Elderly Residential Homes vs. Board and Care Homes for Seniors

Shawn Plummer

CEO, The Annuity Expert

What are Elderly Residential Homes?

Elderly residential homes, also known as senior living communities, are designed for older adults who are relatively independent. They offer a range of services like meal preparation, housekeeping, and social activities. Residents live in private or semi-private apartments.

Room And Board For Elderly

What are Board and Care Homes for Seniors?

Board and care homes, also known as residential care facilities, provide a more intimate setting for seniors. They typically house fewer residents and offer personal care services, including assistance with daily activities like bathing, dressing, and medication management.

Can Long-Term Care Insurance Pay for Boarding Homes?

Yes, long-term care insurance can often be used to pay for both elderly residential homes and board and care homes. This type of insurance covers services that aren’t included in regular health insurance, like personal care and assistance with daily activities.

Advantages Of Residential Care

Comparison of Elderly Residential Homes and Board and Care Homes

FeatureElderly Residential HomesBoard and Care Homes
SizeLarger, community settingSmaller, more intimate
ServicesBasic amenities, social activitiesPersonal care, daily assistance
Ideal forIndependent seniorsSeniors needing more care
Insurance CoveragePartially coveredOften covered
Boarding Homes For Elderly


Elderly residential homes and board and care homes offer different levels of care for seniors. Understanding these differences is crucial in making the right choice for yourself or your loved one. Long-term care insurance can be a viable option to cover the costs.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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