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seniorresource.com

... by State Alaska

State Guru

 On this state page you will find resources for senior housing and senior lifestyle opportunities. Such items address Seniors' needs from Active Communities to Assisted Living along with Insurance, Medical and Financial Planning information.
We attempt to keep the state unique information current. To accomplish this we encourage individuals to become a state "guru".

If you are aware of any changes that need to be made or might want to become a guru with its related rewards, please let us know via the email or address at the bottom of this page.

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Bookmark seniorresource.com before clicking on any of our many links so you can come back to find more information!

After Mom Moves

After Mom Moves

After Mom Moves
AFTER MOM MOVES

Are you trying to manage the resources from afar?

  You may benefit from Seniors Real Estate Coordination
- Property preparation for sale - Estate clean out - No hassle transitions
- Communication with family & professional advisors - Home sale and closing
To contact a Seniors Real Estate Professional click HERE
NO extra fees or obligation

Agencies on Aging

Agencies on Aging

Older Alaskans Commission
PO Box 110209
Juneau, AK 99811-0209
907.465.3250

Alzheimers
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Alzheimer's Communities Regulations


Alzheimer's Unit Requirements set by
Department of Administration
Division of Senior Services
907.465.4416

An Assisted Living Home must provide a safe environment for residents with Alzheimer's.


Assisted Living Communities

Assisted Living Communities

Assisted Living Communities Your retirement planning should be based on understanding the options associated with Assisted living. As part of a retirement plan these options combine housing, support services and health care, as needed. Assisted living is a retirement service for individuals who require assistance with everyday activities such as meals, medication management or assistance, bathing, dressing and transportation. Some residents may have memory disorders including Alzheimer's, or they may need help with mobility, incontinence or other challenges of senior life. Residents are assessed to determine the level of service they may need. These retirement services generally include: 24/7 supervision, 3 meals a day, housekeeping, transportation, minor medical attention, personal care assistance, security and emergency call, exercise programs, social and educational activities. In addition some Assisted living communities may provide: gardens, libraries, and chapels.

Assisted living communities are operated by both profit and non-profit organizations. Pricing can range from $1000 to over $4,000 per month based on your location. There may be extra fees for special services.

Learn more about Assisted Living Communities here.


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Assisted Living Regulations

Health Facilities Licensing and Certification
3601 C Street #310
Anchorage, AK 99503
907.269.3666

Assisted Living Homes provides a system of care in a home-like environment for persons who need assistance with activities of daily living. Facilities may also provide nursing care, intermittent nursing services and skilled nursing care by arrangement. An assisted living home must provide a safe environment for residents with Alzheimer's.

Adult Day Care

Adult Day Care

Adult Day Care Adult Day Care programs provide an assortment of health, therapeutic, and social services to those at risk of being placed in a nursing environment. Adult Day Care services support elderly individuals who lack full independence but who do not need 24-hour nursing care. Services may include therapeutic and social activities designed to meet and enhance the participant's level of functioning through individual plans of care. Such Adult Day Care services generally provide support, respite and education for caregivers.

A typical Adult Day Care center operates 10 - 12 hours per day and provides meals, social/recreational outings, and general supervision. Some Adult Day Care centers maintain a nurse on-site and may also provide transportation and personal care.

With the added support through participation in Adult Day Care, admission to rest homes or nursing homes may be delayed. Hence, participants may be able to remain at home with family members for a longer period of time. In addition the social stimulation and recreational activities often mitigate the decline of cognitive/physical functions.

Adult Day Care support also aids caregivers by providing respite services thus enabling caregivers to work or to have a break from their caregiving responsibilities.

Costs for services are usually less than a home health visit and significantly less than a skilled nursing facility. Daily fees for adult day services vary depending upon the services provided.

Learn more about Adult Day Care here.


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HMOs Ranked

Award Winning HMOs

Find out if any HMOs in your area rank in the top 50.

HealthMatrix Research Inc. ranks HMOs, provides price comparisons, tips to ask when shopping for an HMO and answers to Frequently Asked Questions. The site provides cost comparisons for over 200 Medicare health plans in 100 cities; a quick search feature for consumers to locate Medicare health plans; a convenient on-line form for requesting Medicare health plan information. The website does not provide health/medical information except for links to other such websites.

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Health Insurance Counseling and Advocacy Program (HICAP)

Need help with the Medicare Maze?
Every state has a Health Insurance Counseling and Advocacy Program
to help understand Medicare coverage, payments and Medigap Insurance options. Contact Senior Health Insurance Program (SHIP) 800-548-9034
For more counseling information visit www.medicare.gov

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Senior Housing Options

Assisted Living

Housing Directory

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Discount Drugs

The Partnership for Prescription Assistance helps qualifying patients without prescription drug coverage get the medicines they need for free or nearly free. Program benefits and eligibility varies by state call 888.477.2669 to learn more

Find Low Drug Prices

Save money! Compare prescription drug prices for 1,000+ medications. You'll also see online pharmacy ratings and shipping fees so you can compare total costs.

Find Low Drug Prices from Verified Pharmacies
 
compare drug prices


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Insurance: Automobile

USinsurance.com Auto 2011

Auto Insurance

cost effective auto insurance

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Insurance: Life

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Insurance: Long Term Care

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, and other physical activities. Long-term care insurance can help pay for such care in the future. To help protect your financial independence, as you grow older, many Long Term Care Insurance providers have plans that offer comprehensive benefits as well as a proven track record of claims payments and financial stability. You should review all your options carefully.

Insurance: Supplemental Health

Is Supplemental Health Insurance right for you?

Supplemental Health Insurance

Such insurance may be a good idea for you if fit one of the following situations.
  • You have limited savings
  • You are at higher risk for a major illness
  • Your health insurance coverage is limited
  • You want a bit more financial peace of mind

Supplemental Health Insurance provides benefits to mitigate medical expenses and other impacts due to a sickness or injury. Generally, it helps with expenses, such as your deductibles, that might not be handled your regular health insurance. Some supplemental policies may cover indirect expense, for example long distance medical travel.

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Investments: Annuities, 401K Rollovers


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Moving and Storage Services

Make sure you have the information you need to protect your memories, money, and belongings from moving problems.

The best defense against moving difficulties is to be informed and aware of your options when choosing a reputable mover. While most household moves go smoothly, there are many pitfalls that you should be aware of. It can also be stressful, even under the best of circumstances. Use the checklist here to help guide you through the moving venture.

A key step is to read and understand all information provided by the mover. These should include the following basic documents as part of your move:

Estimates
The estimate should clearly describe, in writing, all charges for services the mover will perform. Make sure the estimate is signed by the mover.
Do not accept oral estimates.

Order for Service
The order for service is a list of all the services the mover will perform and shows the dates your household goods will be picked up and delivered
.

Bill of Lading
The bill of lading is a contract between you and the mover and a receipt of your belongings. You should be given a partially completed copy of the bill of lading before the mover leaves the residence at origin.

Inventory
The inventory is the receipt showing each item you shipped and its condition. Be sure you receive a written copy of the inventory after your household goods are loaded, and that you agree with its description of your household goods' condition

Moving Quote

Moving Boxes | Moving Supplies

Get state regulator help:

PUC Transportation Licensing and Enforcement Branch
415-703-2183

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Real Estate Agents: Buy or Sell

Whenever possible your inquiry goes to a Specialist trained to work with seniors from over 800 such specialists in our International referral network.

Having a Professional Specialist contact you, is just a click away! Fill out the inquiry form and we do the rest.

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Reverse Mortgage Information

A FHA guaranteed Reverse Mortgage program enables older homeowners (62+) to 'borrow back' a portion of the equity in their home and convert it into cash while remaining in their home for as long as they want. They remain on title and do NOT have to make any loan payments for as long as they continue to live in the home and it remains their primary residence. When the last borrower sells, moves out or passes away, the loan becomes due. This enables many senior homeowners to age in place.

Learn more at:

- Senior Resource...Reverse Mortgage Overview

- Senior Resource...Finance Information


Aging in Place

Aging In Place

Aging in Place "Aging in place" is growing older without having to move. Aging in place with supportive services is one of the most desirable ways of aging. Aging in place can achieve efficiencies enabled by the customized care. Successful aging in place approaches focus on the provision of the most appropriate care for the specific individual. Thus avoiding wasted costs brought on by a "generic" care model.

An aging in place scenario, creates housing and health care options to provide support as defined by an individualís wishes and efforts to live independently. Aging in place can work best when it is employed as a part of a comprehensive plan for retirement and aging. A key step in implementing aging in place is to make your home aging friendly. As we age we don't hear so well, we sometimes forget or get confused and we can even outlive doctor's predictions about our longevity. So as long as we persist in growing older, why not arrange our homes to accommodate our reality. Incorporate memory triggers into the way we arrange cabinets and counters, add soft fabrics to muffle background noises, change appliances to better accommodate our short-comings.

Here is a book to help you make your homes senior-friendly.

Universal Design: A Step-by-Step Guide to Modifying Your Home for Comfortable, Accessible Living
The book, Universal Design: A Step-by-Step Guide to Modifying Your Home for Comfortable, Accessible Living by Barbara Krueger and Nika Stewart is a good place to start.With the book as a guide you can plan ahead for years before you critically need the advantages offered by the ideas in the book.

Also visit: the Universal Design Living Laboratory:A National Demonstration Home at http://www.UDLL.com by Rosemarie Rossetti, PhD

If you want to learn more visit our Aging in place section .

Once you have an idea of the changes needed in the home, it is time to discuss the changes with a contractor/builder in your area. Below is a list of of such providers in your area.



State Insurance Divider

State Department of Insurance

Insurance regulations differ from state to state.
Need help with an insurance company provider?
Want to know who writes Medigap insurance in your state?
Contact: Division of Insurance
800 E. Diamond, Suite 560
Anchorage, AK 99515
907.349.1230

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Taxes

  • Personal Income Tax
    Tax Rate: No state income tax.
  • Sales Tax: None state-wide. But municipalities colelct 4-7%
    More tax information at Alaska Department of Revenue.

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