Money, Safety & Health
Money Saving Resources
Find affordable and subsidized housing in Albany County (and throughout the State) search on the New York State web sites:http://www.albanyguardiansociety.org/pdfs/HousingDirectory_2008_web.pdf begin.htm www.dhcr.state.ny.us/general/seniors.htm (518) 447-7177.
Low income seniors may receive help for home weatherization and energy bills through HEAP, WRAP or LAST RESORT. HEAP, (Heating and Energy Assistance Program), can help low income seniors pay for heating/energy costs WRAP, (Weatherization Referral And Packaging) Program provides insulation, & old window, door weather stripping to help (LAST RESORT) Program may help pay for additional home upgrades not covered by WRAP. Call (518) 756-8650 for more information, & for guidelines see www.albanycounty.com/departments/aging/programs_services.asp?id=87
The EmPower New York Program is for low income customers and may provide free energy saving upgrades. Call 1-800-263-0960 or visit the NYSERA website for more info. http://www.getenergysmart.org/LowIncome/EmPower.aspx
NYSERDA The New York Energy $martSM Loan Fund program is offered for the purpose of providing loans for certain energy-efficiency improvements and/or renewable technologiesat a reduced interest rate for a term up to 10 years. Call 1-800-263-0960 or visit:www.nyserda.org/loanfund
Grant $ or low interest loans for home repair or accessibility and home adaptations may be available for income seniors. For more information call (518) 447-7177 or the Department for Housing and Community Renewal at (518) 486-5012.
Low income rural residents in Albany County may be eligible for grant $ or low interest loans for home repair or modification. For more information call the USDA Rural Development Service Center at (518) 762-0077 x4 or see www.rurdev.usda.gov/ny.
Low cost home maintenance and other services for seniors and the disabled are provided by Umbrella of the Capital District, a non profit organization. Call (518) 346-5249 or see: www.theumbrella.org
Reverse Mortgage Counseling is available with the Rural Housing Alliance in Albany County call (518) 756-3656 or 235-3920 or see:http://www.acrha.org/housingcounseling4.html
National Coalition on Aging study shows how Reverse Mortgages can help senior pay for Long Term Care at home, see their website at:http://www.ncoa.org/content.cfm?sectionID=105&detail=834 For more info call: (202) 479-6975
You may be eligible for a STAR TAX Exemption, call your local town assessor. To search for contacts, data, or tax rates in your area see the NYS Office of Real Property Services website: www.orps.state.ny.us/cfapps/MuniPro/muni_theme/county/county.cfm?swis=01
EPIC is a New York State sponsored low cost supplemental prescription plan for senior citizens (65+) who need help paying for their medications. For information, coverage and eligibility see: http://www.health.state.ny.us/health_care/epic/ or call EPIC at: 1 (800) 332-3742 (TTY 1 (800) 290-9138) for more information or to request an application.
Medicare Savings Programs can pay for Part B monthly premiums, health insurance premiums, and co-insurance costs. This site also givesMedicaid eligibility rates. To find out current eligibility rates see:http://www.health.state.ny.us/health_care/medicaid/program/update/savingsprogram/medicaresavingsprogram.htm or call (518) 447-7177.
Long Term Care Insurance and the NYPartnership helps New Yorkers to protect some or all of their assets and resources in case long-term care needs (ex: nursing home) extend beyond the period covered by their private insurance policy. Call (518) 447-7177 for more information see:http://www.nyspltc.org/
The Legal Aid Society’s Nutrition Outreach and Education Program can assist seniors 60+ determine eligibility for Food Stamps and assist with the application and the interview. Call (518)462-6765 x 327.
Free legal consultation is available for seniors 60+ on a variety of issues including: Social Security, SSI, Pensions, Medicare and Medicaid issues, financial exploitation, consumer issues, etc. For an intake site call (518)447-7177, or call Legal Aid at: (518) 462-6765
To find an elder law or Medicaid law attorney call: (518) 463-2200 or call Legal Aid at (518) 462-6765
Information about Estate Planning and Wills can be found at: http://www.aarp.org/bulletin/yourmoney/Articles/a2004-02-26-will_power.html; living will information can be found at http://www.oag.state.ny.us/seniors/living_trust.html; or call NYS Bar Association to find an attorney at (518) 463-2200.
Low income seniors may be eligible for the Verizon Lifeline telephone discount, for more information call the Department for Aging I & A line at: (518) 447-7177 or see:http://www22.verizon.com/about/community/ny/ny_files/NY_Lifeline_2_Letter.pdf
Half Fare CDTA bus card for Seniors (65+) and disabled, call 518-447-7177, and for guidelines and more info and see: http://www.cdta.org/riding/fares_half.php
A limited supply of Farmers’ Market Coupon Book ($20) are made available in early summer (one time only) to local senior centers and groups. Call the Department for Aging I & A line at (518) 447-7177 for more information.
Consumer Credit Counseling Service is a non profit service that provides counseling for credit/budget, bankruptcy and debt management. Call (518) 482-2227 or see: http://www.cccscny.org/
Free 1040 Income Tax assistance from the AARP Tax-Aide program from February 1st – April 15th; to find a site near you call 1-888-687-2277 or see https://locator.aarp.org/vmis/sites/tax_aide_locator.jsp
The NYS Attorney General's website http://www.ag.ny.gov/our_office.html can advise seniors on a variety of issues. Find resources on a variety of issues including health care proxy, fraudulent trade practices and idenity theft at: http://www.ag.ny.gov/resource_center/resource_center.htmlCall 1 (800) 771-7755 for more information.
Consumer protection information such as: hiring a home improvement contractor, protecting yourself from scams and identity theft, how to get on the "do not call" list, compare area gasoline prices, or free credit reports can be found on the NYS Consumer Protection Board website:http://www.nysconsumer.gov/ or call (518) 474-8583.
Homeowners and renters can purchase flood insurance even when located in high risk areas. To find a National Flood Insurance Program (NFIP) agent near you, call: 1-800-427-2419 or see website: www.floodsmart.gov
The New York State Board of Pharmacy publishes an annual list of the 150 most frequently prescribed drugshttp://rx.nyhealth.gov/pdpw/SearchDrugs/Home.action, in the most common quantities. The New York State Department of Health collects retail price information on these drugs from pharmacies that participate in the Medicaid program and from pharmacies that submit their retail price information directly to the Department of Health. This site allows you to search for specific drugs from the most frequently prescribed drug list.
Seniors (or others concerned about a senior) dealing with financial abuse, self neglect or neglect by a caregiver, physical abuse, emotional/verbal abuse, sexual abuse, can contact Albany County Adult Protective Services by calling (518) 447-7177; or the Albany County Crime Victim and Sexual Violence Center at: (518) 447-7716 (hotline) or (518) 447-5500 (office) for assistance. For more info see the National Center on Elder Abuse at www.ncea.aoa.gov/ncearoot/main-site/index.aspx
Home and neighborhood safety tips for seniors can help to prevent crime. Check out these two documents from the National Crime Prevention Council:
Safer Seniors (http://www.ncpc.org/cms/cmsupload/ncpc/files/saferseniors.pdf);
A Safety Checklist for Apartments (http://www.ncpc.org/resources/files/pdf/neighborhood-safety/aptchk.pdf)
Did you know the FCC mandates that any used/charged cell phones can call 911 operator in case of emergency(even if phone is not receiving service)? See www.usedcellphones.com
In the event of an emergency or disaster, the Albany County Sheriff's Department can assist special needs residents. Evacuation Registration Request Form for Special Needs. For more information call, (518) 720-8025 or CLICK HERE to download the application [PDF*].
NYS Office for Aging website has tips on ways to make your home safe and more accident free at:http://www.cdc.gov/ncipc/duip/preventadultfalls.htm Call (518) 474-7158 for more information.
The American Red Cross of Northeastern New York provides a free emergency preparedness program for groups called, ‘Get Ready-Be Safe.’ The program teaches how to create a preparedness kit and a family disaster plan. For information about scheduling a presentation for your group, contact Jim Greene, Community Preparedness Coordinator, at (518) 458-8111 ext. 3011, or firstname.lastname@example.org or see website:www.redcrossneny.org
For senior drivers AARP Driver Safety Program is an 8-hour classroom refresher that can help you learn the effects of aging on driving and ways to adjust. Most classes are taught in two, four-hour sessions spanning two days, and the course costs $10.You can search by zip code to find upcoming classes near you. drivers safety classes call 1-888-687-2277 or see listing for classes at: www.aarp.org/families/driver_safety/wrapper_driver.py
AAA offers a six-hour accident prevention course for members and non-members. Upon completion, your certificate will help you receive a 10% discount on your car insurance. The class is held at 618 Delaware Ave, Albany. For more information, cost and to enroll call 426-1000 ext. 2605 or see the website: www.aaahv.com/automotive/driverimprovement.jsp
“When You Are Concerned: A handbook for families, friends and caregivers worried about the safety of an aging driver”http://www.aging.ny.gov/Caregiving/OlderDriver/DriverIntroduction.cfm call (518) 474-7158 for more information.
If you have concerns about a driver because of their medical condition, any concerned individual or the person’s Doctor can notify NYS Department of Motor Vehicles of a possible condition and request a driver review. For more information about the process see:www.nydmv.state.ny.us/license.htm#drivermed. To download the DMV forms go to: www.nydmv.state.ny.us/forms/ds6.pdf. Forms can be obtained at NYSDMV, 224 South Pearl St. Albany, NY 12202
NYS Office of the Attorney General publishes: The Smart Seniors guide which advises on ways to protect against predatory scams and make wise purchases at http://www.oag.state.ny.us/seniors/seniors.html call 1 (800) 771-7755.
Free cancer screenings for uninsured or underinsured eligible for men and women for: Colorectal cancer, Pap test, breast exam, mammogram and prostate education. Treatment also covered if positive results are found through our screenings. Call the Healthy Living Partnership, a Division of NYS Cancer Services Program Partnership, at (518) 454-4017.
The Access to Home Program provides funding for to make the home accessible: including ramps, widening doors etc. for low income disabled. For more information call: (518) 447-7177 or visit http://www.dhcr.state.ny.us/ahd/.
The Star Bus Paratransit services disabled who cannot ride or access the CDTA bus. For certification and application call: (518) 482-2022 or see: http://www.cdta.org/riding/star_forms.php
A health care proxy can authorize another person to make decisions when patient unable to do so and will explain what procedures to avoid. The NYS Attorney General’s website provides forms and information about the law. For a health care proxy form, call 1-800-771-7755 or see:http://www.oag.state.ny.us/health/care_proxy.html
Health services and health information for Albany County residents including free evaluation and home care plan, also intake for Home Delivered Meals program. Call (518) 447-4600 or see: www.albanycounty.com/departments/health/programs_services.asp?id=171
Albany County Mental Health services It is our mission to ensure that persons with mental illness, substance and alcohol problems or developmental disabilities are provided a full range of services that promote stabilization, rehabilitation and recovery Call: (518) 447-4555,www.albanycounty.com/departments/mentalhealth/programs_services.asp?id=174
Hearing Loss Association of Albany (HLAA) is a resource for the needs of persons with hearing impairment including technological advancements and ways to coping with special problems. For more information email email@example.com or call (518) 525-1375
People with Visual Impairments can find Information and referrals from the Northeast Association for the Blind at (518) 463-1211 or see their website at: www.naba-vision.org
New York State Department of Health website has important health information topics at: http://www.health.state.ny.us/
Medline http://nihseniorhealth.gov/ website for National Library of Medicine and National Institute on Health, searchable topics covering:diseases, wellness, drugs and supplements, and current health issues.
See the US Health and Human Service website for health info at: www.hhs.gov/
The Food and Drug Administration’s website at http://www.fda.gov/ provides information on a variety of tops including losing weight, nutrition, drugs, over-the-counter medication, product safety and recalls.
Pocket guide for staying healthy for those over 50. To order a copy call: 1-800-358-9295 or see: www.ahrq.gov/ppip/50plus/
Patient Advocate Foundation is a national non-profit organization that seeks to safeguard patients through effective mediation assuring access to care, maintenance of employment and preservation of their financial stability. Services are free. For further information, please call 1-800-532-5274 or visit the Foundation's website at www.patientadvocate.org.
The Environmental Protection Agency Aging Initiative has produced environmental hazard ‘Fact Sheets’ to inform seniors and caregivers about health risks related to exposure. Seniors who suffer from: diabetes, heart disease, Chronic Pulmonary Disease and asthma, are especially vulnerable. To download copies of the fact sheets go to:http://epa.gov/aging/resources/factsheets/index.htm#ehwhh or call (518) 447-7177 for more info.