The Assisted Living Program provides supportive housing and home care services to individuals who are medically eligible for placement in a nursing facility but, whose needs can be met in a less restrictive and lower cost residential setting. he operator of the assisted living program is responsible for providing or arranging for resident services that must include room, board, housekeeping, supervision, personal care, case management and home health services.
While private payment is possible, for people who meet the financial and other eligibility criteria, payment is made through a combination of:
DIFFERENCE BETWEEN ASSISTED LIVING PROGRAM (ALP) and OTHER ASSISTED LIVING RESIDENCES (ALR) or FACILITIES (ALF) -
Only official licensed ALPs accept Medicaid and SSI to pay the fees. Most Assisted Living Facilities, on the other hand, solely accept private payment for their residential services. In such facilities, however, it is possible to apply for regular community Medicaid and to receive Medicaid personal care services, which are provided independently, having nothing to do with the ALF facility.
State law enacted in 2004 to require licensure for "ALF" facilities does NOT apply to ALPs. This has been criticized by the Long Term Care Community Coalition because protections for ALFs do not apply to ALPs -- all the more necessary as the state expands the growth of ALPs - see below. See Long Term Care Community Coalition, Vulnerable and Unprotected: The Status of Elderly & Disabled Assisted Living Residents in New York State (Spring 2010) posted on http://www.assisted-living411.org/nyassistedliving.php
Laws and Regulations:
ALP STATUTE and REGULATIONS NY Social Services Law Section 461-L and 367-h (for Medicaid Assisted Living Program)
REGULATION: 18 NYCRR 505.35
ALP ADMINISTRATIVE DIRECTIVES:
WHERE ARE ALP FACILITIES?
New York State has recently expanded the number of "Assisted Living Programs" in New York State.
-- 5515 ALP beds in 92 facilities in 31 counties plus all 5 boroughs of NYC (about half of all counties still have no ALP beds). .
-- This list shows contact and address information for each facility and the number of ALP beds.
In June 2008, the State announced a 40% increase in the number of ALP beds, adding 1,584 beds to the existing under 4000 beds -- the largest increase in more than a decade. (See announcement with lIst of facilities with number of new beds in 20 counties plus NYC -- 422 of the new beds were in the 5 boroughs of NYC).
A 5-YEAR ALP INITIATIVE to add 6000 ALP beds between April 2009 - April 2014 began pursuant to 2009 budget legislation, which was amended and continued in 2012. Chapter 58 of the Laws of 2009 and Chapter 56 of the Laws of 2012 amended Section 461-l of the Social Services Law (SSL) to authorize the Commissioner of Health to establish up to 6,000 new Assisted Living Program (ALP) beds. The 2009 amendment required that an equal number of Nursing Home beds be decertified for all new ALP beds authorized, but this was repealed in 2012. Information about the 2009 phase is posted here, and the 2012 phase is posted here.
PAYMENT for ALP - has TWO PARTS:
1. MEDICAID - for nursing/aide services - Facility is responsible for arranging and paying for out of its rate. Resident may not separately be approved for Medicaid home care services outside of this inclusive rate.
On 2013 chart, SSI level for a single person at Congregate Care Level III is $1404/mo. If client's income is under this amount, and if her assets are within SSI limits ($2000 for single person plus burial arrangements, burial fund and some other exemptions) s/he may be eligible for SSI to supplement her own income up to $1404. The same is true for a oouple to supplement their combined income up to $2,808 (couple rate 2013).
A single person would receive a Personal Needs Allowance for sundry needs not covered by the facility -- in 2013, this is $187 per person (on same chart).
Examples of How Payment Works using SSI and Medicaid
EXAMPLE 1 - SSI and Medicaid: Susan has $1300/month income from Social Security (gross.. before her Medicare Part B premium is withheld). She is single. The SSI program disregards $20 of her income, so that her countable income is $1280. She is eligible for SSI for the difference between $1280 and $1404 (2013 income level) = $124. She is eligible for a Personal Needs Allowance (PNA) of $187, which comes out of her income (see http://www.otda.ny.gov/policy/directives/2012/INF/12-INF-17-Attachment-1.pdf (2013)
So she pays all of her income to the ALP facility, and it gives her back $187 as her PNA . (Or she keeps the SSI check of $124 and turns over her Social Security check to the ALP, which in turn gives her back the rest of her Personal Needs Allowance.) Because she is on SSI, she automatically will receive Medicaid to pay the other part of the ALP bill, and she is automatically enrolled in the Medicare Buy-In so that Medicaid will pay her Part B premium.
EXAMPLE II - Medicaid only, no SSI (private pay for residential services): Ben has $1700/month Social Security, assets of $13,000, and is single. Since his assets are in excess of the $2000 SSI limit, he is not eligible for SSI. However, he can still get Medicaid because his assets are below $14,400. Under the Congregate Care Level III rules, he would be allowed to keep his Personal Needs Allowance of $187/mo. All of the rest of his income would go to the Assisted Living Program for his room & board plus spend-down of $276 ($1700 - $20 disregard - $1404).
This article was authored by the Evelyn Frank Legal Resources Program of Selfhelp Community Services, Inc.