After Mom Moves

	AFTER 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

The Virginia Division for the Aging fosters the independence and well-being of older Virginians and supports their caregivers through leadership, advocacy and oversight of state and community programs, and guides the Commonwealth in preparing for an aging population.

Alzheimer's Care Communities

• Manassas

Alzheimer's Communities Regulations

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.

Assisted Living Communities

Assisted Living Regulations

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.

Adult Day Care

Award Winning HMOs

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Directories - Senior Housing Options

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

General Resources for Retirees

Health Insurance Counseling and Advocacy Program (HICAP)

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Insurance: Automobile

Insurance: Life

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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Investments: Annuities, 401K Rollovers

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.

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:

Department of Agriculture and Consumer Services, OCA - Counseling Intake & Referral Unit

804-786-2040

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

"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 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

Company

Address

City

ST

ZIP

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: Bureau of Insurance 1300 E. Main Street Richmond, VA 23219 1.800.552.7945 804.371.9691

Taxes

• Personal Income Tax
  Tax Rate Range: 2% to 5.75%.
  Four income brackets: Lowest is $3,000, highest is $17,000
  Personal Exemptions: $800 for singles and $1,600 for marrieds.
  Residents 62 to 64 may exclude up to $6,000 of income, over 65 may exclude up to $12,000.
  Amounts allowed for exclusion may be reduced by the amount of Social Security received
  Standard Deduction: $3,000 for singles, $5,000 for marrieds filing jointly.
  Medical/Dental Deduction Partial.
  Federal Income Tax Deduction: 0.
  Public Pension Exclusion: 62-64 $6,000 single; 65+, $12,000 single
  Private Pension Exclusion: 62-64 $6,000 single; 65+, $12,000 single
  Social Security Exemption: Full.
  
• Sales Tax: 3.5% (Prescription and non-prescription drugs exempt, 3% for food.)
  For further information Virginia Department of Taxation.
  

Additional Resources

Alzheimer's Association, Northern Virginia Chapter Virginia Health Information Annual Nursing Facility Efficiency and Productivity Report is available atwww.vhi.org/info_home.asp Consumers can get a password on the spot to view the data. SENIOR WORLD Information about resources for seniors in the Roanoke area, and some which are not area specific, such as informational videos on topics of interest to seniors.

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