Memory Care in Delaware | MemoryCare.com

Memory Care in Delaware

According to research from the Alzheimer's Association, 19,000 Delaware residents aged 65 and older are currently living with dementia. The number of seniors suffering from Alzheimer's disease and related forms of memory impairment is expected to reach 23,000 by 2025 — an increase of 21%. Memory loss disorders are the sixth-leading cause of death in Delaware, and one in three senior deaths in the U.S. are dementia-related. Nationally, over 5 million American seniors have received a dementia diagnosis, and the CDC estimates that this figure will almost triple to 14 million by 2060.

Memory care facilities provide those living with Alzheimer's and dementia with care that is tailored to their unique needs. Memory care can take place in its own facility, or as part of a designated wing of another residential care community. Staff members of memory care units or facilities undergo specialized training in caring for those with memory impairment, and the facilities often coordinate social activities and schedules specifically for the needs of those living with Alzheimer's or dementia.

This guide will cover the cost of memory care in Delaware, financial assistance options for paying for memory care, free memory care resources in the state, and a directory of memory care facilities in Delaware.

The Cost of Memory Care in Delaware

When figuring out how to pay for memory care, you first need to understand how much it will cost for your loved one to move to a quality community. As costs continue to rise, it's vital to have the latest details when planning for elderly care costs. In order to shed light on the impact of inflation on senior living costs, MemoryCare.com has gathered cost information from its network of over 75,000 senior living communities. These prices are based on the cost of Memory Care in Delaware and 3 other cities in Delaware.

How Inflation Has Impacted the Cost of Memory Care in Delaware

Inflation affected the affordability of many types of care in Delaware, including memory care, increasing its cost by 39% in 2023 — a much more substantial jump than the 10.5% national average. Surrounding states also experienced price increases, with costs jumping to $5,489 in Maryland and $5,201 in Pennsylvania. The cost of memory care increased by 23% in New York, but trends suggest prices may remain stable into 2024. New Jersey was the only state to see costs drop by 11.5%, but projections forecast a 8% increase in 2024, making it essential for families to plan care accordingly.

Location2022 Cost (Historical)2023 Cost (Current)2024 Cost (Estimated)
Delaware$4,337$6,049$6,413
U.S. Average$4,863$5,369$5,792
New Jersey$7,091$6,289$6,787
Maryland$5,089$5,489$5,846
Pennsylvania$4,649$5,201$5,931
New York$5,244$6,449$6,416

Memory Care Costs in Delaware's Top Cities

Comparing care costs across the cities of Delaware shows much variance, with some seniors paying substantially more depending on where they live in the state. Prices average $5,760 in Newark, just below the state norm, whereas care is slightly more expensive in Dover and Wilmington at $6,646 and $6,764, respectively. Just over the border, Philadelphia, PA, offers significant savings, as memory care averages just $4,918 in this city.

The Cost of Other Types of Senior Living

The cost of different types of care varies significantly in Delaware. Memory care averages $6,049, which is expected given that caregivers need specialized dementia training and experience, and communities require extra security and safety features. Assisted living is cheaper at $4,587 but still costs much more than independent living, averaging $3,472. However, this lower price reflects the comparative lack of personal care and amenities available in most independent living communities.

Delaware Medicaid Programs for Memory Care

Delaware's Medicaid program doesn't cover memory care in assisted living communities and there aren't any available waivers, but the Diamond State Health Plan - Plus does cover some of the costs associated with this type of care. Personal care services, case management, cognitive services, community transition services and transportation are some of the expenses that might be covered for those who are eligible.

This program can certainly be used to pay for many of the companion services needed, but it won't cover room and board at a nursing facility.

  • Who Is Eligible: Applicants must first qualify for Medicaid, be over 65 years old and have medical documentation supporting the need for nursing care. There are income caps and asset limits as well, capped at 250% of the federal benefit rate and $2,000 in assets. 
  • How To Apply: For the Diamond State Health Plan - Plus, people can visit their local State Service Center or call the Division of Medicaid and Medical Assistance at (800) 996-9969.

Can You Use Medicare To Pay for Memory Care in Delaware?

Unfortunately, Medicare does not generally cover the cost of Memory Care. Most Memory Care Facilities are considered to be "social settings," so Medicare does not cover the cost incurred in these facilities. The only exception to that is if you are receiving memory care services in a Nursing Home. While this situation is much less common, Medicare would sometimes cover the cost, depending on a number of circumstances.

That being said, Medicare does still cover qualified doctor visits, medications, etc., as it would if you were still at home, but it will not cover the cost of care received at the Memory Care Facility.

More Ways To Pay for Memory Care in Delaware

In addition to the state programs mentioned above, those looking for resources to finance memory care may consider:

  • Long-Term Care Insurance: Depending on the policy details, long-term care insurance may be used to pay for memory care services. It's best to sign up for a policy early, as coverage will likely be denied if one already has long-term care needs. More information about the intricacies of long-term care insurance can be found at longtermcare.acl.gov.
  • Reverse Mortgages: Reverse mortgages allow some homeowners to take out a loan as an advance from the eventual sale of their primary residence. This can be a good way to fund memory care in the short-term, but the loans will need to be paid back after the sale of the home. The most commonly used type of reverse mortgages for seniors is the Home Equity Conversion Mortgage, which is the only reverse mortgage insured by the federal government.
  • Veterans Benefits: The Department of Veterans Affairs offers several programs that veterans and their spouses may use to cover health care needs such as memory care. More information about these programs can be found on the VA website.
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Memory Care Laws and Regulations in Delaware

Memory Care Regulation

Assisted living facilities that provide memory care are licensed by the Delaware Department of Health and Social Services (DHSS), Division of Long Term Care Residents Protection. The division is responsible for monitoring compliance with federal and state regulations governing long-term care facilities, as well as performing annual surveys and unscheduled inspections. DLTCRP staff also respond to incidents and complaints regarding quality of life, quality of care and violations of residents' rights in assisted living facilities.

An ALF that offers special services, such as memory care, must provide a disclosure document that details the facility's:

  • Philosophy of care
  • Population served
  • Admission and discharge criteria and processes
  • Assessment, care planning and implementation procedures
  • Staffing and training policies
  • Resident activities
  • Nutrition and hydration services
  • Policy regarding wandering
  • Psychosocial services
  • Safe storage plan for medication
  • Costs

Facility Scope of Care

Assisted living facilities in Delaware provide housing, supervision, personalized assistance and health care and supportive services for individuals who need help with activities of daily living. Facilities must ensure that each resident's care plan is implemented properly and provide all required personal services, arrange access to necessary health care and social services and facilitate or arrange opportunities for leisure activities and social interaction. Residents may receive care from licensed hospice programs and home health care agencies, with prior approval from the ALF's director.

Admissions Requirements

Licensed assisted living facilities in Delaware may accept adults and elderly individuals with a range of conditions, including Alzheimer's disease and other forms of dementia. The following table offers an overview of the conditions and circumstances that determine whether an individual may be admitted or continue receiving memory care in an assisted living facility, based on the applicable rules and regulations.

Residents Who May Be Admitted To and Retained in ALFs:

Seniors and adults who:

  • Require lodging, meals and assistance with personal care, medication administration and activities of daily living
  • Suffer from stable chronic illnesses
  • Have physical, intellectual and developmental disabilities
  • Have controlled behavioral issues
  • Require intermittent or short-term nursing care for no longer than 90 days

Residents Who May NOT Be Admitted or Must Be Discharged:

Individuals who:

  • Require skilled testing, treatments or monitoring
  • Require monitoring of an unstable or chronic medical condition
  • Are bedridden for longer than 14 days
  • Are dependent on a ventilator
  • Wander in excess of the facility staff's supervisory abilities
  • Pose a threat to themselves or other residents
  • Exhibit socially inappropriate or unmanageable behavior

Care Plan Requirements

Prospective ALF residents must have a medical evaluation and RN assessment completed 30 days before admission, and a reassessment must be conducted within 30 days of move-in. Based on these assessments, a service plan must be developed to meet the individual's care needs. This plan should detail the services to be provided and address all aspects of their care, including:

  • Nutrition and hydration
  • Personal care
  • Psychosocial and emotional care
  • Licensed nursing services
  • Rehabilitative services
  • Interpretive services
  • Assistive technology
  • Durable medical equipment
  • Environmental services

Medication Management Requirements

The rules regarding ALF staff providing assistance with medication self-administration are contained in the state Board of Nursing regulations. The rules require that within 30 days of a new resident's admission, an RN must assess their ability to self-administer medication and determine whether they need assistance. An RN must also conduct regular reviews to ensure that medications have been received, are properly labeled and stored and are not causing any adverse side effects. Only aides who have passed an exam may assist residents with self-administering medications.

Facility Requirements

Delaware assisted living facilities, including those that offer memory care, may offer private rooms, as well as shared rooms for no more than two residents. Private rooms must provide at least 100 square feet of living space, and shared rooms must offer 80 square feet of living space per resident. Facilities may feature private bathrooms accessed from individual resident rooms or shared bathrooms that serve no more than four residents. If in-unit bathrooms do not contain a tub or shower, such facilities must be provided in a readily accessible location. ALFs must provide residents with in-unit kitchen facilities or access to a central kitchen. State regulations stipulate that facilities providing memory care must detail any specialized physical environment and design features in their disclosure documents.

Staffing Requirements

ALFs in Delaware must have a sufficient number of trained staff on duty to provide adequate care for all residents. Staff employed by facilities that offer memory care must be properly trained and hold appropriate certifications and licenses to ensure the needs of residents are met.

Delaware regulations include minimum requirements for ALF management staff, based on the size of the facility.

  • Facilities with up to 24 beds may employ a part-time administrator and must have an RN director of nursing on duty for 20 hours per week, at a minimum.
  • Facilities with 25 or more beds must have a full-time administrator and RN director of nursing.

Newly hired care staff must receive a comprehensive orientation on state-mandated topics, which include residents' rights, the health and psychosocial needs of residents being served, infection control, first aid and the facility's fire, life safety and emergency disaster plans. Staff members must also receive at least 12 hours of ongoing training annually.

Medicaid Policy

Delaware Medicaid administers the Diamond State Health Plan – Plus, a managed long-term care entitlement program that covers services in assisted living facilities for eligible state residents, including those who require memory care.

Reporting Abuse

Concerned parties can report witnessed or suspected abuse, exploitation or neglect of an assisted living facility resident by calling the Division of Health Care Quality's 24-hour, toll-free report line at 877-453-0012. Alternatively, individuals may complete and submit an online complaint form.

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Free and Low-Cost Resources for Seniors in Delaware

In Delaware, there is an abundance of resources designed to assist seniors throughout their retirement. MemoryCare.com has compiled information on a range of local organizations, programs, and agencies, categorizing them based on the care services they offer for easy browsing.

Area Agency on Aging

The Area Agency on Aging in is a crucial asset for retired individuals, providing advice on financial assistance, home-based care, and planning for extended care. It also connects seniors and their caregivers with local resources.

program-namephone-numberdescription
Delaware Division of Services for Aging and Adults with Physical Disabilities800-223-9074Delaware's Area Agencies on Aging offer a variety of services to support the health and well-being of seniors in the state. They provide community services to meet the nutritional, health, social, emotional, and recreational needs of older adults. AAAs ensure seniors have easy access to information on support services and long-term care options. They empower seniors to maintain their independence through respite care, nutrition programs, and support groups.

Cash Assistance Programs

Financial assistance initiatives exist in Delaware to help seniors with low income sustain their home living. These initiatives provide tax reductions, discounts on crucial services, and aid for home temperature regulation costs.

program-namephone-numberdescription
Delaware Emergency Assistance ServicesGovernment assistance programs are available to help low-income seniors with ongoing food purchases and urgent bill payments. Additionally, emergency assistance programs can provide support for unforeseen expenses and short-term bills. Eligibility criteria apply.
Delaware Lifeline Program800-234-9473The LifeLine Program offers discounted telephone service, enabling participants to stay connected with their loved ones through landline or mobile phones.

Financial Assistance for Senior Care and Senior Living

Elderly individuals in Delaware, living independently or in elderly care homes, can avail of numerous local financial support opportunities. These aid options help reduce in-home or long-term care costs and connect them to valuable community resources.

program-namephone-numberdescription
Delaware Program of All-Inclusive Care for the Elderly (PACE)The Program of All-Inclusive Care for the Elderly (PACE) is available in certain areas of Delaware, but not statewide. PACE simplifies the Medicare and Medicaid process by serving as a central hub for payments, claims, and assessments. Rather than providing direct funds, PACE acts as a single point of contact for managing Medicare and Medicaid.

Food Assistance Programs

In Delaware, numerous community programs focus on enhancing the health of seniors via proper diet. These initiatives provide meal delivery, shared meals, and food bank services, guaranteeing that older citizens can obtain reasonably priced, healthy food.

program-namephone-numberdescription
Delaware Meals on WheelsDelaware Meals on Wheels ensures that homebound seniors and disabled residents receive hot, nutritious meals. The program is overseen by five organizations: City Fare Meals on Wheels, Newark Senior Center, Modern Maturity Center, CHEER, and Meals on Wheels Lewis-Rehoboth. Seniors can contact their nearest program for food delivery. The organization also offers meal kits containing nonperishable foods to help seniors maintain stocked kitchens.

Free Used Medical Equipment

In Delaware, several organizations are tackling the high cost of new medical devices. They collect lightly used equipment such as wheelchairs, ramps, and walkers, distributing them to local elderly and those requiring assistance.

program-namephone-numberdescription
Delaware Assistive Technology Initiative800-870-3284Experience the convenience and flexibility of our short-term loan program. The Delaware Assistive Technology Initiative provides temporary loans of durable medical equipment to individuals in need. Whether you're recovering from an illness, waiting for equipment repairs, or wanting to test a medical device before buying, we've got you covered. Borrow the equipment you need, hassle-free.

Health Insurance & Prescription Drug Coverage for Seniors

Elderly residents of Delaware with certain income brackets have access to local aid for prescription medication expenses. They might also be eligible for health coverage and other programs providing complimentary or reduced-cost healthcare services.

program-namephone-numberdescription
Delaware Diamond State Health Plan - Plus800?996?9969The Diamond State Health Plan - Plus is a Medicaid waiver that offers comprehensive long-term care options for seniors, including nursing home care. It simplifies the process by replacing multiple waivers and providing a streamlined solution for seniors who require different levels of care in the community or nursing facilities. The program includes the Nursing Facility Program and the Long-Term Care Community Services Program, giving seniors some autonomy in their care, including the ability to hire family members as providers.
Delaware Prescription Assistance Program844-245-9580The Delaware Prescription Assistance Program offers financial aid to low-income individuals who struggle to afford prescription drugs. It is available to elderly or disabled individuals without prescription drug coverage, except for Medicare Part D, and those with an income below 200% of the federal poverty level. Qualified seniors may receive up to $3,000 annually for Medicare Part D premiums and specific prescribed medications if their income is low or if their prescription expenses exceed 40% of their income.

Home Repair and Modifications

In Delaware, a variety of programs exist to support seniors and those with disabilities in funding home improvements and repairs. These initiatives, providing grants or loans, feature different eligibility criteria tailored for retired individuals.

program-namephone-numberdescription
Delaware Weatherization Assistance Program302-504-6111The Delaware Weatherization Assistance Program provides complimentary home improvements to improve energy efficiency. Services offered include insulation, weather stripping, low-energy light bulbs, and other enhancements.

In Delaware, there are several organizations offering cost-effective or free legal aid to senior citizens. They provide advice on issues such as estate planning, living wills, and power of attorney. Some also champion the rights of the elderly in long-term care establishments.

program-namephone-numberdescription
Delaware Community Legal Aid Society, Inc.800-537-8383Delaware Community Legal Aid Society, Inc. provides free legal support to individuals aged 60 and above, as well as adults with disabilities. The Elder Law Program offers valuable assistance and resources on various senior-related issues, including living wills, powers of attorney, consumer concerns, and benefits.

Social Security Offices

In Delaware, Social Security offices are crucial resources for the elderly and those with disabilities. They provide advice on retirement perks, disability benefits, and additional security income.

program-namephone-numberdescription
Delaware Social SecuritySocial Security offers financial support to retirees and those unable to work due to disability. It is funded through payroll taxes paid by employers, employees, and self-employed individuals. Monthly payments during retirement are based on past earnings.

Tax Assistance

In Delaware, a variety of tax assistance options exist for seniors and people with disabilities. These encompass possible medical cost exemptions, property tax cuts, and other tax alleviation measures.

program-namephone-numberdescription
Delaware Senior School Property Tax ReliefThe Senior School Property Tax Relief program offers a 50% property tax discount, up to a maximum of $400. This relief is specifically designed for seniors' primary residences.

Utility & Energy Bill Assistance

In Delaware, there are establishments ready to assist seniors with limited income facing challenges with home upkeep expenses, such as energy and utility bills. Emergency financial support might be available for individuals threatened with utility disconnection due to outstanding payments.

program-namephone-numberdescription
Delaware Low-Income Home Energy Assistance Program (LIHEAP)The Low-Income Home Energy Assistance Program offers emergency payments to assist low-income families with their utility bills. It provides aid for heating in winter and air conditioning in summer, helping households facing challenges with their energy expenses.

Veteran's Services

In Delaware, retired military personnel can find essential support through local veteran services. These organizations help veterans access their deserved benefits and offer advice on a variety of issues.

program-namephone-numberdescription
Delaware VA Benefits and Health CareThe Delaware VA Benefits and Health Care program offers medical care and additional benefits to seniors throughout the state. Eligible seniors who have served in the military may qualify for services and retirement benefits through the state's VA program. The primary VA Medical Center is located in Wilmington, with outpatient clinics or vet centers available in Dover, Georgetown, and Wilmington.

Delaware COVID-19 Rules for Memory Care Facilities

Note: The following information was compiled and most recently updated on 2/3/2022. Since COVID-19 is a rapidly evolving crisis, be sure to contact your Memory Care Facility or local Area Agency on Aging for the most up-to-date information.

questionanswer
Am I allowed to visit my loved one in person?Yes (Conditions Apply)
Is my loved one required to quarantine after I visit him or her?No
Am I required to wear a mask if I visit my loved one in person?Yes (Conditions Apply)
Are visitors screened for elevated temperatures?Yes
Are residents allowed to leave the facility at-will?Yes
Are residents of senior living facilities who leave required to quarantine when they get back?No (Conditions Apply)
Are staff members and contractors checked for elevated temperatures?Yes
Are staff members and contractors tested for COVID-19?Yes (Conditions Apply)
Do staff members have to regularly screen residents for COVID-19 symptoms?Yes
Do staff members have to regularly check residents for elevated temperatures?Yes
Do staff members have to regularly test residents for COVID-19?Yes (Conditions Apply)
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