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
Division of Aging
Department of Social Services
P.O. Box 1337
615 Howerton Court
Jefferson City, MO 65102-1337
314.751.3082
|
Alzheimer's Communities Regulations
Alzheimer's Unit requirements are not separately specified
Department of Social Services
573.751.3082
|
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. |
|
|
Adult
Day Care
|
 |
|
Property |
Address |
City |
ST |
ZIP |
|
Assisted Living Regulations
|
Assisted Living Regulatory Information
Department of Social Services
573.751.3082
Residential Care Facilities I and II provide three or more residents
with shelter, board, protective oversight. In addition to these,
level II facilities provide supervision and assistance with personal
care. Facilities I and II may provide care during short-term illness
or recuperation and provide services such as dietary supervision,
personal care assistance, and supervision of health care under
the direction of a licensed physician. Home health services may
also be provided. |
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. |
Drug Savings Programs and Medical Aids
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.
|
iDiaper.com offers incontinence products and
medical supplies for those in need.
Adult Diapers
We have or can get just about anything, and you are welcome
to call us at (866) 559-0353 or email us at admin@idiaper.com.
|
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.
Note: Toll free numbers often work only from within the state.
From out of state? Use the other number, when provided. 1.800.390.3330
For more counseling information visit www.medicare.gov
|
Return
to top
Insurance: Automobile
Insurance: Life
 
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. |
Return to top
Investments: Annuities, 401K Rollovers
 
 
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. |
|
|
Assisted
Living Communities
|
|
|
Community |
Address |
City |
ST |
ZIP |
|
Moving Help and Supplies
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.
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:
| DOT Motor Carrier Division | 573-751-7107 |
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.
|
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.
|
|
|
Aging
In Place Contractors
|
|
|
Company
|
Address
|
City
|
ST
|
ZIP
|
|
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: Department of Insurance
Consumer Assistance Division
PO Box 690
Jefferson City, MO 65102-0690
1.900.726.7390
314.751.2640
|
Taxes
- Personal Income Tax
Tax Rate Range: 1.5% to 6%.
Ten income brackets: Lowest is $1,000, highest is $9,000
Personal Exemptions: $2,100 for singles and $4,200 for married
couples, $1,000 for over 65.
Standard Deduction: Same as federal.
Medical/Dental Deduction Same as federal.
Federal Income Tax Deduction: Partial, limited to $5,000
for individuals and $10,000 for joint returns.
Public Pension Exclusion: $6,000 for singles subject to income
limits
Private Pension Exclusion: $6,000 for singles subject to
income limits
Social Security Exemption: subject to income limits.
Railroad Retirement Exemption: Full
-
|
