FOR THE ACTIVE, EXPERIENCED CENTRAL OREGONIAN • HEALTH, LIFESTYLE, ENTERTAINMENT & ADVICE
Ageless WINTER 2013
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Ageless
Winter 2013
Ageless Features Living Life by Going Downhill Fast ............................ 5 Two Bend men continue to live life on the slopes at an age when others have long ago hung up their skis.
Great Old Broads for Wilderness ..............................15 This local group of women strive to protect our natural lands through knowledge, commitment and humor.
Birds of a Season .....................................................21 Roasted turkey isn’t just traditional fare. It’s also a superfood that can benefit your health.
Finding Variety Through Music .................................30 Clay Smith continues to remain relevant in an ever-changing music industry.
A magazine featuring health, entertainment, lifestyles and advice for the active, 50-plus Central Oregonian. Ageless is a product of The Bulletin’s Special Projects Division,
Information & Advice Contributors ................................................................................. 4
1777 SW Chandler Ave., Bend, OR 97702, and printed by Northwest Web Press, www.northwestwebpress.com. Ageless is produced in partnership with the Central Oregon Council on Aging.
Advice for Aging Athletes ............................................................ 8
All content is the property of The Bulletin/Western Communications, Inc. and may not be reproduced without written permission.
To your Health: Cold-weather Exercise Tips ............................. 11
Ageless Staff Members
Medicare Advice: Cover Oregon ................................................ 18
Martha Rogers, Special Projects Manager Ben Montgomery, Special Projects Editor Stacie Oberson, Special Projects Coordinator Nicole Werner, Special Projects Image and New Media Kari Mauser, Special Projects Editorial Assistant Clint Nye, Graphic Designer Jay Brandt, Advertising Director Steve Hawes, Advertising Sales Manager
Roast the Perfect Turkey ........................................................... 22 Advocating for Wellness ............................................................ 24 Relief for Dry Eyes...................................................................... 27 Legal Advice: Understanding Living Trusts .............................. 34
COCOA News Meals on Wheels........................................................................ 36 Events Calendar ......................................................................... 38
Story ideas may be submitted for consideration to Ben Montgomery, editor. Contact him at 541-383-0379 or via e-mail at bmontgomery@bendbulletin.com. For advertising, call 541-382-1811. Published Saturday, November 16, 2013 To subscribe or learn more about all our publications, please call 541-385-5800 or visit us at www.bendbulletin.com. Cover photo of Clay Smith by Nicole Werner
Ageless | Autumn 2013 | 3
Ageless CONTRIBUTORS ANNISSA ANDERSON, a Bend freelance writer and public relations consultant, is also a culinary school grad and worked as a pastry chef. She writes regularly for The Bulletin and other local publications and was a contributing writer in the latest edition of Best Places Northwest. Though she’s lived in the Northwest for the past 20 years, she spent her childhood living and traveling abroad. Writer and singer/songwriter LAUREL BRAUNS is a regular contributor for The Bulletin and other area publication and blogs. She is currently teaching guitar and exploring Bend’s legendary running trails. She performs music around town with her band, the Sweet Harlots.
An avid crocheter and origamist, JOHN CAL worked as a baker, head chef, ukuleleist and Sno-Cat driver before settling into writing. He enjoys filling his time with yoga, postcard writing and collecting bowties. John also collects candy from around the world — he has a 100-plus specimen collection (and counting) — and lives in Sisters with his dog, Hank. Former Bulletin business reporter turned international teacher, JEFF MCDONALD, returned to Bend following a three-year sojourn in the Middle East. When he’s not traversing the globe, he enjoys the seasons, the laid-back culture, and the people of Oregon.
Enthusiastic and outgoing, BRIDGET MCGINN enjoys meeting new people and sharing their stories. She spends her days working as a marketing and advertising professional, making photos or documentary films and spending time with her family. She may also be seen being dragged along the end of the leash of her adopted beagle.
GREGG MORRIS is a local freelance writer and musician. You can find him around town finishing articles at the local tea shop, performing with his band Organic Music Farm or homeschooling his daughter. Supposed free time is spent in the woods with his wife and daughter or skillfully executing his duties as a member of the Deschutes County Search and Rescue team. Bend has been home to LINDA ORCELLETTO and her husband, Joe, since 1996. Their “fur child” golden retriever keeps them busy with outdoor activities. When not pounding the keyboard or volunteering, she enjoys exploring the back roads and history of Oregon.
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Boundless: Rich Robertson (left) and Jack Daniels / Photo by Kari Mauser
LIVING LIFE BY
GOING
DOWNHILL
by John Cal, for The Bulletin Special Projects Photos by Kari Mauser Remember Statler and Waldorf, the two gruff old men from the muppets? They sat in the balcony heckling the players as the show went on without them. They were cutting but also funny, and they’d earned the right to be so. They’d already lived their lives, already had their moment in the spotlight. But what happens when grumpy old men decide to stay in the game, to keep playing? They’re as funny as ever, that’s for sure. But beyond funny and cutting, beyond the humor and impudence, you find dedication and inspiration and are reminded that we don’t work so hard all our lives to just sit in the balcony. “I started skiing when I was 8,” said Jack Daniels proudly. “There was a ski train that would go up to the
Two Bend Men, Jack Daniels and Rich Roberton, continue to live life on the slopes at an age when others have long ago hung up their skis. Ageless | Autumn 2013 | 5
Rich Robertson / Photo submitted
Rich Robertson / Photo by Kari Mauser
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Milwaukee Ski Bowl every week, ‘bout 15 miles outside of Seattle, and around the third grade, I’d go up there for their free ski school.” More than 70 years later, at 80 years of age, Daniels is not only still skiing, he’s ski racing. He began the practice while in his 40s, regularly competing in Masters Ski competitions across the country in Super G and other races, reaching speeds upwards of 60 miles per hour. “I had to stop competing in downhill events,” Daniels said, referring to an event that often surpassed speeds of 70 mph. “My physician told me not to, that if I had a crash at my age, he wouldn’t be able to put me back together.” “They can put you back toget her!” res ponded R ich Robertson, another avid skier and Bendite. Now 76, Robertson interrupts Daniels, pulling back his sleeve and indicating where
he shattered his wrist. “As you get older, you get better, more proficient,” he said. “You’re willing to take more risks, and that’s no time for you to stop competing.” Robertson didn’t take up skiing until he was in his 20s, landing a job as a ski patroller at White Pass near Yakima with little to no experience. But with some on-the-job training, he continued his career as a ski patroller in the army a few years later while he was stationed in Garmish, Germany. “They saw that I had some experience, so they stuck me ski patrolling in the winter and playing baseball and football in the summer,” he said. “It wasn’t a bad job.” But somewhere along the line, the activity became more than just skiing for both of these men. It became about the thrill, the
competition, and the means to not just live, but live fully. “I was in my 40s and I had actually not skied for years,” Daniels said. “I was ashamed of myself for not skiing for so long, and so I started volunteering at the Mt. Bachelor Ski Education Foundation. I was helping at races at the starting gates. There were the young guys, of course, but then they started to get older and older, until they were guys older than me. “I had never raced in my life, but I thought to myself, ‘Damn it. I can do this.’ And ever since, I just try to keep moving — that’s it. You have to keep moving. If you stop moving, you die.” L i ke a ny at h le t e, D a n iel s doesn’t just step onto the slopes cold turkey after the first snow. He trains all year, every day, to get better, to stay better. “It’s all in my house: weight
“Competition is a way of life. I don’t even free ski anymore. It’s all about getting ready for this competition. I’m up there training every day the course is open.”
Jack Daniels / Photo submitted
training, ski machine, elliptical,” he said. “I bike, and I stretch every day. I never miss stretching. Let’s face it — stop at my age and things will go to pieces.” Daniels turned 80 last February. “I’ve seen too many people just retire to their arm chairs with a blanket on their knees,” he said. “Then in two or three years, ashes!” Robertson interjected with perfect folly. Robertson also trains year round to get to compete in the sport he loves. “Competition is a way of life,” he said. “I don’t even free ski anymore. It’s all about getting ready for this competition. I’m up there training every day the course is open.” Rober t son has the added benefit of having a wife who is a nutritional expert. “She makes me eat a lot of greens and puts a lot of variety in my diet,” he said. “She makes
dinner, and I wash the dishes. It’s a pretty good deal.” “I just eat whatever I want,” Daniels interrupted. “I’ve always had a cast iron stomach, but I take vitamins and supplements and lots of herbal stuff.” So many people want to know the secret to living longer and fuller lives, but instead of spending time searching for the method, Daniels and Robertson are just doing — have just decided to live longer and to enjoy themselves along the way. “I hear so many people make excuses like, ‘I don’t know how to do something. I don’t know how to ski,’” said Daniels, “but you don’t have to learn how. You’ll learn how, and the only way to learn is to do, and doing will make you better, make you a better skier. You just decide you want something and [you] do it. “I know I’m gonna die right after crossing a finish line at a race.
That’s the plan. Slow down, and PLOP! That way I’ll get to die doing what I love.” “That’s a good plan,” Robertson said. “I’ve decided to live to 103. It seems like a reasonable age.” “Yeah, just living to 100 seems like you made it and then gave up,” Daniels laughed. “I think at 103, you’ve crossed the great divide and you can coast downhill then,” Robertson added. “If I make it, great. If I don’t, I’ll never know.” But the knowing has never been important to either of these two “grumpy old men” because the doing is what injects so much into their lives. Unsatisfied to sit in the balcony and watch, they continue to inspire as they race down the slopes, egging on the rest of us to just keep up.
Jack Daniels / Photo by Kari Mauser
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Advice for AGING ATHLETES
Athletes are used to pushing themselves and stretching their limits, but some limits are best not pushed. Such is the case with the limits posed by aging. While athletes don’t have to completely fold up shop and hang up their cleats, tennis shoes or other athletic equipment as they approach senior citizen status, there are steps aging athletes can take to ensure they aren’t pushing their bodies too far as they grow older.
ankle sprain now might require more recovery time. Returning too quickly from an injury can only make things worse for aging athletes, so don’t push yourself.
Take more time to warm up. As the body ages, its response time
Recognize your new recovery to exercise increases. This means the time. Veteran athletes tend to have a body needs more time to prepare itself sixth sense about their bodies, knowing how long they need to recover from common ailments like ankle sprains, knee pain, back pain and shin splints. Despite the body’s remarkable ability for recovery, it’s not immune to aging, and that recovery time will increase as the body ages. Whereas a sprained ankle might once have been as good as new after a few days or rest, aging athletes must recognize that the same
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for cardiovascular and strength training exercises. Increase your warm-up time as you age, gradually increasing the intensity of your warm-up exercises until your body feels ready for more strenuous exercise.
repetitive activities. But as the body ages, it becomes less flexible, which makes it less capable of successfully handling the repetitive movements common to exercise. Aging athletes should focus on their f lex ibilit y, stretching their muscles before and after a workout. In addition, activities such as yoga can work wonders on improving flexibility for young and aging athletes alike.
muscle mass as it ages, and that loss puts the joints under greater stress when aging athletes perform other exercises. That stress can put people at greater risk for arthritis, tendinitis and ligament sprains. While you no longer need to max out on the bench press or challenge yourself on the biceps curl, it is important to continue to make strength training a part of your fitness regimen as you age.
Don’t stop strength training. Aging athletes need not associate aging
Some aging athletes mistakenly feel they should stop strength training as they get older. No longer concerned about building muscle, aging athletes Focus on flexibility. might feel as if they have nothing to The more flexible you are, the more gain by lifting weights and continuing capable the body is of absorbing shock, to perform other muscle strengthening including the shock that results from exercises. But the body gradually loses
with ceasing their athletic pursuits. But recog nizing your limitations and the changes your body is going through is an important element of staying healthy as your approach older adulthood. — Metro Editorial
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Ageless TO YOUR HEALTH
Winter weather and all that comes with it — the cold, the ice and the snow — presents a new level of challenges to those who prefer to exercise and recreate in the fresh air of Central Oregon.
COLD-WEATHER
EXERCISE TIPS by Gregg Morris, for The Bulletin Special Projects
As fall becomes winter in Central Oregon, the temperature drops and the trails turn from dirt and rock to ice and snow. While the ice and snow may add definition to our picturesque surroundings, they also present a new level of hardship to our outside exerc i s e. Me a nwh i le, t he cold temperatures can discourage even the most motivated exercisers. With a little preparation, however, taking advantage of Central Oregon’s chilly weather can be as easy as getting off the treadmill and heading outside.
Be Prepared Once you make the decision to head outside to snowshoe, ski or just take a walk, it is important to be prepared with necessary equipment. When leaving the comfort of your home in the winter, your first step is to gather the “Ten Essentials,” as listed by the Seattle-based climbers group, The Mountaineers. First and foremost, know where you are and where you’re going. Always carry a navigational tool, such as a map and compass or GPS system. To be ready for the elements,
make sure your pack includes sun protec t ion, ex t ra clot hes, food and water. Just in case something h a p p e n s , k e e p a l i g h t , f i r s taid supplies, a fire starter and an emergency shelter nearby. Lastly, if you are on snowshoes or skis, a repair kit is a good idea.
Focus on Injury Prevention
The last thing anyone want s when trying to keep in shape is an injury. Proper warm-up and physical preparation can be the key to staying off the injured reserve list. Physical therapist Laura Cooper
of Therapeutic Associates offers this advice: “Always include a dynamic warm-up. You can do this in your home before leaving. It should include working your muscles over and above your daily routine.” “I think balance and flexibility are overlooked by most people,” said Brock Monger, physical therapist and co-founder of Apex Physical Therapy. “They can be a huge key in injury prevention.” He goes on to explain that during the wintertime, “the demand on the muscular and cardiovascular systems is greater, especially in altitude.” Ageless | Autumn 2013 | 11
“Your body only has limited energy storage. In addition, you have an increased energy expenditure in cold weather. Make sure you bring food with you.” Dress Appropriately
Stephanie Howe, coach and nutritionist at Rebound Excellence Project, says to check the weather forecast, but always be prepared for worse weather. “Dress for the weather you will be exercising in,” she said. “Make sure you have a good hat, gloves and socks. You don’t always know what the weather will be, so keep some extras in your car.” Layering your clothes ensures your ability to add and remove clothes as your body heats and cools. Make sure you pay particular attention to your head, hands and feet. Another good idea is to buy a box of hand warmers to use as another heat source. Proper footwear is an extremely important facet to any outdoor exercising gear list. Pay attention to the sidewalk or trail conditions as they may be covered in ice or snow. Choosing boots with good soles or ice traction
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devices, such as Yaktrax, can be the difference between a nice winter’s walk and a trip to the emergency room after a slip and fall. According to the National Institutes of Health, more than 1.6 million older Americans visit the emergency room each year for fall-related injuries. If you regularly exercise in deep snow, consider a pair of gaiters to keep the snow out of your boots.
Watch the Forecast A Central Oregon winter’s day can range from sunny and warm to snowing and freezing — or include both, depending on your outing. On the days when it’s more rain than snow, it’s important to stay dry and keep your core warm. When there is an extreme wind chill, the conditions may be best for an inside workout. High winds can penetrate your clothes, eliminate
the warm air surrounding your body, and make any exposed skin vulnerable to frostbite. Early signs of frostbite include numbness, loss of feeling, or a stinging sensation. If you are experiencing any of these symptoms, get out of the cold and slowly warm the affected area. Rubbing the area may cause damage to the skin. The risk of hypothermia increases in cold and wet weather. Symptoms include intense shivering, slurred speech, loss of coordination or fatigue, and should be treated immediately.
Drink Fluids
It’s as important to stay well hydrated when exercising in cold weather as it is when exercising in warm weather, although it may not seem like it. It is harder to notice the signs of dehydration in cold weather. “You don’t have the same thirst stimulus as in hot weather,” Monger said. Try drinking a little warmer water than you would in the hot summer months.
Eat Well
The energy you need for exercising comes from the food you eat. Make sure you bring extra food for those long excursions and the possibility of an
extended stay in the woods. Your food source can be as simple as trail mix or an energy bar. Starting with hot cocoa, tea or oatmeal will warm your core temperature before heading out. “Anytime you exercise, you are using energy,” Howe said. “Your body only has limited energy storage. In addition, you have an increased energy expenditure in cold weather. Make sure you bring food with you.”
Keep Your Spirits High
Many times, the low light and short days of winter make people want to stay in bed or curl up on the couch. It can lead to depression. To combat depression, make an effort to socialize with friends and family. Call a friend to see if they would like to be an exercise partner. If the weather is too severe for outside play, a simple phone call may be the highlight of your (or their) day. Exercising in the winter can be as physically and mentally rewarding as the summer. With a little preparation and know-how, cold-weather exercising can chase the winter blues away. And as always, consult your doctor before beginning any new workout routine, especially one that involves exercising in cold weather.
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Great Old Broads
Wilderness
This local group of women strive to protect our natural lands through knowledge, commitment and humor. by Bridget McGinn, for The Bulletin Special Projects
Members of Great Old Broads for Wilderness, from left to right: Robin Ziegler, Rynda Clark, Kathy Payne, Karin Ferris, Joanne Richter, Judy Clinton, Gena Goodman-Campbell and Debra Light.
Photos by Nicole Werner
Growing up in New Mexico, Rynda Clark spent a lot of time outside, roaming in the wilderness. It wasn’t until retiring to Bend from southern California after an active career and raising a family that Clark rediscovered her love of the outdoors. “I had lost touch with my roots in the form of my love for the wilderness,” Clark said. “But as a newcomer to Central Oregon, I started hiking all over the area and reignited my passion. It really was like coming home to me.” Clark quickly became active in several local nonprofits and made new friends, one of whom invited her to attend a coffee gathering. With her busy schedule, Clark couldn’t quite recall the exact purpose of the meeting, but that didn’t stop her from
showing up. “I knew it was for some good thing,” Clark said. The gathering turned out to be the initial meeting of a local chapter — called “Broadbands” — of the national nonprof it Gre at Old Broad s for Wilderness. Founded in 1989 on the 25th anniversary of the Wilderness Act, the organization uses the voices and activism of elders to preserve and protect wilderness and wildlands. According to t he organization’s website, their mission is as follows: “Conceived by older women who love wilderness, Broads gives voice to the millions of older (and not so able) Americans who want to protect their public lands as Wilderness for this and future generations. We bring voice, knowledge, commitment, and humor to the movement to protect our last wild places on Earth.” Ageless | Autumn 2013 | 15
The local meeting, held last May, took place at the Oregon Natural Desert Association (ONDA), and Clark was one of about a dozen interested participants. “Even though I had not ever heard of the organization, it was love at first sight,” said Clark. “We looked at the website, and they use words like ‘grace,’ ‘humor,’ ‘wisdom’ and ‘courage,’ and I knew that I wanted to be a part of this.” Clark’s first grandchild had recently been born, and she felt an extra push to get involved. “There was a shift that happened for me,” said Clark. “I want to make sure that the wilderness is here for my grandchildren and future generations to enjoy just like I did.” Currently a co-leader of the local chapter of the Great Old Broads for Wilderness, known as the Central Oregon Bitterbrush Broadband, Clark is exited about building a local foundation for the organization. Focusing on the four key areas of advocacy, stewardship/service, education and hiking/fun, members of the Bitterbrush Broadband are working hard at building and strengthening relationships with other local environmental nonprofits. “I really think we can be a strong supporting cast to help address issues,” said Joanne Richter, the other co-leader of the group. “We purposefully didn’t want to step on toes or duplicate what others are doing. There are overlaps with other conservation groups, certainly, but we see our role as collaborative.” A resident of Bend for more than 17 years, Richter’s background as a watershed scientist and her longtime involvement with local conservation organizations gives the Bitterbrush Broadband an edge when it comes to communication and collaboration with other groups. One of her main goals for the group is to ensure that it has a robust stewardship program. “I volunteered to organize the service projects,”
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said Richter. “I feel that should be a strong element of what we do, and since I know many people in the Forest Service, for example, it seems logical that I can be the one to ask them ‘Where do you need help?’” The group completed their first service project this past September, on National Public Lands Day. In collaboration with the Forest Service, volunteers
with the group spent hours repairing a trail and cleaning up a campground. The goal, said Richter, is to complete three or four service projects annually. Two more projects are already lined up for spring. Hiking and exploring local wilderness areas is also a focus area for the group, and plans are in the works to schedule at least one organized hike per month, weather permitting. The hikes generally have an educational theme, providing participants with an opportunity not only enjoy the outdoor experience, but to gain knowledge as well. “We are able to get out, have fun and at the same time learn about the issues in a particular area,” said Clark. “Then we figure out how we can be of help. It might be writing letters to our representatives or going out to pick up trash.” Gena Goodman-Campbell, Central Oregon Wilderness Coordinator for ONDA, recently led a hike with the Bitterbrush Broadband group on the Alder Springs Trail within the Whychus-Deschutes proposed Wilderness Area. Her role was to help educate the group on the issues impacting that particular area. “I really appreciated the good humor of all of the group members, who had me smiling and laughing the entire day,” said Goodman-Campbell. She noted
“We bring voice, knowledge, commitment, and humor to the movement to protect our last wild places on earth.” that many of the participants were already planning their next hike to Alder Springs before they had even gotten back to the trailhead. “As a hike leader, that’s when you know the hike is a success,” she said. “Overall, I was very impressed with the group members who came on the hike and I hope to work with them to make sure that Alder Springs and Lower Whychus Creek are permanently protected as wilderness.” The Bitterbrush Broadband supports educating people and advocating for wilderness areas to be designated, plus monitoring issues within already protected lands, said Clark. “What sets us apart and the difference with Great Old Broads for Wilderness is that we don’t necessarily initiate action,” said Clark. “We add our voices to bring attention to issues. We bring our age and wisdom to help other organizations.” Sometimes, said Clark, the media and even individuals will pay attention to a woman of a certain age. “We are bringing humor but also a sense of experience to an issue,” said Clark. “And I think that’s been one of the assets we have, that we can get attention when other people can’t.” In addition to being a group of strong, motivated women advocating for wilderness protection, Richter points out that another very appealing aspect of the group is a focus on fun. “ The na me it s el f— Gre at Old Broad s for Wilderness—shows a sense of humor,” said Richter. “I think a sense of humor is required for aging in general,” said Clark. “And also for membership in our group. We definitely have a ‘broad’ sense of humor.”
While most members of the group are older women, the Bitterbrush Broadband also welcomes men, referred to as “bros,” and younger women, known as “broads in training” or “training broads.” “The Great Old Broads for Wilderness are my role models. They demonstrate that it doesn’t matter how far or fast you can hike, you can still get out and enjoy our remaining wild places, and fight to make sure they stay wild long after you’re gone,” said Goodman-Campbell, the self-described “training broad.” “On the drive out to the trailhead, one member said that even if she is curled up on the couch in the fetal position unable to walk, she would still want young people to be able to go out and enjoy nature. That is the selfless and positive attitude I aspire to.” Currently, there are about 50 people who have expressed interest in the new local chapter of the organization, and Clark and Richter are focused on continuing to spread the word. Over the winter, they plan on surveying the group to determine interest areas and solidifying their calendar of activities. They are also involved in a collaborative effort to help plan the 2014 50th anniversary celebration of the Wilderness Act. “We are going to evolve as a group, and we want to be driven by the passions of our members,” said Richter. “Always remembering that conviviality, coming together and having a good time is key.” There is no cost to become a member of the local group, but a $35 membership at the national level is suggested. A portion of that fee comes back to the local group to help support programs and activities. To learn more and get involved with the local Bitterbrush Broadband of the Great Old Broads for
Wilderness, contact co-leader Joanne Richter at 541-420-4861, email bitterbrushbroadband@gmail. com or visit the website at greatoldbroads.org/orbend.
Ageless | Autumn 2013 | 17
Ageless MEDICARE ADVICE
Medicare vs. Cover Oregon MEDICARE AND HOW IT’S AFFECTED BY THE AFFORDABLE CARE ACT, OR ‘OBAMACARE’ by Cynthia Hylton, SHIBA Program Field Officer The Affordable Care Act (ACA), also known as “Obamacare,” has a few benefits that affect Medicare coverage. ACA was the legislation that started the closing of the donut hole in Part D. Each year, the amount a beneficiary owes for medications in the donut hole will decrease until eventually, in 2020, the donut hole will be eliminated in Part D plans. The list of included Medicare p r e ve n t i ve m e d i c a l s e r v i c e s i nc re a s ed. The cos t sha r i ng, de duc t i bles a nd coi n s u r a nc e required for these medical screenings was eliminated for many of these benefits. Another ACA requirement is Medicare Advantage plans must spend 85 percent of the money they get from Medicare and premiums on medical services for enrolled members, keeping no more than 15 percent for profit and administration. Do Medicare and Cover Oregon have any overlaps in eligibility? What we know for certain is when you become eligible for Medicare, it is in your best interest to go with your Medicare insurance coverage. Individuals calling the Cover Oregon help line that are 64 years of age and older will be told to call the SHIBA program or transferred to the SHIBA help line. The good news about this is it gives SHIBA a chance to inform people about Medicare deadlines and penalties if those timelines are not met. Let’s create an example for a possible situation that could cause problems for an individual. You are 18 | Ageless | The Bulletin
64 years old and won’t turn 65 until June of 2014. You need insurance for five months — January to May. You do not plan to receive your Social Security retirement income until you turn 66 years old because you want to receive 100 percent of your Social Security income amount earned. You sign up to be enrolled in a Cover Oregon policy which is subsidized because your income is more than 100 percent or under 400 percent of Federal Poverty Level. You indicate on the application you want to be renewed for the maximum five-year period allowed because the premium cost looks very good. You mistakenly believe you have a choice to forego your Medicare enrollment in favor of this subsidized Cover Oregon policy. Your Medicare Initial Enrollment Period (IEP) comes and goes. In
January of 2015, when it comes to light that you are over the age of 65, your subsidy goes away. Subsidy is not available, according to the ACA law, to people over 65 and eligible for premium-free Part A Medicare. Now you’re paying full-market price for your insurance plan, and your plan says you should be enrolled in Medicare. Medicare should be your primary payer. The policy now says it won’t pay for the 80 percent that Part B Medicare would have paid if you had enrolled. You are paying top dollar for a plan and it only covers 20 percent of your doctor bills. When you contact Social Security to enroll in Medicare, they tell you that you missed your IEP. But January through March is General Enrollment Period (GEP) for people who miss their IEP; however, Medicare benefits
are delayed until July 1. You will also pay a 10 percent penalty on Part B for life, as well as a penalty for Part D if Cover Oregon drug benefits are not as good as or better than Medicare Part D. Not knowing about the Medicare deadlines and penalties makes no difference. Here is another hy pothetical situation where overlap between Medicare and Cover Oregon could occur that might create Medicare enrollment issues. A person 50 years of age was awarded Social Security Disability Insurance (SSDI) in the amount of $1,650 per month. It will be 24 months before Medicare eligibility starts. The individual applies for a Cover Oregon policy to provide insurance during that 24-month wait period. The person is eligible for premium subsidy based on income. The person likes the insurance policy, it works very well at the doctor’s office and the price is affordable because of the subsidy. When the Medicare card arrives in the mail 24 months later with a letter saying if you do not wish to have Medicare Part B, sign the card and return it. The person decides they want to keep the Cover Oregon policy they have that is working so well, so they sign the Medicare card and return it. Sometime down the road, it is discovered the individual is eligible for Medicare and has declined enrollment in Part B. Now the person is in a difficult situation just like the person in the first scenario, missed deadlines, delay in coverage and penalties.
Five Things to Know ABOUT MEDICARE AND COVER OREGON OR THE MARKETPLACE 1. Cover Oregon or the Marketplace is not for people with Medicare. In fact, it is illegal for someone to sell them a Marketplace plan if they are enrolled in Premiumfree Part A and/or Part B. 2. People eligible for Medicare c a nnot get Cover Oregon subsidies. 3. Some people may f ind the Ma rket place a n opt ion even
though they are 65 years of age or older. People who must pay for their Part A may want to carefully weigh their options between pay ing for Medicare versus buy ing a Market place plan. 4. People under age 65, disabled, receiving SSDI and waiting for Medicare elig ibilit y w ill f ind C over O regon a n i mp or t a nt o pt ion. However, onc e t hey
become eligible for Medicare, they need to k now they w ill lose any Marketplace subsidies. Depending on their income they may be eligible for subsidies from Medicare or Medicaid. 5. Marketplace insurance may not have creditable drug benefits. SOURCE: Center for Medicare and Medicaid Services (CMS) and National Council on Aging (NCOA).
Cynthia Hylton has more than 25 years of volunteer program development and training experience. She has been working with the SHIBA program since 1990 as a local county program coordinator. Cynthia started working with the statewide program as a Field Training Officer in 2005. This position required an extensive background working with the senior community and training an effective volunteer network. SHIBA now has 250 volunteer Medicare counselors throughout the state. The SHIBA program received the 2007 Governor’s Award for Most Outstanding Statewide Volunteer Program.
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20 | Ageless | The Bulletin
Roasted turkey isn’t just traditional holiday fare. It’s also a superfood that can boost the immune system, give you energy and offer you a low-fat protein option.
Birds of a
SEASON by Annissa Anderson, for The Bulletin Special Projects
Long before European settlers to the New World sat down to turkey dinners, wild turkeys populated both North and Central America. The native birds, brought back to Spain by conquistadores, were bred into plumper versions to meet European tastes, and over time the birds have been bred to yield even more of their desirable white breast meat. And while today we associate plump, juicy turkey meat with one of the year’s more indulgent meals, it is, surprisingly, also considered a superfood. Superfoods are foods containing a relatively high amount of vitamins, minerals, and powerful diseasefighting nutrients. Nutrition experts encourage incorporating a number of superfoods – like turkey, blueberries, almonds, avocados, and spinach – into a daily diet as a means to ward off chronic disease, such as diabetes and heart disease. Skinless turkey breast meat is chock-full of goodness. Even a 3-ounce serving of turkey Ageless | Autumn 2013 | 21
1. GO SMALL.
Choose a turkey that weighs less than 14 pounds. Smaller turkeys take less time to cook, reducing the risk of overcooked outer meat and an undercooked interior. If your crowd exceeds 12 people, buy two small turkeys in place of one big one.
2. THAW SLOWLY.
The best way to thaw a turkey is in the refrigerator, in the original wrapper and on a tray to catch any drips. A large turkey could take several days; allow 24 hours for every 4 to 5 pounds. In a pinch, the bird may also be safely thawed by totally submerging it in cold water (in a clean sink, in the 22 | Ageless | The Bulletin
original wrapper) for approximately 30 minutes per pound. Once the turkey is thawed, remove the giblets and rinse it inside and out with cold running water.
3. BRINE IT.
The difference between an average turkey and a fantastic one is in the brining. The salt in brine draws out the blood, cleansing the turkey, and is absorbed into the meat, making it juicy and seasoned right down to the bone. The brine’s sugar rounds out the salty flavor and helps the turkey skin to caramelize in the oven.
4. DO NOT OVERCOOK.
Regardless of what cooking method and temperature you choose, use a meat thermometer to check the doneness of your turkey. When a meat thermometer – inserted into the thickest part of the inner thigh and breast, and under the wing – reads 165° F, remove it from the oven.
5. LET IT REST.
To avoid a dry turkey, let it rest for 20 to 30 minutes after it comes out of the oven. Resting lets the meat fibers relax, allowing the juices to become evenly distributed throughout the meat, thus making the turkey easier to carve without unnecessary loss of juices.
breast meat provides a good chunk of your daily selenium, a trace mineral essential to immune function and antioxidant defense. Turkey also contains high amounts of niacin and vitamin B6, important for efficient energy production and blood-sugar regulation. The same 3-ounce portion of turkey breast also gives you 20 grams of satisfying protein with only 90 calories, making it a super diet food as well.
Post-Thanksgiving, when there is usually an abundance of leftover turkey meat, is a great time to begin incorporating this superfood into your regular diet. Leftover turkey meat – skinned and off the bone – can be easily cut into chunks or shredded to incorporate into nutritious salads and sandwiches, as well as healthy, yet comforting, soups and casseroles. For quick and tasty salads, combine cubed turkey breast with a small amount of low-fat mayonnaise and other ingredients that provide chewy and crunchy textures to complement t he tender t u rkey me at. Ot her superfoods, like dried cranberries and raisins, walnuts and almonds, and grapes and apples, are ideal candidates for adding to healthful and flavor-rich turkey salads. Sandwiches are another great way to gobble up turkey leftovers, or other precooked boneless turkey breast meat. Top turkey breast slices with cranberry sauce between pieces of whole wheat bread for a sandwich reminiscent of holiday f lavors.
Shredded turkey, combined with low-fat mayonnaise, can be combined with favorite ingredients to make turkey salad for a healthy wrap. Turkey meat can be substituted for most soups or casseroles that call for chicken. For a homemade soup stock, cover the turkey carcass with water in a large soup pot. Add chopped onion, celery and carrot along with some seasonings – bay leaf, thyme sprigs and peppercorns – and simmer slowly for several hours to concentrate the flavors. Add salt to taste, strain and let cool completely before refrigerating. The stock can be used for turkey and wild rice soup, turkey with dumplings, or even a
hearty risotto using Arborio rice. Roasting a turkey does not need to be a tradition reserved for holidays. Today, a compact fryer-roaster turkey, weighing in at between five and eight pounds, can be bought fresh or frozen. These small-scale turkeys, intended to feed smaller families, call for a much shorter cooking time and can even fit into larger-sized slowcooker stoneware. The yield on a whole turkey is about one pound per person being served, which takes into account serving size after the bones and skin are removed. Plan to buy one a little larger than needed so as to not miss out on the delicious potential of leftovers.
Ageless | Autumn 2013 | 23
Ageless INDEPENDENCE
Advocating for
Wellness John and Susan Battle strive to keep seniors independent and well. by Jeff McDonald, for The Bulletin Special Projects Photos by Nicole Werner Many among us have concerns about a parent or spouse who has increasing health problems. Wit h a ssi sted liv ing a n ex pen sive a nd sometimes painful transition for seniors, there must be a better way to preserve independence and keep costs down. Enter John and Susan Battle of Paul Battle Associates in Bend. The husband-and-wife team, who moved to Bend in 2010, have recently added geriatric care management to their host of specialties and licenses. “We’re unique in that we’re both nurse practitioners and bring a higher level of training,” said Susan Battle, who recently became certified as a geriatric care manager. “We can prescribe medicines. We are licensed to legally practice medicine. That makes us unique in the geriatric field.” Like many who retire to Central Oregon, John and Susan Battle saw the natural beauty of the region and the community as motivations for moving here.
She formed the business in the San Francisco Bay Area in 1992 using a combination of her maiden and married names, and John Battle joined her in 2004 as a nurse practitioner after leaving his career as a high-tech engineer.
John and Susan Battle, owners of Paul Battle Associates in Bend.
24 | Ageless | The Bulletin
They lived and worked in Tuba City, Arizona with Navajo and Hopi Indian tribes for three years before relocating to Bend. “We realized there was a real need here for our services,” John Battle said. “We love the people here. We love the community.” Having both worked in primary care, the Battles recognized the need among senior populations for personalized coordination of care. “Primary care physicians don’t have time to make sure seniors are eating right and taking medications prescribed for them,” John Battle said. “Are they socializing? Are they getting out of the house? Do they have transportation to go shopping? There is a whole gamut of other needs that aren’t being addressed in Central Oregon.” Additionally, with their advanced training, the Battles are able to do things that a social worker, gerontologist or nurse would not be able to do — actually treat the patient. “If someone has a condition like congestive heart failure, we’re monitoring those people really closely,” Susan Battle said. “ Working with cardiologists or primary care physicians, the Battles
will follow doctor’s orders to check medications and other services for clients. They take a multidisciplinary, holistic approach to health care that involves the entire family. Oftentimes, the health of the spouse who is left taking care of a loved one gets overlooked. In their initial care assessment, John and Susan Battle will sit down with the family and determine how to create a comprehensive plan for everyone involved. During the assessment, the Battles may find out that a client’s wife, who is taking care of her husband with dementia, is not sleeping well and losing weight. “The treatment plan may include respite services for the wife along with nutritional counseling, possibly meal preparation, stress management and involvement of the wife’s primary care provider in addition to the plan for the husband’s needs,” Susan Battle said. They even involve adult children of their clients who often worry about their parents and want to ensure they are receiving appropriate care. “We’re such a mobile society — kids might live somewhere else in the U.S. and we will send emails updating the
kids — with an appropriate release,” she said. “We will put together a plan to keep them safe and independent. That makes the children feel much happier.” Costs of initial consultation with Paul Battle Associates are free, but creating an initial plan costs $200, John Battle said. They charge $95 per hour for services, he said. By comparison, a month in assisted living can cost upwards of $5,000, he said. Keeping costs down is a significant part of the health care transformation taking place in Oregon and around the nation. That positions Paul Battle Associates well moving forward as people are becoming more aware that they need to have an advocate for themselves under the new health care laws. Providing care for clients ensures that they will not fall through the cracks, John Battle said. That could mean hiring more care managers and increasing the client load from its current level of around 40, John Battle said. “Our goal is to provide good care to seniors,” he said. “If the demand is there, certainly we will grow the business.”
“Are they socializing? Are they getting out of the house? Do they have transportation to go shopping? There is a whole gamut of other needs that aren’t being addressed in Central Oregon.”
Ageless | Autumn 2013 | 25
26 | Ageless | The Bulletin
Relief for
DRY EYES
Don’t just protect your skin from the cool, dry, Central Oregon eyes. The eyes need love, too. by Linda Orcelletto, for The Bulletin Special Projects Itchy, d r y, bu r ning, tired eyes, even cloudy vision, go hand in hand with living in Central Oregon. The lack of humidity in the air, wind, and smoke during fire season c au se d r y eyes, wh ich in t u r n c au ses discomfort. We just have to live with it, right? Not so. According to local eye specialists, there are two types of dry eye. Dry eye condition, due in most part to lifestyle, happens when your eyes don’t produce enough tears, or quality tears, to keep them lubricated. Evaporative dry eye is a blockage of eye lid glands. Both have multiple causes and are easily treated, but require a lifetime of care. Everyday dry eyes may be caused by common medications such as antihist amines, decongestants and pain relievers
that cause a reduction in tear secretion. Glaucoma, cataracts or Lasik eye surgery may also contribute to dry eyes. Women comprise nearly 75 percent of those dealing with dry eye due to hormonal changes, aging and wearing eye makeup. Eye liner in particular clogs the ducts u nder e ach eyelid t hat produces oils to keep eyes
Ageless | Autumn 2013 | 27
Blink for screen gazing relief If you spend a lot of time gazing into the computer monitor, cell phone, iPad or other electronic device, you aren’t blinking as often as you should. Partial or incomplete blinking is common in people with dry eyes. In addition to simply giving your eyes a rest every hour, here is an exercise that may help. 1. To be effective, blinking exercises should be done 15 minutes every day for 30 days. This is especially
important during prolonged screen time. 2. Use the timer on your phone or computer to remind you when to exercise. 3. Close both eyes, pause for two seconds, then open. Close eyes again, pause two seconds, squeeze tightly for two seconds, then open. 4. Repeat every 15 minutes. 5. When you are blinking correctly, you shouldn’t feel any movement under your fingers if you press the corner of your eye.
lubricated. According to Dr. Elizabeth Potvin of InFocus Eye Care in Bend, if you never wash your eye lids, you have eye lid glands of an 80-year-old. She recommends washing eye makeup using a cleanser such as OCuSOFT or baby shampoo before going to bed. Massaging your eye lashes allows the oil ducts under each lash to open. Today’s technological lifestyle is a major factor in increasing dry eye issues at any age. “Our eyes are dr y because we spend too much time staring at screens,” says Dr. Potvin. “When you look at one screen for a long time, you can easily forget to blink completely (your upper and lower eye lids need to touch) which doesn’t allow fluid to go across t he eye, so your tears
If you feel something, that means you are using your muscles along the side of your head instead of the blinking muscles above your eyelid. If you are having trouble incorporating blinking exercises into your schedule, mix up your routine by choosing an activity you’d normal do: stretching, going for a walk, checking the mail; anything that will make blinking a habit. Ensuring you blink completely is essential for eye health.
evaporate sooner.” Dr. Potvin says computer and laptop monitors are the most problematic, though continuous use of any electronic device can cause issues. It’s essential to take hourly breaks away from the screen to allow your eyes some rest. Make sure you aren’t squinting, which means the screen is too dim or the room is poorly lit. Blinking exercises help, too. (See sidebar above.) Extended-wear contacts also contribute to the onset of dry eye at a younger age. Longterm use can lead to increased protein deposits, infection and pain. Though it’s convenient to keep contacts in for a month, ideally the contacts and cases should be cleansed daily, with saline solution changed every day. “Just like your daily routine of flossing and brushing your teeth, you need to care for your eyes, particularly your eye lids, so your eyes
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“Our eyes are dry because we spend too much time staring at screens. When you look at one screen for a long time, you can easily forget to blink completely, which doesn’t allow fluid to go across the eye...” aren’t as dry,” says Rachel Wheeler, Dry Eye Refractive Coordinator for InFocus Eye Care. Home treatment s that may alleviate dry eyes include: • Using preservative-free drops as needed to lubricate the eyes; • Taking Omega 3 (found in fish oil, flax seed and other nutritional supplements) daily; and • Placing a humidif ier in your bedroom or office, if you work from home. Evaporative dry eye is chronic and can cause eye fatigue and even blurred vision (similar to looking through a cloudy w indshield). Autoimmune disorders such as thyroid eye disease, Lupus and Sjorgens sy ndrome, and some medications used to treat high blood pressure and arthritis, are
some possible causes for ongoing problems. While the above remedies may offer relief, evaporative dry eye requires prescription drops, such as Restasis, or the insertion of punctual plugs. Both the punctual plugs, wh ich d i ssolve over time, and Restasis are relatively e x p e n s i ve. C h e c k w i t h y o u r insurance for coverage. If left untreated, evaporative dry eye can lead to the inability to produce tears on your own. Similar to acne and other glands t h at cl o g, e yel i d g l a n d s g e t blocked too. LipiFlow® Thermal Pulsation, a procedure to empty clogged glands, allows clear oil to be produced and offers effective results. The FDA-approved in- of f ice procedure uses a combination
of localized heat therapy and pressure to remove clogged oil (like the consistency of toothpaste) from eye glands, restoring the natural production of oil. LipiFlow should only be used after other treatments are tried first. InFocus is the only clinic in C ent r a l O regon to of fer t h i s s er v ic e. C on s idere d ele c t ive, LipiFlow currently isn’t covered under insurance. The procedure is not a cure, nor is it immediate. With continual eye lid hygiene, however, the results should last a year or more. Don’t wait until eye pain or fatigue rules your life. As soon as you notice dryness, irritation or have pain you can’t control, contact an eye care professional.
Ageless | Autumn 2013 | 29
Clay Smith continues to remain relevant in an ever-changing music industry.
Photos by Nicole Werner
30 | Ageless | The Bulletin
by Laurel Brauns, for The Bulletin Special Projects | Photos by Nicole Werner During the height of his performance career, music producer and engineer Clay Smith played live with his New Wave 80s band “The Click” seven nights a week. “Twice on Sundays,” Smith recalled with a laugh. T h e s e d a y s , h o w e ve r, Smith’s energies are primarily focused on daytime projects in
his state-of-the-art recording space SoundSmith Studios, off Johnson Road in Bend. Since starting the studio in the late 80s, Smith has recorded with the likes of Jack Johnson and produced a song that made it to No. 1 on the Canadian music charts. But, the real key to the s t u d io’s s u c c e s s l ie s i n
Smith’s ability to rapidly adapt to changes in the recording industry, and find creative ways to put his talents to work in a relatively small market. Smith smiles easily and enjoys listening more than talking. His sprawling property a few miles past Shevlin Park has a horse grazing in
a large fenced-in yard, and his studio sits in a separate building from the main house, featuring a spacious recording room with hardwood floors, and windows looking into the control room. Smith started the studio as a way to record his own music, but today the recording space produces much more
t ha n ju st mu sic: Smit h’s work ha s ex pa nded i nto soundtrack music for film and commercials and recording other people doing voiceovers and audio books. “I like having a lot of variety in the work that I’m doing,” Smith said. “Early on, I knew that I couldn’t make a living just rely ing on recording
Ageless | Autumn 2013 | 31
musicians, so I started writing jingles and that led to all these other things.” Smith was first inspired to pick up the guitar after seeing the Beatles on the Ed Sullivan Show when he was 9 years old. He subsequently learned the guitar and piano, and he now plays bass, mandolin, and banjo. He studied music at both Portland State University and University of Oregon, but stopped going to school when he realized he could make ends meet playing gigs most nights of the week together with Rod Thompson, who has become his lifelong friend and music partner. The duo was eventually hired to play a whole winter season at the Inn at the Seventh Mountain, and both Smith and Thompson decided to make the move over the mountains a permanent one, eventually expanding their outfit to include their full band “The Click.” Smith admitted he isn’t entirely hip to the live music scene in Central Oregon any more, and plays live only a fraction of the time he used to, but his lifestyle and role as a husband, and the father of two college-age daughters lends itself to more daytime productivity. Whether that means recording a video blog for a consultant to the dental industry, or putting the finishing touches on Erin Cole Baker’s latest album, Smith has reached a point in his life where he has gained true mastery of his craft. “Clay knows colors and textures and puts the sounds right where they are supposed to be,” said Eric Tollefson,
32 | Ageless | The Bulletin
who recorded his first album, “The Sum of Parts,” at SoundSmith. “He’s one of the best session players in town but would never admit that he’s that good.” Tollefson, now Seattle-based, shared that Smith is constantly updating his studio, by investing in new equipment or forking over the money to upgrade a plug-in for his recording interface. “That is a huge part of owning a studio, being relevant,” Tollefson said. “That’s why the quality is there, because he cares about making sure everything is right and up to speed.” For Bill Keale, a local Hawaiian and Americana musician, Smith’s biggest selling point is the diversity of talents he brings to the table as an engineer, mixer, producer and instrumentalist. “He gets the professional sound I want so I can focus on the energy and making the music sweet,” he said. O f a ny o f t h e h u n d r e d s o f players that Smith has worked with throughout the years, perhaps none
knows him better that Ed Payne, a financial advisor with Morgan Stanley by day. Payne has recorded over 230 songs at SoundSmith, and has a penchant for music from the 50s and 60s like Buddy Holly and the Everly Brothers. His favorite project that Payne and Smith have worked on together did not feature the voice of Ed Payne himself, but his 88-year-old father. To pass the days in an assisted-living facility, Payne’s dad James recorded himself on cassette recorder singing old cowboy songs. Payne then took the tapes to Smith, who cut, pasted, shifted and fleshed out the tunes into a fully produced professional album, celebrated with a CD Release party in Eugene upon completion. “Clay is an absolute mu sic al genius in my opinion, yet with all his talent, the most humble person I’ve ever known,” Payne said. “Clay has enabled me to achieve a life-long dream to record and put my music out there…”
Ageless | Autumn 2013 | 33
Ageless LEGAL ADVICE
Understanding Living Trusts CONSIDER THE MANY REASONS A LIVING TRUST SHOULD BE A PART OF YOUR ESTATE PLANS. by Melissa P. Lande, Attorney However you can maintain control over the trust and the trust assets as trustee of the trust.
The first question that I am often asked in initial client meetings is “Should I have a living trust?” There are many reasons why a living trust may be a desirable part of your estate plan.
Is it hard to transfer assets to my trust? No. Typically your attorney will prepare deeds to transfer your real property to the trust. Your financial advisor and bank representative can assist you with transferring your investment and bank accounts to the trust.
What is a living trust? A living trust is a legal document that contains your instructions for what should happen to your assets after your death. In addition, a living trust can avoid probate and allow you to choose the person who will manage your assets if you become incapacitated. A living trust is also known as a revocable trust or a revocable living trust.
Does a trust help me avoid estate taxes?
Who should have a living trust? If you own titled assets and you want your loved ones to avoid court interference with the transfer of assets at your death, or incapacity, you should have a living trust. What is a trustor or grantor? The trustor or grantor is the individual who creates the trust. Generally, the trustor has the right to amend and revoke the living trust during their lifetime.
What is a successor trustee? The successor trustee is a trusted person that you, as the tr ustor, designate to act on your behalf if you can no longer manage your financial affairs. After your death, the successor trustee pays your debts and distributes your assets according to your instructions.
34 | Ageless | The Bulletin
Who can be your successor trustee?
trust may become irrevocable at the first spouse’s death.
You can designate an individual as your successor trustee. Typically you would choose your spouse, adult child or trusted friend to act as your successor trustee. If you do not want to name an individual, you can name a corporate trustee.
After my death, can my assets remain in trust until my children reach a certain age?
Does the living trust control my assets? No, as long as you are living and competent, you maintain control of your assets. You can buy and sell assets, put assets into the trust and take them out of the trust, and amend or revoke the trust. If you have a joint trust, a portion of the
You can create a Descendant’s Trust so your trustee can hold assets in trust for your children. The trustee can distribute assets for the health, education, maintenance and support of your children until they reach a designated age.
How do I fund my trust? Once you set up a living trust, you can transfer the majority of your assets into the name of the trust.
Yes, a properly set up trust will allow you and your spouse to claim your estate tax exemption amounts. Without proper planning, your estate would pay Oregon estate tax on assets greater than $1 million and federal estate tax on assets greater than $5,250,000. With the trust, you can claim each spouse’s exemption amount up to $2 million in Oregon and $10,500,000 for federal.
Does a will avoid probate at my death? No. Many people assume that if they have a will, they will avoid probate at death. Probate is a process by which the court ensures that your debts are paid and your assets are distributed following your death. If you have a will, your assets are still subject to probate but they are distributed as you have directed in your will.
Are probate costs are expensive? Yes. A probate requires you that publish notice to creditors in your local newspaper once a week for four weeks and to pay a filing fee with the court, Additionally, most probates require notices be prepared and sent to all heirs and devisees of the deceased and that a final accounting be filed with the court prior to distribution of assets to the beneficiaries. This accounting can be cumbersome to prepare as the personal representative is required to account for all assets and expenses of the estate.
When does a will take effect? A will does not become effective until your death. Your will provides no protection if you become physically or mentally incapacitated during your lifetime. A trust goes into effect when it is signed. If you become incapacitated, your successor trustee is charged with acting in your best interest during your lifetime. If you do not have a trust, the court may order a guardian and conservator to make decisions regarding your care and finances if you are unable to do so for yourself.
“Once you set up a living trust, you can transfer the majority of your assets into the name of the trust.”
Can joint ownership avoid probate? If a husband and wife own property jointly, that property will pass to the surviving spouse at the first spouse’s death. However, the property will still need to be probated at the surviving spouse’s death. Also, if you add another co-owner such as one of your adult children to the property, the property could be subject to any judgments against that child. In addition, you may have created a tax issue where your child receives the gifted portion of the property at your value rather than inheriting it at the date of death value. Finally, the co-owner would have the right to sell or keep their interest in the property against your wishes.
Melissa P. Lande is a partner at Bryant, Lovlien and Jarvis in Bend. She focuses her practice on assisting her clients with estate planning, elder law, wills, trusts, probate, asset protection, guardianships and conservatorships. Melissa is a graduate of New York University and Washington and Lee University School of Law in Virginia. She is a member of the Oregon State Bar Estate Planning and Elder Law Sections. She and her husband, Mark, have a son, Griffin, and a daughter, Lila. Contact Melissa at 541 382-4331 or lande@bljlawyers.com. Ageless | Autumn 2013 | 35
COCOA NEWS CENTRAL OREGON COUNCIL ON AGING:
Meal on Wheels Fills a Niche by Monica Ramirez, MSW, Meals on Wheels Case Manager at Central Oregon Council on Aging
Monica Ramirez, MSW, Case Manager for Meals on Wheels can be reached at the Central Oregon Council On Aging (COCOA) main office at 541-678-5483. You can find more information about Meals on Wheels and other programs that COCOA offers at www. coucilonaging.org.
Central Oregon Council On Aging (COCOA) is the nonprofit organization that runs Meals on Wheels in Central Oregonians — the designated Area Agency on Aging. COCOA receives f u n d i n g f r o m t h e Fe d e r a l O l d e r Americans Act. Currently, COCOA is serving about 300 seniors in Central Oregon. We deliver meals to seniors who live from all the way down in Crescent to all the way up in Madras. The majority of Meals on Wheels clients consist of the aging population — over the age of 60 — who are living alone in their home and/or who are not able to drive or use transportation anymore. M o s t o f t h e s e s e n i o r s h ave a strong desire to remain independent in their homes, where they feel most comfortable. Meals on Wheels helps them achieve this by having a meal delivered to their homes by a volunteer driver. My jo b a s a c a s e ma nager for the Meals on Wheels Program is to complete initial assessments with the
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36 | Ageless | The Bulletin
Meals on Wheels recipients, complete annual assessments and to help with any complications that arise. H owe ve r, M e a l s o n W h e e l s i s more than just assessment s, case management and delivering a nutritious meal, although those are very important aspects to the program. Recently, I met one Meals on Wheels recipient who was more than a 100 years old! She discussed how important it was for her to stay in her home because she knew if she moved in with family, or into a facility, her health would decline. She was most happy at home. When I met her, I asked how her day was going. She said it couldn’t be going any better as she was sitting outside enjoying the fall sun. She discussed not only the ease of having a meal delivered to her but also the friendly visit by our volunteer drivers who deliver the meals each day. Without the Meals on Wheels program, seniors such as this woman would have less independence. Having the volunteers deliver the meals is an amazing aspect to the Meals on Wheels program. Central Oregon has approximately 150 volunteer drivers who deliver the meals to seniors. At
times, the volunteers and Meals on Wheels clients have close, meaningful relationships. Knowing that someone will be coming to the senior’s home to not only deliver a meal but check in on them gives the seniors, their families and friends peace of mind. Just this week, I went to a senior’s home where the drivers were worried because he hadn’t been home when they delivered the meals. When the senior answered his door and I told him who I was and why I was there, he started to laugh and said he had been at doctors appointments. He also said he oftentimes thinks to himself, “If something happens to me, who will know I need help?” I responded by saying, “Your volunteer Meals on Wheels driver will.” Meals on Wheels does more than just help our most vulnerable and at-risk seniors who struggle to leave their homes. It brings the community together, gives people a purpose and lets others know that the community cares for them. R e c ent l y, I br ief l y t a l ke d w it h volunteer Jean Frye who has been a volunteer driver for Meals on Wheels for
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38 years. She discussed that when she began volunteering, Meals on Wheels was run by volunteers and was privately funded. Frye said that the cooks prepared meals out of volunteer’s kitchens, churches, clubhouses or wherever they could find space. The program was organized by one couple who did everything from organizing the routes to finding places to cook the meals they were going to deliver. Mrs. Frye reminisced about how long she had been volunteering. She also discussed the current structure of meals on wheels. “ C O C OA h a s b e e n a bl e t o ma i nt a i n a s t a ble f r a mework for Meals on Wheels while also providing the warm and personal contact that has always been so important to the volunteers and the Meals on Wheels recipients,” she said. COCOA serves a wide array of people who have different financial situations and support systems. In one week I might visit a home in which the senior is living alone with no family or friends and is struggling to pay his or her bills. Another visit might be a home that has a large support system that are suppor ting the senior but just need a meal a day to help them and give them a break from caregiving. Meals on Wheels aims to serve those most in need, but the program does not require the
gathering of financial information. C u r r e n t l y, d u e t o f e d e r a l funding cuts, COCOA has been forced to make some revisions to the program, including reducing the number of meals per week delivered to clients in some areas or having to reduce the amount of fresh fr uit we ser ve. This is ver y distressing to me and the other employees at COCOA who work hard to take care for our community. As a nonprofit in Central Oregon, we are grateful for the continued outpouring of support from the community in the way of donations and volunteer drivers. I feel lucky to be able to serve seniors and work with the amazing volunteers who have very important roles in the program. Seeing that we are able to come together and serve a population that deserves to be cared for by the community is amazing to see.
[Meals on Wheels] brings the community together, gives people a purpose and lets others know that the community cares for them.
December Lecture Series “Oh Powerful Moon, What Do You Do to Me” Thursday, December 12th at 2:30 pm Please welcome Ciree Linsenman back as she asks the very question we ask ourselves, are you blaming the full moon for a rise in bizarre events, crime, or passionate acts has long been a tradition. Some people report enhanced intuitive abilities and instincts related to the moon’s phases. For years scientists have been trying to measure these claims. Lack of “evidence” seems to try and dispel the influence of the moon, most often the full moon, on the earths’ inhabitants. But for those of us who have experienced the moon’s power, the reality is undeniable. Join us for an exploration of facts, myths, and the romantic mystery of the moon. www.linsenman.wordpress.com
“Brain Train 2” Thursday, December 19th at 2:30 pm Guest speaker Francine Marsh returns for part 2 on how you can improve cognitive abilities of memory, attention, perception, reasoning, planning, judgment, general learning and overall executive functioning. There are proven benefits and improvement in self-esteem, self-confidence, and the ability to actively engage in goal directed cognition. There is something here for everyone … so all aboard the Brain Train. (Francine will also be signing up attendees that would like to enroll in this program)
“Music History part 6.5 20th Century Music part 2” Thursday December 26th at 2:30 pm In this second part of 20th Century music, Nathan Long returns to help us explore some of the more popular aspects of the change in music from the Romantic period to the popular music experience, especially the hybrid “folk/fine arts” styles of Ragtime, Jazz, Big band, and finally the advent of “the band,” which has led to the majority of our modern “folk music” selection.
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Ageless EVENTS & ENTERTAINMENT CALENDAR LIVE THEATER “MIRACLE ON 34TH STREET”: Bend Experimental Art Theatre’s production of the Christmas classic; $15, $10 for children 18 and younger; 2nd Street Theater, 220 N.E. Lafayette Ave., Bend; 541-312-9626 or www.beatonline.org. “THE GAME’S AFOOT; OR HOLMES FOR THE HOLIDAYS”: A 1936whodunitaboutaBroadwaystarnotedforplayingSherlock Homes solving one of his guests’ death; $19, $15 seniors, $12 students; Greenwood Playhouse, 148 N.W. Greenwood Ave., Bend; 541-389-0803 or www.cascadestheatrical.org.
SUNDAY, NOV. 17 PACIFIC MAMBO ORCHESTRA WITH TITO PUENTE JR.: The 19-piece big band performs Latin music; $30-$45 plus fees; 7:30 p.m., doors open at 6:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.
TUESDAY, NOV. 19 TROMBONE SHORTY & ORLEANS AVENUE: Upbeat jazz from New Orleans; $38-$60 plus fees; 7 p.m., doors open at 6 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.
SATURDAY, NOV. 23 THANKSGIVING FOOD FAIRE: A pop up market for local food for Thanksgiving; order turkeys online; free admission; 11 a.m.-3 p.m.; Central Oregon Locavore, 1216 N.E. First St., Bend; 541-633-7388 or www.centraloregonlocavore.org.
MONDAY, NOV. 25 “HENDRIX 70, LIVE AT WOODSTOCK”: A screening of Jimi Hendrix’s performance at Woodstock; $12 general admission, $48 club pass, plus fees; 7 p.m., doors open at 6 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www. towertheatre.org.
THURSDAY, NOV. 28 CENTRAL OREGON THANKSGIVING CLASSIC: Featuring a 5K and 10K run; race starts and finishes behind the amphitheater stage; proceeds benefit Girls on the Run, an affiliate program of Boys & Girls Clubs of Central Oregon; $25 for the 10K, $20 for the 5K, $10 for the Gobbler’s Walk; 9 a.m.; Les Schwab Amphitheater, 344 S.W. Shevlin Hixon Drive, Bend; www.deschutescountygotr.org.
SATURDAY, NOV. 30 10TH ANNIVERSARY BARREL TASTING CELEBRATION: Featuring a tasting of the 2010 cabernet sauvignon, tasting of the first estate wine, unveiling of a new line, wine or 38 | Ageless | The Bulletin
culinary themed decorative items, live music and more; $8 in advance, $10 at the door; 10 a.m.-6 p.m.; Maragas Winery, 15523 S.W. U.S. Highway 97, Culver; 541-546-5464 or www. maragaswinery.com. LAST SATURDAY: Event includes art exhibit openings, live music, food and drinks and a patio and fire pit; free; 6-10 p.m.; The Old Ironworks Arts District, 50 S.E. Scott St., Bend; www.j.mp/lastsat.
TUESDAY, DEC. 3 A CHARLIE BROWN CHRISTMAS WITH DAVID BENOIT: The acclaimed pianist and his quartet perform in a tribute to Charles Schulz; $30-$40 plus fees; 7:30 p.m., doors open at 6:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-3170700 or www.towertheatre.org.
WEDNESDAY, DEC. 4 CAROL WITH THE BELLS: Featuring an ensemble from The Bells of Sunriver; free; 1 p.m.; Sunriver Area Public Library, 56855 Venture Lane; 541-593-1635. ROSELAND HUNTERS: The Portland funk-rock band performs; free; 7 p.m.; McMenamins Old St. Francis School, 700 N.W. Bond St., Bend; 541-382-5174 or www.mcmenamins. com.
THURSDAY, DEC. 5 BENEFIT DINNER: Featuring dinner, auction, drinks and live music; proceeds benefit the Residential Assistance Programs’ alternative to work program; $30 per person, $50 per couple; 6-8 p.m.; Aspen Hall, 18920 N.W. Shevlin Park Road, Bend; 541-385-9902 or www.residentialassistanceprogram.org.
SATURDAY-SUNDAY, DEC. 7-8 “HIGH DESERT NUTCRACKER”: Redmond School of Dance presents the classic holiday ballet, in a style inspired by present day Central Oregon; $10, $5 ages 10 and younger; 7 p.m. Friday, 2 p.m. Saturday; Ridgeview High School, 4555 S.W. Elkhorn Ave., Redmond; 541-548-6957 or www. redmondschoolofdance.com.
TUESDAY, DEC. 10 TAKE 6: The gospel, R&B, pop and jazz a cappela group performs; $35-$45 plus fees; 7:30 p.m., doors open at 6:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.
WEDNESDAY, DEC. 11 THE WORLD FAMOUS POPOVICH COMEDY PET THEATER: Gregory Popovich performs with his pets who were once strays; $25-$35 plus fees; 7 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.
SATURDAY, DEC. 14 “A BAROQUE CHRISTMAS”: The Central Oregon Mastersingers perform a holiday concert; $18 plus fees; 7:30 p.m., doors open at 6:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.
SUNDAY, DEC. 15 “A BAROQUE CHRISTMAS”: The Central Oregon Mastersingers perform a holiday concert; $18 plus fees; 2 p.m., doors open at 1 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org.
SATURDAY, DEC. 7
SATURDAY, DEC. 28
BEND CHRISTMAS PARADE: Parade theme is “Look What’s Under the Christmas Tree!”; free; noon; downtown Bend; 541388-3879.
LAST SATURDAY: Event includes art exhibit openings, live music, food and drinks and a patio and fire pit; free; 6-10 p.m.; The Old Ironworks Arts District, 50 S.E. Scott St., Bend; www.j.mp/lastsat.
HARMONY4WOMEN BENEFIT CONCERT: A music performance featuring female voices joined in a four-part harmony; proceeds benefit Grandma’s House, Women’s Resource Center and Bella Acappella; $22.50, $17 for children, plus fees; 2 & 7 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700 or www.towertheatre.org. LA PINE HOLIDAY LIGHTS PARADE: The parade takes place on Huntington Road and ends at the La Pine Event Center with the awards ceremony; free; 6 p.m.; downtown La Pine; 541-536-9771.
THURSDAY, JAN. 9 THE CALIFORNIA HONEYDROPS: The Southern soul band plays the Sisters Folk Festval’s Winter Concert Series; $20 in advance, $25 at the door; 7 p.m., doors open at 6:30 p.m.; Sisters High School, 1700 W. McKinney Butte Road; 541-5494979 or www.sistersfolkfestival.org.
SATURDAY, JAN. 11 RED MOLLY: The Americana trio performs; $20-$25 plus fees; 7:30 p.m., doors open at 6:30 p.m.; Tower Theatre, 835 N.W. Wall St., Bend; 541-317-0700.
Ageless | Autumn 2013 | 39
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