SERVICES (2024)

SERVICES FOR SENIORS

Lawsand Programs

for

SeniorAdults

Prepared by the Michigan Legislature

This information is provided free to Michigan citizens

and is not for reproduction for resale or profit.

State Taxes...............................................................................................printed page 1

Financial Hardship Property Tax Exemptions ..................................... printed page 1
Homestead Property Tax Credit........................................................ printed page 1
Renters Tax Credit........................................................................... printed page 2
Tax Deferments................................................................................printed page 3
Prescription Drug Credit................................................................... printed page 4
MichiganEmergency Pharmaceutical Program for Seniors (MEPPS) .. printed page 5
ElderPrescription Insurance Coverage Program (EPIC) ..................... printed page 5
HomeHeating Credit........................................................................ printed page 6

HealthCare..............................................................................................printed page 7

MedicareProgram............................................................................ printed page 7
MedicaidProgram............................................................................ printed page 8
QualifiedMedicare Beneficiaries (QMB) ............................................ printed page 8
AdditionalLow-Income Medicare Beneficiaries (ALMB) .................... printed page 9
MichiganMedicare/Medicaid Assistance Program .............................. printed page 9
AdditionalPrograms......................................................................... printed page 10
FoodAssistance Program................................................................. printed page 10
AdditionalHealth Programs ............................................................... printed page 10
NursingFacilities .............................................................................. printed page 10
Long-TermCare Ombudsman Program ............................................. printed page 11
Respite Care.....................................................................................printed page 11
CareManagement............................................................................. printed page 12
Homeand Community-Based Services Waiver Program ..................... printed page 12

ConsumerProtection................................................................................printed page 13

Legislation........................................................................................printed page 13
LegalAssistance............................................................................... printed page 13
LegalHotline for Michigan Seniors.................................................... printed page 14

Housing...................................................................................................printed page 15

HomeRepair....................................................................................printed page 15
SeniorRental Arrangements.............................................................. printed page 15
RentalLease Breaking...................................................................... printed page 16
SpecificLegal Protections for Senior Housing .................................. printed page 16
Transportation.................................................................................printed page 17
Energy.............................................................................................printed page 18
SeniorCommunity Service Employment Program .............................. printed page 19

Money.....................................................................................................printed page 21

IndividualRetirement Accounts ........................................................ printed page 21
SeniorDiscount Programs................................................................ printed page 22
DirectDeposit of Social Security Payments ....................................... printed page 22
DirectDeposit of Income Tax Refunds ............................................. printed page 22
PersonalNeeds................................................................................printed page 24

VolunteerPrograms..................................................................................printed page 25

RetiredSenior Volunteer Program ..................................................... printed page 25
FosterGrandparent Program............................................................. printed page 25
SeniorCompanion Program ..............................................................printed page 25
Agenciesof Government Which Assist Seniors ................................. printed page 26
AreaAgencies on Aging................................................................... printed page 27

StateTaxes

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Of themany aspects of life that affect seniors, perhaps none is as important as taxation.The tax system in Michigan offers several advantages to the senior citizen. Inaddition to their regular personal deduction of $2,900, persons 65 years orolder are entitled to an additional exemption of $1,900 on their state incometax returns. Moreover, senior citizens are not required to pay state income taxon pension benefits received from a public retirement system in Michigan, afederal retirement system, or a public retirement system of another state orany of its political subdivisions if the laws of the other state permit asimilar or reciprocal deduction or exemption. For the 2001 tax year, pensionbenefits from private pensions are deductible to a maximum of $36,090 ($72,180on a joint return), and seniors age 65 or older who do not deduct pensionbenefits may deduct part of their dividend and interest income. For the 2001tax year, this deduction has been raised to $8,048 ($16,095 on a joint return).

FinancialHardship Property Tax Exemptions

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Recentlegislation provides homeowners meeting the federal poverty income standardsthe opportunity to apply for an exemption of the payment of property taxes dueto financial hardship. If you think that you may be eligible, you may file aclaim with the township supervisor or board of review on a form provided byyour local assessor.

HomesteadProperty Tax Credit

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Seniorsare entitled to a homestead property tax credit equal to up to 100% of theamount their property taxes exceed 3.5% of their income, up to $1,200. Generalclaimants who do not qualify for special consideration receive a homesteadproperty tax credit equal to 60% of the amount their property taxes exceed 3.5%of their income, up to $1,200. This credit may be claimed regardless of whetheror not a Michigan income tax return (form MI-1040) must be filed. You may claima property tax credit by filing form MI-1040CR.

Seniorsmay claim the homestead property tax credit up to four years from the annualdate (April 15) set for filing the claim. The credit may be allowed if a seniormeets the following criteria:

a.Applicant or spouse of applicant must reach age 65 by December 31 of the taxyear.

b.Applicant is the unremarried survivor of a spouse who was 65 or older at thetime of his or her death.

c.Applicant must have lived in Michigan for at least six months of the tax year.

Thosemeeting these qualifications may calculate their homestead property tax creditthrough either the circuit breaker or the home value method, whichever is morefavorable. The circuit breaker method provides tax relief by relating propertytax liability to an individuals income. These special provisions for seniorcitizens permit a property tax credit based on 100% of the amount that propertytaxes paid exceed the amount equal to the following percentages of householdincome:

IncomePercentage

Under $3,0000%

$3,001 to $4,000 1.0%

$4,001 to $5,000 2.0%

$5,001 to $6,000 3.0%

$6,001 and over 3.5%

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If thehousehold income is less than $3,001.00, all property taxes paid up to amaximum of $1,200 are refundable. For example: Mr. and Mrs. Jones householdincome amounted to $5,400 in 2000. They were billed $500 for 2001 propertytaxes. Their credit is computed by first multiplying their household income($5,400) by the percentage from the above table (3%) and then taking thedifference between 3% of income and the amount of taxes paid, or 3% x $5,400 =$162; $500 Ð $162 = credit of $338.

Thehome value method for low-income households can be used by seniors whosehousehold income is $6,000 or less and who received a senior citizen propertytax credit in 1973. To receive this tax credit, the Taxable Value of theproperty must be determined. This figure is usually found on the property taxbill or can be obtained from the local tax assessor. Twenty-five hundreddollars ($2,500) is then divided by the Taxable Value and the result ismultiplied by the total annual tax bill. That result, up to a maximum of$1,200, is the tax credit to which the senior citizen is entitled.

RentersTax Credit

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Rentersmay also use this formula to obtain a tax credit by substituting 20% of therenters gross rent for the year as the amount of property taxes paid. Seniorcitizens whose rent is more than 40% of their household income may be eligiblefor a larger credit using the alternative credit. Such a credit would be theamount by which rent paid for the year exceeds 40% of household income, up to amaximum of $1,200. Renters should calculate their credit using both thestandard and the alternative formulas and claim the larger credit.

Peoplerenting apartments exempt from property taxes but who pay service fees to themunicipality in which they live may use 10% of their rent to calculate theirproperty tax credit. Permanent residents of nursing homes, foster care homes,or homes for the aged may also claim a tax credit by using their share of thetotal property tax paid by the facility as taxes eligible for credit. Yourmanager should be able to tell you your share of the tax. It is important tonote, however, that individuals must file a claim to receive any of thesecredits.

TaxDeferments

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Thecity, village, or township summer tax deferment is a beneficial tax break forcertain people over the age of 62. This provides those with a household incomeof not more than $25,000 for the preceding year the benefit of deferring summerproperty taxes until February 15 of the following year. The benefit of thisprocedure is that it usually gives sufficient time for state income tax refundchecks to be received by the senior to be used to pay the summer propertytaxes. This is done by applying to the city, village, or township treasurer bySeptember 15 of that tax year, or by the time that the tax would become subjectto interest or late penalty charges. Your local treasurer can supply moreinformation.

Seniorcitizens may also delay paying their winter taxes without the imposition ofcertain fees, penalties, or interest. Payment of these taxes may be extendeduntil April 30 of the first year of delinquency. This deferment is permittedonly if the local county board of commissioners has adopted a resolutionapproving a winter tax deferment. Eligibility may be accorded to those who haveapplied for a property tax credit before February 15 and have not receivedtheir refund before March 1. Such individuals must present a copy of theirproperty tax credit form to their county treasurer. Your local treasurer cantell you if this deferral has been made available and whether or not youqualify.

Specialassessments have long been a special problem for seniors. These taxes areimposed to finance installation of curbs, gutters, sidewalks, sewers, water,pavements, drains, and connections for water and sewer systems. Deferments ofthese special assessments may be extended to individuals who are 65 years ofa*ge or older, citizens of the United States, residents of Michigan for at leastfive years, and sole owners of the homestead for five or more years. Inaddition, annual household income in 2001 cannot have exceeded $17,429 in orderto qualify. Each year this income limit is adjusted annually based on theannual average percentage increase or decrease in the U.S. Consumer PriceIndex. Additionally, not less than $300, exclusive of interest, can bedeferred.

PrescriptionDrug Credit

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Some seniorcitizens may be able to claim a credit for a portion of the money that theyspent during the year on prescription drugs. This is the last year to claim thecredit. The Elder Prescription Insurance Coverage (EPIC) program replaced boththe prescription drug credit and the Michigan Emergency Pharmaceutical Programfor Seniors (MEPPS). The maximum credit allowed is $600 for single persons and$1,200 for married people, both age 65 or older. Qualifications for receivingthis credit include:

Youmust be a resident of Michigan.

Youmust have reached your 65th birthday by December 31, 2001. For married couples,both persons must meet the age qualification in order for both to claim acredit for the costs of their prescription drugs. If only one of the spouseshas reached age 65 by the deadline, only that persons costs may be considered.

Householdincome for the year cannot exceed $12,885 for single persons or $17,415 formarried couples.

Youwere not a resident of a licensed health care facility for at least sixconsecutive months during 2001. Such facilities include a nursing home,hospital long-term care unit, county medical care facility, or mental healthfacility.

Seniorcitizens who live in subsidized senior citizen apartments, adult foster carehomes, and licensed homes for the aged are eligible to apply for the credit.

Part-yearresidents of Michigan may claim a credit for their prescription drug costs paidwhile they were a Michigan resident. In calculating the credit, part-yearresidents should include only that income they received while living in thisstate.

Indetermining your costs during the year for prescription drugs, you may notinclude in the total the costs of any prescription drugs for which you werereimbursed by an insurance plan. The amount of your credit is determined bymultiplying your household income (from line 30 of your homestead property taxcredit claim) by 5% (.05), and subtracting that amount from your nonreimbursedprescription drug costs. Your credit cannot exceed $600 for single persons,$1,200 for married couples both age 65 or older.

If youthink you are eligible for this credit, you must complete a Michigan Departmentof Treasury form MI-1040CR-9. You cannot file this claim any later than June 1immediately following the tax year for which the credit is claimed. TheMichigan Department of Treasury will not issue any prescription drug creditsuntil after that date.

Statelaw limits to $20 million the total amount the Department of Treasury canrefund in a year for prescription drug costs. The legislature appropriates anamount to be used for the Michigan Emergency Pharmaceutical Program for Seniors(MEPPS). Currently, this amount is $6 million. If the total credits applied forare greater than $20 million, all credits will be reduced proportionately. As aresult, the amount of your actual credit may be less than what you claimed.This credit will expire after the 2001 tax year.

MichiganEmergency Pharmaceutical Program for Seniors (MEPPS)

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ElderPrescription Insurance Coverage (EPIC)

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Underthe provisions of 2000 PA 499, the state has established the Elder PrescriptionInsurance Coverage (EPIC) program, effective October 1, 2001. This new programreplaced both the prescription drug credit and MEPPS.

Inimplementing EPIC, eligibility is limited to noninstitutionalized Michiganresidents 65 years of age or older who have incomes at or below 150 percent ofthe poverty level, and are not enrolled in Medicaid or covered by insurancethat includes prescription drugs (other than a Medicare supplemental policy).Persons with incomes up to 200 percent of the federal poverty guidelines may beenrolled, contingent on availability of funds.

Enrolleesare required to meet a cost-sharing obligation by paying a co-payment not toexceed 20 percent of the cost of each prescription up to a monthly co-paymaximum ranging from 1/12 of one percent of the enrollees household income upto 1/12 of five percent of the enrollees household income depending on thepercentage of household income over the federal poverty guidelines.

Initialenrollment in EPIC gave priority to those previously enrolled in the MichiganEmergency Pharmaceutical Program for Seniors (MEPPS). The second enrollmentpriority is for those with incomes up to 150 percent of the federal povertyguidelines who received a prescription drug credit under section 273 of theIncome Tax Act of 1967 (MCL 206.273). Other applicants with incomes of upto 200 percent of federal poverty guidelines may be enrolled contingent onavailable money. Emergency vouchers may be available for eligible EPICapplicants who immediately need to obtain a medically necessary prescription.

TheEPIC program is financed in large part with monies made available by thetobacco lawsuit settlement, and is designed to be a payer of last resort. Ifthe federal government establishes a prescription assistance program, EPIC willonly cover those costs not covered at the federal level. The program is notintended to be an entitlement, and benefits may be limited by availablefunding.

HomeHeating Credit

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TheHome Heating Assistance Program gives many low-income persons the opportunityto claim a credit against their state income tax for part of their home heatingcosts. There are two methods available for computing a home heating credit: thestandard method and, for individuals with very low incomes and high heatingcosts, an alternative formula. This credit may be claimed regardless of whetheror not a Michigan income tax return (MI-1040) must be filed.

Incalculating your credit using the standard method, the amount of the homeheating tax credit is determined by first figuring the amount of your householdincome and the number of exemptions you can claim. Your credit is your standardallowance minus 3.5% of your household income. The standard allowance iscurrently $332 for a person with an income of $9,486 or less and $448 forfamilies with two exemptions and an income ceiling of $12,800. If you are aclaimant whose heating costs are included in your rent, multiply the result ofthe preceding calculation by 50%. You will not get a credit if your householdincome exceeds the amount of the income ceiling as detailed in the home heatingcredit tax form.

Toqualify for the alternative credit formula, your household income may notexceed $13,573 for filers with 2 or more exemptions. To compute the alternativecredit, you must determine your total heating costs for the 12 consecutivemonthly billing periods ending during October of the tax year (November 2000 toOctober 2001). Then you reduce your total heating costs (maximum allowed in2001 is $1,493) by 11% of your household income. Your home heating credit willbe 70% of this amount. If your claim is for less than 12 months or your heatingcosts are currently included in your rent, you cannot claim an alternativecredit.

Youmust claim a Home Heating Credit on form MI-1040CR-7. To receive your credit,claims must be filed by September 30, 2002.

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HealthCare

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One ofthe most important factors contributing to the well-being of senior citizens isgood health, its maintenance and its preservation. Michigans senior citizensare fortunate in having available to them numerous avenues to ensure qualityhealth care, some of which include physical and mental health clinics, healthscreening programs, and nutrition services.

Additionally,the federal Medicare program and the state-administered Medicaid program assistseniors in need of medical services.

MedicareProgram

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Medicareis a federal health insurance program available to people 65 years of age orolder, some persons with disabilities under the age of 65, and people withend-stage renal disease. There are two parts to Medicare Part A and Part B.Part A is referred to as hospital insurance and helps pay for inpatienthospital care, as well as care in critical access hospitals, some skillednursing facility care, hospice care, and some home health care. Part B isreferred to as medical insurance and helps to pay for doctors services,outpatient hospital care, medical supplies, and a variety of other health careservices that are medically necessary. Certain preventive services may also beeligible for coverage. Enrollment in Part A is available to most seniorcitizens at no charge. Part B, however, must be purchased by paying a monthlypremium of $54.00 in 2002 (this amount may change January 1, 2003). It shouldbe noted that under certain circ*mstances some individuals may have to pay morethan this premium amount and in other cases the cost may be covered for certainrecipients with Medicaid eligibility. Individuals may choose to receive theirhealth care coverage from the original Medicare plan or from Medicare + Choice(i.e., a Medicare managed-care plan).
Medigap policies, otherwise known as Medicare supplemental insurance policies,are available for purchase from private insurance companies and may providecoverage for benefits that the original Medicare plan does not. All Medigappolicies are sold in 10 standardized plans known as plans A through J and eachplan must cover certain minimum (core) benefits. According to the 2002 Guide toHealth Insurance for People with Medicare, the basic benefits include: 1) thePart A coinsurance amount for days 61-90 ($203 per day in 2002) and days 91-150($406 per day in 2002) of a hospital stay; 2) 100% of the cost for up to 365more days of a hospital stay during your lifetime after you use up all Medicarehospital benefits; 3) the first three pints of blood or equal amounts of packedred blood cells per calendar year, unless this blood is replaced; 4) thecoinsurance or copayment amount for Part B services after you meet the $100yearly deductible; and 5) generally 20 percent of the Medicare-approved amountfor medical and other services after the deductible is met. Additionally, someof the Medigap plans cover extra benefits. For additional information regardingMedigap policies, call 1-800-MEDICARE (1-800-633-4227) to request a free copyof the 2002 Guide to Health Insurance for People with Medicare. This booklet isalso available on the Internet at www.medicare.gov.

Forfurther information about Medicare or to request and receive a variety ofMedicare and related booklets, call 1-800-MEDICARE (1-800-633-4227, TTY/TDD1-877-486-2048 for the hearing and speech impaired) or access the Medicarewebsite at www.medicare.gov. Individuals can also call the Medicare/MedicaidAssistance Program at

1-800-803-7174to get help with their questions.

MedicaidProgram

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Medicaid,on the other hand, is funded by both the state and federal governments andhelps needy individuals pay their medical bills, depending on their income,family size, and assets. This program may supplement Medicare services afterMedicare coverage is exhausted and can also pick up co-insurance and/ordeductibles for Medicare or other insurance. Medicaid is available to those whoare eligible for Supplemental Security Income (SSI) or who are financially ormedically needy. A senior with questions about Medicaid should call a countydepartment of community health. Further information about Medicaid can beobtained by calling 1-800-642-3195, or the Medicare/Medicaid Assistance Programat 1-800-803-7174.

QualifiedMedicare Beneficiaries (QMB)

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QMB(pronounced Quimby) is a program for persons aged 65 and older (or those under65 who are disabled and on Medicare) who are eligible to receive Medicare PartA (Hospitalization) and/or Part B (Physician Services and Medical Equipment)who have resources and assets at or below the following levels:

2002 Income Assets

Individual $759/month ($9,108/year) $4,000

Couple $1,015/month ($12,180/year) $6,000

Thisprogram provides government payment of Medicare Part B premiums of $54.00 permonth ($648) per year; Medicare Part A and Part B deductibles of $812 and $100per year respectively; and substantial copayments for doctor bills, outpatientcare, hospital stays over 60 days and skilled nursing home care over 21 days.

Aprogram, Specified Low-Income Medicare Beneficiaries, or SLMB (pronounced Slimby),is available for those with incomes and assets at or below the followinglevels:

2002 Income Assets

Individual $906/month ($10,872/year) $4,000

Couple $1,214/month ($14,568/year) $6,000

QMB andSLMB are administered by the Michigan Department of Community Health. Personsinterested in applying for QMB or SLMB coverage should contact their countyFamily Independence Agency.

AdditionalLow-Income Medicare Beneficiaries (ALMB)

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ALMBprovides two new benefits, Type 1 pays Medicare Part B premiums for personswhose income is at least 120% of poverty but not more than 135% of povertylevel. Type 2 pays a portion of the Medicare Part B premium for persons whoseincome is at least 135% of the federal poverty level but not more than 175% ofthe federal poverty level. This is a federal benefit and is only availableuntil the funds are exhausted. The asset limit is $4,000 for individuals and$6,000 for couples. Local Family Independence Agency offices determineeligibility for benefits. The Department of Community Health determines iffunds are available.

2002 Income Assets

Type 1 Individual $1,017/month($12,204/year) $4,000
Couple $1,364/month($16,368/year) $6,000
Type 2 Individual $1,313/month($15,756/year) $4,000
Couple $1,762/month($21,144/year) $6,000

MichiganMedicare/Medicaid Assistance Program

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MichiganMMAP is a statewide health insurance education counseling and assistanceprogram which responds to the concerns of seniors regarding Medicare, Medicare+ Choice managed care, Medicaid, supplemental insurance, long-term careinsurance, Medicare and Medicaid funds for long-term care, and other relatedbenefits issues. Direct counseling services are provided by volunteers trainedto help seniors understand the increasing complexities of health care coverage.Service is provided at senior citizen centers, churches, community centers,over the phone, and through home visits for those individuals with mobilitylimitations. Persons in need of assistance with their Medicare benefits ormanaged care, problems enrolling in QMB or SLMB (see description of programs),and/or understanding supplemental (Medigap) or long-term care insurance shouldcontact the MMAP toll-free at 1-800-803-7174.

AdditionalPrograms

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TheState of Michigan further supplements federal funding of numerous services toaid in the health and well-being of senior citizens. These services includecongregate meals, home-delivered meals, home health care, and staffing ofsenior centers. Over 12 million meals are provided to Michigan senior citizensanually. The Senior Nutrition Program provides meals in congregate settingssuch as churches or senior centers, and the Home-Delivered Meals Programprovides nutritious meals to more than 18,000 homebound senior citizens daily inthe state of Michigan.

FoodAssistance Program

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TheFood Assistance Program (formerly Food Stamp Program) is another means to helpreduce the high cost of meals. Food Assistance benefits are used to buy food orseeds and plants to grow food. Electronic Benefit Transfer (EBT) is the wayMichigan distributes Food Assistance benefits. Benefits are issued into a foodaccount using electronic technology and a debit card known as the MichiganBridge Card. The EBT card can be used at USDA-certified retailers withPoint-of-Sale (POS) devices. Only the recipient and their authorizedrepresentative can access the EBT account. Many senior citizens are eligiblefor Food Assistance benefits which help low-income households buy proper foodfor good health. This program is administered through the Family IndependenceAgency in cooperation with the U.S. Department of Agriculture. The followingincome deductions are allowed for households: a standard deduction, a deductionfor dependent care, a deduction for high shelter expenses, and a deduction forchild support expenses. Households with anyone 60 years or older or with amember who receives Social Security Disability (SSD) or Supplemental SecurityIncome (SSI) can also claim monthly medical expenses exceeding $35 for the seniorand/or disabled member of the household. Moreover, 80% of the gross earnedincome is counted. For additional information on the Food Assistance Program,contact your local Family Independence Agency.

AdditionalHealth Programs

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Healthmaintenance and preservation are further promoted through various other stateprograms. As people grow older, they require increased medical and personalcare assistance. The State of Michigan has responded to these needs byproviding help with homemaking, home health aides, personal and day care, andpreventive services to assist seniors with substance abuse problems.

NursingFacilities

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Otherimportant legislation that protects Michigans senior population concernsnursing facilities. The law prohibits physical, mental and emotional abuse,mistreatment, or harmful neglect of patients. It further establishes standardsof care and provides for remedies and penalties for violations of the law.Especially important to seniors and their families are the laws provisions guardinga patients rights. These safeguards include the right to appropriate care on anondiscriminatory basis, the right to be informed of medical conditions and torefuse treatment, to send and receive mail unopened, to manage ones ownfinancial affairs, to exercise ones rights as a citizen, to have visitors, andto retain personal belongings. Additionally, the Michigan Department ofConsumer and Industry Services is empowered to impose certain sanctions ifhomes are judged substandard. Admissions or readmissions may be suspended, anursing homes allowed capacity may be reduced, patients may be transferred toother homes, and nursing homes may be placed in receivership. The Department ofConsumer and Industry Services may send correction notices to the nursing homelicensee and the Family Independence Agency specifying what must be done toremedy violations of the law.

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Long-TermCare Ombudsman Program

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TheLong-Term Care Ombudsman Program is a system of state and local advocacyservices designed to address issues and problems faced by residents of licensedlong-term care facilities. Michigans Long-Term Care Ombudsman assists residentsof nursing homes, homes for the aged, adult foster care homes, and theirfamilies and friends who have questions and complaints. Ombudsmen can alsoprovide information about the Medicare and Medicaid systems and informationabout LTC policy and government regulations. In addition ombudsman staff canexplain the different kinds of care, how to find it, how it is paid for andinformation on specific facilities. Those needing ombudsman service shouldcontact their local area agency on aging or the Office of the State Long-TermCare Ombudsman at 1-866-485-9393.

RespiteCare

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Adultday care has grown rapidly over the past twenty years. Many of todays seniorsparticipate in programs which provide respite to caregivers as well asassistance to adults living alone.

Daycare for adults provides a mentally stimulating environment to help adultsmaintain or improve their level of functioning. Adult day care providesrecreational and social activities for adults during times when

theymight otherwise be alone. It also provides caregivers with a needed break tomanage their own affairs and to have their own private time.

Thegoals of an adult day care program include promoting the individuals maximumlevel of independence, rehabilitation, socialization, and peer interaction.Planned activities are based on the individual needs, interests, and abilitiesof the participants.

Individualswho participate in adult day care include the physically or mentally impaired,socially isolated, and others with such conditions as Alzheimers disease, heartdisease, stroke, Parkinsons, and other physical or mental handicaps.

Feesmay vary for care as well as for other services such as transportation, meals,and various types of health care.

Formore information on an adult day care center near you,

you maycontact the Michigan Association of Adult Day Services at

1-877-362-2322.

CareManagement

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CareManagement is a program that locates, mobilizes and manages a variety of homecare and other services needed by persons 60 years of age or older at risk ofnursing facility placement. An assessment is conducted to identify needs, andappropriate services are secured to enable the client to remain at home. Grantsare made to the area agencies on aging which administer the program locally.Eligibility for Care Management services is based on an individuals functionallimitations in performing daily living activities. There are no financialeligibility requirements, but a client may be asked to share in the cost of theprogram according to their ability to pay. An individual will not be deniedservices due to inability to pay.

Homeand Community-Based Services Waiver Program

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Nowavailable in all Michigan counties, the Home and Community-Based Services forthe Elderly and Disabled Waiver Program, also known as MI Choice, providesindividual assessment and coordination of services such as assistance withactivities of daily living, home-delivered meals, respite care and otherspecialized services to disabled adults and the elderly age 18 and older whomedically qualify for nursing facility placement but wish to continue living athome. Financial and medical eligibility requirements apply. A Medicaid-fundedprogram, MI Choice is currently administered by waiver agents across the state.To access the program in your community, contact your area agency on aging orvisit the Michigan Department of Community Health web page(http://miseniors.net/.

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ConsumerProtection

Legislation

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Consumerprotection is a serious concern to all citizens, but particularly to the manysenior citizens who have limited incomes and must live frugally in order tosurvive. The State of Michigan has enacted a considerable amount of legislationto ensure that people are not victimized by deception or fraud in purchasinggoods and services.

TheMichigan Consumer Protection Act (1976 PA 331) prohibits 32 unfair or deceptivetrade methods, acts, or practices. Most importantly, however, it providesconsumers, including senior citizens, with the opportunity to seek redress byfiling a lawsuit in court or a complaint with the county prosecuting attorneyor the state attorney general. The law further allows for an award of actualdamages or $250, whichever is greater, together with reasonable attorneys feesfor a consumer who can prove violations of the law. Moreover, countyprosecutors and the attorney general are empowered to conduct investigations,seek a subpoena through the courts, and bring legal action against thosecharged with deceptive trade practices.

Inaddition, the Pricing and Advertising of Consumer Items Act (1976 PA 449)requires, with certain exemptions, that retail merchandise be individuallyprice-marked. It allows consumers to comparison shop more easily. It alsoprovides a specific remedy for situations in which a price charged as a resultof an identification or calculation by an automated checkout system exceeds themarked price.

LegalAssistance (Title III-B)

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Legalassistance is also available to seniors 60 years and older through programsfunded under the Older Americans Act. Services are targeted to seniors who areconsidered most economically and socially needy. Services include, at aminimum, representation, advice/counsel, and legal education. The OlderAmericans Act has established the following priorities for Title III-B legalservices: income, health care, long-term care, nutrition, housing and utilities,defense of guardianship, abuse and neglect, and age discrimination. Prioritiesmay vary between programs depending on staff expertise and contractualagreements with the area agency on aging they serve. There are no incomeeligibility guidelines nor fees charged for services; however, donations areaccepted. Seniors should contact their local area agency on aging for thenearest senior legal assistance program.

LegalHotline for Michigan Seniors

1/800/347-5297

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TheLegal Hotline for Michigan Seniors, staffed by specially-trained attorneys, isavailable to all Michigan residents 60 years and older regardless of income.Hotline attorneys determine if callers have a legal problem, give free legalinformation over the phone, and provide brief service such as calling a thirdparty or writing a letter to resolve a legal problem. Problems that cannot beresolved by the hotline are referred to legal aid organizations for low-incomeclients, legal assistance programs serving seniors, pro bono panels, or to aspecially-created panel of attorneys in private practice who agree to chargereduced fees.

Additionalinformation about consumer protection can be obtained by contacting theMichigan Department of the Attorney Generals Consumer Protection Division, P.O.Box 30212, Lansing 48909, toll-free at 1-877-765-8388, or visit the AttorneyGenerals web site (http://www.ag.state.mi.us).

Housing

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Althoughmost Michigan seniors own their own homes, it would be a mistake to assume thatis the end of senior housing problems. Maintenance of the home, both physicallyand financially, presents a challenge that increases as the senior grows older.While all agree that most seniors prefer to remain in their homes, amongfriends and in familiar settings, rather than move to an apartment orinstitutional setting, it is sometimes difficult for a senior to continue tosupport the home. Both for homeowners and for renters, there is a range ofoptions to allow seniors to live in an independent housing arrangement as longas possible.

Thebest single source of housing information for a senior is the shelter advisornetwork. These individuals, working mostly through your local area agency onaging, maintain up-to-date knowledge on a wide range of housing options andresources in your community. A list of local area agencies on aging begins onpage 27.

HomeRepair

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To helpwith home repairs, loan and grant funds are available from a number of sources.Your local shelter advisor may know of resources through the local unit ofgovernment or neighborhood organization, the community action agency, theMichigan State Housing Development Authority (MSHDA), the Family IndependenceAgency State Emergency Relief Program or, in rural areas, the U.S. Departmentof Agricultures Rural Economic and Community Development Service.

SeniorRental Arrangements

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Forseniors who wish to live with other seniors in a rental unit, or who mayrequire some form of assistance with daily activities such as meals ortransportation, various rental arrangements are available. Information onsenior apartments can be obtained through the local housing authority or yourlocal shelter advisor. Other care arrangements can be located through yourshelter advisor or various specialized contacts. A list of adult foster care homesin your area can be obtained by contacting the Division of Adult Foster CareLicensing at (517) 373-8580. Information on homes for the aged can be receivedthrough the Department of Consumer and Industry Services at (517) 241-3838.Other listings of senior residential facilities can be located through theMichigan Association of Homes and Services for the Aging at (517) 323-3687 orunder Retirement and Life Care Communities and Homes or Assisted Living in theYellow Pages of the telephone book.

RentalLease Breaking

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Michiganlaw allows low-income senior citizens to terminate rental agreements if theyqualify and are offered the opportunity for subsidized senior housing. Tenantswho qualify must have occupied their rental unit for more than 13 months, andprovide a 60-day written notice. The law also applies to tenants who can nolonger live independently. To be released from rental agreements under thesecirc*mstances, a notarized statement from a physician is necessary.

Specific Legal Protections for Senior Housing

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Seniorswhose rental units are being converted to condominiums and seniors withdisabilities living in rental units, including apartments and mobile homeparks, are covered by special legislation. Contact the Michigan Office ofServices to the Aging at (517) 373-8230 for details.

Transportation

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Formany elderly citizens, accessible and affordable public transportation meansfull mobility and access to services in the community. The lack oftransportation, especially in rural areas, is a serious barrier thatsignificantly affects the lifestyle of the elderly. Depending on geographicallocation and specific transportation needs, an elderly citizen can use eitherfixed-route bus service (designated routes with bus stops) or demand response busservice that provides curb-to-curb or door-to-door service with an advancereservation.

As offiscal year 2002, there were 16 public transit agencies providing urbantransportation in cities such as Detroit, Flint and Lansing. In addition, 58nonurban local systems provided valuable services to their residents. Many ofMichigans older adults and people with disabilities look to specializedservices as a means of transportation. One hundred and thirty-seven (137)private, nonprofit agencies were the recipients of state specialized servicesfunds distributed throughout 56 counties and townships. In addition, theregional transportation program is designed to provide seamless transportationby facilitating travel across county lines in specific areas of the state. Manyof the transportation services mentioned above provide transportation for theelderly to and from their homes to the nearest intercity rail or bus terminal.

Forfurther information about public transportation availability, an elderly citizenshould contact the local transit agency or seek advice from the area agency onaging serving his or her community. A listing of the states public transitagencies can be obtained by calling the Michigan Department of Transportation(MDOT) at (517) 373-2835 or on their website athttp://www.mdot.state.mi.us/uptran/ptd/providers.

Energy

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Inaddition to Michigans home heating tax credit, energy assistance is provided tolow-income senior citizens through various other means, both federally andstate funded. The State Emergency Relief Program helps low-income householdswith emergency heating assistance, as well as other non-heating energy needsthat cause a threat to life or health. Eligibility is based on income,household assets, and the need for emergency service. For more information,contact your local Family Independence Agency office or call the Home HeatingEnergy Assistance Hotline at 1-800-292-5650.

Certainutility companies also provide special services for senior citizens. Theservices may include

wintershut-off protection, special rates, discounts on labor and diagnostic chargesfor appliance repairs, exemptions from late payment charges, free home energyanalysis, and emergency fuse replacement. Other energy conservation programsare also available for residential customers. For more information concerningthese services, check with your local utility company.

SeniorCommunity Service Employment Program

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Communityservice employment for mature Americans was initially authorized in 1973 underthe Older Americans Act. The purpose of the program is to promote part-timepublic service and private-sector employment opportunities for persons aged 55and older who have low incomes, i.e., 125% of poverty level. In order tofurther the purpose and goals of the program, the Secretary of Labor isauthorized to enter into agreements with national organizations and agencies ofa state government. Not more than 90% of the cost of any project may besupported with federal funds. The remaining 10% must come from other sources.

Significantly,Senior Community Service Employment Program (SCSEP) projects contribute notonly to the general welfare of communities, i.e., through public service inhospitals, schools, social service agencies, historical sites, etc., but alsoresult in an increase in employment opportunities over and beyond whatotherwise would be available. To the fullest extent possible, such projectsprovide training opportunities and community assignments for minorities,Indians, and limited English-speaking individuals in proportion to their totalnumbers in the state.

Inaddition to the grant to the Office of Services to the Aging, the United StatesDepartment of Labor funds seven national contractors in Michigan. They are:

(1)Green Thumb, Inc.

(2) TheAmerican Association of Retired Persons Foundation (AARPF)

(3) TheU.S. Forest Service

(4) TheNational Senior Citizens Education and Research Center (NSCERC)

(5) TheAsociaciùn Nacional Por Personas Mayores

(6) TheNational Urban League

(7) TheNational Indian Council on Aging

For the1997-98 program year, 1,970 positions were authorized for projects in Michigan.Twenty percent of the positions were administered through the grant to theOffice of Services to the Aging. Projects are to cooperate in efforts to assurethat the positions are distributed equitably to each county in the state.

Whilethe program is viewed as providing community service assignments, the UnitedStates Department of Labor has set an annual goal of transitioning 20% ofprogram participants into unsubsidized, private employment. In that regard, amajor focus of the program is giving participants the opportunity, throughsubsidized employment, to learn or regain skills that will make themmarketable.

Morethan 66% of the Office of Services to the Aging SCSEP participants are placedin agencies that provide services to the mature population. The largest servicearea is Senior Center/Nutrition Programs. Senior center placements comprise 16%of SCSEP assignments, and nutrition services rank second with 11%.

TheUnited States Department of Labor/Office of Services to the Aging grantprovides services through 15 subcontracts. Each of the 13 participating areaagencies on aging and Operation ABLE operate subprojects. Operation ableproject participants who fill positions serve as employment aides. They assistmature persons who are seeking employment through the One-Stop Career Centers.However, most positions are placed through area agencies on aging. Informationfor job seekers and employers may be obtained by contacting Operation ABLEthrough the Older Worker Hotline, 1-800-922-HIRE (4473).

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Money

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Mostsenior citizens live on fixed incomes. Although many earn additional money byworking, the majority receive financial support through such means as SocialSecurity, pensions, Supplemental Security Income payments, veterans benefits,and personal savings.

TheState of Michigan funds and administers five retirement plans. They include:

(1) theMichigan Public School Employees Retirement System

(2) theState Employees Retirement System

(3) theJudges Retirement System

(4) theState Police Retirement System

(5) theLegislative Retirement System

Theseretirement systems are designed to provide employees or their beneficiarieswith security in their senior years through a retirement income, as well asbenefits for disabled employees. Information on state retirement plans may beobtained by contacting the Michigan Department of Management and Budgets Officeof Retirement Systems, P.O. Box 30171, Lansing, MI 48909-7671, at (517)322-5103 or 1-800-381-5111.

IndividualRetirement Accounts

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Anothermethod that may be available to increase income for seniors is through savingsaccrued in individual retirement accounts (IRAs) for employed individuals andtheir spouses, which, under certain conditions, are tax deductible until theyare withdrawn at age 591Ú2 or older. Moreover, the Federal Taxpayer Relief Actof 1997 expanded the types of IRAs available for savings.

SeniorDiscount Programs

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Seniordiscount programs, operated by many service provider organizations, are yetother means for stretching limited incomes. Numerous benefits are available toresident seniors when they apply for certain licenses. Persons 65 years and olderare eligible for free identification cards issued by the Michigan Department ofState. Additionally, a person in this age bracket is currently charged areduced rate for certain hunting and fishing licenses. The senior licensediscount lowers regular license fees for a small game license, firearm deerlicense, bow and arrow deer license, combination deer license, bear huntinglicense, wild turkey hunting license, fur harvesters license, restrictedfishing license, or all-species fishing license fees by sixty percent. Thespecial annual state park permit fee is one fourth the amount of the annualpark permit.

DirectDeposit of Social Security Payments

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One ofthe conveniences offered to senior citizens is direct deposit of SocialSecurity payments. Each month your whole check may be deposited automaticallywith your financial institution. In addition, you can designate that the fundsbe placed in either your checking or savings account.

Thisservice is offered to people with a savings or checking account in a bank,savings and loan, or federal- or state-chartered credit union. The UnitedStates government will forward payments to the institution you specify, andauthorizes deposits but not withdrawals. You can take advantage of this type ofdeposit if you receive Social Security payments, Supplemental Security Incomepayments, or Coal Miners Health Benefit payments.

Directdeposit is a security measure as well as a convenience. Many people in areaswith a high crime rate prefer using the direct deposit service. The servicehelps to protect the intended deposit and the depositor from theft.

Forfurther information, contact your local bank or credit union.

DirectDeposit of Income Tax Refunds

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InMichigan most taxpayers have the option of having their income tax refunddeposited directly into their bank accounts. To have your refund depositeddirectly into the U.S. financial institution of your choice, attach the DirectDeposit of Refund form 3174 to your MI-1040 or MI-1040EZ tax form. If you arenot filing a MI-1040 or MI-1040EZ, attach the form to your property tax creditclaim (MI-1040CR or MI-1040CR2) or your home heating credit claim (MI-1040CR-7).

Sometaxpayers may not be eligible for direct deposit. If for some reason theDepartment of Treasury cannot deposit your refund directly, they will send youa check. When requesting direct deposit, be sure that your financialinstitution will accept direct deposit, that the name(s) on the return matchthe name(s) on the bank account, and that your account number and routingtransit number are correct.

At thefederal level, the IRS offers direct deposit of tax refunds on electronicfiling returns and TeleFile returns. Direct deposit is also available on paperForms 1040, 1040PC, 1040NR, 1040A, and 1040EZ. Request direct deposit onnonelectronic returns by filling out the requested information (routing transitnumber, bank account number, account type) in the refund area of the return.

Directdeposit refunds offer taxpayers many advantages over a refund check, includingspeed, security, and convenience. Direct deposit refunds are also lessexpensive for the government to issue than paper checks. Taxpayers selectingthe direct deposit option will be helping to hold down the cost of government.

PersonalNeeds

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Personalrelationships change as we grow older and this is especially true for seniorcitizens. Some seniors may find themselves subject to abuse or exploitation.Solving these problems is often difficult, but two Michigan laws can help.

Aremedy for abuse of senior citizens is provided by 1982 PA 519. This lawrequires human services providers to report to the Michigan Family IndependenceAgency any suspected incidents of abuse, neglect, exploitation, or endangermentinvolving an adult. This legislation was strengthened by the enactment of 1990PA 122, which established a measure by which the caretaker of an abused adultcould be held accountable for abusing an adult for whom he or she isresponsible. Moreover, this 1990 law requires county Family IndependenceAgencies to collaborate with appropriate local substance abuse agencies incases where the abuse, neglect, or exploitation of an adult involves substanceabuse.

Anotherset of laws highly beneficial to many seniors passed when the Estates and ProtectedIndividuals Code (EPIC) was amended in 2000 by a comprehensive package oflegislation to protect those persons served by guardians. These laws (2000 PAs463-469), in part, offer alternatives to full guardianship, require minimumvisitation schedules, and provide certain protections against unapprovedactions taken in regard to a wards property.

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VolunteerPrograms

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Retiredand Senior Volunteer Program

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TheRetired and Senior Volunteer Program (RSVP) offers senior citizens a meaningfullife in retirement through volunteer service that is responsive to communityneeds. RSVP provides opportunities for persons aged 55 and older to serve on aregular basis in a variety of settings throughout their communities. RSVPfunctions under the auspices of an established community service organizationwith funding, support, and technical assistance from the Corporation forNational Service, the State of Michigan and the local community. Seniorvolunteers serve without compensation, but may be reimbursed for such expensesas transportation and meals. Insurance protection is provided to volunteerswhile on assignment. Contact the Michigan Office of Services to the Aging at(517) 373-8230 for additional information.

FosterGrandparent Program

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TheFoster Grandparent Program (FGP) offers low-income men and women aged 60 andolder the opportunity to provide companionship and guidance to children withspecial and exceptional needs. Volunteers serve 20 hours per week and in returnreceive a modest tax-free stipend to cover the cost of volunteering, accidentand liability insurance, assistance with transportation, an annual physicalexamination, training, and a meal on service days. Potential volunteers musthave income at or below the established guidelines to be eligible for the FGP.Contact the Michigan Office of Services to the Aging at (517) 373-8230 foradditional information.

SeniorCompanion Program

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TheSenior Companion Program (SCP) offers low-income men and women aged 60 andolder the opportunity to provide individualized care and assistance to otheradults, especially seniors living at home or in institutions. Senior companionsserve 20 hours per week and in return receive a modest tax-free stipend tocover the cost of volunteering, accident and liability insurance, assistancewith transportation, an annual physical examination, training, and a meal onservice days. Potential volunteers must have income at or below the establishedguidelines to be eligible for the SCP. Contact the Michigan Office of Servicesto the Aging at (517) 373-8230 for additional information.

Agenciesof Government Which Assist Seniors

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Althoughnumerous state departments have programs aimed at assisting seniors,statutorily-created agencies or councils on aging have existed since 1955 tostudy the problems seniors face and to make recommendations to the governor andto the legislature for improved senior services.

TheLegislative Advisory Council on Problems of the Aging was created by 1955 PA200. The council studied the needs and problems of seniors in such areas asemployment, health, education, recreation, housing, and institutional care. Oneresult of this work was the establishment of the Michigan Commission on Aging,which was created by 1960 PA 11 as an independent state agency. Following theadoption of the Constitution of the State of Michigan of 1963, however, theCommission on Aging was transferred to the Department of Social Services by1965 PA 380. Basically, its work involved advocacy for seniors and annualrecommendations to the governor for improved state programs for seniorcitizens.

TheCommission on Aging was abolished by 1973 PA 106, which, in its place, createdthe Office of Services to the Aging, as an independent two-year agency withinthe Office of the Governor with the responsibility of planning, coordinating,and promoting services for senior citizens. The office developed the MichiganComprehensive Plan on Aging and designated 13 planning and service areas, aswell as area agencies on aging. 1975 PA 146 created the Office of Services tothe Aging within the Department of Management and Budget and the MichiganCommission on Services to the Aging to advise the governor and legislature. Theenactment of 1980 PA 210 granted full autonomy to the Office of Services to theAging within the Department of Management and Budget, and Executive Order No.1997-5 moved the office to the Michigan Department of Community Health.

In1981, the Older Michiganians Act, 1981 PA 180, became law. The act madeadvocacy and administering state and federal programs serving seniors theprimary responsibilities of the Commission on Services to the Aging, the Officeof Services to the Aging, and area agencies on aging designated by thecommission.

TheCommission on Services to the Aging consists of 15 members appointed by thegovernor with the advice and consent of the Senate. In addition to advocacy forsenior citizens, the commissions responsibilities include reviewing andapproving grants administered by the Office of Services to the Aging;designating planning and service areas and area agencies on aging within eachplanning and service area; and participating in the preparation and approval ofthe state plan and budget required by the federal Older Americans Act of 1965.

Thegovernmental body in Michigan that plans, coordinates, and administers seniorservices is the Office of Services to the Aging, which is primarily responsiblefor advocating on behalf of seniors within all levels of government and withprivate and public agencies. It works to enhance the lives of senior citizensby administering and funding numerous state programs. Further information aboutthe office and its functions for the elderly can be obtained directly bycontacting the Office of Services to theAging at (517) 373-8230 or through the agencys website at MISeniors.net.

AreaAgencies on Aging

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At thelocal level, area agencies on aging, which are authorized by both the federaland state government, are designated by the Commission on Services to the Agingto serve the needs of senior citizens within specified planning and serviceareas. There are now 16 such area agencies on aging in Michigan to serve asfocal points for community services and programs for senior citizens. Theseagencies are particularly helpful to seniors in need of information aboutservices available to them in their local communities. They are as follows:

DetroitAgency on Aging

133Brewery Park Boulevard

Suite200

Detroit,Michigan 48207

Phone:(313) 446-4444

Fax:(313) 446-4445

Serves:Cities of Detroit, Hamtramck, Highland Park, Grosse Pointe, Grosse Pointe Park,Grosse Pointe Shores, Grosse Pointe Woods, Grosse Pointe Farms, Harper Woods

AreaAgency on Aging 1-B

29100Northwestern Highway, Suite 400

Southfield,Michigan 48034

Phone:(248) 357-2255 or 1-800-852-7795

Fax:(248) 948-9691

Serves:Counties of Livingston, Macomb, Monroe, Oakland, Washtenaw, St. Clair
Region 1-C

TheSenior Alliance, Inc.

3850Second Street, Suite 201

Wayne,Michigan 48184

Phone:(734) 722-2830

Fax:(734) 722-2836

Serves:All of Wayne County excluding those communities served by the Detroit Agency onAging

RegionII Area Agency on Aging

8363U.S. Highway 12

Onsted,Michigan 49265

Phone:(517) 467-2204

Fax:(517) 467-9113

Serves:Counties of Jackson, Hillsdale, Lenawee

RegionIII-A Kalamazoo County Human Services Department

OlderAdult Services

P.O.Box 42

Nazareth,Michigan 49074-0042

Phone:(616) 373-5147

Fax:(616) 373-5109

Serves:Kalamazoo County

RegionIII-B Area Agency on Aging

SeniorResources of Southwest Michigan

200West Michigan Avenue

BattleCreek, Michigan 49017

Phone:(616) 966-2475 or 1-800-626-6719

Fax:(616) 966-2493

Serves:Counties of Barry, Calhoun

RegionIII-C Branch-St. Joseph Area Agency on Aging

Branch-Hillsdale-St.Joseph District Health Department

570Marshall Road

Coldwater,Michigan 49036

Phone:(517) 279-8009 or 1-888-615-8009

Fax:(517) 278-2923

Serves:Counties of Branch, St. Joseph

RegionIV Area Agency on Aging, Inc.

2900Lakeview Avenue

St.Joseph, Michigan 49085

Phone:(616) 983-0177 or 1-800-442-2803

Fax:(616) 983-5218

Serves:Counties of Berrien, Cass, Van Buren

ValleyArea Agency on Aging

711North Saginaw, Room 325

Flint,Michigan 48503

Phone:(810) 239-7671

Fax:(810) 239-8869

Serves:Counties of Genesee, Lapeer, Shiawassee

RegionVI Tri-County Office on Aging

5303 S.Cedar Street, Building No. 1

Lansing,Michigan 48911-3800

Phone:(517) 887-1440

Fax:(517) 887-8071

Serves:Counties of Clinton, Eaton, Ingham

RegionVII Area Agency on Aging

126Washington Avenue

BayCity, Michigan 48708

Phone:(989) 893-4506 or 1-800-858-1637

Fax:(989) 893-2651

www.region7AAA.org

Serves:Counties of Bay, Clare, Gladwin, Gratiot, Huron, Isabella, Midland, Saginaw,Sanilac, Tuscola

AreaAgency on Aging of Western Michigan, Inc.

1279Cedar Street, N.E.

GrandRapids, Michigan 49503-1378

Phone:(616) 456-5664

Fax:(616) 456-5692

Serves:Counties of Allegan, Ionia, Kent, Lake, Mason, Mecosta, Montcalm, Newaygo,Osceola

RegionIX Area Agency on Aging

NortheastMichigan Community Service Agency, Inc.

2375Gordon Road

Alpena,Michigan 49707

Phone:(989) 356-3474

Fax:(989) 354-5909

Serves:Counties of Alcona, Arenac, Alpena, Cheboygan, Crawford, Iosco, Montmorency,Ogemaw, Oscoda, Otsego,

Presque Isle, Roscommon

AreaAgency on Aging of Northwest Michigan

NorthwestSenior Resources, Inc.

1609Park Drive

P.O.Box 5946

TraverseCity, Michigan 49696

Phone:(231) 947-8920 or 1-800-442-1713

Fax:(231) 947-6401

Serves:Counties of Antrim, Benzie, Charlevoix, Emmet, Grand Traverse, Kalkaska,Leelanau, Manistee, Missaukee, Wexford

RegionXI Area Agency on Aging

UPCAPServices, Inc.

250114th Avenue, South

P.O.Box 606

Escanaba,Michigan 49829

Phone:(906) 786-4701

Fax:(906) 786-5853

Serves:Counties of Alger, Baraga, Chippewa, Delta, Dickinson, Gogebic, Houghton, Iron,Keweenaw, Luce, Mackinac, Marquette, Menominee, Ontonagon, Schoolcraft

RegionXIV Senior Resources of West Michigan

255West Sherman Boulevard

MuskegonHeights, Michigan 49444

Phone:(231) 739-5858 or 1-800-442-0054

Fax:(231) 739-4452

Serves:Counties of Muskegon, Oceana, Ottawa

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