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Stay at Home Solutions blogs on topics such as aging in place, universal design, adaptive equipment, home modifications, accessibility, durable medical equipment, legislation, and caregiving.

How to Pay for Home Modifications or Repairs

 Pexels

Pexels

Hello, my dearest friends! Let’s talk about the biggest hurdle to overcome when you’re thinking about home modifications or repairs to your home: money.

Many people I talk to say, “I don’t know if I can afford you.” I completely understand the dilemma. You want to make changes in your home, but your bank account isn’t too sure you can handle that. You know home modifications can help you stay safe and independent in your comfortable abode.

You’re right, home modifications are a key ingredient to keeping yourself OUT of a nursing home. But paying for them can be tricky!

I am a firm believer in thinking you don’t need to spend a ton of money to make your home safer! Unfortunately, I do run into certain problems that require more extensive home modifications as part of the solution. A common example of this predicament is when people need to use a wheelchair or power wheelchair and they cannot fit through the bathroom door.

The truth is that home modifications are an investment for you and your lifestyle. And like any investment, you need to buckle down and think about your options before making a decision.

An investment in knowledge pays the best interest.

-Benjamin Franklin

 Pexels

Pexels

To help you make the best financial decision, I created a page devoted to financial resources on my website. This page is specific to the Kansas City area; although a lot of resources pertain to residents statewide in Missouri and Kansas.

My biggest passion is to help you live at home for a lifetime. I am a huge advocate of looking into every possibility for people to remain at home if that is their wish. Click here to see how happy Mrs. B is with her home modifications!

My zest + the power of research = Home Modification Financial Resource

I am excited to have this resource available for you because it can be confusing to figure out what financial supports exist! If you want to learn more about a particular resource, just click on the link highlighted in red. Or you can contact me to answer your questions!

I covered financial supports like: Medicaid, grants, loans, tax credits, long term care insurance, life insurance loans, resources for veterans, and Kansas City area community organizations. The focus is on financial assistance for home modifications. Please note that home modifications include home repair, household items, and equipment in addition to structural changes to the home, like building a ramp.

People ask me often if Medicare will pay for home modifications. The answer is “No”. Medicare will help pay for medical equipment with a doctor’s order, like a hospital bed. You have to pay a twenty percent copay for the medical equipment.

As of right now, there is legislation for the Medicare Advantage plans to cover simple home modifications in 2019, like grab bars and shower chairs. If it goes into effect, many people will benefit from simple fixes to their bathroom or main entryway at home.

If this legislation passes, please ask an occupational therapist on where the best placement is for grab bars in your home!!! Occupational therapists have the medical training to look at your overall needs compared to a contractor or handyman’s skills to install your equipment. Your home modifications will go smoothly if you have a team that includes an occupational therapist and a contractor!

The worst anecdote that comes to mind is of a woman, Betty, I met in a nursing home. (Names have been changed.) Betty started to notice how difficult it was to step out of the tub shower in her bathroom. She felt like her foot slipped on the floor of the tub while she picked up her other foot to step over the ledge. Betty would reach out her strong left hand to hold on to anything to steady herself. She knew it wasn’t safe to hold onto the jiggly towel rack, but she didn’t have any other choice.

Betty didn’t want to fall, especially in the bathroom! So she called a handyman to come over and put in a grab bar to feel more steady. She paid the handyman with her own funds and no financial support. With the grab bar in place, Betty felt more comfortable with taking a shower again.

 Maybe Betty could’ve benefited from this? Photo by Pexels

Maybe Betty could’ve benefited from this? Photo by Pexels

When Betty was stepping out of the shower, she felt her foot slip again. She quickly reached across her body for the grab bar with her strong left hand, but it wasn’t enough. Betty slipped and fell over the tub ledge onto the bathroom floor and broke her hip.

It’s awful when home modifications, like putting in grab bars, doesn’t work out well for people like Betty. The effort and money she put in to install the grab bar to provide her safety did not turn out as planned. If she had an occupational therapist on her team, her money would not have been wasted. An occupational therapist would have helped Betty create a solution customized to her needs.

Don’t be like Betty. Be informed about making the best financial investment for you and your home! Look through this list of financial resources for home modifications. Find an occupational therapist to help you in deciding what home modifications are going to be right for you! Talk to friends and family about contractors they have hired in the past. Read this article on how to find the right contractor.

In the story above, Betty tried to prevent getting injured in her bathroom. She did a great job being proactive and recognizing she needed help. But Betty didn’t realize she needed an occupational therapist to look at the big picture for her tub shower.

I am happy to assist you in creating a team that is committed to help you stay at home! Planning home modifications in advance is much better than needing them right after an injury or illness. You need to do it before you need it!

If you know of a financial resource for home modifications that I did not list, please contact me! I would love to add it!