
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
Dept. of Aging and Disabilities Waterbury Complex 103 South Main Street
Waterbury, VT 05571-2301
802.241.2400 |

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
are not separately specified Department of Aging and Disabilities,
Division of Planning and Analysis
802.241.2425 |
 Assisted Living Regulations
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Assisted Living Regulatory Information Department of Aging and Disabilities,
Division of Planning and Analysis 802.241.2425 Assisted
Living Residences. An Assisted Living Residence is a program which combines
housing, health, and supportive services for the support of resident independence
and aging in place. The facility must provide services such as 24-hour staff supervision
to meet emergency, scheduled and unscheduled needs, assistance with all personal
care activities and instrumental activities of daily living, health monitoring,
routine nursing tasks, and intermittent skilled nursing services, appropriate
supervision and services for residents with dementia or related issues requiring
ongoing staff support and supervision, administration and assistance. A resident
needing skilled nursing care may arrange or that care to be provided in the facility
by a licensed nurse as long as it does not interfere with other residents. |

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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ZIP
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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. |
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.
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For information
on your state's prescription drug assistance program- 800.434.0222
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. 1.800.642.5119
802.748.5182
For more counseling information visit www.medicare.gov
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Return to top

Housing Guides
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Find a retirement community, assisted living,
nursing home, Alzheimer's care, home care, hospice and other senior
products & services online at
www.NewLifeStyles.com or in print by calling 800-869-9549.
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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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Return to top
Investments: Annuities, 401K Rollovers


Medical Informational Record Services
Is your medical information
available to your caregiver??
-
A Personal Health Record for Caregivers
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Keep track of all your medications and allergies
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Carry your legal directives such as DNR,
living will with you!
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Attach your x-rays, test results and more!
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Keep track of all your insurance claims
in one place
Here is how you can make it happen!

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Moving Help and Supplies
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Move it. Store it. And save
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PODS has made moving and storage easy and convenient. We’ll bring
a container right to you, and you can take as long as you like to
load it.
5% OFF 1st Month storage rental. 5% Off
long-distance moves.
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Moving
- Pack at your own pace
- Ground-level loading
- No renting or driving a truck
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Storage
- Secure, clean Storage Centers
- Lock it, and you keep the only key
- Pack once—no repacking
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Start Saving
Now 
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OR call 866-767-PODS and mention PROMO CODE
SR411 |
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*Available
for a limited time only at participating locations. Offer void where
prohibited by law. Please call for service locations. Must mention
promotional code at time of order. Cannot be combined with any other
offer. For local moves, 5% off first month's storage. Additional
mileage charges may apply if outside our standard delivery area.
For inter-franchise moves between two different PODS company-owned
and/or franchisee territories, 5% off first month's storage, administrative
fees, and transportation costs.
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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. |

Residential
Care Homes
Personal Residential Care Home540
Town Farm Road Brandon, VT 05733 802.247.5987
Offering 24/7 care for individuals with Alzheimers/Dementia or for elders
just in need of care in an atmosphere that suggests "home" and "family" with home
cooked meals. Activities include: Walks Going
to lunch Crafts Games Exercise oriented activities
Shopping excursions Medical appointments as needed
Call 802.247.5987 or email
us
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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: Dept. of Banking & Insurance
Consumer Complaint Division 89 Main Street, Drawer 20 Montpelier,
VT 05620-3101
802.828.3302 |

Taxes
- Personal Income Tax
Tax Rate Range: 24% of federal tax liabilitly.
Personal Exemptions: Federal amount.
Standard Deduction: Federal amount.
Medical/Dental Deduction Federal amount.
Federal Income Tax Deduction: 0.
Public Pension Exclusion: 0.
Private Pension Exclusion: 0.
Social Security Exemption: Federal amount.
- Sales Tax: 5% (Food and prescription drugs exempt.)
For further information Vermont Department of Taxes.

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