By Regina Warshawski
There comes a time in life when change becomes inevitable. People think they will live in their home forever, but that’s not always possible. It may be due to financial issues, the loss of a spouse, or simply reaching the point when one is no longer able to care for a large home. That’s when it’s time to look in to senior housing.
The term ‘senior’ can be misleading. People automatically think when you say senior you’re talking about assisted living, but that’s not always the case. There are options for people over 62 who are on a limited income, but still able to live independently. For them, HUD Housing, which offers subsidized rent, is available. Because this type of housing is in high demand, it’s advisable to start planning early, since there’s usually a waiting list to get in.
Before you begin, you must be sure you or your loved one meets HUD Criteria.
- The person must be 62 years of age or older.
- The person must be financially eligible.
- The person has to be able to live independently.
Then the next step is to request an application from the building of your choice. Some local options include Weinberg Place, Weinberg House, Weinberg Gardens, Weinberg Terrace, Weinberg Woods, Weinberg Manor East, West and South and the Weinberg Villages.
When completing the application, you must submit the following required documentation:
- Birth certificate
- Social Security card
- Award letter from Social Security and/or pension
- Statement of any other form of income you might have
- Last six month of checking account statements ( if applicable)
- Most recent savings account statement ( if applicable )
- CD’s, stock, bonds ( if applicable )
- Deed to any property owned ( if applicable )
- State or government issued photo identification
While it may seem like getting in requires a mountain of paperwork, many seniors who live in this type of housing say the benefits are well worth their time and effort. Some of those benefits include:
- Having your own apartment in a safe environment
- Companionship if so desired
- Being able to manage on a limited income
- Eating Together Program
- Free shuttlebus to food stores
- Activities program including, entertainment, exercise and arts and crafts
Any move or major change in life can cause stress and anxiety. However, once you are settled in a senior apartment, that all goes away and you can start enjoying this new chapter in your life. For more information and to help determine financial eligibility, visit HUD.gov.
By Regina Warshawski, JCS Service Coordinator
JCS provides a broad range of services that meet the diverse, multi-dimensional needs of individuals and families throughout Central Maryland. We offer guidance and support when you are seeking solutions for emotional well-being, aging and caregiving, parenting, job seeking, employers and businesses, achieving financial stability, living with special needs, and preventing risky behaviors. To learn more, please visit our home page or call 410-466-9200.