On this state page you will find resources, senior housing, and senior lifestyle opportunities. Such items address Seniors' needs from Active Communities to Assisted Living along with Insurance, Medical and Financial Planning information.
We attempt to keep the state unique information current. To accomplish this we encourage individuals to become a state "guru".
If you are aware of any changes that need to be made or might want to become a guru with its related rewards, please let us know via the email or address at the bottom of this page.
After Mom Moves
AFTER MOM MOVES
Agencies on Aging
Department of Economic Security
Aging and Adult Administration
1789 West Jefferson Street
Phoenix, AZ 85007
Alzheimer's Communities Regulations
Alzheimer's Unit s
Assisted Living Communities
101 S. Yucca Street
AtriaChandler Villas, located 12 miles southeast of Phoenix, offers
spacious one- and two-bedroom apartments available in five floor
plans. Activities and on-site amenities are available, and our
caring and dedicated staff works to meet the needs of each resident.
Assisted Living Regulations
Certification for Home & Community Based Services (HCBS) enables individuals with developmental disabilities to live at home and receive care from qualified care providers in their community. Medicaid/Arizona Health Care Cost Containment System (AHCCCS) offers compensation to care providers in Arizona who meet certification standards.
The Office of Licensing, Certification, & Regulation (OLCR) is responsible for issuing certification to individuals, therapists, and agencies providing providing services. Home & Community Based Services (HCBS) includes:
Contact OLCR HCBS Certification Unit
Award Winning HMOs
Find out if any HMOs in your area rank in the top 50.
HealthMatrix Research Inc. ranks HMOs, provides price comparisons, tips to ask when shopping for an HMO and answers to Frequently Asked Questions. The site provides cost comparisons for over 200 Medicare health plans in 100 cities; a quick search feature for consumers to locate Medicare health plans; a convenient on-line form for requesting Medicare health plan information. The website does not provide health/medical information except for links to other such websites.
Drug Savings Programs and Medical Aids
3805 East Huntington Drive, Flagstaff, AZ 86004
NAFB's mission is to distribute food to thousands of Arizona's most impoverished. In conjunction with social service agencies, churches, civic and hunger relief organizations, NAFB is determined to wipe out malnutrition and hunger.
Health Insurance Counseling, Advocacy, and Medicare Help
| Need help with the Medicare Maze?|
Every state has a Health Insurance Counseling and Advocacy Program
to help understand Medicare coverage, payments and Medigap Insurance options.
Note: Toll free numbers often work only from within the state.
From out of state? Use the other number, when provided. 1.800.963.5337
For more counseling information visit www.medicare.gov
Insurance, Long Term Care
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, and other physical activities. Long-term care insurance can help pay for such care in the future. To help protect your financial independence, as you grow older, many Long Term Care Insurance providers have plans that offer comprehensive benefits as well as a proven track record of claims payments and financial stability. You should review all your options carefully.
Annuities Why look into annuities? If you're a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read .
401K Seventy-eight per cent of eligible American employees participate in their company's 401(k) plan, comprising over 40 million workers. The Enron collapse, coupled with new uncertainty in the investing and accounting industries, however, has even longtime 401(k) investors rethinking their approach. This guide explains the basics of 401(k) investing in plain English, showing readers how to manage their accounts, minimize their investment risk and maximize their returns. It discusses the pros and cons of including company stock and helps readers decide whether taking out a loan against their 401(k) is a wise idea. The text explains the difference between a defined contribution and a defined benefit plan, including the pros and cons of each, has sample 401(k) portfolios for various stages of life and contains a retirement calculator formula to know how much you need to save. Read 401k For Dummies
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. Changing bandages deep wounds is often only permitted in Nursing Homes as is turning a patient in bed, who cannot turn themselves.
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 that you should be aware of. It can also be stressful, even under the best of circumstances. Use the checklist here to help guide you through the moving venture.
A key step is to read and understand all information provided by the mover. These should include the following basic documents as part of your move:
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
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
To resovle moving issues, contact your state regulartory agency below.
Arizona Department of Weights and Measures
---Yes this is the right agency
Real Estate Agents: Buy or Sell
Interested in Buying or Selling
Aging In Place
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. A key 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 can 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.
Here is a book to help you make your homes senior-friendly.
Also visit: the Universal Design Living Laboratory:A National Demonstration Home at http://www.UDLL.com by Rosemarie Rossetti, PhD
If you want to learn more visit our Aging 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. Below is a list of of such providers in your area.
Reverse Mortgage Information
A FHA guaranteed Reverse Mortgage program enables older homeowners (62+) to 'borrow back' a portion of the equity in their home and convert it into cash while remaining in their home for as long as they want. They remain on title and do NOT have to make any loan payments for as long as they continue to live in the home and it remains their primary residence. When the last borrower sells, moves out or passes away, the loan becomes due. This enables many senior homeowners to age in place.
In 2015 HUD implemented changes to the HECM (Home Equity Conversion Mortgage) qualifications including new financial assessment (minimum credit and income standards). Find out how much you may qualify for by using ALLRMC’S free online calculator at https://reverse.mortgage/calculator OR to calculate your down payment on a new HECM home purchase use: https://reverse.mortgage/purchase-calculator
Arizona homeowners age 62+ should visit your local page found here:
Brought to you by All Reverse Mortgage® Of Arizona
Should you fail financial assessment you may still be eligible for a reverse mortgage with a mandated lifetime tax and insurance set-aside.
Learn more at:
State Department of Insurance
Insurance regulations differ from state to state.
- Personal Income Tax:
Tax Rate: 2.87% to 5.04%.
Five income brackets: from $10,000 (lowest) to $150,000 (highest).
Rates for joint returns: two times the tax rates for half the income.
Personal Exemptions: $2,100 and double for a married couple.
Standard Deduction: $3,500 for a single person, $7,000 for a couple filing jointly.
Federal Income Tax Deduction: 0.
Public Pension Exclusion: $2,500.
Private Pension Exclusion: None.
Social Security Exemption: full.
- Inheritance Tax: None
- Sales Tax: 5.6% (Prescription drugs and food exempt)
- Property Tax: Available for older residents.
For additional information Arizona Department of Revenue.