SAN LUIS OBISPO COUNTY Senior Information Guide

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increases, and an option that allows you to “step down” your coverage if your fi nancial situation changes making it impossible to pay the current premium. You may designate another person to be notifi ed if you fail to pay premiums within 30 days of the due date. In the event that you will later need to apply for Medi-Cal benefi ts, one dollar of your assets will be protected for every dollar a Partnership policy has paid out in benefi ts. You must be a California resident when you purchase a Partnership approved Long-Term Care Insurance policy, but you may use the benefi ts outside of California. When and if you would need to apply for Medicaid (Medi-Cal in California) and take advantage of the asset protection, you must be a California resident to protect your assets under this contract. Insurers are required to document the long-term care benefi ts that have been paid on your behalf and to verify the amount of assets that have been protected. A report is sent quarterly to the policyholder showing what benefi ts apply to the asset protection. When there is a couple and one spouse must go into a nursing home and the other spouse remains in the community, the community spouse may retain a certain amount of assets ($101,640 in 2007) and a certain amount of monthly income ($2,541 in 2007) without affecting the eligibility for Medi-Cal of the nursing home spouse. When the nursing home spouse has a Partnership LTCI policy, s/he may maintain additional protected 1. Do not let a stranger come into your home for any reason. 2. Do not hire any home care employee (personal care attendance, housekeeper, etc.) without a skip trace and criminal background investigation being completed, drug testing and personal and employment references checked. 3. Be wary of employing an individual who does not have ‘roots’ within the community. 4. If you are using a third-party employer to provide a personal care attendant, make sure they complete a skip trace and criminal background investigation, drug testing and reference checking on their employees and provide active supervision as part of their service. 5. Make sure the third –party employer has a process requiring approval by a designated family member and the employer before any gift is given. 6. Secure your jewelry, credit cards and statements, banking records and checkbook. 7. If an employee, yours or any third party employer, is given cash for purchases, make sure there is reconciliation process to ensure that all cask transactions are documented with receipts and there are appropriate accounting controls in place. 8. If a home care worker starts to talk about money problems or displays an inappropriate interest in your fi nancial affairs, bring this to the attention of your family or trusted advisor. If the home care worker is an employee of an agency, make sure they are made aware of your concern. 9. Do not give anyone your ATM card and PIN. 10. Do not give anyone a credit card to use and allow them to sign your name for the transactions. 11. Shred any mail that can be used to steal your identity. 12. Use direct deposit for all payments made such as Social Security, dividends, annuity payments, or pension income. Financial Matters assets equal to the qualifi ed benefi ts that have been paid by the Partnership policy. This is in addition to the assets allowed to the community spouse. Policies should be purchased to cover only the amount of assets that need to be protected. The minimum coverage is $140 per day for one year ($51,100). Two types of policies are offered by the Partnership. Nursing Home and Residential Care Facility for the Elderly policies will cover care in a nursing home or a residential care facility. The second type of policy is Comprehensive Policy which covers nursing home, residential care facility, and home care benefi ts in the policyholder’s home. Evaluating and planning for your long-term care needs is very complex and is something that each individual should take enough time to understand the many options that are available. The California Partnership for Long Term Care insurance is only one option that a person may wish to consider. If you have further questions about assessing your needs for long-term care insurance and other methods of planning for these needs, you may contact the Health Insurance Counseling and Advocacy Program (HICAP) to meet with a HICAP counselor to discuss your individual questions. This is a free service and counseling is done by trained, registered HICAP volunteer counselors in local communities throughout San Luis Obispo County. You may make an appointment by calling 800-434-0222. What Can Seniors Do To Prevent Elder Abuse? 13. Do not make donations over the telephone. Always ask for information to be sent to you before you decide to make a contribution. 14. Do not respond to a telephone solicitation to purchase anything. Do not be afraid to tell the solicitor to take your name off their list and then hang up. 15. Do not respond to a telephone call that informs you are a ‘winner’ of a prize and you need to send a processing fee for the prize to be awarded. 16. Do not purchase home repairs from an individual who just happened to be in your neighborhood and noticed that your home needed something. 17. If you home needs repairs, make sure you get multiple bids before making a decision. Do not prepay for repairs. Only pay when the work has been completed to your satisfaction. Source: Home Instead Senior Care, Santa Barbara 2007-2009 SAN LUIS OBISPO COUNTY SENIOR INFORMATION GUIDE 47
Financial Matters Directory The leading national industry organizations that can offer referrals for fi nancial planning services are: Financial Planning Association 4100 E. Mississippi Ave. Denver, CO 80246-3053 800-322-4237 Fax 303-759-0749 Certifi ed Financial Planner Board of Standards, Inc. 1670 Broadway # 600 Denver, CO 80202 303-830-7500 Fax 303-860-7383 Consumer Line- 888-487-1497 County of San Luis Obispo For Supplemental Security Income, Food Stamps, Medi-Cal Department of Social Services offi ces are located at: 3433 S. Higuera St. San Luis Obispo, CA 93401 781-1825 Fax 781-1846 9415 El Camino Real Atascadero CA 93422 461-6000 Fax 461-6036 Susan Polk Insurance 1086 E. Grand Ave Arroyo Grande, CA 93420 474-2000 Fax 474-2134 1130 Napa Ave. Morro Bay, CA 93442 772-6340 Fax 772-6547 530 12 th St Paso Robles, CA 93446 237-3110 Fax 237-3115 Consumer Credit Counseling Services 1547 Grand Ave Grover Beach, CA 93433 489-1513 Free Counseling by appointment Santa Maria and Grover Beach offi ces. For appointment: 800-540- 2227 Debtors Anonymous Support Group Information Hotline 415-522-9099 www.debtorsanonymous.org Peer group that follows the 12-step method for mutual help in recovering from compulsive indebtedness. 48 2007-2009 SAN LUIS OBISPO COUNTY SENIOR INFORMATION GUIDE HICAP Health Insurance Counseling and Advocacy Program 528 South Broadway Santa Maria, CA 93454 928-5663 800-434-0222 Fax – 925-9555 seniors@kcbx.net www.centralcoastseniors.org Social Security Administration San Luis Obispo District Offi ce 3240 S. Higuera St. San Luis Obispo, CA 93401 544-5251 800-772-1213 Fax 544-7286 Offi ce Hours: 9 am-4 pm Phone Hours: 10 am - Noon, 1-3 pm Monday through Friday www.ssa.gov Taxes/Homeowner’s & Renter’s Assistance Federal: Internal Revenue Service 2384 Professional Parkway Santa Maria, CA 93455 352-0355 800-829-3676 (tax forms) 800-829-1040 (information and problem resolution) 800-829-4059 (TTD) www.irs.gov State: Franchise Tax Board 3005 Spring St., Ste. 574 Los Angeles, CA 90013 800-852-5711 800-822-6268 (TTD) www.ftb.ca.gov For Homeowner’s and Renter’s Assistance call 800-868-4171 State Controller PO Box 942005 Sacramento, CA 94250-2005 800-952-5661 www.sco.ca.gov Veterans Service Offi ce 801 Grand Ave San Luis Obispo, CA 93401 781-5766 Fax 781-5769 www.co.slo.ca.us
Page 1 and 2: SAN LUIS OBISPO COUNTY Senior Infor
Page 3 and 4: Acknowledgments THE CENTRAL COAST C
Page 5 and 6: General Information and Support Inf
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Page 11 and 12: Emergency Services Assembly of God
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Page 17 and 18: Day Care and Respite Care for Frail
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Page 25 and 26: Education Directory Adult Public Hi
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Page 31 and 32: Employment Employment Discriminatio
Page 33 and 34: Equipment and Special Need Services
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Page 39 and 40: Financial Matters 15. Does the clie
Page 41 and 42: Financial Matters For questions reg
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Page 45: Financial Matters Qualifi ed Medica
Page 49 and 50: Food and Nutrition Directory Grocer
Page 51 and 52: Food and Nutrition Loaves and Fishe
Page 53 and 54: Health Services advocacy for facili
Page 55 and 56: Health Services 604-2926 Fax 604-29
Page 57 and 58: Health Services IV. Special Program
Page 59 and 60: Housing Options and Levels of Care
Page 65 and 66: In-Home Care Solutions 4. Are super
Page 67 and 68: In-Home Care Solutions Central Coas
Page 69 and 70: In-Home Care Solutions for eligible
Page 71 and 72: Legal Affairs Discussion of Some Le
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Page 75 and 76: Legal Affairs Directory AARP Legal
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Page 87 and 88: Transportation Avila Beach Trolley
Page 89 and 90: Transportation Greyhound Reservatio
Page 91 and 92: Index Cemeteries and Funerals 21 Ce
Page 93 and 94: Index Lumeta 16 Lymphedema Therapy
Page 95: Television Caption Decoding 34 Temp

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