Boomers d n o y e &B Westchester County
October 2014
Visiting Development Care Group Personalized home care for the one you love p9
My Second Home Outstanding award-winning adult day center p11
Five Star Premier Residences of Yonkers Award-winning Alzheimer's & Dementia care program p15
Dominican Sisters Family Health Services Compassionate care in the comfort of your home p16
Best Health Insurance coverage for seniors Helpline at 914-231-3260 p25
Legal advice for Medicaid & Asset-Protection planning. Call (914) 816-2900 today! See page 14
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October, 2014
Boomers & Beyond - Westchester
Providing the Highest Quality Home Health Care in Westchester & Putnam .OW ALSO SERVING THE "RONX $UTCHESS 2OCKLAND
Our Certified Home Health Aides, supervised by Registered Nurses, can assist you or your loved one with:
s 0ERSONAL #ARE s -EAL 0REPARATION AND (OUSEKEEPING s ,AUNDRY 3HOPPING AND Errands s #OMPANIONSHIP s %SCORT 3ERVICES TO !PPOINTMENTS
Call us to learn about our affordable rates on an hourly or live-in basis. Some third party payers provide reimbursement for our services.
800-305-9224 914-997-7912 A New York State-Licensed Home Health Care Agency An Affiliate of Visiting Nurse Services In Westchester CHAP Accredited
Westchester Care at Home, 360 Mamaroneck Ave, White Plains, NY 10605
ATTORNEYS AT LAW Many Years of Experience Protecting the Legal Interests of the Elderly & Special Needs Populations Advising Families about: • • • • • • • • •
Medicaid Asset Protection Planning Estate Planning & Administration Special Needs Home Care Long Term Care Health Care Proxies Powers of Attorney Guardianships
See more information on page 14
Client Testimonials I reached out to you during the most stressful time of life for both my loved ones and myself - horror had occurred to my dear loving mother. My mom had fractured her hip and due to her frail health and advanced age required risky hip replacement surgery. Many issues legal and otherwise arose which I could not personally resolve. You not only resolved each and every one, but you continue to do so now, over 4 years later. You always display extreme sincerity, compassion and friendship, using your vast experience and confidence in your ability, to continually bring satisfaction, positive results and a tremendous sense of relief and comfort to my loved ones and myself. You have gone out of your way to visit Mom on multiple occasions in her Nursing house and we love you for it. As an attorney, friend, and a great man, I could not possibly hope to know anyone more phenomenal. The three greatest men I have ever known are my dear departed father, my dear departed father-in-law and Ely Rosenzveig. – Jeff D.
Westchester Financial Center 50 Main Street, Suite #1275 White Plains, NY 10606 Email: Info@ejrosenlaw.com
I hired Ely to assist with my parents estate planning and it was a wise decision. He is a true expert in navigating through complex elder care law and procedures. His guidance was invaluable and his communication excellent. I would strongly recommend his services.
Tel: (914) 816-2900
– Tom C.
www.ejrosenlaw.com ELDER LAW
•
TRUSTS & ESTATES
Attorney advertising • Prior results do not guarantee a similar outcome
•
EMPLOYMENT LAW
•
MEDIATION
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October, 2014
Boomers & Beyond - Westchester
Top Burke Neuropsychologist invited to attend prestigious American Psychological Association Conference “We are thrilled that Dr. Herceg has been singled out for this honor among his peers.” Dr. Herceg specializes in working with patients who have had traumatic injures such as brain injury, spinal cord injury, stroke, multiple traumas, amputations and other disease states. He is part of the team at Burke that strives to assist patients heal in all aspects of their injury or illness—body, mind and spirit.
He evaluates neuro-cognitive changes after injury and helps patients deal with the behavioral and psychological aspects of illness and injury. In addition, he leads Burke’s clinical neuropsychologists in evaluating and treating the brain-behavior relationship. They work with patients who have cognitive impairments and personality changes, brought on by brain injury or stroke.
Dr. Herceg is also an expert in the neuro-cognitive and behavioral changes associated with concussion, and in 2013 authored a book chapter regarding concussion management. He is involved with concussion assessment and management of local high school, collegiate and professional athletes. Dr. Herceg is an assistant professor of psychology in Weill Cornell Medical College’s
Clinical Neurology department. He earned his Ph.D. at the Ferkauf Graduate School of Psychology at Yeshiva University in the Bronx, New York. For additional information on Dr. Herceg’s work and the neuropsychology program at Burke, visit www.burke.org. To set up an interview with Dr. Herceg, email Richard Sgaglio at rsgaglio@burke.org or please email Marisa Iallonardo at miallonardo@burke.org.
provided
Burke Rehabilitation Center is pleased to announce that Mark Herceg, Ph.D., the Director of Neuropsychology and Rehabilitation Psychology at Burke Rehabilitation Hospital has been invited to attend the 13th annual American Psychological Association’s 2014 APA Education Leadership Conference (ELC) in Washington, D.C. Out of thousands of APA members, Dr. Herceg was one of only 120 to be invited to attend this prestigious conference. At the conference—which takes place from September 13 to 16—psychology educators, scientists and practitioners from all levels of practice will discuss a wide range of topics pertinent to the psychology community, including learning in the digital environment and how technology impacts the field. The theme is: Learning in a Digital World. In addition, the Education Leadership Conference is APA’s major education advocacy event and includes Capitol Hill visits. “This invitation demonstrates Dr. Herceg’s leadership in the field of psychology and further exhibits Burke’s continued commitment to professional development and education,” said Richard Sgaglio, Ph.D., Director of Marketing and External Relations at Burke Rehabilitation Center.
No two patients are alike… Why should their rehabilitation be? BURKE REHABILITATION HOSPITAL offers custom-designed programs based on your individual needs. Whether you have experienced a life changing event such as a stroke, brain injury, neurological condition or joint replacement, Burke is here to help you reach your maximum recovery. You are unique. Make sure your rehabilitation journey is too. Pioneering Rehabilitation
785 MAMARONECK AVENUE WHITE PLAINS, NY 10605 888-99-BURKE WWW.BURKE.ORG
Boomers & Beyond - Westchester October, 2014
• Sub-Acute Rehabilitation • Skilled Nursing Facility • Adult Day Services • Home Health Care • Independent Living • Affordable Housing for Seniors • Assisted Living • Alzheimer’s/Dementia Care • Respite/Short-Term Stay • Hospice Care • Caregiver Support • Spiritual Care
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wartburg.org
914-699-0800 One Wartburg Place Mount Vernon, NY 10552
IINDEPENDENT NDEPENDENT LIVING LIVING | AASSISTED SSIS TED LIVING LIVING | AALZHEIMER’S/DEMENTIA LZZHEIMERwartburgny ’S / DEMENTIA thewartburg NURSING NURSING HHOME OME | AADULT DULT DDAY AY CCARE ARE | HHOME OME CCARE ARRE | RREHABILITATION EHABILITATION
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October, 2014
Boomers & Beyond - Westchester
Advertiser’s Index
Our View
A&T Healthcare....................................................................24 B&M Capital.........................................................................21 Burke Rehabilitation Hospital.................................................4 ColumbiaDoctors..................................................................27 Dignity Memorial..................................................................23 Dominican Sisters Family Health Service..............................16 Ely J. Rosenzveig & Associates, PC...................................3,14 Five Star Premier Residence of Yonkers..............................15 Glen Island Center for Nursing and Rehabilitation...............17 Jennifer Lavelli CLTC, CSA..................................................10 Margeliz Center.......................................................................22 My Second Home....................................................................11 Neighbors Home Care Services.............................................13 NewYork-Presbyterian Lawrence Hospital.............................7 Schnurmacher Center for Rehabilitation and Nursing........19 VNA of Hudson Valley...........................................................28 Victoria Home.........................................................................8 Visiting Development Care Group, LLC................................9 The Visiting Audiologists of Westchester..............................18 The Wartburg........................................................................5 Westchester Audiology.........................................................20 Westchester Care at Home....................................................2 Westchester Library System.................................................25
You have heard of a black out. How about a pink out? Get ready to see a lot of pink in October in the form of ribbons, clothes and products you see in the store, since it’s National Breast Cancer Awareness Month. After skin cancer, breast cancer is the most common cancer among women in the United States. One out of every eight women develops breast cancer. By the end of 2013, an estimated 232,340 women will be diagnosed with breast cancer; approximately 39,620 women will die from the disease. That’s why Boomers & Beyond urges you to be vigilant in trying to prevent the disease. You might have heard the speech before, but we are going to give it to you again because we care about you. Here goes: The best way to beat breast cancer is early detection. It’s estimated that a third of all breast cancer deaths in American could be prevented by early detection, and nine out of 10 women can survive breast cancer if it’s detected at its earliest stages. Breast cancers found during screenings are usually smaller and still confined to the breast area, while the cancers that are found because they are causing symptoms tend to be larger and are more likely to have already spread beyond the breast. The size of a breast cancer and how far it has spread are some of the most important factors in predicting the prognosis. So many of us have been touched and affected by the disease, but breast cancer can be beat. Just take a look at the statistics: A new report from the American Cancer Society found that since 1990, death rates from breast cancer in the United States have dropped 34 percent. Awareness has certainly helped the cause. So we celebrate National Breast Cancer Awareness Month. Get ready for a pink out.
Westchester County
Boomers nd & Beyo
Jim Stankiewicz, General Manager
845-534-7500 • (fax) 845-534-0055 Info@HealthcareNewspaper.com PUBLISHER Joseph P. Belsito (Joe@healthcarenewspaper.com) ••• GENERAL MANAGER James Stankiewicz (Jim@healthcarenewspaper.com) ••• MANAGING EDITOR Cathryn Burak (Cathy@healthcarenewspaper.com) ••• MARKETING EXECUTIVE Anthony Mairo (Anthony@healthcarenewspaper.com) ••• CIRCULATION Michelle Belsito (Michelle@healthcarenewspaper.com) ••• SENIOR CORRESPONDENTS Brendan Coyne John Jordan
Corporate Information Healthcare News - Westchester, New York edition - Vol. 7 No. 10 - is published monthly, 12 times a year by Belsito Communications, Inc., 1 Ardmore Street, New Windsor, NY 12553. Postage Paid at New Windsor, NY and additional mailing offices. Postmaster: Send address changes to Healthcare Newspaper, 1 Ardmore Street, New Windsor, NY, 12553. No financial responsibility is assumed by this newspaper to publish a display, classified, or legal ad or for typographical errors except of reprinting that part of the ad which was omitted or in error. Omissions or errors must be brought to the attention of the newspaper during the same month of publication.
Next Month in
Boomers & Beyond… Alzheimer’s Awareness Month Top Alzheimer's facilities in the area Warning signs Caregivers support services
November Holidays edition Financial planning, Estate Planning and Life Insurance
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October, 2014
Boomers & Beyond - Westchester
Is a reverse mortgage right for you? You have probably seen the reverse commercials with actors Fred Thompson and Henry Winkler pitching them to you. However, just because Fonzie endorses reverse mortgages, doesn’t mean it is right for you and your family. A reverse mortgage is a loan against your home that you do not have to pay back as long as you live there. You or your estate pays the money back plus interest when you die, sell your home, or permanently move out of the residence. A reverse mortgage can be a great product for seniors who wish to access their home equity. But there are drawbacks to the program and it is not for everyone. Is a reverse mortgage right for you? Boomers & Beyond is here to help.
How Long Do You Expect to Reside in Your Home? Many financial experts believe that you should plan on residing in your home for a number of years if you intend to get a reverse mortgage. Why? Reverse mortgages have relatively high closing costs and as the reverse mortgage loan comes due if your home is no longer your primary residence, it is not necessarily the best short term option.
Do you need cash? Reverse mortgages can be a great way (and sometimes the only way) for seniors to get access to their home equity to use however they want. Seniors are living longer than ever and many people need to tap their home equity to fund their longevity. Many people use reverse mortgages to supplement their retirement income, fund medical expenses, pay for education expenses, or even fulfill a lifelong dream like traveling. Reverse mortgages can also be a great way to eliminate your mortgage. If you have an existing mortgage against your house, a reverse mortgage may enable you to pay it off. This will save you money every month by eliminating your mortgage payment and possibly even leave additional cash available to you.
Your Heirs: Many people are concerned about what happens to a home with a reverse mortgage after they die. While a Reverse mortgage does decrease your equity and can impact the overall value of your estate, you can still leave your home to your heirs and they will have the option of keeping the home and refinancing or paying off the mortgage or selling the home if the home is worth more than the amount owed on it.
Are you eligible for a reverse mortgage? To qualify for a reverse mortgage you must: - Be 62 years of age or older. (Additionally, ALL titleholders must be 62 years or older.) - Be eligible for a loan amount sufficient to pay off all mortgages and liens on your property. A reverse mortgage must be the only loan on the property, and if the funds from the reverse mortgage don't enable you to eliminate all other mortgages, then you will not qualify. The amount of money you can get from a reverse mortgage is determined by a calculation that takes into account your age, current interest rates, and the total value of your property. The amount of money you can get from a reverse mortgage must be more than what you currently owe on your home. Typically, you will generally qualify for a reverse mortgage if you owe less than 50 percent of your home's value, but some people qualify despite owing as much as 80 percent of the value of their home.
Medicaid Eligibility: Reverse mortgages do not generally have any impact whatsoever on your Social Security payments, Medicare or pension benefits. However, a reverse mortgage can affect your eligibility for Medicaid and other low-income programs such as SSI.
Boomers & Beyond - Westchester October, 2014
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Everything Old is New Again By Viviana DeCohen Once upon a time just hearing the word “elderly” invoked thoughts or memories of grandparents. Memories of grandmothers who smelled like a combination of Cookie dough and Ben Gay, and grandfathers who smelled like Aqua Velva, carried a pocketful of quarters, and wore suspenders. Both always had the best of stories that were really valuable life lessons in disguise. Grandparents often lived in the same home or nearby. As the years rolled by it was expected that the children and grandchildren would all take turns checking in to ensure that basic needs for food and occasional conversation were met. It was an anticipated thought that the grandchildren would one day care for the grandparents as they once cared for them until “that time arrived.” Today, “that time” has been extended and my how times have changed. Today’s savy Senior has made remarkable strides in what has been coined “ Successful Aging.” People are living longer and are seemingly stronger than ever despite the many reports. The retirement age is going up and seniors are beginning new lives by starting another career, redesigning themselves and even going back to school well into their 70’s.
Healthy living for today’s senior includes exercise, a balanced diet and social interaction and activities that are limitless. Just recently, a 99 year old senior, who was told that she has a body of a healthy twenty year old (Who said youth is wasted on the young?) finished a 100 meter race. Eldercare too has been redefined as well as redesigned for today’s Seasoned Senior who can still be active physically or mentally. Senior Centers, Adult Day programs, Independent Living have all been taken up a notch and are providing more activities both in and out house than ever. For those desiring care at home, there are now more choices than ever. Take a look at Visiting Development Care Group, LLC where Adult Nanny Care gives the option of Companions or Aides that are ready to come in and keep today’s senior active and engaged with an activity of choice from dancing, playing a game of Scrabble on our Supersized board or planting an indoor garden. Whatever it is, the choice is yours. Get back to the things you use to do, still can and desire to do. Redefine and redesign your in-home needs today because everything old really can be new again. Call us Today for an in-home Assessment.
Visiting Development Care Group, LLC
Featuring Adult Nanny Care Let Us Care For the One you Love Family Respite Services • • • • •
Upon hospital discharge For Stroke or limited mobility When you are not ready for a Nursing home Short Term (Min. 4 hours) Specializing in Dementia Care
We provide • Qualified Companions & Homemakers • Reassurance • Peace of mind Helping Care for those who have cared for you! Contact us Visiting Development Care Group, LLC Serving all of Westchester County
Phone: 914-619-4515 www.visitingcaregroup.com Email : visitingcargroup@gmail.com
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October, 2014
Boomers & Beyond - Westchester
You must advocate for your loved one in a nursing home It’s one of the toughest decisions you may have to make in your life: Placing an elderly loved one in a nursing home. The nursing facility is often the last home that the elderly resident will have, so providing a healthy and safe environment is vital to ensuring quality of life in an individual’s twilight years. Sadly, the inadequate staffing and care provided in many nursing homes throughout the country has been the cause of deadly and completely preventable medical conditions. One of the most common of these conditions in the elderly nursing home resident is the bedsore. Left untreated, bedsores cause protracted pain and suffering, disfigurement and often lead to premature death. Prevention and early intervention are the keys to protecting the elderly from the needless pain, suffering and death commonly associated with bedsores. The following is a brief, non-exhaustive list that you can utilize: Know your ombudsman: An ombudsman is a citizen in the community who volunteers their time to be an advocate on behalf of nursing home residents. They play a pivotal role in ensuring that residents and family member’s complaints are appropriately handled by the facility. When admitting a loved one to the nursing home, ask that the staff provide you with the contact information for the ombudsman assigned to that facility. You may also do a quick Google search to find a listing of ombudsmen in your area. Get to know geriatric care manager: A geriatric care manager, usually a nurse or social worker, is an expert in planning and coordinating care of older adults. The geriatric care manager becomes the eyes and ears of the family and relieves some of the huge burden placed on loved ones. Go to the National Association of Professional Geriatric Care Mangers at caremanager.org to find a geriatric care manager in your loved one’s community.
Mystified by Medicare? Do your research: Finding the right facility is vital to the protection of the elderly resident. When choosing a facility, research basic statistics such as nurse to patient ratios and whether a comprehensive healthcare approach will be in place for your loved one. Most states have informative Department of Health websites, where consumers can find ratings and cost comparisons for nursing homes in their respective area. Take some time out to visit the facility you are considering for your family member and pay attention to how clean the environment is and the amount of staff on the floor of each unit. Turn, Turn, Turn: Immobility is one of the most important factors in the development and progression of bedsores. One of the keys to preventing bedsore development is to utilize a two-hour turn schedule in a patient’s plan of care, so that pressure is not kept on one part of the body for too long. While the standard “two-hour” turn schedule is taught and re-taught to every Registered Nurse and Licensed Practical Nurse in their schooling and workplace orientation programs, it is rarely put into practice in the daily care routine. The reality of inadequate staffing in the nursing homes is that there is a lack of attention to each individual resident, whether it applies to turning in accordance with protocol, or toileting. These deviations from acceptable nursing practice result in a greater incidence of bed sore development, in addition to other preventable medical issues among the residents.
• Having Difficulty Making Sense of all the Medicare Mail you’ve been getting? • Unsure Whether You’re Going to Pay Too Much, or Worse Yet, Pay Too Little, and Receive Less than Adequate Coverage? • Want to be CERTAIN that the Plan You Choose is Accepted by Your Doctors, and Covers Your Prescriptions?
I can help! We’ll work OVER THE PHONE, and I’ll research all the Medicare options that cover your prescriptions, your doctors, and your preferred hospitals. Then YOU decide which is best. There is NEVER a charge for my services.
Call (914) 295-4502
A Certified Senior Advisor and Certified Long Term Care specialist, I am AHIP certified, and licensed in NY, NJ and CT. A frequent lecturer in Westchester County and the Bronx; I help people understand and plan for Medicare and Long Term Care. I offer complimentary individual assessments that include a review and understanding of your needs, and a personalized analysis of the options you should consider. Working with me will help you to understand ALL your options, and easily evaluate which plans work best for your situation.
JENNIFER LAVELLI CLTC, CSA Medicare Expert and Long Term Care Specialist
CALL: 914-295-4502 EMAIL: JenniferLavelli@live.com
Boomers & Beyond - Westchester October, 2014
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Local Adult Day/Intergenerational Program wins National Award and “living room to living room” transportation, will be replicated at the new facility. FSW’s Head Start program will also be housed in the building as will many of FSW’s teen programs, offering the opportunity for intergenerational interactions on a daily basis. Research conducted at My Second Home has demonstrated improvements in cognitive functioning, socialization and expressiveness as well as increases in self esteem and self-worth among its participants. The new program at the Lanza Family Center for All Ages will enable older residents of southern and central Westchester to enjoy similar benefits while also offering their caregivers respite and supportive services. My Second Home was recently selected as a 2014 Outstanding Adult Day Center Award winner by the National Adult Day Services Association, so the development of the new Center is extremely timely. Renovations on the building at 106 North Broadway are scheduled to be completed by the end of 2014, with programming to begin in January 2015.
INDEPENDENCE
| DIGNITY
THE NEW LANZA FAMILY CENTER FOR ALL AGES! CONSTRUCTION AND RENOVATION HAVE OFFICIALLY BEGUN ON THE INTERIOR. provided
Modeled after My Second Home, their award winning adult day and intergenerational program in Mt. Kisco, Family Services of Westchester (FSW) is developing a new multigenerational center in White Plains in order to make its unique programming more easily accessible to residents of southern and central Westchester. The Lanza Family Center for All Ages (named for philanthropist Patricia Lanza whose $1 million challenge grant enabled FSW to embark on this project) will include recreation, socialization, education and enrichment programs for all generations from toddlers to teens to older adults. The building will have separate wings for each age group as well as dedicated space where the generations can come together to share in activities and foster relationships. The model of adult day care employed at My Second Home, which provides a safe, nurturing and home-like environment where older adults can continue to find meaning and dignity in their lives through stimulating activities, wellness programs, personal care, excellent nutrition
Pictured from left to right: Christine Yankou, representing Nita Lowey’s office; Linda Puoplo, Deputy Commissioner of Planning; Dennis Noskin, Principal, Dennis Noskin Architects; Elizabeth Cheteny, Commissioner of Planning; Susan Wayne, FSW President & CEO; Nick Wolff, FSW Board Chairman; Tom Roach, Mayor of White Plains; Ed Foley, FSW past Board Chairman; Lynn Green, FSW Director of Special Projects.
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Rina R ina Bellamy, B ellamy, LMSW, LMSW W,, QDCP, QDCP P,, Director D irec tor | 914-241-0770 | rrbellamy@fsw.org b ellamy@fsw.org | www.fsw.org w w w.fsw.org
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Boomers & Beyond - Westchester
Fitness & Exercise: Tips for Being More Active… and actually enjoying it It might be time for a fitness mental makeover if you dread working out. Consider physical activity part of your lifestyle instead of a task to check off your “to do” list. There are plenty of ways for seniors to make exercise a pleasurable part of everyday life—here are just a few. Choose activities and exercises you enjoy Think about activities that you enjoy and how you can incorporate them into an exercise routine. • Listen to music while lifting weights • Window shop while walking laps at the mall • Take photographs on a nature hike • Meet new people at a yoga class • Watch a movie while on the treadmill • Chat with a friend while walking, stretching, or strength training
Focus on the benefits in your daily life The most rewarding part of beginning a fitness routine is noticing the difference it makes in the rest of your life. Even if you begin exercising with a few simple stretches while seated or a short walk around the block, you’ll notice an improvement in how you feel as you go about your day. • House cleaning, gardening, shopping, and errands. Want to feel less winded while vacuuming or rushing to and from appointments? Doing just 15 to 20 minutes of heart-healthy cardio each day, such as walking, biking, swimming, or water aerobics will help give you the stamina you need. • Lifting grandchildren, carrying groceries, household chores. Building muscle mass a few times each week through weight lifting, resistance exercises, and nautilus machines will help give you more strength. • Tying shoes, looking behind you while driving, navigating steps. Incorporating basic stretching—even while seated—into your fitness routine will make the most ordinary movements easier. Try yoga, Pilates, Tai Chi, or Qi Gong to limber up.
Find easy ways to add more physical activity to your day Being active doesn’t have to be limited to your workout times. There are plenty of ways to become more active as you go about your day. • Active on the go: Choose stairs over the elevator, park at the far end of the parking lot, walk down every isle of the grocery store, practice balancing skills while standing in line, do neck rolls while waiting at a stoplight. • Active at home: Do a set of wall pushups while waiting for water to boil, vigorously vacuum, tend to the garden, sweep the sidewalk, rake leaves, lift weights while watching the news, try toe-raises while talking on the phone, do knee bends after sitting for a period of time.
Exercise doesn’t have to break the bank A senior fitness program does not depend on costly gym memberships and fancy exercise equipment. Like the best things in life, staying fit can be completely free. Work out the walletfriendly way: • Do neck rolls and light stretching whle watching TV • No weights? Use food cans or water bottles • Rent exercise videos from the library • Mow the lawn, rake leaves, and weed • Climb stairs • Enjoy a walk in a new park or neighborhood
Tips for frail or chair-bound seniors If you are chair-bound, movement matters even more, and fitness is entirely achievable. Chair-bound seniors can reap the benefits of exercise with strength training, flexibility, and even some endurance movements. If being chair-bound has prevented you from trying exercise in the past, take heart knowing that when you become more physically active, the results will amaze you. Like any exercise program, a chairbound fitness routine takes a little creativity and personalization. • Strength: Use free weights (otherwise known as “dumbbells”) to do repetitive sets of lifting. Don’t have weights? Use anything that is weighted and fits in your hand, like soup cans. • Resistance: Resistance bands are like giant rubber bands designed to give your muscles a good workout when stretched and pulled. Resistance bands can be attached to furniture, a doorknob, or even your chair. Use these for pull-downs, shoulder rotations, and arm and leg-extensions. • Flexibility: By practicing mindful breathing and slowly stretching, bending, and twisting, you can limber up and improve your range of motion. Some of these exercises can also be done lying down. Ask your doctor for chair-yoga possibilities. • Endurance: Check out pool-therapy programs designed for wheelchair-bound seniors. Also, wheelchair-training machines make arm-bicycling and rowing possible. If you lack access to special machines or pools, repetitive movements (like rapid leg lifts or sitting pushups) work just as well to raise your heart rate.
Boomers & Beyond - Westchester October, 2014
PAGE 13
Great ways to save money as a retiree Now that you’re retired, you have more time, which is great. So why not take the time to do things that will save you the thing you likely have less of—money. Boomers & Beyond will show you some ways you can save annually by simply taking the time to making a few changes in your life. And get this: These changes might even be self-empowering. Save money on car insurance You may be paying too much or holding on to coverage you don’t need anymore, and you may be missing out on discounts. Seniors are often entitled to senior insurance discounts. When deciding on coverage, think about you’re overall driving record. When was the last time you were in an accident? How many accidents have you been involved in, if any? According to the US Census Bureau, have far fewer accidents than any other age group per number of licensed drivers. Consider how many miles you’re driving now. Estimate the number you’ll drive in a year. Are you driving less? If so, your chance for accident is reduced. Insurance companies offer an array of discounts to their customers. Contact your agent to make sure you’re taking advantage of these discounts.
Unsubscribe from cable TV Depending on your cable plan, you’re likely spending $70 to $100 a month (the average is $86). Do the math: That’s $1,032 a year. Keep in mind, cable prices continue to rise, while you seem to get less of what you watch regularly. Are those few channels really worth $1,000 a year? Once you get rid of cable/satellite TV, you can still watch great shows when you want, and pay a lot less. Services such as Netflix and Amazon allow you watch instantly and rent videos depending on the plan you choose. Netflix allows you to watch unlimited online movies and have one disc out-at-a-time for $16 month. Amazon’s Prime membership ($79/year) gives you instant streaming of movies and TV shows, Kindle books access, and free two-day shipping. If you’re TV is an Internetready (Smart) TV, you’ll have access to these services directly
once you sign up for each one. If not, you can buy (starting at $50), a streaming video player. Lose the land line and just go with the cell phone We know this one might not be easy for you, but think about it: Once you drop your land line, you’ll not only save money, you’ll stop getting those annoying recorded sales calls. Like cable, you likely won’t miss it. If you already have a cell phone plan, maybe it’s time to reevaluate it, especially if you’re getting rid of a land line. The market is very competitive and there are more providers than ever. Many provide senior discounts. These programs are great because you “pay-as-you-go” and don’t have to sign contracts. Some advantages of having only a cell phone include saving money, no more pre-recorded solicitation calls at all hours of the day, the flexibility of having a phone with you at all times and easier communication.
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A Program of
ATTORNEYS AT LAW Many Years of Experience Protecting the Legal Interests of the Elderly & Special Needs Populations
Why should I spend money hiring attorneys to do asset protection planning for me and my loved ones? Currently, the monthly cost for nursing home care in New York ranges between $10,000-$15,000, and properly certified home health attendants (nurse aides) can cost as much or more for round- the-clock home care. Statistically, it is likely that most people will need either or both of these care options as they grow older. It is critical that you plan appropriately to best minimize the strain that elder care costs may have on your estate, and to help put you in the best position possible to qualify for benefits that are largely covered by the government, under Medicare or Medicaid. Our firm has attorneys with extensive experience in developing tax-effective action plans for our clients that help protect their assets from government imposition. We have also been very successful in negotiating the complex bureaucratic minefield in which Medicaid is now mired. We have achieved remarkable results for our clients on a host of Medicaid related issues, from obtaining Medicaid approvals for coverage of home care and institutional care benefits, to very accommodative resolutions of Medicaid spousal recovery claims, where the office of Medicaid aggressively pursues the non-institutionalized (i.e., or “community”) spouse for Medicaid benefits provided.
Why should I have a lawyer prepare my will? If you die without a Will, the law, not you, determines how your assets are divided and to whom they are given. A poorly drafted Will may result in a sizeable chunk of your assets not ending up where you want them to go. We are an experienced law firm that can expertly craft your will to address your long-term care, tax, estate planning, and asset protection planning issues. It is in your best interest that planning be done properly so as to minimize the tax burden on your estate. Our experience and skill in the fields of Trusts, Wills, and Estates enables our firm to uniquely tailor estate planning to your individual needs. We will review your entire estate and draft a personalized plan that will best direct the disposition of your assets after death, whether through your Will, or by means of testamentary substitutes (trusts, joint-asset ownership with right of survivorship, or by beneficiary designation in life insurance policies, annuities, or individual retirement accounts).
My father is having difficulty caring for himself. I am afraid he will no longer be able to live on his own. I am worried about finding the money to pay for his care, whether he stays at home or moves to an assisted living facility or nursing home. What do I do? Your concerns are certainly daunting, and heart-rending. Our firm offers you a caring hand, an open ear, and uncompromising professional competence, and commitment. We will help find for you solutions that best suit your needs, using the latest tax, trust, and other asset protection strategies available under the law.
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Boomers & Beyond - Westchester October, 2014
PAGE 15
Five Star Premier Residences of Yonkers is pleased to introduce you to Bridge to Rediscovery: Our Award-Winning Alzheimer's and Dementia Care Program When someone you love has Alzheimer's or dementia, it changes their world and yours. Providing Alzheimer's care and support 24 hours a day takes a toll on your energy, emotions, your family, and even your relationship with the person depending on you. We understand and can help. Five Star Senior Living has designed an innovative Alzheimer's care program, Bridge to Rediscovery, that can help you provide the best possible care for your loved one. A Unique Approach to Memory Care Bridge to Rediscovery is an innovative approach that helps those with Alzheimer's rediscover the joy in everyday life. Bridge to Rediscovery is a special place within each Five Star Senior Living memory care community, uniquely designed to meet the needs of our residents with Alzheimer’s and other forms of memory impairment. Residents enjoy the comfortable feeling of home, combined with the support and security they need. Program Goals: • Engage the resident within their environment • Provide an atmosphere of acceptance • Provide activities with a clear objective that is meaningful to the resident • Create unique activities for each resident • Encourage families to learn, add to the program, & discover more meaningful visits • Enable the resident to interact positively and reach their highest potential Award-Winning Program We are proud to have been awarded the Assisted Living Federation of America's (ALFA) "Best of the Best" Award for our Bridge to Rediscovery (formerly "Revelations") program. ALFA, the largest national association for professionally operated seniors’ Assisted Living communities, gives "Best of the Best" awards each year to those who have made a positive impact in the world of assisted living. Five Star Premier Residences of Yonkers is proudly celebrating 14 years of service to the community. For more information on Bridge to Rediscovery, Independent Living, Assisted Living or any of the services at Five Star Premier Residences of Yonkers, please call 914-709-1234 or www.FiveStarPremier-Yonkers.com
PAGE 16
October, 2014
Boomers & Beyond - Westchester
You are never too old for Halloween Trick or treat?
Halloween is quickly approaching. Of course, children are getting anxious for costume parties, trick-or-treating, and visiting haunted houses. But get this: Seniors can enjoy Halloween, too. How? Take a look at our fun list of activities. Pumpkin carving: If you volunteer at a nursing home, working with the activities department to coordinate an afternoon of pumpkin carving is a great way to get into the Halloween spirit in the nursing home or assisted living facilities. You could award small prizes to the person who created the most creative and scariest pumpkins. Afterwards, you can decorate the nurses’ stations, the front porch, and the dining room with the carved pumpkins. Decorate: Help your favorite senior decorate their home for Halloween. Buy Halloween posters and put them on their home. Write scary stories or draw pictures that can be put up all over, celebrating the holiday.
Dress up: If you work in a nursing home, designate a day in which residents and facility staff can dress up in Halloween costumes. Awards may be given to the worker and resident with the scariest, funniest, and most creative costumes. At home, seniors can dress up and greet trick or treaters. Read a scary story or watch a scary movie: Sometimes nursing homes will have book groups for the residents who live there. Having someone read a horror novel for the month of October is a perfect way to get residents into the Halloween spirit. Taking an afternoon and watching a scary movie in the activities room is another great way to celebrate the holiday. At home, the grandchildren can come over and watch a good Halloween movie.
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Boomers & Beyond - Westchester October, 2014
PAGE 17
Tips for finding a job after 60 (you can do it!) If you are over 60 and looking for a new job or career, you may feel that your age is working against you. Many seniors suspect employers may be discriminating against them because of their age when they are on the job market, although this is often difficult to prove. Apparently, many employers haven’t gotten the message that seniors are often more reliable and better to hire than younger workers.
Here are some tips to help improve your odds of getting a job. Network: Seniors often have the most success finding jobs through their church or other local organizations. Let people know at your gym or library that you are looking for work, and connect with old friends and coworkers to see if they know of any employment opportunities. You can also sign up for workshops or classes in the field you are looking for work in. Emphasize Your Strengths: During interviews, emphasize that with your age comes maturity and many important life skills. Play up your life experiences and other factors that younger workers will not be able to match you in during the interview process. Make a Great First Impression: Keep in mind that first impressions do count for a lot during the job selection process, and make sure that your hair and dress are kept in tip top shape. Also, meet your interviewers with a firm handshake and always look them in the eyes! Apply for the Right Jobs: There are many jobs and careers where maturity is a valuable asset. This includes jobs in libraries, where knowledge and information is key, and jobs in training – where your previous job experiences (and life experiences as well) will likely make you a much more desirable candidate compared to a younger competitor. Keep this in mind when thinking about what kind of job you would like to obtain.
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PAGE 18
October, 2014
Boomers & Beyond - Westchester
Improved hearing equals improved quality of life Hearing loss affects 27 million Americans. Hearing loss is a condition that, in most cases, develops gradually — many people do not realize they are affected. Fortunately, modern hearing care has become more aware of the symptoms of hearing loss. This increased awareness has helped millions hear better and enjoy life more. Undetected but Significant Hearing is one of the basic ways we communicate and interact with each other. Undetected hearing loss can have serious consequences. According to an independent survey, older people with undetected hearing loss are more likely to report depression, anxiety, paranoia, emotional problems, and reduced social activity. The survey concluded that seniors who treat their hearing loss have better relationships with their families, improved mental health, greater independence, and stronger feelings of security. Warning Signs Although hearing loss is a very personal condition, the symptoms of hearing loss are fairly consistent. The following are warning signs of hearing loss: • People seem to mumble more frequently • You hear, but have trouble understanding all the words in conversation • You ask people to repeat themselves
• You find phone conversation increasingly difficult • Your family or friends complain that you play the TV or radio too loudly • You no longer hear normal household sounds like the ringing of a doorbell • You have difficulty understanding conversation when in a large group or crowd If you experience these warning signs repeatedly or in combination, it may indicate a hearing loss. The Only Way to Know For Sure Hearing loss itself can be misunderstood. A hearing screening provides an accurate evaluation of what you’re hearing and what you’re not. Testing Is Available for Free Beltone offers free hearing screenings at their 1500 hearing care centers throughout the nation. If you’re interested, please call toll-free 1-866-735-8333 for the nearest location.
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(914) 420 0064 The Visiting Audiologists of Westchester pairs convenient, at home services with high quality hearing instruments to improve patient care. Eliminating the restraints of a traditional office increases scheduling flexibility and decreases costs. This allows for savings to be passed along to the patient, as well as at home service that is truly patient centered.
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Boomers & Beyond - Westchester October, 2014
PAGE 19
The following are just some of the many benefits of power walking: • Your cardiovascular health will get better and you will lower your chances of having a stroke or coronary disease. • Your mental health will improve as you have less anxiety and stress. • You will develop stronger and more defined muscles. • Your weight and body fat will go down. • You will have more energy and better self-esteem. Here are some tips for getting the most out of your power walking: • Power walking techniques are best applied by keeping your head up and level. Not looking down, but ahead to where you are going. • Move your arms gently, in a way that is comfortable and fits in with your walking. • Your walking movement should come initially from the hip area so that it swings forward with the leg following and then straightening out. As you move forward you should apply energy to the back foot so that your forward momentum is maintained. Try your best not to take extra long steps, just use a stride that is natural to both the motion and the speed that you are going. • Select a route that takes you through a scenic area and attractive neighborhood. Even if this represents only a portion of your route, the destination will motivate you and you’ll be inspired as you pass through. • Carry a bottle of water to keep yourself hydrated.
POWER WALKING A great exercise for seniors
Power to the people! Many doctors and fitness experts consider power walking to be the perfect way to stay fit. Anyone can do it, it doesn’t cause trauma to your joints like running does, and injuries from doing it are extremely rare. They also point out that the human body was designed more for walking than running or jogging. There are other benefits too. Walking exercise doesn’t require any special equipment, it can be done almost anywhere, you can do it throughout your life, and the outdoor scenery and fresh air can be invigorating. This more aggressive and intense style of walking offers full aerobic benefits and strengthens a wider range of muscles. Power walking is the new jogging. It is seen as a safer alternative to running with similar health benefits but at a lower intensity. In thirty minutes you can burn up to 250 calories and get a great cardiovascular workout.
Schnurmacher Center for Rehabilitation and Nursing is there... when you need a little more help to get you home. · Short Term Rehabilitation · Subacute Medical Services · Skilled Nursing Care · Music Therapy
Schnurmacher and Burke Rehabilitation Hospital Working together to provide excellent rehabilitative care
12 Tibbits Avenue White Plains, NY 10606 914-287-7200 Schnurmacher.org
PAGE 20 Anthony Macera, M.A. CCC-A, FAAA NY State Licensed and Certified Audiologist & Hearing Aid Dispenser
October, 2014
Boomers & Beyond - Westchester
A customized hearing healthcare solution will be identified by our New York State licensed and certified audiologist that will address you hearing loss and lifestyle needs. Our digital hearing devices cover the entire spectrum of hearing impairments. They will help you hear and communicate better with those around you. Most of our hearing devices come with an industry leading 4 Year Warranty. We are, also, one of the only area providers of Lyric, the first and only 100% invisible, extended wear hearing aid (worn up to 3 months!). So, why don’t you give us a call at 914-253-9160 to schedule your complimentary hearing consultation and begin your journey to hearing like a PRO! Do you ever have difficulty hearing or understanding speech in restaurants? At parties or family gatherings? Do you feel that people are mumbling all the time? Is the volume on your television creeping up? Is telephone conversation sometimes difficult to understand? If you answered yes to any of these questions, there is a strong possibility that you may have some degree of hearing loss. It has been shown that if a hearing loss is present, a person has to struggle to hear speech. Undue stress is put on that individual. This stress can have a negative effect on a persons quality of life. It can cause that person to avoid many social situations. This, in turn, can cause that person to become more isolated. Over the past 15 years Westchester Audiology and Hearing Aid Specialist, P.C. has been helping people hear and communicate better by providing superior healthcare to their patients.
We are excited to announce the arrival of our new standard 4-year warranty! Our wide selection of styles, capabilities, features and colors ensure that your hearing needs will be met, and our warranty gives you the protection that you deserve.
Anthony Macera, M.A. CCC-A, FAAA NY State Licensed and Certified Audiologist & Hearing Aid Dispenser
Westchester Audiologyand Hearing Aid Specialist p.c.
14 Rye Ridge Plaza, Ste.247, Rye Brook, NY 914-253-9160 www.westchesteraudiology.com &REE 0ARKING s &INANCING !VAILABLE s 0ARLIAMO )TALIANO s (ABLAMOS %SPAĂ—OL
Where to retire? Here is a helpful guide to help you with your decision Where should I retire? This question has many potential different answers and, of course, is one of the most important decisions that you will make in your life. Here are a few key tips from Boomers & Beyond that will help you narrow your search. Cost of Living For most seniors, affordability is the most important factor when deciding where to live. What is the median home price? What is the total state and local tax burden? Does the state tax IRAs, pensions, etc.? What is the median income? What is the state’s overall cost of living? If you’re planning to work part-time is the unemployment rate low? Family and Friends How important is it to live near family and friends? Do you want to live within driving distance of your grandkids? Do you want to have built-in friends around you? Or are you comfortable making new friends? Climate Are you tired of cold, wet winters? Consider the South or Southwest. Don’t like long, hot summers? Try the Northeast or upper Midwest. Does the humidity bother your arthritis? Consider a state like Arizona or New Mexico in the dry Southwest. Coastal areas in states such as Florida, Alabama, Georgia, Mississippi, and Louisiana can experi-
ence frequent tropical storms and hurricanes. Are you prepared to deal with potential evacuations, boarding up your home’s windows, and other safety measures? Insurance costs in hurricane zones can be astronomical. Northeastern states experience long and cold winters with little sunshine. Activities You now have more time on your hands than ever. How do you plan to spend it? Golfing? Gambling? Fishing? Hiking? Mountain biking? Volunteering at the local history museum? Do you already have hobbies that you want to continue? Or are you interested in trying something new? Get a feel for that city or town’s (your hobby) community by going on-line. Check out local clubs and associations. Having a college or university in town means you can continue your education. It also means more cultural activities and sporting events. Do you need a world-class arts community? Consider being close to a large city. If you’re a traveler make sure you live close to a major airport.
Why sell a life insurance policy? If you have reached the retirement age of sixty-five or older, you can benefit from the selling of your existing life insurance policy. The sale of your life insurance policy through a Life Settlement transaction eliminates premium payments and provides cash which can be used today. A Life Settlement is a better alternative than selling your home, other income producing assets or obtaining a reverse mortgage. Selling a life insurance policy provides the following benefits: 1. Pay off debts 2. Make funds available for other investments 3. Turn a lapse insurance policy into cash 4. Pay your medical care bills 5. Finance your retirement 6. Businesses can sell their Key-Man Insurance and Buy Sell Agreements to recover premiums paid on life insurance policies. 7. A nonprofit organization can sell a gifted life insurance policy which would provide funds that can be used now and eliminate any high cost premiums. 8. If you are an estate planner, Life Settlements will help manage changes in estate size, eliminate premiums, and liquidate policies that no longer are needed. The experts at http://bnmcapital.com assist in achieving the highest value for their clients life insurance policy needs. Our goal is to get you the highest price for your life insurance policy through our network of purchasers. Our mission is to serve clients with honesty, integrity and confidentiality. Don't continue to pay expensive premiums for coverage you no longer need, and don't surrender the policy or let it lapse. Life Settlements, this alternative financial solution can be a win-win for you and your family in solving your financial needs.
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PAGE 22
October, 2014
Boomers & Beyond - Westchester
You need to
shake the
salt habit
2051 Baldwin Rd., Yorktown Heights, NY 10598 914.276.7601 www.margelizcenter.com
A UNIQUE APPROACH TO MEMORY CARE AND PHYSICAL WELLNESS.
A little shake of salt here, a little shake there. Maybe you put it over your eggs at breakfast and your steak at dinner. Well, it’s time to, how shall we say, shake the salt habit.
The Margeliz Center Social Adult Program was created by two passionate Occupational Therapists. They bring a fresh approach to already existing ideology, making the Margeliz Center one of a kind.
Quitting the Salt Habit Although Americans have developed a taste for a high salt diet, there are steps you can take to break the habit and reduce your risk for high blood pressure. One way you can control your salt intake is to avoid adding salt to your meals. Limiting the amount of processed and packaged foods you eat, which contains high amounts of sodium, can help too. Because sodium holds excess fluid in the body, placing an added strain on your heart, reducing the amount of sodium you consume can help lower your blood pressure or prevent it from developing in the first place. If your blood pressure is 120/80 Hg or higher, talk to you doctor about how a low- or no-salt diet can help you bring it down. Keep in mind that sodium chloride, or table salt, is approximately 40 percent sodium. According to the American Heart Association, you should eat less than 2,300 mg of sodium (one teaspoon of salt) per day. AfricanAmericans, middle age and older adults and people with high blood pressure should strive for less than 1,500 mg of sodium per day.
Our programs are developed on proven research and executed with loving kindness, dedication, understanding and delivered with an abundant amount of joy. The Margeliz Center is known for their excellence in providing services to individuals with conditions such as Stroke, Parkinson's, PTSD, Pictured from the left, Margaret M. Dobkowski, COTA, CEO TBI, MS, Alzheimer's and other and Eliza Zelazowski, OTR/ L, CEO. dementia related conditions. Our center includes many complementary programs: Memory Training, Wellness Center, Occupational, Physical and Speech Therapy, Therapeutic Recreation and even in-home-visits from medical specialties such as podiatry, neurology, psychology, internal medicine and more. Please inquire as to how we can assist you with cost reductions.
Phone: 914.276.7601 Email: info@margelizcenter.com
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Boomers & Beyond - Westchester October, 2014
PAGE 23
How to help a senior who is depressed Depression can be devastating, interfering with a person’s ability to seek help, draining energy and self-esteem. It can be even more difficult for today’s seniors, who were raised in a time when mental illness was often stigmatized and misunderstood. Some seniors don’t believe depression is a real illness or are too proud or ashamed to ask for assistance, or fear losing independence. Assistance from someone they care about can be vital. Here are some other helpful tips to help a depressed elderly friend or relative: • Invite your loved one out. Depression is less likely when people’s bodies and minds remain active. Suggest activities to do together that your loved one used to enjoy: walks, a class, a trip to the museum or the movies—anything that provides mental or physical stimulation. • Schedule regular social activities. Group outings, visits from friends and family members, or trips to the local senior or community center can help combat isolation and loneliness. Be gently insistent if your plans are refused: depressed people often feel better when they’re around others but lack the desire or motivation to initiate activities. • Plan and prepare healthy meals. A poor diet can make depression worse and a poor appetite often accompanies depression, so make sure your loved one is eating right, with plenty of fruit, vegetables, whole grains, and some protein at every meal. • Encourage the person to follow through with treatment. Depression usually recurs when treatment is stopped too soon, so help your loved one keep up with his or her treatment plan. If it isn’t helping, look into other medications and therapies and assist in finding a good medical provider. • Make sure all medications are taken as instructed. Remind the person to obey doctor’s orders about the use of alcohol while on medication. Help them remember when to take their dose, or consider home health medication management services. • Watch for suicide warning signs. Seek immediate professional help if you suspect that your loved one is thinking about suicide.
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October, 2014
Boomers & Beyond - Westchester
Dating tips for the senior set: You can do it! Meeting Mr. or Mrs. Right is always a challenge and it often becomes even harder when you’re dating over 50. If your tried-and-true methods of meeting singles are getting stale – flirting at the gym, going to bars, schmoozing at the dog park – perhaps it’s time for a change. There interesting singles over 50 are out there – trust us – so don’t be intimidated. All it takes is the right mind-set and strategy. Here are 5 tips to meet singles over 50: Try a new activity: Let your friends know that you’re dating and ask if they know anyone who might be right for you. Also, expand your social circle by taking on new actives such as a cooking class, hiking group, or becoming a docent at a park or museum. Look up an old friend: Remember the guy you dated in college for two years and lost touch with? Do you still think about the beautiful girl your traveled around Europe with for a month? If you remember someone fondly from your past, it could be worth looking them up online. Try Googling their name, contacting college or high school alumni offices, or even an old-fashioned phone book. Go online: Americans age 50 and older are the fastest growing demographic on the dating website Match.com, and they make up 20 percent of all users. Post a flattering picture of yourself online, but don’t use a photo 10 years younger than you are. Keep it light: Don’t turn a first date into a job interview. Go into the meeting with the intention of having a good time. Be open to experiencing each date and each person for what they have to offer. Prepare some conversation starters. There’s nothing worse than awkward pauses on a first date that stretch into eternity.
Some potential questions: What is the most memorable meal you’ve ever had? Where
do you want to travel to? Movies, books, and television shows are also safe topics.
Boomers & Beyond - Westchester October, 2014
PAGE 25
Do you have the best health insurance coverage for you? Beth Casso, Program Coordinator, Westchester Seniors Out Speaking For those planning to enroll or who are already in Medicare, it pays to do a regular review of whether you have the right coverage for your current needs. In my experience, this comes down to a two-part question: what is your lifestyle and what can you afford right now. Life-style. If freedom of choice is very important to you, then Original Medicare is your best option. Medicare Advantage Plans usually have restrictions on where you can receive services. If your primary residence is New York and you don’t spend much time out-of-state, then you can choose between Original Medicare or Medicare Advantage. The drivers for your decision can focus on whether your doctors participate, what’s covered, and cost. Affordability. Can you afford about $400 per month for insurance (per individual)? This amount covers your cost for Original Medicare (usually deducted from your social security check), a premium MediGap plan (F or N) for co-pays and deductibles, and a Part D plan that pays for your prescription drugs. If that $400/month will limit your ability to pay for other things that are important to you thereby affecting the quality of your life, then you need to assess the other MediGap Plans and review their options and the trade-offs you can make. You can find a MediGap and Part D Plan or a Medicare Advantage Plan that will be significantly less than $400. You may even qualify for state or federal assistance programs to cover some of the related costs. It’s important to remember that you are not locked permanently into a specific plan. October 15 through December 7 is an annual open enrollment period when you can switch Medicare Advantage and Part D plans, including opting for Original Medicare. There are other opportunities to switch plans, depending on your specific situation. Bottom-line: Make sure your health insurance coverage supports the lifestyle and priorities you have now. These things change, so take the time to review that coverage during the year.
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October, 2014
Boomers & Beyond - Westchester
Key ways you can prepare to “age well” You’re probably already doing a lot to ensure that you stay in good health and are able to enjoy your later years: eating right, exercising, getting checkups and screenings as recommended by your doctor. Good for you! Keep it up! Still, it also makes sense to have some contingency plans for the bumps in the road that might occur. 1. Adapt your home – Stairs, baths, and kitchens can present hazards for older people. Even if you don’t need to make changes now, do an annual safety review so you can make necessary updates if your needs change. 2. Prevent falls - Falls are a big deal for older people — they often result in fractures that can lead to disability, further health problems, or even death. Safety precautions are important, but so are exercises that can improve balance and strength.
4. Think ahead about how to get the help you may need – Meal preparation, transportation, home repair, housecleaning, and help with financial tasks such as paying bills might be hired out if you can afford it, or shared among friends and family. Elder services offered in your community might be another option. 5. Plan for emergencies – Who would you call in an emergency? Is there someone who can check in on you regularly? What would you do if you fell and couldn’t reach the phone? Keep emergency numbers near each phone or on speed dial. Carry a cellphone (preferably with large buttons and a bright screen), or consider investing in some type of personal alarm system. 3. Consider your housing options – You might consider investigating naturally occurring retirement communities (NORCs). These neighborhoods and housing complexes aren’t developed specifically to serve seniors — and, in fact, tend to host a mix of ages — but because they have plenty of coordinated care and support available, they are senior-friendly.
6. Write advance care directives – Advance care directives, such as a living will, durable power of attorney for health care, or health care proxy, allow you to explain the type of medical care you want if you’re too sick, confused, or injured to voice your wishes. Every adult should have these documents.
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Boomers & Beyond - Westchester October, 2014
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