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Minot’s Evelyn Hildebrand receives AARP’s highest volunteer award for community service
Hildebrand
Evelyn Hildebrand of Minot is the recipient of the 2020 AARP Andrus Award for Community Service AARP’s most prestigious volunteer award. The award recognizes outstanding community service and symbolizes that individuals have the power and ability to make a difference in the lives of others. The award is given to one North Dakotan annually. Hildebrand volunteers for many organizations and
events, including the AARP Foundation Tax-Aide program. She is a client facilitator and assists people with setting up appointments. She volunteers in a number of other ways including delivering meals to shut-ins for her church, and is a hospital volunteer. Hildebrand says, “It means I get to visit with and talk to and be with people that are real and have very busy lives whether they are shut in now because of
COVID or because of a health condition. I become a richer person by becoming involved with them.” “I still have my (car) keys and air in the tires, and I have the urge and the willingness to get out and do it!” As the award recipient, Hildebrand has chosen the Ward County Historical Society to receive a $500 contribution from AARP in her name to go towards completion of the church at the Pioneer Village Historical
Museum. Because of the pandemic, Hildebrand was recognized during a virtual event on Nov. 24. You can watch a recording of the event at http://bit.ly/AndrusEvent. A panel of previous award recipients and AARP North Dakota volunteer leaders selected Hildebrand from among 11 nominations. Hildebrand was nominated for the award by Roger Guttormson of Minot.
Where should I keep my estate planning documents? If you find yourself spending more time at home this winter because of the pandemic, I encourage you to take a few hours and organize your important legal and financial documents. The time you spend on this project will pay dividends in the future for the person who will take over your affairs if you are incapacitated or pass away. If someone is taking over management of your legal and financial affairs or settling your estate, they will need to know what you own and what your legal planning says. While I have never heard a family member say, “I wish Mom wasn’t so organized!” I have heard the opposite many times: “I have no idea how to figure out what Dad owned-he never talked about any of this,” or “You have no idea how long it took me to find Mom’s abstracts!” Here are four simple things you can do between now and Christmas to organize these important documents. Grab a few folders or a three-ring notebook and follow these steps:
DIANE K. LAUTT, J.D.
safe or safe deposit box. Your family must have your original Will after your passing in order to carry out your wishes, and only a few exceptions exist to get around not being able to find the original Will. Vehicle titles, stock certificates, original powers of attorney, original deeds, abstracts and other documents that are difficult, expensive, or impossible to replace are also best kept in a safe or safe deposit box. Keep any copies of these documents in a separate notebook in a more accessible place, such as your home office or bedroom. In this notebook, write down the location of the original documents and your safe combination or key location. This way your family can easily find the bulk of your important papers quickly and be pointed to where the original —Put your legal documents in documents are kept. If you prefer a safe, secure place. Your origito store digital copies of docunal Will or Trust is best kept in a ments online, look into compa-
situation. At a minimum, let them know what responsibilities they will have in the future and —Make a detailed list of your the location of your original docassets. For bank accounts, invest- uments and other legal and financial records (such as the ment accounts, retirement acnotebook you compile with recounts, mortgages, credit cards, pension plans, etc., this can be as cent statements). simple as finding a recent statement for each account and stuff—Keep your records current. ing them all into a folder. Or it If you update your estate plancan be as elaborate as a detailed ning documents, be sure to shred spreadsheet. Also be sure to com- the old ones. If you switch banks pile life insurance and long-term or obtain a new investment, recare policy documents and premember to add a current statemium statements. Add these to ment to your notebook and the same notebook where you remove obsolete ones. have copies of your legal docuTaking over for a loved one bements. Put in a copy of your recause of their incapacity or death cent personal income tax return can be stressful and overwhelmas well. If you have business interests, add your bylaws. Keep a ing. Following these simple steps list of usernames and passwords will save your designated representatives the confusion and exif you have online accounts. pense of locating and possibly —Talk with key people about replacing your important documents, and will ensure they have their future responsibilities. all the information necessary to Make sure the people you have named as your personal represen- manage your affairs as you have tative, trustee, or power of attor- directed. ney know you have chosen them to serve in that capacity. Share This article does not constitute with them as much information legal advice. Each individual as you are comfortable regarding should consult his or her own atyour legal planning and financial torney. nies like DocuBank or using Google Drive.
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enior cene
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The health benefits of
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4 POPULAR TEAS
(METRO) When in need of a beverage to warm them up, billions of people across the globe routinely look to tea. That choice has been made since ancient times, as various historians trace the habitual consumption of tea to ancient China. Anything that has survived since ancient times no doubt has some good qualities, and tea is no exception. According to Penn Medicine, various types of tea each provide their own unique health benefits, some of which may surprise even the most devoted tea drinkers.
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PEPPERMINT TEA: The Mount Sinai Health System notes that peppermint calms the muscles of the stomach and improves the flow of bile. Made from dried leaves of the peppermint plant, peppermint tea can help to soothe an upset stomach and help people overcome conditions like constipation, irritable bowel syndrome and motion sickness.
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ducing blood clotting. In addition, the National Cancer Institute notes that the polyphenols in green tea may protect people against the damage caused by exposure to ultraviolet B radiation. One study published in Stroke: Journal of the American Heart Association also associated green tea consumption with a reduced risk of stroke. Tea has been consumed for millenia. Though many people drink tea simply for its taste, those same people may drink even more after learning about the effects this beloved beverage can have on their overall health.
GREEN TEA: Green tea is loaded with flavonoids, which Penn Medicine notes improve heart health by lowWHITE TEA: A 2010 ering bad cholesterol and restudy published in the Journal of Food Science found that antioxidant-rich white tea boasts anti-carcinogenic properties. Penn Medicine also notes that white tea is a significant source of fluoride, catechins and tannins, ingredients that can strengthen teeth, improve their resistAt FirstLight® the care we provide goes beyond ance to acid and sugar and fight plaque. the basics. Our team, led by owners Kristina and
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From help with daily activities to sharing your favorite music this is home care.
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CHAMOMILE TEA: Many people like drinking this herbal tea before bedtime because they feel it helps them fall asleep, and one study published in Molecular Medicine Reports in 2010 notes that chamomile tea is widely regarded as a mild tranquilizer and sleepinducer. Chamomile tea also has been shown to improve heart health. A 2015 study of 64 patients with diabetes published in the Journal of Endocrinological Investigation found that those who consumed chamomile tea with meals had improved triglyceride and “bad” cholesterol levels compared to patients who drank water.
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Age with Style and Grace
FAMILY FEATURES
A
ging may be inevitable, but with advancement in research and technology, there are plenty of ways you can slow, or even reverse, the hands of time to stay healthy and promote longevity. Consider these ideas from Longevity Labs+, a company dedicated to cutting-edge aging research and the makers of spermidineLIFE, a firstof-its kind, clinically studied supplement containing natural spermidine, which renews cells and can reverse the signs of aging:
Protect Your Skin
Not only does your skin protect vital internal organs, it’s an essential barrier to intruders like bacteria and other infection-causing microbes. The skin is also the body’s greatest tool in managing hydration levels and providing critical cues to your nervous system about things like temperature and pain. With such a big role in your overall health and well-being, the skin often shows the first signs of aging. Wrinkles and age spots are often indicators of a person’s true age. However, you can reduce the visible impacts of aging on the skin with daily care. Regularly moisturizing helps keep skin supple, and diligent sunscreen application year-around can protect your skin from damaging sun rays. Some compounds and nutrient plans can help nurture youthful skin. It’s also important to closely monitor your skin for changes, especially changes to moles or other spots that may be signs of skin cancer, which is generally treatable when caught and managed early.
In addition, collagen peptides and a spermidine-rich diet can be key in ensuring healthy skin into your later years.
Maintain Clean and Healthy Cells
You may not realize it, but as each day passes, your body’s cells age, die and accumulate toxic matter, which disrupts cellular function and causes a myriad of age-related diseases such as dementia and cardiovascular disease as well as decreases immune function. However, a compound naturally produced by the body and found in nature called spermidine can clean cells of toxic matter so they can operate with renewed youth and efficiency. Spermidine triggers a cellular renewal process called autophagy, which allows cells to shed layers of waste and regenerate instead of slowing down and dying off. As the body ages, natural levels of spermidine decline, cellular regeneration slows and signs of aging are accelerated. Spermidine is a key to anti-aging and is believed to help reduce the onset of neurodegenerative and age-related diseases. You can boost spermidine levels by eating certain foods that are high in spermidine, like lentils, soybeans, mushrooms, aged cheese, pears, broccoli, peas and cauliflower. However, few people eat enough spermidine-rich foods to maintain optimal levels in their later years. Taking a supplement like awardwinning spermidineLIFE* can support cellular renewal and help cells stay young and healthy. The first and only clinically studied spermidine supplement in the world, it includes spermidine naturally extracted from European non-GMO wheat germ along with carefully selected vitamins, minerals and healthy fats.
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Manage Physical Health
As you grow older, your metabolism slows, making it easier to hold onto
Manage Health extraPhysical weight. Excess pounds are associated with numerous health risks,
slowing youitdown overall. Maintain a more youthful body Asin you addition grow older, yourto metabolism slows, making easier to hold onto extra weight. Excess poundsby are associated with numerous risks, and mobility consuming a health well-rounded, nutritious, whole-food diet in and additioncommitting to slowing you down overall. Maintain a more youthful bodywhich can help not only banish extra to regular exercise, andcalories mobility by consuming a well-rounded, whole-food diettone strong, your balance steady and but also keep nutritious, your muscle andyour committing to regular exercise, which can help not only banish extra posture straight. calories but also keep your muscle tone strong, your balance steady and Just as important as what you do to protect your health as you age is your posture straight. what youasdon’t That alcohol, quitting smoking and Just as important what you do. do to protect yourmeans health as youlimiting age is avoiding the temptation to indulge in high-fat and sugary foods. what you don’t do. That means limiting alcohol, quitting smoking and avoiding the temptation to indulge in high-fat and sugary foods.
Support Mind Matters
Support Mind Matters Worry lines aren’t just wrinkles that come with age; they can be a sign of
Worry lines aren’t justangst. wrinkles thatFrom come withstress age; they can a sign ofof sleep to slips in memory, there are persistent to belack persistent angst. From stress to lack of sleep to slips in memory, there are plenty of reasons to focus on your mental health as you advance in years. plenty ofGetting reasons to focus on your mental health as youplay advanceain big years. role in your physical health as well as enough rest can Getting enough rest can play a big role in your physical health as well as your mental wellness. Too little sleep prevents your body from reenergizing your mental wellness. Too little sleep prevents your body from reenergizing itself can affect and mood. Worry and stress can itself fully andfully can affectand your cognition and mood.your Worry andcognition stress can cause you feel your years. Information is key, and smart devices alsoalso cause you to feel your years.toInformation is key, and smart devices such rate can and sleep such as heartas rate heart and sleep trackers provide you withtrackers the necessary can provide you with the necessary information to and find helps what information to find what helps whatwhat hurts healthy circadianand rhythms and hurts healthy circadian rhythms and deep, regenerative sleep. deep, regenerative sleep. Growing forgetful as you age is also common to an extent, memory Growing forgetful as you agebutis also common to an extent, but memory problems can be exacerbated by stress, lack of sleep and other You lack of sleep and other factors. You problems can be exacerbated byfactors. stress, cancan also keep your keep mind sharpyour by playing games, doing puzzles, also mind sharp byreading playing games, doing puzzles, reading andand maintaining an active and engaging social life with others.engaging Even during social life with others. Even during maintaining an active and this pandemic, phone and video calls can help engage your mental state this pandemic, phone and video calls can help engage your mental state through important social activity.
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Ask Rusty: Will my social security benefits ever stop? Dear Rusty: Has someone who paid into Social Security for most of their life ever lost their benefits later in life? For example, if they start collecting benefits at age 62 and live to be 85 or longer, could they suddenly lose their benefits? Can Social Security ever come along later and say “Sorry, you’ve used up all your benefits?” I know there are many people, including me, who have no other income or savings, so if their SS suddenly stopped they would need assistance to survive. I started my benefits at age 62 because I had to. I’ve always been in reasonably good health, so I wonder - what if I live to be 85, 90 or 95 will I still have enough in the system to get my Social Security check? Signed: Living on SS
RUSSELL GLOOR AMAC Certified Social Security Advisor Association of Mature American Citizens
expectancy (average longevity for SS recipients today is mid-80s). Starting this year, the reserves in the Trust Funds will be used to cover any income shortfall. The last official report from the Trustees of Social Security predicted that the SS Trust Funds assets are sufficient to pay full benefits until about 2035 (the effects of the COVID-19 pandemic will surely worsen that prediction). But even if Congress fails to act to resolve the issue and the Trust Funds run dry in the future, your benefits will still continue. If the Trust Funds run dry, however, your benefit would be reduced (not eliminated). If the Trust Funds are fully depleted, Social Security can only pay out as much as the income received, which would mean a benefit reduction of about 21%, according to current predictions. Sadly, Congress already knows how to fix Social Security’s financial issues - what’s lacking is the bipartisan cooperation needed to accomplish it. Personally, I do not believe that Congress will ever allow the Trust Funds to run dry, requiring a cut in benefits (it would be political suicide to do so). Given the vitriol permeating Congress today we’ll probably need to wait a while for a solution, but one will eventually come. In any case, please rest assured that your Social Security benefits will never stop, no matter how old you get. You can’t “use up all your benefits.”
Dear Living: Please put your fears about losing your Social Security aside – you will never stop receiving your benefits even if you live to be 110 years old. The system isn’t dethrough important social activity. signed to compare what you’ve collected to Find more ideas for navigating your later years with grace at spermidinelife.us. Find more ideas for navigating your later years with grace at spermidinelife.us. how much you’ve contributed. If you meet the basic eligibility requirements, there is no danger of your payments ever stopping because you’ve “used up all your benefits.” Here’s how the Social Security system works: Everyone who works pays a Social Security payroll tax (currently 6.2%; matched by their employer) up to the annual payroll This tasty recipe features three of the top 10 spermidinetax cap. All those payroll taxes collected are rich foods: broccoli, mushrooms and aged cheese. It also used to pay benefits to all those who are altasty three of the top 10 spermidinekeeps well, so youThis can prepare it for a recipe casual brunchfeatures then ready collecting Social Security – the payroll rich foods: broccoli, mushrooms and aged cheese. It also reheat for an easy breakfast the next day. taxes you paid weren’t put into a separate ackeeps well, so you can prepare it for a casual brunch then count for you. Essentially, the system is “pay reheat for an easy breakfast the next day. Longevity Breakfast Bake as you go,” where everyone who works and Prep time: 30 minutes earns pays for those already receiving beneCook time: 1 hourLongevity Breakfast Bake fits. So, the benefits you are now receiving are Servings: 8 Prep time: 30 minutes not being deducted from a personal account 1 tablespoonCook olive oil time: 1 hour in your name. Everyone currently working 1 pound uncured, organic bacon Servings: 8 and contributing to Social Security helps pay 1 pound sliced, organic white mushrooms for your benefits, as well as benefits for every1 tablespoon olive oil 1 pound organic broccoli one else already collecting. Any money left 1 pound uncured, organic bacon 1/2 cup water over after all benefits are paid are invested in 1 pound 2 cups grated aged cheddar cheese sliced, organic white mushrooms special issue government bonds, which are 14 organic eggs 1 pound organic broccoli This article is intended for information 1-2 teaspoons garlic1/2 salt cup water held in the Social Security Trust Funds, earn- purposes only and does not represent legal Photo courtesy of Getty Images fresh ground black2pepper, to taste ing interest which accrues into the Trust cups grated aged cheddar or financial guidance. It presents the opinHeat oven to 350 F. cheese In skillet over medium-high heat oil. While Funds. Money from income taxes on Social ions and interpretations of the AMAC Foun14 heat, organic eggs Crack eggs and whisk until egg whites and yolks skillet is warming, chop bacon teaspoons into small pieces. Cook Security also contributes to SS revenue to dation’s staff, trained and accredited by the 1-2 garlic salt in one consistent color. Season with blend together Photo courtesy of Getty Images bacon until crispy. Transfer bacon to plateground covered pay for benefits. As of the end of 2019, the garlic salt andpepper, pepper, to taste. National Social Security Association fresh black to taste Heat oven to 350 F. Funds held about $2.9 with paper towel to absorb excess grease. In bottom of baking pan or cast-iron skillet, spread Social Security Trust (NSSA). NSSA and the AMAC Foundation Infrom skillet over some medium-high heat, heat oil. While Crack eggs and whisk until eggany whites yolks Drain most grease skillet, reserving to broccoli and mushrooms evenly. Add crispy bacon bits trillion in assets, reserved to cover short-andand its staff are not affiliated with or enskillet is warming, chop bacon into small pieces. Cook saute mushrooms. blendage together in one consistent color. Season with and cheddar cheese. Pour eggs into pan and carefully stir of SS income received vs. benefits paid dorsed by the Social Security Administration bacon untilCut crispy. bacon to plate covered Saute mushrooms until translucent. broccoli Transfer garlic salt and pepper, to taste. until ingredients are evenly mixed. out. or any other governmental entity. To submit with grease. into thick, bite-sized pieces;paper cover andtowel microwaveto absorb Bake 40-45excess minutes, or until top of casserole starts In bottom of baking pan or cast-iron skillet, spread You may have read about Social Security a question, visit our website (amacfounda4 minutes with waterDrain to soften. most grease tofrom brown. skillet, reserving some to broccoli and mushrooms evenly. Add crispy bacon bits facing future financial difficulties. That is prition.org/programs/social-security-advisory) saute mushrooms. and cheddar cheese. Pour eggs into pan and carefully stir marily a result of the declining ratio of workor email us at ssadviSaute mushrooms until translucent. Cut broccoli until ers ingredients are evenly mixed. life to beneficiaries and increasing sor@amacfoundation.org. into thick, bite-sized pieces; cover and microwave Bake 40-45 minutes, or until top of casserole starts 4 minutes with water to soften. to brown.
Eat Away Your Age
Eat Away Your Age
Strategies to overcome seasonal affective disorder SENIOR SCENE
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(METRO) Winter can be an awe-inspiring time of year. Snow-covered landscapes and opportunities to enjoy sports like skiing and snowboarding make winter a favorite time of year for nature enthusiasts and athletes. As fun as winter can be, many people struggle with the transition from warm weather and long, sunny days to cold weather and reduced hours of sunlight. Sometimes mistaken or misidentified as the “winter blues,” this phenomenon is known as seasonal affective disorder, or SAD.
What is seasonal affective disorder?
According to the National Institutes of Mental Health, SAD is a type of depression. The NIH notes that a person must meet full criteria for major depression coinciding with specific seasons for at least two years to be diagnosed with SAD. The American Psychiatric Association says symptoms of SAD can be distressing and overwhelming and even interfere with daily functioning. The APA notes that SAD has been linked to a biochemical imbalance in the brain that’s prompted by shorter daylight hours and less sunlight in winter. As the seasons change, a shift in a person’s biological internal clock or circadian rhythm can lead to them being out of step with their normal routines. That can contribute to various symptoms, including: — Feeling sad or depressed — Loss of interest or pleasure in activities once enjoyed — Changes in appetite, usually eating more and craving carbohydrates — Loss of energy or increased fatigue despite increased sleep hours — Increase in purposeless physical activity or slowed movements or speech that may be noticed by others
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— Feeling worthless or guilty — Difficulty thinking, concentrating or making decisions — Thoughts of death or suicide
Overcoming SAD
The weather can’t be changed, but people can speak with their physicians about the following strategies to overcome SAD. — Light therapy: According to the APA, light therapy involves sitting in front of a light therapy box that emits a very bright light. In the winter, patients typically sit in front of the box for 20 minutes each morning, and they may see some improvements within one to two weeks of beginning treatment. Light therapy is usually continued throughout the winter. — Medication: The APA notes that selective serotonin reuptake inhibitors, or SSRIs, are a type of antidepressant that are sometimes prescribed to treat SAD. — Spending time outdoors: People with SAD who don’t typically spend much time outdoors when the temperatures dip may notice their symptoms improve if they make a concerted effort to spend time outdoors in winter. — Rearrange rooms in the home: The APA notes that rearranging rooms and furniture in a home or office to allow more natural light in during the daytime can help improve symptoms of SAD. SAD is a legitimate concern for millions of people across the globe. Working with a physician to overcome SAD can help people successfully transition to days with fewer hours of sunlight.
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WINTER 2020
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The many ways WALKING benefits your body
(METRO) Life changed dramatically in 2020. When the World Health Organization declared a COVID-19 pandemic in March 2020, hundreds of millions of people across the globe were forced to change how they go about their daily lives, including how they exercise. Health-conscious adults accustomed to exercising at local gyms had to find new ways to exercise in the wake of the pandemic. Many gyms were forced to close in areas hit hard by COVID-19, and that left many people without access to fitness equipment like weights and cardiovascular machines. Resilient men and women soon found ways to exercise, and many of them embraced walking. Though walking might not provide the same level of intensity that fitness enthusiasts are accustomed to, the Arthritis Foundation® notes the various ways walking benefits the body. — Walking protects against heart disease and stroke. Walking strengthens the heart and protects it against heart disease. The AF also notes that walking lowers blood pressure. In fact, post-menopausal women who walk just one to two miles per day can lower their blood pressure by nearly 11 points in 24 weeks, while women who walk for 30 minutes a day can reduce their risk of stroke by 20 percent. — Walking strengthens the bones. New York-based Plancher Orthopedics and Sports Medicine notes that walking can stop the loss of bone mass for people with osteoporosis. In addition, post-menopausal women who incorporate 30 minutes of walking into their daily fitness regimens can reduce their risk of hip fractures by 40 percent. — Walking can extend your life. The AF notes that one study linked walking to longer life expectancy, finding that people who exercise regularly in their fifties and sixties were 35 percent less likely to die over the next eight years than people who never walked. — Walking can improve mood. One study from researchers at California State University, Long Beach, found that the more steps people taking during the day, the better their moods were. — Walking can lower risk for cognitive decline. Walking also has been linked to a lower risk for age-related cognitive decline. A study from the University of Virginia Health System found that men between the ages of 71 and 93 who walked more than a quarter of a mile per day had half the incidence of dementia and Alzheimer’s disease compared to men who walked less. In addition, a study from researchers at the University of California, San Francisco, found that age-related memory decline was lower among women ages 65 and older who walked 2.5 miles per day than it was among women who walked less than half a mile per week. Foot traffic increased as people were forced to find new ways to exercise during the COVID-19 pandemic. Walking is a great way to stay in shape and even provides some lesser known benefits for people who walk each day.
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Happy Holidays Merry Christmas and Happy New Year from The Wellington Independent and Assisted Living! Wow, what a year 2020 has been. Due to the ongoing pandemic, every one of us has had to change up the way we live, work and play. Thankfully, with added safety measures that have been in place through the many months, our Wellington family remains healthy and safe. We are grateful to our residents, resident family members and our hard working, steadfast staff for doing all they have been asked to do to keep your loved ones well. It is not always easy to change the way we live every day, so all of us thank all of you for doing your part to help protect our grandmas, grandpas, moms and dads! The holiday season looks a little different here at The Wellington this year. We will be celebrating Christmas, and ringing in the New Year, within our community. Trees, lights, and decorations adorn the inside and out of our beautiful Wellington home. Family and friends have been asked to send Christmas cards to share on our “Christmas Cheer” bulletin board for all to enjoy. If you would like to send a card to share, we would gladly add your greeting to our board! Send your card to The Wellington, C/O Renee Escherich CRD, 601 24th Ave SW, Minot ND 58701. To add more smiles to each day, our generous staff have adopted residents in house to surprise them with Secret Santa gifts through Christmas Day. The Minot community has also not forgotten our seniors. We have received hand drawn pictures and cards from area children that are sure to brighten up a day as well. Santa may even be making a stop to check in on all the good “boys and girls” at The Wellington! The Wellington continues to welcome new residents. In doing so, we are following all state and local safety measures regarding COVID-19, as well as
Renee Escherich
Community Relations Director The Wellington Meridian company directed policies to insure the safety of all residents and staff. There are many benefits of community living: plenty of opportunity to socialize, personal safety/security, 24/7 care staff on duty and much more! Our Wellington community offers a small town feel while enjoying city living. In Minot, ND, only at The Wellington will you have the luxury of lake view apartments. We offer studio, one bedroom and two bedroom apartments, as well as our premier two bedroom deluxe apartments that boast of over 1150 square feet! Respite Care in one of our furnished apartments is also an option for individuals in need of a temporary stay with assistance. You don’t like shoveling snow or driving on the ice? Come, stay for the winter and be a “Wellington Snow Bird”! Our pricing structures include all-inclusive Assisted Living with five additional levels of care available. Enjoy delicious meals, served to you three times a day in our lakeside dining room. If you are not an early riser, our breakfast cart attendant is happy to deliver continental choices to your apartment to enjoy at your leisure. When you are a resident of The Wellington, all you have to do is enjoy life. Weekly, you will receive laundry and housekeeping services in your apartment and our door-todoor transportation to your medical appointments within the city of Minot. What are you waiting for? Give us a call today at (701) 858-9800; ask about our current move in specials and schedule an in person, or virtual tour, at your convenience, because Everyone Deserves a Great Life!
Comparing Medicare Plans Can Save You Money Medicare Open Enrollment is here. With plan premiums at historic lows, now's the time to review your coverage options
M
FAMILY FEATURES
edicare’s Open Enrollment gives people with Medicare the opportunity to sign up for health or prescription drug plans, or make changes to their existing health plans or prescription drug plans for coverage beginning Jan. 1, 2021. But don’t delay – Open Enrollment ends on Dec. 7. Why compare plans for next year? Just as your health care needs can change from year to year, so do Medicare plans. While Medicare plans generally cover all Part A and Part B benefits, not all plans offer the same cost sharing or additional benefits. You may be able to find new extra benefits, save money – or both.
What’s new this Open Enrollment?
Medicare plans in 2021 have historically low premiums – dropping an average of 34% over the last three years, and in some states dropping
over 50%. There’s never been a better time to go to Medicare.gov and look at your options. If you’re among the 1 in 3 people with Medicare who has diabetes, here’s some more good news: hundreds of prescription drug plans will be participating in a new insulin savings initiative, through which they’ll offer a month’s supply of a range of insulins for a copayment of $35 or less in 2021. If you take insulin and enroll in one of these plans, you could save an average of $446 per year on your out-ofpocket costs for insulin next year. Here are some things to consider when shopping for Medicare plans:
Check if your doctors are still in-network and your prescriptions are on the plan’s formulary.
The plan with the lowest monthly premium may not always be the best fit for your health needs.
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Look at the plan’s deductible and other out-ofpocket costs that factor into your total costs.
Some plans offer extra benefits, like vision, hearing or dental coverage, which could help meet your unique health care needs in 2021.
If you take insulin, you may find a plan offering insulin for $35 or less for a month’s supply.
Medicare is here to Help
Think you’ll need help comparing plans? Here are some things you can do safely from your home:
Find plans at Medicare.gov, where you can see estimates for all your prescriptions.
Call us at 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. Help is available 24 hours a day, including weekends.
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Medicare Covers the Flu Shot This year, it’s more important than ever to get a flu shot, according to the Centers for Disease Control and Prevention. Many people with Medicare are at greater risk for serious complications from flu. A flu shot is your best protection from getting and spreading the flu, and Medicare covers it at no cost to you if you get it from an in-network provider. Protect yourself and others – visit your doctor, pharmacy or other local provider and get your flu shot today.
You can also find help in your community. Get personalized health insurance counseling at no cost to you from your State Health Insurance Assistance Program (SHIP). Visit shiptacenter.org, or call 1-800-MEDICARE for your SHIP’s phone number. Many SHIPs also have virtual counseling this year. Medicare Open Enrollment ends on Dec. 7. Now’s the time to act if you want to enroll in or make changes to your Medicare health or prescription drug plan for coverage beginning January 1, 2021. If your current coverage still meets your needs, then you don’t have to do anything. Remember, if you miss the Dec. 7 deadline, you’ll likely have to wait a full year before you are able to make changes to your Medicare coverage. For more information, visit Medicare.gov or call 1-800-MEDICARE. If you need help in a language other than English or Spanish, let the customer service representative know the language. You can also find information about Medicare on the Medicare Facebook page and by following @MedicareGov on Twitter.
Get Help Paying for Prescriptions People with Medicare can get prescription drug
coverage. Some people with limited resources and income may also qualify for what’s called “Extra Help” to help pay for monthly premiums, annual deductibles and prescription co-payments related to a Medicare prescription drug plan. Medicare estimates that more than 2 million people with Medicare may be eligible for Extra Help but aren’t currently enrolled the program. To qualify for Extra Help in 2020, your annual income must be less than $19,140 a year ($25,860 for married couples). Even if your annual income is higher, you may still qualify. Also, your resources must also be limited to $14,610 ($29,160 for married couples). Resources include bank accounts, stocks and bonds, but not your house, car or life insurance policies. To see if you qualify for Extra Help, apply online at ssa.gov or call 1-800-772-1213.
Information provided by the U.S. Department of Health & Human Services.
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lub alendar
Alamo Senior Center 528-4881 Business Meeting: 2nd Tuesday, 1 p.m. Social Activities: Birthdays, monthly, last Tuesday Cards: Tuesday p.m., following lunch Senior Meals: Tuesdays, noon Foot Clinic: Odd months, Divide County Health Nurse
Anamoose Senior Citizens 465-3316 Business Meeting: 1st Monday with bingo & speaker Social Meeting: 3rd Friday of month Senior Meals: Every Monday, 11:30 a.m. to 1 p.m. Chair Exercise: Every Monday & Thurs, 9:30 a.m. Free Blood Pressure Check: 1st Monday, monthly Cards & Dominoes: Every Friday, 6:30 p.m.
Protect Your Medicare Card and Help Fight Fraud Don’t let your guard down. Here are a few important steps you
can take to protect your identity and help fight Medicare fraud. Guard your Medicare card and Medicare Number – Treat these just like you would your Social Security card or a credit card. Remember, Medicare will never contact you for your Medicare Number or other personal information unless you’ve given them permission in advance. Remember, nothing is ever “free” – As the saying goes, if it sounds too good to be true, it probably is. If someone calls to offer you a “free” service, equipment, or COVID-19 kits, just hang up. Review your Medicare claims – When you get statements from Medicare, look them over to make sure they’re accurate. Look for any services billed to your Medicare Number that you don’t recognize. Ask questions about your statements if you see something you think is incorrect.
Berthold Senior Citizens 453-3680 Business Meeting: 3rd Thursday, 3:45 p.m. Cards/Games/Lunch: Tuesdays & Fridays Bone Builders Exercise: Mondays & Wednesdays, 9 a.m. Foot Clinic: 2nd Wednesday, even months (First District Nurses)
Bottineau Senior Center 228-3339 Center is open, Monday through Friday, 10 a.m. to 3 p.m. Business Meeting: 1st Tuesday, 1 p.m. Board Meeting: 1st Tuesday, 12:30 p.m. Senior Meals: Served daily at noon, Monday through Friday Brunch every 1st and 3rd Sunday from noon to 1 p.m. Sit & Be Fit Exercise:
Wednesdays & Fridays, 10:30 a.m. Cards & Pool played daily Potluck Brunch: 1st & 3rd Sundays Birthday Celebrations: Every 3 months Souris Basin Transit service runs daily Monday through Friday, in town. Bus goes to Minot Thursdays. Call 228-2061, for reservations
Bowbells Senior Citizens 337-2376 Business Meeting: 1st Thursday, 2:30 p.m. Social Meetings: (Coffee) Tuesdays, 9 a.m. to 11 a.m.; Thursdays, 2 to 4 p.m. Senior Meals: Every Monday, Wednesday and Friday, 11:30 a.m. Foot Clinic: 2nd Thursday, monthly Cards: Monday evenings, 7 p.m. Bus Service to Kenmare and Minot is available.
Burlington Friendly Seniors 838-3561 Business Meeting: 3rd Thursday, 4:30 p.m., Potluck Supper Social Meetings: Coffee, Monday, Wednesday & Fridays, 9:30 a.m. to 11 a.m. Cards: Thursdays, 1:30 to 4 p.m. Foot Clinic: 3rd Wednesday, odd months, First District Health Nurse Pancake Breakfast: Last Saturday, monthly- January to October, 8 a.m. to noon Butte Senior Center 626-7243 Business Meeting: 1st Tuesday, 2 p.m., monthly, followed by cards & games Social Meetings: Every Tuesday, cards, bingo, games and programs are planned
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Ask A Pro husband was recently diagnosed with cancer. What have you Q: My found helpful for the caregiver when dealing with a loved one’s diagnosis?
A:
Whether you’re younger or older, you may find yourself in a new role as a caregiver. You may have been a part of someone’s life before, but now that they have cancer, the way you support them is different. It may be in a way in which you haven’t experienced and it feels more intense than before.
Dr. Cole Kreofsky, Radiation Oncologist, Bismarck Cancer Center
Many caregivers put their own needs and feelings aside to focus on the person with cancer. This can be hard to maintain for a long time, and it’s not good for your health. The stress can have both physical and psychological effects. If you don’t take care of yourself, you won’t be able to take care of others. Some suggestions include: • Be active. Even light exercise such as walking or stretching can make you less tired. • Find ways to connect with friends. Find places you can meet others who are close to you. • Give yourself more time off. Ask friends or family members to pitch in. The Bismarck Cancer Center offers a Caregiver Support Group every 3rd Tuesday at 5:30 at the clinic at: 500 N. 8th Street. Call 701-222-6100 or check out https://www.bismarckcancercenter.com/services/ support-groups/ for more information.
SENIOR SCENE
Carpio Senior Citizens 468-5908 Business Meeting: 3rd Thursday, 4 p.m. meeting followed by potluck lunch, 6 p.m. Social Meeting: following business meeting with playing cards Foot Clinic: 2nd Wednesday morning, even months, First District Health Unit Pool: Wednesdays, 1 p.m. Whist: Thursdays, 1 p.m. Crosby Senior Center 965-6964 Business Meeting: 1st Friday, monthly, 1:30 p.m., followed by cards & bingo Social Activities: Potluck meal & cards, 4th Friday, Noon Center is open every Friday for cards, games, and speakers Senior Meals: available through the local hospital program
Deering Senior Citizens 728-6662 Business Meeting: 2nd Thursday, monthly at City Community Center Social Meetings: Birthday Potluck, 3rd Monday, monthly (winter- noon and summer- 6 p.m.) Senior Meals: Tuesdays, Thursdays and Fridays in Country Store & Cafe Foot Clinic: 2nd Thursday, monthly Bus Trips to many events Douglas Nifty Fiftys 529-4431 Business Meeting: 4th Tuesday, monthly with potluck Foot Clinic: 4th Monday, even months, First District Health Nurse Social Events: Bingo and lots of visiting City meets regularly at the Center. Quilting Mission: Jan. through May, anyone is invited to help! Drake Senior Citizens 465-3225 Business meeting: 2nd Monday every month. Potluck every 4th Monday every month. Social activities: Nov.-April, open to the public. Every Friday afternoon: cards, games, socializing, coffee and snacks. Foot Clinic: every 2 months.
Call 537-5732 for appointment. Souris Basin public transportation to Minot every Thursday. Call 1-800-927-8318.
Esmond Golden Age Club 249-3230 Business & Social Meeting: 2nd Tuesday, monthly, 2 p.m. Activities: Potluck Meals, Bingo, and Readings
Fessenden Senior Citizens 547-3403 Business Meeting: 3rd Tuesday, monthly, with speakers, programs and games Social Activities: Holiday meals and potlucks Senior Meals: Tuesday, Wednesday and Fridays, catered by Wells & Sheridan Aging Council, (home delivered meals available) Birthdays: 1st Monday, monthly
Flaxton Senior Citizens 596-3850 Business Meeting: 2nd Wednesday, monthly Foot Clinic: 4th Wednesday, odd months, First District Health Nurse Pincochle: Every Wednesday Annual Flu Shot Clinic: October
Glenburn Senior Citizens 362-7773 Every Monday, Wednesday and Friday: coffee starting at 10 a.m. Meals at 11:30 a.m. 1st Sunday of every month, pancake breakfast from 9 a.m. to 1 p.m. at the center. Meeting to follow breakfast. 3rd Sunday of every month, a birthday potluck at the center starting at 12:30 p.m. Games and cards to follow. Footcare every 3rd Monday. Gatherings every Tuesday morning at the Last Hurrah, 10 a.m. breakfast (brunch) on your own. 2nd Saturday of each month, 11:30 a.m. at a different restaurant in Minot, location to be announced at previous month’s meeting. 3rd Thursday of each month, Last Hurrah, 5:30 p.m. Meal on your own. Granville Senior Citizens 728-6888 Business Meeting: 1st Monday, monthly at 1:00 p.m. Afternoon Activities: Daily, Monday through Friday (cards,
WINTER 2020
puzzles and coffee) Senior Meals: Daily, Monday through Friday, 11:30 a.m. at Memorial Diner Foot Clinic: Monthly, 3rd Monday, contact First District Health Nurse Birthdays: 2nd Thursday, odd months, potluck meal at 4:30 p.m. Souris Basin Transit to Minot, weekly on Thursdays
Grenora Senior Center 694-2472 Business Meeting: 2nd Wednesday, monthly, 1 p.m. Social Activities: Annual Burger Fry and Membership Drive, October Cards: Monday, Wednesday & Fridays Senior Meals: Monday, Wednesday, and Fridays, noon Foot Clinic: odd months, morning, Divide County Health Nurse
Harvey Senior Citizens Senior Center is open Monday through Friday, 8 a.m. to 5 p.m. Monthly business meeting 2nd Tuesday celebrating birthdays and lunch served. Bingo at Senior Center every Friday at 1:30 p.m., also card games and visiting. Bone builders exercise Mondays and Wednesdays at 1 p.m. Wells, Sheridan Aging Council serves meals Monday through Friday at noon. Supper night is once a month. Home delivered meals are available. Wells, Sheridan Aging Counci daily bus service to Harvey. Also scheduled bus rides to Minot and Bismarck – call 3244032. Kenmare Senior Citizens Center 385-4551 Business Meeting: Quarterly, Jan., April, July & Oct Social Meetings: Monday through Saturday, 1:30 p.m.Games & 3 p.m.- Lunch Senior Meals: Monday through Friday, 11:45 a.m. Foot Clinic: 3rd Wednesday, monthly, First District Health Nurse Exercise: Tuesday & Thursday, 9:30 a.m. Birthday Potluck: November through April, Saturday, noon; May through October, Friday, 6 p.m., Games & Social follows Board members meet as needed.
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SENIOR SCENE
WINTER 2020
lub alendar
Lansford Hi Neighbors Business Meeting: 1st Wednesday, monthly, 5 p.m. dinner, Lansford Mall Social Meetings: Activities, Tours, Events as planned Senior Meals: Monday through Friday, Backroads Cafe in Lansford Mall Foot Clinic: 4th Thursday, odd months, Lansford Mall, First District Health Nurse Souris Basin Transit Bus Service: Thursdays, to Minot Educational activities, tours, and videos throughout the year. Lignite Senior Citizens Club 933-2855 Business Meeting: 1st Friday, monthly Social Meetings: Card playing, Tuesdays & Thursdays, 1 p.m. to 4:30 p.m. Senior Meals: Monday, Wednesday & Fridays, Noon Foot Clinic: 2nd Monday, monthly, Christ Lutheran Church
Makoti Senior Citizens 726-5757 Business Meeting: 2nd Wednesday, monthly, 7 p.m. Social Meetings: Potluck Supper, 6 p.m., prior to business meeting Frozen Senior Meals: Order the 1st week of the month, 726-5757
Max Over 55 Club 679-2265 Business Meeting: noon, 4th Friday monthly, except 6 p.m. in June and July, potlucks also. Other Friday potlucks coincide with the school year. Check the city calendar for changes. Mohall 1st & 3rd Friday: Noon potluck, all Invited. 3rd Friday: Business meet-
ing Monday-Wednesday-Friday: Bone builders 9:30 am
Newburg Senior Citizens 272-6204 Business Meeting: As needed Social Meetings: As scheduled Senior Meal: Wednesdays, 11:30 a.m., Coffee Cup Cafe, Newburg Mall Foot Clinic: 1st Wednesday, odd months, Community Center, First District Health Nurse
New Town Lakeside Senior Citizens 627-2818 Business meeting: 1st Friday at noon. Senior meals every Friday at noon followed by cards, dominoes, shuffle board, puzzles etc.
Parker Senior Center 21 1st Avenue SE, Minot 852-0561 website:www.minotcoa.com email: mcoapsc@srt.com Senior Meals: Lunch, Monday through Friday, 11:30 a.m. to 12:30 a.m. in Parker Center Dining Room BINGO: Mondays, 12:15 p.m. EXERCISE: Tuesdays and Thursdays, 9:30 a.m. Birthday Celebration: 3rd Wednesday Other Events: As scheduled Call: 852-0561 for more information Contact: Deb Leyrer, 8520561 or debmcoa@srt.com
Parshall Golden Jet Set 862-3444 Business Meeting: 1st Wednesday of each Month at 11:30 am. Home cooked meal every Wednesday at noon. $5.00 Foot Clinic: 4th Wednesday; even months. Activities: Tuesday after-
noons at 3:00 pm are open for suggestions by members and the public. Visiting both days; puzzles. Center is available for rent. Call: Karen O, 862-3642; Judy J, 862-3852; Terri M. 862-3124 and Marilyn H. 8623301
Plaza Senior Center 497-3320 Business Meeting: 3rd Wednesday, monthly, 3 p.m., followed by cards and potluck meal Senior Meals: Tuesday, Thursday, Friday, at 11:30 a.m., in Plaza Cafe; Monday and Wednesday, Breakfast, in Plaza Cafe Foot Clinic: Every other month, Mountrail County Health Nurse Yoga/Exercise: Three times each week Computer: available for members Powers Lake Senior Citizens 464-5630 Center is open, Mon. through Saturday, 7:30 a.m. – 8 p.m. Business Meeting: 3rd Saturday, monthly, 5:30 p.m., followed by potluck supper Social Meetings: 2nd Wednesday, monthly, 1:30 p.m. Senior Meals: Monday, Wednesday, Friday, noon; reservations required Catered by “The Food Barn” Foot Clinic: 3rd Wednesday, monthly, First District Health Nurse Souris Basin Transit Bus Service: Thursdays, to Minot Activities: Cards, puzzles, snooker and coffee with treats, anytime! Local papers available, books and TV Ray Senior Center 568-3946 Business Meeting: 2nd Tuesday, monthly, 12:30 p.m. Senior Meals: 2nd Tuesday, weekly, noon Special events and activities: as planned Rolla Senior Citizens 477-6421 Business Meeting: 2nd Friday, monthly, 12:45 p.m., followed by bingo & entertainment Senior Meals: Daily, noon;
home delivered and frozen meals available Foot Clinic: 3rd Thursday, monthly Exercise: Bone Builders program for seniors Transportation Van: available for rides to medical appointments, shopping and business appointments
Rugby Senior Citizens 776-2240 Center is open daily 9 a.m. to 2 p.m. Business Meeting: 2nd Monday, monthly, 1:30 p.m. Senior Meals: Monday through Friday, 11:45 a.m., Reservations required by 1:30 p.m. day prior. Bingo: Wednesdays, 1 p.m. Souris Basin Transit Bus Service: Daily, in Rugby and Thursdays, to Minot
Ryder Happy Hours Club 758-2404 Business Meeting: 1st Monday, monthly Breakfast: Monday, Tuesday, Thursday & Friday, 7:30 a.m. to 10 a.m. Foot Clinic: 1st Wednesday, odd months
Sawyer Senior Citizens 624-5256 Potluck meals are planned periodically. Senior meals are served at noon on Mondays, Wednesdays and Fridays at Sawyer Senior Center. Call 624-5256 for meal reservations. Pool and exercise are available every Monday, Wednesday and Friday morning. Members’ birthdays are recognized the first Wednesday of every month at the dinner and birthday cake is served. Activity night and meetings are held the second Thursday of each month. Foot clinic is offered the second Wednesday of every even numbered month. For information on bus service to Minot, call 852-8008. The club email address is sawyerseniorcitizens@srt.com
Stanley Golden Age Club 628-2101 Business meeting 2nd Friday 10 a.m. Home-cooked meal every Friday at noon. Birthday party on the 4th Friday of every month; birthday cake and special music.
Senior Basin Transit Bus service every Tuesday and Thursday: call for a ride to Minot. Bus: 1-800-927-8318.
Surrey Senior Citizens Activity Center 839-8702 surreyseniors@srt.com Senior Meals are served at noon on Monday through Thursday serving promptly at noon. Call by 8 a.m. for reservations. Home deliveries by request. Foot care is available at the Center. Call LaVonne at 2402679 for appointment. Exercise class every Tuesday at 1 p.m. Game night will run Jan. 30 through April 2. Open to public w/snacks provided. Bingo is played each Thursday at 1 p.m., prizes awarded. Board meetings held on the last Tuesday before the last Friday of each month beginning at 5:30 p.m. Potlucks held on last Friday of the month starting at 6:30 p.m. Tioga Senior Citizens 664-3425 Business Meeting: 2nd Monday, monthly, 12:30 pm; Board Meeting, 11:30 am Social Activity: Bingo, following monthly meetings Cards: Tuesday and Fridays, 1 pm Towner Senior Citizens VIP Club 537-5155 Business Meeting: 1st Wednesday every other month, 10 a.m. Coffee every Monday 10 a.m. Cards and games Tuesday 6:30 Bunco first and third Thursday of the month 1:30 Senior Meals: Summer, Monday through Friday; fall and winter, Monday, Tuesday, Thursday, Friday, Sunday Foot Clinic: third Tuesday, every other month, First District Health Unit Monthly Potluck & Birthdays: Last Wednesday of the month at noon, with pinochle, whist, hand and foot, and Bunco to follow. Upham 55+ Club 768-2581 Business Meeting: 1st Monday, alternate months
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Social Meetings: CardsWednesday & Saturday, 1 p.m.; both followed by coffee and snacks, 3 p.m. Foot Clinic: 1st Thursday, odd months; First District Health Nurse
Velva Star City Senior Citizens 338-2628 Business Meeting: 2nd Wednesday, noon, followed by birthday party, 2 p.m. Senior Meals: Monday, Wednesday and Friday, 11:30 a.m., catered by Souris Valley Care Center. Volunteers serve meals and package meals for home delivery. Exercise room available for members only. Facility is available for rental. Westhope Senior Citizens 245-6401 Business Meeting: 3rd Monday Center is open Monday through Friday, 2 to 5 pm Senior Meals: Monday through Friday, 11:45 am at Westhope Public School Cafeteria. Home delivered meals are available. Foot Clinic: 2nd Monday, monthly at Senior Center.
Wildrose Senior Citizens 539-2169 Business Meeting: 1st Tuesday, 1 p.m. Social Meetings: Birthdays, 3rd Tuesday, 1 p.m. Senior Meals: Every Tuesday, noon. Transportation: Wildrose Public Transportation, weekly trips to Crosby, Tioga, Williston and Minot, Call for reservations. Van is also available for special events. Willow City Senior Citizens Center Business and social meeting: first Monday of the month at 2 p.m. followed by bingo and lunch. Senior meals served at the Backwoods Cafe every Monday, Wednesday and Friday at noon. Card parties Jan.-March every Monday at 1:30 p.m. followed by lunch Foot clinic: every odd month on the fourth Wednesday at the Senior Center. Call 2283101 to make an appointment
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SENIOR SCENE
WINTER 2020
The care you want, for the people you love. zŽƵ ǁĂŶƚ ƚŚĞ ďĞƐƚ ĐĂƌĞ ĨŽƌ LJŽƵƌ ĂŐŝŶŐ ůŽǀĞĚ ŽŶĞ͕ ďƵƚ ŐĞƫŶŐ ƚŚĂƚ ĐĂƌĞ ĐĂŶ ďĞ ĨƌƵƐƚƌĂƟŶŐ͘ zŽƵ ŬŶŽǁ ǁŚĂƚ ŝƚ͛Ɛ ůŝŬĞ ƚŽ ĚƌŝǀĞ your loved one from appointment to appointment; to ŵĂŶĂŐĞ Ăůů ŽĨ ƚŚĞŝƌ ŵĞĚŝĐĂƟŽŶƐ͖ ƚŽ ĚĞĂů ǁŝƚŚ ĚŽĐƚŽƌƐ ǁŚŽ ŽŌĞŶ ĚŽŶ͛ƚ ƚĂůŬ ƚŽ ŽŶĞ ĂŶŽƚŚĞƌ͖ ĂŶĚ LJŽƵ ƐƚƌƵŐŐůĞ ǁŝƚŚ leaving your loved one at home alone and without the ƐƵƉĞƌǀŝƐŝŽŶ͕ ĐŽŵƉĂŶLJ ĂŶĚ ƐƟŵƵůĂƟŽŶ ƚŚĞLJ ǁĂŶƚ ĂŶĚ ŶĞĞĚ͘
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dŚĞ ĨŽĐƵƐ ŽĨ ĞǀĞƌLJ W ŽƌŐĂŶŝnjĂƟŽŶ ŝƐ ƚŽ ŚĞůƉ ĂĚƵůƚƐ aged 55+ live in the community for as long as safely possible. Ăůů ƵƐ ƚŽ ƐĞĞ ŝĨ W ŝƐ ƚŚĞ ƌŝŐŚƚ Įƚ ĨŽƌ LJŽƵ or your loved one!