Maine is a state full of opportunities for having a safe, active, and healthy lifestyle. It’s easy to travel a couple of hours and go boating, skiing, RVing, hiking, and biking along the coast, many lakes, in the mountains or forest.

With so many opportunities to stay active, it’s no surprise that Maine is in the top 20 healthiest states to live in and it has a strong network of providers that care specifically for seniors. The state is also very safe, ranking in the bottom five states for rates of crime. People often buy second homes here because real estate is affordable, and then later move to Maine full-time for the lifestyle it offers.

Agencies on Aging

Office of Aging & Disability Services
SHS #11
41 Anthony Avenue
Augusta, ME 04333

Phone: (207) 287-9200
TTY: Maine relay 711

Hotline Services
1-888-568-1112
TTY: Maine relay 711
click here to visit their website

Alzheimer's Communities Regulations

Alzheimer's Unit Requirements set by Division of Residential Care, Department of Health and Human Services
109 Capitol Street
11 State House Station
Augusta, Maine 04333

Phone: (207) 287-3707
FAX: (207) 287-3005
TTY: Maine relay 711

All facilities with Alzheimer's/Dementia Care Units must offer special weekly activities such as gross motor, self-care, social, outdoor, spiritual, and sensory enhancement activities. Regulations require specific physical plant design for Alzheimer's units.

Assisted Living Communities

Assisted Living Regulations set by the Department of Human Services
See their documentation on this page of their website.

Assisted Living Facilities/Residential Care Facilities make a distinction between those with six or fewer residents and those with seven or more residents. They provide housing (an apartment which locks and has a bathroom) and assistance with activities of daily living and administration of medications and nursing services. Residential Care Facilities must select the level of care they will provide.

  • Level I: Independent Living
  • Level II: Provided meals, other non-medical coordinated services
  • Level III: All of the above, Plus personal care, Medication administration, License required
  • Level IV: All of the above, RN is an employee

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, three 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.

See our full Assisted Living page for more information, and our list of Maine Assisted Living resources to help you find a place that meets your needs.

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Adult Day Care

Adult Day Care is a 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 provide respite care for a weekend, or a week. Senior centers may also offer senior day care as one of their services.

See our full Adult Day Care page for more information, and our list of Maine Adult Day Care resources to help you find a provider that meets your needs.

Senior Apartments

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 handrails 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.

See our full Senior Apartments page for more information, and our list of Maine Senior Apartments resources to help you find a place that meets your needs.

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. For example, changing bandages for deep wounds is often only permitted in Nursing Homes, as is turning a patient in bed who cannot turn themselves.

See our full Skilled Nursing Facilities page for more information, and our list of Maine Skilled Nursing Facilities to help you find a place that meets your needs.

Cohousing

"Cohousing" refers to a type of collaborative housing that attempts to overcome the alienation of modern subdivisions in which no one knows his or her neighbor, and where there is no sense of community. The typical cohousing community has 20 to 30 units, privately owned single-family homes or apartments, arranged in such a way as to encourage interaction with neighbors. It often has a common house, workshops, shared gardens and a greenhouse, meeting and exercise rooms, and often a shared kitchen and dining room where residents may choose to prepare and share meals. In many cases, more than one generation of a family will live in cohousing.

See our full Cohousing page for more information, and our list of Maine Cohousing resources to help you find a place that meets your needs.

Shared Housing

Home sharing is an alternative long term living arrangement where two unrelated people choose to live for mutual benefit.

See our full Shared Housing page for more information, and our list of Maine Shared Housing resources to help you find a place that meets your needs.

Senior Education

Did you know that taking a class in just about any subject can improve your cognitive abilities, rejuvenate your memory, and have fun all at the same time?

See our full Senior Education page for more information, and our list of Maine Senior Education resources to help you find a school that will inspire you to keep learning!

Elder Law

Elder Law Attorneys work primarily with people as they age. These attorneys usually coordinate with others in various fields to provide their clients with a wide variety of services.

See our full Elder Law page for more information, and our list of Maine Elder Law resources to help you find a school that will inspire you to keep learning!

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 of which you should be aware. It can also be stressful, even under the best of circumstances.

Use the moving checklist to help guide you through the moving venture.

A critical 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.

See our list of Maine Moving Companies

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. The most 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. An essential 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 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.

If you want to learn more, visit our Age 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. See our list of Maine Aging In Place Specialists.

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
76 Northern Avenue
Gardiner, Maine 04345

Telephone: 207-624-8475 or 800-300-5000 (toll free)
TTY for hearing impaired: Please call Maine relay 711
main website

Taxes

  • Personal Income Tax Rate: From 5.8% to 7.15%
  • Income Brackets: Four brackets from $4,199 the lowest to $16,700, the highest.
  • For joint returns, taxes due are twice the tax due for half the income
  • Personal Exemptions: $4,700 for singles and $7,850 for marrieds.
  • Standard Deduction: $4,500 for singles, $7,600 for marrieds filing jointly.
  • Additional Deductions: Single over 65 is $1,10, Married with one over 65 is $900, both over 65 is $1,800
  • Medical/Dental Deduction Same as Federal.
  • Federal Income Tax Deduction: 0.
  • Public Pension Exclusion: 0.
  • Private Pension Exclusion: 0.
  • Social Security Exemption: Full.
  • Sales Tax: 5.5% (Food and prescription drugs exempt)

For current and additional information, see the Maine Revenue Services.