October 2014 - The Leader Herald

Transcription

Focus On
SENIORS
October 2014
Brown bagging potentially leads to $1 million retirement nest egg
Enjoying retirement in a home suited for an active life
Planning for your 20-year vacation
Taking responsibility for your health
Travel secrets revealed: How to experience a destination like a local
Which life insurance do you need at each stage of your life?
A special supplement to
Family. Trust. Respect.
2 - Focus On Seniors - October 2014 • The Leader-Herald
River Ridge is a family owned residential and rehabilitation
facility operating with the same family care and
compassion you would want for yourself.
“At River Ridge, your family matters”
Check us out….
• A monthly menu of activities and therapeutic experiences to choose from
• Attentive staff that caters to the individual need of each resident
• Gourmet meals served in a cozy, homelike dining environment
• Theme picnics, holiday programs and special events throughout the year
• Rehabilitation programs with state of the art therapy equipment
• Trained professional medical staff 24 hours a day
At River Ridge we provide a nurturing positive environment that enhances the lives
of our residents on a daily basis.
Visit us on line for a visual tour and see what quality adult care is really all about.
River Ridge Living Center
100 Sandy Drive, Amsterdam, NY 12010
(518) 843-3503 www.riverridgelc.com
Easy ways to make
K
Focus On Seniors - October 2014 • The Leader-Herald - 3
senior living affordable
athy Hesselgrave’s 90-year-old mother’s health
declined to the point where she was no longer
able to live in her home by herself. Because her
mother needed help cooking and taking her medication,
Hesselgrave found herself taking care of her mom,
splitting the days and nights with her niece. Other family
members pitched into help, too, but it became too much.
“We didn’t have the money in the bank for her to
move into assisted living,” says Hesselgrave, who lives in
Sussex,Wis.“So we worked with a company that helps
in this kind of situation and took a loan against her
home to help pay for care until her house is sold.”
Hesselgrave’s situation is becoming common among
the “sandwich generation” - middle-aged Americans
who are caring for their parents and their children.This
year, the youngest baby boomers turn 50 and, according
to the U.S. Census Bureau, people 65 and older are
expected to represent 20 percent of the population by
2030, nearly a two-thirds increase in percentage from
2010. As America’s “silver tsunami” draws near, more
seniors and their children are searching for options to
pay for retirement living and quality care.
“When making plans for the future and looking for a
senior living community that’s right for you or your
loved one, it’s important to find a community that will
work with you and care about your unique needs and
abilities,” says Greg Richard, chief operating officer of
Brookdale, a leading senior living company that operates
more than 1,100 communities in 46 states. “Finding a
community that will partner with you and help find
solutions to financial, social and health care needs makes
a transition easier and more enjoyable.”
Even with the best financial planning, seniors and their
families are looking for a creative,smart and advantageous
way to pay for retirement living and quality care in the
future. Most don’t think they can afford living in a
retirement or assisted living community,until they find out
that a wide variety of financial options is available to them.
Amico Funeral Home
Mark L. Amico
Owner & Director
150 S. Main St.,
Gloversville
725-8916
Conveniently located directly across
from Church of the Holy Spirit
We Offer A Selection Of Funeral Services To Meet Every Personal
Wish, Every Religious Custom And Any Financial Condition.
• Complete Funeral Arrangements
• Pre-Arrangement Counseling
• Cremation Services
For instance, for veterans who need assistance, the
Department of Veteran’s Affairs offers benefits in
addition to a monthly pension through the Veterans Aid
and Attendance Program.This support allows veterans
and their surviving spouses who require a caregiver to
assist in various aspects of daily living - including eating,
bathing, dressing and medication dosing - to receive
AFFORDABLE SENIOR LIVING CONTINUED ON PAGE 7
Tom’s Family
Pharmacy, Inc.
FREE
PRESCRIPTIO
N
PICK-UP AND
DELIVERY
45-47 South Main St., Gloversville
(Former Location of Del Negro Pharmacy)
Featuring everything from greeting cards, vitamins,
minerals and supplements to prescription drugs
and over-the-counter medications with the caring,
personalized service you wonʼt find at the
drugstore chains.
• Medical Equipment
& Supplies
• Bathroom Safety
Equipment
• Golden Technology
Lift Chairs
Easy prescription
transfer from
another pharmacy.
Simply call us or bring
in your prescription
bottles and we will take
care of the rest.
A neighborhood drugstore...
Familiar. Friendly. Like family.
FOR FREE PRESCRIPTION PICK-UP AND DELIVERY
JOHNSTOWN, GLOVERSVILLE, BROADALBIN
AND SURROUNDING AREAS
CALL (518) 725-0615
Which life insurance do you need
M
at each stage of your life?
any of life’s different stages offer challenges and
rewards - whether you’re starting out on your own,
raising a family,focusing on your career or preparing
for a rewarding retirement. However, while each life stage is
unique, making sure your loved ones are cared for financially is
something that needs to be addressed along the way.
KEEP THESE THINGS IN MIND
ASYOU ENTER EACH LIFE STAGE:
• Early career: Surprisingly, when you’re young and at
your healthiest is the ideal time to get your first life
insurance contract.Your family and your financial future
are counting on you continuing to earn a living. Life
insurance will ensure your loved ones aren’t left dealing
with your financial burdens if you pass away. Because you
are young and healthy, a basic policy may be the most
affordable depending on your needs.
• Growing families (and income): Young children at
home can bring untold joy to a family. Unfortunately, this
idyllic picture can be easily shaken if an untimely death
occurs.Term life insurance can offer affordable coverage
for you and your loved ones. Term insurance can be
easily enhanced with additional options (called riders) to
ensure your protection stays adequate as your family
grows and your earning potential increases.
• Legacy and retirement planning: As you enter your
Have you been
THINKING?
That it is time to come and see for yourself the
Lovely High-Rise Apartments located in the
Kingsboro Towers and Forest Hill Towers?
Did you KNOW?
Hostesses will be happy to show you apartments
At a time that is convenient for you.
Will you be SURPRISED?
To find out how LOW your RENT could be.
Did you know?
All utilities are included with FREE TV reception.
And,
peak earning years and get closer to retirement, you will
likely face more health risks. Converting from term
coverage to permanent life insurance is a way to ensure
lifelong financial protection. Permanent insurance is
guaranteed to be with you for the rest of your life as
long as you continue to pay the premium and your
provider stays in business. This is one of the many
reasons you should look for an organization with a track
record of financial strength and stability. Permanent
insurance contracts also allow you to begin to plan your
legacy as they give you the option to include a favorite
charity or cause as a beneficiary.
• Retirement: As you enter your later years, you are
now ready to take advantage of all those years of
planning for retirement. Make sure you take time to
meet with a financial professional to ensure your
retirement needs haven’t changed and that you still have
the right financial plan in place.These years are also time
to focus on the legacy you want to leave behind for your
children and grandchildren, as well as organizations that
you support financially.
Life insurance, like life itself, has many stages and options
for you to consider. It is an invaluable tool to ensure that
those you leave behind are financially protected. It can also
have many additional benefits to you and your loved ones
beyond the basic death benefits. Taking the time to obtain
professional advice about protecting those you care about is
an important first step to knowing your best options.
are Welcome!
(Weight Limit)
Call the
Gloversville Housing Authority
TODAY!! At
775-1892 (8:30am-4pm)
We house senior citizens age 62 or older.
Also, Social Security Disabled & Veteran’s Disabled
individuals, between the ages of 50-61.
Applications can be mailed or picked up.
Monuments, Markers
& Mausoleums
LETTER MEMORIAL, Inc.
522 North Perry St., Johnstown
(518) 725-7321 • Fax: 762-4953
New Medicare Advantage plans for 2015!
The Benefits
You Care About...
Are Right Here.
For 2015, here are highlights of our in-network(2) benefits compared to Original Medicare.
Monthly Plan
Premium (1)
Flex Benefit
Part B Deductible
PCP Copay
Specialist Copay
Outpatient Surgery in a
Hospital
Outpatient Surgery in an
Ambulatory Surgical Center
Lab Tests
X-rays
Preventive Services
MRIs, CT Scans, PET
Scans
Inpatient Copay
Part D Prescription Drug
Coverage
Preventive Dental
$104.90
Fidelis Medicare
Advantage without
Rx (HMO-POS)
$0
Fidelis Medicare
Advantage Flex
(HMO-POS)
$36.90
None
$147
20%
20%
20%
None
None
$10
$30
$285
$550 per year
None
$0
$10
$285
None
None
$15
$35
$285
20%
$285
$285
$285
$0 or 20%
20%
$0
20%
$0 or 20%
$10
$0
20%
$0 or 20%
$10
$0
20%
$0 or 20%
$10
$0
20%
$1,216
$285 per day for days
1-5,
per admission
Yes, with $0 copay for
preferred generics
$285 per day for days 1-5,
per admission
No
$285 per day for
days 1-5,
per admission
No
None
None
Yes
Original
Medicare(3)
Benefit
*Fidelis Medicare $0
Premium (HMO)
$0
Yes, with $0 deductible and
$0 copay for preferred
generics
Yes
Call 1-800-860-8707 (TTY: 1-800-558-1125)
8 AM to 8 PM seven days a week from October 1 to February 14,
and Monday through Friday, 8 AM to 8 PM from February 15 through September 30
Enroll anytime at fideliscare.org
The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations,
copayments, and restrictions may apply. Benefits, formulary, pharmacy network, premium and/or copayments/coinsurance may change on
January 1 of each year. 1You must continue to pay your Medicare Part B premium. 2Out-of-network services may require more out-of-pocket
expense than in-network services. Benefit restrictions apply. 3These are 2014 amounts and may change for 2015.
Fidelis Care is an HMO plan with a Medicare contract. Enrollment in Fidelis Care depends on contract renewal.
H3328_FC 14132 CMS Accepted
Brown
potentiallybagging
leads to $1 million retirement nest egg
H
ere's a $1 million idea: making breakfast and lunch
at home every day instead of dining out can
potentially yield seven figures in retirement savings.
A 25-year-old who eats breakfast at home and bags her
lunch can save an extra $10 a day. Invested in a retirement
account earning an 8 percent average annual rate of return,
those savings could generate more than $1 million by age 67.
This hypothetical example shows how making small
changes in behavior may ultimately yield big results, according
to Elaine Sarsynski, executive vice president of MassMutual
Retirement Services. It's especially instructive when it comes
to retirement savings, she says, as many Americans maintain
they don't have the money to contribute to their employer's
retirement plan such as a 401(k), 403(b) or 457.
"Many of us never think twice about how much we really
spend on expenses such as dining out, the interest we pay
on credit cards, or even cable channels that we no longer
watch," Sarsynski says. "If you track your expenses and
think about what you really need, many of us can find
money to save and invest."
Farnoosh Torabi, best-selling author and financial planning
coach, agrees with Sarsynski's assessment and recommends
several personal and household expenses to examine for
potential savings:
• Reign in big expenses. If your monthly rent or
mortgage is eating up more than 25 percent of your
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take-home pay, look at ways to reduce this big expense.
If you have a mortgage, refinancing might be an option.
Renters can sometimes renegotiate a lower rent as
good tenants are hard to find.
• Trim smaller costs. Brown bagging is one way to save.
Track all your expenses to determine where else you
might cut back. It's amazing how extra expenses such as
$3 lattes and $10 iTunes down-loads can add up.
• Stick to cash. Using cash instead of credit can save
you up to 20 percent. Not only do you incur fewer
interest charges, you may ultimately defer some
expenses until you have the cash.
• Attack high-interest debt. Credit cards typically
represent the most expensive debt so pay off this debt as
soon as possible.When you're debt free, continue paying
the same monthly amount to your retirement plan instead.
• Get professional tax help. If you're middle-aged or
older, rely on a certified public accountant to make
sure you're taking advantage of all of the various tax
credits and deductions that come from having children,
owning a home or contributing to IRA. Put your tax
savings or rebate in your retirement account.
• Dump unnecessary baggage. As we get older, we
tend to accumulate more things than we need or can
reasonably use. Consider saving by downsizing to a
smaller home, selling an extra car you no longer use,
and clearing out your basement, garage or attic by
selling unneeded household items in a tag sale.
• Cut the cable. Re-examine your roster of cable TV
channels; you may find you are paying premium prices
for channels you rarely watch.
• Spend time rather than money. It's always
tempting to spoil grandkids, nieces and nephews with
gifts. You can save money by cutting back on the
presents and giving the kids what they really want: your
time and attention.
"We all spend more money than we realize on things that
don't necessarily contribute to our happiness or quality of
life," Torabi says. "By taking a hard look at our spending,
most of us can find money to contribute to our retirement
plan and, ultimately, improve our quality of life when we are
no longer working."
AFFORDABLE SENIOR LIVING CONTINUED FROM PAGE 3
money to help pay for long-term care in their own
home, a skilled nursing community or an assisted living
community. The benefit is not dependent upon
service-related injuries. A veteran married to a nonveteran is eligible for approximately $2,000 per month
while a married couple who are both veterans is
eligible for nearly $2,800 per month. Benefits are also
available to veterans who are independent, but who
have an ill spouse.Veterans can get monthly financial
assistance not only for themselves if they need care,
but also for a spouse who needs assistance.
Richard says that Brookdale partners with several
companies that offer reverse mortgage loan options,
life insurance solutions and home equity loans.
Financial counselors are available to assist seniors and
their families in determining the best financial option
to help pay for home care, assisted living or
retirement community needs. Many of these
companies, like Elderlife Financial Services, can get
families the money they need in less than 24 hours to
help with funding gaps. Others, like Life Care Funding
Group, can take an existing life insurance policy and
set up a long-term care benefit plan.
“Planning for the future is difficult, especially for
those of us who didn’t start saving early enough
during our main bread-winning years,” says Richard.
“Regardless of your age, it’s never too late to research
the financial options available for your future or your
loved one’s needs.”
Serving Gloversville, Johnstown, Mayfield
and Surrounding Areas
“Family”
Our Family Helping Yours!
• Traditional Services
• Cremation Services
• Prearrangement
Planning
From traditional
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Call our
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You Decide
Everything Together.
Make memorialization
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Family Owned & Operated by...
William H. Mackey, Jr. • Brian C. Mackey
Cherry Valley Memorials, Inc.
141 S. Main St. (Corner Pine & S. Main), Gloversville
518-725-2012 www.cvmemorials.com
4 Second Ave., Gloversville 725-6116 • Fax 725-6117

of the Northville Funeral Home, Inc.
email: [email protected]
www.gloversvillefuneralservice.com
Tame that ringing in your ears and
B
rock on, boomers
ob Dylan. The Rolling Stones. Led Zeppelin.
Music helped define an entire generation of
baby boomers. It expressed their fresh world
view and energized them as they set the world in a
new direction.
But if you're like many from this music-filled, lifeembracing generation, then some of that old time rock
and roll may still be ringing in your ears. Literally.
Tinnitus, commonly called "ringing in the ears," is
the perception of a sound in a person's ears or head
that has no external source. Many people with
tinnitus experience ringing, humming, buzzing, or
chirping in their ears or head. Others even perceive
singing or music. Neural hyperactivity causes the
perception of sound.
As it turns out, tinnitus is most often the result of
noise exposure, although it can be caused by other
things as well.And it's almost always accompanied by
hearing loss. So it seems that all those years of rock
concerts and loud stereos may have unwittingly set
baby boomers up for the ringing in the ears that many
are experiencing today.
Tinnitus is also more common than many people
realize. In fact, it affects nearly 50 million Americans.
And baby boomers are heavily hit by it, with roughly
21 percent of 55-to-64 year olds experiencing tinnitus.
The good news is there are things that boomers can
do to help manage tinnitus and address the oftenaccompanying hearing loss so it doesn't have to slow
them down.
Hearing aids can help significantly. Not only do
they improve hearing and communication, but they
help reduce the prominence of tinnitus by amplifying
background sound. Just taking the focus off the
tinnitus can provide relief for many people. Hearing
aids also reduce the stress associated with intensive
listening, which alone can help relieve tinnitus
symptoms.
There are other potential treatments available to
boomers as well. Biofeedback, cognitive behavioral and
mindfulness based stress reduction, and sound therapy
are just some examples, among others.
The very best thing someone with ringing in the ears
can do is to visit a hearing health care professional.
Find someone with experience in treating tinnitus.And
make an appointment for a hearing examination and
consultation on the most appropriate treatment
options for your symptoms and lifestyle.
So take heart, boomers. You've been forging new
paths for America to live by for decades now. It's time
to lead the way in how you manage that ringing in
your ears - and hearing loss - with that same
characteristic energy, determination, and innovation
that turned the world on its head.
SUPPLIES • AND MUCH MORE!
410 Ridge Road, Broadalbin, NY 12025 (518) 883-3118
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Do you know these
five
trending
facts
about
today's hearing
aids?
1. They're virtually invisible. Many new hearing
aids sit discreetly and comfortably inside the ear
canal, providing both natural sound quality and
ease of use.
2. They automatically adjust to all kinds of
soundscapes. Technological advances with
directional microphones have made hearing aids
more versatile than ever before in a broad range
of sound environments.
3. You can enjoy water sports and sweat while
wearing them. Waterproof digital hearing aids
have arrived.This feature is built into some new
hearing aids for those concerned about water,
humidity and dust. This feature suits the active
lifestyles of swimmers, skiers, snowboarders,
intensive sports enthusiasts and anyone working
in dusty, demanding environments.
4. They work with smartphones, home
entertainment systems and other
electronics. Wireless, digital hearing aids are
now the norm.That means seamless connectivity
- directly into your hearing aid(s) at volumes that
are just right for you - from your smartphone,
MP3 player, television and other high-tech gadgets.
5. They're always ready. A new rechargeable
feature on some newly designed hearing aids
allows you to recharge your hearing aids every
night, so they're ready in the morning. It's
convenient - and there's no more fumbling with
small batteries.
Palmer
Pharmacy
“for old fashioned service and courtesy”
Pharmacists - Tom Friello • Carole Deyoe • Bob Sullivan
• Liza Saltsman • Jennifer Christman
• Patient/Prescription Consultation
• Senior Discount
• Medicare, Medicaid, EPIC & Most Third Party
Insurance Plans Honored
• Diabetic Supplies • Blood Pressure Kits
• Stethoscopes • Commodes • Walkers • Canes
• Crutches • Wrist, Knee & Back Supports
• Surgical & Support Stockings • Post Mastectomy Supplies
Nature’s Bounty Vitamins
2 E. MAIN, JOHNSTOWN • 762-8319
Mon.-Fri. 8:30 am to 7 pm; Sat. 8:30 am to 2 pm, Sun. 9 am - 1 pm
19 N. William Street
Johnstown, NY
www.fcofa.org
736-5650

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Planning for your
20-year vacation
AREYOU READY TO BE ON VACATION FOR
20 OR 30YEARS?
That’s what planning for retirement compares to for
many people as life spans have increased dramatically
over the past few decades. A male who celebrates his
65th birthday today can expect to live until age 84 on
average, according to the Social Security Administration.
A woman can expect to live to age 86.
With the potential to live decades in retirement, it’s
more important than ever to start saving as soon as
possible. The more time you have, the better your
chances of accumulating enough assets to live
comfortably once you stop working.
No matter where you are on the retirement planning
continuum, there are specific time-related and timetested strategies that can help you prepare.
“When you invest for a long-term goal like retirement,
an event that for many of us is years and years down the
line, time is on your side,” says Elaine Sarsynski, executive
vice president for MassMutual’s Retirement Services
division.“The sooner you start saving and investing, the
more time you have to accumulate retirement savings
and put the power of compounding to work.Time also
allows you to ride out stock market volatility and
FIRST OPENED IN 1909, WILLING HELPERS’ HOME FOR
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Willing Helpers’ Home
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Tired of living alone? Female over 60?
We provide comfortable, private rooms and board in a wellmanaged, spacious living environment with all the amenities of
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Kruger, Director, and arrange a tour
of our facility. There are vacancies.
226 W. Madison Ave., Johnstown, NY 12095
(518) 762-7719 • Fax (518) 762-3415
w w w. w i l l i n g h e l p e r s . o r g
potentially recover from underperforming years.”
Although the stock market can fluctuate daily, monthly
and yearly, the Standard & Poor’s 500 has netted an
average annual return of 9 percent since its inception
and 11.5 percent in the past 30 years.
The longer-term gains attributed to stock investing are
particularly helpful to younger investors in their 20s and
S
20-YEAR VACATION CONTINUED ON PAGE 16
HIRLEY J. LUCK
SENIOR CITIZENS
CENTER
109 East Main St.
Johnstown, NY 12095
Phone: (518) 762-4643 • Fax 762-0290
[email protected]
Michelle Jones - Executive Director
Beautiful Autumn days are here!
Come on out and enjoy some of our many activities.
Home of the 50 Plus Club
The Senior Service Center is open daily and
has a variety of services including:
Pilates • Fit/Chi • Aerobics • Walkers • Yoga Classes
• Computer Classes • Chaircaning • Oil Painting
• Dancercise • AARP Defensive Driving Course
• Tai Chi • Aging Well • Chair Yoga • Light Stretching
Ongoing Services:
*Adult Day Care Program *Hearing/Vision Clinic
*Blood Pressures *Glucose/Cholesterol Screening
*Fulton Co. Mealsite *50 Plus Meetings *Community Services
*Trips, Day and Extended (See Center Office)
Your caring doesn’t
stop when you leave...
Give your loved one Lifeline
Help that’s available at the press of a button.
Contact Nathan Littauer Hospital’s Lifeline Program
518-773-5507
Ask about our free in-home demonstration by our
professional Littauer staff
S
Four simple home remediesfor
joint pain
oreness, stiffness, tenderness - joint pain can MOHR OFFERS FOUR ALL-NATURALWAYSTO
have a direct impact on quality of life.
IMPROVE - AND EVEN ELIMINATE Fortunately, there are a number of proactive JOINT PAIN INTHE KNEES, HIPS AND ANKLES:
steps that incorporate all-natural solutions to help
1. Eat for joint health: Key nutrients that help
improve joint health and overall wellness.
with joint health, mobility and lubrication are
Joint pain is one of the most common health
healthy fats like omega-3s. “Think of these like
concerns. It affects 30 percent of U.S. adults, according
lube for your joints,” says Mohr.“Replace some of
to the Centers for Disease Control and Prevention
the usual protein in your diet with fish - wild
(CDC). Not surprisingly, joint pain prevalence increases
salmon, tuna, sardines, anchovies, etc. Aim to do
with age. Forty-two percent of adults 45-64 years old,
this at least twice per week.”
and about one-half of adults 65 and older, have
In addition to increasing foods with healthy
experienced recent joint pain, the CDC reports.
omega-3 fats, Mohr recommends reducing
“Just because a person ages, it doesn’t mean they
unhealthy fats like trans and saturated fats.These
should hurt,” says Dr. Christopher Mohr, a fitness and
are often found in packaged items, sweet treats
nutritional expert who consults for television, print and
and other overly processed foods.
radio outlets throughout the country.“Lifestyle plays a
“Of course, also think about adding loads and
big role in maintaining joint health. Joint health and
loads of colorful veggies and fruits, as well as
integrity is built on a strong foundation - diet, exercise,
decreasing sugar and other refined carbs in the
and weight management.”
diet,” Mohr suggests.
2. Add supplements: Omega-3 fats can support joint
health, but often people don’t get enough through
the foods they eat.Supplementation is a good option
for people who suffer from joint pain.“Joint health
can be maintained by ‘feeding’ the body what it
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needs,” says Mohr.“Nordic Naturals provides a highquality, concentrated dose of omega-3 fats that your
body uses most efficiently. I like the Nordic Naturals
EPA Xtra product, as EPA is one of the omega-3 fats
that’s particularly beneficial for healthy joints.”
3. Manage a healthy weight: “The less body
weight you have to carry around, the easier it will
be to move around,” says Mohr. “Make physical
activity a regular part of your day. The stronger
your muscles, the easier it will be to move
comfortably.Above all, this will help relieve some
of the common pains in the joints.”
4. Stay physically active: Mohr says one of the most
common misconceptions about joint pain is that rest
is helpful.“Unfortunately that becomes a vicious cycle,
where more rest can ultimately cause more pain
because the surrounding muscles are getting weaker
and giving less support to those joints,” he says.
Appropriate physical activity should be part of a
daily joint-health routine, but it doesn’t require
joining a gym or hiring a trainer. Start with simple
steps, like standing instead of sitting, walking as
much as possible, swimming at a pool, etc. Basic
movements can keep weight in check and
maintain joint and muscle integrity.
Joint pain and soreness is common.By taking a few simple
steps at home, you can dramatically change how you feel
and how you move, so you can live to the fullest every day.
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Y
Combat signs
of beauty-routine
aging
with simple
updates
ou’re probably aware that consuming too
much sugar can lead to weight gain, and that
sugar is linked to a range of health problems,
including diabetes. But did you know that sugar also can
make you look old? Or that dehydration can damage
your skin? Some surprising factors affect your skin, but
some simple changes to your beauty routine can help
combat the impact aging has on your body and skin.
DEFYING YOUR AGES
Excess sugar in your body creates a substance
known as “advanced glycation end-products” - AGEs which can damage your skin. Glycation occurs when
sugars bind with proteins, causing your skin to become
stiff and less elastic.These effects can cause wrinkles,
crow’s feet and age spots.
In addition to managing your sugar intake, adjusting
your daily skin care routine can help combat the
effects of AGEs.A popular product is TruAge Skin AGE
Therapy Gel by Morinda. Using natural ingredients in
a proprietary formula, the lightweight gel promotes
healthy collagen and elastin growth, moisturizes skin
and also disrupts AGE formation.
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aging and can have a devastating effect on the skin,”
says Kira Davis, product line manager for Morinda.
“Improving your skin’s appearance and boosting its
protective layer can be as simple as adjusting your
daily skin care routine to help fortify its natural
defenses against AGEs.”
To learn more about TruAge, visit www.morinda.com.
MAXIMIZING YOUR MOISTURE
Dehydration can cause skin to lose elasticity - so
much so that doctors routinely use a simple skin-pinch
test to quickly determine if a person is dehydrated.
The condition can cause a host of health problems,
some serious and some less concerning. Dry, itchy
skin, for example, can be caused by dehydration.
It’s important to hydrate your body inside and out.
Use a quality moisturizer daily. During summer
months - or if you spend a lot of time outdoors yearround - choose a moisturizer that also blocks
ultraviolet sunlight. Ideally, you should drink plenty of
water. If that’s not possible - or you don’t care for the
taste of water - choose non-caffeinated liquids such
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as skim milk or light fruit juices. You also can help
hydrate your body by eating fruits and vegetables that
have a naturally high water content, such as
watermelon, cucumbers, celery and tomatoes.
NURTURING HEALTHIER SKIN WITH
NUTRITION
Skin is influenced as much by what goes on inside
your body as what it encounters on the outside. If
you’re unhappy with how your skin looks, some simple
dietary changes can help improve your appearance
and benefit your overall health as well.
Free radicals are unstable molecules produced as a
side-effect to the body’s use of oxygen. Antioxidants
may stop or limit the amount of damage free radicals
cause in your body, according to the American
Academy of Family Physicians.The National Institutes
of Health say that fruits and vegetables are good
sources of antioxidants such as beta-carotene and
vitamins C, E and A. Blueberries and strawberries are
high in antioxidants, as are greens such as kale and
spinach. Tomatoes contain lycopene and are a
wonderful ingredient in a variety of dishes, so be sure
to incorporate them in your diet.
Finally, look for foods rich in omega-3 fatty acids,
such as fish, avocados and some types of nuts. One of
the many benefits of omega-3s is that they nurture the
outer layer of your skin so it can more effectively
protect you.
You can’t turn back the clock, but making a few small
changes in your beauty routine - such as incorporating
AGE-fighting products and boosting hydration - can help
combat the effects aging has on your body and skin.
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Niskayuna, NY 12309
518-386-2904
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20-YEAR VACATION CONTINUED FROM PAGE 10
30s, according to Sarsynski. By saving and investing 10
percent of your income a year, including an employer
match if available, you can potentially accumulate
enough assets to replace between 60 percent and 80
percent of your income in retirement, she says.
Those who are well into their 30s, 40s or older and
who haven’t started saving should consider putting
aside 15 percent or 20 percent of their income. Saving
larger percentages of salary can help late savers catch
up, Sarsynski says.
What if you are in your 50s or older and have little
retirement savings? Time can work for you as well if
you extend your retirement date by working longer,
giving yourself more time to save and postpone taking
your Social Security benefits.The IRS allows Americans
age 50 and older to save an additional $5,500 above
the $17,500 annual limit on retirement plan
contributions. In addition, Social Security retiree
benefits increase by 8 percent every year income is
deferred past the full retirement age.
A key benefit in saving and investing for retirement,
no matter what your age, is the power of compounding,
according to Farnoosh Torabi, best-selling author and
financial planning coach.Your percentage of earnings
growth is derived from your current and past
contributions as well as previous earnings, exponentially
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increasing with time. That’s why it’s so important to
start saving as early as possible,Torabi says.
As an example, a 30-year-old who has $10,000 in her
401(k) retirement plan and contributes $300 a month
until retiring at age 67 would accumulate $761,261.
That’s based on an annual interest rate of 7 percent,
compounding monthly.
Conversely, a 50-year-old with the same amount in
his retirement plan and who contributes $300 a month
would wind up with $149,795 at age 67. Even doubling
the monthly contribution would yield only $266,833.
So time is of the essence.
Many employer-sponsored retirement plans such as
401(k), 403(b) and 457 plans feature calculators to help
you determine how much income your savings can
generate both today and the future. The SSA also
features calculators to help you determine your Social
Security retirement benefits.
“Everyone should take the time to calculate their
estimated income and expenses in retirement before
deciding when they will retire,” Torabi says.“If you have
a gap between your projected income and expenses,
you need to increase your savings. Many people
ultimately decide to live a little more frugally today so
they can afford to retire more comfortably tomorrow.”
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for availability and copays. A sales person will be present with information and applications. For accommodation of persons with special needs
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Taking responsibility
health:
Ask for yourself,for
do ityour
for your
family
E
very day you sit around the dinner table with
your loved ones and ask about their lives‚“How
was your day? What’s new at work? Do you have
any plans for this weekend?” But how often do you ask
the truly important questions, like‚“Are you taking care
of your health?”
Talking to family members about their health can be a
challenge. But the truth is that a simple conversation
could help encourage your loved ones to take
responsibility for their health.
“Not long ago, I learned that certain factors‚“like being
AfricanAmerican,having a family history of diabetes,or being
over the age of 45‚“can put you at a higher risk of developing
type 2 diabetes,” says Justine Simmons.“All of these factors
apply to my husband, Rev Run, and to me, so when I found
out we could be at risk‚“I knew I had to speak up.”
Justine Simmons and Rev Run decided to take
responsibility for their health and be screened for diabetes
by their doctors.Although they do not have the disease,
they found out that they are among millions of Americans
who are at risk of the disease. Knowing this, Justine and
Rev Run couldn’t just stand back and do nothing. So, they
decided to make healthy lifestyle changes as a family.
“Now, we walk around the park in our neighborhood
everyday and make healthy dinner choices. We also talk
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with our kids about their risks of diabetes,” says Justine.“If
we do nothing,our family’s history could impact our family’s
future.And our children are too important to us for that.”
Justine Simmons is urging you‚“if you think you or a loved
one might be at risk of diabetes, take action today.To help
you, Justine and Rev Run teamed up with Novo Nordisk
on Ask.Screen.Know.‚“a national education program that
challenges Americans aged 45 or older to find out about
type 2 diabetes risk factors‚“to provide you with the tools
and resources to talk to your family and your doctor.Visit
AskScreenKnow.com, take the Diabetes Risk Factor
Assessment today,and ask your loved ones to do the same.
Remember,it’s important for your family to know that they
don’t have to do it alone. Here are some of Justine’s
favorite tips to help keep your conversation fun and
interesting, and make sure you all get the most out of it:
• Make it healthy‚“and delicious! Try cooking
some new, healthy dishes to enjoy while you talk.
Not only will it show your family that eating healthy
foods can be delicious, but it’s also a great way to
bring up the conversation about healthy living
• Stay on track. If your family is like Justine’s,
conversations can change every 5 minutes at the
dinner table. Keep everyone on track by gently
reminding them why you are there. Share stories or
memories about family and health that lead back to
the conversation
• Take steps together. There’s no better time than
the present, so ask your family to pull out their smart
phones and take the Diabetes Risk Factor Assessment
while you’re together. After you talk, it’s also a great
idea to ask everyone to join you for a walk.This shows
how you can all support each other in living healthy
lifestyles‚“just like the Simmons family does
Just remember, if you didn’t care, you wouldn’t be
having the conversation, and its okay to explain that to
your family. You are all in this together and when it
comes to health, a quick conversation now could help
you and your family live a healthy lifestyle together for
generations to come.
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Balance Problems? Dizzy?
Feeling Unsteady On Your Feet?
Have You Had A Fall?
Afraid You Might Fall?
Fleming Physical Therapy Consultants has the
expertise and technology to help you feel stronger
and make you steadier on your feet.
A few examples of our technology:
• Equilibrate Computerized Balance Assessment and Training Technology
• Interactive Metronome (improve movement timing and coordination)
• GaitAid: A training tool providing audio and visual feedback cues to improve gait, balance
and freezing of gait for people with - Parkinsonʼs disease, Multiple Sclerosis, Stroke. Similar
to Virtual Reality Glasses!
We have helped a lot of people feel better about their balance and mobility.
Also, do you have peripheral neuropathy? Feet numb, burn, painful? We have the treatment
for you: Anodyne Therapy. This treatment can help restore feeling and reduce pain in your
legs so you feel better and are steadier on your feet.
We not only address your physical issues but help you with the social and emotional aspects
of feeling unsteady on your feet (if you are unsteady on your feet, you know what we are
talking about!). Letʼs get you going and get your confidence back.
3 CONVENIENT LOCATIONS:
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Route 30A, Gloversville (next to Save A Lot)
Phone 518-921-4189
1401 Union Street
Schenectady, NY
518-346-0605
2 Guy Park Ave.
Amsterdam, NY
518-212-6291
www.flemingptconsultants.com
T
Travel
secrets
How to
experience revealed:
a destination like a local
ravelers today want more from their vacations,
including authentic experiences that are off the
beaten path. Knowing where the locals go and
what they like to do is key to discovering the hidden
gems of any destination. Fortunately, finding this
seemingly secret information is easier than you think if
you just follow a few tricks of seasoned travelers.
Research weather patterns: The ideal weather at
a particular location doesn’t necessarily align with
popular vacation times or holidays. By looking into
average temperatures, you might be able to book an
affordable vacation during the off-season and still enjoy
beautiful weather. For example, fall months bring warm
and comfortable temperatures to the Myrtle Beach area
in South Carolina dubbing September and October as
the “perfect time of year” by locals. Learn more about
off-season travel at www.visitmyrtlebeach.com.
Look beyond the hotel: Prime tourist areas are
ripe with hotels and resort options, which can be
wonderful. But for a more authentic experience,
consider renting a house or condo instead.Your homeaway-from-home might be in a neighborhood where
locals live, allowing you to experience day-to-day life
from a fresh perspective. You might even mingle and
make some new friends.
Try the local food: Food provides an inside glimpse
into a region’s history, culture and favorite flavors.
Before you head home, be sure to research cuisine
unique to the area and try a few new dishes while away.
Southern coastal cooking has created a phenomenon
called low-country cooking.This type of cuisine includes
dishes like chicken bog, a pilau dish typically made of
rice, chicken, onion, celery, sausage and spices.A trip to
South Carolina is not complete without a visit to
Shorty’s Grill in Loris, located just outside Myrtle Beach,
where locals head every Thursday for Chicken Bog Day.
Embrace digital research: Spending time online will
help you discover some of the best information about
any vacation destination.Videos, social media and online
chat boards are all great resources for exploring what’s
hot within the local community. For example, “local’s
look” YouTube video series highlights favorite hotspots
and things to do in the Myrtle Beach area.To learn about
other local favorites, go toVisitMyrtleBeach.com/60Days.
Drink like a local: Raising a glass filled with a tasty
libation has been a bonding ritual bringing people
together for hundreds of years. Be sure to research bars
that have built a strong local following, and strike up a
conversation with the employees and regulars.
Breweries and distilleries offer another opportunity to
experience the local flavors. For example, New South
Brewing is Myrtle Beach’s only local microbrewery that
offers tours and tastings every Tuesday and Thursday.
Also, Palmetto Moonshine is a facility that sells locally
grown and made moonshine.
Play like a local: What do locals do in their free time?
In beach towns this often means heading inland while the
shoreline is packed with tourists during weekends.
Consider exploring the city center when the work week
is done and gridlock has ceased. It might mean visiting a
park that comes alive at night with music and food
booths, giving locals a break from the nine-to-five. Do a
little digging and you’ll discover where the locals go - and
the places they avoid - during their free time.
Converse with locals: If you’ve done some research
and know a few places rumored to be favorites of local
residents, the final step to ensuring an authentic
experience is to be friendly and talk with people you meet.
Residents typically have a lot of pride in where they live,
and many are more than happy to share their thoughts
on favorite restaurants, stores, beaches and more. An
approachable smile, a friendly attitude and willingness to
listen might help you learn about an amazing coffee shop
or rarely frequented seashore that your family will adore.
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Enjoying retirement
in a home suited for an active life
W
hen it’s time to retire, do baby boomers just
sit back and watch life pass them by? Not
anymore. Boomers are known for getting
involved in their communities, enjoying the outdoors and
starting new - or restarting older - hobbies.They also love
spending time with family.
This active lifestyle means boomers don’t want to take
care of the large homes they lived in for years while raising
children. In fact, they’re ready to downsize, and want to
design their homes to be exactly what they need for their
retirement years.
Downsizing into a new home - one that can adapt to
boomers’ changing needs as well as accommodate their
occasional desire to entertain guests - is a great way to
enjoy retirement in comfort and style. And with the
customizable features available through Clayton Homes,
they won’t regret downsizing at all. Boomers can choose
these features in The Holland home model by Clayton
Homes, specifically designed for the active boomer, and
continue entertaining in these prime years.
to show off photos of their children and
grandchildren.A wall designed specifically for hanging
photos, awards and other proud mementoes gives
parents and grandparents the perfect opportunity to
share stories with visitors.
• Handy but hidden entertainment - When friends
CONSIDER THE FOLLOWING
and family come over, consider how efficient it is to
have a built-in cabinet that flips open to serve as a
CUSTOMIZABLE FEATURES
beverage station. When visitors are not around,
AVAILABLE IN THESE HOMES:
tucking the beverage station away into a designated
• Bragging wall - Every parent and grandparent loves
place makes the home more open. Another
customizable feature is a support column that acts as
a wine storage cubby with a built-in bench beside it.
PETOFF GARDEN APARTMENTS
• Accessible laundry - Placing laundry facilities close
to the bedroom is great for baby boomers.The space
doesn’t need to be large, but sometimes when a small
space is designed for laundry, you lose out on those
wonderful additional features, such as drying racks.
Clayton Homes has alleviated this issue by installing
pull-out hanging racks or built-in storage above the
machines and off the floor.
• Bedroom luxury - Enjoy a home that segregates
the master bedroom and bath from the entertaining
HOUSING FOR SENIORS
areas
of the home. One way to make this private
OVER 62 YEARS OF AGE
space perfect is to install a beauty bar. It’s a vanity
Applications are now being accepted for spacious
station in the bedroom with a large mirror and chair
so one can comfortably prep for the day without
1 bedroom apartments conveniently located in the
constantly standing.
Town of Mayfield near the intersections of
Routes 29 and 30, just a short distance to
• Fun space - Many retirees finally have the time to
Broadalbin, Gloversville, Johnstown and
enjoy their hobbies to their full potential, and they’ll
need to designate a space in their new home to
Amsterdam. Apartments may be offered to
accommodate the activity. Maybe they’re interested in
income eligible one and two person households
physical fitness and need a place for equipment.
and include: wall to wall carpeting, appliances,
Sometimes a craft room is required so the grandkids
on-site laundry facilities, community spaces and
can
come over and put their creativity to good use.
parking, in a rural setting. For an application call
Entertaining is an option, too, and having a separate
(518) 883-3889 mornings or (518) 725-2114
room near the kitchen just for those planned
during regular business hours.
gatherings might be exactly what is needed.
This is an equal housing opportunity
By efficiently utilizing living space that is specifically
This project does not discriminate on the basis of race, color, national
origin, religion, sex, familial status or disabilities.
designed for their use, boomers can enjoy their retirement
years in a home that is built to suit their new active lifestyles.
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ZĞƉĞĂƚĞĚ ŚŽƐƉŝƚĂůŝǌĂƟŽŶƐ Žƌ ƚƌŝƉƐ ƚŽ ƚŚĞ ĞŵĞƌŐĞŶĐǇ ƌŽŽŵ
&ĂŝůƵƌĞ ƚŽ ΗďŽƵŶĐĞ ďĂĐŬΗ ĂŌĞƌ ŵĞĚŝĐĂů ƐĞƚ-ďĂĐŬƐ ŽĐĐƵƌ
ĞĐƌĞĂƐĞ ŝŶ ĨƵŶĐƟŽŶ ƌĞƋƵŝƌŝŶŐ ĂƐƐŝƐƚĂŶĐĞ ŝŶ ǇŽƵƌ ĂĐƟǀŝƟĞƐ ŽĨ ĚĂŝůǇ ůŝǀŝŶŐ ƐƵĐŚ ĂƐ
ǁĂůŬŝŶŐ͕ ĞĂƟŶŐ͕ ďĂƚŚŝŶŐ ĂŶĚ ĚƌĞƐƐŝŶŐ͘
ĞĐƌĞĂƐŝŶŐ ĂůĞƌƚŶĞƐƐ ʹ ƉĂƟĞŶƚ ŝƐ ĞŵŽƟŽŶĂůůǇ ǁŝƚŚĚƌĂǁŶ͕ ƐůĞĞƉŝŶŐ ŵŽƌĞ Žƌ ŚĂǀŝŶŐ
ŝŶĐƌĞĂƐĞĚ ĚŝĸĐƵůƚǇ ǁŝƚŚ ĐŽŵƉƌĞŚĞŶƐŝŽŶ
ĞĐƌĞĂƐĞĚ ĂƉƉĞƟƚĞ ĂŶĚ ǁĞŝŐŚƚ ůŽƐƐ
What are some signs that a person may be ready for hospice care?
KŌĞŶ ƟŵĞƐ ǇŽƵƌ ƉŚǇƐŝĐŝĂŶ ŝƐ ƚŚĞ ĮƌƐƚ ƚŽ ŵĞŶƟŽŶ ƚŚĞ ƉŽƐƐŝďŝůŝƚǇ ŽĨ ŚŽƐƉŝĐĞ ĐĂƌĞ͘ ^ŽŵĞ
ƉŚǇƐŝĐŝĂŶƐ ŚĞƐŝƚĂƚĞ ƚŽ ďƌŝŶŐ ƵƉ ŚŽƐƉŝĐĞ ďĞĐĂƵƐĞ ƚŚĞǇ ƐŝŶĐĞƌĞůǇ ǁĂŶƚ ƚŽ ƉƌĞƐĞƌǀĞ ŚŽƉĞ
ĨŽƌ Ă ĐƵƌĞ͘ &ƌĞƋƵĞŶƚůǇ͕ ƚŚĞǇ ǁŝůů ĐŽŶƟŶƵĞ ƚŽ ƉƵƌƐƵĞ ƚƌĞĂƚŵĞŶƚ ďĞĐĂƵƐĞ ƚŚĞǇ ďĞůŝĞǀĞ
ƚŚĂƚ ŝƐ ǁŚĂƚ ƚŚĞ ƉĂƟĞŶƚ ĂŶĚ ĨĂŵŝůǇ ǁĂŶƚ͘ /Ŷ ŽƚŚĞƌ ĐĂƐĞƐ͕ ƐƵĐŚ ĂƐ ǁŝƚŚ ĐŽŶŐĞƐƟǀĞ ŚĞĂƌƚ
ĨĂŝůƵƌĞ Žƌ ůƵŶŐ ĚŝƐĞĂƐĞ ;KWͿ͕ ĚĞŵĞŶƟĂ͕ ůŝǀĞƌ ĚŝƐĞĂƐĞ͕ ƌĞŶĂů ĨĂŝůƵƌĞ͕ ĞƚĐ͕͘ ŝƚ ŵĂǇ ďĞ
ĚŝĸĐƵůƚ ĨŽƌ ƚŚĞŵ ƚŽ ƉƌĞĚŝĐƚ ƚŚĞ ƌĂƚĞ ŽĨ Ă ƉĂƟĞŶƚΖƐ ĚĞĐůŝŶĞ͘ tŚĞŶ Ă ĚŽĐƚŽƌ ĚŽĞƐ ŵĞŶͲ
ƟŽŶ ŚŽƐƉŝĐĞ ĐĂƌĞ͕ ŚĞ Žƌ ƐŚĞ ŝƐ ƐŝŵƉůǇ ƉƌĞƐĞŶƟŶŐ ĂŶ ŽƉƟŽŶ ĨŽƌ ĐĂƌĞ ƚŽ ďĞ ĨŽĐƵƐĞĚ ŽŶ
ƐǇŵƉƚŽŵ ŵĂŶĂŐĞŵĞŶƚ ĂŶĚ ĐŽŵĨŽƌƚ͘ /Ŷ ŵĂŶǇ ĐĂƐĞƐ ƚŚŝƐ ƚǇƉĞ ŽĨ ĐĂƌĞ ŵĂǇ ĂĐƚƵĂůůǇ
ůĞŶŐƚŚĞŶ ůŝĨĞ ďǇ ŝŶĐƌĞĂƐŝŶŐ ƚŚĞ ƋƵĂůŝƚǇ ŽĨ ƚŚĞ ƟŵĞ ƌĞŵĂŝŶŝŶŐ͘ /ƚ ŝƐ ŝŵƉŽƌƚĂŶƚ ƚŚĂƚ ǇŽƵ
ĂŶĚ ǇŽƵƌ ĚŽĐƚŽƌ ƚĂůŬ ŽƉĞŶůǇ ĂŶĚ ƐŚĂƌĞ ƚŚĞ ƐĂŵĞ ŐŽĂůƐ ĨŽƌ ŵĂŝŶƚĂŝŶŝŶŐ ƋƵĂůŝƚǇ ŽĨ ůŝĨĞ͘
Will our physician tell us when it's time for hospice?
dŚĞ ďĞƐƚ ǁĂǇ ƚŽ ĚĞƚĞƌŵŝŶĞ ŝĨ ǇŽƵ Žƌ ǇŽƵƌ ůŽǀĞĚ ŽŶĞ ĐŽƵůĚ ďĞ ŚĞůƉĞĚ ďǇ DŽƵŶƚĂŝŶ sĂůͲ
ůĞǇ ,ŽƐƉŝĐĞ ŝƐ ƚŽ ĐĂůů ƵƐ ĨŽƌ ĂŶ ŝŶĨŽƌŵĂƟŽŶĂů ǀŝƐŝƚ Ăƚ ϱϭϴ-ϳϮϱ-ϰϱϰϱ͘ dŚĞƌĞ ŝƐ ŶŽ ĐŽƐƚ
ĂŶĚ ĐĂůůŝŶŐ ĚŽĞƐ ŶŽƚ ĐŽŵŵŝƚ ǇŽƵ Žƌ ǇŽƵƌ ůŽǀĞĚ ŽŶĞ ƚŽ ŚŽƐƉŝĐĞ ĐĂƌĞ͘ tĞ ǁŝůů ĐŽŵĞ ƚŽ
ǇŽƵƌ ŚŽŵĞ Žƌ ǇŽƵ ĐĂŶ ǀŝƐŝƚ ŽƵƌ EĂŶĐǇ ŽǁĚ ,ŽƐƉŝĐĞ ,ŽŵĞ͘ WĞƌŚĂƉƐ ƚŚĞƌĞ ĂƌĞ ŽƚŚĞƌ
ƌĞƐŽƵƌĐĞƐ ŝŶ ƚŚĞ ĐŽŵŵƵŶŝƚǇ ƚŚĂƚ ĐŽƵůĚ ďĞ ŽĨ ŚĞůƉ ƚŽ ǇŽƵ͕ ĂŶĚ ǁĞ ǁŝůů ŚĞůƉ ŐƵŝĚĞ ǇŽƵ͘
When to Call Hospice
ϭϬϴ ^ƚĞĞůĞ ǀĞ 'ůŽǀĞƌƐǀŝůůĞ͕ Ez ϭϮϬϳϴ
ǁǁǁ͘ŵǀŚĐĂƌĞƐ͘ŽƌŐ
ϱϭϴ-ϳϮϱ-ϰϱϰϱ
^ĞƌǀŝŶŐ &ƵůƚŽŶ͕ DŽŶƚŐŽŵĞƌǇ͕ ,ĂŵŝůƚŽŶ ĂŶĚ ^ĂƌĂƚŽŐĂ ŽƵŶƟĞƐ
ůƐŽ ŽƉĞƌĂƟŶŐ ƚŚĞ ϴ ĞĚ EĂŶĐǇ ŽǁĚ ,ŽƐƉŝĐĞ ,ŽŵĞ
DŽƵŶƚĂŝŶ sĂůůĞǇ ,ŽƐƉŝĐĞ
Can we call Mountain Valley Hospice even if we don't think it's "time"?
ďƐŽůƵƚĞůǇ͘ Ŷ ŝŵƉŽƌƚĂŶƚ ƉĂƌƚ ŽĨ ŽƵƌ ŵŝƐƐŝŽŶ ŝƐ ƉƌŽǀŝĚŝŶŐ ŐƵŝĚĂŶĐĞ ƚŽ ĨĂŵŝůŝĞƐ ĂďŽƵƚ
ĂŶǇ ĞŶĚ-ŽĨ-ůŝĨĞ ĐĂƌĞ ŝƐƐƵĞ͕ ǁŚĞƚŚĞƌ Žƌ ŶŽƚ ƚŚĞǇΖƌĞ ŝŶ ŽƵƌ ƉƌŽŐƌĂŵ͘ zŽƵ ĚŽŶΖƚ ŶĞĞĚ Ă
ƉŚǇƐŝĐŝĂŶ ƌĞĨĞƌƌĂů ƚŽ ĐĂůů ƵƐ ĨŽƌ ŝŶĨŽƌŵĂƟŽŶ͘ /Ĩ ŝƚ ĂƉƉĞĂƌƐ ƚŚĂƚ ŚŽƐƉŝĐĞ ĐĂƌĞ ǁŽƵůĚ ďĞ
ďĞŶĞĮĐŝĂů͕ ǁĞ ǁŝůů͕ ǁŝƚŚ ǇŽƵƌ ƉĞƌŵŝƐƐŝŽŶ͕ ĐŽŶƚĂĐƚ ǇŽƵƌ ĚŽĐƚŽƌ ƚŽ ĚŝƐĐƵƐƐ ŝƚ͘
zŽƵ ĂƌĞ ŽǀĞƌǁŚĞůŵĞĚ ďǇ ƚŚĞ ŵǇƌŝĂĚ ŽĨ ƉŚǇƐŝĐĂů͕ ĮŶĂŶĐŝĂů͕ ĞŵŽƟŽŶĂů ĂŶĚ ƐƉŝƌŝƚƵĂů
ĐŽŶĐĞƌŶƐ ĂƌŝƐŝŶŐ ďĞĐĂƵƐĞ ŽĨ ƚŚĞ ŝůůŶĞƐƐ͘
zŽƵ Žƌ ŵĞŵďĞƌƐ ŽĨ ǇŽƵƌ ĨĂŵŝůǇ ĂƉƉĞĂƌ ƚŽ ŶĞĞĚ ĞŵŽƟŽŶĂů ƐƵƉƉŽƌƚ ƚŽ ĐŽƉĞ ǁŝƚŚ ƚŚĞ
ƐĂĚŶĞƐƐ ŽĨ ƚŚĞ ƐŝƚƵĂƟŽŶ͘
zŽƵƌ ĨĂŵŝůǇ ŝƐ ĨĞĞůŝŶŐ ŝƐŽůĂƚĞĚ ďĞĐĂƵƐĞ ŽĨ ĐĂƌĞŐŝǀŝŶŐ ĚĞŵĂŶĚƐ Žƌ ƚŚĞ ƵŶĐĞƌƚĂŝŶƟĞƐ ǇŽƵ
ĨĞĞů ĂďŽƵƚ ǇŽƵƌ ůŽǀĞĚ ŽŶĞΖƐ ĨƵƚƵƌĞ͘
zŽƵ Žƌ ǇŽƵƌ ĐĂƌĞŐŝǀĞƌƐ ĂƌĞ ƉŚǇƐŝĐĂůůǇ ĂŶĚͬŽƌ ĞŵŽƟŽŶĂůůǇ ĞǆŚĂƵƐƚĞĚ ĨƌŽŵ ĐĂƌŝŶŐ ĨŽƌ
ǇŽƵ Žƌ ǇŽƵƌ ůŽǀĞĚ ŽŶĞ͘
How do you know if you or your caregivers could benefit from hospice care?
ĂƌŝŶŐ ĨŽƌ ǇŽƵƌƐĞůĨ ĂƐ ǇŽƵƌ ůŽǀĞĚ ŽŶĞΖƐ ĐĂƌĞŐŝǀĞƌ ŝƐ ŽŶĞ ŽĨ ƚŚĞ ŵŽƐƚ ŝŵƉŽƌƚĂŶƚ ƚŚŝŶŐƐ
ǇŽƵ ĐĂŶ ĚŽ͘ ,ŽƐƉŝĐĞ ƐƵƉƉŽƌƚƐ ƚŚĞ ͞ĨĂŵŝůǇ͟ ŝŶ ĐŽŶũƵŶĐƟŽŶ ǁŝƚŚ ƚŚĞ ƉĂƟĞŶƚ͘
What benefits will our family have from hospice?
ƚ DŽƵŶƚĂŝŶ sĂůůĞǇ ,ŽƐƉŝĐĞ͕ ǁĞ ĐĂƌĞ ĨŽƌ ĂŶǇŽŶĞ ǁŝƚŚ ŵŽŶƚŚƐ ǀĞƌƐƵƐ ǇĞĂƌƐ ƚŽ ůŝǀĞ͕ ĂŶĚ
ƐƵƉƉŽƌƚ ƚŚŽƐĞ ǁŚŽ ĐŚŽŽƐĞ ƚŽ ĐŽŶƟŶƵĞ ƌĞĐĞŝǀŝŶŐ ĐƵƌĂƟǀĞ ƚƌĞĂƚŵĞŶƚƐ͘ ŶǇŽŶĞ ĐŽƉŝŶŐ
ǁŝƚŚ Ă ƐĞƌŝŽƵƐ͕ ůŝĨĞ ůŝŵŝƟŶŐ ŝůůŶĞƐƐ ŵĂǇ ďĞ ĞůŝŐŝďůĞ ĨŽƌ ĐĂƌĞ͕ ƌĞŐĂƌĚůĞƐƐ ŽĨ ĮŶĂŶĐŝĂů
ƌĞƐŽƵƌĐĞƐ͕ ĚƵĞ ƚŽ ƚŚĞ ŐĞŶĞƌŽƵƐ ĐŽŵŵƵŶŝƚǇ ƐƵƉƉŽƌƚ ƚŚĂƚ DŽƵŶƚĂŝŶ sĂůůĞǇ ,ŽƐƉŝĐĞ
ƌĞĐĞŝǀĞƐ͘
"We wish we'd entered hospice sooner."
Patients and families can benefit most from
hospice care when they seek support earlier
rather than in a crisis.
When is someone "eligible" for hospice care?
Hundreds of times each year, patients and families tell us: