Frequently Asked Questions
What is Independent Living?
Independent Living is a term used in many states to define a housing option for seniors. Most commonly referred to as retirement communities, seniors reside in rental apartments, rental duplexes or rental (and owned) homes. Typically, Independent Living communities offer one or more meals per day along with maintenance, housekeeping and activities. Most independent residents require little assistance but choose Independent Living for peace of mind as medically trained staff is available to assist with emergencies 24-hours per day.
What is Assisted Living?
Assisted Living is both a housing and health care option for seniors. Generally, most Assisted Living residents need assistance with two or more activities of daily living (ADLs) such as assistance with bathing, hygiene, dressing and medications. Popular benefits for seniors in need of Assisted Living services include increased socialization with peers, enhanced nutritional status, and greater compliance with medications.
Does Medicare pay for Assisted Living?
No, Medicare does not pay for Assisted Living. However, Long Term Care Insurance policies are becoming more popular and include Assisted Living options.
Is Veteran’s Assistance available?
Veteran’s Assistance may be available for veterans that reside in Assisted Living and/or their surviving spouses. To qualify, a resident must have been honorably discharged, or served 90 days on active-duty with at least one of those days served during wartime. For more information, call the Veterans Hotline toll free number 1-800-827-1000 or ask for more information during your visit.
Do you require an endowment or buy-in?
No endowment or buy-in required. Harbor Place at Cottesmore apartments are rented on a month to month basis.
Are any of my expenses tax deductible?
As a resident of a retirement community some or all of your personal care expenses or Assisted Living expenses may be tax deductible as medical expenses if you and/or your family meet certain criteria. For more information, refer to IRS publication 502. This publication can be accessed at www.irs.gov or by calling 1-800-829-3676.
Why should I choose Harbor Place at Cottesmore?
Harbor Place at Cottesmore not only meets your needs, we exceed the service you expect. We believe in our mission of tradition, service and excellence. At Harbor Place all of our apartments are licensed for independent retirement or assisted living services, so we’re able to meet your needs even if they change. We are part of the Cottesmore Campus where we have a state-of-the-art rehabilitation center and skilled nursing facility. Harbor Place residents are able to have our talented therapy staff work with them on an outpatient basis.
Is there a minimum age for residence?
Yes, our minimum age for residence is 55.
What are my choices for type of residence?
We have options to suit many levels of independence or assistance.
Apartment style options: Studio, One Bedroom, Two Bedroom
Are residences furnished?
All residences are unfurnished, allowing you to bring whatever furniture and accessories you like to decorate your new home.
Is transportation available?
Yes, scheduled transportation is available for medical appointments as well as shopping trips and planned outings. Additional transportation may be purchased for a nominal fee.
Are there facilities for my guests, including overnight?
Harbor Place at Cottesmore does provide guest room services for a small fee based on availability.
Do you have a Waiting List Program?
Yes. With our “Wait List Program” you can select the style of apartment you desire for a future date.