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Departments 20 22 24 25 27 28 33 35 43
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Choosing the Best In-Home Care Choosing An Assisted Living Residence
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Local Activists… Positively Friendly
Reference For the Active 55+ Generations
Volume 11
Moonshiners… Still Interesting
2012 - ‘13 Edition
22
Account Executive Regina Dickerson
Important Phone Numbers
Dear Reader I hope you will find this 11th annual edition of GYG our most interesting (and useful) yet! The two major stories, about current local political activists and not-so-current legendary moonshiners, have been fun to deal with. Many don’t realize how influential the 65+ segment of the U.S. electorate is on our politics, at all levels of government. It has been said by credible sources that people over the age of 65 vote much more heavily than people below that age. In the midterm elections, people over the age of 65 voted about three times the rate of people who are 18 to 24. This certainly makes sense in that many are retired (or semi-retired) and have the most free time to focus on issues and candidates and form an opinion. Also, seniors generally are more dependent on government and most vulnerable to policy changes. I’m thankful for the friendly persistence of Amy Wilson, who finally convinced me to publish her timely article about moonshiners. Many of you have expressed an interest in local history, so you should also check out the article on page 18 about LynchburgHistory.com. Please let me know of any suggestions or criticisms you may have about this GYG...and thanks to all for their support...especially the advertisers that make this publication possible. Dan Curran
To advertise in next year’s edition of Greater Lynchburg’s Golden Years Guide, please contact the publisher, Dan Curran: Dan Curran: Phone: 434-455-2726 E-mail: Dan@AllAmericanPub.com
Copyright 2012, All-American Publications LLC, Lynchburg, VA. All rights reserved. The reproduction of this Guide in any form is prohibited without written permission from the publisher. The information herein has been obtained from sources believed to be reliable. However, there is no warranty, expressed or implied, made by the publisher regarding its accuracy.
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MOONSHINING...
Still( ) of Interest s
C
urrently our society seems to be knee-deep in the subject of the moonshining of earlier days. Three new books on the subject are soon to be published. In addition, a major motion picture entitled Lawless is about to be released. In Rocky Mount, Virginia, an annual moonshiner’s re-enactment takes place every April. There have been several recent television shows (one filmed just south of Lynchburg) and exhibits of moonshine stills at museums in Amherst, Ferrum and Martinsville. And in September 2012, a new exhibit opened at the Bedford Museum and Genealogical Library. The Urban Dictionary definition: Moonshine is illegally distilled homemade whiskey, usually with a very high alcohol content. It got its name because it was normally distilled at night “by the light of the moon.” This was to avoid detection of the smoke from the fires used in processing the mash. Today, most modern moonshiners are using smokeless propane gas.
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Although neighboring Franklin County has long been considered the moonshine capital of the world, closer to home we have seen our share of illegal stills, moonshiners, bootleggers, imbibers, revenuers, raids and arrests. I am certain many readers of this article could add a few stories about moonshining, for everyone I mentioned the subject to spoke of knowing someone connected to “the business” at one time or another. Making moonshine is an ancient art, practiced for many centuries. One old guy recently drawled “It gits in your blood”. Turning corn and other ingredients into distilled liquid spirits was one way for rural folks to earn money, especially during the Great Depression, often in places where there was no other means - the only way to make money. In some cases it meant survival even if it meant breaking the law. The media has often stereotyped moonshiners as barefoot, illiterate, lazy drunks wearing floppy hats, when in fact most were poor, hardworking farmers utilizing their home grown
By: Amy Martin Wilson
products. Many felt it was their God-given right to use their property as they wished. But the government felt taxes should be collected on their product, just like the legal distilleries; hence, the conflict. This article is not intended to glorify an illegal activity which has no doubt caused misery and suffering for some, but nevertheless is a part of our history and culture. Obviously there was, and still is, a market for it - a big business. Since the beginning of 2012, several local raids have reportedly
John Wright, former Director of the Enforcement Division of the Virginia Alcoholic Beverage Control
yielded hundreds of gallons of il- tured, released, then captured a sec- ity; they made do with oil lamps and legal whiskey as well as hundreds ond time at Gettysburg and held a battery powered radio on which of black pot stills, plus weapons and there until the end of the war. they listened to the news and councash. On the other hand, today there In 1980, the Lynchburg News try music from the Grand Ole Opry. are small turnip stills in basements and Advance ran an article on some “The walls of the kitchen were and sheds, producing fruit brandy ex-moonshiners from Amherst covered with old calendars and picof a quality that would stun devo- County, brothers Edd and Kyle tures of movie stars and country tees of single malt Scotch. music stars, probably priceThere is a world of difless to today’s collectors. ference between those small Their water supply was producers and the big time from a mountain spring, producers of 800 gallon black which ran into a spring pot stills, who have no regard house where they kept peror concern for the quality of ishables. Their bath room their product or the effect it was an outdoor privy. The has when it hits the streets. closest neighbor was about Mr. John Moore Wright four miles away. of Amherst is the former “They lived off the Director of the Virginia Alland, raising gardens and coholic Beverage Control hunting wild game; they (ABC) Enforcement Division, Lane Rakes, former moonshiner from Franklin County, Virginia were very adept at catchheadquartered in Lynching fish from the streams. burg, which covered the city and Cash. Mr. Wright was familiar with Their sister would from time to time surrounding counties. He worked these brothers, having arrested them bring them staples such as flour, closely with the Alcohol, Tobacco once, and has related to me many of sugar, salt, coffee, etc. They never and Firearms (ATF) personnel. his experiences from his days as a lacked for company; folks from as Born in 1941 in Lynchburg, he “revenuer,” some of which follow. far away as Richmond would come spent his first ten years in Roseland Names in some of the following up on weekends, camp out in their in Nelson County before moving to cases have been changed to protect front yard and play blue grass music Amherst to the house in which he the innocent (and maybe the guilty). with them. still resides. The Roseland home In these instances I have substituted “Their father had written a where his family had lived was com- some of the most common Ameri- moonshining song which Kyle loved pletely washed away during the can surnames per the 1990 Federal to sing and play for me (Wright) 1969 flood, as was so much of that census. Any similarities to names on his five string banjo during my area. of actual people living or dead are regular visits to them. They told me “Roseland was never the same purely coincidental and unintended. they never fooled with moonshinafter that August night,” Mr. Wright ing, but I knew better and waited The Old Mountain Log Cabin states. “I helped with the body recovfor a chance; I had to wait for sev“The Cash brothers, who had ery, an experience I will never forget eral years, but finally caught them, never married, lived in a two room and still have dreams about it.” which was my job. log cabin that was well over 100 His great grandfather, John I. “They had an old red rooster years old, located on a small, clear Loving of Nelson County, fought named ‘Mr. Red’ and an old brown creek full of native brook trout. in the Civil War, where he was caphound named ‘Mr. Brown.’ I would They had no phone and no electric-
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take Mr. Brown a dog biscuit or two every time I visited, and we became good friends. One day my partner and I rode up to see the Cash brothers but they were not at home. After a little snooping, we found the new path to their still and followed it. Mr. Brown was on watch duty, but I gave him his usual dog biscuit and he just laid there patting his tail and never barked. We found the still that day and I had to arrest the brothers. When we went to court, I told the judge the Cash brothers had caused me no problems. He fined them and then suspended the fine. Afterwards I remained friends with them until they both died. “From time to time I go back up there to the little cabin to reminisce.” During the 1980 interview with a newspaper reporter, the brothers
He was always dressed in a pair of dirty blue jeans and a T-shirt that looked like it had not seen soap and water for weeks, if not months. His footwear was normally a pair of light-weight ladies’ tennis shoes which wouldn’t hinder his speed when he needed to get away in a hurry. Mr. Jones’ eyes had a certain twinkle to them like he knew something you didn’t and he probably did, for he was a master at being woods-wise and knowing how to make liquor and get away with it. “His still was located about two miles from his house and the day we found it, it was in operation. As we attempted to set up around the still to enable us Just over the line in Nelson to raid it, Jones saw or heard someCounty, Massie Thompson, 73, an- thing he didn’t like which made him other retired moonshiner and neigh- suspicious and he immediately vanbor, cautioned folks against drinking ished into the thick woods, not to be moonshine made in steel instead of seen again. This still was destroyed copper. “That stuff could kill you. and we chalked up a win for Mr. talked about their days of making The only one I’d drink is my own.” Jones. moonshine, which they had learned And he had made it since he was “A year or so later, we located an from their father. They claimed they 15 years old, quitting he said in the apple brandy still that belonged to could tell good from bad moonshine mid-1930s. him, about five miles from his home, and could tell what proof it was by hidden in a thicket on the bank of a Making Blackberry Brandy just sniffing the jug! small creek. Each morning right at “Mr. Jones was a small-built man If they suspected one of their daylight, Jones would come driving - thin as a rail, not over 150 pounds stills had been found “we would just slowly down the road in his rattle - but he could run like a deer with a change hollers.” In any case, their trap of a pick-up truck, checking pack of redbone hounds on its tail.
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stills were always located miles from the cabin and they would walk there every day through the woods and over the mountains and valleys. They had a system for being alerted in case the law came around.
|9
to see if everything was ok. After watching this operation for about three weeks, we decided we needed to slip in and see if we could determine when it was going to be put
decided he didn’t want a jury trial and elected to have Judge William Sweeney determine his fate. “Mr. Jones obtained one of the well-known lawyers from over in Rocky Mount, Virginia, who had “One lenient, understanding judge agreed to let a been very successful in liquor cases convicted moonshiner out of jail once a day to go home to in Franklin County. Jones was found feed his cows” guilty and received the maximum penalty which was three years. into operation. What a mistake that mined to catch Mr. Jones. “When Judge Sweeney senwas! Little did we know that he was “On the 14th day, he picked tenced him, Jones’ attorney defianthiding in the woods watching his up the copper still that was in the ly jumped up in the courtroom and still to see if anyone was checking tall weeds, took it to his yard and said “Your honor, a little ole still like on it. When we started in, he saw set it up on two cinderblocks. He this would probably be dismissed in us and off he went. There was no then started bringing out five gal- Franklin County.” Judge Sweeney use to try and catch him because we lon buckets of ferhadn’t seen him do anything that mented blackberwas illegal. Besides we couldn’t ry juice. He had have caught him anyway. Another poured one bucket win for Jones and another defeat for into the still when ABC and ATF. he called to his “Another year went by and we wife and told her finally got the break we had been to bring out some looking for. We received a visit from dough to seal the an informant who had in the past cap. At that point, made liquor with Jones but now was we knew we had on the outs with him. He told us that him. Jones was going to make a run of “He then told blackberry brandy right in his back- one of his boys to take the dog and looked down over his glasses at him yard up close to his house. My part- check around some. The dog picked and said emphatically, “Mister, you ner and I slipped in near his house up our track and came directly to are not in Franklin County today!” and found a small copper still hidden us and started barking. The kid folThe Pretend Game Warden in some overgrown weeds. The next lowed and saw us lying there and “Mr. White made illegal liquor morning at first light, Jones, his wife yelled ‘Daddy, Daddy, the ‘dern’ law with his son and father. He liked to and two young sons came out of the is out here.’ ride up and down the river on an house carrying buckets and headed “With that announcement, old white sway backed horse, callacross the road into a large field Jones kicked the still off the cindering himself a game warden. Because that was full of blackberry vines. blocks and blackberry juice went evhe was usually armed with a pistol At noon, they returned and dumped erywhere, and as he started to run, strapped to his side, most people their buckets of blackberries into a I yelled for him to stop, that he was were reluctant to fish in the area. large barrel that was located on the under arrest. After a few yards, he He had a reputation far and wide back porch. They resumed picking stopped and I handcuffed him. He for being an excellent bear hunter;
10 |
until supper time, and they all continued picking blackberries every day from sun up to sun down. “Our surveillance lasted for 14 straight days, but we were deter-
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he maintained a pack of good bear dogs and was known for the number
ness and she was said to be mean as ‘Oh, yes, that’s where Mr. Jackson a rattlesnake. I know for a fact she lives that makes that good apple brandy.’ ”
“One suspicious agent, seeing stacks of 100lb. sacks of sugar, asked the country store merchant why his customers bought such large quantities. “I reckon they drink a lot of coffee.”
Legal Distilleries My grandfather Martin never made or sold illegal liquor as far as I know, but one of his brothers made of bears he had killed. kept a shotgun and never hesitated moonshine in Amherst County in the “During all my years of work- to pull it on any agents who came ‘30s. He kept his hooch in an outbuilding stills and chasing violators, Mr. around. ing on the farm at the foot of Tobacco White was by far the fastest man I “Their apple brandy made its Row Mountain. My grandfather and have ever seen. He could flat his son-in-law, Philip Sprinout fly through the woods, upkle, were in the wholehill or down. I knew the day sale oil and gas business would come when I would in Lynchburg, but Philip’s have to try to catch him. That grandfather and several day came in the late ‘60s when other relatives made illegal my partner and I found the whiskey in notorious Willocation of his still. The cap kes County, North Carolina. had been removed and it was However, after prohibition, obvious the Whites had just using their knowledge and finished a run of liquor. We expertise, they converted moved in and told them they to the legal and prosperous were under arrest. Mr. White manufacture of spirits. Ocbroke and ran straight up casionally an empty Sprinthe side of the mountain and kle Distillery jug shows up never slowed down. I didn’t for sale on E-bay even toeven try to catch him. We The mash fork was made by Lane Rakes. He retired from the day. cuffed the other two but had profession in the ‘80s but now has been unofficially named John Wright is now a to wait to arrest Mr. White at “Mountain Man Moonshiner” by the Franklin County Historical retired active senior who Society. The fork was used to mix and stir the mash to prevent his home late at night. it from sticking or burning during the cooking process. His family stays busy hunting, fishing, “They were all put on pro- has been making liquor since they immigrated to America from doing yard work and trainbation and Mr. White later Ireland in the 1780s. A man of few words, when asked who ing his new puppy, Jake. He became a part time informant hauled his moonshine, he said, “Mine was so good, people came closely follows happenings to me.” When asked why he had never been caught, he said, “I for me. He is now deceased.” in the world of moonshinjust stayed one step ahead of ‘em.” Northern Connections ing via computer and stays “Mr. Jackson was notably the best in touch with his former colleagues. way to Detroit, Chicago, and points brandy maker in Nelson County. His Mornings you can find him joining north. A story was told about a product was relished by many ‘upfriends at a local deli for coffee. He guy in a bar in Detroit. Someper class’ folks on both sides of the said, “These old legs have carried me one asked him where he was from Mason-Dixon line. He came from a many a mile during my 31 years of and he replied ‘Nelson County, bootlegging family. His mother was chasing moonshiners and bootlegVirginia.’ The guy from Detroit said, the head of that liquor making busigers, but I loved every minute of it.”
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Local Activists Positively Friendly!
By: Sharon Wright Forbidden topics for discussion at friendly gatherings are politics and religion because both address our beliefs and values, not just recent news or events. In this election year, The Golden Years Guide dared to ask questions of local activists, who then agreed to pose amicably for our cover photo. No war broke out, and the friendly repartee that marked the session might best exemplify the strengths of our American political system. Participants in our question-andanswer session were Wendell Walker, current 6th Congressional District Chairman and former Lynchburg Republican Committee chair; Gerald Cheatham, Chair of the Lynchburg Democratic Committee; George Caylor, founder of the “Tea Time” radio program and chair of Education for the Lynchburg Tea Party; and John Lawrence, former chair of the Lynchburg Democratic Committee. Many voters note that our current federal government is failing us on multiple levels, and some believe a multi-party system might relieve the gridlock that has resulted from two parties that moved toward extremes in order to distinguish themselves rather than team up and compromise to get things done. Parliamentary systems, common in Europe, give legislative representation proportional to the percentage of votes received by any participating party. Though in fact the U.S. has sprouted legitimate and active third-party candidates associated with Ross Perot’s Reform Party, the Green Party, the American Independent Party, or the Libertarian Party, only two parties still dominate American politics. Those dedicated to one party will cite their alignment with party platform issues and values. Wendell Walker,
14 |
a lifelong Republican agrees with the principles he associates with the GOP: free enterprise, equal rights, individual responsibility, government fiscal responsibility, a strong national defense, and the importance of faith in God. George Caylor, who acknowledges that Democrats John F. Kennedy and Congressman Larry McDonald (both now deceased)
From left: George Caylor, Tea-Party/ Republican; Gerald Cheatham. Democrat; John Lawrence, Democrat; Wendell Walker, Republican… at Charley’s for lunch recently.
were true Constitutional Conservatives, nevertheless believes Republicans to be generally more conservative than Democrats. Gerald Cheatham, a lifelong Democrat, believes that his party has been and continues to be the party of civil rights, labor rights, healthcare, social security and more, and that it is more inclusive, tolerant, and open. John Lawrence, who admits that he hasn’t always voted strictly
to old-school Democratic ideals with its own mix of modern whole-earth thinking; he feels that Democrats have gotten too cozy with Wall Street in order to battle Republicans and have veered away from the concerns of their base constituency. However, he holds back nothing regarding the current Republican Party as having cleansed itself of moderates in order to maintain power and gutting the middle class in order to consolidate power in the hands of the wealthy. Caylor admires the ideals of some of the other parties but recognizes that they haven’t enough traction to win an election. Cheatham criticizes the lack of inclusion in the Republican Party for people who are different and is dismayed by the costly wars that tax the American economy in unprecedented ways. But Walker finds fault with Democrats in general for their lack of fiscal restraint at all levels of government. Some think that a viable third party might force compromise more often and allow room for a greater variety of ideas, but admit that it’s not likely to appear in our current system. Lawrence doesn’t reserve blame for the tone of current politics solely on the politicians; he says that negative advertising works, perhaps because of the public’s short attention span and love of the sen-
“As I look at our debt and moral decay, I fear for my grandchildren’s futures.” George Caylor along party lines, feels that the Democratic Party is more the force of the working person and better represents those without money, property, and power. While holding to one party, all admit some fault with their own while condemning certain aspects of the other. Lawrence finds good in the Green Party’s similarity
sational. The others find that grave concern for the direction our country seems to be taking creates a more contentious atmosphere. According to Caylor, “As I look at our debt and moral decay, I fear for my grandchildren’s futures.” Cheatham says, “There is too much money in politics today, and as a result, I think there are
good people that will not run for office because raising money is not the thing most people wake up wanting to do all day.” Our interviewees do not make up
the local level where just a few votes can determine an election. Walker holds to the saying that “If you don’t vote, don’t complain” and encourages anyone who
“There is too much money in politics today, and as a result, I think there are good people that will not run for office because raising money is not the thing most people wake up wanting to do all day.” Gerald Cheatham their minds in a vacuum. All read and listen to respected sources and blogs and even talk with various representatives and candidates. Lawrence reports that he likes “history; you can understand the present easier if you know a bit of the past… Perspective and an over-arching viewpoint are important.” Caylor likes to weigh what our leaders are doing against the words of the Constitution. Regarding citizens who refuse to vote, Cheatham finds this most distressing on
feels that one vote is not enough to get involved with a Party: “Go to meetings, conventions, talk to your elected officials, learn about what is going on and how you can make a difference.” When asked about the paucity of high-quality candidates running for office these days, all agreed that raising money and enduring negative media attention would discourage almost anyone. Caylor jokes that, because of those conditions, his wife won’t let him consider running,
and Lawrence says that he is probably “too straightforward” and doesn’t like to wear suits and ties, nor does he have enough wealthy friends. Still, there is room enough and need for all of us to join the process of becoming educated, expressing our views to the public and the politicians, and exercising the power of the vote. Caylor reminds us that Edmund Burke said, “All evil needs for success is for good men to do nothing.” Sharon Wright taeches English at Heritage High School Editor’s note: It was a pleasure to host a recent luncheon with people whom I knew held strong, but often very different, opinions about politics and our country’s future. I found that all were tolerant of each others views, unlike the shouting matches and biased viewpoints often seen on cable TV news. You may want to try it yourself sometime soon… taking someone you think you completely disagree with to lunch or dinner...you might be surprised that you have more in common!
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1604 Graves Mill Rd., Lynchburg, VA 24502 www.BentleyCommons.com/Lynchburg | 15
Rivermont-Boonsboro Village Begun from Staff Reports
As we move through our re- the Villages are independent, they are tirement years, we have to consider joined together and share resources where we want to spend our time and experiences through the VtV in light of concerns for our health Network. and safety as well as our comfort in In March of 2011, following the remaining in our own homes. Many Beacon Hill example, 14 seniors in of us are choosing to “age in place.” the Lynchburg area volunteered to But this choice comes with questions take the time and energy to move about how to maintain the property, the Lynchburg Area Villages prowhere to find assistance with paper- gram forward. In January of 2012, work, or how to keep up various social Rivermont-Boonsboro Village began activities. About 78 million baby boomers are considering these challenges now or will in the near future, and a majority of them will choose to grow old in their own homes. For many, aging at home means depending on family and friends for help with things they can no longer do alone. The need for support services is critical to allow “It takes a Village…” seniors to remain independent. Beacon Hill Village was found- operation. Membership is on a subed in 2001 with the goal of enabling scription basis, with membership fees a growing and diverse group of Bos- going to offset startup, insurance, and ton residents over the age of 50 to background check costs. As many stay in their neighborhoods as they services as possible are provided by aged. This was done by organizing screened volunteers. and delivering programs that allowed Volunteer services include transthem to lead safe, healthy, and pro- portation, social and community ductive lives in their own homes. The events, help with technology, light principle of the Villages is based on home and yard maintenance, assisneighbors helping neighbors to enjoy tance with paperwork, companioncomfortable, safe, and economical liv- ship, and daily phone checks. When ing among their friends and neigh- more involved help is needed, membors. This prototype has grown to 70 bers are provided with a list or reliU.S. Villages and, recently, two new able, pre-screened businesses. ones in Australia. Hundreds more are Villages are set up so that volunin the formative process. Although teers don’t have to go far from their
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homes to provide services. The following areas have been identified as potential villages: Riverside, Woodland, Irvington Park, Peakland, Oakwood, Beacon Hill, Bedford Hills, Boonsboro, Merriwether Park, and Carter’s Grove. The Lynchburg Area Villages board can advise and assist those interested in starting a village in their area. The first village in our area is the Rivermont-Boonsboro Village, which provides members who are 62 and over with a central place to turn for help and information. Requests might include someone to repair a screen door, deliver groceries, or take a member to the hairdresser or a doctor’s appointment. Members are able to turn to the Village for help and will not have to ask a favor of a friend, neighbor, or family. The LAV will help arrange and coordinate interest groups, outings, special events, and educational seminars for its members. Volunteers can help with the use of computers, phones, and other devices, and also assist with household chores, such as organizing closets, turning mattresses, or treating slow-running drains. Others will even provide simple companionship or daily phone calls to monitor members and provide outside contact. The Rivermont-Boonsboro Village can be reached at 434214-0198 or 434-386-3090. More information is available at www.lynchburgareavillages.org.
At Home With Centra Your Life. Our Mission.
Centra Home Health
Centra Hospice
Centra PACE
Helping you recover at home from surgery, an injury or illness
Compassionate end-of-life care for patients and families
A Program of All-inclusive Care for the Elderly
Providing essential nursing, medical and rehabilitation services
Full-time physicians, nurses, social workers and spiritual support
Providing complete health care for seniors living at home
Dedicated team of experienced therapists, nurses and aides
Pain and symptom management, medication, equipment and supplies
Allows frail seniors to live at home and in their community
434.200.4111
434.200.3204
434.200.6516
Home Health Your Life. Our Mission.
Call us or visit CentraHealth.com to learn more or to self refer.
HOME HEALTH
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HOSPICE
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PACE
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A View Across the Years
L
ynchburgHistory.com is a website designed to transport you back in time. About 20,000 photographs dating from the late 1800s to the 2000s give viewers a sense of what Lynchburg used to be as well as the changes that occurred in the places and the people. The site has photos of homes and stores, both inside and out, and photos of individuals and families with the intent of preserving the visual record of Central Virginia’s past. The site was developed and is maintained by Nancy B. Marion, owner of both the Design Group and the Blackwell Press. Marion also publishes Lynch’s Ferry magazine and produces the “Mystery Picture of the Week” column for Lynch-
burg’s News & Advance. Her award-winning books include Lynchburg 100: An Illustrated Guide to Lynchburg Landmarks, a publication she coauthored with reknown architect S. Allen Chambers in 2007. The site includes photos of Lynchburg’s Historic Districts, maps, panoramic photos and a complete archive of the “Mystery Picture of the Week” from the News & Advance. Readers can freely browse the site by topic or by photographer, or search for a specific place or person. Photos may be downloaded for a nominal fee. Many of the photographs, maps, illustrations, and postcards on this website have come from private collections. Others are here thanks to the collab-
orative spirit of local organizations and businesses, including the Jones Memorial Library, The News & Advance, City of Lynchburg, Virginia Department of Historic Resources, Virginia Department of Transportation, and Lynchburg Historical Foundation. LynchburgHistory.com is an ongoing project; more photos are added periodically, and additional photos are always being sought. If you have something to add— more information about a specific photo, knowledge of a collection, old snapshots of people and places in Central Virginia—please feel free to contact Nancy Marion at Nancy@designgroup.com or call 434.847.0939.
Needs ChaNge … Life CoNtiNues
For 25 years Valley View has been the address of choice for senior adults. Valley View’s excellent reputation means it has become a leader in retirement living. Our community offers private apartments with monthly rentals, restaurant style menus, daily activities, transportation, weekly housekeeping, 24 hour staffing, plus much more. NO ENTRANCE FEE REQUIRED. Our warm, friendly atmosphere may be just what you are looking for! Tours available.
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Retirement & Assisted Living Community 1213 Long Meadows Drive Lynchburg, Virginia 24502
(434) 237 - 3009
www.valleyviewretirement.com
Gracious Retirement Living For Ladies...
The Williams Home 1201 LANGHORNE ROAD • LYNCHBURG
www.TheWilliamsHome.org
A non-profit organization providing care to its female residents in a loving & caring environment. • Residential Living • Activities Director On Staff • Transportation & Assisted • Private Rooms & Baths • Nurse On Duty 24/7 Living Available
384-8282
We Invite You to Call (434) & Arrange a Personal Tour to See Our Charm & Uniqueness First-Hand!
CERTAINTY IN AN UNCERTAIN
WORLD
RETURN TO CLASSIC VALUES
Today more than ever, Americans want reliability, certainty and accountability. We are all looking for something stable, solid and firm. For many of us, it means a return to classic values and enduring ideals. One resource that meets our needs is the charitable gift annuity (CGA). A CGA is a simple contract between you and us, where you agree to donate a sum of money to Liberty University. In return, we agree to pay you a fixed percentage of that amount every year for as long as you live. Call our office today for more information.
(800) 543-5309 www.LUgiving.com
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“Just the Facts” on the “Home Equity Conversion Mortgage”
Reverse Mortgage Loan Questions & Answers Understanding How To Put Your Home To Work For You What is a reverse mortgage? • It’s a special type of loan that enables borrowers who are at least 62 years of age to convert some of their home equity into loan proceeds. *
Who is eligible? • Borrower(s) who are at least 62 years of age and occupy the
• Loan proceeds can be used for any purpose, including meeting daily and monthly expenses, or covering health care expenses • Loan proceeds are not considered income and will not affect Social Security or Medicare benefits**.
What type of interest rate options are there?
home as their principal residence
• Most lenders offer the Standard and Saver; fixed- and
• Eligible properties include single-family homes, condominiums and townhomes, or a 2- to 4-unit dwelling
What are the distribution options?
variable-rate reverse mortgages.
• The home may be owned free and clear or they can refinance an existing mortgage balance into a reverse mortgage without the required monthly mortgage payments of a traditional mortgage. Repayment is required if the borrowers no longer reside at the property, taxes and insurance on the property are not kept current, the property is not maintained to FHA standards, or other program requirements are not satisfied.
Borrowers can schedule the way they receive their reverse mortgage loan proceeds based on their available equity, the type of reverse mortgage they choose and their needs.
• Borrowers are required to obtain an eligibility certificate by receiving counseling from a HUD-approved agency. Family members and financial advisors are also encouraged to participate in these sessions.
• Monthly advances to supplement income
What are some of the borrower responsibilities? • Borrowers are required to live in the home as their primary residence • Borrowers are required to keep property taxes and insurance on the home current • Borrowers are responsible for maintaining the property to FHA standards and comply with all other program requirements.
What are some of the benefits? • The reverse mortgage customer retains ownership and lives in their home, keeping the taxes and insurance premiums on the property are paid and all other program requirements are met.
With a variable-rate reverse mortgage, they may choose any one or a combination - of these flexible payout options: • A lump sum to cover large expenses • A line of credit to draw on as needed And, with a variable rate reverse mortgage, they can change how they receive your reverse mortgage proceeds as often as their needs or their situation changes over time. With a fixed-rate reverse mortgage, a lump sum distribution is required.
What are the costs involved with a reverse mortgage? • A deposit for the appraisal is an out-of-pocket expense, as well as the fee that the counseling agency may charge (this fee may be added to the other closing costs). • There are additional closing costs, title insurance, a mortgage insurance premium and attorney fees. Depending on the program option that the borrower chooses, their closing costs will vary.
“Education is the key to making sound financial decisions” For more information on how this program may be of benefit to you please see the next page! NMLS # 165753 *Borrowers may want to consult their tax advisor. **Loan proceeds are not considered income and will not affect Social Security or Medicare benefits. Your reverse mortgage proceeds may affect your eligibility for other programs. Consult either a local office or your attorney to determine how, or if, monthly reverse mortgage payments might affect your specific situation. The information provided subject to change without notice.
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Your LOCAL Reverse Mortgage Consultants Phil and Rayetta Webb have over 10 years combined reverse mortgage experience. They are dedicated to specializing only in reverse mortgage financing in order to better assist the senior homeowners over the age of 62 and their families with this type of loan program.
Considering a reverse mortgage? Some reasons why you may want to think about it.... • Eliminate your current mortgage • Pay for in-home care • Do home repairs • Increase monthly income • Relax and enjoy life!
With Reverse Financing and the NEW Reverse for Purchase program we can help you achieve your financial goals.
The Difference Experience Can Make Please call on Phil or Rayetta, your LOCAL reverse mortgage consultants at Phil Webb Rayetta Webb Direct: (434) 238-0764 Direct: (434) 238-0765
Phillip.webb@townebankmortgage.com
Rayetta.webb@townebankmortgage.com
1015 Main Street • Altavista, VA 24517 Office: 434.369-1050 • Toll Free: 1-877-380-9510 Equal Housing Lender
Phil Webb NMLS#580147/Rayetta Webb NMLS#165753
CALL TODAY FOR INFORMATION PACKET – NO COST – NO OBLIGATION! | 21
Golden 50 Guide
Lynchburg Area Independent...
The Central Virginia region around Lynchburg has become a popular area for people of retirement age to live. A moderate climate and close proximity to popular destinations such as Washington, D.C., Virginia Beach, Smith Mountain Lake, Leesville Lake, Buggs Island Lake, the mountains to the west and famous historical sites help explain why people from all over the Community CommunityName Name Location& &Phone Phone Location
Type Typeofof Dwelling/Unit Dwelling/Unit
Bentley Commons Lynchburg 509-0036
Apartments Apartments
Valley View McGurk House Lynchburg846-2425 237-3009 Lynchburg TheSummit Williams Home The Lynchburg Lynchburg582-1500 384-8282
Year Year1st 1stUnit Unit Existing Existing# # Potential Potential Size of Units Price Range Completed ofofUnits Units ##ofofUnits Units Size of Units Price Range Completed Call for pricing details
2008
N/R
N/R N/R
Independent & Assist. Apartments Living Apartments
Month to 235 tosizes Variable-30% Various monthgross rental 349 sq. ft. adjust.
1985 1988
88109
N/R N/R
Independent & Apart., Garden Homes, Assisted. Admit only to & Continuing Care Independent
732 to Call for info. Various sizes N/R 1624 sq. ft.
August 2003
1st Annex in 1970’s; Asst. Living Wing ‘06
85 N/R
NR N/R
1988 1980
109 246
N/R N/R
1980
246
N/R
Various sizes
Valley View Westminster Lynchburg 237-3009 Canterbury
Independent. & Assist. Various sizes Life Care; 432 to Living Apartments Apartments, cottages, 2100 sq. ft. nursing care Lynchburg 386-3305 asst. living, Westminster Life Care; 432 to Canterbury Apartments, cottages, 2100 sq. ft. Lynchburg 386-3500 asst. living, nursing care
Westminster Canterbury
The Williams Home
The Summit
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Month $1150toto month rental $3800 monthly $1150 to $3800
Valley View
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Golden 50 Guide
...Retirement-Living Communities United States are attracted here. The communities and developments listed below offer a wide diversity of lifestyles, but are all committed to sharing their knowledge and answering any questions you may have, without obligation. N/R means No Report - Please Call for More Information Population Age If IfYes, Free Inside or Outside Population Age Yes, Free Inside or Outside asasofof8/1/12 What Age? Maintenance Maintenance Available? 6/1/10 Restrictions Restrictions What Age? Available? N/R
Yes
55 and up
About About 120 90
Yes Yes
113 N/R
NR Yes
NR 55 and up
Main. included in fees Yes
About 120 About 300
Yes Yes
Designed for Retire. Living 62 and up
Main. included in fees Yes
288
Yes
62 and up
Designed 62 and up for Retire. Living unless handicap.
Miscellaneous Comments Miscellaneous Comments Monthly rental, All inclusive, three meals daily, Pets welcome.
Main. included in fees
Month-tomonth rental. No entrance fee. Tours Main. Yes included in fees Affordable Housing available. www.valleyviewretirement.com For Elderly - HUD (Section 8/202) Retirement Living Health for Ladies. 10-room Assisted Sponsored by Centra Living Wing. www.TheWilliamsHome.org and The Christian Church (Disciples of Christ)
Month-to-month rental. No Entrance entrance fee. An accredited CCRC. fees range Toursfrom available. www.valleyviewretirement.com $0–$405,000. Asst. Living & Health Care available for Direct Admission Yes An accredited CCRC. Entrance fees range from $ 0 - $405,000. Asst. Living & Bentley Commons Health Care available for Direct Admission
Valley View Bentley Commons
McGurk House
27
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HOUSING OPTIONS
(REGIONAL)
City Amherst Bedford Bedford
Name Johnson Senior Center Campbell’s Rest Home Elks National Home
Address 108 & 112 Senior St. 1350 Longwood Ave. 931 Ashland Ave.
Phone 434-946-2799 540-586-0825 540-586-8232
Web Address
Lynchburg Lynchburg Lynchburg Lynchburg
Clear Brook Apts. Jefferson House Apts. McGurk House Odd Fellows Home of VA
3004 Hill St. 1818 Langhorne Sq. 2425 Tate Springs Rd. 600 Elmwood Ave.
845-2155 846-1800 846-2425 434-845-1261
www.ClearBrook.org
Lynchburg Lynchburg
The Summit Tinbridge Manor Apts.
1300 Enterprise Dr. 701 Hollins St.
434-316-5900 845-4990
www.summitlynchburg.com
Lynchburg
Walden Pond Apts.
300 Weeping Willow Dr.
385-5060
www.WaldenPondLiving.com
www.elkshome.org
www.McGurkHouse.org
CONTINUING CARE RETIREMENT COMMUNITIES Continuing care retirement communities (CCRCs) offer residents a variety of services ranging from independent living in a cottage setting to skilled nursing care. The types of services offered may be all-inclusive, modified to meet the needs of the resident, or may be a fee-for-service arrangement where the resident pays for each service they elect to receive. CCRCs should not be confused City
Name
Lynchburg Lynchburg
The Summit 1400 Enterprise Dr. Westminster Canterbury 501 V.E.S. Rd.
with retirement com-munities that frequently offer limited services but do not offer life care contracts. CCRCs are designed to promote wellness, independence and socialization in a residential environment. The programs and services offered by these facilities are limited only by your imagination.
Address
Phone
Web Address
434-582-1500 434-386-3305
www.SummitLynchburg.com www.WClynchburg.org
ADULT DAY CARE SERVICES Adult day care centers are a popular long-term care option for many families, as they offer solutions to problems facing both senior adults and their caregivers. Adult day care centers provide socialization and activities in a safe, secure environment by offering older, infirm or disabled adults an opportunity to participate in a day program designed to maintain or improve their functioning. Caregivers benefit by having re-
spite from caring for a dependent adult, and some free time supervision or assistance with activities of daily living, and educational and resource materials for the community. Other adult day care services can include medical and rehabilitative therapies (occupational, physical, speech) and social services to adults with physical or mental impairments.
City Bedford Bedford Forest
Name Bedford Adult Day Care Bedford Memorial Hospital Raspberry Hill
Address 1617 Oakwood St. 1613 Oakwood St. 2617 Elk Valley Rd.
Phone 540-586-2441 540-586-8424 525-4422
Web Address www.bmhva.com www.bmhva.com www.RaspberryHillADC.com
Lynchburg
Adult Care Center of Central Virginia Centra PACE
621 Court St.
434-847-8111
www.adultcarecenter.org
407 Federal St.
434-200-6516
www.centrahealth.com
Lynchburg
Since 1940, serving one generation after another with their eyewear needs.
A. G. Jefferson Opticians Senior Citizen Discounts Available! Two Convenient Locations to Serve You!
999 Sheffield Dr. Lynchburg 846- (EYES) 3937 24 |
2010 Tate Springs Rd. Lynchburg 845-1991 www.AGJeffersonVa.com
GERIATRIC CARE MANAGEMENT This is the process of planning and coordinating the care of the elderly and/or disabled to improve their quality of life and to maintain their independence for as long as possible. Heath care and psychological care are integrated City Name Lynchburg CVAAA Lynchburg Infinity Care
Address 501 12th St. 21430 Timberlake Rd.
with the best possible combination of services such as: housing, home care services, socialization programs, financial and legal planning. A care plan tailored for each individual’s circumstances is prepared after a comprehensive assessment. Phone 434-385-9070 434-237-1975
Web Address www.cvaaa.com www.infinitycare.org
HOSPITALS City Bedford
Name Address Bedford Memorial Hospital 1613 Oakwood St
Phone 540-586-2441
Web Address www.bmhva.org
Farmville Lynchburg
Centra Southside Centra Lynchburg General Hospital Centra Virginia Baptist
800 Oak St. 2215 Landover Pl.
434-392-8811 434-200-4000
www.sch.centrahealth.com www.lgh.centrahealth.com
3300 Rivermont Ave.
434-947-4000
www.vbh.centrahealth.com
Lynchburg
HOME HEALTH CARE What Exactly Is Home Care, Anyway?
Homecare is a general term that represents a wide range of community-based services that support someone recuperating from an acute situation, such as a hip fracture, or services needed by persons with on-going chronic conditions, such as stroke or cerebral palsy. The skills and duties of home care personnel vary, but all have one thing in common-they make it possible for care recipients to remain at home in a safe, environment and in some cases have more independence than they did before. In the process, they also provide family caregivers with a chance to replenish their depleted physical and emotional reserves. Homecare personnel include: • Registered nurses (RNs)-that provide skilled medical care, including giving medications, monitoring vital signs, dressing wounds, and teaching family caregivers how to use complicated equipment at home. • Therapists-that work with patients to restore or maintain their motor, speech and cognitive skills. • Homecare aides-who provide personal services such as bathing, dressing, toileting, making meals, light cleaning, and transporting patients to the doctor. • Companion/homemakers-who help with chores around the house but usually do not perform personal duties for the care recipient.
Getting Started with Homecare
1. The first step is to make sure you and your loved one are comfortable with the idea of someone else taking on some of the tasks that you’ve been doing by yourself. 2. Define the tasks that need to be done by the homecare worker to determine exactly what type of homecare is most appropriate in your situation.
Who to Choose
If you’re like the majority of family caregivers, you need the most help with personal care tasks-the very type of care that is not typically covered by private health insurance programs or Medicare. So unless your loved one had the foresight and the funds to purchase long-term-care insurance prior to becoming ill, your access to homecare will be limited by what you can afford. Home Care Agencies are companies in the business of meeting homecare needs. Not all home care agencies provide the same variety and level of service however, so make sure the agency you are considering can provide all the services you need. The issue isn’t bigger or smaller but rather which one meets your criteria. If your care recipient is approved for skilled care that Medicare will pay for, it’s vital that the agency be Medicare certified. This ensures that the agency has met federal minimum requirements. If your loved one only requires personal care or companion/homemaker care, Medicare certification need not be a factor in your decision. Some companies actually have two agencies that are legally separate but work together, one that is Medicare certified and one that is strictly private pay.
What do home care services cost through an agency?
Many agencies have a minimum two or four-hour fee. The actual hourly rate will vary depending on the services you require, but don’t be surprised to find rates ranging anywhere from $13 to $25 per hour. Privately Employed Home Caregivers can be hired on your own, especially if you are not looking for skilled medical care, but rather for someone to act as a companion or personal aide on a regular, long-term basis.
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City Lynchburg
Name Address Amedisys Home Health 2050 Langhorne Rd.
Phone 845-7555
Web Address www.amedisys.com
Lynchburg Lynchburg
Americare Plus LLC Centra Home Health
118 S. Bridge St. 3300 Rivermont Ave.
540-586-2441 434-200-4111
www.americanretirementhomes.org www.centrahealth.com
Lynchburg
Community Sitters
Lynchburg
384-2806
www.communitysitterslynchburg.com
Lynchburg
Lynchburg
401-2782
www.dynamicseniorsolutions.com
Lynchburg
Dynamic Solutions For Seniors First Dominion
2808 Old Forest Rd.
434-384-2800
www.firstcare.biz
Lynchburg
Generation Solutions
1032 Claymont Dr.
434-455-6500
www.generalsolutions.net
Lynchburg
Gentiva
2050 Langhorne Rd. Ste. 101 846-5219
Lynchburg
Helping Hand Nursing Service Lynchburg
846-7407
www.helpinghandnursingservice.com
Lynchburg
Home Instead Senior Care 2085 Langhorne Rd.
434-385-0321
www.homeinstead.com
Lynchburg
Home Recovery of VA
5050 Fort Ave.
237-0021
http://hr-ha.com
Lynchburg
Interim Healthcare
2255 Langhorne Rd. Ste. 6 832-7460
Lynchburg
Personal Homecare Inc 2808 Old Forest Rd.
Lynchburg Senior Independence Lynchburg
501 V E S Rd.
Seven Hills Home Health 2250 Murrell Rd.
Lynchburg Team Nurse Madison Hghts. Elite Care Services
www.gentiva.com
www.interimhealthcare.com
434-384-2412 www.firstcare.biz 434-386-3500 www.wclynchburg.org 434-847-6400 www.sevenhillshh.com
22634 Timberlake Rd. Ste. E 582-4755 www.teamnurse.com 5005 S Amherst Hwy. 434-846-1514 www.EliteCareServicesLLC.com
For Excellence in Home Care Personal Care $ Assist with medicine refill reminders $ Assist with bathing and oral hygiene $ Assist with grooming $ Assist with eating $ Assist with toileting
Family Support $ Light Housekeeping $ Bed changes $ Meal Preparation $ Laundry $ Grocery Shopping
Palliative Care $ Bed Ridden $ Non-ambulatory
Companionship $ Outings $ Doctor’s visits $ Appointments $ Errands $ Walks $ Activities $ Pet Care
Payment Methods Accepted $ Private Pay & Insurances $ Medicaid Certified & Veterans $ CENTRA PACE
Elite Care Services www.EliteCareServicesLLC.com
All services are available up to 24 hours a day, 7 days per week. 3721 S. Amherst Hwy., Suite 201 (434) 846-1514 Madison Heights
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E-mail: elitecareservices1@verizon.net
Fax: 846-1115
ASSISTED LIVING FACILITIES The aging of America, together with extended life expectancy, is resulting in an unprecedented demand for all kinds of long-term care services. Among these services are assisted living residences. The philosophy of assisted living is to provide supervision, assistance, and personal care services to senior citizens and individuals with disabilities as needed. The goal is to maintain maximum independence in a home-like setting, while providing individualized care and assistance. Assisted living offers a unique mix of security and independence, privacy, companionship, care and services. Choosing the appropriate assisted living residence can make all the difference in an individual’s mental, physical, and social well being. Assisted Living Today Assisted living services can be provided in freestanding residences, near or integrated with skilled nursing homes or hospitals, as components of continuing care retirement communities, or at independent housing complexes. Assisted living residences offer a multi-faceted residential setting that provides personal care services, 24-hour supervision and assistance, activities and health-related services, designed to: • Minimize the need to relocate; • Accommodate individual residents’ changing needs and preferences; • Maximize residents’ dignity, autonomy, privacy, independence, choice and safety; and • Encourage family and community involvement. Accommodations and options may vary greatly from one assisted living residence to the next (e.g. private rooms, private baths, kitchenettes, etc.). Personal needs and preferences are important criteria for selecting a residence and the amenities it offers. Services & Activities It is important to remember that assisted living residences
Each resident receives individualized services to help him/ her function within the residence and within the community. Upon admission, a service plan is usually developed to coordinate the delivery of services to each resident. The agreement, which includes an assessment or evaluation of the resident’s physical and psychosocial needs, is reviewed and updated regularly by the staff, and as the resident’s condition indicates. The resident and family, or responsible party are encouraged to play an active role in the development of the service plan.
City Bedford Lynchburg Lynchburg
Name Carriage Hill Retirement Bentley Commons The Oaks of Lynchburg
Lynchburg
Valley View Retirement 1213 Long Meadows Dr. 434-237-3009
Smith Mtn. Lake Runk & Pratt
Address Roundtree Dr 1604 Graves Mill Rd. 2249 Murrell Rd.
are a bridge between living at home and living in a nursing home. Assisted living residences do not typically provide the level of continuous skilled nursing care found in nursing homes and hospitals. The services and activities provided or arranged for in assisted living residences generally include: • 24-hour supervision; • Three meals a day in a group dining room; and • A range of services that promote the quality of life and independence of the individual; such as: • Personal care services (help with bathing, dressing, toileting, etc.) • Medication management, or assistance with self-administration of medicine; • Social services; • Supervision and assistance for persons with Alzheimer’s or other dementias and disabilities; • Recreational and spiritual activities; • Exercise and wellness programs; • Laundry and linen service; • Housekeeping and maintenance; and, • Arrangements for transportation.
Phone 540-586-5982 434-316-0207 434-338-6882
115 Retirement Dr. Hardy 434-509-0087
Web Address www.carriagehillretirement.com www.bentleycommons.com/lynchburg www.springarborliving.com www.valleyviewretirement.com www.runkandpratt.com
RESPITE CARE This is care for patients who need nursing supervision for short periods of time. City Appomattox
Name Appomattox Health and Rehabilitation Lynchburg Avante at Lynchburg Lynchburg Daybreak at Heritage Green Lynchburg The Fields at Heritage Green Lynchburg Guggenheimer Health & Rehab. Lynchburg Runk & Pratt
Address 235 Evergreen Ave.
Phone 434-352-7420
Web Address www.lifeworksrehab.com
2081 Langhorne Rd. 200 Lillian La.
434-846-8437 434-385-5102
www.avantegroup.com www.heritagegreenal.com
201 Lillian La.
434-385-6077
www.heritagegreenal.com
1902 Grace St.
434-200-3088
www.centrahealth.com
20212 Leesville Rd.
434-237-7809
www.runkandpratt.com
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NURSING AND REHABILITATION CARE FACILITIES Nursing homes cater to elderly individuals who, due to a variety of incapacitating physical or emotional health conditions, can no longer properly care for themselves, and whose care requires round-the-clock attention. They may be discharged directly from a hospital to a nursing home with the expectation of returning home after rehabilitation,or they may enter one because their ability to manage their daily activities has almost fully deteriorated. Because the need for these facilities can sometimes arrive at a moment’s notice, it is recommended that research into nursing homes begin before such an emergency arises in order to avoid making split-second and often emotional decisions that later, one might wish to have back. Nursing homes are not a one-size-fits-all; rather, they tend to fall into three general categories, each of which addresses the needs of the patient: Skilled nursing care: Skilled nursing care is for conditions which demand round-theclock, 24-hour medical attention by trained nurses, therapists or other health care professionals. It may only be temporary, such as post-operative or following an illness, or it could last indefinitely. Treatment plans are intensive and generally dictated by one’s regular physician and carried out by the home’s staff. Intermediate nursing care: Intermediate nursing care treats individuals whose condition is stable and does not demand 24-hour attention, but who nonetheless need daily care. One’s regular physician dictates treatment plans but since they are not as intensive, the care is not as specialized and can often amount to skilled nurses supervising certified nurse’s assistants, who manage the patient in daily issues, such as bathing and eating. Custodial care: Custodial care is fairly fundamental care, in that it is designed to help patients who can no longer bathe, eat or dress without assistance. Because it does not require concentrated medical care, those performing custodial care are generally without medical skills. Along with these three general categories, keep in mind that many nursing homes offer services to treat patients whose conditions, such as Alzheimer’s disease, demand specialized treatment. Costs, Medicare and Medicaid Nursing home care can be very expensive. A major insurance company says the average daily cost of a private room in a nursing home in the United States is $83,585 per year, or $229 per day. The average length of stay in a nursing home for current residents was 2.4 years (in 2010), which makes the average cost of a nursing home stay approximately $200,600. The data is contained in the 2010 MetLife Market Survey of Nursing Home and Home Care Costs. Naturally, nursing homes will accept any resident who can pay
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outright, and about a third of all expenses wind up being paid for by the patient and/or their families. In many cases, contractual agreements with a variety of organizations, such as the Veterans Administration (VA), the Civilian Health and Medical Program of the Uniformed Services (CHAMPUS), HMOs and private insurance companies, help this enormously. For most families financial issues, more than any other factor, often determine which nursing home is chosen. Thus a substantial bit of financial planning is necessary for every family, even those with nursing home insurance, since it may not cover every expense. Whatever method you choose, you must meet with the nursing home’s administration beforehand and be clear on every expense and regulation before you sign a single document. Nursing Homes: Medicare Payments from Medicare, the federal health insurance program for people 65 and over, are typically accepted provided the resident is under the auspices of Medicare and the facility has beds available for this program. However, Medicare generally will cover only the 20 days of approved nursing care. Nursing Homes: Medicaid Payments for Medicaid, the federal-state program for low-income Americans, are typically accepted provided the resident is under the auspices of the Medicaid program and the facility has beds available. It is believed that roughly half of all nursing home care in the US is paid for by Medicaid. In the event your personal funds will be depleted after a couple of years and you believe you will be applying for Medicaid, you can avoid the possibility of having to switch homes at that time by checking first to see if the current home accepts Medicaid. The reason not every home accepts Medicaid is simple: the amount paid by individuals is higher than what Medicaid pays. At the moment Medicaid-certified homes must meet federal regulations for care, but this may change if Congress deregulates the industry. Medicaid eligibility is determined by each state, but it is typically bounded by one’s assets. Spending Down Some people employ a strategy known as spending down: having set aside enough money to cover the costs of a nursing home for approximately one year, they go through those funds then apply for Medicaid. The added benefit is that they typically are able to enter the home of their choice. Comparing Nursing Homes in the Lynchburg Area If you follow the same instructions above to get to the Nursing Home segment on the Medicare.gov home page, you can also find all of the nursing homes within the area you requested, listed and rated with a 5 star system, including health inspections, staffing and Quality measure. You will notice that there is a surprisingly wide variety of ratings.
City Altavista
Name Autumn Care of Altavista Amherst Fairmont Crossing Appomattox Appomattox Healthcare Center Bedford Carriage Hill Retirement Community Bedford Oakwood Health & Rehabilitation Lynchburg Avante at Lynchburg
Address 1317 Lola Ave. 173 Brockman Park Dr. 215 Evergreen Ave.
Phone 434-369-6651 434-946-2850 434-352-7420
Roundtree Dr.
540-586-5982
1613 Oakwood St.
540-586-2441
www.carilionclinic.org
2081 Langhorne Rd.
434-846-8437
www.avantegroup.com
Lynchburg
200 Lillian Lane
434-385-5102
www.heritagegreenal.com
1902 Grace St.
434-200-5100
www.centrahealth.com
5615 Seminole Ave.
434-239-2657
www.lifeworksrehab.com
2200 Landover Pl. 20212 Leesville Rd. 1300 Enterprise Dr. 2406 Atherholt Rd.
434-846-4626 434-237-7809 434-845-6045 434-846-3200
www.hcr-manorcare.com www.runkandpratt.com www.centrahealth.com
The Fields at Heritage 201 Lillian La. Green The Oaks of Lynchburg 2249 Murrell Rd.
434-385-6077
www.heritagegreenal.com
434-338-6882
www.springarborliving.com
Virginia Baptist Hospital 3300 Rivermont Ave. Acute Rehab. Westminster Canterbury 501 V E S Rd.
434-200-3088
www.centrahealth.com
434-386-3404
www.wclynchburg.org
Lynchburg Lynchburg Lynchburg Lynchburg Lynchburg Lynchburg Lynchburg Lynchburg Lynchburg Lynchburg
Daybreak at Heritage Green Guggenheimer Health & Rehabilitation Lynchburg Health & Rehabilitation Center Medical Care Center Runk & Pratt Summit Health & Rehab The Carrington
Experience
Web Address www.autumncare.net www.centrahealth.com www.lifeworksrehab.com
www.carriagehillretirement.com
your best quality of life.
Whether you prefer worry free Independent
Living or require the specialized services of Assisted Living or Memory Care, Runk & Pratt Senior Living Communities provide everything you need to experience your best quality of life! With properties in Lynchburg, Forest & Smith Mountain Lake, Runk & Pratt offers a variety of options to meet your every need. Call (434) 610-0329 today for more information or to schedule your personal tour!
7806 Timberlake Road Lynchburg, VA 24502 www.RunkandPratt.com
Forest
Smith Mountain Lake
Lynchburg | 29
HOSPICE AND PALLIATIVE CARE Community non-profit hospices serve the needs of terminally ill patients and loved ones with skilled nurses, spiritual counselors and bereavement volunteers. Some have their own facilities; others will come to residences. City Bedford Lynchburg Lynchburg
Name Bedford Hospice Care Centra Hospice Gentle Shepherd Hospice
Address 815 Whitfield St. 2097 Langhorne Rd. 22712 Timberlake Rd
Phone 540-587-6592 434-200-3204 434-846-6270
Web Address www.carilionclinic.com www.centrahealth.com www.gentleshepherdhospice.com
Lynchburg Lynchburg
Hospice of the Hills Seven Hills Hospice
3300 Rivermont Ave. 2250 Murrell Rd.
434-509-4946 434-847-6400
www.centrahealth.com www.sevenhillshh.com
You are not alone in hospice and our experienced and loving staff will care for you as family. Our comprehensive care provides a full range of services including: s Long term employees with experience in palliative pain & symptom management, emotional support and grief counseling
We’re There
s Spiritual care from a Christian perspective that brings encouragement and inspires hope
When You Need Us Most.
s Grief support groups for adults and children
Roanoke: 540.989.6265 | Lynchburg: 434.846.6270 | Charlottesville: 434-220-6002
WEBSITES (for general information) Central Va. Area Agency on Aging, Inc. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.cvaaa.com Centers for Medicare & Medicaid Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.cms.hhs.gov Memory Commons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.memorycommons.org Senior Advocate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.senioradvocateonline.com Senior Navigator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.seniornavigator.org Social Security Administration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.ssa.gov Virginia Department for the Aging . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.vda.virginia.gov Virginia Department of Medical Assistance Services . . . . . . . . . . . . . . . . . . . . . . . . . . . www.dmas.virginia.gov Virginia Easy Access . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.easyaccess.virginia.gov If your organization was mistakenly left out of the information above, please notify us at Dan@AllAmericanPub.net
Target Your Clients Through a Magazine Focused On Their Needs! Greater Lynchburg’s
Please contact Dan Curran, Publisher at (434) 455-2726 or e-mail Dan@AllAmericanPub.net or Regina Dickerson at (434) 420-0536 or e-mail Regina@AllAmericanPub.net to reserve a space!
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T
ips
For Considering Long-Term Care Insurance
Studies have estimated that nearly two-thirds of people over age 65 will need long-term care in some form, whether it be at home, adult group care, or care in an assisted living facility or nursing home. Women have a greater chance of needing long-term care services because they generally live longer than men and are more likely to live alone when they are very old. The 2010 Genworth Cost of Care Survey estimated the median cost of care in a private room at a nursing home to be nearly $85,000 per year. These sizable figures have prompted many to investigate long-term care policies to protect their assets and ensure proper care should the need arise. Here are ten tips for those considering a longterm care policy.
ers want to ensure that those closest to them are never put in the role of caregiver or financier. There is no right or wrong answer, but you should give conscious thought to what life will be like in the event that you lose your independence. For those looking to help ensure they never need to rely on their family, there is no better tool than a long-term care policy.
Buy It Sooner...Not Later Today, the average age of a long-term-care insurance buyer is 56. Fifteen years ago, the average age of the buyer was 69. The younger you are when you apply for a policy, the more likely it is you will be approved--57% of those who apply for long-term-care insurance at age 80 or older are declined by insurers, while only 11% of LTC (Long-Term-Care) Insurance: those who apply between the ages of 50 and 59 are turned Protects Retirement Assets down. Most experts agree that one should start thinking With per-person figures for one year of care approach- about long-term-care insurance in your early 50's. ing six-figures, even those with sizable assets are in danger of wiping our their entire nest egg. For many, longterm-care policies provide peace of mind in knowing that their hard-earned savings will go towards their intended Will your money last? purposes rather than for care. Don't Count On Medicare... and Medicaid Only Pays For the Indigent Medicaid only pays for the indigent, and won't help middle-class health care consumers. Some people are banking on the idea of spending down their assets to a level where they would be eligible for Medicaid. This is not a sound plan as there are significant penalty periods and sanctions in place that make this strategy very arduous. Medicare is designed to only provide care for a very short term; its intended design is to pay for care relating to a short recovery period for people stricken by illness or injury and is not a long-term solution. Think Beyond Yourself Consider the impact on those around you in the event you were no longer able to care for yourself. Some people are very comfortable with the idea of their family paying for care or personally administering the care they need. Oth-
With a retirement Will your moneyplan last?it can.
With a retirement plan it can.
Having a plan and the right financial solutions can help you put a confident retirement within reach.
Having a plan and the right financial solutions can As Ameriprise financial advisors, we’ll work with you help you put a confident retirement within reach. to define your retirement dreams. And together, we’ll create plan that works for you — with the work products Asa Ameriprise financial advisors, we’ll with you and strategies that are right for your goals. to define your retirement dreams. And together, we’ll
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16583 Forest Road stuart.k.lane@ampf.com Forest, VA, 24551 434-534-8875
Ameriprise Financial Services, Inc. Member FINRA and SIPC. Ameriprise Financial cannot Ameriprise Financial Services, Inc. Member FINRA guarantee future financial results. © 2012 Ameriprise Financial, Inc. All rights reserved.
stuart.k.lane@ampf.com and SIPC. Ameriprise Financial cannot guarantee future financial results. © 2012 Ameriprise Financial, Inc. All rights reserved.
Ameriprise Financial Services, Inc. Member FINRA and SIPC. Ameriprise Financial cannot guarantee | 31 future financial results. © 2012 Ameriprise Financial,
Pools of Money Think of a long-term-care policy as buying a pool of money for future use. For example, if you buy a policy that pays benefits for 10 years (or total benefits of $600,000), but in the first year, you only use $30,000 in benefits, you will have $570,000 left to use. If, after 10 years, you haven't used all of the money available to you, the policy's life will be extended until the pool of money available to you is gone.
tion protection, the benefit in 15 years will be $400 and the daily benefit in 30 years will be $800. When thinking about purchasing these policies it is highly advised that you select one that offers inflation protection.
Providing Quality Equipment, Products and Services to Enhance your Quality of Life
Paying For It Consider getting a "10 pay" option. It costs more in the short term, but may be less expensive over the long run. This option requires premiums be paid for 10 years, after which you will have a paid-up policy which protects you from rate increases that might occur down the road (although you are exposed to rate increases during the 10-year payment period).
Get A Comprehensive Plan That Is Flexible Depending on your level of need, you may be able to receive care while in the comfort of your own home. A comprehensive policy pays for care at a facility but also offers the option of receiving care in your own home or Plan for Inflation community. Make sure any policy you are considering afIf the daily benefit is $200 and you opt for the 5% infla- fords payment for care regardless of the setting you are in.
Durable Medical Equipment • Wheelchairs and Accessories • Pride Power Chairs, Scooters and Seat Lifts • Walkers and Ambulatory Aids • Hospital Beds and Accessories • Bariatric Equipment
Respiratory Services
Getting Paid For Using It When you buy a long-term-care policy, you will choose between a reimbursement and an indemnity option. The reimbursement option is for actual expenses up to a daily limit. The indemnity option, which is more expensive, pays a daily benefit of a specific amount, regardless of how much you spend.
• Home Oxygen • Nebulizers • CPAP and Bilevel
Supplies and Services • Wound Care Supplies • Enteral Feeding • Incontinence Supplies • Diabetic Supplies • Bath Safety Aids • Physical Therapy Supplies • Occupational Therapy Supplies • Complete Maintenance and Repair Services
2300 Bedford Avenue
Lynchburg, VA 24503
Phone: 434-528-3765
Sales, Service and Rental of Medical Equipment and Supplies
Fax: 434-528-9312 www.gmemedical.com email: info@gmemedical.com 24-Hour Emergency Service
Uncle Sam Will Reward You For Buying It There are some tax incentives for those who buy longterm-care insurance. No taxes are owed on benefits paid out, and there are 35 states that offer a tax credit to longterm-care policyholders.
Serving Senior Citizens in the Cities of Bedford, Lynchburg, and the Counties of Amherst, Appomattox, Bedford and Campbell
Home Delivered Meals • Transportation • Care Coordination • Weatherization Services • Congregate Meal Centers • Elder Rights Advocacy • Insurance Counseling • Volunteer Opportunities
Central Virginia Area Agency on Aging, Inc. Providing Services Since 1975 - A 501 (c)(3) Non-Profit Agency 501 12th St., Suite A ● P.O. Box 1390 ● Lynchburg, VA 24505 www.cvaaa.com
(434) 385-9070
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United Way of Central Virginia Partner Agency
About your
Social Security: Questions and Answers
By James Horton Social Security District Manager in Lynchburg
$
IF 2013 IS YOUR LUCKY YEAR TO RETIRE, PREPARE NOW Tools Decide When To Retire: o youTo planHelp to beginYou receiving Social Security There are no forms to sign or additional paperwork
D
retirement benefits early in 2013? If so, now hese days, everyone is taking a new look at their is the time to prepare. We recommend you apply nances — and no one is looking more closely than to fourofmonths before who you are want your retirement theup millions baby boomers nearing retirement benefits to begin. age. While some boomers expected to retire at one of
T
to complete. In rare cases where we need additional
year from your full retirement age until age 70. However, information, a representative will contact you. there is no additional benet increase after you reach age 70, even if you continue to delay taking benets.
Not ready to retire yet? Perhaps you want to plan Social Security also has created several retirement ahead and begin considering your options regarding the traditional milestones, such as age 62, the current planners to help you make an informed decision. Social These days, you no longer need to travel to an when to retire. In that case, you’ll want to visit economy is forcing many of them to re-evaluate their Security has an online calculator that can provide officeMany or wait line to apply forshould benefits. can Social Security’s website to use our convenient plans. are in wondering if they workYou longer, retirement benet estimates you plan fromSocial your home or bene officet computer. The Social immediate and informative retirement plannertoathelp www. or do howit their Security – or their spouse’s your retirement. The online Retirement bene t – would be affected if they continued working.makes forsocialsecurity.gov/retire2. Security website at www.socialsecurity.gov Here youEstimator can find out uses information from your own earnings record, and lets the process easy and convenient. just how close you are to meeting your financial To help them nd answers, Social Security has you create “what if” scenarios. You can, for example, goals and then “bookmark” the website to apply for published a fact sheet called When To Start Receiving change your “stop work” date or expected future earnings You can complete your application for retirement benefits different whenever you areoptions. ready. to retirement create and compare retirement Retirement Benets. You can read it online at benefits in as little as 15 minutes. In most www.socialsecurity.gov/pubs/10147.html. cases, after you submit your online application To the Retirement Estimator, visit in their working Weuse encourage people at any stage www.socialsecurity.gov/estimator. Aselectronically, most workers know, your choice of a retirement age that’s all you have to do. You’re done. career to use the Retirement Estimator for an — from 62 to 70 — can dramatically affect your monthly Social Security benet amount.
If you choose to start receiving benets early, the monthly payments will be reduced based on the number of months you receive benets before you reach your full retirement age. The rate of reduction will depend on the year you were born. The maximum reduction at age 62 will be: • 25% for people born between 1943 and 1954. • 30% for people born after 1959. If you wait until your full retirement age, your benets will not be reduced. And if you should choose to delay retirement, your benet will increase up to eight percent a
Read When To Start Receiving Retirement Benets at www.socialsecurity.gov/pubs/10147.html. And for general information about Social Security, visit www.socialsecurity.gov. Retirement decisions are unique to everyone. Make sure you are up to date with the important information you will need to make the choice that’s right for you.
Divorced? You’re Not Separated From Social Security If you are divorced, there are several things you should know about Social Security.
The Regional Social Security Office on Timberlake Rd. Lynchburg
44 |
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instant, personalized estimate of future retirement benefits. Find it at www.socialsecurity.gov/ estimator.
in our publication, Retirement Benefits, at www. socialsecurity.gov/pubs/10035.html. It’s in the second section.
Remember that you’re always first in line when you go online, to www.socialsecurity.gov.
Just as you can choose an early retirement and get a reduced payment, you also can choose to keep working beyond your full retirement age to take advantage of a larger payment. Your benefit will increase automatically by a certain percentage from the time you reach your full retirement age until you start receiving your benefits or until you reach age 70.
Here’s to a lucky 2013. If you’re planning to retire and begin receiving Social Security benefits in January, start the year off right by applying online now for Social Security benefits.
ALL ABOUT RETIREMENT Social Security is as American as baseball and apple pie. Not everyone likes apples or baseball games, but almost every American who reaches retirement age will receive Social Security retirement benefits. In fact, 96 percent of Americans are covered by Social Security. If you’re ready to retire in the near future, this article is for you. We’d like to share with you a few important items about Social Security retirement benefits and how to apply for them. When you work and pay Social Security taxes, you earn “credits” toward Social Security benefits. If you were born in 1929 or later, you need 40 credits (10 years of work) to qualify for retirement benefits. To qualify for retirement benefits, 10 years is the minimum. However, the amount of your benefit is determined by how long you work and how much you earn. Higher lifetime earnings result in higher benefits. If there were some years when you did not work or had low earnings, your benefit amount may be lower than if you had worked steadily or earned more. Also, your age when you retire makes a difference in your benefit amount. The full retirement age (the age at which full retirement benefits are payable) has been gradually rising from age 65 to age 67. You can retire as early as age 62, but if benefits start before you reach your full retirement age, your monthly payment is reduced. Find out what your full retirement age is by referring to the convenient chart
34 |
The decision of when to retire is an individual one and depends on a number of personal factors. To help you weigh the factors, we suggest you read our online fact sheet, When To Start Receiving Retirement Benefits, available at www. socialsecurity.gov/pubs/10147.html. You may want to consider your options by using our Retirement Estimator to get instant, personalized estimates of future benefits. You can plug in different retirement ages and scenarios to help you make a more informed retirement decision. Try it out at www.socialsecurity.gov/estimator. When you decide to retire, the easiest and most convenient way to do it is right from the comfort of your home or office computer. Go to www. socialsecurity.gov where you can apply for retirement benefits in as little as 15 minutes. In most cases, there are no forms to sign or documents to send; once you submit your electronic application, that’s it! In addition to using our award-winning website, you can call us toll-free at 1-800-772-1213 (TTY, 1-800325-0778) or visit the Social Security office nearest you. Either way you choose to apply, be sure to have your bank account information handy so we can set up your payments to be deposited directly into your account. To learn more, please read our publication, Retirement Benefits, at www.socialsecurity.gov/pubs/10035.html.
Funeral Planning Planning Beforehand Can Make
a
Planning a funeral can be a very difficult task, especially considering the circumstances. When something as tragic as a family member or friend passes away, the last thing you want to deal with is planning the funeral. For this reason, we have compiled a list of things to remember when planning a funeral. Although this will not help with the emotional stress you are experiencing, it may take off some of the pressure you are experiencing in such a difficult time. When planning a funeral, consider the following: 01. Collect personal information and compile to form an obituary. 02. Choose a funeral home 03. Choose whether the deceased will be buried or cremated. 04. Select a casket or cremation container. 05. Choose the funeral location and type of funeral service. 06. Decide when and where the visitations will take place (attend visitations as well).
Difficult Time That Much Easier 07. Decide what the deceased will wear (if buried). 08. Select the music for the funeral service. 09. Choose literature to be read at the funeral service. 10. Arrange for funeral transportation (funeral coach, limousine, clergy car, etc. ) 11. Choose the clergy or the officiator. 12. Select who you want to be the pallbearers. 13. Select which family member or friend is going to perform the eulogy. 14. Choose a cemetery (if not already chosen by the deceased). 15. Select a burial or cremation plot (if not already chosen by the deceased). 16. Submit the obituary to the appropriate newspapers, etc. Depending on whether or not the death was expected, many of these considerations may have already been planned by the deceased. If the death was sudden, chances are there will be more planning on your part.
•• Local Local Family Family Ownership Ownership •• Area’s Area’s Lowest Lowest Cost Cost Complere Complere Funeral Funeral Plans Plans •• Voted Voted “Lynchburg’s “Lynchburg’s Best” Best” Funeral Funeral Home Home •• On-Site On-Site Cremation Cremation Facility Facility •• Veterans’ Veterans’Discount Discount •• Winner Winner of of “Family “Family Friendly” Friendly” Business Business of of the the Year Year •• Serving Lynchburg, Serving Bedford, Lynchburg, Bedford, Smith Smith Mt. Lake, and coming soon...County from now Amherst Madison Heights and our newest location in Amherst Madison Heights
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You will need to come together and support each other and make sure you each contribute your part to the planning process. Don’t put the burden on just one person; it’s too much to deal with at a time which is already very stressful. Preplanned Funerals Give Older Adults Control Though families may find the topic difficult to discuss, the preplanning of funeral arrangements helps to ensure that an older person’s wishes are met and reduces the survivors vulnerability to sales pressure during a period of emotional stress. Pre-planning can begin at any time, most often in conjunction with the establishment of other financial and legal documents such as wills or powers of attorney. “Some families have long-established patterns for funerals and burials,” says James 0. Pinkerton, CFSP, a funeral director at Orion C. Pinkerton Funeral home in Pittsburgh, Pennsylvania, and a member of the executive board of the National Funeral Directors Association in Milwaukee, Wisconsin. “If a family always uses the same funeral home and has a large family plot in a certain cemetery, an individual really doesn’t need much preplanning.”
Upon request funeral directors are obligated to provide a general price list with the cost of each individual funeral item and service offered. The price list also should disclose legal rights and requirements about funeral arrangements. For example, embalming is not required by law except under special circumstances, but it can become a required purchase with certain arrangements, such as a funeral with a viewing. Individuals who wish to be cremated can deal directly with a state cremation society, says Jack Springer, executive director of the Cremation Association of North America, based in Chicago. Nationwide (as of 2006), about 20 percent of all individuals now select cremation over burial, and states with large concentrations of older adults have cremation rates as high as 40 percent, Springer says. Preplanning is essential, since most states require a deceased person’s next of kin to sign an authorization form permitting cremation. “An individual who wants this option must make his or her wishes known to family members,” Springer points out. From Funeral Service Consumer Assistance Program, National Research & Information Center, and National Funeral Directors Association.
Because
Lynchburg Deserves More The Whitten family has been serving this community for three generations. We’ve been there for your family, providing compassionate, caring service when you’ve needed it most. Over the years, though, things have changed. Families have spread out, moving out of the area and sometimes across the country. We realize that these changes and others have made it difficult for funeral Away From Home Protection® 24-Hour Comassion Helpline® National Transferability
homes to offer the services our community needed – services that allow us to reach across America, and the world, to keep you connected to loved ones in your time of need. That’s why we proudly joined the Dignity Memorial network in 1993. We now bring more world-class services to Lynchburg – many of which are only available through the Dignity Memorial network and Whitten Funeral Homes.
Bereavement Travel Personal Planning Services Grief Support
Veterans Benefits Child & Grandchild Protection
Call today to learn what we can do for you. In Lynchburg
In Madison Heights
WHITTEN PARK AVENUE CHAPEL WHITTEN TIMBERLAKE CHAPEL
WHITTEN MONELISON CHAPEL
(434) 845-4521
Paul C. Whitten, President
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(434) 239-0331
(434) 929-5712
www.whittenfuneralhome.com
GOLDEN YEARS SENIOR DISCOUNT DEALS FROM LOCAL PROFESSIONALS If your business offers a Senior Discount of any kind, and you want more Seniors to know about it and become your new customers, contact Dan@AllAmericanPub.net!
28 years of experience in the building trade. Residential-Light Commercial
KLM BUILDERS
General Contractor • Lynchburg, VA Licensed & Insured
434.239.5122 • 434.401.7000 www.klmbuilders.com
References available upon request Prompt attention to your inquiry - WE SHOW UP ON TIME!
Established 1994
“Honesty ~ Integrity ~ Craftsmanship” Senior Citizen Discount
$100 OFF ANY JOB $1200 OR MORE!
Mention or present coupon at contract signing. Not good with any other offer or discount. 434-401-7000
Previous KLM Projects
Expires 3/31/13
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Locally Owned & Operated Prompt, Courteous Service Guaranteed Work
RandyThePlumber.com Service & Repair Drain Cleaning Water Heaters Faucets Senior Citizen Discount
10% OFF 38 |
SERVICE WORK Mention or present coupon at contract signing. Not good with any other offer or discount. Randy the Plumber & Son, 434-841-2255 Expires 3/31/13
Customer Satisfaction Is Our Top Priority
Precision Marble & Tile PrecisionTileOnline.com 434-401-9898
Residential and Commercial Professional Installation of Ceramic Tile & All Natural Stones Over 30 years Combined Experience Competitive Pricing Working Throughout Virginia
Senior Citizen Discount
10% OFF
KITCHEN BACKSPLASH LABOR-50 SQ. FT. OR OVER Mention or present coupon at contract signing. Not good with any other offer or discount. Precision Marble & Tile, 434-401-9898 Expires 3/31/13
Geoghegan Builders Inc. is a full service Contractor offering the finest in complete home remodeling, design and repair since 2000. Whether you need a new kitchen or bathroom, an addition, a renovation or custom cabinetry, we are here for all your needs and to make life around your home more enjoyable.
OUR SERVICES ROOM ADDITIONS • • • • •
BATHROOMS COUNTERTOPS PAINTING SCREEN PORCHES CUSTOM REMODELING
KITCHENS • • • • •
RENOVATIONS CABINETS CUSTOM TRIM MILLWORK IMPROVEMENTS
GARAGES • SIDING • WOOD FLOORING • ROOFING • CUSTOM CLOSETS
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2012 Conference on Aging Held The annual Conference on Aging was held at Lynchburg College last May, presented by the Beard Center on Aging. About 360 attendees enjoyed free health screenings, about 50 exhibits, a silent auction, buffet luncheon and various workshops that addressed age-related topics. Plan to attend the 2013 Conference On Aging June 4! The morning keynote address was by Dr. Peter Betz of Centra Health, and the closing keynote was by the nationally known Nikki Giovanni, poet, speaker and educator. During the luncheon, awards of recognition were presented to those below by Denise Scruggs, Director of the Beard Center and event organizer.
Gary Cooper of “Senior News” was the recipient of the Outstanding Contribution to Positive Aging in Region 2000 award through his community work.
Elizabeth Shultz of Home Instead Senior Care was honored as the Professional Caregiver of the Year award, having provided about 7000 hrs. of client service.
Dr. Charles Driscoll, a family physician, was recognized as one of five geriatricians of note in the nationally distributed Aging Well magazine.
Nathalie Woman Wins Gift Certificate Seventy-something Colleen Scott of Nathalie, VA filled out and mailed in to us a Reader Survey and won a Dinner-For-4 Gift Certificate from Golden Corral at a random drawing. On her survey she indicated that she was a first-time reader, found the information in the GYG to be useful, and was partially retired. She planned to keep her copy of GYG for future reference.
A Big Thank-You to All… Gertrude McCoy, Lynchburg David Shapiro, Lincoln, Nebraska Gloria Martin, Rustburg Michael Middleton, Forest Mary Stevenson, Madison Heights Carrie Wood, Bedford Linda Moore, Forest Pat Wilhelm, Lynchburg Sherry Creasy, Huddleston Margaret Cooper, Amherst Patricia Trice, Lynchburg Burdy Saunders, Huddleston
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LaWanna Holman, Lynchburg Caroline Crow, Lynchburg Debbie Woody, Forest Jane Owen, Lynchburg Shadene Turner, Lynchburg Laurence Woody, Lynchburg Roberta Lewis, Lynchburg Virginia Governor, Lynchburg Brenda Booze, Forest Frances Baker, Evington Karen Stanley, Lynchburg Ann Middleton, Forest
Barbara Wood, Madison Heights Janet Cofer, Lynchburg Martha Stimpson, Madison Heights Lenora Dane, Lynchburg Elizabeth Coleman, Lynchburg Phillis Watkins, Big Island Theresa Hibbard, Madison Heights Norman Pedigo, Bedford Colleen Scott, Nathalie Rebecca Sanders, Lynchburg
Laughter Beats Drugs! “You’re only young once, but you can be immature all your life.” – Charles Scoggins “An old-timer is someone who can remember when a naughty child was taken to the woodshed instead of to a psychiatrist.” – David Greenberg “Old age is an excellent time for outrage. My goal is to say or do at least one outrageous thing every week.” – Maggie Kuhn “Inside every 70-year-old is a 35-year-old asking, ‘What happened?’” – Ann Landers “As a senior citizen, you may as well learn to laugh at yourself. Everyone else is.” – Judy Huffman “Laughter doesn’t require teeth.” – Wil Newton
Central Virginia’s Golden Years Guide DISTRIBUTORS INCLUDE-
Lynchburg - the main City library; the Lynchburg Community Market; All Kroger stores; Lynchburg Senior Centers; Lynchburg Parks & Recreation Dept.; Lynchburg Regional Social Security office; Thomas Rd. Senior Saints; Central VA Area Agency on Aging; Golden Corral and participating advertisers. Bedford County - Forest Krogers, Forest Post Office; Campbell County - all 4 libraries (Timbrook branch next to Food Lion on Timberlake Rd., Rustburg, Altavista & Brookneal), and reception areas of 50 Greater Lynchburg physician offices. Call 455-2726 for extra copies for your church or place of business while supplies last!
INDEX OF ADVERTISERS A.G. Jefferson Opticians. . . . . . . . . . . . . page 24
KLM Builders. . . . . . . . . . . . . . . . . . . . . . . . . . 37
All Washed Up. . . . . . . . . . . . . . . . . . . . . . . . . 38
Liberty University Planned Giving. . . . . . . . . . 19
Ameriprise Financial . . . . . . . . . . . . . . . . . . . . 31
Piedmont Eye Care. . . . . . . . . . . . . . . . . . . . . . 9
At Home Gourmet. . . . . . . . . . . . . . . . . . . . . . 13
Piedmont Medicare Advantage. . . . . . . . . . . . . 2
Bentley Commons. . . . . . . . . . . . . . . . . . . . . . 15
Precision Marble & Tile. . . . . . . . . . . . . . . . . . 39
Blue Ridge ENT. . . . . . . . . . . . . . . . . . . . . . . . . 3
Randy the Plumber. . . . . . . . . . . . . . . . . . . . . 38
Centra Health . . . . . . . . . . . . . . . . . . . . . . . . . 17
Runk & Pratt Senior Living . . . . . . . . . . . . . . . 29
CVAAA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32
Tharpe Funeral Home & Crematory . . . . . . . . 35
Elite Home Health. . . . . . . . . . . . . . . . . . . . . . 26
Towne Bank Mortgage. . . . . . . . . . . . . . . . . . . 21
Gastroenterology Associates. . . . . . . . . . . . . . 11
Valley View Retirement Community. . . . . . . . . 18
Geoghagen Construction. . . . . . . . . . . . . . . . . 39
Westminster Canterbury . . . . . . . . . 4,back cover
GME Medical Supply. . . . . . . . . . . . . . . . . . . . 32
Whitten Funeral Homes. . . . . . . . . . . . . . . . . . 36
Gentle Shepherd Hospice. . . . . . . . . . . . . . . . 30
Williams Home. . . . . . . . . . . . . . . . . . . . . . . . . 19
Independent Lifestyles. . . . . . . . . . . . . . . . . . . 13
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$6.69 Senior Early Bird Buffet Mon.–Fri. 1–4PM
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Golden 50 Guide
Important Phone Numbers ATHLETICS FOR 55+
HOSPICE CARE
Bowling, Softball, Volleyball . . . . . . . . . . . . . . . . 455-4000 Virginia Senior Games . . . . . 455-4000 or (804) 730-9447
Carilion Hospice Services, Bedford . . . . . . . . . . 587-6592 Gentle Shepherd Hospice . . . . . . . . . . . . . . . . . 846-6270 Hospice of the Hills, Lynchburg . . . . . . . . . . . . . 947-3204
DINING CENTERS & HOME DELIVERED MEALS
LEGAL, TAX & RELATED RESOURCES
Congregate Meal Sites, . . . . . . . . . . . Altavista-369-7141; Appomattox Co.- . . . . . . . 352-7820; Bedford- 586-4108; Lynchburg- . . . . . 846-5752; MadisonHeights- 929-6443; Moneta- . . . (540) 297-5028; Montvale- (540) 297-5028.
Center for Elder Rights/Aging Services . . 1-800-552-3402 Legal Aid by Central VA Area Agency Aging . . . . 385-9070 Legal Aid Society of Virginia . . . . . . . . . . . . . . . . 528-4722 Legal Information Network for Cancer . . . . . . . . 528-4722 Ombudsman/Elder Abuse Program . . . . . . . . . . 385-9070
Home Delivered Meals . . . . . . . . . . . . . . . . . . . . 385-9070 Meals On Wheels . . . . . . . . . . . . . . . . . . . . . . . . 847-0796 Shepherd's Table, Bedford . . . . . . . . . . . . . . . . . 587-6820
PARKS & RECREATION DEPARTMENTS
DISEASE / HEALTH INFORMATION
Amherst Co.-946-9371; Appomattox Co.- 352-7125; Bedford City-587-6061; Bedford Co.- 586-7682; CampbellCo.-332-9570; Lynchburg-455-5858
Alzheimer Asso. of Central VA . . . . . . . . . . . . . . 845-8540 American Asso. of Kidney Patients . . . . . 1-800-749-2257 American Board of Medical Specialties . . 1-866-275-2267 American Diabetes Asso . . . . . . . . . . . . . 1-800-342-2383 American Heart Asso. of VA . . . . . . . . . . . 1-888-277-8009 American Kidney Fund . . . . . . . . . . . . . . . 1-800-638-8299 American Lung Asso. of VA . . . . . . . . . . . 1-800-586-4872 Arthritis Foundation . . . . . . . . . . . . . . . . . 1-800-456-4687 Easter Seal Society of VA Inc. . . . . . . . . . 1-800-365-1656 Leukemia Society of America/VA Chap . . 1-800-866-4483 Multiple Sclerosis Society/Cent. VA . . . . . 1-800-451-0373 Muscular Dystrophy Asso. Main Office. . . 1-800-572-1717 Myasthenia Gravis Found./VA Chap. . . . . 1-800-728-4405 National Cancer Institute . . . . . . . . . . . . . 1-800-422-6237 National Eye Care Project . . . . . . . . . . . . 1-800-222-3937 Virginia Department for the Aging. . . . . . . 1-800-552-3402 Virginia Health Information . . . . . . . . . . . . 1-877-844-4636
SENIOR ADULT PROTECTIVE SERVICES Amherst Co.-946-9330; Appomattox Co.-352-7125; Bedford Co. -586-7750; Campbell Co. -592-9585 SENIOR ORGANIZATIONS Ageless Wonders . . . . . . . . . . . . . . Erma Styles 821-0528 Amer. Asso. of Retired People (AARP) . . (800) 523-5800 Ceramic Club . . . . . . . . . . . . . . . . . . . . . . . . . . . 455-4000 Couples' Club . . . . . . . . . . . . . . . . . . . . . . . . . . . 455-4000 Golden Merrymakers. . . . . . . . . . . . Vivian Lazo 821-5924 Lynchburg College Beard Center on Aging. . . . . 544-8456 Photography Club . . . . . . . . . . . . . . . . . . . . . . . 455-4000 New Chapter Book Club . . . . . . . . . . . . . . . . . . 455-4000 55 Plus @ Thomas Rd. Bapt. . . . . . . . . . . . . . . . 832-2010 National Asso. of Retired Federal Employees. . . 525-0115 SUPPORT GROUPS
FINANCING CARE & BASIC NEEDS
Alzheimer's Support Group, Lynchburg . . . . . . . 845-8540 Breast Cancer Support Group, Lynchburg . . . . . 947-5127 "I Can Cope" by American Cancer Society. . . . . 845-0973 Singles Mingle . . . . . . . . . . . . . . . . . . . . . . . . . . 455-4000 Telecare (Crisis Line) . . . . . . . . . . . . . . . . . . . . . 947-5921 Widow to Widow . . . . . . . . . . . . . . . . . . . . . . . . . 385-8900
Bill Doyle Memorial Wheelchair Program . . . . . . 947-4696 Career Connect, Lynchburg . . . . . . . . . . . . . . . . 385-9070 Fan Care Aid. . . . . . . . . . . . . . . . . . . . . . . . . . . . 385-9070 Home Repair from C.V.A.A.A.. . . . . . . . . . . . . . . 385-9070 Homemaker Service from C.V.A.A.A. . . . . . . . . . 385-9070 Insurance Counseling from C.V.A.A.A. . . . . . . . . 385-9070 Medication Management/ Prescription Assist. . . 385-9070 Senior Employment from L.O.A. . . . . . . . . . . . . . 455-5940 Social Security Administration . . . . . . . . . .1-800-772-1213 Virginia Dept. of Social Services . . . . . . . . . . . . 847-1551
TRANSPORTATION SERVICES Amherst (JAUNT) . . . . . . . . . . . . . . . . . . . 1-800-365-2868 Appomattox (CVAAA) . . . . . . . . . . . . . . . . . . . . . 385-9070 Bedford Ride Program . . . . . . . . . . . . . . . . . . . . 587-3315 Dial-A-Ride . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 385-9070 Greater Lynchburg Transit Co. GLTC . . . . . . . . . 847-7771 Lynchburg Senior Adult Programs . . . . . . 455-5860 ext. 5
HEALTH & HUMAN SERVICES Information & Referral of Central VA . . . . 1-800-230-6977 Volunteer Services Available. . . . . . . . . . . . . . . . 385-9070
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Experience Life Refreshed. Blue skies on a leisurely stroll, a mid-morning swim, sharing a laugh with close friends — whether your dreams include tranquility or adventure, start life anew at Westminster Canterbury. You’ll be inspired by the beautiful surroundings, resort-like atmosphere and warm, inviting neighborhood. Plus, our comprehensive services let you relax and do what you enjoy most. Once you’ve joined, you won’t call it retirement. You’ll call it Life Refreshed. Start planning your future at Westminster Canterbury. Call Laura Hunter at (434) 386-3305 or (800) 962-3520. A LifeCare Retirement Community 501 V.E.S. Road, Lynchburg, VA 24503 www.wclynchburg.org