ECRG 2018-2019 final

Elder Care

AUTUMN 2018 / SPRING 2019

RESOURCE GUIDE CELEBRATING OUR 20TH ANNUAL EDITION

Published annually by the

fiftyplus advocate

Main Sponsor:

Associate Sponsors: Bringing LIFE to those we serve

OASIS

Covering over 135 communities in Eastern and Central Massachusetts!

Associate Sponsors:

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2018 ~ 2019

Got one or both of these cards?

GET MORE. Get more benefits than you’re currently getting from Original Medicare and MassHealth with the UnitedHealthcare® Senior Care Options (HMO SNP) plan. It combines your doctor, hospital and prescription drug coverage into one plan — for a $0 plan premium.* Additional benefits include: Health Product Credits: Receive up to $320 in credits per calendar year to buy health products you may need.

Gym Membership: Access to participating fitness centers through SilverSneakers® at no cost.

Dental Coverage: $0 copay for fillings, dentures, implants and more.

Prescription Drugs: $0 copay for all prescribed medications.

Call today to enroll or get answers to your questions.

1-855-277-4716, TTY 711 8 a.m. – 8 p.m. local time, 7 days a week

UHCCommunityPlan.com/MA UnitedHealthcare SCO is a Coordinated Care plan with a Medicare contract and a contract with the Commonwealth of Massachusetts Medicaid program. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

This plan is a voluntary program that is available to anyone 65 and older who qualifies for MassHealth Standard and Original Medicare. If you have MassHealth Standard, but you do not qualify for Original Medicare, you may still be eligible to enroll in our MassHealth Senior Care Option plan and receive all of your MassHealth benefits through our SCO program. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits may change on January 1 of each year. *You must continue to pay your Medicare Part B premium, if not otherwise paid for under Medicaid or by another third party. Premiums, copays, coinsurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details. Enrollees have no out of pocket costs. UnitedHealthcare does not discriminate on the basis of race, color, national origin, sex, age or disability in health programs and actvities.

We provide free services to help you communicate with us. Such as, letters in other languages or large print. Or, you can ask for an interpreter.

To ask for help, please call the toll-free member phone number listed on your health plan member ID card, TTY 711, daily 8:00 a.m. to 8:00 p.m.

ATENCIÓN: Si habla español, hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al número de teléfono gratuito para miembros que aparece en la tarjeta de ID. ANTENÇÃO: Se você fala português, contate o serviço de assistência de idiomas gratuito. Ligue para o número de telefone gratuito para membros do seu cartão de ID. Consult a health care professional before beginning any exercise program. Availability of the SilverSneakers program varies by plan/market. Refer to your Evidence of Coverage for more details. Tivity Health and SilverSneakers are registered trademarks or trademarks of Tivity Health, Inc., and/or its subsidiaries and/or affiliates in the USA and/or other countries. © 2017 Tivity Health, Inc. All rights reserved.

H2226_171016_105317 Accepted UHCSCO_171016_105317 CST16989_H2226-001

2018 ~ 2019

YOU’VE GOT A LOT OF REASONS TO STAY HEALTHY...WE’LL HELP YOU STAY THAT WAY! At UMass Memorial, we understand that seniors may often need specialized care.

Look no further than the hospitals of UMass Memorial Health Care. We provide you with the latest treatments and procedures to help live life to the fullest – every single day!

From geriatric services to expert care in Cancer, Diabetes, Heart and Vascular, Orthopedic and Surgical care, we are here for you in the communities where you live.

The hospitals of UMass Memorial Health Care contract with many health insurance plans throughout the region. Always check with your insurer to learn if our doctors and hospitals participate in your plan.

Find your physician by calling 855-UMASS-MD (855-862-7763) umassmemorialhealthcare.org

UMass Memorial - Community Healthlink | UMass Memorial HealthAlliance-Clinton Hospital UMass Memorial - Marlborough Hospital | UMass Memorial Medical Center UMass Memorial Medical Group

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2018 ~ 2019

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Inside this issue 12-49 Elder Care Resource Listings 46 What is the difference between dementia and Alzheimer’s?

By Micha Shalev MHA CDP CDCM CADDCT, Dodge Park/Oasis

52 Reverse mortgages: Get the facts Alain Valles, CRMP, Helping Hands Community Partners

Category Index Adult Day Care ......................................12 Advocacy ............................................12 Aging Service Access Points ................12 Alzheimer’s Care ..................................15 see also-Home Care ....................... 33 see also-Housing - Assisted Living 34 see also-Nursing Homes ................. 42 Ambulances .........................................17 Assisted Living see-Housing - Assisted Living ......... 34 Attorneys, Elder Law ............................17 Banks .................................................17 Community Services ...........................17 Consumer Protection ...........................17 Councils on Aging & Senior Centers......18 Counseling Services..............................17 Cremation Services...............................25 Disabled Services, Support...................25 Downsizing Services............................26 Driver Safety.........................................27 Education / Employment Training............27 Elder Abuse..........................................29 Elder Services.......................................29 Family Caregiver Support......................29

Family Support Services.......................31 Financial Assistance..............................31 Financial Management...........................31 Fuel / Energy Assistance........................32 Funeral Homes......................................32 Geriatric Care Managers.........................32 Health Care Services..............................32 Health Maintenance Organizations.........32 Hearing Aids.........................................33 Home Car e............................................33 Home Medical Equipment.....................34 Home Repair Services...........................34 Hospice Care........................................34 Hospitals.............................................34 Housing, Assisted Living.......................34 Housing Authorities...............................35 Housing,Independent Living..................38 Housing Information & Referral..............38 Housing, Retirement Communities.........39 Housing, Subsidized Elderly....................39 Information & Referral Services..............40 Insurance and Financial Assistance.......40 Legal Assistance...................................40

RESOURCE GUIDE 2018/2019

Marketing to Seniors & Caregivers.........41 Medical Equipment ...............................41 Medical Laboratory Testing Services ....41 Memory Care .......................................41 Mental Health........................................42 Nursing Homes.....................................42 Nutrition...............................................43 Oxygen ................................................43 Pension Plan Assistance........................44 Prescription Drug Assistance.................44 Real Estate Services.............................44 Rehabilitation Hospitals.........................44 Rehabilitation & Skilled Nursing.............44 Rest Homes..........................................45 Reverse Mortgages...............................45 Senior Care Options (SCO) Health Insurance...................................45 Transportation......................................45 Veterans..............................................49

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Honoring Our Heroes Veterans receive affordable health care at their local VA

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Did you know VA has 20 clinics and hospitals in Massachusetts?

At these convenient locations VA offers the most comprehensive health care options that a Veteran could ask for.

$0

Did you know VA has no fees, premiums, or deductibles?

Enroll today and take advantage of the benefits you earned such as prescription benefits, hearing aids, glasses, and much more.

1-844-VA-CARES (822-2737) www.newengland.va.gov/50plus

2018 ~ 2019

Your Loved Ones

Deserve the Best Worcester’s Premier Senior Residential Care Facility

The Oasis at Dodge Park is more affordable than you think and provides a higher level of care than traditional assisted living.

• Safe, secure, state-of-the-art facility • Personalized wellness plans with medication management • 24 hour RN & Medical Director • Scratch-made meals • Assistance with dressing, bathing & grooming

(508) 853-8180 • OasisAtDodgePark.com

• Alzheimer’s & Dementia Care • Beauty salon, spa, library • Residency rates never go up • Fully licensed by the State of Massachusetts • Private rooms available • Daily activities programs

Schedule a no-obligation tourr and receive our FREE book

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The Center for Skilled Nursing and Rehabilitation at Athol Hospital:

Quality rehabilitation, comprehensive hospital care After surgery, a stroke or extended illness, additional skilled nursing and rehabilitation can offer the post-acute care, support and recovery time that makes the difference for your continued quality of life, activity and independence when you return home. At the Center for Skilled Nursing and Rehabilitation at Athol Hospital, we offer patients a full array of nursing and rehabilitative care, along with immediate access to vital hospital services not available at long-term care, rehab facilities and nursing homes.

Quality skilled nursing and rehab care with the confidence of a hospital setting is just moments from home, at the Center for Skilled Nursing and Rehabilitation at Athol Hospital.

For more information visit www.atholhospital.org or call 978-249-1181

ONSITE SERVICES INCLUDE: • Recovery from stroke, orthopedic surgery or extended illness • 24/7 Access to Hospital Services including emergency services, skilled nurses, physicians, and respiratory therapy • Physical therapy, occupational therapy, speech therapy • Laboratory services, radiology services, including X-rays, CT-scans and MRIs • On-site consultations with specialists in cardiology, orthopedics, oncology and surgery • Wound care services

2018 ~ 2019

Putting the life in Senior Living.

Live a vibrant, engaging life at this beautiful community in the heart of Shrewsbury.

Independent, Assisted Living & Memory Care Living

258 Walnut Street Shrewsbury, MA 508-502-7914

www.residenceorchardgrove.com

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Several stunning locationsall under one Management roof...

Congregational Retirement Homes t &GmDJFODJFT #3 "QBSUNFOUT t *OEFQFOEFOU -JWJOH t 4FSFOF $PVOUSZTJEF 4FUUJOH t 7JCSBOU 4PDJBM $PNNVOJUZ t #FBVUJGVMMZ -BOETDBQFE (SPVOET t $POWFOJFOUMZ -PDBUFE /FBS t %PXOUPXO .FMSPTF t 4FOJPS $FOUFS t #VT 4UPQ t $PNNVUFS 3BJM t 0OTJUF 3FTJEFOU $PPSEJOBUPS

Irving Square Apartments t #3 #3 "QBSUNFOUT t )FBU *ODMVEFE t 1SJWBUF 1BSL t %PXOUPXO 'SBNJOHIBN t 8BMM UP 8BMM $BSQFUJOH t $POWFOJFOUMZ -PDBUFE /FBS t $PNNVUFS 3BJM t #VT 4UPQ t 3FTUBVSBOUT t .FEJDBM $FOUFST

75 Irving Street, Framingham, MA

508-875-4400

irvingsquare@peabodyproperties.com

200 West Foster Street, Melrose, MA

781-665-6334

crh1@peabodyproperties.com 5IF $POHSFHBUJPOBM 3FUJSFNFOU )PNFT *OD JT B QSJWBUF OPO QSPmU PSHBOJ[BUJPO GVOEFE CZ UIF %FQBSUNFOU PG )PVTJOH BOE 6SCBO %FWFMPQNFOU

Framingham Green t 4UVEJPT #3 "QBSUNFOUT t )FBU )PU 8BUFS *ODMVEFE t "DSFT PG -BOETDBQFE (SPVOET BOE (BSEFOT t $POWFOJFOUMZ -PDBUFE /FBS t %PXOUPXO t 3FTUBVSBOUT t $IVSDIFT t .FEJDBM $FOUFST t 4NBMM 1FUT 8FMDPNF t 'SFF 1BSLJOH t *OUFSDPN &NFSHFODZ 4JHOBM 4ZTUFN t 0OTJUF 3FTJEFOU $PPSEJOBUPS 136 Maynard Road Framingham, MA

508-872-0500 framingham@peabodyproperties.com

Our communities offer professional management, 24-hour maintenance, on-site laundry facilities, community room and a wide range of resident events and activities. Visit our website at www.peabodyproperties.com or call 781-794-1000 for additional housing options. *Communities are for those 62 years+, handicap or disabled person 18 years+. Income limits apply.

Rents and income limits based on HUD schedule and subject to change. Please inquire in advance for reasonable accommodations. Information contained herein subject to change without notice.

536 Granite Street, Braintree, MA 02184 781-794-1000 | www.peabodyproperties.com

2018 ~ 2019

Over the years I’ve completed many real estate transactions, and along the way I’ve discovered that those involving seniors are special.

I’ve learned to listen carefully and compassionately to the needs and desires of seniors who are considering a life-changing move, because I’ve found that it’s key to helping them make the right choices.

Sell Mom’s House was born to serve the unique needs of seniors. Life changes and so does the purpose and function of a home.

Seniors love our services because we don’t just sell a house. We simplify a complex process by applying the knowledge gained in helping hundreds of seniors deal with a lifetime of possessions, find a new place to live, and start the next chapter of their lives. Let us create a customized plan to help you transition to the lifestyle you’ve imagined.

David J. Dowd - The Realtor Seniors Trust CALL 508-691-0080 NOW • Discover what your home is worth • Get a FREE Downsizing Guide (by mail)

Our Proven 3-STEP Process:

1.

2.

3.

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• Reserve a seat at our next seminar:

Downsizing & Selling: from Daunting to DONE!

SIMPLIFY We help you deal with a lifetime of possessions. Call for our Free Downsizing Guide.

We manage your downsizing for free.

SELL No one markets better than Sell Mom’s House & Keller Williams Realty. Fast results for homes in any condition.

MOVE & ENJOY LIFE Relax & enjoy life more in your new, simplified setting. Make these years the best years of your life!

508-691-0080 or email: info@sellmomshouse.com

Each KW office is independently owned and operated 508-877-6500

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Massachusetts Resources 2018-2019 ADULT DAY CARE Adult Day Club at Dodge Park 101 Randolph Road, Worcester 508-853-8180; www.dodgepark.com Ad on page 48 Bellingham Council on Aging 40 Blackstone St., Bellingham 508-657-2705 www.bellinghamma.org/Pages/ BellinghamMA_SeniorServices/index Catholic Charities Worcester County 10 Hammond St., Worcester 508-798-0191; www.ccworc.org Community VNA for Norwood Adult Day Care 10 Emory St., Attleboro 800-220-0110 www.communityvna.com Ad on page 33 SALMON Adult Day Health, Natick Three Vision Drive, Route 9 West, Natick 508-655-9767; www.SalmonHealth.com Ad on page 51 SALMON Adult Day Health, Northbridge 65 Beaumont Drive, P.O. Box 940, Northbridge 508-234-6481; www.SalmonHealth.com Ad on page 51 Worcester Adult Day Care Center 81 Lafayette Suite 3 and 4, Worcester 508-831-7500 Ad on page 13

ADVOCACY AARP Massachusetts 1 Beacon St., Suite 2301, Boston 866-448-3621; http://states.aarp.org/ region/massachusetts The state office of AARP, a national

organization, providing local information, advocacy and community service

Boston Ctr. for Independent Living 60 Temple Place, Suite 5, Boston 617-338-6665; www.bostoncil.org Works to promote the civil rights of all people with disabilities and responds with programs and services

Health Care for All One Federal St., Boston 617-350-7279; www.hcfama.org Seeks to create a consumer-centered healthcare system that provides comprehensive, affordable, accessible, culturally competent, high quality care and consumer education for everyone, especially the most vulnerable

Massachusetts Association of Older Americans 19 Temple Place, 4th Floor, Boston 617-426-0804; www.maoamass.org Committed to preserving the dignity, quality of life, economic standing and health of the older people of Massachusetts, their families and future generations

MASSPIRG (Massachusetts Public Interest Research Group) 294 Washington St., Suite 500, Boston 617-292-4800; www.masspirg.org An advocate for the public interest.

Mass Pro 245 Winter St., Suite 300, Waltham 800-890-0011 Develops and disseminates innovative solutions that transform patient care by improving its safety, effectiveness, and efficiency. Provides health care information on topics such as home care, hospitalization, nursing care, hospitals and doctors

MA Senior Action Council 150 Mount Vernon St., 2nd floor, Dorchester; 617-284-1234 www.masssenioraction.org

Greater Boston Legal Services 197 Friend St., Boston 800-323-3205; www.gbls.org Answers queries and provides free advice and legal representation to clients.

Multi-Cultural Independent Living Center of Boston, Inc. 329 Center Street, Jamaica Plain 617-942-8060; www.milcb.org Promotes self-pride, independent decisionmaking, self-determination, equal access and self-help

Fletcher Tilton PC, Attorneys at Law 370 Main St., 12th floor, Worcester 508-459-8000; Fletchertilton.com Ad on page 15

AGING SERVICE ACCESS POINTS State’s nonprofit Network/Aging Service Access points allow individuals to live independently at home. They offer supportive social services, information and referral, case management, personal care, homemaking, transportation, chores, shopping, laundry, personal care, friendly visitors, congregate and home-delivered meals, home health, social day care, respite, protective services and crisis intervention. Local Sites:

Baypath Elder Services, Inc. 33 Boston Post Road West, Marlborough 01752; 508-573-7200;www.baypath.org Serves Ashland, Dover, Framingham, Holliston, Hopkinton, Hudson, Marlborough, Natick, Northborough, Sherborn, Southborough, Sudbury, Wayland, Westborough

Boston Senior Home Care Lincoln Plaza, 89 South St., Suite 501, Boston; 617-451-6400 www.BostonSeniorHomeCare.org/

Committed to empowering seniors and others to act collectively to promote the rights and well-being of all people, particularly vulnerable seniors

Bristol Elder Services, Inc. 182 N. Main St., Fall River 800-427-2101 www.bristolelder.info

Medicare Advocacy Project -

Serves Attleboro, Berkley, Dighton, Fall River, Freetown, Mansfield, N. Attleboro,

CONTINUED PAGE 13

2018 ~ 2019

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CONTINUED FROM PAGE 12 Norton, Raynham, Rehoboth, Seekonk, Somerset, Swansea, Taunton

Central Mass. Agency on Aging, Inc. 360 W. Boylston St., W. Boylston 800-244-3032; www.seniorconnection.org Serves Ashburnham, Ashby, Auburn, Ayer, Barre, Bellingham, Berlin, Blackstone, Bolton, Boylston, Brookfield, Charlton, Clinton, Douglas, Dudley, E. Brookfield, Fitchburg, Franklin, Gardner, Grafton, Groton, Hardwick, Holden, Hopedale, Hubbardston, Lancaster, Leicester, Leominster, Lunenburg, Medway, Mendon, Milford, Millbury, Millville, New Braintree, N. Brookfield, Northbridge, Oakham, Oxford, Paxton, Pepperell, Princeton, Rutland, Shirley, Shrewsbury, Southbridge, Spencer, Sterling, Sturbridge, Sutton, Templeton, Townsend, Upton, Uxbridge, Warren, Webster, W. Brookfield, W. Boylston, Westminster, Winchendon, Worcester

Coastline Elderly Services, Inc. 1646 Purchase St., New Bedford 508-999-6400; www.coastlineelderly.org Serves Acushnet, Bridgewater, Dartmouth,

Fairhaven, Gosnold, Marion, Mattapoisett, New Bedford, Rochester Bridgewater, Whitman

ETHOS 555 Amory St., Jamaica Plain 617-522-6700; www.ethocare.org

Commission on Affairs of the Elderly One City Hall Square, #271B, Boston 617-635-4366; www.cityofboston.gov/ elderly; Serves Boston

Serves Hyde Park, S. Jamaica Plain, Roslindale, W. Roxbury and W. Mattapan

Community Choices Program 800-AGEINFO, ext. 1; www.ageinfo.com Provides MassHealth-eligible elders at imminent risk of nursing home placement with increased home care services such as personal care, home health assistance, transportation services

Elder Services of Merrimack Valley, Inc. Riverwalk, Building 5; 360 Merrimack St., Lawrence ; 978-683-7747 800-892-0890; www.esmv.org Serves Amesbury, Andover, Billerica, Boxford, Chelmsford, Dracut, Dunstable, Georgetown, Groveland, Haverhill, Lawrence, Lowell, Merrimack, Methuen, Newbury, Newburyport, N. Andover, Rowley, Salisbury, Tewksbury, Tyngsborough, W. Newbury, Westford

Goddard House provides gracious senior living in our studio, one, and two bedroom apartments in a historic home in Worcester. Residents of the Goddard House enjoy three chef prepared meals daily in our restaurant style dining room, trips to Mechanics Hall, restaurants, museums, and other locations, availability RI VWDÎ? KRXUV DQG HPHUJHQF\ FDOO system in each apartment.

Homestead Hall provides personal care, medication management, and social programs in a residential homelike environment. All rooms are private with SULYDWH HQ VXLWH KDOI EDWKV 6HW RQ RYHU an acre of land in a secluded, private, residential setting in the heart of Worcester.

HESSCO Elder Services One Merchant St., Sharon 781-784-4944; 800-462-5221 www.hessco.org; Serves Canton, Dedham, Foxborough, Medfield, Millis, Norfolk, Norwood, Plainville, Sharon, Walpole, Westwood, Wrentham

Lifepath (formerly Franklin County Home Care) 330 Montague City Road, Turners Falls 413-773-5555; www.lifepathma.org Serves Athol, Petersham, Phillipston and Royalston

Minuteman Home Care 26 Crosby Drive, Bedford 781-272-7177 www.Minutemansenior.org CONTINUED PAGE 15

Worcester Adult Day Care Center REHABILITATION, SOCIAL & PERSONAL CARE SERVICES RECREATION, NURSING CARE At WORCESTER ADULT DAY CARE CENTER our goals will focus on enriching the participants’ lives, building upon their skills, knowledge, and unique abilities and strengths.

Adult day care centers offer an alternative for disabled senior adults who cannot be left alone during the day, but do not need 24 hour nursing care.

For more information or a tour contact us at: Please contact Tracey King at (508) 868-0967 for a private tour and information regarding options and pricing Worcester, MA www.goddardhomestead.org

Worcester (508) 831-7500 Worcesteradultdaycare.com 81 Lafayette Street - Suites 3&4 Some Insurances Accepted - Transportation Available

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EŽƚƌĞ ĂŵĞ ,ĞĂůƚŚ ĂƌĞ ƉƌŽǀŝĚĞƐ ĞdžĐĞƉƟŽŶĂů ĐĂƌĞ 1 ĂŶĚ ƐĞƌǀŝĐĞ ŝŶ ŽƵƌ ǁĞůĐŽŵŝŶŐ ƐĞƫŶŐƐ Žƌ ǁŚĞƌĞǀĞƌ LJŽƵ ĐĂůů ŚŽŵĞ͘ tĞ ŚĞůƉ LJŽƵ ĂŶĚ LJŽƵƌ ĨĂŵŝůLJ ĂĐŚŝĞǀĞ ƚŚĞ ƉĞĂĐĞ ŽĨ ŵŝŶĚ LJŽƵ ŶĞĞĚ ĂŶĚ ĚĞƐĞƌǀĞ͘

NOTRE DAME HEALTH CARE

ASSISTED LIVING RESIDENCE EDUCATIONAL TRAINING CENTER LICENSED HOSPICE PROVIDER PEDIATRIC PALLIATIVE CARE POST-ACUTE RECUPERATION SHORT TERM REHABILITATION SKILLED NURSING FACILITY

tĞ ŽīĞƌ ĞdžƉĞƌƟƐĞ ŝŶ ĞůĚĞƌ ĐĂƌĞ͕ ŵĞŵŽƌLJ ƐƵƉƉŽƌƚ͕ ƌĞŚĂďŝůŝƚĂƟŽŶ͕ ĂŶĚ ĞŶĚͲŽĨͲůŝĨĞ ĐĂƌĞ͕ ĂůŽŶŐ ǁŝƚŚ Ă ƐƚƌŽŶŐ ĐŽŵŵŝƚŵĞŶƚ ƚŽ ƚŚĞ ƉƌŝŶĐŝƉůĞƐ ŽĨ ŚŽůŝƐƟĐ ŚĞĂůƚŚ͕ ŚĞůƉŝŶŐ LJŽƵ ƚŽ ŵĂŝŶƚĂŝŶ ƐŽĐŝĂů͕ ƉŚLJƐŝĐĂů͕ ŝŶƚĞůůĞĐƚƵĂů͕ ĞŵŽƟŽŶĂů͕ ĂŶĚ ƐƉŝƌŝƚƵĂů ǁĞůůͲďĞŝŶŐ͘ tĞ ĂƐƐŝƐƚ LJŽƵ ƚŽ ĂĐŚŝĞǀĞ LJŽƵƌ ŽǁŶ ďĞƐƚ ĚĞĮŶŝƟŽŶ ŽĨ ǁĞůůŶĞƐƐ ƚŚƌŽƵŐŚ ƉĞƌƐŽŶĂůŝnjĞĚ ĐĂƌĞ ƉůĂŶƐ͕ Ăƌƚ ĂŶĚ ŵƵƐŝĐ ƚŚĞƌĂƉLJ͕ ĚĂŝůLJ DĂƐƐ͕ ŝŶĚŝǀŝĚƵĂůŝnjĞĚ ƉĂƐƚŽƌĂů ĐĂƌĞ͕ ĂŶĚ ĞŶũŽLJŵĞŶƚ ŽĨ ŶĂƚƵƌĞ͘

WůĞĂƐĞ ƌĞĂĐŚ ŽƵƚ ŝĨ ǁĞ ĐĂŶ ĞǀĞƌ ďĞ ŽĨ ƐĞƌǀŝĐĞ͘ Ăůů ƵƐ Ăƚ ϱϬϴͲϴϱϮͲϱϴϬϬ ĨŽƌ ŝŶĨŽƌŵĂƟŽŶ Žƌ Ă ƉĞƌƐŽŶĂů ƚŽƵƌ͘

555-559 Plantation St., Worcester, MA

www.notredamehealthcare.org (508) 852-5800

embracing x enhancing x enriching x empowering

Free at Last! e f i Live L With one of our Rechargable/ Portable Oxygen Concentrators

• Stationary, portable, or travel use • NO oxygen refills NO heavy tanks • Travels easily in a pack or on wheels • Needs only minor maintenance

The Inogen One G4 delivers the independence of a portable oxygen concentrator in one of the smallest, lightest, and quietest packages available to the oxygen user today. FAA friendly!

83 Morse Street, Norwood

917-793-9609 www.oxygenshoppe.com authorized Inogen dealers

email us at: info@oxygenshoppe.com

Maximum freedom. Minimum price. Satisfaction guaranteed.

2018 ~ 2019

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CONTINUED FROM PAGE 13 Serves Acton, Arlington, Bedford, Boxborough, Burlington, Carlisle, Concord, Harvard, Lexington, Lincoln, Littleton, Maynard, Stow, Wilmington, Winchester, Woburn

Montachusett Home Care Corporation 680 Mechanic St., Leominster www.montachusetthomecare.org Serves Ashburnham, Ashby, Ayer, Berlin, Bolton, Clinton, Fitchburg, Gardner, Groton, Hubbardston, Lancaster, Leominster, Lunenburg, Pepperell, Princeton, Shirley, Sterling, Templeton, Townsend, Westminster, Winchendon

Mystic Valley Elder Services, Inc. 300 Commercial St., Suite 19, Malden 781-324-7705; www.mves.org Serves Everett, Malden, Medford, Melrose, N. Reading, Reading, Stoneham and Wakefield

Old Colony Elderly Services, Inc. 144 Main St., Brockton; 508-584-1561; 800-242-0246; www.ocesma.org Serves

Abington,

Avon,

Bridgewater,

Brockton, Carver, Duxbury, E. Bridgewater, Easton, Halifax, Hanover, Hanson, Kingston, Lakeville, Marshfield, Middleborough, Pembroke, Plymouth, Plympton, Rockland, Stoughton, Wareham, W. Bridgewater, Whitman

Somerville/Cambridge Elder Services, Inc. 61 Medford St., Somerville 617-628-2601; eldercare.org

PACE Mass. Health/Medicaid Customer Service Center 800-841-2900; www.medicare.gov

Tri-Valley, Inc. 10 Mill St., Dudley 508-949-6640; www.trivalleyinc.org

Senior Care Options Program Mass. Health Customer Service Center 888-885-0484; www.mass.gov Springwell, Inc. 307 Waverly Oaks Road, Suite 205, Waltham 617-926-4100 www.springwell.com Serves Belmont, Brookline, Needham, Newton, Waltham, Watertown, Wellesley, Weston

Serves Cambridge, Somerville

Serves Bellingham, Blackstone, Brookfield, Charlton, Douglas, Dudley, E. Brookfield, Franklin, Hopedale, Medway, Mendon, Milford, Millville, Northbridge, Oxford, Southbridge, Spencer, Sturbridge, Sutton, Upton, Uxbridge, Warren, Webster, W. Brookfield

ALZHEIMER’S CARE Oasis at Dodge Park 102 Randolph Rd., Worcester 508-853-8180 www.oasisatdodgepark.com Ad on page 7 CONTINUED PAGE 17

A Commitment That Lasts a Lifetime Lifetime Our experienced exp and compassionate team of Elder Law attorneys with six offices in Massachusetts and Rhode Island, will provide sound legal le and practical guidance for you and your family regarding • Long-term care asset planning • Care management and advocacy • Financing care at home • Crisis planning • Complex Medicaid applications • Medicaid appeals To sched schedule a private consultation, or to arrange a complimentary presentation to your group of 20 or more, please call 508.459.8082. presenta

WORCESTER | FRAMINGHAM | MEDFIELD | CAPE COD | PROVIDENCE

508.459.8000 | FletcherTilton.com

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2018 ~ 2019

FIVE REASONS TO CALL US...

COLONY RETIREMENT HOMES I & II 485 Grove Street • Worcester, MA • (508) 852-5285

COLONY RETIREMENT HOMES III 101 Chadwick Street • Worcester, MA • (508) 755-0444

COLONY RETIREMENT HOMES IV 123 Holden Street • Worcester, MA • (508) 853-2211

COLONY RETIREMENT HOMES OF HOLDEN 68 Reservoir Street • Holden, MA • (508) 829-4300

Colony Retirement Homes offers Five Exciting Choices in Retirement Living.

Come visit our studios, 1 bedroom or 2 bedroom units, you’ll be glad you did.

AMENITIES INCLUDE (depending on location): • Attractive well lit landscaped grounds • Wall to wall carpeting • Private patio or balcony • Laundry facilities • All utilities included in rent except telephone and cable

• Resident computer, with FREE access to the internet (classes also available) • Off season storage • 24 hour maintenance • “Home cooked” meals served daily • TV cable ready units

• Green house / gardening • Art and crafts room • Small pets welcome • Attractive community rooms for residents and family functions • Library

Colony Retirement Homes, INC. OF

Not for Profit Corporation Our equal opportunity housing is subsidized through the Department of Housing and Urban Development. For more information call or stop by.

SE RVICE!

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AMBULANCES K's Ambulance 94 Main St., Oxford 508-987-2254 www.kambulance.com Ad on page 18

ATTORNEYS, ELDER LAW Durbin and Veglia Attorneys at Law 275R Main St., Oxford 508-987-3981; 508-987-3982 www.durbinandveglia.com Ad on Page 19 Fletcher Tilton PC, Attorneys at Law 370 Main St., 12th floor, Worcester 508-459-8000; Fletchertilton.com Ad on page 15

BANKS Bay State Savings Bank 28 Franklin St., Worcester 508-890-9000; www. baystatesavingsbank.com Ad on page 4 Central One Federal Credit Union 714 Main St., Shrewsbury 800-527-1017; www.centralfcu.com Ad on page 18

COMMUNITY SERVICES Plantation Towers 501 Plantation St., Worcester 508-752-6800 Ad on page 28

CONSUMER PROTECTION Assisted Living Ombudsman 800-AGE-INFO; www.800ageinfo.com Advocates for resident rights

Community Care Ombudsman/ Long-term Care Ombudsman Massachusetts Executive Office of Elder Affairs One Ashburton Place, Room 517, Boston 617-727-7750, 800-AGE-INFO Assists and counsels seniors and caregivers with in-home care service problems, complaints

Regional offices: Baypath Elder Services, Inc. 33 Boston Post Road, West Marlborough 508-573-7200; www.baypath.org Serves Ashland, Dover, Framingham, Holliston, Hopkinton, Hudson, Marlborough, Natick, Northborough, Sherborn, Southborough, Sudbury, Wayland, Westborough

Central Mass. Area Agency on Aging 360 W. Boylston St., W. Boylston 508-852-5539; www.seniorconnection.org Serves: Ashburnham, Ashby, Auburn, Ayer, Barre, Bellingham, Berlin, Blackstone, Bolton, Boylston, Brookfield, Charlton, Clinton, Douglas, Dudley, East Brookfield, Fitchburg, Franklin, Gardner, Grafton, Groton, Hardwick, Holden, Hopedale, Hubbardston, Lancaster, Leicester, Leominster, Lunenburg, Medway, Mendon, Milford, Millbury, Millville, New Braintree, Northbridge, North Brookfield, Oakham, Oxford, Paxton, Pepperell, Princeton, Rutland, Shirley, Shrewsbury, Southbridge, Spencer, Sterling, Sturbridge, Sutton, Templeton, Townsend, Upton, Uxbridge, Warren, Webster, West Boylston, West Brookfield, Westminster, Winchendon, Worcester

Elder Services of Merrimack Valley Nursing home Ombudsman program 280 Merrimack St., Suite 400, Lawrence 978-683-7747; www.esmv.org Minuteman Senior Services 26 Crosby Drive, Bedford; 781-272-7177; www.minutemansenior.com

Serves Acton, Arlington, Bedford, Boxborough, Burlington, Carlisle, Concord, Harvard, Lexington, Lincoln, Littleton, Maynard, Stow, Wilmington, Winchester, Woburn

Montachusett Home Care Corp.

680 Mechanic St., Leominster 800-734-7312; 978-537-7411 www.montachusetthomecare.com Serves Ashburnham, Ashby, Ayer, Berlin, Bolton, Clinton, Fitchburg, Gardner, Groton, Hubbardston, Lancaster, Leominster, Lunenburg, Pepperell, Princeton, Shirley, Sterling, Templeton, Townsend, Westminster, Winchendon

Mystic Valley Elder Services, Inc. 300 Commercial St., Suite 19, Malden 781-324-7705; www.mves.org Serves Chelsea, Everett, Malden, Medford, Melrose, N. Reading, Reading, Revere, Stoneham, Wakefield, Winthrop

Tri-Valley, Inc. 10 Mill St., Dudley 508-949-6640, 800-286-6640 www.trivalleyinc.com Serves Bellingham, Blackstone, Brookfield, Charlton, Douglas, Dudley, E. Brookfield, Franklin, Hopedale, Medway, Mendon, Milford, Millville, Northbridge, N. Brookfield, Oxford, Southbridge, Spencer, Sturbridge, Sutton, Upton, Uxbridge, Warren, Webster, W. Brookfield

COUNSELING SERVICES Advocates 1881 Worcester Road, Framingham 508-628-6300 www.advocates.org Ad on page 4 Elder Services of Worcester Area, Inc. 67 Millbrook St., #100, Worcester 508-756-1545; www.eswa.org Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester

Ad on page 26 CONTINUED PAGE 18

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COUNCILS ON AGING AND SENIOR CENTERS Abington Council on Aging 441 Sumner St., Abington 781-982-2145; www.abingtonma.gov/ council-on-aging Acton Council on Aging Senior Center, 50 Audubon Drive, Acton 978-929-6652; www.actoncoa.com Ashland Council on Aging (Elder Services) 162 West Union St., Ashland 508-881-0140; www.ashlandmass. com/172/Elder-Services

978-827-5000; www.ashburnham-ma. gov/pages/ashburnhamma_coa/index

Athol Council on Aging 82 Freedom St., Athol 978-249-8986; www.athol-ma.gov/ council-on-aging Attleboro Council on Aging 25 S. Main St., Attleboro 774-203-1900 www.cityofattleboro.us/coa/ Auburn Council on Aging Senior Center, 4 Goddard Drive, Auburn 508-832-7799; www.town.auburn.ma.us/ Pages/AuburnMA_CoA/index Avon Council on Aging 65 E. Main St., Avon 508-559-0060; www.avon-ma.gov/ council-on-aging

Ashburnham Council on Aging 32 Main Street, Ashburnham

Ayer Council on Aging

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Town Hall, 1 Main St., Ayer 978-772-8260; www.ayer.ma.us/councilaging

Barre Council on Aging 557 South Barre Road, Barre 978-355-5004 www.townofbarre.com/departments/ departments-a-m/council-on-aging Bedford Council on Aging 10 Mudge Way, Box 1-2, Bedford 781-275-6825; www.bedfordma.gov/ council-on-aging Bellingham Council for the Aging 40 Blackstone St., Bellingham 508-657-2705; www.bellinghamma.org/ Pages/BellinghamMA_SeniorServices/ index Belmont Council on Aging Beech Street Center; 266 Beech St., Belmont CONTINUED PAGE 19

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617-933-2970; www.beechstreetcenter. org Berlin Council on Aging 23 Linden St., Berlin Email: coa@townofberlin.com; www.townofberlin.com/boards-andcommittees/council-on-aging/ Berkley Council on Aging 1 N. Main St., Berkley 508-821-3105; www.townofberkleyma. com/Pages/BerkleyMA_COA/index Billerica Council on Aging 25 Concord Road, Billerica 978-671-0916; www.town.billerica. ma.us/136/Council-on-Aging Blackstone Council on Aging 15 Saint Paul St., Blackstone 508-876-5134; www.townofblackstone. org/Pages/BlackstoneMA_COA/index Bolton Council on Aging & Senior

Center c/o Bolton Country Manor 600 Main St., Bolton 978-779-3313; www.townofbolton.com/ pages/BoltonMA_Aging/index Boston Commission on Affairs of the Elderly City Hall, Rm. 271, Boston 617-635-4366; www.cityofboston.gov/ elderly Boylston Council on Aging 221 Main St., Boylston 508-869-6022; www.boylston-ma.gov/ pages/boylstonma_coa/index

781-848-1963 www.townofbraintreegov.org/coa Bridgewater Office of Elder Affairs 10 Wally Kreuger Way, Bridgewater 508-697-0929; www.old.bridgewaterma. org/Government/ElderAffairs/index.shtml Brockton Council on Aging 10 Father Kenney Way, Brockton 508-580-7811; www.brockton.ma.us/ Government/Departments/COA.aspx Brookfield Council on Aging Town Hall, 6 Central St., Brookfield 508-867-2930; www.brookfieldma.us

Boxborough Council on Aging 29 Middle Road, Boxborough 978-264-1717; www.boxborough-ma. gov/council-on-aging

Brookline Council on Aging 93 Winchester St., Brookline 617-730-2777; www.brooklinema. gov/245/Council-on-Aging

Braintree Department of Elder Affairs 71 Cleveland Ave., Braintree

Burlington Council on Aging Senior Center, 61 Center St., Burlington CONTINUED PAGE 20

Just How Well Prepared Are You? Y Estate Planning Y Elder Law Y Powers of Attorney Y Long Term Care Planning Y M asshealth Applications Y Real Estate Y Guardian/Conservator Issues Y Corporate & Business Planning

Josephine L. Veglia, Esq.

Member: National Academy Elder Law Attorneys

Durbin & Veglia ATTORNEYS AT LAW

275 R Main Street | Oxford, MA 01540 | 508-987-3981 | Fax 508-987-1317

www.durbinandveglia.com

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781-270-1950; www.burlington.org/ residents/council_on_aging Cambridge Council on Aging 795 Massachusetts Ave., Cambridge 617-349-6220 Canton Council on Aging 500 Pleasant St., P.O. Box 54, Canton 781-828-1323; www.town.canton. ma.us/341/Council-on-Aging Carlisle Council on Aging 66 Westford St., Carlisle 978-371-2895; www.carlislema.gov/ Pages/CarlisleMA_COA/index Carver Council on Aging 48 Lakeview St., Carver 508-866-4698; www.carverma.gov/ council-aging Charlton Senior Center 37 Main St., Charlton 508-248-2231; www.townofcharlton. net/councilonaging.htm Chelmsford Council on Aging 75 Groton Road, N. Chelmsford 978-251-0533; www.townofchelmsford. us Chelsea Council on Elder Affairs 10 Riley Way, Chelsea; 617-4664370; www.ci.chelsea.ma.us/Public_ Documents/ChelseaMA_Elder/index Clinton Senior Center 271 Church St., Clinton 978-365-9416; www. clintonseniorcenter.org/index.html Cohasset Elder Affairs Willcutt Commons, 91 Sohier St., Cohasset 781-383-9112; www.cohassetma.org/ pages/departments/elder-affairs.php Concord Council on Aging Harvey Wheeler Community Center 1276 Main St., Concord 978-318-3020; www.concordma.gov/ pages/concordma_coa/index

Dartmouth Council on Aging 628 Dartmouth St., Dartmouth 508-999-4717; www.town.dartmouth. ma.us/council-aging/events/14301 Dedham Council on Aging 735 Washington St., Dedham 781-326-1650; www.dedham-ma.gov Dighton Council on Aging 300 Lincoln Ave., N. Dighton 508-823-0095; www.dighton-ma.gov/ public_documents/dightonma_coa/ index Douglas Council on Aging 331 Main St., P.O. Box 1295, Douglas 508-476-2283; www.douglasma.org/ index.php/pages/committees/senior_ center Dover Council on Aging P.O. Box 250, Dover 508-315-5734, www.doverma.org/ town-government/town-offices/council-onaging-2/ Dracut Council on Aging 951 Mammoth Road, Dracut 978-957-2611; www.dracutma.gov/ council-on-aging Dudley Council on Aging 71 W. Main St., Dudley 508-949-8010, ext. 3; www.dudleyma. gov/coa_page.htm Duxbury Senior Center 10 Mayflower St., Duxbury 781-934-5774; www.duxburyseniorcenter.org/ E. Brookfield Senior Center 122 Connie Mack Drive, E. Brookfield 508-885-5205; www.eastbrookfieldma. us/council-on-aging-senior-center Eastham Council on Aging 1405 Nauset Road, P.O. Box 1203 N. Eastham, 508-255-6164 www.eastham-ma.gov/public_ documents/EasthamMA_Senior/index Everett Council on Aging

90 Chelsea St., Everett 617-394-2323; www.cityofeverett. com/171/Council-on-Aging Fairhaven Council on Aging Senior Center, 229 Huttleston Ave., Fairhaven 508-979-4029; www.fairhaven-ma.gov/ pages/FairhavenMA_COA/index Fall River Council on Aging One Government Center, Fall River 508-324-2401 Fitchburg Council on Aging 14 Wallace Ave., Fitchburg 978-345-9598 Framingham Council on Aging & Senior Center Callahan Senior Center 535 Union Ave., Framingham 508-532-5980; www.framinghamma. gov/360/Council-on-Aging Franklin Council on Aging/ Senior Center 10 Daniel McCahill St., Franklin 508-520-4945; www.town.franklin. ma.us/Pages/FranklinMA_Senior/index Freetown Council on Aging/ Senior Center 227 Chace Road, E. Freetown 508-763-9557; www.freetownma.gov/ council-on-aging-0 Gardner Council on Aging 294 Pleasant St., Gardner 978-630-4067; www.gardner-ma.gov/ pages/GardnerMA_BComm/COA/index Gosnold Council on Aging P.O. Box 28, Cuttyhunk 508-990-7408; www.mcoaonline.com/ gosnold-council-on-aging Grafton Senior Center Council on Aging 30 Providence Road, Grafton 508-839-9242; www.grafton-ma.gov/ council-aging CONTINUED PAGE 21

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Groton Council on Aging 163 W. Main St., Groton; 978-4481170; www.townofgroton.org/Town/ BoardsCommittees/CouncilonAging. aspx Groveland Council on Aging 183 Main St., Groveland 978-372-1101; www.grovelandma.vt-s. net/Pages/GrovelandMA_COA/index Halifax Council on Aging 506 Plymouth St., Halifax 781-293-7313; www.town.halifax. ma.us/Pages/HalifaxMA_COA/index Hamilton Council on Aging 299 Bay Road, S. Hamilton 978-468-5595; www.hamiltonma.gov/ Pages/hamiltonma_coa/index Hanover Council on Aging 665 Center St., Hanover; 781-924-1913 www.hanover-ma.gov/council-onaging-0 Hanson Council on Aging/Senior Center 132 Maquan St., Hanson 781-293-2683; www.hanson-ma.gov/ council-aging-senior-center Harvard Council on Aging 13 Ayer St., Harvard 978-456-4120; www.harvard.ma.us/ Pages/HarvardMA_COA/index Haverhill Council on Aging 10 Welcome St., Haverhill 978-374-2390; www.ci.haverhill.ma.us Hingham Dept. of Elder Services 224 Central St., Hingham 781-741-1458; www.hingham-ma. gov/325/Council-on-Aging Holbrook Council on Aging 9 Jewel Road, Holbrook 781-767-4617; www.holbrookma.gov/ Pages/HolbrookMA_COA/index Holden Senior Center 1130 Main St., Holden

508-210-5570; www.holdenma.gov/ senior-services-council-on-aging Holliston Council on Aging & Senior Center 150 Goulding St., Holliston 508-429-0622; www.townofholliston. us/senior-center Hopedale Council on Aging 43 Hope St., Hopedale 508-634-2208; www.hopedale-ma.gov/ Public_Documents/HopedaleMA_COA/ index Hopkinton Council on Aging & Senior Center 28 Mayhew St., Hopkinton 508-497-9730; www.hopkintonma.gov/ home/government/departments/senior Hubbardston Council on Aging Town Hall, 7A Main St., Unit #3, Hubbardston; 978-928-1400, ext.211 www.hubbardstonma.us/pages/ hubbardstonma_coa/index Hudson Council on Aging & Senior Center 29 Church St., Hudson 978-568-9638; www.townofhudson. org/public_documents/hudsonma_coa/ index Lancaster Council on Aging & Senior Center Town Hall, 695 Main St., Lancaster; 978-733-1249, ext. 1102 (COA director); 978-733-1249, ext. 1106 (Senior Center); www.ci.lancaster. ma.us/pages/lancasterma_bcomm/coa Lakeville Council on Aging 1 Dear Crossing, Lakeville 508-947-7224; www.lakevillecoa.com/ Lawrence Council on Aging/Senior Center 155 Haverhill St., Lawrence 978-620-3540; www.cityoflawrence. com/council-on-aging.aspx

Leicester Council on Aging & Senior Center 40 Winslow Ave., Leicester 508-892-7016; www.leicesterma.org/ senior-center-council-aging Leominster Council on Aging 5 Pond St., Leominster 978-534-7511; www.leominster-ma. gov/depts/programs/seniors Lexington Council on Aging & Senior Center Community Center; 39 Marrett Road, Lexington; 781-698-4840; www. lexingtonma.gov/senior-services Lincoln Council on Aging Bemis Hall, 15 Bedford Road, Lincoln; 781-259-8811 www.lincolntown.org Littleton Council on Aging 33 Shattuck St., Room 231, Littleton; 978-540-2470 www.littletonma.org Lowell Council on Aging 276 Broadway St., Lowell 978-674-4131; www.lowellma.gov/ seniors/Pages/default.aspx Lunenburg Eagle House Senior Center 25 Memorial Drive, Lunenburg 978-582-4166; www.lunenburgma.gov/ content/204/224/ Malden Council on Aging/Senior Center 7 Washington St., Malden 781-397-7144; www.cityofmalden.org/ department/senior-center Mansfield Council on Aging 255 Hope St., Mansfield; 508-2617368; http://coa.mansfieldma.com/ Marlborough Council on Aging & Senior Center 40 New St., Marlborough 508-485-6492; www.marlborough-ma. gov/gen/marlboroughma_seniorsrvc/index CONTINUED PAGE 22

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Marshfield Council on Aging 230 Webster St., Marshfield 781-834-5581; www.townofmarshfield.org/ government-departments-coa-home.htm Maynard Council on Aging 50 Brown St., Maynard 978-897-1009; www.townofmaynardma.gov/gov/departments/council-onaging Medfield Council on Aging 1 Icehouse Road, Medfield 508-359-3665; www.thecenteratmedfield. com Medford Council on Aging/Senior Center 10l Riverside Ave., Medford 781-396-6010; www.medfordma.org/ departments/council-on-aging/ Medway Council on Aging 76 Oakland St., Medway 508-533-3210; www.townofmedway. org/Pages/MedwayMA_COA/index Melrose Council on Aging/Senior Center 235 W. Foster St., Melrose; 781-6654304(COA) Milano Senior Center, 201 W. Foster St.; 781-662-6886; www.cityofmelrose.org/ departments/council-on-aging Mendon Council on Aging/ Senior Center 62 Providence St., Mendon 508-478-6175 www.mendonma.gov/council-on-aging Merrimac Council on Aging 100 E. Main St., Merrimac 978-346-9549; www.merrimac01860. info/pages/merrimacma_senior/index

508-473-8334; www.milford.ma.us/ pages/departments/senior-center.php Millbury Senior Center & Council on Aging 1 River St., Millbury; 508-865-9154 www.millbury-ma.org/Public_ Documents/MillburyMA_COA/index Millis Council on Aging 900 Main St., Millis; 508-376-7051 www.millis.org/pages/MillisMA_CoA/ index Millville Council on Aging/ Senior Center 40 Prospect St., P.O. Box 703, Millville 508-883-3523; www.millvillema.org/ departments/senior-center Milton Council on Aging 10 Walnut St., Milton 617-898-4893; www.townofmilton.org/ Public_Documents/MiltonMA_COA/ COA Natick Council on Aging 117 E. Central St., Natick; 508-6476540 www.natickma.gov/626/Council-onAging New Bedford Council on Aging 181 Hillman St., Bldg. #9, New Bedford 508-991-6250; www.newbedford-ma. gov/community-services/divisions/ council-aging/contact-information New Braintree Senior Center & Council on Aging 20 Memorial Drive, New Braintree 508-867-2071; www.newbraintree.org/ committees.html

Methuen Council on Aging 77 Lowell St., Methuen; 978-983-8825; www.cityofmethuen.net/senior-center

Needham Council on Aging The Center at the Heights 300 Hillside Ave., Needham 781-455-7555; www.needhamma.gov

Middleborough Council on Aging 558 Plymouth St., Middleborough 508-946-2490; www.middleborough. com/coa/index.html

Newton Council on Aging/ Senior Center 345 Walnut St., Newtonville; 617-7961660 www.newtonma.gov/gov/seniors

Milford Council on Aging 60 N Bow St., Milford

Norfolk Council on Aging/ Senior Center

28 Medway Branch Road, Norfolk 508-528-4430; www.virtualnorfolk.org/ public_documents/norfolkma_coa/index N. Andover Senior Center/ Elder Services 120 Main St., N. Andover 978-688-9560; www.townofnorthandover. com/Pages/NAndoverMA_Senior/index N. Attleboro Council on Aging 204 Elm St., N. Attleboro 508-699-0131; www.nattleboro.com/ council-on-aging N. Brookfield Council on Aging & Senior Center 29 Forrest St., N. Brookfield 508-867-0220; www.northbrookfield. net/council-on-aging/ Northborough Senior Center 119 Bearfoot Road, Northborough 508-393-5035; www.town. northborough.ma.us/Pages/ NorthboroughMA_SeniorCenter/index Northbridge Council on Aging & Senior Center 20 Highland St., Whitinsville 508-234-2002; www.northbridgemass. org/council-on-aging N. Reading Council on Aging 157 Park St., North Reading 978-664-5600; www.northreadingma. gov/council-aging Norton Council on Aging 55 W. Main St., Norton 508-285-0235; www.nortonma.org/ council-aging-norton-senior-center Norwell Council on Aging 293 Pine St., Norwell 781-659-7878; www.townofnorwell.net/ council-aging Norwood Council on Aging 275 Prospect St., Norwood 781-762-1201; www.norwoodma.gov Oakham Council on Aging Town Hall, 2 Coldbrook Road,Oakham 508-882-5251; www.oakham-ma.gov/ boards/coa.cfm CONTINUED PAGE 23

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Orange Council on Aging 135 E. Main St., Orange 978-544-1113; www.townoforange.org/ Pages/OrangeMA_COA/index Oxford Council on Aging 323 Main St., Oxford 508-987-6000; www.town.oxford. ma.us/Pages/OxfordMA_COA/index Paxton Council on Aging 17 W. St., Paxton 781-294-8220; www.townofpaxton.net Pembroke Council on Aging 144 Center St., Pembroke 781-294-8220; www.pembroke-ma.gov/ council-aging Pepperell Council on Aging/ Senior Center 37 Nashua Road, Pepperell 978-433-0326; www.pepperell-mass. com/128/Council-on-Aging Petersham Council on Aging P.O. Box 486, Petersham 978-724-3522; www.townofpetersham.org Phillipston Council on Aging 50 The Common, Phillipston 978-939-4086; www.phillipston-ma. gov/council-on-aging Plainville Council on Aging 9 School St., Plainville 508-699-7384; www.plainville.ma.us/ Pages/PLAINVILLEMA_COA/index Plymouth Council on Aging 44 Nook St., Plymouth; 508-830-4230 www.plymouth-ma.gov/council-aging Plympton Council on Aging 5 Palmer Road, Plympton 781-336-9113; www.town.plympton. ma.us/council-on-aging Princeton Council on Aging & Senior Center 18 Boylston Ave., Princeton 978-464-5977; www.town.princeton. ma.us/Pages/PrincetonMA_COA/index

Quincy Council on Aging / Elder Services 440 E. Squantum St, Quincy 617-376-1506; www.quincyma.gov/ Government/ELDERSERV/index.cfm Randolph Dept. of Elder Affairs 16 Fencourt Ave., Randolph 781-961-0930; www.townofrandolph.com Raynham Council on Aging 2215 King Philip St., Raynham 508-824-2740; www.town.raynham. ma.us/Public_Documents/RaynhamMA_ BComm/aging Reading Council on Aging & Senior Center Center: 49 Pleasant St., Reading 781-942-6794; www.readingma.gov/ pleasant-street-center Administrative: 16 Lowell St., Reading 781-942-6658; www.readingma.gov/ council-on-aging Rehoboth Council on Aging 55 Bay State Road, Rehoboth 508-252-3372; www.town.rehoboth. ma.us/council-aging Rochester Council on Aging 67 Dexter Lane, Rochester; 508-763-8723 www.rochesterseniorcenter.com Rockland Council on Aging 317 Plain St., Rockland 781-871-1266; www.rockland-ma.gov/ all-boards-committees/council-on-aging Rowley Council on Aging 39 Central St., P.O. Box 523 Rowley 978-948-7637; www.townofrowley.net Royalston Council on Aging Town Hall, 13 on the Common, Royalston 978-249-9656; www.royalston-ma.gov Rutland Council on Aging & Senior Center 53 Glenwood Road, Rutland 508-886-7945; www.townofrutland.org/ Pages/RutlandMA_COA/index

Scituate Council on Aging 27 Brook St., Scituate 781-545-8722; www.scituatema.gov/ council-on-aging Sharon Council on Aging 219 Massapoag Ave., Sharon 781-784-8000; www.townofsharon.net Sherborn Council on Aging 19 Washington St., Sherborn 508-651-7858; www.sherbornma.org/ Pages/SherbornMA_COA/index Shirley Council on Aging 9 Parker Road, Shirley 978-425-1390; www.shirley-ma.gov/ Pages/ShirleyMA_COA/Index Shrewsbury Council on Aging 98 Maple Ave., Shrewsbury 508-841-8640; www.shrewsburyma. gov/555/Council-on-Aging Somerset Council on Aging 115 Wood St., Somerset 508-646-2833; www.townofsomerset. org/council-on-aging Somerville Council on Aging 167 Holland St., Somerville 617-625-6600, ext. 2300; www. somervillema.gov/departments/councilon-aging Southborough Council on Aging & Senior Center 9 Cordaville Road, Southborough 508-229-4453; www. southboroughseniors.com Southbridge Council on Aging & Senior Center Casaubon Senior Center, 153 Chestnut St., Southbridge 508-764-5436; www.ci.southbridge. ma.us/council-on-aging Spencer Council on Aging & Senior Center 68 Maple St., P.O. Box 264, Spencer 508-885-7546; www.spencerma.gov

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Sterling Council on Aging & Senior Center Mary Ellen Butterick, Bldg. 1, Park St., Sterling; 978-422-3032; www.sterlingma.gov/council-on-aging

Tewksbury Council on Aging & Senior Center 175 Chandler St., Tewksbury 978-640-4482; www.tewksbury-ma. gov/council-on-aging-0

Stow Council on Aging & Senior Center Town Building, 380 Great Road, Stow 978-897-1880; www.stow-ma.gov/ pages/stowma_coa/index

Townsend Council on Aging & Senior Center 16 Dudley Road, Townsend 978-597-1710; www.townsend.ma.us/ Pages/TownsendMA_Senior/index

Sturbridge Council on Aging 480 Main St., Fiskdale; 508-347-7575; www.town.sturbridge.ma.us

Tyngsborough Council on Aging & Senior Center 169 Westford Road, Tyngsborough; 978649-9211 www.tyngsboroughma.gov/ government/departments/coa/

Wayland Council on Aging & Senior Center 41 Cochituate Road, Wayland 508-358-2990; www.wayland.ma.us/ Pages/WaylandMA_COA/index

Upton Council on Aging & Senior Center 2 Farm St., Upton; 508-529-4558; www.uptonma.gov/council-aging-uptoncenter

Watertown Council on Aging & Senior Center 31 Marshall St., Watertown 617-972-6490; www.ci.watertown. ma.us/index.aspx?nid=128

Uxbridge Council on Aging & Senior Center 36 S. Main St., Uxbridge 508-278-8622; www.uxbridge-ma.gov/ Pages UxbridgeMA_COA/index

Webster Council on Aging & Senior Center 5 Church St., Webster 508-949-3845; www.webster-ma.gov

Stoneham Council on Aging & Senior Center 136 Elm St., Stoneham; 781-438-1157; www.stonehamseniorcenter.org Stoughton Council on Aging 110 Rockland St., Stoughton 781-344-8882; www.stoughton.org/ council-aging Sudbury Council on Aging Fairbank Community Center 40 Fairbank Road, Sudbury 978-443-3055; www.sudbury.ma.us/ councilonaging Sutton Senior Center 19 Hough Road, Sutton; 508-234-0703; www.suttonma.org/Pages/SuttonMA_ Senior/index Swansea Council on Aging 260 Ocean Grove Ave., Swansea; 508676-1831 www.swanseacoa.webs.com Taunton Council on Aging & Senior Center 30 Olney St., Taunton; 508-821-1425; www.taunton-ma.gov/council-agingdepartment-human-services Templeton Council on Aging & Senior Center 16 Senior Drive, Baldwinville 978-894-2780 www.templeton1.org/council-on-aging

Wakefield Council on Aging & Senior Center 30 Converse St., Wakefield 781-245-3312 www.wakefield.ma.us/council-on-agingsenior-center Walpole Council on Aging & Senior Center 135 School St., Walpole; 508-6683330; www.walpole-ma.gov/council-onaging Waltham Council on Aging & Senior Center 488 Main St., Waltham 781-314-3499; www.city.waltham.ma.us/ council-on-aging Wareham Council on Aging 48 Marion Road, Wareham 508-291-3130; www.wareham.ma.us/ council-aging/events/12366

Warren Council on Aging & Senior Center 2252 Main St., Warren 413-436-5662 www.warren-ma.gov/pages/warrenma_ bcomm/warrenma_coa/index Warwick Council on Aging 12 Athol Road, Warwick 978-544-6315; www.mcoaonline.com/ warwick-council-on-aging

Wellesley Council on Aging 219 Washington St., Wellesley 781-235-3961; www.wellesleyma.gov/ pages/WellesleyMA_COA/index Wendell Council on Aging 32 W. St., Wendell; 978-544-6760 www.wendellmass.us/index.php/ council-on-aginggolden-agers.html Wenham Council on Aging & Senior Center 10 School St., Wenham 978-468-5529; www.wenhamma.gov/ departments/council_on_aging.php W. Boylston Council on Aging/ Senior Center 127 Hartwell Ave., W. Boylston 508-835-6916; www.westboylston-ma. gov/Pages/WBoylstonMA_COA/index W. Bridgewater Council on Aging 97 W. Center St., W. Bridgewater 508-894-1262; www.

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westbridgewaterma.org/residents/ council_on_aging.php W. Brookfield Council on Aging & Senior Center 73 Central St., W. Brookfield 508-867-1407; www.wbrookfield.com Westborough Council on Aging & Senior Center 4 Rogers Road, Westborough 508-366-3000; www.town. westborough.ma.us/public_documents/ WestboroughMA_Aging/index Westford Council on Aging & Senior Center 20 Pleasant St., P.O. Box 2223, Westford 978-692-5523; www.westfordma.gov Westminster Council on Aging & Senior Center 69 W. Main St., P.O. Box 212, Westminster 978-874-7402; www.westminster-ma. gov/council-agingsenior-center W. Newbury Council on Aging & Senior Center 381 Main St., W. Newbury 978-363-1104; www.wnewbury.org/ pages/westnewburyma_senior/index Westport Council on Aging & Senior Center 75 Reed Road, Westport; 508-636-1026 www.westport-ma.com/council-aging Weston Council on Aging & Senior Center 20 Alphabet Lane, Weston 781-786-6280; www.weston.org/197/ Council-on-Aging Weymouth Dept. of Elder Services 182 Green St., N. Weymouth 781-682-6140; www.weymouth.ma.us/ elder-services Westwood Council on Aging & Senior Center 60 Nahatan St., Westwood 781-329-8799; www.townhall. westwood.ma.us/index.cfm/page/ Council-on-Aging/pid/25594

Whitman Council on Aging & Senior Center 16 Hayden Ave., Whitman 781-447-7619; www.whitman-ma. gov/130/Council-On-Aging

DISABLED SERVICES, SUPPORT

Wilmington Elderly Services Commission Buzzell Senior Center, 15 School St., Wilmington; 978-657-7595; www.town.wilmington.ma.us/Pages/ WilmingtonMA_BComm/Elderly/index

Alzheimer’s Association 480 Pleasant St., Watertown Helpline: 800-272-3900 617-868-6718; www.alz.org

Winchendon Council on Aging & Senior Center 52 Murdock Ave., Winchendon 978-297-3155 www.coa.winchendonweb.com Winchester Council on Aging 109 Skillings Road, Winchester 781-721-7136; www.winchester.us/150/ Council-on-Aging Woburn Council on Aging & Senior Center 144 School St., Woburn 781-897-5960; www.cityofwoburn.com/ index.aspx?nid=140 Worcester Senior Center 128 Providence St., Worcester 508-799-1232; www.worcesterma.gov/ ocm/elder-affairs/senior-center Wrentham Council on Aging & Senior Center 400 Taunton St., P.O. Box 480, Wrentham; 508-384-5425; www. wrentham.ma.us/council-on-aging

American Cancer Society 30 Speen St., Framingham 800-952-7664; www.cancer.org American Diabetes Association, New England 10 Speen St., 2nd Floor, Framingham 617-482-4580; www.diabetes.org/ in-my-community/local-offices/bostonmassachusetts/ American Heart Association 300 5th Ave., #6, Waltham 781-373-4500; www.americanheart.org American Parkinson’s Disease Association 72 E. Concord St., C3, Boston 617-638-8466; 800-651-8466 www.apdama.org American Stroke Association 300 5th Ave., #6, Waltham 781-373-4500; www.strokeassociation. org Arthritis Foundation 29 Crafts St., Suite 450, Newton 617-244-1800; 800-766-9449 www.arthritis.org/massachusetts

CREMATION SERVICES

Audio Journal Radio Program 799 W. Boylston St., Worcester 508-797-1117 www.audiojournal.net

Cremation Service of Central MA 14 Walker St., Suite A 844-380-7313; www. cremationserviceofcentralma.com

Audio Journal is a nonprofit radio and online service that broadcasts news and information to Worcester County residents who are blind or otherwise unable to access visual information.

Ad on page 47

Mass. Association for the Blind Main Office: 200 Ivy St., Brookline; 617738-5110 www.mabcommunity.org CONTINUED PAGE 26

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Central MA Office: 799 W. Boylston St., Worcester; 508-854-0700 The Massachusetts Chapter of the Leukemia and Lymphoma Society 9 Erie Drive, Suite 101, Natick 508-810-1300; www.lls.org/ massachusetts Massachusetts Commission for the Blind 600 Washington St., Boston, 617-7275550, 800-392-6450; www.mass.gov/ eohhs/gov/departments/mcb/ Massachusetts Commission for the Deaf and Hard of Hearing 600 Washington St., Boston 617-740-1600; Central Mass.

Office: 2 Foster St., 2nd Floor, Worcester;413-788-6427

Nat. Multiple Sclerosis Society MA. Chapter 101A First Ave., Suite 6, Waltham; 781-890-2089; 800-344-4867; www. nationalmssociety.org/Chapters/MAM Parkinson’s Disease, Locations: Bedford Council on Aging 1-2 Mudge Way, Bedford 781-275-6825

Parkinson’s Disease & Movement Disorders Center Beth Israel, 330 Brookline Ave., Boston 617-667-9885 South Shore Hospital, Weymouth 781-383-9394 Southwood Community Hospital, Canton 508-668-0385

DOWNSIZING SERVICES

Emerson Hospital Concord 978-256-1605 Milford Regional Hospital 508-473-1190 Massachusetts General Hospital NPF Center of Excellence Ambulatory Care Center 15 Parkman St., Boston; 617-726-2000

Sell Mom's House 157 Cullinane Dr. Marlborough; 774-696-6124 www.sellmomshouse.com Ad on page 11

Newton-Wellesley Hospital, Newton 781-235-7811 CONTINUED PAGE 27

THERE’S NO PLACE LIKE HOME

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508-756-1545 IRINFO@ESWA.ORG WWW.ESWA.ORG

Our 20 years of experience will make all the difference in your experience.

That’s the Benchmark Difference.

1160 Main Street | Leominister MA 978.537.2424 | LeominsterCrossings.com

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DRIVER SAFETY AARP Smart Driverâ„¢ www.aarp.org/drive; A Driver safety program, safe driving tips and information about classes held statewide

508-835-2333; www.centralsafety.org

781-235-1200; www.Babson.edu

Offers one-hour driving evaluations for seniors

Free for seniors in Wellesley and Needham

Registry of Motors Vehicles, Medical Affairs Branch for handicap plates Boston; 857-368-8000; 800-858-3926 www.massrmv.com/rmv/medical

Association for Driver Rehabilitation Specialists 866-672-9466; www.aded.net

Disabled (handicap) Placard/Plate application, information for caregivers and elders about elder driver safety

For fact sheets on disabilities and driving and for a list of Driver Rehabilitation Specialists

EDUCATION/ EMPLOYMENT TRAINING

DriveWise® Beth Israel Deaconess Medical Center, Dept. of Neurology 330 Brookline Ave., Boston 617-667-4074; www.bidmc.harvard.edu A driving fitness evaluation program

Central Mass. Safety Council 186 W. Boylston St., W. Boylston

Call 508-756-4696

Assumption College 500 Salisbury St., Worcester 508-767-7000; www.assumption.edu

Becker College 61 Sever St., Worcester 877-523-2537; www.beckercollege.edu Boston University Evergreen Program 755 Commonwealth Ave., Suite B18, Boston; 617-358-1350; www.bu.edu/ lifelong/evergreen Bridgewater State University 131 Summer St., Bridgewater 508-531-1000; www.bridgew.edu Catholic Charities The Senior Employment Program 10 Hammond St., Worcester 508-798-0191; www.ccworc.org Curry College Division of Continuing Education 1071 Blue Hill Ave., Milton CONTINUED PAGE 28

Babson College 231 Forest St., Babson Park

FA M I LY S E R V I C E S o f C E N T R A L M A S S A C H U S E T T S

Helping families for over 125 years.

(COKN[ 5GTXKEGU KU C RTKXCVG PQPRTQƒV QTICPK\CVKQP VJCV JCU provided support, guidance and counseling to families since CPF JQOG ECTG UGTXKEGU HQT QXGT [GCTUБ Home Care Services we offer: Ű %QORCPKQPUJKR Ű 4GURKVG %CTG Ű 2GTUQPCN %CTG Ű .KIJV *QWUGMGGRKPI

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Other program services offered include: %GPVGT HQT %JKNFECTG %CTGGTU /GFKCVKQP 5GTXKEGU %QWPUGNKPI 5GTXKEGU 'ORNQ[GG #UUKUVCPEG 2TQITCO 5GPKQT %QORCPKQP 2TQITCO CPF 4582 4GVKTGF 5GPKQT 8QNWPVGGT 2TQITCO

Always Ready to Help You or a Loved One. Call 508-756-4696 *#48#4& 564''6 914%'56'4 /# ^ Å° ^ www.fscm.org

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617-333-0500; www.curry.edu Eastern Nazarene College 23 E. Elm Ave., Quincy 617-745-3000; www.enc.edu International Institute Boston Office: 617-695-9990 1 Milk St., 4th Fl., Boston Lowell Office: 978-459-9031 15-17 Warren St., 2nd Fl., Lowell www.iine.us Mass. Bay Community College 50 Oakland St., Wellesley 781-239-3000; www.massbay.edu Massasoit Community College 1 Massasoit Boulevard, Brockton 800-CAREERS; www.Massasoit.mass. edu Mass. Board of Higher Education One Ashburton Place, Room 1401, Boston; 617-994-6950; www.mass.edu

Income-eligible seniors may attend any state, regional or community college without paying tuition

Quincy College 1250 Hancock St., Quincy 800-698-1700; www.quincycollege.edu Quinsigamond Community College 670 W. Boylston St., Worcester 508-853-2300; www.qcc.mass.edu Road Scholar 11 Avenue de Lafayette, Boston 800-454-5768; www.roadscholar.org SeniorNet Elder Services of the Merrimack Valley, Inc. 280 Merrimack St., Suite 400, Lawrence 800-892-0890; www.esmv.org University of Massachusetts Boston Gerontology Institute & Dept.

Wheatley Building, 3rd Floor, Room 124A

100 Morrissey Blvd., Boston 617-287-7300; www.umb.edu/ gerontologyinstitute University of MA at Lowell One University Ave., Lowell 978-934-4000; www.uml.edu Worcester Polytechnic Institute 100 Institute Road, Worcester 508-831-5000; www.wpi.edu Worcester Institute for Senior Education Assumption College, Worcester 508-767-7513; http://cce.assumption. edu/wise/worcester-institute-senior. education Worcester State College 486 Chandler St., Worcester, 508-929-8000; www.worcester.edu (Intergenerational Urban Institute)

CONTINUED PAGE 29

e s n e S y r e “Live” EvWord! Plantation of the Towers City Close - Country Quiet!!

This is just a peek at some of the amenities you will enjoy while living in our spacious one or two bedroom apartments. STOP BY TODAY AND VIEW OUR COMMUNITY OR CALL FOR MORE INFORMATION.

501 Plantation Street, Worcester, MA 01605 (near U. Mass Medical Center)

plantation_towers@related.com

508-752-6800

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Workforce Career Central www.workforcecentralma.org Worcester office: 340 Main St., Suite 400; 508-799-1600 Milford office: 428 Fortune Blvd., Suite 201 508-478-4300 Southbridge office: 5 Optical Drive, Suite 200; 508-765-6430

ELDER ABUSE Elder Abuse Hotline 800-922-2275; www.mass.gov/mdaa/ mandated-reporting/elder-abuse.html The Protective Services Program. Report suspected abuse outside the nursing home for adults age 60 and older that may include such acts of abuse as neglect, physical, sexual, financial exploitation and self-neglect

ELDER SERVICES Community VNA for Norwood Adult Day Care 10 Emory St., Attleboro 800-220-0110 www.communityvna.com Ad on page 33

FAMILY CAREGIVER SUPPORT Advocates 1881 Worcester Road, Framingham 508-628-6300; advocates.org Ad on page 4

Leominster Crossings 1160 Main St., Leominster 978-537-2424 Ad on page 26 Worcester Adult Day Care Center 81 Lafayette Suite 3 and 4, Worcester 508-831-7500 Ad on page 13

American Cancer Society www.cancer.org Regional Offices: 43 Nagog Park, Suite 110, Acton 781-894-6633 30 Speen St., Framingham 508-270-4600 Offers discussion board, support groups and resources

American Diabetes Association 330 Congress St., 5th Fl., Boston 888-DIABETES; www.diabetes.org Provides research, information and advocacy

CONTINUED PAGE 30

10% Off!!!

PROVIDING QUALITY CARE IN YOUR HOME Proud to be your locally owned and privately held home health care provider in Westboro since 1997.

Ask about our “Home But Not Alone Program” Stay home with quality care customized to meet your needs.

Please call our Care Coordinator at

508-366- to learn more.

First Time Clients Mention This Ad & Receive 10% Off Your First Invoice!

Specialty Services Include: • Home Health Aides, Homemakers, Companions • 2 to 24 Hour Care • Live-In Care • Individualized Wellness Plan • Dementia Care • 24 Hour On-Call • In-Home, On-site, On-going Supervisions • Licensed, Insured and Bonded

www.care-solutions.net • email: info@care-solutions.net

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American Heart/Stroke Association 300 5th Ave., Suite 6, Waltham 781-373-4500; www.americanheart.org Provides outreach, support group info.

The Arthritis Foundation 29 Crafts St., Suite 450, Newton 617-244-1800; www.arthritis.org Message boards, information and advocacy

Boston Senior Home Care 89 South St., 5th Floor, Ste 501, Boston; 617-451-6400; bostonseniorhomecare.info Offers caregivers support, counseling, information, respite, information and referral

The Cancer Support Community Massachusetts South Shore 120 Longwater Drive, Norwell 781-610-1490; www. cancersupportcommunityma.org Offers cancer support, in-person and online support groups

Catholic Charities, Archdiocese of Boston

51 Sleeper St., Boston 617-482-5440; www.bostoncatholic.org Offers social service programs for Eastern MA seniors such as home visiting, adult day health, visiting nurse services and basic services such as food, fuel, utility, and rental assistance

Central Massachusetts Family Caregiver Support Program Central Massachusetts Agency on Aging 360 W. Boylston St., West Boylston 508-852-5539; 800-244-3032 www.seniorconnection.org Serves caregivers in the Worcester area and surrounding communities

Community VNA for Norwood Adult Day Care 10 Emory St., Attleboro 800-220-0110 www.communityvna.com Ad on page 33

Elder Services of the Merrimack Valley, Inc. 280 Merrimack St., Suite 400, Lawrence 800-892-0890; www.esmv.org Family Services of Central Mass.

31 Harvard St., Worcester 508-756-4646; www.fscm.org Ad on page 27 Fifty Plus Caregivers www.fiftypluscaregivers.com Provides listings of caregiving programs, services, information, education and links to help family caregivers assist elderly loved ones. It also offers pertinent late breaking news

Mass. Family Caregiver Support Program 800-AGE-INFO; www.mass.gov/elders/ caregiver-support Empowers elders and caregivers by providing information, education, support and services that enhance quality of life. It is administered by the Executive Office of

CONTINUED PAGE 31

Hawthorne Hill Elderly Housing Phase I & II 106 Main St., Rutland, MA 01543 Bright & airy one bedroom units, both subsidized and non-subsidized.

Elderly & disabled rental units.“62 years of age or older, handicap/disabled regardless of age.”

Eligible tenants pay 30% of monthly income.

HUD Section 8 Subsidy and USDA /RD Rental Assistance

To obtain applications, please call Brenda at 508-886-6920 TDD 1-800-439-2370 • Laundry Facilities • Community Rooms • Accessible Units “This institution is an equal opportunity provider and employer”

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CONTINUED FROM PAGE 30 Elder Affairs, in coordination with the Area Agencies on Aging/Aging Services Access Points throughout the Commonwealth of Massachusetts

National Multiple Sclerosis Society 101A First Ave., Waltham 800-344-4867; www.msnewengland.org Offers education, support and advocacy

FAMILY SUPPORT SERVICES Advocates 1881 Worcester Road, Framingham 508-628-6300; advocates.org' Ad on page 4

FINANCIAL ASSISTANCE AARP www.aarp.org/retirement

Offers information and worksheets to assist with financial planning issues

Massachusetts Department of Transitional Assistance 617-989-2200; www.mass.gov/eohhs/ gov/departments/dta/ Massachusetts Dept. of Revenue 800-392-6089; www.mass.gov/dor The Pension Action Center, UMass/Boston Gerontology Institute, University of Mass. Boston 100 Morrissey Boulevard, Boston www.pensionaction.org/ Offers the following programs:

New England Pension Assistance Project 617-287-7307; 888-425-6067 Helps individuals to understand their pension plan, their rights under federal law and the benefits to which they are entitled. Services are free of charge to all New England residents

National Pension Lawyers’ Network 888-420-6550 A no-cost referral service that connects workers and retirees with more than 600 attorneys from across 50 states and the District of Columbia who can help individuals understand and enforce their pension rights. Lawyers represent workers, retirees and their families in pension matters on a regular-fee, reducedfee, and/or pro bono basis

FINANCIAL MANAGEMENT Bay State Savings Bank 28 Franklin St., Worcester; 508-8909000 www.baystatesavingsbank.com Ad on page 4 Central One Federal Credit Union 714 Main St., Shrewsbury 800-527-1017; www.centralfcu.com Ad on page 18 CONTINUED PAGE 32

:KHQ \RXœUH ORRNLQJ IRU WKH EHVW KRVSLFH FDUH ORRN WR +RSH HopeHealth has provided care and support for those facing serious illness for over 35 years. Our dedication, respect and compassion help provide the best quality of life possible. That’s why so many families look to Hope for hospice care.

To learn more, call (844) 671-HOPE or visit HopeHealthCo.org.

Part of the HopeHealth family of services Hope Hospice | McCarthy Care Center | Hope Care For Kids Hope Dementia & Alzheimer’s Services | Hope Academy

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Financial Management Con't Helping Hands Community Partners, Inc. 40 Accord Park Drive, Suite 208, Norwell 781-878-5626 www.hhcp.org Ad on page 49

FUEL/ENERGY ASSISTANCE Mass. Department of Housing & Community Development 617-573-1100 www.mass.gov/dhcd Administers the Weatherization Assistance, Heating Energy Assistance, Retrofit Task Weatherization Assistance and Low-Income Home Energy Assistance programs

Montachusett Opportunity Council (MOC) 133 Prichard St., Fitchburg 978-345-7040; www.mocinc.org Provides full weatherization services for cities and towns in North Central Massachusetts

Quincy Community Action 1509 Hancock St., Quincy 617-479-8181; www.qcap.org Serves Braintree, Milton, Quincy, Weymouth

Self-Help Community Action 780 W. Main St., Avon 508-588-0447; selfhelpinc.org Serves Holbrook, Randolph

Southern Middlesex Opportunity Council 7 Bishop St., Framingham 508-872-4853; www.smoc.org Serves Ashland, Bellingham, Framingham, Holliston, Hopkinton, Marlborough, Natick, Southborough, Wayland

South Shore Community Action Council 71 Obery St., Plymouth; 508-747-7575; www.sscac.org; Serves Cohasset, Hingham, Hull, Norwell, Scituate

Worcester Community Action Council 484 Main St., 2nd Floor, Worcester 508-754-1176; www.wcac.net/ Serves Worcester, Auburn, Boylston, Brookfield, Charlton, Douglas, Dudley, E. Brookfield, Hardwick, Holden, Leicester, Millbury, New Braintree, N. Brookfield, Oakham, Oxford, Paxton, Rutland, Shrewsbury, Southbridge, Spencer, Sturbridge, Sutton, Warren, Webster, W. Boylston, W. Brookfield, Westborough

Reliant Medical Group 800-282-2556 www.reliantmedicalgroup.org Ad on page 47 & 55 UMass Memorial Health Care All Locations 855-UMASS-MD (855-862-7763) Umassmemorialhealthcare.org Ad on page 3

FUNERAL HOMES

VA-Boston 781-825-3868 www.newengland.va.gov/50plus Ad on page 16

Shaw-Majercik Funeral Home 48 School St., Webster 508-943-6278 www.shaw-majercik.com Ad on page 36

VNA Care Network Inc. 120 Thomas St., Worcester 508-751-6808 www.vnacare.org Ad on page 43

Cremation Service of Central MA 14 Walker St., Suite A 844-380-7313; www. cremationserviceofcentralma.com Ad on page 47

Worcester Adult Day Care Center 81 Lafayette Suite 3 and 4, Worcester 508-831-7500 Ad on page 13

GERIATRIC CARE MANAGERS

HEALTH MAINTENANCE ORGANIZATIONS

Reliant Medical Group 800-282-2556 www.reliantmedicalgroup.org Ad on page 47 & 55

HEALTH CARE SERVICES Blue Cross/Blue Shield 401 Park Drive, Boston 800-678-2265; TDD 1-800-522-1254; www.bluecross.com/medicare Ad on page 56 HopeHealth 765 Attucks Lane, Hyannis 508-957-0200 www.Hope-HealthCo.org Ad on page 31

Blue Cross/Blue Shield 401 Park Drive, Boston 800-678-2265 TDD 1-800-522-1254 www.bluecross.com/medicare Ad on page 56 YMCA Boroughs Family Branch 4 Valente Drive, Westborough 508-870-1320; www.ymcaofcm.org Ad on page 53 YMCA Central Community Branch 766 Main St., Worcester 508-755-6101; www.ymcaofcm.org Ad on page 53 YMCA Greendale Family Branch 75 Shore Drive, Worcester, 508-852-6694 www.ymcaofcm.org Ad on page 53 CONTINUED PAGE 33

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YMCA Leominster Community Branch 108 Adams St., Leominster 978-401-2290 www.ymcaofcm.org Ad on page 53

HOME CARE

YMCA Montachusett Community Branch 55 Wallace Avenue, Fitchburg 978-343-4847 www.ymcaofcm.org Ad on page 53

Care Solutions 176 East Main St., Suite 1, Westborough; 508-366-1760 www.homecaresolutionsma.com ad on page 29

HEARING AIDS Hearing Aid Center at Reliant Medical Group 800-282-2556 www.reliantmedicalgroup.org Ad on page 47

Family Services of Central Mass.

31 Harvard St., Worcester 508-756-4646; www.fscm.org Ad on page 27

Adult Day Club at Dodge Park 101 Randolph Road, Worcester 508-853-8180; www.dodgepark.com Ad on page 48

Heritage at Framingham/ Mary Anne Morse 747 Water St., Framingham 508-788-6050 www.heritageassistedliving.org/ Maryannemorse.org Ad on page 35

Century Home Care 65 Water St., Worcester 888-292-1809 www.centurycares.com Elder Services of Worcester Area, Inc. 67 Millbrook St., #100, Worcester 508-756-1545; www.eswa.org Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester

Ad on page 26

HopeHealth 765 Attucks Lane, Hyannis 844-671-HOPE (4673); www.

HopeHealthCo.org Ad on page 31 Oasis at Dodge Park 102 Randolph Rd., Worcester 508-853-8180 www.oasisatdodgepark.com Ad on page 7 CONTINUED PAGE 34

Joseph D. Early Village SEEKING APPLICANTS FOR: • 1 bedroom and 2 bedroom affordable HUD subsidized apartments.

• 62 of age or older, handicap/disabled, regardless of age.

• Rent 30% of adjusted gross income.

• Includes utilities.

UNITS FEATURE:

• Wall-to-wall carpeting • Electric range and refrigerator • Heat and hot water included

BLACKSTONE HOUSING CORPORATION 8 Early Village Drive, Blackstone, MA 01504 1/2

508-883-9802 TDD 508-883-9802 This This Institution Is An Is Equal Provider Provider. and Employer Institution An Opportunity Equal Opportunity

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UMass Memorial Health Care All Locations 855-UMASS-MD (855-862-7763) Umassmemorialhealthcare.org Ad on page 3 VNA Care Network Inc. 120 Thomas St., Worcester 508-751-6808 www.vnacare.org Ad on page 43

HOME MEDICAL EQUIPMENT Boulevard Pharmaceutical 149 Shrewsbury St.; Worcester 508-741-1791 www.boulevardcompounding.com Ad on page 44

HOME REPAIR SERVICES Elder Home Repair/Maintenance Pro. (CMHA) 6 Institute Road, Worcester 508-752-5519; www.cmhaonline.org

Rebuilding Together Worcester P.O. Box 2774, Worcester 508-842-8833 sites.google.com/site/ rebuildingtogetherworcester Provides renovations for elderly to improve home safety

HOSPICE CARE Dodge Park Rest Home 101 Randolph Road, Worcester 508-853-8180; www.dodgepark.com Ad on page 54 HopeHealth 765 Attucks Lane, Hyannis 844-671-HOPE (4673) www.HopeHealthCo.org Ad on page 31 Notre Dame Health Care 555-559 Plantation St., Worcester 508-852-3011; www. notredamehealthcare.org Ad on page 14

HOUSING, ASSISTED LIVING Adult Day Club at Dodge Park 101 Randolph Road, Worcester 508-853-8180; www.dodgepark.com Ad on page 48 Christopher Heights of Marlborough 99 Pleasant St. Marlborough 508-449-6301; www. christopherheights.com Ad on page 41 Heritage at Framingham/ Mary Anne Morse 747 Water St., Framingham 508-788-6050 www.heritageassistedliving.org/ Maryannemorse.org Ad on page 35 Leominster Crossings 1160 Main St., Leominster 978-537-2424 Ad on page 26

Provides low cost emergency home repairs

Oasis at Dodge Park 102 Randolph Rd., Worcester 508-853-8180 www.oasisatdodgepark.com Ad on page 7

Notre Dame Health Care 555-559 Plantation St., Worcester 508-852-3011; www. notredamehealthcare.org Ad on page 14

Home Modification Loan Program Massachusetts Rehabilitation Commission; 27-43 Wormwood St., Boston, 617-204-3637; www.mass.gov

Salmon VNA & Hospice Care 37 Birch St., Milford 508-473-0862; www.salmonhealth.com Ad on page 51

Provides loans to finance eligible modifications including ramps, accessible bathrooms, grab bars, visual safety alarm systems

VNA Care Network Inc. 120 Thomas St., Worcester 508-751-6808 www.vnacare.org Ad on page 43

Oasis at Dodge Park 102 Randolph Rd., Worcester 508-853-8180 www.oasisatdodgepark.com Ad on page 7

Montachusett Opportunity Council Elder Services 66 Day St., Fitchburg 978-345-7040 moc.inc.org; Provides minor home adaptations to improve home safety

RCAP Solutions, Inc. 12 E. Worcester St., Worcester 800-488-1969; www.rcapsolutions.org Provides housing repairs and rehabilitation

HOSPITALS UMass Memorial Health Care All Locations 855-UMASS-MD (855-862-7763) Umassmemorialhealthcare.org Ad on page 3

The Residence at Orchard Grove 258 Walnut St., Shrewsbury 508-841-5735 www.residenceorchardgrove.com Ad on page 9 Whitney Place Assisted Living and Memory Care, Natick Three Vision Drive, Route 9 West, Natick 508-655-5000; www.SalmonHealth.com Ad on page 51

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Whitney Place Assisted Living and Memory Care, Northborough 238 West Main St., Northborough 508-393-5655 www.SalmonHealth.com Ad on page 51 Whitney Place Assisted Living Residences, Northbridge 85 Beaumont Drive, P.O. 940; Northbridge 508-234-3434; www.

SalmonHealth.com Ad on page 51 Whitney Place Assisted Living and Memory Care, Sharon 675 South Main St., Sharon 781-784-0111; www.

SalmonHealth.com Ad on page 51 Whitney Place Assisted Living and Memory Care, Westborough 5 Lyman St., Westborough 508-836-4354; www.

SalmonHealth.com Ad on page 51

HOUSING AUTHORITIES Acton Housing Authority 68 Windsor Ave., Acton; 978-263-5339; acton-ma.gov Athol Housing Authority 21 Morton Meadows; Athol 978-249-4848; atholorangehousing.com Auburn Housing Authority 200 N. Oxford St., Auburn 508-832-3852;

auburnmahousing.org Braintree Housing Authority 25 Roosevelt Road, Braintree 781-848-1484; braintreehousingauthority.org Brockton Housing Authority 247 Arthur Paquin Way, Brockton 508-583-3555 brocktonhousingauthority. com Cohasset Housing Authority 60 Elm St., Cohasset; 781-383-1948; cohassetma. org Concord Housing Authority 34 Everett St., Concord 978-369-8435; concordca. org Dracut Housing Authority 97 Mammoth Road, Dracut 978-957-3515 dracuthousingauthority.org Fitchburg Housing Authority 100 Main St., Leominster 508-537-5300; ncmhousing. com

A Family You Didn’t Know You Had

Framingham Housing Authority 1 John J. Brady Drive, Framingham 508-879-7562; www.framha. org

It’s like being at home, but better!

Grafton Housing Authority 10 Maxwell Drive, Grafton 508-839-6089; graftonhousing.com Hingham Housing Authority 30 Thaxter St., Hingham; 781-741-1417 hingham-ma.com CONTINUED PAGE 36

When you live at Heritage at Framingham, you’re part of our family. Worry-free living and personalized care when you need it.

HAVE QUESTIONS? Call 508-788-6050 or visit

www.heritageassistedliving.org/elder 747 WATER STREET, FRAMINGHAM, MA

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781-861-0900; lexingtonhousing.org

Holbrook Housing Authority 1 Holbrook Court, Holbrook 781-767-0024; holbrookma.gov

Lowell Housing Authority P.O. Box 60, Lowell 978-937-3500; lowellhousingauthority. org

Holden Housing Authority 9 Flagler Drive, Holden; 508-829-9182; holdenma.gov

Lynn Housing Authority 50 Andrew St., Lynn 781-592-4092; lhand.org

Holliston Housing Authority 492 Washington St., Cole Court, Holliston 508-429-6266; townofhollidston.us

Malden Housing Authority 630 Salem St., Malden; 781-322-9460; maldenhousing.org

Hudson Housing Authority 8 Brigham Circle, Hudson 978-562-9268; townofhudson.org

Mansfield Housing Authority 22 Bicentennial Court, Mansfield 508-339-6890; mansfieldma.com

Hull Housing Authority 6 Atlantic House Court, Hull 781-925-4544; town.hull.ma.us

Marlborough Housing Authority 240 Main St., Marlborough 508-624-6908; marlborough-ma.gov

Leominster Housing Authority 100 Main St., Leominster 978-537-5300; ncmhousing.org

Maynard Housing Authority 15 Powder Mill Circle, Maynard 978-897-8738 affordablehousingonline.com

Lexington Housing Authority One Countryside Village, Lexington

Medford Housing Authority 121 Riverside Ave., #1, Medford 781-396-7200; medfordhousing.org Medway Housing Authority 600 Mahan Circle, Medway; 508-5332434 affordablehousingonline.com Melrose Housing Authority 910 Main St., Melrose 781-665-1622; melroseha.com Merrimack Housing Authority 52 Merrimack Village, Merrimack 978-388-2022 ext. 5; merrimac01860. info Methuen Housing Authority 24 Mystic St., Methuen; 978-682-8607; methuenhousingauthority. org Milton Housing Authority 65 Miller Ave., #1, Milton 617-698-2169; miltonhousingauthority.com CONTINUED PAGE 37

Preserving Memories with Dignity CREMATION AND AFFORDABLE FUNERAL OPTIONS The Shaw-Majercik Funeral Home provides affordable cremation and traditional funeral services.

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RICHARD D. MAJERCIK Director

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3800

+ Cemetary charges

48 School Street, Webster, MA 01570 ! Π___ [PI_ UIRMZKQS KWU

1(800)279-7429

ESTABLISHED 1910 OVER 100 YEARS OF CONTINUOUS SERVICE ~ VETERAN OWNED & OPERATED ~ SERVING ALL FAITHS

2018 ~ 2019

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Middleborough Housing Authority 8 Benton St., Middleborough 508-947-3824 affordablehousingonline.com

781-444-3011; needhamhousing.org

Milford Housing Authority 45 Birmingham Court, Milford 508-473-9521 affordablehousingonline.com

N. Andover Housing Authority 310 Greene St., N. Andover 978-682-3932; nandoverha.org

Millis Housing Authority 310 Exchange St., Millis 508-376-8181; millis.org Milton Housing Authority 65 Miller Ave., #2, Milton 617-698-2169 miltonhousingauthority.com Natick Housing Authority 4 Cottage St., Natick 508-653-2971; natickha.org Needham Housing Authority 28 Captain Robert Cooke Drive, Needham

Newton Housing Authority 82 Lincoln St., #101, Newton Highlands 617-552-5501; newtonhousing.org

N. Reading Housing Authority Peabody Court, N. Reading 978-664-2982; www.northreadingha.org Northborough Housing Authority 26 Village Drive, Northborough 508-393-2408 northboroughhousing.com Norwood Housing Authority 40 William Shyne Circle, Norwood 781-762-8115; norwoodha.org Oxford Housing Authority 23 Wheelock St., Oxford 508-987-5055; oxfordhousing.org

Pembroke Housing Authority Kilcommons Drive, Pembroke 781-293-3088; pembrokeha.com Plymouth Housing Authority 69 Allerton St., Plymouth 508-746-2105; plymouthhousing.org Quincy Housing Authority 80 Clay St., Quincy 617-847-4350; quincyha.com Reading Housing Authority 23 Frank D. Tanner Drive, Reading 781-944-6755; readinghousing.org Scituate Housing Authority 791 Country Way, Scituate 781-545-3375; scituatema.gov Shrewsbury Housing Authority 36 N. Quinsigamond Ave., Shrewsbury 508-757-0323; shrewsburyha.org Somerville Housing Authority 30 Memorial Road, Somerville CONTINUED PAGE 38

fiftyplus

advocate.com

• Inspiring articles • Tips for caregivers

Proudly announcing our all-new website, a great resource that celebrates living your best life over 50 40,000 copies delivered monthly between Worcester and Boston

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The longest continuously running mature market publication in the United States

www.fiftyplusadvocate.com

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617-625-1152; sha-web.org Southbridge Housing Authority 60 Charlton St., Southbridge 508-765-5858; www.ci.southbridge. ma.us/southbridge Stoughton Housing Authority 4 Capen St., Stoughton 781-344-6599; stoughtonhousingauthority.com

Westborough Housing Authority 2 Rogers Road, Westborough 508-366-1225; town.westborough.ma.us Weymouth Housing Authority 402 Essex St., Weymouth 781-335-2000 Winchendon Housing Authority 108 Ipswich Drive, Winchendon 508-297-2280; townofwinchendon.com

Stow Housing Authority 380 Great Road, Stow 978-897-4534; stow-ma.gov

Winchester Housing Authority 13 Westley St., Winchester 781-721-5718; winchesterha.org

Taunton Housing Authority 30 Olney St., Taunton 508-823-6308; tauntonhousing.com

Woburn Housing Authority 59 Campbell St., Woburn 781-935-0818; woburnhousing.org

Tewksbury Housing Authority Saunders Circle, Tewksbury 978-851-7392, ext. 7; tewksbury-ma.gov

Irving Square Apartments 75 Irving St., Framingham 844-656-4361 www.equityapartments.com Ad on page 10

Wakefield Housing Authority 26 Crescent St., Wakefield 781-245-7328; wakefieldhousing.org Walpole Housing Authority 8 Diamond Terrace, Walpole 508-660-9973 Watertown Housing Authority 55 Waverley Ave., Watertown 617-923-3950; www.ci.waterotwn.ma.us Serves Allston, Belmont, Brighton, Cambridge, Newton, Waltham, Watertown

Wayland Housing Authority 106 Main St., Wayland 508-655-6310; wayland.ma.us Webster Housing Authority 10 Golden Heights, Webster 508-943-1634; webster-ma.gov Wellesley Housing Authority 109 Barton Road, Wellesley 781-235-0223; wellesleyhousing.org W. Boylston Housing Authority 87 Maple Ave., W. Boylston 508-835-6060; westboylston-ma.gov W. Brookfield Housing Authority 29 E. Main St., W. Brookfield 508-867-5891; wbrookfield.com

Worcester Housing Authority 40 Belmont St., Worcester 508-635-3000; worcester-housing.com For communities not listed on here please visitaffordablehousingonline.com.

HOUSING, INDEPENDENT LIVING Binnall House 125 Connors St., Gardner 978-632-9650; www.schochet.com Ad on page 45 Bigelow Village P.O. Box 275, Rutland 508-886-6565 www.bigelowvillage.com Ad on page 44 Blackstone Housing Corp.

8 1/2 Early Village Drive, Blackstone 508-883-9802; Ad on page 33

Congregational Retirement Homes 200 W. Foster St., Melrose 781-665-6334 www.peabodyproperties.com Ad on page 10 Framingham Green 136 Maynard Road, Framingham 508-872-0500 www.peabodyproperties.com Ad on page 10 Goddard Homestead 1199 Main St. Worcester 508-753-4890 www.goddardhomestead.org Ad on page 13 Plantation Towers 501 Plantation St., Worcester 508-752-6800 Ad on page 28 The Residence at Orchard Grove 258 Walnut St., Shrewsbury 508-841-5735 www.residenceorchardgrove.com Ad on page 9 The Willows at Westborough 1 Lyman St., Westborough 508-366-4730; www.SalmonHealth.com Ad on page 51 The Willows at Worcester 101 Barry Road, Worcester 508-755-0088; www.SalmonHealth.com Ad on page 51

HOUSING INFORMATION & REFERRAL Central MA Housing Alliance 6 Institute Road, Worcester 508-752-5519; www.cmhaonline.org Housing, tenant and landlord issues

Homeowner Options for Elders (HOME) 137 South St., Boston; 617-451-0680 A comprehensive housing counseling service for older homeowners of limited income that looks for ways to tap into home equity

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Leading Age 246 Walnut St., Suite 203, Newton 617-244-2999; www.leadingagema.org

Enforces fair housing laws, conducts training, outreach, and compliance monitoring: and works with state and local agencies to administer fair housing programs

Mass. Access: The Accessible Housing Registry 18 Tremont St., Suite 401, Boston 617-742-0820 www.massaccesshousingregistry.org

HOUSING, RETIREMENT COMMUNITIES

Online resource assists those with disabilities find rental housing in Massachusetts

Massachusetts Dept. of Housing and Community Development 100 Cambridge St., Suite 300, Boston 617-573-1100; www.mass.gov/dhcd Public housing options and how to find more information in your area. Publishes “How to Obtain Housing Assistance in Massachusetts.

Mass. Housing Finance Agency 1 Beacon St., Boston 617-854-1000; www.masshousing.com Administers Mass Housing’s ElderCHOICE program that provides financing for assisted-living rental housing with supportive services for frail elders; and the Elder 80/20 programs, which serve elders who wish to live in independent rental apartments with on-site access to supportive service in developments financed through the Elder 80/20 program. Agency also publishes subsidized housing list.

Metro Boston Housing Partnership 125 Lincoln St., 5th Floor, Boston 617-859-0400; 800-272-0990 www.mbhp.org Provides loans to make access modifications to homes for individuals with disabilities; offers rental voucher assistance to homeless, elderly, disabled, and low- and moderate-income residents of Boston and 29 surrounding communities.

Plantation Towers 501 Plantation St., Worcester 508-752-6800 Ad on page 28 U.S. Dept. of Housing and Urban Development Thomas P. O’Neill Jr. Fed. Bldg.

10 Causeway St., Rm 321, Boston 617-994-8300; 800-827-5005 www.hud.gov

Binnall House 125 Connors St., Gardner 978-632-9650 www.schochet.com Ad on page 45 Bigelow Village P.O. Box 275, Rutland 508-886-6565 www.bigelowvillage.com Ad on page 44 Christopher Heights of Marlborough 99 Pleasant St. Marlborough 508-449-6301 www.christopherheights.com Ad on page 41 Framingham Green 136 Maynard Rd., Framingham 508-872-0500 www.peabodyproperties.com Ad on page 10 Goddard Homestead 1199 Main St. Worcester 508-753-4890 www.goddardhomestead.org Ad on page 13

HOUSING, SUBSIDIZED ELDERLY Most Subsidized Elderly Housing is for people 62 years and older, Rent is 30 percent of income.

Blackstone Housing Corp.

8 ½ Early Village Drive Blackstone 508-883-9802; Ad on page 33

Christopher Heights of Marlborough 99 Pleasant St. Marlborough 508-449-6301 www.christopherheights.com Ad on page 41 Colony Retirement Homes Inc. I & II 485 Grove St., Worcester; 508-8525285 www.colonyretirementhomes.com/ colony-1-2; Ad on page 16 Colony Retirement Homes Inc. III 101 Chadwick St., Worcester 508-7550444; www.colonyretirementhomes. com/colony-3; Ad on page 16 Colony Retirement Homes Inc. IV 123 Holden St., Worcester 508-853-2211 www.colonyretirementhomes.com/ colony-4; Ad on page 16 Colony Retirement Homes of Holden 68 Reservoir St., Holden; 508-829-4300 www.colonyretirementhomes.com/ colony-holden; Ad on page 16 Congregational Retirement Homes 200 W. Foster St., Melrose 781-665-6334; www.peabodyproperties. com; Ad on page 10 Framingham Green 136 Maynard Road, Framingham 508-872-0500; www peabodyproperties. com; Ad on page 10 Green Hill Towers 27 Mount Vernon St., Worcester 508-755-6062; TDD: 508-755-0228 Ad on page 50 Hawthorne Hill Elderly Housing 106 Main St., Rutland 508-886-6920; Ad on page 30 Irving Square Apartments 75 Irving St., Framingham 844-656-4361 www.equityapartments.com Ad on page 10 Sherwood Village 143-145 Mill St., Natick 508-651-1811 Ad on page 42 CONTINUED PAGE 40

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INFORMATION & REFERRAL SERVICES 800-Age-Info Resources for Mass. Elders 800-Age-Info; www.800ageinfo.com Fifty Plus Advocate Newspaper 32 South St., Westborough 508-366-5500 www.fiftyplusadvocate.com Massachusetts Executive Office of Elder Affairs 1 Ashburton Place, 5th Floor, Boston; 617-727-7750; www.mass.gov/elders The state secretary representing seniors.

Provides resources and info for seniors and caregivers

INSURANCE & FINANCIAL ASSISTANCE Blue Cross Blue Shield of Massachusetts Foundation www.massmedicaid.org The Blue Cross Blue Shield of Massachusetts Foundation seeks to expand access to health care for lowincome and vulnerable residents of Massachusetts.

Ad on page 56 Massachusetts Division of Health Care Finance and Policy www.massmedicaid.org/massachusettsdivision-health-care-finance-and-policy Administers the Health Safety Net, a fund set up to help pay for health services for certain low income uninsured and underinsured individuals

Massachusetts Division of Medicare Advocacy Project 197 Friend St., Boston 800-323-3205 Answers telephone queries and provides free advice and legal representation

Medicaid Managed Care

Recipient Help Line: 800-682-1062 www.mass.gov/eohhs/gov/newsroom/dph/ directory/helplines.html

MassHealth Enrollment Centers 800-841-2900 www.betterhealthconnector.com/about/ contact Chelsea: 47 Spruce St. ; 781-485-2500 Springfield: 333 Bridge St. 413-785-4100; 800-332-5545 Taunton: 21 Spring St., Suite 4 508-828-4600; 800-242-1340 Tewksbury: 367 E. St. 978-863-9200; 800-408-1253 MassHealth is a state sponsored program that pays for nursing and other medical services for financially eligible individuals residing at home or in nursing facilities, rehabilitation hospitals and state hospitals.

Eligibility is based on medical and financial criteria

LEGAL ASSISTANCE Boston College Legal Services LAB 885 Centre St., Newton Center Elder Intake: 617-552-0248 www.masslegalservices.org/programs/ boston-college-legal-services-lab The Boston College Legal Services LAB office is a community law office staffed by students and faculty from BC Law School. Our services are free for low income residents of Waltham, Watertown and Newton.

Disability Law Center, Inc. 11 Beacon St., Suite 925, Boston 800-872-9992 www.dlc-ma.org Provides free legal assistance and information to people with disabilities throughout Massachusetts

Durbin and Veglia Attorneys at Law 275R Main St., Oxford 508-987-3981 508-987-3982 www.durbinandveglia.com Ad on Page 19

Greater Boston Elderly Legal Services 197 Friend St., Boston; 617-371-1234 www.gbls.org Provides free civil (non-criminal) legal assistance to low-income people in Boston and 31 additional cities and towns

Fletcher Tilton PC, Attorneys at Law 370 Main St., 12th floor, Worcester 508-459-8000; Fletchertilton.com Ad on page 15 Harvard Legal Aid Bureau 23 Everett St., 1st Flr, Cambridge 617-495-4408 www.harvardlegalaid.org Provides free legal services to low-income people in Middlesex and Suffolk counties

Legal Assistance Corp. of Central Massachusetts Volunteer Lawyers Service 405 Main St., 4th Flr, Worcester 800-649-3718; 508-752-3718 79 Elm St., Southbridge 508-765-9290 www.livejustice.org; Provides free civil legal assistance to low-income and elderly residents of Worcester County

Massachusetts Attorney General Elder Hotline One Ashburton Place, Boston 888-243-5337 www.mass.gov/ago/consumerresources/consumer-information/ resources-for-elders/elder-hotline.html Provides information on such areas as guardianship, elder abuse, homestead protection and more

Massachusetts Bar Association Lawyer referral service 20 West St., Boston 617-338-0500; www.massbar.org Mass. Law Reform Institute 617-357-0700; www.mlri.org Nonprofit legal services support center.

Promotes social and economic justice through advocacy, education and legal action

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MetroWest Legal Services 63 Fountain St., Suite 304, Framingham; 508-620-1830; www.mwlegal.org Provides free, civil legal representation to low-income people who live in Metrowest area

MARKETING TO SENIORS & CAREGIVERS Fifty Plus Advocate Newspaper 32 South St. Westborough 508-366-5500 www.fiftyplusadvocate.com

Mental Health Legal Advisors Committee 24 School St., Suite 804, Boston; 617338-2345; 800-342-9092; www.mass. gov/mhlac Provides legal referrals, information and advice with regard to mental health issues

Pension Assistance Project Gerontology Institute UMass-Boston 100 Morrissey Blvd., Boston 617-287-7300 www.pensionaction.org/nepap.htm Offers counseling and assistance for citizens on their pension rights

MEDICAL EQUIPMENT The Oxygen Shoppe 83 Morse St., Norwood 917-793-9609 www.oxygenshoppe.com info@oxygenshoppe.com Ad on page 14

MEDICAL LABORATORY TESTING SERVICES Boulevard Pharmaceutical 149 Shrewsbury St.; Worcester 508-741-1791 www.boulevardcompounding.com Ad on page 44

MEMORY CARE The Residence at Orchard Grove 258 Walnut St., Shrewsbury 508-841-5735 www.residenceorchardgrove.com Ad on page 9 CONTINUED PAGE 42

Christopher Heights Assisted Living Quality Assisted Living for Every Budget

• Financial Options Available • Medication Reminders • Three Chef Prepared Meals Daily • Housekeeping & Laundry Service • Full Social Calendar • Daily Assistance with Personal Care Needs • Dedicated Staff On Hand 24/7

No Worries Pricing – The Christopher Heights Difference!

For more information or to schedule a tour, call the Admissions Director at 508-281-8001. www.christopherheights.com

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MENTAL HEALTH MA Dept. of Mental Health 25 Staniford St., Boston 617-626-8000; www.mass.gov/dmh Catholic Charities Family Counseling & Guidance Center 40 Independence Ave., Braintree 781-848-7840

361 Plantation St., 1st Floor, Worcester; 774-420-3140; www.mass.gov/dmh

NURSING HOMES Most nursing homes offer long-term, shortterm, and Alzheimer's care as well as hospice services

Beaumont Rehabilitation and Skilled Nursing Centers, Northbridge 85 Beaumont Drive, P.O. Box 940, Northbridge; 508-234-9771; www.SalmonHealth.com; Ad on page 51

Mass. Dept. of Mental Health, 165 Quincy St., Brockton; 508-897-2000

Adult Day Club at Dodge Park 101 Randolph Road, Worcester 508-853-8180; www.dodgepark.com Ad on page 48

Beaumont Rehabilitation and Skilled Nursing Centers, Westborough Three Lyman St., Westborough 508-366-9933; www.SalmonHealth.com Ad on page 51

National Alliance on Mental Illness (NAMI) of Massachusetts The Schrafft Center, 529 Main St., Suite 1M17, Boston 800-370-9085; www.namimass.org

Beaumont Rehabilitation and Skilled Nursing Centers, Natick Three Vision Drive, Route 9 West, Natick 508-651-9200; www.SalmonHealth.com Ad on page 51

Beaumont Rehabilitation and Skilled Nursing Centers, Natick 378 Plantation St., Worcester 508-651-9200; www.SalmonHealth.com 508-755-7300; Ad on page 51

Provides information, support and referral services to individuals with various forms of mental illness and their families

Beaumont Rehabilitation and Skilled Nursing Centers, Northborough 238 West Main St., Northborough 508-393-2368; www.SalmonHealth.com Ad on page 51

Heritage at Framingham/ Mary Anne Morse 747 Water St., Framingham; 508-788-6050 www.heritageassistedliving.org/ Maryannemorse.org; Ad on page 35 CONTINUED PAGE 43

Mass. Department of Mental Health - Central Mass. Area

Affordable Living at its Best Income Guidelines: $37,750 single / $43,150 couple Available occupancy to income eligible mature adults (62 years of age and older) or permanently disabled. Applicants must meet HUD annual low income guidelines. Qualified Applicants pay 30% adjusted gross income.

• Heat and Hot Water Included • 24 Hour Emergency Maintenance • Non-Smoking Community • Small Pets Welcome!

• Bus Route / Ample Parking • Beautiful Landscaped Grounds with Gazebo, Walking Paths and Garden Plots • Physical Fitness Center

Sherwood Village Apartments 143~145 Mill Street, Natick, MA

Call at 508-651-1811 For Details

Relax in Park-like setting

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Oasis at Dodge Park 102 Randolph Rd., Worcester 508-853-8180 www.oasisatdodgepark.com Ad on page 7 The Residence at Orchard Grove 258 Walnut St., Shrewsbury 508-841-5735 www.residenceorchardgrove.com Ad on Page 9

NUTRITION Elder Services of Worcester Area, Inc. 67 Millbrook St., #100, Worcester 508-756-1545; www.eswa.org Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester

Ad on page 26

Massachusetts Elderly Nutrition Program Information 617-727-7150; www.mass.gov

the growing season, usually July through October

Provides nutritious meals at home through meals on wheels and congregate meal sites

To find a local food pantry, also helps lowincome people buy food

Food Stamp Program (SNAP) 866-950-FOOD www.gettingfoodstamps.org Worcester County affiliates: Fitchburg: 473 Main St., 978-665-8700 Milford: 25 Birch St., 508-634-7100 Southbridge: 79 North St., 508-765-2400 Worcester: 9 Walnut St., 508-767-3100

Worcester County Food Bank 474 Boston Turnpike, Shrewsbury 508-842-3663; www.foodbank.org

Project Bread Food Stamp Hotline 800-645-8333; www.projectbread.org For food stamp applications

Farmers' Market Program 617-626-1700; Provides

Greater Boston Food Bank 800-645-8333; www.projectbread.org

Find a food pantry in Worcester County, Metrowest

OXYGEN The Oxygen Shoppe 83 Morse St., Norwood 917-793-9609 www.oxygenshoppe.com info@oxygenshoppe.com Ad on page 14

coupons redeemable for fresh produce at participating farmers' markets throughout

CONTINUED PAGE 44

You can live independently while dealing with health concerns.

VNA Care has more than 130 years of experience caring for older adults in their homes during times of illness or injury.

We help people manage chronic conditions like diabetes and COPD, get back on their feet after surgery, and ease the pain and symptoms of advanced and terminal illnesses.

Home health, hospice, and palliative care services tailored to your needs and goals are just a phone call away:

800-521-5539 www.vnacare.org Join VNA Care at a free Keep Well Clinic Seniors can meet one-on-one with an RN for health screenings and more.

Schedule at: www.vnacare.org/keepwell

Serving more than 200 communities in Eastern and Central Massachusetts Hospice Residences in Cambridge, Needham, and Worcester

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PENSION PLAN ASSISTANCE N. E. Pension Assistance Project, Gerontology Institute University of Massachusetts Boston 100 Morrissey Blvd., Boston 617-287-7307; 888-425-6067 www.pensionaction.org Help locating pension funds, explaining pension provisions and addressing pension eligibility issues. Free, confidential counseling and assistance. Provides list of specialized attorneys and financial advisors

Pharmacy Outreach Program Mass. College of Pharmacy and Health Sciences 25 Foster St., Worcester; 866-633-1617 www.mcphs.edu/pharmacyoutreach Provides information on various insurance programs and how to receive free, low-cost or discounted medications from various sources. Offers clinical information from licensed pharmacists, counseling on compliance issues and options for lower cost medications

Prescription Advantage 800-243-4636; www.800ageinfo.com

REAL ESTATE PRESCRIPTION DRUG ASSISTANCE SERVICES Sell Mom's House 157 Cullinane Dr. Marlborough; 774-696-6124 www.sellmomshouse.com Ad on page 11

Boulevard Pharmaceutical 149 Shrewsbury St.; Worcester 508-741-1791 www.boulevardcompounding.com Ad on page 44

REHABILITATION HOSPITALS Athol Hospital 2033 Main St., Athol 978-669-5982; www.heywood.org Ad on page 8

REHABILITATION & SKILLED NURSING SERVICES Athol Hospital 2033 Main St., Athol 978-669-5982; www.heywood.org Ad on page 8 Care Solutions 176 East Main St., Suite 1, Westborough www.homecaresolutionsma.com 508-366-1760 Ad on page 29 CONTINUED PAGE 45

Established in 1931

Tired of Taking Oral Pain Medication?

508-886-6565 Call Bonnie Besse for more information Lewis St. off Maple St.

Topical pain cream may be your answer‌ Minimize unwanted side effects through the use of transdermal pain creams.

We use the newest technology and products for safe and effective absorption. The pharmacists at BPCC work closely with prescribers to design proper treatment regimens.

Contact us today to get on a path to a pain free lifestyle!

Toll Free: (855) 345-4296

Proud Members of PCCA, IACP, MIPA We accept most major insurances

149 Shrewsbury St. Worcester

New Hours of Operation M-F 9am-6pm!

BOULE VARD Pharmaceutical Compounding Center

Info@blvdcompounding.com www.boulevardcompounding.com

Open House Sundays 11-3 PM

“Lighting the way‌to a new beginningâ€?

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Custom Homes Create and design your own home, each home is Energy Star built especially for you.

Financing is available

$130,000 WR $200,000

This a land lease community so all of your money goes directly into your home, not the land.

0DSOH $YHQXH ‡ 5XWODQG 0$ ò PLOH IURP WRZQ FHQWHU

2018 ~ 2019

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Leominster Crossings 1160 Main St., Leominster 978-537-2424 Ad on page 26

Oasis at Dodge Park 102 Randolph Road; Worcester 508-853-8180; www.oasisatdodgepark.com Ad on page 7

Notre Dame Health Care 555-559 Plantation St., Worcester 508-852-3011; www. notredamehealthcare.org Ad on page 14

REVERSE MORTGAGES

United Healthcare Community Plan 950 Winter Street Suite 4830, Waltham 781-472-88513 www.uhc.com; Ad on page 2

Central One Federal Credit Union 714 Main St., Shrewsbury 800-527-1017; www.centralfcu.com Ad on page 18

TRANSPORTATION

REST HOMES Dodge Park Rest Home 101 Randolph Road, Worcester 508-853-8180; www.dodgepark.com Ad on page 54 Goddard Homestead 1199 Main Street, Worcester 508-753-4890 www.goddardhomestead.org Ad on page 13

Helping Hands Community Partners, Inc. 40 Accord Park Drive, Suite 208, Norwell; 781-878-5626; www.hhcp.org Ad on page 49

SENIOR CARE OPTIONS (SCO) / HEALTH INSURANCE

Assabet Valley Council on Aging (AVCOA) Transportation 1 Centre Drive,Northborough 508-393-1600 Serves Boylston, Marlborough, Northborough, Southborough, Westborough

Cohasset Elder Affairs 3 N. Main Street Cohasset; 781-383-9112 www.townofcohasset.org/elderaffairs/ transportation/ CONTINUED PAGE 48

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What is the difference between dementia and Alzheimer’s?

By Micha Shalev MHA CDP CDCM CADDCT, Dodge Park/Oasis

A

bout 5 million Americans, or 10 percent of those over 65 years of age, suffer from Alzheimer’s disease according to the Fischer Center for Alzheimer’s Research Foundation. Yet, despite the prevalence of this condition, there exists a great deal of confusion over what it is and what causes it.

When a loved one begins to have trouble with their memory, we panic. Is it Alzheimer’s? There is a difference between Alzheimer’s and dementia. Learn the differences so that you can be well informed.

One of the most common question I am frequently asked is "What is the difference between dementia and Alzheimer's disease?" On one level, the answer to this question is relatively easy and straightforward. Doctors are some of the best at confusing us.

Physicians seem to prefer the word "dementia," possibly because Alzheimer's has become such a loaded word. "Dementia" somehow sounds less frightening to many people, and now even the experts have started using the words interchangeably.

They aren't interchangeable. Alzheimer's disease and dementia are two very different things.

In order to explain the difference between dementia and Alzheimer’s, one first needs to know what dementia is. Dementia is the deterioration of our cognition. In Latin it means “apart mind” or that your mind is losing the grip of your body. It is important to understand that dementia consists of signs and symptoms. This is because it is a syndrome and not a disease like Alzheimer’s. There are many causes for dementia and it can be progressive or stable.

Dementia is a non-specific syndrome that targets different areas of the brain. For this reason there are

many different symptoms associated with dementia. Typical areas of the brain that are affected are: communication, memory, orientation, problem-solving and attention. We speak of dementia when someone has significant memory loss plus another impairment that both cause social dysfunction. Unlike Alzheimer’s, dementia is not a disease in itself.

It is a syndrome and it has a variety of causes from which Alzheimer’s is one of them.

Alzheimer’s disease is characterized by the appearance of plaques and tangles in the brain. You can find these tangles and plaques in every aging brain, but in people with Alzheimer’s disease there is an abnormal quantity. These plaques and tangles interfere with the functioning of different areas of the brain. Therefore Alzheimer’s is also called pathological rapidly aging of the brain.

So the exact difference between dementia and Alzheimer’s is that dementia is a non-specific syndrome

and Alzheimer’s is a specific disease.

Many people cannot explain the difference and this is probably because Alzheimer’s is the most prominent cause of dementia. Almost 70 percent of all people with dementia have the type of Alzheimer’s. Other causes of dementia are stroke, Parkinson’s, Lewy body disease, Fronto-temporal dementia, Huntington’s and even AIDS/HIV. But is it important to know what type of dementia patients have? In fact it sure is. Although there is a large variety of symptoms between all types of dementia, every type is characterized by certain specific symptoms. Your doctor or your neurologist are specialized in finding out what is the difference between dementia and Alzheimer’s. Their professional examination often results in a correct diagnosis.

Micha Shalev MHA CDP CDCM CADDCT is the owner of The Oasis at Dodge Park, Dodge Park Rest Home and The Adult Day Club at Dodge Park located at 101 and 102 Randolph Road in Worcester. He is a graduate of the National Council of Certified Dementia Practitioners program, and well-known speaker covering Alzheimer’s and dementia training topics. He can be reached at 508-853-8180 or by email at m.shalev@ dodgepark.com or view more information online at www.dodgepark.com. Archives of articles from previous issues can be read at www.fiftyplusadvocate.com.

2018 ~ 2019

A Simple Cremation …

More people than ever before are choosing cremation. It is a meaningful and respectful, yet simple tribute.

Whatever your reasons for selecting cremation, the Cremation Service of Central MA will make sure that it is dignified in every respect. Visit our website to see how you can make all arrangements in the comfort of your own home.

Sign up online when a loved one dies.

It’s affordable … and simple.

14 Walker Street, Suite A Leominster, MA 01453 844-380-7313 cremationscma@gmail.com www.cremationserviceofcentralma.com

You don’t have to live with hearing loss.

Millions of Americans needlessly suffer from hearing loss. If you are having hearing problems, the Hearing Aid Center at Reliant Medical Group can help. Our certified audiologists will carefully evaluate your hearing and then fit you with a digital hearing aid that can be customized to your individual needs.

Don’t miss out on the conversation.

Call (508) 368-3914 to schedule your complimentary hearing aid consultation.

Suite 300 | 123 Summer Street

The Hearing Aid Center at

Worcester Medical Center (508) 368-3914 www.reliantmedicalgroup.org/hearing

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Family Services of Central Mass.

31 Harvard St., Worcester 508-756-4646; www.fscm.org Ad on page 27 Framingham Public Transportation - The Lift Memorial Bldg., Rm. B14 150 Concord Street, Framingham 508-620-4852 Gardner Athol Area Mental Health Association (GAAMHA) Transit 208 Colen St.; Gardner; 978-632-0934 www.gaamha.com/transportation Serves Athol, Baldwinville, Barre, Gardner, Leominster, Rutland, Templeton. Door-todoor service for physically challenged elders

Gardner Community Action Committee 294 Pleasant St., Gardner; 508-632-8700 Medical transportation throughout Northwest Worcester County

K's Ambulance 94 Main St., Oxford 508-987-2254 www.kambulance.com Ad on page 18 MAB Community Services 799 W. Boylston St., Worcester 508-854-0700; 888-613-2777; www.blind.org Serves Central and North Worcester Country.

Provides out of town medical transportation and escorts to visually challenged elders

Marlborough Council on AgingTransportation Marlborough Senior Center 40 New St., Marlborough 508-485-6492 Merrimack Valley Regional Transit Authority 85 Railroad Ave., Haverhill 978-469-6878; www.mvrta.com

Montachusett Regional Transit Authority 1427 Water St., Fitchburg; 978-345-7711 www.montachusettrta.org Serves Ayer, Fitchburg, Sterling, Winchendon

Newton Dept. of Human Services Newton City Hall, 1000 Commonwealth Ave.; 617-552-7170 Provides Medical/Ambulances for Newton residents

Oxford Council on Aging 323 Main St., Oxford 508-987-6000; www.town.oxford.us Spencer Eldervan Dispatcher 157 Main St., Spencer 508-885-7545 SCM Elderbus 124 Southbridge Road, Charlton 508-248-1050; www.scmelderbus.org Serves Barre, Brimfield, Brookfield, East Brookfield, North Brookfield, West

CONTINUED PAGE 49

ADULT DAY CLUB Care for your parent or spouse while you’re at work or just when you need a break.

• Engage the mind, strengthen the body • Hot meals and snacks and brighten the spirit • Extended hours and weekends to fit caregivers schedules • Transportation available • Available 7am - 7pm, seven days • Regularly scheduled entertainment, a week - you choose the hours special events and outings

Schedule a Tour & See Why We’re

#1 On Caring.com in MA

5 YEARS IN A ROW

––– The Most Affordable Program in Central MA –––

101 Randolph Road, Worcester, MA • DodgePark.com • 508-853-8180

2018 ~ 2019

CONTINUED FROM PAGE 48 Brookfield, Charlton, Douglas, Dudley, Holland, New Braintree, Oakham, Princeton, Rutland, Southbridge, Spencer, Sturbridge, Sutton, Wales, Warren and Webster

The RIDE, MBTA 800-533-6282 www.jv-theride.com or email THERIDE@mbta. com Paratransit program provides door-to-door transportation to those with physical, cognitive or mental disabilities. Services Boston and towns located in Metrowest, North Shore and South Shore

Uxbridge Council on Aging 36 S. Main Street Uxbridge 508-278-8622 South Shore Courtesy Coach 55 Fogg Road S. Weymouth; 781-3404350 For appointments at South Shore Hospital or affiliated physicians whose office is within a mile radius Worcester Regional Transit Authority (WRTA) Bus Service: 508-791-9782 Van Division: 508-798-4015 www.therta.com Provides curb-to-curb service for individuals 60 and older: medical appointments, grocery shopping; ADA for handicapped individuals who cannot take public bus) Serves Central and North Worcester Country. Provides out of town medical transportation and escorts to visually challenged elders

VETERANS Boston Veterans Medical Center 150 S. Huntington Ave. Jamaica Plain 617-232-9500 www.va.gov Disabled American Veterans State House, Room 546, Boston 617-727-2974 www.dav.org Massachusetts Department of Veterans Services Executive Office for Administration and Finance 600 Washington St., Suite 1100, Boston 617-727-3578, ext. 101 www.state.us/veterans Provides advocacy and referrals

Massachusetts Veterans Healthcare System www.boston.va.gov To find a medical center or clinic

U.S. Veterans Administration Regional Office; JFK Federal Bldg.

Room 1575E, Boston; 800827-1000

A Reverse Mortgage is not for everyone.

The official reverse mortgage consumer bookletapproved by the U.S. Department of Housing & Urban Development

But everyone should know the facts about a Reverse Mortgage and how it works.

Helping Hands Community Partners, Inc. is a non-profit 501(c)(3) with a mission of educating senior homeowners about housing options. We can explain and, when appropriate, arrange reverse mortgages.

Call or email to receive a FREE copy of the National Council on Aging’s 36-page “Use Your Home to Stay at Home,” consumer booklet.

Call to get your FREE copy of “Use Your Home to Stay at Home”

(781)- 724-6221 Or email to: info@hhcp.org

VA-Boston 781-825-3868 www.newengland. va.gov/50plus Ad on page 6 Massachusetts Mortgage Broker License MB1553939 NMLS #1553939 We arrange but do not make loans.

www.hhcp.org 40 Accord Park Dr, Ste 203, Norwell, MA 02061

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2018 ~ 2019

NEWLY REMODELED APARTMENTS with a contemporary flair

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‡ Within the building amenities include:

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Green Hill Towers

0RXQW 9HUQRQ 6WUHHW :RUFHVWHU 0$ ‡ OFFICE OPEN DAILY 8:00AM - 4:30PM To receive an application please call 508-755-6062 TDD# 508-755-0228 Available occupancy to income eligible mature adults (age 62 years & older) or permanently disabled. Applicants must meet HUD annual low income guidelines.

Preference is given to individuals 62 and older.

Managed by Financed by MHFA

2018 ~ 2019

CARING FOR FAMILIES ACROSS THE GENERATIONS

W W W.S A L M O N H E A LT H .C O M

800.446.8060

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Reverse mortgages: Get the facts

By Alain Valles, CRMP, President, Helping Hands Community Partners, Inc.

H

elping Hands Community Partners, Inc. is the only 501(c)(3) nonprofit Massachusetts licensed reverse mortgage broker focused on sharing information with seniors and their family members about the pros and cons of reverse mortgages.

Helping Hands’ mission is to educate seniors about home financing options and, when appropriate, arrange reverse mortgages.

Reverse mortgages often conjure dire outcomes. But the facts are just the opposite. With changes to the government-insured loan program, formally called a Home Equity Conversion Mortgage (HECM), the loan program is saver, and, under many circumstances, have resulted in a drastic cut in costs.

Financial and estate planners, tax specialists, attorneys, charitable organizations, religious leaders, housing counselors, and the adult children of seniors are realizing the fact that reverse mortgages give homeowners age 62 or older financial options to remain independent in their own homes. Lori Trawinski, director of banking and finance at the AARP Public Policy Institute, writes, "We think reverse mortgages can be a useful tool for some people.�

AARP does not endorse any reverse mortgage lender or product, but wants its members to have the information they need to make an informed decision about these loans. At Helping Hands, we couldn't agree more. Not everyone should get a reverse mortgage but everyone should understand the merits of a reverse mortgage.

We think reverse mortgages can be a useful tool for some people.

Lori Trawinski, director of banking and f inance at the AARP Public Policy Institute

Continues on 53

2018 ~ 2019

53

Reverse mortgages: Get the facts Reverse Mortgages continued from page 52

Some of the many reverse mortgage benefits include: • No required monthly mortgage payments on borrowed funds • Increased monthly cash flow, which allows for increased cash flow • Access to tax-free cash if needed later in life • Option to receive monthly cash for as long as one lives in the home • Ability to receive funds for home repairs or pay off other debts • Peace of mind in case cash is needed for medical emergencies • Allowed to close in a trust or life estate • You do not sign personally for the money (loan is non-recourse) and your children are not obligated to repay the loan • You retain ownership of your home

and you receive the profit if you sell with no prepayment penalty • Augment your retirement plans or replace lost job income with monthly cash • You can even use a reverse mortgage to purchase a home • Opportunity to have an active retirement and enjoy life!

• Note: you are responsible to pay your property taxes and insurance, maintain your property, and meet other loan guidelines

You are encouraged to receive information by calling or emailing us to receive a free copy of the National Council on Aging's "Use Your Home to Stay at Home" which is the official federally approved consumer booklet for older homeowners considering a reverse mortgage along with your own customized benefits comparison report. We are a nonprofit committed to serving you and the community. Please take the first step and contact us at 888-681-2299 or by email at info@hhcp.org or visit www.

So, if reverse mortgages have so many hhcp.org. benefits, why do many people think they Helping Hands Community Partners, Inc. are bad? The simple answer is most is licensed and approved as a Massachusetts people are misinformed or uniformed. Mortgage Broker License# MB1553939 and A reverse mortgage is not for everyone. the Nationwide Mortgage Licensing System NMLS#1553939. We arrange but do not make There are strict guidelines and protec- loans with headquarters at 421 Elmwood Ave, tions built into reverse programs.

Providence, RI 02907

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2018 ~ 2019

Affordable & Safe Residential Care For Seniors One of life’s greatest challenges is deciding when a loved one is no longer capable of living independently. At Dodge Park, we provide outstanding residential care.

A Higher Level of Care Than Assisted Living...

More Affordable Than a Nursing Home.

Your loved one will be cared for in a home-like setting. Our unique concept of care includes:

• Memory impaired program • Complete medication management • 24 hour RN and Medical Director • Daily therapeutic bath/shower Schedule a Tour & See Why We’re #1 On Caring.com in MA

5 YEARS IN A ROW

• Activity program 7 days a week • Special diet accommodations • Post hospital / Rehab / Surgery care • All inclusive - All included program

Your loved one can stay even if funds run out!* *Subject to DPH & EAEDC approval.

101 Randolph Road, Worcester, MA • DodgePark.com • 508-853-8180

2018 ~ 2019

We work as a team,

TEAMWORK because that’s what works best for you.

As a Reliant patient, you can count on a team of familiar faces who work together to keep you healthy. Collaboration, consistency, support, and compassion — everything you expect from a healthcare team at the top of their game. Learn more about us at reliantmedicalgroup.org.

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IT’S NOT TOO LATE TO GET MEDICARE SUPPLEMENT COVERAGE YOU CAN DEPEND ON. CHOOSE A MEDICARE SUPPLEMENT AND PREVENTIVE DENTAL PLAN WITH THE RELIABILITY OF BLUE CROSS. Enroll in a Medex®' Medicare supplement plan from Blue Cross Blue Shield of Massachusetts and get the out-of-pocket savings you want with the quality and dependability you need. After all, we’ve been serving Massachusetts residents since 1966. Add our affordable Dental BlueSM 65 Preventive plan, and you’ll be covered from head to toe by Blue Cross — at a price that fits your budget.

Learn more about your options at www.bluecrossma.com/medicare or call 1-800-678-2265 (TTY: 711).

Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association. ®, SM Registered Marks and Service Marks of the Blue Cross and Blue Shield Association. ®' Registered Marks of Blue Cross Blue Shield of Massachusetts. © 2017 Blue Cross and Blue Shield of Massachusetts, Inc.