The Senior Citizens Handbook is a resource for seniors, their own families, and their caregivers to produce an overview of and contact information for possibilities and alternatives dealing with elderly people today, with a directory of just just how certain rules affect Virginia’s elder residents and advice that is practical problems such as for instance Medicaid, Alzheimer’s infection, landlord-tenant relations, and even more.

There’s also a list that is extensive of organizations that detail the many solutions open to older persons.

Revised March 2013

Contents

Financial Assistance

Personal Protection

• Introduction
• Personal safety as well as your your your retirement plans
• How can you be eligible for a your retirement advantages?
• Simply how much will your retirement advantage be?
• Full retirement age
• Age to get complete Social my explanation safety benefits
• Early your your retirement
• Delayed retirement
• Determining when you should retire
• Pension advantages for widows and widowers
• Advantages for household members4
• Spouse’s Advantages
• Optimum family members advantages
• Social Safety Advantages and Divorce Proceedings
• How will you join Social protection?
• Straight to attract
• In the event that you work and obtain advantages during the exact same time
• A particular month-to-month guideline
• Your advantages might be taxable
• Pensions from work perhaps maybe not included in Social protection
• Making the usa
• Supplemental Protection Money
• Eligibility
• Earnings
• Charges
• Trying to get Benefits
• Appeals Process for SSI
• Overpayments

Retirement Benefits

• Introduction
• Pension Eligibility
• Kinds of Pension Methods
• Pension Rights
• Breaks in provider
• Benefits for Workers’ Spouses
• Protection of Pension Funds
• Appeals
• Veterans‘ Benefits
• Aid and Attendance Allowance
• Eligibility
• Just how to Apply for help and Attendance
• Eligibility
• Relationship of VA Income to Social protection management (SSA) Benefits
• Trying to get VA Advantages and Information
• Directly to Appeal
• Representation
• Railroad Pension Act Benefits

Supplemental Nutrition Assistance Program (Snap—Food Stamps)

• The Myth
• Trying to get SNAP (Meals Stamps)
• Eligibility
• What direction to go if Refused

Federal Tax Relief

• Federal Income Taxes
• Federal Income Tax Credit
• Earned Income Credit8
• Taxpayers that are Blind or more than 65 Years
• Healthcare Expenses
• Purchase of Principal Residence
• Medical Checking Account (MSA)
• Long-Term Capital Gains and Dividends
• Estate and Present Tax Exemption
• Limitless Marital Deduction
• Present Tax Annual Exclusion
• Charitable Contributions
• Property Tax Reductions for older people

Healthcare

Medicaid

• Introduction
• Eligibility
• Trying to get Medicaid
• Site Restrictions
• Transfer of Assets
• Medicaid and Long-Term Care
• Appeals
• Summary

Medicare

• What’s Medicare?
• Different Components Of Medicare
• Medicare Component A (Hospital Insurance Coverage)
• Medicare Component B (Medical Care Insurance)
• Medicare Role C (Medicare Advantage Plans)
• Medicare Component D (Approved Drug Coverage)
• Your Medicare Coverage Alternatives
• Original Medicare
• Medicare Advantage Plans ( as an HMO or PPO)
• Other Medicare Wellness Plans
• State Insurance Counseling

Alzheimer’s infection

• Introduction
• Signs
• Services Available
• Medical Care Solutions
• Sleep for the Caregiver
• Day-to-Day Assistance for the Caregiver in your home
• Day-to-Day Assistance Outside the house
• Short-Term Assistance for the Caregiver
• Long-Term Assistance
• Resources for Families
• Appropriate Factors for Alzheimer’s People

Long-Term Care

Assisted Living Facilities

• Introduction
• Choosing the Nursing Home
• Investing in Nursing Residence Care
• Medicare
• Medicaid
• Veterans Advantages
• Personal Health Insurance And Long-Term Care Insurance
• Personal Resources
• Resident Liberties
• Financial Controls and Resident Funds
• Resources
• Long-Term Care Ombudsman Program

Assisted Living Facilities

• Introduction
• Design
• Legislation
• Spending money on Assisted Residing
• Selecting an Assisted Residing Facility

Adult Day Care

• Introduction
• Legislation of Adult Day Care
• Services Provided
• Investing in Adult Day Care

Home Care

• Introduction
• Organizing for Residence Care
• Selecting a true home Care Provider
• Concerns to inquire of
• Investing in Residence Care

Continuing Care Retirement Communities

• Introduction
• Kind A center: Extensive Arrange
• Type B Center: Modified Arrange
• Type C Center: Fee-for-Service Plan
• CCRC Costs
• Benefits and drawbacks
• Residents‘ Rights therefore the Possibility of Dismissal
• Selecting A certain CCRC
• Seek Expert Advice
• Virginia Long-Term Care Ombudsman Program

Housing

• Landlord-Tenant Problems
• Obtain Vital Information About Rental Property
• Understand Your Lease
• Virginia Residential Landlord and Tenant Act
• Safety Build Up
• Rental Application
• Duties regarding the Tenant
• Duties for the Landlord
• Tenant Remedies/Defenses
• Considerations to consider
• Landlord Remedies/Eviction
• Retaliatory Action by Landlord
• Rental Assistance System
• Eligibility
• How can the System Work?
• Virginia Minimal Money Energy Assistance Program (LIHEAP)
• Other Energy Assistance Products
• Phone Assistance Products

Reverse Mortgages

• What exactly is a Reverse Home Loan?
• Who is able to be eligible for a HUD HECM?
• What forms of domiciles meet the criteria for HECM loans?
• Just exactly How would be the profits associated with the HECM loan compensated towards the home owner?
• Must the proceeds regarding the homeowner use the HECM loan just for certain specified things?
• Could be the home owner really prone to repay the HECM loan?
• Does the home owner have actually responsibilities underneath the HECM loan?
• When must the HECM be paid back?
• Does the home owner have to spend a cost to a planner or loan finder so that you can get an HECM loan?
• Is definitely an HECM loan expensive?
• If the homeowner obtain counseling before acquiring an HECM?
• Are there sites or cost free phone numbers from where home owners can buy details about HECM loans or other reverse mortgage loans?

Preparation for future years

Divorce or separation while the Elderly property Transfers Probate and Estate management

• Probate
• Estate Preparing
• Wills
• Planning of one’s Will
• Changing Your Will
• Dying Without a Will
• Wills and Life Insurance Coverage
• Joint Tenancy Ownership being a Will Substitution
• Revocable trusts that are living
• Estate Taxes
• Settling an Estate/Administering a Trust
• Special Requirements Trust
• Supplemental Requirements Trusts

Advance Directives

• Introduction
• Forms of Advance Directives
• Medical care Energy of Attorney

Energy of Attorney and Durable Energy of Attorney Guardianship

• Introduction
• Whom Requires a Guardian?

Funeral Solutions

• Preparing In Advance
• Funeral Provider Consumer Guidance
• Planning at Period of Need
• Veterans

Advantages

Protection of Rights

Whenever Do You Will Need legal counsel? How to locate a Lawyer Choosing And Dealing With An Attorney

• Why do you’ll need a attorney?
• IWhat sort of attorney do you want? 0
• Just how do a Lawyer is found by me?
• How exactly to choose the right attorney
• Plan the meeting1
• Charges
• Fee Agreements
• Cost Dispute Resolution Program
• Most readily useful technique for selecting an attorney to Represent You

Customer Guide

• Introduction
• Contracts and Credit Buying
• Basic Contract Dos and Don’ts
• Charge Card Finance Charges
• Unsolicited Charge Cards
• Lost or Stolen Charge Cards
• Bad Credit Scoring
• Error in payment
• Debt Collectors
• Door-to-Door product Sales
• Mail-Order Goods
• Unordered Products
• Telemarketing Product Sales
• Unscrupulous Techniques
• Bait and Switch
• Pigeon Drop
• Residence Repairs
• Wellness Quackery
• Customer Treatments
• Matches in General District Courts

Discrimination

• Age Discrimination
• Discrimination According To Impairment

Grandparent Rights

• Grandparent Rights to Visitation and Custody
• A Primer on Legal Custody and Guardianship
• Of Grandchildren
• Appropriate Custody
• Guardianship
• Parental Presumption
• Individual by having a genuine interest
• Visitation Determination
• Foster Care and Grandparents
• State Benefit Tools
• Web Resources

Your Personal Security And Safety

• In The Home
• Walking
• While Shopping
• In Your Vehicle
• Banking

Elder Abuse

• What Exactly Is Elder Abuse?
• Indications of Elder Abuse
• Preventing Abuse
• Reporting Abuse

Alternate Dispute Resolution

• Arbitration
• Mediation
• Collaborative Family Law

Certain Issues for Seniors

Virginia’s Judicial System

• Magistrates
• District Courts9
• Circuit Courts
• Court of Appeals
• Supreme Court
• Police force and Prosecution of Criminal Situations

Helpful Associates

• Agencies on Aging
• Citizen Help Lines
• Customer Protection
• Discrimination
• Employment Information
• Funeral Solutions
• Health Care Ideas
• Housing Information
• Information and Referral Services
• Legal Information
• Long-Term Care
• Nationwide Organizations
• Assisted Living Facilities, Adult Homes & Care day
• Railroad Pension Act Benefits
• Personal Services
• Social Protection Administration2
• Veterans’ Affairs
• Victims of Crime Payment

Updated: Apr 04, 2018

All Divisions: (804) 775-0500