For many people over 55, back pain, sciatica, or disc issues become a daily reality. Discover a natural, customized approach to long-term relief.
8 Creating
Connections
Research shows that loneliness among seniors may increase the risk of many health issues. Senior care communities are striving to give residents opportunities to engage.
11Be Mindful
Dementia can’t be reversed, but symptoms can be
slowed down with specialized activities and family engagement
14 Future-Proofing Your Home
Seniors who want to stay in their home can take a few steps to make sure the place they love remains safe, comfortable and accessible, but the question may be where to start.
16 2025-2026 Medicare
Each year, seniors face new changes to their Medicare insurance, and luckily, 2025 rulings will save them money.
It’s probably time to give your bucket list the attention it deserves. As cliché as it may sound, life’s too short for regrets.
20 Lifelong Earning
“How you think about wealth during your working years is very different from how you think about making your money last for the next 30 or 40 years of retirement.”
22 Hospice Care
Information and some helpful tips on how this service benefits the entire family in time of need.
24 Timeless Beauty
Photoaging is premature aging from the sun, and because of the intense high altitude UV (ultraviolet) levels in the Colorado Rockies, it’s especially important to protect your skin from sun damage.
26 Top to Bottom
Since our risk for health issues increases dramatically as we age, it’s crucial to take control of your health by seeing your practitioners regularly and following a healthy lifestyle.
29 Volunteer Senior citizens who are looking for ways to get involved in their community can apply for the Senior Citizen Property Tax Work-Off Program offered by the Thompson School District.
31In-Home Care
Whether the need arises suddenly or gradually, understanding when to seek help, how to prepare and what to look for in a care provider is crucial.
still struggling with BACK PAIN or SCIATICA?
Discover a Natural, Customized Approach to Long-Term Relief
by Staff, Althoff Wellness Clinic
For many people over 55, back pain, sciatica, or disc issues become a daily reality. You’ve tried stretching, rest, maybe even medications or injections — but the discomfort keeps returning. Why?
Because most treatments only focus on symptoms, not the root cause.
At Althoff Wellness Clinic in Windsor, we believe in going
deeper. For over 22 years, our team has helped thousands of patients regain mobility, reduce pain, and return to doing what they love — using natural, non-invasive treatments designed around you.
Why Back Pain and Sciatica Keep Coming Back
Your spine is a complex system of bones, discs, nerves,
and supporting muscles. As we age, these systems can begin to break down:
l Discs can bulge, herniate, or degenerate
l Muscles may weaken or spasm
l Nerves can become compressed or inflamed
l Circulation may slow, impeding healing
Most conventional treatments like painkillers or even some physical therapy approaches focus on managing discomfort rather than resolving the underlying dysfunction.
Our clinic’s mission is different: We identify what’s causing your pain and build a treatment plan that helps your body heal from the inside out.
Advanced Technology Meets Whole-Body Healing
We offer a variety of cutting-edge, FDA-cleared therapies to support spinal recovery, reduce inflammation, and improve nerve function. These may include:
l Spinal Decompression Therapy
– Relieves pressure on compressed discs and nerves
l SoftWave Therapy – Stimulates tissue repair and increases blood flow
l PEMF (Pulsed Electromagnetic Field Therapy) – Promotes cellular repair
l Neuromed & Electrical Muscle Stimulation – Reboots nerve and muscle activity
l Class IV Laser Therapy –Speeds healing through lightbased cellular stimulation
l Chiropractic Adjustments –Aligns the spine and improves nervous system balance
Not every patient receives every therapy. Your plan is built around your unique needs and root cause, not a one-size-fits-all checklist.
We often complement physical care with targeted nutrition and supplementation to support healing from the inside out.
Experts in Complex, Chronic Conditions
If you’ve tried other treatments without success, you’re not alone. Many of our patients come to us as a last resort—and are amazed at the relief they find. We specialize in helping people with:
l Peripheral Neuropathy –Numbness, burning, or tingling in the hands and feet
l Chronic Spine Pain – Pain that persists despite prior care
l Disc Conditions – Bulging, herniated, or degenerative discs
l Sciatica – Radiating nerve pain from the lower back into the legs
By treating the problem at the source — and from multiple angles — we often see dramatic improvements in both pain and quality of life.
A Windsor Clinic with Decades of Trusted Care
As a long-standing part of the Windsor community, we’re proud to have helped thousands of local residents live more active, pain-free lives. Our warm, compassionate team listens closely, provides in-depth evaluations, and tailors each plan to your needs and goals.
Take the First Step Toward Real Relief
You deserve to move, sleep, and live without constant discomfort. If you’re ready for a personalized, holistic solution — not just a temporary fix — we’re here for you.
Althoff Wellness Clinic –Windsor
Call: (970) 686-6833 Visit: www.drjillalthoff.com
Let’s uncover the root of your pain — and help you get back to the life you love.
How NOCO Senior Living Communities Foster Social Engagement and Well-Being creatingCONNECTIONS
by Sarah Fuhrey Huber
Research from the University of Colorado Boulder recently showed that loneliness among seniors may increase the risk of cardiovascular disease, dementia, stroke, depression and anxiety. However, senior care communities throughout Northern Colorado are striving to give each of their residents “countless” opportunities to engage with other humans, said Pam Webb, sales manager at Brookdale Mariana Butte in Loveland.
Trudy Stephens, community manager at Avenida at Centerra in Loveland, added, “Residents become an extension of family. They look out for each other, support each other and step up when someone needs a friend.”
At Morning Star at Old Town in Fort Collins, life enrichment director Ingrid Lehmann has seen residents blossom around fellow seniors time and again. “Many residents have an adjustment period, but in about three weeks, we see such a change in people,” she said, recalling, “One of our residents didn’t want to leave her room at first and experienced a lot of melancholy. We kept visiting, showing up to say that we care and talking to her as she felt comfortable, and we invited her to events that we thought would interest her. Within a few weeks, she was such a happy person again. A little light had sparked.”
Lehmann aims to ignite that spark in all residents at MorningStar at Old Town by “offering engagement and activities that truly interest them.” This spring,
for example, a resident who led a theater group years ago expressed interest in starting a similar group at MorningStar. Within days, Lehmann issued a call for a theater club, and the community is anticipating the possible staging of a production. Other activities that fill the life enrichment calendar at MorningStar include book and game clubs, religious services and holiday celebrations, weekly shopping trips, hiking and driving expeditions, musical performances and art classes.
Curated Activities for Frequent Connection
Tailoring activities to the residents at hand resonates throughout the senior living communities of Northern Colorado. At The Wexford with Columbine in Loveland, residents meet monthly to personalize their activity calendar and ensure it reflects their interests, said Sam Bonnell, Wexford administrator. Reflecting their focus on joy, residents at Avenida at Centerra refer to their lifestyle coordinator as their in-house “leader of fun.” Stephens said, “Residents have the opportunity to start the day with a fitness class, attend a travel presentation, take in a round of pickleball, learn a new step in a line dancing class, enjoy a meditation sound bath and end the day with dinner at the food truck and a dip in the pool.”
In anticipation of the grand opening of The Gallery at Fort Collins this fall, a rich life enrichment calendar is a top
continued on page 10
(Courtesy/Avenida at Centerra)
priority for the community, said Bryan Sanchez, director of sales at The Gallery. The Gallery is partnering with the CSU Alumni Association to invite residents, including those who are not CSU alumni, to enjoy the benefits of association membership. Some of these perks include a travel program, events with the Fort Collins Symphony, access to the Osher Lifelong Learning Institute and a multidimensional culinary program. Partnerships like these, he said, “will enhance the lives of our residents and keep them healthy, active, engaged and inspired.”
Social Engagement for Physical, Mental and Emotional Health
Sanchez is motivated by the understanding that “the impact of regular social engagement has a significant impact on a resident’s physical, mental and emotional health.” In fact, CU research has suggested that frequent social engagement, alongside exercise and mental stimulation, may stave off dementia.
For this reason, a walking group or the many classes at senior living communities pro-
vide an ideal blend of exercise plus companionship. In class, the concentration is generally on long-term health, stability and daily living comfort. At Brookdale, movement classes can look like a contemplative session of chair exercises or a hilarious round of balloon volleyball. “Our residents love this, and some are quite competitive,” Webb said.
To promote balance and invigorate blood flow, Lehmann facilitates yoga and tai chi for residents across MorningStar’s continuum of care. Once a month, residents flock to line dancing and ballet, “which are especially fun ways for our residents to exercise,” she said. “They’re working on balance and stability while laughing and smiling.”
That’s no surprise, as regular movement can stimulate the release of endorphins and dopamine. Pumping blood to the brain can likewise support clarity of thought and may reduce memory loss, anxiety and depression, said Lehmann.
Sitting down to a nutritious meal with friends can also be integral to a resident’s physical and mental health. “Even for
seniors who stay in their rooms more, most are gathering with others in our dining room at least once a day,” she said. Many senior living communities serve meals restaurant-style and cater to a wide range of dietary and culinary preferences.
As for mental and emotional health, MorningStar at Old Town draws on the retired CSU professors in their midst to schedule frequent lectures and talks, in addition to presentations by community leaders. At Brookdale, a class of fifth graders stopped by in May to
play Jeopardy with residents. At Wexford, residents congregated outside of facilitated activities “to play board games, card games and other activities that engage both the mind and the heart,” Bonnell said.
Living in a senior living community may decrease a resident’s stress levels, another mental health bonus. Sanchez explained that in senior living residents no longer worry about maintaining a home, and they have easy access to health services, including physicians on call, nurses and therapists.
For some, he concluded, senior living communities can be transformative “when you take into account the relationships built — something that you can’t put a dollar amount to — and the overall improved health of the resident.”
(Courtesy/Brookdale Mariana Butte)
(Courtesy/The Wexford, Columbine Health)
BE mindful
How Specialized Programs Are Enhancing Quality of Life for Seniors with Dementia
by Shelley Widhalm
Dementia can’t be reversed, but the effects of the symptoms can be slowed down with specialized activities and family engagement, something memory care facilities in Northern Colorado are sure to include in their programming.
“The residents who do come in, we work on maintaining that level of cognition they have,” said Tom Finley, CEO and founder of Ascent Living Communities in Centennial. “We do see it slows down the progression of the disease.”
Ascent Living operates six living communities comprised of 750 residential apartments, including three in Denver, one in Lakewood, one in Glenwood Springs and the newest one in Greeley. The company offers three levels of care for independent living, assisted living
and memory care with amenities such as life enrichment activities, fitness, fine dining and daily entertainment.
“Our overall approach to memory care is encapsulated in our Touchpoints program,” Finley said. “It effectively is our philosophical approach to how we work with residents and families whose loved ones have some sort of diag-
nosis of dementia, the most common being Alzheimer’s.” Touchpoints is a personalized memory care approach that brings together residents, families and care partners to create a nurturing environment and celebrate the individuality and stories of the residents. The approach is based on five philosophies:
l Protect by developing residents’ individual safety plans
l Empower by allowing residents to customize their daily experiences
l Affirm by recognizing the individuality of each resident
l Comfort by addressing both physical and emotional needs
l Engage by creating a purpose-filled life through daily activities and relationships.
“We really try to personalize our care to each resident of our community, and this framework
allows us to do it,” Finley said. “It really sets the base level of how we work with those who have cognitive disabilities from dementia.”
Touchpoints provides programming that’s meaningful to the residents, like getting them out in the community doing activities such as visiting museums or going on tours to see fall colors. There’s also things like music therapy and cognitive exercises, such as talking about current events. Learning new things helps slow down the progression of dementia. The idea is to help seniors connect with what’s personally important to them, give them a full life, talk about those things and keep their memories at the forefront, Finley said. They often can remember things from early in life but not what they did a couple days ago, he said. “Those are the things that made them happy and gave them a lot
of joy in their life,” Finley said.
Another facility focused on seniors with dementia is Columbine Health Systems. Their facilities include a home base in Fort Collins, along with Loveland and Windsor. Columbine Health serves up to 875 residents with levels of care for independent living, assisted living, skilled nursing and memory care, plus there are home care services. Staff are trained in the best ways to interact with individuals with dementia and create individual care plans for each resident to meet their unique needs.
Columbine Health partners with Dementia Together, a Windsor-based nonprofit focused on three pillars of education, enrichment and community support. For instance, enrichment activities include exercise, music, art and games offered seven days a week at all levels of care. There are also community performers, entertainers and therapy animals who provide regular visits.
“With dementia, they’re still experiencing daily life through emotions, sensations
and interactions with others,” said Cathy Franecki, RN, BSN, director of clinical services at Columbine Health. “We try to support them where they’re at in the moment. We’re engaging them and slowing down the progression of dementia.”
The residents might not remember details, but they can remember emotions, and Columbine Health creates safe places to guide them through the process, Franecki said.
One approach is the Memory Café, a specialized type of enrichment activity offered on a quarterly basis through Dementia Together and tailored for the secured units in assisted living and skilled nursing care. The cafés are centered on bringing residents and their families together for movement, games and songs with a focus on memories and feelings to create a sense of calm.
“We invite residents and family members, the important people in their life,” Franecki said. “It’s a hard decision to have loved ones leave their home, and we recognize that. We want to be an extension of their family.”
Get local help with your Medicare questions.
I’m Diane Brush-Goldsberry, a licensed sales agent in Colorado and supporting 37 other states. When it comes to Medicare, it’s important to consider all of your options. What works well for your neighbor may not be the best fit for you. I know the ins and outs of Medicare, and I’m ready to answer your questions and help you find a plan that fits your needs.
Take advantage of my knowledge and experience to:
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I look forward to helping you explore your Medicare options so you can enroll in a plan with confidence.
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FUTURE-PROOFING your home
Essential Home Improvements for Safe and Comfortable Aging
by Shelley Widhalm
Seniors who want to stay at home can take a few steps to make sure the place they love remains safe, comfortable and accessible, but the question may be where to start. They likely will want to avoid too many stairs or two levels, add rails in bathrooms and make sure surfaces aren’t slippery. They will probably want to have some kind of security system in place and be able to easily signal for help.
Security can start with something like window treatments, which can be set to open at certain times of the day. “A big deal is motorization of blinds, so seniors can operate them with a button on the remote or on their
phone,” said Judy Magara, owner and designer of Colorado Blinds & Designs in Loveland.
Draperies also can be motorized, though they’re typically pricier. Blinds are less expensive and fit inside the window — it’s best to use cordless blinds, now a requirement to avoid tripping, choking and other safety hazards, Magara said. “A lot of my seniors like draperies because that’s what they grew up with and are used to,” Magara said. “They think it’s softer and prettier. There are some really beautiful blinds too though.”
Magara, who also sells area rugs, recommends seniors opt for thin ones to prevent them from
buckling and becoming a trip hazard. Rugs should have a pad underneath to avoid sliding and be placed in low traffic areas, such as under a dining room table or beside a sofa, and not in entries and walkways.
Another recommendation is skylight shades and awnings to reduce heat and sun glare, which can cause furniture and other items to fade and discomfort in the home. “So many people have west-facing patios making it too hot to be out there,” Magara said.
Another way for seniors to stay comfortable is to make sure they have a good fiber connection — a fiber-enabled home also
increases property values. “It’s a relatively cheap thing to do with a significant payback,” said Lindsey Johansen, communications and marketing manager for Pulse Fiber Internet.
Pulse Fiber Internet, a municipal fiber-optic internet, voice and television provider in Loveland, helps seniors get set up with connectivity, providing extra tips if they need it.
Being connected to the internet gives seniors several benefits, including access to remote work, entertainment and educational opportunities, online newspapers and social platforms. Seniors can connect their devices to the network to be able to use apps to
program and access them. They can have remote home monitoring systems, connected to the home’s alarm systems and thermostat, as well as the doorbell to navigate visitors without having to unlock the front door. They can use the systems to set home maintenance schedules, share information like calendars and checklists with family members and add a level of safety through monitoring devices that may detect falls and other emergencies.
Seniors also can have emergency connectivity through a phone line provided over the internet in the case of a power outage, as long as they have battery backup power. “If somebody wants to do that themselves, user interfaces on apps are user-friendly and are easy to use,” Johansen said. “The interfaces make it simpler to manage the devices. If not, they can get support from family and friends.”
Seniors can use an app on
their phone to control a TV set and to automate things like lights, window coverings and even coffee makers when they’re not home. “The possibilities are endless for anything that can be tech-enabled. It’s done all through the apps or is browser or cloud-based,” said Fred Jacobs, public relations and brand
engagement manager for Pulse Fiber Internet. “It gives them confidence, and therefore they are not worried about all these things… They don’t feel like technology is passing them by. The biggest thing for the senior population is to just get started with technology, not be afraid of it and to ask for help.”
To help with their questions, Pulse Fiber sponsors a Digital Navigators Program through a partnership with the Loveland Public Library. The program provides device support, offering tips on how to use the devices and do tasks like creating emails or filling out online forms. Anyone can access the program, not just Pulse subscribers.
“It’s connectivity to the greater world,” Johansen said. “More of that is moving access to services online. It’s having good connectivity to access services and knowledge of how to do that.”
Seniors thinking of going remote don’t need to be afraid of making changes to improve their lives, Johansen said. “You want to make sure you have reliable service and to ask for help,” Johansen said. “It’s everything from conversations to security, and not being afraid to jump in and participate with technology. We have resources to help with the endeavor.”
Eric Crenwelge Field Operations Supervisor with Pulse Fiber Internet gives consultation. (Courtesy/Pulse Fiber Internet)
2025-2026 Medicare:
Changes Result in Savings for Seniors
by Shelley Widhalm
Each year, seniors face new changes to their Medicare insurance, and luckily, 2025 rulings are saving them lots of money if they need several costly prescriptions.
“What seniors should be doing is, one, they should review their plans,” said Daniel Martin, national sales representative for Premier Insurance Partners in Loveland. “The reason being is those plans will change every single year. The cost sharing and benefits can change.”
Changes to Medicare plans are introduced in September or October for the next calendar year. For 2025, the
out-of-pocket prescription cap for Medicare Part D enrollees was adjusted from $8,000 to $2,000 annually through the Inflation Reduction Act, which introduced measures to lower prescription drug expenses. Medicare Part D is for prescription drug coverage on top of Original Medicare, or Parts A and B. Part A covers hospital and skilled nursing services, while Part B takes care of doctor visits, outpatient services and preventative care. The cap includes deductibles, copayments and coinsurance.
“People on higher-costing medications are seeing a lot
of relief this year,” said Dan Kuntz, Medicare specialist for the Investment Center Advisor Group in Loveland. “It is saving seniors money in 2025 versus 2024.”
Another prescription change is the elimination of the donut hole, a temporary gap in coverage when spending reaches a certain threshold, requiring payment of a higher percentage of the total drug cost. The gap was eliminated Jan. 1, 2025, through the Inflation Reduction Act. “It was a very pricey time of year for people, which varied based on their prescription costs,” Martin said.
Starting in 2025, seniors can spread out their payments for their prescriptions in a 12-month payment plan, instead of spending $2,000 over the first few months. If they get insulin, their costs are capped at $35 per month, and if they’re at 150% or less of the federal poverty level, they are eligible for low-income subsidies to assist with premiums and copayments.
“When these types of changes take place, the carriers review the plans each year. They submit them to Medicare for review and approval,” said Diane Brush-Goldsberry, owner of DCT Insurance in Loveland. “But like all companies in business, they look at what benefits are being utilized by the consumers and adjust each year. With the prescription drug design modified, all carriers this last year had to make difficult decisions as to what they could offer within their plans, what the copays and/or coinsurances would be.”
Another change to Medicare is the rising cost and reduced level of benefits for Medicare Advantage, or Part C. MA is a supplement to Parts A and
B and includes prescription coverage. Some MA plans are increasing deductibles for medical services and prescription drugs. Supplemental benefits like dental, vision and hearing coverage also are being reduced, potentially increasing out-of-pocket costs.
“Their cost sharing at the doctor is going up. They’re having to pay more at the doctor, and their extra benefits are going down,” Martin said. Seniors can get Medigap policies or supplemental plans from major insurance carriers to cover what Parts A and B don’t cover with doctor and hospital visits. “You need something to fill in the 20 percent Medicare gap,” Kuntz said.
The cost of premiums and deductibles for Parts A and B also increased in 2025 due to the rise in health care coverage, since more claims are being filed as the population ages. For instance, the premium for Part B was raised from $174 to $185 and the deductible from $240 to $257.
“As prices go up, seniors have the potential for big savings by looking at other companies that provide those same services,” Martin said. “We help people sort through their different options to make sure they’re able to maximize their benefits to meet their needs right now. The big things are to review their plan options and talk with an advisor or expert that can help them make sure they get everything they’re entitled to.”
Having an advisor helps seniors stay on top of legislation changes regarding Medicare, Martin said. “It’s important because Medicare can change,” Martin said. “A trusted advisor can help keep them up-to-date with all the changes going on.”
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Senior Citizen
Proper t y Tax Work- Off Program
Eligibility requirement s for the program:
• Applicant s must be 62 years of age or older.
• Applicant s must be a homeowner and live in their home, which must be located in the TSD boundary area.
• Only one person per household may apply.
• Applicant s cannot be Thompson School District employees (including par t-time).
Par ticipant s will be paid for a total of 30 hours at minimum wage, which will be applied toward their proper ty taxes.
To apply, go to: tsd.org/volunteer or pick up an application at the 55 & Better Senior Expo on June 11.
Here’s How to Keep Living Life to the Fullest
By Brittany Anas
If you’ve ever caught yourself saying “someday” about a dream multi-generational family vacation, a cozy downsized home or taking a solo trip to, say, explore museums in Florence, it’s probably time to give your bucket list the attention it deserves. As cliché as it may sound, life’s too short for regrets. Therefore, it’s always worthwhile to check in with yourself to find out what might be holding you back from living boldly.
Here’s the thing: You don’t need to be jetting off on a hot air balloon ride over Cappadocia (though, by all means, do that too) to be living fully. Living your best life, and on your own terms, is probably more achievable than you think. By tapping into the right tools and resources locally, it’s possible to reimagine your lifestyle, rediscover your passions (or find new ones) and rewrite your next chapter.
Here you’ll find a few savvy ways to chase those dreams, along with some local resources to help you with your goals — whether that’s downsizing your home to free up some time and money, rehabbing a pesky injury or planning that bucket list trip.
Match Your Dream Lifestyle With Your Dream Home
Your vision of a dream home has likely changed over the course of your life. Maybe it was once a house with lots of square footage and a sprawling backyard. But if you find yourself spending more time maintaining your home than enjoying it these days, it might be time to think about downsizing.
Check in with a local real estate agent who specializes in downsizing.They can help you sell your current home for top dollar and find the right fit for your next chapter. Perhaps that’s a low-maintenance condo near your favorite golf course or a modern townhome close to walking trails and your go-to coffee spot.
Pro tip: Look for a Realtor with the Seniors Real Estate Specialist (SRES) designation. These professionals are specially trained to guide older adults through the unique aspects of selling, buying, relocating, downsizing or even refinancing residential and investment properties.
You can also work with a financial planner and mortgage brokerage like Arnett & Devoe Mortgage Group, which is a lend-
ing firm that serves Loveland and the greater Northern Colorado region, to help you make strategic real estate moves.
Whether you’re looking to refinance to free up cash or finally make that move into a more carefree lifestyle (read: no more lawn mowing), the right lending partner can help you explore your options. Refinancing, for instance, might lower your monthly payments, protect you from rising adjustable rates, or allow you to tap into your home’s equity to consolidate high-interest debt.
Seniors may also be interested in reverse mortgage options, which can provide additional income or financial flexibility while staying in the home you love. You could even work with a real estate team to help you navigate buying that second home in a destination you love. Think: Colorado in the summer and fall in Arizona in the colder months.
Don’t Let A Setback
Steal Your Joy
So you suffered a knee injury playing pickleball, had a surgery or an illness that slowed you down. That certainly doesn’t mean your dreams get benched.
Rehabilitation centers like Northern Colorado Rehabilitation Hospital, a top-ranked facility, don’t just help you recover physically, but they also can help you reclaim your independence, your favorite hobbies and your spark. Whether it’s regaining the mobility to travel again or building the strength to chase your grandkids around the park, rehabilitation can be the bridge between where you are now and the active, fulfilling life you want to return to.
Get Peace of Mind With The Right Health Coverage
Securing a comprehensive health insurance plan is one of the smartest ways to support your
bucket-list lifestyle. A licensed health insurance agent or broker can help you navigate your options, taking your unique needs and budget into account to find the right fit.
From travel coverage to senior-focused wellness perks — like fitness programs, preventive screenings and routine care — choosing the right policy means you can live fully and travel freely. Eliminate the stress of wondering whether an unexpected trip to an out of town Urgent Care will be covered.
Address Any Hearing Issues
If you’re having trouble hearing on the phone or catching the lines in your grandchild’s school play, it might be time to get your hearing checked.
HearingLife, which has locations in Greeley and Loveland, offers free hearing tests. If your evaluation shows you could benefit from a hearing device, their
audiologists will recommend and customize a hearing aid to suit your specific needs and lifestyle. When your hearing improves, so does your ability to engage fully with the world around you.
Plan Your Dream Trip
Thinking about a family getaway with the grandkids? Or ready to dip your toes into solo travel with a guided group tour through Europe? Now that you’re retired, you finally have free time without juggling PTO or squeezing in trips on long weekends. A local travel agent can make planning seamless and stressfree, offering personalized options that match your interests and budget, and taking things like the pacing of your trip and travel insurance needs into consideration.
Whether it’s an itinerary filled with bucket list adventures or a relaxing cruise, all you have to do is pack and enjoy the journey.
Northern Colorado Rehabilitation Hospital is ranked in the U.S in the Top 10% for patient care. And, we’ve earned The Joint Commission’s Gold Seal of Approval for our Advanced Stroke and Brain Injury Programs.
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lifelong EARNING
How to Create Reliable Income in Retirement
by Sarah Fuhrey Huber
The strategy that gets you to retirement isn’t always the one that will carry you through it. Jack Carlson, retirement income strategist with Unbridled Wealth in Denver, explained, “How you think about wealth during your working years is very different from how you think about making your money last for the next 30 or 40 years of retirement.”
Carlson guides clients to consider two types of income streams in retirement: Guaranteed streams to cover essential
expenses for daily living and variable income streams to fund flexible expenses like travel. For guaranteed streams, many of Carlson’s clients invest in a fixed index annuity with an income rider, often by using funds from a 401K or IRA account. These annuities are issued by life insurance carriers that offer a 6 to 9 percent guaranteed lifetime withdrawal rate. The variable streams, in contrast, can be funded through market-based assets. These offer greater long-term growth potential,
Carlson guides clients to consider two types of income streams in retirement: Guaranteed streams to cover essential expenses for daily living and variable income streams to fund flexible expenses like travel.
though retirees who invest solely in the stock market are encouraged to withdraw no more than 4 percent annually of their overall portfolio balance.
“I’m about helping people eliminate the biggest fear in retirement — running out of money — and want to help people enjoy their retirement more by not constantly being worried about market swings,” he said.
Another source of income in retirement is Social Security, though Carlson offered a few
caveats. Without government intervention, the Social Security Trust Fund is set to run out by 2033, which could lead to
a reduction in monthly Social Security checks. He said, “The longer you wait to start receiving Social Security, the higher
the monthly payout, but oftentimes that still isn’t enough to cover basic living expenses.”
For those who opt for a fixed index annuity with an income rider, healthcare benefits may be available, on top of benefits from Medicare. Retirees who cannot perform daily tasks, such as feeding or dressing, may be eligible to receive double their usual annuity payment.
As for when to consider options like an annuity, Carlson suggests reorienting your investment portfolio within about five years of retirement. “The five years before you retire and the first five years of retirement are the most significant times,” he said. “If you experience a
major market loss during that window, it could be the difference between running out of money in 15 years or leaving a meaningful legacy to the next generation. That’s why now is the time to take control — by building a strategy that protects what you’ve earned and creates lasting income for the decades ahead.”
Unbridled Wealth Retirement Income Strategist Jack Carlson and family. (Courtesy/Jack Carlson & Unbridled Wealth) Shutterstock
HOSPICE care
How It Helps the Whole Family
by Sarah Fuhrey Huber
True or false?
(1) Hospice care is covered by Medicare.
(2) Hospice care supports family members with grief counseling.
(3) Hospice care can include guidance from a social worker about end-of-life directives. The answers are “true, true and true.” Evan Hyatt, president of Pathways Hospice, explained, “Hospice care was an all-volunteer service until the late 1970s, so it’s not a surprise that it is still new to many people.” Under the Medicare Hospice Benefit established in 1982, patients
(Courtesy/Pathways Hospice)
who have a terminal illness with a prognosis of six months or fewer are eligible to receive hospice care.
At Pathways, which serves patients in Weld and Larimer counties, care may be provided in the individual’s home, in a nursing or assisted living facility or in Pathways’ dedicated center. Hospice care is administered by a team of physicians, nurses, certified nurse aides, social workers, chaplains, companionship and respite volunteers and grief counselors. The focus, said Hyatt, is always on “offering compassionate care and helping the individual feel comfortable.”
One way Pathways aims to serve patients is through music and art therapy. “Everything is personalized to serve the needs of the individual,” said Hyatt. For example, a music therapist may use music
to evoke pleasant memories after learning about the patient’s history and preferences.
Hospice care is not only for the patient. “When a volunteer comes to sit with the individual, that also gives the caregiver a break,” noted Hyatt. After a loved one has died, Medicare covers bereavement counseling for family members for up to 12 months.
In collaboration with the Department of Veterans Affairs, Pathways, like many hospice care centers, offers tailored care to veteran patients and their families. Through the program “We Honor Veterans,” volunteers who are veterans themselves make presentations and bring recognition to a veteran patient’s service. Although most of the patients cared for by Pathways are age 85 or older, hospice care is available for all ages, and through Medicaid, families may seek curative treatment while a child is receiving palliative care.
homecarenor therncolorado.com 970•631•8251
(Courtesy/Pathways Hospice)
timeless BEAUTY
How to Start or Enhance Your Skincare Routine After 55
by Barbra Cohn
Photoaging is premature aging from the sun, and because of the intense high altitude UV (ultraviolet) levels in the Colorado Rockies, it’s especially important to protect your skin from sun damage. Whether you’re someone who likes to go to the spa for skin treatments, or give yourself a home-made facial, it’s important to protect your skin in our dry, harsh environment.
Here’s how:
l Wash your face. It’s important to wash twice a day, and especially at night if you wear makeup. Wash with warm water and a mild
cleanser to help maintain a healthy pH of between 4.5 and 5.75. This slightly acidic environment helps maintain the skin’s protective barrier, which is crucial to preventing environmental toxins and bacteria from entering the skin.
l Apply moisturizer every day. You’ve probably noticed that your skin has gotten drier as you’ve gotten older, and may lament fine lines and wrinkles around your eyes and mouth. The good news is that moisturizer traps water in the skin and plumps it up. So make this a part of your daily routine, both morning and night.
l Slather on sunscreen. Find one that offers a broad-spectrum protection of at least SPF 30.
l Wear a hat. Treat yourself to a cute, new style with a wide brim to cover your face.
l Wear protective clothing. Specifically with long sleeves and pants if you’re hiking during the middle of the day. Breathable, lightweight clothing with SPF (broad-spectrum protection) is available at outdoor sportwear companies.
l Eat a whole foods diet. It should include plenty of fruits and veggies, lean protein and healthy fats, like olive or avocado oil and walnuts that contain antioxidants to nourish your skin from the inside out.
l Drink plenty of water. Stay hydrated — by the time you’re thirsty, you’re already dehydrated. Make sure you
get at least 6 8-ounce glasses of purified water each day.
l Use a humidifier. Buy one in your home for added moisture.
l Check your skin. Look for new or unusual changes, i.e. a mole that’s changed in size or color; a flaky scab that doesn’t go away.
l Get restful sleep. It’s called beauty rest for good reason. During deep sleep our body renews, restores and gets rid of accumulated waste products in the brain. And what’s good for the brain, is good for the body.
What not to do
l Stay away from tanning beds and sun lamps. They expose you to harmful ultraviolet rays. You may not be able to reverse the damage that’s been done, but it’s imperative to not go to indoor tanning salons if you want
healthy skin.
l Refrain from using harsh chemicals and soaps.
l Don’t smoke.
l Don’t go to bed without washing and removing makeup.
You may never achieve the flawless complexion you once had. But if you follow the
guidelines for maintaining healthy skin, you can help reduce dryness and prevent further sun damage. For specific questions about your skin, please consult a dermatologist and have a yearly skin check. Local resources include Altitude Dermatology, in Johnstown, or Monarch Dermatology in Loveland.
TOP to BOTTOM
Preventive Care for 55+ to Stay Healthy and Strong
by Lisa Truesdale
Just like our cars need regular maintenance to keep running smoothly, so do our bodies. Since our risk for health issues increases dramatically as we age, it’s crucial to take control of your health by seeing your practitioners regularly and following a healthy lifestyle. Doing both can help prevent chronic diseases, extend your life expectancy and improve your mood as well as your overall quality of life.
Preventive Medical Care
Yearly or twice-yearly wellness checkups with your primary care physician (and specialists,
as needed) include important screenings and vaccinations that can help ward off more serious problems down the road. Your doctor can also monitor conditions like high blood pressure, diabetes, osteoporosis and high cholesterol. Regular vision, dental, hearing and dermatology appointments are also essential for staying healthy. “Routine dental checkups help catch and prevent issues like tooth decay early on,” according to the dentists at Implant & General Dentistry of Northern Colorado, located in Loveland and serving the entire NoCo area. “Additionally, poor
oral health can impact your heart health, and good oral hygiene is also essential for proper digestion, as it allows you to chew your food effectively.”
The physicians at Kirk Eye Center in Loveland are highly experienced in evaluating and treating eye-related conditions in seniors, such as cataracts, glaucoma, macular degeneration and diabetic eye disease. The comprehensive eye-care practice includes an on-site, accredited outpatient surgery center, meaning that all services including optometry are conveniently all under one roof.
Untreated hearing loss is about so much more than not being able to hear. It can diminish your mental sharpness, increase your risk of dementia and impact your social life since you feel left out. HearingLife, with locations in Loveland and Greeley, offers free hearing assessments and 30-day risk-free hearing aid trials.
Holistic Wellness Practices
When it comes to maintaining quality of life for seniors, non-medical treatments and healthy lifestyle habits are equally as important as medical care.
At Chiyu Acupuncture & Integrative Medicine in Longmont, Dr. Erika Marie focuses on acupuncture, a treatment that’s thousands of years old, for relief from conditions like chronic pain, allergies and insomnia. She customizes treatment for each patient. These strategies may include herbal medicine or cutting-edge therapies like ATP Biotherapy; a non-invasive therapeutic approach that uses low-level electromagnetic frequencies to help promote cellular repair and support the body’s natural healing processes.
Karen, a 78-year-old patient who asked that her last name not be used, says a friend recommended that she see Dr. Marie. “I was diagnosed with COPD
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and autoimmune disease,” she says. “After seeing Dr. Marie, my labs are now normal, and I have enough energy to walk my dog, do pilates, spend a few hours gardening and go see a play with a friend, all in the same day.”
Dr. Jeremy Overholt and the team at Inner Vitality Chiropractic in Fort Collins also inform seniors (and patients of all ages) about
the benefits of holistic wellness.
“It’s more than just a trendy catchphrase,” Overholt says. “It’s a fundamental philosophy that recognizes the interconnectedness of every aspect of our being. It encompasses the intricate balance between the mind, body and spirit, acknowledging that each facet influences the others
continued on page 28
in profound ways.” With that in mind, Inner Vitality’s comprehensive services include chiropractic care, neuropathy care, joint pain, thyroid issues, mental health, nutrition and much more.
Other wellness activities seniors might enjoy are meditation, yoga, breathing exercises and massage.
Lifestyle Changes
Much healthy-living advice for seniors is the same as it is for any other age: make nutritious food choices, drink plenty of water, maintain a healthy weight, get a good night’s sleep, don’t smoke and limit caffeine and alcohol. To assist in keeping an aging body in tip-top shape, health experts also advise that seniors should stay as physically active as their body allows, with ability-appropriate activities like gentle stretching, strength training and aerobic exercises.
Silver Sneakers, a nationwide
fitness program for adults 65 and over, advises that walking is the most versatile aerobic activity for seniors. It’s a natural movement that works the muscles continuously and exercises the connective tissues responsible for stabilizing the feet, ankles, knees and hips. SilverSneakers also reports that seniors should avoid exercises like leg presses, crunches, chest presses and running (unless they have been running regularly
• Beautiful, lakeside community
• Spacious, secured exterior patio and walking paths
• MBK Cuisine restaurant-style dining
• Dining area with full kitchen and breakfast bar
• Resident fitness classes and organized activities
Beauty parlor and barbershop
• Transpor tation services 5 days a week
• Monthly Yoi Shigoto community outreach program
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their whole lives). Such vigorous, high-impact exercises could lead to other health problems, or worsen existing ones.
Area senior centers, like the Chilson Senior Center in Loveland and the Fort Collins Senior Center, offer fitness classes geared towards seniors. Many of these classes are in conjunction with the SilverSneakers program, which is free for many seniors covered by certain Medicare
programs. Activities include the ever-popular pickleball, plus 50+ volleyball, community dances and gentle aerobics. At Chilson, seniors can also get a drop-in blood pressure check on the 4th Monday of each month, between the hours of 9 a.m. and 1 p.m. Staying physically active is important, but so is staying socially active. A study by the National Institute on Aging reported that being lonely or socially isolated can increase depression and anxiety, which then can have a dramatic impact on other aspects of overall health. They suggest participating in meaningful activities, like spending time with friends, volunteering for a cause you’re passionate about or taking up a new hobby. Feel like learning chess, or brushing up on your existing skills? The Active Adult Center in Greeley offers drop-in chess sessions each Tuesday from 10 a.m. to noon.
Volunteer
Give Back to The Community to Eliminate Your Property Taxes
by Christine Stevens
Senior citizens who are looking for ways to get involved in their community can apply for the Senior Citizen Property Tax Work-Off Program offered by the Thompson School District. To qualify for the program, applicants must be 62 or older, live within the Thompson School District, own their home and pass a background check. Only one person per household may apply, and school district employees are not eligible. The tax work-off program is designed to help retired residents give back to their community while assisting them with paying their property taxes. It’s part of the Volunteers in Thompson Assisting Learners program. “They get paid minimum wage for a total of 30 hours over the school year, but that is paid in the form of a check that is made out to Larimer County,” said Lisa Wegener, volunteer and event
coordinator for the Thompson School District.
Wegener said the program helps seniors who may have less income in retirement and need assistance with property taxes. But for many volunteers, it’s not about the money. Wegener said many participants work well past the 30 hours. “We have someone in the program who’s a crossing guard, and he’s been doing that for years, which really helps the school out,” Wegener said. “Every year I look and I’m like, ‘Wow, he’s done 150 hours!’”
Volunteers are assigned to open positions in the school district based on their skills and experience. Wegener said that most seniors who apply have a lot of experience that can meet a variety of district needs. Some volunteers teach and tutor students, while others help outside the classroom in the theater department or the chess club.
Dave Connor, 75, has been part of the senior tax work-off program for about nine years. He worked as a classroom tutor for math and science at both the middle and high school levels. He applied for the program because he felt like something was missing in retirement. “I missed the structure that working gave my life, and I missed the intellectual challenge of engineering work,” Connor said.
Before retiring, Connor worked as an engineer for Hewlett-Packard for 30 years. He’s also been tutoring math for nearly 45 years. Connor said that working with students gives him a sense of fulfillment. “There is a sense of satisfaction in helping someone get over a stumbling block and then seeing them go on to graduation,” Connor said.
Seniors who meet the qualifications can apply online at tsd .org/volunteer when the application opens June 1.
Take advantage of these amenities:
• Hospital liaisons
• Transportation 5 days a week
• Staff available 24/7
• Weekly housekeeping
• Full maintenance
• Engaging activities
Colorado’s Leader in Senior Care
Volunteer Dave Connor, right, has been tutoring for math and science for about nine years. (Courtesy/Thompson School District)
In-Home Care
A Comprehensive Guide for Aging Adults
by Julie Kailus
As our loved ones age, ensuring they receive the appropriate care becomes paramount. For many families, in-home care offers a practical and compassionate solution — allowing seniors to maintain independence, comfort and dignity in their own homes while receiving essential support.
Whether the need arises suddenly or gradually, understanding when to seek help, how to prepare and what to look for in a care provider is crucial. This guide explores the key indicators that it may be time for in-home care, ways to prepare, how to choose a provider and the right questions to ask to ensure high-quality care.
Recognizing the Signs: When Is It Time for In-Home Care?
One of the most challenging decisions for families is determining the right time to introduce in-home care. Early identification
continued on page 32
of changes in behavior, physical health or cognitive function can prevent emergencies and improve overall quality of life.
“Some of the most common signs include isolation, needing help with meal preparation and shopping, dressing, managing appointments, medication reminders, wound care and inhome therapy,” says Holly Turner, senior living administrator at Good Samaritan Loveland Village.
Other common signs include:
l Neglected hygiene: Wearing the same clothes for days or avoiding showers may signal physical or mental limitations.
l Nutritional concerns: Difficulty grocery shopping or preparing meals can result in poor diet or sudden weight loss.
l Mobility and balance issues: Struggling with stairs, frequent falls or holding onto furniture while walking are red flags.
l Cognitive decline: Memory
lapses, confusion with everyday tasks or missing appointments may indicate early dementia.
l Increased isolation: A senior who withdraws from interaction or hobbies might be facing emotional or physical difficulties.
Recognizing these warning signs can prompt families to act before more serious issues arise.
Preparing for In-Home Care: Steps for Families
Once the need for care is identified, families should take thoughtful steps to ensure a smooth transition. In-home care is not one-size-fits-all, so preparation must be tailored to the individual. “Start by gathering the patient’s medical history, talk to their providers, research care options and hold a care conference to clarify what services will be provided,” Turner recommends.
A thorough assessment includes:
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Pill sorting and weekly preparation. (Courtesy/Good Samaritan Loveland Village)
l Medical review: Collaborate with doctors and specialists to understand health conditions, medications and potential complications.
l Home safety evaluation: Identify potential hazards such as slippery floors, poor lighting or staircases that may require modification.
l Family meeting or care conference: Bring together family members and healthcare providers to coordinate responsibilities, expectations and resources.
Additionally, consider organizing legal and financial documents such as power of attorney, insurance policies and advanced care directives. Having these in order helps avoid confusion and delays in care.
Choosing the Right In-Home Care Provider
Selecting the right in-home care
agency is one of the most critical steps in this process. “Families should seek a provider that is reliable, compassionate, professional and flexible,” Turner advises. “Insurance coverage, overall costs and the provider’s reputation and compatibility with the patient are also critical factors.”
Here’s what to look for, more specifically:
l Range of services: Make sure the provider offers the level of care needed — from help with daily activities to skilled nursing or physical therapy.
l Qualified caregivers: Verify training, certifications and background checks. Reliable agencies maintain high hiring standards.
l Flexibility and customization: Needs may evolve, so choose a provider willing to adapt plans, involve the family in decision-making, and provide consistent caregiver assignments.
• Wheelchairs & Knee Scooters
• Incontinence Supplies
• Braces, Crutches, Walkers
• Bathing Supplies
l Reputation and reviews: Seek referrals from healthcare professionals, read testimonials and research agency ratings.
Key Questions to Ask In-Home Care Providers
To ensure high-quality, personalized care, families should ask prospective providers specific and detailed questions. This not only reveals the provider’s competence but also helps set clear expectations on both sides.
According to Turner, important questions include:
l What kind of experience do your caregivers have?
l What services are included in your fees? Are there additional charges?
l What common challenges do your caregivers encounter and how do they handle them?
l How are boundaries and expectations communicated and managed?
l What communication methods are in place between caregivers and families? (e.g., visit notes, care conferences, emergency protocols)
Ask about the provider’s experience, how they handle routine challenges and what their communication process looks like — whether that’s formal notes, visit summaries or scheduled care conferences. It’s also essential that both parties have clearly set expectations and boundaries. By recognizing early signs, choosing the right care partner and asking the right questions, families can feel confident that their loved ones are receiving compassionate, high-quality support at home.
For more information on local in-home care options, visit good-sam.com, homewellcolorado.com, givinghhc.com, brightstarcare .com and lovelandhousing.org.
Plan AHEAD
For When Someday Becomes Today
By Lisa Truesdale
Planning ahead can be fun if we’re talking about a family reunion, a big anniversary party or a long-awaited vacation. It’s not even a little bit fun when we’re dealing with unpleasant topics, like the inability to live independently, the loss of mobility or, the most difficult and emotional conversation of all, our end-of-life wishes and funeral arrangements. Simply put, these are things no one wants to think about until they have to, and then it’s often too late. There are many brutally honest and compelling reasons why it’s better to tackle such issues
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now, rather than when the inevitable happens. Here are some local resources for planning ahead regarding these important issues.
Independent Living
“Learning about resources and understanding what’s available in the community as we age makes the process less challenging when you are hit with those changes,” says Melody Bettenhausen, CEO of Ensight Skills Center. Based in Fort Collins, Ensight is an agency that offers tools and training for those who have vision loss but wish to remain living independently. “Our clients are empowered by knowledge, which leads to problem-solving and community engagement. Having resources in place before we need them allows them the chance to grieve and function at the same time.”
Ensight’s services include low-vision optometry, occupa-
tional therapy, mobility training and recommendations for optical and assistive devices.
AgeWise Colorado, based in Denver but servicing the entire state, is also dedicated to helping seniors age in place. They work to help them stay in their own home where they are already comfortable, rather than moving them to a senior living community or skilled nursing facility. The agency’s free online provider directory is carefully vetted and can be filtered by location. It includes just about every resource someone might need for living independently, like home modifications, assistive devices, in-home care, food access/delivery and transportation options.
Seniors Helping Seniors, which serves Larimer and Weld counties and northern Longmont, connects one senior who needs help with another senior who can
continued on page 38
(Courtesy/Ensight Skills Center)
LOVELAND
Wednesday, June 11 • 9 a.m. to 2 p.m.
Chilson Senior Center, 700 E. 4th Street
EXHIBITORS
AgeWise Colorado
Althoff Wellness Clinic
Altitude Dermatology
Arnett & Devoe Insurance
Avenida at Centerra
Bath Fitter
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Brookdale Senior Living
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Chiyu | Acupuncture & Integrative Medicine
City of Loveland – Pulse
Colorado Blinds & Design
Columbine Health
DCT Insurance
Dignity Memorial – Resthaven & Allnutt
Ensight Skills Center
Giving Home Health Care
Good Health Will
Good Samaritan Society
HearingLife Loveland
High Plains Memory Care
HomeWell Care Services
Implant & General Dentistry of Northern Colorado
Inner Vitality Chiropractic
Investment Center Advisor Group/
Medicare Dan
Kaiser Permanente
Kirk Eye Center
Lifetime Home Remodeling
Loveland Housing Authority
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MorningStar at Old Town
Premier Insurance
Renewal by Andersen
Select Health
Seniors Helping Seniors
Seven Lakes Memory Care
Thompson School District
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Village Cooperative of Loveland
AgeWise Colorado Althoff Wellness Clinic
Avenida at Centerra
Bath Fitter
Champion Windows
Chiyu | Acupuncture & Integrative Medicine
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provide in-home services like meal preparation, daily living assistance, light housekeeping, yard work, pet care and more.
Mobility
It’s crucial to start researching mobility devices ahead of time, before you need them, advises Tab Black, business manager at Loveland-based Mobility & More. “If people don’t look at mobility devices ahead of time, they usually end up at the hospital, because they were trying to be so independent, doing it all on their own,” he says.
Mobility & More offers a full line of mobility and assistive products for homes and vehicles, from crutches, canes and walkers, all the way up to ramps, power stairlifts and power wheelchairs. Though most products are always in stock, some custom devices require a longer lead time.
Black’s most important piece of advice, though? Don’t go
straight from a cane or walker to a power wheelchair. “Try a lightweight manual chair in between the two,” he says. “It’s easy to transport. You can propel it with your arms and feet, which helps with your cardiovascular system, your range of motion and your upper-body strength. Plus, physical exercise helps with weight management, and of course
exercise is known to uplift mood and ease stress.”
Frontier Access & Mobility, with locations in Fort Collins and Cheyenne, offers similar mobility products or services and also sells or rents wheelchair-accessible vans.
End-of-Life Planning
It’s not just about making sure
you have a will and a medical power of attorney, although those are important too. Endof-life planning means really thinking about what you want your family to know ahead of time, and conveying your wishes to them before you’re no longer able to.
Preplanning your own funeral, like with Dignity Memorial in Fort Collins, Loveland or Greeley, means you can offer your family a roadmap and allocate the funds that should be used for your burial or cremation, as well as a memorial service if desired. You’re not only alleviating the financial burden on your loved ones, but you’re usually able to lock in current prices, protecting you from rising costs. The process spares your family the stress of trying to plan everything and find the funds to cover it, allowing them to focus on mourning and healing.
