Tips for Seniors and Families

 

Health Insurance Opportunity

 

If you know someone who is uninsured or underinsured, someone who works for or owns a small business, or someone who simply wants to know what other health insurance options are out there, the Marketplace on www.HealthCare.gov offers options for coverage with financial assistance.  Enroll by December 15, 2014 in order to receive coverage starting January 1, 2015.

 

 

Health insurance provides peace of mind.  Before the Marketplace, many people could not afford to get the health care they needed.  Now financial help is available, families do not have to be at risk of bankruptcy due to medical expenses.  If everyone tells just one friend or family member about the Marketplace, we’ll be taking steps to achieve our strategic goal of a Healthier America.  The Health Insurance Marketplace established under the Affordable Care Act (ACA) does not affect the Federal Employees Health Benefits (FEHB) Program.

 

 

So the bottom line is this. If you have friends or family who are uninsured, tell them to www.HealthCare.gov or www.CuidadoDeSalud.gov, the Spanish version of the site.

 

 

 

 

 

 

                                                                              Adoption is a Family Matter!

 

Virginia One Church- One Child advocates the recruitment of African-American families for Adoption Grants. Please contact for Sis. Charlene White at (804) 440-5090 if interested in participating or go to their website: www.vaonechurchonechild.org. Presently, there are approximately 1,362 Afro-American, children who are awaiting placement with wholesome families in Virginia. Parents (through adoption) are desperately needed ASAP.

 

 

 

 

 

 

 

I AM A 21st CENTURY LEADER PROGRAM PROVIDES TUTORING & LEADERSHIP DEVELOPMENT

AN INNOVATIVE, PEPRSONALIZED LEARNING, & YOUTH LEADERSHIP PROGRAM

FOCUSING ON MATH, LANGUAGE ARTS, ENGLISH, SOCIAL STUDIES, SCIENCE, WORLD LANGUAGES, SOL, SAT/ACT/ASVAB, 

& GED PREPARATION

www.empoweringthepoor.org

 

MISSION:  I Am a 21st Centure Leader Program is a  program sponsored by Empowering the Poor, a 501 (c) (3) nonprofit organization dedicated to empowering poor communities to self-reliance through education, healthcare, and micro loans programs in the United States and around the world.  The mission of the I Am a 21st Century Leader Program is to enhance the academic achievement and leadership skills of all students attending the local 1st through 12th grades by providing special emphasis on empowering economically disadvantaged students and their parents to become accountable for learning and long-term academic successes by matching students, parents with caring teachers to:

 

 

The program's aim is "to help students understand what is means and takes to become a leader in today's 21st century global village, while promoting perssonal and community responsibility."  The leadership aspect of the program's audience is limited to 9th - 12th grade students and provides leadership activities that inlcude local and global service-learning projects, field trips, college tours, etc.

 

To seek assistance, obtain more information, or donate to this very worthwhile program, please contact Darius Coulibaly, Program Founder & Chief Executive Servant at coulibaly@empoweringthepoor.org.  

To donate to this very worthwhile cause, you may donate online at www.empoweringthepoor.org or mail your tax-deductible donation to:

 

EMPOWERING THE POOR

P O BOX 42031

FREDERICKSBURG VA  22404

 

 

 

GET YOUR FLU SHOT!

 

A simple flu shot may prevent future illness and missed time from work and other activities.  

 

Influenza is a serious disease that can lead to hospitalization and sometimes even death. Every flu season is different, and influenza infection can affect people differently. Even healthy people can get very sick from the flu and spread it to others. Over a period of 31 seasons between 1976 and 2007, estimates of flu-associated deaths in the United States range from a low of about 3,000 to a high of about 49,000 people. During a regular flu season, about 90 percent of deaths occur in people 65 years and older. “Flu season” in the United States can begin as early as October and last as late as May.

 

 

 

 

 

 

 

 

TAX RELIEF FOR SPOTSYLVANIA SENIORS

 

Spotsylvania County provides an exemption of taxes on real property for the elderly and/or totally disabled persons.

 

 

GENERAL INFORMATION If you are disabled, one letter from Social Security or one letter from two separate doctors has to be provided at the time of application stating the total disability and the date the applicant was declared disabled. The disability date has to be before January 1 of the tax year. The disability statements only need to be provided if you are a first time applicant and are not over sixty-five (65) years old. The exemption is for the dwelling and up to one (1) acre of land. Applicants are required to own and occupy the property currently and before January 1 of the current tax year for which the exemption is applied. An exemption may be given for the prior tax year if the applicant meets the qualifications and an application is submitted before the March 1 deadline anniversary date. The prior year gross income and net worth totals are used to determine if the applicant qualifies. A maximum amount of up to $1,200 in taxes may be exempted. 

 

The exemption is granted on an annual basis and a renewal application has to be filed each year. 

1) All information on the application is confidential and not open to public inspection. 

2) Current exempted taxes are due upon the sale of the exempted property and/or death of the applicant if there is no surviving qualifying co-applicant, or if the applicant(s) no longer resides on the exempted property for any reasons other than occupying a nursing home/hospital. 

 

ELIGIBILITY:

 

Application forms are available at:  http://www.spotsylvania.va.us/content/2614/147/2740/165/713/722.aspx

 

TIPS FOR FAMILIES

 

Providing Additional Funding for the Children’s Health Insurance Program. Under the law, states will receive two more years of funding to continue coverage for children not eligible for Medicaid.  

 

If your children need health coverage, they may be eligible for the Children's Health Insurance Program (CHIP). If they qualify, you won't need to buy a Marketplace plan to cover them.

 

CHIP Basics

CHIP provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, CHIP covers parents and pregnant women. Each state offers CHIP coverage, and works closely with its state Medicaid program.

What CHIP covers

The benefits covered through CHIP are different in each state, but all states provide comprehensive coverage, including:

States may choose to provide additional CHIP benefits. Check with your state for more information about covered services.

What CHIP costs

Routine "well child" doctor and dental visits are provided free of charge. But there may be copayments for certain other services. Some states charge a monthly premium for coverage. The costs you'll have to pay are different in each state, but you can't be asked to pay more than 5% of your family's income for the year.

See if your children qualify for CHIP

Each state program has its own rules about who qualifies for CHIP. There are 2 ways to see if your children qualify:

 

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