Senior open house, september 21, 2016

Senior Care

OPEN HOUSE Event $

Enter to Win 100 Gift Card to Fred Meyer*

Informational Group Tours Saturday, September 24 spokesman.com

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Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

Tour these

OPEN HOUSES

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SPOKANE 3 2

$

Enter to Win 100 Gift Card to Fred Meyer*

Participating Open House Facilities:

Call to schedule your tour time.

1. Fairwinds Spokane 2. Sullivan Park 3. Colonial Court Assisted Living

11 am – 4 pm 520 E Holland Ave, Spokane 11 am – 3 pm 421 S. Adams Road, Spokane Valley 10 am – 2 pm 12016 E. Cataldo, Spokane Valley

*One tour participant winner from each facility will be selected by random drawing. Courtesy of The Spokesman-Review.

509-468-1000 509-924-5555 509-921-5473

Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

COLONIAL COURT ASSISTED LIVING OPEN HOUSE

SATURDAY SEPTEMBER 24TH • GROUP TOURS 10AM TO 2PM Personal Care in a Loving Home Environment - Refreshments Served

Assisted Living for Dementia & Alzheimer’s Care

A ssist e d Li vi n g Wi th A Loving Touch A Sarff Family Company Since 1985

12016 East Cataldo, Spokane Valley www.colonialcourtassistedliving.com

(509) 921-5473

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Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

THE BASICS on LONG-TERM CARE

Insurance LTCI should Various insurance plans protect individuals be looked from financial calamity. Insurance works by into early requiring policy holders to pay a premium. In in life, as the event of an accident or incident, a claim policies often can be filed and the insurance company will cost less if reimburse the person for expenses, minus the purchased deductible. when one Health insurance is one type of insurance is younger that people have to manage their health and in good and well-being. There’s also another, health. perhaps lesser-known insurance that can People in prove invaluable. It is called long-term care poor health insurance. or already Long-term care insurance, or LTCI, is an receiving insurance product that is found primarily in long-term the United States, Canada and the United care services Metrocreative Make the costs of various eldercare services more affordable through the purchase of long-term care insurance.

Kingdom. LTCI generally covers assisted living may not needs, home care, hospice care, adult daycare, qualify When shopping for policies, look into how and other requirements of senior living and/or for LTCI outright. But there are some long LTCI will pay. Some policies include limits health management. People who invest in LTCI workarounds, including buying a limited on how long or how much providers will pay are planning ahead for the times when they amount of coverage or coverage at a higher for care, with some plans maxing out at two to may no longer be able to care for themselves ‘nonstandard’ rate. Some policies do not five years. Other policies may not implement a without assistance. term limit.

LTCI will help offset Speak with a tax specialist as well, as Some policies do not require medical the ever-rising premiums paid on a long-term care insurance underwriting, and these may be advantageous costs associated products may be tax deductible. with specialized Long-term care insurance is a way for to people with preexisting health conditions. senior housing and individuals to finance the often expensive nursing facilities. require medical underwriting, and these may costs for medical services that may be Traditional healthcare insurance and be advantageous to people with preexisting required as one ages. government-sponsored plans (i.e., Medicare health conditions. in the United States) will not pay for daily, extended care services. The AARP notes that these other plans may only cover a short stay in a sub-acute rehabilitation center or nursing home, or pay for a limited amount of at-home care. LTCI can help families finance the cost of medical care when all other options will not.

Metrocreative

“

”

Join Us as local Senior Care Facilities

host informational group tours

Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

How To Find the RIGHT RETIREMENT COMMUNITY One of the more challenging decisions some seniors make is where to relocation.

So many variables can play into the decision, from facilities to cost. Family members and sometimes a physician should be part of the conversation as well. In some cases, the decision is made under difficult conditions, such as medical need to relocate.

Experts say that if time is available, people should visits to several facilities to see which ones they feel most comfortable with, including the staff and amenities.

“Above all else, when people are choosing a retirement community they need to remember they are selecting a place to live, grow, and share with others—a community in the truest sense of the word,” said Jeff Bair, Executive Director of Touchmark, located on Spokane’s South Hill.

He suggests that people considering a location should look closely at how residents and staff interact with each other.

“Are there plenty of opportunities for fun, new experiences, diversity of educational programming and cultural offerings along with fitness activities and other happenings that encourage well-rounded wellness?”

Multiple visits are also encouraged to help finalize a choice, not just a quick tour.

“Look for an environment that is enriching.

Investigate what fills the days of current residents,” he said. “It’s also important to visit on several occasions not just one or two tours.

Take the time to participate in some of the activities and meet current residents. This gives the deepest information.”

Bair suggests that prospective residents should consider several questions about a community.

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• Could I live a full life here?

• Do people living here seem to know and care about each other?

• Do the people who work here seem to be happy and engaged in what they do?

• Would I be proud to bring my family and friends here?

There’s no magic formula or quiz that can determine the right community for each person, but there are basic questions to consider such as lifestyle and health care needs.

It’s important that the community can meet expectations for these following areas:

CALL TODAY

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FIRST EVER FALL MOVING SPECIAL! Clip & Show coupon for $100-$200 Savings!

Dan the Piano Man & Smooth Transitions of the Inland Northwest have teamed up to give you the BEST in downsizing, packing, moving & new home set-up.

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Trained Movers Truck & all equipment provided We move most anything Moving & organizing plans Experienced packers Licensed & Insured Boxes & packing materials available! ASK TODAY!

FREE ESTIMATES! Senior Discount!

CALL TODAY: 509-922-1085 Valid through December 31, 2016

CALL T ODA $100-$ Y! 200 SAVING S Off Mo ving

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Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

• Level of daily living independence • Desire and activity level for hobbies, ďŹ tness and socializing • Ability to maintain one’s home and perform regular housework • Medication management and care needed for medical conditions

There are also some factors that not everyone thinks of beyond day-to-day routines and basic atmosphere. Is there room for a spouse in the future?

What options exist for family members coming to visit? Are there ďŹ eld trips? Is there artwork or blank walls? Is the staff friendly or do they just go through the motions?

Choosing a senior living option is often one of the most important and most difďŹ cult choices to make for retirement planning. The key is to remember that you have a choice. Consider the best options that offer matches for the basic needs and ones that will support a rewarding retirement experience.

C O M E S E E W H AT A L L T H E

EXCITEMENT IS ABOUT!

One lucky person will win a $100 grocery gift card!

Tour our beautiful Independent Living Cottages and Assisted Living Community and enjoy ďŹ ne wines and specialty cheeses.

We will also be selling raffle tickets for a chance to win our “Everything Spooky� gift basket $1 per ticket, or $5 for 6 tickets.

All proceeds go to the Alzheimer’s Association.

Prestige Independent Cottages & Assisted Living at Sullivan Park 411 S. Adams Rd Spokane Valley, WA 99216 www.PrestigeCare.com

Saturday, September 24th, 11 a.m. to 3 p.m.

For more information and to RSVP: (509) 924-5555 or Slewis@Prestigecare.com

Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

MEDICARE WORKSHOP Turning 65? New to Medicare? Confused about your options? Need help sorting through all the plans?

Come to our free workshop to have your Medicare questions answered!

Reviewing your plan options can save your money

509-458-2509 • www.altcew.org

For FREE, NON-BIASED, advice bring your list of medications, with dosages, and your Medicaid card to:

Open Enrollment Every Tuesday Oct. 18 thru Dec. 6

Aging & Long Term Care of Eastern Washington • 1222 N Post St 1st Thursday & 3rd Tuesday of each month | 1-4pm

Questions about services for seniors or adults with disabilities?

In Spokane County Call (509) 960-7281 In Whitman County Call (509) 332-1517 In Ferry, Stevens & Pend Oreille Call (509) 684-8421

You will be helped on a ďŹ rst come, ďŹ rst served basis

For more information call 509.458.2509 SHIBA (Statewide Health Insurance BeneďŹ t Advisors)

Aging & Long Term Care - ADVOCACY. ACTION. ANSWERS.

SHIBA is a free, unbiased service of the Washington State OfďŹ ce of the Insurance Commissioner. SHIBA is sponsored locally by Aging Long Term Care Eastern Washington.

OPEN HOUSE

\ *U T CJHĂ? ^

Saturday September th • am– pm Fairwinds Spokane is having a fall Open House and you’re invited! Enjoy delicious refreshments and meet our fun sta and residents Learn about our exciting interior remodel and all the new amenities that Fairwinds will oer! Guests can enter our drawing for a Fred Meyer gi card and learn about our current special!

Group and private tours available throughout the day Call

- to schedule or for more information

E Holland Avenue • Spokane •

- www leisurecare com • Assisted Living Services Available

It’s More Than Retirement It’s Five-star Fun

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Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

make some new friends along the way.

• Volunteer your time

• Get a dog Dogs make great companions inside of the house and also serve as an ice breaker when you are outdoors. Take plenty of walks and take advantage of opportunities for conversation when people come up to you to inquire about your dog. Explain your situation and you may

Many people make new friends through volunteering.

Volunteer and you’re likely to meet people who share the same interests as you.

Sign up with a favorite charity or volunteer at nonprofit events and look for familiar faces. Start talking to fa those people you meet again and again.

• Participate in church events Places of religious worship are often cornerstones of a community, and they

frequently host different events to get parishioners or members together. Read the bulletin and get involved in pot lucks, retreats, movie nights, and other churchsponsored events.

• Work at a school Schools also serve as hubs of community activity. Volunteer or work for a local school and you will soon find yourself immersed in your community’s weekday hustle and bustle.

This is a great way to meet people and learn more about your new neighborhood in the process.

• Host your own party Go out on a limb and plan a ‘new to the neighborhood’ party. Put invitations in neighbors’ mailboxes and invite everyone over for snacks and cocktails. Remember, neighbors may be just as nervous about new faces as you are, and a party is a great way to break the ice.

Change can be hard for people seniors starting out in new communities. With some gumption and a few strategies to get started, anyone can expand their circle of friends.

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Now let us honor you.

WE’RE PROUD TO SERVE

more veterans than any other provider. As your Dignity Memorial® professionals,

we are dedicated to helping you and your loved ones design a send-off that not only reflects your personality and passions, but also honors your legacy of service and commitment.

BALL & DODD Funeral Home

HAZEN & JAEGER Funeral Home

HAZEN & JAEGER VALLEY Funeral Home

THORNHILL VALLEY Chapel

BallandDodd.com 509-328-5620

HazenJaeger.net 509-327-6666

HazenJaegerValley.com 509-924-9700

ThornhillValley.com 509-924-2211

SPOKANE

SPOKANE

SPOKANE VALLEY

SPOKANE VALLEY

Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

WAYS TO LEND A HELPING HAND TO SENIORS Men and d women llooking ki tto give i b back k to t their th i communities can do so in various ways. Some might coach youth sports teams, while others might organize food and clothing drives for the less fortunate.

Giving back to seniors in your town or city is another way to strengthen your community.

Many seniors maintain their independence long past retirement age, but some may need a helping hand as they get older. The following are a handful of ways you can improve the quality of life of seniors in your community.

Inviting elderly relatives or neighbors over to dinner and social gatherings is a great way to make them feel like valued members of your community.

• Deliver meals Seniors who are confined to their homes typically need to have their meals delivered to them. Men and women looking to help seniors can volunteer to work with their local Meals on Wheels program. Meals on Wheels boasts a national network of more than 5,000 independently run programs, and these programs rely on more than two million volunteers to deliver nutritious meals to seniors with limited mobility. The need for volunteers to help seniors figures to grow in the coming decades, as Meals on Wheels America notes that the percentage of the population that qualifies as seniors will grow from 18 percent in 2010 to 26 percent by 2050.

• Help around the house The work required to maintain a home is considerable no matter a person’s age, but that task is even more difficult for seniors. Even the healthiest seniors may not have the mobility or physical strength required to keep up with household chores. Offering to help a senior maintain his or her home is a great way to improve their quality of life.

Visit an elderly relative or neighbor and offer to mow their lawn, take out their garbage or perform another task they might find challenging.

Performing a few chores around a senior’s house won;t take long, but such gestures can have a big impact on seniors’ lives.

• Invite seniors over for dinner Many seniors suffer from feelings of isolation, which can contribute to depression. Families are now more geographically diverse, and a senior’s children and grandchildren may not live nearby. In such cases, it’s easy for seniors to grow lonely and feel isolated from their communities.

Inviting seniors over for a weekly dinner or to backyard social gatherings can help them maintain a connection to their communities and reduce their feelings of isolation. Extending such invitations also provides a great way for parents to instill in their children a respect for and appreciation of the elderly.

• Arrange transportation for seniors who no longer drive Many seniors stop driving when they realize their skills behind the wheel have diminished. But even though they may relinquish their drivers’ licenses, seniors still need to keep their doctor’s appointments and get out of the house. Speak with your neighbors who also want to help seniors to arrange transportation for those who can no longer get themselves around town. Explain to seniors’ physicians when you or your neighbors are most available to get seniors to their appointments.

In addition, offer to drive seniors to the grocery store when making your own shopping trips.

Many seniors made valuable contributions to the communities they call home. And those communities can give back by helping seniors overcome the demands of aging.

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Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

THE BENEFITS TO ESTABLISHING

ADVANCED HEALTHCARE DIRECTIVES Healthy adults may give little thought to injuries or illnesses. When the going is good, it is easy to forget about the less pleasant side effects of aging. However, putting off these conversations and decisions can lead to unnecessary obstacles in the years to come.

Advanced healthcare directives can be invaluable resources for family members and friends who will be responsible for managing a person’s plans should they become unable to make their own decisions. Various organizations, including AARP, offer resources on advanced planning and the options available to adults looking to plan their estates.

The National Healthcare Decisions Day movement, a group dedicated to providing clear, concise and consistent information on healthcare decision-making, defines advanced directives as establishing: • a healthcare power of attorney (or proxy or ‘agent’ or ‘surrogate’), or the person you select to be your voice for your healthcare decisions if you cannot speak for yourself.

• a living will to document which medical treatments you would or would not want at the end of life.

While these are decisions that people often put off, it’s important to make them as early as possible. Not only will they dictate your wishes, they’ll take the pressure off of loved ones who would otherwise be tasked with making difficult decisions on their own.

Healthcare proxy Appointing a healthcare proxy ensures that there will be someone there who has the legal authority to make healthcare decisions for you if you are no longer able to speak for yourself. This may be a spouse, child, relative, or close friend. The Mayo Clinic suggests choosing a person who can be trusted to make decisions that adhere to your wishes and values and to be your advocate if there are disagreements about your care.

Be sure to have a candid discussion with your healthcare proxy in which you go over the types of medical care you wish to receive and any ways you would or would not like your life prolonged. It helps to keep the proxy up-to-date on any medical conditions you may have so that he or she can make the most informed decisions on your behalf.

Having a healthcare proxy does not mean you are giving up your right to make medical decisions. It’s a fail-safe in the event you are unconscious or cannot direct medical care.

Living will An advanced healthcare directive enables you to create specific written instructions for future health care, known as a living will. The living will should include wishes regarding life-sustaining medical treatments and resuscitation if you are no longer able to speak on your own behalf. It also can spell out whether you want to remain in a hospital or receive palliative care at home for a terminal illness. A living will can be changed if/when your wishes or circumstances change.

Legal and medical advice Although legal advice is not required for an advanced directive, it can be helpful to iron out the legalities of your directives.

Speak with your doctor about your desires and needs. A physician can help you form a coherent directive that is in line with your wishes.

Remember, an advanced directive is not reserved for the elderly.

Any consenting adult age 18 or older can benefit from a living will and other documentation.

Having a healthcare proxy does not mean you are giving up your right to make medical decisions.

It’s a fail-safe in the event you are unconscious or cannot direct medical care.

Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

SENIOR LIVING OPTIONS UNDERSTANDING

By NICOLE SKINNER /Marketing Correspondent

Searching for a retirement community? Then get ready to do your homework.

Not only should it be a place that is welcoming, but should also provide a variety of health and social needs, whether someone is there for a short-term or long-term basis.

In fact, due to people living longer and some communities providing different living options, a resident could be potentially live at one location for decades.

The following guide offers some definitions for different types of living options:

Active Adult From single family homes to condos or apartments, active adult communities can often be the perfect first step for retirement living.

Residents may still be working, partially retired or fully retire. They tend to be independent and live active lifestyles.

These communities offer many of the benefits of staying in an independent home or living space, but often remove the hassles of yard maintenance and sometimes home maintenance. Plus, they offer social connections.

Independent Living Independent living combines the benefits of an Active Adult community but adds options such as weekly housekeeping, home or lawn maintenance, and meals.

Most communities are designed as apartment units, although some do have townhouse or cottage options. Many also have access to transportation, a variety of community activities, and fitness centers. Some basic care options can often be included, such as medication management.

Assisted Living For those that enjoy the independent living community style but need more day-to-day care assistance, an assisted living community can be the perfect fit.

A person may benefit from the assisted living lifestyle if they: • Need help more than twice aweek • Have ongoing confusion about medications • Have a fear of, or problems with, falling down • Find that personal care, like bathing and dressing, has become too difficult • Have challenges regularly planning and/or preparing nutritious meals • Need assistance to walk or get around • Require more time and support than the current caregiver can provide

Skilled Nursing Skilled nursing facilities typically offer 24hour professional care. Sometimes residents only need to stay temporarily after a trauma or surgery, and the goal is to help them regain as much function and independence as possible.

Other times, residents may need long-term care based on a specific health condition.

This living option may be best for those who need: • Pain management • Wound/injury management • Rehabilitative services by licensed professionals • Monitoring of cardiac or pulmonary conditions Nursing home living is normally a single-bed room or a double-bed room. Rooms usually consist of a bed, chair, dresser and sometimes an adjoining bathroom. Many facilities offer a social room and activities to promote interaction and keep residents as active as possible.

Memory Care In 2015, an estimated 5.1 million Americans 65 and older were living with Alzheimer’s disease, the most common type of dementia.

Because this population keeps growing, there are now specialty care and living options available.

Some communities specialize only in memory care, and others this service as part of their spectrum of senior living options.

A memory care focus can include 24-hour services of staff and healthcare professionals, who often have received additional training in working with these populations. Security is also enhanced to keep residents safe in the facility.

Continuum of Care These communities are increasing in popularity, and are designed to support everything from independent living all the way through skilled nursing and memory care.

A benefit of this type of community is that relationships can be developed and nurtured with residents and staff. This can provide social support on a long-term basis, and make any necessary adjustments in living arrangements more manageable.

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Advertising Supplement to The Spokesman−Review an S−R Media Company • spokesman.com • Wednesday, September 21, 2016

www.edwardjones.com

You’re Retired.

Your Money Isn’t.

To learn why consolidating your retirement accounts to Edward Jones makes sense, contact your Edward Jones financial advisor today.

SPOKANE - VALLEY

Morgan J Hyslop

Financial Advisor 15404 E Springfield Ave. Suite L100

509-927-1180

Dennis Tomlinson

Financial Advisor 505 N. Argonne Rd, Suite A104

509-926-5378

Scott Draper, AAMS®

Financial Advisor 23403 E. Mission Suite 101 - Liberty Lake

509-892-5811

Scott Murock,

CFP®, ChFC®, CLU® Financial Advisor 1301 N. Pines, Suite 202 B

509-921-0985

Jay Cook

Financial Advisor 12623 E. Sprague Ave. Suite 1

509-927-1655

Casey Getty, AAMS®

Financial Advisor 112 N. University Suite 100 A

509-922-6047

SOUTH HILL

Gordon Jones Financial Advisor 11707 E. Sprague Ave., Suite 307

509-927-8033

Lisa Owen

509-455-3004

Josh ClementsSampson

CFP®, AAMS® Financial Advisor 1212 N Washington, Ste 130

509-325-6376

Steve Wright

Financial Advisor 5515 N Alberta Street Spokane, WA 99205

509-326-5740

Stacie Duenich,

AAMS® Financial Advisor 5515 N. Alberta

509-326-5740

Tom Hunt, AAMS®

Financial Advisor 12310 N. ST. RT 395 Suite 103A

509-467-2454

Pete Blackwell,

Jasson Lamb, AAMS® Financial

509-328-6785

208-667-3758

CFP®, AAMS® Financial Advisor 6319 N. Maple

Advisor 101 Ironwood Dr. Suite 160 - CDA, ID

Jessica Ekstrom

509-328-2115

Joel Mitchell,

CFP®, AAMS® Financial Advisor 624 W. Hastings Rd, Suite 13

509-466-0239

Tim Zacharias AAMS® Financial Advisor 7407 N. Division St., Suite E

509-468-5290

Jon Shroyer,

AAMS® Financial Advisor 9029 N. Indian Trail

509-468-3737

509-926-9807

Casey M. Clabby

Financial Advisor 2020 E. 29th Ave. Suite 105

509-624-6067

Chris Pike

Financial Advisor 2020 E 29th Ave Ste 105

509-624-6067

Joe Nipper, AAMS®

Financial Advisor 8475 Government Way #101 Hayden, ID

208-762-5955

Dane Lowry, AAMS®

Financial Advisor 402 W. Canfield Suite 4 Coeur D’Alene, ID

208-762-8642

Joseph M Carter

AAMS®, CRPC® Financial Advisor 605 E Holland Ave Suite 216

509-468-2541

Kevin Lake, AAMS®

Financial Advisor 8606 N. Wall Suite 103

509-468-2150

Carolyn S Hicklin

Financial Advisor 212 Rodeo Dr, Ste 810 – Moscow, ID

208-883-4460

Jay Mlazgar, AAMS®

Financial Advisor 609 S. Washington, Ste 203 – Moscow, ID

208-882-1234

Debbie Holmes

Financial Advisor 6600 Commercial Park Ave Suite E – Rathrum, ID

208-687-5765

Steve Wilkins Financial Advisor 3022 E. 57th Ave. Suite 15

509-535-4501

Matthew R. DelRiccio

Financial Advisor 2922 S. Grand Blvd

509-838-2408

OUTLYING AREAS

Jesse Applehans Financial Advisor 1875 N Lakewood Dr Ste 202 Coeur D’Alene, ID

208-676-9450

Tyrone Barbery

Financial Advisor 12611 W. Sunset Hwy., Suite A, Airway Heights

509-244-9737

IDAHO

SPOKANE - NORTH

AAMS® Financial Advisor 2603 W. Wellesley Ave

509-924-0581

Scott Brockway

Financial Advisor 708 N. Argonne Suite 3

IDAHO

SPOKANE - NORTH

Financial Advisor 218 N. Bernard St. Suite 100

Carla E. Brooks, AAMS®

Financial Advisor 2901 N Argonne Suite 1-B

Greg Bloom

Financial Advisor 1260 SE Bishop Blvd. Suite C Pullman, WA

509-332-1564

Christopher C. Grover, AAMS® Financial Advisor 1835 First St., Cheney, WA

509-235-4920

OUTLYING AREAS

Carson D. Willingham

Financial Advisor N 920 Highway 41 Suite 7 Post Falls, ID

Sue Poe, CFP® Financial Advisor 126 S. Main St. Colville, WA

509-684-6649

208-773-0009

Chris McCartney, AAMS® Financial Advisor 298 South Main Suite 102 Colville, WA

Ryan C. Moore Financial Advisor 110 W. Crawford Suite F, Deer Park

509-276-2974

509-684-8414

Call, visit or check out our website today. www.edwardjones.com

Financial Advisors of Eastern Washington & Northern Idaho

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