- This topic has 0 replies, 1 voice, and was last updated 7 months, 2 weeks ago by
.
-
Posts
-
Hello, Guest!
Article about best websites for senior citizens
Our guide to resources for seniors is an in-depth look at the myriad of help available for older adults. Resources for Seniors. These days, a lot of those who reach retirement age will choose to continue to work.
For various reasons, though, not all can or will do that. Thus, with the decrease in the number of pensions over the last few decades, many find themselves having to get along on Social Security and Medicare alone. As a result, a knowledge of who to turn to for possible financial or other assistance is crucial. According to the Social Security Administration, of the approximately 56 million seniors in the US, 44.5 million are receiving social security benefits as of 2019, the average monthly payment totaling $1,471.00. Regardless of what the retiree receives, their funds may be too little to cover the costs of housing, food, transportation, and healthcare, not to mention care for a beloved pet. Fortunately, between governmental assistance (federal, state and local) and non-profits, assistance may be at hand. Where to Go for Assistance. One-on-one counseling with seniors and their caregivers. Personnel also offer classes explaining what Medicare is and how to apply with added tips about detecting and reporting Medicare waste, errors and fraud. Medicare/Medicaid : The SHIP website offers advice and aid in selecting and acquiring the best health coverage for a given senior. The overall goal is to make sure the client gets the most out of their benefits. Housing : No matter what the client’s situation, whether continuing to reside in their own home or needing information about and assistance in transitioning into some form of senior housing, the website will provide not only online information but the opportunity to make an appointment to talk with a caring and knowledgeable professional, whether over the phone or face-to-face. Home and Community Based Waiver Programs : For those clients who qualify for a nursing home but wish to remain in their homes, SHIP provides information and assistance in determining if there is a suitable waiver available. If yes, SHIP personnel assist the client in the process. Nutrition : Through SHIP, discover what local sources of prepared and delivered food are available including Meals on Wheels as well as other non-profit organizations. Personal Care Services (PCS) : This refers to services like assistance with bathing, food preparation, dressing and other daily living activities for both those who require these services to be rendered to them as well as for those who retain a level of independence but need some assistance. The former is termed Agency-based Care (ABPCS) and the latter is Consumer-based Care (CBCPCS). Healthcare : Including both physical and mental. Need help finding a physician? Need financial assistance for prescription care? Have questions about what resources exist for a specific mental or physical condition? Either the website or SHIP personnel can direct the client to the best resources, following up with whatever assistance is desired. Adult Protective Services : Anyone – whether the senior, a caregiver or anyone else – who has observed senior abuse can do so, knowing that the senior in question will not be forced to do anything against their will. The sole goal is to prevent abuse from occurring. Tips on how to set up and maintain a budget . The philosophy here is that the better a person understands their financial situation, the more control they have of that situation. Refusing to become acquainted with the financial facts means one may not ask for help when it’s needed. Assistance in finding reliable tax advice , whether free or on a sliding scale. An excellent source of information on free or low-cost transportation specifically for seniors or those with disabilities. Next, we will break down housing, financial and other resources that can benefit seniors. The first category, housing, is the one that generally takes the biggest bite out of a senior’s income. Geographical location, whether one has a housemate, whether one rents or owns, the condition of the structure – these are just four of the factors that impact this expense. Housing Resources for Seniors. Federal Housing Resources. According to the US General Accountability Office, there are 23 federal housing programs geared, to varying degrees, to assist the elderly. This assistance could apply to rent reduction or to home repair or rehabilitation, making a home more senior-friendly. Among these 23, the Housing and Urban Development (HUD) offers their Multifamily 202 program and the United States Department of Agriculture (USDA) its single-family Section 504 Rural Housing Repair and Rehabilitation Grants program, each specifically concerned with aiding seniors. There are three more HUD programs that target both seniors and the disabled. Whether one lives alone or in a multifamily unit, these 23 programs offer a mix of aid in the forms of outright grants, subsidies, loans, and mortgage assistance. It is worth noting that the USGAO could have listed many other programs but chose to apply three specific standards in their selection process. To quote from their website, each listed program had to: subsidize mortgage interest rates, rent, or housing repair or rehabilitation, provide mortgage insurance, loan guarantees, or direct loans for single-family or multifamily housing, and support the construction, rehabilitation, or purchase of multifamily housing or assisted living facilities. This means that Fanny Mae, Freddie Mac, Home Loan Banks, and HUD’s Home Equity Conversion Mortgage program were among those that did not meet these criteria. The USDA also provides a voucher system through its Rural Development Section’s 515 Rural Rental Housing Program. As specified, the voucher can be applied towards a mortgage payment or to rent owed. If a rental property owner agrees, the voucher would be good for any non-subsidized property, whether rural or urban.
Senior citizens dating sites
Free senior citizen dating sites
Top 5 best dating site for senior citizens
Best websites for senior citizens
Best dating site for senior citizens
- You must be logged in to reply to this topic.