Bakken Living Spring Issue Sidney, MT

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SIDNEY, MONTANA

S

Spring 2019

VOLUME 3 | ISSUE 3

IN SIDNEY, MONTANA

Pg 06

SIDNEY STORE OFFERS VARIETY TO YOUR LIFE IN SIDNEY, MONTANA

Pg 08

THE SHOPS AT FOX RUN

CATTLEMAN’S BALL

by JENNIFER DOTY

KINDNESS IS CONTAGIOUS “THIS IS A LETTER OF APPRECIATION FROM MARILYN BUECHLER”

Pg 16

THANK A DOCTOR

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WHY I LOVE THE BAKKEN

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HEALTHY AND IN STYLE


BAKKEN LIVING MAGAZINE

* Bakken Living

Contents SIDNEY, MONTANA

Issue 03 - Spring 2019

-----------

(Spring) 2019

THE SHOPS AT FOX RUN

SIDNEY STORE OFFERS VARIETY SIDN EY MER CAN T IL E

08

12

15

HEALTHY AND IN STYLE CATTLEMAN’S BALL

03 06 08 12

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THE SHOPS AT FOX RUN i i

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SIDN EY HEAL T H CEN T ER

J EN N IF ER DOT Y i i our r

n i ing

THANK A DOCTOR

WHY I LOVE THE BAKKEN

FROM THE PUBLISHER a

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WHY I LOVE THE BAKKEN orn and rai d in idn , a

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THANK A DOCTOR T his is is a ari n u

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SIDNEY STORE OFFERS VARIETY n o ing a ou

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Handmade is the new black! Over a 100 artists. A handmade boutique.

Sunrise City Small Business Show May 4th 9am-5pm • Call for details

Sidney Mercantile

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Starts on page 4!

214 S Central, Sidney

Chris Entzel - Owner Hours: Tues-Sat 11-6 Sun-Mon Closed (406) 480-3319 128460


BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Publisher

A letter from the

Issue 03 - Spring 2019

P U B L I S H ER K e lly M ille r - P u b lis h e r EDI TO R B ill V a n d e r W

e e le

C REA TI V E DI REC TO R D e a n n a B u c k le s B U S I NES S M A NA G ER J illa in e E a s t r id g e A DV ERTI S I NG S A L ES H a r le ig h R o t h C O NTA C T U S e d it o r @ s id n e y h e r a ld .c o m

A d d re s s :

310 2n d A v e . N E

Kelly Miller

Em a i l :

S i d n e y , M T 5 9 270

W

Welcome Spring! Welcome Spring Fashion!

elc o m e S p ring ! W elc o m e S p ring F a shio n! I ha v e hea rd it sa id , ‘ N o o ne ha tes w inter m o re tha n a p erso n w ith a m o to rc y c le in their g a ra g e. ’ I w o u ld lik e to a d d a q u ic k no te. N o o ne ha tes w inter m o re tha n a p erso n w ho j u st m o v ed to Ea stern M o nta na w ith a m o to rc y c le in the g a ra g e. I t ha s b een a lo ng , c o ld w inter. T he w ho le f a m ily is lo o k ing f o rw a rd to the w a rm er w ea ther. W e ho p e to b e o u t rid ing o u r steel ho rses v ery so o n. I have really enjoyed my first six months in S id ney . T ha nk y o u to ev ery o ne w ho ha s rea c hed o u t to w elc o m e m y f a m ily . I rea lly lik e the a rea . T here a re so m a ny g rea t p la c es to ea t a nd sho p in R ic hla nd Co u nty . I ho p e this issu e o f B a k k en L iv ing intro d u c es y o u to a f ew new o nes. O n the ho m e f ro nt, M a rc h is a m o nth o f c ha ng e. H ere a t the S id ney H era ld w e a re ta k ing it in strid e a nd m a k ing

so m e m u c h need ed u p d a tes to m a ny aspects of our operation. First, you m a y ha v e rec eiv ed this c o p y o f B a k k en L iv ing in y o u r N ew sp a p er! W e w a nt to m a k e su re the m a g a zine is rea d ily a v a ila b le to a ll o f o u r ho m e d eliv ery subscribers. Of course, you can still find the magazine at businesses all o v er S id ney a nd the su rro u nd ing a rea . We hope this new distribution allows our advertisers a new way to reach new c u sto m ers a nd g ro w . This is our first ever Fashion Issue of B a k k en L iv ing . T here a re so m a ny g rea t boutiques in our area. In Sidney alone you can find so many great shops. With new businesses sprouting up all over town, we want to be the first to intro d u c e y o u . I f y o u ha v en’ t b een to the M o nta na B a re Ca v e y o u a re m issing o u t. B e su re to sto p a nd v isit Sidney Mercantile. You will be amazed at what they have to offer. Fashion and F U N , g o see the new c a nd y ro o m a t Abbi’s Boutique. You can be in style all

P h o n e :

406- 433- 2403

F a x :

406- 433- 78 02

W

e b :

w w w .s id n e y h e r a ld .c o m

©

2019 S I D N E Y H E R A L D A F REE P UB

LI C A TI O N O F TH E

P u bli shed b y the S idn ey H era ld a nd Wick Communications

y ea r sho p p ing a t J ’ z, M erg e a nd T hee Beautique right here in Sidney! If you a re u p f o r a sho rt d riv e y o u m u st v isit Miss Willow’s Nest in Watford City. T hey ha v e g rea t sty le! W e ho p e y o u enj o y a stro ll thro u g h the new est f a shio n a nd ho m e d ec o r f o r spring 2019. By the time you are read this it w ill b e the end o f M a rc h a nd sp ring w ill b e H ER E! ( I ho p e)


BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Issue 03 - Spring 2019

G lyder L eggings

$78

Hidden Denim J acket

$79

L eopard Scrunchie

$3

Earrings

$10

M ERG E F AS H I O N & L I F ES TY L E 117 Central Ave, Suite C Sidney, Montana

Hidden F rayed J eans Hidden F rayed J eans

$64

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$58


BAKKEN LIVING MAGAZINE

The world awaits.

You You can’t can’t predict predict your your future. future. But we can help youprotect protectit. it. you SIDNEY, MONTANA

(You don’t.) Next time you travel, hop on one of our fast, daily flights to Billings Logan International for easy connections to wherever you’re going. And enjoy the ride.

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Issue 06 - Winter 2018

each way

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Glendive Agent Photo

Billings

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Enjoy the ride.

capeair.com

800-CAPE-AIR

*Including all taxes and fees. Fares are subject to availability and other conditions. Fares may change without notice, and are not guaranteed until ticketed.

Disclosure Farm Bureau Life Insurance Company*/West Des Moines, IA. *Company provider of Farm Bureau Financial Services M140 (12-18)

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Rheem Water Heaters Lochinvar Boilers Taco Pumps

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34930 Hwy 23 Sidney

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Serving the industry in Sidney, MT since 1957.

92366

P.O. Box 786 • Sidney, MT 59270


BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Issue 03 - Spring 2019

K u t z le r is th e n e w B u rg e r K N a ils a n d a ll e n jo y in s u

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he Shops at Fox un is celebrating five years of existence and the location has been established as a shopping hub for the eastern Montana western North akota region during that time. oren utzler, manager at eynolds Market in Sidney, noted that eynolds’ service has only improved at its new location. We were worried that we would lose our hometown feel, utzler said. But that hasn’t happened. We emphasize customer service to our team members and it has paid off. utzler noted that eynolds Market and its sibling companies did experienced some challenging times five years ago. When we opened, we really had a tough time finding staff. We went from 0 employees to 1 0, utzler said. We were lucky enough to have a good core staff to start with. Because of the way that individuals were switching jobs during the oil boom, eynolds ended up sending out more than 00 W2s during that first year. Which was obviously frustrating, utzler said. With a much more stable workforce and constant improvements, eynolds Market is now extremely proud of its services. Additions during the years have featured smoked meats including brisket, ribs and chicken in the store’s deli. utzler said that was the idea of eynolds’ president ohn eynolds. It was basically because ohn eynolds wanted utzler PAGE more healthy options than fried food, 6 explained.

Reynold’s features a floral shop for all your floral arrangement needs. The deli has also increased its grab to go items such as salads, sandwiches and protein cups. In 201 , a full service sushi bar was added and was immediately extremely popular. Again, the objective was to offer something different than what people usually see in a grocery store in eastern Montana, utzler said. Other changes have included the addition of a fresh juice machine in 201 and the switch to carrying Food Club brands in 201 . eynolds has continued to be a positive community partner. Through the Friends of eynolds FO program, more than ,000 has been donated back to participating non profit organizations in the five eynolds Market stores in Montana. ach quarter, the stores donate a percentage back of the total purchases made by FO non profit members.


BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

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“ T ha t’ s a no ther thing w e d o to g iv e b a c k to the c o m m u nity b ec a u se w e’ re lo c a lly o w ned , ” K u tzler sa id .

We were lucky enough to have a good core staff to start with. T he sto res f ea tu red a t T he S ho p s a t F o x R u n ha s c ha ng ed in the f ew la st m o nths. K u tzler is p lea sed tha t the new additions of Burger ing, Sidney Nails and omino’s are all enj o y ing rem a rk a b le su c c ess. H e a d d s tha t a no ther lo t ha s b een so ld in the c o m p lex , so a no ther b u siness is c o m ing to S id ney in the nea r f u tu re. They are definitely good additions and the community has been very supportive, utzler said

We designed the shopping center to be versatile and exible and accommodating for interested business plans tha t w e b eliev e a re c o ng ru ent w ith S id ney ’ s a nd o u r neighboring areas values and expectations. And we are very ha p p y w ith the resu lts so f a r, ” J o hn R ey no ld s, p resid ent o f R ey no ld s M a rk et, sa id . “ W e b eliev e F o x R u n is the nic est shopping center in a long, long stretch, and will continue to be going forward.

Retirement Living at it’s Best!

Crestwood 410 3rd Ave. SW, Sidney, Montana 59270

406-433-3721

Salt Water & Fresh Water Hauling

141226

OIL FIELD TRUCKING

Bryan Gartner, Owner/President 406-482-8800 •Fax 406-482-8200 • Cell 406-489-1002 Dispatch Cell 406-480-4130 hilinetck@midrivers.com • PO Box 1066, Sidney, MT

138866

o

Issue 03 - Spring 2019


BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Issue 03 - Spring 2019

Sidney store offers variety to your life T h e r e r e a lly is s o m e t h in g in t h e s t o r e f o r e v e r y o n e

O

“We’re pretty much a brick and mortar Etsy.” ne of the e b st things ab out Sidney is the stores and restaurants that are uniq ue to the town. Pa a ou ou dn nd an else. One of those stores is Sidney r anti

r

Owner Chris Entzel laughed and said, “ I started the store without talking to my husba nd.” W hile it was something she had wanted to do, her husb and, udd, didn i a rig ti “ It was never going to b e the right ti o ign d a and PAGE told him that night. He’ s b een a 8 o or u orti in ,

added.

by Nicole Lucina

n r arting, r r on 2 7 vendors f eatured in the store. N ow i o o di r n ndor and has an array of items that are made locally or in surrounding areas and states. V endors f rom Montana, W yoming, N orth Dakota and Colorado have started selling their products a or n u ad r r handmade items f rom Peru shipped end of F eb ruary.

i uation on a in aid, ou don’ t b uild your dream, someone else will hire you to b uild theirs,’ ” Entzel said. She went on to note that her dream f or the store is that someday she will own her own b uilding and f eature many states and countless countries.

“ I want to exp and to more states and countries,” Entzel said happily.

“ I knew there was talent in the area, b ut I had no idea j ust how much! It’ s unreal, and locals are coming out of the woodworks. At least one new a r o in r anting o ring ir ra in u o small b usinesses, 5 4 are f rom Sidney.”

Entzel ref erred to a q uote that she nd in iring and uiting o r

W

hen asked what her price range was, Entzel smiled and said, “ F rom 10 cents


BAKKEN LIVING MAGAZINE

on d or i ing a o o a a o ing n do a u a an

T here really is something in the store f or everyone. T here are clothing items f rom inf ant to 5 X . Entzel smiled and aid, r r u a ri and mortar Etsy.”

r o uni ori n d, n idn i r ar i , n i n gati ou id , add d i a i

a r a o dr a and goa or i or a no ur o o a ain, u i a o o ati n and r ran and u or o o uni , i g r n said. She added that one thing that sets her apart f rom other stores in the ar a i a a an a undan o arr Po r i arr Po r i a u ti i ion do ar indu r and idn r anti i having a piece of a r a that pie.

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She noted that she even gets u o r o ra ro i i on and a ord i u o o o r store. “ T hey tell me they come to idn o a u r o

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Entzel’ s store goa or i or a no ur i u o ing i a ign , o o a ain u i g r ntia rodu , r , o , a , i i on a ord and o dr r , an , a , ard , o , origina an a ainting , i ni , atmosphere of Sidney.” , Entzel said. ga ar , ood n ign , oa , add d a u or ro ar round , a i , gag gi , o uni a an a o o r o d or, and o u or a urd a a ing, aid a ou u o r u or n a o no d a dona gi a or di r n n in o n idn r anti i und rgoing u a a an a , o o ang in n ar u ur and ir u and n or n

Issue 03 - Spring 2019

n ain d a a n i ing urn d in o a or o r an a ntia rodu a a a o ing ndor o u a or or o ar roo on ain oor i going o a a roo or id i a ini a i , oo , and o ating n aid i a i id ar a a o a idn r anti n add d a or n ndor o in and a o

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Chris Entzel

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to $ 5 ,5 9 5 ! ”

SIDNEY, MONTANA

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BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

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Issue 03 - Spring 2019


BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Issue 03 - Spring 2019

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BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Issue 03 - Spring 2019

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HAVING A GOOD TIME AROUND A TABLE ARE, FROM LEFT, BROCK SCHRIVER, MONICA CAYKO, ANNDEE TAYLOR AND MARION AND KENNY KITTELSON. PAGE

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BAKKEN LIVING MAGAZINE

J ohnson went on to add what a great help the F F A kids were f or the event. “ T hey were running ir u o , o n on said. “ T hey were great help b ef ore and a r n she added. roug ou ning, FFA id were making their rounds passing out f ood and picking up plates and cups that were empty. “ T hey were a o , o n on aid ing up as well as going ba ck the next day o a r ing u , FFA id r d ni an a o event.

T he event also f eatured a Plinko game that you could pay to drop one down and have the chance to win a cash prize. T here was a total of $ 5 00 that ou d a n on au tion i n r ui and n very well. o- air n o a an a ar i ond no aid, a an a on again a ug , u u and un d nig ad a a ing au tion and ra i a n over very well. T hank you to all our on or and o un r , and o important thank you to everyone that a nd d and u or d n ond no add d, A ug an ou to Alyson Schriver f or entertaining us during cocktail hour and K yle Shob e or ni ing ou nig i n b rings the community together f or a gr a au T he f ocus of the event was to raise awareness in the community that b eef is a heart healthy choice. T he event a rai d or an , i und going o idn a

SIDNEY, MONTANA n r cardiac department.

Issue 03 - Spring 2019

inn r on i d o oo d a aragu , b eef skewers that had grilled in a , and onion a tender and amazing and the wild rice was a nice side to all the rest of the f ood. Fo o ing dinn r and i au tion, and o and a o ro i o n ro d place with their music. T hey got people up out of their chairs and out on the dan oor no r ona , an ai o go again n ar origina o i or n a o ri d o ri tin ar on, Sondeno and J im Steinb eisser. ond no no d a a r o ti add d or and on d , in uding a n nn on, A on in, ri an aug n and ri a Pr i o o i

01

01

Area women, from left, Jerri James, Jenna Olson, Kristan Haugen and Lindsey James have a good time during the Cattleman’s Ball held in Sidney.

02

02 Rita Covel, left, and McKen-Z Ramus pose for the camera

03 A group of young women dress up for the event.

04

03

04

Megan Johnson, left, and Arien Goss model their outfits.

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BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Issue 03 - Spring 2019

S EAS O NAL OH M E DEC O R AB

B I ’ S UNI

Q UE B O UTI

32 3 2 nd Ave SE Sidney, Montana

(406) 433-6219 PAGE

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Q UE


BAKKEN LIVING MAGAZINE

B

SIDNEY, MONTANA

orn and raised in Sidney, I have always be en f ortunate to be surrounded b y a large ext ended f amily. As a parent of two daughters, I wanted this same exp erience f or my girls – growing up knowing their grandparents, cousins, aunts and un r i ad a r iation or the people who live and work in the MonDak region. I admire their strong work ethics, commitment to f amily values, loyalty to one another and generous giving ways.

aning u or in a tion A at Sidney Health Center, my numb er one goal is to provide a desirab le place or ati n o r i ar , i ian o ra ti di in , and o

Issue 03 - Spring 2019

college graduates to learn and grow in ir ar r P u , our organi ation prides itself as a culture of caring. Many employees ref er to their Sidney Health Center work-f amily as one of the reasons they love their j ob ! F or many people, the passion f or purpose is outside the scope of their work. T hey give b ack through o un ring and nan ia u orting o a ariti , n and non- ro organi ation For , it is a pleasure to give b ack to this community that has given me so much roug ar n ar ti , enj oy b eing a G irl Scout leader f or my daug r roo on r ation grou leader at Pella L utheran Church, spin class teacher at HealthW orks, and L ion’ s Club memb er.

Li ke many parents, my husb and, o and nd o or in rai ing our children in a saf e community that allows them to grow into well-r ounded individuals. T he MonDak area is rich in o or uniti or id o a ag o arti i a and in a ad i , dan , or , r i organi ation , and ar i in ti ing i or an of f amily, f aith, and hard work. I have a prof ound pride f or b oth Sidney Health Center and the community I call home.

to share their talents. I b elieve when a o uni a a nan ia rong a ar i o iti i a our q uality of lif e.

At a very young age, I learned the value of worthwhile work and having a passion f or purpose. W orking in healthcare allows me to see

Prof essional growth is also a draw to our community. F or young adults, many industries such as healthcare o r a gr a o or uni or n

T o sum it up, I love living and working in the MonDak region b ecause I am invested in the community and all it a oo r ia ni o to health and wellness. L if e is what you make it, where ever you reside! L ive well, b e well – J ennif er Doty PAGE

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BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Issue 03 - Spring 2019

Thank a Doctor...Kindness is Contagious “...t h e v a lu e o f c o n n e c t in g p e o p le t o p u r p o s e f u l

P

w o r k i s i m m e a s u r a b l e .”

atients have b een thanking their doctors f or decades and the annual holiday recognizing physicians can b e traced b ack to 19 33, where it was f irst ob served in W inder, G eorgia. N ational Doctor’ s Day is recognized annually in the U nited States on March 30. T his day is set aside to honor physicians f or the work they do f or their patients, the communities they work in and f or society as a whole. T he holiday is celeb rated in a numb er of dif f erent ways. T raditionally, patients sent greeting cards to their physicians thanking them f or their hard work and devotion to keeping our society healthy. Each year during the month of March, the F oundation f or Community Care in Sidney provides a venue f or patrons to thank their doctors and give a gif t in- kind as a trib ute of the work they do all year long. “ T hrough this campaign, we receive several heartf elt messages to share with local physicians,” noted Melissa Boyer, CPG A, Planned G iving Of f icer at the F oundation. “ W hether the gif t is b ig or small, the value of connecting people to purposef ul work is immeasurab le. So many patients are gratef ul f or the care they receive and want to ensure q uality healthcare is always availab le in R ichland County and the surrounding area.” W hen receiving these letters, physicians are of ten humb le and appreciative. Dr. Edward Bergin, who is a G eneral Surgeon at Sidney Health Center, is celeb rating his 39 th year in Sidney this month. He has received several accolades through the years and his comment is always the same, “ T he most important person in the room PAGE is the patient.” L ike many physicians, he ab ides b y 16 the golden rule, treat others as you would wish to b e

treated. R ecently, one of Dr. Bergin’ s patients, Marilyn Buechler, age 8 1, wrote a letter of appreciation that reads like a story. T he letter is an ex ample of the good work many doctors do throughout their careers. It speaks to the relationship that develops b etween a physician and his/ her patient, ultimately b ased on trust and loyalty. Here is what Marilyn wrote:


Dear Dr. Bergin, This is a letter of appreciation from Marilyn Buechler, age 81, to a great surgeon and man who I say is the best in the USA! In 1988, my twin sister, Jackie, and I met you for our first colonoscopy. Our father had died of colon cancer and Patti Wittkopp, PA, recommended all of our family get checked. My daughter, Janet Beery, was our driver that day. We all liked you immediately as you had a great sense of humor. I remember you saying to my sister and I “Double Your Pleasure, Double Your Fun!” like the old Double Mint Gum commercials. My sister was told she had colorectal cancer. You were very kind and explained everything. She was very lucky as it was caught early and no chemotherapy was needed in her treatment. After that, we saw you annually for a long time, then about every 5 years. In 1991, my husband, Ken, had a carburetor explode in his face, arms, and chest. You assured him that even though

you had never done such extensive work on burns, you could take care of his-and you did. Right then I knew you were a great surgeon and doctor. Thank you for a job well done. Then in October of 2017, I was diagnosed with very aggressive, small cell breast cancer, which was unusual as this type of cancer is typically found in the lungs. I was never scared. I knew you and God would take care of me. Again, it was caught early and I had a mastectomy, and a pretty one, too! I went to Billings to get my chemotherapy prescribed. Thank heavens Sidney has a wonderful Cancer Center and staff. As of February 23, 2018, I have been cancer free. Most recently, I had a colonoscopy, surgery on my gall bladder where 5 stones were found in my bile duct. (I can’t seem to do anything normally!) After being sent to Billings for more surgery, I’m finally home in Richey. Now it’s healing up time. Thank you, Dr. Bergin, from me and my family for your wonderful care. God Bless, Marilyn Buechler

BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Issue 03 - Spring 2019

Sidney Health Center’ s medical staf f is comprised of twentyf ive local physicians who of f er services across the spectrum of care including emergency medicine, f amily medicine, internal medicine, pediatrics, ob stetrics/ gynecology, general surgery, orthopedic surgery, otolaryngology ( EN T ) , podiatric medicine, medical oncology, radiation oncology, pathology, and radiology. In addition, f our f amily nurse practitioners, f ive physician assistants, three nurse anesthetists and an audiologist compliment the medical staf f and round out the team. T o see prof iles of the entire team, visit the organization’ s web site at www.sidneyhealth.org. If you are interested in making a tax deductib le gif t in honor of your f avorite doctor, contact the F oundation f or Community Care at 4 06 - 4 8 8 - 2 2 7 3 or w w w . f o u n d a t io n f o r c o m m u n it y c a r e .o r g .

It’s Health Information at Your Fingertips The MY CHART APP 1 Access Your Health Information Online 2 Schedule Appointments Online 3 Access Test Results 4 Request Prescription Renewals 5 Message Your Care Team 6 Pay Your Medical Bills Online

216 14th Ave SW Sidney, Montana Phone: (406) 488-2100 PAGE

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138794

Go to: SIDNEYHEALTH.ORG and Click-On the “MY CHART” hyperlink


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BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Issue 03 - Spring 2019

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BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

HYBRID PLANS CAN SERVE A DUAL PURPOSE BY RETURNING ALL OR A PORTION OF THE PREMIUMS BACK

Issue 03 - Spring 2019

Your Children’s Decision or Yours FARM BUREAU FINANCIAL SERVICES - CARA L STORM

W hat is one of the hardest decisions you will ever have to make involving your parents?

W

ho w ill c are f o r them w hen they c an’ t c are f o r them s elv es ? T he answer is never easy and they certainly don’ t want to b e a b urden to their children. If you have ever b een in the position of the care taker, you know this; it is a never ending, tireless j ob that you don’ t get paid f or. N ow that you, either cared f or your aging parents or had to put them in a care f acility, now know the f inancial b urden that this can place on a f amily, how do you prepare yourself and your f amily f or a dif f erent path? Start with a conversation ab out options f or long- term care. W hen should you start shopping f or options? Statistics say that you really should start looking as early as age 4 0, b ut serious shopping needs to happen b etween ages 5 0 and 6 0. Even if you may think that you don’ t need insurance now, you do need a plan. W hether or not the plan is a typical long- term care policy that will pay a set amount per day if you go into a nursing home b ecause you can’ t perf orm daily living activities like, eating, dressing, toileting, and

b athing or it is a hyb rid plan. T ypical plans on average run ab out $ 2 7 00 a year, per individual. Although, if you are married, couples can receive discounts. Hyb rid plans can serve a dual purpose b y returning all or a portion of the premiums b ack to the heirs and their cost is higher than a typical plan.

Part of the hyb rid strategy is in using lif e insurance. W hole lif e insurance policies are now of f ering an option, in the f orm of an endorsement. If you are healthy and can q ualif y f or the lif e insurance, an endorsement is added that can b e used if you can’ t perf orm 3 of the 6 daily living activities. In the event, that you need to activate the

endorsement, the entire amount can b e pulled out of the lif e insurance to provide care f or the individual. One of the b iggest b enef its to using this option is in the premium. W hole lif e insurance premiums do not change once the policy is purchased whereas traditional long- term care policies can take spikes in premium. T he other b enef it to this option is that there may still b e money availab le f or the heirs through the death b enef it of the policy if the entire amount is not used in the endorsement option. Statistics say that b y the time you reach age 6 5 , you have a 5 0/ 5 0 chance of needing some sort of long- term care someday. If you haven’ t planned f or this event, on average ab out $ 14 0,000 would b e needed as out- of - pocket cost. U nless you have b een very proactive at saving or you want to b ecome provisionally poor, due to the current laws, it is time f or a f amily meeting. U nless you want your children to have to make that hard decision later, start the conversation now. PAGE

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BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

Issue 03 - Spring 2019

Members of 02 Sidney High School’s drama team perform during a dessert theatre in February.

U.S. Sen. Steve 01 Daines, R-Mont., talks issues during the Lincoln-Reagan Republican dinner held in Sidney.

Some of the 05 items that were featured during the Celebrating Chocolate event at the MonDak Heritage Center in Sidney.

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BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

The family of Haley Olson, 03 Richey, received a star quilt from a Brockton student during the District 2C basketball tournament.

Issue 03 - Spring 2019

Sidney Area Chamber 04 of Commerce’s board of directors after the Sidney Chamber banquet held in January.

08 Basketball Sidney High School cheerleaders perform a stunt during a home basketball game.

AAU wrestlers from 07 throughout the area hit the mats during a meet at Sidney High School in February.

O n the Sc ene Community events in Richland County

Photos by Bill Vander Weele, Editor

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BAKKEN LIVING MAGAZINE SIDNEY, MONTANA

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