827-1000 or contact an accredited agent.
Tax Benefits
For Seniors. Our all-inclusive rates may be 100% tax-deductible for the care recipient if they meet IRS requirements. Consult your tax advisor for more information.
For Family Caregivers. In some cases, this deduction may be available to the family member of the resident, if they are able to claim the resident as a dependent for federal income tax purposes. The IRS requires the family caregiver be related to the senior or have lived with the senior for at least a year.
Other requirements pertain to these benefits. Because Kemper House is not a provider of tax advice, we recommend that you fully explore this opportunity with your tax advisor. You may also visit www.irs.gov for more information on this potential benefit.
Life Settlements
A Life Settlement may be an efficient financial planning tool for some seniors. An institutional third party purchases a senior's existing life insurance policy for as much as three to four times the cash surrender value. Consult your financial advisor for more information.
