Resource Directory - Senior Citizen`s Guide

Transcription

Senior Citizen’s guide to Northeast New Jersey
Contents
Featured Articles
Universal Design Concept: Improves Senior Housing...................... 6
Things for Grandparents to Do....................................................... 8
Final Expense Insurance and the Boomer Generation Dilemma..... 10
Symptoms of a Stroke...................................................................13
Life Care Planning Should Be All About You................................15
Financial Scrambled Eggs.............................................................17
Organizing Important Financial Documents: 1 File / 6 Lists........19
When it Comes to Medicare,Choices Abound...............................22
Reverse Mortgages and Financial Freedom for Seniors................26
Boomers
Resource Guide
Social Connectedness: The Key to Longevity and Well-Being......... 28
Early-Stage Alzheimer’s Disease..................................................... 30
Volunteer Center Provides Opportunity and Help............................ 32
Resource Directory
Arts / Entertainment....................34
Agencies on Aging......................37
Alzheimer’s Disease....................37
Bus Tours.....................................37
Cancer..........................................37
Dental..........................................37
Depression / Mental Illness.........38
Diabetes ......................................38
Elder Abuse.................................38
Employment / Volunteerism .......38
Eye Care......................................38
Financial......................................39
SeniorCitizensGuide.com/nenj
Geriatric Care Management . .........39
Health Insurance / Medicare Plans..39
Hearing............................................40
Heart................................................40
Hospitals / Medical Centers............40
Legal / Elder Law Resources..........42
Libraries .........................................42
Nursing Care / Rehabilitation.........44
Other Helpful Organizations...........45
Senior Centers.................................46
Senior Living Options . ..................48
Senior Transportation......................48
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The Senior Citizen's Guide to Northeast
New Jersey is a bi-annual publication that is
released during the spring and fall.
To request copies of the guide please
e-mail [email protected]
The Senior Citizen’s Guide to Northeast New Jersey is a
semi-annual publication of Spindle Publishing Company,
Inc. Every effort has been made to include correct and
current information. However, the Senior Citizen’s
Guide to Northeast New Jersey or its publisher cannot
accept any responsibility for inaccuracies or omissions.
Mention or editorial inclusion of any organization or
business does not constitute endorsement. Mention or
inclusion of AARP or its website does not constitute
endorsement by AARP or its website. Cover photo
purchased from www.thinkstock.com
© Spindle Publishing Company, Inc.
Spindle Publishing Company, Inc.
2275 Swallow Hill Rd, Building 800
Pittsburgh, PA 15220
Phone: 412-278-4900 Fax: 412-278-4906
www.seniorcitizensguide.com
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Publication Manager
Gretchen Carik
Group Publication Manager
Jennifer Rogers
Publisher
Naresh Dewan
Administrator
Diane Koch
Creative Services
Amy DePalma, Ryan Lange, Joseph Maiocco, Amanda Navadauskas
Staff Olivia Barclay, Carol Anne Barsody,
Brooke Breon, Amanda Elrod, Nicki Hutchins,
Gabrielle Matich, Dalene Renner, Sarah Pile,
Kristie Rae Sirakos,Matthew Shiwarski,
Erin Wolfe
Interns Gabrielle Bogan, Samantha Lewis,
Elizabeth Gildea, Gillian Stern
Say You Saw It in the Senior Citizen’s Guide to Northeast New Jersey
Housing
by Winchester Gardens
Universal Design Concept
Improves Senior Housing
O
nce a geographic area
is chosen, many seniors
begin retirement communityshopping to address personal
needs. With today’s abundant
choices from suburban condominiums to single-family homes
in country club settings, decisions
will most often pivot on amenities and floor plan preferences.
However, selection-wise seniors today are becoming aware
of a new criteria affecting home
design: built-in features that provide conveniences and comfort
for current living as well as later years when aging may diminish activities.
In both contemporary architecture and housing product lines, the concept
is known as “Universal Design.”
Its applications can be found everywhere: In transportation, buses
have “kneeling” capacity bringing front ends to a ground-level position
for easier access to kitchen dishware with steeper sides and contrasting colors aiding visual and dexterity problems. From toothbrushes
to homes, Universal Design has become the new standard to measure
improved accessibility.
The idea grew from principles adopted in 1961 termed “Barrier Free
Design” that established special criteria for disabled individuals. Universal Design concepts later expanded design improvement to emphasize
accessibility for everyone and almost everything they might use in dayto-day living.
Today’s adult housing uses those design principles as guidelines to
optimize floor plan layouts and built-in features, providing improved
accessibility and added convenience for any buyer, whether or not a disability is involved.
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A ‘Boomer’ buyer surveying active adult communities today might
look for dozens of built-in features that may include ground-level entry,
extra-wide interior doors and hallways, lever-handles to replace twisting
knobs or large panel lighting switches instead of smaller toggle types, all
the result of adaptation of Universal Design.
Operations Vice-President Keith Grady incorporated this philosophy
in the restyling of residences at Winchester Gardens, a continuing care
retirement community in Maplewood, N.J., beginning with surveys of
residents and shoppers to determine what they would add to an existing
home to improve their lifestyle. (An AARP study reports 95 percent of
Americans age 75+ want to stay where they are living).
A Certified Aging in Place Specialist (CAPS), Grady knew improving
kitchens with upgraded stainless steel appliances and granite countertops
no longer were considered significant differences even for a 62+ age adult.
“Three key elements became clear: we needed to keep improvements
affordable, make them both attractive and functional, and address accessibility,” he said. Among the more surprising results: many retirees used
bathtubs for storage, reflecting the need for more closet space.
Overall, the surveys combined with Universal Design standards determined the repositioning direction for the timeless Winchester Gardens’
floor plans that now offer additional safety and accessibility throughout
kitchens, baths and closets, focused on resident comfort within existing
living space.
Mobility issues were addressed for safety and independence with
baths redesigned with level thresholds and walk-in tub areas for safety,
much like what you find in a hotel spa. Closets were designed to accept
adaptable storage systems.
Other elements included changing fluorescent lighting in kitchens
and baths to high hats to reduce glare and dead spots. Light switches
were lowered and plug-in outlets raised by six inches for easier access.
Kitchens were equipped with under-counter lighting and cabinetry that
now includes pull-out drawers and handles.
The impact of Universal Design is not only changing private housing.
Such attention to detailing accessibility has become so vital that in neighboring Westchester County (N.Y.), the Board of Legislators on July 2011
approved legislation requiring Universal Design in all new residential
housing supported by county funding.
Editorial provided by Winchester Gardens.
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Living
by the Ocean County Department of Public Affairs & Tourism
Things for Grandparents to Do
G
randparents/grandchildren, Ocean County, NJ and the fall season
are perfect together. Known for its seashore, the county offers
an extensive choice of fall activities as well.
Ocean County operates three parks with nature centers staffed with
park naturalists who will enhance any visit. All have walking trails.
Admission to the parks is free as are many the activities they sponsor.
• Cattus Island County Park
• Wells Mills County Park
• Jakes Branch County Park
Insectropolis, 1761 Route 9, Lakewood, is a bugseum. Much is done
with tongue in cheek such as Mother’s Day, when the “Queen of the
Hive,” mom, is admitted free. Then, there is the annual June Bugfest.
You will learn a lot about bugs as our friends, and some not so friendly.
Youngsters will meet some creepy crawlies up close and personal at the
bug talk. There also is an extensive butterfly collection.
Barnegat Lighthouse State Park in Barnegat Light is home to “Old
Barney,” a recently relit lighthouse icon. No climbing is necessary to see
the view from the top, which is available on monitors at the bottom via
camcorders. One of the smallest parks in the state’s system, it is packed
with things to do. A 1/4-mile cement, handicapped accessible walkway
is great for birding. Migrating waterfowl usually float into the Barnegat
Inlet. Programs are scheduled in the interpretative center where one can
find representations of birds that frequent the area as well the history of
the lighthouse. A small maritime forest, one of the last on Long Beach
Island, has a 1/5 mile-loop walking trail. Just right for little legs. Anglers
can be found fishing at the foot of the lighthouse. It is exciting to watch
boats traverse the testy inlet. Walk out onto the beach to take a great photo
with the lighthouse in the background and met the flashy red-winged
blackbirds that inhabit the local bushes.
Editorial provided by the Ocean County Department of Public Affairs & Tourism.
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Insurance
by Bruce B. Barrett
Final Expense Insurance and the
Boomer Generation Dilemma
“What do you mean he didn’t have any life insurance? Who’s going
to pay for his funeral and all the expenses that go with it? What are we
supposed to do, take up a collection?”
Having a family member or someone else close to you die with no
life insurance to cover all the costs of their final wishes can no doubt be
stressful, and can cause hardship and often resentment amongst family
members. All too often a loved one’s wishes for their final arrangements
are compromised because there is no life insurance, or there simply isn’t
enough money to carry out those wishes. Today, total costs for funeral
expenses and final arrangements can be as high as $12,000 or more depending on Individual choices and desires.
Speaking as a “Boomer” myself, my experience and observations have
shown me that many of my peers and clients have struggled with this dilemma and are faced with the realization that they are not prepared to have
their final wishes handled the way they desire. Many of these individuals and
families have been protected in the past, but may have lost their coverage
due to job changes, cut-backs in company benefit plans or due to policy
lapses during weak economic times. Some were forced out of necessity to
“cash-out” permanent life policies that had accumulated cash values within
the policy only to have them eventually lapse. Many have just never gotten
around to replacing their coverage. So, what is a solution for this dilemma?
What’s a Final Expense Policy?
A Final Expense policy is simply a life insurance policy generally
designed to help families handle all the expenses they will be responsible
for in handling their loved one’s wishes when they die. They are generally
permanent policies that do not expire as opposed to Term insurance plans
that are temporary and expire at a specific age or length of time. Most
companies offer these plans to individuals in the 50-85 age bracket. The
death benefit is paid directly to the beneficiary the insured selects, tax
free. Policy face amounts can range anywhere from $1000 to $40,000 or
more depending on the life insurance carrier. Rates are usually based on
age, gender, whether you use tobacco or not, and your health history. With
funeral costs averaging $10,000 or higher, it’s important that families are
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by the comprehensive stroke center
aware of what their loved one’s wishes are regarding final arrangements
so they can select the correct death benefit.
Symptoms of a Stroke
Buyer Beware—Are all Final Expense Policies the same?
Most companies that write this type of life insurance coverage offer
some form of permanent plan that will be guaranteed renewable for your
lifetime---you can’t out live it. Generally, this is a whole life policy as
opposed to a form of term insurance which has a life span of its’ own.
The last thing you need to find out is that you have just “out-lived” your
term insurance and may not be eligible for a new policy.
There are companies offering policies with no health questions asked and
no medical exams or blood and urine testing required. You may have seen
TV commercials or received offers in the mail advertising these plans. Be
careful, these guaranteed issue (you can’t be turned down) plans are usually
more costly because the insurer is accepting risks with no questions asked
and must charge a higher rate to everyone in order cover their risks. You
may be better off purchasing a policy where you are being asked about your
health history. Some companies will offer you plan options based on your
answers to health history questions. Three possible plan solutions could be:
1. A standard Whole Life Policy with a level death benefit from the
first day of coverage
2. A Graded Policy which may pay a reduced death benefit during
the first few years of coverage then increasing to the full amount
after that time has elapsed.
3. A Modified Whole Life Policy that would pay a death benefit of
only the amount of premiums paid on the policy plus compounded
interest during the first few years of coverage then the full amount
after that time has elapsed.
Most plans would pay the full face amount of the policy if death during
the early years was due to an accident. Consider your options in making
these important decisions regarding your final expense life insurance.
As Seniors/Boomers we do have choices regarding how we want to
protect our loved ones and ourselves when it comes to handling our final
expense wishes. I think our generation has adopted an attitude that we are
not going anywhere any time soon. So much for wishful thinking! Take
the time to plan for it before it’s too late and our loved ones are burdened
with the responsibility.
Editorial by Bruce B. Barrett.
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Health
S
troke is a medical emergency. The Comprehensive
Stroke Center at Saint Barnabas
Medical Center reminds people that
knowing the symptoms of a stroke
and acting quickly can make the
difference between life and death,
for you or someone you know.
“Stroke symptoms may often be
minimized and possibly reversed if treatment is delivered early,” says
Doreen Monks, R.N., MSN, Advanced Practice Nurse and Program
Coordinator of The Comprehensive Stroke Center at Saint Barnabas
Medical Center. “Studies have shown that clot-busting drugs(tPA)
delivered within the first three hours may be effective in limiting the
debilitating effects of stroke, patients must recognize the warning signs
and call 911 immediately.”
For those who suspect someone is having stroke, Ms. Monks advises
they just remember the word “FAST.” Each one of the letters stands for
a word which you can use to uncover a symptom of stroke.
F = Facial weakness; ask the person to smile to test for facial
weakness
A =Arm weakness; ask the person to hold their arms straight out in
front of them to see if one drifts
S =Speech disturbance; ask the person to say a simple sentence
(the cow jumped over the moon) to see if they are able to understand and repeat it
T =Time to call 911
Almost half of all stroke patients arrive at the emergency room by
their own means. Ms. Monks strongly advises against it. “If you or
someone near you is exhibiting any sign of stroke, call 911. Transport
by an ambulance is best for getting to the Emergency Department,” she
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said. “Doing so allows emergency medical personnel the proper time to
mobilize resources such as a CT scan and the stroke team ahead of the
patient’s arrival.”
Ms Monks cautions that stroke does not discriminate, and although
some people are at higher risk than others due to lifestyle and family
history, anyone can have a stroke. Treatable risk factors include: hypertension, diabetes, high cholesterol and heart problems.
People often wait to see if their symptoms will go away and unwittingly put themselves in greater danger. Symptoms that last for only a few
minutes and then subside may indicate a transient ischemic attack or TIA.
“A TIA or ‘mini-stroke’ is a serious medical event and requires treatment; it is also a potential warning sign of more dangerous stroke in the
future. Seeking medical care during a TIA may help physicians prevent
future stroke,” says Ms Monks.
If you think you or a person with you is having a stroke DON’T WAIT,
call 911 immediately.
Editorial provided by The Comprehensive Stroke Center at Saint Barnabas
Medical Center.
by Linda S. Ershow-Levenberg
T
Elder Law
Life Care Planning
Should Be All About You
he longer we live, the higher the risk of catastrophic illness and
expense. What can you do to prevent the chaos, which so often
occurs when a person becomes severely, irremediably disabled? You can
do what I call Disability Planning. Careful planning is like having fire
insurance on your home – you wouldn’t dream of not keeping up that
policy, even though, in your entire lifetime, you probably won’t ever put
in a single claim.
Keep these eight key principles in mind:
1. Careful planning can avert a crisis
2. Failure to plan will result in a crisis if catastrophic illness and disability occur
3. The risk of catastrophic illness and disability is real
4. The strategy that worked for someone else probably won’t work
for you
5. You must organize and consolidate your financial affairs now, to
make it easier to manage later.
6. Legal documents which prepare a proper disability and estate
plan, and which designate your surrogate decision-makers, must
be signed while you are still of sound mind. Waiting until the
catastrophe occurs may mean that those documents can’t be made
for you, and your wishes may not be carried out.
7. Trusts are not just for aristocrats – they are crucial tools for asset
protection for people with disabilities.
8. The five-year look-back for Medicaid eligibility means you may
need to start planning for the future sooner that you thought.
Time and again, when an elder becomes frail and dependent, the
family breaks apart arguing over who’s in charge of residential, financial and medical decisions. You simply cannot assume that they
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will all agree on where you should live, how your assets should be
managed, or the appropriate course of treatment if you are at a stage
of advanced incapacity. Your physicians may be seeking guidance
regarding your wishes. One child may want you to stay near him,
while another may not want you to sell your house, and yet you may
find your home becoming a burden and might picture yourself in an
assisted living environment. These problems are particularly likely to
occur if you didn’t create a plan and explain your wishes to everyone
involved. Families that seemed to be congenial have split apart when
the truly difficult decisions need to be made on the parents’ behalf.
The result can be protracted and distressing litigation such as contested
guardianships. So you need your own elder law advisor who can craft
a plan that specially suits your wishes.
Do you have a family member with disabilities? Consider creating a special needs trust to preserve assets for them and protect
their eligibility for benefits like Medicaid or SSI. Is your spouse
suffering with a debilitating condition that will result in need of
long-term care? Begin planning early, consolidate your assets into
a manageable arrangement, and get advice on what strategies will
be the best ones for you. Are you suddenly facing a need to place
a loved one in a nursing home? The Medicaid application process
can be dense and complex, but legal help is available to enable you
to make best advantage of federal and state laws. Is it apparent that
long-term care will probably be needed within 5 to 7 years, due to
current health problems? Perhaps a 5-year asset protection plan is
the wise course to take.
Does your Will actually match up with your beneficiary designations?
The Will might leave the estate to all children equally, but if certain children’s names are placed on your assets, the result may not match the Will.
Do you have a Power of Attorney or Living Will for Health Care? These
need to be signed while you are still able to do so, voluntarily and free
of undue influence. You may want to explain your decisions to children
who are not listed as primary decision-makers.
Life care planning should be all about you. By taking charge of the
planning and decision-making when you are feeling well, you can assure
greater peace of mind and protection for your future.
by Gregory L. Daniel
Financial Scrambled Eggs
Y
ou’ve done a great job creating your retirement nest egg… but
now that you need to begin pulling money out, how much can
you take without fear of running out of money? Until recently, most
advisors had a good answer for you. That is until the economic turmoil
of the last decade. Now that answer has become a lot more complicated.
Many advisors used to say it was safe to pull out 4% of your portfolio
a year without fear of running out of money. But here’s what happened
in the last decade.
The beginning or the end?
If you began with a stock portfolio of $500,000 invested in the S&P
500 in the year 2000, and withdrew $40,000 a year… you would have
run out of money by the year 2010. That’s because the beginning of the
decade started with 3 straight years of losses and then you would have
been hit again later in the decade with more losses.
What if you flipped the yearly S&P 500 returns so the losses occurred
at the end instead of the beginning and you took the same $40,000/yr
withdrawals (impossible I know but it will illustrate how the same exact
returns arriving in a different order can really give you different results).
If you’d been able to magically flip the returns, you would have ended
the decade with $130,454. Not great when you started out with $500,000,
but certainly better than being completely out of money in the scenario
that actually occurred.
So what should you do? What with the economic volatility and low
CD and bond interest rates, how much can you safely pull out?
There is a whole new industry out there catering to these worries like
reverse mortgages, life-time payout annuities and such, but each of these
too, have their advantages and drawbacks.
So what should you do?
Editorial provided by Linda S. Ershow-Levenberg, Esq., Certified Elder Law
Attorney whose Firm is dedicated to serving the legal needs of the elderly and
people of all ages with disabilities.
2…4…6… but not 8
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Finance
There are 4 different approaches you can take:
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by Sharon Bregman
Take out 2%: 2% would be a very safe retirement withdrawal rate.
The question is…is your portfolio big enough that withdrawing
just 2% will give you the income you need? If it is, you have your
answer… if not, keep reading.
Take out 4%: It used to be the magic number but as we’ve seen in
the last 10 years it can fail.
Take our 6%: What! If 4% might fail, how could taking 6% possibly
work? It’s just that, it could possibly work. T. Rowe Price found a
65 year-old with 40 to 60 percent in stocks and the rest in bonds has
a 75% chance of making it to age 85*. Do you feel lucky?
Take out a yearly amount adjustment for inflation—I know we all like
certainty, but as we’ve learned over the past 10 years… economic certainty
probably isn’t in the cards. So what if instead of having a number fixed
in stone, you instead adjusted your return based on what has happened
over the past year and your current needs.
Not the perfect answer but one that could possibly give you both
piece of mind and the lifestyle you dreamed you’d have all those years
you worked so hard to put your nest egg together. You simply work with
your advisor each year to pull out more when you can and less when you
can’t. And keep in mind, the changes don’t have to be drastic. Even dialing back withdrawals by a percent or two in down years can add years to
how long your money will last.
Editorial provided by Gregory L. Daniel, CFPR, CRPCR CSAR, Daniel Financial
Management Group, LLC.
Finance
Organizing Important
Financial Documents
1 File/6 Lists
A
side from preparing a will, a living will, a health proxy and
a durable power of attorney, it is critical to compile a guide
to your finances, documents, other important valuables and papers for
your heirs. All it takes are 6 lists in 1 key folder. This folder should be
in your home or with someone you trust. It should be someplace that
is easy to find and it should be clearly marked. If you lock the folder
in a safe or a safety deposit box, your heirs may not find it in a timely
manner. Someone you trust should know where it is and must be able
to access it quickly.
These lists are critical in the event you become incapable of taking
care of yourself, or if you have passed away.
Here is a brief summary of what is important:
1) Your Financial Accounts
Prepare a list of all bank accounts, brokerage/investment accounts and
credit/debit cards. This list should include account numbers, names and
addresses of institutions, contact person and phone number, pass word
if any and the location of a key if you have a safety deposit box. Your
heirs may need your most current statements so indicate where you file
these in your home.
2) Your Professionals
Prepare a list of everyone who has been involved in preparing important documents such as your accountant, attorney, financial advisor,
and insurance brokers (home, auto, life, long term care). This list should
include the function of each person, contact information and where in
your home you file your documents.
3) Your Recurring Bills
Prepare a list of all bills that come in on a regular basis. You may
want to look back through your check register for a 12 month period
to make sure that you have included everything. These bills can be
monthly such as loans, mortgage payments, telephone and electric;
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quarterly such as some insurance premiums; or annually
such as home alarm premiums
and your heirs need this list to
continue certain payments in
order to avoid penalties or to
cancel services.
4) Your Sources of Money
Prepare a list off sources
of income that you receive or
that your heirs will receive
after your death. This list
should include items such
as annuities, social security,
pensions, annual distributions
from retirement accounts*, VA
benefits, any loans you have
made to anyone, as well as
disability, long term care and
life insurance policies. In all cases include where you have filed these
documents, and all contact information etc.
*It is important, if you are incapable of taking care of yourself or in
the year of your death, that minimum annual withdrawals from retirement
accounts be made to avoid needless penalties.
5) Important Documents and Hidden Valuables
(some of these have been mentioned above)
Prepare a list of important documents and note where you keep them.
These documents include items such as automobile ownership papers or
lease agreements, home ownership papers (deeds and titles) and mortgage
documents for any and all real estate holdings, any loans given by you
or owing by you, wills, living wills, health proxies, tax returns, brokerage statements, insurance policies (home, auto, health, long term care,
life), passports, birth certificates, original invoices or other paperwork
showing provenance for any important works of art you own, partnership documents and other investments that you may have outside of a
traditional investment portfolio, marriage and divorce papers, cemetery
plot ownership papers and preplanned burial papers if any. Some people
plan for their deaths and have a vision of their burial services but neglect
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to leave a written detail. If you have made such preparation, do not forget
to include this in the list of important documents. If you have a coin collection or jewelry, note where you keep it. And, if you have a safe, leave
the combination number and directions.
6) Computerized Information
Prepare a list of all of your email accounts and their passwords as
well as the password for your computer if it is password protected. If
you can, include any services which have online billing and automatic
payments such as cloud computer storage, etc. This list will give your
heirs rapid access to your contacts for notification purposes as well
as a way to access any online recurring charges for services you may
have forgotten.
If you decide to prepare all of the above lists on your computer, be sure
to print out copies and place them in a file. After all, if your computer is
password protected no one will be able to access the information.
I empty estates for executors and have found many of the items
listed above because the heirs had no idea where important papers and
valuables were stored or hidden. We tend to misplace and/or forget
that we own items not frequently used. A file with the above information is essential in assisting your spouse or family members in the
event you become incapacitated or pass away. The government has
lists of assets that remain unclaimed. Even if you discover that your
family has unclaimed assets, recovering them are extremely difficult.
Preparation, as time consuming as you think it might be, is by far the
easier road to take.
Editorial by Sharon Bregman, Managing Member, 360déménager LLC.
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Health
by Thomas Vincz
When it Comes to Medicare,
Choices Abound
I
t‘s said that the more things change, the more they stay the same.
Anyone who follows health care policy knows that programs and
plans are almost always in a state of flux. Change can be complicated
but with the right guidance and information in your hands, it can also
be good. And if you have Medicare or are Medicare-eligible, now is
the time to take a good look at medical coverage that is right for you
and within your budget.
Medicare’s annual enrollment period is here. It commenced on
October 15 and runs until December 7, so seniors are carefully weighing options and information during this very important window of opportunity to make a change. Seniors and others on Medicare have the
option to change their health plan or move from traditional Medicare
to a Medicare Advantage plan. They can also choose to move back to
traditional Medicare. The coverage under this new enrollment period
becomes effective on January 1, 2012.
Medicare is the federally supported health coverage plan that assists
seniors 65 and older and the disabled pay for care. The program features
two principal components -- One for hospital coverage (Part A) and the
other for medical coverage (Part B), and two other parts that offer flexibility and prescription drugs -- Part C and Part D.
Part C represents Medicare Advantage (MA). This part combines
both hospital (A) and medical (B) coverage, and can incorporate
Part D, which is a prescription plan. One of the main advantages to
the MA plan over the standard Medicare Program is that Medicare
Advantage Prescription Drug plans (MAPDs) already include a
prescription benefit whereas Medicare beneficiaries are required to
subscribe to a separate, stand-alone Part D plan and, in many cases,
pay a separate premium. This premium would be required only when
enrolling in Part D.
So, there are many different products for seniors to think about before
making a decision, as well as new features to those products.
If you’re reading this article, you may feel comfortable with your
coverage and content to make no changes. You have that option. You
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don’t have to do anything if you want to stay right where you are with
your coverage.
That said, it still would make sense to take a look at your options
and to make sure that the coverage you enjoy now is still available
and in effect for next year. For example, take a look to make sure your
physicians and prescription drugs are still in your plan. Is the formulary
still right for you? Does the network of physicians and specialists meet
your needs? As you review all the options, are you aware of how drug
quality limits, name brand drugs, and the “donut hole” can influence
your out of pocket costs?
Many of the Medicare changes for next year are the result of the new
federal healthcare reform law, the Affordable Care Act (ACA). The good
news is that the new law has made many preventative services and procedures free of charge. Under the new law, some drug options are more
affordable, too. These changes are part of the benefit options in Medicare
Advantage plans.
The variety of Medicare options present many choices that should be
compared side by side to ensure that your decisions make the most sense
for your budget.
The official Medicare web site offers a comprehensive, step by step
resource of information to help you weigh options and find answers to
many of your health coverage questions: http://www.medicare.gov/openenrollment/index.html.
We extend wishes of good luck and good health to all during this
enrollment period and throughout the year!
Editorial provided by Thomas Vincz. Thomas is Public Relations Manager for
Horizon Blue Cross Blue Shield of New Jersey. Whether you are approaching
Medicare eligibility, are already Medicare-eligible or just have questions
regarding your healthcare coverage options, plan and enrollment information is
available http://www.horizon-bcbsnj.com/ProspectSite/medicare. For fast service
or for an in-home consultation, we can be reached at 1-888-722-2524, Monday
through Sunday, 8:00 – 8:00 p.m. (ET). TTY/TTD users can call 800-852-7899.
24
Finance
by Real Estate Mortgage Network, Inc.
Reverse Mortgages
and Financial Freedom For Seniors
F
or those seniors who own their homes, a reverse mortgage
could be the perfect solution to their financial needs later in life.
In essence, a reverse mortgage is exactly what it sounds like, a mortgage
where the lender actually pays you. A reverse mortgage gives you access
to your home’s equity, supplying an extra financial stream for you to use
as you see fit. Unlike some other types of home loans, reverse mortgages
do not have restrictions on what they can be used for. “Having worked
with this program on behalf of seniors for the better part of two decades, I
have seen firsthand the benefits and quality of life improvements reverse
mortgage can bring. This program has helped countless seniors in many
different financial situations and continues to be a viable option worthy of
consideration,” stated Len Ricci is Vice President of the Reverse Mortgage
Division for Real Estate Mortgage Network.
How you access the money that comes from a reverse mortgage is up to
your discretion as well. You can decide to take it in one lump sum, as a line
of credit to pull from whenever you need it, through regular monthly withdrawals or in a combination of ways. Another benefit of a reverse mortgage is
that you do not give up the title to your home and cannot be forced to vacate
the property as long as you continue to pay your home’s property taxes and
insurance, two items a reverse mortgage can be used to pay for as well. In
addition, a reverse mortgage will not affect your Social Security benefits.
Reverse mortgages aren’t for everyone though. First, you need to be at least 62
years old to qualify.Also, the property you’re considering a putting a reverse mortgage
on has to be your primary residence, it cannot be a vacation home, rental property, etc.
While you don’t have to own your home outright, you will need to have a relatively low
mortgage balance that can be paid off eventually by the money you receive from the
reverse mortgage, if necessary. You should also make sure to consult a tax advisor to
check on how a reverse mortgage may affect other benefits you are currently receiving.
If you find yourself needing a cash infusion, either short term or long,
why not consider a reverse mortgage? It could be your ticket to financial
freedom in your senior years.
Editorial by Real Estate Mortgage Network, Inc. (REMN), an independent lender
with offices across the country. REMN has been in business for more than 20 years.
26
Boomers
Resource Guide
Social Connectedness
The Key to Longevity and Well-Being
H
Exercise
Not only is exercise vital in fall prevention, it is an amazing way to meet
other people. Many organizations offer
exercise classes for older adults.
Get a Pet
Pets can offer unconditional love
and companionship. It can also provide
opportunities to meet others. It’s amazing how many people talk to you when
you are out and about with a dog!
Consider Various Housing Options
Even if you are comfortable in your
home, you may be geographically iso-
Keep a Positive Attitude
Sure it can be intimidating to
meet new people, but what do
you have to lose? Staying positive
serves as a motivator to explore new
social avenues.
People who remain active and
connected in their community are
generally happier and healthier. Consider joining a new group, exercise
class, lecture, or volunteer program
today. You have nothing to lose and
everything to gain!
Editorial provided by Julie Reich, MSW,
LSW, Director of Special Programs at
SAGE Eldercare.
Sure it can be intimidating to
meet new people but what
do you have to lose? Staying
positive serves as a motivator to
explore new social avenues.
Here are some suggestions to
help reduce loneliness and
feeling of isolation:
Get Involved in Your Community
There are a number of civic and
volunteer opportunities available. When
you are working with people with similar
interests and commitments, it is likely
that you will make connections
Learn Something New
Take a course in something that
interests you. Chances are you will
meet like-minded people. Various
universities, hospitals and community
w w w.BoomersResourceGuide.com
Boomers Resource Guide • 2011
29
Boomers
28
be isolated as they age? Of course
not! It is just that the more active
and engaged that you are, the easier
various life transitions (such as retirement) can be. You can actually take
steps to become less isolated. Studies have shown that people do adjust
and find new ways to make friends.
The key is to expand your criteria
for defining friendships and begin to
sustain friendships in different ways.
For example, it might not be possible
to sustain face-to-face contact with a
friend, but communications through
letters, email and phone calls can work
to sustain closeness.
lated from others. It might make sense
to consider a different kind of arrangement where there are opportunities to
meet and socialize with others.
Resource Guide.com
ealthy aging is linked to
meaningful activity and a
sense of belonging. The less involved
someone is, the more at risk he or
she is for being socially isolated or
feeling disconnected from the community. Social isolation can negatively impact the quality of a person’s
life. Studies have shown that older
persons who have close connections
and relationships not only live longer
but also cope better with health conditions such as heart problems, and
experience less depression and anxiety. In a recent study by the Center for
Cognitive and Social Neuroscience at
the University of Chicago, researchers found that lonely people have
blood pressure readings that are as
much as 30 points higher than nonlonely people.
As we age, there are a number of
life transitions that can impact upon
social and community networks.
This isolation can happen either
gradually or suddenly depending
on life circumstances. Changes in
health and mobility, changes in work
status and income, and changes
in living arrangements are just a
few examples. Loss of family and
friends, particularly a spouse, can
also significantly impact on feelings
of isolation. In addition, seniors can
unexpectedly become the primary
care givers for their loved ones and
feel shut out from the rest of the
world. Transportation is also linked to
social connectedness. When driving
is no longer an option, isolation becomes a significant factor, especially
in communities where there is a lack
of access to transportation.
Does this mean that everyone will
agencies offer a variety of lectures and
workshops. If you are homebound,
consider taking a “class without walls”
where you join a group of other homebound seniors for lecture and discussion through teleconferencing.
Boomers
Resource Guide
by Alzheimer’s Association
Early-Stage Alzheimer’s Disease
A
• Education and support
• Assessment of needs
Joining an early-stage support
group with individuals who are having
similar experiences may be beneficial
as well.
If you have concerns about changes in memory, thinking and behavior,
consult a physician. Some dementialike symptoms can be reversed if
caused by other conditions such as
depression, drug interaction, thyroid
problems, or certain vitamin deficiencies. The advantage of an early
diagnosis is that the individual and
his/her family have time to make plans
for the future, therefore optimizing
quality of life.
• Assistance with developing a care
plan
Editorial provided by the Alzheimer’s
Association, Greater New Jersey Chapter.
After disclosing the diagnosis to
loved ones and individuals that are
trusted, one should be prepared for the
potential impact on careers and/or finances and personal relationships with
family, spouses and friends. Consider
contacting the Alzheimer’s Association
for support. The Association offers educational opportunities through community programs and individualized care
consultations, which can be a valuable
tool in managing care and making more
informed decisions regarding services
and treatments. Care consultations
may include any of the following:
• Information about resources
• Complete a durable power of attorney for healthcare and finance, so
that the family is aware of individual
wishes as the disease progresses.
• Understand that feelings of confusion and sadness are normal
• Find caring people who will listen
• Try to structure the day with as
many pleasant activities as pos
sible (including continuation of
work and hobbies)
• Allow others to help
31
Boomers
30
At this point in the progression of the
disease, individuals are usually aware
of the behavioral changes they have
been exhibiting and their inability to
remember recent events, and they
are still able to participate in simple
daily routines and communicate with
others. This is the time when issues
related to future planning – treatment
options, housing preferences, and
financial and legal issues – should be
considered. Here some specific things
one can do after a diagnosis of earlystage Alzheimer’s disease:
• Problem-solving
Resource Guide.com
lzheimer’s disease is a progressive neurological disease
that destroys brain cells, causing
problems with memory, thinking and
behavior severe enough to affect
work, lifelong hobbies or social life. It
is the leading cause of dementia, and
over 5.3 million Americans have been
diagnosed. Currently, there is no cure
for Alzheimer’s disease, but new treatments for symptoms, combined with
appropriate services and support, can
enhance the lives of individuals living
with the disease. In addition, there
is an accelerating worldwide effort
underway to find better ways to treat
the disease, delay its onset, and even
prevent it from developing. Meanwhile,
experts have documented certain
patterns of symptom progression in
individuals with Alzheimer’s disease
and have developed several methods
of “staging” based on these patterns.
It is important to note, however, that
Alzheimer’s disease advances at
widely varied rates; not everyone will
experience every symptom and symptoms might occur at different times in
different individuals.
The series of symptoms generally
associated with the beginning stage
of Alzheimer’s disease is called earlystage. At the time of a diagnosis, an
individual is not necessarily in the
early stage of the disease; he or she
may have already progressed and
be experiencing other symptoms.
Individuals who have early-stage
Alzheimer’s disease may experience
confusion and memory loss, disorientation to time and place, changes in
personal judgment, loss of initiative,
and problems with abstract thinking.
• As a precautionary measure, register in MedicAlert + Alzheimer’s
Association Safe Return
Boomers
Resource Guide
by Maureen McCormick
Volunteer Center Provides
Opportunity and Help
“It is one of the most beautiful compensations of life that no man can sincerely try to help another without helping
himself”—Ralph Waldo Emerson.
Editorial by Maureen McCormick,
Marketing Manager for the Volunteer
Center of Bergen County.
Boomers
32
Wiederecht, RSVP Director. “So too,
by joining our RSVP Program, you are
responding to the needs of the community, that you are willing to help bring
about vital changes that make Bergen
County a better place to live.”
The Volunteer Center also sponsors the Chore Volunteer Handyman
Service, established in 1977 to fill a
growing need of home repair services
for elderly and disabled persons in
Bergen County. Chore is a free service; clients pay only for the materials used to complete the repair. The
primary goal of Chore is to help older
homeowners age 60 and over, and
physically disabled homeowners age
18 and above, remain safe in their
own homes.
Chore currently has 45 volunteer
handymen and women, most retirees
themselves, who travel throughout
Bergen County, performing such
things as installing smoke and carbon monoxide detectors, fixing leaky
faucets, weatherizing doors and
windows, fixing door locks, repairing
broken windows and minor electrical
work. The Chore Service volunteers
also install grab bars and interior rail-
Chore provides meaningful opportunity for retired people to work on
a volunteer basis, fulfilling a need for
those wishing to help others and give
back to the community.
Resource Guide.com
The Volunteer Center of Bergen
County sponsors the local chapter of
RSVP, America’s largest volunteer
network for people over 55, established
by the Corporation for National Community Service.
Americans over 55 have a lifetime
of experience to share, and the desire
to make a real difference in the world.
They’ve managed households, been
business owners, salespeople, artists
and executives. Now they are ready to
put their unique talents and expertise to
work in their communities, and enrich
their own lives in the process.
Whether retired, semi-retired or still
in the workforce, volunteers with the
Volunteer Center’s RSVP Program can
choose the amount of time they want to
give, and whether they want to draw on
their own skills, or develop new ones
as they support projects and organizations that make a real difference in
meeting important community needs.
Volunteer jobs at over 42 local agencies
are carefully screened to assure that
the volunteers get the most out of their
experiences. With RSVP, volunteers
receive pre-service orientation, training from the organization where they
will serve, and supplemental insurance
while on duty. Mileage reimbursement
is offered for travel to and from the
agency location.
“When we ‘RSVP’ to an invitation
for an event or a party, we are responding that we would like to be a part of
that particular activity,” says Barbara
Volunteers with the Volunteer
Center’s RSVP Program can
choose the amount of time they
want to give, and whether they
want to draw on their own skills,
or develop new ones as they support projects and organizations
that make a real difference.
ings, items that are often essential for
individuals recovering from illnesses
and accidents and those faced with
frailty associated with aging. The
installation of these safety items is
also available for renters, with their
landlord’s permission.
The Chore Service addresses
the needs of the senior and disabled
population in several ways. We honor
a person’s need to be independent,
while remaining safe in his/her own
home. Chore addresses the fact that
the price for repair service often greatly
exceeds the fixed income of our client
population. Chore performs the tasks
that senior and disabled persons can
neither do for themselves, nor often,
find anyone else to do for them—even
to changing a light bulb! Additionally,
Chore volunteers provide a link to the
outside world to many clients who are
isolated or homebound.
33
arts / entertainment
Museums & Historical Sites
Abraham Clark Memorial House....................................... 908-245-1777
Afro-American Historical Society Museum ..................... 201-547-5262
Aviation Hall of Fame and Museum of New Jersey ......... 201-288-6345
Belcher-Ogden Mansion ................................................... 908-351-2500
Boxwood Hall State Historic Site ..................................... 908-282-7617
Caldwell Parsonage ........................................................... 908-964-9047
Campbell-Christie House .................................................. 201-343-9492
Camp Merritt Memorial County Historic Site .................. 201-336-7274
Cannonball House ............................................................. 973-912-4464
Carter House . .................................................................... 908-277-1747
Crane-Phillips House . ....................................................... 908-276-0082
Cranford Historical Society Museum . .............................. 908-276-0082
Deacon Andrew Hetfield House ........................................ 908-232-8608
Drake House Museum ....................................................... 908-755-5831
Easton Tower County Historic Site.................................... 201-336-7274
Edison National Historic Site ............................................ 973-736-0550
Evergreen House ............................................................... 973-783-1717
Fort Lee Historic Park ....................................................... 201-461-1776
Garretson Farm County Historic Site . .............................. 201-646-2780
Grover Cleveland Birthplace . ........................................... 973-226-0001
The Hermitage . ................................................................. 201-445-8311
Hillside Historic Society Museum .................................... 908-352-9270
Historic New Bridge Landing Park ................................... 201-487-1739
Hoboken Historical Museum ............................................ 201-656-2240
Hudson County Court House National Historic Site ........ 201-459-2070
Israel Crane House Museum ............................................. 973-783-1717
Jersey City Museum .......................................................... 201-413-0303
Kearny Museum ................................................................ 201-997-6911
Liberty Hall Museum ........................................................ 908-527-0400
Littell-Lord Farmhouse Museum ...................................... 908-771-8875
Meadowlands Museum ..................................................... 201-935-1175
Miller Cory House Museum . ............................................ 908-232-1776
New Jersey Historical Society . ......................................... 973-596-8500
New Jersey Naval Museum . ............................................. 201-342-3268
Old Stone House Museum . ............................................... 201-825-1126
Osborn-Cannonball House Museum ................................. 908-889-4137
Roselle Park Museum . ...................................................... 908-245-0400
34
Steuben House . ................................................................. 201-487-1739
Woodruff House/Eaton Store Museum ............................. 908-352-9270
Northeast New Jersey Attractions
Avis Campbell Gardens . ................................................... 973-746-9614
Bergen County Zoological Park ........................................ 201-262-3771
Binghamton Ferryboat . ..................................................... 201-941-2300
Brookdale Park Rose Garden ............................................ 973-268-3500
Cora Hartshorn Arboretum and Bird Sanctuary ................ 973-379-3587
Davis Johnson Memorial Park .......................................... 201-569-7275
Dreyfuss Planetarium at the Newark Museum . ................ 973-596-6529
Flat Rock Brook Nature Center . ....................................... 201-567-1265
Lorrimer Sanctuary ........................................................... 201-891-2185
Meadowlands Environment Center ................................... 201-460-8300
Meadowlands Exposition Center, Harmon Meadow ........ 201-330-7773
Presby Memorial Iris Gardens . ......................................... 973-783-5974
Reeves-Reed Arboretum ................................................... 908-273-8787
Spirit of New Jersey, Port Imperial Marina . ..................... 212-727-7735
Sports World Family Entertainment Center ...................... 201-262-1717
Trailside Nature and Science Center ................................. 908-789-3670
Turtle Back Zoo . ............................................................... 973-731-5800
Wall Bridge Rose Garden, Taylor Park ............................. 973-564-7058
Washington Spring Garden ............................................... 201-336-7274
Regional Trips
American Labor Museum/Botto House Nat’l Landmark . ...973-595-7953
American Repertory Ballet Company ............................... 732-249-1254
Barron Arts Center ............................................................ 732-634-0413
Cornelius Low House/Middlesex County Museum .......... 732-745-4177
Dey Mansion ..................................................................... 973-696-1776
East Brunswick Museum . ................................................. 732-257-1508
East Jersey Olde Towne Village ........................................ 732-745-3030
Hamilton House Museum . ................................................ 973-744-5707
Immigration Museum at Ellis Island ................................. 212-363-3200
Kearny Cottage . ................................................................ 732-826-1826
Lambert Castle Museum ................................................... 973-247-0085
Mason Gross Performing Arts Center ............................... 732-932-7511
New Jersey Museum of Agriculture . ................................ 732-249-2077
NJ State Botanical Gardens at Skylands Manor . .............. 973-962-9534
35
Paterson Museum .............................................................. 973-881-3874
Proprietary House/The Royal Governor’s Mansion . ........ 732-826-5527
Ringwood Manor . ............................................................. 973-962-7031
Shoestring Players ............................................................. 732-932-9772
State Theatre . .................................................................... 877-782-8311
Van Riper-Hopper Museum .............................................. 973-694-7192
Cultural Attractions
12 Miles West Theatre Company ...................................... 973-746-7181
Bergen Museum of Art and Science . ................................ 201-291-8848
City Without Walls Gallery ............................................... 973-622-1188
Gallery Presbyterian Church at Franklin Lakes ................ 201-891-0511
George Street Playhouse ................................................... 732-246-7717
Hiram Blauvelt Art Museum ............................................. 201-261-0012
John Harms Center for the Arts . ....................................... 201-567-3600
Kean University, Wilkens Theater . ................................... 908-527-2337
Livingston Symphony Orchestra . ..................................... 973-992-7591
Luna Stage . ....................................................................... 973-744-3309
Montclair Art Museum ...................................................... 973-746-5555
NJ Ballet Company ........................................................... 973-597-9600
NJ Center for Visual Arts .................................................. 908-273-9121
NJ Chamber Music Society . ............................................. 973-746-6068
NJ Performing Arts Center...........................................1-888-GO NJPAC
NJ Pop Orchestra . ............................................................. 973-992-7191
NJ State Opera . ................................................................. 973-623-5757
NJ Symphony Orchestra . .................................................. 973-624-3713
NJ City University, Margaret Williams Theater . .............. 201-200-3441
Newark Museum ............................................................... 973-596-6550
Newark Symphony Hall .................................................... 973-643-4550
Plainfield Symphony Inc. .................................................. 908-561-5140
Paper Mill Playhouse: The State Theatre of New Jersey .....973-376-4343
Park Performing Arts Center ............................................. 201-865-6980
Polish Cultural Foundation . .............................................. 732-382-7197
Shakespeare Theatre of New Jersey .................................. 973-408-3807
Summit Playhouse . ........................................................... 908-273-2192
Theatrefest at Montclair State University ......................... 973-655-5112
Union County Arts Center . ............................................... 732-499-8226
Westfield Symphony Orchestra ......................................... 908-232-9400
36
agencies on aging
Bergen County Division of Senior Services . ................. 201-336-7418
Essex County Division on Aging .................................... 973-395-8375
Hudson County Office on Aging .................................... 201-271-4320
Union County Division on Aging ................................... 888-280-8226
New Jersey Department of Health
and Senior Services.......................................................... 800-367-6543
alzheimer’s disease
Alzheimer’s Association of Greater New Jersey............ 973-586-4300
Offers the following services: family support group network, educational
materials, training and consultation, and a telephone help line to provide
information about community resources.
bus tours
megabus.com
See page 2
Toll Free: 1-877-GO2-MEGA (1-877-462-6342)
Safe, convenient, and affordable travel. Offering service between Secaucus and many other cities. Visit www.megabus.com for a list of cities.
American Cancer Society
cancer
Metro NJ Region - Elizabeth . ..................................................... 908-354-7373
Northern NJ Region .................................................................... 201-343-2222
Metro NJ Region - West Orange ................................................ 973-736-7770
Essex County Cancer Coalition................................................... 973-972-4623
National Cancer Institute . ............................................ 800-422-6237
dental
Dental Care Program ...................................................... 908-964-7555
Dental Services – Hygiene . ............................................. 908-889-2411
New Jersey Dental Association . ..................................... 732-821-9400
New Jersey State Board of Dentistry . ........................... 973-504-6405
37
depression / mental illness
American Association of Retired Persons (AARP)....... 202-434-2260
American Association for Geriatric Psychiatry . .......... 301-654-7850
financial
Consumer Credit Counseling Services .......................... 888-379-0604
Financial Planning Association of New Jersey............... 877-773-7265
Internal Revenue Service - Federal Building ................. 800-829-1040
diabetes
American Diabetes Association ...............................1-888-DIABETES
The nation’s leading nonprofit health organization providing diabetes
research, information and advocacy.
National Eldercare Institute on Elder Abuse
and State Long Term Care Ombudsman Services elder abuse
202-898-2578
employment / volunteerism
Alzheimer’s Association of Greater New Jersey . ..... 1-800-883-1180
The American Red Cross  ............................................... 973-575-0880
Foster Grandparent Program
Statewide .....................................................................................908-968-5531
Essex County . ............................................................. 973-623-5959, Ext. 218
Goodwill Industries .........................................................718-728-5400
League of Women Voters ................................................609-394-3303
Meals on Wheels
Bergen County ............................................................................201-336-7400
Essex County . .............................................................................201-673-4860
Hudson County ...........................................................................201-656-6001
Union County ..............................................................................201-527-4865
The Volunteer Center of Bergen County . .....................201-489-9454
eye care
Bergen County ............................................................................ 201-634-7052
Essex County . ............................................................................. 973-808-0821
Hudson County ........................................................................... 201-332-9110
New Jersey State Funeral Directors Association............732-974-9444
Mortgage Foreclosure Assistance . ................................. 800-342-2397
Social Security Administration ...................................... 800-722-1213
Tax-Aid Program, Union County
Catholic Community Services .................................................... 908-497-3900
AARP – Westfield Community Center ............ 908-232-4759 (by appointment)
AARP – St. Helen’s Church ............................ 908-232-1868 (by appointment)
geriatric care management
National Association of Professional
Geriatric Care Managers . .............................................. 520-881-8008
health insurance / medicare plans
Barrett Associates See page 11
145 N Franklin Turnpike, Ste 200, Ramsey, NJ 07446
201-785-9808 ext. 11 • [email protected]
Protect your love ones by helping them pay for final expenses and other
costs incurred at your death. Plan today so your family doesn’t have to
in the future. Don’t wait until it’s too late! Get the complete details and
free no obligation quote today.
CHIME ........................................................................... 908-497-3948
(Counseling Health Insurance for Medicare Enrollees)
Medicare/Social Security Administration
New Jersey Society of Optometric Physicians .............. 609-671-0900
Social Security ............................................................................ 800-772-1213
38
39
Horizon Blue Cross and Blue Shield See page 25
1-888-776-8259 • www.horizonblue.com/medicare
Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ), a
not-for-profit organization headquartered in Newark, is the state’s largest health insurer. Our goal is the same as it has been since 1932 - to
provide individuals and employers in New Jersey with convenient access
to quality health care, wherever they live or work.
SMP New Jersey
877-SMP-4359 • www.JFVS.org
See page 9
Senior Medicare Patrol (SMP) of New Jersey is part of a national SMP
network funded by the US Administration on Aging. SMP educates
Medicare and Medicaid beneficiaries, family members, and caregivers
about preventing, detecting and reporting health care fraud.
hearing
Hearing Aid Assistance to the Aged & Disabled (HAAAD)...800-792-9745
NJ Office On Deafness Division of Deaf & Hard of Hearing...609-984-7281
Speech and Hearing Associates See page 1
Call Charlotte at 800-742-7551 ext. 202
www.speechandhearingassoc.com
The ability to communicate is critical to a fulfilling life. We have been treating hearing loss professionally, not commercially, since 1969. Our caring
audiologists take time to listen to you and provide guidance. Locations in
Westfield, South Orange, West Paterson, Martinsville, Avenel, Randolph,
Cliffside Park, and Park Ridge. Ask your doctor about us!
heart
American Heart Association . ......................................... 732-821-2610
hospitals / medical centers
Runnells Specialized Hospital See Inside Front Cover
of Union County
40 Watchung Way, Berkeley Heights, NJ 07922
908-771-5901 • www.ucnj.org/runnells
Runnells Specialized Hospital of Union County Sub-acute Care: One of
40
the area’s most respected providers of Rehabilitation and post acute care.
Nursing Care: The region’s premier provider of quality, compassionate
care for long-term, hospice and Alzheimer’s-type patients. Respite stays
available. With breathtaking views of the Watchung Mountains, this stateof-the-art facility is staffed 24 hours a day by dedicated professional nurses
and daily by caring compassionate physicians.
Bergen County
Hudson County
Englewood Hospital & Medical Ctr
350 Engle St., Englewood
201-894-3456
Bayonne Medical Center
29th St. at Avenue E, Bayonne
201-858-5000
Hackensack University Medical Ctr
30 Prospect Ave., Hackensack
201-996-2000
Christ Hospital
176 Palisades Ave., Jersey City
201-795-8200
Holy Name Hospital
718 Teaneck Rd., Teaneck
201-833-3000
Jersey City Medical Center
355 Grand St., Jersey City
201-915-2000
Essex County
Mountainside Hospital
1 Bay Ave., Montclair
973-429-6000
Newark Beth Israel Medical Ctr
201 Lyons Ave., Newark
973-926-7000
Saint Barnabas Medical Center
94 Old Short Hills Rd., Livingston
973-322-5000
St. Michael’s Medical Center
268 Dr. M.L.K. Jr., Newark
973-877-5000
The University Hospital
150 Bergen St., Newark
973-972-4300
Meadowlands Hospital
55 Meadowlands Pky, Secaucus
201-392-3100
Palisades Medical Center
7600 River Rd., North Bergen
201-854-5000
St. Mary Hospital
308 Willow Ave., Hoboken
201-418-1000
Middlesex County
JFK Medical Center
98 James St., Edison
732-321-7000
Raritan Bay Medical Center
530 New Brunswick Avenue,
Perth Amboy, NJ 08861
732-324-6005
41
Robert Wood Johnson Uni. Hospital
180 Easton Ave., New Brunswick
732-828-3000
Overlook Hospital
99 Beauvoir Ave., Summit
908-522-2000
St. Peter’s University Hospital
245 Easton Ave., New Brunswick
732-745-8600
Trinitas Hospital
225 Williamson St., Elizabeth
908-994-5000
Union County
Muhlenberg Regional Medical Ctr
Park Ave. & Randolph Rd., Plainfield
908-668-2000
legal / elder law resources
Franklin Lakes .......201-891-2224
The Nutley .............973-667-0405
Garfield ..................973-478-3800
Oakland ..................201-337-3742
Glen Ridge .............973-748-5482
Old Tappan . ...........201-664-3499
Glen Rock ..............201-670-3970
Oradell ...................201-262-2613
Johnson ..................201-343-4169
Palisades Park ........201-585-4150
Harrington Park .....201-768-5675
Hasbrouck Heights .201-288-0488
Paramus & Charles E. Reid
Branch ....................201-599-1302
Haworth Municipal . .201-384-1020
Park Ridge .............201-391-5151
Louis Bay 2nd ........973-427-5745
Passaic & Reid
Memorial . ..............973-779-0474
Hillsdale .................973-923-4413
Community Health Law Project .................................... 908-355-8282
Hoboken . ...............201-420-2280
Fink Rosner Ershow-Levenberg, LLC
See page 1
1093 Raritan Road, Clark, NJ 07066
732-382-6070 • www.FinkRosner.com
Fink Rosner Ershow-Levenberg, LLC is a comprehensive Elder Law Firm
representing clients throughout New Jersey. Responsive Representation,
Personal Attention, Compassion and Commitment are the values of every
member in our law firm.
The Worth-Pinkham
Memorial . ..............201-445-8078
Legal Services Corporation, Union County .................. 908-354-4340
Bergen County
Lee Memorial . .......201-327-4338
Bergenfield .............201-387-4040
libraries
East Rutherford
Memorial . ..............201-939-3930
Bogota ....................201-488-7185
Edgewater ..............201-224-6144
William E. Dermody....201-438-8866
Elmwood Park .......201-796-8888
Cliffside Park .........201-945-2867
Emerson .................201-261-5604
Closter ....................201-768-4197
Englewood .............201-568-2215
Cresskill .................201-567-3521
Maurice M. Pine ....201-796-3400
Demarest ................201-768-8714
Fairview .................201-943-6244
Dixon Homestead ..201-384-2030
Fort Lee . ................201-592-3615
42
Leonia ....................201-592-5770
Little Ferry .............201-641-3721
Ruth L. Rockwood
Memorial . ..............973-992-4600
Ramsey ..................201-327-1445
Ridgefield at the
Community Ctr.......201-941-0192
Ridgefield . .............201-641-0689
Ridgewood .............201-670-5600
River Edge .............201-261-1663
River Vale ..............201-391-2323
Lodi Memorial .......973-365-4044
Rochelle Park .........201-587-7730
Lyndhurst ...............201-804-2478
Rutherford...............201-939-8600
Mahwah .................201-529-7323
Saddle Brook .........201-843-3287
Maywood ...............201-845-2915
Secaucus ................201-330-2084
Midland Park
Memorial . ..............201-444-2390
Teaneck ..................201-837-4171
Millburn .................973-376-1006
Tenafly ...................201-568-8680
Montvale ................201-391-5090
Township of
Washington ............201-664-4586
New Milford ..........201-262-1221
Upper Saddle River ..201-327-2583
North Arlington . ....201-955-5640
Waldwick ...............201-652-5104
North Bergen . ........201-869-4715
John F. Kennedy
Memorial . ..............973-471-1692
Northvale ...............201-768-4784
Norwood ................201-768-9555
Weehawken ............201-863-7823
43
West Caldwell ........973-226-5441
Jersey City .............201-536-9886
Westwood . .............201-664-0583
Kearny . ..................201-998-2666
North Bergen . ........201-869-4715
Wood-ridge
Memorial . ..............201-438-2455
Wyckoff .................201-891-4866
Essex County
The Belleville . .......973-450-3434
Bloomfield .............973-566-6200
Caldwell .................973-226-2837
East Orange . ..........973-266-5600
Ruth L. Rockwood
Memorial . ..............973-992-4600
Secaucus & Business Resource
Center......................201-330-2084
Berkeley Heights ...908-464-9333
The Clark ...............732-388-5999
The Cranford . ........908-709-7272
Elizabeth ................908-354-6060
Fanwood Memorial ..908-322-6400
Kenilworth .............908-276-2451
Linden ....................908-298-3830
Montclair . ..............973-744-0500
Mountainside ......... 908-233-0115
The Newark ...........973-733-7784
New Providence
Memorial . .............. 908-665-0311
South Orange .........973-762-0230
other helpful organizations
Union County
Millburn .................973-376-1006
Nutley ....................973-667-0405
Nursing Care: The region’s premier provider of quality, compassionate
care for long-term, hospice and Alzheimer’s-type patients. Respite stays
available. With breathtaking views of the Watchung Mountains, this
state-of-the-art facility is staffed 24 hours a day by dedicated professional
nurses and daily by caring compassionate physicians.
Rahway ..................732-340-1551
New Jersey Easy Access, Single Entry . ......................... 877-222-3737
American Association of Retired Persons (AARP) ...... 202-434-2260
Better Business Bureau of New Jersey ..........................609-588-0808
Easter Seal Society .......................................................... 732-257-6662
Epilepsy Foundation New Jersey ................................... 800-336-5843
Home Energy Assistance Program (Heating/Cooling) . ..908-351-7727
Jewish Family & Vocation Services
see page 9
of Middlesex County
732-777-1940 • www.JFVS.org
Jewish Family & Vocational Services of Middlesex County is a nonprofit
organization serving everyone who lives in Middlesex County and the surrounding environs. We provide services for family and children, adoption
assistance, career and vocational support, senior adult services, immigrant
and refugee services, community services, and volunteer opportunities.
Verona ....................973-857-4848
Roselle Park Veterans
Memorial . ..............908-245-2456
West Caldwell ........973-226-5441
Scotch Plains . ........908-322-5007
West Orange . .........973-736-0198
Springfield . ............973-376-4930
Hudson County
Union .....................908-851-5450
National Hospice Organization ...................................... 800-658-8898
Bayonne .................201-858-6970
Westfield Memorial ...908-789-4090
National Medicare Hotline ............................................. 800-638-6933
Hoboken . ...............201-420-2280
nursing care / rehabilitation
Runnells Specialized Hospital See Inside Front Cover
of Union County 40 Watchung Way, Berkeley Heights, NJ 07922
908-771-5901 • www.ucnj.org/runnells
Runnells Specialized Hospital of Union County Sub-acute Care: One of
the area’s most respected providers of Rehabilitation and post acute care.
44
Lifeline Program (Help with utility bills) ....................... 800-792-9745
LIHEAP (Federally funded energy assistance) ................ 800-692-7462
National Association for Home Care ............................. 202-547-7424
United Way
Bergen County ............................................................................ 201-261-2806
Essex ........................................................................................... 973-624-8300
Greater Union County ................................................................ 908-353-7171
Hudson County ........................................................................... 201-434-2625
Urban League
Bergen County ............................................................................ 201-568-4988
Essex County . ............................................................................. 973-624-9535
Hudson County ........................................................................... 201-451-8888
45
senior centers
JCC on the Palisades
411 East Clinton Ave., Tenafly
201-569-7900
Peterstown
408 Palmer St. at 4th Ave., Plainfield
908-353-9806
Jewish Community Center
411 E. Clinton Ave., Tenafly
201-569-7900
Plainfield
305 East Front St., Plainfield
908-753-3506
Kenilworth
526 Boulevard, Linden
908-272-7743
Post Road Gardens
537 Avenue A Apt 734, Bayonne
201-339-4532
Lyndhurst
281 Stuyvesant Ave., Lyndhurst
201-896-1629
Retirement Club of Union County
P.O. Box 9, Hillside
908-351-3036
Montclair-North Essex
159 Glenridge Ave., Montclair
973-746-5400
Rahway
1306 Esterbrook Ave., Rahway
732-827-2016
New Providence
15 East 4th St., New Providence
908-665-0046
Ridgefield Park
159 Park St., Ridgefield Park
201-641-1220
North Arlington
11 York Rd., North Arlington
201-998-5636
Roselle Community Center
1268 Shaffer Ave., Roselle
908-245-6717
Northwest
6-50 Center St., Midland Park
201-445-5690
Sarah Bailey Civic Center
30 Church Mall, Springfield
973-912-2227
O’Donnell-Dempsey
622 Salem Ave., Elizabeth
908-354-7431
Senior Citizens Center
20 Lawlor Drive, Oakland
201-405-7731
55 Kip Center
176 Park Avenue, Rutherford
201-460-1600
Downtown Center
18 Rector Street, 7th floor, Newark
973-733-2518
Americas Unidas
133 River Street, Hackensack
201-646-2548
Elmwood Park
Market Street & Blvd., Fair Lawn
201-796-3342
Bayonne Jewish Community Ctr
1050 Kennedy Boulevard, Bayonne
201-436-6900
Essex & West Hudson
395 Main St, Orange
973-672-9500
Bergen County
112 Oak St., Ridgewood
201-444-5600
Fairlawn
11th St. & Gardiner Rd., Fair Lawn
201-796-1191
Bergenfield
293 Murray Hill Terrace, Bergenfield
201-387-7212
Fairview
53 Grant Street, Fairview
201-943-5522
Borough of Mountainside
1385 Route 22, Mountainside
908-232-4406
Garfield
480 Midland Avenue, Garfield
973-478-0502
Casano
314 Chestnut St., Roselle Park
908-245-9150
Gregorio
330 Helen St., Linden
908-474-8627
Clark
430 Westfield Ave., Clark
732-388-3600
Grover Cleveland Center
14 Park Ave., Caldwell
973-403-4637
Cliffside Park
550 Gorge Road, Cliffside Park
201-943-3768
Hillside
265 Hollywood Ave., Hillside
908-355-8928
Palisades Park
300 Highland Ave., Palisades Park
201-944-5616
Suburban Citizen Services Center
50 S. Clinton St., 2nd Flr, E. Orange
973-395-8179
Cranford
220 Walnut Ave.,Cranford
908-709-7283
JCC MetroWest/Margulies
760 Northfield Ave., West Orange
973-736-3200
Paterson
185 Carroll St, Paterson
973-684-6408
Union Township
968 Bonnel Ct., Westfield
908-851-5290
46
47
Wallington
24 Union Blvd., Wallington
201-777-5815
YM-YWHA - Jewish Community Ctr
501 Green Lane, Union
908-289-8112
Westfield Community Center
558 West Broad St., Westfield
908-232-4759
YMCA Summit
67 Maple Street, Summit
908-273-3330
Westside Citizen Services Center
18 Rector St., 3rd Flr., Newark
973-733-3181
senior living options
Winchester Gardens See Inside Back Cover
at Ward Homestead
333 Elmwood Ave., Maplewood, NJ 07040
800-887-7502 or 973-378-2080 • www.winchestergardens.com
Winchester Gardens is a continuing care retirement community that is
committed to providing mature adults an active lifestyle that fosters dignity, privacy, individuality, and independence in a caring environment.
This is achieved through a highly skilled and concerned staff providing
exceptional service with a focus on resident needs and desires.
senior transportation
megabus.com
See page 2
Toll Free: 1-877-GO2-MEGA (1-877-462-6342)
Safe, convenient, and affordable travel. Offering service between Secaucus and many other cities. Visit www.megabus.com for a list of cities.
NJ Transit . ......................................................................973-378-6401
Bergen County Transportation ..................................................201-646-3227
Essex County Office on Aging . ..................................................973-678-1300
Hudson County ..........................................................................201-271-4307
Union County Transportation ....................................................908-241-8300
48

Resource Directory - Senior Citizen`s Guide

Transcription

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