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After Mom Moves

After Mom Moves

After Mom MovesAFTER MOM MOVES

Are you trying to manage the resources from afar?

  You may benefit from Seniors Real Estate Coordination
- Property preparation for sale - Estate clean out - No hassle transitions
- Communication with family & professional advisors - Home sale and closing
To contact a Seniors Real Estate Professional click HERE
NO extra fees or obligation

Agencies on
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Agencies on Aging

Department of Elder Affairs
4040 Esplande Way, Suite 260
Tallahassee, FL 32399-7000
904.414.2060
1.800.96ELDER


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Alzheimer's Communities Regulations

Alzheimer's Unit Requirements are set by
Agency for Health Care Administration
850.487.2515

A specialized unit must have a physical environment that provides for the safety and welfare of residents; offers activities specifically designed for these residents; have 24-hour staffing availability; and employ staff who have completed an eight-hour approved training course.


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Assisted Living Regulations

Assisted Living Regulatory Information
Agency for Health Care Administration
850.487.2515

Assisted Living Facilities provide housing, food service, and one or more "personal services" (e.g., assistance with activities of daily living and supervision of self-administered medication). Nursing services are permitted for facilities that hold a special license. A resident must be discharged if he or she is no longer able to meet the admission criteria or is bedridden for more than seven days.

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HMOs Ranked

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.

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Communities - Non-Age Restricted

CoastalPlaces.com : Planned, Private, and Gated Communities
Comprehensive information on coastal scommunities in Florida, Georgia, South Carolina, North Carolina, and Virginia.



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Directories - Senior Housing Options

 

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Find Low Drug Prices

Save money! Compare prescription drug prices for 1,000+ medications. You'll also see online pharmacy ratings and shipping fees so you can compare total costs.

Find Low Drug Prices from Verified Pharmacies
 
compare drug prices


seniorresource.com

For information on your state's prescription drug assistance program-
888.419.3456
Program benefits and eligibility varies by state.


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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


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Insurance: Automobile

Esurance Banners

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Insurance: Life

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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.

 

Medicaid does not give you choices! Learn How to Protect your Loved Ones with Long Term Care Insurance

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Investments:

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 .
Annuities For Dummies is a plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You'll find out exactly what annuities are, whether they're the right financial vehicle for you, and which of the many annuity options might have your name on it. You'll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to:

  • • Identify the main types of annuities

  • • Weigh the pros and cons of annuities for yourself

  • • Minimize the complexity of your annuity investment

  • • Figure out how much money to commit

  • • Avoid common annuity pitfalls

  • • Create an income you can't outlive

Annuity

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


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.


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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:

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
Moving Quote
Division of Consumer Services,
Bureau of Compliance
850-410-3749

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Real Estate Agents: Buy or Sell

Interested in Buying or Selling
a Home or Condo?

Whenever possible your inquiry goes to a Specialist trained to work with seniors from over 800 such specialists in our International referral network.

Having a Professional Specialist contact you, is just a click away! Fill out the inquiry form and we do the rest.


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Retirement Communities

  • Hudson

Atria Baypoint Village

7927 State Route 52
Hudson, Florida 34667

Atria Baypoint Village offers a comprehensive program of activities and services to enhance living for its residents. In addition to a selection of amenitized apartments, three meals a day, there is a choice of activities and programs to enjoy. The 24-hour responsive staff provides special attention and assistance with life-oriented services as needed, so residents can live life to their fullest.

Aging in Place

Aging In Place

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. 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. 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.

Universal Design: A Step-by-Step Guide to Modifying Your Home for
Comfortable, Accessible Living

by Barbara Krueger and Nika Stewart is a good place to start.With the book as a guide you can plan ahead for years before you critically need the advantages offered by the ideas in the book.

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.

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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

Florida homeowners age 62+ should visit your local page found here: https://reverse.mortgage/lenders-florida
Brought to you by All Reverse Mortgage® Of Florida

  • 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:

- Senior Resource...Reverse Mortgage Overview
- Senior Resource...Finance Information


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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: Department of Insurance
200 E. Gaines Street
Tallahessee, FL 32399-0300
904.922.3100

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Taxes

 • Personal Income Tax: None.

 • Inheritance Tax: None.

 • Sales Tax: 6% (Food, prescription and non-prescription drugs exempt).

For further information Florida Department of Revenue

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