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Keys to Living A Practical Guide for Living a Long Life in Key Largo • Tavernier • Islamorada

by Karen Beal and Diane Marshall Photo by Rob O’Neal

KEYS TO LIVING A PRACTICAL GUIDE TO LIVING A LONG LIFE IN KEY LARGO • TAVERNIER • ISLAMORADA

BY KAREN BEAL AND

DIANE MARSHALL

2015 EDITION EBOOK AVAILABLE AT

www.floridakeysliving.org

ISBN 9781502430311

COPYRIGHT ÂŠ 2015 BY KAREN BEAL & DIANE MARSHALL All rights reserved. No part of this book may be reproduced or transmitted in any form by any means, electronic or mechanical, including photocopying and recording, or by any information storage and retrieval system, except as may be expressly permitted by the 1976 Copyright Act or by the publisher. Requests for permission should be made in writing to Keys to Living, P.O. Box 372569, Key Largo, FL 33037.

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TABLE OF CONTENTS ACKNOWLEDGMENTS ........................................................1 DISCLAIMER ..........................................................................1 INTRODUCTION ....................................................................2 HOW TO USE OUR PRINT AND DIGITAL BOOKS .........3 PLANNING AHEAD................................................................ 4 PART I The Basics Health .....................................................................................8 Finding Medical Facilitiesâ&#x20AC;&#x201D;Hospitals .............................9 Getting Medical Care ......................................................13 Pharmacy Services ..........................................................18 Physicians and Healthcare Professionals ........................23 Preventive Healthcare .....................................................32 Healthcare for Veterans ...................................................38 Wealth ..................................................................................42 Banking ...........................................................................42 Financial Planning ..........................................................47 Financial Fraud ...............................................................50 Home and Car Insurance Resources ...............................56 Home and Car Insurance Providers ................................59 Legal ...............................................................................62 Taxes ...............................................................................68 Services ................................................................................70 City, County, State and Federal Agencies .......................70 Consumer Advocacy .......................................................81 Domestic Abuse ..............................................................82 Emergency ......................................................................84 Hurricane Evacuation and Safety ...................................87 Utilities and Municipal Services .....................................89 Keys to Living

PART II Staying Connected Community Engagement .....................................................92 Media ..............................................................................92 Politics ............................................................................96 Service and Social Clubs ................................................99 Volunteering ..................................................................108 Working After Retirement ............................................118 Living the Good Life .........................................................120 Entertainment and Dining .............................................120 Exercise and Fitness .....................................................126 Faith ..............................................................................130 Internet and Computers ................................................131 Life-Long Learning ......................................................135 Pets ................................................................................138 Recreation .....................................................................142 Parks窶年ational, State, County and Community .........146 Transportation ...............................................................153 PART III Residential Choices Home Sweet Home ............................................................159 Housing Choices ...........................................................159 How to Age in Place .....................................................160 Relocating .....................................................................163 Senior and Special Needs Housing Choices .................164

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PART IV When You Need More Special Needs Care ............................................................170 Adult Day and Residential Care ...................................170 Caregiving and In-Home Care ......................................174 Healthcare Advocates/Geriatric Care Management .....180 Long-Term Care ............................................................182 Maintaining Good Health ..................................................184 Nutrition ........................................................................184 Safety and Security .......................................................186 Special Health Needs: Vision and Hearing ...................187 When You Need A Helping Hand ......................................190 Getting the Help You Need ...........................................190 Veteransâ&#x20AC;&#x2122; Services .........................................................196 End-of-Life Necessities .....................................................198 Last Wishes ...................................................................198 End-of-Life Care ..........................................................199 Final Arrangements .......................................................201 Salute to Military and Veterans .....................................206 Household and Estate Liquidation ................................207 PART V Appendix My Notes ......................................................................210 Resources ......................................................................212 Index .............................................................................218

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Dedicated to future caregivers and in memory of our parents.

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ACKNOWLEDGMENTS None of this would have been possible without the help of dozens of people: Sue Beal at Island Information Services; Kathy Gong, a clinical social worker and director of Senior Moments in Key Largo; Edith Zewadski-Bricker at Monroe County Community Support Services; Pam Martin, the president of the Upper Keys A.A.R.P., a SHINE volunteer and an advocate for many senior programs in the Upper Keys; Jim Anderson, a Family Intervention Specialist; Christina Clark at Monroe County Health Department; Michelle Gilliland at Monroe County Community Support Services; Paulette Sullivan at the Key Largo Branch of the Monroe County Library; Lindi Mallison and Monika Graves, advocates who provided support and marketing oversight; our families and friends who offered advice and wisdom. We thank Rob Oâ&#x20AC;&#x2122;Neal, a Key West photographer, for our cover photo taken at Bay Harbor Lodge in Key Largo. We thank Beth Klobuchar-Oliver for helping us create our website and see beyond the horizon. We cannot overstate the importance of their contributions. Any errors in the entries in this book should not be attributed to them. Lastly, we thank our husbands for their support and encouragement.

DISCLAIMER Keys to Living was written as a new informational service to help families, seniors and caregivers find meaningful and helpful information and services.

websites, phone numbers and policies change from time to time. Therefore, we encourage you to use the information and resources in the book as a springboard

Listing here is not intended to endorse any organization or service. Neither does the book imply that these are the best or only resources. While we made every effort to

for your own research. We do not assume and hereby disclaim any liability to any party for any loss, damage or disruption caused by errors or omissions, whether such errors

provide accurate information, please remember that services, details, goods,

or omissions result from negligence, accident or any other cause.

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INTRODUCTION We are excited about this project, because we believe that our community has long needed a book like this. It was written to help you—families, individuals and seniors—live a long, fulfilled life in the Florida Keys, just as we have. The story of how we decided to write this 220-plus-page book follows a two-year circuitous journey. After helping our elderly loved ones and working with local seniors, we saw the need for a pamphlet to improve the lives of seniors in the Keys. To benefit the most seniors, we wanted to give the book away. The Keys community has given to us, so we wanted to give back to the community. Combined, we have lived here nearly 70 years. During that time, we have worked, played, pursued education and volunteered with many community organizations. It has been nearly 70 years of minimal frustration and abundant joy. The book’s original name was Keys to Aging, reflecting a senior audience. But when we asked the question: “Are there enough services, resources and facilities to support the social, health, safety and financial needs of seniors?” we received an unexpected answer from professionals at agencies, organizations and companies. Yes, there were plenty of

resources for seniors, but also we were pleasantly surprised to find valuable services, enthusiastic staffs, wellmanaged programs and providers who could help anyone of any age. The professionals we interviewed wanted a copy of the book, because there was no book with such comprehensive information about living in the Keys. That is when we realized that everyone who lives here needs a practical guide that answers everyday living questions such as: How do I vote? What organizations seek volunteers? What do our libraries offer? How do I connect to the Internet and stay safe? And when times are tough: Where can I turn for help? What do I do if there’s a death in my family? How can I help my mom, who can no longer take care of herself? What services can help a senior who wants to remain independent? Use Keys to Living whenever you need practical solutions to medical, financial and transportation needs as well as information on security, learning, socializing and volunteering. We also hope our seniors—and their families miles away—will find peace of mind with the sections that will help them age in place comfortably and safely. Diane and Karen

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HOW TO USE OUR PRINT AND DIGITAL BOOKS Keys to Living is your convenient onestop resource for making informed decisions about living in the Upper Keys. Use it when you have questions about healthcare, safety, socializing, resources and legal and professional services. Get the most out of Keys To Living by getting to know it. First, peruse the entire book. Then go to the Take Action– Do It Now list to help you prepare for the future. After that, use the book whenever you have a question. The print and digital guides are divided into four sections: The Basics, Living the Good Life, Residential Choices and When You Need More. Within these sections are categories. Each category has relevant entries with contact and website information for companies, agencies and organizations. To search the print edition, use the Table of Contents to find general areas of interest, such as Health and Wealth. Use the Index for more specific searches, such as Hospitals and Banks. Our digital eBook is formatted as a PDF. To search it, you still can use the Table of Contents and Index, but you can also use your PDF app’s search feature for faster results. Websites in the PDF are active. Click the link to visit the site.

“What You Need to Know” boxes cover useful topics in detail, such as what to expect when you go to the emergency room. Icons in the book point you towards areas of special interest.

Take Action—Do It Now!

Don’t Miss This Tip

Veterans—Those Who Served At the back of the guide you will find My Notes, Resources and an Index to help you find information quickly and make notes on services you use often or want to research later. For reference purposes the zip code for Key Largo is 33037, Tavernier is 33070, Islamorada is 33036 and Marathon is 33050. Street numbers correspond to mile markers on the Overseas Highway. If a business is not on the Overseas Highway, we give the mile marker reference. Keys to Living is available online to share and for free download as a PDF file at www.floridakeysliving.org, where you also will find updates and forums.

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PLANNING AHEAD “Planning is bringing the future into the present so that you can do something about it now.” Alan Lakein Proper planning helps fulfill your long-term legal, health, financial and end-of-life goals. It answers such questions as: Will I have enough money to send my kids to college? Who will take care of my family if something happens to me? How can I plan for my retirement? My mom can’t take care of herself. How can I help? Who will inherit my property? Will I be able to afford care if I become ill? What will happen to me when I die? The best answers are found when stress and emotions do not factor into the process. Planning also eliminates guesswork. It provides a path for meeting your goals. It expresses your wishes to others. It gives you time to work through the complex legal and financial issues that are involved in: funding college and retirement, deciding on inheritance, designating personal representatives and choosing long-term care and end-of-life needs. By becoming proactive, you will be able to make the right decisions in the face of challenge and adversity. Effective plans are revised and updated regularly as your life evolves. Fortunately, planning ahead for yourself and the ones you love is easier than you think. This book contains information and resources to help. This Planning Ahead page addresses areas of your life where pre-planning is especially important. It directs you to special sections in the book called “Do It Now.” These are actions you should take now, before you need the services. Look for the clock icons throughout the book.

Getting Your Affairs in Order

Hurricane Evacuation Registry

Financial Planning

Enhanced 9-1-1 Details

Credit Reports

Preplanning Final Arrangements

197

Preventing Solicitations

Documents Your Heirs Will Need

203

Insurance Checkup for Savings

Veterans’ Documents You Will Need 205

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ADVERTISE WITH KEYS TO LIVING Interested in placing an advertisement on our website or in a future printing of Keys to Living? Contact us at KeysToLiving.flkeys@gmail.com Find more information at www.floridakeysliving.org

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Part I

The Basics HEALTH HOSPITALS MEDICAL CARE/MEDICARE/MEDICAID PHARMACY SERVICES PHYSICIANS/HEALTHCARE PROS PREVENTION • VETERANS

WEALTH BANKING • FINANCIAL PLANNING FINANCIAL FRAUD • INSURANCE LEGAL • TAXES

SERVICES CITY/COUNTY/STATE/FEDERAL AGENCIES CONSUMER ADVOCACY • DOMESTIC ABUSE EMERGENCY HURRICANES/SAFETY• UTILITIES Keys to Living

HEALTH Everyone wants good health. The resources in this section provide information on attaining and maintaining good health and getting medical care. Start by being proactive, rather than reactive. Monitor your health. Schedule an annual visit with your physician and dentist. Get an eye exam. Have your hearing tested. Catching problems early can save time, money and even your life. Stay current on your vaccinations. The Center for Disease Control and Prevention recommends that everyone over six months old get vaccinated annually against seasonal flu, especially if you are over sixty years old or have a chronic health condition. A onetime pneumonia vaccine is recommended for those over sixty-five years old. Adults sixty years and older also should get a one-time shingles vaccination. Ask your physician if you are up to date on your tetanus, diphtheria and pertussis (TDAP) vaccinations. Get plenty of sleep. Healthfinder.gov recommends that most adults need seven to eight hours of sleep a night to keep their minds and bodies healthy. Personal hygiene is important. Wash your hands frequently to decrease your chance of catching the flu as well as other illnesses. Attend to your oral hygiene. Increasingly, research indicates that dental health is critical to staying healthy. Poor dental hygiene affects your heart, liver and kidneys. The Keysâ&#x20AC;&#x2122; temperate weather and variety of facilities allow you to exercise yearround at little or no cost. Exercise regularly. Exercise strengthens muscles and bones, which can reduce falls, sprains, strains and muscular injuries. Check with your doctor before beginning an exercise program to confirm that you are healthy enough to exercise. Stretch before moderate activity. Even common activities such as sweeping the front porch, cutting the grass, trimming branches and hanging holiday decorations can lead to pulled muscles. The American Academy of Orthopedic Surgeons recommends that you warm up with ten minutes of stretching and light exercise before engaging in moderate to strenuous activity. When stooping, always bend at your knees rather than your waist.

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Finding Medical Facilities Where we live matters to our health. Studies show that sufficient availability of primary care physicians is essential for improved health outcomes. We are fortunate in the Keys. A Robert Wood Johnson Foundation’s “County Health Rankings & Roadmaps” study shows a high ratio of primary care physicians (specializing in general practice medicine, family medicine, internal medicine and pediatrics) to residents. We are fortunate to have three hospitals in Monroe County, one each in the Upper, Middle and Lower Keys, as well as a hospital in nearby Homestead and numerous hospitals, including a Veterans Hospital, in Miami, giving us easy access to medical care.

Hospitals Baptist Health South Florida Mariners Hospital

The hospital is part of Baptist Health South Florida, the region’s largest nonprofit healthcare organization, which includes: Baptist Hospital of Miami, South

(305) 434-3000 91500 Overseas Hwy. Tavernier www.baptisthealth.net In addition to 25 patient beds, emergency services are available 24/7, along with air transport for trauma conditions. Mariners Hospital also houses an Intensive Care Unit, a renowned hyperbaric medicine department and the only Diabetes Care Center in the Keys. On the property is the Tassell Medical Arts Building, which houses diagnostics, chemotherapy services, doctors’ offices, cardio and pulmonary rehab, physical therapy and an exercise facility with personal training, classes, cardiovascular machines and weight equipment.

Miami Hospital, Miami Cardiac and Vascular Institute, Baptist Children’s Hospital, Doctors Hospital, Homestead Hospital and West Kendall Baptist Hospital.

Fishermen’s Hospital (305) 743-5533 3301 Overseas Hwy., MM 48.7 Marathon www.fishermenshospital.org Fishermen’s Hospital provides Emergency Services for urgent healthcare 24/7. Professionals deliver care using state-ofthe-art equipment and technology. Their new KCB Convenient Care Center provides quick, no-appointment care for minor injuries and illnesses.

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Fishermen’s Hospital KCB Convenient Care Center (305) 735-4107 306 Sadowski Cswy., MM 52 Key Colony Beach www.fishermenshospital.org Patients receive professional medical care for minor injuries and illnesses without an appointment at this new urgent-care facility operated by Fishermen’s Hospital. It is open from 9 a.m. to 5 p.m.

Homestead Hospital (786) 243-8000 975 Baptist Way (Campbell Drive and S.W. 147 Ave.) Homestead www.baptisthealth.net As part of Baptist Health South Florida,

this full-service, 142-bed facility has medical-surgical and critical care units, outpatient diagnostics, emergency care, physical and speech therapy and a sleep diagnostic center.

Lower Keys Medical Center (305) 294-5531 5900 College Rd. Key West www.lkmc.com This facility is a 167-bed, full-service, acute-care medical facility with a 24/7 emergency room, 24/7 radiology services and a medical transport helicopter. The hospital is a partner with Mount Sinai Medical Center in Miami Beach for cardiac service and advanced care.

People Caring for People Our caring people — the heart and soul of Mariners Hospital — consistently exceed national averages in patient satisfaction and quality of care. We proudly offer a full range of inpatient and outpatient surgeries and services. For information, call 305-434-3000.

Visit BaptistHealth.net/Mariners

A not-for-profit organization supported by philanthropy and committed to our faith-based charitable mission of medical excellence

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What You Need to Know… about accompanying a patient for a hospital stay When someone you are caring for requires a hospital stay on the mainland, you should ask as soon as the appointment is scheduled if the hospital works with a nearby hotel that offers reduced rates to family members or caregivers of patients. Another choice might be to sleep in the patient’s private room. You could go home, but you may be needed for consultation or to keep the patient more comfortable, so plan ahead. If the patient uses a CPAP to sleep, bring it. The patient may need it in recovery and most certainly in the room at night. The pre-op staff can hold this cumbersome item and deliver it to post-op. Pack any special toiletries, earplugs, dentures and other items that might be needed. Give the patient’s bag to pre-op to hold. These are returned when the patient leaves the recovery room. However, keep the patient’s cell phone, hearing aids, wallet and valuables with you. To keep yourself comfortable, carry a bag with you that includes snacks, a bottle of water, sweater, your mobile phone charger, a book and toothbrush to freshen up. Hospitals are usually chilly, so wear shoes and socks rather than sandals. If you take medications, bring them with you. Note that even private hospital rooms are small; after all, they are geared for the patient’s care and not your comfort. Keep nonessential items, such as chargers for hearing aids, in the trunk of your car until you need them. You or a valet attendant can retrieve your car to access items when necessary. Parking and valet car retrieval are free at many hospitals. Also pack, but leave in the car until needed, a light sweatsuit for pajamas, in case you stay in the patient’s room. Pack earplugs and a pair of socks to wear while sleeping. Consider packing comfort items like a ready-todrink Frappuccino coffee for the morning or your favorite tea bags and a snack bar. Some hospitals allow you to order meals for a reasonable charge if you want to stay with the patient. All hospitals have a cafeteria, though hours vary.

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Hospital Rating Websites Hospital Safety Score www.hospitalsafetyscore.org Search the “How Safe Is Your Local Hospital” database on the website.

Healthcare www.medicare.gov Follow the “Find Hospitals” link.

Leap Frog Group www.leapfroggroup.org View the “Compare Hospitals Now” link.

What You Need to Know... when you go to the emergency room If you go to the hospital and need to stay overnight, how you are processed can make a big difference in the price you will pay and the post-hospital services you will receive. For the fullest coverage make sure you are “Admitted” to the hospital and not taken in for “Observation.” When “Admitted,” a nursing home or assisted-care facility can be included in your medical care plan if you need it later. If you are in for “Observation,” your medical care plan may be limited.

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Getting Medical Care & Medicaid/Medicare Most of us want to live a long, comfortable life. Good health is the first step towards that goal. Along with a good diet, exercise and adequate sleep, getting the medical care you need is the most effective way to attain and maintain good health. The new Patient Protection and Affordable Care Act, aka Obama Care, provides all Americans access to affordable health insurance and new medical benefits and rights. Go to www.healthcare.gov for details. Seniors and individuals on a limited budget can take advantage of two federal healthcare programs, Medicare and Medicaid. You must meet separate eligibility requirements for each. For special needs medical and end-of-life care, see Part IV: When You Need More.

Medicare Medicare was created to help older citizens deal with the high medical costs that they face relative to the rest of the population. It is not a financial need-based

Medicare Part A is hospital insurance. It provides basic coverage for hospital stays, post-hospital nursing facilities and home healthcare.

program. It is an entitlement program that you and or your spouse paid for through Social Security taxes. Medicare covers almost everyone 65 years or older, some individuals on Social

Medicare Part B is medical insurance. It covers most of your lab and basic doctor fees, as well as some outpatient medical services, such as physical therapy, medical equipment and

Security disability and some individuals with qualifying chronic conditions. Regardless of where you live, the rules and eligibility requirements are the same throughout the country.

supplies and home healthcare. Medicare recipients pay a yearly deductible for both Medicare Part A and Part B. Medicare Part B also charges a monthly premium. Unless you have other

To avoid penalties, you should apply for Medicare three months before your 65th birthday. You may apply for Medicaid at any age if you meet the requirements for medical support.

insurance, you may be responsible for hefty copayments if you have an extended hospital stay, because Medicare Part B only covers 80 percent of the doctorâ&#x20AC;&#x2122;s fees. If you have other insuranceâ&#x20AC;&#x201D;usually called Supplemental Insurance (see

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Medical Insurance)â&#x20AC;&#x201D;from a job, previous job, spouse or purchased, it can pay costs not covered by Medicare Part A and Part B. Medicare Part C, also called Medicare Advantage Plan, is a Medicare health plan offered by a Medicareapproved private company that provides you with all your Part A and Part B benefits. These include HMOs, PPOs and private plans. Most also offer Medicare Advantage Prescription Drug Plans. Medicare Part D is prescription drug coverage. It pays some of the costs of your medications. The coverage also requires a monthly premium, deductible and copayments. In addition, you are responsible for all your prescription drug costs over a certain yearly amount (up to a ceiling amount) unless you qualify for a low-income subsidy.

Medicaid Medicaid, a social insurance program, was developed to assist low-income residents with medical costs. Although set up by the federal government, it is administered differently in each state. It provides comprehensive healthcare and services. If you qualify for both Medicare and Medicaid, Medicaid will pay for most Medicare Part A and B premiums, deductibles and copayments.

Medicaid/Medicare Resources Benefits Checkup/Extra Help www.benefitscheckup.org The website walks you through applications for the Medicare Extra Help program. Depending on your income and resources, you may be able to get help paying for monthly premiums, deductibles

If you have Medicare, you qualify for Part D. To receive Medicare drug coverage, you must join a drug plan run by an insurance company or other private

and the cost of some medications.

company approved by Medicare. The plans vary in cost and drugs covered. If you decide not to join a Medicare Prescription Drug Plan when you are first eligible and you do not have other

(800) 653-9803 TTY www.myflorida.com/accessflorida This is the first place to look for information or to manage your benefits. Medicaid can provide you with medical

creditable prescription drug coverage or you do not qualify for the Medicare Extra Help program, you will likely pay a permanent late-enrollment penalty.

care and other services if you have limited income and resources. Among the programs are: Medicaid/Spend-Down, an option for seniors if their income is more

Medicaid (866) 762-2237

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than the state’s Medicaid limit. (SpendDown allows you to use money spent on medical expenses to “spend down” to the Medicaid limit so you can receive benefits.) Home and Community-Based Services, a special Medicaid waiver program providing long-term support and services in your home or community. The final program is Long-Term Care, which provides nursing home and institutional care if you have a medical condition that requires the skills of a licensed nurse.

Medicare (800) MEDICARE (633-4227) www.medicare.gov This government site supplies a list of companies that service your zip code area. It currently lists almost two dozen providers for the Upper Keys. The site also offers many educational topics on health and how Medicare works. It is the first place to search for answers to your Medicare questions.

Serving Health Insurance Needs of Elders (SHINE) (800) 963-ELDER (5337) www.floridashine.org This group provides free and unbiased Medicare, Medicaid and other health insurance counseling and information through the Alliance for Aging.

Additional Medical Options Community Health of South Florida (305) 743-0383 91200 Overseas Hwy. Tavernier Towne Center Tavernier www.chisouthfl.org This nonprofit health center addresses primary and urgent care, women’s care, dental, X-rays, mental health and prescription needs. The offices are closed Sunday and Monday. Medicaid and Medicare are accepted.

Rural Health Network Dental Group (305) 735-4218 91555 Overseas Hwy. Tavernier www.rhnmc.org This provider strives to improve the quality of dental services for the working poor, underinsured, uninsured and homeless.

Visiting Nurse Association (305) 852-7887 92001 Overseas Hwy. Tavernier www.vnahospicekeys.org This nonprofit home health and hospice care provider, upon referral by a physician and through a home-health assessment by their skilled professional nurses, will provide home health and/or hospice care for the underinsured, uninsured, poor and homeless.

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Medical Insurance

Fighting Medical Fraud

Dozens of companies sell Medicare Supplemental Insurance (aka Medigap plans) to pay for costs not covered by Medicare Part A and Part B.

Stop Medical Fraud

Here are a few. Before signing up for a plan, contact your physician and hospital to confirm that they accept the plan.

A University of Cincinnati report

American Association of Retired Persons (AARP) (866) 327-1593 (305) 240-9222 www.aarpmedicareplans.com AARP-endorsed Medicare plans have been a solid alternative for Keys residents for many years. Get a quote online or call the Keys office for an appointment.

Blue Cross Blue Shield of Florida (800) 876-2227 www.bcbsfl.com Several plans provide free coverage to Medicare members.

Humana Health Insurance Company of Florida (888) 310-8482 www.humana-medicare.com Enter a zip code to review available plans, including some plans covered by the federal government at no cost to Medicare members who qualify.

(800) 447-8477 (800) MEDICARE (633-4227)

www.StopMedicareFraud.gov estimates, “Medicare and Medicaid fraud cost somewhere in the range of $29.8 billion to $99.4 billion in 2012.” Medicare fraud and abuse include billing Medicare or another insurer for services or items never received; billing Medicare for services or equipment different from what was received; using another person’s Medicare card to get care, supplies or equipment; billing Medicare for home medical equipment after it has been returned. If you think a charge is incorrect and you know the provider, you should call to ask about it. The person you speak to may help you better understand the services or supplies you received or your provider may realize a billing error was made. If after contacting the provider you still suspect that Medicare is being charged for an unauthorized service or supply or you do not recognize the original provider on the claim, you should call or email: htips@os.dhhs.gov. Medicare will allow you to remain anonymous. This service also handles other types of fraud.

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Senior Medicare and Medicaid Patrol Project (866) 357-6677 www.elderaffairs.state.fl.us/index.php

This is a statewide program for Medicare and Medicaid fraud, waste and abuse. It is funded by the Administration on Aging. Services are in English and Spanish.

What You Need to Know… when you go to the doctor’s office Before booking an appointment with a new doctor don’t simply ask if they accept your insurance, instead ask if the office is in network and has a current contract with your insurance provider. It could make a big difference in the way you are billed. Dedicate a small notebook or journal to your healthcare. Write down your questions and concerns before you go to the doctor, then take them with you to your appointment. Review the questions at the end of your discussion with the doctor to be sure you understood the answers. Make notes on the outcome of the visit. This history of your care could prove helpful if you see other doctors later. Discuss your health plan with your physician to ensure you get the right treatment, medication and professional referral without incurring unexpected costs. Take an advocate with you. Call upon a trusted family member or friend to accompany you to the medical appointment to ensure you understand everything. Understand your medications, why the doctor prescribed them, how to take them, how soon they take effect and what side effects they may cause. Ask about less-expensive generics or samples. Pharmacists are often more knowledgeable about prescription drugs than physicians.

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Pharmacy Services You may find it necessary to take prescription drugs. If you do, here are some simple cost-saving—and possibly lifesaving—suggestions to follow. Review medications and supplements (such as vitamins, over-the-counter pain relievers or dietary aids) with your pharmacist and doctor each year. Discuss changes in your life/health/habits and talk about any barriers that might be making it difficult to take what you should, when you should. Memory or scheduling issues, drug interactions or your reactions to medications might be solved easily through discussion. If you start a new medication and notice change, emotional or physical, mention it to your doctor. Your pharmacist might be able to suggest ways to cut your prescription costs by recommending generic or alternative and less-expensive medications. Confirm any changes with your physician. Remember, taking medication as prescribed saves you money in the long run. It is best to use a single-source pharmacy. The pharmacist can give you good advice on how all your medications work together. Having more than one pharmacy filling your needs could lead to interaction problems or a possible overdose. Keep an updated list of your medications and their dosages in your wallet. This could be helpful when filling out paperwork or answering questions at the doctor’s office or if you have an emergency and others need that information. Deciding where to fill your prescriptions and how to pay for them sometimes can be a challenge. In addition to the pharmacies listed below, check with your medical insurer to see if it provides refills by mail or if it has a special-price relationship with a pharmacy. This service is often offered at a reduced cost or with a lower copay on the prescription.

Pharmacies The listed pharmacies offer these basic services: order refills 24/7 online or by phone using your prescription number(s), then pay and pick up during regular

consultation. Some offer additional services and long-distance access for caretakers with healthcare surrogate paperwork. See their websites.

pharmacy hours; flu shots seasonally; pneumonia and shingles immunizations (CDC recommended); and medication

Florida law requires insurance companies to refill medications early for hurricane evacuation.

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CVS Pharmacy (305) 451-3261 99434 Overseas Hwy. Key Largo

Publix (305) 451-5338 101437 Overseas Hwy. Tradewinds Plaza

(305) 852-7940 91410 Overseas Hwy. Tavernier (305) 664-2576 82894 Overseas Hwy.

Key Largo www.publix.com It offers a variety of free prescriptions: select antibiotics, amlodipine, metformin for diabetes and the ACE inhibitor

Islamorada www.cvs.com This pharmacy provides ReadyFill Service to keep your monthly refills on track using a phone prompt when meds

lisinopril. (The list of medications may change.) There is no income requirement or form to fill out. Health screenings (some fees) include checks on diabetes, cholesterol and blood pressure. The

are ready to pick up. Online services include Rapid Refill to order your meds, a Drug Interaction Checker and a Pill Identifier that will match the shape and color to the name of each drug.

Diabetes Management System helps you manage your diabetes by providing free medication, counseling and resources.

Kmart (305) 453-9787 101499 Overseas Hwy. Tradewinds Plaza Key Largo

99501 Overseas Hwy. Key Largo www.walgreens.com Chat with Walgreenâ&#x20AC;&#x2122;s pharmacy professionals in person or online. The

www.kmart.com The Prescription Savings Club reduces the cost of name-brand and generic medications, immunizations and pet medications. Prescription Home Delivery

Prescription Savings Club can save you money on copays. Free shipping. There is no income requirement. It offers specialty medicines such as IV infusions and injections for chronic conditions,

service lets you order online and receive your prescriptions by mail anywhere in the U.S. at no additional charge.

caregiver support, text messages, phone and email reminders, drive-through service and large-print labels.

Walgreens (305) 451-4385

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Winn-Dixie

Pharmaceutical Assistance

(305) 451-3591

Extra Help Program Medicare Prescription Assistance

105300 Overseas Hwy. Key Largo (305) 852-5069 92100 Overseas Hwy. Tavernier Towne Center

(800) 772-1213

Tavernier www.winndixie.com Pharmacists here provide free wellness screenings of cholesterol and glucose every three months. Talk to the pharmacy team. The free Winn-Dixie Pharmacy mobile phone and tablet App lets you manage prescriptions on the go. Customers can join the Winn-Dixie Prescription Plan, which offers many 30and 90-day generics for $10 or less and free prescriptions of some antibiotics.

www.socialsecurity.gov/extrahelp www.medicare.gov/contacts www.ssa.gov/i1020apply www.mymedicarematters.org Seniors with limited income who receive Medicare Part D drug coverage may qualify for â&#x20AC;&#x153;Extra Helpâ&#x20AC;? from the Medicare Part D Low-Income Subsidy program. It assists with Part D premiums, deductibles and prescription copayments. The amount of assistance depends on your income and resources. Seniors who already receive Medicaid, SSI or a Medicare Savings Program (except QDWI) automatically receive this benefit.

Notes: ___________________________________________________________ ___________________________________________________________ ___________________________________________________________ ___________________________________________________________ ___________________________________________________________ ___________________________________________________________ ___________________________________________________________ ___________________________________________________________ ___________________________________________________________ ___________________________________________________________ ___________________________________________________________ __________________________________________________________ 20

Keys to Living

Free Drug Card (877) 321-6755 www.freedrugcard.us This free prescription program, sponsored by a nonprofit organization, can save you up to 75 percent at national and local pharmacies if you have no drug plan or your plan does not cover specific drugs. There are no enrollment forms, fees or age or income restrictions. The website also has a Pharmacy Locator and a useful Medication Pricing tool. Print your card or add it to your smart phone to use immediately.

provide free or discounted medicine to people who are unable to afford them. This site is a clearinghouse for PAPs; its services are offered at no cost. Each program has its own qualifying criteria. Programs for medical devices and service animals for people with disabilities are also available on the site.

Patient Advocate Foundation Co-Pay Relief Program

Needy Meds

(866) 512-3861 option 1 www.copays.org This nonprofit provides free direct financial assistance to insured patients with copayments for co-insurance and

Needymeds.org NeedyMeds is an online resource to many programs that provide assistance to people

deductibles for medications. Medicare Part D beneficiaries also qualify. You can apply online.

who are unable to afford their medications and healthcare costs. Each referenced program can be accessed from the links on the website. There is no need to register or enter any personal data. Needymeds is a resource; it does not directly supply medicine or financial assistance.

Partnership for Prescription Assistance (888) 477-2669 www.pparx.org/en/gethelp Patient Assistance Programs (PAPs) were created by pharmaceutical companies to

RxAssist www.rxassist.org Physicians and patients can explore options for ways to save money on prescription medications on this patient assistance programâ&#x20AC;&#x2122;s website. Use the appropriate portal (medical professional or consumer) to access the PAP serviceâ&#x20AC;&#x2122;s comprehensive directory of free- and lowcost prescription drug programs and to learn about low-cost healthcare providers. You also can search for programs by drug or company name.

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Psychotherapist with over 22 year

Atlanticsportcare.com • Flexible business hours Monday through Friday • Saturday hours by appointment

in practice in Islamorada

• We accept Medicare, Worker's Compensation, most private ins. plans

• Bilingual staff

• Individualized, hands-on treatment approach

• Kristine Raab, DPT, ATC 11 years in Orthopedics

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• Post-Traumatic Stress • Anxiety and Depression • Relationship Issues • Life Coaching Increasing physical health • Nutritional counseling

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Psychological strategies • Preventing chronic disease

Atlantic Sportcare Physical Therapy 100210 Overseas Hwy. (Mile Marker 100 Bayside) Key Largo, FL 33037

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MM 75 Islamorada, Florida

305.393.3600 Many%insurances%accepted:%Medicare,%Blue%Cross%and%Blue Shield,% United%Healthcare,%Aetna,%Tricare,%Mul;plan%and%others

Physicians and Healthcare Professionals Residents of the Keys have many choices for care. Our region—Monroe and MiamiDade counties—ranks high for medical services due to its numerous (more than a dozen) major hospitals, high number of primary care physicians, diversity of its physician specialties and variety of types of medical professionals (including doctors, physician assistants, nurse practitioners, nurses, midwives, dentists and physical therapists). Check with your insurance company first to be sure the doctor you select is in network and has a current contract. If he or she is not, you should ask the insurance company to contact the doctor and request that they join the plan.

Healthcare Referrals

Healthcare Professionals

Upper Keys

Audiology

Mariners Hospital

Charles Kosove, M.D. (305) 451-5455 103400 Overseas Hwy. Key Largo

(800) 228-6557 referral@baptisthealth.net www.baptisthealth.net This service gives free, confidential referral to a physician at Mariners Hospital or other Baptist Health South Florida facility. Email the service or search the website at any time. Call on weekdays only, 8:30 a.m. to 5 p.m.

Nathan Trigoboff, Hearing Aid Specialist (954) 597-9922 (305) 451-1481 99696 Overseas Hwy., Ste. 241 Key Largo

Cardiology Middle Keys Fishermen’s Hospital (305) 743-5533

www.fishermenshospital.org Get a free referral to a physician in the Fishermen’s Hospital system by calling the hospital.

Fishermen’s Cardiology (305) 743-2733 8151 Overseas Hwy., MM 52 Marathon Bruce Boros, M.D. Joan Homan, M.D. Roger Seinfeld, M.D.

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Madhavi Gunda, M.D. (305) 853-7171 81888 Overseas Hwy. Islamorada

Kenneth Grossman, D.D.S. (305) 451-1251 99105 Overseas Hwy. Key Largo

Abraham Wolfenzon, M.D.

Norys Hayes, D.M.D. (305) 453-9105 103400 Overseas Hwy. Pink Plaza

(305) 852-5665 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier

Key Largo

Dental

Janis Jeffers, D.M.D. (305) 664-4282 81990 Overseas Hwy., Ste. 103

Travis Bennett, D.M.D. (305) 451-2616 102965 Overseas Hwy. Key Largo

Islamorada Professional Building Islamorada

Paul Berger, D.D.S. (305) 453-1811 103400 Overseas Hwy., Ste. 29 Key Largo Paul Bernstein, D.D.S. (305) 852-5088 90290 Overseas Hwy. Turek Building Tavernier Florida Keys Dentists Osmani Diaz, D.D.S. Robert Wagner, D.M.D. (305) 852-3219 91750 Overseas Hwy. Tavernier

Key Largo Dental Associates Amalia Cunha, D.D.S. Jerry Layne, D.D.S. Paul Palasky, D.D.S. (305) 451-3204 99198 Overseas Hwy. Key Largo Brian Tschirhart, D.D.S. (305) 367-3128 31 Ocean Reef Drive Key Largo Thomas Walsh, D.D.S. (305) 451-8005 99696 Overseas Hwy. Key Largo

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Dermatology Susana Leal-Khouri, M.D. Javier Flores, M.D. (305) 361-8200 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier Deborah Mendoza, P.A.-C. Martin Schiff, M.D. (305) 664-0700 82245 Overseas Hwy. Islamorada (305) 289-0044 10085 Overseas Hwy. Marathon Darel Pruett, D.O. (305) 664-8828 82883 Overseas Hwy. Islamorada

Ear/Nose/Throat Steven M. Fletcher, M.D. (305) 245-5881 925 N.E. 30th Terr., Ste. 214 Homestead

Family Medicine also see: Internal Medicine Steven Lawyer, D.O. (305) 451-1734 100460 Overseas Hwy. Key Largo

Brian P. Magrane, M.D. Eileen M. Turbessi, M.D. (305) 853-5214 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier Susana May, M.D. (305) 852-8670 103400 Overseas Hwy., Ste. 241 Key Largo Charles Nieditz, M.D. (305) 434-1205 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier John Oâ&#x20AC;&#x2122;Connor, M.D. (305) 743-9436 13365 Overseas Hwy. Marathon Russell Robinson, M.D. Community Health of South Florida Tavernier Health Center (305) 743-0383 91200 Overseas Hwy. Tavernier Towne Center Tavernier Ronald Samess, M.D. (305) 743-2253 5701 Overseas Hwy. Marathon

Keys to Living

Gastroenterology

Internal Medicine

Neal E. Rakov, M.D.

Joanne F. Mahoney, M.D.

(305) 852-9400 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier

(305) 852-7417 95360 Overseas Hwy. Key Largo Emma Stoll, M.D. (305) 743-3003 8151 Overseas Hwy., MM 52

General Surgery Charan Donkor, M.D. (305) 852-2089

Marathon

91550 Overseas Hwy. Tassell Medical Arts Building Tavernier

Mental Health For bereavement counseling consider also contacting the Hospice providers listed in Part IV: When You Need More.

Alan Netzman, D.O. (305) 852-9001 97671 Overseas Hwy. Key Largo

Alzheimer’s Care Support Group (305) 853-0907 (305) 393-4643

Steven Smith, M.D. (305) 743-3511 5701 Overseas Hwy., Ste. 8 Marathon

Gynecology and/or Obstetrics

emotional support, urge them to talk about their roles and help them find ways to reduce their stress. The group meets in the Upper Keys on the third Tuesday, at 6:30 p.m., at the

Randy Fink, M.D. (305) 274-3130 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier David Forest, M.D. (305) 743-3003 8151 Overseas Hwy., Ste. 300, MM 52 Marathon

www.alz.org The Alzheimer’s Association Southeast Florida Chapter holds monthly meetings in the Upper Keys and Marathon. Free informal gatherings provide caregivers

Plantation Key Senior Center, MM 89. Marathon meets the second Wednesday, at 6:00 p.m., at the Marathon Senior Center. (It’s on the bay side, at the light by Fishermen’s Hospital, 2nd building.)

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Community Health of South Florida Tavernier Health Center (305) 743-0383 91200 Overseas Hwy. Tavernier Towne Center Tavernier (305) 743-4000

geriatric treatment. Persons dealing with substance abuse can self-refer for detox. Mindy Agler, L.M.H.C. Buttonwood Counseling

2855 Overseas Hwy., MM 48.5 Marathon www.chisouthfl.org This center offers behavioral health care with individual and group counseling.

(561) 866-9066 91831 Overseas Hwy. Tavernier Katherine S. Gong, L.C.S.W., D.C.S.W. (305) 394-4006 103400 Overseas Hwy., Ste. 213 Pink Plaza Key Largo

Depression and Bipolar Support Alliance Support is available for people with mood disordersâ&#x20AC;&#x201D;depression and bipolar disorder. The free voluntary meetings are confidential and attended by a supportive group of peers, are held Thursday, 7 p.m. to 8:15 p.m., at Coral Isles Church, 90001 Overseas Hwy. For information, contact Jay Kasprisin, (305) 393-4713, jayspirit11@gmail.com.

Guidance Care Center

Dailey Grainger, Ph.D., A.R.N.P. (305) 434-7660 83266 Overseas Hwy. Islamorada Michael Holler, L.M.H.C. (305) 396-1951 91831 Overseas Hwy. Thrifty Building Tavernier Timothy M. Kelly, L.C.S.W. (305) 289-2008 11400 Overseas Hwy.

(305) 434-7660 99198 Overseas Hwy. Key Largo 3000 41st St. Marathon

Marathon

www.gcmk.org The Clinic offers services for mental health issues, particularly depression and substance abuse. The staff is certified for

Rosanne Walsh, L.M.H.C., L.M.T., C.S.T. Coastal Counseling Services (786) 477-6227 103400 Overseas Hwy., Ste. 210

Keys to Living

Key Largo

Neurology Elisa Brown-Soltero, M.D. (305) 853-0415 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier Nursing Care Visiting Nurse Association (VNA) (305) 852-7887 92001 Overseas Hwy. Tavernier Obstetrics (see Gynecology) Ophthalmology and Optometry James Boilini, O.D. (305) 451-1481 99696 Overseas Hwy. Key Largo James Gahagen, O.D. (305) 852-7517 95360 Overseas Hwy. Key Largo Harry Landsaw, O.D. Jannah Landsaw, O.D. (305) 853-3153 91284 Overseas Hwy. Tavernier Stanley Rosenberg, M.D. Peter Gomez, O.D. (305) 852-3686 92140 Overseas Hwy. Tavernier

Orthopedic Surgery Edward Collins, M.D. (305) 852-9970 (305) 743-3214 95360 Overseas Hwy. Key Largo Paul S. Ellison, Jr., M.D. (305) 453-3633 100210 Overseas Hwy. Key Largo Pediatrics Stanley Zuba, M.D. (305) 853-0558 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier Physical Therapy Atlantic Sportcare Therapy (305) 453-1088 100210 Overseas Hwy. Key Largo

Mariners Hospital (305) 434-3702 91500 Overseas Hwy. Tavernier www.baptisthealth.net Onshore Therapy Hands On Therapy/Rehabilitation (305) 587-7770 92401 Overseas Hwy. Vaughn Building Tavernier

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Plantation Key Nursing and Rehabilitation Center (305) 853-0799 48 High Point Rd., MM 89 Tavernier

Urgent Care Ian Rae, M.D. (305) 453-3006 101451 Overseas Hwy. Tradewinds Plaza Key Largo Bernard Ginsberg, M.D.

Podiatry Dmitry Sandler, D.P.M. (305) 852-1878 91461 Overseas Hwy. Tavernier

ASAP Urgent Care Center (305) 852-9300 91555 Overseas Hwy. Good Health Clinic Tavernier House calls are offered.

Brigette Smith, D.P.M. (305) 852-8395 92410 Overseas Hwy. Tavernier

Urology Nelson A. Terzian, M.D. (305) 853-7165 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier

John Torregrosa, D.P.M. (305) 853-5151 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier Pulmonary Jeremy Tabak, M.D. Raymond L. Parker, M.D. (305) 661-9404 91550 Overseas Hwy. Tassell Medical Arts Building Tavernier

Andrew Wolszczak, M.D. (305) 743-6526 8151 Overseas Hwy., MM 52 Marathon

Katherine S. Gong, LCSW, DCSW Licensed Clinical Social Worker Certified Hypnotherapist

Counseling, and Pain & Stress Management 103400 Overseas Hwy., Ste. 213

Mail: PO Box 371836, Key Largo, FL 33037-1836

305-394-4006

Keys to Living

What You Need to Know… when it is bad news at the doctor’s office We are rarely ready for it: the news that something medical is seriously wrong. Each health problem brings its own challenges, but here are some suggestions to help you cope and get the best possible care.

•

Ask for help. Find at least one trusted person to be your advocate, someone who will go into doctor visits with you to carefully listen to what the doctor says and take notes. You need someone calm, so this might not be your closest family member or friend.

•

Purchase a notebook for your advocate to write notes in during each visit. Use it to write questions between visits and to refer to later. A recording app on a smart phone can help you to review. Family members or other doctors may find it helpful too.

•

Ask if there is a range of treatments, from conservative to aggressive. Ask a specialist to review those choices. Talk to your insurance company.

•

Do not feel forced to make an immediate decision unless the illness is an immediate threat to life. Take time to consider what you want to do. Do your homework, then ask more questions.

•

Ask your doctor to make a referral for a second opinion in a practice outside of her or his medical group.

•

Ask a friend or family member to be your spokesperson: they can return calls, give out information you deem proper or send out an email update to people who want to keep up with your progress.

•

Allow those who want to help to care for you in a constructive way: watching pets, watering plants, making freezer meals. Allow time for yourself and to feel the love.

•

Find a support group. Keep a positive attitude. Treat yourself with gentleness, as you would treat a friend in a similar situation.

Keys to Living

Mainland Medical Services Alzheimer’s Disease and Dementia Memory Disorders Clinic Brain Fitness Pavilion (305) 355-9080, option 3 1695 N.W. 9th Ave., Ste. 3202 Miami www.centeronaging.med.miami.edu The center is devoted to high-quality patient care, education of caregivers and health professionals and the pursuit of clinical research aimed at better diagnosing and treatment of Alzheimer’s disease and related memory disorders. The University of Miami and MiamiDade College collaborate on this multidisciplinary program through the Miller School of Medicine’s Department of Psychiatry and Behavioral Sciences Center on Aging and the Department of Neurology. Follow the link on their website to the “Brain Fitness Pavilion.”

Oncology/Hematology Advanced Medical Specialties (786) 594-4210 9350 S.W. 72nd St., Ste. 200 Miami www.miamicancer.com Affiliated with Baptist Health South Florida, this medical center has provided specialized care for cancer and blood diseases for more than 25 years and treats more than 4,000 patients annually. Oncology, hematology, radiation, chemo therapy and clinical trials are among the services and treatments available.

Sylvester Comprehensive Cancer Center (305) 243-1000 1475 N.W. 12th Ave. Miami (305) 270-5000 8932 S.W. 97 Ave. Miami www.sylvester.org The University of Miami-based center provides cancer treatment, support services, rehabilitation and palliative care. The main facility is located in northwest Miami with a satellite in South Miami. All Sylvester physicians are on the University of Miami faculty of the Miller School of Medicine.

Keys to Living

Preventive Healthcare You are your best source of good health. It starts with preventive care: simple things like getting fresh air; drinking enough unsweetened liquids daily; eating a balanced diet of fresh fruits, vegetables and whole grains; being attentive to your personal and dental hygiene; protecting yourself from the sun; getting eight hours of sleep a night; staying active and getting an annual checkup by your physician, dentist and eye doctor.

Diet

Exercise

Dietary recommendations seem to change with each new health study, but the basics remain the same. Opt for a diet rich in fresh fruits and vegetables and whole

Be active. Studies show that regular physical activity decreases the risk for developing depression, diabetes, heart disease, high blood pressure, obesity,

grains. Limit the amount of processed foods you eat, which tend to be high in sugars, fats, salt, chemicals and calories. While you do not want to deny yourself a treat every now and then, limit them. It

stroke and some kinds of cancer.

will keep your body functioning well and help you keep off the extra pounds. How much liquid is enough? According to the Institute of Medicine, an adequate intake for men is 3.7 liters (15.6

The U.S. Department of Health and Human Services suggests that older adults should aim to do at least 150 minutes (2 hours and 30 minutes) of moderateintensity physical activity a week or an equivalent amount (75 minutes or 1 hour and 15 minutes) of vigorous-intensity activity a week.

cups) of total beverages a day. For women it is 2.7 liters (11.4 cups) a day. Activity level and heat exposure can affect intake needs. Eating vegetables and fruits with high water content can help offset the

Always consult your healthcare professional before starting an exercise program. If you do not have a limiting chronic illness such as diabetes, heart

amount of liquids you have to drink. You can do this by adding cucumbers, tomatoes, berries, melons, grapes, citrus and leafy greens to your daily diet.

disease or arthritis and you do not have chest pain or pressure, dizziness or joint pain, you probably will be given the goahead to start exercising. Begin slowly.

Keys to Living

Arrange your life so you can engage in regular exercise. Studies show that even older adults who engage in any amount of physical activity gain health benefits. You can do an equivalent amount of activity by combining moderate- and vigorous-intensity activity. You may not be able to reach this goal at first, but you can work up to it. The report also suggests

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that older adults should engage in musclestrengthening activities that are moderate or high intensity and involve all major muscle groups on two or more days a week, as these activities provide additional health benefits. The report’s research studies consistently show that activity performed on at least three days a week produces health benefits. You will have less risk of injury or excessive fatigue if you spread the physical activity across at least three days a week. What is moderate/vigorous activity? According to the report, you need to work out for at least ten minutes at a time. You can divide the workouts throughout the day or week. For example, you can take a brisk 15-minute walk twice a day on every day of the week to meet the minimum guideline for aerobic activity. You can swim, bike, play golf or tennis, jog, dance or ride a bicycle—anything that elevates your heart rate for at least ten minutes.

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Hygiene According to the Centers for Disease Control, keeping your hands clean is one of the best ways to prevent the spread of infection and illness. You can learn much more about the importance of when and how to wash your hands properly at their website: www.cdc.gov/handwashing. The Office of the Surgeon General reports that a growing body of evidence links oral health, particularly periodontal (gum) disease, to chronic diseases such as diabetes, heart disease and stroke. Brush your teeth at least twice a day and floss them at least once a day for a healthy

Keys to Living

mouth. See your dentist for a teeth cleaning at least once a year. You heal more slowly as you age, so wound care is a frequent concern for

social ties are even more important in preventing illnesses than genetic backgrounds.” In addition, a 2008 research study in

seniors. Conscientious personal hygiene is important for keeping your skin clean.

the American Journal of Public Health found that socializing might benefit older women by improving cognition and perhaps preventing dementia.

Maintaining Good Mental Health Everyone feels sad at times, but when those feelings last for a long time or feel overwhelming, you might be suffering

Sun Care

from depression. Depression can affect your physical health. Seek help from your doctor or a mental health specialist. Staying connected is a way to ward off depression. Socializing, working and

ten hours of sunlight each day, depending on the time of year. Wear sunscreen and loose long-sleeved and long-legged clothing when you plan to be outside for extended periods of time….

volunteering lift your spirits and mood. Older adults suffer from a higher rate of depression than the rest of the population because they often no longer work or they have physical impairments that limit their

Choosing the right protective SPF, UVA and UVB sunscreen is important for good coverage. Visit the Environmental Working Group website to learn which sunscreens protect the best and have the

mobility. See Part II: Staying Connected. A 2011 University of Miami study, “The Benefit of Socialization for Seniors from Older Adult Communities,” shows “… lifestyle and attitude are significantly

fewest offensive chemicals: www.ewg.org. Visit a dermatologist annually for a comprehensive, full-body skin cancer screening.

more important than genes in determining the vitality of one’s golden years. The influence of genetics shrinks proportionately as a person gets older, while social and physical habits become increasingly important to health, both mental and physical. For the aging, strong

As Floridians, we are exposed to seven to

Wear sunglasses with the proper UV-protection to protect your eyes when you are outside. According to the Mayo Clinic, “Ultraviolet (UV) radiation from the sun can damage not only the skin of your eyelid but also the cornea, lens and other

Keys to Living

parts of the eye. UV exposure also contributes to the development of certain types of cataracts and possibly macular degeneration.â&#x20AC;?

colon, breast, cervical and skin cancers. Call or watch local newspapers for locations and dates.

Mariners Hospital Health Fair Select sunglasses that block 99 percent of both UVA and UVB rays. The color and degree of darkness do not represent the glassesâ&#x20AC;&#x2122; ability to block UV. Read the label for UV-protection details. The Mayo Clinic also recommends wraparound sunglasses or close-fitting sunglasses with wide lenses to protect your eyes from every angle. While some contact lenses provide UV protection, they should be worn in combination with sunglasses to maximize protection.

Health Resources

(305) 434-3000 91500 Overseas Hwy. Tavernier www.baptisthealth.net Once a year, generally in the spring, the hospital hosts a free health fair covering cholesterol, glaucoma, blood pressure, osteoporosis, vision and more. Local medical professionals perform hearing, dental and oral and breast cancer checks. Call for dates and what tests are available. Other testing services are offered occasionally through the year at lectures.

Health Fairs

Preventive Services

DOCS Health Fair University of Miami

Centers for Disease Control

(305) 243-4898 umdocs.mededu.miami.edu The UM Miller School of Medicine

(800) 232-4636

and Prevention

annually stages extensive, low-cost health fairs in the Upper and Middle Keys through its Department of Community Service (DOCS) organization. Professionals screen for the most prevalent diseases in our community, including; hypertension, diabetes, vision loss, obesity and depression, as well as

www.cdc.gov/hiv/risk/age/olderamericans With the advent of online dating sites, more and more senior citizens are dating and finding romance. Practice safe sex rules by taking the same common sense precautions you took decades ago and preached to your children. Find out the truths and the myths of dating in your golden years if you are planning to enter a new relationship.

Keys to Living

Monroe County Health Department (305) 853-7400 50 Highpoint Rd., MM 89 Roth Building Tavernier (305) 289-2708 3333 Overseas Hwy.

Florida Keys Area Health Education Center (Keys AHEC) (305) 852-9551 50 Highpoint Rd., MM 89

Ruth Ivins Center Marathon www.floridahealth.gov The clinics run prevention programs, which include immunizations, HIV/AIDS and sexually transmitted disease screening, the Tobacco Free Florida Program and many other services on a no-, low- or sliding-fee scale. Hepatitis screening is recommended for those born between 1945 and 1965.

Roth Building Tavernier www.fkahec.org Keys AHEC offers the Keys to Health through numerous free and low-cost health and wellness programs. • IQuit is a free, nationally recognized

program to help you quit smoking. • Keys to Heart Healthy Living provides

free education and health assessment for cardiovascular disease, including a mini-physical, medication review and heart disease risk factors. • Health Fairs are hosted in partnership

Life Line Screening

with the University of Miami’s Miller

(800) 449-2350

School of Medicine.

www.lifelinescreening.com

• Skin cancer screenings

This national, private company provides preventive health screenings several times a year in our community. In about an hour you will be screened for a number of medical issues common among seniors: stroke and carotid artery disease, atrial fibrillation and heart rhythm, abdominal aortic aneurysm, peripheral arterial disease and osteoporosis. Before your screening, check with your insurance company to determine your coverage.

• Osteoporosis screenings and educational

seminars are provided at no cost. Keys AHEC partners with the Health Foundation of South Florida to offer fitness programs to Keys seniors: • Enhance Fitness is an hour-long group

physical activity program that focuses on cardiovascular and strength training, balance and flexibility. It is held at two locations in the Upper Keys:

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Islamorada Founders Park (305) 853-1685 87000 Overseas Hwy. Islamorada Monday, Wednesday, Friday at 8 a.m.

Key Largo Civic Club (305) 451-9833 209 Ocean Bay Dr., MM 99 Key Largo Tuesday, Thursday, Friday at 9:30 a.m.

Rural Health Network of Monroe Countyâ&#x20AC;&#x201C;Dental Health Care (305) 735-4218 91555 Overseas Hwy. Tavernier (305) 289-8915 2901 Overseas Hwy., MM 48 Marathon www.rhnmc.org The network offers dentures, extractions, and cancer screenings on a sliding-fee scale for uninsured and underinsured patients, including Medicare and Medicaid recipients.

Rusk Club Group meets three times a day at 98781 Overseas Hwy., Key Largo. AL-ANON (305) 852-6186 www.southfloridaal-anon.org This group helps loved ones recover from the effects of someone elseâ&#x20AC;&#x2122;s drinking.

IQuit with AHEC (305) 852-9551 50 Highpoint Rd., MM 89 Tavernier (305) 743-7111, ext. 205 5800 Overseas Hwy. Marathon www.fkahec.org Florida Keys Area Health Education Center (Keys AHEC) runs a free program to help smokers kick the habit called IQuit. It begins with a two-hour seminar, followed by six-weeks of meetings. Participants receive support from other attendees and guidance from counselors. Nicotine replacement therapy is free while the supplies last.

Programs to Fight Addiction Alcoholics Anonymous (AA) (305) 852-6186 www.upperflkeysaa.org Islamorada Group meets four times a day at 81650 Overseas Hwy., Islamorada. Hospital Group meets once a day at 91550 Overseas Hwy., Tavernier.

Keys to Living

Healthcare for Veterans Men and women Veterans of the United States armed forces may be eligible for a broad range of Veterans Administration (VA) programs and services if they were discharged from active military service under other than dishonorable conditions. Certain benefits require service during wartime. Reservists and National Guard members may also qualify for VA benefits if they were called to active duty (other than for training only) by a Federal order and completed the full period of active duty. The Veterans Health Administration is America’s largest integrated healthcare system, serving 8.3 million Veterans each year. The system offers a variety of services, information and benefits at more than 1,400 sites of care, including hospitals, community clinics, community living centers, domiciliaries and readjustment counseling centers. For most Veterans, entry into the VA healthcare system begins by applying for enrollment, which can be done online, by telephone or in person. Once enrolled, Veterans can receive healthcare at VA healthcare facilities anywhere in the country. If you are new to the VA, the first step is to read the free “Federal Benefits for Veterans, Dependents and Survivors” booklet. It is available in digital form online at

www.va.gov/health. You also may pick one up at any VA center or by calling or writing to any VA center (see below). More benefits for Veterans are listed throughout this book (look for dog tags icon) and in Part IV: When You Need More: When You Need A Helping Hand.

Veterans’ Services Veterans Benefits Office

Transport Coordinator

(305) 453-8777

(305) 289-6009

102050 Overseas Hwy. Murray Nelson Government Center Key Largo A knowledgeable staff helps active duty personnel, retirees as well as Veterans

Monroe County offers a van with limited seating for transportation to Miami for medical appointments. Preregister and verify your qualification as a Veteran. When you make your

and their families understand and obtain federal and state benefits.

appointment, tell the doctor’s office that you plan to travel on the van. They will

Keys to Living

give you an accommodating time for your appointment. After you have made your appointment, call the transport coordinator, even if it is months in advance. The van leaves from Key West early and picks up in the Upper Keys around 7 a.m. The van usually returns to the Upper Keys around 3:30 p.m. An escort is permitted to travel with you if necessary.

Veterans Caregiver Support www.caregiver.va.gov Caregivers of Veterans can turn to this site for caregiving support in and outside the home. There is a toll-free answer line (855) 260-3274, Caregiver Support Coordinator, medical fact sheets to help

Veterans Hospital Bruce W. Carter Department of Veterans Affairs Medical Center (305) 575-7000 (888) 276-1785 1201 N.W. 16th St. Miami www.miami.va.gov This facility is an accredited comprehensive medical provider of general medical, surgical and inpatient and outpatient mental health services. New patients are accepted on a firstcome, first-served basis, except in the case of medical emergencies, which are seen first. The Fisher House facility enables

you understand your Veteranâ&#x20AC;&#x2122;s medical condition and Caregiver Toolbox to help you manage your caregiving.

family members to be close during hospitalization by providing lodging at no cost. Twenty suites are available to families that live more than 50 miles from the hospital. For more details and

Veterans Key Largo Outpatient Clinic

referral information, call (305) 575-7260.

(305) 451-0164 105662 Overseas Hwy. Key Largo www.miami.va.gov/locations

Veterans Patient Advocate (305) 575-3392 Patient Services

On weekdays, the clinic offers primary care services such as immunizations and treatment of high blood pressure, diabetes, infections, sprains and strains. It also provides electrocardiograms (EKG) and mental health assistance.

(786) 295-2456 Patient Services Assistant The Miami VA Healthcare System strives to provide the best healthcare possible in the most courteous and efficient manner. However, there may be times when you may have a concern that is not being solved through the healthcare team. If

Keys to Living

this occurs, you are encouraged to contact the hospital-provided patient advocate, who will assist you or your family in your particular situation.

Women Veterans (855) VA-WOMEN (829-6636) Women make up nearly 15 percent of today’s active duty military and 18 percent of National Guard and Reserve forces. To meet their needs, in March 2013 the VA launched a hotline specifically to receive and answer questions from women Veterans and their families and caregivers about the many services and resources available.

U.S. Senior Veterans (877) 245-VETS (8387) www.USSeniorVets.com The U.S. Department of Veterans Affairs offers the Non-Service Connected Disability Pension, a tax-free pension to help qualified Veterans and spouses afford assisted living or nursing care. The “Aid & Attendance” benefit offers reimbursement of certain qualified, unreimbursed medical expenses, usually involving long-term care in assistedliving communities, in-home care and, in limited instances, independent living communities. See Part IV: When You Need More: Long-Term Care.

Keys to Living

What You Need to Know… about getting your affairs in order Use this list as a starting point to gather information and documents that will be needed if you become incapacitated. Most of the items apply to everyone. You will have to decide who will fill the key positions on some of the documents and who will hold onto copies or have access to the documents in an emergency. This list is a good way to start the process and the conversation with those key people. HINT: Collecting an invoice or statement from each of your accounts once a-year will provide you with most of the items. Bundle them with the other documents and information in a sealed envelope and store them in a secure place or in the hands of someone you trust with this sobering task. • Location of your will, trust or

other end-of-life instructions • Durable power of attorney,

HIPPA release, Healthcare Surrogate and Declaration of Living Will (DNR) • Location of bank accounts and

safe deposit box • List of credit cards, other

creditors and debts • List of insurance policies: life,

car, home, boat, RV, motorcycle • List of brokerage accounts • Name of attorney and tax

accountant

• List of utilities and other

monthly services • List of pension/retirement funds • Location of military and federal

service records and list of memberships in fraternal orders • Location of deeds and titles • Location of Post Office or

other mail box • Location of last year’s income

tax return • List of online accounts with

user names • List of family, friends and

professional contacts

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WEALTH Banking It is never too late to become money savvy. Begin by understanding where you stand financially. Reputable organizations, corporations and publications, such as AARP, Kiplinger, The Wall Street Journal and Mastercard, provide online and print financial tools. Compare information from the sites and select which makes the most sense to your situation. Consult a financial advisor or your banker when you are ready for the next step. Even the simple choice of where and how you bank will have an impact on your life. Choose banks that offer no- and low-fee accounts and services that can protect your nest egg. In the Keys, you can choose from local, regional and national banks. They provide an array of services, including checking and savings accounts, mortgages, investment vehicles, safe deposit boxes, foreign currency exchange, cashiers checks and money orders and notaries. All the banks listed offer checking and savings accounts. Some also offer special services for seniors, such as free checking, free checks, checks for sight-impaired customers and travel benefits. Inquire at your bank to learn about apps that might make banking easier for you. See Part I: Wealth: Tips for Safer Online Banking.

Local Banks Along with delivering financial services, our local banks are supportive of many of our community programs. They provide generous cash donations, volunteers and in-kind services.

First State Bank (305) 451-3033 101433 Overseas Hwy. Tradewinds Plaza Key Largo

(305) 852-2070 97670 Overseas Hwy. Key Largo (305) 664-9070 81621 Old Hwy. Islamorada www.keysbank.com Offers Smart Seniors Checking and many free services, e.g. notary, online banking/bill pay, ATM card as well as free personal checks and cashier checks.

Keys to Living

Regional Banks

National Banks

Regional banks offer some of the advantages of national banks, yet maintain closer ties to our community.

National banks might be a better choice if you need to coordinate banking services with family members who live out of state or if you maintain a residence out of state.

Capital Bank (305) 451-2000 103330 Overseas Hwy. Key Largo

Bank of America

(305) 451-0211 99451 Overseas Hwy. Key Largo (305) 664-4483 80900 Overseas Hwy.

Key Largo (305) 852-2601 92200 Overseas Hwy. Tavernier www.bankofamerica.com

Islamorada www.capitalbank-us.com

Centennial Bank (305) 676-3121 100280 Overseas Hwy. Key Largo (305) 676-3051 81541 Old Hwy. Islamorada www.my100bank.com

(305) 453-4466 99551 Overseas Hwy.

BB&T (305) 852-4500 90184 Overseas Hwy. Tavernier www.bbt.com

Wells Fargo Bank (305) 451-4477 100000 Overseas Hwy. Key Largo www.wellsfargo.com

Community Bank (305) 451-5733 100150 Overseas Hwy. Key Largo (305) 852-0516 91390 Overseas Hwy. Tavernier www.communitybankfl.com

Keys to Living

Tips For Safer Online Banking Security Safeguards While banking online is convenient, you need to practice safe banking. Never log onto a financial website from a public computer or non-password-protected network, such those provided in a hotel lobby, library, coffee shop or even a friend’s computer that is not network protected. They are not secure. When it comes to your finances follow the adage, “Trust, but verify.” Do not click an email link to get to your bank; it could lead you to an unsecured site designed to collect your personal information. Always access your online banking by typing the bank’s URL into your browser or using the bank’s app. If you receive emails that look suspicious, simply delete them, never reply, even to ask them to stop. For more information visit www.consumer.ftc.gov and select the “Privacy & Identity” link. If you do not understand antivirus software, such as McAfee or Norton AntiVirus, or do not know if you have firewall security, talk to a tech who can check out your system. It is money well spent. If you do understand security tools, use them and keep them current. Consider a VPN or Virtual Private Network, such as Spotflux, to make your wireless usage more secure.

Consider incoming emails with caution. Your bank will never email you requesting personal information. Those types of emails are scams. When entering your personal information, whether banking or shopping, online security can be checked in the URL window. Two indications that a site is secure are: First, look for https:// in the URL window. The S stands for Secure. Second, look for a padlock or a key. Click on this and it will show security information. Select the Private Browsing mode on your computer and devices when you conduct financial transactions. When you finish online banking or other financial business, you should make it a habit to completely log out of the session. The banking link may not close if you just close the window. Some securityminded people dedicate a separate browser (such as Firefox or Google Chrome) for making secure transactions. Your identity can be stolen offline as well as online. Do not be careless with your security in the “hard copy” world. Expired bankcards and correspondence regarding PIN and account numbers should be either stored or destroyed. Review your financial statements when they arrive. Do not simply file them

Keys to Living

unopened. Make certain your statements arrive in your mailbox. A quick review will keep you “in the know” about your financial affairs and will allow you to quickly alert your bank if there are mistakes or suspicious transactions.

Word Method Take a look at your telephone keypad, and then choose a word for your PIN number. For example, your dog’s name, “Spot” would be 7768. Even if someone tried entering several different word choices for you, after a few failed attempts most banking systems would lock the account and alert you.

Date Method Consider using a significant date to cue your PIN choice. A birthdate would be a likely choice, say August 25. You could use 0825, but that seems pretty easy for an identity thief to guess, should someone find your wallet. Consider reversing it to 5280. Perhaps a phone number you remember easily would already be in your memory, so reverse the last four digits. Consider using an anniversary or other

Creating Memorable Personal Identification Numbers

significant date that only you would know, such as a child’s or parent’s birthday.

Personal identification numbers (PINs) are

Cell Phone Cheat Sheet

numerical passwords and, thus are important security features. Take time to create a few PINs that you can remember easily. Don’t use the same PIN for all your accounts. Here are some suggestions for

Do you have access to your cell phone contact list? Use it to create a fictitious contact and enter your PIN as part of the phone number.

developing strong PINs. One of these suggestions might work better for you than the others, but try several to boost your security.

Use All Your Digits If you are allowed to use more than four digits in your PIN, use them! It will increase your security exponentially.

Keys to Living

Mobile Banking – There’s An App For That! Banking on your cell phone and tablet is a popular way to manage money. There are steps you can take to be safe. How secure is mobile banking? Where do you find the best apps for mobile banking? Could a thief tap into your bank account? Is it safe

• Phones and tablets go everywhere nowadays and are used for everything. That increases your chance of losing it. Use the security options provided such as a PIN, fingerprint or pattern lock on the opening screen and use the auto lock, which activates if the device sits unused for more than a few minutes. It will not slow you down much in your

to make transactions using an app, text messaging or by visiting a mobile website? • Never send account numbers, passwords or other personal data by email or text; your bank will never ask you for that information. • Use your mobile device’s cellular network for financial transactions if you do not have access to a secure (password-protected) WiFi connection. Go into your settings and disable the WiFi until your transaction is finished. • If your bank offers an app–use it! These connections have a level of security and encryption. Verify that your bank

use, but it will slow down a thief. • Pay attention to all the apps you download, not just your banking app. Free apps might cost you a lot— your security! Do a little research on the app developer or only download from an authorized store, e.g., the Apple App Store or Google Play, which have done the vetting for you. • Activate the app that locates a lost smart phone or tablet. On iPhones and iPads, it is Find My Phone. Androids provide Android Device Manager in

sanctions the app before you download it. You should find this information on the bank’s site. If not, call and ask; someone at the bank will help you. • Use the Private Browsing mode on your smart phone and tablet when you conduct financial transactions.

Keys to Living

addition to Lookout. On a BlackBerry it is Protect. Samsung uses Find My Mobile. These apps will help you locate your device quickly or wipe the data from it, possibly before someone else finds it. If you lose your phone and it has a banking app installed, notify your bank immediately so they can freeze access to your accounts.

Financial Planning It is important to manage your finances and understand your choices at an early age and before making life-changing decisions. A local Personal Financial Specialist (PFS) or a Certified Financial Planner (CFP) can be your strongest asset. After discussing your lifestyle and objectives, she can help you find the best options for your goals. Local professionals are listed below. Many national financial advisors have branches located in the Upper Keys: Bank of America, Merrill Lynch, Morgan Stanley Smith Barney, Edward Jones, Ameriprise, etc. Check online or the phone directory for their contact information. Information on financial strategies, e.g., reverse mortgages and long-term care insurance, are discussed under Part IV: When You Need More: A Helping Hand.

Planning Services Andersen Financial Services

DeMoss Financial

(305) 451-1099

(305) 664-0034

99330 Overseas Hwy. Key Largo www.andersenfinancial.net This CFP offers investment management, debt/risk management, retirement/legacy

89015 Overseas Hwy., Ste. 3 Tavernier www.demossfinancial.com Estate and retirement planning and wealth management are provided by this

planning and business services.

accounting practice.

Chapman & Cardwell Capital Management

Keys Accounting & Tax Service

(305) 451-0408 99101 Overseas Hwy. Key Largo

99411 Overseas Hwy. Key Largo www.keysaccounting.com Services at this Enrolled Agent firm include individual and corporate tax

(305) 451-3464

www.chapmanandcardwell.com This partnership provides investment and portfolio management, retirement and estate planning and business services.

planning and preparation, bookkeeping and small business services.

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Islamorada Investment Management

Mull Capital Management, L.L.C.

(305) 522-1333

(305) 852-8025

90775 Old Hwy. Tavernier www.islainvest.com This firm specializes in proprietary portfolios and personal investing as well

91760 Overseas Hwy. Tavernier www.mullfinancial.com The firm offers retirement plans, investment and wealth management,

as retirement planning.

personal insurances and annuities.

Joe Thompson, Financial Advisor

Patricia B. Mull, CPA, PFS

Unlike many portfolio managers, we are fee-based. We arenâ&#x20AC;&#x2122;t here to sell you anything. We are on YOUR side. Whether you need help with investment management, retirement planning or just need plain, good advice, Pati and Joe are here to help. Call for a free consultation today!

RETIREMENT PLANNING SERVICES 401(k)s t 403(b)s t Rollovers Traditional & Roth IRAs SEPs t SIMPLE Plans t Insurance WEALTH MANAGEMENT SERVICES Portfolio Management Tax & Financial Planning Estate & Trust Planning

Weâ&#x20AC;&#x203A;ve got your back! Visit us on Facebook! Home of Mulligan.

91760 Overseas Hwy Tavernier, FL 33070 305-852-8025 www.mullcapitalmanagement.com Patricia Mull, Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Patricia Mull, Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Financial planning through Mull Capital Management, a registered investment advisor. Joe Thompson, Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Mull Capital Management & Cambridge are not affiliated.

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What You Need to Know… about credit reports The U.S. Fair Credit Reporting Act (FCRA) oversees the accuracy and privacy of consumer credit information kept on file by the nation’s credit reporting companies. Under FCRA, each of the three major credit reporting companies—Equifax, Experian and TransUnion—is required to issue a free copy of your credit report, at your request, annually. You can order the reports from all three companies at once or individually. Consider checking your credit report with one of the three companies every four months rather than checking all three at the same time. That way you can stay ahead of any potential problems. A credit report includes your credit score and information on relevant aspects of your life: your address, your bill-paying history and whether you have been sued or have filed for bankruptcy. Lenders use credit scores to determine the amount of money they will loan you as well as the interest rate they will charge you. The three major credit reporting companies sell this information to your potential creditors, insurance companies, employers doing background checks and other businesses that use it to evaluate your applications for credit (loans and credit cards), insurance, employment or home rental. If you plan to apply for a job, to move and rent, to buy a home or make a major purchase on credit, such as a car, check your credit report in advance for accuracy. Inaccuracies may prevent you from securing your loan, job or rental. Free credit reports are available only through (877) 322-8228 or www.annualcreditreport.com, where you can request the Annual Credit Report Request Form. Complete and mail the form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Beware of solicitations offering free credit reports. Many are free the first year, but carry a fee in subsequent years.

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Financial Fraud More than eleven million consumers were victims of some sort of identity theft last year. Protect yourself by being diligent and using common sense. Start by checking your credit report once a year with the three credit bureaus: Equifax, Experian and Transunion. If youâ&#x20AC;&#x2122;re not already keeping a close eye on your financial savings, let the recent financial scandals remind you. Safeguarding your financial savings requires diligence. The Financial Industry Regulatory Authority, a federal consumer agency referred to as FINRA, offers tools to help you monitor your financial holdings, research stockbrokers and avoid identify fraud. Go to www.finra.org for details. Check the credentials and regulatory status (complaints or disputes) of your stockbroker using their BrokerCheck tool. Their Risk Meter and Scam Meter tools help you suss out possible fraudulent investments by walking you through a series of multiplechoice questions. At the end, it evaluates your responses and determines whether the investment is likely to be safe or fraudulent. The Consumer Federation of America launched a new identity theft website, www.idtheftinfo.org, to provide information on preventing and detecting identity theft and how to deal with it if you are a victim. The site features consumer and victim resources as well as the latest news on identity theft issues.

Credit Monitoring Services Consumer groups, nonprofit services and companies that offer identity-theft products contributed their knowledge to provide information

theft. They range from self-help, such as safeguarding your information, to monitoring your credit and credit freezes.

for the Consumer Federation of America site. There is a section to help you decide whether to buy identity-theft services and, if so, how to shop for them. The site provides an array of options

Credit Freeze

for protecting yourself against identity

A credit security freeze may be the best way to protect yourself from identity theft. It is like adding a deadbolt to your door. It prevents companies from accessing your credit report except for those with which

Keys to Living

you already have a financial relationship and some government and exempt agencies. That means when an ID thief tries to open an account using your credit, the company will not be able to access your credit report, so it will not issue credit to the thief. To put a security freeze on your

prevent further damage until you can freeze your credit. Equifax (888) 766-0008 www.equifax.com Experian (888) 397-3742 www.experian.com TransUnion (800) 680-7289 www.transunion.com

credit, contact each of the credit bureaus online or in writing. If you need to unfreeze your credit, you can do so by contacting each of the three credit bureaus online, by phone or in writing. Why might you want to unfreeze your credit? You cannot open new lines of credit—get a mortgage, get a credit card at a store, get new mobile phone service— while your credit freeze is in effect. There is often a small fee to unfreeze your credit. Some states require free freezing and unfreezing services for seniors. If you have not put a security freeze on your credit and you lose your wallet, do not receive financial documents you expected in the mail, spot signs of unusual activity on your credit cards or have your computer or cellphone stolen (if they have financial information on them), you can

The local’s resource guide to the Upper Keys!

initiate a free ninety-day fraud alert by contacting any one of the three credit bureaus by telephone (they will pass the information on to the two others). It will

Keys to Living

Keys to Living A Practical Guide to Living a Long Life in Key Largo • Tavernier • Islamorada

Pick up a copy at Upper Keys public libraries and local businesses and download or read the eBook at www.FloridaKeysLiving.org

Fight Financial Fraud With so many seniors living in Florida, the state has become a popular place for criminals to perfect every type of scam and fraud. Seniors are easy targets because they often have their retirement savings in easily accessible accounts, are generally trusting and are not all savvy about the personal information that can be garnered by a resourceful scammer to enhance their credibility. The state’s Office of Citizen Services has programs to help residents and visitors protect themselves from con artists at www.myfloridalegal.com or (866) 966-7226. They offer a booklet, “Smart Consumers Can Stop Fraud,” with extensive contacts and information on many types of fraud. Search the term “Senior Awareness” on the website. Consumers can report fraud or file a complaint by calling the number. If you suspect there has been financial abuse of a senior, yourself or a friend, call (800) 96-ABUSE.

Become A Fraud Buster Seniors vs. Crime (800) 203-3099 www.seniorsvscrime.com Consumer-conscious senior citizens in Florida can volunteer their time and energy to help the Attorney General’s

Office fight back against con artists who typically prey on their generation. They can become part of a statewide program known as Seniors vs. Crime. Formed by the Attorney General and the American Association of Retired Persons (AARP), the program uses retired citizens not only to educate others on consumer fraud, but also to help in some consumer investigations. In addition, the volunteers regularly conduct seminars on how seniors can protect themselves from becoming crime victims. Contact Seniors vs. Crime for program information, consumer inquiries, consumer complaints or to schedule a Consumer Seminar. The AARP.org website offers many educational articles on how to avoid scams and the latest news on fraud.

National Fraud Information Center (202) 835-3323 ext. 815 www.fraud.org This site provides a broad education on many types of scams and includes links for Fraud Against Older Adults, Identity Theft and Drug Pharmacy Scams. There is information on the latest scams as well as guidelines on how to spot a scam and file a complaint. Call the National Fraud Information Center if you think a crime has been committed.

Keys to Living

Internet Security

Monroe County Sheriff’s Office

For general computer information go to Part II: Staying Connected: Living the Good Life: Internet/Computers. The age-old caveat still applies in the 21st century: if it seems too good to be true—it probably is a scam. As technology expands, opportunities for con artists and scammers also increase. Sadly, many consumers are unaware that they have been victimized by Internet scams or may not realize that their actions online have exposed them to fraud until it is too late. Cyber fraud can take many forms. For example, think twice before filling out surveys that promise coupons or that offer prizes or gifts. You may find unauthorized charges on either your landline or wireless phone bills or unauthorized debits from your credit cards or bank accounts.

Internet Security Agencies Florida Attorney General’s Office

Local fraud and crime alerts are available by calling (305) 853-3211 or attending a community Crime Watch meeting to find out about this service. See Part I: Services: Emergency.

Internet Crime Complaint Center (IC3) This federal agency partners with other law enforcement agencies to research, develop and refer criminal cyber complaints to federal, state, local or international law enforcement for investigation. File a complaint online at www.ic3.gov.

Federal Trade Commission (FTC) If you are a victim of identity theft, close all affected accounts and file a report with the police. Then file a report with the FTC by calling their ID Theft Hotline (877) 438-4338 or visiting their website, www.consumer.gov/idtheft.

Its dedicated Cyber Fraud section reviews, investigates and enforces penalties against companies or individuals who dupe consumers through Internet-related fraud. File a complaint by calling the Attorney General’s Citizen Services

USA.gov

hotline at (866) 9-NO-SCAM. In addition, if you are a senior citizen, you should contact the Florida Elder Abuse Hotline at (800) 96-ABUSE.

Citizen/Topics/Internet-Fraud.shtml. If you discover that you have become a victim, you can contact the same website to report the incident.

Lastly, USA.gov reports that the best way to fight Internet fraud is to learn how to avoid becoming a victim. Visit the official web resource at www.usa.gov/

Keys to Living

Preventing Solicitations

Do Not Call Registry

Businesses—digital and brick and mortar —use mail and email to market their goods and services. Unfortunately, con artists also use these methods.

(888) 382-1222

Use the services provided in this section to reduce your exposure to solicitations. Register with each agency for the best results. When you register on any website, you should look towards the bottom of the page or form for the “Send me offers and promotions…” option. The default is often “yes.” Deselect it or select “no.” Bank, insurance and credit card Privacy Statements include an Opt Out opportunity. Don’t just trash the Privacy Statements. Take advantage of this option or they legally can sell your information. If you receive unwanted solicitations from companies with whom you already do business or from charities, political organizations and telephone surveyors, ask them to place you on their “internal do not call list.” For unwanted mail solicitations from these companies and groups, you must write to them and ask to be removed. Also ask the three major credit bureaus not to disclose your personal information for promotional purposes.

(866) 290-4236 TTY www.donotcall.gov This national registry, managed by the Federal Trade Commission, lets you choose not to receive telemarketing calls. Register by phone or online. Telemarketers should not call your number once it is on the registry for 31 days. Register once. If you do get telemarketing calls, you can file a complaint by phone or online.

Florida Do Not Call Program Consumer Assistance Center (800) 435-7352 www.fldnc.com Subscription to the Florida Do Not Call list is free for residential and mobile phone numbers. Use the website to register all your phone numbers. Your number will remain on the list for five years. Use their “Resources” link to file a complaint if you continue to receive calls.

Opt Out Program (888) 5 OPTOUT (67-8688) www.optoutprescreen.com Unsolicited, pre-approved credit card offers are also a security risk. They can be stolen from your mailbox and filled out. Call and request that credit reporting companies exclude your name from offers for credit cards and insurance.

Keys to Living

Catalog Choice www.catalogchoice.org This organization offers free service to opt out on unwanted catalogs, coupons, credit card offers, phone books and circulars. Register online and then go to their alphabetical list of more than 4,000 companies. Once you click to submit your opt-out preferences, they will contact the companies on your behalf. They also have additional fee services for those who do not have a computer, smart phone or tablet. MailStop Envelope is a mail-in program for stopping unwanted junk mail. For a small fee, you will receive a large postage-paid MailStop Envelope. Collect address labels and the emptied envelopes of unwanted mail and put them into the MailStop Envelope. When the envelope is full, you mail it back to Catalog Choice, which

contacts the companies to take you off their mailing lists. This method is especially useful if you are taking care of an elderly person or the estate of a deceased person, where the mail piles up.

Direct Marketing Association (212) 768-7277, ext. 1888 www.DMAchoice.org You can stop junk mail by registering here. If you want to manage mail sent to a dependent in your care, you will need to register for the Do Not Contact for Caregivers List. To stop mail from being sent to a deceased individual, you will need to register for the Deceased Do Not Contact List. You also will find consumer guides on this site for safe online shopping, online security issues and how to stop sweepstakes and other junk mail.

Keys to Living

Home and Car Insurance Resources You work hard to save for your retirement, provide shelter and acquire assets. Insurance is one option to protect those assets. Age sometimes has its privileges with insurance. Many agencies offer senior incentives as a way of attracting business. Weigh the difference between what local insurance providers offer and what national providers deliver. A local insurer can quote coverage for personal home, auto, boat, commercial and life insurance. They serve you as a client over the years and understand the policy needs you might encounter living in the Keys and possibly elsewhere in a second home. National companies sell policies directly and through local agents. Ask how you can reduce your premiums. When you speak to an agent, include information on your lifestyle. Recent changes could save you hundreds of dollars. For example, if you stopped working and no longer drive as many miles, your vehicle insurance may be reduced. Taking a Safe Driver class also can reduce your rates.

Home Insurance Advocates Fair Insurance Rates in Monroe (FIRM) (305) 294-3476 Key West www.firmkeys.org FIRM is a Monroe County grassroots organization comprised of local homeowners, businesses and residents who are “… united to fight against excessive, discriminatory and unaffordable residential, condominium and commercial property insurance rates.” FIRM has had success in keeping windstorm and flood insurance rates down for all Monroe County residents

and businesses. Keep up with their legislative efforts by visiting the website or signing up to receive emails. Support their work by becoming a member.

Driver Resources Taking these courses may qualify you to save money on your insurance. A number of companies meet Florida standards for driver insurance discount courses. Among them are AARP, AAA and several online companies. Visit www.flhsmv.gov and search “Mature Driver Insurance Discount” for a list of eligible companies.

Keys to Living

Progressive Insurance offers the Snapshot Program, a usage-based insurance program. Drivers of any age can turn 30 days of good driving into savings—of up to 30 percent—on their car insurance. GEICO, USAA and State Farm offer a 5-percent to 15-percent discount to policyholders who successfully complete a Defensive

Rising property insurance cost is a major threat to the economic health of the Florida Keys.

Join the fight Become a member today! FIRMKEYS.ORG • Fighting against excessive and discriminatory wind and flood insurance rates in the Florida Keys

Driver class and meet certain requirements. Visit their sites for more information.

• FIRM is a 4000+ member non-partisan, grassroots organization founded in 2006 • FIRM is funded entirely by contributions from individuals, businesses, local governments, and civic organizations

AAA Senior Driving www.seniordriving.aaa.com Online videos and information let you evaluate your driving, help you understand mind and body changes seniors experience and list tools to maintain your independence.

AARP Safe Driver Class (305) 852-1620 www.aarpdriversafety.org This day-long class teaches rules of the road, defensive driving techniques and how to operate your vehicle more safely in today’s increasingly challenging driving environment. You will learn adjustments to accommodate for common age-related changes in vision, hearing and reaction time. The classes are offered at least six times a year.

Fair Insurance Rates in Monroe 305-294-3476 • firm@firmkeys.org 422 Fleming St. #5 • Key West, FL 33040

Advanced Driver Rehabilitation (305) 770-0747 1031 Ives Dairy Rd., Ste. 228 North Miami Beach This specialist is based in Miami but comes to the Upper Keys for an added fee. She evaluates and trains drivers with stroke, Parkinson’s, age-related and other health issues through clinical and on-theroad-assessments. No medical insurance is accepted.

Baptist Outpatient Driver Rehabilitation (786) 596-5188 Baptist Medical Arts Building 8900 N. Kendall Dr.

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Miami www.baptisthealth.net The Disabled Driver’s Education and Training program offers evaluation and training on specialized equipment to develop driving skills. Search “disabled driver.” Insurance is not accepted.

Florida GrandDriver flhsmv.gov/floridagranddriver This website gives drivers and family members tools to assess driving skills. There are links to self-assessment as well as driver rehabilitation specialists.

Safe Mobility for Life Coalition Fitness-to-Drive Screening fitnesstodrive.phhp.ufl.edu The University of Florida offers an

(850) 410-5414 www.safeandmobileseniors.org This Florida Department of

online tool for occupational therapy practitioners, family members and caregivers of older drivers to identify atrisk aging drivers. The screening helps assess driving skills and provides

Transportation program offers a wealth of resources, including a Guide for Aging Drivers. The information is provided to seniors, family members and caretakers to help prepare for the day

recommendations for follow-up steps.

when seniors retire from driving.

Carol Chabinak (305) 393-0125 • Carol@TheKeysRealEstate.com

Robert White (305) 712-0040 • Robert@TheKeysRealEstate.com

w w w. T h e K e y s Re a l E s t a t e . c o m 58

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Home and Car Insurance Providers In Florida there are four types of home insurance: Homeowners, windstorm, flood and renters. Comparisons can be obtained by contacting an agent. Generally, if you have a mortgage in Florida, you must purchase homeowners, flood and windstorm insurance. Homeowners insurance offers you the most options for price negotiation since there are more companies to compete for your business and options you can control, such as reviewing the value of your contents for coverage and adjusting your deductible. Raising your deductible from $500 to $1,000 may save you as much as 25 percent. Flood insurance is regulated by the federal government. The rate will vary according to your Flood Zone. Zone X ratings are given to the highest elevation and have the lowest rates. Zone A designations are given to the lowest elevations. Check your zone/elevation at www.fema.gov and search â&#x20AC;&#x153;Flood Map Service Center.â&#x20AC;? Windstorm insurance protects your property from damage caused by wind during a hurricane or tropical storm. You can reduce your premium by modifying your house. Visit www.floridadisaster.org for a Florida Wind Insurance Savings Calculator. One way to lower your windstorm premium is to have a Mitigation Inspection of your home, certifying the various hurricane-rated features. A licensed inspector does this inspection. There is a charge for the inspection. The savings in the first yearâ&#x20AC;&#x2122;s premium usually outweigh any fee charged. For more information visit www.floridadisaster.org. Title insurance is a review of land records going back many years to reveal a title problem, such as a lien from a contractor in the past. It must be resolved before you go to closing. These companies often provide assessment services to ascertain the value of your property for any reason. Vehicle insurance premiums can be reduced by comparing rates, insuring multiple cars, raising your deductible and reviewing how many miles you actually put on your vehicle. Buying your home and auto policies from the same insurer may save 5 to 15 percent off your premium. A good credit score will lower your rates over all.

Keys to Living

Car Insurance Companies Allstate Milanes Insurance Group (305) 451-5211 www.allstateagencies.com

Morgan Hampson Insurance (305) 451-4788 102481 Overseas Hwy. Key Largo

Geico

www.tmigfla.com

(305) 595-2911 www.geico.com

Regan Insurance (305) 852-3234

Progressive

90144 Overseas Hwy. Tavernier www.reganinsuranceinc.com

(305) 451-4788 (305) 453-1445 www.progressive.com

Title Insurance and Services

State Farm

Absolute First Title

(305) 247-8031 www.statefarm.com

Property Insurance Companies Insurance by Kaiser (305) 367-3467

31 Ocean Reef Dr. Key Largo

Johnsons Insurance (305) 852-9247 89015 Overseas Hwy. Tavernier www.johnsonsinsure.com

(305) 451-0034 101925 Overseas Hwy. Key Largo www.absolutetitlefl.com

Coral Title (305) 451-6200 100360 Overseas Hwy. Key Largo (305) 664-9200 85999 Overseas Hwy. Islamorada www.coralreeftitle.com

Keys Insurance Services

Horizon Mortgage Services

(305) 453-1445 98840 Overseas Hwy. Key Largo www.keysinsurance.com

(305) 664-4664 83247 Overseas Hwy.

Islamorada

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Linda Perloff Realtor

305 394-2616 Linda@LPerloff.com www.LPerloff.com With 26 years experience, I have been a consistently top producing, full time Realtor in the Upper Keys. If you are considering selling, call me. Buyers, let me find just what will suit your needs. I know this market well. Easy to reach, always available to help. I appreciate referrals. The Realtor You Choose Makes The Difference Mile Marker 101.9 Oceanside 101925 Overseas Highway â&#x20AC;˘ Key Largo, FL 33037

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Legal The Legal section is divided into two groups. This first part addresses Elder Law and Special Needs Attorneys. It is followed by General Attorneys and Legal Services. Elder Law and Special Needs Attorneys cover the special legal issues encountered by seniors, Veterans and people with disabilities and their families on matters regarding retirement income, long-term care, education rights and lifestyle and housing needs. Some also counsel on the issues that LGBT and domestic partners face. In addition they handle wills, trusts, living wills, durable powers of attorney for property and health and insurance as they pertain to this special group of individuals. The highest level of this specialty is a Certified Elder Law Attorney (CELA). CELA professionals are certified by the National Elder Law Foundation (NELF), a nonprofit organization that advocates professional competency in lawyers in the area of Elder and Special Needs Law. To become certified, the attorney must demonstrate a high-level of competence in the specialty through years of experience, peer review, education and testing. The Florida Bar also certifies Elder Law attorneys. Florida Bar board-certified Elder Law attorneys also must meet specialty competency similar to NELF’s and must sit for the Elder Law Exam. Search “elder law” on the website, www.floridabar.org. A third qualification of interest to seniors is the American College of Trust and Estate Counsel. Members are elected after nomination following demonstration of substantial experience and contributions to the field of trusts and estates law. Visit www.actec.org. There are no CELAs in the Keys. We list CELAs within 75 miles. Our list also includes Keys attorneys who are Elder Law Florida Bar certified, members of an elder law association with specialty experience or members of the American College of Trust and Estate Counsel.

Resources National Academy of Elder Law Attorneys

The National Elder Law Foundation

(703) 942-5711 www.naela.org Members of this association specialize in legal matters related to the elderly and individuals with special needs.

(520) 881-1076 www.nelf.org The foundation provides information about elder and special needs law and lists certified attorneys.

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Elder Law and Special Needs Attorneys Elder Law Associates, P.A. (305) 682-8330 7284 W. Palmetto Park Rd. Boca Raton www.elderlawassociates.com Firm partners, Ellen S. Morris and

Holland & Knight Christopher Boyett (305) 789-7790 701 Brickell Ave., Ste. 3300 Miami www.hklaw.com

Howard S. Krooks, both CELAs, handle Medicaid and long-term care planning, residents’ rights in nursing homes and assisted-living facilities, special needs and asset preservation, probate and estates,

This fellow of the American College of Trust & Estate Counsel gives advice on

guardianships and Veterans’ aid planning. The main office of this firm is in Boca, but they meet with clients in Miami for convenience.

(954) 382-1997 1776 N. Pine Island Rd., Ste. 208

Elder Law Center of Mondschein and Mondschein, P.A. (305) 274-0955 10691 N. Kendall Dr., Ste. 205 Miami www.miamieldercarelawyers.com Leonard Mondschein, CELA certified, provides services including guardianship, living wills and healthcare surrogates, Medicaid and estate planning, special needs trusts and Veterans’ benefits.

sophisticated estate-planning strategies. Stephanie L. Schneider, P.A.

Plantation www.fl-elderlaw.com This CELA attorney counsels on Medicaid, asset preservation, domestic partner and LGBT plans, Veterans’ benefits, estate and special needs plans, probate and trusts.

Richard Warner, P.A. (305) 743-6022 12221 Overseas Hwy. Marathon www.rewarnerlaw.com A fellow of the American College of Trust & Estate Counsel, this Middle Keys attorney includes wills, trusts, probate, personal representative/executor support and estate planning among his services.

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General Attorneys and Legal Aid Agencies The types of law are numerous. Some firms handle a variety of types, others specialize. When you research attorneys ask about his or her experience in your area of concern. Several local legal aid agencies offer free limited assistance preparing documents such as a durable power of attorney, healthcare surrogate and living will for clients over 60 years old.

Attorneys Randall Edward Baad (305) 396-7267 89240 Overseas Hwy. Islamorada

Gustav Harvey Crowell (305) 852-3206 171 Hood Ave. Tavernier

James P. Barrett (305) 831-1104 101425 Overseas Hwy., Ste. 135 Key Largo

Patricia Gessel (305) 453-5277

James (Jack) R. Bridges (305) 451-0670 116 Porto Salvo Dr. Islamorada

Griffin, Serrano & Ewing Jonathan A. Ewing Eric D. Griffin, Jr. Lisa Heller

Charles H. Brodzki (305) 517-9542 44 W. Plaza Granada Islamorada Terry L. Carbonell (239) 633-0077

99530 Overseas Hwy., Ste. 2 Key Largo

Juan R. Serrano (305) 852-5500 89240 Overseas Hwy. Tavernier Gunster Law Timothy N. Thomes (305) 367-2324

Catarineau & Catarineau Joe A. Catarineau (305) 852-4833

99198 Overseas Hwy. 35 Ocean Reef Dr., Ste. 145 Key Largo

91750 Overseas Hwy. Tavernier

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James E. Hack (305) 853-0028 89240 Overseas Hwy., Ste. 1 Tavernier Dorothy Harden (305) 852-3533 88101 Overseas Hwy. Islamorada Hershoff, Lupino & Yagel Jay Adrian Hershoff James Samuel Lupino Brittany Nugent Miller Jessica L. Rothenberg Robert C. Stober Aislynn Thomas-McDonald Russell Allen Yagel (305) 852-8440 90130 Old Hwy. Tavernier Hoffman, Larin & Agnetti John Agnetti Martin Hoffman Carolina Leyva David Perkins (305) 407-1235 82681 Overseas Hwy. Islamorada

Hutchison & Tubiana David G. Hutchison Vincent J. Tubiana (305) 451-0013 103200 Overseas Hwy. Key Largo John Alexander Jabro (305) 852-9233 90311 Overseas Hwy. Tavernier The Legal Center Joe F. Miklas Michael Strickland (305) 852-7225 88765 Overseas Hwy. Tavernier James S. Mattson (305) 451-3951 99198 Overseas Hwy., Ste. 6 Key Largo Diane McGuire (305) 619-0260 Nicholas W. Mulick (305) 852-9292 91645 Overseas Hwy. Tavernier

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Urban J. Patterson (305) 664-5065 82681 Overseas Hwy. Islamorada

Turner & Lynn, P.A. John Lynn Sandra T. Lynn (305) 247-6521 7 Barracuda Ln. Key Largo

Restivo, Reilly & Vigil-Fari単as William James Bosso, III Lora Damiani Jessica Reilly Bernadette Restivo

Vernis & Bowling of the Florida Keys Scott C. Black Matthew S. Francis

Elena Vigil-Fari単as (305) 453-4961 103400 Overseas Hwy., Ste. 237 Key Largo

Mark Hruska Theron Simmons Dirk M. Smits (305) 664-4675 81990 Overseas Hwy.

Silver Law Group John William Annesser, II Robert Andrew Bernstein Michael John Healy Patricia M. Silver (305) 664-3363

Islamorada Professional Center Islamorada Dennis William Ward (305) 709-9875 10 High Point Rd., Unit C

87889 Overseas Hwy. Islamorada Deborah A. Terzian (305) 664-8500 120 Porto Salvo Dr.

Tavernier Joseph Bryan Wolkowsky (305) 852-5661 185 Coconut Row Tavernier

Islamorada Andrew M. Tobin (305) 852-3388 88101 Overseas Hwy Islamorada

Thomas Edward Woods (305) 664-2200 116 Porto Salvo Dr. Islamorada

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Legal Aid Services

Legal Services of Greater Miami & the Florida Keys (LSGMI)

benefits as: Medicaid/Medicare, Food Stamps, Cash Assistance (TANF and Relative Caregiver Benefits), Veterans’ benefits and help with IRS problems. Legal Services also represents tenants in

The Law Offices of

Nicholas W. Mulick

Experienced Florida Land Use, Environmental and Zoning Attorney

(877) 715-7464 www.lsgmi.org LSGMI schedules in-person meetings with an attorney for Upper Keys clients who are eligible for services. Vulnerable groups, including Veterans and the elderly, working poor and unemployed can qualify for free assistance with such government

We offer legal services in the following areas: • • • •

Land use Environmental law Zoning law Code enforcement violations

• • • •

General civil litigation General civil appellate practice Probate Administrative law

Contact a professional and knowledgeable Monroe County lawyer.

Call The Law Offices of

Nicholas W. Mulick 305.852.9292 91645 Overseas Hwy. • Tavernier, FL 33070 MulickLaw.com Se habla español.

select landlord tenant cases and homeownership, including foreclosure. LSGMI provides anyone over 60 years old with limited services for free, including: a Durable Power of Attorney, Healthcare Surrogate and Living Will. Check their website for self-help tools, such as videos.

Senior Legal Helpline (888) 895-7873 www.elderaffairs.state.fl.us/index.php The Senior Legal Helpline provides a list of state-run services: Legal Assistance Programs, Legal Services and Referrals, Elder Law Practitioners. It offers legal advice and brief services by phone.

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Taxes Benjamin Franklin said, “In this world nothing can be said to be certain, except death and taxes.” The good news is that with exercise, a healthy diet , socializing and good genes, we often can put off the former, and with smart planning, we can reduce the latter. All the listed firms prepare income tax returns and provide representation. In addition, they all, except for H&R Block, provide accounting services—tax planning, bookkeeping and financial reports. Some do auditing and estate and trust planning, assist with buying and selling businesses and provide debt and financing consultation. (See Financial Planning.) Firms with an E.A. after their names have an Enrolled Agent on staff. Unlike a C.P.A., who can deal with a range of financial issues, including taxes, an enrolled agent focuses on tax preparation. Some accounting firms have both C.P.A.s and E.A.s on staff. An E.A. must pass a comprehensive IRS test covering individual and business taxes.

Tax Preparation Assistance Tax Counseling for the Elderly (TCE) Volunteer Income Tax Assistance (VITA) (888) 227-7669 irs.treasury.gov/freetaxprep www.aarp.org/money/taxes The IRS and AARP collaborate to offer TCE and VITA programs. TCE provides free tax help for anyone, but gives priority to people who are over 60 years old. Volunteers are especially knowledgeable about issues important to seniors, such as pensions and retirement issues. VITA offers free tax help to people who make $53,000 or less and need help preparing their tax returns. IRS-certified volunteers provide basic income-tax

return preparation with electronic filing. Clients learn about Earned Income Tax Credit, Child Tax Credit and Credit for the Elderly or the Disabled. AARP’s Tax-Aide service lists locations for tax services beginning in late January and running through April 15th. Check the Public Library.

Tax Tips for the Legally Disabled Taxpayers who are legally disabled qualify for special tax deductions and credits allowed by the IRS Let your tax preparer know if you or a family member have a disability. Knowing about these deductions and credits can clarify which receipts and documents to save.

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Tax and Accounting Services Catarineau & Catarineau, C.P.A. (305) 852-4833 91750 Overseas Hwy. Tavernier www.taxcatcpa.com

H & R Block (305) 451-2562 101411 Overseas Hwy. Key Largo www.hrblock.com For simple tax needs use their free online preparation and filing program.

Jim Grainger, C.P.A. (305) 664-5583 Islamorada www.pribramskycpa.com

Anne Harris, C.P.A. (305) 852-2257 Tavernier

Keys Accounting, E.A. (305) 451-3464 99411 Overseas Hwy. Key Largo www.keysaccounting.com

Thomas McDonald, C.P.A. Joan Vasko, E.A. (305) 852-3323 91551 Overseas Hwy. Tavernier

Pribramsky & Co., C.P.A., C.F.E. (305) 735-4325 81990 Overseas Hwy., Ste. 202 Islamorada www.pribramskycpa.com

Tolley & Hill, C.P.A. (305) 852-9898 102411 Overseas Hwy. Key Largo www.tolleyandhillcpa.com

Tropical Tax Solutions, E.A. (305) 451-4829 99353 Overseas Hwy., Ste. 214 Key Largo www.tropicaltax.com

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SERVICES City, County, State and Federal Agencies Government at all levels provides health, housing, transportation, food, safety, special needs assistance and other services that most residents use.

City and County Government Centers Islamorada Village of Islands Monroe County: Key Largo/Tavernier (305) 664-6400 Murray Nelson Government Center 86800 Overseas Hwy. Islamorada www.islamorada.fl.us Islamorada is an incorporated city in Monroe County. The Village Council is the governing board and meets on alternate Thursdays. The building houses department offices for Building, Public Works, Parks, Sheriff and Budget. The government building is located in Founders Park, where there is a dog park, the Ron Levy Aquatic Center, a skate park and a marina on the bay.

The local’s resource guide to the Upper Keys!

Keys to Living A Practical Guide to Living a Long Life in Key Largo • Tavernier • Islamorada

Pick up a copy at Upper Keys public libraries and local businesses and download or read the eBook at

(305) 453-8787 102050 Overseas Hwy. Key Largo

www.monroecounty-fl.gov Key Largo and Tavernier are part of Unincorporated Monroe County. The Board of County Commissioners is the governing board. Monthly meetings are rotated between three county locations: Upper, Middle and Lower Keys. This building houses the Commissioner’s office for District 5 as well as the Health Department, Building and Zoning, Code Enforcement, Veterans Affairs, Supervisor of Elections and Sheriff’s Office. The Cultural Center and a lobby with artwork by local artists are also in the building. A bay front park, open 24 hours a day, offers space for events and a dog-friendly stroll.

www.FloridaKeysLiving.org

Keys to Living

Community & County Agencies Monroe County Social Services (305) 852-7125 88770 Overseas Hwy. Plantation Key (305) 289-6326 490 63rd St., MM 50 Marathon www.monroecounty-fl.gov At this hub of resources, applicants who meet certain financial and health criteria can get assistance with rent payments, prescriptions, personal care items, transportation, food and utilities. Some of the services are provided in partnership with other state and federal agencies. In the event an elderly person is having difficulty getting prescriptions filled because of coverage issues, the agency can pay for a 30-day supply of medications for the individual.

Alzheimer’s Disease Initiative (ADI) (305) 852-7125 Many Alzheimer’s patients require care 24 hours a day, especially in the late stages of the disease. ADI respite for caregivers includes in-home, facility-based, emergency and extended-care services (up to 30 days). The supportive services may include caregiver training and support groups, counseling, consumable medical supplies and nutritional supplements. The Alzheimer’s Respite Provider or the Alzheimer’s Support Group is authorized by a case manager based on a comprehensive assessment of needs.

Alzheimer’s Association of Southeast Florida

Monroe County In-Home Services

(800) 272-3900 www.alz.org/seflorida Through a 24-hour helpline, this Miamibased Alzheimer’s organization provides free counseling resources in English and Spanish for caregivers. Choose among three telephone

(305) 852-7125 It operates under Social Services as a provider of in-home support services to frail, impaired elderly and disabled adults who are residents of Monroe County.

support groups: Early Onset, Caregivers and Bereaved Caregiver. Use the online community resource finder— www.communityresourcefinder.org—to access a comprehensive list of

They assist individuals in their homes, or the homes of family or friends, to allow seniors to live dignified and reasonably independent lives.

Alzheimer’s and dementia resources, programs and services. And connect with other caregivers and patients via the message board, www.alzconnected.org

The agency also can help with nursing home placement.

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Community Care for the Elderly

Dade-Monroe Express Bus

(305) 852-7125

(305) 891-3131

(800) 963-ELDER (5337) This agency addresses the special needs of the elderly. Eligible clients may receive a range of goods and services, including: adult daycare, adult healthcare, case aide,

www.miamidade.gov/transit The Dade-Monroe Express Route 301 offers weekday scheduled bus stops in Key Largo at MM 98, Tavernier at MM 87 and Islamorada at MM 74 with its

case management, companionship, chore assistance, consumable medical supplies, counseling, escorts, emergency alert response, emergency home repair, homedelivered meals, home health aids,

terminuses at Wal-Mart in Florida City on the north end and Marathon on the south end. Other public transportation can take you to points north and south. You also can hail the bus anywhere along the route.

homemaker assistance, home nursing evaluations, information and referral, legal assistance, material aid, medical therapeutic services, respite assistance, transportation and shopping and personal care assistance.

Community Care for Disabled Adults (305) 852-7125 (866) 762-2237 www.myflfamilies.com The State of Florida Department of Children and Families oversees this program to meet the otherwise unmet

Florida Keys Electric Cooperativeâ&#x20AC;&#x201D; Operation Roundup (800) 858-8845 (305) 852-2431 www.fkec.com Funds, accumulated by rounding up each customerâ&#x20AC;&#x2122;s electric bill, are available to local individuals, families or organizations with special needs or requests. Each application is reviewed and verified by the board. See Part IV: When You Need More.

Home Care for the Elderly

needs of disabled residents.

(305) 852-7125 (800) 963-ELDER (5337)

Congregate Meal Program

A basic monthly subsidy is provided to help you stay in your home. In addition, special subsidies may be authorized for incontinence supplies, medications, medical supplies, wheelchairs, assistive

(305) 852-7125 The program provides meals and activities at Plantation Key Senior Center, MM 88, and Marathon Senior Center, MM 49.

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devices, ramps and home accessibility modifications, nutritional supplements, a home health aide, home nursing and other services. Formal case management is provided when needed.

Home Delivered Meals (305) 852-7125 (800) 963-ELDER (5337) Similar to Meals on Wheels, this service provides safe and nutritious meals delivered to the door of homebound older Floridians. The goal is to reduce hunger and food insecurity while promoting health and well being. Priority is given to those residents who are frail, homebound or isolated.

Monroe County Transportation (305) 292-4424 Reservations www.monroecounty-fl.gov This service offers low-cost, door-to-door transportation for residents—especially for disadvantaged, elderly and disabled residents and their escorts—for medical appointments, grocery shopping, employment or other appointments. Register with Monroe County Social Services before booking your first ride. Call as far ahead as one week to book transport. It serves best when you allow a flexible schedule for your needs. The service operates Monday through Friday only. All vehicles are equipped with a lift for wheelchairs. Cancel a ride by calling (305) 295-4373. On the website follow the “Resident” link to Transportation.

Low Income Home Energy Assistance Program (LIHEAP)

Special Needs Registry

(305) 852-7125 The program provides grants through local government to assist eligible lowincome households in meeting the costs of

(305) 292-4591 The registry program serves residents who need special assistance during an evacuation or require a special shelter due to physical and mental

home heating and cooling. LIHEAP has three categories of assistance: home-energy assistance, crisis assistance and weather-related or energycrisis assistance. Each program category has unique eligibility requirements.

disabilities. Seniors who have no other support for evacuation are encouraged to sign up early in the year, before June. See also Part I: The Basics: Services: Hurricane and Evacuation Safety.

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County Taxes Monroe County Tax Collector

County Property Tax Exemptions Monroe County Property Appraiser

(305) 853-7350 101463 Overseas Hwy. Tradewinds Plaza

(305) 852-7130 88700 Overseas Hwy. Tavernier

Key Largo www.monroetaxcollector.com Property tax statements are normally mailed out on or before November 1st of each year. The gross amount is due by

www.mcpafl.org/Exemptions.aspx Tax exemptions can be worth thousands of dollars. Some amounts change from year to year. Some exemptions are renewed automatically, while others need to be

March 31st. Discounts apply for early payment (November to February). Taxpayers may choose to pay their property taxes quarterly by participating in an installment payment plan. Those

reapplied for each year. Homestead Exemption: This is now $50,000: $25,000 off your assessed value and an additional $25,000 off the taxing authorities except for the School Taxing

who qualify must fill out and return an Installment Plan application form to the Tax Collector prior to April 1st. The plan application forms are available at all county tax offices.

Authorities. To qualify for the first time, you must have legal title to the property, as recorded in the official records of Monroe County, and reside as a permanent resident. Details are on the website. Assistance is

Real estate taxes become delinquent each year on April 1st. Delinquent taxes must be paid by cash, cashiers check or money order; penalties apply. The date the payment is received in the office

available by phone. The Save Our Homes amendment, which affects homesteaded property only, limits the yearly assessed value at a threepercent increase from the prior year's

determines the amount due. Florida Statutes require the Tax Collector to advertise the delinquent parcels in a local newspaper, once a week for three consecutive weeks in May and June, prior

assessed value or the CPI % (Consumer Price Index), whichever is lower. This amendment prevents drastic changes in the assessed value of homesteaded property in Monroe County due to an

to the tax-certificate sale.

increasing market value.

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Senior Citizen Additional Exemption: Residents 65 years and over and whose income qualifies under a means test may apply annually for a $50,000 tax benefit (applicable to certain taxing authorities). Widow/er Exemption: This is currently a $500 exemption. Surviving Spouses of First Responders Exemption: This is currently 100 percent exemption on property tax. Deployed Military Exemption: Activeduty personnel who own homesteaded property and were deployed in Operation Enduring Freedom and Operation New Dawn may qualify for property tax exemption. Tangible Property Tax Exemption: Residents who own businesses may apply for a tax exemption on tangible property. Disability Exemptions: Exemptions, ranging from $500 to total property tax exemption, apply to disabled residents who own homesteaded and nonhomesteaded property. There are various levels of qualification for disabled residents, disabled Veterans and surviving spouses of disabled Veterans and those who died while in service.

State Agencies Department of Motor Vehicles (305) 853-3562 101463 Overseas Hwy. Tradewinds Plaza Key Largo (305) 852-7150 88800 Overseas Hwy. Tavernier www.flhsmv.gov Offices provide: ID Cards, disabled parking permits, vehicle/boat registration and driver license information. You can also renew your driver license online at www.GoRenew.com. Only the Key Largo office issues driver licenses and ID cards. The Tavernier office does all other services. Vehicle registration requirements: Before registering your vehicle, you must obtain Florida auto insurance and have a title and verification of the vehicleâ&#x20AC;&#x2122;s VIN number. The auto insurance must be purchased from an insurance company licensed by the Florida Office of Insurance Regulation. Floridaâ&#x20AC;&#x2122;s minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). To obtain a driver license in Florida requires a test of hearing, vision, written road signs and rules and a driving test. Special rules apply for anyone with limitations in hearing and vision. To apply for a disabled parking

Keys to Living

permit, disabled residents must have a current Florida driver license or a Florida identification card and an application signed by a physician. Since older drivers may suffer debilitating conditions that over time can place them in an at-risk status, it is sometimes prudent to attend a driver safety class or get an assessment of your or your loved oneâ&#x20AC;&#x2122;s driving skills. See Part I: The Basics: Wealth: Insurance: Florida Senior Safety Resource Centers. If you suffer from medical conditions that may cause debilitation, such as diabetes or epilepsy, the Bureau of Motorist Compliance Medical Review can place an indicator on your license and record to show that you are required to wear a medical identification bracelet while operating a motor vehicle. You can have this done for your own safety at a local driver license office.

front seat must wear a seat belt. And all passengers under 18 years old must wear a seat belt or be otherwise restrained by a child car seat.

Supervisor of Elections Murray Nelson Government Center (305) 453-8740 102050 Overseas Hwy. Key Largo Marathon Government Annex (305) 289-6017 490 63rd St., MM 62 Marathon Key West Government Office (305) 292-3416 530 Whitehead St. Key West

www.keys-elections.org The Supervisor of Elections handles voting in Monroe County. Due to possible

If your license has been revoked due to a medical condition, there are steps you

changes in regulations, you should call the Supervisor of Elections office to confirm the following information. To vote in Monroe County, you must be a county resident and you must register.

can take to have your situation assessed, which could lead to having your license reinstated. You should contact the Bureau of Motorist Compliance Medical Review at (850) 617-3814.

You can register at any office of the Supervisor of Elections. You also can pick up an application online or in any of the following locations: local banks, driver license office at Tradewinds Plaza, public

You are required by law to wear a seat belt in Florida. All passengers in the

libraries, social services agencies and chambers of commerce. You also may call

Keys to Living

the Supervisor of Elections to have a registration form mailed to you. You may make a change of address by phone if you are registered to vote in the state of Florida. Registration books are closed 29 days prior to an election. All new registration applications and party change requests must be received by a voter registration agency or be postmarked on or before that date to be eligible to vote in the election. Voting can be done in person or by mail. Obtain or request an absentee/mailin ballot in person, by mail, telephone or email (absentee@keys-elections.org). Someone may bring your written and signed request to the Elections Office. Your voted ballot must be received by 7 p.m. election day at your nearest Monroe County Supervisor of Elections office. A voted absentee ballot cannot be accepted at a polling place on Election Day, unless the voter spoils his absentee ballot and is issued a precinct ballot to be cast at that precinct. Monroe County participates in Florida Early Voting. Early Voting is at the Murray Nelson Government Center and begins at least seven days before an election and ends on the Saturday before an election. The 2016 Voters Guide is online and has dates for the 2016 elections. Election Day Polling Places are listed on the website.

Clerk of the Circuit Court (305) 852-7145 88820 Overseas Hwy. Tavernier www.keyscourts.net Names for jury duty are selected at random from the database of Monroe County residents 18 years of age and older who are registered with the Department of Motor Vehicles. Usually jurors serve for one day or the length of one trial. If you are not employed full-time, you will be compensated at the rate of $15 per day. If there are compelling circumstances that affect your ability to serve, you may request an excusal or postponement by filling out and returning the excuse form attached to your notice to serve.

Department of Elder Affairs (800) 963-ELDER (5337) www.elderaffairs.state.fl.us/index.php Florida offers many services and a wealth of information to its residents through its Department of Elder Affairs. The following are representative of those listed. The contact number above can be used for information for any of the programs. The website will link you to these programs and others. See Part IV: When You Need More: Getting the Care You Need.

Keys to Living

Alliance for Aging

Long-Term Care Ombudsman

(305) 670-6500

(888) 831-0404

www.allianceforaging.org The Miami-based center connects you with services for meals, recreation, adult daycare, personal care, legal help, transportation and more. The site links to

(850) 414-2323 The program advocates on behalf of residents of long-term care facilities through a statewide system of 17 district councils of volunteer ombudsmen.

a caregiverâ&#x20AC;&#x2122;s assessment and resources.

Ombudsmen identify, investigate and resolve complaints made by or on behalf of residents of nursing homes, assistedliving facilities and family care homes.

Disaster Preparedness Guide www.elderaffairs.state.fl.us/index.php Use the Disaster Preparedness link to download a helpful PDF document available in English and Spanish. The guide gives detailed information for elders on hurricane safety before, during and after the storm, as well as tornado and flood preparedness. The document also gives information on managing cold weather, heat stroke and motor vehicle emergencies. If you do not have Internet access, SHINE, (800) 963-5337, can provide a Disaster Preparedness newspaper edition.

Florida Governorâ&#x20AC;&#x2122;s Council of Indian Affairs (850) 488-0730 www.fgcia.com The Council provides technical assistance for the educational, economic, social and cultural advancement of Native American citizens within the state of Florida.

SHINE (Serving Health Insurance Needs of Elders) (800) 963-ELDER (5337) www.floridashine.org SHINE is a free program funded through the federal Centers for Medicare & Medicaid Services and the Florida Department of Elder Affairs. It employs a statewide network of trained volunteers who can assist you one-on-one with free, unbiased health-insurance counseling, Medicare and Medicaid information, longterm-care planning and prescription drug advice. The program also provides resources for caregivers. The agency hosts enrollment events throughout the year. In addition, you can fill out a form online to request that a volunteer counselor call you or you can call their toll-free number. SHINE is always ready to train new volunteers.

Keys to Living

Statewide Medicaid Managed Care (877) 711-3662 (866) 467-4970 TTY This program provides Medicaid recipients benefits in the Long-Term Care Program and the Managed Medical Assistance Program. They will help you choose the Medicaid plan that you want based on your medical needs. They provide assistance with adult daycare, home-health agencies, assisted-living facilities, nursing services and hospice.

Florida Taxes Retirees flock to Florida for the sunshine and because it is one of nine states in the country which does not have a state personal income tax. Neither is there an inheritance, intangible personal property, gift or estate tax. Sales tax is moderately high, 7.5 percent in Monroe County. Florida also requires residents to pay a 6-percent use tax on Internet and out-of-state purchases â&#x20AC;&#x201D;even if no tax was charged at the time of purchaseâ&#x20AC;&#x201D;unless the amount is less than one dollar. File and pay the tax online or by mail after downloading and filing an Out-of-State Purchase Return. http://dor.myflorida.com/dor/taxes/ consumer.html. Real estate is taxed at 100 percent of assessed value, but there are exemptions,

which can result in significant tax savings. See Part I: The Basics: Government Services: County Tax Exemptions.

Federal Agencies Federal Jury Duty (800) 865-1775 301 Simonton St. Key West www.flsd.uscourts.gov Jurors for federal jury duty are pulled from voter registration rolls. The Key West courthouse serves all of Monroe County for federal civil and criminal trials. Your period of duty may be for petit or grand jury service. Jurors are compensated for each day of service and reimbursed for mileage. Check your notice of jury duty for details.

Office of Indian Services (202) 208-5116 www.indianaffairs.gov Tribal people with general questions about Indian affairs can turn to this service for answers. The site offers information about tracing Indian ancestry, scholarships for education, Indian Health Service and economic development funding. For more personal assistance, such as housing, food and special services, contact your local tribe.

Keys to Living

Federal Taxes The Florida Keys might be Paradise, but residents still have to pay Federal Income Tax each year by April 15, like everyone else in the nation. The IRS is not immune to scams. One of the most recent is the IRS Impersonation Scam. Hang up on anyone who calls you claiming to be an Internal Revenue Service (IRS) agent and tells you to send money immediately. This is a telephone scam. Nearly 3,000 victims lost more than $14 million recently because of IRS impersonation phone scams according to the Treasury Inspector General for Tax

Administration. Callers are sometimes aggressive and threatening. Hang up. The IRS does not use email, texting or social media to contact individuals regarding their taxes. They will only call you after they have mailed a bill to you using the United States Postal Service. If you are called by someone claiming to be an IRS agent and wanting to verify your tax obligation, you should call the IRS directly at (800) 829-1040. If you know you donâ&#x20AC;&#x2122;t owe taxes or have no reason to believe that you do, report the incident to the Treasury Inspector General for Tax Administration at (800) 366-4484 or at www.tigta.gov.

What You Need to Knowâ&#x20AC;Ś about voting at the polls Prepare before you go to the polls. Review sample ballots and a voting guide online, www.electionsfl.org, or at the Supervisor of Elections office. Newspapers also carry information about candidates and ballot issues. At the polls you receive a paper ballot in a secrecy folder and an audit ticket. To vote, you hand over your audit ticket and insert your ballot into the ICE (Image Cast Evolution) machine, where it is read and deposited into a locked ballot box. When the polls close, the ballots are tallied for each precinct, electronically transmitted within minutes of the polls closing, and then posted online. Election results are available on Monroe County Television (MCTV).

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Consumer Advocacy There are many organizations that advocate for consumers, representing thousands of consumers victimized by fraudulent, abusive and predatory business practices. Florida’s Lemon Law resolves disputes between car buyers and manufacturers. The law requires manufacturers to make a reasonable number of repairs if there are substantial defects in a new vehicle. If they fail to correct the defects, they are required to buy back the lemon vehicle. Contact them on the Lemon Law Hotline, (800) 321-5366. Research a used car before you purchase by checking the Vehicle Identification Number (VIN) on www.myfloridalegal.com. Search Lemon Law.

Attorney General’s Office (866) 966-7226 www.myfloridalegal.com Florida’s Attorney General oversees the Consumer Protection Division. It protects Florida consumers from businesses and individuals that engage in unfair and deceptive trade.

Call For Action (240) 747-0225 www.callforaction.org This program helps consumers resolve problems with businesses, government agencies and organizations. The services are free, confidential and available to everyone. When you contact the program, a volunteer listens to the problem and then contacts the company or agency directly to promote dispute resolution. It works cooperatively with

state and federal agencies to track and combat scams, including identity theft.

Department of Agriculture and Consumer Services (800) HELP-FLA (435-7352) www.freshfromflorida.com Protecting agriculture is only part of this agency’s mission. It also safeguards consumers and the environment. Disability Rights—Florida (800) 342-0823 www.disabilityrightsflorida.org This agency provides dispute resolution, negotiation and mediation support and advocacy assistance for disabled Floridians who have questions regarding their disability rights, especially if they believe they have been abused, neglected or violated because of their disability.

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Domestic Abuse Florida is home to almost 20 million people. Sadly, many have been subjected to abuse, neglect or exploitation, especially children, women, vulnerable adults and seniors. Local and state government agencies offer advocacy, support services and personal assistance for victims of abuse. The identity of anyone reporting abuse is kept confidential. Abuse often goes unnoticed. It can involve neglect, abandonment, physical, sexual, emotional and financial abuse. Self-neglect is an often unrecognized form of elder abuse. You can find local agencies to help fight abuse below. In addition, seniors can contact the national Eldercare Locator online at www.eldercare.gov or at (800) 677-1116.

Florida Abuse Hotline

Domestic Abuse Shelter (DAS)

(800) 96-ABUSE (2-2873)

(305) 451-5666

(800) 453-5145 TTY www.dcf.state.fl.us/programs/abuse Department of Children and Families’ Florida Abuse Hotline offers a way to report nonemergency concerns of child,

103400 Overseas Hwy., Ste. 235 Pink Plaza Key Largo www.domesticabuseshelter.org Anyone can be a victim of sexual and

disabled or senior abuse and/or neglect to a caseworker 24 hours a day. An emergency situation occurs when a child or elderly or disabled person appears to face immediate risk of

domestic abuse. Sanctuary is available at the shelter for up to six weeks. The shelter is a safe and secure environment with support that empowers its residents to take charge of their lives.

abuse, neglect or self-abuse that is likely to result in death or serious personal harm if there is no intervention. If your concerns meet the definition of an emergency situation:

Victims of all ages receive crisis intervention assistance, supportive counseling, children’s services, food, clothing, support group counseling and advocacy. Counselors can help shelter

FIRST, call the Monroe County Sheriff’s Office’s emergency line at 9-1-1. SECOND, contact the Florida Elder Abuse Hotline.

residents obtain government services. There is a toll-free, 24-hour confidential hotline staffed by trained professionals and/or volunteers.

Keys to Living

LET’S TALK ABOUT IT! If you are being abused call our 24 hour hotlines (305) 743-4440 or (305) 292-6647 DAS helps over 800 victims of domestic violence and sexual abuse every year. Administrative Office: ! Key West Outreach:! Key Largo Outreach:!

(305) 743-5452 (305) 294-0824 (305) 451-5666

The local’s resource guide to the Upper Keys!

Keys to Living A Practical Guide to Living a Long Life in Key Largo • Tavernier • Islamorada

This FREE 230-page book can be read in print, online or as a download to your computer, phone and tablet in searchable PDF format. Pick up a copy at Upper Keys libraries and local businesses and download or read the eBook from the website.

www.FloridaKeysLiving.org Visit our website often to find updates, new resources and community. Would you like to advertise in the next edition of Keys to Living—or place an ad on our webpage? Contact us at KeysToLiving.flkeys@gmail.com. Share tips and news on FaceBook - Florida Keys Living

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Emergency Dial 9-1-1 in an Emergency. 1) STAY ON THE LINE. Do not hang up. 2) STAY CALM. Try to explain what happened and what help you need. 3) ANSWER QUESTIONS. The dispatcher may ask questions to ascertain the seriousness of the situation: Is the patient conscious and alert? Is he breathing? Does he have a pulse? Is she bleeding? The dispatcher will tell you when to hang up. Monroe County employs an “Enhanced 9-1-1” phone system on landlines, not cell phones. This allows the dispatcher to see information, such as the address and phone number from the place the call originates. This system allows the ambulance to be sent even if you are unable to complete the call. If you or a loved one have a special situation that the dispatcher should know about to improve emergency responses, you should call Lt. Charlene Sprinkle-Huff, (305) 289-2351, to have the information added to the 9-1-1 system before an emergency strikes.

24-Hour Crisis Intervention Helpline of the Keys Dial 2-1-1 (305) 296-HELP (4357) www.switchboardmiami.org Helpline, based out of Miami, is a 24/7 confidential information, referral and crisis counseling hotline.

Seniors Never Alone (305) 646-3606 Volunteers at this helpline provide telephone reassurance for seniors and the homebound by accepting calls from seniors and calling them once a week.

Veterans Crisis Line National Suicide Prevention Lifeline and Veterans Crisis Line (800) 273-TALK (8255) www.suicidepreventionlifeline.org Trained counselors help callers who are in emotional distress or contemplating suicide. Veterans in crisis should Press 1.

(800) 273-8255 www.veteranscrisisline.net Veterans and their families and friends can receive confidential support from department of VA counselors through their hotline, online chat or by text—24 hours a day, 7 days a week.

Keys to Living

Ambulance and Medical Rescue Islamorada Fire Rescue (305) 664-4559 81850 Overseas Hwy. Islamorada www.islamorada.fl.us/Fire_Rescue.asp Islamorada Fire Rescue serves the community with a paramedic-trained staff 24 hours a day/365 days a year.

Key Largo Emergency Medical Services (305) 451-2766 98600 Overseas Hwy. Key Largo www.keylargoems.com Key Largo EMS serves the community 24/7 with a paramedic-trained staff. CPR and First Aid classes are offered weekly. They place automatic defibrillators in public places on request. The department offers Public Assist serviceâ&#x20AC;&#x201D;at no chargeâ&#x20AC;&#x201D;for residents who need help getting from inside their homes to private vehicles for transportation.

year. The department offers free Public Assist service to residents who need help getting from inside their homes to private vehicles for transportation.

Trauma Star Air Ambulance (305) 289-6010 Monroe County Fire Rescue transports victims of severe trauma or cardiac episodes by Trauma Star helicopter directly to a Level One Trauma Center or cardiac center on the mainland. Medicare and insurance cover some of the cost of transport and will be billed directly. Residents of Monroe County qualify for a waiver of the out-of-pocket costs related to their transport. After all billing has been sent out, providing proof of residency will grant you the waiver. This service is funded by the Upper Keys Healthcare Taxing District.

Fire Department Islamorada Fire Rescue

(305) 852-6285

(305) 664-4559 81850 Overseas Hwy. Islamorada www.islamorada.fl.us

151 Marine Ave., MM 92 Tavernier www.monroecountyem.com Monroe County Fire Rescue serves the community 24 hours a day/365 days a

The Islamorada Village of Islands community is served by a combination of professionals and trained volunteers who provide fire service 24 hours a day/365 days a year.

Monroe County Fire Station 22

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Key Largo Volunteer Fire Department (305) 451-2700 1 East Dr., MM 99 Key Largo www.keylargofire.com A combination of professionals and trained volunteers serve the needs of Key Largo, providing the community with trained fire service 24 hours a day/365 days a year.

Monroe County Fire Station 22 (305) 852-6285 151 Marine Ave., MM 92 Tavernier www.monroecounty-fl.gov This fire rescue station, part of the unincorporated Monroe County Fire Department, provides the Tavernier community with professional fire service 24 hours a day/365 days a year.

Law Enforcement Florida Highway Patrol (800) 240-0453 *FHP (*347) www.flhsmv.gov FHP and FDOT’s Road Rangers Program provides free highway assistance.

Rangers provide water for overheated engines, emergency fuel, assistance with tire changing and other minor emergency repairs along major interstate corridors. Since 2000, the Road Rangers have made over four million service assists.

Monroe County Sheriff’s Office (305) 853-3211 50 Highpoint Rd., MM 89 Roth Building Tavernier www.keysso.net Monroe County employs an “Enhanced 9-1-1” phone system on your landline, not your cell phone. It allows the dispatcher to see your address and phone number and confirm the information. This system allows officers to be sent even if you are unable to complete the call. If you or a loved one have special health or living conditions that the dispatch should know about to improve their response in an emergency, you should call Lt. Charlene Sprinkle-Huff (305) 289-2351 to have that information added to the Enhanced 9-1-1 system.

Keys to Living

Hurricane Evacuation and Safety Hurricane season runs June through November. The evacuation system in Monroe County calls for tourists, nonresidents and residents who need special assistance to evacuate early—as soon as a hurricane warning is issued. Residents living in low areas and mobile homes are evacuated next. Remaining residents are evacuated within 24 hours of a strike. Re-entry stickers for vehicles coming back into the county after a storm should be obtained from the Office of Motor Vehicles or a Sheriff’s Office before hurricane season begins. If you do not have a re-entry sticker, a driver license or ID with a Monroe County address will allow you to return home during controlled entry periods. Each local newspaper offers an extensive hurricane guide. See Part II: Staying Connected: Media. Health issues, decreased mobility and the inability to drive can make it difficult for some residents to prepare for hurricanes and evacuation. These emergencies also can disrupt the help that many older adults and residents with a disability rely on for independent living, such as assistance from friends, family and home-based medical caregivers. These issues make advance planning critical. A number of government agencies provide information specifically to help residents with special needs and older adults prepare for natural disasters and emergencies. Monroe County residents should register with the Special Needs Registry (see listing) before hurricane season. Take time now before the season to learn about options. Visit www.cdc.gov/aging/emergency/preparedness.htm for more resources and tools to help older adults and their caregivers prepare for emergencies and disasters. Visit www.cdc.gov/ncbddd/disasters/index.html for resources and tools to help evacuees who have special needs, including children and anyone who has a disability.

Are You Ready? (800) 480-2520 www.ready.gov/are-you-ready-guide “Are You Ready,” a free printable e-

booklet produced by FEMA, walks you through local emergency plans and more. “Prepare for Emergencies Now: Information for Older Americans,”

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“Information for People With Disabilities” and “Information for Pet Owners” are offered as PDF downloads under the Publications link. Call the Distribution

Residents who need assistance to evacuate during a hurricane or emergency and have no family or friends to help them may register for the county’s Special Needs

Warehouse number for printed copies, which will be mailed at no charge.

Registry. To be eligible, you must have sensory disabilities or a physical, mental or cognitive impairment. Pre-registration is required, along with signed HIPAA Disclosure of

Florida 5-1-1 System Dial 5-1-1 www.FL511.com This service delivers updates and travel information on accidents, construction and severe weather along the state’s interstate highways and the Florida Turnpike.

Monroe County Sheriff’s Office www.keysso.net The Sheriff’s Office website provides information on evacuation information and re-entry stickers, links for weather

Information and HIPAA Privacy Act forms. You may also pre-register your pets for evacuation. To help you prepare for emergency evacuation, the service recommends you pre-pack a “go-to kit” filled with items to bring to the shelter. See also Part I: The Basics: Services: City, County, State and Federal Services.

updates and many FEMA brochures on hurricane preparedness and natural disaster planning. A department app and presence on Facebook and Twitter bring up-to-theminute information to the public. It is accessible from home, a vehicle and from your evacuation destination on a smart phone or tablet.

Special Needs Registry (305) 292-4591 www.monroecounty-fl.gov

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Utilities and Municipal Services Advanced Disposal (305) 853-3433 86490 Overseas Hwy. Islamorada

inspection for breeding areas and request â&#x20AC;&#x153;no truck sprayâ&#x20AC;? and alerts for aerial sprays.

It handles trash collection, disposal and recycling for Islamorada. Florida Keys Aqueduct Authority (305) 853-1999 91620 Overseas Hwy. Tavernier www.fkaa.com This utility delivers water throughout the Keys. Check for rebates, such as a 2015 rebate for replacing a pre-1994 toilet with a new high-efficiency toilet. Florida Keys Electric Cooperative (305) 852-2431 91630 Overseas Hwy. Tavernier www.fkec.com Upper Keys residents and businesses receive electricity from this coop. Check for rebates when replacing appliances.

Wastewater Treatment Offices Islamorada (305) 664-6400 Key Largo (305) 451-4019 98880 Overseas Hwy. Key Largo www.klwtd.com This utility manages sewer service. Keys Sanitary Services (305) 451-2025 300 Central Ave. Key Largo www.monroecounty-fl.gov Residential solid waste pickup occurs twice a week. Yard waste and recycle pickups are scheduled once a week. For large items, such as appliances and furniture, call for a special pick up. Service is billed through your annual county tax payment.

Florida Keys Mosquito Control (305) 292-7190 5224 College Rd. Key West

Monroe County Sustainability Office (305) 852-2431 www.monroecounty-fl.gov This office coordinates waste disposal, from composting of yard waste and

www.keysmosquito.org You can request service, schedule an

recycling to trash pickup.

Keys to Living

Part II

Staying Connected COMMUNITY ENGAGEMENT MEDIA • POLITICS SERVICE/SOCIAL CLUBS • VOLUNTEERING WORK

LIVING THE GOOD LIFE ENTERTAINMENT/DINING • EXERCISE/FITNESS FAITH • INTERNET/COMPUTERS LIFE-LONG LEARNING •PETS • RECREATION PARKS • TRANSPORTATION

Keys to Living

COMMUNITY ENGAGEMENT Media Newspapers, radio and television help you stay in touch with the community and the world. In small communities like the Keys, they announce events, sustain the arts, entertain, raise awareness and promote businesses too. Digital technology also brings media into your home. Websites, such as www.onlinenewspapers.com, link to more than 1,000 world newspapers and there are many digital-only news sites, such as www.globalpost.com.

Newspapers Coconut Telegraph

Keys Weekly

(305) 304-2837

(305) 453-6928

www.theconchtelegraph.com This free monthly paper delivers an engaging perspective on the Upper Keys. It features lighthearted news, tips on living in the Keys and events.

FreePress (305) 853-7277 91731 Overseas Hwy. Tavernier www.keysnews.com The FreePress provides local news, indepth features and an annual online Hurricane Guide. It covers arts and entertainment, local meetings and events, fishing news and TV. Find this free weekly on newsstands, at local businesses and online on Wednesday. The same company publishes the Key West Citizen.

www.keysweekly.com The paper covers the entire Keys, weekly.

The Reporter and The Keynoter (305) 852-3216 91655 Overseas Hwy. Tavernier www.keysnet.com Readers turn to The Reporter every Friday for its Upper Keys news on government, politics, new business, people, fishing, local issues, sports and events. It is sold at newsstands, delivered by mail and available online. The Keynoter comes out on Wednesday and Saturday and focuses on the Middle Keys. Both papers offer a Hurricane Guide online and as a print supplement in June. Their Unwind magazine, published eight times a year, covers Keys lifestyle.

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Newspapers Outside Upper Keys

Radio

Key West Citizen

U.S. 1 Radio

(305) 292-7777

(305) 852-9085

3420 Northside Dr. Key West www.keysnews.com This Key West daily focuses on Lower Keys news and events, but covers

93351 Overseas Hwy. Tavernier www.sun103.com Several radio stations under this company serve the Upper Keys with a variety of

countywide issues as well. Itâ&#x20AC;&#x2122;s a sister publication of the FreePress and is sold at newsstands throughout the Keys. Subscriptions are available in print by mail or as a digital edition.

music genres, news and communityevents calendars.

Miami Herald and El Nuevo Herald (800) THE HERALD (843-4372) www.miamiherald.com

Keys Radio Group - The MIX www.themixofoldies.com Spanning South Miami to Key West, this radio station is the only broadcast that reaches all the Keys. It plays a mix of oldies from the 60s, 70s and 80s and

www.elnuevoherald.com South Floridaâ&#x20AC;&#x2122;s largest circulation daily newspaper comes in English and Spanish editions. It covers news, entertainment, sports and events in Miami, southeast

keeps listeners informed with local news, weather, entertainment, events and scheduled fishing and diving reports.

Florida, the U.S. and the world. There is a weekly section on the Florida Keys. Digital and print subscriptions are

When you are ready to subscribe to a

available. Also find it on newsstands.

South Dade News Leader (305) 245-2311 www.southdadenewsleader.com The free weekly paper provides local news for Homestead, Florida City and the Upper Keys. Pick it up at local businesses.

Television Cable/Satellite television package, review what you need to see (for example, local news from Miami), what you want to see (your favorite shows and their channels) and what might be a bonus (sports channels, on demand or premium movie and series channels). This will keep you on target when comparing the many plans. Ask what the plan will cost after the introductory offer ends. Then base your

Keys to Living

calculations on a yearâ&#x20AC;&#x2122;s subscription fee, not the introductory rate. Ask about hardware fees. It is a competitive business market. Negotiate benefits. For example, request that they rebate hardware fees for the first six months or year. Get price and benefit quotes from several different companies and then go back to the one you liked best and let them know you are leaning their way. Ask them to throw in six months of free HBO, ESPN or another extra service as an incentive for signing the contract. If you are considering whether you should dump the dish or cut the cable, see: What You Need to Know About Cutting the Cable.

ATT U-verse

(305) 292-8376 (800) 266-2278 103400 Overseas Hwy. Key Largo www.comcast.com Comcastâ&#x20AC;&#x2122;s product line, Xfinity, offers TV, Internet, telephone and home security services through cable.

DirecTV (305) 852-7243 (888) 795-9488 www.directv.com Receive television and Internet services in your home by satellite. Also watch on the go on a computer, tablet or smart phone.

Dish Network

(800) 288-2020 www.att.com

(877) 653-0020

Their fiber-optic system brings bundled services of TV, Internet and telephone.

Comcast

www.dish.com Pick up home television and Internet services by satellite.

Keys to Living

What You Need to Know… about cutting the cable Watching TV can be expensive, from $600 a year for basic service to $2,000 for the bells and whistles. Can you really cut the cable on your satellite or cable TV provider? The answer is a qualified yes, depending on your viewing habits. At www.slate.com you will find a calculator to help you determine if cutting the cord is right for you. It will allow you to compare your current cable or satellite plan with à la carte services. Search “should you cut the cord.” First, determine what you pay for your current cable or satellite service, so you can compare the cost of replacement services. Next, make a list of the programs you watch—sports, news, movies, sitcoms, documentaries, etc. Then make a list of the online sites where you can find the same programming. Include their monthly, per download or annual cost. Visit www.findthebest.com to compare online movie and TV streaming services. Hulu Plus, Netflix, Amazon Prime, Sling TV, HBO Now, YouTube, CBS All Access, iTunes (the list is growing) and the TV network websites provide most of the movies and TV shows you currently watch. Disadvantages: On some you must wait 24 hours after it airs on TV before viewing online. For sports, these streaming services may cover your bases: ESPN on Sling TV, NBA League Pass/Broadband/Mobile, MLB.TV Premium, MLS Live, NFL Game Rewind and NHL Game Center Live. Add up the annual costs of the streaming services you want and compare them to the annual cost charged by your cable or satellite provider. Consider the one-time cost for the equipment or device you will need to send the programming to your TV. The most popular devices are Apple TV, Roku, Blu-Ray player with WiFi, Sony Playstation View and Xbox 360.

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Politics Monroe County was established in July 1823 as a Constitutional County with a Board of County Commissioners as its governing body. The Board consists of five commissioners elected to serve four-year terms. Commissioners choose a new mayor each November. The County Administrator holds the highest administrative position in the county. There are also five elected Constitutional Officers presiding as Sheriff, Tax Collector, Property Appraiser, Supervisor of Elections and Clerk of the Court. Other elected officials include the School Board, State Attorney, Mosquito Control Board, Public Defender, Circuit Court Judges, County Judges, Key Largo Wastewater Treatment District Board and Key Largo Fire and Emergency Medical Board. All serve four-year terms except for judges, who sit for six years. Prior to elections, several civic organizations hold public forums where you can speak to and hear candidates. See Part II: Community Engagement: Public Forums. In the Upper Keys The Reporter and FreePress newspapers and their online services publish news, reviews and recommendations prior to an election. Although the county is considered “Republican,” based on the number of registered voters, in the 2012 General Election Barack Obama won the county. Democrat Bill Nelson maintained his U.S. Senate seat over Republican contender, Connie Mack, and Democrat Joe Garcia beat Republican David Rivera for the region’s U.S. House seat. (Garcia lost the seat in 2014 to Carlos Curbelo.) In this community, considerations for how a candidate views our unique community often tip the scales of our elections.

Parties and Organizations According to the Supervisor of Elections records (March 2015), of the county’s 51,859 registered voters, 18,956 were registered as Republicans, 16,913 were registered as Democrats and 15,990 were registered as Others.

Florida Keys Democratic Club (305) 942-1653 www.floridakeysdemocrats.org The party has 23 officially elected precinct leaders across Monroe County, including a newly formed Upper Keys

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Democratic Committee serving Ocean Reef, Islamorada, Tavernier and Key Largo. They meet monthly. Sign up to receive emails by visiting their website.

League of Women Voters (850) 224-2545 www.thefloridavoter.org This national group was formed as a nonpartisan organization in 1920 during the women’s suffrage movement to encourage women to “… participate in shaping public policy.” It remains nonpartisan and “… an activist, grassroots organization whose leaders believe that citizens should play a critical role in advocacy.” You can find unbiased information on redistricting, Florida government, political and environmental issues, voting logistics, amendment clarification and more.

National Organization for Women www.flnow.org NOW’s main issues are reproductive rights, economic justice, ending sexual discrimination, lesbian rights, promoting diversity and stopping violence against women.

Older American Advisory Board (305) 853-0907 www.monroecounty-fl.gov This monthly board meets with elderly citizens and the Monroe County commissioners to investigate, review and recommend services and programs that will benefit seniors in the Keys. Officers

of the board are members of your local AARP chapters. The meetings are held the first Thursday. Everyone is welcome to attend.

Upper Keys Republican Club Libertarian Party of Florida (855) FLA-FREE (352-3733) www.lpf.org While the organization is represented in the state, there is no local affiliate in

(305) 852-9292 www.keysgop.com The party consists of a countywide Republican Executive Committee and three local clubs, all of which work

Monroe County. Their website lists the candidates around the state for the current races. It provides information on the party’s position on the economy, gun laws, healthcare, freedom of speech,

together to support Republican candidates and further the purpose of the party in Monroe County. Meetings are held on the fourth Wednesday of the month at 5:30 p.m., locations vary. Request to be added

immigration and other issues.

to their email list by visiting their website.

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Political Public Forums Key Largo Civic Club Forum (305) 853-0907 209 Ocean Bay Dr., MM 99 Key Largo The club conducts a Meet the Candidates and Q/A forum approximately three weeks before any major election.

Tavernier Community Association (305) 335-6434 151 Marine Ave., MM 92 Monroe County Fire Station Tavernier The association represents the interests of residents, community leaders and charitable organizations in Tavernier.

Take part in your community

Along with bringing in monthly speakers, such as politicians and planning officials, it conducts focused candidate forums beginning six weeks before an election. Meetings are the first Thursday at 7 p.m.

Join the T.C.A.

Island of Key Largo Federation of Homeowners Association

Tavernier Community Association P.O. Box 72 â&#x20AC;˘ Tavernier FL 33070

Come join us in guiding the future of our community!

www.iklfha.org The Federation, which operates on behalf of the residents, businesses and organizations in Key Largo on civic matters, hosts monthly speakers on local topics, organizes political candidate forums before all major elections and then posts countywide candidate responses on www.YouTube.com.

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Service and Social Clubs Being active, making friends and challenging yourself to grow and learn is part of a wellbalanced life at any age. Staying engaged in your community is a first step to helping you live meaningfully and with purpose. You can do this by volunteering, joining interest groups, attending events, taking a class, playing games and even working at a part-time job. A vast body of evidence indicates that people—especially seniors—with an active social life are healthier physically and emotionally. Do not let limited mobility discourage you. Take advantage of the county’s social services transportation system or use social media to stay in touch with groups, friends and your community.

Civic Groups Key Largo Civic Club

Key Largo Lions Club

(305) 451-9833

(305) 451-5880

209 Ocean Bay Dr., MM 99 Key Largo Here is a comfortable place where you can spend the day or go for a specific activity. Breakfast is served at 8 a.m. on

5 Homestead Ave., MM 100 Key Largo This international organization has been supporting local communities since 1917. Its projects include testing for

the first Saturday of the month. Groups meet for a range of activities, including duplicate bridge, exercise classes, line dancing, trivia matches, Friday Bingo, knitting, Bocce and trips to the mainland.

diabetes, raising money for seniors who need cataract surgery and eyeglasses and training guide dogs for the blind. Call for the meeting schedule.

Rotary Club of Key Largo Kiwanis Club of the Upper Keys (305) 766-0643 www.floridakiwanis.com

(305) 852-1031 www.keylargorotary.org The organization represents local

Since 1915, Kiwanis Club has served the community, focusing especially on area youth. It meets on the second and fourth Wednesday, at 6:00 p.m., at Café Largo, 99530 Overseas Hwy., Key Largo.

businesses active in local charities, especially those supporting young people in the community, such as Take Stock in Children. They provide scholarships for residents who want to improve job skills

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or further their education. It meets weekly on Wednesday, at 7:30 a.m., at The Hilton Hotel, 97000 Overseas Hwy., Key Largo.

Upper Keys Business and Professional Women (305) 587-1085 www.upperkeysbpw.org This professional women’s organization meets monthly for lunch and evening networking. It strives to empower working women by promoting business skills and supporting advocacy. It raises money for Upper Keys residents who want to improve job skills and further their education.

Upper Keys Sons & Daughters of Italy Lodge 2843 (305) 451-0781 209 N. Ocean Dr., MM 99 Key Largo Civic Club Key Largo This Upper Keys organization’s mission is to “… promote our Italian heritage, support our members, charities and the citizens of the Upper Keys.” It meets at 6:30 p.m., on the second Wednesday of the month, with food, a meeting and a lot of social interaction. The group hosts numerous fundraising events to support local organizations and charities.

Upper Keys Rotary (305) 712-1818 www.keysrotary.myevent.com This Rotary branch awards academic scholarships to students in Upper Keys schools. In February it hosts its annual fundraiser, the Gigantic Nautical Market at Founders Park with more than 200 vendors. Members meet weekly on Tuesday, at 12:00 p.m., at Craig’s Restaurant, 90154 Overseas Hwy., Tavernier.

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Social Groups AARP (305) 853-0907 www.local.aarp.org/key-largo-fl Connect with your peers to discuss concerns related to senior living and issues in the Keys community. The group meets monthly with a variety of speakers addressing local concerns and education on elder issues. We meet 2:00 to 4:00 p.m. on the second Thursday of each month at the Key Largo Civic Club at mile marker 99. Come and join us!

Guest speakers • Useful information Updates on Medicare, Supplement Insurance and Part D Look for our listing in this book!

305-853-0907

movement classes, holiday parties, arts and crafts and guest musical performances. Assistance with AARP and other senior issues can be arranged by appointment. Transportation to and from the Center can be arranged through the Monroe County Transportation Program.

Senior Moments (305) 451-2396 This group of active seniors meets at the Key Largo Library Community Room on alternate Mondays, at 10:30 a.m., for a 90-minute program featuring local speakers and topics designed to keep seniors engaged in their community.

Special Interest Groups

Plantation Key Senior Center

Arts and Crafts

(305) 852-7133

Art Guild of the Purple Isles

(305) 852-7125 88800 Overseas Hwy. Tavernier Seniors, 60 years and older, are invited to participate in activities at the

(305) 451-2726 www.purpleislesartguild.com This group promotes a variety of art, local artists and a means for marketing its members’ art work. Members

Plantation Key AARP Senior Center located at 88800 Overseas Highway, in the Government Center complex. The center offers a healthy hot lunch and a place to socialize Monday through

participate in art shows, plein-air painting, workshops with guest artists and social events. It supports local schools through art education and supplies. It meets the first Wednesday, at

Friday. Enjoy bingo and cards, movies, a weekly computer class, local speakers,

9:30 a.m. to 12:00, from November through April, in various locations.

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Florida Keys Quilters Guild

Computers Upper Keys Mac User Group

(305) 451-2396 (305) 394-3878 The guild meets on the first Saturday of the month, at 10:00 a.m., in the Key Largo Library Community Room. They have a â&#x20AC;&#x153;sit and sewâ&#x20AC;? on Friday, in the

(305) 451-2396 www.ukmug.org The group, known as UKMUG, meets

library community room, at 10:00 a.m. The guild is active in charity work for many community nonprofits.

each month, at 7:00 p.m., on the second Thursday, in the Key Largo Library Community Room. Meetings cover a variety of topics related to using Macintosh computers, Apple iPhones,

Book Reading Clubs and

iPads, software products and bi-platform Internet subjects.

Writing Groups Key Largo Book Club (305) 451-2396 (305) 852-5756 This club meets in the Key Largo Library Community Room to discuss books on the third Tuesday of the month. Choices for group reading cover an eclectic variety of styles and genres. Call to find the current selection for the next meeting.

Games Bingo (305) 451-0781 209 N. Ocean Dr., MM 99 Key Largo Civic Club Key Largo Bingo is a fun, popular evening out for many seniors and families. This one offers cash prizes and a good time on Friday, at 6:00 p.m.

Latitude 25 Writers (305) 451-2396 Established in 1978, this is the oldest

Bridge/Pinochle/Trivia

writing group in the Upper Keys. Local writers of all skill levels get together at the Key Largo Library Community Room on the last Wednesday of the month, at 7 p.m., to

209 Ocean Bay Dr., MM 99 Key Largo Civic Club Key Largo Engage in a spirited game of bridge, pinochle and trivia or just drop by to

discuss their current writing projects and share craft techniques.

watch and socialize while others play. Call for a schedule.

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(305) 451-9833

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Gardening Florida Keys Orchid, Fern & Bromeliad Society

Monroe County Extension Services (305) 292-4501

(305) 451-2396 This club hosts a monthly speaker at 7 p.m., on the third Thursday, in the Key Largo Library Community Room. All levels of expertise are invited. The meeting is open to the public.

Fruit & Spice Park (305) 247-5727 24801 S.W.187th Ave. Homestead www.fruitandspicepark.org

monroe.ifas.ufl.edu The volunteers of this organization are called Master Gardeners and qualify for that title with extensive training. They run regional monthly plant clinics. The Upper Keys location is the Murray Nelson Government Center. The Master Gardeners advise and educate the public on the best gardening and horticulture practices. Sign up on the website for a monthly newsletter to learn the dates of clinics and educational activities.

Take part in guided tours, classes and festivals, which include tastings of seasonal fruits, at this 37-acre botanical paradise in the historic Redland, located 30 miles north of Key Largo.

Garden Club of the Upper Keys (305) 453-4799 94040 Overseas Hwy. Frances Tracy Garden Center Tavernier www.gardenclubupperkeys.org This nonprofit educational organization promotes the natural flora of the Upper Keys. Meetings, which include a speaker and lunch, are held monthly at 11:30 a.m., on the third Thursday, from September to May.

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History and Historical Societies Florida Keys History & Discovery Center (305) 922-2237 Islander Resort 82100 Overseas Hwy. Islamorada www.keysdiscovery.com The center is a multidisciplinary

Learn about the Labor Day Hurricane of 1935, Henry Flaglerâ&#x20AC;&#x2122;s Railroad, the Over-Sea Highway, legendary anglers and fishing guides, and so much more.

educational museum and facility. It has a 35-seat theater for presentations and films and offers permanent and temporary exhibits on the artists and photographic history of the Florida Keys. Itâ&#x20AC;&#x2122;s open only on Thursday to Sunday.

History of Diving Museum

82100 Overseas Highway Islamorada, MM 82 On the property of the Islander Resort, a Guy Harvey Outpost

s WWW +EYS$ISCOVERY COM

(305) 664-9737 82990 Overseas Hwy. Islamorada www.divingmuseum.org Diving history fans gather the third Wednesday of the month for a free program featuring a speaker, film or seminar. It has an expansive library.

Historical Preservation Society of the Upper Keys

Open Thursdays through Sundays,10 a.m. to 5 p.m.

General Admission: $12 3ENIORS s #HILDREN AND UNDER FREE

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Like Us!

(305) 451-2369 jerry@keyshistory.org www.keyshistory.org This society preserves the cultural and natural history of the Upper Keys. A

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monthly presentation is on the second Monday, at 7:00 p.m., in the Key Largo Library Community Room. The website maintains an active research section with

levels. The post offers community fellowship and support to all Veterans. The screened-patio restaurant is open to everyone and serves popular local dishes

documents, photographs and stories. It also features a “cybermuseum,” an extensive tour of Upper Keys history through photographs.

for lunch and dinner at reasonable prices. It also hosts a Sunday breakfast.

Kayaking and Biking Paradise Paddlers & Pedalers of the Florida Keys (305) 451-3018 104050 Overseas Hwy. Key Largo www.paddlefloridakeys.com The club offers paddling and biking events, such as Demo Days, when you can test paddle equipment before you purchase. They lead tours, full-moon outings and multi-day Everglades trips.

Lodges and Posts American Legion Post 333

Florida Keys Elks Lodge 1872 (305) 852-1872 92600 Overseas Hwy. Tavernier www.elks.org The lodge meets on the second and fourth Thursday, except during July and August, which only meets the fourth Thursday. It is open 4 p.m. to 9 p.m., on Monday to Thursday. Friday it hosts its popular Fish Fry and Karaoke and remains open until 11 p.m. Sunday hours are 1 p.m. to 9 p.m. for sports TV+. There is a banquet hall for parties and rentals and an RV Park. Enjoy sunsets from the bayside beach dock or the lodge’s patio.

(305) 451-0307 2 Seagate Blvd., MM 99 Key Largo www.legion.org The Legion is a nonpartisan, nonprofit organization, which advocates for its members through grassroots involvement in the legislative process on local and national

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Islamorada Moose Lodge 2151 (305) 664-8120 81573 Old Highway Islamorada lodge2151.moosepages.org This fun-loving fraternal organization supports Upper Keys charities such as Islamorada Firefighters, the Good Health Clinic, Coral Shores Athletic Association and many others. There’s an activity every night including Monday’s All U Can Eat Taco Bar and Wednesday’s Burgers, Beer and Bingo.

Key Largo Moose Lodge 2287 (305) 451-1333 98800 Overseas Hwy. Key Largo www.moose2287.org The Loyal Order of Moose is a fraternal and service organization serving the Upper Keys. The organization’s social calendar includes karaoke and Bingo. A lunch menu provides inexpensive fare.

funds for community projects, such as the batting cages at Key Largo Park and the Masonic Child ID Program, a free nationwide identification service to protect children.

Upper Keys Shrine Club (305) 587-1244 Tavernier www.keysshrine.com The local chapter of this international organization meets the first Tuesday of the month at various locations. They support the Shriners Hospitals for Children, which provide free medical care. The closest hospital to the Keys is in Tampa. The chapter’s free bus transports children needing medical care, along with their families, to the hospital and provides free accommodations during the child’s stay.

VFW Post 10211 (305) 451-2120

Masons Florida Keys Lodge No. 336

102255 Overseas Hwy.

(305) 587-1244 284 Tavernier St., MM 91 Tavernier https://lodges.glflamason.org/Lodge/336

www.myvfw.org/fl/post10211

Key Largo

Members meet the second and fourth Tuesday each month at this local lodge, which was established in 1959. It raises

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The Post welcomes Veterans with support and camaraderie. Members host monthly events, including a poker tournament. The Post restaurant provides inexpensive meals to fellow Veterans.

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Peace Keys to Peace (305) 619-0534 P. O. Box 1724 Tavernier www.keystopeace.com Members of this local grassroots organization build awareness of peaceful living. They connect people through education and community activities. The group sponsors special events throughout the year. Along with projects such as a Peacemaking for Kids class, Buddhism for the 21st Century weekly study group and Peace Parks throughout the Upper Keys, the group hosts Tibetan monks once a year. It also promotes events such as yoga on the bay, computer education for seniors and support workshops for Veterans.

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Volunteering Volunteering has a positive impact on your community, but it has many more benefits to you as a volunteer. It is an opportunity to develop skills, share an area of expertise, keep your brain engaged and stimulate your creative juices. It creates a social network where you fit in and contribute. Volunteering lets you explore new fields if you want to gain job skills or are thinking of a career change. People who volunteer live longer and are happier and healthier. Even if you have limited mobility or lack transportation, you can volunteer by way of phone or computer. The Community Foundation of the Florida Keys, www.CFFK.org, provides a comprehensive search engine for those interested in volunteering for a nonprofit anywhere in the Keys. You can search by name or service. The results tell you how to contact organizations directly about current volunteer opportunities. The United Way of the Florida Keys, www.keysunitedway.org, matches volunteers with nonprofits supported by the United Way. Positions are listed by skill set. All For Good, www.allforgood.org, is a hub for volunteerism and community service. The site connects volunteers with local large and small nonprofits.

Animal Organizations Humane Animal Care Coalition

Island Dolphin Care

(305) 451-0088

(305) 451-5884

105951 Overseas Hwy. Key Largo www.humaneanimalcoalition.com The shelter welcomes volunteers to play with a dog, pet a cat or socialize a puppy.

150 Lorelane Pl., MM 99 Key Largo www.islanddolphincare.org Volunteers support the centerâ&#x20AC;&#x2122;s use of dolphins in therapy for children at risk and

Other basic tasks are also available, but who would tire of these caring jobs? Volunteers also provide support services for the spay and neutering program.

with special needs and wounded Veterans suffering from a range of illnesses and physical conditions. They can lead tours, staff the gift shop and other activities.

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MarrVelous Pet Rescues

Cultural and Historical Groups

(305) 453-1315

Florida Keys Concert Association

99900 Overseas Hwy. Key Largo www.marrvelouspetrescues.org The organization cares for and treats abandoned, stray and needy animals and

(305) 240-0061

provides foster homes until permanent placement can be made in a caring home. It supports education for responsible animal care and promotes spaying and neutering, microchipping and training. The group maintains an active core of volunteers. Experienced rescuers accompany all new volunteers. Responsibilities may involve walking dogs, greeting visitors, managing the contact database and selling merchandise.

www.floridakeysconcerts.com Music-loving volunteers can help continue the more than 45-year legacy of this Keys concert organization, which brings classical and orchestral music to the county. Duties include helping with staging, advertising, distributing announcements, fundraising and CD and ticket sales. Concerts are held seasonally, January through February. Volunteers are needed for Upper Keys and Marathon performances. Contact Mary Lee Singer at mizzleez3@yahoo.com for information.Â

Florida Keys Overseas Heritage Trail Upper Keys Humane Society

(305) 853-3571 3 La Croix Ct., MM 99

(305) 451-3848 101617 Overseas Hwy. Key Largo www.upperkeyshumanesociety.org This nonprofit no-kill animal society and shelter relies on volunteers and support from the community to care for animals in need of homes. Volunteers provide foster homes for animals, groom, socialize, exercise and train dogs waiting for adoption. Administrative support in grant writing, shelter operations, fundraising, event organizing and working with the press are also needed.

Key Largo www.dep.state.fl.us/gwt The Trail, which runs the length of the Florida Keys, welcomes volunteers to do just about any job that the State Park Rangers perform, indoors and outdoors, including educating visitors, hosting events and beautification. Any skill set you possess can be utilized. You can volunteer as an individual or bring your family or entire group to work on a project. The Trail is part of the Florida Greenways and Trail System.

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History of Diving Museum (305) 664-9737 82990 Overseas Hwy. Islamorada www.divingmuseum.org Volunteers work with the public by leading tours, staffing the gift shop, welcoming visitors and assisting with special events and educational outreach. The museum offers flexible hours and incentive discounts on items and membership. No diving experience is necessary.

Islamorada Community Entertainment (305) 395-6344 director@keysice.com

Friends of the Key Largo Cultural Center (305) 396-7000 102050 Overseas Hwy. Key Largo www.fklcc.org The Murray E. Nelson Government Centerâ&#x20AC;&#x2122;s 250-seat theater is the stage for jazz concerts, music festivals, the Ocean Life lecture series as well as a variety of community events and full-blown theatrical productions. Volunteers serve as board members, staff committees and assist with events in many capacities. Free admission to shows is one benefit of volunteering with this sociable group.

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www.keysice.com/volunteer This nonprofit supports local arts and young artists through entertainment, cultural events, workshops with professional artists in schools and by providing performance venues in the Upper Keys. It relies on volunteers for a range of support, ushering, working at the concession stand, distributing fliers and assisting with parking and set up.

The Key Players (305) 453-0997 www.thekeyplayers.org Volunteers with this community theater group participate in many duties onstage (performing), backstage (sets, lighting,

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props, costumes), production assistance and front-of-house duties (ticket collection, concessions, fundraising, ushering) during the production and performances of its four annual shows. Benefits include free tickets.

Keys to Peace (305) 619-0534 P. O. Box 1724 Tavernier www.keystopeace.com At this local grassroots organization, which builds awareness of peaceful living, volunteers assist in staging events, making phone calls, teaching the Kids Peace Kit in schools and running errands. They do public relations and coordinate teachers.

Emergency

Islamorada and Monroe County Fire Rescue Services Volunteers over the age of 18 years old support the local fire rescue and emergency medical services staffs in many ways and can be trained to help on many different levels within a department. Visit their websites for more information. Some also have online applications. Islamorada Fire Rescue (305) 664-4559 81850 Overseas Hwy. Islamorada www.islamorada.fl.us/Fire_Rescue.asp Key Largo Emergency Medical Services (305) 451-2766 98600 Overseas Hwy. Key Largo www.keylargoems.com

Helpline of the Keys (305) 296-HELP (4357) www.switchboardmiami.org

Key Largo Fire Department

Volunteers are needed for all kinds of positions, including counseling and working as receptionists and community outreach and development assistants. Counselors are trained to answer telephone calls from residents and visitors concerning a variety of personal emergencies, including homelessness, abuse, neglect and suicide prevention.

(305) 451-2700 1 East Dr., MM 99 Key Largo www.keylargofire.com Monroe County Fire Station 22 (305) 852-6285

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151 Marine Ave., MM 92 Tavernier www.monroecounty-fl.gov

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Monroe County Sheriffâ&#x20AC;&#x2122;s Office Citizenâ&#x20AC;&#x2122;s Crime Watch

Environmental Agencies and Organizations

(305) 853-3211

Coral Restoration Foundation

www.keysso.net Volunteer to organize a new Crime Watch group or support an existing community team. Crime Watch meetings educate neighbors in crime prevention methods and

(305) 453-7030

practices. Volunteers work in partnership with local law enforcement officers, becoming additional eyes and ears for those agencies. Meetings also provide a venue for citizens to ask questions and pass along

5 Seagate Blvd. Key Largo www.coralrestoration.org This nonprofit organization builds awareness of coral reef health and the

concerns to law enforcement officers.

environmental benefits of reef ecosystems through education, the creation of offshore nurseries and restoration programs. Volunteers work on land and offshore. Divers maintain offshore coral nurseries

MCSO Sheriff Reserves (305) 853-3211 www.keysso.net Reserves participate in a range of law

and plant corals at designated restoration sites. Volunteers in the Education Center welcome guests, answer questions, assist in the store and perform office duties. Long-term volunteers are trained to

enforcement- and civilian-related activities on a volunteer basis. Reservists must pass the same application process required by regular deputies. Participants may not work in occupations that result in conflicts of interest. Contact the Reserve Captain Ted Migala at tmigala@keysso.net.

become dive program team leaders.

Crocodile Lake National Wildlife Refuge (305) 451-4223 (305) 395-1574 10750 County Road 905 Key Largo www.fws.gov/nationalkeydeer/crocodilelake Volunteers work with the refuge staff to maintain the hardwood hammock critical to several protected species, including the American crocodile, Key Largo woodrat, Key Largo cotton mouse, Stock Island tree snail, Eastern indigo snake and

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Schaus swallowtail butterfly. They help with open houses, mulch gardens, clear invasive exotic plants, plant host plants for butterflies and build nests for

shop and office doing public relations, fundraising, event planning and membership renewals. Education and program assistants

woodrats. Contact FAVOR or the Refuge Manager at Jeremy_Dixon@fws.gov.

work with schools and sanctuary workshops. A new Learning and Visitor Center soon will require additional greeters and office volunteers. See the website for an application and more

Florida Keys National Marine Sanctuary (305) 852-7717 95230 Overseas Hwy. Key Largo www.floridakeys.noaa.gov Volunteers work with sanctuary staff to

information.

Friends and Volunteers of Refuges (305) 872-0774

reach out to the community on both land and water. Team OCEAN volunteers participate in beach cleanups and provide on-the-water education aimed at protecting sanctuary resources. In 2010,

This group, often referred to as FAVOR,

Team OCEAN combed the Florida Keys coastline and collected over 10,000 pounds of marine debris. Even if you don’t have sea legs, you can volunteer to assist the staff in the office.

supports the four National Wildlife Refuges of the Florida Keys, including Crocodile Lake National Wildlife Refuge in Key Largo, through education, volunteerism, non-adversarial advocacy

Florida Keys Wild Bird Sanctuary (305) 852-4486 93600 Overseas Hwy., Bird Center 92080 Overseas Hwy., Clinic/Office Tavernier www.keepthemflying.org Many tasks—indoor and outdoor—support the work of rehabilitating injured birds. Volunteers take care of the birds and grounds, build habitat and assist in the gift

National Key Deer Visitors Center 179 Key Deer Blvd., MM30 Big Pine Key www.favorfloridakeys.com

and fundraising. Volunteers maintain trails and habitats, participate in trash cleanups on beaches and in wild areas and help visitors learn about the Keys environment.

Friends of Islamorada State Parks (305) 664-4746 www.floridastateparks.org There are five land-based state parks within the Islamorada area. Volunteers

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work with park rangers at Windley Key Fossil Reef Geological State Park, Lignumvitae Key Botanical State Park, Long Key Historic State Park, Indian Key

Food and Shelter Organizations

Historic State Park and Curry Hammock State Park. Volunteers may greet visitors, conduct tours, assist with special events and help rangers remove exotic plants or

93001 Overseas Hwy. Tavernier www.bmumc.net This food bank and its food service, better known as God’s Kitchen, uses volunteers

maintain beach, waterways and trails. On the website, the “Get Involved” link leads to “Friends Groups.”

to staff its food pantry and to set up and serve a hot meal to individuals and their families in need. The pantry is open Monday and Wednesday, 9 a.m. to noon, and Tuesday

R.E.E.F. (305) 852-0030 98300 Overseas Hwy. Key Largo www.reef.org Conserving marine ecosystems is a tall order, but the nonprofit Reef Environmental Education Foundation succeeds with the help of an ocean of volunteers who work indoors helping with marketing, filing, answering phones, event planning, data analysis and fundraising. They assist with outreach and act as ambassadors at dive shows and festivals. The primary job of their outdoor volunteers is the foundation’s 25-year-old Volunteer Fish Survey Project, which enlists divers and snorkelers to collect and report information on marine fish populations and selected invertebrate and algae species.

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Burton Memorial United Methodist Church Food Pantry (305) 852-2581

and Thursday, 5 p.m. to 7 p.m. Dinner is served Thursday at 5 p.m. During summer months the food bank provides lunch to school children who no longer get free lunch at school.

First Baptist Church of Islamorada Food Pantry (305) 664-4910 81201 Overseas Hwy. Islamorada www.fbcislamorada.org A weekly hot meal and a well-stocked food and clothing pantry help community members. On Tuesday morning volunteers set up the evening’s six o’clock hot meal service and organize the food and clothing pantry. Evening volunteers serve the meals, give out clothing and food and then clean up after the dinner service.

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First Baptist Church of Key Largo (305) 451-2265 99001 Overseas Highway Key Largo www.fbckl.com Friends, families and volunteers gather to break bread together at the free Samaritan Suppers on Wednesday, at 5 p.m. It’s open to anyone in the community. Lunch bags are also available for those who need food, Monday to Friday, 9:30 a.m. to 3:30 p.m.

Habitat for Humanity (305) 453-7855 (305) 453-0050 98970 Overseas Hwy. Key Largo www.habitatupperkeys.org

Volunteers work in the ReStore (helping with sales, displaying furniture, cleaning donations, taking inventory), in the office or with the construction of local homes for families. You do not need construction experience to volunteer. An orientation helps volunteers determine where their skills are best used.

St. Justin Food Pantry (305) 451-1316 105500 Overseas Hwy. Key Largo On Monday afternoons, 3:30–5:30, the food pantry opens to residents. Volunteers are needed to stock and then distribute food. More services will be offered as this new pantry grows.

What You Need to Know… about volunteering Volunteers are in demand. Your time and energy are limited, so choose carefully. Here are tips from www.networkforgood.org: •

Choose your passion (animals, social issues, history and others).

•

Consider skills you have or challenge yourself with new skills.

•

Further personal goals (getting exercise, learning, creating, etc.) and match them to a group’s goals.

•

Don’t over commit, you can always do more—it is hard to do less.

•

Team up with family. Volunteer with a spouse or grandchild.

•

Consider digital/virtual volunteering at www.onlinevolunteering.org.

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Healthcare Organizations Good Health Clinic (305) 853-1788 91555 Overseas Hwy., Ste. 2 Tavernier www.thegoodhealthclinic.com This clinic provides care to 600 uninsured Monroe County residents annually. Volunteers with professional medical training can find meaningful work helping with patient stats. Nonmedical volunteers can help with confirmation calls and office records. Training for duties is provided. A commitment to service is encouraged.

the Florida Keys has a compassionate hospice volunteer program and is always looking for additional volunteer support not only for hospice, but for their special events and fundraising efforts to support their annual charity care program. Call or visit their website for more information on how you can volunteer for this nonprofit organization.

Library Organizations Friends of the Key Largo Library (305) 451-2396 101485 Overseas Hwy. Key Largo

Mariners Hospital Auxiliary

Friends of the Islamorada Library

(305) 434-1020, Sheila Konczewski 91500 Overseas Hwy.

(305) 664-4645

Tavernier www.baptisthealth.net Volunteers work in nearly every part of the hospital. Search â&#x20AC;&#x153;Volunteerâ&#x20AC;? on the website or call. This is a busy group with 200 volunteers donating over 1,000 hours a month in service. Pick up an application at the hospital Gift Shop.

81830 Overseas Hwy. Islamorada www.keyslibraries.org Volunteers assist patrons and staff in making book selections, conducting research, organizing books and magazines and other daily duties.

Visiting Nurse Association (305) 852-7887 92001 Overseas Hwy. Tavernier www.vnahospicekeys.org Visiting Nurse Association & Hospice of

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Monroe County Schools Monroe County Schools welcome volunteers at all its campuses. To participate, volunteers must fill out the online form for district approval at the Volunteers In School Activities (VISA) website: https://visa.keysschools.com and pass a background check. There are three

schools in the Upper Keys: Coral Shores High School, Key Largo School and Plantation Key School.

Upper Keys AARP (305) 853-0907, Pam Martin Donate your time and expertise to your senior community at AARP events.

The local’s resource guide to the Upper Keys!

Keys to Living A Practical Guide to Living a Long Life in Key Largo • Tavernier • Islamorada

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Working After Retirement If you plan to work in the Upper Keys, you will find numerous opportunities—part-time, full-time, temporary, holiday and seasonal. Personal networking is an excellent way to find a job. Get involved in the community to broaden your network. The classified ads in local papers and headhunting firms are also good places to search, but you may want to think outside the box and check the resources below too.

Online Resources Some of these free websites specialize in jobs for older adults. www.aarp.org www.careerbuilder.com www.indeed.com www.retirementjobs.com www.retireeworkforce.com

assistant, the digital equivalent of a homebased administrative assistant. You may want to start your own business. Today, there are options for

AARP’s website has a Job Search

financing your enterprise beyond bank loans and family funds. Crowdfunding is one way to launch a business. According to a recent report by Massolution, the crowdfunding industry raised about $5.1

tool and tips on how older job seekers can be more successful. If you do not want to work full time, consider part-time, seasonal and telecommuting jobs. You will want to

billion last year. How does it work? These companies operate in two models: In one model, funders collaborate to raise capital in return for products, perks or rewards. In

avoid Internet work-at-home jobs like stuffing envelopes—which promise thousands of dollars for 20 hours of work a week, but are often fraudulent. There are legitimate work-at-home

the other—investment crowdfunding— businesses seek capital by selling ownership stakes online as equity or debt with the potential for financial return. Explore crowdfunding through

businesses such as Rev.com (audio transcription) and Justanswer.com (answer experts). If you have good writing skills try Scripted.com, which hires writers for different projects. You can work at home

company websites such as: www.kickstarter.com www.rockethub.com www.quirky.com www.indiegogo.com

as an online teacher or as a virtual

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www.crowdfunder.com

Career Source South Florida (305) 853-3540 103400 Overseas Hwy. Pink Plaza Key Largo www.careersourcefl.com Research online or visit the office to

and set up a virtual recruiter that will automatically notify you of jobs that match your skills. The section called Silver Edition is devoted to seniors seeking employment. Follow the “Senior Services” link under “Job Seekers.”

search for a job, talk to a career counselor, learn about work-training opportunities, develop job skills, receive funding for school and update a resume. The staff is knowledgeable, encouraging and friendly.

H&R Block

Election Poll Workers

Office Depot

(305) 852-7106 102050 Overseas Hwy.

Key Largo http://jobs.officedepot.com The company often has openings for part-

Key Largo www.keys-elections.org Poll workers are needed for every election. Working the election polls is a public service you can volunteer to do, and there is monetary compensation for your time. Training is required. Call the office for information on upcoming schedules and training well in advance of an election.

www.hrblock.com/career This tax firm hires seasonal workers to assist with tax advice and preparations. They offer flexible hours and training.

time store associates. Apply online.

UPS www.jobs-ups.com Driver helpers and part-time package handlers are needed throughout the year, but especially during the holiday season. Apply online.

Employ Florida Marketplace (800) 438-4128 www.employflorida.com This online tool connects job seekers and employers. Use it also to assess your job skills, create a resume, find training programs, conduct and track job searches,

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LIVING THE GOOD LIFE Entertainment and Dining Music, stage performances and visual arts energize you and fuel your mind and creativity. The Keys cultural calendar is full of captivating events for young and old year round. Where else can you cheer for winners of the Anything That Floats Race, hear an underwater concert or talk with directors and film critics at a Humphrey Bogart Film Festival? Many events are free or have a nominal charge. Check newspapers for listings and view the calendars at the Monroe County Tourist website, www.fla-keys.com, and the websites for the Islamorada Chamber of Commerce, www.islamoradachamber.com, and Key Largo Chamber of Commerce, www.keylargochamber.org. Many local bars and restaurants provide free live entertainment and offer local discounts.

Cultural Florida Keys Concert Association

Friends of the Key Largo Cultural Center

(305) 451-0665

(305) 396-7000

(305) 240-0061 www.floridakeysconcerts.com For more than 45 years the Florida Keys Concert Association has brought worldclass musicians to perform in a concert

102050 Overseas Hwy. Murray Nelson Government Center Key Largo www.fklcc.org The 250-seat theater, in the Community

series. Six concerts are held each season at the Island Community Church, a former theater with stadium seating, in Islamorada. Purchase tickets online or at the box office. Seasonal passes

Cultural Center, hosts stimulating lecture series, community events for children, theater performances and musical concerts. Outdoor events are held in the bayside park. Attendees can meet and

(discount) and individual tickets are available. Students are admitted free when accompanied by a paying adult.

greet the performers and speakers before most events. Sign up for event notices on the website.

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Islamorada Community Entertainment

Morada Way Art Walk

(305) 395-6344

(305) 664-9100

86800 Overseas Hwy. Islamorada www.keysice.com For more than a decade, this homegrown, nonprofit entertainment organization has

151 Morada Way, MM 81.5 Islamorada www.moradaway.org This free fine arts and crafts event with live music is a combination block party,

produced annual events such as Bay Jam, Bay Grass Bluegrass Fest and Bay Jama Reggae Fest. Events are outdoors, under the stars, at the TIB Amphitheater in Islamorada Founders Park or at indoor

art fair and social gathering on the third Thursday, from 6:00 p.m. to 9:00 p.m. Several local restaurants are nearby.

venues in the Upper Keys. Check the website for event listings.

Keys Community Concert Band

(305) 743-0994 5101 Overseas Hwy. Marathon www.marathontheater.org

(305) 853-7294 www.keyscommunityconcertband.org Community musicians perform free outdoor Pops-in-the-Parks concerts, one Saturday each month, November to

A lively community theater group produces four main plays and several special events through the winter/spring season. Most performances are in the evening, but the matinees may be more

April. Bring your lawn chair or blanket and munchies to relax and enjoy the concert Keys-style. If you want to share your musical talent and knowledge, the band is always

convenient for seniors. Buy season and individual tickets online.

looking for new members to tutor young music students and to perform. Rehearsals are held Monday, 7:00 p.m., in the Key Largo School Band Room, MM 105. Most of the concerts are staged at the ICE Amphitheater in Islamorada Founders Park.

Marathon Community Theater

The Key Players (305) 453-0997 www.thekeyplayers.org This community theater group stages evening and matinee productions at a variety of locations in Key Largo. Attend events or answer casting calls. Find details in Part II: Staying Connected: Community Engagement: Volunteering.

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Specializing in fresh seafood and a commitment to friendly service

for over 25 years. Two great restaurants, one location! mile marker 102.4 Live Music at Encore Happy Hour at the Bar Monday to Thursday 5 p.m. to 7 p.m. “Love our Locals” Birthday Special (Call for details)

Featuring: Carmen Sotolongo-Kelley Cuban American Artist Teresa Kelley • Jason Barth Jacqueline Campa • Dan Lawler

Feel the energy of art!

(305) 451-0650 Open at 5 p.m. for Dinner

Fresh fish from local commercial fishermen, filleted on premise to maintain the freshest quality.

(305) 451-4665

Visit us at 10300 Overseas Hwy., Ste. 10 Key Largo FL 33037 Tuesday to Saturday 10 a.m. to 5 p.m. Sunday 10 a.m. to 1 p.m. Closed on Monday

305-451-0052

Lunch 11:30 a..m. Dinner 4 p.m.

102401 Overseas Hwy. • Key Largo, FL 33037 Check out our menus at www.fishhouse.com

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Key Largo Art Gallery

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Like us on Facebook for events and new art!

www.keylargoartgallery.com

What You Need to Know… about dining in the Keys Award-winning food, waterfront views, year-round outdoor dining, oceanto-table fresh seafood and kitschy and fishing-themed interiors are just a few of the hallmarks of Keys restaurants. Diners can choose from local hangouts to trendy tourist favorites. Mom-and-pop breakfast and lunch eateries are popular with seniors and the business community. Raw bars serve fresh-from-the-oceans seafood. Many of the restaurants provide free live entertainment indoors and under the stars. Others have large-screen televisions, in front of which locals and visitors alike can gather to watch live sporting events. In addition, many restaurants offer locals a discount on their meals and/or beverages. Some provide a frequent-eaters savings card. Be sure to ask.

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It's clean, it's fast, it's delicious!!!

LOBSTER BISQUE CONCH FRITTERS

COOK YOUR CATCH

Great breakfast, great lunch, great everything!!

FRESH SEAFOOD

KID AND PET FRIENDLY

We are proud of what we do for you!!

Come Hungry!

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MM 99.7 Bayside - Key Largo 6 am to 2 pm • 7 days a week docsdiner.com

OPEN DAILY 8 AM - 10 PM

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One Short Drive. Three Great Places! Live Daily Conch Shell Blowing at

Sunset Celebration

Certiﬁed Angus Steaks, Fresh Local Seafood & House-Made Pasta Dishes

Keyribbean Kooking & Kocktails www.keylargo-baysidegrill.com

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305.451.4885 • 4:30pm-11pm

Keys to Living

99530 Overseas Hwy. (MM 99.5 Bayside) Key Largo, FL 33037

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Check out our Local’s Loyalty Program:

Live Music

Get your Pilot’s License today!

Fresh, Local

SEAFOOD our specialty!

20 Large TVs JOIN US FOR SPORTING EVENTS

HOME OF THE Glass Bottom Bar™ The Pilot House Restaurant is a local's favorite and a Key Largo landmark. You can choose to dine outside at our waterfront Glass Bottom Bar ™ overlooking our five-star marina. Or, if you’re looking for a more private experience consider dining indoors in air-conditioned comfort.

All dining experiences offer a selection of beer, wine, cocktails, fresh local seafood and shellfish prepared a variety of ways, a full raw bar, a broad choice of appetizers, sandwiches, prime rib and desserts. For the little ones we have a full Kids’ menu.

100 Slip Marina with Wet Slip and Dry Rack Storage available

13 Seagate Blvd., Key Largo, MM 99.6, 305-451-3142 www.pilothousemarina.com

fb.com/pilothousekeylargo

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Exercise and Fitness Staying active in all aspects of your life—and exercising in particular—brings many health benefits as you age. It will keep you in shape physically and mentally and help ward off illness and mobility problems. No matter your mobility or ability, there is a lowor no-cost program to try.

Free Programs Enhance Fitness

park and a skate park. As a resident of Islamorada, your driver license or state ID card grants you free entry and reduced rates at the pool. Nonresidents

Islamorada Founders Park (305) 853-1685 87000 Overseas Hwy. Islamorada Key Largo Civic Club

may use the facilities for a modest fee.

(305) 451-9833 209 Ocean Bay Dr., MM 99 Key Largo www.fkahec.org Seniors get fit at this hour-long group

Key Largo Community Park and Jacobs Aquatic Center

physical activity program which focuses on cardiovascular and strength training, balance and flexibility. It is held three days a week at each location.

www.jacobsaquaticcenter.org Most of this pet-friendly park’s amenities are free: a walking and exercise trail, playground, ball fields, tennis courts, volleyball courts and more. For Jacobs

Islamorada Founders Park

Aquatics Center, see: Fee-Based Programs.

(305) 853-1685 87000 Overseas Hwy. Islamorada

Fee-Based Programs Curves

www.islamorada.fl.us/Founders_Park.asp A 40-acre public park in the center of Islamorada, Founders Park has a walking and exercise trail, marina, sand beach, baseball fields, Olympic-size pool, dog

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(305) 453-3422 500 Saint Croix Pl., MM 99.5 Key Largo

(305) 451-1972

Keys to Living

101409 Overseas Hwy. Tradewinds Plaza Key Largo www.curves.com/locations

This fitness center offers circuit training with a 30-minute workout, Zumba and Boot Camp workouts throughout the week. Its convenient location near major shopping makes regular exercise an easy part of a routine. If you are intimidated with co-ed exercising, you will feel at ease at this fitness center. There is a onetime signup fee and monthly membership.

Froggyâ&#x20AC;&#x2122;s Fitness Center (305) 852-8623 91812 Overseas Hwy. Tavernier www.froggysfitness.com The largest gym in the Upper Keys, Froggyâ&#x20AC;&#x2122;s modern facility provides weight training equipment, cardio machines and a variety of classes, including Pilates, yoga, Zumba and spin. Personal trainers are available. A discounted senior (65+) membership is offered.

Islamorada Founders Park (305) 853-1685 87000 Overseas Hwy. Islamorada www.islamorada.fl.us/Founders_Park.asp The park features a variety of exercise options: Water aerobics at the Ron Levy Aquatic Center, Enhanced Fitness program for seniors and a tennis program offering clinics, socials and private lessons. There also is yoga and even an adult coed softball league. Your proof of residency in Islamorada grants you a reduced pool membership.

Jacobs Aquatic Center (305) 453-7946 500 Saint Croix Pl., MM 99.5 Key Largo www.jacobsaquaticcenter.org Among the offerings at this center are a

(305) 432-2639 85960 Overseas Hwy. Islamorada

lap pool, diving well, water aerobics lead by a certified Master Water Fitness instructor, youth swim club and a therapy pool with a wheelchair-accessible ramp. Young children will love summer camp

www.islamoradafitness.com Build core strength, increase stamina and improve balance and flexibility through classes and activities here. It offers boot camps, personal training, different forms

and the shallow, pirate-themed interactive water-park pool. Hone your own swimming skills by watching collegiate teams compete in the Orange Bowl Swim Classic each winter.

of yoga, TRX suspension training, circuit training and spinning.

Daily, family, three-month, six-month and annual passes are available.

Islamorada Fitness

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Key Largo Civic Club (305) 451-9833 209 Ocean Bay Dr., MM 99 Key Largo The club conducts exercise classes at 9:30 a.m., on Tuesday and Thursday, for a nominal fee.

Mariners Wellness Center

lifestyle coaching. It offers a variety of yoga styles in private lessons and classes, from beginners to experts. In addition, it provides holistic coaching by certified health coaches. The Yoga Fundamentals and Slow Flow classes help older improve mobility, flexibility and strength. Towels and mats can be rented. Daily, monthly, annual and

(305) 853-3700 91500 Overseas Hwy.

punch-card plans are available.

Tavernier www.baptisthealth.net The centerâ&#x20AC;&#x2122;s full-service gym and health center with exercise machines and free weights also runs over 30 classes,

Pilates in Paradise

including small-group training, yoga and spinning. Daily, weekly, monthly, biannual and annual memberships are offered. Personal trainers are available.

Specific Disciplines Key Largo Yoga and Holistic Health Coaching (305) 879-0377 99198 Overseas Hwy., Ste. 9 Key Largo (305) 879-0377

103400 Overseas Hwy. Key Largo www.pilatesinparadise.net Highly trained instructors guide you in exercises and physical movement designed to stretch, strengthen and balance the body. Much of the work is one-on-one and by appointment. The upscale facility also offers 6-week and 10-week fitness programs.

Taoist Tai Chi Society (305) 748-0799 99353 Overseas Hwy.

91256 Overseas Hwy. Tavernier Towne Center Tavernier www.keylargoyoga.com This yoga studio combines yoga with

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(305) 453-0801

Key Largo Lions Club Key Largo www.taoist.org This gentle, graceful exercise can help increase strength and improve balance. Participants have many opportunities to

Keys to Living

socialize and grow within the practice of Tai Chi. Beginner classes are held at 9:00 a.m. and 5:30 p.m., on Tuesday and Thursday. Continuing classes follow at

you improve your stroke technique and efficiency in the water as well as provide racing training. The group practices early mornings, Monday to Saturday. There is a

6:30 p.m., on Tuesday and Thursday. Check for current schedule. There are reduced rates for seniors. No one is turned away for lack of funds.

modest monthly charge.

U.S. Masters Swimming Ron Levy Aquatic Center (305) 853-1685 87000 Overseas Hwy. Islamorada www.islamorada.fl.us/Founders_Park.asp The program is open to all adult swimmers who want to improve their overall fitness, develop and improve swimming technique or train for any type of swimming competition. Olympic-class personal trainers are available to assist or provide one-on-one training. Dedicated lanes are open strictly for U.S. Masters Swimming so they can train and do multi-lap swims. There is a modest monthly fee.

U.S. Masters Swimming Jacobs Aquatic Center (305) 453-7946 500 Saint Croix Pl., MM 99.5 Key Largo www.jacobsaquaticcenter.org Swimmers age 18 years and up may participate in the U.S. Masters Swimming program. It is designed to help swimmers set and achieve swimming goals, from fitness swimming to competition training. On-site support and instruction can help

Zumba www.zumba.com Zumba fuses fitness, music and culture into an exhilarating exercise program. There are several locations and times available in the Upper Keys. The website provides information for all the venues. Some offer local and senior discounts.

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Faith Faith is an important factor to many people. Choosing a religious community is a deeply personal decision. The Upper Keys provide a diverse choice of places to worship. Most offer some form of community and member support and often have special programs for seniors, children and those in need. Churches and synagogs also offer an excellent opportunity to volunteer and make life more meaningful.

Houses of Worship Burton Memorial United Methodist Church

Key Largo Baptist Church

(305) 852-2581

(305) 451-1642

93001 Overseas Hwy. Tavernier

835 Largo Rd., MM 106 Key Largo

Life Pointe Church of God at Plantation Key

Keys Jewish Community Center (305) 852-5235 93500 Overseas Hwy. Tavernier

(305) 852-5996 161 Pearl Ave., MM 90.5 Tavernier

Saint James the Fisherman Episcopal

Coral Isles United Church of Christ

Church

(305) 852-5813

(305) 852-8468

90001 Overseas Hwy. Tavernier

87500 Overseas Hwy. Islamorada

First Baptist Church of Islamorada

Saint Justin Martyr Catholic Church

(305) 664-4910 81201 Overseas Hwy. Islamorada

(305) 451-1316 105500 Overseas Hwy. Key Largo

First Baptist Church of Key Largo

San Pedro Catholic Church

(305) 451-2265 990001 Overseas Hwy. Key Largo

(305) 852-5372 89500 Overseas Hwy. Tavernier

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Internet and Computers The Internet opens up the world. It can be especially beneficial for seniors and individuals who have limited mobility. It is a great way to stay in touch with family and friends, as well as to meet new people. You can plan travel, access records for anything from healthcare to banking, conduct business and pursue hobbies and entertainment interests. It is a place for shopping and research. You can learn about anything and everything. You can take that course you have always wanted to take, even finish a degree at a university. You can find a partner for a special interest or you can find a new love. You can file your income taxes and even apply for Social Security retirement benefits. You can take advantage of the Internet without falling prey to predators by following a few simple precautions. Learning how to use your computer is the best first defense. When you purchase your computer, you should sign up for classes on how to get started and how to set up the security tools on your computer. Ask the store to recommend additional software or hardware that will help. For more information on security and computer use see Part I: Wealth: Financial Fraud.

Classesâ&#x20AC;&#x201D;Tech Help Libraries and senior centers have computer magazines training and Internet safety information. Search online for ebooks like Take Control, www.takecontrolbooks.com,

integration (connecting your computer, smart phone, tablet and the cloud to your television). Trained staff will create the computer set up you dream of or teach

and video tutorials, www.lynda.com.

you how to use your system better.

All Keys Computer Guys

Florida Keys Community College

(305) 707-7165

(305) 809-3185

101425 Overseas Hwy. Key Largo www.allkeyscomputerguys.com This Upper Keys outfit offers one-on-one tutoring and tech help with Macs and PCs.

89951 Overseas Hwy. Coral Shores High School Campus Tavernier www.fkcc.edu The college regularly offers introductory

They provide such services as systems setup, maintenance and multimedia

and intermediate computer classes covering software and general computing.

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Key Largo Public Library

Comcast Cable Internet

(305) 451-2396

(800) 934-6489

101485 Overseas Hwy. Tradewinds Plaza Key Largo www.keyslibraries.org Sign in to use their free on-site computers

www.comcast.com Xfinity provides multiple high-speed Internet plans, including plans with streaming TV.

or bring your own laptop. The staff will help you access the library’s numerous digital resources, which feature audio and e-books, databases for many topics including medical, law, music, gardening,

TerraNovaNet Internet-Communications

wellness and Florida history. A volunteer teaches basic computer classes on Friday.

Keys to Peace (305) 852-7125 88800 Overseas Hwy. Plantation Key Senior Center Tavernier Keys To Peace sponsors a free computer course for seniors taught by Betsy Baste, M.Ed., Thursday mornings, 10 a.m.–11 a.m. Computers are provided. It’s a good place to learn and socialize.

Connecting at Home

(305) 453-4011 Key Largo www.terranova.net This local service provider offers a range of connections and Internet access services. They serve residences and businesses with broadband, dial-up, email, webmail, VoIP and web hosting.

Connecting with Public Access Key Largo Chamber of Commerce (305) 451-1414 106000 Overseas Hwy. Key Largo www.keylargochamber.org Connect to free WiFi while you relax in a rocking chair on the Chamber’s front porch.

Key Largo Conch House Restaurant

AT&T (800) 288-2020 www.att.com Get onto the Internet with AT&T. They

100211 Overseas Hwy. Key Largo

McDonalds at Tavernier Towne Center

offer data plans and bundled packages with different speed options.

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91400 Overseas Hwy. Tavernier

Murray Nelson Government Center 102050 Overseas Hwy. Key Largo

www.monroecounty-fl.gov Connect to free WiFi while sitting inside on comfortable seating in the lobby.

Islamorada Public Library (305) 664-4645 81830 Overseas Hwy. Islamorada

Computer Organizations To help you get started, consider joining a computer group, such as the Upper Keys Macintosh User Group (UKMUG). They have monthly meetings and offer peer training, have speakers and provide safety tips primarily for Apple products, but also for cross-platform issues such as Internet safety. Even if you cannot get out to go to the meetings, you can sign up for a newsletter with helpful tips.

Key Largo Public Library Upper Keys Macintosh User Group (UKMUG)

(305) 451-2396 101485 Overseas Hwy. Tradewinds Plaza Key Largo www.keyslibraries.org In addition to free WiFi, computers are available at no charge.

Starbucks 99600 Overseas Hwy. Key Largo Public WiFi hotspots can be very convenient, but they may not be secure. Avoid doing online banking or other financial transactions on public WiFi. If you must do business in a public space, use a secure network, your phoneâ&#x20AC;&#x2122;s data network (3G or 4G) or a VPN. Go to their website, www.consumer.ftc.gov, for details.

(305) 451-2396 www.ukmug.org This nonprofit group meets in the Key Largo Public Library Community Room, on the second Thursday of the month, at 7:00 p.m. to help you get comfortable with your Macintosh, iPad, iPhone and Apple software and apps. The membership has a wide range of geek-levels. Beginners who arrive early can get assistance with basic computing skills. UKMUG helps intermediate users increase their productivity and offers experienced users a chance to ask guest speakers (occasionally) more technical questions. The meetings give members the opportunity to exchange tips on applications. Meetings are free. Sign up for their newsletter on the website.

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Repairs All Keys Computer Guys (AKCG)

Keys Computer Repair & Service

(305) 707-7165 101425 Overseas Hwy.

(305) 890-2938 103400 Overseas Hwy., Ste. 103 Key Largo www.liteva.com Provides computer services for homes and small businesses, installs software and hardware, sets up Internet and networks, recovers data and designs websites.

Key Largo www.allkeyscomputerguys.com AKCG provides tech service for mobile devices (tablets/phones) and Macs and PCs in homes, as well as IT solutions for small- to medium-size businesses. It also designs websites and offers enterpriseclass email and mail storage.

Geek Squad (800) Geek Squad (433-5778) www.geeksquad.com Offers phone, online chat, email and home technical service for computers, cars, home theaters and mobile devices.

Overseas Computers (305) 517-6857 102900 Overseas Hwy., Ste. 7 Key Largo www.overseaspc.com It offers computer repairs, data recovery and system-restoration, antivirus software, networking and home-theater installation.

What You Need to Know… about social networking Social networking is forming digital connections to share likes, links, music, thoughts, biographical info, photos, etc. with others, including family, friends, business acquaintances or strangers with a common interest. According to the Pew Research Center, “As of January 2014, 74% of online adults use social networking sites.” Is social networking right for you? And if so, which ones should you use? Make your decision after doing research. One of the best sources of information is the nonpartisan website, www.procon.org, which presents both sides of controversial issues. What are the most popular sites? According to the Pew Research Center, as of September 2014, for online adults, 71% use Facebook, 28% use Pinterest, 28% use LinkedIn, 26% use Instagram and 23% use Twitter.

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Life-Long Learning Join the community of learners who have no age threshold. Our community hosts many free lectures year round. Prestigious speakers address educational and intellectually stimulating topics in the arts, sciences, environment, history, oceans and other fields.

Lecture Series and Presentations Delicate Balance of Nature (305) 451-9570 102601Overseas Hwy. Pennekamp Coral Reef State Park Key Largo www.floridastateparks.org Learn about Keys history, archaeology, culture and the environment. Field experts in marine and geological sciences, ornithology, ecology and biology present the talks. A free DVD archive of past talks is available at the Key Largo Public Library. Free lectures are held inside the park’s Visitor Center, at 7:30 p.m., each Wednesday, January through March.

Fruit & Spice Park (305) 247-5727 24801 S.W.187th Ave. Homestead www.fruitandspicepark.org Only 30 miles north of Key Largo, the park hosts large festivals as well as lectures and classes on selecting, growing, eating and hybridizing fruits, herbs and vegetables that grow well in South

Florida. After classes, enjoy lunch in the café or spend the day in the garden.

History of Diving Museum (305) 664-9737 832990 Overseas Hwy. Islamorada www.divingmuseum.org The museum features one of the world’s largest international collections of diving helmets, suits, equipment and artifacts. With many hands-on exhibits, it’s a great place to take grandchildren and visitors to learn the 4,000-year-old story of man’s quest to explore under the sea. Also onsite is the elegant Bauer Diving History Research Library, used to host the free “Immerse Yourself!” lecture series held on the third Wednesday of every month, at 7:00 p.m. Topics cover a wide range related to sport and commercial diving, underwater photography, shipwrecks, treasure hunting, marine biology and history. The museum is open daily from 10 a.m. to 5 p.m. with a reduced admission charge for seniors and children. Don’t Drive by, Dive In!

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Mariners Hospital (305) 434-3400 91500 Overseas Hwy. Tavernier www.baptisthealth.net Mariners Hospital offers free seasonal lectures by healthcare professionals on health, diet, nutrition and food choices. Past presentations have included a series on heart health and breast exams. Check with the hospital for dates and topics.

Matecumbe Historical Trust (305) 393-0940 www.matecumbehistoricaltrust.com Seasonal lectures on Keys history are presented at the Island Community

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Church, MM 83, while the new Irving Eyster Museum of Florida Keys History is being constructed. The lectures are hosted periodically. Admission is free.

Ocean Life Lecture Series (305) 396-7000 102050 Overseas Hwy. Murray Nelson Government Center Key Largo www.fklcc.org Friends of the Key Largo Cultural Center and Florida International University host a seasonal public lecture series on timely topics related to oceanography, marine biology and the environment by experts from the university. Check the website or newspapers for dates.

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What You Need to Know… about learning in the (free) digital classroom Want to feel empowered? Learn something new. There are free digital resources that make it easier than ever to learn. Understand science, grasp technology and increase math skills. • Khan Academy: Math, science, economics, history, SAT prep— www.khanacademy.org • Udacity: Computer-science courses—www.udacity.com • Platzi: Professional courses on web and app development, online marketing, interface design and server admin—www.platzi.com • YouTube: Learn how to do, build and fix just about anything— www.youtube.com Listen to the most innovative and creative minds in the world to gain insight into your world. • Ted Talks: “Ideas Worth Spreading” in 18 minutes or less—

www.ted.com Massive Open Online Courses (MOOCs) Take free online courses taught by university faculty to lifelong learners. • iTunes U: Apple platform for universities—www.open.edu/itunes • Coursera: 1,047 courses from 121-partner universities—

www.coursera.org • EdX: Classes with the world’s leading universities—www.edx.org • Novoed: Universities for group learning—www.novoed.com • OpenCulture: 875 free courses from universities—

www.openculture.com

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Pets Owning a pet has health advantages. According to WebMD, they can help lower your blood pressure, lessen anxiety and boost your immunity. Seniors who own a pet are more active, motivated and social. Studies show that seniors with a dog are healthier than those who don’t own a pet because pets can reduce depression and lessen loneliness. For the most enjoyment look for a pet that matches your living situation and physical condition. Consider all the costs involved beyond initial purchase. Vet bills, food and preventive expenses, such as heartworm, flea and tick medications, add up.

Dog Parks

Key Largo Lions Club

Dog parks and beaches have their own etiquette and rules. One rule all dog parks have: clean up after your pet. Some parks supply bags, but bring your own, just in

(305) 451-5880

case the park has run out. It is suggested you bring a leash and water for your dog. Be mindful of the effects of heat on your playful pet, especially in the summer. Socialization of your dog may require patience and several visits, but the rewards for you and your pet can be worth the effort.

Islamorada Founder’s Park

99353 Homestead Ave., MM 99.5 Key Largo Membership includes use of the dog park.

Marrvelous Pet Rescues 305-453-1315 MarrvelousPetRescues.com • Foster-based rescue • Care and treatment of stray/abandoned/ needy animals • Responsible pet ownership education and promotion of spay & neutering

(305) 853-1685 87000 Overseas Hwy. Islamorada www.islamorada.fl.us/Founders_Park.asp Residents of Islamorada can use the park at no charge. Non-residents will only pay the admission fee for humans.

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• Volunteers are the heart of our team! • Foster a pet, work a rescue, walk a dog, help with events for fundraising and so much more… • There are MANY ways to saves lives.

Please, Adopt... Don’t Shop!

Finding a Pet Marrvelous Pet Rescues (305) 453-1315 99900 Overseas Hwy. www.marrvelouspetrescues.org Marrvelous Pet Rescues offers animals that need temporary homes as well as forever adoptions. All animals have been vaccinated and spayed or neutered. Prospective caretakers are screened. Adoption fees vary.

The shelter offers dogs, cats and often other domestic animals, including ferrets and rabbits, both young and mature, for adoption. All are up-to-date on their vaccinations and have been spayed or neutered. Private funding covers the cost of spay and neutering services for pets of Upper Keys residents.

Upper Keys Humane Society

Humane Animal Care Coalition

(305) 451-3848 101617 Overseas Hwy. Key Largo

(305) 451-0088 105951 Overseas Hwy. Key Largo www.humaneanimalcoalition.com

www.upperkeyshumanesociety.org This nonprofit is a no-kill shelter for dogs and cats. You can become a foster parent for animals in transition to new homes.

Upper Keys Veterinary Hospital EXCELLENCE IN VETERINARY MEDICINE SURGERY DENTISTRY

Dr. Robert Foley Dr. Irene Flegel Dr. Lora Cummings Dr. Kelley McDonald Exotics Avians Reptiles Certified Acupuncturist Digital Radiography Medical Laser Therapy Alternative and Wellness Medicine Gluten Free Diets Grooming Boarding Giant Excercise Yard Ultrasound

305-852-3665

www.upperkeysvet.com

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MM. 87.8 Oceanside, Plantation Key 139

Island Hammock Pet Hospital® Dr. Martha Edwards Dr. Marta Pawluk Dr. Suzanne Sigel

98175 Overseas Hwy • Key Largo We are committed to providing you and your pets the highest quality medical care at the lowest cost possible with a dedication to excellence and compassion in Veterinary Medicine.

305-852-5252 Serving the Upper Keys Mon - Sat: 8AM-6PM www.IHPH.net Practicing Preventative Medicine and Wellness Providing Comprehensive Medical Services On Call 24 Hour EMERGENCY Service Dog and Cat Boarding with online “virtual visitation” from our KennelCams and KittyCams Passionate about animals, compassionate about animal care

Services Animal Care Clinic (305) 453-0044 100660 Overseas Hwy. Key Largo www.animalcareclinickeylargo.com This full-service veterinary clinic also offers grooming, boarding and hyperbaric oxygen therapy.

Doggie Daycare/Pet Motel (305) 451-3678 104980 Overseas Hwy. Key Largo www.thepetmotel.org The center provides daycare, kennel boarding and grooming services.

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Grannies Bed, Bone & Spa (305) 853-0056 88165 Overseas Hwy. Islamorada Dogs and cats are welcome for boarding and daycare. Grooming services are available.

Island Hammock Pet Hospital (305) 852-5252 98175 Overseas Hwy. Key Largo www.ihph.net The hospital is committed to providing the highest quality medical care at the lowest cost possible with a dedication to excellence and compassion in veterinary medicine. Serving the Upper Keys, they practice preventive medicine, provide comprehensive medical services, 24x7 emergency service and offer secure and comfortable pet boarding services.

Upper Keys Veterinary Hospital (305) 852-3665 87801 Overseas Hwy. Islamorada www.upperkeysvet.com This Upper Keys animal hospital provides diagnostic, dental and surgical services, including 24/7 emergency services and nutritional guidance. It is one of the few clinics to provide certified veterinary acupuncture and cold-laser procedures.

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What You Need to Knowâ&#x20AC;Ś about pet preventive healthcare There are many similarities between human medicine and companion animal medicine. To prevent diseases and ailments, we see our personal doctors and dentists at regular intervals for examinations, consultations and treatments. These regular trips to the doctor and dentist keep us healthy, allow us to maintain or increase our quality of life and help to control healthcare costs. Illnesses that are not diagnosed or left untreated can reduce our lifespan and possibly diminish our quality of life. Illnesses discovered in advanced stages will be much more expensive to treat and the prognoses will likely be less promising. These principles of â&#x20AC;&#x153;preventive healthcareâ&#x20AC;? also apply to managing the healthcare of our pets. As guardians, our pets rely on us to care for their health and well-being. As a veterinarian, I prefer to prevent problems today than treat those problems in the future. Most people are familiar with the concept that one year in a human life is equivalent to seven years in the life of a dog or cat. Although a generalization, this ratio accurately reflects the fact that the metabolic rate of our pets is much higher than humans. Since our pets mature faster, ailments and diseases also manifest themselves at a faster rate. For this reason, preventive healthcare is vital to the well-being of our pets. The best way to ensure that our pets stay happy, healthy and long-lived is to provide preventive healthcare that includes, a comprehensive annual exam; a possible spay or neuter procedure; oral and periodontal care; heartworm, flea and tick prevention; diet management and vaccinations. Preventive healthcare for our pets can prevent future problems, increase the quality of life of our pets and save money in future medical costs. By following these principles of preventive healthcare, we can ensure that our pets are happy, healthy and live a long and enjoyable life! Dr. Martha Edwards of Island Hammock Pet Hospital

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Recreation There are many ways to enjoy the waters around the Florida Keys. Dealers sell boats for every experience and income level. However, you may not want to own your own boat, considering the price of a boat and trailer, dockage or storage, maintenance and licensing. Renting may be better for you. If you travel often or worry about hurricanes, it is one less concern. For information on vessel and trailer licensing see Part I: Services: State Services.

Boat Clubs and Rentals Bump and Jump Boat Rentals

kayaking, paddle boarding, sail kayaking and canoeing. They also repair boats.

(305) 664-9494 99800 Overseas Hwy. Key Largo 85500 Overseas Hwy. 75891Overseas Hwy. Islamorada

Treasure Harbor Charters

www.keysboatrental.com Located at the Holiday Inn, Bud & Mary’s and Smuggler’s Cove marinas, this company offers powerboat rentals for fishing, diving and cruising with daily and weekly rates. Novice boaters can use the services of a captain-for-hire.

Florida Bay Outfitters Paddlesports Center (305) 451-3018 104050 Overseas Hwy. Key Largo

www.treasureharbor.com This marina has offered Keys bareboat sailing charters since 1990. The staff prides itself on friendly, personal service, from recommending destinations to being available for clients. Its vessels (Hunter, Watkins and Morgan), ranging from 23 feet to 41 feet, are wellequipped for fun, comfort, performance and safety. Short- and long-term dockage.

Upper Keys Sailing Club

www.paddlefloridakeys.com Locally owned for over 20 years, this business provides instruction—from basic to advanced paddling skills—rental and sale of new and used equipment for sea

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(305) 852-2458 (800) FLA-BOAT 200 Treasure Harbor Dr., MM 86.7 Islamorada

(305) 451-9972 100 N. Ocean Bay Dr., MM 99.5 Key Largo www.upperkeyssailingclub.com Located bayside on Buttonwood Sound

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since 1977, the club provides dockage, a clubhouse, social activities and lessons. Membership required for most activities. They host a weekly meeting and club clinics for boat handling and racing.

Caring for Our Waters When you venture out on the water, safety and fun are two major concerns. Due to the shallow nature of the waters around the Keys, seagrasses and mud flats can be easily damaged by inexperienced and careless boaters. Propellers churning up sediment can suffocate plants. Boats that run aground damage the bay and ocean bottom and leave lifeless trails that can take a decade or more to recover. The best way to protect your boat and our waters is to take a free or low-cost course offered by public agencies.

Florida Fish and Wildlife Conservation Commission

Wild Women on the Water (305) 393-0527 Women in this group enjoy camaraderie while participating in such activities as boating, sailing, kayaking and canoeing. All skill levels are welcome. There are outings each month on weekends and weekdays. The club organizes two events during the year to include men. Guest speakers discuss topics from reef ecology to engine repair. Meetings are on the first Tuesday of the month, at Craig’s Restaurant, MM 90, at 7:00 p.m.

(305) 289-2320 www.myfwc.com/boating The Commission enforces safe and environmentally friendly boating and fishing practices in the Keys. The website provides a list of community ramps under the “Boating” menu.

Florida Keys National Marine Sanctuary (305) 852-7717 www.floridakeys.noaa.gov The Sanctuary sets regulations for boating and fishing in the waters surrounding the Florida Keys. You can get involved in protecting the Sanctuary by volunteering with Team OCEAN.

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National Parks Conservation Association (NPCA)

Seatow Service and Free Radio Check

www.npca.org NPCA’s Eco-mariner program was such a success at showing that boater education can safeguard the marine environment,

www.seatow.com Use VHF channel 26 or 27 to check your radio. The system will respond with an automated reply and replay your original radio transmission, letting you know

(305) 451-3330

that each park plans to roll out its own version in 2016. In our region, it will provide an understanding of Florida Bay’s geography, threats, protection and regulations in an effort to protect Florida Bay’s wildlife and its unique shallowwater habitats. For more information on NPCA’s efforts to protect our waters, visit the site and search “Marine Protection.”

exactly how well your radio is working. Much like an auto road/tow club, Sea Tow provides service to its members in boating emergencies. You can request emergency service without a membership, but at full rates.

United States Coast Guard Station

(305) 289-2320 www.myfwc.com Fishermen between 16 and 65 years old

(305) 664-8077 183 Palermo Dr., MM 86 Islamorada www.uscg.mil/d7/staIslamorada This law-enforcement agency safeguards

must have a Salt Water Fishing license to fish from a boat. Florida residents age 65 years and older do not need a license. If you fish from shore or a bridge, you need a Shoreline License. This license is free

our waters. Its boater resources include vessel safety checks, navigation rules, training in the Coast Guard Auxiliary, online accident reporting and hurricane information. The Auxiliary’s Boating

to all, but you must register and have the license with you when you fish. Acquire either license online or at a tax collector’s office. Proof of age and residency will be required. The site gives

Skills and Seamanship class covers nautical highway signs, rules of the road, navigation, course charting, boat handling, equipment, radio procedures and other safe-boating skills. There is a modest

up-to-date information on regulations.

charge to cover supplies.

Saltwater Fishing Licenses

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Florida Bay Outfitters Paddlesports Center Family-owned and operated since 1991 Located on Blackwater Sound next to the Caribbean Club Mile Marker 104 bayside Largest selection of kayaks, paddleboards & canoes in the Keys Hobie pedal/sailing kayaks too! We are a full-service shop providing: ! •! Sales • ! Eco-tours • ! Rentals • ! Instruction ! We deliver! • ! Repairs Check!out!our!Summer!Paddle!Camp!for!kids!and!teens,!the!June!rental ﬂeet!sale!and!the!Paradise!Paddlers!&!Pedalers!Meet;up!group.

305-451-3018 • www.paddlefloridakeys.com Our!experienced!staﬀ!will!help!you!plan!your!mulC;day!trip!in!the!Keys!&!!Everglades.!

What You Need to Know… about enjoying your local parks The county owns beachfront property nestled at the end of neighborhood streets. Facilities are usually limited to parking and trash cans. Park hours are usually sunrise to sunset. •

Islamorada Library Beach: Features covered picnic tables and grills behind the library at MM 81.5, bayside

•

Garden Cove Park: A boat ramp, but no beach, is available on this 1.5-acre park at MM 106, Key Largo

•

Sunset Point Park: Along with a beach, this 1.2-acre Tavernier park has a boat ramp at the end of Sunset Drive, MM 91

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Parks–National, State, County and Community The Upper Keys are blessed with an abundance of national, state, county and community parks on land and in the water. Senior, military and local discounts are available at many of the parks that charge admission.

National Parks (888) 275-8747 www.nps.gov For an annual fee of $80, the National Parks and Federal Recreational Lands

bird watching or just sit and enjoy the one-of-a-kind ocean views. Garden Key, which is located nearly 70 miles off Key West, is open year-round, 24 hours a day.

Pass, available to anyone, gives free admission and reduced amenity fees to more than 2,000 facilities operated by the Forest Service, National Park Service, Fish and Wildlife Service,

Fort Jefferson, on Garden Key, is open year-round from sunrise to sunset. The campground is a self-service area with a modest fee. Admission is $10, good for seven consecutive days.

Bureau of Land Management and Bureau of Reclamation. The Lifetime Seniors Pass, available to U.S. citizens over 62 years old, costs $10 in person or $20 by mail. The Access Pass for visitors with permanent disabilities is free. So is the Military Pass. Military ID is required. Find the details at www.nps.gov/findapark/passes.htm

Dry Tortugas and Fort Jefferson Monument (305) 242-7700 www.nps.gov/drto Explore historic Fort Jefferson by personal powerboat or boat tour. Snorkel the incredible reefs, enjoy world-class

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Everglades National Park (ENP) (305) 242-7700 40001 State Road 9336 Homestead www.nps.gov/ever The Main Park entrance leads to miles of trails, waterways, guided tours, biking trails and a visitor’s center with exhibits, films and information. If you plan to fish, you should review the fishing regulations for the park. If you plan to boat and are not familiar with boating in Florida Bay, where the waters are often shallow and the ecology extremely fragile, ENP management recommends that you review their “Boating” page for details

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on how to protect the marine environment: www.nps.gov/ever/planyourvisit/boating.htm. Admission is for seven consecutive days at all park entrances. An annual

obtain a discount on an annual pass. Overnight accommodations are offered at 55 parks with campgrounds, 19 parks with cabins and one with a lodge. Seniors

pass is also available for unlimited visits for all the guests in your vehicle.

65 and over and disabled Florida residents receive half off the base fee for camping.

Florida Keys EcoDiscovery Center

Bahia Honda State Park

(305) 809-4750 35 E. Quay Rd. Key West www.floridakeys.noaa.gov The Center has more than 6,000 square

(305) 872-2353 36850 Overseas Hwy. Big Pine Key The sandy beach at this Lower Keys park has earned a spot on several lists of the

feet of interactive exhibits as well as a mockup of the undersea laboratory Aquarius. A film is shown in the Discovery Theater. Mote Marine’s “The Living Reef” exhibit is a 2,500-gallon

top beaches in the country. It is ideal for picnics, swimming, birding and relaxing. Fishing is accessible from the shore or by launching from the boat ramp. Rent kayaks and snorkeling gear or sign up for

reef tank with corals that highlight the unique and complex ecosystem of the Florida Keys. Parking and admission are free. It’s open Tuesday to Saturday, 9:00 a.m. to 4:00 p.m.

a snorkeling excursion. Learn about the island’s plants and animals in the nature center. Stay overnight on your own boat at one of the 19 boat slips (fee) or reserve a campsite or vacation cabin.

State Parks

Curry Hammock State Park

www.floridastateparks.org Florida’s 171 State parks and trails encompass 800,000 acres and 100 miles of beaches. They are enjoyed by more than 25 million visitors a year. Seniors

(305) 289-2690 56200 Overseas Hwy.

participating in SNAP are eligible for a discount on the daily entrance fee. U.S. Military members and their families may

Marathon This park is made up of a group of islands in the Middle Keys. It has public access to swimming, a playground, picnic tables, grills and showers on the ocean side of Little Crawl Key.

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Dagney Johnson Key Largo Hammock Botanical State Park (305) 451-1202 County Road 905 Key Largo Over six miles of nature trails provide a wealth of opportunities for birdwatchers and photographers. Most of the park’s trails are paved and accessible to both bicycles and wheelchairs. Signs posted

offer visitors a unique trail experience, it is the coral reefs and their associated marine life that bring most visitors to the park. Enjoy the view of the reef from a glass-bottom boat tour or get closer by scuba diving or snorkeling. Canoeing and kayaking are popular. Fishing is permitted in designated areas. Visitors can enjoy walking on short trails and

along a self-guided nature trail provide information about the park’s ecosystem and wildlife.

elevated boardwalks, picnicking or swimming at the beach. The Visitor Center has a 30,000-gallon saltwater aquarium. Videos are shown in its theater. Campsites are available. Beach

Indian Key Historic State Park

wheelchairs are available at no cost.

(305) 664-2540 Offshore island at MM 77 Islamorada The park is accessible only by boat. Visitors come here to swim, sunbathe and hike. Boat and kayak rentals are available from Robbie’s Marina at MM 77.5 or call (305) 664-9814.

John Pennekamp Coral Reef State Park (305) 451-1202 102601 Overseas Hwy. Key Largo www.pennekamppark.com The park encompasses approximately 70 nautical square miles. While the mangrove swamps and tropical hammocks in the park’s upland areas

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Lignumvitae Key Botanical State Park (305) 664-2540 Offshore island at MM 77 Islamorada Ranger-guided tours are given twice daily, Friday through Sunday. The park is accessible only by private boat or tour boat. Tour boat services, timed to catch the ranger-guided tours, as well as boat and kayak rentals, are available at Robbie’s Marina, (305) 664-9814.

Long Key State Park (305) 664-4815 67400 Overseas Hwy. Long Key Visitors can explore this island by

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canoeing through a chain of lagoons or hiking. The Golden Orb Trail leads visitors through five natural communities to an observation tower that provides a panoramic view of the island and its profusion of plant and animal life. Some of the best bonefishing in the Florida Keys is found here. The full-facility campsites overlook the Atlantic Ocean.

Florida Keys Overseas Heritage Trail (305) 853-3571 The trail is the longest and skinniest park in Monroe County! This multi-use pedestrian and bicycle trail features more than 70 miles of existing bike trail across 37 bridges. It is part of a planned, 106mile corridor that runs from North Key Largo (State Road 905) to Key West. A popular segment is the tree-lined threemile neighborhood road in Islamorada.

San Pedro Underwater Archaeological Preserve State Park (305) 664-2540 Underwater at MM 77 Islamorada The underwater site has been enhanced with replica cannons and an anchor. Visitors can also appreciate the marine life that occupies the site. It is located in 18 feet of water, approximately 1.25 nautical miles south of Indian Key.

Windley Key Fossil Reef Geological State Park (305) 664-2540 84900 Overseas Hwy. Islamorada Visitors can walk along eight-foot-high quarry walls to see cross sections of the ancient coral and learn about the quarry and its operation, an important part of Floridaâ&#x20AC;&#x2122;s 20th-century history. Examples of the quarry machinery have been preserved at the park. Visitors can enjoy the natural attributes of this park while strolling five short, self-guided trails. Picnic tables are available. The park is closed Tuesday and Wednesday, but open for self-guided tours other days of the week. The Visitor Education Center is open Friday to Sunday, 9:00 a.m. to 5:00 p.m. Rangerguided tours are Friday through Sunday, 10:00 a.m. and 2:00 p.m.

County Parks www.monroecounty-fl.gov Monroe County Parks encompass 100 acres of parks and beaches, some with full facilities. Parks allow free access to residents. Proof of residency is required. Each park has its own fee schedule for nonresidents and services such as use of boat ramps. General hours of use for the gated parks are sunrise to sunset.

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305-451-3018 • www.paddlefloridakeys.com Our!experienced!staﬀ!will!help!you!plan!your!mulC;day!trip!in!the!Keys!&!!Everglades.!

Friendship Park Overseas Hwy., MM 101 Key Largo This small park has space to picnic and play a game of softball or basketball. The Children’s Memorial Tree Garden is a place to reflect. Admission is free. The

Harry Harris Park Burton Dr./E. Beach Rd., MM 92.6 Tavernier This is a place to spend the day at the ocean. Basketball courts, a playground, pavilions and BBQ grills are close to restrooms and parking. Two softball

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admission fee for nonresidents. The park is pet friendly.

Key Largo Community Park

park is pet friendly.

fields host local teams.

A popular feature is its deep-water, easy-access boat ramp. There are 15 dayparking spaces for vehicles with trailers (maximum length is 45 feet). There is an

(305) 453-SWIM (7946) (305) 453-3422 YMCA 500 St. Croix Pl., MM 99.4 Key Largo www.jacobsaquaticcenter.org The largest park in Key Largo, this 15acre recreation area offers a variety of ways to enjoy your day. Take a yoga class; exercise at the running track-

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walking path with a par course fitness trail; play basketball, handball, tennis or volleyball; join a team on the softball field; or use the playground and skating ramps. Cool off in the Jacob’s Aquatic Center in the summer and enjoy the heated pool in the winter. There is a fee for Jacob’s Aquatic Center. The park is pet friendly.

Community Parks Why use your parks? According to an article in the American Journal of Public Health, studies have shown that contact with nature offers a range of medical benefits. These include lower blood pressure and cholesterol levels, enhanced survival after a heart attack, more rapid recovery from surgery, fewer minor medical complaints and lower selfreported stress.

Murray Nelson Government & Cultural Center

Anne’s Beach

102050 Overseas Hwy. Key Largo This passive park is directly on the bay. It has 5 shady pavilions with electricity, 12 picnic tables, 20 benches and restroom access during business hours in the government center. Admission is free. The park is pet friendly.

Old Settlers Park Overseas Hwy., MM 92 Tavernier Nature surrounds you at this restful little park. The trail leads you through native flora and butterfly gardens. Enjoy your walk to a large pavilion or continue on to the ocean. There is a small parking lot and street parking. No restrooms are available. The park closes at sunset. Admission is free. The park is pet friendly.

MM 73.5 Islamorada www.islamorada.fl.us There is everything here for a day at the beach. You can swim, kite board and kayak (bring your own) or walk the shallow waters all the way out to the channel. You often can spot stingrays in the knee-deep water. There are restrooms and covered picnic facilities. Admission is free. The park is pet friendly.

Islamorada Founders Park (305) 853-1685 87000 Overseas Hwy. Islamorada www.islamorada.fl.us/Founders_Park.asp Along with boat ramps, a beach and marina, baseball and soccer fields, tennis and basketball courts, an Olympic-size

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pool at the Ron Levy Aquatic Center, a skate park and a dog park, this 40-acre public park in the center of Islamorada features a variety of exercise programs.

Islamorada residency grants you free park admission and reduced swimming pool access. There is a fee for nonresidents. Nonresident seniors (65

Try your hand at water aerobics, senior fitness and tennis. There is even an adult coed softball league. Proof of

years and older) and youth (under 18 years old) receive a discount on annual passes and daily pool access.

The local’s resource guide to the Upper Keys!

Keys to Living A Practical Guide to Living a Long Life in Key Largo • Tavernier • Islamorada

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Transportation Being able to get from place to place can be very important to oneâ&#x20AC;&#x2122;s sense of independence. That is especially true of seniors who can no longer drive. Friends and family members can help, but many seniors feel uncomfortable imposing on others. Fortunately, there are alternative means of transportation, both private and public. Seniors with limited income can take advantage of reduced-cost or free local community transportation services. Here are companies and organizations to help you get across town or to the airport (Miami MIA, Fort Lauderdale FLL). For medical transportation, see Part IV: When You Need More: Getting the Care You Need: Caregiving and In-Home Care.

Private Transit Service to Airports Airporter

for the entire six passenger van and the vehicle will wait if you have a delayed flight.

(305) 852-3413 This service offers three round trips to MIA each day, making runs morning, noon and evening. Individualized service to MIA and FLL is also available. You should book at least 48 hours in advance.

Florida Keys Express Shuttle (305) 743-7454 www.floridakeysexpressshuttle.com The shuttle provides door-to-door Keyswide service to both airports. The 14-

Keys Transportation (305) 395-0299 www.keystransportation.com Clean, nonsmoking vehicles are used for private door-to-door transportation to MIA and FLL. The company offers a personal driver for a day trip to Key West or Miami for groups. You also can design your own sightseeing trip by the hour.

Keys Airport Shuttle (888) 765-9997 (305) 289-9997 www.keysshuttle.com

passenger vehicle has free WiFi.

Key Largo Taxicab (305) 395-2747 www.keylargotaxicab.com This taxi provides local private car transport service as well as transport between the Upper Keys, MIA and FLL. Airport rates are

Six daily door-to-door shuttles to MIA and FLL leave from Marathon and run approximately every two hours from 8 a.m. to 4 p.m., returning southbound every two hours. Reservations are recommended.

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Reef Runaround

Public Assistance Transport

(305) 986-0734

Middle Keys Transportation

www.reefrunaround.com Travel between the Upper Keys and MIA and FLL airports with door-to-door service in private, six-passenger SUVs. Fully licensed and insured.

(305) 434-7660 (prompt 2) www.gcmk.org The Guidance/Care Center offers transportation service “… to persons who because of physical or mental disability,

To ‘N’ Fro Personal Service (305) 393-0955 www.tonfro.com Luxury sedans provide customized trips and transport between the Upper Keys and MIA and FLL airports. Advanced reservations are recommended.

Taxi Service Dana’s Sunshine Taxi (305) 900-7364

Islamorada Taxi (305) 664-4100

Key Largo Taxi & Mom’s Taxi (305) 451-9700 (305) 852-6000

income status or age are unable to transport themselves or to purchase transportation and are, therefore, dependent upon others to obtain access to healthcare, employment, education, shopping and social activities or other life-sustaining activities.” The route runs from the Upper Keys to Homestead on Monday, Wednesday and Friday, leaving Marathon at 10:30 a.m. and picking up at Islamorada Library (MM 81), San Pedro’s Church (MM 89) and the Guidance/Care Center (MM 99). Escorts are allowed. Cost is based on a sliding scale. Reservations are required; a minimum of 48 hours for Monroe County destinations and a minimum of 72 hours for Homestead trips.

Monroe County Transportation (305) 292-4424 Reservations (305) 295-4373 Cancellations www.monroecounty-fl.gov This service offers transportation for residents, particularly disadvantaged, elderly and disabled residents and their

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escorts for medical appointments, grocery shopping, employment interviews or other appointments. It serves best when your schedule is flexible. Register with Monroe County Social Services before your first booking. Low-cost ($1-$2 one way) doorto-door van service can be arranged for registered residents Monday to Friday. Book up to one week ahead for transport.

Public Buses Dade-Monroe Express—Route 301 (305) 891-3131 www.miamidade.gov/transit Route 301 runs between Marathon and Florida City. The northernmost drop and pickup is at Wal-Mart, S.W. 328 Street. The Upper Keys stops are along U.S. 1, at

Vehicles are equipped to carry wheelchair clients. On the website use the “Residents” link to find “Transportation.”

covered shelters. The bus also stops on hail. Northbound buses run from 6:30 a.m. through midnight; southbound buses from 5:30 a.m. to 10:00 p.m. In Marathon you can transfer to the Lower Keys Shuttle to

Veterans Office Monroe County

continue to Key West (see below).

(305) 289-6009 Transport Coordinator www.monroecounty-fl.gov The county provides a van with limited seating to transport Veterans to Miami for medical appointments. Preregister and verify your qualification as a Veteran. When you have booked an appointment, let the transport coordinator know, even if it is months in advance. Letting the doctor’s office know you are traveling by van will allow them to give you an accommodating time for your appointment. The van’s schedule varies. Vans pick up in the Upper Keys around 7 a.m. and return in the late afternoon. An escort is permitted to travel with you, if necessary. On the website search under “Veterans Affairs” for contact numbers for transportation.

Greyhound Bus (800) 231-2222 www.greyhound.com This bus line can take you between the Upper and Lower Keys as well as to Miami International Airport (MIA). Purchase tickets online in advance. Bus service runs twice a day to and from MIA.

Lower Keys Shuttle (305) 809-3910 www.kwtransit.com You can ride between Marathon and Key West for just a few dollars. The shuttle service connects to the Dade-Monroe Express, Route 301, in Marathon to provide bus service northward to Florida City. Exact fare is required.

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Part III

Residential Choices HOME SWEET HOME HOUSING CHOICES HOW TO AGE IN PLACE RELOCATING SENIOR/SPECIAL NEEDS HOUSING CHOICES

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What You Need to Know… about safety in your home Accidental falls are a leading cause of injuries and death in the home. The numbers are highest in very young people and seniors. You can protect yourself and your family by following these simple guidelines:

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•

De-clutter entries and walking paths.

•

Rearrange furniture to minimize risk.

•

Install handrails in hallways, stairways and bathrooms.

•

Use adequate lighting; include motion-sensitive room lights and photosensitive night lights.

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Make sure bath and kitchen areas are free of spills.

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Install non-slip surfaces in your tub and shower.

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Install a flexible, detachable shower head to use with a shower chair.

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Use rubber-backed rugs and mats on hard surfaces and remove extra rugs and mats from carpeted areas.

•

Obtain a lifeline communication device.

•

If you live alone or are at home a lot, choose an easy-to-use mobile or portable telephone to carry with you in the house.

•

Wipe up spills as soon as possible.

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HOME SWEET HOME Housing Choices If you are relocating to the Keys or moving within the Keys, the first thing to decide is whether you are going to rent or buy. Unlike other areas around the country, in the Keys, sale and rental prices don’t vary as much by neighborhood as by whether the property is a waterfront or dry lot. Waterfront lots, which command a premium price, are located on a canal, the bay or the ocean. Properties with a water view are also more expensive. One way to lower the rental or purchase cost is to look for homes that are manufactured– trailers or modular homes. Renting a legal “mother-in-law” apartment is another option. A real estate agency is your best choice for buying property. Agents can look at multiple listings covering the most properties. Many agencies also provide rental service. Use their websites or visit an office. Pick up free color real estate magazines at shops and roadside kiosks. Visit www.realtor.com, the official site of the National Association of Realtors, for property listings. The median home sale price was $380,500 in Key Largo, $442,500 in Tavernier and $692,500 in Islamorada for sales during the period December 2014 to Mar 2015, according to the popular real estate website www.trulia.com. Rental properties are also available in the local newspapers and on Craigslist (www.craigslist.com). Word of mouth is a great way to find an apartment before it is listed in the media. Websites such as www.hotpads.com list rental properties (and sales) in the Upper Keys, but most of the popular national rental sites do not. According to www.rentometer.com, the median rental price for a one-bedroom in Key Largo is $900, in Tavernier is $878 and in Islamorada is $1,100. Upper Keys real estate, for sale and rental, is higher than in many parts of the country. To help working families afford homes, local government provides Workforce or Affordable Housing. For information in Monroe County, contact the Monroe County Housing Authority, (305) 292-1221. A good credit rating is your best bet for obtaining the best mortgage rates as well as getting the rental you want. Be sure to let your real estate agent or potential landlord know if you have a good credit score.

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How to Age in Place As you age you may need to rethink your living arrangements. While a large, multistory house might have been perfect for your growing family, it might not accommodate the physical and sensory changes you face in your older years. Keeping up with cleaning, maintenance and the rising costs of utilities are other reasons to consider your situation. Add to those issues physical challenges that affect mobility and safety. You have options. You can stay in your current home and make upgrades, move to a smaller home, move in with family or a friend or move to senior housing. If you stay in your home consider making it more accessible. The Universal Design Living Laboratory, www.udll.com, has helpful ideas. Books like Universal Design: A Step-By-Step Guide to Modifying Your Home for Comfortable, Accessible Living by B. Krueger and N. Stewart also feature many ways to keep you safe and comfortable. Decisions made before you need them will cost less. A Certified Aging in Place Specialist (CAPS) is a remodeling contractor certified by the National Association of Home Builders who has “… been trained in the unique needs of the older adult population, aging in place home modifications, common remodeling projects, and solutions to common barriers.” Ask your contractor if he or she is familiar with CAPS.

Home Improvements If you are like most elders, you will prefer to stay in your own home after retirement. And you will want to make your home safe and accessible. A safe home is less

special needs. Start by making a room-byroom checklist of potential hazards. Monroe County provides services to help you age in place. They can assist

stressful for you, your loved ones and any caregivers you might need. Experts recommend a few key retrofits that will improve your mobility, enhance your safety and keep you

with residential modifications such as handle replacement and safety bars, provide personal monitoring to make sure you take pills or get help if you fall and recommend activities to keep you healthy.

comfortable. These improvements can also make it easier for visitors who have

Start with minor retrofits. There are lots that you can do yourself, such as

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replacing handles and levers. Just as there are kitchen gadgets and tools that are more comfortable for older hands, there are levers and handles that make it easier to open and close doors and cabinets and turn faucets on and off. Rearrange furniture to increase mobility with canes, walkers and wheelchairs. Remove throw rugs and secure doorplates, which could cause you to stumble. Adequate lighting is another important feature to reduce the risk of falling and to protect your eyes from strain while doing everyday activities. Balance can be an issue when you are older. So grab bars strategically placed in bedrooms, bathrooms and hallways can reduce your risk of a fall, the secondleading cause of accidents for the elderly. Since we live in a hurricane-prone community, it is also wise to make sure your home will survive a storm. A building professional can help you evaluate your home. (It may also save you money on your insurance.) For major retrofits, unless you are handy or have experience with building, you will want to seek the help of a professional contractor who is familiar with county building codes. Does the main entry to your home have stairs? If so, consider adding a ramp. It may be easier to walk up and will be more suitable for a wheelchair that you, a loved one or a visitor may need.

If the electrical outlets or switches that you frequently use are low or high on the wall, you should consider having them moved to a more convenient height. It is also possible to renovate for wheelchair access by removing drawers in a sink vanity, by widening doorways and by rearranging furniture. A bedroom and bathroom on the ground floor will reduce your need to climb stairs and enable you to use a wheelchair, if the need arises. If you need to make major adjustments to move your master bedroom to the first floor, seek the advice of a professional.

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Lic. & Ins. CGC1511836 ! !

Shannon Swank

Swank General Contractors • New Construction • Remodeling & Upgrades • Ramps, Handrails, Safety Retrofits • Universal Design for Wheelchair Use P.O. Box 1485 Homestead, FL 33090

786-255-1820

structural improvements to strengthen their homes. There is a “DIY Wind Inspection” video and Cost of Flooding Calculator. Use Pick-A-Peril to learn how to prepare for disasters: fires, hurricanes, thunderstorms, tornadoes and lightning.

National Institutes of Health (NIH) (800) 438-4380

Department of Housing and Urban Development (HUD) (800) 569-4287 www.hud.gov The Section FHA 203(k) program is a tool for neighborhood revitalization and for expanding homeownership opportunities. The program allows homebuyers and homeowners to finance up to $35,000 into their mortgage for repairs. The funds can be used to improve your current living conditions, prepare your home for sale or make repairs to your new home. Search on the “Seniors” link for articles.

Federal Alliance for Safe Homes (877) 221-SAFE (7233) www.flash.org The resources and easy-to-use online tools promote life safety and show consumers how to make interior and exterior

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www.nia.nih.gov/alzheimers The NIH’s free booklet “Home Safety for People with Alzheimer’s Disease” (NIH Pub. No. 02-5179) suggests tips about safety for seniors with dementia. Other publications cover senior housing and long-distance caregiving.

Security Improvements Monroe County Sheriff’s Office Security Survey (305) 853-3211 www.keysso.net Use the Sheriff’s Offices’ checklist of tips to make your home more secure. A 48question survey helps you examine your residence’s entry points to determine steps that will reduce your vulnerability. You also may contact any one of their offices to have someone come to your home and do a security survey of your property.

Keys to Living

Relocating Your home is a personal and precious environment, so the very thought of downsizing before a move leaves many seniors paralyzed with anxiety and unable to create a plan. They put it off and put it off and then find themselves in a crisis situation. If the task is overwhelming, you do not have to do it all at once or by yourself. Plan to tackle one room a week or a month, whichever is more manageable. Make it fun. It is a celebration of your life. Make three piles: items to keep, items to sell and items to give away to loved ones and nonprofit organizations. Ask friends and family to help you hold a yard sale, sell stuff on eBay or Craigslist. To prepare the house for sale or to get a cleaning deposit back, you should consider hiring a company, such as Odd Jobs in the Keys, (305) 393-1639, or Useful Spaces, (937) 779-2527. They specialize in cleanups and clean outs. Get references. Along with the resources you will find in this section, you should consider books on the subject, such as Moving for Seniors: A Step-By-Step Workbook by Barbara H. Morris. It is a guide for seniors and their adult children to assist them with decisions on when it is time to move, where to move, what to move and how to work through the process. It has questions and answers, charts, lists and “what-to-do-with-it” tips.

Managing Your Move If your downsizing and organizing efforts fall short, consider hiring a senior move management company to help you develop and execute a plan. They offer a menu of services and are professional at anticipating their client’s emotional and moving needs. If you plan to move, they can help with the sorting, packing, moving and unpacking to make your new home feel like “home.” Be sure to get references.

National Association of Senior Move Managers (877) 606-2766 www.nasmm.org This nonprofit trade association represents a fast-growing industry of companies that help plan moves, the way wedding planners help plan weddings. Member companies meet with clients to develop a moving plan. Some charge by the job, others charge by the hour. Get references.

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Senior and Special Needs Housing Choices There are many reasons why people decide to move. You may decide to make new housing arrangements because of financial circumstances or because a loved one has passed away and you need less space. You may want to be around people your own age or you no longer enjoy the constraints of living in one place. Your decision might be based on a change in your physical condition that requires assistance in your daily activities. Whatever the reason, you have many lifestyle choices, from extended-stay campgrounds to 55-years-and-older communities, from retirement communities and independent living centers to facilities that offer the full range of options like skilled nursing and Alzheimer’s care. Here is a brief guide to the different types of housing choices for seniors. See also Florida Housing Search in this section. See Part IV: When You Need More: Getting the Help You Need.

Adult Care and Housing

Continuing Care

Visit and compare several facilities multiple times to be sure they satisfy your needs and quality standards before making a selection. Once you choose,

Retirement Communities

inspect the facilities closely and read the contracts carefully. Understand them before signing. It is best to consult an attorney if you plan to buy or are required to put down a large deposit. Florida’s Department of Financial Services provides information about some of these facilities in a handy guide called “Long-Term Care: A Guide for Consumers.” View it on their website, www.myfloridacfo.com, and search for “Long-Term Care” or call their Consumer Helpline at (800) 342-2762.

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Rather than packing up and moving multiple times in their older years, some seniors feel more comfortable choosing a Continuing Care Retirement Community (CCRC). These communities, which often come with a higher price than other facilities, provide a continuum of care, ranging from independent live-in houses or apartments to assisted-living facilities and skilled-nursing facilities within the same community.

Assisted Living Facility (ALF) If you or your loved one is close to or already in need of greater services, you may want to consider Assisted Living or

Keys to Living

Residential Care (RCF). An ALF provides housing, meals, supportive services and healthcare for residents who need assistance with daily living. Some

water, sewer, electric, telephone connections, on-site propane, 24-hour laundry facilities, TV and WiFi access and mail delivery. The lots often tend to

provide specialized programs for residents with memory loss. Residents must meet admission requirements related to age, abilities and health.

be more spacious so you can settle in. Some offer work positions for reduced rates or in lieu of fees.

Point of View RV Resort Residential Care Facility (RCF) RCFs are state-licensed single-family homes providing assisted-living services —medications, activities, supervision, meals—to one or a few individuals. Some provide programs tailored for patients with Alzheimer’s or other forms of memory loss. Seniors with mild to severe memory loss have many options, from facilities that offer multiple levels of care to those devoted to residents with memory loss. These facilities provide exercises and activities tailored to their residents’ abilities, such as physical and mental workouts for a balanced approach to cognitive fitness, and staffs trained to assist residents with memory loss.

Extended-Stay Campgrounds Many campgrounds offer discounted rates for campers who stay three months or longer. Extended-stay guests enjoy more of the comforts of home, such as

(305) 451-5578 99010 Overseas Hwy. Key Largo www.pointofviewrvresort.com This bayside RV resort includes water, sewer, electric, WiFi and TV hook up. Amenities include a marina with docks, clubhouse, pool, beach, bathhouse and laundry facilities, all within walking distance of shops and restaurants. The resort, which has a mix of short-term and extended-stay sites, has become a popular place for RV rallies.

Key Largo Kampground (305) 451-1431 101551 Overseas Hwy. Key Largo www.keylargokampground.com This resort features water, sewer and electric, a marina, clubhouse, pool, beach, bathhouse and laundry. It is within walking distance of shops and a library with WiFi in Tradewinds Plaza.

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Over-55 Communities Independent-living communities are for active seniors. Residents are like-minded individuals of a similar age group, living close to each other, with a wide range of amenities tailored specifically to them. They usually charge monthly or yearly association fees to cover the costs of amenities, services and maintenance, much like a condominium association. Some of these communities sell the properties, others have a combination of owned and rented homes. As the name implies, they generally restrict residency to people over 55 years old. However, the age requirement varies. In some of these communities, all occupants of a residence must be 55 years or older. In others, only the majority of the occupants are required to be a senior.

In the Upper Keys they list three registered 55+ Communities: • Captain Jax RV Park, 103650 Overseas Hwy., Key Largo • Ocean Cove Trailer Park, 92101 Overseas Hwy., Tavernier • Silver Shores Community, 751 Tropical Dr., MM 95.8, Key Largo

Retirement Communities These are like over-55 communities. Meals, transportation and activities are included in a monthly fee. There are no retirement communities in the Upper Keys, but several commercial and statesponsored online services can help you locate ones in other areas of interest.

Florida Housing Search 55 and Older Communities (850) 488-7082 fchr.state.fl.us You might feel more comfortable living in a community of older adults, especially if you like to socialize and you no longer drive. The Florida Commission on Human Relations maintains a list of Florida’s registered “55 and Older Communities,” where at least 80 percent of the residential units are occupied by at least one person 55 years or older.

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www.floridahousingsearch.org The Florida Housing Finance Corporation and nonprofit and government agencies sponsor this site to help Floridians find affordable housing, adult family care homes and assistedliving facilities. The affordability calculator lets you figure out how much rent you can afford. The site also connects people to other housing resources such as a rental checklist and renter’s rights information.

Keys to Living

What You Need to Know... about finding the right senior housing • Evaluate options based on current and future care needs. • Consider where you want to live based on family, friends, climate and

the type of facility where you will feel most at home. • Review your family finances. Research financial assistance provided

by insurance and state, local and federal programs. • Visit the facility several times at different times of day. Then when you

have narrowed it down to one facility, stop in for an unannounced visit. • Visit different parts of the facilities—resident rooms, dining halls and

activity areas—talk to Admissions Coordinators. Ask questions: • Are there advance, annual, monthly or supplemental fees? • What is the policy for refunds and rebates if you leave? • How and when do fees increase? • What happens if you have financial difficulties? • What kind of care is available? Will it be included or cost extra? • How large is the staff and what services do they provide? • What kinds of activities are available? • What kinds of meal programs are offered? • What are the rules for coming and going? Can you have visitors and pets? • What are you allowed to bring? What happens on move-in day? • Under what conditions, if any, will you have to move out? • What kinds of residents will you be living with?

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PART IV

WHEN YOU NEED MORE Special Needs Care Adult Care • Caregiving/In-Home Care Healthcare Advocates • LONG-TERM CARE

Maintaining Good Health Nutrition • Safety/Security Special Health Needs: Vision/Hearing

When You Need A Helping Hand Getting The Help you Need • Veterans’ Services

End-of-Life Necessities Last Wishes • Care • Final Arrangements Military/Veterans • Estate Liquidation

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SPECIAL NEEDS CARE Adult Day and Residential Care An adult daycare center can improve the health and welfare of caregivers and those for whom they care in three ways: First, it’s a reliable respite for full-time caregivers. Second, caregivers who must work during the day have peace of mind knowing their loved one is safe. And third, it lets seniors with limited mobility get out and socialize. How does it work? You drop off your loved one at the center or use the center’s transportation to pick up him or her. During the day, the center assists with daily living skills, therapies, health monitoring, exercise and meals. It also can help plan care. The cost depends on the services needed. Government programs cover some adult daycare centers. Visit several centers to determine which center meets your loved one’s needs. Try out the center for a few days before committing to any long-term program. When your loved ones need more supervision and care, or you can no longer care for them at home, assisted living or residential care may be the solution. These facilities provide full-time live-in care. Services include activities, administering of medications, meals, exercise, rehabilitation and nursing care. The cost can be expensive and generally is not covered by Medicare. Florida has some programs to help you pay for it. Also check www.payingforseniorcare.com for creative care solutions. See Long-Term Care listing.

Daycare Facilities Swankridge Care Centers

Tranquility Bay Adult Day Care

(305) 248-9662

(305) 440-2398

122 N.W. 7th St. Homestead www.swankridge.com If you work in Miami, this center may be convenient for your loved one who needs

100360 Overseas Hwy. Key Largo www.tranquilityadultcare.com Age-appropriate exercise, spa/beauty services, activities and games are

daycare. Services include help with eating, bathing and physician visits.

available at this facility. A social worker is on site. There is nursing care for

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Tranquility Bay Adult Day Care •! •! •! •! •! •!

Transportation door to door Fully staffed, certified personnel Health care services / monitoring Safe, secure environment Enjoyable, educational activities Enhanced level of independence

•! Socialization and peer support •! Nutritious meals / snacks •! Hair / manicure personal care •! And more… webcams, field trips, caregiver support group, respite care or daily care, bilingual

Visit us - let’s talk! We can make it work for you.

305-440-2398

www.TranquilityAdultCare.com Mile Marker 100 (Bayside) Monday to Friday—8:30 a.m. to 5 p.m.

100360 Overseas Hwy. Suite 6-8

Serving Kendall to Key West

Key Largo, FL 33037

Certified by State of Florida for Alzheimer’s Care, Dementia and Parkinson • Fully Licensed and Insured

We accept: Self-pay, Medicaid Waiver, Long-Term Care Insurance, Veterans, Credit Cards

diabetic needs, feeding tubes and dressing changes. Meals are included in the daily rate. Special diets can be requested. Eating assistance is provided.

independent, but do not require 24-hour nursing care. Fees are income-based for daytime caregiver relief, short-term residential care and full-time residential

Getting your loved one to and from is easy with the center’s door-to-door transportation. Hours are Monday to Friday, 7:00 a.m. to 6:00 p.m.

care. Search “Bayshore” on the website.

Residential Care in the Keys Bayshore Manor (305) 292-4533 5200 College Rd. Key West www.monroecounty-fl.gov This county facility offers service to residents 60 years and older who are not

Plantation Key Nursing Center (305) 853-0799 48 High Point Rd. Tavernier www.plantationkeync.com The nursing center offers occupational, physical and speech therapy; out-patient rehab care; short- and long-term nursing care; and Hospice and respite care. A secure wing is available for patients with Alzheimer’s Disease.

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Palace Gardens (305) 247-0446 Care Centers

est. 1965

A bold new care system for the aging: •! •! •! •!

Rehabilitation—Stroke/Orthopedic/Medical Dementia Care—Alzheimer's and Related Diseases Counseling and Assessments Care—Residential and Daily

Find what you need... Rehabilitation • Nurses on Staff • Medications Assessments • Nutritional Support • Therapeutic Diets Transport and Assist to all Medical Appointments Advocacy

Plus what you want... Holistic Care • Home Cooking/Kosher Available • Trained & Caring Staff Respectful Personal Attendants • Stable Environment • Activities & Outings Private Suites • Beauty Services • Exercise Program • Peace of Mind

www.swankridge.com

e us Giv , and ll ! a ca s talk ’ t Le

305.248.9662 or 305.342.4854

Stop in for Lunch or Dinner Closed Sunday & Monday Director gotoswankridge@aol.com 305.248.1076

Sallyann Swank

Swankridge Care Center

1351 N. Krome Ave. Homestead www.thepalace.org Twenty-seven miles from Key Largo, the center provides assisted-living residences in a casual, comfortable setting with residences for seniors who can care for themselves. It provides care and facilities for residents with Alzheimer’s and other memory impairments. This center is part of a group of care facilities run by The Palace Group. They also have centers in Kendall, Coral Gables and Weston.

122 NW 7th St. Homestead FL 33030

Sunny Hills of Homestead Residential Care in Miami-Dade Homestead Manor (305) 248-0271 1330 N.W. 1st Ave. Homestead www.thepalace.org This 81-bed skilled-nursing and assistedliving community, near Homestead Hospital, is 28 miles from Key Largo. It offers a range of healthcare options including short-term rehabilitation and long-term-care nursing. Medicare/ Medicaid is accepted.

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(305) 258-2222 25268 S.W. 134th Ave. Princeton www.lgp-alf.com This 6-acre assisted-living facility has 120 beds in private and shared rooms of different sizes and levels of care. It offers a secure 40-bed memory-support unit with structured daytime programs for Alzheimer’s and dementia patients who need supervision and special assistance. Meals are served in a restaurant dining room setting.

Keys to Living

Swankridge Care Centers

Housing Resources

(305) 248-9662

Florida Affordable Assisted Living www.elderaffairs.state.fl.us/faal The Department of Elder Affairs has a link to resources for seniors who require

122 N.W. 7th St. 120 N.W. 17th St. Homestead www.swankridge.com These two community residential houses provide a nurturing home atmosphere for adults who need assisted care. The staff gives personalized care with an emphasis on comfort, improving resident health and maintaining good health through exercise, attention and a diet of healthy, home-cooked food. Professional staff and on-call specialists deliver dementia care and post-stroke and orthopedic-surgery rehabilitation. The staff also takes residents and daycare guests to doctor appointments. There is a high staff-topatient ratio, which keeps residents engaged and active. Patients can exercise and relax in a large tree- and flower-filled garden with a fish pond. The private patient rooms are individually decorated, and the large family room has sofas, easy chairs and entertainment. Both houses are located in quiet residential neighborhoods.

more daily care. Use it to find assistedliving residences and professionals who provide assistance. It also provides information on resident funding programs as well as tips on selecting a residence.

Florida Health Finder www.floridahealthfinder.gov. This state agency provides information and listings on adult-residential facilities, including state inspection ratings. The â&#x20AC;&#x153;Resourcesâ&#x20AC;? link leads to downloadable booklets on elder health issues.

Sharp Seniors www.sharpseniors.com As a private resource for seniors, this site provides information about retirement communities and special needs living, e.g., assisted, dementia, nursing homes. It covers how to finance your assistedliving. You can search an extensive directory of senior living properties to fit any budget and lifestyle.

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Caregiving and In-Home Care Caring for an elderly family member can be rewarding, but it also can be demanding. Typical caregiving activities include personal care, shopping and household duties; aid with mobility, medications and treatments; driving to appointments and coordinating medical care; handling finances and making legal arrangements. There are many resourcesâ&#x20AC;&#x201D;federal, state, community and privateâ&#x20AC;&#x201D;as well as technologies and devices to help caregivers meet the special emotional and physical challenges of caregiving. Aging-services technologies such as remote monitoring, emergency response and wellness-management solutions can help with some of these activities and reduce caregiving costs, increase your independence and give you peace of mind. Devices such as lockable automatic medication dispensers with an alarm provide timely reminders and prevent double dosing. Glucose and blood pressure devices send data to your loved oneâ&#x20AC;&#x2122;s doctor or to you, wherever you are. Safety monitors remotely alert you when a loved one has wandered, opened the refrigerator or even turned on the stove. Shop locally first. Ask if non-stock items can be special ordered. For other items turn to the Internet, where you can order supplies online and have them delivered. Whether you care for your loved one yourself or hire a caregiver, it is important to build a support network of family, friends, church members, neighbors and others to reduce the stress on you, your caregiver (if you have one) and family members. The cost of home healthcare depends on where you live and the extent of care needed. You can pay for services through savings, private insurance, Medicare, Medicaid and resources through the Older Americans Act or the Veterans Administration.

In-Home Caregivers Finding home-health caregivers can be daunting, but it need not be. Your first step should be to ask family and friends for recommendations.

Health Compare, www.medicare.gov/ homehealthcompare, finds agencies that service your area. The site lets you compare agencies and includes patient

Government comparison tools help you find home healthcare. Medicare Home

ratings for how well the home agencies communicated and provided care. Use this

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as a guide when you are researching home healthcare services. You can use the Eldercare Locator, www.Eldercare.gov, or call (800) 677-1116, to find programs available where you live. The site offers useful tips to help guide your search for quality home healthcare. Additional national organizations can provide information when choosing home healthcare services: the National Association for Home Care at (202) 547-7424 or www.nahc.org, and the Visiting Nurse Associations of America at www.vnaa.org.

Griswold Home Care (305) 809-7933 www.griswoldhomecare.com This agency has provided home care in the Upper Keys for over 20 years. Caregivers assist clients who are at risk for falling; have Alzheimer’s and dementia, neuromuscular conditions and physical disabilities; and who need postsurgery and respite care. Caregivers can be hired hourly and for 24/7 live-in care.

Experienced with Alzheimer's and Hospice Care Available days, nights, weekends, 24 hours

Janice Cote C.N.A. ◊ 25 years experience ◊ Local references available ◊ Available most anytime First come—First served for dates and times

janicecote@comcast.net

305-453-3576

Or reach me on my cell:

305-481-6215

Services My Blue Sky Health Care Products (855) 539-7630 www.mybluesky2020.com This online service assists seniors and caretakers in finding needed healthcare products. As a bonus, they deliver them to your door. Name-brand incontinence and skincare items lead the list of products. This is a subscription-based program that offers unlimited call-in service with a guaranteed two-hour response and free shipping. You can stock up on your most necessary products before hurricane season. It also features baby care products for multi-generational families.

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Support and Education Programs

Alliance for Aging

In our era of abundant information, you can find scores of organizations and agencies that can help you care for a loved one, help you with your own future care and help

(305) 670-6500

your family members care for you. Start with local resources, but do not be afraid to go online for service. Visit the Centers for Disease Control and Prevention website, www.cdc.gov, and search “Caregiving.”Many national companies and agencies can bring their services to your doorstep.

Aging Care www.agingcare.com Connecting caregivers is the theme of this site. Professionals answer practical caregiver questions, from how to provide the best care to how to cope with the stress of caregiving. The services are oneon-one as well as through posted articles. You can search for services in your home area and connect to home care and Hospice providers in the Keys. Upper Keys Alzheimer’s Caregiver Support Group Share • Learn • Find Help We welcome you to meet with us

on the third Tuesday of the month

6:30 to 8:30 p.m.

Plantation Key Senior Center Mile Marker 88.8 Bayside

(305) 853-0907

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www.allianceforaging.org The Miami-based center connects you with classes and services for adult caregivers and grandparents raising grandchildren.

Alzheimer’s Care Support Group (305) 393-4643 www.alz.org www.alz.org/seflorida The Alzheimer’s Association Southeast Florida Chapter conducts support group meetings by phone. Free and informal calls encourage caregivers to talk about finding emotional support, ways to reduce stress and how to gather new information. Online message boards help you connect with others in the same situation. Choose among boards for those with Alzheimer’s, caregivers and bereaving caretakers.

Elder Care Online www.ec-online.net Find advice on caring for a loved one through this question-and-answer forum. It addresses issues for family caregivers as well as hired caregivers and it has articles such as “Tax Credits for Caregivers” and book reviews such as They Are Your Parents, Too: How Siblings Can Survive Their Parents’ Aging Without Driving Each Other Crazy.

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Tranquility Bay Adult Day Care Alzheimer’s and Dementia Day Care and Caretaker Support Group Mile Marker 100 (Bayside) Monday to Friday 8:30 a.m. to 5 p.m. Transportation Available Fully Licensed and Insured See our ads for more information!

305-440-2398

arrangements in private homes as an alternative to institutional care. It provides needed respite services to relieve caregivers by stepping in to help with shopping, companionship, personal care and light housekeeping. Other services include home-delivered meals and assistance with home repair and heavy chores. On the website search for “InHome Services.”

You CAN get the best care AND reclaim your life.

Monroe County Emergency Solutions Grant

100360 Overseas Hwy. Suite 6-8

(305) 852-7125

Key Largo, FL 33037 www.tranquilityadultcare.com

(800) 273-TALK (8255)

www.monroecounty-fl.gov The grant provides financial assistance for individuals facing eviction for past due rent. It can assist with first, last and security deposits for folks who are

www.switchboardmiami.org Linked to Switchboard Miami, this group makes daily calls to provide social contact and check on your wellness. They also offer Suicide Prevention and Intervention

homeless. In addition, it helps with past due mortgage payments and utilities. Any household with a child 18 or under can potentially qualify for the mortgage assistance. Seniors living with a non-

Training programs. You can also call 2-1-1 for 24/7 information, referrals and crisis intervention counseling.

relative can find assistance to move into a place of their own.

Monroe County In-Home Services

S.T.E.P.S. Caregiver Support Project and In-Home Care Services

Certified by State of Florida for Alzheimer’s Care, Dementia and Parkinson

We accept: Self-pay, Medicaid Waiver, Veterans, Long-Term Care Insurance, Grants or Credit Cards

Helpline

(305) 852-7125 www.monroecounty-fl.gov In-Home Service provides residential support services to frail, impaired elderly residents. It supports family-type living

(305) 231-9936 (305) 345-6266 www.stepsflorida.org/programs.html The Project provides support services for eligible family caregivers. Staff members

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can help you find solutions related to companions, caregiver respite, material aid and housing improvements. The In-Home Care Program assists the elderly and people with disabilities struggling to care for themselves. The emphasis is on keeping you in your home by providing the services you need to continue living independently. The staff and volunteers provide homemaker services and minor home upgrades to make your home safe, more comfortable and easier to navigate.

V.A. Caregiver Support (855) 260-3274 www.caregiver.va.gov Caregivers of Veterans can turn to this site for caregiving support in and outside the home provided by a Caregiver Support Coordinator. Medical fact sheets help you understand your Veteranâ&#x20AC;&#x2122;s medical condition. The Caregiver Toolbox online helps you manage care.

Visiting Nurse Association (305) 852-7887 92001 Overseas Hwy. Tavernier www.vnahospicekeys.org VNA is the oldest and only locally operated home health care provider serving Monroe County from Ocean Reef to Key West for over 30 years. They are ranked in the top tier in the nation for patient satisfaction in providing residents with a team of professionals delivering a wide variety of skilled home healthcare from post-surgical operations, physical therapy rehabilitation, to helping individuals suffering from chronic and life-limiting illnesses such as cancer, Alzheimerâ&#x20AC;&#x2122;s and COPD. VNA can also assist and guide you in navigating difficult healthcare choices for a better quality of life at home. Services can be provided through your Medicare, Medicaid, Veterans Administration coverage, private insurance, as well as private pay. VNA home health services are available 24 hours a day, 365 days a year.

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Transportation Healthcare Ride (786) 391-7374 www.healthcareride.net Wheelchair, limited mobility and ambulatory clients can schedule van transportation to South Miami medical centers or nonmedical destinations. Staff members are Emergency Medical Technician certified. The service offers discounted rates for repeat clients and seniors. Medicaid is accepted.

This service provides transportation for residents—particularly disadvantaged, elderly and disabled residents and their escorts—who need rides to their medical appointments, employment interviews grocery shopping or other appointments. Try to be flexible when you schedule for the best service. Register with Monroe County Social

Monroe County Transportation

Services before your first booking. Lowcost ($1 to $2 one way) door-to-door van service can be arranged for registered residents weekdays. Book up to one week ahead. Vehicles are equipped to carry

(305) 292-4424 Reservations (305) 295-4373 Cancellations www.monroecounty-fl.gov

wheelchair clients. Search on the county’s website for “Residents” to find “Transportation.”

What You Need to Know… about choosing a home healthcare service •

Is it Medicare approved and certified by a national accrediting body?

•

How long has the agency been in business?

•

How are employees screened and are you given a list of references?

•

Does it have a written plan of care for the patient?

•

Does it provide on-call assistance 24-hours a day?

•

How will you be notified if a home healthcare worker cannot come?

•

Does it have a patient’s Bill of Rights describing rights and responsibilities?

•

Does it offer a written plan for resolving problems and complaints?

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Healthcare Advocates and Geriatric Care Management Face it, navigating our healthcare system effectively is a challenge, but you and your family do not have to do it alone. Families who are uncertain about how to care for a loved one can turn to Healthcare Advocates (HA) and Geriatric Care Managers (GCM), many of whom are former nurses or social workers trained in gerontology counseling. Some of their services include answering questions, making appointments for you and going with you to appointments. Based on discussions with your family and evaluations of your family situation, they develop a customized care plan specific to your needs. Typically, the HA or GCM spends two to three hours completing a comprehensive evaluation based on your mental, physical, social, financial and legal needs. This is followed by another two to three hours researching and then discussing with you and your family the recommended services and options that would be helpful for your situation. They also can help you implement your plan and make follow-up visits to determine whether the recommended care plan is working. Select an HA and GCM based on professional qualifications and on how well their personality meshes with yours. The National Association of Professional Geriatric Care Managers has standards of quality and a code of ethics. Some long-term care insurance plans will cover their services. To find service, visit the www.caremanager.org website.

Care Managers Beacon Oncology Nurse Advocates (855) 490-8777

Geriatric Care Management of the Florida Keys

www.beaconadvocates.com This fee-based, private healthcare advocacy company works with cancer patients and their caregivers to improve the care experience. They provide services throughout the state through one-on-one meetings in their office, at your home or at your doctorâ&#x20AC;&#x2122;s office. You can connect using phone, e-mail, Skype video and conference calls.

family memberâ&#x20AC;&#x2122;s financial, legal and medical issues and then offers referrals

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(305) 304-3462 Roberta Markow, R.N., C.M.C., P.G.C.M. 1200 Fourth St. Key West www.keysgeriatriccaremanagement.com This group screens participants for inhome help requirements and other services, helps you review your or your

Keys to Living

to geriatric specialists in those fields. Geriatric Care Management of the Keys can act as a liaison to families trying to provide caregiving assistance at a distance and arrange moving. Medicare does not cover the services.

Hospice of the Florida Keys and Visiting Nurse Association

Patient Advocate Foundation

(305) 852-7887

(800) 532-5274

92001 Overseas Hwy. Tavernier www.vnahospicekeys.org For over 30 years this nonprofit home health and hospice care agency has been offering client advocacy to residents of Monroe County. Consultations are available for free and their clinical team will work with patients and caregivers helping them navigate through healthcare choices that best meet their medical needs.

www.patientadvocate.org Getting the medical help and paying for the medical help you are entitled to can sometimes be difficult. This nonprofitâ&#x20AC;&#x2122;s case managers can help. They work oneon-one with patients, providers and caregivers to resolve problems with major medical issues such as access to care, medical debt, insurance denials and job retention related to an illness. The website provides informative booklets available by mail or Internet download.

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Long-Term Care (LTC) When individuals suffer from dementia, disability or prolonged illness, they may need long-term assistance with daily living, provided by skilled medical professionals. The need may be sudden as a result of an accident or an unexpected illness or it may be the result of age. In the ideal situation, loving family members provide the care. But often they do not live nearby, do not have the resources or cannot meet the high time, money and energy demands required to care long term for their ill loved one. These care services can be provided by home healthcare agencies (HHCA), adult daycare centers, assisted-living facilities (ALF), traditional nursing homes and continuing care retirement communities (CCRC). See Part I: Government Services: State Services: Department of Elder Affairs.

Long-Term Care Programs Whether it is in a home or in a facility, long-term care (LTC) can be very expensive. Planning enables you to choose the type of care you want. Begin by reviewing your finances and discussing your options with your family members, doctor, social worker and/or financial advisor. You can pay for LTC with your own finances, long-term care insurance, life insurance, an annuity contract, trusts, home-equity conversion programs (such as reverse mortgages) and assistance from federal and state programs. Advance planning with a financial planner and/or an elder care or estate attorney will help you when the need for long-term care arises. Medicare can help pay only if you

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require rehabilitative care or skilled services. Medicaid will help under strict circumstances and only once you have exhausted your personal financial assets.

Floridaâ&#x20AC;&#x2122;s Long-Term Care Partnership www.fdhc.state.fl.us This program works with Medicaid and private long-term care insurers to urge individuals to buy private long-term care insurance. A counselor will help you choose the Managed Medical Assistance plan near you that best meets your needs. Benefits allow you to claim a portion of your premium as a tax deduction under federal law. The program also protects your long-term care plan from inflation and provides

Keys to Living

dollar-for-dollar asset protection from Medicaid spend-down requirements in the event you exhaust your own finances and need long-term care. Search the

Tranquility Bay Adult Day Care

Long Term Care Certified for ages 18 years old and older

website for “Long-Term Care.”

Mile Marker 100 (Bayside) Monday to Friday 8:30 a.m. to 5 p.m. Transportation Available Fully Licensed and Insured H.M.O., Medicaid, Medicare, Grants See our ads for more information!

Long-Term Care Ombudsman (888) 831-0404 Ombudsman.myflorida.com The ombudsman responds to long-term care resident complaints and concerns, ranging from issues with medication and care administration to matters of dignity

You CAN get the best care AND reclaim your life. 100360 Overseas Hwy. Suite 6-8 Key Largo, FL 33037 www.tranquilityadultcare.com

305-440-2398

and respect. Speak up if your long-term healthcare provider is not addressing your concerns. The service is free.

Certified by State of Florida for Alzheimer’s Care, Dementia and Parkinson We accept: Self-pay, Medicaid Waiver, Veterans, Long-Term Care Insurance, Grants or Credit Cards

Long-Term Care Pathfinder

Veterans Millennium Health Care

www.longtermcare.gov Whether you are 40 years old or 80 years old, this informative website helps you understand who needs long-term care

(877) 222-VETS (8387)

and how to prepare for and pay for it.

Statewide Medicaid Managed Care (877) 711-3662

www.va.gov/elig The Veterans Millennium Health Care and Benefits Act provides long-term care benefits to a variety of services: nursing home

www.flmedicaidmanagedcare.com Florida residents who qualify for Medicaid can get help with long-term

care, domiciliary care, adult daycare, geriatric evaluation and respite care. Veterans with service-related disabilities are first in line. Skilled home care is also provided by the VA and by

care and healthcare services through two state programs: the Long-Term Care Program and the Managed Medical Assistance Program. Counselors will help you make the best choices.

contract agencies to Veterans that are homebound. Veterans who do not qualify for the free programs must make copayments. Contact your nearest VA healthcare facility for details.

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MAINTAINING GOOD HEALTH Nutrition Bodies are like well-oiled machines. They need proper fuel and maintenance to run properly. If you do not fill them with healthy food, your body may malfunction in the form of disease or loss of mobility. Unfortunately, planning a healthy diet may seem uninteresting as you age because your taste has changed, your diet is restricted for health reasons or your food budget is tight. Take advantage of the services and websites below to re-energize your appetite. Learn how to eat better and how to eat better for less.

Food Assistance and Nutrition Emergency Food Assistance Program (866) 348-6479 www.fns.usda.gov/fdd/programs/tefap The program helps individuals who have limited incomes and resources prepare nutritious, balanced meals by providing them with access to fresh fruits and vegetables, cheese, beans and other basic foods from food pantries.

Mariners Hospital (305) 434-3000 91500 Overseas Hwy. Tavernier www.baptisthealth.net Each year, Mariners Hospital presents free seasonal lectures by healthcare professionals on how to maintain good health through diet, exercise, nutrition and food choices. Check the hospital for dates and topics.

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Supplemental Nutrition Assistance Program (SNAP) (800) 221-5689 www.fns.usda.gov/snap A special SNAPS debit card lets you buy the food you need to eat well. Cards can be used at grocery stores, senior centers and meal-service programs. Benefits depend on your income, housing, location and utility and medical expenses.

Food Pantries and Meals Burton Memorial United Methodist Church (305) 852-2581 93001 Overseas Hwy. Tavernier www.bmumc.net Godâ&#x20AC;&#x2122;s Kitchen serves a hot meal on Thursday at 5 p.m. The churchâ&#x20AC;&#x2122;s food pantry is open three days a week, on

Keys to Living

Monday and Wednesday, 9 a.m. to noon, and Tuesday and Thursday, 5 p.m. to 7 p.m. During summer months the food bank provides lunch to school children

Monroe County Senior Centers (305) 853-7355

Plantation Key Senior Center 88800 Overseas Hwy. Tavernier

who no longer get free lunch at school.

First Baptist Church of Islamorada Food Pantry (305) 664-4910 81201 Overseas Hwy. Islamorada www.fbcislamorada.org Every Tuesday this small church opens its doors to a food and clothing pantry and hot-meals at 6 p.m. to those in need.

(305) 743-3346 Marathon Senior Center 535 33rd St., MM 49 Marathon This program offers lunch, activities, guest speakers, a wellness program, companionship and periodic nutrition classes and counseling, Monday to Friday, 10 a.m. to 1 p.m. Discounted transportation is provided to and from the center.

First Baptist Church of Key Largo (305) 451-5032

St. Justin Food Pantry

99001 Overseas Hwy. Key Largo The free Samaritan Suppers are held on Wednesday, at 5 p.m. Lunch bags also are available for those in need of food,

(305) 451-1316 105500 Overseas Hwy. Key Largo The food pantry opens 3:30 p.m. to 5:30 p.m. on Monday afternoons.

Monday to Friday, 9:30 a.m. to 3:30 p.m. Plantation Key Senior Center Lunch â&#x20AC;˘ Activities â&#x20AC;˘ Friendships

Home Delivered Meals

Join us! Call for more information

(305) 852-7125 (800) 963-ELDER (5337) If you are a homebound older resident, this county program can deliver safe and nutritious meals to your door.

Keys to Living

(305) 852-7133 Monday - Friday 9:30 a.m. to 1:00 p.m. 88.8 Mile Marker Bayside 88800 Overseas Hwy., Tavernier FL 33070

Call (305) 292-4424 for Transportation Look for our listing in this book!

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Safety and Security Thirty years ago personal medical alert systems came onto the market with a commercial showing an elderly woman on the floor crying out, “Help, I’ve fallen and can’t get up.” Studies show that falls account for eighty percent of accidents in old age, making the situation in the ad all too real for millions of seniors and individuals with special needs who live alone. Personal medical alert systems can provide peace of mind to you and to family members who live far away. In the ensuing years, many other companies introduced similar products. How do you select one that’s right for you? Visit the websites of the products and research their features, then decide which features you need.

Personal Alert Systems Resources Consumer Reports

Top Ten Reviews

www.consumerreports.org

www.toptenreviews.com

Use this website to learn more about personal medical alert systems. It provides information on what features the best systems have and makes comparisons for systems for both landlines and mobile

The website has done much of the research for you by comparing system features, monitoring services, contracts, fees and product support. Visit the site and search for “Medical Alert Systems

lines. Search for “Medical Alert Systems.”

Review” for details.

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Special Health Needs: Vision and Hearing Vision and hearing loss can occur at any age and often declines as you age. It does not have to deprive you of a full life. There are many resources and strategies that can help. Unfortunately, many people who have vision or hearing loss do not seek help, which can be dangerous, emotionally debilitating and can lead to withdrawal, insecurity, stress, depression, confusion and strained relationships. Getting help coping with the emotional effects of hearing and vision loss is as important as getting the right hearing aid or glasses and learning strategies that will help you thrive and stay healthy and safe. Below are helpful resources.

Eye Care for Better Vision American Foundation for the Blind www.afb.org

Key Largo Lions Club (305) 451-5880

This site provides information about vision-related rehabilitation services, which can restore function after vision loss, just as physical therapy restores function after a person loses the use of a

5 Homestead Ave., MM 100 Key Largo The group offers assistance with exams, glasses, cataract surgery and financing.

limb. The “Technology Resources” link shows how to use general technology, such as mobile phones and computers, and assistive technology, such as screen magnifiers. Home appliances, cell

National Eye Institute

phones and tools used for diabetes and high blood pressure, both of which can affect vision, are reviewed under the “Technology Evaluation” link. Search “Special Services Older” for a list of resources especially useful for seniors who have lost their vision.

(301) 496-5348 www.nei.nih.gov/health This government agency offers free information in English and Spanish on diabetic eye disease, glaucoma, low vision and vision-and-aging issues. A useful page is “Financial Aid for Eye Care.” It lists agencies and organizations that provide financial assistance with eye exams, surgery, eyeglasses and prescriptions for eye care for eligible patients.

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What You Need to Know… to set your sights on independence For numerous reasons, your eyesight fails as you age. Having your eyes checked annually and keeping your eye doctor apprised of any changes in your vision or your medication is key. Making changes around your home and using technology will improve your safety and comfort. •

Computers: Windows 7 has its Ease of Access Center and Apple has its Universal Access preferences to: enlarge the cursor, fonts and file images; read documents aloud; zoom to enlarge any part of your screen; narrate or verbalize as you pass your mouse over programs or files; change to a white-on-black high-contrast screen and other options.

•

Kitchen: Many tips can be found online, such as using colored tape to mark the most used settings on an oven, microwave or stove and using a white or dark-colored cutting board to create contrast with food.

•

Bathroom: Choose a toothbrush and soap dish to contrast with the color of the counter. Contrast soap, towels and bathmat to the floor color to minimize the chance of tripping. Use a conditioning shampoo—one bottle, no mistakes.

•

Lighting: Add battery-operated, self-adhering lights to the risers or sides of stairs.

•

Outdoors: Paint edges of pathways and stairs with glow-in-the-dark paint or add solar-powered lights.

Many of these suggestions will never be noticed by visitors, but will make life safer and easier for you. Check websites such as www.perkins.org, www.lowvisioninfo.org and www.lowvisionchef.com.

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Project Insight (800) 267-4448

Costco

www.fcb.org Trained volunteers at this Florida Council of the Blind program help the

Costco hearing-aid staff will perform a hearing test, which takes about an hour, to determine if hearing aids might help you. Visit the website for details.

www.costco.com

visually impaired adjust to their vision loss. They provide referrals to supportive organizations, economic opportunities and educational and social resources. Click on the “White Cane Bulletin” link to find an informative bimonthly newsletter with articles that address issues of living with blindness or living with someone who is blind.

Hearing Aid Hearing loss develops slowly. Some medical conditions can cause temporary or permanent hearing loss. According to the Hearing Loss Association of America, hearing loss is the most common sensory impairment for those over 65, with 30 to 40 percent of those in that age group affected to some degree. Most people with a mild to moderate hearing loss are unaware of the problem, though family and friends

Florida Teleconnections Relay (800) 222-3448 www.ftri.org The service provides free specialized phone equipment for Florida residents who are deaf, hard of hearing or speech disabled, including difficulties caused by a stroke. A representative from the Miami office makes periodic trips to the Keys.

Relay Services 7-1-1 (800) 955-8770 www.ftri.org/FloridaRelay Speech to Speech service places calls for anyone with speech problems. There are no restrictions on the number or length of calls and the service is available 24/7.

Tax Breaks for the Disabled The IRS allows special tax deductions,

usually are very much aware of it. Some seniors with mild to moderate hearing loss are too embarrassed to seek help. Fortunately, hearing aids can help many seniors. There are also services and

credits and other benefits for taxpayers with a disability and parents of children with a disability. Knowing the rules can clarify which receipts and documents to save. If you prepare your own taxes, learn

specialized telephone equipment that can help you to remain independent.

more by searching online for “Tax Tips for the Disabled.”

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WHEN YOU NEED A HELPING HAND Getting the Help You Need Sometimes a helping hand is all you need when times are tough, particularly when they come on suddenly. Dealing with health issues—your own or a loved one’s—can leave you exhausted or unable to care for yourself or support your family. A natural disaster, bureaucratic mishap or the unexpected loss of a job or supporting family member can cause a drop in income, resulting in your inability to pay for food, housing and utilities. Where do you turn in uncertain times? Turn to your community—friends, neighbors, churches and public and private agencies. Monroe County has a supportive community of volunteers, organizations and public and private resources that can help restore health and balance to your life. The Florida Keys Social Services Guide by NJ Marinaro is an excellent source of helpful services. Request a copy at floridakeyssocialservices@gmail.com.

Health Financial Aid Cancer Foundation of the Florida Keys (305) 294-7300 www.keyscancerfoundation.org An all-volunteer organization, this group is dedicated to assisting needy cancer patients while they are undergoing treatment for their disease. They provide cancer patients with direct financial aid, patient and caregiver emotional support,

Patient Advocate Foundation Co-Pay Relief Program (866) 512-3861 option 1 www.copays.org This nonprofit provides direct financial assistance to help insured patients with insurance copayments and deductibles for medications.

Independent Living

educational materials, free educational seminars, cancer screenings and referral services. Call for a personal review of your needs to determine the help that the group can give you to cover many of

Center for Independent Living

your living expenses.

This center teaches self-advocacy skills

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(305) 453-3491 103400 Overseas Hwy. Key Largo www.floridacils.org

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so you can maintain self-sufficiency and independence. Their services include cooking classes and workshops; guidance to navigating Social Security Disability, SNAP and Medicaid registration; help with reading letters and paying bills; and the loan of devices such as amplified phones. They also provide job-search assistance for disabled clients.

Keys Council for People with Disabilities (305) 292-4591 www.monroecounty-fl.gov This council advocates for people with disabilities and their families through

Supplies Coral Medical (305) 852-4393 87899 Overseas Hwy. Islamorada www.coralmedical.com This branch of Sweetwater Medical, in Miami, provides respiratory products and services and equipment as well as supplies for home care and I.V. therapy. You can purchase or lease wheelchairs and scooters, vehicle and stair lifts, walking aids and ramps. My Blue Sky Health Care Products (855) 539-7630

services, information and education.

www.mybluesky2020.com

www.coralmedical.com

We rent and sell •! •! •! •! •! •!

Lift and power chairs Hospital beds Knee and upright walkers Oxygen, portable & home Bath Safety Scooters, canes

•! CPAP and supplies •! Wheel chairs •! Delivery M-F, Ocean Reef to Key West •! We work with most major health insurances.

We have what you NEED and deliver

305-852-4393

with courtesy, care and a smile! Serving the Keys for over 25 years.

87899 Overseas Hwy. • Islamorada, FL 33036

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This online service assists seniors and caretakers in finding needed healthcare products. As a bonus, they deliver them to your door. Name-brand incontinence

motivation. The facility is fully accessible to wheelchairs, including the dolphin pools. Special programs for Veterans, families, those with special

and skincare items lead the list of products. This is a subscription-based program that offers unlimited call-in service with a guaranteed two-hour response and free shipping. You can

needs and who are ill and need physical rehabilitation are tailored to individual needs. Scholarships for programs are available based on proven financial need.

stock up on your most necessary products before hurricane season. It also features baby care products for multigenerational families.

Onshore Therapy Hands On Therapy/Rehabilitation

Therapy

www.onshoretherapy.com Physical therapy can help you with dizziness, loss of balance, loss of feeling in your feet and loss of ability to reach or bend. The staff offers therapy on balance,

Atlantic Sportcare Therapy (305) 453-1088 100210 Overseas Hwy. Key Largo www.atlanticsportcare.com Rehabilitation of orthopedic, sport, hand, spine, post surgical and total joint injuries with customized programs are offered.

(305) 587-7770 92401 Overseas Hwy. Tavernier

orthopedics and hand therapy. They are experienced in rehabilitative hospitalbased inpatient care, home health and home outpatient therapy.

Plantation Key Nursing and Rehabilitation Center

Island Dolphin Care (305) 451-5884 150 Lorelane Pl., MM 99

(305) 853-0799

www.islanddolphincare.org Therapists at this facility are certified in special education, educational and

48 High Point Rd., MM 89 Tavernier www.plantationkeync.com The center provides skilled convalescent care, occupational and physical therapy,

recreational therapy and psychotherapy and use interaction with dolphins for

IV and wound therapy, rehab and shortand long-term nursing care.

Key Largo

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These 36 affordable-housing units offer one-, two- and three-bedroom apartments near Harry Harris Park and downtown Tavernier. Applicants must meet income requirements. There is a waiting list.

Newport Village (305) 453-9200

Visiting Nurse Association (VNA) (305) 852-7887 92001 Overseas Hwy. Tavernier www.vnahospicekeys.org This nonprofit organization is dedicated to assisting underinsured and uninsured residents who require home healthcare in their time of need or those suffering from cancer and other life-altering illnesses and diseases. Once a physician makes a referral, their skilled team of professionals will provide a home assessment to determine the best course of home health and/or hospice care treatment. VNA/Hospice also provides free bereavement and cancer support programs.

Housing Blue Water Apartments (305) 852-9100 100 Burton Dr., MM 92.6 Tavernier www.bluewaterapts.com

1 Harry Davis Circle Key Largo Monroe County Housing Authority manages these homes, providing affordable housing for low- and low-tomoderate income residents.

Tradewinds Hammocks (305) 451-1415 100 Hammock Trail, MM 101.5 Key Largo www.tradewindshammocksapts.com These 66 pet-friendly units are rent subsidized by the Florida Housing Finance Corp. One-, two- and threebedroom units are available. It is near a grocery store, library and shops.

Wet Net Villas (305) 440-2917 81101 Overseas Hwy. Islamorada www.wetnetvillas.com The 18 duplexes in this pet-friendly affordable housing complex feature approx. 1,500 square feet with three

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bedrooms, two baths and a carport. You must prequalify. There is a waiting list.

Housing Services Department of Housing and Urban Development (HUD) (800) 569-4287 (888) 995-4673 www.hud.gov HUD offers foreclosure prevention counseling, the Homeowner Hope Program and reverse mortgage information. Its affordable housing search lists units in Key West and Marathon. Search for “Seniors” on the website for articles.

Monroe County Homeless Services Continuum-of-Care, Inc. (443) 974-6522 (800) 273-4558 Homeless Hotline www.monroehomelesscoc.org This agency coordinates and plans homeless services throughout the Keys.

National Council on Aging— Reverse Mortgage Counseling (855) 899-3778 www.ncoa.org A reverse mortgage allows homeowners over 62 years old to convert a portion of their home equity into cash while they continue to live at home as long as they

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want. Use the “Reverse Mortgage” link to learn about the counseling you need before applying. NCOA can help you evaluate the pros and cons of a reverse mortgage, find living benefits and assistance resources. It is approved by HUD. Call for a free counseling session.

Salvation Army (305) 294-5611 1930 Flagler Ave. Key West The Salvation Army offers emergency programs to help in times of need, including emergency food, rent and rent/ mortgage relief, utility and clothing assistance and referrals.

Personal Assistants Delivery for the Keys (305)-942-8257 www.deliveryforthekeys.com Need groceries or medication? Having a party? Or need an errand run, but don’t have the time or transportation? This business can assist you. It operates from Ocean Reef to Mile Marker 89.

Kathy Miller (305) 304-8861 Busy? Overwhelmed with day-to-day tasks? This Girl-Friday-type personal

Keys to Living

assistant provides a multitude of services such as advocacy, serving as a fitness partner, running errands, dropping off and picking up mail, paying bills and transporting you from point A to point B.

Utility Assistance Florida Keys Aqueduct Authority (305) 853-1999 www.fkaa.com The Florida Keys Aqueduct Authority offers a discount rate (currently $13/ month) for eligible seniors and permanently disabled Veterans. An applicant must be at least 60 years old or a permanently or totally disabled Veteran on the date of application. The simple application requires an affidavit. Household income cannot exceed the maximum annual Social Security retirement benefit.

Lifeline (800) 540-7039 Office of the Public Counsel c/o The Florida Legislature 111 West Madison St. Tallahassee. FL 32399 www.floridaopc.gov/lifeline.cfm For assistance paying your telephone bill, contact Lifeline. Program beneficiaries receive a credit that is deducted from the basic service charge.

Low-Income Home Energy Assistance (305) 852-7125 Social Services can assist low-income households that qualify with cooling or heating and other emergency energyrelated costs. Eligible households may receive a maximum $600 annual subsidy.

Weatherization Assistance Program (305) 292-4405

Florida Keys Electric Cooperative— Operation Roundup & Energy Audits (800) 858-8845 (305) 852-2431 www.fkec.com Funds, accumulated by rounding up each customer’s electric bill, are available to locals with special needs. Each application is reviewed and verified by the board. Request a free energy audit to identify where energy is being wasted.

www.monroecounty-fl.gov This program is designed to lower the energy consumption of low-income households. Clients receive assistance for home improvements, including repairs to leaky windows and doors, replacement of water heaters, refrigerators and air conditioners and installation of insulation and efficient light bulbs. There is no cost to you. The application is available online. Search for “Weatherization.”

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Veterans’ Services The Long Walk Home is a nonprofit program of civilians and Veterans who assist Veterans and their families transitioning from military to civilian life. It emphasizes helping Veterans heal from PTSD and TBI. Meetings are weekly, 6 p.m. to 7:30 p.m. at the Headquarters, MM 97.6, O/S, opposite Denny’s. Contact Ron Zaleski, (305) 504-3795, thelongwalkhomeinc@gmail.com or visit www.thelongwalkhome.org. Veterans are eligible for additional healthcare services to help them age comfortably. It begins with a comprehensive geriatric assessment of the Veteran’s health and social environment and ability to care for himself. The assessment is performed by an inpatient Geriatric Evaluation and Management (GEM) Unit. The healthcare providers then issue a plan of care, which may include treatment, health promotion, rehabilitation and social services. If you are in a healthcare crisis call (800) 273-8255, press option 1.

Care Services Services include Adult Day Healthcare, a therapeutic daycare program; Respite Care for the Veteran’s caregiver; Home Care by a skilled professional for nursing

community. VA may provide domiciliary care to Veterans whose annual income does not exceed the maximum annual rate of VA pension or to Veterans who have no

care, physical/occupational therapy and social services; and Palliative Care for pain management, symptom control and other services if a Veteran is terminally ill.

adequate means of support.

In-Home Care

In addition, the VA offers VA Community

The Aid and Attendance Pension Benefit offers assistance with in-home care expenses to aging Veterans and their spouses who meet certain criteria. The

Living Centers (VA Nursing Homes) for limited and/or extended periods of time. Domiciliary Care provides rehabilitative and long-term, health-maintenance care for Veterans who require some medical

benefit can provide financial assistance toward the cost of in-home care services related to daily living activities such as personal care, meal prep, medication reminders and mobility assistance. For

care, but who do not require all the services provided in nursing homes. Domiciliary Care emphasizes patient rehabilitation and return to their

more information on qualifying, go to www.agingcare.com and www.va.gov/ healthbenefits, www.myhealth.va.gov or call toll-free (877) 222-VETS (8387).

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What You Need to Know… about pre-planning final arrangements Everyone should preplan his or her funeral, burial or cremation. It does not cost anything, yet it gives you peace of mind, assures that your wishes are fulfilled and eases your family’s burden. Choose your funeral home, then talk to the funeral director about your desires so he or she can make sure every detail is handled properly.You can decide if you want to pre-pay for services so your survivors will not be burdened. • General Preparations Gather personal and military information for obituary and death certificate Choose a charity for donations, if desired • Funeral Home Services Choose burial or cremation and location of final resting place Select a casket or cremation container Select a memorial or grave marker and inscription Choose location/type of service and choice of viewing or visitation Choose flowers and photograph to be displayed Decide if and which military, religious or fraternal items will be displayed Decide what the deceased will wear Decide if jewelry is to remain or be returned Select music, hymns, and scripture or literature to be read Select a memorial register and acknowledgement cards Choose funeral coach, clergy car and family limousine • Participants Choose clergy or officiator and pallbearers Choose organist or other musical participants Select who is to perform the eulogy, read scripture or literature From on Family Care America, Inc.

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END-OF-LIFE NECESSITIES Last Wishes Talking about death is not easy for anyone. However, discussing your death is necessary to honor you and help others understand what you want in end-of-life care and after-life arrangements. Stress and anxiety make it difficult to think clearly and make the best choices. You can eliminate a lot of stress and anxiety by having the discussion as early as possible, preferably well before you become critically ill. Among the topics you will need to discuss are living arrangements when you can no longer care for yourself, the cost and type of care you want to receive when you are terminally ill, funeral arrangements and estate arrangements for the disposition of assets such as your home, vehicle, possessions and financial accounts. Having a frank discussion and review of life insurance, legal matters and finances before you are forced to make critical decisions will help you make smarter choices and help those you leave behind get through the emotionally difficult time more easily.

Having Your Say Five Wishes (888) 594-7437 www.fivewishes.org “Five Wishes” is a legal document that helps adults plan for care if there is a serious illness. It focuses on providing comfort, both physical and spiritual, at the end of life. Questions lead you through healthcare decisions, medical treatment, your comfort, personal treatment and last words for your loved ones. It has become America’s most popular living will because it is written in everyday language and helps start and

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structure important conversations about end-of-life care. The document meets legal requirements in 42 states, including Florida. In the other eight states it can be attached to that state’s required form. It lets your family and doctors know: Whom you want to make your healthcare decisions when you cannot make them. How you want people to treat you when you are ill. The medical treatment you want or do not want. What you want your loved ones to know. Complete the form online or by hand. It is available in 26 languages.

Keys to Living

End-of-Life Care Hospice is a special program offered by organizations, physicians, nurses, social workers, clergy and volunteers as a team effort to provide medical care for people with life-limiting illness. Their goal is to serve the physical, emotional and spiritual needs that accompany the end-of-life journey: to comfort, not cure. This care is usually accomplished at home. Medicare, Medicaid, private insurance and self-payment cover the cost of care. Services and benefits extend to caretakers and families of their patients through bereavement counseling. Hospice also provides medications for symptom management, medical equipment and supplies.

Hospice Care Hospice of the Florida Keys and Visiting Nurse Association (305) 852-7887 92001 Overseas Hwy. Tavernier www.vnahospicekeys.org Hospice/VNA is the oldest and only locally operated nonprofit hospice care agency serving all of Monroe County, from Ocean Reef to Key West. In every patientâ&#x20AC;&#x2122;s life there is a time for home health services, and as their illness progresses, a time for the specialized

volunteers who all specialize in end-oflife-care. An early referral to hospice means that specialized pain and symptom management can begin earlier, not only managing current symptoms but also preventing others that may occur, ensuring optimal quality of life. VNA/Hospice emphasizes allowing its clients to maintain their independence and remain in their residence of choice with friends, family and pets by their side and provides care 24 hours a day, 365 days a year.

services offered by hospice either in your own home or in a medical facility. VNA/ Hospice is a long-time advocate in providing pain and symptom management, along with emotional and spiritual care provided by a team of experts: physicians, nurses, hospice aides, chaplains, social workers and trained

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Allen‒Beyer Funeral Home Family Owned and Operated

Serving the Florida Keys, Homestead and Miami (305) 451-1444

Located at Mile Marker 101.5 Bayside www.AllenBeyer.com WeCare@AllenBeyer.com Fax (305) 451-1445

P.O.Box 373000 • Key Largo, FL 33037

The local’s resource guide to the Upper Keys!

Keys to Living A Practical Guide to Living a Long Life in Key Largo • Tavernier • Islamorada

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Final Arrangements The choices you make for the final resting of your body will be determined by custom, religious preference, costs or simply your own whims. Whatever you choose usually will fall into one of three categories: burial, cremation or donation. See What You Need to Know About Pre-Planning Final Arrangements.

Considerations Autopsy Survivors may order a private autopsy for insurance, peace of mind, litigation or medical information. Visit the website www.1800autopsy.com for details.

estimate costs. Talk to your insurance agent and funeral director about options.

Advocacy The Funeral Consumers Alliance www.funerals.org

Decisions Decide if you want a funeral or memorial service, and if so, where and how. Make those decisions yourself and put them in writing so your loved ones will not have to guess what you may have wanted. Not making decisions can lead to arguments if family members disagree on what you might have wanted.

This nonprofit organization provides education and advocacy to consumers. It is not affiliated with the funeral industry. The site provides state-by-state information on statutes and regulations.

Planning To find a place to start clarifying your own choices and as an entry into discussion

Decide how you will pay for your final arrangements. Social Security death benefits are limited to $250. The average

with your loved ones, review the â&#x20AC;&#x153;What You Need to Know About Documents Your Heirs Will Needâ&#x20AC;? box. Visit the www.mywonderfullife.com website. It provides funeral planning

cost for a funeral and burial is upwards of $6,000; cremation averages $3,000. Check the Federal Trade Commission website, www.consumer.ftc.gov, for a checklist of fees and services. Use their calculator to

information, as well as resources to define your thoughts on end-of-life decisions, how to design your memorial marker and write your own obituary. See Part V: Resources for more useful sites.

Cost

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Burial Once your loved one’s remains have been collected and cared for by the funeral home, you may have to choose his or her final resting place. Cremation is often the choice as burial options are limited in the Keys. Three cemeteries offer interment options in Monroe County—the cityowned Historic Cemetery in Key West, Memorial Gardens Cemetery in Big Pine Key and Southern Keys Cemetery, a waterfront cemetery on Big Coppitt. There are several others in Miami.

Allen-Beyer Funeral Home (305) 451-1444 101640 Overseas Hwy. Key Largo www.allenbeyer.com This family-run business serves clients and their families before and after death. They can help you pre-plan your final arrangements, so your loved ones understand your wishes and can celebrate your life with less stress. They offer cremation, burial and burial at sea as well as religious and secular memorials. Selection of caskets, urns and flowers is part of their service. A pre-payment option relieves your loved ones of financial responsibility. Convenient pay-over-time plans are also available. Special services are provided for Veterans.

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Costco (800) 955-2292 www.costco.com Costco wholesales caskets through the Universal Casket Company. We list this business as an option. However, they do not provide funeral services, so we recommend that readers consider a fullservice community business.

Sea Services (888) 551-1277 www.seaservices.com This national company provides at-sea burials, either a scattering of your ashes or in an urn on the sea floor. You have the option of an unaccompanied burial or a service with family and friends. They participate in the Navy’s Burial at Sea Program. Contact Navy Mortuary Affairs at (866) 787-0081.

Cremation Your loved one’s ashes can be scattered, kept in an urn by your loved ones, buried in a cemetery or stored in a columbarium. In the Upper Keys columbaria can be found at St. James the Fisherman Episcopal Church, St. Justin Martyr Catholic Church and Matecumbe United Methodist Church. Allen-Beyer Funeral Home also offers cremation services.

Keys to Living

What You Need to Know… about documents your heirs will need Once you set up an estate plan and end-of-life instructions make sure your heirs are familiar with them to assure your wishes are followed. A Health Care Directive or Living Will • Consider that your loved ones might be summoned to your hospital bedside when you are not able to make healthcare decisions. Doctors have no choice but to provide maximum care. A Health Care Directive or Living Will can ease suffering and anxiety. Insurance Policy • Insurance companies leave it to beneficiaries to come forward. Do your beneficiaries know you have a policy? Similar confusion results when survivors do not know your funeral arrangements or that you have a will or safe deposit box. A simple solution is a comprehensive folder of documents that your legal representative can access in case of an emergency. Include the items below and keep it in a secure place, such as a bank safe deposit box, at your attorney’s office or in a fireproof safe or lockbox in your home. Funeral Arrangements, Wills and Other Documents • Your will, trust or other end-of-life instructions • List of your bank and brokerage accounts and safe deposit box • List of monthly utilities, credit cards, creditors and debts • Military file for active-duty personnel, Veterans or retirees • Insurance policies—life, home, car, boat, long-term care, etc. • Name of your attorney and tax accountant and last year’s income taxes • List of online accounts with log-in user names and passwords • Deeds for home and property and titles for vehicles and boats • Valuations or appraisals for expensive jewelry, art or antiques

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Donation There are several reasons to consider donating your body to science. First, it helps medical schools train new doctors and research and cure diseases. Second, it

for diagnosis. The family is provided a diagnosis and pathology reports, which may have genetic implications. The Brain Bank transfers the body to a medical

may be considerably less expensive than other funeral options because you may be able to avoid costs associated with body burial in a cemetery and could reduce costs related to ordering a headstone or

center and then your funeral home picks it up at Mount Sinai for funeral services. Allen-Beyer Funeral Home does not charge for this service. You must preregister. Search for â&#x20AC;&#x153;Brain Bankâ&#x20AC;? on

memorial marker.

the website.

Donate Life Florida

MedCure (866) 560-2525 www.medcure.org The organization uses bodies for private

(877) 35-SHARE (7-4273) www.donatelifeflorida.org This nonprofit organ-procurement center, contracted by the state of Florida, works with local hospitals and transplant centers for organ donations and transplants. You can register to become an organ, tissue and eye donor. Once the donation is complete, the remains are released for funeral or other arrangements; the costs would be covered by your estate or family. You must preregister. Florida Brain Bank (305) 674-2018 (305) 674-2543 www.elderaffairs.state.fl.us/index.php The Miami-based group supports research for disease disorders of the brain. Patients with Alzheimerâ&#x20AC;&#x2122;s can prearrange a postmortem procedure to examine the brain

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studies of diseases with the goal of finding cures. There is no cost to your estate or survivors. Your body will be cremated and your ashes returned within six weeks. You can opt to have them scattered at sea. You must preregister. Willed Body Program (305) 243-6691 www.sofab.med.miami.edu The University of Miami uses bodies for anatomical training at its medical college. They do not cover charges for embalming and transport to the facility, so those costs would fall to your estate or your survivors. The cost of cremation and disposition of the remains is covered by the program.You must preregister.

Keys to Living

What You Need to Know… about the Veteran’s documents you will need The military recommends the following be done before the time of need: • Create a military file that includes a copy of retirement orders, separation papers, DD Form 214, medical records*, VA or retirement claim number*, G.I. and/or any life insurance*, Social Security number, certified copies of marriage and children’s birth* certificates, divorce decree(s)* and names and addresses of beneficiaries*. (*if applicable) • Contact the following agencies in the event of the death of an active or retired serviceman or servicewoman. Defense Finance and Accounting Service (DFAS) (800) 321-1080 option #3 (for deceased members) DFAS U.S. Military Retirement Pay Post Office Box 7130, London, KY 40742-7130 Office of Personnel and Management (OPM) (724) 794-8690 or (888) 767-6738 Department of Veterans Affairs (VA) (800) 827-1000 Defense Enrollment Eligibility Reporting System (DEERS) (800) 538-9552 Social Security Administration (for death benefits) (800) 772-1213 •

Create an annuities file. This file should contain information about the Survivor Benefit Plan, Reserve Component Survivor Benefit Plan, the Retired Serviceman’s Family Protection Plan or any applicable Civil Service annuity elected by the member.

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Salute to Military and Veterans Dealing with end-of-life issues related to members of the U.S. military, both active and retired, can be daunting if you are unprepared. So it is best to research this information in advance. Fortunately, the military provides handy checklists for surviving family members. Go to www.dfas.mil and www.opm.gov, and then search for “Report a Death.”

Monetary Burial Benefits Veterans qualify for funeral assistance, honor guards, an American flag and to be buried in a National Cemetery. The Department of Veterans Affairs provides a nominal Cash Benefit For Reimbursement of Burial Expenses for honorably discharged Veterans if they received VA non-service-connected disability pension benefits or service-connected compensation benefits at the time of death. If the death occurred in a VA hospital or VA contracted healthcare facility, additional costs of transportation of the remains may be paid. Veterans with active duty or service-connected deaths receive compensation if the Veteran died during active duty or was honorably discharged and died as a result of a service-connected injury. All honorably discharged Veterans are entitled to an American flag provided by the Veterans Administration. Go to www.benefits.va.gov and search for “Burial Benefits.”

Other Burial Benefits For those buried in private cemeteries, a simple marker will be provided if allowed by the cemetery officials. Veterans—as well as their spouse and dependent children—receive a free headstone. The headstone can include space for the future inscription of the spouse or family names. There are two national cemeteries in South Florida. There is no charge for burial in a National Cemetery for Veterans, their spouses and dependent children (except in Arlington, Virginia). If the Veteran is buried in a National Cemetery, some or all the cost of transporting the deceased may be reimbursed as a benefit. For more information call (800) 827-1000 or visit the VA Benefits Administration website at www.benefits.va.gov.

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Household and Estate Liquidation Planning ahead is the best way to make the liquidation of your estate simple and fair for your heirs. Have a will and/or trust prepared. Update it every few years, but especially if you have a major change in your life—marriage, divorce, birth, valuable acquisition, etc. See Part I The Basics: Wealth: Legal. Despite what watching Antiques Roadshow would lead you to believe, most of the belongings in your home are not undiscovered treasures. However, to make it easier on your heirs, you should get a professional appraisal of jewelry, art and antiques that might be valuable. Then, to avoid possible arguments among your heirs, you should make sure that your will reflects any bequests of valuable items. Otherwise, they will be included in the total valuation of the estate and divided per your instructions. If you are the executor of a loved one’s estate, you should contact his or her attorney and financial advisor to help with the disposition of real estate and financial securities. They can save you time and money by helping you understand your liabilities and rights.

Disposition of Assets Donate, Consign, Sell and Auction After you have distributed assets per your loved one’s will or trust, your choices for the disposal of the estate’s remaining assets (except for financial securities and real estate) probably will fall into one of these four categories. For donations, consider your loved one’s church, favorite charity or an association or organization where he was a member. Ask if they have a pick-up service for the items. Consignment shops can be found in directories for telephone or chambers of commerce. They put the item up for sale

in their store and take a percentage when it is sold. Negotiate the percentage if you are leaving highly valuable or a large number of items. You have multiple options for items you want to sell. You can hold a garage sale; list items in the classifieds of newspapers or www.craigslist; or use websites such as www.eBay.com and www.liveauctioneers.com. You can get an estimate of values by checking current or previous sales on both of those sites. Another option is to auction the assets. Check chambers of commerce and telephone directories for auction houses.

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Estate Liquidation Services These services will come into your loved oneâ&#x20AC;&#x2122;s home, assess the value of the belongings and auction or sell them for you. This type of service might be especially useful if you do not live near your deceased loved one. Be aware that the estate liquidation industry has no regulatory body. Basic research, such as an Internet search on the name of the service youâ&#x20AC;&#x2122;re considering and a check with the local Better Business Bureau or chamber of commerce will help you choose a reputable service. Ask the liquidator about liability insurance and security during the sale and valuation. Check coverage with your loved oneâ&#x20AC;&#x2122;s insurance company too.

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As with any service, you should get estimates from at least two businesses. To avoid arguments and hurt feelings, you should let family members know what you plan to sell. They might want to reclaim a gift they gave to your loved one.

Taxes and More Most estates will not have to deal with federal gift and estate taxes, which in 2015 excluded estates under $5.43 million. Florida has no estate tax.

Planning Ahead Let handling the estate of a loved one remind you to clarify your own choices, to make a will and/or trust and to start a discussion with your heirs.

Keys to Living

What You Need to Knowâ&#x20AC;Ś when your loved one dies When a loved one dies you can easily become overwhelmed. Use this list to help you move forward. Hopefully, many of the steps have been prearranged. What To Do Before The Funeral Verify burial preferences. Write an obituary, but do not include the deceasedâ&#x20AC;&#x2122;s address. Select clergy and those in the service. Choose your charity if you prefer donations in lieu of flowers. Ask a friend to stay at the house during the funeral. Contact professional or military organizations that offer special services for the funeral, such as an honor guard. If the deceased was a Veteran, notify the local VA office to apply for burial allowance, a flag and government headstone. Notify family and friends. You can assign this task to close friends or family. If the deceased was employed, notify the employer. Order 10-15 copies of the short and long death certificates.

What To Do After The Funeral Consider security. Put in a change of address with the post office. Track down unpaid bills. Cancel newspapers. Change locks on the entry doors. Remove extremely valuable items to a safe place. Contact Social Security to apply for death benefits and the deceasedâ&#x20AC;&#x2122;s attorney, financial planner, C.P.A. and other professionals. Review estate documents, e.g., wills, trusts, tax returns, marriage, birth and death certificates. Review the estate assets, e.g., life insurance, investments, bank statements, deeds and tax bills for real estate, safe deposit boxes and titles for vehicles. Check computer records for assets. Review retirement and insurance benefits. Call credit cards and ask about insurance policy benefits. Create an inventory of household and personal belongings for valuation and distribution.

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MY NOTES

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Part V

Appendix RESOURCES

INDEX

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RESOURCES PART I The Basics Health

Mayo Clinic

Pharmacy Services

www.mayoclinic.org – Search for “Prevent” to find articles that will help you stay healthy. This site also offers trusted information on many health topics.

Federal Drug Administration www.fda.gov – Tips for buying drugs over the Internet and communicating with your pharmacist are available on this site.

Web MD www.webmd.com – Find reviews on prescription and over-the-counter drugs. Search by name or description of a pill.

Physicians

Third Age www.thirdage.com – Focused on women, this site covers medical issues, money matters, caregiving and relationships.

Healthcare for Veterans Web MD

KevinMD

www.webmd.com – PTSD and brain

www.kevinmd.com - Physician Kevin Pho brings together doctors, surgeons, specialists, medical students and policy experts to address healthcare needs. Patients also have a voice on this site.

injury as well as other service-related diseases are covered on this website.

Web MD

Mint

www.webmd.com – Use this trusted website to research medical symptoms, medical tests and common conditions.

www.mint.com – This free tool pulls all your financial accounts into one place. Set

Preventive Healthcare

Wealth Banking and Financial Planning

a budget, track your goals and do more with your money.

Blue Zones

The Motley Fool

www.bluezones.com – Learn how a National Geographic project evolved into making healthy choices easier through community and environment.

www.fool.com – Empowering the individual investor with education and timely information is the focus of this site. Military service strategies are discussed.

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The Simple Dollar Blog

Insurance

www.thesimpledollar.com – This personal finance blog has been recommended by Forbes and Kiplinger.

Actuarial Foundation

Suze Orman www.suzeorman.com – The “You Earned It, Don’t Loose It” link on this respected website offers solid information.

www.actuarialfoundation.org – Resources from professionals help you assess your personal risk so you can understand the types of insurance you may need.

Government Services County, State and Federal Services

Financial Fraud Federal Bureau of Investigation www.fbi.gov/scams-safety/fraud/seniors — Learn how to avoid being a victim of healthcare, funeral, investment and reverse mortgage scams.

U.S. Government www.usa.gov – Linking you with many agencies to address your questions, this site also provides an online chat service.

Abuse

Financial Fraud Research Center

Elder Abuse

www.fraudresearchcenter.org — Find reports on fraud news and videos on an inside look at fraudsters.

www.preventelderabuse.org – This report provides insight on abuse and neglect and

Let’s Make a Plan

Emergency

www.letsmakeaplan.org – Discover tips to help you protect your financial wealth, build financial planning trust and avoid being a victim of a fraudulent advisor.

what you can do to report situations.

911 www.911.org/howwhentocall.asp – Learn when and how to call 911 for help. This site has resources for the hearing impaired.

Little-Black-Book-of-Scams www.freshfromflorida.com – Search “Little Black Book” on the latest scams.

Hurricane Evacuation & Safety

Home and Vehicle Insurance

www.cdc.gov/aging/emergency/ preparedness.htm – This website

The Hartford www.thehartford.com/mature-marketexcellence — How to keep you and your loved ones safe on the road and at home.

Center for Disease Control

addresses the special concerns elders and caregivers face during an emergency.

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PART II Staying Connected Community Engagement

Next Avenue

Social Life

www.nextavenue.org – Use this website for suggestions on applying knowledge and experiences in a meaningful way to your later life. It offers videos covering tips on health, well-being, money, learning and caregiving.

A Place for Mom Blog www.aplaceformom.com/blog – Find suggestions to end social isolation and increase your loved one’s activity.

Living the Good Life American Association of Retired Persons

Transportation The Hartford

www.aarp.org – AARP provides information on: health, retirement, money, food, travel, entertainment, politics and games to exercise your brain.

www.safedrivingforalifetime.com — Evaluate your driving habits and use the website’s tips and exercises to maximize your driving safety.

PART III Residential Choices Home Sweet Home

Village to Village Network

Aging in Place

www.vtvnetwork.org — A web-based education and support system for neighborhoods wishing to learn how to form age-in-place communities that solve the problems facing many seniors.

Age in Place www.ageinplace.com – Find innovative ideas and safety features for your home and personal security on this website.

Sharp Seniors

Aging in Place www.aginginplace.com – This website offers solutions to many issues facing elders wishing to age in their homes.

The Hartford www.thehartford.com/mature-marketexcellence — The Center for Mature Market Excellence presents information to help you stay safe in your home.

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www.sharpseniors.com As a private resource for seniors, this site provides information about retirement communities and special needs living, e.g., assisted, dementia, nursing homes. It covers how to finance your assistedliving. You can search an extensive directory of senior living properties to fit any budget and lifestyle.

Keys to Living

PART IV When You Need More Getting the Care You Need

American Association of Retired Persons

www.aarp.org/home-family/caregiving –

www. AARP.org – Check out a vast library of resources, calculators and videos on many topics, including longterm care insurance.

AARP offers information on caregiving, legal matters, spending down for Medicare, caring for yourself, end-of-life needs and grief.

National Council on Aging

Caring

www.ncoa.org – Tips on financial security, living within your income and accessing benefits are offered on this website.

www.caring.com – This group provides objective and comprehensive information to help you make difficult decisions.

Senior Resource Alliance

Caregiver

www.seniorresourcealliance.org – Find information on housing, transportation, healthcare and caregiving. Download a

www.caregiver.org – You can find caregiver information, useful strategies

copy of the Older Floridians Handbook.

and webinars for caring for a loved one.

Cash and Counseling

National Institute on Aging

www.cashandcounseling.org – People

www.nia.nih.gov – Download free

with disabilities, including older adults, learn to manage a flexible care budget and decide on services to meet their needs.

information on: caregiving, disability, healthy aging, legal and financial planning and doctor-patient communication.

Caregiving and In-Home Care Aging Care www.agingcare.com/caregiver-support – This site offers help with caring for an elder, from practical day-to-day issues to legal considerations. Topics include Veterans’ benefits, Medicare/Medicaid and finances. Free eBooks and a weekly newsletter are available.

Family Doctor www.familydoctor.org/familydoctor/en/ seniors.html – Caregiver information includes keeping your home safe when you live with a dementia patient.

Florida Kid Care www.floridakidcare.org – For seniors raising children, this Rural Health Network program offers discounted or free child health insurance.

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Great Call

Maintaining Good Health

www.greatcall.com – Find products and

Nutrition

solutions to enhance well-being, maintain independence and empower caregivers.

Nutrition

HelpGuide www.helpguide.org/elder/ assisted_living_facilities.htm – Offers information for making decisions about senior housing options.

www.nutrition.gov – The Life Stages link provides dozens of resources for better nutrition for elders.

Safety and Security National Institutes of Health www.nia.nih.gov – Find information on

Web MD www.webmd.com – Find articles and a caregiver online community.

Healthcare Advocates/Care Managers

long-distance caregiving and keeping Alzheimer’s patients safe in their homes.

Special Health Needs: Vision & Hearing

Caring Bridge www.caringbridge.org – Use this site to coordinate care and share information in a journal format.

Aging Care

Lotsa Helping Hands

American Council of the Blind

www.lotsahelpinghands.com – Several communication tools can coordinate tasks

www.acb.org – Find useful services and publications for persons with low-vision

and helpers and keep your supporters updated with photos and journaling.

or blindness.

National Care Planning Council

www.hearingloss.org – This website

www.longtermcarelink.net – Find a wealth of services and articles on the needs of seniors and the challenges of caregiving.

provides assistance and resources for people with hearing loss and their families.

Share the Care

www.visionaware.org – Learn about education on eye disease and find resources for emotional support to help deal with loss of vision.

www.sharethecare.org – This guide helps you organize a group to care for someone to lessen the stress of family caretakers.

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www.agingcare.com Search on “vision” and “hearing” to find a wealth of topics from dealing

Hearing Loss Association of America

Vision Aware

Keys to Living

A Helping Hand

End-of-Life Necessities

Veterans’ Services

Last Wishes

Military

Final Exit

www.military.com – Discover a list of specific Veterans’ benefits by state and links for spouses, discounts and tax tips as well as support through community blogs.

www.finalexitnetwork.org — Learn about the work and principles of this group that believes in personal choice for a death

Long-Term Care

with dignity.

National Caregivers Library

Aging Care

www.caregiverslibrary.org – Access

www.agingcare.com — Search “long term care” for discussions of many ways to pay for a family member’s long term care.

hundreds of useful free articles, forms, checklists and links to specific topics on seniors and caregiving.

Paying for Senior Care

U.S. Government

www.payingforseniorcare.com – You can use the resource locator tool, compare benefits and types of care, lower your cost of care, get help planning and paying for care and find ways to cut costs of services.

www.usa.gov – This website links you with many online resources for legal and financial issues, hospice, funerals and grief counseling.

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INDEX A

AARP, 16, 52, 56–57, 68, 101, 117–118

Banks (Banking), 41–46, 53–54, 133, 203, 209

Abuse, 52–53, 82, 111 Accountants (Accounting), 41, 47, 68–69, 203, 207

Baptist Hospital (Baptist Health), 9– 10, 23, 31, 35, 57, 116, 128, 136, 184 Blue Cross Blue Shield, 16

Addiction Assistance, 37 Adult Daycare, 72, 78–79, 170, 173, 182–183, 196

Boating, 41, 56, 75, 142–151, 203 Book Clubs, 102

AHEC (Florida Keys Area Health Education Center), 36

Burial (Burial at Sea), 197, 201–202, 204, 206, 209

Alcoholic Anonymous (AA, Al-Anon, Alateen), 37

Buses, 72, 155

Alliance for Aging, 15, 78, 176 Alzheimer’s, 26, 31, 71, 162, 164– 165, 171–172, 175–178, 204 Airport Transportation, 153–155 American Legion Post, 105 Animal Organizations (Animal Agencies, Animal Shelters), 108–109, 139 Apps, 20, 42, 46, 133 Arts (Arts and Crafts), 101, 121 Assisted Living (Domiciliary Care), 38, 40, 79, 164–165, 170, 173, 183, 196 Attorneys, 41, 62–67, 164, 182, 203, 207, 209

C Camping (Campgrounds), 46–47, 164–165 Cancer Care, 31–32, 34–37, 178, 180, 190, 193 Caregivers (Caregiving), 11, 18–20, 26, 31, 39–40, 55, 58, 67, 87, 162, 170–181, 192, 199 Care Managers (Case Management), 27, 72–73, 174, 178, 180–181 Center for Disease Control and Prevention (CDC), 33, 35, 87, 176 Churches and Synagogues, 114–115, 130, 174, 184–185, 190, 202, 207 Civic Groups, 99–100 Coast Guard, 144

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Keys to Living

Community Health of South Florida, 15, 25, 27 Community Parks, 126, 145–146, 150–152 Computers, 44, 51, 53, 55, 102, 107– 108, 131–134, 137, 187–188, 209 Coral Medical, 191

E Education (Learning), 136–137 Elder Affairs (Department of), 77–78, 173 Elder Law (and Special Needs Law), 62–63, 67 Elections, 70, 76–77, 80, 96, 98, 119

County Parks, 70, 145–146, 149–151 County Agencies (County Services), (see Monroe County) Credit (Credit Cards, Credit Bureaus, Credit Reports), 49–51, 53–54 Cremation, 197, 201–202, 204 Culture and Entertainment (Cultural Center, Cultural Organizations), 109– 111, 120, 135–136, 151

D Daycare, 72, 78, 79, 170–173, 182–183, 196 Department of Motor Vehicles (DMV), 75–78, 87 Dentists (Dental, Dentistry), 8, 15, 22–29, 32, 35, 37,

Elks Lodge, Florida Keys, 105 Emergency, 41, 72, 82, 84, 86–88, 111, 177, 184, 194, 195, 203 Emergency Medical, 9–10, 12, 18, 85 Emergency Pet, 139–141 Employment, 118–119, 154–155, 179 Environmental (Agencies, Attorneys, Groups, Organizations), 34, 67, 81, 112–114, 135–136, 143 Estate Liquidation, 207–208 Exercise (Fitness), 8–9, 32–33, 99, 115, 126–129, 150, 152 Extra Help (Medicare Program), 14, 20

Domestic Abuse, 82–83, 111

Federal Agencies (.gov, Federal Services), 8, 12–16, 20, 33, 35, 36, 38–39, 44, 53–54, 56, 58–59, 68, 70– 73, 75, 79–80, 82, 86–89, 97, 112– 113, 144, 146–147, 149, 154–155, 162, 171, 173, 174–179, 183–184, 187, 191, 195–196, 201, 206

Driving (Driver License), 56–58, 75– 76

Final Arrangements (see Funerals), 197–198, 200–204, 206, 209

Disabled (Disability), 57–58, 68, 71– 76, 81–82, 147, 154, 179, 189, 191, 195 Dog Parks, 70, 126, 138, 152

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Financial Assistance, 21, 71, 167, 177, 187, 190, 196, 206

Financial Planning (Financial Planners, Financial Services), 42, 47–48, 182, 209

Healthcare, 12–14, 17, 21, 23, 32, 38–39, 63–64, 67, 72, 116, 136, 141, 154, 174–175, 179–181, 183–184, 196, 198, 203

Fire Department, 85–86, 111

Healthcare Professionals, 23–29

Fishermen’s Hospital, 9–10, 23, 26

Healthcare Referrals, 23

Fishing License, 142, 144

Healthcare Surrogate, 41, 63–64, 67, 203

Fitness (Exercise), 8–9, 32–33, 36, 99, 115, 126–129, 150–152, 194

Health Fairs, 35–37

Florida Highway Patrol, 86

Health Insurance, 13, 15–16, 78

Florida Keys Aqueduct Authority, 89, 195

Hearing Assistance, 23, 187

Florida Keys Area Health Education Center, (see AHEC)

Historical Societies, 104–105, 109– 110, 136

Florida Keys Electric Cooperative, 72, 89, 195

Home Healthcare, 13, 174–175, 179, 182

Florida Keys Mosquito Control, 89

Home Improvements, 72, 160–162, 177–178, 195

Food Assistance (Food Pantries), 114–115, 184–185

Homestead Hospital, 10

Fraud (Financial, fraudulent), 50–52, 118, 131

Hospice, 15, 26, 79, 116, 171, 175– 176, 178, 181, 193, 199

Free Drug Card, 21

Hospitals, 9–12, 23, 35, 39, 116, 136, 184

Friends of the Key Largo Cultural Center, 110, 120, 136 Funerals, 197–198, 200–204, 206, 209

G Games (Card, Bingo), 99, 101–102, 106 Gardens (Garden Clubs), 103, 135 Guidance Care Center, 27, 154

220

Hospital Rating Websites, 12 Hotlines (Helplines), 40, 53, 67, 71, 81–82, 84, 111, 164, 177 Houses of Worship, 114–115, 130, 174, 184–185, 190, 202, 207 Housing, 159–160, 162, 164–167, 173, 190, 193–194

Keys to Living

Housing Improvements (Housing Repairs), 72, 160–162, 177–178, 195 Hurricanes (Hurricane Evacuation), 18, 59, 73, 78, 87–88, 92, 161, 175, 192

J Jacobs Aquatic Center, 126–127, 129, 150 Jewish Center, 130 Jobs, 118–119

Hygiene, 8, 32–34

Jury Duty, 77, 79

I Identity Fraud, 50, 52–53, 81

Immunizations, 8, 18–19, 36, 39

Kayaking, 105, 142–143, 145–148, 150–151

Indian Affairs, 78–79 In-Home Care, 40, 153, 174, 177– 178, 196 Insurance, (Home, Vehicle), 54–60, 75, 161

Key Largo Chamber of Commerce, 120, 132, 207 Key Largo Civic Club, 37, 98–102, 126, 128 Key Largo Community Park, 126, 150

Insurance, (Long-term Care, Medical), 13–18, 21, 23, 30, 41, 78, 174, 178, 180, 183, 190, 199

Key Largo Library, 68, 101–103, 105, 116, 132–133, 135

Insurance, (Life), 48

Key Largo Lion’s Club, 99, 128, 138, 187

Internet (Internet Access, Internet Safety), 53, 78, 94, 102,118, 131–134

Key Largo Moose Lodge, 106

Islamorada Chamber of Commerce, 120, 207 Islamorada Founders Park, 37, 70, 100, 121, 126–127, 129, 138, 151 Islamorada Library, 116, 133, 145, 154 Islamorada Moose Lodge, 106

Key Largo Wastewater Treatment District, 89

Keys Sanitary Services, 89 Keys to Peace, 107, 111, 132 Kiwanis Club of the Upper Keys, 99

Islamorada, Village of Islands, 70, 85

Lawyers, 41, 62–67, 164, 182, 203, 207, 209

Island of Key Largo Federation of Homeowners Association, 98

Libraries, 68, 101–103, 105, 116, 132–133, 135, 145, 154

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Life–Long Learning, (see Education)

Moving (Relocating), 159, 163

Lodges and Posts, 105–106

My Blue Sky, 175, 191

Long-Term Care, 15, 40, 47, 62–63, 78–79, 164, 172, 180, 182, 196, 203

M Mariners Hospital, 9–10, 23, 35, 116, 128, 136, 184 Masonic Lodge, 106

National Parks (Refuges, Sanctuary), 112–113, 144, 146–147 Newspapers, (see Media) Nutrition, 73, 136, 184, 185

Masters Swimming, 129 Media (Newspaper, Radio, TV), 92–94 Medicaid and Medicare, 13–17, 20, 37, 63, 67, 78–79, 174, 178, 182–183, 191, 199

Organ Donation (Body), 201, 204

P Parks, 70, 103, 107, 109, 113–114, 121, 126–127, 135, 138, 145–152

Medical Fraud, 16

Personal Assistants, 194

Medical Insurance (includes Medicaid/ Medicare), 13–18, 21, 23, 30, 41, 78, 174, 178, 180, 183, 190, 199

Pets (Pet-friendly), 19, 70, 88, 108– 109, 126, 138–141, 150–152, 193

Medical Supplies, 71, 72, 175, 191 Medicare, 13–17, 21, 37, 67, 78–79, 85, 170, 174, 178–179, 182, 199 Mental Health Care, 15, 26–27, 34, 39 Monroe County (Agencies, Services), 70–73, 85–86, 88–89, 97, 101, 111, 132–133, 149, 154–155, 171, 177, 179, 185, 191, 195 Monroe County Health Dept., 36, 70 Monroe County Property Appraiser, 74

Pharmacy (pharmacist), 17–21, 52 Physical Therapy, 9, 13, 22, 28, 178, 192–193 Physicians, 9, 17, 21, 23–29, 31, 199 Politics (Political Forums, Political Organizations), 92, 96–98 Prescription (prescriptions), 11, 12 13, 15, 16–20, 63, 72, 158 Prescription Assistance, 20–21, 181, 190 Preventive Healthcare, 32, 35–36

Monroe County Sheriff’s Office, (see Sheriff’s Office)

Monroe County Tax Collector, 74

Recreation, 142–150

222

Radio, (see Media)

Keys to Living

Relocating (see Moving)

Reverse Mortgage, 47, 182, 194

University of Miami, 31, 34–35, 204

Rotary Club of Key Largo, 99

Upper Keys Business and Professional Women, 100

Rural Health Network, 15, 37

Upper Keys Rotary Club, 100

S Senior Center (Plantation), 26, 72, 101, 176, 185 Senior Groups (AARP, Senior Moments, Senior Center), 101 Sheriff, 53, 70, 82, 86–88, 96, 112, 162 SHINE (Serving Health Insurance Needs of Elders), 15, 78

Upper Keys Sons & Daughters of Italy, 100 Utilities, 89 Utility Assistance, 71, 177, 190

V Veterinarians, 139–141

Shriner’s Club, 106

Veterans, 38–40, 63, 70, 75, 84, 105– 108, 155, 174, 178, 183, 192, 195– 196, 202–203, 205–206, 209

Social Groups, 101–106

VFW Post, 106

Social Services, (see Monroe County)

Vision Care, 35, 57, 75, 187–189

Solicitations (Preventing), 49, 54–55

Visiting Nurse Association (VNA), 28, 116, 175, 178, 181, 193, 199

Special Needs Registry, 73, 87–88 State Parks, 109, 114, 135, 147–149 Substance Abuse, 27

Volunteer (Volunteering), 52, 68, 78, 84–86, 99, 103, 108–117, 119, 130, 132, 138, 144, 178, 190, 199

Voting, (see Elections)

Tavernier Community Association, 98

Taxes, 41, 47, 68–69, 74–75, 79–80, 176, 182, 189, 203, 208–209

What You Need to Know, 11–12, 17, 30, 41, 49, 80, 95, 115, 123, 137, 141, 145, 158, 167, 179, 188, 197, 203, 205, 209

Taxis, 153–154

WiFi, 46, 95, 132–133, 165

Television, 93–95 Transportation, 38, 58, 71–73, 78, 99, 101, 108, 153–154, 170–171, 177, 179, 185, 194

Wills and Trusts, 41, 48, 62–63, 68, 203, 207–209 Writing Groups, 102

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