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Guide to Senior Living in New Hampshire

As of July 2019, New Hampshire had just under 1.36 million residents, according to the U.S. Census Bureau. Approximately 18.1% of these residents were aged 65 and older. Although the total population of New Hampshire is expected to decline over the next 20 years, officials project that seniors will make up nearly 26% of the state’s population by 2040. The Granite State regularly ranks as one of the top states for older adults because it has the lowest percentage of seniors living below the poverty line. Seniors living in New Hampshire don’t pay state tax on their retirement benefits or monthly Social Security payments, making it an excellent place to retire.

Due to its location in New England, New Hampshire has a relatively high cost of living. As a result, seniors can expect to pay higher costs for care than seniors across the country. As an example, assisted living in New Hampshire costs an average of $7,021 per month, which is nearly $3,000 per month more than the national average.

This guide provides information about the different types of senior care available in New Hampshire, a look at the average costs of care and information about programs available to help seniors cover the costs of senior living in the state.

Paying for Senior Living in New Hampshire

New Hampshire seniors have several options when it comes to care. Although adult day care is the least expensive option, some seniors need more help than this type of service can provide. Nursing homes are the most expensive option, but they may not be a good fit for seniors who don’t need ongoing medical care. See below for the average cost of common senior living care types: 

$5243

In-Home Care

$7021

Assisted Living

$5386

Home Health Care

$1777

Adult Day Care

$9581

Nursing Home Care

The Cost of Assisted Living in New Hampshire

Seniors in New Hampshire can expect to pay an average of $7,021 per month for assisted living, according to Genworth Financial’s 2019 Cost of Care Survey. This is significantly more than the national average of $4,051 per month. Due to differences in the cost of living, the number of seniors in need of care and the number of assisted living facilities available, the average costs of care vary significantly between New Hampshire and nearby states. New Hampshire has the highest average costs, while Massachusetts, Vermont, Rhode Island and Maine all have average costs of less than $6,000 per month.

$7021

New Hampshire

$4051

United States

$5640

Massachusetts

$5338

Vermont

$5199

Rhode Island

$5169

Maine

The Cost of In-Home Care in New Hampshire

In-home care is the best option for people who desire the familiarity of home but need help with daily tasks such as cooking, cleaning and shopping. This type of service in New Hampshire costs $5,243 a month, $953 more than the national average of $4,290. Unfortunately, seniors won’t save much money by looking elsewhere as all neighboring states offer similar rates. In-home care in New York and Massachusetts both cost $5,186 a month and in Vermont, care is only $10 more than that. The cheapest by a small margin is Maine with monthly fees of $5,117. 

$5243

New Hampshire

$4290

United States

$5117

Maine

$5196

Vermont

$5186

Massachusetts

$5186

New York

The Cost of Nursing Home Care in New Hampshire

With a monthly cost of  $9,581, nursing home care in New Hampshire might seem too expensive when compared to the national average of $7,513. However, compared to  neighboring states, seniors will likely want to stay in New Hampshire for around- the-clock medical care and supervision. New York and Massachusetts hold the most expensive spot at $12,473 monthly. Prices in Vermont and Maine are closest to those in New Hampshire, albeit still more expensive. 

$9581

New Hampshire

$7513

United States

$10038

Maine

$10722

Vermont

$12473

Massachusetts

$12473

New York

Financial Assistance for Senior Living in New Hampshire

Choices for Independence Program

Although New Hampshire’s Medicaid program doesn’t cover senior living, residents may qualify for residential care through the Home and Community Based Care Choices for Independence Medicaid waiver program. To qualify for the waiver, a senior must be eligible for Medicaid coverage.

Once eligibility has been determined, the senior must submit a separate application for the HCBC Choices for Independence program. The waiver is available to applicants who are at least 65 years old and don’t exceed income and resource limits. Seniors who qualify for the waiver may use it to pay for assisted living, respite care, adult family care and other services designed to keep people out of nursing homes and in their communities.

Contact: Seniors should contact ServiceLink at 1-866-634-9412 to find out how to apply for the HCBC Choices for Independence waiver.

Old Age Assistance Program

The Old Age Assistance Program provides cash assistance to New Hampshire seniors who meet specific income and resource requirements. Although the program isn’t specifically for long-term care, the monthly cash supplement can be used to pay for room and board at a senior living facility. Any senior interested in this program must be a U.S. citizen or qualified alien, have a valid Social Security number and provide information about their living arrangements to help the New Hampshire Department of Health and Human Services make an eligibility determination.

The monthly income limit depends on whether the senior lives alone, in a group home or in a private home with other family members. All sources of income must be disclosed to the Department of Health and Human Services, but some expenses are subtracted from the gross amount when determining a senior’s eligibility for cash assistance. Seniors with more than $1,500 in countable resources aren’t eligible for the Old Age Assistance Program. Countable resources include bank accounts, stocks, cash and certain insurance policies.

Contact: Call 1-603-271-9700 or visit a Department of Health and Human Services district office during regular business hours to complete the application interview process.

Senior Living Laws and Regulations in New Hampshire

Note: All these rules typically apply to non-clinical senior living facilities, such as independent living, assisted living, and memory care facilities. Nursing homes and other senior living facilities with a clinical setting may have additional or slightly different requirements and regulations.

The Bureau of Health Facilities Administration is charged with regulating senior living facilities in New Hampshire. Every senior living facility in the state must have a valid license to operate. If this license lapses, or if a facility is found to be in violation of any laws or regulations, the Bureau may impose administrative remedies. Senior living facilities must follow all of the laws outlined in the New Hampshire Code of Administrative Rules.

Staffing Requirements

The Bureau of Health Facilities Administration will deny an senior living facility’s request for a license if the facility administrator has been convicted of a felony in any state, if the administrator has been convicted of a violent crime or if the administrator is believed to pose some type of threat to the residents’ safety and well-being.

Senior living facilities are also prohibited from employing staff members convicted of certain crimes, including fraud, abuse, exploitation and neglect. In limited circumstances, the Department of Health and Human Services may issue a waiver permitting a person convicted of one of these offenses to work in a senior living facility. This waiver is permanent unless the DHHS sets a time limit on it.

Training Requirements

All staff members must receive annual training covering residents’ rights, facility-specific procedures for preventing infections, the facility’s written emergency plan and the requirements for reporting suspected abuse, neglect or exploitation. Staff members who aren’t licensed health care providers must complete four hours of training before assisting with medication management. This training must cover documentation requirements, proper handwashing techniques, medication precautions, medication categories and making sure each resident receives the right dosage of the correct medication at the right time.

Abuse and Neglect Reporting

Any staff member who suspects that a resident is being abused, neglected or exploited must make an immediate oral report to the Bureau of Elderly and Adult Services. Reports can be made by calling 1-603-271-7014 or 1-800-949-0470 anywhere within the state of New Hampshire. This oral report must be followed by a written report describing the incident in detail. If the BEAS is closed, the oral report must be made to the local police department or sheriff’s office. After receiving a report, the BEAS commissioner will start an investigation within 72 hours.

New Hampshire Senior Living Free Resources

New Hampshire Agencies

Bureau of Elderly and Adult Services

The Bureau of Elderly and Adult Services aims to help seniors retain their dignity and independence as they age. In addition to investigating reports of abuse, neglect and exploitation, the BEAS provides information on senior living to seniors and their families. Staff members work out of ServiceLink centers and DHHS district offices to make it easier for seniors to access resources.

To receive support from the BEAS, an individual must be at least 60 years old or be between the ages of 18 and 60 and have a long-term disability.

Contact: Call 1-603-271-9203, send an email to [email protected] or visit the BEAS website.

NHCarePath

NHCarePath provides information and resources to help seniors navigate the many care pathways available in New Hampshire. Several organizations, such as ServiceLink and community mental health centers, work together to help seniors find services that are a good fit for their age, disability status and health needs. In addition to providing general information for seniors, NHCarePath connects New Hampshire residents with resources related to senior living and other forms of long-term care.

Contact: Call 1-866-634-9412, or visit the NHCarePath website.

Area Agencies on Aging in New Hampshire

Area Agencies on Aging are organizations that help seniors access local resources to help them stay healthy and independent. For seniors interested in community-based living, a local Area Agency on Aging can provide information about senior living facilities in New Hampshire.

Veterans Affairs Offices in New Hampshire

The New Hampshire State Office of Veterans Services helps veterans secure the benefits they’re entitled to based on their military service. Regular VA benefits don’t cover room and board at senior living facilities, although they may pay for some of the personal services provided in senior living. Some veterans, however, may qualify for a pension supplement that can be used to pay for room, board and related expenses. This benefit, known as the Aid and Attendance benefit, is available to seniors who qualify for the traditional VA pension and have at least one qualifying impairment.

VA OFFICEADDRESSPHONE NUMBER
Berlin Vet Center515 Main Street
Gorham, NH 03581
603-752-2571
Keene Vet Center640 Marlboro Rd
Keene, NH 03431
603-358-4950
Manchester Vet Center1461 Hooksett Road
Suite B6
Hooksett, NH 03106
603-629-3209
Newington Vet Center19 River Road
Newington, NH 03805
603-559-9294

Social Security Offices in New Hampshire

The Social Security Administration helps seniors by administering several programs designed to provide supplemental income to retirees, low-income citizens and citizens with disabilities. Seniors who receive monthly Social Security payments may use those payments to cover the cost of senior living services. Seniors receiving Supplemental Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) may also be eligible to use their benefits to pay for senior living.

Regular Social Security payments are available to seniors who accumulated at least 40 quarterly work credits when they were still working. The SSDI and SSI programs are reserved for individuals who meet certain requirements related to income and disability status.

SOCIAL SECURITY OFFICEADDRESSPHONE NUMBER
Concord70 Commercial St
Concord, NH 03301
1-888-397-9798
Keene9 Elm Street
Keene, NH 03431
1-877-405-3651
Littleton177 Main St
Littleton, NH 03561
1-877-405-7658
Manchester1100 Elm St
Manchester, NH 03101
1-866-814-5408
Nashua175 Amherst St
Nashua, NH 03064
1-877-444-0134
Portsmouth80 Daniel St
Portsmouth, NH 03801
1-888-397-9796

Frequently Asked Questions

How much does assisted living cost in New Hampshire?

In New Hampshire, seniors can expect to pay an average of $7,021 per month for assisted living. Costs are higher in Manchester and Nashua than in Lewiston and Bartlett.

Are there financial assistance programs for assisted living in New Hampshire?

Yes. Several programs may help New Hampshire seniors cover the costs of assisted living. New Hampshire Medicaid has a special program known as the Home and Community Based Care Choices for Independence Medicaid waiver. This waiver is available to seniors who are eligible for Medicaid and require a nursing facility level of care. Applicants must meet certain eligibility requirements related to their income and assets.

New Hampshire also offers the Old Age Assistance Program, which provides cash assistance to seniors with no more than $1,500 in countable resources who meet certain income guidelines. The cash payments may be used to pay for room and board or personal services provided by an assisted living facility.

What types of care are provided by assisted living facilities?

Assisted living facilities don’t provide medical care, but they may provide assistance with some activities of daily living. Many facilities also offer medication management services, such as reminding residents to take their medicine or request prescription refills.

What types of services are available in assisted living?

Assisted living facilities typically provide three meals per day, housekeeping services, laundry services and help with activities, such as dressing and bathing. Most facilities also organize social activities for residents.

Who should consider assisted living?

Seniors who are in stable health but need a little help with activities of daily living should consider assisted living. At an assisted living facility, seniors typically have a great deal of freedom when it comes to decorating their living spaces and engaging in social and recreational opportunities. For many seniors, assisted living provides the right balance of independence and help with personal care.

The Top Cities for Senior Living in New Hampshire

Learn more about the cost of senior living in the top New Hampshire cities. Additionally, find reviews and information about assisted living facilities and other senior living communities across the state.

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