What government services provide money for senior housing?

Several government programs offer financial assistance for senior housing in various countries, focusing on the United States for a broad overview: Medicaid: Medicaid is a state and federally funded program that can cover the costs of nursing home care for those who meet eligibility criteria, including income and asset limits. Some states also offer Medicaid waivers that help pay for home and community-based services to prevent or delay nursing home placement. Medicare: Medicare, primarily a health insurance program for people aged 65 and over, does not cover long-term housing costs. However, it can cover short-term stays in a skilled nursing facility under specific conditions following a hospital stay. Section 202 Supportive Housing for the Elderly Program: This program provides housing for low-income seniors. It offers rental assistance and access to supportive services, such as cleaning, cooking, and transportation. Low-Income Housing Tax Credit (LIHTC) Properties: While not a direct subsidy, LIHTC encourages developers to create affordable housing. Seniors with low incomes can find reduced-rent apartments through this program. State and Local Programs: Many states, counties, and cities offer their own programs to assist seniors with housing costs. These can include property tax relief programs, rental assistance programs, and programs that offer affordable senior housing options. Veterans Affairs (VA): The VA offers several programs for veterans, including the Aid and Attendance benefit, which provides monthly payments to veterans who require the aid of another person, or are housebound, to help cover the cost of care in homes, nursing homes, and assisted living facilities. Social Security: While Social Security primarily provides retirement income, for many seniors, these benefits are a crucial part of their budget, including housing costs.

How do you pick the homes you recommend?

Before recommending homes, we conduct a thorough evaluation on crucial factors that define a senior home such as the quality of care they provide, the reputation of the organization, and a comprehensive review of community testimonials as well. Every detail is assessed to assure that seniors are offered not just senior care options, but trustworthy homes where they can experience the care that they deserve.

Do you help families that need Medicaid?

Yes. Assisting families who need Medicaid is important to us as it plays a crucial role in offering financial support to seniors confronting economic challenges. We would like to keep essential healthcare services accessible to all community members, irrespective of one’s financial circumstances.

How much does this service cost?

We extend our services at no cost, ensuring that families and seniors can benefit from tailored assistance in their search for care and home options. Our ability to offer personalized guidance without charge to families and seniors is made possible through the support and funding from the communities with which we team up.

What services do you offer?

Autobiography & Family History Writing + Research Senior-focused concierge medicine. Senior-focused nutritionist Senior-focused personal training Memory care specialists Custom wheelchairs at all price points. Custom hearing aids Cosmetic skincare + dermatology Companionship: We offer in-person and virtual companionship services. Someone engaging to hang out with or talk to on video chat. Senior housing concierge. Our service finds the best senior living options based on your needs, income, and personality.

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Resident interviews at our senior living facilities

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Towne Centre | Gary, IN | Photos & Videos

Overview of Towne Centre

Towne Centre, located in the heart of Merrillville, Indiana, offers an excellent Assisted Living experience complemented by Memory Care services that create a seamless continuum of care for senior residents. The dedicated and compassionate staff at Towne Centre offer support for residents who may require assistance with activities of daily living while encouraging and facilitating their independence to explore the myriad shopping, dining, and entertainment options that Merrillville offers.

The primary goal at Towne Centre is to enhance the lives of its senior residents by fostering an environment that stimulates them physically, mentally, spiritually, and emotionally. Every detail, from the meticulously designed floor plans to world-class services and a wealth of recreational and social opportunities, reflects a commitment to providing a comprehensive living experience. The community thrives with weekly social gatherings, ensuring there’s always something exciting to look forward to. Additionally, Towne Centre Living boasts a strategic location with multiple hospitals and pharmacies within, providing residents with easy access to a wide array of medical services.

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Home Information Towne Centre

Community Stability & Environment

Walk Score Walk Score in senior living communities measures how easy it is for residents to access essential services and amenities—like grocery stores, parks, pharmacies, and transit—without needing a car. 20 / 100 Very Car-Dependent
Almost all errands require a car. Very few walkable amenities. Minimal sidewalk infrastructure. Walking is practical only for recreation, not errands.

Types of Care at Towne Centre

Assisted Living Memory Care

Floor Plans

7250 Arthur Blvd, Merrillville, IN 46410

Email: [email protected]

Phone: 219-736-2900

Email:
[email protected]

Phone:
219-736-2900

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About the Neighborhood

Gary offers programs through its Parks Department. Activities often take place at the Hudson Campbell Sports & Fitness Center. Marquette Park offers lakefront views and walking areas.

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Senior Community!

Connect, laugh, and explore — all from the comfort of your home.

Daily Trivia Games

Test your knowledge, have fun, and win friendly bragging rights.

Shared Hobbies & Projects

Team up with others who love gardening, crafts, photography, and writing.

Birthday Celebrations

We honor our members with live shoutouts, music, and cheerful messages.

Story Circles

Share your life stories, lessons, and laughter with friends who truly listen.

Memory Match Mondays

Boost your brain with fun, interactive memory games.

Travel Time Machine

Take virtual tours through Rome, Paris, or America's most beautiful national parks.

Magic Nights

Enjoy weekly live magic shows that surprise and delight.

Pen Pal Connections

Make new friends across the country through letters, stories, and shared memories.

Golden Hour Music Sessions

Sing along to timeless favorites with live performers and themed playlists.

Garden & Nature Club

Watch live garden tours, swap growing tips, and share photos of your blooms.

Gentle Movement & Meditation

Stretch, breathe, and feel good with calming live sessions.

Tech Help Tuesdays

Get hands-on guidance for Zoom, email, or smartphones — no judgment, no stress.

Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

Guides for Better Senior Living

From costs to care, explore the most important topics to make informed decisions about your future.

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View Senior Homes with the Steepest Discounts and Best Pricing

View Nursing Home Government Data: Salaries, Revenues, Room Occupancy, Ownership, etc.

Don’t Wait Too Long: 7 Red Flag Signs Your Parent Needs Assisted Living Now

The True Cost of Assisted Living in 2025 – And How Families Are Paying For It

Assisted Living Costs Broken Down: Rent, Meals, Care & More

Comparison Chart

Compare Memory Care around Gary

Towne Centre

Merrillville

N/A

STONERIDGE RETIREMENT LIVING COMMUNITIES, INC.

395343

33.2%

$11,829,816.00

Rittenhouse Village At Portage

Portage

Studio / 1 Bed / 2 Bed

N/A

Towne Centre

Type of care: AL MC

Community: Merrillville

Bed Options: N/A

Bed Count: N/A

Pets Allowed: No

Home Owner: STONERIDGE RETIREMENT LIVING COMMUNITIES, INC.

CCN: 395343

Occupancy: 33.2%

Home Revenue: $11,829,816.00

Rittenhouse Village At Portage

Type of care: AL IL MC RC

Community: Portage

Bed Options: Studio / 1 Bed / 2 Bed

Bed Count: N/A

Pets Allowed: No

Home Owner: N/A

CCN: N/A

Occupancy: N/A

Home Revenue: N/A

Claim What’s Yours: Financial Aid for Indiana Seniors

Program

State Program Name

Eligibility

Benefits

Aged and Disabled Waiver

Indiana Medicaid A&D Waiver

Official government program page

General: Age 65+ or disabled, Indiana resident, Medicaid-eligible, nursing home-level care need.
Income Limits (2025): ~$2,829/month (300% FBR, individual).
Asset Limits: $2,000 (individual), $3,000 (couple).
IN Specifics: Requires level-of-care determination.

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home health services.

CHOICE Program

Indiana CHOICE

Official government program page

General: Age 60+, Indiana resident, at risk of nursing home.
Income Limits: ~$2,000/month (varies).
Asset Limits: $10,000 (individual).
IN Specifics: Limited funding; regional variation.

Services: In-home care (3-5 hours/week), respite (up to 10 days/year), transportation (~5 trips/month).

Residential Care Assistance Program (RCAP)

Indiana Residential Care Assistance Program

Official government program page

General: Age 65+, or blind, or disabled, Indiana resident, in approved facility, low-income or SSI recipient.
Income Limits (2025): ~$1,004/month (including SSI).
Asset Limits: $2,000 (individual), $3,000 (couple).
IN Specifics: ~50 facilities statewide; per diem rate set by FSSA.

Services: Room/board, laundry, minimal care coordination (~$20-$50/day subsidy).

Medicare Savings Program (MSP)

Indiana Medicare Savings Program

Official government program page

General: Age 65+ or disabled, Indiana resident, Medicare Part A/B.
Income Limits (2025): ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits: $9,430 (individual), $14,130 (couple).
IN Specifics: Three tiers; no waitlist.

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

National Family Caregiver Support Program (NFCSP) Respite

Indiana NFCSP Respite Care

Official government program page

General: Caregivers of 60+ needing care or 55+ caregivers of others; Indiana resident; functional needs (2+ ADLs).
Income Limits (2025): Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits: Not assessed; need-based.
IN Specifics: 16 AAAs; prioritizes low-income, rural caregivers.

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training.

Senior Community Service Employment Program (SCSEP)

Indiana SCSEP

Official government program page

General: Age 55+, unemployed, low-income, Indiana resident.
Income Limits (2025): ~$1,983/month (125% FPL).
Asset Limits: Not specified; income-focused.
IN Specifics: Priority for veterans, rural residents.

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

VA Aid and Attendance (A&A) and Housebound Benefits

Indiana VA Aid and Attendance/Housebound

General: Age 65+ or disabled veteran/spouse, Indiana resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025): Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits: ~$155,356 (net worth limit).
IN Specifics: High veteran demand statewide.

Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

Claim What’s Yours Financial Aid for Indiana Seniors

Indiana Medicaid A&D Waiver

Aged and Disabled Waiver

Requirements:

General:
Age 65+ or disabled, Indiana resident, Medicaid-eligible, nursing home-level care need.
Income Limits (2025):
~$2,829/month (300% FBR, individual).
Asset Limits:
$2,000 (individual), $3,000 (couple).
IN Specifics:
Requires level-of-care determination.

Benefits without Contact:

Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$60/day), home health services.

Official Program Page

Indiana CHOICE

CHOICE Program

Requirements:

General:
Age 60+, Indiana resident, at risk of nursing home.
Income Limits:
~$2,000/month (varies).
Asset Limits:
$10,000 (individual).
IN Specifics:
Limited funding; regional variation.

Benefits without Contact:

Services: In-home care (3-5 hours/week), respite (up to 10 days/year), transportation (~5 trips/month).

Official Program Page

Indiana Residential Care Assistance Program

Residential Care Assistance Program (RCAP)

Requirements:

General:
Age 65+, or blind, or disabled, Indiana resident, in approved facility, low-income or SSI recipient.
Income Limits (2025):
~$1,004/month (including SSI).
Asset Limits:
$2,000 (individual), $3,000 (couple).
IN Specifics:
~50 facilities statewide; per diem rate set by FSSA.

Benefits without Contact:

Services: Room/board, laundry, minimal care coordination (~$20-$50/day subsidy).

Official Program Page

Indiana Medicare Savings Program

Medicare Savings Program (MSP)

Requirements:

General:
Age 65+ or disabled, Indiana resident, Medicare Part A/B.
Income Limits (2025):
~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits:
$9,430 (individual), $14,130 (couple).
IN Specifics:
Three tiers; no waitlist.

Benefits without Contact:

Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).

Official Program Page

Indiana NFCSP Respite Care

National Family Caregiver Support Program (NFCSP) Respite

Requirements:

General:
Caregivers of 60+ needing care or 55+ caregivers of others; Indiana resident; functional needs (2+ ADLs).
Income Limits (2025):
Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits:
Not assessed; need-based.
IN Specifics:
16 AAAs; prioritizes low-income, rural caregivers.

Benefits without Contact:

Services: Respite (4-6 hours/week or 5 days/year), adult day care ($60/day), caregiver training.

Official Program Page

Indiana SCSEP

Senior Community Service Employment Program (SCSEP)

Requirements:

General:
Age 55+, unemployed, low-income, Indiana resident.
Income Limits (2025):
~$1,983/month (125% FPL).
Asset Limits:
Not specified; income-focused.
IN Specifics:
Priority for veterans, rural residents.

Benefits without Contact:

Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.

Official Program Page

Indiana VA Aid and Attendance/Housebound

VA Aid and Attendance (A&A) and Housebound Benefits

Requirements:

General:
Age 65+ or disabled veteran/spouse, Indiana resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025):
Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits:
~$155,356 (net worth limit).
IN Specifics:
High veteran demand statewide.