Where the heart is: how to pay for home modifications

By Michelle Seitzer

Aging in place (AIP) costs considerably less than assisted living care, but it’s not free.

Though funds are dwindling for many senior-related programs (Medicare, Medicaid and Social Security have all spent ample time on the chopping block lately), there are still a number of federal, state, local and private organizations that offer financial support to seniors who want to stay where the heart is.

To begin – because first you might need to sell the idea to skeptical family members, or just figure out what modifications are needed before getting the capital to do it – get to know what services and resources are offered in your home state via these helpful sites:

• Search for home repair and modification resources in your region at Eldercare.gov.
• HomeMods.org is a national information clearinghouse on all things related to home modifications. Professionals and consumers alike can peruse an extensive resource directory on the site.
• Not sure if your own home or a senior loved one’s residence is adaptable for AIP? Most are, but the WellCome Home site helps you clearly see the potential and know where to direct your energies and efforts when it’s time to transform the home.
• Download this Home Safety Checklist from Rebuilding Together, Inc. to remove fall hazards and resolve accessibility issues, many of which may be implemented without spending a dime.

Should the need arise for assistive equipment (such as power chairs or stair lifts) or home modifications (like wheelchair ramps or door-opening systems), here are a few ways to ease the burden of purchasing or installing these costly components.

Claim a deduction. Russell Glickman, a DC-based home design and remodeling expert, recommends conferring with a Certified Public Accountant (CPA) to find out whether you or a loved one is eligible to deduct the cost of home modifications on your federal income tax. You need a written recommendation from your doctor as proof that the modifications are medically necessary. Glickman also states that you can claim a deduction for the costs of operating and maintaining the modifications, whether or not the stair lift, ramp, or other equipment qualified as a medical expense. Home improvements (or capital expenses) that may be deducted per the IRS.gov are as follows:

• Constructing entrance or exit ramps for your home.
• Widening doorways at entrances or exits to your home.
• Widening or otherwise modifying hallways and interior doorways.
• Installing railings, support bars, or other modifications to bathrooms.
• Lowering or modifying kitchen cabinets and equipment.
• Moving or modifying electrical outlets and fixtures.
• Installing porch lifts and other forms of lifts (but elevators generally add value to the house).
• Modifying fire alarms, smoke detectors, and other warning systems.
• Modifying stairways.
• Adding handrails or grab bars anywhere (whether or not in bathrooms).
• Modifying hardware on doors.
• Modifying areas in front of entrance and exit doorways.
• Grading the ground to provide access to the residence.

Note: You can only itemize these deductions if the main purpose of installation is medical care for you, a spouse or dependent (modifications made for aesthetic, architectural or other personal reasons do not qualify). Permanent improvements that boost your property’s value may be partially included as a deduction; in this case, the cost of the home modification is reduced by the amount of the property value increase (whatever the difference is what your qualified medical expense to deduct will be). If the home modification does not increase your property value, you can deduct the whole cost as a medical expense.

Visit the Area Agency on Aging. Every state offers different incentives, programs, and benefits to their senior residents. The best way to learn about them all, in addition to any tax credits or federal monies available through Medicare, Medicaid (in some states, you may be able to qualify for funding via the Medicaid HCBS – home and community-based services – waiver), HUD, the VA, or the USDA that would be disbursed through the state, is at your local Area Agency on Aging. The AAA is a one-stop-shop neighborhood branch of your state’s department that handles senior care (i.e. Department of Aging, Department of Public Welfare, etc.). Go to Eldercare.gov or N4A.org to find your AAA by zip code, city or county.

Apply for grants or take advantage of state assistive technology projects to make your home wheelchair accessible. According to HomeMods.org, funding is available for this specific modification through the Department of Veteran Affairs (call 800-827-1000 or your local VA for more details) and via the United Cerebral Palsy Association (call 800-872-5827). The IRS also permits those with disabilities to claim some of these expenses as a tax deduction. Check in with the National Council on Independent Living Center (call 703-525-3406) to get local funding information and referral services.

Get a loan to add a room. If Mom is moving in and she has health needs or disabilities, you may be eligible for government funding. FannieMae offers the HomeChoice program, Home Keeper program, and the Home Equity Conversion Mortgage (get more details at eFanniemae, or visit the local office). In Texas, New Mexico, California and Illinois, residents can apply for a Home Modifications Loan for Homeowners (with fixed interest rates and low minimum loan amounts) via Bank of America, under the “Access Loans” category. For more information, call 800-843-2632 (in CA, IL) or 800-900-9000 (in TX, NM).

Contact local foundations and non-profit organizations. Some may offer financial assistance or services referrals for those providing care for someone with disabilities or diseases like Alzheimer’s, multiple sclerosis, or rheumatoid arthritis. Easter Seals and Rebuilding Together both offer low- or no-cost community-based home modification and repair programs.

Take out a second/reverse mortgage. If you have the equity, this is a good way to secure a loan for a home modification, which, if done well, should add value to the home as more people will be seeking homes where aging in place is possible. You must be over 62 to secure funding via a reverse mortgage. (Learn more about reverse mortgages here.)

Check your insurance policies. The National Association of Home Builders says that some programs (auto insurance, worker’s compensation, long term care policies, state catastrophic accident insurance plans, and medical trust funds) might cover the costs of a home modification.

Move your parents in. If you have decided it’s best for Mom and Dad to just move in with you so you can provide care more readily, Glickman says you may be able to use proceeds from the sale of their home to make an accessible suite at your residence. He adds that adult children can avail themselves of the space in the future too, as their own care needs change.

Ready to consider a home modification for a family member’s residence, or your own? 101 Mobility has a full line of products (stairlifts, auto lifts, ramps, and more) and a team of highly-trained professional installers standing by to get AIP construction underway. Learn more about our services and find the local office serving you at http://101mobility.com/locator/.

Additional Sources:

• HomeMods.org
• National Association of Home Builders 

101 Mobility Dayton Opens December 15, 2011

101 Mobility’s proudly welcomed its newest location serving Dayton, Ohio on December 15. The new franchise will serve Dayton, Cincinnati and all surrounding areas. It is owned by Ed Goschinski.  Ed is a long-time resident of the Dayton and Cincinnati markets and has years of applicable experience that should grow the franchise quickly in these markets.  The Dayton location will be the local resource for those who are disabled and those who wish to maintain their independence by improving their mobility. Whether the mobility issue is long or short term, the team at 101 will be available to offer their assistance.

101 Mobility Dayton offers a full range of mobility products including:

• Stair lifts/Chairlifts
• Auto lifts
• Ramps, both for purchase and for rent
• Vertical lifts
• Commercial and residential mobility products including lifts, patient lifts and commercial grade stair lifts.
• Bath, pool and spa lifts
• Bath safety products
• Power chairs
• Power scooters
• Automatic door opening systems

The local 101 Mobility team is also available to help Veterans through the Home Improvement & Structural Alterations grant program.

Ed  is very excited to be opening this new 101 Mobility location. “We are looking forward to being able to help people stay in their homes and maintain their independence,” he says.  “Our goal at 101 Mobility Dayton is to provide our customers with the highest quality mobility products available while also providing them with superior customer service.  We look forward to building relationships with our neighbors and helping them to maintain their independence.”

The Dayton office of 101 Mobility is located in the Carrollton area. The office will be open from 8:30 am to 5:30pm. For more information on how Ed and his team can help you with all of your mobility needs, please call 937-789-5911

101 Mobility Cincinnati Opens December 15, 2011

Proudly serving the Cincinnati, Dayton and surrounding areas, 101 Mobility’s newest location is owned by Ed Goschinski.  The Cincinnati  location’s grand opening was on December 15.  The Cincinnati  location will be the local resource for those who are disabled and those who wish to maintain their independence by improving their mobility. Whether the mobility issue is long or short term, the team at 101 will be available to offer their assistance.

101 Mobility Cincinnati offers a full range of mobility products including:

• Stair lifts/Chairlifts
• Auto lifts
• Ramps, both for purchase and for rent
• Vertical lifts
• Commercial and residential mobility products including lifts, patient lifts and commercial grade stair lifts.
• Bath, pool and spa lifts
• Bath safety products
• Power chairs
• Power scooters
• Automatic door opening systems

The local 101 Mobility team is also available to help Veterans through the Home Improvement & Structural Alterations grant program.

Ed  is very excited to be opening this new 101 Mobility location. “We are looking forward to being able to help people stay in their homes and maintain their independence,” he says.  “Our goal at 101 Mobility Cincinnati is to provide our customers with the highest quality mobility products available while also providing them with superior customer service.  We look forward to building relationships with our neighbors and helping them to maintain their independence.”

The Cincinnati office of 101 Mobility is located in the Carrollton area. The office will be open from 8:30 am to 5:30pm. For more information on how Ed and his team can help you with all of your mobility needs, please call 937-789-5911

Home Design Features that Help You to Age in Place

Whether you are moving into a new home or are making modifications to your current home, choosing the best features can seem overwhelming. When the goal is to choose design features that will help you to “age in place” with comfort, ease, and mobility, the task can seem even more challenging. For many Baby Boomers, the desire to create a home that will meet their needs far into the future is an essential one.

When designing a new home that will age with you, it is best to consider open living floor plans with main living areas all situated on one floor. With your kitchen, family room, bedrooms, bathrooms, laundry, and garage access all within easy access on the same floor, it eliminates the need for you to worry about climbing stairs. However, many people do not wish to build a new home and are looking for ways to modify their existing space. The simple addition of a stairlift can easily overcome the need to climb stairs in any home.

Increasing the natural light in your home can be a significant help to making your home more comfortable as you age. Adding skylights and larger windows helps increase natural light and does not require the homeowner to always turn on lights. If you are replacing windows, consider casement windows over double hung windows as they provide superior ventilation and are easier to open and close.

Other features within your home that make it easier to age in place include:

• The addition of wider doors, 36” wide doors are preferred.
• Opt for lever style handles on all doors.
• Roll out shelves in cabinets in the kitchen and bathrooms allow for easier access to items stored there.
• The addition of D-shaped or loop cabinet pulls.
• Tubs with doors for easy access.
• Grab bars at the toilet and in the shower or tub for stability.
• Lever style faucets in the kitchen and bathrooms.
• Toilet paper dispensers that can be changed with only one hand.
• Counter tops with rounded corners.
• Thresholds or floor level differences of no more than ½” for easy clearance by wheelchairs or power scooters.

In order to reduce maintenance on the exterior of your home, consider upgrading the exterior to low maintenance coverings such as brick, stone, stucco or vinyl siding. All of these allow you to minimize the expense and upkeep of your home.

There are many more ways to improve the functionality of your home making it easier to age in place. Many communities have contractors who specialize in building or retrofitting homes for aging in place. Find a reputable builder who will work with you to accommodate your needs and help you to bring the changes you envision to reality.

101 Mobility Opens First Franchise in Texas

New Company Fills Niche for Home Health Care Mobility Devices in seven (7) Counties, Serving a Population of five (5) Million

Houston resident Deanna Geggatt, a registered nurse and home health care administrator with more than 20 years of experience in the medical field, has taken her compassion for helping the disabled to another level by introducing 101 Mobility to the Houston area. As the first location in the state, 101 Mobility is a franchise provider and installer of affordable brands of mobility and accessibility equipment for the elderly and disabled.

While working as a home health care administrator, Geggatt discovered a void in the home mobility device market.  She found that many patients in need of home mobility devices—such as grab bars, stair lifts, modular ramps, etc.—needed a simple way to choose the right equipment and have it installed quickly and easily.  After researching the options available in the greater Houston-area, she found that consumers in need could either go to small, independent “mom and pop-type” local businesses who at times lacked practical knowledge in mobility-related equipment (because it isn’t their core focus), or they could go to large online distributors who often fail to offer installation or face-to-face-support.

“When the elderly or disabled and their families invest in expensive mobility equipment, they prefer to have local experts install and service as well as provide face-to-face support for ongoing service and repair issues,” Geggatt said.

On August 31, Geggatt, along with her husband Glen, will introduce 101 Mobility to the Houston area, serving a population of more than five million people in seven counties, including Fort Bend, Galveston, Harris, Liberty, Matagorda, Montgomery and Waller.

101 Mobility is the franchising world’s first full-service sales, service and installation provider of a complete line of mobility and accessibility products and equipment, including stair lifts, auto lifts, ramps, porch lifts, power wheelchairs, scooters and more. By working with patients to identify which home health care devices best suit each individual’s needs, 101 Mobility provides an alternative to group homes and rehabilitation centers by allowing patients to live self-sufficiently in their homes.

The combination of Geggatt’s experience in the home health care industry and Glen’s professional experience working as a contractor serves as the perfect combination for a successful full-service home mobility device business. Glen is also certified as an “Aging-In-Place-Specialist” through the National Association of Homebuilders.

“I think there’s good synergy between Glen and I where I can identify the patients at risk and recommend the right products to them; Glen then brings the technical aspect to the table by handling all the installations,” Geggatt said.

With her background, Geggatt lends her expertise in all things related to home health care mobility to the disabled and senior population throughout the Houston area.

“Our goal is to become a solution that people didn’t have before,” Geggatt said. “There’s not much awareness of what home mobility devices are available to encourage independence and serve as a practical, real alternative to moving to an assisted living facility.”

She continued, “Since we’re part of a larger franchise, we are able to offer better pricing than the small local shops, plus extra support for our customers by tapping into our franchise support network. We hope to develop a strong local business relationship with the community.”

101 Mobility plans for further expansion throughout the state of Texas and is growing rapidly across the Country as well. For more information, visit www.101mobility.com

Tips for Preventing Falls in Your Home

Because falls are one of the leading causes for injuries among aging adults, we thought we would pass along these Tips for Preventing Injuries from the American Association of Neurological Surgeons (AANS). We hope they will help you to stay safe.

 AANS Injury Prevention Tips for Inside the Home

• Buy bath mats and rugs with slip-resistant backing and secure them.
• Do not walk on slippery, freshly washed floors and avoid floor waxes.
• Install grab bars and handrails if you are frail or elderly.
• Improve the lighting in your home; dim lighting can increase the risk of falls.
• Install night lights in halls and bathrooms, and keep a flashlight near your bed.
• Store products in easy-to-reach places; use stepstools/ladders only when absolutely necessary.
• Wear proper shoes with slip-resistant soles.
• Secure loose electrical cords and put away any items that are lying around.
• Do not use recalled products – discard or take back to the store.
• Keep chairs and other furniture away from windows.
• Use safety gates and install window guards.

AANS Injury Prevention Tips for Outside the Home

• Install outdoor handrails if elderly or frail.
• Inspect and remove debris and ice from walkways, driveways, porches, and yards.
• Inspect and remove debris from lawns before mowing or gardening.
• Store outdoor equipment and tools properly.
• Make sure that ladders are stable and secure before using them.
• Do not use broken equipment or tools.
• Do not let children engage in activities inappropriate for their age.
• Supervise younger children at all times.
• Never drive while under the influence of drugs or alcohol or ride as a passenger with anybody else who is under the influence.

As a side note to these outside tips, if you are unstable on your feet please consider asking for help or hiring out your lawn care and outdoor home maintenance projects for your safety.

Preventing Falls and Staying Healthy

Among adults age 65 and older, falls are the leading cause of injury death and the most common cause of nonfatal injuries.  According to the Center for Disease Control, one in three adults age 65 and older falls each year. With so many older adults falling, fall prevent should top the list of safety and health concerns for those aging in place and their families.

What are some of the ways we can prevent falls in the home and promote mobility and independence? 

An easy way to prevent falls is to increase leg strength and balance through regular exercise. Many older adults enjoy Tai Chi because it promotes both of these concepts through a low impact exercise routine. However, simply enjoying a regular walk around your neighborhood is good exercise and a great way to stay fit. Staying active can go a long way toward preventing falls.

Be sure to ask your doctor or pharmacist to look at all the prescriptions you are taking to ensure there are no reactions between your medications.  Many medications can cause dizziness and when medications interact, dizziness can be enhanced.  If you are feeling dizzy, please take care and speak with your physician immediately.

Don’t forget the importance of regular vision checkups. Getting your eyes checked and keeping your eyeglasses up to date is an important step in keeping falls to a minimum.

Another important way to prevent falls is to install safety equipment in your home. Safety equipment from 101 Mobility helps to maintain your stability. With the help of 101 Mobility, you can install features such as chairlifts/stairlifts and bath safety products to prevent falls in the home.  Our complete line of stairlifts offers you a wide variety of options so you can choose just the right chairlift for your home. From straight line chairlifts to curved rail stairlifts, our experienced professionals can help you find the right stairlift for your home so you can be safe getting up and down the stairs each and every day.

We also offer a complete line of bath safety products. Falls in the bathroom are very common. Don’t let slipping in the bathroom become a concern for you. With the help of 101 Mobility, we can install bathtub doors, grab bars and a variety of other bath safety items for you.

Bathroom Safety Should be a Top Priority

When a loved one is disabled or aging, and wishes to maintain their independence by staying in their home, bathroom safety needs to become a top priority.  At 101 Mobility, we understand the importance of bathroom safety and have worked with hundreds of homeowners to make their bathrooms a safe place.

We offer a complete line of bath safety products to meet all of your needs.  Because most falls in the bathroom happen as people enter or exit the bathtub, we offer the Safety-Step Bath Door. This product lowers the threshold of entry into the bathtub to 9” making it easier to get into and out of the tub.  It includes a water-tight seal.  The Safety-Step Bath Door can even be installed on your existing tub for your convenience, eliminating the need for a lengthy and expensive bathroom remodel.

Grab bars are another important bath safety modification item.  Grab bars around the tub can help ease the transition in and out of the tub. It is important to note that no one should ever use towel bars to ease the transition in and out of the tub. Towel bars simply cannot support you if you slip or fall.  101 Mobility can position and install grab bars to help you get around your bathroom with ease.

Many of our clients also require transfer benches or toilet safety frames to ensure their safety in the bathroom. 101 Mobility has a wide range of products in this area to help you feel comfortable and safe in the bathroom. There is no need to worry about your safety when the team from 101 Mobility is around. We have the experience to answer your questions and provide the top quality products that will ensure your safety in the bathroom.

For more information about 101 Mobility’s complete line of bathroom safety products, please contact your local 101 Mobility location.

Veterans! Do You Qualify for a HISA Grant?

Are you a U.S. military veteran? Do you suffer from a disability due to your service? There is a lot of help out there for funding improvements to your home to assist you with your comfort and recovery.

The Home Improvements and Structural Alterations (HISA) grant can be used for any home improvement necessary for the continuation of treatment or for disability access to the home and essential lavatory and sanitary facilities. Among the improvements a HISA Grant will cover are:

• Allowing entrance or exit from veteran’s home;
• Improving access for use of essential lavatory and   sanitary facilities;
• Improving access to kitchen and bathroom counters;
• Handrails and grab rails;
• Lowered Electrical outlets and switches;
• Improving paths or driveways;
• Improving plumbing and electrical work for dialysis patients

A HISA grant is available to veterans who have received a medical determination indicating that improvements and structural alterations are necessary or appropriate for the effective and economical treatment of a disability. A veteran may receive both a HISA grant and either a Special Home Adaptation (SHA) grant (below) or a Specially Adapted Housing (SAH) grant (below).Home improvement benefits up to $4,100 are available to veterans with a service-connected disability, and up to $1,200 is available to veterans with non-service-related disabilities.To apply, the veteran must first have a prescription from a VA or a fee-basis physician. This must include:

• Specific items required;
• The diagnosis with medical justification;
• The veteran’s name, address, SSN, and phone number(s);

In addition, a list of other items regarding the exact work to be completed, costs, and site drawings must be compiled and submitted as well.101 Mobility is glad to help in this process from start to finish. We are here to make sure that you get the modifications and the equipment that you need in order to live a more comfortable and accessible life.Call us today at 1.888.236.6917 or visit us at: www.101Mobility.com and let us help get you the assistance you need without any hassle or inconvenience to you.Source: http://www.prosthetics.va.gov/docs/HISA_english.pdf