Page 1

August 2013

Better ng i v Li Iowa Senior Medicare Patrol monthly news you can use See Page 2

Senior cooperative housing coming to Bluffs See Page 4

A special supplement to The Daily Nonpareil

See what’s cookin’ at your area Senior Center See Page 11


Better Living Senior Medicare Patrol monthly news you can use 2 Friday, July 26, 2013

Scams looming on the horizon The Federal Trade Commission is warning the public about the latest scam. Scammers have discovered the new “Health Insurance Marketplace,” which will start in October. Important note: Persons on Medicare are not affected. “Medicare isn’t part of the Health Insurance Marketplace, so you don’t need to do anything. If you have Medicare, you are considered covered. The Marketplace won’t affect your Medicare choices, and your benefits won’t be changing. No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan, you’ll still have the same benefits and security you have now. You won’t have to make any changes.” (Source: https://www. healthcare.gov/if-i-havemedicare-do-i-need-todo-anything) This “marketplace” also does not have anything to do with supplemental insurance or Prescription Drug Plans for persons on Medicare. But scammers are trying to convince the public that they must take some action now by paying money or giving their personal information like Social Security numbers. And because these new insurance programs may

The Daily Nonpareil

available on Medicare website Medicare recently announced they’ve improved and expanded the ability to search for information about doctors and group practices on their website, www. Medicare.gov. The section can be found on their home page by clicking “find doctors & other health professionals.” There are a variety of ways to search – by office location or specialty or by group practice name. You can learn what hospitals a physician is associated with; this might be important to you if you expect to have tests or Submitted photo procedures and you want Scammers have discovered the new “Health Insurance Marketplace,” which will start in October. Important note: Per- to be certain you can use sons on Medicare are not affected. Scammers are trying to a particular hospital. If convince the public that they must take some action now by paying money or giving their personal information like Social you don’t know what speciality name to use, you Security numbers. be confusing, scammers more affordable health can search by naming a will likely try to convince insurance should visit body part or organ or a people on Medicare that the website www.Healththey must do something. Care.gov or phone 1 (800) Information for per- 318-2596 to obtain inforsons who aren’t on Medi- mation. care but are looking for “Physician compare”

TAKE THE FIRST STEP TOWARD PAIN FREE FEET

type of disease, to find which doctors specialize in your health concern. If you aren’t comfortable with using a computer to search for this information, ask a friend or family member, or ask your local library if they are able to help you with using this website. There is a video on the website that explains how to use the “physician compare.” Suspicious calls in Iowa right now Watch out for calls about these things: • New Social Security cards – Social Security is NOT sending new cards. • Problems with your computer – a stranger who calls you about a problem showing up on your computer is trying to scam you. MEDICARE/See Page 5

Dr. Panesar

Podiatric Surgeon

Dr. Panesar & Dr. Copple treat all conditions of the foot and ankle. To find out what treatment options – non-surgical and surgical – are available call for your appointment at Dr. Copple 712-323-5333. Podiatric Surgeon One Edmundson Place, Suite 500 | Council Bluffs, IA

www.millerortho.com Podiatric Services in Council Bluffs, Omaha, Oakland & Missouri Valley

We offer the best medical, emotional & spiritual support to patients and their families so they can focus on what matters most to them.


Better Living Iowa Department on Aging accepting nominations for Betty Grandquist Lifetime Achievement Award

The Daily Nonpareil

Friday, July 26, 2013

Award to be presented at the Independent Living Conference being held Oct. 14-15 in Ames DES MOINES – Iowa Department on Aging Director Donna Harvey issued a call for nominations for the 2013 Betty Grandquist Lifetime Achievement Award. The award recognizes an Iowan who has made a significant contribution to achieving excellence in the field of healthy aging and has promoted the wellbeing and independence of older Iowans and/or Iowans with disabilities.

The 2013 Betty Grandquist Lifetime Achievement Award recognizes an Iowan who has made a significant professional or volunteer contribution to the field of aging. The Betty Grandquist Lifetime Achievement Award will be presented during the annual Centenarian Honors Luncheon on Oct. 14 at the ISU Scheman Conference Center in Ames. The luncheon is in conjunction with the Inde-

pendent Living Conference, which is being held Oct. 14-15. The nomination form can be found on the Department’s website at: www.iowaaging.gov. The deadline for submitting the nomination form and support information is Aug. 30. The Betty Grandquist Lifetime Achievement Award is named in honor of Betty Grandquist, a former Department on Aging director and long-time advocate in the field of healthy aging. For more information on the Betty Grandquist Lifetime Achievement Award, contact the Iowa Department on Aging at contactida@iowa.gov or call

Better Living Better Living (Senior Courier) is a publication of The Daily Nonpareil and Connections Area Agency on Aging. The publication is distributed by The Daily Nonpareil to approximately 17,000 households in Pottawattamie, Mills and Harrison counties. An additional 8,000 copies are distributed through a volunteer network to people age 60 and older in Cass, Fremont, Mills, Montgomery, Page and Shelby counties in Iowa. Address all correspondence to: Better Living/ Courier Coordinator, Connections Area Agency on Aging, 300 W. Broadway, Suite 240, Council

Bluffs, IA 51503; or call (712) 328-2540 or tollfree at (800) 432-9209; or you can contact us via the Web at www.connectionsaaa.org. Advertising Information The Daily Nonpareil of Council Bluffs represents

the Better Living section. Advertising rates are available by contacting retail advertising at (712) 328-1811. The advertising deadline for the next issue is the 13th day of the month prior to the running of the ad.

3

1 (800) 532-3213 and ask for Machelle Shaffer. The mission of the Iowa Department on Aging is to develop a comprehensive, coordinated and cost-effective system of long-term living and community support services that help individuals maintain their health and independence in their homes and communities.

– Iowa Department on Aging.

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Better Living Senior cooperative housing is coming to Bluffs 4 Friday, July 26, 2013

TIM ROHWER

trohwer@nonpareilonline.com

A new type of senior housing is coming to Council Bluffs. It’s called Village Cooperative, owned by the Ree Development Co., to be located by Franklin and Bennett avenues. Cooperative housing means joint ownership and operations of a housing development by those who live in it. “We’ve been doing this for a long time and if there was a better value, we would do that,” said Shane Wright, a company spokesman. Each home, or member, purchases a share in a limited equity corporation. These shares provide the equity to secure a mortgage. Each membership has an equal voting status in electing a Board of Directors that monitors building operations, which enables the community to be operated at a reasonable cost, Wright said recently during a public information meeting. Cooperative housing combines the pride of ownership with the conveniences of community living, he added. Two primary costs are involved. There’s the share cost, a one-time down payment that purchases a share in the cooperative corporation. Members also pay monthly fees that cover operating expenses, as well

The Daily Nonpareil

as the mortgage principal and interest, real estate taxes, operating expenses, interior and exterior maintenance, water, sewer and trash removal costs. The following are just some of the standard features maintained by the cooperative: • Kitchen appliances and kitchen islands with a breakfast bar and elevated dishwashers. • Natural gas air heating and electric central air cooling. • Carpeting throughout the living areas. • No-wax vinyl floor-

ing in the kitchen, bathroom, and storage room. • Laundry room with full-size washer and dryer. • Spacious closets. • Shower stall in master bathroom, including a grab bar. • Second bathroom has a tub/shower combination. • Private maintenance-free balcony. • Telephone outlets in kitchen, living room, bedroom and den. • Cable TV outlets in kitchen, living room and bedroom. • Wireless high-speed

Internet service. There are other nice features, Wright said. “There is a club room for card games or to watch ball games. There is also a large community room, as well as a fitness center and garden areas.”

What’s more, all of the exterior doors are locked, Wright said. Best of all are the friendships created and just being with others in the same age group, HOUSING/See Page 6

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Better Living

The Daily Nonpareil

Friday, July 26, 2013

Medicare Patrol news you can use SAVE THE DATE! MEDICARE/From Page 2

• Bank account or debit card problems – be careful about responding to a text message or phone message that asks you for your account information. Craigslist – Be safe when you sell, buy or look for services! As the use of the Internet by older persons grows by leaps and bounds, so does the need for everyone to be cautious when doing business online. Craigslist is a website on which people can advertise at no cost, items they want to sell or give away, as well as services they can perform for others for a fee. It has become a very popular website on which you can find items and services near to your home.

The number one recommendation from Craigslist to protect the safety of buyers and sellers, is to deal only in your local area, with people you can meet in a public place, preferably taking a companion with you. Other important tips are: • Never wire money. • Never give any personal information like your home address, bank information, or whether you live alone. • Don’t accept cashiers checks and money orders as they can look very real yet be counterfeit. • Avoid shipping as part of your transaction. (Sources: www.craigslist.org and Emeritus Senior Living “Senior Care Blog,” http://www. theseniorcareblog.com/ post/keeping-seniorssafe-craigslist.) – Iowa SMP.

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Better Living

6 Friday, July 26, 2013

The Daily Nonpareil

New type of senior housing coming to Council Bluffs HOUSING/From Page 4

Wright said. “There is a sense of camaraderie,” he said. “You can live with others who are 55 or older. You want to be with your peers. A lot of new relationships are formed.” This type of housing has been around since the early 1970s, Wright said, and today there are 102 cooperatives nationwide.

The Village Cooperative of Council Bluffs has 50 one and two bedroom units planned and 19 have already been reserved, he said. To learn more about this project, call the local sales agent, Denise Bilyeu, at (712) 308-7819 or go online at councilbluffs@reedevelopment. com. Her office is located at 1920 Rue Street, Suite 3.

Serving the community for 38 years BETHANY HEIGHTS 11 Elliott St. 328-8228

2008

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DAILY N

2009

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2010

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2011

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2012

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DAILY N

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Rooted in the Past, Growing into the Future

KNEE OR HIP PAIN?

Are you having trouble walking or standing for long periods of time? Has it become difficult to go up and/or down stairs? Is the pain in your knee or hip waking you up at night? These conditions may be due to arthritis in your knee or hip and are treatable. The orthopedic specialists at Miller Orthopedic perform hundreds of knee and hip procedures each year that help patients return to pain-free living.

It’s your health, you should expect excellence in your orthopaedic care. If you feel you have lived with the pain for long enough, call 712.323.5333 to schedule an appointment.

It’s quality of life!

www.millerortho.com/kneehip

Shane Wright, a company spokesman for Village Cooperative, said one of the perks of cooperative housing is a sense of camaraderie and the friendships created by being with those in the same age group. Submitted photo


Better Living

The Daily Nonpareil

Friday, July 26, 2013

7

Area Senior Centers Centers follow the menu on the last page of the Better Living Courier, and meals are based on a suggested contribution of $3.25 to individuals age 60 or older. For the following centers, please make meal reservations at 11 a.m. one day in advance. Council Bluffs at The Center 714 S. Main St. (712) 323-5995 M-F 12 p.m.

Carter Lake Senior Center 626 E. Locust St. (712) 347-6102 M-W, F 12 p.m. Thurs. 5 p.m.

Logan Senior Center 108 West Fourth St. (712) 644-2229 M-F 12 p.m. Oakland Senior Center 618 N. Hwy (712) 482-3353 M-F 12 p.m.

Clarinda Senior Center 1140 E. Main St. (712) 542-2932 M-F 11:30 a.m.

Malvern Senior Center 201 East Fourth St. (712) 624-8985 M-F 11:30 a.m.

Red Oak Senior Center 2700 N. Fourth St. (712) 623-3497 M-F 12 p.m.

Please note: the Lakin Campus, Shenandoah (Meal Site) and Hamburg Senior Centers have closed, call 1-800-432-9209 with questions.

Dunlap Senior Center 619 Iowa St. (712) 643-2244 M-F 12 p.m. Neola Senior Center 110 Fourth St. (712) 485-2179 M-F 12 p.m.

Missouri Valley Senior Center 100 S. Fourth St. (712) 642-3215 M-F 11:30 a.m.

Sidney Senior Center 2820 N. Ridge Road (712) 374-3053, M-F 12 p.m.

Villisca Senior Center 312 S. Third Ave. (712) 826-5182 M-F 11:30 a.m.

Stanton Senior Center 326 Broad Ave. (712) 826-2782 Tue./Wed./Thurs. 11:45 a.m.

Woodbine Senior Center 411 Walker St. (712) 647-3011 M-F 11:30 a.m. Open 8:30 a.m. to 12:30 p.m. Lunch at 11:30 a.m.

Shenandoah Senior Activity Center 405 W. Sheridan Ave. (712) 246-2002, M/W/F 12:30 to 4 p.m.; T, Th 9:30 a.m. to 4 p.m. Meal 2nd Wednesday of the month.

Irwin Senior Center 520 Ann St. (712) 782-3367 M-F 11:30 a.m.

Harlan Senior Center* 706 Victoria (712) 755-2757 M-F 12 p.m.

FEELING EXHAUSTED? Drumming up business is hard work. Take a quick catnap while we help you get the word out!

CALL TO ADVERTISE:

325-5700

Living at the Village Cooperative is spectacular!

Join us at our

Lunch and Learn

Tuesday, July 23rd – Noon

Council Bluffs Country Club – 4500 Piute St., Council Bluffs RSVP to Denise by July 22nd at (712) 308-7819

DISCOVER THE BENEFITS

The following centers are not affiliated: Atlantic Senior Center 411 Walnut St. (712) 243-3599 M–F 9 a.m. to 4p.m.; Meals served Tues./ Wed./Thurs., 11:30 a.m.

Glenwood Sr. Center 20 N. Vine St. (712) 527-4213 M-F 11:30 a.m.

The best feature about living in our community for active adults, 55+, is that you’ll enjoy a maintenance-free lifestyle!

Come Home to Westridge Apartments We have beautiful rental assisted Homes designed specifically for Senior Citizens and/ or the disabled.

WE offer ALL the conveniences of apartment living with ALL the comforts of home. Amenities Include: • All Utilities Furnished including Heat & Air Conditioning • 24-Hour Emergency Maintenance • Controlled Entrance • Furnished Stove & Refrigerator • Elevators • Community Room for Activities • Laundry Facility • Rental Assistance Available

• Maintenance-free living • All the benefits of home ownership • In-home laundry & storage areas e • Gues Guest su suite • Woodworking shop • Secure building • Fitness center • Underground heated parking & car wash

“It was time for a change. The Village Cooperative appealed to us because we wouldn’t have to worry about maintenance, upkeep, or lawn care anymore!” y - Robert & Katherine W.

Contact Denise today today!! (712) 308-7819

1920 Rue Street, Suite 3 Bluff Bl uffss Council Bluffs coun co uncilb ilblluff ffs@r ffs @ree @r eede ee deeve vello lopm lopm p en nt. t.co t.c c m com councilbluffs@reedevelopment.com

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Better Living Financial pointers for older, unmarried couples 8 Friday, July 26, 2013

Moving in together is something typically associated with young couples, but more and more unmarried men and women over the age of 50 are choosing to cohabitate. According to an analysis of 2012 U.S. Census data conducted by the Performance Reference Bureau, roughly 10 percent of the 15.3 million opposite-sex unmarried cohabiting partners in the United States are between the ages of 55 and 64, while 15 percent are between the ages of 45 and 54. Such figures indicate that living together as an unmarried couple is no longer exclusive to younger couples. The incentives for older, unmarried couples to cohabitate are similar to those for younger ones, but older couples should heed a few financial pointers before deciding to move in together. • Iron out the financial details ahead of time. Young couples who move in together often do so as a precursor to getting married. Such couples do

The Daily Nonpareil

not typically have much in the way of financial assets and, as a result, do not need to come to any formal agreement regarding their finances. Older couples, however, might be bringing a more substantial financial portfolio into the relationship, and these finances can complicate matters. Before moving in together, older couples should document their finances and how household expenses, including a mortgage if one exists, will be paid. Decisions regarding who will receive the tax breaks you might be eligible for when paying a mortgage should also be considered. Documenting your financial situation can protect your assets

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Our program provides a comprehensive system of health care. The model of service is PACE: Program of All-inclusive Care for the Elderly. Our program includes primary, acute and long-term health care as well as adult day services and transportation. Services are provided in the home, in the community and at our PACE Center.

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Patricia N Thomas Products available at Farm Bureau Financial Services Wellmark Blue Cross and Blue Shield of Iowa is an Independent Licensee of the Blue Cross and Blue Shield Association.

in a contentious financial Older, unmarried men battle not unlike couples and women who choose going through a divorce. • Maintain some COUPLES/See Page 9 financial independence.

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should you break up. If these arrangements are not documented, unmarried couples who break up could find themselves

PACE participants may be fully and personally liable for the costs of unauthorized or out-of-PACE program services. Emergency services are covered. Participants may disenroll at any time.

For complete program details and benefits, please call 712-256-PATH (7284).

1702 North 16th Street Council Bluffs, IA 51501 712-256-PATH (7284) www.immanuelpathways.org


The Daily Nonpareil

Better Living

Friday, July 26, 2013

9

Tips to navigate cohabitation for unmarried couples • Discuss any changes with your family, espeto cohabitate with their cially any children. When partners should still you make changes to maintain some finan- your will, those changes cial independence after moving in together. A joint checking or savings account might work down the road, but initially keep these accounts separate to avoid any disputes. Keep paying your own bills, including car payments and credit cards, at the onset as well. • Update certain documents and policies. Upon your death, a partner with whom you cohabitate does not have the same legal rights of inheritance as would a spouse. As a result, it’s important for unmarried individuals who cohabitate with their partners to update their wills, especially if they have been cohabitating for an extended period of time and want their partner to be taken care of in case of their death. In addition to updating information regarding beneficiaries, older men and women might want to update certain information regarding their health, like who should take legal responsibility for medical decisions should one partner become incapacitated. In addition to updating your will, update any existing life insurance policies and retirement benefits to include your partner if you so desire. COUPLES/From Page 8

will affect your beneficiaries. Upon making these changes, discuss them with your existing beneficiaries so your partner

does not have to deal with relatives whose feelings might be hurt upon your death. This might not be an easy discussion, but

you will want your partner to have your family as a support system upon your death.

– Metro Creative Connection.

LEGAL SERVICES DIRECTORY

Consult these local attorneys for all your legal needs. TELPNER, SMITH, TELPNER,PETERSON, PETERSON, SMITH, RUESCH, THOMAS & SIMPSON RUESCH, THOMAS & SIMPSON, LLP

Attorneys At Law 25 Main Place, Suite 200 • Council Bluffs Charles L. Walter P. Thomas Charles L. Smith Smith Shannon Dell ‘Orfano Simpson Jack E. E. Ruesch Shannon Dell ‘Orfano Simpson Jack Ruesch Nicole Hughes Engelhardt Walter P. Thomas Nicole Aimee L. Lowe All Attorneys Licensed in Iowa & Nebraska

325-9000 • www.telpnerlaw.com

The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. This disclosure is required by rule of the Supreme Court of Iowa. A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as a specialist or expert in an indicated field of law practice, nor does it mean that such lawyer is necessarily any more expert or competent than any other lawyer. All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. This notice is required by rule of the Supreme Court of Iowa.


10 Friday, July 26, 2013

Better Living

The Daily Nonpareil

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Pictured Above : Ann Wilson presenting the winning quilt to Kelly Butts

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Pay no enrollment fee, plus, receive a FREE 714 South Mainbalance Street • Council Bluffs, IAand 51503 fitness assessment, assessment equipment orientation! (712) 323-5995


Better Living

The Daily Nonpareil

Friday, July 26, 2013

11

Senior Center Menu AUGUST TUE

MON

THU

WED

All meals include coffee and 2% or skim milk. Please make reservations one day in advance. Modified diets may be requested when making reservations. Bring a friend!

Hearty ham shanks in northern beans broccoli salt free bread diced peaches

5

12

Sloppy Joe whole grain HB bun 1/2 baked sweet potato vegetable pasta salad Mandarin oranges and pineapple

19

Breaded fish wedge tarter sauce scalloped potatoes Oregon blend vegetables WG wheat bread pineapple

26

Swiss steak in tomato vegetable gravy scalloped potatoes green beans salt free bread banana

Chicken breast patty leaf lettuce and tomatoes WG hamburger bun ranch whip potatoes cowboy caviar fresh orange

6

13

Chicken Alfredo Oregon blend vegetables spinach side salad salt free bread cubed cantaloupe

20

Cheesy chicken and rice with broccoli cowboy caviar cinnamon raisin bread banana

27

Oven roasted chicken breast in Supreme Sauce ranch whipped potatoes sliced beets salt free bread fresh orange

7

Meaty chili with kidney beans over baked potato salt free bread Emerald pears

14

Beef stroganoff Italian blend vegetables salt free bread banana

21

Open faced meatloaf sandwich with gravy over salt free bread mashed potatoes Brussels sprouts Jello cake

28

Chicken tetrazinni Lima beans spinach side salad salt free bread seedless red grapes

FRI 1

Fried chicken baked potato carrot coins salt free bread applesauce

Pork roast in gravy mashed potatoes green and gold beans salt free bread Birthday cake or white cake square

8

15

Beef roast in gravy mashed potatoes glazed baby beets salt free bread strawberry short cake with whipped cream

22

Pork loin in gravy baby red poatoes mixed vegetables salt free bread Mom’s peach cobbler or white cake square

29

Italian meatballs (5 each) wheat hot dog bun baked potato peas and pearl onion diced pears

2

Hearty beef stew cinnamon pears WG wheat roll cubed cantaloupe

9

Spaghetti with meat sauce Italian blend vegetables spinach side salad salt free bread fruit cocktail

16

Turkey sandwich croissant leaf lettuce/tomato slices Lima beans red seedless grapes

23

Italian goulash spinach shredded lettuce salad salt free bread cubed cantaloupe

Fried chicken (x2) potato salad cowboy caviar biscuit cubed watermelon

30


Better Living Safety on the road: Vision and your driver’s license 12 Friday, July 26, 2013

The Daily Nonpareil

Some aspects of aging are unavoidable, including changes in vision. Because vision is so important to driving, the state of Iowa requires you pass a vision screening. This is required before you get a driver’s license or permit, or when you renew your license. In addition to the vision screening, your “side” vision, or peripheral vision, will also be screened. You need to see “out of the corner of your eye.” This lets you observe vehicles and other potential trouble on either side while you look ahead. The following are vision tips for continued safe driving: • If you need eyeglasses for driving, be sure your prescription is up to date. Wear proper glasses for day and night driving if you have them. • When driving in sunlight, wear good quality

sunglasses, prescription glasses if needed. Avoid lens tint that may affect your ability to properly distinguish colors. • Remember to check your rearview mirror, side mirrors, and instrument panel when driving. Turning your head with your eyes will help you monitor activity on the sides of your car. • Choose eyeglass or sunglass frames with narrow side pieces at the

temples. Wide frames and brackets may block or distract your vision. • Adjust your driver’s seat so your vision is not obscured by the dashboard and you can see the road ahead. If the seat cannot be adjusted, use a pillow or other support for proper positioning. • If you have a “Person’s with Disabilities” parking permit, remove it from your mirror before

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driving. • Keep mirrors, headlights and taillights clean and in good repair. Remember to wash both the inside and outside of windshields and windows regularly. • If you have difficulty seeing in low-light situations, avoid driving at night or during bad weather. • Never wear sunglasses or deeply tinted glasses for driving at night or dusk. • Do not drink and drive, and always use your seat belt. Remember that certain prescriptions and over-thecounter medications can impact your vision and

alertness. Read drug labels carefully, and check with our doctor about side effects. You may decide to have your vision exam with your eye specialist about the same time you renew your license. Your eye specialist will complete a form furnished by the department or will complete a letter indicating the results. The vision exam must be within 30 days of when you apply for your license. Because it is so important to safe driving that you see well, have your vision checked routinely. Visit with your eye specialist about how often. – Iowa Department of Transportation.

Better Living August 2013  
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