Senior Scene Winter 2017

Senior Scene

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Winter 2017

Memories of Christmas past

By SHYANNE BELZER

For inquiries, call: Advertising 857-1963 or toll free 1-800-735-3119

Circulation 857-1998 or toll free 1-800-735-3117

Shyanne Belzer/MDN

Sarah Bradshaw, Eileen Skowronek, Joanne Farden, Garnetta Wanner, Jillie Kuntz and Vivian Keyes.

Beware of charity scams

See PAST — Page 3

We all feel more generous this time of year, and while donating to a good cause is a way many people share the holiday spirit, it is important to know where your charitable donations are going.

Charity scams reach new heights this time of year. But, armed with a little knowledge, you can make sure that your donations do not end up in the pockets of a scammer.

It is imperative to know where your donations are going. There are some professional fundraisers, especially telemarketers, who pocket for themselves 8590 percent of what they raise. You are better off

S

THE MINOT DAILY NEWS Office located at 301-4th St. SE, Minot.

Staff writer sbelzer@minotdailynews.com Christmas seems to change a little every year with new ideas, new themes, and new traditions forming.

Christmas today is vastly different than it was just 60 years ago, 30 years ago, and even just from how it was 10 years ago.

When asked about Christmas, a group of seniors dining at the Parker Center’s coffee shop all agreed that it’s changed drastically from when they were children, going from a simple celebration to something extremely commercialized.

Vivian Keyes, Jillie Kuntz and Joanne Farden all talked about how, growing up on farms in North Dakota when they were young, Christmas was a much smaller celebration but a bigger family ordeal. They would host more family for a big meal, but presents were small.

For Christmas today, many families might decorate any fir or pine

enior cene

LYLE HALVORSON

AARP North Dakota Communications Director

making your charitable donation either at the charity’s website or by calling the charity directly.

Scammers often use sound-alike names of wellknown and respected charities. Or, they invent names purporting to help with popular causes that target older donors in particular: police and firefighters, sick

or needy children, victims of recent natural disasters, and veterans.

Scammers who telephone may use spoofing technology that makes your caller ID screen display the name of a legitimate charity.

If you get a phone solicitation and are interested in donating, find the organization’s phone number yourself, then call and ask for more information, such as a brochure. Once you receive the information you’ve requested, confirm that the contact information and place to send your money matches what you’ve found on your own.

Mailings that arrive at

your home the old-fashioned way tend to be the most credible, but again, be suspicious of those from groups to which you’ve never previously donated.

Doing a little background research on the charity you choose to give to could help provide the facts you need to know before giving away some of your money. A good place to find out if a charity is real or merely has a name that sounds legitimate is Charity Navigator (www.charitynavigator.org) or the Better Business Bureau’s Wise Giving Alliance (www.give.org).

Once you’ve authenticated charities worthy of

your money, mailed personal checks are your safest form of payment.

Never give your credit card information to someone soliciting on behalf of a charity who has called you. And beware of any group that offers to send someone to pick up cash or a personal check at your home.

For information about other scams and how to protect yourself and your loved ones, sign up for the Fraud Watch Network at www.aarp.org/fraudwatchnetwork. You’ll receive free email alerts with tips and resources to help you spot and avoid identity theft and fraud.

News 857-1950 or toll free 1-800-735-3229

All other departments 857-1900 or 1-800-735-3119 Dan McDonald, Publisher

Michael M. Sasser, Editor

Mandy N. Taniguchi Page Design editor

Do you have story ideas?

If you have story ideas, suggestions or comments about Senior Scene, please contact Kent Olson by phone at 857-1939 or via e-mail at kloson@minotdailynews.com.

Senior Scene is published quarterly

by Minot Daily News.

It is coordinated

by Kent Olson.

Winter 2017

Past

Continued from Page 2

trees they have in their yard, but almost everyone decorates a tree indoors, whether real or fake depends on each families preference. All recalled their trees being small and scraggly, some even being outside, not inside. If they did have a tree indoors, it was always a real one, not the many kinds of fake Christmas trees that many own today.

“Christmas was always so much fun,” said Kuntz.

“Someone would dress up as Santa in the neighborhood and talk to all the kids, giving them a gift. The gifts were obviously from the parents, but getting it from Santa made it more of a

Senior Scene treat.”

They all recall decorating their trees with paper loops chained together and popcorn on thread. Some even used real candles in their trees, clipping them on and lighting them for some of their Christmas festivities.

“Everything was handmade and not plastic like decorations are today,” Keyes said.

A specific memory that was shared by Keyes was that no presents were allowed to be opened until dinner was done and everything was cleaned up. Keyes said it was so that her mom wasn’t stuck doing all the cleaning and everyone could enjoy their time together.

“If we didn’t have a rule like that, we all would have just been everywhere doing what-

Page 3

ever,” she said.

Kuntz even recalled, once she was teaching, putting on Christmas shows with her students and how everything was handmade.

“Any decorations, props, or backgrounds we did ourselves.

Then we would light as many candles and lanterns for the show. It would light it up as good as any lights today,” she said.

Despite growing up poor, they all said they never knew they were poor because that was how everyone was. They emphasized that living like that and looking back makes them appreciate how they live now and how much nicer things are, even if the Christmas holiday is commercialized more now.

What changes are occurring to Medicare for next year?

Page 4

There are changes to Medicare premiums coming in 2018.

In the face of low Social Security Cost-of-Living Adjustments (COLA) and because of the Medicare holdharmless provision, premium increases cannot exceed the 2 percent increase in Social Security benefits. If you are within the hold-harmless group, you were paying $109 in 2017 and may pay $134 in 2018, as long as that $25 increase is not more than the amount you received from the 2 percent Social Security increase. Some may see a slightly less amount ($130) if the 2 percent Social Security benefit increase is less than $25.00.

In general, the Medicare Part B premium will remain the same for those who paid $134 per month in 2017.

As above, if you were in the “hold harmless” group and paid $109 in 2017, your premium could be increasing to $134.

The annual Part B deductible did not increase in 2018 and will remain at $183.

PART B PREMIUM AND DEDUCTIBLE AMOUNTS FOR 2017 - 2018 2017 2018 Part B Premium for those held harmless $109 $130 - $134 Part B Premium for those not held harmless 134 134 Part B Deductible 183 183 For those that pay for their Medicare Part A, premiums will increase by $9 to $422. Other changes to Medicare Part A are illustrated in the table below: PART A DEDUCTIBLE AND COINSURANCE AMOUNTS FOR 2017-2018 BY TYPE OF COST SHARING 2017 2018 Inpatient hospital deductible $1,316 $1,340 Daily coinsurance for 61st-90th Day 329 335 Daily coinsurance for lifetime reserve days 658 670 Skilled Nursing Facility coinsurance 164.50 167.50 Some changes were made to Medicare Part D prescription drug plans available beginning January 1, 2018. The Part D base beneficiary premium has increased slightly to $35.02. The Part D deductible for 2018 is $405 (up from 2017’s $400). North Dakota residents have access to 23 different plans, offered by 11

Senior Scene

Winter 2017

Medigap plan types and premiums

DAVID ZIMMERMAN

Director, Consumer Assistance Division Director, North Dakota SHIP North Dakota Insurance Department companies, with premiums ranging from $20.70 to $100.60 per month.

Though the annual open enrollment period (October 15 – December 7), there is a special enrollment period available to all beneficiaries who want to consider a change outside open enrollment period. The “five star” plan special enrollment allows any beneficiary to change from their current plan to a five-star plan anytime between December 8, 2017 through November 30, 2018.

This special enrollment period may not be beneficial for all people wanting to change, however, if the formularies of the five star plans do not include at least a majority of their current prescriptions. Contact the State Health Insurance Counseling (SHIC) office for assistance (contact information at the end of this article).

Medicare supplements or Medigap plans – Understand the basics You might hear Medigap plans referred to as Medicare supplements or supplemental health insurance. A Medigap policy is standardized supplemental health insurance that pays for part or all of the Original Medicare cost sharing you owe. The costs that Medigap plans cover include deductibles, coinsurance amounts and copays. For example, a Medigap plan pays for your Part B coinsurance charges, meaning that it will pay for the 20 percent coinsurance you normally owe when you receive Medicare covered physician services.

It is important to know that Medigap policies only work with original Medicare Parts A and B. If you get your Medicare benefits from a private Medicare plan, known as a Medicare Advantage Plan, you cannot purchase a Medigap plan. In fact, if you already have a Medicare Advantage Plan, it is illegal for anyone to sell you a Medigap policy unless you are switching back to original Medicare.

Congress has recently made some changes that will impact Medigap plans starting Jan. 1, 2020. The Medicare Access and CHIP Reauthorization Act of 2015 states that people who start Medicare in 2020 may not purchase Medigap plans type C or F, which cover Part B annual deductibles. Beneficiaries currently on plans may keep them.

There are ten types of Medigap policies, referred to as “plans,” named after letters of the alphabet. Though the coverage offered within each plan is set by federal law, insurance companies do not have to offer all 10. Regardless of the company selling them, plans with the same letter must offer the same benefits. However, each company may charge a different monthly premium for the same lettered plan.

There are three ways that insurers price Medigap plans.

— Community rated pricing: Monthly premium is based on where you live. For example, people who live in the same county pay the same premium regardless of their age.

— Issue age rated pricing: Monthly premium is based on the age you are when you first purchase the policy.

Premiums can increase because of inflation, but not because you get older.

—Attained age rated: Monthly premium is based on your current age. For example, a company may set one premium for people between 65 and 70 years old, and a higher premium for people 71 to 75 years old.

Contact SHIC to learn how to compare Medigap policy coverage and prices.

When can you buy a Medigap policy?

Under federal law you only have the right to buy a Medigap if you are 65 or older and you must buy your policy during a protected time. The protected enrollment times are during your Medigap Open Enrollment Period or when you have a guaranteed issue right.

Your Medigap Open Enrollment Period lasts for six months, starting with the month you are both 65 and enrolled in Medicare Part B. Companies must sell you a policy at the best available rate and cannot deny you coverage. You can buy the Medigap plan of your choice when you are in your Medigap Open Enrollment Period.

You have a guaranteed right for 63 days after you lose or end certain kinds of health coverage. This right requires that the Medigap companies must sell you a policy at the best available rate and cannot deny you coverage. Depending on the reason, you may be restricted to only purchasing certain plans. However, when you have a guaranteed issue right, insurance companies cannot impose a waiting period before covering pre-existing conditions.

Where can I go for assistance with Medicare issues?

If you have any questions, issues or problems related to Medicare, please call SHIC at (888) 575-6611. The North Dakota Insurance Department has been offering the SHIC program to North Dakota beneficiaries for over 25 years. SHIC counselors provide free and unbiased counseling to any Medicare beneficiary. We are available on the internet at www.nd.gov/ndins/shic.

From stress to success - Making the best of the holidays

Winter 2017

While the holidays can be joyful, they can also bring on stress and depression.

The holidays present a dizzying array of demands — parties, shopping, baking, cleaning and entertaining, to name just a few. Elders can have an especially hard time with the holiday season. At a time, when people are gathering and celebrating, losses of friends, loved ones and traditions can bring on feelings of isolation and loneliness. But with some practical tips, you can minimize the stress that can accompany the holidays.

1. Recognize the signs of stress. Be aware of emotional ups and downs, fatigue, foggy thinking, inability to sit still and concentrate or feeling paralyzed and unable to get anything done. Prolonged stress can rob us of energy and bring on emotional, mental and physical exhaustion. We can be tempted to increase unhealthy behavior such as drinking more alcohol, eating more sweets, getting less sleep and exercising less but these only lower our defenses and can magnify stress.

2. Simplify holiday activities. Many of us love to go all out for the holidays, but it is less stressful to simplify while still enjoying the spirit of the holidays. Have a potluck instead of having to cook everything yourself. Choose a few decorations, foods or activities that are the most important and doable. Then enjoy them!

3. Start new traditions. Try doing something new instead of focusing on what you’re not doing. Make new memories. Attend a holiday concert. Use technology and have a video visit. Go through a photo album with family members.

4. Keep it positive. Take time each day to be thankful. Think about the blessings you have in your life – grandchildren’s smiles, a helping hand from a friend, cuddles with your pet, food on the table, a safe place to live, etc. Everyone has something that fills their heart.

5. Take a break. Do something nice for yourself. Get a massage, have coffee with a friend, go for a walk, make a holiday craft, get something special just for you, or play a game with friends.

6. Make gifts practical. Some gift ideas

Senior Scene

CHERYL COLE

Minot Lutheran Social Services Program Center include: talking watches or clocks, coffee pots that turn off automatically, large wall calendars, gift certificate for haircuts or a favorite restaurant, bird feeders, or newspaper subscriptions. Better yet, give the gift of time and attention and plan an activity with those you love doing something you both enjoy.

7. Have realistic expectations and set limitations. Then stick to them and be clear about them with others. Recognize that holidays may be a difficult time and plan accordingly. You do not have to live up to the expectations of friends or relatives.

8. Reach out to others. Do something nice for another person or family in need.

Volunteer your time and/or talents. Call a friend or family member that you haven’t talked to in a while.

9. Balance solitude with sociability.

While solitude can renew strength, being with people you care about can be equally important. A balance of both is important.

10. Utilize available resources. If faith is important to you, participate in holiday services. Seek out a support group. Connect with local programs and agencies.

Lutheran Social Services Aging Life Care is a good place to start. Aging Life Care provides an option for adults age 65 and older and those with chronic medical or mental health needs to stay independent longer with the support of a trusted advisor along the way. Specialists identify resources that meet the client’s needs and provide assistance to access those resources.

Contact Cheryl Coyle at 271-3251 at the Minot Lutheran Social Services Program Center for more information.

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Greetings from The Wellington

Greetings from The Wellington, a beautiful assisted living community in Minot for individuals 55 and over.

We are enjoying the Christmas holiday season and all the joyful festivities that warm our hearts. The only thing our residents have to do is enjoy life. At The Wellington we believe everyone deserves a great life. Residents are family!

Our dedicated staff strives daily to enrich the life of each and every resident for whom we care. It is important to us to help residents remain as independent as possible for as long as possible. We are proud to provide 24/7 care giving staff and five levels of care for those needing additional assistance.

Only at The Wellington will individuals have the luxury of lake view apartments. We also offer studio, one and two bedroom apartments as well as two bedroom deluxe apartments.

Our delicious meals are served three times a day in our beautiful dining room, as well as coffee and cookies in the afternoon. For those who enjoy sleeping in, we will gladly leave a tray from our breakfast

CAROLYN SCHWEITZER

Community Relations Director

cart to be enjoyed when ready.

Weekly services provided include laundry, bedding changed and light housekeeping. Door to door transportation is provided for medical appointments and weekly scheduled shopping trips.

Our monthly activity calendar is full of entertainment. Everything from exercise classes, weekly church services, bible studies, bingo, music, social hour, family night, card games, movies, manicures and much more. Everyone receives a monthly activity calendar and newsletter, highlighting all the excitement.

See WELLINGTON — Page 6

Season greeting seniors:

Page 6

One bedroom apartments $4,125

NOW ONLY $3,575 For a limited time thru 12.31.17 * some restrictions appy.

Assisted Living | Memory Care

701.852.1399 _ 800 16th Ave SE, Minot | edgewoodseniorliving.com

Senior Scene

Minot Area Senior Coalition would like to send out season greetings to each and one of you. We are looking forward to our next 22nd Salute to Senior, May 8, in the Minot Municipal

Auditorium. Hope to see everyone there.

May you have many blessing come your way in 2018.

Merry Christmas and Happy New Year.

Wellington

Winter 2017

LOIS ZAHN

Minot Area Senior Coalition president

billiard room with TV and pool table or the covered patio.

Guest rooms are available to rent for Continued from Page 5 family members who would like to stay in Feel free to schedule an on-site appoint- the building but not in the resident’s apartment with a message therapist or at the ment. beauty shop (separate charges apply).

Our pricing is structured as all incluBeautifully furnished and comfortable sive, other than levels of care.

Respite Rooms are available (separate There are many benefits of community charge applies) for those needing addiliving; socialization, safety, security and tional time to recover or if a caregiver is un- happiness. Call us today at 858-9800, and available. we would be happy to schedule a tour.

Residents are always welcome to relax We wish each and every one a very and enjoy our library, exercise room, Merry Christmas and a Happy New Year, chapel, fireside room with TV and piano, from our family to yours.

Community safety for older adults

Senior Scene

Winter 2017

Winter has arrived and it brings additional challenges to older adults who enjoy getting outside and going places within our community. As a senior provider within our community, we encourage our older adults to come to planned events, congregate meals and social activities. We want people to participate and to be involved, but we know that we need to remind individuals of things they can do to be safe and to avoid slips and falls while walking on snow and ice.

As we age, there are additional risks that appear as we go out in the community. We may not see all of the hazards, so we need to be more observant. Our usual pace may be too rushed, and our pace may be slower than it used to be due to age or for a medical reason, or because of a medication that we are taking. As we are walking outside and have to cross roads and intersections, it may take us longer to cross and be more difficult to see in low-light conditions. We may not hear traffic, or traffic noise may be confusing. Never cross the

road in front of parked cars as we are less visible to drivers. Uneven sidewalks are a common problem to watch for and slippery areas are a concern and include slick surfaces, wet areas, snow or ice, and supermarket floors in particular.

There are strategies that can help us deal safely with these risks. First and most important, don’t ever hurry. Plan ahead so that it is not necessary to rush.

If you are concerned about being bumped and jostled in crowds, consider using a shopping cart or walker when possible. Participate in an exercise program that will strengthen your legs and improve your balance.

Here at the Parker Senior Center, we offer the opportunity for older adults to be a part of Bone Builders, a FREE exercise

Giving a “Gift of Love” is the best present anyone can get. Our residents at Trinity Homes treasure their time spent with loved ones, visitors and volunteers during

the holiday season. Enjoying the Christmas decorations, special entertainments, Christmas caroling from the community, residents’ Christmas party and Santa visits.

ALYSSA REICH

and MERRY GREEN

Minot Commission on Aging program for those 55 and older that works against the negative effects of osteoporosis. This low impact, chair-based exercise program allows participants to go at their own pace to meet fitness needs. You may call Merrie at 852-0561 for more information on joining.

Here are a few additional safety tips for moving about safely outdoors in our community.

– Be alert to hazards such as cracks and uneven sidewalks; holes, dips and rocks when walking on grass; and snow and ice.

– Walk safely by scanning ahead as you walk; walk heel to toe; and keep your head up, chin in, and shoulders back. This helps you look ahead and walk with confidence.

– Get around the community safely by wearing

Giving a ‘Gift of Love”

Residents enjoy their donated Christmas gifts, which puts a big smile on their faces.

From our home to yours, we wish you Merry Christmas and Happy New Year.

sturdy shoes with a traction device on your shoe; use handrails for support; cross only at the lights and when the sign reads “walk”; make eye contact with the driver before you cross the road, even on a pedestrian crossing; and cross the road with a group.

– Be extra careful in windy weather and when there is snow or ice. Wear bright-colored clothing; if you feel unsteady, remember to ask for help – it’s a sign of strength, not weakness; take slower, smaller steps when walking over snow or ice; and keep sidewalks and driveways well shoveled.

Another suggestion to seniors, ages 60 and older, who want to improve their ability to walk and move around the community, is to participate in a fall prevention program, “Stepping On,” offered by the NDSU Extension Program. This program consists of seven 2-hour sessions of education and strength and balance exercises. Contact Ellen Bjelland, NDSU Extension Service, 857-6450 for more information and to pre-register.

LOIS ZAHN

Volunteer Coordinator/Activities Trinity Homes

Tips to make enjoyable holidays for older family members

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Submitted by ELLEN M. BJELLAND

NDSU Extension Agent, Family & Consumer Science

By JANE STROMMEN

North Dakota State University Edu. The holidays are a special time for us to re-connect as families, enjoy each other’s company and reflect on many good memories of the past. Many older adults are faced with losses – loss of spouse, friends, traditions, health and independence, which can cause challenges for bringing back the special feelings of the holidays. If you have older family members or friends, you can help them enjoy the holiday season more by following these simple tips: Share memories – Talk about how things used to be (the good old days), such as their early holiday memories, family life, school experiences, etc. Holidays are especially nostalgic because they are about tradition and repeated experiences. Holidays are an excellent opportunity to relive past experiences and share them with younger generations.

Consider using picture albums, family videos and music to stimulate memories and encourage older adults to share their stories and experiences.

Enjoy a classic holiday movie together – Sharing holiday movies can help older adults remember aspects of their lives when they first saw certain movies.

There are several Christmas movies that will please grandparents and grandkids alike. For information on the most popular movies, visit <https://www.senioradvisor.com/blog/2014/12/9most-loved-christmas-movie s-that-seniors-enjoy/> Spend time together – The greatest gift you can give to older adults is your personal time. Consider making time for special activities, such as making favorite holiday goodies, going to a holiday concert, or taking a drive to see the holiday lights.

Give a gift that will delight them – Older family member or friends don’t want more things to clutter up their homes and you don’t want to give them gifts they won’t use. For gift ideas that are creative, thoughtful and practical, view <http://www.theadventurouswriter.com/blog/creativegift-ideas-for-elderly-parentsand-grandparents/> or <https://www.caring.com/ar ticles/holiday-gift-guideseniors> Older family members can enjoy happy holiday gatherings by planning ahead and remembering these simple tips.

Page 8

Senior Scene Winter 2017

Did you know that how you own financial accounts during your lifetime is a critically important piece of your overall estate plan?

Did you know that how you own financial accounts during your lifetime is a critically important piece of your overall estate plan?

Many seniors make the mistake of adding an adult child as a joint owner on their bank account because they believe it is the only way for that child to access the account to write checks and otherwise manage their assets.

While this may seem like a convenient solution at the time, doing so may risk exposing your estate plan to unintended consequences after your passing.

Itâ&#x20AC;&#x2122;s a common story: After a recent health scare, Mom moves into an assisted living apartment and realizes she needs help writing checks to pay her bills and otherwise manage her finances. Dad used to manage the finances, but he passed away a few years ago. So Mom enlists the help of Daughter, who lives across town. Momâ&#x20AC;&#x2122;s other three children are scattered across the country and cannot help her with day-to-day financial tasks. Daughter picks up Mom to run errands

DIANE K. LAUTT, PLLC and they head to the bank. After a brief conversation with a bank representative, Mom adds Daughter as a joint owner on her checking account so Daughter can write checks for her and â&#x20AC;&#x153;take care of everything else.â&#x20AC;? Mom goes back to her apartment, relieved that she no longer needs to worry about managing her routine financial affairs.

Daughter handles Momâ&#x20AC;&#x2122;s finances for the remaining years of her life. Upon Momâ&#x20AC;&#x2122;s death, the other children are surprised to learn that Daughter, as the sole surviving owner of the joint bank account, is legally enSee ESTATE â&#x20AC;&#x201D; Page 9

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Senior Scene

Souris Basin Transportation serving Minot for 38 years

Winter 2017

Page 9

By ASHTON GERARD

Staff Writer agerard@minotdailynews.com Being a part of Minot for nearly 40 years, 38 to be exact, Souris Basin Transportation is an integral part of the city’s transit system.

Souris Basin Transportation is a non-profit transit system that began in 1979. Souris Basin serves Minot and the surrounding rural communities in the following seven counties: Burke, Mountrail, Renville, Bottineau, Pierce, McHenry and Ward.

While the initial purpose of the system was for transporting the elderly in rural Minot, Executive Director Darrell Francis is hoping to change the perception from elderly to everyone.

“It’s a very needed service,” said Francis. “It’s very affordable.”

All vehicles from the Souris Basin Transit, 10 vans and 16 buses that hold up to 14 passengers, are accessible. Their main goal was to transport the elderly to and from appointments, on outings, and to the grocery store so that they could remain in their homes and independent longer.

As Souris Basin expands, Francis wants to remind residents that anyone can use the service as long as they make a reservation at least 24 hours in advance.

To reserve a ride, residents can call up to seven days in advance.

“It’s not a fixed route, so when they come up to your curb ... if you need the ramp or you need assistance, that’s what we do,”

Estate

Submitted Photo

A Souris Basin Transportation bus drops off Minot residents at Dakota Square Mall. Souris Basin covers seven counties around the Minot area and includes towns like Rugby and Bottineau. said Francis about the accessibility. They are a curb to curb service that tried to accommodate as many as they can.

They’ve grown from four

of the joint bank account with Daughter. Mom’s Will only applies to assets she owned in Continued from Page 8 her own name, without a titled to the funds in the acjoint owner or named beneficount. Mom had no other as- ciary. sets, as everything was sold Daughter is now unsure if when she moved into assisted she should keep the money living. left in the bank account, or if Even though Mom’s Will she should write checks to stated everything was to be each of her siblings to keep split among her four children peace in the family. One of equally, her Will does not her brothers, who is always legally control the ownership short on cash, keeps calling

routes to 12. These routes mainly work in city limits but will go a little out of town as long as you call and ask. In town, each ride is $2.50.

her about “his share” of the inheritance. This agitates Daughter, as she thinks about the hundreds of hours she spent caring for Mom, how difficult it was to watch her health decline, and how much she misses seeing her almost every day. Maybe she should just keep the money.

After all, she has no legal obligation to share it with her siblings.

It does not matter if the

Unlike other businesses in the area, Francis says Souris Basin Transportation did not slow down because of the decline of the oil boom. On the contrary, the

joint account balance was $5,000 or $500,000. Either scenario can cause unnecessary confusion and animosity among the surviving children.

In many cases, the best solution for Mom would have been to keep the bank account in just her name, but give Daughter access to the account by signing a financial power of attorney naming Daughter as her financial agent. Daughter could have

transit system has been growing and gotten busier according to Francis.

“Right now we’re working on a project and funding for a route from Minot to Bismarck,” Francis said. “That’s to replace the Jefferson Busline system that ceased to operate that route about two years ago.”

In the mean time, Souris Basin continues to service Minot and surround areas with rides to appointments or out on the town.

The accessibility is needed not only in our community, but communities across the state.

Francis says the service runs from 7:30 a.m. to 10 p.m. in Minot and is valuable to not only the elderly but people who do not have access to cars or the public that do not have access to the city’s fixed routes.

“It’s no longer just for seniors,” Francis said. “It is a public transportation system. Our busses from the rural (areas) are not full, they’re about three-quarters, so there’s room. They just have to call and find out.” Francis also said they will deviate off the routes if people live close to the highway, striving to make this service accessible for everyone.

To make a reservation or inquire about a ride, the office is open 7:30 a.m. to 5 p.m., Monday through Friday, and can be reached at (800) 927-8318 or 8397433. If you are using a wheelchair or walker, please inform dispatch so the driver can prepare to assist you.

transacted business on Mom’s behalf, including signing checks, selling property, filing taxes, and taking virtually any other action in Mom’s name.

Upon Mom’s passing, the remaining funds would have been split equally among the children according to Mom’s Will. Or Mom could have added all four children as beneficiaries on the account.

An estate planning attorney’s job is to help clients de-

velop a comprehensive plan to leave their assets to their loved ones when and how they choose. Ensuring that a client’s ownership of assets is in harmony with their existing estate plan is just one small, yet very important, aspect of that job.

This article does not constitute legal advice. Each individual should consult his or her own attorney.

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Social Security Matters Q&A Senior Scene

Winter 2017

months earlier than the normal FRA work record.

Medicare premiums are taken out). benefits before full retirement age and

By AMAC Certified Social If you choose to start collecting My wife of many years also took her the surviving spouse is eligible for Security Advisor Russell Gloor for someone born in 1958 - 66 years

Association of Mature American Citizens and 4 months vs. 66 years and 8 months for the normal.

Dear Rusty: I am a 58-year-old In the immediate future I suggest widow, born in 1958. My husband, you focus on eliminating some of born in 1953, was collecting Social those zero-salary years in your 35 year Security Disability benefits when he work record because they will reduce died, worked throughout his lifetime the Social Security benefit you will be and had earned enough credits to be entitled to. You said you want to coneligible for regular Social Security tinue working, and for each year you benefits had he lived long enough. I work now one of those zero years will know I can start collecting survivor’s be eliminated and your benefit benefits at age 60, but I’m not sure if amount from your own work record that’s smart because I’d like to keep will increase. If working provides working and I’m not sure if working enough money to keep you financially comfortable, then delaying the would affect my widow’s benefits.

I should also mention that I don’t start of your survivor’s benefit beyond have the full 35 years working that age 60 will improve the reduction facSocial Security uses to calculate my tor by about 4.5% for each year you own retirement benefit amount, so delay, up to your FRA. The actual amount of your surI’m unclear about when or whether to consider switching from survivor’s vivor’s benefit will be based upon benefits to benefits based on my own your deceased husband’s primary insurance amount (the amount of benwork record.

Please help me figure out the best efit he would have been entitled to at his full retirement age) and the age at way forward.

Dear Survivor: You already know which you apply for survivor’s benethat you’re not eligible for survivor’s fits. Even if you are still working, benefits until you are 60 years old, there’s no advantage to waiting beand your plan to continue working yond your FRA to start survivor’s benafter that does, indeed, add a wrinkle. efits because the maximum survivor’s While you will be eligible to begin benefit is reached at FRA. Whenever survivor’s benefits at age 60, the ben- you apply for your survivor’s benefit efit you receive will be reduced to you will need to apply in person at 71.5% of what you would receive if your Social Security office, and you you wait until your widow’s full re- should be specific that you are applytirement age (FRA). Note too that as a ing only for survivor’s benefits, not widow, your full retirement age is 4 your benefits based on your own

Dear Rusty: I am 64 years old, born in October of 1952, and in rapidly declining health. I took my Social Security early, as soon as I was 62, and now get $1838 per month in Social Security benefits (before

Social Security at age 62 and she gets $787 a month. From what I understand, when I pass away she will get my full benefit instead of what she gets now. I’m hoping that’s true because she won’t be able to make it with only $787 a month.

Dear Planning: First, you’re to be commended for planning ahead for that time when your wife will be left without you. Dealing with such a loss is devastating enough without adding a severe loss of income into the mix.

Let me quickly put your mind at ease - once she reaches her full retirement age, your surviving spouse will get at least as much as your benefit amount, currently $1838 per month. This is known as her survivor’s, or widow’s benefit. However, if she takes her widow’s benefit before her full retirement age it will be reduced somewhat, depending upon her age when she applies. The following assumes your wife will have reached her full retirement age when you pass.

Normally, the Widow’s Benefit equals the benefit amount that the deceased spouse was receiving, meaning your wife would get the same amount you were receiving when you died - in this case $1838 per month.

There is, however, a somewhat obscure exception, which may apply here. The exception I’m speaking of is a Social Security rule, which applies when the deceased spouse, claimed

widow’s benefits. The surviving spouse has the option of either keeping their own benefit or claiming the widow(er)’s benefit, and in this case your wife would obviously claim the widow’s benefit because it’s higher than her own. But (and this is a big but) because you claimed your Social Security benefit early, your widow is entitled to either of the following, whichever is more: The amount of benefit you (the deceased spouse) were receiving at your death, or, 82.5% of what your benefit would have been had you (the deceased spouse) waited until your full retirement age to start your Social Security benefits.

Using the numbers you gave me as an example, since your current benefit amount is $1838/month, taking out COLA increases granted since you applied means your original early retirement benefit was about $1780. That means that your benefit amount at your full retirement age of 66 (known as your Primary Insurance Amount, or “PIA”) would have been about $2374. Adding past COLA increases onto your PIA brings your PIA amount up to $2458. Using the above 82.5% exception rule, your wife would be entitled to $2027 per month (82.5% of $2458), instead of the $1838 you are now receiving. And that extra

advantage of your good nature and trust-worthy traits to trick you into falling for scams. Cybercriminals have turned their focus from vulnerable technology to vulnerable LINDA humans. According to Mark NunMADSEN nikhoven, Trend Micro, a cybersecurity firm, “scams play on human ND SMP Project Director nature to advance a criminal’s goal.”

North Dakota Center for Fraudsters know that you’re a Persons with Disabilities diligent worker, so they will send out malware-containing emails when you are the busiest and can Cons profit from your good naeasily be distracted, right around ture What makes you a good person lunchtime is a popular time. Some advice, think before you click on also makes you a target for con artists. Today’s online scams are ef- any links in your email, especially fective because they focus on taking during the upcoming holidays.

Don’t trust subject lines like “Immediate action required.” These taglines are commonly used by scammers.

While people like to share things about themselves, don’t share online. Scammers routinely monitor social media accounts using what you write on Facebook or Twitter to create personalized “spear-phishing” emails. Be discreet with what you reveal on social media and don’t accept invitations from strangers to be friends online.

What can you do?

– Keep your personal and financial numbers PERSONAL, don’t

share.

– Contact the Consumer Protection Division at the ND Attorney General’s Office at 1-800-472-2600 if you think you have been scammed.

– Contact ND SMP at ndsmp@minotstateu.edu or 1-800233-1737 if you have questions about Medicare fraud.

survivor’s benefits early and continue to work, Social Security’s “earnings test” could affect your benefit. Except for the year in which you attain your FRA, Social Security will take back $1 for every $2 you earn above their annual earnings limit, which for 2017 is $16,920.

Unlike survivor’s benefits which stop growing at FRA, the benefit available from your own work record will continue to increase if you wait beyond your full retirement age to start collecting it. n fact, your benefits from your own work record will increase by about 8% for each year you delay beyond your FRA, until you reach the maximum at age 70. A prudent approach might be to continue collecting your survivor’s benefits until some years past your FRA (but not later than 70) and allowing your benefit from your own work record to grow.

Provided your own benefit is larger than your survivor’s benefit, you can then switch over to the higher benefit.

In any case, do not wait past your FRA to start your survivor’s benefit, nor after age 70 to start your own retirement benefits.

Nice people make easy targets for con artists

According to the North Dakota Crime Statistics online program, in 2016 there were 1,615 fraud incidents affecting 1,763 individuals in the state. Other ND statistical data includes: – 285 fraud incidents involving individuals ages 55-64.

– 204 fraud incidents involving seniors 65 and over.

– Males are 7% more likely to be victims of fraud in the 55-64 age group 55-64; in the 65 age group, there is there is no gender distinction in fraud victimology.

– Most fraud incidents occur Mondays and Fridays between the hours of 12 p.m. and 5:59 p.m.

See Q&A — Page 11

The information provided is intended to be a general summary only. Sources of information: <http://crimestats.nd.gov/public/Vie w/dispview.aspx> and S. Kirchheimer. October 2017. AARP Bulleting. AARP Real Possibilities.

Senior Scene

Q&A

Winter 2017 Continued from Page 10

$189 per month will, I’m sure, be important to her after you’re gone. Any future COLA increases will add to both the early retirement benefit you receive while living and your full retirement age PIA amount, and your surviving widow will get the higher benefit amount at your passing. Note that your wife should not wait past her full retirement age to apply for survivor’s benefits, as they do not earn delayed retirement credits.

Dear Rusty: I am an older father, having recently been blessed with another child from my second marriage. I started collecting Social Security at my full retirement age and although my current wife is not yet eligible to receive benefits, I now have a young child whose future I need to worry about. So I’m wonder-

ing: is there any way Social Security will help pay for my child’s future college education when that time comes?

Dear Older Father: Well, Social Security won’t pay the tuition for your child directly, but since you’re already collecting benefits and have a young child from your second marriage, your dependent child is entitled to up to half the Social Security amount you are collecting. If you haven’t already, you should apply for this benefit right away. Then what you may do for your child is take advantage of what some have called a “Viagra College Fund,” that is, a Qualified Tuition Plan authorized by Section 529 of the Internal Revenue Code. This is often referred to simply as a 529 Plan, and every U.S. state and the District of Columbia, as well as many educational institutions, offers at least one type of 529 plan. You may want to establish a 529 for your dependent child and then de-

Page 11

posit their Social Security benefits into that plan. There are two types of 529 plans - prepaid tuition plan and college savings plan. The former allows you to purchase tuition credits at a participating university and the latter simply establishes a savings account to be used for future college expenses. As you might expect, there are plenty of rules governing these plans, and you can find out much of what you need to know at https://www.sec.gov/investor/pubs/intro529.htm. You are to be commended for thinking so far ahead for your young dependent’s future.

Your minor child’s Social Security dependent benefit could be as much as 50% of your benefit, and will normally continue until they are 18 years of age (or 19 if still a student or disabled), so a substantial amount of college savings could be accumulated in the 529 by the time he or she attends college.

Right Care.

Right Time.

Right People

“I hear you.”

These three simple words can be music to your loved ones’ ears.

Fortunately, hearing loss doesn’t have to keep you from saying them.

Trinity Health ensures that better hearing is within your reach, no matter what. Whether you’re unsure about your options or concerned about the cost, we hear you and we can help.

We offer the area's only itemized menu of hearing devices, letting you purchase only what you need. It's the shortest path to saying “I hear you” with confidence.

Through years of experience, we have developed a process that allows us to customize your personal care plan.

Audiology services responsive to your needs.

Your highly individualized care plan means you only receive the services you need and want.

• Three full-time audiologists onsite

With our exclusive Personal Service System, you can live your life the way you want with the right care, at the right time, delivered by the right people.

• Discreet, state-of-the-art hearing solutions • Transparent, unbundled pricing

One of the things that is great about Brentmoor is our Personalized Service Plan, where the individual only pays for the services that they require.

Brookdale Brentmoor Minot 3515 10th St. SW Minot, ND 58701 (701) 839-3320 www.brookdale.com/communities/emeritus-brentmoor/

Call

(701) 857-5986 or visit trinityhealth.org/audiology.

Senior Scene

Page 12 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.

Berthold Senior Citizens 453-3680 Business Meeting: 3rd Thursday, 3:45 p.m.

Cards/Games/Lunc h: Tuesdays & Fridays Bone Builders Exercise: Mondays & Wednesdays, 9 a.m.

Foot Clinic: 2nd Wednesday, even months (First District Nurses)

Winter 2017

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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 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 2282061, 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 p.m. 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 p.m. 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 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 Senior Meals: Every Monday, Wednesday & Friday, 11:30 a.m. to 12:30 p.m.

Call 468-5908 or 240-1150 for reservations, leave message.

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 pm, 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: 4th Monday every month.

Potluck every 4th Monday every month.

Social activities: Nov.-May open to the public.

Every Friday afternoon: cards, games, socializing, coffee and snacks.

Foot Clinic: every 3 months, 3rd Wednesday. Call 537-5732 for appointment.

Souris Basin public transportation to Minot every Thursday. Call 1-800-9278318.

Esmond Golden Age Club 249-3230 Business & Social Meeting: 2nd Tuesday, monthly, 2 p.m.

Activities: Potluck Meals, Bingo, and Readings

Senior Scene

Winter 2017 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 362-7555 glenburnseniors@gmail.com Business Meeting: 2nd Wednesday, monthly, 5:30 p.m.supper & 6:30 p.m. meeting Social Meetings: Monday, Wednesday, Fridays, 10 a.m. to noon Senior Meals: Monday, Wednesday &

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Fridays- Call TJ’s Diner, 784-5920, for reservations Foot Clinics: 2nd Monday, odd months, First District Health Nurse Pancake Brunch: 4th Tuesday, monthly, 11:30 a.m.

Potluck & Fun Day: 4th Sunday, monthly, noon Pancake Breakfast/Fundraiser: 1st Sunday, monthly, 9 a.m. to 1 p.m., freewill donation

Granville Senior Citizens 728-6888 Business Meeting: 2nd Monday, monthly Social Meetings: 4th Monday, monthly Bingo Afternoon Activities: Daily cards, puzzles and coffee Senior Meals: Monday, Wednesday & Fridays, 11:30 a.m., at Memorial Diner Foot Clinic: 3rd Monday, even months, First District Health Nurse Birthdays: 3rd

Tuesday, odd months, potluck meal at 4:30 p.m.

Souris Basin Transit Service to Minot: 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.

Page 13 Birthday Potluck: November through April, Saturday, noon; May through October, Friday, 6 p.m., Games & Social follows Board members meet as needed.

Lansford Hi Neighbors 362-7483 Business Meeting: 1st Wednesday, monthly, 5 p.m. dinner, Lansford Mall Social Meetings: Activities, Tours, Events as planned Senior Meals: Monday through Friday, TJ’s Diner 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.

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 Parker Senior Center 21 1st Avenue SE Minot 852-0561 website: www.minotcoa.com

Senior Scene

Page 14 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, PH: 852-0561 or debmcoa@srt.com Parshall Golden Jet Set 862-3444 Business Meeting: Wednesdays, 11:45 a.m.

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Social Meetings: Wednesdays, 11:30 a.m.

Senior Meal: Wednesdays, noon, home-cooked meal Foot Clinic: 4th Wednesday, even months Activities: Tuesdays, 3 p.m., cards, visiting, puzzles Center is available for rent. Call: Judy, 862-3852; Karen, 862-3642; Pat, 8623642

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.

• State Licensed Memor Memory y Car Care e Facility Facility • Therapeutic Activity • Safeguar Safeguard d System for Wandering Wandering Patients Patients •P Pastoral astoral & Spiritual Car Care e • Private R Rooms ooms • Home Cooked Meals •R Recreational ecreational Transportation Transportation

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701-858-9767 520 28th Ave SE • Minot ND (1 Block E of Menards)

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

Senior Scene

Winter 2017 Ryder Happy Hours Club 758-2404 Business Meeting: 1st Monday, monthly Breakfast: Monday, Tuesday, Thursday & Friday, 7:30 am to 10:00 am 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.

Membersâ&#x20AC;&#x2122; 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.co m.

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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: 1-800927-8318.

Q. Will a living trust help me qualify for Medicaid?

Brad Stai, CTFA

A. If the trust is revocable, the answer is no; if it is irrevocable, the answer is maybe. Some people believe that if they transfer assets to a revocable living trust, it will help them qualify for Medicaid because the assets would no longer be titled in their individual names. However, since the trust is revocable, they still have full control and access to the trust assets at all times. Even though the assets have been gifted to a third-party trustee, the gift is technically not completed. Therefore, assets in a revocable living trust will be considered "countable" when either spouse applies for Medicaid.

On the other hand, assets placed in an irrevocable living trust may constitute a Medicaid Asset Protection Trust, provided certain terms and conditions are met. These types of trusts can be complex and require special drafting. It is recommended that persons contemplating an irrevocable trust for Medicaid planning purposes consult with an attorney specializing in elder law for appropriate advice.

Minotâ&#x20AC;&#x2122;s only Local Trust Department

2200 15th Street SW Minot, ND 58701 857-7150

Page 15 Surrey Senior Citizens Activity Center 839-8702 surreyseniors@srt.com Senior meals are served at noon on Mondays, Tuesdays, Wednesdays and Thursdays. Call center for meal reservations.

Home deliveries are available on request.

Foot Clinic is available at the center.

Call LaVonne at

240-2679 for an appointment.

Game night is held every Thursday night starting at 7 p.m. Feb. 1-April 15.

Snacks are provided. Game night is open to the public.

Yoga class is held every Monday night beginning at 5:30 pm.

Class is open to the public.

Bingo is played every Thursday starting at 1 p.m.

Birthday cake and

Senior Scene

Page 16 ice cream are served at 12:30 p.m. on the third Monday of each month.

Board meetings are held on the Tuesday before the last Friday of each month beginning at 5:00 pm Potluck meals are held n the last Friday of each month at 6:30 pm.

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, 1:00 pm Towner Senior Citizens VIP Club 537-5155 Business Meeting: 1st Wednesday, 10:30 am Senior Meals: Monday, Tuesday, Thursday & Friday, noon; Saturday, Brunch at Ranch House Restaurant Foot Clinic: 2nd Tuesday, even months, First District Health Unit Coffee Ladies: Monday Morning Rolls & Coffee: 3rd Wednesday, 10 am Monthly Potluck & Birthdays: Last

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Wednesday Souris Basin Transit Bus Service: Thursdays to Minot

Exercise room available for members only.

Facility is available for rental.

Upham 55+ Club 768-2581 Business Meeting: 1st Monday, alternate months Social Meetings: Cards- Wednesday & Saturday, 1:00 pm; both followed by coffee and snacks, 3:00 pm Foot Clinic: 1st Thursday, odd months; First District Health Nurse

Westhope Senior Citizens 245-6401 Business Meeting: 3rd Monday Center is open Monday through Friday, 2:00 to 5:00 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

Velva Star City Senior Citizens 338-2628 Business Meeting: 2nd Wednesday, 12:00 Noon, followed by birthday party, 2:00 pm Senior Meals: Monday, Wednesday and Friday, 11:30 am, catered

by Souris Valley Care Center Volunteers serve meals and package meals for home delivery.

Wildrose Senior Citizens 539-2169 Business Meeting: 1st Tuesday, 1 pm Social Meetings: Birthdays, 3rd Tuesday, 1 pm Senior Meals: Every Tuesday, Noon Transportation: Wildrose Public Transportation,

Winter 2017 Our Philosophy

“Every person should have the right to access services appropriate to their needs so they can lead an independent, meaningful, and dignified life in their own home and community for as long as possible.”

OUR PROGRAMS

Congregate Meals Prairie Rose Home Care Services Home Delivered Meals The Parker Coffee Shop Health/Foot Care

Prairie Rose Home Service

weekly trips to Crosby, Tioga, Williston and Minot, Call for reservations. Van is also available for special events.

Offer Housekeeping, Laundry, Grocery Shopping, Meal Preparation & Respite on a schedule basis.

PRHS is a designated ND Quality Service Provider

To receive services available from Prairie Rose Home Service: 701-839-2797

Minot Commission on Aging

21 1st Ave. SE, Minot • 852-0561

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