Issuu

Presents:

Expo Program & Resource Guide Wednesday, January 31, 2018 9:00 a.m. - 1:00 p.m. Mesa Convention Center 201 N. Center St. | Mesa, AZ 85201

www.seniorexpos.com

Now in our

30th Year

expo

AROUND THE

3 Exhibitor List 4 Schedule of Events 5 Sean Hoy, emcee 6 Services for Seniors 9 Iora Primary Care 10 Ms. Senior Arizona 12 The Duttons 14 Cameo Foundation 16 Winter Colds

to the Welcome

18 Medicare in 2018 20 Puzzles 22 Area Agency on Aging 24 Will or Trust? 26 Aging Today 27 Ask the Expert 29 Opioids and Misuse 30 Lovin’ Tech 31 Retirement Report

EXPO

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Niki D’And

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Proud Member of

Ageless Attitudes Since 1979

HAVE A GREAT TIME!

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Lovin’ Life After 50 is distributed by AZ Integrated Media, a circulation service company owned by Times Media Group. The public is permitted one copy per reader. For further information regarding the circulation of this publication or others in the Times Media Group family of publications, and for subscription information, please contact AZ Integrated Media at circ@azintegratedmedia.com or 480-898-5641. For circulation services please contact Aaron Kolodny at aaron@azintegatedmedia.com.

Arizona Newspapers Association

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This is the official program for the 2018 Lovin’ Life Expo. For more than 30 years, Lovin Life After 50 has hosted expos in the Tucson and Phoenix metro areas. Each year, thousands of those enjoying life after 50 attend our events to become more familiar with products and services in their community. If you would like to become an exhibitor at one of our future expos, please get your application by contacting our expo coordinator.

A BETTER WO A BETTER WORLD + YOU

A BETTER WORLD + YOU A BETTER WORLD YOU Cigna+ proudly supports the Lovi

Cigna proudly supports the Lovin' Life After 50 Expo. We salute the outstanding achievements of Times CignaGroup. proudlyTogether, supports the Lovin' 50aExpo.achie Media weʼre making theAfter world We salute the Life outstanding better, healthier place to live.achievements of Times We salute the outstanding

Media Together, weʼre m Cigna proudly supports theMedia Lovin' LifeTogether, After Group. 50 Group. weʼreExpo. making the world a better, place to live. better, healthier placeof tohealthier live. We salute the outstanding achievements Times Media Group. Together, weʼreAmaking the world a + YOU BETTER WORLD All Cigna products and services are provided exclusively by or better, healthier place to through live.Cigna operating subsidiaries ofLovin' CignaLife Corporation, including proudly supports the After 50 Expo.

Cigna HealthCare of Arizona, Inc.achievements The Cigna name, logos, and other We salute the outstanding of Times Cigna marks are owned Cigna Intellectual Property, All Cigna products andby services are provided exclusively by or Media Group. Together, weʼre making the world a Inc. CignaHealthSpring is contracted with Medicare for PDP plans, HMO and through operating subsidiaries of Cigna Corporation, including better, healthier place to live. PPO plans in select states, andproducts with select State Medicaid programs. Allof Cigna and services Cigna HealthCare Arizona, Inc. The Cigna name, logos, andare otherpr Enrollment in Cigna-HealthSpring on contract renewal. Cigna marks are owned byoperating Cignadepends Intellectual Property, Inc.of Cignathrough subsidiaries Cign 910601 10/17 © Cigna. H0354_18_59935 10072017 HealthSpring is 2017 contracted with Medicare forAccepted PDP plans, HMO and

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are owned by Cigna Property, Inc. CignaPPO plans inIntellectual select states, with sel Cigna HealthCare of Arizona, Inc. Cigna Themarks Cigna name, logos, and otherand HealthSpring is contracted with Medicare for PDP plans, HMO and in select Cigna-HealthSpring plans in Enrollment select states, and with StateCignaMedicaid programs. dep Cigna marks are owned by CignaPPO Intellectual Property, Inc. Enrollment in Cigna-HealthSpring depends on contract renewal. HealthSpring is contracted with Medicare PDP plans, HMO and10072017 10/17 © 2017 Cigna. H0354_18 910601 10/17910601 © for 2017 Cigna. H0354_18_59935 Accepted PPO plans in select states, and with select State Medicaid programs. | JANUARY 2018 EAST VALLEY EXPO PROGRAM Enrollment in Cigna-HealthSpring depends on contract www.LovinLifeAfter50.com renewal.

Presents:

2018 Exhibitors • Dentistry at Power Ranch • Aesthetic Family Dental • Dignity Memorial • Aetna • Discovery Point • AFC Physical Medicine & Chiropractic • Dispatch Health • Amada Senior Care • Dolce Vita Luxury Homes • American Physical Medicine • East Valley Adult Resources • AmeriCare • Enhanced Medical Centers • AmeriLife of Arizona • Extreme Energy Solutions • Angels Cremation & Burial • Fletcher Music Centers • Area Agency on Aging • Friendship Village Tempe • Arizona Department of Gaming - • Fuller Life Chiropractic Division of Problem Gambling • Gentle Dental • Arizona Renaissance Festival • Good Samaritan Society • Arizona Senior Olympics Mesa Good Shepherd • Arizona Spine & Joint • Grand Canyon Railway & Hotel Hospital • Hear USA • Brookdale Senior Living • Hospice of the Valley Chandler • Humana • Cameo Foundation • Iora Primary Care • CapTel Outreach • Massage Envy • Century Financial Consultants • Mesa Market Place Swap Meet • Chandler Senior Center • Miracle-Ear Hearing Center • Cigna Health Care • Mountain Vista Medical Center • City of Scottsdale Senior Services • Pella Windows and Doors Mountain West • ClearCaptions www.LovinLifeAfter50.com

• Penasco Del Sol Hotel • Premier Cardiovascular Center • Premiere Retirement Planning & Wealth Management • ProSmart Realty • Real Estate Finance Corporation • Reliant Capitol • Renewal by Andersen • RJP Estate Planning • Roadhaven Resort • Sante • San Tan Memorial Gardens at Schnepf Farms • Southern Pavilion Self Storage • Synergy HomeCare • The CORE Institute • The Duttons • The Park at Copper Creek Independent Living • The Well Chiropractic Clinic • T-Mobile • Total Image Med Spa • Tri-City Cardiology • Wall-2-Wall Dance Center

JANUARY 2018 | EAST VALLEY EXPO PROGRAM

Presents:

2018

Event Schedule

9 a.m...............Exhibit opens

9:15 a.m. .......Official welcome by Sean Hoy, emcee 10 a.m. ...........Door prizes; $100 drawing giveaway 10:05 a.m. ....Sponsor announcements 10:10 a.m. ....Ms. Senior Arizona performs Sean Hoy, emcee Ms. Senior Arizona

11 a.m. ...........Door prizes; $100 drawing giveaway 11:05 a.m. ....Sponsor announcements 11:10 a.m. ....Ms. Senior Arizona performs Noon ...............Door prizes; $100 drawing giveaway 12:05 p.m. ....Sponsor announcements 12:10 p.m. ....The Duttons perform 1 p.m. .............Expo concludes

EAST VALLEY EXPO PROGRAM | JANUARY 2018

www.LovinLifeAfter50.com

Host Sean Hoy brings his talents to the expos BY CHRISTINA FUOCO-KARASINSKI Sean Hoy likes to say he has three talents: humoring, cartooning and interviewing. “When I was younger, I always had little talk shows,” he says with a laugh. “I’d even interview myself – ‘What do you think about that, Sean?’ ‘I think that’s great, Sean!’ ‘What’s a great idea, Sean!’” When he hosts the Lovin’ Life After 50 Expos, he incorporates the skill set. “I love doing those,” says Hoy, who will appear January 16 in Tucson, January 23 in Sun City, and January 31 in Mesa. “I have such a free rein of just being me and bringing my personality. I just love it. I’ve been doing it now for three years. It’s neat that I get to see the same people I’ve befriended. It’s such a neat thing.” Hoy is a multitalent. He hosts the web series The Howlarius Show, in which he interviews people about their dogs. An avid canine lover, Hoy, who has worked with the Arizona Humane Society, has found his calling. Visit hoylarious.com for more information. “I had my Hoylarious show on Dave Pratt’s Star Worldwide Networks, and I would interview musicians, artists and

Sean Hoy has hosted several LLAF expos. (Photos by Kimberly Carrillo)

politicians. It was a variety-type talk show,” Hoy says. “Sometimes, people wouldn’t talk. These are people who have performed in front of thousands of people. Then I’d say, ‘What about your dog, Sparky,’ or whatever, and they would just start talking. One thing led to another, I changed the Y to a W and we have The Howlarious Show.”

Sean Hoy...continued on page 7

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Services for Seniors A directory of programs and services for senior residents in the Phoenix and Tucson areas GENERAL INFORMATION Arizona Assisted Living Federation of America 602-322-0100 Arizona Department of Health Services 602-542-1000 Arizona Health Care Association 602-265-5331 Arizona Hospice & Palliative Care Organization 480-967-9424 Benevilla 623-584-4999 Community Services Administration 602-542-6600 Family Caregiver Alliance 800-445-8106 Foundation for Senior Living 602-285-1800 Governor’s Advisory Council on Aging 602-542-4710 Information and Referral Services Phoenix: 602-263-8856 Tucson: 520-325-1303 Long Term Care Ombudsman 602-542-4446 OASIS 520-795-3950 x 2113 Office of Aging and Adult Administration 602-542-4446 Senior Help Line 602-264-4357 Volunteers for Hospice 623-583-4490

HEALTH SERVICES Alzheimer’s Association 602-528-0550 American Cancer Association 602-224-0524 American Heart Association 602-414-5353 American Lung Association 602-258-7505 American Parkinson Disease Association 800-908-2732 American Red Cross 602-366-6660

EAST VALLEY EXPO PROGRAM | JANUARY 2018

Arthritis Foundation 602-264-7679 Easter Seal Society of Arizona – Stroke Club 602-252-6061 EMPACT Suicide Prevention Center Phoenix: 480-784-1500 Statewide, toll-free: 866-205-5229 Phillip’s Lifeline 520-465-4111 Tucson Medical Center’s Seniors Program 520-324-1960

AREA AGENCIES ON AGING Maricopa County: 602-264-2255 Pima County: 520-790-7262 Gila, Pinal County: 520-836-2758

ARIZONA LONG TERM CARE Glendale: 602-417-6000 Mesa: 602-417-6400

Phoenix: 602-417-6600 Tucson: 520-205-8600

CASE MANAGEMENT PROVIDERS Senior Adult Independent Living – Help Line Maricopa County: 602-264-2255 Adult Protective Services – AZ 877-815-8390 Our Family Services 520-323-1708 Jewish Family & Children Services 520-795-0300 City of Phoenix Community Services 602-262-6631

FINANCIAL INFORMATION Arizona Veterans Service Phoenix: 602-627-3261 Tucson: 520-207-4968 Catholic Social Services Phoenix: 602-997-6105

Tucson: 520-623-0344

Arizona Department of Economic Security Phoenix: 800-352-8168 Tucson: 800-835-2100 Medicare/Social Security 800-772-1213 Medicaid (AHCCCS) Phoenix: 602-417-4000

Tucson: 520-205-8600

Supplemental Security Income (SSI) 800-772-1213

www.LovinLifeAfter50.com

Sean Hoy...continued from page 5 Recently, his cartooning skills came into play when he painted murals at bird-themed The Perch Brewery, 232 S. Wall Street in downtown Chandler. “I’ve done placemats, too, along with discount cards, gift cards and a pedicab,” he says. “I did a mural about how beer is made. It’s ‘Hoy style’ with birds. It takes you from how beer is made through serving beer. It’s 15 feet long and that was really fun.” The two murals on the upper level of The Perch have a whimsical feel. Soon, he will begin work on a rustic mural on a brick wall within The Perch, and he will jazz up the brewery’s food truck. Hoy was born in Alexandria, Virginia. His father was the White House photographer for The Washington Post from 1963 to 1972. His mother worked there, as well. “He has pictures of Kennedy, Nixon and Johnson,” he says. “He has pictures of him and Johnson shaking hands and talking. He earned a doctorate and taught at Syracuse, before coming here to help start the Walter Cronkite School of Journalism and Mass Communication with the man he called ‘Wally.’ “Photojournalism was his thing at ASU. I was the State Press cartoonist for three and a half years and he mentored photographers. We were very close.” Hoy has worked with underprivileged children, and also does corporate training.

Hoy poses with one of his murals at The Perch.

“I go to different companies and teach the staff how to communicate better with improv techniques,” Hoy says. “I don’t like to say ‘comedy,’ because people will think it’s dirty.” He’s not one to take any of his talents for granted. “Every day, I am grateful for all my talents,” he says. “I want to use them to the best of my abilities. I want people to smile. I don’t need a belly laugh. When people say, ‘You’re a breath of fresh air,’ that’s the best compliment in the world. If I made you smile or made your dog wag his tail, that’s my day. I’m done. Drop the mic.”

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Iora Primary Care is shaking up how seniors are treated BY BECKY BRACKEN In a happy, sunlit room, six Mesa seniors gathered around a large table for a couple of hours of sharing and storytelling. There’s a former farmer and his wife, a man who just celebrated his 80th birthday who used to work in the cotton fields, and a woman who worked on commercial fishing boats in Alaska. They told tales about their childhood, their loves lost and found, and laughed. What might not be obvious at first glance is that these seniors are at their doctor’s office, Iora Primary Care, a new kind of primary care doctor’s office with the aim of treating seniors as whole people, rather than just a chart of ailments and medications. Iora, which is partnered with Humana, wants to shake up the way seniors 65 and older get their care, and in turn, live their lives. Storytelling is just one part of that. The storytelling session opened with a brief presentation from Iora’s staff Health Coaches, who talked about the benefits of storytelling to everyday health and wellness. From forming a more meaningful connection with others to helping with memory, recounting tales from days past has a direct impact on the health of these seniors, and getting them together to share is just one part of how Iora’s team wants to engage their patients in an entirely new way. Just walk in the front door to the practice, and it’s obvious there’s nothing run-of-the-mill about what’s happening there. Puzzles in varying stages of completion sit on big meeting tables in the lobby. There’s always a bustling schedule at Iora. Yoga, Silver Sneakers, classes on balance and healthy habits are all offered weekly, in addition to the standard doctor visits. The facility itself is tailor-made for seniors, according to the practice’s clinical team manager, Sarah Cabou, with wide doors for easy wheelchair access, low exam tables so tender knees and hips don’t get over-extended and large monitors hanging over tables that let patients see in real time what doctors are adding to their medical records. And because not all visits to Iora require a physical exam, comfortable rooms with couches are available for patients to just sit and talk if that’s all they need. The practice opened its Higley location in late 2016 and already has more than 400 patients. Cabou said they’re looking to add more. So far, patients seem to be enjoying the change of pace from a typical primary care practice model. “How could I get any better than this?” one patient, a 91-year-old man, attending the storytelling session with his wife, said. “I’m spending the afternoon sharing with you fine people. This beats sitting at home any day.” Iora Primary Care has seven locations throughout the Valley. For more information, visit ioraprimarycare.com. www.LovinLifeAfter50.com

Iora Primary Care’s Mesa location is one of seven throughout the Valley. (Photo special to LLAF)

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Celebrating the

Age of

Elegance Leta Sproule finds Ms. Senior Arizona prize inspiring BY CHRISTINA FUOCO-KARASINSKI

Leta Sproule was at peace as she awaited her turn to compete in the 2017 Ms. Senior Arizona Pageant. Usually, before she sits down at her piano, her hands get cold, forcing her to wear gloves to literally warm up for her performance. Butterflies fill her body. None of that happened this time. Her cool yet playful demeanor and artistic talents led to her coronation. “They had told us that we would have a few nerves,” says Sproule, who lives in Sun City West with her husband of 21 years, John. “A few jitters are good, I guess. But I truly understood for the first time that true peace surpasses understanding.” Since last March, Sproule has been promoting Ms. Senior Arizona’s mission of giving women ages 60 and older – otherwise known as “the age of elegance” – the opportunity to display their inner beauty, talents, charm and elegance. She has attended parades, benefits and special events geared toward seniors, and supported the Cameo Foundation, which provides resources to domestic violence survivors. Sproule, 67, learned about the Ms. Senior Arizona Pageant through a friend. Sproule Googled the event, looked at photographs of previous winners and read the mission statement. 10 EAST VALLEY EXPO PROGRAM | JANUARY 2018

“At first, I said, ‘No, no, no,’” Sproule says with her slight Southern accent. “Then I prayed. I said, ‘God, if you can be glorified in this, I will do it.’” She thought that no amount of prayers would lead to a victory at the pageant, run by former winner Herme Sherry and her husband, Ken. Sproule’s performance belied that at the pageant in Surprise on March 18, 2017. She confidently moved from her piano to the stage for a flamenco dance to original music. For her efforts, she not only won Ms. Senior Arizona, but Most Photogenic, Most Elegant and tied for Best Philosophy with Mesa resident Shirlene Rutledge. More importantly, she earned a group of lifelong friends, including fellow contestant Bonnie Sisson of Scottsdale.

Longtime musician

Sproule was born in Tennessee and spent her formative years in Nashville. She attended Peabody College, which was absorbed into Vanderbilt University, and earned bachelor’s and master’s degrees in music and human resources, respectively. After graduation, she worked as a financial planner for nonprofits and schools.

Elegance...continued on page 11 www.LovinLifeAfter50.com

Elegance...continued from page 10 “I loved helping people in the not-for-profit c o m m u n i t y ,” Sproule says. “I always loved numbers and I put on my Ms. Senior Arizona Pageant bio that I have an interest in macroeconomics. There probably wasn’t anybody else who said that. “When I was growing up, and other kids were learning nursery rhymes, I was learning to Leta Sproule, Ms. Senior Arizona 2017. (Photos by never purchase a Kimberly Carrillo) depreciating asset on credit. It took me a long time to learn what a depreciating asset was. I also learned very early on that if you save by the 10th, you can earn interest from the 1st. There’s 10 extra days of interest earned. It was natural for me to help teachers and not-for-profits.” Sproule was slow to appreciate Nashville’s vibrant country music scene. She loved Elvis Presley and eventually grew to enjoy singers like Carrie Underwood. Music, as a whole, inspired her, though. Sproule first sat down to the piano at age 8 and it came easily to her. “When it came time for college, of course I was going to major in music,” she says with a smile. “Peabody was right there. I went there and got my degree. I had a couple kids along the way. “When I was in college, I switched to organ instead of piano. When I graduated, I was playing in a lot of churches around town. Instead of playing every Sunday, I would substitute so I could be with my family.” The Sproules moved to Anthem in 2001. They lived there for eight years, until John’s corporate investments and pension sales job took them back to Nashville. With each move, her piano came along. “John retired four years ago and it was just an obvious choice to move back to Arizona,” Sproule says. “It wasn’t until I moved here that I picked up the piano again. It was God’s timing. I truly had not played the piano – only for a little bit – in 20 years.” Her church, Palm West Community Church in Sun City West, asked her to play piano, as well. “I never played piano in church when they asked me to do that,” she says. “I had to start practicing again. John was www.LovinLifeAfter50.com

grateful. He had not heard me practice. “I’m not sure I would have had the nerve to do the pageant if I hadn’t started playing piano again. I want to encourage other women to participate. It truly is a life-changing experience, win or not.”

Show Off Your Talents The search is on for the Cameo Foundation’s 29th annual Ms. Senior Arizona 2018 contestants. Open to women ages 60 and older, the pageant is set for 6 p.m. Saturday, March 24 at Valley Vista Performing Arts Center, 15550 N. Parkview Place, Surprise. Radio personality Danny Davis will once again emcee. For contestant or pageant information, call 602-7889556, email msseniorarizona2004@cox.net, or visit cameofoundation.org or msseniorarizona.com. The event is sponsored by Times Media Group and Lovin’ Life After 50, John Wallick Jewelers, Rose Tuxedo, Applause Productions, Cummins Photography, Sierra Winds Senior Living, Freedom Inn at Scottsdale, Gartman Technical Services, Moore Graphics and Heritage Tradition.

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Humble Gratitude The Duttons’ matriarch is grateful for family time BY CHRISTINA FUOCO-KARASINSKI Sheila Dutton never expected she would become a musician. Her husband, Dean, was a tenured economics professor, and she saw music as a “true weakness.” Now the couple lead The Duttons, a multigenerational family of musicians who found fame thanks, in part, to appearances on the second season of America’s Got Talent. “I never imagined I’d be in music, period,” she says with a laugh. “I am the most unlikely person in the world to be doing what we’re doing. I was slow to come around to the idea. I thought it was maybe a frivolous activity, going around performing for people. “I had a series of experiences that really opened my eyes to the effect music has on people,” she adds without elaborating. “Then, after several of those experiences in the 1980s and 1990s, I supported what the kids wanted to do. My husband took an early retirement to do this full time.” The Branson, Missouri-based band is currently in Mesa for its winter residency at the Dutton Theater Mesa at East Valley High School. The family has performed there since 2005, and in 2010, it partnered with EVHS to renovate and update its auditorium.

Please Visit our Booth for Special Offers and Gifts!

The Duttons have five shows during their time here, which began December 9 and wraps March 31. This month, a variety show comes to EVHS from Thursday, January 18, to Saturday, January 27. Pickin’ and G r i n n i n ’ Sheila Dutton says “there’s something about the family that s h o w c a s e s resonates with a lot of people.” (Photo courtesy The Duttons) The Duttons’ favorite bluegrass and country tunes from Thursday, February 1, to Saturday, February 24. The band will “Duttonize” rock songs from Thursday, March 1, to Saturday, March 17, and it performs its most requested tracks from Thursday, March 22, to Saturday, March 31, during End the Season in Style. The Duttons skipped their New Year’s Eve shows last month because it fell on a Sunday, the day they do not perform. “We feel honored to be able to do this because of the sweet experiences and the joy we feel, and the happiness that so many people experience when they come to our show,” she says. “It leaves me with this feeling of humble gratitude, like how can anything so good happen? There’s something about the family that resonates with a lot of people. This has done so much for our relationship with our children. They knew they were loved because we practiced with them every day. It’s not the material things you do for your children. It’s the time we spent with the kids that has made a huge difference in our family.”

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The group will also perform at the Lovin’ Life After 50 Expos in Tucson (January 16), Sun City (January 23) and Mesa (January 31). For more information, visit lovinlife.com.

EAST VALLEY EXPO PROGRAM | JANUARY 2018

www.LovinLifeAfter50.com

AREA AGENCY ON AGING

Looking Ahead… Embrace your Next

Chapter REGISTER TODAY Healthy Living Classes Medicare Education and Counseling Behavioral Health Programs Care Coordination Family Caregiver Support Volunteer Opportunities Aging Mastery Program®

The Area Agency on Aging offers programs and classes to help you enjoy your next life chapter.

More information at

aaaphx.org 602-264-4357 www.LovinLifeAfter50.com

JANUARY 2018 | EAST VALLEY EXPO PROGRAM

Cameo Foundation aids domestic violence shelters BY CHRISTINA FUOCO-KARASINSKI When Herme Sherry was named Ms. Senior Arizona in 2004, she was asked what she planned to do during her reigning year. “I said, ‘I want to help somebody,’” Sherry said. She, in turn, created the Cameo Foundation, the beneficiary of the Ms. Senior Arizona Pageant. The Cameo Foundation originally raised funds for Alzheimer’s disease associations, but Sherry has since changed her focus to domestic violence shelters because, she said, the need is greater there. “We felt that cancer and heart disease and Alzheimer’s get national help, but domestic violence does not,” Sherry said. Sherry said now is the time to start talking openly about domestic violence. “When I grew up, it was a secret,” she said. “You didn’t talk about it. It still is, to a certain degree. Ladies need to know that they do have an option. They don’t have to stay. The children are frozen in fear. And shelters are struggling for funds to keep the doors open.” The Cameo Foundation holds fundraisers throughout the year to raise monies for those shelters. Keep tabs on cameofoundation.org for a list of those events. This year’s

Ken and Herme Sherry, Ms. Senior Arizona 2004, run The Cameo Foundation. (Photo special to LLAF)

Ms. Senior Arizona Pageant will be held Saturday, March 24 at Valley Vista Performing Arts Center in Surprise. For more information, call 602-788-9556.

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Winter colds and hearing loss BY KEN ARCIA

Arizona Relay Service

Although the winter months kick off a much-anticipated time of year here in Phoenix, we’re all a bit too familiar with the dreaded winter cold. Along with dropping temperatures come stuffy noses, sore throats and general chest and ear congestion. If you’re quick to react, taking these precautions can help you stop a winter cold in its tracks: Wash your hands. You never know what kinds of germs are being spread throughout your office, or the germs your child may bring home from his or her classroom. Keep hand sanitizer with you at all times and make sure to load up before putting your hands near your face. Keep your hands out of your mouth. This comes straight from tip No. 1. You are constantly picking up germs with your hands, so keep your hands away from your eyes, nose and mouth unless you’re sure your hands are clean. Rest. If you want your immune system to be healthy enough to fight off infection, you need to let it rest. Go to bed early and get good, uninterrupted sleep. Take vitamins and drink water. Give your immune system an extra boost with daily vitamins. The more you can add positives to your body, the more it will be able to keep out viruses.

EAST VALLEY EXPO PROGRAM | JANUARY 2018

Get to the gym. Exercise, especially aerobic, will keep your heart moving, which increases your body’s virus-killing cells. Make sure that if you use a machine or other equipment at the gym, you wipe it down before using it so you don’t pick up any extra germs. If symptoms persist despite taking these precautions, an infection may be looming! When a cold virus develops, fluid can build up in the middle of your ear, preventing sound from traveling correctly from the outer ear to the eardrum. This is why your ears may feel full or conversations sound muffled when you have a cold. Ear infections can also develop when you have a cold due to congestion. If the infection doesn’t go away on its own, medication can be prescribed, but there is also a risk of permanent hearing loss. If hearing loss symptoms brought on by a winter cold persist longer than other symptoms, see your doctor for an in-depth ear check. If your hearing loss from the cold overstays its welcome, you want to make sure there isn’t a more serious issue or permanent damage caused by the virus. Although winter colds may seem inevitable, there are many ways to prevent them. If a cold does end up overstaying its welcome, make sure to get plenty of rest and take care of yourself. If a cold lingers longer than 10 days, it’s time to visit your doctor to rule out other illnesses. Winter is the prime season for these infections to attack, so take precautions early on, and don’t let a cold put a damper on the most wonderful time of the year! For more information, visit acdhh.org or azrelay.org. www.LovinLifeAfter50.com

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The ABCDs of Medicare Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).

There are four parts to Medicare — Part A, Part B, Part C and Part D Here’s an overview of the different parts of Medicare. Part A — hospital insurance helps cover: • Inpatient care in hospitals • Skilled nursing facility

Part C — Medicare Advantage A type of Medicare plan offered by a private company that contracts with the Federal Government. Part C plans: • Include Part A and Part B benefits • Often include Part D (prescription drug coverage) Part D — prescription drug coverage A type of Medicare plan offered by a private company that contracts with the Federal Government. Part D plans add prescription drug coverage to Original Medicare.

• Hospice • Home health care Part B — medical insurance helps cover: • Doctors’ services • Outpatient care and home health care • Preventive services • Medical supplies

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Your Medicare costs in 2018 BY GREG DILL How much will your Medicare cost in 2018? The numbers just came out, so let’s go over them. We’ll start with the Medicare Part B premium. Part B covers doctor services, outpatient hospital services, certain home health services, durable medical equipment and other items. The standard monthly premium for people with Part B will be $134 for 2018, the same amount as in 2017. Under the law, people with Part B pay 25 percent of the costs of running the program, with the government picking up 75 percent. A statutory “hold harmless” provision applies each year to about 70 percent of Part B enrollees. For these enrollees, any increase in Part B premiums must be lower than any cost-ofliving increase in their Social Security benefits. After several years of no or very small increases, Social Security benefits will increase by 2 percent in 2018 due to a cost-of-living adjustment. Therefore, some beneficiaries who were held harmless against Part B premium increases in prior years will see a higher premium in 2018. Part B enrollees held harmless in 2016 and 2017 will see an

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increase in their Part B premiums from the roughly $109, on average, they paid in 2017. An estimated 42 percent of Part B enrollees are subject to the hold harmless provision in 2018 but will pay the full premium of $134, because the increase in their Social Security benefit will be greater than or equal to an increase in their Part B premiums up to the full 2018 amount. About 28 percent of Part B enrollees are subject to the hold harmless provision in 2018 but will pay less than the full $134 premium. That’s because the increase in their Social Security benefit isn’t big enough to cover the full Part B premium increase. The remaining 30 percent of Part B enrollees aren’t subject to the hold harmless provision and will pay the full $134 per month in 2018. This group includes beneficiaries who don’t receive Social Security benefits; enroll in Part B for the first time in 2018; are directly billed for their Part B premium; are eligible for both Medicare and Medicaid and have their premiums paid by state Medicaid agencies; and pay higher premiums because their incomes are higher. Since 2007, beneficiaries with higher incomes have paid higher Part B premiums. These higher premiums apply to about 5 percent of people with Part B. For a chart showing premiums at higher income levels, go to: https://www.cms.gov/Newsroom/MediaReleaseDatabase/Fact-sheets/2017-Fact-Sheet-items/2017-11-17.html The annual deductible for Part B will be $183 in 2018, the same amount as in 2017. Now let’s take a look at Medicare Part A, which covers inpatient hospital care, skilled nursing services and some home health services. About 99 percent of Medicare beneficiaries don’t pay any Part A premium since they’ve worked for at least 40 quarters in Medicare-covered jobs. The Part A deductible that beneficiaries pay when admitted to the hospital in 2018 will be $1,340 per benefit period, a rise of $24 from 2017. The Part A deductible covers beneficiaries’ share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period. Beneficiaries must pay a coinsurance amount of $335 per day for the 61st through 90th day of a hospitalization (versus $329 in 2017) in a benefit period, and $670 per day for lifetime reserve days ($658 in 2017). For beneficiaries in skilled nursing facilities, the daily coinsurance for days 21 through 100 of extended care services in a benefit period will be $167.50 in 2018 ($164.50 in 2017). You can find an explanation of benefit periods (and lots of other valuable information) in the “Medicare & You” handbook, at https://www.medicare.gov/medicare-and-you/ medicare-and-you.html.

EAST VALLEY EXPO PROGRAM | JANUARY 2018

Greg Dill is Medicare’s regional administrator for Arizona, California, Nevada, Hawaii, and the Pacific Territories. You can always get answers to your Medicare questions by calling 1-800-MEDICARE (1-800-633-4227).

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ACROSS

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When it comes to estate planning, most of us are at least familiar with the terms “will” and “trust.” However, it’s important to understand how they work. One difference is that a will goes into effect after death while a trust can be used to distribute property before or after death.

WILLS

A will is a legal arrangement that has several important functions and usually requires at least one witness. (State requirements vary; for instance, two witnesses are required in Arizona.) A will is used to designate your chosen guardian/s for any minor children. A will gives instructions on how you wish your assets to be distributed upon your death. It names beneficiaries of your estate and what they are to receive. A will allows you to choose an executor – a person responsible for overseeing the distribution of your assets. The important thing to remember is that a will is subject to probate. This court process goes into the public record, determines the validity of the will, considers any objections and pays any remaining creditors. Probate can take several months – or even longer if you die without a will.

TRUSTS

A trust is a relationship in which an individual assigns their assets through another entity, called the “trustee.” The trustee is often another individual, a bank or an attorney, and they have the responsibility of transferring title of the assets to the trust’s beneficiaries. Usually, two important goals of a trust are to keep the arrangement private and avoid probate. A trust, however, doesn’t allow you to name a chosen guardian for your minor children, dictate funeral arrangements or determine who gets personal property items not specifically named in the trust. This is why a trust is almost always accompanied by a pour over will. Not everyone needs a trust, but it’s helpful if, for example, you have minor children who will be receiving your assets when they become adults because a trust can specify requirements that must be met before assets will be transferred to them. A trust is also commonly used to assign assets to a charitable organization. Remember, wills and trusts aren’t just for the wealthy – just about everyone has assets of one kind or another. These estate planning tools help you dictate how and when they are to be distributed. It’s important to get professional help that may include an attorney, and it doesn’t have to be an expensive process. Please contact us if you need help with setting up or reviewing your estate plan: Premiere Retirement Planning & Wealth Management, 520-780-9059, premret.com. Jeff Vogan, RFC, CEP is President of Premiere Retirement and Wealth Management and an Investment Advisor Representative for Horter Investment Management, LLC. a SEC Registered Investment Advisor.

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Aging Today: Movement boosts the brain BY BOB ROTH

Managing Partner of Cypress Homecare Solutions

Do you ever do the “ostrich“ when you are presented with new information? Do you figuratively bury your head in the sand to avoid reading the article that challenges you to save for retirement or to exercise your way to better health? I get it. You can almost feel the judgment leaping from the page. As you try to grasp the new information, you are thinking, Those paragons of virtue will never know what it is like to be a mere mortal. Change is difficult and even more so when at the same time you are beating yourself up. Last October, the Nobel Prize in Economics was awarded to behavioral economist Richard Thaler, whose lifetime research has acknowledged that most people make conscious decisions that are not in their own best interest. The media buzz surrounding Thaler was nothing short of serendipity for me, at a time I was trying to reconcile my feeling of frustration as I reviewed the research linking exercise with brain power. I wondered who would not exercise if they really knew how much better everything, especially their brains, would work. The studies have conclusively shown that to improve your thinking skills, you must move. For me personally

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and professionally, as I care for our aging community, I feel discouraged that more people act as Thaler predicts. They act as humans and not as the rational, classical economist suggests. Classical economic theory supports the assumption that everyone would look to maximize utility (economist term for happiness) from good health over a sedentary lifestyle that is wrought with systemic diseases. To keep our bodies, especially our brains, at peak performance, how do we, as the behavioral economist suggests, nudge people in the right direction? Is it in fact safe to assume that collectively we got the memo about exercise and its effect on the brain? Exercise reduces your risk for heart disease, stroke and diabetes. It reduces your risk for more than a dozen types of cancer. Deep down, we all know exercise buffers against the toxic effects of stress and improves the quality of sleep. But are we making the parallel with brain health? Are we aware that exercise is cognitive candy? When you meet those “super-agers” – the ones who seem about 20 years younger than their peers, what impresses you most? Researchers noticed that the people who are aging successfully also seem to be mentally alert. This led researchers to compare the cognitive abilities of someone in top physical condition to those in poor physical condition. Exercise has been associated with an astonishing elevation in cognitive performance compared with those who are sedentary. Test subjects scored better in just about every mental test: • Long-term memory tests • Reasoning tests • Tests that measured attention • Problem solving • Fluid intelligence (improvising off previously learned material) Imaging studies of the human brain have shown that exercising increases blood volume in the hippocampus, the region of the brain deeply involved in memory formation. On a molecular level, exercise stimulates the brain’s most powerful growth factor, BDNF, which stands for brain-derived neurotrophic factor. This protein is responsible for the formation of new neurons or brain cells and increases the connectivity of existing neurons. So the idea that once you reach your 20s you’re stuck with the brain cells you’ve got is a myth. So how much exercise do you have to do? That’s the crazy thing, as it turns out – not that much to see some benefits. Aerobic exercise for 30 minutes two times per week halves the risk of general dementia, and reduces the risk of Alzheimer’s disease by 60 percent. Truly, the best news is that the benefits of exercise are dose-dependent. The more you do, the greater the benefits you reap. The research of behavioral economists has influenced governments and business – from 401(k) contribution defaults to organ donation. With the knowledge that we don’t instinctively act in our own best interests, we need to nudge

Brain...continued on page 27 www.LovinLifeAfter50.com

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What are the advantages of seeing a pain management specialist?

Pain management specialist Dr. Robert J. Berens shares how advancements in chronic pain treatment are providing relief without a prescription.

What advances have made a significant impact in chronic pain treatment? Over the past few decades, the treatment options have been refined and improved for interventional pain medicine. We have many techniques to target specific nerves and try to reduce or eliminate their ability to generate pain signals in the brain. Sometimes we can accomplish this with medication management, and other times minimally invasive techniques can offer more directed treatment with a more rapid resolution. We have advanced techniques in radiofrequency treatments to provide longer-term control of pain, in addition to directed nerve root therapies to establish relief. Spinal cord stimulation is an area of significant improvement. We are now able to implant targeted stimulators into the area of the spine to control abnormal signals to the brain that are difficult to treat with other modalities.

Most patients initially receive their pain care from the primary physician. When pain control is not within reach or a more targeted treatment is available, the primary physician or others will refer to a pain specialist.

When is it time to seek a pain management specialist? Pain can often begin as an acute problem and slowly change into a chronic problem that is difficult to treat. Chronic pain can be from a longstanding problem with or without an initial injury. Once a problem does not appear to be improving, it is likely entering a chronic phase. Acute and chronic pain can be treated by a pain specialist, and this should be considered at any time in the course of the problem. It can often be noted that early referrals to an interventional specialist can often help to provide a more rapid reduction in pain and at times eliminate the source. Dr. Robert J. Berens is board-certified in pain management and anesthesiology. He has been in practice since 1990 and has served as the medical director of the TMC Integrative Pain Center since 2004.

What is interventional pain management? Interventional pain management is a discipline in pain medicine that helps relieve patients of their pain by going beyond medication. It relies on a wide array of therapies to diagnose, reduce and often eliminate a patient’s pain. Minimally invasive techniques have the ability to diagnose a problem and treat the pain accordingly – often via a procedure or treatment, such as injections or devices – and

Brain...continued from page 26 ourselves in the right direction, knowing that movement is the key to brain power. We cannot ignore the millions of years that shaped the human brain, and yet we stuff ourselves in classrooms and cubicles for eight hours at a time. Perhaps one day we will see boardrooms and classrooms with treadmills instead of desks. The human brain evolved under conditions of almost constant motion. Our prehistoric ancestors walked roughly 12 miles per day. Our unique cognitive skills were forged in the furnace of physical activity. We were not the strongest on the planet, but we developed the strongest brains – the key to our survival. Last year, after participating in the Walk to End Alzheimer’s, it occurred to me that in addition to showing my support for the researchers, caregivers, families and patients of this devastating disease, I was also taking these very literal steps to decrease my own risk of cognitive decline. www.LovinLifeAfter50.com

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Older adults can’t be overlooked in the fight against opioid misuse What’s been missing from the conversation surrounding the opioid public health emergency and ongoing prescription drug misuse is its devastating impact on older adults and the significant need for more education specifically for this population. According to the Arizona Department of Vital Statistics, nearly 17 percent of the state’s population aged 55 and older who were admitted to hospitals in 2015 were reported to have Opioid Use Disorder. The “Arizona RX Drug Misuse and Abuse Initiative: A Multi-Systemic, Multi-Level Approach for Addressing Arizona’s ‘Silent Epidemic,’” published by the Arizona Criminal Justice Commission, flatly stated that “adult prescription drug misuse in Arizona is alarmingly high.” Statistics show that 2.5 million older adults struggle with alcohol and drug problems, representing up to 11 percent of all elderly hospital admissions, 14 percent of emergency room admissions and 20 percent of elderly psychiatric hospital admissions. Although people 65 and over represent only 13 percent of the U.S. population, they account for nearly 30 percent of all prescribed medications. And the National Council on Alcoholism and Drug Dependence reports that seniors face a greater risk of harmful medication interactions and even more debilitating general physical effects of alcohol and drugs. The Area Agency on Aging is taking a leading role in addressing the issues of medication management through several key initiatives. The Agency has a long history with Mercy Maricopa Integrated Care (MMIC), formerly the Regional Behavioral Health Authority, to do prevention work that educates older adults and professionals about medication misuse. As part of this work, in 2015, the Agency developed RxMatters, an education presentation in conjunction with Prevention Works AZ and the Arizona Criminal Justice Commission. The program focuses on opioid safe storage and disposal of medication for older adults and their caregivers. In 2016, the presentation reached more than 300 older adults. In April 2017, the Area Agency created a six-week, MMICfunded awareness campaign about the proper use of medications that reached more than 10,000 households. Also in 2017, 16 AmeriCorps members in three Arizona counties took the RxMatters program into the homes of older adults and their caregivers through funding from the Corporation for National and Community Service (CNCS), administered by the Governor’s Office of Youth, Faith and Family. Finally, Area Agency on Aging, Region One and three other state Area Agencies are part of a targeted response grant to address opioid misuse in five Arizona counties. Funding for the effort is from the Substance Abuse and Mental Health Services www.LovinLifeAfter50.com

Administration (SAMHSA) and AHCCCS and in partnership with the Governor’s Office of Youth, Faith and Family. With the Arizona Department of Health Services reporting more than 3,200 suspected opioid overdoses statewide since June 15, 2017, with more than 400 of them resulting in deaths, addressing this crisis as a community has never been more critical. And, in doing so, we cannot overlook – or overstate – the impact of the crisis on one of our most vulnerable populations. Mary Lynn Kasunic is president & CEO of the Area Agency on Aging. For more information about the agency and its programs to fight prescription and opioid misuse among older adults, go to aaaphx.org.

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Tech to be healthy and happy in the New Year BY JUSTIN FERRIS A growing amount of medical research confirms what PE teachers have been saying for decades: Exercise is good for you. However, many of the benefits go beyond weight loss or improved strength and flexibility. According to The Washington Post, two new studies from Harvard University and the Karolinska Institute in Stockholm both confirm that several hours of light activity each day can decrease mortality up to 70 percent. “Light activity” in this case is any movement, including housework or walking a dog. They also reconfirmed that “30 minutes or more of moderate-to-vigorous activity daily can reduce risk of death by 50 percent,” according to Ing-Mari Dohrn, the lead author of the Swedish study. A glance through other recent studies shows that even minimal daily exercise reduces symptoms of anxiety and depression (both in the short term and long term), improves energy levels, helps chronic illness and many more positive results. In other words, you don’t need to make a grand New Year’s resolution to spend three hours a day at the gym – which you

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probably won’t keep – to see improved health and wellness. You just need to find something you enjoy doing or give yourself a bit of incentive. Of course, if you want a little help, technology offers some solutions.

Meetups

One surefire way to keep up with an activity is to share it with The Garmin Vivosports ($200) gets top marks as a high-end fitness tracker. (Special to LLAF) other people. If you aren’t quite sure where to start, try the website meetup. com or download the Meetup app on your smartphone or tablet. This free service connects you with like-minded groups in your area. You can find groups to go hiking, running, swimming, sailing, climbing, dancing, play sports, tour museums or anything else that gives you a bit of movement. If you don’t find a group that offers your preferred activity, then start your own.

SparkPeople

For those who don’t like group activities, prefer more structured exercise or need ideas for non-traditional exercises – say for low-mobility situations – check out sparkpeople.com. This long-running website offers multiple tools for health and wellness, plus expert advice and plenty of community encouragement to help you reach your goals. You can also download SparkPeople apps for your mobile gadgets and the site links up with most fitness trackers and smartwatches to make goal-tracking much easier. The site costs nothing to join, but there are paid levels that unlock more advanced features.

Fitness trackers

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Watch-like fitness trackers burst onto the scene half a decade ago and people quickly learned that they either love them or hate them. Early hardware problems and poor accuracy when measuring heart rates don’t help. However, if you want a way to remind yourself to keep moving, you won’t do much better than a wearable. And if you tried one in the past and had trouble, just know that the technology is much improved. For a basic tracker to count your steps and measure activity levels, review site Sweethome recommends the Fitbit Flex 2 ($60). It’s slim, sleek, simple and connects to most smartphones and computers to show your progress over time.

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The new tax bill and Tech retirement planning

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BY GARRY MADALINE

CORE Retirement Engineering/United Retirement

Is the new tax bill a really big deal? It is -- but most of us will miss this window of opportunity. Let’s be realistic: The new tax bill passed by Congress recently was designed to give corporations, business owners and wealthy individuals substantial tax breaks. Yes, even the middle class gets some tax relief but the relief is only temporary. Tax cuts for the middle class have a sunset provision built in, which means they will revert back to 2017 tax rates, or worse, by 2025. The new corporate tax rates are permanent. However, there is one positive unintended consequence for the middle class that can be made permanent if you take advantage of this opportunity. Tax brackets for most taxpayers have not only been lowered but each bracket has higher limits as well. This means you can earn more money and pay less taxes – that’s a good thing. However, the real advantage will come after you retire if you use this time to lower your future retirement tax liability. In other words, this is a green light for those of you considering starting or contributing into a Roth IRA or Roth 401(k). Money contributed to a Roth 401(k) or converted to Roth IRAs will grow tax-free and all the interest earned on this money will forever be tax-free to both you and your heirs. In addition, no Required Minimum Distributions are required in a Roth IRA/Roth 401(k) account. This is important since the number one cause of Social Security benefits being taxed is too much tax deferred income (RMDs) from retirement accounts during retirement. Reducing or even eliminating this tax liability altogether may actually increase the amount of Social Security you keep for the rest of your life. Remember there are no limitations to how much IRA or 401(k) money you can convert to a Roth. This is vital since old tax rates could be coming back in a few years and I believe they could be much higher as experts are predicting that our debt could reach $25 trillion by 2025. Eventually, this is something the country will have to deal with and you know who really pays – yep, the middle class. Take advantage of this tremendous option currently available to you before it disappears. If your financial advisor or accountant isn’t excited about this Roth opportunity or even sneers at it, you may be dealing with someone who is uninformed or more interested in their future than yours. Either way, you should consider searching for someone who puts your interests first. Remember, at the end of the day, Roth dollars are more valuable to you than any tax deferred account dollars.

If you want to add heart-rate monitoring, stress checking, a strength training mode, activity-detecting GPS and some smartwatch-style bells and whistles, Sweethome gives the Garmin Vivosport ($200) top marks. Most smartwatches, such as the popular Apple Watch ($249-$599), include built-in fitness tracker features and even heart-rate monitoring. However, they’re more expensive, include a lot of additional features you may or may not need, and will be more complicated to use. If your only concern is exercise, then stick with a dedicated tracker.

Geocaching

Geocaching remains a niche activity despite its long history, but for a combination of fun, light activity and incentives, it’s hard to beat. In essence, it is a worldwide scavenger hunt where you use GPS and cryptic clues to find “caches” hidden by fellow players. Caches can be in the city or wilderness, and they can be easy to find or difficult, so you get to choose how much exercise you want. You can also travel around, hiding your own caches for others to find. To get started, go to geocaching. com. If you want more action, you can check out geo-location game apps like Pokémon Go (Android, Apple; free) and Ingress (Android, Apple; free). If you need any more fun ideas for a bit of movement, check out Phoenix.org for continually updated events, activities and attractions around the Valley.

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Garry Madaline is the creator of CORE Retirement Engineering Workshops.

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