Vermont Maturity Summer 2017

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VERMONT MATURITY

CAREGIVING it’s about balance

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Table of Contents SUMMER FUN Vermont State Parks: Top 5 Views.............................5 Champlain Valley Fair..............................................8

CAREGIVERS GUIDE Moving Toward a Cure for Alzheimer’s...................12 Nurturing Relationships & Meaningful Conversations......................................................18 Making Connections Through Remembered Joy.....27 The Paperwork of Caregiving .................................30 Local Support Groups.............................................34

SAVVY SENIOR Tips for Long-Distance Caregivers..........................36

MONEY & FINANCE Keeping Seniors’ Money Safe ..................................38

CAREGIVING:

From relationship building to support and paperwork, it’s all a matter of balance.

—Cover photo by Cami Kenney

HOME & GARDEN From the Garden to the Plate .................................40

THINGS TO DO Connect with Your Family on Genealogy Day.........43 The 25th Annual South End Art Hop......................44

TECH & GADGETS

vm

Best Bikes for Baby Boomers...................................46

Saturday August 5 9 a.m.-3 p.m.

VERMONT MATURITY

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Pull-out Reference Guide See pages 23-26 Vermont Maturity | Summer 2017 | 3

1O Best Days of Summer!

More Info & Specials at www.champlainvalleyfair.org

4 | Summer 2017 | Vermont Maturity

ANIMALS, CONCERTS, SHOWS, RIDES, FOOD, & MORE! ALL AT THE STATE’S BIGGEST FAIR. SAVE UP TO 25% ON ADVANCED DISCOUNT ADMISSION & UNLIMITED RIDE BRACELETS AT PRICE CHOPPER NOW! BUT MAKE SURE TO GET THEM BEFORE THE FAIR, THEY’RE ONLY AVAILABLE UNTIL AUGUST 24TH

Summer Fun

Vermont State Parks: Top 5 Views

Mount Philo State Park (Courtesy photo)

F

ans of Vermont State Parks know and

hillside campsites that give way to dramatic mountain

love the awesome scenery and fantastic

views and authentic character.

views. You might try climbing one of the

Many campers feel that sites at Coolidge have the

mountain summits, or a fire tower, or maybe you want

best views in all of Vermont, providing sweeping vistas

to take a ride up the Mt. Ascutney auto road.

of the Black River valley and the Green Mountains.

Sunsets on Lake Champlain are the best in New

The park is particularly popular during the stunning

England, and the view from Mt. Philo gives you a

fall foliage season. There are extensive hiking trails in

window over the Champlain Valley.

Coolidge State Forest and a large swimming beach at

In summer, you’ll see a sea of green fields and mountains, and sparkly blue lakes. In the fall, colors

nearby Camp Plymouth State Park.

The log lean-tos, picnic shelters and stone fireplace

abound as the autumn foliage spectacle explodes in

were all built by the CCC in the 1930s, adding to the

breathtaking color.

park’s rustic charm.

Vermont State Parks staff selected their top picks for spectacular views.

COOLIDGE STATE PARK, PLYMOUTH A trip to Coolidge State Park is a trip back in time.

MOUNT PHILO STATE PARK, CHARLOTTE Vermont’s very first state park, Mount Philo State Park overlooks Lake Champlain and the Adirondack mountains of New York.

The park remains essentially the way it was when it was

There are two ways to the top—a steep auto road or a

first created by the Civilian Conservation Corps (CCC)

¾-mile hike up the mountain trail. Either way, you will

in the 1930s. Coolidge State Park is the developed

be rewarded by spectacular views of the lake, valley and

recreation centerpiece of the 21,500 acre Calvin

mountains to the west.

Coolidge State Forest, the largest state-owned land holding in central Vermont. It’s known for its rustic feel,

This is also a favorite spot for viewing the spring and fall raptor migrations. The birds use the updrafts Vermont Maturity | Summer 2017 | 5

Summer Fun created by the mountain as they pass through the Champlain Valley.

On top of the mountain is an open grassy picnic area and log-enclosed picnic shelter. The mountaintop shelter is a popular spot for weddings.

Mount Philo State Park has only ten campsites, including three lean-tos, which makes for serene mountaintop camping. Many groups rent out the whole park to host family reunions or wedding ceremonies.

KAMP KILL KARE STATE PARK, ST. ALBANS A former summer camp for boys, Kill Kare State Park Coolidge State Park

is located on Lake Champlain at the southwestern tip of St. Albans Point, a 3-mile peninsula defining St. Albans Bay. Kill Kare is surrounded by sparkling water on three sides, with beautiful views of wooded islands, green hills and the Adirondack

Kamp Kill Kare State Park

Mountains in the far distance. Just offshore are Mosquito and Burton islands, to the northwest lies Woods Island. All three are state-owned, and a passenger ferry runs daily between Kill Kare State Park and Burton Island.

At Kill Kare, you’ll find a large picnic shelter with group-sized grills—a popular venue for wedding receptions, group picnics and family reunions. The park’s main building was a resort hotel in the mid-to-late 1800s.

Today, Kill Kare is a favorite launch site for paddlers heading to Burton, Woods or Knight Island state parks. Burton Island, with its marina and bistro, is a short paddle from Kill Kare and many

Kingsland Bay State Park

visitors will canoe or kayak from Kill Kare out to the island and enjoy breakfast or lunch at the bistro or a hike around the island. Burton Island also has campsites and three cabins to rent. At Kill Kare, you can also enjoy a picnic on the shady, green lawn, a swim in the lake or a stroll through one of the park’s many flower gardens.

NEW DISCOVERY STATE PARK, GROTON New Discovery State Park

Some of the best views in Vermont can be found in the Groton State Forest area, which contains New Discovery, Stillwater, Big Deer, Kettle Pond, Ricker Pond

6 | Summer 2017 | Vermont Maturity

Summer Fun and Boulder Beach state parks.

The 26,000-acre forest is famous for its views of vast expanses of forest and northern bogs and wetlands. The most photographed view in the Vermont State Park system must be Owl’s Head, a promontory between New Discovery State Park and Kettle Pond State Park. You can drive most of the way, or hike if you’d like, but Owls Head is easy to access. On top, there is a stone shelter and commanding views of the surrounding hills, valleys and lakes.

Another popular viewpoint is the boggy wetland leading into Stillwater State Park, where moose sightings are common. New Discovery State Park offers tent, RV and lean-to camping and also has a horse camping area.

Additionally, there are remote lean-tos located within

Why Choose Mansfield Place?

the park on Osmore Pond.

KINGSLAND BAY STATE PARK, FERRISBURGH

Compassion.

Also located along the shores of Lake Champlain is Kingsland Bay State Park. Situated on a quiet bay,

•

Life enrichment programs for fun and fellowship

canoe and kayak rentals, a large hall with fireplace and

•

Nutritious chef-prepared meals and snacks

million-dollar views of Lake Champlain in an estate-like

•

Comprehensive services and amenities designed to support and enhance residents’ lives

this park has expansive lawns, a large swimming area,

setting.

Formerly an elite girl’s camp that Jackie Onassis once attended, this park is the most popular wedding venue in the Vermont State Park system.

There are also two primitive, remote campsites just offshore that are part of the Lake Champlain Paddlers Trail. A kid-friendly nature trail takes you out to the end of MacDonough Point and back. Not far from the park is access to Otter Creek, a favorite paddling spot for nature lovers.

For more information about Vermont State Parks, visit vtstateparks.com.

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F for Young and Young at Heart at the Champlain Valley Fair

Summer Fun

! n u T

he Champlain Valley

agricultural and entertainment

Grandstand entertainment, both

Fair offers ten days

tradition brings together people

the Budweiser Concert Series and

of fun for all ages

from across Vermont, New England,

the other shows coming to the

and interests, an annual tradition

Quebec and beyond. It is the place to

grandstand. Advance tickets to the

that earned the Fair a spot among

see old and new friends, enjoy great

summer’s biggest concerts include

Vermont’s ten best events. The fair

local food and compete for satin blue

gate admission the day of the show.

opens Friday, Aug. 25 at 3 p.m.

ribbons and bragging rights for the

with half price admission and ride

best chili, handmade quilt or heaviest

bracelets all day, and closes on

pumpkin in Vermont.

Sunday, Sept. 3 at midnight.

The “Ten Best Days of Summer”

Vermont’s largest annual

also describes the Fair’s Coca-Cola

This year’s concerts, all at 7 p.m., include: Aug. 25: I Love the 90s, the Party Continues! With TLC, C&C Music Factory and more

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Summer Fun Aug. 27: Brantley Gilbert Sept. 1: John Mellencamp with Special Guest Carlene Carter September 3: Pentatonix The Fair’s staff has not forgotten the thrill-seeking motor sports fans, bringing back the Burnett Scrap Metal Championship Figure 8 Race on Aug. 30, or the Demolition Derby, Aug. 3. The Seth Yacovone Band will be performing before the show and between the preliminary bouts and the finals. The Monster Truck Night of Fire and Destruction will be Aug. 27

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John Mellencamp

Mellencamp in concert Sept. 1

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Grammy-winning rock and roll hall of fame member John Mellencamp is coming to the fair on Sept. 1. The fair’s executive director Tim Shea said, “We are thrilled to have a legend of this magnitude playing this year’s fair.

We are looking forward to a great concert that night for our guests!”

Mellencamp’s career in music, spanning more than 35 years, has seen him transition from pop star to one of the most highly respected singer/songwriters of a generation. A member of the Rock and Roll Hall of Fame, a Grammy winner, a recipient of the John Steinbeck Award, Americana Music Association’s Lifetime Achievement Award and numerous other awards, he is one of the most successful live concert performers in the world.

His newly released album, “Sad Clowns & Hillbillies,” featuring Carlene Carter, is his 23rd.

Tickets are available by phone at 802-86-FLYNN or online at flynntix.org.

Summer Fun — these daredevils will take your breath away as they soar through the air doing acrobatic tricks. Note, admission to the Fair is not included with motor sports advance tickets.

On Aug. 29, the Fair welcomes the ultimate Rolling Stones tribute band, Satisfaction, for a free show in the Coca-Cola Grandstand.

Executive Director Tim Shea notes, “We’ve worked extra hard this year to make sure the fair is affordable for families.

New this year, the Fair is offering

Senior Day Senior Day at the fair is Tuesday, Aug. 29, and those 55 and older save $3 off the admission with ID. “It’s a great day for grandparents to bring their families to the fair and celebrate the last day before school starts,” Shea said. In addition, there will be food vendors offering $3 specials during the midweek.

Friday, Sept. 1, is Military Appreciation Day, with free

games. They are again offering their pay-one-price ride bracelets every day. The ride bracelet can be used to ride all of the rides, all day long. “ Another way to save is advance discount admission and pay-onprice ride tickets available at all Price Chopper grocery stores in Vermont, New Hampshire and upstate New York. Tickets will be available from the beginning of August through Thursday, Aug. 24 and fair guests can save up to 25 percent by purchasing them in advance.

free parking before 1 p.m. on

admission for past and present

weekdays, giving people a chance to

members of our military with a valid

and information on concerts and

come out early and save a few dollars,

Military ID.

free entertainment, or to sign

while enjoying the fair at a quieter time.

“The Strates Shows Midway returns with over 40 rides and

For a complete daily schedule

up for a free e-newsletter, visit champlainvalleyfair.org.

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Caregivers Guide

Moving Toward a Cure for Alzheimer’s and Living Well Now

By Martha Richardson, Alzheimer’s Association, Vermont chapter

I

’ll bet you’ve heard or read at least one story about Alzheimer’s or a related dementia in the last week. You may have even had a recent conversation about a family member or friend who is dealing with dementia. That didn’t happen often five or six years ago, but times are

changing. And that’s making a profound difference in the world of Alzheimer’s.

Like our fellow baby boomers, we want to assure our best health outcomes for the future, and that includes addressing dementia. Advocacy efforts around dementia have dramatically increased since boomers began reaching retirement age. The power of our voices resulted in the development of the National Plan to Address Alzheimer’s Disease. One of the goals of the plan is to develop a disease modifying treatment or cure by 2025. That goal, along with the enthusiastic support of the research community, has spurred significant growth in dementia specific research through the National Institutes of Health making this a very exciting time for Alzheimer’s disease research.

ADVANCES IN ALZHEIMER’S RESEARCH

One of the many teams who took part in the 2016 Walk to End Alzheimer’s. (Left to right) Vermont singer/songwriter Grace Potter; Promise Garden representatives Greg Lothrup, Walt Gundel, Kay Howley and Lisa Beilstein; and emcee Eva McKend from WCAX-TV. (Courtesy photo)

The Alzheimer’s Association is confident that better treatments, earlier detection and prevention strategies will be available in the foreseeable future. The speed with which those achievements occur is directly related to the commitment to Alzheimer’s and dementia research. No one should have to face the devastating effects of Alzheimer’s and dementia.

For this reason, treatment and prevention is an important area of Alzheimer’s research.

The currently approved Alzheimer’s drugs, while modestly helpful to many people, are unsatisfactory. They do not change the course of the disease, but they do provide some symptomatic relief to some people with Alzheimer’s.

Perhaps the most exciting current research efforts are the ongoing Alzheimer’s prevention studies — testing to see if we can intervene with people at high risk before the dementia symptoms start. The Alzheimer’s Association is providing funding to four of these trials.

The Alzheimer’s Association leads or supports a variety of initiatives to accelerate the process of developing new and

12 | Summer 2017 | Vermont Maturity

Caregivers Guide better treatments for the disease. We are the largest private, nonprofit funder of Alzheimer’s disease and dementia research. We host premier global forums — such as Alzheimer’s Association International Conference — for scientists to connect across disciplines, address common challenges, and share new discoveries. In addition, we offer TrialMatch — a free, easy-to-use clinical studies matching service that connects individuals with Alzheimer’s, caregivers, and healthy volunteers with current research studies. Visit alz.org/research to sign up or learn more about TrialMatch.

In addition, we are developing simpler tests and new technologies to detect signs of Alzheimer’s disease earlier. Using advanced imaging technologies, such

Alzheimer’s Association 2017 Programs & Events The Alzheimer’s Association offers a full schedule of ongoing caregiver support groups and education workshops across the State. For a complete schedule or for more information,visit

as PET and MRI scans, we can now see Alzheimer’s-related changes in the

alz.org/vermont.

brains of living people. Studies are currently looking at simpler technologies,

Vermont Telephone Caregiver Support Group

such as blood tests, for early Alzheimer’s detection. By diagnosing Alzheimer’s earlier we may be able to better treat people with the disease. When we have new therapies, we’ll have better knowledge of who needs help at the earliest time point.

We applaud Congress for hearing the call of our nationwide network of advocates and taking action in the fight to end Alzheimer’s. On May 5, 2017, a $400 million increase in Alzheimer’s research funding was signed into law, increasing federal funding at the National Institutes of Health to nearly $1.4 billion. After years of stagnant funding, this is the second year in a row the Alzheimer’s Association request for historic funding increases has been acted on by our federal leaders.

“The Alzheimer’s Association and our sister organization, the Alzheimer’s Impact Movement, represent millions of families facing Alzheimer’s disease, and we know firsthand the importance of investing in research to advance faster against this deadly disease,” said Harry Johns, Alzheimer’s Association and Alzheimer’s Impact Movement president and CEO. “This is the latest in a series of policy victories in the fight to end Alzheimer’s, but more work remains. As the leading voice for those affected by the disease, the Alzheimer’s Association, AIM and our advocates will continue to work with Congress to ensure continued bipartisan support for urgently needed research funding increases and access to necessary care and support services.”

While we are energized by this momentum, leading experts have said a

Held the second Tuesday of each month, 4 5:30 p.m. Build a support group with people who understand. The telephone support group accommodates individuals who are unable to travel to a meeting site. The group helps participants develop coping methods and encourages them to maintain their personal, physical and emotional health. Contact Pamela Beidler, director of programs and outreach, at 316-3839 or pbeidler@alz.org.

Basiliere Golf Classic Aug. 5, Cedar Knoll County Club, Hinesburg.

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Walk to End Alzheimer’s – Champlain Valley Sept. 17 at Shelburne Museum. Regional Walk to End Alzheimer’s events will be held

greater investment is still needed if we are to stay on the path to preventing

in Rutland (Sept. 9), St. Johnsbury (Sept.

and effectively treating Alzheimer’s by 2025. Demonstrating the urgency of

10), Bennington (Sept. 23) and White River

this crisis, the NIH Professional Judgment Budget commissioned by Congress

Junction (Sept. 24). Start a team, join a team,

has already recommended a $414 million increase in spending on Alzheimer’s

volunteer or donate at alz.org/walk.

disease research for fiscal year 2018.

Vermont Maturity | Summer 2017 | 13

Caregivers Guide

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(Left to right) Sheila, Jim and Brooke Dooley at the Vermont Statehouse. (Courtesy photo)

ALZHEIMER’S ASSOCIATION LAUNCHES LIVEWELL Currently, there are an estimated 5.5 million Americans living with Alzheimer’s. Following diagnosis, it is not uncommon for individuals to feel disconnected, isolated or abandoned by others. Denial and fear of what will happen as the disease progresses can prevent many individuals from facing their diagnosis.

The Alzheimer’s Association recognizes that helping people adjust to the diagnosis is important. We have created new online resources to help those in the early stage of Alzheimer’s disease to live well. LiveWell offers interactive tools, including video insights from those living with the disease, to help users navigate the personal and emotional challenges that accompany an Alzheimer’s diagnosis.

LiveWell resources and activities help those living in the early stage confront disease-related challenges by providing personal insights and strategies on how to live a quality life with dementia for as long as possible. We hope that by hearing from others living with the disease, users will begin to embrace the notion that there is life after a diagnosis and use the LiveWell tools to gain a sense of control over their lives.

The LiveWell series features distinct resources addressing issues relevant to the early-stage experience.

Several include interactive activities that allow users to enter customized responses and generate a personalized

Caregivers Guide summary detailing the steps they can take to live well. Each activity was created with input from people living in the early stage of dementia. Some of the resources include:

YOU ARE MORE THAN A DIAGNOSIS A diagnosis and the accompanying losses may impact how an individual sees him- or herself. This experience contains an activity that encourages individuals living with dementia

LIFE AFTER DIAGNOSIS The adjustment to a “new normal” after the diagnosis of Alzheimer’s or another dementia is often a

identity. A personalized word cloud is generated from their responses with “Living with dementia” appearing alongside customized entries to

uncertainty about the future. This

demonstrate that the individual

tool contains video reflection from

is not defined by their diagnosis.

individuals living in the early stage

Individuals can download and share

who recount the emotions they

the image of the word cloud.

diagnosis and the process they went through to accept it.

to focus on their losses rather than their strengths and the support available to them. This resource contains an activity that encourages individuals living with dementia to consider strategies to live a quality

to explore unique aspects of their

period with difficult emotions and

experienced after receiving their

daily challenges that cause a person

life and identify how others may be able to help them with day-today activities both now and in the future. Individuals receive a personal plan based on their responses that can be shared with others to start a conversation about how they may be able to help maximize independence.

“These resources address important

MAXIMIZE YOUR INDEPENDENCE Living with dementia may present

issues that can help individuals living in the early stage of the disease identify what’s important and how

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Vermont Maturity | Summer 2017 | 15

Caregivers Guide they can move forward,” said Pamela Beidler, director of programs and outreach at the Vermont Chapter.

“We encourage individuals living with the disease to use these resources to begin conversations with their care partners about how they can help them to live as well as possible for as long as possible. Engaging in these materials together encourages conversation and can provide a common direction in a life that inevitably changes after a diagnosis.”

The LiveWell materials were developed with funding from the Cigna Foundation World of Difference Grant. Learn how to live

Nancy Sterns Bercaw, author and Alzheimer’s advocate, addresses the crowd at The Longest Day Rally on Church Street in Burlington. (Courtesy photo)

BE A CATALYST FOR CHANGE June was Alzheimer’s and Brain Awareness Month. The Alzheimer’s Association wants your help all year long in raising awareness of

Vermont and nationwide.

In Vermont, more than 12,000 people have Alzheimer’s or another form of dementia. By 2025 more than 17,000 Vermonters will be affected — an increase of more than 41 percent.

well with dementia in the early stage

Alzheimer’s disease and its impact on

Everyone who has a brain is at risk to

at alz.org/livewell.

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develop Alzheimer’s. But we’re at the

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Caregivers Guide tipping point for changing the trajectory of this disease.

We’ve gained great momentum in the recent years, but we must continue to build awareness, support and resources.

Join us to #ENDALZ!

`` Share the facts about Alzheimer’s, and how it impacts families in Vermont.

`` Be inspired by people who share their experiences with the disease.

`` Early detection matters. Learn the 10 Warning Signs of Alzheimer’s Disease. Get started at alz.org/10signs.

`` Keep your brain healthy. Find out how at alz.org/10ways.

Please join in this critically important fight with us in

whatever way you are able.

Help seniors identify healthcare fraud.

Vermont Senior Medicare Patrol (SMP) is looking for qualified volunteers to join forces with other trained retired seniors to help Medicare beneficiaries understand their healthcare rights, to identify billing errors and to combat Medicare fraud and abuse.

A sampling of roles & ways you can help: • • • • •

Be a presenter: theatrical educators & game hosts wanted!

Provide data entry & office assistance Act as a community liaison Conduct research & writing for program publications And much more!

For more information on Alzheimer’s disease or available resources, visit alz.org/vermont or call 1-800-2723900. Get involved! Call Martha Richardson at 316-3839 or email martha.richardson@alz.org.

Martha Richardson is the executive director the Alzheimer’s Association, Vermont chapter.

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Vermont Maturity | Summer 2017 | 17

Caregivers Guide

Nurturing Relationships & Meaningful Conversations

By Stephanie Choate

W

hen a loved one is nearing the

GETTING OLDER IS INEVITABLE. AGING IS

optional

end of their life,

caregivers are faced with a barrage of responsibilities.

Tom Paquette, a social worker with the Visiting Nurse Association of Chittenden & Grand Isle Counties, said caregivers can get caught up in the practical tasks that come with the end of a life. But taking the time to nurture your relationship with your loved one can be a critical part of the process.

“It’s easy to focus on that and not

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focus on that person leaving you and how you are going to have this closure with this person,” Paquette said. “So

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incredibly important.”

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Tara Graham, executive director of the VNA Hospice & Palliative Care Program, said knowing in advance that a loved one is dying gives people the luxury of time.

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www.vermontvisitingnurses.org 18 | Summer 2017 | Vermont Maturity

“Even if it’s a matter of a couple months, you have the opportunity to really acknowledge someone and express your gratitude for them, but

Caregivers Guide also learn what they feel is important and what sort of things they find most valuable in their own life,” she said.

we express how much we love those

you?

Nina Thompson is the executive director of Wake Up to Dying,

closest to us, she said.

“I suggest that we have to have those

an awareness project that asks

relationships all along,” Thompson

tender time,” Paquette added. “You

Vermonters, “What would happen

said. “If you wait until the midnight

talk about what that person meant to

if we paid more attention to the fact

hour when death feels imminent,

you and vice versa. Some really rich

that we die?” Thompson said her work

there are high emotions, high fear,

conversations happen.”

encourages people to “hold this truth

high confusion. That is a hard time

Vermont experts in the field of

on a regular basis,” she said. “I’m not

to say all the things you should have

dying and end-of-life care offered

suggesting a death grip on this truth,

been saying all along.”

several suggestions for nurturing

but hold it lightly and contemplate it

relationships with loves ones as they

from time to time. Really know it and

near the end of their lives.

let it inform the way you live your life.” rather than later. As you get nearer

“For a lot of people, it can be a really

START NOW The experts all stressed the

Thompson said when we take the

Graham also said it’s important “to have those conversations sooner the end of someone’s life, it gets

time to contemplate the fact that we

complicated and it’s just hard,” she

all die, it changes the way we live.

said.

importance of starting early—why

Maybe we are more compassionate, or

That advice can apply to all our

wait until the last stages of life to tell

we change careers, or choose to spend

relationships—not just those with

someone how important they are to

our time differently. Often, it means

loved ones near the end of their lives.

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Caregivers Guide than families anticipate.

“A question we should all ask

“Families say, ‘We didn’t say what we

ourselves is, ‘If this person dies

bothered them,” he said. “There can be an element of forgiveness

tomorrow, are there things we should

wanted to say. We kind of thought we

that needs to happen. Sometimes

have said to them?’” Paquette said.

had a little more time,’” Thompson

people need to bring up anger to get

said. “You have to say it. Don’t wait.”

some resolution. Life is messy, and

Even at the end of life, though, sooner is better, Thompson said.

“It’s really never too late to say

Paquette also said not to delay.

relationships are tough. Sometimes

“People always think they have more

people regret not having those

stuff,” Thompson said. “In end-of-life

time than they do and they don’t have

coaching, one of the things we always

those conversations,” he said.

hit on is, ‘What still needs to be said?’ We encourage people to find an

conversations.”

Graham said you can also gently help your loved one if they need to

GET IT ALL OUT

express something.

“It’s always important to not let

opportunity to say it,” Thompson said.

Paquette said some conversations

“Ask for forgiveness, forgive people, let

can be difficult or even unpleasant,

things be unsaid,” Graham said. “You

people know you have forgiven them

but it’s important to get closure—

can even to give people permission

and really, sincerely try to forgive

which can affect how people grieve

to tell you things they haven’t told

them. Those are really important

later.

anyone, or if there’s something they

things.”

“Sometimes, people will shy away

She cautioned that sometimes an illness can progress more quickly

from talking about things they need resolutions on, things that have

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want to get off their chest.”

Most of the time, though, Paquette said, it’s important to tell the person—

Caregivers Guide often repeatedly—that you love them.

“More often, people really regret not telling the person what they meant to them in the relationship,” he said.

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“When somebody is dying, you really want it to be person-led,” Thompson said. “You may have your own ideas of what should be said and what you want to hear, but really it’s their deal. It’s their show. Just being present with them and letting it be person-led—the dying person— is the most loving thing you can do.”

“It’s about being acknowledged, but trying to not insert yourself,” Graham said. “That’s really difficult because the relationships we have with other people happen in the space between us. We can’t let go of our connection, but at the same time to we’re just given this lifetime.”

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Graham suggested asking your loved one what they found most important in their life, and how they want to be remembered. She said you could also ask what the person might need from you, or what you can do for them.

“For myself, that was helpful to have conversations with my dad about what he enjoyed most and what he’s going to miss,” she said.

Tara said when her father was diagnosed with a terminal illness, she had just learned she was pregnant with a son she would eventually name after her father.

“I wish I had asked my dad what he wished his grandson had known about him,” she said.

GIVE YOURSELF SOME LEEWAY Both Paquette and Graham said people should recognize

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“There will be never be enough time with the people we love,” Graham said. “There will always be unanswered questions and wishes…. I think we have to be gentle with ourselves and not have high expectations.”

“You’re not going to be able to do everything,” Paquette said. “Some people frantically want everything tied up, everything perfect in the relationship. That’s not reality.

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Caregivers Guide We have to forgive the fact that we can’t have closure on everything.”

Graham also said you don’t have to put on a brave face all the time.

“I think it’s OK to cry,” Graham said. “Sometimes people

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think they can’t or it’s a sign of weakness. It’s OK to be as authentic as possible and real. I think it’s perfectly normal to say how sad you are.”

GET HELP Paquette said hospice volunteers are available to assist with a variety of tasks to help preserve relationships for down the road—taking photos, audio recordings, videos for young children, Skyping with those far away, writing letters. They also have volunteer writers and poets who can help someone share their story.

Thompson also said hospice staff—social workers or chaplains—can help you have conversations that may be difficult, or help you work through what you want to say.

She also suggested getting together with others to talk about death and the dying process.

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being an open conduit. Many things will come up by your

“The best thing is to be with that person and love them the basis of all of this. Listening to what they have to say, presence. It doesn’t have to be some deep, dark thing.”

Graham said she has never known a dying person who didn’t like the company of another person.

“Often, it’s just a matter of sitting and being with someone,” Graham said. “Just enjoy the quality of the time you have with each other.”

22 | Summer 2017 | Vermont Maturity

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Central Vermont 50 + EXPO Workshops Avoiding the Dating Game & Finding a True Partner Green Mountain Room – 10:30 a.m.

Presenter: Nicole Leclerc, Compatibles

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Health Coverage After Retirement Green Mountain Room – 11:30 a.m.

Presenter: Derek Obrey, Blue Cross Blue Shield of Vermont

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well Medicare Part D prescription drug coverage and offer personalized assistance to those who have specific questions about Medicare coverage.

Derek Obrey is the Supervisor of Consumer and Business Support Services at Blue Cross Blue Shield of Vermont.

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Central Vermont 50 + EXPO Fraud Prevention Green Mountain Room – 1:30 p.m.

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Presenter Elliott Greenblott is a retired educator with over 30 years experience as a teacher and administrator. He is currently chairman of the Brattleboro Board of Civil Authority, Vermont coordinator of the AARP Fraud Watch Network, serves on the Board of Directors for C.O.V.E. and the advisory board of Senior Solutions in Windham and Windsor counties.

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Caregivers Guide

Making Connections Through Remembered Joy

By Trudy Lyon

I

remember as a child sitting with my grandmother sorting through vegetable and flower seeds each spring. She would start looking forward to planting her gardens and what if anything she would add new to her already large garden patches. She would reminisce about how her flowers and vegetables grew the previous year and what did well and what did not.

When my grandmother developed dementia and was no longer living in her home, we would take her flowers or go for walks in the neighborhood to look at other people’s flowerbeds. She could no longer remember the names of most of the flowers she had once planted and watched grow in her backyard, but she still loved looking at them.

Later, as the dementia progressed and she was not able to get out and around, my sister, who has been a caregiver for as long as I can remember, would take in books or magazines that featured beautiful gardens and numerous varieties of flowers.

Connecting with a person suffering with dementia sometimes takes patience and considering their past experiences to find the things they once enjoyed doing, their likes and dislikes. Finding these areas of interest helps us to connect with that person and to form a relationship with them. As in all

relationships, it is difficult to trust someone that you do not know or have a friendship with.

Those that have been caregiving for years understand that if you cannot get a person to accept help, it may be as simple as not first having gained that person’s trust. A trust that is built on friendship and mutual respect ultimately creates a bond between the caregiver and the person they are taking care of. Almost everyone is willing to accept help from a person they trust and believe has their best interest at heart.

With my grandmother, we could connect with her through the flowers that she loved and cared for her entire life, even after the dementia had started to take over

Vermont Maturity | Summer 2017 | 27

Caregivers Guide and she was not able to articulate her thoughts. I have seen other connections made by looking at photographs of quilts, children, animals, birds, singing, telling stories or playing games. The list is as endless as the people

Donna Jacobs Finalist for Caregiver of the Year

themselves.

It takes time and patience to work with people who are not always able to communicate their thoughts or wishes or make their needs known. Taking time to form a friendship and create a connection with another person allows caregivers to help with their other needs and is essential in being able to provide care. We all need love, acceptance, respect and friendships throughout our lives, regardless of our circumstances or our abilities.

Trudy Lyon is the human resources manager at Northeast Kingdom

TLC Homecare and Nursing caregiver Donna Jacobs earned a top spot as a finalist for 2016 Caregiver of the Year through HomeCare Association of America.

Kelsey Warner, community outreach specialist at TLC, said Jacobs always goes above and beyond in caring for seniors.

“Donna Jacobs is a very outgoing, ebullient, positive woman who is a dynamo of energy and incredibly giving,” Warner wrote in an email to Vermont Maturity. “She has shown sincere commitment, dedication and compassion to her clients, regardless of the challenges each client may possess.”

The award ultimately went to Betty Bibb of Texas.

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Caregivers Guide

The Paperwork of Caregiving Advanced planning is a ‘gift’ for your loved ones

By Stephanie Choate

When someone is in the last stages of an illness—or suffers a sudden medical crisis—families can be left facing baffling questions about medical care.

Vermont experts say having the proper planning in place can be immensely helpful to your loved ones, ensuring they know your wishes.

“I definitely see advanced care planning as a gift you give to your family,” said Cindy Bruzzese, executive director of the Vermont Ethics Network. “Then they’re not left wondering, ‘Did I do the right thing? Did I make the right decision?’ Because, actually, you made the decision ahead of time.”

Bruzzese said the Vermont Ethics Network has been working for more than 30 years to encourage people to be proactive in planning for their future health and end-oflife needs.

“Waiting until you’re sick or dying to start to have

Advanced care planning works best if we do it in bite size steps.”

Glenn Jarrett, partner at South Burlington-based law firm Jarrett & Luitjens Estate & Elder Law, said his office looks at estate planning as a thought process rather than a list of documents to check off.

“We look at it as a planning process that may result in some documents being signed,” he said.

As you and your family begin to think about medical and estate planning, Bruzzese and Jarrett outlined several documents that should be put in place. And they both recommended starting early.

Jarrett and Bruzzese both said that taking the time to plan for end-of-life care and organization can significantly ease burdens for your loved ones.

“Fewer than half of Americans have power of attorney and health care directives,” Jarrett said. “These are very important documents. I can’t tell you how many times

these conversations is just too late,” she said. “It’s a really

family members say the documents made their parent’s

difficult time for people already in the throes of grappling

dying a lot easier, because they had everything in place

with life-limiting disease or something catastrophic.

and they didn’t have to worry.”

Thinking about ‘What does matter to me?’ ‘What is important?’ It’s hard to do that when you’re in crisis.

30 | Summer 2017 | Vermont Maturity

Following are four of the most important planning documents everyone should complete.

Caregivers Guide

HEALTH CARE AGENT/ DURABLE POWER OF ATTORNEY Bruzzese encourages people to start simply at age 18—or now, if you have no advanced planning in place—by choosing a health care agent. A health care agent makes decisions for you if you are incapacitated.

“Vermont doesn’t have laws that govern who will make decisions for you if you can’t make decisions for yourself and you’ve done no planning,” she said.

Choosing an agent is the first step, and from there, having conversations about your general goals is important, she said.

“For most people, having a general sense of goals and values and having a person you trust is the most important thing in terms of advanced care planning,” she said. “It’s impossible to predict the exact situation you’ll find yourself in.”

A health care agent is the same as a durable power of attorney for health care. Vermont changed the terminology in 2005 when it updated its advanced directive laws, Bruzzese said.

It’s also important to elect a durable power of attorney for your finances. The same person can fill both of those roles, but they can also be delegated to different people.

“Power of attorney is probably the most important document I can do with (clients),” Jarrett said.

On the financial side, Jarrett said it’s important to make sure the document includes provisions for making gifts.

“State law is very specific,” he said.

Unless specifically stated, an agent cannot make a financial gift. The agent also cannot make a gift to himself or herself unless specifically stated. That could be important if the agent is a spouse and he or she needs to transfer assets to receive the best Medicaid benefits.

Advance Care Planning is for Everyone Whether you are 18 or 81…

Sudden illness or accident can happen to anyone at anytime.

Start Taking Steps Today!

 TALK to your family and friends about what matters most  STEP 1: Appoint a Health Care Agent  STEP 2: Complete an advance directive with information about your health care goals and treatment priorities  STEP 3: Consider talking with your clinician about a DNR/COLST order to limit use of life-sustaining treatment at the end-of-life. (For individuals who are seriously ill or dying, or who are certain they would not want life-prolonging interventions)  REGISTER your advance directive with the Vermont Advance Directive Registry For more information about advance care planning, advance directive forms, or to order Taking Steps booklets, call (802) 828-2909 or visit VEN online at www.vtethicsnetwork.org

Vermont Maturity | Summer 2017 | 31

Caregivers Guide

ADVANCED DIRECTIVE freestyle. ced care The next step in the planning process is an advan are “This is a one-size-fits-all form, but these decisions directive. free to anything but that,” Bruzzese said. “People can feel seniors, “All Vermonters over the age of 18, and especially ities prior customize the form as they see fit to reflect their with regard should do advance care planning so their wishes Parks, and what matters most to them,” she said. to medical decision-making are know n,” said Kellie in the and Jarrett said there are several schools of thought communications manager at the VNA of Chittenden led in an matter, but he does not recommend getting too detai Grand Isle Counties. for advanced directive.

“Who will speak for them if they’re unable to speak ments “People’s wishes change over time, and you can never themselves due to a health crisis? What kind of treat values? predict what a medical situation will be,” he said. and inter ventions are in line with their wishes and n about Bruzzese said she encourages people to look at an It’s so important for families to have a conversatio can update so their advanced directive as an evolv ing document they their wishes and execute the necessary paperwork cover as their situation in life changes. Early on, they can health care providers know what they want.” it called basic wishes and goals.

The VNAs of Vermont have started an online toolk terminal Further down the road as people age or receive a Start the Conversation at starttheconversations.org. with their t on diagnosis, however, Bruzzese said they can work The resource is intended to help Vermonters reflec ments they loved doctors to hash out medical orders—specific treat their end-of-life wishes, share those wishes with their tive. may or may not want to receive. ones, and lay them out legally in an advanced direc you allow that ents docum “‘Advance directives’ are legal Jarrett also said it’s important to note that a do not the in n be signed to plan and make your own end-of- life wishes know resuscitate order is a separate document that must ding to the event that you are unable to communicate,” accor by both a patient and their physician. ibe descr tives direc sign it in nce “Adva te. websi Start the Conversation For any advanced directive to be legal, you must you s ment directive your wishes regarding the medical care and treat the presence of two adult witnesses. Any advanced g mitin life-li a with ont as would like to receive if you are faced form—like those from other states—is legal in Verm Vermont illness.” long as it is signed and witnessed, according to the out spell you let your family, Vermont’s advanced directive forms also Ethics Network website. You should give copies to ed desir on tions limita s, wishe your your treatment goals and agent and physician. Doctors are required to follow and s organ or e tissu e donat to want you er wheth treatment, advanced directive wishes. your funeral and remains preferences.

Jarrett said the state has a free advanced directive , agent care h healt a nt appoi to just state, “It allows people not registry. Vermonters can send their forms in to the is what about n matio infor fic speci more little a give tive if but also meaning doctors can immediately pull up their direc that tions situa there “Are said. important to them,” Bruzzese tely would needed. would be unacceptable? Are there things you defini do that “It’s a really good idea, and it’s free,” he said. “We want to have done?” are doing that kind that planning.” twork. for all our clients who Vermonters can access the forms through vtethicsne it’s Bruzzese said that because the registry is voluntary, tal, hospi their gh throu forms the s acces also can org. They filled hard to have an idea of how many Vermonters have . home health agency or many local agencies on aging 36,000 out advanced directives, but she said approximately very be can tives direc ced advan Bruzzese said ily Vermonters have registered one. That number is stead much or as out fill can You ized. idual indiv and ed naliz perso and grow ing, she said, as the group broadens its reach people as little of the form as you feel ready for, and some their wishes makes documents more accessible. even choose to dispense with the form and write 32 | Summer 2017 | Vermont Maturity

Caregivers Guide

M R O F E S A E L HIPAA RE

ase form. a HIPA A rele is ce a pl in e of 1996 is a ment to hav ntabi lity Act ortant docu p ou im cc A er h d n ot a n A es—cannot bi lity even relativ rance Porta e— su pl In eo h p lt t a ea th T he H you have w. It means ition un less a l privacy la d ic n co ed l m a l ic a ed er fed t your m rmation abou be g iven info en . ho can be g iv uthorized it nd choose w a forms prev iously a rm fo th a s t n acces e st fi ll ou ca u m ou Y rs s. te n on io ndit on line.

Verm r medica l co ’s office, or n ei a th ci t si y ou b ph a re information l or hea lthca yer, hospita w la r ou y h throug

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WILL/LIVING TR UST W hi le advanced care planning al lows your family case of incapaci to know what to tation, a w ill or do in liv in g trust can ensu carried out afte re your w ishes r your death, Ja ar e rrett said.

“Every state ha s a set of laws th at determine w property if they hat happens to die w ithout a w a person’s ill, which is ca lle said. d dy ing intestat e,” Jarrett In Vermont, your assets ty pica lly go to your spou un less you have se if you are m children w ith a arried— pr ev ious partner.

“Planning your self al lows you to tailor your pl he said. “The st an to your situ ate intestacy la ation,” w s are not flexibl consideration of e at al l. There is actual circumst no ances or facts.”

A w ill on ly cove rs assets that ar e in your name If you have a ba alone, Jarrett sa nk account in bo id. th your and your instance, the as sp ouse’s name, fo sets automatical r ly go to your sp court process of ouse w ithout pr changing the na ob at e— the me on the asse A liv ing trust tr ts. ansfers assets and property in lifetime, then go to a trust during verns on ly thos your e assets that are Jarrett said it’s w ithin the trus important to sp t. ea k w ith your la estate planning w yer to see wha is right for you. t kind of “A lot of people thin k one w ill’s as good as anot differences,” he her, but there ca said. “It’s not ju n be big st a fil l in the blan the client’s need k. We want to ta s and make it su ilor it to it their w ishes.”

He recommends going over w ill s or liv ing trus insurance bene ts—as wel l as lif ficiaries— every e th ree years to mak up to date, thou e sure everythi gh people may w ng is ant to do it mor their situation. e frequently de pending on

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• Easy-to-find information • Helpful blogs & links on: - Estate Planning - Long-term care planning/ Medicaid - Special needs planning - Probate/Trust Administration • Educational opportunities

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864-5951 Vermont Maturity | Summer 2017 | 33

Caregivers Guide

Local Support Groups Below is a sampling of local support groups for caregivers and those they are taking care of. Please call the support groups for the latest times and dates, as meetings are subject to change.

Alzheimer’s Support Groups Alzheimer’s Association, Vermont Chapter

300 Cornerstone Drive, Suite 128, Williston Third Wednesday of the month Helpline: (800)-272-3900

The Residences at Quarry Hill

465 Quarry Hill Rd., South Burlington Third Saturday of the month, 10–11 a.m.

Tanya Seeley, 652-4114

Vermont Telephone Caregiver Support Group

Second Tuesday of the month, 4-5:30 p.m.

Pamela Beidler, 316-3839 or pbeidler@alz.org

Birchwood Terrace

43 Starr Farm Road, Burlington Last Tuesday of the month, 5:30–6:30 p.m.

Kristen Kaigle, 863-6384 kristen.kaigle@kindred.com

The Arbors at Shelburne

687 Harbor Road, Shelburne Third Wednesday of the month, 9:30-11 a.m.

Cathy Michaels, 985-8600 cmichaels@benchmarkquality.com

Allenwood at Pillsbury Senior Communities

90 Allen Road, South Burlington Third Tuesday of the month, 11 a.m.–12:30 p.m.

Wendy Bombard, 735-1123 Wendy@tlcnursing.com 34 | Summer 2017 | Vermont Maturity

The Residence at Shelburne Bay 185 Pine Haven Shores Road, Shelburne First Tuesday of the month, 7 p.m.

985-9847

Caregiver Support Groups Project Independence 112 Exchange Street, Middlebury Third Friday of the month, noon-1:30 p.m.

Nancy Conant, 388-3983 mail@elderlyservices.org

The Residence at Otter Creek 350 Lodge Road, Middlebury Second Monday of the month, 7 p.m.

Courtney Allenson, 377-3388

Grief Support Groups Lamoille Home Health 54 Farr Avenue, Morrisville First and third Tuesday of the month, 5:30–6:30 p.m.

Oona Lee, 888-4651

Cancer Support Groups Cancer Patient Support Foundation Sarah Lemnah, 488-5495 or toll free (888) 277-3707 The Cancer Patient Support Foundation provides support for all of Vermont and northern New York.

CHITTENDEN COUNTY Blood Cancers Support Group Kerry Stanley, LICSW, 847-6873

Caregivers Guide Friends for Life Thursday Tea

Talking Together

Hope Lodge, Burlington

Betty Blouin, 223-7342

First Thursday of the month, 10-11:30 a.m.

Rose Colletti, 847-5714

ADDISON COUNTY

Luncheon for Cancer Survivors and their Caregivers

Helenbach Cancer Support Group Ripton, Vt.

University of Vermont Medical Center, Hematology/Oncology Healing Space

For all individuals whose lives have been affected by cancer.

Nola Kevra, 388-6107

First Tuesday of the month, 12-1:30 p.m.

Rose Colletti, 847-5714

Interage Caregiver Support Group

Luncheon for Caregivers of Cancer Survivors

University of Vermont Medical Center, Hematology/Oncology Healing Space Third Tuesday of the month, 12-1:30 p.m.

Kathleen McBeth, 847-5715

Champlain Valley Prostate Cancer Support Group Hope Lodge, Burlington

Second Tuesday of the month, 6-8 p.m.

Mary L. Guyette, 274-4990, vmary@aol.com

Wives of Prostate Cancer Survivors

The Growth Center, 8 Pearl Street, Essex Jct. Second Wednesday of the month, 7 p.m.

Carla Osgood, 879-1207

Women’s Cancer Support Group The University of Vermont Medical Center Frymoyer Resource Center

747-3587

Other Support Groups Vermont Chapter of the American Parkinson’s Disease Association See website for list of support groups.

847-3366, (888)-763-3366 www.parkinsonvt.org

Brain Injury Association of Vermont Support Groups (877)-856-1772 www.biavt.org

BURLINGTON

Department of Labor, 63 Pearl St., Conference Room A Fourth Friday of the month, 11 a.m.

COLCHESTER

Fanny Allen Hospital, 790 College Parkway

First and third Tuesday of the month, 5-6:30 p.m.

Rose Colletti, 847-5715

First Wednesday of the month, 5:30–7:30 p.m.

Multiple Myeloma Support Group

Isley Library, 75 Main St, Middlebury

Hope Lodge, Burlington

Third Tuesday of the month, 5-6:30 p.m.

Kay Cromie, 655-9163, kgcromey@aol.com or JoAnn Nielson, 847-5649

WASHINGTON COUNTY All Types of Cancer Ellen Fein, 229-1134

MIDDLEBURY

Second Wednesday of the month, 6–7:30 p.m.

Huntington’s Disease

Fourth Tuesday of the month, 5:30–7 p.m.

Contact Linda Martinez prior to attending first meeting at lmarti4068@aol.com.

New England Region Chapter Helpline: (800) 345-HDSA www.hdsa.org Vermont Maturity | Summer 2017 | 35

Savvy Senior

Tips for LongDistance Caregivers

D

ear Savvy Senior, Can you recommend any long-distance

caregiving tips that can help me help

by Jim Miller

things yourself by building a support system…

—— Jim Miller

To find a professional in your dad’s

state? He has physically declined over

visit the Aging Life Care Association

the past year, but is determined to

website at AgingLifeCare.org

Dear Worried, Providing care and support for an

DO-IT-YOURSELF If your dad only needs occasional help, or if you can’t afford to use a

aging parent who lives far away can

care manager, here are some things

be very difficult and stressful. Here

you can do yourself to help him.

are some tips and resources that can help.

When it comes to monitoring and

Assemble a support system: Put together a network of people (nearby friends or family, neighbors, clergy,

caring for an aging parent from afar,

etc.) who can check on your dad

you have a couple options. You can

regularly, and who you can call on

either hire a professional to oversee

for occasional help. Also put together

your dad’s needs, or you can manage

a list of reliable services you can call

things yourself by building a support

for household needs like lawn care,

system, tapping into available

handyman services, etc.

resources, and utilizing technology

Tap local resources: Most

devices that can help you keep tabs

communities offer a range of free

on him.

or subsidized services that can

PROFESSIONAL HELP If your dad needs a lot of help, you

help seniors with basic needs such as home delivered meals, transportation, senior companion

should consider hiring an “aging

services and more. Contact the Area

life care professional” who will

Aging Agency near your dad – call

give him a thorough assessment to

800-677-1116 for contact information

identify his needs, and will set up and manage all aspects of his care.

36 | Summer 2017 | Vermont Maturity

are not covered by Medicare. area, ask his doctor for a referral or

–Worried Daughter

When it comes to… caring for an aging parent from afar… you can either hire a professional… or you can manage

between $100 and $200 per hour, and

my elderly father who lives in another

stay living in his own house.

“

These professionals typically charge

– to find out what’s available.

Use financial aids: If your dad

Savvy Senior needs help with his financial chores,

hire a part-time home-care aide that

you make sure he is moving around

arrange for direct deposit for his

can help with things like preparing

the house normally; computerized

income sources, and set up automatic

meals, housekeeping or personal

pillboxes (medminder.com) that

payments for his utilities and other

care. Costs can run anywhere from

will notify you if he forgets to

routine bills. You may also want to

$12 up to $25 per hour.

take his medication; simplified

set up your dad’s online banking

To find someone, ask for referrals

computer tablets (grandpad.net)

service, so you can pay bills and

through your dad’s doctor or area

that provide important face-to-

monitor his account anytime. Or, if

hospital discharge planners, or try

face video calls; and a variety of

you need help, hire a daily money

websites like Care.com, CareLinx.

websites that can help you coordinate

manager (aadmm.com) to do it for

com, CareFamily.com or CareSpotter.

care (lotsahelpinghands.com) and

you. They charge between $25 and

com.

medical information (reunioncare.

Utilize technology: To help you

com) with other family members.

keep tabs on your dad and manage

For more tips, call the National

excellent resource to look for

his care from afar, there are various

Institute on Aging at 800-222-2225

financial assistance programs that

technologies that can help.

and order its free booklet “Long-

$100 per hour.

Benefitscheckup.org is another

may help your dad, particularly if he’s lower-income.

Hire in-home help: Depending on your dad’s needs, you may need to

For example, there are motion sensors (like Silver Mother – sen.se/ silvermother) and video cameras (nest.com/camera) that can help

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Distance Caregiving: Twenty Questions and Answers.”

Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

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arol Audette has established a tradition of excellence in Chittenden County real estate. She brings over 30 years of experience and a history of treating each client with integrity, quality, attention to detail and personal service to every transaction.

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Vermont Maturity | Summer 2017 | 37

Money & Finance

Keeping Seniors’ Money Safe

By Victoria Lloyd

D

id you know people over 50 years old hold 70 percent of our nation’s wealth? This wealth represents the hard work and savings of the baby boomers. It also provides

the unscrupulous with an opportunity to part you or your parents from their wealth. Financial exploitation is a significant problem, with recent estimates indicating that seniors nationwide are losing more than $36 billion each year to this crime.

The growth of financial abuse and exploitation of elders has many causes. One important part of the problem, though, is the increasing isolation of seniors. Some seniors have no remaining family. Others may have lost a spouse and have children or siblings that live far away. Combine loneliness and isolation with a lack of familiarity with financial matters, and you have the perfect recipe for financial exploitation.

Sometimes, perpetrators are strangers that insert themselves into someone’s life through seemingly friendly phone calls, electronic chats or emails. Sadly, though, perpetrators are not always strangers. Often, they may be younger relatives or trusted friends. The National Center on Elder Abuse reports that 90 percent of the perpetrators are family members or people the victims know well, such as neighbors, friends or caregivers.

Why should we as a society care about this problem? Because financial exploitation of elders touches nearly every family. It breaks basic trusts and relationships, it drains victims of savings on which they depend and it exerts a substantial emotional toll on the victims. Not only do they have to worry about how to pay the rent or buy medicine, but many will feel ashamed and embarrassed that they were so foolish as to trust the perpetrator.

Knowing the signs of financial exploitation help protect against it.

Some common signs include:

`` Unusual activity in an older person’s bank account `` A new “best friend”

`` Closing CDs or accounts without regard to penalty `` Wiring money to unknown people `` Making loans or gifts

`` New powers of attorney

`` Hastily altered wills or trusts 38 | Summer 2017 | Vermont Maturity

Money & Finance The care that increases my enjoyment of life

There are ways to protect yourself and your parents.

First, never share personal information unless you know the person asking for it and you know why they need the information. Do not keep Social Security and Medicare cards in a wallet. A trusted relative, typically a son or daughter, can be added as a joint owner of a bank account, or as an agent under a power-of-attorney document.

These tools have their own pitfalls, but under the right circumstances are worth considering. Professional fiduciaries and daily money managers are paid professionals who manage bill payments and are a good alternative when someone trusted and nearby is not available.

If you or someone you know is a victim of financial exploitation, there is help available.

In Vermont, if you suspect that someone is the victim of financial exploitation and they are a vulnerable adult,

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call Adult Protective Services at 800-564-1612. Local law enforcement can also be called. The Senior Helpline 800642-5119 can help provide guidance and will connect you to the area agency on aging automatically.

If someone is scammed by a business, call the Consumer Assistance Program at 800-649-2424 (tollfree in Vermont) or 656-3183. If securities, insurance, banking or a mortgage are involved, call the Department of Financial Regulation for help at 828-3301.

Not only is financial exploitation multi-faceted and fraught with emotional challenges, finding the right recourse can be a challenge. Don’t despair—keep calling until you find the right resource for your needs.

The good news is that everyone agrees financial exploitation is a growing problem and financial institutions, law enforcement, state agencies and private organizations are all banding together to prevent and mitigate financial exploitation.

Victoria Lloyd is an attorney interested in issues surrounding the financial exploitation of seniors and vulnerable adults.

D

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75 Talcott Rd., Ste 20, Williston 662-5966 • DRGOOSEVT.COM Vermont Maturity | Summer 2017 | 39

Home & Garden

From the Garden to the Plate

Add a bit of color and interest to salads with edible flowers like nasturtium. (Contributed photo by Melinda Myers)

beverages. Consider those, like

small herb containers as edible

M

tomatoes, that taste best fresh from

centerpieces. Just include a pair

the garden. Or create a salad bar

of garden scissors and allow your

by filling window boxes and raised

family and guests to season the meal

beds with greens, hot peppers, green

to their taste.

dishes made from homegrown

onions and more. Just hand your

By Melinda Myers

ake every meal a special event by bringing the garden

to the table. Serve your favorite ingredients. Then allow guests to add their own herbal seasonings right from the garden or container.

Start by growing the ingredients for your favorite recipes and

40 | Summer 2017 | Vermont Maturity

Add a bit of color to your meal with

guests a plate and let them create

edible flowers. Try nasturtium and

their own fresh salad.

daylily blossoms stuffed with cream

Dress up the table or balcony with

cheese, calendula petals sprinkled

a few containers of herbs on your

on your salad and mint leaves a top a

patio, deck or near the grill. Use

slice of chocolate cake.

Home & Garden Include a few herbs and vegetables that can be blended, muddled or added to your favorite beverage. Use the hollow stems of lovage as a straw for your tomato juice or Bloody Mary. You’ll enjoy the celery flavor this edible straw provides. Or pluck a few mint or rosemary leaves to flavor iced tea and lemonade.

Just be sure the vegetables and flowers you select are

Dedicated to hope, healing and recovery.

free of pesticides. Remove the bitter tasting pollen from edible flowers.

START YOUR PREPARATION IN THE GARDEN Once you compile your list of favorites, prepare your garden and containers for a productive growing and entertaining season.

In the garden, add several inches of organic matter such as compost to the top eight to twelve inches of soil.

You’ll improve drainage in clay soil and increase the water holding ability in sandy soils. This is also a good time to incorporate an organic nitrogen fertilizer, like Milorganite into the soil. Be sure to add a mid-season boost to keep your garden healthy and productive.

For container plantings, select a pot with drainage holes and fill it with a quality potting mix. This is also a good time to add an organic nitrogen fertilizer which will eliminate the need for weekly feedings. Just give containers a second application mid-season.

Harvest regularly to keep your plants looking good and producing. Cut the outer leaves of leaf lettuce when four to six inches tall and it will keep growing new leaves.

Pick peppers and tomatoes when fully ripe, so the plant continues flowering and forming new fruit.

H • • • •

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And dress up the table with a bouquet of your favorite garden flowers. Pick a few extras to send home with your guests and they’ll surely remember your special gathering filled with homegrown flavor and beauty.

Gardening expert Melinda Myers has more than 30 years of horticulture experience and has written over 20 gardening books, including “Small Space Gardening” and the “Midwest Gardener’s Handbook.” She hosts The Great Courses “How to Grow Anything: Food Gardening For Everyone” DVD set and the nationally syndicated Melinda’s Garden Moment TV & radio segments.

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Long- & Short-Term Rehabilitation Vermont Maturity | Summer 2017 | 41

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42 | Summer 2017 | Vermont Maturity

Visit today!

Things to Do

Connect with Your Family on Genealogy Day

A

genealogy enthusiast

to connect with family members and

you’ve been meaning to reach out to

is urging Vermonters

remember loved ones who have died.

than to attend the event.

to connect with their

This year’s event will be held in

relatives on Aug. 9 with a free event,

Vergennes at the Kennedy Brothers

Ceal Moran’s Genealogy Day Get

building, located at 11 North Main

Together. Ceal Moran has hosted the

Street, from noon to 8 p.m. Attendees

traveling event since 2009, held in a

can look at some of Moran’s family

different town each year.

history and get ideas for hosting their

“Basically, it’s a chance to remember and honor people,” Moran said.

Moran said the event started as a

own family traditions, as well as gather information about genealogy organizations.

sort of family reunion, and grew into a day where people are encouraged

However, Moran says it’s more important to connect with a relative

“It’s more about people getting Aug. 9 on the calendar,” Moran said. “We want people to do what they want to do on Aug. 9. We’re encouraging people to consider starting a new tradition. It’s more about remembering their loved ones and their family.”

For more information, visit finalfreedom.com/genealogy.

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What makes Morgan Orchards special: • Newly constructed property opening in August • Flexible residency models: entry fee or monthly rental • Choose from sunrise, sunset, mountain, or meadow views • Onsite fitness and art studios, woodshop, and nature trails • Only two minutes from I-89 and within walking distance to Vermont Technical College amenities • Chef-prepared dining daily • Four-legged family members are welcome • Affiliated with Gifford Health Care

Opening in August! Call today to secure the best views in central Vermont’s newest senior living community!

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Vermont Maturity | Summer 2017 | 43

Things to Do

25th Annual South End Art Hop

B

urlington’s South End will

of Burlington. Galleries, studios and

once again fill with all

local businesses will be transformed

forms of art as the annual

into the largest art festival in Vermont,

South End Art Hop returns for its 25th

unveiling a web of diverse South End

year Friday, Sept. 8 - Sunday, Sept. 10.

creations. In addition, there will be

The event brings thousands of

other events such as the 12th STRUT

residents, visitors and makers together

Fashion Show, Kids Hop, pop-up

to celebrate the dynamic art and culture

performances by local artists, artists

in the South End of Burlington.

market, live music, food vendors,

More than 600 artists will be showing their artwork at over 125 sites throughout the South End Arts District

demonstrations and more.

For more information, visit seaba. com/art-hop.

Memory care and more…

A new senior living community specializing in caring for people with Alzheimer’s, dementia and memory impairment.

W

• • •

e offer individualized, 24-hour support for those who need everything from minimal assistance to those who need a high level of care.

Large, sunny shared or private • Staff experienced with memory suites care Tranquil garden courtyards and • Short-term respite stays patios • Aging in place, including end of Person-centered care life care

Now Open!

Call Carrie Shamel to schedule a visit.

802-872-1700 6 Freeman Woods, Essex Jct., VT SpringVillageEssex.com

Let Us Take the Journey With You! 44 | Summer 2017 | Vermont Maturity

Do you avoid using the phone because of hearing loss?

Free* Captioned Telephone (CapTel®) Service by Vermont Relay enables individuals with a hearing loss to read what their caller says, while they speak and listen on the telephone.

• • • • •

24-hour service is offered at no cost to users.* Spanish Captioning is available for Spanish-to-Spanish calls.

CapTel phone has a large 7” screen with easy-to-read display.

CapTel phone has a built-in answering machine with captions.

It has a volume control (up to 40dB) and is easy to adjust during a call.

To apply for a free** CapTel 840 telephone through the Vermont Telecommunications Equipment Distribution Program, contact (800) 639-1522 or visit www.vtedp.org For more information contact Michelle Vicino at michelle.vicino@sprint.com or call (860) 986-7234 (Voicemail)/(860) 899-1097 (Videophone): www.vermontrelay.com/captel * CapTel users are responsible for their own long distance charges. | ** Dependent on income level – please call to find out if you are qualified to get a free CapTel phone.

CapTel is a registered trademark of Ultratec, Inc.

Vermont Maturity | Summer 2017 | 45

Tech & Gadgets

s e k i B t B es y b a B fo r s r e Boom

By Jim Miller

I

f you’re interested in leisurely, recreational riding for fitness and fun, a great option is a “comfort bike,” which is very popular among baby boomers.

Here’s what you should know about this option, along with some tips to help you shop and choose.

COMFORT BIKES A comfort bike is a style of bicycle that’s easy on an aging body because it lets you ride in a more comfortable upright position. These bikes have high handlebars so you don’t have to hunch over, which eases lower-back strain and reduces pressure on the wrists and hands. They also

46 | Summer 2017 | Vermont Maturity

The Easy Boarding bike by Biria (Photo courtesy of Biria)

come with wide tires for a smooth ride, offer fewer gears, and have soft, wide seats to eliminate saddle soreness.

Most comfort bikes also come with shock-absorbing forks and seat posts for additional comfort. And some offer unique design features like an ultra low stepover bar that makes getting on and off easy for people with limited flexibility (like the Biria Easy Boarding at Biria.com), or the “flat-foot” design offered by many manufacturers where the pedals are moved forward, away from the seat. This allows you to get a full-leg extension when you pedal, but keeps the seat in a lower position so when you’re stopped, you can put your feet down flat on the ground while seated, which is a great safety feature for older riders.

Tech & Gadgets Most major manufacturers including Electra, Sun, Raleigh, GT, Giant, and Trek all make a line of comfort bikes that costs between $300 and $800 or more depending on its features.

RECUMBENT BIKES If the comfort bikes don’t meet your needs, another popular style among older riders is a recumbent bike.

These are the low-to-the-ground, stretched-out frame bikes with La-Z-Boy style seats that allow you to recline

SHOPPING TIPS To find a quality comfort bike, your best option is to find a good bike shop in your area. Bikes from big box stores, like Walmart and Target, are mass-market bikes that may be less expensive, but the quality isn’t as good and they’re typically seven to eight pounds heavier. They also come in only one size, so you’re not likely to get a great fit.

Before you buy any bike, be sure you take it for a test ride first to ensure that the seat and fit of the bike is comfortable, the brakes and shifters are easy to use, the gears can go low enough for climbing hills, and the frame and suspension adequately smooth the bumps.

Who Do Seniors Turn to for Answers?

Us!

with your legs positioned in front of you.

Recumbent bikes are very comfy, easy on the back, arms and shoulders, and aerodynamic, which make them ideal for long rides. The disadvantages, because they are low-to-the-ground, they can be harder to balance and maneuver, and are more difficult for other vehicles to see.

If you worry about falling or want more stability when you ride consider a three-wheel recumbent trike. See SunSeeker.bike and TerraTrike.com for a nice variety, but be aware that recumbent bikes are more expensive, typically ranging between $1,000 and $2,500.

Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

Journey back to a time when half the fun was getting there.

Our agency’s Senior HelpLine provides information on a wide range of programs and services available to seniors in Rutland and Bennington Counties, including: ❖ Volunteer Opportunities & Services Aging & Disabilities Resource ❖ Home-Delivered Meals (Meals on Connections/ Options Counseling Wheels) & Community Meal Sites ❖ Caregiver Supports Including ❖ Medicare/Medicare D & Respite Health Insurance Assistance ❖ Mental Health Services ❖ Transportation & Housing ❖ Assistance with State Benefit Programs ❖ Money Management Services

❖ Case Management

Call the Senior HelpLine today!

1-800-642-5119 Please visit our website for more information: www.svcoa.org

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We can help with: • • • •

Dementia Care 24/7 Live-In Care Alzheimer’s Care Personal Care

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Homemaking Companionship Respite Care Assistance with Hospice Care

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Nursing Supervision Transportation Incontinence Care Medication Management

Visit tlcnursing.com for more information or call 802-735-1123 There’s no place like home for care!