Fairfield County Boomers & Beyond September 2015 ebook

Boomers d n o y e &B Fairfield County

September 2015

Waveny Care - person-centered

care has been at the heart of Waveny’s mission for forty years! p2

Whitney Center – enjoy the finer

things in life while living an affordable, maintenance –free lifestyle! p9

B & M Capital

Free consultation for seniors p11

PAGE 2

September, 2015

Boomers & Beyond - Fairfield County

Creative and holistic approach sets The Greens at Greenwich apart Boomers & Beyond - Fairfield County September, 2015

Maria Scaros-Mercado, Executive Director of The Greens at Greenwich, often receives heartfelt messages from families who have a loved one who is a resident at the award-winning assisted living facility.

It’s a touching credit to The Greens at Greenwich’s unique approach to treating residents, who all have been diagnosed with some form of dementia. Residents in the charming 30-bed facility are diagnosed with Alzheimer’s disease and other dementias.

“I’ve been in the shoes of these families,” said Scaros-Mercado, who has more than two decades of experience in the field. “I’m with them. I know what it’s like to have to take care of a loved one and feeling helpless. By taking care of their loved ones, we ease the pain for them. They come to our facility and see that they are thriving. They see that they are doing better than when they were at home and that means a lot to them.”

The respected staff at The Greens at Greenwich has extensive experience in handling the complexities of memory care, including challenging behaviors, communication difficulties, visual and spatial impairments, anxiety, depression, isolation and overall executive functioning. The Greens at Greenwich is a leader in the industry and is the only assisted living facility with a creative arts therapy program, which includes music, art, dance movement and drama therapy. Holistic treatments such as tai chi, reiki and massage therapy are also available to residents.

“There isn’t another facility like ours and we are very proud of that,” said Scaros-Mercado,

who noted that The Greens at Greenwich is also a teaching facility, and affiliated with several respected colleges and universities. “We want to be recognized as a best practice, we want to be a forerunner in the industry. The types of services

and care we offer have had a dramatic impact on the level of care in the field.”

The Greens at Greenwich celebrates each individual life and creates fulfilling experiences in the present for them and for their families. Personal histories

are taken into account and an individualized care plan is created to provide an optimal quality of life in a comfortable environment. The Greens at Greenwich’s smaller community and compassionate family care team adapts to the chang-

PAGE 3

ing needs of each resident, while providing support for their loved ones.

Scaros-Mercado and her dedicated staff are awed and humbled by the results of their creative and holistic approach each day.

PAGE 4

September, 2015

Boomers & Beyond - Fairfield County

Bonk named Administrator of Waveny Home Healthcare Helen Bonk, RN, BSN, has been named Administrator of Waveny Home Healthcare by Bill Piper, Chief Executive Officer of Waveny LifeCare Network. She joins Waveny with a depth and breadth of home care expertise gained through a comprehensive nursing career.

“As Waveny’s community-based services continue to grow, we’re delighted to have Helen on board in this key leadership role,” said Piper. “Her degree of clinical expertise and direction are vital – now, more than ever – as Waveny continues to evolve from a brick and mortar destination, into a healthcare provider that can also come to you.”

To deliver upon the community’s evident demand and preference for homebased care, Waveny Home Healthcare provides a full spectrum of licensed and professional in-home services to clients throughout Fairfield County. Professional treatments range from physical, occupational and speech-language therapies to skilled nursing care, geriatric care management, medical social services and home health aide assistance.

“Waveny has always been synonymous with quality within the healthcare world, so I am very excited to serve the organization in this role,” said Bonk. “As part of a larger healthcare organization versus being a stand-alone agency, Waveny

Home Healthcare is able to strive beyond quality measures into the even higher realm of best practices. We bring the power of a full continuum into the heart of the community and right to our clients’ doors. This capacity for providing continuity in person-centered care is a huge point of difference, and honestly sets Waveny apart in the home care arena.”

More and more often within our rapidly changing healthcare system, older patients find themselves discharged directly home following an operation or procedure, rather than to an inpatient rehabilitation center as they may have in the past. “Because our home-based clinical services and therapies allow for short-term medical care during critical times of recovery, Waveny Home Healthcare is meeting an increasing and important need within the senior community,” said Bonk. “Our team makes successful recovery at home following a joint-replacement or medical procedure possible, because we bring expertise, support and resources into the home to help transition our clients back to independence.”

Most recently, Bonk served as both Branch Director and Administrator for Gentiva Health Services of Hamden and Farmington, Conn., respectively. Her prior experience includes positions as Assistant Director of Clinical Services for Con-

necticut Home Healthcare of Trumbull, Conn. and Director of Care Management for the Southwestern Connecticut Agency on Aging (SWCAA), where she maintained an additional clinical focus on mental health. Bonk holds a Bachelor’s of Science degree in Nursing from Fairfield University, where she graduated summa cum laude and as valedictorian of her class.

Waveny Home Healthcare is always accepting new Medicare, private-pay and long-term care insurance clients living in the greater Fairfield County area. Based on a comprehensive assessment and physician orders, services can be provided within 24 hours of inquiry or referral in a client’s home, their family’s home, or an assisted or independent living setting – including on weekends. For more information about how Waveny’s services and professional care can come to you, contact Waveny Home Healthcare’s main office on 21 Grove Street in New Canaan at 203.594.5249 or visit waveny.org.

Celebrating 40 years of serving the community, Waveny LifeCare Network provides a comprehensive continuum of healthcare to serve the growing needs of older adults from all areas. Waveny is a not-for-profit organization that offers independent living at The Inn, assisted living for people with Alzheimer’s and

provided

Helen Bonk, RN, BSN, has been named Administrator of Waveny LifeCare Network’s clinical home care agency, Waveny Home Healthcare.

memory loss at The Village, and skilled nursing at Waveny Care Center. It also includes Waveny Home Healthcare, Waveny at Home, the Brown Geriatric Evaluation Clinic, Geriatric Care Management, an Adult Day Program available on weekdays with flexible hours, inpatient and outpatient Rehabilitation Services, and respite programs at The Village and Care Center. For information call 1-855WAVENY-1 or visit www.waveny.org.

A Place for You at Hartford HealthCare at Home Hospice Program

Join our amazing group of Hospice Volunteers by attending our upcoming Hospice Volunteer Training Classes When: Tuesday Wednesday Tuesday Wednesday

September 15, 2015 6pm-8pm September 16, 2015 6pm-8pm September 29, 2015 6pm-8pm September 30, 2015 6pm-8pm

Where: Hartford HealthCare at Home, 969 Hebron Ave, Glastonbury, CT. Prior registration required.

Hartford HealthCare at Home is hosting a free volunteer training series. Classes will explore the history of hospice, physical symptoms, spirituality, grief & bereavement, and what to do as a volunteer. Volunteers visit in homes and nursing facilities based on their individual schedule.

Volunteers are friendly visitors for our hospice patients at home and nursing facilities. Volunteers are needed to read to patients, provide a listening ear, play music, provide reiki, and to visit with certified pet teams.

For more information & to register please contact John Roush, Volunteer Coordinator at Hartford HealthCare at Home.

Email: john.roush@hhchealth.org or Cell: 860 951-6997.

Boomers & Beyond - Fairfield County September, 2015

The fall will likely lead to some changes and not just in nature; but also in baby boomers’ health PAGE 5

As the days become shorter and the weather cooler, you might notice that your body and behavior starts to change as well. Fortunately, some people are not affected by the arrival of a new season. For others, that’s not the case.

Depending on your behavior and feelings, you can determine which type you are and also what you can do to avoid some of the more unpleasant effects of the arrival of the fall. Here are some of the most common changes that have been associated in baby boomers’ health when adjusting to the change in the fall season and how to beat them.

Depression – During the fall season you can discover that you really miss the long sunny summer days. That is completely normal, considering that the weather is not as good as it used to be. The lack of sunshine which results in low Vitamin D could make you feel sad and even depressed at times.

Weight gain –The cooler weather makes us think about sweets and junk food more often than usual. You must try and resist those cravings to keep the pounds from creeping up. Regular exercise is something that should be in your weekly routine – not just during the Fall when food cravings can surprise you.

Memory boost – The colder it is outside, the better your brain works. During the fall, you will be more productive at work and will have a better concentration.

The more focused you are, the faster you will be able to finish all kinds of projects, not just at the work place but also at home.

Sleepiness – The fall season changes can be also responsible for your constant desire to sleep.

The rainy days are the main reason for your sleepiness and this could reflect on you health as well.

You can feel tired all the time which is why it is important to get as much sleep as you can during the night. Sometimes a natural sleep aid will help your body get into a good sleep routine.

Advertiser’s Index

PAGE 6

September, 2015

Boomers & Beyond - Fairfield County

Our View

B&M Capital.......................................................................................11

ColumbiaDoctors...........................................................................................15

Glen Island Center for Nursing and Rehabilitation.......................................12

The Greens at Cannondale..............................................................................5

The Greens at Greenwich...............................................................................3

Masonicare at Ashlar Village.........................................................................7

SYNERGY HomeCare.................................................................................16

VNA of Hudson Valley..............................................................................14 The Wartburg............................................................................................13

Waveny Lifecare Network..............................................................................2

Boomers d

Whitney Center...........................................................................................9

Fairfield County

& Beyon

845-534-7500 • (fax) 845-534-0055 Info@HealthcareNewspaper.com

PUBLISHER Joseph P. Belsito (Joe@healthcarenewspaper.com) ••• GENERAL MANAGER James Stankiewicz (Jim@healthcarenewspaper.com) ••• MARKETING DIRECTOR Gregory W. Buff (Greg@belsito.com) ••• MANAGING EDITOR Cathryn Burak (Cathy@healthcarenewspaper.com) ••• SENIOR SALES CONSULTANT Maureen Rafferty Linell (MRLinell@charter.net) ••• MARKETING EXECUTIVE Anthony Mairo (Anthony@healthcarenewspaper.com) ••• CIRCULATION Michelle Belsito (Michelle@healthcarenewspaper.com) ••• SENIOR CORRESPONDENTS Brendan Coyne John Jordan

Corporate Information

Healthcare News - Fairfield County, CT edition - Vol. 2 No. 9 - is published monthly, 12 times a year by Belsito Communications, Inc., 1 Ardmore Street, New Windsor, NY 12553. Postage Paid at New Windsor, NY and additional mailing offices. Postmaster: Send address changes to Healthcare Newspaper, 1 Ardmore Street, New Windsor, NY, 12553. No financial responsibility is assumed by this newspaper to publish a display, classified, or legal ad or for typographical errors except of reprinting that part of the ad which was omitted or in error. Omissions or errors must be brought to the attention of the newspaper during the same month of publication.

The change of seasons brings a new variety of activities, smells, sights and flavors.

Boomers & Beyond believes that as you age one of the most important things you can do for your health is remain active, and a new season brings an opportunity to try new things.

Yes, believe it or not, fall is right around the corner in beautiful Fairfield County.

Seniors can transition right into fall with numerous activities. Well, you came to the right place.

Need some ideas?

Go for a walk in the woods to look at the beautiful fall foliage.

Enjoy the football season or catch another sporting event.

Build and outdoor fire with the fallen leaves.

Go apple picking.

We hope that our Boomers & Beyond family had a great summer and you enjoy a wonderful fall. It continues to be our pleasure to serve as an advocate for seniors in Fairfield County.

Enjoy the rest of the summer and here’s to a Happy Fall!

Get in touch at info@healthcarenewspaper.com.

Jim Stankiewicz, General Manager

Next Month in Boomers & Beyond…

Long Term Care LTC Awareness Month Is your organization doing enough to increase awareness of your senior services?

Elder Care law Top Lawyers guide you through Estate Planning, Financial Management, Medicaid LTC, Physical Therapy Month Helping to maintain your smile Top Dentists use new technology Spotlight on Prescriptions Month The Best Plans

Adult Day Program Happy Campers Boomers & Beyond - Fairfield County September, 2015

PAGE 7

Waveny LifeCare Network’s Adult Day Program recently set up camp on ‘Main Street’ at The Village. Participants enjoyed a fireside singalong, discussed U.S. national parks, rolled up their sleeves for some campground crafts, and enjoyed guitar music of nature and earth. And, since no camping adventure would be complete without a tasty treat, they made and enjoyed ooey-gooey homemade s’mores. For more information on Waveny’s Adult Day Program, which is available weekdays and provides free local transportation throughout most of lower Fairfield County, please call 203.594.5331 or visit waveny.org.

photos provided

IINDEPENDENT NDEPENDENT L LIVING IVING

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Our residents have a variety iety of accommodations to choose from, a full menu of amenities for carefree living and unparalleled healthcar care — all on one campus. Come explore us in person to see ee how we could be the perfect fit for you, too! We’rre at 203-679-6425.

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Back to school, for seniors, too PAGE 8

Boomers & Beyond - Fairfield County

September, 2015

September is back to school time, but not just for kids. Older adults can take advantage of a myriad of lifelong learning opportunities as far ranging as taking a cooking class, being tutored in computer skills or visiting a public library.

Research shows that older adults can benefit both physically and mentally by continuing to learn throughout their lifetimes. A survey by AARP showed that adults over 50 want to stay educationally active, but have different expectations and demands than younger learners.

According to the survey, most older adults prefer informal learning settings to traditional classrooms. They want information quickly and want to put it to use right away.

Boomers and Beyond offers these suggestions for fun and simple ways to keep learning this "school year."

• Although signing up for community college or university courses is always an option (and classes are often free for students aged 60 and older), consider shorter-term classes offered through local community or senior centers, Parks and Recreation departments, libraries or clubs • Love Thai food? Determined to eat healthy meals without sacrificing taste? Ready to can those backyard blackberries? Cooking schools are plentiful in this region. The Yellow Pages lists dozens of them. You can, of course, also check online. Natural food markets and restaurants often offer free or low-cost cooking demonstrations.

• Hands-on learning is appealing to 9 out of 10 older Americans, according to the AARP survey. To "learn by doing," consider trading instructional skills with a friend or neighbor. If you're an expert knitter, teach your craft to a friend in exchange for her teaching you to paint.

Healthcare news September 2015

Fairfield County

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Webster Bank

continues to grow in Fairfield Connecticut!

Stamford Hospital–

Lend a Hand…Save a Life…

Free CPR training event September 26th

Healthy never looked so good

Doctors Express Urgent Care Center is now open in Norwalk

is excited to announce our SPECIAL EDITION of

• Find an educational activity that you can share with a grandchild or other young person.

You might be able to tutor a teenager in math or reading and, in return, learn how to gather information from the Internet or use a computer word-processing program.

• Charities and community service organizations can pair educational and service opportunities. Learn about the latest research into fighting cancer when you volunteer to help the local American Cancer Society with a fundraising event. Stay on top of legislative issues facing older adults by participating in AARP's political action activities. Keep your reading and teaching skills honed by becoming an elementary school tutor.

Healthcare Boomers news yond Fairfield County

Fairfield County

& Be

Boomers & Beyond Fairfield County

September 2015

Healthcare News and Boomers & Beyond comes to Fairfield County Connecticut!

Vein Institute of Connecticut

Healthcare news

If you've always wanted to learn to fix your own car, ask a neighborhood mechanic to share his skills in exchange for your tutoring in woodworking.

Boomer s &Beyond Fairfield

September

County

2015

B oo me r s & Beyond

The area’s only Health & Wellness publication to reach over 83,000 in Fairfield County Connecticut!

Healthcare Newspaper 1 Ardmore Street New Windsor NY 12553

Jim Stankiewicz General Manager

Jim@healthcarenewspaper.com www.healthcarenewspaper.com

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Connecticut Center for Healthy Aging expands staff thanks to grant Boomers & Beyond - Fairfield County

The Connecticut Center for Healthy Aging has announced an expansion of staff as a result of the $2.1 million grant received late last year from the state Department of Social Services. A not for profit member of Hartford HealthCare Senior Services, the Connecticut Center for Healthy Aging is a resource and assessment center designed to enhance access to services and information related to attaining optimal quality of life for seniors and their caregivers.

Wendy Martinson, MSN, RN, is the new program director of the Connecticut Center for Healthy Aging, responsible for program development and care coordination. She holds more than 25 years in the

health care field, most recently as quality assurance specialist at University of Connecticut John Dempsey Hospital. She is also an adjunct professor of Health Care Reform and Nursing in the masters of nursing program at the University of Hartford. Her focus has been on reducing hospital readmissions and improving care transitions, and in 2013 published with Dr. Jason Ryan, “Stopping the Revolving Door: Improving Heart Failure Care and Reducing Readmissions” in the American Journal of Medical Quality. She was an oncology case manager at John Dempsey Hospital, case coordinator/appeals coordinator at Hartford Hospital, and health care con-

sultant with Aetna U.S. Healthcare. She is a West Hartford resident.

Patricia B. O’Brian is the new patient and family engagement coordinator for the Connecticut Center for Healthy Aging. In this position she is responsible for providing effective strategies to improve the quality of life for caregivers and persons with dementia/Alzheimer’s disease, developing care plans and training for caregivers, providing community resources, and offering follow-up and support. O’Brian was the regional director of the Alzheimer’s Association Connecticut Chapter for seven years and was also a program director for a Benchmark community for the memory impaired. She has

September, 2015

PAGE 9

been keynote speaker and presenter at numerous Alzheimer’s Association conferences and has chaired several memory walk fundraisers. She is a resident of Cromwell.

Michele Wyman, LSW, who has worked in the elder care field for more than 30 years, is the new life enrichment coach with the Connecticut Center for Healthy Aging. In her new position she develops and implements evidence-based tools to assist patients with dementia, their families and caregivers, training them on best dementia care practices and conducts educational sessions, among other roles. She previously was case manager supervisor for Boston Senior Home Care. She is a li-

censed StilMeeTM Alzheimer’s coach and is a resident of West Hartford.

Nancy Becker is the new resource coordinator based at the Connecticut Center for Healthy Aging office at the Hospital of Central Connecticut, New Britain campus. She provides home, office or telephone assessments and information to seniors and families about available resources to improve the quality of life, coordinating necessary programs and interventions. She is a resident of Windsor Locks.

For more information about the Connecticut Center for Health Aging, visit cthealthyaging.org or call toll-free, 1-8774AGING1 (1-877-424-4641).

Make an educated senior living decision.

We believe access to extraordinary cultural events is just as important as access to hospitable service and excellent healthcare.

We invite you to learn how you can continue enjoying the finer things in life – art, music and theater – while living an affordable, maintenance-free lifestyle.

Call us today for a FREE retirement information kit, or to learn about upcoming events at Whitney Center.

203.404.6333 200 Leed Leeder Hill Drive | Hamden, CT 06517 | WhitneyCenter.com

700291

Congresswoman Esty praises Regional Hospice and Home Care’s selection PAGE 10

Congresswoman Elizabeth Esty held a press conference at Regional Hospice’s Center for Comfort Care and Healing on July 31, 2015. The congresswoman lauded Regional Hospice’s selection as the only Connecticut hospice chosen to participate in the Medicare Care Choices Model beginning January 1, 2016, and the positive impact the model program will have for Regional Hospice patients.

“I applaud Regional Hospice on its selection as the only hospice in Connecticut to participate in this critical hospice expansion program,” said Congresswoman Elizabeth Esty (CT-5). “This initiative is a recognition and acceptance that it is psychologically very important for some families to continue to pursue treatment even in the face of extremely unlikely odds. This is also an opportunity for us to gain more information to make wise decisions with taxpayer dollars to help Americans live long, healthy, respectful lives.”

Regional Hospice and Home Care is one of only 140 hospices selected nationwide to participate

September, 2015

Boomers & Beyond - Fairfield County

in the Medicare Care Choices Model which aims to increase choice and quality by enabling individuals to receive curative care and hospice care concurrently.

All 5,000 eligible hospices across the country were invited to apply to participate in the model. As the only hospice chosen to participate in the state, Regional Hospice is also one of only 70 nationally that has been invited to participate for the full five years of the study.

Congresswoman Esty stated that Regional Hospice’s announcement coincides with the 50th anniversary of Medicare and Medicaid and is not just for senior citizens. Younger people eligible for these national programs who are disabled by life-limiting illnesses will also be able to participate in the Medicare Care Choices Model. The program will enable as many as 150,000 eligible Medicare beneficiaries nationally with advanced cancers, chronic obstructive pulmonary disease, congestive heart failure, human immunodeficiency virus/ acquired immunodeficiency

West Nile Virus

syndrome who receive services from participating hospices to experience this new option and flexibility.

“Choosing to end treatment is often a painful choice for patients and families,” said Regional Hospice’s Medical Director Doctor Robert Kloss. Dr. Kloss told stories about patients who would have significantly benefitted from the support and improved quality of life that simultaneous palliative and hospice care would have provided them.

Among the guests at the press conference were State Representatives Robert Godfrey and David Arconti and former state representative, Commissioner David Scribner.

Regional Hospice and Home Care’s team of experienced clinicians have been providing physical, emotional, spiritual and bereavement support to children, adults and their families through our palliative and hospice care program for the past 30 years. Regional Hospice and Home Care is a nonprofit, state-licensed and

West Nile Virus has been detected in mosquitoes in at least eight Connecticut communities this summer, and August and September are months when the risk of infection is typically highest. Although it has not yet been found in Ridgefield or the surrounding towns, it is wise to be aware of that possibility.

West Nile Virus is most commonly transmitted to humans by mosquitoes, and the young, elderly and immunosuppressed are most susceptible. According to the Centers for Disease Control and Prevention (CDC), most people who become infected don’t develop any symptoms, but about 20 percent of those infected can experience a fever and other symptoms including headache, body aches, joint pain, vomiting, diarrhea or rash. Although the fatigue and weakness can continue for weeks or

Medicare-certified home health care and hospice agency. Now, with the opening of our new private-room, specialty hospital for palliative and end-of-life care — the Center for Comfort Care &

months, most people recover completely. Severe symptoms are experienced by less than one percent of those infected but can develop into neurologic illnesses such as encephalitis or meningitis. Although there is no available vaccine or antiviral treatment for West Nile Virus, over the counter pain relievers can be used to reduce fever and mild symptoms. For severe cases, hospitalization may be required to receive appropriate supportive treatment. The CDC states that the most effective way to avoid the virus is to prevent mosquito bites. They recommend using an insect repellent such as those containing DEET or picaridin according to label instructions. Since mosquitoes are most active at dawn and dusk, avoid being outdoors at those hours or be sure to wear long sleeves and pants and use repellent.

provided

Healing — Regional Hospice and Home Care can bring that same hope and compassionate care close to home and under one roof.

For more information, visit www.RegionalHospiceCT.org.

Check that the screens on your windows are in good shape, and reduce the number of mosquito breeding sites around your home by emptying standing water in flower pots, buckets and barrels, wading pools, gutters and birdbaths on a regular basis. Try to stay aware of the occurrence of West Nile Virus in your area and take the precautions noted above to keep you and your family safe.

Founded in 1914, RVNA is a fully-accredited Medicare-certified home health care agency that also supports public health and safety, and promotes the highest quality of life. Services include skilled nursing, rehabilitation therapies, social work services, disease management, an aging-in-place program, a travel health specialist, immunization and vaccination clinics, and educational and wellness programs.

Who qualifies for a Life Insurance Settlements or an Advanced Benefit Loan?

Three apps to help organize your medication

The majority of older adults living in the U.S. have been diagnosed with at least one chronic condition that requires regular medication. In fact, according to the American Society of Consultant Pharmacists, 92 percent of the 43.1 million adults aged 65 and older have at least one chronic condition, while 77 percent have more than one. Taking the proper medication as directed by the doctor is crucial to managing these illnesses. However, medical nonadherence continues to be a major problem throughout the country. Seniors should consider downloading smartphone applications to assist them in taking their prescriptions on time.

1. Medisafe Medisafe is free for both iPhones and Androids. According to the app's website, more than one million people have downloaded it from the Google Play store alone. Why do so many patients choose Medisafe?

Many adults are better able to remember things when they have the help of visuals. The app copies the physical characteristics, including size and shape, of every pill once each medication is entered into the app, creating what the app creators refer to as a "virtual pillbox." The website also noted that the app sends users alerts when it's time to take their pills and reminds them of the proper dosage. If patients forget or ignore the alert, the app sends a message to a family member or friend.

2. Adheretech Adheretech is a truly innovative pill bottle that connects with an app for all smartphones. The bottle collects data entered on the accompanying app and sends real-time alerts when patients miss or take the incorrect dosage of their prescriptions. Seniors can see how well they’re doing by viewing information - when they took their pills, how much and more - on the app's dashboard, explained Adheretech's website.

3. Meds Agenda Seniors who have a particularly large number of medications with complex instructions should look into downloading Meds Agenda. According to iTunes, the app is $1.99 for iPhones and makes following medication schedules easy. After entering the pills and their detailed instructions, it will send users reminders that include how much of each medication to take and how to take it. A major advantage of this app is that it also sends notifications in areas without Wi-Fi.

At B & M Capital Inc., we advise on the various financial benefits of selling or taking a loan against your life insurance policy either through a life settlement or an advanced benefit loan. When we speak to individuals or professionals at seminars and conferences, they are amazed to learn how old the life settlement industry, about 100 years, and how many financial institution own or invest in this type of business.

Yet, the greatest misconception in educating potential clients and professionals is, who are the people that qualify for a life settlement or advanced benefit loan? The answer to all of them is anyone who has obtained the age of 65 or older. They must be of retirement age, not necessary retired. They can still be actively working; actually, some of these people are still active members in the work force.

The point that I am trying to get across is, today’s seniors are very different than what society shows us or what we perceive in our minds.

Seniors, who are looking for other financial sources to find income or raise fund do not have to be hospitalized, terminally ill or destitute.

There are many seniors who take advantage of our services that are in generally good health and financially sound.

Here are some reasons why seniors take advantage of our services:

1. They are outliving their retirement funds due to the advancement in medicine, change in life style,

and the cost of living in the Northeast. Most seniors that live in the tri state area, enjoy being close to the greatest City in the world and do not want to leave. They have made friends, families, memories, and built a life that is unique to the Northeast. I know this to be true because; this is what I was told by my own parents, who were not born in this region.

2. Seniors are still very shrewd investors. Once I explain to seniors

how much value their life insurance contract could be possibly worth.

They are quick to act. First we start with basic underwriting requirements and we submit the necessary paperwork. No cost to my client, a potential offer is then offered by a top-tier financial company. In a three to four week span, my clients are amazed on how easy and financially rewarding this type of transaction can be.

B & M Capital is a structured settlement company specializing in the purchasing of life insurance, annuities, structured settlements and offering Advanced Benefit Loans.

Free consultation!

Please contact us for more information:

203-296-4852

Isn’t it time to explore another financial option?

Visit us online at www.bnmcapital.com And LinkedIn

Fitting more fiber into your diet PAGE 12

Boomers & Beyond - Fairfield County

September, 2015

Fiber is an essential part of your diet, but do you know if you're getting enough of this nutrient?

Here's what seniors need to know about proper fiber intake and a few ways that you can sneak more of it into your daily meals.

Daily fiber intake According to the University of San Francisco California Medical Center, the average American only gets half of the daily recommended intake of fiber each day. Here's what the Mayo Clinic recommended:

Women over 50: 21 grams of dietary fiber per day.

Men over 50: 30 grams of dietary fiber per day.

The more of this nutrient that you get from natural sources, the better. There are fiber supplements that you can take, but it's always more beneficial to get your daily dose of fiber from nutritious foods that provide you with other vitamins and minerals as well.

If you crunch the numbers and figure out that you're not getting enough fiber in your diet, there are a few ways that you can get these levels up to where they should be. Use these three tips to increase fiber intake on a daily basis.

1. Trade in your fruit juice Fruit juice provides lots of vitamins and minerals, but fruit in liquid form is missing an essential component. To increase your fiber intake, swap out your morning juice for a piece of whole fruit instead.

One apple, orange or pear can provide you with three or four more than 10 percent of your daily goal!

2. Always opt for whole grains When you're in the grocery store, do you reach for whole-grain or white bread? Whole-grain bread, pasta and crackers contain more dietary fiber than their refined counterparts. Always choose whole grains when you have an option, and your fiber intake will experience a significant boost.

3. Love fiber superfoods Prunes aren't the only food that's packed with fiber.

Some other fiber-rich ingredients include beans, raspberries, broccoli, celery and squash. Work these ingredients into your nutrition plan for a happy digestive tract.

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(914) 636-2800

Boomers & Beyond - Fairfield County

• Sub-Acute Rehabilitation • Skilled Nursing Facility • Adult Day Services • Home Health Care • Independent Living • Affordable Housing for Seniors • Assisted Living • Alzheimer’s/Dementia Care • Respite/Short-Term Stay • Hospice Care • Caregiver Support • Spiritual Care

September, 2015

wartburg.org

914-699-0800 One Wartburg Place Mount Vernon, NY 10552

IINDEPENDENT NDEPENDENT LIVING LIVING | AASSISTED SSIS TED LIVING LIVING | AALZHEIMER’S/DEMENTIA LZZHEIMERwartburgny ’S / DEMENTIA thewartburg NURSING NURSING HHOME OME | AADULT DULT DDAY AY CARE CARE | HHOME OME CARE CARRE | RREHABILITATION EHABILITATION

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September, 2015

Boomers & Beyond - Fairfield County

1-877-Call VNA V A vnahvv.org

Your home. Yourr needs. Our servicces.

Visiting Nurse Association of Hudson Hu udson Valley delivers the best quality professional in-home nursing, rehabilitative, home health aide and hospice services to residents of Westchester and Putnam Counties.

Expertise. Communication. Commitment.

Our specialty programs ensure the best possible care. Ǧ ơ Ǥ

Call us 24 hours/7 days a week for all of your needs.

Corporate Address: 540 White Plains Road, Ste. 300 Tarrytown, NY 10591-5132 Ȉ (914) 666-7616

Putnam Address: 20 Milltown Road, Ste. 101 Brewster, NY 10509-4309 Ȉ (845) 278-4068

Boomers & Beyond - Fairfield County

September, 2015

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SPECIALIZING IN CARDIOLOGY, INTERNAL MEDICINE AND GASTROENTEROLOGY

HONORED ON

‘Best Doctors’ LISTS YEAR AFTER YEAR

ROBERT BELKIN, MD GABRIELLE BOLTON, MD MARK BORKIN, MD SUSAN CAMPANILE, MD LEO CARDILLO, MD MAXWELL CHAIT, MD ALBERT DELUCA, MD JEFFREY DONIS, MD JOYDEEP GHOSH, MD LAWRENCE GLASSBERG, MD EDUARDO GRANATO, MD CRAIG HJEMDAHL-MONSEN, MD KUMAR KALAPATAPU, MD

SRIRAMA KALAPATAPU, MD RICHARD KAY, MD ANDREW CARL KONTAK, MD ANDREW KUPERSMITH, MD STEVEN LANDAU, MD YAT WA (BETTY) LI, MD SANJAY NAIK, MD DIMPLE PATEL, MD RONALD PRESTON, MD ANTHONY PUCILLO, MD TODD C. PULERWITZ, MD MONICA REYNOLDS, MD JAE RO, MD

WARREN ROSENBLUM, MD ABDOLLAH SEDIGHI, MD INDERPAL SINGH, MD SUSAN SOEIRO, MD DAVID E. SOLARZ, MD CARMINE SORBERA, MD ELENA L. TSAI, MD STEVEN L. VALENSTEIN, MD MELVIN WEISS, MD RONALD WEISSMAN, MD PRESTON WINTERS, MD

Visit us at one of our locations: 19 Bradhurst Avenue Suite 700 Hawthorne, NY 10532 (914)593-7800

15 North Broadway 2nd Floor White Plains, NY 10601 (914)428-6000

5 Coates Drive Suite 2 Goshen, NY 10924 (845)294-1234

30 Greenridge Avenue Suite 207 White Plains, NY 10605 (914)328-8555

180 East Hartsdale Avenue Suite 1E Hartsdale, NY 10530 (914)725-2010

3 Michael Frey Drive Eastchester, NY 10709 (914)337-3500

688 White Plains Road Suite 210 Scarsdale, NY 10583 (914)723-3322

334 Route 202 Bailey Court Somers, NY 10589 (914)277-4367

154 Pike Street Port Jervis, NY 12771 (845) 858-4444

105 Stevens Avenue Suite 101 Mount Vernon, NY 10550 (914)667-8777

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September, 2015

Boomers & Beyond - Fairfield County