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SENIOR SCENE

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Create incentives in estate planning As the mother of two young, rambunctious children, I am always keeping an eye out for their safety. I find myself giving constant reminders to hold hands in the parking lot, don’t jump on the couch, and for goodness’ sake, stop hitting your little brother with a hammer!

For parents, protecting young children from life’s dangers is a basic instinct. However, as children get older and take on more autonomy, the focus of parents shifts away from protecting our kids from external threats and toward incentivizing wise choices and behaviors that will set them up for success in life.

These instincts to protect and incentivize our children come into play when considering how and when they should receive an inheritance.

While it is obvious that my two and four-yearolds are not able to manage an inheritance, that determination can be less clear for an adult child. This is why your estate planning attorney asks questions about your children, such as what they do for a living, what their marriage is like, how they manage their own money, and whether they have any health concerns. Your attorney is looking for any issues that could complicate or frustrate your planning.

For example, if your child has struggled with addiction in the past, you may want to protect him from the temptations that could come with receiving a lump sum of money and in-

DIANE K. LAUTT, J.D.

centivize him to live a healthy lifestyle. Or if your child is a poor money manager, you may want to protect her from quickly blowing through her inheritance on trivial purchases and incentivize her to make wise decisions and plan for the future. Even if she is a decent money manager, you may leave her an inheritance equal to more than she made from her regular paycheck for the last decade. The possibility of a child’s divorce or bankruptcy are other issues parents can anticipate in their estate planning. It may be wise to leave the inheritance with a few “strings attached” to avoid unintended consequences after your passing.

Some parents readily acknowledge a particular child will struggle to manage their inheritance, but are quick to say, “I’ll be dead, who cares!” While that is certainly an understandable response, I counsel parents against simply dismissing the final chance to protect and incentive their children out of fear of offending that child or treating that child differently from others. The “strings” you attach to their inheritance can make a positive lasting impact on them and their families.

The possibilities are almost endless regarding how to create incentives

through your child’s inheritance. Most involve a trust for the benefit of that child, with varying degrees of “rules” that say when funds can be distributed from the trust. The distributions from this trust can be very liberal and generous to your child if there is no trouble on the horizon, but immediately become more restrictive if the circumstances warrant it. If you know exactly what you want to protect against and incentivize toward, your attorney can write specific language to suit your situation. As with any trust, selecting a capable trustee is essential, as is understanding how the income taxes will work.

Ideally, you will visit with your children about your decision regarding how and when they will receive their inheritance. If you decide to set up a trust for them upon your death, it’s typically better if they receive that news from you during your lifetime so they have a reasonable expectation of what will happen upon your passing, as opposed to your attorney informing them after your passing.

If you are contemplating updates to your estate plan, or thinking through these issues for the first time, consider how you might continue to encourage your children by creating protections and incentives in your estate planning.

This article does not constitute legal advice.

Each individual should consult his or her own attorney.

It’s fall at The Wellington Greetings from The Wellington Independent and Assisted Living retirement community!

What a beautiful summer it has been on the north shore of Thompson Lake. Many of our waterfowl have grouped together to head south for the winter. True snowbirds! Did you know you could be a “snowbird” at The Wellington? If you don’t care to shovel that snow or drive on the icy streets, then maybe a winter stay at The Wellington would be the perfect fit for you!

What’s new at The Wellington you ask?

September brings all of our fall fun. Grandparent’s Day on September 7th is the kick-off to National Assisted Living Week. This year’s theme is Caring is EssentiAL. Not only will we celebrate the wonderful world of assisted living, but we will also celebrate all of our hard working staff that are essential to the well-being of our Wellington residents each and every day. Some of the planned activities during National Assisted Living Week include Wellington Rocks Day, Tinsel Tuesday (You guessed it!

Christmas in September!), Western and Watermelon Wednesday, Patriotic Day, Formal Friday and a four day Jeopardy tournament! It will be a whirlwind of a week but oh so much fun!

Also new this fall, The Wellington will be starting resident History and Cookbook Clubs. We even hope to have our own Wellington Cook-

Renee Escherich

Community Relations Director The Wellington book as a result of the new Cookbook Club. We look forward to sharing The Wellington cookbook, full of resident’s favorite family recipes, with others upon its completion!

October is sure to bring out the pumpkins, ghouls and goblins. The holidays of November, Veteran’s Day and Thanksgiving, remind us to be appreciative of our brave veterans’ sacrifices, grateful for fall’s harvest, thankful for the love and support of our family and friends and give thanks for the blessings of the past year.

2020 has been a year like no other, but there is always plenty to be thankful for.

Are you thinking of assisted living? We are here to help you find your way. The Wellington offers all-inclusive assisted living options.

There are many benefits of community living: delicious meals provided, housekeeping and laundry services, personal safety/security, 24/7 care staff on duty and much more! The Wellington offers a small town feel while enjoying city living.

What are you waiting for? Give us a call today, (701)858-9800 to schedule a tour at your convenience “Because Everyone Deserves a Great Life”!

S

FALL 2020

enior cene

THE MINOT DAILY NEWS Office located at 301 4th Street SE, Minot, N.D. For inquiries, call: News 857-1950

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SENIOR SCENE

FALL 2020

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COVID-19 Related Scams COVID-19 Prevention Pill and Cure:

Vaccines, treatments and products:

ing credit card information on the website. Understandably, people are LINDA desperate to find solutions MADSEN This scam solicits inScammers are sending to keep their families safe vestments in a company emails which promise and healthy. Fraudsters that pushes pills and treatments and products are seeking to profit from cures, claiming they can related to the coronavirus. fear and uncertainty by Project Director cure patients within two The email directs the vic- defrauding consumers and ND Senior Medicare to three days. A scammer tim to click on a link to a committing identity theft. posted a video on an Insta- website where their idenPatrol gram account showing tifying information is obND Benefits Charitable himself taking the pill and tained and compromised.

Enrollment Center Contact Tracer: Organizations: then walking into an area Ignore online offers for NDCPD/MSU with COVID-infected indi- vaccinations.

Scammers posing as There has been a recent viduals stating that he COVID-19 contact tracers surge in the number of would not get the virus. are calling and claiming to charitable entities around Coronavirus The FDA has not apbe with the local health the coronavirus. Many are Medical Kit: card or bank account proved a vaccine for department. They say formed by scammers and Operators of a fraud number. Legitimate conCOVID-19 and although you’ve been in contact are fraudulent, illegitimate scheme, as published on with someone who tested tact tracers will not ask for there may be treatments and nonexistent. Do not your insurance or finanfor symptoms, there is no their website, offered con- send cash in the mail, gift positive for COVID-19. sumers access to World cial information. If your “cure.” However, scamThey then request percards, wire money or Bitpersonal information is mers are using fear-based Health Organization sonal information and coin. A reputable organicompromised, it may be tactics to convince people (WHO) vaccine kits in ex- zation will not pressure may ask for your Social change for a shipping used in other fraud that a vaccine or cure is Security number, you to donate. charge of $4.95, which now available.

Medicare number, insur- schemes.

Reporting Medicare consumers paid by enterance number, and credit

Scammers use public health emergencies as opportunities for new fraud schemes. Older adults are at greater risk for serious illness from COVID-19 and are often targeted in COVID-19 scams. Following are just a few of the current scams related to the COVID-19 pandemic:

Fraud: If you think you have spotted fraud, report it right away. ND SMP will help seniors prevent, detect and report Medicare fraud. If you see anything suspicious, contact the ND SMPatndsmp@minotstateu.edu or call 1-800-233-1737 or 701-858-3580. For nonMedicare fraud issues, contact the ND Attorney General’s Office at 1-800472-2600.

The information provided is intended to be a general summary only.

Source of information: Department of Justice News.

Justice News. March 22, 2020 and April 9, 2020 publications; U.S. Attorneys. District of New Jersey. News. March 30, 2020.

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SENIOR SCENE

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Hello Seniors: There is a silver lining in every dark cloud hanging over us with this pandemic. Here at Trinity Homes we are gearing up for that day when everything will get back to normal. In between time we have been trying new activities like: Games: Hungry hippo, (a clothes basket attach a long 4ft stick to it, put assortment of two dozen plastic baseball size colored balls in center of circle.

Place four residents around form a circle. The object of the game is the resident hold the stick with basket and try to get the most balls on the floor under his basket and bring back to where he started from. The most balls win receive a door prize.

Horse Races. Tape out six lanes with numbers,

LOIS ZAHN

Trinity Homes put residence on a number, each resident rolls the dice to move up the lane, the resident that get to the end wins.

Outside Fun: We also put a smile on our resident’s face with the ice cream truck coming twice a month, sitting on the patio enjoying different flavors of hard ice cream cones. Hosting also watermelon contest, enjoying our garden, letting our resident sample our fresh vegetables. Resident love going on walks or just sitting outdoors enjoy-

ing our flowers. We also will be having theme day doing a Hawaii luau, mini Hostfest, Western Days, & Farmers Day. Special music: Frost fire Park Alumni’s concerts, “Just 4 You- Tube Series “summer theater from Walhalla North Dakota. Residents enjoyed each concert Grand Ole Country, Fabulous Fifties, Swing Time. Another online concert was view was Jessie Veeder, singer, song writer from Watford City North Dakota. We also have our staff singing to our residents and bringing up local talent on you tube.

With each activity, we practice our safe distancing, face mask & eye shield & hand washing.

Be safe but remember to stop and smell the roses God blesses.

FALL 2020

—Ask Rusty— What Will My Wife’s Benefit Be If I Die? Dear Rusty: I am 76 years old and began collecting Social Security when I retired at the age of 62. My wife also began collecting SS when she turned 62 based on my benefits. She did not work enough to qualify on her own for Social Security benefits. My question is, how much will my wife receive after my death? Will she receive what I receive now, or will it be a percentage of the total that we both receive? Or will it be based on just my benefits alone or some other formula? Signed: An Inquisitive Senior Dear Inquisitive: Your wife’s survivor benefit as your widow will be based upon your Social Security benefit alone.

Usually a surviving spouse receives the same amount the deceased spouse was receiving at death, if that is more than the survivor is already receiving, and if the survivor has reached their full retirement age. However, in your case, if you should predecease your wife there’s a special rule which may benefit her because you claimed your benefit at age 62.

That rule says that because you claimed before your full retirement age (FRA), your wife’s benefit as your survivor should be at least 82.5% of the benefit you were entitled to at your full retirement age (66), even though you actually claimed at age 62. And because your benefit was reduced by 25% when you took it at age 62, your wife’s benefit as your widow may actually be more than you are receiving when you pass.

This special rule is known as the “widow limit,” which stipulates that a surviving spouse is entitled to the greater of what the deceased was receiving while alive, or 82.5% of the deceased’s “primary insurance amount” or “PIA,” which is the amount due at full retirement age.

Here’s an example: If your FRA benefit amount was $1500/month, then your age 62 amount when you claimed was $1125. But due to the special rule, your wife would get $1238 (82.5% of $1500) instead of the reduced $1125 amount. Of course, this example doesn’t reflect the COLA (cost of living) increases which would have been applied to your benefit over the years, but as your widow and because you claimed before your full retirement age, your wife would be entitled to at least 82.5% of your PIA if that is more than the actual amount you were receiving when you passed.

RUSSELL GLOOR AMAC Certified Social Security Advisor Association of Mature American Citizens About the Virtues of Claiming Benefits Early Dear Rusty: It seems like we are always encouraged to wait until our full retirement age or age 70 to claim our Social Security. For me, benefits at age 62 were a good jump start to my retirement. How about listing the many benefits to early (age 62) retirement? And at what age does it become a liability, if ever? Signed: Happily Retired at age 78 Dear Happily Retired: You’re correct that most financial advisors and Social Security Advisors, including me, frequently encourage people to delay claiming Social Security until at least their full retirement age (FRA). And that’s because far too many claim their benefits as soon as they are available at age 62 “because it’s there,” without evaluating whether that’s a smart move for them personally.

There are many reasons why it’s best to wait, but there are also some very good reasons for claiming benefits at age 62.

Let’s explore those.

Claiming at age 62 is exactly the right move if you are in poor health and don’t expect to live a long life. Benefits taken age 62 are 25% less for those with a full retirement age (FRA) of 66, and 30% less if your FRA is 67. But those reductions become insignificant if you don’t expect to live a long, healthy life from that point forward. If you wait until your FRA, it takes about 12 years to collect the same amount in total benefits as if you had claimed at age 62.

Even if you are in decent health now, if your family history and your lifestyle suggest less than average longevity, claiming before your FRA, as early as 62, may be a prudent choice. By “lifestyle” I mean, for example, whether you exercise regularly, smoke or drink excessively or drive without a seatbelt. There are several life exSee RUSTY — Page 5

FALL 2020

Rusty

Continued from Page 4

pectancy calculators available which can assist with predicting your life expectancy by evaluating your family history and lifestyle, including those available at this website: https://socialsecurityreport.org/tools/life-expectancy-calculator/. Just remember that no one can accurately forecast how long they will live but making an informed decision on when to claim should consider your estimated longevity, among other things.

If collecting your Social Security benefits early is needed to help pay for life’s necessities, such as food, housing, and out-of-pocket medical costs, then claiming as early as age 62, or any other time before your FRA, could be exactly the right choice. In other words, the need for the money now is a driving force in deciding when to claim.

Which brings me to your point that claiming at age 62 was a “jump start” to your retirement, allowing you to begin enjoying your golden years much earlier than you might have otherwise been able to. There’s a lot to be said for taking benefits early to fulfill your bucket list while you’re still young enough to enjoy it.

And, from your signature, it looks like you’ve been putting that extra Social Security money to good use for many years now. Good for you!

Now, at age 78, you’ve reached your “breakeven point” where, if you had waited until your FRA to claim, your cumulative lifetime benefits would hereafter be more than they will be because you claimed at 62. That may not, however, offset the many years of happy retirement you’ve been able to enjoy because you took your benefits early.

In the end, deciding when to claim Social Security should be done after carefully evaluating your personal situation. Anyone who claims benefits before their full retirement age must beware of Social Security’s “earnings test” which limits how much you can earn before your benefits are affected. But those who can afford to wait and who expect to live to a ripe old age would do well to consider delaying until their full retirement age, or even beyond, to claim their Social Security benefits. If their life expectancy is at least “average” they’ll collect much more in cumulative lifetime benefits by doing so.

SENIOR SCENE Can My Mother Get Benefits from Common Law Marriage?

Dear Rusty: My 71-year-old mother has a very small Social Security income. It is not enough to find her housing. I am working to file for increased VA benefits, as she is a veteran. Her partner of 21 years (common law spouse) has passed away, and we have an appointment next week to apply for spousal benefits.

First question: We have the option of applying for her partner’s SS benefits, and we are completing the form SSA753 statement regarding marriage. Is there anything else I should have to be prepared for the appointment? Second question: My mother and father were married for 27 years before they divorced. I was going to request filing for his benefits as it is easier to prove than a common law relationship. Is there anything else you could recommend being prepared for the appointment? Signed: Concerned Daughter Dear Concerned Daughter: Whether your mother will be able to collect a survivor benefit from her “common law” spouse will depend upon the state in which their relationship was established. Social Security’s rules specify that for their relationship to be recognized as a “marriage” for Social Security benefit purposes, it must have been established in a U.S. State which recognizes “common law” marriage. And only a small number of U.S. states currently do.

For clarity, it is only required that the relationship be established in a State which recognizes “common law” marriage. If their relationship started in a state which recognizes it, and they subsequently moved to and resided in another state which doesn’t, SS will recognize that relationship as a valid marriage and your mother will be entitled to survivor benefits based upon the deceased’s SS record (100% of the deceased’s benefit amount).

States which currently recognize “common law” marriage are Colorado, Iowa, Kansas, Montana, New Hampshire, South Carolina, Texas, and Utah, plus the District of Columbia. A number of other States previously recognized common law marriage but have since stopped doing so. If the relationship was established in a state which, at the time, recognized common law marriage, Social Security will also recognize the marriage. Vari-

ous U.S. states have, over the years, changed their laws regarding common law marriage, and Social Security will evaluate your mother’s eligibility for survivor benefits based upon where and when the common law relationship was established. They will be looking for proof of the marriage relationship, such as joint bank account statements, joint asset ownership records (e.g., a car registered in both names, joint home ownership, etc.) and it would be good to have multiple forms of such proof available. They may also require a copy of the death certificate for her common law spouse and, obviously, his Social Security number.

Regarding your mother’s other alternative for benefits from her marriage to your father, if your mother and father were married for 27 years, she may be eligible for a spousal benefit from your father as his ex-spouse. If your father is still living, and if she isn’t eligible for an SS survivor benefit from her common law relationship (SS doesn’t recognize her common law marriage), your mother may still be eligible for as much as 50% of what your father’s SS benefit was at his full retirement age (FRA), plus any COLA increases given since his benefits started. Spouse benefits from a living ex-spouse are not as much as the survivor benefit from a current spouse – the survivor benefit is up to 100% of what the deceased spouse was receiving at death; the benefit from a living ex-spouse is up to 50% of the exspouse’s FRA benefit amount (if that is more than your mother is eligible for on her own SS record). Of course, if your father is deceased, your mother would be eligible for a survivor benefit on his record, which would be equal to 100% of the benefit amount your father was receiving at his death.

This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA).

NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/social-security-advisory) or email us at ssadvisor@amacfoundation.org.

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Protecting 50+ voters during a pandemic AARP is fighting to protect 50+ voters and make their voices heard on the issues that matter - protecting Social Security and Medicare, lowering prescription drug prices, and ensuring voters 50+ can vote safely from home or in-person.

While polling places are expected to be open on Election Day, North Dakota makes it easy for you to vote absentee, from the safety of your home.

Here are some important reminders if you plan to vote absentee: – Voters need to apply for an absentee ballot; – Voters can request an absentee ballot application from your county auditor’s office or online at https://vip.sos.nd.gov/absentee – Voters must have valid identification, such as a driver’s license, state-issued ID card or Tribal ID that includes your date of birth and current address; – Voters must return their ballots postmarked

by Monday, Nov. 2, or drop them off at their county auditor’s office no later than Nov. 2.

AARP North Dakota is urging residents who want to vote from home to apply for an absentee ballot right away. The first day you can vote absentee is Sept. 24.

If you are interested in learning more about voting safely from home or in-person for the November election, join AARP North Dakota at 6:30 p.m. Wednesday, Sept. 29, for a live telephone town hall. The telephone town hall will feature Donnell Preskey Hushka, the executive director of the County Auditors and County Treasurers; and Erica Johnsrud, the McKenzie County auditor/treasurer, who will answer questions about voting safely this fall. Register to participate at https://vekeo.com/aarpnorthdakota.

Also, be sure to tune in to Prairie Public Broadcasting throughout October for nonpartisan election programming featuring the U.S. House candidate debate at 7 p.m. Thursday, Oct. 8; and the N.D. Superintendent of Public Instruction debate at 7 p.m. Friday, Oct. 16. The time and date of the N.D. gubernatorial candidate debate is yet to be determined.

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SENIOR SCENE

FALL 2020

Helpful hints for fall Happy Autumn! The third season of the year is known for the “Season of Change.” The weather is growing cooler, the days shorter and the air crisper. As we adjust to the changes of Autumn and eventually Winter, it is ideal to take some time to act to ensure safety and wellness of older adults who are aging in place. The weather is not the only cause for concern. Older individuals can have weakened immune systems, making them susceptible to the viruses responsible for cold and flu season. In recognition of the challenges of colder weather, here are a few tips to ensure your loved ones are safe and protected.

– Protect against falls indoors and out - Fall and winter bring several mobility hazards that need to be prepared for. Wet leaves, ice and snow on a driveway or sidewalk can cause dangerous falls. Keep them clear. If it is hard to keep up with the tasks, consider signing up for services to clear debris around a loved one’s home.

– Check the thermostat - The risk of hypothermia does not end inside the home. In fact, older adults can develop the condition even at comfortable temperatures. Experts recommend using 68 degrees Fahrenheit as a minimum temperature, but higher is better.

– Fall and Winter fashion - Do not put the lighter clothing in moth balls just yet, but be sure to have sweaters and jackets ready for the fall temperatures. Layering is the name of the game throughout autumn. For the upcoming winter months this would mean dressing more heavily than you might think necessary, including outerwear and additional layers. Be mindful of footwear, as well. Non-skid boots and shoes with plenty of traction can help prevent slips and falls in wet or frosty weather.

– Prepare for ice and snow - In cooler regions, it’s not unusual to get a preview of the cold, snowy and icy weather during the autumn months. Be sure to make sure shovels, car brushes and salt are accessible in the event of an early storm. Even though bundling

Lori Naze

Director Nutrition Services Trinity Homes up can help them stay warm outside the safest place is in your own home. It is best to accompany your older relatives if they need to go outdoors and to limit outdoor time overall as temperatures drop. This is especially important if your loved one has already had a fall, or is living with reduced mobility as the result of age or incident.

– Ward off seasonal illness - The frequency and severity of sickness escalates as the year comes to a close. Hand washing is one of the most effective ways to prevent the spread of fall or winter illness. The CDC recommends washing your hands with soap and clean water for 20 seconds. Wet, lather, scrub, rinse and dry. Older adults can also boost immunity through good hydration, which can benefit the immune system during cold and flu season.

– Checking - If your older relatives do not cook often, food can spoil, posing a health risk. Check the foods in their refrigerator and cabinets to make sure nothing has gone bad, and all packages have been properly resealed.

Additionally, make sure they have at least one-week supply of all medications. Additionally, fall is one of the critical times of the year to check smoke and carbon monoxide detectors.

Change the batteries in these devices, and test them to make sure they are in good working order.

While these are all things that you can do, there are often community resources available for family caregivers, including local area agency on the aging programs. With these tips, home caregivers can ensure their loved ones stay safe as the seasons change and have a little more peace of mind through the holiday season.

Depression may complicate recovery from peripheral artery disease SENIOR SCENE

FALL 2020

By American Heart Association News

People with a vascular condition that commonly affects arteries in the legs could have a tougher road to recovery if they also have depression, according to a new study.

The research, focusing on 1,243 people in the U.S., the Netherlands and Australia treated for peripheral artery disease, or PAD, showed women were more likely to be depressed than men. The research was published Wednesday in the Journal of the American Heart Association.

PAD causes a narrowing of

the arteries serving the legs, stomach, arms and head. It is associated with a high risk of death and illness from cardiovascular diseases and may cause excruciating pain while walking, impacting mobility and quality of life.

"A major goal of PAD treatment is improving patients' health status and quality of life," the study's lead author Dr. Qurat-Ul-Ain Jelani said in a news release. She is an interventional cardiologist in training at Yale University School of Medicine in New Haven, Connecticut. "Not recognizing or treating depressive symptoms may stand in the way of realizing optimal recovery. … A multidisciplinary

approach that includes mental health supports for patients with PAD would be beneficial."

Researchers assessed depression symptoms at the beginning of the study using an eight-item survey that included questions about their energy, appetite, sleep pattern and interest or pleasure in participating in activities.

Their medical conditions were assessed via phone interviews four times over a year.

The results showed: – At the start of the study, 21% of women had symptoms of depression compared to 13% of men.

– Men and women with

PAGE 7

depression symptoms had worse health status at each time point, compared to patients who did not report such symptoms.

"This is the first study to document how depressive symptoms may complicate PAD recovery even among patients receiving specialty care," senior study author Kim G. Smolderen said in a news release. She is a clinical health psychologist and co-director of the Vascular Medicine Out-

comes Research Program at Yale University's New Haven Hospital.

Because the study focused on people treated at vascular specialty clinics, the findings may not apply to the general population of PAD patients who may not have access to specialty care. In addition, the study excluded other mental health issues, such as anxiety and stress.

"PAD is more than treating the legs and the corresponding

pain," Smolderen said. "We need awareness for the patient as a whole in order to provide patient-centric care."

If you have questions or comments about this story, please email editor@heart.org.

American Heart Association News covers heart disease, stroke and related health issues. Not all views expressed in American Heart Association News stories reflect the official position of the American Heart Association.

A senior lifestyle designed for your

peace of mind At Elmcroft, the safety and wellbeing of your loved one is crucial. Our commitment to seniors is stronger than ever, as our dedicated staff continue to provide care and services to our residents!

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3515 10th St SW | Minot, ND 58701 701.380.8463 | elmcroft.com

Schedule your virtual tour today!

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High blood pressure telemonitoring might help cut heart attack, stroke rate in half SENIOR SCENE

PAGE 8

By American Heart Association News

People taking part in a pharmacist-led telemonitoring program to control high blood pressure had about half as many cardiovascular events as those monitored through routine office visits, according to a new study.

The research, published Monday in the American Heart Association journal Hypertension, used data from 450 people with uncontrolled high blood pressure across 16 clinics in Minnesota. Participants were randomly split into two groups. After six months of using at-home monitors and being guided over the phone by pharmacists, participants had lower blood pressure for two years compared to the group who received routine care through their primary care doctor.

After five years, 5.3% of the re-

mote care group had heart attacks, strokes, stent placements or heart failure hospitalizations compared to 10.4% for the routine care group.

Patients reported they liked hav-

AP Photo

ing support from a trusted professional, rapid feedback and adjustments to their treatment, and having someone to be accountable to, said lead study author Dr. Karen

FALL 2020

L. Margolis in a news release.

"By avoiding serious cardiovascular events over five years, our results indicate significant cost savings," said Margolis, executive director of research at HealthPartners Institute in Minneapolis. Over five years, the study said the savings could be up to $1,900 per patient.

But researchers caution the fiveyear findings for a reduction in cardiovascular events fell "just short of statistical significance," which means they could have been due to chance. Still, Margolis said, she and her colleagues were "surprised that the figures on serious cardiovascular events pointed so strongly to a benefit of the telemonitoring intervention."

Nearly half of U.S. adults have high blood pressure, defined as equal to or greater than 130 for the top number or 80 for the bottom number. However, most adults with high blood pressure don't

have their numbers under control.

Margolis said based on the study findings, "widespread adoption of the telemonitoring model might help U.S. adults with uncontrolled high blood pressure avoid serious cardiovascular events and reduce health care costs."

The study authors recommend future studies to figure out how to increase the number of patients engaged in home blood pressure monitoring over many years, and to measure cardiovascular risk factors and cardiovascular events over that extended period.

If you have questions or comments about this story, please email editor@heart.org.

American Heart Association News covers heart disease, stroke and related health issues. Not all views expressed in American Heart Association News stories reflect the official position of the American Heart Association.

Some common blood pressure meds might lower depression risk

By American Heart Association News

Certain medications that lower blood pressure also might lower the risk of depression, a new study shows.

Researchers analyzed data on more than 3.7 million adults in Denmark who took any of the 41 most commonly prescribed high blood pressure medications, including 37 medicines approved for use in the United States, from 2005 to 2015.

None of the medications increased the risk of depression â&#x20AC;&#x201C; and, in fact, nine appeared to lower it.

The findings were published Monday in the American Heart Association journal Hypertension.

Depression is common among people with heart dis-

ease, stroke and high blood pressure, also called hypertension. Researchers said this is the first study to systematically investigate whether individual blood pressure medications might influence the risk of develop-

AP Photo

ing depression.

"Our study's findings could help guide prescriptions for patients with high blood pressure who are at risk of developing depression, those with prior depression or anxiety, and

patients with a family history of depression," lead study author, Dr. Lars Vedel Kessing, said in a news release. He is professor of psychiatry at the Psychiatric Center Copenhagen and the University of Copenhagen, Faculty of Health and Medical Sciences in Denmark.

"However, if a patient is doing well with their current blood pressure prescription, there is no reason to switch.

If depression develops, a medication switch may be considered to one of the nine anti-hypertensive medications that lowered depression risk."

The four main categories of blood pressure-lowering medications were reviewed: angiotensin agents, which include ACE inhibitors and ARBs; calcium antagonists;

beta blockers; and diuretics.

Diuretics showed no impact on depression risk, but a few medicines in each of the other categories significantly lowered it. Those nine â&#x20AC;&#x201C; all approved in the U.S. â&#x20AC;&#x201C; are enalapril and ramipril (angiotensin agents); amlodipine, verapamil and verapamil combinations (calcium antagonists); and propranolol, atenolol, bisoprolol and carvedilol (beta blockers).

"It is possible that the mechanism involved in decreasing the risk of depression is the anti-inflammatory effect among these nine medications," Kessing said. Lowgrade inflammation is common in high blood pressure and heart disease, as well as in depression. Future research, he said, should compare the inflammatory

properties in those medicines.

The research was not a clinical trial that randomly selected which medications patients received, and it relied on a clinical diagnosis of depression. The impact on depression risk was analyzed for each high blood pressure medication individually and not tested head-to-head or as combinations of one or more antihypertensive medications.

If you have questions or comments about this story, please email editor@heart.org.

American Heart Association News covers heart disease, stroke and related health issues. Not all views expressed in American Heart Association News stories reflect the official position of the American Heart Association.

FALL 2020

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/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, monthlyJanuary to October, 8 a.m. to noon Butte Senior Center 626-7243 Business Meeting: 1st Tuesday, 2 p.m., monthly, followed by cards &

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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 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 1800-927-8318.

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 monthâ&#x20AC;&#x2122;s meeting.

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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, 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

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Minot Commission on Aging 21 1st Ave. SE, SE, Minot • 852-0561 • www.minotcoa.com

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 Se Services Home Delivered Meals The Parker Parker Coffee Shop Health/Foot Health/ Foot Care Prairie Rose Home Service offers Housekeeping, Laundry, Grocery Shopping, Meal Preparation & Respite on a scheduled basis.

PRHS is a designated ND Quality Service Provider. To receive

services available from Prairie Rose Home Service call 701-839-2797.

SENIOR SCENE

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 324-4032.

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: No-

vember through April, Saturday, noon; May through October, Friday, 6 p.m., Games & Social follows Board members meet as needed.

Lansford H 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

From help with daily activities to sharing your favorite music this is home care. ®

At FirstLight the care we provide goes beyond the basics. Our team, led by owners Kristina and Mike Larson, is made up of extraordinary caregivers who will spend time getting to know your loved one and understanding how to enrich their life.

Schedule a complimentary consultation today.

701-881-0101 NDcentral.FirstLightHomeCare.com

FALL 2020

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 meeting Monday-WednesdayFriday: 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:

FALL 2020

3rd Wednesday Other Events: As scheduled Call: 852-0561 for more information Contact: Deb Leyrer, 852-0561 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 afternoons 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, 8623642; Judy J, 862-3852; Terri M. 862-3124 and Marilyn H. 862-3301

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

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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 8528008.

The club email address is sawyerseniorciti-

zens@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: 1800-927-8318.

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 240-2679 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 Social Meetings: Cards- Wednesday & 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.

PAGE 11

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 228-3101 to make an appointment.

SENIOR SCENE

PAGE 12

FALL 2020

The care you want, for the people you love.

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Thousands of families across America have found a different and better kind of care for their aging loved ones – Programs of All-Inclusive Care for the Elderly. We use an Interdisciplinary Team approach to develop care plans for each individual!

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Northland PACE Minot 701-419-1993 • 2700 8th St NW ND Toll Free 888-883-8959 TTY 800-366-6888 www.NorthlandPACE.com

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We are dedicated to providing a personalized approach to care so that participants, families and Northland PACE healthcare staff can know each other well and work efficiently together toward achieving shared outcomes.