On this state page you will find resources, 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.
After Mom Moves
AFTER MOM MOVES
Agencies on Aging
North Carolina Area Agency on Aging (AAA) are offices established through the Older Americans Act that serve to facilitate and support the development of programs to address the needs of older adults. In North Carolina, the AAA's are located within regional Councils of Government. These AAA's have functions in five basic areas: (1) advocacy; (2) planning; (3) program and resource development; (4) information brokerage; and (5) funds administration and quality assurance. Find your Noth Carolina Area Agency on Aging
(Cherokee, Clay, Graham, Haywood, Jackson, Macon, Swain (EBCI))
Southwestern Commission Area Agency on Aging
125 Bonnie Lane
Sylva NC 28779
FAX (828) 586-1968
(Buncombe, Henderson, Madison, Transylvania)
Land-of-Sky Regional Council
339 New Leicester Highway
Asheville, NC 28806
FAX (828) 251-6353
(Cleveland, McDowell, Polk, Rutherford)
Isothermal Planning & Development Commission
P.O. Box 841
Rutherfordton, NC 28139
FAX (828) 287-2735
(Alleghany, Ashe, Avery, Mitchell, Watauga, Wilkes, Yancey)
High Country Council of Governments
468 New Market Boulevard
Boone, NC 28607
(828) 265-5434 (see individual extensions)
FAX (828) 265-5439
(Alexander, Burke, Caldwell, Catawba)
Western Piedmont Council of Governments
P.O. Box 9026
Hickory, NC 28603
FAX (828) 322-5991
(Anson, Cabarrus, Gaston, Iredell, Lincoln, Mecklenburg, Rowan, Stanly, Union)
Centralina Council of Governments
525 North Tryon Street
Charlotte, NC 28202
(704) 372-2416 COG
FAX (704) 347-4710
(Alamance, Caswell, Davidson, Davie, Forsyth,Guilford, Montgomery, Randolph, Rockingham, Stokes, Surry, Yadkin)
Piedmont Triad Regional Council
1398 Carrollton Crossing Drive
Kernersville, NC 27284
Main Phone Number
Aging Fax: (336) 904-0302
(Franklin, Granville, Person, Vance, Warren)
Kerr Tar Regional COG
1724 Graham Avenue
P.O. Box 709
Henderson, NC 27536
FAX (252) 436-2055
(Edgecombe, Halifax, Nash, Northampton, Wilson)
Upper Coastal Plain Council of Governments
121 W. Nash Street
PO Box 9
Wilson, NC 27894
Main Phone: (252) 234-5952
(see individual numbers)
FAX (252) 234-5971
Mid-Carolina Council of Governments
P.O. Drawer 1510
Fayetteville, NC 28302
FAX (910) 323-9330
(Bladen, Hoke, Richmond, Robeson, Scotland)
Lumber River Council of Governments
30 CJ Walker Road
Pembroke, NC 28372
see individual extensions)
Phone: (910) 618-5533
FAX: (910) 521-7556
(Brunswick, Columbus, New Hanover, Pender)
Cape Fear Council of Governments
1480 Harbour Drive
Wilmington, NC 28401
(910) 395-4553 (see individual extensions)
FAX (910) 395-2684
(Carteret, Craven,Duplin, Greene, Jones, Lenoir, Onslow, Pamlico, Wayne)
Eastern Carolina Council of Governments
233 Middle Street
P.O. Box 1717
New Bern, NC 28563
COG - FAX (252) 638-3187 http://www.eccog.org/
(Beaufort, Bertie, Hertford, Martin, Pitt)
1385 John Small Avenue
Washington, NC 27889
(252) 946-8043 (see individual extensions)
FAX (252) 974-1852
(Camden, Chowan, Currituck, Dare, Gates, Hyde, Pasquotank, Perquimans, Tyrrell, Washington)
512 South Church Street
P.O. Box 646
Hertford, NC 27944
FAX (252) 426-8482
Find Additional Help Here
North Carolina Division of Aging and Adult Services
Alzheimer's Communities Regulations
Alzheimer's Unit requirements are not separately specified
Assisted Living Regulations
Assisted Living Regulatory Information
Assisted Living Residences. "Multi-Unit Assisted Housing with services (MAHS) Assisted Living Residences provide group housing with at least one meal per day and housekeeping. Personal care services are provided by agreement with a licenses home care or hospice agency. Adult Care Homes are further categorized as Family Care (housing two-to-six residents), Group Homes for Developmentally Disabled Adults (housing two-to-nine developmentally disabled adult residents, or Homes for the Aged (housing seven or more residents). In a MAHS, housing and assistance with coordination of personal and health care services through licensed home care agencies is permitted. Adult Care Homes also have a provision for 24-hour staff monitoring and supervision of residents.
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
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.
Communities - Non-Age Restricted
CoastalPlaces.com : Planned,
Private, and Gated Communities
Drug Savings Programs and Medical Aids
Health Insurance Counseling, Advocacy, and Medicare Help
Need help with the Medicare Maze?
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 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
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 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
To resovle moving issues, contact your state regulartory agency below.
Public Staff Utilities Commission
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.
Real Estate Agents: Buy or Sell
Interested in Buying or Selling
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.
Personal Income Tax
Tax Rate Range: 6% to 8.25%.
Three income brackets: Lowest is $12,750, highest is $120,000
Taxpayers may opt to pay 14% of adjusted federal income tax without a deduction of federal taxes.
Personal Exemptions: $ 2,500 for singles and $5,000 for marrieds, as per the IRS code.
Standard Deduction: $3,000 for singles, $5,000 for married filing jointly.
Medical/Dental Deduction: Federal amount.
Federal Income Tax Deduction: At least $4,000 excluded and Military retirees may be permanently exempt from state income tax on retianer pay.
Public Pension Exclusion: At least $4,000 for qualified private pensions.
Private Pension Exclusion: $2,000 per taxpayer.
Social Security Exemption: Federal amount.
Sales Tax: 4.5% (Prescription drugs exempt.
Food subject to local tax)
Some county taxes can add another 3%
For further information North Carolina Department of Revenue.
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