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
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.
Virginia Division for the Aging - Activities
|Virginia Health Care and Insurance
||Virginia Medicaid and other state supported programs
|Virginia Caregiver Support
||Virginia Nutrition/Food Assistance
|Virginia Bill Paying Services
||Food and Nutritional help
|Virginia Centers for Independent Living (CILs)
||Virginia Assistive Technology
|Virginia Division for the Aging
1610 Forest Avenue, Suite 100
Henrico, VA 23229
Alzheimer's Care Communities
7750 Garner Drive
Manassas, VA 20110
An Assisted Living Residence of Distinction
With an Alzheimer's/Memory Care Neighborhood
Alzheimer's Communities Regulations
Alzheimer's Unit Requirements set by
Department of Social Services,
Division of Licensing Programs
Regulations cover facilities caring for adults with serious
cognitive deficits. Doors leading to the outside shall have a
system of security monitoring. Free access to an indoor walking
corridor or other areas used for walking must be provided. The
facility must employ an administrator and staff sufficient to
provide services to maintain the physical, mental, and psychosocial
well-being of each resident. If assisted living services are provided,
a licensed health care professional must be on site at least quarterly
to provide health care oversight and nursing staff must be present
to meet residents' skilled nursing needs.
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.
Assisted Living Regulations
Assisted Living Regulatory Information
Department of Social Services,
Division of Licensing Programs
Adult Care Residences. An Adult Care Residence provides
care in a primarily residential setting. "Assisted Living" is
a level of service provided in an Adult Care Residence for adults
who may have physical or mental impairments and require assistance
with two or more activities of daily living. Facilities may restrain
residents, if necessary.
Adult Day Care
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
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.
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
Communities - Non-Age Restricted
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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.
General Resources for Retirees
- South Eastern Retirement
offers information and articles that focus on Virginia,
North Carolina, South Carolina, Georgia and Florida retiree interests.
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. 1.800.552.3402
For more counseling information visit www.medicare.gov
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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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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:
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'
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
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"
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: Bureau of Insurance
1300 E. Main Street
Richmond, VA 23219
- 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
Standard Deduction: $3,000 for singles, $5,000 for marrieds
Medical/Dental Deduction Partial.
Federal Income Tax Deduction: 0.
Public Pension Exclusion: 62-64 $6,000 single; 65+, $12,000
Private Pension Exclusion: 62-64 $6,000 single; 65+, $12,000
Social Security Exemption: Full.
- Sales Tax: 3.5% (Prescription and non-prescription drugs
exempt, 3% for food.)
For further information Virginia Department of Taxation.
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