50plus LIFE York County November 2017

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York County Edition | November 2017 • Vol. 18 No. 11

The Diabetes Disconnect page 4

wartime vets, spouses may qualify for benefit page 10

special feature: giving from the heart page 16

The Beauty in Nature

Sweet Gums and Bradford Pears Clyde McMillan-Gamber

Sweet gum and Bradford pear trees are planted on lawns and along streets in southeastern Pennsylvania, as elsewhere, for their attractive shapes, summer shade, colored leaves, and multitudes of white flowers on the pear trees in April.

But autumn foliage is the greatest beauty on these trees.

Sweet gum and Bradford pear leaves don’t start turning colors until late in October but continue well into November. Their brightly colored, glossy fall foliage glows in the lowslanting fall sunlight after most other autumn leaves have fallen from their twig moorings.

And the strikingly colorful foliage of sweet gums and Bradford pears is beautiful against the green of coniferous needles and the gray of deciduous limbs and trunks.

Sweet gum

Sweet gums are Southern trees, sparingly established in scattered little thickets and woodland edges in the wild in southeastern Pennsylvania.

Most sweet gums we see here were planted.

But all trees of this species bear beautiful yellow, red, and maroon leaves, all colors on the same tree, during the latter part of October and into November.

And they produce brown, pingpong-ball-sized, bristly seed balls that have several openings in each one that release many small, dark seeds that are eaten by seed-eating birds during fall and winter.

Those birds include two kinds of chickadees and a variety of sparrows and finches, which add much more beauty and intrigue to the sweet gums.

Bradford pears are domestic trees that are not native to North America.

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Bradford pear

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| Harrisburg, PA

But this ornamental species is becoming ever more feral in this area.

And by late October and well into November, their shiny leaves turn to maroon and bright red and are quite attractive clinging to their twigs.

This type of pear also grows olivebrown, berrylike fruits that are mature by autumn. Squirrels and mice eat many of those small fruits.

And a variety of berry-eating birds—including American robins, eastern bluebirds, cedar waxwings, blue jays, and starlings—feast heartily on them as well. These animals add to the appeal of Bradford pears in autumn and winter.

And the birds that digest the pulp of those fruits pass the seeds from them in their droppings as they fly here and there across the countryside.

Baby trees sprout from some of those seeds in many scattered pastures, abandoned fields, and roadsides, even creating pure stands of feral Bradford pear trees that are especially lovely in November.

This November, watch for these two species of trees on lawns, meadows, and roadsides. Their attractive autumn leaves—and the pretty, interesting critters on them to consume their fruits—brighten many a gray November day.

You Think Your Meds Are Expensive?

Medication can be expensive. If you’re annoyed at the cost of the prescription drugs you take, check out this list of the world’s most expensive medications (from the GoodRx website):

Cinryze – This injectable medication is used to prevent swelling and pain caused by hereditary angioedema. It goes for $72,100 for a 30-day supply.

Sovaldi – This treatment for hepatitis C costs $75,600 for a 30-day supply.

H.P. Acthar – At $51,600 for a 30day supply, this medication is the most expensive drug on a per-patient basis for Medicare.

Harvoni – Another hepatitis C drug from the same manufacturer is $74,000 for 30 days.

Daklinza – Another hepatitis C medication, this one goes for $50,700 for 30 days. www.50plusLifePA.com

The face of Medicare is changing

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www.50plusLifePA.com

50plus LIFE t

November 2017

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Cover Story

The Diabetes Disconnect Corporate Office

3912 Abel Drive, Columbia, PA 17512 Phone 717.285.1350 • Fax 717.285.1360 Chester County: 610.675.6240 Cumberland County/Dauphin County: 717.770.0140 Berks County/Lancaster County/ Lebanon County/York County: 717.285.1350 E-mail address: info@onlinepub.com Website address: www.onlinepub.com

PRESIDENT AND PUBLISHER Donna K. Anderson

EDITORIAL

Vice President and Managing Editor Christianne Rupp Editor, 50plus Publications Megan Joyce

ART DEPARTMENT Project Coordinator Renee McWilliams Production Artist Lauren McNallen

BUSINESS DEVELOPMENT Account Representatives Matthew Chesson Janette McLaurin Tia Stauffer Angie Willis Gina Yocum Events Manager Kimberly Shaffer Marketing Coordinator Mariah Hammacher

ADMINISTRATION Business Manager Elizabeth Duvall

Member of

Awards

50plus LIFE is published by On-Line Publishers, Inc. and is distributed monthly among senior centers, retirement communities, banks, grocers, libraries and other outlets serving the senior community.

On-Line Publishers, Inc. will not knowingly accept or publish advertising which may be fraudulent or misleading in nature.

Views expressed in opinion stories, contributions, articles and letters are not necessarily the views of the publisher. The appearance of advertisements for products or services does not constitute an endorsement of the particular product or service. The publisher will not be responsible for mistakes in advertisements unless notified within five days of publication. On-Line Publishers, Inc. reserves the right to revise or reject any and all advertising. No part of this publication may be reproduced or reprinted without permission of On-Line Publishers, Inc. We will not knowingly publish any advertisement or information not in compliance with the Federal Fair Housing Act, Pennsylvania State laws or other local laws.

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November 2017

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By Sandra Gordon If you’ve been diagnosed with diabetes, keeping track of your blood sugar can feel like a full-time job.

You might be more tired than usual too.

Given all that’s going on, it’s easy to lose track of the fact that diabetes can be a catalyst for other major conditions, including heart disease, kidney failure, bone-weakening osteoporosis, arthritis, diabetic neuropathy (nerve damage), and vision problems.

Being aware of the connection, though, is important because you can be an advocate for your own health and take charge of the situation.

To reduce your risk of complications, these steps can help you derail the diabetes domino effect.

Go on a fact-finding mission. Your HbA1C level is the best gauge of diabetes control because it’s an average of your blood sugar over the past two to three months.

Generally, you’re shooting for a number below 7 percent. Anything above 7 signals your blood sugar isn’t as well controlled as it could be.

“If your HbA1c is high, be your own detective and solve the mystery,” says Margaret Eckert-Norton, PhD, RN, a certified diabetes educator.

In addition to daily fasting blood-sugar testing, “I ask my patients to do more random checking of their blood sugar instead of sticking with a set routine,” she says.

Eckert-Norton suggests monitoring your blood sugar frequently during the day, such as an hour or two after breakfast and lunch and before bed, for a week or so. Then, show your data to your doctor to see if your medication needs adjusting.

Blood sugar that’s not well managed can quickly damage the tiny capillary blood vessels in your eyes, kidneys, and in extremities, such as your feet, which can lead to diabetic retinopathy, joint damage, and limb amputation. These blood vessels are thinner than a hair.

“There’s strong evidence that managing Type 2 diabetes reduces the risk of these complications considerably,” says endocrinologist Kevin Pantalone, DO. Chronic high blood sugar can also affect your risk of heart attack and stroke. Cardiovascular disease is the No. 1 killer of patients with Type 2 diabetes.

That’s why you’ll also want to aggressively control your blood pressure and cholesterol by following your

diabetes eating plan and taking high blood pressure and/or cholesterol-lowering medication, such as a statin drug, if necessary.

Don’t wait to lose weight. “When most patients are diagnosed with Type 2 diabetes, they’ve already lost 50 percent of their body’s ability to make insulin,” Pantalone says.

Still, shedding pounds (if you need to) as close to diagnosis as possible, when you still have 50 percent capacity, can make blood sugar easier to control over the long run and can help prevent diabetes complications, including heart disease, stroke, and osteoarthritis.

There’s a strong link between diabetes and osteoarthritis. Researchers suspect that high blood sugar may damage cartilage in joints.

But losing weight is a fix for both conditions.

Shedding as little as 15 pounds can cut knee pain in half and reduce blood sugar, enabling some people to taper off insulin and other medications.

Overall, “overweight is the master condition that drives the development of other major conditions,” Pantalone says. But losing weight tends to make everything better.

Quit it! Smoking increases the risk of death from heart attack in people with diabetes by 52 percent, according to a study in BMJ Open.

Kicking the habit is not only good for your heart and blood sugar control, it’s also important for bone health. People with Type 1 and Type 2 diabetes have an increased risk of fractures. Researchers suspect it may be due to the interplay between insulin and osteocalcin, a hormone found in bone.

Switch medication. Some medications to manage blood sugar can cause weight gain, but several newer ones are available that don’t have this side effect.

If you start to put on pounds after you’ve been diagnosed, ask your doctor about changing your medication.

Be sure to fill your prescriptions quickly and use injectable insulin exactly as it is prescribed. Don’t try to stretch insulin by skipping injections or taking smaller doses.

If the cost of insulin is a problem, ask your doctor about different, less expensive types of insulin available. www.50plusLifePA.com

See where you are. In addition to keeping your regular doctor’s appointments to monitor your blood sugar, see an ophthalmologist regularly.

Diabetes can cause blood vessels in the eye to leak, which causes blurry vision and leads to vision loss. But in the early stages, you might not notice it. A yearly dilated eye exam can detect and treat the problem before it progresses.

Exercise your options. “Physical activity acts like insulin. If you’re more physically active, the amount of injectable insulin you may need might go down,” says diabetes researcher William Herman, MD, MPH. Try to exercise 30 minutes per

day at least five days per week with moderately intense activities, such as brisk walking, jogging, swimming, or cycling.

“Exercising five times per week really helped me,” says Ron Saul, 69, a former NFL offensive lineman for the Washington Redskins who was diagnosed with Type 2 diabetes at age 50. “I do the elliptical machine 45 minutes each day and lift weights, and feel great.”

Besides helping to manage blood sugar, being active can provide a feeling of well-being that can make you want to keep up the good work.

Sandra Gordon is an award-winning writer who delivers expert advice and the latest developments in health, nutrition, parenting, and consumer issues.

With Diabetes Looming, Area Grandmother Decides to ‘Make a Choice’ Q: What were your health status The Health Promotion Council and lifestyle like before you took recently announced the launch of steps to change them?

Makeachoice.org, a new online Linda D’Ambrosia: I was carrying resource to help in the fight against a lot of extra weight, so I developed diabetes and obesity. high blood pressure.

Part of a I couldn’t walk very collaboration with the Pennsylvania far without losing my breath, my joints Department hurt, and I was tired of Health, all of the time.

Makeachoice.org is a I knew if I didn’t statewide initiative connecting make a change that a diabetes diagnosis Pennsylvanians was right around the to personal corner. success stories, diabetes education programs, and Q: How was Type 2 diabetes a free online affecting both you resource (www.

Linda D’Ambrosia and your family? makeachoice.org) to LD: I have family help encourage and members with both Type 1 and inspire Pennsylvanians to prioritize their health and make a choice to live Type 2 diabetes. I saw firsthand how a healthier lifestyle. debilitating and cruel the disease can be. Seeing someone whose sugar is too Linda D’Ambrosia, of Harrisburg, low and not being able to wake them was recently named a healthy up is a frightening experience. champion for the Make A Choice Also, seeing them struggle with initiative. Read on to learn how high day-to-day issues that come with blood pressure and a frightening diabetes, like thinking clearly or fainting spell finally prompted keeping medications organized and D’Ambrosia to begin improving her health, energy, and longevity. please see DIABETES page 6 www.50plusLifePA.com

Nov. 2, 2017 9 a.m. – 2 p.m.

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Employers Job Counseling Workshops/Seminars Resume Writing Assistance Principal Sponsor:

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November 2017

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DIABETES from page 5 on track, was eye-opening to me.

Q: What finally led you to decide to work on your health?

LD: One day while I was at work, I experienced a fainting spell that turned out to be a common symptom of high blood pressure. My physician put me on medication for high blood pressure, and I didn’t like how it made me feel.

After about six months, I decided to make a change and finally take care of myself. That day, I made a choice to put myself first and take care of my body—and when you take care of your body, you are also taking care of your mind.

I was tired of being tired and taking medication. I didn’t like myself and hated shopping for clothing.

Q: What immediate steps did you take to improve your health?

LD: I began educating myself about how I could change my eating habits. I started planning menus that included healthier choices. I joined

an organization to help me with my weight loss and learned healthier eating habits.

It’s interesting because I was very strict about what I served my family; they had to eat vegetables and fruits at every meal. (Once again, I always put myself last.)

On Sunday nights, I loaded my lunchbox up with foods that I knew were safe to snack on without feeling guilty. I shopped and prepared meals and snacks in advance so there was no excuse to choose other options.

Once I had the support of the weight-loss organization and my family, the weight started coming off. I was then able to go off the medication and started adding exercise into my life. I began with slow, short walks and then became a member of a gym so the weather couldn’t be an excuse to not exercise.

Soon, I was able to add more mileage to my walks, I walked faster, and I felt so much better. The fatigue disappeared too.

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Code YSN

Q: How has your fitness routine evolved over time?

LD: With working full time, I realized that if I went home before my walks or going to the gym, I would not do anything. I would vacuum, clean, watch TV, and tell myself that I would do it tomorrow. That did not work.

I now have an extra pair of sneakers and socks under my desk and walk at lunchtime. I also walk after work before I go home, so there is no excuse. It’s done and I feel great when I know that I put in time for me!

I looked more closely at my health insurance and discovered that I could attend more than one gym. I have (jogged) a few half marathons.

I walk the dogs, and I take my granddaughter for walks and enjoy spending time running after her!

I also have a gym bag packed with an extra pair of sneakers and workout gear so wherever I am, I have a choice.

Q: What achievements or changes are you most proud of?

LD: I’m really happy that I am a role model for my daughters and granddaughter. If they don’t make a choice to take care of themselves, they could one day develop diabetes and other health issues. They all eat very healthy, exercise, and run races with me, which is a great way to spend time with my family.

Keeping my weight down and staying as healthy as I can is the best feeling. I want to see my grandchildren grow up and keep doing the things that I couldn’t do 15 years ago.

I also found that I can eat things that I want to and I don’t deprive myself of anything. Finding a balance is key to keeping the weight off, staying off high blood pressure meds, and preventing diabetes.

Q: How did you become involved with the Make A Choice initiative and what do you like about it?

LD: I volunteered for a weightloss program and met others who were struggling to lose weight. I was contacted by one of the group members who remembered who I was and remembered my journey.

I am excited to be a part of the Make A Choice initiative as it is intended to inspire and help all Pennsylvanians to get on track to live a healthier lifestyle. By doing so, they can prevent the onset of diabetes and other serious health conditions.

Q: What advice do you offer someone who is facing a diabetes diagnosis and feeling overwhelmed?

LD: You can make a change to be fit and live the life that you want and deserve no matter what your age. There are support groups as well as specific diabetes-prevention and diabetes self-management programs that will give you the support and guidance you need to get started. A list of these programs can be found at www.makeachoice.org.

Put yourself first, and the feeling of being overwhelmed will lessen as you see and feel the changes in your body.

You will have more energy, have more choices in your life, and become a stronger person inside and out.

Get your family and neighbors on board too. Now, my neighbors and I walk together at least twice a week.

I get to spend time with them and we motivate each other. It’s a great feeling.

To learn more about diabetes prevention and management programs in the Capital Region, visit www.makeachoice. org. To see more about Linda D’Ambrosia’s journey to health and wellness, go to www.makeachoice.org/ healthy-champions.

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Get Help Navigating Medicare The York County Area Agency on Aging’s APPRISE program will offer free personalized counseling during Medicare’s annual enrollment period, which began Oct. 15 and ends Dec. 7.

The annual enrollment period is when Medicare beneficiaries can review their coverage and determine if health and prescription plans continue to meet their needs.

By comparing plans and making changes by Dec. 7, Medicare will have enough time to process those changes to ensure the new coverage will begin on Jan. 1, 2018.

Throughout the annual enrollment

period, Medicare beneficiaries will be able to receive oneon-one counseling assistance offered by trained APPRISE counselors at different locations throughout York County.

Prescheduled appointments are necessary and can be made by calling the APPRISE scheduling line at (717) 771-9042 or (800) 6329073.

The AARP Tax-Aide Foundation Program is looking to expand its team of volunteers in York County.

Tax-Aide is a program that offers free tax filing help for those who need it most, especially older, lower-income taxpayers, who miss out on credits and deductions they have earned because they cannot afford to pay for

professional tax preparation.

AARP Foundation Tax-Aide volunteers receive training and continued support in a welcoming environment. There are a variety of roles for individuals at every level of experience.

Volunteer tax preparers complete tax preparation training and IRS

Dates and locations for Nov. 9 and 30, 4–6 p.m. the sessions are as follows: York Suburban High School 1800 Hollywood Drive, Spring Nov. 2, 4–6 p.m Garden Township Dallastown Area High Nov. 15, 1–4 p.m.

School Northeastern High School 700 New School Lane, 300 High St., Manchester York Township

Nov. 20, 9:30 a.m. to 2 p.m.

Nov. 8, noon to 2:15 p.m. Red Lion Area High School 200 Horace Mann Ave., Red Lion South Central Senior Center 150 E. Main St., New Freedom Borough

Dec. 4, 5, and 6, 9 a.m. to noon York County Area Agency on Aging 100 W. Market St., York

Volunteer Tax Assistance Needed certification prior to working with taxpayers.

There is also a need for grassroots leadership, onsite greeters, and interpreters who can provide language assistance.

Last year in York County, nearly 60 AARP Foundation Tax-Aide volunteers helped more than 3,500

people file their federal and state tax returns. The program is offered at 14 sites in York County, including senior centers, churches, libraries, and other locations.

To learn about volunteer opportunities, call (717) 825-5190 or visit www.pataxaide.org and click on the red “Volunteer Now” box.

At Your Fingertips Helpful numbers, hotlines, and local businesses and organizations eager to serve you—all just a phone call away.

Animal Hospitals Community Animal Hospital Donald A. Sloat, D.V.M. 400 S. Pine St., York (717) 845-5669 Automobile Sales/Service Gordon’s Body Shop, Inc. 10 Mill St., Stewartstown (717) 993-2263 Coins & Currency Steinmetz Coins & Currency 2861 E. Prospect Road, York (717) 757-6980 Energy Assistance Low-Income Energy Assistance (717) 787-8750 Entertainment Dutch Apple Dinner Theatre 510 Centerville Road, Lancaster (717) 898-1900 www.50plusLifePA.com

Funeral & Cremation Services Cremation Society of Pennsylvania Serving Lancaster County (800) 720-8221

Hearing Services Pennsylvania Office for the Deaf and Hard of Hearing (800) 233-3008 V/TTY

Health & Medical Services Alzheimer’s Association (717) 651-5020

Home Care Services Visiting Angels Living Assistance Services Hanover: (717) 630-0067 Lancaster: (717) 393-3450 York: (717) 751-2488

Alzheimer’s Information Clearinghouse (800) 367-5115 American Diabetes Association (800) 342-2383 CONTACT Helpline (717) 652-4400 The National Kidney Foundation (800) 697-7007 or (717) 757-0604 Social Security Information (800) 772-1213 Healthcare Information Pennsylvania HealthCare Cost Containment (717) 232-6787

Housing Assistance Housing Authority of York (717) 845-2601 Property Tax/Rent Rebate (888) 728-2937

Self-storage U-Stor-It (717) 741-2202 – Dallastown (717) 840-9369 – York Services York County Area Agency on Aging (800) 632-9073 Veterans Services Lebanon VA Medical Center 1700 S. Lincoln Ave., Lebanon (717) 228-6000 or (800) 409-8771 Volunteer opportunities RSVP of the Capital Region (443) 619-3842

Insurance – Long-Term Care Apprise Insurance Counseling (717) 771-9610 or (800) 632-9073 Pharmacies CVS/pharmacy www.cvs.com 50plus LIFE t

Not an all-inclusive list of advertisers in your area.

November 2017

7

Nursing & Rehabilitation Centers The listings with a shaded background have additional information about their center in a display advertisement in this edition.

Bethany Village – The Oaks

325 Wesley Drive • Mechanicsburg, PA 17055 (717) 766-0279 • www.bethanyvillage.org Number of Beds: 69 Rehabilitation Unit: Yes Alzheimer’s Unit: Yes Skilled Licensed Nursing: Yes Therapy: Speech, Occupational, Physical Long-Term Care: Yes Respite Care: Yes 24-Hour Medical Care: Yes Recreational Activities: Yes Scheduled Entertainment: Yes

Private Rooms Available: Yes Semi-Private Rooms Available: Yes Pet Visitation Allowed: Yes Beauty/Barber Shop: Yes Medicare: Yes Medicaid: Yes Accreditations/Affiliations: CARF/CCAC; Eagle, LeadingAge PA Comments: Maplewood Assisted Living also available.

Homeland Center

1901 North Fifth Street • Harrisburg, PA 17102-1598 (717) 221-7902 • www.homelandcenter.org Number of Beds: 95 Rehabilitation Unit: No Alzheimer’s Unit: Yes Skilled Licensed Nursing: Yes Therapy: Speech, Occupational, Physical Long-Term Care: Yes Respite Care: Yes 24-Hour Medical Care: Yes Recreational Activities: Yes Scheduled Entertainment: Yes

Private Rooms Available: Yes Semi-Private Rooms Available: Yes Pet Visitation Allowed: Yes Beauty/Barber Shop: Yes Medicare: Yes Medicaid: Yes Accreditations/Affiliations: AAHSA, LeadingAge PA (PANPHA), NHPCO, PHN, HPNA Comments: A beautiful, full-service continuing care retirement community with a 150-year history of exemplary care.

The Middletown Home

999 West Harrisburg Pike • Middletown, PA 17057 (717) 944-3351 • www.middletownhome.org Number of Beds: 102 Rehabilitation Unit: No Alzheimer’s Unit: No Skilled Licensed Nursing: Yes Therapy: Speech, Occupational, Respiratory, Physical Long-Term Care: Yes Respite Care: Yes 24-Hour Medical Care: Yes Recreational Activities: Yes

Scheduled Entertainment: Yes Private Rooms Available: Yes Semi-Private Rooms Available: Yes Pet Visitation Allowed: Yes Beauty/Barber Shop: Yes Medicare: Yes Medicaid: Yes Comments: Our campus offers skilled nursing and rehabilitation services, personal care, and independent living residences.

StoneRidge Towne Centre

7 West Park Avenue • Myerstown, PA 17067 (717) 866-6541 • www.stoneridgeretirement.com Number of Beds: 135 Rehabilitation Unit: Yes Alzheimer’s Unit: Yes Skilled Licensed Nursing: Yes Therapy: Speech, Physical, Occupational Long-Term Care: Yes Respite Care: Yes 24-Hour Medical Care: Yes Recreational Activities: Yes Scheduled Entertainment: Yes

Private Rooms Available: Yes Semi-Private Rooms Available: Yes Pet Visitation Allowed: Yes Beauty/Barber Shop: Yes Medicare: Yes Medicaid: Yes Comments: A devoted team providing care and compassion in the heart of Myerstown. Personal care available.

Claremont Nursing & Rehabilitation Center 1000 Claremont Road • Carlisle, PA 17013 (717) 243-2031 • www.ccpa.net/cnrc Number of Beds: 282 Rehabilitation Unit: Yes Alzheimer’s Unit: Yes Skilled Licensed Nursing: Yes Therapy: Speech, Occupational, Physical Long-Term Care: Yes Respite Care: Yes 24-Hour Medical Care: Yes Recreational Activities: Yes Scheduled Entertainment: Yes

Private Rooms Available: No Semi-Private Rooms Available: Yes Pet Visitation Allowed: Yes Beauty/Barber Shop: Yes Medicare: Yes Medicaid: Yes Comments: Featuring Transitions at Claremont, a dedicated, 39-bed, shortterm rehab unit. Claremont provides quality skilled nursing and secured dementia care.

Mennonite Home Communities

1520 Harrisburg Pike • Lancaster, PA 17601 (717) 393-1301 • www.mennonitehome.org Number of Beds: 188 Rehabilitation Unit: Yes Alzheimer’s Unit: Yes Skilled Licensed Nursing: Yes Therapy: Speech, Occupational, Physical Long-Term Care: Yes Respite Care: Yes 24-Hour Medical Care: Yes Recreational Activities: Yes Scheduled Entertainment: Yes

Private Rooms Available: Yes Semi-Private Rooms Available: Yes Pet Visitation Allowed: Yes Beauty/Barber Shop: Yes Medicare: Yes Medicaid: Yes Accreditations/Affiliations: Equal Housing, LeadingAge PA Comments: Person-centered care with reputation for compassion and excellence. Established in 1903. Respite care available w/minimum stay.

Pleasant Acres Nursing & Rehabilitation Center 118 Pleasant Acres Road • York, PA 17402 (717) 840-7100 • www.yorkcountypa.gov Number of Beds: 375 Rehabilitation Unit: No Alzheimer’s Unit: Yes Skilled Licensed Nursing: Yes Therapy: Speech, Physical, Occupational Respiratory Long-Term Care: Yes Respite Care: Yes 24-Hour Medical Care: Yes Recreational Activities: Yes

Scheduled Entertainment: Yes Private Rooms Available: No Semi-Private Rooms Available: Yes Pet Visitation Allowed: Yes Beauty/Barber Shop: Yes Medicare: Yes Medicaid: Yes Comments: Elm Spring Residence Independent Living on campus.

Thornwald Home

442 Walnut Bottom Road • Carlisle, PA 17013 (717) 249-4118 • www.ucc-homes.org Number of Beds: 117 Rehabilitation Unit: No Alzheimer’s Unit: No Skilled Licensed Nursing: Yes Therapy: Speech, Occupational, Physical Long-Term Care: Yes Respite Care: Yes 24-Hour Medical Care: Yes Recreational Activities: Yes Scheduled Entertainment: Yes

UCC Homes

Private Rooms Available: Yes Semi-Private Rooms Available: Yes Pet Visitation Allowed: Yes Beauty/Barber Shop: Yes Medicare: Yes Medicaid: Yes Comments: A place to be yourself and celebrate your life.

This is not an all-inclusive list of agencies and providers. These advertisers are eager to provide additional information about their services.

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www.50plusLifePA.com

Nursing & Rehabilitation Centers The listings with a shaded background have additional information about their center in a display advertisement in this edition.

Transitions Healthcare – Gettysburg

595 Biglerville Road • Gettysburg, PA 17325 (717) 334-6249 • www.transitionshealthcarellc.com Number of Beds: 135 Rehabilitation Unit: Yes Alzheimer’s Unit: Yes Skilled Licensed Nursing: Yes Therapy: Speech, Occupational, Respiratory, Physical Long-Term Care: Yes Respite Care: Yes 24-Hour Medical Care: Yes Recreational Activities: Yes

Scheduled Entertainment: Yes Private Rooms Available: Yes Semi-Private Rooms Available: Yes Pet Visitation Allowed: Yes Beauty/Barber Shop: Yes Medicare: Yes Medicaid: Yes Accreditations/Affiliations: PHCA, PACA Comments: Fully staffed Transitions Healthcare employees in skilled nursing and sub-acute rehab. Tours are encouraged!

If you would like to be featured on this important page, please contact your account representative or call (717) 285-1350.

This is not an all-inclusive list of agencies and providers. These advertisers are eager to provide additional information about their services.

The Bookworm Sez

The American Spirit Terri Schlichenmeyer

One nation, under God, indivisible.

Those words deeply mean something to you. Maybe you’ve fought for them. Maybe you say them daily. You see the news and they leap to mind, whether you’re optimistic for the future or pessimistic about current events.

And in the book The American Spirit by David McCullough, you’ll see how the former better describes our nation.

For the past 50 years or so, author and historian McCullough has given many speeches. He’s been honored to talk to graduating classes, business organizations, and politicians throughout that time, and he says he often returns home knowing that “the American spirit [is] still at work.”

Yes, we’ve always been divided— and united.

We were united by people like John Adams, Thomas Jefferson, and Manasseh Cutler, men about whom much has been written.

And yet, says McCullough, there were other “giants” in history that we never hear much about: Henry Cabot Lodge Jr., Speaker Joe Martin, www.50plusLifePA.com

Margaret Chase We are a Smith, Frank country that Church … the list is values education. endless.

We mostly “want “How can we to belong to know who we something larger are and where we than ourselves.” We are headed,” asks are a nation made McCullough, “if of people born we don’t know here and around where we have come the world. We are from?” stewards of and Knowing why our teachers for historic cities grew, and why sites. they were important, And “When explains us in better bad news is riding detail; take the “Pitt high …” says from Pittsburgh The American Spirit: Who We Are McCullough, “… and the loss would and some keep and What We Stand For

By David McCullough be devastating,” crying that the c. 2017, Simon & Schuster McCullough says, as country is going to 176 pages an example. the dogs, remember We also should it’s always been study the “energy” of the documents going to the dogs in the eyes of some, created by the Founding Fathers— and that 90 percent, or more, of the and about those fathers, we must people are good people … remember that they were “living men” “We all know that. Let’s all pitch and fallible humans. They wrote with in. And never lose heart.” their reputations in mind, “staking The news makes you want to their lives on what they believed …” scream? Come over here and join the

club—but bring your copy of The American Spirit. There’s a lot we can learn together.

We can do that, says author David McCullough, by reading history to get a bigger picture of the arms-wideopen optimism shared by America’s brightest citizens. Here, in this anthology of speeches, McCullough displays unparalleled storytelling skills with tales of those preachers, politicians, visionaries, men, and women whose work meant everything to a growing nation.

It’s hard not to get caught up in McCullough’s eagerness to know those tales, and it’s hard not to be stirred by them.

This book is small, but its message is huge. So, if you’re a student of current events, give it the introspection and time it demands.

Do that, and The American Spirit could pledge for you a new outlook.

The Bookworm is Terri Schlichenmeyer.

Terri has been reading since she was 3 years old and she never goes anywhere without a book. She lives on a hill in Wisconsin with two dogs and 14,000 books.

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Aid & Attendance Veterans’ Benefit Wartime Vets, Surviving Spouses May Qualify for A&A Benefit For many aging or disabled veterans who need help with activities of daily living, finding the funds to pay for the care they need is a common concern.

Many veterans aren’t aware of the Aid & Attendance pension they have earned for themselves and their surviving spouses through their service to their country.

The Aid and Attendance pension provides benefits that reduce the cost of care for wartime veterans and surviving spouses who require assisted living/personal care.

Veterans and surviving spouses who are eligible for a VA pension and require the aid and attendance of another person, or are housebound,

may be eligible for additional monetary payment.

“Aid & Attendance is most often used [to pay] for a personal care home and/or home care,” Daniel Tooth, director of the Lancaster County Department of Veterans Affairs, said.

Tooth added that a common misconception about the benefit is “that all veterans can receive this benefit. Only wartime veterans and their surviving spouses are eligible.”

When a veteran turns 65, the VA automatically classifies them as disabled, and if they meet income and asset criteria, they are eligible for a basic

pension.

Because Aid and Attendance and Housebound allowances increase the pension amount, people who are not eligible for a basic pension due to excessive income may be eligible for pension at these increased rates.

A&A and Housebound benefits

are non-service-connected benefits (disability need not be a result of service).

A veteran or surviving spouse may not receive Aid and Attendance benefits and Housebound benefits at the same time, nor may they receive non-service and service-connected compensation at the same time.

If a veteran is currently receiving disability compensation from the VA, they cannot receive both the disability compensation and the A&A pension, but they can file for the increased pension based on non-serviceconnected health issues.

If the application is approved, the VA will pay whichever benefit has the highest dollar amount. If the

Veterans and Surviving Spouses:

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November 2017

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Aid & Attendance Veterans’ Benefit veteran is receiving compensation for a service-connected injury, that compensation would not be counted as income.

Aid & Attendance (A&A) The Aid & Attendance increased monthly pension amount may be added to your monthly pension amount if you meet one of the following conditions: • You require the aid of another person in order to perform personal functions required in everyday living, such as bathing, feeding, dressing, toileting, adjusting prosthetic devices, or protecting yourself from the hazards of your daily environment (e.g., using a stove or other household appliances).

• You are bedridden, in that your disability or disabilities require that you remain in bed apart from any prescribed course of convalescence or treatment.

• You are a patient in an assisted living or personal care facility due to mental or physical incapacity.

• Your eyesight is limited to a corrected 5/200 visual acuity or less in both eyes or concentric contraction of the visual field to 5 degrees or less.

personal care home or nursing facility, the community’s administration will often assist in making sure you have the necessary information collected and that it is complete prior to submission.

What You Need You must have military discharge or DD 214.

You should include copies of the Aid & Attendance Form 10 or VA 21, signed by a doctor, M.D., or D.O., validating the need for Aid and Attendance or Housebound-type care.

The VA does not accept physician assistant, nurse, or social worker signatures.

Eligibility requirements include (canceled checks or statements are required for documentation of expenses): 1. Ninety continuous days of service in the U.S. military with at least one day during a wartime period as established by the U.S. Congress, e.g., World War II, Korea, Vietnam.

• Incontinence supplies Household income and medical expenses include both veteran and spouse. The household asset limit is $80,000, not including the home and/ or auto.

The objective is to use medical expenses to reduce income. Income can be verified through SS 1099, tax returns, bank statements, etc.

Although there is not currently a look-back period and penalty on asset transfers to reduce wealth, as is the case with Medicaid applications, Tooth warned changes are on the horizon for 2018.

“There is a two-year look-back on asset transfers coming next year,” Tooth said.

Even if you don’t qualify for the Aid & Attendance benefit, you may

still qualify for the Basic Pension based on age and income or Pension with Housebound Benefits if you are housebound.

For more information, check out the Aid and Attendance page on the Department of Veterans Affairs’ website (www.benefits.va.gov/pension/ aid_attendance_housebound. asp), VeteranAid.org, or call the Philadelphia VA Regional Office tollfree at (800) 827-1000 or one of the communities in this section.

The communities included in this special feature are eager to help you become more familiar with the Aid and Attendance benefit.

Call to make an appointment to take a tour and speak with them to see how they can help your loved one live in a safe environment with the attention they need for a happy and healthy life.

2. A medical diagnosis or condition that required the assistance of another person to meet the daily necessities of life, such as hygiene, eating, bathing, etc. Example: Alzheimer’s disease or other dementia, stroke, blindness, etc.

Housebound This increased monthly pension amount may be added to your monthly pension amount when you are substantially confined to your immediate premises because of permanent disability.

3. Household income that is below the established limits. Authorized outof-pocket household medical expenses can be deducted from income. These expenses can include:

How to Apply In eastern Pennsylvania, you may apply for Aid and Attendance or Housebound benefits by writing to the Philadelphia VA Regional Office, P.O. Box 8079, Philadelphia, PA 19101. Call the office toll-free at (800) 827-1000 for more information.

When considering a move to a

•P rescription drugs

www.50plusLifePA.com

•F uneral expenses

•M edicare and health insurance premiums

The Veterans Benefits Assistance Program provides help to determine your eligibility to receive the Aid & Attendance Pension available through the U.S. Department of Veterans Affairs. Providence Place will assist you throughout the application process.

Please contact our senior living counselor at (717) 767-4500, or visit us today.

•C o-payments for doctors and prescriptions • S killed nursing care or home care •A ssisted living (personal care in Pennsylvania) and nursing care expenses when required by medical conditions

3377 Fox Run Road Dover, PA 17315 (717) 767-4500 www.providence-place.com 50plus LIFE t

November 2017

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U-STOR-IT



Self Storage



             

     





Taking MILITARY DONATIONS All Month! Contact either location for items needed.

Drop off at either location.

Home of the ½ off 1st 2 Months 2786 South Queen St, Dallastown, PA 17313

(717) 741-2202

1331 North Sherman St, York, PA 17406

(717) 840-9369 www.ustorityork.com

Like 50plus LIFE? Then “Like” 50plus LIFE!

www.facebook.com/50plusLIFEPA “Like” us on Facebook to receive a free 6-month subscription!

Plus, you’ll receive event updates, story links, and more!

rabbittransit Receives Donation from Vets in Etters local community-based The Central outreach clinics in York Pennsylvania and Camp Hill, as well Transportation as transportation to the Authority, which Lebanon VA Medical does business as Center. rabbittransit, recently “We are extremely accepted a generous pleased with VFW donation from local Post 537’s donation. veterans. The James Over 300 trips are A. Danner, VFW performed each month Post 537 in Etters, on the YORKVET made the donation. shuttle. Without The $1,000 From left, Michael Bernhardt, such support, donation was made director of mobility services, to rabbittransit rabbittransit would rabbittransit; Joseph Colonna, to support post commander, VFW Post 537; not be able to provide veterans’ medical and Charles Yost, post chaplain, the transportation assistance needed,” transportation in VFW Post 537. said Richard Farr, York County. rabbittransit executive director.

Since the launch of its YORKVET The YORKVET shuttle operates transportation shuttle in partnership every weekday departing York at 6:30 with the York County Depart of and 9:30 a.m. For those interested Veterans Affairs, rabbittransit has begun to receive donations within the in learning more about veterans’ transportation options, call (800) 632community.

9063, email info@rabbittransit.org or The donations will support local visit www.rabbittransit.org. veterans in securing transportation to

Traditional Books are Alive and Well Publishers and traditional readers alike have long been worried about the rise of electronic books as sales of Amazon’s Kindle and other devices have grown, but their concerns may have been at least somewhat overblown.

New studies suggest that the growth of e-book sales is leveling out—and possibly declining.

According to the Chicago Tribune website, during the first nine months of 2016, e-book sales dropped

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by 18.7 percent compared with the same period a year earlier.

On the other hand, hardcovers, paperbacks, and audiobooks did not suffer a similar decline.

In the same timeframe, e-books’ share of the total market fell to 17.6 percent from 21.7 percent. In addition, sales of hardcover books in 2016 outpaced e-books for the first time in five years.

Don’t panic—books don’t look like they’re being replaced any time soon. www.50plusLifePA.com

Volunteer Spotlight YCAAA Recognizes 4 Volunteers For their service and you get more than you give, dedication to York’s older knowing that you helped adults, Mary Griffin, someone to better their Cheryl McDowell, Mary situation.”

Ann Spontak, and Holly Spontak, of Newberry DeVries are York County Township, also volunteers as Area Agency on Aging’s an APPRISE counselor. volunteers of the month.

“There is a huge amount Mary Ann Griffin, of Spring Garden of sales and marketing Spontak Township, volunteers by material about Medicare providing general office plans, which can be assistance, serving on the overwhelming,” Spontak banquet and volunteer-ofsaid. “As an APPRISE the-month committees, counselor, I can provide and with special events. individuals with information Her mother was a volunteer about Medicare plans that for YCAAA, and Griffin is not sales oriented, and decided to follow in her because we meet one on Mary Griffin one, the information is footsteps after reading an article in the local customized to their personal newspaper. needs and preferences.

“For many years I worked “Volunteering provides in restaurants and truly an opportunity to meet enjoyed being around new people and to provide people,” Griffin said. “After information that can help retirement, I needed to find individuals make informed something to do to stay decisions.” busy, and volunteering is my DeVries, of Holly DeVries means of giving back to the Springettsbury Township, community.” currently serves as an McDowell, of York ombudsman and a friendly Township, decided to visitor. volunteer as an APPRISE “Working with people has counselor, while utilizing been my passion. Working her skills and knowledge of with aging individuals just Medicare from her previous made sense to me when work experiences and I retired,” DeVries said. background.

“Older adults have so much Cheryl “I’ve been volunteering knowledge and experience McDowell since I was 3 years old and and are a valuable segment come from a family of volunteers,” of our population, and I love being McDowell said. “My mother taught a part of their lives. Volunteering is me to never look down on another a meaningful activity, and I believe person because you have not walked we are all meant to do good for in their shoes. When you volunteer, someone else.”

Do you know a 50+ volunteer who gives selflessly to others? Tell us what makes him or her so special and we will consider them for 50plus LIFE’s Volunteer Spotlight!

Submissions should be 200 words or fewer and photos are encouraged. Email preferred to mjoyce@onlinepub.com or mail nominations to 50plus LIFE, Volunteer Spotlight, 3912 Abel Drive, Columbia, PA 17512.

www.50plusLifePA.com

GOOD HEALTH HAS NO AGE LIMIT!

We can help you shop your Medicare options.

The Annual Enrollment Period is here and we’re here to assist you. Now through December 7, you can make changes to your Medicare Advantage (Medicare Part C) or Medicare Prescription Drug Coverage Plan (Medicare Part D).

If you’re concerned about your choices and need some guidance, let’s get together for a FREE consultation to review the best Medicare options for you.*

BEN LAUSCH Health Benefits Specialist Members 1st Insurance Services (800) 283-2328, ext. 5245 (717) 795-5245 lauschb@m1stinsurance.org

*Insurance services are available to PA residents only.

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Dear Pharmacist

Nootropes Help You Think with Clarity Suzy Cohen

In recognition of Alzheimer’s Disease Awareness Month, this month’s column will focus on natural remedies that support brain health and memory.

Keep in mind that if there is anything you want to try, first ask your physician if it’s right for you.

I am not a doctor, and besides, individual response varies.

Now, for some intelligent, brainloving options, all available at health food stores nationwide (and possibly in your garden!): Lion’s Mane This is a medicinal mushroom, not an animal-derived furry ingredient. It is classified as a nootrope. Have you ever heard of that word before?

Nootropics (“noah-trope-icks”) are defined as substances that

particular memory compound called acetylcholine.

Bacopa blocks acetylcholinesterase (which breaks down acetylcholine), and acetylcholine is a highly desired neurotransmitter!

Photo by J.M. Garg

Bacopa Monnieri

November is National Alzheimer’s Disease Awareness Month can improve cognitive function.

Nootropic substances, whether they are medications or supplements, simply contain supportive nutrients that will help you maintain optimal

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Bacopa Monnieri There is a gorgeous white flower that is a nootropic herb. It helps you maintain optimal brain function due to its strong, protective effect on one

If your practitioner approves of these gentle remedies, you could certainly try them independently, or you can find multitasking formulas that contain these as well as other key nutrients and amino acids.

Just be careful because some nootropic supplements are dangerous and, in fact, some are not supposed to be on the market anymore. Buy from trusted brands and companies.

It’s completely within your rights to ask for a company’s “certificate of analysis” for purity and heavy-metal testing. If they don’t provide that document to you, run.

This information is not intended to diagnose, prevent, or treat your disease.

For more information about the author, visit SuzyCohen.com

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brain function.

Lion’s mane is known botanically as Hericium erinaceus, and it possesses well-known regenerative effects.

There’s an active ingredient in lion’s mane mushroom that promotes the growth of nerve cells in the brain.

When you grow new nerve cells, it’s helpful, right?

Nootropes are the way of the world, and even kids know about them because on the street, they are termed “smart pills.” Some college kids like nootropic supplements to help them get through finals and exams.

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Gotu Kola (Centella asiatica) Gotu kola, commonly called pennywort, contains compounds that support neurotrophin secretion.

Brain-derived neurotrophic factor, or BDNF, is the most well studied of the neurotrophins. It helps maintain brain integrity and signals nerve cells to survive and differentiate. Gotu kola seems to help with mental fatigue.

November 2017

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Convenient print edition plus extensive online access.

Discover support and services available to meet challenges you may encounter as a senior, as someone who is caring for an older loved one, or a person with a disability.

www.ResourceDirectoryPA.com www.50plusLifePA.com

York County Seniors Find Much to See and Do at 50plus EXPO

By Megan Joyce One part entertainment attraction, one part informational resource, with a helping of health and a dash of community fair—these unusual “ingredients” blend to create the unique atmosphere at the York County 50plus EXPO, held recently at the York Expo Center.

The free, one-day event, which provides information and resources for the area’s 50+ community, was presented by OLP Events, the events division of Central Pennsylvania-based On-Line Publishers, Inc. More than 90 exhibitors displayed products and services for travel, housing, medical services, nutrition, home improvements, finances, and healthcare.

“I came to see what’s available for me now that I’m a senior citizen— organizations that cater to adults my age,” Joe Labant, of Wrightsville, said.

“It wakes me up … It’s information that I wouldn’t know [to look for].

I may go online, but I’m still from that generation that likes to see it in person.”

The Health & Wellness Area, sponsored by WellSpan, included ongoing, free screenings for stroke risk, posture, blood pressure, joint pain, skin cancer, hearing, and more, as well as free seminars on treatment options for joint pain and information on pelvic floor disorders.

Linda Wildasin, from Spring Grove, sat down for a skin-cancer facial screening that used black light to detect skin damage.

“The sun does damage to the skin, of course, and I used to love lying in the sun when I was young,” Wildasin said, “but I must have good genes because I’m OK.” Visitors also had the option of attending additional free seminars that covered identity and asset protection; changing nutritional needs; and nonoperative treatment options for neck and back pain.

Kmart provided flu shots to visitors on a first-come, first-served basis.

Falls Free York, an area dedicated to fall prevention, returned to the York County 50plus EXPO. Organized by the York County Area Agency on Aging and local businesses and organizations, Falls Free York encouraged visitors to assess their own risk of falling and learn about falling hazards in the home.

Area staff offered gait/balance screenings, cane and walker checks, exercise demonstrations, medication reviews, and more.

EXPO first-timers and sisters-in-law Sharon Kahlbaugh and Peggy Williams were overflowing with enthusiasm for the event. After having their photo taken near the event signage, they made a thorough sweep of Falls Free York, taking special advantage of the balance tests offered.

“I thought, ‘What better place to get it all at once?’” Kahlbaugh said of www.50plusLifePA.com

the EXPO’s information and resources. “She (Williams) and I can sit and talk about this, about not remembering things, about it being hard to get up or hard to get started after you’ve been sitting for a while … if you [report] those things to your doctor, you can’t list them all. But they’re all listed here.

“I’m so excited. I wish my husband could’ve taken the day off. And it’s so well laid out,” Kahlbaugh added.

The day’s entertainment and presentations began with Heritage Hills Athletic Club’s interactive sampling of exercise classes for adults over 50.

Using small hand weights, fitness instructors Meghan Gray and Lisa Schreiber led their “senior squad” of fitness enthusiasts through a series of aerobic exercises and whole-body movements designed to improve balance, flexibility, and muscle strength.

For his safety and self-defense demonstration, Ken Eberle with Kentao Martial Arts/JKD Self-Defense discussed the importance of remaining alert while in public and demonstrated gross-motor defensive movements.

“You have a legal, an ethical, a moral right to life, which entails a right to protect yourself from harm. It’s natural,” Eberle said. “No one has the right to physically harm you.”

Finally, PK Dennis, from Penn State Master Gardeners, showed EXPO visitors how to create fall container gardens using plants and flowers beyond the common geraniums and mums.

“I’m glad they have these [EXPOs],” Labant said. “It’s hard to transition from what you thought retirement was going to be to what it is.”

OLP Events’ 50plus EXPOs will return in spring 2018. For more information, call (717) 285-1350 or visit www.50plusExpoPA.com.

Brought to you by:

YORK COUNTY

Principal Sponsor:

Visitor Bag Sponsor: OSS Health

Health & Wellness Sponsor:

Seminar Sponsor: Bellomo & Associates

Community Outreach Sponsor: Homeland Center

Supporting Sponsors: Menno Haven Retirement Communities • Misericordia Nursing & Rehabilitation Center UPMC for Life • UPMC Pinnacle Memorial • Vibra Health Plan Media Sponsors:

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Giving From the Heart Donation Options for Nonprofit Giving dollars are going directly to work for a cause they believe in. They can see tangible results of their giving during their lifetimes.

Outright gifts also provide most donors with the full measure of tax deduction and tax avoidance for which they qualify.

Interested in making a donation to a nonprofit?

The following are the four primary methods donors use to support causes they value while adding meaning and purpose to their own legacies.

1. The Outright Gift. If you write a check, give some clothing, or transfer some stock to a nonprofit, you are making an outright gift. This is by far the most popular way for donors to give to nonprofit organizations.

Nonprofits love the outright gift because it provides resources they can put to use immediately, a critical need for most.

In addition, this method typically has low overhead costs and few administrative complications, financial liabilities, or requirements for specialized staff training.

Donors tend to choose the outright gift because it is easy to understand and appropriate for gifts of any size to nonprofits of any size.

The outright gift also brings donors the satisfaction of knowing that their

2. The Bequest (and beneficiary designations). Donors can create a bequest by putting a paragraph of instructions in their will.

They can accomplish much the same result by adding the name of their nonprofit to their IRA or life insurance policy beneficiary form. At the end of the donors’ lives, the designated nonprofits receive these gifts as specified.

For many donors, the most important advantage of a bequest is that it allows them to retain their assets until the end of their lives—ensuring their funds’ availability should they need these assets to meet unexpected crises.

Donors also like the bequest because it can be kept confidential. This

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is important for those who wish to remain anonymous and not become candidates for ongoing fundraising efforts. Many donors like the idea that they can easily change their bequests should their area of primary interest change.

For the small percentage of donors whose estates may be subject to estate taxes, the bequest by will is an effective way to reduce such taxes. This option works for any amount of money. Because IRA funds that remain in a donor’s estate will likely be subject to a high income-tax rate, these funds also make tax-effective end-of-life gifts.

Bequests tend to be quite large. This is logical since, with a bequest, donors are freed from the sense of constraint they might feel in making a large gift during their lifetime.

Another advantage for both donors and nonprofits is that bequests typically entail no significant costs that might diminish the actual amount received by the nonprofit: If a donor bequests $25,000, the nonprofit will get $25,000.

Although bequests are not tax deductible during the donor’s lifetime, for many donors, the advantages often override this tax-deduction disadvantage.

3. Life Income Gifts. The two most common options for life income gifts are the charitable gift annuity and the charitable remainder trust.

Life income gifts are simple in concept. The donor gives money or another asset to the nonprofit today, and the nonprofit owns and manages this money until the donor’s death, while paying out an annual fixed payment (typically) to the donor or a designated beneficiary.

With CGAs and CRTs, the nonprofit gets the funds that remain after the donor’s death. As logic would suggest, the more financial benefit the donor gets, the less benefit the nonprofit gets.

Life income gifts are typically deferred gifts. With some exceptions, the nonprofit gets to spend the money only after the donor’s death. With very few exceptions, the donor cannot change the arrangement once it has been made.

The CGA is relatively straightforward; it is more complicated than a bequest, but simpler than a gift trust. The arrangement is bound by a simple contract.

The payout is guaranteed by the assets of the nonprofit.

The donor gets a tax deduction at the time the gift is made, based on the true gift amount of the asset—but not on the portion that is slated to be returned to the donor as part of the lifetime payout.

Many donors like the CGA. They are pleased that their cash flow will increase and that they will have guaranteed income for life. They will typically enjoy an immediate (although partial) tax deduction, and their nonprofit will get whatever money is left over when they die.

Gift trusts (CRTs and their many variations) and other split-interest instruments are not simple.

Because these trusts represent a world of technical complexity, with many variations and exceptions, a detailed exploration of them is best left to those who might feel these options are appropriate for their situations. The adviser community can provide a wealth of information on these arrangements and on the full range of split-interest gift techniques.

A gift trust may be the right method when a potential donor has a strong charitable intent, is without heirs who need an inheritance, and has significant assets tied up in an illiquid property that does not generate enough (or any) income.

A gift trust might provide the donors with a significant increase in income while providing the charity of their choice with a greatly enhanced gift, given that capital gains and estate tax “savings” would go to the nonprofit in the form of a larger gift, rather than to the IRS as a tax payment.

Gift trusts are often proposed at minimum levels of $100,000 or even lower.

The minimums at many commercial-trust companies, however, are in the $250,000–$400,000 range.

4. The Family Foundation. A family foundation is a separate financial entity established to hold, manage, and distribute gifted assets. It is the most complex means of giving, somewhat akin to managing a small business. It lets the donor establish a legacy that will remain in perpetuity. www.50plusLifePA.com

People also set up foundations to provide a learning and relationshipbuilding experience for family members.

Some donors like that the family foundation lets them retain a high degree of administrative control, but others may not enjoy that level of involvement.

The family foundation carries with it the responsibility to adhere to a large body of government regulations.

With a family foundation, the donated assets remain intact and generally grow over time. Annual distributions are made over time, generally at a minimum level of 5 percent of trust assets per year.

Source: Robert Livingston, Colorado Planned Giving Roundtable

Questions for Donors to Ask Themselves • W hat are my values and objectives? What causes do I feel strongly about? What do I want to accomplish with my giving? What giving methods can best help me achieve my charitable goals?

• W hen do I want to give money— now or at the end of my life?

• W hen do I want my nonprofit to be able to spend the money that I give—now or at the end of my life?

• How engaged in the process do I want to be? Am I comfortable with more paperwork, more tax forms, and more consultations with my lawyer, accountant, and financial advisor? Or would I prefer to just give money to a cause that I believe in (now or at my death) as simply and economically as I can?

• Do I seek to gain financial advantage by giving money away?

Do I look to my nonprofit for advantageous financial products?

• W hat true net advantage is there to me (or to my nonprofit) in giving away money through one of the more complex methods as compared with the outright gift and the bequest?

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Calendar of Events

York County

Community Programs/Support Groups Free and open to the public Wednesdays starting Nov. 1, 9:30 a.m. to noon Six-week Chronic Disease Self-Management Program York County Area Agency on Aging Windy Hill on the Campus 1472 Roth’s Church Road, Spring Grove (717) 225-0733 Nov. 3, 10:30 a.m.

Partners in Thyme Herb Club of Southern York County Glenview Alliance Church 10037 Susquehanna Trail, Glen Rock (717) 428-2210

Nov. 7, 7 p.m.

Surviving Spouse Socials of York County Faith United Church of Christ 509 Pacific Ave., York (717) 266-2784 Nov. 21, 7-8 p.m.

Alzheimer’s Support Group Providence Place 3377 Fox Run Road, Dover (717) 767-4500

Nov. 6, 9:30 a.m.

Green Thumb Garden Club Meeting Emmanuel Lutheran Church 2650 Freysville Road, Red Lion (717) 235-2823

If you have an event you would like to include, please email information to mjoyce@onlinepub.com for consideration.

Parks and Recreation Nov. 15, 6:30 p.m. – Nature and Environment Book Club, Nixon County Park Nov. 25, 11 a.m. and 1 p.m. – Birds of Prey Day, Nixon County Park Nov. 28, 9:30 a.m. to 12:30 p.m. – Nixon Holiday Decorating, Nixon County Park

Senior Center Activities Crispus Attucks Active Living Center – (717) 8483610, www.crispusattucks.org Delta Area Senior Center, Inc. – (717) 456-5753 Dillsburg Senior Activity Center – (717) 432-2216 Eastern Area Senior Center, Inc. – (717) 252-1641 Golden Connections Community Center (717) 244-7229, www.gcccenter.com Weekdays, 9 a.m. – Games Tuesdays and Wednesdays, 10 a.m. – Pinochle Fridays, 9:15 a.m. – Computers 101 Golden Visions Senior Community Center (717) 633-5072, www.goldenvisionspa.com Heritage Senior Center, Inc. – (717) 292-7471, www.heritagesrcenter.org Northeastern Senior Community Center (717) 266-1400, www.mtwolf.org/SeniorCenter Red Land Senior Center – (717) 938-4649 www.redlandseniorcenter.org September House – (717) 848-4417

Collinsville Community Library, 2632 Delta Road, Brogue, (717) 927-9014 Tuesdays, 6-8 p.m. – Purls of Brogue Knitting Club

South Central Senior Community Center (717) 235-6060, http://southcentralyorkcountysrctr.webs.com Mondays, 10:15 a.m. – Sweatin’ to the Oldies Exercise Tuesdays, 9 a.m. – Watercolor Art Class Nov. 8 , noon to 2:15 p.m. – Medicare Annual Enrollment Event (Preregistration Required)

Dillsburg Area Public Library, 17 S. Baltimore St., Dillsburg, (717) 432-5613

Stewartstown Senior Center – (717) 993-3488, www.stewsenior.org

Library Programs Arthur Hufnagel Public Library of Glen Rock, 32 Main St., Glen Rock, (717) 235-1127

Dover Area Community Library, 3700-3 Davidsburg Road, Dover, (717) 292-6814 Glatfelter Memorial Library, 101 Glenview Road, Spring Grove, (717) 225-3220 Mondays, 6-8 p.m. – Knitters Group Guthrie Memorial Library, 2 Library Place, Hanover, (717) 632-5183 Kaltreider-Benfer Library, 147 S. Charles St., Red Lion, (717) 244-2032 Kreutz Creek Valley Library Center, 66 Walnut Springs Road, Hellam, (717) 252-4080 Martin Library, 159 E. Market St., York, (717) 846-5300 Mason-Dixon Public Library, 250 Bailey Drive, Stewartstown, (717) 993-2404 Paul Smith Library of Southern York County, 80 Constitution Ave., Shrewsbury, (717) 235-4313 Red Land Community Library, 48 Robin Hood Drive, Etters, (717) 938-5599 Village Library, 35-C N. Main St., Jacobus, (717) 428-1034

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Susquehanna Senior Center – (717) 244-0340, www.susquehannaseniorcenter.org Mondays, 9:30-10:30 a.m. – Chorus Practice Tuesdays, 6-10 p.m. – Bluegrass/Country Music Jam Session White Rose Senior Center – (717) 843-9704, www.whiteroseseniorcenter.org Windy Hill On the Campus – (717) 225-0733, www.windyhillonthecampus.org Mondays and Thursdays, 12:30 p. m. – Yoga 101 Beginner Class Thursdays, 10 a.m. – Pickleball Nov. 7, 10 a.m. – Special Veterans Recognition Program Yorktown Senior Center – (717) 854-0693 www.yorktownseniorcenter.org Just a snippet of what you may be missing … please call or visit their website for more information. www.50plusLifePA.com

Puzzle Page

CROSSWORD

Solutions for all puzzles can be found on page 20

Across SUDOKU

1. Stinging insect 5. Role play 10. Equal 14. Toward shelter 15. Morning prayers 16. ____ Godiva 17. Bellow 18. Zodiac sign 19. Exhort 20. Aerie 21. Common contraction 22. Kinsman 24. Grotesque 26. Scare word 27. Explosive

30. Gr. letter 33. Looney Tunes coyote 37. Food, e.g.

39. Veneration 41. Actress Jillian 42. Succeed 43. Curtain 46. Genetic material 47. Raiment 48. Adder 49. Young bird 51. Footfalls 54. Yes 56. In what place 57. Water (Fr.)

59. Ancestry 61. Defects 63. Newspaper workers (abbr.)

64. Chafes 68. Lager 69. Inn 71. Foresaw 72. And others (Lat.) 73. Delete 74. Thought 75. Sunburns 76. Catches oneâ&#x20AC;&#x2122;s breath 77. Curious

25. Precious metal 27. Salamanders 28. Moron 29. Shade 31. Euphoric 32. Be obliged 34. Scoop 35. Central 36. Maternal 38. Geological period 40. Before (poet.)

44. King of Judah 45. Gape 50. Pickle

52. Gems 53. Adage 55. Firstborn 58. Guide 60. Man and Wight 61. Gr. cheese 62. Skinny 63. Gr. letters 65. Change 66. Social affairs 67. Rock 68. Wager 70. Mineral

Down 1. Alert 2. Burn balm 3. Oceans 4. Vex 5. Spam medium 6. Thomas a Becket, e.g.

7. Elevator man 8. Dead heat 9. Result 10. Feisty 11. Above a viscount 12. Boundary 13. Cereal grass 23. Current

Your ad could be here on this popular page!

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Savvy Senior

Jim Miller

Elder Mediation Can Help Families Resolve Caregiving Conflicts

for years to help But don’t confuse divorcing couples this with family or group therapy. sort out legal Mediation is only and financial about decisiondisagreements and avoid court making, not feelings and emotions. battles, elder care The job of an mediation is a elder mediator is to relatively new and step in as a neutral specialized service third party to help designed to help Dear Bickering, ease family tensions, families resolve It’s not unusual when adult disputes that are listen to everyone’s children disagree with each other concerns, hash out regarding the care of an elder parent. related to aging November is National parents or other If your siblings are willing, a good Family Caregivers Month disagreements and misunderstandings, possible solution is to hire an “elder elderly relatives. and help your family Family care mediator” who can help you disagreements over an ill or elderly make decisions that are acceptable to work through your disagreements everyone. parent’s caregiving needs, living peacefully. Here’s what you should arrangements, financial decisions, and Good mediators can also assist know. your family in identifying experts medical care are some of the many issues that an elder care mediator can such as estate planners, geriatric Elder Mediation care managers, or healthcare or help with.

While mediators have been used financial professionals who can supply important information for family decision making.

Your family also needs to know  that the mediation process is  completely confidential and voluntary, and it can take anywhere from a few   hours to several meetings depending   on the complexity of your issues.       And if some family members     live far away, a conference or video    call can be used to bring everyone together.  If you’re interested in hiring a      private elder care mediator, you can Dear Savvy Senior, Are there any services that you know of that help families resolve caregiving conflicts? My mother—who just turned 82—recently had a stroke, and to make matters worse, my two siblings and I have been perpetually arguing about how to handle her caregiving needs and finances. – Bickering Siblings

Finding a Mediator To locate an elder mediator, start by contacting your area agency on aging—call (800) 677-1116 to get your local number—which may be able to refer you to local resources, or search online at Mediate.com.

Another good option is the National Association for Community Mediation website (www.nafcm.org), which can help you search for free or low-cost, community-based mediation programs in your area.

Unfortunately, there is currently no formal licensing or national credentialing required for elder mediators, so make sure the person you choose has extensive experience with elder issues that are similar to what your family is dealing with.

Also, be sure you ask for references and check them. Most elder mediators are attorneys, social workers, counselors, or other professionals who are trained in mediation and conflict resolution.

Jim Miller is a regular contributor to the NBC Today show and author of The Savvy Senior Book. www.savvysenior.org

Puzzles shown on page 19

Puzzle Solutions

 

expect to pay anywhere from $100 to more than $500 per hour depending on where you live and whom you choose. Or, you may be able to get help through a nonprofit community mediation service that charges little to nothing.

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www.50plusLifePA.com

Social Security News

‘Wounded Warriors’ Site Supports Veterans

By John Johnston

Social Security’s expedited process is available Supporting veterans and active-duty members to military service members who become disabled of the military is a key part of Social Security’s mission. Our disability program has helped while on active military service on or after Oct. 1, 2001, regardless of where the disability occurs. countless wounded warriors and their loved ones.

Even active-duty military who continue to Every Veterans Day, the nation collectively receive pay while in a hospital or on medical leave honors the brave people who risk their lives to protect our country. should consider applying for disability benefits if they’re unable to work due to a disabling For those who return home with injuries, Social Security is a resource they can turn to for condition. Active-duty status and receipt of military pay doesn’t necessarily prevent payment of disability benefits. Social Security’s Wounded Social Security disability benefits.

Warriors website is www.socialsecurity.gov/ Although a person can’t receive Social Security woundedwarriors. disability benefits while engaging in substantial The Wounded Warriors website has answers to many commonly asked questions and provides work for pay or profit, receipt of military payments Veterans Day is Nov. 11 should never stop someone from applying for other useful information about disability benefits, including how veterans can receive expedited disability benefits from Social Security.

You can learn more by visiting our veterans page processing of disability claims. at www.socialsecurity.gov/people/veterans.

Benefits available through Social Security are different from those available from the Department of Veterans Affairs; they require a separate application.

John Johnston is a Social Security public affairs specialist.

About Our Company For more than 20 years, On-Line Publishers, Inc. has celebrated serving the mind, heart, and spirit of the 50plus community of Central Pennsylvania.

Our corporate office is located outside Columbia, Pa.

Publications

50plus LIFE is a monthly newspaper touching on issues and events relevant to the 50+ community.

The Resource Directory for the Caregiver, Aging, and Disabled is published annually in distinct county editions with information from local businesses and organizations that meet the needs of these groups.

50plus Living, an annual publication, is a guide to residences and healthcare options for mature adults in the Susquehanna and Delaware valleys.

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It features profiles of local executive women who are an inspiration to other professionals. Lifestyle and wellness articles are also included to round out the publication and address the many facets of a woman’s life.

All publications are available in print and digital formats.

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OLP Events, our events division, produces six 50plus EXPOs annually in Chester, Cumberland, Dauphin, Lancaster (two), and York counties.

Entrance to the event, health screenings, and seminars held throughout the day are free to visitors.

The women’s expo is a oneday event featuring exhibitors and interactive fun that encompass many aspects of a woman’s life. In 2018, women’s expos will be held in Hershey in the spring and in Lebanon, Lancaster, and Carlisle in the fall.

OLP Events presents the Veterans’ Expo & Job Fair, a free, two-part event that takes place in York and in Wyomissing in the spring, in the Capital Area in late summer, and in Lancaster in the fall. The Veterans’ Expo connects active and retired military members and their families with benefits, resources, and employers.

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Older But Not Wiser

50plus LIFE just earned 4 Media Awards!

1st Place

Division C Profile “Suspense Author Rewrites ‘Retirement’”

by Megan Joyce

1st Place

Division C Annual Directory

3rd Place

3rd Place

Division C General Excellence

Division C Profile “Get ‘Caught’

by Bluebirds”

by Megan Joyce

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The Spin Sy Rosen

After listening to politicians for the past year, I realized something very important: I should stop listening to politicians.

However, they are good at one thing—spinning. Making everything sound better than it really is.

Well, maybe it’s time we seniors get in on the spin bandwagon. We’ve all heard the spin that wrinkles are really “wisdom lines.” I want to take this to the next level.

One image of seniors is that we constantly repeat ourselves. I suggest we spin this by saying we are simply “reinforcing our ideas” (mostly to people who are not smart enough to understand what we are saying the first time).

Unfortunately to many, a walker is a symbol of our declining years. We can change this impression by calling it a “self-powered mobility device.”

As we get older, we are subject to shrinking, about 1-2 inches in height.

However, if we spin “shrinking” to “downsizing,” we are strongly implying that it’s something we want to do. Many people across the country are happily moving into smaller homes. Well, we’re happily moving into smaller bodies. And it doesn’t hurt that “downsizing” is a current term (by “current” I mean about 30 years old).

“Early-bird dinner” has become a punch line for getting older. We will now call it a “late lunch.” And it’s nobody’s business that our next meal is an early breakfast.

As we get older, we go to the bathroom several times a night. We should spin these bathroom excursions and call them “evening aerobics.”

Reading the obits has become an obsession as we age. We want to make

sure nobody we know is in the obits and, more important, that we’re not in there. Instead of “checking the obits,” I now call it “longevity data research.” It gives a scientific flair to our obsession.

As we age, many of us get a “turkey neck.” This is not a flattering description, so I suggest we call it a “flap app.” OK, this really makes no sense, but by using “app” we are giving it a youthful spin. And it helps that it rhymes—we are now joining the ranks of rappers.

Large-print books are also associated with getting older. I suggest we call it “extreme lettering.” By using the word “extreme,” we’re getting in on the extreme sports culture of our country.

Another stereotype of getting older is that we are forced to be alone, feeling depressed. Let’s change this image of solitary unhappiness by calling it “The Garbo.” Greta Garbo famously said, “I want to be alone.”

Yet another symptom of getting older is loss of hair. We should stop using the negative word “bald” and start calling our shiny scalp “skin bling.” The word “bling” indicates we are kind of hip (if “hip” is still a hip word).

Another stereotype is that we live in the past, thinking of days gone by. By spinning this and calling us “time travelers,” I’m giving us a sci-fi aura. And time traveling doesn’t have to mean that we actually go there physically—we can go there mentally.

Right now I am thinking I am 16 years old. Oh man, I’m getting a pimple.

I would write more, but I feel like taking a nap. I mean, a “mental power regenerator.” www.50plusLifePA.com

Such is Life

For All of Us Worriers

New Device Stops a Cold

Saralee Perel

My eyes are bleeding.

I was at my yearly, routine eye exam when my doctor said, â&#x20AC;&#x153;Thereâ&#x20AC;&#x2122;s bleeding around your retina in your left eye.â&#x20AC;?

I panicked and cried, â&#x20AC;&#x153;What causes that?â&#x20AC;?

She didnâ&#x20AC;&#x2122;t know and referred me to a retina specialist.

I had to have a complete physical, a ton of bloodwork, a heart ultrasound, an EKG, and an ultrasound of my carotid arteries. The first thing that was ruled out was hypertension.

In constant worry, I thought, â&#x20AC;&#x153;What if itâ&#x20AC;&#x2122;s my heart?

What if I need eye surgery?â&#x20AC;?

Then I reached the bottom line: â&#x20AC;&#x153;What if Iâ&#x20AC;&#x2122;m going to die?â&#x20AC;?

At my next appointment, the bleeding had gotten worse in my left eye and had spread to my right eye as well. Times between visits took months. I spent a chunk of my life lost in darkness.

Iâ&#x20AC;&#x2122;ve spent so many chunks of my life uselessly ruminating that sometimes I think Iâ&#x20AC;&#x2122;ve lived most of my life that way. I make up scenarios, even when nothing is wrong. I vividly envision my husband, Bob, in a car crash. I â&#x20AC;&#x153;seeâ&#x20AC;? him in the emergency room. I wonder who Iâ&#x20AC;&#x2122;d call first.

My friend is a â&#x20AC;&#x153;think positivelyâ&#x20AC;? person. When I told her about my eye, she said, â&#x20AC;&#x153;Everything will be fine.â&#x20AC;?

I said, â&#x20AC;&#x153;You donâ&#x20AC;&#x2122;t know that.â&#x20AC;?

You see, thatâ&#x20AC;&#x2122;s never a given. But blindness isnâ&#x20AC;&#x2122;t a given either.

So, what is the answer when I donâ&#x20AC;&#x2122;t know what will happen? Hope.

My bottom-line cure to www.50plusLifePA.com

preoccupied thoughts is not thinking positively or negatively in the first place. I developed a new motto: â&#x20AC;&#x153;Just for today, no negative thoughts.â&#x20AC;?

I must say that to myself 100 times a day. The negative thoughts still almost constantly come, but each time they do, I catch myself and say the motto.

I say it not just about the big things, like fires, accidents, or bleeding eyes, but for all those streaming, pestering thoughts like, â&#x20AC;&#x153;My pants are a little tight.â&#x20AC;?

And so, instead of picturing myself blind, I think, â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;m grateful for, right now, having such a loving husband whoâ&#x20AC;&#x2122;s my best friend.

Iâ&#x20AC;&#x2122;m grateful for, right now, my beloved pets, a computer that is working, my home, the honor of communicating with my readers each month.â&#x20AC;?

I may not have these things tomorrow, but I do now. And â&#x20AC;&#x153;nowâ&#x20AC;? is the only thing I truly know.

As I write this column, I still donâ&#x20AC;&#x2122;t know why my eyes are bleeding. Yet, Iâ&#x20AC;&#x2122;m choosing not to spend every day filled with â&#x20AC;&#x153;what ifâ&#x20AC;? thoughts.

The time will go by between now and my next appointment, no matter how I think. If I get dreadful news, Iâ&#x20AC;&#x2122;ll be devastated. But at least I wonâ&#x20AC;&#x2122;t have lost yet another big chunk of my life.

With my new motto, each day has been sparkling.

Nationally syndicated, award-winning columnist Saralee Perel can be reached at sperel@saraleeperel.com or via her website: www.saraleeperel.com.

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50plus LIFE t

November 2017

23

Orange Spectacular!

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IC: �SH�N���

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