Fees for elderly care

Size: px
Start display at page:

Download "Fees for elderly care"

Transcription

1 2017 Fees for elderly care If you are 65 years old or older and a resident of the City of Stockholm with a personal security alarm, home care services, day care activities, short-term care or living in a assisted living or in a nursing home.

2 Production: Blomquist. Photo: Liselotte van der Meijs. Printing: Edita Bobergs. December Art.nr

3 The City of Stockholm charges a fee for service, nursing and assisted living within elderly care. These fees are governed by the Swedish Social Services Act and are based on the price base amount 1. This brochure contains information on the City of Stockholm's fees. What affects the fee you pay? Just what fee you will pay is based on your income, your housing costs and what kind of assistance you are granted. In order to calculate your fee, the City of Stockholm needs information about your income. The City of Stockholm receives information about income paid by the Swedish Pension Authority from Försäkringskassan (the Swedish Social Insurance Agency) and information about capital gains from Skatteverket (the Swedish Tax Agency). If you have other income, you must disclose this yourself on a form you can get from your assistance officer or Äldre direkt (Elderly direct). You will never have to pay more than the maximum fee for the assistance you are granted. However, you may pay a lower fee, depending on your income, housing costs and certain other costs. The maximum fee for each fee group is shown in the table on page 9. You may also choose not to disclose income data and instead pay the maximum fee in the fee group corresponding to the assistance you have been granted. Your income Income includes all types of pensions and any income from employment, business, annuities and capital gains. Some tax-free allowances and grants also count as income. These include housing supplements for seniors, special housing supplement and elderly care support. Private wealth does not count as income. If you live with your spouse, your income will be calculated as half of your total income. If you are living with a partner, your income will be calculated separately. 1 The price base amount is set by the government and is adjusted every year. The amounts shown in this brochure are calculated using the current price base amount for 2017 (SEK 44,800). 3

4 Your housing costs Your housing costs consist of rent or a monthly fee if you live in an apartment. A certain portion of the interest for your home loan counts as housing cost. Any costs for heating your home and for hot water in addition to the rent or fee may be included, but not the cost of household electricity. If you live in your own house, you can include in your housing costs a certain portion of your interest expense, site-lease rent and property tax. Heating and operating costs are calculated using the Swedish Pension Agency's standard amounts. Housing costs are divided by the number of adults who make up the household. Minimum amount, individual supplements and deductions The minimum amount is a statutory amount that is intended to cover the normal costs of personal needs, on Konsumentverket s (the Swedish Consumer Agency's) estimates of reasonable living costs. The minimum amount for a single person is SEK 5,057 per month. For cohabiting spouses and partners, the minimum amount is SEK 4,273 each per month. If your costs exceed the normal costs for those items that the minimum amount is intended to cover, or if you have additional permanent increased living expenses of at least SEK 200 per expense and month, you may obtain an individual supplement. An individual supplement increases your minimum amount and may, therefore, affect your fee. If you live permanently in a nursing home, certain consumer items are included, and so an individual deduction of SEK 299 is made from the minimum amount. Withheld amount and fee coverage A certain part of your income will be withheld until the fee has been established. This is called the withheld amount and is the total of the minimum amount and your housing costs. 4

5 The withheld amount is deducted from your combined income after tax and the total is called the fee coverage. It is the fee coverage that determines what fee you will pay for the assistance you are granted. If there is no fee coverage, no fee will be charged. If you are receiving more than one type of assistance, for example home care services and day care activities which each belong to different fee groups, the fee for all of the assistance you receive will be calculated based on the highest of these groups. Common fee for certain home care services Cohabiting spouses and partners pay one common fee for home care services that benefit both in their joint household. Double housing costs If you move to a nursing home or assisted living and do not manage to dispose of your former home, you may include both housing costs in the basis for calculating your fee. You may also apply for reduced rent for a nursing home or assisted living for a disposal period of up to three months if you wholly or partially lack sufficient financial capacity to meet double housing costs yourself. In both of these cases, you must be able to prove that you intend to dispose of your former home. Fee decision If you are to receive assistance that is subject to a fee, you will receive an individual fee decision. You may appeal your fee decision. Contact your district administration if you are not satisfied with your fee decision. If the assistance you are granted change, this may affect your fee. You are obliged to inform the City of Stockholm if your income or your housing costs change, as this also may affect your fee. Calculate your preliminary fee You can calculate your preliminary fee on the City of Stockholm homepage. This service can be reached at stockholm.se/avgifteraldreomsorgen 5

6 Fees for home care services Here you can read about the current fees for home care services, a personal security alarm, day care activities and short-term care for people living in an apartment, house or shelter residence/assisted living apartment. Personal security alarm The fee for a personal security alarm is SEK 119 per month and household. Home care services The size of the home care services fee depends on your income and how much help you receive. The fee table on page 9 shows the maximum fee for each fee group. Assisted living The basic fee for assisted living apartments is SEK 119 per month and household. This cost includes the personal security alarm included in the apartment. If you receive home care services, the basic fee is included in the home care services fee. Fee for food The fee for food in so-called 'floor dining rooms' in assisted living is a maximum of SEK 2,737 per month. The fee in assisted living for full nutrition (tube feeding) is SEK 2,737 per month, half nutrition SEK 684 per month and food supplements (nutritional drinks) SEK 274 per month. Day care activities The size of the fee depends on your income and how many days per month you take part in day care activities. In addition to the fee for day care activities, you pay for the meals you have during the day care activities. The fee for food at day care activities is SEK 49 per day. 6

7 Short-term care Short-term care is for people who, for various reasons, need temporary nursing and care in a nursing home. The maximum fee for nursing and care around the clock for short-term care is SEK 1,792 per month. If you do not remain in short-term care for a whole month, the fee will be reduced based on the number of days the care actually lasted. The fee for food in short-term care is a maximum of SEK 90 per day. Hourly fee The hourly fee is SEK 206 per hour and will be charged if your fee decision includes home care services assistance up to a maximum of 2 hours per month, if this is more advantageous for you. Spouses and partners Cohabiting spouses and partners pay one common fee for home care services that benefit both in their joint household, for example cleaning, laundry and shopping. Free assistance Respite care at home for up to 16 hours per month for any person caring for a relative. A fee is charged for respite care in excess of 16 hours per month. A companion for specific purposes that are not included in the regular home care services. This primarily relates to social or cultural activities. Housing support for people with mental disabilities. Participation in activities at open meeting places and meeting points for elderly people or people with mental disabilities. Fees lower than SEK 50 per month will not be charged. 7

8 Nursing home fees Here you can read about the current fees for people living in a nursing home. 24 Nursing home The maximum fee for the care and support offered round the clock in a nursing home is SEK 1,792 per month. Your individual fee is calculated on your income. For more information, see page 3. Rent If you live in a nursing home, you pay rent for your room or apartment. The rent varies depending on the utility value of the residence. You are entitled to apply for a housing supplement for seniors (BTP) from the Swedish Pension Authority. Your rent may affect your care fee. Fee for food The maximum fee for food is SEK 2,737 per month. Free assistance Fees lower than SEK 50 per month will not be charged. If you have a disability If you have a permanent disability and are covered by LSS (the Act concerning Support and Service for Persons with Certain Functional Impairments), you do not have to pay for nursing and care support. However, you must pay rent for your residence and a fee for food. Double housing costs Read more about double housing costs on page 5. 8

9 Fees 2017 Fee group Scope of assistance granted Only a personal security alarm or basic facilities in assisted living hours of home care services and/or respite care hours per month hours of home care services and/or respite care hours per month and/or day care activities 1 2 days per week hours of home care services and/or respite care hours per month and/or day care activities 3 4 days per week hours of home care services and/or respite care hours per month and/or day care activities 5 days per week hours of home care services and/or respite care 57 hours or more per month and/or day care activities 6 7 days per week More than 56 hours of home care services per month. Short-term care and nursing home with round-theclock care Max. fee SEK per month ,001 1,381 1,568 1,792 9

10 10

11

12 Äldre direkt (information line) If you have any questions regarding fees or elderly care, please contact Äldre direkt. Telephone: +46 (0) Elderly Care Administration

Elderly care for people living in the City of Stockholm

Elderly care for people living in the City of Stockholm Äldre Direkt (Elderly Direct) Telephone: 08-80 65 65. E-mail address: aldredirekt.service@stockholm.se Elderly care for people living in the City of Stockholm Stockholms Trygghetsjour (Response Service)

More information

DEFINED CONTRIBUTION OCCUPATIONAL PENSION, ITP 1 Your occupational pension with Alecta

DEFINED CONTRIBUTION OCCUPATIONAL PENSION, ITP 1 Your occupational pension with Alecta DEFINED CONTRIBUTION OCCUPATIONAL PENSION, ITP 1 Your occupational pension with Alecta The information in this brochure is intended for people who have a defined contribution occupational pension plan

More information

A Path To Understanding Disability Benefits

A Path To Understanding Disability Benefits A Path To Understanding Disability Benefits A division of: MSRS Disability General Employees Retirement Plan Total and Permanent Disability This plan offers you total and permanent disability coverage.

More information

What is Home Care? Printed in USA Arcadia Home Care & Staffing www.arcadiahomecare.com

What is Home Care? Printed in USA Arcadia Home Care & Staffing www.arcadiahomecare.com Printed in USA Arcadia Home Care & Staffing www.arcadiahomecare.com Home Care: What does it mean to you? For some people it may mean having only occasional help with the laundry, grocery shopping, or simple

More information

Your occupational pension plan with Alecta

Your occupational pension plan with Alecta defined benefit occupational pension, itp 2 Your occupational pension plan with Alecta The information in this brochure is intended for people who have a defined benefit occupational pension with Alecta.

More information

Home Health Care in Florida

Home Health Care in Florida Consumer Awareness Brochure Home Health Care in Florida The Florida Agency for Health Care Administration (AHCA) is designated as the chief health policy and planning entity for the state and licenses

More information

Payment levels: See Table 1.

Payment levels: See Table 1. Colorado Colorado Administration: State Department of Human Services; Aging and Adult Services; Adult Financial Services. Administration: State Department of Human Services; Aging and Adult Services; Adult

More information

2014 No. 2672 SOCIAL CARE, ENGLAND. The Care and Support (Charging and Assessment of Resources) Regulations 2014

2014 No. 2672 SOCIAL CARE, ENGLAND. The Care and Support (Charging and Assessment of Resources) Regulations 2014 S T A T U T O R Y I N S T R U M E N T S 2014 No. 2672 SOCIAL CARE, ENGLAND The Care and Support (Charging and Assessment of Resources) Regulations 2014 Made - - - - 22nd October 2014 Laid before Parliament

More information

Social Security and Other Benefit Programs

Social Security and Other Benefit Programs Social Security and Other Benefit Programs Chapter There are several benefits programs available to people over certain ages, their spouses, and their dependents. This chapter will discuss eligibility

More information

Employment and Income Assistance for Persons with Disabilities 2015-2016

Employment and Income Assistance for Persons with Disabilities 2015-2016 Employment and Income Assistance for Persons with Disabilities 2015-2016 INTRODUCTION The Employment and Income Assistance Program (EIA) provides financial help to Manitobans who have no other way to support

More information

Higher Education studies in Sweden

Higher Education studies in Sweden Higher Education studies in Sweden HIGHER EDUCATION STUDIES IN SWEDEN Published by Swedish Council for Higher Education 2014, Hylte tryck PHOTO: Erik Lundback (cover, p. 5, 6, 11, 13) Eva Dalin (p. 8-9,

More information

Priory View Independent Living

Priory View Independent Living Priory View Independent Living lifestyles Priory View is our first exciting Independent Living development for older people who want to retain their independence for as long as possible. Priory View offers

More information

LPL Insurance associates. Guide to Long-Term Care Insurance

LPL Insurance associates. Guide to Long-Term Care Insurance Guide to Long-Term Care Insurance Long-term care insurance can be confusing, no matter who you are, especially if you don t know who to turn to for expert advice. The decision to purchase long-term care

More information

Charges for Care Homes

Charges for Care Homes Charges for Care Homes This information explains how Kirklees Council Adult Services work out charges for care homes for older people and the circumstances in which a third party payment may be charged.

More information

What types of benefits are available in a long term care policy or certificate?

What types of benefits are available in a long term care policy or certificate? What is long term care? Long term care encompasses a wide range of medical, personal and social services. People may need this care if they suffer from prolonged illness, disability or cognitive impairment.

More information

Your occupational pension with Alecta

Your occupational pension with Alecta 1311:01 2011.04 Illustration Agnes Miski Török Foto Björn Keller Produktion Alecta d e f i n e d b e n e f i t p e n s i o n, i t p 2 Your occupational pension with Alecta The information in this brochure

More information

defined contribution occupational pension, itp 1 Your occupational pension with Alecta

defined contribution occupational pension, itp 1 Your occupational pension with Alecta defined contribution occupational pension, itp 1 Your occupational pension with Alecta The information in this brochure is intended for people who have a defined contribution occupational pension plan

More information

Summary of 2016 Survey Findings

Summary of 2016 Survey Findings Summary of 2016 Survey Findings Over the past 13 years, Genworth has uncovered several trends across the long term care services landscape. Not surprisingly, the cost of all types of care has steadily

More information

MEDICAID BUY-IN for Workers with Disabilities

MEDICAID BUY-IN for Workers with Disabilities MEDICAID BUY-IN for Workers with Disabilities April 15, 2014 1 Medicaid Buy-In for Workers with Disabilities Medicaid Buy-In Affordable health care coverage for people with disabilities who work and earn

More information

A QUICK AND EASY GUIDE TO SSI AND SSDI

A QUICK AND EASY GUIDE TO SSI AND SSDI A QUICK AND EASY GUIDE TO SSI AND SSDI Independent Living Resource Center San Francisco 649 Mission Street, 3rd Floor San Francisco, CA 94105-4128 (415) 543-6222 (415) 543-6318 Fax (415) 543-6698 TTY only

More information

Probate and Estate Planning Section State Bar of Michigan. Planning for Medicaid Qualification

Probate and Estate Planning Section State Bar of Michigan. Planning for Medicaid Qualification Probate and Estate Planning Section State Bar of Michigan Planning for Medicaid Qualification Notes 2 Planning For Medicaid Qualification Table of Contents Background..........................................

More information

The long-term care rider from Nationwide

The long-term care rider from Nationwide The long-term care rider from Nationwide Adding long-term care coverage to a permanent life insurance policy can help your clients prepare for potential long-term care (LTC) expenses that could impact

More information

Aarhus University. Ph.d. scholarship studying abroad. Autumn 2014 SKAT, Virksomhedsvejledning, Aarhus

Aarhus University. Ph.d. scholarship studying abroad. Autumn 2014 SKAT, Virksomhedsvejledning, Aarhus Aarhus University Ph.d. scholarship studying abroad Autumn 2014 SKAT, Virksomhedsvejledning, Aarhus Programme - topics Tax liability Agreements to avoid double taxation Grants Deductions/allowances Additional

More information

Live-in Caregiver Employer/Employee contract

Live-in Caregiver Employer/Employee contract Live-in Caregiver Employer/Employee contract All information and clauses set out in this employment contract template must be addressed in all Live-in Caregiver Employer/Employee contracts to enable HRSDC/CIC

More information

Insured through your work

Insured through your work Insured through your work The information is applicable to staff employed by municipalities, county councils, regions, the Church of Sweden, etc. English/Engelska 2009 You are insured through your employment!

More information

FOOD STAMPS BASICS (Supplemental Nutrition Assistance Program [SNAP])

FOOD STAMPS BASICS (Supplemental Nutrition Assistance Program [SNAP]) FOOD STAMPS BASICS (Supplemental Nutrition Assistance Program [SNAP]) What are food stamps/supplemental Nutrition Assistance Program (SNAP)? The food stamp program is a government program that can help

More information

SOCIAL SECURITY BENEFIT RATES. Common rules capital limits. Common rules deductions

SOCIAL SECURITY BENEFIT RATES. Common rules capital limits. Common rules deductions SOCIAL SECURITY BENEFIT RATES APRIL 2016 (All weekly rates unless otherwise stated) T = taxable benefits M = means tested, i.e. the level of income/capital will determine benefits. Common rules capital

More information

QUESTIONS AND ANSWERS ON THE COPES PROGRAM

QUESTIONS AND ANSWERS ON THE COPES PROGRAM QUESTIONS AND ANSWERS ON THE COPES PROGRAM COLUMBIA LEGAL SERVICES JULY 2016 THIS PAMPHLET IS ACCURATE AS OF ITS DATE OF REVISION. THE RULES CHANGE FREQUENTLY. 1. What is COPES? COPES is a Home and Community

More information

Local Resource Guide for Caregivers

Local Resource Guide for Caregivers Local Resource Guide for Caregivers A Resource for Community Services and Assistance for Caregivers Template provided by The National Alliance for Caregiving through a grant from The Equitable Foundation

More information

Employment Contract Template LIVE-IN CAREGIVER EMPLOYER/EMPLOYEE CONTRACT

Employment Contract Template LIVE-IN CAREGIVER EMPLOYER/EMPLOYEE CONTRACT Service Canada Employment Contract Template LIVE-IN CAREGIVER EMPLOYER/EMPLOYEE CONTRACT All information and clauses set out in this employment contract template must be addressed in all Live-in Caregiver

More information

Information from Försäkringskassan 01.01.2016

Information from Försäkringskassan 01.01.2016 Information from Försäkringskassan 01.01.2016 You can receive activity compensation if you are aged between 19 and 29 and your work capacity is reduced due to illness or another reduction of your physical

More information

Statement of formulas for calculating amounts to be withheld

Statement of formulas for calculating amounts to be withheld Schedule Pay as you go (PAYG) withholding NAT 00 Statement of formulas for calculating amounts to be withheld For payments made on or after July 0 This document is a withholding schedule made by the Commissioner

More information

The long-term care rider from Nationwide

The long-term care rider from Nationwide FOR BROKER/DEALER USE ONLY NOT FOR USE WITH THE PUBLIC The long-term care rider from Nationwide Don t be fooled not all long-term care (LTC) coverage is the same. In fact, some policies and riders can

More information

Alaska. State Supplementation. State Assistance for Special Needs. Medicaid. Alaska. Mandatory State Supplementation No recipients.

Alaska. State Supplementation. State Assistance for Special Needs. Medicaid. Alaska. Mandatory State Supplementation No recipients. Alaska State Supplementation Mandatory State Supplementation No recipients. Optional State Supplementation Administration: Department of Health and Social Services, Division of Public Assistance. Effective

More information

PENSIONS AT A GLANCE 2011: RETIREMENT-INCOME SYSTEMS IN OECD COUNTRIES SWEDEN

PENSIONS AT A GLANCE 2011: RETIREMENT-INCOME SYSTEMS IN OECD COUNTRIES SWEDEN PENSIONS AT A GLANCE 2011: RETIREMENT-INCOME SYSTEMS IN OECD COUNTRIES Online Country Profiles, including personal income tax and social security contributions SWEDEN Sweden: pension system in 2008 The

More information

Nova Scotia Department of Health and Wellness. Continuing Care Branch. Self-managed Support-Care Services POLICY

Nova Scotia Department of Health and Wellness. Continuing Care Branch. Self-managed Support-Care Services POLICY Nova Scotia Department of Health and Wellness Continuing Care Branch Self-managed Support-Care Services hereinafter and commonly referred to as Self-Managed Care POLICY February 4, 2013 Section: 1.0 INTRODUCTION

More information

Portugal. Qualifying conditions. Benefit calculation. Earnings-related. Key indicators. Portugal: Pension system in 2012

Portugal. Qualifying conditions. Benefit calculation. Earnings-related. Key indicators. Portugal: Pension system in 2012 Portugal Portugal: Pension system in 212 Portugal has an earnings-related public pension scheme with a means-tested safety net. Key indicators Portugal OECD Average worker earnings (AW) EUR 15 7 32 4 USD

More information

Summary of Benefits. VidantHealth.com VIDANT HOME HEALTH & HOSPICE VIDANT WELLNESS

Summary of Benefits. VidantHealth.com VIDANT HOME HEALTH & HOSPICE VIDANT WELLNESS Summary of Benefits VidantHealth.com VIDANT HOME HEALTH & HOSPICE VIDANT WELLNESS Summary of Benefits This brochure is a brief summary of current benefits. It contains information about who is eligible,

More information

SECTION 434 ASSISTED LIVING FACILITIES

SECTION 434 ASSISTED LIVING FACILITIES SECTION 434 ASSISTED LIVING FACILITIES 434.1 Scope. Assisted living facilities shall comply with the following design and construction standards as described herein. Note: Other administrative and programmatic

More information

Thrift Savings Plan (TSP)

Thrift Savings Plan (TSP) (TSP) TSP Contributions Catch-up Contributions Outstanding Loans Withdrawal Options TSP Publications Spouses Rights 2006, J.P.McGehrin & Associates, Inc.. All rights reserved. No part of this publication

More information

EMPLOYEE BENEFITS SUMMARY

EMPLOYEE BENEFITS SUMMARY NONAPPROPRIATED FUNDS EMPLOYEE BENEFITS SUMMARY Your Employer of Choice www.usmc-mccs.org MEDICAL & DENTAL BENEFITS Benefits are available to employees immediately upon hire in an eligible position, No

More information

WORKERS COMPENSATION CASE EVALUATION & SETTLEMENT VALUATION REQUEST & WORKSHEET

WORKERS COMPENSATION CASE EVALUATION & SETTLEMENT VALUATION REQUEST & WORKSHEET WORKERS COMPENSATION CASE EVALUATION & SETTLEMENT VALUATION REQUEST & WORKSHEET Note: This worksheet requests important information necessary in order to provide an opinion as to the settlement value range

More information

Supplemental Security Income (SSI)

Supplemental Security Income (SSI) Helping Older Persons With Legal & Long-Term Care Problems Supplemental Security Income (SSI) 1. Who Is Eligible For SSI? You must apply and submit a signed application, be 65 or older, blind or disabled

More information

Financial Foundations Customer guide. Life cover Critical illness cover Permanent disability cover Elderly care cover Income protection cover

Financial Foundations Customer guide. Life cover Critical illness cover Permanent disability cover Elderly care cover Income protection cover Financial Foundations Customer guide Life cover Critical illness cover Permanent disability cover Elderly care cover Income protection cover Introducing Financial Foundations At Lincoln we are in the business

More information

212.3 Allowable Deductions for Households with Aged/Disabled Members

212.3 Allowable Deductions for Households with Aged/Disabled Members 212.1 Purpose DEDUCTIONS Section 212 Page 1 This section describes the allowable Food Supplement Program (FSP) deductions. 212.2 General Information Only certain deductions are allowed when determining

More information

Fairer Contributions Policy

Fairer Contributions Policy Appendix 6 Fairer Contributions Policy July 2011 Adult and Community Services Fairer Contributions Policy 1. Introduction 1.1 The Fairer Contributions Policy is designed to ensure that people pay a fair

More information

Metropolitan Edison Company Bargaining Unit Retirement Plan

Metropolitan Edison Company Bargaining Unit Retirement Plan Metropolitan Edison Company Bargaining Unit Retirement Plan January 2007 Metropolitan Edison Company Bargaining Unit Retirement Plan This Summary Plan Description is created for the use of eligible participants

More information

Universal Credit. In this factsheet you can find out what benefits are being replaced by UC, who can get it and how much you could get.

Universal Credit. In this factsheet you can find out what benefits are being replaced by UC, who can get it and how much you could get. Universal Credit Universal Credit (UC) is a new benefit for people of working age. You can get it if you have a low income or do not work. Some people started getting it in April 2013. In this factsheet

More information

Understanding social security Version 5.0

Understanding social security Version 5.0 Understanding social security Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to social security.

More information

Application for Subsidized Housing

Application for Subsidized Housing Peel Region Upon completion, please return to: Peel Access to Housing Region of Peel - Human Services Large print applications are available upon request Disponible en français Application for Subsidized

More information

QUESTIONS AND ANSWERS ON MEDICAL ASSISTANCE FOR NURSING HOME CARE

QUESTIONS AND ANSWERS ON MEDICAL ASSISTANCE FOR NURSING HOME CARE QUESTIONS AND ANSWERS ON MEDICAL ASSISTANCE FOR NURSING HOME CARE Prepared by: Long Term Care Assistance Project, Maryland Legal Aid Updated January 2015 Medical Assistance is a government-funded program

More information

DEFERRED PAYMENT AGREEMENT. Information Pack for our service users and their families or representatives

DEFERRED PAYMENT AGREEMENT. Information Pack for our service users and their families or representatives 12 WEEK PROPERTY DISREGARD PERIOD AND THE DEFERRED PAYMENT AGREEMENT Information Pack for our service users and their families or representatives What is the 12 week Property Disregard Period? The Council

More information

Personal income tax organizer

Personal income tax organizer 2015 Personal income tax organizer Your Personal tax organizer includes a personal income tax checklist and tracking schedules. It is designed to make it easier to compile information for your tax preparer.

More information

Glasgow City Council. Housing Benefit and Council Tax Reduction Application Information

Glasgow City Council. Housing Benefit and Council Tax Reduction Application Information Glasgow City Council Housing Benefit and Council Tax Reduction Application Information Section 1 Personal Details To help us process your application and allow us to contact you if we need more information,

More information

Questions & Answers on Medical Assistance for Nursing Home Care In Maryland

Questions & Answers on Medical Assistance for Nursing Home Care In Maryland Questions & Answers on Medical Assistance for Nursing Home Care In Maryland 1. What is Medical Assistance? Will the Nursing Home or the State take my house? Will we have to use my spouse s income to pay

More information

Alien Tax Home Representation Form

Alien Tax Home Representation Form Alien Tax Home Representation Form I have reviewed the attached tax home information for aliens and/or have consulted with my tax advisor and make the following good faith representation (please check

More information

Guide to Calculating your Income Tax Liability for 2001 - Additional Notes -

Guide to Calculating your Income Tax Liability for 2001 - Additional Notes - Guide to Calculating your Income Tax Liability for 2001 - Additional Notes - The purpose of these additional notes is to help you compute some of the more difficult calculations that you will need to do

More information

Financial Benefits for Seniors (9/10/10)

Financial Benefits for Seniors (9/10/10) Financial Benefits for Seniors (9/10/10) Prepared by Broome County Office for Aging Programs are available to seniors that can save you money or increase your income. Eligibility requirements may apply

More information

As a guide, the following are examples of some of the expenses we can allow:

As a guide, the following are examples of some of the expenses we can allow: How do I know if I m self-employed? A person is self-employed if they are gainfully employed but are not under a contract of service with an employer. You may be a sole trader or in a business partnership.

More information

WORKPLACE INJURY INSURANCE: Worker s Handbook

WORKPLACE INJURY INSURANCE: Worker s Handbook WORKPLACE INJURY INSURANCE: Worker s Handbook A GUIDE TO YOUR WORKERS COMPENSATION INSURANCE The following information is provided as a basic guide to your Workers Compensation Insurance. For more complete

More information

Studying. Financial support for students and military conscripts

Studying. Financial support for students and military conscripts Studying Financial support for students and military conscripts Contents Studying 1 Kela s benefits for students 2 Financial aid for secondary school and vocational students 3 Financial aid for higher

More information

Understanding Patient Liability

Understanding Patient Liability Understanding A Monthly Payment for Long-Term Care Services ohio medicaid Ohio Medicaid pays for a large portion of long-term care services for certain Ohioans living in nursing homes or other long-term

More information

List of codes for registering a-melding directly in Altinn

List of codes for registering a-melding directly in Altinn List of codes for registering a-melding directly in Altinn Contents 110-A Free board and lodging... 5 111-A Pay, fees, etc.... 6 112-A Payments in kind subject to withholding tax... 7 113-A Pay and other

More information

Using Life Insurance for Pension Maximization

Using Life Insurance for Pension Maximization Using Life Insurance for Pension Maximization Help Your Clients Capitalize On Their Pension Plans Marketing Guide HELP YOUR CLIENTS OBTAIN FINANCIAL PROTECTION AND MAXIMIZE THEIR PENSION Pension maximization

More information

2013 No. 2356 PUBLIC SERVICE PENSIONS, ENGLAND AND WALES. The Local Government Pension Scheme Regulations 2013

2013 No. 2356 PUBLIC SERVICE PENSIONS, ENGLAND AND WALES. The Local Government Pension Scheme Regulations 2013 S T A T U T O R Y I N S T R U M E N T S 2013 No. 2356 PUBLIC SERVICE PENSIONS, ENGLAND AND WALES The Local Government Pension Scheme Regulations 2013 Made - - - - 12th September 2013 Laid before Parliament

More information

Aging & Disability Resource Centers of Wisconsin Considering a Move? The Cost Calculator Can Help

Aging & Disability Resource Centers of Wisconsin Considering a Move? The Cost Calculator Can Help Aging & Disability Resource Centers of Wisconsin Considering a Move? The Cost Calculator Can Help Content Introduction... 2 Helpful Services... 3 Long Form... 5 Short Form... 7 My Choice... 9 Next Steps...

More information

An Introduction to Long-Term Care Insurance

An Introduction to Long-Term Care Insurance Manning & Napier Advisors, LLC An Introduction to Long-Term Care Insurance August 2011 Approved CAG-CM PUB026-R (10/11) Long-Term Care As people approach retirement, their insurance needs often change.

More information

ON THE SOCIAL ASSISTANCE SCHEME IN KOSOVO

ON THE SOCIAL ASSISTANCE SCHEME IN KOSOVO 1 UNITED NATIONS United Nations Interim Administration Mission in Kosovo UNMIK NATIONS UNIES Mission d Administration Intérimaire des Nations Unies au Kosovo PROVISIONAL INSTITUTIONS OF SELF GOVERNMENT

More information

Presentation on Consultative Programme for Development of Policy & Legal Regime for Employment Injury & Occupational Disease Benefits

Presentation on Consultative Programme for Development of Policy & Legal Regime for Employment Injury & Occupational Disease Benefits Presentation on Consultative Programme for Development of Policy & Legal Regime for Employment Injury & Occupational Disease Benefits Objectives of Presentation Identify legal principles & international

More information

Medicaid Spousal Impoverishment Protection

Medicaid Spousal Impoverishment Protection Medicaid Spousal Impoverishment Protection Part 7 Background Spousal impoverishment allows the Community Spouse of an institutionalized person to retain income and assets that are above the regular Medicaid

More information

Employment and Income Assistance for Single Parents 2015-2016

Employment and Income Assistance for Single Parents 2015-2016 Employment and Income Assistance for Single Parents 2015-2016 INTRODUCTION The Employment and Income Assistance Program (EIA) provides financial help to Manitobans who have no other way to support themselves

More information

Social Security 44th Edition

Social Security 44th Edition Guide to 2016 Social Security 44th Edition A simple explanation with easy-reference benefit tables. Click this button to place your order. 2016 Guide to Social Security Mercer 400 West Market Street, Suite

More information

How to Use the HealthSource RI Income Calculator. Introduction. Important notes:

How to Use the HealthSource RI Income Calculator. Introduction. Important notes: Introduction HealthSource RI offers an income calculator to help you estimate your income. It s important that you calculate this number correctly because it is used to determine whether you qualify for

More information

Occupational group life insurance (TGL)

Occupational group life insurance (TGL) FACTS ABOUT YOUR INSURANCE COVER 2014 Occupational group life insurance (TGL) DEATH Occupational group life insurance (TGL) is life insurance which the employer pays for. It applies to nearly all salaried

More information

Summary of Coverage. Eligibility. Enrollment Procedure

Summary of Coverage. Eligibility. Enrollment Procedure Summary of Coverage Employer: Group Policy: SOC: State of Rhode Island GP-657293 1A Issue Date: October 23, 2006 Effective Date: September 1, 2006 The benefits shown in this Summary of Coverage are available

More information

Long Term Care Insurance in Germany

Long Term Care Insurance in Germany Long Term Care Insurance in Germany 1 Long Term Care Insurance in Germany Volker Homola September 2002 fg Long Term Care Insurance in Germany 2 Content Overview Insureds Premiums Benefits Life Insurance

More information

This Policy is intended to be a qualified long-term care insurance contract under section 7702B(b) of the Internal Revenue Code.

This Policy is intended to be a qualified long-term care insurance contract under section 7702B(b) of the Internal Revenue Code. Administrative Offices: 165 Court Street Rochester, NY 14647 1-800-544-0327 GROUP LONG-TERM CARE INSURANCE CERTIFICATE OUTLINE OF COVERAGE State of Tennessee Employee and Retiree Long-Term Care Insurance

More information

Application for Subsidized Housing in Toronto

Application for Subsidized Housing in Toronto Application for Subsidized Housing in Toronto Large print applications are available upon request. Disponible en français 176 Elm Street If you do not speak English or French, choose someone you trust

More information

Your Pension Benefit Payments. The Standard and Optional Forms of Payment Available to you

Your Pension Benefit Payments. The Standard and Optional Forms of Payment Available to you Your Pension Benefit Payments The Standard and Optional Forms of Payment Available to you Your Pension Benefit Payments The Standard and Optional Forms Available to You Table of Contents Your Pension Benefit

More information

provides lots of choices about your long-term care insurance

provides lots of choices about your long-term care insurance Mutual of Omaha Insurance Company Long-Term Care II provides lots of choices about your long-term care insurance Long-Term Care II allows you to choose tax-qualified or non tax-qualified coverage and tailor

More information

Protection when you need it most.

Protection when you need it most. Protection when you need it most. Consumer Guide Long-Term Care Rider Long-Term Care Rider An Accelerated Death Benefit Rider The purpose of this communication is the solicitation of insurance. Contact

More information

Social assistance: 2% of covered payroll. Government. Social insurance: None; contributes as an employer. Social assistance: Any deficit.

Social assistance: 2% of covered payroll. Government. Social insurance: None; contributes as an employer. Social assistance: Any deficit. Barbados Exchange rate: US$1.00 = 2.02 Barbadian dollars (B$). Old Age, Disability, and Survivors First law: 1937 (social assistance). Current law: 1966 (social insurance). Type of program: Social insurance

More information

You may also find the expenses area of our support centre a good source of additional information.

You may also find the expenses area of our support centre a good source of additional information. Tempo s Guide to Business Expenses You may also find the expenses area of our support centre a good source of additional information. Why should I record / claim business expenses? Your company s tax bill

More information

Life Insurance Review

Life Insurance Review Supplemental Illustration Prepared by: MetLife Agent Financial Services Representative 200 Park Ave. New York, NY 10166 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government

More information

Illinois. State Supplementation. Illinois. Mandatory Minimum Supplementation

Illinois. State Supplementation. Illinois. Mandatory Minimum Supplementation Illinois State Supplementation Mandatory Minimum Supplementation Administration: State Department of Human Services. Optional State Supplementation Administration: State Department of Human Services. Effective

More information

YEL INSURANCE ENTREPRENEUR S GUIDE 2016

YEL INSURANCE ENTREPRENEUR S GUIDE 2016 ENTREPRENEUR S GUIDE 2016 CONTENTS Whom does YEL concern? 3 Effects of company form and ownership on the obligation to insure 3 Insuring family members 4 Impact of YEL income on pension and social security

More information

ASSISTED LIVING COMMUNITY

ASSISTED LIVING COMMUNITY Guide to Choosing an ASSISTED LIVING COMMUNITY CHOICE DIGNITY INDEPENDENCE QUALITY CARE QUALITY OF LIFE RESIDENT-CENTERED SUPPORT COMMUNITY ASSISTANCE CARE PRIVACY PEACE OF MIND CHOICE DIGNITY INDEPENDENCE

More information

YOUR GUIDE TO PUBLIC BENEFITS IN

YOUR GUIDE TO PUBLIC BENEFITS IN WORKING WITH STRUGGLING RESIDENTS 50+ TO WIN BACK OPPORTUNITY INFORMATION TO HELP YOU: Increase your income Save money on prescription drugs Pay doctors bills Buy groceries Cover other basic costs YOUR

More information

WILL I HAVE TO SELL MY HOME WHEN I MOVE INTO A CARE HOME?

WILL I HAVE TO SELL MY HOME WHEN I MOVE INTO A CARE HOME? WILL I HAVE TO SELL MY HOME WHEN I MOVE INTO A CARE HOME? This leaflet is for guidance only and, accordingly, whilst every care has been taken to ensure its accuracy, it is not intended to be a complete

More information

Shopping for Medicare Supplement Insurance Vermont Consumer Handbook January 2011

Shopping for Medicare Supplement Insurance Vermont Consumer Handbook January 2011 VERMONT DEPARTMENT OF BANKING, INSURANCE, SECURITIES AND HEALTH CARE ADMINISTRATION Shopping for Medicare Supplement Insurance Vermont Consumer Handbook January 2011 OTHER FORMATS FOR THIS PUBLICATION

More information

QUESTIONS AND ANSWERS ON THE COPES PROGRAM

QUESTIONS AND ANSWERS ON THE COPES PROGRAM QUESTIONS AND ANSWERS ON THE COPES PROGRAM COLUMBIA LEGAL SERVICES OCTOBER 2015 THIS PAMPHLET IS ACCURATE AS OF ITS DATE OF REVISION. THE RULES CHANGE FREQUENTLY. 1. What is COPES? COPES is a Home and

More information

Contents. Carer s Allowance

Contents. Carer s Allowance Carer s Allowance Contents 1. What is Carer s Allowance? 3 2. Can I get Carer s Allowance if I am getting another payment from this Department? 3 3. How do I qualify? 4 4. What does full-time care and

More information

Applicant Income Guide

Applicant Income Guide Applying for Affordable Housing: Applicant Income Guide ABOUT THIS GUIDE Your income is an important part of your affordable housing application. This guide shows you how your income is calculated for

More information

The cost of long-term care

The cost of long-term care The cost of long-term care Preparing for long-term care expense Client Guide The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York 889065 They are looking forward to a

More information

GENERAL INFORMATION ON ENTITLEMENTS AND BENEFITS FOR ECHO HUMANITARIAN EXPERTS

GENERAL INFORMATION ON ENTITLEMENTS AND BENEFITS FOR ECHO HUMANITARIAN EXPERTS EUROPEAN COMMISSION DIRECTORATE-GENERAL HUMANITARIAN AID AND CIVIL PROTECTION - ECHO ECHO.C - Resources, Partnerships and Operational Support C/4 - Field Network, Transport and Logistics GENERAL INFORMATION

More information

BURNET CONSOLIDATED INDEPENDENT SCHOOL DISTRICT 403(B) RETIREMENT PLAN. SUMMARY OF 403(b) PLAN PROVISIONS

BURNET CONSOLIDATED INDEPENDENT SCHOOL DISTRICT 403(B) RETIREMENT PLAN. SUMMARY OF 403(b) PLAN PROVISIONS BURNET CONSOLIDATED INDEPENDENT SCHOOL DISTRICT 403(B) RETIREMENT PLAN SUMMARY OF 403(b) PLAN PROVISIONS Updated January 22, 2013 TABLE OF CONTENTS INTRODUCTION TO YOUR PLAN ARTICLE I PARTICIPATION IN

More information

Relocation Assistance

Relocation Assistance Harris County ~ Right of Way Division 10555 Northwest Freeway, Suite 210 Houston, Texas 77092 713-274-3722 Terry.gunn@hcpid.org Relocation Assistance CONTENTS Introduction 3 Qualification for Assistance

More information

Sweden. Qualifying conditions. Benefit calculation. Earnings-related. Key indicators. Sweden: Pension system in 2012

Sweden. Qualifying conditions. Benefit calculation. Earnings-related. Key indicators. Sweden: Pension system in 2012 Sweden Sweden: Pension system in 212 The earnings-related part is based on notional accounts and there is a small mandatory contribution to individual, defined-contribution funded pensions. There is also

More information

Florida Child Support Worksheet and Guidelines

Florida Child Support Worksheet and Guidelines Florida Child Support Worksheet and Guidelines Florida Statute (s. 61.30, F.S.) requires guidelines to be used in establishing new child support obligations or modifying child support in a Florida court.

More information