Home Care Funding in Kirkland
Find out if you qualify for funding to cover home care in Kirkland, Washington.
Check My Funding — FreeThe Cost Reality in Kirkland
If you're reading this, you've probably already seen the numbers. Home care in Kirkland runs about $55 per hour — and most families need at least 20 hours per week to make a real difference. That puts the monthly cost somewhere between $5,000 and $8,000, depending on the level of care your parent or spouse needs.
Kirkland sits right on Lake Washington, and it's a beautiful place to age. The waterfront parks along the Cross Kirkland Corridor, the walkable downtown, the quiet neighborhoods off Market Street — your mom or dad chose this city for good reasons. But the cost of living here is steep, and when you layer home care expenses on top of property taxes that have climbed year after year, the math gets brutal fast.
Here's what most families don't realize: Medicare doesn't pay for ongoing home care. It covers short-term rehabilitation — a few weeks of skilled nursing after a hospital stay — and then it stops. That gap between what Medicare covers and what your parent actually needs? That's where families get blindsided. You're suddenly paying thousands out of pocket, draining savings, arguing with siblings about who picks up the tab, and wondering how long you can keep this up.
The good news is that most families in Kirkland qualify for at least one — and often two or three — funding sources they've never heard of. The challenge is finding them, because nobody tells you about these programs unless you know where to look.
Funding Sources Available in Kirkland
We screen for 33 funding sources across seven categories. Here are the ones Kirkland families use most:
VA Aid & Attendance — Up to $3,740/month
If your parent served in the military during a qualifying wartime period, they may be eligible for a tax-free monthly pension that can cover the majority of home care costs. Many Kirkland veterans — especially those who served in Korea or Vietnam and settled on the Eastside afterward — have never filed for this benefit. Our office at 11335 NE 122nd Way, Suite 105 is right here in Kirkland, and we can walk you through the application in person.
Long-Term Care Insurance
Kirkland has a high rate of LTCI policyholders thanks to the major employers in the area — Microsoft, Google, and the tech corridor stretching from Kirkland to Redmond. If your parent worked for a company that offered group LTC benefits, there may be a policy sitting in a file drawer that could pay $100 to $500 per day toward home care. We help families file claims and navigate the elimination period.
WA Cares Fund — $36,500 Lifetime Benefit
Washington's first-in-the-nation long-term care benefit launches in July 2026. If your parent paid into the WA payroll tax (0.58% of wages) and needs help with three or more daily activities, they'll have access to up to $36,500 in lifetime benefits. Applications open May 2026.
TSOA (Tailored Supports for Older Adults) — $830/month
This is the program most families have never heard of, and it's specifically designed for people who earn too much for Medicaid but can't afford private-pay care. If your parent's income is under $3,868 per month with assets below $77,000, TSOA can provide up to $830 monthly for home care — with no estate recovery and no Medicaid look-back.
Life Insurance Conversions
If your parent has a life insurance policy they no longer need, it can be converted into immediate cash for care. Viatical settlements for chronically or terminally ill individuals can return 25-90% of the death benefit — often tax-free. Policy loans against cash value are another option that funds within weeks.
PACE Center Access
The PACE center in nearby Redmond provides all-inclusive care for seniors who qualify for nursing-home-level care but want to stay at home. For Kirkland residents, it's a short drive east on 520, and it covers medical care, social activities, and in-home support under one program.
How It Works
- Take the 2-minute screener. Answer a few questions about your parent's situation — military service, insurance, income, and care needs.
- See your matched funding sources. We'll instantly show which of the 33 programs you may qualify for.
- Book a free Benefits Profile consultation. A care funding specialist reviews your results and identifies the best path forward.
- Get a complete funding analysis. We map out every dollar available, including programs that can stack together.
- Start care with confidence. Know exactly how you're paying before the first caregiver arrives.
About A Place At Home — Kirkland
A Place At Home provides non-medical home care services throughout Kirkland and the surrounding Eastside communities. Our caregivers help with personal care, companionship, medication reminders, transportation to appointments at EvergreenHealth or Overlake, meal preparation, and light housekeeping.
Our office is located at 11335 NE 122nd Way, Suite 105, Kirkland, WA 98034 — right here in the Totem Lake area. We're an approved VA Community Care Network (CCN) provider, which means the VA can refer veterans directly to us and pay for their care. Our rate is $55 per hour with a 3-hour minimum.
Passionate Professionals. Compassionate Care.
Think you can't afford home care?
Let's check.
We screen for 33 funding sources in 2 minutes, for free. VA benefits, LTC insurance, life insurance conversions, WA Cares Fund, and more. No obligation.
Learn More About Funding Options
Home Care Funding in Other Cities
Questions? Call us at (425) 553-3775