Generations Michigan
Fall 2005
TM
Raising Grandchildren Also in This Issue: ■ Ask the Expert About Multiple Sclerosis ■ A Look at Area Agencies Around Our State Published quarterly by Michigan’s Area Agencies on Aging
Welcome to Michigan Generations Michigan is divided into 16 AAAs, each serving a different part of the state.
AAAs— Gateways to Community Resources
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Whether you are an older adult yourself, a caregiver or a friend concerned about the well-being of an older adult, Area Agencies on Aging (AAAs) are ready to help. AAAs in communities across the country serve as gateways to local resources, planning efforts, and services that help older adults remain independent. AAAs were established under the Older Americans Act in 1973 to respond to the needs of Americans aged 60 and over in every community. The services available through AAA agencies fall into five general categories: information and consultation, services available in the community, services in the home, housing, and elder rights. A wide range of programs is available within each category.
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8
7 5
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3A 3B
4
3C
4 Region IV Area Agency on Aging 5 Valley Area Agency on Aging 6 Tri-County Office on Aging 7 Region VII Area Agency on Aging 8 Area Agency on Aging of Western Michigan 9 NEMCSA Region 9 Area Agency on Aging 10 Area Agency on Aging of Northwest Michigan 11 Upper Peninsula Area Agency on Aging 14 Senior Resources of West Michigan Visit the AAA’s state website at www.mi-seniors.net
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The services offered by Michigan’s 16 AAAs cover a broad spectrum of needs, such as information and referral, case management, in-home services, home-delivered meals, senior centers, transportation, and special outreach. To read more about each of Michigan’s AAAs and the services available, turn to page 10 of this issue. MI
1B
2
1C
Michigan
Generations FALL 2005 Published quarterly
through a cooperative effort of Michigan’s Area Agencies on Aging. For information contact: Jenny Jarvis 248-262-9202 jjarvis@aaa1b.com
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Editorial Project Development: JAM Communications, Atlanta, GA Design and Production: Wells-Smith Partners, Lilburn, GA
On the Cover: Seniors are living longer than ever, but are also worrying about having enough money in their later years. The message: Smart financial planning has to continue throughout your entire life. For advice from the experts, turn to page 4.
Fall 2005, Volume 3, #2 © 2005 by the Michigan Area Agencies on Aging. The information contained herein has been obtained from sources believed to be reliable. However, the Michigan Area Agencies on Aging and JAM Communications make no warranty to the accuracy or reliability of this information. No part of this publication may be reproduced or transmitted in any form or by any means without written permission. All rights reserved.
Michigan Generations
MAP PHOTOGRAPHY COURTESY TRAVEL MICHIGAN
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They are:
1A Detroit Area Agency on Aging 1B Area Agency on Aging 1-B 1C The Senior Alliance 2 Region 2 Area Agency on Aging 3A Kalamazoo Co. Health & Community Services Dept. Region 3A 3B Burnham-Brook Region IIIB Area Agency on Aging 3C Branch-St.Joseph Area Agency on Aging IIIC
CAREGIVINGNews&Notes Celebrating Family Caregivers Month
Looking ahead to flu season
Next month, National Family
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inter will soon be here — and with it, another flu season. Last year’s critical shortage of flu shots raised awareness of the dangers of this disease. Influenza kills an estimated 36,000 Americans and puts 200,000 in the hospital in an average year. Because the virus constantly changes, the vaccine must be reformulated and made fresh every year, and both supplies and availability seem to be veiled with uncertainty. The good news is that there are now four companies providing vaccines to the U.S.; as a result, as many as 97-million shots will be available to U.S. residents, according to the U.S. Centers for Disease Control and Prevention. However, some prioritization of who gets the shots will still be required. Seniors and their caregivers are advised to contact their primary care physicians for more information on availability of flu shots and locations where shots are given.
Caregivers (NFC) Month — observed every November — will have a new theme, “Caring Every Day,” which encourages family caregivers to take three steps every day to make their lives easier, improve care and raise awareness about their continued love and commitment. The three steps include: • Believe in Yourself. • Protect Your Health. • Reach Out for Help. NFC Month spotlights the many challenges facing family caregivers, advocates for stronger public policy to address caregiving issues and raises awareness of community programs for caregivers.
Comparison Shop for
M
HOSPITALS
ichigan residents now will be able to comparison shop for hospitals based on quality. A new national database based on critical quality indicators helps seniors and caregivers evaluate hospitals in their areas. Data from 115 Michigan hospitals are included on the website, www.hospitalcompare.hhs.gov. It offers information on how hospitals treated patients in four categories: heart attacks, heart failure, pneumonia and surgery infection prevention. For
Fall 2005
example, the site shows what percentage of heart attack patients were given an aspirin within an hour of arriving in an emergency room. In the coming months, the site will be expanded to include other illnesses. The website also includes: • A list of all Medicare-certified hospitals in the U.S. • A checklist of important questions to consider before you or a loved one goes to the hospital. • Information on your rights as a hospital patient.
Building Better Bones
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steoporosis is on the rise, according to a report from the U.S. Surgeon General. Some 10 million Americans age 50 and older suffer from the disease, and that number is projected to grow to 14 million by 2020. The disease, which is four times more common in women than in men, results in bone loss and can lead to life-threatening fractures. The consequences are serious: The report notes that 20 percent of seniors suffering hip fractures die within a year. To combat osteoporosis, boost your intake of calcium products — especially dairy and green vegetables. Eat an adequate amount of Vitamin D, and include weight-bearing exercises in your fitness routine. Bone-density tests are also recommended (especially for older women).
Surfing the Net Each issue of Michigan Generations offers several websites of interest to older adults and their caregivers … right at your fingertips. www.seniorwomen.com offers articles and columns — from book reviews to cultural commentaries — devoted exclusively to issues and concerns of women over age 50. www.discountsenior.com is a directory of information, ideas and resources — all geared to help you make smart spending decisions and save money. Look for more helpful websites in the next issue of Michigan Generations.
3
Your Path to a
Secure Future By Martha Nolan McKenzie
M
any Americans see a simpler life as the ultimate promise of retirement. Simpler days, freed of the hectic schedules of work. Simpler surroundings, perhaps in a smaller, senior-friendly home. And simpler finances, finally relaxing to draw from a lifetime’s accumulation. Nothing could be further from the truth, at least where finances are concerned. Financial planning for seniors is more complicated today than it was for their parents or grandparents. For one thing, we are living longer. “If you’re looking at a 65-year-old woman, she could live another 30 years or more,” says Al Caicedo, president of CKS Summit Group, a financial planning firm in Clinton Township. “That’s almost another entire life, and you’ve got to finance that life.” Finances themselves have gotten more complicated, with stocks and mutual funds more accessible
to the mass market, international investments growing in importance and financial information engulfing investors in a mind-numbing deluge. In addition, fewer retirees enjoy defined benefit retirement plans (pensions), while more and more rely on defined contribution plans (IRAs and 401(k)s). That means the responsibility for making sure there’s enough money when you need it has shifted from your employer to you. To top it off, ever-increasing health care and long-term care costs add a tremendous and unknowable burden that previous generations never dreamed of. The result? Financial planning cannot end with retirement. It’s just as critical for a 75-year-old to take an active role in managing his finances as it is for a 50-year-old. “Financial planning is like a garden,” says William R. Parker, owner of Parker Financial Group Michigan Generations
in Rockford. “It needs to be tended or it will wither and die. You absolutely cannot stop your financial planning in retirement. It’s a process that must continue throughout your entire life.” So how should you be tending the garden? Experts offer the following advice for the years preceding retirement and the retirement years themselves.
Pre-retirement years
For many of us, the reality of retirement does not hit until our final few working years. Suddenly, we come face to face with the prospect of footing the bill for a retirement that could last nearly as long as our working career. We all arrive at this stage with different financial portfolios, different needs and different expectations. “There is no one-size-fits-all solution,” says Parker. “But there is a process that fits all.”
WHAT YOU’LL NEED VS. WHAT YOU’LL HAVE First, you should determine how much you will need each year to live on in retirement. A widely accepted rule of thumb says 70 percent of your current salary should sustain your standard of living in retirement. Of course, rules of thumb are just that. If you plan to downsize into a small apartment and pursue your hobby of woodworking, you may be able to live comfortably on much less. Or, if you intend to travel the world and take up heli-skiing or yacht racing, you may need much more. And don’t forget to add inflation into the equation. “One of the biggest mistakes I see is people figuring how much money they will need in that first year of retirement and then assuming that figure will stay the same,” says Donald Ray Haas, a registered financial gerontologist and president of Haas Financial Services in Southfield. “Over the past 75 years, inflation has averaged 3 percent a year, so that would be a safe figure to use to calculate how much more you will need each year.” Next, you have to figure out how much income you can count on at this point. Traditionally, sources of retirement income have been likened to a three-legged stool — Social Security, pensions and personal savings. However, the age at which you can collect full Social Security benefits has been raised. People born before 1938 (those currently 68 years old) can collect full benefits at age 65. People born in 1938 or later won’t be able to collect benefits until a little later. People born between 1943 and 1954, for example, cannot collect full benefits until age 66. You can start collecting Social Security as early as age 62, no matter what age you are eligible for full benefits. However, you will receive a reduced benefit for the duration of your life. Conversely, you can elect to forgo collectFall 2005
ing benefits until you turn 70, and then you would get an increased monthly benefit. What is the best age at which to begin the withdrawal? “There is no simple answer,” says Marc K. Ferguson, an investment representative with EdwardJones in Alpena. “It depends on tax, health and longevity issues. Defined benefit plans, or pension plans, by and large are going the way of the manual typewriter. Only about 20 percent of American workers are covered by pension plans, according to the Employment Policy Foundation, and many of those who are covered worry about the plan’s security. If you are lucky enough to have a pension plan, you need to check to see how much you can expect to receive from it. Most plans do not have inflation adjustments and many are integrated, which means the amount of the benefit is reduced by the amount received in Social Security. So if you are entitled to $1,200 a month from your integrated pension plan, but you get $800 a month from Social Security, your pension payout drops to $400 a month. Once you have figured out how much you’ll need in retirement and how much you expect to have, you can see how much extra you need to save to fill the gap. That’s where the personal savings leg of the stool comes in. In an effort to encourage people to save more for their own retirements, the federal government has introduced “catch-up” contributions to 401(k) plans and IRAs. Workers age 50 and older are allowed to contribute more to these plans than younger workers are. “Employees are allowed to contribute up to $14,000 a year to their 401(k), for example,” says Ferguson. “But if you are 50 or older in 2005, you can contribute an additional $4,000, or a total of $18,000. That number goes up next year, and similar rules apply to IRAs. “Generally speaking, you should contribute to your retirement plans as long as you can,” Ferguson adds. “If you are not going to need to access that money immediately upon retirement, you may as well hide it in a tax-deferred account.”
THE GREAT UNKNOWN: HEALTH CARE These days, people are worried that no matter how much they save, it may not be enough to cover the exploding costs of health care and long-term care. “The traditional worry of ‘will I outlive my money?’ has been slightly eclipsed by the worry of ‘will I be able to pay for health care and long-term care?’” says Neal Cutler, dean of the American Institute of Financial Gerontology. “If you are in your 60s and 70s, you can pretty well figure out how much income to expect and adjust your lifestyle accordingly. But on the health side, the unknowns are greater and potentially much more costly.” Many Americans mistakenly assume Medicare will take care of all of their retirement health care needs. It won’t. For one thing, you are not eligible for Medicare until you are 65, so if you retire early, you’ll have to make other, more expensive, arrangements for health insurance. In addition, Medicare has high co-payments and deductibles, and it won’t pay for long-term care. To protect yourself against these 5
expenses, financial planners typically recommend Medigap and long-term care insurance, if you can afford it. “Insurance is a very important part of any financial plan,” says Haas. “As you age, you will need more procedures and medications, so health insurance becomes increasingly vital, especially with the trend of employers eliminating their funding for medical insurance for retirees. It’s a reality that you are going to have to find a way to pay for more and more of your own care.” Medigap policies can be purchased to cover areas that Medicare does not. Long-term care insurance, though quite costly, can protect your assets, and your quality of life, if you need daily care late in life. “The leading cause of bankruptcy among seniors is longterm care and health care,” says Caicedo. “The average cost of nursing homes is $60,000 a year, and the average stay is 2 1/2 years. So unless you can afford to pay $150,000 — and quite possibly more — for long-term care, and still leave
even longer. “We spend all our lives accumulating money, but we are never taught how to distribute it so we don’t run out,” says Caicedo. “My biggest challenge in working with retirees is to change their mindset from accumulation to preservation.”
TRADITIONAL INCOME SOURCES
Preserving your nest egg has much to do with understanding when, where and how to draw on your savings. In general, you cannot draw any money from your IRA or 401(k) until you are 59 1/2 without paying a large penalty. And you cannot receive full Social Security benefits until age 65 or later, depending on when you were born. However, you can elect to receive smaller benefits throughout your life if you begin collecting benefits at age 62. On the flip side, you must take a minimum annual withdrawal from your IRA or 401(k) once you reach 70 1/2. If you don’t, you’ll be taxed at a whopping 50 percent rate on the amount that you should have withdrawn. Some financial planners recommend that you take no more than 4 to 5 percent of your total assets per year to ensure long-term “There are a lot of good reasons why you need financial security. For example, if you have a $300,000 investment earning 4 percent a year a sound financial plan for retirement, but and you decide to withdraw 10 percent a year, you will run out of money in just over getting to that plan has gotten a whole lot 12 years, according to statistics prepared by EdwardJones. But if you choose to withdraw more complicated.” 5 percent a year instead, your money will last more than 37 years. When and where you make your withdrawals can also something for your surviving spouse or your heirs, it would make a difference. “I recommend that you take out what be wise to get some coverage.” you’ll need for the year at one time and deposit that in a HOUSING money market account you can draw from as you need it,” After health care, housing looms large on the pre-retiree’s says Elizabeth Zeldes, a CPA and owner of Senior Advisory horizon. Should you pay off your mortgage before you retire? Services in Grand Rapids. “That way you protect yourself Should you sell your house and move into a smaller place? from market volatility throughout the year.” Should you refinance to get liquidity out of your home? When you do start to make your withdrawals, you’ll want Each case is different, and the answers depend largely on to take your least expensive money first. “You’ll want to draw your lifestyle choices. However, many financial planners from your pots that have already been taxed first, and then advise against rushing to pay off your mortgage completely go on to those that have not been taxed,” says Jerry Cole, before you retire. president of Cole Financial Group in Bay City. “So, for exam“If I have a house I’m happy in and I’m paying $600 a ple, I would want to draw on any stocks I have outside of an month on a mortgage, and I also have $150,000 in investIRA account, because I only have to pay capital gains tax on ments, I have two things I need — my home and my liquidthat money, and right now capital gains is at 15 percent. But ity,” says Parker. “But if I use up my investments to pay off when I take money from my traditional IRA, it’s going to be my mortgage, I only have one thing — my home. If I need taxed at the higher income rate.” cash, I may not be able to get it.”
Retirement years
In retirement, cash flow planning becomes even more important than investment planning. That’s because you will likely need to make whatever you’ve saved last a good, long time. Men and women who reach 65 today can expect, on average, to live to 82 and 85 respectively, according to the National Endowment for Financial Education. Many will live 6
SUPPLEMENTAL INCOME What if you’ve dipped into all your pots and it’s still not enough? An important source of additional income could be your home. If you are like many seniors, your home is your single biggest asset, and you can put it to work for you. You could lease out part of your space to generate extra income. You could sell your home and move into a smaller, less expensive place. Or, you might be able to take out a reverse mortgage. A reverse mortgage is a special type of home Michigan Generations
equity loan that allows people age 62 or older to convert some of the equity in their homes to cash. “A reverse mortgage can allow a senior to stay in his or her own home and provide needed cash for taxes, medications or anything else,” says Dorothy Dean, a budget/housing counselor with the Northwest Michigan Human Services Agency in Cadillac. “You can either set it up to get cash each month or to establish a line of credit that you draw on only as you need it.” Some seniors will not be able to pull together enough sources of income to support the lifestyle they want. For these people, the only option may be continued employment. Indeed, a 2000 study by the National Council on Aging found that only 54 percent of people age 65 to 75 were completely retired. “The whole concept of retirement is changing,” says Haas. “We are going to see more and more people go in and out of the workforce during their retirement years, working part-time or full-time, in their chosen profession or doing something completely different.”
ASSET ALLOCATION Though the focus shifts to cash flow and preservation of assets in retirement, it’s still important to keep an active eye on investments and on growth. While the philosophy still holds true that you can’t afford to take as many risks with your investments at 70 as you could at 50, financial planners are revising the recommendations as people live longer. “If you are not going to die the year after you retire, it’s a disaster to transfer all your money into fixed income investments,” says Haas. “Fixed income products historically produce half the rate of return that the stock market does, and many times their returns don’t keep pace with inflation. It would be a terrible position to put yourself in.” Haas recommends that pre-retirement, 90 percent of your investments should be in real estate (including your primary residence) and stocks (including those in retirement accounts). The remaining 10 percent should be divided between cash reserves, bonds, annuities, collectibles and precious metals. He suggests a very gradual decrease in your investment position in real estate and stocks, to 85 percent in your 70s, 75 percent in your 80s and 50 percent in your 90s. “At age 100, I’m still recommending you have 20 percent of your assets in the stock market,” says Haas. “If you made it to 100, chances are you have pretty good genes and will make it even longer.” Others in the financial planning community take a more conservative approach. EdwardJones, for example, espouses an asset allocation pyramid that recommends up to 45 percent of all your assets be in cash and income-producing vehicles (CDs, bonds, fixed annuities) throughout your retirement years. But the model still advises clients to keep between 10 percent and 20 percent in growth investments, such as stocks of rapidly growing companies and growth mutual funds, and between 40 percent and 50 percent in growth-and-income holdings, such as common stocks with dividends and balanced mutual funds. Fall 2005
How Much Do You Need to Accumulate?
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he big question seniors wrestle with as they near retirement is: “Have I saved enough?” Of course, every individual’s financial situation, needs and desires will be different. But here is a general look at how much you will need to amass to generate certain amounts of income annually in retirement — $20,000, $50,000 or $100,000 — and depending on the age at which you retire — 60, 65 or 70.
Preserving Principle Age
20K
50K
100K
60
$650,000
$1,610,000
$3,210,000
65
$615,000
$1,530,000
$3,050,000
70
$580,000
$1,450,000
$2,890,000
Spending Down Assets Age
20K
50K
100K
60
$519,000
$1,275,000
$2,550,000
65
$460,000
$1,140,000
$2,270,000
70
$396,000
$985,000
$1,970,000
Note: All numbers are approximations The top chart is calculated to preserve principle, so you would be spending only the income generated by your investments and would be able to pass on the principle to your surviving spouse or heirs. The bottom chart looks at spending down the principle every year, so you would not have anything left by age 95. Both charts are based on the following assumptions: a 3% inflation rate, a 6% rate of return, annual raises in income based on inflation (so if you received $20,000 in Year 1, you would get $20,600 in Year 2, and so on) and a life expectancy of 95.These charts do not take into account your Social Security payments. Source: Capital Investment Advisors Inc., Atlanta, GA.
Any way you look at it, the world of retirement financial planning is a complicated and often scary place. “There are a lot of good reasons why you need a sound financial plan for retirement, but getting to that plan has gotten a whole lot more complicated,” says Cole. “You’ll need to determine the lifestyle you want, the risk tolerance you can handle and how to allocate your assets accordingly. You’ll need to review — and perhaps revise — your plan regularly. Financial planning cannot end with retirement.” MI 7
GUESTClose-Up MEDICARE AND MEDICAID
Counseling
SERVICE Finding Answers to Your Questions By Lisa Trumbell
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he Michigan Medicare/Medicaid Assistance Program (MMAP) is a free health benefits counseling service for Medicare and Medicaid beneficiaries and their families or caregivers. MMAP’s mission is to educate, advocate, counsel and empower people to make informed health benefit decisions. MMAP receives funding from the Centers for Medicare and Medicaid Services (CMS), the Administration on Aging, the Michigan Department of Community Health and the Michigan Office of Services to the Aging. These funds allow us to offer our time and expertise at no cost. On the national level these programs are called State Health Insurance Assistance Programs (SHIP).
company, nor are they licensed to sell insurance. Their purpose is to serve you objectively and confidentially. When you call the MMAP toll-free number (1-800-8037174), your call is forwarded to the MMAP office within your community. A local MMAP counselor will be available to help you: • Understand doctor bills, hospital bills and Medicare Summary Notices. • Understand Medicare/Medicaid eligibility, enrollment, coverage, claims and appeals. • Enroll in Medicare Savings Programs. • Identify resources for prescription drug assistance.
MMAP accomplishes its mission through 54 MMAP Since 1984, MMAP has helped thousands of sites housed in regional Area Agencies on Aging, County Departments on Aging, Senior Services Agenbeneficiaries sort through confusing health cies, Commissions on Aging, hospitals and other similar insurance information. organizations located throughout Michigan. Currently MMAP has over 500 highly trained and certified volunteer counselors and coordinators. These dedicated and com• Review your Medicare supplemental insurance needs, passionate people, many of them seniors, answer questions compare policies and pursue claims and refunds. and act as guides through the Medicare and Medicaid pro• Understand health care options under managed care grams. Since 1984, MMAP has helped thousands of beneficiand Medicare Advantage Plans. aries sort through confusing health insurance information. • Explore long-term care financing options, including MMAP counselors and coordinators receive specialized long-term care insurance. training in Medicare and Medicaid law and regulations, • Identify and report identity theft, and Medicare or health insurance counseling and relevant insurance products. Medicaid fraud and abuse. MMAP counselors are not associated with any insurance Continued page 18 8
Michigan Generations
ASKtheExpert
Rose Jones Taylor
Multiple Sclerosis
An Unpredictable Disease
unpredictable disease of the central nervous system (the brain, optic nerves and spinal cord). It is thought to be an autoimmune disorder. This means that the immune system incorrectly attacks the person’s healthy tissue. Most people are diagnosed between the ages of 20 and 50, although individuals as young as 2 and as old as 75 have developed it. MS is not considered a fatal disease, as the vast majority of people with it live a normal life span. But they may face a struggle to live productively, often with increasing limitations.
well as from time to time in the same person. For example: One person may experience abnormal fatigue and episodes of numbness and tingling. Another could have loss of balance and muscle coordination, making walking difficult. Still another could have slurred speech, tremors, stiffness and bladder problems. Sometimes major symptoms disappear completely, and the person regains lost functions. In severe MS, people have symptoms on a permanent basis, including partial or complete paralysis, and difficulties with vision, cognition, speech and elimination.
Who gets MS?
What causes these symptoms?
ANYONE MAY DEVELOP MS, BUT THERE
MS SYMPTOMS RESULT WHEN AN IMMUNE
are some patterns. Twice as many women as men have MS. Studies suggest that genetic factors make certain individuals more susceptible than others, though there is no evidence that MS is directly inherited. It occurs more commonly among people with northern European ancestry, but people of African, Asian and Hispanic backgrounds are not immune.
system attack affects myelin, the protective insulation surrounding nerve fibers of the central nervous system (the brain and spinal cord). Myelin is destroyed and replaced by scars of hardened “sclerotic” tissue. Some underlying nerve fibers are permanently severed. The damage appears in multiple places within the central nervous system. Myelin is often compared to insulating material around an electrical wire; loss of myelin interferes with the transmission of nerve signals.
What is multiple sclerosis? MULTIPLE SCLEROSIS IS A CHRONIC,
What are the typical symptoms of MS? SYMPTOMS OF MS ARE UNPREDICTABLE,
and they vary from person to person as
In addition, many therapeutic and technological advances are helping people manage symptoms. Advances in treating and understanding MS are made every year, and progress in research to find a cure is very encouraging.
What medications and treatments are available for MS? THE NATIONAL MULTIPLE SCLEROSIS
Society recommends treatment with one of the FDA-approved “disease-modifying” drugs as soon as possible following a definitive diagnosis of MS with active disease. These drugs help to lessen the frequency and severity of MS attacks, reduce the accumulation of lesions (areas of damage) in the brain and may slow the progression of disability. The FDA has also approved a disease-modifying drug for reducing disability and/or the frequency of attacks in patients with secondary-progressive, progressive-relapsing or worsening relapsing-remitting MS. In addition to drugs that address the basic disease, there are many therapies for treating MS symptoms. People should consult a knowledgeable physician to develop a comprehensive approach to managing their MS.
Why is MS so difficult to diagnose?
Do you have a caregiving question? Write or email your question to our “Expert” at: Jenny Jarvis,Area Agency on Aging 1-B, 29100 Northwestern Highway, Suite 400, Southfield, MI 48034; jjarvis@aaa1b.com.We will make every
Does MS always cause paralysis?
IN EARLY MS, SYMPTOMS THAT MIGHT
NO. MOREOVER, THE MAJORITY OF PEOPLE
indicate any number of possible disorders come and go. Some people have symptoms that are very difficult for physicians to interpret, and these people must “wait and see.” While a single laboratory test to prove or rule out MS is not yet available, magnetic resonance imaging (MRI) is a great help in reaching a definitive diagnosis. MI
with MS do not become severely disabled. Two-thirds of people who have MS remain able to walk, though many will need an aid, such as a cane or crutches, and some will use a scooter or wheelchair because of fatigue, weakness or balance problems.
Can MS be cured?
effort to answer your question in an
NOT YET. THERE ARE NOW FDA-APPROVED
upcoming issue of Michigan Generations.
medications that have been shown to “modify” or slow down the course of MS.
Fall 2005
ROSE JONES TAYLOR is vice president of programs for the Michigan Chapter of the Multiple Sclerosis Society. 9
REGIONALNews In communities across the U.S.,
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Area Agencies on Aging (AAAs) serve as gateways to local resources, planning efforts and services that help older adults remain independent. Here are the programs and services offered by Michigan’s AAAs.
1A 1B 1C 2
Detroit Area Agency on Aging Area Agency on Aging 1-B The Senior Alliance Region 2 Area Agency on Aging 3A Kalamazoo Co.Health & Community Services Dept. Region 3A 3B Burnham-Brook Region IIIB 3C Branch-St.Joseph Area Agency on Aging IIIC 4 Region IV Area Agency on Aging 5 Valley Area Agency on Aging
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7
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6 Tri-County Office on Aging 7 Region VII Area Agency on Aging 8 Area Agency on Aging of Western Michigan 9 NEMCSA Region 9 Area Agency on Aging 10 Area Agency on Aging of Northwest Michigan 11 Upper Peninsula Area Agency on Aging 14 Senior Resources of West Michigan
5
14 6 4
1B
3A 3B 3C
2
1A 1C
S POTLIGHT O N …
Region VII Area Agency on Aging Serving Bay, Clare, Gladwin, Gratiot, Huron, Isabella, Midland, Saginaw, Sanilac and Tuscola counties
Foster Grandparents Reach Out to Children
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henever children are being raised by relatives other than their parents in Region VII’s 10-county area, the “Kinship Care” program is
ready to offer its resources for assistance. The program offers support groups, activities, information and referral to community resources, a monthly newsletter, emergency aid, assistance with legal forms, case management and respite. Respite services provide monetary assistance “Foster grandparent” Raymond Sanchez assists two young boys with their reading assignments.
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for youth activity memberships or day camps. Eight years ago, the Saginaw Commission on Aging received a federal grant to operate a “Foster Grandparent Program.” Workers age 60 and older receive a tax-exempt stipend to assist special-needs children in schools and other child-related programs. They are trained for their services and are provided with a meal each day. For additional information on these programs or other services, contact the Region VII Area Agency on Aging, 1615 S. Euclid Ave, Bay City, MI 48706, toll-free 1-800-858-1637, or visit our website at www.region7aaa.org.
Michigan Generations
Detroit Area Agency on Aging Serving Detroit, Highland Park, Hamtramck, Harper Woods and the five Grosse Pointes in Wayne County
DAAA Tackles a Weighty Issue
T
of your weight, you can significantly he struggle to lose weight seems reduce your risk of fat-related health to be a national obsession. Every problems. However, often the first step day consumers are bombarded with in any weight-loss program is the most advertisements promoting new diets difficult step to take. that will melt away the pounds, or a new workout developed to lose inches fast. It’s no wonder that Americans spend 30 billion dollars a year on diet aids and commercial weight-loss programs — but that amount is a drop in a bucket compared to the cost of health care resulting from weight problems. The Michigan Department of Community Health reported that in 2000 the estimated cost of obesity in Michigan rose to $117 billion. Nationwide, Michigan ranks among the highest states in obesity trends. The Detroit Area Agency on Aging Weight Loss Challenge team. Obesity is a major contributor of the many In an effort to encourage healthy chronic illnesses that are associated weight loss and disease management with the high morbidity and mortality throughout metropolitan Detroit, the rate in Detroit — for example, HarDetroit Area Agency on Aging vard researchers found that obesity is (DAAA) issued the “Living Long/Living I stood in a room full of people and said Well Weight Loss ‘I weigh 375 pounds. I’m 33 years old and Challenge.” The purpose of this chalI need your help.’ The response has been lenge was to incredible. I want people to know you can motivate individuals lose weight and be healthy. to take that first step in losing weight — by engaging employers in encourresponsible for 57 percent of type 2 aging weight-loss support groups diabetes cases and 19 percent of caramong their employees and incorpodiovascular diseases such as heart disrating healthy living alternatives in the ease, stroke, high blood pressure and work environment. Organizations high cholesterol. were challenged to meet or beat the Fortunately, health studies have DAAA Weight Loss Challenge team in proven that by losing just 10 percent Fall 2005
losing 100 pounds by September 16. The DAAA team captain, Dameon Wilburn, planned weekly guest speakers, journal assignments, physical activities and weigh-in sessions to keep
team members motivated. Says Wilburn, “It is difficult being overweight. It is even more difficult to lose weight. I stood in a room full of people and said, ‘I weigh 375 pounds. I’m 33 years old and I need your help.’ “The response has been incredible. I want people to know you can lose weight and be healthy. I want them to know you can open up to co-workers and family, and they will try to help you. And I want people to know they are not alone.We are together in the struggle.” For more information on the “Living Long/Living Well Weight Loss Challenge,” call the Detroit Area Agency on Aging at 313-446-4444.
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Area Agency on Aging 1-B Serving the counties of Livingston, Macomb, Monroe, Oakland, St. Clair and Washtenaw
Medicare Drug Plan Assistance Days Scheduled in Six Counties
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tarting on November 15, 2005, Medicare beneficiaries will be able to enroll in Medicare Part D. Medicare Part D is the new component of Medicare that will provide prescription drug coverage for those beneficiaries who do not currently have credible coverage. There will be several types of Medicare prescription drug plans to choose from, with each plan having a list of specific drugs that would be covered, varying premium and deductible costs and different coverage options. To help lessen the confusion, the Area Agency on Aging 1-B will be hosting assistance days for all Medicare beneficiaries who need assistance in
choosing a Medicare Prescription Drug Plan across our six-county region (see assistance days list below).Trained Medicare Prescription Assistance Counselors (MPACs) will be available at each assistance day to meet with beneficiaries one-on-one and review what Medicare plan may best suit the beneficiary’s needs. Individuals attending these assistance days are required to bring the following documentation to ensure that MPAC volunteers can assist them as thoroughly as possible: 1. Name/Address/Phone Number 2. Date of Birth 3. Medicare Card 4. Social Security Number
5. Complete list of medications including, dosage, frequency and cost 6. Preferred pharmacy 7. Information on out-of-state travel for extended periods of time For more information on the Medicare Drug Plan Assistance Days, please contact the AAA 1-B Medicare/ Medicaid Assistance Program (MMAP) at 1-800-803-7134. There is no charge for the assistance days. Light refreshments will be provided. If you are unable to attend the assistance days and would like help in selecting a Medicare Prescription Drug Plan, please contact the MMAP at 1-800-803-7174.
List of Medicare Drug Plan Assistance Days LIVINGSTON COUNTY Tuesday, December 20, 2005, 10 a.m. to 4 p.m., Livingston Educational Service Agency, 1425 W. Grand River Ave., Howell, MI. Call the Area Agency on Aging 1-B Medicare/ Medicaid Assistance Program at 1-800-803-7174 to make an appointment. MACOMB COUNTY Friday, November 18, 2005, 9:30 a.m. to 3 p.m.,Windemere Park Senior Center, 31800 Van Dyke Ave.,Warren, MI. Call the Macomb County Department of Senior Citizen Services at 586-466-4545 or 586-466-8725 to make an appointment. Tuesday, December 13, 2005, 9 a.m. to 4 p.m., Macomb Intermediate School District, 44001 Garfield Rd., Clinton Township, MI. Call the Macomb County Department of Senior Citizen Services at 586-466-4545 or 586-4668725 to make an appointment. Friday, January 20, 2006, 9 a.m. to 4 p.m., Macomb Intermediate School District, 44001 Garfield Rd., Clinton Township, MI. Call the Macomb County Department of Senior Citizen Services at 586-466-4545 or 586-4668725 to make an appointment.
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MONROE COUNTY Tuesday, December 6, 2005, 10 a.m. to 4 p.m., Monroe Intermediate School District, 1101 S. Raisinville Rd., Building B, Monroe, MI. Call the Area Agency on Aging 1-B Medicare/ Medicaid Assistance Program at 1-800-803-7174 to make an appointment. OAKLAND COUNTY Tuesday, November 15, 2005, 10 a.m. to 4 p.m., Beaumont Hospital – Royal Oak, South Tower, 3601 W. 13 Mile Rd., Royal Oak, MI. Call 1-800-633-7377 to schedule an appointment time. Free parking in South Parking lot. Tuesday, November 29, 2005, 12 p.m. to 6 p.m., Beaumont Hospital – Troy, Computer Lab, 44201 Dequindre Rd.,Troy, MI. Call 1-800-633-7377 to schedule an appointment time. Thursday, December 1, 2005, 10 a.m. to 4 p.m., Botsford General Hospital, 28050 Grand River Ave., Farmington Hills, MI. First come, first serve assistance. Free parking available — follow signs. Health education and blood pressure checks available. Monday, December 5, 2005, 9 a.m. to 3 p.m., Beaumont Hospital – Troy, Computer Lab, 44201 Dequindre Rd.,Troy, MI. Call 1-800633-7377 to schedule an appointment time.
Thursday, December 8, 2005. 8 a.m. to 2 p.m., Oakland Schools, 2111 Pontiac Lake Rd.,Waterford, MI. Call the Area Agency on Aging 1-B Medicare/Medicaid Assistance Program at 1-800-803-7174 to make an appointment. Thursday, December 15, 2005, 10 a.m. to 4 p.m., Botsford General Hospital, 28050 Grand River Ave., Farmington Hills, MI. First come, first serve assistance. Free parking available — follow signs. Health education and blood pressure checks available. ST. CLAIR COUNTY Saturday, November 19, 2005, 10 a.m. to 4 p.m., Academic Transitional Academy, 1520 Michigan Ave., Port Huron, MI. Call the Area Agency on Aging 1-B Medicare/Medicaid Assistance Program at 1-800-803-7174 to make an appointment. Free parking available — follow signs. WASHTENAW COUNTY Tuesday, November 22, 2005, 9 a.m. to 3 p.m., St. Joseph Mercy Senior Health Services, Lower Level Cafeteria, 5361 McAuley Dr., Ann Arbor, MI. Call the Area Agency on Aging 1-B Medicare/Medicaid Assistance Program at 1-800-803-7174 to make an appointment. Brown bag with pharmacy consultant available.
Michigan Generations
Agency Staff Receive International Aging Certification
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our Area Agency on Aging 1-B (AAA Bachelor’s or higher degree, two years of AIRS is an international association 1-B) staff members, Becki Tyler,Vikki employment in I&R for applicants with consisting of over 1,000 organizational Rochester, Cathy Cook and Jill Walker, an Associate’s degree, and three years and individual members.The mission of recently passed the AIRS is to advance the Certification for Inforcapacity of information mation and Referral and referral programs to Specialist for Aging better serve their commu(CIRS-A) examination, a nities.The AIRS Certificacertification exam tion Program awards offered by the Alliance professional credentials of Information and internationally to individuReferral Systems als who successfully com(AIRS). All four staff plete the appropriate AIRS members work in the Certification Program for Access and Benefits information and referral department at the AAA practitioners. 1-B.Vikki, Cathy and Jill With this certification, Receiving their CIRS-A certification are , from left to right , Vikki Rochester, Jill Walker, are resource specialists, the AAA 1-B resource Cathy Cook and Becki Tyler. and Becki is the resource specialists will continue to specialist team leader. Resource specialof employment in I&R for applicants provide excellent customer service to ists undergo a very stringent process to with a high school diploma or GED. individuals who contact the agency for become certified. AIRS requires at least The candidate must then complete the information and assistance. Congratulaone year of employment in Information in-depth AIRS exam and receive a score tions to Becki,Vikki, Cathy and Jill on and Referral (I&R) for applicants with a of 75 percent or higher. becoming CIRS-A certified.
Region 2 Area Agency on Aging Serving Hillsdale, Jackson and Lenawee counties
Daybreak Provides a Caring/Sharing Program
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aybreak Adult Day Care, an affiliate of Gerontology NetworkLenawee, opened on March 12, 2001, with help from the Lenawee community. This service was started with assistance from the Area Agency on Aging Region 2, Department on Aging, Family Independence Agency, community grants and individual donations. We have received support from the Human Services Council and Coalition on Aging to get the word out about the service. Daybreak provides a safe, happy and stimulating environment for individuals age 55 or older with physical problems, dementia or other handicaps or age-related problems. Exercises are designed to increase physical and mental functioning. An RN comFall 2005
pletes health monitoring. Participants receive lunch daily as well as healthy snacks in the morning and afternoon. Caregivers are invited to drop in at any time during the day to check on
their family member. Studies show that adult day care decreases caregiver stress, which allows caregivers to keep loved ones in the home longer, avoiding institutional placement.This is a valuable service allowing community caregivers the opportunity to take a break from caregiving and get re-energized. In doing so, more quality caregiving can occur. Daybreak Adult Day Care is located at 4650 U.S. 223, Adrian, MI. Call Tammy Jewell at 517-2662588 to discuss how we might assist you, or visit our website at www.gerontologynetwork.org. For information, contact Ginny Wood-Bailey at Region 2 AAA, 1-800-335-7881. 13
Branch–St.Joseph Area Agency on Aging IIIC Serving a two-county area surrounding Sturgis, Three Rivers, Coldwater and Quincy
Ideas Shared at Health & Wellness Forum
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he Branch-St. Joseph Area Agency on Aging was delighted to host one of 12 statewide Health & Wellness Forums in partnership with the Office of Services to the Aging (OSA) this past July. A diverse, talkative group of older adults gathered to share their thoughts, experiences and opinions about staying healthy and active later in life. “If you don’t use it, you truly do lose it,” says one participant, “and that goes for using your mind and creative side too!” Discussion among this group not only included how many miles they walk, ride or swim per day/week but how they incorporate volunteering and utilizing various art forms to stay healthy and well. “Playing
cards, painting, gardening and volunteering at the local hospital or senior center are all activities that count,” says Andrea Layman, the OSA staff intern who facilitated the forum. The ideas shared at the forum will
support OSA as they develop initiatives aimed to assist older adults in maintaining healthy lifestyles. OSA plans to release a compilation of the feedback they gathered throughout the state sometime early this Fall. Our local Area Agency on Aging will certainly benefit from the comments shared at the forum as well. Incorporating this type of community input has immediately re-emphasized our unique needs, and the feedback continually helps to prioritize funding in our local area. For more information on activities and services available in your community, please call 517-279-9561, ext. 137, or toll-free 1-888-615-8009.You may also visit our website: www.bhsj.org/AAA/.
Region IV Area Agency on Aging Covering Michigan’s Great Southwest including Berrien, Cass and Van Buren counties
Connecting with Caregivers
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aregivers are a special group of people with special needs. Even though individual needs may vary, there is one common thread: a need for support. Most caregivers need some type of support at some time during their caregiving careers.We recognize this
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and have built a system of libraries to help all caregivers, no matter what stage they are in. If your parent or spouse has recently been diagnosed with dementia or Alzheimer’s, we have materials to educate you. If you are getting burned out caring for your loved one with Alzheimer’s, we have books and videos with activities to try. If you are helping an older person with their finances, or are just having issues with an older parent, we have materials with helpful suggestions. The Region IV AAA has nine remote libraries to assist our patrons in all parts of our three-county coverage area. From South Haven to Cassopolis, from Paw Paw to Niles, chances are there is a library near you.
Each of these libraries is called “Caregiver Connection” and is designed to provide a wide variety of helpful information to every person caring for an older adult.The public is also encouraged to give us feedback if you can’t find information on a specific topic.We may be able to purchase resources on the topic to add to our libraries. Books and videos are checked out free of charge, just like a public library. Our central library, located at the AAA in St. Joseph, has been updated. This library has a broader subject range and a computer with Internet access available for the public to use for research on aging issues. Please call the number below for further information, or stop by to see us! Please call the Senior Info-Line at 1-800654-2810 for exact library locations. Michigan Generations
ValleyArea Agency on Aging Serving Genesee, Lapeer and Shiawassee counties
A Much-Needed Vacation for Caregivers
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hen you are caring for a loved one on a daily basis, you can start to become overwhelmed by all the responsibilities.This summer the Valley Area Agency on Aging implemented a new program called the Vacation Respite Program, funded by the National Family Caregivers Support Program. The success of the summer program was unbelievable. Pegge Adams, a caregiver for her mother, says, “I think this is the greatest program. When you’re caring for someone all of the time, you get very weary; you can’t take the things you used to do for granted. This will be the only chance we will be able to go as a family to
visit my granddaughter on her 13th birthday, without having to worry about who’s going to care for Grandma.” The goal of the program was to lessen the Sherika Finklea (left) registers caregiver Pegge Adams for the Vacation Respite Program. burden of caregivers who provide at-home support vouchers were subject to the facilities’ for an elderly or disabled person. The admittance criteria and occupancy program allowed the caregiver to place availability. their loved one in a safe, caring facility For more information on services for up to two weeks so the caregiver provided by the Valley Area Agency on could get away from their caregiving Aging, call 810-239-7671 or toll-free duties for a short time. 1-800-978-6275, or visit our website at The caregiver received a voucher www.valleyaaa.org. to be used at any of the five facilities that participated in the program.The
Tri-County Office on Aging A consortium of Clinton, Eaton and Ingham counties and the cities of Lansing and East Lansing
QC3 Strengthens Support for Tri-County Consumers
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he Michigan Quality Community • SUPPORT providers through a Care Council (QC3) was formed variety of methods aimed at encourby an agreement between the Michiaging competence, achieving quality gan Department of Community Health services to consumers and improving (MDCH) and the Tri-County Aging provider retention through increased Consortium (TCOA). job satisfaction. The QC3 is governed by con• INCREASE the opportunity for sumers, consumer advocates and individual providers of home help to members representing find other consumers the Department of for whom to work — Human Services (DHS), using a Registry that will DCH and TCOA’s execulaunch this Fall. tive director, Marion T. Additionally, the QC3 Owen. The immediate will perform reference goals for the QC3 are: and criminal background • PRESERVE consumer checks on providers selection and managewho wish to be on the Susan Steinke, QC3 executive ment of providers. director. Registry.The Registry Fall 2005
will launch in eight counties — Ingham, Eaton, Clinton, Genesee, Livingston, Washtenaw, Oakland and Macomb. There are approximately 44,000 individual providers of home help in Michigan. TCOA’s role as a partner agency for the QC3 has been critical in providing invaluable technical expertise to this new agency.The Area Agencies on Aging have supported efforts by recruiting for focus groups, providing meeting space and offering speaking opportunities to discuss QC3’s role in the state. For more information on QC3, call 1-800-979-4662 or call the Tri-County Office on Aging at 517-887-1440 or 1-800-405-9141.
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Kalamazoo Co. Health & Community Services Dept. Covering Kalamazoo County and its 24 municipalities
Region 3A
Important Information Regarding Medicare Part D Prescription Drug Coverage
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s the start of Medicare prescription drug coverage in January 2006 draws near, people on Medicare are increasingly asking themselves what savings might be available for their particular situation. STEP ONE is to determine whether the beneficiary is eligible for the extra assistance available to persons on a limited income — assistance that covers the deductible, premiums and co-pays of Medicare Part D. Some people may think that they are not eligible, but the word is: “Send in the application and find out! You may be surprised.” Applications, and assistance in completing them, can be found at the
Social Security Administration office, cards, patient assistance programs and or the Michigan Medicare/Medicaid other drug savings programs is now Assistance Program (MMAP) office. updated for Medicare Part D. It is STEP TWO, in the Fall, will be to available as a web-based service, select the specific prescription plan www.accesstobenefits.org, which can that fits each person’s needs. Each plan streamline enrollment for Medicare may cover a different set of drugs and Part D’s low-income subsidy. Another have other variations and costs. MMAP website with good comparative can provide excellent assistance in information is through AARP, sorting out which plan best fits your www.aarp.org/bulletin/medicare/ needs. benefit_rollout.html. The computer database used by the Region 3A AAA in 2004–2005 Social Security Administration . . . . . . . . . . 269-381-2313 to assist Medicare Michigan Medicare/Medicaid beneficiaries with Assistance Program . . . . . . . . . . . . . . 1-800-803-7174 enrollment in 3A AAA Information & Assistance. . . . . . . 269-373-5173 Medicare discount
Area Agency on Aging of Western Michigan Serving Allegan, Ionia, Kent, Lake, Mason, Mecosta, Montcalm, Newaygo and Osceola counties
Senior Employment Program Offers On-the-Job Training
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hen Bill Carr joined a support group for visually impaired persons, he never dreamed it would lead him on the path to a new job. “I had retired, but [now] I can’t stop working,” he says. “Instead of staying home saying ‘Woe is me,’ I’m out helping people.” Carr went from being a participant to being a group facilitator in Allegan County, thanks to skills he learned through the Senior Community Services Employment Program (SCSEP). “We saw that Bill had potential, but we had no way to use his talents until we received Title V funding for the SCSEP job training,” says Richard Stevens, executive director of the Association for the Blind and Visually
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Impaired (ABVI). “It’s been good for him, us and the community.” Carr was
Bill Carr enjoys a picnic for the low-vision group he leads in Allegan County.
such an asset that ABVI obtained other grant money to hire him as a regular parttime employee. SCSEP is a federally-funded program that provides low-income adults who are at least 55 years old with on-the-job training. “An enrollee is typically someone who is re-entering the workforce,” says Sherry Johnson Woolley of the Area Agency on Aging of Western Michigan, job developer for SCSEP. “If you provide a job training opportunity, we will provide the salary.” The Area Agency on Aging of Western Michigan administers SCSEP in all of its West Michigan counties except Lake, and recently added Muskegon and Ottawa counties. To learn more about SCSEP, call 1-888-456-5664. Michigan Generations
NEMCSA Region 9 Area Agency on Aging Covering 12 counties of Northeast Michigan
MMAP Assists Consumers
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he Michigan Medicare/Medicaid Assistance Program (MMAP) is a FREE counseling service for Medicare/Medicaid beneficiaries and their caregivers. MMAP provides personal assistance to help The MMAP State Coordinator of the Year award was presented to Dawn consumers underJacobs, elder advocacy services manager with the Area Agency on Aging Region stand physician 9/NEMCSA. Pictured (left to right) are Esther Page-Wood, MMAP Steering bills, hospital bills Committee member; Lisa Trumbell, MMAP assistant director; award recipient Dawn Jacobs; Mary Johnson, MMAP director; and Neelam Puri, Office of and Medicare Services to the Aging MMAP project manager. Summary Notices. appeals. The counselors can also help MMAP counselors assist consumers identify resources for prescription with Medicare/Medicaid eligibility, drug assistance and help persons enrollment, coverage, claims and
enroll in Medicare Saving Programs. In addition, if a consumer is in need of a review of Medicare supplemental insurance needs, comparisons of policies or assistance in pursuing claims and refunds, a MMAP counselor can help. Counselors are also knowledgeable about health care options under managed care and the Medicare Advantage Plan (Medicare + Choice). MMAP counselors are specialists trained in Medicare and Medicaid law and health insurance counseling. Their purpose is to serve you objectively and confidentially. When you call the MMAP toll-free number, you will be connected with the MMAP office in your community. For information, call 1-800-803-7174 or visit our website at www.MyMMAP.org.
Area Agency on Aging of Northwest Michigan Offering information and funding senior services in the 10-county area of Northwest Lower Michigan
SCP Celebrates 20 Years of Service
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he Senior Companion Program (SCP) of Northwest Michigan, sponsored by Catholic Human Services, Inc., is celebrating 20 years of service in providing a helping hand and companionship to area seniors.When the SCP was established in 1985, it coordinated the services of 12 Senior Companions in providing 48 seniors with 4,300 hours of service.Thus far in 2005, 61 Senior Companions have already provided 440 seniors with 44,680 hours of service! The Senior Companion Program is unique in that it serves not only the referred seniors, but also the Senior Companions themselves. Many Senior Companions have reported that the program and the seniors that they visit Fall 2005
and accident and liability insurance while on duty. give them a reason Each week a to get up in the Senior Commorning and a purpanion can be pose in life.The found assisting Senior Companion their adult Program provides friends in basic opportunities for Senior Companion volunteer Blanche Bock (right) is but essential older adult volsharing a meal with her friend at Nancy’s Restaurant in Benzie County. ways, such as unteers to stay assisting with active and progrocery shopping or errands, offering ductive through meaningful service in a ride to the doctor, sharing a meal, their communities. talking about old times and new Senior Companions are 60 years or challenges, easing their loneliness older and live on a limited income. In and/or providing short periods of exchange for their service, the Senior relief to caregivers. Companion receives a modest tax-free To learn more about serving as a stipend, reimbursement for mileage Senior Companion in your community, and meals, earned vacation and sick call 1-800-658-8554. time, an annual physical examination 17
Upper Peninsula Area Agency on Aging Serving all 15 counties of Michigan’s Upper Peninsula
U.P. AAA Joins Cash and Counseling Program
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he State of Michigan will participate in a national model program called “Cash and Counseling.” It is designed to help people in need of long-term care improve their quality of life by taking more control of their health care. U.P. AAA has been selected as one of four “pioneer” sites to test this new system. The Cash and Counseling approach provides long-term care consumers with a flexible monthly allowance that is based on an individual budget, allowing the person to direct and manage their own personal assistance services and address their own specific needs. The innovative program also offers counseling and fiscal assistance to help consumers manage their allowance
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and responsibilities by themselves or with the aid of a representative.These main features are adaptable to people of all ages in need of long-term care. The Cash and Counseling demonstration will be built into the current MI Choice Waiver and Care Manage-
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MMAP volunteer counselors are available in person or by telephone. If you cannot get out or don’t have transportation, a counselor will come to your home to help you make knowledgeable decisions. MMAP is also designated by the Centers for Medicare and Medicaid Services to be one of the primary providers of information and assistance to help Medicare beneficiaries understand and enroll in the new Medicare Prescription Drug Program, which starts on January 1, 2006. Beginning November 15, 2005, Medicare beneficiaries will have the option to enroll in this new benefit. MMAP is continuing to receive up-to-date information from CMS on this prescription drug benefit, and we are sharing the information with our trained counselors and volunteer coordinators. Complete details on the various Medicare prescription drug plans are not anticipated until after October 1, 2005. Once the federal government has released details, MMAP counselors will be able to assist you in determining which plan may best suit your needs. In the interim, counselors can address questions on the low-income subsidy component and answer general questions on the program. MMAP is also working closely with the Social Security Administration in assisting individuals to understand and complete the Social Security application form to qualify for extra help with Medicare Prescription Drug Plan costs. Sub18
ment Program. It will become an available option to existing participants and to new enrollees over the course of the next two years.The first several months of the project will be devoted to identifying existing barriers in the MI Choice Waiver and Care Management process that need to be addressed in order to actually implement the Cash and Counseling process, and to training AAA Care Management staff in the new philosophy. Actual enrollment of program participants will begin in March 2006. For more information on the Cash and Counseling program or on the MI Choice Waiver and Care Management Program, please call the U.P. Senior Help Line at 1-800-338-7227.
sidized plans are available for most people with resources less than $11,500 if single (or $23,000 if married). If you haven’t received an application or information regarding extra help and think you may be eligible, you should apply. MMAP counselors can assist in determining your eligibility or can answer questions on how to complete the Social Security form. Remember that your local MMAP counselor is an excellent resource for any questions you may have on this new benefit or other aspects of Medicare, Medicaid or long-term care insurance. A local MMAP counselor can be reached Monday through Friday during regular business hours at 1-800-803-7174, or you may call this number if you are interested in becoming a MMAP counselor. MMAP is dedicated to making a positive difference in the lives of those we serve through the best possible beneficiary counseling service. For more information on MMAP, visit our website at www.mymmap.org. MI LISA TRUMBELL is the assistant director of the Michigan Medicare/ Medicaid Assistance Program. Michigan Generations
RESOURCE GUIDE for Michigan Caregivers Clip and Save this list of contact information. It includes national resources and services, as well as important names and numbers for most regions in Michigan. National Organizations AARP Alzheimer’s Association
1-800-424-3410 www.aarp.com 1-800-272-3900 www.alz.org
American Cancer Society 1-800-227-2345 www.cancer.org American Diabetes Assn. 1-800-342-2383 www.diabetes.org American Heart Assn. 1-800-242-8721 www.americanheart.org Eldercare Locator 1-800-677-1116 www.eldercare.gov National Mental Health Association National Stroke Assn.
1-800-969-6642 www.nmha.org 1-800-787-6537 www.stroke.org
Statewide Resources Medicare/Medicaid Assistance Program (MMAP) 1-800-803-7174 Michigan Office of Services to the Aging www.miseniors.net
Regional Resources Detroit Area Agency on Aging (1A): Information and Referral 313-446-4444 Detroit Mayor’s Office 313-224-3400 Other City Offices Grosse Pointe Grosse Pointe Farms Grosse Pointe Park Grosse Pointe Shores Grosse Pointe Woods Hamtramck Harper Woods Highland Park
313-885-5800 313-885-6600 313-822-6200 313-881-6565 313-343-2440 313-876-7765 313-343-2500 313-252-0022
Area Agency on Aging 1-B: Information and Referral 1-800-852-7795 Catholic Social Services of Washtenaw County 734-971-9781 Citizens for Better Care 1-800-833-9548 Greater Detroit Agency for the Blind and Visually Impaired 313-272-3900 Oakland Livingston Human Service Agency (OLHSA) — Oakland 248-209-2600 Oakland Livingston Human Service Agency — Livingston 517-546-8500 The Council on Aging, Inc., serving St. Clair County 810-987-8811 The Macomb County Dept. of Senior Citizen Services 586-469-6313 The Monroe County Commission on Aging 734-240-7363 Region 2 Area Agency on Aging: Information and Referral 1-800-335-7881
Fall 2005
Lenawee Department on Aging 517-264-5280 Jackson Department on Aging 517-788-4364 or 1-800-788-3579 Hillsdale County Senior Services Center 517-437-2422 or 1-800-479-3348 Kalamazoo Co. Health & Community Services Dept. Region 3A: Information and Referral 269-373-5173 Long-Term Care Ombudsman Program 269-373-5157 Caregiver Resource Center 269-978-0085 or 1-866-200-8877 Branch-St. Joseph Area Agency on Aging Region 3C: Information and Referral 517-279-9561 or 1-888-615-8009 Branch Co. Comm. on Aging/H. & C. Burnside Senior Center 517-279-6565 St. Joseph County Commission on Aging 269-279-8083 or 1-800-641-9899 Region IV Area Agency on Aging: AAA Senior Info-Line 1-800-654-2810 Care Connections of Southwest Michigan 269-982-7746 or 1-800-442-2803 Senior Centers Benton Harbor Berrien Springs Niles Buchanan Cassopolis Coloma Harbert South Haven St. Joseph Covert Adult Day Care Benton Harbor Paw Paw Cassopolis Niles
269-927-2497 269-471-2017 269-683-9380 269-695-7119 1-800-323-0390 269-468-3366 269-469-4556 269-637-3607 269-983-7768 269-764-8378 269-934-7355 269-657-0520 1-800-323-0390 269-687-9577
Valley Area Agency on Aging (Region 5): Information and Referral 810-239-7671 or 1-800-978-6275 Catholic Charities, Spanish-speaking 810-239-4417 Citizens for Better Care 1-800-284-0046 Communication Access Center 810-239-3112, TDD: 810-239-3112 Genesee County Health Department 810-237-4751 Hispanic Service Center 810-724-3665 Lapeer Co. Health Dept. 810-667-0391 Lapeer Dept. of Senior Activities 810-724-6030 Legal Services of Eastern Michigan 810-234-2621 or 1-800-339-9513
Shiawassee Council on Aging 989-723-8875 Shiawassee County Health Department 989-743-2355 Visually Impaired Center 810-235-2544 Tri-County Office on Aging (Region 6): Information and Assistance 517-887-1440 or 1-800-405-9141 Project Choices 517-887-1440 or 1-800-405-9141 For in-home service assistance and the Medicaid home/community-based services waiver (MI Choice) Meals-On-Wheels Greater Lansing 517-887-1460 or 1-800-405-9141 Clinton County 989-227-3409 or 1-800-852-9272 Eaton County 517-541-2330 or 1-866-541-5444 Rural Ingham County 517-676-2775 Senior Dining Site Information 517-887-1393 or 1-800-405-9141 AARP Tax Assistance 517-887-1440 or 1-800-405-9141 Region VII Area Agency on Aging: Information and Referral 1-800-858-1637 Alzheimer’s Association of Mid-Michigan 1-800-337-3827 Citizens for Better Care (Nursing Home Advocacy Ombudsman) 1-800-284-0046 Lakeshore Legal Aid 1-866-552-2889 MI Choice Medicaid Waiver Program 1-800-858-1637 Bay Co. Division on Aging 989-895-4100 Clare County Council on Aging 1-800-952-3160 Gladwin County Council on Aging 1-800-952-0056 Gratiot County Commission on Aging 989-875-5246 Human Development Commission (Huron,Tuscola and Sanilac counties) 989-673-4121 or 1-800-843-6394 Isabella County Commission on Aging 1-800-878-0726 Midland County Council on Aging 1-800-638-2058 Saginaw County Commission on Aging 1-866-763-6336 Area Agency on Aging of Western Michigan (Region 8): Information and Referral 1-888-456-5664 In Kent County ACSET Latin American Services 616-336-4018 Continued on next page 19
RESOURCE GUIDE Continued from page 19 Native American Community Services 616-458-4078 Senior Neighbors 616-459-6019 United Methodist Community House 616-241-1645 Outer Counties (I & R or Outreach) Mecosta County Commission on Aging 231-972-2884 Newaygo County Commission on Aging 231-689-2100 Ionia County Commission on Aging 616-527-5365 Allegan County Resource Development Committee 269-673-5472 Montcalm County Commission on Aging 989-831-7476 Saint Ann’s Lake County Senior Services 231-745-7201 Osceola Commission on Aging 231-734-5559 Ludington Area Senior Center 231-845-6841 NEMCSA Region 9 Area Agency on Aging: Information and Referral 989-356-3474 Multi-purpose Senior Centers Alcona County Commission on Aging 989-736-8879
Alpena Area Senior Citizens Council 989-356-3585 Arenac County Council on Aging 989-653-2692 Cheboygan County Council on Aging 231-627-7234 Crawford County Commission on Aging 989-348-7123 Iosco County Commission on Aging 989-728-6484 Montmorency County Commission on Aging 989-785-2580 Ogemaw County Commission on Aging 989-345-5300 Oscoda County Council on Aging 989-826-3025 Otsego County Commission on Aging 989-732-1122 Presque Isle County Council on Aging 989-766-8191 Roscommon County Commission on Aging 989-366-0205 Long-Term Care Ombudsman 1-866-485-9393 Bureau of Health Services (nursing home complaints) 1-800-882-6006 Department of Consumer Industries (adult foster care complaints) 1-866-685-0006
Area Agency on Aging of Northwest Michigan (Region 10): Information and Assistance 1-800-442-1713 Antrim County Commission on Aging 231-533-8703 Benzie County Council on Aging 231-325-4851 or 1-888-893-1102 Charlevoix County Commission on Aging 231-237-0103 Friendship Centers of Emmet County 231-347-3211 Grand Traverse County Commission on Aging 231-922-4688 or 1-877-686-4688 Leelanau County Commission on Aging 231-256-7590 or 1-866-929-9400 Kalkaska County Commission on Aging 231-258-5030 Legal Services of Northern Michigan 231-941-0771 or 1-888-941-9599 Manistee County Council on Aging 231-723-6477 Missaukee County Commission on Aging 231-839-7839 Wexford County Council on Aging 231-775-0133 NW Michigan Human Services Agency 231-947-3780 or 1-800-632-7334 Upper Peninsula Area Agency on Aging (Region 11): Senior Help Line 1-800-338-7227
SPONSORS Health & Home Services Unlimited, Inc.
Visiting Physicians
Care, companionship and peace of mind. In-home or wherever your residence may be! We specialize in meeting your needs — from personal care to home maintenance. Insured and bonded. 1-800-314-8718.
Providing compassionate, high-quality medical care in the home. We serve communities across Michigan, Ohio, Chicago, Atlanta and Milwaukee. Services are covered by Medicare and most other insurances. Call 1-877-HOUSE-CALL or visit www.visitingphysicians.com.
Presbyterian Villages of Michigan Senior Living Communities Celebrating 60 years of serving seniors of all faiths throughout Michigan. To find out more, visit our website, www.pvm.org, or call 1-313-537-0000 for a brochure describing the variety of housing and services Presbyterian Villages of Michigan offers.
Thanks to these companies and organizations for their generous support. For more information on becoming a sponsor of Michigan Generations, please call Jenny Jarvis at 248-262-9202 .