Senior Resource Directory 2016-2017

Health
Services

UROLOGY

NEW RIVER UROLOGY
Michael J Langley, MD
29 Plantation Park Drive Suite 202, Bluffton
843-706-2255
THE UROLOGY GROUP
Manuel J Perez, MD
25 Hospital Center Blvd Suite 302, Hilton Head
843-681-8203

VISION CARE

DR. MICHAEL CAMPBELL
OPTICAL SOLUTIONS
See ad on page 51
10 Hospital Ctr. Commons Suite 100,
Hilton Head
843-681-6682

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wLiviteholifuet
knee pain.

The Doctors Care osteoarthritis
program can help!

• Non-surgical, in-office procedure
• Zero recovery time
• Near 90% success rate a completion of

program
• Covered by Medicare and most major

insurances!

This program is o ered locally in the Lowcountry area
at a Doctors Care clinic near you.

Call today to setup your private consultation! Call toll free 1-855-344-5633.
www.DoctorsCare.com/KneePain

Don’t let PAIN keep you from
doing what you love!

Visit your Bluffton BenchMark today.
Our advanced certifications mean that
we’re trained to get you moving and
feeling better—faster!

1017 Fording Island Rd, Suite F-101 • Bluffton, SC
(843) 815-2563 • benchmarkpt.com

Urgent Medical Care You Can Trust.

www.getIMMEDIATEcare.com

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Professional ATTORNEYS: REAL ESTATE
Services
GILBERT LAW FIRM LLC
ATTORNEYS: ELDER LAW/ See ad on page 59
ESTATE PLANNING 2 Professional Village Circle, Beaufort
843-524-4000
ELDER LAW & ESTATE PLANNING CENTER THE BANNON LAW GROUP LLC
See ad on Inside Front Cover See ad on page 56
10 Pinckney Colony Road Suite 300, Bluffton 10 Westbury Park Way Suite C-1, Bluffton
843-757-5294 843-815-4505
WEST OLIVETTI, LLC
See ad below
2 Corpus Christi Place Suite 105, Hilton Head
843-341-9260
THE BANNON LAW GROUP LLC
See ad on page 56
10 Westbury Park Way Suite C-1, Bluffton
843-815-4505
LOWCOUNTRY LEGACY LAW FIRM
Boutique Estate Planning Firm
1815-A Boundary Street, Beaufort
843-593-8083

ESTATE PLANNING & PROBATE LAW

n Estate Planning n Probate
n Wills & Trusts n Estate Administration
n Elder care issues & Litigation
n Guardianship n Conservatorship

Catherine West Olivetti Alisa L. McCray PERSONAL counsel
collaborative APPROACH
Attorney Attorney DY N A M I C R E S U LT S

www.westolivetti.com
The Professional Building n 2 Corpus Christi Place Suite, 105 n Hilton Head Island, SC 29928
ph 843.341.9260 n fax 843.341.9261 n [email protected]

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Professional HEALTH INSURANCE & MEDICINE
Services
LOWCOUNTRY HEALTH BROKERS
FUNERAL CARE: END OF Your Source for Medicare Help
LIFE SERVICES 105 Central Avenue Suite 200C, Goose Creek
843-790-4467
KEITH FUNERAL CARE
Professional and Affordable Funeral Care PROPERTY AND CASUALTY
63 Arrow Road, Hilton Head Island INSURANCE
843-715-4584
SIX OAKS CEMETERY STATE FARM INSURANCE - KEVIN SEVIER
See ad on below See ad on page 57
175 Greenwood Drive, Hilton Head Island 31 Innovation Drive Suite 100, Bluffton
843-384-3796 843-837-2886
MY LIFE’S MESSAGE
Sharing Your Legacy STATE FARM INSURANCE -JOHN MALLETT
Communicating Your Final Wishes See ad on page 57
www.mylifesmessage.com 15 Mallett Way, Bluffton
843-815-4888

Criminal Defense Personal Injury Wills Real Estate Closings & Litigation
10 Westbury Park Way, Unit C-1 Bluffton, SC www.BannonLawGroup.com (843) 815 4505

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Need
someone
that speaks
fluent
insurance?

We’ve got an agent for that.

No one wants to pay for unnecessary extras and with the expert help of a State Farm® agent, you won’t have to.
They’ll make sure you understand your options, and that you have the best coverage at the best price.
Like a good neighbor, State Farm is there.®
CONTACT AN AGENT TODAY.

John Mallett, Agent Abbi Keen, Agent Kevin Sevier, Agent

15 Mallett Way 149 Riverwalk Blvd, Ste 10 31 Innovation Dr
Bluffton, SC 29910 Ridgeland, SC 29936 Bluffton, SC 29910
Bus: 843-815-4888 Bus: 843-645-4330 Bus: 843-837-2886
www.johnmallett.com www.abbikeen.com www.kevinsevier.com

statefarm.com® State Farm, Home Office, Bloomington, IL 57

1001184.1

Brian T. Treacy, Esq.

Elder Law & Estate Planning Center

Plan for Tomorrow, Today

Q. Why an Elder Law Attorney?

Elder law attorneys advocate for the senior community and their loved ones. They handle a
wide range of legal matters affecting older or disabled persons that includes traditional estate
planning, lifetime planning, long term care planning, guardianship, Social Security, Medicaid,
VA benefits, special needs planning, and other important matters. They are “specialists” because
of their focus on the needs of older adults, which are often different and more specialized than
the needs of younger adults. Not only can they handle important financial and estate planning
matters, they also give advice affecting the actual care of seniors, such as assisted living and
nursing homes.

Q. How Can an Elder Law Attorney Help Me?
Elder law attorneys can help with any one of the following:

• Discuss the importance of Wills and traditional estate planning and probate administration,
and litigation

• Create powers of attorney for finances and health care
• Financial planning including, housing opportunities and planning, income, estate, and gift

tax matters
• Guardianship/Conservatorship: help with the selection and appointment of a legal guardian
• Help locate long term care facilities and manage assisted living cost
• Medicaid and VA benefits planning

Q. How Do Elder Law Attorneys Bill for Their Services?

In most cases, elder law attorneys charge flat rates, quoted in advance based on the type of
planning, such as traditional estate planning and asset protection planning. For other work,
particularly that which may include litigation, they generally charge by the hour.

Q. What Questions Should I Ask an Elder Law Attorney?

Most elder law attorneys do not specialize in every area of law affecting the senior commu-
nity, so it is important to hire an attorney who has experience in your particular area of concern.
Also, before selecting an elder law attorney, you should feel comfortable that he or she will
represent you or your loved ones in a sensitive and understanding manner.
Here are some questions you should ask:
• What percentage of your time is devoted to elder law?
• Do you have a particular emphasis on a certain area

within elder law?
• What information should I prepare for our first meeting?
• How are your fees computed?

There are numerous ways to find a qualified elder law Brian T. Treacy, Esq., Owner/Attorney
attorney. Referrals from friends and family or online Rebekah Freeman, Esq., Associate Attorney
research may be a good start.

Elder Law & Estate Planning Center• 10 Pinckney Colony Rd Bldg 300 I Bluffton, SC 29910
843.757.5294 • www.HiltonHeadElderLaw.com

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Derek C. Gilbert

attorney at law
A Limited Liability Company

Over Ten Years Experience Serving Lowcountry
Buyers and Sellers with Closings, Deeds,
Contracts and Title Insurance.

Derek C. Gilbert [email protected]
Melissa R. Wicker [email protected]
Alisha Doud [email protected]
Bobbi Albridge [email protected]
Daun Schouten [email protected]
Dawn Shipsey [email protected]
Emily Bradley [email protected]
Joy McConnell [email protected]

Check Us Out on FACEBOOK at Gilbert Law Firm LLC

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Professional
Services

PROPERTY AND CASUALTY PET CARE
INSURANCE
THE BARK SHACK
ALLSTATE INSURANCE - STEVE HELWIG We Spoil the People and the Pets
See ad on page 63 33 Ulmer Road, Bluffton
42 New Orleans Road Suite 100, Hilton Head 843-757-0888
843-842-2100
REAL ESTATE SERVICES
LONG TERM CARE AND LIFE (HOME BUYING AND SELLING)
INSURANCE
BASILE PROPERTY GROUP/
STATE FARM INSURANCE – ABBI KEEN KELLER WILLIAMS REALTY HHI
See ad on page 57 See ad on pages 5, 64, 65
149 Riverwalk Boulevard Suite 10, Ridgeland Hilton Head, Bluffton, Sun City & Beaufort
843-645-4330 843-620-2535
LONG TERM CARE PLANNING
CONSULTANTS, LLC REVERSE MORTGAGE
See ad on page 63 AND HOME FINANCING
Lady’s Island
843-812-6665 COASTAL STATES BANK
ACASIA PARTNERS, See ad on page 68
MADELINE WADE TUCKER, PARTNER 5 Bow Circle, Hilton Head
Long Term Care Solutions & Claim Assistance 843-341-9900
Home Care Plan with Prescription Benefit MOVEMENT MORTGAGE/JULIE KARPIK
843-271-6311 Your Lending Expert with Experience
36 William Pope Drive Suite 203,
MOVING AND ORGANZING Bluffton
843-816-0382
TRISH UREMOVICH RELOCATION SERVICES OPEN MORTGAGE LLC
See ad on page 63 Specialists in the New Reverse Mortgage
Specializing in Downsizing 15 Hospital Center Commons Suite 100B,
843-422-0314 Hilton Head
LIBERTY AUCTIONS 843-368-5535
See ad on page 63 HAMILTON FUNDING LOANS/
912-653-5500 ELAGENE TROSTLE
VIRGINIA’S EASY LIVING SOLUTIONS Reverse Mortgage Specialist for 20 years
We Organize-Pack-Unpack 22 Corpus Christie Suite 103, Hilton Head
754 Colonial Drive, Hilton Head 843-338-9017
843-732-2606 FRANKLIN FUNDING/JOAN HILLMAN, MBA
HILTON HEAD MOVING & STORAGE Reverse Mortgage Specialist, NMLS #507821
Contact Us for All Your Moving and Storage Needs 22 Biltmore Drive, Bluffton
18 Buckingham Plantation Drive, Bluffton 843-227-2433
843-837-2255

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Professional VETERAN SERVICES
Services
NEWCASTLE CONSULTING/DAVID TRACY
RETIREMENT PRE-PLANNING See ad below
7 Niblick Court, Hilton Head
PRUDENTIAL, BRYAN WEATHERSBEE, 843-540-9926
FINANCIAL ADVISOR
Social Security, Medicare, Income Planning Worried you’ll
1278 May River Road Suite 300, Bluffton outlive your
843-706-2100 retirement
savings?
EDWARD JONES/JAN WILLIAMS
See ad below Jan Williams
23B Shelter Cove Lane, Suite 203, Hilton Head
843-540-0061 Financial Advisor

TAX ASSISTANCE 23B Shelter Cove Lane, Suite 203
Hilton Head Island, SC 29928
MICHAEL P. THOMPSON, CPA 843-540-0061
Income, Trust, Gift and Estate Taxation www.edwardjones.com
10 Pinckney Colony Road, Bluffton
843-815-9399 Member SIPC

TRANSPORTATION

SHORELINE MEDICAL TRANSPORT
See ad on page 29
843-645-9191

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PERSONAL
SERVICE
IN PERSON

What does it mean to be IN good
hands?SM It means you get me, a
local expert agent to help you
whenever you need it. I’ll use my
local knowledge to help protect
you based on your specific
needs. Call or stop in for a free
Personalized Insurance Proposal
today.

Personalized service.
Trusted advice.

Steve Helwig & Associates
843-842-2100
42 New Orleans Rd., Ste. 100
Hilton Head
[email protected]

Subject to terms, conditions and availability. Allstate Property and Casualty Insurance 184175
Co., Allstate Fire and Casualty Insurance Co., Allstate Indemnity Co., Allstate
Vehicle and Property Insurance Co. © 2016 Allstate Insurance Co.

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Is It Time To Sell Your Home?
From the Moving On Guide, published by the SRES® Council, Seniors Real Estate Specialist®

Are you thinking of selling your home to move to a senior supportive environment? Or
perhaps to move in with an adult son or daughter who can help with your needs as you grow
older?

You may be considering leaving the family home with all that it represents—the place
where children were raised; the safety and security of a family unit; the physical space where
your oldest and dearest memories reside. For seniors, it can signify the best years of their
lives, where friends and community ties were made.
Many seniors would prefer to continue living in their own home, or aging in place.
Sometimes, circumstances work against those preferences:
• Home maintenance becomes a burden
• A major life event forces considering a move
• An aging parent wants to live closer to adult children or

other caretakers
• Financial concerns make it difficult to keep the home
• Support services are needed that are not available at home

Photo courtesy The Cypress of Hilton Head

Photo courtesy Clayton Girard

To request a PDF of the Moving On Guide, or questions on
selling your home, please contact Susan Basile, S.R.E.S.® with
the Basile Property Group, Keller Williams Realty, 843-620-2535

or email Susan at [email protected]

64

Whatever the reason, there may come a time when parents, along with their adult chil-
dren, consider selling and moving on. The following information is designed to help guide
your family through the complex issues and unique situations you may encounter during the
process.

Many homeowners have previously bought and sold homes. However, selling a senior’s
home can be much more complicated, due to the number of unique issues and decisions—
and sometimes the number of people involved. Though seniors usually make the decision to
sell, it is not uncommon for adult children to help them sort through these and other issues:
• Is moving the best alternative? If so, where? Have other options been explored?
• Are close family members on board with a decision to sell?
• What is the best way to downsize a lifetime’s worth of possessions and family heirlooms?
• What are the tax-related implications of a sale?
• What effects might a sale have on future income?

The financial, logistical and emotional issues involved in a move can be stressful for a
family to navigate. Senior parents and their adult children may feel they are in unfamiliar
waters as they deal with these questions.

A real estate professional who has experience in senior’s issues, and who can put you in
contact with other similarly-trained professional advisors, can be an invaluable resource at
this time. You can count on a Seniors Real Estate Specialist® (SRES®) to help guide you
through the process and the special considerations, making the transaction less stressful
and more successful.

Your Seniors Real Estate Specialist (SRES®) can help you navigate this process.
They can:
• Familiarize you with the various types of senior housing available in your area.
• Suggest important questions to ask when you’re visiting various housing options.
• Refer you to other professionals who can help you understand and compare the true costs

of each option, determine which options are affordable based on your financial situation,
and examine the legal contracts involved in the process.
• Suggest a geriatric case manager to help determine the parent’s needs.

amazinghhihomes.com [email protected]

Contact us for a FREE consultation:
843-620-2535

Susan Basile REALTOR®

Basile Property Group

ASP® - Accredited Staging Professional
SRES® - Seniors Real Estate Specialist

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The Haven,
a Del Webb 55+ community

Photo courtesy Clayton Girard

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“I’m your SRES®!” Article Provided by: Susan Basile REALTOR® SRES® KW (843) 620-2535

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Mortgage Solutions

The Mortgage Originators at Homeowners Mortgage, a subsidiary of
CoastalStates Bank, work with you to offer local solutions to meet virtually
any local mortgage need. Call us soon. Like you, we’re local. And proud of it.

“I was struggling with my existing mortgage payment and was faced
with having to live with one of my children. Now, I feel a sense of relief

having done the “reverse” and am working toward a healthy future
because of the security it will give me. I am sincerely grateful for the

Homeowners Reverse Mortgage team and their patience.”

5 Bow Circle (Hilton Head Island), 843.341.9900 • 98 Main Street (Hilton Head Island), 843.689.7800

7 Thurmond Way (Bluffton), 843.837.0100 • 30 William Pope Drive, Suite 101 (Sun City), 843.705.1200

coastalstatesbankwww. .com *All loans made by Homeowners Mortgage www.homeownersmtg.com
Enterprises, Inc., NMLS ID #154698.

Did You Know That Nearly Ten Thousand
Baby-Boomers Retire Daily?

A way to help reach financial stability could be to access a portion of the equity you have built
into your home through a Reverse Mortgage loan.

Requirements include:
• Reverse Mortgage loan must be on a primary residence (not a vacation or rental property)
• Homeowners must be at least 62
• Credit and verification of Income will be part of the application process review
• Any outstanding debt against the property must be paid off with proceeds from

the Reverse Mortgage loan
A Reverse Mortgage loan has no repayment schedule so there are no monthly payments

to make.
Before an application will be taken, homeowners are required to contact a HUD-Approved

Counseling Agency. This appointment may be in person or by phone.
Many loan options are available, so please contact or visit your local Reverse Mortgage

Specialist.

Information provided by: CoastalStates Bank - Homeowners Mortgage Enterprises

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weealtl

A Lowcountry farm to table restaurant passionately
committed to great local food & handcrafted cocktails.

~ Lunch & Dinner BOGO Specials ~

Lunch ~BUY ONE BURGER, GET ONE FREE
Dinner ~BUY ONE PIZZA, GET ONE FREE

Mention the Seniors Resource Directory and receive discount! Good until 10/31/17

REAL FOOD. REAL GOOD.
1533 Fording Island Road | 843.837.5111 | neohhi.com

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ENTERTAINMENT & a"chill"restaurant"on"coligny"beach
RESTAURANTS
Now Serving Montgomery Inn Ribs

Mention the BOGO Dessert
Seniors Resource Directory or Social Plate

to receive all discounts! wDeSitiqhssouMcomaaocuneluisayontelrtopxplatceulhaplsruetcpsesrhlosiidaeoribssnsveescatololo2auuwdpeenep.nt“sl,Cbytsrc.laeueoDneerutinssplooicnforotoensrbu”oeodnocritscnipeacomrxlomocpuembllnuaniotndtu.etee.iodsonf.
Located at 5 Lagwowown.bRoomadbo(SraosugtrhillEe.ncdo)m* (843) 689-2662

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RSAIVVANENRAHB’SOOANLTY

TOURS & DINING EXPERIENCE

Enjoy refreshing river breezes
and savory flavors of the South on
board our New Daily Luncheon
Cruise, delight yourself over an

elaborate brunch buffet during
our Sunday Brunch Cruise,
experience true waterfront
dining, live entertainment and
dancing on board our popular

Dinner Entertainment Cruise,
plus many others!

Seniors receive 10% OFF
with promo code SRD

FOR TICKETS, CRUISE SCHEDULE
AND INFORMATION

912.232.6404 | 9 E. River St.

www.savannahriverboat.com

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Daily Small Group Tour includes:
Boat Ride to and from Hilton Head • Visit with Local
Historians • Golf Cart Use • Local Guide • Dolphins

est. 1979

For reservations & information call

800.686.6996

www.outsidehiltonhead.com

Craft Burgers, Brats & Beer

40 American Craft Draft Beers
Grass Fed Beef, Growlers To Go

Home Made Ice Cream

www.fat-patties.com 831 Parris Island Gateway , Beaufort, SC 29906 - (843)379-1500
207 Bluffton Rd Old Town Bluffton, SC 29910- (843) 815-6300

Salt Marsh Brewing

A craft brewery located in the
heart of Old Town Bluffton,
SC. Our mission is simple, to
brew great innovative beers for

our neighbors to enjoy.

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ImpSrotavyeAYoctuivreG&ame!

Island Golf School Instructional Packages

Professional Private Instruction Includes video analysis $59/half hr, $99 hr
Special Package One hour of instruction with video analysis, lunch, and 18 holes of
golf playing on your own. $179

Half-Day Golf School 2.5 hours of instruction covering all aspects of the game with
online video analysis. $179

Full-Day Golf School 2.5 hours of instruction covering all aspects of the game, video
analysis, lunch, and 18 holes of golf, 9 of which are played with your Professional. $279
Half-Day Short Game School 2 hours of instruction covering chipping, pitching,
putting, and bunker play with online video analysis. $159
Full-Day Short Game School 2 hours of instruction covering chipping, pitching,

putting, and bunker play with online video analysis, lunch, and 18 holes of golf,

9 of which you play with your Professional. $249

Total Golf Experience One hour TPI Fitness Assessment and equipment analysis,

2.5 hours of instruction covering each aspect of the game, online video analysis,

lunch, and 18 holes of golf, 9 of which are played with your Professional. $399

• One Hour Private Trackman® Lesson Special $99
• Two Hour Private Trackman® Lesson and Titleist Club Fitting Session

Special $199

Call for lessons: 843.686.3355
Or visit our website: IGSHH.com

Keith Bach . Director of Instruction Chris Tremblay . Lead Instructor

Junior Golf Camps
for Future Generations!

ONE DAY Camps • $199 per Junior
TWO DAY Camps • $299 per Junior
Three-Five Day Camps Available
Ask About Our Full-Time Academy
Camps Available Monday-Friday, Year Round

Call to register: 843.686.3355
Or visit our website: JrPGA.com

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2016/17

theater series

arts center of coastal carolina

Jane Austen’s 10/4 - 23, 2016

PRIDE & PREJUDICE

All of the wit and romance of Jane Austen’s most famous novel
vividly comes to life in this refreshingly fast-paced and engaging new
adaptation by Jon Jory about life, love and marriage in British society.

Irving Berlin’s 12/7 - 31, 2016

WHITE CHRISTMAS

Based on the 1954 film starring Bing Crosby, the musical White
Christmas showcases classic songs like “Count Your Blessings,”
“Sisters,” “How Deep is the Ocean,” and the title song “White
Christmas.” A heartwarming holiday musical for the whole family!

leading ladies 2/7 - 26, 2017

A hilarious comedy of two actors who find their careers in a rut hear
of a wealthy heiress whose health is failing. Plans are to leave her
fortune to her long lost nephews…who turn out to be nieces instead!
Chaos ensues when they play the part of their lives to get the cash!

SISTER ACT 4/26 - 5/21, 2017

A feel-amazing musical comedy that tells the story of a wannabe Las
Vegas diva whose life takes a surprising turn when she witnesses a
crime and the cops hide her in the last place anyone would think to
look—a convent! Great fun and a fantastic score!

Benny Anderson & Björn Ulvaeus’ 6/14 - 8/6, 2017

MAMMA MIA!

A perfect summertime musical about a bride-to-be with one wish: to
have her absent father walk her down the aisle. The story-telling magic
of ABBA’s songs propels this enchanting tale of love and friendship.

A SEASON OF GREAT SHOWS IS JUST THE BEGINNING

In addition to our five productions (above), the Arts Center proudly presents year-round performances from
world-class dance to side-splitting comedy. We also provide summer camps (perfect for the grandkids!),
workshops (for all ages), as well as free family festivals and special events for the entire Lowcountry.

Visit our website at www.artshhi.com for tickets, subscriptions and the most
up-to-date performances. Or call (843) 842-ARTS (2787).

ARTS CENTER OF COASTAL CAROLINA

14 shelter cove lane | artshhi.com | 843-842-arts(2787)
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Protect The Ones You Love

Smart911 is a free, new service available in your community to help you
when you call 9-1-1. Once you’ve signed up, first responders will be
aware of important information you have provided that will help them
address your emergency. This information – including medical issues,
current location and even pets - can help Police, Fire and EMS locate
and help you.

- A free service – Provided by your community

- Private and secure – You control your information

- Saves time in an emergency – When seconds count

Because every second counts. Sign up today.

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Benefits Available to Seniors
in South Carolina

AGE 85 Exempt from the additional 1% sales tax (Code 12-36-2620). Senior citizens must ask for exemption
at time of purchase and may be required to show proof of age. A card identifying the bearer as eligible for the
exemption from the additional 1% sales tax may be obtained by calling the S.C. Department of Revenue at
803-898-5405.
AGE 70 Choice to serve or not to serve on federal court jury duty.
AGE 65
Apply for Social Security whether planning to retire or not (may apply 3 months prior to Social Security
retirement age).
Apply for Medicare (automatically eligible if qualify for Social Security benefits).
Part A – hospital insurance – free.
Part B – other medical services, which require a monthly premium. There is a penalty for late enrollment.
Medicare pays 80% of allowable charges after deductible. Individual must pay remaining 20% and any other
additional charges.
Part D – Prescription drug benefit, effective January 2006.
May be eligible for Supplemental Security Income (SSI) payments depending on resources and income.
If you are eligible for SSI, you automatically receive Medicaid.
Homestead Tax Exemption – first $50,000 of the fair market value of a house or mobile home owned by a
state resident of at least one year is exempt from municipal, county, school, and special assessment real
property taxes. Exemptions provided to surviving spouses who are 50 or older and anyone who is legally
blind or has a permanent disability, regardless of age. Apply at county auditor’s office on or before July 16.
(Code 12-37-250)
Income Tax - South Carolina will allow a $15,000 deduction from taxable income for taxpayers 65 years of
age and older. Taxpayers under age 65 may exclude from taxes $3,000 of their qualified retirement income
annually (SC Code 12-6-1140). At age 65, the deduction may be applied to any income up to $15,000.
Choice to serve or not to serve on city, county or state jury duty. (Code 14-7-840)
Discounted Palmetto Passport admission to state park facilities.
Hunting and Fishing Licenses– State residents at age 64 may buy $9 senior lifetime licenses that include
hunting and fishing privileges, effective July 1, 2005. Call (803) 734-3838.
Vehicle Discount - biennial registration fee for private passenger-carrying vehicles discounted to $20. The
annual registration fee for any property carrying vehicle with a gross weight of 5000 pounds or less is $30
biennially. (Code 56-3-620) Free Eye Care – call 1-800-222-EYES (3937) to receive
referral to local ophthalmologist who will provide needed medical eye care at no cost to qualifying individu-
als. Must be US citizen. Does not cover hospital charges, drugs or eyeglasses – Weekdays 11 am to 7 pm.
AGE 62 Apply for Social Security if plan to retire. Apply no later than last day of month you want benefits to
begin. Special discounts may be given on eyeglasses, lenses, or any accessories. (Code 40-37-240)
AGE 60 Free tuition at all state supported educational institutions that include state universities, colleges,
and technical schools (subject to space restrictions and usual entrance requirements). To be eligible you
cannot receive compensation as a full-time employee. (Code 59-111-320) May retire from the S.C. State
Retirement System at age 60 or after 28 years of creditable service. (Code 9-1-1510) Eligible for services
through the Aging Network (contact your local Council on Aging).
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AGE 55 Automobile insurance credit is mandated for persons who are 55 years of age or older and have
successfully completed a driver training course approved by the Department of Public Safety. Contact local
55 Alive program through AARP.
Call 1-888-227-7669.
NO AGE RESTRICTIONS FOR THE FOLLOWING:
Social Security Social Security income is not taxed on your South Carolina income tax return. Retirement
Income Prior to reaching age 65, taxpayers may exclude annually $3,000 of their retirement before calculating
their taxable income (SC Code 12-6-1140). Once taxpayers reach age 65, they may exclude $15,000 of income
from any source, including qualified retirement plans, IRAs, government pension plans, Keogh plans and
private sector pensions. Total deductions cannot exceed $15,000. (The $15,000 total deduction may also be
claimed on any source of income, not just retirement income.) Dependent Care Credit Families caring for an
elderly relative in their home who must hire caregivers in order to work may deduct up to 7% of the amount
claimed on their federal income tax against their state income tax. (Code 12-6-3390)
Home Care or Nursing Home Credit Tax credit of 20%, not to exceed $300, of expenses paid for intermediate
or skilled care to an institution is allowed. (Code 12-7-1235) A credit of 20% on expenses, up to $300 annually,
is allowed on state income tax for nursing home care at home or in a licensed institution. (Code 12-6-3390)
Other Tax Issues To be exempt from home and vehicle property taxes, you must first file an application
through the South Carolina Department of Revenue.
Please check the S.C. Department of Revenue website, www.dor.sc.gov, for changes in the state’s tax laws
each year. You can also call the Department of Revenue main number at 803-898-5000 or toll free at
1-844-898-8542.
We also recommend that you contact a tax professional if you are in doubt about a tax issue or procedure.

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843-707-1116
19 Towne Drive,
Bluffton, SC 29910

843-707-1116

19 Towne Drive, Bluffton, SC 29910

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A special thank you!

For More Information and Resources
Visit Our Website at seniorsresourcedirectory.com

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