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The state of Indiana is attractive to seniors due to a relatively low cost of living. The state’s cost of living index is 87, which is much lower than the national average of 100. Indiana is also known to be tax-friendly to retirees since social security retirement benefits are excluded from the state income tax.

Directory of Assisted Living Facilities in Indiana

Every long-term care facility in Indiana has different policies regarding applicants, financial assistance, nursing services, and costs. It’s important to research those aspects as well as the amenities offered by each facility when looking for an assisted living facility for you or your loved one. The directory below lists information on 311 assisted living facilities in the state of Indiana.

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How to Pay for Assisted Living in Indiana

Determining how to finance assisted living often starts with the question, “What’s the cost?” In today’s economy, where inflation plays a significant role, having current data is crucial for senior living financial planning. has gathered cost information from its expansive network of over 75,000 senior living providers. This data offers a glimpse into the average expenses for assisted living in Indiana and 48 additional cities within Indiana.

How Inflation Has Impacted the Cost of Assisted Living in Indiana

When it comes to assisted living, not all states have been impacted equally by inflation. In Indiana, the average cost of care went down from $4,360 in 2022 to $4,357 in 2023. Illinois also saw a decrease, as its average dipped 4.5% during the same time. Indiana and Illinois are two of only five states to experience this reduction. Nationally, the average cost of assisted living rose by 10%.

Decreasing prices aren’t expected to continue in Indiana. The projected average for 2024 is $4,699. For Illinois, it’s $5,313. Therefore, families will need to plan ahead to keep up with increases.

Location 2022 Cost (Historical) 2023 Cost (Current) 2024 Cost (Estimated)
Indiana $4,360 $4,357 $4,699
U.S. Average $4,070 $4,459 $4,802
Illinois $4,959 $4,742 $5,313
Kentucky $3,288 $3,748 $4,397
Michigan $3,668 $4,111 $4,577
Ohio $4,110 $4,478 $5,268

Assisted Living Costs in Indiana's Top Cities

Assisted living costs across Indiana’s top cities can vary by about $600. South Bend is at the low end of the scale, with an average of $3,773. Evansville is near the top of the range, with an average of $4,349, but this is still reasonable compared to the state average. Indianapolis falls in the middle with a rate of $4,036. Fort Wayne’s is similar at just $138 more per month than the state capital.

The Cost of Other Types of Senior Living

When researching different senior living options in Indiana, it’s important to consider how levels of care affect prices. For instance, memory care provides specialized activities and treatments for seniors experiencing cognitive decline, so it costs about $1,500 more per month than assisted living, which doesn’t offer these services. Independent living, on the other hand, costs about $2,000 less than assisted living because it doesn’t need to employ caregivers to assist with activities of daily living.

Financial Assistance for Assisted Living in Indiana

Indiana Aged & Disabled Medicaid Waiver

While Medicaid doesn’t directly pay for assisted living in Indiana, there is a waiver program which does. The Indiana Aged & Disabled Medicaid Waiver is designed to help the elderly and disabled who require care services similar to that of nursing homes. The program supports individuals in certain Medicaid-approved assisted living facilities and adult family care homes or foster homes. The waiver also provides the Consumer-Directed Attended Care Program (CDAC) that allows individuals to choose their own care providers, which can include friends and family members.

This waiver program has a cap of 13,000 people who can use the program at one time, and a waiting list of five years is available.

Who Is Eligible?

Applicants who are eligible for Indiana Aged & Disabled Medicaid Waiver should:

  • Be residents of Indiana
  • Be aged, blind, or otherwise disabled
  • Agree to live in approved care residences instead of nursing homes
  • Qualify for institutional care that is provided at a nursing home
  • Have a monthly income limited to $2,250 or/and countable assets limited to $2,000 as single applicants

How to Apply

The first step is to apply for Medicaid. The local Area Agencies on Aging will assess the level of care the applicant requires and initiates the Medicaid application process (Indiana Application for Health Coverage). On approval, the applicant can apply for the Aged & Disabled Medicaid Waiver.

More Ways to Finance Assisted Living

Some additional ways to finance assisted living costs include:

  • Veterans Benefits: Veterans can take advantage of several different pension programs to help cover the cost of assisted living. For more information, see the article on
  • Life Insurance Policies: Even if a spouse or loved one hasn’t died, certain types of life insurance policies can be used to pay for assisted living. More information is available at
  • Long-Term Care Insurance: Long-term care insurance is a type of insurance policy that pays for long-term care when it becomes necessary, including the cost of assisted living. For more information on the benefits and drawbacks of this financing method, visit
  • Reverse Mortgages: Reverse mortgages allow seniors to access the equity from a home that they own, and these funds can be used to pay for assisted living. The U.S. Department of Housing and Urban Development offers a federally insured reverse mortgage program.

Free Assisted Living Resources in Indiana

In Indiana, a multitude of resources are available to support seniors during their retirement years. has gathered data on various local entities, initiatives, and agencies, and organized them according to the type of care they provide for effortless navigation.

Area Agency on Aging

Your local Area Agency on Aging is a valuable resource for retirees, offering guidance on financial aid, in-home care, and long-term care planning. They also link seniors and caregivers to community resources.

Program Name Phone Number Description
Indiana Area Agencies on Aging Area Agencies on Aging in Indiana support older adults and their caregivers by providing services ranging from case management, Medicare fraud prevention and referrals to local programs that support the daily needs of seniors. Sixteen agencies across Indiana work with local programs to provide services such as meal delivery, transportation to medical appointments, assistance paying for heating and cooling bills and training for caregivers. Indiana seniors can call a toll-free number to learn about additional services.

Cash Assistance Programs

In Indiana, financial aid programs are available to support low-income seniors in maintaining their home-based living. These programs offer tax relief, essential service discounts, and assistance with home heating and cooling expenses.

Program Name Phone Number Description
Indiana Lifeline Program 800-234-9473 The LifeLine Program offers a discount on landline or mobile telephone service, ensuring that participants can stay in contact with loved ones. Contact your telephone company to begin the application process.
Indiana Temporary Assistance for Needy Families (TANF) 800-403-0865 Indiana State Government Division of Family Resources is responsible for administering cash assistance programs and benefits, including the Temporary Assistance for Needy Families (TANF) program. TANF offers temporary financial aid and support for low-income families with dependent children under the age of 18. Payments are based on a family’s countable monthly income in relation to the size of the family. The program also offers support for basic needs, job training and employment services to help families work toward long-term self-sufficiency.

Financial Assistance for Senior Care and Senior Living

Seniors in Indiana, whether residing independently or in a senior living facility, have access to various local financial aid options. These entities assist in offsetting certain in-home or long-term care expenses and link them to beneficial community resources.

Program Name Phone Number Description
Indiana’s Aged and Disabled (A&D) Waiver Hoosier Care participants whose health conditions make them eligible for state-funded care in a nursing home may be able to avoid placement with services provided by Indiana’s Aged and Disabled (A&D) Waiver. This waiver pays for many different types of care services that support seniors in their own homes or in assisted living communities and stay out of the more intensive care offered at nursing homes. Services paid for or directly provided by the Indiana Aged and Disabled Waiver include: • Adult day health care • Assisted living expenses • Attendant Care • Self-directed attendant care in the home • Case management support • Transitional care • Home delivered meals • Personal emergency response system (PERS) hardware • Pest control • Respite care • Transportation • Personal vehicle modifications

Food Assistance Programs

In Indiana, various local initiatives are dedicated to promoting senior health through balanced nutrition. They offer services like meal delivery, communal dining, and food banks, ensuring elderly residents have access to affordable, nutritious food.

Program Name Phone Number Description
Indiana Meals on Wheels Meals on Wheels is a food assistance program for Indiana seniors aged 60 and over. To qualify, seniors must have diminished mobility that makes meal preparation and shopping difficult. Seniors receive nutritious meals via home delivery or in a congregate setting at their local senior center. Meals are provided on a sliding scale, so they range from free to full price, and no senior is denied for inability to pay. The program also provides safety checks and friendly visits.
Indiana Supplemental Nutrition Assistance Program (SNAP) 800-403-0864 The Indiana Supplemental Nutrition Assistance Program helps low-income Indiana residents, including eligible seniors ages 60 and over, obtain healthy food. To qualify, seniors must meet financial, state residency and citizenship requirements. Financial criteria apply to income and asset limits. Seniors are given an electronic benefits transfer card known as the Hoosier Works card, which functions like a debit card and is accepted at most grocery stores for eligible food items. It can’t be used for alcohol or tobacco.

Free Used Medical Equipment

In Indiana, numerous groups are addressing the steep expense of new medical equipment. They gather gently used items like wheelchairs, ramps, and walkers, providing them to local seniors and individuals in need.

Program Name Phone Number Description
Indiana The National Federation of the Blind (NFB) 410-659-9314 NFB offers assistive equipment for blind and visually impaired people throughout the state. The program maintains a large inventory, but customers are encouraged to reserve equipment before a visit.

Home Repair and Modifications

In Indiana, numerous programs are available to aid seniors and individuals with disabilities in financing home modifications and repairs. These programs, offering grants or loans, have diverse eligibility requirements specifically designed for retirees.

Program Name Phone Number Description
Indiana Accessibility Modification Program (AMP) 800-442-2568 FHLBank Indianapolis provides home repair and modification services to make homes more accessible for seniors with mobility issues. Participating FHLBank financial institutions fund grants through the Accessibility Modification Program, which serves homeowners 62 years or older and their dependents under 17 years old. Any seniors with disabilities can qualify for the program. Household income must be at or below 80% of the Area Median Income HUD Income Limits to qualify for assistance.
Indiana Home Repair Programs 202-708-1112 Indiana has several organizations that help low-income seniors in the state pay for vital repairs to their homes. One is the Indiana Affiliates of Habitat for Humanity, which rehabilitates homes so that seniors can stay living in them safely. Another is the Veterans Affairs Regional Loan Center, an organization that provides loans and grants to seniors who need to adapt their existing dwellings to meet their changing needs.
Indiana Single Family Housing Repair Loans & Grants 317-290-3100 The Indiana Rural Development State Office administers Single Family Housing Repair Loans & Grants in Indiana. The USDA program is for homeowners aged 62 and older who live full-time in a residence, can’t secure funding from another agency and meet the very low income guidelines for their county. Applicants must use grants to remove health and safety hazards, and loans can go toward repairing, improving or modernizing homes. Applications are available and accepted year-round at each area’s local RD office.
Ramp Up Indiana 800-872-0371 Ramp Up Indiana is a Home Repair and Modifications program in Indianapolis, IN, that helps with mobility assistance. Homeowners with household wheelchair users or other mobility issues can apply for exterior ramp installation to improve home accessibility. The pre-built aluminum or steel ramps help reduce falls and improve the quality of life for residents with mobility problems. Ramp repair is also available through Ramp Up Indiana.

In Indiana, numerous agencies provide affordable or complimentary legal assistance to the elderly. They offer counsel on matters like estate management, living wills, and power of attorney. Some even serve as advocates for seniors’ rights in long-term care facilities.

Program Name Phone Number Description
Indiana Adult Protective Services 800-992-6978 Adult Protective Services hears complaints about abuse or neglect of vulnerable adults in Indiana, including seniors. If a senior or family member submits a report to the local APS unit, It will investigate and take the necessary measures to protect the individual.
Indiana Legal Services 844-243-8570 This organization provides free legal assistance in civil cases for seniors who meet income limit requirements. It can help with matters such as wills and estates, advance care directives, guardianships and elder abuse. It also assists with consumer rights issues, including bankruptcy, wage garnishment, repossessions and predatory lending.
Indiana Long-Term Care Ombudsman 800-622-4484 The Indiana Long-Term Care Ombudsman program allows residents of assisted living communities to receive advocacy help. If a resident or resident’s family member believes their rights are not being protected, they can contact the Ombudsman to get help.

Senior Engagement

In Indiana, a variety of programs and resources are available for seniors to stay engaged and active. These include wellness initiatives, volunteering options, and support networks, all aimed at fostering community involvement and enhancing life quality.

Program Name Phone Number Description
Indiana Dementia Friends 317-254-5465 Dementia Friends Indiana, a nonprofit run by CICOA Aging & In-Home Solutions, is a referral service that connects older adults with agencies that support those coping with cognitive decline. Through the organization’s in-person and virtual events, including Memory Cafes and Become a Friend sessions, seniors and family members can meet others facing dementia-related challenges and learn techniques for safer home management. Loved ones can also access Help and Hope for Family Caregivers, a video series and workbook on navigating caregiving’s demands.

Social Security Offices

In Indiana, Social Security offices provide essential services to seniors and individuals with disabilities. They offer guidance on retirement benefits, disability allowances, and Supplemental Security Income.

Program Name Phone Number Description
Indiana Social Security Social Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you’ll receive monthly payments based on how much you earned when you were working.

Tax Assistance

Numerous tax aid resources are available in Indiana for senior citizens and individuals with disabilities. These include potential exemptions on medical costs, property tax reductions, and other tax relief initiatives.

Program Name Phone Number Description
Indiana Homestead and Over 65 Deduction 800-457-8283 Indiana’s homestead deduction lowers the property tax burden for a resident’s primary residence and up to 1 acre of land. The standard deduction is for a maximum assessed property value of $45,000 or 60% of the property’s value, whichever is less. An additional deduction is available for seniors 65+ whose property value is $200,000 or less. Seniors may also apply for the Over 65 Circuit Breaker Credit, which limits how much their property taxes can increase each year.

Utility & Energy Bill Assistance

Organizations are available to aid low-income seniors in {} struggling with home maintenance costs, including utility and energy bills. Emergency funding may also be accessible for those at risk of utility service termination due to unpaid bills.

Program Name Phone Number Description
Indiana Energy Assistance Program 317-232-7777 Energy assistance is available to Indiana residents who meet the program’s financial restrictions, which are similar to Medicaid’s income and asset limits.

Veteran’s Services

Veteran services in Indiana offer invaluable assistance to retired military personnel. These local entities guide veterans in utilizing their rightful benefits and provide counsel on diverse matters.

Program Name Phone Number Description
Indiana VA Benefits and Health Care Senior veterans and their dependents may receive state income tax exemptions, property tax exemptions, military retired pay and additional funds to help finance care via the Aid and Attendance program from the Indiana VA. Additionally, numerous medical services, including mental health, primary and specialty care, as well as social programs, can be accessed at the Richard L. Roudebush VA Medical Center in Indianapolis. In some cases, the Indiana VA’s services are available remotely.

Assisted Living Laws and Regulations in Indiana

Assisted Living Service Plans

Every applicant for assisted living is individually examined before being admitted. Based on the evaluation, the facility should draw up a service plan specific to the needs and interests of the resident. The resident’s preferences for service provisions are also considered. The evaluation should be updated semi-annually to ensure the service plan is appropriate for the resident.

Assisted Living Admission Requirements

Individuals who can be admitted to an assisted living facility must be:

  • Residents of Indiana
  • Mentally stable
  • Functional and able to do at least 3 daily living activities like eating, toileting, and moving without total assistance

Additionally, those seeking to reside in an assisted living facility should not:

  • Be a danger to themselves or others
  • Require 24-hour-a-day comprehensive, trained nursing care
  • Require any rehabilitative therapies

Assisted Living Scope of Care

Assisted living facilities (or residential care facilities in Indiana) don’t require a license unless they administer medication or residential nursing care. The scope of care of an assisted living facility includes:

  • Housing
  • Meals
  • Laundry
  • Housekeeping
  • Social or leisure activities
  • Minimal assistance in daily living activities

A resident does not have to be discharged if he or she is receiving hospice services from a licensed practitioner of the resident’s choice. The resident has the right to choose his or her own physicians and providers.

Assisted Living Medicaid Policy

While Indiana’s Medicaid program doesn’t directly cover the cost of assisted living for all low-income seniors, there is a waiver program that can help cover the cost of assisted living called “Indiana’s Aged & Disabled Medicaid Waiver.” If a facility participates in the Medicaid Waiver program, it must provide its applicants and residents with written information about the programs benefits, services, and application process.

The waiver provides eligible elderly and disabled adults an alternative to a nursing facility and allows them to remain in an assisted living facility, an adult foster care, or their own home. This waiver program has a cap of 13,000 people who can use the program at one time, and a waiting list of five years is available.

Assisted Living Facility Requirements

An Indiana assisted living facility must file a disclosure form with the Family and Social Services Agency Division of Aging. Facilities that are enrolled in the Medicaid waiver program must offer units with a bedroom, a private bath, a substantial living area, and a kitchen. Kitchens must have a refrigerator, stove top or oven, microwave, and an area to prepare food.

The Indiana State Department of Health has specified living arrangements. All facilities must have:

  • Provisions for the disabled as per Indiana’s rules and regulations
  • Air conditioning, ventilation, heating, and plumbing systems that comply with the state’s safety commission.
  • Access to and provide safe and potable water approved by the Indiana Department of Environmental Management.
  • Proper sewage management as per the laws and rules by the state’s water pollution control board.
  • Outside windows that provide light and ventilation in each room equal to one-tenth of the total floor area.
  • An automatic control valve to control water temperatures, which should be between 100-120 degrees Fahrenheit.

Every resident should be provided with:

  • A bed with a clean, comfortable mattress as per the resident’s requirements
  • A bedside cabinet
  • A bedside lamp
  • A cushioned comfortable chair
  • Curtains or screens as per the resident’s preferences
  • A unit that opens directly into the corridor
  • Equipment to summon a staff member
  • Individual closet space

For a facility plan approved before April 1997, the state has drawn a certain ratio between toilet facilities and the number of residents. For facilities approved after April 1997, the state has made it mandatory for each unit to have a private toilet and a bathtub or shower.

Medication Management Regulations

The Indiana State Department of Health has spelled out rules and laws for assisted living facilities to manage medication, including the following stipulations.

  • Administration of medications shall be ordered by the resident’s physician and supervised and administered by a licensed nurse, a qualified medical aid, or medical practitioner on the premises of the facility or on call.
  • Each resident must have a primary care physician according to his or her preference.
  • Effects of medications must be documented and reported to the physician.
  • Each time a medication is administered, details like time, the name of the medication, dosage, and the name and initials of the individual administering the drug must be recorded in the resident’s treatment record.

Staffing Requirements

The facility must hire sufficient staff with qualifications and training that comply with the state’s laws. A minimum of 1 awake staff member with a CPR and first aid certificate per 50 residents shall be on the site at all times.

Staff Training Requirements

Each employee should be given an orientation which includes:

  • Instructions on the needs of specialized individuals including aged, mentally and physically disabled, children, and people with dementia
  • A review of the facility’s policy and procedure manual
  • Instructions in first aid, emergency procedures, disaster management, and the evacuation process
  • A review of ethical considerations and confidentiality
  • Information on the particular needs of each resident.

An in-house education program should be designed to include residents’ rights, prevention and control of infection, and fire and accident prevention. An in-service program record must be maintained to indicate if each employee has met the required number of in-service hours annually.

Requirements for Reporting Abuse

Complaints or infractions in any healthcare facility must be reported to the Indiana State Department of Health. The ISDH Incident Reporting System is the state’s online system to process reports of any untoward incidents taking place at a healthcare facility. On receiving the complaint, the ISDH conducts an inspection in a day or two to ensure quality health care.

The Incident Reporting Form available on the ISDH website should be filled and e-mailed at [email protected] before reporting the incident online. A complaint can also be reported at the toll-free Complaint Report number at 1-800-246-8909.

Elder abuse should be reported to the Adult Protective Services by calling at 1-800-992-6978. There are 15 APS Units across Indiana to help elderly who are victims of neglect, exploitation, or battery.

Indiana COVID-19 Rules for Assisted Living Facilities

Note: The following information was compiled and most recently updated on 2/7/22. Since COVID-19 is a rapidly evolving crisis, be sure to contact your assisted living facility or local Area Agency on Aging for the most up-to-date information.

COVID-19 Rules in Indiana
Are loved ones allowed to visit residents in their assisted living community? Yes (Conditions Apply)
Are residents required to quarantine after their loved ones visit? No
Are loved ones required to wear masks when visiting residents? Yes
Are Hairdressers and other non-medical contractors allowed in assisted living communities? Yes
Are visitors screened for elevated temperatures before entering the assisted living community? Yes
Are residents allowed to leave the assisted living community for non-medical reasons? Yes
Are residents who leave required to quarantine when they get back to the assisted living community? No (Conditions Apply)
Are assisted living communities required to cancel all group outings? No
Are assisted living communities allowed to host group activities within the community? Yes (Conditions Apply)
Are staff members regularly checked for elevated temperatures? Yes
Are staff members regularly tested for COVID-19? Yes (Conditions Apply)
Are residents regularly screened for COVID-19 symptoms? Yes
Are residents regularly checked for elevated temperatures? Yes
Are residents regularly tested for COVID-19? Yes (Conditions Apply)



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