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After Mom Moves
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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 South Carolina AAA's are one-stop shops for aging information. The staff can help you with information, make referrals and provide other types of assistance.

South Carolina AAA's

SC AAA - Region I (Anderson, Cherokee, Greenville, Oconee, Pickens and Spartanburg)
Appalachia Area Agency
SC Appalachian Council of Governments
30 Century Drive
Greenville, SC 29606
800-925-4077 (toll-free)
864-242-9733

SC AAA - Region II (Abbeville, Edgefield, Greenwood, Laurens, McCormick and Saluda)
Upper Savannah Area Agency
Upper Savannah Council of Governments
222 Phoenix Avenue
Greenwood, SC 29648
800-922-7729 (toll-free)
864-941-8053

SC AAA - Region III (Chester, Lancaster, York and Union)
Catawba Area Agency
Catawba Area Agency on Aging
2025 Ebenezer Road, Ste. B
Post Office Box 4618
Rock Hill, SC
803-329-9670
(800) 662-8330 (toll free)

SC AAA - Region IV (Fairfield, Lexington, Newberry, Richland)
Central Midlands Area Agency
Central Midlands Council of Governments
236 Stoneridge Drive
Columbia, SC 29210
803-376-5390
866-394-4166 (toll free)

SC AAA - Region V (Aiken, Allendale, Bamberg, Barnwell, Calhoun and Orangeburg)
Lower Savannah Area
Lower Savannah Council of Governments
2748 Wagener Road
Aiken, SC 29801
803-649-7981

SC AAA - Region VI (Clarendon, Kershaw, Lee and Sumter)
Santee-Lynches Area Agency
Santee-Lynches Regional Council of Governments
36 West Liberty,
Sumter, SC 29151
803-775-7381

SC AAA - Region VII (Chesterfield, Darlington, Dillon, Florence, Marion, and Marlboro)
Pee Dee Area Agency
Vantage Point
Hartsville, SC 29551
843-383-8632

SC AAA - Region VIII (Georgetown, Horry, and Williamsburg)
Waccamaw Area Agency
Waccamaw Regional Council of Governments
1230 Highmarket Street
Georgetown, SC 29440
843-546-4231

SC AAA - Region IX (Berkeley, Charleston, and Dorchester)
Trident Area Agency
4450 Leeds Place West, Suite B
North Charleston, SC 29405
843-554-2275

SC AAA - Region X (Beaufort, Colleton, Hampton, and Jasper)
Lowcountry Area Agency
Lowcountry Council of Governments
I-95 Exit 33 Hwy. 17
Point South, SC 29945-0098
843-726-5536


Find Additional Help Here

Lieutenant Governor's Office on Aging
1301 Gervais Street Suite 350
Columbia, SC 29201
Phone: 803.737.7500
Toll Free: (800) 868-9095


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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


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Alzheimer's Communities Regulations


Alzheimer's Unit Requirements set by
Department of Health and Environmental Control,
Division of Health Licensing
803.737.7236

Facilities offering special care units or programs for residents with Alzheimer's disease must disclose the form of care or treatment provided that distinguishes it as being especially suitable for the resident requiring special care.



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Assisted Living Regulations

Assisted Living Regulatory Information
Department of Health and Environmental Control,
Division of Health Licensing
803.737.7236

Community Residential Care Facilities. A Community Residential Care Facility offers room and board and a degree of personal assistance for a period of time in excess of 24-consecutie hours. Facilities may assist residents with activities of daily living, including making appointments and arranging transportation that is necessary in order for the resident to receive the supportive services required in the care plan. Facilities must also be aware of residents' general whereabouts and monitor activities of residents to ensure health, safety, and well-being.


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.

Communities - Non-Age Restricted

Communities - Non-Age Restricted

CoastalPlaces.com : Planned, Private, and Gated Communities
Comprehensive information on coastal communities in Florida, Georgia, South Carolina, North Carolina, and Virginia.


Directories Senior Housing Options

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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General Resources for Retirees

  • South Eastern Retirement offers information and articles that focus on Virginia, North Carolina, South Carolina, Georgia and Florida retiree interests.


  • Medigap and Medicare Insurance Divider

    Health Insurance Counseling, Advocacy, and Medicare Help

    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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    Insurance: Automobile

    All Web Leads USinsurance.com

    Auto Insurance

    cost effective auto insurance

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    Insurance: Life

    long term care insurance divider

    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.

     


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    Annuities 401K rollovers investments Divider

    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

    To resovle moving issues, contact your state regulartory agency below.

    Office of Regulatory Staff
    803-737-09844
    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.


    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

    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.


    Medicare Insurance Divider

    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 Affairs Section
    PO Box 100105
    Columbia, SC 29202-3105
    1.800.768.3467
    803.737.6180


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    Taxes

    • Personal Income Tax

      Tax Rate Range: 2.5% to 7%.
      Six income brackets: Lowest is $2,400, highest is $12,000
      Personal Exemptions: $2,900 for singles, $5,800 for marrieds.
      Standard Deduction: Federal amount.
      Medical/Dental Deduction Federal amount.
      Federal Income Tax Deduction: 0.
      Public Pension Exclusion: $3,000 under 65, $10,000 over 65.
      Private Pension Exclusion: $3,000 under 65, $10,000 over 65.
      Social Security Exemption: Full.

    • Sales Tax: 5% (Prescription drugs exempt and those 85+ get a 1% exclusion)
      Additional levy up to 2% possible
      For further information the South Carolina Department of Revenue.