You must reach the age of 59 1/2, and your Roth IRA must have been open for five years, before you can take out any earnings with no taxes or penalties. If you withdraw earnings before five years have passed, you will be subject to a 10 percent penalty plus ordinary income tax.
The Elderly Waiver is a program that is designed to provide in-home services to those 65 and older who may be at risk of going to a nursing facility. 1  Adult Day Care.
Additional services are available under each program. The following is a list of waiver programs in Georgia. 1  Service Options Using Resources in a Community Environment (SOURCE). 2  Independent Care Waiver Program (ICWP) - Updated 02/06/14. 3  Community Care Services Program (CCSP) - Update 01/17/14.