When it comes to living arrangements, disabled adults and their families often face complex choices. Whether you're looking for more independence, additional support, or something in between, it's important to understand the range of available living arrangements and how to begin your search.
In this guide, we’ll walk through the most common types of alternative living arrangements, what they offer, and how to evaluate which option may be right for you or your loved one.
How to Start Your Search
Before diving into the types of living arrangements, here are a few key steps:
- Evaluate Needs: Consider whether medical care, social support, or help with daily tasks is required. This will help in determining what kind of housing works best, such as a group home for adults with disabilities or permanent supportive housing.
- Understand Benefits: Programs such as Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI), and Medicaid may affect eligibility. It's important to understand SSI living arrangement rules, which can affect monthly benefit amounts depending on where and with whom the individual lives.
- Talk to Professionals: Case managers and local agencies can help guide you through state-specific supportive housing program options or waivers.
- Visit In Person: Observe staff interaction, ask about turnover, and speak with residents when possible.
Types of Alternative Living Arrangements
There’s a wide array of alternative living arrangements available for adults with disabilities, ranging from fully independent setups to around-the-clock care environments. The right fit depends on many factors, including medical needs, level of independence, financial resources, and personal preferences.
We’ll explore the most common alternative living arrangements, breaking down what each option looks like, who it may be best suited for, and important things to consider as you evaluate your choices.
Independent Living with Support Services
This option allows adults with disabilities to live independently, often in subsidized or accessible housing, while receiving help through a supportive housing program or state-funded services, such as HUD. This option is best for adults who want to live on their own with some help.
Living with Family
Some adults with disabilities live with family members in alternative family living arrangements, which can provide emotional support and personalized care. This type of arrangement may be best for those whose needs can be met at home with help from family.
Group Homes for People with Disabilities
Group homes for adults with disabilities, also known as developmental disabilities group homes, offer shared housing with trained staff and daily living assistance. This is often best for individuals who need regular care in a home-like environment. These facilities often vary in size and structure depending on the provider.
Assisted Living Facility
An assisted living facility offers private rooms or apartments, meals, and support with personal care. It does not offer the same medical services as a nursing home. This is a good option for adults who need moderate support, but not full-time medical care. Prices vary widely, however, and are often not covered by Medicare.
Nursing Home (Skilled Nursing Facility)
These facilities offer 24/7 care and are designed for people with significant health conditions or rehabilitation needs. They’re best for those who require medical monitoring or frequent nursing care. They are often partially covered by Medicaid, and sometimes by Medicare for short-term stays.
Shared or Supported Living
This model pairs individuals with disabilities with a host or caregiver, typically in a private home setting, providing a highly personalized and stable environment with opportunities for community integration. This arrangement is ideal for adults who wish to live outside of a facility while receiving ongoing support.
Intentional or Cooperative Communities
These shared communities focus on inclusion, independence, and social engagement. They may be built for adults with developmental disabilities or incorporate accessibility into co-housing models. They tend to be best for adults who thrive on structure but want a socially stimulating environment.
Learn More About Accessing Services & Supports Tailored to Your Needs
There’s no one-size-fits-all solution when it comes to living arrangements for adults with disabilities. Whether you’re navigating group homes, an assisted living facility, or exploring permanent supportive housing, the right choice relies on individual needs, resources, and long-term goals.
By understanding the full range of alternative living arrangements, and considering things like SSI living arrangement rules, Medicare coverage, and housing support programs, you’ll be better equipped to make informed, empowering decisions for yourself or your loved one.
If you're in California, the Self-Determination Program (SDP) offers even greater flexibility when it comes to choosing living arrangements and support services. Navigating the program can be overwhelming, but you don’t have to do it alone.
NeuroNav offers expert independent facilitation services to help individuals and families make informed choices, build support teams, and develop meaningful person-centered plans. Schedule a consultation to get started today.
