Boomers & Beyond Westchester November 2014 ebook by Belsito Communications Inc.

Boomers d n o y e &B Westchester County

November 2014

Judy Simon leads

successful ballroom dancing to A & J Home Care to help Alzheimer's patients p12

Legal advice for Medicaid & Asset-Protection planning. Call (914) 816-2900 today! See page 14

Five Star Premier Residences of Yonkers Schedule your personal tour today p13

My Second Home

AďŹ&#x20AC;ordable Alzheimer's & Dementia Day Care program p15

Conference for Caregivers on November 6 p16

Whatâ&#x20AC;&#x2122;s new for Medicare? Go to Medicare.gov p17

Neighbors Home Care Services When a helping hand is all you need p21

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November, 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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November, 2014

Boomers & Beyond - Westchester

Alzheimer’s Association’s Walk to End Alzheimer’s® in White Plains raises $300,000 and counting The halls, the lawns, and the sidewalks of White Plains High School spilled over with people sporting purple tee shirts, hats, holding signs and banners, with names of loved ones lost or fighting Alzheimer’s disease. Sunday, September 28th, the school overflowed almost 1,500 people of all ages who joined in the Alzheimer’s Association’s Walk to End Alzheimer’s® in a movement to reclaim the future for millions. As of press time, participants raised more than $300,000 to fund the Alzheimer's Association care, support and research programs. U.S. Representative Nita Lowey, NYS Senator Andrea Stewart Cousins, and NYS Assembly member David Buchwald greeted the crowd and added their support for more federal research funding, and local programs, services and outreach for the devastating disease. Walk to End Alzheimer’s participants did more than complete the 3-mile walk loop into a nearby park. They learned about Alzheimer’s disease and how to get involved with this critical cause, from advocacy opportunities and to support programs and services to clinical trials. The event also included an emotional tribute to those who have experienced or are experiencing Alzheimer’s. The Alzheimer’s Association Walk to End Alzheimer’s is the world’s largest event to raise awareness and funds for Alzheimer care, support and research. Since 1989, the Alzheimer’s Association mobilized millions of Americans in the Alzheimer’s Association Memory Walk®; now the Alzheimer’s Association is continuing to lead the way with Walk to End Alzheimer’s. Together, we can end Alzheimer’s – the nation’s sixth-leading cause of death. photos by Anthony Mairo

Boomers & Beyond - Westchester November, 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

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November, 2014

Boomers & Beyond - Westchester

Advertiser’s Index

Our View

A&J Home Care, Inc.......................................................................12 B&M Capital....................................................................................9 ColumbiaDoctors............................................................................23 Dignity Memorial............................................................................16 Dominican Sisters Family Health Service........................................10 Ely J. Rosenzveig & Associates, PC.............................................3,14 Five Star Premier Residence of Yonkers.......................................13 Glen Island Center for Nursing and Rehabilitation.........................19 Margeliz Center...............................................................................20 My Second Home...........................................................................15 Neighbors Home Care Services.......................................................21 VNA of Hudson Valley.....................................................................24 Victoria Home...................................................................................8 Visiting Development Care Group, LLC.........................................11 The Wartburg..................................................................................5 Westchester Audiology...................................................................22 Westchester Care at Home..............................................................2 Westchester Gov. Senior Programs & Services..................................7 Westchester Library System...........................................................17

Thanksgiving is approaching and most of us are looking forward to holiday gatherings, full of delicious foods, laughter and time spent with family and friends. Are you spending Thanksgiving with senior loved ones? Every day, but especially on holidays, is a wonderful time to let the seniors in your life know how thankful and grateful you are to have them in your life. Trust us, they will appreciate your kind words. Your senior loved one may have gone to war to fight for our country and your rights. Or worked three jobs to keep a roof over your head and/or receive a good education. Maybe they care for your children while you are working to make ends meet. Thanksgiving is the perfect opportunity and the right time to spend extra quality time with the seniors in your life. And, of course, cherish them. We hope your day is special. Enjoy the food, complete with all of the trimmings, and the company of good friends and family. You have many things to be thankful for, including those special seniors in your life. Make sure you take a moment to tell them that.

Westchester County

Boomers nd & Beyo

Happy Thanksgiving!

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) ••• SENIOR SALES CONSULTANT Maureen Rafferty Linell (MRLinell@charter.net) ••• 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. 11 - 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… Homecare for the Holidays

How home care can make your holiday stay safe and special

Retirement Communities Finding the best for your loved ones

Boomers & Beyond - Westchester November, 2014

! e e r f , Yes

Free consultations for Westchester seniors. Join us at Westchester County’s 15th annual Senior Law Day. Benefit from advice from financial planners, attorneys and geriatric care managers. Free refreshments and free parking. Call 914.813.6300 or visit www.westchestergov.com/seniors for more information. : Free sessions on Elder Law Estate Planning Guardianship Wills & Trusts ng Affordable Housi aid Medicare/Medic

Senior Law Day Wednesday, October 29, 2014 8:30 a.m. – 2:00 p.m. Westchester County Center, 198 Central Avenue, White Plains Talleres disponibles en español

WOW THA

OU This program is made possible thanks to our generous sponsors:

NK Y

Amoruso & Amoruso, LLP; Anthony J. DeVito, Ph.D., CFP, NAPFA-Registered Financial

Advisor; Bleakley Platt & Schmidt, LLP; Cuddy & Feder, LLP; Ely J. Rosenzveig & Associates, P.C.; Enea, Scanlan & Sirignano, LLP; FiveStar Premier Residences of Yonkers; Glassman & Brown, LLP; Hyman & Gilbert; J effrey S. Goldstein, Esq.; Keane & Beane P.C.; Robert Leitner, CFP, Financial Advisory Network; Littman Krooks, LLP; Rosenthal & Markowitz, LLP; Shamberg Marwell Hollis Andreycak & Laidlaw, P.C.;

Westchester County

LIVABLE COMMUNITIES

The Bristal at White Plains; The Collaborative for Palliative Care; The Harry and Jeanette Weinberg Center A Vision for All Ages–

for Elder Abuse Prevention at the Hebrew Home at Riverdale; Tracy Christen Reimann, P.C.; Valorie Joy Promisel, Esq.; Westchester Elder Care Consultants, LLC No tax dollars were used for this advertisement.

Bringing People and Places Together

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November, 2014

Boomers & Beyond - Westchester

Boomers& Beyond Guide to Estate Planning

It’s unfortunate how many people believe that estate planning is only for wealthy people. People at all economic levels benefit from an estate plan. Upon death, an estate plan legally protects and distributes property based on your wishes and the needs of your family and/or survivors with as little tax as possible.

Advance Medical Directives Everyone faces the possibility that sometime during our lifetime, we may become incapacitated. This often happens when nearing death, but it can also be the result of a temporary condition. Many people assume their spouses or children will automatically be allowed to make financial and/or medical decisions for them, but this is not necessarily true. Advance directives are written documents that tell your doctors what kind of treatment you’ll want if you become unable to make medical decisions (for example, if you’re in a coma). Forms and laws vary from state to state, so it’s a good idea to understand the laws of the state where you live as you write advance directives. It’s also a good idea to make them before you are very ill. Federal law requires hospitals, nursing homes, and other institutions that receive Medicare or Medicaid funds to provide written information regarding advanced care directives to all patients upon admission. A living will is one type of advance directive that comes into effect when a person is terminally ill. A living will does not give you the opportunity to select someone to make decisions for you, but allows you to specify the kind of treatment you want in specific situations. For example, you might choose to specify that you do not want to be treated with antibiotics if death is imminent. You can, if you choose, include an advance directive that you do not wish to be resuscitated if your heart stops or if you stop breathing. In this case, a Do Not Resucscitate (DNR) order would be entered on your medical chart.

Wills A will is the most practical first step in estate planning; it makes clear how you want your property to be distributed after you die. Writing a will can be as simple as typing out how you want your assets to be transferred to loved ones or charitable organizations after your death. If you don’t have a will when you die, your estate will be handled in probate, and your property could be distributed differently than what you would like. It may help to get legal advice when writing a will, particularly when it comes to understanding all the rules of the estate disposition process in your state. Some states, for instance, have community-property laws that entitle your surviving spouse to keep half of your wealth after you die no matter what percentage you leave him or her. Fees for the execution of a will vary according to its complexity. Rules When Writing A Will • In most states, you must be 18 years of age or older. • A will must be written in sound judgment and mental capacity to be valid. • The document must clearly state that it is your will. • An executor of your will, who ensures your estate is distributed according to your wishes, must be named. • It is not necessary to notarize or record your will but these can safeguard against any claims that your will is invalid. To be valid, you must sign a will in the presence of at least two witnesses. continued on next page

Estate Planning continued from previous page

Choose an Executor An executor is the person who is responsible for settling the estate after death. Duties of an executor include: • • • •

Taking inventory of property and belongings Appraising and distributing assets Paying taxes Settling debts owed by the deceased

Most important, the executor is legally obligated to act in the interests of the deceased, following the wishes provided by the will. Here again, it could be helpful to consult an attorney to help with the probate process or offer legal guidance. Any person over the age of 18, who hasn’t been convicted of a felony, can be named executor of a will. Some people choose a lawyer, accountant or financial consultant based on their experience. Others choose a spouse, adult child, relative or friend. Since the role of executor can be demanding, it’s often a good idea to ask the person being named in a will if he or she is willing to serve. If you’ve been named executor in someone’s will but are not able or do not want to serve, you need to file a declination, which is a legal document that declines your designation as an executor. The contingent executor named in the will then assumes responsibility. If no contingent executor is named, the court will appoint one. Write a Social Media Will Social media is a part of daily life, so what happens to the online content that you created once you die? If you are active online you should consider creating a statement of how you would like your online identity to be handled, like a social media will. You should appoint someone you trust as an online executor. This person will be responsible for the closure of your email addresses, social media profiles, and blogs after you are deceased. Take these steps to help you write a social media will: • Review the privacy policies and the terms and conditions of each website where you have a presence. • State how you would like your profiles to be handled. You may want to completely cancel your profile or keep it up for friends and family to visit. Some sites allow users to create a memorial profile where other users can still see your profile but can’t post anything new. • Give the social media executor a document that lists all the websites where you have a profile, along with your usernames and passwords. • Stipulate in your will that the online executor should have a copy of your death certificate. The online executor may need this as proof in order for websites to take any actions on your behalf. Review Your Estate Plan Once you’ve completed a will, it’s a good idea to review it from time to time, and consider changes if: • The value of your assets change • You marry, divorce or remarry • You have a child • You move to a different state • The executor of your will dies or becomes incapacitated or your relationship changes • One of your heirs dies • The laws affecting your estate change

Who qualifies for a Life Insurance Settlements or an Advanced Benefit Loan? At B & M Capital Inc., we advise on the various financial benefits of selling or taking a loan against your life insurance policy either through a life settlement or an advanced benefit loan. When we speak to individuals or professionals at seminars and conferences, they are amazed to learn how old the life settlement industry, about 100 years, and how many financial institution own or invest in this type of business. Yet, the greatest misconception in educating potential clients and professionals is, who are the people that qualify for a life settlement or advanced benefit loan? The answer to all of them is anyone who has obtained the age of 65 or older. They must be of retirement age, not necessary retired. They can still be actively working; actually, some of these people are still active members in the work force. The point that I am trying to get across is, today’s seniors are very different than what society shows us or what we perceive in our minds. Seniors, who are looking for other financial sources to find income or raise fund do not have to be hospitalized, terminally ill or destitute. There are many seniors who take advantage of our services that are in generally good health and financially sound. Here are some reasons why seniors take advantage of our services:

1. They are outliving their retirement funds due to the advancement in medicine, change in life style,

and the cost of living in the Northeast. Most seniors that live in the tri state area, enjoy being close to the greatest City in the world and do not want to leave. They have made friends, families, memories, and built a life that is unique to the Northeast. I know this to be true because; this is what I was told by my own parents, who were not born in this region.

2. Seniors are still very shrewd investors. Once I explain to seniors

how much value their life insurance contract could be possibly worth. They are quick to act. First we start with basic underwriting requirements and we submit the necessary paperwork. No cost to my client, a potential offer is then offered by a top-tier financial company. In a three to four week span, my clients are amazed on how easy and financially rewarding this type of transaction can be.

B & M Capital is a structured settlement company specializing in the purchasing of life insurance, annuities, structured settlements and oﬀering Advanced Beneﬁt Loans.

Free consultation! Please contact us for more information:

203-296-4852 Isn’t it time to explore another financial option?

Visit us online at www.bnmcapital.com And LinkedIn

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November, 2014

Boomers & Beyond - Westchester

Alzheimer’s Disease: The warning signs More than 5 million Americans are living with Alzheimer's today, with another person developing the disease every 68 seconds. By 2050, the number of people living with Alzheimer's disease is expected to triple. As if those numbers weren't staggering enough, consider this: Alzheimer's disease is the only cause of death among the top 10 (it's currently ranked No. 6) in the United States that can't be prevented, cured or slowed down. Ask any expert, and he or she will tell you that early diagnosis is key to helping patients live better day to day, so even though the disease is still progressing, the symptoms are less harsh.

Here are seven Alzheimer's symptoms to look for: 1. Asking the same question over and over again. 2. Repeating the same story, word for word, again and again. 3. Forgetting how to cook, or how to make repairs, or how to play cards—activities that were previously done with ease and regularity. 4. Losing one's ability to pay bills or balance one's checkbook. 5. Getting lost in familiar surroundings, or misplacing household objects. 6. Neglecting to bathe, or wearing the same clothes over and over again, while insisting that they have taken a bath or that their clothes are still clean. 7. Relying on someone else, such as a spouse, to make decisions or answer questions they previously would have handled themselves. Rather than diagnose Alzheimer's disease at home, head to your doctor's office. You can also find more information at www.alz.org, or by calling the Alzheimer's Association's 24-hour hotline at (800) 272-3900.

Dominican Sisters Family Health Service Compassionate care in the privacy and comfort of your own home Services Include: UÊ- i`Ê ÕÀÃ }Ê UÊ iÊ i> Ì Ê `iÃÊ Ê UÊ* ÞÃ V> ]Ê-«iiV Ê> `ÊÊ Ê "VVÕ«>Ì > Ê/ iÀ>« iÃ UÊ >ÃiÊ > >}i i Ì UÊ À VÊ >ÀiÊ > >}i i Ì Ê Õ`Ã Ê6> iÞ\Ê £{ {£ £Èx{Ê Ê iÜÊ9 À Ê ÌÞ\ÊÓ£Ó ÓÎ ÈxnÈÊ

www.dsfhs.org

Specialty Services: UÊ >À` >VÊ >ÀiÊ > >}i i ÌÊ UÊ >LiÌiÃÊ >ÀiÊ > >}i i Ì UÊ >ÌiÀ > Ê `Ê-iÀÛ ViÃÊ UÊ- V > Ê7 À Ê-iÀÛ ViÃ UÊ7 Õ `ÊEÊ"ÃÌ ÞÊ > >}i i Ì UÊ*>ÃÌ À> Ê >Ài }Ê Ã > `\ÊÈÎ£ ÇÓn ä£n£ À Ý\ÊÇ£n ÈÈx ÈxxÇ

Boomers & Beyond - Westchester November, 2014

PAGE 11

The Caregiver needs Support too By Viviana DeCohen Being a Caregiver can be quite exhausting and stressful. Every Caregiver is not always prepared for their role. Some were on the verge of ready because of an announced illness, and already had their mind wrapped around the idea, others became Caregivers suddenly because a spouse passed away leaving another ailing partner that required immediate assistance. Still others, are not family members at all but friends who were given Power of attorney who received a phone call during the night that thrust them into the sudden role. Caregiving requires assistance and may include a “Circle of Support or Care Circles” states Collette Phipps, LMSW, Deputy Executive Director of The Westchester County Department of Senior Program and Services. These circles which include neighbors and friends, can increase wellness of both Caregiver and the person receiving the care, and reduce isolation amongst other benefits. First, getting information on the illness will give you better insight as to the dietary and physical needs of the person. Making a list of those needs will allow you to address the things that you are able to assist with. Do not be afraid to include neighbors, friends, places of worship and clubs and organizations that the person being cared for once belonged to, you would be surprised who is willing to assist, even a former shopping partner.

Remember to see to your own medical appointments, your health is important. Eating properly and exercising will allow you ample energy and better coping skills. Know when to take a break and enjoy a day or evening out to avoid burn out. There are Caregiver support groups, Caregiver Coaches, and seminars all over the county where you may attend and share your feelings or just listen and pick up a few tips. If the person that you are caring for is a wanderer, then call project LifeSaver, Melody Keel for the tracking bracelet that allows the safe return of every user. It will give you peace of mind. If you are a Caregiver support group and would like to host “Tea Time Talk” for your group, call Melody Keel to schedule. Whatever supportive services that you are in need of, from Adult Day programs to prepared meals ready for delivery, you are just a phone call away. When you find that you want to fill in a day or two with in home care, consider our Adult Nanny Care that will come in and allow you the much needed break that you deserve, free of guilt and with peace of mind. Our in home Companions and Homemakers will care for the needs and provide an activity to be enjoyed for the day. Remember, Caregivers need support too, schedule a little time for yourself today!

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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November, 2014

Boomers & Beyond - Westchester

Ballroom dancing therapeutic and uplifting for

Alzheimer’s patients As soon as the music comes on, Judy Simon sees shoulders move, eyes open and feet tap. The room awakens. It’s amazing what ballroom dancing can do for patients with Alzheimer’s disease. “It’s very exciting to see. It’s actually fascinating,” said Simon, an administrator for A&J Home Care, Inc., which serves Putnam and Westchester counties. “You can see everyone is more alert, everyone is more responsive. They exhibit elevated moods and are engaged in the process. It’s wonderful and so rewarding.” Simon teaches the ballroom dancing class three days a week at The Kensington in White Plains. She and her colleague, Brenda Moynihan, helped bring the program to A&J about a year ago. A&J provides aides to the home, to independent and assisted living facilities and to hospitals and nursing Homes in Putnam and Westchester. Simon said she was moved to bring ballroom dancing to A&J after seeing the success of Northern Wetschester Hospital’s music therapy program, which addresses varied physical, emotional, cognitive and social needs. The program, for patients of all ages, has run on and off since 2010 thanks to private donations from the community. Since its inception four years ago, more than 1,300 patients have participated in NWH’s Music Therapy Program, with many reporting improvements in levels of pain, anxiety, and mood. The medical staff has also observed enhanced individual responsiveness, socialization, attention span, and focus. North

Salem residents Paul Shaffer, who’s served as David Letterman’s musical director for nearly three decades, and his wife, Cathy, are donors to Northern Westchester’s program. “As a musician, I’m aware of the healing properties of music,” said Paul Shaffer. “I’ve been fortunate enough to play my piano in hospitals, in prisons, and after natural and man-made disasters. I’ve seen first-hand how music can calm, soothe, and help in situations one would have thought impossible.” Several studies suggest that ballroom dancing may lower a person’s risk of cognitive decline. They may also improve the quality of life that dementia steals from Alzheimer’s patients and their loved ones. “I believe that the Arts play a significant role in the process of healing and this has been proven in what ballroom dancing offers to those with Alzheimer's disease,” Simon said. “It enhances one’s life socially, physically, mentally and emotionally in a safe environment.” According to reports from Alzheimer’s Disease International (ADI), about 35.6 million people live with some type of dementia. ADI expects this number to triple by 2050. Alzheimer’s disease, a debilitating loss of brain function, is the most common type of dementia. Not only does it cause memory problems, but it also affects thinking, behavior, and personality. The Alzheimer’s Association and other groups continue to fund research into the development and progress of dementia. This is where ballroom dancing comes in, and the research is

encouraging. Ballroom dancing, piano playing, crossword puzzles, and other mental activities appear to keep dementia at bay. According to a two welldocumented studies -- the Bronx Aging Study and the Religious Orders Study -- activities that challenge the mind may prevent or delay the onset of dementia in older adults. “It’s so fun,” Simon said. “The whole floor has a ball, patients, nurses, everyone. We are just so happy to be a part of this.”

A&J Home Care, Inc. A name that families have learned to trust with the care of their loved ones.

A Licensed Home Care Agency 359 East Main St. Mt. Kisco, NY 10549 When temporary or long term Nursing or personal care is needed, let our professional staff assist you to plan for your individual needs.

,ŽŵĞ ĂƌĞ ^ƚĂĨĨ͙ Registered Nurses, Licensed Practical Nurses, Home Health Aides, Personal Care Aides, Companions, PRI Certified R.N. & Geriatric Care Assessments. Please call for a free consultation. We are available 24 hours a day and 7 days a week.

Medicaid approved - CHAP accredited Tel 914.244.9570 Fax 914.242.0389 ʹ Ajhomecare.com

Boomers & Beyond - Westchester November, 2014

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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

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.

Westchester Financial Center 50 Main Street, Suite #1275 White Plains, NY 10606 Email: Info@ejrosenlaw.com

Tel: (914) 816-2900 www.ejrosenlaw.com ELDER LAW

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Boomers & Beyond - Westchester November, 2014

PAGE 15

FSW Awarded Three-Year $902,064 Grant for Alzheimer’s Disease and Related Dementias Initiative Family Services of Westchester, Inc. (FSW) has been awarded a three-year grant by the federal Administration on Aging to strengthen Westchester’s ability to serve adults with Alzheimer’s Disease and Related Dementias (ADRD) and their caregivers. The overall goal is to reduce the disproportionate access to services that currently exists in Westchester and to improve the County’s ability to serve all those in need. “We’re thrilled to have this opportunity to expand access to needed services as the number of County residents affected by these illnesses continues to increase,” said Susan B. Wayne, FSW’s President/CEO. “We’re excited to partner with the Alzheimer’s Association, the Department of Senior Programs and Services, Arc, Fordham University, Burke Rehabilitation Center Memory Evaluation and Treatment Services and others to develop a system of care to meet the County’s needs.”

INDEPENDENCE

The $902,064 grant will allow FSW to: 1) Replicate in southern Westchester FSW’s award-winning social model adult day program, My Second Home; 2) Provide respite, training and support to caregivers of those with Intellectual and Developmental Disabilities (IDD) and have or are at risk of ADRD; 3) provide outreach, gatekeeper training and ADRD education to residents of southern Westchester, and 4) offer advanced training in behavioral symptom management and expert consultation to Westchester ADRD caregivers. “The timing is fortuitous as we move closer to the anticipated opening of our new Lanza Family Center for All Ages in White Plains,” added Ms. Wayne. “This new multi-generational site was conceived as a means to serve residents of southern and central Westchester who did not have access to our program in Mt. Kisco,

| DIGNITY

| CHOICE

so we are delighted that it will be a part of this more comprehensive effort to expand access to care.” The Lanza Center is currently under construction and scheduled to begin operations early in 2015.

Sinc Since e 1998

My M y Se Second cond Home Home

AWARDS A WARDS & REC RECOGNITIONS OGNITIONS 2014 2 014

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2014 2 014

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2013 2 013

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2011 2 011

MindAlert MindAlert Award Award from Aw from American American Society Society on Aging Foundation on Aging and the MetLife MetLife F oundation

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Why W hy b be e home alone? CCome ome spend the day day with us — exercise exercise yyour our brain and warm warm yyour our hear heart. t. Affiliations/Memberships: Mt. Kisc Affiliations/Memberships: K Kisco isco Child C Care are Center, Center er,, NYS NYS A Adult dult D Day ay SService ervice A Association, ssociation, National A dult D ay SServices ervices A ssociation, West W estchester C ounty D epartment of S enior National Adult Day Association, Westchester County Department of Senior P rograms and Services es,, Alzheimer ’s A ssociation, NYSigN, NYSigN, Mt. Kisco Kisco Chamber Kisc Chamber of C ommerce, Programs and Services, Alzheimer’s Association, of Commerce, FFordham ordham Univ ersityy, P ersit , PA ACE University, University, and Mer cy College College University, PACE Mercy My S econd Home is a pr ogram of F amil milyy S ervic vices es of W West estchester Second program Family Services Westchester Need-based scholarship assistanc ailable assistancee av available

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Rina R ina Bellamy, B ellamy, LMSW, LMSW, QDCP, QDCP, Director D irec tor | 914-241-0770 | rrbellamy@fsw.org b ellamy@fsw.org | www.fsw.org w w w.fsw.org

PAGE 16

Boomers & Beyond - Westchester

November, 2014

SAVE THE DATE! Astorino announces conference for caregivers Nov. 6 in Dobbs Ferry Westchester County Executive Robert P. Astorino has announced that “The Journey of Caregiving” – a conference to address the emotional and physical challenges that caregivers face in caring for loved ones of all ages – will take place Thursday, Nov. 6 in Dobbs Ferry. “Caregivers face enormous responsibilities and challenges,” Astorino said. “But Westchester County is here to offer support. Through events like this and many other programs offered throughout the year, caregivers should know they are not alone.” The conference will take place at Dobbs Ferry High School, 505 Broadway, Dobbs Ferry, from 4:30 p.m. to 7 p.m. The guest speaker is the Rev. Viviana DeCohen, a hands-on expert in aging with a spiritual bent Caregivers at the conference will also be able to experience Westchester County’s new and innovative Telehealth Intervention Programs for Seniors (TIPS). Through TIPS,

seniors can have their vital signs – blood pressure, pulse, oxygen level and weight – monitored and receive a full social benefits assessment as well. The conference will also feature free, one-on-one sessions with elder law attorneys, geriatric social workers and geriatric care managers. In addition, participants will also learn about new technology application to help them manage stress. Conference sponsors are the Westchester County Department of Senior Programs and Services, the Westchester Public/Private Partnership for Aging Services, the Livable Communities Caregiver Collaborative and the Dobbs Ferry Public Library. Phelps Memorial Hospital Center is a co-sponsor. Reservations are preferred, but walk-ins are welcome. To sign up, contact Colette Phipps at cap2@westchestergov.com or (914) 813-6441 or call the Dobbs Ferry Library at (914) 693-6614.

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Boomers & Beyond - Westchester November, 2014

PAGE 17

Time to switch? Are you satisfied with the Medicare coverage you’ve got? Do you know what your options are? Confused by all the mail and the insurance statements over the last several months? It may pay to check! October 15 until December 7 is Medicare Open Enrollment. This is when you are free to switch coverage for the next calendar year. Whether you have Original Medicare with a Medigap (supplement) plan and Part D prescription k plan, or a Medicare Advantage Plan, this is the time to reevaluate your needs. What would be a reason to switch? If you have Original Medicare with a Medigap supplement and Part D: • Has your financial condition changed requiring you to evaluate the less expensive option of an Advantage plan? • Has the company providing your Part D coverage removed any of your drugs from the formulary? Or have they raised your drugs to a higher, more costly tier? • Have any of your expensive drugs gone off patent this year, allowing you to get a less expensive Part D plan? If you have a Medicare Advantage plan: • Has your health changed requiring expanded, more flexible coverage? • Have any doctors or hospitals opted out of your current plan? • Has your plan removed any of your drugs from the formulary, raised their cost or moved them to a more costly tier? Medicare.gov is excellent for evaluating Advantage Plans and part D Prescription drug plans. The site allows you to search for the best plans available to you considering the medications you currently take. Many seniors, however, are not adept at navigating it. There’s a solution! Senior Benefits Information Centers, available at 10 library locations and through a county-wide helpline, are available to walk each individual through their options – online, in-person, and one-to-one. And if you or someone you know will soon be new to Medicare, these counselors will assist you with the thorny web of considerations required to plan for enrollment. Two library locations are in Port Chester and New Rochelle.

Counselors are trained volunteers with the Westchester Seniors Out Speaking program. In addition to Medicare guidance, counselors provide information about different types of government programs, including federal and state financial assistance programs, and county-wide benefits. To find library locations and times, or to leave a message with our Helpline, call 914.231.3240 or visit http://www.westchesterlibraries.org/senior-benefits-information-centers/.

PAGE 18

November, 2014

Boomers & Beyond - Westchester

Make sure you get your senior discounts on

Black Friday has become a sport, with savvy shoppers jockeying for position on long lines in front of stores, trying to find a great deal. Enter the Black Friday game changer. That would be you: As a senior, you qualify for discounts that average consumers do not get. Many stores, restaurants and services offer discounts for seniors. Some businesses make their senior discounts very apparent, while others do not publicize them at all. Make sure this holiday shopping season you ask! Some discounts start for people as young as 50, so always double check if the store (restaurant, hotel, etc) your at has a senior discount. There are plenty of senior discount directories online that you can check out, including www.seniordiscounts.com. If you can’t remember all of the discounts out there, always ask! Even if there is not a traditional senior discount, some might still make an exception and give you a small portion off just because you asked. So make sure you cover your tracks and take full advantage of your discounts on Black Friday and every day!

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PAGE 19

Five reasons seniors should volunteer Volunteering is one of the best ways for people to give back to their communities, whether they're helping plant a public garden or tutoring students after school. Seniors frequently enjoy this act of kindness, as it provides them with many benefits that are crucial for their health. It helps bridge the generation gap Seniors who volunteer have a unique opportunity to work with and assist younger generations — and learn from them, too. It helps change the way people think about older adults By using their talents and skills out in the world in a variety of ways, seniors demonstrate that they are active, involved and essential to a healthy community. It is good for mental health and can help prevent Alzheimer’s The National Institute on Aging has reported that participating in social leisure activities and meaningful, productive activities such as volunteering may lower the risk of health problems in seniors, including dementia, as well as improving longevity.

It helps prevent senior isolation and depression In addition to getting seniors out of the house and into the community, volunteering has a positive effect on psychological wellness: according to the Corporation for National and Community Service, those who volunteer experience greater life satisfaction, a sense of purpose and accomplishment, more stress resilience, and lower rates of depression. It promotes healthy physical activity Volunteering can be good for keeping the body active, whether you’re building houses for Habitat for Humanity or walking around your favorite museum as a volunteer docent. Maintaining a healthy level of physical fitness as we age helps ward off disease, injury and even dementia.

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PAGE 20

November, 2014

Boomers & Beyond - Westchester

2051 Baldwin Rd., Yorktown Heights, NY 10598 914.276.7601 www.margelizcenter.com

How many

calories should I consume per day? A woman over age 50 should consume 1,600 calories a day if her physical activity level is low (only performs activities associated with typical day-to-day life) 1,800 calories daily if she is moderately active (walks the equivalent of 1.5 to 3 miles a day at 3 to 4 miles per hour) 2,000 to 2,200 calories daily if she has an active lifestyle (walks the equivalent of more than 3 miles a day at 3 to 4 miles per hour).

A man over age 50 should consume

A UNIQUE APPROACH TO MEMORY CARE AND PHYSICAL WELLNESS. 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. 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.

2,000 to 2,200 calories a day if his physical activity level is low (only performs activities associated with typical day-to-day life) 2,200 to 2,400 calories daily if he is moderately active (walks the equivalent of 1.5 to 3 miles a day at 3 to 4 miles per hour) 2,400 to 2,800 calories daily if he has an active lifestyle (walks the equivalent of more than 3 miles a day at 3 to 4 miles per hour

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Boomers & Beyond - Westchester November, 2014

PAGE 21

How to Lower Your Risk Making modest lifestyle changes can help prevent or delay type 2 diabetes in people who are at risk. Here are some tips. Reach and Maintain a Reasonable Body Weight Your weight affects your health in many ways. Being overweight can keep your body from making and using insulin properly. It can also cause high blood pressure. Waist Measurement. In addition to weight, the location of excess fat on the body can be important. A waist measurement of 40 inches or more for men and 35 inches or more for women is linked to insulin resistance and increases a person’s risk for type 2 diabetes. This is true even if a person’s body mass index (BMI) falls within the normal range.

Seniors & Diabetes

Here are more tips for eating well with diabetes. • Make a diabetes meal plan with help from your health care team. • Choose foods that are lower in calories, saturated fat, trans fat, sugar, and salt. • Eat foods with more fiber, such as whole grain cereals, breads, rice, or pasta. • Choose foods such as fruits, vegetables, whole grains, bread and cereals, and low-fat or skim milk and cheese. • Drink water instead of juice and regular soda. Be physically active • helps you lose weight • controls your cholesterol and blood pressure • improves your body's use of insulin. Many people make walking part of their daily routine because it’s easy, fun and convenient. But you can choose any activity that gets you moving. It’s fine to break up your 30 minutes of exercise into smaller increments, such as three 10-minute periods. Check with your doctor before beginning any exercise program.

The risk of developing diabetes increases with age — nearly 11 million seniors in the United States have the condition. That's more than a fourth of all people in this age group. In comparison, just more than 8 percent of all Americans have diabetes. Equally important, living with diabetes means facing an increased risk of complications as you grow older — complications that can affect your heart, vision, hearing, and more. However, there are steps you can take to reduce these risks and protect your health in the years ahead.

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Prevention The two most common forms of diabetes are type 1 and type 2. Currently, there is no way to delay or prevent type 1 diabetes. However, research has shown that type 2 diabetes can be prevented or delayed in people at risk for the disease. Preventing type 2 diabetes can mean a healthier and longer life without serious complications from the disease such as heart disease, stroke, blindness, kidney failure, and amputations. Benefits of Weight Loss and Exercise The Diabetes Prevention Program (DPP) is a landmark study by the National Institute of Diabetes and Digestive and Kidney Diseases. DPP researchers found that adults at high risk for type 2 diabetes were able to cut their risk in half by losing a modest amount of weight and being active almost every day. This means losing five to seven percent of body weight (that's 10 pounds if you weigh 200 pounds) and getting 150 minutes of physical activity a week. The drug metformin reduced the risk of type 2 diabetes by 34 percent but was more effective in younger and heavier adults.

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PAGE 22 Anthony Macera, M.A. CCC-A, FAAA NY State Licensed and Certified Audiologist & Hearing Aid Dispenser

November, 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 donâ&#x20AC;&#x2122;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.

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Boomers & Beyond - Westchester November, 2014

PAGE 23

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PAGE 24

November, 2014

Boomers & Beyond - Westchester

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