Aware at Home : simplebooklet.com

From personal experience, we know how stressful it is to suddenly be faced with the realitythat an aging loved one has been discharged from the hospital or rehab and you have theresponsibility of:• Finding in-home care and ﬁguring out how to pay for it. (Remember that a home health care agency assigned by a hospital or rehab will only make two 30-45 minute visits aweek for about four weeks. After that, you’re on your own.)• Determining how medications will be properly managedThat’s why we have prepared this very comprehensive guide on locating everything you may need for your family member.We encourage you to do two things:• Take the time to download and thoroughly go through this Guide. It will be well worth your time. If you want to print it, which is a very good idea, you may have to take it to Office Depot (or similar), as it’s a very big ﬁle!• If you believe you may need in-home care aides, look at how our Never Hom e Alone system can be combined within-ho me aides to provide 24/7 monitoring and support.If you have any questions AT ALL, please reach out to us at: 800-480-3344.Jim BlandJim Bland, CEO and Founder Seniors Home Services, Inc.A message from our Founder & CEOJim BlandJim Bland, Founder and CEO, was takingcare of his dad and had to ﬁnd resourcesto keep his dad happy and yet safe. Hefound the solutions but wanted to do more. He wanted to help others in the same situation.Education, research, and personal stories lead to Jim founding Seniors Hom eServices. We are here to help families stay worry free, and the senior remain happy, safe and comfortable at home.

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Technology and Services to help Seniors maintain their digntity and independence for as long as possible, in their homes, while providing peace of mind to their familes and their care teams!Fall Facts....................................................... 4Zing Performance......................................... 5Brain Savers................................................. 6Personal RX…………………………………... 7Never Home AloneTM .................................. 8Hearing Matters............................................ 10Air Purification.............................................. 12Home Care.................................................... 13Room by Room View................................... 16Home Safety Check List.............................. 18Download Safety Check List………………..19Request Free Home Assessment………….24Senior Mortgage Options............................. 25Federal & State Resources........................... 27GuideHighlights

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Facts about Seniors & Falls• 62% of seniors who fall waited hours before being found or asking for help• 1 out of 3 seniors falls each year• Almost 50% of seniors who fall do not tell their family members• 2 out of 3 people who fall once will fall again within 6 months. Frequent bathroom trips may indicate UTI which can lead to fallsAdelay in a fall response can cause irreversible damage.Response time is critical. “The duration of time spent alone and helpless after a fall, is a direct predictor of the likelihood of recovery after falls in the elderly.” In a landmark study published in theJournal of Medicine, the highest reported rates of mortality (death) and morbidity (injury) were those in people who were not founduntil hours had passed.Unpaid family caregiving has been associated with:• Higher use of psychoactive medications• Worsening self-reported physical health• Increased risk of early death• Disruption of family dynamics• Arguments and divorce• Financial stress

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The Pharmacy that Cares for You!We deliver, manage and follow-up on your prescriptions.•Dedicated personal care coordinator•24/7 access to pharmacist•Automatic refills so you never run out•Coordinate with doctors and insurance•All at no additional cost (copays apply)•No more standing in line at the pharmacyWe make multiple prescriptions, simple.•A person to help whenever you have a question•Your medications and refills managed automatically•24/7 access to a pharmacist•Personal service at no additional cost to youPrescriptions the way you want them.•Safe and reliable delivery of time-of-day dose packs. No more pill sorters.•No worries about missing doses or mixing up medications.•Instructions are right on the box. We also provide vitamins, inhalers, and OTC meds.

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TheNewEnglandJournal of Medicinesaysbehavior isthemost significant determinantof health.✓ Weanalyze yourlovedone’s behaviortomake your caregiving smarter.✓ Wenotifyyou whenyour loved one’s behavior at homeputsthemat risksoyoucan intervene quickly, identifysubtle behavior changes before they become an issue,and bringobjectivedatato theirdocfor smarter care.✓ And it'snon-invasive:NO cameras orlistening devices!✓ Reimbursedby many long-termcarepoliciesNeverHomeAloneTMSENSOR AND A.I. MONITORING SYSTEM DISCOVERS 35+ RISKY BEHAVIORS 24 X 7IMMEDIATELY NOTIFIES YOUR ENTIRE CAREGIVER TEAM WHEN YOUR SENIOR MAYBE AT RISKKEEPS SENIORS AT HOME OR IN ASSISTED LIVING WITH INDEPENDENCE AND DIGNITYDISCOVERS SYMPTOMS OF COMPROMISED WELLNESS AND SAFETY YOU MAYNOT SEENO DEVICES FOR AFORGETFUL SENIOR TO WEAR, CHARGE,ACTIVATE OR CARRY

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• One in three adults 65 and older falls each year. 67% will fall again within 6 months• Loss of Hearing causes a 23% increase in depression, 18% increase infalls, and 10% increased risk of dementia.• Medical alert buttons need to be charged, need to be conscious to useit, need to wear them all the time, and there are a lot of false alarms.• 95% of broken or fractured hips are a caused by a fall.• 33% or more of seniors have issues with medication mismanagement,which increase the likelihood of falling,, and it is the biggest cause forhospital readmissions.We can help you assess your environment and suggest ways to make it safer.We can provide the assistive and safety devices that reduce your risk offalling.

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✓ For decades, age-related hearing loss has been considered medically harmless. Medicare and most insurance providers still treat hearing loss as a normal part of aging, leaving the individual to pay out of pocket for hearing aids and routine hearing tests, sometimes costing thousands of dollars.✓ Recent studies have shown numerous health consequences related to hearing loss, including: fatigue, anxiety, depression, social isolation, mobility issues, loneliness, lower quality of life and cognitive decline.✓ Research has concluded that mild hearing loss is a key factor in falls because it directly impacts one’s spatial awareness. Hearing loss increases someone’s risk of dementia by 500% and risk of falling by a factor of 300%, often resulting in injury.✓ A recent study found that loneliness is associated with high blood pressure, elevated stress and weakened immune systems. Their research found that these feelings of isolation also raise the risk of early death by 26%.Sources* Johns Hopkins School of Medicine* National Council on Aging* Journal of American GeriatricsWhen Hearing is Left Untreatedincreased risk of developing dementia300%increased risk of falling that may result in injury500%

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Pre-Programmed Rechargeable Auto On/OffPortable Charging Station with 100 Hours of UseReconnect with LifeRMedical-Grade HearingAidsRxHearing offers Hearing Aids with the most advanced features and functionality on the market today. Reliability is important when you depend on your hearing aids to reconnect you with life.Receivea $100 Discount through SeniorsHome ServicesAudix Lifeai $799Per PairTake ourFree Online Hearing TestSchedule FREE Consultations with OurLicensed Hearing Specialists.Customer Service Experts Based in USAWithDiscount$699.00Self Testing / Self FittingArtificial Intelligence Measures HearingLoss 4 Programmable Situational Memories Speeds up to 40 MHzSuperior Audio Clarity & Audio Fidelity Multi-Layered Advanced Noise Reduction Dual−core CFX 24−bit DSPReceiver in Canal TechnologyMulti-Function Rocker Switch Bluetooth ControlOptimized Signal Processing Engine Echo Cancellation AlgorithmsSmart Power ManagementUp to 110 dB Input Dynamic RangeExceptionally Low System Noise32−bit DSP Core Program Memory 35 Hours of Use Per ChargeLow Battery Warning• Free 30-day Trial• Hearing Care for Life• Free Warranty• Free ShippingAria$499 Per PairWithDiscount $399.00Bluetooth Fitting System Receiver in Canal Technology Superior Audio Clarity Dual−core 24−bit DSPMulti-Function Rocker Switch Bluetooth Control3 Programmable Situational Memories Optimized Signal Processing Engine Multi-Channel Adaptive NoiseReduction Echo Cancellation Algorithms Smart Power ManagementUp to 110 dB Input Dynamic Range Exceptionally Low System Noise32−bit DSP Core Program Memory35 Hours of Use per Charge Low Battery Warning Contact Us send

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How Better Indoor Air Quality Leads to aBetter Quality of LifeWATCH OUR VIDEOONLY11.75“ TALLThe COVID-19 pandemic has brought the importance of air quality to the forefront. But indoor air quality is not a new topic for the aging population. Indoor air quality is critical to senior citizens since they are prone to weaker immune systems and multiple diseases.The average senior citizen takes in 20,000 breaths of air in a day, 90% of which are at home. Now think about this: According to theU.S. National Institutes of Health (NIH), indoor air contains the same pollutants as outdoor air, but also contains additional pollutants, such as from fuel burning home heating and appliances, tobacco, cooking, construction materials, furnishings, pets, cleaning products, mold, mildew, dust mites, viruses, bacteria, and others.THE SOLUTION: Indoor air puriﬁcation with Active Air Technology.ActivePure is based on technology developed by NASA. It is proven to reduce over 99% of surface microorganisms and dramatically reduce airborne contaminants and allergens in the air within 3 minutes.The system provides surface decontamination and air puriﬁcation. It is anautomated, proactive, and effective solution.• Portable, lightweight device• No installation -plug-and-play solution• Easy to use and low maintenance• Proven effective against many common viruses, bacteria, molds, and fungi• Reduces smoke, allergens, odors, and VOCs• Multiple carbon brushes aid in the capture of contaminants Contact Us send

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Hi,I’m Jim Greatorex, vice president of VGM Live at Home. We are honored Seniors Home Services has chosen our national network of independently owned home accessibilitycontractorsand companies to be the exclusive choice to help you or your loved one continue to live safely and comfortably in the home.Our chosen companies and certiﬁed environmental access consultants are held to high ethical standards, fair pricing, and trustworthy recommendations. They specialize in helping people navigate solutions to reduce falls and increase independence for all residents.They understand how meaningful it is for people to be able to stay in the home where memories were made, and they will guide you to the best solutions within your budget.This consumer guide will give you some great insight into the vast opportunities available to live at home. If you want to pursue any recommendations, reach out to Seniors Home Services and we willconnect you with a local company that is specialized with your needs in mind. We wish you the very best as you make the important decisions to Live at Home.

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Making every room in your homesafe and accessibleHave you thought about the current and future safety and accessibility needs of all those who are living in your home? What about the accessibility needs of friends and relatives who visit? Do you have an aging parent who is coming to stay for a while?Practicing the concept of universal design, either during initial construction orwith home modiﬁcations later on, incorporates design elements, spaces and even equipment that make each room more user friendly for as many differentpeople as possible.Modiﬁcations like extra-wide doorways and hallways can accommodate astroller for twins or make getting around easier for a person on crutches or in awheelchair. Movable cabinets increase the usability of the kitchen for children,wheelchair users, and anyone who has a hard time reaching.Equipment like grab bars, lift chairs and support poles help when coming to astanding position, while stair lifts, ramps, vertical platform lifts and evenresidential elevators can keep every level of your home accessible to all.

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BEDROOM✓ Support Poles✓ Lift Chairs✓ Furniture Layout✓ Remote Lighting✓ Reachers✓ Furniture Risers✓ Widen Doorways,✓ Widen Hallways✓ ThresholdRamps✓ Modular Ramps✓ Portable Ramps✓ Vertical Platform Lifts✓ Portable Lifts✓ Ceiling Lifts✓ SupportPoles✓ Adjustable Beds✓ Over-bed Tables✓ Clear Floor Space✓ Lever or Touch Faucets✓ Handles( not knobs) on Cabinets and Drawers✓ Accessible Counters and Cabinets✓ Upper Cabinets that Lower to Counter levelKITCHENLIVING SPACESBATHROOM✓ Walk-in Tubs✓ Curbless Showers✓ Grab Bars✓ Shower Benches✓ Support Poles✓ Non-slip Flooring✓ Hand-held ShowersSTAIRSENTRY✓ Stair Lifts, Vertical Lifts✓ Residential Elevators✓ Lighting✓ Widen Doorways

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Modify Your Home…Room by Room25Modifying the home can be as simple as picking up throw rugs (tripping hazards), or more complex, like widening doorways, installing a “curbless” shower, changing door handles to levers, installing “rocker” light switches, or opening interior space to make it more accessible and practical for individuals who use mobility equipment.Some of the most common home modiﬁcations include:✓ Grab Bars In Bathrooms✓ Ramps, both Interior and Exterior Stair Lifts✓ Door Widening✓ Walk-in Tubs / Curbless or Barrier-free Showers✓ Full Bath Remodels✓ Ceiling Lifts, Porch Lifts✓ Accessible Room Additions✓ Removing Bi-folding Doors From Closets✓ Replacing Doorknobs with Door Handles✓ Floor Coverings to Accommodate Wheelchairs✓ Anchoring of Furniture and Appliances✓ Hanging Televisions

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Finding Solutions Step-by-Step1PLAN AHEAD2MAKE CONTACT3PREPARE4TO FINALIZE PURCHASE ORRENTAL5USE THE ASSISTIVE EQUIPMENT• Assess health care and/or lifestyle challenges.• Determine what you want or need.• Do you need it now?• Is a consultant a better option?• Talk to your health care providers.• Call or Email your SHS rep to ﬁnd out what equipment, assistive technology and services are available.• Understand what your insurance plan and budget allow.• Discuss needs and circumstances among patient, family and caregivers.• Talk to us about what you need and what is covered.• Know what you’re getting for your money: extended service, delivery, warranties.• Will the equipment ﬁt in your home?• Which accessories are necessary, and which are optional?• Determine if other solutions are available.• Consider service and support elements.• Get necessary approval and documentation from doctor and insurance.• Finalize ﬁtting, seating, etc., and arrange for delivery and setup.• Finalize home modiﬁcations if necessary.• Inspect item upon delivery; watch setup and participate in training.• Finalize payment arrangements/billing the primary and/ or secondary insurer.• Try equipment with someone else present.• Make a list of questions for the provider and know who to call to get answers.• Keep all information organized with the “Stay in Touch” section at the back of this book.

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Solutions to Home Safety & HomeAccessibility ChallengesKitchen▪ Easy-access cabinetry▪ Accessible counter tops▪ Handrails▪ Easy Grip utensils, dishes, and cups▪ Accessible appliances▪ Pull-out shelvingLiving Area▪ Stairway lifts▪ Lift chairs▪ Canes and walkers▪ Home monitoring devices▪ Walkers▪ Safety poles▪ Handrails▪ Lighting▪ Senior automation devicesBathroom▪ Grab bars & handrails▪ Elevated toilet seats▪ Bath / shower lifts▪ Barrier free showers▪ Walk-in tubs▪ Step-in tub cutouts▪ Toilet support frames▪ Swing and support basinsBedroom▪ Ceiling and wall-mounted lifts▪ Handrails▪ Pull-out closet shelving▪ Over bed trapeze▪ Stand poles▪ Patients lift▪ Bed rails▪ Adjustable bedsWheelchair▪ Pull-out shelving▪ Inclined platform lifts▪ Vertical platform lifts▪ Automatic door openers▪ Modular ramps▪ Door widening▪ Curbless or barrier-freeShowers▪ Patient and vehicle LiftsGetting AroundInside, Outside And In Your▪ Scooters▪ Portable ramps▪ Power wheelchairs▪ Rollators and canes▪ Vehicle lifts▪ Accessible vehicles▪ Lightweight wheelchairs▪ Porch railings▪ Foldable canes, walkers, and wheelchairs Easy Print Home Assessment Check List Download Pages 20-24

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Traveling The Hallways In YourWiden Hallways, Add Textured •Handrails • Grab Bars • LightsNegotiating Doorways AndDoor widening Hallway Widening Handrails Threshold ramps is Automatic door openersGetting Around In Your Bedroom?Safety Poles And Bed Rails • Ceiling Lift HandrailsAssess Your Needs…Room by RoomGetting around inside, outside, and away f rom homeDoyouhavetrouble...Standing At The Bathroom Or Kitchen Sink?Grab Bars, Hand railings, Non-slip flooringMoving Around In Your Kitchen?Getting Up From Your Favorite Chair?Negotiating The Exit Areas Of Your Home: Out The Front Door? What About The Sliding Glass Doors?Going Shopping?Canes, Walkers, Compact Scooters Accessory Trays & Baskets • Pull-out Cabinet & Shelving • Accessible AppliancesSeat Lift Chairs Safety PolesHandrails And Grab Bars Portable, Modular, Permanent And Threshold RampsAutomatic Door OpenersWalking Aids Or Scooters • Vehicle LiftCar Handle/Car Caddie • Swivel Seats •Folding Walkers • Accessible VehiclesGetting In And Out Of Your Car?RollatorsFolding Transport Chairs, Compact ScooterDealing With Public Transportation Or Have Trouble Negotiating Airports?Solutions to considerModifyYourHomeEntryModiﬁcations431312111109876521. Highawnings and coverings2. Doorsthatstay open to wheel into3. Doors thatswing out instead of in4. Wide sidewalks5. Rampsthatare designed fromrain and mudtocollect on them6. Entry way leveled to thedoor7. GuardRails aroundporch8. Flat rollin surfaceat door entry9. No rugs,or welcomemats10. Largehouse numbers11. Waterspouts12. Widen doorwaysRemodeled Stepless Entry

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Assess Your Needs…room By RoomKitchen AssessmentAccessing Counter Tops?Standing on Hard Surfaces For LongNegotiating The Transport Of Food Or Dishes To And From The Table?Movable Cabinets/Pantry/Pull-out ShelvingHome Modiﬁcation For AccessibilityAdjustable Height And Barrier-free Counter SpaceCompression Stockings, Anti-fatigue ﬂoor MatsWalker Or Wheelchair Trays And AccessoriesGRIP Activity PadWheelchair/ScooterManipulating your Chair In Your Bathroom?Accessible Sink And ToiletBarrier-free Or Curbless Shower Or Walk-in TubBath LiftsUsing The Shower Or Bathing Area?Navigating Throughout Your Home?Residential ElevatorRamps Inside And Outside Of Home Clutter Removal And Low Thresholds Threshold RampsVehicle Lifts, Valet SeatsCrutch Holders And Armrest Pouches Soft And Hard BackpacksTraveling Outside Of Your Home?Navigating Hallways?Pull-down Cabinets, Adjustable-height Countertops Free Under-cabinet Space, Adjustable HeightWiden HallwaysWiden Doorways Porch LiftsVertical Platform LiftsModular Ramps Stair Lifts Inclined Platform LiftsAutomatic Door OpenersRemote And Automated LightingManeuvering Through Doorways?Navigating entry Ways And Outside Steps?Navigating Stairways In Your Home?Leaving The House?Outdoor LiftsAutomatic Door OpenersAccessing Cabinets And Appliances?CheckThe Counters And ShelvesKitchen ModificationsBeforeAfterADONKEFGHIJMLCPB1. Many kitchens have uniformlighting and color that makethem diﬃcult for people withvisual impartments..2. Eating and work counters located too high for people who are seated, short ofstature, or young children.4. Controls for lights and fanlocated high on hood.5. Knob handles on cabinets andfaucets are diﬃcult for people with limited hand strength and dexterity.6. Appliances located in awkward places for people house wheel chairs, walkers, etc.3. Cooking a appliances with diﬃcult-to-use controls, located on rear of unit..7. Kitchensink requiresusers to stand.8. Switches and outlets arelocated too high over counters.9. Mostshelvesin wall cabinets are too high.10. Microwavein awkward location.11. Many shelves in pantryare toodeep and above the range ofreach for many users.12. Most of freezer space located above the reach ofpeople who are seated orshorter in stature.13 Many kitchens lack adequate ﬂoor space forpeople using mobility aidsChangesA. Rolling carts provide additional storage spacethat is easy to reach and can be stored in knee spaces.B. Pull-out work surfaces arehelpful below microwaves.C. Wall and microwave oven.D. Countertop modiﬁcations.E. New outlets or switches maybe added at accessible locations.F. New range with front mounted controls.G. Shelves installed under high wall cabinets provide additional reachable storage.H. Existing knob handles replaced with loop handles.J. Lever faucet replaces existing turning knobs.K. Knee space under sinkimproves access to dishwasherL. Pull-down shelves make high wall cabinets more usable.N. Refrigerator replaced with moreaccessible side-by- side model.O. Hanging racks provide reachable storage.P. Deep, ﬁxed shelves replaced with rotating shelves or full extension roll-out storage shelves.Common ProblemsM . Revolving and pull-out shelves make Diﬃcult-to-reach areas Easier to access.

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Do You Have Trouble... Solutions To ConsiderGetting In And Out Of The Bathtub?Grab Bars And Tub Bars • Non-slip Adhesive Treads Step-in Tub CutoutsBath Lift • Walk-in Tubs • Transfer benches • Walk-in Shower With BenchRoom-by-room Assessments And Solutions To Make A Home More AccessibleBathroom AssessmentSitting Down And Getting Up From Tub?Navigating the Entry? With Secure Footing?Grab Bars Near Entry And On Walls •Extra Space In And Around Sink And Toilet • Remove Throw Rugs • Non-slip ﬂooring Or Adhesive TreadsAccessible SinksStanding At The Sink?Getting On And Off The Toilet?Replacing Toilet Tissue Holder?Reaching And Effectively UsingToilet Tissue?Reaching And Cleaning Thoroughly? Standing While Showering?Accessing The Shower?Raised Toilet Seats • Safety Poles •Toilet Support Arms • Non-Slip ﬂooring Or Adhesive Treads • Grab BarsPivoting Toilet Paper HoldersToilet Hygiene Aids • Inspection Mirrors •Bidets • Grab Bar That Doubles As ToiletPaperReachers, Easy Grip Razors And Toothbrushes • Hand-held Showers •Shower Chairs And BenchesCurbless Or Barrier-free ShowersHands-free Hair DryersWeighted Grips For Toothbrushes, Razors And HairbrushesWith Dexterity Limitations making Grooming Tasks Difficult?Modify your home191011121386723458. Toilet seat height between a minimum of 15 inches and a maximum of 19 inches.9. Whole wall areas of plywood or other solid reinforcingmaterial allow grab placement at the best heights andangles to suit individual needs.10. Incorporate additional “livability” features such asstorage or shelving.11. Hand-held shower head on adjustable height slidemount with off-set anti-scald valve and single-leverhandle valve.1. Pocket door with loop handle is an alternative to out-swinging door that may obstruct hall or room circulation.2. Frame width for pocket doors should be at least 36” to achieve a clear 32” opening. An accessible handle or a stop inside the pocket should prevent the door fromsliding completely intothe frame.3. Switches and outlets in easy-to-reach accessible locations.4. Lever handle faucet control.5. Shallow sink with rear drain to permit knee space clearances.6. Removable pipe protection and appearance panel to provide the necessary knee space for forward approach.7. Toilet placed in corner of a 5’ x 5 clearﬂoor space is ideal, creating unobstructed areas in front and to one side. This allows greater maneuvering and transfer options for people using wheelchairs and those needing assistance.13. Reinforced areas provide more secure mountingfor future installation of shower seats.12. “Curbless” (roll-in) shower is a versatile ﬁxture usable by people with differing abilities and necessary for some. 36” x 60” clear ﬂoor space for shower.• Narrow entry doors• Lack of turning space• Lack of maneuvering space to side of toilet• Toilet location obstructs bathing ﬁxture• No knee space below sink• No reinforcing in walls for grab barsChanges• Incorporate entire adjacent right closet• Incorporate small “bump out” or mini-addition for shower• Relocate plumbing and ﬁxtures• New“curbles”rol-inshower• New wider out-swinging doorCommonProblems

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Reaching Items In Your Closet or On Bedroom Shelves?Dressing Yourself?Reachers • Foot Stools W ith Handrail •Moveable Clothing Racks And Shelves Safety• Pole Or Handrails • Sock Aids • Dressing SticksLong Handled Shoehorns Reacher Extension Kits Stretchable ShoelacesWith Pain Caused From Poor Posture Or Sleep Positions?Adjustable Beds • Head, Neck And Body Support PillowsAssess Your Needs…room By RoomBedroom AssessmentDo You Have Trouble...Getting In And Out Of Bed?Accessing What You NeedWhile Conﬁned To Your Bed?Bed RailsGrab Bars And Handrails Trapeze BarsOverhead Ceiling Lifts Safety Poles Patient Lifts Adjustable BedTilt-top Over-bed Tables Reachers Or Grabbers Patient LiftPortable CommodesLightsKeep A Phone Within Reach • Night Lights •Consider Unobtrusive, More Accessible Furniture• In-home IntercomWith General Safety Concerns Surrounding Your Bedroom Environment?With A Temporary Or Permanent Condition That Limits Your Access To The Toilet In Your Home?Power Toilet Lifter Portable Commodes1. Bedrails by each side of the bed2. Never Home Alone Senor By each side of the bed –Recommend at least one for each side but most put one on each bed post.3. Closet doors stable and with handles not knobs4. Adjustable beds that have locks on wheels5. Phone charger or landline by bed6. Clear paths to hallways, closets, and bathroom7. TV should be anchored on the wall.8. Remote control by bedside and timer set9. Motion Lights or Clap on and Off System10. Anchor Dresser and any other furniture that will be opened and closed or leaned on.

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Climbing Stairs In Your Home?• Stair Lifts Indoor Elevators• Home Modiﬁcations, Textured Railing• Inclined Platform LiftSeeing Through Out The Home/Lighting• Automated Or Motion Lights• Lighting Throughout The House Lighting• Under Kitchen Cabinets Lights In Stairwells• Light Switches At Top And Bottom OfStairsAssess Your Needs…Room by RoomLiving Area AssessmentDo you have trouble...With Overall Control Of In-home Function?Getting In And Out Of Living Room Furniture?• Senior home automation products• Lift chairs Portable seatlift• Couch canes, security poles Canes,walkers• Furniture risers• Lift Chair Table With Magazine Rack• Reachers, Grabbers• Remote Or Automated Lighting• Portable Table And Book HoldersAccessing Necessities, Reading Materials, And Keeping Them At Your ﬁngertips?Footstools With Handle• Reachers• Pull-out Shelvingreaching objects in closets or on shelves?• Lever Handles Or Doorknob AdaptersTurning Doorknobs?Opening Drawers Or Cabinets?• D-shaped Handles• Handrails, Textured Railing In Hallways• Grab Bars And Security Poles Through out your HomeWith Balance And Coordination Issues?With Strength And / Or Coordination Issues?• Automatic Door Openers• Rocker Light Switches• Key TurnersStairliftsPlatform LiftsWheelchair RampsFor your FREE home assessment CALLTOLLFREE1-877-275-4903visit home.mobilityworks.comDon’t Let StairsGet in YourWay!Get a FREE Home Assessment by the professionals who understand and can help you with all your needs!MobilityWorks@home delivers high quality home accessibilitysolutions forour customers.From an initialfreehome assessment to determinetheright solution foryou, to a guaranteed installation by our factory trainedinstallers, we ensureyouraccessibilitysolutionis customized to your specificneeds.

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Debunking Reverse Mortgage MythsMYTH: Strict guidelines on how you may use the moneyFACT: You may use the proceeds for virtually any purposeMYTH: The lender owns the home in a reverse mortgageFACT: Not true! The borrower retains ownership, as long as they pay their mortgage, just like any other loanMYTH: Aborrower must own the home free and clearFACT: Not true! Borrowers often use reverse mortgages to pay off existing mortgages, a requirement for reverse mortgages, and eliminate monthly payments.MYTH: Aborrower must pay taxes on loan proceedsFACT: Not true! Reverse mortgage proceeds, like any loan, are not considered income, and are thus tax-free. We do recommend that you consult a tax advisor for more details about how these funds are treated.MYTH: Reverse mortgage borrowers lose social securityFACT: Social Security and Medicare beneﬁts are generally unaffected by a reverse mortgage, however Medicaid, a need-based program, can be. Work with a qualiﬁed ﬁnancial adviser to determine how much you can take from reverse mortgage funds each month to remain within the Medicaid limits.MYTH: Heirscannot keep the home with a reversemortgage.FACT: Not true! Heirs have many options• Arrange their own ﬁnancing and keep the property• Sell the home, pay off the loan, keep any remaining funds• Do nothing and deed the home to the lender to pay off loanA Home Equity Conversion Mortgage could be your ﬁnancial solution, hidden in plain sight.Flexible payments, tax free proceeds, an increasing line of credit, all featuresrecommended by ﬁduciary ﬁnancial professionals solving retirement and in home care challenges.With mortgage solutions speciﬁcally designed for homeowners in retirement years, allow our ﬁnancial team to determine if accessing home equity could be the right solution for your family.Home Equity Conversion Mortgage(HECM)FHA insured reverse mortgage that allowshomeowners aged 62 and older to unlocktheir home equity and access tax-freeproceeds and a growing line of credit.55+ Specialty Reverse MortgageA proprietary reverse mortgage designed forhigh home values and homeowners at least 55years of age (in select states) with availableequity access up to $4MM.PROGRAM HIGHLIGHTS:• No monthly mortgage payments required*• Unrestricted use of proceeds• Available as a growing line of credit• Borrowers maintain ownership of the home and remain on title*Borrower(s) responsible for property taxes, homeowner’s insurance, HOA Dues,property maintenance, and abiding by the terms of the loan.COMMON USES:• Funding for home renovations or modiﬁcations• Funding source for in home care expenses• Avoid investment withdrawals in down market• Improve overall cash ﬂ ow• Pay off medical bills or other high interest debtsLicensed by the Department of Financial Protection and Innovation under California Residential Mortgage Lending Act, Branch License #4131248 CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; 3838 Camino del Rio N Suite305, San Diego, CA 92108. Corporate phone (888) 488-3807. For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. All products are not available in all states. All options are not available on all programs. All programs are subject to borrower andproperty qualifications. Rates, terms and conditions are subject to change without notice. This is an Advertisement. For more information onReverse Mortgages, visit: https://OneTrustHomeLoans.com/reverse-mortgage-disclosures/

Aware at Home

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