HUD Housing Programs That Support Aging in Place

Author

Entrusted Legacy Law

For more information about the author, click to view their website: www.entrustedlegacy.law

Posted on

Sep 12, 2024

Book/Edition

Pennsylvania - Greater Pittsburgh Area

Ninety-three percent of adults 55 and older want to remain in their homes as they age, according to U.S. News & World Report. “Aging in place” involves growing old comfortably and safely in one’s dwelling.

As adults age, they may want to remain in their homes and communities for several reasons. For one, remaining in one’s own residence preserves independence.

When older adults remain in their home, they can continue local activities they enjoy and maintain their routines. They may be better able to maintain their quality of life.

Staying in the same community fosters social support. It makes it easier to sustain relationships with friends, neighbors, and community members. Seniors who need long-term care services also may be able to receive at-home care.

Several barriers can prevent seniors from aging in place. Rising housing costs, home maintenance, and lack of accessibility can prompt older adults and their families to consider senior living options, such as assisted living.

The cost of housing can be a particular burden for retirees on fixed incomes. More than half of older adult renters are cost-burdened. This means that they spend more than 30 percent of their income on housing, per the Joint Center for Housing Studies of Harvard University.

The Department of Housing and Urban Development (HUD) administers programs that can help older adults age in place. HUD programs supporting seniors include the Section 202 Supportive Housing for the Elderly Program and the Section 8 Housing Choice Voucher Program. Note that moving residences to participate in one of these programs may be necessary. However, these programs can help older adults remain in communities rather than entering assisted living or long-term care facilities.

Section 202 Supportive Housing for the Elderly Program

The Section 202 Supportive Housing for the Elderly Program incentivizes the creation of housing for low-income older adults. The program funds eligible private and nonprofit sponsors to create senior housing.

Section 202 housing provides support services essential to aging in place, such as cleaning, cooking, and transportation. This type of housing is available to households with at least one adult 62 years old or older. The individual or family must meet the program’s income requirements. The household income must be less than 50 percent of the Area Median Income (AMI) for the property’s location.

Residents of Section 202 properties typically pay 30 percent of their adjusted household income for rent. The federal government covers the remaining costs.

To find Section 202 properties, consider reaching out to a HUD-approved housing counselor for guidance. Note that, as HUD does not handle leasing, prospective renters must contact a property manager or owner directly.

Section 8 Housing Choice Voucher Program

Through the Section 8 Housing Choice Voucher Program, low-income renters who are older can select privately owned housing of their choice that meets program requirements. This gives older renters greater flexibility in choosing housing that meets their needs. For example, they may be able to look specifically for accessible housing.

Public Housing Agencies (PHAs) administer this program under HUD. Participating households receive a voucher. The program pays a housing subsidy directly to the landlord for the participating family or individual.

To be eligible for Section 8 housing, families and single people must meet certain requirements. Generally, their income can be at most 50 percent to 80 percent of the median income for their region.

Apply for the Section 8 Voucher Program by contacting your local PHA. HUD offers an agency directory. While waiting lists for Section 8 Housing can be long, some PHAs prioritize older applicants. HUD permits PHAs to prioritize certain applicants, which can include older adults.

Speak to an Elder Law Attorney

Both Section 202 and Section 8 programs offer housing for low-income people. However, Section 202 specifically serves households with older adults. Section 8 housing is available to low-income households, including but not limited to families with older members.

Section 202 participants are more limited in their housing choices. They must reside in specific approved properties. Meanwhile, Section 8 participants have greater housing choice.

Contact Entrusted Legacy Law at 412-347-1731 or click here to schedule a complimentary 15-Minute call.

 This article is a service of Entrusted Legacy Law. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That's why we offer a Life and Legacy Planning Session, during which you will get more financially organized than you’ve ever been before, and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life and Legacy Planning Session and mention this article to find out how to get this $750 session at no charge. Please note this is educational content only and is not intended to act as legal advice.

Other Articles You May Like

Holiday Visits: A Perfect Time to Check on Aging Loved Ones

Whether you're traveling from across the street or across the country, holiday gatherings provide an excellent opportunity to assess the well-being of your aging family members. These festive occasions, filled with dinners, gift exchanges, and parties, offer a natural setting to observe any changes in behavior or lifestyle that may have occurred since your last visit.Changes in an elderly relative's condition can range from obvious to subtle. To help you gauge their current physical and mental state, we've compiled a comprehensive list of areas to observe and questions to consider during your time together.EnvironmentThe condition of your loved one's living space can offer valuable insights into their ability to maintain their home and overall well-being. Look for the following:Signs of damage or disrepair in and around the houseAccumulation of trash or clutterBurned-out light bulbs left unchangedDecline in cleanliness, particularly in the kitchen and bathroomUnopened mail piling upItems stored in unusual or potentially hazardous locationsDamage to their vehicle, such as unexplained scratches or dentsThese observations can indicate difficulties with home maintenance, mobility, or cognitive function.Food and NutritionProper nutrition is crucial for seniors. During your visit, pay attention to:The quantity and quality of food in the refrigerator and pantryPresence of expired or spoiled food itemsSigns of weight loss or malnutritionIndications that meals are being skipped or forgottenPoor nutrition can significantly impact an elderly person's health and may signal the need for additional support.Mood and BehaviorChanges in mood or behavior can be early indicators of cognitive decline or other health issues. Watch for:Withdrawal from social activities or abandonment of once-enjoyed hobbiesNew friendships or organizational affiliations, especially those involving frequent contact or requests for donationsIncreased confusion or repetition in conversationsSigns of irritability, apathy, or sadnessGeneral withdrawal or changes in typical demeanorThese behavioral shifts may warrant further investigation or professional assessment.Personal HygienePersonal care habits can provide valuable clues about an individual's physical and mental state. Look for:Decline in overall grooming and appearanceWearing dirty clothes or not changing clothes regularlySkipping showers or bathsBruises or injuries that might indicate falls or accidentsPoor hygiene can be a sign of physical limitations, depression, or cognitive impairment.Financial ManagementWhile not always easy to observe, changes in financial management can be crucial indicators of cognitive decline or potential exploitation. If possible, discreetly assess:Bill payment habits and any signs of financial distressUnusual or large purchasesUnfamiliar names on financial documentsSudden changes in banking habits or account managementFinancial mismanagement can have serious consequences and may require prompt intervention.Medication ManagementFor seniors taking multiple medications, proper management is essential. Observe:Organization of medicationsPresence of expired prescriptionsSigns of missed doses or confusion about medication schedulesMedication errors can lead to serious health complications and may indicate the need for additional support.Social ConnectionsMaintaining social connections is vital for seniors' mental and emotional well-being. Take note of:Frequency and quality of interactions with friends and neighborsParticipation in community activities or religious servicesUse of technology to stay connected with family and friendsSocial isolation can contribute to depression and cognitive decline in older adults.Remember, this list is not exhaustive but serves as a guide to help you check in on your aging loved ones. By observing these areas and initiating conversations early, you can identify potential issues and provide timely support. If you notice concerning changes, consider consulting with healthcare professionals or senior care experts for guidance.The holiday season offers a wonderful opportunity to spend quality time with your elderly relatives. Use this time to observe, listen, and engage meaningfully. Your attentiveness can make a significant difference in ensuring their continued well-being and quality of life.Aging Life Care Managers are an excellent resource for support. Working with families, an Aging Life Care Manager is a strategic planner offering options and solutions that best fit a persons individual needs and resources. Their guidance leads families to the actions and decisions that ensure quality care and an optimal life for those they love, thus reducing worry, stress, and time away from work for family caregivers.

Caregiver Guide: Dos and Donts for Engaging Loved Ones with Cognitive Decline

Caring for an older adult with cognitive difficulties, such as dementia or Alzheimers disease, requires patience, empathy, and a thoughtful approach to daily activities. As our loved ones with dementia might have communication challenges, we become more attuned to observing body language and facial expressions. The right activities can provide a sense of purpose, stimulate memory, and improve overall well-being. However, choosing the wrong activities can lead to frustration or confusion. This guide offers practical advice on the dos and donts of engaging loved ones with cognitive decline.Do:        Simplify tasks and break them down into smaller steps.For example, if your loved one enjoyed cooking, involve them in simple tasks like stirring ingredients or setting the table. This allows them to participate without feeling overwhelmed by the complexity of the activity.Familiar rote tasks can provide a sense of purpose and success i.e.: folding towels or setting the table.Dont:        Set up for failureAvoid setting high expectations for perfection or completion of tasks. The goal is engagement, not mastery. If your loved one loses interest or struggles with a task, its okay to move on to something else without pressure. Try active listening techniques.Do:        Promote social interactionEngage in activities that foster social interaction, like looking through old photo albums, reminiscing about the past, or participating in small group activities. Social engagement is crucial for older adults as it helps combat feelings of isolation and keeps their minds active. Offer prompting open-ended questions to encourage engagement. Consider looking for a local Adult Day Center near you that might offer activities and social interaction.Dont:        Overwhelm with large gatheringsAvoid large social gatherings or unfamiliar environments that could cause sensory overload or anxiety. Instead, keep interactions small and personal, with familiar faces and settings to provide a sense of security and comfort.Do:        Watch television: many of us utilize television for entertainment but it can often become the primary source of structure and activity for the day.Watching cooking shows can be good if you are looking to improve appetite but can also cause overeating.Watching nature programs with positive content is engaging, however cycle-of-life or aggressive programming (like natural disasters) can produce anxiety. Baby animal shows can be a particular favorite as there is no plot to follow.Watching beloved shows can be nostalgic and comforting, and comedy skit shows also have no plot to follow.Consider what types of programs are watched at different times of day something with no speaking and just photography is good for resting, and sports might spark a desire for more activity.Dont:        Allow TV to cause anxiety or be a substitute for activity or personal interactionWatching the news can be distressing for some and cause anxietyConfrontational talk show formats can be confusing and angry participants may display unwanted behaviors.Sitting in front of the TV all day isnt good for anyone, and this is not engaging in socialization or cognitive stimulation.Do:        Incorporate music and artUse music and art as therapeutic tools. Older adults with cognitive difficulties often respond well to music from their youth or simple art activities like coloring or painting. These activities can stimulate the senses and provide a creative outlet, even for those with advanced cognitive impairment.Dont:        Use Activities that require complex decision-makingAvoid activities that require complex decision-making or too many choices. This can be overwhelming and may lead to frustration. Instead, offer simple, clear options that allow for easy participation. Offer a choice between two things such as menu items or daily clothing choices.Do:        Accept help when caregiving becomes overwhelming.Consider hiring an Aging Life Care Manager.  An Aging Life Care Manager can provide expert guidance, help coordinate care, and offer support in making decisions for your loved one.  Dont:        Set your expectations too high or schedule too full.Try to go with the flow and understand things might not go exactly as planned and thats okay. Schedule in extra time for activities or to get to appointments. If you feel frustrated, step away, regain composure (your loved one if not being difficult on purpose) and try again with a new energy. Read tips on how to deal with caregiver stress.As you consider what activity choices to offer your loved one, consider variety and time of day. Include exercise and socialization, as well as hygiene and rest. Modify, modify, modify. If they seem overwhelmed with an activity, try simplifying to a point they can successfully engage. For example: a puzzle with fewer and larger pieces, simple matching games, and activities to stimulate fine motor skills. Remember not to infantilize your loved one, but rather adjust to their needs. Be mindful of your loved ones response to an activity and be flexible with both them and yourself.

Signs That An Aging Parent Needs Help

As our parents age, it becomes increasingly important to be aware of signs that they may need additional support. While many older adults fiercely value their independence, there are often subtle indicators that assistance is necessary to ensure their safety, health, and overall well-being.Key Signs Your Aging Parent Needs Help:Changes in Physical Appearance and HygieneA noticeable decline in personal grooming habits or hygiene can be a red flag. This may include wearing soiled clothing, infrequent bathing, or neglecting oral care. Significant weight changes, either gain or loss, can also indicate difficulties with meal preparation or underlying health issues.Household Management IssuesKeep an eye out for:Expired food in the refrigerator or a strong odor in the kitchenPiling up of mail, especially unpaid billsCluttered or disorganized living spacesNeglected home maintenance, both interior and exteriorMedication MismanagementDifficulties with medication can have serious consequences. Watch for:Confusion about dosages or schedulesUnopened pill bottles or untouched medication boxesMedications spilled on the floorCognitive and Emotional ChangesBe alert to:Increased forgetfulness or confusionChanges in mood or loss of interest in previously enjoyed activitiesSigns of loneliness or social isolation Mobility and Safety ConcernsLook out for:Unexplained bruising or injuriesDifficulty with walking, balance, or getting up from seated positionsNew scratches or dents on the car, indicating potential driving issuesTaking ActionIf you notice one or more of these signs, it's time to have a conversation with your parent. Approach the topic with sensitivity and respect for their desire for independence. Involving other family members can help facilitate discussions and decision-making.Remember that early intervention can prevent crises and ensure your parent receives the appropriate level of care. This might involve exploring options such as in-home assistance, meal delivery services, or senior living communities that can provide the necessary support while maintaining as much independence as possible.By staying vigilant and proactive, you can help your aging parent navigate this new phase of life with dignity and ensure their needs are met in a way that respects their wishes and preserves their quality of life.If you notice just one of these happening with your parent, it is time to have a conversation. If you need help starting that conversation or implementing a plan of care, consider working with an Aging Life Care Professional. Aging Life Care Professionals understand the frustration felt by adult children and the desperation felt by older adults who want to hold on to their independence. With an objective perspective on the situation, we can help facilitate difficult family discussions and decision-making to address these and other concerns.

Local Services By This Author

Entrusted Legacy Law

Elder Law 100 Pinewood Lane Suite #303, Warrendale, Pennsylvania, 15086

Our Firm Prepares You for Life What makes our firm different is that we were built with the needs of growing families in mind. We understand you are BUSY, you are growing, you are planning for a life of prosperity and you value ease, convenience and efficiency. You are raising children, and caring for elderly parents, while also working hard to build your own nest egg for a lifetime of support. You want to know youve made the best decisions for your family and that your plan will work when your loved ones need it most. You want to make sure your minor children would be raised by the people you choose, and never by anyone you wouldnt want, and that your teens and adult children are properly prepared to care for you and what you leave behind.  You want to feel confident that youve made the right choices, and handled everything so that you arent leaving behind a mess, when something happens. That is our focus as well. Weve developed unique systems to give you the same access to a Personal Family Lawyer as was previously only available to the super-wealthy, so you can have the guidance you need to build and maintain a life of prosperity and wealth. And, to keep your family out of court and out of conflict, which is the greatest risk to the people you love and all you have created, even if youve already worked with a traditional lawyer or created documents online. Our Team Is Here for You We encourage communication with our clients. In fact, weve thrown out the time clocks so you never have to be afraid to call with a quick question. Everything we do is billed on a flat-fee basis, agreed to in advance, so there are never any surprises. We have a whole team to serve you. When you call our office to ask your quick question, you wont have to wait hours or days for a phone call back. Youll get your question answered, right away. And, if you need to schedule a more in-depth legal or strategic call with your Personal Family Lawyer, a call will be scheduled when you're both available and ready for the call so we can make the very best use of your time and not waste your time by leaving voicemail after voicemail back and forth. And, we ensure the most important details of your planning are followed through on and your plan continues to work throughout your lifetime. We have a funding coordinator to ensure your assets are owned the right way throughout your lifetime and none of your assets will end up going through a long, expensive court process or being lost to the state because they were missed after your death. Weve created unique membership programs to keep your plan up to date year in and year out as well as give you access to our Trusted Team of Legal Experts for guidance on ANY legal or financial matter. One day you will need a lawyer. I dont know why and I dont know when, but when you do, you will be grateful you can call on us and well be here to advise you or get you out of a jam. We Help You Transfer Your Life and Legacy Lastly, we believe your financial wealth is only a small part of your overall Life and Legacy Planning which is made up of your far more valuable and most often lost upon incapacity or death intellectual, spiritual and human assets. These assets are what make you who you are, and sum up whats most important to you. And, a survey of inheritors has revealed that what they care about even more than inheriting your money, is inheriting these intangible assets.   Most estate plans only focus on the transfer of your financial wealth to the next generation. Most people have such great intentions of passing on the intangible, but very few ever get around to it. Its just not a priority, until its too late. How much do you know about your grandparents values? Their most prized personal possessions? How they felt about you? What they had learned during their lifetime? If you are like most people, you know very little. Thats why we build the capture and passage of these most valuable assets into every estate plan we create. Not only will we help you pass on your money, but also your values, your insights, your stories and your experience the truly valuable assets your loved ones care about the most.  Weve developed a tool that allows us to capture and pass on your whole family wealth, including your Intellectual, Spiritual and Human assets.  I cant go into all of the details here, but well definitely talk about it when you come in for your Life and Legacy Planning Session.