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Virginia State Bar. A company associated with Supreme Court of Virginia

Virginia State Bar. A company associated with Supreme Court of Virginia

The Senior Citizens Handbook is a resource for seniors, their own families, and their caregivers to give you a synopsis of and contact information for possibilities and alternatives dealing with elderly people today, with a directory of just how particular laws and regulations affect Virginia’s elder residents and advice that is practical problems such as for example Medicaid, Alzheimer’s infection, landlord-tenant relations, and a lot more.

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

Revised March 2013

Contents

Financial Assistance

Personal Protection

  • Introduction
  • Personal protection as well as your your retirement plans
  • How can you be eligible for your your retirement advantages?
  • Just how much will your retirement advantage be?
  • Complete retirement age
  • Age to get complete Social safety advantages
  • 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 household advantages
  • Social Safety Advantages and Divorce Proceedings
  • How can you subscribe to Social safety?
  • Directly to impress
  • In the event that you work to get advantages in the time that is same
  • An unique rule that is monthly
  • Your advantages might be taxable
  • Retirement benefits from work perhaps maybe not included in Social protection
  • Making america
  • Supplemental Protection Money
  • Eligibility
  • Earnings
  • Charges
  • Obtaining Advantages
  • Appeals Process for SSI
  • Overpayments

Pensions

  • 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
  • Just how to Apply for help 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 proceed 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
  • Healthcare Checking Account (MSA)
  • Long-Term Capital Gains and Dividends
  • Estate and Present Tax Exemption
  • Limitless Marital Deduction
  • Present Tax Annual Exclusion
  • Charitable Contributions
  • Real-estate 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 Exactly Is Medicare?
  • The various Components 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 ( as an HMO or PPO)
  • Other Medicare Wellness Plans
  • State Insurance Counseling

Alzheimer’s illness

  • Introduction
  • Signs
  • Services Available
  • Medical Care Solutions
  • Sleep when it comes to Caregiver
  • Day-to-Day Assistance when it comes to Caregiver in your home
  • 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

Nursing Facilities

  • Introduction
  • Choosing the Nursing Home
  • Investing in Nursing Residence Care
  • Medicare
  • Medicaid
  • Veterans Benefits
  • 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
  • Paying for Assisted Residing
  • Selecting an Assisted Residing Facility

Adult Day Care

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

Home Care

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

Continuing Care Pension Communities

  • Introduction
  • Kind A center: Extensive Arrange
  • Type B Center: Modified Arrange
  • Type C Center: Fee-for-Service Arrange
  • CCRC Charges
  • Advantages and disadvantages
  • 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 Household Landlord and Tenant Act
  • Safety Build Up
  • Rental Application
  • Duties for the Tenant
  • Duties associated with the Landlord
  • Tenant Remedies/Defenses
  • Essential things to consider
  • Landlord Remedies/Eviction
  • Retaliatory Action by Landlord
  • Rental Assistance System
  • Eligibility
  • How exactly does the scheduled program Work?
  • Virginia Minimal Money Energy Assistance Program (LIHEAP)
  • Other Energy Assistance Products
  • Phone Assistance Tools

Reverse Mortgages

  • What’s a Reverse Home Loan?
  • Who is able to be eligible for a HUD HECM?
  • What forms of houses qualify for HECM loans?
  • Just exactly exactly How would be the profits associated with the HECM loan compensated into the homeowner?
  • Must the profits of this homeowner use the HECM loan just for particular specified things?
  • May be the home owner really prone to repay the HECM loan?
  • Does the homeowner have actually responsibilities underneath the HECM loan?
  • Whenever must the HECM be paid back?
  • Does the home owner need certainly to spend a cost to a loan or planner finder so that you can get an HECM loan?
  • Is definitely an HECM loan expensive?
  • If the homeowner obtain counseling before getting an HECM?
  • Are there internet sites or cost telephone that is free from where home owners can acquire information on HECM loans or any other reverse mortgage loans?

Preparation for future years

Breakup and also 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 Term Life Insurance
  • Joint Tenancy Ownership as a Will Substitution
  • Revocable Residing Trusts
  • 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 Needs a Guardian?

Funeral Solutions

  • Preparing In Advance
  • Funeral Provider Customer Guidance
  • Planning at Time of Want
  • Veterans

Advantages

Protection of Protection Under The Law

Whenever Do You May Need an attorney? Where to find legal counsel Choosing And Performing With An Attorney

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

Consumer Guide

  • Introduction
  • Contracts and Credit Buying
  • Fundamental Contract Dos and Don’ts
  • Bank Card Finance Charges
  • Unsolicited Bank 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 Product Product Sales
  • Unscrupulous Techniques
  • Bait and change
  • Pigeon Drop
  • Residence Repairs
  • Wellness Quackery
  • Customer 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 having an interest that is legitimate
  • Visitation Determination
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  • Foster Care and Grandparents
  • State Benefit Tools
  • Web Resources

Your Personal Safety and Security

  • At Home
  • Walking
  • While Shopping
  • In Your Car Or Truck
  • Banking

Elder Abuse

  • What’s Elder Abuse?
  • Indications of Elder Abuse
  • Preventing Abuse
  • Reporting Abuse

Alternative 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 Instances

Helpful Connections

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

Updated: Apr 04, 2018

All Divisions: (804) 775-0500

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