SENI RLIFE June 2011
An Anton Newspaper Supplement
AARP Spokesperson Betty White says “Get Over It”
Susan Lucci and Helmet Pledge to Get Serious About Strokes
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
All Wound Centers are not alike...
Center for Amputation Prevention, Advanced Wound Healing and Hyperbaric Medicine
St. Joseph Hospital is proud to announce that we have recently received accreditation from the Undersea and Hyperbaric Medical Society The couple is encouraging others to join them in learning more about AFib, understand how the condition affects their health or the health of a loved one and discuss ways to reduce AFib-related stroke with a doctor.
Susan Lucci and Husband Pledge To Get Serious About Stroke
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ore than 2 million Americans are living with a type of irregular heartbeat called atrial fibrillation (AFib), including the husband of award-winning actress Susan Lucci. People living with AFib have a nearly five times greater risk of stroke than those without the condition. Lucci and her husband, Helmut Huber, are now working to educate America about the condition through a national program called Facing AFib, Get Serious About Stroke(TM). The couple is encouraging others to join them in taking the Facing AFib Pledge to learn more about AFib, understand how the condition affects their health or the health of a loved one and discuss ways to reduce AFib-related stroke with a doctor. Since Huber was diagnosed with AFib more than a decade ago, the couple has been working with his doctor as a team to manage his condition and reduce his risk of stroke. “When I found out that the leading man in my life had AFib, I made a pledge to learn everything I could to understand the condition and to work with his doctor to manage it,” says Lucci. “We’re encouraging those touched by AFib to take steps to reduce the risk of stroke by consulting their doctors and visiting FacingAFib.com. We hope others will join us by taking the Facing AFib Pledge and getting serious about stroke today.” Atrial fibrillation is a potentially serious condition where the heart beats abnormal-
ly, which can result in the formation of blood clots. These blood clots can travel from the heart to the brain, where they can lead to a stroke. Strokes associated with AFib can be about twice as likely to be fatal or severely disabling as other types of stroke. But, the good news is this risk can be significantly reduced. “It’s important for AFib patients and loved ones to work with a doctor to develop a treatment plan that’s right for them,” says Dr. David Willis, Ocala West Family Medicine PA, Ocala, Fla. “I encourage anyone with AFib to speak with their doctor about their personal risk of stroke and ways to reduce that risk.” Patients and their loved ones can visit FacingAFib.com to take the pledge and join the AFib community to get serious about stroke. A state-by-state Facing AFib Pledge Map also allows visitors to see where others like them have taken the pledge. The website has helpful information, such as a stroke risk assessment tool and personalized doctor discussion guide. Facing AFib is a program to educate Americans about AFib. The program was introduced in September 2010 to facilitate improved communication between patients and healthcare providers. Facing AFib is supported by founding sponsor Boehringer Ingelheim Pharmaceuticals, Inc., along with partnering organizations, National Stroke Association and StopAfib.org. (ARA)
Travel Tips for Seniors Looking for A Hassle-Free Vacation
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tatistics are proving that age 70 really is the new 50. According to the U.S. Travel Association, mature travelers ages 65 or older represented 21 percent of all leisure travelers in 2010. From taking a trip with their grandchildren across country, to living out dreams in far, exotic destinations, today’s seniors are choosing to enjoy their golden years traveling. Staying safe and being prepared when traveling is more important than ever for this age group. Here are some special considerations for senior travelers looking for a hassle-free travel experience.
The Undersea and Hyperbaric Medical Society (UHMS), a complementary regulatory body of the Joint Commission, which indicates that the highest national industry standards and best practices in hyperbaric wound treatment have been achieved. The Center for Wound Care and Hyperbaric Medicine, managed by Candescent Healing, LLC, is the first and currently the only such center on Long Island (and one of only four centers in New York State) to meet this organization’s rigorous accreditation process. Not all wound management programs are alike. Upon admission to our Center, an interdisciplinary treatment team headed by a Center physician will conduct a comprehensive assessment of your condition. The results are used to develop a treatment plan that is customized to meet your needs.
Specialized Treatment of Limbs at Risk for Amputation What may be considered a “minor” problem for non-diabetics can be a significant risk factor for amputation in a diabetic patient. Just as some heart attacks are “silent,” foot problems are commonly “silent” attackers for people with diabetes. Foot ulcers, infections and circulatory problems place the limb at risk for amputation. St. Joseph Hospital (formerly New Island Hospital) provides outpatient and inpatient care for people with an at-risk limb. These patients require attention to their nervous system, cardiovascular system, immune system and orthopedic structures of the feet, as well as to their nutritional status and diabetic control.
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Pack Carefully
When packing for a trip, it’s important to be prepared. Some packing essentials include a comfortable pair of shoes, a hat and sunglasses to protect the face, clothing that you can wear in layers and any necessary personal items. Multi-purpose items, such as a scarf, which can also be used as a makeshift beach blanket, are always smart to pack and limit the weight of your suitcase. If you are taking an extended vacation, inquire about laundry options close to where you’ll be staying. (continued on page 22)
4295 Hempstead Turnpike, Bethpage, NY 11714 516-520-2788 • 516-719-3933 fax www.stjosephhospitalny.org
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
A Recognized Leader in Post Hospital Care
It is recommended that seniors should sign up for the Do Not Call List at www.donotcall.gov.
AARP Study: Key Behaviors Can Put Potential Fraud Victims at Risk
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or more of these activities. eemingly innocent consumer behaviors can make the difference bePredators in two leading scams may be tween staying safe and joining the targeting people with specific profiles. Inmillions of older Americans who become vestment fraud victims tended to be marvictims of fraud each year, according to a ried older men with higher incomes and a new study from AARP Foundation rehigher level of education. Lottery fraud leased May 23 at the National Association victims tended to be older, single men and of Attorneys General spring consumer women who were older with lower inprotection seminar. comes and lower education. The year-long study surveyed hundreds Underreporting of scams indicates that of people over 50 who consumer fraud is actuhave fallen victim to ally more prevalent than “After a lifetime of some of today’s most previously thought. prevalent scams, inAcross all victim doing all the right things cluding advance fee types, only one-quarter loan schemes, invest(25 percent) of victims to prepare for a ment cons, fraudulent over 50 actually recomfortable and business opportunity ported to an authority deals and lottery scams. that they had fallen for dignified retirement, Since most of the vica scam. too many older tims in the sample were Tips for older, the study comAmericans are having pared them to an older Avoiding Scams segment of the general their retirement security The study also offers population to see how ways that older Amerithreatened by they differed. cans can minimize Findings revealed the their risk of falling vicfinancial predators.” top behaviors that put tim to a potential scam, older Americans at risk; - AARP Foundation including: specific victim profiles President Jo Ann Jenkins. • Signing up for the for two leading scams; Do Not Call List at data that shows tens of www.donotcall.gov thousands of people may be reluctant to • Checking references of a business beacknowledge that they are victims or look fore making a buying decision for help; and simple prevention tips to cut • Developing a refusal script to help conchances of becoming a victim. sumers say no to risky buying situations “After a lifetime of doing all the right • Waiting 24 hours after a sales pitch things to prepare for a comfortable and digbefore making a buying decision nified retirement, too many older Ameri“Con artists can be incredibly nimble cans are having their retirement security and sophisticated, and it’s difficult for threatened by financial predators,” said people to spot and stop every pitch,” said AARP Foundation President Jo Ann JenkAARP Washington State Director and ins. “For anyone who has been or wants to study co-author Doug Shadel. “Our reavoid becoming a victim of fraud – espesearch has shown that avoiding some of cially those who might be suffering in sithese common sales situations and taking lence – you are not alone, and we can help.” a few simple preventative actions can go a long way in protecting our pocketKey Findings books.” Top behaviors that put 50+ consumers AARP is encouraging its members and more at risk. The report identified some all older Americans to be on the lookout key activities that can put people at greater for signs of consumer fraud to protect risk of become fraud victims, most notably: themselves, as well as their friends and • Opening and reading all junk mail family. For more information on avoiding • Attending free lunch seminars scams and fraud, visit http://www.aarp.org/ • Entering drawings to win a free prize money/scams-fraud/. • Inviting salespeople into the home “Our vigilance shouldn’t just stop at Almost two-thirds (65 percent) of older our own doorsteps,” Shadel said. “As the fraud victims participated in at least two survey showed, many of our older family of these activities, compared to just over members or loved ones may have been half (51 percent) of older Americans scammed but are not reporting it. It’s imoverall. Older fraud victims (19 percent) portant that we pay attention to whether were almost twice as likely as all older or not someone we care about may be Americans (11 percent) to engage in four putting themselves in harm’s way.”
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Consumer Reports Offers Free Guide to Medicare
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
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North Shore
Cosmetic & Implant
Dentistry
“North Shore Cosmetic & Implant Dentistry is Your Source for Periodontal Wellness” • Are you concerned about your oral health? • Do you have a family history of Peridontal Disease? • Are you on a fixed income? • Are you a diabetic or do you have a family history of diabetes? • Do you have heart disease or a family history of heart disease?
If you answered yes, please contact our office to
schedule an appointment for a consultation. North Shore Cosmetic & Implant Dentistry offers an alternative to periodontal treatment. We offer many varieties to metal and non-metal implants. Older Americans are living longer and healthier lives. Recent studies have shown a link between periodontal diseases and diabetes and cardiovascular diseases, which are major causes of death among the elderly population.
New Benefits Such As Drug Discounts And Free Health Screenings Available
free guide to the changes in Medicare created by the Affordable Care Act is available from Consumer Reports. The 15-page guide is easily downloaded in pdf format or can be ordered by phone. The guide - “Medicare: 6 Things You Need to Know Now” – is for those about to reach age 65 and become eligible for Medicare, or those that have used the program for years. “This guide will help people navigate the changes in Medicare and take full advantage of new services available under the law,” said Jim Guest, President of Consumers Union, the nonprofit publisher of Consumer Reports. “Whether you have Medicare, you’re about to be eligible, or have a loved one in the program, the guide helps you sort through what’s new in today’s system. With new benefits such as drug discounts and free health screenings available, this guide explains how you can make the most of them.” The 15-page guide, CU says, provides “easy-to-understand” information about changes in Medicare: • If you have Medicare and struggle with the cost of prescription drugs, the guide explains the sizable drug discounts now available when you reach the gap in Medicare drug plans known as the “doughnut hole.”
Visiting a dentist is the most important doctor’s visit you can have. “A healthy mouth is a healthy body.” At North Shore Cosmetic & Implant Dentistry we understand that dental insurance decides whether or not you receive dental care, which is we offer flexible payment plans.
• For those who have skipped preventive-care visits to the doctor because they could not afford them, the guide describes the free and low-cost coverage options for certain preventive services, such as annual wellness visits, mammograms and prostate cancer screenings, and flu shots. • The guide explains the changes in Medicare Advantage plans, such as new limits on your annual out-of-pocket costs. • If you have relatively high income, the guide takes you through important changes in what you pay. • Beginning this year, the open enrollment period for changing Medicare plans is starting and ending earlier, and the guide helps you check the new dates and understand your options. • If you are about to turn 65, you can find out what you need to know before signing up for Medicare. • The back of the guide offers an indepth resource section with contact information for key agencies that can answer your specific questions about Medicare, including toll-free numbers for help in every state. “Medicare: 6 Things You Need to Know Now” is available free for a limited time at ConsumerReports.com or call tollfree 1-855-CR-GUIDE.
ESTATE PLANNING, ESTATE ADMINISTRATION, LITIGATION and ELDER LAW
We welcome you to come in for a comprehensive exam of teeth, gums, early detection, and oral health problems.
We offer the following: Our clients know we care.
• Systemic- Wellness Dental Care • Mercury Free Dentistry • TMJ Disorder & Treatment • Non Surgical Periodontics • Invisalign & Orthodontics • Dental Implants, Mini-Implants • Sleep Apnea • Dentures • Low Interest Financing
They turn to us for legal expertise and personalized solutions to the difficult issues they face. Let us help you or your family.
• Asset Preservation & Planning: minimize estate tax liability • Creation & Implementation of Trusts: protect and preserve assets.
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Dr. Jonathan Richter, D.D.S., F.A.G.D., Dr. Richter has appeared on Fox, NBC and ABC Dr. Stephanie Saraniti, D.D.S. Dr. David Rhee, D.D.S. Dr. Gianna R. Ferranti, D.D.S.
• Preparation of Medicaid Applications • Preparation of Wills, Health Care Proxies & Powers of Attorney • Let Us Represent You - Guardianship, Probate, Contested Wills
We are bilingual in Spanish & Korean We are available 24 hours for on call emergencies. The health of your mouth can say a lot about your overall health, and a dentist may be the first person to spot sign of a health problem.
310 Old Country Road, Suite 101 Garden City, New York 11530
North Shore Cosmetic & Implant Dentistry
Lawrence N. Berwitz, Esq. Maureen Rothschild DiTata, Esq.
310 East Shore Road • Great Neck, NY 11023 T: (516) 282-0310/F: (516) 282- 0313 E: jonathanmrichter@aol.com 72135
Telephone: (516) 747-3200 Facsimile: (516) 747-3727 www.berwitz-ditata.com
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
Dr. Mary Carlson Foot and Ankle Specialist
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TO YOUR HEALTH By Richard H. Blau, M.D., F.A.C.R.
Food For Your Joints Every part of your body requires proper nutrition to maintain good health. Your joints are no exception. What you eat can not only help maintain joint health, but also may improve inflamed and painful joints and muscles. Most people know that foods that are high in cholesterol or contain saturated fats are bad for your heart. But do you know that certain foods can be pro-inflammatory and bad for your joints? The good news is that many foods can be anti-inflammatory and improve joint pain and swelling. So who are the bad food guys? We can divide these foods into two categories: unfavorable fats and unkind carbs. Unfavorable fats include any fats that are solid at room temperature. The list includes saturated fats, such as those you find in meats, dairy products, and some vegetable oils, such as palm and coconut. It also means trans fats (trans fatty acids), which are unsaturated fats with hydrogen adds. The problem with all of these fats is not so much that they’re inherently “bad”, but that they contain two types of inflammatory
fatty acids, called omega-6’s (particularly one called arachidonic acid, which plays a major role in arthritis) and omega 9’s. We generally eat far too many omega-6’s and omega-9’s.
preventing abnormal heart rhythms. As for their effects on arthritis, researchers have recently shown that they have benefits as strong as most non-steroidal anti-inflammatories.
Unkind carbs are those that cause the volume of glucose in your blood to rise way too fast and way too high. Just stay away from: processed sugars, processed grains, and processed cereals. Most ‘white’ foods, such as milled flour, pasta, and white rice, fall into one of these categories. Unfortunately, potatoes are also on the list of unkind carbs, even if they’re not processed. So is corn.
Here are some excellent sources of omega-3’s: Cold water, oily fish (wild salmon, cod, tuna, trout, mackeral, herring, sardines, halibut), flax seeds (ground into meal) and flax seed oil. Other sources include walnuts and walnut oil, canola oil (rapeseed oil), pumpkin seeds and pumpkin seed oil, free-range chicken, free-range beef, broccoli, pinto, navy beans, kidney beans, chia, purslane, and Lingonberry.
Which ones are the favorable fats? These fats contain omega-3 fatty acids. These acids produce a powerful anti-inflammatory action in the body. Not only can they help you control the pain and progression of your arthritis, but some scientific studies have suggested they may also help keep your heart healthy by suppressing inflammation and blood clotting in your blood vessels, reducing your cholesterol levels, lowering your blood pressure, slowing the growth of fat deposits on your artery walls, and
Our goal as rheumatologists is to help our patients return to a vibrant, functional way of life and avoid surgery. This can often be done with a combination of proper diet, dietary supplements, excercise, and medication. This combined approach has revolutionized the treatment of arthritis. It is important to always check with your medical physician before beginning any diet or dietary supplement program. One solution is not right for every-
one. Often it may take a combination of treatments to help you with your arthritis. An evaluation by a rheumatologist (arthritis specialist) may be helpful to find out which treatment is right for you. Rheumatologists are specifically trained to diagnose all types of arthritis. Their experience allows them to design individualized treatment programs for patients with arthritis. Just released: Dr. Blau’s acclaimed arthritis self-help book entitled, “Too Young to Feel Old”. Available online and in all major bookstores. Dr. Richard Blau is a board certified rheumatologist and medical director of the Arthritis Institute of Long Island®, located in Hicksville. For your complimentary copy of “The Joint Approach - An Arthritis Overview”, please call 516-932-7777. www.arthritisinstitute.com
Copyright 2007
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Easy to See and Use Senior Phone
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napfon™ a division of VisiKeyÂŽ LLC has released a new mobile/cellular telephone aimed at the senior citizen marketplace. This new phone called the “Snapfon™ ez ONEâ€? is specifically designed to be both easy to see and easy to use. By combining large text and large keys with an easy to read display this phone simply makes all aspects of calling easier, and is still a small, attractive, and convenient device. “We feel there is a growing group of cell phone users that want a phone to just be a phone, not a music player, camera, or mini-computer. We have incorporated a few unique features into our Snapfon™ product such as an SOS button that calls up to four emergency contacts and keeps calling in rotation until you get an answer, a high intensity LED flashlight, and even an FM radio. All of which are present for safety and convenience reasons. We are seeing a greater focus on safety as our population ages, and a growing desire for emergency response devices,â€? said company founder and President, Phil Sieg. The Snapfon™ ez ONE also has other specialized features such as a speaking keypad function that allows users to hear the outbound phone numbers in a clear speaking voice as they are being dialed. This function is especially important to low vision users. The Snapfon™ ez ONE is available through both the Snapfon™ website (http://www.snapfon.com) and Amazon.com. The phone is priced at $99.99 and is an unlocked phone that can be moved between service providers if the user decides to change plans. It is currently being
SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
Taking action toward your retirement goals Philip G. Palumbo
UBS Financial Services Inc. 333 Earle Ovington Boulevard, Suite 600 Uniondale, NY 11553 ubs.com/fs
A complimentary seminar to help you plan your way to a comfortable retirement Increased inflation. Longer life. Rising healthcare costs. Managing income. These are all part of the new realities of retirement, and the reason why you should attend. Taking action toward your retirement goals. Specifically focused on your retirement needs and objectives, the seminar presents ideas on how you can prepare for and manage the many changing circumstances on the road to retirement, and answers challenging questions such as: existing assets? your retirement, which for many of us could be thirty years or more? inflation and rapidly rising health care costs?
Please join us for this exclusive seminar.
Wednesday, July 13th at Matteo’s Wednesday, August 3rd at La Pace 777 W Beech Street Long Beach, New York 11561 516-432-8101 @ 6:30 pm With its large keys and print, making a call with “Snapfon™ ez ONEâ€? is much easier for many seniors.
sold without service but can be used on the AT&T and T-Mobile GSM networks as well as all other GSM cellular networks in the USA and Canada.
51 Cedar Swamp Road Glen Cove, New York 11542 516-671-2970 @ 6:30 pm
Complimentary dinner will be served. Guests are welcome. Host and speaker Philip G. Palumbo, CFPŽ Vice President–Investments RSVP Philip G. Palumbo - 516-745-8849 • philip.palumbo@ubs.com Neither UBS Financial Services Inc. nor any of its employees provide legal or tax advice. You should consult with your personal legal or tax advisor regarding your personal circumstances. As a firm providing wealth management services to clients, we offer both investment advisory and brokerage services. These services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. For more information on the distinctions between our brokerage and investment advisory services, please speak with your Financial Advisor or visit our website at ubs.com/workingwithus.
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
If all hospitals treated women as well as Winthrop, another 40,000 lives could have been saved. ®
A recent landmark study* by HealthGrades , the leading independent health care ratings organization, of over 5 million Medicare patient records reveals some alarming facts. Following a heart attack, for example, women receive far fewer surgical interventions than men. And when they do, women suffer a 30% higher death rate. Other disturbing disparities were found across 16 of the most common procedures among women.
Winthrop is the only hospital in Nassau and Suffolk to ® receive the HealthGrades 2011 Excellence Award for Women’s Health.
But women are not powerless. The study made it clear that a small percentage of hospitals is doing a far superior job for women. And saving thousands of lives. Only one of these elite institutions is located in Nassau and Suffolk counties – Winthrop-University Hospital. Your health means everything. To you and to your family. Educate yourself about this critical study at winthrop.org. And call 1.866.WINTHROP for a physician referral.
259 First Street, Mineola, New York 11501 • 1.866.WINTHROP • winthrop.org 72193
*Women aged 65 years and older, 2007-2009.
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
“No one treats or cares for you better than we do !”.
MARY MCDONALD
MICHAEL MCBRIDE
We are devoted to three simple words
DIGNITY HONOR AND
RESPECT NEW HYDE PARK’S FIRST FUNERAL HOME
506 Lakeville Road New Hyde Park, NY 11040 516-352-8989 www.nhpfh.com
JOSEPH SMOLENSKI, Jr.
Dear Mr. Smolensk
JASON LATKA
i,
My mother Lucille Tulimiero passed away on May 21, Since I am a very 2011. close friend of your daughter Dina, an spoken about this d we had prio known wha t a grea r, I called her right away. I ha ve al w ays t family you ha ve from my friendship wonderful caring with your daughter. From th at moment on the family business to Smolenski ok care of ever ythi ng. Michael arrived sh ortly thereafter an d handled ever ythi calm respectful m ng in a anner. The next day I met Mar y who became the calm in the st assuring that ever orm y detail was discus sed. She is a refle kind consideration ct ion of the your company give s to those in their darkest hours of gr ief. Mar y was war m, in all phases of th e process and paid kind and compassiona te attention to our ev er y wish. On the morning of the funeral we drov e past my mothers home. As we did Michael got out of the car to lay a rose on he and I knew we wer r doorstep e in the kindest of hands. His parting the mourners at th words to e grave site were a surprising and be ending to the cele autiful bration of her life here on earth. There are truly no t enough ways to thank you for your kindness. With man y thanks and love,
The above unsolicited, and Mrs. DonnaisNan to us eg ry gratifying lett demonstrates th ri. This letter, and manay ve er fr le tt at “N o o ne eats or care ers like it, clearly om we do !” couldn s ’t be more trtr for you better th ue. Thank an Joseph R. Smole nski, Jr. Presiden You Mrs. Negri, t, CEO 72354
SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
Life is in full bloom at Jefferson’s Ferry
Life blooms at Jefferson’s Ferry. Right now is a special time of joy, with a sense of vibrancy and renewal.
Jefferson’s Ferry is redefining what it means to be Long Island’s premier retirement living community— affordable, maintenance-free, gracious independent living in a social and dynamic environment, with the security that comes with having all levels of care on-site should you ever need it. With a great location and the peace of mind that comes with Lifecare, Jefferson’s Ferry is as nice and amenityladen as any resort, yet it’s comfortable and inviting—just like home. Now is a special time to see our community, and find out more about Lifecare and Jefferson’s Ferry.
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‘Get Over It’ Says Betty White
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
Betty White Teams Up with AARP to Spread the Message That Age Is Just a Number
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merican icon and eternal Golden Girl Betty White is at it again, teaming up with AARP to urge Americans worried about getting older to “Get Over It.” As feisty as ever, she stars in a new campaign — including broadcast ads and online videos — that encourages people to get rid of obsolete stereotypes about aging and laugh along the way. White’s ascension to becoming a cultural institution — winning six Emmy’s through breakthrough roles on the Mary Tyler Moore Show, The Golden Girls and even Saturday Night Live, all after the age of 50 — offers living proof that age shouldn’t define who you are. “Turning 50 and joining AARP can be the start of a great new part of your life,” said White. “It doesn’t mean you’re getting old. I think age is what you make of it — just look at me! I’m going to hang out as long as anybody will pay attention.” “Betty truly embodies what we’ve been hearing from our members for years: that age is just a number,” said Steve Cone, Executive Vice President, AARP. “She’s embracing her age and defying stereotypes and limitations often associated with the number of candles on your birthday cake. We think that’s something that will resonate with our members and all Americans 50+, and we couldn’t be happier to work with her to break through the misperceptions that keep people from taking advantage of all that AARP offers.” People who call AARP to register will also be greeted with a message from her. A national sweepstakes will also offer the chance to win a trip to Hollywood to meet White on the set of TV Land’s Hot In Cleveland. No purchase or membership is required to enter the sweepstakes, but people who join or renew AARP membership through specific campaign promotions will automatically be entered into the sweepstakes. See details and official rules at aarp.org.
“Turning 50 and joining AARP can be the start of a great new part of your life,” said White. “It doesn’t mean you’re getting old. I think age is what you make of it — just look at me! I’m going to hang out as long as anybody will pay attention.”
Added White, “I was just getting warm when I was 50. Now I’m hot, in Cleveland. I’m not done, and probably neither are you, and AARP can help us get to what’s next.” For more information about AARP, visit aarp.org.
Stay close to home in the community you love, near family and friends, and enjoy all you’re accustomed to at The Regency. From spacious rooms to fabulous friendships to five star dining – The Regency offers unmatched value and amenities.
Empire State Association of Assisted Living
Member Residence
Call
516-674-3007 today to schedule your personal tour.
A N Y S L I C E N S E D A D U LT C A R E FA C I L I T Y 94 School Street, Glen Cove, NY 11542 • Tel. 516.674.3007 • Fax. 516.674.4144
www.theregencyatglencove.com 72251
OCLI Surgeons Perform First Laser Cataract Surgeries In NY Metropolitan Area
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phthalmic Consultants of Long Island doctors Eric Donnenfeld, Gerard D’aversa, Robert Broderick, Russell Fumuso, David Nelson, Henry Perry and Stanley Berke have performed the first cases on Long Island using Femtosecond Laser for customized refractive cataract surgery. Long Islanders now have access to laser cataract surgery using the Alcon LenSx® Femtosecond Laser. Cataract surgery is the most performed operation in the U.S. with over 3 million cases performed annually. Today, vision following cataract surgery may be significantly enhanced with the implantation of a lens designed to correct refractive error. The addition of this revolutionary laser technology adds a new level of precision and predictability to the procedure that was not possible with conventional manual surgery. Each eye is different in terms of size, depth, curvature of the cornea and other key features. Before cataract surgery, every eye is carefully measured and mapped. The LenSx laser uses a combination of advanced technologies to capture incredibly precise, high-resolution digital images of the eye. These images, measurements and data they provide are used to plan and perform a surgery to exacting specifications that were previously unachievable with traditional (manual) cataract surgery. “Laser refractive cataract surgery is without a doubt the most technologically advanced option for cataract patients,” said Dr. Eric Donnenfeld. “Before this technology was available, many of the most challenging steps during cataract surgery were performed manually with a blade. With the LenSx laser, we can offer our patients a truly premium experience with the precision and reliability of a laser for refractive cataract surgery. To learn more about customized laser cataract surgery or to schedule an appointment with an OCLI cataract surgeon, please contact 1-866-SEE-OCLI (1-866-733-6254). Appointments are available in Manhasset, Rockville Centre, Lynbrook, Valley Stream or East Meadow.
Small Publisher Targets Big Senior Citizen Book Market
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n average, 7,000 U.S. citizens turn 55 each day. “The already large senior book market is getting bigger every day,” said David Peterka, author and founder of The Senior Sleuth Guides. “It seemed odd that there weren’t already more books written specifically for senior citizens. We plan to fill that void with our titles.” Conifer Books, publisher of The Senior Sleuth Guides, plans to release 55 new senior titles in the next five years. The first title, The Senior Sleuth’s Guide to Technology for Seniors, was released in 2009. “I admit that the 55 book target is a bit of a gimmick,” Peterka said, referring to the 55-year entry age into the senior demographic. “We’re a small publishing company, so that’s an aggressive goal for us. But we’re committed to that number as a minimum target. If sales go really well, we’ll expand our titles into even more senior subjects.” Conifer Books was established in 2009 in the midst of the economic recession. “We’re not as brave, or as foolish, as that makes us sound,” Peterka said. “Advances in print and distribution technologies have really democratized the publishing business. You can launch a new book on a national or even international stage for a relatively small investment. The key is to publish a good book. This is especially true for the senior market where some 90 percent of seniors participate in word-of-mouth viral marketing. If a product is good, they tell their friends.” The Senior Sleuth’s Guide to Technology for Seniors, the first Senior Sleuth Guide, provides a comprehensive look at
The Senior Sleuth’s Guide to Technology for Seniors, was the first book in the series published by Conifer Books.
those technologies that enrich the senior citizen experience. This book covers a broad range of topics of interest to seniors and their caregivers including computers, the Internet, health and medication management, independent living, modern communication, travel, and fun. The Senior Sleuth’s Guide to Technology for Seniors is available on Amazon.com and special order through most bookstores. Conifer Books is a small family-owned publishing company based in Colorado. You can learn more about The Senior Sleuth Guides at www.sleuthguides.com.
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
Th e wait is over at The Am st erda m . You’ve heard about it. You’ve read about it. But if you haven’t actually seen it, then now is the time. Nassau County’s first and only true life care senior living community is open! From independent residential apartment homes to enriched housing, memory support, skilled nursing and rehabilitative services in The Isaac H. Tuttle Center, all levels of service are open and welcoming residents. Discover The Amsterdam’s breathtaking beauty and meticulously planned services and amenities, and see for yourself how appealing your retirement future can actually be.
Nassau County’s First And Only Life Care Community
NOW OPEN
To learn more, call 1-800-653-5985 for dates and times of upcoming informational seminars.
300 E. Overlook | Port Washington, NY 11050 | www.theamsterdamatharborside.com
Sponsored by Amsterdam House Continuing Care Retirement Community, Inc., furthering a 139-year tradition of quality and excellence.
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Model apartments now available for viewing. Call us today to schedule a tour.
Straighten Up Your Life!
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
RONALD J. LOPINTO MD
MARIO J. FRACASSA MD
Board Certified Ophthalmologists Servicing Local Community for Over 40 Years Thousands of Surgical and Laser Procedures Performed Dr. LoPinto is one of the first surgeons in the northeast to perform cataract surgery utilizing the Alcon LenSx Femtosecond Laser, the first FDA approved femtolaser for cataract surgery. Until now, cataract surgery has exclusively been done with a handheld blade and ultrasound energy, certainly excellent technology, but the femtosecond laser brings the level of technology to a higher level of precision. With computed enhanced safety and accuracy, the laser creates the incisions allowing access to the cataract and then softens the lens as well. With the availability of premium intraocular lens implants, cataract surgery can now be customized for one’s individual needs.
Dr. Ronald LoPinto
State-of-the-Art Ophthamology Care Cataract Surgery with Premium Intraocular Lenses Laser Reflective Surgery-Lasik-PRK Glaucoma • Diabetes • Macular Degeneration Routine Visits Contact Lenses All Ages Examined Same Day Emergency Visits Weeknight and Saturday Hours We Accept Most Medical Insurance 732 Old Country Road, Plainview, NY 11803 Phone: 516.822.3911 Fax: 516.822.3983 www.lopintoeye.com
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s the 21st century moves forward, it is a well-accepted fact that as longevity expands and baby boomers age, the proportion of the population age 65 and older will continue to rise to levels never seen before. Although overall health for baby boomers and seniors is better than in previous decades, these populations are still at risk of loss of independent function due to inactivity or leading a sedentary lifestyle. A large body of literature has accumulated about the benefits of exercise to maintain function in older adults. Of special interest is evidence that muscle-strengthening exercises can reduce the risk of falling and fracturing bones, and can improve the ability to live independently. Regular exercise aids in the prevention and treatment of diseases. Exercise also reduces complications from diabetes and heart diseases, and has also been shown to lower systolic blood pressure. The appropriate recommendation for physical activity for older adults is a goal of 30 minutes of moderate-intensity activity 5 days per week (i.e. gardening for 30-45 minutes or walking 1.5 miles in 35 minutes). However, data also shows meaningful health benefits and health care cost savings even for those who exercise at levels less than 30 minutes/day. It is imperative that you have a medical evaluation by your physical therapist or physician before initiating any change in your physical activity program. Physical activity includes several different components: aerobic activity, strength training, balance training, and stretching. It is recommended that aerobic activity be performed for 30 minutes most days of the week. Aerobic activity should initially be for a short duration and may be as simple as walking within the home. The goal is to progress to longer durations at faster speeds (ie speed walking around a track or bicycle
riding). Strength training should occur at a frequency of two to three times per week and may use hand/ankle weights, resistance bands, or no weights at all. Benefit may be seen initially with 2 sets of 10 repetitions. If tolerated, a third set may be performed after a brief rest period. The goal of strength training is to fatigue the muscle; never to cause pain! Exercises, such as Tai Chi, yoga, and Pilates, help to improve balance, strength, coordination and endurance. All of these exercise techniques compliment one another and help to reduce your risk of falls in addition to making you feel more stable when standing/walking on uneven terrain. Stretching exercises help to improve flexibility and should be performed at least 3 days per week, while holding each stretch for a count of 30 seconds, 2 repetitions. As we age, the muscles in the front of our bodies get tight, pulling our heads forward, while the muscles in our back weaken. This muscle imbalance leads to poor posture and may actually result in a physical functional decline. This in turn can lead to: difficulty getting up from low surfaces or chairs without arms; trouble climbing stairs; chronic aches and pains (i.e. trigger points or “knots” in the muscles); or can even prevent vital organs from effectively functioning (i.e. expansion of the lungs). By increasing your postural awareness you will see: improved balance and less falls, increased strength and endurance, improved golf game, and increased time spent with your family. So straighten up your life! Improve your posture and improve your lifestyle! For more information, and to schedule a free postural evaluation with a licensed physical therapist, call Metro Physical Therapy 516-745-8050 to schedule an appointment in one of our convenient locations: Garden City, Great Neck, Roslyn and Bellmore.
Are you caring for someone with Alzheimer’s disease? The Long Island Alzheimer’s Foundation Can Help. Serving Alzheimer’s Families Since 1988, LIAF Offers: • Caregiver Support Groups • In-Home Respite Services • Social Adult Day Programs • Cognitive Stimulation & Socialization Programs for Early-Stage Individuals • Counseling, Information and Referral Services • On-site Physical Therapy • Door-to-door transportation available Keep your brain sharp! Learn about our NEW Brain Fitness Program sessions designed for those concerned about brain health but not diagnosed with a cognitive disorder. For more information, please call LIAF at (516)767-6856. LIAF 5 Channel Drive, Port Washington, NY 11050 Phone: (516)767-6856 www.liaf.org Check us out on Facebook!
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
METROPOLITAN PHYSICAL & AQUATIC THERAPY Sherri Glasser, PT,MS Titleist Performance Institute Certified Golf Medical Professionals
• 1 on 1 Pool & Manual Therapy • Orthopedic Therapy & Sports Specific Programming • Balance & Vestibular Rehab • Urinary Incontinence & Pelvic Pain for Men & Women • Golf Fitness and Tennis Rehabilitation
• Pediatric Physical Therapy • Spine & Arthritis Therapy • MS & Parkinson’s Disease • Oncological Therapy • Incorporating Yoga, Pilates & Tai-Chi Concepts • Massage & Occupational Therapy
FREE BALANCE SCREENING USING COMPUTERIZED BIODEX BALANCE SYSTEM FOR ATHLETES AND SENIORS TRANSPORTATION & HOMECARE PROVIDED TO LOCAL COMMUNITY
Convenient Hours: Monday thru Friday, 8:00 am - 8 pm Saturday and Sunday by Appointment 2140 Bellmore Ave. Bellmore, NY 11710 (516) 586-5533 Fax: (516) 586-5531
Sid Jacobson JCC 300 Forest Drive East Hills, NY 11548 (516) 626-8787 Fax: (516) 626-8789 POOL
800 East Gate Blvd. Garden City, NY 11530 (516) 745-8050 Fax: (516) 745-6766 POOL
333 East Shore Rd. Manhasset, NY 11030 (516) 466-9730 Fax: (516) 466-1228
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Visit our website at www.metropt.com
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Seniors Have a New Resource to Research Assisted Living Housing Options
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
he Assisted Living Facilities website strives to offer consumers as much unbiased information as possible relating to assisted living as it is defined by a specific state. AssistedLivingFacilities.org is a website to help senior citizens become more educated consumers as they make the decision to migrate from an independent living situation into assisted living housing. The transition into senior housing is one that brings along with it many questions and Assisted Living Facilities is a resource geared towards informing potential assisted living residents to alleviate concerns. Over the last couple of decades, assisted living has emerged as an ideal private pay senior housing option for the elderly no longer able to live independently but also not in need of 24hour medical care, such as that offered in a nursing home. However, since assisted living is regulated at the state level, and not nationally, differing licensing requirements and different terminology exists between states throughout the country. This is where Assisted Living Facilities tries to educate and inform. Assisted Living Facilities strives to offer consumers as much unbiased information as possible relating to assisted living as it is defined by a specific state. The assisted living directory contains all the licensed facilities for each state, over 40,000 nationwide. In addition, the specific state requirements are explained in detail while the specific state contacts are also offered for further research. Using this information, a senior or family member can
Since assisted living is regulated at the state level, differing licensing requirements and different terminology exists between states. This is where Assisted Living Facilities tries to educate and inform.
Doctor Helps LEGALLY BLIND to Read & Drive!
Bioptic Telescopic Glasses Help Visually Impaired Woman to Keep Driving
Ethel Stroope, who suffers from macular degeneration sought help from a low vision optometrist for reading, watching television and movies and for seeing street signs at a distance. Bioptic telescopic glasses were prescribed to help Ethel see clearer from a distance. “Dr. S has made it very easy for me to continue my activities both at home and on the road with these glasses.� “I should have done this two years ago�, says Ms. Stroope.
By Elena Lombardi Freelance Writer
Dr. Steven Schoenbart helps macular degeneration sufferers with reading, driving, TV and maintaining independence. Just because you have macular with visually impaired patients in Long degeneration (or other vision-limiting Island and Manhattan. conditions) doesn’t always mean you “People don’t know that there are doctors who are very experienced must give up driving or reading. in low vision care.� For Ever look
through a pair of example, Dr. Schoenbart has field glasses or out everything and been practicing low-vision binoculars? Things anything possible care for more than twentyto keep a person look bigger and closer, five years and is New York functioning.“ State Certified in Low Visionand easier to see. A Rehabilitative Optometry. New York optometrist, Macular Degeneration is the Dr. Steven Schoenbart, and other members of the International most common eye disease among Academy of Low Vision Specialists, are using seniors. The macula is one small part miniaturized binoculars or telescopes of the entire retina, but it is the most to help people who have lost vision sensitive. When it degenerates, ARMD from macular degeneration, diabetic leaves a blind spot right in the center of vision making it impossible to retinopathy or other eye conditions. “Some of my patients consider recognize faces, read a book, or pass me the last stop for people who have DMV’s vision test. “In some states, Bioptic Telescopic vision loss�, said Dr. Schoenbart, a low vision optometrist who works extensively Glasses can be used to pass the vision
research all licensed assisted living communities in their area, and use the available information to help make a more informed decision in their senior care selection process. The website also operates a comprehensive senior care blog that offers helpful information and advice from authors experienced in the senior care industry. Each blog author brings a different viewpoint from within the senior care industry, whether it’s a former nursing aide with eldercare experience, a caretaker whom has experience with the assisted living selection process, or an industry author and researcher. Blog topics range from assisted living industry news, senior care company spotlights, to specific posts such as one offering advice to seniors for dealing with loneliness while living in assisted care homes. On Assisted Living Facilities, seniors can learn from one another. An eldercare question and answer section allows consumers to research previously posted questions and answers to those questions, as well as asking their own. In many cases, seniors considering the move into assisted living share the same concerns and by being able to review and research what others in the same situation have asked, they can gain clarity. Over time, Assisted Living Facilities will be adding assisted living facility reviews, more expanded and in-depth senior care company profiles, more analysis of various senior healthcare statistics and cost information and other helpful eldercare information. Visit AssistedLivingFacilities.org for more information.
test for driving�, says Dr. Schoenbart. “This can allow some with conditions like macular degeneration or diabetic retinopathy to continue driving�. “Our job is to figure out everything and anything possible to keep a person functioning,� says Dr. Schoenbart. “Whether it’s driving, reading, TV, seeing faces, check writing, bingo or bridge. We work with whatever is on the persons “wish list�. Telescopic glasses cost between $1500 and $2500 and reading glasses can cost between $500 and $1500. Every case is different because people have different levels of vision and different tasks on their “wish list�.
Dr. Schoenbart currently sees patients in Garden City and in Manhattan and will see patients soon in a new Riverhead location. Dr. Schoenbart offers a free telephone interview to determine if low vision glasses will help.
CALL TOLL FREE (516) 794-0704 or visit,
www.SchoenbartVisionCare.com. Dr. Steven Schoenbart, OD 901 Stewart Avenue, Suite 202 Garden City, NY 11530 72144
FHA Reverse Mortgages (HECMs) for Consumers
SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
19
(Article provided by the U.S. Department of Housing and Urban Development)
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he Home Equity Conversion Mortgage (HECM) is FHA’s reverse mortgage program which enables you to withdraw some of the equity in your home. You choose how you want to withdraw your funds, whether in a fixed monthly amount or a line of credit or a combination of both. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing. HECM counselors will discuss program eligibility requirements, financial implications and alternatives to obtaining a HECM. They will also discuss provisions for the mortgage becoming due and payable. Upon the completion of HECM counseling, you should be able to make an independent, informed decision of whether this product will meet your needs. You can search online for at http://portal.hud.gov You can use a reverse mortgage calculator, also on this website, to help you see if you qualify. If you meet the eligibility criteria, you can complete a reverse mortgage application by contacting a FHAapproved lender.
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Borrower Requirements
You must: • Be 62 years of age or older • Own the property outright or have a small mortgage balance • Occupy the property as your principal residence • Not be delinquent on any federal debt • Participate in a consumer information session given by an approved HECM counselor
Mortgage Amount Based On:
• Age of the youngest borrower • Current interest rate • Lesser of appraised value or the HECM FHA mortgage limit or the sales price • Initial Mortgage Insurance Premium (MIP)—your choices are HECM Standard or HECM SAVER initial MIP
Financial Requirements
• No income or employment qualifications are required of the borrower • No repayment as long as the property is your principal residence and the obligations of the mortgage are met • Closing costs may be financed in the mortgage
Unlike ordinary home equity loans, a FHA reverse mortgage HECM does not require repayment as long as the home is your principal residence and the obligations of the mortgage are met. Lenders recover their principal, plus interest, when the home is sold. The remaining value of the home goes to you or your heirs.
Property Requirements
The following eligible property types must meet all FHA property standards and flood requirements:
• Single family home or 1-4 unit home with one unit occupied by the borrower • HUD-approved condominium
• Manufactured home that meets FHA requirements (continued on next page)
FHA Reverse Mortgages (HECMs) for Consumers
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
(continued from previous page)
How the Program Works
We are ‘Senior Real Estate Specialists’ We have the knowledge and experience to help Seniors Downsize, Relocate or ‘Age-In-Place’. We can help you navigate the ‘Senior Maze’.
Our Mission: “We Help Seniors Lead Healthy, Dignified, Fullfilled and Happy Lives.” Donna Quinn: 516-250-2627 Jeff Stone: 917-741-8294 www.aseniormomentli.com
seniors@laffey.com
Visit our
Caregivers
Library
Eldercare & Caregiving Resources 72152
ADVANCE
PLANNING
...
It's all about protecting your family ...and about your Concerns for your Family’s Future. Call us today to receive a FREE copy of our Family Estate Planning Kit. We look forward to explaining the different plans available and how we can customize one to suit your specific needs. You'll be surprised at how easy and affordable planning ahead can be with our help.
Call us today!
VERNON C. WAGNER Funeral Homes 125 Old Country Road Hicksville NY - 11801
655 Old Country Road Plainview NY - 11803-4908
516-935-7100
516-938-4311 72244
If you are a homeowner age 62 or older and have paid off your mortgage or have only a small mortgage balance remaining, and are currently living in the home, you are eligible to participate in FHA’s reverse mortgage program. The program allows you to borrow against the equity in your home. You can select from five payment plans: • Tenure - equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence. • Term - equal monthly payments for a fixed period of months selected. • Line of Credit - unscheduled payments or in installments, at times and in an amount of your choosing until the line of credit is exhausted. • Modified Tenure - combination of line of credit plus scheduled monthly payments for as long as you remain in the home. • Modified Term - combination of line of credit plus monthly payments for a fixed period of months selected by the borrower. You can change your payment options for a fee of $20. Unlike ordinary home equity loans, a FHA reverse mortgage HECM does not require repayment as long as the home is your principal residence and the obligations of the mortgage are met. Lenders recover their principal, plus interest, when the home is sold. The remaining value of the home goes to you or your heirs. If the sales proceeds are insufficient to pay the amount owed, FHA will pay the lender the amount of the shortfall. FHA collects an insurance premium from all borrowers to provide this coverage. The amount you can borrow depends on: • Age of the youngest borrower • Current interest rate • Lesser of the appraised value of your home, the HECM FHA mortgage limit for your area or the sales price • The initial Mortgage Insurance Premium (MIP) option you choose (2% HECM Standard option or .01% HECM Saver option). You can borrow more with the HECM Standard option. Also, the more valuable your home is, the older you are, and the lower the interest rate, the more you can borrow. If there is more than one borrower, the age of the youngest borrower is used to determine the amount you can borrow. For an estimate of HECM cash benefits, go to HECM Home Page and select an online calculator. There is no limit on the value of homes qualifying for a HECM. The value of your home will be determined by an appraisal. However, the amount that you may borrow is derived from the lower of the appraised value, sales price or the FHA HECM mortgage limit of $625,500. You are charged an upfront insurance premium of 2 percent of the maximum claim amount for HECM Standard and .01 percent for the HECM Saver. In addition, you will have an annual mortgage insurance premium of 1.25%.
HECM Costs
You can pay for most of the costs of a HECM by financing them and having them paid from the proceeds of the loan. Financing the costs means that you do not have to pay for them out of your pocket. On the other hand, financing the costs reduces the net loan amount available to you. The HECM loan includes several fees, including an origination fee, closing costs, mortgage insurance premium, interest and servicing fees.
Origination Fee
You will pay an origination fee to compensate the lender for processing your HECM loan. A lender can charge a HECM origination fee up to $2,500 if your home is valued at less than $125,000. If your home is valued at more than $125,000 lenders can charge 2% of the first $200,000 of your home’s value plus 1% of the amount over $200,000. HECM origination fees are capped at $6,000.
Closing Costs
Closing costs from third parties can include an appraisal, title search and insurance, surveys, inspections, recording fees, mortgage taxes, credit checks and other fees.
Mortgage Insurance Premium (MIP)
You will incur a cost for FHA HECM insurance. You can finance the mortgage insurance premium (MIP) as part of your loan. You will be charged an initial MIP at closing, which is either 2% (HECM Standard) or .01% (HECM Saver) of the lesser of the appraised value of your home, the FHA HECM mortgage limit for your area or the sales price. Over the life of the loan, you will also be charged an annual MIP that equals 1.25% of the mortgage balance. The HECM insurance guarantees that you will receive expected loan advances. The insurance also guarantees that, if you or your heirs sell your home to repay the loan, your total debt can never be greater than the value of your home.
Servicing Fee
Lenders or their agents provide servicing throughout the life of the HECM. Servicing includes sending you account statements, disbursing loan proceeds and making certain that you keep up with loan requirements such as paying taxes and insurance. HECM lenders may charge a monthly servicing fee of no more than $30 if the loan has an annually adjusting interest rate and $35 if the interest rate adjusts monthly. At loan origination, HECM lenders set aside the servicing fee and deduct the fee from your available funds. Each month the monthly servicing fee is added to your loan balance.
Interest Rate
HECM borrowers can choose an adjustable interest rate or a fixed rate. If you choose an adjustable interest rate, you may choose to have the interest rate adjust monthly or annually. Lenders may not adjust annually adjusted HECMs by more than 2 percentage points per year and not by more than 5 total percentage points over the life of the loan. FHA does not require interest rate caps on monthly adjusted HECMs.
Repaying a HECM
A HECM loan must be repaid in full when you die or sell the home. The loan also becomes due and payable if: • You do not pay property taxes or hazard insurance or violate other obligations. • You permanently move to a new principal residence. • You, or the last borrower, fail to live in the home for 12 months in a row. An example of this situation would be if you (or the last borrower) were to have a 12month or longer stay in a nursing home. • You allow the property to deteriorate and do not make necessary repairs. For more information, visit http://portal.hud.gov
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SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
Park Funeral Chapels Consider all of the things preplanning does: • Making some simple decisions in advance ensures all of the details of a funeral will be carried out exactly as intended. Family members won’t be left wondering or making guesses as to what should be done. • Advance planning also gives you peace of mind and saves your family from the pressure of making emotional decisions at a difficult time. If you have ever had to arrange a funeral or cremation under emotional stress, then you understand how helpful preplanning can be. • We make planning in advance easy, convenient and without cost. For families choosing to pay in advance, our FDIC insured interest-bearing accounts and Medicaid irrevocable trusts help to offset future price increases due to inflation. For many families, this means no additional funds are needed at the time of services.
Vincent B. Lanza Sr., Anna Marie Lanza and Vincent B. Lanza Jr. Funeral Directors
2175 Jericho Tpke., Garden City Park, NY 11040 • (516) 747-4300 Centrally located to: New Hyde Park, Garden City Park, Garden City, Mineola, Williston Park & Franklin Square www.parkfuneralchapels.com
Senior Citizens Accommodated!
NORTH SHORE VILLAGE IS SEEKING PART-TIME PUBLIC SAFETY OFFICERS.
“Over 25 Years of Friendly, Affordable Quality Dental Care” • Insurance Accepted • Payment Plans Available • Personalized Service • Family & Cosmetic Dentistry • Flexible Hours
16-24 hours per week. Must be available for all shifts including overnight. Must have NYS Drivers License and NYS Security Guard License.
DENTAL PRICING STIMULUS FOR THESE HARD TIMES Per Unit
Root Canal $200 (First Canal)
Denture $700 (Upper or Save This Ad For Future Visits
Lower)
$
12.00 per hour
INTRODUCTORY OFFER
plus night differential.
EXAMINATION, X-RAYS, CLEANING & POLISHING
$65 Value!
FREE
Email résumé to asilverman@villageofeasthills.org
with treatment
This offer is for new patients only. Please present this ad at your visit. Expires 7/22/11.
The Friendly Office 407 East Jericho Turnpike, Carle Place • (516) 747-8150
71803
Dr. Alan Kazlow, D.D.S.
No phone calls. Please do not respond unless you have the Security Guard License. 8hr/16hr certificates only do not qualify.
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Crown or Laminate $600
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Travel Tips for Seniors Looking for A Hassle-Free Vacation
SENIOR LIFE – JUNE 2011 – ANTON COMMUNITY NEWSPAPERS
(continued from page 3)
Visit Your Doctor
As a senior, your health is very important and no one ever wants to get sick or injured on vacation. Schedule a checkup with your doctor before any major trip to discuss the activities you plan to do, and get written prescriptions for any medications you may need. Keep your prescriptions in their original containers so that they can be identified properly. If you plan to travel out of the country, contact the Center for Disease Control and Prevention for required immunizations.
Get Protection
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Plan Carefully
When planning your trip, stay organized and compile any contact information and travel reservations to keep in a folder to ensure you don’t have any problems. You might also include emergency numbers and family contact information in this folder as well. Whether driving or flying, it’s smart to gather maps ahead of time so you don’t get lost. If you are traveling out of the country, make sure your passport is up to date several months ahead of time as getting a new passport takes time to process. With a little planning, seniors can travel without worry and enjoy the best of their golden years exploring the world. For more information about safe travel and medical assistance memberships, visit www.oncallinternational.com. (ARA)
Whether traveling 50 miles or 5,000, prepare for the unexpected by purchasing a membership from a travel and medical assistance company like On Call International before you leave. Senior travelers ages 77 to 85 can purchase a special Mature Membership, which includes services like emergency medical transportation to the hospital of their choice, transportation home, worldwide physician referrals, a 24-hour nurse helpline and emergency travel assistance. The membership also includes pre-travel destination and health information, lost-luggage assistance, worldwide legal assistance and even covers the cost of transporting grandchildren or a traveling companion home if you need to stay in A little extra planning ahead of time can make travel worry-free. the hospital.
For the first time laser precision and accuracy can now be used to perform cataract surgery. Ophthalmic Consultants of Long Island cataract surgeons are the first in this area to offer this treatment option to their patients.
Call 1-866-SEE-OCLI (1-866-733-6254) to schedule an appointment with an OCLI cataract surgeon today. OUR NASSAU COUNTY CATARACT SURGERY TEAM HENRY PERRY, MD; DAVID NELSON, MD ERIC DONNENFELD, MD; RUSSELL FUMUSO, MD STANLEY BERKE, MD; RICHARD STURM, MD GERARD D’AVERSA, MD; RONALD CARONIA, MD ROBERT BRODERICK, MD; MICHAEL SWERDIN, MD MARGUERITE MCDONALD, MD; DAVID SACHS, MD
ROCKVILLE CENTRE · LYNBROOK · VALLEY STREAM · MANHASSET EAST MEADOW · STONY BROOK · PORT JEFFERSON WWW.OCLI.NET
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