APRIL 2020 - ISSUE #23
Looking for a companion? Adopt a pet
Location, location, Location Finding a retirement destination
APRIL 2020 - ISSUE #23
PUBLISHER Hank Vander Veen GENERAL MANAGER Drew Savage ART DIRECTOR Harold L. George DESIGNER Sharon R. Hoffman SALES & MARKETING Chris Castro Corey Rogers Beth Flanagan
Melody Wann
Rich Matheson
Charles Webber
To advertise in the next Senior Living, call Manteca • 209.249.3500 Oakdale • 209.847.3021 Turlock • 209.634.9141 121 S. Center St., 2nd Floor • Turlock, CA 95380
©Copyright 2016. Senior Living All rights reserved. Reproduction in whole or in part of any text, photograph or illustration without written permission from the publisher of Senior Living is strictly prohibited. The opinions expressed in Senior Living are those of the authors and do not necessarily reflect the view of Senior Living management or owner. Senior Living assumes no responsibility and makes no recommendation for claims made by advertisers and shall not be liable for any damages incurred.
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C O N T E N T S HEALTH. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 LIVING WITH DISABILITY. . . . . . . . . . . . . . . . . . . 6 SCAM ALERT . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 FINANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 AT HOME . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 PREVENTION. . . . . . . . . . . . . . . . . . . . . . . . . . 11 PLACES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 COMPANIONSHIP. . . . . . . . . . . . . . . . . . . . . . 14
To our selfless staff caring for residents on the front lines, and to those serving our residents by staying home, we say THANK YOU.
• Independent Living • In-Home Care • Adult Day Services • Assisted Living • Memory Care • Rehabilitation and Skilled Nursing
209-599-4221 • bethanyripon.org • 930 W. Main Street, Ripon
Serving the community since 1979 General Dentistry Dr. Bonnie Morehead Dr. Ron Joseph Dr. Rudy Ciccareli
Dr. Daman Saini Dr. Harneet (Neeti) Saini Dr. Elizabeth Grecco
Oral & Maxillofacial Surgery Dr. Mark Grecco
Pediatric Dentistry Dr. Mohammad El Farra
Valley Oak Dental Group is a multi-specialty group practice committed to excellence. Our Pediatric Department provides a comfortable, caring atmosphere for your children. We provide the latest General Dentistry procedures in a state-of-the-art dental suite. Our Oral Surgery Department provides general anethesia and I.V. sedation in a safe, professional environment. Members of • California Dental Association • American Dental Association • San Joaquin P.P.A.
1507 W. Yosemite, Manteca • Between Airport and Union APRIL 2020 3
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THANK YOU, HEALTHCARE WORKERS Healthcare workers, we are grateful for all of your hard work, sacrifice and commitment to serving our community with compassionate care. We appreciate you and thank you.
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209 SENIOR LIVING | HEALTH
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Get a Wellness Check nnual wellness examinations are necessary at any age, but for senior citizens, they are even more essential.
A recent study by the John A. Hart Foundation found that only 7% of older adults received seven recommended services. If you have been avoiding the doctor, make this the year to commit to your health. Check out these standard screenings that the American Association of Retired Persons suggests are especially important for seniors. • Women should begin testing for bone density at 65; men, at age 70. • Mammograms should be performed until at least 75 years old before discussing further testing with your doctor. • Colon cancer screenings are generally recommended until the age of 75, when, if no issues persist, they may be discontinued. Find out about other benefits seniors gain from participating in wellness examinations.
EARLY DISCOVERY
Annual screenings are an efficient way to discover diseases and illnesses before they can spread or worsen. Simple assessments like blood tests and physicals can reveal potential issues so a practitioner can strategize how to alleviate the problem. Finding out about illnesses before they become significant is not only lifesaving but can cause less strain on
your budget. Preventative health measures will sometimes alleviate the need for expensive treatments that are required after diseases become challenging to manage.
REVIEW YOUR PRESCRIPTION PLAN
When dealing with chronic health problems or long-term conditions, you likely rely on medication to stabilize your illnesses. During a wellness exam, be honest with your doctor about any concerns you have about the prescriptions, especially adverse reactions. In some cases, medications don’t always agree with each other and may require a replacement or a different dosage.
VACCINE SCHEDULE
The United States Department of Health and Human Services urges adults 65 and older to commit to a vaccine schedule. As we age, our immune systems become weaker in defending against diseases. It’s essential to remain up to date on these vaccines to enhance your body’s defense. • Influenza inactivated: annual flu vaccine. • Tdap or Td: defends against tetanus. • Zoster recombinant: prevents shingles. APRIL 2020 5
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209 SENIOR LIVING | LIVING WITH DISABILITY
Living with Limited Mobility
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ccording to a recent United States Census Bureau report, nearly 40% of people ages 65 and older have at least one disability. Of the 15.7 million who live impaired, over two-thirds say they have difficulty walking or climbing.
Living with limited mobility is not only associated with physical challenges. The Public Library of Science suggests physical disabilities are linked to depressive systems. Evidence shows that disabled people are at least three times more likely to experience depression. If you are someone who struggles with getting around, try one of these exciting activities to boost your overall happiness.
JOIN A BOOK CLUB
Gather your peers in a social setting and choose books to read and discuss. The Open Education Database states that reading can improve brain function and add benefits to our minds. Joining or starting a book club can create mental exercises in a
social setting. Participation is an excellent way to meet new people in similar situations and build lifelong friendships. If you can’t find a local book club, a good place to begin organizing a meetup is reaching out to a public library in the neighborhood. Ask if they would be willing to advertise your vision to their clients and perhaps even allow you to host the meetings using their facility.
WATER AEROBICS
Don’t let limited mobility inhibit you from receiving the health benefits of exercise. Water aerobics can be a challenging workout that keeps your body in shape and improves flexibility and cardiovascular health, while improving your strength. APRIL 2020 6
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Of course, before beginning a new routine, it’s imperative to ask your doctor if this type of activity can benefit you or disrupt a current ailment. With the green light from your doctor, reach out to local pools or gyms to find out how to sign up for a class.
GET TO KNOW NATURE
While a disability may make hiking rigorous trails impossible, there are still many ways to enjoy the outdoors in wholesome ways. For instance, you can take up birdwatching by traveling to public parks or even in your backyard. Watch the wildlife in your area and research how to entice them onto your land with their favorite foods.
209 SENIOR LIVING | SCAM ALERT
Watch Out for Financial Scams Related to Virus On one hand, the coronavirus has brought out the best in us. People across the country are pitching in to help others, from providing protective masks to health care workers, holding video chats with confined residents of assisted living homes, to simply buying gift cards to support local businesses. On the other hand, a small number of bad actors are taking advantage of the situation to try to defraud people. How can you guard against these virus-related scams? For starters, be aware of three common scams connected to the coronavirus:
WEBSITES CLAIMING TO HELP AND TRACK THE PANDEMIC
Look out for websites that claim to help you work remotely or provide financial resources to the afflicted. These sites may try to trick you into giving up personal information, donate money or load malware onto your computer. Don›t
trust information technology (IT) «helpdesk» agents you don›t know. And check out any obscure organization claiming to help virus victims. To find reputable organizations, go to an online clearinghouse, such as charitynavigator. org, which rates thousands of groups on their financial health, accountability and transparency.
PRODUCTS CLAIMING TO PREVENT OR CURE THE DISEASE
When there›s a real treatment or vaccination for COVID-19, it will be big news, and you will hear about it. Until then, ignore any claims for pills, potions, prescriptions or other products that promise «miracle» cures. Not only will they waste your money, but, if you click on attachments from «phishing» emails advertising these fake treatments, you could end up supplying crooks with sensitive date, such as your online account logins, passwords, and credit
card and bank account details. You can find a great deal of health information on the virus at the Center of Disease Control website (www.cdc.gov), of course, but if you or your loved ones are feeling ill, please contact a physician.
“RISK-FREE” OR “GUARANTEED” INVESTMENTS
The coronavirus has caused two separate, but related, areas of stress. The first is the health concern, and the second is the financial/investment component. The enormous volatility of the financial markets has caused much concern among investors, and scammers are seizing the opportunity to offer «risk-free» or «guaranteed» investments «perfect» for this particular time. Again, responding to these types of offers bring you nothing but trouble. All investments carry risk of one type or another, and they typically don›t come with guarantees, although some do offer significant protection of principal. In these turbulent times, your best move is to stick with a long-term investment strategy based on your goals,
risk tolerance and time horizon. Most importantly, Inform your family members about the increased potential for scams. Our senior population are always the most susceptible to fraud, and now, when they may be more isolated than before, they may well be even more vulnerable. So, make sure you’re talking to your loved ones, and urge them not to make any sudden, out-of-the-ordinary financial moves. Even in normal times, it’s regrettable that we have to be on the alert for scam artists - and it’s even more unfortunate during a period of national crisis.
Finding solutions for your financial needs Sharon T Amick, Financial Advisor Edward D Jones
1144 South Main Street Manteca, CA 95337
209-824-1000
Toll Free: 1-800-677-4771 Fax: 1-888-651-5021
DISCOVER YOUR
NEW LIFESTYLE
Discover O’Connor Woods, a gated, resort-style community in northern San Joaquin Valley. Enjoy a lifestyle of choice, freedom and support with fresh farm-to-fork cuisine, a variety of wellness programs to help keep you connected and active, and a full continuum of services should your health needs change.
MANAGED BY ESKATON
We at O’Connor Woods wish you and your family well in these uncertain times. Please call 209-956-3400 to discover how you can take a virtual tour. Continuing Care Retirement Community: Independent Living with Services, Assisted Living, Memory Care and Skilled Nursing 3400 Wagner Heights Rd. Stockton, CA 95209
2019
oconnorwoods.org
RCFE #390314809 COA #283
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209 SENIOR LIVING | FINANCE
What Should Retirees Consider Doing in a Down Market? The health aspect of the coronavirus affects everyone – we’re all concerned about our wellbeing and those of our loved ones and communities. However, the economic impact may vary among different age groups – and if you’re retired or about to retire, you might have some special concerns about starting to draw income from your investments when the financial markets are down. What moves should you consider making? Here are a few suggestions:
REVIEW YOUR STRATEGY
(AND AVOID MAKING MAJOR CHANGES)
During a market downturn, you might be tempted to “do something” – and for many people, that “something” is selling stocks to cut their losses. But this is more of an emotional response than a logical one, because your stocks are longterm investments, and by selling them when they’re down, you’re basically locking in your losses. Instead, try to address your current income needs by the cash, cash equivalents and short-term fixed-income investments in your portfolio, along with other sources, such as Social Security, dividends and interest, and even your pension, if you have one.
REVIEW YOUR WITHDRAWAL RATE
When you retire, you need to determine how much you can withdraw each year from your retirement accounts, such as your IRA and 401(k), without running the risk of outliving your money. Before the market downturn, you might have established an appropriate withdrawal rate for your needs. Suppose, for example, this rate was 4%. However, given the recent fluctuations in the markets, your portfolio’s value may have declined, meaning your withdrawals may be higher as a percentage of your portfolio. Therefore, you might consider adjusting your withdrawal rate downward, or, as an alternative, look for ways to cut down on your
spending in the short term. With the stay-athome measures being undertaken across the country, you may already have cut down spending in areas such as traveling, entertainment and dining out, so you may only have to make a few adjustments.
REVIEW YOUR RELIANCE RATE Your reliance rate is how much you rely on your investment portfolio for your income needs. For example, if you need $60,000 in income each year and you’re getting $40,000 of that from your portfolio, your reliance rate is 66%. The higher your reliance rate, the more sensitive you may be to fluctuations in investment prices. If your risk tolerance has been greatly tested by the recent downturn and you don’t have much flexibility with your expenses, you might look for ways of lowering your reliance rate, such as certain annuities, which can provide a guaranteed lifetime income regardless of what’s happing in the financial markets. You may want to consult with a financial professional to discuss the above suggestions and determine what other moves you might need to make. As a retiree, or near-retiree, it can be unsettling to start tapping into your resources when the financial markets are so turbulent. But if you’ve prepared or you’re willing to explore new courses of action, you can move into your golden years without getting unduly tarnished.
A community of professionals dedicated to helping you and the ones you love.
Finding solutions for your financial needs Sharon T Amick, Financial Advisor Edward D Jones
1144 South Main Street Manteca, CA 95337
209.846.9488 | www.sevahospice.com
209-824-1000
Toll Free: 1-800-677-4771 Fax: 1-888-651-5021
locally owned & operated
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‘‘They were wonderful.’’ We hear kind words consistently. We’re proud that people feel comfortable enough to openly tell us how much they appreciate what we did for them. In fact, it’s this appreciation that drives us to offer the very best in comfort, compassion and service.
Thank you Turlock for choosing us! 247 N. Broadway • Turlock 634-5829 www.allenmortuary.com
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209 SENIOR LIVING | AT HOME
Analyze your Home for Safety
W Assess your property and repair or install components to enhance your safety. If you plan to hire a contractor to repair failing elements or install new, helpful items, it’s crucial to do your research. Ask your peers for references regarding services they have used and check reviews to ensure you choose a reputable company. The National Association of Area Agencies on Aging urges senior citizens to be cautious of home improvement scams. Here are a few factors the organization recommends to protect yourself from contractors with fraudulent intentions. • Obtain quotes from several vendors to identify price gouging. • Avoid paying in cash, as methods like checks or credit cards help keep a record of payment. • Ensure that a repair person is properly licensed per state requirements.
hile embracing your senior years, it’s imperative to ensure your home is safe both inside and out.
Once you choose a reliable contractor, consider boosting safety measures in these areas of your home.
LIMIT FALL RISK According to the U.S. Centers for Disease Control and Prevention, one in four senior citizens falls each year. Annually, a fall results in more than 2.8 million injuries that must be treated in the emergency room. In 2015, fall injuries racked up $50 billion in costs, and are expected to increase to $67.7 billion by 2020. Limit your risks of this happening to you by ensuring your home is free of obstructions. Ensure walkways are clear in hallways, sidewalks and rooms you frequent. It’s also beneficial to install grab bars near the bathtub and toilet. APRIL 2020 10
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INCREASE VISIBILITY Another way to increase safety in the home is to improve visibility. Consider installing motion-sensor lighting outside and as interior night lights to ensure your rooms are well-lit during nighttime hours. Talk to an expert about upgrading light fixtures to LED. You may be eligible for tax rebates from energy-conserving agencies.
FIRE HAZARDS Older adults account for 40 percent of all fire deaths, according to the United States Fire Administration. The organization recommends you install smoke detectors on every level of the home and outside every sleeping area. Today, you can find smart devices that connect to ensure all alarms activate once smoke is detected.
209 SENIOR LIVING | PREVENTION
Prevent Memory Loss
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hile we can’t slow down the aging process, there are ways to protect one of our body’s most valuable assets — the memory.
The National Center for Biotechnology Information reports that about 40% of people ages 65 and older in the United States have age-associated memory impairment. For a perspective on why it’s important to address memory loss issues as soon as they are noticed, the organization shows startling statistics about the people who are suffering. Of the 40% with memory impairment: • One percent will progress into dementia each year. • Ten percent are diagnosed with mild cognitive impairment. • Nearly 15 percent will develop Alzheimer’s disease annually. In addition to a strategy set forth by your doctor, use these tips from the Harvard Medical School to help preserve and improve your memory as you age.
ACTIVE LEARNING
Task your mind by performing mental exercises by participating in new hobbies, learning different languages and reading books of differing genres. While at work, volunteer for projects or roles that involve skills you aren’t entirely familiar with. Keep your brain active by partaking in challenging activities that enable you to learn new abilities.
PROTECT OVERALL HEALTH
It will be difficult to improve your memory if your body is suffering from untreated diseases or illnesses. Many issues associated with aging can have detrimental effects on your cognitive ability like: • Diabetes: Surges in blood sugar have been shown to harm memory
by reducing blood supply to the brain; • Blood pressure: Memory lapses are commonly caused by the reduced blood supply to the brain; and • Depression: Cognitive problems are a common symptom of depression.
ST. JUDE CARE CENTER Nursing & Rehabilitation Center
“Care with Dignity”
MEMORY COURSES
Under the supervision of a medical expert, partake in memory-improvement courses. A good practice is to avoid classes that focus on computer or concentration games, as real-life situations can be dramatically different. Talk to your doctor about finding a course that enhances your ability to manage everyday challenges.
DON’T OVERDO IT
When using repetition as a mental exercise, it’s essential to space out your lessons over time. If you try to rush and cram memory practices into a short period, it’s common for the brain to have difficulty studying. Harvard suggests that research shows spaced rehearsal improves recall in both healthy people and those who struggle with cognitive problems. APRIL 2020 11
• Physical, Occupational, and Speech Therapy • Skilled Nursing Services • Secure Memory Care Unit 5 out of 5 Stars Rated Centers for Medicare and Medicaid Services
Call and schedule a tour Today! 209-823-1788 469 E. North St., Manteca, CA 95336 • stjudecarecenter.com SENIORLIVING
209 SENIOR LIVING | PLACES
Find a Retirement Destination
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f 2020 is the year that you open the door to an adventure in retirement, the ideal destination is waiting.
Have you considered where you want to live during your new journey? Consider one of the most attractive retirement regions, as suggested by the American Association of Retired Persons.
ASHEVILLE, N.C. Find your paradise in this beautiful town set in the serene Blue Ridge Mountains. If you’re an architect enthusiast, you will be stunned by intricate views of early 20th-century designs. The region is also an outstanding option for those retreating from winter weather as it typically hosts comfortable temperatures
throughout the year. When searching for entertainment, Asheville is home to numerous art facilities and niche museums celebrating pinball machines, science centers and the historic Biltmore Estate.
GRAND JUNCTION, COLO.
This relatively small town in Colorado is an excellent retreat for those who want to avoid the busy urban lifestyle in Denver. Grand Junction has a population of just over 58,000 and rests between two popular locations in the state. Residents enjoy the incredible views of the Colorado National Monument to their west and the Grand Mesa just to the east. With over 300 lakes and 3.5 million acres of public land, there is always something new to see when visiting the Grand Mesa. This location is also a mecca APRIL 2020 12
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for golf, wineries, hiking, fishing and skiing. It’s an excellent area for active seniors seeking a place to spend their retirement.
SARASOTA, FLA. Sarasota is home to one of the best beaches in the United States. Siesta Beach landed the number two spot on the TripAdvisor Travelers’ Choice Awards in 2018. People find relaxation surrounding the crystalclear water, white sand and incredible social setting. If the water isn’t enough, residents also enjoy vast miles of hiking trails, campgrounds and dozens of public or private golf courses. For indoor entertainment, the area is home to its own opera house, ballet company, symphony and numerous theaters in the downtown region.
Make the most of every day! Experience Astoria. Beyond daily care, we’re all about helping people do what really matters: shape their legacy, maintain independence, and stay engaged in the community. It’s a joyful approach to aging.
• Signature programming to maximize whole-person wellness • Outstanding services in home-like surroundings • Private, secured, dementia-care neighborhood
700 Laurel Ave., Oakdale CA | (209) 322-2292 AstoriaSeniorLiving.com | RCFE 507005604
www.amadorda.org
WORKERS’ COMPENSATION FRAUD Health care scams cost Americans billions of dollars each year.
Medical Provider Fraud is anytime a medical provider is involved in fraudulent conduct for the purpose of their own enrichment. Examples include: > Billing for services or treatment never performed; > Billing the workers’ compensation insurer and the workers’ health insurer for the same services; > Performing medically unnecessary treatment, examinations or diagnostic procedures in order to bill for them; > Miscoding or Up-coding treatment charges; > Billing for durable medical equipment that is never dispensed or selling used equipment as new.
The District Attorney’s Workers’ Compensation Fraud Unit pursues an aggressive approach to identify, investigate and prosecute workers’compensation fraud throughout Amador, Calaveras, Tuolumne, Stanislaus & Mariposa Counties.
If you know of a medical provider involved in fraudulent activity, contact the Insurance Fraud Unit of the District Attorney’s Office through our website at www.a amadorda.org or call (209) 223-6444.
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209 SENIOR LIVING | COMPANIONSHIP
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Adopt a Pet
s seniors become lonely or bored after retirement or their children move away, pets can help overcome their unhappiness, according to American Humane. Animal companions are shown to provide affection, company and a sense of responsibility that keeps our minds active. Welcoming a pet into your home can be a joyous occasion when done correctly. Before rushing to a local shelter to bring home your new furry friend, it’s essential to consider several factors to avoid developing regret.
CHOOSING AN ANIMAL
Cats and dogs are common household pets throughout America but can result in two completely different experiences. When deciding which animal is right to welcome into your family, consider how the two vary when they’re young. Puppies are generally full of energy and require constant attention to ensure they are comfortable, housebroken and respecting their surroundings. If you face limited mobility, chasing a small dog around your home may lead you to second guess your decision. On the contrary, kittens tend to require less maintenance regarding grooming and potty training. They are also content with staying indoors, so pet owners avoid making multiple trips outside each day.
FINDING A SENIOR PET
While raising a puppy or kitten can be a rewarding experience, it can be difficult to find the energy to train them properly. For many seniors, adopting an older pet who has already been disciplined can be a more comfortable experience. Reach out to your local shelter to find well-behaved companions that are in search of a new forever home
With pre-planning, you will help minimize your family's financial and emotional burdens.
CONSIDER THE EXPENSES
Pets can’t survive on your love alone. Before committing to adopting an animal, consider if your finances are in line with the increased costs you will experience. When adopting a puppy, kitten or senior pet, they will likely rely on a specific food to ensure their optimal health. It’s important to visit a veterinarian’s office to discover any medical issues that may become aggravated when eating the wrong diet. You will also want to plan for vaccines and wellness exams for your new companion. Depending on their age, breed and current health condition, visits to the vet can be constant. Make sure you have room in your budget to protect your pet during regular checkups and medical emergencies. APRIL 2020 14
Ashley Vella, Managing Partner, FDR 3639, Jack and Joanne Deegan, Ambassadors
Ripon (FD987) 111 S. Palm Ave. 209-599-3413
Escalon (FD932) 1441 San Joaquin St. 209-838-7321
www.deeganfuneralchapels.com SENIORLIVING
PRESTIGE ASSISTED LIVING AT MANTECA Did you know that individuals with dementia are up to five times more likely to fall than older people who do not have cognitive impairment? Changes in coordination, recognition and communication may contribute to a fall, but there are several steps you can take to reduce the risk of a fall for a loved one. We’re here to help.
Are you worried about falling?
For a limited time, we’re offering a FREE fall risk assessment. Call (209) 362-3838 to schedule today!
Prestige Assisted Living at Manteca 1130 Empire Ave. Manteca, CA 95336 www.PrestigeCare.com
License #: 397004125 APRIL 2020 15
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M.D.
Imagine seeing life more clearly.
CATARACT SURGERY • GLAUCOMA CARE • RETINAL SERVICES EYELID SURGERY • LASIK • VISION EXAMS • GLASSES • CONTACTS
Richard Wong, M.D.
Joseph John Canzano, Zeiter, Zieter, M.D. M.D. M.D.
Joseph Zeiter, Jr. , M.D. John John Zeiter, M.D.
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Zeiter, , M.D. Michael M.D. RobertHetzner, Pedersen,O.D. O.D. John PeterCanzano, Canzano, Hetzner,M.D. M.D. O.D. Joseph Joseph Linda Zeiter, Hsu,Jr.Jr., O.D. M.D. Mohammad StevenMequio, Wood, Pathan, O.D.M.D. Robert Peter Pedersen, O.D.
Devinder Grewal, O.D. Linda Hsu, O.D.O.D. Krishna Patel,
Pedersen, Steven Robert Wood, Dupree, Dupree,O.D. O.D. O.D. Robert Jennifer Jennifer Pham, Pham,O.D. O.D.
Devinder Grewal, O.D. Ralph Ralph Miranda, O.D. O.D. Robert Dupree, O.D.
STOCKTON LODI MANTECA TRACY SONORA
209-239-3880 www.Zeitereye.com
Over 55 years of Vision Care
Your Vision is Our Passion APRIL 2020 16
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Jennifer P
