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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 reference for seniors, their loved ones, and their caregivers to present a synopsis of and contact information for possibilities and alternatives dealing with elderly people today, with a listing of exactly just how certain laws and regulations affect Virginia’s elder residents and practical suggestions about problems such as for example Medicaid, Alzheimer’s infection, landlord-tenant relations, plus much more.

Addititionally there is a list that is extensive of organizations that detail the different solutions open to elderly people.

Revised March 2013


Financial Assistance

Personal Protection

  • Introduction
  • Personal safety as well as your your your retirement plans
  • How will you be eligible for your your retirement advantages?
  • Just how much will your retirement advantage be?
  • Complete retirement age
  • Age to get full Social safety advantages
  • Early your retirement
  • Delayed retirement
  • Determining when you should retire
  • Pension benefits for widows and widowers
  • Advantages for household members4
  • Spouse’s Advantages
  • Maximum household benefits
  • Social Safety Benefits and Breakup
  • How can you subscribe to Social protection?
  • Straight to attract
  • In the event that you work and acquire advantages during the time that is same
  • A unique rule that is monthly
  • Your advantages can be taxable
  • Retirement benefits from work maybe maybe maybe not included in Social protection
  • Making the usa
  • Supplemental Safety Money
  • Eligibility
  • Earnings
  • Charges
  • Trying to get 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
  • Aid and Attendance Allowance
  • Eligibility
  • Just how to Apply for Aid and Attendance
  • Eligibility
  • Relationship of VA money to Social protection management (SSA) Benefits
  • Trying to get VA Advantages and Information
  • Straight 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 online payday CT Refused

Federal Tax Relief

  • Federal Taxes
  • Federal Tax Credit
  • Earned Income Credit8
  • Taxpayers that are Blind or more than 65 Years
  • Medical 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
  • Real-estate Tax Reductions for older people

Medical Care


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


  • What Exactly Is Medicare?
  • Different Areas Of Medicare
  • Medicare Component A (Medical Center Insurance Coverage)
  • Medicare Part B (Medical Care Insurance)
  • Medicare Part C (Medicare Advantage Plans)
  • Medicare Component D (Approved Drug Coverage)
  • Your Medicare Coverage Alternatives
  • Original Medicare
  • Medicare Advantage Plans ( like an HMO or PPO)
  • Other Medicare Wellness Plans
  • State Insurance Counseling

Alzheimer’s infection

  • Introduction
  • Signs
  • Services Available
  • Medical Care Solutions
  • Sleep when it comes to Caregiver
  • Day-to-Day Assistance for the 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

Assisted Living Facilities

  • Introduction
  • Picking out a 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
  • Spending money on Assisted Residing
  • Selecting an Assisted facility that is living

Adult Care day

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

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 facility: 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 Qualified Advice
  • Virginia Long-Term Care Ombudsman Program


  • Landlord-Tenant Problems
  • Obtain Vital Information About Rental Property
  • Understand Your Lease
  • Virginia Household Landlord and Tenant Act
  • Protection Build Up
  • Rental Application
  • Duties for the Tenant
  • Duties associated with Landlord
  • Tenant Remedies/Defenses
  • Considerations to consider
  • Landlord Remedies/Eviction
  • Retaliatory Action by Landlord
  • Rental Assistance System
  • Eligibility
  • How exactly does the scheduled program Work?
  • Virginia Minimal Income Energy Assistance Program (LIHEAP)
  • Other Energy Assistance Products
  • Phone Assistance Tools

Reverse Mortgages

  • What exactly is a Reverse Home Loan?
  • Who are able to be eligible for a HUD HECM?
  • What kinds of domiciles meet the criteria for HECM loans?
  • Exactly exactly How will be the profits associated with the HECM loan compensated into the homeowner?
  • Must the profits for the HECM loan be utilised by the home owner limited to particular specified things?
  • Could be the home owner actually prone to repay the HECM loan?
  • Does the home owner have actually responsibilities underneath the HECM loan?
  • Whenever must the HECM be paid back?
  • Does the homeowner want to spend a charge to a planner or loan finder to be able to get an HECM loan?
  • Is definitely an HECM loan expensive?
  • If the homeowner obtain counseling before acquiring an HECM?
  • Are there web sites or cost free phone figures from where homeowners can buy information on HECM loans or any other reverse mortgage loans?

Preparation for future years

Divorce proceedings and also the Elderly Real Estate 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 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 Customer Guidance
  • Preparing at Time of Want
  • Veterans


Protection of Protection Under The Law

Whenever Do a Lawyer is needed by you? How to locate a Lawyer Choosing And Performing With Legal Counsel

  • Why do you will need legal counsel?
  • IWhat sort of attorney do you need? 0
  • How can we find legal counsel?
  • Simple tips to choose the lawyer that is right
  • Plan the meeting1
  • Charges
  • Fee Agreements
  • Charge Dispute Resolution System
  • Most readily useful technique for Choosing an attorney to Represent You

Customer Guide

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


  • Age Discrimination
  • Discrimination Predicated 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
  • 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?
  • Signs and symptoms of Elder Abuse
  • Preventing Abuse
  • Reporting Abuse

Alternate Dispute Resolution

  • Arbitration
  • Mediation
  • Collaborative Family Law

Particular 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 Associates

  • Agencies on the aging process
  • 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 Companies
  • Nursing Facilities, Adult Homes & Day Care
  • Railroad Retirement Act Benefits
  • Personal Solutions
  • Social Protection Administration2
  • Veterans’ Affairs
  • Victims of Crime Compensation

Updated: Apr 04, 2018

All Divisions: (804) 775-0500