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162 College Highway
Southampton, MA 01073

Finance Options

Our Professional Referral Program is available for your residents. Simply complete our form to begin the process.

Now Hiring! We are currently looking to
fill positions at all of our established Everbrook communities.

Our newest community, Islebrook Village
at Wiscasset
is underway, with plans to open in Spring of 2025.

daughter helping mother with paperwork

Finance Options

Understanding The Cost of Senior Living and Assisted Living Services

Regulations in Connecticut require a Managed Residential Community, such as any Everbrook Senior Living community, to offer certain core services to residents who lease a unit including but not limited to prepared meals, activities and recreation, transportation to appointments, and housekeeping including regular maintenance of the unit. Massachusetts regulation requires that senior living communities provide much the same supportive services as cited above.

Everbrook offers units for lease on a monthly basis. All core service are included in the residency fees for all units. The costs for personal care and nursing oversight services are determined after an assessment reveals the extent of your need for care and the costs are additional to fees for housing and core services.

We've made it easy to weigh your financial options.

It can be daunting to think about the financial burden of life in a senior community. Can you afford it? How will you pay? Where do you even begin? With that in mind, we've put together three easy-to-use questionnaires. Get started today!

Veteran Benefits

Are you concerned about the affordability of care? As a veteran, you may qualify for financial assistance. Complete the form so that we may process your request.

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Elder Care

Unsure what type of room best suits your needs. AT Everbrook Senior Living we have a wide variety of room options. Complete the form so that we may process your request.

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Financial Concierge

Are you unsure about your financial options? We've put together this helpful questionnaire to help ansswer your questions, you may also qualify for financial assistance. Complete the form so that we may process your request.

concierge service

Cost Comparison

Everbrook offers several other services not required by regulation as a core service, such as its Wellness 4 Later Life program, particularly the supervised exercise program led by a certified exercise physiologist. The wellness program is included in the monthly residency fees. Residents sometimes seek services which are not included within their regular monthly fees such as such as unscheduled transportation, certain laundry services, or automobile maintenance; Everbrook charges for certain services à la carte.

When seeking to determine the relative costs of senior living compared to your current monthly expenses, Everbrook offers a cost worksheet and urges you to do a relative cost calculation prior to or in conjunction with meeting our staff.

Paying for Senior Living

Everbrook offers units for independent, assisted, and memory care living. Independent units are offered to area seniors who do not require assistance with activities of daily living and those residents would likely be ineligible for long term care insurance coverage, Veteran’s Administration’s Aid and Attendance benefits, or tax deductions for qualifying medical expenses, wherever applicable. Residents who are enrolled in the Assisted Living Service Agency client service program, a/k/a assisted living, are likely to be eligible to receive coverage from long-term care insurance, hybrid long-term care/life insurance plans, VA benefits, and tax relief if applicable.

The following is a brief description of resources and strategies available to seniors to help them fund the costs of assisted living. Please note that Everbrook offers no legal or financial advice, has no affiliations with any financial businesses or law firms, and derives no income from referring persons to any third-party professionals.

What are my Finance Options?

Selling a home is a significant financial transaction and seniors who may need to sell a home to help supplement the residency fees at a senior living community are advised to seek financial and tax advice. If you need to sell a home to help fund senior living costs, there are several options to consider. When the need for cash upon sale of a home is immediate yet the sale will occur some months later, there are companies such as Elderlife Financial Services, which offer bridge financing- this is a short-term line of credit to be used to help pay monthly residency fees while you wait to sell your home. (Your local bank may also offer you some bridge funding or even longer-term lines of credit depending upon your situation)

If you wish to sell your home to escape the maintenance and overhead obligations while moving into a senior living community, but have no immediate need for the cash equity, you should seek tax advice on the capital gains tax implications. If you are likely to incur a significant capital gain tax and will be needing some cash equity to supplement residency fees, consider doing a cash-out refinance, then rent your home. A Reverse Mortgage may not be optimal as bridge financing for seniors intending to move into a senior living community because of mortgage covenants requiring you to live at home, except that a short-term respite contract could be feasible. We work with experts in elder law who can advise you regarding transactions of this nature and complexity as this is but an example of what may be possible.

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Bringing the Best Solutions
to Seniors in Later Life.

162 College Highway
Southampton, MA 01073
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