Gay and Lesbian Friendly CCRCs

Housing discrimination is illegal, and some states explicitly protect the rights of gay and lesbian citizens.

Legal, however, doesn’t necessarily equate to welcoming.

As a result, we are now seeing CCRCs targeted to the lesbian, gay, bisexual, and transgender (LGBT) communities.

The first one to offer the full continuum of independent, assisted living, and dementia care was Fountaingrove Lodge at in Santa Rosa, CA.

The Gay & Lesbian Association of Retiring Persons (GLARP) has been planning its own CCRC in Palm Springs, CA, called GLARP Desert Ranch Retirement Development.

For general information on the National LGBT Elder Housing Initiative visit

Here are the communities I know as of this writing:

Arizona — The Pueblo in Apache Junction at is a women-only community.

California — Sunny on the West Coast – Stonewall Gardens in Palm Springs at and Triangle Square in Hollywood which caters to low income and  HIV/AIDS seniors at

Florida — The Palms of Manasota in Palmetto at and The Resort on Carefree Boulevard in Fort Myers at which is a women-only RV park.

Illinois — Townhall Apartments in Chicago at which offers apartments for low-income seniors.

Maryland — Asbury Methodist Village in Gaithersburg at

Massachusetts — The Residences at Seashore Point in Provincetown at is a condominium community open to gay and straight residents.

New Mexico — Birds of a Feather at, also in Santa Fe, NM;

North Carolina — Carefree Cove in Zionville at

Oregon — Rainbow Vista in Gresham, an over 55 apartment community at

Pennsylvania — John C. Anderson Apartments ( in Philadelphia which caters to the low-income LGBT community. It opened in 2014 with a 100-person waiting list.

Washington — Discovery Bay Resort on the Olympic Peninsula, another women-only RV community but without its own webpage.

Aging Alone Resources

Aging Support

To find the local agency that can help you find benefits and support, visit, which is the National Association of Area Agencies on Aging.

To hire a professional to help with geriatric health care management, visit Their members guide clients and family through the maze of available government and private programs.


Giant brokerage Fidelity works with a few insurance companies. See comparisons of companies at and

Vanguard also offers annuities. Learn more at

If you’re a former teacher or government worker, use TIAA at offer everything at good rates.

Use Immediate Annuities at to get quotes from multiple companies.

For charitable annuities, visit the American Council on Gift Annuities to see the recommended rates of return for annuities. Visit

Annuities — QLAC

Abaris, at, lists insurance companies that offer QLACs. offers quotes without siccing salespeople on you at

Remember, though, you can only buy a QLAC within your 401(k) (so the plan administrator has to offer these) or an IRA.


Here’s an easy online tool to calculate your budget: Then compare it to your income using

If you’re buying electronic equipment, check out TechBargains for sales:

If you buy online, check’s best deals at

For the computer oriented, there’s the free software tool Mint at to manage your money. You can track accounts, credit cards and bills to see what you owe and when payments need to be made.

Mint also has more than 20 kinds of alerts to notify you of fees, remind you to pay bills and warn you if you’re going over your budget. It can send you a summary of your spending and saving so you know exactly where you stand.

Cosmetic Procedures

The website has reviews from people who’ve had various procedures and often includes before and after pictures.

Find a board-certified plastic surgeon in your area at

Cost of Living

The Council for Community and Economic Research has a website that compares several cost measures for cities at

Crime Rates

Check crime reports by zip code at

Dementia and Other Diseases of the Aged

National Institute on Aging at


For resources from the federal government, visit

Elder Abuse

Find the state or local agencies that receive and investigate reports of suspected elder or adult abuse, neglect, or exploitation by contacting the national Eldercare Locator at

For a free guide with information, links and statistics for seniors in the United States, visit

Estate Planning

To help your executor or family after your death, document where your important papers are and where you have financial accounts.

A free and comprehensive tool is provided at

Financial Planning

Limit yourself to Certified Financial Planners (CFP), as they have at least passed a knowledge test and pledged to act in the best interests of the client.

The best way to find a CFP is to ask for referrals from friends or professionals you deal with.

If that doesn’t work, there are organizations that can help you.

To find a fee-only financial planner, see the National Association of Personal Financial Advisors at

Another resource for fee-only financial planners that may be more economical is the Garrett Planning Network at This is a group of certified financial planners who make themselves available for smaller projects for an hourly fee.


Veterans and their beneficiaries can request help at

One association that certifies money managers and does a criminal background check on candidates is the American Association of Daily Money Managers at

National Guardianship Association, Inc., has a website where you can locate guardians in your area Guardianship In The States | National Guardianship Association.
Members usually work for the city or county protective services for children and adults.


Find out what programs the US Department of Housing and Urban Development (HUD) offers for homeowners and renters at

There’s a comprehensive listing by state of assisted living facilities at


I liked this book: How to Cure Insomnia After 50


Many websites offer quotes, but you may be required to provide contact information so an agent can hound you, or the site may only cover companies that pay a fee to them.

If your first thought, as a senior, is to look at AARP, you need to remember this organization makes the majority of its money as an insurance affiliate.

There is no guarantee the plans associated with it are the least expensive or offer the best coverage. The only guarantee is that they pay AARP for each member who buys a plan.

Your financial planner may recommend certain companies, or you may already have some type of coverage with a company.

Otherwise, go online and get some quotes from companies such as New York Life, MetLife, Prudential, Transamerica, and State Farm. Quotes from five companies should give you enough of an idea of the cost and benefits of the various policies.


For a calendar listing stocks that pay dividends each month, see Kiplinger’s

For readable investment advice, I like the Oblivious Investor at Mike Piper’s blog is dedicated to simple, low-maintenance investing. Just what we seniors need.

I don’t recommend any other investment blogs or other tools. Remember, the goal is simplicity and protection from financial predators. I’m not encouraging any senior to play the stock market.


To find a lawyer in your area who specializes in elder law, contact the National Academy of Elder Law Attorneys at

Long-Term Care Insurance

Genworth offers a website tool where you can find the median long-term care costs in your state and city at

The best website to understand this type of insurance is at

Federal government retirees should examine the Federal Long Term Care Insurance Program at

For information on the Long-Term Care Partnership Program, visit

Companies still offering long-term care insurance policies include Northwestern Mutual Life, New York Life, Mass Mutual, Genworth and Mutual of Omaha.

CCRCs: Find the Right Continuing Care Retirement Community for Yourself Or a Loved One at


Best book about Medicare, and it’s free:

For forms,

To calculate your penalty if you didn’t enroll in Medicare Part D when first eligible:

For help with Medicare questions, use your free state health insurance assistance program (SHIP) at


Details on the ACTIVE study are available at

A summary of the MIND diet rules and suggested menus are available at


PACE stands for Program of All-Inclusive Care for the Elderly.

To see if there’s a PACE program in your area, visit


Learn what’s happening with laws and where to get help at

Reverse Mortgage

For federal government-backed loans, visit

Social Security

Here’s the Social Security website:

Here’s the Social Security chart showing at what age you qualify for full retirement benefits:

Here are their online calculators for various scenarios:


Kiplinger’s magazine has a website that compares the entire tax picture of states at

Veterans Benefits

Get started at

The National Council for Aging Care offers another comprehensive guide on military veteran benefit options at


If you want to volunteer but don’t know where to start, lists openings from groups of all causes. No matter what skills or interests you have, there’s a group that needs you.

Continuing Care at Home (CCaH)

Formerly known as virtual CCRCs or CCRCs without Walls, these life care plans are now called CCaH.

Be sure you understand what’s included in any plans and evaluate whether they are offer anything you couldn’t get using commercial services, such as Home Instead, on an as-needed basis rather than pay their ongoing monthly fee.

Here are the ones I know:

Arizona — Beatitudes Campus in Phoenix at

California — Eskaton Home Support Services at

Connecticut — Seabury at Home in Bloomfield at and the Jewish Home for the Ederly in Fairfied.

Florida — Senior Choice at Home by Gulf Coast Village in Cape Coral

Kansas — Brewster Place in Topeka at

Maryland and Pennsylvania locations — SpiriTrust Lutheran Home Care and Hospice

Michigan — Evangelical Homes of Michigan in eight locations at LifeChoices® Membership Plan – EHM Senior Solutions (; and Avenue by Porter Hills in Grand Rapids

New Hampshire — Hunt at Home in Nashua

New Jersey — Cadbury at Home at and Fellowship Village Senior Living at Home in Basking Ridge

Ohio — Kendal at Home in five locations and Friendship Village of Dublin

Pennsylvania — Friends Life Care in Blue Bell at

Tennessee —    Home – Envisage in Oakmont

Virginia — Westminster Canterbury on Chesapeake Bay Virginia Beach, VA at
and Goodwin House in Alexandria, VA at

Locations in Delaware and Pennsylvania plus information from one of the largest and oldest CCaH groups — FriendsLifeCare at

Multiple locations in U.S. — Evangelical Lutheran Good Samaritan Society LivingWell@Home at

The largest senior community providers including Brookdale, Erickson and Emeritus have more limited programs that provide home health care comparable to the franchise care givers such as Home Instead or Visiting Angels.

NOTE: Please use the Contact Us form to let me know about any changes I should make to this list.