Boomers & Beyond August 2014 ebook

Boomers d n o y e &B Westchester County

August 2014

Legal advice for Medicaid & Asset-Protection planning.

Call (914) 816-2900 today!

See page 14

Westchester Care at Home

A trusted partner in home healthcare services p2

Wartburg

Oers a choice of quality senior living options p5

B & M Capital

Helping seniors realize the ďŹ nancial options they never knew they had p12

Dominican Sisters Family Health Service

Compassionate care in the comfort of your home p16

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August, 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

PAGE 4 Anthony Macera, M.A. CCC-A, FAAA NY State Licensed and Certified Audiologist & Hearing Aid Dispenser

August, 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

Boomers & Beyond - Westchester August, 2014

PAGE 5

Your mom spends so much time alone at home.

Where can she go while you’re at work so she can be happy . . . and safe? Who can you turn to?

From adult day and home care to rehabilitation, assisted living and nursing home care, Wartburg offers a full range of integrated services for your changing life. Our continuing care approach means you can trust us to be here – how, when and where you need us.

Helping families keep the quality in life.

Our care advisers will help you navigate your options to best meet your family’s needs. Call 855-WARTBURG (927-8287) or visit wartburg.org today.

For Wartburg life stories, visit wartburg.org.

INDEPENDENT LIVING | ASSISTED LIVING | ALZHEIMER’S/DEMENTIA | NURSING HOME | ADULT DAY CARE | HOME CARE | REHABILITATION

PAGE 6

August, 2014

Boomers & Beyond - Westchester

Advertiser’s Index

Our View

A&J Home Care, Inc...............................................................10

This summer has been inspiring for the staff at Boomers & Beyond.

Why? Because of you — our loyal readers.

At the start of the summer, we encouraged you to go out and be active, take vacations, go on excursions, visit the grandparents across the country. Of course, most of you didn’t need our nudge, but we figured why not provide some motivation.

You certainly didn’t let us down.

You are certainly getting the most out of your senior years.

Take, for instance, the retired couple from Somers, who shared with us their summer vacation. They bought an RV and traveled the country. Fantastic!

Many seniors in Westchester County are in amazing health. The key to remaining young is to continue acting like you're young. Continue to be out every day. Tour local attractions, eat out with friends, and visit family. Keep in mind: When you stop moving it is very hard to start again.

The fall is approaching, but don’t slow down. There are so many ways for you to stay busy. Walk around the local farmers' market on the weekends. Volunteer in the community. Anything you can do to keep moving is important.

In the meantime, thank you for inspiring all of us.

A&T Healthcare.....................................................................11 B&M Capital.........................................................................12 ColumbiaDoctors..................................................................19 Dignity Memorial....................................................................7 Dominican Sisters Family Health Service..............................16 Ely J. Rosenzveig & Associates, PC...................................3,14 Glen Island Center for Nursing and Rehabilitation.................15 Jennifer Lavelli CLTC, CSA..................................................17 Margeliz Center.......................................................................18 Neighbors Home Care Services.............................................13 VNA of Hudson Valley...........................................................20 Victoria Home.........................................................................8 Visiting Development Care Group, LLC................................9 The Wartburg........................................................................5 Westchester Audiology...........................................................4 Westchester Care at Home....................................................2

Westchester County

Boomers d

Jim Stankiewicz, General Manager

& Beyon

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. 8 - 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…

Assisted Living

Boomer’s celebrates National Assisted Living Week Facilities share a wide variety of activities for your loved ones

Healthy Aging

Options to maintain quality of lifestyle Dental, Eye Care and Senior Living

Health Screenings

Boomers & Beyond - Westchester August, 2014

PAGE 7

at 50 and older

A variety of health issues can arise during your adult life.

That’s why it’s important as you age to get regular screenings, along with the proper immunizations.

The screenings recommended by the U.S. Preventive Services Task Force (www.USPreventiveServicesTaskForce.org)––an independent panel of preventive medicine and primary care experts––are good ones to follow.

They include: Cholesterol Screening This important screening can help detect conditions that may lead to a heart attack or stroke.

Breast Cancer Screening Aside from non-melanoma skin cancer, breast cancer is the most common cancer among women in the United States, according to the CDC. Screening mammograms are recommended once every 12 months for women 50 and older.

Osteoporosis Screening Although most common in postmenopausal women, this brittle-bone disease can also affect men. The condition can be diagnosed through bone mass measurement, recommended every two years for adults over age 50.

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914-632-0324 !

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Colorectal Screening Of cancers that affect both men and women, colorectal cancer is the second leading cause of cancer-related deaths in the United States.

Recommendations for this screening vary by age and risk factors, but should be considered beginning at age 50.

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August, 2014

Boomers & Beyond - Westchester

Boomers & Beyond guide to cutting grocery costs Getting around the grocery store is a bit harder than it used to be.

That’s because grocery prices have increased at a rate of about 7 to 9 percent the last two years – a whole lot more than most people’s incomes have been going up – fixed or not. With that in mind, Boomers & Beyond provides its guide to cutting grocery costs.

Create a list You are much more likely to stick to what you need when you have a list. No list means you are likely to buy based on what looks good rather than what your budget, diet, and common sense will advise.

Eat a snack or lunch before you go There’s a reason why food looks good when you buy it at the store.

It’s supposed to. And if you are hungry, this appeals to your desire to buy it even more. However, if you shop after you’ve had a good lunch, you will be that much more resistant to buying the wrong items with lots of marketing appeal.

Study sales cycles Most foods go on sale about every 10-12 weeks. Around major holidays such as Memorial Day, Labor Day, Independence Day, Thanksgiving, and Christmas, these cycles are shortened.

Look for sales on turkeys near Thanksgiving, and hams for Easter and Christmas. Steaks go on sale for summer holidays, and you can get some great deals on corned beef around the second week of March.

These cycles also exist outside of holidays. Look for sales and stock up. In a few months, you will note that you are shopping out of your cupboards and saving lots of money.

Use coupons, but look out Every buying guide tells you how much money you can save with coupons.

They are right - so long as you would buy that item and that brand with or without a coupon. However, coupons are not always such a good deal for your budget. If it is still more expensive than you otherwise would spend on a different product or you wouldn’t buy it at all, the coupon has hurt your budget, not helped it.

Shop the perimeters The stuff that makes up most of your budget and that you plan your meals around like bread, veggies, meat, and dairy are on the sides and back of your supermarket.

Shop these areas first, find the savings, and then work out the rest of your budget from there. Studies show that when people get the stuff they need first, they are less tempted to buy the prepackaged convenience stuff in the center of the store.

Convenience foods We all know these are easier, but we also know that it costs time and money to produce and package convenience foods. Pre-cut veggies and meat, peeled and mixed fruits, premade salads, and other convenience foods are more expensive than if you do it yourself.

Make friends with your butcher Many times they will run a piece of meat through a tenderizer for you or put it into smaller packages so that you can freeze a portion. Even if they don’t, they are still a good source of information. Tell them what you are looking to make and ask for advice on cheaper cuts of meat and what time of day they discount their markdowns.

You can get some great deals if you are there right on top of it. Buy it and freeze it.

Get your card Many supermarket chains carry their discount card, SmartSaver, VIP, MVP, etc.

Get one and use it to save some serious money, but again, don’t buy stuff with it that you otherwise would not. It will hurt rather than help your budget.

Boomers & Beyond - Westchester August, 2014

PAGE 9

ElderServe/Alzheimer’s Leadership Advisory Committee introduces:

Tea Time Talk On Wednesday, June 11, 2014 the ElderServe/Alzheimer’s Leadership Advisory Committee introduced the first of many candid discussions for those affected by Alzheimer’s/Dementia held at the Hugh Doyle Center, 94 Davis Avenue, New Rochelle, New York.

This wonderful team, all with a diverse backgrounds have a commonality ; they have all been affected and influenced by those living with Alzheimer’s Dementia, personally and or Professionally, and have all been instrumental in taking up the charge of informing those whose lives have been altered by the devastating effects. They speak to both the newly diagnosed as well as family members, friends and those in their circle.

A few of the many topics include : “Is it Forgetfulness or Dementia”, Managing Difficult Behaviors (Practical coping strate-

When I think of home…The transition from Hospital/Rehabilitation to home Viviana DeCohen Transitioning from Hospital or Rehabilitation to home can be a daunting experience if one is not properly prepared. Apprehension and reluctance can go hand in hand and be experienced by both the family/friend Caregiver and the person coming home.

There are a few preparations that can make it easier: If the family member coming home has a walker or wheelchair, or has difficulty walking, the home should be thoroughly inspected for rugs and mats that are not properly secured.

It may be best to remove them as to avoid accidents.

Grab bars should be placed in the bathroom and a shower chair can ensure better safety. Proper footwear, even during the summer months is essential, shoes and sandals should have a back or a strap to avoid falls.

If meals are needed, consider pre-cooked meals that just need to be heated in the microwave. Ask neighbors and friends to participate, you would be surprised who is willing to lend a helping hand.

If wandering is a risk, do not wait until it is needed, call Project LIFESAVER today. It will give you peace of mind and it is free to all Westchester county residents.

Lastly, should you find that you need a little extra assistance, please speak with the Nurse, Social worker or Discharge planner at the hospital about Home Care, Independent and Assisted Living.

Life does not have to stop because a little extra care is needed.

Having a qualified Companion or Homemaker who is more like a friend can make all of the difference in the total well-being.

If you are still a little apprehensive, try our “Adult Nanny Care” and gain the benefit and joy of a qualified Companion or Homemaker with proper background screening who will be acquainted and ready to give excellent care while engaging with an activity that is sure to bring about a smile.

If you are experiencing a return home with no care in place, have suffered a stroke or have someone with a diagnosis of Alzheimer’s /Dementia, call us today, peace of mind is just a call away.

The group will be going throughout Westchester County with this valuable discussion which encompasses both the candid interactive discussion as well as a nice cup of tea, cookies and a few good prizes to bring about a smile.

The group is led by Melody Keel, MBA of ElderServe Project Lifesaver. She is joined by Crystal Johnson, Jeanette Hammond ElderServe Project Lifesaver, Christine Sotomary, Caregiver Access, Debbie Mcleroy, Office for the Aging, Donna Sangi-Vallario, Atria Senior Living, Lourdes Sanchez, Five Star Residences, Alice Suber-Weir, and Viviana DeCohen, Visiting Development Care Group, LLC. photo by Anthony Mairo If you would like the group to come gies for challenging situations) and Post to discuss these and other Alzheimer’s/ Traumatic Growth (Strength and coping Dementia topics, please contact us at skills when facing day to day challenges. (914) 365-1983.

Visiting Development Care Group, LLC

Featuring Adult Nanny Care Let Us Care For the One you Love Family Respite Services • • • • •

Private care in Home Hospital or Rehab Short Term (Min. 4 hrs.)

Overnight and Weekends Specializing in Dementia Care Extended 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

PAGE 10

August, 2014

Boomers & Beyond - Westchester

Wartburg’s Second Annual Gala raises $135,000 Jazz in June: A Wartburg Celebration of Arts & Music, the second annual gala fundraiser for Wartburg, a leading adult care community in Westchester, NY, raised nearly $135,000 on June 10, 2014. The event was held at Glen Island Harbour Club in New Rochelle, NY, and drew 275 guests and 19 sponsors to honor The Rev. Dr. Dale G. Gatz and Ms. Yvonne K. Gatz, Wartburg’s former President and First Lady.

Award winning singer/songwriter/musician Kate Davis, who has performed at Kennedy Center, The Blue Note and Lincoln Center, and was named as one of MTV’s 2014 “15 Fresh Females Who Will Rule Pop,” was the featured entertainer.

“This year’s gala was a special evening for all guests, honorees and sponsors and an immense fundraising success,” said David J. Gentner, President and CEO.

Pictured (l to r) David Gentner, President and CEO of Wartburg; Ms. Yvonne Gatz (honoree); Rev. Dr. Dale G. Gatz (honoree) and Edgar J. Myers, Wartburg Board of Directors.

“These general purpose funds will help Wartburg improve and expand its adult day care and home health care services, assisted and independent living programs as well as our nursing home programs for the senior

citizens of Westchester County and beyond.”

Dr. Gatz served as Wartburg’s President and Chief Executive Officer from 1991-2004. This period of Wartburg history saw the rapid expansion of facilities on

it’s historic campus, including the Henry G. & Jeannette A. Waltemade Health Care Center, a three-story, state-of-the-art skilled nursing facility and rehabilitation center and the construction of Meadowview Assisted Living.

Yvonne K. Gatz served the Wartburg community beside her husband with a distinct display of inspiration and compassion for all, especially enjoying volunteering for a story-telling group. She was also a member of the Wartburg Ladies Auxiliary.

“We are delighted to honor Rev. Dr. Gatz,” said Rev. Amandus Derr, Wartburg Board Chair and member of the Jazz in June Steering Committee. “His leadership at the turn of the century helped to fashion the Wartburg that we know today.”

Major sponsors for Jazz in June 2014 included: Lecesse Construction, Morgan Stanley, Lutheran Services New York Alliance, Mintz Levin PC, Morrison Senior Living and Patient Care Associates.

Recognized by U.S. News & World Report as one of the “Best Nursing Homes in New York State“ in 2013, for the third consecutive year, Wartburg (www.wartburg.org) is a not-forprofit adult community with a full range of residential options and health-related services for older area adults and their families. Wartburg offers skilled nursing care, rehabilitation, Alzheimer’s and dementia care, assisted and independent living, adult day services, home health care, spiritual care and monthly caregiver support groups. Wartburg is a member organization of the National Center for Creative Aging.

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

(L to R) Edward Wagner, Rev. Dr. Robert Ribmo, Bishop, MNYS ELCA, Rev. Maruh Drege and Molly Blancke. photos provided

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 (L to R) Messiah and Winnie Allah and Floyd and Robin Myers.

Boomers & Beyond - Westchester August, 2014

PAGE 11

Boomers & Beyond Advice: Choose your advisors carefully Unfortunately, there are unsavory people out there ready to profit and prey on the vulnerable, including senior citizens. The people we love so much, such as grandma and grandpa or mom and dad, have always been a prime target for those looking to exploit someone for financial gain. Even more troubling, the numbers are on the rise. New York has one of the highest numbers of elder financial exploitation in the U.S. Sometimes the perpetrator claims to be a “professional” providing a “service.” The key is determining who is truly qualified and providing the service with honesty and integrity.

Here are some important indicators to put your advisors to the test: References: Can the professional service provider give you names and phone numbers of satisfied clients who will provide a reference? If they don’t have several clients willing to give a positive reference, they may not have the experience or integrity to handle your issues.

Personal Attention: Investments, insurance, and legal documents all require a qualified professional to prepare and review with you, to ensure your unique circumstances are considered. Never give your information to someone you have not consulted in person, preferably at their office. Also, ask if anyone outside of their business will be handling any of your needs.

Some providers may subcontract legal issues to an attorney, and you should be aware of everyone who may access your file.

Complexity: Financial and legal matters are complex and require specific detail. Anyone who offers you a “quick fix” or a “one size fits all” solution is probably not meeting your needs. Be wary of anything that seems too good to be true––it probably is.

Compensation: Make sure you know the full range of compensation to be received by the service provider. Rarely does anyone provide professional advice or assistance for free. If they offer something to you for free, find out how they are really getting paid.

In particular, if the transaction involves the purchase of annuities,

find out who is receiving a commission and the amount they are receiving. Annuities are often

not the right option, but are pushed strongly by someone who is receiving a commission.

Smart ways to make your retirement more cost effective Do you want to be able to retire sooner with less savings?

No, this isn’t a sales pitch.

You can actually pull it off if you are willing to significantly cut your cost of living – and it might be easier than you think.

There are a various ways for retirees to reduce their bills that will have a huge impact on their spending power.

Consider Boomers & Beyond’s ways to cut your monthly costs in retirement:

One of the most common questions we receive from our clients today is “How can I leave something to my heirs without completely exhausting my life insurance policy?” “I want to be able to leave something for my grandchildren’s future or family members.”

These questions demonstrate a family member sincerity of leaving a small legacy for the next generation. The patriarchs of these families have the foresight to help the next generation move ahead financially.

At B & M Capital, Inc., we have incorporated a new loan program for Senior’s that lets them borrow against their life insurance policy.

This new program is called “Advanced Benefit Loan”. An Advanced Benefit Loan enables a senior to borrow money against their life insurance policy without the personal obligation to repay the loan.

How is this possible? The loan is repaid using your policy’s death benefit proceeds and the remainder of the death benefit going to your beneficiaries.

The benefits of this type of loan: 1. You will not be obligated to make a loan payment or incur any out-of-pocket expenses.

2. You will not be required to pay insurance premiums.

3. You do not have to give up ownership of your policy or pledge additional collateral.

4. You do not have to pay income taxes on the loan amount.

Pay off your mortgage Eliminating your mortgage is one of the best ways to make retirement more affordable because it removes a sizable monthly bill.

While you'll still have to pay taxes and maintenance costs for your home, those expenses are likely to be a fraction of your mortgage payments.

Get senior discounts One of the major perks of growing older is getting discounts at movies, museums and restaurants.

While some senior discounts are well-publicized and open to everyone old enough to have an AARP card, others are available only to those who ask. A little research can add up to big savings if you're willing to admit your age.

Sell a vehicle In retirement, you might be able to get by with one car, eliminating the insurance, gas and maintenance costs of the second vehicle.

Avoid retirement penalties There are significant penalties if you withdraw money from your retirement account too soon or too late. There is also a reduction in benefits if you sign up for Social Security early, and a late enrollment penalty if you delay signing up for Medicare Parts B and D. Pay attention to important retirement deadlines to avoid paying more than you need to.

Minimize health care costs Health care is likely to be one of the biggest and least predictable costs you will face in retirement.

But there are some things you can do to control your health costs.

Consider purchasing a supplemental policy to Medicare to fill in some of the gaps and costsharing requirements traditional Medicare doesn’t cover. Also, shop for a new Medicare Part D plan every year to make sure you are getting coverage for your medications at the best price.

By taking an Advanced Benefit Loan, you will have the money you need, to spend on whatever you want, without restrictions. You can use these funds to: 1. Pay your living expenses 2. Pay your medical bills 3. Improve your medical care 4. Give gifts to loved ones and charities 5. Make use of your money today This loan program is designed to assist Senior’s in accessing cash from their existing life insurance policy with no income requirements, no future premium obligations, and no out-ofpocket expenses.

In order to qualify, a Senior must have in-force a life insurance policy. A Senior will never be rejected due to lack of income, poor credit history, or previous bankruptcy.

If you would to apply or have questions, call us today, we can speak with you to access your financial need, review your life insurance policy and determine your eligibility. If you are eligible, you will be asked to complete a loan application and provide requested documentation. Once we complete our review of your policy, we will notify you of approval and the amount of the loan.

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.bnmcaptial.com And LinkedIn

Boomers & Beyond - Westchester August, 2014

PAGE 13

Practical tips for helping the memory impaired eat well 6. If your loved one has trouble chewing or swallowing, consider ground meats, canned fruits, etc.

7. Use glass or clear plastic storage containers with dates written on the side so that you can see exactly what you have and if it’s still safe to eat.

If leftovers are in an opaque container, they are often forgotten and can sit in the fridge for too long, posing a potential health risk. Also, you might be buying the same foods over and over, thinking that you are out stock, when really they are stored inside another container–this can be so frustrating, and expensive to boot.

Memory Boosting Shopping List for Seniors Unless you’re dealing with food allergies or intolerances, it’s best to get as many vitamins as possible from food, because the body absorbs them better. Some of the vitamins and minerals linked to improved memory include vitamins B6, B12, D, C, and E; folate; biotin; coQ10; omega-3 fatty acids; and antioxidants, particularly in the flavonoid family.

Best Memory Boosting Foods for Seniors

Caregivers are licensed & bonded • Home Health Aides • Personal Care Aides • 24 hour Live-In Aides • RNs & LPNs

Although there’s no single must-have food to prevent age-related memory impairment, there are some important dietary tips that can help seniors maintain a healthy memory. According to the Alzheimer’s Association, a brain-healthy diet is much like a heart-healthy diet: it “reduces the risk of heart disease and diabetes, encourages good blood flow to the brain, and is low in fat and cholesterol,” as well as being high in like B vitamins, protein, omega-3s, and antioxidants.

Compassionate, comprehensive & customized services • Medication Management • Escort to and from Appointments • Bathing Services • Companions/Sitters • Grocery Shopping/Errands

Follow these guidelines to make sure your loved one is stocking foods he or she likes, and also getting enough of the foods that he or she needs: 1. Work together with your loved one to make a grocery shopping list 2. Leave fresh fruits and veggies on the table to remind them what foods are available 3. Consider buying individual/small serving sizes to simplify meal preparation and minimize waste 4. If food prep is difficult, buy pre-cut fruits and veggies 5. Fresh fish and meats expire quickly, so frozen meats or frozen wild caught salmon might be a better bet

In order to get enough of these brain boosters, you’ll want to make sure your loved one stocks up on these foods: 1. Vegetables, especially leafy greens like spinach, kale, and turnip greens and cruciferous vegetables like broccoli, have been strongly linked with lower levels of cognitive decline in older age, according to a study in the Annals of Neurology.

2. Salmon and other cold-water fish such as halibut, tuna, mackerel, and sardines are rich in omega-3 fatty acids. Other omega-3 sources include beans, some nuts, flax seeds, and healthy oils like canola oil.

3. Berries and dark-skinned fruits are rich in antioxidants. According to the Alzheimer’s Association, some of the fruits that pack the most punch are blueberries, blackberries, strawberries, raspberries, plums, oranges, red grapes, and cherries.

4. Coffee and chocolate are surprisingly good for you.

Recent studies have shown that caffeine and coffee can be used as therapeutics against Alzheimer’s disease. Cinnamon, olive oil, and curry may also help ward off age-related memory impairment.

24 Hour Emergency On-Call Service Private pay, Medicaid & Most Long Term Care insurance accepted

Serving Westchester County since 1983

914-949-3112 148 Hamilton Ave., White Plains, NY 10601 www.neighborshomecareservices.com

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 August, 2014

PAGE 15

Preparing for long-term care without, gasp, children The statistics are sobering: Twenty percent of baby boomers have no children and one-third of adults will enter old age single (never married, widowed, or divorced). While the overall U.S. divorce rate has declined since 1990, it has doubled for the 50-and-over set.

Now, for some more concerning statistics: • 80% of eldercare is provided at home by family members • The estimated value of family caregivers’ unpaid contributions was around $450 billion in 2009 • In 2008, there were nearly twice as many women without children as in 1976 • Without kids, you’ll need to plan for your future more carefully.

Here are three smart strategies: 1. Face facts Your nephew might adore you, but you can’t count on him.

You should also realize that even if you’re in good health, something could still happen to you (an accident, an illness, or old age).

2. Get everything in order This starts with a will, a living will or other advance directive, a health care proxy, power of attorney and perhaps long-term care insurance. Consult with an elder law attorney and a financial planner. Living longer can mean more end-of-life decisions. So that there’s no guessing, a free

document such as Five Wishes spells out what you want in terms of end-of-life medical care and is a legally recognized advance directive in 42 states. Share it with relatives and friends. While you’re at it, keep all your records, policies, documents, bills, and passwords in one safe place and tell those who need to know.

Figure out what your life is lacking. Is it friends? Interests?

Your housing situation? Are there amenities nearby and specialized transportation for when you can no longer drive? Want to share a home with a friend or relocate?

Research options, including local senior centers, and options Westchester County provides.

3. Create Your Own Family After you retire, day-to-day interaction and relationships may lapse. Have replacements waiting in the wings or figure out how you’re going to make them.

Try church, the community center or get a group to go to dinner every other month and ask friends to bring friends.

Think about who makes up your support system.

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PAGE 16

August, 2014

Boomers & Beyond - Westchester

United Hebrew Celebrates 95th Anniversary Year Established in 1919 in New Rochelle for housing older adults, United Hebrew marks a milestone in a history of service, caring and community.

United Hebrew is celebrating its 95th anniversary year in 2014, having evolved from a modest home for elderly men in New Rochelle in 1919, to a leading comprehensive, multi-service senior living campus caring for more than 800 older adults daily.

“For 95 years we have been a model for meaningful and purposeful aging,” said Michael Rozen, Chair of the United Hebrew Board of Directors. “This celebratory year is an opportunity to honor our legacy of caring for our community and to plan for new initiatives in the future.” United Hebrew recently implemented new programmatic initiatives - a Hospice and Palliative Care Program, a secure Alzheimer’s/Dementia Unit and a Care Management Program.

In addition, United Hebrew recently hosted more than 100 people -- Board members, staff, dignitaries, residents and their families -- for a special anniversary program.

At that event, Rita Mabli, President and CEO of United Hebrew, commented: " The end of our first century of service marks a new beginning…we are growing, bring-

ing compassionate care to more and more people throughout the tri-state area. We thrive, we soar and our possibilities are endless.” The day featured a performance from the IONA College Pipe Band, the unveiling of a quilt of compassion, as well as appearances and speeches by community leaders, including New Rochelle Mayor Noam Bramson and Westchester County Legislator James Maisano, Esq. “Today is not just simple longevity that we celebrate.

More significant is our 95 years of commitment to compassionate care today, tomorrow and in years to come.” said Malcolm Lazarus, Senior Chair of the Board of Directors of United Hebrew. He added that he has seen the organization grow in size yet never outgrow its mission to provide special attention for each resident and employee.

United Hebrew is located at 391 Pelham Road, New Rochelle, New York 10801. For further information, please contact Grace Ferri at 914.632.2804 x1190, e-mail gferri@uhgc.org, or visit www.uhgc.org.

provided

(L to R) Malcolm Lazarus, Senior Chair of the Board of Directors of United Hebrew; New Rochelle Mayor Noam Bramson; Michael Rozen, Chair of the Board of Directors of United Hebrew

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Boomers & Beyond - Westchester August, 2014

PAGE 17

Exercise for Your Heart and Your Well-Being

By Sherrita Bhagan-Bruno, M.D., F.A.C.C., ColumbiaDoctors of the Hudson Valley As we age, we lose muscle mass and strength. This process is accelerated in persons who are not physically active. Physical activity keeps us healthier and living longer, while decreasing the risks of diabetes, heart attacks, strokes, high blood pressure, anxiety, depression, and dementia, to name a few. Any activity is better than none. It is also never too late to become physically active (even at the age of 85). The more active you are, the greater the benefit.

Exercise can be broken down into: 1) aerobic activity, 2) muscle strengthening, 3) flexibility, and 4) balance.

1. Aerobic Activity: A MINIMUM of 30 minutes every day is your goal. Examples of aerobic activity include speed walking, jogging, running, swimming, bicycling or using similar cardio equipment. This does not have to be done all at the same time. For example three 10-minute sessions during the day will provide the same aerobic benefit as a 30-minute session. If you want to lose weight, you will likely need to increase this exercise to 60-90 minutes daily.

Your target heart rate is 85% of your maximum heart rate, which varies by age and is calculated as 220 minus your age.

When beginning an exercise program, aim first for 50% of your maximum heart rate for the first few weeks. By six months into exercising, you should be able to exercise comfortably at 85% of your maximum heart rate. If you are unable to have a full conversation or feel lightheaded, slow down to a lower heart rate. If your heart rate is at 100%, then you are straining -- slow down.

You may not be able to achieve these heart rates if you are on cardiac medications such as beta-blockers. A substitute marker of a good level of exercise is when you notice a moderate increase in your breathing and heart rate.

2. Muscle strengthening: Sessions should be done on two non-consecutive days of the week, approximately 20 minutes each, and target 8-10 major muscle groups. Your goal is 10-15 repetitions of each activity, while gradually increasing the resistance (weight) over time.

3. Flexibility: Stretch twice a week for 10 minutes, ideally after aerobic or strengthening activities when your body is warmed up. Hold each stretch at the point that you feel a good pull (not pain) for 10-30 seconds.

4. Balance: More important for older adults, this includes activities such as tai chi, heel-to-toe walking or standing/ hopping on one foot.

provided

It’s not necessary to get a stress test before beginning an exercise program, although stress testing may be recommended if you have been sedentary and want to begin a rigorous exercise program.

Having said that, it is always better to start an exercise program gradually and intensify as your body adapts to the new demands.

Dr. Bhagan-Bruno is a board-certified cardiologist and imaging expert at ColumbiaDoctors of the Hudson Valley, specializing in the latest techniques in echocardiology and nuclear medicine. She is also an assistant professor of clinical medicine at Columbia University.

Dr. Bhagan-Bruno graduated from the New York University School of Medicine and completed her residency in internal medicine at Weill Cornell Medical Center, and her cardiology fellowship at St. Vincent’s Catholic Medical Center. She holds a B.S. degree in chemistry and biology from St. John’s University.

A helpful website for more information on the above is Go4Life, an exercise and physical activity campaign from from the National Institute on Aging at NIH, found at go4life.niapublications.org/ With offices in Suffern and Monroe, NY, ColumbiaDoctors of the Hudson Valley provides quality cardiovascular and general medical services to residents of the lower Hudson Valley, with a focus on prevention, diagnostic testing, and treatment. ColumbiaDoctors of the Hudson Valley is located at 222 Route 59, Suite 302, Suffern, NY, Phone: 845.368.0100,with offices also at 745 State Route 17M, Suite 203, Monroe, NY, Phone: 845.774.1403. Visit www.ColumbiaDoctorsHudsonValley.com for more information.

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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

PAGE 18

Baby Boomer myths debunked!

As the largest generation, Baby Boomers are the largest generation in American history.

There are about 80 million Bommers in the country. Many common ideas about Baby Boomers are based more on myth than actual facts. Here are Baby Boomer myths that deserved to be proven wrong.

Baby Boomers are set in their ways.

Not true at all.

As Baby Boomers have grown up with a changing world, they have learned how to adapt and find new ways to shape our society. Today, most Boomers embrace new technology, such as smart phones and the internet, and are open to new experiences.

Most Baby Boomers retire to a life of leisure.

Yeah, right.

Despite reaching retirement age, many Baby Boomers keep working for as long as possible either because they enjoy their careers or because they need the continued income. Even those who do retire from their main careers often find part-time jobs, work as volunteers or even start their own businesses.

All Baby Boomers are married with grown kids.

The picture/stereotype of typical Baby Boomers often features an older couple who has raised their family and now has an empty nest. However, a large percentage of Baby Boomers are single. Some of these singles are divorced or widowed, but many have never been married.

August, 2014

Boomers & Beyond - Westchester

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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.

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Boomers & Beyond - Westchester August, 2014

PAGE 19

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PAGE 20

August, 2014

Boomers & Beyond - Westchester

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