| SENIORS & DISABLED BENEFITS Bankruptcy Discounted Caskets, Funeral services, Plots Euthanasia in the U.S. Farmland Assessment Food Stamps Homestead Rebate Leukemia & Lymphoma Society Lower Your Property Taxes Low Income Home Energy Assistance Program Motor Vehicle registration Discount Organ Matching Database From LIVE People Padd Property Tax Exemption Property Tax Reimbursement Information Real Property Tax Deduction for Senior Citizens Schedule of Social Security Benefit Payments 2010 Section 8 Housing  8-11 Senior Discounts from stores etc.Senior Gold Prescription Discount Program Social Security Disability Universal Service Fund What To Do With Your Body After Your Dead Other NJ Programs | ||||||||||||||||||||||||||||||||||||||||
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8-11 Senior Discounts from stores etc. Click here to go to the list. Bankruptcy in NJ -- This applies to anyone, Senior or not !!! When all else fails, or before all else fails.  Have you lost your job, lost your pension or 401k, used you savings to pay for medical expenses, or to pay exorbitant interest rates on credit cards. Have you been given the run around when you pleaded for help in lowering your interest rate on credit cards or you mortgage? Have you submitted and resubmitted all your income and expenses information, over and over and over and over ??? Did you know that each and every time you ask for help, the banks request a credit report.Each and every time anybody request a credit report it gets added in the report as another request. Even though nothing came about from these requests, It lowers your credit score, and that causes everybody to charge you an higher interest rate for your credit cards, any kind of loan, car insurance rates etc. Some rules to consider before going to the lawyer: First and foremost find yourself a bankruptcy lawyer that does nothing but bankruptcies. First visit is usually free. Don't volunteer ANY INFORMATION !!! Can't have more than $5,000 in banking or saving accounts. Your car can't be worth more than $5,000 ??? There is a Overall amount of assets you can have $12,000 ??? The lawyer will tell you that he is required by law to ask these questions. Can't have transferred assets within the last 12 months. Such as property, stocks, cars, boats, jewelry, or money. More than likely they will not waste their time checking unless your worth millions. He will also ask if you have any collections that are worth money, coins, art, jewelry, guns, figurines, game room stuff, stamps, etc. If you have a safety deposit box, the lawyer will ask you what's in it. If you have excess assets you may have to sell some of them to satisfy the creditors. Any pending lawsuits in your favor, or inheritances may be a problem. Call each company you owe money to, and change the phone number your gave them, to one that goes to another phone. This way when they start calling to harass you, nobody will here the calls and you won't get embarrassed or aggravated !!!Cons: Cost for an average lawyer fee is $2,000. This will ruin your credit rating. Chances are this already the case, or will be soon.Pros: Get everything out of your name in the required time. If everything is one spouses name, then only that spouse goes bankrupt. The other spouse keeps his or hers credit cards, bank accounts, and any business that in his or her name only. Anything that is BOTH names will still be owed by the other spouse that is not going bankrupt !!! Nobody can touch your social security check. Bankruptcy takes about 3 months to be completed. Then you will be free of debt. Foreclosure on your house will take about 20 months. That's 20 months of FREE living (No payments due) in your house that will let you save the mortgage and tax monies, to decide what or where you will go in 20 months.Note: (The 20 months time frame is based on the backlog of the court systems as of August 2010.) Now your will have gotten rid of all the stress, you and everybody around you will be extremely happier !!!!!!!!!  08-22-10 NOTE: Other programs require you to be approved for PADD first, before they will consider your application. Farmland Assessment - If you own 5 acres or more. Farmland meeting the requirements for eligibility can receive preferential assessment. The assessment is based on productivity and agricultural or horticultural use of the land. Eligibility Requirements: Applicant must own the land. Owner must apply for Farmland Assessment on Form FA-1 with municipal tax assessor annually on or before August 1 of the year immediately preceding the tax year. Land must be devoted to agricultural or horticultural uses for at least two years prior to the tax year. Land must consist of at least 5 contiguous acres. Gross sales of products from the land must total $500 per year for the first 5 acres, plus $5 per acre for each acre over 5, except in the case of woodland or wetland where the income requirement is $.50 per acre for any acreage over 5. Owner must represent that the land will continue in agricultural or horticultural use to the end of the ax year for which application is made. Change to a use other than agricultural or horticultural results in additional taxes referred to as rollback taxes (taxes that would have been paid had the land been valued and taxed as other land minus taxes paid under farmland assessment).www.state.nj.us/treasury/taxation/lpt/exam.shtml Food Stamps - NJ ----- As of October 1, 2008, the new name for Food Stamps is the Supplemental Nutrition Assistance Program (SNAP) To qualify for New Jersey Food Stamp grants: You must be a resident of the State of New JerseyYou must fall into one of two groups: Those with a current bank balance (savings and checking combined) under $2,001 Those with a current bank balance (savings and checking combined) under $3,250 who share their household with a person or persons age 60 and over, or with a person with a disability (a child, your spouse, a parent, or yourself) Income: Households have to meet income tests unless all members are receiving TANF, SSI, or in some places general assistance. Most households must meet both the gross and net income tests, but a household with an elderly person or a person who is receiving certain types of disability payments only has to meet the net income test. Households, except those noted, that have income over the amounts listed below cannot get SNAP benefits.(Oct. 1, 2011 through Sept. 30, 2012)
11-11Homestead Rebate Information on Homestead Rebate Program - www.state.nj.us/treasury/taxation/homestead/hrhownergeninf.shtml To be eligible for the 2008 homestead rebate, you must be a New Jersey resident who owned and occupied a home in New Jersey that was your principal residence at 12:01 a.m. on October 1, 2008. In addition, you must have had property taxes which were due and paid on the property during 2008, and you must meet certain income limits. For homeowners who were age 65 or older or blind or disabled on December 31, 2008, the income limit is $150,000 or less. For homeowners under age 65 and not blind or disabled, the income limit is $75,000 or less. If you are married or in a civil union, you must provide your spouse's/CU partner's social security number and birth year unless you maintained separate residences on October 1, 2008. Homestead Rebate Program Info -
11-12-11The Leukemia & Lymphoma Society Patient Financial Aid The Leukemia & Lymphoma Society provides a limited amount of financial assistance to help patients with significant financial need who are under a doctor's care for a confirmed blood cancer diagnosis. Reimbursement are processed through your local chapter and payments are issued directly to you. They were giving $500 a year before the economy went bad, and are giving $100 a year. Patient financial aid is limited to residents of the United States or its territories and US military personnel stationed abroad. This program is supported entirely by public contributions. Patient Aid funds are subject to availability Patient Aid funds are subject to availability. If you are in financial need you may Contact your local chapter to request a Patient Financial Aid application or Print, complete and return the online application form in English or in Spanish to your local chapter. For more information on the Patient Financial Aid program, please contact your local chapter. Find your local chapter by calling (800) 955-4572 or by visiting www.LLS.org/chapterfind. Patients who participate in the Patient Financial Aid Program may also be eligible for the LLS Co-pay Assistance Program. Co-Pay Assistance AmountsSupport for this program is based on the availability of funds by disease diagnosis. LLS Co-Pay Assistance funds are available for the following diagnoses: Chronic lymphocytic leukemia - assistance is available up to $5,000 Hodgkin lymphoma - assistance is available up to $5,000 Non-Hodgkin lymphoma - assistance is available up to $5,000 Myelodysplastic syndromes - assistance is available up to $5,000 Myeloma - assistance is available up to $10,000 Waldenström macroglobulinemia - assistance is available up to $10,000 Application - http://www.leukemia-lymphoma.org/all_page?item_id=4603 -www.lls.org/#/diseaseinformation/getinformationsupport/financialmatters/copayassistance 11-12-11Lower Your Property Taxes- This applies to anyone, Senior or not !!! Did you know that it is very possible to lower your property taxes each year ???(Especially since the value of your house goes down every day in this economy.) The application MUST be filed before April 1 of the year you want a reduction. You could file and application yourself (not recommended) or you could use a lawyer that specializes in filing the application for you. Their fee is a follows: If he gets your taxes lowered by $800.00 a year, he gets a one time fee of half, $400.00. Your taxes will be stay lowered by $800.00 each and every year thereafter. If he doesn't get your taxes lowered, his fee is $0.00. This is a win win situation, you can't lose !!! We have used Michael many times for many properties, he has always gotten our taxes lowered.Michael A. Vespasiano 331 Main Street Chatham, NJ 07928 www.jerseypropertytax.com/index.html - 11-12-11New Jersey Low Income Home Energy Assistance Program (assistance with heating and cooling costs) (LIHEAP) and Universal Service Fund (USF) APPLICATION AGENCIES. Apply - www.acf.hhs.gov/programs/ocs/liheap/grantees/states.html#NJ - 01-30-12 Brochure - www.acf.hhs.gov/programs/ocs/liheap/brochure/brochure.pdf - 01-30-12 2010 Fact Sheet - www.acf.hhs.gov/programs/ocs/liheap/about/factsheet.html - 01-30-12 10-10 Motor Vehicle registration Discount If you have a PADD card, you are entitled to a discount (Usually $15) on your motor vehicle registration. You can go in person to the motor vehicle and show them your PADD card.or You can send in your renewal registration with a copy of you PADD card and a check for the registration amount minus the the discount (Usually $15). 10-25-10 11-10 Organ Matching From Live People MatchingDonors.com has become the most successful nonprofit organization that is improving those odds by finding living altruistic organ donors for patients needing transplants. The MatchingDonors.com website can get over 1.5 million hits in a month. Regardless of your need; Kidney, Pancreas, Liver, Lung Bone Marrow or Intestine we may be able to help. MatchingDonors.com may be able to help patients and donors with transplant related expenses not covered by insurance. There are currently 8566 registered Potential Donors on MatchingDonors.com.http://matchingdonors.com/gtd.html - 11-12-11PAAD Pharmaceutical assistance to the aged and disabled (PAAD), lifeline and special benefit programs. If your income exceeds these limits, you can apply for the Senior Gold Prescription Discount Program, a New Jersey program which assists with the cost of prescription drugs. Call toll free 1-800-792-9745 for more information. NOTE: Other programs require you to be approved for PADD first, before they will consider your application. As of January 1, 2012, maximum income limits are less than $25,312 if single; less than $31,035 joint income, if married. Application form -- www.state.nj.us/health/forms/ap-2.pdf - 01-30-12Property Tax Exemption for 100% Disabled Veterans or Surviving Spouses. Certain permanently and totally disabled war veterans or the surviving spouses (widows/widowers) of such disabled war veterans and servicepersons are granted a full property tax exemption on their dwelling house and the lot on which it is situated. TO QUALIFY, you must be an honorably discharged veteran, who had active service in time of war in the US Armed Forces, or the unmarried surviving spouse of such a disabled veteran. Surviving spouses of servicepersons who died in active service in time of war also qualify. Disability must be certified as 100% permanent and total by the United States Veterans Administration. You must be the owner and a permanent resident in the dwelling and legal resident of New Jersey. In the case of surviving spouses, the deceased spouse must also have been a legal resident of New Jersey.Claim Form D.V.S.S.E. (PDF 13K) must be filed with the municipal tax assessor. www.state.nj.us/treasury/taxation/lpt/exam.shtml - 9-22-10Property Tax Reimbursement Information (Senior or Disabled Freeze) Property Tax Reimbursement (Freeze) Eligibility Requirements You may be eligible for a reimbursement of the difference between the amount of property taxes you paid for the base year (the year you first became eligible) and the amount paid for the year for which you are applying for a reimbursement if you met all the following requirements for the base year and for each succeeding year, up to and including the year for which you are claiming the reimbursement. You are age 65 or older or receiving Federal Social Security disability benefits; and You have lived in New Jersey continuously for at least the last 10 years, as either a homeowner or a renter; and You have owned and lived in your home (or have leased a site in a mobile home park on which you have placed a manufactured or mobile home that you own) for at least the last 3 years; and You have paid the full amount of property taxes (or site fees if you are a mobile home owner) that were due on your home for the base year and for each succeeding year, up to and including the year for which you are claiming the reimbursement; and You meet the income limits for the base year and for each succeeding year, up to and including the year for which you are claiming the reimbursement. Residents applying for the 2008 reimbursement must have total income for 2007 that is $60,000 or less and for 2008 that is $70,000 or less. These limits apply regardless of marital/civil union status. However, applicants who are married or in a civil union must report combined income of both spouses/CU partners. If your residence is in a multiple-unit building that you own, and the building has more than four units, you are not eligible for a property tax reimbursement. You are also not eligible if the building has four units or less but more than one commercial unit. 2008 Eligibility Requirements for First-Time Filers www.state.nj.us/treasury/taxation/ptrreqs.shtml - shown below 2009 Income Limits Residents applying for the 2009 reimbursement must have total income for 2008 that is $70,000 or less and for 2009 that is $80,000 or less. These limits apply regardless of marital/civil union status. However, applicants who are married or in a civil union must report combined income of both spouses/CU partners. Applications for the 2009 reimbursement will not be available before February 2010. Last Updated: Thursday, 07/16/09 2008 Eligibility Requirements for First-Time Filers Residents applying for a reimbursement of the difference between the amount of property taxes paid for 2007 and the amount paid for 2008 must: For 2007 and 2008, have been age 65 or older or receiving Federal Social Security disability benefits as of December 31. If receiving Federal Social Security disability, you (or your spouse/civil union partner) must have received such benefits based on your own social security number (you do NOT qualify if you are receiving Social Security disability benefits on behalf of someone else); and Have lived in New Jersey continuously since before January 1, 1998, as either a homeowner or a renter; and Have owned and lived in the home for which the reimbursement is being claimed since before January 1, 2005; and Have paid the full amount of the property taxes due on the home for 2007 by June 1, 2008, and for 2008 by June 1, 2009; and Have total income for 2009 that is $80,000 or less and for 2010 that is $80,000 or less. These limits apply regardless of marital/civil union status. However, applicants who are married or in a civil union must report combined income of both spouses/CU partners.11-12-11 Property Tax Reimbursement (Freeze) Forms & Instructions. Filing deadline for 2010 applications extended to November 7, 2011 www.state.nj.us/treasury/taxation/prntfrez.shtml#ptr2010 - 06-13-10 States Main Page - www.nj.gov/treasury/taxation/index.shtml - 08-22-09 2010 form - http://www.state.nj.us/treasury/taxation/pdf/other_forms/ptr/10_ptr1.pdf 11-12-11 Main Menu - www.state.nj.us/treasury/taxation/prntfrez.shtml#ptr2003Real Property Tax Deduction for Senior Citizens, Disabled Persons or Surviving Spouses. An annual $250 deduction from real property taxes is provided for the dwelling of a qualified senior citizen, disabled person or surviving spouse (widow/widower). TO QUALIFY, you must be by December 31 of year before year deduction is requested a senior citizen, age 65 or older, or a permanently and totally disabled individual, unable to be gainfully employed, or a surviving spouse, age 55 or more and age 55 at time of spouse's death. You must be a legal resident of New Jersey for one year immediately prior to October 1 of the year before the year for which the deduction is requested. You must be an owner of and a permanent resident in the dwelling on October 1st of the year before the year for which the deduction is requested. Income may be no more than $10,000 during the year for which the deduction is requested, excluding, with restrictions, monies received from social security, or Federal Government pension, disability and retirement programs or State, County, Municipal pension, disability and retirement programs. Claim Form PTD (PDF 15K) must be filed with your municipal tax assessor or tax collector.www.state.nj.us/treasury/taxation/lpt/exam.shtml - 9-22-10Section 8 Voucher Program -- Housing for Renting & Home Ownership Section 8 Housing Choice Voucher (Renting) Housing Assistance Housing Production Energy Assistance Community Services Neighborhood Programs Office of Housing Advocacy For additional information, call (609) 292-4080 or email Customer Service. Assists in making safe and quality housing in the private rental market affordable to low, and very low-income households by reducing housing costs through direct rent subsidy payments to landlords. The program is funded by the U.S. Department of Housing and Urban Development. The Section 8 Housing Choice Voucher program is based on the premise that housing costs (rent and utilities) should not exceed 30 percent of a household's income. The statewide program is available to residents of all New Jersey counties. Additional Section 8 Existing Housing programs are administered throughout the State by a number of municipal and county authorities. Assistance is provided to low, and very low-income households and individuals. www.state.nj.us/dca/divisions/dhcr/offices/section8hcv.html 9-22-10Section 8 Home ownership Program Housing Assistance Housing Production Energy Assistance Community Services Neighborhood Programs Office of Housing Advocacy For additional information, call (609) 292-9025. The Section 8 Homeownership Program is funded by the U.S. Department of Housing and Urban Development (HUD). Participants in the New Jersey Department of Community Affairs' (DCA) Section 8 Housing Choice Voucher Program are eligible for this program and could become homeowners provided they meet all Section 8 Homeownership Program eligibility requirements. The Housing Choice Voucher that is currently used towards rental payments will be applied towards homeownership expenses including principal and interest on mortgage debt, insurance, taxes, utilities and other homeownership expenses. www.state.nj.us/dca/divisions/dhcr/offices/section8ho.html - 9-22-10Senior Gold Prescription Discount Program As of January 1, 2011, income limits are at least $24,432 and less than $34,432 if single; at least $29,956 and less than $39,956 joint income, if married.http://www.nj.gov/health/forms/ap-2.pdf - 11-12-11 If your income exceeds these limits, DO NOT APPLY.Detailed information - www.state.nj.us/health/seniorbenefits/seniorgolddetail.shtml - 06-13-10 Application form -- http://web.doh.state.nj.us/apps2/forms/subforms.aspx?pro=seniorbenefits - 06-13-10 06-10 Schedule of Social Security Benefit Payments 2010 The day of the week your check get delivered is based on this calendar.www.socialsecurity.gov/pubs/calendar.htm - 02-10-10Social Security Disability After the trial work period ends, your benefits will stop for months your earnings are at a level we consider substantial, currently $1,000 in 2010 ($12,000 yr.). For 2009, this amount was $980 ($11,760 yr.). Different amounts apply to people who are disabled because of blindness. The monthly substantial amount for statutorily blind individuals for 2010 is $1,640; for 2009 this amount was $1,640.www.ssa.gov/dibplan/dwork2.htm - 06-13-1006--10 Universal Service Fund The State of New Jersey created the Universal Service Fund (USF) program to help make energy bills more affordable for low income customers. The goal of the USF program is to help ensure that income eligible New Jersey utility customers pay no more than 6% of their annual income for their natural gas and electric service combined. Households with income equal to or less than 175% of the Federal Poverty Level are income eligible. Q. How much money will I receive from USF? If you are found eligible for USF, you will receive a USF credit on your utility bill.. The amount of the credit is different for each eligible customer, depending on how much of your income you spend on energy. The USF benefit is designed to help you pay no more than the target amount of 3% on your natural gas bill alone and no more than the target amount of 3% on your electric bill alone (or, if you heat with electricity, no more than 6% of your income on electricity). The USF credit is capped at $1,800 for both electric and gas combined. Please Note: if you receive Food Stamps, your Food Stamp application is also your LIHEAP application and your USF application. Therefore, Food Stamp customers almost never need to complete the separate USF-LIHEAP application.www.state.nj.us/bpu/residential/assistance/usf.html#7 - 06-13-10 8-10 Euthanasia in the U.S.Euthanasia is legal in the states of Washington, Oregon, Montana and to a limited extent in Texas. http://en.wikipedia.org/wiki/Euthanasia_in_the_United_States - 9-22-10 8-10 In which countries is euthanasia legal?Albania, Belgium, Finland, Holland, Luxembourg, Netherlands, Norway, Sweden, Switzerland, and Thailand. 9-22-10 9-10 What to do with your body after your deadChoice 1 - Regular way Pick you up Embalming - There is no law requiring embalming !!! Makeup and clothes Coffin Cement box to put coffin in. - There is no law requiring a cement box !!! Some cemeteries are requiring the cement box because the dirt settles after the coffin decays, and they don't want the ground to look uneven. Use of room for viewing Printing of handout card Limousine to transport you to cemetery Limousine for family members Cemetery Plot Head stone Cost to dig up plot & reclose Perpetual care for the plot Total cost - In New Jersey, the typical funeral costs $12,000, according to the New Jersey State Funeral Directors Association - about the same as buying an economy car like a Hyundai. Remember this only a typical price, there are tons of extras they will try to add on to your bill.http://blog.nj.com/ledgerarchives/2007/09/cost_of_dying_by_abby.html - 9-22-10Choice 2 - Cremation Cremation No need for purchasing a Urn Total cost - $600 and up. Optional rental of room in the funeral palorhttp://blog.nj.com/ledgerarchives/2007/09/cost_of_dying_by_abby.html 9-22-10 Choice 3 - Promession Promession is an ecologically-conscious method for disposing of human remains by freeze drying. It was invented and patented [1] in 1999 by the Swedish biologist Susanne Wiigh-Mäsak. The method is based on three steps: Reducing the body of the deceased to a fine powder, thereby allowing subsequent decomposition to be aerobic. This is achieved by submerging the body in liquid nitrogen, making the remains so brittle that they shatter into a powder as the result of slight vibrations. The powder is then dried, reducing the deceased remains to around 30% of their original body weight. Removing and recycling metals within the powdered remains. Shallow-burying the powder in a biodegradable casket. In 6 to 12 months your biogradable casket will turn to compost and nourish the tree you had planted on top of it.The first facilities for promession-based funerals, known as Promatoria, are due to be ready in 2009. They will be located in Sweden, Germany, Great Britain, South Korea and South Africa. Currently not legal in the US. The volume of remains left by this procedure is about ten to twenty times that left by a cremation, but the advantages claimed include avoiding the release of pollutants into the atmosphere (for instance, mercury vapor from dental fillings) and the rapid degradation of the remains after the procedure (within 6 to 12 months). The procedure meets the requirements of new European Union pollution laws. Total cost - About the same as Cremation. 9-22-10www.youtube.com/watch?v=lIwEf8J2b34 www.naturalwayburial.org.uk/USERIMAGES/Promession.PDF 10-10 Discounted Caskets, Funeral services, Plots $995-$2395 100% Complete Satisfaction Guarantee Our Prices Include Free Delivery!* Because funerals can cost thousands of dollars, you should be aware of Federal Regulations that can help protect you from overpaying... The funeral provider may not refuse, or charge a fee, to handle a casket you bought online... The funeral home cannot require you to be there when the casket is delivered to them." Click here to read "Your Rights When Buying Funeral Goods & Services" United States Federal Trade Commissionwww.americancasketstore.com 10-22-10Other NJ Programs http://mynjhelps.org/go | ||||||||||||||||||||||||||||||||||||||||
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