Feel the Difference
Calumet Trace

Personal Care: Experience the Charter Difference

There is something different about being part of the Charter Senior Living family.

Residents enjoy a worry-free lifestyle supported by highly respected, experienced senior living professionals with a long history of making a difference in the lives of seniors – and their families.

Being part of the Charter family also means being inspired by a supportive culture built upon reliability, loyalty, pride, experience and mutual respect.

Our Mission Unites Our Purpose: Enhancing the Human Spirit
Our mission is to enhance the human spirit. Our core values are to serve with heart, purpose and courage – and to have fun while serving.

Our mission and core values unite us in our purpose as a Charter community. We are a caring and compassionate leader within our field, but more importantly, we strive to demonstrate our commitment to our residents each and every day.

That’s the Charter difference.


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Personal Care

Life at Calumet Trace empowers residents to live life to the fullest. Here, seniors can enjoy exceptional services and amenities, along with the vibrant lifestyle they so richly deserve.

If you need a little extra help with daily activities like medication reminders, dressing, bathing, or just getting around, Personal Care at Calumet Trace is here for you.

No matter where you choose to live, with us, you’ll find a fulfilling and purposeful lifestyle that promotes choice, dignity, privacy and independence.

Feel the Difference

You’ll feel our difference the moment you enter our one-of-a-kind community. You’ll be greeted by our warm, professional staff who are ready to listen to you and learn all about your wants, needs – and stories! Walk through our doors and see residents smiling, laughing, connecting and participating in activities they love. Schedule a virtual visit and see why at Charter, everyone is considered family.

Senior Aged Woman with Tablet Filling out Aging Choices Checklist

Take Our Lifestyle Quiz

Are you interested in exploring our options but aren’t sure where to start?

Making the decision to seek Memory Care or Personal Care can be difficult, but we’re here to help make it easier. A member of our long-tenured team can help you determine what level of care you require. They can also answer any questions you may have about our vibrant community.

Take our lifestyle quiz to help us get to know you and personalize your care plan and experience!

Frequently Asked Questions

What is the difference between Personal Care and Assisted Living?

Often the terms Personal Care and Assisted Living can be used interchangeably. However, the main difference between Personal Care and Assisted Living services is the amount of assistance needed for your loved one.

Typically, Personal Care residences are often seen as a combination of Independent Living and Assisted Living. Personal Care residents may need assistance with activities of daily living but still maintain an independent lifestyle in many ways.

Assisted Living communities are the best choice for residents who require a greater level of care beyond assistance with daily living. Residents often require frequent access to health care services.

Who qualifies for Personal Care?

Seniors whose health or well-being requires a higher level of support or those who would benefit from a healthier lifestyle and social engagement qualify for Personal Care. Most communities conduct a health assessment that follows state regulations to determine what level of care or assistance is best for each individual.

What kind of services does Personal Care provide?

Personal Care communities give older adults personalized care in a residential setting. Most senior living options – including Personal Care Living communities – provide services that include:

  • One to three meals a day
  • Medication monitoring
  • Personal care, including dressing and bathing
  • Housekeeping and laundry
  • Some medical services
  • Social and recreational activities
  • Care coordination
  • Mobility assistance
  • Complimentary transportation

Some communities offer Respite Care or Short-Term Stays. Additionally, some communities offer access to home care services for those who may need more assistance than is provided at the community but who are not yet ready for a skilled nursing care center.

What is the cost of personal care?

The Genworth Cost of Care Survey 2021 estimates the Owensboro area regional median monthly rate for Assisted Living is $3,088, which breaks down to around $102 per day, and may not include some support services that your loved one needs. The same survey says a private room in a nursing home will cost around $298 per day ($9,049 per month). Home health aide services average $125 per day.

Calumet Trace’s Personal Care services start at $3,300 with additional levels of care based on what your loved one needs to successfully navigate activities of daily living.

Who pays for Personal Care?

While your personal health insurance coverage continues and your pharmaceutical coverage continues, Medicare typically doesn’t pay for Personal Care.

Most Personal Care residents pay for this kind of care from their personal resources or with help from coverage provided by long-term care insurance. Veterans Aid and Attendance Benefits can help cover the cost for eligible Veterans and surviving spouses who are over age 65.