Alternatives to Care Homes

Assisted Living: Independence with Additional Support

A well-established option is assisted living. Older people move into accessible flats within purpose-built developments, which can be rented or bought. This form of livng is particularly suitable for those who wish to remain self-sufficient but occasionally need help with day-to-day tasks. “But do bear in mind: in most cases, residents need to arrange care services separately,” says Dirk Görgen. Basic services typically include property maintenance, an in-house emergency call sys-tem, and communal areas. Seniors can also opt for additional services such as meals, shopping assistance, or leisure activities as required.

Living Together in Senior Shared Accommodation

Another comparable option is multi-generational housing or shared accommodation for older peo-ple-particularly attractive to those who value company. Much like student or professional house shares, each resident has their own room, while the kitchen and lounge are communal. “This helps keep rental costs down and fosters social interaction. The residents manage the household togeth-er and share care staff, who come in as needed,” explains Görgen. For those living alone or without family nearby, these shared living arrangements are an excellent way to combat loneliness in later life. However, it is important to note that these set-ups do not fall under the Residential and Care Contracts Act, meaning they offer less legal protection and lower quality standards compared to care homes.

Care-Oriented Shared Accommodation: Comprehensive Support in a Homely Environment

For those with higher care needs, care-oriented shared accommodation - so-called ‘care flats’ - is a good choice. Here, up to twelve older people live together, with a care service providing principal support. “Care flats combine professional care with the advantages of a private home. This eases the burden on relatives, and enables older people to enjoy a family-like environment, even if they need considerable care,” says Görgen. Care insurers even provide additional financial support for this type of living arrangement, including a monthly group living supplement for employing support staff, as well as a one-off grant for age-appropriate adaptations when setting up a shared flat.

What to Consider When Choosing a Type of Accommodation

Regardless of the chosen form of living, it is worth planning for later life well in advance. “As the proportion of older people in society increases, the number of available places in facilities is shrinking, which leads to rising costs,” Görgen warns. For some living arrangements - such as care flats or accessible adaptations - care insurers offer financial support, which can significantly reduce personal expenses. However, the atmosphere and sense of community are equally important. “Many facilities offer trial stays, which help ensure that the accommodation truly meets your own wishes,” the DKV expert recommends.