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A supplement of the Journal of the San Juan Islands, Islands' Sounder and Islands' Weekly


Senior Resource Guide

Self-directed retirement accounts for real estate

by MERRI ANN SIMONSON Coldwell Banker


id you realize that you may use all or a portion of your retirement funds to invest in real estate? Retirement accounts are basically Trust accounts for your benefit when you retire. In the 1970s, the IRS approved real estate as an investment option. You can purchase with your IRA or a 401(K). You may also obtain a non-recourse real estate loan that is granted to your

self-directed IRA, which will increase your purchasing power. Typically, the lender, will loan up to 50 percent loan to value on a 3, 5 or 7 year adjustable rate mortgage. Today's rates are around 5.25 percent. This is an incredible tool for investors and real estate has historically been a good investment. Most individuals currently hold stocks, bonds or mutual funds in their IRA accounts which can be sold to purchase a real estate investment. You are able to defer the tax on the gain from the sale of the stocks as they are held in your IRA account. Be sure to check with your account manager regarding any fee or charges related to the sale of your current IRA investments. Similar to stocks, you can buy and sell real estate within the IRA account and defer your tax payment on the gain.

Lopez Hamlet Cottages Leased Garden Cottages for Active Islanders Ages 55+

Interested in downsizing or simplifying? Check out The Hamlet Cottages, a beautiful, vibrant, connected community in the heart of Lopez Island. Your 1-year lease includes: • Personal Assistant’s help with housekeeping, errands and chores, twice monthly • Spacious laundry room with washer/dryer in your cottage • Airy, bright rooms with skylights, cathedral ceiling, zone heating • Large kitchen with full-size refrigerator, stove, microwave and dishwasher • Monthly concerts, art openings, performances and cultural events • Resident-sponsored classes and activities • Reserved parking • Building and grounds maintenance • Water, sewer, trash pick-up Six 1-bedroom cottages are reserved for those with modest income. Rates begin at $997/month Two bedroom cottages, $1695/month For more information please call The Hamlet at 468-2620 or drop by for a tour www.lopezhamlet.com

Caution: geezers gathering

by CURT VANHYNING 18 year SHIBA volunteer


ou are invited to an Annual Medicare Part D Forum in Friday Harbor on Oct. 21 at the San Juan Island Library and Oct. 27 at Mullis Center. At 2 p.m. hear an overview of how the different parts of Medicare work in San Juan County and your options for 2016 coverage. About 30 years ago the Washington State Insurance Commissioner identified the need for trained volunteers and began recruiting Senior Health Insurance Benefits Advisors. Interested SHIBA volunteers from varied backgrounds enrolled in basic training, background checks, passed tests and received specialized instruction. These unpaid, unbiased counselors continue to receive focused monthly training from professional instructors and pledge to keep confidential your personal health information. Island Hospital has been a sponsor in our area for 25 years providing a regular meeting site and coordinator for 12 volunteers from Skagit and San Juan County.  Documented service contacts last year in the state were 66,000 with 798 of those in our area and about 400 in San Juan County. Most of those occur during the annual Medicare Open Enrollment Oct. 15 to Dec. 7 when Medicare participants review their Prescription Drug Plan options for the coming year using the Medicare.gov website. Counselors utilize donated meeting/office space on three islands: Lopez Medical Center, Orcas Medical Center and Village at the Harbour in Friday Harbor. Personal appointments are scheduled by calling these numbers:  Lopez: 468-2245; Orcas: 376-2561; San Juan: 370-5018. In addition to help choosing Medicare Rx Plans, counselors help introduce newly eligible clients (turning 65) to their rights and options under Medicare A and B, ways to enroll, and clarify differences between Medicare Supplement Plans (medigap) and Medicare Advantage Plans (Medicare Part C). You get individual, confidential, dependable information and assistance with your questions by calling a local advisor. Services are also available to your friends and relatives in other states through programs called SHIP from their state insurance office.

Offering comprehensive rehabilitation services that include Physical Therapy, Occupational Therapy & Speech & Language Pathology. Gait assessment • Balance • Weakness • Home Safety Pain Management • Orthopedics • Stroke • Fitness/Strength Vertigo • Osteoarthritis • Incontinence • Multiple Sclerosis Parkinson’s • Alzheimer’s • Lymphedema • Cardiac Rehab III

Let our skilled & caring therapists make a difference in the quality of your life! 669 Mullis St, Suite 102 • Friday Harbor, WA 98250 • 360-370-5226


Senior Resource Guide

Lahari launches comprehensive caregiving website by DENNIS KING Executive Director of Lahari


rcas Islanders are a hearty lot. We think of ourselves as independent and resourceful, able to do whatever it takes to enjoy and maintain our island lifestyle….and we are getting older. According to the Washington State Office of Financial Management, Orcas has more than twice the percentage of people 65 and over then the rest of the state. Based on statistics from the same office, nearly 300 people on the island are having trouble with at least one Activity of Daily Living such as bathing, dressing, grooming,walking or eating. Spouses, family and friends shoulder most of the support and assistance for their loved ones. There comes a time when one must look for more help, professional caregiving help. Unlike many places on the mainland, where senior housing options exist with various levels of assistance, on Orcas, if you can no longer stay in your home, you probably have to leave the island. However, Orcas has an informal network of 30 to 40 professional caregivers that help make staying on the island possible. Professional home care becomes necessary when circumstances such as illness, cognitive decline, frailty or injury make it difficult to remain safe and comfortable in one’s own home. So when family and friends can no longer fulfill the needs of a loved one, who can one contact for help? Lahari, has been supporting our caregivers for many years by sponsoring training and certification, as well as providing courses for continuing edu-

2015 Senior Faire

Staying on the island we love


ow do I apply for Medicare or Medicaid? How do I find and hire caregivers on the island? These and many other questions about aging on Orcas will be answered at the 2015 Senior Faire on Wednesday, Oct. 28, at the Orcas Island Senior Center. The faire consists of informative panels and entertaining sessions dealing with the sometimes unique challenges of aging and staying here on Orcas, as well as information tables describing various senior services available on the island. Sessions will include Medicaid, Medicare and You; How to Fall, or Not!; Lions Mobility Assistance Equipment Loaner Program; How to Hire a Caregiver; Emergency Flight Insurance Programs and more. This free, day long event is sponsored by Lahari and the Orcas Island Senior Center Operations Committee. Doors open at 8:30 a.m. for coffee and registration, and the first panel begins at 9 a.m. A one hour lunch break begins at 11:45 a.m, with lunch for seniors provided by donation at the Senior Center, and the conference will end at 4 p.m. Please RSVP if you will be joining us for the Senior Lunch by emailing orcasseniorcenter@gmail.com. For more info, call the Senior Center at 376-2677 or www.orcasseniors. org/2015seniorfaire.htm.

cation credits. Lahari is now developing a website that can connect Orcas Islanders who have caregiving needs with local Orcas caregivers. The site, Orcas Caregiving Connection, will provide a directory of local caregivers and information resources for care seekers, caregivers, as well as individuals who would like to become caregivers. The need for trained caregivers is rising rapidly due to the fact that not only is the island getting older, but so are our caregivers. Some of our caregivers have been helping islanders for over 25 years and we now need to recruit and train future caregivers to meet the increasing need. Lahari will not be employing, recommending or endorsing any care provider or care seeker using the website, but will be providing information and tools to help care seekers and care providers connect and make informed decisions. Orcas Caregiving Connection, located at orcascaregivingconnection.org will be launched at the 2015 Senior Faire on Oct. 28.

Services for Seniors

Over 500 Large Print titles Audio books on CD Downloadable ebooks and audio books, Friendly assistance with your mobile devices, Deposit collections at Orcas Senior Services and Orcas Longhouse, Home delivery service available, and more! Call us at (360) 376-4985

Physical fitness is just as important in your 60s as it is in your 20s. Orcas Athletics & CrossFit has so much to offer to our senior population, such as, Water Aerobics, Ageless Strength and Pilates on the Ball. Not to mention our personal trainers who are willing to help you reach your goals and much more! Stop by today! 360.376.6361 188 A Street • Eastsound www.OrcasAthletics.com


Senior Resource Guide

The Hearts and Hands program on Orcas Island by DIDIER GINCIG Hearts and Hands Coordinator


wanted to take this opportunity to give you an update about our Hearts and Hands program, and let the community know great things are happening at the Orcas Senior Center. While the main goal is to create matches between volunteers and seniors (and individuals with disabilities) as well as meeting the needs for one-time requests for assistance, Hearts and Hands has expanded to work with the senior center manager in a variety of ways to help the center not just survive but thrive and make it the best it can be. Being a presence at the senior center and making connections in the community is quite a pleasure. It is difficult to put a value on human connection, on being available to listen, to care, to be present to hear about a request for help or share enthusiasm. I am honored to be part of an evolving team. There is a lot to solve as the population of the island ages. Issues include transportation (on and off-island for medical needs, for example), helping people be able to age in place, ways to help seniors and individuals with

disabilities thrive by offering resourc- the spirit of collaboration it feels like es, finding ways to bring non-drivers a great team that is getting stronger. to enriching events, dealing with care- And what a pleasure it is to work with giving and dementia, finances and Jami Mitchell, our new enthusiastic more. and hard-working team member. One thing I want to impress upon Our team is working on solutions in collaboration with other entities such you is while we are here to help meet as Lahari, the Orcas Island Community the needs of seniors, we are also here to bring great proFoundation, service organiza- What peace I’ve found reading grams for younger seniors and tions, churches, to someone who is dying or people of ages. I businesses, and caring individu- recovering from an illness. often hear, “I’m als.Solutions too young to include: workshops to help people go to the senior center.” We are figure out aging in place and finances going to change that myth! Soon (Medicaid, Medicare, etc.), bringing enough we’ll see you at terrific lecin experts in the field of dementia tures, classes, workshops, informato help spouses with partners who tional and fun gatherings, exercise have dementia; creating more oppor- classes, concerts, dances, birthday tunities for respite care for family parties, Seniors Have Talent show caregivers; effective communication (save the date: Nov. 7), and various for helping non-drivers with trans- multi-generational events for which portation; access to meals for seniors we rent the Betty Lundeen Room. By who may not be cooking healthy the way, it’s really fun to have lunch meals for themselves; finding more and friendships with people in their ways to develop human connections 70s, 80s, and 90s (lunch is Monday, and develop a data base of qualified Wednesday, Friday at noon). caregivers. You don’t have to be a senior to We have a great partnership with set up a foot care appointment (376the county at the senior center to 2677). You don’t have to be a senior help meet the needs of seniors. With to become a member of the senior

center. Come see our art shows. This month’s show is an amazing display of Frank Loudin’s work. Would you like to lead a class or a workshop? Do you know of interesting speakers who you would like to invite to offer a lecture? Do you have extra produce to donate? Many seniors grew up accustomed to eating food that was grown in their garden. They appreciate the local food surplus that they get to take home or consume at senior lunch. Call me to discuss ways you can help with Hearts and Hands and the Orcas Senior Center. Let me know about referrals for someone who could benefit from Meals on Wheels or a friendly visit from a Hearts and Hands volunteer. We have a team of volunteers, and you are invited to join us. You'll find it gratifying. When I chop kindling for someone in the winter and stack their wood, I find that as I walk away, I feel good. What peace I’ve found reading to someone who is dying or recovering from an illness. It’s satisfying to bring by library books, audible books and stick around for tea and play a CONTINUED ON PG 7

PeaceHealth is proud to serve our community so you get the care you need, right here on the island. Primary care n Emergency services n Laboratories n

Visiting specialists n Diagnostics n Cancer center n

1117 Spring Street, Friday Harbor n 360-378-2141



Senior Resource Guide

Senior services for San Juan County residents submitted by SENIOR SERVICES OF SAN JUAN COUNTY


enior Services programs are offered under contract with Northwest Regional Council through the San Juan County Health and Community Services Department with significant support from the senior services Council of San Juan County, Inc., a Washington 501(c) (3) non-profit corporation. San Juan Island, Orcas Island, and Lopez Island each have their own Senior Center, which serve as resource and information centers for all programs affecting those over age 60, and those adults who are disabled. The senior centers on all three islands serve congregate hot lunches. The lunches are served twice weekly on San Juan Island and Lopez and now three times weekly on Orcas. We ask a modest donation to cover the cost. Meals are also delivered to the home bound. These home delivered meals are most commonly known as “Meals on Wheels.” The centers also provide a focus for organized social activities, and educational presentations, which provide opportunities for seniors to remain active in the community. Our job at Senior Services of San Juan County is to assist seniors in remaining independent and in their own homes for as long as possible. We offer supportive services such as: Senior Information and Assistance, Congregate Meals, Home Delivered Meals, Respite Care, Case Management, Family Caregiver Support, and Transportation assistance. We are also a resource to those under 60 who provide care or help to parents, older family members or neighbors. Volunteers are needed to help with

many programs and with fundraising projects. The goal of community-based supportive programs is to help seniors and adults with disabilities live in their homes and communities for as long as possible, postponing or eliminating the need for residential or institutional care (such as nursing homes.) Community-based care is overwhelmingly preferred

by consumers and caregivers of all ages. For further Senior Services infor, contact any of the three senior centers: Mullis Community Senior Center at 378-2677 Orcas Senior Center at 376-2677 Lopez Senior Center at 468-2421

Think “Village at the Harbour” when you want a little extra help... The Village has Retirement Living, Assisted Living and Short Stay options. Private studios and 1-BR apartments Support services available when requested provided by 24-hour staff Restaurant-style meals made from scratch and served three times daily Weekly housekeeping and laundry services Daily activity programs Stay a few days, a month, or longer! Conveniently located next to the Mullis Senior Center and across the street from Market Place. The perfect choice when you don’t require daily medical care. Enjoy the privacy of your cozy apartment with help available when you want it. The Village is a great option for recovery from temporary illness or procedures with your doctor close by and staff to assist with personal care.

Village at the


www.villageattheharbour.com (360) 378-7144 • email: sjal@rockisland.com • 543 Spring Street, Friday Harbor


Senior Resource Guide

What's happening at the Orcas Island Senior Center submitted by the ORCAS ISLAND SENIOR CENTER


nergy is high at the Orcas Island Senior Center as increases in personnel and programming invigorate the community center. Member activities are on the rise with new benefits added and more classes, events and field trips on the horizon. Check the activities calendar at www.orcasseniors.org to learn more. The Senior Community Meal program is booming with a recent expansion that adds a third weekly meal. They are served Mondays, Wednesdays, and Fridays beginning with a salad bar at 11:30 a.m. People 60 and older are encouraged to attend for good food in a warm social setting with a suggested donation of $5 per meal. The cost for guests under 60 is $6 per person. The center is seeking volunteers to help clean up the lunchroom following meals. Email orcasseniorcenter@

gmail.com or call 376-7929 to offer your time an hour per week in support of this highly utilized senior lunch program. The community meal is a collaboration between the Orcas Senior Center, San Juan County and Meals on Wheels and More operated by the non-profit Whatcom Council on Aging. Together, these groups provide meals both at the center and to homebound seniors unable to attend the meals. Those qualifying for home deliveries get hot meals delivered to their door three times per week. Including both community meals and home

deliveries, the partnership provided 8,800 meals on Orcas in 2014 and expects to do even more in 2015 with the expanded lunch calendar. A critical piece of the meal program is volunteer drivers. The center is always looking for people willing to drive one or two days a month to bring seniors to lunch, to deliver Meals on Wheels and to drive seniors on and off-island for medical appointments. Call 376-2677 to inquire about becoming a volunteer driver. For people who prefer to donate goods rather than time, the center accepts items of value in good condition year-round in preparation for its annual Granny’s Attic rummage sale. They are also looking for artwork donations for the Black Tie Art Auction scheduled for next June. If you have art in storage or on your walls that you are swapping out, consider gifting them to the center. All donations are tax deductible. An easy way to support the

senior center and reap the rewards is to become a member. Membership is open to all ages as are member benefits. Membership fees of $20 per year for an individual and $35 for a dual membership support the center’s operations. Active members receive a monthly newsletter and are eligible for a variety of member benefits including numerous local discounts such as $5 tickets to Orcas Center shows, access to the athletic club and a slew of classes and events held at the senior center. Membership applications are available at the senior center or by calling 376-2677. The Orcas Senior Center is delighted to have improved parking due to the support of San Juan County which paid the majority of the bill for the upgrades. The nonprofit that operates the center must contribute $12,500 to the project costs and is fundraising for their portion of the bill. Ultimately, the center

would like to see all of Henry Road paved and wants to secure funding for its portion of that project as well. The center also needs a donated or reasonably priced passenger vehicle for transporting seniors. Currently, the center has vans but no passenger car, which would be more efficient for off-island medical trips and easier to maneuver for those who've had recent surgeries. Anybody interested in making a tax deductible donation or with a lead on a reliable passenger car, can contact Jami Mitchell at 3767929 or orcasseniorcenter@ gmail.com. The calendar for the Orcas Senior Center lists a number of upcoming events which the community is encouraged to attend. The monthly Afternoon Tea is a free event hosted every third Thursday at 2 p.m. and includes live music, free food and beautiful table settings. Volunteers CONTINUED ON PG 7


Senior Resource Guide HEARTS AND HANDS FROM PAGE 4

card game. Tell your neighbors and friends. Do you know of someone who could benefit from a meal, a ride, a phone call, friendly company or light housekeeping? We are seeking volunteers for one-time Hearts and Hands projects, one-on-one matches, drivers for senior lunch and delivering Meals on Wheels and drivers to bring people to appointments. Hearts and Hands is participating in the process of putting together an Orcas Island Village to to help seniors


interested in helping can contact Mitchell to make or serve tea sandwiches and baked goods. The Senior Faire is Oct. 28. There will be a variety of free sessions on pertinent topics such as Medicaid and Medicare, caregiving connections and issues surrounding aging. Seniors Have Talent is a benefit show planned for Nov. 7 and will feature delicious food and lively entertainment. The annual Holiday Festival of Arts is slated for Nov. 28 and signals the arrival of the holiday season on Orcas.

age in place. (see www.vtvnetwork. org). We'll keep you updated. Part of my role at the senior center is to help raise funds to keep our programs thriving. Funding helps us be available to proactively reach out to our ever growing senior population, to adapt and change, and be effective. Send donations payable to Hearts and Hands and/or the Orcas Senior Center at P.O. Box 1653 in Eastsound. For more information about Hearts and Hands, email me at orcasheartsandhands@gmail.com, call the office at 376-7723, or call my cell at 2980362. A vibrant community hub, the Orcas Island Senior Center is dedicated to serving elders on Orcas and offers a wide variety of health and well-being programs such as exercise classes, community meals, foot care appointments, social gatherings, field trips, Hearts and Hands matches and transportation assistance. The center thrives because of community support and asks for interested volunteers and donors of all levels to consider contributing. Tax deductible gifts can be made to the Orcas Island Senior Center, PO Box 1653, Eastsound, WA 98245.

Lopez Island Hospice & Home Support is a skilled volunteer organization that provides hospice and home support services and resources to the Lopez Island community experiencing illness, injury, and/or loss.

Professional Case Management Chore and Respite Service Errands and Transportation Durable Medical Equipment Support Groups For more information, call 468-4446 admin@lihhs.org www.lihhs.org

• Is Dad getting enough nourishment? • Is Mom socializing enough? • What about their health? • Are they really safe? Voted Best Retirement Community in Anacortes


Home-cooked meals • Housekeeping • Linen Service • Activities Entertainment & more! All on one level • Staffed 24 hours a day • Studio, one & two bedroom

Providing a truly unique senior living community for those with memory loss.

www.capsantecourt.com 1111 32nd St., Anacortes • (360) 293-8088

(360) 836-4573 • 3502 K Ave, Anacortes, WA 98221 www.lighthousememorycareanacortes.com

Hamlet House Adult Family Home Now Has Openings Attentive, professional 24-hour care for your loved one on Lopez Island

Our nurturing staff creates a welcoming, home-like environment where those needing assistance with the activities of daily life feel safe and valued. Six private rooms are located on the first floor. The large, sunny living room overlooks the gardens and Hamlet Green. Residents enjoy three healthy meals and snacks each day, plus housekeeping, laundry service, medication supervision and assistance with daily needs. Days are enjoyable and interesting. Sit and Be Fit exercise, afternoon movies, porch gardening, bingo, and help connecting with family and friends are just a sampling of the sweet flow of life at Hamlet House.

Both full-time and respite care now available Monthly rate: $5,300/month; lower rate may be available for those with limited resources More information, please call Administrator Nichelle Sorenson at 468-3800 | www.lopezhamlet.com

Earn your DSHS Home Care Aide Certification On-line Caregiving is a profession in high-demand and earns good wages. You can obtain Home Care Aide certification right from home. Cornerstone is a locally owned (Friday Harbor) DSHS certified caregiver training company. Certification can be obtained online. In Washington, HCA certification is required for employment in Assisted Living Facilities, Adult Family Homes, and Home Care Agencies. Are you a private caregiver seeking professional credentials or would you like to enter this growing field?

Medical care for all on Orcas Island

Next door to Orcas Center on Mt. Baker Road, we provide care for newborns to seniors, whether year-round or seasonal residents. Camille Fleming, MD, MBA Anthony Giefer, MD, MPH

360-376-2561 orcasmedicalcenter.com

Cornerstone Healthcare Training Company, LLC PO Box 519, Friday Harbor, WA 98250

(206) 673-2919

A Family Care Clinic of

chtcompany@gmail.com • www.chtcompanyonline.com

Your Medical Home Team on Orcas Island

Restoring Independence and Changing Lives In-patient and out-patient, physical, occupational and speech therapies Respite care • Long term skilled nursing care • End of life care At Life Care Center of the San Juan Islands, we provide a variety of services designed to put each resident’s needs as top priority. We accept Medicare, Medicaid, private pay and most insurances.

Visit us online


660 Spring Street, Friday Harbor, WA 98250

For more information, please call


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Senior Resource Guide - 2015  


Senior Resource Guide - 2015