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Free 2014

Successful Aging Central Kentucky’s

resource guide 2014

Alzheimer’s Breakthrough? / Medicaid Trusts / Social Security / Power of Attorney / Elder Success Story

Serving Central Kentucky Families For 16 Years

www.lexingtonfamily.com

Successful Aging Central Kentucky’s

resource guide 2014

contents 4

Alzheimer’s Breakthrough?

6

Water Buddies

10 12 16

Early Diagnosis May Lead To Successful Treatment

Fitness Class Builds Muscles – And Strong Friendships

Power of Attorney Everything You Need to Know From The Lawyers at Bluegrass ElderLaw

Value of a Medicaid Trust Attorney Robert McClelland Explains How to Protect Your Assets

Levels of Care

Know the Differences: From Independent Living to Skilled Care

18 20 2

Should I Wait or Should I Go?

8 Did you hear the one about the former UK First Lady? Betty Dickey, 92, keeps them laughing at Mayfair Village Retirement Community.

Publisher…………........Dana Tackett Editor…………………John Lynch Advertising……………. Lindsay Emmerich

Gary Mazza

Kari Mullins Glenda Isaac Marketing & Promotions…Laurie Evans Graphic Design…………Daniel Morgan Administrative Assistant….Carla Hall The 2014 Central Kentucky Successful Aging Resource Guide is published by Lexington Family Magazine, Central Kentucky’s source for parenting and family information.

Social Security: Advice From Financial Advisor Jason Veinot

Resource List From Alzheimer’s to Ways to Stay Active, A Complete Directory

|| www.lexingtonfamily.com

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2014 Successful Aging Resource Guide || www.bgelderlaw.com

3

Alzheimer Breakthrough?

Early Diagnosis – Now Possible – May Lead to Successful Treatment

O

ver the past several decades, researchers have made astounding discoveries into the causes of Alzheimer’s Disease, which now affects more than 5.4 million Americans.

These discoveries have led to two major realizations, according to Dr. Gregory A. Jicha and Sarah Tarrant, M.S.W. of the Sanders-Brown Center on Aging at UK: 1) The problem is much bigger than we previously anticipated 2) Medications may already exist that can stop this disease before the first signs of memory loss begin.

But there is a caveat to No. 2.

Researchers must be able to identify individuals at risk for the imminent development of AD before they actually develop memory problems.

This is when the earliest biological signs of plaques and tangles are forming in the brain.

Further, these persons need to start taking medicine at this earliest stage of disease, the time at which no actual symptoms of memory loss

exists.

Although this may sound impossible, the days of waiting for autopsy to definitively diagnosis AD are rapidly coming to an end, according to Dr. Jicha, who is a professor of Neurology at UK. With the advent of new biological markers such as amyloid-PET scanning, approved for clinical use by the FDA in 2012, researchers can see the earliest signs of disease at least 10 years before the first clinical symptoms of memory loss appear.

While such discoveries allow for the development of prevention trials for the first time in history, they also have uncovered the extent of the real problem that we are facing today.

D

r. Jicha proposes the following numbers: There are 39.6 million

“We will fight this battle here in Kentucky and across the US, and will not stop until we see the day when Alzheimer’s Disease is nothing more than a memory that we could all hope to forget!”

Dr. Gregory A. Jicha, of UK and Sanders-Brown Center on Aging.

4

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Americans older than 65, and 5.4 million Americans are diagnosed with AD. But other studies have demonstrated that there are approximately 7 million people in the U.S. who currently have early signs of memory problems.

What researchers haven’t known until now is that another one-third of Americans who have normal memory and thinking already have biological evidence for AD changes in their brains.

That means that 25 million Americans – or two-thirds of people over 65 – actually have biological evidence of AD! “The numbers are astounding and suggest that we have only been seeing the very tip of the iceberg until now,” Dr. Jicha said.

This understanding suggests that AD is like a cancer that may be growing inside people, undetected until the first symptoms appear and the disease is discovered.

Like cancer, we know that when the disease has progressed too far, the treatment options are limited.

But the earlier the disease is found,

the greater the chance that doctors can stop the disease and potentially cure the cancer.

The same may hold true for AD. Over the past two years, researchers have shown for the first time that new medicines can slow and even reverse the buildup of amyloid plaques in the brain that may cause AD. Although these medicines could not stop or reverse the disease in people with late stage AD, researchers believe that they may be able to slow or stop the disease if it is caught early enough, before memory problems begin to appear.

To this end, researchers supported by the National Institute of Aging, have developed the A4 trial (Anti-

Amyloid in Asymptomatic Alzheimer’s), which is scheduled to start in early 2014.

This represents the cumulative work of hundreds of the world’s experts on Alzheimer’s Disease, decades of research, and is supported by millions of dollars that is funded through federal, private sector, and public philanthropy as our best hope ever to tackle and defeat this disease in our aging population.

Said Dr. Jicha: “We will fight this battle here in Kentucky and across the US, and will not stop until we see the day when Alzheimer’s Disease is nothing more than a memory that we could all hope to forget!” Y

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5

Water Buddies

astic n t fi r Wate ly, highai t – a d workou et gy ener usic. G m r, with healthie e k et fit, g ight, ma nd we lose riends, a f new tect your pro s. joint

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Fitness Class Helps Women Build Muscles – And Strong Friendships

T

hese are the stated goals of the water fitness class offered at the warm water pool at the Beaumont Centre Family YMCA, but these 20 words hardly begin to define the class.

As the group warms up on a weekday morning, participants (almost all older women) greet each other, welcoming new folks to the class and those who may have missed a class or two.

The chatter continues into the beginning of the workout as friends inquire about each other’s health and

By Laurie Evans families, comment on a new bathing suit or discuss the UK basketball team.

“I look forward to talking to my friends each class,” said Kay Arnold, 66.

As instructor Charlesy Schroyer points out: “They come for the exercise but they stay for the friends, the support system and the sense of belonging.”

And the connectedness doesn’t end when they climb from the pool.

When a member misses class because of health issues, classmates often send a card signed by all the members.

Regulars take it upon themselves to

greet newcomers and learn their names.

At a recent class, Schroyer reminded women of the deadline to bring in cards that will be mailed to a member’s son who is stationed in Afghanistan.

In October, class members collected yogurt lids that were mailed to General Mills, which makes a donation to the Susan G. Komen Foundation for breast cancer research.

“This is a wonderful group,” Schroyer said.

Simmons has been active in water fitness classes for 25 years, in Lexington and Florida.

When I visited the class one Monday morning in September, the pool was filled to capacity with women and a few men, most of them seniors, who echoed Simmons’ sentiments.

Carolyn Moore, 65, is new to the class and recovering from two knee replacement surgeries.

Charlesy Schroyer puts the “I find it helps my fitness class through its paces. tone, balance and strength,” she said. chroyer herself joined a “I noticed a difference in just three water aerobics class when the weeks. Even my granddaughter Beaumont Y first opened in noticed the change.”

S

2001.

She enjoyed the classes so much that she trained to become an instructor.

It’s clear that it’s not just the exercise that attracts participants week after week.

Many members have been coming for years, like Linda Cueni, 70, a water aerobics regular for seven years.

“I used to walk and jog, but I got tired of it,” Cueni said.

“I needed a life change so I bought a bathing suit and joined up.”

The class celebrates birthdays, including one for Ethel Gilligan, a regular participant who turned 104 in October.

She comes most days with her daughter, Pat Burns.

The women dress up for Halloween, don blue and white beads for UK games and shoot baskets in the pool during basketball season.

Amid the social time, the women actually enjoy an invigorating workout as well.

The warmth and buoyancy of the pool water soothe painful joints.

“It’s the best thing I do,” said Alice Simmons, a 77-year-old regular.

“I’ve had three joint replacements and the beginnings of dementia. My neurologist says this is the best thing I can do.”

S

chroyer, who underwent knee replacement surgery herself, is a nationally certified water fitness instructor by the Aquatic Exercise Association with more than 15 years of experience.

She is also cheerleader, fan, friend and supporter to her students.

“Everybody loves Charlesy,” said Arnold, a sentiment repeated by almost everyone I asked.

Water aerobics doesn’t seem like an obvious fit for Susan England-Fuller, 60, who is blind.

Still, she has no trouble keeping up with the instructor.

“I have some friends who help me out in class, tell me what we’re doing,” England-Fuller said.

“You can get isolated when you’re blind. This class helps me keep up my social activity.”

As exercises go, water fitness is one of the most fun. The class combines cardio workouts to music with strength training and stretching.

Schroyer’s blend of oldies and dance favorites, with the occasional UK fight song thrown in, strikes a chord with her students.

Perhaps the Y’s definition of the Waterfitnastic should add one more line – “The best place to be.” Y

S

Silver Sneakers At YMCA

ilverSneakers is an exercise program offered through participating health plans that helps older adults improve health through physical activity and social events.

The YMCA of Central Kentucky offers a variety of programs and classes designed specifically for active older adults.

These programs include group exercise appropriate for all fitness levels, as well as SilverSneakers programs, and are offered Monday through Friday at area YMCA locations.

SilverSneakers Classic is a dance exercise class designed to increase muscular strength and range of movement. Other classes include: SilverSneakers Circuit – A standing circuit workout designed to increase cardiovascular and muscular endurance.

SilverSneakers Splash – A movement class in the pool that helps improve agility, flexibility and cardiovascular endurance (no swimming ability is required).

SilverSneakers Yoga – Flexibility, balance and range of movement are addressed in a series of seated and standing yoga poses.

SilverSneakers Cardio – A safe aerobics class that is heart-healthy and gentle on joints. The workout includes low-impact movements, as well as upper-body strength, abdominal conditioning, and stretching and relaxation exercises.

Let’s Ride – This indoor cycling class provides a workout for the legs and upper body.

2014 Successful Aging Resource Guide ||

7

Betty Dickey

Retirement Community Success Story

Former First Lady at UK Spreads Laughter At Mayfair Village Retirement Community When Betty Dickey, 92, and her husband, Frank, former president of the University of Kentucky, moved to Mayfair Village 14 years ago, he said to her: “What are you going to do when you get there? You won’t have to cook.

You won’t have to clean. What are you going to do with yourself?”

Betty shot back: “I’m going to make people laugh.”

And that’s what she’s done for 14 years.

Betty grew up in St. Joseph, Missouri, home of the Pony Express, before moving to Lexington as a school girl. (“They went that-a-way, and I went this-a-way,” Betty quipped.)

As a student at Bryan Station High, she met Frank, a student teacher. The two were married two years later.

“In October, we would have been married 73 years,” Betty said.

With those words still lingering in the air, she added, “Did you hear about the Italian couple who were married 50 years?”

Betty doesn’t wait for an answer.

“People asked the husband, ‘What did you get your wife on your 25th anniversary?

‘Oh, I brought her back to Italy to visit her family and see her hometown.

She had a wonderful time,’ he said.

‘What will you get for your 50th

8

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anniversary?

‘I’m going back to Betty Dickey, 92, has delighted her fellow residents at Italy to get her.’”

Mayfair Village with her quick wit for the past 14 years.

And so it goes with Betty, whose gait may have slowed but not her wit.

Village and keeps it on the fourth floor.

She brought that sense of humor to After UK, Frank worked in higher her job as First Lady of UK when Frank education in North Carolina, Idaho, was president from 1956 to 1963, a Florida and Washington, D.C., before period of unprecedented growth for the he and Betty returned to Lexington in university.

1978.

The Albert B. Chandler Medical In 1999, they moved into Mayfair Center and Patterson School of Village and lived together until Frank Diplomacy buildings were completed, passed away in 2009. He was 92. and UK purchased Coldstream Farm The community at Mayfair Village and Spindletop Hall. has become even more important to Meanwhile, the couple raised Betty since Frank’s passing. three children: Frank, 70, a former “This is the warmest, friendliest attorney; Joe, 68, a professional singer community you can imagine,” Betty in California; and Ann Haynes, 66, said. a veteran teacher at The Lexington She takes full advantage of the social School. opportunities Mayfair offers, playing Betty now has nine grandchildren bridge on Monday and Fridays and and eight great grandchildren. every other Thursday.

On Sunday afternoons Mayfair serves The Dickey family is tea and scones while screening past a musical group. Frank episodes of “Downton Abbey,” which played many instruments, Betty rarely misses. including piano, organ She has been active in a women’s and trumpet. The charitable organization called PEO, children all sing, and Ann officially known as the Philanthropic plays piano in her church choir, and Educational Organization, but Betty with the Cane Ridge Revival band. jokingly refers to it as “People Eat Betty played the snare drum in the Onions.” county band in her youth and played Betty credits the staff and activities the piano and organ for many years. directors at Mayfair Village for much of Betty brought her organ to Mayfair

}}}

3102AdvPlanning-FamilyMag:3102AdvPlanning-FamilyMag

10/19/12

2:55 PM

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2014 Successful Aging Resource Guide ||

9

Everything You Need to Know About...

Power

o f

E

Attorney

ver wonder what steps you can take to provide for yourself when you can no longer make your own decisions? What about if you just need assistance handling your legal or medical affairs?

The most important step is to appoint a trusted “agent” who is authorized to make decisions on your behalf.

You may appoint an agent to handle your legal and financial affairs, and you may appoint an agent to handle your health-care decision-making.

If so, consider the following points.

Appoint your agent (also called your “attorney in fact”) in a written document called a power of attorney.

Carefully select your agent, making sure the person is responsible and reliable.

Appoint an alternate to serve your needs in case your agent is unavailable for any reason.

The document must be signed by you, the grantor, also called the principal.

The document must be signed before a notary public. Some jurisdictions other than Kentucky require the documents also to be witnessed by two unrelated people.

You may want to do this in case the document is ever used outside of Kentucky.

For a power of attorney to be durable, i.e. to continue beyond the incapacity of the grantor, the following language needs to be included: “This power of attorney shall not be affected by subsequent disability or incapacity of the principal or the lapse of time.”

The document must enumerate the powers that you have granted to your agent, who may perform only those acts that are specified in the

10

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By Amy E. Dougherty & Carolyn L. Kenton

the Social Security Administration office.

It may be prudent to include in your document a paragraph stating that the agent is required to maintain accounting records and to make those records available to you or someone else of your choosing upon request.

You also may want to permit your agent to be paid for time spent assisting you. Such a provision will place the agent on a professional level.

Power of Attorney Key Terms Capacity: Appointment of an agent must occur while the principal has capacity to make the choice.

Elements of capacity are the ability to reason and remember and to make choices, to see consequences of your actions and to plan for the future.

Having a diagnosis of dementia does not necessarily mean that a person lacks capacity to appoint an agent.

Undue Influence: A grantor also must not be under “undue influence,” which is influence over a person’s mind that destroys the person’s free actions and constrains him to do against his will that which he would otherwise refuse to do. Y

instrument itself.

In order to transfer real property, the power to transfer must be provided for in the document and the original document must be filed with the County Clerk in the county where the property is located.

Under Kentucky law, an agent may not gift assets of the grantor to himself unless that gifting power is specifically stated in the POA document.

It may be useful for the document to contain a provision to allow your agent to access medical information in compliance with the HIPAA statutes.

The release of medically related Amy E. Dougherty, top, and Carolyn L. Kenton are attorneys with Bluegrass ElderLaw, 120 information may North Mill St., Suite 300. Formerly with Legal allow your agent to Aid of the Bluegrass, Dougherty worked for the make more informed Kentucky Public Service Commission and is a decisions on your member of the Fayette County and Kentucky behalf.

Bar associations (Elder Law Section) and the To facilitate National Academy of Elder Law Attorneys.

Medicaid applications Kenton, a former state representative, and interaction with established Bluegrass Elder Law in 2011 after other government 20 years of private practice in Lexington. A agencies, you should published author on elder law, Kenton is a member of the Elder Law and Probate and consider a provision Property sections of the Fayette County Bar to allow your agent Association, and a member of the National to interact with the Academy of Elder Law Attorneys.

Medicaid office and Info: 859.281.0048 or www.bgelderlaw.com.

her enjoyment.

“They don’t hire anyone here who doesn’t like old people,” she said.

Betty’s daughter, Ann, agrees, saying, “Mayfair Village is like the best hotel in Lexington.”

Ann and her family enjoy visiting her mother every Sunday. For Ann, having her mother so well cared for is comforting.

“For me and my brothers, their support of Mother, especially since Dad died, is a godsend,” she said.

Mayfair Village offers 72 Independent Living and 24 Licensed Personal Care apartment homes. Residents enjoy chef-prepared, Kentucky-Proud meals, personal transportation seven days a week, housekeeping services and a brimming social calendar.

There are bingo, blackjack, scrabble and Wii bowling games; social gatherings like singlalongs, storytelling, Bible study, book and poetry groups and a current events meeting; and exercise groups and chair yoga.

A unique program is “Reader’s Theater” where residents choose a play, assign parts, practice and then read to an audience. The description notes that “Talent is optional.”

Jessica Sweeney, Marketing Director at Mayfair Village, credits the active social calendar as one of the community’s

prime features.

“We want our residents to remain as healthy, independent and engaged in life as possible,” she said.

Residents regain a spring in their step and begin enjoying life again after they move in, she said.

“Many of our residents tell us, ‘Gosh, I wish I’d done this sooner.’”

Special events and outings at Mayfair Village have included trips to Betty and Frank Dickey, Keeneland, a UK Women’s UK President, 1956-63.

Club Craft Fair, visits to the Opera House, a photography exhibit, group outings to plays and a holiday boutique.

“After living at Mayfair Village for 14 good years, I find that my life here is so enjoyable,” said Betty, who serves an unofficial ambassador for the community. She has recommended Mayfair to many of her friends.

“I like to tell people that Mayfair is the best of the 30 places I’ve lived, and that’s why I call it home.” Y

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1125 Lexington Road, Wilmore, KY 40390 www.wvillage.org facebook.com/wvinfo Susan Blankenship, Marketing Dir. 859-858-3865 ext. 227

2014 Successful Aging Resource Guide ||

11

Planning for Long-Term Care The Value of a Medicaid Trust

By Robert L. McClelland

A

ging adults often come to an attorney wanting help planning their estate. Their focus is most often on “what happens if I die?”

However, what the aging adult should really be focused on is “what happens if I live?” Especially if one needs long-term care.

The cost of nursing care at home can exceed $110,000 per year. “Private pay” rates for nursing home care are at least $6,000 per month and are quickly approaching $8,000 in some facilities.

Long-term care insurance or life insurance with a long-term care “rider” can be immensely valuable to help the aging adult.

But with good planning, Medicaid can also be an option without impoverishing the family.

in a nursing facility, and coverage is limited to a maximum of 100 days (only 20 days fully paid) regardless of what assets a person owns.

Medicaid is health insurance that can pay for nursing home care, provided that the aging adult is eligible, because they have limited resources that they own.

One strategy to help become eligible for this valuable Medicaid benefit is use of a Medicaid Trust. A Trust is a contract agreement between the aging adult, called the Grantor, and an agent, such as his children, known as the Trustee.

Like a will, the Trust is set up to ensure that an aging adult’s assets are directed to his designated beneficiaries.

A will is a document Robert L. McClelland that has legal importance McClelland & Associates, PLLC only when one dies.

1795 Alysheba Way, Unit 2102, Lexington 543-0061 / www.Lexingtonelderlaw.com Whereas a will speaks Robert McClelland is the immediate past as of the date of death, chair of the Ky. Bar Association’s Elder Law the Trust works during Section. He holds a master’s in Elder Law one’s lifetime to reduce (LLM) and is a member of the National or eliminate the wait for Academy of Elder Law Attorneys.

Like a will, the Trust can ensure that an aging adult’s assets are directed to his beneficiaries.

As attorneys, we don’t make choices on how a client pays for nursing care, but we do provide to the aging adult as many options as possible from which they can choose.

Medicare and Medicaid are often confused when it comes to long-term care. Medicare is medical insurance that will only pay for rehabilitation

12

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Medicaid eligibility while preserving family resources.

An example is for the parent to have an attorney draft an irrevocable family trust with the children as Trustees but that does not have the parent as a beneficiary. Essentially, the parent has “given away” the resource.

The children are named as Trustees and as beneficiaries. The children are essentially the owners of the resource and can use the fund as they desire, including caring for aging parents.

If assets owned by the Grantor are held in the Medicaid Trust five years before applying for Medicaid, the assets are no longer “available” to the Grantor for Medicaid eligibility purposes.

This can make a Grantor who needs skilled nursing care eligible for Medicaid assistance.

If the Grantor cannot get past the five-year period, the Trust can still be used to protect part of the assets for the benefit of your loved ones while helping qualify for the lifetime benefit of paid nursing home care.

But in order for this complex but valuable planning to work, it is recommended that the family contact an experienced elder care attorney who understands the Medicaid rules.

All the while, your will is still waiting for you to die. Y

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2014 Successful Aging Resource Guide ||

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lexingtonfamily.com 2014 Successful Aging Resource Guide ||

15

F

Learn Lingo th e

inding the right care for your loved ones can be difficult, even at the best of times.

Knowing the “lingo” of elder care housing can make choosing the right community much easier.

(For more information, please see Housing Guide, facing page.)

Independent Living Independent Living communities are for older adults who are able to function without supervision or personal assistance. Many communities offer services such as meals, transportation, social and recreational activities and housekeeping. Residents are usually required to sign a one-year lease. Factors to consider include terms of the lease agreement, costs for extra services, services offered on site (exercise room, library, etc.), transportation, housekeeping and social activities.

Assisted Living Assisted Living is similar to Independent Living communities but with additional services, including assistance with activities of daily living (bathing, dressing, personal care and medication reminders).

Some long-term care insurance policies cover the cost of Assisted Living. Factors to consider include certification, staff-resident ratio, housekeeping, transportation, shopping and laundry services.

Personal Care

Skilled Nursing Care This level of care is most appropriate for individuals needing 24-hour supervision and health care.

Individuals who are in need of rehabilitation after a hospital stay may be discharged to a nursing home for temporary care. Skilled Care may be covered by Medicare and Medicaid. Questions: Are the residents well groomed? How many beds are certified for Medicare? For Medicaid? What are the results of annual state inspections (or surveys)? Are residents encouraged to exercise their rights as outlined by the 1987 Nursing Home Reform Law?

Generally smaller than Assisted Living communities, Personal Care facilities offer 24-hour supervision, meals, assistance with daily activities of living, and supervision of medication intake. Factors to consider are similar to Assisted Living.

In Home Services People staying at home as long as possible may need assistance with activities of daily living such as housekeeping, laundry, shopping and even companionship. Many local businesses provide in-home services such as skilled nursing, help with medications and more.

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Ashland Terrace (Women Only)

475 S. Ashland Ave.

Bridgepointe at Ashgrove Woods

5220 Grey Oak Ln, Nicholasville

Cambridge Place Cardinal Hill Rehabilitation Hospital Council Oaks Daisy Hill Senior Living Hartland Hills The Lafayette Lexington Country Place Liberty Ridge

266-2581

35

885-3000

72

2020 Cambridge Dr..

252-6747

118

246-8801 2050 Versailles Rd.

74

111 Coconut Grove, Nicholasville

887-9382

19

753-2000 1001 Crossfield Dr., Versailles

45

273-1212

117

1005 Tanbark Rd.

278-9080

149

259-3486

133

543-9449

120

266-2129

96

554-0060

73

269-6308

262

263-2410

120

745-4094

108

271-9001

370

690 Mason Headley Rd. 700 Mason Headley Rd. 701 Liberty Ridge Lane

Mayfair Village Retirement Center

3310 Tates Creek Rd.

Morning Pointe of Lexington

233 Ruccio Way

Richmond Place Richmond Place Rehab

3051 Rio Dosa Dr.

(a part of Richmond Place)

2770 Palumbo Dr.

Rose Mary C. Brooks Place

200 Rose Mary Dr. Winchester

Sayre Christian Village

580 Greenfield Dr.

The Willows At Hamburg

2531 Old Rosebud Rd.

Wesley Village

1125 Lexington Rd., Wilmore

543-0337

858-3865

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ied are rtif s C Ce er’ im he Alz aid dic ted Me cep Ac are dic ted Me cep Ac y cit pa Ca g sin ur dN e ille Car Sk are lC na rso Pe ted sis g As i n Liv nt de en ep ng Ind Livi

An Array of Offerings

129 170 2014 Successful Aging Resource Guide ||

17

The Social Security Question:

Should I Wait or Should I Go?

S

By Jason Veinot

ince its inception in 1935, Social Security has undergone more changes, challenges and conversations than one can count.

As I have worked with retirees over the past 15 years and learned about maximizing Social Security benefits, I’ve discovered that married couples have more options than they realized – options that can mean the difference of tens of thousands of dollars over time.

So let’s look at two common scenarios for couples to get a better idea of what they should consider. The key ages for many Baby Boomers are 62, 66 and 70 with benefits increasing the longer one waits. At 66 and 70, one can claim a full benefit and continue working without penalty.

Strategy 1 – Claim Now, Claim More Later Both David, 66, and his wife Donna, 62, are working and eligible to take Social Security.

Donna plans to retire and take her benefit of $1,500 a month, which is less than her full benefit of $2,000 a month had she waited until age 66.

David will continue to work and has three options – delay taking his full benefits till age 70, take his full benefit at 66 ($2,000), or he can apply as Donna’s spouse and receive 50% of her full benefit based on his eligibility age of 66, which would allow his individual benefit to continue to grow until age 70.

Donna would receive $1,500 for the rest of her life, and David would receive

$1,000 until he turns 70. Because his benefits continued to grow, at age 70, he would switch to his own higher benefit of $2,640 a month.

This option would give David and Donna an extra $12,000 a year for four years and also provide a higher spousal benefit for Donna should David die before her.

Strategy 2 – File and Suspend / Claim Now, Claim More Later John and Jane are both 66 and employed. While John would like to continue working, Jane wants to retire.

Because they are both at the “Full Retirement Age” of 66 they can start taking benefits without a reduction even if they continue working.

John would receive $2,000 a month while Jane would receive $2,200 a month.

But the strategy that best suits them is for John to file for his benefits and then immediately suspend, so that Jane can claim spousal benefits while both of their individual benefits continue to grow.

Jane would receive 50% spousal Jason Veinot is an author, radio show host, and owner of Enhanced Capital, a consulting firm specializing in Social Security maximization, lifetime income planning, and low-risk, high-yield growth plans. For a free Social Security report or review of your situation, contact Jason directly at 231.6622 or info@enhancewealth.com.

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Social Security Things to Consider When Deciding Your Benefits Options: 1) Do you need the money now?

2) Does old age run in your family? If so, it may be better to delay.

3) Could taking benefits early prevent you from preserving funds in your retirement accounts? If so, it may be a good idea to consider this option.

4) Do you need a higher survivor benefit to make up for lost pension or income? If so, it may be a good idea to wait to increase survivor benefits.

Common Unknown Facts About Social Security: 1) A divorced person may claim benefits against a former spouse if the couple was married for at least 10 years (this option stops if you get remarried) 2) If both spouses receive benefits and one dies, the smaller of the two benefits goes away and the higher one remains. income of John’s benefit for a payment of $1,000 a month.

Because John is still working, the couple can afford to live on Jane’s reduced benefit for the next four years.

At age 70, because they both waited, John’s benefit would be $2,640 per month and Jane would switch from her $1,000 a month spousal benefit to her higher individual benefit that has grown to $2,904 a month.

The proper options and solutions to consider when taking your Social Security benefits vary based on your specific situation.

To understand which strategies work best for you, consider meeting with a Social Security planning specialist. Y

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2014 Successful Aging Resource Guide ||

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Monkeyjoeslex

Resource List 2014

General Information AARP Kentucky www.aarp.org/states/ky Bluegrass Area Agency on Aging & Independent Living 699 Perimeter Drive (866) 665-7921 / www.bgaaail.org Information about aging service programs throughout the Bluegrass, including senior citizens centers, in-home care programs, adult day care programs, and the Family Caregiver Support Program.

Cabinet for Health and Family Services 275 East Main St, 6w-B Frankfort / (502) 564-5560 www.chfs.ky.gov/dms/mws.htm Consists of various waiver and state programs that cover services for older individuals with developmental disabilities.

Central Kentucky Radio Eye 1733 Russell Cave Rd. / 422-6390 www.radioeye.org Radio Eye provides free reading services and programming through SCA radio, cable TV, and Internet broadcasts.

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Elder Care Locator 800-677-1116 / www.eldercare.gov Federally funded support services locator.

Dial this number for the names and phone numbers for services anywhere in the U.S.

www.mc.uky.edu/coa Provides research, education and service programs in aging with a strong focus on Alzheimer’s Disease research. Educational programs offered to professionals, students, older adults and their caregivers.

Bluegrass ElderLaw 120 N. Mill St., Ste 300 281-0048 / www.bgelderlaw.com Providing personal legal advice for power of attorney, trusts, wills, estate settlement and pension planning.

LFUCG Office of Aging Services 200 East Main St., Room 328 258-3806 / kstambau@lexingtonky.gov www.lexingtonky.gov/index. aspx?page=315 Information about existing programs and services for seniors in Fayette County.

United Way’s 211 233-4460 / www.uwbg.org General information about services in the area, including up-to-date listings of disease-related support groups.

Kentucky Assisted Living Facilities Assn.

133 Evergreen Road, Suite 212, Louisville (502) 225-5201 / (877) 905-2001 www.kentuckyassistedliving.org Information and listings of certified assisted living facilities throughout Kentucky.

Robert’s Health Foods 1020 Industry Rd. Suite 10 / 253-0012 www.robertshealthfoods.com Supplies a full line of vitamins, minerals, herbs, homeopathic remedies, proteins, books, cosmetics as well as a variety of foods for healthy living.

Social Security Administration 2260 Executive Dr. / (866)-530-7754 www.socialsecurity.gov UK Sanders-Brown Center on Aging 800 S. Limestone, 101 Sanders-Brown Bldg. / 323-6040

Advocacy/Legal Access to Justice/Legal Helpline for Older Kentuckians 255-9913 / www.ajfky.org/lhok.php Free legal information and referral service for older Kentuckians and their caregivers.

Attorney Karen L. Perch 2333 Alexandria Drive / 224-0513 www.perchlaw.com Aid clients with their legal matters regarding wills, living wills, powers of attorney, trusts, including special needs trusts, qualifying Income trusts (Miller Trusts), and Family Trusts and Estate Administration.

McClelland & Associates, PLLC 1795 Alysheba Way, Suite 2102 543-0061 www.elderlawanswers.com The firm provides Elder Care Planning, Medicaid Planning, Guardianship services, Special Needs Planning and Trustee Services.

Nursing Home Ombudsman Agency of the Bluegrass, Inc. 1530 Nicholasville Rd. 277-9215 / 278-6072 (877) 787-0077 / www.ombuddy.org Nonprofit advocacy group for residents

Resource List 2014 in long-term care facilities. Provides free information about all levels of long-term care.

UK College of Law Legal Clinic 630 Maxwelton Court / 257-4692 www.law.uky.edu/legalclinic/ Free legal services include estate planning, guardianship, domestic abuse and financial exploitation.

Alzheimer’s Disease Alzheimer’s Association Greater Ky. & So. Indiana Chapter Lexington Regional Office 465 E. High St. #100 266-5283 or Helpline (800) 272-3900 www.alz.org/kyin/ Education, support groups, Safe Return program, respite and other services for individuals and their caregivers across greater Kentucky and southern Indiana.

Alzheimer’s Disease Research Center 323-6040 / www.mc.uky.edu/coa/ Research opportunities, memory disorders clinic and education available to families, health-care providers and the community about Alzheimer’s disease.

Financial Assistance Fayette County PVA 101 East Vine Street, Suite 600 246-2722 / www.FayettePVA.com Information about the homestead exemption for seniors.

Jason Veinot’s Enhanced Capital info@enhancewealth.com / 231-6622 www.jasonanswers.com/ Provides financial and retirement planning, long-term care insurance and other services.

MacIntosh-Ditto Wealth Advisory Group/Hilliard Lyons 325 West Main St., Suite 200 514-6441 / (800) 944-2663 www.hilliardfc.com/mcintosh-ditto McClelland & Associates, PLLC 1795 Alysheba Way, Suite 2102 543-0061 www.elderlawanswers.com The firm provides Elder Care Planning, Medicaid Planning, Guardianship services, Special Needs Planning and Trustee Services.

Republic Bank 2401 Harrodsburg Rd. / 224-1183 www.republicbank.com Offers a Premier 50 Account that includes free checking, checks, debit cards and other services.

American Founders Bank 318 East Main St. / 875-4500 www.myafbmortgage.com Provides reverse mortgages for seniors to generate funds without having to give up their home.

Livesay Group 185 Pasadena Drive, Suite 255 296-1913 / www.livesaygroup.com Financial services include payment of monthly expenses, review of medical bills and oversight of investments.

Social Security Administration 2241 Buena Vista Rd., Suite 110 (866) 530-7754 www.ssa.gov Information about retirement benefits and Supplemental Security Income (S.S.I.)

Medical Bluegrass Audiology and Hearing Aids 100 John Sutherland Drive, Nicholasville 885-0150 www.bluegrassaudiology.com Provides comprehensive hearing care and amplification services to the Nicholasville, Central Kentucky area.

Bluegrass.org 1351 Newtown Pike, Bldg. 1 253-1686 / www.bluegrass.org Bluegrass.org has served the seventeen county Bluegrass Area for over 45 years, assisting individuals and families in the enhancement of their emotional, mental and physical well-being by providing behavioral health, intellectual/developmental disabilities and substance abuse services.

Bluegrass Technology Center 409 Southland Dr. 294-4343 / (800) 209-7767 www.bluegrass-tech.org Non-profit, grass-roots organization that helps connect people with disabilities with technologies and services.

Cardinal Hill Rehabilitation Hospital 2050 Versailles Road / 246-8801 www.cardinalhill.org/chrh

Providing physical rehabilitation services to people of all ages. Cardinal Hill offers inpatient, outpatient and home care services.

Central Baptist Health 1760 Nicholasville Road, #C401 260-6348 / www.centralbap.com Corner Pharmacy 1701 Alexandria Drive / 309-1230 Family Eyecare Associates Dr. Rick Grabe 105 Crossfield Dr., Versailles (859) 879-3665 www.myfamilyvision.com Hospice of the Bluegrass 2312 Alexandria Drive 276-5344 / (800) 876-6005 www.hospicebg.org Provides quality end-of-life care and support for terminally ill adults and children at home, in nursing facilities and at the Hospice Care Centers in Lexington.

Drs. Ditto and Musik Eye Care Center 104 Fairfiled Dr. US 27 Bypass & Hwy 169 / Nicholasville / (859) 887-2441 www.dittoandmusick.com Kentucky Audiology & Tinnitus Services 1517 Nicholasville Road, #202 554-5384 www.kytinnitustreatment.com/index.html Provides a full range of services to meet the needs of people who experience hearing loss, tinnitus or hyperacusis.

Lexington Clinic 1221 South Broadway / 258-4000 www.LexingtonClinic.com Medtronic (800) 633-8766 / www.medtronic.com By working closely with physicians around the world, Medtronic creates therapies to help patients do things they never thought possible.

Saint Joseph Hospital Kentucky One Health 1 Saint Joseph Drive / (859) 313-1000 www.sjhlex.org The Ridge 3050 Rio Dosa Dr. 269-2325 or (800) 753-4673 www.ridgebhs.com

Offers in-patient and out-patient services to assist the older adult in times of psychiatric distress.

UK HealthCare 257-1000 / www.ukhealthcare.uky.edu Offes a vast range of health-care services at UK Hospital, the Markey Cancer Center, Gill Heart Institute, Kentucky Neuroscience & Orthopaedics Institute and three Kentucky Clinic locations.

Geriatricians James R. McCormick Jr., MD UK Clinic / 740 South Limestone / 323-9555 Critical Care Medicine, Geriatric Medicine, Pulmonology Archana Mahesh Kudrimoti, MD UK Clinic / 740 South Limestone / 323-6371 Geriatric Medicine, Family Practice Vinay Maudar, MD 1221 South Broadway / 258-4401 Metabolism & Endocrinology, Diabetes, Geriatric Medicine Reem Kasim Falluji, MD 1101 Veterans Drive / 233-4511 Geriatric Medicine A Patrick Schneider II, MD 1401 Harrodsburg Rd. # B375 278-2081 Geriatric Medicine Nancy Stiles, MD Cardinal Hill Outpatient Clinic 2050 Versailles Road / 254-5701 Geriatric Medicine

Medicaid/Medicare State Health Insurance Assistance Program (877) 293-7447 Assistance with questions regarding Medicaid and Medicare benefits, including Medicare Prescription Drug Program Part D.

In-Home Services Accessible Home Health Care of the Bluegrass 313-5167 / www.accessiblebluegrass.com Providing home health aides for personal

}}} 2014 Successful Aging Resource Guide ||

21

Resource List 2014

care, meal preparation, light housekeeping, companionship, medication reminders, and Alzheimer’s and Dementia Care and more.

Alliance Medical & Home Care 3716 Willow Ridge Rd. / 296-9525 http://alliancelexington.com/ Provides non-medical in-home care for seniors and Alzheimer’s patients.

Always Best Care 2333 Alexandria Dr. / 272-2000 www.alwaysbestcare.com Provides non-medical in-home care for seniors and assisted living services.

Amedisys Home Health 2480 Fortune Dr., #120 / 271-0611 www.amedisys.com Beverly’s Angels 201 West 8th St. #206 Paris / (859) 987-0077 www.beverlysangels.com Family owned and operated business that provides in-home personal care services.

Bluegrass Medical Staffing 80 Codell Dr., #120 / 245-0701 www.bluegrassmedicalstaffing.com Provides home-care services, including personal care, homemaking, meal preparation and medication reminders.

Cardinal Hill Home Care Services 2050 Versailles Road / (800) 233-326 www.cardinalhill.org/services/chhc Comfort Keepers 2350 Regency Rd, Suite A

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Lexington / 224-1124 649 Charity Court, Frankfort (502) 352-2811 www.comfortkeepers.com Provides non-medical in-home care for seniors, new moms, plus emergency monitoring systems.

Family Choice Home Care 1890 Star Shoot Pkwy Ste. 170, Lex. 2150 Lexington Rd. Ste. G, Richmond (859) 333-8147 www.familychoicecare.com Family Home Health Care 425 Lewis Hargett Circle / 219-3939 www.familyhhc.com Offers home health services including registered nurses, social workers, and physical, occupational and speech therapists.

Gentiva 2020 Liberty Rd. / 252-4206 www.gentiva.com Home Instead Senior Care 207 E. Reynolds Rd. # 150 273-0085 / www.homeinstead.com Provides affordable non-medical companions and home care.

Infusion Partners 2025 Regency Rd. 277-2013 / (800) 356-9259 www.infusionpartners.com Provides home infusion pharmacy services.

Nurses Registry 1420 North Broadway (800) 444-3599 / 259-9687 www.nursesregistry.com

Offers skilled care services, including nursing, occupational, physical and speech therapy, medication management, patient education and more.

OptiMedSenior Care Medication Management & Services 1096 Duval St. #140 271-8677 / (800) 255-4553 www.nvo.com/pcsworld Provides one-on-one pharmacist counseling to improve medication and quality of life outcomes for seniors.

ResCare Homecare 383 E. Main St. / 543-2273 www.rescarehomecare.com In-home, nonmedical care.

ParentCare 337 E. High St. / 252-0817 Esther Hurlburt, RN www.parentcareky.com Provides consultation and referrals on all issues of aging.

Senior Helpers 3070 Harrodsburg Rd. Suite #240 296-2525 / www.seniorhelpers.com Provides clients with everything from companionship to bathing to Alzheimer’s and dementia care.

Support Services Caring Transitions 829 Glen Abbey Circle, / 543-9848 caringtransitions.net Specializing in senior moving, downsizing and estate sales.

Extreme Mobility, Inc. 2551 Regency Road #105 277-0105 www.extrememobilityinc.com Healthy Aging Solutions 6020 Damar Court / 321-1283 www.healthyagingcare.com Nancy Derderian, MSN, RN Provides consultation and referrals on all issues of aging.

Kentucky Home Health Assn.

154 Patchen Dr., Suite 90 268-2574 / www.khha.org Information about home care programs throughout the state.

Meals on Wheels 1530 Nicholasville Rd. / 276-5391 www.mowaa.org Home-delivered hot noon meal plus breakfast and supper snack provided MondayFriday. Cost is based on a sliding scale.

New Moon Medical 1210 West Lexington Ave. Winchester / (888) 737-1880 www.newmoonmed.com

Superior Van and Mobility 1180 East New Circle Road (888) 742-8267 www.superiorvan.com Offering sales, service and rental of lowered floor vans, wheelchair lifts, scooter lifts, vehicle modification and more.

Transition Mobility & Elevator 721 National Ave. / 299-0068 www.transitionsmobility.com Providing lifts, home elevators, tub cutouts, door openers and more to improve mobility for clients in their own home.

Older Adult Housing Ashland Terrace 475 S. Ashland Ave. / 266-2581 www.ashlandterrace.org Bluegrass Care and Rehab 3576 Pimlico Pkwy. / 272-0608 www.bluegrasscareandrehab.com The Breckinridge (Alzheimer’s Residence) (Opening in 2014) 2109 Cornerstone Drive / 543-0824 www.thebreckinridge.com Bridgepointe at Ashgrove Woods 5220 Grey Oak Ln., Nicholasville 885-3000 www.bridgepointeassistedcare.com Cambridge Place 2020 Cambridge Dr. / 252-6747 www.cambridgepl.com Cedar Ridge Health Campus 1217 US Hwy 62E, Cynthiana 234-2702 / www.triloghys.com

Christian Towers 1511 Versailles Road / 253-3625

Resource List 2014 Council Oaks 111 Coconut Grove Dr., Nicholasville (859) 887-9382 www.council-oaks.com Daisy Hill Senior Living Community 1001 Crossfield Dr., Versailles 753-2000 goodworksunlimited.com/facility-daisy-hill.php Fountain Circle Health & Rehabilitation 200 Glenway Rd., Winchester 744-1800 / http://ltcrevolution.com Hamburg Senior Residence 1601 Villa Medici Pass / 368-7640

721-0350 1400 Gibson Bay Drive, Richmond (859) 626-5000 851 Cardwell Lane, Frankfort (502) 226-5888 66 C. Michael Davenport Boulevard Frankfort / (502) 226-7118 www.morningpointe.com Northpoint Lexington Healthcare Center 1500 Trent Blvd. / 272-2273 www.northpointlexington.com Richmond Place 3051 Rio Dosa Dr. / 269-6308 www.brookdaleliving.com

Rose Manor Nursing Home 3057 North Cleveland Rd. / 299-4117

Homestead Nursing Center 1608 Versailles Rd. / 252-0871

Rose Mary C. Brooks Place 200 Rosemary Dr., Winchester 745-4904 / www.brooksplace.org

Hometown Manor 523 E. Washington St., Georgetown (502) 570-9700 www.hometownmanor.com The Lafayette 690 Mason Headley Rd. / 278-9080 www.lafayettelexington.com The Legacy Home 938 Delaware Ave. / 252-0817 www.legacyhomeministry.org Lexington Country Place 700 Mason Headley Rd. / 259-3486 www.lexingtoncountryplace.com

Morning Pointe 233 Ruccio Way 554-0060 150 Shoreside Dr.

Advisory services offered through Enhance Wealth, a member of Advisory Services Network, LLC, 1040 Crown Pointe Parkway, Suite 840, Atlanta, GA 30338. 770-352-0449. Insurance products and services offered through Enhanced Capital, LLC. Advisory Services Network, LLC and Enhanced Capital, LLC are not affiliated.

To Learn More and Hear Past Shows Visit: www.JASONANSWERS.com

Sayre Christian Village 580 Greenfield Dr. / 271-9001 www.sayrechristianvillage.org Signature Healthcare of Georgetown 102 Pocahontas Trail / (502) 863-3696 www.shcofgeorgetown.com St. Andrews Place 300 Stocker Dr., Richmond (859) 625-1400 www.standrewsplace.org

Liberty Ridge 701 Liberty Ridge Lane / 543-9449 www.libertyridge.com

Mayfair Manor 3300 Tates Creek Rd. / 266-2126 mayfairmanorcares.com

Every Sunday 12:00 pm

Richmond Place Rehabilitation 2770 Palumbo Dr. / 263-2410 www.brookdaleliving.com

Hartland Hills 1005 Tanbark Rd. / 273-1212 www.holidaytouch.com

Mayfair Village Retirement Center 3310 Tates Creek Rd. / 266-2129 www.mayfairseniors.com

GET INFORMED!

}}}

Council Oaks Assisted Living Home

“We’re better than home”

887-9382 111 Coconut Grove Nicholasville

counciloaksassistedliving@ windstream.net

(859) 296-2525 (502) 226-3393

2014 Successful Aging Resource Guide ||

23

Resource List 2014 545 Sayre Ave. / 233-0986 Bluegrass Community Action 111 Professional Court, Frankfort (800) 456-6571 or (502) 695-4290 Christian Care Community’s Best Friends Day Center (Moving to Bridgepointe at Ashgrove Woods in 2014) 5220 Grey Oak Ln., Nicholasville 885-3000 www.bridgepointeassistedcare.com Provides people with memory loss with a safe, creative environment, rich with therapeutic activities.

Tanbark Health Care 1121 Tanbark Rd. / 273-7377 www.tanbarkhealthcare.com The Villa at Chevy Chase 319 Duke Road / 266-0043 www.thevillaatchevychase.com Wesley Village 1125 Lexington Rd., Wilmore (859) 858-3865 / www.wvillage.org

Windsor Gardens 100 Windsor Path, Georgetown (502) 570-0540

• The King’s Daughters Apartments 220 Hanna Place, Frankfort (502) 223-2141 Ballard Griffith Towers 650 Tower Plaza 281-5081 / 281-5054 www.lexha.org/public-housing/team-ii Briarwood Apartments 1349 Center Parkway / 272-3421 www.briarwoodlexington.com Christian Tower Apartments 1511 Versailles Road / 253-3625

The Willows at Citation (Opening in 2014) 1376 Silver Springs Dr. / 277-0320 www.trilogyhs.com

Elm Tree Lane Apartments 214 Elm Tree Lane 243-0648 / 253-3856

The Willows at Hamburg 2531 Old Rosebud Rd. www.trilogyhs.com / 543-0337

First African Kanisa Apartments 471 Price Road / 389-9784

AFFORDABLE APARTMENT LIVING

Southeastern Management Centers, Inc. Offers elderly affordable housing at the following properties www.southeasternmgt.com

• Central Christian Church Apartments 205 E. Short St. / 252-3671 http://centralchurchapartments.com • Christ Church Apartments 137 Rose St. / 254-3761 • Emerson Center 2050 Garden Springs Dr. / 278-0526 • Main Street Baptist Church Manor 428 Darby Creek Rd. / 263-5153

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Liberty Commons 2101 Cornerstone Drive / 264-8055 Malabu Manor Apartments 145 Malabu Drive / 278-5111 Russell Community Center Low-income housing apartments 520 Toner St. / 554-4350

Respite Care Active Day Adult Day Care 2432 Regency Rd. / 278-2053 Active Day serves individuals 18 years or older with physical and/or cognitive impairments.

Bell House Senior Citizens Center

Christian Care Community Medical Model Adult Day Center 516 Maryland Ave. / 254-5300 www.christiancarecommunities.org Kentucky’s largest faith inspired, nonprofit provider of senior living communities and long-term care.

National Family Caregiver Program Bluegrass Area Agency on Aging & Independent Living 699 Perimeter Dr. / (866) 229-0018

Keeping Active Central Baptist HealthwoRx 161 Lexington Green Circle, Suite B2 260-4354 http://centralbap.com/Left+Navigation/ HealthwoRx Group fitness and SilverSneakers classes, plus personal training and massage therapy Retired and Senior Volunteer Program http://commaction.org 800) 244-2275 Volunteer clearinghouse for persons 55 and older who wish to offer their time to others.

Bluegrass Help at Home Registry 200 E. Main St. / 258-3806 www.bluegrasshelpathome.org List of potential workers to help others in their homes with a variety of tasks.

Senior Community Service Employment Program (502) 584-0309 Employment training and placement for persons 55 and older who qualify.

Service Core of Retired Executives 389 Waller Ave., #130 / 231-9902 www.score-kentucky.org/lexington.html Volunteer business executives and professionals provide entrepreneurs and small business owners with free counsel, advice and education.

UK Donovan Scholars Program Ligon House, 658 S. Limestone St. 257-2657 / www.mc.uky.edu/aging/ donovan_fellowship_for_academic_ scholars.html Donovan Fellowship for Academic Scholars Tuition Waiver: Tuition waiver for academic courses at the University of Kentucky for persons age 65+. Donovan Fellows may take individual courses for credit, work toward an undergraduate or graduate degree or audit classes for the joy of learning, UK Osher Lifelong Learning Institute Ligon House, 658 S. Limestone St. 257-2656 / www.mc.uky.edu/aging/ Programs in Lexington, Morehead and Somerset OLLI at UK offers courses, events, shared interest groups, workshops and day trips for adults 50+. The Donovan Forum Lecture and Entertainment Series held Thursdays at 3 p.m. at the Lexington Senior Center during the fall and spring semesters and are free and open to the public.

YMCA Silver Sneakers Program High Street, Beaumont and North YMCA locations 254-YMCA (9622), 219-YMCA, 258YMCA www.ymcaofcentralky.org/programs/ activeolder/ Swimming, yoga and exercise classes offered five days a week.

Senior Centers The following centers offer a wide range of services and activities for persons 60 and older, including informational and referral, health, recreational and social services programs. Many programs are free.

Lexington Senior Center 1530 Nicholasville Rd. / 278-6072 Anderson Co. Sr. Center 160 Township Sq., Lawrenceburg (502) 839-7520 Bourbon Co. Sr. Center Main & Bank Row, Paris

Resource List 2014 (859) 987-7453 Boyle Co. Sr. Center 569 Jean Dr., Danville (859) 236-2070 Clark Co. Sr. Center 32 Meadow St., Winchester (859) 744-3235 Estill Co. Sr. Center 100 Golden Court, Irvine (606) 723-4787 Franklin Co. Sr. Center 202 Medical Heights Dr., Frankfort (502) 223-5794 Garrard Co. Sr. Center 153 Farra Dr., Lancaster (859) 792-3147 Harrison Co. Sr. Center 216 Old Lair Rd., Cynthiana (859) 234-5801 Jessamine Co. Sr. Center 111 Hoover Dr., Nicholasville (859) 885-9102 Lincoln Co. Sr. Center 100 Senior Way, Stanford (606) 365-9016 Madison/Berea Sr. Center 214 W. Jefferson St, Berea (859) 986-8350 Madison/Richmond Sr. Center 1215 W. Main St., Richmond (859) 623-0474

Mercer Co. Sr. Center 1475 Louisville Rd., Harrodsburg (859) 734-5185 Nicholas Co. Sr. Center 147 Scrubgrass Rd., Carlisle (859) 289-3729 Powell Co. Sr. Center 127 Pirate Drive, Stanton (606) 663-5981 Scott Co. Sr. Center 800 Cincinnati Pike, Ste.10 Georgetown / (502) 863-4041 Woodford Co. Sr. Center 186 Beasley Road, Versailles (859) 873-7290

Cabinet for Family and Health Services, Office of Aging Services, CHR Building 5W, Frankfort (502) 564-6930 http://chfs.ky.gov/dail/kincare.htm Statewide assistance to grandparents raising grandchildren. Call for listing of organized grandparent support groups in the state.

Transportation

Grandparents Bluegrass Area Agency on Aging & Independent Living 699 Perimeter Drive (866) 665-7921 / www.bgaaail.org Information about financial assistance for grandparents assuming primary care of young children, including information about annual conferences and free Grandparent and Relative Resource Guide.

The Kentucky KinCare Project

Wheels: Bluegrass Chapter American Red Cross 233-3340 Wheelchair-lift equipped mini-buses for those with disabilities. Door-to-door service. Fare: $1.60 one-way. Hours of service: 5:30 a.m. to midnight Monday through Friday. Must be registered with office to ride.

LexConnects www.lextran.com / 225-2669 Customized transportation for any social, non-medical group activity such as shopping, lunch and special events. Cost: 50 cents each way for riders 62 and older. Minimum of 10 riders. Reservations required.

Independent Transportation Network of the Bluegrass 1206 N. Limestone St. / 252-8665 www.itnbluegrass.org ITN offers door-to-door transportation service 24/7 for individuals 60 years.

Superior Van & Mobility 1180 E New Circle Road / 253-1832 www.superiorvan.com

Funeral Services The Lexington Cemetery 833 West Main St. / 255-5522 www.lexcem.org Offering burial, mausoleum, cremation and memorialization options in a historic community.

Milward Funeral Directors 159 N. Broadway / 252-3411 391 Southland Dr. / 276-1415 Celebration Center: 1509 Trent Boulevard 272-3414 / www.milwardfuneral. com Kerr Brothers Funeral Home 3421 Harrodsburg Rd. / 223-3140 463 E. Main St. / 252-6767 www.kerrbrothersfuneralhome.com Y

Cardinal Hill Skilled Rehab Program

More people choose Cardinal Hill for their therapy services because of our: • Staff expertise and a strong therapy focus • Innovative technology • Patients see better results than other skilled

rehab programs Cardinal Hill Skilled Rehab Program specializes in treating: • Knee Replacements • Hip Replacements • Mild Strokes • Mild Neurological Conditions 2050 Versailles Rd. Lexington, KY 40504

(859) 254-5701 www.cardinalhill.org

2014 Successful Aging Resource Guide ||

25

2014 Calendar of Major Events January

Alzheimer’s Assn.: The Basics: Memory Loss, Dementia and Alzheimer’s Disease. Location in Lexington and time TBA. Info: (800) 272-3900.

Jan. 14 - Osher Lifelong Learning Institute at UK: Open House. Learn about the variety of classes, events, shared interest groups, forums, seminars and more for adults 50+. Registration will be open, payment accepted by check only. 1-3:30 p.m. Tates Creek Christian Church. Info: 257-2656.

Jan. 14 - Alzheimer’s Assn: The Basics: Memory Loss, Dementia and Alzheimer’s Disease. Location in Winchester and time TBA. Info: (800) 272-3900.

Jan. 15 - Alzheimer’s Assn.: Living with Alzheimer’s Series: Early Stage. Location in Lexington and time TBA. Info: (800) 272-3900.

Jan. 22 - Alzheimer’s Assn.: Know the 10 Signs: Early Detection Matters. Location in Nicholasville and time TBA. Info: (800) 272-3900.

Jan. 27 - LFUCG Senior Travel: Tropical Wonders of Costa Rica! Jan. 27- Feb. 4. $2,500. Double/ triple occupancy and itineraries available upon request. Lexington Senior Center, 1530 Nicholasville Rd. Info: 278-6072.

Jan. 29 - Alzheimer’s Assn.: Living with Alzheimer’s Series: Middle Stage. Location in Lexington and time TBA. Info: (800) 272-3900.

February

Osher Lifelong Learning Institue at UK: Open Houses and Registration in Morehead and Somerset. Info: (866) 602-5862 or (859) 257-2656.

Feb. 6 - Alzheimer’s Assn.: Legal and Financial Planning. Location and time TBA. Info: (800) 2723900.

Feb. 19 - Alzheimer’s Assn.: Living with Alzheimer’s Series: For the Person with Dementia – Part I. Location and time TBA. Info: (800) 272-3900.

Feb. 26 - Alzheimer’s Assn.: Living with Alzheimer’s Series: For the Person with Dementia – Part II. Location and time TBA. Info: (800) 2723900.

March

March 7 - Alzheimer’s Assn.: Family Caregiver Workshop. Location and time TBA. Info: (800) 272-3900.

March 20 - 12th Annual Bluegrass Region Grandparents Raising Grandchildren (GAP) Conference. Registration required. $5 for grandparents and relatives includes lunch. Open to everyone, including grandparents, caregivers, relatives and professionals. Free one-on-one consults with attorneys. 8 a.m.-3:30 p.m. Clarion Hotel, 1950 Newtown Pike. Info: (859) 257-5582 or www.gapofky.org.

March 24 - Alzheimer’s Assn.: Series: Late Stage.

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|| www.lexingtonfamily.com

R e c u r r i n g e v e n t s

UK Sanders-Brown Center on Aging: Memory Café: An informal setting for caregivers and their loved ones with dementia to socialize and interact with other families and professions while sharing and creating old and new experiences. Educational materials and expertise are offered by staff from the Center on Aging and the Alzheimer’s Disease Center. Meets the second Monday of each month (excluding December and January) from 3-5 p.m. at the Sanders Brown Center on Aging. Free. Info: Catilin McGuire 2578971.

Free Memory Screens: Have your memory tested for free the third Tuesday of each month from 10 a.m.-1 p.m. UK Polk-Dalton Clinic, 217 Elm Tree Lane, UK Campus.

Osher Lifelong Learning Institute at UK: Donovan Forum Lecture and Entertainment Series. Every Thursday, Feb. 6-May 1 & Sept. 4-Dec. 4., 3-4:15 p.m. Lexington Senior Center, 1530 Nicholasville Road. A faculty member from UK will speak the first Thursday of each month. 2:30 p.m.

Light refreshments served. Free and open to the public. Info: 257-2656.

Location and time TBA. Info: (800) 272-3900.

April

Coach Trip. Dates and cost TBA. Lexington Senior Center, 1530 Nicholasville Rd. Info: 278-6072.

April 26 – Osher Lifelong Learning Institute and the Arts. OLLI Artists (painting and photography) will display their work at the UK Chorus and Dulcimer Spring Concerts. Refreshments will be served. 2:305 p.m. Free. Tates Creek Christian Church.

September

April 27 - I KNOW – a Caregivers Conference with speakers and vendors. Lexington Center

LFUCG Senior Travel: Yellowstone & Grand Teton National Parks. Dates and cost TBA. Lexington Senior Center, 1530 Nicholasville Rd. Registration required. Info: 278-6072.

May

Meeting the Challenges and Opportunities of Aging: Brings together seniors in order to provide education and information about issues important to them. From gardening to coping with illness to learning how to rumba, each year has provided great information and great fun. Crestwood Christian Church. Info: 278-6072.

LFUCG Senior Travel: Scenic Alpine Splendors: Austria, Germany & Switzerland. May 15-27. $4,700.

Double/triple occupancy and itineraries available upon request. Lexington Senior Center, 1530 Nicholasville Rd. Info: 278-6072.

Lexington Senior Center: Health Fair. Date and time TBA. 1530 Nicholasville Rd. Info: 278-6072

June

University of Kentucky Summer Series on Aging: This is a four-day annual forum for professionals to share the most current information in geriatrics and gerontology from a multidisciplinary perspective.

Date and location TBA. Info: summerseriesaging@ uky.edu or 257-8301 Senior Intern Program: Learn about all aspects of our local government. LFUCG Office on Aging.

July

LFUCG Senior Travel: Maggie Valley, N.C. Motor

The Next Best Years of Your Life: A one-day conference focusing on maximizing your senior years. Fayette County Extension Office, 1140 Red Mile Place. Date and time TBA. Info: 257-5582.

Osher Lifelong Learning Institute at UK: Open Houses and Registration in Morehead and Somerset. Info: (866) 602-5862 or (859) 2572656.

October

Open Enrollment: Seniors can sign up for Medicare Part D (prescription) plans from midOctober-December.

LFUCG Senior Travel: Monumental Treasures & Fall Foliage Fiesta: Washington D.C. Dates and cost TBA. Lexington Senior Center, 1530 Nicholasville Rd. Info: 278-6072.

November

Nov. 9: Lexington Family Magazine: 14th Annual Elder Care Tour. Area retirement communities host free open houses so older adults, their adult children and other caregivers can educate themselves about housing options in a relaxed, unpressured atmosphere. 1:30-5 p.m. Info: 2231765 or www.lexingtonfamily.com.

December

Osher Lifelong Learning Institute at UK: Lexington Holiday Chorus Concert. Date and Time TBA. Y

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2014 Successful Aging Resource Guide ||

27

The four biggest mistakes elder clients will make are: • Not planning for nursing home expense to preserve resources; • Not having proper documents such as powers of attorney; • Not planning to protect an aging spouse or

dependent child; and • Not

understanding benefits

available to veterans and their surviving dependents.

28

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Let us help you with the following: Special Needs Planning Guardianship Planning Medicaid Planning

Robert L. McClelland is a Member of: Special Needs Alliance Kentucky Guardianship Association Board Member Private Special Needs Trustee Chair, Kentucky Bar Association Elder Law Section

McClelland & Associates, PLLC

1795 Alysheba Way, Suite 2102, Lexington, KY 40509

(859) 543-0061 www.elderlawlexington.com