After Mom Moves
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AFTER
MOM MOVES
Are
you trying to manage the resources from afar?
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You may benefit from Seniors
Real Estate Coordination
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- Property preparation for sale - Estate
clean out - No hassle transitions
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- Communication with family & professional
advisors - Home sale and closing
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To contact a Seniors Real Estate Professional
click HERE |
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NO extra fees or obligation
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Agencies on Aging
Department of Elderly
Affairs
160 Pine Street
Providence, RI 02903
401.277.2858
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Senior Apartments
You 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
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Senior
Apartments
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Property
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Address
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City
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ST
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ZIP
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S
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Alzheimer's Communities Regulations
Alzheimer's Unit Requirements set by
Department of Health Facilities,
Regulation Division
401.222.4531
If facilities offer care for residents with Alzheimer's disease,
or other dementia by means of a special care unit, they must disclose
the form of care or treatment provided. They must explain the
additional care that is provided in philosophy, pre-admission,
admission, and discharge, assessment, care planning and implementation,
physical environment, and resident activities.
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Assisted Living Regulations
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Assisted Living Regulatory Information
Department of Health Facilities, Regulation Division
401.222.4531
Residential Care and Assisted Living Facilities. A Residential
Care and Assisted Living Facility is a residence that provides,
directly or indirectly, personal assistance, lodging, and meals
to adults who do not require medical or nursing care. Facilities
may monitor residents' recreational, social, and personal activities.
Residents requiring more intensive services must move to a nursing
facility.
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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. |
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Adult
Day Care
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Property
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Address
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City
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ST
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ZIP
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Award Winning HMOs
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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.
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Drug and Prescription Savings and Assistance Programs
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.
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For information on your state's prescription drug assistance
program-
401.222.2880
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
options.
Note: Toll free numbers often work only from within the state.
From out of state? Use the other number, when provided. 1.800.322.2880
For more counseling information visit www.medicare.gov
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Insurance: Automobile
Insurance: Life
 
Insurance, Long Term Care
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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.
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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.
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Assisted
Living Communities
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Community
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Address
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City
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ST
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ZIP
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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.
Inventory List
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:
| Division of Public Utilities and Carriers | 401-941-4500 |
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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Aging In Place
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"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.
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Universal Design: A Step-by-Step
Guide to Modifying Your Home for Comfortable, Accessible
Living
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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.
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Aging In Place Contractors
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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 Division
233 Richmond Street, Suite 233
Providence, RI 02903-4233
401.277.2223 |
Taxes
- Personal Income Tax
Tax Rate Range: 25% of Federal tax liability.
Income brackets: None
Personal Exemptions: Federal amount.
Standard Deduction: Federal amount.
Medical/Dental Deduction Federal amount.
Federal Income Tax Deduction: 0.
Public Pension Exclusion: None.
Private Pension Exclusion: None.
Social Security Exemption: Federal amount.
- Sales Tax: 7% (Food, prescription and non-prescription
drugs, precious metal bullion, some funereal items exempt)
For further information Rhode Island Division of Taxation.
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