How to Pay for Memory Care in Scottsdale
Memory care in Scottsdale typically runs $6,500 to $10,000+ per month. Very few families pay entirely from one source — most stack income, insurance, benefits, and sometimes home equity. This guide walks through the options families use most often.
The most common funding sources
Social Security and pension income.
Retirement account withdrawals (with tax planning).
Long-term care insurance benefits.
VA Aid & Attendance (eligible veterans and surviving spouses).
ALTCS (qualifying households with an elder-law attorney's help).
Home sale or reverse mortgage — later in the process, if at all.
How families typically stack them
Example: Social Security + pension + LTC insurance covers the monthly cost fully.
Example: Retirement withdrawals + LTC insurance + VA Aid & Attendance covers a $9,000/month memory care community with room to spare.
Example: ALTCS + Social Security fits an approved lower-cost residential home.
Every family's puzzle is different. An elder-law attorney or CFP can model the tradeoffs.
Nurse-led senior living guidance — no cost to your family
We tour with you, ask the hard questions, and help your family compare options across Scottsdale, Phoenix, Paradise Valley, and Fountain Hills. We lean toward smaller residential assisted living (RAL) homes when they're the right fit — but we'll guide you through any setting, including larger assisted living, memory care, or independent living.
Related Resources
Written from the perspective of Mentoring Our Moments' nurse-led senior care and Residential Assisted Living consulting work. MOM supports families navigating senior living decisions and helps care home owners strengthen the systems, communication, and trust that make healthier transitions possible.