Senior Resource Guide - 2013

2013 Senior Resource Guide

Sponsored by:

Greenwood Memorial Park & Funeral Home A special supplement to the Kent Reporter and Renton Reporter

Greenwood Memorial Park & Funeral Home

P

roudly serving the community since 1910, Greenwood Memorial Park and Funeral home is changing to better accommodate your family’s funeral, burial or cremation needs.

We are always striving to serve you better. We have added the Garden of Harmony, the extension of our peaceful Southlawn Garden and the beautiful second phase of our Garden of Eternal Peace. We offer a serene ambience where families come to pay their respects.

350 MONROE AVE. NE, RENTON, WA 98056 | 425.255.1511 WWW.GREENWOODMEMPARK.COM 2

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

889294

Medicare Advantage usage is growing!

MARK HERMILLER, BROKER, PEAK ADVISORS www.peakadvisors.net • 425-235-0877 If we used football scoring to track the progress of healthcare reform, this would be the moment to declare: Touchdown…Advantage!

Obamacare opponents have been warning for several years now that Medicare Advantage, the private plan option, that seniors can pick instead of traditional fee-for-service Medicare, would fail because of the healthcare law’s impact on the program. The prediction was that the gradual elimination of extra federal reimbursements to Medicare Advantage would kill it. But the opposite is happening.

Advantage plans, which combine Part A (hospitalization) Part B (outpatient services) and usually Part D (prescription drugs), are on a big-time roll. Enrollment has jumped an impressive 10 percent in each of the past three years, according to data compiled by the Kaiser Family Foundation (KFF), a non-profit healthcare research and policy organization. About 28 percent of all Medicare enrollees this year are in an Advantage plan. “The growth is remarkable, and no one anticipated it,” says Dan Mendelson, chief executive officer of Avalere Health, a healthcare consulting and research firm. “Advantage plans will be over 40 percent of the market soon.”

The growth of Advantage likely will shift into an even higher gear during the next few years following the launch of the state public insurance exchanges under the Affordable Care Act (ACA). Most are managed care plans - 65 percent are health maintenance organizations (HMOs) and 22 percent are preferred provider organizations (PPOs), according to KFF. Many of the top players in Advantage also will be marketing insurance in the exchanges and they will have ample opportunity to cross-market Advantage plans to older users of exchange products as they transition to Medicare.

Savings on premium costs are a big driver of Advantage plan growth. Enrollees pay their regular Part B premium, which is$104.90 this year. The Advantage plans also can charge a supplemental premium, but many don’t. This year, 55 percent of enrollees are in plans with no extra premium, and two-thirds of HMO Advantage

although most plans cap cost-sharing at much lower levels. The average out-of-pocket cap in Advantage plans this year is $4,317 and half of enrollees are in plans capped at or below $3,900, KFF reports.

Traditional Medicare, by contrast, has no cap, but if you have Medigap, many out-of-pocket charges such as copays are covered.

Choosing between Advantage and traditional Medicare boils down to a bet on your health prospects when you first enroll in the program, usually at age 65. You also can switch between fee-for-service and Advantage during Medicare’s annual fall enrollment period.

If you are inclined to take traditional Medicare, there is an advantage to picking it when you first enroll because the Medigap policy won’t be able to exclude you for any pre-existing condition or charge a higher premium due to any past health problems. Depending on your state, you might have trouble getting a Medigap policy, or have to pay more, if you try to get a policy past that point.

And what about those reimbursement cuts? Before the ACA, Medicare Advantage plans were reimbursed by the federal government at 114 percent of regular Medicare rates, a payment scheme that was put in place to stimulate the Advantage market.

The ACA reduces them by $116 billion over a period of years, ultimately equalizing reimbursements with traditional Medicare.

plan members pay nothing extra, KFF says. That means Advantage participants do not pay standalone premiums for prescription drug coverage, averaging $30 per month this year. They also are not paying for Medigap supplemental plans, which are popular in traditional Medicare and cover deductibles and coinsurance for long hospital stays and outpatient services, and help lower out-of-pocket costs.

Prices vary, but it’s not uncommon to find monthly Medigap premiums around $200. (Medigap is not sold with Advantage plans.)

NO FEAR OF MANAGED CARE Advantage plans also are gaining because the baby boomers coming into the Medicare system are accustomed to managed care. “The next generation of Medicare enrollees were in the workplace during the managed care revolution of the 1990s, so they’re more used to care networks and rules,” says Joe Baker, president of the Center for Medicare Rights, a non-profit consumer service organization.

Mendelson takes that one step further, arguing that seniors are losing patience with traditional fee-for-service healthcare. “Our survey work shows a growing level of frustration with the fee-forservice approach,” he said. “Patients see a system that lacks coordination of care and quality metrics. They sense that doctors have less and less time to take care of patients.”

Under Obamacare, fee-for-service providers are encouraged to band together into Accountable Care Organizations (ACOs), which aim to coordinate care. But ACOs still are in the experimental stage.

So the rapid growth of Advantage leaves an open question: Is a private managed care plan good for everyone on Medicare? The savings on premiums are an important plus for healthy seniors, since their overall usage of care will be low and out-of-pocket costs will be minimal. Baker urges less-healthy seniors to proceed with caution.

“If you’re a relatively healthy 65-year-old who goes to the doctor once a year, you will save some money on premiums,” Baker says.

“But costs can escalate if you get sick.”

That’s because Advantage plan members have exposure to potentially high out-of-pocket costs if they use a lot of healthcare. Federal regulation caps their annual out-of-pocket spending at $6,700,

Serenity Harbor Adult Family Home is an excellent caregiving facility with loving staff and a serene environment Serenity Harbor AFH in Renton, WA provides perfect conditions to feel love, support, and peaceful mind set.

The provider, Lora R, is a fully trained health care provider.

She strives to help and make each resident feel at home.

Bright and spacious, the house is located in an upscale neighborhood with safe access to the outdoors.

www.serenityharbor.com

206-412-4724 We Accept Medicaid/Medicare And Private Pay

886944

RETIREMENT COMMUNITIES

|

HOME HEALTH SERVICES

for people who love

|

FOUNDATION

TM

life

At home in Puget Sound Look to Wesley Homes for communities where people

Wesley Homes Campuses:

encourage each other to stay active, keep learning and

Des Moines

live life to the fullest—with locations in Des Moines and Lea Hill in Auburn.

We make house calls Wesley Homes Home Health provides Medicare-certified

816 S. 216th St. Des Moines, WA 98198

206.824.5000 855.445.8827(toll-free)

therapies and licensed nursing care as well as private duty

Lea Hill

nursing, chore services and companionship. 866.850.5774

32049 109th Pl SE Auburn, WA 98092

Long-term nursing care or short-term rehab

855.445.8861 (toll-free)

Wesley Homes Health Center in Des Moines offers a wide

Visit us online at

wesleyhomes.org

array of supportive services and therapies to complement our quality nursing care. 206.824.3663

or join the conversation at

wesleyblog.org

Wesley Homes is a not-for-profit organization offering retirement communities and home health services for older adults. It is affiliated with the Pacific Northwest Conference of the United Methodist Church.

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

3

Caring for an Elderly Loved One?

Why Do I Need An Estate Plan?

HANIS IRVINE PROTHERO, PLLC ATTORNEYS AT LAW www.hiplawfirm.com

PEGGY QUALLS, COMMUNITY RELATIONS, WEATHERLY INN-KENT www.weatherlyinn.com

The demands of caring for someone with dementia extend around the clock, are physically demanding, and may be overwhelming. Devoted caregivers of aging parents with memory loss often need time to attend to other responsibilities, to travel, or to get some needed rest.

There are two programs in care communities that are able to provide the needed oversight of your loved one and peace of mind for you: Adult Day Stay and Respite Care. As the name implies, Adult Day Stay includes personal care, meals, and activities during the day in a secure and supportive environment. Respite Care provides the same services with the addition of overnight stays from one week to thirty days.

• Quality Adult Day Stay and Respite programs include services such as: • Assistance with activities of daily living • Meaningful programs and opportunities to socialize • Supervision in a safe environment to minimize the risk of wandering • Medication administration and limited nursing services • Delicious meals and snacks If this sounds interesting to you, contact a trusted memory-care community to find out more and make arrangements for a visit. Your family may find just what you have been needing.

MT. OLIVET CEMETERY SERVING ALL SOUTH KING COUNTY FOR OVER 100 YEARS

Complete Funeral Services FUNERAL SERVICE WITH CASKET

• Funeral Services • Serving All Cemeteries • Church or Graveside CALL

FROM

985

$

425-255-0323 24 HOURS

CREMATION ONLY

495

$

4

AMERICANMEMORIAL.ORG

898147

Mt. Olivet Crematory Dignified And Affordable We Accept All Prearrangements Insurance And Credit Cards

1-800-248-1745

POWER OF ATTORNEYS The two most common types of Power of Attorney are Finances/Legal Matters and Health Care. These give authority to your designee to act on your behalf while you are alive.

Power of Attorneys are Durable or Limited. Durable gives your designee full control immediately. Limited limits when the document is in effect (hence the name), typically when the

HEALTH CARE DIRECTIVES This document gives direction about the type of medical treatment you want in certain circumstances. It allows you to inform medical providers and loved ones of your desires in the event you are unable to do so at the time medical decisions are being made.

COMMUNITY PROPERTY AGREEMENT Typically, property a married couple acquires is considered community property, meaning each owns one-half of the property. A Community Property Agreement converts all property to community property, unless specified otherwise. It helps avoid a probate for a surviving spouse by passing all assets to the surviving spouse efficiently and inexpensively.

Estate plans are important to insure that you are taken care of through your life and that your estate is handled as you wish. At Hanis Irvine Prothero, we are committed to helping you prepare and understand these documents and other documents that may be beneficial to you and your loved ones as you plan for the future.

CHRISTINE TREMAIN, VP OF MARKETING & DEVELOPMENT FOR WESLEY HOMES www.wesleyhomes.org

STATE LICENSED CREMATORY

SERVING PUGET SOUND

WILL/TRUST This document designates who you want to inherit your property, what they are to receive, and who you want to administer your estate. Wills can also take care of other designations, such as burial requests.

A Will is important for parents with children. It can insure any funds a child inherits will be placed in trust until a certain age, while being used for living expenses. It can also allow parents to designate their recommended guardian subject to court approval.

designator is incapacitated, and can limit what authority your designee has.

Speak Up if You Are in Pain!

AMERICAN MEMORIAL ASSOCIATION FROM

“Why do I need an estate plan?” An estate plan gives you peace that your affairs are in order, reduces stress and uncertainty for your loved ones, and insures that your wishes are followed.

An Estate Plan typically includes the following:

Pain is a national health care crisis. It is our nation’s hidden epidemic.

According to the Institute of Medicine (IOM), approximately 100 million adults in the United States suffer from common chronic pain conditions.

The annual cost of chronic pain in the U.S. is estimated to be $560-635 billion, including health care expenses, lost income, and lost productivity. People who live with pain have a right to appropriate assessment and treatment of their pain.

While pain can affect anyone regardless of gender, race or economic status,

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

some people have difficulty getting adequate pain care. Women, certain ethnic groups and the elderly are more likely to be denied appropriate pain treatment.

People who suffer from pain and their loved ones need to speak with their health care professional and take an active role in managing their pain.

Pain can and should be treated. We all have a right to proper medical care.

For more information on how to best advocate for yourself or loved one regarding pain management, visit inthefaceofpain.com.

From rest homes to post-acute centers of rehabilitation:

Today’s skilled nursing facilities

At Radcliffe Place, You Can Afford to Leave the Chores Behind!

ALEX K. SHOCKEY AND ROGER MOORE, TALBOT CENTER FOR REHABILITATION & HEALTHCARE www.talbothealthandrehab.com • 425-226-7500

Modern 21st century skilled nursing facilities (also known as SNFs) arose from the existence of traditional nursing homes. Also previously called care homes, rest homes, and convalescent homes, today’s SNFs still serve as places for long-term care residents, especially for medically complex individuals requiring around the clock nursing care. However, in addition to providing long-term care, SNFs have become centers of rehabilitation for patients requiring post-acute care. Post-acute care is defined as care needed after discharge from a recent hospitalization.

Persons who fall under the post-acute care umbrella, are generally considered medically stable and no longer need acute, hospital services, but may not necessarily be strong enough or safe enough to be successful at their home in the community.

As a result, SNFs evolved to not only serve residents for long-term care, supportive needs, but also for short term rehabilitation. Services and disciplines that are considered rehabilitative include skilled nursing (ex: complex wound care from a surgery), occupational therapy, physical therapy, and speech-language therapy. A resident who receives these types of services

my be someone who’s recently had a hip or knee replacement and needs physical therapy to regain strength and mobility before going home. Another example could be a stroke survivor, who needs speech-languages services, perhaps to overcome cognitive and/or swallowing issues. All services and disciplines remain grounded in the same philosophy of practice: a commitment to caring.

Talbot Center for Rehabilitation & Healthcare, located near UW-Valley Medical Center, remains not only a leader of rehab and nursing services for Renton, but also the greater Seattle area. Talbot makes customer service and resident-centered goals and outcomes, it’s number one priority. Talbot aims to provide nursing and rehab services with comfort and amenities in mind. That’s why we offer both private and semi-private rehab suites, with no restrictions on visiting hours, as well as Wi-fi throughout our entire campus. If you are seeking nursing and rehabilitation services, it’s best to tour the facility campus and meet the staff prior to admission, so you can get a feel for the atmosphere and the quality of care provided.

It’s Almost Flu Season ANN AARHUS, RN AND CLINICAL DIRECTOR FOR WESLEY HOMES HOME HEALTH

www.wesleyhomes.org Flu season usually starts in October and lasts as late as May. During this time flu viruses are circulating in the population. During a regular flu season about 90% of deaths occur in people 65 and older. Obviously this includes most of our residents and some of our staff. The flu is also hard on anyone with chronic health conditions including respiratory problems and diabetes. The flu vaccine each year protects against three viruses that research indicates will be the most common. Recently I was asked about the vaccine that protects against 4 viruses.

Unfortunately this is only offered in a nasal spray and at this time only approved for healthy people between the ages of 2 and 49.

Located in Kent, WA, Radcliffe Place offers affordable apartments with the opportunity for meals and housecleaning – never worry about making dinner again! Spend your time relaxing in the game room, working out in the fitness center or laughing with friends in the tea house. t 1FU GSJFOEMZ t 3FTUBVSBOU TUZMF %JOJOH t -JGF &OSJDINFOU 1SPHSBN t 4DIFEVMFE 5SBOTQPSUBUJPO t "DUJWF NPOUIMZ DBMFOEBS

t )PVTFLFFQJOH BOE 'MBU -JOFO 4FSWJDF t %BJMZ $PODJFSHF 4FSWJDF t .PWJF 5IFBUFS 'JUOFTT $FOUFS t )BOEJDBQQFE BDDFTTJCMF VOJUT

Availability is limited.

Call TODAY! 253-220-6322

Who should not be vaccinated?

Anyone with a severe allergy to chicken eggs or has had a severe reaction to the vaccine in the past should not be vaccinated. If you currently have an illness with a temperature you should wait until you are healthy to receive the vaccine 2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

13510 SE 272nd St. Kent, WA 98042

253-220-6322 www.radcliffe-place.com

884118

5

CREATING BEAUTIFUL HEALTHY SMILES FOR THE WHOLE FAMILY

Planning for Incapacity JENNIFER C. RYDBERG, JD jenny@jcrlaw.com • www.jcrlaw.com • 425-235-5535

Mention this advertisement for…

FREE COMPREHENSIVE EXAM!

Applies to New patients upon completion of necessary x-rays & dental cleaning.

FREE Whitening Kit! $330.00 value Applies to New patients upon completion of necessary x-rays & dental cleaning.

$50.00 Off Major Services!

Saturday appointments available

Applies to New Patients upon completion of necessary x-rays & Dental cleaning.

Experienced long-term staff

One New Patient Special per patient please.

Advanced hygiene department Bridges, implants and crowns Root canal & oral surgery Nitrous Oxide Available Payment Plans Accepted Preferred with Most insurance Companies

Dr. Anna A. Danieli Family and Cosmetic Dentistry

COMPLETE DENTAL CARE FOR YOUR ENTIRE FAMILY. West View Building 1900 S. Puget Drive, Suite 102 Renton, WA 98055 425.228.1521 www.DANIELIDDS.COM www.facebook.com/Danielidds

885523

Anna A. Danieli, D.D.S.

Incapacity could happen to you.

Today, 13% of all adults reaching the age of 21 are incapacitated. By the time they are 75, this climbs to 50%, and continues to increase through the years of aging.

The government’s plan for taking care of you during your incapacity is a court-supervised guardianship proceeding that is both time consuming and very expensive. You can avoid this by deciding in your Durable Power of Attorney who is going to have the legal authority to make decisions for you and manage your financial and legal affairs when you are unable to do so. This person is called your “attorneyin-fact”. Frequently this person is your spouse or partner, followed by one or more of your children. It is important that your attorneyin-fact be a financially responsible person with good judgment, and

be concerned about your best interests.

Washington’s Vulnerable Adult Protection Statute has accounting and other requirements for your attorney-in-fact that are simple to comply with, require that your assets will be used only for your benefit, and help protect you from financial scams when you are vulnerable because of your incapacity.

Everyone over the age of 18 years should have a Durable Power of Attorney, including people, such as college students, who have very few assets, that becomes effective when a serious temporary or permanent incapacity happens. An experienced estate planning attorney can help you draft a Durable Power of Attorney that suits your unique needs, and protects you and your family should incapacity occur.

ZĞŶƚŽŶ ^ĞŶŝŽƌ ĐƟǀŝƚLJ ĞŶƚĞƌ ͞:ŽŝŶ ƵƐ ĚŽǁŶ ďLJ ƚŚĞ ZŝǀĞƌ͟ KǀĞƌ ϭϬϭ tĂLJƐ ƚŽ ^ƚĂLJ ĐƟǀĞ ĨŽƌ ĚƵůƚƐ ϱϬ ĂŶĚ KǀĞƌ͊ EƵƚƌŝƟŽŶ WƌŽŐƌĂŵ &ŝƚŶĞƐƐ ZŽŽŵ ŽŵƉƵƚĞƌ ůĂƐƐĞƐ ĂŶĐĞ ůĂƐƐĞƐ dƌŝƉƐ ĂŶĚ dŽƵƌƐ ĞƌĂŵŝĐƐ Kŝů WĂŝŶƟŶŐ ŝůůŝĂƌĚƐ ŽīĞĞ Ăƌ džĞƌĐŝƐĞ ůĂƐƐĞƐ

^ƵƉƉŽƌƚ 'ƌŽƵƉƐ DĞĂůƐ ŽŶ tŚĞĞůƐ &ŝŶĂŶĐŝĂů tŽƌŬƐŚŽƉƐ Aerobics zŽŐĂ ƵŵďĂ 'ŽůĚ tĂůŬŝŶŐ 'ƌŽƵƉ >ĞŐĂů ^ĞƌǀŝĐĞƐ ƌŝĚŐĞ͕ WŝŶŽĐŚůĞ͕ DĂŚͲ:ŽŶŐŐ ĂŶĚ ŵƵĐŚ͕ ŵƵĐŚ ŵŽƌĞ͊

ZĞŶƚŽŶ ^ĞŶŝŽƌ ĐƟǀŝƚLJ ĞŶƚĞƌ Ϯϭϭ ƵƌŶĞƩ ǀĞŶƵĞ EŽƌƚŚ͕ ZĞŶƚŽŶ͕ t ϵϴϬϱϳ ϰϮϱͲϰϯϬͲϲϲϯϯ Žƌ ƌĞŶƚŽŶǁĂ͘ŐŽǀ 6

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

tŚĂƚ ĚŽ ϯϱϬ ^ĞŶŝŽƌ ŝƟnjĞŶƐ Ă ĂLJ ,ĂǀĞ ŝŶ ŽŵŵŽŶ͍ dŚĞLJ ĂƌĞ ƉĂƌƚ ŽĨ ƚŚĞ ϯϱϬ ĚĂŝůLJ ƉĂƌƟĐŝƉĂŶƚƐ Ăƚ ƚŚĞ ZĞŶƚŽŶ ^ĞŶŝŽƌ ĐƟǀŝƚLJ ĞŶƚĞƌ͘ dŚĞ ŝƚLJ ŽĨ ZĞŶƚŽŶ ŽīĞƌƐ ŽŶĞ ŽĨ ƚŚĞ ďĞƐƚ ŽůĚĞƌ ĂĚƵůƚ ƉƌŽŐƌĂŵƐ ŝŶ ƚŚĞ ƌĞŐŝŽŶ͘ ŶLJŽŶĞ ϱϬ Žƌ ŽůĚĞƌ ĐĂŶ ƉĂƌƟĐŝƉĂƚĞ͘ dŚĞƌĞ ĂƌĞ ŶŽ ŵĞŵďĞƌƐŚŝƉ ĚƵĞƐ͘ /Ĩ LJŽƵ ĂƌĞ ŶŽƚ ƐƵƌĞ ǁŚĂƚ Ă ƐĞŶŝŽƌ ĂĐƟǀŝƚLJ ĐĞŶƚĞƌ ŝƐ Ăůů ĂďŽƵƚ͕ ĚƌŽƉ ďLJ ĂŶĚ ůĞƚ ƵƐ ƐŚŽǁ LJŽƵ ǁŚĂƚ ǁĞ ŽīĞƌ͘ ͞^ŽŵĞƚŚŝŶŐ ĨŽƌ ĞǀĞƌLJŽŶĞ͟

ŽŵŵƵŶŝƚLJ ^ĞƌǀŝĐĞƐ ĞƉĂƌƚŵĞŶƚ EĂƟŽŶĂůůLJ ĐĐƌĞĚŝƚĞĚ 883862

Senior Centers Can Provide Help For Loneliness SHAWN DALY, DIRECTOR, RENTON SENIOR ACTIVITY CENTER www.rentonwa.gov/living

WELCOME HOME We salute all that you have accomplished in your life before this moment and look forward to embracing the ways you choose to celebrate the art of your life tomorrow!

MEMORY VILLAGE OPENING EARLY 2014

• 3 Chef Prepared Meals Daily • Studio, 1 and 2 Bedroom Apartments • Individualized Assisted Living Service Plans • 24 Hour Staff • Weekly House Keeping and Linen Service • Month-to-Month Rental • Small Pets Welcome • Short Stay/Respite

206-241-0821 16625 First Ave. South Normandy Park, WA 98148 info@artegan.com www.artegan.com 887704

Having worked at the Renton Senior Activity Center for over 30 years I have seen firsthand the effects of loneliness and the true value of the Center. The classes and services are excellent, but it is the social interaction and caring atmosphere that make it so special. Senior centers big or small are so very important to our senior population and their families. We all need a reason to get up each day and something to look forward to--senior centers can be the answer.

Over the years I have grown to realize how tough it is to grow older, growing older is not for “sissies!” Financial and health situations can be difficult to deal with, but one area that can be most devastating is “loneliness.” It seems that we used to be a much closer knit society; we knew our neighbors on a first name basis and were friends. Driving down the street we would honk and wave to our friends. Now if you honk it isn’t because you are being friendly and that probably isn’t a friendly wave you’re giving that person. I think the people that have been hurt by our changing society have been our senior population. Our senior citizens don’t understand society’s new “rules,” and they are really on their own.

The days of neighbors looking after their senior citizen neighbors are just about gone. We need to get back to caring for one another.

I feel so proud of what senior centers do for our senior citizens. I think the greatest benefit our senior citizens get is that senior centers help reduce loneliness. They are great facilities for socializing. Senior centers provide a caring home-away-from-home atmosphere. People really caring about people, just like the “Good Old Days.” We are all in this “boat” together--jump on board and visit your local senior center.

D e n t u r e s Providing personalized care to give you a lifelike smile. www.lifelikedentureswa.com • FREE CONSULTATIONS • Dentures • Partial Dentures • Implant Dentures • Repair/Relines (most done while you wait) Bring in this ad to receive • In-house Lab • Dental Insurance Welcome

100

$

OFF

NEW DENTURES Limited to one use per customer.

(253) 813-8000

Lifelike Dentures is a family owned business.

Denturist Michael Holden is a second generation denturist. Lifelike Dentures is proud to continue in a tradition of thoughtful care and excellent dentures.

As a denturist practice we focus solely on your denture needs, ensuring that you receive the highest quality care and lifelike dentures. Come see us, or give us a call at (253)813-8000.

East Kent Dental Complex Across from Red Robin 2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

676613

25052 – 104th Ave SE Suite G • Kent WA

7

Retirement Plan Tips for Conservative Savers (StatePoint) Whether you’re a risk taker or a more conservative saver, retirement planning should be a top priority. Taking charge of your savings, regardless of your life stage or savings style, can help to ensure you get to and through retirement and live the lifestyle you think is right for you.

If you have an employer-sponsored retirement plan, experts say that you can benefit by taking a closer look at your account to explore ways to combat risk and protect savings for the future.

“No matter what kind of saver you are, connecting with a retirement consultant or financial professional can help restore confidence in your retirement plan,” says Chuck Cornelio, President of Retirement Plan Services at Lincoln Financial Group. “These individuals will review your risk preferences, as well as what’s available within your plan to help you map out a path to retirement that is right for you.”

Consider the following five tips that can help you manage risk and volatility within an employer-sponsored account, like a 401(k) or 403(b): • Know your plan: Many options within an employer-sponsored plan are designed to offer

capital protection and volatility management.

Some can accommodate changing market conditions, seeking to protect growth as the market fluctuates and defend against losses. Knowing what investment options are available to you is the first step to protecting your savings.

• Consider lifestyle options: Your risk tolerance may change over time based on how many years away you are from retirement. For example, investments known as target date funds are designed to manage risk over time without moving assets out of a retirement portfolio, so participants always stay invested. The flexibility of these funds can cover a broad range of risk tolerance.

• Explore in-plan guarantee options: Some features in today’s retirement plans include guaranteed income options that can provide savers with a steady income stream in retirement while also offering protection against downturns in the market.

• Review your investments: Ask your employer about retirement planning education, online tools or one-on-one support to get a better handle on whether your investment strategy is in line with your overall retirement goals, as well as your risk tolerance. Take advantage of all the resources available to you.

• Stay the course: A common mistake people make is letting their emotions lead to actions.

Resist the temptation to move out of your investments into areas you think are more stable.

The best way to prepare for retirement is to ride the market’s waves and remain invested for the long-term.

More retirement planning information and tools can be found at www.lincolnfinancial.com.

If you’re enrolled in your company’s retirement plan, remember to stay on track to be better prepared for the years ahead.

Discover The Lakeshore

The Lakeshore offers a warm, vibrant lifestyle, an array of amenities, rich programming, and exceptional Independent Living and Assisted Living care – all on the southern shore of beautiful Lake Washington.

The Lakeshore Ϳ eraliving.com 11448 Rainier Avenue S, Seattle, WA 98178 Call us at (206) 772-1200 to schedule a personal visit.

8

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

Top Four Reasons to Move to an Independent Living Facility RON STEINMAN, BOULEVARD PARK PLACE RETIREMENT COMMUNITY www.boulevardparkplace.com

When you’re an older adult, any housing change can seem like you’re losing your independence.

However, as the name suggests, independent living is more about making your life easier than giving up your independence. Sometimes, acknowledging your limitations— that you’re unable to manage the upkeep of your existing home, for example—and accepting some assistance now may help you maintain your regular independent routine for longer.

Is independent living right for me? - 4 Questions to ask yourself 1. How easy is it for me to maintain my current home?

Maintaining a home may be a longstanding source of pride for you, but it can also become a burden.. Perhaps your home has a

large yard which requires constant maintenance, or maybe it’s becoming more difficult to clean those extra rooms that are rarely used.

If your home is difficult to access, such as on a steep hill or up several flights of stairs, it may be harder for you to leave your home as often you’d like, leading to more isolation. Or increased crime may mean that your neighborhood is now too dangerous to walk around safely.

However, if you’d like a place that does not require a lot of maintenance and upkeep, independent living may give you more freedom and flexibility in the long run.

2. Is it difficult for me to connect to friends and family?

The more isolated you are, the greater your risk for depression and other mental health problems. You

may have a difficult time getting out of the house, perhaps due to trouble driving or increased mobility issues. Or your friends and neighbors may be busy with other work or family commitments, or the neighborhood may not be easy to get around. Independent living facilities can give you a built-in social network of peers, while many also provide structured activities such as sports, arts, or field trips.

3. How easy is it for me to get around?

You may live in an area where you have to drive to attend social activities, visit friends, and shop. If you find yourself less comfortable with driving, you may find yourself relying more and more on public transportation or family and friends to get around. It may be harder to visit others, go to activities you enjoy, or keep doctors’ appointments.

As well as onsite amenities, many

independent living or retirement communities also offer convenient transportation options to outside activities.

4. How is my health (and the health of my spouse)?

It’s important to consider your current and future health. For example, if you have a health condition that makes it difficult to stay active and will most likely worsen with time, it’s good to consider your options carefully. It’s also important to consider the health of your spouse if you are married. Can you manage the activities of daily living, such washing, showering, and eating? Can you manage your finances? Can you manage medications and doctor appointments?

One last question to consider is, “Will moving be any easier next spring, next year, five or even ten years down the road?” In just about every case, the answer is “no.”

Affordable Probate Alternatives JENNIFER C. RYDBERG, JD jenny@jcrlaw.com • www.jcrlaw.com • 425-235-5535

Probate is a court proceeding in which the court supervises the transfer of assets from someone who died to the living heirs. Most probates are straightforward, but they can become time consuming, expensive, and conflicted.

With proper estate planning, most individuals can completely avoid probate.

Having a properly drafted Will (not one you get off the Internet) helps a lot to accomplish this goal. It is also important to be sure that your accounts at banks, IRAs, 401(k) plans, brokerage accounts, life insurance, and other financial assets are both properly titled and have death beneficiary designations. Trusts and trust alternatives can be set up to manage assets for minor children or disabled heirs. Accuracy and compliance with complicated state and federal regulations is essential. This can quickly and easily be done with the assistance of your estate planning attorney, who can also work with your financial planner.

Other probate alternatives include a Community Property Agreement for couples, a Small Estate Affidavit for estates worth less than $100,000, a Lack of Probate Affidavit when selling real estate, and a non-probate Notice to Creditors to shorten the time creditors of the decedent have to claim money from two years down to 4 months. Revocable living trusts are complex, must be maintained, and are expensive. Most Washington individuals and couples do NOT need a revocable living trust to ensure that their assets are readily transferred as they wish upon death.

Estate planning with an experienced attorney is a wise investment that protects your family and provides for a simple and orderly transfer of your assets upon death.

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

9

Make it easier for those you love… 911 – What You Need to Know DEBBIE, MARLATT FUNERAL HOME www.marlattfuneralhome.com

We all make plans in advance every day of our lives. We schedule doctor and dentist appointments regularly. We save for vacations long before we take them. We buy auto insurance to protect our family in the event of accidents and health coverage for unexpected illnesses. We often carry life insurance intended to cover ongoing living expenses for the family in the event of an untimely death.

Equally important is discussing your funeral preferences with your family and setting aside funds for your final expenses. By doing so, you relieve your loved ones of the emotional and financial burdens in the future. You can enjoy the peace of mind that comes with having your affairs in order for your survivors.

The last thing you want to do is put your family & friends in an unexpected financial position.

Families often count on providing for a funeral by using their savings or relying on friends and relatives for financial assistance.

Savings… …May be depleted by cost of extended care during long-term illness prior to death …May be tied up in probate …May be reduced by taxes and early withdrawal penalties

t

a ng

rti

a St

0th 5 2 on

$2per m

Friends and Relatives… …May have conflicting views over what to do …May have to endure financial strain and pay back debts

These may not be wise options: A wiser choice to consider is Forethought® funeral planning for your planning needs. One of the most satisfying benefits of planning ahead is in knowing that your wishes and desires are aligned with your financial circumstances.

Good Record Keeping Record everything you think the executor of your estate will need to know in order to carry out your wishes. Your records should match the information in your will. You should list all your biographical, financial and personal information including: • A will and its location • Marriage certificate • Children’s names, addresses and phone numbers • Insurance policies and their location • Bank accounts and securities and their location • Safe deposit boxes and their location • Benefit entitlements • Any other important documents • Any important contact names and phone numbers Review these records regularly and update accordingly.

Experience the Stellar Life at Farrington Court!

BRYAN THURMAN, COMPLIANCE COORDINATOR FOR WESLEY HOMES www.wesleyhomes.org An emergency happens: someone slips and falls and can’t get up or someone experiences an unfamiliar painful sensation in their chest. What do you do?

For many of us, the answer is clear as day when it is not happening - dial 911. When the heat is on, however, many of us are concerned that we may not be doing the right thing or that we are overreacting to a situation that is too minor to be worth the time and resources that activating the emergency response system will use.

Rest assured, though, that very few of us are trained to know what to do in an emergency. Not only is it okay to ask for help from somebody who is trained in emergencies, but you should do so. In South King County, Valley Communications Center (our 911 operation center) handles well over 500,000 calls a year. That’s about 1,500 per day! Your calls for emergency help are expected. When you are unsure whether there is an emergency, your calls are expected. Knowing exactly what to do in an emergency situation is not expected.

If you have access to a landline, use that before using a cellular phone. Using a cell phone will take you to the National Highway Traffic Administration line, which will manually route you to Washington State Patrol, which will manually route you to Valley Communications Center. If you dial from a landline, you will be directly connected to a Valley Communications Dispatcher. Additionally, when you use a landline, Valley Communications will have an easier time locating you and speeding up EMS response to your location.

Smile. Your search for a new dentist is over.

GRAND OPENING! Call for an appointment today.

New Patient Special

59

$

Cleaning, Exam & Digital X-Rays*

$

50 off

Any Dentistry†

That’s what our residents Barbara and her delightful dog Sophie are doing!

Not only is Farrington Court pet friendly, we pride ourselves on our variety and abundance of activities and a delectable dining cuisine. Come see for yourself with a tour and lunch or join us for an activity!

425

793-6003

RentonModernDentistry.com

RENTON

MODE RN DE NTISTRY

516 Kenosia Avenue Kent, WA 98030 • www.StellarLiving.com

898310

Call Today for a Tour! 253.852.2737

William McGlashan, DDS

955 Park Ave N, Ste D Renton, WA 98057

*Regular value of at least $290. In absence of gum (periodontal) disease. New patients only. Subject to insurance restrictions.

Cannot be combined with any other offers. Coupon must be presented at appointment. Limit 1 per patient. Cannot be applied to insurance co-payment. †Not valid on previous or ongoing treatment. Cannot be combined with any other offers.

Coupon must be presented at appointment. Limit 1 per patient. Excludes cleaning, exam, Digital X-rays and periodontal maintenance. Subject to insurance restrictions. Cannot be applied to insurance co-payment.

883875

10

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

Eating for Your Eye Health Elaine Secilmis, Dietician for Wesley Homes www.wesleyhomes.org

Did your mom ever tell you that eating carrots were good for your eyes? Well guess what? She was right…to some degree. There are two types of carotenoids, known as lutein and zeaxanthin, that are responsible for giving your eyes a boost. Both are found in the retina and lens of our eyes where they absorb damaging, high-energy blue and ultraviolet light. As amazing as our bodies are, they cannot make either of these two carotenoids. So where should we get them? Foods of course, delicious wholesome fruits and veggies!

Foods naturally high in lutein and zeaxanthin include: carrots, squash, cantaloupe, tomatoes, spinach, oranges, kale, collard greens, red and orange peppers, broccoli, corn eggs and zucchini. The most bioavailable source of lutein is from egg yolks.

Orange peppers are particularly high in zeaxanthin. In order to absorb

the most lutein and zeaxanthin from fruits and veggies, it is helpful to pair them with a healthy fat, like olive oil in a salad. This is because they are both fat-soluble substances. Also, lightly cooking your vegetables may also help your body absorb these eye protecting antioxidants.

In addition to kicking up your intake of these amazing fruits and vegetables, there are many supplements targeted for improving eye health. If you would like to purchase supplements, or already have some at home, make sure that it includes both lutein and zeaxanthin. The AgeRelated Eye Disease Study (AREDS) demonstrated that beta-carotene had little to no effect on age-related macular degeneration (AMD) or cataracts, but the combination of lutein and zeaxanthin had beneficial results in reducing the risk of developing advanced AMD.

Finding the Connection • Since 1989 •

D o Yo u H e a r, b u t Not Understand?

Trust your hearing to Ascent Audiology and Hearing:

State-of-the-Art Testing Equipment We offer complimentary hearing consultations. During your consultation we will discuss how your hearing impacts your life, and any options to help improve speech understanding.

We will provide a hearing test* to quantify your hearing range using sophisticated state-of-the-art testing equipment. *Diagnostic audiometric exam not free, but typically covered by insurance.

Our Commitment To You Hearing Better Ascent Audiology and Hearing has an instrument for any aidable hearing loss. Along with the best hearing solution, Ascent Audiology & Hearing provides a variety of hearing healthcare services including diagnostic evaluations, hearing aid and treatment options, personalized counseling and aftercare. As well as tinnitus (ringing in the ear) counseling.

Experience Helping With Better Hearing With over 15 years of experience helping people hear better, Audiologist and Owner, Michelle Arbini, uses only the very latest technology to ensure quality personal attention and long-term satisfaction to solve any hearing challenge.

Below is a list of complete audiological services performed by Audiologist and Owner, Michelle Arbini at Ascent Audiology & Hearing

• Hearing loss counseling • Rehabilitation services • Latest hearing aid technology • Premium batteries • Tinnitus counseling and support • Computerized hearing aid analysis • Hearing aid repair and service • Custom ear molds (protection) • Everyday low prices on the newest technology

If you hear, but don’t always understand what family and friends are saying, call for your complimentary hearing consultation today!

Providing Premier Memory Care Day Stay & Short Term Also Available Call Today For A Tour

17115 SE 270th Place, Suite 104 Covington, WA 98042

253-630-7496

15101 SE 272nd St., Kent, WA 98042 • Close to Hwy 18 on Kent-Kangley

884383

(253) 656-6740

www.AscentAudiologyCovington.com We are providers for most insurance.

Owner, Michelle Arbini, Certified Audiologist 12 month interest free financing available. OAC

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

11

I used to look hot, now I look like my mom

3 Myths about Independent Living

DR. ROBERT ODEGARD DDS www.drodegard.com

RON STEINMAN, BOULEVARD PARK PLACE RETIREMENT COMMUNITY www.boulevardparkplace.com

I have had many uplifting experiences where a person comes into my office wanting a single tooth fixed and later they found a completely new lease on life. “I used to look hot said one lady in her 50’s, now I look like my mom”.

Her teeth were yellow to brown, uneven, longer than before due to gum recession and the edges were straight and flat due to a lot of wear over the years. We took pictures, evaluated her teeth on the computer and designed a new smile for her. After a few comfortable visits in the dental chair under oral sedation, her smile was transformed into a beautiful masterpiece. She was so excited about her new smile that she decided to get an new hair style and new make

up. Instantly she looked ten years younger.

We can tell that she feels so much better about her life because she is constantly smiling, has a bounce in her step and just radiates with energy. She is enjoying her life again and is enjoying many activities and projects that she used to have no energy for. This is just one of the many rewarding life transformations that we are blessed to witness by helping people improve their appearance.

A study has been done on attractiveness. They found that the number one noticed and admired feature about a person of the opposite sex was their smile. If you are unhappy with your appearance, call your dentist and get an evaluation of your smile.

It is a great place to start improving your look and you life.

PARKSIDE

RETIREMENT

COMMUNITY

Best of

AUBURN

Affordable Units Available

• • • •

3 Homestyle Meals Daily Attendants On Duty 24/7 Personal Care Services Full Activity Program 1 Bdr & Studio Units Avail.

FINALIST

Discounted Phone Service

INDEPENDENT LIVING APARTMENTS • • •

1 Homestyle Meal Daily Own Private Park 2 Bdr, 1 Bdr, & Alcove Units Available

PARKSIDE RETIREMENT COMMUNITY 2902 “I” Street NE, Auburn 98002

253.939.1332 • www.ParksideRetirement.com 12

889598

Prefer the Eastside?

Ask us about Crossroads Retirement Center in Bellevue

REALITY

Living in a retirement comYou’ll have your own space without the hassles. munity or senior apartment You’ll also maintain your privacy and independence. means losing independence. You can furnish your apartment with your own furniture and personal items and decide how you wish to spend your days and with whom. The doors to your apartment lock and are controlled by you. You should feel at home and absolutely secure in your environment.

Moving away from my family Most independent living facilities have built-in means no one will be around safety and security measures along with 24-hour staff, to help when needed. designed to reduce the worry that often comes from living alone. Features are in place to respond quickly in the event that you need someone to help you.

Moving to independent livLife at an independent living facility usually means ing means saying goodbye to that seniors are more active than they were living hobbies such as gardening. alone. Many facilities have gardening programs for residents in addition to fitness programs, bingo, cards, and book clubs. Studies have shown that people who are active and engaged are healthier and happier.

Extensive activity programs give all residents options and choices tailored to their specific needs, desires, and lifestyle. They can also reduce the isolation felt when living alone.

National Parks Face Severe Cuts: How to Help

2013

ASSISTED LIVING APARTMENTS •

MYTH

(StatePoint) For generations, families have been visiting National Parks to experience the best that America has to offer. But recently, budget cuts have taken their toll on National Park Service sites nationwide.

Visitors to the 401 National Park sites across the country support more than a quarter-million jobs and over $30 billion in annual spending – a huge impact on local communities. The recent budget cuts affect both visitors and local businesses that rely on these visitors to support local economies.

Some of the damaging effects these budget cuts are having on National Parks include major

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

staffing shortages, the cancellation of special events, the closure of hiking trails and campgrounds, and a reduction in the monitoring of endangered species, which puts protected wildlife at risk.

To preserve our national parks and communities as we know them, the National Parks Conservation Association says Congress needs to invest in our national parks so they are protected and preserved for future generations to enjoy. Interested citizens can contact their Senators and Representatives at (202) 224-3121 to urge them to restore funding to the National Park Service budget and can visit www.npca.

Lifelong Learning Delivers Emotional Benefits to Seniors NICOLE FRANCOIS www.eraliving.com

that challenge the mind, they do more than get smart, they connected with others,” notes Rossi. “Once those thoughts get going they just have to share them. From those conversations, meaningful friendships often emerge.”

The Lakeshore, and parent company Seattle-based Era Living, have deep roots in the lifelong learning movement. They proudly join elite institutions, including Stanford University and the World Health Organization, by encouraging older adults to engage in learning with the understanding that there is a considerable emotional benefit.

“The Era Living communities have discussion groups that meet monthly or sometimes weekly to explore the issues of our day,” says Era Living Director of Resident and Family Supportive Programs, Cliff Warner who has a graduate degree from the University of Washington in Social Work. “Our conversations, often facilitated by me, are spirited and passionate, yet always respectful. Sharing life experience and a little wisdom often leads to dinner invitations and new friendships.”

Like Era Living, the World Health Organization is exploring opportunities around the globe to promote lifelong learning as a method of reducing cognitive decline and helping older adults deal with depression and poor self-image as they

age.

“Social isolation is a problem which is often a source of depression,” says Aljoya Endowed University of Washington School of Nursing Professor, Dr. Basia Belza.

“The social aspect of learning and participating in group exercise provides opportunity for emotional

We offer both private and semi-private rehab suites • 24-hour skilled nursing • Restorative nursing • Long-term care • Physical therapy, occupational therapy, speech-language pathology

• Social services including transition planning • Life enrichment activities • Dining/nutrition program • No restrictions on visiting hours • Wi-fi throughout our entire campus

If you are seeking nursing and rehabilitation services, it’s best to tour the facility campus and meet the staff prior to admission, so you can get a feel for the atmosphere and the quality of care provided.

Talbot Center

for Rehabilitation & Healthcare 4430 Talbot Rd. S., Renton, WA 98055

P: 425-226-7500 F: 425-226-4195 www.talbothealthandrehab.com

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

898133

We know education empowers us to be better people and contribute to society, but now medical and social scientists are researching the effects of lifelong learning on our emotional health. More specifically, they are interested in how lifelong learning stimulates receptors in the brain, contributes to improved cognitive performance, and reduces memory loss in older adults.

Here in Renton, The Lakeshore is not waiting for more studies to prove what the staff sees everyday.

“Lifelong learning opportunities abound at The Lakeshore and the Era Living retirement communities,” says The Lakeshore Executive Director, Susanne Rossi. “We work in partnership with several schools within the University of Washington to bring dynamic lectures into our communities for our residents and their friends, we often purchase tickets for cultural and sporting events around the Sound, and we have Seattle Art Curator, June Sekiguchi onboard putting together visually stunning art exhibitions throughout the year. It’s a very stimulating place to live.”

Era Living residents like Dr. Kenneth Morrow agree, noting that the learning-focused programming is a big part of community lifestyle.

“The programs here foster learning, fun and communication,” says Dr. Morrow. “My wife Dorothy and I enjoy serving on resident committees, getting together with friends, and sharing nights out on the town at the theatre and symphony.”

Human connection is what Rossi sees from programming inside and outside of The Lakeshore. While the shared learning experiences are essential ingredients for a wellrounded lifestyle, she thinks their best result is the cultivation of new friendships and deeper conversations.

“When people engage in activities

connection.”

Belza’s research, conducted at the University of Washington School of Nursing, and often in partnership with the CDC, shows that staying physically and emotionally engaged boosts confidence. Other big minds are coming to similar conclusions.

Stanford University sites recent studies that show challenging the brain spurs the creation of new thought patterns, and keeps the brain healthy as we age. The university calls its lifelong learning classes a ‘health club for the mind, body and spirit,’ emphasizing that lifelong learning creates a richer, more stimulating and fulfilling life.

To participate in the next lifelong learning event and to connect with others, log on to www.eraliving. com/communities/lakeshore or call 206-772-1200 for information about upcoming lectures and cultural events at The Lakeshore.

13

10 Crucial Nutrition Tips For Senior Men (StatePoint) Prostate cancer is the most common non-skin cancer in America -- and the older you are, the more likely you are to be diagnosed with this serious disease.

“There is good news for those who want to take control of their risk,” says

Dan Zenka, Senior Vice President of Communication at the Prostate Cancer Foundation (PCF). “Recent research shows that eating right can help decrease the chance of developing prostate cancer, reduce the likelihood of recurrence and slow the progression of the disease.”

Have you ever thought of pre-planning your funeral?

PLEASE CALL OUR PRENEED FUNERAL COUNSELOR

Make it easier for those you love.

MARLATT

FUNERAL HOME & CREMATORY 713 Central Ave N - Kent, 98032 (253) 852-2620 | www.marlattfuneralhome.com

886973

Serving Families for 54 Years

Owned & operated by Kim & Cindy Marlatt

Here are 10 nutrition tips for men to stay healthy as they age: • Avoid “empty” calories by eliminating junk food. Snack on fruits, vegetables and nuts instead. Swap out soda and opt for water or natural juices.

• Rely on herbs, spices and garlic for flavor, not sugar, salt and fat.

• While fat is a necessary component of a healthy diet, limit the amount you consume from red meat and dairy. Avocados, olives, nuts, seeds and tofu are healthy sources of fat. Trans fatty acids found in margarine, however, should be avoided.

• Avoid taking more than 1,500 mg of calcium per day. Skip the supplements and consume your calcium from leafy green vegetables, beans and fish.

• Eat more fish. Evidence from several studies suggests that fish can help protect against prostate cancer because they contain “good fat,” particularly omega-3 fatty acids.

• A lack of vegetables in the diet is a risk factor for aggressive prostate cancer. Vegetables in the broccoli-family are especially beneficial. Use olive oil for cooking for a maximum health benefit.

• Avoid over-supplementation with megavitamins. Too many vitamins, especially folate, may “fuel the cancer,” and while a multivitamin is not likely to be

harmful, if you follow a healthy diet with lots of fruits, vegetables, whole grains, fish, and healthy oils, you likely won’t even need a multivitamin.

• Marinate meat and turn it frequently to prevent charring. Charred meat of any type can produce carcinogens. Alternatively, get your protein from vegetarian sources.

• No matter how sound your diet is, regular exercise is its perfect pair. Recent research has suggested that exercise may be one of the best natural antioxidants, eliminating inflammatory molecules that drive cancer.

• While eating well and exercising may make a difference in the long run, it doesn’t always eliminate your risk of having prostate cancer. Start talking to your doctor about your prostate health and remember to get a prostate screening during your annual physical.

While cutting out your favorite foods may seem tough at first, there are delicious ways to enjoy foods that are good for you. For recipe ideas, visit www.pcf. org/nutrition.

Nutrition and wellness go hand-inhand. Taking control of what you put into your body is a great first step toward reducing your risk for prostate cancer and other dangerous diseases.

Celebrate your

INDEPENDENCE!

Discover a new world of Independent Living!

Family owned, affordable, retirement living.

FREEDOM to live on your own.

+ Tours 7 days a week +

tukwila reporter

PLAN YOUR FUTURE

A Warm Family Community

Complete Estate, Probate and Trustee Services

PEACE OF MIND knowing your home is safe.

FINALIST

BESTOF2013 56,8*-" t 4&"5"$ t %&4 .0*/&4 AWARDS

COMPANIONSHIP with people who live an active lifestyle.

COST AND SERVICES are offered on a month-to-month rental basis. Leases are also available.

GARDENING Maintain your own garden and vegetable plot.

2805 S. 125th St. • Burien, WA 98168

206.243.0300

www.bouldvardparkplace.com 889626

Jennifer is pleased to offer affordable estate planning services to people throughout the Seattle metro area. :KLOH VKH KDV VXI¿FLHQW experience to handle complex estate and probate cases, she also assists clients with basic estate planning services that are affordable for families.

Jennifer C. Rydberg 8407 S. 259th Street, Suite 203 Kent, WA 98030 425-235-5535 www.jcrlaw.com

Are you ready to take charge of your future?

Estate planning attorney Jennifer Rydberg can help you explore your goals and draft a legally VRXQG VROXWLRQ WKDW ¿WV \RXU IDPLO\¶V XQLTXH needs.

Preparing for death or disability is an uncomfortable but necessary task, made easier with the right lawyer. Jennifer Rydberg is an approachable, compassionate attorney with more than 30 years of legal experience.

She offers a broad range of estate and probate services, including: • Wills and trusts • Living wills and powers of attorney • Community property agreements • Guardianship and considerations for minor children • Living trusts, testamentary trusts and special needs trusts • Probate and estate administration • Low cost probate alternatives 886966

14

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

MICHELLE ARBINI, AUDIOLOGIST, CCC-A, FAAA

www.ascentaudiologycovington.com (253) 656-5563 Sound enters your ear canal. These sounds vibrate your eardrum, starting a chain reaction. The ear drum is connected to the ÀUVW RI WKUHH WLQ\ bones. The bones are hinged and PRYHPHQW IURP one causes the next to move.

This movement vibrates against the oval window in your cochlea, sending sound waves through the snail-shaped organ. Inside the cochlea DUH WKRXVDQGV RI PLFURVFRSLF KDLU cells called Stereocilia. Consonant sounds, like S, T, K, and P, are sensed LQ WKH LQLWLDO VHFWLRQ RI WKH FRFKOHD Medium speech tones are picked up LQ WKH PLGVHFWLRQ 7KH ORZ WRQHV RI speech are picked up in the last sec-

tion. As sound waves move through WKH à XLG ZLWKLQ WKH FRFKOHD HDFK KDLU FHOO ÀUHV DQG VHQGV DQ HOHFWULFDO impulse through the Eighth Nerve to the brain. Letting you hear sound.

When you hear but not understand, it’s caused by one or more reasons.

1. The ear caQDO¡V MRE LV WR IXQnel sound to your ear drum. Sometimes the canal becomes plugged with wax, which mimics a hearing loss because LW EORFNV VRXQG IURP UHDFKLQJ \RXU HDUGUXP 8VH RI D FRWWRQ VZDE ZLOO pack wax even more. A simple look can ensure your eardrum is healthy DQG \RXU HDU FDQDO LV FOHDU RI ZD[ 7KH WKUHH WLQ\ ERQHV RI \RXU LQner ear conduct sound between your ear drum and your cochlea. OtoVFOHURVLV LV WKH FDOFLÀFDWLRQ RI WKHVH bones, resulting in conductive hear-

4. Tinnitus is the phantom sensaWLRQ RI ULQJLQJ LQ WKH HDUV ,W LV WKH UHVXOW RI GDPDJHG RU PLVVLQJ QHUYHV between the cochlea and the brain. $Q DXGLRORJLVW FDQ LGHQWLI\ WKH WRQH RI \RXU WLQQLWXV DQG SURJUDP VSHFLĂ€F hearing devices to mask or reduce the ringing.

Have you noticed a change in your hearing? Early detection is critical in proper hearing treatment. Michelle $UELQL LV $XGLRORJLVW DQG 2ZQHU RI Ascent Audiology & Hearing.

Start Planning For Your Future Today

• Medicare, Med Advantage • Long Term Care • Critical Illness Coverage • Retirement Planning • Health Insurance • Life Insurance

Mark Hermiller

Insurance Broker 3500 Maple Valley Highway Renton, WA 98058

425-235-0877

898138

How your hearing works

LQJ ORVV $ERXW RI SHRSOH KDYH WKLV W\SH RI ORVV 3. The cochlea is a snail-shaped RUJDQ FRQWDLQLQJ WKRXVDQGV RI OLYLQJ hair cells called stereocilia. A condition known as Sensorineural hearing loss (nerve type hearing loss) occurs ZKHQ DQ\ RI WKH KDLU FHOOV EHFRPH GDPDJHG $ERXW RI KHDULQJ ORVV is this type. Hair cell damage is a QDWXUDO SDUW RI DJLQJ ,W FDQ EH FDXVHG by moderate sounds over long periods, loud sounds over short periods, or even by prescriptions.

markh@peakadvisors.net www.peakadvisors.net

Our Patients Have Something To Smile About WHAT ARE YOU WAITING FOR? Give Dr. Odegard a call. He would love to help you achieve your perfect smile! He can replace missing, cracked or worn teeth with a combination of implants, crowns, and/or veneers all in our state of the art office.

Drop by our office or visit our website to view testimonials and photos of our happy patients. You can also call for a FREE consult!

Highlands Professional Plaza 451 Duvall Ave NE, Renton WA 98059

Thank you Dr. Odegard.

I love my new smile!

Dr. Robert L. Odegard, D.D.S., M.A.G.D. 425-277-4000 • www.drodegard.com 887700

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

15

Serving Kent Since 1938 Join Us

Veteran’s Day

CEREMONY at Tahoma National Cemetery

Kent Cornucopia Days July 2013

November 11, 2013 11am Saturday, December 7 FREE Senior Breakfast at the Kent Senior Center November 9 at 9:00am

Kent Dragon Boat Races July 2013

A gift to the community of Kent from the people who bring you the nationally recognized and Award Winning Kent Cornucopia Days.

The Kent Lions present the 2013 Kent Winterfest Kids Mini Santa Parade, the official Kent Christmas Tree, and the Tree Lighting Ceremony at Town Square Plaza.

Holiday Reading 3:30pm at Kent Library

Photo courtesy of Dan Meeker

Sight and Hearing Foundation

Santa Parade

4:30pm at the Kent Station

Tree Lighting

5:30pm at the Town Square Plaza, across from Kent Library

Want to get involved?

Kent Lions Meetings First and Third Tuesdays, 7pm Down Home Catering 211 1st Ave. – Kent, WA

If our events and meetings do not meet your schedule, then please look at some of fellow service organizations (like Rotarians, Kiwanians, and others, that help our community). Contact us and we will put you in touch with them!

253-852-5466 • kentlions@gmail.com 16

2013 SENIOR RESOURCE GUIDE | 18 OCTOBER

886912

Celebrating 75 Years!

Another Kent Lions Event