FOR THE ACTIVE, EXPERIENCED CENTRAL OREGONIAN • HEALTH, LIFESTYLE, ENTERTAINMENT & ADVICE
Ageless WINTER 2013
AMBASSADORS OF
POWDER
Offering assistance, advice on the slopes
EATING WHOLE FOODS GRAND KINSHIPS Sponsored By
In Partnership With
ADVER T I S ING SUPPLEMEN T
2 | Ageless | The Bulletin
Ageless
Winter 2013
Ageless Features The Friendly Faces on Mt. Bachelor ........................... 5 Mt. Bachelor Ambassadors Program has become a magnet for retired volunteers passionate about winter sports.
Processed by Nature ................................................. 11 Eat a whole foods diet for a healthier you.
Exploring Gina’s Italy ...............................................19
Photo courtesy of Gina Mannis
After years of organizing trips to Italy, Gina Mannis has perfected creating the most authentic experience possible.
Grand Kinships .........................................................30 Forging strong bonds with grandchildren offers a mix of simplicity and challenges.
Information & Advice Contributors ................................................................................. 4 Benefits of Volunteering .............................................................. 9 Whole Foods Recipe .................................................................. 13 Medicare Advice: Understanding Timelines ............................. 14 How Aging Takes a Toll on the Eyes ......................................... 16 Welcome Home: Trends for Aging in Place ............................... 18 Novel Ideas: Sharing Life Discussions ...................................... 22 Planning for the Long Road Ahead ........................................... 24 New Urbanism: Senior-Friendly Neighborhoods ...................... 27 Legal Advice: Avoid Crisis, Be Prepared for 2013...................... 33
COCOA News Message from the Director: Information Age at Any Age ........ 35 Central Oregon Senior Nutrition Sites....................................... 37 Events Calendar ......................................................................... 38
A magazine featuring health, entertainment, lifestyles and advice for the active, experienced Central Oregonian. Ageless
is a product of The Bulletin’s Special Projects Division, 1777 SW Chandler Ave., Bend, OR 97702, and printed by The Bulletin Western Communications Commercial Print Division. Ageless is produced in partnership with the Central Oregon Council on Aging. All content is the property of The Bulletin/Western Communications, Inc. and may not be reproduced without written permission.
Ageless Staff Members Martha Tiller, Special Projects Manager Ben Montgomery, Special Projects Editor Stacie Oberson, Special Projects Coordinator Nicole Werner, Special Projects Image and New Media Christopher L. Ingersoll, Special Projects Assistant Clint Nye, Graphic Designer Jay Brandt, Advertising Director Steve Hawes, Advertising Sales Manager Story ideas may be submitted for consideration to Ben Montgomery, editor. Contact him at 541-383-0379 or via e-mail at bmontgomery@bendbulletin.com. For advertising, call 541-382-1811. Published Thursday, January 31, 2013 To subscribe or learn more about all our publications, please call 541-385-5800 or visit us at www.bendbulletin.com. Cover models: Steve Coats and Walt Freud (in reflection); Photo by Nicole Werner.
Ageless | Winter 2013 | 3
ROSACEA TREATMENT, V-BEAM $249 or $699 for 3 Treatments AGE SPOT REMOVAL $150 per area Face, Chest or Hands V-BEAM LASER TREATMENTS
Ageless CONTRIBUTORS ANNISSA ANDERSON, a Bend freelance writer and public relations consultant, is also a culinary school grad and worked as a pastry chef. She writes regularly for The Bulletin and other local publications and was a contributing writer in a recent edition of Best Places Northwest. Though she’s lived in the Northwest for the past 20 years, she spent her childhood living and traveling abroad. Writer and singer/songwriter LAUREL BRAUNS is a regular contributor for The Bulletin, Bend Living and VisitBend.com. She is currently teaching guitar and exploring Bend’s legendary running trails. She performs music around town with her band, the Sweet Harlots.
An avid crocheter and origamist, JOHN CAL worked as a baker, head chef, ukuleleist and snowcat driver before settling into writing. He enjoys filling his time with yoga, postcard writing and collecting bowties. John also collects candy from around the world — he has a 100-plus specimen collection (and counting) — and lives in Sisters with his dog, Hank. Former Bulletin business reporter turned international teacher, JEFF MCDONALD, has returned to Bend following a three-year sojourn in the Middle East. When he’s not traversing the globe, he enjoys the seasons, the laid-back culture, and the people of Bend.
Enthusiastic and outgoing, BRIDGET MCGINN enjoys meeting new people and sharing their stories. She spends her days working as a marketing and advertising professional, making photos or documentary films and spending time with her family. She may also be seen being dragged along the end of the leash of her newly adopted beagle puppy.
The V-beam Laser is an advance pulsed dye laser that acts to decrease evidence of age, decrease fine lines and wrinkles and sun damage. It is very effective in reviving the skin and decrease pore size.
GREGG MORRIS is a local freelance writer and musician. You can find him around town finishing articles at the local tea shop, performing with his band Organic Music Farm or homeschooling his six year old daughter. Supposed free time is spent in the woods with his wife and daughter or skillfully executing his duties as a member of the Deschutes County Search and Rescue team.
The V-beam Laser is the MOST effective laser in treatment of rosacea, facial veins and scars. It is also used in the treatment of sun damage, stretch marks and wrinkles.
KATHY OXBORROW owns Oxborrow Consulting, which assists public and nonprofit agencies. She grew up on a Nevada cattle ranch and returned to her roots after stints in San Francisco and Portland. She lives near Bend and enjoys riding her horse Sara.
NATE PEDERSEN is a community librarian with Deschutes Public Library. He also moonlights as a freelance journalist. He lives in Bend with his author wife, April Tucholke, and their, dog. His website is natepedersen.com.
(541) 318-7311
www.northwestmedispa.com 447 NE Greenwood • Bend 4 | Ageless | The Bulletin
nw me dispa
BUNNY THOMPSON is an internationally published freelance writer. She cruised on a sailboat for six years and published travel and adventure articles in national and international magazines such as Sail, Cruising World, Southern Boating and Island Scene. She lives in Sisters and writes for regional magazines, publishes a Blog called Tales from Wild Goose, and is an avid cook and outdoor enthusiast.
Boundless: MT. BACHELOR AMBASSADORS PROGRAM HAS BECOME A MAGNET FOR RETIRED VOLUNTEERS PASSIONATE ABOUT WINTER SPORTS. by Jeff McDonald, for The Bulletin Special Projects Photos by Christopher L. Ingersoll & Nicole Werner
There may be a few ski bums working in the Mt. Bachelor Volunteer Ambassadors program, but slackers need not apply. That’s because the easy-to-spot volunteers — many who are retired ski bums — take their duties on the mountain seriously. While driving snow during a December storm made visibility low near West Village Lodge, it was easy to spot a smile on one volunteer’s face. “This is really not so bad,” said Bill Givens, 73, a retired insurance broker from Seattle who has skied at Mt. Bachelor since the 1970s. “The real reward comes in March or April when we have blue skies and perfect weather.”
The Smiling Faces on
MT. BACHELOR
Walt Freund, Mt. Bachelor Ambassador
Ageless | Winter 2013 | 5
“Most of these folks are highly educated — they got out of college and wanted to be a ski bum, but life, love or career got in the way. Now they’ve retired, they have plenty of time, and they get to thinking, ‘What do I want to do? I want to be a ski bum.’” T he volu nt e er A m ba s s ado r s program, which started in 2000, has become a magnet for retirees who once may have deferred their mountain dreams but never quite put their skis away, said Jonathan Sharpe, mountain services manager who oversees the program at Mt. Bachelor. “Most of these folks are highly educated — they got out of college and wanted to be a ski bum, but life, love or career got in the way,” he said. “Now they’ve retired, they have plenty of time, and they get to thinking, ‘What do I want to do? I want to be a ski bum.’” Roughly 75 percent of t h e pro g r a m’s 8 5 ambassadors
are over the age of 55, Sharpe said. Retirees are attracted to the program because they have the time and experience to fill so many different roles on the mountain, he said. Like other long-time skiers at Mt. Bachelor who have joined the Ambassadors program, Givens lived through a lot of its history, including jaunts in the woods with Bill Healy, one of the mountain’s founders. “He was a super guy,” Givens said of Healy, who died in 1993. “He was a real gentle soul.” He also remembers getting up on the hill on Red Chair in the days before h igh-s peed, det achable chairlifts that bestride the mountain today. “It was touch and go,” he said off the first lift experiences. “You just sat on (the chairlift). There was no bar and nothing to hold on to. It was super slow.”
Givens’ favorite place to help is off the Sunrise Express lift, where younger, less experienced skiers and boarders typically frequent. He also gives guided tours of the ski area, but volunteers are not allowed to take guests into the woods, he said. Another volunteer, Danil Hancock, 72, said the volunteer program has allowed him to give back after nearly two decades of winters on the mountain. In fact, the retired OSU o ce a nog r apher, who ha s participated in the program since it began and worked six years in the National Ski Patrol at Mt. Bachelor before that, counts himself fortunate to be able to give back to the sport he has enjoyed his entire life. “We’re here strictly for making guests’ experiences pleasurable,” said Hancock, an all-weather skier with a chapped face and a prominent white beard. His favorite duties include giving
guided tours around the mountain, pointing out the most recently groomed runs, and pointing skiers in the direction of the lodge, he said. Like Hancock, other volunteers take their duties seriously. The daily 8:15 a.m. meetings have the feel of a military debriefing. In the place of the PowerPoint, there is light banter, with discussion that revolves around a three-page memo that each of the ambassadors received via email the night before. The memo list s any mount ain updates — weather and ticket price changes, lift openings and closures, and ski school announcements, for example — which ambassadors need
Steve Dodson, Mt. Bachelor Ambassador
6 | Ageless | The Bulletin
to know for the upcoming day. “You don’t have to memorize this stuff,” said Audra Stamm, Mt. B achelor’s mou nt a in services supervisor, to a group of ambassadors at a morning briefing last month. “When you are asked in-depth questions about the ticket prices or the ski school, just take them to the correct place where they
can get the information.” Ambassadors split their days in halves — one half is spent on the slopes and the other half is spent closer to the mountain’s base, welcoming g uest s and helping children with their skis, or providing information when it’s needed. For Walt Freund, who has been skiing Mt. Bachelor since the 1970s,
standing out and helping others is not a hard thing to do. “Now just smile and pretend you don’t like each other,” joked Freund, before taking a picture for a group of out-of-town snowboarders in the lodge’s cafeteria. For t he 5 4 -ye a r- old F reu nd, who works as a farrier year-round in Central Oregon, putting on the ambassador’s red jacket is a fitting role for someone with a bold and friendly demeanor. “It’s perfect because I already act this way,” he said. “I love being able to talk to people and meet new people.” Not as much of a hardcore skier as others in the program, Freund says his experience has grown rich due to the variety of tasks he performs and the people he has met. “I would probably get bored if I just rode to the top of the mountain and rode down,” he said. “I’d rather be doing this than horseshoeing in the winter. This work is just fun.”
Our patients push boundaries, reach higher and achieve great things.
Don’t let chronic pain, reduced range of motion or damaged joints hold you back. Meet with our team for an evaluation to determine your personalized treatment plan.
Rapid Access
18 MEDICAL PROVIDERS AND SURGICAL SPECIALISTS FRACTURE & TRAUMA CARE KNEE & HIP REPLACEMENT HAND, WRIST & ARM FOOT & ANKLE KNEE & SHOULDER SPINAL TRAUMA & DEFORMITY SPORTS MEDICINE PHYSICAL MEDICINE & REHABILITATION PEDIATRIC CONGENITAL PEDIATRIC TRAUMA FLOROSCOPIC GUIDED INJECTIONS
SAME DAY APPOINTMENTS FOR ACUTE INJURIES
BEND: 1303 NE CUSHING DR., 541-388-2333 | REDMOND: 1315 NW 4TH ST., 541-548-9159 | www.DesertOrthopedics.com Ageless | Winter 2013 | 7
Pilot Butte Rehabilitation
Specializing In Short-Term Stays:
A licensed Medicare and Medicaid provider
Physical, Occupational and Speech therapies Skilled nursing care • Recovery from surgery Joint replacement • Strokes Accidents • Fractures
541-382-5531 1876 NE Highway 20, Bend, Oregon
Cascade View Nursing
Specializing In Long-Term Stays:
A licensed Medicaid services provider
Alzheimer’s Memory Care Unit Non-Medicare therapy services 24-hour nursing care Excellent annual survey history Adjacent to Summit Assisted Living
541-382-7161 119 SE Wilson, Bend, Oregon
CASCADE VIEW
The Summit Assisted Living
NURSING CENTER
Three home-made meals daily & snacks All utilities except telephone & basic cable • Weekly housekeeping Complementary laundry facilities • 24-hour staffing Scheduled transportation • Emergency call system Planned recreational, social outings, & activities Use of community common areas, private dining room, & library Pets welcome upon approval
THE SUMMIT ASSISTED LIVING A Regency Pacif ic Community
8 | Ageless | The Bulletin
541-317-3544 127 SE Wilson Ave Bend, Oregon
Ageless TO YOUR HEALTH
by Bunny Thompson, for The Bulletin Special Projects
Volunteerism creates a win-win situation for those who give time for important causes. Volunteering your time and talents has many advantages but for seniors, the benefits can extend far beyond a few hours a week. More than 26 million senior citizens in the U.S. volunteer some of their time each month and, if ever there was a “win-win” situation, senior volunteerism is a stellar example. Research has shown that seniors contr ibute more hours than any other age group, are more likely to continue with their volunteerism and have a loyalty to the organizations where they volunteer making them an increasingly valuable resource. Several studies were compiled into a report published by the Corporation for National and Commu nit y Service titled The Health Benefits of Volunteering: A Review of Recent Research. Among the findings, the researchers concluded that:
Volunteering builds self-confidence, self-worth and self-identity and proves to seniors and others that they still have much to offer K r i s t i na B a r r ag a n, Volu nt e er Manager at Central Oregon Council on Aging, says many of their programs
Volunteers have a better social network since they get out of their homes and interact with others This social engagement tended to reduce stress and depression, conditions of ten associated with aging Volunteering leads to a more active lifestyle, both physically and mentally, extending a seniors’ quality of life as they age An active lifestyle also helps boost the body’s immune system protecting against infection and illness
depend heavily on the involvement of senior volunteers. “For so many of our programs like Meals on Wheels and Family Caregiver Support, the volunteer is the real-time connection to the outside world. Seniors have the
time to spend talking to these people in their homes. They are often the first ones to notice if an elderly person is losing weight, not eating, or having mental problems.” Bet sy War r iner saw a need to pair volunteers with meaningful opportunities in our area. Many of these are recent retirees who have moved to Bend from other cities. “When people retire, they often feel disconnected and out-of-touch,” Warriner said. “From my personal experience of volunteering, I think it’s important to find a volunteer opportunity that challenges you. For me, volunteering is like a crossword puzzle. You volunteer and then find yourself trying to figure out how to do the best job you can. It’s satisfying and a great chance to do something that’s different from your work or daily life.” Accord i ng to t he I n st it ute of Ageless | Winter 2013 | 9
Volunteer Opportunities If you’re ready to volunteer, here are a few tips to get you started.
Visit Volunteer Connect
According to Betsy Warriner, former executive director of Volunteer Connect and now board president, evaluate yourself and your intentions for volunteering. “Think about how much time you’re willing to give, what it is you enjoy doing and what you have to share,” she said. Then call, drop by or visit the online website for Volunteer Connect and give it a try. There are more than 350 opportunities in the Central Oregon area to volunteer from a one-time basis or a weekly commitment. Visit Volunteer Connect at www.volunteerconnect.org, or call them at 541-385-8977.
Read The Bulletin
It’s been keeping tabs on the Central Oregon community for 110 years, and each week The Bulletin offers would-be volunteers with a listing of volunteer opportunities currently available throughout the area. Called “Volunteer Search,” this listing prints in the Community Life section of The Bulletin’s Sunday edition, available by subscription (541-385-5800) or on newsstands through Central Oregon. In addition, The Bulletin annually creates and publishes the area’s most comprehensive listing of nonprofit organizations in Deschutes, Crook and Jefferson counties. Called Connections, this special publication is filled with information about all types of nonprofit organizations offering shelter, food, housing, security, education, advocacy, health and creative services to people of all ages. Many of these organizations continually seek volunteer services. Visit www.bendbulletin.com/speciapubs to view the 2013 edition of Connections, or call 541-385-0385 to get your own copy.
Seek References
Talk to your friends who are involved with a volunteer project and ask what they like about it, how much time they spend, and if there are other opportunities available.
Follow Your Heart
Do you have a specialty or interest that grabs your heart? Search out an organization that might need some assistance. If you like to work with animals, try the Humane Society. If you enjoy helping people who are hospitalized, call St. Charles Hospital. You’ll find people are always willing to help you find the volunteer position that works best for you.
Volunteering Research, volunteer work helps seniors “maintain a sense of purpose and self-respect, particularly for those who have retired from paid work.” Larr y Weinberg, a 69-year-old volunteer for the Deschutes Land Trust and several other organizations in Central Oregon, car r ies this concept a bit further. “People are often asked ‘What do you do?’. When you retire, you don’t really have an answer. Volunteering gives you an answer. It gives you a purpose and an internal sense of satisfaction and accomplishment. Weinberg moved to Bend seven years ago after retiring from Boeing Corporation as an Environmental Manager. He wanted to meet other people in his new community and felt a need to give back, so he looked in the Bulletin, saw an announcement asking for volunteers for a wed pull at Indian Ford Preserve in Sisters,
and he showed up at the appointed time. “It’s funny, but pulling weeds in your own backyard might be a chore. When you join others doing it, it becomes a social thing and very relaxing.” Weinberg eventually started the Weed Warrior program at the Land Trust connecting a core group of people willing to come out on a regular basis (to a beautiful place) and pull weeds together. “ W hen you’re lo ok i ng for a volunteer opportunity, you may have to shop around,” Weinberg says. “It’s important to find something that touches your own core values. Try several things until you find something that works for you and something that you’re willing to stick to. I want to volunteer as long as I’m physically and mentally able. The act of volunteering helps to insure I’m able to stay physically and mentally able. It’s a circular system!”
Betsy Warriner, photo by Christopher L. Ingersoll
Write your life history Write your life story and leave a path for your children, grandchildren and future generations to follow. Give them the opportunity to see how you got to be the person you are today. Suzy Beal’s workbook called “The Autobiography of…” will get you started on this journey. For more information on her workbook or to sign up for Suzy Beal’s class through COCC starting February 23 – March 30, 2013 check out her website at: www.writeyourlifehistory.com Click on “Author” then “Upcoming Events” for the class. 10 | Ageless | The Bulletin
NMLS ID 98161
Ageless TO YOUR HEALTH
Processed by
Nature by Annissa Anderson, for The Bulletin Special Projects Photos by Nicole Werner
Eat a whole foods diet for a healthier you. Eating a whole foods diet doesn’t mean shopping exclusively at one store. It also does not require that you limit the variety of foods you eat; in fact, it can open up your choices substantially. Choosing to eat a diet that consists mostly of whole foods simply means that your foods will be more nutrient-dense and free of unnecessary additives. A “whole food” is any natural food in its most basic form. All fruits, vegetables, grains, seeds and nuts unprocessed and in their original skin are whole foods. But raw milk, fresh seafood and meat are also whole foods, until they have been pasteurized or processed. Whole foods are all around us, but whether we choose them in their pure form or after they have been altered and processed has the potential to greatly affect our health. “The benefit of eating whole foods is more nutritional bang for your buck,” said Eris Craven, a registered dietician with HomeCare IV in Bend. “This benefit is especially important as we age,” she
Ageless | Winter 2013 | 11
said, “as our calorie needs decrease, for the most part, but our nutritional requirement s do not decrease. Because of this, it is more important than ever to eat a nutrient-dense diet.” While eating a diet entirely of whole foods would be daunting to anyone, cooking with mostly whole food ingredients is a good way to start. Another way to think of this is eliminating boxed or prepared foods from your diet and instead creating combinations of foods from whole ingredients. Even enriched products do not offer the benefits of whole foods. “There are thousands of nutrients found in a whole food,” said Craven. “ T here a re not t hou s a nd s of nutrients found in enriched products or in multivitamins.” The nutr ient s lost dur ing ref i nement a re no t t h e o n l y disadvantage of eating processed foods. What is added can also be a problem. Added sugars, salt and unhealthy fats are the biggest dangers of eating a diet laden with processed foods, even for healthy people. Add on an existing chronic disease such as diabetes, high blood pressure, high cholesterol, or heart disease and it is even more crucial to avoid processed foods altogether, or read labels closely to avoid taking in unhealthy amounts of sugars, salt and unhealthy fats. Foods included in a whole food diet should be fresh, seasonal and organic when possible, for maximum nutr ition. But whole foods can be any food in its whole form. An apple, raw almonds, salad greens, and fresh avocado slices are all whole foods. Whole foods can also be cooked. Cooked brown rice, a sautéed chicken breast or steamed asparagus are also whole foods. Choosing to use these ingredients as a basis for a meal or snack can be challenging, especially if they require more time and energy to prepare than processed foods. “For most people, the biggest challenge is choosing the whole food over the foods they may prefer,” said Craven. 12 | Ageless | The Bulletin
If processed foods currently make up the majority of what you eat, said Craven, it is extremely helpful to eliminate processed foods from the cupboard before attempting to eat a whole foods diet. Changing the home environment to one that is more conducive to healthy eating is a recipe for success in its own right. This includes eliminating all artificial flavors, colors, preservatives, added sweeteners and hydrogenated fats from your diet.
online resources make this easier than ever. A wealth of healthy cooking websites, as well as printed cookbooks and magazines, are readily available. Craven’s favorite websites for healthy recipes are CookingLight.com and EatingWell. com. These magazines can also be found at grocery stores and at the public library. “Using common sense when choosing recipes is important,” said Craven. If a recipe using broccoli
“There are thousands of nutrients found in a whole food. There are not thousands of nutrients found in enriched products or in multivitamins.” “Typically to be successful with eating more whole foods, other changes need to occur beyond having the whole foods choice ava i lable,” s a id Cr aven about patients that have been successful in making this important dietary change. “You also need to get rid of the processed choices that you would choose over the whole food choices,” she said. “To begin a more nutrient-dense diet,” said Craven, “start with whole foods that you know you already like, then begin to experiment with new ones.” Many people think they will need to give up flavor when eating whole foods, but with the addition of fresh or dried herbs and spices, whole foods can be transformed into greattasting meals and snacks. Changing old habits to start a healthier way of eating requires a little research. But
also calls for a cup of cream and a quarter pound of butter, it is not the healthy choice. Look instead for recipes that utilize healthy fats, like olive and canola oil, for sautéing and that make use of other flavor builders like herbs, spices, onions and garlic over excessive amounts of salt and fats.
A whole foods diet should also emphasize plant-based foods, for maximum results. Eating a colorful array of fruits and vegetables will ensure you are getting the best nutr ient s for your body. These nutrient-rich foods are the building blocks to optimum health. A diet that makes use of a wide variety of whole foods can have very positive effects, said Craven. People who adopt this diet may experience improvements in their energy, sleep, mood and attitude. A healthier diet may decrease flare-ups with arthritis, improve bone density and may prevent macular degeneration, she said. Another positive side effect to eating better is that people are often motivated to be more active when they eat a healthier diet, said Craven. Staying active, eating delicious fresh, whole foods and feeling better in general sounds like a good idea, for anyone.
WHOLE FOODS RECIPE:
Quinoa Salad with Sweet Potatoes & Apples (Serves 4 - 6)
Quinoa is a quick-cooking, high protein whole grain that is rich in vitamins. Combining quinoa with other whole food ingredients, like sweet potatoes, apples and leafy greens, results in a nutrient-rich salad that can be eaten as a main dish or side dish. Quinoa is found near the packaged rice in most grocery store aisles.
Ingredients:
1/4 cup extra-virgin olive oil 1 cup quinoa Sea salt, to taste 1 pound sweet potatoes, peeled and cut into 3/4-inch dice Freshly ground pepper 2 tablespoons apple cider vinegar 1 large Granny Smith apple, cut into 1/2-inch dice 2 tablespoons chopped flat-leaf parsley 1/4 medium red onion, thinly sliced 4 ounces baby spinach, arugula or kale
Method:
1. Preheat the oven to 400째. 2. In a large saucepan, heat 1 tablespoon of the olive oil. Add the quinoa and toast over moderate heat, stirring, for 2 minutes. Add 2 cups of water, season with salt and bring to a boil. Cover and simmer the quinoa for 15 minutes. Remove from the heat and let stand for 10 minutes. Fluff the quinoa then spread it out on a baking sheet to cool, about 20 minutes. 3. Meanwhile, on a baking sheet, toss the sweet potatoes with 1 tablespoon of the olive oil and season with salt and pepper. Roast for about 25 minutes, stirring once, until golden and softened. Let cool. 4. In a large bowl, whisk the remaining olive oil with the vinegar; season with salt and pepper. Add the quinoa, sweet potatoes, apples, parsley, onion and greens and toss well. Serve immediately.
Ageless | Winter 2013 | 13
Ageless MEDICARE ADVICE Not keeping track of Medicare deadlines can cost you, so do your HOMEWORK.
Understanding
MEDICARE TIMELINES by Cynthia Hylton, SHIBA Program Field Officer
Don’t be in the choir singing the “Nobody Told Me” song. We hear this refrain almost daily at the SHIBA office in Salem. Listen up because I’m telling you now: CMS (Centers for Medicare & Medicaid Services), Medicare’s administrative body, and SSA (Social Security Administration), the enrollment gateway, considers it your responsibility to actively research and f ind out what is required to meet the r ules for enrolling in Medicare. There may only be a few prods here and there, like the avalanche of marketing material you get in the mail suggesting that turning 65 years of age is an important date for accomplishing this mission. This is not to be confused with the date of collecting your Social Security Retirement benef its at the 100 percent level. There are critical timelines and deadlines that, if not understood, could cause you to incur lifetime
14 | Ageless | The Bulletin
penalties as well as delays in the start of Medicare insurance benefits. W h at you d o n’t k now w i l l hurt you, all costing you money. How much and for how long is the question if you don’t do your homework. Unfortunately, there is no one answer for everybody because each person’s situation is unique. Also, you may have to go to two sources to find out about the rules that apply to your situation. SSA is the organization that is responsible for giving you adequate and accurate information regarding enrollment in Par t A, Hospital Insurance (HI) and Part B Medical coverage. Call 800-772-1213 or visit your local SSA office to get the answers to questions about enrollment. Be sure to document the date, time and the name of staff person(s) who assist you since, if by chance you don’t get accurate or adequate information, there is recourse called “Equitable Relief” (ER). The law requires for these federal employees
to provide the correct information or they must fix it at no cost or loss to you. Part D, prescription medication insurance has a different avenue fo r a n s we r s . Yo u m u s t c a l l 800- MEDICAR E for that basic information and also document the date and name of the customer service person that assisted you in order to protect your Equitable Relief rights. The twists and turns — if this then that — issues can be so complex about deadlines for enrollment, it is impossible to cover all the “what ifs” here. And on top of it, the deadlines and rules for Part B are different than the deadlines for Part D. A key question: If I or my spouse are still actively wo r k i n g a n d c ove re d by a n Employee Group Health Plan (EGHP) and one or both are turning 65, do we need to enroll in Medicare Part A and B to avoid a penalty? It is critical to align questions and answers concerning Medicare coverage r u les bet ween SSA, Med ic a re a nd you r employee
Benefits Administrator because the type of EGHP or the number of employees covered under the EGHP all play a part in the decision of when to enroll. An important point to remember is employee benefits administrators are not included in the Equitable Relief protections. Some people have received incorrect guidance from work sources about requirements for Medicare enrollment, and there was no recourse. Always be sure to make contact with the federal entity that protects you with ER in receiving the right answers. SH I BA cou n s elors c a n help you decipher information about Medicare coverage. We can help you understand the options and explain what the ramification might be. EXAMPLE: You enroll in Medicare Part A upon turning age 65, but not Part B because you are still working. Then your company insurance changes to a High Deductible Health Plan (HDHP) with a Health Savings Account (HSA). And, because you
are enrolled in Medicare, you cannot contribute to the HSA. But you must enroll in a Medicare contracted Part D plan to avoid a penalty later because the HDHP prescription medication coverage is not considered creditable (as good or better than Medicare’s). You wouldn’t be required to enroll in Part B because coverage through active work group health plan is all that is required to avoid penalty. Whew! Also, Oregon has a new rule regarding Medicare Supplement (a.k.a. Medigap) insurance plans. It’s called the “Birthday Rule.” Based on the Bir thday Rule, all those people who are already enrolled in a Medigap type plan have a 30-day Guaranteed Issue (GI) opportunity to change to another company with a lower premium for the same policy starting on their birthday. The new rule goes into effect January 1, 2013. We expect to see a lot of activity on that one this year. So, you see why it is important to connect with a variety of sources to get your information and then to talk to your local SHIBA counselor to get help with interpretation. We speak fluent Medicare. We can tell you all about GEP, SEP, MADP, AEP, G.I. OEP, the new Birthday Rule relating to Medigap
Supplements, and much more. SH I BA a l s o pro duces s ome excellent information resources. There is a web site dedicated t o t ho s e j u s t b e g i n n i ng t he research about Medicare, www. MedicareStartsAt65.org. The new 2013 Oregon Guide to Medigap, Medicare Advantage, and Prescription Drug Plans is available o n l i ne at w w w.o re g o n s h i b a. org. Some hardcopy versions are available for those who need them. Check out page 5 in the Guide for all of the enrollment periods and deadlines associated with the ABCD’s of Medicare. Contact your local SHIBA office or the main office in Salem by calling 1-800-722-4134 to find out how to get one.
We speak fluent Medicare. We can tell you all about GEP, SEP, MADP, AEG, G.I. OEP, the new Birthday Rule relating to Medigap Supplements, and much more. SHIBA also produces some excellent information resources.
Cynthia Hylton has more than 25 years of volunteer program development and training experience. Cynthia has been working with the SHIBA program since 1990 as a local county program coordinator. She started working with the statewide program as a Field Training Officer in 2005. This position required an extensive background working with the senior community and training an effective volunteer network. SHIBA now has 250 volunteer Medicare counselors throughout the state. The SHIBA program received the 2007 Governors Award for Most Outstanding Statewide Volunteer Program.
Ageless | Winter 2013 | 15
U N D E R S TA N D T H E S Y M P TO M S O F A G E - R E L AT E D V I S I O N L O S S by Bridget McGinn, for The Bulletin Special Projects
16 | Ageless | The Bulletin
Around the age of 40, most people begin to notice that they need to hold the newspaper or other reading material farther away to bring the words on the page into clear focus. As the years pass, the distance required for clarity increases, and reading glasses may become a necessity. This normal loss of ability to focus on objects up close is due to presbyopia, a hardening of the lens inside the eye. While presbyopia is a natural process that occurs with aging, there are other age-related eye diseases such as cataract s, glaucoma, macular degeneration and diabetic retinopathy that are more serious and can have a bigger impact on daily life. “People are living much longer and more active lives, and we rely on our vision to maintain our quality of lifestyle,” said Dr. Ida Alul of InFocus Eye Care in Bend. “Good eyesight can help to keep seniors healthy and living the kind of life they want to live.” While there is not much that can be done to stop the aging process itself, there are definitely steps that individuals can take to protect their vision as they age. Wearing sunglasses to protect eyes from the sun’s harmful ultraviolet rays, exercising, not smoking, and eating foods high in vitamin A (think carrots) and antioxidants (fruits and dark-green vegetables) are all recommended. And at the very top of the list? See an eye doctor regularly. “Early intervention is always the best,” said Dr. Derri Sandberg of Lifetime Vision Care in Bend. Sandberg urges people in their fourth, fifth and sixth decades of life in particular to see their eye doctors at least annually, perhaps more often if they have higher risk factors for vision problems such as diabetes or high blood pressure. “It is especially impor tant that patients really show their doctor all of their underlying medical problems and any medications they are taking,”
said Alul. “Some drugs, such as Viagra, are known to block blood flow to the eye and require ongoing monitoring.” Diagnosing and treating eye problems early can make a huge difference in the amount of vision loss a person may experience. And some common eye diseases, such as glaucoma, may not have any early symptoms, but can still be detected by a professional. “We want to catch these things before they build up momentum,” said Sandberg. “I use the analogy of a train with my patients. It is much easier to stop a train that is traveling slowly than it is to stop one at top speed.” Common eye diseases for seniors Cataracts are common among seniors. Nationwide, approximately half of those age 65 or older are affected by cataracts, and that number rises with age. A clouding of the lens in the eye that affects vision, cataract symptoms include cloudy or blurred eyesight, “halos” around lights at night and loss of bright color vision. While cataracts are not medical emergencies, they will eventually lead to blindness unless cataract surgery is performed. “Cataract surgery is the most commonly performed surgery in the United States,” said Sandberg. “The procedure and the methods are very finely tuned and generally successful.” Early diagnosis and treatment for cataracts can decrease the risk of surgical difficulties and the chance of complications such as glaucoma. Glaucoma relates to a group of eye conditions that affect the optic nerve. The optic nerve transfers visual information from the eye to the brain and can be damaged by increased pressure within the eye. The risk of developing glaucoma increases with aging, and early
intervention can halt the progressive vision loss associated with this disease. “One of the biggest issues we face is the diagnosis of glaucoma,” said Alul. “Most often the patient is unaware of it because vision is normally not affected until late in the disease process. It is really important to screen for glaucoma because it is very treatable if it is picked up early.” Macular degeneration, the number
There are approx imately 10 million Americans over the age of 40 who have been diagnosed with diabetes, with an additional large percentage believed to be undiagnosed. Of these people, an estimated 40 percent have some degree of diabetic retinopathy. “Big fluctuations in vision could point to changes in the eyes related to diabetes,” said Sandberg. “Diabetic retinopathy is the number one cause of preventable blindness,
one cause of blindness for American seniors, is also called age-related macular degeneration, or AMD. AMD is caused by damage to the retina, and symptoms include a gradual loss of central vision and distorted vision such as seeing wavy instead of straight lines. If AMD is caught and treated early, vision loss can be halted and in some cases reversed. Diabetic retinopathy is caused by damage to the blood vessels of the retina.
and some people don’t know that they even have diabetes. Vision problems can be the first symptom.” Other common vision changes due to aging • Muscles in the eyes that control pupil size and reaction tend to lose strength as people age, resulting in the pupil becoming smaller and less responsive to changes in light. This is why seniors need up to three times more ambient light for comfortable reading versus what
they would have needed in their 20s. • Another natural process of aging is that the body produces fewer tears, which can result in burning or discomfort due to dry eyes. Women who have gone through menopause are particularly prone to dry eyes. Prescriptions are available for dry eye medications, and over-the-counter ar tif icial tears can also provide relief. Recent research indicates that foods rich in omega-3 fatty acids, such as fish and flax, can also help to alleviate symptoms. • Seniors may also notice a loss peripheral vision, which is related to an increased risk for car accidents, requiring more care and attention to safety when driving. In addition, color vision decreases with aging, particularly for blue tones. • “ S pot s a nd f loater s” a re caused by the liquidation of the gel-like vitreous inside the eye, a normal process of aging. Vitreous detachment, while usually harmless, could also indicate a detached retina (a much more serious problem that can lead to blindness). It is best to see your eye doctor if you are experiencing this symptom. • Other symptoms that require immediate attention include: - A “dark veil” over the field of vision (could indicate a retinal detachment and result in permanent vision loss); - Sudden pa i n i n t he eye combined with nausea (possibly related to narrow-angle glaucoma, which can cause permanent damage to the optic nerve); - gradual or sudden narrowing of the field of vision (could indicate the development of glaucoma); - double vision or “ghost” images (could signal a health emergency such as a stroke); - and any other sudden change or loss in vision. Ageless | Winter 2013 | 17
WELCOME HOME
Trends for aging in place. With the population graying, people want to stay in their homes longer or move to a home that is more adaptable for their changing needs. There are a few trends that you should be aware of to make your existing or new home more comfortable for the coming years. The biggest trend is living on one floor or at a minimum having most of your living occur on one floor. While guest quarters may occupy the upstairs, only being used occasionally. Having one floor does impact the layout of a home and how it is designed. The next trend is less to no home maintenance. This is no surprise when people have done weekend chores for years. They are tired and ready to play more than work. It is a strong trend (ASID Aging in Place Survey) cites 57% would use it as a reason to move. Designers are cognizant of this and design homes with low to no maintenance on interior surfaces. For example, more kitchens and baths countertops are being designed with man-made quartz based surfaces like Caesarstone, Silestone or any variety of others. Flooring surfaces are moving towards harder woods like hickory or porcelain tile and are moving away from maintenance heavy bamboo, travertine or slate. LED light bulbs are taking the
place of incandescent or fluorescent to limit the need to change light bulbs for up to 5 years and still have the warmth of an incandescent bulb with less energy consumption. In the kitchen, using fewer wall-mounted cabinets and more drawers. The drawers should have heavy-duty, soft-close glides. This can help with organization as well as keeping everything at arm’s reach. How appliances are used and where they are installed should be reexamined. Does a double oven make sense? Could a dishwasher be mounted higher to help with arthritis or a bad back? These design elements can either work really well or be a disaster depending on location and how well it is designed into the kitchen. The last trend in aging in place is to look at curbless showers. By planning for proper water flow and drainage with a channel drain, as well as doors, you can create and accessible shower that is design forward as well practical. While designing that curbless shower be sure to add blocking between the studs for
FURNITURE SALE ON NOW!
35% Off Any In-Stock Merchandise 30% Off Any Custom Order Furniture
In Bend’s Century Center 70 SW Century Drive, Suite 145, Bend, OR 97702 541.322.7337 M-F 9AM-5PM CCB #1711585 www.complementshome.com 18 | Ageless | The Bulletin
grab bars for stability and balance which tend to decrease as we age. By thinking about your home and how it works or doesn’t now, you have an opportunity to improve your space for near term pleasure and long term practicality.
Exploring Gina’s
by John Cal, for The Bulletin Special Projects
After years of organizing trips to Italy, Gina Minnis has perfected creating the most authentic experiences possible. “ When I’m organizing a trip, I’ve lived it all first,” said Gina Minnis with sincere enthusiasm. “I’m home grown. For me, it’s personal. It’s very personal, and I want it to be personal for my guests too.” Founder of Gina’s Italy, a travel and tour company whose sole purpose is
to immerse its clients in an authentic Italian experience, Minnis exudes Italy.. It’s her passion, her soul, but it goes even deeper than that. It’s in her blood. Born to Italian immigrants, her father, Francesco Favo, and her mother, Lina Cervo Favo, moved to California after World War II. “They were so poor,” Minnis said. “The
only way to get out of poverty was to move. Francesco worked as a barber in Hollywood, catering to the famous and wealthy. He started apprenticing at 5. He learned the art of barbering. He has no choice. His family was so poor that he had to go to work.” Still, even with her Italian heritage and love for Italian culture, when, in college, Minnis decided to get her M.A. in Italian Language and Literature, she came against some familial opposition.
“We were on the wrong side of the war,” said Minnis, “and so when my parents immigrated, my father experienced lots of discrimination. He was mistreated in his workplace, and he was afraid that I might be ostracized the same way he was.” But against her father’s wishes, she pursued her passion. “I was drawn to the language,” Minnis said. “I needed to know Italian, especially if I wanted to converse with any of my family,” many of whom still live in Italy.
Ageless | Winter 2013 | 19
“I would see people coming back from these big bus tours that were still left empty. Italy is so much more than that. . . You’re going to be left empty when anyone goes anywhere and doesn’t learn about the people.”
Photos courtesy of GIna Minnis
Though she had always had a cultural Italian background, it was this study of culture and language that solidified her love for all things Italy. “I think the seeds of what I do were born when doing my Italian Studies,” she said. “I had a really inspirational professor in college. She was my driving force.” That inspirational professor, Lee Veladi, was the catalyst of transformation for Minnis, helping her to garner a scholarship to study abroad in Italy, which was when Minnis first began to really experience Italian culture on the ground in Italy, — what it’s like to live there, to eat there … what it really means to be Italian. Since then, Minnis has turned Gina’s Italy into a way to share this love with countless others. “Gina’s Italy is the method in which I help people experience an authentic piece of Italy,” she said. Minnis’s method is to open doors that are not open to individuals or larger groups. Intentionally keeping her tours small (usually 8 to 12 people) allows travelers to go
well beyond the surface Italy that so many tourists experience. “I would see people coming back from these big bus tours that were still left empty,” Minnis said. “Italy is so much more than that. . . You’re going to be left empty when anyone goes anywhere and doesn’t learn about the people.” Minnis’s goal is to “go beyond the tick list items,” to take people into the everyday Italy, the parts that would be hard to navigate if you weren’t a local or didn’t have a command of the language. Her t r avelers not on ly e at bruschetta, but also discover why it’s made. They don’t just taste balsamic vinegar, but also visit the homes of the families that make it. “What I wanted from these tours is to give meaning to being there, what makes the country great,” she said. Gina’s vision is to customize Italy, making each pocket and corner a place to discover. “ I wor k w it h e ach p er s on individually,” she said. “I think they’re surprised when we start working together and they call, and they realize that it’s not a call Photos courtesy of GIna Minnis
20 | Ageless | The Bulletin
center, but they’re actually talking to Gina.” Minnis themes her tours, working w it h cu stomers to create real experiences. “If we’re going Bologna, we’re going to a butcher and seeing how they make parmigiano reggiano and prosciutto. We’re going to a pasta factory,” she said. “But on a Tuscan tour, the experience is going to be
different. . . there are pockets of different cultures all over Italy.” Though it’s defi nitely not in M i n n i s’s M .O. t o t re at t r avel like a tick list, checking off each experience before quickly moving onto the next, she also introduces people to the picturesque Italy that we’ve all come to know from cinema and literature. “I take people to the Coliseum, too,” Minnis laughed. “I just try to do it with flair.” She provides such flair by inviting locals to act as tour guides or native art students to walk with groups through the Sistine Chapel, or by simply lounging the piazza. “I take people to see the David at the Accademia Gallery in Florence. I take people to see the museums, but I also want to open their eyes to the fact that the whole town is a museum,” she said. Minnis creates. She transforms travel into something accessible, something personal, both for her
I WILL
Often pretend to understand what people say. Even when my surroundings are quiet, it can be hard to
HEAR
travels and for the locals they encounter. And it is so personal, in part, because she’s right there, experiencing Italy with them. “You can’t really lear n about culture from a book; you learn from people,” she said. And Gina is that person. She has opened up the book of her personal knowledge and experiences so that others can also learn and experience a culture that is so dear to her.
Feel your best this year, start Iyengar Yoga. – Nadine Sims –
“The The yoga method health professionals recommend by name.”
My wife says that our relationship would be so much
BETTER
if she didn’t have to repeat herself so often.
Call Today to schedule your first consultation at no charge. $50.00 credit toward a hearing aid repair (new patients please). Expires February 28, 2013
An incredibly versatile approach to practicing yoga at all ages, stages, and conditions.
Cannot be combined with other offers. Some restrictions may apply.
Bend - 541.647.2884 301 NE Franklin Ave. Responsible Care for 22 Years
Redmond - 541.316.1133 527 NW Fir Ave.
www.centraloregonaudiology.com
Ageless Offer!! 35 days unlimited yoga for $35. 35 years and older (new to studio). Must start by Feb. 20th.
Free Intro last Saturday of each month. 541-318-1186 • 660 NE 3rd St., Ste #5 (above Ace Hardware) www.yogaofbend.com Ageless | Winter 2013 | 21
Ageless NOVEL IDEAS
SHARING Life Discussions Book lovers and volunteers organize literary discussions throughout Central Oregon. by Nate Pedersen, for The Bulletin Special Projects Once a month, between eight and 12 residents of Discovery Park Lodge walk downstairs — sometimes only wearing their pajamas — to sit by the fireplace and discuss a book. Discovery Park is an apartment building open to anyone 55 years old and older. Like six other senior homes and facilities across Deschutes County, Discovery Park hosts a monthly book discussion for residents. These clubs provide seniors an opportunity to socialize and engage in conversations that stretch far beyond books. As Margaret Vaughn, a participant in the Discovery Park Lodge, said, “It’s more a life discussion than a book discussion.”
22 | Ageless | The Bulletin
Deschutes Public Library manages seven of these in-house book clubs in Deschutes County. While the majority of the clubs are in Bend, one is in Redmond, and another in La Pine. The library offers each club a list of potential titles for the “Book Club Year,” which follows the academic calendar from September to May. The club selects nine titles, which the library arranges to have pulled from circulation and distributed to their respective clubs in time for each discussion. The book clubs are facilitated by volunteers. “I think that there’s a distinct advantage to having a book club at the actual facility rather than expecting seniors to go somewhere else,” said Bonnie Armbruster, a
volunteer facilitator at four senior book clubs and an original driving force behind the program. While other book clubs throughout Deschutes County are open to membership from seniors, the library’s book clubs are the only discussions held in the residential homes of the participants. Timothy Smith, a librarian with Deschutes Public Library, said the program is in place “to especially assist those who find it difficult to get to the library or elsewhere on their own.” Between five and 12 people participate in each book club. The clubs meet once a month for about an hour in a communal space at the senior homes. Discovery Lodge participants enjoy the book discussions, but find the
Book Club Hits “The Help” by Kathryn Stockett — Stockett’s novel of race and class relations in 1962 Mississippi was of particular interest to book club members who had lived in the South during that era. “The Hotel at the Corner of Bitter and Sweet” by Jamie Ford — Seattle-area Japanese internment camps in World War II provide the setting for this novel that launched rich discussions on race relations and 1940s life on the west coast. “The Postmistress” by Sarah Blake — Blake’s novel of a Massachusetts postmistress on the eve of World War II laid the groundwork for a rich discussion of personal memories of the war years.
Photos by Christopher L. Ingersoll
social camaraderie with their peers to be the highlight of each meeting. “I like the camaraderie – I look forward to it. It’s enjoyable,” Vaughn said. “I think it’s a really, really good social activity for a place like this. It’s amazing when you think of the number of people that live here that so few are in the book club. Some people have said to me, ‘Oh, I like to read alone and pick my own books,’ but you know reading can be a group activity.” Shirley Ryder added that the book clubs have given her “a chance to read a lot of different books” that she might not have otherwise picked. Susan Scott agreed “The books that we pick would not necessarily be the books that I would pick at the library,” she said. “But then when I get into it, I say, ‘This is really interesting. Why
wouldn’t I pick this?’” Sometimes, book clubs enrich their discussions with other activities, such as seeing films inspired by the novels or hosting book-themed dinners. After reading Kathryn Stockett’s novel “The Help,” several of the Discovery Lodge members went to see the movie based on the book. The experience of watching the film together contributed to their discussion of the novel — and provided a welcome opportunity for social interaction. The book club members particularly enjoy the discussions that allow them to share memories about their personal experiences and histories. Smith finds this aspect of the book club program to be “the most gratifying.” “It’s an opportunity to come together and discuss aspects of a book that they find interesting (or disinteresting), but it’s also surprising how many times seniors bring up something out of their own past relevant to the story at hand,” Smith said. Armbruster agreed. “The more personal connections people can make to the book, the richer the discussion will be,” she said. Favorite book club picks mentioned by members (see sidebar) were united in their depiction of mid-20th century life — a period of time lived through by senior book club members — and
thus rife with opportunity for sharing memories and discussing past experiences. Deschutes Public Library would like to extend the book club service to further senior homes but is currently at maximum capacity to support the accompanying logistics. Smith, who called the program “highly successful,” said that “at the moment, we are unable to expand but we are examining the possibility of expansion later this year.” “The library is open to — and encourages — ideas for extending our services to seniors, especially for expanding senior book clubs in other ways,” Smith said. To learn more about the program, or to discuss the possibility of enrolling your senior facility in the program later this year, contact Timothy Smith by e-mail at timothys@ deschuteslibrary.org.
Senior Book Clubs BEND Bend Senior Center (open to all seniors who can attend meetings at the center): 1600 SE Reed Market Road, 1st Monday at 1 p.m. Whispering Winds, 2920 NE Conners, 1st Thursday at 10:30 a.m. Mountain Laurel, 990 SW Yates, 1st Thursday at 2 p.m. Discovery Park, 2868 NW Crossing Dr, 1st Thursday at 4 p.m. Stone Lodge, 1460 NE 27th St, 2nd Wednesday at 10:30 a.m. REDMOND Cougar Springs, 1942 SW Canyon Ave, 1st Thursday at 1:30 p.m. LA PINE Prairie House, 51485 Morson, 3rd Monday at 2 p.m.
Live Downtown Work Downtown Workout Downtown
FREE 7 DAY
TRIAL MEMBERSHIP
Special Senior and Limited Use Memberships
Not your ordinary Health Club! See for yourself. 550 NW Franklin Ave. #328 Bend, Oregon • 541-323-2322 • www.benddac.com *Local, f irst-time guests. Minimum 18 years old. Ageless | Winter 2013 | 23
Ageless FINANCIAL HEALTH
Planning for the
LONG ROAD
ahead
Long-term care insurance can protect your health as well as your assets. by Kathy Oxborrow, for The Bulletin Special Projects
I’ve been told I am a prime candidate for long-term care insurance. I’m 65, single, have no children and I have assets — assets that would be liquidated and used to care for me should I have health issues necessitating help with my daily living activities over an extended time period, which, by the way, Medicare does not cover. In fact, I may have waited too long. Connie Humbert, an insurance broker specializing in Medicare and long-term care insurance, said the best time to take out a policy is in your 50s because age-related health issues probably haven’t begun to appear yet. Your health is one of several criteria used to determine eligibility and premiums, along
24 | Ageless | The Bulletin
with your age, the mortality rates in your community, where you travel, your memory ability and your level of activity. At 65, I can expect to pay $2,000 to $4,500 in annual premiums. I won’t receive a rating until I complete the application process. Like many Baby Boomers, I’m active, in good health and planning to work for a very long time — haven’t been the best saver. The thought of anything intruding on my independence, earning potential or ability to care for myself seems far-fetched. And therein lies the problem: you just never know. I could get bucked off my horse and hurt myself severely enough to need in-home help while I recover. I could be injured in an auto accident.
“Long-term care isn’t just for the end of your life,” said Humbert. “Being on claim with long-term care doesn’t mean you have one foot on the banana peel sliding into your grave.” In 2011, 50 percent of long-term care insurance claims paid for in-home care, 19 percent for assisted living and 31 percent for nursing homes, according to a recent Wall Street Journal article. People start using long-term care insurance between the ages of 78 and 82. The average claim length is two to four years, ending when folks depart this Earth. Humbert said that, once they reach 65 years of age, 65 to 70 percent of people will have a long-term care event before they die.
“The average citizen probably isn’t aware of how expensive long-term care is and how quickly it can burn through their assets with care in nursing facilities. You’re probably looking at $7,000 a month.” “The average citizen probably isn’t aware of how expensive long-term care is and how quickly it can burn through their assets with care in nursing facilities,” said Mike McCor mick, deputy director of Aging and People with Disabilities at the Oregon Department of Human Services. “You’re probably looking at $7,000 a month. Someone with a modest nest egg of $100,000 to $200,000 … that’s going to go away quite quickly.” Cathy Mendell, founder and CEO of Elevation Capital Strategies, a wealth and retirement planning
firm, confirms that long-term care insurance isn’t cheap. “ B ut what you’re doi ng i s protecting your assets so that if and when anything should happen to you or your spouse, it doesn’t strip away your assets so you have nothing to live on. It protects your estate.” A long-term care policy is like putting an umbrella over the assets you’ve built up over your lifetime, said Humbert. I briefly considered ingratiating myself with my younger friends hoping they might consider caring for me in old age, but that didn’t
really seem like a sound plan. So I’m seriously looking at taking out a long-term care policy. Here’s what I’ve learned about the process for applying for longterm care insurance and what benefits I need to consider: First, I will be interviewed by an insurance agent to see if I’m a good candidate. Next comes filling out an application followed by blood tests, submission of my medical records by my doctor and a memory test. The insurer pays for the required medical tests. Mendell said insurance companies want to make sure you
don’t have AIDS or other chronic illnesses. They are particularly concerned about diseases like Parkinson’s and Alzheimer’s. “The most impor t ant t h ing to look for in long-ter m care insurance is a real understanding of the cost of premiums over time and then the benefits over time,” said Nicole Palmateer, association director at the Oregon Association o f A re a A genc ie s o n A g i ng and Disabilities. “When you’re purchasing something that you’re going to be using in the future, it’s important to understand what you’re buying and what you’re
Ageless | Winter 2013 | 25
going to be getting down the road.” Based on my research, these are the features I want in my policy: • One that covers in-home and nursing-home care, and one that pays for personal care and skilled care. Personal care includes help with walking, eating and bathing. Benefits typically kick in when you need assistance with two or more of these daily living activities for at least 90 days. • A policy that includes inflation protection. • A “qualified long-term care
Writer Kathy Oxborrow (left) shuffles through a stack of information and paperwork as she considers purchasing long-term care insurance. Photo by Christopher L. Ingersoll
26 | Ageless | The Bulletin
i n s u r a nc e ” cont r ac t for t a x pur poses. These policies are generally treated the same as accident and health insurance. Un reimbu rs ed ex pen s es a nd insurance premiums are deductible as medical expenses. If benefits cover only actual expenses, they are 100 percent tax-free. L ong-t er m c a re i n s u r a nc e is no different than other types of i n s u r a nce. You’re buy i ng protection against unpredictable future events. You weigh the risks and the costs associated with sheltering you from those risks. A n d f i n a l l y, t a l k t o y o u r accountant. “There are many considerations i nvolve d i n pu rch a s i ng LTC insurance,” said CPA Keith Dodge.
Ageless HOUSING TRENDS
NewCondos Urbanism: and convenience By Laurel Brauns for The Bulletin Special Projects As the last homeowners on the tail end of the Baby Boom generation are finding themselves empty nested, more and more are looking to downsize into smaller homes in neighborhoods close to community resources and events.
They’re looking for proximity and access to amenities that fit their active lifestyles: restaurants, gyms, shops, and community activities and education. We’re not talking assisted living facilities here, but convenient neighborhoods with tangible benefits for those over 50.
Bend’s older, active population is looking to downsize, but stay close to the action.
Photo by Nicole Werner Ageless | Winter 2013 | 27
“My clients want to be able to walk to places, and be close to town and close to St. Charles,” said Jane Flood a Senior Real Estate Specialist (SRES) with Duke Warner. “They are retired but have a very healthy lifestyle and want to be close to a nice place to dine at night, and work out in the morning.” Flood — who has always catered to those relocating to Bend — had one of her most successful years to date serving the 50-plus demographic after obtaining her SRES certification. While homes in Northwest Crossing have been some of her best sellers, she’s also seen a trend with seniors looking to purchase condos, and she’s sold at The Bluffs at the Old Mill District and at RiverWild in Mount
Bachelor Village. Older neighborhoods in Bend near downtown and Drake Park may fit the bill in terms of proximity, but many retired homeow ners eschew the added maintenance that is part of the package with Bend’s mill-era homes. Instead, they a re s eek i ng newer residences and condos t hat of ten have conveniences like contracted yard maintenance — or no yard at all — and in some cases the benefits of resortstyle living. Nancy Dyer, Owner and Principal Broker for Desert Pine Properties, has seen a growing trend with those over 50 seeking out condos in order to enjoy more of a carefree lifestyle. She herself started out in a condo when she first came to Bend, moved into a house, and then went back to her condo at the Seventh Mountain Resort. B o t h t h e S event h Mo u nt a i n Resort and Mount Bachelor Village have condos in the range of 570 to 800 square feet and have amenities like pools, tennis courts and workout rooms right on property. “Condos are more economical and less work,” Dyer said. “And they are a great ‘latch and leave’ solution for those who like to travel.”
Dyer has also recently sold a number condos in downtown Bend to residents looking to downsize from larger homes, and she notes that there is definitely a trend in Bend for those seeking to live in more urban environments because of the ease and convenience of living. For retirees seeking more of a white-picket-fence solution, Northwest Crossing (NWX) offers plenty of smallish single-level cottages with many more in the works for 2014. The neighborhood appeals to a wide variety of age groups but offer a number of senior-centric conveniences: single-level, energyefficient homes;, great restaurants and a hip wine bar within walking distance; full-on take-out meals provided by Tate and Tate Catering; a 24-hour fitness gym just a few blocks away; and miles of mountain biking, running, or just plain old dog-walking trails right out the back door. Get your nails done, go to the bank, and take a pilates class without leaving the neighborhood. This is an ideal solution for folks who might already have children and grandchildren in the neighborhood. “Northwest Crossing has a lot of the characteristics someone in this age bracket would be looking for,” said Romy Mortensen, a board member of NWX’s parent, West Bend Property Company. “The layout is comfortable and welcoming and designed for pedestrian traffic; there are lots of
services in the neighborhood center that residents might utilize on a daily or weekly basis, and we have a great bus service.” As a testament to the neighborhood’s success, NWX recently sold out of apartments in their Discovery Park Lodge apartment building, a 55-plus unassisted living facility near the neighborhood center and adjacent to a new community garden. “We have a lot of people from the [Discovery Park] Lodge that volunteer for events in the neighborhood like farmer’s market,” Mortensen said. “It is an affordable solution for people over 55 who are looking to downsize but still want to be within a community.” As more retirees move to Bend or downsize from their larger homes, the growing trend is to move into neighborhoods that offer dwellings that are smaller and easier to maintain as well as being close to amenities. “Smaller homes and condos are a great solution for active seniors, especially those homes that require little or no maintenance,” Dyer added. “Residents will have a lot more time to enjoy the Bend lifestyle.”
Photos by Christopher L. Ingersoll 28 | Ageless | The Bulletin
Senior Real Estate
SPECIALISTS Jane Flood (middle), along with Duke Warner partners Donna Johnson (right) and K.K. DuBois (left), are Senior Real Estate Specialists (SRES), which means they have taken a special two-day course and been tested about the specific needs of the 50-plus market. Through their coursework, they have gained a new sensitivity to emotions that sometimes accompany the sale or purchase of a home for this age group. They have also developed a network of other 50-plus specialists such as tax counselors, financial advisors, estate planners and estate sale organizers to help their client easily find help where they need it. “As we age, we demand specialists in our health needs, so why not in our housing and equity needs as well?” Flood said. “I wish that I had the education and designation when I experienced firsthand helping my mother stay in her home. Eventually, she moved to an assisted living situation and then to a nursing home. I now feel prepared to approach mature adults with the best options and information for them to make their life-changing decisions now that I have my SRES certification.”
Photo by Christopher L. Ingersoll
ow! Act Nited Lim ent llm Enro
Agents who are active in the National Association of Realtors can obtain their SRES certification by completing the designation course online and passing the final exam. Find out more by visiting the official website at www.seniorsrealestate.com.
RETIREMENT ... don’t just wing it. Plan it! NAVIGATING YOUR HORIZONS
Comprehensive intentional life planning class Central Oregon Community College’s 6-week course to help you successfully navigate work-life transitions and plan for meaningful retirement.
~ Next Class starts April 4, 2013 REGISTER NOW 541.383.7270
EXPLORE your passion and purpose
PLOT YOUR COURSE to achieve your dreams and goals
SAIL to your desired future
COMMUNITY LEARNING http://noncredit.cocc.edu 541.383.7270 In advance of College events, persons needing accommodation or transportation because of a physical or mobility disability, contact Joe Viola: 541-383-7775. For accommodation because of other disability such as hearing impairment, contact Anne Walker: 541-383-7743.
WORK-LIFE TRANSITION TO MEANINGFUL RETIREMENT Ageless | Winter 2013 | 29
GRAND Kinships by Gregg Morris, for The Bulletin Special Projects
The cross-generational connection between a child and his or her grandparents allows for growth in both the grandchild and the grandparent. It can provide grandparents with a focus in their life as well enhance their legacy through stories of their heritage. “It is important for grandparents to have strong relationships with their grandchildren so they stay active and engaged,” says Pamela Norr, executive director of Central Oregon Council on Aging. “It benefits their overall mental, emotional, and physical well-being.” A child’s sense of self is enhanced by the alternate level of acceptance prov ided by t he g r a ndpa rent s. Grandparents can provide love by listening to and showing interest in the children without having to provide discipline.
Close Relationships
Ideally, a grandparent would enjoy the luxury of living in the same town as their grandchildren. “It’s the coolest thing in the world to live in the same place as your grandchild,” said Marcia Koff, local grandparent and artist. “She likes to come to my art studio and create stuff with me. Drawing, painting, any kind of art is fun. We just like to hang out.”
“It is important for grandparents to have strong relationships with their grandchildren so they stay active and engaged. It benefits their overall mental, emotional, and physical well-being.” 30 | Ageless | The Bulletin
Forging strong bonds with grandchildren offers mix of simplicity and challenges.
Others make the most out of visits. “Before I come to visit, I send a homemade book with a list of activities for us to do together,” said Joy Morris, who has grandchildren in both Bend and California. “It gives them something to look forward to. After I leave, I send photos and scrapbooks of our time together. In a way, it extends the time we have together.” An important aspect of spending time together is choosing an activity that is age-
“From a personal point of view, my relationships with my grandchildren make me feel younger. I feel more current with the younger generation, and it’s nice to get a break from the normal conversations with my peer group. It allows us to focus on what’s important, like family.” appropriate and enjoyable to both the grandparent and grandchild. “I love taking our 8-year-old to the High Desert Museum,” Joy said. “She gets to show us all of the exhibits and feel like she is the teacher and we are the students. With our older granddaughter, we do something she likes to do, such as go shopping. It’s important to keep up the relationship through the various stages of their lives.” Gary, Joy’s husband, concurs. “Sometimes you just do things that they want to do simply because they want to do it,” he said. “Nine times out of 10, you end up discovering a
new experience. It helps to keep you young.”
Relationships from Afar
The problem for some grandparents is distance. A recent AARP study showed 45 percent of grandparents live more than 200 miles from their grandchildren. Because seniors are continuing to work into their 60s, most grandparents — like Joy and Gary, who live in Michigan — only have time to visit once or twice a year. “We decided a long time ago that we would be a part of our grandkids lives,” Joy said. “We did not want to call on birthdays and holidays and have the kids not know who we are.” Wit h t he advent of email, smartphones and social media, grandparents are able to become more involved with their family, even from long distances. Video capabilities on phones and iPads, and through programs such as Skype and FaceTime, allow the grandkids to show off a new outfit or dance routine from across the country.
Ready to meet all your pharmacy needs. Bubble packing available. We deliver!
Great Gift Selections for Every Occasion! 727 NE Greenwood Avenue, Bend (Next to Erickson’s on Greenwood)
541-382-1454
Facebook and other social media sites provide a place for users to show off pictures and videos, all the while keeping everyone up to date with current likes and interests of the children. Even if grandparents aren’t tech savvy, there are ways to keep in touch with their grandkids. A simple phone call after a big event, such as a game or school play, shows they care about what’s going on in the child’s life. When making the call, it helps if the grandparents are in contact with their children, the grandchildren’s parents, to stay informed of the child’s life. Make sure the phone call is a conversation and not an interview. A “How was your day?” phone call or email quickly becomes boring to the child if it is not combined with stories or antidotes of your life. “It helps to keep up with their interests,” said Gary. “Sometimes, their interests become your interests. Quite frankly, our grandkids lead interesting lives.” Another way to keep in touch is to practice the lost art of letter writing. Children love to get mail. Depending
on the child’s reading level, a letter can include a drawing, picture, card or letter. A small, age-appropriate gift can help to encourage a response or set a tradition. The secret to having a successful relationship with grandchildren often boils down to effort. The connection made between grandparent and grandchild is more than worth it. “From a personal point of view, my relationships with my grandchildren make me feel younger,” said Gary, who hopes to retire close his grandchildren soon. “I feel more current with the younger generation, and it’s nice to get a break from the normal conversations with my peer group. It allows us to focus on what’s important, like family.”
Comfortable Dentures
Roar Denture Center
Same-Day Relines Specializing in: • Implants • Dentures • Partials • Repairs • Relines Most Insurance Accepted Cynthia Rohrer - Licensed Denturist
Roar Denture
Sisters Denture Specialties
Tues. - Thurs. 9-5pm
Mon. & Fri. 9-5pm
541-447-1593
541-549-0929
www.roardenturecenter.com
Ageless | Winter 2013 | 31
GRAND
‘Don’ts’
When forging a relationship with grandchildren, it is important to make sure that the grandparent does not overstep his or her welcome. Amy Goyer, AARP’s family, parenting and grandparenting expert, offers the following pieces of advice to make the family relationship a more harmonious one: • Don’t tell your kids how to raise their kids. Since a grandparent’s job is different from a parent’s job, it is important to avoid judging a parenting style. • Don’t forget how to say “no.” Making good decisions with your time and finances curbs feelings of resentment. Don’t allow yourself to be guilted into spending money by the child. • Don’t compete. Competing grandparents only alienate their children and make their grandchildren feel uncomfortable. • Don’t disregard parental rules. Many parents have different values in raising their kids than their parents had. Some of the ideas that may differ include discipline, eating, and TV time. • Don’t be too pushy. It is important to communicate issues such as values and availability, while not expecting your child’s family to be able to accommodate your wishes.
32 | Ageless | The Bulletin
Ageless LEGAL ADVICE
AVOID CRISIS:
Be Prepared in 2013 Plan your future, reduce stress and be prepared in the new year. by Melissa P. Lande, Attorney
As an estate planning and elder law attor ney, I of ten deal with people in the midst of a family crisis. It is much easier for people to make well reasoned decisions when they are not facing a crisis. Therefore, the best way to plan for your future, reduce stress and be prepared is to ensure that you have taken the steps described below. 1. Get Your Estate Planning Done. If you have delayed setting up your estate plan, now is the time to get it done. The beginning of the year is a great time to discuss who would make decisions for you and take care of your loved ones if you cannot do so. Additionally, most people should have a will or a revocable living trust, power of attorney and advance directive as part of their estate plan. 2. Review Your Estate Plan. If you a l re ady have a n est ate plan, review your existing plan. Circumstances may have changed during the previous year. It is a good time to review the personal
representatives and tr ustees of your estate to make sure that they continue to be the best choice. Additionally, you should review t he na me d re c ipient s of you r personal property and other assets to determine if the bequests still reflect your intentions.
may not be able to advise your health care representative of your wishes in the case of end of life decisions. You should provide a copy of your completed advance directive to your pr imar y care doctor and the hospital as well as your health care representatives.
3. Beneficiary Designations. You should review your beneficiary designations on all your retirement plans and life insurance policies. You may have named persons who are no longer living or should not receive benef it s directly. Some people may lose their state benefits such as Medicaid if they receive a portion of your life insurance or retirement policies. Reviewing your beneficiary designations will ensure that you have correctly designated your beneficiaries.
5. I nco me a n d E x p e n s e s. Review your monthly income and expenses to ensure that you can meet your expenses or have a plan if you need to supplement your monthly income. It is important to review not only your current ex pen s es but f ut u re ex pen s es should you need additional care or to change in your living situation. Additionally, if you have limited assets and income or are using your reserves quickly, you should consult with an elder law attorney regarding Medicaid planning. If you are likely to need Medicaid in the future, you should not be gifting any of your assets to other people.
4. Advance Directive. Complete an Oregon advance directive to appoint health care representatives who can make medical and other health care decisions for you if you cannot make them for yourself. I f yo u w a it t o exe c u t e t h e s e documents until a later date, you
6. Make tax free gifts. In 2013, each person can gift the annual exclusion amount of $14,000 per year to other individuals without any gift
tax consequences. If you have an estate worth more than $1 million, this is a great way to transfer wealth to your loved ones while ensuring that you will reduce your estate below the current Oregon estate tax level. 7. Insurance policies. Review your insurance policies to make s u re t hat you have neces s a r y coverage. Often you are paying for insurance that you no longer need or need insurance that you do not have. The beginning of the year is a great time to review your policies with your agent including options for long term care insurance. 8 . E s t a t e t a xe s. For 2013, the Federal estate and gif t tax exemption amount is $5,250,000 with a maximum tax rate of 40 percent and the Oregon estate t a x e xe m p t i o n a m o u n t i s $1 million with a tax rate of 10 to 16 percent. The ability to maximize you r exempt ion a mou nt s a nd other planning options should be reviewed with your estate planning attorney. 9. Unmar r ied Children. You shou ld a s s i s t you r u n ma r r ied
... if you have limited assets and income or are using your reserved quickly, you should consult with an elderly law attorney regarding Medicaid planning. Ageless | Winter 2013 | 33
If you want to make sure your assets are distributed according to your wishes when you pass away, it’s important to review your beneficiary designations regularly. Major changes to tax laws or major life events, such as marriage, divorce, birth or adoption of a child, or a death in the family, could mean a change is needed.
Why is it important to designate beneficiaries? Designating beneficiaries is one of the easiest and most direct ways to get your assets to the people and/or organizations you desire. Beneficiary designations may also help avoid probating your assets upon your death. We can work with you, your estate-planning attorney and your qualified tax advisor – your estate-planning team – to ensure your account registrations and beneficiary designations support your wishes. Questions to consider before making, or updating, your beneficiary designations include: • Who are my current primary and contingent beneficiaries? • Do my current beneficiary designations reflect my wishes? • Do I have any accounts without beneficiary designations that I want to update? • Have I discussed any beneficiary special needs and the legal and tax consequences of my beneficiary designations with my estate-planning team? I would be happy to sit down with you to discuss your current beneficiaries and potential next steps. Please call or stop by today to schedule an appointment.
34 | Ageless | The Bulletin
children who are over 18 to get legal documents such as a power of attorney, advance directive and will since you are unable to act upon your adult child’s behalf without his or her consent or a court order. This can be difficult if your child is injured or otherwise in need of assistance. Additionally, if you are concerned about your child’s inheritance, you can suggest that your child obtain a prenuptial agreement before get t i ng ma r r ied to protec t the assets that your child will inherit. 10 . F a m i l y M e e t i n g . Discuss your plan with your family or with the person you have nominated to take care of you or your property in the event of illness or death. Make sure that person knows your wishes and where to find your important documents.
Melissa P. Lande is a partner at Bryant, Lovlien and Jarvis in Bend. She focuses her practice on assisting her clients with estate planning, elder law, wills, trusts, probate, asset protection, guardianships and conservatorships. Melissa is a graduate of New York University and Washington and Lee University School of Law in Virginia. She is a member of the Oregon State Bar Estate Planning and Elder Law Sections. She and her husband, Mark, have a son, Griffin, and a daughter, Lila. Contact Melissa at 541 382-4331 or lande@ bljlawyers.com.
COCOA NEWS CENTRAL OREGON COUNCIL ON AGING:
The INFORMATION AGE is at ANY AGE
Pamela Norr, Executive Officer Central Oregon Council On Aging
“We also offer our Teen Elder Computer Help (TECH) classes periodically — where teens, the true experts, help seniors learn about Facebook, cell phones, digital cameras ... those social media programs that help keep us connected and engaged.”
We have not iced at C ent r a l Oregon Council On Aging that many seniors have a new interest in computers. Whet her t h i s i s t r u ly a new interest or being somewhat forced to ‘look online’ for information, we want to help those we serve in any way possible. Seniors (and those who care for seniors) can always call our office for information at 541-678-5483. We are your Aging and Disability R e s ou rc e C on ne c t io n t o g a i n whatever information you need. We also still offer our Teen Elder Computer Help (TECH) classes periodically — where teens, the true experts, help seniors learn a b out Fac e b o ok, c el l phone s, digital cameras ... those social media programs that help keep us connected and engaged. If you have an interest in being notif ied of an upcoming TECH class, please let us know. We opted not to put any health c a re re s o u rc e s h e re b e c au s e any list we start would never be comprehensive enough! Ple a s e s ee you r hea lt h c a re provider with any questions about health care websites. Ever yone likes to know those great websites to bookmark or remember. Below are some of our favorites for seniors and those who care for them. Let us know at if you have others or if we can help you in any way by email at admin@councilonaging.org or by phone at 541-678-5483. So w ithout f ur ther adieu, grab your mouse and star t bookmarking!
Medicare Information
Advocacy
www.councilonaging.org You r lo c a l re s ou rc e for f re e, unbiased Medicare counseling through the state’s SHIBA program. We can set up an appointment for you with a trained counselor.
www.whitehouse.gov Your White House website.
www.medicare.gov The official website for Medicare and Part D plan finder tool and other great info such as long-term care. www.mymedicare.org A site for benef iciar ies to get information.
www.capitalnews.org Get updates from Congress, White House etc. www.ncoa.org The website for the National Council on Aging. www.O4AD.org Oregon Agencies on Aging website. (Click on advocacy to receive updates via email.)
www.Medicareinteractive.org The Medicare Rights Center.
www.nami.org The National Alliance on Mental Health
www.opdp.org Get information and sign up for the Oregon Prescription Drug Plan.
Aging
www.socialsecurity.gov The official SS website and tool to sign up for LIS.
www.councilonaging.org The site for the Central Oregon Council On Aging (COCOA). We think Ageless | Winter 2013 | 35
this one is the best, and we’re here to help you with any questions, referrals, assistance, Meals On Wheels, congregate dining, caregiving, etc. Be sure to see our services page on our website for information about programs that might be of interest to you. www.adrcofOregon.org Aging and Disability Resource Connection of Oregon — your state-wide website for all things aging. Central Oregon Council On Aging (COCOA) is your local ADRC. www.n4aagecomm.org The National Area Agency on Aging website. www.AARP.org An aging resource. www.oregon.gov/dhs The State of Oregon’s website is a wealth of information. The links are a little cumbersome below, so please feel free to enter the site, then enter into the search whatever you’re looking for, such as State Unit on Aging, which has amazing resources, or mental health, crisis lines in Oregon, legal aid, long term care ombudsman, resources for caregivers, etc.
Just for Fun www.googleearth.com Wow! You have to download the program, but you can see your backyard, or the Taj Mahal or an island off Florida with this fun program www.bablefish.com A translation tool and, of course, www.dictionary. com, an online dictionary www.IMDB.com Ever wonder who that guy was in that movie about that thing? Or like to watch movie trailers? Check out this online movie database. www.tripcheck.com A great weather source for those of us in Oregon. Check out the cameras and see what the weather is like on Santiam pass! And of course, for everything else, you can always do a search on www.yahoo.com or www. google.com. Just enter what it is you’re looking for in the white ‘search’ box (such as words like your local hospital, or the name of your library, florist or restaurant).
You Can Make A Difference By Supporting The Council On Aging! A gift to COCOA is deeply appreciated. Your donation ensures continued support for Central Oregon’s seniors through the many services COCOA offers such as: Meals on Wheels; congregate meals; Medicare counseling; in-home care and care-giver support; senior advocacy; case management; and legal services.
NAME: __________________________________________________________________ ADDRESS: ______________________________________________________________ CITY: ______________________________ STATE: _________ ZIP: _______________ PHONE:_________________________ EMAIL: _________________________________ (COCOA will not share or sell your contact information)
Please accept my gift of: $50 $100 $250 ___ My check is enclosed, made payable to COCOA ___ Please charge my credit card.
$500
$1000
$____________
Account # ________________________________________________________________________ Expiration Date: __________________ SECURITY CODE (CVV2): _________ Amount: _____________ Signature: ______________________________________________ Date: ______________________ Our mission is to promote dignity, well-being, security and independence of Central Oregon seniors and adults with disabilities. Your generous gift will have significant impact in helping our elders maintain independence, continue good nutrition and stay safe and secure. There is no greater gift than protecting our history and taking care of those who have done so much to take care of us. Please return this form and generous gift to:
COCOA, 373 NE Greenwood Ave., Bend, OR 97701
COCOA is a 501(C)3, non-profit organization; Your gift is tax deductible as allowed by law 36 | Ageless | The Bulletin
PLEASE CONTACT ME: Please call me about making a planned gift, such as including COCOA in my will. I would like to talk about a gift to COCOA, please call me. I would like to volunteer, please contact me. www.councilonaging.org (541) 678-5483
Central Oregon Senior Nutrition Sites Senior nutrition sites in Crook, Deschutes and Jefferson counties offer congregate meals to seniors. Many of these meals throughout the region are funding by Central Oregon Council On Aging through federal, state and local dollars, program contributions and attendee donations. The senior nutrition meals, often called congregate dining, are generally offered at senior centers or other community centers throughout the region. See info below about days congregate meals are offered at the various sites.
eligible for the no-cost meals are requested to pay the meal sites’ posted cost of the meal. At certain sites, transportation may be available to those who require it. Call COCOA at 541-678-5483 with any question.
Crooked River Ranch • 541-504-8236
Senior Dining Sites
LA PINE SENIOR ACTIVITIES CENTER Meals served Tuesday, Wednesday, Thursday at Noon 16450 Victory Way La Pine • 541-536-6237
Senior lunch sites are conveniently located in eight Central Oregon communities. Information on transportation to some senior dining sites may be arranged by calling Cascade East Transit 541-385-8680. If offered in their area, 60-plus seniors may ride to the senior dining site whether or not they have the ability to pay for the ride.
Volunteer support for the congregate meal sites is vital to making the programs function. While COCOA funds the meals, we contract with providers in each community to put on the meals for seniors. Each meal site is unique and offers variety to the seniors served.
BEND’S COMMUNITY CENTER Meals served Monday-Friday from 11 a.m.-12:30 p.m. 1036 NE 5th St., Bend • 541-312-2069
The number of days per week that the sites offer hot meals varies from one to five. Other activities such as socializing, dancing, health clinics, educational programs, and games are offered at various sites. Anyone can attend the congregate meals. Seniors 60plus, spouses of any age of a senior and caregivers of seniors are eligible for congregate meals at no cost, although donations are much appreciated. Those not
JEFFERSON COUNTY SENIOR CENTER Meals served Tuesday, Wednesday & Friday at Noon 860 SW Madison, Madras • 541-475-1148
PRINEVILLE SOROPTIMIST SENIOR CENTER (Serving Crook County) Meals served Monday-Friday at Noon 180 Belknap, Prineville • 541-447-6844 REDMOND SENIOR CENTER Meals served Monday-Friday at Noon 325 NW Dogwood, Redmond • 541-548-6325
BEND SENIOR CENTER Pizza Social for seniors on Thursdays 12:30 – 1 p.m. 1600 SE Reed Market Road, Bend • 541-388-1133
SISTERS SENIOR LUNCHEON Lunch served on Tuesdays at Noon Sisters Community Church, 1300 W. McKenzie Hwy Sisters • Reservations required, 541-678-5483
CROOKED RIVER RANCH SENIOR CENTER Potluck every Thursday at Noon Old Ranch House, Ranch House Road
WARM SPRINGS SENIOR CENTER Meals served Tuesdays and Thursdays at Noon 2331 High Lookee, Warm Springs • 541-553-3313
Complete Health & Wellness • High Cholesterol
• Coag Clinic
• High Blood Pressure
• Adult & Child Wellness Physicals
• Heart Disease • Stress Testing • Diabetes
• Acute Illness Treatment
• Arthritis Dr. Celso Ganga
n
• School & Employment Physicals
• Lung Disease
• Women’s Health
Dr. Derek Palm
REDMOND MEDICAL CLINIC (541) 323-4545
er
Lori McMillian, FN
P
1 2 45 NW 4t h S t re e t • Su it e 201 • Red mo n d, OR Ageless | Winter 2013 | 37
Ageless EVENTS CALENDAR FRIDAY, FEB. 1
FIRST FRIDAY GALLERY WALK: Art, music, wine and food in downtown Bend and the Old Mill District; free; 5-9 p.m.; throughout Bend.
YOUTH CHOIR OF CENTRAL OREGON: The Singers’ School, Premiere and Debut choirs; $10; 7 p.m., doors open 6:30 p.m.; Bend High School, 230 N.E. Sixth St.; 541-385-0470 or www.ycco.org.
PORTLAND CELLO PROJECT: Sisters Folk Festival’s Winter Concert Series, with Adam Shearer; $15, $20 at the door; 7 p.m., doors open at 6:30 p.m.; Sisters High School, 1700 W. McKinney Butte Road; 541-549-4979 or www.sistersfolkfestival.org.
SUNDAY, FEB. 3
SATURDAY, FEB. 16
NOTABLES SWING BAND: Swing, blues, Latin, rock ‘n’ roll and waltzes; $5; 2-4 p.m.; Bend Senior Center, 1600 S.E. Reed Market Road; 541-639-7734 or www. notablesswingband.com.
MCMANUS IN LOVE: A one-man show about romance and dating; $30-$40 plus fees; 3:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www. towertheatre.org.
THURSDAY, FEB. 7
SATURDAY, FEB. 23
SATURDAY, FEB. 2
CELTIC CROSSROADS: Featuring Irish singers, dancers and instrumentalists; $35-$55 plus fees; 7:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541317-0700 or www.towertheatre.org.
FREE FAMILY SATURDAY: At the High Desert Museum; free; 10 a.m.-4 p.m.; 59800 S. U.S. Highway 97, Bend; 541-3824754.
FRIDAY, FEB. 8
SHOOK TWINS: Quirky folk trio; $14 plus fees; 7:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www. towertheatre.org.
FIRST FRIDAY GALLERY WALK: Event includes art exhibit openings, artist talks, live music, wine and food in downtown Bend and the Old Mill District; free; 5-9 p.m.; throughout Bend.
THURSDAY, FEB. 14
SUNDAY, MARCH 3
VALENTINE DINNER CONCERT: By the Salem Big Band; registration requested; $80; 6 p.m.; Sunriver Resort Great Hall, 17728 Abbott Drive; 541-593-9310, tickets@sunrivermusic.org or www.sunrivermusic.org. HIGH DESERT CHAMBER MUSIC — CROWN CITY STRING QUARTET: String musicians; $35, $10 children and students; 8 p.m.; The Oxford Hotel, 10 N.W. Minnesota Ave., Bend; 541-382-8436, info@highdesertchambermusic.com or www.highdesertchambermusic.com.
FRIDAY-SUNDAY, FEB. 15-17 BEND WINTERFEST: Winter carnival featuring rail jams, races, a children’s area, live music, a fire pit competition, ice and snow sculptures, etc.; $5-$6 for
38 | Ageless | The Bulletin
WinterFest button in advance, $8 at the gate, free for Mt. Bachelor season pass holders; 5-10 p.m.; Old Mill District, 661 S.W. Powerhouse Drive; 541-323-0964 or www.bendwinterfest.com.
FRIDAY, MARCH 1
KEVIN EUBANKS AND STANLEY JORDAN: The guitar virtuosos perform; $32-$47 plus fees; 7:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541317-0700 or www.towertheatre.org.
THURS-SUN, MARCH 7-10
CENTRAL OREGON SPORTSMEN’S SHOW: Largest outdoor show east of the Cascades; $10, $5 ages 6-16, free ages 5 and younger, $15 for a two-day pass; noon-8 p.m.; Deschutes County Fair & Expo Center, 3800 S.W. Airport Way, Redmond; www.thesportshows. com.
All dates and times listed are subject to change at any time.
Ageless | Winter 2013 | 39