... by State Alaska
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.
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.
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
NO extra fees or obligation
Agencies on Aging
| Older Alaskans Commission
PO Box 110209
Juneau, AK 99811-0209
Alzheimer's Communities Regulations
Alzheimer's Unit Requirements set by
Department of Administration
Division of Senior Services
An Assisted Living Home must provide a safe environment
for residents with Alzheimer's.
Assisted Living Communities
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.
Assisted Living Regulations
Health Facilities Licensing and Certification
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 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.
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.
Health Insurance Counseling and Advocacy Program (HICAP)
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
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?
Such insurance may be a good idea for you if fit one of the following situations.
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.
Annuities Why look into annuities? If you're a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read .
401K Seventy-eight per cent of eligible American employees participate in their company's 401(k) plan, comprising over 40 million workers. The Enron collapse, coupled with new uncertainty in the investing and accounting industries, however, has even longtime 401(k) investors rethinking their approach. This guide explains the basics of 401(k) investing in plain English, showing readers how to manage their accounts, minimize their investment risk and maximize their returns. It discusses the pros and cons of including company stock and helps readers decide whether taking out a loan against their 401(k) is a wise idea. The text explains the difference between a defined contribution and a defined benefit plan, including the pros and cons of each, has sample 401(k) portfolios for various stages of life and contains a retirement calculator formula to know how much you need to save. Read 401k For Dummies i
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:
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.
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.
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
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
Get state regulator help:
PUC Transportation Licensing and Enforcement Branch
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
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
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.
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 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