WHO WE ARE. Learn from our mistakes. 1. Senior Housing 2. Money & Legal 3. Health & Wellness 4. End of Life

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2 WHO WE ARE Learn from our mistakes. For the past 5 years we have advised families like yours who are dealing with caregiver challenges or are increasingly worried about elderly parents. Like you, we searched many different sources to find services and products. We have worked with great companies, and many not-so-great ones. We quickly discovered other guides casually included any company and often featured those with large marketing budgets. Because of our concern for quality, our goal in publishing this guide is to include Utah s best Senior Care Providers who we have worked with, have commendable feedback, and meet our certified requirements. These five points of certification are on the following page. 1 This booklet spotlights local providers, includes helpful vocabulary, and simplifies the diverse providers into the following: 1. Senior Housing 2. Money & Legal 3. Health & Wellness 4. End of Life Confusion, because of the unknown, is a normal reaction when sorting through Senior Care options. To counter this problem, we give you FREE ACCESS to a Senior Care Advisor to help you in your specific situation. Call us before your search at We often provide solutions you may not have considered. You re not alone, and we re ready to help! Sincerely, Senior Care ADVISOR

3 Points of Certification Senior Housing PAGE 04 ALL PROVIDERS in this booklet have: 1. Proper licensing 2. Insurance, and are bonded 3. A history of experience in the industry 4. Verifiable references 5. No violations, criminal offenses or unresolved complaints Assisted Living Nursing Home Short-Term Rehab. 6 Residential Care Memory Care Money & Legal PAGE 24 Medicare Medicaid VA Benefits 26 Real Estate Reverse Mortgages Social Security 44 Health & Wellness PAGE 46 Caregiver Support Dentists Hearing Aids 48 Pharmacies Vision End of Life PAGE 64 Hospice 66 Cremation 70 Funeral Homes / Burial

4 SENIOR HOUSING Assisted Living Assisted Living Residences or Assisted Living Facilities (ALFs) are housing facilities for seniors needing assistance but don t require the level of care provided by a nursing home. ALFs provide help in the monitoring of resident activities to help to ensure the health, safety, and well-being of residents. Nursing Home PAGE 6 PAGE 10 Nursing Homes or Skilled Nursing Facilities are a place of residence for people who require constant nursing care and have significant deficiencies with activities of daily living. Nursing aides and skilled nurses are usually available 24 hours a day. Memory Care PAGE 22 Memory Care is a long-term care option for patients who have been diagnosed with Alzheimer s or other memory-related impairments. Memory Care environments are designed for persons with a level of impairment that makes it unsafe for them to continue living at home. Memory care allows a person experiencing memory loss to maintain a level of independence, but relies on the safety and security of living in a facility with a trained staff. Short-Term Rehab. PAGE 14 Short-Term Rehabilitation provides crucial rehabilitation services following surgery, illness or injury. The primary goal is to get patients back on track and into their daily routines as quickly as possible. Short-term programs specialize in treating patients who have experienced cardiovascular, neurological or orthopedic disorders such as strokes, hip fractures or other debilitating medical conditions. Residential Care PAGE 18 Home Health Care and Personal Care helps seniors live independently for as long as possible given the limits of their medical condition. It covers a wide range of services and often delays the need to move into a long-term care facility. Home Health Care is most often medically oriented, whereas Personal Care includes homemaking, companionship and other non-medical assistance. 4 5

5 ASSISTED LIVING Assisted Living Facilities (ALFs) are viewed as the best of both worlds, because residents have as much independence as they want with the knowledge that personal care and support services are available. Assisted Living communities provide residents assistance with basic ADLs (activities of daily living) such as bathing, grooming, dressing, and more. These communities differ from nursing homes in they don t offer complex medical services. Some criteria to consider when choosing an ALF are: budget, location, level of care needed and what level the facility is licensed to provide. Assisted Living is typically paid for through private funds, but there are exceptions. Some long-term care insurance policies cover licensed Assisted Living. If the perspective resident was a war veteran, or is the spouse of a war veteran, he or she might qualify for Veteran s Benefits that can help pay for assisted living. Medicaid funds and waivers are sometimes available to help with assisted living costs. Our advisors can help determine eligibility and narrow the list of facilities that best meet your situation. We recommend facilities that in our experience, have provided our clients the very best. 6 VOCABULARY assisted living: housing that is designed for senior citizens who need some assistance with daily activities but do not require care in a nursing home. LEVEL of DEPENDENCE Call FOR FREE GUIDANCE ON WHICH OPTION IS THE BEST FIT ASSISTED LIVING Canyon Creek Offers Independent, Assisted Living, Memory Care, Respite Stays and Daycare. Call us regarding move-in specials. Cottonwood Creek Cottonwood Creek at Salk Lake City offers resident-centered independent and assisted living within a warm home-like environment. Remodeled in late 2012, our community promotes an active lifestyle through social activities, wellness education and ongoing support plus restaurant style dining, transportation, weekly housekeeping, activities calendar and 24-hour emergency response. Emeritus Emeritus at Salt Lake City offers individualized Assisted Living including daily assistance 24 hours a day. Memory Care has qualified staff to Join their Journey and support meaningful independence daily. Our Skilled Nursing and Rehabilitation rated above average Union Park Ave. Cottonwood Heights, Utah 1245 Murray Holladay Road Holladay, Utah 76 South 500 East Salt Lake City, Utah

6 ASSISTED LIVING (continued) ASSISTED LIVING (continued) Highland Cove Three-time Best of State medalist Highland Cove is synonymous with dignity, quality and value offering a variety of nicely-appointed independent and assisted living apartments and services on 14 park-like acres. Our House Our House homes are small assisted living homes located in residential neighborhoods. Our goal is to create a home like those our residents have lived in all their lives. You will feel close to home from the moment you see our beautiful homes and landscaped yards, smell our home-cooked meals, and meet our family. SALT LAKE / UTAH / BOX ELDER The Wellington 3750 South Highland Drive Salt Lake City, Utah Riverton, Sandy (3 Locations), South Jordan, Orem, Provo, Tremonton The Wellington at Salt Lake City provides gracious independent and assisted living within an elegant service enriched setting. As your needs change, additional levels of assistance are available so you can continue to enjoy your friends and activities. Restaurant style dining, weekly housekeeping, social calendar and 24-hour emergency response also included. NON- Osmond Senior Living Welcome to Osmond Senior living! We are a Type 2 facility and as such we are equipped to provide the best and highest level of care in Utah. This is a luxury home that has been totally remodeled from top to bottom in order to accommodate seniors in a safe and luxurious home setting with all the functionality of a large scale assisted living. UTAH COUNTY 3784 West Valley View Drive Cedar Hills, Utah ASSISTED LIVING ONLINE Ombudsman Program Investigates complaints and concerns for individuals who reside in nursing homes and assisted living facilities Utah Affordable Housing Database Provides an affordable housing database 4522 South 1300 East Holladay, Utah 8 9

7 NURSING HOME NURSING HOME Nursing homes offer the most extensive care outside a hospital. These homes offer custodial care and skilled care. Custodial care includes assistance with bathing, getting dressed, and eating. Skilled care includes medical monitoring and treatments provided by registered nurses or specially-trained physical, occupational and respiratory professionals. About half of all nursing home residents pay nursing home costs out of their own savings. The average annual cost of nursing home services was about $60,000, and the average stay was two years. Under certain limited conditions, Medicare will pay some nursing home costs for beneficiaries who require skilled nursing or rehabilitation services. To be covered, you must receive the services from a Medicarecertified skilled nursing home after a qualifying hospital stay of three days or more. For people with limited income and assets, Medicaid is a state and federal program that will pay most nursing home costs. To determine if you are eligible, check your State s requirements. After personal savings and other resources are spent, many people who stay in nursing homes for long periods eventually become eligible for Medicaid. Call us for assistance. 10 VOCABULARY nursing home: facility that provides for the long-term care of patients and meets federal criteria for Medicaid and Medicare reimbursement. LEVEL of DEPENDENCE Call FOR FREE GUIDANCE ON WHICH OPTION IS THE BEST FIT Emeritus At Emeritus, we offer the unique option of receiving skilled nursing and rehabilitation care in the comfortable and homelike environment of our skilled nursing facilities, also known as transitional care communities. Together with your physician, our multidisciplinary team is dedicated to meeting your specific care needs through the development of an individualized care plan. Highland Care At Highland Care Center we offer the therapy you need and the care you deserve. We are the number one referred facility by hospitals for our in-house nursing and rehabilitation services South 500 East Salt Lake City, Utah 4285 Highland Drive Salt Lake City, Utah 84124

8 NON- NURSING HOME (continued) Bennion Care Center 6246 South Redwood Road, Taylorsville Canyon Rim Care Center 2730 East 3300 South, Salt Lake City Mount Olympus 2200 East 3300 South, Salt Lake City Sandy Health & Rehab 50 East 9000 South, Sandy Spring Creek 4600 South Highland Drive, Salt Lake City Bureau of Health Facility Licensing, Nursing Home Certification and Resident Assessments health.utah.gov/hflcra/ Regulates and investigates certified health care providers and facilities UTAH COUNTY Heritage Care Center 350 East 300 North, American Fork Spanish Fork Nursing 151 East Center Street, Spanish Fork DAVIS COUNTY Life Care Center 460 West 2600 South, Bountiful South Davis Community Hospital 401 South 400 East, Bountiful WEBER COUNTY Crestwood Care Center 3665 Brinker Avenue, Ogden Heritage park Care Center 2700 West 5600 South, Roy Wasatch Care Center 3430 Harrison Boulevard, Ogden 12 13

9 SHORT-TERM REHABILITATION Short-term rehabilitation facilities provide therapy for individuals recovering from a surgery, illness or accident. Generally, those needing short-term, in-patient rehabilitation may remain involved in their program at a facility for as little as a couple of days to as many as several weeks. Short-term rehabilitation programs help patients achieve their maximum functional capacity and get back to their homes and community in the shortest time possible. To achieve this goal, patients receive physical, occupational and speech therapy from compassionate and highly skilled therapists. Therapists are part of a team that includes physicians, nurses, social workers and nutritionists, who work with the patient and family members to develop an individualized care plan. VOCABULARY short-term rehab: facilities who provide therapy for individuals recovering from a surgery, illness or accident until they are able to transition back home or into a long-term care facility. LEVEL of DEPENDENCE SHORT-TERM REHABILITATION Emeritus Emeritus at Salt Lake City offers individualized Assisted Living including daily assistance 24 hours a day. Memory Care has qualified staff to Join their Journey and support meaningful independence daily. Our Skilled Nursing and Rehabilitation rated above average. Highland Care At Highland Care Center we offer the therapy you need and the care you deserve. We are the number one referred facility by hospitals for our in-house nursing and rehabilitation services. 76 South 500 East Salt Lake City, Utah 4285 Highland Drive Salt Lake City, Utah Many private insurance plans and HMOs have short-term rehabilitation benefits. To have Medicare pay for short-term coverage, you will need to qualify for skilled care. Usually a three-day minimum hospital stay is required for Medicare to pay rehab care costs. Look at your individual policy for specifics regarding coverage, or give us a call and we can answer your questions regarding your individual situation. Call FOR FREE GUIDANCE ON WHICH OPTION IS THE BEST FIT 14 15

10 NON- SHORT-TERM REHABILITATION (continued) Avalon Valley Rehabilitation 2472 South 300 East, Salt Lake City Crosslands Rehabilitation 575 East South, Salt Lake City Draper Rehabilitation South 950 East, Draper Garden Terrace 1201 East 4500 South, Salt Lake City Legacy Village 3251 West 5400 South, Taylorsville UTAH COUNTY Orem Rehabilitation 575 East 1400 South, Orem Provo Rehab 1001 North 500 West, Provo DAVIS COUNTY North Canyon Care 350 South 400 East, Bountiful Rocky Mountain Care 1450 South 1500 East, Clearfield WEBER COUNTY Pine View Transitional Rehab 1497 E. Skyline Dr., Ogden Washington Terrace Rehab 400 East 5350 South, Ogden 16 17

11 RESIDENTIAL CARE home health care personal care PROVIDER SPOTLIGHT Good Shepherd Home Care & Hospice Good Shepherd Home Care and Hospice is a Medicare-certified agency providing home care and hospice services to the entire Wasatch Front and Uintah Basin. Good Shepherd Home Care s services are centered on rehabilitation of the patient or maintaining independence at home through nursing; physical, speech, and occupational therapies; aide and homemaker services. Services are tailored to meet the needs of the patient, under their physician s supervision. VOCABULARY home health care: renders medically-related services in a home setting; services may include skilled nursing, physical, speech & occupational therapy. personal care: an aide who assists with non-medical physical needs such as bathing, personal hygiene, or completing other daily responsibilities patients are unable to accomplish. LEVEL of DEPENDENCE RESIDENTIAL CARE / HOME HEALTH CARE Good Shepherd Home Care & Hospice Good Shepherd Home Care & Hospice is a Medicare-certified agency providing home care and hospice services to the Wasatch Front and Uintah Basin Highland Drive Salt Lake City, UT ALL LEVELS Call FOR FREE GUIDANCE ON WHICH OPTION IS THE BEST FIT 18 19

12 RESIDENTIAL CARE / PERSONAL HEALTH CARE A Caring Hand A Caring Hand offers the best in home services for you and your loved ones. We are a Licensed/Bonded agency with Medicaid certification. We take pride in our caregivers and understand the importance of quality care. Call for a free assessment and a 10% discount from our regular rates of $22 $25/hr. SALT LAKE / UTAH Home Instead 1204 West S. Jordan Parkway Ste C South Jordan, Utah Whether you are looking for help with an aging parent a few hours per week or need 24/7 assistance, Home Instead can help. Our in-home caregivers provide companionship, light housekeeping, shopping/errands, incidental transportation, bathing assistance, incontinence care or help transitioning to home from the hospital. We also specialize in dementia & Alzheimer s care. NON- RESIDENTIAL CARE / HOME HEALTH CARE SALT LAKE / UTAH / DAVIS / WEBER 1st Choice Home Health 5296 Commerce Drive, Suite 204, SLC Access Home Care South 800 East, Suite B, Draper Applegate Home Care 425 Medical Drive, Bountiful CNS Home Health 6271 S. Dixie Drive, Suite 200, West Jordan Harmony Home Health 5650 Green Street, Murray Intermountain Homecare 2250 South 1300 West #A, Salt Lake City SALT LAKE / DAVIS / WEBER 5005 South 900 East Ste 120 SLC 8539 South Redwood Rd WEST JORDAN Select Home Care As a personal care agency we help with personal care, grocery shopping, meal prep, transportation, and companionship. All our employees are background checked, bonded and insured. Call today for a free assessment and special pricing through your this provider guide. SALT LAKE / DAVIS / UTAH 8510 South Sandy Parkway Sandy, Utah 20 21

13 MEMORY CARE MEMORY CARE VOCABULARY Although many are able to care for someone suffering from Alzheimer s or other forms of dementia at home, it may come to a point in the disease process where home care is unmanageable. With the variety of Home Health Services that are available, placement may be delayed; but often, placement is warranted. Assisted Living Facilities and Nursing Homes can provide housing for seniors with Alzheimer s and Dementia but the question now becomes what level of care does my loved one require? Sometimes there is a fine line that separates an appropriate assisted living resident from a resident who would be bet- memory care: facility designed for individuals with a level of cognitive impairment that makes it unsafe for them to remain at home, and may require residence in a secured area. LEVEL of DEPENDENCE NON- for an up-to-date list of local memory care facilities that would best meet your loved one s needs and budget. MEMORY CARE ter served in a skilled nursing facility. Here are some questions to consider: The UofU Center for Alzheimer s Care, Imaging and Research Is 24/7 supervision necessary? 729 Arapeen Drive, Salt Lake City, UT Is he/she easily re-directed? Is he/she able to perform most or all activities of daily living? Is he/she able to communicate wants and needs? ONLINE Alzheimer s Association Dept. of Health & Human Services ww.alzheimers.gov An qualified nurse s assessment can help you place your loved one in the appropriate level of care. For most families, an Assisted Living Facility that offers memory care can provide the necessary level of care at a far less expensive cost than a nursing home. Call us! We can help you choose. Call FOR FREE GUIDANCE ON WHICH OPTION IS THE BEST FIT 22 23

14 MONEY & LEGAL Medicare Medicare is our country s health insurance program for people 65 years or older. The program helps with the cost of health care, but does not cover all the medical expenses or the cost of most long-term care. Medicaid PAGE 26 PAGE 28 Medicaid is a health and long-term care coverage program that is jointly financed by states and the federal government. Each state establishes and administers its own Medicaid program. The New Choices Waiver program is designed to help people who are living in nursing homes because of financial necessity to move out and live in an Assisted Living environment. Reverse Mortgages PAGE A Reverse Mortgage is a financial tool designed to be a form of financial relief for homeowners 62 and older. It allows seniors to stay in their home, eliminate their current mortgage payment, and access their equity. It is important to talk to a professional to discover whether a Reverse Mortgage is right for your situation. Social Security PAGE 44 Social Security retirement benefits may start as early as age 62, or as late as age 70. Monthly benefit amounts depend on the age you begin receiving it. As you plan for your financial future, take the time to better understand your Social Security benefits. VA Benefits PAGE 32 According to the Department of Veterans Affairs, there are 22.7 million veterans in the United States, and 55% are age 60 and older. Many veteran benefits now available are not being utilized to the fullest extent, because families aren t aware of the benefits their parents may be entitled to. Real Estate PAGE 36 Moving a senior s household can be more complex, emotionally-charged and physically demanding than moving a younger household. Moving requires expertise, compassion and extreme sensitivity

15 MEDICARE MEDICARE No matter your income, Medicare is the federal health coverage program if you are 65 or older, or under 65 and have a disability. Part of all income taxes go toward Medicare services. To discover how Medicare differs from Medicaid, consult the following chapter on Medicaid. PART A&B PART C Provided by the government & its subcontractors. Part A& B pays fees for your care directly to hospitals/doctors visited. PART A Helps with hospital costs PART B Helps with doctor and outpatient care PART D Helps pay for prescription drugs MEDICARE SUPPLEMENT PLANS Cover some costs not covered in A & B OR STANDARD ADDITIONAL POSSIBLE Provided by private companies and approved by Medicare. Part C pays a fixed fee to the plan, and the plan itself pays hospitals/doctors. PART C Combines hospital costs, doctor and outpatient care in one single plan PART D Available in Medicare Advantage Plans. Some offer built in drug coverage, others as an optional add-on ADD L BENEFITS Often incuded, such as vision & hearing Research the available Medicare coverage choices and choose wisely. Quality of care is affected by how benefits are selected and received. Unless Medicare recipients have supplemental insurance, the deductible and coinsurances must be paid. Medicare does not cover all health care services, and rarely does it pay 100 percent of the cost. Health care services not covered by Medicare include but are not limited to: most care received outside of the United States, cosmetic surgery, most dental care, hearing aids, personal care/custodial care, housekeeping services, most nonemergency transportation, and vision care. VOCABULARY medicare: a federal program that pays for certain medical care expenses for people aged 65 or older. Call FOR FREE GUIDANCE ON WHICH OPTION IS THE BEST FIT NON- Senior Benefits We are Medicare insurance specialists who have dedicated our careers to helping people understand their Medicare options, and Long and Short Term Care insurance needs. We consistently exceed client expectations and build trusted relationships for life. SALT LAKE / UTAH / DAVIS / WEBER MEDICARE S. 450 E. Suite B Draper, Utah ONLINE Senior Health Insurance Information (SHIP) Utah Insurance Dept. insurance.utah.gov Medicare medicare.gov 26 27

16 MEDICAID Medicaid is a jointly funded, federal-state health care program for financially eligible persons. Medicaid provides care for acute medical needs, rehabilitation, and long-term care (at home, in nursing homes, and some programs for Assisted Living). There are also numerous community-based programs including adult day care and assistance with local transportation. At one time, Medicaid programs allowed beneficiaries to qualify if they gave away their house and all their money not anymore. There is a 5-year lookback law, and if asset transfers are done incorrectly, Uncle Sam will find your money and make you pay. For a low-income senior to qualify for Medicaid, consult a Medicaid professional to understand the acceptable ways to spend-down assets. Some assets may be gifted within limits to a beneficiary, but these assets will no longer be in your control. Spousal poverty protection laws have been passed to allow the spouse of a senior, who needs long-term nursing home care, to maintain up to 50% of the couple s assets. Because of the complexity of Medicaid and yearly rule changes on asset limits, talk to a Medicaid expert before determining your potential eligibility and whether your assets are considered countable or non-countable. 28 VOCABULARY medicaid: a joint federal and state program that helps qualifying low-income individuals or families pay for costs associated with long-term medical and custodial care. Call FOR FREE GUIDANCE ON WHICH OPTION IS THE BEST FIT MEDICAID Utah Senior Planning We specialize in helping families qualify for benefit programs that pay for your loved one s care. Whether they are cared for at home, through Assisted Living or through Skilled Nursing, our team of planning professionals will assist you in tailoring a specific strategy to preserve the assets of your parent or spouse now, or in the future. Mention this ad for a Free Family Consultation. 307 N. 300 W. Suite 303 SALT LAKE / UTAH / DAVIS / WEBER Kaysville, Utah Andrews Burton Law, LLC Attorney Cristina Andrews-Burton has a law degree from BYU (JD 01). She practices in the areas of family law, estate planning and elder law as well as specializing in Medicaid planning. SALT LAKE / UTAH / DAVIS / WEBER Wilson Law Office, PC We offer affordable assistance for families with loved ones who are vulnerable due to care costs brought on by aging. We can help with elder law issues such as asset protection, Medicaid and VA Benefits qualification, guardianship, conservatorship, wills, trust and power of attorney planning. SALT LAKE / UTAH N E. Kaysville, Utah 1555 East Stratford Avenue, Suite 100 Salt Lake City, Utah

17 NON- MEDICAID (continued) UTAH COUNTY Dept. of Workforce Services, Long-Term Care Medicaid 150 East Center Suite 3400, Provo ONLINE Dept. of Workforce Services, Long-Term Care Medicaid Utah Home & Community-Based Services Utah Medicaid Program

18 VA BENEFITS Largely unknown, the Veterans Administration offers Aid and Attendance as part of an Improved Pension benefit. This pension benefits Veterans and surviving spouses who might require the regular attendance of another person to assist in eating, bathing, dressing, undressing, medication dosing, etc. It also includes individuals who are blind, and patients who are incapacitated mentally or physically so long as they are in a nursing home, require Assisted Care, or are in an Assisted Living facility. This important benefit is often overlooked by those who qualify and need additional monies to care for loved ones. This is a Pension Benefit, and is not dependent upon service-related injuries for compensation. Aid and Attendance can assist in paying for in-home care, Nursing Home care, or care given in an Assisted Living Facility. Veterans are eligible for up to *$1,732 per month, while a surviving spouse is eligible for up to *$1,113 per month. A Veteran with a Spouse is eligible for up to *$2,054 per month. *The pension income calculation of each category will allow for a benefit from $0 to the Maximum Allowable Pension Rate (MAPR). Any War-Time Veteran with 90 days active duty who serves at least 1 day (beginning or ending during a period of War) is eligible to apply. 32 VOCABULARY VA benefits: Veterans and their dependents may be eligible for assistance, health care, military pensions, housing, burial aid, life insurance, and other benefits. Call FOR FREE GUIDANCE ON WHICH OPTION IS THE BEST FIT VA BENEFITS Senior Care Law Living Trusts, Estate Planning, Wills & Probate, Probate Avoidance, Estate Administration, Veterans Planning, Medicaid Planning, Nursing Home Planning, Asset Protection Planning, Special Needs Planning, Guardianship/Conservatorship, Advance Directives for Heath Care, Funeral Trusts. DAVIS COUNTY Andrews Burton Law, LLC Attorney Cristina Andrews-Burton has a law degree from BYU (JD 01). She practices in the areas of family law, estate planning and elder law as well as specializing in VA Benefit qualification. Wilson Law Office, PC We provide affordable assistance for families with loved ones who are vulnerable, due to care costs brought on by aging. We can help with elder law issues such as asset protection, Medicaid and VA Benefits qualification, guardianship, conservatorship, wills, trusts, and power of attorney planning. SALT LAKE / UTAH Legend Hills Drive, Suite 331 Clearfield, Utah SALT LAKE / UTAH / DAVIS / WEBER 200 N E. Kaysville, Utah 1555 East Stratford Avenue, Suite 100 Salt Lake City, Utah

19 NON- VA BENEFITS (continued) U.S. Dept. of Veteran s Affairs 550 Foothill Drive, Salt Lake City Veterans Administration Medical Center & VA Community Residential Care South Foothill Drive, Salt Lake City Provides comprehensive medical care for qualified individuals at the Medical Center. ONLINE Disabled American Veterans National Veterans Legal Services State of Utah Dept. of Veteran s Affairs U.S. Dept. of Veteran s Affairs

20 REAL ESTATE Baby boomers are getting older, and despite their desire to remain home, some seniors will be unable to accomplish their goal. There are many reasons a senior or family member of a senior may opt to sell their home. Such reasons may include: too much home for a senior to maintain or afford, too much isolation from familial support, or too many modifications are required for a comfortable and safe living environment. Once all the options have been considered, and the decision is made to sell a home, finding a Real Estate agent that specializes in assisting seniors is the next step. A REALTOR who has completed a series of courses on how to help seniors and their families with real estate transactions is known as an SRES. They specialize in helping people age 50 and older, and can assist in selling, buying, or renting real estate. An SRES will help seniors look at all the available choices, and can coordinate with other professionals which handle estate taxes and gifting. In order to pay for senior care costs and to remain eligible for government benefits, an SRES can provide help in staying within asset guidelines. To receive assistance pertaining to your particular real estate situation, call an advisor at VOCABULARY real estate: Land, buildings, and attachments to land and buildings. Also called realty and real property. Call FOR FREE GUIDANCE ON WHICH OPTION IS THE BEST FIT REAL ESTATE Pristine Property of the West LLC Michael T. Lami CSP, GRI, SRES I am committed to excellence. During my 18 year real estate career I have earned the highest residential practitioner designation given by the National Association of Realtors and attained the highest real estate license issued by the State of Utah. This ongoing desire for excellence as a real estate expert translates into superior service to my clients. SALT LAKE / UTAH / DAVIS / WEBER Coldwell Banker Residential Brokerage Susan Dickstein GRI, SRES Service is my number one priority. Every person gets the attention they deserve. I have experience that enables me to watch out for your best interests. I listen, communication is the key. How can I help you! SALT LAKE / UTAH / DAVIS / WEBER Murray Holladay Blvd. Murray, Utah 2180 S E. Suite 140 Salt Lake City, Utah