SPRING 2021 WESTCHESTER SENIOR VOICE by Westchester Senior Voice

SPRING 2021

SeniorVoice WESTCHESTER

A Talk With Westchester's

Jill Krutick

Today's Retirement Publish Your Own Memoir

Scam Alert!

INSIDE: Getting to Know

Senior Living Communities

Suddenly facing Suddenly facing the world alone? Suddenly facing Suddenly facing the world alone? Suddenly facing thethe world alone? world alone? the world alone?

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We should talk.

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Contents

SPRING 2021

features and stories

38 columns and departments

20 the unplanned journey of jill krutick

10 worth noting

24 the soothing power of pets

13 legal talk: probate and its problems

25 getting to know senior living communities

14 home: living a greener life

38 plant-based eating for a healthier life

18 health & wellness: get outside!

37 scam alert: unemployment benefits 40 real estate: go bold

16 essay: keepsakes

42 wellness coach: boost your immune system

17 memoirs: how to self-publish

44 medicaid advisor: getting needed care

41 legal matters: lost wills 43 retirement: no gold watch 46 app-titude: brain games

westchesterseniorvoice.com

spring 2021

Introducing New Caregiver Services at Phelps The responsibility of being a caregiver is often stressful and has become even more so during the COVID-19 public health emergency. Phelps Hospital’s newly created Care Connections program has partnered with the Westchester Public/Private Partnership for Aging Services to assist caregivers by offering unique services during this difficult time.

We need to care for caregivers like we care for our patients.

Phelps’ Care Connections Program is designed to do just that. We’re here to help ease the burden associated with caring for a loved one. We provide support, counseling and community resource information free of charge from a caregiver navigator. It’s our way of ensuring that you are best able to assist your loved ones. True wellness is achieved when the mind, body and spirit are all nourished. Order your free care baskets containing resource material and relaxing amenities while supplies last.

For more information, contact the Care Connections Program at 914-366-1199 or e-mail us at caregiver@northwell.edu

SeniorVoice WESTCHESTER

Licensed Associate Real Estate Brokers

Overwhelmed by the thought of downsizing? FIRST STOP: Choose the top team for your next move.

PUBLISHER

Susan E. Ross publisher@westchesterseniorvoice.com 914.380.2990

CONTRIBUTING WRITERS

Christine Ashour Rosemary Black Susan Eisenstein Lauren C. Enea Steven Geiger and Rosemary Stern Michael Giannasca and Nathan Shook Jocelyn Kenner Nancy Kessler Jessica Kishpaugh Kim Kovach Donna Moriarty Colin Sandler Anastasia Slesareva Laura I. Rotter

Bringing Buyers and Sellers together successfully for nearly 40 years. Steve Geiger 914.263.5275 steven.geiger@raveis.com stevengeiger.raveis.com ONE PALMER AVE

BALDUCCI’S PLAZA

Filomena Rosemary Stern 914.523.5437 rosemary.stern@raveis.com filomenarosemarystern.raveis.com I

SCARSDALE

CIRCULATION

Rare Sales, Inc. / Bob Engelman 914.661.3605

thegeigersternteam.raveis.com

Caring for You & Those You Love, in Home & Hospital Settings

To our readers: We are able to publish and distribute this magazine through the support of our advertisers. Please let them know you reached out to them because of Westchester Senior Voice. Publisher is not responsible for errors in advertising or claims made by advertisers. We do not knowingly accept any advertising that violates any law. Opinions, articles and advertising appearing in this magazine should not be construed as endorsement by the Publisher of any product, service, or person.

VOLUME 6.2 SPRING 2021 Copyright © Voice Media LLC. All rights reserved. Reproduction in whole or in part without written permission is prohibited. Westchester Senior Voice Print ISSN 2469-5203 Online ISSN 2469-5211 Publishing Quarterly plus an Annual Guide and the Booming BETTER Expo

Concept: CARE

...bringing health care home

www.conceptcareny.com | 50 Main Street, White Plains NY 10606

914-682-7990 westchesterseniorvoice.com

spring 2021

VOICE MEDIA LLC WESTCHESTER SENIOR VOICE PO BOX 301 WHITE PLAINS, NY 10605

WE’LL ALWAYS BE THERE FOR YOU Complex medical conditions require comprehensive rehabilitation programs. Burke provides the essential expertise and resources to help you move forward. From inpatient to outpatient, we will remain your partner, dedicated to your maximum recovery. Learn more at Burke.org REHABILITATION FOR LIFE

785 Mamaroneck Ave. White Plains, NY 10605 spring 2021

westchesterseniorvoice.com

888-99-BURKE

from the publisher WESTCHESTER

SENIOR

Dr. Christine Ashour’s (page 18) article tells us

VOICE turns five years old

how the simple act of going outdoors can improve

with this Spring 2021 issue.

our physical and emotional well-being.

Happy Birthday to us! It's

Eisenstein also explores how we can better our

Susan

been five years of pursuing

health and well-being - this time through the pow-

our mission to empower you

er of pets (page 24). And do not miss our latest

(and me!) – the baby boomers

scam alert: unemployment benefits fraud (page

and seniors of Westchester

37). Even if you’re retired and not at a paying job,

County - to live our strongest

someone may be claiming benefits in your name

and best lives. This was the objective I envisioned

and you’ll be expected to pay the income taxes on

when starting out five years ago and, certainly, this

those monies if you sit back and do nothing!

past year has made that mission ever more challenging but also joyful and gratifying when we get

These articles and others are designed to make

it right.

you stop and consider what’s needed to create your best life. So when you come back indoors af-

Who would have thought we would have to face

ter that walk or card game in the sun, grab your

a once-in-a-century pandemic that would disrupt,

cup of tea, coffee or lemon water and read through

alter and forever mark our lives so precipitously?

this issue. Take the journey with us. I highly recom-

Most of us succeeded in pivoting to a virtual reality.

mend it!

We dug deep and persevered, giving new meaning to words like resilience, fortitude, community

One important note that I will repeat again from

and social responsibility. We also learned that see-

prior issues: Even if you received this issue in your

ing and connecting with each other via boxes on

mail box, in order to continue getting the maga-

a screen has its limits. There is now light at the

zine at no charge, direct to your home, you will

end of the tunnel. For many of you, that bright

need to email your U.S. postal address to us at:

spot may already have arrived. Perhaps you’ve

office@westchesterseniorvoice.com. Alternatively,

been fully vaccinated and are now able to visit with

you can access the digital version of this and other

children, grandchildren and friends. I wish you well

recent issues by going to our www.westchesterse-

in your travels, however expansive or limited they

niorvoice.com website. While you're there, sign up

may be, and in onboarding back to fuller lives.

for our email newsletter.

Here at the magazine, we continue to serve up

Wishing love, peace and kindness upon our world,

purpose, inspiration, and all sorts of ways to better your life. Real-life stories show us what’s possible when we venture outside the expected. Such is the case with our (page 20) profile of Jill Krutick,

Susan E. Ross

a Mamaroneck-based artist who about-faced from

Publisher and Certified Senior Advisor®

a Wall Street career to life as a full-time fine artist.

publisher@westchesterseniorvoice.com

What is your, “What’s next ”?

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spring 2021

ASK THE DOC When should I see an orthopedic surgeon for pain?

Dr. Andrew Casden, Chief of Orthopedic and Spine Surgery at White Plains Hospital, answers this common question. Experiencing some type of pain in your back, joints and muscles is a natural part of aging. For instance, a strain following a strenuous walk or morning stiffness as you get out of bed are all very common with advancing years. In fact, studies suggest that one out of three people in the United States are living with varying degrees of discomfort. “I tell my patients who complain about morning stiffness to have a cup of coffee and a shower, and then tell me if they still have pain, or if it goes away on its own,” says Dr. Casden. However, significant pain in the back, neck, arms or legs that lasts longer than a week should be evaluated by an orthopedic specialist, says Dr. Casden. The specialist will typically treat this pain using physical rehabilitation, counseling, medications and complementary therapies before even considering a referral to a spine surgeon, he says. “If those options do not work, patients at White Plains Hospital can be assured of a safe, personalized surgical approach to help them return to their normal quality of life,” says Dr. Casden. “With advancements in technology combined with the precision of minimally-invasive procedures, patients don’t have to live with their chronic pain any longer.”

KNOW WHEN TO CALL THE DOCTOR 1. pAiN THAT DOEs not go away

2. pAiN THAT AffECTs DAiLy ACTiviTiEs

3. pAiN LEvEL is A six out of ten

4. fREquENT usE Of MEDiCATiONs

Significant pain in the back, neck, arms or legs that lasts longer than a week, and doesn’t go away with overthe-counter medicines or rest, should be evaluated.

See a specialist if pain is interfering with your ability to function, including walking, sleeping, or using your arm or leg, and if it is affecting your emotional well-being.

Doctors often use a scale of one to ten (worst) to assess patients’ pain. A six normally indicates a moderately strong level of pain.

You are taking over the counter anti-inflammatory medications more than five times a week, or on a regular basis, and continue to have pain.

To find an orthopedist, call 914-849-MyMD or visit wphospital.org

A MEMBER OF THE MONTEFIORE HEALTH SYSTEM

spring 2021

westchesterseniorvoice.com

WORTH NOTING

Center for Healthy Living Fulfilling Its Mission Virtually

maintain supportive care along with selfcare strategies.

When Northern Westchester Hospital’s Center for Healthy Living (CHL) opened next to Whole Foods Market at Chappaqua Crossing in January 2020, the expectation was that it would fill with area residents of all ages looking to achieve their own optimal mind, body and spirit wellness with programs such as mindful eating; plant-based cooking; health screenings for osteoporosis, cholesterol and blood pressure; and even reflexology and acupuncture. Despite the pandemic's upending of welllaid plans, the Center quickly converted programming to an online model. The physical location is now a site for patient laboratory testing (prescription required) and Covid-19 testing. In-person programs are expected to resume post-pandemic. The good news: you can still access great programming virtually. CHL offers a wide variety of community health education: counseling, weight management as well as a teaching kitchen; integrative medicine; health and wellness consultations;

There are also Wellness Wednesdays, a phone conference series all about health. Dial in every month to hear the latest information from clinicians and health experts.

and a variety of support groups. Recent free live programs over Zoom included Oh, My Aching Body, featuring a panel of leading orthopedic surgeons discussing the latest treatments – surgical and non-surgical; Chair Yoga, emphasizing breathing, balance and taking things at your own pace; and Self-Care for the Caregiver, led by a social worker and health educator who discussed how to

To view upcoming programs, go to www.eventbrite.com. Once on the site, enter Northern Westchester Hospital Center for Healthy Living into the “search events” box at the top of the page and you’ll be delivered a list of free online events, courtesy of CHL. Click on the event name and you’ll be taken to the sign-up screen. To reach a member of the CHL team, email CHL@northwell.edu

New Owner of Green's Natural Foods shopping experience through improved store services, curbside pickup, and future online delivery options.”

A staple in Westchester for nearly 30 years, Green’s Natural Foods has been acquired by Hudson Equity Partners. Shine Paul has been appointed CEO for the retail grocery chain, which has locations in Briarcliff Manor, Eastchester, Mount Kisco and – most recently, Somers. Paul commented, “We are delighted to be second-tonone in our offering of USDA organic produce and natural dietary supplements.

We look forward to serving both new and loyal customers by enhancing their grocery

Green’s will continue to offer a curated selection of natural, organic, and prepared foods, and to prioritize working with local farmers and best in class suppliers for

westchesterseniorvoice.com

spring 2021

their fresh products. They will also focus on making an impact in the community through greater involvement in area non-profits such as Feeding Westchester. “Green’s remains committed to organic and natural products. We will maintain normal business operations and ensure that this transition is seamless for all our valued customers,” said Vice-President of Operations Amelia Irizarry. Discounts for seniors remain in place: 10% off on Wednesdays.

Good days are brighter and tough times are easier with the RIGHT COMPANION! Stay in the home you love with help from our skilled, senior-aged companions who can provide a little assistance or full-time help. Call us today! SeniorS Helping SeniorS weStcHeSter/putnam nY 914-263-7716 www.seniorcarenorthwestchester.com

spring 2021

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WORTH NOTING

Jacob Burns Film Center Launches Virtual Marquee

Lifelong Learning

at Music Conservatory

If you missed the Jacob Burns Film Center’s screening of Some Kind of Heaven, the documentary from Lance Oppenheim that “cracks the manicured facade” of The Villages (a massive self-contained retirement community in Central Florida), you will want to consider signing up for JBFC's new virtual screening platform so as not to miss any other gems. Designed to provide easy and streamlined at-home access to JBFC content, viewing is available on your phone, tablet, laptop, desktop or television. Their Virtual Marquee Apple and Roku TV apps are also available for home media set-up.

The platform features an ongoing selection of new releases along with an appealing curated selection of repertory films and one-of-a-kind series, which recently included Making Waves: New Romanian Cinema and Contemporary Arab Cinema. There is no cost to sign up. Most screenings cost $12, after which you’ll have about a week to watch the film online. Purchases provide much-needed support to JBFC, as the theater remains closed (as of this report) due to the pandemic. Go to their website www.burnsfilmcenter.org to learn more and become a member.

Yearning to express yourself musically, reignite a former interest or start an entirely new adventure? Dust off that instrument or try something new with private lessons at Music Conservatory of Westchester. Now offering both online and in-person lessons at their White Plains location, the Conservatory's world-class faculty are friendly and welcoming - and work with all levels, from beginners to advanced students. Enroll and enjoy their community of adult music lovers. Located at 216 Central Avenue in White Plains, call 914-761-3900 to learn more or visit their website www.musicconservatory.org.

Burke Adds State-of-the Art Outpatient Location To further its commitment to delivering quality and convenient rehabilitation services to the community, Burke Rehabilitation Hospital has opened an additional outpatient location in Elmsford at 555 Taxter Road. This new site provides state-of-the-art physical, occupational, speech and specialty therapy treatment for patients who have experienced an illness, injury or surgery. Burke’s therapists use the latest research-based techniques available to ensure each patient reaches their maximum recovery. “The healthcare demands of our local communities have shifted toward outpatient services,” said Jeffrey Menkes, Burke Rehabilitation Hospital President and CEO. “Now more than ever, pa-

in the river towns area of Westchester and the tenth outpatient therapy site in Burke’s network. Other locations include: Armonk, two in the Bronx, Mamaroneck, Purchase, Somers, two in Yonkers and Burke Rehabilitation Hospital’s main campus in White Plains.

tients need high quality, compassionate rehabilitation therapy care close to their homes. Our expanding network of outpatient sites helps meet that need.” The Elmsford site is the first location

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With patient safety always a priority, each Burke location adheres to all recommended CDC and New York State Department of Health guidelines relating to the COVID-19 pandemic. For more on Burke’s outpatient services, visit www.burke.org/outpatient.

spring 2021

LEGAL TALK

Probate and Its Problems! “If I have a Will, I avoid Probate, right?” This is a question I hear all too often and, unfortunately, the answer is more complicated then yes or no. Probate is the legal process that takes place when someone has a Last Will and Testament and passes away with assets titled to their name alone. It is a court proceeding necessitating the filing of one’s Last Will and Testament in the Surrogate’s Court of the county where the decedent resided and the appointment of the executor named in the Last Will and Testament as the fiduciary of the decedent’s estate. If someone passes away without a Last Will and Testament, a similar proceeding, known as an Administration Proceeding is commenced. So, in short, having a Last Will and Testament does not avoid probate and a probate proceeding would be necessary if there are assets held in the decedent’s name alone. The following are some of the reasons one should try to avoid utilizing a Last Will that needs to be admitted to probate upon one’s death: (a) Avoid the potentially significant legal fees and filing fees associated with the probate process. While legal fees may vary depending on where one resides and the experience of the attorney retained, it is not unusual for the fees to be three to five percent of the decedent’s gross estate. Additionally, court filing fees associated with probate go up to $1,250

for an estate worth $500,000 or greater. Unanticipated expenses can also arise where the court needs to appoint a Guardian ad Litem (an attorney) to represent the interests of any beneficiary who is a “person under a disability” or where a beneficiary seeks a formal accounting to be filed with the court for court approval. Expenses associated with ancillary probate proceedings may also arise where the decedent owned property in a state other than New York. (b) The probate process can often take nine months to over a year to complete. Even after the Last Will has been admitted to probate, there are filings such as the Inventory of Assets and Affidavit of Completion, which are required by the Court to be filed after a specific period of time. The Affidavit of Completion cannot be filed until at least seven months have passed and often it takes longer than that to completely marshal all assets, pay all debts, file all necessary taxes and ensure the beneficiaries have received an accounting and their proper distribution of the estate assets. (c) The existence of a Last Will that needs to be admitted to probate increases the risk of a Will Contest. When a Will needs to be admitted to probate, not only are the beneficiaries under the Will entitled to notice, but any distributee (person who would inherit under the Laws of the State of New York if there was no Last

BY LAUREN C. ENEA, ESQ. Will and Testament) has to be cited (served with notice) or consent to the Will being admitted to probate. This presents the opportunity for a distributee to challenge the validity of the Last Will on grounds such as lack of testamentary capacity, undue influence, fraud or duress. A Will Contest can take years to settle and the potential legal fees and expenses are significantly greater. (d) Probate is public! When one’s Last Will and Testament is admitted to probate, it is then on file and open for public viewing. Additionally, the nature and value of the assets comprising one’s estate, along with the chosen beneficiaries are outlined in the probate petition and inventory of assets. This lack of privacy is a sufficient reason in and of itself to avoid the probate process! To avoid these potential problems, the use of a Trust, whether Revocable and/or Irrevocable should be considered as a tool to avoid the probate process and the potential costs and delays associated with it. n n n

Lauren C. Enea, Esq. is an Associate at Enea, Scanlan & Sirgnano, LLP. She concentrates her practice on Wills, Trusts and Estates, Medicaid Planning, Special Needs Planning and Probate/ Estate Administration. Ms. Enea believes it is never to early or too late to start planning for your future. She is admitted to practice law in New York and Florida and is an active member of the Executive Committee of the New York State Bar Association (NSYBA) Elder & Special Needs Section. She can be reached at 914-948-1500 or at L.Enea@esslawfirm.com. Please visit www. esslawfirm.com for more information.

What steps have you taken to protect your life savings from the cost of long term care? . Elder Law . Asset Protection . Medicaid Applications (Nursing Home/Home Care) . Guardianships (Contested/Non-Contested) . Wills, Trusts & Estates WHITE PLAINS

SOMERS

WWW.ESSLAWFIRM.COM

Contact LAUREN C. ENEA, ESQ. spring 2021

. 914.948.1500

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HOME

Living A Greener Life BY JOCELYN KENNER

OF AMERICA or THE GREEN DROP. These charities accept most household items and clothing as long as it can be moved by one person. To donate larger household items such as furniture, contact FURNITURE SHAREHOUSE or the BENEFIT SHOP. What if you want to drop off your donations? GOOD WILL and The Green Drop accept most smaller household items and clothing at their locations. Always check each charity's website to view its accepted items list, as they change from time to time depending on supply and demand.*

Sesame Street’s Kermit the Frog used to sing, “It’s Not That Easy Bein’ Green.” Whereas he was singing about being a frog, when Earth Day (April 22) rolls around, that song always comes to mind. As a long-time professional organizer deeply concerned about climate change, there are many ways to be environmentally conscious. It can be as simple as recycling paper, cans and bottles to a bolder gesture like installing solar panels on your home. Any effort you make is a step in the right direction. I encourage my clients to be green when decluttering their homes. For items that are no longer needed or wanted, but still usable and in good shape, below are some ways to avoid landfills: My first suggestion is to use a charity that offers a pick-up service from your home such as VIETNAM VETERANS

There are smaller charitable organizations scattered throughout Westchester County that welcome drop-off donations and many are affiliated with houses of worship. You can also find charities that service a specific population. MIDNIGHT RUN in Dobbs Ferry collects coats, clothing and blankets for the homeless and HUMANE SOCIETY OF WESTCHESTER in New Rochelle is always grateful to receive usable towels, sheets, and dog or cat food. If you have medical supplies (walkers, shower chairs, crutches, unopened over-the-counter drugs, personal care items, etc.), AFYA FOUNDATION in Yonkers collects and sends these provisions all over the world to help communities in desperate need of medical supplies. If you prefer, you can sell your unwanted items through consignment stores, tag sales, or listing them online. Online platforms such as NEXTDOOR, FACEBOOK GROUPS, FREECYCLE, CRAIG’S LIST, and BUY NOTHING GROUPS offer a place to post items to give away, sell, and to request. When a neighbor had her first grandchild visiting, she posted a list of items she needed on Nextdoor and local neighbors gave/ loaned her a gate, high chair, and portable crib. My husband and I have given away several items through these platforms, including a working older dryer which we listed on Freecycle; a grateful

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family came to retrieve it. Last month, we posted a metal file cabinet on the local Facebook Buy Nothing Group, and the cabinet was picked up that same day! One of the best kept secrets in Westchester County is the HOUSEHOLD MATERIAL RECOVERY FACILITY in Valhalla. The H-MRF accepts household hazardous waste and other items worthy of special handling from county residents. This free service** takes old electronics, hazardous household chemicals, mercury thermometers, pesticides, tires, and propane tanks, to name just a few items! They also offer a free shredding service while you wait. If you haven’t yet made an effort to live a greener life, here are a few simple organizing ideas to get you started: get a shopping bag for paper recycling and another one for shredding and keep them where you open your mail; find a box to hold hazardous household chemicals and medicines until they can be disposed of responsibly; keep an empty shopping bag in your closet or the laundry room to collect clothes ready to be donated. And, of course, bring reusable shopping bags to the grocery store. By the end of his song, Kermit came to appreciate the value of “bein’ green." I hope as your spring-cleaning urges take hold, I have offered some easy ways to be environmentally greener, too. * COVID may have temporarily interfered with usual practices, so please check with the resources in this article before donating. **Except Somers, North Salem, Lewisboro, Pound Ridge, Bedford, North Castle and New Castle, which all charge for the service. n n n

Jocelyn Kenner is a Professional Organizer and Coach and the owner of See Your Way Clear. She works with people of all ages to help them overcome organizing challenges and live an easier life. Contact her at 914-907-6712 or jocelyn@kenner. org; www.seeyourwayclear.com

spring 2021

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THE ESSAYIST

keepsakes:

telling our stories BY KIM KOVACH

Walking around the neighborhood on a beautiful spring afternoon, I notice the sounds of the birds, the sights of the budding trees and flowers, and the feel of the sun’s rays. I also notice the boxes and packages piled up on almost every front step. Our homes are filled with so much stuff – furniture, electronics, exercise equipment, books, clothing and tchotchkes. Many of us keep cartons of belongings up in the attic or down in the basement or pay for storage units. We acquire this abundance of possessions over a lifetime but what do we actually cherish? Cherished items present a tangible connection to a special person or time in our lives. Handwritten family recipe cards tucked into a small box, an etched glass vase or a handmade quilt can be reminders that link us to precious moments and family stories. These sentimental keepsakes deserve to be on display, not packed away in a cardboard box.

Keeping Connections My father’s parents were born in Hungary and met after they had each moved to New York around 1913. Grandma Kovach died before I turned three years old. I didn’t get to know her but I wish I did. As children, my brother and I visited my grandfather in the two-bedroom apart-

ment where my dad had grown up. I liked to walk from room to room looking at every photograph and knick-knack. In the living room, small ceramic figurines were displayed on top of a wooden trestle table. A brown and white cow, a calf, and a smiling girl in a yellow and blue outfit with braided hair were my favorites. I remember carefully carrying each delicate object down to the carpeted floor to play with under that trestle table. After my grandfather passed away, I asked for a few items to remember my Grandma Kovach. I selected an Art Deco eight-day clock and a photograph of my grandmother as a young woman carrying a parasol. Of course, I requested the ceramic cow and calf and the girl with the braids. These items were not antique collectibles crafted in the old country. The cow was stamped “made in Japan.” But they had belonged to Grandma Kovach so they were special to me. In every place I have lived over the years, from my childhood bedroom in Queens to my first apartment in Manhattan and my homes in Westchester, I cherish and display these special family keepsakes.

Memories in Every Room Susan Grissom of Pound Ridge likes to surround herself with cherished family objects. Born and raised in Jackson, Tennessee, Susan moved to Westchester in 2001. “I can look around this room

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and my family is here,” she said, describing the Gothic-style wooden clock with its spires and columns from her childhood home that now rests on her fireplace mantel. Susan also displays her family’s copper kettle and still uses her mother’s sweet potato casserole dish from the 1940s, as a reminder of family holidays. “These objects help you keep your memories.” She points out even more family treasures, including a desk her father salvaged from the Louisville & Nashville Railroad Station in Jackson. “It means a lot to have something from historic Jackson.” A mixed-media artist and photographer, Grissom manages collections at the Pound Ridge Historical Society. Items saved by early Westchester residents include carpentry and gardening tools, a 1920s sewing kit, a wool and silk shawl from the 1800s, along with musical instruments. Every family keepsake tells a story. We cherish these items not for their monetary value but for the currency of memories. These keepsakes honor the people and places they evoke. What are your cherished possessions? n n n

Kim Kovach teaches fiction writing and narrative nonfiction writing in Westchester and Fairfield. Cherished items inspire writing family stories. www.kimkovachwrites.com

spring 2021

memoirs:

how to self-publish BY NANCY KESSLER

Congratulations! You’ve finished writing a document that will become your memoir. Many authors dream that the next step is uploading their Word document and digital images to Amazon KDP Publishing and, with the push of a button (or two), voilà, their book is on sale online. A nice dream, but as someone who has helped dozens of memoir writers selfpublish, here’s a glimpse of what’s actually involved in turning your manuscript into a printed book via Print on Demand (POD) technology.

typical 15-year-old grandchild would know how to do. Deciding on easy-toread fonts, proper leading (space between lines), hyphenations, and the overall look of the pages (headers, footers, etc.), as well as the best way to place images, requires someone with graphic design expertise. Plus, a book designer will also help you create your table of contents and any special pages. Additionally, you are likely to need a designer with skills appropriate to creating the cover and a PDF (electronic image) of it, according to the POD printer’s specifications.

Step #3: Creating the publishing details.

Step #1: Editing. There’s no way around this. No matter how good a proofreader you are (or a family member is), you need a professional editorial eye on your manuscript before publication. A copy editor will flag unclear passages and inconsistencies along with spelling, spacing and grammar issues. They may even help you input the corrections accurately into your file. I also recommend a separate, final proofread of the manuscript, after all the tweaking that happens during the layout process. Both are well worth a writer’s money, and your readers will thank you.

Step #2: Layout. Sometimes I have to tell my clients, No, laying out a book is not something your

While your book is being designed, you should be creating a “metadata” document that summarizes the details of your book: full title, authors, keywords for searches, a summary of the book (short and long), and the total number of pages - once finalized. Most POD publishers will also help you get an International Standard Book Number (ISBN) tracking code assigned to your book.

Step #4: Uploading your files. Uploading PDF files to online POD publishing sites like Amazon KDP or Lightning Source can be easy… or challenging. Your designer may need to upload the files to your account for you and troubleshoot them as well. For example,

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all the images will need to be properly “linked” to the pdf file. Otherwise, your upload will be rejected.

Step #5: Reviewing proof copies and ordering books. You’re almost done, but not quite. The review process from upload to signing off on your author’s proof copy can take several weeks. Once approved, you will be asked to set your book’s price (based somewhat on the number of pages). No matter what price you set, keep in mind the POD printer costs for making and shipping each book often takes a huge chunk of each sale. My authors are surprised to find they often make less than $5 per book. That’s just the overview! So yes, getting your memoir into print may take more time, expertise, and expense than you bargained for. (And creating an e-book version of it is an entirely separate process.) I always say that publishing your memoir is not a moneymaker but a joymaker: the joy of turning your life journey into a keepsake book for you, your friends and family to enjoy. n n n

Nancy Kessler is the owner of MemoirsPlus (memoirsplus.com), a full-service memoir writing and publishing solution that helps writers self-publish their life stories. Nancy can be reached at 914.261.0834 or memoirsplus@gmail.com

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HEALTH AND WELLNESS

Doctor's Orders: Get Outside! BY DR. CHRISTINE ASHOUR

TAKE A BREATH OF FRESH AIR. You really should stop and smell the flowers. Research shows that natural scents like roses, freshly cut grass, and pine make you feel calmer and more relaxed. A deep breath of fresh air can clear your lungs, give you more energy, and improve your circulation. Spending more time outdoors is also linked to improved levels of concentration, creativity, and mental clarity.

Spending time outside is important. It allows you to take a breath, relax, and reset with a better frame of mind. It doesn’t matter if you’re at a park, in the woods, or in your backyard, being in nature can have a calming effect and improve your mental and physical health, especially when it's combined with exercise. While it's true that we all need to do everything we can to protect our health during the pandemic, it is also vital for us to stay physically and mentally active. After a year of quarantining and social distancing, there's never been a better time, and bigger need, for the benefits of nature. The key is to find outdoor activities that allow for appropriate social distancing and other safety measures. Here are several suggestions that fit the description: WALK AWAY THE WINTER BLUES. The older population has been especially impacted by the coronavirus pandemic, being at higher risk of serious illness. Additionally, according to a KFF/Medicare analysis, one in four seniors reported episodes of anxiety or depression during this time. Studies have shown that being outdoors lowers levels of cortisol, a hormone that’s a marker for stress. Walking around the community is an easy way for you to keep active.

If the weather is pleasant and it’s possible to avoid crowds, a walk around your neighborhood can help reduce a feeling of restlessness and deliver mood- and immune-boosting benefits. GET A BOOST OF VITAMIN D. You can improve your health just by soaking up the sun. Vitamin D regulates your immune system and can help battle depression. According to the National Library of Medicine (part of the National Institutes of Health), an estimated 40 percent of U.S. men and women are vitamin D deficient, which can be linked to osteoporosis, cancer, heart attacks and strokes. An adequate intake of vitamin D for adults through age 70 is 600 international units (IUs) daily. For ages 71 and older, the recommended daily intake is 800 IU. However, many adults with low vitamin D may need supplementation at a higher dose which should be discussed with a physician.

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FINALLY, BRING THE INDOORS OUT. You can take indoor activities such as board games, crosswords or puzzles outside for fresh air and a change of scenery. Socializing with friends outdoors, by taking a walk or sitting together, can be safe and very enjoyable if you socially distance. In settings where social distancing isn’t possible, then wearing a mask and practicing good hand hygiene will help you enjoy your time outside in the safest possible way. Whatever you choose to do, going outdoors can have a positive effect on your outlook and overall health. n n n

Dr. Christine Ashour is a Family Medicine Physician. To make an appointment with Dr. Ashour at White Plains Hospital Medical & Wellness in Armonk, call 914-849-7900, or in Yorktown Heights at 914-849-7060.

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Jill Krutick in her Mamaroneck studio with her dog Rocket winter 2020-2021 25 westchesterseniorvoice.com

people are in need, you are likely to find volunteers. Many, if not most, of these volunteers are 55 and older. This is certainly true at Feeding Westchester (FW), the nonprofit formerly knt zone, the National Guard was called in. Their assignment included maintaining operations at

THE UNPLANNED JOURNEY OF FINE ARTIST n n n

Donna Moriarty is a lifelong writer, editor and author who writes about education, wellness, and personal development. She and her husband are Ossining residents, with three grown children and two elderly dachshunds. Learn (and read) more at www.silversmithwriting.com

Jill Krutick BY DONNA MORIARTY

Rewind to autumn of 2019: fine artist Jill Krutick was living the dream. Her abstract paintings, displayed in scores of private and public permanent collections and in her own studio in Mamaroneck, were selling well. Prestigious art museums in Florida, Montana, and Mallorca, Spain, were exhibiting her pieces, and she was even tapped for a group gallery exhibition, The Feminine Sublime, slated for the spring of 2020. Not bad for someone who, just ten years prior, had reached a career pinnacle as a media analyst and Wall Street executive. “It was a completely unplanned journey,” Krutick says. “I never intended to be a full-time artist.” Like many children growing up on Long Island, the young Jill Krutick took lessons in piano, figure skating, and painting. And while her talent might have steered her toward a creative path, she embarked on a business career, working at esteemed firms like Salomon Brothers, Citigroup/Smith Barney, and Warner Music Group.

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Twenty years in to an impressive career by any standards, Krutick’s backburnered love for the arts and creative expression, along with a husband and two teenaged children, called more loudly for her attention. She left corporate life, began taking classes at the Art Students League, and painting in her Scarsdale home after the kids were in bed. Giving away her canvases as gifts to friends and family, painting provided release and rapture, which grew along with her technique.

Krutick’s among them, on a massive billboard 40 feet above Times Square. The exposure gave her an idea. With help from her assistant, Simone Kurtz, Krutick created her own “virtual” gallery, complete with dramatic lighting and stylized placement of her paintings on walls that convey the look and feel of being in her space. “People can enter virtually and walk around, looking at my paintings as if they were visiting a gallery,” she marvels.

She began displaying her art locally, in office buildings and banks. Her first public exhibit—for the Pelham Manor Club in 2011—was followed by small shows at libraries, women’s clubs and arts associations, then galleries in Manhattan and Westchester and in the permanent collection of one of her former employers. By then, her paintings were literally selling off the walls. In 2018, she opened Jill Krutick Fine Art, working on larger and more complex paintings Inset: One of Krutick's pillow as she explored shams on her Etsy.com store. her medium. “The more I painted and made contact with people connected to the art world, the By the summer of 2020, the explosion more doors opened to me,” Krutick re- of virtual communications in all aspects calls. “It set off this blossoming of my of daily life enabled Krutick to connect curiosity. It’s a pleasure to explore inter- with new people, new avenues of exests later in life once you’ve established pression, and new ways to create art. yourself, to do whatever is most joyful She launched Painting Story Times, to you.” a series of short YouTube videos that depict her inspiration and artistic proWhen the pandemic upended the entire cess. She provided the narration, her world, Krutick’s scheduled shows were calm voice paired with mesmerizing canceled or postponed by at least a year closeups of her hands as they swirled - with one notable exception: the virtual paint on canvas. component of what should have been a glitzy reception for the Oculus in New Today, Krutick continues to experiment York City. Throughout the spring, the with new technology and platforms bevenue displayed selected works of art, yond the usual Facebook and Instagram westchesterseniorvoice.com

feeds. “I’m on TikTok, which appeals to a younger audience, a lot of them trend setters and art lovers,” she says. “But people of all ages can access my work. Anyone who can click a link can visit my exhibits, interact with me, and watch my process.” Krutick knows the importance of collaboration in extending her creative reach. Of her assistant, a Pratt Institute alumna who has managed the studio since it opened, she says, “Simone is a treasure. She’s a talented photographer, videographer, artist and designer who helps me with all my projects.” Krutick also hired a manufacturing company to reproduce her art on wearable items, and now sells them in her online Etsy shop. “Painting truly is a passion, and the more I do it, the more I feel inspired to do it in different ways,” she says. Some of Krutick’s earlier works are still on display in a few Westchester locations. And while the virtual studio on her website is open 24/7, she encourages in-person visitors, by appointment, to her studio gallery on Mount Pleasant Avenue. The Covid-related decline in foot traffic prompted her to offer her 1,500 square foot Crayon Forest gallery space for use by local groups with arts-related missions. A woman clearly unafraid of taking risks, Krutick says her years in corporate America taught her to boldly embrace challenge. “I try to bring that to my art, to shake things up and try something new each time,” she says. “You never know what you’ll discover until you open the door and walk through it.” n n n

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BOOMER LIFE

The Soothing Power of Pets

When it comes to experiencing how pets can relieve stress, Pleasantville’s Eileen McFadden knows a thing or two. The pet mom of two cats adopted from the SPCA of Westchester and four rescue Golden Retrievers, she works at a job deemed essential.

When coming home to her brood, she says, "I can feel my shoulders and neck start to relax and the tension leave my body. Brushing them is very relaxing. They all line up for their turn. I think the personal touch from me to them and vice versa has helped all of us." Pets make good companions, a lesson many people like Eileen already know. During the pandemic, they also have become, so to speak, essential workers: caring for those in isolation and/ or experiencing anxiety. "Just petting a dog or cat has been shown to lower blood pressure and increase oxytocin, a hormone that promotes a sense of calmness. Interacting with any pet is a cure for boredom which is so easy to experience at this time," points out Cynthia C. Eldredge, VMD of Croton-On-Hudson Veterinary Clinic. Judith Baltich, 82, lives with her two-yearold German Shepherd Calle Rose. They

BY SUSAN EISENSTEIN this time. My dog followed me everywhere in my house. I never felt alone," Liz says. Beacon also serves as a GPS for Liz. One day, when hiking a new trail, Liz couldn’t find her way back to the main trail. "Wouldn't ya know it," Liz marveled, "Beacon found our way home!"

can be found walking New York State trails throughout the year. Callee Rose gives Judith a chance to care for another being and, in return, the shepherd may be at least partly responsible for Judith's medication-free life. "You have to take care of a pet and get out. Especially with a dog, you meet other people. Callee Rose's company is unbelievable. She sleeps in my room. I cannot operate without a dog," Judith admits. And the benefits of pet ownership just keep coming. Yorktown Heights’ resident Liz Marlowe, 61, depends on her dog Beacon for companionship and to push back feelings of isolation. "Especially during quarantine, Beacon was my constant companion. I am not married anymore and it was so hard to see people during

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As the pandemic struck, animal shelters across the country saw a sharp spike in pet adoptions and fosters. Shelter Animals Count, an independent nonprofit that is home to The National Database of sheltered animal statistics, put the adoption rate in April of 2020 at 84%, compared to 62% in 2019. What's happening here just might be the new pet normal. Dr. Eldredge affirms, pets give people the motivation to get up and start their day. “They can also provide a reason to exercise regularly and socialize safely outdoors with other people." Not surprisingly, more and more people recognize the companionship and improved well-being our pets bring us. They make life fuller and warmer. Pet parents can all agree with Eileen McFadden when she says, "Thank goodness I have all these beautiful animals to help keep me sane!"

spring 2021

Senior Living GETTING TO KNOW

Communities

PHOTO: COURTESY OF THE GREENS AT GREENWICH

Getting to Know

One Wartburg Place, Mount Vernon, NY 10552 914-699-0800 www.Wartburg.org Wartburg is unlike any retirement community you have ever seen before. We believe that the quality of life is as important as the quality of care. Wartburg’s gated, lush 34-acre campus with 24-hour security is tucked behind a quiet residential neighborhood near the Mount Vernon-Pelham border. Since its beginnings as an orphanage over 150 years ago, to the award-winning, comprehensive older adult care community, Wartburg offers a gold standard of living and care options. Safety is always a priority at Wartburg. As we emerge from the shadow of COVID-19, Wartburg observes all federal and state mandated protocols to protect the health and safety of our staff and residents. We remain vigilant and dedicated to creating a community of care where seniors can avail themselves of the benefits of an urban lifestyle in a park-like setting, with the peace of mind that comes from knowing there is a team ready to help them as their needs change. Whether you need temporary assistance or ongoing services, Wartburg has the support you need to live independently for as long as possible in a community that cares. We offer everything from independent senior living and assisted living options to nursing home facility. We also offer adult day care, palliative care, hospice care, and respite care. If you live independently but require assistance, we offer in-home support for your daily needs, and can also provide rehabilitation and skilled nursing services. At Wartburg, you can age in place gracefully - secure that your health and safety are our priority. At Wartburg, you can live your best life.

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spring 2021

SPONSOR CONTENT

Wartburg

Senior Living Communities

Meadowview Assisted Living Makes Life Easier and More Rewarding

Meadowview’s priorities have never been more certain. We focus on quality care and service as well as resident protection measures, including testing, screening and the highest level of infection control standards as directed by our registered nurse and medical staff. We are currently offering virtual tours and Zoom meetings with key staff as a way to explore Meadowview. We have revised move-in protocols including a 14-day initiation period. You’ll enjoy: • Your new home located on a beautiful 34-acre campus with a full continuum of care • Recent $1 million renovation • Three meals a day • 24/7 concierge and on site nursing with physicians on call • Housekeeping and laundry services • Creative Aging, Music Therapy and Advance Life Planning programs • Special Memory Care Neighborhood for those with special needs • And much more!

Ask about our Friend/Family Referral Promotion and our Short Stay Program.

Please call (914) 513-5178 to speak to our experienced move-in coordinator or visit wartburg.org

INDEPENDENT LIVING ❘ ASSISTED LIVING ❘ ALZHEIMER’S/DEMENTIA CARE ❘ NURSING HOME ADULT DAY CARE ❘ HOME CARE ❘ INPATIENT REHABILITATION ❘ OUTPATIENT REHABILITATION HOSPICE CARE ❘ CAREGIVER SUPPORT ❘ SPIRITUAL CARE spring 2021

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Getting to Know

101 Theall Road, Rye, NY 10580 888-9-OSBORN

www.TheOsborn.org

Although The Osborn is often associated with its gorgeous classic architecture and modern amenities, today’s residents are just as concerned with safety and staying connected in this era of COVID-19. The Osborn prides itself on offering an active, engaged lifestyle even during these unprecedented times. Residents can enjoy gourmet meals, physical activity such as socially distant walks, golf on an outdoor putting green, fashion shows, outdoor dining, concerts, and even modified visitation with family, all while adhering to CDC and New York State Department of Health protocols. Residents are drawn to The Osborn for many reasons. For some, it may be the gorgeous 56-acre campus that is meticulously manicured and graced with more than 100 varieties of trees. Others enjoy the fine dining, movies, and other activities. Many residents move to The Osborn for an independent living residence. They enjoy peace of mind, knowing that should their needs ever change, they don’t have to leave The Osborn campus. As a continuum of care community, The Osborn offers Independent Living, Assisted Living, Home Care, Memory Care, Short-Term Rehab, Long-Term Care, and Outpatient Rehabilitation. Opened in 1908, The Osborn is a non-profit organization and one of the most well-known senior living communities in the area. At a time in which new communities are opening at a record pace, people are looking for an organization that has demonstrated longevity, financial security, and a proven track record of excellence. All of these are found at The Osborn in a safe, secure environment. Sterling Park, The Osborn’s independent living community, offers a 100% refundable entry fee for apartments and spacious, single-story garden homes. The Osborn also offers attractive rental options. The community provides various levels of care on its Rye campus, giving residents an exciting, engaged lifestyle now and options for the future.

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spring 2021

SPONSOR CONTENT

The Osborn

Senior Living Communities

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The Osborn provides a safe environment, engaged lifestyle and the opportunity to live your best life LIVING OPTIONS THAT FIT YOUR LIFESTYLE: INDEPENDENT LIVING Entry fee and rental living options for active seniors

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MEDICAL REHABILITATION Highly rated in-patient and outpatient rehab at The Osborn Pavilion

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101 THEALL ROAD | RYE, NY THEOSBORN.ORG

The Osborn is a not-for-proﬁt 501(c)(3) charitable organization accredited by CARF.

spring 2021

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Getting to Know

The Greens at Greenwich

Maria Scaros, Executive Director: mscaros@thegreensatgreenwich.com 203-531-5500 www.thegreensatgreenwich.com About Us The Greens at Greenwich is a small privately-owned assisted living community for people living with memory impairment. In a world where everything is bigger, we are small in size and big in care. Celebrating our 20th anniversary, we are a recognized and trusted leader in providing excellence in memory care through the creative arts therapies, known to be the new best medicine. Our philosophy is to work daily with each resident to celebrate their strengths and find joy, dignity and purpose in their new normal. Our People and Our Home Through Executive Director Maria Scaros’ hands-on leadership over the past seven years, The Greens provides a family relationship with each resident, their family and each member of the staff. Weekly family zoom meetings, monthly continuing education for staff, licensed creative arts psychotherapists, a warm inviting atmosphere and a staff with extraordinary longevity are key features of what makes us different. Excellence in Dementia Care Our desire is to guide your loved one through their individual journey, helping them to develop coping skills and a sense of purpose and joy related to their new normal. We are always adapting our programs and activities as people change and understand their world differently. Residents have a choice to participate in any way they can, whether it is a large group, a small group or a self-directed activity with support. Community partnerships are an integral part of our philosophy of care and include intergenerational programs, community groups, universities, businesses and museums. Discover The Greens at Greenwich difference. Your silver lining and the best care for your loved one with memory impairment.

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spring 2021

SPONSOR CONTENT

Senior Living Communities

Yesterday’s little moments are today’s precious memories He looked out for your happiness, now it’s time to look out for his When it is time to think about assisted living for your loved one who has memory impairment, it’s time to take a look at The Greens at Greenwich. Discover why The Greens is the leader in providing excellence in dementia care for 20 years. We are a small privately owned assisted living community where staff, programming and culture come together to help your loved one find joy, connections and a sense of purpose related to their new normal. Discover how our small size and passionate staff work daily to provide a plan of care around your loved one’s strengths to create new memories in their journey.

“The team at The Greens treats the residents and their loved ones as one big family. You can feel it in the atmosphere when you visit and you can see it among the residents as they socialize with each other. The wonderful team helps us also navigate our family’s dementia journey.” Amy, daughter of resident

SCHEDULE A VIRTUAL TOUR TODAY Call Maria Scaros, Executive Director 203.531.5500 • mscaros@thegreensatgreenwich.com • thegreensatgreenwich.com spring 2021

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Getting to Know

Artis Senior Living of Briarcliff Manor

553 North State Road, Briarcliff Manor, NY 10510 914-432-2999 www.The ArtisWay.com/SeniorVoice The Difference ‘Why Not?’ Makes. Memory Care guided by positivity, purpose, and passion. As we look back over our lives, it’s our experiences that define who we are. While dementia may slowly erode a person’s memories and cognitive skills, the core of a person’s identity and passions remain. They remain the unique individual they’ve always been, with likes and dislikes, and unique talents and wisdom to share. The details of the past might be harder to recall, but the ability to be genuinely happy and purposeful in the moment are ever-present. So, when it comes to memory care in a community setting, the delivery of daily care must be as one-of-a-kind as the people receiving it. That’s the foundation of The Artis Way—the unwavering philosophy of Artis Senior Living, who offers a refreshingly different approach to memory care. “When you change the way you operate from, ‘We can’t do that!’ to ‘Why not?,’ amazing things happen!” Artis collaborates with families to learn every detail about their loved ones in hopes of getting to know what will make them happy and to find opportunities for meaningful experiences for that resident as often as possible. When presented with a request from residents or families, instead of saying ‘No’, Artis associates say, ‘Why not?’. They really try to give people back the lives they used to love—the aspects of them that their families thought were gone for good. The Artis staff genuinely loves to make the seemingly impossible possible and prides itself on the moments they’ve been able to create for memory care residents and their families. Artis is proof that a disease doesn’t define a person, their indomitable spirit does. For information on our newest community Now Open in Briarcliff Manor, call 914-432-2999 or go to www.TheArtisWay.com/SeniorVoice. westchesterseniorvoice.com

spring 2021

SPONSOR CONTENT

Senior Living Communities

THE ARTIS WAY OF MEMORY CARE IS NOW OPEN and Welcoming New Residents in Briarcliff Manor! At Artis, our residents are not defined by their dementia. We help them be who they’ve always been!

To find out more about Memory Care, The Artis Way or to schedule a tour: TheArtisWay.com/SeniorVoice

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914-432-2999

Artis Senior Living of Briarcliff Manor: 553 North State Road, Briarcliff Manor, NY 10510 Check out our other nearby community in Chestnut Ridge.

spring 2021

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Getting to Know

The Chelsea at Greenburgh

715 Dobbs Ferry Rd., Greenburgh, NY 10607 914-275-0010

www.ChelseaSeniorLiving.com

Chelsea Senior Living's newly completed Chelsea at Greenburgh is a brand new luxury senior living residence that brings state of the art design and lifestyle - all while specializing in enhanced care capabilities. In addition to modern amenities like a bistro, club room, art studio, salon, sports lounge, theater, fitness/rehab room and a separate dining room and program room for Memory Care residents, The Chelsea at Greenburgh will offer specialized services for residents with Enhanced Care needs. These services include, but are not limited to, assistance with injectable medications, complex diabetes management, assistance with walking and stairs, chronic urinary or bowel incontinence and admission to a hospice program. These enhanced care services allow our residents to age in place in a beautiful homelike setting without frequent trips to hospitals and doctors. Chelsea Senior Living operates 21 senior living communities in New York and New Jersey. The Chelsea brand has been associated with superior senior housing and care for over 30 years. The health and safety of our residents and staff is our Number One priority. More information can be found at chelseaseniorliving.com or by calling 914-275-0010.

CHELSEA SENIOR LIVING ASSISTED LIVING - MEMORY CARE (914) 275-0010

715 DOBBS FERRY RD. GREENBURGH, NY

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spring 2021

SPONSOR CONTENT

Senior Living Communities

SPONSOR CONTENT

Getting to Know

RiverSpring Living

Senior Living Communities

5901 Palisade Ave., Riverdale, NY 10471 929-203-2028 www.RiverSpringLiving.org/ learn-more RiverSpring Living has been dedicated to community service, innovation and the highest quality of care for a century. Founded as the Hebrew Home for the Aged, our services have expanded to offer many options to meet the evolving needs of older adults. In addition to the award-winning nursing care at the Hebrew Home, our care solutions include assisted living, independent living at RiverWalk, rehabilitation services, care management, home care options and specialized programs including elder abuse prevention. With a comprehensive and caring approach to healthy aging, the RiverSpring Living family of care solutions offers help and support to over 18,000 residents, patients and members, empowering them to live the fullest lives they can each and every day. For more information about how RiverSpring Living can help you and your family, call us at 929 203-2028 or visit us on the web at www.RiverSpringLiving.org/learn-more

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Above: View from RiverSpring Living Campus

Meet some of our residents (above).

Independence through community.

SEE WHAT RIVERWALK COULD MEAN FOR YOU OR YOUR LOVED ONE. Call 929-203-2009 for more details, or visit riverspringliving.org/riverwalk22 for a virtual tour.

Senior Apartments

BY RIVERSPRING LIVING

spring 2021

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At RiverWalk, our residents can live safely and independently because they’re surrounded by friends, neighbors and a caring staff. And today, we are proud to say that our community is now vaccinated.

WELCOME TO THE KNOLLS! Enjoy an ideal retirement lifestyle in Westchester! Discover Westchester’s most full-service retirement community that offers: ● Maintenance-free living—no yard or housework ● 30 acres of stunning natural beauty ● Big, bright apartments in a variety of floor plans ● Amenities for socializing, hobbies, wellness and more ● A full spectrum of on-campus healthcare should you need it

Contact The Knolls today. Call 914-721-0855 to set up an appointment! It’s time to enjoy more of what you live in Westchester for!

55 Grasslands Road • Valhalla, NY 10595 914-721-0855 • TheKnolls.org

The Knolls is a Continuing Care Retirement Community or CCRC sponsored by Bethel. WSV

Finding Solutions Together At the Heart of Senior Living  Home Care  Adult Day Services  Independent Senior Living  Assisted Senior Living  Continuing Care Retirement Community  Sub-Acute and Outpatient Therapy  Skilled Nursing & Rehabilitation

914-739-6700 Ossining - Croton-on-Hudson - Valhalla bethelwell.org

The Only Not-for-Profit, Full Continuum of Care in Northern Westchester Serving the Community for Over 100 Years

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spring 2021

SCAM ALERT

You Could Be the Target of

Unemployment Benefits Fraud What should you do if you’ve erroneously received a 1099-G?

According to the New York State Department of Labor, over 425,000 fraudulent unemployment benefit claims have been identified during the Covid-19 pandemic.

1 . I M M E D I AT E LY CONTACT the NY State Department of Labor to report UI Benefits Fraud. You can do so online at: labor. ny.gov/agencyinfo/report-fraud.shtm or call 888-598-2077.

Legitimate claims coming in to the system fuel this type of fraud as states across the nation rush to get benefits out as soon as possible. While fraudsters may use the names of deceased people to file for benefits, they also engage in identity theft to submit bogus claims. This activity began back in March and April of 2020 as the number of individuals applying for unemployment benefits increased dramatically due to the pandemic. During normal times, people file their claims in person at a local unemployment office. Due to Covid-19, applications could be filed online, opening up a huge opportunity for scammers and illegitimate claims. Every year, usually starting in late January to early February, most of us receive a number of tax forms: from our banks and investment companies, and our mortgage holder, among other institu-

tions. They show us what we’ve received in interest, social security benefits, dividends, what we've paid in mortgage interest, and so on. Sometimes, we don’t even open these statements until we’re ready to work on our tax returns. Federal tax form 1099-G, which reports unemployment insurance benefits, pandemic unemployment assistance, and extended benefits, will come to you in the mail as with your other tax forms. If you’ve received this form but never filed for any assistance, it’s likely you’re a victim of identity theft. But you will need to prove that the form is incorrect. Otherwise, the IRS will expect to receive taxes due from these payments to your name. (That extra $600 of unemployment benefits is also taxable.) spring 2021

2. ALERT YOUR BANK and other financial institutions you work with to make sure there haven’t been any other transactions made in your name. 3. FILE A REPORT and complaint with the Federal Office of Inspector General via their online form (recommended) www.oig.dhs.gov/hotline or call 1-800323-8603. 4. GO TO THE FEDERAL TRADE COMMISSION’S website, www. consumer.ftc.gov, and complete the identity theft affidavit. In addition to the above actions, it would be prudent to review your credit reports and place a fraud alert on your accounts with the three credit bureaus (Experian, TransUnion and Equifax). More advice for distinguishing and avoiding fraud can be found on the New York State Attorney General’s website (ag.ny.gov/ consumer-frauds/resource-center).

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TRENDING NOW:

Plant-Based Eating BY ROSEMARY BLACK

A new diet craze or a better path to a healthier and longer life? To answer that question, we spoke with area experts who weighed in on the advantages of plant-based eating. “When it comes to a plantbased diet, there are so many health benefits for older people,” says Chappaqua-based dietitian Michael Wald, MD, DC, PhD. “People usually lose weight when they follow a plant-based diet. And the risk of stroke, cardiovascular disease, type 2 diabetes, hypertension, and some cancers are lower in people who eat a plantbased diet.”

Angela Russo,embracing the produce aisle

According to Janet Levine, RDN, DMD, of Tarrytown, a plant-based diet may help you feel more energetic, improve gastrointestinal issues, relieve acid reflux, and potentially send autoimmune diseases into remission. While plant-based eating is not necessarily a lifelong decree to opt out of meat or dairy, the foods consumed on this diet would be mostly vegetables and fruits, along with nuts, seeds, whole grains,

and beans. Some nutrition experts maintain that meat and all animal products are entirely off-limits. Others steer a more moderate course, insisting you don’t have to follow a plant-based diet exclusively to reap the benefits. Tarrytown-based functional nutritionist and integrative health practitioner Angela Russo, MS, CNS encourages people to follow an 80 percent plant-based diet with limited amounts of clean (grass-fed, organic, wild caught) animal protein. “I think for older people, it can be more ben-

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such as oat milk.

eficial to have small amounts of fish, an egg or meat, so you know you are getting enough protein,” she advises. “I don’t think it should be all plantbased.” Russo recommends consuming root vegetables such as sweet potatoes, whole grains like oats, buckwheat and rye, along with seeds and nut butters. Fresh herbs such as oregano, sage and rosemary, and condiments like lemon, mustard and apple cider vinegar can liven up meals. She also suggests replacing cow's milk with plant-based milk

If you’re new to plant-based eating, start gradually, advises Russo. “It can be hard for people who are not used to it.” She cites a possible lower risk of cognitive decline and inflammation as two very good reasons to pursue this type of diet. Russo recommends a breakfast of oatmeal with coconut milk and berries, topped with a few raw nuts. Or try a nutbased yogurt (made with almonds or

spring 2021

cashews) with strawberries and pumpkin seeds. For lunch, meatless chili with lots of vegetables or a large salad with avocado, chickpeas and pumpkin seeds are two delicious options. Dinner might be eggplant lasagna with salad, or maybe a black bean burger topped with tomato, onion and avocado, along with steamed broccoli. For Levine, a plant-based diet means avoiding all animal products, noting that it’s still possible to get plenty of protein. The advantage of completely eliminating animal products from your diet is that you won’t be eating any trans fats or cholesterol, which can contribute to heart disease. Moreover, says Levine, all those fruits and vegetables are rich in fiber, vitamins, and antioxidants. She reminds us, “The brighter the color of the fruits and vegetables, the more antioxidants they contain.” Excluding highly processed foods and those with added oils is important, too. Her meal suggestions include oatmeal with berries and a tablespoon of flaxseed

and sliced almonds for breakfast, and lasagna made with tofu (in lieu of cheese) for lunch. Whole grain bread with hummus and avocado is another option. She believes in the occasional dessert treat, provided it’s made healthfully. For instance, chocolate truffles made with date sugar, dried dates, and a little flaxseed mixed with water (as a substitute for eggs) is one sweet she recommends. While Wald believes a plant-based diet should not include any animal products, he maintains a plant-based diet with small quantities of animal protein is still beneficial. For those unwilling to give up animal protein entirely, he suggests a 75/25 rule: three quarters of the plate is plant-based, the remaining quarter contains animal protein, preferably fish rich in omega-3 fatty acids (salmon, tuna or mackerel).

up the food chain you go by eating meat, the more the health benefits diminish. Focus on plant-based foods, which are lower down to the ground.” These experts agree that following a plant-based diet can help you feel energized and improve your health. Best of all, it’s not that difficult. “If you try it out and it takes time, don’t be afraid if you’re not there right away,’’ encourages Russo. “The key is knowing you will get there gradually.” ---------------------------

Connect with Janet Levine via her website at EatToBeHealthy.com or email her at jlevine@ eattobehealthy.com. Her office is in Tarrytown. n Angela Russo has offices in Tarrytown and Fishkill. Find her at NutritionKey.com or call her at 914-888-6785. n Dr. Michael Wald’s website is DrMichaelWald. com. The number for his Chappaqua office is 914-873-4416. n

Though he does caution, as non-plantbased foods are added to a diet, the health benefits lessen dramatically. “When you eat lower down on the food chain, it's healthier,” he says. “The higher

n n n

Rosemary Black, a mom of seven and a resident of Pleasantville, NY, writes frequently on health, nutrition, parenting, and food. She is author of six cookbooks, including The Marley Coffee Cookbook.

The Alzheimer’s Association Hudson Valley Chapter presents

Virtual Alzheimer’s Research Forum Join us for free presentations and a Q&A with Alzheimer’s experts.

10 a.m. to 2 p.m. Tuesday, May 11 Miguel Arce Rentería, Ph.D.

Yunglin Gazes, Ph.D.

Assistant professor, Cognitive Neuroscience Division in the Neurology Department at Columbia University Irving Medical Center and recipient of the Margaret M. Cahn Award

Associate research scientist and neuropsychologist at Taub Institute for Research on Alzheimer’s Disease and the Aging Brain and the Department of Neurology at Columbia University Medical Center

Rebecca Edelmayer, Ph.D. Director of scientific engagement, Alzheimer’s Association

To register, call the Alzheimer’s Association at 800.272.3900.

This advertisement is supported in part by a grant from the New York State Department of Health.

spring 2021

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REAL ESTATE

The Year to Go BOLD!

actually two colors in support of each other: Ultimate Gray and Illuminating Yellow. The gray is reflective of the natural and solid colors of pebbles on the beach, while the yellow is meant to bring some muchneeded vivacity and sunshine into our physical and emotional spaces.

resilience and hope. We need to feel encouraged and uplifted; this is essential to the human spirit.”

Leatrice Eiseman, executive director of the Pantone Color Institute, says, “The union of an enduring Ultimate Gray with the vibrant yellow illuminating expresses a message of positivity supported by fortitude. Practical and rock solid but at the same time warming and optimistic, this is a color combination that gives us

Senior Real Estate Specialists (SRES) Rosemary Stern and Steven Geiger bring an extensive and trusted network of resources and professionals to their clients to assist in all phases of the selling and buying processes. They can be reached at 914-263-5275 or Steven.Geiger@raveis.com

Many - if not all of us - have been tucked away in our homes for a year or more. We’ve kept busy during lockdowns and isolation by clearing out our closets, straightening up our files, collecting bags (and more bags) of clothing and other items to donate. It’s been a long and disquieting 12 months. But spring is here. A time of rejuvenation. And as our world moves to reopening, albeit with baby steps, good weather is on the horizon – with all that it brings: hopefulness, new beginnings and fresh perspectives. Let’s celebrate this time and turn to color to revitalize our homes and our lives. The Pantone color of the year for 2021, which influences home furnishings, fashion and even product packaging is

BY STEVEN GEIGER AND ROSEMARY STERN

Take to heart these words and bring brighter days into your home with pops of color. Whether it’s illuminating yellow or purples, oranges or pinks, go bold! Bring in colorful pillows for your sofa or a side chair reflective of this bolder spirit. Paint an accent wall. Use vibrant spray paints on clay pots and fill your interior with plants. Be cheerful in your choices and that optimism will flow into your space. n n n

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Don't miss our articles covering health and wellness, money and legal matters, retirement, home and garden, recipes, entertainment and much more!

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spring 2021

LEGAL MATTERS

Lost or Destroyed Wills While it may be okay to hide your savings under the mattress, doing the same with your Will could have disastrous results. What happens if at the time of your death your Will cannot be found? Your carefully laid out plans for the distribution of your estate could be completely upended and result in your assets being distributed against your wishes. Best practice is to seek the assistance of an attorney when drafting your Will. In addition to ensuring that it is properly drafted and executed so as to carry out your wishes after death, having an attorney involved can also be an important protection against losing the Will. After executing your Will, it is usually recommended that the attorney draftsperson keep the original Will in his/her files for safekeeping. But what happens if you don’t do so and, when it comes time to probate the Will at death, it cannot be found? While the

BY MICHAEL GIANNASCA, ESQ. AND NATHAN SHOOK, ESQ.

burden is high, it is actually still possible to probate a lost or destroyed Will. A proponent of a lost Will bears the burden of overcoming a presumption that it has been purposely destroyed and revoked. To do so, the proponent must prove three things: (1) the Will had not been revoked; (2) the Will had been properly executed as required by law; and (3) the provisions of it are clearly evidenced by at least two witnesses or a copy of the lost Will. The burden to prove these elements is extremely high and courts will often rule against a Will proponent even in the absence of any objections. The presumption can be overcome by proving the Will was lost or destroyed by an act outside of the testator’s control, such as a flood or fire. The best way to overcome the presumption of revocation is to prove the Will was not in the possession of the testator at the time of death. If the original Will is kept by the attor-

ney and a fire destroys the attorney’s office, for example, the presumption is put aside and a copy of the Will can be probated. While it may still be possible to probate a lost or destroyed Will, it is best to avoid putting your loved ones in a situation where they must meet the difficult evidentiary burden. The safest course of action is to have your Will drafted by an attorney and leave it with him/her for safekeeping. n n n

Michael Giannasca and Nathan Shook are attorneys with the law firm of Giannasca & Shook, PLLC. The firm handles all aspects of Elder Law including wills & probate, trusts & estates, Medicaid planning, guardianships, estate administration and litigation, and asset protection. Mr. Giannasca is a member of Elder Counsel, the National Academy of Elder Law Attorneys, the Elder Law and Special Needs Section and Trusts & Estates Law Section of the NY State Bar Association and the Trusts & Estates Section and the Elder Law Committees of the Westchester County Bar Assoc.; Offices are in White Plains and in Poughkeepsie, NY; 914-872-6000; www.mgns-elderlaw.com

Elder Law and Estate Planning Group Planning For Our Clients and Their Families        

Elder Law Wills & Probate Trusts & Estates Medicaid Planning Long Term care Guardianships Powers of Attorneys Health Care Proxies

Giannasca & Shook, PLLC One Barker Avenue | White Plains, New York 10601 | 914-872-6000 | www.mgns-elderlaw.com spring 2021

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WELLNESS COACH

Boost Your Immune System BY JESSICA KISHPAUGH

Studies show that elderberry can reduce the severity and duration of the flu. Look for elderberry syrup that is organic and homemade as it will contain less added sugars or preservatives.

In a world filled with bacteria and viruses, it’s important to understand how best to support our immune systems. Life in the 21st century is rife with ways our health is continually compromised: from chronic physical and/or emotional stress, and intense work and/or family obligations to sustained sleep deprivation and exposure to pathogens.

Raw honey has been shown to have anti-viral properties, but do not heat it.

How we eat can aid recovery and boost immunity. My number one recommendation is to follow basic, clean eating habits. This means loading our diets with lean proteins, colorful vegetables, quality carbohydrates (which includes colorful fruits) and healthy fats (think olive oil, avocado, nuts and seeds). Sugars and processed foods may reduce white blood cell function and lead to inflammation. Keeping to whole foods does not mean going on a diet, which may deprive your body of the nutrients it needs and explains why many people get sick a week or so after starting a crash diet. Gut health is also important, if not essential, to support your immune system. Prebiotics help nourish our good microbial friends, while probiotics have been shown to help people recover faster from illness. The best whole food sources of prebiotics are those with fermentable fiber such as certain veggies (asparagus, garlic, Jerusalem artichokes, leeks and onions); starches (barley, beans, oats, quinoa, rye, potatoes, and yams); fruits (apples, bananas, berries, citrus, kiwi); and fats (flax seeds and chia seeds). Aim for one to two servings of probiotic-rich foods each day, including dairy (yogurt, cheese, kefir); fermented veggies (pickles, sauerkraut, kimchi); fermented soy (miso, tempeh); soy sauce; and kombucha. (Note: you may feel worse before feeling better since bacteria release toxins.) Vitamins and minerals are the unsung

heroes in our bodies. Deficiencies in key nutrients (vitamin D, magnesium, zinc and calcium) can compromise immunity. In addition to the following food sources, a good multi-vitamin or multi-mineral can be a great supplement. Make sure to first get your blood levels tested and always check in with your doctor before beginning and continuing on any supplement regimen. Vitamin D can be found in salmon, fatty fish, egg yolks, cheese, and mushrooms. Vitamin A is in liver, cod liver oil, mackerel, salmon; and beta-carotene (sweet potato, winter squash, kale, collards, carrots). Zinc may reduce the duration or severity of the common cold. If you are already sick, try nine to 15 milligram zinc lozenges every two hours while you are awake. Good food sources of zinc include seafood (especially oysters), pumpkin seeds, sea vegetables, beans, lentils and legumes. Vitamin C, taken in high amounts (two grams a day), may reduce the severity of the common cold, but won’t prevent the transmission of a cold or the flu. Foods rich in vitamin C include oranges, strawberries, kiwi, organic leafy green vegetables (spinach, bok choy, kale), broccoli, and bell peppers. Vitamin C works best when taken with calcium and magnesium.

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DHEA is a hormone known to support healthy immunity, aid tissue repair, improve sleep and counteract the negative effects of cortisol, our body’s stress hormone. Supplements of DHEA can be taken under medical supervision by a licensed healthcare provider. Relora is another supplement that can be used to prevent the health conditions associated with stress, including poor immunity. The following nutrients are scientifically proven to help alleviate symptoms of stress and anxiety, which directly impacts our immune system: Magnesium supplements are often used as a natural treatment for anxiety because it helps regulate neurotransmitters in our brain. The recommended dietary allowance (RDA) of magnesium is about 420 and 320 milligrams per day for adult men and women, respectively. Insufficient vitamin B6, low iron levels and not enough fiber all contribute to greater feelings of anxiety. As we make our way through this year, it’s ever-important to do right by your body and immune system, with the support of your physician or other health professional. n

Jessica Kishpaugh is a Certified Holistic Nutritionist and Corporate Wellness Consultant. She specializes in weight loss, intuitive eating and stress reduction. She is also a speaker and wellness educator; www.loyowellness.com; 914-8150414. Jessica@loyowellness.com

spring 2021

RETIREMENT

Not Your Parents' Retirement BY LAURA I. ROTTER

when you invest for income in today’s environment when the 10-year treasury bond yields just about 1%, and the S&P dividend yield is a bit higher at about 1.55%. Reaching for higher yields, whether on bonds or stocks, inevitably means taking on more risk.

Once upon a time, we worked for the same company for 40 years and retired with a gold watch at 65. We were expected to live another five years, financing this remaining time with a combination of social security and a pension from our employer. Well, times have changed! The average life expectancy is about 78 for men and over 81 for women. We are living longer and are much more active than previous generations. For every client I work with, I assume they will live until the age of 95 unless there is a strong argument otherwise. (One of my clients told me, based upon his parents’ longevity, he expects to live until 105!) This long lifespan assumption begs the question, how do we invest assuming we may have 25 to 30 years ahead of us after we officially retire? This question is especially relevant, given that far fewer of us have pensions or retirement accounts that provide guaranteed income, as our parents did. STAY EMPLOYED Staying employed, even on a part time basis, is certainly one strategy. Remaining in the work force provides additional perks such as mental stimulation, community, and the ability to continue to learn and grow. The emergence of today’s gig economy has created more opportunities than ever before to generate part-time income without formal employment: from driving people to their next appointment or writing someone’s white paper to starting a dog walking service, enabling us to delay the need to draw upon our retirement savings. DELAY SOCIAL SECURITY You do have a guaranteed income stream! Although we often don’t have

guaranteed income from our employers, we do have income from the federal government in the form of Social Security benefits. My clients often don’t realize that, over their lifetime, these benefits will provide close to $1,000,000 of income! When assuming a long lifespan, I recommend my clients put off collecting their benefits until age 70 since they increase by 8% for each year you delay collecting them beyond your full retirement age, up to age 70. For example, if you were born between 1943 and 1954, your full retirement age is 66. If you delay collecting until age 67, you would collect 108% of your monthly benefit. If you delay until age 70, you would collect 132% of your monthly benefit. Not a bad guaranteed return in a world of low interest rates! INVEST FOR TOTAL RETURN “Don’t touch the principal” is a phrase you may have heard. It is based on the idea that you can build a portfolio of dividend paying stocks and interest paying bonds, and live off the income the portfolio generates without ever having to liquidate the actual investments. In this way, the thinking goes, you are taking less risk. But you are actually taking on more risk

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In addition, investing in dividend paying stocks reduces the diversification of your investment portfolio, since you will tend to be concentrated in larger, slower growing companies. In turn, it’s unlikely you will be holding a true representation of opportunities around the world. And you will pay higher taxes on income generated by interest on a [taxable] bond portfolio than you will on income generated by gains from the sale of appreciated stock. I recommend my clients focus on total return, which is a combination of income and capital appreciation. The income needed in retirement comes from maturities of stable securities such as CDs or government bonds as well as growth generated by a low cost, tax efficient, diversified equity portfolio. Retirement may seem more uncertain than it was in our parents’ generation, but this uncertainty comes with more opportunity and more options. n

Laura I. Rotter, CFA, MBA and CFP certified, is founder of True Abundance Advisors, a fiduciary, fee-only financial planning firm. She works with clients remotely or in person to help them clarify their goals and develop an integrated plan to achieve those goals. Call her at 914-222-0832 or email Laura@trueabundanceadvisors.com to schedule a free initial consultation.

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MEDICAID ADVISOR

Getting the Needed Care

BY COLIN SANDLER

lotted by the MLTC plan. The appeal is an internal process within the plan and almost always results in no changes. This first denial for additional hours is called an Initial Adverse Denial. If your initial appeal is denied, you can present more documentation (doctors’ letters and specific care issues) and appeal again. Most often, this still doesn’t get the needed hours, and you’re issued a Final Adverse Denial.

Great News: Your loved one has been approved to receive Community-Based Medicaid for home care. But now what? You must begin the complicated process of applying for home care in New York. The Medicaid system here provides most long-term home care services through a program called Managed Long-Term Care (MLTC). New York State Medicaid pays the MLTC plans what amounts to a flat monthly fee, per recipient, to manage the long-term home care services of Medicaid recipients – essentially taking the state out of the equation. Once the MLTC accepts someone on to their plan, they are required to provide all the needed services (which can include home care, adult day care, incontinent supplies, and medical transportation), with an eye towards keeping costs down. As a result, the Medicaid recipient often receives fewer services than what’s actually required. The MLTC plan can, in part, justify covering fewer services because they look at only task-based needs and apply very specific blocks of time (counted via minutes) to each physical task with which assistance is needed. Based on the total minutes of care needed each day, they offer a block of time to meet those needs. They are not required to offer any time at all for “supervision-based” tasks or for “safety.” If your loved one is unsteady on her feet and at risk of falling, she is not going to get any time allotted for that need. If she is confused and forgetful, she is not necessarily going to get services to keep her at home. Those types of needs are not going to be captured in their assessment, allowing the MLTC plan to offer fewer hours than needed.

This type of assessment is especially difficult for those with dementia. Their needs are often supervision-based so they rarely get the type of services they require from a MLTC plan. Even when physical care needs are clearly presented, reduced hours are typically offered. By example, Colleen Smith was presented by her family as unable to transfer (get up by herself). She needs physical assistance to get anywhere, including to the bathroom. Her family was told by the MLTC plan that even though Colleen needs help getting to the bathroom, they cannot have an aid “sitting around all day” waiting for this. So while this is the actual purpose of the home care services, Colleen is left short of the care she needs.

From there, you can go for a Fair Hearing. The biggest benefit of a Fair Hearing is that it’s heard by a judge in your local county social services office. This would be the first time someone outside the plan is determining if the care plan is appropriate. Often, the hours are granted at this point. All of this can take months and, during that time, you (your loved one) may not be getting the needed coverage.

Another home care option is the greatly underutilized Nursing Home Transition and Diversion (NHTD) program, which currently falls outside of managed care, but can provide the coverage and time for supervision and safety - unlike the MLTC plans. This is a great alternative for people As a result, presenting needs clearly and with dementia, as it offers a lot of superviappropriately is critical when attempting to sion and safety-based needs. get the proper amount of care. Even with the best presented case, people often are Having a specialist guide you through the difficult tasks of either obtaining required denied critical services. care, fighting for more hours, or switching If you are denied the hours needed, you to another program can be essential for can try an assessment from another MLTC the best interests of your loved one. plan. I find this is rarely successful. The n n n next step would be to appeal the hours al- Colin Sandler, LCSW, CCM, is the owner of Colin offers FREE weekly seminars on Community Medicaid and Nursing Home Medicaid via Zoom. Please check MedicaidSolutions.com for information and registration.

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Medicaid Solutions and has been providing advice on aging to seniors and their families for over 20 years. Call 914-924-2566 or email Colin@Medicaidsolutions.com; 2127 Crompond Rd, Cortlandt Manor, NY.

spring 2021

Mrs. Bloom's Delivers

Flowers to Benefit the Alzheimer's Association Mrs. Bloom’s Direct will be bringing flowers to people living in long-term care communities nationwide with their PETALZ floral program. A portion of the proceeds will benefit the Alzheimer’s Association.

to area nursing homes. “Flowers convey affection, appreciation and caring to those who give and receive them. They renew spirits and brighten the recipients’ day and their environment. Our hope is that the PETALZ program will become a sought-after amenity so that together we can raise significant funds for a larger cause – the fight against Alzheimer’s.” While no one in his family has been impacted by the disease, Shapiro has friends whose families have been devastated by it.

Oren Shapiro, president of Mrs. Bloom’s Direct, says the program is aimed at enhancing the lives of residents in senior living communities with beautiful, uplifting flowers, while raising funds to support Alzheimer’s research, care, and education. Shapiro, who founded the Elmsford-based company in 2003, often delivers flowers

The

fresh

flowers

are

sourced from around the globe, including roses from Ecuador, daisies from Canada and peonies from Italy. The PETALZ program is designed specifically for owners and operators of nursing homes, assisted living residences, and memory care communities. As part of the program, residents receive a complimentary vase for their flowers, and communities may be eligible for complimentary flowers for their welcome area, cafeteria, and other common areas. The program can be stopped at any time. Learn more about how it works at www.petalz-flowers.com.

Need help paying for home care?

Geriatric Care Consultants, LLC Aging Life Care Professionals

Know your options • Protect your assets and income

Providing life solutions for seniors and their families

• Medicaid eligibility planning • Maximize benefits and services • Medicaid application filing • Pooled Income Trusts filing

Our home visits prevent isolation – no one needs to age alone. • Care management:

Home visits, medication management, emotional support, healthcare coordination, medical appointments, household oversight

• Staffed by a team of professional nurses and social workers • Comprehensive assessments and in-home consultations • Home care assistance • Placement recommendations • Psychotherapy services • Medicaid applications

We are your professional (and private) essential workers.

Call me to see if you qualify for financial assistance to reduce the cost of long term care

Colin Sandler,

lcsw

Senior Care Counselor & Medicaid Specialist

Founded in 1996 by Karen J. Schwartz, MSW, LCSW, ACSW, C-ASWCM

colin@medicaidsolutions.com

914.924.2566

2001 Palmer Ave, Larchmont, NY 10538

914-833-0288

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APP-TITUDE

Brain Game Apps You’re walking almost every day, lifting weights to build strength and improve your balance, and even setting aside time to relax and meditate. While all of this is essential to fueling and nurturing your brain, is it getting all the stimulation it's craving? How about challenging your brain on a regular basis to help your thinking speed, ability to focus and simply have some fun! With plenty of brain-training apps and games available on both iPhone and Android smartphones, here are some of our top picks:

to maximize results. Elevate was developed by education experts and is a Google Editor’s Choice app in the brain training category. The basic option is free, but most features are available through the paid subscription.

With more than 50 games, the Lumosity collection focuses on improving memory, problem-solving capability, attention span, and thinking speed. This app is subscription-based with a free trial.

(Senior Games)

This free app, suitable for users of almost any age, offers an assortment of puzzles, word searches and games to give your memory a workout. There are five categories, each one associated with a different cognitive area: memory, attention, reasoning, coordination and visuospatial skills. The challenges get more difficult as you progress.

Try the NeuroNation brain game app, with its challenges, multiple difficulty levels, metrics, and personalization. There’s a paid subscription option which gives access to new courses and exercises, as well as customer support.

ELEVATE

Designed to improve attention, processing speed, memory, math skills, and more, this app has personalized programs that adjust over time

ROLL THE BALL® (BitMango)

LUMOSITY

NEURONATION

TRAIN YOUR BRAIN

BY ANASTASIA SLESAREVA

BRAINHQ (From PositScience)

BrainHQ, developed and based on neurological science research, is a training system designed to improve perception, memory, problemsolving, and decision-making. Free exercises are available, but most features require a subscription.

This is a classic tile puzzle with a modern twist. The task is to move the sliding tiles to unblock a path for the ball to roll to the exit. Starting with easy levels, the game progresses to much more challenging ones. It's free, but has a paid option without ads.

CHESS (Chess.com)

It’s never too late to learn how to play this ancient brain boosting game. This app, from the top chess website, allows you to play, solve puzzles and learn techniques for free.

WHEEL OF FORTUNE (Free Play)

This classic Emmy-winning word game show is a ton of fun. The options include challenging friends and family through Facebook and you may even win prizes.

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spring 2021

It’s important to note that while brain-training apps may be moderately effective in improving memory, there isn’t any substantial evidence they can prevent or slow cognitive decline.

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Magenta Unlimited 55 ®

/Line

For 2 lines with AutoPay

During congestion, the small fraction of customers using >50GB/mo. may notice reduced speeds until next bill cycle due to data prioritization. Video typically streams on smartphone/tablet at DVD quality (480p). Unlimited while on our network. International data at 2G speeds.

A plan built exclusively for customers 55 & up Unlimited talk, text & data

Taxes & fees included

Data & texting in 210+ countries & destinations

No annual contract

Find your neighborhood T-Mobile store at T-Mobile.com/store-locator Limited time offer; subject to change. Magenta Unlimited 55 General Terms: Postpaid only. Max 2 voice lines. Participating retail locations (and for existing customers, Care) only. Does not include Netflix On Us; not eligible for discounts. Not combinable with other accounts or rate plans. Credit approval, deposit, $10 SIM card, and, in stores & on customer service calls, $20 assisted or upgrade support charge may be required. Sales tax & regulatory fees included in monthly service price; see in-store materials for specifics. U.S. roaming and on-network data allotments differ: includes 200MB roaming. Unlimited talk & text features for direct communications between 2 people; others (e.g., conference & chat lines, etc.) may cost extra. Unlimited high-speed data US only. In Canada/Mexico, up to 5GB high-speed data then unlimited at up to 128kbps. Video streams at up to 1.5Mbps. Optimization may affect speed of video downloads; does not apply to video uploads. Tethering: 3GB high-speed data then unlimited on our network at max 3G speeds. For the small fraction of customers using >50GB/mo., primary data usage must be on smartphone or tablet. Smartphone usage is prioritized over Mobile Hotspot (tethering) usage, which may result in higher speeds for data used on smartphone. AutoPay Pricing: Without AutoPay, $5 more/line. May not be reflected on 1st bill. Int’l Roaming: Usage may be taxed in some countries. Calls from Simple Global countries, including over Wi-Fi, are $.25/min. (no charge for Wi-Fi calls to US, Mexico and Canada). Standard speeds approx. 128Kbps without PlusUp; with PlusUp approx. 256 Kbps. Not for extended international use; you must reside in the U.S. and primary usage must occur on our network. Device must register on our network before international use. Service may be terminated or restricted for excessive roaming. Coverage not available in some areas; we are not responsible for our partners’ networks. Coverage not available in some areas. We cover 99% of Americans with LTE. Visit T-Mobile.com for coverage details. Network Management: Service may be slowed, suspended, terminated, or restricted for misuse, abnormal use, interference with our network or ability to provide quality service to other users, or significant roaming. See T-Mobile.com/OpenInternet for details. See Terms and Conditions (including arbitration provision) at www.T-Mobile.com for additional information. T-Mobile and the magenta color are registered trademarks of Deutsche Telekom AG. © 2020 T-Mobile USA, Inc.