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Find Local Resources
Call the Eldercare Locator: 1-800-677-1116
The National Aging Network, headed by the Administration on Aging, includes 56 state Agencies on Aging, 622 Area Agencies on Aging, and more than 260 Native American aging programs. All individuals age 60 and older are eligible for services through this network. Most services are delivered on the local level by Area Agencies on Aging (AAAs).
AAAs are public or private nonprofit agencies designated by a state to address the needs and concerns of all older persons at the regional and local levels. AAAs operate in specific service areas that may include a city, county, or multi-county districts. AAA is a general term—names of local AAAs may vary
AAAs coordinate and offer services that help older adults remain in their homes or stay engaged in the community. Services vary widely, but a list of typical offerings is included below. By making a range of supports available, AAAs make it possible for older individuals to choose the services and living arrangements that suit them best.
To help individuals find services, the federal government established the Eldercare Locator. The Eldercare Locator is a nationwide service that connects older Americans and their caregivers with trustworthy local support resources.
Older adults and caregivers should tap into these federal, state and local resources to get the help they need to age well or to care for an aging loved one.
See the table with information for local AAAs on the following page.
• Adult Day Care is available for individuals who need daytime supervision.
• Case Management Services are conducted by professionals who can assess needs and arrange for services to encourage continued independence.
• Elder Abuse Prevention Programs provide investigative services and intervention in cases of abuse.
• Financial Assistance and benefit counseling is conducted by professionals.
• Home Health Services provide needed care in the home environment.
• Home Repair Programs help older adults complete needed repairs to avoid major problems.
• Home Modification Programs provide renovations to make the home safer and more secure for individuals who choose to age in place.
• Legal Assistance is available for individuals aged 60 and older with legal problems involving government benefits, tenant rights and consumer issues. • Nutrition Services Programs provide home delivered meals to homebound individuals and congregate meals in specified locations in the community. • Respite Care provides caregivers with a much needed break from the constant care and supervision of their elderly loved one. • Senior Centers offer educational, recreational and social activities for older adults. • Transportation Programs can provide doorto-door transit for individuals who do not have private transportation and/or cannot use public transportation.
To find services near you, visit n4a.org.
AREA AGENCIES ON AGING
PHONE WEBSITE
DISTRICT OF COLUMBIA
Department of Aging and Community Living (DACL) 202-724-5626 dacl.dc.gov
MARYLAND
Allegany County Human Resources Development Commission 301-777-5970 Anne Arundel County Department of Aging and Disabilities 410-222-4257 Baltimore City Division of Aging and Care Services 410-396-4932 alleganyhrdc.org www.aacounty.org/departments/aging-and-disabilities health.baltimorecity.gov/programs/seniors
Baltimore County Department of Aging Calvert County Office on Aging Carroll County Bureau of Aging and Disabilities Cecil County Department of Community Services 410-887-2109 410-535-4606 baltimorecountymd.gov/departments/aging calvertcountymd.gov/113/Office-on-Aging
410-386-3800
carrollcountymd.gov/aging-and-disabilities 410-996-5295 ccgov.org/government/community-services/aging-and-disability-services
Charles County Aging and Human Services Frederick County Senior Services Division 301-934-9305 charlescountymd.gov/services/aging-and-senior-services 301-600-1234 frederickcountymd.gov/54/Senior-Services
Garrett County Area Agency on Aging Harford County Office on Aging Howard County Office on Aging and Independence
301-334-9431 410-638-3025 410-313-6410 MAC, Inc. (Dorchester, Wicomico, Worcester Counties) 410-742-0505 Montgomery County Department of Health and Human Srvs. 240-777-3000 Prince George’s Department of Family Services 301-265-8450
Queen Anne’s County Area Agency on Aging
410-758-0848 St. Mary’s County Department of Aging & Human Service 301-475-4200 Upper Shore Aging (Caroline, Kent, Somerset, Talbot Counties) 410-778-6000 garrettcac.org/index.php/aging-and-nutrition-services harfordcountymd.gov/651/Office-on-Aging howardcountymd.gov/aging macinc.org montgomerycountymd.gov/hhs princegeorgescountymd.gov/1644/Older-Adult-Services qac.org/155/Area-Agency-on-Aging-Senior-Centers stmarysmd.com/aging uppershoreaging.org
Washington County Commission on Aging 301-790-0275 wccoaging.org
NORTHERN VIRGINIA
Alexandria Division of Aging & Adult Services Arlington Agency on Aging Fairfax Area Agency on Aging Loudoun County Area Agency on Aging Prince William Area Agency on Aging Shenandoah Area Agency on Aging 703-746-5999
alexandriava.gov/Aging 703-228-1700 arlingtonva.us/Government/Departments/DHS/Aging-Disability 703-324-7948 fairfaxcounty.gov/familyservices/older-adults
703-777-0257 loudoun.gov/1104/Area-Agency-on-Aging
703-792-6374 pwcva.gov/department/area-agency-aging
540-635-7141 shenandoahaaa.com
Treating Movement Disorders
Continued from page 32
Dr. Falconer noted that since its founding five years ago, the Inova center has grown dramatically and is focused only on movement disorders. Last year, the center provided care for more than 2,800 Parkinson’s patients alone.
The evolution of treatments
In addition to being more accessible, treatments for Parkinson’s disease and related disorders have also become more advanced and reliable.
“Parkinson’s is a problem of a chemical being low, and that chemical is dopamine,” Dr. Falconer explained. “These patients are a car driving around, and their tank of gas is empty. The gas we have to give them to fill up their tank is dopamine. It’s very much akin to your type 1 diabetics who need insulin to function.”
Traditional medications for Parkinson’s provided dopamine, but they were unable to provide consistent levels of the chemical. Patients would be left experiencing dopamine highs and lows. For instance, when patients have too much dopamine in their system, they may experience dyskinesia, or uncontrolled, involuntary muscle movements. New medications can deliver dopamine in more predictable and consistent ways— giving patients more symptom relief and fewer side effects, Falconer noted.
Beyond more advanced medications, movement disorder specialists can offer other treatments including Deep brain stimulation (DBS), a procedure in which a device that works much like a pacemaker for the brain is implanted and delivers targeted electrical impulses to interrupt faulty brain signals. Specialists can also provide botulinum injections to help treat muscle tightness and dopamine intestinal gel to consistently deliver treatment.
If you or a loved has been living with a movement disorder or were recently diagnosed, a specialist can develop an individualized care plan to meet your specific needs. There is no need to rely on outdated therapies or to settle for inadequate symptom management.
Client Services Director
Financial Planning For Senior Healthcare
Evaluate Needs and Calculate Options
Few things are guaranteed in the game of life. Healthcare costs just might be one of them.
At some point, most people will face ongoing and potentially large healthcare costs. The odds increase dramatically with age.
Now is the time to prepare for healthcare costs as you age. Follow this simple path for planning.
Lifestyle
• Do you have a plan to get to the store and doctor appointments when you stop driving? • Have you considered having services come to your home when you stop driving? • Do you know how your health conditions will progress with age? • Have you thought about staying in your home versus moving elsewhere as you age? • Do you know the senior services support organizations in your community? • Do you have a support system in place if you are caring for a loved one with
Alzheimer’s Disease or another form of dementia?
Cash Flow
• Do you have social security and if so, do you know your monthly income? • Do you have a pension and if so, do you know your benefit income? • Do you understand social security and pension survivor benefits? • Do you know the direct and indirect costs of your health insurance? • Are you saving to cover for emergency healthcare costs? • Do you understand what Medicare will and will not pay for? • Do you understand the three qualification areas to apply for Medicaid financial assistance? • Do you know how your monthly income will change if one spouse dies?
Taxes
• Do you know the kinds of expenses that could be considered deductible when faced with a chronic illness? • Have you consulted with your tax preparer to optimize deductions relating to increased healthcare costs for this year? • Do you know how the SECURE Act affects your retirement?
Financial Institutions
• Do you work with a financial professional? • Do you know when to change your investment strategy (cash, CDs, bonds, stocks, etc.) based on an increase in healthcare costs? • Have you considered if it still makes sense to have accounts at multiple financial institutions versus simplifying or consolidating? • Can family members access and understand your accounts to help when needed?
Long Term Care Insurance (LTCI) Contracts
• Do you understand what your LTCI policy will and will not pay for? • Do you know if your policy has a maximum payout? • Do you know your options if asked to pay a higher premium? • Do you know the criteria for submitting a claim? • Are you aware of the actual cost of care compared to your LTCI reimbursement amount?
Planning Where to Live
• Do you plan to stay in the same area, move closer to family, or move to warmer weather? • If you want to age in place in your home, have you had your home assessed by a healthcare professional for livability? • If you are planning to work with an agency to provide help in the home, have you researched the hourly/daily fee? • If you are considering moving to a retirement community, do you have an idea of the services offered and pricing models? • Are you or your loved one in need of 24-hour care? • Are you familiar with all of the senior housing options?
Finish
If the answer is YES to all of these questions, welcome to a financially feasible retirement.
If the answer is no to some of these questions, then start planning now: lifecareaffordability.com
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MONEY MATTERS
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* Images taken prior to mask requirements. ProMedica offers a unique range of care in the Washington, D.C. Metro and Baltimore areas. By pooling our resources and expertise, we are able to provide carefully coordinated, individualized care options that maximize health, comfort, independence and dignity for our patients, residents, clients and their families.
We’ve got you covered for Memory Care, Skilled Nursing & Rehabilitation, Hospice and We’ve got you covered for Memory Care, Skilled Nursing & Rehabilitation, Hospice and Palliative Care. We’ve got you covered for Memory Care, Skilled Nursing & Rehabilitation, Hospice and Palliative Care. We’ve got you covered for Memory Care, Skilled Nursing & Rehabilitation, Hospice and Palliative Care. Palliative Care.
POST-ACUTE SERVICES POST-ACUTE SERVICES POST-ACUTE SERVICES ProMedica’s skilled nursing and rehabilitation centers have been a pioneer in the changing ProMedica’s skilled nursing and rehabilitation centers have been a pioneer in the changing POST-ACUTE SERVICES ProMedica’s skilled nursing and rehabilitation centers have been a pioneer in the changing landscape of post-acute care offering services for those transitioning from hospital to home. landscape of post-acute care offering services for those transitioning from hospital to home. Our facilities provide individualized quality comprehensive nursing care and short-term, statelandscape of post-acute care offering services for those transitioning from hospital to home. 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We specialize in the treatment of: cardiac conditions, stroke and neurological disorders, chronic disease management, pulmonary cardiac conditions, stroke and neurological disorders, chronic disease management, pulmonary Our facilities provide individualized quality comprehensive nursing care and short-term, statecardiac conditions, stroke and neurological disorders, chronic disease management, pulmonary care, orthopedic injuries and total joint replacement, multiple complex medical issues. care, orthopedic injuries and total joint replacement, multiple complex medical issues. of-the-art therapy services treating a wide range of patients. We specialize in the treatment of: care, orthopedic injuries and total joint replacement, multiple complex medical issues. cardiac conditions, stroke and neurological disorders, chronic disease management, pulmonary care, orthopedic injuries and total joint replacement, multiple complex medical issues. MEMORY CARE MEMORY CAREMEMORY CARE Arden Courts is a memory care community which is 100% dedicated to caring for persons Arden Courts is a memory care community which is 100% dedicated to caring for persons MEMORY CARE Arden Courts is a memory care community which is 100% dedicated to caring for persons living with Alzheimer’s disease and other related dementias. We’ve considered every aspect living with Alzheimer’s disease and other related dementias. We’ve considered every aspect of care, including design, staffing and activities, to offer a safe and supportive environment living with Alzheimer’s disease and other related dementias. 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Our structured, success-oriented programming, which is ongoing ten hours every day, is tailored for all levels success-oriented programming, which is ongoing ten hours every day, is tailored for all levels of care, including design, staffing and activities, to offer a safe and supportive environment success-oriented programming, which is ongoing ten hours every day, is tailored for all levels of dementia and utilizes life skills and interests to create an engaging, social environment for of dementia and utilizes life skills and interests to create an engaging, social environment for all to help maximize our resident’s sense of independence and self-esteem. Our structured, of dementia and utilizes life skills and interests to create an engaging, social environment for our residents. At Arden Courts, we know, we understand, we can help. Because memory care our residents. At Arden Courts, we know, we understand, we can help. Because memory care success-oriented programming, which is ongoing ten hours every day, is tailored for all levels our residents. At Arden Courts, we know, we understand, we can help. Because memory care is all we do.is all we do. of dementia and utilizes life skills and interests to create an engaging, social environment for is all we do. our residents. At Arden Courts, we know, we understand, we can help. Because memory care is all we do. REHABILITATION SERVICES REHABILITATION SERVICES REHABILITATION SERVICES ProMedica Total Rehab+ centers provide state-of-the-art short-term medical and rehabilitation ProMedica Total Rehab+ centers provide state-of-the-art short-term medical and rehabilitation REHABILITATION SERVICES ProMedica Total Rehab+ centers provide state-of-the-art short-term medical and rehabilitation services for patients leaving the hospital but not prepared to go home. Along with support services for patients leaving the hospital but not prepared to go home. Along with support from our hospital system, health plan and wide range of physician services, we provide this services for patients leaving the hospital but not prepared to go home. Along with support from our hospital system, health plan and wide range of physician services, we provide this ProMedica Total Rehab+ centers provide state-of-the-art short-term medical and rehabilitation from our hospital system, health plan and wide range of physician services, we provide this specialized care to our community and patients while adding the expertise that a not-for-profit, specialized care to our community and patients while adding the expertise that a not-for-profit, services for patients leaving the hospital but not prepared to go home. Along with support specialized care to our community and patients while adding the expertise that a not-for-profit, mission-based health and well-being organization can offer. mission-based health and well-being organization can offer. from our hospital system, health plan and wide range of physician services, we provide this mission-based health and well-being organization can offer. specialized care to our community and patients while adding the expertise that a not-for-profit, mission-based health and well-being organization can offer. HOSPICE HOSPICE HOSPICE Hospice care is a specialized care that focuses on supporting patients Hospice care is a specialized care that focuses on supporting patients HOSPICE Hospice care is a specialized care that focuses on supporting patients and their loved ones during an advanced illness. The emphasis is on and their loved ones during an advanced illness. The emphasis is on comfort and quality of life, rather than finding a cure. Hospice care and their loved ones during an advanced illness. The emphasis is on comfort and quality of life, rather than finding a cure. Hospice care Hospice care is a specialized care that focuses on supporting patients comfort and quality of life, rather than finding a cure. Hospice care enables patients to live each day to the fullest as comfortably and enables patients to live each day to the fullest as comfortably and and their loved ones during an advanced illness. The emphasis is on enables patients to live each day to the fullest as comfortably and dignified as possible. ProMedica Hospice provides care for the body, dignified as possible. ProMedica Hospice provides care for the body, comfort and quality of life, rather than finding a cure. Hospice care dignified as possible. ProMedica Hospice provides care for the body, mind and spirit. We encourage our patients to share their thoughts, mind and spirit. We encourage our patients to share their thoughts, enables patients to live each day to the fullest as comfortably and mind and spirit. We encourage our patients to share their thoughts, hopes and concerns, so we can better meet their unique needs. hopes and concerns, so we can better meet their unique needs. dignified as possible. ProMedica Hospice provides care for the body, hopes and concerns, so we can better meet their unique needs. mind and spirit. We encourage our patients to share their thoughts, hopes and concerns, so we can better meet their unique needs.
PROMEDICA ProMedica is a mission-based, not-for-profit integrated healthcare organization headquartered in Toledo, Ohio. The organization offers acute and ambulatory care, an insurance company with a dental plan, and post-acute and academic business lines. As an integrated health care system, PROMEDICA PROMEDICA ProMedica is a mission-based, not-for-profit integrated healthcare organization headquartered ProMedica’s services span the full spectrum of care including wellness, acute care, physician ProMedica is a mission-based, not-for-profit integrated healthcare organization headquartered in Toledo, Ohio. The organization offers acute and ambulatory care, an insurance company with services, skilled nursing and rehabilitation care, memory care, home health, hospice and palliative in Toledo, Ohio. The organization offers acute and ambulatory care, an insurance company with a dental plan, and post-acute and academic business lines. As an integrated health care system, services. Driven by its Mission to improve your health and well-being, ProMedica has been a dental plan, and post-acute and academic business lines. As an integrated health care system, ProMedica’s services span the full spectrum of care including wellness, acute care, physician nationally recognized for its advocacy programs and efforts to address social determinants of health. ProMedica’s services span the full spectrum of care including wellness, acute care, physician services, skilled nursing and rehabilitation care, memory care, home health, hospice and palliative services, skilled nursing and rehabilitation care, memory care, home health, hospice and palliative services. Driven by its Mission to improve your health and well-being, ProMedica has been PALLIATIVE CARE services. Driven by its Mission to improve your health and well-being, ProMedica has been nationally recognized for its advocacy programs and efforts to address social determinants of health. nationally recognized for its advocacy programs and efforts to address social determinants of health. Palliative care is specialized care for patients living with serious, progressive illnesses. It is patientcentered and focused on providing relief from the physical and emotional symptoms often associated with disease progression. The ProMedica Palliative Care team draws on the extensive PALLIATIVE CARE PALLIATIVE CARE Palliative care is specialized care for patients living with serious, progressive illnesses. It is patientexperience of our interdisciplinary professionals to help minimize the impact these illnesses have on Palliative care is specialized care for patients living with serious, progressive illnesses. It is patientcentered and focused on providing relief from the physical and emotional symptoms often patients’ lives. centered and focused on providing relief from the physical and emotional symptoms often associated with disease progression. The ProMedica Palliative Care team draws on the extensive associated with disease progression. The ProMedica Palliative Care team draws on the extensive experience of our interdisciplinary professionals to help minimize the impact these illnesses have on experience of our interdisciplinary professionals to help minimize the impact these illnesses have on patients’ lives. patients’ lives.
ARDEN COURTS PROMEDICA MEMORY CARE 4301 Knowles Avenue, Kensington, MD 20895 .................................................................301-493-7881 10718 Potomac Tennis Lane, Potomac, MD 20854.............................................................301-983-3620 2505 Musgrove Road, Silver Spring, MD 20904..................................................................301-847-3051 7104 Braddock Road, Annandale, VA 22003.......................................................................703-256-0882 12469 Lee Jackson Mem Hwy, Fairfax, VA 22033 ...............................................................703-383-0060 8909 Reisterstown Road, Pikesville, MD 21208 ..................................................................410-415-5600 8101 Bellona Avenue, Towson, MD 21204 .........................................................................410-847-9400
PROMEDICA SKILLED NURSING AND REHABILITATION Washington, D.C. & Virginia...............................................................................................888-255-7084 6530 Democracy Boulevard, Bethesda, MD 20817 8700 Jones Mill Road, Chevy Chase, MD 20815 10714 Potomac Tennis Lane, Potomac, MD 20854 2501 Musgrove Road, Silver Spring, MD 20904 11901 Georgia Avenue, Wheaton, MD 20902 1510 Collingwood Road, Alexandria, VA 22308 550 S. Carlin Springs Road, Arlington, VA 22204
Baltimore...............................................................................................................................888-255-7084 4669 Falls Road, Baltimore, MD 21209 6600 Ridge Road, Baltimore, MD 21237 7001 N. Charles Street, Towson, MD 21204 509 E. Joppa Road, Towson, MD 21286
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Daily Money Management
Money matters. And money matters can be complicated. Medical bills, insurance invoices, mail, bank statements, and retirement account information can pile up—and something important can easily be missed. But there are professionals who can help.
What is a Daily Money Manager?
Daily Money Managers (DMMs) are financial professionals who handle daily money matters for clients including paying bills, establishing budgets and keeping records. DMMs serve older adults, people with disabilities, busy professionals, high net worth individuals, and small businesses.
DMM services provide value in monitoring medical bills, ensuring that Medicare and other health insurance have paid their share before the client pays any balance due. Additionally, DMM assistance in assembling papers needed for income tax preparation and in documenting medical and charitable contributions often means the client will pay lower taxes each year.
Since Daily Money Managers often work with elderly persons living in their homes, they can provide recommendations to other seniorserving professionals as needed. If they see that a client is in any way “at risk” due to impaired vision, physical limitations, or confusion, they can make referrals to community resources, including care managers, attorneys, and accountants.
Daily Money Managers can help:
Older adults who need help paying bills and managing accounts Individuals with disabilities who need assistance with personal finances Victims of identity theft or fraud Adult children who are stepping in to help a parent manage finances following a hospitalization or because of declining mental or physical abilities Family members who are managing finances following the death of a loved one High net worth individuals and small business owners who need help keeping accounts updated or preparing information to file taxes.
How do I find a Daily Money Manager?
Because finances are a highly personal matter, hiring a DMM is an important and individual decision. Referrals from a friend, colleague, or other professional are a good place to start.
The American Association of Daily Money Managers’ website (www. aadmm.com) can also provide valuable information that will help consumers learn more about daily money management and find a reliable DMM. The association represents professionals in the field by providing information and education to members and the public and maintaining a network of dedicated
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professionals. The website includes a “Find a DMM” search function that can help consumers find qualified professionals in their area.
Schedule your free, no-obligation consultation to learn more about how we can help.
703.868.8664
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Medicare Basics
Understand the program
Medicare is complicated. It is also a vital component of the U.S. healthcare system that every citizen should understand. Enrolling in Medicare is a major milestone that for many individuals means better healthcare and lower costs. Before picking a Medicare option, consumers should familiarize themselves with some key facts. WHAT IS MEDICARE? Medicare is a federal program that offers health MEDICARE TO DO LIST insurance to American citizens and legal residents over the age of 65 and those with qualifying disabilities. Learn the basics. Research costs. Use online resources: Medicare has four parts: A, B, C, and D. www.medicare.gov Part A – Covers hospital stays, limited skilled nursing Medicare and You Handbook 2022— and rehabilitation care, limited home health care, and available at www.medicare.gov hospice care. There is no cost for this coverage for www.ssa.gov — to confirm your eligibility most Americans over the age of 65. Parts A and B are sometimes known as Original Medicare. Get FREE counseling and assistance to find Part B – Covers doctor visits, surgeries, labs, tests, the right plan: emergency room care, urgent care, medical equipment, VA Insurance Counseling and Assistance and a variety of other services not covered under Part A. Consumers pay premiums and co-pays and must Program (Virginia only): gov/vicap.htm www.vda.virginia. meet deductibles before Medicare pays. Premiums State Health Insurance Assistance Programs are based on income and change annually. (all states): www.shiptacenter.org Part C – Frequently called Medicare Advantage Plans, these provide an alternative for those who want more Medicare Portal (select states) — Staffed by licensed insurance agents who can provide assistance and complete enrollment: coverage than what Part A and Part B offer. Medicare www.medicareportal.org
Advantage plans are operated by private insurance companies and provide benefits that meet or exceed Learn what your Medicare enrollment options are if you are working past 65 and choose those found in Original Medicare, as well as additional to maintain your employer or union-provided benefits for dental, vision, hearing and other health needs. health plan.
Plans usually include Part D coverage as well. Care is Set a reminder to apply for Medicare under delivered by an approved network of providers. your Initial Enrollment Period (IEP), which Part D – Prescription drug coverage administered by Medicare. It gives beneficiaries the opportunity begins 3 months prior to your 65th birthday and lasts until three months after your birthday. This can help you avoid penalties.to purchase retail prescriptions at an affordable, discounted rate. Provided as a stand-alone plan or as part of a Medicare Advantage plan. Continued on page 107
Discover Our PATH to Success
Your PATH to Medicare Success
Medicare Portal helps you navigate Medicare, so you feel more confident in your decisions. Our team of local, independent agents help you explore, choose and enroll in a Medicare insurance plan that’s right for you. Receive our support at no cost throughout your lifetime!
703-270-0108
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