Successful Aging Resource Guide 2016

Successful Aging Central Kentucky’s

RESOURCE GUIDE 2016

 Wesley Village Resident’s Connection to Anne Frank  Gardenside Neighbors Make The Lafayette Home Plus: Long-Term Care, Bonds and Interest Rates, Modern Funerals, Trusts vs. Wills

Serving Central Kentucky Families For 18 Years

lexingtonfamily.com

Successful Aging Central Kentucky’s

RESOURCE GUIDE 2016

You can’t help getting older, but you don’t have to get old.

contents

–GEORGE BURNS

4 History Lesson

18 Levels of Care

8 Elder Care Guide

20 Celebration of Life

Wesley Village resident shares memories of WWII when her Dutch family hid Jews.

Experienced specialist Marie Smart of UK Sanders-Brown offers step-by-step advice.

Learn the differences between assisted living, personal care and skilled nursing care.

Funerals today put the emphasis on the celebratory not just the somber.

10 All in the Neighborhood

21 Why Use an Elder Law Attorney?

12 Don’t Depend on Medicaid

22 Do I Need a Trust?

14 Bonds: No Longer a Sure Bet

26 Resource List

Former Gardenside residents find a new home together at The Lafayette.

Elder law expert Robert McClelland suggests new ways to pay for long-term care.

Financial adviser Jason Veinot prepares you for the changes interest rate hikes will bring.

You probably will need help navigating the world of wills, trusts and powers of attorney.

Walter Cox provides 14 reasons why a trust may be a better choice than a will.

From Alzheimer’s resources to ways to stay active, a complete directory.

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Jerry Faber of Wesley Village with Victoria Barnes, who played the lead in Asbury University’s production of “Diary of Anne Frank.” Faber’s family hid Jews during the Nazi occupation of Holland during World War II. The 2016 Central Kentucky Successful Aging Resource Guide is published by Lexington Family Magazine, Central Kentucky’s source for parenting and family information.

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Publisher................................... Dana Tackett Editor........................................... John Lynch Marketing & Events..................... Lynne Willis Graphic Design.............................Teri Jarrard Office Manager.............................. Carla Hall Advertising................Gary Mazza, Kari Mullins, Natashia Derkach

138 E. Reynolds Rd. #201 • Lexington, KY 40517 p: (859) 223-1765 • f: (859) 224-4270 lexingtonfamily.com • info@lexingtonfamily.com Successful Aging RESOURCE GUIDE 2016

www.lexingtonfamily.com

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History Lesson

By John Lynch

Jerry Faber of Wesley Village Shares Her Holocaust Memories When Her Dutch Family Hid Jews hen an 85-year-old Wilmore woman approached the cast of the Asbury University student production of “Diary of Anne Frank,” little did the students know how much living history the woman carried with her.

fight or work in forced labor camps.

Jerry Snapper Faber, a resident at Wesley Village Senior Living Community, was born in 1929, the same year as Anne Frank, and, like Anne, lived in Holland with her family during the Nazi occupation in World War II.

In October, 2007, Jerry and her four living siblings and their extended families

Even more, Snapper’s family hid Jews in their home, housing Rosette de Hartog until the war ended. Rosette’s husband and children hid at other homes with one of her sons moving 22 times during the war.

Jerry’s father, Hendrikus, was the head of the local labor board in Naaldwyk, Holland, and used his position to help hide other Jewish families.

He destroyed records of Jewish workers to protect them from the Germans, and falsified the records of young Dutch men so the Nazis would not coerce them to

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For these efforts during the Holocaust, Israel honored the Snapper family, awarding Hendrikus and his wife, Martha, posthumously, with the prestigious honor of Righteous Among the Nations.

Rosette and Levi de Hartog, whose five children all survived the war.

During the museum visit, the ceremony honoring their parents and a special dinner, members of the Snapper family were treated as esteemed guests.

Undoubtedly, the experience was one of the most moving of Jerry’s life.

“Israelis feel indebted to the Dutch people and that really came through,” Jerry said in her patio home at Wesley Village.

“I was so happy and proud for my dad.

The experience was overwhelming and I felt humbled.”

Above, Jerry Faber meets with the Asbury cast of “Diary of Anne Frank.”

Top, Jerry with Asbury student Victoria Barnes, who played Anne.

Photos by Scott Kulaga of the Asbury Collegian

flew to Israel where they were honored at the Yad Vashem Holocaust Museum in Jerusalem.

The Snappers and their relatives shared the occasion with the descendants of

ears later, in a university theater, Asbury students – born nearly a half-century after the end of World War II – shared similar feelings upon meeting Jerry. She spoke with them before a “Diary of Anne Frank” performance in September.

Jerry attended the play with her

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“I knew it was dangerous for my parents to be hiding Jews. There were Germans all over town.” daughter, Martha, and spoke afterward to the director, Professor Jeff Day. When he heard Jerry’s story and her connection to Anne Frank, he asked Jerry to speak to the cast, which she did the next night.

“The students wanted to hear the story that she has held in her heart and mind for all these years,” Martha said.

“My mother felt honored that these college kids were interested. She is pretty demonstrative and you could tell that she was really joyful and excited.”

Jerry has read Anne Frank’s book several times (“She makes me laugh. She is so impulsive,” she said about Anne.)

Jerry also couldn’t say enough about the students and their performance.

“Oh, man, it was really fun. The whole cast, I couldn’t get over how polished they were. They did such a good job of showing how it really was.” nd Jerry knew full well how it really was – terrifying to live in fear for so many years.

“I knew it was dangerous for my parents to be hiding Jews. There were Germans all over town,” she said.

Not only all over town but in her house, too. When German officers knocked on the Snapper door, it was young Jerry, the oldest child but barely a teenager, who let them in.

Five Germans moved into the Snapper house, taking her parents’ bedroom for the month or so they stayed there.

The Snappers passed off Rosette as the family housekeeper and fooled the Germans right under their nose.

But the tension seemed unbearable, Jerry said, not knowing how long the family had to keep up the charade.

Fortified by broadcasts by the BBC and the progress of the Allies in France

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and Germany, she and countless others waited and waited for the defeat of the Germans. Does she remember the day the war ended?

“You mean, May 10, 1945? Yeah, it was unbelievable, we were so happy,” she said.

“We walked arm in arm in the street.

“That tension was there constantly, building to the time we could be free of the Germans.” espite growing up during the profound devastation wrought

by World War II, Jerry managed to salvage some remnants of a normal childhood.

She attended school, and after the war, studied languages at a junior college.

Along with Dutch and English, she speaks German and French.

Jerry and her family immigrated to the United States in 1949. Two years later, after completing his musical studies in Amsterdam, her fiancé, Gerard Faber also immigrated.

Wilmore in 2005 when they moved into Wesley Village.

Surrounded by her books in her comfortable one-bedroom apartment, Jerry enjoys her life at Wesley Village.

She has made close friends and attends the Methodist church across the street.

At Wesley village, she participates in writing and spiritual classes, attends concerts and other events in the community center and swims in the Village’s warm, indoor, salt-water pool.

Wesley Village provides her transportation. (When she arrived at the airport from a recent visit with her daughter in Pittsburgh, a driver from Wesley Village picked her up at 10 p.m.)

“I enjoy living here very much,” Jerry said. “I’m thankful to have my own place to come home to.”

Perhaps more than others, Jerry appreciates the simple pleasure of a safe, secure home. Y

Gerard, who passed away in 2008, was a noted organist and music professor, and taught at Asbury University for 18 years.

The Fabers were married in 1951 and raised three children: Theo, who lives in California, Martha (North Carolina) and Helen (Pittsburgh). Jerry has eight grandchildren and five great grandchildren.

Gerard and Jerry moved to Florida in 1990 after Gerard retired but returned to

Jerry and Gerard Faber in the 1960s with their three children, Martha, Theo and Helen.

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7

Elder Care Guide: Marie Smart Sanders-Brown Specialist Offers Step-by-Step Advice

By John Lynch

I

n her office, on the phone and in living rooms and kitchens across the Bluegrass over the past three decades, Marie Smart has seen just about everything when it comes to elder care issues.

Name the family dynamic and she has provided council and guidance as a Family Care Specialist at UK’s Sanders-Brown Center on Aging.

through a typical counseling session with a family in need. Although she sometimes meets with aging parents, the majority of her contact is with the adult children of an aging parent or parents.

The First Meeting

That includes two sisters in their 80s with a 103-year-old mother at home.

At the outset, Smart gathers as many family members together as possible for the meeting, modeling the idea that all involved need to be on the same page.

“That was uplifting for me because here was a family that was figuring things out,” Smart said. “They needed help with resources, but, by golly, they were going to work it out.”

Then, she listens to the family story, and almost always confirms their assessment – that mom and dad no longer can live independently because of cognitive and/or medical issues.

Assisting families facing issues associated with aging has been Smart’s stock-in-trade since 1982 when she first specialized in elder issues. A social worker since 1972, Smart now counsels an average of 300-400 unduplicated families every year.

Knowing that every family is different, Smart assesses the siblings’ strengths and skills. Who is closest emotionally to the parents? Who has the time to take the lead on establishing a plan? Who lives close by?

That’s why families seek her out.

“It was so reassuring to speak to someone whose sole purpose was to find resources for families in difficult situations,” said Laurie Evans of Lexington.

Ten years ago, Smart helped Evans secure resources for her aging father in Connecticut who needed round-the-clock care.

“Marie was really understanding and compassionate,” Evans said. “And she was enthusiastic about being able to give information to people who really needed it.”

Smart’s upbringing proved to be ideal training for her career. She was raised in a multi-generational family in Virginia.

Her great grandmother moved into the house when Marie was 5, and she had “the privilege of knowing all four of my grandparents.”

As a young adult, she provided care for her parents as they aged. Being a caregiver is “in my bones,” she said.

Smart agreed to take us step-by-step

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In some situations, a caregiver among the adult children is already in place. Other times, no one is prepared to shoulder the load.

What about finances? Do mom and dad have savings? If not, public assistance is extremely limited, unless one of them is a military veteran. Then some resources might be available.

Paying for care for mom and dad is a reality the adult children must face.

At this point, Smart provides the family with housing options, explaining the levels of care from in-home health care and independent apartment living to assisted living.

None of which comes without significant cost. Often, an adult child may offer to house the parents at her home.

This can only work if the adult child is available for full-time caregiving, which is a hardship. Overloaded caregivers often neglect their own care and become emotionally drained.

Relieved of the burden of caregiving, family members can do what they do best – love Mom and Dad. Successful Aging RESOURCE GUIDE 2016

“I will ask them if they have done this before because caregiving is not a simple thing to do,” Smart said.

“Families want to help but their hearts can outstrip their heads.”

Smart then will offer appropriate housing options of which there are many in Central Kentucky.

She winnows the list to two or three and ends this first session with a homework assignment: Check out these options, confer together and choose a course of action.

Marie Smart

Round Two At a second meeting, the adult children arrive with a plan, but who will present it to mom and dad? Smart advises that they look outside the family, starting with the parents’ family doctor.

“If the doctor is the one telling the parents that it is no longer safe to live at home, this takes the burden off the children,” Smart said.

“The elders may not like the news, but it helps them move forward, and the kids don’t have to be the bad guys.”

This often works. If not, Smart offers other options – a family lawyer, a long-time minister, maybe one of the parent’s siblings.

If these fail, Smart suggests an experienced professional – herself. She will schedule a home visit, confirm that a change is necessary and often succeeds in persuading the parents to make that change.

“The kids are often skeptical at first but this often works very well,” she said.

Of course, if parents have dug in their heels and their living situation presents a danger to themselves, legal options such as guardianship, adult protective services, etc., are available. This occurs in only the most extreme cases, Smart said.

Finally, after the parents agree to move, however reluctantly, Smart strategizes with the adult children to ensure that the plan works.

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“The first time the kids visit in the new setting, the parent always asks, ‘When can I go home?’” Smart said. “We plan for that ahead of time.”

Again, it’s good to let the doctor be the bad guy.

When faced with that inevitable question about going home, the kids can say, “We have to wait to see what the doctor says.”

The goal of this whole exercise – which can span months – is to make the parents safe and allow the adult children to resume their more comfortable role of loving family members.

Relieved of the burden of caregiving and free from worry, family members can do what they do best – love mom and dad.

Info: Contact Marie Smart at UK’s Sanders-Brown Center on Aging at 323-6729. Y www.lexingtonfamily.com

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Gardenside Club at The Lafayette

By John Lynch

Former Neighbors Now Live Even Closer at Retirement Community

A

pair of 80-something great grandmothers sit in the wellappointed first-floor lobby of The Lafayette Senior Living Community and start listing the names of fellow residents who came from the same Gardenside neighborhood in Lexington.

There are the two of them, of course. Phyllis Cheuvront and Marie Hochstrasser, who raised their families in Gardenside.

Their daughters attended school together and are still friends.

Just then Ginny Hoge arrives and joins the women at the table. She, too, raised her family in Gardenside and now calls The Lafayette home.

Her daughter and Marie’s daughter were college roommates, and Ginny hosted many a slumber party for her daughter that included the daughters of Marie and Phyllis.

The women mention Dr. Bill Cotter and his wife, Alice, who have since passed away. They made the Gardenside-toLafayette move as well.

And don’t forget the Powells. Ken is 96 and Betty is 95.

“He plays golf once a week, and she swims three times a week. They are in great shape,” Phyllis and Marie said, finishing each other’s sentences.

The Powells also are from Gardenside.

So are Doris and Carolyn Sill. And don’t

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Alyson Codell and Ellie Hatch Fischer (top, l to r) regularly visit their mothers, Phyllis Cheuvront, left, and Marie Hochstrasser, at The Lafayette Senior Living Community. forget Clare Droba, another Gardenside contemporary.

In fact, she drops by for a minute but is busy this morning. So much to do at The Lafayette.

No matter what you do there, it seems, you can’t walk three feet without bumping into someone from Gardenside.

You need a program to keep track of all the Gardensiders. It’s like homecoming every day.

All the women agree that Gardenside was a wonderful place to raise children.

The neighborhood is nestled inside New Circle Road between Harrodsburg and Versailles roads.

In the 1950s and 1960s, the close-knit community with fresh-cut lawns and good schools within walking distance could have passed for the set of “Leave it to Beaver.”

The former Gardensiders have brought that neighborly spirit to The Lafayette, and it’s a multigenerational thing.

Not only do the mothers live there, but their daughters come to visit all the time.

Ginny Hoge’s daughter, Mary Hoge Spreitzer, is a regular fixture at The Lafayette.

The daughter of the late Cotters, Ellen Wilson, still comes to The Lafayette, to visit the Powells.

Ellie Hatch Fischer, Marie Hochstrasser’s daughter, lives in New Jersey but travels to town once a month for a week-long visit, much of it spent at The Lafayette.

That’s where she meets up with Alyson Codell, Phyllis Cheuvront’s daughter. The two have been friends since childhood.

In fact, it was Ellie who recruited Aylson’s mom to move to The Lafayette.

M

arie took no coaxing. With her husband, Don, still living at home, Marie moved in five years ago because she no longer wanted to cook meals or drive. That’s all arranged now by The Lafayette.

“It’s thrilling to live here,” Marie said, especially now that she is surrounded by friends. “It makes for a warm community, like a neighborhood.”

And there is much to do in the “neighborhood.” Marie and Phyllis, who moved in a year ago, both cited the luncheons, birthday parties, fitness classes, trips to Keeneland and elsewhere, Successful Aging RESOURCE GUIDE 2016

and bridge games (women come from around town for the afternoon games) among the pleasures at The Lafayette.

And don’t forget the happy hours.

Phyllis and Marie never do.

Monday and Thursday afternoons are social hours, and the women are often joined by their daughters.

Phyllis and Marie enjoyed that so much, they started meeting informally on the patio at 3 on Friday afternoons. (That’s early, “but it’s five o’clock somewhere,” Phyllis said with a laugh.)

The Lafayette now provides snacks for the new “happy hour.”

“I don’t feel alone taking care of my mom. I knew they cared about her.”

We hold ourselves to a high standard – yours.

T

hese are well-deserved rewards for women who lived busy, productive lives.

Marie graduated from UCLA in 1951 and taught art at UK and Transylvania.

Along with serving as a Girl Scout troop leader in the neighborhood, she ran a fiber art shop at Dudley Square, was active in the Lexington Council of the Arts and the Lexington Art League, and sat on a number of boards for local non-profits.

She still sits on the board of the UK National W.T. Young Library Associates and arranges for various artists to exhibit their work inside The Lafayette.

Donald Hochstrasser was a university professor at UK. Phyllis and Rusty Cheuvront were active in public life. Rusty was the Deputy Commissioner of State Parks and the Director of the Kentucky Horse Park.

After Phyllis sought work after raising their three children, she called her friend Martha Layne Collins, Kentucky’s first woman governor, who was lieutenant governor at the time.

“I called her up and said I was bored and needed a job,” Phyllis recalled.

“So she had me running the Lieutenant Governor’s mansion in Frankfort.”

Later, Phyllis sat on the Kentucky Racing Commission.

If Phyllis and Marie have slowed down now, it’s barely noticeable. Both are regular fixtures on the first floor of The Lafayette, which could pass for the lobby of a first-class hotel.

That their mothers are engaged and happy with their lives gratifies their daughters.

“The staff is so nurturing and empathetic, I thought they were part of the family,” Ellie Hatch Fischer said.

“I don’t feel alone taking care of my mom. I knew they cared about her.”

Alyson Codell echoes those sentiments, saying, “My mother loves people and is an active person. Living in this situation keeps her involved and connected.

“And it’s a comfort knowing that she is among friends.”

Especially when so many are from Gardenside. Y www.lexingtonfamily.com

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Don’t Depend on Medicaid To Save You New Insurance Products Can Help Pay for Long-Term Care

By Robert L. McClelland

A

s an Elder Care Attorney, much of my practice deals with the expense of long-term care and how to pay for it. Anyone can access Medicaid long-term care payments with proper planning.

In Kentucky, the state has elected to accept Medicaid support from the Federal Government to help our uninsured Kentuckians have Medicaid cover their health care expenses.

Trust planning or annuity planning can make that happen.

Why? Because it is important to never run out of money in a nursing home.

For years, our firm has preserved money for our nursing home clients by accessing Medicaid.

But there has long been a “hole” in the planning continuum for “Boomers” and it has begun to grow.

Historically, as one aged and became frail or suffered memory loss, nursing home care was the most likely option.

That model has been changing for the past decade but has now hit full stride.

The economic impact of the “Affordable Care Act” has caused a change in the longterm care model.

This is an extension of benefits that was probably necessary.

As our Governor said, “We couldn’t turn it down” with the number of folks in Kentucky who had no coverage.

But a recent news article disclosed that a primary, private Medicaid insurance administrating agency is $77 million in the “red” just over a year into the program.

The numbers simply do not add up.

This is a warning to the current elder generation that is worried about nursing home expense but also my own “Boomer” generation that has not designed their estate to plan for long-term care.

Today, anyone can save money and get Medicaid to pay their nursing home bill.

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We are no longer moving into nursing homes simply because we are frail or suffer memory loss. The care role for these conditions is now being served in “personal care” or “assisted living” facilities.

“Memory care” is being provided in specialized Memory Care units where better individualized care can be offered for less expense, but not that much less.

Memory care and frailty do not require “skilled” care in its historical context.

As in the “Best Friends” model, constant activity is therapeutic and much more beneficial to

those with dementia.

Many “frail” adults can be content throughout the day with assistance on call from multiple caregivers who, without skilled nursing training, can assist with transfer or toileting.

However, Kentucky Medicaid does not pay for “Assisted Living,“ or “Personal Care” levels of long-term care.

And as we know, the expansion of Medicaid will further drain the near empty Medicaid coffer.

My Boomer generation must prepare to cover the cost of our care with savings, VA support or insurance. We should look seriously at the following options within the changing insurance industry: t Newer long-term care insurance, which partners with Kentucky Medicaid to double the benefit. t Life insurance with long-term care riders that allow access to the death benefit to pay for care. t New annuity products that multiply the original investment up to as much as three times the initial investment if used for long-term care.

These products cover care at home, in assisted living or skilled nursing facilities, and we are going to need them. Y

ElderlawLexington McClelland & Associates, PLLC 1795 Alysheba Way, Unit 2102, Lexington (859) 543-0061 (800) 773-4040 www.LexingtonElderLaw.com Robert McClelland is the original chairman of the Ky. Bar Association’s Elder Law Section.

He holds a post-doctoral master’s degree in Elder Law (LLM) and is a member of the National Academy of Elder Law Attorneys.

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13

BONDS: No Longer a Safe Bet As Interest Rates Rise, It’s Time to Reverse Strategy

By Jason Veinot

1981 was quite a year.

We watched the Columbia Space Shuttle take its maiden voyage, Muhammad Ali announce his retirement, Lady Diana walk down the aisle, “Raiders of the Lost Ark” debut across the nation, and Ronald Reagan step into the Presidency.

1981 was also known as the year when interest rates peaked at 21%.

They have declined ever since, sparking the biggest bond bull market ever.

That’s because bonds and interest rates have an inverse relationship – rates go down, bond prices go up.

But now that rates have bottomed out and all indications point toward an increase, it’s a whole new ballgame.

To get a picture of what the future of bonds may look like, turn the bond chart from the last 30 years upside down.

Unfortuately, investors may lose (sometimes a lot) by sticking with bonds.

For example, let’s say you own a bond for $100,000 that matures in five years and guarantees 4% interest every year until maturity.

Two years later, you need to cash in your bond but interest rates have increased 2%.

Your bond is now worth less because you cashed in before maturity and because of the interest rate hike.

To estimate the risk of a bond, multiply the bond’s

duration by the interest rate change times negative one. For example, our five-year bond would lose 10% in value based on a 2% rate increase (5 years x 2% x -1).

Your $100,000 would now be $90,000.

The longer your bond maturity, the more it could lose. Example: A 20-year bond could drop 20% in price with every 1% increase of interest rates.

(The Securities and Exchange Commission produced a bulletin on this subject (http:// www.sec.gov/investor/alerts/ ib_interestraterisk.pdf) in which it stated, “All bonds are subject to Interest Rate Risk – Even if Bonds are Insured or Government Guaranteed.” )

The Riskiest Bond Type of All

What Others are Saying Many financial planners are now advising clients to move from bonds into dividend stocks to replicate the need for yield without interest rate risk.

They are recommending “staple

Our economy has changed.

Investing has changed.

Strategies have changed.

It might be time for you to make a change as well.

For decades financial planners have advised clients to “reduce stocks and increase bonds to reduce risk.”

They also advise using mutual funds to fill up the pieces of your asset allocation pie.

Here is the problem.

Mutual fund managers are forced to continually buy and sell as money flows in and out from retail investors.

This means bond mutual funds will be forced to sell bonds at lower prices and buy new ones as interest rates rise and bond prices fall.

This has left many in the billion dollar mutual fund industry scratching their heads as to the direction to go with their bond funds.

This includes those

14

“income” funds that tend to be bond funds wearing a different hat.

companies who produce goods and services people will always need.”

Not only does this go directly against their asset allocation discussion, but these “staple” stocks have shown the potential to drop 20%-30% in value next time the market bear comes growling again.

(Feel free to check out the 2008 return of your favorite dividend stock at www.finance. yahoo.com)

What to Do So here we are at the opposite end of 1981.

The first “To Do” at this point is to be aware. Bonds will not repeat what they have done over the last 30 years. You have been warned.

Interest rates have fallen to near zero.

Any increases in rates from this level will cause bond prices to fall.

Successful Aging RESOURCE GUIDE 2016

Jason Veinot is a financial author, former radio show host and portfolio manager with Enhance Wealth, which offers financial services to individuals and businesses throughout Kentucky.

Should you have any questions or desire a review of your situation, please contact Jason directly at 231.6622 or info@enhancewealth.com.

It is a matter of when, not if.

options out there with little to no interest rate risk such as:

Here are some ideas to consider:

A) Hi-Yield Corporate Bonds

1) Ask yourself: Why are you holding bonds in the first place? Trying to create income or using them as a hedge against stock market risk?

C) International Bonds

Income: Get out of bonds that are affected by interest rate hikes.

Hedge vs. stock market: Low risk dividend funds could help offset stock losses at times.

2) Review your current holdings to determine which investments have the most sensitivity to interest rates and bond exposure.

(Visit www.morningstar. com Be sure to include “income” funds in your review.)

3) If you’re holding individual bonds with an interest rate you like, plan on holding them to maturity.

4) Shorten your overall bond duration to reduce risk.

5) If you are considering replacing bonds with dividend stocks, check out their 2008 returns to get a sense of potential risk at www.finance. yahoo.com 6) Replace your higher risk stocks with dividend stocks rather than using your bond proceeds.

7) Consider alternatives with less relative U.S. interest rate risk. There are other www.lexingtonfamily.com

How Will You Protect Against the Next Market Crash?

B) Floating Interest Bonds D) Preferred Shares E) Selling Options (known as Covered Call or Put-Write).

This is for the more advanced investor

One last note: Some people have considered real estate and real estate funds as an alternative to bonds.

Unfortunately, history has shown that real estate has a see-saw effect with interest rates as well and therefore may not be a good alternative.

Our economy has changed.

Investing has changed.

Strategies have changed.

It might be time for you to make a change as well. Y (The views expressed in this material are solely those of the author and do not necessarily reflect those of Advisory Services Network, LLC. All information contained herein is derived from sources deemed to be reliable but cannot be guaranteed. All economic and performance data is historical and not indicative of future results. This material is for informational purposes only. This is neither a solicitation nor a recommendation to purchase or sell any investment and should not be relied upon as such. Investing involves risk, including the possible loss of principal. The bond market is volatile and can be significantly affected by adverse tax, legislative or political changes and the financial condition of the issuers. International bonds involve special risks, including currency fluctuations and economic and political uncertainty.)

What if the Traditional Approaches are No Longer Viable?

Contact Us Today to Learn:

An Alternative to Asset Allocation Why We Think Buy and Hold is No Longer Acceptable The Major Crisis Facing Bonds and What to Do About It The Investment Approach Used by Institutions and Pension Plans What if You Haven’t Yet Heard the Information You Need?

231-6622

info@enhancewealth.com Advisory services offered through Enhance Wealth, a member of Advisory Services Network, LLC, 1040 Crown Pointe Parkway, Suite 840, Atlanta, GA 30338.

770-352-0449. Insurance products and services offered through Enhanced Capital, LLC. Advisory Services Network, LLC and Enhanced Capital, LLC are not affiliated.

15

The b r iWillows dgepointe Assisted Senior Care • Memory Care • The Best Friends™ Adult Day Center • Exceptional Care & Vibrant Lifestyle

859-885-3000

5220 Grey Oak Lane, Nicholasville (In Brannon Crossing)

www.BridgepointeAssistedCare.com

CThe h rWillows istian Towers Lexington’s Best Kept Secret!

Independent Senior Living for Ages 62 + One Bedroom Apartments Rent Based on 30% of Adjusted Income Nationally Recognized as a “Community of Quality”

859-253-3625 • 1511 Versailles Road • Lexington, KY 40504

Housing

The c o uWillows ncil oaks Council Oaks Now Offers In-Home, Non-Medical Care 111 Coconut Grove, Nicholasville

859-305-1175 council-oaks.com

hThe o mWillows etown manor All-inclusive Affordable Rate

15 Private Rooms • Daily Activities Cozy Common Area • Home-cooked Meals

859.351.6190 | HometownManor.com 2141 Executive Dr. (Hamburg), Lexington

LEXINGTON • GEORGETOWN • LAWRENCEBURG • SHELBYVILLE • BARDSTOWN • RUSSELLVILLE • GLASGOW

The t h eWillows l afaye t te & lexington country pl ace Independent Living • Personal Care Skilled Care • Respite Care

859-278-9080

690 Mason Headley Road Lexington, Kentucky 40504

mayfair vill age

Independent Living • Licensed Personal Care Mayfair Village is a warm & friendly boutique style community, offering superior services & amenities & nestled in the vibrant Lansdowne community.

859-266-2129

3310 Tates Creek Rd. Lexington www.mayfairseniors.com

16

Successful Aging RESOURCE GUIDE 2016

tanbark A community where exceptional care and luxurious surroundings combine to create the finest senior living residence in the region.

TANBARK

HEALTH & REHABILITATION

Offering personal care and short term rehabilitation

Wesley Village Independent Living Patio Homes & Apartments Personal Care ▪ Memory Care & Nursing Home Care

CELEBRATING 20 YEARS OF SERVICE! 859-858-3865 • 1125 Lexington Rd Wilmore, KY 40390 • wvillage.org

The t h eWillows willows

Housing

1121 TANBARK ROAD • LEXINGTON, KY 40515 • 859-273-7377

At The Willows, we believe in living life with no boundaries or limitations! Here, you’ll enjoy life to the fullest with meals prepared based on your preferences, non-stop activities, a variety of five-star amenities and a dedicated staff that’s always ready with a friendly smile and a helping hand. Come see just how good life can be at The Willows – stop by or call to schedule a personal tour today.

The Willows at Citation: 859-277-0320 • willowsatcitation.com The Willows at Hamburg: 859-543-0337 • willowsathamburg.com

• Personal Care • Respite Care • Light Housekeeping • Errands/Transportation • Medication Reminders • Meal Preparation • Companionship

Call today for a FREE In-Home Assessment!

859-296-9525

senior helpers Ready to serve your family’s needs with personalized, in-home care and expertly trained, professional caregivers. The first step to quality care is simple.

Call for complimentary in-home care initial consultation

859-296-2525 • 502-226-3393 www.lexingtonfamily.com

seniorhelpers.com

Home Health

Alliance Medical & Home Care

17

Independent Living communities are for older adults who are able to function without supervision or personal assistance. Many communities offer services such as meals, transportation, social and recreational activities and housekeeping. Residents are usually required to sign a one-year lease. Factors to consider include terms of the lease agreement, costs for extra services, services offered on site (exercise room, library, etc.), transportation, housekeeping and social activities.

Generally smaller than Assisted Living communities, Personal Care facilities offer 24-hour supervision, meals, assistance with daily activities of living, and supervision of medication intake. Factors to consider are similar to Assisted Living.

inding the right care for your loved ones can be difficult, even at the best of times. Knowing the “lingo” of elder care housing can make choosing the right community much easier. (For more information, please see Housing Guide, facing page.)

Assisted Living is similar to Independent Living communities but with additional services, including assistance with activities of daily living (bathing, dressing, personal care and medication reminders).

Some long-term care insurance policies cover the cost of Assisted Living. Factors to consider include certification, staff-resident ratio, housekeeping, transportation, shopping and laundry services.

This level of care is most appropriate for individuals needing 24-hour supervision and health care. Individuals who are in need of rehabilitation after a hospital stay may be discharged to a nursing home for temporary care. Skilled Care may be covered by Medicare and Medicaid.

Questions: Are the residents well groomed?

How many beds are certified for Medicare? For Medicaid? What are the results of annual state inspections (or surveys)? Are residents encouraged to exercise their rights as outlined by the 1987 Nursing Home Reform Law?

People staying at home as long as possible may need assistance with activities of daily living such as housekeeping, laundry, shopping and even companionship. Many local businesses provide inhome services such as skilled nursing, help with medications and more. Y

18

Successful Aging RESOURCE GUIDE 2016

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Ashland Terrace (Women Only)

266-2581 475 S. Ashland Ave.

Bridgepointe at Ashgrove Woods

885-3000 5220 Grey Oak Ln, Nicholasville

Christian Towers

253-3625 1511 Versailles Rd.

Cardinal Hill Rehabilitation Hospital

254-5701 2050 Versailles Rd.

Council Oaks

887-9382 111 Coconut Grove, Nicholasville

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Hometown Manor

317-8439 2141 Executive Drive

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Hartland Hills

273-1212 1005 Tanbark Rd.

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278-9080 690 Mason Headley Rd.

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Lexington Country Place

259-3486 700 Mason Headley Rd.

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Liberty Ridge

543-9449 701 Liberty Ridge Lane

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Mayfair Village Retirement Community

266-2129 3310 Tates Creek Rd.

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Morning Pointe (Five Locations)

In Lexington 554-0060 233 Ruccio Way

Brookdale Richmond Place

269-6308 3051 Rio Dosa Dr.

Brookdale Richmond Place Rehab & Skilled Nursing

263-2410 2770 Palumbo Dr.

Tanbark

273-7377 1121 Tanbark Rd.

Sayre Christiand Village (Friendship Towers)

271-9001 580 Greenfield Dr.

The Willows (Two Locations)

In Hamburg 543-0337 2531 Old Rosebud Rd.

Wesley Village

858-3865 1125 Lexington Rd., Wilmore

www.lexingtonfamily.com

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Celebration of Life

By Kim Wade

visitation, Rob Milward said.

Other families have requested that their loved one’s motorcycle be on display in the funeral home because that was his joy in life.

I

f you have been to a funeral service lately, you may have noticed that it was probably a little more upbeat than the service you attended when you were a young adult or even a child – perhaps a bit more celebratory and less somber.

Funeral services in the 21st century have evolved to meet the growing needs and desires of families who want their loved one’s service to be a reflection of their life experiences.

The funeral industry has coined many terms to refer to these personalized and celebratory services.

The term that Central Kentuckians are hearing is either Celebration of Life or Life Celebration.

While Celebration of Life is being requested more today than in the past, these types of services have been offered

Lexington’s oldest retirement community and public cutting garden.

Join us for a complimentary lunch and stroll through our u-pick flower garden.

475 S. Ashland Ave. • Lexingon, KY 859-266-2581 • ashlandterrace.org

20

in the Central Kentucky community for many decades.

“A Life Celebration service focuses on the things that the deceased enjoyed and the experiences he or she had during a lifetime,” said Rob Milward, funeral director and vice president of Milward Funeral Directors that has been serving Central Kentucky families for 190 years.

Families who choose to hold a Life Celebration often bring photos, videos or personal memorabilia to put on display.

Instead of traditional funeral music and readings, families choose to play selections from their loved ones play list.

Milward staff encourages every family they serve to personalize their service in some way.

Some families want personalization to be as simple as displaying photos at the

A consultation with another family resulted in bringing in a New Orleans style jazz band to be part of the funeral because their loved one had been part of that band.

In addition to the personalized approaches that make a funeral a Life Celebration, many families are choosing to host wedding-style receptions immediately following the funeral in lieu of the traditional funeral dinner where family and friends bring food to a church or community center to be shared.

While a Life Celebration is not for everyone, it is an option that many families are choosing.

For families who still prefer the dignity of a traditional religious or secular service to the more popular celebratory event, funeral directors continue to help families daily choose the service that will best help a family during its time of loss. Y

Adult Day Healthcare with a Country Club Atmosphere!

Our caring and medically-licensed staff will see to it that your loved one not only enjoys the club atmosphere, but is also in a safe and health promoting environment.

Bring in this ad for Just some of our offerings: Spa Treatments | Transportation Group Exercise Classes Interactive Club Meetings Wonderful Breakfasts & Lunches

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Call today to make your reservation: 859-523-7337 agingwithgraceinfo.org

Successful Aging RESOURCE GUIDE 2016

Here’s Why You Should Consult an...

ELDER LAW ATTORNEY

E

By Mary Ellis Patton

lder law attorneys help you plan for your future, which involves some traditional estate planning – wills, trusts, and powers-of-attorney.

But an elder law attorney uses these devices to fulfill a client’s goals for the future while considering the costs of long-term care.

The last will and testament is an important document, but frequently it could be used more effectively.

Many clients give everything to a spouse. However, as couples age and need more substantial medical care, a more thoughtful approach is needed.

Clients should consider if their spouse will need to inherit all of their wealth.

These gifts could be quickly drained by medical and care expenses.

Clients should consider bequests to their children, in lieu of those to a spouse, or clients should place a spouse’s bequest in a Supplemental Needs Trust (SNT).

SNTs are trusts set up by attorneys in order to maximize available government benefits while providing special extras to improve quality of life and medical care.

Trusts are a frequently used planning tool.

Several decades ago, Living Trusts were the estate planning tool of choice for many. However, as the lifetime gift tax exclusion has risen ($5.43 million in 2015), the need for these trusts has diminished.

Medicaid considers all assets in a Living or Revocable Trust as an available resource that must be spent down before a person can be eligible for long-term care benefits.

If the trust has a beneficiary that is disabled or will need government benefits in the future, a SNT can be included in the trust document to maximize their benefits.

An Irrevocable Trust, however, can make an excellent asset preservation tool.

Additionally, well-drafted POAs can

Attorneys at Bluegrass Elderlaw PLLC., are (l to r) Mary Ellis Patton Amy E. Dougherty and Carolyn L. Kenton.

These trusts generally cannot be changed by the grantor (the person setting up the trust).

Plus, these trusts remove the assets from the grantor’s ownership and, when set up five years in advance, the assets are exempt from Medicaid gift penalties.

Lastly, every individual should

have durable powers-of-attorney.

Unrestricted gifting powers must be specifically included in the document, if the agent is to be able to move assets to others, particularly in Medicaid planning situations.

help avoid guardianship proceedings.

Only an attorney can tell you which of these devices are right for you, your family and your circumstances.

Mary Ellis Patton is an Associate Attorney with Bluegrass Elderlaw PLLC., 120 N Mill St, Lexington. Info: (859) 2810048 or www.bgelderlaw.com. Y

• Personal Care • Specialized Care • Alzheimer’s/Dementia Care • Medication Reminders • Meal Preparation • Light Housekeeping • Companionship • Shopping & Errands • Transportation • Hourly to 24 Hour Care • Call for a free, no-obligation Care Consultation

859-273-0085 • homeinstead.com/lexingtonky

www.lexingtonfamily.com

21

If I Have a Will, Do I Need a Trust?

Judge for yourself. Here is a partial comparison between wills and trusts. must be probated.

1 AA will trust does not.

Probating a will takes from 6 months to two years or more.

2 No delay with a trust.

Costs of probate of a will may be very expensive. No cost to 3 settle a trust.

A will is of no help if you become incapacitated. A trust 4 eliminates the need for guardianship. a will is open for public review. A trust is absolutely 5 Probating private. of a will is under court control. Settling a trust is 6 Probate under family control.

7 Why not joint ownership? Why not just put half my property

are incapacitated. It avoids probate and appoints the person

you trust to handle your estate before you die and while you are incapacitated.

Is it difficult to transfer assets into a trust? No, your attorney will do that for you and it takes very little time and effort.

Can I change beneficiaries, trustees and other provisions during my lifetime?

Of course, you are able to change any provision during your lifetime.

Living trusts have been used for hundreds of years and anyone who owns real estate and other assets to leave to their children or heirs, should have a living revocable trust.

What if I become disabled?

The trust provides a method of appointing your designated trustee to become successor trustee on your behalf without court interference. The trustee then can take over your financial affairs with just one doctor’s statement.

The trust is effective after your death in that it can provide for children and or grandchildren, and nieces and nephews until they reach the age you designate for them to have your assets while providing for their education, welfare and health.

A revocable living trust is the best way to plan for a complete estate plan, which starts immediately upon its signing. Y

9 10 11

12

in my children’s name?

As co-owner you lose control. There may be tax consequences. Should the co-owner have a judgment rendered against them or should they file bankruptcy, you could lose your property.

is a living trust? A legal document that contains your 8 What instructions about what happens to your assets after you die or

By Attorney Walter C. Cox Jr.

13 14

WILL vs.

TRUST Why a Living Trust is the Best Option Have A Trust (No Probate)

Have A Will (Probate)

A Living Trust is the fail proof way to pass along your estate to your heirs without lawyers, courts or the probate system.

Probate is the system that removes the name of a deceased person from the assets.

• All claims, real or imagined, must be settled to the court’s satisfaction.

• Probate takes time...many months or even years • Probate costs money...4% to 8% of estate value is not uncommon • Probate is public record • A will is of no help if you become

incapacitated Please call 859-514-6033 or fill out this form for a FREE consultation in our office:

Name_______________________________ Address_____________________________ City, State, Zip________________________ Phone_____________ County___________ Age___________ Spouse’s Age__________ (aarp) endorses LIVING TRUSTS • (smart money magazine) endorses LIVING TRUST

22

•

•

•

•

•

Be in total control for as long as you live and are competent Eliminate court interference if you become incapacitated Administer your estate yourself before you die Your children can do final settlement without cost or delay Keep everything private and reduce excess taxes

There is NO CHARGE nor OBLIGATION to see what option is right for YOU! Please fill out form (left) and mail to address below:

The Law Offices of Attorney Walter C. Cox Jr. 2333 Alexandria Dr., Lexington, KY 40504 www.waltercoxlaw.com info@waltercoxlaw.com Atty. Walter C. Cox, Jr.

Rated AV by Martindale Hubbell for 30 years

Successful Aging RESOURCE GUIDE 2016

www.lexingtonfamily.com

23

January • • • • • • • • • • • • • • • • • • • • Jan. 22: Osher Lifelong Learning Institute at UK. Open House. Learn about the variety of classes, events, shared interest groups, forums, seminars and more for adults 50+.

10 a.m.-noon. Tates Creek Christian Church.

Reschedule date will be Jan. 25. Info: 257-2656 or www.uky.edu/OLLI

February • • • • • • • • • • • • • • • • • • • •

calendar

Osher Lifelong Learning Institute at UK: Morehead: Open House and Registration in Morehead. Info: (866) 602-5862 or 257-2656 or www.uky.edu/OLLI. Date and time TBA.

March • • • • • • • • • • • • • • • • • • • • March 10: 14th Annual Bluegrass Regional Grandparents Raising Grandchildren (GAP) Conference. Open to everyone, including grandparents, caregivers, relatives and professionals. Free one-on-one consults with attorneys. Keynote speaker Dr. Lisa Frederiksen, author, speaker, consultant and trainer, will present Breaking the Cycle.

Registration required. $5 for grandparents and relatives. Includes lunch. 8 a.m.-3:30 p.m. Clarion Hotel, 1950 Newtown Pike. Info: 257-5582 or www.gapofky.org or Facebook/ GrandparentsAsParentsConference.

April • • • • • • • • • • • • • • • • • • • • April 3: I Know Expo: A Caregivers Conference with speakers and vendors. Helpful information as you or your loved ones’ needs change. “What you need to know to plan for the future.” Bluegrass Ballroom in the Lexington Center. Noon-5 p.m. Info: iknowexpo.org.

227-9692.

April 30: Osher Lifelong Learning Institute: “OLLI and the Arts.” UK Chorus Spring Concert.

Refreshments will be served. 3-5 p.m. Free.

Tates Creek Christian Church. Info: 257-2656, www.uky.edu/OLLI.

$10-12 for seniors includes lunch. 9-3:30 p.m.

Northside Christian Church. Info: 257-5582.

Lexington Senior Center Grand Opening.

New 33,000 square-foot building for Fayette County residents 60 and older. Café, art studio, music room, craft rooms with kiln & pottery wheels, plus room for painting, sewing, digital photography and needle crafts. Dance studio and fitness room. Located on 22-acre park. 195 Life Lane in Idle Hour Park. Info: 278-6072.

Date and time TBA.

June • • • • • • • • • • • • • • • • • • • • Senior Intern Program: Learn about all aspects of our local government. LFUCG Office on Aging. 278-6072.

House and Registration in Morehead. Info: (866) 602-5862 or 257-2656, www.uky.edu/ OLLI. Date and time TBA.

October • • • • • • • • • • • • • • • • • • • • Open Enrollment: Seniors can sign up for Medicare and Medicare Part D (prescription) plans between Oct. 15-Dec. 7, 2016.

Eye Opening Symposium. Third annual, one-day conference for people living with no vision and low vision, featuring information and resources, plus doctors and other low vision specialists. Fayette County Extension Office, 1140 Red Mile Place. Info: 257-5582. Date and time TBA.

November August • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • Osher Lifelong Learning Institute at UK: Open House will be held and Registration (online and by mail) will open shortly after. Info: (866) 6025862 or 257-2656, www.uky.edu/OLLI. Date and time TBA.

Nov. 6: Lexington Family Magazine: 16th Annual Elder Care Tour. Area retirement communities host free open houses so older adults, their adult children and other caregivers can educate themselves about housing options in a relaxed, unpressured atmosphere. 1:30-5 p.m. Info: 223-1765 or www.lexingtonfamily. com.

September May • • • • • • • • • • • • • • • • • • • • December • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • May 20: Meeting the Challenges and Opportunities of Aging: Breakout sessions covering educational and recreational topics such as health, brain health and wealth.

24

The Next Best Years of Your Life: A one-day conference focusing on maximizing your senior years. Fayette County Extension Office, 1140 Red Mile Place. Info: 257-5582. Date and time TBA. Osher Lifelong Learning Institute at UK: Open

Osher Lifelong Learning Institute at UK: Lexington Holiday Chorus Concert. Date and Time TBA. Y

Successful Aging RESOURCE GUIDE 2016

ongoing events Bell House Senior Programs: Classes and activities, travel and other special events. 545 Sayre Ave. Info: 233-0986.

Eldercrafters Program: A satellite of the Lexington Senior Center, located at the Black and Williams Center at the corner of Booker and Georgetown streets. Open Monday-Thursday, 9:30 a.m.-2 p.m. This center offers occasional exercise classes, ceramics, card playing, socialization, special events and projects that benefit citizens in need. Free to Fayette County residents 60 years and older. Info: 252-1288.

Free Memory Screens: Offered by UK Sanders-Brown Center on Aging. Have your memory tested for free the third Tuesday of each month from 10 a.m.-1 p.m. UK Polk-Dalton Clinic, 217 Elm Tree Lane. Info: 323-6316.

Lexington Senior Center: Exercise classes, art classes, cards, billiards, table tennis, book club, history classes, and a variety of special events and activities. Free for Fayette County Residents 60 years and older. Open Monday-Friday, 8 a.m.-5 p.m. 1530 Nicholasville Road. Grand opening of new 33,000 square-foot building on 22 acres is scheduled for May, 2016. The address is 195

www.lexingtonfamily.com

Life Lane in Idle Hour Park.

Info: 278-6072.

Osher Lifelong Learning Institute at UK: Donovan Forum Lecture and Entertainment Series.

Every Thursday, February-May and & September-December, 2-3:15 p.m. Lexington Senior Center, 1530 Nicholasville Road. The first Thursday of the month at 2:30 p.m. light refreshments are served.

Free and open to the public. Info: 257-2656, www.uky.edu/OLLI UK Sanders-Brown Center on Aging: Memory CafÊ: An informal setting for caregivers and their loved ones with dementia to socialize and interact with other families while sharing and creating old and new experiences. Educational materials and expertise are offered by staff from the Center on Aging and the Alzheimer’s Disease Center. Meets the second Monday of each month from 3-5 p.m. at the Episcopal Diocese of Lexington, 203 E. Fourth Street. Free. Info: Alyssa McKarris 257-8971.

Charles Young Senior Program: A satellite of the Lexington Senior Center, located at 540 E. Third Street. Open Monday, Wednesday, Friday, 9:15 a.m.-1:15 p.m. Bodies in balance, Tai Chi, pickleball, computer tablet training and other activities. Info: 246-0281. Y

25

Resource List 2016 General Information AARP Kentucky www.aarp.org/states/ky Bluegrass Area Agency on Aging & Independent Living 699 Perimeter Drive 269-8021 / www.bgaaail.org Information about aging service programs throughout the Bluegrass, including senior citizens centers, inhome care programs, adult day care programs, and the Family Caregiver Support Program.

Cabinet for Health and Family Services (Medicaid services) 275 East Main St, 6w Frankfort / (502) 564-5560 www.chfs.ky.gov/dms/mws.htm Consists of various waiver and state programs that cover services for older individuals with developmental disabilities.

Central Kentucky Radio Eye 1733 Russell Cave Rd. / 422-6390 www.radioeye.org Radio Eye provides free reading ser-

26

vices and programming through SCA radio, cable TV, and Internet broadcasts.

Elder Care Locator (800) 677-1116 www.eldercare.gov Federally funded support services locator. Dial this number for the names and phone numbers for services anywhere in the U.S. LFUCG Office of Aging Services 200 East Main St., Room 328 258-3806 / kstambau@lexingtonky.gov www.lexingtonky.gov/index. aspx?page=315 Information about existing programs and services for seniors in Fayette County.

Robert’s Health Foods 1020 Industry Rd. Suite 10 253-0012 www.robertshealthfoods.com Supplies a full line of vitamins, minerals, herbs, homeopathic remedies, proteins, books, cosmetics as well as a variety of foods for healthy living.

Social Security Administration 2241 Buena Vista Rd #110

Lexington (866) 530-7754 www.socialsecurity.gov UK Sanders-Brown Center on Aging 800 S. Limestone, 101 SandersBrown Bldg. / 323-6040 www.mc.uky.edu/coa Provides research, education and service programs in aging with a strong focus on Alzheimer’s Disease research. Educational programs offered to professionals, students, older adults and their caregivers.

United Way of the Bluegrass 100 Midland Avenue, Suite 300 233-4460 www.uwbg.org General information about services in the area, including up-to-date listings of disease-related support groups.

Advocacy/Legal Access to Justice/Legal Helpline for Older Kentuckians 255-9913 www.ajfky.org/index.php/legal-helpline-

for-older-kentuckians Free legal information and referral service for older Kentuckians and their caregivers.

Attorney Walter C. Cox Jr. 2333 Alexandria Dr. / 514-6033 www.waltercoxlaw.com Practice concentrates on estate planning in Kentucky using revocable living trusts as the foundation and cornerstone of the plan.

Attorney Karen L. Perch 2333 Alexandria Drive / 224-0513 www.perchlaw.com Aid clients with their legal matters regarding wills, living wills, powers of attorney, trusts, including special needs trusts, qualifying Income trusts (Miller Trusts), and Family Trusts and Estate Administration.

Bluegrass ElderLaw, PLLC 120 N. Mill St., Ste 300 (859) 281-0048 www.bgelderlaw.com Providing personal legal advice for power of attorney, trusts, wills, estate settlement and pension planning.

Successful Aging RESOURCE GUIDE 2016

Resource List 2016 Kentucky Assisted Living Facilities Assn.

133 Evergreen Road, Suite 212 Louisville / (502) 938-5102 www.kentuckyassistedliving.org Information and listings of certified assisted living facilities throughout Kentucky.

ElderlawLexington McClelland & Associates, PLLC 1795 Alysheba Way, Suite 2102 543-0061 The firm provides Elder Care Planning, Medicaid Planning, Guardianship services, Special Needs Planning and Trustee Services.

Nursing Home Ombudsman Agency of the Bluegrass, Inc. 3138 Custer Drive, Suite 110 Lexington / 277-9215 www.ombuddy.org Nonprofit advocacy group for residents in long-term care facilities.

Provides free information about all levels of long-term care.

UK College of Law Legal Clinic 630 Maxwelton Court / 257-4692 www.law.uky.edu/academics/legalclinic Free legal services include estate planning, guardianship, domestic abuse and financial exploitation.

Alzheimer’s Disease Alzheimer’s Association Greater Ky. & So. Indiana Chapter Lexington Regional Office 465 E. High St. #100 266-5283 or (800) 272-3900 www.alz.org/kyin Education, support groups, Safe Return program, respite and other services for individuals and their caregivers across greater Kentucky and southern Indiana.

Alzheimer’s Disease Research Center / UK Sanders-Brown Center on Aging 800 S. LImestone St. / 323-6040 www.mc.uky.edu/coa/ Research opportunities, memory disorders clinic and education available to families, health-care providers and the community about Alzheimer’s disease. www.lexingtonfamily.com

Fayette County PVA 101 East Vine Street, Suite 600 246-2722 www.FayettePVA.com Information about the homestead exemption for seniors.

Jason Veinot’s Enhance Wealth jason@enhancewealth.com 231-6622 www.jasonanswers.com Provides financial and retirement planning, long-term care insurance and other services.

MacIntosh-Ditto Wealth Advisory Group/Hilliard Lyons 325 West Main St., Suite 200 514-6441 / (800) 944-2663 www.mcintoshditto.hilliardfc.com ElderlawLexington McClelland & Associates, PLLC 1795 Alysheba Way, Suite 2102 543-0061 The firm provides Elder Care Planning, Medicaid Planning, Guardianship services, Special Needs Planning and Trustee Services.

Livesay Group 185 Pasadena Drive, Suite 255 296-1913 www.livesaygroup.com Financial services include payment of monthly expenses, review of medical bills and oversight of investments.

Social Security Administration 2241 Buena Vista Rd., Suite 110 (866) 530-7754 / www.ssa.gov Information about retirement benefits and Supplemental Security Income (S.S.I.)

Medical Bluegrass Audiology and Hearing Aids 100 John Sutherland Drive Nicholasville / 885-0150 www.bluegrassaudiology.com Provides comprehensive hearing care and amplification services to the Nicholasville, Central Kentucky area.

Bluegrass.org 1351 Newtown Pike, Bldg. 1 253-1686 www.bluegrass.org Bluegrass.org has served the seven-

teen county Bluegrass Area for over 45 years, assisting individuals and families in the enhancement of their emotional, mental and physical well-being by providing behavioral health, intellectual/developmental disabilities and substance abuse services.

Bluegrass Technology Center 817 Winchester Rd Ste 200 294-4343 / (800) 209-7767 www.bluegrass-tech.org Non-profit, grass-roots organization that helps connect people with disabilities with technologies and services.

Cardinal Hill Rehabilitation Hospital 2050 Versailles Road / 254-5701 www.cardinalhill.org Providing physical rehabilitation services to people of all ages. Cardinal Hill offers inpatient, outpatient and home care services.

Baptist Health 1740 Nicholasville Road 260-6100 baptisthealthlexington.com Corner Pharmacy 1701 Alexandria Drive / 309-1230 Family Eyecare Associates Dr. Rick Graebe 105 Crossfield Dr., Versailles (859) 879-3665 www.myfamilyvision.com Family Practice Associates 1775 Alysheba Way, Suite 201 278-5007 www.fpalex.com Offers patient-centered medical care that emphasizes coordination and communication. Its goals are to improve quality, enhance preventive services and to provide comprehensive chronic disease management.

Hospice of the Bluegrass 2312 Alexandria Drive 276-5344 / (800) 876-6005 www.hospicebg.org Provides quality end-of-life care and support for terminally ill adults and children at home, in nursing facilities and at the Hospice Care Centers in Lexington.

104 Fairfield Dr. / Nicholasville (859) 887-2441 www.dittoandmusick.com Kentucky Audiology & Tinnitus Services 1517 Nicholasville Road, #202 554-5384 www.kytinnitustreatment.com/ Provides a full range of services to meet the needs of people who experience hearing loss, tinnitus or hyperacusis.

Lexington Clinic 1221 South Broadway / 258-4000 www.LexingtonClinic.com Medtronic (800) 633-8766 www.medtronic.com By working closely with physicians around the world, Medtronic creates therapies to help patients do things they never thought possible.

KentuckyOne Health St. Joseph Hospital 1 Saint Joseph Drive (859) 313-1000 www.sjhlex.org The Ridge 3050 Rio Dosa Dr. 269-2325 or (800) 753-4673 www.ridgebhs.com Offers in-patient and out-patient services to assist the older adult in times of psychiatric distress.

UK HealthCare 1000 S. Limestone 257-1000 www.ukhealthcare.uky.edu Offers a vast range of health-care services at UK Hospital, the Markey Cancer Center, Gill Heart Institute, Kentucky Neuroscience & Orthopaedics Institute and three Kentucky Clinic locations.

Geriatricians James R. McCormick Jr., MD UK Clinic / 740 South Limestone 323-9555 Critical Care Medicine, Geriatric Medicine, Pulmonology

Drs. Ditto and Musick Eye Care Center

27

Resource List 2016 Archana Mahesh Kudrimoti, MD UK Clinic / 740 South Limestone 323-6371 Geriatric Medicine, Family Practice Vinay Maudar, MD 1221 South Broadway / 258-4401 Metabolism & Endocrinology Diabetes, Geriatric Medicine Reem Kasim Falluji, MD 1101 Veterans Drive / 233-4511 Geriatric Medicine A. Patrick Schneider II, MD 1401 Harrodsburg Rd. # B375 278-2081 Geriatric Medicine Nancy Stiles, MD Cardinal Hill Outpatient Clinic 2050 Versailles Road / 254-5701 Geriatric Medicine

Medicaid/Medicare State Health Insurance Assistance Program (877) 293-7447 Assistance with questions regarding Medicaid and Medicare benefits, including Medicare Prescription Drug Program Part D.

In-Home Services Accessible Home Care of the Bluegrass 313-5167 www.accessiblebluegrass.com Providing home health aides for personal care, meal preparation, light housekeeping, companionship, medication reminders, and Alzheimer’s and Dementia Care and more.

Alliance Medical & Home Care 3716 Willow Ridge Rd. / 296-9525 www.alliancelexington.com/ Provides non-medical in-home care for seniors and Alzheimer’s patients.

Amedisys Home Health 2480 Fortune Dr., #120 / 271-0611 www.amedisys.com Beverly’s Angels 201 West 8th St. #206 Paris / (859) 987-0077 www.beverlysangels.com Family owned and operated business that provides in-home personal care services.

Cardinal Hill Home Care Services 2050 Versailles Road / 254-5701 www.cardinalhillhealthsouth.com/

Comfort Keepers 2350 Regency Rd, Suite A 224-1124 www.comfortkeepers.com Provides non-medical in-home care for seniors, new moms, plus emergency monitoring systems.

Family Choice Home Care 2150 Lexington Rd. Suite G Richmond / (859) 333-8147 www.familychoicecare.com Gentiva 2020 Liberty Rd. / 252-4206 www.gentiva.com Home Instead Senior Care 207 E. Reynolds Rd. # 150 273-0085 www.homeinstead.com Provides affordable non-medical companions and home care.

Infusion Partners 2380 Fortune Dr. 277-2013 / (800) 356-9259 www.infusionpartners.com Provides home infusion pharmacy services.

Nurses Registry 1420 North Broadway (800) 444-3599 / 255-4411 www.nursesregistry.com Offers skilled care services, including nursing, occupational, physical and speech therapy, medication management, patient education and more.

ResCare Homecare 383 E. Main St. / 543-2273 www.rescarehomecare.com In-home, non-medical care.

Senior Helpers 3070 Harrodsburg Rd. Suite #240 296-2525 www.seniorhelpers.com Provides clients with everything from companionship to bathing to Alzheimer’s and dementia care.

Support Services Caring Transitions 1411 Delaware Ave. / 543-9848 www.caringtransitionslex.com Specializing in senior moving, downsizing and estate sales.

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Extreme Mobility, Inc. 2551 Regency Road #105 277-0105 www.extrememobilityinc.com Healthy Aging Solutions 6020 Damar Court / 321-1283 www.healthyagingcare.com Nancy Derderian, MSN, RN provides consultation and referrals on all issues of aging.

Kentucky Home Health Assn.

2331 Fortune Drive, Suite 280 268-2574 www.khha.org Information about home care programs throughout the state.

Meals on Wheels 1530 Nicholasville Rd. / 276-5391 www.mowaa.org Home-delivered hot noon meal plus breakfast and supper snack provided Monday-Friday. Cost is based on a sliding scale.

New Moon Medical 1210 West Lexington Ave. Winchester / (888) 737-1880 www.newmoonmed.com ParentCare PO Box 647, Lexington 967-3551 www.parentcareky.com Provides consultation and referrals on all issues of aging.

Superior Van and Mobility 1180 East New Circle Road (888) 742-8267 www.superiorvan.com Offering sales, service and rental of lowered floor vans, wheelchair lifts, scooter lifts, and vehicle modification.

Transition Mobility & Elevator 721 National Ave. / 299-0068 www.transitionsmobility.com Providing lifts, home elevators, tub cut-outs and door openers to improve mobility for clients in their own home.

Yellow Cab Phone: 231-8294 www.golexcab.com Cabs are wheelchair accessible.

Service to/from doctors office or medical center. Additionally, Yellow Cab can deliver prescriptions and medical supplies to your home if needed.

Successful Aging RESOURCE GUIDE 2016

Resource List 2016

Older Adult Housing Ashland Terrace 475 S. Ashland Ave. / 266-2581 www.ashlandterrace.org Ashwood Place Senior Living 102 Leonardwood Dr., Frankfort (502) 223-5551 ashwoodplace.com Bluegrass Care and Rehab 3576 Pimlico Pkwy. / 272-0608 www.bluegrasscareandrehab.com Bradford Square (Genesis HealthCare) 1040 U.S. Highway 127 South Frankfort / (502) 875-5600 www.genesishcc.com The Breckinridge (Alzheimer’s Residence) 2109 Cornerstone Drive / 543-0824 www.thebreckinridge.com Bridgepointe at Ashgrove Woods 5220 Grey Oak Ln., Nicholasville 885-3000 www.bridgepointeassistedcare.com Cambridge Place 2020 Cambridge Dr. / 252-6747 www.cambridgepl.com Christian Towers 1511 Versailles Road / 253-3625 Council Oaks 111 Coconut Grove Dr., Nicholasville 305-1243 www.council-oaks.com Daisy Hill Senior Living Community 1001 Crossfield Dr., Versailles 753-2000 www.goodworksunlimited.com/locations/daisy-hill/ Fountain Circle Health & Rehabilitation 200 Glenway Rd., Winchester 744-1800 ltcrevolution.com Golden Living Centers 117 Old Soldiers Lane, Frankfort (502) 234-7095 www.local.goldenlivingcenters.com www.lexingtonfamily.com

Hartland Hills 1005 Tanbark Rd. / 273-1212 www.holidaytouch.com Hamburg Senior Residence 1601 Villa Medici Pass 368-7640 The Homeplace at Midway 101 Sexton Way, Midway (859) 846-4663 www.homeplaceatmidway.com Homestead Nursing Center 1608 Versailles Rd. / 252-0871 www.caring.com/local/nursing-homesin-lexington-kentucky/homesteadnursing-center Hometown Manor 2141 Executive Drive, Lexington 317-8439 523 E. Washington St., Georgetown (502) 570-9700 www.hometownmanor.com The Lafayette 690 Mason Headley Rd. / 278-9080 www.lafayettelexington.com The Legacy Home 938 Delaware Ave. / 252-0817 www.legacyhomeministry.org Lexington Country Place 700 Mason Headley Rd. / 259-3486 www.lexingtoncountryplace.com Liberty Ridge 701 Liberty Ridge Lane / 543-9449 www.libertyridge.com Mayfair Village Retirement Community 3310 Tates Creek Rd. / 266-2129 www.mayfairseniors.com Mayfair Manor 3300 Tates Creek Rd. / 266-2126 www.mayfairmanorcares.com Morning Pointe 233 Ruccio Way, 554-0060 150 Shoreside Dr., 721-0350 1400 Gibson Bay Drive, Richmond (859) 626-5000 68 C. Michael Davenport Boulevard Frankfort / (502) 226-5888 www.morningpointe.com The Lantern at Morning Pointe

235 Ruccio Way, 309-4867 66 C. Michael Davenport Boulevard Frankfort / (502) 226-7118 www.morningpointe.com/locations-2/ lantern-assisted-living-lexington Northpoint Lexington Healthcare Center 1500 Trent Blvd. / 272-2273 www.northpointlexington.com Richmond Place 3051 Rio Dosa Dr. / 269-6308 www.brookdaleliving.com Richmond Place Rehabilitation & Healthcare Center 2770 Palumbo Dr. / 263-2410 www.brookdaleliving.com Rose Manor Nursing Home 3057 North Cleveland Rd. 299-4117 Rose Mary C. Brooks Place 200 Rosemary Dr., Winchester (859) 745-4904 www.brooksplace.org Sayre Christian Village 580 Greenfield Dr. / 271-9001 www.sayrechristianvillage.org Signature Healthcare of Georgetown 102 Pocahontas Trail (502) 863-3696 www.shcofgeorgetown.com St. Andrews Place McCready Manor Telford Terrace 300 Stocker Dr., Richmond (859) 625-1400 www.standrewsplace.org Tanbark Health Care 1121 Tanbark Rd. / 273-7377 www.tanbarkhealthcare.com The Villa at Chevy Chase 319 Duke Road / 266-0043 www.thevillaatchevychase.com Wesley Village 1125 Lexington Rd., Wilmore (859) 858-3865 www.wvillage.org

Windsor Gardens 100 Windsor Path, Georgetown

(502) 570-0540 The Willows at Citation (Opening in 2014) 1376 Silver Springs Dr. / 277-0320 www.trilogyhs.com The Willows at Hamburg 2531 Old Rosebud Rd. 543-0337 www.trilogyhs.com

affordable apartment living Central Christian Church Apartments 249 E. Short St. / 252-3671 www.centralchurchapartments.com Christ Church Apartments 137 Rose St. / 254-7762 Emerson Center 2050 Garden Springs Dr. / 278-0526 Main Street Baptist Church Manor 428 Darby Creek Rd. / 263-5153 The King’s Daughters Apartments 220 Hanna Place, Frankfort (502) 223-2141 Ballard Griffith Towers 650 Tower Plaza 281-5081 / 281-5054 www.lexha.org/public-housing/team-ii Briarwood Apartments 1349 Center Parkway / 272-3421 www.briarwoodlexington.com Christian Towers Apartments 1511 Versailles Road / 253-3625 Ferrill Square Apartments 471 Price Road / 389-9784 Hamburg Senior Residence 1601 Villa Medici Pass 368-7640 Liberty Commons 2101 Cornerstone Drive / 264-8055 Malabu Manor Apartments

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Resource List 2016 137 Malabu Drive / 278-5111 Russell School Apartments 211 West Fifth Street / 368-0481

Respite Care Active Day Adult Day Care 191 W. Lowry Lane / 278-2053 Active Day serves individuals 18 years or older with physical and/or cognitive impairments.

Bell House Senior Citizens Center 545 Sayre Ave. / 233-0986 Bluegrass Community Action 111 Professional Court, Frankfort (800) 456-6571 or (502) 695-4290 Christian Care Community’s Best Friends Day Center (Bridgepoint) 5220 Grey Oak Ln., Nicholasville 885-3000 www.bridgepointeassistedcare.com Provides people with memory loss with a safe, creative environment, rich with therapeutic activities.

Christian Care Community Medical Model Adult Day Center 516 Maryland Ave. / 254-5300 www.christiancarecommunities.org Kentucky’s largest faith inspired, non-profit provider of senior living communities and long-term care.

National Family Caregiver Program Bluegrass Area Agency on Aging & Independent Living 699 Perimeter Dr. / 269-8021 www.bgaaail.org

keeping active Aging with Grace 2100 Liberty Road / 539-2147 www.agingwithgraceinfo.org Central Baptist HealthwoRx 161 Lexington Green Circle, Suite B2 260-4354 www.baptisthealthkentucky.com/lexington/services/healthworx/ Group fitness and SilverSneakers classes, plus personal training and

30

massage therapy.

Bluegrass Help at Home Registry 200 E. Main St. / 258-3806 www.bluegrasshelpathome.org List of potential workers to help others in their homes with a variety of tasks.

Senior Community Service Employment Program 111 Professional Court / Frankfort (502) 695-4290 Employment training and placement for persons 55 and older who qualify.

Service Core of Retired Executives 389 Waller Ave., #130 / 231-9902 www.lexington.score.org Volunteer business executives and professionals provide entrepreneurs and small business owners with free counsel, advice and education.

UK Donovan Scholars Program Ligon House, 658 S. Limestone St. 257-2657 www.mc.uky.edu/aging/donovan_fellowship_for_academic_scholars.html Donovan Fellowship for Academic Scholars Tuition Waiver: Tuition waiver for academic courses at the University of Kentucky for persons age 65+.

Donovan Fellows may take individual

courses for credit, work toward an undergraduate or graduate degree or audit classes for the joy of learning.

UK Osher Lifelong Learning Institute Ligon House, 658 S. Limestone St. 257-2657 www.uky.edu/publichealth/academics/ lifelong-learning Programs in Lexington, Morehead and Somerset OLLI at UK offers courses, events, shared interest groups, workshops and day trips for adults 50+. The Donovan Forum Lecture and Entertainment Series held Thursdays at 3 p.m. at the Lexington Senior Center during the fall and spring semesters and are free and open to the public.

YMCA Silver Sneakers Program High Street, Beaumont and North YMCA locations 254-YMCA (9622), 219-YMCA, 258-YMCA www.ymcaofcentralky.org/programs/ activeolder/ Swimming, yoga and exercise classes offered five days a week.

Senior Centers The following centers offer a wide range of services and activities for

persons 60 and older, including informational and referral, health, recreational and social services programs. Many programs are free.

Lexington Senior Center 1530 Nicholasville Rd. / 278-6072 (New location at 195 Life Lane in Idle Hour Park will open in May.) Anderson Co. Sr. Center 160 Township Sq., Lawrenceburg (502) 839-7520 Bourbon Co. Sr. Center Main & Bank Row, Paris (859) 987-7453 Boyle Co. Sr. Center 569 Jean Dr., Danville (859) 236-2070 Clark Co. Sr. Center 32 Meadow St., Winchester (859) 744-3235 Estill Co. Sr. Center 100 Golden Court, Irvine (606) 723-4787 Franklin Co. Sr. Center 202 Medical Heights Dr., Frankfort (502) 223-5794 Garrard Co. Sr. Center 153 Farra Dr., Lancaster

Successful Aging RESOURCE GUIDE 2016

Resource List 2016 Powell Co. Sr. Center 120 Halls Rd., Stanton (606) 663-5981

(859) 792-3147 Harrison Co. Sr. Center 216 Old Lair Rd., Cynthiana (859) 234-5801

Scott Co. Sr. Center 800 Cincinnati Road #10 Georgetown / (502) 863-4041

Jessamine Co. Sr. Center 111 Hoover Dr., Nicholasville (859) 885-9102

Woodford Co. Sr. Center 285 Beasley Road, Versailles (859) 873-7290

Lincoln Co. Sr. Center 100 Senior Way, Stanford (606) 365-9016

Grandparents

Madison/Berea Sr. Center 214 W. Jefferson St, Berea (859) 986-8350

Bluegrass Area Agency on Aging & Independent Living 699 Perimeter Drive 269-8021 / www.bgaaail.org Information about financial assistance for grandparents assuming primary care of young children, including information about annual conferences and free Grandparent and Relative Resource Guide.

Madison/Richmond Sr. Center 1215 W. Main St., Richmond (859) 623-0474 Mercer Co. Sr. Center 1475 Louisville Rd., Harrodsburg (859) 734-5185

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Funeral Services

Milward Funeral Directors 159 N. Broadway / 252-3411 391 Southland Dr. / 276-1415 Celebration Center: 1509 Trent Boulevard / 272-3414 www.milwardfuneral.com Kerr Brothers Funeral Home 3421 Harrodsburg Rd. / 223-3140 463 E. Main St. / 252-6767 www.kerrbrothersfuneralhome.com Y

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LexConnects www.lextran.com / 225-2669 Customized transportation for any social, non-medical group activity such as shopping, lunch and special events. Cost: 50 cents each way for riders 62 and older. Minimum of 10 riders. Reservations required.

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1180 E New Circle Road 253-1832 / www.superiorvan.com

Wheels: Bluegrass Chapter American Red Cross 233-3340 Wheelchair-lift equipped mini-buses for those with disabilities. Door-to-door service. Fare: $1.60 one-way. Hours of service: 5:30 a.m. to midnight Monday through Friday. Must be registered with office to ride.

Independent Transportation Network of the Bluegrass 1206 N. Limestone St. / 252-8665 www.itnbluegrass.org Offers door-to-door transportation service 24/7 for individuals 60 years.

Grandparents As Parents (859) 257-5582 / www.gapofky.org Hosts an annual conference in March.

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Successful Aging RESOURCE GUIDE 2016