The first steps of planning
for assisted living.

How many people say they actually want to receive assisted living? The answer is not very many. However, the Department of Health and Human Services projects more than 56% of those turning 65 today will need some kind of long-term service in their lifetimes. Therefore, people should begin considering their options before they need them.

Levels of Care

  1. Independent living and senior housing residents have access to amenities, but
    no nursing support services are provided.
  2. Assisted living and residential care residents have access to amenities and nursing services. 
  3. Skilled or assisted memory care residents have access to amenities and nursing services, and secure units are provided for residents with advanced dementia. 
  4. Short-term skilled nursing care residents receive rehabilitation support after hospitalization.
  5. Long-term skilled nursing care residents have access to amenities and hands-on
    nursing services for things like mobility. 


  • Complete a power of attorney for healthcare and finances
  • Assign a trusted agent to speak on behalf of the resident should they become incapacitated

In Missouri, two letters of incapacitation from a licensed physician are required before an agent can act on behalf of a resident, even if the agent is listed as the legal power of attorney.

There are over 1.4 million Missourians aged 65 and older, making up 20% of the state’s population. This silver tsunami effect is expected to swell to over 2 million by 2030.

Costs to Consider

$$$ Independent living, assisted living, and memory care are typically out-of-pocket expenditures. Some long-term insurance covers assisted living. 

$$ Long-term skilled nursing can be out-of-pocket, covered by Medicaid, or covered by long-term care insurance. 

$ Short-term nursing for rehabilitation is the only level of care covered by health insurance after a qualifying hospital stay. 


Take tours, ask questions about living arrangements, and don’t forget to ask about the food options. A great source to review skilled nursing facilities based on their annual state survey reports is