Norma Upshaw, 82, was living alone south of Nashville, when her doctor said she needed to start in-home dialysis.
Her closest family lived 40 miles away, and they’d already scrambled once when the independent senior living facility she had called home — a community of largely Black residents — had closed with 30 days’ notice. Here they were searching, yet again, for an assisted living facility or maybe an affordable apartment that was closer.
They couldn’t find either, so Upshaw’s daughter built a small apartment onto her home.
“Most of her doctors, her church, everything was within Nashville,” said Danielle Cotton, Upshaw’s granddaughter, “… this was the best option for us.”
Nearly half of Americans over 65 will pay for some version of long-term health care, the landscape of which is quickly transitioning away from nursing homes and toward community living situations.
Black Americans are less likely to use residential care communities, such as assisted-living facilities, and more likely to live in nursing homes, CNHI News and The Associated Press found as part of an examination into America’s long-term care options. The opposite is true for white Americans.
The disparity is well-known to those who work in and research assisted-living settings, and experts say the reasons why are complicated. Where to place a parent or loved one is driven in part by personal and cultural preferences, but also insurance coverage and physical location of residential care communities. All of these factors vary state by state, family by family.
The result is older Black Americans may be left out of living situations that can create community, prevent isolation and provide help with daily tasks while allowing for a level of personal independence.
“The bottom line is white, richer people have a solution now — which is these incredible assisted-living communities — and minorities and low-income people don’t,” said Jonathan Gruber, an economist at Massachusetts Institute of Technology. “That is the fundamental challenge facing our country as our demographics are shifting.”
Complex causes
The AP and CNHI News analyzed data from the most recent National Post-acute and Long-term Care Study, published in 2020, and found Black people are underrepresented in residential care communities nationally by nearly 50%.
Black Americans account for about 9% of people over 65 in the U.S. But they are underrepresented in residential care communities at 4.9% of the population, and overrepresented in nursing homes — about 16% of residents.
The situation is flipped for white Americans, who make up 75% of Americans over 65 but are 88% of the people in residential care communities. The AP-CNHI News analysis also found that other ethnic and racial groups are underrepresented in assisted living facilities, but only Black Americans were also overrepresented in nursing homes.
Lacking a universal definition for assisted living, the federal study created the “residential community care” category to represent settings that serve people who cannot live independently, but also do not require the more comprehensive care provided in nursing homes.
In short, they’re places where people can live and receive help with activities of daily living like bathing, dressing and managing medications, but do not provide round-the-clock nursing care.
Financial barriers affect low-income people of all races, experts said, but they’re heightened for older Black Americans. Black workers make $878 weekly compared to $1,085 earned by white workers, according to data from the U.S. Bureau of Labor Statistics, which shows this national gap has existed for decades.
That affects both the potential to spend on long-term care — and, earlier in life, homeownership rates. Many residents sell their homes to fund senior care, and more than 7 in 10 homeowners in the U.S. are white, according to 2020 U.S. Census Bureau data.
One month in an assisted living facility runs $4,500 a month or $54,000 a year, according to a national median cost from the National Center for Assisted Living, which represents assisted living providers.
Most people pay privately, often through personal funds or long-term care insurance; nursing homes can be covered by Medicaid. That puts assisted living out of reach for many Black Americans, explained Cotton, who also founded and runs a Nashville nonprofit that helps financially strapped seniors find housing.
She said many can barely pay for government-subsidized housing, let alone expensive living communities: “It leaves them in a gap. Those are the seniors that are really not even considered or thought about.”
In Palo Alto, California, the nonprofit Lytton Gardens uses funding from the U.S. Department of Housing and Urban Development to subsidize housing costs for low-income assisted living residents. But the cost of care — scheduled meals, help with bathing and taking medications — is still on the individual.
Staff have tried to reach Black and Hispanic seniors through social workers, libraries and senior centers. But the residents are still mostly white and Asian.
“Most of the time, I’m begging somebody to move in,” said Donna Quick, housing administrator for Lytton Gardens. “But it’s just a matter of finding somebody who has the funds for this assisted living program.”
The process of paying for long-term care is “as opaque as it can be,” said Linda Couch, senior vice president of policy and advocacy at LeadingAge, which represents nonprofit long-term care providers and researches long-term care. “Because we don’t have a comprehensive and cohesive long-term care financing system in this country, we are left with this patchwork,” Couch said.
Researchers’ major question as more assisted facilities open up across the U.S. — are they located near Black communities? — is hard to answer, too.
“The federal government doesn’t even have a list of assisted living (facilities),” said Lindsey Smith, health systems management and policy researcher at the Oregon Health and Science University-Portland State University School of Public Health. “There is not, like, a registration. When COVID hit, they did not have a list.”
Desire to stay home
LaShuan Bethea, executive director of the National Center for Assisted Living, said more research is needed to fully know whether fewer Black people accessing assisted living means they are missing out on needed care, or if they are finding that support in other ways.
“It’s really important to do the work … trying to understand: What does this mean when Black and brown people can’t access assisted living, knowing what it brings in terms of quality and outcomes?” Bethea said.
While affordability is one determining factor, researchers say it doesn’t completely explain why more Black people are not moving into assisted living.
“I think the other piece is that expectation that we want to keep people home as long as possible,” said Candace Kemp of Georgia State University’s Gerontology Institute. “And within families of color, African American communities in particular, there’s this desire to take care of family members.”
Steven Nash’s father could afford the most expensive assisted living facilities, but the former judge wanted to stay home. So while Nash ran one of the nation’s last remaining Black-owned nursing homes in the Washington, D.C., area, he also helped care for his father until he died at the age of 87.
“Even though it was very difficult for the family, we still kept that promise,” he said. “We try as hard as we can to honor the wishes of our elders.”
As smaller nursing homes and facilities that once catered to Black residents closed, there’s a cultural competency gap, Nash said. He pointed to the kitchen, where beloved cultural food options are removed in favor of generic menu mainstays.
“People want to live out their life the way they’ve lived,” he said.
That’s why the 95-year-old mother of Indiana state Sen. Gregory Porter still lives where she has for six decades, cared for by Porter, other family members and in-home health professionals. Porter’s daughter has promised to care for him similarly as he ages, a commitment that gave him “a level of comfort.”
“It means a lot,” Porter said. “It gives you the will to live.”
But for others, assisted living is an option for independence even as their daily needs grow.
Older Black Americans are twice as likely to have Alzheimer’s or other dementias compared to older white people, according to the Alzheimer’s Association. Nash said he’s seen more Black Americans interested in assisted living for dementia care; he’s even planning to open a targeted facility in the coming years.
In Texarkana, Texas, former lawyer Jay Cossey moved into an assisted living facility after multiple strokes more than seven years ago that caused him to lose most of his short-term memory. He’s one of a handful of Black residents at a facility that is blocks away from his old apartment.
His church community urged the 70-year-old to move in, though his family in Alabama has pushed for him to come live with them.
“My brother came and said he wanted to take me home,” Cossey recalled. “I told him I am home. I’m home because I feel good here.”
Gerber reported from Kokomo, Indiana; Shastri reported from Milwaukee; and Forster reported from New York.
The share of the U.S. population older than 65 keeps rising — and will for decades to come. Since nearly half of Americans over 65 will pay for some version of long-term health care, CNHI News and The Associated Press examined the state of long-term care in the series the High Cost of Long-Term Care, looking at adult day cares to high-end assisted living facilities, to understand the challenges in affordability, staffing and equity that exist today and lie ahead.
