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Successful Aging Central Kentucky’s

resource guide 2015

Virginia Bell: Alzheimer’s Best Friend / Seniors and Apps / Social Security Tips / Elder Success Story

Serving Central Kentucky Families For 17 Years

www.lexingtonfamily.com

Successful Aging Central Kentucky’s

resource guide 2015

contents

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There’s An App For That Tablets Are Popular and an Ideal Fit For Older Adults

All Hands on Deck Dr. Jicha of Sanders-Brown Says the Fight Against Alzheimer’s Needs Everyone’s Help

Phyllis Hail Career Woman Still Helping Others as a Resident at Liberty Ridge

Ready For An Encore Wesley Village’s Encore Centre Offers Deluxe Apartments in Rural Setting

Being Prepared Attorney Robert McClelland Outlines Value of Powers of Attorney & Living Wills

The New Paradigm New Laws Shift Priorities in Estate Planning

Hidden Dangers to Your Assets Don’t Let Long-Term Care Wipe Out Your Savings

Social Security Choices Know the Differences: From Independent Living to Skilled Care

6 What do Alzheimer’s Patients Need?

A Best Friend. The Revolutionary Approach was Pioneered by Lexington’s Virginia Bell Publisher…………........Dana Tackett Editor…………………John Lynch Advertising……………. Lindsay Emmerich

Gary Mazza

Kari Mullins Marketing & Promotions…Laurie Evans Graphic Design…………Daniel Morgan Administrative Assistant….Carla Hall The 2015 Central Kentucky Successful Aging Resource Guide is published by Lexington Family Magazine, Central Kentucky’s source for parenting and family information.

Living Trusts Why Living Trusts Work for the Middle Class, Not Just the Rich

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

138 E. Reynolds Rd. #201 Lexington, KY 40517 (859) 223-1765 www.lexingtonfamily.com

Successful Aging Resource Guide 2015

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Successful Aging Resource Guide 2015

3

There’s An

APP

For That

Silver Surf (Free): This version of the Safari search engine has bigger buttons and “white on black” graphics, so it’s easier for seniors to see and click on the buttons. A slider button enlarges the text with a single swipe.

W

hen the first tablet computers were introduced, they were intended as a hybrid between a smart phone and a laptop. The small size makes them easy to transport, while the touch screen makes them easy to use.

These two features make tablets must-have technology for a somewhat surprising group of users – older adults.

Many of the features of a tablet seem to be designed specifically for seniors. The touch screens allow users to swipe their fingers rather than typing – a useful feature for those with arthritis.

The small size fits well in smaller homes, especially useful for seniors who have downsized.

“Buttons” on the screen can be customized to be large and easily visible for folks with reduced vision, while also making it simple for seniors with no computer skills to open e-mails and view photos of grandkids.

Companies that create apps have taken notice of the number of seniors now using tablets and have responded with a huge number of products for the over 65 crowd.

Here are some of our favorites:

WebMD (Free): WebMD has a series of apps including WebMD magazine, Pain Coach, Symptom Checker and TheHeart.org.

The Weather Channel (Free): Daily weather forecasts, maps and even severe weather alerts customized for your area.

Motion Doctor ($4.99): Designed by a physical therapist, this app has instructions and video for more than 60 exercises and stretches for various parts of the body.

Big Calculator (Free): This calculator not only has big, easy-to-read buttons but also a virtual “paper tape” down one side of the screen.

Flipboard (Free): This app allows you to customize a virtual “magazine” so that all the social media that you follow is in one place, including Facebook, Twitter, your photos, videos and news feeds.

ID My Pill ($4.99): Identify any prescription pill in seconds just by taking a photo with your phone or tablet.

VizWiz (pay per question): This app allows visually impaired users to take a picture with their phone, ask a question and then receive multiple spoken answers from volunteers.

Magnifying Glass (Free): Turns your iPad into a magnifying glass. Y

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Successful Aging Resource Guide 2015

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Successful Aging Resource Guide 2015

5

What Do Dementia Patients Need?

A Best

Friend

By Laurie Evans

Revolutionary Approach Pioneered by Virginia Bell of Lexington

F

or many people, their 60th birthday is a time to reflect on retirement, grandchildren, travel. For Virginia Bell of Lexington, it was time to go back to school.

Bell, now 92, already had undergraduate degrees in math and chemistry when she earned her master’s degree in the early 1980s in social work at the University of Kentucky. Little did she know that her decision to return to school would impact not only her life but the lives of tens of thousands of people with Alzheimer’s and related dementias.

During a rotation at the newly founded Sanders-Brown Center on Aging at UK, Bell crossed paths with people with Alzheimer’s and other dementias and their caregivers.

The Center had just received a grant from the NIH to study Alzheimer’s Disease.

As part of that grant, the Center formed a support group, and Bell, still a graduate student, supervised the people with dementia while family members and caregivers

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attended support group functions.

“I got to know these people with dementia and we started to have a good time together,” Bell said.

“I realized there are always possibilities to relate to a person with dementia.”

The families involved in the support group asked for respite care to get a break from the demanding task of caring for a loved one with dementia.

Successful Aging Resource Guide 2015

Bell began to research other sites around the country that offered this sort of program for dementia patients and their families and found that in the early 1980s there were only four in the country.

She visited these programs hoping to learn from them. What she learned was what not to do.

“These programs were giving ‘good’ care but it was so boring,” Bell said.

www.lexingtonfamily.com

“I thought surely there had to be something better.”

Bell reasoned that people with Alzheimer’s and other dementias didn’t so much need a supervisor as they needed a “best friend.”

Bell trained volunteers to be these best friends. They learned their friend’s history and personality.

They listened, filled in the blanks when the person groped for memories and asked helpful questions.

They encouraged them, handed out compliments, asked for opinions or advice.

They shared humorous stories, told jokes and laughed. There was plenty of laughter.

“It’s amazing how people with dementia respond to someone who knows their history,” Bell said.

“And it makes the family feel better knowing that their loved one is laughing and is engaged.”

After the success of this approach, Bell partnered with David Troxel, an internationally known expert in Alzheimer’s disease and memory care.

They authored several books for families and professionals, including “The Best Friends Approach to Alzheimer’s Care” (1996) and “A Dignified Life” (2002).

Tonya Cox, Director for Home and Community Based Services with Christian Care Communities in Lexington, works closely with Bell and Troxel and knows first-hand the value of the Best Friends Approach.

“The whole crux of this program is valuing that person and preserving their dignity,” Cox said.

The Best Friends Dementia Bill of Rights Every person diagnosed with Alzheimer’s disease or other dementia deserves: To be informed of one’s diagnosis.

To have appropriate, ongoing medical care.

To be treated as an adult, listened to, and afforded respect for one’s feelings and point of view.

To be with individuals who know one’s life story, including cultural and spiritual traditions.

To experience meaningful engagement throughout the day.

To live in a safe and stimulating environment.

To be outdoors on a regular basis.

To be free from psychotropic medications whenever possible.

To have welcomed physical contact, including hugging, caressing, and handholding.

To be an advocate for oneself and others.

To be part of a local, global, or online community.

To have care partners well trained in dementia care.

Source: The Best Friends™ Dementia Bill of Rights by Virginia Bell and David Troxel. Copyright 2013, Health Professions Press, Inc. is now used by respite care programs, nursing facilities and by families of people with dementia all over the country and the world.

way that brings out the best in each person,” Bell says.

Professionals and family members alike can receive training on how to care for patients and loved ones.

“They aren’t retired. They are recycled into something new,” she said.

Studies show that people with dementia who are cared for with the Best Friends Approach have better outcomes and need admission to care facilities at a later date than those who aren’t.

“This works better than any medication out there,” Bell said.

“That means not treating them like children.”

The Adult Day Program at Bridgepointe, while staffed by professionals, relies heavily on the volunteers who serve as best friends for the dementia patients.

While there is only one official Best Friends Adult Day Center, located at the Bridgepointe at Ashgrove Woods in Brannon Crossing, the approach

“You can run a program like this with all professional staff, but trained volunteers have the time to relate in a special, individual

www.lexingtonfamily.com

Successful Aging Resource Guide 2015

Many of the volunteers are retirees but Bell doesn’t like to use that term.

In fact, there are more than 100 trained volunteers in the Best Friends program in Lexington.

These volunteers become advocates for people with dementia in the community.

Professionals come from all over the country to receive training in the Best Friends Approach with Bell, Cox and Troxel.

Bell, herself, is now “just a volunteer” but that doesn’t mean she has stopped teaching or learning.

What is up next for her? “I’m trying to learn something about String Theory. Y

7

The Fight Against Alzheimer’s

Heed Virginia Bell’s Words:

“I

All Hands on Deck

f there is one thing I’ve learned personally from Virginia Bell over the years, one thing we should all take to heart, is that people suffering from Alzheimer’s disease are not alone. We are all in this fight together.”

So says Dr. Greg Jicha M.D., Ph.D., of the UK Alzheimer’s Disease Center and Sanders-Brown Center on Aging where Bell first got involved with the struggle against AD. Research over the last 30 years into both normal aging and AD has shown that the disease may begin decades before the first symptoms of memory loss even appear.

These findings have yielded insights into how we can battle this disease at every stage.

these plaques “poison” the brain, leading to nerve cell death and tangle formation.

Even newer PET methods can now see these tangles emerge and spread with the disease as it progresses.

The brain eventually begins to shrink and memory loss follows, eventually leading to trouble with daily activities and the picture of what we all recognize as AD in our loved ones and friends struck by this malady.

T

hese discoveries and insights now allow us to see the full spectrum of disease.

If our past experience was seeing only “the tip of the iceberg,” we can now see the whole “iceberg.”

And what it shows us is frightening.

Although only 5 million of the 39 million over the age of 65 in the US suffer from clinical AD, another 7 million may have mild memory loss, and yet another 9 million with normal memory and thinking harbor these tell-tale plaques and tangles (1 out of 3 normal elderly persons).

Taken together, the data shows that AD may actually affect 21 of the 39 million seniors in the US today, a number that is expected to grow exponentially over the next several decades as baby-boomers continue to flood this demographic.

So how does Virginia Bell’s lesson help us make sense of this and move forward towards a cure?

The data shows us that Alzheimer’s disease may actually affect 21 of the 39 million seniors in the US today.

Until recently, new medicines to treat AD were reserved for those with significant memory loss and loss of function in everyday activities.

New understanding in the field – that amyloid plaques may begin to form 10-20 years before the first signs of memory loss – has been spurred by the development of new PET scan techniques that can actually see these plaques in the brain of living persons, a finding that previously required death and autopsy.

Further research has shown that

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Successful Aging Resource Guide 2015

By Sarah Tarrant

“Over the last decade we have tested more than 10 different medicines that looked Sarah Tarrant & Dr. Greg like the answer to Jicha of UK’s SandersBrown Center on Aging AD up to the final stages before FDA approval, yet all these attempts have failed,” Dr. Jicha said.

“These failures have left researchers to wonder, ‘Do the medicines really not work or is it possible that the medicines have been used at the wrong stage of disease?’”

This simple insight has opened the door to a new era in the discovery of medicines to treat and eventually cure the disease.

“Given our understanding of the progression of disease, early plaque formation, followed by later tangle formation, leading to brain dysfunction and eventual destruction, we can begin to pick the right medicine for the right time in the progression of disease,” Dr. Jicha said.

To make this quantum leap in advancing our search for cures for AD, “we need everyone to stand and fight,” Dr. Jicha said.

“Hence the lesson learned from Virginia comes full circle!”

Current research at UK using experimental medicines to treat and hopefully slow or stop AD, is looking www.lexingtonfamily.com

for people who are normal in memory and thinking, but who may be at risk for AD. These participants are being treated with medicines to prevent the buildup of early plaques. Others with early memory problems are being given experimental medicines to prevent brain dysfunction that may lead to tangles.

Yet others with more advanced memory problems or fulminate AD are enrolling in research to try to prevent or stop tangle formation.

Later stage treatments targeting behavioral and psychiatric symptoms are also being explored.

The focus of this comprehensive strategy – to use the right medicine for the right stage of disease – is happening for the first time in history.

Dr. Jicha and his team who work relentlessly to see the day when AD is no more advocate that “Now is the time for us to come together and take up arms against AD,” Dr. Jicha said.

“No one is not needed, and everyone has a role to play!”

Virginia Bell should be proud that her lesson of everyone making a difference is the new mantra in the fight to cure AD.

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Successful Aging Resource Guide 2015

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9

Retirement Community Success Story

P hyllis H ail

Career Woman Still Serves Others At Liberty Ridge Retirement Community

A

s a young woman, barely out of school in the 1950s and miles from her tiny hometown of Ula, Kentucky, Phyllis Hail drove around the small towns and farms of northern Virginia with a stack of Bibles in the trunk of her Chevrolet.

For six years, she and a co-worker led Christian education classes for rural elementary students, the first of many ministries for Phyllis, a woman with an adventurous soul and a servant’s heart.

No wonder the folks at Liberty Ridge retirement community in Lexington, Phyllis’s current home, consider her more like one of their ministers than merely a resident.

“We are blessed by her presence,” said Sarah Marcum, Liberty Ridge’s Life Enrichment Coordinator.

“She’s very outgoing, has a great sense of humor and is always open to other ways of thinking. She pulls out the goodness in everybody.

“She’s one of my best friends.”

Phyllis carries herself at Liberty Ridge like she has her entire career that spanned four decades in the service of the United Methodist Church.

Phyllis comes from a family of 10 children in Ula, outside Somerset.

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(For years, she organized an annual reunion that drew up to 100 people to the family farm.)

With an undergraduate degree from Asbury University and a master’s from a Christian college in Nashville, Phyllis served for 21 years as the influential Director of Leadership Development for the state’s UMC Council.

As an expert team builder, she helped organize the state’s annual conference and promote diversity throughout the church.

“Phyllis worked hard to open doors and to create diversity so that all members of the church were welcome,” said Alan Beuscher, a vice president at Wesley Village retirement community and an official with the UMC. “She was a key person in creating opportunities for women and minorities in the church.

“She would recognize the value in people and then advocate for them.

And she did it without wanting to take credit for it.”

Phyllis happily admits that she is a behind the scenes person, but she hardly went unnoticed.

Successful Aging Resource Guide 2015

Phyllis, 83, resides at Liberty Ridge after forging a long career with the United Methodist Church.

A

fter her job in rural Virginia, she was the director of Christian education for a large church in Springfield, Va., before she moved back to Kentucky in 1972 when her mother passed away. After working for the UMC Council for 21 years, she retired at the age of 62.

She was almost immediately contacted by the First Church of Frankfort and offered “any job you want.”

“I wrote my own job description and picked my own title, Director of Emerging Ministries,” Phyllis said.

“I got to listen to the church’s goals and then created ministries to meet those goals.

“It was one of the best jobs I’ve had.”

After six years, she retired again – only to go right back to work, this time for a megachurch outside

}}} www.lexingtonfamily.com

Nashville.

Her mission was to get lay people more involved in the church, which she facilitated during her year there.

Phyllis didn’t slow down until she suffered a head injury after a fall at home and underwent surgery.

After a rehab stint at Cardinal Hill hospital, she moved to Liberty Ridge, needing a cane to walk and with diminished memory.

“I didn’t even know who Santa Claus was,” she said.

But she mended quickly, disposed of the cane and at 83 is as cognitively strong as ever.

She leads a busy life at Liberty Ridge. She exercises five days a week, feeds the ducks on the grounds every day, tends to her garden of tomatoes and assorted flowers and is a member of the book club.

That’s just at Liberty Ridge. She still drives and visits friends regularly and is a member of a study group that meets at Central Christian

Church and includes pastors, theologians and Virginia Bell, author and founder of the Best Friends Approach for those with Alzheimer’s and dementia.

“It’s a very challenging support group. We read lots of interesting books and discuss the spirituality of aging,” Phyllis said.

In fact, Phyllis is so active and independent that she doesn’t need to live at Liberty Ridge. She stays because she likes it there.

“I could move and get my own apartment, but I feel at home here among caring staff and residents I have grown to love,” she said.

Besides, who knows what new

Phyllis’ symbol is the butterfly, which represents rejuvenation and new life. adventures remain for Phyllis?

After all, her father lived to be 96 and the butterfly is her symbol.

“The butterfly is about rejuvenation and new life,” she said. “I like change and an open door so I can try new things or move in other directions.” Y

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Successful Aging Resource Guide 2015

11

Ready for an Encore

The Encore Centre at Wesley Village, which opens in December 2014, features 28 apartments, including five deluxe garden terraces with panoramic views of the local countryside.

New 3-Story Addition at Wesley Village Features Deluxe Amenities

By John Lynch

R

etired business owner Richard Zeigler rattles off the list of amenities that will accompany his luxury-like lifestyle once he and wife, Diana, move into the Encore Centre at the Wesley Village Senior Living Community in Wilmore. aTop floor, three-bedroom private apartment with wrap-around veranda. Check. aPanoramic views of the local countryside. Check. aFully equipped kitchen & fireplace. Check aFive-star lobby featuring café, movie theater and spa/salon. Check. aHeated salt-water swimming pool. Double Check.

“That will be good for therapy.

Now we won’t have to go to Florida to get that,” he said.

No wonder, Richard and his wife, Diana, are counting down the days to Dec. 1 when they can move into the newest addition to Wesley Village’s 38-acre campus.

Along with five deluxe garden terrace apartments on the top floor, the Encore Centre will include 23 one- and two-bedroom apartments in the three-story addition.

The Centre will connect Wesley Village’s Wilmore Senior Community Center to Hager Manor.

The 28 new apartments join the 77 patio homes at Wesley Village along

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with 40 rooms at Hahn and Hager Manors, plus the 10 residents at the Holloway Cottage, which is a small home for memory care.

The Encore Centre fits in with Wesley Village’s mission to keep residents as independent as possible.

“We want to meet our residents’ needs in whatever setting they’re already in,” said Alan Beuscher, vice President for Community Relations.

“The more we can deliver services to the residents where they are, the better our residents will be served.”

That’s why Wesley Village became the first retirement community in Kentucky to become a Continuing Care Retirement Community where residents can “age in place.”

Wesley Village offers all retirement options from independent living to skilled nursing care.

T

he history of Wesley Village, which opened in 1995, has been one of firsts. Wesley Village was the first in Central Kentucky to offer patio homes and the first to offer health care in residential-style apartments.

In 2005 when Wesley Village opened the Community Center, the project was the first public-private partnership of its kind in the state.

The Encore Centre is another example of Wesley Village’s vision because it is open to independent

Successful Aging Resource Guide 2015

living and those needing assisted living. If after time, a resident requires skilled care, the move to Hahn Manor is a short one.

Why name the new addition the Encore Centre? That’s easy.

“Because our residents have all lived lives worthy of an encore,” said Glenda Creech, President and CEO of Wesley Village. “We want to provide the very best for them.”

At 60 years old, Beuscher can understand why older adults are drawn to the Centre – 11 of the apartments are already reserved.

“This is the way I want to live someday,” Beuscher said.

Encore Centre residents also can use the amenities that come with the Community Center at Wesley Village, including a library, exercise room and a first-class dining room.

Diana Zeigler appreciates the Encore amenities as much as her husband, pointing out that there is room in their apartment for the grandchildren – they have six.

“I like the circular floor plan and the great room is very comfortable,” she said. “And Wesley Village has a secret ingredient, the Christian foundation behind everything.

“The staff and residents are so kind. It feels like family.”

Info: Susan Blankenship at (859) 858-3865 ext. 227 or visit wvillage.org. www.lexingtonfamily.com

The Big Three Make Sure You Have These Documents in Place In Order to Grow Old Gracefully

By Robert L. McClelland

I

f we want to grow old gracefully, there are three documents that we must consider even though few of us want to think about them.

As an elder care attorney, I counsel clients daily about these documents, which can help families avoid crisis situations that we attorneys are called upon to solve.

The three documents are a “Durable Financial Power of Attorney,” a “Durable Health Care Power of Attorney,” and a “Living Will.” Let’s call them the “Big Three.”

Other documents can be vitally important such as a Medicaid Trust, Veteran’s Asset Protection Trust and a Last Will and Testament, which includes a “Spousal Support Trust.”

These are valuable asset protection estate plans for elders that can save the family home or even tens of thousands of dollars in the event of nursing home crisis placement.

But the importance of the Big Three cannot be understated.

Durable Financial Power of Attorney

A Durable document is one that continues to be effective even if the principal (who signed it) becomes incapacitated (legally “disabled”).

An agent under a Power of Attorney can only do what the document says that person can do.

For example, if I become incapacitated, I cannot sign checks to pay my bills or make my house or utility payments. www.lexingtonfamily.com

I cannot sell my house when I move to assisted living or a nursing home.

Frequently, elder care attorneys are called upon by family members (a spouse or children) to do estate planning to get Medicaid benefits for an institutionalized spouse or parent.

By complex steps we can legally access Medicaid for a spouse or parent and save money.

However, if the spouse or child does not have Power of Attorney with the authority to “gift” assets, we are forced into District Court Guardianship just to protect the house or assets.

Another important provision denies the agent the authority to sign a “binding arbitration” agreement, which is found in all nursing home contracts.

when children are caring for parents.

Typically, spouses have authority to make healthcare decisions for each other and to access records, but it’s not the same for children unless they are the “next of kin” and can prove it.

Having authority to access records, discuss treatment options and make healthcare decisions for a parent with dementia is critical.

Living Will

Finally, a Living Will is an “end of life” decision-making document, not the equivalent of a Health Care Power of Attorney.

A Living Will is an opportunity to save your family members the stressful and sometimes painful decision of whether to choose artificial life-prolonging measures or to end such measures.

The most recent Living Wills also provide options for being an “organ donor.”

These are important decisions that should be made by yourself, before your loved ones provide the wrong answer in crisis.

Having these documents in place will give “permission” to your loved ones to take the necessary steps to make life comfortable, safe and affordable should an unexpected health event befall you. Y

Durable Power of Attorney For Health Robert L. McClelland McClelland & Associates, PLLC Care

This document avoids the HIPAA limitations on confidentiality

1795 Alysheba Way, Unit 2102, Lexington 5430061 / www.Lexingtonelderlaw.com Robert McClelland is the original chairman of the Ky. Bar Association’s Elder Law Section. He holds a post-doctoral master’s degree in Elder Law (LLM) and is a member of the National Academy of Elder Law Attorneys.

Successful Aging Resource Guide 2015

13

Estate Planning for New Paradigm New Laws Cause Shift in Priorities

By Carolyn L. Kenton, Amy E. Dougherty & Mary Ellis Patton

A

As you approach the last third of your life, advice from financial advisors, tax consultants, attorneys and the media strikes a more urgent note.

based on age and our industrial society requires a different planning approach and different management documents.

Now the biggest risk for dissipation of family assets is no longer taxes, but rather the cost of long-term nursing care.

Government assistance (Medicaid) to pay for institutional skilled nursing care is generally available for a single individual only after the person has no more than $2,000 in assets and a prepaid burial.

For married people, the asset determination used by Medicaid is more complicated, but often leaves the spouse who does not need skilled nursing care with fewer resources than the family may anticipate.

The Medicaid rules penalize families who gift assets within five years of a person’s need for skilled nursing care, called the “five-year look back.”

Medicaid presumes that such transfers were made in order to become eligible for Medicaid assistance.

Therefore, gifting assets within a family, without understanding the Medicaid rules, is a high risk undertaking.

(The rule to “only gift $14,000 a year” is a gift/inheritance tax rule and is a disqualifying gift under Medicaid if made in the look-back period.)

Once the Medicaid office determines that gifts were made within five years of institutional care, it calculates a penalty period based on the size of the gift and withholds assistance for that period of time.

Where do you turn for help? You have been instructed to “write your will” or “do your estate planning documents” or “use a living trust to avoid probate” but is that really enough?

An attorney who focuses Does your estate planning match her practice in elder law the new paradigm? can assist her clients in Consider: shifting their focus to In the past 20 years, the character address the new estate of wealth accumulation has changed. paradigm.

Retirement asset accounts that Most people need to have robust require beneficiary designations have powers of attorney (POA) that changed savings and distribution provide for legal, financial, health patterns. care, and personal affairs even The rise in the amount of transfers when the principal has become permitted under federal law before incapacitated. taxes are imposed means that few A POA is a document where you as middle-class families will pay this the “principal” authorize a trusted tax.

Most family members in Mary Ellis Patton, left, Amy E. Dougherty, center, Kentucky will pay no transfer and Carolyn L. Kenton are attorneys with Bluegrass (gift, inheritance, or estate) tax.

Elderlaw, PLLC, 120 North Mill Street., Suite 201.

These changes have removed Kenton, a former state representative, established Bluegrass Elderlaw, PLLC in 2011 after 20 years of the biggest bar to lifetime private practice in Lexington focusing on elder issues. gifting.

Dougherty joined the practice after working with A number of elements drive Legal Aid of the Bluegrass where she handled elder the change in focus for today’s law issues and after she spent 20 years with the appropriate estate planning.

Kentucky Public Service Commission. Both Kenton and As the overall population ages, Dougherty are published authors on elder law. fewer of us die from sudden Patton joined the practice in 2014, bringing her causes. experience as a staff attorney at Montgomery County Probate Court in Dayton, Ohio. All of them are members of the Elder Law Section of the Kentucky Bar Association and the National Academy of Elder Now, many individuals die Law Attorneys. after a long-term chronic illness.

Info: 859-281-0048 or www.bgelderlaw.com.

Mental or physical disability

14

Successful Aging Resource Guide 2015

A

www.lexingtonfamily.com

person called the “agent” to act on your behalf.

In the absence of a named person as an agent, often a person will be subjected to the expense and loss of dignity from a guardianship proceeding and court supervision.

The POA document should specify that gifts of any amount may be made to your spouse, children or grandchildren.

This gifting provision will give your family and your attorneys the power to undertake appropriate Medicaid asset preservation planning.

Sometimes, through these provisions, the value of the family home or a portion of other assets may be preserved.

Your power of attorney document should contain a clause to allow for the handling of real estate transfers, management of all property, a disclosure of health related information and a clause providing for the agent to give an accounting of activities to the principal or to someone else of the principal’s choosing.

A clause permitting the agent to be paid for services rendered would place this responsibility on a professional footing.

In addition to the need for a power of attorney, you may need to see an attorney who focuses on elder law to discuss Medicaid rules to preserve assets.

Often, older married clients will be told by the nursing home staff or by others that they must first www.lexingtonfamily.com

spend half of their assets before requesting Medicaid assistance.

This advice is inaccurate and may cause you or your spouse to be unnecessarily impoverished.

Instead, as soon as a person is admitted to any skilled nursing facility, the community spouse (the spouse not admitted to a skilled nursing facility), or an attorney on her behalf, needs to go to the Medicaid office and obtain a “resource assessment,” which is a determination of the “countable resources” of the couple.

This procedure divides the couple’s countable resources between them.

Approximately half will be assigned to the community spouse for her sole use and the remainder deemed part of the “eligibility spenddown.”

All the spend-down portion, however, does not have to be spent on the partner in the nursing facility. It may be spent on approved items for either spouse.

This includes upgrading the residence, pre-paying for funeral services for both spouses, or purchasing a Medicaid compliant annuity to increase the income of the community spouse.

Consider your future and that of your loved ones – undertake the planning that may save family assets and provide for your final expenses now.

Delay learning the new rules governing today’s estate planning at your family’s and estate’s risk. Y

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Successful Aging Resource Guide 2015

15

Bridgepointe

Assisted Senior Care • Memory Care • The Best Friends™ Adult Day Center • Exceptional Care & Vibrant Lifestyle

859-885-3000

5220 Grey Oak Lane, Nicholasville (In Brannon Crossing)

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Cambridge Place At Cambridge Place, our caring and experienced staff offers a warm, familylike environment. We believe that personalized care is the key to success in each life we touch. Rest assured that we incorporate the latest equipment, supples and services available, but it’s the personalized delivery of these services that allows us to stand out.

Housing Options

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Daisy Hill Short Drive. BIG Difference.

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Liberty Ridge Assisted Living Apartments Independent Garden Homes • Memory Care Neighborhood

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Mayfair Village Independent Living • Licensed Personal Care Mayfair Village is a warm & friendly boutique style community, offering superior services & amenities & nestled in the vibrant Lansdowne community.

859-266-2129

3310 Tates Creek Rd. Lexington www.mayfairseniors.com

16

Successful Aging Resource Guide 2015

www.lexingtonfamily.com

Housing Options

Wesley Village Independent Living Patio Homes & Apartments ▪ Personal Care ▪ Memory Care & Nursing Home Care

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859-858-3865

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Alliance Medical & Home Care • Personal Care • Respite Care • Light Housekeeping • Errands/Transportation • Medication Reminders • Meal Preparation • Companionship

Call today for a FREE In-Home Assessment!

Home Health Options

859-296-9525

Cardinal Hill Home Care

Award Winning Home Care Agency

Serving the following counties: Fayette, Jessamine, Woodford, Franklin & Madison

(859) 367-7148

2050 Versailles Road Lexington, Kentucky 40504 www.cardinalhill.org

Senior Helpers Ready to serve your family’s needs with personalized, in-home care and expertly trained, professional caregivers. The first step to quality care is simple.

Call for complimentary in-home care initial consultation

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

seniorhelpers.com

Yellow/ Wildcat Cab Now offering

wheelchair accessible vans

Since 1934 Yellow/Wildcat Cab has been growing with the community As always we are looking forward to serving you

Text GOLEXCAB to 31996 to download our App D.B.A. Yellow Cab Company of Lexington, 799 Enterprise Drive • Lexington, KY 40510 • 859-231-TAXI www.lexingtonfamily.com

Successful Aging Resource Guide 2015

CALL 231-TAXI and ask for a wheelchair van

17

Learn Lingo th e

F

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.

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?

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 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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lexingtonfamily.com 18

Successful Aging Resource Guide 2015

72,000 Monthly Readers All New Website e-newsletter Serving Parents for 17 Years www.lexingtonfamily.com

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 Mayfair Village Retirement Community Morning Pointe (Five Locations) Richmond Place Richmond Place Rehab

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

In Lexington 554-0060

226

269-6308

262

263-2410

120

745-4904

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Sayre Christian Village & Center for Orthopedic Care

580 Greenfield Dr.

The Willows (Two Locations) Wesley Village

www.lexingtonfamily.com

In Hamburg 543-0337 2531 Old Rosebud Rd.

858-3865

1125 Lexington Rd., Wilmore

Successful Aging Resource Guide 2015

ts Pe

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 ar C Sk are lC na rso Pe ted sis g As in Liv nt de en ep ng Ind Livi

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19

Estate Planning

Don’t Let Long-Term Care Destroy Your Assets

J

ohn did everything right. He saved diligently during his working years, budgeted every dollar, paid off debts, sent two kids through college, funded his daughter’s wedding, and still had plenty left over so he and his wife could enjoy their golden years and leave an inheritance for their children.

In their 60s, he and his wife, Diane, had purchased longterm care insurance but after much research that showed that women outlive men, they decided to insure only Diane.

Unfortunately, when John was 76 he developed Alzheimer’s disease.

Within four years, he required home care three days a week.

Two years later, it was no longer safe for him to stay at home.

At 82, he was admitted to a retirement community and lived there until he was 90.

About the same time John moved to a retirement community, Diane suffered a fall at home that curtailed her mobility.

She moved into an assisted living facility but soon learned that the long-term care policy she and John had funded for nearly 20 years covered only nursing home care, not assisted living.

When the dust settled and the bills were totaled, John and Diane’s health care expenses wiped out their remaining retirement funds, CD’s, and cash.

Their estate also incurred $100,000 in unpaid expenses not covered by Medicaid or insurance.

This was when the children learned that Medicaid could even claim their parent’s house if needed to pay the remaining debt.

The above scenario is all too common, considering that the vast majority of a person’s health care

20

costs come in the final years of life.

And health care costs are increasing close to double the average inflation rate.

Currently in Kentucky, the average annual cost for a person residing in an assisted living facility is $39,000 a year, and that increases to $73,000 for nursing home care. (Source:

www.genworth.com).

People currently over the age of 65 have a 70% chance of needing some long-term care services whether it be at home, assisted living or nursing care.

Many will need this care for three years or longer.

This means if you are 59 years old now and need care 20 years from now it could entail expenses from $152,000 up to $431,000 per individual. (Source: LongTermCare. gov) Previously, people looked for the best long term care insurance policy to help protect their assets but those days are numbered.

Many insurance providers no longer offer long-term care

1) Shared Benefit Policies Traditionally, LTC policies cover each spouse individually. With shared LTC policies, each spouse can access a pool of money twice the size of an individual benefit. If Dad needs care, for example, he can access all or part of the combined benefit.

2) Long-Term Care Add-Ons Income annuities, which offer guaranteed payments like a pension, now offer an add-on (or rider) that will double your guaranteed income in the event of a health-care or long-term care need.

3) Life / LTC Insurance Combo “If you don’t use it, you lose it.” That’s the fear of many about LTC insurance.

Now, Life insurance/LTC combo policies allow you to use the life insurance benefit before your death to cover health-care costs, including assisted living, nursing home and major medical expenses such as cancer costs.

If you don’t exhaust the full death benefit amount, the balance goes to your heirs in the form of a life insurance policy.

4) Medicaid Trusts A Medicaid Trust can help ensure that an aging adult receives long-term care without impoverishing the family. This Trust can make sure that your family will never lose your home or assets if you receive Medicaid-funded long-term care.

Elder care attorneys specialize in this service and should be contacted to set up the Trust.

Successful Aging Resource Guide 2015

www.lexingtonfamily.com

protection, and the ones that do have raised costs while cutting benefits.

But there is still much you can do to protect your estate. The best approaches include: (See Box on facing page.)

B

ecause everyone’s situation is different, having a comprehensive roadmap or plan is the best way to protect your lifestyle and ensure financial success.

Team up with an experienced financial

advisor who can guide you through the various aspects of planning. He can combine strategies to increase income, reduce taxes and protect assets from an extended economic decline or escalating health care costs.

Too many estates have been wiped out in the final years by unexpected health care costs even when the family seemed to have done everything right.

Don’t let this happen to you. Y

Jason Veinot is a financial author, former radio show host, and owner of Enhanced Capital, LLC, an insurance firm that helps individuals maximize Social Security benefits and enhance lifetime income. Should you have any questions or desire a review of your situation, please contact Jason directly at 231.6622 or info@enhancewealth.com.

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Successful Aging Resource Guide 2015

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770-352-0449. Insurance products and services offered through Enhanced Capital, LLC. Advisory Services Network, LLC and Enhanced Capital, LLC are not affiliated.

21

Social Security Choices

When to Exercise Your Spousal Benefit Options The following article is provided courtesy of Broadridge Investor Communication Solutions, Inc.

D

eciding when to begin receiving Social Security benefits is a major financial issue for anyone approaching retirement because the age at which you apply for benefits will affect the amount you’ll receive.

If you’re married, this decision can be especially complicated because you and your spouse will need to plan together, taking into account the Social Security benefits you may each be entitled to.

For example, married couples may qualify for retirement benefits based on their own earnings records and/ or for spousal benefits based on their spouse’s earnings record.

A surviving spouse may qualify for widow or widower’s benefits based on what his or her spouse was receiving.

Consider these two scenarios.

1) File and suspend

Generally, a spouse is entitled to receive the higher of her Social Security retirement benefit (a worker’s benefit) or as much as 50% of what her spouse is entitled to receive at full retirement age (a spousal benefit).

But here’s the catch: Under Social Security rules, a spouse who is eligible to file for spousal benefits based on her spouse’s record cannot do so until her spouse begins collecting retirement benefits.

There is an exception – someone who has reached full retirement age but doesn’t want to begin collecting retirement benefits right away may choose to file an application for retirement benefits, then immediately request to have those benefits suspended.

This allows the eligible spouse to file for spousal benefits.

The file-and-suspend strategy is most commonly used when one

22

spousal benefits first, then switch to her higher retirement benefit later.

Once a spouse reaches full retirement age and is eligible for a spousal benefit based on her spouse’s earnings record and a retirement benefit based on her earnings record, she can choose to file a restricted application for spousal benefits, then delay applying for retirement benefits on her earnings record (up until age 70) in order to earn delayed retirement credits.

This may help to maximize survivor’s income as well as retirement income, because the surviving spouse will be eligible for the greater of his benefit or 100% of the spouse’s benefit.

spouse has much lower lifetime earnings, and thus will receive a higher retirement benefit based on her spouse’s earnings.

Using this strategy can potentially boost retirement income in three ways.

A.) The spouse with higher Things to keep in mind earnings who has suspended benefits t Consider both spouses’ ages, can accrue delayed retirement credits estimated benefit entitlements and at a rate of 8% per year (the rate for life expectancies. A Social Security anyone born in 1943 or later) up representative can’t give you advice until age 70, thereby increasing her but can help explain your options. retirement benefit by as much as t The file-and-suspend strategy 32%. may be risky when one spouse is in B.) The spouse with lower earnings poor health or when Social Security can immediately claim a higher income is needed now. (spousal) benefit. t Delaying Social Security income C.) Any survivor’s benefit available may have tax consequences. Consult to the lower-earning spouse also will a tax professional. increase because a surviving spouse t Spousal or survivor’s benefits generally receives a benefit equal are generally reduced by a certain to 100% of the monthly retirement percentage if received before full benefit the other spouse was retirement age. Y receiving (or was entitled to receive) at the time of Dale S. Ditto has over 20 years of experience her death. in estate planning. With his background as an 2) File for attorney, he is now a Senior Vice President of one benefit, McIntosh-Ditto Wealth Advisory Group of Hilliard then the Lyons. Dale is involved with Kingdom Advisors, other Habitat for Humanity and Christian Business Men’s Committee. He has been happily married to his Another wife, Louisa, for 31 years and has raised five sons. strategy is For questions about Social Security withdrawal to have one strategies, call Dale at (859) 514-6415. spouse file for

Successful Aging Resource Guide 2015

www.lexingtonfamily.com

Living Trusts: A Good Option for All

By Attorney Walter C. Cox Jr.

six months and can take two years or longer. That’s a long time for your In Estate Planning there are only loved ones to be entangled in a court three options. process.

Option #1: Do Nothing It’s especially stressful for whomever This means you’ve decided to let the you chose as executor. state dictate to your heirs through the 3.) A will does not plan for statutory will of Kentucky. This option incapacity. If guardianship is will cost the most dollars, take the needed, both you and your family most time and be the most agonizing will experience very costly, time for your heirs. consuming and humiliating court Option #2: Have A Will proceedings.

This option seems benign enough for 4.) A will is a public document. many folks. It’s inexpensive to set up.

People looking for distressed property It names your representative, and it not only search foreclosure files, decides how your estate will be divided bankruptcy files and divorce files, but after probate. These are all positive also probate files. A will makes your things. heirs fair game for unscrupulous However, there are four negatives solicitors. about having only a will.

1.) All wills must go through probate Option #3: Have a Living Trust and probate is costly. I’ve seen fees In my opinion, a Living Trust is the as low as 4%, but I’ve also seen fees as best and most effective Estate Plan. high as 20% or more.

Myths have persisted about Living 2.) Probate can’t settle in less than Trusts. Some believe a trust is for the

very rich only, but they have been recommended for the middle class in almost every major consumer publication.

The benefits include: t It doesn’t take much value to require an estate to go through the agonies of probate. With a trust, probate is avoided t You retain total control for as long as you live and are competent. After that, control moves to whomever you named in your trust as successor trustee. t Your estate is quickly distributed to your heirs according to your wishes. The people you have designated will settle your affairs in the comfort and privacy of their own home. t A Trust has built-in guardianship plan if you become incapacitated either mentally or physically. t A Trust is a private document. A will is a public one. Y

WILL vs.

TRUST Why a Living Trust is the Best Option

Have A Trust (No Probate)

Have A Will (Probate)

A Living Trust is the fail proof way to pass along your estate to your heirs without lawyers, courts or the probate system.

Probate is the system that removes the name of a deceased person from the assets.

• All claims, real or imagined, must be settled to the court’s satisfaction.

• Probate takes time...many months or even years • Probate costs money...4% to 8% of estate value is not uncommon • Probate is public record • A will is of no help if you become

incapacitated

•

•

•

•

•

Please call 859-514-6033 or fill out this form for a FREE consultation in our office:

Name_______________________________ Address_____________________________ City, State, Zip________________________ Phone_____________ County___________ Age___________ Spouse’s Age__________ (aarp) endorses LIVING TRUSTS • (smart money magazine) endorses LIVING TRUST

www.lexingtonfamily.com

Be in total control for as long as you live and are competent Eliminate court interference if you become incapacitated Administer your estate yourself before you die Your children can do final settlement without cost or delay Keep everything private and reduce excess taxes

There is NO CHARGE nor OBLIGATION to see what option is right for YOU! Please fill out form (left) and mail to address below:

The Law Offices of Attorney Walter C. Cox Jr. 2333 Alexandria Dr., Lexington, KY 40504 www.waltercoxlaw.com info@waltercoxlaw.com Atty. Walter C. Cox, Jr.

Successful Aging Resource Guide 2015

Rated AV by Martindale Hubbell for 30 years

23

Resource List 2015 General Information AARP Kentucky www.aarp.org/states/ky Bluegrass Area Agency on Aging & Independent Living 699 Perimeter Drive (859) 266-1116 or (866) 665-7921 www.bgaaail.org Information about aging service programs throughout the Bluegrass, including senior citizens centers, inhome care programs, adult day care programs, and the Family Caregiver Support Program.

Cabinet for Health and Family Services (Medicaid 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

24

www.radioeye.org Radio Eye provides free reading services and programming through SCA radio, cable TV, and Internet broadcasts.

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. 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.

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 SandersBrown Bldg. / 323-6040 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.

United Way’s 211 233-4460 / www.uwbg.org 100 Midland Avenue, Suite 300 General information about services in the area, including up-to-date listings of disease-related support groups.

Advocacy/Legal Access to Justice/Legal

Successful Aging Resource Guide 2015

Helpline for Older Kentuckians 255-9913 / www.ajfky.org/index.php/ legal-helpline-for-older-kentuckians Free legal information and referral service for older Kentuckians and their caregivers.

Attorney Walter C. Cox Jr. 2333 Alexandria Dr. / 514-6033 www.waltercoxlaw.com Practice concentrates on estate planning in Kentucky using revocable living trusts as the foundation and cornerstone of the plan.

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.

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

Resource List 2015 settlement and pension planning.

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.

McClelland & Associates, PLLC 1795 Alysheba Way, Suite 2102 543-0061 www.elderlawlexington.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 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 (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.

www.lexingtonfamily.com

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 Enhance Wealth jason@enhancewealth.com 231-6622 www.enhancewealth.com 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.elderlawlexington.com The firm provides Elder Care Planning, Medicaid Planning, Guardianship services, Special Needs Planning and Trustee Services.

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

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 / 254-5701 www.cardinalhill.org Providing physical rehabilitation services to people of all ages. Cardinal Hill offers inpatient, outpatient and home care services.

Baptist Health 1740 Nicholasville Road 260-6460 http://baptisthealthlexington.com Corner Pharmacy 1701 Alexandria Drive / 309-1230 Family Eyecare Associates Dr. Rick Graebe 105 Crossfield Dr., Versailles (859) 879-3665 www.myfamilyvision.com Family Practice Associates 1775 Alysheba Way 263-5007 / www.fpalex.com Offers patient-centered medical care that emphasizes coordination and communication. Its goals are to improve quality, enhance preventive services and to provide comprehensive chronic disease management.

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.

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.

Bluegrass.org 1351 Newtown Pike, Bldg. 1

Drs. Ditto and Musik Eye Care Center

Successful Aging Resource Guide 2015

104 Fairfield Dr. / 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.

KentuckyOne Health St. Joseph Hospital 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 Offers 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

}}} 25

Resource List 2015 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 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.

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.

Cardinal Hill Home Care Services 2050 Versailles Road / 254-5701 http://www.cardinalhill.org/services/ home_care_services.aspx Comfort Keepers 2350 Regency Rd, Suite A Lexington / 224-1124 www.comfortkeepers.com Provides non-medical in-home care for seniors, new moms, plus emergency monitoring systems.

Family Choice Home Care 2150 Lexington Rd. Suite G, Richmond / (859) 333-8147 www.familychoicecare.com 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 2380 Fortune Dr. 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.

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

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

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26

Successful Aging Resource Guide 2015

www.lexingtonfamily.com

Alzheimer’s and dementia care.

Support Services Caring Transitions 1411 Delaware Ave. / 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.

2331 Fortune Drive, Suite 280 268-2574 / 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 Monday-Friday. Cost is based on a sliding scale.

New Moon Medical 1210 West Lexington Ave. Winchester / (888) 737-1880 www.newmoonmed.com ParentCare 337 E. High St. / 252-0817 Esther Hurlburt, RN www.parentcareky.com Provides consultation and referrals on all issues of aging.

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, and vehicle modification.

Transition Mobility & Elevator 721 National Ave. / 299-0068 www.transitionsmobility.com Providing lifts, home elevators, tub www.lexingtonfamily.com

cut-outs, door openers and more to improve mobility for clients in their own home.

Yellow Cab Phone: 231-8294 www.golexcab.com Cabs are wheelchair accessible.

Service to/from doctors office or medical center. Additionally, Yellow Cab can deliver prescriptions and medical supplies to your home if needed.

W

e hold ourselves to a high standard – yours.

Understanding the way of life for all seniors is part of what we do at The Lafayette and Lexington Country Place. By having three unique levels of care and services, from independent living to personal care to skilled nursing – it is all here at our community. Come visit us and learn more about what we offer.

Older Adult Housing

Independent Living A variety of spacious apartment layouts Fully equipped kitchens Fine, restaurant-style dining Scheduled local transportation available 24-hour security

Ashland Terrace 475 S. Ashland Ave. / 266-2581 www.ashlandterrace.org

Ashwood Place Senior Living 102 Leonardwood Dr. Frankfort (502) 223-5551 ashwoodplace.com

Personal Care

Bluegrass Care and Rehab 3576 Pimlico Pkwy. / 272-0608 www.bluegrasscareandrehab.com

Private apartments Personal assistance with all activities of daily living Medication administration 3 meals per day/menu selection Planned social, educational and cultural activities

Bradford Square, Genesis HealthCare 1040 U.S. 127, Frankfort (502) 875-5600 www.genesishcc.com The Breckinridge (Alzheimer’s Residence) 2109 Cornerstone Drive / 543-0824 www.thebreckinridge.com

Skilled Nursing and Rehabilitation 24-hour skilled nursing available Full range of rehabilitation services Private and semi-private rooms available Medicare/Medicaid certified Friendly, caring atmosphere

Bridgepointe at Ashgrove Woods 5220 Grey Oak Ln., Nicholasville 885-3000 www.bridgepointeassistedcare.com Cambridge Place 2020 Cambridge Dr. / 252-6747 www.cambridgepl.com

For more information please call us today!

Christian Towers 1511 Versailles Road / 253-3625 Council Oaks 111 Coconut Grove Dr., Nicholasville (859) 887-9382 www.council-oaks.com

690 Mason Headley Road • Lexington, KY 40504

859-278-9080

www.lafayettelexington.com

}}} Successful Aging Resource Guide 2015

© 2009 Five Star Quality Care, Inc.

27

Daisy Hill Senior Living Community 1001 Crossfield Dr., Versailles 753-2000 goodworksunlimited.com/facility-daisyhill.php Fountain Circle Health & Rehabilitation 200 Glenway Rd., Winchester 744-1800 / http://ltcrevolution.com Golden Living Centers 117 Old Soldiers Lane, Frankfort (502) 875-7272 local.goldenlivingcenters.com Hamburg Senior Residence 1601 Villa Medici Pass / 368-7640 Hartland Hills 1005 Tanbark Rd. / 273-1212 www.holidaytouch.com Homestead Nursing Center 1608 Versailles Rd. / 252-0871 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 Liberty Ridge 701 Liberty Ridge Lane / 543-9449 www.libertyridge.com Mayfair Village Retirement Community 3310 Tates Creek Rd. / 266-2129 www.mayfairseniors.com Mayfair Manor 3300 Tates Creek Rd. / 266-2126 mayfairmanorcares.com Morning Pointe 233 Ruccio Way, 554-0060 150 Shoreside Dr., 721-0350 1400 Gibson Bay Drive, Richmond (859) 626-5000

28

68 C. Michael Davenport Boulevard Frankfort / (502) 226-5888 www.morningpointe.com The Lantern at Morning Pointe 235 Ruccio Way, 309-4867 66 C. Michael Davenport Boulevard Frankfort / (502) 226-7118 Northpoint Lexington Healthcare Center 1500 Trent Blvd. / 272-2273 www.northpointlexington.com Richmond Place 3051 Rio Dosa Dr. / 269-6308 www.brookdaleliving.com Richmond Place Rehabilitation 2770 Palumbo Dr. / 263-2410 www.brookdaleliving.com Rose Manor Nursing Home 3057 North Cleveland Rd. 299-4117 Rose Mary C. Brooks Place 200 Rosemary Dr., Winchester 745-4904 / www.brooksplace.org 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 McCready Manor Telford Terrace 300 Stocker Dr., Richmond (859) 625-1400 www.standrewsplace.org 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 Willows at Citation (Opening in 2014) 1376 Silver Springs Dr. / 277-0320 www.trilogyhs.com The Willows at Hamburg 2531 Old Rosebud Rd. www.trilogyhs.com / 543-0337

AFFORDABLE APARTMENT LIVING

Southeastern Management Centers, Inc. Offers elderly affordable housing at the following properties (859) 225-3334 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. / 2780526 • Main Street Baptist Church Manor 428 Darby Creek Rd. / 263-5153 • 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 Towers Apartments 1511 Versailles Road / 253-3625 Elm Tree Lane Apartments 214 Elm Tree Lane 243-0648 / 253-3856 First African Kanisa Apartments 471 Price Road / 389-9784 Liberty Commons 2101 Cornerstone Drive / 264-8055 Malabu Manor Apartments 145 Malabu Drive / 278-5111

Successful Aging Resource Guide 2015

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 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 5220 Grey Oak Ln., Nicholasville 885-3000 www.bridgepointeassistedcare.com Provides people with memory loss with a safe, creative environment, rich with therapeutic activities.

Christian Care Community Medical Model Adult Day Center 516 Maryland Ave. / 254-5300 www.christiancarecommunities.org Kentucky’s largest faith inspired, non-profit 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 serve others. www.lexingtonfamily.com

Resource List 2015 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 https://lexington.score.org 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, 258-YMCA 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 (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

}}}

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 www.lexingtonfamily.com

(859) 246-8801 www.cardinalhill.org

Successful Aging Resource Guide 2015

29

2015 Calendar of Major Events January

Jan. 13 - 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+. 10 a.m.-noon. Tates Creek Christian Church. Info: 257-2656 or www.uky.edu/OLLI

February

Osher Lifelong Learning Institute at UK: Morehead: Open House and Registration in Morehead. Info: (866) 602-5862 or (859) 2572656 or www.uky.edu/OLLI

March

March 15 – May 3, 2015 – Osher Lifelong Learning Institute at UK: Gallery Hop and Exhibit at Art at the Cathedral gallery at Christ Church Cathedral. OLLI Artists will exhibit works with the theme: “Rites of Spring.” Gallery Hop and reception Friday, March 20, 5-8 p.m.

Regular gallery hours: M-F 10 a.m.-3:30 p.m.

March 19 - 13th Annual Bluegrass Regional 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. Keynote speaker Dr. Joseph Crumbley, MSW, Ph.D., family therapist, trainer and consultant. 8 a.m.-3:30 p.m.

Clarion Hotel, 1950 Newtown Pike. Info: (859) 257-5582 or www.gapofky.org or Facebook/ GrandparentsAsParentsConference.

April

April 12 - I Know Expo: A Caregivers Conference with speakers and vendors.

Lexington Center.

April 25 - Osher Lifelong Learning Institute: “OLLI and the Arts.” OLLI Artists (painting and photography) will display their work at the UK Chorus Spring Concert. Refreshments will be served. 2:30-5 p.m. Free. Tates Creek Christian Church. Info: 257-2656, www.uky.edu/OLLI

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.

Info: 257-5582.

June

Senior Intern Program: Learn about all aspects of our local government. LFUCG Office on

30 30

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 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 SandersBrown Center on Aging. Free. Info: Catilin McGuire 257-8971.

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. 5-May 7 & Sept.

3-Dec. 3, 3-4:15 p.m. Lexington Senior Center, 1530 Nicholasville Road. The first Thursday of the month at 2:30 p.m. light refreshments are served. Free and open to the public. Info: 2572656, www.uky.edu/OLLI Lexington Senior Center: Open Monday-Friday, 8 a.m.-5 p.m.

Exercise classes, art classes, cards, billiards, table tennis, book club, history classes, a variety of special events and activities. Free for Fayette County Residents 60 years and older. 1530 Nicholasville Road, 278-6072.

Bell House Senior Programs: Classes and activities, travel and other special events. 545 Sayre Ave. 233-0986.

Eldercrafters Program: A satellite of the Lexington Senior Center, located at the Black and Williams center at the corner of Booker and Georgetown streets. Open Monday-Thursday, 9:30 a.m.-2 p.m.

Chair Yoga, sewing, knitting, ceramics, cards and socialization. Free to Fayette County Residents 60 years and older. 252-1288.

Charles Young Senior Program: A satellite of the Lexington Senior Center, located at 540 E. Third Street. Open Monday, Wednesday, Friday, 9:15 a.m.-1:15 p.m. Bodies in balance, Tai Chi, pickleball, computer tablet training and other activities. 246-0281.

Aging. 258-3806.

August

Osher Lifelong Learning Institute at UK, Lexington: Open House will be held and Registration (online and by mail) will open shortly after. Info: (866) 602-5862 or (859) 257-2656, www.uky.edu/OLLI

September

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.

Successful Successful Aging Aging R Resource esource Guide Guide 2015 2015

Info: 257-5582.

Osher Lifelong Learning Institute at UK: Open House and Registration in Morehead. Info: (866) 602-5862 or (859) 257-2656, www.uky. edu/OLLI.

October

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

November

Nov. 8: Lexington Family Magazine: 15th

}}} www.lexingtonfamily.com www.lexingtonfamily.com

186 Beasley Road, Versailles (859) 873-7290

Transportation

Grandparents

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.

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.

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.

Grandparents As Parents (859) 257-5582 / www.gapofky.org Hosts an annual conference in March. (See calendar, Page 30).

The Kentucky KinCare Project 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.

Win

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

Superior Van & Mobility 1180 E New Circle Road

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The Lexington Cemetery 833 West Main St. / 255-5522 www.lexcem.org Offering burial, mausoleum, cremation and memorialization options.

Milward Funeral Directors 159 N. Broadway / 252-3411 391 Southland Dr. / 276-1415 Celebration Center: 1509 Trent Boulevard 272-3414 www.milwardfuneral.com

Continued from Page 30 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. 1:305 p.m. Info: 223-1765 or www. lexingtonfamily.com.

December

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

Kerr Brothers Funeral Home 3421 Harrodsburg Rd. / 223-3140 463 E. Main St. / 252-6767 www.kerrbrothersfuneralhome.com Y

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31

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.

32

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 Successful Aging Resource Guide 2015

www.lexingtonfamily.com