Elder Care Resource Guide 2020-2021

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2020 ~ 2021

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2020 ~ 2021

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Inside this issue FEATURE

What Legacy Means this Year and for ALL Generations

10-11

The Estate Planning & Asset Protection Law Center of Dennis Sullivan & Associates

Adult Day Care .......................................4

Eye Care ..............................................18

Housing, Retirement Communities.........38

Advocacy ...............................................4

Family Caregiver Support......................22

Housing, Subsidized Elderly....................38

Aging Service Access Points...................4

Financial Assistance..............................22

Information & Referral Services..............39

Alzheimer’s Care.....................................9

Financial Assistance Information..........27

Insurance and Financial Assistance.......39

Financial Management...........................27

Legal Assistance...................................39

Fuel / Energy Assistance........................27

Marketing to Seniors & Caregivers.........42

Funeral Homes......................................28

Memory Care........................................42

Geriatric Care Managers.........................28

Mental Health........................................42

see also- Home Care.............................30 see also- Housing - Assisted Living ......31 see also- Nursing Homes......................42 Attorneys, Elder Law...............................9 Banks ....................................................9 Cemetery & Mausoleum..........................9 Community Services .............................9

Health Care Education & Support..........28 Health Care Services..............................28

Consumer Protection ............................12

Health Maintenance Organizations.........28

Counseling Services..............................12

Hearing Aids / Testing...........................30

Cremation Services...............................12

Home Car e............................................30

Disabled Services Support.................. 15

Home Repair Services...........................30

Downsizing Services............................16

Hospice Care........................................30

Nursing Homes.....................................42 Nutrition...............................................43 Pension Plan Assistance........................43 Prescription Drug Assistance.................43 Real Estate Services..............................44 Rehabilitation Hospitals.........................44

Driver Safety.........................................16

Hospitals.............................................30

Rehabilitation & Skilled Nursing Services...................................44

Education / Employment Training............16

Housing,
 Assisted Living.......................31

Rest Homes..........................................44

Elder Abuse..........................................18

Housing Authorities...............................32

Reverse Mortgages...............................44

Elder Services.......................................18

Housing, Independent Living..................36

Transportation......................................44

Estate Planning.....................................18

Housing Information & Referral..............38

Veterans..............................................45

RESOURCE GUIDE 2020/2021

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Massachusetts Resources 2020-2021 ADULT DAY CARE Bellingham Council on Aging Boston Ctr. for Independent Living 40 Blackstone St., Bellingham 508-657-2705 www.bellinghamma.org/councilaging-senior-center

60 Temple Place, Suite 5, Boston 617-338-6665; www.bostoncil.org

Works to promote the civil rights of all people with disabilities and responds with programs and services

Catholic Charities Worcester County Health Care for All 10 Hammond St., Worcester 508-798-0191 www.ccworc.org

SALMON Adult Day Health, Natick Three Vision Drive, Route 9 West, Natick 508-655-9767 www.SalmonHealth.com Ad on page 24

SALMON Adult Day Health, Northbridge 65 Beaumont Drive, P.O. Box 940, Northbridge 508-234-6481 www.SalmonHealth.com Ad on page 24

ADVOCACY AARP Massachusetts

1 Beacon St., Suite 2301, Boston 866-448-3621; http://states.aarp. org/region/massachusetts The state office of AARP, a national organization, providing local information, advocacy and community service

One Federal St., Boston 617-350-7279; www.hcfama.org Seeks to create a consumer-centered healthcare system that provides comprehensive, affordable, accessible, culturally competent, high quality care and consumer education for everyone, especially the most vulnerable

Massachusetts Association of Older Americans

19 Temple Place, 4th Floor, Boston 617-426-0804; www.maoamass.org Committed to preserving the dignity, quality of life, economic standing and health of the older people of Massachusetts, their families and future generations

MASSPIRG (Massachusetts Public Interest Research Group) 294 Washington St., Suite 500, Boston 617-292-4800; www.masspirg.org An advocate for the public interest.

Mass Pro

245 Winter St., Suite 300, Waltham 800-890-0011 Develops and disseminates innovative solutions that transform patient care by

improving its safety, effectiveness, and efficiency. Provides health care information on topics such as home care, hospitalization, nursing care, hospitals and doctors

MA Senior Action Council 150 Mount Vernon St., 2nd floor, Dorchester; 617-284-1234 www.masssenioraction.org

Committed to empowering seniors and others to act collectively to promote the rights and well-being of all people, particularly vulnerable seniors

Medicare Advocacy Project - Greater Boston Legal Services 197 Friend St., Boston 800-323-3205; www.gbls.org

Answers queries and provides free advice and legal representation to clients.

Multi-Cultural Independent Living Center of Boston, Inc. 329 Center Street, Jamaica Plain 617-942-8060; www.milcb.org

Promotes self-pride, independent decision-making, self-determination, equal access and self-help

AGING SERVICE ACCESS POINTS State’s nonprofit Network/Aging Service Access points allow individuals to live independently at home. They offer supportive social services, information and referral, case management, personal care, homemaking, transportation, chores, shopping, laundry, personal care, friendly visitors, congregate and home-delivered meals, home health, social day care, respite, protective services and crisis intervention. Local Sites:

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YOU’VE GOT A LOT OF REASONS TO STAY HEALTHY... WE’LL HELP YOU STAY THAT WAY! At UMass Memorial, we understand that seniors may often need specialized care.

Look no further than the hospitals of UMass Memorial Health Care. We provide you with the latest treatments and procedures to help live life to the fullest – every single day!

From geriatric services to expert care in cancer, diabetes, heart and vascular, orthopedic and surgical care, we are here for you in the communities where you live.

The hospitals of UMass Memorial Health Care contract with many health insurance plans throughout the region. Always check with your insurer to learn if our doctors and hospitals participate in your plan.

For an appointment today, call 855-UMASS-MD (855-862-7763). www.umassmemorialhealthcare.org UMass Memorial - Community Healthlink | UMass Memorial HealthAlliance-Clinton Hospital UMass Memorial - Marlborough Hospital | UMass Memorial Medical Center UMass Memorial Medical Group

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Continued from page 4

Baypath Elder Services, Inc.

33 Boston Post Road West, Marlborough 01752; 508-573 7200; www.baypath.org Serves Ashland, Dover, Framingham, Holliston, Hopkinton, Hudson, Marlborough, Natick, Northborough, Sherborn, Southborough, Sudbury, Wayland, Westborough

Boston Senior Home Care

Lincoln Plaza, 89 South St., Suite 501, Boston; 617-451-6400 www.BostonSeniorHomeCare.org/

Bristol Elder Services, Inc. 182 N. Main St., Fall River 800-427-2101 www.bristolelder.info

Serves Attleboro, Berkley, Dighton, Fall River, Freetown, Mansfield, N. Attleboro, Norton, Raynham, Rehoboth, Seekonk, Somerset, Swansea, Taunton

Central Mass. Agency on Aging, Inc.

360 W. Boylston St., W. Boylston 800-244-3032 www.seniorconnection.org Serves Ashburnham, Ashby, Auburn, Ayer, Barre, Bellingham, Berlin, Blackstone, Bolton, Boylston, Brookfield, Charlton, Clinton, Douglas, Dudley, E. Brookfield, Fitchburg, Franklin, Gardner, Grafton, Groton, Hardwick, Holden, Hopedale, Hubbardston, Lancaster, Leicester, Leominster, Lunenburg, Medway, Mendon, Milford, Millbury, Millville, New Braintree, N. Brookfield, Northbridge, Oakham, Oxford, Paxton, Pepperell, Princeton, Rutland, Shirley, Shrewsbury, Southbridge, Spencer, Sterling, Sturbridge, Sutton, Templeton, Townsend, Upton, Uxbridge, Warren, Webster, W. Brookfield, W. Boylston, Westminster, Winchendon, Worcester

Coastline Elderly Services, Inc.

1646 Purchase St., New Bedford 508-999-6400; www.coastlineelderly.org Serves Acushnet, Bridgewater, Dartmouth, Fairhaven, Gosnold, Marion, Mattapoisett, New Bedford, Rochester Bridgewater, Whitman

Commission on Affairs of the Elderly

One City Hall Square, #271B, Boston ; 617-635-4366 www.cityofboston.gov/elderly; Serves Boston

ETHOS

555 Amory St., Jamaica Plain 617-522-6700; www.ethocare.org Serves Hyde Park, S. Jamaica Plain, Roslindale, W. Roxbury and W. Mattapan

HESSCO Elder Services

One Merchant St., Sharon 781-784-4944; 800-462-5221 www.hessco.org Serves Canton, Dedham, Foxborough, Medfield, Millis, Norfolk, Norwood, Plainville, Sharon, Walpole, Westwood, Wrentham

Lifepath (formerly Franklin Community Choices Program County Home Care) 800-AGEINFO, ext. 1; www.ageinfo.com

Provides MassHealth-eligible elders at imminent risk of nursing home placement with increased home care services such as personal care, home health assistance, transportation services

101 Munson St Suite 201, Greenfield 413-773-5555; www.lifepathma.org Serves Athol, Petersham, Phillipston and Royalston

Minuteman Home Care Elder Services of Merrimack 26 Crosby Drive, Bedford Valley, Inc. 781-272-7177 Riverwalk, Building 5; 360 Merrimack St., Lawrence 978-683-7747 800-892-0890; www.esmv.org

Serves Amesbury, Andover, Billerica, Boxford, Chelmsford, Dracut, Dunstable, Georgetown, Groveland, Haverhill, Lawrence, Lowell, Merrimack, Methuen, Newbury, Newburyport, N. Andover, Rowley, Salisbury, Tewksbury, Tyngsborough, W. Newbury, Westford

Elder Services of Worcester Area, Inc. 67 Millbrook St.,#100, Worcester 508-756-1545; www.eswa.org

Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester

Ad on page 19

www.Minutemansenior.org

Serves Acton, Arlington, Bedford, Boxborough, Burlington, Carlisle, Concord, Harvard, Lexington, Lincoln, Littleton, Maynard, Stow, Wilmington, Winchester, Woburn

Montachusett Home Care Corporation 680 Mechanic St., Leominster 978-537-7411 www.montachusetthomecare.org

Serves Ashburnham, Ashby, Ayer, Berlin, Bolton, Clinton, Fitchburg, Gardner, Groton, Hubbardston, Lancaster, Leominster, Lunenburg, Pepperell, Princeton, Shirley, Sterling, Templeton, Townsend, Westminster, Winchendon

Mystic Valley Elder Services, Inc. 300 Commercial St., Suite 19,

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508-886-6565

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Nothing’s More Important Than Your Loved One’s Care Short or long stay or the very best in memory and individualized care for a loved one.

Faith based St. Mary’s offers exceptional skilled nursing care, therapy and respite services all while enhancing the overall well being of those we serve. Want to learn more?

Email Una Murphy at unamurphy@stmaryhc.com or call 508.753.4791.

Health Care Center A Member of Covenant Health

St. Mary Health Care Center 39 Queen Street, Worcester, MA 01610 508-753-4791 | www.stmaryhc.com Proudly Caring for the Worcester Community and Your Family for 20 Years!

centralfcu.com | 800.527.1017 MyChoice Mortgage Refinance Disclosure: First position mortgage only. Property must be owner-occupied. Credit Union membership required. *Rate is higher for refinancing existing Central One mortgages and equities. Rate listed includes 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account. Must have a 720 credit score or higher to qualify for published rate. Rate based on 7 year term. Other terms and rates available. **Appraisal is needed for any loan to value over 70% of assessed value, or any loan amount over $250,000, max loan to value is 80% of appraised value. If you live outside of Worcester County, additional Appraisal and Title Search Fees may apply. Rate valid as of 9/1/2020 and subject to change.

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Christopher Heights™ introduces new lifestyle packages for every season of your life.

Christopher Heights Assisted Living now offers Senior Lifestyle Plans to fit your way of life while providing quality care in a warm and supportive environment. Enjoy everything our community has to offer as well as the freedom of your own apartment. Whatever the season, Christopher Heights has options! Call us today for more information, we’d love to hear from you.

Now reopening with your safety in mind.

Rare availability.

2020 ~ 2021

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Continued from page 6

Malden 781-324-7705; www.mves.org Serves Everett, Malden, Medford, Melrose, N. Reading, Reading, Stoneham and Wakefield

Old Colony Elderly Services, Inc. 144 Main St., Brockton 508-584-1561; 800-242-0246 www.ocesma.org

Serves Abington, Avon, Bridgewater, Brockton, Carver, Duxbury, E. Bridgewater, Easton, Halifax, Hanover, Hanson, Kingston, Lakeville, Marshfield, Middleborough, Pembroke, Plymouth, Plympton, Rockland, Stoughton, Wareham, W. Bridgewater, Whitman

PACE

Mass. Health/Medicaid Customer Service Center; 800-8412900 www.mass.gov/service-details/ massachusetts-pace-service-areas

Senior Care Options Program

Mass. Health Customer Service Center 888-885-0484; www.mass.gov

Springwell, Inc.

307 Waverly Oaks Road, Suite 205, Waltham 617-926-4100 www.springwell.com Serves Belmont, Brookline, Needham, Newton, Waltham, Watertown, Wellesley, Weston

Somerville/Cambridge Elder Services, Inc. 61 Medford St., Somerville 617-628-2601; eldercare.org

Serves Cambridge, Somerville

Tri-Valley, Inc.

10 Mill St., Dudley

508-949-6640; www.trivalleyinc.org Serves Bellingham, Blackstone, Brookfield, Charlton, Douglas, Dudley, E. Brookfield, Franklin, Hopedale, Medway, Mendon, Milford, Millville, Northbridge, Oxford, Southbridge, Spencer, Sturbridge, Sutton, Upton, Uxbridge, Warren, Webster, W. Brookfield

ALZHEIMER’S CARE St. Mary Healthcare

39 Queen St., Worcester 508-753-4791; www.stmaryhc.com Ad on page 7

ATTORNEYS, ELDER LAW Dennis Sullivan Associates

888 Worcester St., Wellesley 781-237-2815; www.estateplanandassetprotection.com Ad on page 10, 11, 48

Durbin and Veglia Attorneys at Law

275R Main St., Oxford 508-987-3981; 508-987-3982 www.durbinandveglia.com Ad on page 19

Surprenant & Beneski, P.C.

35 Arnold St., New Bedford 508-994-5200 www.MyFamilyEstatePlanning.com Ad on page 14

BANKS Bay State Savings Bank

28 Franklin St., Worcester 508-890-9000; www.baystatesavingsbank.com Ad on page 21

Central One Federal Credit Union

714 Main St., Shrewsbury 508-841-0688; www.centralfcu.com Ad on page 7

CEMETERY & MAUSOLEUM Mercadante Funeral Home & Chapel 170 Plantation St., Worcester 508-754-0486; www.mercandantefuneral.com Ad on page 21

COMMUNITY SERVICES Elder Services of Worcester Area, Inc. 67 Millbrook St., #100, Worcester 508-756-1545www.eswa.org

Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester

Ad on page 19

MED-Project

4096 Piedmont Ave., Unit 544, Oakland, Calif., 415-706-0160; www.med-project.org Ad on page 29

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FEATURE

What Legacy Means this Year and for ALL Generations The Estate Planning & Asset Protection Law Center of Dennis Sullivan & Associates

T

HE CONCEPT OF LEGACY can take on many different meanings. On one level, it can be a purely financial concern.

The assets and capital you worked so hard to save but this definition is changing, as is American definition of retirement.

Because of this, we all need a plan to be protected and prepared.

At the turn of the 20th century, the average life expectancy was 47 years.

Today, it’s nearly doubled- meaning the average American retirement is now over 20 years. Great news for all of us, but longer lives present us with more challenges and transitions than only a generation ago. Today, for a successful life and legacy, we must identify and fix the problems that render 86% of trust and estate plans out of date. That’s why our team has developed a personalized discovery and review process, as well as a Lifetime and Legacy Protection Program for the families we serve.

A modest retirement account was, not long ago, enough to support a retiree for 5-10 years. What happens when we need resources to live 15, 20, even 30+ years? This is occurring at the same time that retirement funding has moved from employer provided pensions to a system mainly based on IRAs, 401(k)s and personal savings. Our children and grandchildren need the essential core values, possessed by so many of our clients and families, so they can achieve a level of savings and have what they need for their lifetimes as well! We all benefit from the latest health and medical advances to help us live longer lives. Unfortunately, many are surprised to discover, that long-term care costs are not paid for

by Medicare and traditional health insurance. Then what?

State and federal laws are in a state of flux, budget deficits continue to rise and personal and family changes occur for us all as well. There are many challenges that affect our health, financial, tax, legal, personal lives and legacies. Thankfully, for almost every problem there are solutions to address the challenges we will encounter in our life journey and legacy creation.

Dennis Sullivan & Associates is pleased to make “Your American Legacy” available for you and your family. This valuable resource will help you prevent problems, which result in 86% of trust and estate plans being out of date. Important chapters include information on how to avoid extensive time delays and costs of disability and death, probate as well as, capital gains, income, estate and trust taxes at a state and federal level.

My own concept of legacy, not surprisingly relates back to an important lesson learned from my father. While attending Needham High, I wanted to purchase a car after earning my driver’s license.

When my dad learned of my plans, he told me, “Look, you can’t just go out and buy something just because you want it. That would be a waste of money.” His solution was rather than the sports car I wanted, make an investment in a vehicle

that would pay for itself and would become an income-generating asset rather than a “wasting” asset.

The solution: a jeep with a plow attached.

Thinking back, that Jeep and plow not only paid itself, my Dad’s advice led to an early discovery of using resources and time to help families as we serve others. This was probably the most important lesson I learned in high school. It didn’t seem like a “lesson” at the time but, my father was both a good role model and an accomplished educator.

You don’t need to have a lot of money, be an entrepreneur, attorney or CPA to have your personally important core values to pass on.

There is more to life than finances, taxes, and laws. The modern definition of legacy, as defined in, “Your American Legacy”, includes: PERSONAL VALUES: Just like my father’s advice to buy a vehicle that would generate income, your personal legacy includes how you’ve lived your life and the lessons that you feel are important so that you would like to pass them on to family, friends, and those you care about.

PROFESSIONAL LEGACY: We don’t spend 50+ years working to let all our experience and learning

2020 ~ 2021

disappear when we die. There is value in passing on your values and approach to family, life, education, health, work ethic and experience to those in future generations!

COMMUNITY IMPACT: Every one of us is part of something larger than ourselves. It may be our team, family, clients, congregation, society, alumni organization, neighborhoods, town, country and more. We all have community. Our place in our communities is an important part of our legacy as well.

There is far more opportunity and responsibility to legacies today than just dollars and cents. The danger of overlooking the opportunity to share our core values with our family and community where we live and serve is significant!

This is why our team of caring, compassionate professionals provides a unique personalized discovery and counseling process as well as a personalized Lifetime and Legacy Protection Program. We provide resources and guidance so that you and your family are able to enjoy your life with peace of mind knowing you have done all that you can to protect and pass on your “entire legacy” to your family for generations to come. It’s not just the financial and tax and aspects of “legacy”! There is so much for you and your family now and for future generations.

If you’d like to discover Peace of Mind by protecting what is most important to you, Call 781-2372815 or our (24/7) discovery line 800-964-4295. You may also visit DSullivan.com, or email Education@DSullivan.com for FREE valuable resources. Thank you for your consideration, trust, and confidence.

-The Estate Planning & Asset Protection Law Center of Dennis Sullivan & Associates

Plan today...

FOR THE LIFE YOU WANT TO LIVE TODAY AND THE LEGACY YOU PLAN TO LEAVE TOMORROW

Health, Trust, Life, Estate, Asset Protection and Long Term Care Planning Dennis Sullivan & Associates has been serving clients throughout Massachusetts for more than 27 years. If you would like to discover steps necessary to protect you and your loved ones, call us to get started.

If you already have a trust and estate plan you may want a powerful 19-point analysis to determine if your existing plan is providing the protection you need for your spouse, home, family, life savings and legacy.

We’re here to enable you to live the life you’ve earned.

PHONE (781) 237-2815 EMAIL Education@DSullivan.com WWW.EstatePlanandAssetProtection.com | 888 Worcester Street, Wellesley, MA 02482

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Continued from page 9

Trusted Like Family Homecare, Inc.

80 Worcester St., Suite 7, N. Grafton 508-579-1890 www.trustedlikefamilyhomecare.com Ad on page 7

CONSUMER PROTECTION Assisted Living Ombudsman 800-AGE-INFO; www.800ageinfo. com Advocates for resident rights

Community Care Ombudsman/ Long-term Care Ombudsman Massachusetts Executive Office of Elder Affairs One Ashburton Place, Room 517, Boston 617-727-7750, 800-AGE-INFO

Serves: Ashburnham, Ashby, Auburn, Ayer, Barre, Bellingham, Berlin, Blackstone, Bolton, Boylston, Brookfield, Charlton, Clinton, Douglas, Dudley, East Brookfield, Fitchburg, Franklin, Gardner, Grafton, Groton, Hardwick, Holden, Hopedale, Hubbardston, Lancaster, Leicester, Leominster, Lunenburg, Medway, Mendon, Milford, Millbury, Millville, New Braintree, Northbridge, North Brookfield, Oakham, Oxford, Paxton, Pepperell, Princeton, Rutland, Shirley, Shrewsbury, Southbridge, Spencer, Sterling, Sturbridge, Sutton, Templeton, Townsend, Upton, Uxbridge, Warren, Webster, West Boylston, West Brookfield, Westminster, Winchendon, Worcester

Elder Services of Merrimack Valley Nursing home Ombudsman program 280 Merrimack St., Suite 400, Lawrence 978-683-7747; www.esmv.org 

Minuteman Senior Services

26 Crosby Drive, Bedford; 781-2727177; www.minutemansenior.com

Assists and counsels seniors and caregivers with in-home care service problems, complaints

Serves Acton, Arlington, Bedford, Boxborough, Burlington, Carlisle, Concord, Harvard, Lexington, Lincoln, Littleton, Maynard, Stow, Wilmington, Winchester, Woburn

Regional offices: Baypath Elder Services, Inc.

Montachusett Home Care Corp.

33 Boston Post Road, West Marlborough 508-573-7200; www.baypath.org

680 Mechanic St., Leominster 800-734-7312; 978-537-7411 www.montachusetthomecare.com

Serves Ashland, Dover, Framingham, Holliston, Hopkinton, Hudson, Marlborough, Natick, Northborough, Sherborn, Southborough, Sudbury, Wayland, Westborough

Serves Ashburnham, Ashby, Ayer, Berlin, Bolton, Clinton, Fitchburg, Gardner, Groton, Hubbardston, Lancaster, Leominster, Lunenburg, Pepperell, Princeton, Shirley, Sterling, Templeton, Townsend, Westminster, Winchendon

Central Mass. Area Agency on Aging

360 W. Boylston St., W. Boylston 508-852-5539; www.seniorconnection.org

Mystic Valley Elder Services, Inc.

300 Commercial St., Suite 19, Malden 781-324-7705; www.mves.org

Serves Chelsea, Everett, Malden, Medford, Melrose, N. Reading, Reading, Revere, Stoneham, Wakefield, Winthrop

Tri-Valley, Inc.

10 Mill St., Dudley 508-949-6640, 800-286-6640 www.trivalleyinc.com Serves Bellingham, Blackstone, Brookfield, Charlton, Douglas, Dudley, E. Brookfield, Franklin, Hopedale, Medway, Mendon, Milford, Millville, Northbridge, N. Brookfield, Oxford, Southbridge, Spencer, Sturbridge, Sutton, Upton, Uxbridge, Warren, Webster, W. Brookfield

COUNSELING SERVICES Elder Services of Worcester Area, Inc. 67 Millbrook St.,#100, Worcester 508-756-1545; www.eswa.org Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester

Ad on page 19

CREMATION SERVICES Hays Funeral Home

56 Main St., Northborough 508-393-6591 www.haysfunerahome.com Ad on page 17

Mercadante Funeral Home & Chapel 170 Plantation St., Worcester 508-754-0486; www. mercandantefuneral.com Ad on page 21

Continued page 15

2020 ~ 2021

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Estate planning may seem overwhelming and daunting, but it’s really a matter of getting your affairs in order. Of course, no two estate plans are alike. Some individuals may only require a will-based plan, while others may benefit from establishing trusts. The best way to plan for your future, protect your interests, and provide for your loved ones is to consult a qualified elder law & planning attorney.

Estate planning may seem overwhelming andestate daunting, but it’s really a matter of getting your affairs in order. Of course, no two estate plans are

alike. SomeDan individuals may only require a will-basedBeneski, plan, whileare others Partners, Surprenant & Michelle Certified Elder Law may benefit from establishing trusts. The best way to plan for your future, Attorneys by the National Elder Law Foundation. This makes our protect your interests, and provide for your loved ones is to consult a team uniquely qualified to planning help you prepare for life’s unknowns qualified elder law & estate attorney. and provide you with peace of mind.

Partners, Dan Surprenant & Michelle Beneski, are Certified Elder Law Attorneys by the National Elder Law Foundation. This makes our team uniquely qualified to help you prepare for life’s unknowns and provide you with peace of mind.

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ASSET PROTECTION & ESTATE TAX PLANNING A S S E T P R O T E CT I O N & E S TAT E TA X P L A N N I N G

SPECIAL NEEDS PLANNING

S P E CI A L N E E DS P L A N N I N G

ESTATE & TRUST ADMINISTRATION E S TAT E & T R U S T A DM I N I S T R AT I O N GGUARDIANSHIP U A R DI A N S H I P / CO N S E/RVAT ORSHIP CONSERVATO RSHIP M E DI CA I D P R E - P L A N N I N G & CR I S I S P L A N N I N G

MEDICAID PRE-PLANNING & CRISIS PL ANNING 508-994-5200 • www.MyFamilyEstatePlanning.com

508-994-5200 • www.MyFamilyEstatePlanning.com

notredame healthcare.org

Notre Dame Health Care

For Family & Community Exceptional Care – For Families and Community.

Contact us to learn more about the mission-driven, not-for-profit difference at Notre Dame Health Care.

555-559 Plantation Street • Worcester, MA 01605 508-852-5800

2020 ~ 2021

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Continued from page 12

Shaw-Majercik Funeral Home 48 School St., Webster 508-943-6278 www.shaw-majercik.com Ad on page 31

DISABLED SERVICES, SUPPORT Alzheimer’s Association 480 Pleasant St., Watertown Helpline: 800-272-3900 617-868-6718; www.alz.org

American Cancer Society 30 Speen St., Framingham 800-952-7664; www.cancer.org

American Diabetes Association, New England

10 Speen St., 2nd Floor, Framingham 617-482-4580; www.diabetes.org/ in-my-community/local-offices/ boston-massachusetts/

American Heart Association

300 5th Ave., #6, Waltham 781-373-4500; www.americanheart.org

American Parkinson’s Disease Association

72 E. Concord St., C3, Boston 617-638-8466; 800-651-8466 www.apdama.org

Arthritis Foundation

29 Crafts St., Suite 450, Newton 617-244-1800; 800-766-9449 www.arthritis.org/massachusetts

Audio Journal Radio Program

799 W. Boylston St., Worcester 508-797-1117 www.audiojournal.net Audio Journal is a nonprofit radio and online service that broadcasts news and information to Worcester County residents who are blind or otherwise unable to access visual information.

Mass. Association for the Blind

Main Office: 200 Ivy St., Brookline; 617-738-5110 www.mabcommunity.org Central MA Office: 799 W. Boylston St., Worcester; 508-854-0700

The Massachusetts Chapter of the Leukemia and Lymphoma Society

101A First Ave., Suite 6, Waltham; 781-890-2089; 800-344-4867; www.nationalmssociety.org/ Chapters/MAM

Parkinson’s disease, Locations: Bedford Council on Aging 1-2 Mudge Way, Bedford 781-275-6825

Emerson Hospital Concord 978-256-1605

Milford Regional Hospital 508-473-1190

Massachusetts General Hospital

NPF Center of Excellence Ambulatory Care Center 15 Parkman St., Boston; 617-726-2000

9 Erie Drive, Suite 101, Natick 508-810-1300 www.lls.org/massachusetts

Newton-Wellesley Hospital, Newton

Massachusetts Commission for the Blind

Parkinson’s Disease & Movement Disorders Center

600 Washington St., Boston 617-727-5550, 800-392-6450 www.mass.gov/eohhs/gov/ departments/mcb/

Massachusetts Commission for the Deaf and Hard of American Stroke Association Hearing 300 5th Ave., #6, Waltham 781-373-4500; www. strokeassociation.org

Nat. Multiple Sclerosis Society - MA. Chapter

600 Washington St., Boston 617-740-1600; Central Mass.

Office: 2 Foster St., 2nd Floor, Worcester;413-788-6427

781-235-7811

Beth Israel, 330 Brookline Ave., Boston; 617-667-9885 South Shore Hospital, Weymouth 781-383-9394

Southwood Community Hospital, Canton; 508-668-03 85

Continued page 16

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Continued from page 15

DOWNSIZING SERVICES RE/MAX Advantage I

25 Union St., 4th Fl., Dudley 774-239-2937 www.joannsoldmyhouse.com/ Ad on page 24

Sell Mom's House

Registry of Motors Vehicles, Medical Affairs Branch for handicap plates Boston; 857-368-8000 800-858-3926 www.massrmv.com/rmv/medical

Disabled (handicap) Placard/Plate application, information for caregivers and elders about elder driver safety

157 Cullinane Dr., Marlborough 508-877-6500 Ad on page 13

EDUCATION/ EMPLOYMENT TRAINING

DRIVER SAFETY

Assumption College

AARP Smart Driver™ www.aarp.org/drive;

A driver safety program, safe driving tips and information about classes held statewide

Association for Driver Rehabilitation Specialists 866-672-9466; www.aded.net

For fact sheets on disabilities and driving and for a list of Driver Rehabilitation Specialists

DriveWise®

Beth Israel Deaconess Medical Center, Dept. of Neurology 330 Brookline Ave., Boston 617-667-4074 www.bidmc.harvard.edu A driving fitness evaluation program

500 Salisbury St., Worcester 508-767-7000 www.assumption.edu

Babson College

231 Forest St., Babson Park 781-235-1200; www.Babson.edu Free for seniors in Wellesley and Needham

Becker College

61 Sever St., Worcester 877-523-2537 www.beckercollege.edu

Boston University Evergreen Program

755 Commonwealth Ave., Suite B18, Boston; 617-358-1350 www.bu.edu/lifelong/evergreen

Offers one-hour driving evaluations for seniors

Curry College

Division of Continuing Education 1071 Blue Hill Ave., Milton 617-333-0500; www.curry.edu

Eastern Nazarene College 23 E. Elm Ave., Quincy 617-745-3000; www.enc.edu

International Institute

Boston Office: 617-695-9990 2 Boylston St 3rd floor, Boston Lowell Office: 978-459-9031 15-17 Warren St., 2nd Fl., Lowell www.iine.us

Mass. Bay Community College

50 Oakland St., Wellesley 781-239-3000; www.massbay.edu

Massasoit Community College 1 Massasoit Boulevard Brockton; 800-CAREERS www.Massasoit.mass.edu

Mass. Board of Higher Education

One Ashburton Place, Room 1401, Boston; 617-994-6950 www.mass.edu Income-eligible seniors may attend any state, regional or community college without paying tuition

Quincy College

1250 Hancock St., Quincy

Bridgewater State University 800-698-1700

Central Mass. Safety Council 131 Summer St., Bridgewater 186 W. Boylston St., W. Boylston 508-835-2333 www.centralsafety.org

508-798-0191; www.ccworc.org

508-531-1000; www.bridgew.edu

Catholic Charities

The Senior Employment Program 10 Hammond St., Worcester

www.quincycollege.edu

Quinsigamond Community College

670 W. Boylston St., Worcester 508-853-2300; www.qcc.mass.edu Continued page 18

2020 ~ 2021

17

A 501(c)(3) non-profit charitable organization

MEMORIES Shared LIFE Honored Embraced by COMMUNITY

I love my home I love my independence I love my reverse mortgage If you are at least 62-years old and own a home, then you should learn more about reverse mortgages.

Helping Hands Community Partners, Inc., is a non-profit 501(c)(3) with a mission of educating senior homeowners about housing options.

Call to get your FREE copy of “Use Your Home to Stay at Home”

tg ag e rs e m or d ia l re ve ve Th e of fic bo ok le ta pp ro er t um en co ns pa rtm U. S. De by th e in g of Ho us n & Ur ba pm en t De ve lo

MEMORIES Shared

Embraced by508-393-6591 COMMUNITY 56 Main Street, Northborough Haysfuneralhome.com Director: Jeff Koopman

LIFE Honored

(781) 724-6221 LEARN HOW A REVERSE MORTGAGE CAN...

• Increase monthly cash flow • Pay off a current mortgage & debts • Fund home repairs • Pay health expenses • Provide tax free cash • Give peace of mind

Services we offer: • Skin cancer screening • Excision of sebaceous cysts, lipomas, and other skin lesions • Incision and drainage of abscesses • Cryotherapy of skin lesions, such as skin tags and other benign skin growths Skin conditions we treat: • Acute and Chronic Wounds • Minor Burns • Moles

• Rosacea • Eczema • Basal Cell Carcinoma • Squamous Cell Carcinoma

Contact us at (508) 936-1657 to schedule an appointment!

Northborough Office 318 Main Street, Suite 165, Northborough, MA www.drnovikov.com

Talk with the local expert Alain Valles Alain has over 30 years of mortgage experience. He was the 1st designated New England Certified Reverse Mortgage Professional, received a Master of Science from M.I.T.,an MBA from The Wharton School, and graduated summa cum laude from UMass Amherst.

He’s local. He’s accessible. He cares.

Please call Alain directly at 781-724-6221 or email infoaboutreversemortgages@gmail.com Helping Hands Community Partners. MA Broker License# MB1553939 NMLS#1553939 Alain Valles NMLS MLO#7946 We arrange but do not make loans.

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Road Scholar

11 Avenue de Lafayette, Boston 800-454-5768; www.roadscholar.org

SeniorNet Elder Services of the Merrimack Valley, Inc. 280 Merrimack St., Suite 400, Lawrence 800-892-0890; www.esmv.org

University of Massachusetts Boston Gerontology Institute & Dept.

Wheatley Building, 3rd Flr., Rm 124A 100 Morrissey Blvd., Boston 617-287-7300; www.umb.edu/ gerontologyinstitute

University of MA at Lowell One University Ave., Lowell 978-934-4000; www.uml.edu

Worcester Polytechnic Institute

100 Institute Road, Worcester 508-831-5000; www.wpi.edu

Worcester Institute for Senior Education

Assumption College, Worcester 508-767-7513; cce.assumption.edu/ academics/worcester-institute-forsenior-education-wise/

Worcester State College

486 Chandler St., Worcester, 508-929-8000; www.worcester.edu (Intergenerational Urban Institute)

Workforce Career Central www.workforcecentralma.org Worcester office: 508-799-1600 340 Main St., Ste 400 Milford office: 508-478-4300 428 Fortune Blvd., Ste 201

Southbridge office: 508-765-6430 5 Optical Dr., Ste 200

ELDER ABUSE Elder Abuse Hotline

800-922-2275 www.mass.gov/reporting-elderabuse-neglect The Protective Services Program.

Report suspected abuse outside the nursing home for adults age 60 and older that may include such acts of abuse as neglect, physical, sexual, financial exploitation and self-neglect

ELDER SERVICES Elder Services of Worcester Area, Inc. 67 Millbrook St., #100, Worcester 508-756-1545; www.eswa.org

Trusted Like Family Homecare, Inc.

80 Worcester St., Suite 7, N. Grafton 508-579-1890 www.trustedlikefamilyhomecare.com Ad on page 7

ESTATE PLANNING Dennis Sullivan Associates

888 Worcester St., Wellesley 781-237-2815 www.estateplanandassetprotection.com Ad on page 10, 11, 48

Durbin and Veglia Attorneys at Law

Ad on page 19

275R Main St., Oxford 508-987-3981 508-987-3982 www.durbinandveglia.com Ad on page 19

Hays Funeral Home

Surprenant & Beneski, P.C.

Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester

56 Main St., Northborough 508-393-6591; www. haysfunerahome.com Ad on page 17

Heart to Home Meals

289 Elm St., Suite 104, Marlborough 774-843-2696 https://www.hearttohomemeals.com/ Ad on page 8

Seven Hills Foundation 81 Hope Ave., Worcester 508-755-2340 www.sevenhills.org Ad on page 41

35 Arnold St. New Bedford 508-994-5200 www.MyFamilyEstatePlanning.com Ad on page 14

EYE CARE UMass Memorial Health Care All Locations

855-UMASS-MD (855-862-7763) Umassmemorialhealthcare.org Ad on page 5 Continued page 22

2020 ~ 2021

Joseph D. Early Village

19

There’s no place like Home

seeking applicants For:

Inquire about our low-risk, affordable in-home services in central Massachusetts

• 1 bedroom and 2 bedroom affordable HUD subsidized apartments.

• 62 of age or older, handicap/disabled, regardless of age.

• Rent 30% of adjusted gross income.

• Includes utilities.

Homemaking, Personal Care, Meals On Wheels, Personal Emergency Response Systems, Alzheimer’s Care, Medication Dispensers, Caregiver Support, Medical Transportation, Information/Referral

units Feature:

Safe at home, the new normal COVID19 protocols practiced by Direct Care Staff: use of PPE; social distancing; frequent hand washing/ sanitizing; no-contact laundry, shopping and meals on wheels.

• Wall-to-wall carpeting • Electric range and refrigerator • Heat and hot water included

Blackstone Housing corporation 8 Early Village Drive, Blackstone, MA 01504 1/2

Caring since 1974

508-883-9802 TDD 508-883-9802 This This Institution Is An Is Equal Provider Provider. and Employer Institution An Opportunity Equal Opportunity

508-756-1545 | irinfo@eswa.org | www.eswa.org 67 Millbrook Street | Suite 100 | Worcester MA

1/4 pg. RG 2011-12 EarlyJoeVillage_RG_9.11

Just How Well Prepared Are You? ❖ ❖ ❖ ❖ ❖ ❖ ❖ ❖

Estate Planning Elder Law Powers of Attorney Long Term Care Planning Masshealth Applications Real Estate Guardian/Conservator Issues Corporate & Business Planning

Durbin & Veglia ATTORNEYS AT LAW

Josephine L. Veglia, Esq.

275 R Main Street | Oxford, MA 01540 | 508-987-3981 | Fax 508-987-1317

www.durbinandveglia.com

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2020 ~ 2021

Newly Remodeled ApARtmeNts with a contemporary flair

• Contemporary styled 1 & 2 bedroom apartments • New kitchens with built-in microwaves and granite-like countertops • Small pets welcome • Heat and Hot water included • Bus route / ample parking • Beautiful landscaped grounds with gazebo

• Within the building amenities include:

• A Theater-like media center • Handicap-accessible lounges on every floor • Library equipped with two computers and free internet access • Physical fitness center • Game room with billiard table • Community room with bingo board and large screen TV

Green Hill Towers

27 Mount Vernon Street, Worcester, MA 01605 • Office Open Daily 8:00am - 4:30pm To receive an application please call 508-755-6062 TDD# 508-755-0228 Available occupancy to income eligible mature adults (age 62 years & older) or permanently disabled. Applicants must meet HUD annual low income guidelines.

Preference is given to individuals 62 and older.

Managed by Financed by MHFA

2020 ~ 2021

“Committed ever yday to caring.”

43 Main Street, South Grafton

774-293-1515 Monday, Wednesday and Thursday - 8am-4pm Tuesday - 10am-6pm Friday - 7:30am-3pm Practicing for 30 years.

Mary Ellen Curran Rancourt, AuD, CCC-A Experienced audiologist serving all ages in a friendly neighborhood office.

Celebrating over

50 years in business

Our chapel area is designed to serve the needs of ever y nationality and religion.

Pre-need plans are designed for your security, benefit and financial well being.

Adapting communication during COVID-19 The times have changed more than my hair color!

Hearing solutions can be adapted for masks, learning and working remotely and general communication. Contact us if you feel as if hearing has become more challenging. hearjoyaudiology.com

370 Plantation Street, Worcester

www.mercadantefuneral.com Phone (508) 754-0486 • (800) 854-0486

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Continued from page 18

FAMILY CAREGIVER SUPPORT

120 Longwater Drive, Norwell 781-610-1490 www.cancersupportcommunityma.org Offers cancer support, in-person and online.

American Cancer Society

www.cancer.org; Regional Offices: 43 Nagog Park, Suite 110, Acton 781-894-6633 30 Speen St., Framingham 508-270-4600 Offers discussion board, groups and resources

support

American Diabetes Association

330 Congress St., 5th Fl., Boston 888-DIABETES www.diabetes.org Provides research, information and advocacy

American Heart/Stroke Association

300 5th Ave., Suite 6, Waltham 781-373-4500 www.americanheart.org Provides outreach, support group info.

The Arthritis Foundation

29 Crafts St., Suite 450, Newton 617-244-1800; www.arthritis.org Message boards, information and advocacy

Boston Senior Home Care 89 South St., 5th Floor, Ste. 501, Boston; 617-451-6400 bostonseniorhomecare.info

Catholic Charities, Archdiocese of Boston

51 Sleeper St., Boston 617-482-5440; www.bostoncatholic.org Offers social service programs for Eastern MA seniors such as home visiting, adult day health, visiting nurse services and basic services such as food, fuel, utility, and rental assistance

Central Massachusetts Family Caregiver Support Program

Central MA Agency on Aging 360 W. Boylston St., West Boylston 508-852-5539; 800-244-3032 www.seniorconnection.org Serves caregivers in the Worcester area and surrounding communities

Elder Services of the Merrimack Valley, Inc.

280 Merrimack St., Suite 400, Lawrence 800-892-0890 www.esmv.org

Fifty Plus Caregivers

www.fiftypluscaregivers.com Provides listings of caregiving programs, services, information, education and links to help family caregivers assist elderly loved ones. It also offers pertinent late breaking news

Offers caregivers support, counseling, information, respite, information and referral

Mass. Family Caregiver Support Program

The Cancer Support Community Massachusetts South Shore

Empowers elders and caregivers by

800-AGE-INFO www.mass.gov/elders/caregiversupport

providing information, education, support and services that enhance quality of life. It is administered by the Executive Office of Elder Affairs, in coordination with the Area Agencies on Aging/Aging Services Access Points throughout the Commonwealth of Massachusetts

MED-Project

4096 Piedmont Ave., Unit 544, Oakland, Calif., 415-706-0160 www.med-project.org Ad on page 29

National Multiple Sclerosis Society

101A First Ave., Waltham 800-344-4867; www.msnewengland. org Offers education, support and advocacy

FINANCIAL ASSISTANCE AARP

www.aarp.org/retirement Offers information and worksheets to assist with financial planning issues

Massachusetts Department of Transitional Assistance 617-989-2200; www.mass.gov/ eohhs/gov/departments/dta/

Dennis Sullivan Associates

888 Worcester St., Wellesley 781-237-2815; www.estateplanandassetprotection.com Ad on page 10, 11, 48

Continued page 27

2020 ~ 2021

SEE WHY WE’RE THE

Benchmark.

MEMORY CARE REIMAGINED Adelaide of Newton Centre is Benchmark’s newest Mind & Memory experience, caring for those with Alzheimer’s and dementia through a multi-dimensional approach combining the benefits of art and technology to engage all the senses.

SEE HOW WE LIVE UP TO OUR NAME. Schedule a tour or visit AdelaideNewton.com 157 Herrick Road I Newton, MA I 617.941.9076

SEE WHY WE’RE THE

Benchmark.

Benchmark Senior Living, known for our innovative approaches to care and award winning programs, is proud to be introducing our newest assisted living and memory care communities in Metrowest.

Our team loves what they do and it shows through our compassionate care Many ways to get involved, pursue passions and be connected

We can’t wait to connect with you. Schedule your tour today.

TheBranchesFramingham.com | 774.217.7901 | 518 Pleasant St, Framingham, MA TheBranchesMarlboro.com | 508.571.6943 | 421 Bolton St, Marlboro, MA

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2020 ~ 2021

ARE YOU AN AMERICAN HERO?

Teachers • Health Care • Police • Fire • Active and Retired Military

We Love Our Seniors!!

We have a program with incentives If you are buying or selling – call for details.

We’re here and available to meet with you via phone, Internet or whichever method of communication works best for you.

With a combined 50+ years experience in the real estate industry, Jo-Ann and Diane are your winning team to help you “make the next move”.

As someone over the age of 50, your needs aren’t the same as a first-time homebuyer or seller.

Diane Casey-Luong www.dianesmybroker.com 774-239-2937 Dluong.realtor@gmail.com

Caring

for

Jo-Ann Szymczak www.joannsoldmyhouse.com 774-230-5044 joannszymczak@gmail.com

CALL FOR A FREE CONSULTATION

families aCross

to discuss how we are helping baby boomers find their retirement niche.

the

generations

www.salmonhealth.Com

800.446.8060

2020 ~ 2021

NOW OPEN!

Camellia Gardens Gracious Retirement Living

S

omething special is here!

Camellia Gardens, an affordable all-inclusive independent living retirement community is now open.

Camellia Gardens seems to be the “talk of the town” and getting great reviews from on-line neighborhood chat sites, local senior center members and from the people and families that have visited.

Camellia Gardens requires no buyin fee and there is no long-term lease.

The community offers various sizes in studios, 1-bedroom and 2-bedroom apartments and each apartment is rented month to month. All utilities, cable, weekly housekeeping, linen service, transportation and three delicious chef prepared meals a day are all included in the monthly rent. Camellia Gardens offers all the newest and most impressive amenities including a state-of-theart movie theatre, fitness center, library, chapel, business center, beauty/barber shop, outdoor terrace, billiards room, card tables, raised garden beds and even a fire pit for outdoor entertainment. They offer an abundance of activities, live

entertainment, lectures, excursions, outings and so much more.

Camellia Gardens also features two live-in sets of caring managers who are available to you or your loved one 24/7. They participate in activities, pour coffee at mealtime and take time to get to know each resident.

Each apartment also has an in-room communication system that links residents to management personnel 24-hours a day, seven days a week.

Camellia Gardens is nestled in the back of the much-anticipated Maynard Crossing Shopping Center, now under construction, and will be home to many popular shops, restaurants, medical care, and banking. Market Basket, 110 Grill, The Paper Store, and Planet Fitness are just a few of the many shops and restaurants that will be featured in this charming, pedestrian friendly shopping center. How exciting to be able to live amongst a tranquil setting in your backyard and walk out your front door and just a few steps away are all the options you or your loved one need for shopping and culinary delights.

STUDIOS START AT JUST

$2,795 A MONTH!

EVERYTHING IS INCLUDED EXCEPT PERSONAL PHONE

We’re Filling Fast!

We are located at 16 Digital Way Maynard, MA 01754 (GPS address is 129 Parker ST) in the Maynard Crossing Shopping Center next to Market Basket. Beautiful new apartments are still available.

For more information on our gracious retirement lifestyle and to select your choice apartment now, please call us today at

978-707-6003

© 2020 HSL

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2020 ~ 2021

Several stunning locationsall under one Management roof...

Congregational Retirement Homes • Efficiencies & 1BR Apartments* • Independent Living • Serene Countryside Setting • Vibrant Social Community • Beautifully Landscaped Grounds • Conveniently Located Near: • Downtown Melrose • Senior Center • Bus Stop • Commuter Rail • Onsite Resident Coordinator

Irving Square Apartments • 1BR & 2BR Apartments* • Heat Included • Private Park • Downtown Framingham • Wall to Wall Carpeting • Conveniently Located Near: • Commuter Rail • Bus Stop • Restaurants • Medical Centers 75 Irving Street, Framingham, MA

508-875-4400

irvingsquare@peabodyproperties.com

200 West Foster Street, Melrose, MA

781-665-6334

crh1@peabodyproperties.com The Congregational Retirement Homes, Inc. is a private, non-profit organization funded by the Department of Housing and Urban Development.

Framingham Green • Studios & 1BR Apartments* • Heat & Hot Water Included • 7+ Acres of Landscaped Grounds and Gardens • Conveniently Located Near: • Downtown • Restaurants • Churches • Medical Centers • Small Pets Welcome • Free Parking • Intercom & Emergency Signal System • Onsite Resident Coordinator 136 Maynard Road Framingham, MA

508-872-0500 framingham@peabodyproperties.com

Our communities offer professional management, 24-hour maintenance, on-site laundry facilities, community room and a wide range of resident events and activities. Visit our website at www.peabodyproperties.com or call 781-794-1000 for additional housing options. *Communities are for those 62 years+, handicap or disabled person 18 years+. Income limits apply.

Rents and income limits based on HUD schedule and subject to change. Please inquire in advance for reasonable accommodations. Information contained herein subject to change without notice.

536 Granite Street, Braintree, MA 02184 781-794-1000 | www.peabodyproperties.com

2020 ~ 2021

27

Continued from page 22

Massachusetts Dept. of Revenue 800-392-6089 www.mass.gov/dor

The Pension Action Center, UMass/Boston Gerontology Institute, University of Mass. Boston 100 Morrissey Boulevard, Boston www.pensionaction.org/ Offers the following programs:

New England Pension Assistance Project 617-287-7307 888-425-6067

Helps individuals to understand their pension plan, their rights under federal law and the benefits to which they are entitled. Services are free of charge to all New England residents

National Pension Lawyers’ Network 888-420-6550; www.pensionrights.org

a no-cost referral service that connects workers and retirees with attorneys who can help them understand and enforce their pension rights.

FINANCIAL MANAGEMENT Bay State Savings Bank

28 Franklin St., Worcester 508-890-9000 www.baystatesavingsbank.com Ad on page 21

Central One Federal Credit Union 714 Main St., Shrewsbury 508-841-0688 www.centralfcu.com Ad on page 7

Helping Hands Community Partners, Inc. (Direct Finance) 40 Accord Park Drive, Suite 208, Norwell 781-878-5626 www.hhcp.org Ad on page 17

Surprenant & Beneski, P.C.

35 Arnold St., New Bedford 508-994-5200 www.MyFamilyEstatePlanning.com Ad on page 14

Montachusett Opportunity Council (MOC) 133 Prichard St., Fitchburg 978-345-7040 www.mocinc.org

Provides full weatherization services for cities and towns in North Central Ma.

Quincy Community Action 1509 Hancock St., Quincy 617-479-818 www.qcap.org

Serves Braintree, Milton, Quincy, Weymouth

Self-Help Community Action 780 W. Main St., Avon 508-588-0447 selfhelpinc.org

Serves Holbrook, Randolph

Southern Middlesex Opportunity Council 7 Bishop St.,Framingham 508-872-4853 www.smoc.org

Serves Ashland, Bellingham, Framingham, Holliston, Hopkinton, Marlborough, Natick, Southborough, Wayland

South Shore Community Action Council 71 Obery St., Plymouth 508-747-7575 www.sscac.org;

FINANCIAL ASSISTANCE/ INFORMATION

FUEL/ENERGY ASSISTANCE

Dennis Sullivan Associates

Worcester Community 617-573-1100; www.mass.gov/dhcd Action Council

888 Worcester St., Wellesley 781-237-2815 
www. estateplanandassetprotection.com Ad on page 10, 11, 48

Mass. Department of Housing & Community Development

Administers the Weatherization Assistance, Heating Energy Assistance, Retrofit Task Weatherization Assistance and Low-Income Home Energy Assistance programs

Serves Cohasset, Hingham, Hull, Norwell, Scituate

484 Main St., 2nd Floor, Worcester 508-754-1176; www.wcac.net

Serves Worcester, Auburn, Boylston,

Continued page 28

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2020 ~ 2021

Continued from page 27 Brookfield, Charlton, Douglas, Dudley, E. Brookfield, Hardwick, Holden, Leicester, Millbury, New Braintree, N. Brookfield, Oakham, Oxford, Paxton, Rutland, Shrewsbury, Southbridge, Spencer, Sturbridge, Sutton, Warren, Webster, W. Boylston, W. Brookfield, Westborough

FUNERAL HOMES Hays Funeral Home

56 Main St., Northborough; 508-393-6591 www.haysfunerahome.com Ad on page 17

Mercadante Funeral Home & Chapel

HEALTH CARE EDUCATION & SUPPORT

Seven Hills Foundation

Dr. Mikhail Novikov Wellness and Skin Care

St. Mary Healthcare

318 Main St., Ste 165, Northborough 508-936-1657 www.NortboroDoctor.com Ad on page 17

Peak Orthopedics

250 Green St., #205; 978-632-3420 www.heywood.org/services/orthopedics Ad on page 2

170 Plantation St., Worcester 508-754-0486 www.mercandantefuneral.com Ad on page 21

Reliant Medical Group

Shaw-Majercik Funeral Home

HEALTH CARE SERVICES

48 School St., Webster 508-943-6278 www.shaw-majercik.com Ad on page 31

GERIATRIC CARE MANAGERS Heart to Home Meals

289 Elm St., Suite 104, Marlborough 774-843-2696 https://www.hearttohomemeals.com/ Ad on page 8

Reliant Medical Group

800-282-2556 www.reliantmedicalgroup.org Ad on page 47

800-282-2556 www.reliantmedicalgroup.org Ad on page 47

Hear Joy Audiology

43 Main St., S. Grafton 774-293-1515 www.hearjoyaudiology.com Ad on page 21

Dr. Mikhail Novikov - Wellness and Skin Care

318 Main St., Suite 165, Northborough 508-936-1657 www.NortboroDoctor.com Ad on page 17

Peak Orthopedics

250 Green St., #205 978-632-3420 www.heywood.org/services/ orthopedics Ad on page 2

81 Hope Ave., Worcester 508-755-2340; www.sevenhills.org Ad on page 41 39 Queen St.; 508-753-4791 www.stmaryhc.com Ad on page 7

UMass Memorial Health Care - All Locations

855-UMASS-MD (855-862-7763) Umassmemorialhealthcare.org Ad on page 5

HEALTH MAINTENANCE ORGANIZATIONS Dr. Mikhail Novikov - Wellness and Skin Care

318 Main St., Suite 165, Northborough 508-936-1657 www.NortboroDoctor.com Ad on page 17

Peak Orthopedics

250 Green St., #205 978-632-3420 www.heywood.org/services/orthopedics Ad on page 2

Reliant Medical Group

800-282-2556 www.reliantmedicalgroup.org Ad on page 47

YMCA Boroughs Family Branch

4 Valente Drive, Westborough 508-870-1320; www.ymcaofcm.org Ad on page 32

Continued page 30

2020 ~ 2021

29

Our care sets us apart Rehabilitation is what we do. And that makes a difference. With around-the-clock specialized care and typically at least three hours of therapy a day, five days a week, we help patients return to their greatest level of independence.

Learn more at ehc.rehab/fw20

189 May Street • Worcester, MA 01602 508.791.6351 • fairlawnrehab.org

The Joint Commission Disease-Specific Care Certification in Amputee Rehabilitation, Brain Injury Rehabilitation, Parkinson’s Disease Rehabilitation and Stroke Rehabilitation ©2020:Encompass Health Corporation:1514451C_PPE2

30

2020 ~ 2021

Continued from page 28

YMCA Central Community Branch

Seven Hills Foundation

766 Main St., Worcester 508-755-6101; www.ymcaofcm.org Ad on page 32

81 Hope Ave., Worcester 508-755-2340 www.sevenhills.org Ad on page 41

YMCA Greendale Family Branch

Trusted Like Family Homecare, Inc.

75 Shore Drive, Worcester 508-852-6694; www.ymcaofcm.org Ad on page 32

YMCA Leominster Community Branch

108 Adams St., Leominster 978-401-2290; www.ymcaofcm.org Ad on page 32

YMCA Montachusett Community Branch

55 Wallace Avenue, Fitchburg 978-343-4847; www.ymcaofcm.org Ad on page 32

HEARING AIDS/ TESTING Hear Joy Audiology

43 Main St., S. Grafton 774-293-1515 www.hearjoyaudiology.com Ad on page 21

HOME CARE Elder Services of Worcester Area, Inc. 67 Millbrook St., #100, Worcester 508-756-1545; www.eswa.org

Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester

Ad on page 19

80 Worcester St., Suite 7, N. Grafton 508-579-1890 www.trustedlikefamilyhomecare.com Ad on page 7

HOME REPAIR SERVICES Elder Home Repair/ Maintenance Pro. (CMHA)

6 Institute Road, Worcester 508-752-5519; www.cmhaonline.org Low cost emergency home repairs

Home Modification Loan Program

Massachusetts Rehabilitation Commission; 27-43 Wormwood St., Boston, 617-204-3637; www.mass.gov Provides loans to finance eligible modifications including ramps, accessible bathrooms, grab bars, visual safety alarm systems

Montachusett Opportunity Council Elder Services

66 Day St., Fitchburg; 978-345-7040 moc.inc.org; Provides minor home adaptations to improve home safety

RCAP Solutions, Inc. 12 E. Worcester St., Worcester; 800-488-1969 www.rcapsolutions.org

Provides housing repairs and rehabilitation

Rebuilding Together Worcester

P.O. Box 2774, Worcester 508-842-8833 sites.google.com/site/ rebuildingtogetherworcester Provides renovations for elderly to improve home safety

HOSPICE CARE Notre Dame Health Care 555-559 Plantation St., Worcester 508-852-3011 www.notredamehealthcare.org Ad on page 14

Salmon VNA & Hospice Care

37 Birch St., Milford 508-473-0862 www.salmonhealth.com Ad on page 24

HOSPITALS Fairlawn Rehabilitation Hospital

(an affiliate of Encompass Health) 189 May St., Worcester 508-791-6351; Fairlawnrehab.org Ad on page 29

UMass Memorial Health Care All Locations 855-UMASS-MD (855-862-7763) Umassmemorialhealthcare.org Ad on page 5

Continued page 31

2020 ~ 2021

31

Continued from page 30

HOUSING, ASSISTED LIVING

Branches of Marlboro/ Benchmark

SageLife Artisan-Hudson 253 Washington St., Hudson 978-763-8165; www.ArtisanatHudson.com Ad on page 37

421 Bolton St., Marlborough 508-313-6837 www.benchmarkseniorliving.com Ad on page 23

Adelaide of Newton Center/ Benchmark

Notre Dame Health Care

Christopher Heights of Marlborough

157 Herrick Rd, Newton Centre 617-870-6964 www.benchmarkseniorliving.com Ad on page 23

555-559 Plantation St., Worcester 508-852-3011 www.notredamehealthcare.org Ad on page 14

99 Pleasant St. Marlborough 508-449-6301 www.christopherheights.com Ad on page 8

Branches of Framingham/ Benchmark 518 Pleasant St., Framingham 774-845-3153 www.benchmarkseniorliving.com Ad on page 23

Goddard Homestead

Whitney Place Assisted Living and Memory Care, Natick

1199 Main St., Worcester 508-753-4890; ww.goddardhomestead.org Ad on page 37

Three Vision Drive, Route 9 West, Natick; 508-655-5000 www.SalmonHealth.com Ad on page 24

Continued page 32

Preserving Memories with Dignity Cremation and affordable funeral options The Shaw-Majercik Funeral Home provides affordable cremation and traditional funeral services.

When it comes to your final arrangements...

Veteran Owned & Operated

Shouldn’t you make the decisions?

The arrangements you make will reflect your exact wishes and desires.

Arrangements can be made in the comfort of your own home.

DIRECT CREMATION

RichaRd d. MajeRcik Director

We are the largest cremation provider in Worcester County.

Complete

1675

$

TRADITIONAL GRAVESIDE SERVICE AND BURIAL

Includes 20-gauge metal casket & Vault

Shaw-Majercik Funeral Home

Does not include grave opening

Complete

3995

$

+ Cemetary charges

48 School Street, Webster, MA 01570 508-943-6278 • www.shaw-majercik.com

1(800)279-7429

ESTABLISHED 1910 OVER 100 YEARS OF CONTINUOUS SERVICE ~ VETERAN OWNED & OPERATED ~ SERVING ALL FAITHS

32

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Continued from page 33

Whitney Place Assisted Living and Memory Care, Northborough

238 West Main St., Northborough 508-393-5655; www.SalmonHealth.com Ad on page 24

Whitney Place Assisted Living Residences, Northbridge 85 Beaumont Drive, P.O. 940; Northbridge ; 508-234-3434 www.SalmonHealth.com Ad on page 24

Whitney Place Assisted Living and Memory Care, Westborough 5 Lyman St., Westborough 508-836-4354 www.SalmonHealth.com Ad on page 24

HOUSING AUTHORITIES Acton Housing Authority 68 Windsor Ave., Acton;

Whitney Place Assisted Living 978-263-5339; acton-ma.gov and Memory Care, Sharon Athol Housing Authority 675 South Main St., Sharon 781-784-0111 www.SalmonHealth.com Ad on page 24

21 Morton Meadows; Athol 978-249-4848 atholorangehousing.com

Auburn Housing Authority 200 N. Oxford St., Auburn 508-832-3852 auburnmahousing.org

Braintree Housing Authority 25 Roosevelt Road, Braintree 781-848-1484 braintreehousingauthority.org

Brockton Housing Authority 247 Arthur Paquin Way, Brockton 508-583-3555 brocktonhousingauthority.com

Cohasset Housing Authority 60 Elm St., Cohasset 781-383-1948; cohassetma.org

Continued page 33

2020 ~ 2021

33

Continued from page 32

Concord Housing Authority 34 Everett St., Concord 978-369-8435 concordca.org

Dracut Housing Authority 97 Mammoth Road, Dracut 978-957-3515 dracuthousingauthority.org

Fitchburg Housing Authority 100 Main St., Leominster 508-537-5300 ncmhousing.com

Framingham Housing Authority

1 John J. Brady Drive, Framingham 508-879-7562; www.framha.org

Grafton Housing Authority

10 Maxwell Drive, Grafton 508-839-6089; graftonhousing.com

Hingham Housing Authority

30 Thaxter St., Hingham; 781-741-1417 hingham-ma.com

Holbrook Housing Authority 1 Holbrook Court, Holbrook 781-767-0024; holbrookma.gov

Holden Housing Authority 9 Flagler Drive, Holden; 508-829-9182; holdenma.gov

Holliston Housing Authority

492 Washington St., Cole Court, Holliston 508-429-6266; townofhollidston.us

Hudson Housing Authority

8 Brigham Circle, Hudson 978-562-9268; townofhudson.org

Hull Housing Authority

6 Atlantic House Court, Hull 781-925-4544; town.hull.ma.us

Leominster Housing Authority

100 Main St., Leominster 978-537-5300; ncmhousing.org

Lexington Housing Authority

One Countryside Village, Lexington 781-861-0900; lexingtonhousing.org

Lowell Housing Authority P.O. Box 60, Lowell 978-937-3500 lowellhousingauthority.org

Lynn Housing Authority 50 Andrew St., Lynn 781-592-4092; lhand.org

Malden Housing Authority

630 Salem St., Malden; 781-322-9460; maldenhousing.org

Mansfield Housing Authority

22 Bicentennial Court, Mansfield 508-339-6890; mansfieldma.com

Marlborough Housing Authority 240 Main St., Marlborough 508-624-6908; marlborough-ma.gov

Maynard Housing Authority 15 Powder Mill Circle, Maynard 978-897-8738

affordablehousingonline.com

Medford Housing Authority

121 Riverside Ave., #1, Medford 781-396-7200; medfordhousing.org

Medway Housing Authority 600 Mahan Circle, Medway 508-533-2434 affordablehousingonline.com

Melrose Housing Authority 910 Main St., Melrose 781-665-1622; melroseha.com

Merrimack Housing Authority

52 Merrimack Village, Merrimack 978-388-2022 ext. 5 www.merrimac01860.info

Methuen Housing Authority 24 Mystic St., Methuen 978-682-8607 methuenhousingauthority.org

Milton Housing Authority 65 Miller Ave., #1, Milton 617-698-2169 miltonhousingauthority.com

Middleborough Housing Authority 8 Benton St., Middleborough 508-947-3824 affordablehousingonline.com

Milford Housing Authority

45 Birmingham Court, Milford 508-473-9521 affordablehousingonline.com Continued page 34

34

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Continued from page 33

Millis Housing Authority 310 Exchange St., Millis 508-376-8181; millis.org

Milton Housing Authority 65 Miller Ave., #2, Milton 617-698-2169 miltonhousingauthority.com

Natick Housing Authority 4 Cottage St., Natick 508-653-2971; natickha.org

Needham Housing Authority 28 Captain Robert Cooke Drive, Needham; 781-444-3011; needhamhousing.org

Newton Housing Authority

82 Lincoln St., #101, Newton Highlands 617-552-5501; newtonhousing.org

N. Andover Housing Authority

310 Greene St., N. Andover 978-682-3932; nandoverha.org

N. Reading Housing Authority

Peabody Court, N. Reading 978-664-2982; www.northreadingha.org

Northborough Housing Authority

26 Village Drive, Northborough 508-393-2408 northboroughhousing.com

Norwood Housing Authority

40 William Shyne Circle, Norwood 781-762-8115; norwoodha.org

Oxford Housing

Authority

23 Wheelock St., Oxford 508-987-5055; oxfordhousing.org

781-344-6599; stoughtonhousingauthority.com

Stow Housing Authority

Pembroke Housing Authority 380 Great Road, Stow Kilcommons Drive, Pembroke 781-293-3088; pembrokeha.com

978-897-4534; stow-ma.gov

Plymouth Housing Authority

30 Olney St., Taunton 508-823-6308; tauntonhousing.com

69 Allerton St., Plymouth 508-746-2105; plymouthhousing.org

Taunton Housing Authority

Tewksbury Housing Authority

Quincy Housing Authority

Saunders Circle, Tewksbury 978-851-7392, ext. 7 tewksbury-ma.gov

Reading Housing Authority

Wakefield Housing Authority

80 Clay St., Quincy 617-847-4350; quincyha.com

23 Frank D. Tanner Drive, Reading 781-944-6755; readinghousing.org

Scituate Housing Authority 791 Country Way, Scituate 781-545-3375; scituatema.gov

Shrewsbury Housing Authority

36 N. Quinsigamond Ave., Shrewsbury 508-757-0323; shrewsburyha.org

Somerville Housing Authority

30 Memorial Road, Somerville 617-625-1152; sha-web.org

Southbridge Housing Authority

60 Charlton St., Southbridge 508-765-5858; www.ci.southbridge. ma.us/southbridge

Stoughton Housing Authority 4 Capen St., Stoughton

26 Crescent St., Wakefield 781-245-7328 wakefieldhousing.org

Walpole Housing Authority 8 Diamond Terrace, Walpole 508-660-9973

Watertown Housing Authority

55 Waverley Ave., Watertown 617-923-3950 www.ci.waterotwn.ma.us Serves Allston, Belmont, Brighton, Cambridge, Newton, Waltham, Watertown

Wayland Housing Authority 106 Main St., Wayland 508-655-6310 wayland.ma.us

Webster Housing Authority 10 Golden Heights, Webster 508-943-1634 webster-ma.gov

Wellesley Housing Authority Continued page 36

2020 ~ 2021

Five Reasons To Call Us...

Colony RetiRement Homes i & ii 485 Grove Street • Worcester, MA • (508) 852-5285

Colony RetiRement Homes iii 101 Chadwick Street • Worcester, MA • (508) 755-0444

Colony RetiRement Homes iV 123 Holden Street • Worcester, MA • (508) 853-2211

Colony RetiRement Homes of Holden 68 Reservoir Street • Holden, MA • (508) 829-4300

Colony Retirement Homes offers Five Exciting Choices in Retirement Living.

Come visit our studios, 1 bedroom or 2 bedroom units, you’ll be glad you did.

AMENITIES INCLUDE (depending on location): • Attractive well lit landscaped grounds • Wall to wall carpeting • Private patio or balcony • Laundry facilities • All utilities included in rent except telephone and cable

• Resident computer, with FREE access to the internet (classes also available) • Off season storage • 24 hour maintenance • “Home cooked” meals served daily • TV cable ready units

• Green house / gardening • Art and crafts room • Small pets welcome • Attractive community rooms for residents and family functions • Library

Colony Retirement Homes, inC. of

Not for Profit Corporation Our equal opportunity housing is subsidized through the Department of Housing and Urban Development. For more information call or stop by.

se rvice!

35

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Continued from page 34

109 Barton Road, Wellesley 781-235-0223 wellesleyhousing.org

W. Boylston Housing Authority

87 Maple Ave., W. Boylston 508-835-6060; westboylston-ma.gov

W. Brookfield Housing Authority

29 E. Main St., W. Brookfield 508-867-5891 wbrookfield.com

Westborough Housing Authority

2 Rogers Road, Westborough 508-366-1225 www.town.westborough.ma.us/ housing-authority

Weymouth Housing Authority 402 Essex St., Weymouth 781-335-2000

Winchendon Housing Authority

108 Ipswich Drive, Winchendon 508-297-2280 townofwinchendon.com

Winchester Housing Authority

13 Westley St., Winchester 781-721-5718; winchesterha.org

Woburn Housing Authority

59 Campbell St., Woburn 781-935-0818; woburnhousing.org

Worcester Housing Authority 40 Belmont St., Worcester 508-635-3000 www.worcesterha.org

HOUSING, INDEPENDENT LIVING Adelaide of Newton Center/ Benchmark 157 Herrick Rd, Newton Centre 617-870-6964 www.benchmarkseniorliving.com Ad on page 23

Bigelow Village

P.O. Box 275, Rutland; 508-886-6565 www.bigelowvillage.com Ad on page 7

Congregational Retirement Homes 200 W. Foster St., Melrose 781-665-6334 www.peabodyproperties.com Ad on page 26

Framingham Green

136 Maynard Road, Framingham 508-872-0500 www.peabodyproperties.com Ad on page 26

Irving Square Apartments

Blackstone Housing Corp.

75 Irving St., Framingham 844-656-4361 www.equityapartments.com Ad on page 26

Branches of Framingham/ Benchmark

SageLife Artisan-Hudson

Branches of Marlboro/ Benchmark

The Willows at Westborough

Camellia Gardens/ Hawthorne Senior Living

The Willows at Worcester

8 1/2 Early Village Drive, Blackstone 508-883-9802 Ad on page 19

518 Pleasant St.,Framingham 774-845-3153 www.benchmarkseniorliving.com Ad on page 23

421 Bolton St., Marlborough 508-313-6837 www.benchmarkseniorliving.com Ad on page 23

16 Digital Way, Maynard 978-243-0929 www.seniorlivinginstyle.com/seniorliving/ma/maynard/digital-way/ Ad on page 25

253 Washington St., Hudson 978-763-8165 www.ArtisanatHudson.com Ad on page 37 1 Lyman St., Westborough 508-366-4730 www.SalmonHealth.com Ad on page 24 101 Barry Road, Worcester 508-755-0088 www.SalmonHealth.com Ad on page 24

Continued page 38

THE WAIT IS ALMOST OVER

2020 ~ 2021

Reach over 40,000 Mature Consumers and Caregivers

37

Goddard House provides gracious senior living in our studio, one, and two bedroom apartments in a historic home in Worcester. Residents of the Goddard House enjoy three chef prepared meals daily in our restaurant style dining room, trips to Mechanics Hall, restaurants, museums, and other locations, availability of staff 24-hours, and emergency call system in each apartment.

fiftyplus

Homestead Hall provides personal care, medication management, and social programs in a residential homelike environment. All rooms are private with private en-suite half-baths. Set on over an acre of land in a secluded, private, residential setting in the heart of Worcester.

THE WAIT IS ALMOST OVER www.fiftyplusadvocate.com

For advertising information call

Please contact Tracey King at (508) 868-0967 for a private tour and information regarding options and pricing

(508) 366-5500

Worcester, MA www.goddardhomestead.org

Opening September 2020

GRAND OPENING

At Artisan at Hudson, we’re putting the finishing touches on a better senior living experience.

Whether you live independently or need supportive care, you can experience the right amount of support while enjoying a carefully curated boutique lifestyle.

Opening

Here, you can live your way with thoughtful services and experiences, delicious dining and an engaging lifestyle that’s defined by you.

It’s new, it’s different and it’s waiting for you.

September 2020

The wait is over! Come choose your new home today!

At Artisan at Hudson, we’re putting the finishing touches on a better senior living experience.

Whether you live independently or need supportive care, you can experience the right amount of support while enjoying a carefully curated boutique lifestyle.

Here, you can live your way with thoughtful services and experiences, delicious dining and an engaging lifestyle that’s defined by you.

Call to scheduleoffering a touran ofactive our model Enjoy an exciting new senior living rental community lifestyle, It’s new, it’s different and it’s waiting for you. apartments and apartment! to learn about our peace of mind, and your own fully private

(978) 763-7111

www.ArtisanAtHudson.com (978) 763-7111

special incentives.

Call to schedule a tour of our model apartments and to learn about our special incentives.

www.ArtisanAtHudson.com

Welcome Center: 10 Technology Drive in Hudson (next to The Paper Store) 253253 Washington Street | Hudson, MAMA 01749 Pending EOEA Certification Future Community: Washington Street | Hudson, 01749 Welcome Center: 10 Technology Drive in Hudson (next to The Paper Store) Future Community: 253 Washington Street | Hudson, MA 01749

Pending EOEA Certification

38

2020 ~ 2021

Continued from page 36

HOUSING INFORMATION & REFERRAL Bigelow Village

P.O. Box 275, Rutland 508-886-6565; www.bigelowvillage.com Ad on page 7

Central MA Housing Alliance

6 Institute Road, Worcester 508-752-5519; www.cmhaonline.org Housing, tenant and landlord issues

Homeowner Options for Elders (HOME) 137 South St., Boston 617-451-0680

A comprehensive housing counseling service for older homeowners of limited income that looks for ways to tap into home equity

Leading Age

246 Walnut St., Suite 203, Newton 617-244-2999 www.leadingagema.org

Mass. Access: The Accessible Housing Registry 18 Tremont St., Suite 401, Boston; 617-742-0820 www.massaccesshousingregistry.org

Online resource assists those with disabilities find rental housing in Massachusetts

Massachusetts Dept. of Housing and Community Development

100 Cambridge St., Ste 300, Boston; 617-573-1100; www.mass.gov/dhcd Public housing options and how to find more information in your area.

Publishes “How to Obtain Housing Assistance in Massachusetts.

Mass. Housing Finance Agency 1 Beacon St., Boston 617-854-1000 www.masshousing.com

Administers Mass Housing’s ElderCHOICE program that provides financing for assisted-living rental housing with supportive services for frail elders; and the Elder 80/20 programs, which serve elders who wish to live in independent rental apartments with on-site access to supportive service in developments financed through the Elder 80/20 program. Agency also publishes subsidized housing list.

Metro Boston Housing Partnership 125 Lincoln St., 5th Floor, Boston 617-859-0400 800-272-0990 www.mbhp.org

HOUSING, RETIREMENT COMMUNITIES Bigelow Village

P.O. Box 275, Rutland 508-886-6565 www.bigelowvillage.com Ad on page 7

Goddard Homestead

1199 Main St., Worcester 508-753-4890 www.goddardhomestead.org Ad on page 37

SageLife Artisan-Hudson 253 Washington St., Hudson; 978-763-8165; www.ArtisanatHudson.com Ad on page 37

Provides loans to make access modifications to homes for individuals with disabilities; offers rental voucher assistance to homeless, elderly, disabled, and low- and moderate-income residents of Boston and 29 surrounding communities.

HOUSING, SUBSIDIZED ELDERLY

U.S. Dept. of Housing and Urban Development

Most Subsidized Elderly Housing is for people 62 years and older, Rent is 30 percent of income.

Thomas P. O’Neill Jr. Fed. Bldg.

10 Causeway St.,Rm 321, Boston 617-994-8300 800-827-5005 www.hud.gov Enforces fair housing laws, conducts training, outreach, and compliance monitoring: and works with state and local agencies to administer fair housing programs

Blackstone Housing Corp.

8 ½ Early Village Drive, Blackstone 508-883-9802 Ad on page 19

Camellia Gardens/ Hawthorne Senior Living

16 Digital Way, Maynard 978-243-0929 www.seniorlivinginstyle.com/seniorliving/ma/maynard/digital-way/ Ad on page 25 Continued page 39

2020 ~ 2021

39

Continued from page 38

Christopher Heights of Marlborough

99 Pleasant St. Marlborough 508-449-6301 www.christopherheights.com Ad on page 8

Colony Retirement Homes Inc. I & II

485 Grove St., Worcester 508-852-5285 www.colonyretirementhomes.com/ colony-1-2 Ad on page 35

Colony Retirement Homes Inc. III

101 Chadwick St., Worcester 508-755-0444 www.colonyretirementhomes.com/ colony-3 Ad on page 35

Colony Retirement Homes Inc. IV

123 Holden St., Worcester 508-853-2211 www.colonyretirementhomes.com/ colony-4 Ad on page 35

Congregational Retirement Homes 200 W. Foster St., Melrose 781-665-6334 www.peabodyproperties.com Ad on page 26

1 Ashburton Place, 5th Floor, Boston; 617-727-7750 www.mass.gov/elders

The state secretary representing seniors. Provides resources and info for seniors and caregivers

Framingham Green

136 Maynard Road, Framingham 508-872-0500 www peabodyproperties.com Ad on page 26

INSURANCE & FINANCIAL ASSISTANCE

Green Hill Towers

Massachusetts Division of Health Care Finance and Policy

27 Mount Vernon St., Worcester 508-755-6062 TDD: 508-755-0228 Ad on page 20

Irving Square Apartments 75 Irving St., Framingham 844-656-4361 www.equityapartments.com Ad on page 26

INFORMATION & REFERRAL SERVICES 800-Age-Info Resources for Mass. Elders

Colony Retirement Homes of 800-Age-Info; www.800ageinfo.com Holden Fifty Plus Advocate 68 Reservoir St., Holden Newspaper 508-829-4300 www.colonyretirementhomes.com/ colony-holden Ad on page 35

Massachusetts Executive Office of Elder Affairs

32 South St., Westborough 508-366-5500 www.fiftyplusadvocate.com Ad on page 37

www.massmedicaid.org/ massachusetts-division-health-carefinance-and-policy Administers the Health Safety Net, a fund set up to help pay for health services for certain low income uninsured and underinsured individuals

Massachusetts Division of Medicare Advocacy Project 197 Friend St., Boston 800-323-3205; www.gbls.org

Answers telephone queries and provides free advice and legal representation

Medicaid Managed Care

Recipient Help Line: 800-682-1062 www.mass.gov/eohhs/gov/newsroom/ dph/directory/helplines.html

MassHealth Enrollment Centers

800-841-2900 www.mass.gov/service-details/ masshealth-enrollment-centers-mecs Continued page 40

40

2020 ~ 2021

Continued from page 39

Chelsea: 47 Spruce St. 781-485-2500 Springfield: 333 Bridge St. 413-785-4100 800-332-5545 Taunton: 21 Spring St., Suite 4 508-828-4600 800-242-1340 Tewksbury: 367 E. St. 978-863-9200 800-408-1253 MassHealth is a state sponsored program that pays for nursing and other medical services for financially eligible individuals residing at home or in nursing facilities, rehabilitation hospitals and state hospitals. Eligibility is based on medical and financial criteria

LEGAL ASSISTANCE Boston College Legal Services LAB

885 Centre St., Newton Center Elder Intake: 617-552-0248 www.masslegalservices.org/ programs/boston-college-legalservices-lab The Boston College Legal Services LAB office is a community law office staffed by students and faculty from BC Law School. Our services are free for low income residents of Waltham, Watertown and Newton.

Disability Law Center, Inc. 11 Beacon St., Suite 925, Boston 800-872-9992; www.dlc-ma.org

Provides free legal assistance and information to people with disabilities throughout Massachusetts

Dennis Sullivan Associates

888 Worcester St., Wellesley 781-237-2815 www.estateplanandassetprotection.com Ad on page 10, 11, 48

Durbin and Veglia Attorneys at Law

275R Main St., Oxford 508-987-3981; 508-987-3982 www.durbinandveglia.com Ad on page 19

the-attorney-generals-elder-hotline Provides information on such areas as guardianship, elder abuse, homestead protection and more

Massachusetts Bar Association Lawyer referral service 20 West St., Boston 617-338-0500 www.massbar.org

Mass. Law Reform Institute

Greater Boston Elderly Legal 617-357-0700 www.mlri.org Services 197 Friend St., Boston 617-371-1234; www.gbls.org

Provides free civil (non-criminal) legal assistance to low-income people in Boston and 31 additional cities and towns

Harvard Legal Aid Bureau 23 Everett St., 1st Flr, Cambridge 617-495-4408 www.harvardlegalaid.org

Provides free legal services to low-income people in Middlesex and Suffolk counties

Legal Assistance Corp. of Central Massachusetts

Volunteer Lawyers Service 405 Main St., 4th Flr, Worcester 800-649-3718; 508-752-3718 79 Elm St., Southbridge 508-765-9290; www.livejustice.org Provides free civil legal assistance to low-income and elderly residents of Worcester County

Massachusetts Attorney General Elder Hotline

One Ashburton Place, Boston 888-243-5337 www.mass.gov/service-details/

Nonprofit legal services support center. Promotes social and economic justice through advocacy, education and legal action

MetroWest Legal Services 63 Fountain St., Suite 304, Framingham 508-620-1830 www.mwlegal.org

Provides free, civil legal representation to low-income people who live in Metrowest area

Mental Health Legal Advisors Committee

24 School St., Suite 804, Boston; 617-338-2345 800-342-9092 www.mass.gov/mhlac Provides legal referrals, information and advice with regard to mental health issues

Pension Assistance Project Gerontology Institute UMass - Boston 100 Morrissey Blvd., Boston 617-287-7300 www.umb.edu/pensionaction

Continued page 42

2020 ~ 2021

HOME CARE

Professional Caregiving for Independent Senior Living Seniors remain as steadfast as ever in their independence as homeowners and community members. Health, happiness, and comfort are at the core of choosing to live independently in their own home.

At the point when daily activities require assistance, they choose Home Care.

For over 60 years, the Home Care Department at Family Services of Central Massachusetts (FSCM), has been supporting seniors’ wishes to “age in place,” with the Senior Living Care (SLC) Suite of Services to ease the increasing daily demands of independent living.

The Home Care SLC Suite of Services Includes: • • • • •

Companionship Respite Care Personal Care Light Housekeeping Meal Preparation

FSCM Home Care is an affordable option to Assisted Living facilities that helps seniors build a safe, supportive SLC Suite of Services right in their own home.

• Laundry • Shopping • Prescription Pickup • Transportation Contact Marnie Dow, Director of Home Care & Long Term Supports, at 508.756.4696 or mdow@fscm.org to discuss your Senior Living Care needs, today!

31 Harvard Street, Worcester, MA 01609 • 508.756.4696 • fscm.org

41

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2020 ~ 2021

Continued from page 40 Offers counseling and assistance for citizens on their pension rights

MENTAL HEALTH

Surprenant & Beneski, P.C.

MA Dept. of Mental Health,

35 Arnold St., New Bedford 508-994-5200 www.MyFamilyEstatePlanning.com Ad on page 14

MARKETING TO SENIORS & CAREGIVERS Fifty Plus Advocate Newspaper

32 South St. Westborough 508-366-5500 www.fiftyplusadvocate.com Ad on page 37

MEMORY CARE Branches of Framingham/ Benchmark 518 Pleasant St., Framingham 774-845-3153 www.benchmarkseniorliving.com Ad on page 23

Branches of Marlboro/ Benchmark

421 Bolton St., Marlborough 508-313-6837 www.benchmarkseniorliving.com Ad on page 23

25 Staniford St., Boston 617-626-8000 165 Quincy St., Brockton 508-897-2000 361 Plantation Street, 1st Floor, Worcester 774 420-3140 www.mass.gov/orgs/massachusettsdepartment-of-mental-health

Catholic Charities

Family Counseling & Guidance Center 152 Sylvan Street Danvers www.ccab.org/counseling-services 978-774-6820 Outreach offices are available in Lynn and Salem. Clinical services are also available in Catholic Charities Childcare sites in Lynn, Peabody, and South Boston.

National Alliance on Mental Illness (NAMI) of Massachusetts

The Schrafft Center, 529 Main St., Suite 1M17, Boston 800-370-9085 www.namimass.org Provides information, support and referral services to individuals with various forms of mental illness and their families

NURSING HOMES Most nursing homes offer long-term, short-term, and Alzheimer's care as well as hospice services

Beaumont Rehabilitation and Skilled Nursing Centers, (Natick) Three Vision Drive, Route 9 West, Natick 508-651-9200 www.SalmonHealth.com Ad on page 24

Beaumont Rehabilitation and Skilled Nursing Centers, (Northborough) 238 West Main St., Northborough 508-393-2368 www.SalmonHealth.com Ad on page 24

Beaumont Rehabilitation and Skilled Nursing Centers, (Northbridge) 85 Beaumont Drive, P.O. Box 940, Northbridge 508-234-9771 www.SalmonHealth.com Ad on page 24

Beaumont Rehabilitation and Skilled Nursing Centers, (Westborough) Three Lyman St., Westborough 508-366-9933 www.SalmonHealth.com Ad on page 24

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Beaumont Rehabilitation and Skilled Nursing Centers, (Worcester) 378 Plantation St., Worcester 508-651-9200; 508-755-7300; www.SalmonHealth.com Ad on page 24

NUTRITION Elder Services of Worcester Area, Inc. 67 Millbrook St., #100, Worcester; 508-756-1545; www.eswa.org

Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester

Ad on page 19

Heart to Home Meals

289 Elm St., Suite 104, Marlborough 774-843-2696 https://www.hearttohomemeals.com/ Ad on page 8

Massachusetts Elderly Nutrition Program Information

To find the closest agency, call (800) 243-4636. www.mass.gov/nutrition-programfor-seniors Provides nutritious meals at home through meals on wheels and congregate meal sites

Food Stamp Program (SNAP)

To contact Department of transitional Assistance (DTA) about SNAP, call the DTA Assistance Line

at (877) 382-2363. www.mass.gov/snap-benefitsformerly-food-stamps Fitchburg (DTA Office): 49 Nursery Lane, Suite 101 978-665-8700 Milford (at Salvation Army): 29 Congress Street, Milford Southbridge (DTA Office): 1 North St., 508-765-2400 Worcester (DTA Office): 13 Sudbury Street; 508-767-3100

Project Bread Food Stamp Hotline 800-645-8333 TTY 1-800-377-1292 www.projectbread.org

If you or your family is facing hunger right now, we want to help. Call our FoodSource Hotline above or visit http://www.projectbread.org/get-help/ to find resources.

Farmers' Market Program www.mass.gov/farmersmarket-nutrition-program Senior Nutrition Agencies distribute coupons to eligible seniors in July.

Call the agency in June for a distribution schedule. Find out if you're eligible to receive coupons by clicking on the "Check Eligibility" link at the web address above.

Greater Boston Food Bank 70 S Bay Ave, Boston 617-427-5200; www.gbfb.org

The Greater Boston Food Bank (GBFB) partners with 520+ hunger-relief agencies, including food pantries, community meal programs and other food assistance providers throughout the nine counties and 190 towns and cities across Eastern Massachusetts.

Worcester County Food Bank 474 Boston Turnpike, Shrewsbury 508-842-3663 www.foodbank.org; www.foodbank. org/find-food/#agency-locator

Locate your nearest Worcester County pantry or meal program.

PENSION PLAN ASSISTANCE N. E. Pension Assistance Project, Gerontology Institute

University of Massachusetts Boston Wheatley Hall, 3rd Floor, Room 124A 100 Morrissey Blvd., Boston 888-425-6067 www.umb.edu/pensionaction Help locating pension funds, explaining pension provisions and addressing pension eligibility issues. Free, confidential counseling and assistance. Provides list of specialized attorneys and financial advisors

PRESCRIPTION DRUG ASSISTANCE MED-Project

4096 Piedmont Ave., Unit 544, Oakland, California; 415-706-0160 www.med-project.org Ad on page 29

Pharmacy Outreach ProgramMass. College of Pharmacy and Health Sciences 25 Foster St.,Worcester Help Line (M-F, 8:30am - 5pm): 866-633-1617

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www.mcphs.edu/patient-centers/ pharmacy-outreach-program Provides information on various insurance programs and how to receive free, low-cost or discounted medications from various sources. Offers clinical information from licensed pharmacists, counseling on compliance issues and options for lower cost medications

Prescription Advantage 800-243-4636, press 2 TTY (877) 610-0241 www.800ageinfo.com

Prescription Advantage is a statesponsored prescription drug program for seniors and people with disabilities.

Prescription Advantage provides financial help to lower prescription drug costs. If you have Medicare or other prescription insurance, Prescription Advantage helps to fill gaps in coverage.

189 May St., Worcester 508-791-6351; Fairlawnrehab.org Ad on page 29

REHABILITATION & SKILLED NURSING SERVICES Fairlawn Rehabilitation Hospital

(an affiliate of Encompass Health) 189 May St., Worcester 508-791-6351 Fairlawnrehab.org Ad on page 29

Notre Dame Health Care

REAL ESTATE SERVICES RE/MAX Advantage I

25 Union St., 4th Fl., Dudley 774-239-2937 www.joannsoldmyhouse.com Ad on page 24

Sell Mom's House

157 Cullinane Dr., Marlborough 508-877-6500 Ad on page 13

REHABILTATION HOSPITALS Fairlawn Rehabilitation Hospital (an affiliate of Encompass Health)

555-559 Plantation St., Worcester 508-852-3011 www.notredamehealthcare.org Ad on page 14

St. Mary Healthcare 39 Queen St., Worcester 508-753-4791 www.stmaryhc.com Ad on page 7

REST HOMES Goddard Homestead

1199 Main Street, Worcester 508-753-4890 www.goddardhomestead.org Ad on page 37

REVERSE MORTGAGES Central One Federal Credit Union

714 Main St., Shrewsbury 508-841-0688 www.centralfcu.com Ad on page 7

Helping Hands Community Partners, Inc. (Direct Finance) 40 Accord Park Drive, Suite 208, Norwell 781-878-5626 www.hhcp.org Ad on page 17

TRANSPORTATION American Cancer Society of Massachusetts 800-227-2345 www.cancer.org

Provides transportation to and from treatment for people who have cancer who do not have a ride or are unable to drive themselves. Volunteer drivers donate their time and the use of their cars so that patients can receive the life-saving treatments they need. To learn about volunteer opportunities in your area with the Road to Recovery program.

Framingham Public Transportation - The Lift

Memorial Bldg., Room. B14 150 Concord Street, Framingham 508-620-4852 www.framingham.com/townhall/lift/ routes. Discounted fares are offered

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to the elderly and disabled.

Gardner Athol Area Mental Health Association (GAAMHA) Transit 208 Coleman St.; Gardner 978-632-0934 www.gaamha.com/transportation

Serves Gardner, Fitchburg, Leominster, Athol, Orange, Winchendon, Ashburnham, Westminster, Templeton, Hubbardston, Lunenburg, Rutland and Barre. Door-to-door service for physically challenged elders

Gardner Community Action Committee 294 Pleasant St., Gardner 978-632-8700 Medical transportation throughout Northwest Worcester County

MA.Gov

www.mass.gov/service-details/gethelp-finding-a-ride A list of transportation services available across Massachusetts for seniors, people with disabilities, veterans, commuters, and others.

Merrimack Valley Regional Transit Authority (MVRTA) 85 Railroad Ave., Haverhill 978-469-6878 www.mvrta.com

Serves the northeast corner of Massachusetts with over 1 million miles of scheduled bus routes, and elderly and disabled transportation.

MetroWest Regional Transit Authority (MWRTA) 15 Blandin Ave., Framingham 508-935-2222

Dial a Ride: 508-820-4650 TTY: 508-935-2242 www.mwrta.com

can provide a ride and they can give minimal assistance getting into and out of a car and into the medical facility.

Serving: (Central): Framingham & Natick; (West): Marlborough & Southborough; (South): Holliston, Hopkinton, Ashland & Sherborn; (North): Sudbury, Wayland & Weston

The RIDE, MBTA

Montachusett Regional Transit Authority (MRTA)

Paratransit program provides door-todoor transportation to those with physical, cognitive or mental disabilities.

Services Boston and towns located in Metrowest, North Shore and South Shore

1427R Water St. Fitchburg 978-345-7711 TTY: (800) 789-0577 www.mrta.us

Serves the north-central part of Massachusetts including Ayer, Fitchburg, Sterling, Winchendon

SCM Elderbus

124 Southbridge Road, Charlton 800-321-0243 www.scmelderbus.org SCM Elderbus provides transportation services to twenty-two communities in central Massachusetts . All residents age sixty and over, as well as residents with disabilities, are eligible for the service.

Springwell Volunteer Medical Escorts

307 Waverley Oaks Road, Ste. 205, Waltham 617-926-4100 TTY: 617-923-1562 https://springwell.com/service/ medical-escort/ provide seniors with an escort to medical appointments within Belmont, Brookline, Needham, Waltham, Watertown, Wellesley, Weston, surrounding towns and Boston hospitals. Medical Escorts wait during the appointment (up to 1.5 hours) and provide accompaniment home, providing transport and companionship. Medical Escorts

800-533-6282 TTY: 617-222-5415 www.jv-theride.com

South Shore Courtesy Coach 55 Fogg Road S. Weymouth 781-624-4350

The Courtesy Shuttle provides transportation to patients who need a ride to an appointment at South Shore Hospital or to a program or service directly affiliated with South Shore Hospital.

The Courtesy Coach does not deliver patients to physician offices.

Worcester Regional Transit Authority (WRTA) 60 Foster Street Worcester 508-791-WRTA (9782) www.therta.com

Provides curb-to-curb service for individuals 60 and older: medical appointments, grocery shopping; ADA for handicapped individuals who cannot take public bus) Serves Central and North Worcester Country. Provides out of town medical transportation and escorts to visually challenged elders

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VETERANS Boston Veterans Medical Center

150 S. Huntington Ave. Jamaica Plain; 617-232-9500 www.boston.va.gov

Christopher Heights of Marlborough

99 Pleasant St., Marlborough 508-449-6301 www.christopherheights.com Ad on page 8

Disabled American Veterans

VA Regional Office JFK Fed Bldg, Government Ctr. Boston (617) 303-5675 www.dav.org

Massachusetts Department of Veterans Services Executive Office for Administration and Finance 600 Washington St., Suite 1100, Boston

617-727-3578, ext. 101 https://www.mass.gov/orgs/ massachusetts-department-ofveterans-services The mission of the Department of Veterans’ Services is to advocate on behalf of all the Commonwealth’s veterans and provide them with quality support services and to direct an emergency financial assistance program for those veterans and their dependents who are in need.

RE/MAX Advantage I

25 Union St., 4th Fl., Dudley 774-239-2937 www.joannsoldmyhouse.com/ Ad on page 24

VA Boston Healthcare System www.boston.va.gov Brockton Division 940 Belmont Street, Brockton 508-583-4500 800-865-3384

Jamaica Plain Division 150 S. Huntington Avenue Boston, MA 02130 617-232-9500

800-865-3384 West Roxbury Division 1400 VFW Parkway West Roxbury, MA 02132 617-323-7700 800-865-3384 VA Boston Healthcare System's consolidated facility consists of the Jamaica Plain campus, located in the heart of Boston's Longwood Medical Community; the West Roxbury campus, located on the Dedham line; and the Brockton campus, located 20 miles south of Boston in the City of Brockton.

U.S. Veterans Administration

Regional Office, JFK Federal Bldg.

Room 1575E, Boston 800-827-1000 www.va.gov

Veterans Crisis Line 1-800-273-8255

2020 ~ 2021

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