HEADER

 

... by State California

 


HEADER

Placement Referral Help for Seniors Divider

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 MovesAFTER 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

Bookmark divider

Active Senior Communities


auto insurance Divider

Insurance: Automobile

Esurance Banners

life insurance divider

Insurance: Life

long term care insurance divider

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.

 

Annuities 401K rollovers investments

Return to top

Investments:

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 .
Annuities For Dummies is a plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You'll find out exactly what annuities are, whether they're the right financial vehicle for you, and which of the many annuity options might have your name on it. You'll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to:

  • • Identify the main types of annuities
  • • Weigh the pros and cons of annuities for yourself
  • • Minimize the complexity of your annuity investment
  • • Figure out how much money to commit
  • • Avoid common annuity pitfalls
  • • Create an income you can't outlive

Annuity

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

Skilled Nursing Facilities

Return to top

Senior Information - Miscellaneous

 

Skilled Nursing Facilities

Skilled Nursing Facilities

The type of care that may be administered ONLY BY A NURSING HOME near you, is defined by state regulations. Generally "medical procedures" and assistive acts requiring a nurse to physically "handle" a patient are limited to nursing home providers, when not in a hospital. Changing bandages deep wounds is often only permitted in Nursing Homes as is turning a patient in bed, who cannot turn themselves.


Moving and Storage Divider

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.
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
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

To resovle moving issues, contact your state regulartory agency below.

PUC Transportation Licensing
and Enforcement Branch 415-703-2183

buy sell real estate Divider

Real Estate Agents: Buy or Sell

Interested in Buying or Selling
a Home or Condo?

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.

Return to top


repite care

Respite Care

Respite (In-Home) Services Respite means intermittent or regularly scheduled temporary non-medical care and/or supervision provided in the person's home. In-Home Respite services are support services which typically include:

  • • Assisting the family members to enable a person with developmental disabilities to stay at home;
  • • Providing appropriate care and supervision to protect that person's safety in the absence of a family member(s);
  • • Relieving family members from the constantly demanding responsibility of providing care;
  • • Attending to basic self-help needs and other activities that would ordinarily be performed by the family member
  • Respite services typically are obtained from a respite vendor. For more information about respite services contact a California Department of Developmental Services regional center representative. The ca=hart below provides some information for some San Diego County vendors.

    Provider

    Phone

    Address

    City/Zip

    Kaiser Foundation Hospital Hospice Agency (619) 641-4100 10992 San Diego Mission Rd

    San Diego 92108-2444

    Palomar Pomerado Home Health
    (760) 796-6800

    1540 E Valley Pkwy

    Escondido 92027-2316

    Scripps Home Health Care Services
    (858) 715-7300 9619 Chesapeake Dr San Diego 92123-1392

    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

    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.


    Reverse Mortgage Divider

    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.

    In 2015 HUD implemented changes to the HECM (Home Equity Conversion Mortgage) qualifications including new financial assessment (minimum credit and income standards). Find out how much you may qualify for by using ALLRMC’S free online calculator at https://reverse.mortgage/calculator OR to calculate your down payment on a new HECM home purchase use: https://reverse.mortgage/purchase-calculator

    California seniors should visit your local page found here: https://reverse.mortgage/reverse-mortgage-california-lenders/


    • Should you fail financial assessment you may still be eligible for a reverse mortgage with a mandated lifetime tax and insurance set-aside.

    Learn more at:

    - Senior Resource...Reverse Mortgage Overview
    - Senior Resource...Finance Information

    Reverse Mortgage Divider

    State Licensing - Alzheimer's and Assisted Living

    Alzheimer's State Regulations

    Alzheimer's Unit Requirements set by
    Department of Social Services
    Community Care Licensing Division
    (916) 657-2346

    Regulations were revised to permit secured perimeters for Alzheimer's residents. Facilities may opt to install delayed egress doors or lock perimeters. A special permit is required for these special units.


    Assisted Living State Regulations

    Assisted Living Regulatory Information
    Department of Social Services
    Community Care Licensing Division
    (916) 657-2346

    Residential Care Facilities For The Elderly is a housing arrangement chosen voluntarily where 75 percent of the residents are 60 years of age or older and where varying levels of care and supervision are provided. Facility staff may assist residents with the self-administration of medication.


    Insurance State Regulations

    Contact: Department of Insurance
    300 Capitol Mall, #1500
    Sacramento, CA 85814
    916.445.5544
    1.800.927.4357

    The Consumer Services Division (CSD) handles inquiries, responds to consumer complaints in regards to claims handling practices, rating and underwriting issues.

    California resources divider

    California Miscellaneous Resources

    • Medi-Cal Investigations - 800.822.6222<

    • Mobilhome Ombudsman (for health and safety mediation): (800) 952-5275
    Taxes Divider

    Taxes

    • Property Tax Postponement Program

      2011 Legislation allows each county, if they wish, to implement a property tax postponement program for properties located in their county. Please contact your county tax collector to inquire if they have created a voluntary county-run property tax postponement program. Learn more from the Board of Equalization's website.

    • Personal Income Tax:

       • Tax Rate: 1% to 9.3%
       • Six income brackets from $5,834 the lowest to $38,291 the highest.
       • Joint filers pay twice the tax for half the income.
       • Tax Credits: Single - $80, married - $160, Dependents - $251, 65 or older $65
       • Standard Deduction: $3004 for a single person, $6008 for a married couple filing jointly
       • Federal Income Tax Deduction: 0.
       • Public Pension Exclusion: $40 for military.
       • Private Pension Exclusion: none.
       • Social Security Exemption: full.

    • Inheritance Tax: None
    • Sales Tax: 7.25% (up to 8.25% with additional County or City taxes)
        Food and prescription drugs exempt
    • For further information The California Franchise Tax Board

    senior resources divider

    To add a community or resource?
    Click HERE

    senior resources divider

    Select another State?
    Click HERE