Maryland is a beautiful state where there are opportunities to go hiking in the middle of the state, sailing in the east, and skiing in the west. As one of the original 13 colonies, it has a rich history and culture. Maryland is well-known for its crab, it has a vibrant arts and theater scene, and it isn’t far from Washington D.C.

For football fans, Maryland is home to both the Washington Redskins and Baltimore Ravens. The state also provides tax benefits to seniors such as not taxing social security income and offering pension exclusions to those who qualify.

Agencies on Aging

Maryland Department of Aging
301 W Preston St #1007
Baltimore, MD 21201
(410) 767-1100
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Alzheimer's Communities Regulations

Alzheimer's Unit Requirements are not separately specified.
Office of Health Care Quality
7120 Samuel Morse Drive
Second Floor
Columbia MD 21046

410-402-8015 or 877-402-8218
TTY: 800-735-2258 ​

Assisted Living Communities

The Office of Health Care Quality (OHCQ) is the agency within the Maryland Department of​​ Health charged with monitoring the quality of care in Maryland's health care facilities and community-based programs. ​​

​The Office of Health Care Quality licenses and certifies facilities and programs throughout Maryland. Licensing authorizes a facility to do business in the state. Certification authorizes a facility to participate in Medicare and Medicaid​ Programs. OHCQ surveys these facilities and programs to determine compliance with State and federal regulations, which set forth minimum standards for the delivery of care.

learn more on their website

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 Maryland 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 Maryland 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 Maryland 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 Maryland 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 Maryland 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 Maryland 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 Maryland 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 Maryland 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 Maryland 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 Maryland 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:
Maryland Insurance Administration
200 St. Paul Place, Suite 2700
Baltimore, MD 21202
410-468-2000 | 1-800-492-6116 (toll free) | 1-800-735-2258 (TTY)
main website

Taxes

  • Personal Income Tax Rate: From 2% at the lowest, to 5.75%, the highest. Counties and Baltimore City may add additional taxes from 1.25% to 3.15%
  • Income Brackets: Four brackets from $1,000 the lowest to $3,000, the highest.
  • Personal Exemptions: $2,400 for singles and $4,800 for marrieds, over 65 %2,400 each.
  • Standard Deduction: $1,500 to $3,000 (15% of Maryland adjusted gross) for singles
  • $2,000 to $4,000 for marrieds filing jointly.
  • Medical/Dental Deduction: Same as Federal.
  • Federal Income Tax Deduction: 0.
  • Public Pension Exclusion: Over 65 $21,500 in from in state.
  • Private Pension Exclusion: Over 65 $21,500.
  • Social Security Exemption: Full.
  • Sales Tax: 6% (Food, prescription and non-prescription drugs exempt)

For current and additional information, see the Comptroller of Maryland.