Virginia State Bar. A company associated with the Supreme Court of Virginia

Virginia State Bar. A company associated with the Supreme Court of Virginia

The Senior Citizens Handbook is a reference for seniors, their own families, and their caregivers to present a synopsis of and email address for possibilities and alternatives dealing with elderly people today, with a listing of just how particular rules affect Virginia’s elder residents and advice that is practical problems such as for example Medicaid, Alzheimer’s infection, landlord-tenant relations, and more.

Addititionally there is a list that is extensive of organizations that detail the many solutions offered to seniors.

Revised March 2013


Financial Assistance

Personal Safety

  • Introduction
  • Social protection along with your your your your retirement plans
  • How can you be eligible for a your your retirement advantages?
  • Just how much will your retirement advantage be?
  • Complete retirement age
  • Age to get complete Social safety advantages
  • Early your your retirement
  • Delayed retirement
  • Determining when you should retire
  • Pension advantages for widows and widowers
  • Advantages for household members4
  • Spouse’s Advantages
  • Optimum household advantages
  • Social Safety Advantages and Breakup
  • How will you subscribe to Social protection?
  • Directly to impress
  • If you work and obtain advantages in the time that is same
  • A particular month-to-month guideline
  • Your benefits might be taxable
  • Retirement benefits from work perhaps maybe not included in Social safety
  • Making america
  • Supplemental Protection Money
  • Eligibility
  • Income
  • 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
  • Just how to Apply for help and Attendance
  • Eligibility
  • Relationship of VA money to Social protection management (SSA) Benefits
  • Trying to get VA Advantages and Information
  • Directly 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 who’re Blind or over the age of 65 Years
  • Health Expenses
  • Purchase 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 the Elderly

Medical Care


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


  • What Exactly Is Medicare?
  • The various Components Of Medicare
  • Medicare Component A (Medical Center Insurance)
  • Medicare Component B (Health Care Insurance)
  • Medicare Role 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 illness

  • Introduction
  • Symptoms
  • Services Available
  • Healthcare Solutions
  • Sleep for the Caregiver
  • Day-to-Day Assistance for the Caregiver in your home
  • Day-to-Day Assistance Outside the house
  • Short-Term Assistance for the Caregiver
  • Long-Term Assistance
  • Resources for Families
  • Appropriate Factors for Alzheimer’s People

Long-Term Care

Nursing Homes

  • Introduction
  • Choosing the Nursing Home
  • Spending money on 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 facility that is living

Adult Care day

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

Home Care

  • Introduction
  • Organizing for Residence Care
  • Choosing a home Care Company
  • Concerns to inquire of
  • Spending money on Residence Care

Continuing Care Pension Communities

  • Introduction
  • Type A center: Extensive Arrange
  • Type B Center: Modified Arrange
  • Type C Facility: Fee-for-Service Arrange
  • CCRC Charges
  • Benefits and drawbacks
  • Residents‘ Rights therefore the Possibility of Dismissal
  • Picking a particular 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 Deposits
  • Rental Application
  • Duties regarding the Tenant
  • Duties regarding the Landlord
  • Tenant Remedies/Defenses
  • Considerations to keep in mind
  • Landlord Remedies/Eviction
  • Retaliatory Action by Landlord
  • Rental Assistance System
  • Eligibility
  • So how exactly does the System Work?
  • Virginia Low Money 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 forms of houses meet the criteria for HECM loans?
  • Exactly exactly How will be the profits associated with HECM loan compensated into the homeowner?
  • Must the profits regarding the homeowner use the HECM loan limited to particular specified things?
  • May be the home owner really 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 have to spend a charge to a loan or planner finder so that you can obtain an HECM loan?
  • Can be an HECM loan expensive?
  • If the homeowner obtain counseling before acquiring an HECM?
  • Are there internet sites or toll free phone figures from where homeowners can buy information on HECM loans or other reverse mortgage loans?

Preparation for future years

Divorce or separation as well as the Elderly property Transfers Probate and Estate management

  • Probate
  • Estate Preparing
  • Wills
  • Preparation of Your Will
  • Changing Your Will
  • Dying Without a Will
  • Wills and Term Life Insurance
  • Joint Tenancy Ownership being 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
  • 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

  • Thinking Ahead
  • Funeral Provider Customer Guidance
  • Preparing at Period of Need
  • Veterans


Protection of Protection Under The Law

When Do You Want an attorney? What are legal counsel Choosing And Dealing With An Attorney

  • Why do you will need an attorney?
  • IWhat sort of attorney do you really need? 0
  • How can a Lawyer is found by me?
  • Just how to choose the right attorney
  • Get ready for the meeting1
  • Costs
  • Fee Agreements
  • Cost Dispute Resolution System
  • Most 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 Charge Cards
  • Bad Credit Scores
  • Error in payment
  • Debt Collectors
  • Door-to-Door product product product Sales
  • Mail-Order Goods
  • Unordered Products
  • Telemarketing Product Sales
  • Unscrupulous Techniques
  • Bait and change
  • Pigeon Drop
  • Residence Repairs
  • Wellness Quackery
  • Customer Treatments
  • Matches in General District Courts


  • Age Discrimination
  • Discrimination According To Disability

Grandparent Rights

  • Grandparent Rights to Visitation and Custody
  • A payday loans New York 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’s Elder Abuse?
  • Indications of Elder Abuse
  • Preventing Abuse
  • Reporting Abuse

Alternative 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 Instances

Helpful Associates

  • Agencies on Aging
  • 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
  • Nursing Facilities, Adult Homes & Care day
  • Railroad Pension Act Benefits
  • Social Solutions
  • Social Safety Administration2
  • Veterans’ Affairs
  • Victims of Crime Payment

Updated: Apr 04, 2018

All Divisions: (804) 775-0500

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