For more information about the author, click to view their website: Entrusted Legacy Law
Although 26% of people in the United States have a disability, only 6% of housing meets basic accessibility requirements. 2 in 5 older adults experience a disability, and 1 in 5 adults are expected to be over 65 by 2030.
Many people with disabilities struggle to afford housing that meets their needs. For those receiving Supplemental Security Insurance (SSI), the cost of rent for a modest apartment in many areas can exceed their income, the National Low Income Housing Coalition reports.
When accessible residences are unavailable, individuals may feel institutionalized living is their only option. Yet most would prefer to reside in community settings.
Features of accessible housing include lowered counters, widened doorways, and zero-step showers. Adaptable housing can be modified to suit the needs of those with disabilities.
Location is also important for accessibility. Reasonably priced housing in communities with inexpensive public transportation and walkable or rollable sidewalks promote independence and allow individuals to remain active in their communities. Living and engaging with one’s community can also prevent isolation and loneliness.
In an effort to address the need for accessible and affordable housing for people with disabilities, Senator Bob Casey (D-PA) introduced the Visitable Inclusive Tax Credits for Accessible Living (VITAL) Act in April 2023. This legislation aims to increase investment in the federal Low-Income Housing Tax Credit (LIHTC) Program to address the housing needs of aging people and individuals with disabilities.
The LIHTC program incentivizes developers to build new housing for low-income renters through tax credits. Individuals can obtain LIHTC units when they meet location-specific income requirements.
The VITAL Act modifies the LIHTC program to increase the number of accessible homes and residences in navigable communities. This would provide more residential options for adults with disabilities, helping them remain in communities.
If adopted, the VITAL Act would change the LIHTC program in the following ways:
It would increase the overall funding for LIHTC for both the 4 percent and the 9 percent tax credits.
The 4 percent tax credit, known as the 30 percent subsidy, supports the rehabilitation of existing buildings or new construction financed by tax-exempt bonds. The Act would decrease the tax-exempt bond financing requirement from 50 percent to 25 percent, allowing states to allocate more 4 percent credits for building rehabilitations.
The 9 percent tax credit, known as the 70 percent subsidy, which supports new construction and substantial rehabilitation without federal support, would increase 50 percent over the 2021 leve
The Act would make more funding available for developers who build units for those with disabilities in accessible communities. It would give 130 percent more credits to developers who create adaptable and accessible units in areas with good EPA walkability scores. Developers would therefore pay fewer taxes.
The legislation would impose requirements on the percentage of accessible units constructed under LIHTC in a three-year period.
Forty percent must be adaptable and accessible for residents with disabilities. Or, if these units are located in walkable and rollable areas, states may lower the minimum to 20 percent. This incentivizes creating units in navigable areas, improving residents’ quality of life.
The program would give each state housing finance authority $150,000 annually. The funds would support the creation of LITHC resource centers for new and nonprofit developers.
The VITAL Act would establish a housing national advisory council. Comprising community-based organizations, housing developers, state housing finance agencies, investors, and the research community, this council would report on national trends and best practices for the program. The report would be available to states and the Secretary of Housing and Urban Development to review every three years.
If the VITAL Act becomes law, it could help support the housing needs of the aging and disabled population.
If you have questions, contact Sharek Law Office at 412-547-9855 or click here to schedule a complimentary 15-Minute Call with our staff to learn more about applying for LIHTC housing.
This article is a service of Sharek Law Office, LLC. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That's why we offer a Life and Legacy Planning Session, during which you will get more financially organized than you’ve ever been before, and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life and Legacy Planning Session and mention this article to find out how to get this $750 session at no charge. Please note this is educational content only and is not intended to act as legal advice.
As more seniors in Northern Colorado choose to age in place, the demand for high-quality in home care continues to grow. For families and caregivers, understanding what in home care entailsand how to find the right servicescan make all the difference in ensuring safety, comfort, and dignity for their loved ones.Whether you're just beginning your search or looking to explore options in your area, this guide is designed to help you navigate in home care services available throughout Northern Colorado. What Is in Home Care?In home care refers to professional caregiving services delivered in a seniors home. These services are designed to help older adults maintain independence while receiving the support they need with daily activities, medical needs, and companionship.In home care can be divided into two main types:Non-medical care: Includes assistance with bathing, dressing, meal preparation, housekeeping, and companionship.Skilled home health care: Provided by licensed professionals such as nurses or therapists, and may include wound care, medication management, and physical therapy.The goal is to allow seniors to stay in familiar surroundings while receiving tailored care based on their health and lifestyle needs. Why In Home Care Is a Smart Choice in Northern ColoradoNorthern Coloradohome to communities like Fort Collins, Greeley, and Lovelandoffers a unique combination of natural beauty, small-town charm, and access to excellent healthcare. For seniors and their families, its an ideal setting to explore in home care solutions.Heres why local families are choosing in home care:Comfort of home: Staying in a familiar environment can reduce stress, improve mental health, and enhance quality of life.Flexible scheduling: Services can be customized from a few hours a week to 24/7 care.Cost-effective options: Compared to residential facilities, in home care may offer more affordable and scalable support.Community-focused providers: Many caregivers in Northern Colorado have deep roots in the region, bringing compassion and local insight to their work. Services Offered by In Home Care ProvidersWhen considering in home care for a senior loved one, its helpful to understand the wide range of support services available. These may include:Assistance with bathing, grooming, and dressingMeal planning and preparationLight housekeeping and laundryMedication reminders and monitoringTransportation to appointments and errandsCompanionship and social engagementSkilled nursing or rehabilitation servicesMany providers in Northern Colorado offer personalized care plans that evolve based on a seniors changing needs.Explore In Home Care Listings in Northern Colorado Browse Home Health Agencies in Northern Colorado Choosing the Right in Home Care ProviderSelecting an in-home care provider can feel overwhelming, but asking the right questions can help narrow your options:Are caregivers licensed, trained, and background-checked?Is the agency Medicare-certified or state-licensed?Whats the caregiver-to-client ratio?Do they offer flexible service plans and hours?Can they provide references or testimonials?Its also important to involve your loved one in the process, tour agencies when possible, and evaluate how each provider tailors their services to the needs of Northern Colorado residents. Final Thoughts: Supporting Aging at Home with ConfidenceAging at home doesnt mean aging alone. With trusted in home care services in Northern Colorado, seniors can enjoy continued independence, improved safety, and meaningful daily connectionsall from the comfort of home. Seniors Blue Book is proud to offer a neutral platform to help families explore reliable care options, compare services, and make informed decisions with confidence.
As the aging population continues to grow across the U.S., many families are exploring options that allow their loved ones to age in place with dignity and support. Home care has become one of the most sought-after services for seniors who wish to remain independent while receiving help with daily living tasks or medical needs. For those living in Northern Colorado, the home care landscape offers a wide range of choices tailored to different levels of care.Whether you're just beginning your research or seeking immediate assistance, this guide will walk you through what home care is, who it helps, and how to navigate your options in Northern Colorado. What Is Home Care?Home care refers to a variety of supportive services delivered directly in a persons home. These services can range from non-medical assistancesuch as help with bathing, dressing, and meal preparationto skilled nursing care and therapy provided by licensed healthcare professionals.There are two primary types of home care:Non-Medical Home Care (also called Personal Care or Companion Care): This includes help with activities of daily living (ADLs), companionship, housekeeping, transportation, and meal support.Home Health Care: This involves clinical care provided by licensed professionals, such as nurses or physical therapists, and often requires a physicians order. Services may include medication management, wound care, therapy, and chronic disease monitoring. Benefits of Home Care for Seniors in Northern ColoradoSeniors in Northern Colorado enjoy the unique benefits of receiving care at home while remaining part of their community. Home care can:Allow seniors to maintain independence and stay in familiar surroundingsProvide personalized, one-on-one supportOffer flexible schedules based on needsReduce the risk of hospital readmission or institutionalizationSupport family caregivers by sharing responsibilitiesIn a region like Northern Coloradowhere outdoor spaces, tight-knit communities, and accessible senior programs are abundantaging in place with proper support is both realistic and enriching. Choosing the Right Home Care Services in Northern ColoradoSelecting the right home care provider begins with understanding your loved ones needs and knowing what to look for. Some important questions to consider include:What type of care is needednon-medical or medical?How often will care be required?Is the care agency licensed, bonded, and insured?What kind of training and background checks do caregivers undergo?How does the agency handle emergencies and after-hours support?Northern Colorado is home to a variety of trusted home care agencies offering diverse services. Whether you're in Fort Collins, Greeley, Loveland, or nearby rural communities, it's important to explore local providers who understand the specific needs of the areas senior population.Browse Home Care Providers in Northern Colorado Explore Home Health Agencies Near You Signs It Might Be Time to Consider Home CareYou may want to explore home care if:A loved one is recovering from surgery or illness and needs temporary helpDaily tasks such as cooking, dressing, or bathing are becoming difficultYouve noticed memory issues or signs of cognitive declineFamily caregivers are overwhelmed or experiencing burnoutThere is a new or worsening medical condition requiring monitoringEarly planning and open conversations can make the transition to home care smoother for everyone involved. Final Thoughts: A Personalized Path to Aging WellHome care empowers seniors in Northern Colorado to age gracefully and comfortably in the place they know besttheir own home. With a strong network of service providers and community resources, families have access to the support they need to make informed, compassionate decisions. At Seniors Blue Book, we are proud to provide a neutral and comprehensive platform for exploring home care options in your area. Whether you're searching for basic assistance or skilled nursing services, our directory connects you to trusted local resources.
As more seniors across the country seek flexible and maintenance-free lifestyles, Independent Living communities in Northern Colorado are becoming increasingly popular. Whether you're downsizing from a family home or looking for a vibrant social environment with fewer responsibilities, independent living offers freedom, convenience, and connectionall in one place.In this blog, well explore what independent living really means, why Northern Colorado is a prime location for this lifestyle, and how to start exploring local options confidently. What Is Independent Living?Independent Living is a type of senior housing designed for older adults who are generally healthy and self-sufficient but want to enjoy the benefits of a community-focused, low-maintenance lifestyle. Unlike assisted living or nursing care, independent living does not provide medical or personal care. Instead, it offers:Private apartments, townhomes, or cottagesCommunity dining and housekeeping optionsSocial events, clubs, and activitiesAccess to on-site amenities like fitness centers or walking trailsSafety features such as emergency response systems and secure environmentsIts ideal for seniors who want to simplify life while staying active and connected. Why Choose Independent Living in Northern Colorado?Northern Colorado, known for its natural beauty and high quality of life, is a top destination for retirees. From Fort Collins to Greeley to Loveland, this region blends small-town charm with urban conveniencemaking it a great place for independent living.Heres why seniors are choosing to settle here:1. Mild Climate & Scenic SurroundingsNorthern Colorados four-season climate and stunning mountain views make it a peaceful yet dynamic place to call home. Easy access to walking trails, parks, and community spaces encourages seniors to stay active and enjoy nature year-round.2. Cultural & Social OpportunitiesWhether its art festivals in Loveland or downtown events in Fort Collins, the region offers endless opportunities for seniors to stay engaged. Independent living communities often coordinate group outings, fitness classes, and continuing education programs to keep residents connected and fulfilled.3. Proximity to HealthcareNorthern Colorado is home to several top-tier healthcare systems, giving seniors and their families peace of mind. While independent living doesnt include medical care, being close to hospitals and clinics is an added advantage.4. Community Support & Senior ResourcesLocal organizations and directories like Seniors Blue Book offer helpful tools for navigating senior housing options and connecting with local services designed to support older adults. Is Independent Living Right for You?Independent living is best suited for seniors who:Do not need daily assistance with tasks like bathing or medicationWant to downsize and simplify their daily routinesAre looking for a built-in social networkPrefer not to worry about home maintenance or cookingValue their independence but want access to optional support servicesIf this sounds like youor a loved oneit may be time to explore your local options. Exploring Independent Living Options in Northern ColoradoWhen beginning your search, its important to tour multiple communities and ask the right questions. Consider factors such as:Housing styles and floor plansMeal plans and dining optionsScheduled activities and wellness programsTransportation servicesMonthly costs and contract flexibilitySafety and security featuresNorthern Colorado offers a variety of independent living communities with a range of amenities and price points to suit different needs.To begin your search, check out our full directory of Independent Living options in Northern Colorado. Final Thoughts: Embracing the Next Chapter Choosing independent living isnt just about finding a new place to liveits about discovering a lifestyle that supports your freedom, health, and happiness. Northern Colorado offers the perfect blend of beauty, accessibility, and vibrant community life for todays active seniors.
Comprehensive Special Needs Estate Planning & Special Needs Trusts in PennsylvaniaEstate planning for families with special needs children presents a unique set of financial, legal, and healthcare challenges that require the expertise of a special needs planning attorney. Not all estate planning lawyers understand the intricacies involved, but the experienced special needs estate planning attorneys at Entrusted Legacy Law are dedicated to ensuring your child with special needs is fully protected when you are no longer able to serve as their primary caregiver.We provide a full range of estate planning services tailored to families with special needs children in Pennsylvania. Our goal is to help you preserve assets for your childs future care while ensuring they remain eligible for essential government benefits like Medicaid and Supplemental Security Income (SSI). We assist in setting up special needs trusts (SNTs) to safeguard financial resources, appointing legal guardians and trustees, and identifying long-term care options to ensure your child receives the best possible support and housing solutions.Special Needs Trusts & Asset ProtectionOne of the most significant challenges in special needs financial planning is ensuring that your child has adequate resources without jeopardizing their eligibility for public assistance programs. Many families unknowingly risk disqualifying their child from essential benefits by leaving them a direct financial inheritance. Instead, the best strategy is to establish a special needs trust to provide financial security while preserving their access to Medicaid, SSI, and other government assistance programs.A properly structured special needs trust allows funds to be used for supplemental expensessuch as medical care, therapy, education, and personal carewithout affecting eligibility for disability benefits. However, the regulations governing these trusts are complex. Funds must be managed by a designated trustee and cannot be distributed directly to the beneficiary, as this could trigger disqualification from public benefits. Additionally, a child's needs evolve over time, making it critical to have a trust that can adapt to changing circumstances and legal requirements.By working with an experienced Pennsylvania special needs attorney, you can ensure that your childs special needs trust is legally sound, structured correctly, and customized to their specific requirements.Special Needs Planning for Families in PennsylvaniaAt Entrusted Legacy Law, we specialize in estate planning for children with disabilities, including Down syndrome, autism, cerebral palsy, and other developmental or intellectual disabilities. Our firm helps families create a comprehensive life care plan that provides financial security while safeguarding access to government benefits and essential support services.Whether you need help establishing a special needs trust, securing a legal guardian, or planning for long-term care and housing, our Pennsylvania special needs planning attorneys are here to guide you through every step of the process.Contact Entrusted Legacy Law today to start creating a sustainable, secure future for your child with special needs.
Estate Planning for Everyone You Love and Everything You OwnHave you ever considered what would happenlegally and financiallyto you, your family, your assets, and everything you care about if the unexpected were to occur?If your estate plan is outdated or non-existent, your assets could be lost to the State Department of Unclaimed Property, subjected to an expensive and time-consuming probate process, or even end up in the wrong hands. Without a comprehensive estate plan, your loved ones may face unnecessary financial hardship, legal disputes, or court intervention at a time when they need certainty and protection the most.If you dont know exactly what would happen to everything you own and everyone you love, the first step is to gain clarity. You need to understand how your current estate plan (or lack thereof) will impact your family so you can make informed decisions about whether it truly aligns with your wishes.How Entrusted Legacy Law Helps You With Estate PlanningWe offer customized estate planning solutions designed to protect your family, preserve your wealth, and ensure your wishes are honored. Through our Life and Legacy Planning Session, we take the time to educate you on the legal, financial, and personal implications of your estate choices.Step 1: The Life and Legacy Inventory & AssessmentBefore your Life and Legacy Planning Session, you will complete a comprehensive estate inventory that outlines your financial assets, real estate holdings, retirement accounts, life insurance policies, and other valuable property. This step ensures that we have a full picture of your estate and can identify potential gaps in your asset protection strategy.Step 2: Creating a Personalized Estate PlanIf you decide that your current estate plan is inadequateor if you dont have one at allwe will work together to design a legally sound and strategically structured estate plan that meets your familys unique needs. The foundation of your estate plan will often include a revocable living trust, which allows you to transfer your assets into the trust while maintaining control during your lifetime.Benefits of a Revocable Living Trust: Avoid Probate Prevents the time-consuming and expensive court process that could otherwise delay asset distribution. Minimize Estate Taxes Helps reduce tax liabilities and protect your wealth for future generations. Ensure Privacy Unlike a will, which becomes public record, a trust ensures your estate remains private. Maintain Control Dictate how and when your assets are distributed to your heirs.For families with complex financial portfolios, business ownership, or special circumstances (such as blended families or special needs children), we offer advanced estate planning strategies tailored to your specific goals.Can You DIY Your Estate Plan?Many people wonder if they can create an estate plan using online templates or generic legal services. Unfortunately, most DIY estate plans fail when families need them the most. What often passes for "estate planning" is nothing more than basic document generation, where you answer a few questions and receive a generic template that may not fully protect your assets or your loved ones. No Personalization A generic template cannot address your unique family dynamics, financial situation, or specific legal concerns. Legal Loopholes Improperly structured wills or trusts may be contested in court, leaving your family in legal disputes. No Ongoing Maintenance Estate laws change, and without updates, your plan may become outdated and ineffective.At Entrusted Legacy Law, we dont just draft documentswe provide comprehensive estate planning services that ensure your estate plan actually works when it matters most. We take the time to understand your familys needs, educate you on your options, and create a legally enforceable, tax-efficient, and conflict-free estate plan that gives you peace of mind.Protecting Families & Minor Children Through Estate PlanningIf you are a parent with young children, your estate plan should begin with a solid foundation that ensures your children will always be taken care of, no matter what happens. Without the proper legal protections in place, your children could end up in the custody of someone you wouldnt have chosenor worse, under state guardianship.At Entrusted Legacy Law, we specialize in estate planning for families with minor children. We help parents:Name Legal Guardians Ensure your children are raised by trusted individuals of your choosing.Set Up Trusts for Minor Children Prevent financial mismanagement by appointing a responsible trustee to oversee assets.Establish Emergency Plans Provide clear instructions for immediate care in case of sudden incapacity or death.Whether youre planning for minor children, adult dependents, elderly parents, or a complex estate, we can guide you through the estate planning process with personalized strategies to protect your familys future.Secure Your Legacy With Entrusted Legacy LawEstate planning isnt just about who gets whatits about ensuring that your loved ones are financially secure, legally protected, and prepared for the future.If you want to create a comprehensive estate plan that reflects your wishes, avoids probate, minimizes taxes, and keeps your loved ones out of court and out of conflict, then now is the time to take action Contact Entrusted Legacy Law today to schedule your Life and Legacy Planning Session and take the first step in protecting your family, your assets, and your future.
Our Firm Prepares You for Life What makes our firm different is that we were built with the needs of growing families in mind. We understand you are BUSY, you are growing, you are planning for a life of prosperity and you value ease, convenience and efficiency. You are raising children, and caring for elderly parents, while also working hard to build your own nest egg for a lifetime of support. You want to know youve made the best decisions for your family and that your plan will work when your loved ones need it most. You want to make sure your minor children would be raised by the people you choose, and never by anyone you wouldnt want, and that your teens and adult children are properly prepared to care for you and what you leave behind. You want to feel confident that youve made the right choices, and handled everything so that you arent leaving behind a mess, when something happens. That is our focus as well. Weve developed unique systems to give you the same access to a Personal Family Lawyer as was previously only available to the super-wealthy, so you can have the guidance you need to build and maintain a life of prosperity and wealth. And, to keep your family out of court and out of conflict, which is the greatest risk to the people you love and all you have created, even if youve already worked with a traditional lawyer or created documents online. Our Team Is Here for You We encourage communication with our clients. In fact, weve thrown out the time clocks so you never have to be afraid to call with a quick question. Everything we do is billed on a flat-fee basis, agreed to in advance, so there are never any surprises. We have a whole team to serve you. When you call our office to ask your quick question, you wont have to wait hours or days for a phone call back. Youll get your question answered, right away. And, if you need to schedule a more in-depth legal or strategic call with your Personal Family Lawyer, a call will be scheduled when you're both available and ready for the call so we can make the very best use of your time and not waste your time by leaving voicemail after voicemail back and forth. And, we ensure the most important details of your planning are followed through on and your plan continues to work throughout your lifetime. We have a funding coordinator to ensure your assets are owned the right way throughout your lifetime and none of your assets will end up going through a long, expensive court process or being lost to the state because they were missed after your death. Weve created unique membership programs to keep your plan up to date year in and year out as well as give you access to our Trusted Team of Legal Experts for guidance on ANY legal or financial matter. One day you will need a lawyer. I dont know why and I dont know when, but when you do, you will be grateful you can call on us and well be here to advise you or get you out of a jam. We Help You Transfer Your Life and Legacy Lastly, we believe your financial wealth is only a small part of your overall Life and Legacy Planning which is made up of your far more valuable and most often lost upon incapacity or death intellectual, spiritual and human assets. These assets are what make you who you are, and sum up whats most important to you. And, a survey of inheritors has revealed that what they care about even more than inheriting your money, is inheriting these intangible assets. Most estate plans only focus on the transfer of your financial wealth to the next generation. Most people have such great intentions of passing on the intangible, but very few ever get around to it. Its just not a priority, until its too late. How much do you know about your grandparents values? Their most prized personal possessions? How they felt about you? What they had learned during their lifetime? If you are like most people, you know very little. Thats why we build the capture and passage of these most valuable assets into every estate plan we create. Not only will we help you pass on your money, but also your values, your insights, your stories and your experience the truly valuable assets your loved ones care about the most. Weve developed a tool that allows us to capture and pass on your whole family wealth, including your Intellectual, Spiritual and Human assets. I cant go into all of the details here, but well definitely talk about it when you come in for your Life and Legacy Planning Session.