Virginia State Bar. A company for the Supreme Court of Virginia

Virginia State Bar. A company for the Supreme Court of Virginia

The Senior Citizens Handbook is a reference for seniors, their own families, and their caregivers to offer a synopsis of and email address for possibilities and choices facing elderly people today, with a listing of just exactly how certain regulations affect Virginia’s elder residents and practical suggestions about dilemmas such as for example Medicaid, Alzheimer’s infection, landlord-tenant relations, and a lot more.

There is a substantial listing of community-service organizations that detail the many solutions offered to elderly people.

Revised March 2013


Financial Assistance

Personal Safety

  • Introduction
  • Personal safety as well as your your retirement plans
  • How can you be eligible for retirement advantages?
  • Just how much will your retirement benefit be?
  • Full retirement age
  • Age to get complete Social protection advantages
  • Early your retirement
  • Delayed retirement
  • Determining when you should retire
  • Pension advantages for widows and widowers
  • Advantages for household members4
  • Spouse’s Benefits
  • Optimum family members advantages
  • Social Security Advantages and Divorce Proceedings
  • How will you join Social protection?
  • Straight to impress
  • In the event that you work and obtain advantages during the time that is same
  • A particular month-to-month guideline
  • Your advantages are taxable
  • Retirement benefits from work maybe not covered by Social safety
  • Making the usa
  • Supplemental Protection Money
  • Eligibility
  • Earnings
  • Charges
  • Trying to get Advantages
  • Appeals Process for SSI
  • Overpayments

Retirement Benefits

  • Introduction
  • Pension Eligibility
  • Forms of Pension Methods
  • Pension Rights
  • Breaks in provider
  • Advantages for Workers’ Spouses
  • Protection of Pension Funds
  • Appeals
  • Veterans‘ Benefits
  • Help and Attendance Allowance
  • Eligibility
  • How exactly to Apply for help and Attendance
  • Eligibility
  • Relationship of VA Income 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
  • What direction to go if Refused

Federal Tax Relief

  • Federal Taxes
  • Federal Tax Credit
  • Earned Income Credit8
  • Taxpayers that are 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 Gift Tax Exemption
  • Limitless Marital Deduction
  • Present Tax Annual Exclusion
  • Charitable Contributions
  • Property Tax Reductions for older people



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


  • What Exactly Is Medicare?
  • The various Elements Of Medicare
  • Medicare Component A (Hospital Insurance Coverage)
  • Medicare Component B (Health Care Insurance)
  • Medicare Role C (Medicare Advantage Plans)
  • Medicare Part D (Prescription Drug Coverage)
  • Your Medicare Coverage Choices
  • Original Medicare
  • Medicare Advantage Plans ( such as an HMO or PPO)
  • Other Medicare Wellness Plans
  • State Insurance Counseling

Alzheimer’s infection

  • Introduction
  • Signs
  • Services Available
  • Healthcare Solutions
  • Sleep when it comes to Caregiver
  • Day-to-Day Assistance when it comes to Caregiver in your home
  • Day-to-Day Assistance Outside the house
  • Short-Term Assistance for the Caregiver
  • Long-Term Assistance
  • Resources for Families
  • Appropriate Considerations 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 Liberties
  • Financial Controls and Resident Funds
  • Resources
  • Long-Term Care Ombudsman Program

Assisted Living Facilities

  • Introduction
  • Design
  • Legislation
  • Investing in Assisted Residing
  • Selecting an Assisted Residing Facility

Adult Care day

  • Introduction
  • Legislation of Adult Day Care
  • Services Provided
  • Spending money on Adult Care day

Home Care

  • Introduction
  • Organizing for Residence Care
  • Picking a true home Care Provider
  • Concerns to inquire about
  • Investing in Residence Care

Continuing Care Retirement Communities

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


  • Landlord-Tenant Dilemmas
  • Obtain Vital Information About Rental Property
  • Understand Your Lease
  • Virginia Residential Landlord and Tenant Act
  • Safety Build Up
  • Rental Application
  • Duties associated with the Tenant
  • Duties associated with Landlord
  • Tenant Remedies/Defenses
  • Essential things to consider
  • 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 Products

Reverse Mortgages

  • What’s a Reverse Home Loan?
  • Who are able to be eligible for a HUD HECM?
  • What forms of domiciles qualify for HECM loans?
  • Exactly just How will be the profits for the HECM loan compensated into the home owner?
  • Must the profits associated with homeowner use the HECM loan limited to particular specified things?
  • May be the home owner individually 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 home owner need certainly to pay a charge to a loan or planner finder so that you can get an HECM loan?
  • Is an HECM loan expensive?
  • If the homeowner obtain counseling before getting an HECM?
  • Are there sites or cost telephone that is free from which property owners can buy information regarding HECM loans or any other reverse mortgage loans?

Planning for future years

Divorce or separation while the Elderly property Transfers Probate and Estate Administration

  • Probate
  • Estate Preparing
  • Wills
  • Planning of one’s Will
  • Changing Your Will
  • Dying Without a Will
  • Wills and Life Insurance Coverage
  • Joint Tenancy Ownership being a Will Replacement
  • 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 Needs a Guardian?

Funeral Solutions

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


Protection of Protection Under The Law

When Do You’ll Need a Lawyer? How to locate legal counsel Choosing And Performing With Legal Counsel

  • Why do you may need an attorney?
  • IWhat sort of attorney do you want? 0
  • Just how can a Lawyer is found by me?
  • How exactly to choose the right attorney
  • Get ready for the meeting1
  • Charges
  • Fee Agreements
  • Charge Dispute Resolution System

  • Best technique for selecting an attorney to Represent You

Consumer Guide

  • Introduction
  • Contracts and Credit Buying
  • Fundamental Contract Dos and Don’ts
  • Charge 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 Sales
  • Unscrupulous Techniques
  • Bait and change
  • Pigeon Drop
  • Home Repairs
  • Wellness Quackery
  • Consumer Remedies
  • Matches in General District Courts


  • Age Discrimination
  • Discrimination According To Impairment

Grandparent Rights

  • Grandparent Rights to Visitation and Custody
  • A Primer on Legal Custody and Guardianship
  • Of Grandchildren
  • Appropriate Custody
  • Guardianship
  • Parental Presumption
  • Individual by having a genuine interest
  • Visitation Determination
  • Foster Care and Grandparents
  • State Benefit Products
  • Online 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 Legislation

Certain Issues for Seniors

Virginia’s Judicial System

  • Magistrates
  • District Courts9
  • Circuit Courts
  • Court of Appeals
  • Supreme Court
  • Police force and Prosecution of Criminal Situations

Helpful Associates

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

Updated: Apr 04, 2018

All Divisions: (804) 775-0500