Virginia State Bar. A company of this Supreme Court of Virginia

Virginia State Bar. A company of this Supreme Court of Virginia

The Senior Citizens Handbook is a reference for seniors, their loved ones, and their caregivers to offer a synopsis of and contact information for opportunities and alternatives dealing with seniors today, with a listing of just how particular rules affect Virginia’s elder citizens and practical suggestions about problems such as for example Medicaid, Alzheimer’s infection, landlord-tenant relations, plus much more.

Additionally there is a list that is extensive of organizations that detail the many solutions offered to older persons.

Revised March 2013


Financial Assistance

Personal Protection

  • Introduction
  • Personal safety along with your your your your retirement plans
  • How can you be eligible for a your retirement advantages?
  • Simply how much will your retirement advantage be?
  • Complete retirement age
  • Age to get complete Social protection advantages
  • Early retirement
  • Delayed retirement
  • Determining when you should retire
  • Pension advantages for widows and widowers
  • Advantages for household members4
  • Spouse’s Advantages
  • Optimum family advantages
  • Social Safety Advantages and Divorce Proceedings
  • How will you subscribe to Social protection?
  • Straight to impress
  • In the event that you work to get advantages during the time that is same
  • A particular rule that is monthly
  • Your advantages might be taxable
  • Retirement benefits from work maybe maybe not included in Social safety
  • Making america
  • Supplemental Safety Money
  • Eligibility
  • Earnings
  • Penalties
  • 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
  • Help and Attendance Allowance
  • Eligibility
  • Simple tips to Apply for help and Attendance
  • Eligibility
  • Relationship of VA money to Social protection Administration (SSA) Benefits
  • Obtaining VA Advantages and Information
  • Straight to Appeal
  • Representation
  • Railroad Retirement Act Benefits

Supplemental Nutrition Assistance Program (Snap—Food Stamps)

  • The Myth
  • Trying to get SNAP (Food Stamps)
  • Eligibility
  • What direction to go if Refused

Federal Tax Relief

  • Federal Taxes
  • Federal Tax Credit
  • Earned Income Credit8
  • Taxpayers who will be Blind or over the age of 65 Years
  • Healthcare Costs
  • Sale 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



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


  • What Exactly Is Medicare?
  • The various Components Of Medicare
  • Medicare Component A (Hospital Insurance Coverage)
  • Medicare Component B (Health Care Insurance)
  • Medicare Part 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 infection

  • Introduction
  • Symptoms
  • 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 the house
  • 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
  • Choosing the Nursing Home
  • Investing in Nursing Residence Care
  • Medicare
  • Medicaid
  • Veterans Advantages
  • Personal Health Insurance And Long-Term Care Insurance
  • Personal Resources
  • Resident Rights
  • 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 Residing Facility

Adult Care day

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

Home Care

  • Introduction
  • Organizing for Residence Care
  • Picking a residence Care Company
  • Concerns to inquire of
  • Spending money on Residence Care

Continuing Care Pension Communities

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


  • 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 Tenant
  • Duties associated with the Landlord
  • Tenant Remedies/Defenses
  • Essential things to keep in mind
  • Landlord Remedies/Eviction
  • Retaliatory Action by Landlord
  • Rental Assistance System
  • Eligibility
  • How can the System Work?
  • Virginia Minimal Money 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 a HUD HECM?
  • What kinds of domiciles meet the criteria for HECM loans?
  • Just just just How would be the profits for the HECM loan compensated to your home owner?
  • Must the profits associated with HECM loan be utilised by the home owner just for particular specified things?
  • May be the home owner individually liable to repay the HECM loan?
  • Does the home owner have actually responsibilities beneath the HECM loan?
  • Whenever must the HECM be paid back?
  • Does the home owner want to spend a charge up to a loan or planner finder to be able to obtain an HECM loan?
  • Can be 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 property owners can buy information regarding HECM loans or other reverse mortgage loans?

Preparation for future years

Divorce proceedings 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 being a Will Substitution
  • Revocable Residing Trusts
  • 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

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


Protection of Protection Under The Law

Whenever Do You’ll Need legal counsel? Where to find a Lawyer Choosing And Performing With Legal Counsel

  • Why do you may need an attorney?
  • IWhat sort of attorney do you want? 0
  • How can we find legal counsel?
  • Simple tips to choose the right attorney
  • Get ready for the meeting1
  • Costs
  • Fee Agreements
  • Charge Dispute Resolution Program
  • 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 Charge Cards
  • Bad Credit Scoring
  • Error in payment
  • Debt Collectors
  • Door-to-Door Sales
  • Mail-Order Goods
  • Unordered Products
  • Telemarketing 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 a genuine interest
  • Visitation Determination
  • Foster Care and Grandparents
  • State Benefit Tools
  • Web Resources

Your Personal Security And Safety

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

Elder Abuse

  • What’s Elder Abuse?
  • Signs and symptoms of Elder Abuse
  • Preventing Abuse
  • Reporting Abuse

Alternate Dispute Resolution

  • Arbitration
  • Mediation
  • Collaborative Family Legislation

Certain Issues for Seniors

Virginia’s Judicial System

  • Magistrates
  • District Courts9
  • Circuit Courts
  • Court of Appeals
  • Supreme Court
  • Police 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
  • Assisted Living Facilities, Adult Homes & Care day
  • Railroad Pension Act Benefits
  • Personal Solutions
  • Social Protection Administration2
  • Veterans’ Affairs
  • Victims of Crime Payment

Updated: Apr 04, 2018

All Divisions: (804) 775-0500