Westchester Senior Voice SPRING 2023

Selling your long-time home can be overwhelming. The actual process shouldn’t be.

You might be wondering, “How will I move all my things? What does the process look like?” Your move from your home can be more manageable than you might think—with the right resources. We can help you make sense of it all with clear timelines, outlines of each step, and exclusive Compass programs and tools.

VITALITY

Your partner in health and wellness

To see all of our upcoming free events, please visit the events page on the Phelps website at: phelps.northwell.edu/events. For more information, please call (914) 366-1150 or email vitality@northwell.edu

Vitality at Phelps Hospital offers a variety of free programs and services to help you stay active and engaged as you age. We provide educational healthrelated classes, events, support programs, and expert care to enhance your well-being. We invite you to enjoy our activities and social gatherings to keep you connected to your health and wellness, while having fun with your peers.

Some of our programs include:

• Keeping Memory Alive: Memory Care

• Breakfast Club Presentations

• Osteoporosis Education and Support

• Support Groups

• Holistic Pain Support Program

PUBLISHER

Susan E. Ross

publisher@westchesterseniorvoice.com 914.380.2990

CONTRIBUTING WRITERS

Rosemary Black

Lauren C. Enea, ESQ. Caren Greenstein, MD

Peter Lanza

Gerda Maissel, MD

Donna Moriarty

Colin Sandler

Beverly Washburn

CIRCULATION

Rare Sales, Inc. / Bob Engelman 914.661.3605

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. The 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 8.1 SPRING 2023

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

Whether it’s the day advanced technology helps pinpoint a diagnosis or renowned doctors perform life-saving surgery, no day is an exception to being exceptional at White Plains Hospital. This is why we’re among the best hospitals anywhere, that just so happens to be here.

See how we’re exceptional at wphospital.org/everyday

EVERY DAY, WE’RE DELIVERING CARE THAT’S ANYTHING BUT “EVERYDAY”

from the publisher

RAISE YOUR HAND IF you’ve never had a water issue in your home. Hey, I don’t see any hands. But I do see a must-read article about homeowners insurance policies and the coverage every home owner in Westchester should have (page 18). I still remember, like it was yesterday, the morning local firefighters graciously came to the rescue, pumping several feet of water out of my finished basement.

Since then, I’ve downsized homes but fully expect another move is in my future. It can be confusing looking at what the house down the block sold for, thinking your place is so much nicer, so much quieter, and wondering what that means from a home pricing perspective. We shine some light on this as our local expert weighs in on the Westchester real estate market (page 11).

Two years ago, I revisited my estate planning documents and, surprisingly, made quite a few changes. I’ve learned a lot by reading the articles right here in Westchester Senior Voice and realized it was time to make some adjustments. So if your circumstances have changed or it’s been more than five years since signing your last set of documents, you may want to consider some modifications of your own (page 16).

I don’t currently live with a dog but I grew up with one and have the fondest memories of her: a good-natured and totally loveable Black Lab who snuggled with me, played in the snow with me, and, later in her life, came to stay with me in my college apartment while my parents vacationed. If I was to adopt one now, there’s no question I would look for a rescue (page 21).

I’ve seen first-hand the important work DOROT provides to older members of our community. Whether it’s a holiday package delivery, a friendly visit or a simple phone call, there are many out there who need and appreciate an organization of caring people dedicated to improving the lives of others (page 9).

And please meet Beverly Washburn, our new columnist, who will share with us her memories of growing up as a child actor in Hollywood (page 20). Entertaining stuff!

Whether for yourself or for an older loved one, it makes sense to familiarize yourself with the senior living options in Westchester and nearby. Often times, there are wait lists and required screenings for move-in, so you may want to be a bit proactive in your planning (page 27).

And one more mention. Many of you may recall the article in last year’s Spring edition where we profiled a few baby boomer entrepreneurs who had participated in Launch1000. This program from the Westchester County Office of Economic Development, designed to support county residents launching a new business or other home-based income stream, is back for 2023. And it starts soon! Check out the information in the box below or go to start.howtostartsomething.com/launch1000. Good luck… you’ve got this.

With all that this Spring issue has to offer, I hope you join me in enjoying and benefitting from the read!

Susan E. Ross Publisher and Certified Senior Advisor® publisher@westchesterseniorvoice.com

Launch1000 is open to any Westchester County resident who has an idea for launching a new income stream OR wants to pivot an existing business or nonprofit venture.

IT'S NEVER TOO LATE TO START SOMETHING NEW

Meet Ethel, Barbara, Lillian, Elyse, Rhoda and Emily

Each monthly subscription box contains a personalized letter, gift shop-quality dinosaur toy and books including stickers, dinosaur facts and phonetic pronunciation

collectible Dino Cards.

Ethel is a retired guidance counselor in her 90s. She hardly touched her smartphone for two years until her Tech Coach, Barbara, taught her how to use it.

Lillian, 88, a retired social worker who loves a good conversation, meets with her Friendly Visitor, Elyse, every week, to walk the neighborhood and share life stories.

Rhoda, 87, and her Response Team volunteer, Emily, work together to keep her files organized, tidy up her collection of papers and read selected letters out loud, reliving special moments in Rhoda’s life.

What do Barbara, Elyse and Emily all have in common? They are all dedicated volunteers with DOROT, a non-profit that has been connecting older adults with a diverse range of programs and services for more than three decades.

Would you or someone you know enjoy meeting with a DOROT volunteer for Tech Coaching, Friendly Visiting, or to be available for activities or personal projects? DOROT Westchester invites adults ages 60 and older to participate in or volunteer for their unique programs, which match older adults and volunteers of all ages for one-to-one social connection.

DOROT’s programs are free and home-based. To learn more or to get involved, call DOROT Westchester at 914485-8354 or email infowestchester@dorotusa.org

Is about LIVING.

d Living with laughter and love

d Living with dignity and respect

d Living with exceptional end-of-life care and compassion

d Living with massage, reflexology, art, and music therapy

d Living with the best quality of life surrounded by family and loved ones at home

CELEBRATING 31 YEARS!

1025 Westchester Avenue Suite 200 White Plains, NY 10604 • 914-682-1484

www.hospiceofwestchester.com

Courtesy of NY State: Free, Live Online Classes

The New York State Office for The Aging has partnered with GetSetUp to provide hundreds of free, live virtual classes for baby boomers and seniors—primarily taught by peers. The robust selection of class offerings are accessed directly from your browser (no need to log in or connect to the Zoom platform) and attendees can ask questions, make friends, learn new things and have fun.

Some of the more popular classes include: core fitness and yoga; food and nutrition; virtual travel; technology in healthcare; and restarting your career. Even learn how to use your digital wallet and send money from your smartphone. Classes run from about 20 minutes to a full hour.

This is truly the essence of lifelong learning, active aging, and empowerment.

The programming for 2023 is funded entirely by NY State and open to NY residents. Take classes on your computer/laptop, iPad/tablet, and your smartphone by visiting www.getsetup.io/partner/NYSTATE

For help, call 1-888-559-1614 or email info@getsetup.io

How the Inflation Reduction Act Affects Medicare

The Inflation Reduction Act is poised to save money for people on Medicare, starting this year.

For the first time, Medicare will be able to negotiate directly with manufacturers for the price of certain Medicare Part B and Part D drugs that don’t have competition.

Medicare Part D inflation caps now limit drug price increases to the rate of inflation. And starting this year, people with Medicare Part D drug coverage will pay nothing out-of-pocket for even more vaccines, including those for shingles and Tdap.

The cost of insulin products will now also be capped at $35 per month. If you take insulin through a traditional pump that is covered under Medicare’s durable medical equipment benefit, that insulin is covered under Medicare Part B. These benefits go into effect on July 1, 2023.

Also going into effect this year: Part D premiums cannot increase more than six percent

annually through at least 2029.

If you have drug costs high enough to reach the catastrophic coverage phase in your Medicare drug coverage, you won’t have to pay a copayment or coinsurance, starting in 2024.

Beginning in 2025, there will be an annual $2,000 cap on part D spending for beneficiaries. You’ll also have the option to pay out-of-pocket costs in monthly amounts over the plan year, instead of when they happen.

Starting in 2026, negotiated drug prices on expensive drugs with no generic or biosimilar equivalents will go into effect. Ten drugs will be on the list in 2026, increasing to 20 drugs by 2029.

The income threshold for Part D out-of-pocket subsidies is raised from 135% of the federal poverty level to 150%, starting in 2024.

Good news for those on Medicare!

Scammers: Still Thriving in Westchester

The Westchester County Department of Senior Programs and Services wants you to know that scammers and con artists are alive and thriving, and the best thing you can do to protect yourself is to hang up the phone when you think you've been called by one. Don't worry about being rude--protect yourself!

If you suspect you’ve received a fraudulent call, contact the Department of Consumer Protection immediately at 914-9952167. Some of the scams to look out for in Westchester and elsewhere include:

The Medical Alert Scam: Scammers tell you that you've been “approved” for medi-

cal alert equipment at no charge. They identify their business as “Senior Medical Alert” or “Senior Medical Advisors.” The con artists will then ask for your credit card number and use it to bill you every month for “monitoring services” you never receive. They also use scare tactics, warning that if you delay, the result may be death or serious life-threatening injuries.

The Pigeon Drop: The scammer says he/ she has found a large sum of money and is willing to share it if you make a “good faith” payment—ultimately allowing the con artist to access your bank account. Often, a second scammer, posing as a

lawyer, banker, or other “trustworthy” stranger is involved.

Medicare Fraud: With this type of scam, perpetrators pose as Medicare representatives and trick people into providing personal information to them. They can then use this information to perpetrate identity theft and to also bill Medicare for services that were never provided.

The Grandchild Scam: The con artist poses as a grandchild (or relative) and gets the victim to wire or send money on the pretext that the grandchild is in jail or in the hospital and needs the money.

Weighing in on the Value of Your Home

Does this find you wondering whether buying or selling a home based on a per square foot price is still a thing?

According to Dana Bieff, a licensed realtor with Compass Real Estate, it is still a thing… just not the only or most important thing, “unless you are buying in an apartment building or in a neighborhood of like homes or perhaps building a new home.”

Even when two properties are nearly identical, the dollar per square foot may be affected by a home’s (possibly amazing) view or the presence of road noise. Bieff says you also need to consider whether the property is sloping or flat, or if the home has a particular appeal. So, looking at the whole picture, dollar per square foot is only one of several factors she uses to evaluate a property.

To price a home, Bieff starts by touring it. She then compares it to other similarly

styled homes: looking at architecturally comparable homes (i.e., Colonials entering the market vs. Colonials recently sold). The number of bedrooms, bathrooms, lot size, and, yes, dollar per square foot are noted too. She looks for similarities and considers the year the home was built, its amenities and condition— fresh and new, or old and tired. She assesses its unique assets and assigns value for things such as natural light, views, privacy, and if it exudes warmth and comfort

Then, Bieff enthuses, “The magic happens,” with her practical solutions to make the home more appealing to buyers. This often includes decluttering, cleaning, painting, opening window treatments to allow natural light, rearranging furniture, staging and even landscaping. She is also able to offer Compass Concierge, a service to help make improvements financially possible for sellers. That combined with marketing tailored to accurately portray the property to pull in the right buyers and to make a good match consistent with sellers’ goals comes next.

Rather than focusing on dollar per square foot, it is preparing the home and marketing it correctly that will increase the potential to sell for a higher dollar per square foot number.

Learn more about pricing and selling your home by reaching out to Dana Bieff at Compass Real Estate: 914-912-6004 or email dana.bieff@compass.com; danabieff.com

Springtime at Caramoor

and Ambassador for REMA’s Early Music Day 2020.

On April 30, she performs an all-Bach solo program at Caramoor.

Programs at Caramoor this season include chamber music, a Baroque violinist; a guitarist; a ukulele orchestra from Great Britain, jazz, along with performances by several young artists.

A couple of our favorite picks include the Ivalas Quartet and the Baroque violinist Rachel Podger.

Podger was the first woman to be awarded the prestigious Royal Academy of Music/ Kohn Foundation Bach Prize (in October 2015), Gramophone Artist of the Year 2018,

The Ivalas Quartet, dedicated to the celebration of diverse voices, is comprised of violinists Reuben Kebede and Tiani Butts, violist Aimée McAnulty and cellist Pedro Sánchez, and will perform at Caramoor on Sunday, April 16.

Following a performance of George Walker’s Lyric for Strings at Carnegie Hall in January of 2020, they worked in collaboration with Walker’s son to program his String Quartet No. 1, which is included in this April performance. The program is completed by pairings of traditional and contemporary repertoire: quartets from Brahms and Webern.

All concerts will be held in the Rosen House Music Room. For the full event calendar, visit caramoor.org

The Night Sky

Not just for kids. Tour the night sky at the Hudson River Museum Planetarium, as seen from our area on Saturdays and Sundays. Preview the constellations and star clusters, and explore what the sky will look like later in the night.

For more information about this 60-minute live and interactive show, as well as others, visit hrm.org

The Orchid Show at NYBG

Guest designer of the New York Botanical Garden’s 20th anniversary Orchid Show is acclaimed artist Lily Kwong. Influenced by her ancestral connections to the natural world, Kwong is drawn to her Chinese roots and asks visitors “in this country of immigrants” to be inspired to look at their own personal stories.

A mesmerizing array of thousands of orchids, enfolded into rolling mountains in the Enid A. Haupt Conservatory, the show runs through Sunday, April 23.

For tickets and more information, go to nybg.org

Friends of Music Spring Concerts

The all-volunteer non-profit organization Friends of Music Concerts, which has been bringing chamber music to Westchester audiences for 68 years, is back to presenting live performances.

Curtis on Tour will play at White Plains High School on March 18 at 8PM, and will culminate in Stravinsky’s L’Histoire du Soldat, narrated by actor John De Lancie. Instruments will include violin, double bass, clarinet bassoon, trumpet, trombone and percussion.

On April 16, at 3PM, Albert Cano Smit will perform at Ossining High School. This Spanish/Dutch musician’s program will include Mozart’s Sonata No. 14 in C minor, among others. And the following week, on April 22, at 8PM, Academy of St. Martin in the Fields Wind Ensemble will visit Ossining High School. The group, on tour from England, includes oboe, clarinet, bassoon and horn, with a pianist as guest artist.

For information about season subscriptions and tickets for individual concerts, visit friendsofmusicconcerts.org

The Ongoing Importance of Mammograms

BY DR. CAREN GREENSTEIN

As is the case with many diseases, early detection can be crucial— even life-saving—when it comes to breast cancer. According to the American Cancer Society, breast cancer is the most common cancer in American women, except for skin cancers.

Breast cancer can occur at any age, but the risk increases as you get older.

Encouragingly, the ACS reports that the breast cancer death rate has been trending downward since 1989—a decrease of 43 percent through 2020, which it attributes, in part, to increased awareness and earlier detection of the disease through screening exams, especially mammography.

One in eight women in the U.S. will develop breast cancer at some point in their lives. The ACS estimated there would be about 287,850 new cases of invasive breast cancer diagnoses in women, resulting in around 43,250 deaths, in 2022. Those numbers are still far too high.

Mammograms by their nature can do so much when it comes to early detection. While you are probably familiar with at least some of the telltale clinical signs of breast cancer—a lump or swelling in the breast, upper chest or armpit; a change in skin texture, size, shape, or color around the breast; unusual discharges from the nipple are all common signs— those are actually later signs. A mammogram can indicate cancer up to two to five years before a palpable lump can be detected with a self-examination.

Another fact to keep in mind is that around 70 percent of breast cancer-re-

lated deaths are in women who are not undergoing screening mammography.

WHO SHOULD GET A MAMMOGRAM?

The answer, in short, is every woman. There is no such thing as any woman being low risk for breast cancer; while there are some differences based on factors like a strong family history of the disease and ethnicity, the risk is present for everybody.

Guidelines for when to start regular screening have led to different recommendations from different medical organizations. The American College of Radiology suggests that healthy women without high-risk factors start getting annual mammograms at age 40, but in women with higher risk— such as a strong family history of breast cancer—the appropriate age to start may be even lower (age 30).

For baby boomers and seniors, recommendations on screenings can also differ depending on risk factors, whether you have had breast cancer, or if you have been treated before. When in doubt, for

any age, consult with your physician about your path forward.

Another effective screening method is breast ultrasound, which is utilized in women with dense breast tissue. In addition, ultrasound is a relatively easy procedure to undergo, and does not involve radiation or compression.

DON’T BE A STATISTIC!

Has it been a while since you’ve had a mammogram? Many women missed their annual screening during the pandemic; some experts predict that, as a result, breast cancer-related deaths will increase by as much as 10 percent. Missing or skipping an annual exam—especially as a woman ages— leaves tumors time to grow and to spread.

And don’t forget men! The ACS reports that more than 2,700 men are diagnosed with breast cancer each year, and around 520 men die from it.

The most important step you can take is to be proactive about your health and speak with your physician about getting screened for the disease.

There really is no excuse to not maintain (or return to) an annual mammogram schedule. Continuing to drive the numbers down is a critical goal.

Dr. Caren Greenstein is the Director of Breast Imaging at White Plains Hospital, overseeing the breast imaging program at the main Hospital and at three additional outpatient imaging centers in White Plains, New Rochelle and Armonk. To book an imaging appointment call 914-681-1260.

Hologic Breast Imaging System

BY LAUREN C. ENEA, ESQ

It is a common misconception that only the “uber rich” need an estate plan, when in actuality, everyone should have a plan. In fact, whether you plan or not, you do have a “plan:” the difference is whether it’s the plan you want or one that New York Law decides for you. Here are five common estate planning mistakes and pitfalls to avoid!

1. FAILING TO PLAN OR REVISIT YOUR PLAN

Failing to have any plan at all is probably the most common mistake. Technically, everyone over the age of 18 should have a plan in place. It can start as a simple Will indicating who is to receive your assets and who will be entrusted with handling your estate in the event of death, and should include documents called advance directives: for medical (health care proxy) and financial (power of attorney) decisions if you were to become incapacitated and unable to make your own personal and financial decisions during your life. It is equally important to revisit your plan regularly to confirm beneficiaries are still alive and those you wish to inherit your assets, and those you have chosen to handle financial and personal affairs are still as you wish.

2. THINKING A TRUST IS “OVERCOMPLICATED” OR NOT FUNDING IT

Revocable and/or Irrevocable Trusts are excellent vehicles to avoid “probate” (the Surrogate’s Court process validating one’s Last Will and Testament and the Executor gaining access to funds held in one’s name alone after death) and to specify how funds are to be used and/or when they are to be distributed to beneficiaries. The use of a Revocable Trust as the center piece of your estate plan and the proper funding of it can eliminate the need for probate of your Will.

Estate Planning

3. RELYING TOO HEAVILY ON BENEFICIARY DESIGNATIONS

While having beneficiary designations on all assets is a common “quick fix” to avoid probate and allows funds to pass to a beneficiary upon death, it sometimes can cause more harm than good. Important New York and federal estate tax planning techniques can be lost if funds are passed directly to a beneficiary spouse. Additionally, if a beneficiary is a minor and receives the assets, a Guardian of Property must be appointed by the Court before the funds are released from the financial institution to said Guardian. These funds would then be held in Joint Control with the Court until the minor beneficiary reaches age of majority. A trust for a minor child could avoid this outcome. Having named beneficiaries and alternate beneficiaries is also important in the event your named beneficiary does not survive you.

Another issue arises if you appoint a beneficiary(ies) for a bank, brokerage or retirement account and that beneficiary is not surviving upon your demise. If there is no surviving named beneficiary, then said account will become part of your probate estate; and if you have received Medicaid benefits (home care and/or nursing home care), it will be subject to any claims made by Medicaid and/or your creditors.

Lastly, funds left directly to named beneficiaries are not necessarily available to pay expenses that might need to be paid after your passing. For example, if one sibling is the beneficiary on your brokerage account, those funds would go to that sibling at your death. But if another sibling paid the funeral and/or other expenses that arose, technically the beneficiary sibling has no obligation to use the funds he/she received to reimburse your other sibling.

4. USING ONLINE FORMS

While convenient and cost effective, online forms can lead to mistakes and/or omissions that cannot be corrected once an individual becomes incapacitated or deceased. These forms may be outdated or may not comply with New York laws and/or estate and long-term care planning concerns.

5. KEEPING YOUR ESTATE PLAN AND WISHES A SECRET

Having open communication with those you trust and advising them what assets you have and the plans you have put in place, and who they should contact in the event of incapacity/death (doctors, financial advisors, accountants, attorneys) is instrumental to ensuring your goals are met and wishes followed. Equally important is discussing your end-of-life wishes, including burial arrangements, location, etc.

Given the complexity of all these issues, working with an Elder Law and Estate Planning attorney can ensure you create a plan that is customized to your needs and reflects your wishes and goals. n n n

Lauren C. Enea, Esq. is a Senior Associate at Enea, Scanlan & Sirignano, LLP. She concentrates her practice on Wills, Trusts and Estates, Medicaid Planning, Special Needs Planning and Probate/Estate Administration. She believes that it is never too early or too late to start planning for your future and she enjoys working with individuals to ensure that their plan best suits their needs. Ms. Enea received a B.S. in Business Management from Quinnipiac University graduating Magna Cum Laude and a J.D. from the Pace University School of Law graduating Summa Cum Laude. She is admitted to practice law in New York and Florida. She can be contacted at (914) 948-1500 or www.esslawfirm.com

What You Need to Know About Your Homeowners Insurance

We sat down with Peter Lanza, Vice President of Personal Lines Insurance at Rye Brook’s BNC Agency to learn what we don’t know—but should—about homeowners insurance policies.

Q: What are the most important things to look for in a policy?

PL: When insuring your home, it’s essential to understand the difference between replacement cost and dwelling coverage. You want to be sure to carry enough dwelling coverage to rebuild your home to pre-claim status. Given last year’s decades-high inflation rate, insurance carriers are adjusting upward the per square foot costs they use to account for increases in materials and labor. But we still see many people underinsuring.

Q: How can I be sure my insurance will cover the full cost of a rebuild?

PL: You will want a policy that includes GRC, guaranteed replacement cost. This endorsement will ensure the carrier will rebuild the house even if the dwelling limit is exhausted.

Q: How do I know if I need additional personal liability coverage?

PL: I refer my clients to their financial advisor but anyone who owns a home should have at least a $1 million personal umbrella liability policy over their auto/ property policies. The total umbrella limit would depend on the individual client's net

worth and risk, with a higher limit suggested for high-net-worth individuals. Factors such as a swimming pool, a trampoline, the presence of a dog(s) in the home and having a teenage driver(s) should all influence the amount of coverage.

Q: How do I evaluate the personal property coverage in my policy?

PL: Typical homeowners policies include coverage for personal property—usually a percentage of the dwelling limit, which varies from carrier to carrier. This coverage is for general personal property such as furniture, clothing, electronics, etc.

It’s very important to have replacement cost coverage on the contents of your home, as compared to actual cash value since replacement cost coverage will avoid depreciation on these items.

Additionally, your jewelry, fine art, collectibles, and other such items need to be scheduled or blanketed separately on your policy.

Q: Do I need water backup coverage?

PL: If your home has a sump pump and/or a finished basement, I recommend increased limits for water backup in the event of a sump pump failure.

Q: Do I need flood insurance?

PL: Every property has the potential to flood, as we have seen here in Westchester. And flood insurance is not a part of your regular homeowners policy. It needs to be purchased separately.

NFIP, the National Flood Insurance Program, is administered through FEMA. Underwriting and claims are handled by the National Flood Service. The maximum coverage available is $250,000 for the building. You can purchase an additional $100,000 for contents but there is no coverage for items in your basement; coverage is for the mechanicals and the cost of sheetrock—you will not be covered for the cost of installing or painting the sheetrock.

Private flood coverage can be quoted by private flood carriers and coverage limits vary based on risk, location/elevation, and flood zone.

Excess flood coverage can be purchased

on top of a NFIP policy when need is more than the $250K/100K limit.

Q: Does my homeowners insurance cover hurricanes?

PL: Typical homeowners policies include coverage for hurricane damage. Some carriers, depending on property location, will include a separate hurricane deductible, which is often much higher than your regular deductible.

Q: How do I know if my insurance carrier is a good one?

PL: Carriers are rated on AM Best (https://ratings.ambest.com). I recommend using a carrier rated A- or better when possible. I also recommend using a trusted agent to handle your coverage. Direct writers and online carriers do not have options and (in most cases) will offer the same product to all clients. Independent agents represent multiple carriers and can customize a program for your specific needs.

Q: What is the customary cost of insurance for a home like mine?

PL: There is no standard cost—you

need to factor in the coverage limit, your location, the year your home was built, the deductible, and your prior loss experience.

Prior losses follow you from one company to another, and from property to property, as this information is shared by insurance carriers.

Q: How can I safeguard my home to minimize catastrophic loss?

PL: There are a number of preventative steps you can take to protect your home, starting with a central alarm system to alert a fire or burglary.

Low temperature monitoring will protect against heating system failure and possible burst pipes. A water shut-off device, In the event of a burst pipe, will shut off the water main and notify the alarm company.

In the event of a power outage, a back-up generator will keep your heat, sump pumps and other important systems running.

Q: How can I avoid an increase

or non-renewal of my policy?

PL: I recommend using home insurance for catastrophic losses and offsetting the premium with higher deductibles. Carriers also look at frequency of claims. We’re seeing increases in premiums across the board because of inflation—which is significantly increasing the replacement cost of homes, as well as higher re-insurance costs to the insurance companies.

Q: How to do I maximize savings on my insurance?

PL: The best way to keep your insurance costs down is to combine your home, auto, umbrella and variable articles with the same carrier. And make sure all credits are applied (for an alarm system, etc.). n n n

You can connect with Peter F. Lanza, Vice President, Personal Lines Insurance BNC Agency (www.bncagency. com), located at 90 South Ridge Street in Rye Brook, NY 10573, by calling him at 914-295-5124 or 914-937-1230, or by emailing him at planza@bncagency.com

THE RIGHT COMPANION MAKES

GOOD

Finding the companion you can relate to means the difference between getting by and enjoying aging at home. Only Seniors Helping Seniors matches your needs, interests, and schedule with senior-aged skilled, care providers—all over 55 years old—who understand firsthand the changes that come with aging. Whether you need a little assistance or fulltime help, our compassionate companions can provide a full range of at-home services: light housekeeping, meals, transportation, medication reminders, social outings and more.

The righT comPaNioN makes good days brighTer aNd Tough days easier! Finding the companion you can relate to means the difference between getting by and enjoying aging at home. Only Seniors Helping Seniors matches your needs, interests, and schedule with senior-aged skilled, care providers – all over 55 years old – who understand firsthand the changes that come with aging. Whether you need a little assistance or full-time help, our compassionate companions can provide a full range of at-home services: light housekeeping, meals, transportation, medication reminders, social outings and more.

The righT comPaNioN makes good days brighTer aNd Tough days easier!

keeP your coNNecTioN To

n

The life you love.

c all debra l aNg: 914-263-7716

www.seniorshelpingseniors.com/NWestchesterPutnam

Finding the companion you can relate to means the difference between getting by and enjoying aging at home. Only Seniors Helping Seniors matches your needs, interests, and schedule with senior-aged skilled, care providers – all over 55 years old – who understand firsthand the changes that come with aging. Whether you need a little assistance or full-time help, our compassionate companions can provide a full range of at-home services: light housekeeping, meals, transportation, medication reminders, social outings and more.

The Best Doggone Dog in the World

BY BEVERLY WASHBURN

As a new contributor to Westchester Senior Voice, I'd like to thank you in advance for reading my column. I look forward to sharing my memories of growing up as a child actress in Hollywood.

For this inaugural columm, I decided to write about the movie that most people seem to remember me for. And, coincidentally, this is the magazine's "pet issue" so the timing seemed perfect.

The year was 1956 and I was asked to audition for the part of Lisbeth in the Walt Disney film "Old Yeller."

I was thrilled, as animals are my passion, but I honestly didn't think I would get the role because Disney was also filming the famous Mickey Mouse Club at the same time. And, of course, any of the Mouseketeers would have been wonderful in the role.

After meeting and reading for the part in front of Walt Disney and the director Robert Stevenson, much to my surprise, I got the call saying I had been cast. It was a dream come true for me.

We filmed for three months and it is definitely one of my fondest memories. Some of you animal lovers might be interested to know that Old Yeller, whose real name was Spike, was a rescue dog!

They found him in a shelter and trained him. Unlike the shows “Lassie” and “Rin Tin Tin," where numerous Collies and German Shepherds were used to play the same role, there was only one Old Yeller. He did every scene.

He was an amazing dog who did an amazing job. If I remember right, his dressing room was even bigger than mine!

While the movie was supposed to have taken place in Texas, we never went on location other than to Iverson Ranch which is about 50 miles outside of Los Angeles. The majority of the filming was done on the stage at the Walt Disney Studios in Burbank.

Although it sounds very cliché, we truly did become like a family, as there were only seven people in the entire film and we were together every day for three months.

I'm saddened to say that Dorothy McGuire, Fess Parker, Chuck Connors, Jeff York and Tommy Kirk have all passed away. The only people left from the movie are Kevin Corcoran and me.

After all these years, the two of us are still in touch, for which I'm truly grateful. I'm also so proud to have been a part of what is considered a "classic film.”

For 50 plus years, there have been references to Old Yeller on "The Cosby Show," "Friends," "King of the Hill," and "Fresh Prince of Bel Air," as well as mentions in music, video games and comic strips.

Another highlight of the film for me was that I was able to go to school every day in the big red trailer with all of the Mouseketeers. I'm still friends with many of them today.

Old Yeller was released in 1957 and the wonderful memories linger on.

Beverly Washburn graced the silver screen as a child actress and is the author of Real Tears. You can contact her at: bjradell@hotmail.com

What They Mean to Us Our Four-Legged Best Friends

B Y ROSEMARY BLACK

Looking for a steadfast companion who provides unconditional love and loyalty, isn’t judgmental, and knows how to snuggle? Perhaps you could use a friend to exercise with and accompany you on long walks. Who can you turn to for this perfect friendship? Many people would tell you to adopt a pet.

Those of us who may be feeling isolated or alone can experience wonderful companionship from a pet, says Lisa BonannoSpence, director of development at the SPCA in Briarcliff Manor. “A pet gives you a reason to be a little more active,” she says, and can help get you out and about, and socializing.

Westchester County is a great place to live when it comes to owning a pet. “There are so many resources in Westchester for pet owners,” Bonanno-Spence notes. “There are canine boarding facilities, pet sitters, and even vets will occasionally board your pet when you travel.”

Pets offer abounding love and they don’t hold grudges! “They say you live longer when you have a pet,” offers Paula Krenkel of PetRescue in Harrison, where cats and dogs are available for adoption.

(cont'd next page)

MARIA MENDE, CO-FOUNDER OF LUCKY DOG REFUGE, SHOWN HERE WITH HER HUSBAND AND PUPPY EMMA.

Kirstin Mende and her mother Maria Mende are the cofounders of Lucky Dog Refuge in Stamford, Connecticut. She believes there aren't any negatives when it comes to adopting a rescue. “For a senior, an animal can be the center of your world and the reason you get up every day,” she says. “Some rescue organizations will not adopt out to anyone over 60 or 65. We know that age is just a number and we know how comforting a rescue can be.”

Before you decide to commit, here are some things to consider:

Think about adopting a “senior” animal. Most of the time, these more seasoned pets have lived in a home and already have some training, encourages BonannoSpence. “Older pets are calm and mellow once they get into their golden years,” she says. “Senior dogs make good companions, which is so nice for anyone of any age.”

Keep your lifestyle in mind. How often do you travel and who would care for a pet while you are away? Who would care for her if you were to get sick?

Take all the costs of pet ownership into account, advises Krenkel. “It is a big financial investment,” she says. “Expect $1,000 a year for basic care. And you really need to think carefully, since there is added expense if the cat (or dog) gets sick.”

If you live in a rental apartment or a condominium, learn about any and all regulations from your landlord or your condo association, cautions Krenkel. There may be restrictions on the size or breed of the dog.

Estate Planning for Your Pet

New York was one of the first states to enact a Pet Trust Statute for people concerned about what would happen to their pets after their demise. The statute allows for the creation of a trust for the care and maintenance of a pet. It also allows you to appoint a person to care for your pets and to set aside a specified amount and/or percentage of your money to be used for the pet’s care. The trust can continue for the entire lifespan of the pet or animal. Unfortunately, if you do not provide for your pets, they could wind up in a shelter or with people who may not wish to care for them!

- Lauren C. Enea, Esq.

Westchester Residents Love Their Rescue Pets

hardly have time to sit around,” she says. “I have fostered over 230 dogs.” At home with her now is Benji, a Bichon Frise. He came four years ago as a foster and she subsequently adopted him. “Benji is very friendly and alert,” she enthuses. “I have a big backyard and he keeps me active.”

Larchmont resident Paula Krenkel has been involved in rescue for 18 years and always has some rescue animals in her home. “I am now down to two dogs and a cat,” she admits. I love having a pet. A pet makes you think of something other than yourself. For my husband and me, it’s about giving a great life to dogs and cats that otherwise may have been euthanized or still on the street.” Kaleah is her Chihuahua mix from Texas; her Beagle Terrier mix hails from West Virginia; and her cat Piper is a local, from Tuckahoe.

Judy Sirakos, 72, of New Rochelle, says having dogs is a longtime passion for her. “I

Baby boomer and Purchase resident Maria Stark is a volunteer and kennel manager at PetRescue. “I would never not have a dog because they give you unconditional love and companionship.” They are always happy to see you and they help calm you down, she says. Right now, her rescue is a Pit Bull named Marvel.

Ossining resident Shari Applebaum, 64, and her husband have an eight-year-old mixed breed named Mowgli, who was a rescue from Albuquerque. Commenting on their experience, she shares, “There is always warmth and I love knowing that I have a friend who is around to walk with me all the time. I take incredibly long walks and it is fun to have a dog with you that never says no.”

- Rosemary Black

Car Safety

Car safety is vitally important when you are on the road with your pets.

“If you are traveling anywhere in a car, you want your pet secured,” says PetRescue’s Paula Krenkel. “It’s for your safety as well as your pet’s safety.” Your pet should be secured in a carrier, a dog car seat, or a harness. “If they are not secured and there is an accident, it could be deadly,” adds Krenkel.

And beware of the summer heat. “We tell all our adopters to never leave your pet in a hot car or van, as the heat goes up in a car rapidly and can be dangerous,” cautions Krenkel.

Sparing No Expense for Our Furry Family Members

BY DONNA MORIARTY

When it comes to caring for our pets, it’s safe to say that many Westchester pet owners spare no expense. Depending on where you live, your lifestyle, and the age, breed and number of pets you own, costs will vary. Factor in food, supplies, medical care, and other recurring costs and you’re looking at an annual expenditure that can climb to several thousand dollars. And that doesn’t include pet pampering: the toys, treats, classes and even doggie day care.

New pet owners should budget at least $1,000 for veterinary care during the first year of a pet’s life, says Dr. Phillip Raclyn, founder and director of Westchester Veterinary Associates in Yorktown, Peekskill and Cortlandt. “But it’s significantly less if they sign up with our wellness plan,” he adds, referring to annual fixed-price plans that help defray routine costs. Pet health insurance (see page 24) is another approach to cost management that can help cover major or unexpected veterinary expenses.

NEW-PET COSTS

Once you decide to adopt a dog or cat, a lot will depend on where you go to obtain your furry friend. Local shelters offer costeffective options. Breed-specific rescue organizations charge premium prices to acquire and supply purebred animals that aren’t found in shelters. Expect to pay an adoption fee, which may include spay/ neuter surgery, a leash and collar or a litter box, and a few cans of food. Community adoption fairs often waive fees if you take an animal home that day.

ONGOING EXPENSES

Food

Pet food options range from discount canned or dry food to organic products purchased in a specialty store. How much you spend on feeding your dog or cat depends on your priorities and budget. The more you pay for food, the better the quality, say some experts. Look for the words “complete and balanced” on the label. To those who cater to their pets’ finicky tastes or allergies by making their own food, Dr. Patricia Doherty, a veterinarian at Sleepy Hollow Animal Hospital in Tarrytown, offers a word of caution. “Many dogs on homemade diets are overweight or suffer from nutritional deficiencies,” she says. She recommends finding a veterinary teaching hospital that offers online nutrition consults so you can get the right recipe for your pet.

Medical Care

Pet owners on a limited budget should consult the American Kennel Club to find clinics, charities or grant programs that assist with veterinary expenses. Bear in mind, these programs are competitive and

may require travel to obtain services. Large corporate practices sometimes charge slightly lower fees due to greater volume, but you won’t always see the same vet.

A mobile vet service can be a boon for pets and people with mobility issues, busy lifestyles, multi-pet households and pets whose condition or temperament impedes travel. Dr. Sonja M. Ghersini of Westchester Mobile Veterinary Service, PLLC, says, “House visits allow me to observe pets and owners where they are most comfortable, and I can provide much-needed education.” Ghersini says her fees are comparable to most brickand-mortar veterinary offices in Westchester, though clients are willing to pay a little more for the convenience.

LUXURIES

Some pet owners pay their dogs and cats little attention beyond basic food and shelter. Others shower pets with regular grooming, toys, special foods and even luxury services or experiences. Such optional expenses can be recurring or you might decide on the occasional splurge. See the chart on the next page for a sampling of these services and average costs.

Donna Moriarty writes about education, wellness, and personal development. Her work has appeared in national magazines, newspapers, and blogs. She is currently at work on a memoir. She and her husband live in Ossining, where their dachshund terrorizes the neighborhood dogs.

Health Insurance for Your Pet The Real Costs

The average first-year costs for a newly adopted cat or dog are shown below, along with typical ongoing expenses as your pet ages. For those pets who are truly cherished family members, spending becomes a personal choice with a wide range of items you can spend your money on—from puppy day care to grooming to spa services and more. We’ve grouped together the ownership costs for both dogs and cats, with smaller animals on the low end of the spread.

- Donna Moriarty

NEW-PET EXPENSES

Adoption Fee (Westchester); does not reflect the cost of acquiring a specific breed dog

Spay or Neuter*

Initial Vaccinations and Veterinary Costs*

License/Collar Tags*

Microchipping*

Pet Supplies (e.g., crate, litter box, scratching post, toys, treats, bed, leash, carrier, training pads, etc.)

*May be covered by adoption fee

RECURRING EXPENSES

Food (cost will be higher for large breed dogs and specialty food)

Recurring Veterinary Visits (vaccinations, wellness, illness, emergencies)

Preventive Medications (for ticks, fleas, heartworm, etc.)

Pet Supplies (cat litter, toys, bedding, cleanup bags)

Kennels or Pet Sitters

OTHER/OPTIONAL EXPENSES

Pet Insurance

Grooming and Spa Care

Behavior Training (house manners, aggression, etc.)

Puppy Day Care, Socialization Classes, etc.

End-of-Life Costs

$200+ per year

$150-$750 per year

$100-$300 per year

$120+ per year

$20-$45 per night / per visit

$30-$75 per month

$95-$150 per visit

Group Classes: $50 per session Private Training: $125 per hour

$45 for a full day; $200 per week

$200-$300

Data compiled from CNET, Canine Journal, Consumer Reports, American Kennel Club, US News & World Report, Rover.com

Yep, we humans aren't the only ones who can benefit from a good health insurance policy. That's because, as a pet owner, you can expect to incur at least one bill for emergency veterinary care at some point during your pet’s lifetime; that cost can run into the thousands of dollars. Health emergencies or hereditary conditions that surface later in a pet’s life sometimes force their families to make agonizing decisions: preserve the pet’s life and health at great expense or euthanize because treatment is not affordable.

Yorktown veterinarian Dr. Phillip Raclyn comments that “not enough” patients in his practice have pet health insurance, but the ones who do are glad they have it. To illustrate, he says, “A chronic condition like pancreatitis can cost thousands of dollars out of pocket, with no guaranteed outcome. That’s a hard gamble without insurance.”

Pet health insurers range from established companies (Nationwide, Trupanion) to newer players (Lemonade, Fetch), which may be more affordable or flexible. You’ll pay a monthly or quarterly premium, based on factors like breed, condition and age of your pet, where you live, and the amount of your deductible. After a brief waiting period, covered costs incurred for the care your pet receives will be reimbursed to some amount, depending on the particular insurance plan.

Most plans offer three levels of coverage: major medical, for accident, injury, or hospitalization; wellness, which may include shots, annual checkups and dental care; and comprehensive plans. Though they come with the highest premiums, some comprehensive plans may cover certain pre-existing conditions like diabetes or hip dysplasia.

Unlike pet health insurance plans of the past, most of today’s insurers cover annual exams, flea, tick and heartworm prevention, vaccinations, and blood tests. Websites like Rover, Money and CNET offer comparisons and reviews, along with links to the insurer’s website for an instant price quote for your specific pet.

- Donna Moriarty

Residents with Movement Disorders & Their Families

The Kensington White Plains is proud to introduce “Thrive with Parkinson’s,” our program for new and current residents with movement disorders and their families. We are committed to improving the quality of life for our residents as well as those who care for them. So we are pleased to partner with leaders in the eld of movement disorders to offer weekly on-site and virtual classes, support groups and educational events.

Program features include:

Wellness classes • Body movement programs, such as yoga, tai chi, dance Expressive arts therapy • Music therapy with a board-certied music therapist

Resident and family caregiver support groups • Specially trained team members

Neurologic Certied Specialists on-site • Ongoing educational events for families

Specialized physical, occupational and speech therapies

Top 10 Check Lists for a Better Hospital and Health Care Experience

Have you ever wondered if you had all the information you needed to decide whether to move forward with a certain medical procedure? Dr. Gerda Maissel, a physician and the founder of My MD Advisor, has shared with us her tips and check lists for a better hospital and health care experience.

PROCEDURES

Regarding medical procedures, here are some questions you might want to ask:

1. What is involved in the procedure, including: how long will it take; what exactly will be done; and where will it be performed?

2. What is the recovery time?

3. What are the common complications and how often do they occur?

4. If something goes poorly, what could happen?

5. How many of these procedures does the doctor typically perform in a year, keeping in mind that as a general rule of thumb, 25 is the minimum to maintain competency.

6. How many of these procedures has the physician done this year?

7. What are his/her complication rates and how do they compare to other doctors who do this same procedure?

8. What are the other options to treat your condition?

9. Why does the physician think that this is the best option for you?

10. What would happen if you don’t do anything to treat the condition?

HOSPITAL ADMISSIONS

Some hospital admissions happen through the Emergency Department, while other times people are admitted directly to the hospital. In either case, consider the following suggestions before leaving your home:

1. Bring a notebook and pen to write down questions and keep track of who said what.

2. Bring your toothbrush, toothpaste, non-slip slippers, and hairbrush, presuming you have time to collect these.

3. Bring your insurance card.

4. Bring your phone and phone charger.

5. Turn on your phone’s device tracking.

6. Bring along a small object that gives you comfort such as a picture or a soft item.

7. Know which hospital entrance you should be going to.

8. Leave jewelry and money at home. This includes the ring that you never take off. (If your hand swells, the hospital may have to cut it off you.)

9. Remove nail polish if you have time.

10. Bring pajamas if you are willing to get them dirty or lost.

HOW TO PREVENT AND RESOLVE PROBLEMS WHEN IN THE HOSPITAL

No one wants problems when they or their loved one is in the hospital. Unfortunately, staff and provider burnout, along with personnel shortages, raise the probability that problems may occur. So what should you do?

1. Have patience and reasonable expectations. Nurses have to prioritize someone with an active medical problem over bringing you something you want. Unfortunately, this can result in annoying wait times.

2. Thank staff who go out of their way for you. This means a lot to them.

3. Ask the right question to the right person at the right time. If you aren’t sure, ask for the best way to get the information you need. Once you have it, write it down and share it with others in your family.

4. Inquire about the hospital routines such as when the doctors do their rounds or nurses change shift so you know what to expect.

5. Figure out the hierarchy. Doctors, nurses, discharge planners, and therapists all report to different leaders. There will be several layers between the staff level and the top.

6. If you have a problem, bring your issue to the next person up the chain in the area in which you are having trouble.

7. If you aren’t sure, start with the floor nursing manager. You can also try Patient Relations / The Ombudsman to see if they can resolve the issue.

8. If necessary, go all the way up the ladder. There will be a President / CEO of the hospital (ask for Administration).

9. Contact your insurance company and appeal any denied claims if necessary.

10. If you or a family member is unable to advocate for you, consider hiring a Private Patient Advocate to help you.

Gerda Maissel, MD, BCPA is a physician and founder of My MD Advisor, a private patient advocacy service. Dr. Maissel helps to navigate people with complicated medical issues through the healthcare maze. You can reach out to her via email at gm@mymdadvisor.com or call 845-316-0175. Also, go to www.mymdadvisor.com.

Senior LivingCommunities

PHOTO: COURTESY OF THE OSBORN IN RYE, NY

The Greens at Greenwich

About Us

The Greens at Greenwich is a small privatelyowned assisted living community for people living with memory impairment. We are a Purple Flag Community recognized by the Connecticut Assisted Living Association and the Alzheimer's Association as a trusted leader in providing excellence in memory care. We distinguish ourselves by providing the creative arts therapies, known to be the new best medicine in dementia care, with our licensed creative arts psychotherapists. In a world where everything is bigger, we are big in care and small in size. 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

The Greens provides an intimate relationship with each resident, their family, and members of the staff. Executive Director Maria Scaros is a clinician and administrator and is personally involved in each resident's care. Family Zoom meetings, monthly continuing staff education, licensed creative arts psychotherapists, a warm inviting atmosphere and a staff with extraordinary longevity are key features of what makes us different. Home is not only a place: it is a feeling. Discover it at The Greens at Greenwich.

Excellence in Dementia Care

The Greens at Greenwich has been awarded the 2022 CALA Best Practices for Resident Care for exceptional leadership caring for persons with memory impairment. Our passion 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. Community partnerships are ongoing and a part of our philosophy of care. They include intergenerational community groups, museums, libraries, schools, universities, arts and cultural associations.

Schedule a Tour and discover how Home is a Feeling at The Greens at Greenwich.

The

The Osborn opened in 1908 as a non-profit organization fulfilling the mission and vision of its founder, Miriam A. Osborn, to create one of the first senior living communities in New York State. Today it remains one of the most well-respected senior living communities in the area. While new communities are opening at a record pace in our area, prospective residents are still looking for an organization that has demonstrated longevity, unparalleled financial security, and a proven track record of excellence. All of these are found at The Osborn in a safe, secure, and beautiful environment. Sterling Park, The Osborn’s independent living community, offers a 100% refundable entry fee for apartments and spacious, single-story garden homes. There is also an 80% refundable option for some units. In addition, The Osborn offers attractive monthly rental options. The Osborn community provides various levels of care on its Rye campus, giving residents a fulfilling, engaged lifestyle now and peace of mind for the future.

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 to family, friends, and each other. Residents enjoy gourmet meals in a choice of dining venues, physical activity, such as walks along our private trails, a swim in our indoor pool, and golf on our outdoor putting green, fashion shows, concerts, and shopping trips in Rye and jaunts to New York City to visit a museum or attend a Broadway show.

New residents are drawn to The Osborn for many reasons. For some, it may be the verdant 56-acre arboretum campus that is meticulously manicured and graced with more than 100 species of trees. Others enjoy the entertainment programs and the varied intellectual pursuits offered. Many residents move to The Osborn for an independent living residence. They also find it comforting to know that should their needs ever change, they don’t have to leave The Osborn. As a continuum of care community, The Osborn provides Independent Living, Assisted Living, Home Care, Memory Care, Short-Term Rehab, Long-Term Care, and Outpatient Rehabilitation all on one campus. Simply put, The Osborn offers options for living today and for tomorrow.

Meadow Ridge

100 Redding Road, Redding, CT . 203-544-7777 . www.MeadowRidge.com

You have looked for experiences beyond the ordinary all your life, and when it comes to retirement living, you want an experience that raises the bar. Meadow Ridge is a distinctive continuing care retirement community for discerning individuals seeking a fresh perspective on senior living. Our scenic landscape in Redding provides 136 acres nestled among rolling hills, natural woodlands and open meadows for the best of Connecticut country living, located close to all conveniences.

From the time you walk in the door and see our stunning three-story atrium, you will know you have found a retirement lifestyle experience like no other. The luxurious refinements continue with apartment homes that are well appointed and generous, more so than any other community in Connecticut. Floor plans are available in one- and two-bedroom styles with or without a den and range from 850 to 2,600 square feet.

Premium finishes, a patio or balcony, fireplaces, crown molding, stone countertops, high-end appliances, custom closets and fully monitored call systems are just a few of the little extras that come standard in every home. Meadow Ridge offers world-class amenities, gourmet dining experiences and an abundance of weekly programs. Do laps in the indoor pool, pamper yourself in the salon or walk your dog on one of the many lush trails on our sprawling campus.

Whether you enjoy a life of constant activity or something a bit more laid back, the lifestyle you desire is available here. Plus, you can rest easy knowing our Lifecare offering gives you access to exceptional care across the continuum at a predictable monthly cost, even if your or your partner’s care needs change in the future.

We invite you to visit our campus and learn why Meadow Ridge offers a senior living experience that rises above the rest. Take a private tour, have lunch in the bistro, engage in conversation with residents and receive a thermos of our chef’s exquisite butternut squash soup to go on your next visit.

Senior living that rises above the rest.

Our residents all agree on one thing; wishing they had made the move sooner. From the time you walk in the door and experience our stunning verdant atrium, you will see retirement living beyond the ordinary. At Meadow Ridge, you will enjoy a distinctive lifestyle, with refinements such as luxurious apartment homes, gourmet cuisine, impeccable service and exquisite amenities. You will also gain the security of Lifecare, which provides future care at a predictable cost, giving you peace of mind.

To learn more about Meadow Ridge and the benefits of a Lifecare plan, call 203-349-6347 or visit MeadowRidge.com

100 Redding Road | Redding, CT 06896

Wartburg

One Wartburg Place, Mount Vernon, NY 10552 . 914-699-0800.

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 more than 155 years ago, to the award-winning, comprehensive older adult care community, Wartburg offers a gold standard of living and care options.

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.

We are building for the future! Slated for opening in Fall 2023, the New Living Center will be a state-of-the-art facility that will bring resources and support to those affected by Alzheimer’s and dementia related diseases. The building will consist of 64 beds, made up of 32 single suites and 32 companion suites.

At Wartburg, you can age in place gracefully and secure that your health and safety are our priority. At Wartburg, you can live your best life.

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.

Call today for a tour or for more information!

You’ll enjoy:

• Your new home located on a beautiful 34-acre campus with a full continuum of care

• Newly renovated

• 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.

The Knolls - A Bethel Community

55 Grasslands Rd., Valhalla, NY 10595 . 914-461-4517 .

The Knolls, a unique senior living community nestled in the heart of Westchester, offers its residents a life that they are already comfortable with: cozy, inviting and surrounded by friends. Our casual atmosphere allows residents to “come as they are” and enjoy the stress-free living that only a Continuing Care Retirement Community (CCRC) can offer.

Included maintenance, housekeeping and meals means that the only thing you’ll have to worry about is finding time to enjoy all of our community’s curated activities: whether exercising in our fitness center, enjoying a film in our theater or simply relaxing in our heated indoor pool.

The Knolls is sponsored by Bethel a local nonprofit, which has over 100 years of service to the seniors of Westchester County. Learn more at www.TheKnolls.org

The Chelsea at Greenburgh

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

The Chelsea at Greenburgh is a luxury senior living residence that combines state of the art design and a warm and inviting aesthetic.

Modern amenities like a café/bistro, club room, art studio, salon, sports lounge, theater, fitness/rehab room, and a beautiful dining room to enjoy all meals deliciously prepared by our Executive Chef.

The Chelsea at Greenburgh offers specialized services for residents with enhanced care needs and for those that require memory care. These services allow our residents to age in place in a beautiful homelike setting. Our Lifestyles team provides a full calendar of events and activities for our residents each day.

Chelsea Senior Living operates 24 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.

*More information can be found at chelseaseniorliving.com or by calling 914-275-0010.

Bethel's Springvale Inn & The Pines

Bethel, a proud not-for-profit since 1911, offers many options for seniors through their Continuum of Care. Bethel provides affordable senior living options at The Springvale Inn: an assisted living residence for seniors who enjoy a worryfree lifestyle. Residents enjoy three meals a day restaurant-style dining, computer enabled library, game room and fireplace lounges—and they’re just a glance away from finding something to their liking on our daily activity calendar. Clinical services are available on site 24/7.

The 50-apartment Pines is for independent living seniors and offers three meals a day, weekly housekeeping and a number of amenities as part of the affordable monthly rent. A “no-frills” rent-only option is also available.

Nancy is 91 years old and lives alone in her own home. Her family tells me she now needs 24-hour care at home, but they think she cannot qualify for Medicaid benefits because she (1) owns her home; (2) has money in the bank; (3) has an IRA; and (4) collects a pension. They've heard about the “five-year lookback” period and don't think Nancy can possibly qualify for assistance.

Can Medicaid help or not?

It’s complicated, so let’s look at this case to better understand Medicaid eligibility and how Nancy’s family might proceed.

Nancy has these assets:

Checking/Savings: $85,000

IRA: $90,000

Home: valued at $350,000

And the following monthly income:

Social Security: $1,200

Pension: $1,600

IRA Distribution: $658

Determining eligibility for Community Medicaid (care at home) differs from that of Institutional Medicaid (care in a nursing home). The dreaded “five-year lookback period” is for nursing home care only. For Community Medicaid, there is no penalty for assets transferred out of Nancy’s name. This is slated to change on March 31, 2024, although this could be delayed.

Medicaid assesses eligibility based on (A) assets and (B) income. On the matter of assets (property and bank accounts) for Community Medicaid eligibility, Nancy’s house is exempt if she continues to live in it. Since

BY CO LIN SAND LER

New York has estate recovery for Medicaid recipients, the state can come after the house after she passes away (or if she moves out of the house) unless some additional planning is done. Typically, people transfer their home into a trust with the help of a qualified elder law attorney, thereby eliminating the estate recovery issue.

Nancy’s IRA principal is also exempt if she takes her Required Minimum Distributions (RMDs). In some New York counties, a distribution higher than the RMD is required to exempt the retirement asset. Since most IRAs have direct beneficiaries (passing to the heirs), the IRA principal is generally protected.

Nancy can keep up to $30,182 in her name and still qualify for Medicaid. If she transfers $57,000 of her $85,000 in countable assets, either to an Irrevocable Trust or to her children, she will be eligible for Community Medicaid. Her eligibility will start the first of the month following the transfer.

Then there is the issue of her income.

With $3,458 in monthly income, she is $1,781 over Medicaid’s 2023 limit of $1,677 per month. She can still qualify for Medicaid by either (1) paying Medicaid $1,781 each month OR (2) setting up a Pooled Income Trust to protect this excess income. When using a Pooled Income Trust, the excess income of $1,781 is transferred from Nancy’s account to a Pooled Income Trust account each month. Then she or her family can request this money be paid

to her various creditors (electric, phone, cable, food, home maintenance, etc.).

Bills must bear Nancy’s name, should not be medical in nature and funds cannot be used for gifts to others. The trust can typically be used only to pay for Nancy’s non-medical living expenses (with some exceptions). Aside from the monthly fees associated with a Pooled Income Trust, she has access to all her income each month.

Nancy maintains control over the money in her trust, and decides which bills she wants paid, as well as how much and when they are paid.

Once Medicaid is established, we can pursue home care services, day care, transportation and so forth to meet Nancy’s needs and allow her to potentially remain at home for the rest of her life. Ideally, this enables her to avoid any long-term nursing home placement.

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Colin Sandler, LCSW, CCM, is the owner of 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.

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SUNDAY, OCTOBER 1, 2023 10:30AM-2:30PM