After Mom Moves
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
NO extra fees or obligation
Agencies on Aging
| Department of Community
Division on Aging
101 South Broad Street CN 807
Trenton, NJ 08625-0807
Alzheimer's Communities Regulations
Alzheimer's Unit requirements are not separately specified
Department of Health,
Division of Long-Term Care Systems, Development, and Quality
Apartments for Seniors
239 South 6th Avenue
Highland Park, New Jersey 08904
AHEPA-Highland Apartments is an exciting community offering affordable one and two bedroom apartments for adults age 55 or older. Conveniently located near the local senior center, we provide access to a full array of amenities and services, so that you feel comfortable and cared for. If you are looking to join a community of friends, neighbors, and staff who care, AHEPA-Highland is the right choice for you!
Now accepting applications
for the waiting list!
100 Muirfield Road
Jackson, New Jersey 08527
Offering 150 affordable 1- and 2-bedroom apartments with balconies,
in a state-of-the-art 2-story "L" shaped building in
the planned community of Westlake Village.
The community features acres of open space
walking trails, Wellness Center, Bocci Court
and a Community Center.
Assisted Living Regulations
Assisted Living Regulatory Information
Department of Health,
Division of Long-Term Care Systems,
Development and Quality
Assisted Living Residences/Comprehensive Personal Care Homes.
An Assisted Living Residence provides apartment-style housing
and congregate dining and assures that assisted living services
are available when n3eded. Residences (new construction), comprehensive
personal care (converted/residential boarding home), and assisted
living programs (services provided).
Attorneys: Elder Law and Estate Planning
Levine, Furman & Smeltzer,
Attorneys at Law
F-3 Brier Hill Court
East Brunswick, NJ 08816
Offering services for Elder Law, protecting your assets from
Nursing Home Cost, Medicaid applications, Estate and Tax Planning,
Wills, Living Trusts, Powers of Attorney, Living Wills, Estate
Administration and IRS dispute resolution
Legal services include New Jersey & New York Attorneys
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
The back button will bring you back to Senior
Resource after linking to other sites.
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.
For information on your state's prescription drug assistance
Program benefits and eligibility varies by state.
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
Note: Toll free numbers often work only from within the state.
From out of state? Use the other number, when provided. 1.800.792.8820
For more counseling information visit www.medicare.gov
INDEPENDENT SENIOR LIVING
to assisted living short term (Respite) and long term options
Private room and suite rentals include meals
and housekeeping services
Studio, one bedroom and two bedroom apartments
Convenient to shopping and medical services
Gourmet meals in restaurant style dining room
Social Activities Chaplain and Daily Mass
our website at www.saintfrancisres.com
or contact us at 973-627-5000
for more information or to schedule a personal tour.
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
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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
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
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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.
|The State Department of
Health has an on-line posting of ratings of nursing homes based on a specific list of criteria evaluated during yearly surprise inspections. The criteria for rating, may not be your criteria, but their web site should be a starting point in any search for a NJ nursing home.
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'
|Division of Law and Public Safety, Office of Consumer Affairs - Regulated Business Section||973-504-6442 |
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.
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
Having a Professional Specialist contact you, is just a click
away! Fill out the inquiry form and we do the rest.
is the largest originator and servicer of
reverse mortgages in the USA, allowing you to keep ownership
of your home (you don't sign it over to the bank).
With a government-insured, government-regulated
reverse mortgage, you can convert some of your equity into tax-free
cash, without ever having to make a payment as long as you live
in your home.
Financial Freedom Senior
Sparta, New Jersey
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"
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
Universal Design: A Step-by-Step
Guide to Modifying Your Home for Comfortable, Accessible
||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
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
20 West State Street
Trenton, NJ 08625
- Personal Income Tax
Tax Rate Range: 1.4% to 6.37%.
Six income brackets: Lowest is $20,000, highest is $75,000
Personal Exemptions: $1,000 for singles and $2,000 for marrieds,
$1,000 for each individual over 65.
Standard Deduction: 0.
Medical/Dental Deduction Limited to excess of 2% of gross income.
Federal Income Tax Deduction: 0.
Public Pension Exclusion: 62+: $15,000 for singles, $20,000 for
marrieds for marrieds filing jointly,Income limits apply.
Private Pension Exclusion: 62+: $15,000 for singles, $20,000
for marrieds for marrieds filing jointly,Income limits apply.
Social Security Exemption: Full.
- Sales Tax: 6% (Food, prescription and non-prescription drugs,
clothing and footwear exempt)
For further information New Jersey Department of
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