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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

Agencies on Aging

Agencies on Aging

The Minnesota Board on Aging ensures that older Minnesotans and their families are effectively served by state and local policies and programs -- in order to age well and live well. The Minnesota Board promotes policies to the Minnesota State Legislature, the Minnesota Governor and Minnesota State Agencies that fairly reflect the needs and interests of older Minnesotans. The Minnesota Board on Aging also provides objective information and promotes Minnesota public education on ways to meet the changing needs of Minnesota's older population to age well and live well. The Minnesota Board partners with Area Agencies on Aging and others, to administer and oversee the effective use of Older Americans Act and state funds to support older Minnesotans.

Minnesota Area Agencies on Aging

The agencies provide assistance to seniors, local agencies, and communities across Minnesota.

Agency
Address
Area Served
Arrowhead Area Agency on Aging

221 West 1st Street
Duluth MN 55802

Aitkin, Carlton, Cook, Itasca, Koochiching, Lake, & St. Louis
Central Minnesota Council on Aging 1301 W St. Germain St.,
St. Cloud MN 56301-3456
Benton, Cass, Chisago, Crow Wing, Isanti, Kanabec, Mille Lacs, Morrison, Pine, Sherburne, Stearns, Todd, Wadena, & Wright
Land of the Dancing Sky AAA 115 South Main Avenue
Warren MN 56762
Becker, Beltrami, Clay, Clearwater, Douglas, Grant, Hubbard, Kittson, Lake of the Woods, Mahnomen, Marshall, Norman, Otter Tail, Pennington, Polk, Pope, Red Lake, Roseau, Stevens, Traverse & Wilkin
Metropolitan Area Agency on Aging 2365 North McKnight Rd.
St. Paul MN 55109-2264
Anoka, Carver, Dakota, Hennepin, Ramsey, Scott, & Washington
Minnesota Chippewa Tribe AAA PO Box 217
Cass Lake MN 56633
Bois Forte, Grand Portage, Leech Lake, & White Earth
Minnesota River Area Agency on Aging PO Box 3323
Mankato MN 56002-3323
Big Stone, Blue Earth, Brown, Chippewa, Cottonwood, Faribault, Jackson, Kandiyohi, Lac qui Parle, Le Sueur, Lincoln, Lyon, Martin, McLeod, Meeker, Murray, Nicollet, Nobles, Pipestone, Redwood, Renville, Rock, Sibley, Swift, Waseca, Watonwan, & Yellow Medicine
Southeastern Minnesota AAA 421 SW First Avenue
Rochester MN 55902
Dodge, Fillmore, Freeborn, Goodhue, Houston, Mower, Olmsted, Rice, Steele, Wabasha, & Winona

Minnesota Board on Aging
Elmer L. Andersen Human Services Building
540 Cedar Street
St. Paul, MN 55155
651-431-2500


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Senior Apartments

Senior ApartmentYou may choose to spend your golden years in a community designed especially for mature adults. Senior living facilities come in many sizes and shapes. Senior apartments are one such chose. A Senior Apartment allows you to take advantage of many amenities and personalized services without having to maintain a house and yard.

Senior apartments should be a consideration for older adults that can take care of themselves. Aside from age-restrictions these apartments are usually developed the same as standard apartments. Some of these apartments are also equipped with items such as hand rails and pull cords to make getting around and living easier. Also these apartments provide a community of elderly neighbors without the hassles of a larger home to manage. Properties can vary in terms of services but typically offer apartment living and services designed specifically for independent active seniors 55 and older. Since many of these residences are designed for active seniors, most do not offer meal service, housekeeping or medical services. Senior apartment complexes are usually located near senior centers, parks, shopping malls, golf courses and public transportation. Some provide van services to nearby shopping and needed services.

Senior apartments can be found in many communities, some are under federal housing guidelines and will only accept low income seniors, but most are privately owned. Many of the privately owned properties offer reduced rents to low-income tenants with assistance from Dept. of Housing Urban Development (HUD). You should be aware that senior apartments usually have a captured audience with a significant waiting lists period. The following table provides a listing of senior apartments in your state; those that may have subsidized units are identified with an "S" in the right hand column

Adult Day Care


Adult Day & Hospice Care

Adult Day Care is a life senior service for frail, physically or cognitively impaired, seniors and their caregivers. Numerous stand alone adult day care facilities and adult day care centers are available in urban and suburban areas to provide elderly care. Check your state here. A large percentage of Adult Day Care Centers are operated on a nonprofit or public basis. Many centers are affiliated with multi-service entities such as home care, assisted living, nursing facilities and hospitals

Congregate, assisted living or nursing care communities may offer elderly care as an "outpatient" service to the neighboring population on a per day basis. Those that do, may also offer respite care for a weekend, or a week. Senior centers may also offer senior day care as one of their life senior services.

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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Directories - Senior Housing Options

 

Low Cost Drugs

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.

Find Low Drug Prices from Verified Pharmacies
 
compare drug prices


seniorresource.com

For information on your state's prescription drug assistance program-
877.239.5277
Program benefits and eligibility varies by state.


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Health Insurance Counseling, Advocacy, and Medicare Help

Partners in Community Supports (PICS)

Partners in Community Supports (PICS) is a non-profit organization based in Bloomington. We offer innovative services for Minnesota seniors who are on the Elderly Waiver program. Helping individuals get more out of their waivers is the name of our game.
Visit us at www.PICSweb.org

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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.
1.800.963.5337
For more counseling information visit www.medicare.gov


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Housing Guides


Twin Cities Senior Housing Guide

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Information on housing from active adult retirment communities to assisted living, nursing homes excluded. Also includes information on staying in your hme, including reverse mortgaes and supportive services. The publication covers housing in the counties of Anoka, Carver, Chisago, Dakota, Hennipin, (Minneapolis) Isanti, Ramsey, (St. Paul) Scott, Washington and Wright Counties. The housing listings give information on costs, parking, pet policy and other amenities. Information on services such as, personel care, housekeeping, meal programs and transportation are also included.

Website gives a sampling of what is in the book and how to order your copy.


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Insurance: Automobile

All Web Leads USinsurance.com

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.

 

Medicaid does not give you choices! Learn How to Protect your Loved Ones with Long Term Care Insurance

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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

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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.


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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.
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
Moving Quote
DOT Office of Freight and
Commercial Vehicle Operations
651-366-3646
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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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.


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Resources For Help

City of Maple Grove - Senior Opportunities, discounts and resources

CaregiverMN.org offers help information and resources for caregivers


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.


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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: Insurance Department
Department of Commerce
133 East 7th Street
St. Paul, MN 55101-2362
612.296.4026


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State Regulations for Assisted Living and Alzheimer's Regulations

Alzheimer's Unit requirements are not separately specified
Department of Health
651.643.2156

Assisted Living Regulatory Information
Department of Health
651.643.2156

Housing with Services Establishments and Assisted Living Home Care Provider provide sleeping accommodations to residents ages 55 or older and one or more health-related services or two more supportive services in two home health licensure categories. Assisted Living Home Care Provider provides assistance with activities of daily living, arrange for health-related, supportive, and medical services.


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Taxes

  • Personal Income Tax

    Tax Rate: 5.35% is the lowest, 7.85% is the highest.
    Income Brackets: Three from the lowest $19,010 to $62,441 the highest for singles.
    Personal Exemptions: $2,900 for singles, $5,800 for marrieds filing separately.
    Standard Deduction: Same as the federal.
    Medical/Dental Deduction Same as the federal.
    Federal Income Tax Deduction: 0.
    Public Pension Exclusion: 0.
    Private Pension Exclusion: 0.
    Social Security Exemption: Same as Federal

  • Sales Tax: 6.5% (Food, prescription and non-prescription drugs exempt)

    For further information see Minnesota Department of Revenue.