The Whitcomb Knowledge Center
A centralized resource to help residents, families, and care partners make confident, informed decisions about the financial side of senior living. Clear, straightforward, and built to demystify the costs of aging, care services, and housing transitions.
Senior Living Cost Comparison
The Cost Comparison Tool gives you a clear side-by-side view of what you’re spending at home versus the all-inclusive rate at The Whitcomb. Input your monthly costs, add your estimated Whitcomb rate, and see immediately where the value lands. It’s a fast, practical way to cut through assumptions and make a confident financial decision.
Current Home
Enter what you pay each month to live where you are now.
Senior Living Community
Enter the estimated monthly costs for the community you’re considering.
This calculator is for estimate and comparison purposes only. Actual rates, services, and fees may vary.
Financial Knowledge Center
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Understanding the Cost of Senior Living
Your monthly rate covers the following:
Apartment and all utilities
Meals and dining program
Housekeeping and linen services
Activities, enrichment, and wellness programs
Transportation for scheduled outings and appointments
24/7 staffing and emergency response
Maintenance, security, and building amenities
This “bundled value” often replaces several separate expenses you already pay at home—utilities, meals, transportation, home maintenance, and personal care support.
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What Determines Monthly Rates at The Whitcomb?
Monthly pricing varies based on:
Apartment type and size (studio, deluxe studio, one-bedroom)
View and location within the building
Level of care (Independent, Assisted, Memory Care)
A la carte support services for independent living residents
Additional wellness, dining, or personal preference upgrades
No two residents have the exact same cost profile—our team customizes each estimate.
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Paying for Senior Living: Options & Resources
Families often use a combination of financial sources:
Private Pay
Personal funds
Savings or retirement income
Sale/rental of home
Long-Term Care Insurance
Many policies reimburse for assisted living and memory care
The Whitcomb provides documentation to support claims
Veterans Benefits
VA Aid & Attendance may reduce monthly costs for qualifying veterans and spouses
Our team can help guide families to accredited VA benefit advisors
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Tax Considerations
Some families may qualify for tax deductions for:
Assisted living medical-related services
Memory care services
Long-term care expenses per IRS Publication 502
We always recommend speaking with a licensed tax professional before filing.
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Understanding the Value of All-Inclusive Services
When evaluating senior living, consider the bundled value:
You’re consolidating dozens of unpredictable monthly expenses
You’re eliminating large, unexpected repairs (roof, furnace, appliances)
You’re replacing fragmented costs with a single predictable rate
You’re gaining safety, medical oversight, nutrition, social programming, and mobility support
This isn’t just housing—it’s housing plus care, culinary, housekeeping, transportation, and wellness infrastructure.
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What to Expect During a Financial Consultation
When you meet with the Whitcomb team, we will:
Review apartment options and base rates
Identify care levels and a la carte needs
Explain all-inclusive services
Clarify what is (and is not) included
Discuss financial resources and payment options
Provide transparent written estimates
Walk through the cost calculator if helpful
Our goal: ZERO surprises.
Financials- Frequently Asked Questions
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Your monthly rate generally includes housing, utilities, meals, housekeeping, activities, transportation, maintenance, and 24/7 staffing. Assisted Living and Memory Care rates also include personal care oversight and tailored support.
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Pricing varies based on the apartment type, location, and level of care. Memory Care and Assisted Living include additional support services, which are reflected in the monthly rate.
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Not always. When you compare all real household expenses—mortgage/taxes/rent, utilities, groceries, transportation, home maintenance, home care, and emergencies—many families discover senior living is comparable or even more cost-effective. Our Cost Comparison Calculator helps you evaluate this.
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Rates are reviewed annually. Families receive written notice well in advance of any adjustments.
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We accept checks, electronic bank transfers via ACH, and long-term care insurance reimbursements.
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Yes—many plans reimburse for assisted living or memory care. Our team will supply the required documentation to support claims, but families must initiate and manage the policy.
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The Whitcomb does not accept Medicaid or Michigan Waiver Programs.
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Our team can walk you through projected costs, funding sources, and planning tools. We also encourage families to share information with their financial advisor or estate planner for long-term planning.
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Eligible veterans and surviving spouses may receive VA Aid & Attendance benefits to help offset monthly costs. We connect families with accredited benefit advisors who can assist with applications.
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Some medically necessary care expenses may be deductible depending on level of care and IRS guidelines. Families should consult a tax professional.
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Contact our team for a no-pressure financial consultation. We’ll review your needs, identify the appropriate level of care, explain all costs transparently, and provide written pricing.
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Families can submit a deposit to reserve an apartment for a future move date. Reservation windows vary based on availability and demand.
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A new assessment is completed and care costs are adjusted accordingly. Care changes are always discussed with family before implementation.
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There may be rate changes based on the care level, but there is no fee simply for changing departments. Apartment changes may involve standard charges.
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Yes, but they must meet licensing, insurance, and compliance standards. Families are responsible for all private-duty costs.
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No. The Whitcomb is rental-based, not a buy-in model. No six-figure upfront fees.
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We will help you review documentation, resubmit, and determine if benefit triggers are met. Ultimately, approval is determined by the insurer.
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Families manage the policy; The Whitcomb provides supporting documentation, attendance logs, care notes, and invoices.
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