Living Well 60+ September–October 2017 by Rockpoint Publishing

A RESOURCE GUIDE FOR YOUR GENERATION SEPT / OCT 2017 VOL. 13 ISSUE 4

ENTERTAINMENT • HEALTH • BARGAINS • LIFESTYLE

BLUEGRASS ELDERLAW Addressing the Needs of Seniors & Their Families

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SEPTEMBER/OCTOBER 2017

Contents

Sept/Oct 2017

When Your Loved One is Abused in a Nursing Home: A Personal Story

ELDER LAW: Married Couple Medicaid Asset Preservation Using Resource Assessments

Caregiver Support Groups: Is One Right for You?

Program Offers Seniors Health Insurance Assistance

STAFF WRITERS Angela S. Hoover

Charles Sebastian

Dr. Tom Miller

Harleena Singh

Lisa M. Petsche

Martha Evans Sparks

ROCK POINT PUBLISHING Brian Lord / Publisher Kim Blackburn / Sales Representative Jennifer Lord / Customer Relations Specialist Barry Lord / Sales Representative Anastassia Zikkos / Sales Representative

10 TOP 5: Lexington Fun Excursions

Kim Wade / Sales Representative

12 COVER STORY: Bluegrass Elderlaw: Addressing the Needs of Seniors

Janet Roy / Graphic Designer

15 FAMILY VISION: Put an Eye Exam on Your Back-to-School To-Do List Living Well 60+ is a proud product of

16 EVENTS CALENDAR: September/October 2017 18 SENIOR SERVICES DIRECTORY

Publishing

24 Get Ready for Medicare Open Enrollment 25 Legal Issues for Unmarried Seniors Living Together 26 FUNERAL: Why Funerals and Life Celebrations Matter 27 Health, Wellness and Longevity in Women 28 There’s More to a Power of Attorney Than You May Realize 29 SPIRITUAL HEALTH: You Are Not a Round Hole; God Is Not a Square Peg 30 Memory Care Clinic Fills Need for Holistic Approach to Dementia 31 The Fun of Building a Model Railroad

FROM THE

EDITOR Dear Friends, Seniors seem to be more vulnerable than other people in society to scams and rip offs. It isn’t always enough to just be aware of what’s going on or to know what has happened to others. Sometimes you need to consult a lawyer to go over your options and to help you negotiate tricky legal waters. Although there

ROCKPOINT

Tanya J. Tyler, Editor | Share your story: tanyaj@twc.com is a plethora of Web sites where you can write your own will or find downloadable power of attorney forms, your best bet is to work with an attorney who knows all the ins and outs of these documents, as well as someone who knows about the ever-changing rules and regulations of Medicaid and Medicare. We feature in this issue Bluegrass Elderlaw, a local firm that specializes

Living Well 60+ can be found in 19 central Kentucky counties and is distributed to over 900 locations, including senior centers, retirement homes, hospitals, clinics and specialty shops. You can also pick up your FREE copy of Living Well 60+ at most grocery and convenience stores as well as many restaurants throughout Central KY.

For advertising rates and to find out how to get YOUR article published:

859-368-0778 e-mail brian@rockpointpublishing.com © Copyright LIVING WELL 60+ Magazine 2017. All rights reserved. Any reproduction of the material in this magazine in whole or in part without written prior consent is prohibited. Articles and other material in this magazine are not necessarily the views of Living Well 60+ Magazine. Living Well 60+ Magazine reserves the right to publish and edit, or not publish any material that is sent. Living Well 60+ Magazine will not knowingly publish any advertisement which is illegal or misleading to its readers. The information in Living Well 60+ Magazine should not be considered as a substitute for medical examination, diagnosis or treatment.

in helping seniors and their families negotiate this unknown, sometimes daunting territory. Take charge now of your legal concerns so you can continue Living Well 60 Plus. Live life like you mean it!

Tanya

SEPTEMBER/OCTOBER 2017

When Your Loved One is Abused in a Nursing Home: A Personal Story Detecting, reporting and stopping elder abuse by Martha Evans Sparks, Staff Writer

My sister opened the door of our mother’s nursing home room one afternoon just in time to see the nursing assistant hit her. It was a real haymaker that snapped Mother’s head back. “Why did you hit my mother?” my sister asked. “I asked her to sit up and she didn’t,” the young woman replied. Our mother was 96 years old and blind. She could not walk without help. She was lying flat in bed with no pillow under her head.

“The next time you are lying flat and a strange voice belonging to someone you cannot see suddenly asks you to sit up, what do you think you would do?” my sister said with admirable restraint. The certified nursing assistant muttered something and left the room. My sister told both our mother’s doctor and the director of the nursing home about the incident. We heard later the woman who hit our mother was “reprimanded.” She was not fired. She essentially suffered no consequences for her action. This happened years ago in a Central Kentucky nursing home. I lived in another

state at the time. When my sister called me and told me about it, I said, “It’s a good thing it was you and not me. I’d have beaten the daylights out of that woman on the spot. Imagine hitting a helpless, blind person. I’d be in jail by now for assault or worse.” At the time this incident occurred, my sister did the right thing. It was just about all she could do, short of calling our lawyer and threatening to sue the nursing home and the employee. This is not always the smartest action when your loved one must remain under the power of the staff in that nursing home. A few weeks after the abuse, our mother’s doctor arranged to have her moved to a different nursing home. It was in another town and less conveniently located for my sister, but she was more than happy to drive the extra miles in exchange for the compassionate care the new place provided. About six months later, our mother died peacefully in her sleep. What people can do in the face of such an outrageous event

has improved in Kentucky and nationally since it happened to my family. In 1968, there were fewer than 20 adult protective services in the entire United States. That number gradually increased. By 1985, 46 states had established a responsible office. By 1991, all 50 states had mandated that abuse be reported. Kentucky Adult Protective Services assists vulnerable elder adults and their families in stopping and preventing abuse, neglect or exploitation. KAPS’ telephone number is (502) 5647043 or (877) 597-2331. Another organization all caregivers should be aware of is the Family Caregiver Alliance (FCA), founded in the 1970s and headquartered in San Francisco, Calif. The FCA describes itself as “a public voice for caregivers, shining light on the challenges caregivers face daily and championing their causes through education, services, and advocacy.” More information about the FCA can be found at www.caregiver.org.

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ELDER LAW

Married Couple Medicaid Asset Preservation Using Resource Assessments by Mary Ellis Patton and Katie E. Finnell, Bluegrass Elderlaw, PLLC

Medicaid Resource Assessment are an important tool to understand and utilize when one spouse is in need of long term care. A portion of the Medicaid rules is designed to protect the community spouse (spouse at home) from impoverishment and unnecessary dissipation of family assets. Only the institutionalized spouse (spouse in a facility) is required to have assets of $2,000 or less and a pre-paid funeral. The failure to have a proper Resource Assessment in a timely manner can cost couples thousands and even hundreds of thousands of dollars. The community spouse is entitled to keep a portion of the family assets and the Medicaid office establishes that amount at the time of the Resource Assessment. During the Resource Assessment, the caseworker will look at the countable assets belonging to the couple and allocate them between the spouses. Depending on the amount of the countable resources, the community spouse can keep half the amount (based on a specific minimum and maximum allowed amount). At that time the caseworker will determine the amount of the spenddown (if one is necessary) in order to qualify for Medicaid. The spenddown is the amount money the Medicaid office deter-

mines, under the Medicaid rules, which the couple must dispose of in a Medicaid approved manner so their assets reach the level that they will qualify for long term care Medicaid. The Resource Assessment is a snapshot of the assets owned by a married couple for the Medicaid office. A delay in obtaining the assessment will reduce the amount of assets available to be retained by the community spouse. It is better to obtain the Resource Assessment sooner rather than later (within the first couple of months of institutional placement) when assets are higher rather than lower – you want to walk into the Medicaid office for your Resource Assessment owning more assets than less! The patient usually is not eligible for Medicaid at the time of the assessment which makes the assessment even more important. It may not make sense until you see how it works. Example: Betty and John, a longtime married couple, were devastated when Betty had to be placed in the nearby skilled nursing facility. Betty and John were both welleducated individuals and knew that for Betty to be eligible for Medicaid, they would have to spend down their resources. John read articles in magazines and the internet about Medicaid. He knew Betty could only have $2,000 in assets. Both of them have retirement accounts, they own their home and one car, and John has $60,000 in a non-

retirement investment account. The Wrong Way for Betty to qualify is to spend down all their assets until they have only $2,000 in family assets. While she will certainly qualify, John will be without assets that he could have retained. The Right Way for Betty to qualify is to get a Resource Assessment as soon as Betty goes to the nursing home. The Medicaid caseworker will tally up the countable assets, which, in this case, is only the $60,000 account (in the state of Kentucky, the retirement accounts are exempt assets) and then divide the assets in half. Betty gets $30,000 in her “bucket.” John gets $30,000 in his “bucket.” The home and the car are exempt for the community spouse. John and Betty’s spenddown amount is $28,000; they will need to spend the funds in Betty’s “bucket” until her assets are only $2,000. These monies can be spent on either of them. John could buy a new car, pay down the mortgage, remodel the home, buy special things for his wife like a new TV or clothing. After Betty’s bucket is at $2,000 or less, she can apply for Medicaid and will be eligible. Tip: Medicaid requires thorough documentation of all assets, purchases and transfers. Keep all your bank records and purchase receipts and be prepared to trace all transfers of funds. This is the second Resource Assessment Article we have published within a years’ time. Our office has

heard so many stories from families who have gone about things the wrong way, we felt it was worth addressing again. Interactions with the Medicaid Office can be very overwhelming. If you would like to know more or need help, contact a qualified elder law attorney. ABOUT THE AUTHORS:

Mary Ellis Patton has been with Bluegrass ElderLaw, PLLC since 2014 and Katie E. Finnell joined Bluegrass ElderLaw in 2017. They both focus their practices on assisting older persons in qualifying for Medicaid long term care and Estate Planning using Wills, Powers-Of-Attorney, Trusts, and other asset preservation tools. Mary received her J.D. Degree from the University of Dayton, has experience as a clerk for a Probate Judge and is the Chair-Elect of the Kentucky Bar Association Elder Law Section. Katie received her J.D. from Northern Kentucky University, a Legal Masters (LL.M.) in Estate Planning and Elder Law from Western New England University and joined Bluegrass ElderLaw after several years as a sole practitioner.

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SEPTEMBER/OCTOBER 2017

Caregiver Support Groups: Is There One That’s Right for You? They’re excellent ways to prevent burnout by Lisa M. Petsche, Staff Writer

If you’re a caregiver, you may have already read articles about the importance of preventing burnout. Usually these articles include a suggestion to join a support group. Perhaps you’re reluctant to do so because you wonder what caregiver groups are all about and whether joining one would really help you. The overall goal of caregiver support groups is to enhance participants’ coping skills through mutual support and information sharing. Objectives may include: • validating the important role of family caregivers;

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their needs with those of their ailing loved one. The benefits of group involvement include: • realizing you are not alone in your situation; • feeling supported and understood; • having the opportunity to express thoughts and feelings in an empathic, non-judgmental environment; • learning from the experiences of other caregivers; • gaining satisfaction from helping others on the caregiving journey; • making new friends; • keeping current on caregiving issues and resources; and • recognizing the importance of self-care. A group setting isn’t suitable for everyone. A caregiver support group may not be as helpful for those who are very shy or private in nature; someone who is self-focused, either because of a personality trait or extreme stress; or those who have significant, often longstanding personal issues (for example, a psychiatric illness or a conflicted relationship with the care recipient). In such cases, individual counseling may be a better approach. Some caregiver groups are very general and open to everyone. Others are specific to certain populations, such as caregivers of older adults or caregivers for those suffering from Alzheimer’s disease. Some groups are quite structured, with set agendas and built-in time constraints (typically four to six weekly or bi-weekly sessions). Led by health care professionals, including social workers and nurses, these groups are primarily educational in nature and often include guest speakers. More informal groups focus primarily on emotional support. Member sharing of thoughts, feelings and experiences is key. Facilitators may be experienced caregivers or professionals who work with caregivers. Meetings are usually held monthly, with new members welcomed on an ongoing basis.

Where to Find Information About Caregiver Groups • Hospital or community social worker • Non-profit organization associated with your care receiver’s disease • Local agency on aging • Community calendar of your local newspaper • Senior center bulletin board • Community information service • Local public health department or mental health association

How can you tell if you’ve found the right group? After an initial visit, ask yourself: • Is the physical setting comfortable and distraction free? • Are group norms — such as taking turns and respecting differing viewpoints—clearly articulated and observed? • Can you relate to other members’ experiences? • Does the facilitator appear knowledgeable about caregiving issues and resources? • Is the facilitator articulate, sensitive and skilled in maintaining focus, generating discussion, preventing individuals from dominating and recognizing when someone needs outside help? Highly rated groups also emphasize caregiver strengths, incorporate some humor and include time for social interaction. ABOUT THE AUTHOR:

Lisa M. Petsche is a social worker and a freelance writer specializing in boomer and senior health matters. She has personal experience with elder care.

September/October 2017

Program Offers Seniors Health Insurance Assistance Information, counseling, more available at no cost

consumer rights. The hope is that such information will protect conMary Lou Campbell believes sumers against fraud and empower every senior in Kentucky needs them to make informed health to know about the Senior Health insurance choices. Insurance Assistance Program “Our intake counselors have (SHIP) services available through a wealth of knowledge on these the office of Legal Aid of the benefits,” said Angela S. Zeek, Bluegrass. public benefits and ombudsman “I want people to know there is unit manager in the Lexington help,” said Campbell, who works in office. The intake counselor asks the Lexington office of Legal Aid new callers a few questions before of the Bluegrass. “It is frustrating transferring the call to the benefit to see people paying for things that counselor, who will then be in we can do for free.” an excellent position to help the Campbell said SHIP caller. In the Lexingprovides informaton area, you can call tion, counseling and 1-866-516-3051 to It is frustrating speak to an intake enrollment assistance at no cost to seniors to see people counselor. and disabled individu“We collect certain paying for als, their families and information so that we caregivers. The services things that can better assist them,” are provided by a staff Zeek said. “It is not we can do of well-trained local just Medicare we are for free. counselors who help focusing on. We focus people determine their on all the benefits: eligibility for financial Medicaid, Social Secuhelp. If the person is eligible, SHIP rity, veterans’ benefits and a whole staff will help him or her file the host of other programs.” necessary claim forms. SHIP counselors can help SHIP does not sell health insur- clients determine their eligibility ance products. It is funded from for the Supplemental Nutritional federal taxpayer money under the Assistance Program (SNAP), Older Americans Act. Its goal is commonly referred to as the food to educate seniors about health stamp program. They can help insurance coverage, benefits and with troubleshooting. They can

help low-income persons determine eligibility for financial help with dental care, hearing aids or eyeglasses. Legal Aid of the Bluegrass also employs attorneys who will help

N EW

by Martha Evans Sparks, Staff Writer

low-income people with all kinds of civil legal matters, including drawing up a will or a power of attorney or with appeals concerning various issues with Social Security or Medicare. The attorneys may also help with predator lending issues, eviction, landlord-tenant issues or harassment by creditors, as well as divorce, domestic violence, child custody issues and other civil matters. They do not handle criminal law issues. Kentucky SHIP partners with the Department of Public Health Kentucky Prescription Assistance Program to help qualified persons find cut-rate prescription drug programs offered by drug manufacturers and other discount programs. Legal Aid of the Bluegrass is located at 300 East Main Street in Lexington. Call (859) 233-4556 or visit its Web site at www.lablaw.org SHIP has programs nationwide, including programs in every county in Kentucky. The SHIP Kentucky statewide hotline is (877) 293-7447 (option No. 2).

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September/October 2017

Lexington Fun Excursions by Charles Sebastian, Staff Writer

The Bluegrass offers a great deal for residents and passers-through alike. Explore these opportunities in the unique landscape that is Lexington. The Kentucky Theater

First opened in 1922, The Kentucky has been the premier cinema in Lexington for many years. With two main theaters, The Kentucky keeps films running throughout the day. These vary between new releases, art-house movies, independents and movies made by local filmmakers. The ornate designs in the theater, the old-style concessions booth and the friendly face of Fred Mills, longtime general manager of The Kentucky, all come

together for an excellent film experience. www.kentuckytheater.com The Red Mile

The Red Mile offers harness racing (trotters and pacers), simulcasting, a clubhouse with several dining options and all sorts of fun sidelines. If you’re visiting the Horse Capital of the World, the Red Mile is a mustsee. It sits on the outskirts of the University of Kentucky’s campus. www.redmileky.com The Kentucky Horse Park

Opened in 1978, the Kentucky Horse Park has become a favorite place for tourists. A statue of Man o’ War, the Hall of Champions and the Walking Barn Tour are just some of the intriguing experiences you can have at this venue. You’ve come to Kentucky

to see horses “up close and personal.” This is where it happens. www.kyhorsepark.com Keeneland

Keeneland has two well-attended race meets, one in April and one in October. But the track also hosts many sales, races, simulcasts and other events. It has become a hotspot for weddings and corporate events. The picturesque track and grounds and the open stable area make for a lovely day of socializing, learning and maybe placing a few bets. www.keeneland.com The Hunt-Morgan House

The Bluegrass Trust for Historic Preservation oversees the HuntMorgan House, located in Gratz Park in downtown Lexington. The house, which is open for tours

throughout the week, features Civil War-era pieces. John Wesley Hunt and Confederate General John Hunt Morgan, both powerful and important figures not only in the landscape of antebellum Lexington but in the South as a whole, are the titular figures behind the Hunt-Morgan House. www.bluegrasstrust.org/huntmorgan.html.

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and Their Families by Carolyn Kenton, Managing Partner, Bluegrass Elderlaw

In a historic building adjacent to Cheapside in downtown Lexington, a group of women are making a difference in the lives of seniors and their families. Bluegrass Elderlaw is comprised of two partner attorneys, two associate attorneys, and three support staff. Carolyn L. Kenton founded Bluegrass Elderlaw in 2011. Before creating the firm, Carolyn had practiced by herself almost 20 years in an office sharing arrangement with her husband’s former law partners. Carolyn was married to William G. Kenton, Jr. who served as speaker of the Kentucky General Assembly. Speaker Kenton led an illustrious career as both a statesman and an attorney. After Speaker Kenton’s death, Carolyn ran for and won her husband’s former seat in the General Assembly. Her life changed dramatically and so, while raising two children on her own, she took her turn at being a stateswoman and attorney.

What we do in our elder law practice is help families learn the new rules they have to observe and help them plan to use those rules to their best advantage.

Carolyn formed Bluegrass Elderlaw, in part, because her practice was naturally evolving to handle the needs of seniors. Carolyn stated that her practice was gearing more heavily in the direction of end of life and Medicaid planning issues. “I could ATTORNEYS-AT-LAW also see that the aging baby boomer demographics would favor a Call Today: 859-281-0048 practice more specifically directed towards an aging population’s 120 North Mill St., Suite 201 www.bgelderlaw.com needs,” said Kenton. 120 N. Mill St., KY Ste. 201 Lexington, 40507 While Carolyn took a leap of faith in staring the new firm, she Lexington, KY 281-0048 40507 (859) realized that she must “practice what she preached” in regards www.bgelderlaw.com  Asset Preservation Carolynbegan L. Kenton - Mary Ellis Pattonattorneys - Amy E. Dougherty to future planning. Carolyn to look for younger  Estate Planning, Wills and to work with her in order to provide continuous uninterrupted Take Control of Your Future! Trusts OF PRACTICE AREAS service for clients and Our their families.  Medicaid Planning and Crisis dedicated, multi-generational, and experienced team of Estate Planning Planning families address the planning implementation Carolyn soon addedattorneys Amy E.helps Dougherty to the firm inand 2012. Veterans’ Benefits  Powers of AttorneyPlanning issues of becoming elderly, dealing with disability, and handling Amy and Carolyn had death beentransfers. classmates in law school. Amy has  Guardianship Guardianship been a traditional student and Carolyn a no-traditional student.  Medicaid Applications When planning for your future and the future of your loved ones, you Probate and Estate Planning Amy had previously worked for the Kentucky Public Service deserve peace of mind throughout the process. At the law office of  Special Needs Trusts and Planning Bluegrass Elderlaw PLLC we listen carefully to your objectives, clearly Commission and for Legal Aid of the Bluegrass. While at Legal ATTORNEYS and thoroughly explain the options to best achieve your goals, and equip you to approach your future with confidence.

MANAGING PARTNER

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PARTNER

Carolyn L. Kenton

attorney. Katherine had recently received her L.L.M. (legal masters) in Estate Planning and Elder Law. Katherine brought with her a wealth of knowledge on a wide-range of topics. While the firm is not all female by design, Carolyn and her team of women have created a collegial workplace where clients come first. The firm uses a holistic approach in working with clients. The attorneys utilize the expertise of the entire team to find the best method to facilitate clients’ needs. The attorneys do not compete with one another but provide one another with support and feedback. Carolyn’s idea to focus on their seniors and family has evolved more than she had expected. (continued on next page)

Amy E. Dougherty SR. ASSOCIATE ATTORNEY

attorney experienced and licensed in Kentucky and Ohio with a range of abilities in probate, will contests, guardianship, adoption, and trusts, joined the staff. The office grew again with a second assistant, Pamela Light, who had been in banking plus had personal experience with some of the issues in the practice. Pamela became the firm’s Medicaid application specialist. Soon thereafter, Lydia Sallade’ was brought in as a legal assistant; Lydia brought experience from her previous jobs working in law and geriatric healthcare. Lydia has become a vital component in the firm’s probate and guardianship practices. Finally, Katherine Finnell, a sole practice elder law attorney, joined the firm as an associate

Mary Ellis Patton ASSOCIATE ATTORNEY

Aid, Amy had handled elder law and nursing home issues. Amy and Carolyn had a shared passion to assist the elderly navigate the legal system and helping them meet their estate planning goals. It was an ideal fit for both of them. Carolyn and Amy filled their new office with a staff of highly qualified and talented individuals all having experience adding to the first rate quality of the firm. Carol Weleski, an experienced customer service specialist was the first addition to the office. If you call their office today, you are likely to speak with her on the phone. Carol is described by her officemates as friendly, kind, and thoughtful. Soon, the office had a need for an additional attorney, Mary Ellis Patton, a younger

Katherine E. Finnell

Bluegrass Elderlaw was been a dream in the making and the women could not be more proud of the firm and the successes they have made for their clients. Why should a family look to an elder law firm to assist them? The attorneys at Bluegrass Elderlaw say that most people do not know what “elder law” is. In the past twenty-five years families have been faced with waves of changes that have effected their economic and healthcare well-being. Bluegrass Elderlaw helps families plan for the future by taking into consideration new and changing laws and regulations. Client education is key. The attorneys stress that part of the planning process is educating the client about laws, rules, and agency regulations that could affect their planning strategies. With longer life expectancy and the mental decline associated with that, the greatest risk to a family’s wealth in no longer taxes, but the cost of end of life care. Bluegrass Elderlaw helps families plan for the cost of care in conjunction with the many rules and regulations that will apply. Medicaid rules, estate planning rules and family law rules are not the same or even compatible in many cases.

Carolyn finds that it takes talent and grace to age well and advises clients that they need to be prepared. Carolyn advises seniors to (1) have in place the documents your family will need to assist you – powers of attorney, both medical and legal, and a will, and (2)be flexible and accept change as gracefully as possible. We listen carefully to your estate planning goals, clearly and thoroughly explain your options to best achieve your goals and equip you to approach your future with confidence.

Carolyn says, “The best part of the practice is getting to know a wide range of people who have had interesting and sometimes fascinating life experiences. Our reward is being able to assist these families through what is often a difficult transition.” Both of us having a shared passion to assist the elderly navigate the legal system and helping them meet their estate planning goals. It was an ideal fit for both of us. We filled our new office with a staff of highly qualified and talented individuals

all having experience adding to the first rate quality of our firm. Our first assistant was an experienced customer service specialist, Carol Weleski. Our first associate, Mary Ellis Patton, was experienced and licensed in Kentucky and Ohio with a range of abilities in probate, will contests, guardianship, adoption, and trusts. Our second assistant and Medicaid application specialist, Pamela Light, had personal, family experience with some of the issues in our practice. Our third assistant, Lydia Sallade’ brought experience from her previous jobs working in law and geriatric healthcare. Our last associate, Katherine Finnell was a sole practice elder law attorney with an advanced degree in the subject, looking for a more structured environment. While the firm is not all female by design, we find that we have created a collegial workplace where clients come first. The firm uses a holistic approach in working with our clients. Our attorneys utilize the expertise of the entire team to find the best method to facilitate our clients’ needs. Bluegrass Elderlaw has been a dream in the making and I could not be more proud of the firm and the successes we have made for our clients.

September/October 2017

FAMILY VISION

Put an Eye Exam on Your Back-toSchool To-Do List by Dr. Rick Graebe, Family Eyecare Associates and Vision Therapy

The American Optometric Association recommends preschool children receive a complete vision exam at the ages of 6 months, 3 years and 5 years. It is particularly important a child have a complete evaluation in the summer prior to entry into kindergarten. Kentucky was the first state to make a law that says you have to

While you may expect your eye doctor to have your child or grandchild read letters off a Snellen eye chart, at Family Eyecare Associates, there is much more to an eye exam than that.

have an exam by a optometrist or ophthalmologist the first time you enter Kentucky public schools. The main thing is to make sure children are seeing the black/whiteboard. About 85 percent of what your child will learn in class will be taught through visual systems, so you want to be sure his or her eyes are in prime condition. While you may expect your eye doctor to have your child or grandchild read letters off a Snellen eye chart, at Family Eyecare Associates, there is

much more to an eye exam than that. One factor the doctor will look at is how well the child’s eyes work together. The eyes need to aim, move and work in coordination. Some children learn to do this properly while others do not. Weaknesses in binocular (two-eyed) vision and eye-teaming skills can cause numerous learning difficulties. A major eye problem in children is amblyopia or lazy eye. With amblyopia, the brain has learned to prefer one eye over the other. If one eye sees clearly and the other sees a blur, the brain will suppress the eye with the blur. The brain figures out the world makes more sense if it doesn’t pay too much attention to the weaker eye. To a child, this seems normal; he doesn’t know he isn’t seeing properly. Unknowingly suppressing the weak eye keeps it from reaching its potential – and the child, too. In early childhood, amblyopia is not too problematic, but when the child goes to school, it makes learning more difficult. When the two eyes don’t work together, the child can’t make the step up to higherlevel activities. Being able to properly use both eyes will help children as they transition from “learning to read” to “reading to learn.” A comprehensive eye exam will uncover the problem and give the eye doctor options to suggest for treatment. These options include eyeglasses, eye drops or a patch.

Prepare your child / grandchild for what to expect at the doctor’s office. Generally, eye exams don’t hurt and there are no shots. The optometrist will shine a light in the child’s eyes and the instruments may be unfamiliar, but there isn’t anything to be afraid of. Let your child / grandchild know the eye exam is going to help him see better and do better in school. Vision is without question our lead sense. It is the primary input for learning throughout our whole lives. Because vision is learned, it can also be relearned. Children need to get off to a good start so they can be lifelong learners. They need to learn good focusing and pointing skills. Get your child’s eyes examined early so she’ll have a solid, balanced foundation for vision and learning. ABOUT THE AUTHOR:

Dr. Graebe received both his B.S degree in Visual Science and Doctorate of Optometry from Indiana University. He is a Behavioral Optometrist and learning expert. He has been in private practice here in the Bluegrass area for the past 32 years.

Family Eyecare Associates 105 Crossfield Drive, Versailles, KY 40383 859.879.3665 | www.myfamilyvision.com www.kentuckyvisiontherapy.com

SEPTEMBER/OCTOBER 2017

Events Calendar SEPTEMBER

Classes may include chair yoga, restorative, yin yoga, tai chi, and more. Perfect for beginners as well as experienced yogis! Donations-based class.

Community Flow

OCTOBER

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Fri

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2 9 16 23 30

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4 11 18 25

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6 13 20 27

7 14 21 28

2 9 16 23 30

3 10 17 24 31

4 11 18 25

5 12 19 26

Send us your event listings

List your event for FREE if it’s free to the public*. E-mail your event information to brian@rockpointpublishing.com (*$35 fee for events that are not free to the public)

Ongoing

Yoga Health & Therapy Center Classes Our Yoga Classes feature slow stretch with gentle breathing, and relaxation techniques. Class size is small, to provide careful instruction. Yoga classes are offered Mon through Thurs (daytime and evening), and Sat mornings. Our Meditation Starter Course teaches simple ways to focus and quiet the mind; 5-week sessions are offered on Sundays at 5:30 pm. A nonprofit organization operating since 1981, The Yoga Health & Therapy Center is located at 322 W. 2nd St. Free private parking is provided for most classes. For more information on fees and scheduled dates and times, call us at 859-254-9529, or email us at info@yogahealthcenter.org

Free Activities for Seniors at the Charles Young Center

Senior Programs Open MWF from 9-1pm, free activities for seniors including, Bodies in Balance (Fall prevention/fitness classes), Line Dancing, Indoor Pickleball, Technology 101 and other social, educational and recreational activities. Contact Katherine at 859-2460281 or kdailey@lexingtonky.gov

Community Yoga Class with Lauren Higdon

Every Tuesday 10:30am– 11:30am at Centered Studio, 309 N. Ashland Ave. Suite 180 in Lexington. This weekly restorative class integrates gentle yoga, breathing techniques, meditation and wellness tips for all ages and levels of physical condition.

This weekly (Tuesdays) restorative class integrates gentle yoga, breathing techniques, meditation and wellness tips for all ages and levels of physical condition. 10:30am–11:30am. Donation only (great portion of all donations go to the Backpack Food Program at Ashland Elementary.) Inspiring, Educating & Supporting our World through the Moving, Visual & Healing Arts! Daily classes, therapies, workshops & a great spot to host your next event! 309 N Ashland Ave Ste.180, Lexington, KY 40502. 859-721-1841. www.centeredlex.com.

Lupus Support Group

Living & Coping with Lupus: meets 1st Tuesday of every month at Imani Baptist Church, 1555 Georgetown Road, Lexington from 7:00pm–8:30pm. The Lupus Foundation of America support groups are intended to provide a warm and caring environment where people with lupus, their family members, caregivers and loved ones can share experiences, methods of coping and insights into living with chronic illness. www.lupusmidsouth.org 877-865-8787.

MELT Method Hand, Foot and Body Healing

Class by Shayne Wigglesworth. Mondays and Wednesdays at 12pm - Discover painfree living at any age! Enjoy

a gentle foam roller class to reduce pain, inflammation, stress, anxiety and more! MELT Method certified instructor Shayne Wigglesworth will teach you healing techniques you can use for self care at home. All materials and rollers are provided. Perfect for all ages, body types and experience levels. Learn more – call/online: www.centeredlex.com 859-721-1841

Lexington Area Parkinson’s Support Group Free daytime and evening discussion groups for people with PD and their care partners. Daytime meetings held the 4th Monday of each month at noon. Evening meetings held on 1stWednesday of each month at 6:00 pm. Both group meetings held at Crestwood Christian Church, 1882 Bellefonte Drive, Lexington, KY. For more details contact Elaine at 859-277-1040 or by email info@parkinsonslexington.com. Please visit our website atwww. parkinsonslexington.com to get more details about these meetings and other free events held by LAPSG.

Free Class: ‘How to Stay Young’ Triple Crown Chiropractic and Wellness offers a free class twice a week explaining how to keep your body young through chiropractic care. Free spinal screening available for anyone who attends the class. To register for the class, please call 859-335-0419. Questions to pr.triplecrownchiro@gmail. com. Triple Crown Chiropractic and Wellness: 1795 Alysheba

SEPTEMBER/OCTOBER 2017

Way #4103 Lexington, KY. Free gift from the office to those who attend the class!

Saturdays

Lexington Farmer’s Market

Every Saturday at Cheapside Park visit the Lexington Farmers’ Market! You can purchase herbs and spices, honey, beeswax, candles, body care products, organic products, eggs, meats and fresh, seasonal produce. 7am-2pm.

Aug. 1–Nov. 30 Official Keeneland Tour

Let an experienced guide take you on a walking tour of Keeneland Race Course. Explore the paddock and grandstand while enjoying the morning workouts. Rain or shine. Wear appropriate shoes for walking and climbing stairs. Children 12 and under free. Advance ticket purchase online suggested as tours limited to 30 people. Not available on major holidays or Saturdays during October. Admission $8 or $15. Tours every Tuesday, Thursday, Friday, Saturday. 4201 Versailles Road, Lexington. Call 859-254-3412 or visit www.keeneland.com/ discover/tours.

September 9

Craft and Vendor Show

Browse jewelry, cosmetics, home décor, unique gifts and more from 10am–3pm at Hartland Hills, 1005 Tanbark, Lexington, KY. Craft and vendor show is open to the public.

September 9 Superhero Run

Presented by Aetna, the 5K run (for all) starts at 9:00am at the Kentucky Horse Park. 1K (for kids) starts at 8:30am. Festival and prizes to follow. Support CASA of Lexington, which works to ensure that all victims of child abuse and neglect are given a chance to thrive in a safe, permanent home. www.lexingtoncasa. com/2017superherorun for info or to register.

September 16

A Day of MindfulnessBased Stress Reduction for Body, Mind and Heart Saturday September 16th from

9AM-4PM. The goals of this retreat-like workshop are to: Promote resilience, positive psychology and emotional intelligence, prevent burnout from work and caretaker stress, help you mobilize your own inner resources for healing, learn safe and effective mind-body skills for managing stressrelated chronic conditions, and relax the body, quiet the mind and open the heart. Facilitator: John A. Patterson MD, MSPH, FAAFP. Cost $45-75 sliding scale (Further discounted for UK employees). Location Mind Body Studio 517 Southland Drive Lexington. Full details at http://www.mindbodystudio. org/?page_id=1020. Preregistration required by calling 859-373-0033 and emailing john@mindbodystudio.org

KY. Craft and vendor show is open to the public.

September 25

5k for the 5 Senses

Health Chats about Diabetes

10 – 11 am, The Refuge Clinic, 2349 Richmond Road Suite 220, Lexington. Free. Join us to discuss tips to manage and control diabetes in practical ways. For more information, call 288-2446. Sponsored by the Lexington-Fayette Co. Health Department.

September 26

October 3

Tea Tuesday at Waveland

Looking for something fun, unique and different to do with a friend or a group? Waveland State Historic site is serving tea every Tuesday! Tea is served at 2 p.m. in the mansion on fine china. All tea’s include a program, savory food, not to mention the delicious tea served by period dressed interpreters. Once you are finished with the tea enjoy a tour of the Waveland Mansion. Reservations are required. Call today to schedule your tea at Waveland! 859-2723611. $30/person.

October 7

Join us for the inaugural VIPS 5K For The 5 Senses on Saturday, October 7, 2017 at 9am at The Club at UK’s Spindletop Hall. This unique family friendly event will invigorate all of your senses as you run or walk throughout the beautiful grounds of Spindletop Hall and the Legacy Trail. Sight, hearing,

smell, taste and touch....your senses will come alive as you help to support a great cause! Plan to stay and join us for the Sensory Scavenger Hunt, where kids up to age 12 can use their senses to find goodies of all sorts! $5–$30. Registration ends October 5. Visit runsignup.com for details.

October 21

Craft and Vendor Show

Browse jewelry, cosmetics, home décor, unique gifts and more from 11am–3pm at Morning Pointe, 150 Shoreside Drive, Lexington, KY. Craft and vendor show is open to the public.

October 28

Craft and Vendor Show

Browse jewelry, cosmetics, home décor, unique gifts and more from 10am–3pm at Liberty Ridge, 701 Liberty Ridge Lane, Lexington, KY. Craft and vendor show is open to the public.

Home Care by Seniors for Seniors

Fayette Co. Diabetes Coalition meeting

1:00-2:00 Lucky’s Market Community Room, 1030 S Broadway, Lexington, KY 40504. Open to anyone concerned about diabetes and interested in making an impact in our community. Check out Fayette County Diabetes Coalition on Facebook or call 859-288-2347.

September 28 Essential Oils 101

Free informational class on the use and wellness benefits of essential oils and essential oil infused products. Location: Family Eyecare Associates, 105 Crossfield Drive, Versailles, KY Thursday, September 28 from 6pm - 7:30pm.

September 30 Craft and Vendor Show

Browse jewelry, cosmetics, home décor, unique gifts and more from 11am–3pm at Bridgepointe at Ashgrove, 5220 Grey Oak Lane, Nicholasville,

There’s a huge difference in the kind of home care you can receive from someone who really understands what your life is like as a senior. Your concerns and need for independence. Someone who like you, has a little living under his or her belt. Our caring, compassionate seniors are there to help. We offer the services you need to stay in your own home, living independently. • Companionship • Light Housekeeping

• Meal Preparation • Transportation . . . and more!

KY 500239

Like getting a little help from your friends® Call us today! If you are interested in becoming a service Provider we would like to hear from you too.

(859) 408-1145

www.seniorshelpingseniors.com/lexington ©2016 Seniors Helping Seniors. Each office is independently owned and operated. All trademarks are registered trademarks of Corporate Mutual Resources Inc. Not all services are available in all areas.

SEPTEMBER/OCTOBER 2017

Senior Services DIRECTORY

Category Key

Does your business provide excellent senior services?

call us for a spot County Offices & Meal Programs in the directory 859.368.0778 Health Care Systems & Hospitals Transportation, Personal Shopping, Errands Senior Day Centers, Adult Day Centers & Respite Care In Home Care (Non-Medical)

In Home Medical Care Mental Health, Family & Caregiver Support, Advice Disability & Rehabilitation Medical Equipment, Supplies & Monitoring Systems Finances & Estate Planning, Trusts/Wills, Reverse Mortgage

About the Directory Living Well 60+ is striving to make your search for local senior services a bit easier. We know there are many companies available to assist seniors in central Kentucky â&#x20AC;&#x201C; so many that beginning a search to fit your need can seem like a daunting task. Thatâ&#x20AC;&#x2122;s why our directory features a collection of local companies and organizations who have a solid track record of providing exceptional assistance. We hope it becomes a useful starting point in your search for quality senior services.

Funeral Arrangement & Pre-Planning Legal Services Home Repair & Maintenance Skilled Nursing Facilities, Personal Care Homes, Long-Term Care Senior Independent Living & Retirement Housing Real Estate / Rent- Subsidized Housing For Independent Living Moving, Estate Sales, Downsizing Services Fitness, Healthy Eating & Healthy Living Healthcare, Medicare Help and Insurance Vision Care

SEPTEMBER/OCTOBER 2017

HEALTH CARE SYSTEMS & HOSPITALS

DISABILITY & REHABILITATION

Lexington Clinic

YMCA of Central Kentucky

1221 S. Broadway Lexington, KY 40504 859-258-4000

IN HOME CARE (NON-MEDICAL) Accessible Home Care 366 Waller Ave. Ste. 112 Lexington, KY 40504 859-313-5167 www.accessiblebluegrass.com

Assisting Hands 1795 Alysheba Way, Ste. 7105 Lexington, KY 40509 859-264-0646 www.assistinghands.com/lexington

Senior Helpers of the Bluegrass 3070 Harrodsburg Rd. Ste. 240 Lexington, KY 40503 859-296-2525 www.seniorhelpers.com/lexington

Seniors Helping Seniors Where seniors who want to help are matched w/ seniors looking for help

710 E. Main Street Lexington, KY 40502 859-408-1145 www.seniorshelpingseniors.com/ lexington

IN HOME MEDICAL CARE Medi-Calls 1055 Wellington Way #215 Lexington, KY 40513 859-422-4369

Saint Joseph Home Health 2464 Fortune Dr. Ste. 110 Lexington, KY 40509 859-277-5111 www.saintjosephanchomecare.com

239 E. High St. Lexington, KY 40502 859-254-9622 ymcaofcentralky.org

Drayer Physical Therapy Institute: Winchester Center 160 Pedro Way 859-745-2152 www.drayerpt.com

Drayer Physical Therapy Institute: Richmond Center 1054 Center Drive, Ste. 1 859-625-0600 www.drayerpt.com

Drayer Physical Therapy Institute: Lexington Perimeter Center 600 Perimeter Drive, Ste. 175 859-268-1201 www.drayerpt.com

Drayer Physical Therapy Institute: Lexington Beaumont Center 1010 Monarch Street, Ste. 150 859-219-0211 www.drayerpt.com

MEDICAL EQUIPMENT, SUPPLIES & MONITORING SYSTEMS Baptist Health Lifeline 859-260-6217 www.centralbap.com

FINANCES & ESTATE PLANNING, TRUSTS/ WILLS, REVERSE MORTGAGE Attorney Walter C. Cox, Jr & Assoc. LLC 2333 Alexandria Dr. 859-514-6033 www.waltercoxlaw.com info@waltercoxlaw.com

LEGAL SERVICES Bluegrass Elder Law 120 North Mill Street, Ste 300 859-281-0048 www.bgelderlaw.com

Rose Mary C. Brooks Place 200 Rose Mary Dr. Winchester, KY 40391 859-745-4904 www.brooksplace.org

The Lafayette 690 Mason Headley Rd. 859-278-9080 www.lafayettelexington.com

Ashland Terrace 475 S. Ashland Ave. Lexington, KY 40502 859-266-2581 www.ashlandterrace.org

Hometown Manor Assisted Living Community

Mountain Waterfalls

Georgetown, Lawrenceburg, Shelbyville 859-229-5914 www.hometownmanor.com

Award-Winning Water Features 859-684-0642 www.mountainwaterfalls.net

St Andrews Retirement Community

HOME REPAIR & MAINTENANCE

SENIOR INDEPENDENT LIVING & RETIREMENT HOUSING Mayfair Village 3310 Tates Creek Rd. Lexington, KY 40502 859-266-2129 www.mayfairseniors.com

Windsor Gardens of Georgetown Assisted Living 100 Windsor Path Georgetown, KY 40324 502-570-0540 marsha@goodworksunlimited.com

ARE YOU DISABLED? HAVE YOU APPLIED FOR SOCIAL SECURITY DISABILITY? ARE YOU CAUGHT UP IN RED TAPE?

300 Stocker Dr. 859-625-1400 www.standrewsplace.org

Hometown Manor Assisted Living Communities 2141 Executive Drive, Lexington (859) 317-8439 www.hometownmanor.com

Morning Pointe Senior Living Residences 233 Ruccio Way, Lexington 40503 859-554-0060 Lexington East Facility 150 Shoreside Dr., Lexington 859-721-0350 The Lantern (Alzheimer’s Care) 225 Ruccio Way, Lexington 40503 859-309-4867 www.morningpointe.com

An experienced Social Security Claims Advocate can help you:

• By assisting you in filing your initial application. • Filling out and filing your appeals. • Gather medical and other important information to submit to Social Security. • Contact your doctors to obtain a report of your medical condition. • By obtaining documents from your Social Security file and review them. • By presenting opening and closing statements at your hearing that will state how you meet the Social Security listing of being disabled.

For a FREE CONSULTATION of your claim call Patsy R. Hughes, Disability Claims Advocate,

1-859-263-7780.

NO FEE IS PAID UNLESS YOU WIN

MORE LISTINGS ON PAGE 21

APPOINTMENTS AVAILABLE WITH FPA PROVIDERS AT BOTH LOCATIONS

Family Practice Associates of Lexington, P.S.C.

HAMBURG OFFICE

1775 ALYSHEBA WAY SUITE 201

SPRINGS OFFICE

2040 HARRODSBURG ROAD, SUITE 300 CHECK US OUT ON THE WEB

fpalex.com

859.278.5007

September/October 2017

SERVICE DIRECTORY, CONTINUED FROM PAGE 19 REAL ESTATE / RENT-SUBSIDIZED HOUSING FOR INDEPENDENT LIVING

Well Fed Meals

Turf Town Properties, Inc.

HEALTHCARE, MEDICARE HELP & INSURANCE

124 Kentucky Ave. Lexington, KY 40502 859-268-4663 www.turftown.com

Briarwood Apartments 1349 Centre Parkway Lexington, KY 40517 859-272-3421 glickco.com

MOVING, ESTATE SALES, DOWNSIZING SERVICES Caring Transitions 1411 Delaware Ave. 859-543-9848 www.CTLex.net

Lexington Life Services 859-797-8157 lexingtonlifeservices.com

Hall’s Moving Service, Inc. SENIORS SAVE 5% 258 E. 2nd Street, Lexington 859-231-0428

FITNESS, HEALTHY EATING & HEALTHY LIVING Yoga Health & Therapy Center 322 West Second St. Lexington, KY 40507 859-254-9529 www.yogahealthcenter.org

1301 Winchester Rd. #17 Lexington, KY 40505 859-539-5863 www.wellfedmeals.com

Do You Have...

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VISION CARE Medical Vision 3288 Eagle View Ln. Suite 300 Lexington, KY 859-278-9486 www.medicalvision.com

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Date and T

SEPTEMBER/OCTOBER 2017

LIVING INDEPENDENTLY IS EVEN BETTER WHEN YOU HAVE A LITTLE HELP.

Living in a comfortable community with staff nearby to help you with the tasks of daily living can go a long way in reducing stress, leaving you time to live your retirement years in the best way possible – living it up. Schedule a tour of our community today.

SENIOR HEALTH & HOSPITALITY SERVICES!

2710 Man O’War Blvd. • Lexington, KY 40515 859-273-0088 • willowsatfritzfarm.com •

NOW OPEN!

SEPTEMBER/OCTOBER 2017

WE COULD WRITE ADS ALL DAY LONG, BUT JEAN SAYS IT BETTER THAN WE EVER COULD.

My personal care suite is like a small apartment. I can have more independence along with help if I need it. The staff is so pleasant and helpful, and we have a beautiful dining room where we get to enjoy delicious meals every day. We also have a lot of fun with various activities, and my family is included in events. It’s a big, happy family here at Cedar Ridge!” – Jean Roles, Cedar Ridge Personal Care Resident The Willows at Hamburg 859-543-0337 • 2531 Old Rosebud Road • Lexington, KY The Willows at Citation 859-277-0320 • 1376 Silver Springs Drive • Lexington, KY Cedar Ridge Health Campus 859-234-2702 • 1217 US Highway 62E • Cynthiana, KY The Willows at Harrodsburg 859-734-2953 • 464 Linden Avenue • Harrodsburg, KY trilogyhs.com •

PERSONAL CARE AND SO MUCH MORE

September/October 2017

Get Ready for Medicare Open Enrollment PRESENTATIONS SCHEDULED TO ANSWER QUESTIONS, GIVE INFORMATION by Angela S. Hoover, Staff Writer

Medicare open enrollment starts Oct. 15 and continues until Dec. 7 this year. This is when you can enroll in or change Medicare Advantage, Medicare Supplements or Prescription Drug Plans. Medicare is the federal health insurance program for people age 65 years or older, certain younger individuals with disabilities and people with end-stage renal disease (permanent kidney failure requiring dialysis or a transplant). Original Medicare, commonly known as straight Medicare, is the traditional fee-for-service program offered directly through the federal government. It is divided into Part A and Part B. Part A primarily covers inpatient hospital care, skilled nursing facility care and home health care. Part B is medical insurance that covers

physician care services, labs, tests and durable medical equipment. Once enrolled in Medicare, you receive these benefits automatically and do not pay premiums for them. The two parts can work together; however, coverage does not overlap. Part C Medicare, or Medicare Advantage (MA) Plans, are offered by private insurance companies as HMOs and PPOs covering original Medicare’s Parts A and B. MA Plans have lower premiums with copays. Part D Medicare covers prescription drugs. Part E was discontinued in 2011. Parts F and G are coverage gap plans known as Medicare Supplements to cover Part B excess charges – the difference between what a doctor or provider charges and the amount Medicare will pay. Part F is a very popular choice for baby boomers because it is the most comprehensive plan offered. Part F pays the Part A hospital deductible and coinsurance, the Part B

deductible and excess charges, the skilled nursing facility coinsurance and foreign travel emergency care. Supplements have higher premiums than MA Plans. Even those who have a private insurance plan without Medicare will want to review their coverage options during open enrollment if they’re eligible. “Probably more plans offer Medicare now more than ever,” said Pete Alberti of Kentucky Health Solutions. While private insurance plans – both on and off the Affordable Care Act Marketplace – can be hit or miss, since the ACA’s passage, Medicare has gotten much better and streamlined, Alberti says. Kentucky Health Solutions is a consulting company of independent agents representing more than 20 insurance providers. There is never a fee to clients for an individual consultation with up-to-date information on industry changes and national A-rated carriers.

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Kentucky Health Solutions hosts free educational talks on “Understanding Your Medicare Options.” The presentation is designed to help new beneficiaries and their caregivers have a better understanding of the Medicare program. “Even those who currently have Medicare coverage could benefit from this detailed overview,” Alberti said. The presentation details what Medicare covers and discusses supplemental Medicare Health plans, including Medicare Supplements, Medicare Advantage plans, and Part D prescription drug coverage. The sessions last an hour, including time for questions and answers. Kentucky Health Solutions will offer presentations during the Medicare open enrollment period on the following dates at these locations: • Sept. 25, 6 p.m., Beaumont Library • Sept. 26, 6 p.m., Eastside Library • Oct. 3, 11 a.m., Central Library • Oct. 5, 1 p.m., Senior Citizen Center of Lexington Call (859) 312-9646 to RSVP for a presentation or contact the library or senior center directly. If you are unable to attend one of the presentations but are interested in receiving more information about Medicare or you want help navigating all your health insurance needs, contact Kentucky Health Solutions or visit its Web site at www.kentuckyhealthsolutions.com.

September/October 2017

Legal Issues for Unmarried Seniors Living Together PROTECT YOUR ASSETS, UPDATE YOUR WILL by Harleena Singh, Staff Writer

The U.S. Census Bureau reports over the past decade the number of unmarried senior partners has increased by 70 percent. Seniors cohabit for many reasons. These include love and friendship, inheritance concerns and an anti-marriage attitude because of a previous unhappy marital experience. For many seniors, finances are the biggest issue precluding matrimony. Married people usually receive legal rights and protections and have certain obligations that unmarried people don’t get automatically. When it comes to issues such as hospital visitation,

inheritance, immigration, owning property, taxes, survivors’ benefits and Social Security, marital status matters. Seniors need to know how matrimony may affect pensions and Social Security. The Social Security Administration says you cannot receive survivor’s benefits if you remarry before the age of 60 unless the later marriage ends, whether by death, divorce or annulment. If you remarry after age 60 (50 if disabled), you can still collect benefits on your former spouse’s record. When you reach age 62 or older, you may get the retirement benefits of your new spouse. But if you were in a long-term marriage that ended in divorce and you are receiving alimony, you would most likely have to give it up when you remarry.

If you’re considering cohabitation as a senior, here are some tips: • Do not combine your assets. Keep your bank accounts and brokerage accounts, etc., separate. • Update your will. It should outline clearly what happens to your possessions when you die, including your house and its contents. • Sign a durable power of attorney that allows your partner or anyone you appoint to make financial decisions for you if you become incapacitated. • Consider taking out long-termcare insurance. • It may be better from both legal and practical perspectives to maintain two separate households.

• Ensure your estate planning is up to date and the interests of your children and grandchildren are protected. • Sign a cohabitation agreement with your partner. It can state your intentions not to marry or make any claims against each other. It can also specify the division of household expenses and what will happen to your house in case of death or breakup. Consult a lawyer for drawing up such an agreement. • Put your health care wishes in writing and discuss them with your children. If you are unmarried, you have no legal rights to participate in your partner’s health care decisions nor visit him or her at the hospital. To avoid such situations, you can sign a Health Insurance Portability and Accountability Act (HIPAA) medical release to allow each other access to your medical information. • Think about the tax consequences of gifts. Married couples can leave each other as much as they want without paying estate taxes, but unmarried couples cannot. Consult an estate planning attorney to find ways to limit estate taxes if you want to leave money to your partner. REFERENCES:

• Elder Law Answers (www.elderlawanswers.com) • Nolo (www.nolo.com) • Unmarried Equality (www.unmarried.org)

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September/October 2017

FUNERAL

Why Funerals and Life Celebrations Matter by Kim Wade, Community Relations Director, Milward Funeral Directors

Regardless of your age, there is a good chance that you have attended at least one or two funerals. For those people reading this article, there is a greater chance that you’ve possibly attended many more funerals than just two. Unfortunately, over the past year, I personally have attended more funerals than normal. With each funeral I attend, my belief that funerals are an important ritual to help the living acknowledge loss and begin the grief process grows even stronger. Funerals do matter. While it is understandable that people do not enjoy discussing or pre-arranging a funeral, I realize now, more than ever how necessary it is for the family of the deceased to have a funeral, life celebration or graveside service. First and foremost, before friends and family even arrive for the funeral service, the funeral ritual provides an opportunity for immediate family member to acknowledge the reality of death and say good bye to their loved one in a private setting. According to Alan D. Wolfelt, Ph.D. “Typically, we embrace this reality in two phases. First we

acknowledge the death with our minds; we are told that someone we loved has died and, intellectually at least, we understand the fact of the death. Over the course of the following days and weeks, and with the gentle understanding of those around us, we begin to acknowledge the reality of the death in our hearts.” Funerals are a public means of expressing our beliefs and feelings about the death of someone we love. Dr. Wolfelt states that “Funerals make a social statement that says, come support me. Whether they realize it or not, those who choose not to have a funeral are saying, Don’t come support me.” Additionally, funerals services allow us to bring together friends and family whose support and compassion give the grieving comfort and perspective. Dr. Wolfelt says by attending the funeral we are letting everyone else there know that they are not alone in their grief. While at the funeral, friends and family are able to physically demonstrate their support. When words are difficult to find, opportunities for people to embrace, to touch and to comfort each other help friends and family show their support to one another. With friends and family present, everyone who is experiencing grief finds comfort in sharing memories, tributes and appreciation for the

life of the deceased. The sharing of stories in a safe and supportive setting provides most people with hope and realization that life will go on and that it is okay to continue living. Regardless of your religious beliefs, funerals are also an expression of faith. Like living, dying is a natural and unavoidable process. The funeral allows family to more closely cope with death from a religious and spiritual perspective. Virtually everyone who comforts family and friends at a visitation and attends a funeral or life celebration experiences a profound sense of their importance and helpfulness. In attending funerals over the years, I have personally felt and noticed how this profound experi-

Funerals are a public means of expressing our beliefs and feelings about the death of someone we love.

ence ultimately aids in the grieving process. More than endings, funerals and life celebrations are bridges of transition. As time passes and grief subsides, we appreciate more fully the relationship that endures. We see that the words spoken and feelings experienced during the visitation and funeral help us reach a place of fond memory and deep appreciation for the person whose life is celebrated.

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SEPTEMBER/OCTOBER 2017

Health, Wellness and Longevity in Women Several factors affect women’s quality of life by Dr. Tom Miller, Staff Writer

Women who are maintaining healthy families serve as a litmus test for the economic strength of communities. Across her lifespan, a woman’s health status matters to herself, her family and to her community. While life expectancy is higher for women than men in most countries, a number of health and social factors combine to create a lower quality of life for women. Men dying sooner than women makes sense biologically: Because 105 males are born for every 100 females, it would ensure there are about the same number of men and women at reproductive ages. But even though women showed a longer life expectancy in almost every human society in the past decade, the size of the advantage varied greatly. For example, in the United States, male life expectancy was 73.4 years for males and 80.1 years for females, a difference of 6.7 years. In France the difference was 7.8 years and in the United Kingdom it was 5.3 years. The discrepancy was much greater in some countries, such as Russia (more than 12 years,) but in others, such

as India (0.6 years) or Bangladesh (0.1 years), it was much less. Women, more so than men, are attentive to their bodies and needs and often carry on deeper dialogues more easily with their doctors. Women may be better able to glean greater profit from modern medical and social advances by practicing activities that are healthier and better protect their bodies. In this context, women’s biological advantage appears relatively minor in the total mortality differences between the sexes. During the first year of life, in the absence of any outside influence that could differentiate mortality between the sexes, male mortality is 25 percent to 30 percent greater than female mortality. The genetic advantage of females is evident. When a mutation of one of the genes of the X chromosome occurs, females have a second X to compensate, whereas all genes of the unique X chromosome of males express themselves, even if they are deleterious. More generally, the genetic difference between the sexes is associated with better resistance to biological aging. Furthermore, female hormones and the role of women

in reproduction have been linked to greater longevity. Estrogen, for example, facilitates the elimination of bad cholesterol and thus may offer some protection against heart disease. Testosterone, on the other hand, has been linked to violence and risk taking. Finally, the female body makes reserves to accommodate the needs of pregnancy and breast feeding; this characteristic has been associated with a greater ability to cope with overeating and eliminating excess food. A woman’s wellness is directly tied to her ability to engage in economically productive activities, to garner more income and financial independence to increase household spending on nutrition, health and education, leading to stability and growth. Researchers for The 90+ Study at the University of California Irvine Institute for Memory Impairments and Neurological Disorders have been focusing on questions such as, “What kinds of things can people change in their lives to so they might live longer? What makes people live to age 90

and beyond? What types of food, activities or lifestyles are associated with living longer?” The researchers conclude both genetics and lifestyle play key roles in understanding the aging process. Sources and Resources

Bullain, S.S. and Corrada, M.M. Dementia in the oldest-old. Neurology Continuum 19 (2 Dementia): 457-469, 2013. PMID: 23558489. Grady, D. et al. DRD4 genotype predicts longevity in mouse and human. Journal of Neuroscience 33:286-291,2013. PMID: 23283341. Kawas, C.; Corrada, M.M. et al. The 90+ Study (2014). www. mind.uci.edu/research/90plusstudy/#sthash.ZkCKD0pl.dpuf Paganini-Hill, A.; Ducey, B.; and Hawk, M. Responders Versus Nonresponders in a Dementia Study of the Oldest Old: The 90+ Study. American Journal of Epidemiology. 2013 Apr 7. PMID: 23568592.

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September/October 2017

There’s More to a Power of Attorney Than You May Realize What are the different types of POAs? by Angela S. Hoover, Staff Writer

A power of attorney (POA) is a document that allows a person or organization to manage the affairs on behalf of another individual. Most people know at least this much about POAs, but not all POAs are created equally. They all appoint an attorney-in-fact – the person who will be making decisions on behalf of another – but each affords a different level of control. POAs are living documents that should be regularly updated, says Bluegrass Elderlaw senior associate attorney Mary Patton. It’s important to have the proper type of POA that includes all the stipulations required for each individual. Who needs to have a POA? The obvious examples are the elderly

and those with dementia. However, singles are advised to have a POA in place as well, especially if you live alone, have no close family and are scheduled for a major surgery; if you have been diagnosed with a serious medical condition; or if you have a business, even if you have no medical or economic concerns. Additionally, whether single or married, anyone with real assets who is leaving the country for a trip should have a POA. Obviously, not one type of POA would cover all individuals adequately. A general POA gives broad powers to a person or organization, known as an agent or attorneyin-fact, to act on another’s behalf. These powers can include handling finances and business transactions, buying life insurance, settling

claims, operating business interests, making gifts and employing professional help. A general POA works well for someone who is leaving the country and needs someone else to handle certain matters. It also works for people who are physically or mentally incapable of managing their affairs. A general POA is often included in an estate plan to make sure someone can handle financial matters. With a special POA, the powers an agent may exercise can be specified. These apply when a person cannot handle certain affairs due to other commitments or health reasons. Some specific powers outlined in a special POA include selling personal and real property, managing real estate, collecting debts and handling business transactions. A health care POA gives the agent authority to make medical decisions on another’s behalf if they are unconscious, mentally incompetent, etc. This is not the same as a living will, although many states allow health care POAs to include a DNR – do not

resuscitate. Some states allow individuals to combine parts of a health care POA and a living will into an advanced health care directive. A durable POA safeguards against unforeseen problems that may arise after someone already has a POA. Basically, it helps keep a POA valid in the event something changes drastically. A durable POA can be a general, special or health care POA that has a durability provision to keep the current POA (of any type) in effect. It is a good tool that can help in the event someone’s mental decline is too far for them to draw up another POA to accommodate new circumstances. In addition to durability clauses, more things need to be specified in today’s POAs, Patton says. For instance, some financial institutions want to be specifically named in a POA, as well as having liability and online and social media accounts included. Other details to consider include giving gifts, which covers things such as writing a check to a POA Continued on Page 30

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SPIRITUAL HEALTH By Dr. David Durst Many people feel like a vibrant spiritual life is out of reach. They aren’t even sure they want to reach for it. We hear friends talk about trusting God, having peace with God, even hearing from God. We have relatives whose lives are shaped in positive ways by their faith. Neighbors have confidence that they will live in a better world after this one. But, at least so far, what transforms others hasn’t convinced us. “Maybe,” we whisper, “God is for other people but just not for me. Perhaps God is like a square peg and I’m a round hole. We just aren’t made for each other.” Confession time: I used to try to reshape “round hole” people so they could be like me. I’ve stopped that. I have learned that people are as different on the inside as on the outside. What troubles us, drives us, what gives us healing and hope, even what separates us from God varies from person to person. I have found that a healthy spiritual life begins with understanding our own spiritual shape.

You Are Not a Round Hole; God Is Not a Square Peg I call the fifth the world of the Flattened, Here’s a quick intro to what I call the five because these people feel the weight of the spiritual worlds: world on their shoulders. They are not only The Foreigner feels isolated and marginalaware of their own problems, but carry concern ized. Intimacy with God and people is both for the serious challenges desperately wanted and difficult and pain of others. to achieve. It often becomes less I know people of every painful to give up on relationspiritual world who have ships and travel alone. greater joy than they ever I have found that Fighters are gripped by thought possible because injustice and are compelled to God has met them where a healthy spiritual help people and fix things. But they are. There is healing there are always more problems and hope for us all. life begins with than resources and the desire to make things right becomes About the Author understanding tainted with frustration over David Durst is the lead passociety’s indifference. tor at New Life Community our own spiritual The Faint feel like they are in Lexington, Kentucky, unseen. They have something instructor at Indiana shape. to offer, but wonder if they can Wesleyan University, and ever be whole unless and until author of Finding God in Your they do something significant. World and Could God Be for Me? Finding God in Your Fugitives have a clear sense of right and World can be found at: DavidMDurst.com, 5worlds. wrong and want to live right. When they fail, org, or your favorite book sellers. The author can be they feel guilty and hope to be forgiven and to contacted at 5worldwitness@gmail.com. make amends.

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SEPTEMBER/OCTOBER 2017

Memory Care Clinic Fills Need for Holistic Approach to Dementia Unique program helps patients and families by Angela S. Hoover, Staff Writer

Memory disorders are frightening and frustrating not only for the person suffering from them, but also their loved ones. Fortunately, Lexington has a unique program to help patients and their families and caregivers. More than five years ago, Greg Cooper, M.D., Ph.D., east regional president for Baptist Health Medical Group, saw the need for a more specialized, holistic, multidisciplinary approach for caring for people with dementia through his work that focused on memory issues. He created the Memory Care Clinic. As its director, he brought aboard

social worker Stephanie Freeman, MSSW, as Memory Care Program Coordinator to design collaborations with other departments within Baptist Health Medical Group as well as with community resources. Neurologist Stephanie Sheffield, M.D., Ph.D., and physician assistant Jessica Cain complete the clinic’s care staff. It’s incredible what a small staff of four can do to provide individualized diagnoses, treatment and ongoing care for the clinic’s patients. Working with each patient and their family and/or caregivers, the staff crafts a comprehensive, multidisciplinary approach that offers a variety of services to help

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each person live a more functional life. These services include family care coordination, home health services, outpatient rehabilitative services (speech, physical and occupational therapies) and access to the Baptist Health Lexington Lifeline, which offers 24/7 emergency response services. “What is unique about our neurology clinic is the multidisciplinary approach to diagnosis and treatment for memory disorders, as well as the care and support we are able to offer family caregivers,” said Freeman. “Within Baptist Health Lexington and our Memory Care Clinic, we offer many dementia-specific services as part of our treatment plan, including clinical trials and family support. This allows us to provide compassionate care for our patients with memory disorders and their loved ones.” New patients initially undergo an evaluation. Prior to the first appointment, the patient and his or her family and/or loved one(s) fill out a series of questionnaires covering medical history and current symptoms. There is no definitive diagnostic test for dementia, but blood tests can rule out other conditions such as tumors or metabolic issues. Often a thyroid problem or lack of B12 can mimic dementia. A CAT scan, MRI, EEG or spinal fluid test may be performed. Medications may be prescribed. For most memory disorders, such as mild cognitive impairment, Alzheimer’s disease and vascular dementia, cognitive enhancer medications called cholinesterase inhibitors (Aricept, Razadyne and Exelon) along with the medication Namenda are prescribed. If a memory or cognitive disorder is diagnosed, brief, focused followup visits to the clinic, usually every six months, will be scheduled. After assessing additional questionnaires and performing different exams,

medication adjustments and referrals to appropriate services will be given if needed. The individualized care plan may include consultation or ongoing care with one or more multidisciplinary services. Baptist Home Care Services offers home safety assessments, person-centered program development to maximize independence and function, conditionspecific education and information and social workers to provide care plan coordination with other support services as needed. Physical therapy with exercise programs are designed to improve mobility, balance and coordination so patients can continue performing their roles at home and in the community. Occupational therapy improves safety, judgment, behavioral issues and stress management. Education and support are critical parts of the treatment. Freeman coordinates community resources and services as appropriate for the patient, family and/or caregiver. Patients and their family and loved one(s) are referred to a number of educational opportunities throughout the community. “The main thing that sets us apart is we focus on support to the caregivers,” said Freeman. “That’s my job as a social worker, to help provide emotional support to the families.” Additionally, patients can choose to participate in clinical trials, either at the Memory Care Clinic or other centers. “We are lucky enough to be chosen to participate in Alzheimer’s disease research opportunities looking at disease-modifying therapies,” said Freeman. If you are interesting in making an appointment for yourself or a loved one with the Memory Care Clinic, call Baptist Health Medical Group Neurology at (859) 260-4330. Most major insurance policies, Medicare and Medicaid are accepted.

POA continued from Page 28

grandchild for a birthday, and Medicare/Medicaid planning. No-arbitration clauses can be helpful for nursing home litigation. Ultimately, a longer POA is better than a shorter one, Patton advises. Since POAs are ever-evolving, living documents – they’re no longer a one-time deal, Patton says – they should be reviewed every two years and rewritten every five years because laws change.

Hobbies: The Fun of Building a Model Railroad CHILDHOOD MEMORIES PROVIDE INSPIRATION by Dr. Tom Miller, Staff Writer

Model railroading is a wonderful journey through life. Since retiring, it has provided me an important ingredient in adjusting to these senior years. Specifically, it has given me the opportunity to utilize the talents Iâ&#x20AC;&#x2122;ve accumulated over a lifetime. Creating a miniature world makes scale-model railroading such a great hobby. Model railroaders find a thrill in studying the world of miniature. Even though a precision model of a locomotive is a work of art in its own right, building a model railroad that evokes a sense of time and place is the heart of this hobby. Many scale model railroaders recall their childhood, when a train set allowed them to travel through an imaginary world. As adults, they find they have the means and skills to bring that world to life.

My earliest recollection of railroads was when my dad returned home after World War II in 1946. My mother took me to a beautiful historic railroad terminal to meet him. I was awed by the huge brick structure with its high vaulted ceilings and rows of dark hardwood curved benches with high backs. My inspiration for modeling were the huge steam locomotives and remembering the steps up to the platforms where the trains would come into the terminal. I remember my dad in his Army uniform on that platform beside the train that brought him home. The engines and cars seemed so large and noisy. The following Christmas, there was a circle of track around the tree and a steam locomotive pulling a set of freights

cars, including a box car, log car and a caboose. It became my favorite toy. To this day, that original train set brings back to me many great memories of my childhood. Model railroading provides hobbyists an opportunity to be creative, so my layout changes with every new idea that comes to mind. My current layout reflects living in New York along the New York Central Railroad and the Erie Lackawanna Railroad in Northeastern Pennsylvania among the coal industry. Next I lived in Central Connecticut near the New Haven Railroad line and I finally settled in Kentucky among the Norfolk and Southern, Louisville and Paducah, Southern and R.J. Corman railroads. My layout highlights towns and villages

Building a model railroad that evokes a sense of time and place is the heart of this hobby.

along this journey, depicting both the coal mining and processing region of Northeastern Pennsylvania and the horse industry of Central Kentucky. In designing my layouts over the years, I became intrigued by the tunnels, mountains, streams and rivers that patterned the countryside. The freight and passenger cars are representative of the 1940s and 1960s with a few contemporary options, including some scratch-built models of flat cars, bulkhead pulpwood cars and other freight cars. The layout is wired for lighting and to give it a natural feel, Iâ&#x20AC;&#x2122;ve added the sounds of both steam locomotives and diesels, accompanied by hissing, whistles, bells ringing and the rumble of trains headed down the track of a lifetime hobby. ABOUT THE AUTHOR:

Dr. Tom Miller is the education manager for the Lexington Division #10 and the Mid Central Region of the National Model Railroad Association.

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