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A SPECIAL SECTION OF THE DENISON BULLETIN AND DENISON REVIEW

SENIOR LIVING www.DBRnews.com | Friday, March 23, 2012


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MARCH 23, 2012

Delaying retirement has financial, social benefits The need to save for retirement is something professionals start hearing about from the moment they begin their careers. Whether it's parents extolling the virtues of retirement plans or employers who encourage their employees to take advantage of their retirement programs, saving for retirement is never far from the minds of professionals. As important as such savings can be, many workers are deciding to delay their retirements. As much as men and women envision retiring to a faraway seaside villa for their golden years, such retirements are not terribly common, and many older workers have begun to recognize the economic and social benefits of delaying retirement. Those undecided about when they want to say goodbye to the office should consider the following benefits to delaying retirement: Š Fewer years to worry about financing your lifestyle. Thanks to advancements in medicine and more and more people living healthier lifestyles, men and women are now living longer than in years past. While living longer, healthier lives is a plus, it does have an effect on retirement. Because people can now expect to live longer, they must ensure their money lasts long enough. By delaying retirement, men and women will have fewer retirement years to finance. Š More chances to save money. It might be your dream to retire early, but you could be doing yourself a great disservice by ending your career prematurely. Men and women at or near the end of their careers are often making more money than they ever have, which enables them to save more than they have in the past, especially if children are full grown and supporting themselves. Take advantage of these high-salary years, even if it means working an extra few years. If you do, when you retire you could have substantially more in savings than you would have had you retired early. Š Stay socially active. In addition to economic benefits, delaying retirement has social benefits as well. Many people get the bulk of their social interaction

More and more men and women are choosing to delay their retirement, a decision that has both economic and social benefits.

with colleagues and coworkers. When men and women retire, these opportunities for social interaction can dwindle rather quickly, and it's not uncommon for retirees to battle feelings of isolation. Delaying retirement allows you to easily maintain contact with friends and colleagues, and can lead to a better quality of life. Š The chance to give back. Many older professionals view retirement as being put out to pasture, where their years or experience aren't utilized. However, individuals who delay retirement can use their extra years around the office as an opportunity to leave a

legacy for the next generation. This is something professionals find especially valuable as their retirement draws nearer and they want to leave a lasting mark, be it on their company, within their industry or in the community in which their company operates. Delaying retirement provides more time to build this legacy, and can create a greater sense of fulfillment when men and women do decide to retire. Delaying retirement is growing increasingly popular. Men and women often see it as a chance to build a bigger nest egg and leave a more lasting legacy within their company and community.

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MARCH 23, 2012

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Protecting yourself and Medicare against fraud A column from the Senior Health Insurance Information Program (SHIIP) You can protect yourself and Medicare against fraud by reviewing your claims for errors, reporting errors and knowing how to spot fraud. Kris Gross from the State of Iowa’s Senior Health Insurance Information Program (SHIIP) stated, “When you get health care services, record the dates on a calendar and save the receipts and statements you get from your providers. Compare this information with the summary you get from Medicare to make sure you or Medicare weren’t billed for services or items you didn’t get.” To assist with this process call SHIIP’s toll free number at 1-800351-4664 (TTY 1-800735-2942) to request a free Medicare claims tracking envelope. Once your Original Medicare claims have been processed, you can

review them three ways. Look at your Medicare Summary Notice or call 1800-Medicare (1-800633-4227; TTY 1-877486-2048). If you don’t want to wait for your Medicare Summary Notice to view your Medicare claims, you can go to MyMedicare.gov. This is a secure website where you can view your personal Medicare information. Your claims will generally be available within 24 hours after Medicare receives the claim and processes it. If you are enrolled in a Medicare Advantage Plan (for example an HMO or PPO) or a Medicare prescription drug plan, you may call your plan for more information about a claim. Review each Summary Notice you get to make sure Medicare wasn’t billed for services or items you didn’t get. If you see a charge that may be wrong, call the doctor, health care

provider or supplier to ask about it. The person you speak to may be able to give you information to help you understand the services or supplies you received. Or, they may realize a billing error was made that needs to be corrected. If you contacted the provider and you suspect that Medicare is being charged for a service or supply that you didn’t get, or you do not know the provider on the claim, call 1-800-Medicare. If you have questions about your Medicare claims contact SHIIP, a free, confidential service of the state of Iowa. You can call 1-800-351-4664 (TTY1-800-735-2942), go to www.therightcalliowa.gov or e-mail shiip@iid.iowa.gov. Crawford County Memorial Hospital is the sponsor of the SHIIP program in this area. To arrange an appointment with a local volunteer call 712-2652509.

Proudly serving the Denison area since 1907

Do you have questions? We have answers. You may be faced with many decisions following the death of a loved one. We take the time to listen to your family’s needs and help you during this difficult time.

Here are just a few comments from our families.

We believe that each service should be as unique and special as the person who has died, and we work with each family to tailor every aspect of the service to their specific needs and wishes. We take care of every detail, from cemetery arrangements and coordination with clergy, musicians, florists, pallbearers, service groups and caterers, to writing and posting obituaries and notifying government agencies, and even filing life insurance claims, if requested. Whether you’re coming to us after the death of a loved one or to pre-plan your own services, we can help. What can we do for you?

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Denison Care Center We care for those you care about!

Skilled Care Open Dining Family-like Environment We have been providing the highest quality of resident-centered care for your loved ones since 1972. Call us for a tour. It would be a pleasure to welcome you to our home.

“Dan really took the time to answer all of my children’s questions when their grandfather died, not only before the visitation but also at the cemetery as they said goodbye.” “Pfannebeckers arranged every detail, leaving my family with the peace that everything would be taken care of.”

Jon Schuttinga, Administrator Dan C. Pfannebecker dan@pfannebecker.com www.pfannebecker.com

1425 Broadway • Denison, Iowa 51442 Phone 712.263.4151 Fax 712.263.8662

We open our home to your family.

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When it matters most, turn to those who have been here for you all along… Crawford County Home Health, Hospice & Public Health has been serving the citizens of Crawford County for over a century. Medicare certified Home Health has been provided in the county for over 35 years. Public Health services have been available to the community since the early 1900’s. Medicare certified Hospice has been provided since 1999. Home health, hospice, elderly waiver, homemaker, and personal care services help elderly, disabled, and chronically ill individuals remain in their homes. It is a very difficult time in most people’s lives when health issues are making it difficult for an elderly person to remain at home. Assistance with medical needs, personal cares, housekeeping, grocery shopping, and/or meal preparation often enables individuals to remain at home for a longer period of time. The home health, elderly waiver, personal

Ruth Parker, HCA at Crawford County Home Health, Hospice & Public Health, is setting Viola Brown’s hair after assisting with her bath. Photo by Bruce A. Binning

care and homemaker programs serve residents of Crawford County, while the hospice program serves a 30-mile radius from Denison. Both home health and hospice programs are Medicare certified and need a doctor’s order to meet appropriate guidelines Crawford County Home Health, Hospice & Public Health’s mission is to provide the highest quality of care and meet the needs of the community in the most cost effective way. A registered nurse is on call after hours, on weekends, and holidays to communicate by phone, see clients as necessary, and answer questions as they may arise. Spanish speaking interpreters are also on staff to help meet the needs of the growing diverse population. Home Health services can include a nurse, home care aide and therapies such as physical therapy,

CRAWFORD COUNTY HOME HEALTH, HOSPICE & PUBLIC HEALTH We have a team of professionals who can assist you with your home health, hospice and public health needs. We offer: Public Health Services • Free Blood Pressure Checks • Flu Shots • Elderly Waiver • Community Equipment Loan Program Homemaker Services • Light Housekeeping • Grocery Shopping • Meal Preparations • Laundry

Personal Care Services with Nursing Supervision • Bathing Assistance • Other Hands-on Cares • TED Hose Application

Contact US or your doctor about the benefits we can offer to you through our programs. Home Health & Hospice Services • Nursing • Health Aide

• Physical Therapy • Occupational Therapy

• Speech Therapy • Social Work (Hospice Only)

Agency services are billed to one of the following: Medicare, Medicaid, Iowa Department of Public Health, Elderbridge Agency on Aging, Insurance, Private Pay or Sliding Fee Scale based on income and medical expenses. MISSION STATEMENT: Providing the highest quality of care and meeting the needs of the community in the most cost effective way.

Crawford County Home Health, Hospice & Public Health 105 North Main Street Denison, Iowa 51442 (712) 263-3303 www.crawfordcountyhealth.com

For more information please call us at (712) 263-3303 or stop at our office at 105 North Main Street in Denison. 7-SENIOR(SENIOR SPRING 2012-CRAWFORD CO. HOME HEALTH)CM


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occupational therapy or speech therapy. Professional nurses, therapists or aides come into the client’s home to provide services under the physician’s orders to assist the client to recover from an acute illness or hospitalization, or to manage a chronic condition. Hospice is available to individuals of any age who are in need of endof-life care. Hospice care can be provided in the client’s home, a long term care facility, an assisted living facility, or in the hospital under certain circumstances. Hospice provides specialized care to meet the needs of the client and their loved ones. Nurses work with the client’s physician to provide optimal control of symptoms such as pain or shortness of breath, or to meet other medical needs. Aides provide bathing and personal care assistance and homemaker services. The hospice social worker helps to meet the emotional and psychosocial needs of the client and family and a hospice chaplain can provide spiritual guidance for the client/family. Hospice can also provide volunteers to run errands, sit

with the client, or assist in other ways. Physical, occupational or speech therapy may also be provided if they will add to the client’s quality of life. All the disciplines work together as a team to provide the best possible care. Homemaker services do not need a doctor’s order. The homemakers can assist with light housekeeping, laundry, grocery shopping, and meal preparation. If a client needs assistance with personal care issues, such as bathing, hair washing, application of TED hose, or other handson personal care, a doctor’s order will be obtained and a registered nurse will oversee the care provided by the aide. Crawford County Home Health, Hospice & Public Health also provides assistance to seniors through the Community Equipment Loan Program. This program allows anyone in need to borrow, free of charge, such things as wheelchair, walker, bath bench, toilet seat risers, commodes and other medical equipment. The programs at Crawford County Home Health, Hospice & Public Health

are funded through numerous sources including: Medicare, Medicaid, private insurance, private pay, Local Public Health Services grant, Elderbridge Area on Aging grant, and county tax dollars. For more information about any of these services, please call 712-2633303, stop by at 105 North Main Street (Courthouse Annex) in Denison, email us at cchha@frontiernet.net, or on our website at crawfordcountyhealth.com. Services to adults and seniors provided by Crawford County Home Health, Hospice & Public Health include: Š Home health skilled nursing Š Home health aide Š Hospice Š Homemaker Š Non-skilled personal care assistance Š Physical/occupational/ speech therapy Š Brain injury waiver Š AIDS/HIV waiver Š Intellectual disability waiver Š Ill & handicapped waiver Š free blood pressure checks Š Flu vaccination Š Community equipment loan program

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Assess abilities as an aging driver When a person first earns a driver's license, they've earned more than just the right to legally operate an automobile. To many drivers, a driver's license is symbolic of freedom and selfsufficiency. The significance of a driver's license never truly dissipates, which makes it difficult for aging men and women to address their abilities as a driver and whether or not they can still safely share the road with other motorists. Though many drivers can safely stay behind the wheel well into their older years, others begin to recognize their skills are starting to diminish as they approach senior citizen status. For those who want help gauging their abilities as a driver, some self-examination can help. Assess your eyesight Healthy eyes are essential to being a safe driver, and drivers can assess their eyesight in a number of ways. In addition to visiting an eye doctor for an eye examination, drivers should look for signs that they're having difficulty with driving. If

signs and street markings aren't so easy to read anymore, you might need a new prescription for eyeglasses. When the glare of headlights at night makes it difficult to see, your driver's seat might need to be adjusted or you might want to consider antiglare eyeglasses that make it easier to see at night. Assess your comfort level Safe drivers are also comfortable drivers. To assess your comfort level as a driver, ask yourself the following questions before getting back behind the wheel: Š Is it troublesome to look over your shoulder and change lanes? Š Has steering become difficult? Š Has your reaction time when switching from the gas pedal to the brake pedal decreased? If you can answer "yes" to any of the questions above, it could be that you're beginning to lose strength, coordination and/or flexibility, which can make it more difficult to operate a motor vehicle. Answering "yes" doesn't mean you have to give up your driver's license. In fact,

Aging drivers should weigh a host of factors when determining if it's still safe for them to be on the road.

your doctor might be able to prescribe therapies or medicines or suggest a fitness regimen that can make it easier for you to comfortably drive a car. In addition, if you're having trouble steering or operating a motor vehicle in any way, you might just want to find a vehicle

that's easier to drive, such as one with an automatic transmission that has power steering and brakes. When assessing your comfort level, also examine your mental state while driving. If other drivers make you uncomfortable or traffic signs are confusing,

this can make it difficult to safely operate an automobile. Such feelings when driving could also be a side effect of a particular medication, so discuss the issue with your doctor to see if that's the case and if there are any alternatives.

Honestly address loved ones' concerns Aging drivers are often the last to notice if their abilities behind the wheel are starting to diminish. Loved ones are often put in the position of talking to aging drivers about their abilities, and this can cause friction. If loved ones have expressed concern about your abilities as a driver, honestly address these concerns, even if it's initially hurtful or embarrassing to do so. Your loved ones are sharing their feelings out of genuine concern for your well-being, so don't look at it as an assault on your self-sufficiency. Some organizations, including the AARP and AAA, offer driving classes for mature drivers to help them more adequately handle the challenges aging drivers might face. Aging drivers face obstacles they may or may not be prepared for. When such challenges arise, that doesn't necessarily mean it's time to stop driving entirely. Instead, honestly weigh a host of factors before deciding if it's still safe for you to be behind the wheel.

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✦ March 23 - "Fab Four" concert in Ames ("Beatles" impersonators) ✦ May 18 & 19 - 2 days in Minneapolis including Mall of America with Princess Diana's wedding dress, "Hairspray" play & more ✦ June 9-16 - Mackinac Island Lilac Festival Currently full but check if you're interested ✦ August 15 - a day at the Iowa State Fair ✦ August 28-September 8 - 14 Days in Alaska on cruise/land tour. Currently full. ✦ October 9 -16 - Tennessee Valley Railroad, Memphis & Nashville ✦ December - Christmas One Day Outing to be announced ✦ Summer 2013 - River Barge Cruise through Germany Sound interesting? Stop in and visit with Lana about Crawford Club or call her direct line (712) 263-1324. 7-senior(2012crawfordcobank)CS


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Grandparents helping raise grandchildren Working parents seek the best childcare option, and for some, this means turning to their parents to help care for their kids. More than 60 percent of families with children under age 18 had both parents employed outside the home in 2005 to 2006, according to the Bureau of Labor Statistics. That compares to less than a third of mothers in 1975. The numbers today are around 42 percent, a decrease that likely has a lot to do with unemployment figures remaining high. Grandparents are regularly stepping up to help family members who are under a financial crunch. Grandparents considering caring for their grandkids should keep in mind some things even if the childcare scenario on the surface seems like it is the best option. Š It's a big commitment. Once the decision has been made, it is expected that you will provide care for a certain period of time -- perhaps even without a future end date. Remember, other arrangements will have to be made if

Š

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you back out because it's simply not working. Know your limits. Childcare is not something to take lightly. While you may have had enough energy to provide care years ago, maybe now you are simply not up to the task or have not identified factors that could hinder your ability to care for a grandchild -- no matter how much you love him or her. Be prepared for changes to your life. You will no longer be able to operate on your own schedule. Now your days will largely revolve around caring for your grandkids. If many of your friends are living active lives without grandchildren in tow, this could hamper your relationships and ability to socialize. It could be just what you need. On the flip side, if you have been seeking something to do with your time, being in the presence of your grandchildren could be just what you need to find a purpose for your days. The relationship may cause animosity. If you

are offering care to one set of grandchildren and are not doing so for another, it could strain the relationships among your children. Think about the larger factor before agreeing to being the caregiver. Š Talk to your spouse. If you are married or are in a relationship, this is a decision that will have to be discussed with your partner, whose life will be impacted as well. If both of you aren't seeing eye-toeye on the situation, it may cause a rift that can damage your relationship. Š Avoid guilt. If you choose to say no to the situation, it may generate hurt feelings at the onset, but if you explain your reasons clearly, chances are the loved one will understand how you are feeling. Although grandparents stepping in to become childcare providers for their grandchildren while parents are at work has become a popular situation in recent years, it is important to weigh the pros and cons of the situation before delving headfirst into the arrangement.

More parents are turning to their parents to help provide childcare while they are at work.

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Bipartisan Legislation designed to protect older workers from discrimination Iowa Senators Tom Harkin and Chuck Grassley on March 13 joined with Senator Patrick Leahy to introduce legislation that revives vital civil rights protections for older workers that were limited following the Supreme Court’s decision in Gross v. FBL Financial. Harkin is chairman of the Health, Education, Labor and Pensions (HELP) Committee while Senators Leahy and Grassley are the chairman and ranking member, respectively, of the Senate Judiciary Committee. In Gross, the Supreme Court overturned established precedent that had applied standards of proof the Supreme Court first set out in interpreting the Civil Rights Act of 1964 to the Age Discrimination and Employment Act (ADEA). The Court held that because Congress did not amend the ADEA to include this standard when it codified the standard for race, sex, national origin, and religion claims as part of the Civil Rights Act of 1991, the standard did not

Senator Tom Harkin apply to age claims. As a result of this discrepancy, the opinion has also had reverberations in a wide range of civil cases in addition to age discrimination, including discrimination based on disability. “Jack Gross’s story is unique, but sadly, is not uncommon,” said Senator Harkin. “Prior to the Court’s decision in Gross, the same standard of proof applied equally to all workers, regardless of the type of invidious discrimination they faced. Ignoring these

Senator Chuck Grassley consistent standards, the Court’s decision established a far higher standard of proof for age than for discrimination based on race, sex, national origin and religion, without any rationale or justification. The Protecting Older Workers Against Discrimination Act will reverse the Court’s decision and restore the law to what it was for decades so that Jack Gross and all older workers in this country enjoy the full protections of the law. “The decision in the Gross case has had a

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Gross, the Des Moines man whose case prompted the legislation. “I am also concerned that this decision, with my name on it, is being used as precedent to undermine workers' rights under other civil rights laws, too. I am grateful and proud to have two tenured and highly-respected senators from my home state of Iowa leading the charge on this bipartisan bill to restore longstanding legal standards. Congress has a long history of working together, on a bipartisan basis, to create a level playing field in the workplace, and I hope they will enact this legislation as soon as possible.” The lawmakers said the Protecting Older Workers Against Discrimination Act will restore fundamental fairness. The Act reverses the Gross decision and restores the law to what it was for decades before the Court rewrote the rule. The Act makes clear that when a victim shows discrimination was a “motivating factor” behind a decision,

the burden is properly on the employer to show it complied with the law. The Act is modeled on the Civil Rights Act of 1991, which passed the Senate on a bipartisan basis 93-5. Among other things, the Civil Rights Act of 1991 codified the “motivating factor” framework for race, sex, national origin and religion discrimination claims under Title VII of the Civil Rights Act of 1964. The Act makes clear that this “motivating factor” framework applies to all anti-discrimination and anti-retaliation laws involving race, sex, national origin, religion, age and disability – treating all workers, and all forms of discrimination, equally. The bill is supported by the AARP, the American Association of People with Disabilities (AAPD), the Leadership Conference for Civil and Human Rights, National Employment Lawyers Association, National Partnership for Women and Families, and National Senior Citizens Law Center.

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major impact on employment discrimination litigation across the country. It’s time we clarify the law to ensure that other people like Jack Gross aren’t put in similar situations. Older Americans have immense value to our society and our economy and they deserve the protections Congress originally intended,” Grassley said. “This bipartisan legislation reaffirms the contributions made by older Americans in the workforce and ensures that employees will be evaluated based on their performance and not by arbitrary criteria such as age,” said Senator Leahy. “In these difficult economic times, hardworking Americans deserve our help. We must not allow a thin majority of the Supreme Court to eliminate the protections that Congress has enacted for them.” “The Supreme Court's decision in my case significantly undermined wellestablished protections against discrimination for older workers,” said Jack

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Taking steps to prevent weakened bones Osteoporosis is a disease that weakens bones to the point where they break easily - most often bones in the hip, backbone (spine), and wrist. Osteoporosis is called the “silent disease” because you may not notice any changes until a bone breaks. All the while, though, your bones had been losing strength for many years. Bone is living tissue. To keep bones strong, your body breaks down old bone and replaces it with new bone tissue. As people enter their 40s and 50s, more bone may be broken down than is replaced. A close look at the inside of bone shows something like a honeycomb. When you have osteoporosis, the spaces in this honeycomb grow larger, and the bone that forms the honeycomb gets smaller. The outer shell of your bones also gets thinner. All of this makes your bones weaker. Ten million Americans have osteoporosis. They are mostly women, but men also have this disease. White and Asian women are most likely to have osteoporosis.

Other women at great risk include those who: Š Have a family history of broken bones or osteoporosis Š Have broken a bone while an adult Š Had surgery to remove their ovaries before their periods stopped Š Had early menopause Š Have not gotten enough calcium throughout their lives Š Had extended bed rest Š Used certain medicines for a long time Š Have a small body frame The risk of osteoporosis grows as you get older. At the time of menopause, women may lose bone quickly for several years. After that, the loss slows down but continues. In men, the loss of bone mass is slower. But, by age 65 or 70, men and women are losing bone at the same rate. Around 34 million more Americans have osteopenia. Whether your doctor calls it osteopenia or just says you have low bone mass, consider it a warning. Bone loss has started, but you can still take action to keep your bones strong and maybe prevent osteoporosis later in life. That way you will be less likely to

break a wrist, hip, or vertebrae (bone in your spine) when you are older. For some people the first sign of osteoporosis is to realize they are getting shorter or to break a bone easily. Don’t wait until that happens to see if you have osteoporosis. You can have a bone density test to find out how strong your bones are. Your doctor may suggest a type of bone density test called a DXA test (dual-energy x-ray absorptiometry) if you are a woman age 65 or older or if he or she thinks you are at risk for osteoporosis. The DXA test gives you important information to help you understand your risk for a fracture or broken bone. It could show that you have normal bone density. Or, it could show that you have low bone mass or even osteoporosis. At any age, individuals should take steps to prevent weakened bones. Eating foods that are rich in calcium and vitamin D is important, so is including regular weightbearing exercise in your lifestyle. Those are the best ways to keep your bones strong and healthy.

Getting enough calcium all through your life helps to build and keep strong bones. Women over age 50 need 1,200 mg (milligrams) of calcium every day. Men need 1,000 mg between ages 51 and 70 and 1,200 mg after age 70. Foods that are high in calcium are the best source. For example, eat lowfat dairy foods, canned fish with soft bones such as salmon, and some dark-green leafy vegetables. Check the labels on foods like orange juice, breads, and cereals to find those with calcium added. If you think you aren’t getting enough calcium in your diet, check with your doctor first. He or she may tell you to try a calcium supplement. Calcium carbonate and calcium citrate are two common forms. You have to be careful though. Too much calcium can cause problems for some people. On most days, you should not get more than 2,000 mg of total calcium. That includes calcium from all sources foods, drinks, and supplements.

Your body uses vitamin D to absorb calcium. Most people’s bodies are able to make enough vitamin D if they are out in the sun without sunscreen for 10 to 15 minutes at least twice a week. You can also get vitamin D from eggs, fatty fish, and cereal and milk fortified with vitamin D. If you think you are not getting enough vitamin D, check with your doctor. Each day you should have: Š 600 IU (International Units) if you are age 51 to 70 Š 800 IU if you are over age 70 As with calcium, be careful. More than 4,000 IU of vitamin D each day may cause side effects.

Your bones and muscles will be stronger if you are physically active. Weight-bearing exercises, done three to four times a week, are best for preventing osteoporosis. Walking, jogging, playing tennis, and dancing are examples of weightbearing exercises. Try some strengthening and balance exercises too. They may help you avoid falls, which could cause a broken bone. Information taken from the National Institute of Aging (NIA) website, www.nia.nih.gov. The NIA is one of 27 Institutes and Centers of the National Institutes of Health, a part of the U.S. Department of Health and Human Services.

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What's next after retirement? Scores of people spend their working days dreaming of the moment they are eligible for retirement. They may have retirement counted down to the minutes and seconds, particularly if they've been in a job that hasn't been the most enjoyable. But many people find that once they retire they do not know what to do to fill their time. Boredom actually may be a side effect of retirement, and some people actually want to go back to work. Much of the focus when planning for retirement concerns finances. All other factors take a backseat. Therefore, emotional issues may arise during retirement, and retirees are not always prepared to deal with such issues. Having a post-retirement plan in place can mean the difference between happiness and having a hard time adjusting, according to experts. Here are some tips that can help anyone ease into the golden years. Establish goals. After

Getting out with friends or former coworkers can help banish boredom associated with retirement.

working for years, the idea of setting goals can seem counterintuitive. But goals can give life direction and have you looking forward to things in the future. Goals also motivate retirees to get

up in the morning now that a commute to work isn't part of the daily schedule. Donate time or money. Giving back to others, whether to the community or to a chari-

table organization, can feel good and give retirees some structure. Volunteering your time at a place can give life some sort of purpose outside of a job. Start a home-based

business. Just because you retire doesn't mean you have to fully retire. Now may be the opportunity to start a business venture you have always dreamed about, whether that is something hands-

on or just serving as a consultant. Try new things. Part of goal-setting is to add things to the list you've never done before, which can boost feelings of excitement. You may discover a new interest that becomes a passion. Now that you have time to explore new hobbies, they might prove more rewarding. Meet with people. Part of what makes work fulfilling is the opportunity to get out of the house and interact with others who are not members of your family. It's easy to fall into a rut when you are not being mentally stimulated by conversation from different people. Realize it's alright not to love retirement. Just because the grass seemed greener in someone else's yard, doesn't mean it always turns out to be that way. It is okay to accept that maybe retirement isn't entirely what you expected and to make changes that can enable the experience to be better.

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Here are just a few of the services we provide

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Iowa Department on Aging encourages everyone to make healthy food choices Iowa Department on Aging (IDA) Director Donna Harvey reminded Iowans that March is National Nutrition Month and the year 2012 marks the 40th anniversary of Senior Nutrition Programs of the Older Americans Act. “For 40 years, Iowa's Nutrition Program for Older Iowans has been committed to improving the health of older Iowans, and one of the ways we do this is by providing sound nutrition information to older Iowans and their families in a way that's easy to understand and can be applied to their everyday lives,” Harvey stated. The most recent United States Department of

Agriculture (USDA) Dietary Guidelines for Americans (2010) recommends an increased focus on a plant-based diet. This combined with including lean meats, fish and poultry, and low-fat milk and dairy products creates the foundation for a healthful eating plan. The Nutrition Program for Older Iowans provides nutritious congregate and home delivered meals helping promote good health and needed socialization for folks age 60 and older. In 2011 Iowa’s Nutrition Program, through local Area Agencies on Aging, provided over 2.9 million meals to over 54,000 older Iowans.

Carlene Russell, Nutrition Program Manager for the Iowa Department on Aging, commented, "The USDA Dietary Guidelines, illustrated by My Plate (www.choosemyplate.go v) provides a great foundation to guiding the eating patterns of older Iowans and all citizens.” For more information on Iowa's Nutrition Program for Older Iowans, go to www.aging.iowa.gov/living/nutrition.htm l or call toll-free, 1-800532-3213. To find out about nutrition programs available in local communities, contact Iowa’s Area Agencies on Aging tollfree at: 1-866-468-7887 or log onto www.i4a.org.

Iowa Department on Aging encourages seniors to continue eating healthy as they age, including several fruits and vegetables as part of a balanced diet.

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Precautionary measures older travelers must consider Whether retired or simply an empty nester, older men and women often love their increased opportunities to travel and see the world. Without kids to cater to or college tuition to pay, men and women approaching retirement age, or those who have already passed it by, find themselves with more free time to take to the highways and skyways and experience other cultures. While traveling is a great way to make the most of one's golden years, traveling as an older adult isn't the same as it might have been back when you were a carefree teenager or twenty-something backpacking through Europe. Before setting out to see the world, older travelers should consider a host of factors. Documentation: older travelers tend to travel abroad more than they do domestically, so be sure all documentation, including passports for each traveler, is up-to-date. If you're traveling for an especially long period of time, be sure your passport is valid beyond the length of the

trip. The United States Department of State also notes travelers must determine if the country they plan to visit requires a visa to enter. In addition to passports and any visas you might need, make sure your driver's licenses and auto insurance policies are current and will remain so through the trip. This is important for travelers who plan on renting a car during their vacation. Don't forget to bring your driver's license and proof of auto insurance (as well as contact information for your insurance company should an accident occur) on your trip. Climate and geography: it's also important to consider geographical conditions before establishing any travel plans. Older men and women tend to have more health issues and might even be on prescriptions that can make it challenging to travel to certain areas. Before committing to a trip, consult your physician about the possible effects a certain climate might have on you personally. Some people might be sensitive to altitude and therefore unable

Traveling as an older adult might require more caution and planning than it does for young jetsetters, but such measures won't diminish the joy of your travels.

to travel to high-altitude locations without putting themselves at serious risk. When considering climate and geography, don't overlook a region's history or likelihood of natural disasters. If a given destination has a history of hurricanes, earthquakes or tsunamis, then consider that before making plans. It's still possible to enjoy such destinations, but

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you'll want to travel when such storms or natural disasters are not in season. Luggage and wardrobe: When traveling, it might be comforting to overpack because it can give you the feeling you're prepared for any situation that might arise. But don't pack so heavily that your luggage becomes a nuisance to take from place to place. If you're traveling to espe-

cially tourist-friendly regions, keep in mind such locales often have all a traveler needs should he or she have forgotten something or experiences an emergency. When packing your clothes for a trip, keep your wardrobe as conservative as possible. Anything too flashy could draw the attention of con artists or thieves, as tourists often make for

easy marks. But don't forget to pack some formal attire as well, as clothing that is too casual might make it hard for you to gain access to certain tourist destinations or restaurants. Contact information: while a vacation is an escape for many people, you don't want to escape from the world entirely. Make sure loved ones back home have your itinerary and know where you will be staying should an emergency occur. If traveling abroad where you won't have cell phone service, choose resorts or hotels with Internet access and ensure friends or family members you will check in periodically via email. While staying in touch might not be reminiscent of the carefree travels of your youth, doing so will help your loved ones rest easy and will prove invaluable should something unexpected occur. When traveling, older men and women should consider a host of factors before making plans and always make safety a priority.

Willow Dale Independent & Assisted Living Come and see the difference. We have received our third consecutive Insufficiency Free State Survey! With our rent being less than $28 per day, you can receive the best care at the lowest price in Ida County! Independence, security and 24-hour nursing staff means peace of mind for you and your family. Stop in or call Lin at 712-365-4338 today! Financial assistance is available.

By understanding your current situation, investing time horizon, long-term goals and risk tolerance, we can help you create and implement a saving and investing strategy designed to help you achieve the future you want. Call today to schedule a complimentary portfolio and retirement planning review. Jeff Ploeger, AAMS® Financial Advisor .

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New Golden Horizons Assisted Living overlooks Ida Grove by Emma Kirk Residents at Golden Horizons Assisted Living in Ida Grove have settled into the one-year-old, 23,000 square-foot home. In addition to providing 27 housing units for the community, the assisted living strives to provide activities and entertainment, not only to residents but family, guests and other area seniors, explained Administrator Denise Temple. All apartments, a total of five different layouts ranging in size from 384 to 772 square feet, feature private bathrooms and full-service kitchens with stove, microwave and a full-size refrigerator. Š Elm – two bedroom, kitchen with dining area, living room, and a walk-out to the patio area. Š Evergreen – one bedroom, walk-in closet,

kitchen with dining area, and a walk-out to the patio area. Š Aspen – one bedroom, walk-through closet to bathroom, large bedroom and spacious kitchen. Š Birch – studio apartment, kitchenette, living room with an open area for a bed, and a private bathroom. To make residents feel comfortable, Temple continued, Golden Horizons serves continental breakfast every morning from 7:30 to 9 a.m. “Whenever residents get up, they can come down and eat; it’s kind of like a motel,” she said. Daily amenities also include lunch at noon and supper at five with two menu alternatives. Activities include daily devotions, stretch and flex, morning and afternoon activities such as bingo, cards, music, Wii

sports and more. Golden Horizons also coordinates outings for shopping and entertainment. Twice a month, a local artist teaches class at Golden Horizons. “We have been getting more entertainment on the weekends,” Temple commented. For example, a barbershop quartet from Omaha performed and the facility was opened to the public age 55 and older. Assisted living provides different levels of care to residents to meet their needs, Temple said. Upon arrival at Golden Horizons, an assessment is done to gage a resident’s needs. Staffing at Golden Horizons is based upon the number of residents at the assisted living and the residents’ needs. Temple joined the Golden Horizons staff with career experience in long-

term and assisted living and marketing. “We can assist with dressing, grooming, bathing,” Temple stated.

Not only that, but if a resident received services – such as physical therapy, home health, or hospice – they can continue to have

that outside service provider come into Golden Horizons Assisted Living. Bringing in outside service providers can also help

All the assisted living apartments at Golden Horizons in Ida Grove are equipped with full size refrigerators, stoves and microwaves; some even allow for a table. Residents and their guests enjoy preparing meals in the accommodating spaces. Photo by Emma Kirk

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MARCH 23, 2012 defray the cost of assisted living. Temple pointed out something that people sometimes do not know is that long-term care insurance many times will cover assisted living, too. Local medical transportation is provided as part of included care for residents at Golden Horizons, she added. Temple elaborated about some of the unique aspects of Golden Horizons Assisted Living such as the theater room where residents and their families or guests can watch movies. Additionally, the home is situated right next to the high school in Ida Grove, which allows for combined activities. In fact, Temple said, students from the high school even come to the assisted living and provide computer classes for the residents at the public computer station. “We interact with the high school kids a lot,” she said. “To get the two age groups together is wonderful.” The full-size kitchenettes in the apartments allows for families to intermingle at the assisted living with relatives who are residents. “During the

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Residents at Golden Horizons Assisted Living in Ida Grove enjoy a guitar accompanied piano performance during the afternoon in the common dining room. Each day, the staff plans activities in the morning and afternoon with classes and shows presented by outside talent, as well. Residents’ family and friends are welcome to attend, as well as seniors in the community. Photo by Emma Kirk

holidays…they come to grandma’s and do all the cooking,” Temple recalled. “This winter I couldn’t get over how they would come

to grandma’s apartment, bring all the ingredients and make everything. (The apartments) are big enough to do that.”

Just off the café area where breakfast is served is a patio that residents particularly enjoy during the summer, listening to

the landscaping waterfall and watching wildlife. Connecting the patio, the assisted living’s many entrances, along with vari-

ASSISTED LIVING SERVICES:

ASSISTED LIVING AMENITIES: • Inviting dining room • Spacious theatre room • Cozy foyer with fireplace • Activity room • Sun room • Church chapel • Whirlpool • Therapy room • Beauty and barber shop

Beautifully landscaped grounds with walkways and gardens.

ous gardens, is a sidewalk that goes entirely around the building for the residents’ recreational and exercise use.

• Continental breakfast and two home cooked meals per day • Once a week laundry and bi-weekly linen service • Once a weeek housecleaning • 24 hour attendant care for your safety and security • Lifeline system • Planned activities and outings • Mail pickup and delivery • Utilities • Scheduled transportation locally for medical appointments and special activity outings • Maintenance Golden Horizons offers Assisted Living services tailored to meet the individual needs of our residents. We base our philosophy of care upon resident choice, dignity, privacy, individuality and independence. Our personalize approach allows us to meet the requirements of each of our residents right in the comfort of their own apartment. A service plan is developed by our Registered Nurse, the resident and their family, which together orchestrates a variety of services to support the resident's independence, self-direction and participation in decisions.

GOLDEN HORIZONS of IDA GROVE 800 Byron Godberson Drive Ida Grove, Iowa 51445

Phone: 712-364-4128 89-Senior(spring2012GoldenHorizons)GS


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Kiron man recognized for 70 years perfect attendance at Sunday School by Christy Welch Warren Larson, of Denison, formerly of Kiron, had many roles in his home church of Kiron Baptist Church. He sang in the choir as a first tenor from the age of 16 for a few decades until he lost his voice. He was Sunday School treasurer for almost 25 years, carefully counting the money each Sunday, taking it home and depositing it in the bank the following Monday. His most significant accomplishment was attending Sunday School for 70 consecutive years, for which he received a certificate a few years ago. But, to tell that story we have to go back to the beginning. He was born on a Thanksgiving morning at his home 87 years ago. His parents were Edner G. Larson and Pearl Ruth (Beaumont) Larson. His sister, Velma Elaine Winquist, was three years older than him. Their family farm was

Warren was awarded a certificate on September 7, 2008, after 70 years of consecutive perfect attendance at Sunday School. busy with work. They milked dairy cows, raised hogs, and sold hatchery eggs. The family also grew corn, oats, barley, and hay, mostly for their animals. Warren said that they employed 13 horses to do the farm work. Beyond the farm work, his mother was a Sunday School superintendent for 12 years. “My mother was a smart lady,” he said. “She was intelligent.”

Warren was 3 years old when he first attended Sunday School. “My sister took me by the hand and led me down the aisle,” Warren remembered. “My mama didn’t want to take me down because she knew other kids might turn around and come back after their mom,” he said. “It went wonderfully well because I knew the Sunday School teacher. She was my aunt. We lived just a mile

Little Flower Haven “Our Care Brightens Lives”

apart.” He said he and his sister had made many trips back and forth from his aunts house before that Sunday. Though his father didn’t attend church so he could do the farm work, he drove his children to the church each week. “My dad let me go every Sunday I wanted to go,” he said. “He could hardly keep up alone,” Warren said. “When it came Sunday, poor dad had a big job.” Later in high school, he needed to come straight home and help with the farm. But, his father always brought him and his sister to Sunday School. Through the years, he’s been through a lot of teachers and classes. His church had Sunday School classes for single men, single women, and married women. Since moving from Kiron, he hasn’t been able to attend Sunday School, but he does have his fond memories of all the years he did.

Warren Larson holds his certificate for 70 years of perfect attendance in Sunday School. He now lives at Silveridge in Denison after spending most of his life on the family farm near Kiron. Photo by Christy Welch

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Little Flower Haven understands the importance of meeting the individual social and spiritual needs of our residents.

• 24-hour Skilled Nursing care supervised by a Registered Nurse in consultation with the residents own physician. • Physical, Occupation, and Speech Therapy services. • Care Planning Conferences to review and assess individual needs. Both resident and family are encouraged to attend these meetings to ask questions, share concerns, and provide input regarding care. • A dedicated nursing staff providing residents with the highest level of quality health care in a home-like atmosphere.

We offer... • Religious services for all denominations on a regular basis in our chapel. • Personal visits with priest, minister, or pastor are arranged as requested by resident or family. • Daily social activities, special events, hobbies, and crafts. We also invite community activities into our home including entertainers, religious leaders, school children, and countless volunteers.

Little Flower Haven Skilled Nursing and Rehab Facility

736 Hwy. 37 • Earling, IA • (712) 747-3301 E-mail: lfh@fmctc.com 87-SENIOR (SENIOR 2011-LITTLE FLOWER HAVEN)LM

❖ Fully furnished and decorated featuring, ✓ A cozy sitting area ✓ In room dining area ✓ Refrigerator & microwave ✓ 32 inch HDTV & Cable ✓ Cordless phones Manilla Manor Provides: ❖ Resident Centered Care ❖ Admissions 7 Days per week ❖ 24 Hour Skilled Nursing ❖ Post-Surgery Care ❖ Wound Care ❖ In-House Rehab Services • Physical Therapy • Occupational Therapy • Speech Therapy

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lifestyle choices for seniors With pride, passion and respect, the Eventide Staff is devoted to caring for the Seniors of Crawford County. There are a variety of housing and service options available on the Eventide Campus. We are here to work with you and your family to find the best option in the most cost effective manner. We are here as a resource for comprehensive aging services.

114 S. 20th • Denison 712-263-3114

118 S. 20th • Denison 712-263-6631

214 S. 20th Street 712-263-8169

222 S. 20th • Denison 712-263-2639

The Independence You Value. The Peace of Mind You’ve Been Missing. Welcome to assisted living on your terms. Here at Silveridge, we respect your privacy and independence while offering a full range of services tailored to meet your individual needs. Here you’ll enjoy the company of your peers, along with the peace of mind that comes with knowing help is always available should the need arise with 24-hour certified staff with registered nurse oversight.

Our active retirement community offers: • • • • • • • • •

Spacious 1 & 2 bedroom apartments 3 meals per day Recreational programs Weekly housekeeping and laundry Individualized health & personal services as needed Emergency call system Wireless Internet Satellite TV Whirlpool spa

inspired living™

222 South 20th St. • Denison, IA 712-263-2639 Heather Curnyn, R.N.

Feel free to stop by fo ra tour ... we would be glad to show y ou our home ! 7-SENIOR (SENIOR SPRING 2012-SILVERIDGE) SM


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Grandparents can help grandchildren make better food choices

Grandparents can help reinforce healthy eating by offering snacks such as watermelon instead of sweets.

Iowa Department on Aging (IDA) Director Donna Harvey has encouraged grandparents to help their grandchildren adopt healthy eating habits that can stay with them throughout their lives. “The connection between a grandparent and their grandchild is a valuable one. Grandparents invest in their grandchildren, often taking care of them while parents work and giving them emotional and financial support,” Harvey commented. “In Iowa, more than 13,400 grandchildren

under age 18 are being cared for by a grandparent. By eating healthier themselves, grandparents can set an example for their grandchildren.” Tips on helping a grandchild adopt healthier eating habits include: Š If your grandchild eats a meal with you, turn off the TV, engage them in conversation and set an example by making meal choices that include fruits, vegetables whole grains, dairy and lean meats. Š Offer a variety of foods.

3ƺ27(&7 IOWA.

A fresh pineapple, sweet pepper, fresh spinach salad, salmon, or whole wheat pita bread could be a new food to try. Š Take them along to the grocery store and let them pick out the fruits and vegetables. Give them plenty of choices. Š Let them help you cook. Helping a grandparent in the kitchen can open up the dialogue on preparing meals, where their food comes from and the nutrition value of their choices. Š Choose not to offer

sweets as a reward but give hugs and praise for a job well done and go on a walk to a park for play or other outside activities. Š Introduce grandchildren to the website choosemyplate.gov where they will find interactive games, activities and healthy eating tips especially designed for children. “By making healthier food choices both grandparents and their grandchildren will lead healthier, happier lives,” Harvey stated.

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Heart health tips for seniors no matter the weather The weather and temperature outdoors can have a large impact on energy levels and motivation to exercise. Warm, sunny weather can beckon one outdoors, while cold or rainy weather could keep one hibernating inside -- which is not good for the spirit or the body, including cardiovascular health. Staying active when the weather seems to be pitted against you can be challenging. However, you can do many things to make the best of things and still get the exercise needed for a healthy heart. Here are a few ideas to get started. Head outdoors: instead of the regular workouts you do, consider something that makes the most of the weather outdoors. If it's hot outside, consider walking by the seaside where the ocean mist can

Staying active to keep your heart healthy is important in retirement.

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hold chores with more vigor is another way to get blood flowing and your heart pumping. Eat right: it's far too easy to indulge in comfort foods, but they tend to be fattening. Eating the right foods to maintain a healthy weight goes a long way toward protecting the heart. Be sure to eat breakfast every day, and choose fruits and vegetables as snacks over sweet and salty items. Canned varieties are just as healthy as fresh produce and can offer a variety of flavors when certain foods are not in season. Be sure to include plenty of foods high in fiber. Not only will they help keep cholesterol levels in check, but it will also help you to feel full faster and longer. Dress appropriately: weather is often unpredictable. Therefore, dress

in layers so you can remove or add clothing as needed to remain comfortable. Children and older adults are more susceptible to the effects of cold weather. According to Jersey Shore University Medical Center, when temperatures are low your heart works harder to keep the body warm. Dressing warmly can help avoid taxing the heart. The same caution applies when the temperature is extremely warm. It's easy for the elderly to overheat and become dehydrated. Dress in light clothing and remember to drink plenty of water. Before starting any exercise regimen, it is important to discuss your plans with a physician. He or she can determine if you are physically capable of moderate exercise or if any illnesses may impede your ability.

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keep you cool, or having your feet in the laps of water reaching the sand. Unless you are the Wicked Witch of the West, a little rainfall will not make you melt. Don a raincoat and take a brisk walk around the neighborhood. If it's cold outdoors or if there's residual snow, sledding or skiing remain fun ways to burn calories. All of these activities count as moderate to vigorous exercise, which is recommended daily for most people. Workout indoors: this doesn't necessarily mean heading to the nearest gym. It's possible to get recommended exercise at home or at another location. Walking briskly around a mall is good exercise and you can window shop in the process. Lift heavy items around the house in place of dumbbells. Doing regular house-

Scott A. Bowker, O.D.

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Comeus and. visit us...call 712-792-2042 and ask an for Cindy to set up to visit Come visit . . call 712-792-2042 to set appointment an appointment to visit Orchard View, tour theand facilities talkour withresidents. our residents. Orchard View, tour the facilities talkand with Orchard View • 421 South Clark Street • Carroll, Iowa 51401 • (712) 792-2042 85-SENIOR ‘12(-ORCHARD VIEW)OS


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SENIOR LIVING

MARCH 23, 2012

Store: 712-263-6151 Pharmacy: 712-263-6161 Floral Shop: 712-263-8844 Lawn & Garden Center: 712-263-6412 PHARMACY HOURS: Mon.-Fri. 8:00 a.m. to 6 p.m.; Sat. 8:00 a.m. to 5 p.m.

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Senior Living, Spring 2012