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SENIOR LIFE AN ANTON MEDIA GROUP SPECIAL
FEBRUARY 6 - 12, 2019
A book’s lighthearted approach to aging Seasonal Affective Disorder
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Seasonal Affective Disorder Caring for older loved ones who suffer from SAD BY ANNE MARKOWITZ RECHT
walk, or play a family game. If they can stay updated with you and your family’s life, they’ll feel loved and appreciated.
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inter depression is still a mystery to scientists who study it, but many Americans suffer from this very real disorder—especially aging adults. Combined with depression, loneliness, and feelings of frustration, now is the time to pay special attention to your older loved one.
Be Affectionate Do not underestimate the power of affection. Hugs, holding hands and other physical gestures of affection have the potential to ease our minds. When your loved one confides in you, take their hand to show you’re supporting them through this. Make sure you hug them, and show them you care. These acts of affection make us feel less isolated, as well as reduce stress and anxiety.
Show Empathy Make sure you are showing your loved one empathy during this time. Aging can be difficult, and it is natural for some people to feel down. Validate their feelings, and talk about your own struggles or sadness.
Create New Memories
Listen
Create new traditions and memories. Seniors need many things to look forward to. Start new traditions they are easily able to participate in, like taking new pictures or inventing a fun family game.
When they vent about their feelings, really listen. Ask them further questions to ease their fears. Are they concerned they’re “in the way”? Do they feel like a burden? Let them know these feelings are valid, but not the case, and assure them they are a loved and valuable part of your family and life.
Include Them Make sure your loved one never feels unhelpful or unwanted. Include them in as many events and occasions as possible, whether it’s a graduation, a birthday, or the smallest gathering, keep them involved.
If you or a loved one are experiencing feelings of depression, there is help and there is hope. Be sure to seek proper medical help as well as therapy.
Spend Quality Time Spend quality time with your elderly parent. Make frequent family visits or calls with loved ones. Discuss current events, take them for a
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Alzheimer’s Association Hosts Top Fundraisers, Sponsors At Dinner Klein, her mother Carole Klein, and their large team of friends and family. “This disease can be one of isolation. Walk day is a day of hope where everyone unites and walks together to get one step closer to our vision of a world without Alzheimer’s,” said Douglas Davidson, Executive Director, Alzheimer’s Association Long Island. “We host the Walk recognition dinner as a way to thank those who give so much to raise funds and awareness for care, support and research.” Alzheimer’s disease is the sixth leading cause of death in America. There are 5.7 million people nationwide, including 400,000 in New York, living with Alzheimer’s disease. More than one million New Yorkers provide unpaid, informal Alzheimer’s care. According to the 2018 Alzheimer’s Association Alzheimer’s Disease Facts & Figures Report, Alzheimer’s disease care in the United States cost $277 billion last year alone. For more about Alzheimer’s, visit www.alz.org or call 800-272-3900. —Submitted by the Alzheimer’s Association
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From left: Alyson Iron, Hayley Mayer and Stuart Mayer
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ienna in Roslyn was the site of the latest Walk to End Alzheimer’s recognition dinner where the Alzheimer’s Association Long Island Chapter hosted more than 50 people, honoring top fundraisers, sponsors and volunteers from the inaugural Nassau County Walk to End Alzheimer’s. The walk took place this past September at Eisenhower Park in East Meadow. Walk to End Alzheimer’s Chair Hayley Mayer of Roslyn, was the force behind the Nassau County Walk, which raised $215,000. Her firm, Prager Metis CPAs, is a national Walk sponsor and raised more than $50,000, making them the number one fundraising team for the Nassau Walk. Mayer placed second in individual fundraising by raising over $19,000. Her brother, Stuart Mayer of Woodbury, took the third spot with $6,330. Alyson Irom of Roslyn, walked as part of Stan’s Fans to honor her father, who is currently living in a memory care facility in New Rochelle. She raised $22,200, making her the top individual fundraiser for Nassau County. Irom had a lot of support from her twin brother, Andrew
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The Silver Lining Over-Sixty: Shades of Gray book takes on old age with a laugh
BY JENNIFER FAUCI
Island broadcast journalist. “Carol was my teacher when Getting older is a fact I went back to school for about life that cannot be my masters, and we have avoided. For some, age is been longtime friends and just a number, but for others colleagues ever since.” there are some serious Co-author Pack was a concerns and questions. former [Long Island News Barbara Paskoff and Carol Tonight] anchor and asPack decided to combine signment manager who was both sides of the spectrum recently inducted into the about facing old age in their Press Club of Long Island self-published book, OverHall of Fame. Sixty: Shades of Gray—A “I’m a fiction author—I Journey Through Life’s have a series of books called Later Years (On The Road Chronicles: The Library of To Fossilization). The book Illumination—but this is my takes a humorous approach first foray into a nonfiction to the senior experience, and book,” said Pack. according to both authors, is So how did the two a feel good book for any age. women come to write such “I used to produce health a book? It all began when documentaries for PBS so I Paskoff picked up a magaknew a bit about the field,” zine in a doctor’s office. said Paskoff, an Emmy“Many years ago I was nominated former Long in a waiting room looking jfauci@antonmediagroup.com
at a health magazine but it stopped detailing health tips at the age of 50. I got annoyed and was so angry,” said Paskoff, who needed to find an outlet for her emotions. “That was the impetus that started us writing the book. I always felt dismissed at that age and I felt that age in this country is not respected so this gave us an outlet to say to our demographic, ‘hey, we are 60 million of us and it’s unfortunate that we are so underrepresented.” Paskoff said that she and Pack spoke to many people who feel the same way and that Over-Sixty: Shades of Gray address the emotional aspect of aging so they don’t have that feeling. Simply put, the authors want their readers to know that there
are people out there that can relate. “There are many embarrassing changes that come with aging and you’re not in this alone. Everyone has these problems that you’re thinking about,” said Pack. “We took a humorous approach with personal experiences, quotes and cartoons because we want to be able to laugh about ourselves with a lighthearted look about getting older.” Even Paskoff shared that the term “senior citizen” is such a hard name to wrap her head around as she doesn’t feel or act that way. Instead, she prefers to savor and accept every moment in life, as you never know what is going to happen next. “This book gives the younger readers some kind
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of understanding what their parent or grandparent is going through while appealing to those looking for a bit more of an educational primer for old age,” she said. The book, which features 17 subject-matter experts across various medical, health and psychological fields, keeps readers engaged with cleverly named chapters like “When My Hair Has Turned to Silver,” “You Want Us To Wear What?” “From iPhone to Life Alert,” and many others. Topics vary from bodily changes and physical appearance to sex and marriage and grandparenting. With so much information, the authors decided to take the highlights of all of their interviews ad condense them into bullet points for an easier read. “We talk about memory lane and what people remember growing up about the good old days,” said Pack of the several pages that include relatable material about family, technology, school, music and current events. “We do
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Authors Carol Pack and Barbara Paskoff include some serious essays but it’s also lighthearted.” Pack and Paskoff said it took them four years to write the book, including the year they took off to create a proposal and get an agent. The two authors are keeping busy, promoting their book by doing
speaking engagements and book signings. “We’re like Yin and Yang,” said Pack. “We’re total opposites of one another, but we connect so well over so many things.” “Writing with someone you know about something you care about…it’s been an
extraordinary experience writing this book,” said Paskoff. “We hope this book fills a void for those people who feel embarrassed talking about their age.” Pick up a copy of OverSixty: Shades of Gray online at Amazon, Barnes & Noble or the iTunes store.
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Neglecting Oral Care Puts Overall Health At Risk
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Conscientious parents constantly remind their children to brush and floss, and routinely schedule dental checkups to make sure their teeth and gums are healthy—and staying that way. But youngsters aren’t the only ones who can use such reminders. Older Americans need to put a priority on their oral health as well, and research shows that as a group they aren’t doing so. In fact, the statistics are grim. The Centers for Disease Control and Prevention reports that almost every single American over age 65 (96 percent) has had a cavity, and 20 percent have untreated tooth decay. Another 65 percent suffer from gum disease, an ailment that has been linked to a host of other problems, such as strokes, heart disease and diabetes. Anyone who thinks they can ease up on dental care as they age is making a big mistake. Not only do poor dental habits affect what’s going on in your mouth, they also affect your overall health. Some of the CDC’s findings that are troubling include:
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Coverage varies based on plan selected. Once enrolled into your Medicare Supplement Insurance Plan, your coverage is guaranteed for the life of the plan with only two exceptions/restrictions: nonpayment of premiums and material misrepresentation. 3 SilverSneakers is a value-added program. It is not insurance and not part of the Medicare Supplement insurance plans. It can be changed or withdrawn at any time. Please check with your doctor before you start a physical activity program. The SilverSneakers fitness program provided by Tivity Health, an independent company. Tivity Health and SilverSneakers are registered trademarks or trademarks of Tivity Health, Inc., and/or its subsidiaries and/or affiliates in the USA and/or other countries. © 2017 Tivity Health, Inc. All rights reserved. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company. This policy meets the minimum standards for MEDICARE SUPPLEMENT INSURANCE as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 65%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. Products offered are not connected with or endorsed by any division or agency of the state of New York, the United States government, or the Federal Medicare program. The policy form numbers are: APLANAM(17)-NY BCBS; APLANBM(17)-NY BCBS; APLANFM(17)-NY BCBS; APLANGM(17)-NY BCBS; and APLANNM(17)-NY BCBS. A CONSUMER’S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE OR FROM THIS INSURER. We do not discriminate, exclude people, or treat them differently on the basis of race, color, national origin, sex, age or disability in our health programs and activities. 注意：如果您使用繁體中文，您可以免費獲得語言援助服務。請致電 1-888-211-9817 (TTY: 711)。 ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-888-211-9817 (TTY: 711). This policy has exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, please contact your agent or the health plan. Services provided by Empire HealthChoice Assurance, Inc., licensee of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. 1
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Oral cancer Cancers of the mouth (oral and pharyngeal cancers) are primarily diagnosed in older adults; median age at diagnosis is 62 years. That’s another reason it’s important for older people to have regular checkups. Your dentist can check for signs of oral cancer during those visits.
Dry mouth Most older Americans take both prescription and over-the-counter drugs, many of which can cause dry mouth. Reduced saliva flow increases the risk of cavities. Saliva helps prevent tooth decay, gum disease and bad breath, and also lubricates the mouth, making it easier to eat, swallow, speak and taste food. Sometimes dry mouth might just cause mild discomfort. At other times it can lead to significant oral disease that can compromise the person’s health, dietary intake and quality of life. As you age, proper oral care is just as important as ever,” Katz says. “It’s not something you want to ignore because your overall health is at stake.
Dr. Harold Katz, developer of TheraBreath Healthy Gums Oral Rinse, received his degree in bacteriology Tooth loss from UCLA and is the founder of The Nearly one in five adults aged 65 California Breath Clinics and author or older have lost all of their teeth. of The Bad Breath Bible. He has been Complete tooth loss is twice as featured on ABC’s Good Morning prevalent among adults aged 75 and America, CBS’s Early Show and The older (26 percent) compared with View with Barbara Walters and countless adults aged 65 to 74 (13 percent). The other TV shows. Dr. Katz has developed CDC points out that having missing oxygenating compounds that have been teeth, or wearing dentures, can have used by millions around the world to a detrimental effect on nutrition. It’s eliminate bad breath. He is also the bearer not surprising that people who have of the now famous “Halimeter,” which lost teeth, or wear dentures, often are tests the sulfur compounds in the mouth going to choose soft food they chew that cause bad breath. Dr. Katz’ website easily. They will pass up fresh fruits and offers a free online bad breath test—as vegetables that are more nutritious, but well as a sneaky way to tell someone they are more difficult for them to eat. have halitosis.
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New Bill Offers Low-Income Americans Free Medical Care A simple but effective mechanism to increase both choice and access to quality healthcare for the Nation’s Medicaid eligible poor, while saving billions in Medicaid and CHIP outlays, was recently introduced in the House of Representatives. Under the proposed law, doctors and medical professionals who offer medical care for low-income Americans would receive a tax deduction for each low-income patient they treat for free. The “Physician Pro Bono Care Act” was introduced by Rep. Dan Webster (R-FL) and Colin Peterson (D-MN). The bill has five additional co-sponsors. Many physicians are dropping out of the Medicaid program due to high administrative costs and procedural burdens. This bipartisan Physician Pro Bono Care Act (HR 856) effectively provides Medicaid and CHIP eligible individuals and families access to healthcare, the ability to choose their physicians and establish longterm patient-physician relationships. At the same time, the law would
provide physicians the opportunity to avoid Medicaid’s and CHIP’s costly administrative burdens and receive a simple charitable tax deduction for their services. The annual net savings of this charitable deduction approach to Medicaid and the CHIP program expenditures would be a multiple of the cost of the deduction. The Association of Mature American Citizens (AMAC) is a vibrant, vital senior advocacy organization that takes its marching orders from its members. AMAC speaks on members’ behalf, protecting their interests and offering a practical insight on how to best solve
the problems they face today. “This can be a bipartisan win-win to improve access and choice to healthcare for those of limited means and I urge the Congress to take up this legislation and pass it,” said Dan Weber, president and founder of AMAC. “From the positive feedback we’ve received from physicians, we believe medical care could be offered to as many as 7 million needy people,” Weber added. “This bill is a creative, commonsense solution that ensures our most vulnerable Americans have access to the care they need, from the doctor
they choose, at a price they can afford,” said Rep. Daniel Webster. “This bill removes government bureaucracy and red-tape that obstructs the patient-doctor relationship, and it expands access to doctors for some of the more vulnerable in our society.” “In addition to expanding care options for those most in need, the Physician Pro Bono Care Act also has the potential to save billions of dollars in federal healthcare expenditures,” said Rep. Colin Peterson. “I look forward to working with Congressman Webster to implement this important reform.” AMAC is the 1.5-million-member conservative alternative to AARP and has extensively lobbied in support of the measure. The organization will continue its work with House Members to encourage more co-sponsors as well as support from the medical and conservative communities, who supported a nearly identical version of the bill which was introduced in the last session of Congress. —Anton Media Group
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Five Things That Impact Your Estate Beyond Your Will BY MARCUS O’TOOLE-GELO
specialsections@antonmediagroup.com
Having a will is an essential part of an estate plan. A will directs how your probate assets will be distributed upon your passing, designates an Executor to be in charge of your estate, and allows you to create trusts for minor grandchildren or disabled beneficiaries. However, having a will is just part of the story. Here are five things that impact your estate beyond your will.
Joint Bank Accounts Most joint bank accounts are set up as “joint with rights of survivorship,” meaning that if one of the owners passes away, the other owner automatically inherits the whole account. As such, all assets in the account will pass to that joint account holder, regardless of what the decedent’s will says. If you add a child to an account for convenience or access, you may be unintentionally leaving more money to that child. Better to let a trusted child help you via a Power of Attorney.
account. Bank accounts and brokerage accounts can also be set up with beneficiaries, such as POD (payable on death) or TOD (transfer on death). For all Beneficiary of these assets, you can desigDesignations nate both primary beneficiaries Many assets pass outside and contingent beneficiaries. of your will because they have It is a good idea to check specific beneficiaries. Most the beneficiary designations retirement accounts (401k, 403b your financial institutions and IRA accounts, for example), have on file, as they may be life insurance, and annuities outdated. Changes in your pass to the beneficiaries you family circumstances, such name when you set up the as marriage, divorce, deaths,
Marcus O’Toole-Gelo, Esq. is a senior associate attorney at Genser, Dubow, Genser & Cona LLP.
births or adoptions, will warrant updating your beneficiaries.
Health Care Crisis No matter what your will says, if you haven’t taken steps to protect assets, a health care crisis can wipe out a family’s assets on the cost of care, including nursing home care or home health care. Placing assets into an irrevocable trust will protect those assets once five years have passed. The assets can then be left to your heirs and beneficiaries instead of being spent down on the cost of your care. Many families place their home into a trust as it is their largest asset. This can be accomplished while keeping the right to live in the home during your lifetime, retaining your STAR and Veteran’s exemptions, and even securing capital gains advantages for your heirs. During your lifetime, you will still be able to sell the property, buy a new house or invest the sale proceeds/cash if you prefer—and all the while those assets will be protected once the five years have passed.
Gifts If you give someone a gift, it is no longer part of your estate and will not pass under your will. Many people are familiar with the IRS “annual exclusion” gift, whereby an individual is permitted to make a gift in the amount of $15,000 per year to a beneficiary without incurring any gift tax consequences. However, if you need Medicaid coverage within five years, this gift will trigger a waiting period before you can be eligible for Medicaid benefits. While the gift is permissible for IRS purposes, it most definitely is not for Medicaid purposes. This mistake and its consequences can be quite costly. The better—and safer—plan is to place assets into an irrevocable trust.
and other matters of a financial nature on your behalf. A validly executed Power of Attorney is an important tool which will allow you to engage in estate planning and asset protection planning even in the event you suffer a debilitating illness. You should sign a Health Care Proxy and a living will as well. Drawing up a will is an important step in creating an estate plan, but there are many other factors to be taken into account. Speak to an experienced Elder Law and Estate Planning attorney to make sure your wishes are carried out and your family is protected.
Marcus O’Toole-Gelo, Esq. is a senior associate at the elder law and estate planning firm of Genser, Dubow, Genser & Power of Attorney Cona LLP. Marcus is a member of the Trust and Estates Estate Planning is not complete without naming an agent Department, concentrating his practice in the areas of estate to act for you if you become incapacitated. A Durable Power planning, trust and estate of Attorney is a legal document administration, probate, tax wherein your appointed agent planning, business succession has authority to handle banking planning, trust administration matters, real estate transactions and estate litigation.
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You know your FAMILY. We know SENIOR LIVING. Together, we will find the RIGHT PLACE. INDEPENDENT LIVING • ASSISTED LIVING • MEMORY CARE A Place for Mom has helped over a million families find senior living solutions that meet their unique needs. Our Advisors are trusted, local experts who can help you understand your options. Here’s what’s included with our free service:
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DISCOVER THE FINEST IN ASSISTED LIVING
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