Aging Times Magazine - November 2021

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VOLUME 1 | ISSUE 9 | NOVEMBER 2021

SALUTE TO OUR VETERANS Get Involved with the VFW Auxiliary and Support Veterans, Their Families and Your Community page 16

NATIONAL FAMILY CAREGIVERS MONTH 6 Ways to Support an Alzheimer’s Caregiver page 9

MEDICARE MINUTE

Types of Medicare Advantage Plans page 12

CONTENTS COVER STORY

TABLE OF CONTENTS

VOLUSIA COUNTY

VETERANS DAY PARADE

16 Salute to Our Veterans

DOWNTOWN DELAND

Get Involved with the VFW Auxiliary and Support Veterans, Their Families, and Your Community

SATURDAY NOV 13TH • 10 AM

MONTHLY FEATURES 6 Veterans Benefits

VA Spotlights Special Benefits for Elderly Wartime Veteran Population

OPENING CEREMONY 9:30 AM

7 Legal Matters

WOODLAND BLVD. & INDIANA AVE.

Tax Free Veteran’s Benefits

8 Making Strides in Dementia Treatment Slowing the Progression of the Disease

9 National Family Caregivers Month

6 Ways to Support an Alzheimer’s Caregiver

10 Social Security

Veterans And Active Duty Military Members: Social Security has Your Back!

Social Security Survivors Benefits Explained

11 Your Best Bet for Holiday Shopping in 2021 Take the Stress out of Holiday Shopping and Shopping Local

12 Medicare Minute

Types of Medicare Advantage Plans

15 Healthy Living for the Soul

Living with an Attitude of Gratitude

18 We Mustache You A Question ??

What Does Your Mustache Say About You?

20 Vacation Spotlight

Family Cruising – Family Reunions

Relax & Play Brain Games 22 Crossword Puzzle 24 Sudoku

27 Favorite Family Recipes Classic Stuffed Turkey

Honoring America's & Volusia County's Veterans!

More Information at MainStreetDeLand.org

RESOURCES 23 Volusia Business Services

Aging Times Magazine Businesses and Services for You

26 Classifieds

Items for Sale, Industry Jobs, Services, and More

28 Senior Resource Rolodex

Resource Directory of Trusted Providers

How To Advertise To advertise in Aging Times Magazine, please call Janet at 386-717-6267 or email janet.agingtimes@gmail.com Recipe & Classifieds Submissions Email to marketing.agingtree@gmail.com Follow Us on Facebook Facebook.com//AgingTimesMagazine

Aging Times Magazine | November 2021

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FOUNDERS/OWNERS Priscilla & Bruce Kincaid CO-FOUNDER Janet Dixon MANAGING EDITOR Priscilla Kincaid, RN, BSN, MBA

This November we have so much to be thankful for. This is our first November edition and I am eternally grateful to all of our staff, readers, advertisers, and community partners who have all come together to be a part of the Aging Times family. Without our amazing team here at Aging Times and you, Aging Times would simply not exist. The ability to have Aging Times Magazine come to life and watch in alongside our dedicated staff as our vision to be the resource for all things senior related become reality has been a blessing we are beyond blessed to watch grow and be a part of.

This edition we wanted to highlight our veterans and our families as these are two parts of our life that we hold near and dear to us at Aging Times. Being thankful for those that sacrifice their family time day in and day out to serve and protect our families as well as those who have sacrificed some of their greatest loves while serving our country, we are eternally grateful.

November not only represents two key holidays but it also is the start of the holiday shopping season for many. With that in mind did you know that the Saturday after Thanksgiving is known as Small Business Saturday? This is an annual occurrence within the United States to promote our small home-grown local businesses. As a small business we wanted to take a moment and showcase just a small preview of some of our local businesses and hope you take advantage of all they have to offer as well.

We hope you continue your endeavor through this edition with inspiration to take a moment and salute our veterans and your families, plan a family cruise for your next family reunion, and while we are on our adventure of life tap in to “Living With An Attitude of Gratitude.”

Enjoy your holiday’s this month with your loved ones near and far.

From our family to yours, Happy Veterans Day and Happy Thanksgiving to all;

Priscilla & Bruce Kincaid, Founders/Owners

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Aging Times Magazine | November 2021

DIRECTOR OF ADVERTISING Janet Dixon CONTRIBUTING WRITERS Raymond Allen Jr. Scott Selis Harry Martinez Cheryl Floyd Beth Douglas Adrienne Freeland Amanda Vallone Wayne Carter Jeanne Laurine ART DIRECTOR/GRAPHIC DESIGNER Casey Marshall

CONTACT US Aging Times Magazine 815 S. Volusia Ave., Suite 5 Orange City, FL 32763 Office: 386-626-AGING (2446) Email: marketing.agingtree@gmail.com www.agingtree.com Facebook.com//TheAgingTimesMagazine For advertising inquiries, please contact Janet Dixon at janet.agingtimes@gmail.com or 386-717-6267 ©2021 by Aging Tree, LLC. Aging Times Magazine is the official publication of Aging Tree, LLC. All rights reserved. Contents of this publication may not be reproduced without the permission from Aging Tree, LLC. We do not necessarily endorse the views expressed in the articles and advertisements, nor are we responsible for the products and services advertised. Check with a healthcare professional regarding appropriate use of any treatment.

Contact Janet Dixon Director of Advertising

386-717-6267

janet.agingtimes@gmail.com

AdvertiseDemographics with Us. Call| Today!

Map of Distribution | Distribution Points TARGET AUDIENCE

VOLUSIA COUNTY

RESIDENTS 55+

DISTRIBUTED TO ALL

WE ARE REGIONAL

LOCAL SENIOR COMMUNITIES

REACHING OVER

20,000

10,000 Americans retire everyday. 38% of Volusia County residents are 65 or older.

Volusia County has one of the highest concentrations of retirees in the state.

REASONS FOR PRINT ADVERTISING

1 We feature local merchants and vendors, providing 5 Our professional team of graphic designers create value with your sales message alongside other prominent businesses.

2 Our full color magazine is not just for advertising

but an outlet for information and community news.

3 We showcase your busness with ads, editorials, and informative articles.

4 Each editions reaches over 20,000 local

eye catching ads and editorials.

6 When you advertise with us for 6 or more months

your business is listed free in the Senior Resource Rolodex section.

7 Each edition has resourceful and educational

articles for seniors and their families helping them find solutions in every day living.

households and businesses.

Over 450 Distribution Points

Seville

Ormond By The Sea Ormond Beach

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Nursing Homes Select Convenience Stores Hospitals Medical Clinics Pharmacies Senior Centers Beauty Salons And Many More

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Times Magazine Grow with us! Be a part of our Aging TimesAging Magazine!

Contact Janet Dixon | Phone: (386) 717-6267 | Email: janet.agingtimes@gmail.com

Atlantic Ocean

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| November 2021

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VETERANS BENEFITS

VA SPOTLIGHTS SPECIAL BENEFITS FOR ELDERLY WARTIME VETERAN POPULATION As a follow-up to National Financial Awareness Day, August 14th, the Department of Veterans Affairs is launching an awareness campaign to inform elderly wartime Veterans and their families of their lesser-known pension, funeral, burial, and survivor benefits.

“VA’s pension benefit helps Veterans and their families cope with financial challenges by providing supplemental income,” said Acting Under Secretary for Benefits Thomas Murphy. “Currently, only 189,800 wartime Veterans and 139,800 surviving spouses are using their needs-based pension benefits that are meant to ease the burden on them, their families, and caregivers. We need to ensure all of our wartime Veterans and their survivors are aware of their benefits.”

The following benefits are available through VA’s Pension and Fiduciary Service for use in planning and preparing for the future.

VA Pension: is payable to wartime Veterans who are permanently and completely disabled due to non-serviceconnected disability, or who are age 65 years old or older, and who meet certain income and net worth limits.

Special Monthly Pension: is an additional benefit for Veterans in receipt of a pension who are housebound, require the aid and attendance of another person to help them with daily activities (such as eating, bathing, and dressing), have very limited eyesight, or require nursing home care.

Survivors Pension: for surviving spouses, there are two types of benefits Pension and Fiduciary Service offers. Survivors pension provides monthly payments to qualified surviving spouses and unmarried dependent children of wartime Veterans who meet certain income and net worth limits. A special monthly pension is also available to surviving spouses who are housebound or require the aid and attendance of another person.

Dependency and Indemnity Compensation (DIC): is available to dependents and parents and generally is not based on income and assets (except the income limits apply to parents). DIC is a monthly monetary benefit paid

to a surviving spouse, child, or parent of a Veteran who died from a service-related injury or illness, or when an active-duty service member dies in the line of duty. Special monthly DIC is also available to surviving spouses who are housebound or require the aid and attendance of another person.

A surviving spouse of a Veteran who served on a Blue Water Navy vessel offshore of the Republic of Vietnam, or on another U.S. Navy or Coast Guard ship operating in the coastal waterways of Vietnam between Jan. 9, 1962, and May 7, 1975, maybe eligible for DIC benefits—even if they were previously denied.

VA’s Funeral and Burial Benefits: are available for both service-related and non-service-related deaths. New regulations allow a flat-rate burial and plot or interment allowance with decreased paperwork and maximum payment permitted by law.

For those interested in burial benefits such as a Presidential Memorial Certificate, burial flag, headstone, or marker, the National Cemetery Administration has information about pre-need eligibility.

Many vulnerable senior wartime Veterans are targeted with misinformation. In many cases, this is because they are not fully aware of their benefits, which increases the chances of them being taken advantage of and/or defrauded.

VA encourages elderly wartime Veterans and their family members to consult a VA-accredited representative if they want or need help filing a claim. They are reminded to beware of individuals or companies that promise benefits or ask for money upfront, as only VA can make final determinations on eligibility.

Raymond Allen Jr., U.S. Army SFC (RET.) Volusia County Veterans Services 123 West Indiana Avenue DeLand, Florida 32720 Phone: 386-740-5102 Fax: 386-740-5101

EYE EXAMS

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EYELID SURGERY

1592 South SR-15-A | DeLand, FL 32720

CATARACT SURGERY

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CORNEA SURGERY

Other Locations: Lake Mary, New Smyrna Beach, Orange City, Ormond Beach and Winter Park

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Aging Times Magazine | November 2021

LEGAL MATTERS

TAX FREE VETERAN’S BENEFITS If you have never heard about the VA’s Aide and Attendant Care program (VA-A&A), you are not alone. This program pays a monthly benefit to wartime veterans or their widow(er) of up to $2,295 – TAX FREE! To receive VA-A&A, the veteran, or their widow(er) must prove eligibility.

Service Test

The first test requires proof that one served in the active military during wartime for the required length of time and received a discharge that was other than dishonorable.

You can find the wartime periods at the VA’s website at www.va.gov/pension/eligibility/.

Income Test

The second eligibility test requires proof that one’s adjusted income (gross income minus unreimbursed medical expenses, such as attendants, assisted living, incontinence supplies, etc.) must be less than the maximum benefit amount. For example, Income = $7,000 per month.

Memory Care = $6,000 per month. The “adjusted income” is $1,000 ($7,000 - $6,000 = $1,000). As $1,000 is less than the maximum benefit, the veteran or their surviving spouse passes the income test.

Net Worth Test

The final eligibility test is proof that one’s net worth is below $130,733. Maximum net worth includes annual income from all sources and the value of assets minus debt. However, your residence, vehicle(s), prepaid burial, and personal effects are not counted. So, if one’s annual income is $24,000, and has about $100,000 in bank accounts and investments, then the veteran or surviving spouse passes the Net Worth Test because $124,000 is less than $130,733. But if you have too much money, a lawyer who is familiar with the VA’s rules should be able to help you qualify, even though your assets are too high.

Conclusion: Proving eligibility for VA-A&A is difficult. Seek professional help.

Scott Selis, Elder Law Attorney, estate planning, probate, long-term care, government benefits, (Medicaid, Veteran’s benefits). Scott was Assistant Chair of Florida Bar’s Elder Law section, and Elder Law Attorney of the Year 2016.

Aging Times Magazine | November 2021

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MAKING STRIDES IN DEMENTIA TREATMENT One in three people will pass away with a form of dementia. Worldwide, approximately 61 million people have dementia, with over 60% living in low- and middle-income countries. As the proportion of older people in the population is increasing in nearly every country, the World Health Organization predicts that this number is expected to rise to 78 million in 2030 and 139 million in 2050.

One in three people will pass away with a form of dementia. Worldwide, approximately 61 million people have dementia, with over 60% living in low- and middleincome countries. As the proportion of older people in the population is increasing in nearly every country, the World Health Organization predicts that this number is expected to rise to 78 million in 2030 and 139 million in 2050.

With the trend of the average life expectancy becoming longer, neurodegenerative disease is on the rise. This is a growing concern in the medical community, and in society as a whole. Bradenton Research Center is a dedicated research center led by Medical Director Eric Folkens, M.D. The newest study being launched is one that will look at the effects of a new “investigational product” or medicine on those who may be predisposed to dementia-related illnesses.

While there is currently no cure for dementia-related illnesses, treating the symptoms with medicines that may make daily living more manageable is the recourse that we must harness. With studies that examine the effects of medicines on declining cognitive abilities, there is some hope for progress in the treatment of dementia. Bradenton Research Center protects subjects who are involved in studies, and strictly abides by both FDA regulations, as well as other protective state and federal laws concerning the conduct of human subject research.

“Alzheimer’s is such a terrible disease. We work with several different neurologists and physicians on studies relating to cognitive impairment that we hope will contribute to slowing or even possibly stopping the progression of the disease. Although we understand that reversing the disease does not seem possible at this time, we are striving to contribute to better wellness,” says Eric Folkens, M.D. There are certain genes and proteins that may show if you are predisposed to getting Alzheimer’s disease. Testing for P-TAU is not commercially available, but the increased presence of these proteins in blood and spinal fluid that may be indicative of the disease. MRI changes may also be an indicator of this and other neurological diseases.

Patients who meet the criteria for the study and agree to participate are compensated for their time. Their “caregivers” or study partners as compensated as well.

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Aging Times Magazine | November 2021

There is always a degree of risk associated with trying an experimental medicine or “investigational product”, but participants will be closely monitored for any reactions or adverse effects that may occur. Blood tests are also routinely done to examine how the “investigational product” or medicine is affecting the patient. The study is using a monoclonal antibody treatment, which is a type of protein made in the laboratory that can bind to substances in the body, or a placebo. Similar treatments are used on a variety of other diseases including COVID-19, rheumatoid arthritis and multiple sclerosis.

This study is designed to be a preclinical study on those who do not have dementia symptoms yet may be predisposed to the disease. The hope is to at least slow the progression of the disease.

“People need to talk more about dementia being a cause of death. If we truly understood the magnitude of neurodegenerative diseases, I believe there would be more of a drive to do these types of research studies.”

Bradenton Research Center is located at 3924 9th Ave W, Bradenton, FL 34205. For more information, you can contact 941-708-0005.

Beth Douglas is a writer and marketing communications professional with a passion for communications in the area of healthcare, senior care, and dementia education. She resides in Bradenton, FL and continues to be an advocate for quality care for the senior community.

Conviva Care Center is proud to sponsor this page for the Alzheimer's Association.

To learn more about Alzheimer’s disease and ways you can support families and people living with the disease, visit www.alz.org.

6 WAYS TO SUPPORT AN ALZHEIMER’S CAREGIVER November is National Family Caregivers Month. Providing help and support to caregivers can be easier than most people think. The Alzheimer’s Association offers these suggestions:

LEARN

CHECK IN

GIVE A BREAK

TACKLE THE TO-DO LIST

Educate yourself about Alzheimer’s disease – its symptoms, its progression and the common challenges facing caregivers.

Make a standing appointment to give the caregiver a break. Even one hour could make a big difference in providing the caregiver some relief.

BE SPECIFIC & BE FLEXIBLE

Open-ended offers of support, “Call me if you need anything", may be well-intended, but are often dismissed. Try making your offer of help or support more specific, “I’m going to the store, what do you need?”

Almost two out of every three caregivers said that feeling isolated or alone was a significant challenge in providing care for someone with Alzheimer’s or another form of dementia.

Ask for a list of errands that need to be run – pick up groceries, dry cleaning or even offer to shuttle kids to and from activities.

JOIN THE FIGHT

You can volunteer at your local Alzheimer’s Association office, participate in fundraising events such as the Walk to End Alzheimer’s and The Longest Day, advocate for more research funding, or sign up to participate in a clinical study as a healthy volunteer through the Alzheimer’s Association’s Trial Match.

Caring for someone with Alzheimer’s isn’t easy.

Reaching us is.

The Alzheimer’s Association® offers round-the-clock support and reliable information about memory loss, Alzheimer’s disease and other dementias.

14914661

Free 24/7 Helpline: 800.272.3900 Caregiver Center: alz.org/care

Aging Times Magazine | November 2021

9

SOCIAL SECURITY

VETERANS AND ACTIVE DUTY MILITARY MEMBERS: SOCIAL SECURITY HAS YOUR BACK!

Every year on Veterans Day, we honor the people who risk their lives to protect our country. Our disability program is part of our obligation to wounded warriors and their families. Social security is an important resource for military members who return home with injuries. If you know a wounded veteran, please let them know about our Wounded Warriors web page, www.ssa.gov/ woundedwarriors.

Our Wounded Warriors web page answers many questions commonly asked about social security, and shares useful information about disability benefits.

On this page, you can learn how social security benefits are different from benefits available through the Department of Veterans Affairs and require a separate application. We also explain how veterans can expedite the processing of their Social Security disability claims if they become disabled while on active military service on or after October 1, 2001, regardless of where the disability occurs.

Active duty military service members who continue to receive pay while in a hospital or on medical leave should consider applying for disability benefits if they’re unable to work due to a disabling condition. Active duty status and receipt of military pay doesn’t necessarily prevent payment of Social Security disability benefits.

We honor veterans and active duty members of the military every day by giving them the respect they deserve. Please let these heroes know they can count on SSA when they need us most. They’ve earned these benefits! Our web pages are easy to share on social media and by email with your friends and family. Please consider passing this information along to someone who may need it.

Harry Martinez, Social Security District Manager www.ssa.gov Phone: 1-866-964-7396

TERRY BAILEY

BROKER ASSOCIATE, GRI, CRS

terrybsells.com | 386.801.9300

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Aging Times Magazine | November 2021

SOCIAL SECURITY SURVIVORS BENEFITS EXPLAINED We are here for surviving family members when a worker dies. In the event of your death, certain members of your family may be eligible for survivors benefits.

These include widows and widowers, divorced widows and widowers, children, and dependent parents.

The amount of benefits your survivors receive depends on your lifetime earnings. The higher your earnings, the higher their benefits. That’s why it’s important to make sure your earnings history is correct in our records. That starts with creating a my Social Security account at www.ssa.gov/myaccount. A my Social Security account is secure and gives you immediate access to your earnings records, Social Security benefit estimates, and a printable Social Security Statement. The Statement will let you see an estimate of the survivors benefits we could pay your family.

You may also want to visit our Benefits Planner for Survivors to help you better understand Social Security protections for you and your family as you plan for your financial future at www.ssa.gov/planners/survivors.

Please visit www.ssa.gov or read our publication Survivors Benefits at www.ssa.gov/pubs/EN-05-10084. pdf for more information. You can also help us spread the word by sharing this information with your family and friends.

LINDA HANNON

BROKER ASSOCIATE, GRI, ABR

lindahannon.com | 386.848.8904

YOUR BEST BET FOR

HOLIDAY SHOPPING IN 2021

The headlines are filled with news of cargo ships backed up at ports around the country. Then, when they finally get the ships unloaded, there is a reported shortage of 80,000 truckers to deliver the goods to the local markets. Next the product has to go the “last mile” to get to you.

Where to go when you want to shop small?

SMALL BUSINESS

NOV

SATURDAY 27 ®

A local retailer reported the recent delivery of an order placed in July 2020. COVID-19 has disrupted our economy at the source. The whole supply line has been affected and is not expected to stabilize until well into 2022. Retailers large and small, online and local, face the same problems.

There are advantages to shopping locally, though.

Your local downtown’s small shops offer everything from books to vinyl albums, dresses and accessories to toys and pet items, computers to restaurant gift certificates and more that you can take home with you at the time of purchase.

You don’t need to wait for deliveries or back orders.

Shopping local takes the stress out of holiday shopping and helps make your community stronger by keeping more of your money here where it can be the most beneficial.

Jobs are created and taxes are collected, sure. But also, these local businesses are run by the people who live here and support the organizations and projects that make your town a place you love to call home.

Veterans Day Parade • November 13th Fall Festival of the Arts • November 20th & 21st

www.MainStreetDeLand.org

Your best bet for holiday shopping? Shop local and shop early this holiday season.

"Some people say historic preservation is about saving a building, I say it is about saving a town."

Wayne Carter, MainStreet DeLand Association www.mainstreetdeland.org Phone: 386-738-0649

Adult Day Care Centers Our Family Serving Yours

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Sender Retreat

Ask me how to pay for Adult Day Care Services with Medicaid Long Term Care.

Ana Rosa Randolph, M.S., R.D., L.D., Administrator

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Aging Times Magazine | November 2021

11

MEDICARE MINUTE

TYPES OF MEDICARE ADVANTAGE PLANS HEALTH MAINTENANCE ORGANIZATION (HMO)

Zero-dollar premiums mean zero worries.

And more Medicare benefits.

A Medicare Advantage plan from WellCare covers the hospital and doctor visits you need, plus extras that focus on the whole you. Like:

• • • • •

Prescription drug coverage Dental, vision and hearing Transportation to your doctor FREE fitness membership FREE over-the-counter health items

Medicare that helps you live a better, healthier life.

Call 1-407-212-1476 (TTY 711) 9 a.m. – 5 p.m., Monday-Friday, or visit WellcareNow.com.

WellCare Health Plans, Inc., is an HMO, PPO, PFFS plan with a Medicare contract. Our D-SNPs have contracts with state Medicaid programs. Enrollment in our plans depends on contract renewal. Please contact your plan for details.

WellCare Health Plans, Inc., complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATTENTION: If you speak a language other than English, language assistance services, free of charge, are available to you. Call 1-877374-4056 (TTY: 711). ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-877-374-4056 (TTY: 711). 注愠：如果您使用繠體中 文，您堯以兠費砲得語言栴助朠務。請致電 1-877-374-4056 (TTY: 711)。 Y0070_WCM_39467E_FINAL1_M CMS Accepted 08042019 NA0WCMADV39466E_NEWC © WellCare 2021 12

Aging Times Magazine | November 2021

Can I get my health care from any doctor, other health care provider, or hospital? No. You generally must get your care and services from doctors, other health care providers, or hospitals in the plan’s network (except for emergency care, out-of-area urgent care, or temporary outof-area dialysis, which is covered whether it’s provided in the plan’s network or outside the plan’s network). However, some HMO plans, known as HMO Point-of-Service (HMOPOS) plans, offer an out-of-network benefit.

Do these plans cover prescription drugs? In most cases, yes. If you want Medicare drug coverage, you must join an HMO plan that offers drug coverage.

Do I need to choose a primary care doctor? In most cases, yes.

Do I have to get a referral to see a specialist? In most cases, yes. Certain services, like yearly screening mammograms, don’t require a referral.

What else do I need to know about this type of plan?

• If your doctor or other health care provider leaves the plan’s network, your plan will notify you. You may choose another doctor in the plan’s network.

• If you get health care outside the plan’s network, you may have to pay the full cost.

• It’s important that you follow the plan’s rules, like getting prior approval for a certain service when needed.

MEDICAL SAVINGS ACCOUNT (MSA)

Can I get my health care from any doctor, other health care provider, or hospital? Yes. MSA plans don’t always have a network of doctors, other health care providers, and hospitals.

Do these plans cover prescription drugs? No. If you join a Medicare MSA plan and need drug coverage, you’ll have to join a separate Medicare drug plan.

Do I need to choose a primary care doctor? No. Do I have to get a referral to see a specialist? No. What else do I need to know about this type of plan?

The plan deposits money into a special savings account.

The amount of the deposit varies by plan. You can use this money to pay your Medicare-covered health care costs before you meet the deductible. Money left in your account at the end of the year stays there. If you keep your plan the following year, your plan will add any new deposits to the amount left over.

• MSA plans don’t charge a premium, but you must continue to pay your Part B premium.

• Some plans may cover extra benefits, like dental, vision and hearing. You may pay a premium if you use these services.

PREFERRED PROVIDER ORGANIZATION (PPO)

Can I get my health care from any doctor, other health care provider, or hospital? Yes. PPO plans have network doctors, specialists, hospitals, and other health care providers you can use, but you can also use out-of-network providers for covered services, usually for a higher cost.

You’re always covered for emergency and urgent care.

Do these plans cover prescription drugs? In most cases, yes. If you want Medicare drug coverage, you must join a PPO plan that offers drug coverage. If you join a PPO plan without drug coverage, you can’t join a separate Medicare drug plan.

Do I need to choose a primary care doctor? No. Do I have to get a referral to see a specialist? In most cases, no. But if you use plan specialists (in-network), your costs for covered services will usually be lower than if you use non-plan specialists (out-of-network).

What else do I need to know about this type of plan?

• Because certain providers are “preferred,” you can save money by using them.

• A PPO plan isn’t the same as Original Medicare or Medicare Supplement Insurance (Medigap).

• It usually offers extra benefits than Original Medicare, but you may have to pay extra for these benefits.

PRIVATE FEE-FOR-SERVICE (PFFS)

Can I get my health care from any doctor, other health care provider, or hospital? You can go to any Medicareapproved doctor, other health care provider, or hospital that accepts the plan’s payment terms and agrees to treat you. If you join a PFFS plan that has a network, you can also see any of the network providers who have agreed to always treat plan members. You can also choose an out-ofnetwork doctor, hospital, or other provider who accepts the plan’s terms, but you may pay more.

Do these plans cover prescription drugs? Sometimes. If your PFFS plan doesn’t offer drug coverage, you can join a separate Medicare drug plan to get coverage.

Do I need to choose a primary care doctor? No. Do I have to get a referral to see a specialist? No. What else do I need to know about this type of plan?

• The plan decides how much you pay for services.

The plan will tell you about your cost sharing in the “Annual Notice of Change” and “Evidence of Coverage” documents that it sends each year. continued on page 14

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(Oct. 15 – Dec. 7) FHCP Medicare is an HMO plan with a Medicare contract. Enrollment in FHCP Medicare depends on contract renewal. HMO coverage is offered by Florida Blue Medicare, Inc., DBA Independent Licensee of the Blue CrossMedicare and Blue depends Shield Association.

FHCP is HMO plan aa Medicare contract.

Enrollment in on FHCP Medicare Medicare is an anFHCP HMOMedicare, plan with withan Medicare contract.

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Aging Times Magazine | November 2021

13

continued from page 13

• Some PFFS plans contract with a network of providers who agree to always treat you, even if you’ve never seen them before.

• Out-of-network doctors, hospitals, and other providers may decide not to treat you, even if you’ve seen them before.

• In a medical emergency, doctors, hospitals, and other providers must treat you.

• For each service you get, make sure to show your plan member card before you get treated.

SPECIAL NEEDS PLAN (SNP)

An SNP provides benefits and services to people with specific diseases, certain health care needs, or limited incomes. SNPs tailor their benefits, provider choices, and list of drugs (formularies) to best meet the specific needs of the groups they serve.

Can I get my health care from any doctor, other health care provider, or hospital? Some SNPs cover services out-ofnetwork and some don’t. Check with the plan to see if they cover services out-of-network, and if so, how it affects your costs.

Do I need to choose a primary care doctor? Generally, yes.

Do I have to get a referral to see a specialist? In most cases, yes. Certain services, like yearly screening mammograms, don’t require a referral.

What else do I need to know about this type of plan?

• These groups are eligible to enroll in an SNP: • • People who live in certain institutions (like nursing homes) or who require nursing care at home (also called an “Institutional SNP” or I-SNP).

• People who are eligible for both Medicare and Medicaid (also called a “Dual Eligible SNP” or D-SNP). D-SNPs contract with your state Medicaid program to help coordinate your Medicare and Medicaid benefits.

• People who have specific severe or disabling chronic conditions (like diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, chronic heart failure, or dementia) (also called a “Chronic condition SNP” or C-SNP). Plans may further limit membership.

• A SNP provides benefits targeted to its members’ special needs, including care coordination services.

Source: Medicare & You Handbook 2021

Do these plans cover prescription drugs? Yes. All SNPs must provide Medicare drug coverage.

Stephen Croak Medicare Benefits Consultant

Cell: 386-241-7955 Scroak@careplus-hp.com

143 Executive Circle, Daytona Beach, FL 32114 14

Aging Times Magazine | November 2021

HEALTHY LIVING FOR THE SOUL

LIVING WITH AN

ATTITUDE OF

GRATITUDE

Happy Thanksgiving! This holiday brings a time to gather with family and friends to give thanks. We know that thankfulness isn’t only for a holiday or a Hallmark card.

Living each day with a sense of gratitude helps us to see and appreciate life.

Happy Thanksgiving! This holiday brings a time to gather with family and friends to give thanks. We know that thankfulness isn’t only for a holiday or a Hallmark card.

Living each day with a sense of gratitude helps us to see and appreciate life.

While having my morning coffee on the front porch swing, I enjoy writing down a gratitude list. Many days the first things on my list are the porch swing, the cup in my hand, my garden; a short repetitive list primes the pump, like the one behind my childhood home. After pouring a little water in the pump we lifted the handle up and down; soon a strong flow of water from deep in the well would begin to pour out. That’s what those first items are on my list. As my pen moves across the lines of the loose-leaf paper, my joy grows for all the people and things that flow from within me. Often there are new moments like the ones captured during a recent out-of-state visit with my daughter and grandchildren: my daughter sitting and chatting in person, her two-year-old calling out to me as she chased bubbles in the backyard, the seven-year-old running after yellow and golden leaves trying to catch the wonders of fall and later asking me for a song and story before bedtime. More moments included the youngest boy of five asking if he could hug me and then crawling into my lap to stay for a while, the oldest taller-than-me-now grandson standing next to me for a selfie, the nine-year-old boy playing games and hanging out just talking and standing with the oldest girl as we listened to the wind rustling in golden stalks of corn.

Moments with six of my eight grandchildren; and

for all I am grateful. Writing appreciations can help us to grow in gratitude.

In 2020, I gave away my lawn mower, determined to release the lawn and have mulched pathways and gardens that includes a labyrinth, created with my oldest granddaughter, Kaitlynn. The space has become a pollinator way station. Recently I had invasive trees removed from the area and a small mountain of recycled tree mulch left in my driveway. I am chipping away at the pile, one wheelbarrow at a time. Will I ever finish the project? Probably not, but the pathway task has become a gratitude journey, not a project to complete.

Let the worries and anxieties take a back seat in your thoughts. Remember the expression, “Put it on the back burner?” Concerns don’t go away, but they don’t always need our immediate attention; they can move to the back burner while we acknowledge our grateful heart.

What helps you focus on gratitude? Can you think of something to bring to your front burner of appreciation today? Enjoy a grateful heart for healthy living, for your soul.

Cheryl Floyd, Speaker/Storyteller and Heal your Life® Coach. Cheryl Floyd is a graduate of East Tennessee State University’s Master Storytelling program. Her career includes over thirty years in education, publishing, life coaching, public speaking, and storytelling. www.cherylfloyd.com

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Aging Times Magazine | November 2021

15

VFW AUXILIARY POST 8093

SALUTE TO OUR VETERANS

Every U.S. military veteran is an individual with a unique story of their service to our country.

But they also have something in common; they have kept us safe so we can enjoy our freedoms.

Veterans Day, originally known as Armistice Day, marks the cease-fire ending the hostilities of World War I. In 1938, Armistice Day became a legal holiday and in 1954, legislation changed the name to Veterans Day to include and honor all veterans.

Established 1914, members of the Veterans of Foreign Wars of the United States Auxiliary set out to serve the veterans of this country and our communities in honor of the sacrifices and commitment of every man and woman who has served in uniform.

HONOR AND SALUTE OUR MILITARY VETERANS ON VETERANS DAY

Today’s veterans served in World War II, Korea, Vietnam, the Persian Gulf, Iraq, and Afghanistan. Many have invisible scars. Some suffer from PTSD. Others have lost limbs and sustained life-changing injuries. Their families know what it is like to wait and pray for a safe return. Our Gold Star Families have made the ultimate sacrifice–the loss of their loved ones to war.

Treating and acknowledging the invisible scars veterans live with daily is imperative. The suicide rate among activeduty troops and veterans has outpaced its rate in the general population in recent years, but with so many risk factors inherent to military life, it’s difficult to pin down why.

Honor All Branches of the Armed Forces U.S. Air Force ★ U.S. Army ★ U.S. Coast Guard U.S. Marine Corps ★ U.S. Navy ★ U.S. Space Force

The greatest gift we can give to our military veterans is a grateful thank you. Be a proud American; honor all who have served and sacrificed.

• Display a flag in your front yard.

• Visit the grave site of a veteran.

• Attend a Veterans Day parade.

• Attend a ceremony at your local VFW Post.

• Thank an aging Veteran and ask about their service.

• Post a thank you or acknowledgment on Facebook.

• Send a thank you note to a veteran at the VA or State Veterans Homes.

• Volunteer for a veteran organization.

• Visit a local VA facility, nursing home or State Veterans Homes.

• Volunteer at a VA Medical Center, outpatient clinic or community living center.

Include your children and grandchildren in your Veterans Day activities. Teach them the importance of being patriotic and honoring our military veterans to ensure that future generations appreciate the freedoms fought for and won by veterans.

16

Aging Times Magazine | November 2021

® ®

The Veterans of Foreign Wars (VFW) of the United States Auxiliary honors our Veterans by providing “Unwavering Support for Uncommon Heroes®.” There are more than 3,500 individual Auxiliaries in the United States; in Florida there are currently 135 Auxiliaries.

There are five Auxiliaries in Volusia County: • DeBary Post 8093 • DeLand Post 2380 • New Smyrna Beach Post 4250 • Daytona Beach Post 1590 • Port Orange Post 3282 • Additionally, in Flagler County, Palm Coast Post 8696 Local Auxiliaries help support: • VFW Veterans Village in Fort McCoy, Florida • Emory L. Bennett State Veterans’ Nursing Home in Daytona Beach, Florida • Veterans Affairs (VA) facilities • VFW National Home for Children in Eaton Rapids, Michigan

ER TH O M

VFW

R

AUXILIARY

N

GRA

W H E E L

D- R AN GR GHTE U DA

ON

E L I G I B I L I T Y

G FA RA TH ND ER -

SO

ER

NDS

BROTHE

D

FA TH

WIFE

(Of persons who were or are eligible for membership in the Veterans of Foreign Wars of the United States.)

AN

Jeanne joined the VFW Auxiliary 8093 in DeBary, Florida, in 2008 under the eligibility of her father, World War II veteran Elwood “AL” Bauerle. Bauerle served in the U.S. Navy aboard the USS Indiana in the Asia-Pacific theater.

She has served the Auxiliary in many positions throughout the years and encourages others to join. “Volunteering is the heartbeat of our Auxiliaries. Whether you help with a fundraiser, bake cookies, visit a veteran in the hospital or nursing home, pack troop boxes, send cards, call a veteran for a wellness check or become an officer. It’s a way to say thank you by being involved.”

Those eligible are (members must be at least 16 years old):

SB

Jeanne Laurine, Department of Florida's Auxiliary Historian/Media Chairman, recently received national recognition for Historian/Media for the state of Florida, Southern Conference division in Kansas City, Missouri.

How can you get involved with the VFW Auxiliary and support veterans, their families and your community?

HU

Jean Hamil, 2021-2022 VFW Auxiliary National President, is the third National President from the state of Florida, in the 107 years since the organization was founded. Jean is a member of the East Seminole County VFW Auxiliary 10139 in Chuluota, Florida. She joined the Auxiliary under the eligibility of her father, George W. Nunnery, a Korean War veteran and has been a member since 1987. She has served the Auxiliary in numerous capacities including Auxiliary, District and Department (state) President in addition to several National offices and appointments.

SIS

TER

DAUGH

TER

G M RA O N TH D ER -

Step- and adopted parents, children, siblings (and half-siblings), grandparents and grandchildren are considered the same as biological parents, children, siblings, grandparents and grandchildren and may join the VFW Auxiliary under their VFW-eligible veteran.

MISSION

The objects of this organization shall be fraternal, patriotic, historical, charitable and educational; to assist the Posts and members thereof of the Veterans of Foreign Wars of the United States, and its own members whenever possible; to maintain true allegiance to the Government of the United States of America fidelity to its Constitution and Laws; to foster true patriotism; to maintain and extend the institutions of American freedom and equal rights and justice to all men and women, and to preserve and defend the United States of America from all her enemies whomsoever.

The Veterans Crisis Line provides free and confidential support and crisis intervention is available 24/7.

Call 800-273-8255 and press 1 or Text 838255.

Jeanne F. Laurine National Ambassador 2021-2022 Historian & Media Relations javajeandebary@aol.com 386.956.1913

Dale Simpkins, 2021-2022 Commander at VFW Post 8093, has been a member since 2008 originally from Marion, Ohio.. Dale served in the U.S. Army in Vietnam he has also served in other officer positions in the VFW. Dale would like to encourage our younger Veterans in our community to come and join our VFW Post 8093.

Aging Times Magazine | November 2021

17

WE MUSTACHE YOU A QUESTION ??

WHAT DOES YOUR

SAY ABOUT YOU?

They say the mustache makes the man, but what does your mustache say about you? When it comes to facial hair grooming, three dimensions of a mustache ought to be taken into account.

The first is north to south. How much space does your mustache cover between your nose and your teeth? The second is east to west. Does your mustache go ear to ear, or are you more of a narrow, right-between-the-nostrils kind of guy?

(I hope we don’t need to explain why that last one is no longer popular.) And, finally, the third dimension of ‘stashes is measured front to back.

Does your mustache enter a room seconds before the rest of your face?

When it comes to the height of a mustache (we’re talking north to south here) the taller your mustache the more you lean into Burt Reynolds territory, and if you’re going for the 70’s heartthrob look you’ve landed in the right place.

Men who rock the tall, full mustache give off easy, masculine confidence. Pair that same north/south ‘stache with a little bit of east/west length and you’ve got Sam Elliot. Also a great look, but a little more cowboy, and a little less rock and roll.

When we lose the north/south body but keep the east/ west length, we see the beginnings of a Clark Gable pencil mustache appear. This look was all the rage in the ’40s and ’50s but is not as popular today. Take that facial fur even wider and you’ve gone full Salvador Dali. This look is celebrated for its bravery but not generally recommended.

try,” though we all know it requires a good deal of effort to maintain. However, on the opposite side of that spectrum is the thick and luxurious lip foliage popularized by Mark Twain, Albert Einstein, and Ron Swanson.

Perhaps it is the man who makes the mustache. We can't even describe these luscious looks without conjuring the image of a famous male face. So to all the men out there who display their facial hair with confidence, we honor you today and every day. And, let it be known that we, at Aging Tree Magazine, think you look great.

Adrienne Freeland is a freelance writer who specializes in helping business owners communicate more clearly. Using skills developed in her former career as a professional fundraiser, Adrienne collaborates with her clients to craft engaging, targeted content.

Finally, let’s talk about mustache depth. This is a dimension of facial hair that not everyone can pull off. These days it's quite popular for men to leave a slight stubble of hair all over their faces. This look gives the message “I didn’t even

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Aging Times Magazine | November 2021

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Aging Times Magazine | November 2021

19

VACATION SPOTLIGHT

FAMILY CRUISING & FAMILY REUNIONS

Memories last forever. Take the trip. Plan the getaway. Make the memories. Travel as a family!

I am currently writing this article from a cruise ship, listening to the buzz of passengers talking about the experiences they missed over the last year and a half…and how many more they have planned. I have sat at dinner with people who lost their significant other, friends, and loved ones.

And I have seen the most incredible sights with people who have seen them through their traveling companions’ eyes. The one thing that resonates through every single experience, every single person, and every single conversation is that no one regrets their travel experiences.

For the husband who lost his wife to cancer, he doesn’t regret for one moment any of those adventures they had because they are now all amazing memories. For the wife who lost her husband to a heart attack, she is out exploring and remembering the good ol’ days when they brought their kids traveling.

With the holidays coming up, we will each look back on some fond memories as well as some bad ones, but one thing that is great to focus on is the here and now. When talking to your family, why not plan on skipping holiday gifts and replacing them with holiday family memories?

For over 20 years, my family and I have made Thanksgiving our holiday family reunion of choice. Every year our family picks a cruise, and instead of exchanging gifts, we pay our own fare to go on the family vacation. Everyone has the

chance to go out and enjoy their own excursions and have fun in their own way, but we all get together at dinner every night and reminisce. Both of my grandparents have since passed away, but the memories that I and all of my cousins, aunts, and uncles have made over the years are ones that we will never forget.

Over the past year, our office has worked with many families who are doing the same. They want to focus on more of an experience than anything else. We have planned family road trips through the West, stays in mountain cabins, and trips to Mexico and Jamaica at all-inclusive resorts, all so that our family travelers can get together and have a great time while making lasting memories.

If you ask me, a memory lasts forever. Take the trip. Plan the getaway. Make the memories. Travel as a family!

Happy Thanksgiving to you all! I hope you stay safe and well and enjoy the holiday.

Amanda Vallone is the co-owner of Roseborough Travel Agency in DeLand. She is passionate about helping people experience the world around them. She was awarded and or recognized for the 40 under 40, President’s Excellence in Business, Future Leaders in Travel, Best Travel Advisor, and Best of the Best awards over the last 10 years.

Your Dream Vacation is Our Priority.

140 East Indiana Avenue, DeLand, FL 32724 386-734-7245 • www.roseboroughtravel.com • info@roseboroughtravel.com 20

Aging Times Magazine | November 2021

Take Charge in 2021

.

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Probate Elder Law Business Estate Planning Real Estate

Akin Law P.A. 386-738-5599 | Akin-Law.com Here to assist with your Elder Law needs!

Aging Times Magazine | November 2021

21

RELAX & PLAY BRAIN GAMES

CROSSWORD PUZZLE

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DOWN 1. Engine knock 2. Biology lab gel 3. Amble all over 4. Expanded essay 5. Discharged 6. Carpenter's machine 7. Food for a ladybug 8. Bird feeder fill 9. Aesop's also-ran 10. Utter confusion 11. Typical 12. Begin 13. Kitchen features 21. Tango quorum 22. Genre for 37-Down

53

25. Display a public notice 26. Vanity case for milady 27. Ready to pick 28. Some farm females 29. Weed uprooter 31. Novel staple 32. Place for a literary catcher 33. Not open or ajar 34. Carve in stone 35. Is inquisitive 37. Mechanical man or woman 38. J. Edgar Hoover's org.

39. Gorbachev's policy

43. Beginnings 44. Evildoer 45. Move one's tail 46. Italian bowling game 47. It can create long lines 48. 180 on the road 49. Male Madison Ave. employee 50. Feudal lord 52. Homecoming returnee 53. Not finalized, legally 54. Great Lakes city 55. Utilize hip boots 56. Winter vehicle

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Aging Times Magazine | November 2021

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ACROSS 1. Thing you can't make when bald 5. Cut dramatically, as prices 10. Make untidy, as hair 14. Dr. Frankenstein's assistant 15. "New Guinea" starter 16. spumante 17. Church part 18. Old knockout gas 19. Chinese currency 20. Seal hunter 23. Like some jackets 24. Some Boston pros, briefly 25. Era 28. Carpentry leveler 30. Man famed by elevators 31. Evidence 33. Vast amount 36. 115-pound brawlers 40. Secure one's shoes 41. Double-reed instruments 42. Gambler's "lady" 43. Final notice 44. Long, narrow strips 46. Kirby of "City Slickers" 49. Assumed name 51. Really great tidings 57. What this is 58. Smallest detectable sensation 59. Face-to-face exam 60. Particular breath mint 61. Grammar topic 62. "Us" or "them," in competitions 63. West enders?

64. One who goes for the gold?

65. Irate (with "off')

LAST MONTH’S ANSWERS

THIS PUZZLE IS TERRIFIC

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Aging Times Magazine | November 2021

23

RELAX & PLAY BRAIN GAMES

SUDOKU

2

6 9 5

3

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9 4 3

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2 5

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2 6

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LAST MONTH’S ANSWERS

1

HOW TO PLAY SUDOKU

The goal of Sudoku is to fill in a 9x9 grid with digits so that each column, row, and 3x3 section contain the numbers between 1 to 9. At the beginning of the game, the 9x9 grid will have some of the squares filled in. Your job is to use logic to fill in the missing digits and complete the grid. Don’t forget, a move is incorrect if: • Any row contains more than one of the same number from 1 to 9 • Any column contains more than one of the same number from 1 to 9 • Any 3x3 grid contains more than one of the same number from 1 to 9

3

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Aging Times Magazine | November 2021

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Aging Times Magazine | November 2021

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FAMILY RECIPE FAVORITE FAMILY TRADITIONS

CLASSIC STUFFED TURKEY Makes 12 servings (10 cups stuffing)

Ingredients 1 2 2 ½ ½ 1 1/3 2 1 1 ½ 12

turkey (14 to 16 pounds) large onions, chopped celery ribs, chopped pound fresh mushrooms, sliced cup butter can chicken broth (14 ½ ounces) cup minced fresh parsley teaspoons rubbed sage teaspoon salt teaspoon poultry seasoning teaspoon pepper cups unseasoned stuffing cubes Warm water Melted butter

Directions

1. In a large skillet, saute the onions, celery and mushrooms in butter until tender. Add broth and seasonings; mix well.

Place bread cubes in a large bowl; add mushroom mixture and toss to coat. Stir in enough warm water to reach desired moistness.

2. Just before baking, loosely stuff turkey. Place any remaining stuffing in a greased baking dish; cover and refrigerate until ready to bake. Skewer turkey openings; tie drumsticks together with kitchen string. Place breast side up on a rack in a roasting pan. Brush with melted butter.

3. Bake turkey, uncovered, at 325° for 3-3/4 to 4-1/2 hours or until a thermometer reads 180° for the turkey and 165° for the stuffing, basting occasionally with pan drippings. (Cover loosely with foil if turkey browns too quickly.)

4. Bake additional stuffing, covered, for 30-40 minutes.

Uncover; bake 10 minutes longer or until lightly browned.

Cover turkey with foil and let stand for 20 minutes before removing stuffing and carving. If desired, thicken pan drippings for gravy.

STUFFED TURKEY RECIPE TIPS How can I cook a stuffed turkey safely?

To cook a stuffed turkey safely, the stuffing must reach an internal temperature of 1650 to prevent the risk of bacteria growth. We don't typically recommend cooking stuffing inside a turkey because it can dry out your bird. If you want to go the stuffed route, this is the recipe we'd recommend making. If not, cook your turkey and stuffing separately.

What can you put inside a turkey besides stuffing?

We love to add aromatics to the turkey cavity. Some great options are onions, carrots, celery and herbs (rosemary, thyme and sage will do the trick). Don't forget to season the cavity with salt and pepper, too.

How do I make my own stuffing cubes?

Making stuffing cubes is as easy as making homemade croutons! Simply cube the bread, place it in a single layer on a baking sheet and lightly toast at 2250 to 2500 for about an hour. Turn the cubes occasionally for even toasting.

How can I make the stuffing my own?

To make this stuffing your own, try adding fun mix-ins like pecans, sausage, bacon and dried cranberries.

Does your family have a "go-to" family recipe and a story to share?

Aging Times is looking to share a family heirloom within our magazine each month and we need your families story to make it perfect! If you have a recipe to share and a story please submit via email to marketing.agingtree@gmail.com.

We want to share your story and recipe with our readers!

Come experience our vibrant senior living community in DeLand.

Good Samaritan Society – Florida Lutheran 450 N McDonald Ave • DeLand, FL 32724 All faiths or beliefs are welcome. © 2021 The Evangelical Lutheran Good Samaritan Society. All rights reserved. Assisted Living Facility #AL5455.

569-455-748 5/21

good-sam.com 386.736.5800 Aging Times Magazine | November 2021

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Our business partners have committed to providing premium products and excellent service. When contacting a trusted provider be sure to ask for Aging Tree premium services.

ADULT DAY CARE Sender Retreat 386-453-4827 www.senderretreat.com Stay for the Day 386-453-4827 www.stayforaday.org

COMPANION SERVICES No Place Like Home - Maker Companion Services, LLC License #234127 386-414-9787

www.homemakercompanionservices.com

DERMATOLOGY

ASSISTED LIVING COMMUNITIES SENIOR LIVING PARTNERS

Alliance Community 386-734-3481 www.alliancecommunity.org Freedom Oaks Assisted Living ALF License #134581 386-767-5556 www.freedomoaksassistedliving.com Good Samaritan Society ALF License #AL5455 386-736-5800 www.good-sam.com Savannah Court of Ornage City 386-878-4374 www.slm.net Summerhaven Assisted Living ALF License #11967538 386-668-3674 www.summerhavenassistedliving.com ASSISTED LIVING PLACEMENT & CARE MANAGEMENT Aging Tree LLC 386-626-2446 www.agingtree.com

Annexus Dermatology & Aesthetics 386-628-3376 www.annexusderm.com ELDER LAW ATTORNEY Akin Law 386-738-5599 www.akin-law.com Meeks & Ceely, PL Coren J. Meeks 386-734-0199 www.meeksandceely.com

FINANCIAL MainStreet Community Bank of FLorda 800-983-3454 www.bankonmainstreet.com HEARING AIDS, SCREENINGS/ TEST, & ACCESSORIES Hearing Healthcare Centers LLC Lisa Jones, BC-HIS 386-837-4849 www.hhcfla.com HOME IMPROVEMENT Allen’s Appliance Service 386-668-5441 www.allensapplianceservice.com Ed Senez Aluminum Specialist, Inc 386-775-4915 www.edsenezaluminum.com

Selis Elder Law of Florida Scott A. Selis 866-735-3377 www.elderlawfirmfla.com

Install Don’t Fall Jacob Wilkerson 407-496-6066 www.installdontfall.com

The Law Firm of Astrid de Parry, P.A. Alyson G. Morelli 386-736-1223 www.delandattorney.com

Senez Roofing Specialist, LLC 386-774-4950 www.senesroofing.com

The Law Offices of Michael Newman Michael Newman 407-413-2588 www.newmanlaworlando.com EYE HEALTH

PHYSICIAN PARTNERS

Central Florida Eye Specialists 386-734-2931 www.theeyespecialists.com

HOME HEALTH Apex Home Healthcare Services 386-775-0164 www.lhcgroup.com QwestCare Home Health License #299995122 386-327-1447 www.qwestcarehealth.com

Contact Janet Dixon Director of Advertising

Call Today!

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Aging Times Magazine | November 2021

386-717-6267

janet.agingtimes@gmail.com

HOSPITALITY Holiday Inn Express & Suites Deland South 386-507-2500 www.hiexpress.com/delandfl INDEPENDENT SENIOR LIVING College Arms Towers 386-734-2299 John Knox Village 386-775-0788 www.johnknox.com Villa Grande on Saxon 386-774-1234 www.villagrandeonsaxon.com INSURANCE American Advisors Group John Reardon 904-982-2210 www.aag.expert/JohnReardon CarePlus Health Plans Stephen Croak 386-241-7955 www.careplushealthplans.com CMD Insurance Agency Carmen Duffy 386-315-4846 CNBrown Insurance Carol N. Brown 383-848-0543 www.carolnbrown.com Independent Insurance Pros Carl Thompson 386-668-6203 www.independentinsurancepro.com Murray Insurance Agency, Inc. Lynn Seck 386-437-5028 www.murrayins.net

Mutual of Omaha Insurance Company Todd M. Myers 407-805-0441 ext. 243 www.toddmmyers.com WellCare Health Plans 407-212-1476 (TTY 711) www.wellcarenow.com NON-PROFIT ORGANIZATIONS Athens Theatre 386-736-1500 www.athensdeland.com Barberville Pioneer Settlement 386-749-2959 www.pioneersettlement.org Elder Source 904-391-6699 www.myeldersource.org Habitat for Humanity DeLand 386-734-7268 www.wvhabitat.org MainStreet DeLand Association www.mainstreetdeland.org West Volusia Tourism 386-734-0162 www.visitwestvolusia.com ORTHOPAEDIC Florida Orthopaedic Associates 386-774-2500 www.fl-ortho.net PHONES FOR THE HEARING IMPAIRED Florida Telecommunications Relay, Inc. 888-504-7317 www.ftri.org/free

PODIATRIST Roy Rothman, DPM 386-753-1918 www.rothmandpm.com PRIMARY CARE PARTNERS Absolute Health Professionals 386-767-5556 www.absolutehealthpro.com Conviva Care Center 844-910-0332 www.meetconviva.com REAL ESTATE SPECIALISTS Central Florida Home Pros LLC 386-668-2626 www.cflhomepros.com Charles Rutenberg Realty Terry Bailey 386-801-9300 www.terrybsells.com Charles Rutenberg Realty Linda Hannon 386-848-8904 www.lindahannon.com Kemp Realty Group Maureen Kemp 386-801-4276 www.livelovedeland.com TRAVEL AGENCY Roseborough Travel Agency 386-734-7245 www.roseboroughtravel.com

FAST SAME-DAY SERVICE SERVICING ALL MAJOR APPLIANCES AND BRANDS • NO OVERTIME • NO SECOND VISIT CHARGE • NO TRAVEL CHARGE • FLAT RATES

Schedule Your Service Online at AllensApplianceService.com

386-668-5441 • 386-574-8433 Aging Times Magazine | November 2021

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CALL TODAY FOR 20% OFF BOTOX! (Dysport, Xeomin, Jeaveau)

386-628-3376 All Major Insurances Accepted

We are a medical, surgical and aesthetic skincare center treating a wide variety of diseases affecting the skin, hair and nails. Treatments and procedures for adults and children of all ages!

Dr. Neil Sanhu, Board-Certified Dermatologist & MOHS Surgeron 258 Treemonte Dr., Orange City • 860 Peachwood Dr., DeLand

Introducing a New Way to Navigate The Golden Years As we enter our Golden Years we are provided new chapters, journeys, obstacles, and many lifestyle changes. Aging Tree is here to provide guidance and support through all of your needs.

Let Aging Tree help navigate you with your needs for all things senior!

Reach Out for Your Free Consultation!

386-626-AGING (2446) | www.agingtree.com by appointment only

Do What You Love.

We’re More Than Just a Retirement Community.

Designed for a happy retirement and a lifestyle of whole-person wellness, John Knox Village of Central Florida is a beautiful, neighborhood-style independent living community offering room to enjoy retirement your way.

As a continuing care retirement community (CCRC)/Life Plan Community, with the lifelong protection of Life Care, John Knox Village has all the care you might ever need, from Assisted Living, Skilled Nursing, Home Health, Rehabilitation, and Memory Care - all on one campus.

When you’re part of this independent living community, you can continue your active lifestyle, knowing your future is secure. Plus, our Oak Park Senior Center is your state-of-the-art resource for wellness, pharmacy and more!

Enjoy the comforts of home with the peace of mind of knowing John Knox Village is there for you when you need us. Our spacious, well-appointed apartments, cottages and villas provide: • Maintenance free living • 24/7 campus security • Bi-weekly housekeeping • 24/7 on call resident nurse • Paid utilities • Conveniently located close to planned • On-site salon and barbershop social, cultural and spiritual activities

JohnKnox.com

Call (386) 775-0788 to schedule a tour or to find out more about our new construction, Valencia Landing!

101516

Love Where You Live.

A FULL- SERV ICE CONTINUING CARE RETIREMENT COMMUNIT Y.