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.
People receiving waiver-funded services have been divided into either Program Case Management or Primary Case Management. Program Case Management is provided to individuals who are enrolled in structured service programs in which there are other sources of regular oversight, such as group homes, supervised apartments, and day programs.