SpiriTrust Lutheran LIFE

SpiriTrust Lutheran® LIFE is an all-inclusive, personalized care program for Pennsylvania seniors 55+ who live in Cumberland, Franklin or Perry County and need help with daily care or rehabilitation.

LIFE (Living Independence for the Elderly) is an option that allows older Pennsylvanians to live independently while receiving services and supports that meet the health and personal needs of the individual. Developed by The Centers for Medicare and Medicaid (CMS), this managed care program provides participants with a comprehensive, all-inclusive package of medical care, adult day services and home care to remain living at home. Nationally, the program is known as the Program of All-Inclusive Care for the Elderly (PACE); however, all PACE programs in Pennsylvania have LIFE in their name. The Pennsylvania LIFE programs are not affiliated with the Pennsylvania Pharmaceutical Assistance Contract for the Elderly (PACE) prescription drug program.

LIFE serves individuals regardless of race, age, color, creed, religion, sex, national origin or ancestry, sexual orientation, mental or physical disability or source of payment. CMS funds and provides oversight to this program through a unique agreement with participating providers across the United States. Enrollment in LIFE is voluntary and participants may disenroll at any time.

Call us today at 800.840.9081 | TTY 711 for more information.

Program Benefits & Services

SpiriTrust Lutheran® LIFE provides professional care to help seniors stay in their homes. Through enrollment in the LIFE program qualified seniors can:
  • Stay independent with the support of the LIFE Interdisciplinary Team
  • Live safely in the community for as long as possible
  • Save money with no deductibles or hidden costs
  • Achieve optimal health with quality, coordinated care
Our all-inclusive care for the elderly includes preventive, primary, acute and long-term care services.

Our onsite physician is the primary healthcare provider for all program participants and provides services at our LIFE Centers. When services are needed that cannot be provided at the LIFE Center, we make those appointments for you with our team of specialists which may or may not include the physicians who provided your care prior to enrolling in the LIFE program. We also arrange transportation to these appointments at no cost to you.

Based on the plan of care, authorized services may include:
  • Adult Day Health Services
  • Audiology Services
  • Dental Services
  • Emergency Care
  • End of Life Services
  • Hospital and Nursing Facility Services
  • In-home Supportive Care
  • Lab and X-ray Services
  • Meals
  • Medical and Non-medical Transportation
  • Medical Specialists
  • Optometry Services and Eyeglasses
  • Nursing and Medical Coverage 24/7
  • Nursing Care
  • Personal Care
  • Pharmaceuticals
  • Physical, Speech and Occupational Therapies
  • Primary Medical Care
  • Recreational and Socialization Activities
  • Social Services
  • Specialized Medical Equipment
Our services are not limited to those offered at our LIFE Centers.

We provide home care and in-home support, as necessary, to meet each participant’s plan of care. These services may be provided in the morning, evening or weekend. LIFE recognizes that as people get older they may face new challenges and need a little help to live independently. To help you remain in your home and your community for as long as you can, LIFE offers a variety of in-home services. Based on your needs, as determined by your LIFE care team, these services may include:

  • home aides to help you with things like bathing, grooming, and dressing
  • help doing laundry
  • light housekeeping assistance
  • help with some chores
  • in-home modifications – things like grab bars in bathtubs or wheelchair ramps
  • in-home medical equipment and supplies – things like walkers and wheelchairs, hospital beds, oxygen, diabetes testing supplies, bandages, and incontinence supplies
  • personal emergency notification and response systems
  • transportation to your LIFE doctors’ offices

In addition, a nurse is on-call 24 hours a day, seven days a week, to address any concerns or issues that may arise.

Program Eligibility

Pennsylvanians age 55 or older who meet these criteria are eligible for enrollment in the LIFE program:
  • Meet the clinical eligibility needs for a skilled nursing facility.
  • Meet the financial requirements as determined by the local county assistance office or be able to pay privately.
  • Reside in an area served by a LIFE community at enrollment as determined by a LIFE provider.
  • Agree to have all services coordinated and approved through the LIFE interdisciplinary team

Service Area

SpiriTrust Lutheran® LIFE serves seniors in the following PA zip codes:
Cumberland County
17001 | 17007 | 17008 | 17011 | 17012 | 17013 | 17015 | 17019 | 17025 | 17027 | 17043 | 17050 | 17053 | 17055
17065 | 17070 | 17072 | 17081 | 17089 | 17090 | 17093 | 17240 | 17241 | 17257 | 17266 | 17307 | 17324 | 17372
Franklin County
17201 | 17202 | 17222 | 17225 | 17235 | 17237 | 17244 | 17246 | 17247 | 17252 | 17254 | 17256 | 17257 | 17268 | 17270 | 17272
Perry County
17006 | 17020 | 17024 | 17037 | 17040 | 17045 | 17047 | 17053

Support for Families and Caregivers

LIFE recognizes that in many cases, some of your care comes from family members. As needed, LIFE provides the following services to support the members of your family who provide care and support you:

  • education and training in how best to help you as your health or needs change
  • counseling
  • social services
  • support services
  • respite care
  • newsletters
  • regular communication with members of your LIFE care team

Program Costs

Most participants who are eligible for Medicaid or are dually eligible for Medicaid and Medicare generally pay nothing for their LIFE services. Individuals who do not qualify for Medicaid may participate by paying a monthly premium.

Participants who, during the course of their LIFE membership, spend more than 30 days in a nursing facility may be responsible for some of those costs, depending on their income and family situation.

If you are eligible for Medicare and Medicaid, you generally pay nothing for things like:

  • prescriptions and home delivery of those prescriptions
  • medical equipment and supplies
  • transportation to and from the LIFE day center and other medical appointments
  • many other services as well

You do not have to sell or move from your home to participate in the LIFE program.The main goal of LIFE is to help you continue living in your home.  Like all Medicaid long-term services and supports programs, LIFE participants are subject to the state’s estate recovery program.

Interdisciplinary Team

LIFE offers an interdisciplinary team approach to care.

The team includes physicians, nurses, therapists and other healthcare professionals, who together with the participant and caregiver, assess the participant’s needs, develop an individual plan of care and coordinate necessary services.

Participant status is monitored and evaluated regularly and the plan of care adjusted to meet changing needs. LIFE participants must agree to all needed healthcare, including primary care and specialty physician services (other than emergency services) from LIFE and its providers.

LIFE Centers

Our Locations

Cumberland LIFE Center
(serving Cumberland & Perry Counties)
1920 Good Hope Road
Enola, PA 17025-1235

717.728.5433 | TTY 711



Franklin LIFE Center
(serving Franklin County)
840 Fifth Avenue
Chambersburg, PA 17201

717.264.5433 | TTY 711



Each of our LIFE Centers include areas for medical treatment, rehabilitation services, personal care, dining and recreation. The Centers are open Monday through Friday, excluding holidays. Program participants may attend the LIFE Center all or any of the five days, depending on their need.

Our specially equipped vans transport participants from their home to the center and back home.

Program Administration

A PACE organization is a non-profit private or public entity that is primarily engaged in providing PACE health care services. To qualify for PACE, organizations must have:

  • A governing board that includes community representation
  • A physical site to provide adult day services
  • A defined service area
  • The ability to provide the complete service package regardless of frequency or duration of services
  • Safeguards against conflict of interest
  • Demonstrated fiscal soundness

PACE providers receive monthly Medicare and Medicaid capitation payments for each enrollee. Medicare enrollees who are not eligible for Medicaid pay monthly premiums equal to the Medicaid capitation amount, but no deductibles, coinsurance, or any other type of Medicare or Medicaid cost-sharing.



There is a defined enrollment process for the LIFE program. This process includes assessments by the Area Agency on Aging and LIFE staff, both in the center and in the prospective participant’s home.
Please call us at 800.840.9081 | TTY 711 to start the enrollment process.


If, for any reason, you feel SpiriTrust Lutheran LIFE is not the LIFE provider you want, you have the right to leave the program at any time and have such disenrollment be effective the first day of the month following the date SpiriTrust Lutheran LIFE receives the participant’s notice of voluntary disenrollment. The participant or the participant’s legal guardian is responsible to inform SpiriTrust Lutheran LIFE, your LIFE provider, in writing before you voluntarily disenroll, so the LIFE team can assist you in planning your disenrollment. If you choose this option, please call us at 800.840.9081| TTY 711 to begin the process.

Grievance & Appeals

Grievances and appeals may be filed orally or in writing to the LIFE team by a LIFE participant, family or participant representative. Please contact the appropriate LIFE Center for filing a grievance or appeal or for process and status questions.

LIFE Franklin
Mailing Address: 840 Fifth Avenue, Chambersburg, PA 17201
Phone: 717.264.5433 | TTY 711
Fax: 717.264.3279

LIFE Cumberland
Mailing Address: 1920 Good Hope Road, Enola, PA 17025
Phone: 717.728.5433 | TTY 711
Fax: 717.614.4499

CMS Appointment of Representative

An authorized representative is the person you choose to handle affairs related to your health care services. This may be someone you designate as a Power of Attorney, a family member, friend, caregiver, or an advocate of your choice to assist with an exception, appeal or grievance. To become an authorized representative, download, print and complete the CMS Appointment of Representative Form (CMS Form1696). Both you and the person you wish to represent must sign the form.

CMS Appointment of Representative Form 1696

Contact Us

Our Centers are staffed Monday through Friday, 8:00 a.m. – 4:00 p.m. For more information, please contact us during these hours or complete our Contact Us form.

Cumberland & Perry County Residents: 717.728.5433
Franklin County Residents:
Hearing Impaired: TTY 711

Contact Us Form




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    This page was last updated July 19, 2022. It is pending CMS final review.