Virginia State Bar. A company regarding the Supreme Court of Virginia

The Senior Citizens Handbook is a reference for seniors, their own families, and their caregivers to present a synopsis of and email address for possibilities and alternatives dealing with elderly people today, with a directory of just exactly how certain rules affect Virginia’s elder citizens and practical suggestions about dilemmas such as for instance Medicaid, Alzheimer’s infection, landlord-tenant relations, and even more.

Additionally there is a list that is extensive of organizations that detail the many solutions open to seniors.

Revised March 2013

Articles

Financial Assistance

Personal Protection

• Introduction
• Personal safety as well as your your your retirement plans
• How can you be eligible for retirement advantages?

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• Simply how much will your retirement advantage be?
• Complete retirement age
• Age to get complete Social protection advantages
• Early retirement
• Delayed retirement
• Determining when to retire
• Pension advantages for widows and widowers
• Advantages for household members4
• Spouse’s Advantages
• Optimum household advantages
• Social Security Advantages and Divorce Proceedings
• How can you subscribe to Social protection?
• Straight to allure
• In the event that you work and acquire advantages during the exact same time
• A special month-to-month guideline
• Your advantages can be taxable
• Retirement benefits from work perhaps not included in Social safety
• Making the usa
• Supplemental Protection Income
• Eligibility
• Earnings
• Charges
• Obtaining Advantages
• Appeals Process for SSI
• Overpayments

Retirement Benefits

• Introduction
• Pension Eligibility
• Kinds of Pension Methods
• Pension Rights
• Breaks in provider
• Advantages for Workers’ Spouses
• Protection of Pension Funds
• Appeals
• Veterans‘ Benefits
• Help and Attendance Allowance
• Eligibility
• How exactly to Apply for Aid and Attendance
• Eligibility
• Relationship of VA money 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
• How to handle it if Refused

Federal Tax Relief

• Federal Taxes
• Federal Tax Credit
• Earned Income Credit8
• Taxpayers that are Blind or over the age of 65 Years
• Health Costs
• 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

Medical Care

Medicaid

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

Medicare

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

Alzheimer’s illness

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

Long-Term Care

Assisted Living Facilities

• Introduction
• Picking out a Nursing Home
• Spending money on 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
• Choosing an Assisted Residing Facility

Adult Care day

• Introduction
• Legislation of Adult Care day
• Services Provided
• Spending money on Adult Day Care

Home Care

• Introduction
• Organizing for Residence Care
• Selecting a true home Care Company
• Concerns to inquire about
• Investing in Residence Care

Continuing Care Pension Communities

• Introduction
• Kind A facility: Extensive Arrange
• Type B Center: Modified Arrange
• Type C Facility: Fee-for-Service Arrange
• CCRC Costs
• Advantages and disadvantages
• Residents‘ Rights therefore the Possibility of Dismissal
• Selecting A certain CCRC
• Seek Qualified Advice
• Virginia Long-Term Care Ombudsman Program

Housing

• Landlord-Tenant Dilemmas
• Obtain Vital Information About Rental Property
• Understand Your Lease
• Virginia Household Landlord and Tenant Act
• Safety Build Up
• Rental Application
• Duties associated with the Tenant
• Duties regarding the Landlord
• Tenant Remedies/Defenses
• Essential things to consider
• Landlord Remedies/Eviction
• Retaliatory Action by Landlord
• Rental Assistance System
• Eligibility
• How can the System Work?
• Virginia Minimal Income Energy Assistance Program (LIHEAP)
• Other Energy Assistance Tools
• Phone Assistance Tools

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 just exactly How will be the profits regarding the HECM loan compensated to your home owner?
• Must the profits regarding the homeowner use the HECM loan just for certain specified things?
• Could be the home owner physically prone to repay the HECM loan?
• Does the home owner have responsibilities beneath the HECM loan?
• Whenever must the HECM be paid back?
• Does the home owner want to spend a cost to a planner or loan finder so that you can get an HECM loan?
• Can be an HECM loan expensive?
• If the homeowner obtain counseling before getting an HECM?
• Are there websites or cost free phone figures from where home owners can acquire information regarding HECM loans or any other reverse mortgage loans?

Planning for future years

Divorce proceedings as well as the Elderly property Transfers Probate and Estate management

• Probate
• Estate Planning
• Wills
• Planning of one’s Will
• Changing Your Will
• Dying Without a Will
• Wills and Life Insurance Coverage
• Joint Tenancy Ownership as 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
• Kinds of Advance Directives
• Medical care Energy of Attorney

Energy of Attorney and Durable Energy of Attorney Guardianship

• Introduction
• Whom Requires a Guardian?

Funeral Solutions

• Thinking Ahead
• Funeral Provider Customer Guidance
• Preparing at Time of Need
• Veterans

Advantages

Protection of Legal Rights

Whenever Do a Lawyer is needed by you? How to locate legal counsel Finding And Performing With An Attorney

• Why do a lawyer is needed by you?
• IWhat sort of attorney do you really need? 0
• Just how can we find legal counsel?
• How exactly to choose the lawyer that is right
• Get ready for the meeting1
• Charges
• Fee Agreements
• Charge Dispute Resolution System
• Most useful technique for selecting an attorney to Represent You

Customer Guide

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

Discrimination

• Age Discrimination
• Discrimination Centered On 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 an interest that is legitimate
• Visitation Determination
• Foster Care and Grandparents
• State Benefit Products
• Online Resources

Your Personal Security And Safety

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

Elder Abuse

• What Exactly Is Elder Abuse?
• Signs and symptoms of Elder Abuse
• Preventing Abuse
• Reporting Abuse

Alternate Dispute Resolution

• Arbitration
• Mediation
• Collaborative Family Legislation

Particular 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 Connections

• Agencies on the aging process
• Resident Help Lines
• Customer Protection
• Discrimination
• Work Information
• Funeral Solutions
• Health Care Ideas
• Housing Information
• Information and Referral Solutions
• Legal Information
• Long-Term Care
• Nationwide Companies
• Nursing Facilities, Adult Homes & Day Care
• Railroad Pension Act Benefits
• Personal Solutions
• Social Safety Administration2
• Veterans’ Affairs
• Victims of Crime Payment

Updated: Apr 04, 2018

All Divisions: (804) 775-0500