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Costs of Assisted Living in Colorado

It costs about $4,000 per month ($49,000) on average for care in an Assisted Living Facility in Colorado, although the amount may increase depending on the services needed. Although higher than the national average of $3,293 per month, Colorado is a state with a higher cost of senior living than the national average, but a large portion of that is determined by Colorado housing costs, which make up a large percentage of the cost of living index.

The costs may also increase for seniors with Alzheimer's or dementia who are being cared for via a special program. Assisted living costs in Colorado are certainly much lower than the cost of a Colorado nursing home, where semi-private rooms cost $83,220 and a private room is almost $98,000 per year.

Assisted Living in Colorado costs more than Adult Day Health Care, which averages around $17,000 per year and Colorado Assisted Living Facilities are actually cheaper than hiring a Home Health Aide which costs, on average, $55,000 a year. It is estimated that by the year 2030, Assisted Living in Colorado will cost $73,000 per year – an increase of around $24,000.

Here is a city by city breakdown of assisted living costs in Colorado:

  • Pueblo, CO - $2,750 per month
  • Greeley, CO - $3,550 per month
  • Grand Junction, CO - $3,795 per month
  • Denver, CO - $4,250 per month
  • Boulder, CO - $4,500 per month
  • Fort Collins, CO - $4,550 per month
  • Colorado Springs, CO - $4,839 per month

Pueblo, Colorado is by far the most affordable city in Colorado when it comes to assisted living - at just $2750 cost per month. Colorado Springs, however, is very costly when it comes to assisted living.

Colorado is one of the most beautiful states in America, as well as one of the most outdoor-friendly. Within the state there are four national parks, three national historic trails, 11 national forests, two national grasslands, 42 national wilderness areas, eight national wildlife refuges, and numerous other non-federal designated wildlife areas. Is Colorado a good destination for senior living?

Assisted living services and amenities in Colorado

In Colorado, assisted living facilities (ALFs) are regulated by the Colorado Department of Public Health and Environment (CDPHE). These facilities must comply with state regulations that ensure the safety and well-being of residents. Colorado’s regulations focus on the quality of care provided, ensuring that facilities meet specific standards regarding staffing, safety, and resident rights.

Services Offered in Assisted Living Facilities

  1. Personal Care Services
    ALFs in Colorado are required to provide residents with assistance with daily living activities such as bathing, dressing, grooming, and eating. Facilities must ensure that staff are trained to provide these services in a manner that respects the dignity and preferences of the residents.

  2. Medication Management
    Colorado regulations require that assisted living facilities provide medication assistance, which may include medication reminders or help with self-administration. For residents who need more direct assistance, facilities can arrange for licensed staff, like nurses, to administer medications.

  3. 24-Hour Staffing and Supervision
    Colorado mandates that ALFs provide continuous supervision to ensure the safety and security of residents. Facilities must have staff available around the clock, including emergency assistance if necessary.

  4. Health and Wellness Monitoring
    Facilities are responsible for monitoring the health of residents, including coordinating with healthcare professionals for regular assessments. Facilities must ensure that residents receive proper medical care or have access to it as needed. Many facilities offer services like routine health checks, wellness programs, and coordination with outside healthcare providers, such as doctors or physical therapists.

  5. Social and Recreational Activities
    Assisted living facilities in Colorado offer a range of activities to engage residents and promote socialization. These can include arts and crafts, exercise classes, group outings, and holiday celebrations. Social activities are designed to keep residents mentally and physically active, reducing isolation and improving quality of life.

  6. Transportation Services
    Transportation to medical appointments, shopping centers, or recreational outings is often provided by ALFs in Colorado. This service is essential for residents who no longer drive or prefer not to, ensuring they maintain access to essential services and social opportunities.

  7. Nutritional Support and Dining Services
    Assisted living facilities in Colorado are required to provide residents with balanced, nutritious meals. Many facilities offer individualized meal plans to accommodate dietary restrictions or preferences. Some also provide specialized services such as on-site dining rooms, room service, or snack stations available throughout the day.

  8. Memory Care Services
    For residents with Alzheimer’s or other forms of dementia, some assisted living facilities offer specialized memory care units. These units are equipped with staff trained in managing the unique needs of individuals with cognitive impairments. These facilities provide enhanced safety features, such as secure environments to prevent wandering, and tailor activities to stimulate memory and cognitive function.

Amenities Available in Assisted Living Facilities

  1. Private and Shared Rooms
    Colorado ALFs offer a range of living arrangements, from private rooms to shared accommodations, depending on the needs and preferences of the resident. The facilities typically furnish the rooms, though residents are often allowed to personalize their space with their belongings to make it feel more home-like.

  2. Common Areas and Social Spaces
    Most assisted living facilities in Colorado feature communal spaces, such as lounges, dining rooms, and libraries, where residents can socialize, relax, or engage in activities. These spaces foster community and allow residents to interact with one another and participate in group events.

  3. Safety Features
    Safety is a top priority in Colorado ALFs, and facilities must be equipped with features such as emergency call systems, handrails, non-slip flooring, and secure entry points. Many facilities also have security measures like surveillance cameras and staff trained in emergency response procedures to address any issues that may arise.

  4. Fitness Centers and Outdoor Spaces
    Many facilities in Colorado offer fitness centers with exercise equipment tailored to older adults. Outdoor spaces, such as gardens or walking paths, are also common, providing residents with a safe area to get fresh air and engage in light physical activity.

  5. Beauty and Barber Services
    To enhance the comfort and well-being of residents, many assisted living facilities in Colorado include on-site beauty and barber services. These services can include haircuts, hairstyling, and other grooming needs to help residents maintain their personal appearance.

  6. Housekeeping and Laundry Services
    Regular housekeeping services, such as cleaning rooms, changing linens, and doing laundry, are provided in most Colorado ALFs. This service ensures that residents’ living spaces remain clean and comfortable without them needing to manage these chores themselves.

  7. Pet-Friendly Options
    Some assisted living facilities in Colorado are pet-friendly, allowing residents to bring pets with them or have pet visitation programs. This can help reduce feelings of loneliness and provide emotional comfort to residents who enjoy the companionship of animals.

Types of Colorado Assisted Living Communities

Colorado offers a variety of assisted living communities that cater to different levels of care, lifestyles, and preferences. These communities are designed to meet the unique needs of seniors while providing a supportive and comfortable environment. Below are some of the key types of assisted living options available in Colorado:

1. Traditional Assisted Living

Traditional assisted living communities in Colorado provide a combination of independent living with support services for seniors who need assistance with daily activities, such as bathing, dressing, eating, and medication management. These communities typically offer private or semi-private rooms or apartments and feature common areas for social activities, dining, and entertainment. Residents benefit from 24-hour supervision, personalized care plans, and the opportunity to engage in recreational and social activities.

2. Memory Care Communities

Memory care communities are designed specifically for individuals with Alzheimer’s disease, dementia, and other memory-related conditions. These facilities offer specialized care that focuses on memory stimulation, cognitive therapies, and ensuring the safety of residents. In Colorado, memory care communities are often part of a larger assisted living facility or offered as a separate unit. They provide structured environments to help residents maintain as much independence as possible, with additional supervision, security features, and staff trained in dementia care.

3. Continuing Care Retirement Communities (CCRCs)

Continuing Care Retirement Communities (CCRCs) in Colorado provide a full spectrum of care, from independent living to assisted living, and skilled nursing care. These communities allow seniors to age in place, offering a seamless transition from one level of care to another as their needs change. CCRCs often require an entrance fee and offer a variety of lifestyle options, such as apartments, cottages, and villas. In addition to healthcare services, CCRCs provide social activities, dining options, wellness programs, and other amenities.

4. Respite Care Assisted Living

Respite care communities in Colorado offer short-term stays for seniors who may require temporary assistance, such as when their primary caregiver needs a break or when recovering from surgery or illness. These communities provide the same services as traditional assisted living but on a short-term basis. Respite care is also beneficial for family members who need time to rest or address personal matters while ensuring their loved one receives proper care in a safe environment.

5. Small Assisted Living Homes

Small assisted living homes, also known as board-and-care homes, are private homes converted into living spaces for a small number of residents. Typically, these homes offer a more intimate and personalized setting compared to larger facilities. They are ideal for seniors who prefer a smaller, family-like environment with individualized attention. Small assisted living homes often provide similar services to traditional assisted living communities but in a more homey and less institutionalized setting.

6. Luxury Assisted Living

Luxury assisted living communities in Colorado focus on providing high-end amenities and services for residents who require assistance with daily living but also want a more luxurious lifestyle. These communities often feature upscale accommodations, gourmet dining, concierge services, spa treatments, fitness centers, and a wide range of activities. Luxury assisted living communities cater to individuals who value comfort and quality, often in scenic or desirable locations.

7. Veteran-Specific Assisted Living

Veteran-specific assisted living communities in Colorado are designed for seniors who have served in the military. These communities offer specialized care that takes into account the unique needs of veterans, such as providing services related to veterans' benefits, counseling, and support for conditions like PTSD. Some of these communities are run by the Department of Veterans Affairs or private organizations with a focus on providing care and services to veterans and their families.

8. Faith-Based Assisted Living

Faith-based assisted living communities cater to seniors who want to live in an environment that aligns with their religious beliefs. These communities integrate spiritual care and religious activities into their daily offerings, such as prayer services, scripture study, and worship. In Colorado, faith-based assisted living options may be affiliated with specific Christian denominations, Jewish traditions, or other religious faiths, providing a nurturing environment for individuals who wish to continue practicing their faith in their later years.

9. Affordable Assisted Living

Affordable assisted living communities in Colorado focus on providing affordable care options for seniors who may have limited financial resources. These communities often offer basic care and services at a lower cost and may be subsidized by government programs, such as Medicaid. While they may not offer the luxurious amenities of higher-end communities, they still provide the necessary support and care that seniors need to live independently and safely.

10. Holistic Assisted Living

Holistic assisted living communities in Colorado focus on a comprehensive approach to senior care that includes physical, emotional, and spiritual well-being. These communities often offer integrative therapies such as massage, acupuncture, yoga, and meditation to promote a balanced lifestyle. Holistic care centers on treating the whole person, not just their medical needs, and often emphasize natural health practices, mindfulness, and a healthy living environment.

Safety Measures in Colorado Assisted Living Facilities

Safety in Colorado assisted living facilities is a critical priority, with regulations and practices in place to ensure the well-being of residents. These facilities are designed to provide a secure, supportive environment for seniors, many of whom may have mobility challenges or health concerns. The following are the key safety measures in place at these facilities:

1. Staffing and Training Requirements

Assisted living facilities in Colorado are required to have sufficient staff to meet the needs of residents. Staff members must undergo comprehensive training, including emergency response procedures, CPR, first aid, and infection control. In addition, caregivers are trained to handle various medical conditions, ensuring that residents receive appropriate care.

2. Emergency Preparedness

Facilities are equipped with comprehensive emergency preparedness plans to address potential risks like natural disasters, fires, and medical emergencies. These plans include evacuation procedures, designated safe areas, and regular fire drills. Residents are often involved in fire drills to familiarize them with evacuation routes and ensure their safety in case of an actual emergency.

3. Fall Prevention Measures

Falls are a leading concern for elderly residents, so Colorado assisted living facilities implement various fall prevention strategies. These include the installation of handrails, non-slip flooring, and adequate lighting in hallways and bathrooms. Staff members also monitor residents who may be at high risk of falling and may provide mobility assistance as needed.

4. Security Systems

Most assisted living facilities in Colorado are equipped with advanced security systems to protect residents. These systems include surveillance cameras in common areas, secure entry points with key-card or code access, and on-site security personnel. Many facilities also provide emergency call systems in resident rooms, enabling residents to request immediate assistance.

5. Medication Management

Medication management is a key safety measure in assisted living facilities. Staff members are trained to properly administer medications and monitor for potential interactions or side effects. Colorado facilities must adhere to state regulations regarding medication storage, ensuring that medications are securely stored and dispensed according to prescribed instructions. In some cases, a licensed nurse is on hand to oversee the medication process.

6. Health and Wellness Monitoring

Facilities frequently monitor residents' health through regular check-ups, including assessments of vital signs, mental health evaluations, and routine medical exams. This proactive approach helps to identify early signs of health issues such as infection, dehydration, or mental decline, enabling early intervention and proper care.

7. Resident and Family Communication

Clear communication between residents, their families, and staff is essential for safety. Assisted living facilities in Colorado maintain open lines of communication regarding residents’ health status, personal preferences, and any safety concerns. Many facilities also encourage regular family visits, allowing relatives to stay involved in their loved one’s care and identify potential safety issues.

8. Environmental Safety Standards

Colorado regulations ensure that assisted living facilities maintain a safe and comfortable living environment. This includes maintaining proper temperature control, ensuring that rooms are well-lit, and providing comfortable furnishings that meet safety guidelines. Facilities also follow strict sanitation protocols to prevent the spread of infection.

9. Transportation Safety

For residents who require transportation, many facilities offer safe, accessible transportation options for medical appointments, social activities, or errands. These vehicles are typically equipped with ramps, seat belts, and safety features designed for elderly passengers, ensuring safe transit to and from the facility.

Moving to Colorado Assisted Living Facilities

Relocating to an assisted living facility in Colorado can be a significant transition, offering both challenges and benefits. Colorado is known for its scenic beauty, outdoor lifestyle, and overall high quality of life, which can make it an appealing place to retire or seek care. However, there are specific considerations to keep in mind when moving to an assisted living facility in this state.

1. Climate and Environment

Colorado's climate varies significantly depending on the region. The state is known for its dry, sunny weather, but there can be extreme temperatures, especially in the mountains. The higher altitude areas can have cooler, more unpredictable weather, which may affect individuals with respiratory conditions or mobility issues. When considering assisted living facilities in Colorado, you’ll want to look for a location with climate that suits your health needs and preferences.

The natural beauty of the state is a notable feature, and many assisted living facilities take advantage of the outdoor surroundings. Some locations even offer access to parks, hiking trails, and views of the Rocky Mountains, which can improve quality of life and provide residents with peaceful environments.

2. Health Care Options

Colorado has a well-developed healthcare system, with a number of world-renowned medical institutions, particularly in Denver and Colorado Springs. Many assisted living communities in Colorado are close to these hospitals, ensuring that residents have access to specialized care when needed. If your loved one has specific health requirements, such as neurological care, rehabilitation, or chronic disease management, it’s essential to ensure the facility has proper connections to healthcare providers and medical institutions.

3. Facility Regulations and Standards

Each state has specific regulations that govern the operation of assisted living facilities, and Colorado is no exception. The Colorado Department of Public Health and Environment (CDPHE) oversees regulations to ensure that these facilities maintain a safe, comfortable environment for residents. Facilities must adhere to state rules regarding staffing ratios, training, health and safety protocols, and resident care services.

When moving to an assisted living facility in Colorado, it is important to verify the facility’s certification and review its inspection history. You should inquire about the facility’s compliance with Colorado’s stringent safety and care regulations, especially around issues such as medication management, emergency preparedness, and cleanliness.

4. Cost of Living and Expenses

The cost of living in Colorado can vary widely based on location, with urban centers like Denver, Boulder, and Colorado Springs being more expensive than smaller towns or rural areas. Assisted living costs in Colorado are also influenced by factors such as the level of care required, the type of facility, and additional services offered. On average, assisted living in Colorado may be more affordable than in states with higher living costs, like California or New York, but still higher than in some other regions of the U.S.

You should consider the total cost of living in the area, as well as the monthly fees at the facility, which typically cover housing, meals, and basic care. Additional services such as transportation, physical therapy, or specialized memory care will add to the cost.

5. Lifestyle and Amenities

One of the standout features of assisted living facilities in Colorado is the lifestyle they offer. Many communities provide a wide range of amenities, including fitness centers, outdoor activities, social events, and transportation services. The vibrant culture of Colorado, with its emphasis on outdoor recreation, arts, and wellness, is often reflected in the programs and activities offered by assisted living facilities.

Some facilities are specifically tailored to people who enjoy outdoor activities, with easy access to parks, mountains, and recreational areas. If outdoor activities like hiking, birdwatching, or gardening are important to you or your loved one, it’s worth looking for a community that encourages such pursuits.

6. Senior Services and Community Support

Colorado has a strong network of resources and services designed to support seniors, from state-funded programs to non-profit organizations and community centers. Many assisted living facilities in Colorado are integrated into these broader networks, offering residents additional support services such as senior transportation, legal assistance, and social services.

There are also numerous senior-focused organizations, such as the Colorado Senior Lobby, that advocate for older adults' needs and promote a high quality of life for seniors in the state. Engaging with these resources can help ensure that seniors have access to the best care and community support.

7. Location and Accessibility

When choosing an assisted living facility in Colorado, location is key. If you have family or friends who will be visiting, proximity to major highways and airports is an important consideration. Urban centers like Denver and Colorado Springs provide the convenience of nearby cultural attractions, shopping, and dining, while rural areas offer tranquility and natural beauty.

Additionally, many facilities provide transportation services for residents, so being located near shopping centers, medical offices, and entertainment options can enhance the living experience.

8. Preparing for the Move

Moving to an assisted living facility is a big step that requires careful planning. In Colorado, the process may involve preparing for altitude-related adjustments (especially if relocating from lower elevations), ensuring your personal items and health records are up to date, and coordinating the move with professional movers. It's also advisable to visit the facility multiple times before the move to get familiar with the surroundings and meet staff and residents.

It’s crucial to involve the individual moving to assisted living in the decision-making process, ensuring they feel comfortable and supported as they transition into their new home.

Assisted Living Regulations in Colorado

Assisted living in Colorado is regulated by the Colorado Department of Public Health and Environment (CDPHE) and must adhere to the rules set forth under the state’s Assisted Living Residence (ALR) regulations. These regulations ensure the safety, well-being, and rights of residents while maintaining quality standards for the care provided in these facilities.

Licensing Requirements

To operate as an assisted living residence in Colorado, facilities must be licensed by the CDPHE. The licensing process involves a thorough review of the facility’s compliance with state health and safety codes, including staff qualifications, physical plant standards, and procedures for providing care. Each assisted living residence is required to undergo an annual inspection to ensure continued compliance with these regulations.

Staffing and Training

Staffing is an essential component of assisted living regulations in Colorado. The state requires facilities to have a licensed administrator who is responsible for overseeing operations and ensuring that the care provided meets state standards. In addition, staff members who provide personal care must undergo specific training that includes, but is not limited to, safety, resident rights, and infection control. Additionally, staff must be adequately supervised and receive continuing education to maintain the quality of care.

Resident Rights

Colorado regulations also emphasize the protection of resident rights. Assisted living facilities must ensure that residents are informed of their rights, including the right to privacy, autonomy, and participation in decisions about their care. These rights must be upheld at all times, and residents have the right to file complaints without fear of retaliation.

Facilities must also provide a written resident agreement that outlines the terms of service, including costs, services provided, and any other relevant information about the care arrangement. The agreement must be reviewed and updated regularly, with the resident or their legal representative given an opportunity to review it.

Care and Services

Assisted living facilities in Colorado are required to provide services that are appropriate for the needs of the residents, including assistance with activities of daily living (ADLs) such as bathing, dressing, and eating. The regulations specify that services should be delivered in a manner that promotes dignity and independence, and a personalized care plan must be developed for each resident. These plans must be reviewed regularly to ensure that they are still appropriate for the resident's changing needs.

Additionally, facilities are obligated to maintain sufficient staff levels to meet the needs of all residents, especially in cases where higher levels of care are required, such as in the case of memory care or medical assistance.

Physical Environment Standards

Colorado regulations also outline specific standards for the physical environment of assisted living facilities. These include requirements for safety features, such as handrails, non-slip flooring, and accessibility for individuals with disabilities. Rooms should be designed to allow for privacy, comfort, and safety, and facilities must comply with local building codes as well as fire and life safety regulations. Emergency preparedness plans, including evacuation procedures and staff training for emergencies, are also mandatory.

Medication Management

In assisted living facilities, the management and administration of medication are strictly regulated. Facilities must have procedures in place to ensure that medications are administered correctly, stored properly, and that staff are trained in these procedures. While assisted living staff are allowed to assist with medication management, they are not permitted to administer certain medications unless they have been properly trained and are authorized to do so.

Resident Assessments and Care Plans

Before a resident is admitted to an assisted living facility in Colorado, the facility is required to conduct a comprehensive assessment to evaluate the resident’s medical, psychological, and functional needs. Based on the assessment, a care plan is developed, outlining the necessary services, interventions, and assistance the resident will receive. This care plan must be reviewed regularly to adjust services according to any changes in the resident’s condition.

Reporting and Accountability

Assisted living residences in Colorado are required to report certain events and incidents, including abuse, neglect, and significant changes in a resident’s health. These reports must be submitted to the CDPHE, and facilities are subject to investigation if concerns about compliance arise. Residents and their families also have the right to file complaints with the CDPHE, which is obligated to investigate these concerns.

Financial Considerations

Colorado’s assisted living regulations also address the financial transparency of facilities. Providers must ensure that costs are clearly communicated and that residents are aware of all fees associated with their care. Additionally, facilities must offer a billing structure that complies with state laws and regulations. Medicaid and other state-funded programs may provide financial assistance to eligible residents, though each facility may have different policies regarding Medicaid acceptance.

Services for a senior living in Colorado

Colorado Senior LivingColorado has large number of services for seniors, some of which we will discuss here, but many of them are handled by either Colorado's Area Agency on Aging or the Ombudsman.

Colorado’s Area Agencies on Aging (AAA) helps older Coloradans. The main goal is to plan and provide services for Colorado seniors and address the needs of the elderly adults and people with disabilities who are living in Colorado. The Colorado AAA has contacts and contracts with many community-based agencies to provide a variety of necessary services to seniors who live in Colorado, including: information and referral services, case management, meal delivery, senior centers, and legal services.

The state of Colorado also has a Long Term Care Ombudsman, a service that makes sure seniors who live in Colorado resolve any complaints they may have with their living facilities. These facilities include Colorado assisted living facilities, as well as nursing homes. The purpose of the Ombudsman Program is to ensure that Colorado residents' rights are being respected and met. They also advocate on the behalf of residents, solve or mediate problems – be it with facilities, agencies, or families – and try to advocate for improvements in the Colorado long-term care industry. Every facility has an ombudsman and can help Colorado seniors find a facility or resolve problems should problems arise.

Some of the services that are available for senior citizens living in Colorado include (depending on eligibility):

  • Colorado Dental Health Care Program for Low-Income Seniors – a service which provides a discount on dental care to those seniors who are 60 and over and whose income is not sufficient to meet the costs of the dental work needed. You must meet certain requirements to be eligible;
  • Elderly, Blind, & Disabled Waiver (EBD) – this waiver is an addition to Health First Colorado (Colorado’s Medicaid Program) that seniors may be eligible for in certain cases. It provides help to Colorado seniors that are 65 and older with a functional impairment or are blind. It is also available to those aged 18-64 who are disabled or have a diagnosis of HIV or AIDS. The person must require long-term support to remain in the community. To receive benefits from the EDB waiver you must:
  1. Require long-term support similar to the services that are usually provided in a nursing facility;
  2. Must be 18 years of age or older; if an applicant is between 18-64 they must be blind, have a physical disability, or be diagnosed with HIV or AIDS; and
  3. If the senior is 65 or older, they must have been diagnosed with a significant functional impairment;
  4. Meet the financial requirements:
  1. Income must be less than $2,199 per month;
  2. A single individual can’t have countable resources over $2,000; or
  3. A couple can’t have countable resources over $3,000.
  • Community Mental Health Supports Waiver (CMHS) – this waiver provides help to Colorado seniors and non-seniors with a mental illness that necessitates long-term support and services in order for the individual to stay in the community. It also:
  1. Works with or increases the services that a person is eligible for via the Health First Colorado State plan as well as other federal, state or local programs that may be in place;
  2. Works with the supports that are provided by families and communities; and
  3. If you receive services through this waiver program, you are automatically eligible for all of the services that are covered by Health First Colorado except nursing facility and long-term hospital care.

To be eligible for the CMHS Waiver you must be willing to receive services in either your home or the community and meet the following requirements:

  1. Require long-term support similar to the services that are typically provided in a nursing facility;
  2. Must be experiencing a severe and on-going mental health need that requires help with one or more activities of daily living (ADL), but doesn’t include intellectual or developmental disorders or substance use or abuse without an accompanying diagnosis of a severe and on-going mental health need.

The financial requirements of the CMHS Waiver are:

    1. An income of less than $2,199 per month;
    2. A single person can’t have resource of more than $2,000; and
    3. A couple can’t have resources of more than $3,000.
  • Old Age Pension Health and Medical Care Program (OAP) – this is a senior program that provides limited medical care for Coloradans who are receiving Old Age Pension and make too much money to qualify for Health First Colorado. Eligibility requirements include:
    • The Colorado senior must be receiving “Old Age Pension;”
    • The senior does not qualify for Health First Colorado; and
    • The senior is not institutionalized for either tuberculosis or a mental disorder; and
  • Program For All-Inclusive Care for the Elderly (PACE) – a program that is run by Medicare and Health First Colorado which provides both health care and support services to seniors who are 55 and older. The goal of the program is to help frail seniors remain in their communities by providing needs-based services. To qualify for PACE you must:
    • Be 55 years of age or older;
    • Need nursing-facility level care (this is determined by a single point entry agency);
    • Live in one of the counties served by PACE: Adams, Arapahoe, Broomfield, Denver, Jefferson, Pueblo, El Paso, Delta, or Montrose; and
    • Not be a threat to your health or safety while living in a community setting.

Who pays for Assisted Living Care in Colorado?

In most cases, seniors or their families must pay privately for Colorado Assisted Living care. In some cases it may also be paid for by the Veterans Administration. Seniors living in Colorado may also qualify for either the HCBS Waiver for those who are Elderly, Blind or Disabled or the HCBS Waiver for Community Health Supports. These waivers require that you are eligible for Medicaid (Health First Colorado) which requires the following:

  • You must meet the financial requirements. For one senior 65 or older, your maximum income can’t be greater than $674, and for two people that is $908;
  • Adults without dependent children can’t have a household income that is greater than 133% of the Federal Poverty Level.

Pros and Cons of Senior Living in Colorado

Colorado is a diverse state geographically with options for almost anyone. In fact, some years ago it was ranked #2 as one of the best places to retire in the nation.

Here are some things to consider when choosing where to retire in Colorado:

• Weather – Colorado is a state where you actually have all four seasons. The summers are sunny but mild and the winters are snowy but not too cold. The fall is dry but beautiful due to the golden aspen trees;

• Rocky Mountains – considered to be one of the world’s premier skiing locations, this state has plenty of mountains. The different resorts offer skiing lessons and trails for seniors and people of all ages and all skill levels;

  • Culture – the city of Boulder alone has 30 art galleries, four museums, and 32 theaters, so if you are a senior who appreciates art - Boulder, CO may be your retirement place.
  • Food – it really is a state that serves everyone. Colorado Springs and Denver alone have about 4,000 restaurants that serve native and foreign cuisine;

• Taxes – Colorado has lower taxes than the national average and imposes no taxes on Social Security and senior pension income up to $20,000 for retirees under 65, or for the first $24,000 for those over the age of 65. There are no inheritance or estate taxes; and

• Well-being – a Gallup poll found that Colorado residents ranked #10 in happiness and feelings of well-being. The state ranks #8 for overall good health, and compared to other states, Coloradans have lower obesity and diabetes rates, as they exercise more often. There are more than 100 hospitals in Colorado and 11 of them are either nationally ranked or considered to meet standards of strong performance;

Weather in Colorado

The climate of Colorado varies due to the variations in elevation and the side of the state. Colorado’s landscape includes mountains, foothills, high plains, and desert lands and all of these affect the weather. The Eastern Plains of Colorado, which is where the Front Range Urban corridor is located, is semiarid with low humidity and moderate precipitation. It is known for days of sunshine and cool, clear nights. This makes for a wide daily temperature range. During the summer, the high can be above 95° F for many days while the winter lows range from 25° F to –10° F. Such extreme temperature is not easy to tolerate for seniors living in Colorado. 75% of the precipitation that occurs in this area happens between the months of April to September, yet this is also an area that is prone to droughts. The precipitation that occurs in Colorado comes from thunderstorms and from the snowstorms that happen during winter and early spring.

The Front Range Urban Corridor, which is where most residents of Colorado live, is on the lee side of the Rocky Mountains – the lee, or leeward, side being downwind. The Front Range lies in a marked “precipitation shadow” which “means that the mountains block the rain-producing weather systems and cast a ‘shadow’ of dryness behind them”. The cities located in the Front Range that are closer to the mountains are usually warmer in the winter. The average July temperature is 55° F in the morning and 90° F in the afternoon, whereas the average January temperature is 18° F in the morning and 48° F in the afternoon.

West of the plains of Colorado you can expect weather that is ever changing, which depends on the topography of the area. Colorado elderly residents can enjoy summers that are mild and high temperatures that are often between 60° F and 85° F. The winters in Colorado have a tendency to be cooler than those in the Eastern part of the state. Extreme weather is common in Colorado but most of it happens in the least populated parts of Colorado. Hail is a concern for Colorado seniors, and the Eastern plains of Colorado have been subject to some of the worst hail storms in North America. Most of Colorado is a dry state and averages only 17 inches of precipitation per year and the state is usually in a state of drought. This also makes the state vulnerable to wildfires during the summer months - a danger that seniors should be concerned with.

Colorado Demographics

The 22nd most populated state in America and the 8th largest, Colorado has a total area of 104,094 square miles and a population of around 5.5 million people (13% of whom are seniors) – a population density of 52 people for every square mile. Of the 64 counties in Colorado, nine of them have a population over 250,000 each, while there are eight small counties that have a population of less than 2,500. The most densely populated areas are concentrated in the center of the state, around Interstate 25, which is known as the Front Range Urban Corridor.

The metropolitan area of Denver-Aurora-Boulder is the largest in the state with over 3.2 million people, followed by Colorado Springs (approximately 700,000), Fort Collins-Loveland, (over 300,000), Pueblo (approximately 161,000), and Grand Junction (almost 150,000). In one year after the latest census, the population of the Denver-Aurora-Boulder had an increase of over 2%, and an additional increase of 3.75% one year after that.

The top three religious majorities, per recent polling, are: Protestants (44%); Roman Catholics (19%); and Mormons (3%.) By number of adherents the largest is the Roman Catholic Church, non-denominational Evangelical Protestants, and The Church of Jesus Christ of Latter-day Saints. 25% of the population are religiously unaffiliated. English is the primary language in Colorado followed by Spanish.

The racial composition of Colorado is approximately: 81% White (including White Hispanics); 4% Black; 3% Asian; and 1% Native. In recent years, Colorado had the 7th highest percentage of Hispanics in the United States and the 5th largest population of Mexican-Americans. 26% of the population younger than one had at least one parent who identified as a minority.

Financial Well-Being of Seniors Living in Colorado

Colorado imposes a flat state income tax of 4.63% on all seniors' (and everyone else's) taxable income, regardless of their income level. There is also a state sales tax of 2.9% although cities and counties can add to that level. There is an income tax on estates and trusts, yet there is no tax on transfers of property or gifts. Seniors living in Colorado can take advantage of the property taxes in the state, which are some of the lowest in the country at just 0.63%, and there is also a senior tax exemption of 50% of the first $200,000 of the value of your home. However, to qualify for this exemption, seniors must be at least 65 years old and have lived in, and the house have been their primary residence, for 10 years – with exceptions for widows and widowers.

Furthermore, the purchasing power is higher than average in Colorado. For example, what would cost you $98.04 in Colorado is what you would expect to spend $100 on in another state. There has been some controversy on whether the cost of living is higher in Colorado than it is in other states, but this is mainly due to the high housing costs, as costs for utilities and transportation are below the national average.

Places of Interest for Seniors living in Colorado

There are numerous things to do in Colorado, especially in the outdoors. Here are some ideas for things for seniors to do in Colorado:

  • Garden of the Gods – located at the base of Pikes Peak in Colorado Springs, Colorado. This is a National Natural Landmark and there are nature trails, rock climbing, and quite a few different tours that you can take;
  • Durango and Silverton Narrow Gauge Railroad and Museum – located in Durango, Colorado. Seniors can ride a coal-fired, steam-powered train that travels along the same tracks that have been used for over 100 years;
  • Telluride Mountain Village Gondola – located in Telluride, Colorado. This free gondola will take senior citizens between Telluride and Mountain Village;
  • Independence Pass – located in Aspen, Colorado. It’s a drive through experience with hiking and nature trails along the way;
  • Denver Botanical Gardens – located in Denver, Colorado. This Botanical Garden is more than 24-acres of gardens and plants from all over the world. They even have one of the rare “corpse flowers;”
  • Balcony House – located in Mesa Verde National Park, Colorado. The guided walking tour is for more experienced hikers or at least adventurous ones;
  • Avery House – located in Fort Collins, Colorado. This is the home of Franklin Avery and served as a military post during the Civil War;
  • Annual Flower Trial Garden – located in Fort Collins, Colorado. Take a nice walk or a bike ride through this trail of flowers that is in the middle of the city;
  • Colorado National Monument – located in Fruita, Colorado. Within 23,000 acres of canyons, towers, and naturally arranged rocks you will find Balance Rock, which is a 600-ton boulder on top of a rock pedestal; and
  • National Museum of World War II Aviation – located in Colorado Springs, Colorado. You can either tour the area on your own or go with a museum docent. At WestPac Restoration they are restoring WWII aircraft and there is a separate hanger where there are 15 flyable planes available to view.

Some places to consider for Colorado Senior living:

  • Northglenn, Colorado – located in the counties of Adams and Weld Counties in Colorado, Northglenn is a suburb of Denver with a population of around 40,000. Of those 40,000, an estimated 10% are seniors aged 65 or older. This is a city with a rich cultural heritage and a strong public arts program, Northglenn is home to the D.L. Parsons Theatre, Art on the Parade, and other Cultural Classes for Youth. It has been designated as a “Tree City” 26 different years – most recently last year. Last year, Northglenn ranked #30 of 116 of the “Most Diverse Places to Live in Colorado,” and #18 of 27 of the “Safest Suburbs in Denver Metro;”
  • Thornton, Colorado – only 10 miles north/northeast of Denver, this is a growing city – the 6th most populous in Colorado. Within the city there are 81 parks for seniors to enjoy and close to 2,000 acres of green space. Additionally, it is home to recreational facilities like the “Margaret Carpenter Recreation Center,” the “Thornton Community Center,” “Thorncreek Golf Course” and “Todd Creek Golf” - helping active seniors to stay entertained. Thornton is a large town, with close to 135,000 people, of whom about 6% are age 65 or older;
  • Fort Lupton, Colorado – located in the northeastern part of Colorado, Fort Lupton’s population was less than 7,000 in the previous census, yet it still has amenities such as “City of Fort Lupton Recreation Center,” “City of Fort Lupton Coyote Creek Golf Course,” and the “City of Fort Lupton Museum.” Fort Lupton has a current population of around 8,000 of which almost 7% are age 65 or older. Last year, Fort Lupton ranked #6 of 115 of the “Most Diverse Places to Live in Colorado,” #7 of 67 of the “Safest Places to Live in Colorado,” and #50 of 106 of the “Best Places to Retire in Colorado;”
  • Rifle, Colorado – found in the valley of the Colorado River where Rifle Creek joins from the North, the natural scenery in this area is spectacular, with the “Rifle Falls State Park,” “Rifle Mountain Park,” “Rifle Falls Fish Hatchery,” “Harvey Gap State Park,” “Rifle Arch,” “the Roan Plateau” and access to the BLM (Bureau of Land Management) including the Hubbard Mesa Open Area. Six miles north is the “Rifle Creek Golf Course” and one week of the year the city has professional rodeos, demolition derby and live music. The population is around 10,000, with approximately 8% age 65 or older;
  • Craig, Colorado – the county seat as well as the most populated municipality inside Moffat County. Home to the “Grande Olde West Days,” “Whittle the Wood Rendezvous,” as well as one of North America’s largest elk gatherings. Craig is considered by many to be the “Elk Hunting Capital of the World.” For seniors who love to hunt - Craig, Colorado may just be the perfect place. The population of Craig is around 9,000 of which almost 10% are age 65 or older;
  • Montrose, Colorado – located in Montrose County, Colorado. The population of Montrose is approximately 20,000 with almost 20% being age 65 or older. Last year, Montrose ranked #1 of 106 of the “Best Places to Retire in Colorado,” and #59 of 116 of the “Best Places to Live in Colorado;”
  • Delta, Colorado – located in, and the county seat and most populous municipality of Delta County, Colorado. The population of Delta was around 8,800 2 years ago, of which 17.5% were 65 years of age of older. Last year, Delta ranked #4 of 106 of the “Best Places to Retire in Colorado,” #28 of 67 of the “Safest Places to Live in Colorado,” and #41 of 116 of the “Most Diverse Places to Live in Colorado;”
  • Estes Park, Colorado – located in Larimer County, Colorado where Estes Park is a popular summer resort as well as the headquarters for the Rocky Mountain National Park. The population is around 6,250 of which an estimated 20% are seniors 65 years of age or older. Last year, Estes Park ranked #8 of 106 as the “Best Places to Retire in Colorado;”
  • Loveland, Colorado – the second most populous city in Larimer County, Colorado and part of the Fort Collins-Loveland Metropolitan Statistical Area and the Front Range Urban Corridor. The estimated population in the last census was 75,000 of whom 12.5% are seniors 65 years of age or older. Last year, Loveland ranked #24 out of 106 of the “Healthiest Places to Live in Colorado,” #34 of 106 of the “Best Places to Retire in Colorado,” and #36 of 67 “Safest Places to Live in Colorado;” and
  • Orchard Mesa, Colorado – located in Mesa County, the population of Orchard Mesa is approximately 7,000 with around 12% senior citizens age 65 or older. Last year, Orchard Mesa ranked #5 of 106 of the “Best Places to Retire in Colorado.”

Common Questions About Assisted Living in Colorado

1. What is assisted living?

Assisted living refers to a residential option for seniors who require assistance with daily activities such as bathing, dressing, medication management, and meals. It offers a combination of housing, supportive services, and personalized care, promoting independence and social engagement. In Colorado, cities like Denver, Boulder, and Colorado Springs offer a range of assisted living communities.

2. How much does assisted living cost in Colorado?

The cost of assisted living in Colorado varies depending on factors such as location, amenities, and level of care. On average, you can expect to pay between $3,000 and $6,000 per month. Urban areas like Denver and Boulder might have higher costs, while smaller cities like Fort Collins and Grand Junction could be more affordable options.

3. Are there any financial assistance programs for assisted living in Colorado?

Yes, Colorado offers financial assistance programs for seniors seeking assisted living. The Medicaid Home and Community-Based Services (HCBS) Waiver is one option that can help cover some costs. Additionally, the Colorado Older Coloradans Cash Payment Program provides financial support to eligible seniors. These programs are available in cities across the state, including Aurora, Lakewood, and Pueblo.

4. What types of amenities are typically offered in Colorado assisted living communities?

Assisted living communities in Colorado often provide a range of amenities to enhance residents' quality of life. These may include fitness centers, social and recreational activities, dining services offering local cuisine, transportation services, and beautifully landscaped outdoor spaces. Cities like Aspen, Vail, and Breckenridge may offer unique amenities in line with their mountainous surroundings.

5. How do I choose the right assisted living community in Colorado?

Choosing the right assisted living community in Colorado involves considering factors such as location, cost, services offered, staff qualifications, safety measures, and resident reviews. Research communities in cities like Fort Collins, Boulder, and Colorado Springs, visit them in person, and ask about their approach to care, activities, and medical support to make an informed decision.

6. What medical services are available in Colorado assisted living facilities?

Colorado assisted living facilities typically offer a range of medical services to support residents' health. These may include medication management, assistance with activities of daily living, coordination with healthcare providers, and access to emergency response systems. Cities like Aurora, Denver, and Pueblo have medical facilities and professionals that collaborate with assisted living communities to provide care.

7. Can I bring my own furniture and belongings to an assisted living apartment in Colorado?

Yes, most Colorado assisted living apartments allow residents to bring their own furniture and personal belongings to create a comfortable and familiar living space. This helps residents feel at home and maintain a sense of independence. Whether you're in Denver, Colorado Springs, or Boulder, you can personalize your apartment with your cherished items.

8. Are there memory care options available within Colorado assisted living communities?

Yes, many Colorado assisted living communities offer specialized memory care programs for residents with Alzheimer's disease or other forms of dementia. These programs provide a safe and supportive environment, tailored activities, and trained staff to meet the unique needs of individuals with memory impairments. Cities like Colorado Springs, Littleton, and Centennial may have such options available.

9. What is the difference between assisted living and nursing homes in Colorado?

Assisted living in Colorado focuses on providing support with daily activities while promoting independence. Nursing homes, on the other hand, offer more intensive medical care and supervision, making them suitable for individuals with complex medical needs. Assisted living is available in cities like Boulder, Colorado Springs, and Fort Collins, while nursing homes are found throughout the state, including Denver and Aurora.

10. Can I still maintain an active lifestyle while in a Colorado assisted living community?

Absolutely, many Colorado assisted living communities encourage an active lifestyle among their residents. They offer a variety of social and recreational activities tailored to residents' interests and abilities. Whether you're in a city like Denver, Aurora, or Boulder, you can participate in fitness classes, cultural outings, group events, and more to stay engaged and vibrant.

11. Are pets allowed in Colorado assisted living facilities?

Yes, many Colorado assisted living facilities understand the importance of pets in residents' lives and allow them. However, pet policies may vary, and there might be size or breed restrictions. Residents in cities like Boulder, Colorado Springs, and Fort Collins may find communities that welcome pets, providing a pet-friendly atmosphere for companionship and comfort.

12. How can I arrange transportation for medical appointments and outings while in an assisted living community?

Most Colorado assisted living communities offer transportation services for medical appointments, shopping trips, and outings. They typically have scheduled transportation that residents can utilize. Whether you're in a city like Denver, Boulder, or Colorado Springs, these services help residents maintain their independence and stay connected to the local community.

13. Are there assisted living payment options for veterans in Colorado?

Yes, Colorado offers assisted living payment options for veterans through the Aid and Attendance Pension benefit. This program provides financial assistance to eligible veterans and their spouses to help cover the costs of assisted living care. Veterans in cities like Aurora, Denver, and Colorado Springs can explore these benefits to access quality care in comfortable surroundings.

14. What steps should I take to transition to an assisted living community in Colorado?

Transitioning to an assisted living community in Colorado involves several steps. Begin by researching communities in cities like Boulder, Denver, and Colorado Springs. Visit potential communities to get a feel for the environment. Once you've selected a community, work with their staff to create a personalized care plan and coordinate the move. This process helps ensure a smooth and comfortable transition for you or your loved one.

15. How do I know if assisted living is the right choice for me or my loved one in Colorado?

Deciding if assisted living is the right choice in Colorado involves evaluating your or your loved one's needs, preferences, and goals. Consider factors such as the ability to manage daily activities, medical needs, desire for social engagement, and safety concerns. Consulting with healthcare professionals, touring communities in various cities, and discussing options with family members can help you make an informed decision that aligns with your circumstances and aspirations.

Don't see your city/town/village on the list? Please use our search bar at the top of the page to search through 652 senior living options from 104 cities, towns and villages in Colorado. Simply enter your city name or zip code.

SeniorGuidance.org provides comprehensive resources on various senior living options, including: assisted living facilities, senior living communities, nursing homes, independent living communities, continuing care retirement communities (CCRC) and all other long term senior care options, including memory care such as Alzheimer's or Dementia.

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