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 Improvements and Structural Alterations (HISA) and 101 Mobility

101 Mobility is proud to help America’s Veterans. Under the Home Improvements and Structural Alterations (HISA), Veterans may receive “home improvements necessary for the continuation of treatment or for disability access to the home and essential lavatory and sanitary facilities.” We work with Veterans each and every day to help them improve mobility in their homes.

With 101 Mobility and the HISA, Veterans can:

• Replace all bathroom tubs with shower stalls complete with molded or pull-down seats
• Install non-skid strips or slip-resistant tiles in the shower
• Install grab bars in the shower stalls and toilet area
• Install hand-held showerhead
• Install raised toilet seats
• Install handrails on both sides of the stairs for better support
• Replace carpeting and tile flooring with non-slip/skid type flooring
• Install non-skid rubber strips on the edge of stairs to help prevent falls
• Convert kitchen cabinets into drawers to hold pots and pans for easier access
• Replace door knobs with lever handles
• Install lever-handle faucets in kitchen and bathrooms
• Consider increasing door opening sizes to as much as 36 to 42 inches
• Install a permanent or portable wheelchair ramp
• Install a stairlift or chairlift

Your local 101 Mobility location is ready to help you with need HISA improvements and alterations. All of our 101 Mobility locations are GSA Contract Holders, and have the experience and knowledge to help you achieve a completely functional and accessible home, customized for your needs.

For more information on how we can help you, 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