New Jersey Bergen and Passaic Counties

The Manna Helmy Law Group, PC

COUNSELLORS AT LAW

Brian Eckert Publisher

Bernadette de Isaza Art Director

The Seniors Blue Book

39 Valley Forge Dr. Whippany, NJ 07981

973-560-0064

973-560-0098 fax

E-mail: beeckert@optonline.net

Web Site: SeniorsBlueBook.com

Additional copies of this Directory are available FREE at most of the gathering places for seniors, many of which are featured in the Seniors BLUE BOOK . Give us a call at (973) 560-0064 and we will direct you to the location nearest you. Copies are available by mail for $2 shipping and handling.

The contents of this book may not be reproduced either in whole or in part without consent of the publisher.

Every effort has been made to include accurate data, however, the publisher cannot be held liable for material content or errors. Copyright 2023 by Seniors Resource Guide of New Jersey.

LETTER FROM THE PUBLISHER

Dear Valued Readers,

Welcome to the 38th edition of the Seniors Blue Book. With each passing edition the Seniors Blue Book continues to grow in size, accessibility, and information. I want to offer you my heart felt thanks for continuing to turn to and trust the Seniors Blue Book as your primary go to source for anything and everything that is related to seniors, caregivers and their well being.

It is our mission to provide you with all possible options and opportunities that are available in an easy to read format. The guide is broken down into three main sections; Community Resources and Services, Home Health Care & Non-Medical Home Care Agencies and Senior Housing. We include definitions of these services and indicate which companies offer these in the appropriate Home Health and Housing Grids.

We continue to offer the Solutions for Seniors resource help line at 973-560-0064 for those that need help navigating the information within our publication and website and to offer FREE assistance to those that wish to ask for our information assistance.

SeniorsBlueBook.com is our dynamic website that will not only offer all of the information listed in the Seniors Blue Book, but empower the viewer to find local events and activities and post their own events and activities. The community calendars will be interactive and I am expecting avid participation from both seniors and their providers. SeniorsBlueBook.com will also be offering senior professionals their own senior calendar for networking opportunities, promotion of their own events and job opportunities. The community calendars are only a smidgen of the new information that will be available on SeniorsBlueBook.com. Please log on and check it out for yourself. I promise that you will bookmark SeniorsBlueBook.com and come back again and again. Thank you for your continued support and give me a call or an e-mail if you have any suggestions or comments that will further enhance the Seniors Blue Book.

Housing and Resources for Aging Well

ADULT DAY SERVICES

Adult day programs are for elders who need a place to stay during daytime hours because they have difficulty functioning alone (i.e. dementia or physical limitations). The programs provide purpose and stimulation. Most facilities place participants into groups with specific limitations. For more information call our Seniors Resource Line at 973-560-0064.

Did you know someone develops Alzheimer’s every 65 seconds?

With over 500,000 New Jersey residents living with Alzheimer’s we want you to know the Alzheimer’s Association is here to help.

We provide the following Programs and Services to help.

Your support of these Signature Events enable us to provide our Programs and Services to families and communities of care throughout New Jersey.

The Greater New Jersey Chapter Headquarters is located in Florham Park. To learn more about becoming a volunteer or to make a tax-deductible donation, please visit alz.org/nj.

Housing and Resources for Aging Well

Counseling & Care Management, LLC

336 W Passaic St, 4th Floor

Rochelle Park, NJ 07662 (201) 845-7030 or (866) 353-3726 Toll Free

Please visit us at www.generations-llc.com

Serving NJ, greater NY and FL for over 23 years

For over twenty years Generations has provided a professional, compassionate response to the needs and challenges of seniors adults, adults with disabilities and those who care for them. Our multi-disciplined continuum of care includes:

• Assessments • Care Plans • In-Home Care • Housing Alternatives • Hospitalization and Discharge

• Guardianships • Counseling •

CARE OPTIONS SPECIALIST

–

Housing and Resources for Aging Well

EMERGENCY RESPONSE SYSTEMS

A Personal Emergency Response System (PERS) is an electronic device designed to let you summon help in an emergency. A PERS has three components: a small radio transmitter (a help button carried or worn by the user); a console connected to the user’s telephone; and an emergency response center that monitors calls. When emergency help (medical, fire, or police) is needed, the PERS user presses the transmitter’s help button. It sends a radio signal to the console. The console automatically dials an emergency response center where the caller is identified. The center will try to determine the nature of the emergency. If the center cannot contact you or determine whether an emergency exists, it will alert emergency service providers to go to your home.

Association (ad on page 9)

EMERGENCY ROOMS

Housing and Resources for Aging Well

Housing and Resources for Aging Well

HOME MAINTENANCE continued

Hospices provide individuals facing terminal illness with clinical and psycho/social care at home or in a healthcare facility. The mission of hospice is to assist patients and allow them to live the last stage of their lives with dignity; and to supplement routine clinical care with expertise in pain control, symptom management, grief and loss counseling, as well as support services. Most hospices accept Medicare/Medicaid, insurance and private pay. For more information call our Seniors Resource Line at 973-560-0064.

OUR PREFERRED HOSPICE PROVIDER

Valley Home Care and Hospice

(ad on page 5 3) ...............................................................

HOSPITALS

OUR PREFERRED HOSPITAL PROVIDER

Bergen New Bridge Medical Center (ad on page 27) 230 E Ridgewood Ave, Paramus ...................................... 201 967-4000

(continued on page 29)

Bergen New Bridge Medical Center

Connecting compassionate, quality care to our communities

Bergen New Bridge Medical Center, a clinical affiliate of Rutgers, is a 1,070-bed hospital located at 230 East Ridgewood Avenue in Paramus, NJ. The Medical Center is both the largest hospital and licensed nursing home in NJ and the fourthlargest publicly-owned hospital in the nation.

Bergen New Bridge, a not-for-profit safety net facility, provides high-quality comprehensive services, including acute and ambulatory care from Rutgers New Jersey Medical School and community physicians, mental health and substance use disorder treatment, and long-term care to the greater Bergen County community. The Medical Center, including its Long-Term Care Division, is fully accredited by The Joint Commission and is in network with all major New Jersey commercial insurance plans covering 99.89% of NJ residents.

The Medical Center is a full-service hospital with a 24/7 emergency department, surgical suites, physical rehabilitation, pharmacy, laboratory, radiologic services (including digital

mammography), and more than 26 medical specialties available through its Ambulatory Care Center. The Medical Center is a Veterans Community Care Provider proudly serving the healthcare needs of veterans and is a Leader in LGBTQ Healthcare Equality in the Human Rights Campaign (HRC) Healthcare Equality Index (HEI).

We follow COVID-19 CDC Guidance including frequent and deep cleaning and disinfection, temperature and COVID-19 symptoms screening, staff testing, mandatory masking, social distancing.

Long Term Care at Bergen New Bridge

Families trust Bergen New Bridge Medical Center to provide comprehensive, high-quality long term care services for their loved ones.

(continued on page 103)

Housing and Resources for Aging Well

continued from page 26

DIAL - Center for Independent Living, is part of a statewide network of nonresidential centers designed and operated to provide services to individuals with significant disabilities. Services include: Information and Referral, Advocacy, Peer Support, Independent Living Skills Training, and Recreation Services. The agency has 34 year history of serving consumers living with disabilities that reside in Passaic and Essex Counties.

Housing and Resources for Aging Well

MOBILITY EQUIPMENT

for Aging Well

Rehabilitation facilities offering acute or sub-acute care to help individuals recovering from accident, brain injuries, strokes, and other debilitating occurrences on both an in-house and outpatient basis.

The Center for Rehabilitation Excellence at Rockleigh

Our new and innovative facility can help you heal and regain your strength and independence.

Full outpatient therapy program

Spa-like, state-of-the-art inpatient rehabilitation experience

Warm water therapy pools

Driving assessment

Life Skills focus to prepare for home independence

Private rooms with full private bathrooms

Guest rooms for loved ones

For more information, please call 201-784-1414 or email info@jewishhomefamily.org 10 Link Drive, Rockleigh, New Jersey JewishHomeFamily.org

ROAD SCHOLAR

SENIOR CENTERS

Housing and Resources for Aging Well

SENIOR CENTERS continued

Housing and Resources for Aging Well

Housing and Resources for Aging Well

Housing and Resources for Aging Well

HOME HEALTH AGENCIES –SKILLED CARE

Providing health care professionals to an individual in a variety of settings. Most agencies have a registered nurse to do an appraisal to determine a patient’s needs. Some agencies are accredited by the Commission on Accreditation for Home Care. Agencies offer a different menu of services and accept pay methods including Medicare, Medicaid, Private Insurance, and Private Payment. For more information, consult our Home Health Care Comparison grid or call the Seniors

Line at 973-560-0064.

SKILLED CARE DEFINITIONS

DIABETIC CARE – Refers to services including patient assessment specific diet information, management of the disease process, medication management and education on all the above. Services are provided by Registered Nurse under the supervision of a M.D. Some agencies may have certified diabetic nurse instructors or cardiac care specialty RN’s in their employ.

ENTERAL FEEDING – Enteral feeding, or tube feeding, is a way to deliver nutrients through a tube if you cannot take food or drink through your mouth.

HOUR MINIMUM – The least number of hours a Non-Medical Home Care Agency will be available for hire. Medicare certified Home Health Agencies are not on a specified time frame.

HOSPICE – Refers to a comprehensive program of care to patients and families facing a life threatening illness. Hospice emphasizes palliative rather than curative treatment. The dying are comforted. Professional medical care is given, and sophisticated symptom relief provided.

INTRAVENOUS THERAPY (IV) – Refers to any medical treatments/medications that need to be introduced into the body via a patient’s veins. Numerous IV Therapies can be provided in a patient’s home under supervision of a MD. Some of these include: inter-infective/antibiotic therapies, hydration therapy, pain management, chemotherapy and central line care and maintenance.

MED-ALERT SYSTEMS – Personal medical alert products activated by pushing a button.

PRIVATE DUTY PERSONAL CARE – Assistance with Activities of Daily Living (ADL’s), homemaking, companionship and other non-medical in home care.

(continued on next page)

These services are available for hire after, or in conjunction with, Medicare certified services. Private payment, Medicaid and Veterans Benefits are a few of the ways personal care can be paid for.

PSYCHIATRIC CARE – Refers to the agencies’ ability to offer services related to psychiatric support with the prevention, diagnosis, and treatment of mental illness. Services may include counseling or administering of medications.

SOCIAL WORKER – A clinical social worker whose purpose in health care is to enhance, promote, maintain, and restore the best possible social abilities of the patient or family. Services provided may be preventive, developmental, or remedial in nature.

THERAPY SERVICES (ST, PT, OT, RT) –

Speech Therapy – Refers to services to assess and treat speech and swallowing disorders. Speech therapy can treat speech, language, cognitive skills or swallowing.

Physical Therapy – Refers to services for the treatment and the rehabilitation process where a physical therapist will often stretch, strengthen, facilitate muscles, challenge balance, test coordination abilities, teach home exercise programs and enhance basic mobility skills.

Occupational Therapy – Refers to services to assess and treat patients to improve their ability to perform tasks in their daily living and working environments. Patients may have mental, physical, developmental, or emotional disabilities. Therapists also help them to develop, recover, or maintain daily living and work skills. Occupational therapists help clients not only to improve their basic motor functions and reasoning abilities, but also to compensate for permanent loss of function.

Respiratory Therapy – Refers to services for care of patients with deficiencies and abnormalities associated with the cardiopulmonary system. It may include the therapeutic use of medical gases and their equipment, environmental control systems, humidification, aerosols, ventilator support, bronchi pulmonary drainage and exercise, respiratory rehabilitation, assistance with cardiopulmonary resuscitation, and maintenance of natural, artificial, and mechanical airways.

TRACH CARE – Refers to care administered to patients who have undergone a tracheotomy. A tracheotomy is a surgical procedure in which a cut or opening is made in the windpipe (trachea). The surgeon inserts a tube into the opening to bypass an obstruction, allow air to get to the lungs, or remove secretions.

Housing and Resources for Aging Well

NON-MEDICAL CARE AGENCIES

Some of the services that non-medical agencies provide clients include: assistance with everyday activities called Activities of Daily Living (ADLs) which are required to manage one’s physical needs, including personal hygiene and grooming, dressing,  eating, and moving around. Instrumental Activities of Daily Living (IADLs) are also provided by these agencies such as: laundry management, medication reminders, meal preparation and helping with errands and transportation. Sometimes this type of care is needed temporarily, such as during recovery from an illness or injury, and sometimes it is needed indefinitely due to the natural process of aging. Non-medical care can provide peace of mind for family members, knowing that their loved ones have someone supervising them and helping with activities that are necessary to live independently. Private payment, Medicaid, Veterans Benefits and Long Term Care Insurance Policies are a few of the ways personal care can be paid.

APPLAUSE HOME CARE

We are a local, non-franchise, family-owned home care agency providing non-medical home care services to elders and individuals with special needs, injuries, difficulties

Collaborative - care plan is tailored and directed by the care recipients and those closest to them; Engaging - human growth is continual: we are here to learn from you, and you from us. Our approach includes active listening, identifying how to connect to establish a mutually beneficial relationship and safely empowering those we assist;

Reliable and Timely - we are accountable for being qualified, dependable and there when you need us. Always!

Let us be your Care Partners!

Jim Prussak is the CEO of Applause Home Care. During the latter part of his successful 25-year career in control functions within the financial services industry, he volunteered to assist elders in the community. The satisfaction and CARE that Jim RECEIVED from helping others in the “encore” of their lives helped him to learn about CARE PARTNERING not just “care giving”. These experiences also made Jim reconsider what he wanted to do with the rest of his career and life. Jim holds a BS Degree from New York University in Accounting and Finance and an MBA from Fordham University. He is also a Certified Homemaker-Home Health Aide by the NJ Board of Nursing and a Certified Public Accountant. Jim can be reached at 201-326-8051.

Please mention the Seniors Blue Book when you call our advertisers.

Housing and Resources for Aging Well

SENIOR HOUSING DEFINITIONS continued

ASSISTED LIVING COMMUNITIES – Typically apartment-style with kitchenettes and private baths. Some offer companion accommodations. Personal assistance with Activities of Daily Living (ADLs) bathing, grooming, dressing, toileting, eating and ambulation. Rates vary from an all-inclusive to base rates with levels of care. Amenities vary for each community.

CCRC – Continuing Care Retirement Communities offer all levels of care on one campus (independent living, assisted living and skilled nursing). An endowment fee may be required that entitles residents to use assisted or skilled services when needed throughout their lifetime. Each community offers varied buy-in and payment plan options.

DAY CARE – Any provider can elect to provide day/night services on a short or long term basis. Rates typically include a place to rest, one or two meals and snacks and activities for the day. Licensed communities are prohibited by law to promote these services without a specific license.

INDEPENDENT HOUSING – Apartments and communities for adults 55+ with little or no senior support services (e.g. no meals, etc.).

INTERMEDIATE CARE – 24 hour inpatient care residents who need licensed nursing supervision and supportive care, but do not require continuous nursing care. Residents may receive full assistance with ADL’s and transfers. Residents receive meds from a nurse following a doctors orders and may receive outpatient rehab services. Facilities may use a nurse as a their consultant and the residents receive periodic assessments from a licensed practitioner.

PRICE ALL INCLUSIVE – Price listed includes any and all amenities a community has to offer.

RESPITE CARE – Otherwise known as a short-term stay. Any provider of IL, AL, ALZ or SNF care can elect to provide fully furnished accommodations to a person for a short period of time. Rates usually quoted on a daily basis and are typically inclusive of all services and amenities.

RETIREMENT COMMUNITIES – Housing designed specifically for mature adults. Typically Studio, 1 BR or 2 BR rental apartments with full kitchens, and private baths are available. Services include meal plans, transportation, housekeeping, laundry and maintenance. Amenities are usually abundant; formal libraries, computer stations, swimming pools, gardens, and other social gathering spaces. Rates are monthly and typically based upon size/ location of apartment.

(continued on page 92)

MEMORY CARE EXPERTS

Fully furnished rooms. All-Inclusive pricing. Passionate, caring staff. Contact our memory care experts at info@FoxTrailSeniorLiving.com JERSEY LOCATIONS

• Hillsdale East

• Montville

• Ramsey

SENIOR

• Paramus

• Mahwah

• Cresskill

FoxTrailSeniorLiving.com info@FoxTrailSeniorLiving.com

HOUSING DEFINITIONS

continued from page 83

SKILLED CARE – 24 hour licensed nursing services, eight hours of which are RN covered. Patient may receive rehab services either inpatient or out-patient and may be fully dependent for ADL’s. Patients receive medications by an RN according to a licensed physicians orders.

SKILLED NURSING CARE FACILITIES – Providing 24/7 care for residents and offering full assistance with ADL’s. Daily rates typically include a furnished bedroom and a private or shared bath, meals, activities, transportation, phone service, cable TV and all personal/nursing care. Payor sources usually accepted are Medicare, Medicaid, VA, some insurance plans and private sources.

TYPE 1 CARE – Residents may need significant assistance with 2 ADL’s and minimal assistance on more than 2 ADL’s daily. The resident must also be able to evacuate a community under their own power and have stable health. Residents receive 24/7 monitoring and may have an independent home health agency help with services.

TYPE 2 CARE – Residents receive full assistance with ADL’s and are able to permit aging in place. Residents may require the assist of one person for transfers and evacuations. Residents receive 24/7 monitoring and may have an independent home health agency help with services.

Medicare 2023 “In A Nutshell” (Parts A, B & Medigap Plans)

Original Medicare is a government health insurance program primarily for people age 65 and older. It has four main parts: A, B, C & D. The chart below is an example of how Parts A & B work together with a traditional Medicare supplement also known as a “Medigap Plan.”

Medicare Part A Hospital Insurance

Generally no cost (If you paid Medicare taxes while working)

$1,600 deductible (per benefit period)

It is possible to pay the $1600 deductible and other daily charges for multiple stays & extended care.

Plan covers: Inpatient hospital care, home health care services, hospice, inpatient skilled nursing & more.

Providers are paid by Medicare assignment.

No coverage outside USA. No out-of-pocket maximum.

Many people add a Medigap plan, Part D or an Advantage Plan (Part C) to fill the “gaps” in the coverage.

Medicare Part B Medical Insurance

Most people pay monthly $164.90 (Premium could be higher based on income)

$226 annual deductible. (this can increase each year)

80/20 after deductible.

Plan covers: health care providers, ambulance, emergency care, outpatient surgical, wellness & other Medicare approved benefits

Most doctors accept Medicare.

No coverage outside the USA. No out-of-pocket maximum.

Many people add a Medigap plan, Part D or an Advantage Plan (Part C) to fill the “gaps” in the coverage.

Supplemental Policy Plans A - N Medigap

Premium varies by company, age, location & other factors.

Guarantee Issue at initial enrollment (Other special enrollment periods may be avalable)

These plans generally pay the 20% not covered by Part B & other Medicare eligible benefits

When this coordinates with Medicare, many benefits are 100% covered

Can provide benefits outside USA

Plans are available through insurance companies.

Important to add Part D plan to cover prescription drugs & avoid penalties.

Must have Part A & B to enroll.

There is NO additional cost to use the services of a full time insurance professional. Please call us or a broker in your local area for additional assistance.

This article was written by Craig N. Anderson, President of Anderson Benefits, Inc. located in Salt Lake City, Utah.

To contact call: 877-363-9575 or craig@andersonbenefits.com

Please mention the Seniors

when you call our advertisers.

Housing and Resources for Aging Well

Medicare 2023 “In A Nutshell”

Med Advantage (Part C) with RX (Part D)

Medicare Advantage plans are governed by Medicare. They are only offered through insurance companies that have an annual contract with Medicare. They are NOT the same as Medigap policies. They must cover all Medicare approved services. Most Advantage plans include Part D prescription drug coverage.

Advantage Plans Part C

INSTEAD of a Medigap Plan (A-N)

Premium varies by company and coverage. (Same premium for all ages).

Part B premium $164.90 is still paid (Premium can be higher depending on income)

There are many plan types available: PPO, HMO, HSA, PFFS, etc.

Plans have co-pay and / or coinsurance for covered benefits & services.

Preventive care is covered 100%.

Plans have an annual out-of pocket maximum.

Plans may have additional services and discounts, including dental, vision, gym membership & more.

There is an Annual Election Period (AEP) which runs from October 15–December 7 of each year. This is the time to make changes in company or coverage.

Must have Part A & B to enroll.

Medicare Part D Drug Program

Premium varies by company and coverage. (Same premium for all ages).

Plans are generally a variation of the following: Deductible (Phase I) $0–$505 deductible

Initial Coverage (Phase II) co-pay coverage until the total cost of the drugs = $4,660

Coverage Gap / Doughnut Hole (Phase III)

The member now pays much more for covered drugs 25% generic / 25% brand. There is a drug manufacture discount on brand name drugs that can count toward the “True out-of-pocket” (TrOOP) You remain here until the $7,400 (TrOOP) has been met

Catastrophic Coverage (Phase IV)

For the remaining calendar year, covered drugs are: $4.15 / $10.35 or 5% depending on drug tier As an upgrade, Insulin costs will decrese in 2023

Part D can be separate with Medigap & PFFS plans. There is a penalty for late enrollment into Part D.

Annual Election Period is Oct 15–Dec 7 each year

Must have Part A or B to enroll.

For more information visit www.medicare.gov or call 1-800-MEDICARE.

This information is the opinion of the author and intended as an easy to read summary. This is not a contract. Additional limitations and exclusions may apply to services.

In the event of any inconsistencies with Medicare or with a published medical insurers certificate, the certificate / Medicare will control. Prepared 10/2022

Please mention the Seniors Blue Book when you call our advertisers.

Housing and Resources for Aging Well

Bergen New Bridge Medical Center

continued from page 28

As a full service, accredited medical center, Bergen New Bridge provides a scope of services far exceeding those offered in a standard nursing home environment. Highly-trained, skilled staff provide nursing care focused on individual resident needs 24hours per day, 365 days per year, as well as access to onsite, specialized physicians. Comprehensive medical or mental health care is always only an elevator ride away.

Specialty services include:

n Rehabilitation services, including physical therapy, occupational therapy, and speech therapy

n In-house advanced respiratory therapy and care services

n 12-bed ventilator unit

n Post-Surgical care

n Tracheostomy care

n Professional dietitians and chefs

n Hospice Care ser vices

n Intravenous therapies, gastrostomy tube feeding,

n A comprehensive wound care program

n Respite program

n Secure Alzheimer/dementia units

n Multi-faith pastoral care provided at bedside and in our interfaith chapel

n An onsite personal care salon with ser vices offered in the salon

n Diversified recreational therapy activities

n On site Greenhouse/Horticultural Therapy program

n Flat screen TVs and Wii entertainment systems available in the common areas

n Library

n Game room

n Kosher meals provided upon request

n Dedicated cultural programs meeting the needs of the diverse communities served

The Bergen New Bridge LTC Admissions team helps families navigate the Medicaid process and are available to explain Medicare and other insurance coverage. For more information, or to schedule a tour, call 201-967-4073 or visit newbridgeheaIth.org.

Bergen New Bridge Medical Center

Phone Numbers:

Ambulatory Care Center

Appointments 201-225-7130

Access Center for Mental Health and Substance Use

800-730-2762

Long Term Care Admissions

201-967-4073

Volunteer Program

201-967-4615

Estate Planning During a Pandemic

As many have experienced, trying to effectively create an estate plan while dealing with terminal illness is very difficult emotionally and logistically.

This has been particularly true during a pandemic in which we are often restricted from close physical contact

planning may not always exist. Poor planning often results in expensive administration or litigation – not to mention estate plans that do not benefit those whom we intended. Leaving our loved ones to navigate our financial affairs without any plan – or even worse, poorly prepared or outdated estate plans – can result in avoidable costs, distress and difficult family conflict. On the other hand, having a clear and efficient estate plan in place is a great act of love and can make a difficult situation much easier for those we leave to handle our affairs.

with others, yet estate planning documents require original signatures and witnesses. In addition to the issues with the execution of documents, the uncertainty we have all experienced has made the need for advanced and exhaustive estate planning that anticipates a vast array of possible situations so much more apparent. For instance, sometimes the person selected as the decision maker passes away first, so it is necessary to prepare for this possibility in advance. The opportunity to engage in last minute

If 2020 has taught us anything, it is to expect the unexpected. Preparing a proper estate plan is like buying insurance: you hope it’s not needed anytime soon, but you can rest easy knowing it is in place. If you would like to discuss your estate plan with our office, please feel free to call 201-447-2800 to schedule a free consultation.

Editor’s Note: This article was submitted by Marize Helmy, Esq, The Manna Helmy Law Group (Formerly Michael A. Manna & Associates)