Connecting BOOMERS and SENIORS to the Best Local Information
Fall Road Trips
Health: We're All Heart
Calendar of Events Galore
Special Section: Memory Care
CALL NOW TO RESERVE YOUR SPACE
8 4 5 - 8 7 8 - 4 111
838 Fair Street | Carmel, NY 10512
www.cloverlakeliving.com NYS MEDICAID ACCEPTED westchesterseniorvoice.com
FALLS ARE PREVENTABLE Phelps Hospital, part of Northwell Health, wants you to know that falls do not have to be part of the aging process. Older adults fall for many reasons that are preventable. Let Phelpsâ€™ Fall Prevention Program help you reduce your risk of falling. Fall Prevention Program Services The Balance Center offers comprehensive diagnostic testing and individualized rehabilitation for people who are experiencing dizziness or balance problems. A Matter of Balance is an eight-week, scientifically-based program that emphasizes strategies to improve balance and help older adults remain active. Tai Chi Classes are a graceful form of exercise that improves balance and movement through gentle, flowing movements performed in a slow, focused manner. National Fall Prevention Awareness Day celebration, on September 22, provides seniors with the knowledge and skills needed to improve their strength and balance. Phelpsâ€™ Fall Prevention Program 701 North Broadway, Sleepy Hollow, NY 10591
or email@example.com. www.phelpshospital.org
from the publisher
There's a commercial that's been running on TV for a while now for a large financial institution - you may have seen it. The financial advisor asks a young(ish) woman at what age she wants to retire. The woman responds, "Around 70, I guess." That simple answer represents a real shift in how we perceive aging and retirement from just a few years ago, when the expected response would have been 65 or 66. Similarly, a supplement titled The Economics of Longevity in the July 8th issue of The Economist magazine also talks about a change in retirement expectations. They refer to an all new life stage between full time employment and older age. This one may be characterized as a time of semi-retirement, full retirement, or even full time work: a time when ages 55+ are starting businesses at record rates, based on the recognition that they've become less employable and either want or need to continue to work. According to the Kauffmann Foundation, the percent of new entrepreneurs ages 55-64 was less than 15% in 1996 (compared to 27% for ages 35-44), whereas in 2015, this same group represents close to 25% (compared to 25% for 35-44 year olds). Most corporations and government have yet to come to terms with this new life stage, not recognizing that older employees bring very real value to the workforce. The good news is that some are starting to see the light. As reported in The Economist, Deutsche Bank, for instance, uses multigenerational teams: the younger employees work more quickly but the older employees make fewer mistakes. In this issue, we remain devoted to keeping you abreast of the information and resources you need to lead active and healthy lives. So if you're working or volunteering part-time, or fully retired, consider staying intellectually-challenged with one of the lifelong learning programs we list on page 11 - they're good for your health! You may even find your way to a second or third career with a certificate program. Check out our Unretirement column for road trip suggestions (page 8): be it a winery, book village, apple festival, museum or a tour of covered bridges. And please take careful note of our Medicare updates on pages 15-16 so you aren't victimized by scammers. For more on your well-being, we direct you to our heart health content, with our coverage of statin therapy for cholesterol and cardiac rehabilitation: to help you live your best life. We also address Alzheimer's and dementia in this issue. It affects 1 in 9 Americans over the age of 65. But instead of focusing on the general information you can find online or in other media, we bring you the programs and resources (pages 24-32) that can help you or a family member right here in Westchester. (Some of the support groups are shown separately on page 37.) There are many quality organizations committed to helping families cope with a dementia diagnosis so you do not need to go it alone. Among them are My Second Home's intergenerational day program and Bethel's Memory Boosters. Moreover, Burke Rehabilitation Hospital is currently conducting a clinical trial for those with mild cognitive impairment. The Hudson Valley Chapter of the Alzheimer's Association offers an extensive year-round roster of support groups but now needs your support! Their annual Walk to End Alzheimer's is on September 24. Please participate or donate - go to WestchesterWalk.com.
Susan E. Ross firstname.lastname@example.org 914.380.2990
Susie Aybar Glenn Boyar, MD Michael Giannasca and Brian Miller Sheri Hametz Morris Gut Nancy Gould Ali Jackson-Jolley and Maryanne D’Amato Lisa Keys Alice Tseng Paul Tramontozzi
Clockwise top left: Tasting Barn at Croteaux Vineyards, Burke Rehabilitation Hospital, Alton Brown, My Second Home
COPY EDITOR Barbara Tartell
To the professionals, businesses, services, medical practices and others who are receiving single or multiple copies of this magazine: This magazine has been provided free and we encourage our readers to take the copy home with them so they can refer to it for future use. If you would like to receive additional free copies for your clients, patrons, or patients, please let us know. To our readers: We are able to publish and distribute this magazine through the support of our advertisers. Please let them know you reached out to them because of Westchester Senior Voice. Opinions expressed in articles appearing in this magazine do not necessarily reflect the views of the publisher. Publisher is not responsible for errors in advertising or claims made by advertisers. We do not knowingly accept any advertising that violates any law. Opinions, articles and advertising appearing in this magazine should not be construed as endorsement by the Publisher of any product, service, or person. Volume 2.4 Fall 2017 Copyright © Voice Media LLC. All rights reserved. Reproduction in whole or in part without written permission is prohibited. Westchester Senior Voice Print ISSN 2469-5203 Online ISSN 2469-5211 Publishing Quarterly plus an Annual Guide Find us for free in close to 1,000 locations throughout Westchester or online at: www.WestchesterSeniorVoice.com
We welcome your feedback, inquiries, and submissions via email or USPS. We reserve the right to publish all letters to the editor and/or publisher without approval of the sender. VOICE MEDIA LLC WESTCHESTER SENIOR VOICE PO BOX 301 WHITE PLAINS, NY 10605
As always, wishing us all love and peace,
Susan E. Ross Publisher and Certified Senior Advisor® email@example.com westchesterseniorvoice.com
Somers Manor Rehabilitation & Nursing Center Earns 2017 Silver National Quality Award Somers Manor Rehabilitation & Nursing Center has been recognized as a 2017 Silver – Achievement in Quality Award recipient by the American Health Care Association and National Center for Assisted Living (AHCA/NCAL). The award is the second of three distinctions possible through the AHCA/NCAL National Quality Award Program, which was established in 1996 and spotlights providers across the nation that have demonstrated their commitment to improving quality of care for residents and patients in long term and post-acute care centers and communities. “We are honored to be recognized for what we’ve accomplished on our journey to improve the quality of care,” said Christine M. Maher, Administrator of Somers Manor. “The rigors of the application process for the Silver award has helped Somers Manor achieve better outcomes as an organization.” Based on the core values and criteria of the Baldrige Performance Excellence Program, which is also the foundation of the metric-based AHCA/NCAL Quality Initiative, AHCA/NCAL’s National Quality Award Program challenges member providers to achieve performance excellence through three progressive levels—Bronze, Silver, and Gold. At the Silver level, members develop and demonstrate effective approaches that help improve performance and health care outcomes. “I am honored to recognize this year’s Silver award recipients for their dedication to delivering quality
care,” said Alana Wolfe, Chair of the AHCA/NCAL National Quality Award Board of Overseers. “I applaud Somers Manor Rehabilitation & Nursing Center’s ability to effectively apply the Baldrige criteria to improve quality performance.” As a recipient of this year’s Silver award, Somers Manor can now advance in developing approaches that meet the criteria required for the Gold – Excellence in Quality Award. The awards will be presented to honorees during AHCA/ NCAL’s 68th Annual Convention & Expo in Las Vegas, Nevada, October 15-18, 2017. More information on the program can be found on the Quality Award website: www.ahcancal.org About Somers Manor Rehabilitation & Nursing Center Somers Manor Rehabilitation and Nursing Center is nestled on more than 100 acres in Northern Westchester County, New York. The Rehabilitation Care is rendered with great clinical acumen and advanced technology. The warm and home-like atmosphere contributes to the quality of life of the Long Term Care Community. Somers Manor Raises the Spirit of Care! For more information, please visit www.somersmanor.com. About AHCA/NCAL The American Health Care Association and National Center for Assisted Living (AHCA/NCAL) represent more than 13,000 non-profit and proprietary skilled nursing centers, assisted living communities, sub-acute centers and homes for individuals with intellectual and developmental disabilities. For more information, please visit www.ahca.org or www.ncal.org.
Rehabilitation & Post-Acute Care • Alzheimer’s & Dementia Care • Long Term Care
Visitors are welcome to tour Somers Manor 7 days a week. Please call the admissions office at 914-373-6454.
www.SomersManor.com 189 Route 100 • Somers, NY 10589
contents Fall 2017
our advertisers 17 agewell new york 22 alice tseng, reverse mortgage professional 25 alzheimer's association, hudson valley 39 bethel homes and services 21 brightview tarrytown 17 burke rehabilitation hospital 19 burke rehabilitation hospital 19 caremount medical 11 concept care 14 crickett care 12 dorot westchester 16 elder care connection 22 fieldhome 13 firstlight homecare 7 giannasca & shook, pllc 11 the knolls 9 liric-learning in retirement at iona college 14 medicaid solutions 26 memory care sponsors 10 my second home 12 nancy gould, long-term care insurance 31 paul tramontozzi, certified financial planner 3 phelps hospital-northwell health 2 the plaza at clover lake 15 premier residences of yonkers 16 rideconnect 7 riverspring health-hebrew home 13 seniors helping seniors 5 somers manor rehabilitation & nursing center 9 susan parker, esq. 29 united hebrew 39 vna of hudson valley 33 wartburg 40 waveny lifecare network
The Catskills, Bucks County, The Berkshires, Long Island's North Fork... Westchesterites benefit from proximity to a variety of road trip destinations. Read on and explore!
SPECIAL: MEMORY CARE
FALL ROAD TRIPS
Caremount Medical's Dr. Glenn Boyar educates us on high cholesterol. Another not-to-be-missed article on the importance of cardiac rehabilitation (page 20) completes this issue's heart health coverage.
Alzheimer's and other dementias are devastating diagnoses. But you don't have to go it alone. This Memory Care section provides resources and programs to support Westchester families.
departments 15 medicare news 18 health & wellness: high cholesterol 20 wellness advocate: cardiac rehab 34 entertainment and community calendar 38 in the kitchen: japan-ease chicken columns 11 lifelong learning 12 the seasoned palate 14 insurance: hybrid policies 22 home equity advisor: reverse mortgages 23 estate organizer 30 money matters: 5 things 32 legal matters: dementia Westchester Senior Voice connects boomers and seniors with the local professionals and businesses that serve them. Within our pages, we inspire, educate and exchange information in an embracing, respectful and Inclusive way.
Elder Law and Estate Planning Group Planning For Our Clients and Their Families
Elder Law Wills & Probate Trusts & Estates Medicaid Planning Long Term care Guardianships Powers of Attorneys Health Care Proxies
Giannasca & Shook, PLLC One Barker Avenue | White Plains, New York 10601 | 914-872-6000 | www.mgns-elderlaw.com
Our family of care solutions helps over 12,000 adults live a full life. Today, the Hebrew Home at Riverdale has grown from an award-winning nursing home into RiverSpring Health, a new brand offering a full range of care solutions. Finding the Right Care Access to Care Care Management
Senior Housing RiverWalk Assisted Living Hudson House
Living at Home Health Plans Short and Long Term Care Certified Home Health Agency Rehabilitation Licensed Home Care Services Agency Hebrew Home at Riverdale Social Day Care Special Programs Night Care Weinberg Center for Elder Abuse Prevention
Learn more about how we can help you live forward at 800.56.SENIOR or by visiting riverspringhealth.org. fall 2017
next stop: unretirement n n
The Road (Trip) By Ali Jackson-Jolley and Maryanne D’Amato
How fortunate we are to live in the Northeast, where each fall we’re treated to Mother Nature’s color explosion. No matter which direction you head, there are endless opportunities to soak in the multicolored landscape and the sounds of crunching leaves. But instead of simply driving to your favorite scenic overlook this fall, why not gas up the car, grab some snacks, and hit the open road for one of these unique seasonal excursions... HOBART BOOK VILLAGE (THE CATSKILLS)
Nestled in the foothills of the Catskill Mountains sits Hobart Book Village, where you’ll find stunning views of mountains and valleys, and interesting little shops filled with curiosities. But it’s Hobart’s literary character that makes this town so special. Modeled after popular European book villages, this upstate New York town is home to six used bookshops on Main Street, with more than 20 other booksellers in the surrounding area.
The Winasaur at Coffee Pot Cellars in Cutchogue westchesterseniorvoice.com
Two of our favorites are Adams Antiquarian Book Shop (specializing in books from the 17th and 18th centuries) and Liberty Rock Books (Hobart’s largest bookstore, with an inventory of 85,000, and books priced from $1 to several thousand). www. hobartbookvillage.com The Best Part: Once you’ve exhausted Hobart’s literary shelves, you can hike the converted Rail Trail (accessible directly behind Hobart’s Main Street) for some of the best views the Catskills can offer.
can amble around the cobblestone roads within a 42-acre shopping and restaurant district, and even time your visit to attend one of their many festivals and events including: October Feast (October 14-15) and their Apple Festival (November 4-5).
WINERIES AND VINEYARDS (LONG ISLAND’S NORTH FORK)
While Long Island’s South Fork (home to the Hamptons and Montauk) might get all
House calls from a lawyer? We take pride in providing excellent legal service—anywhere. Our specialties include elder law, Medicaid planning, estate planning, probate, and business matters. For more information, contact us today for an affordable consultation.
Susan Parker Esq. PC (914) 923-1600 firstname.lastname@example.org 520 N. State Road – Suite 301A Briarcliff Manor, NY 10510 www.susanparkerlaw.com
The South Perkasie covered bridge
COUNTRYSIDE TOUR (BUCKS COUNTY)
Grab a map (or GPS), and take a self-guided tour of the Bucks County covered bridges in the picturesque Pennsylvania countryside. Log on to www.visitbuckscounty.com where you will find complete turn-by-turn directions. You’ll have unparalleled autumn photo opportunities while crossing the charming and historic bridges sprinkled throughout the back roads of the area. If you’d rather let someone else do the steering, jump aboard the New Hope and Ivyland Railroad, where you can take an excursion on an old-fashioned passenger steam train throughout the visually exquisite countryside. www.newhoperailroad.com The Best Part: Once you've gotten your fill of bridges and trains, head to Peddler’s Village, where you
the summer hype, autumn is the ideal time to visit the North Fork: home to 11 beautiful agricultural towns running along Route 25, comprised of farms, vineyards and 30 wineries! Enjoy the changing colors while sipping on some award-winning vino in New York’s wine country. Since the 1970s, this area of Long Island has been producing wine… and fall is harvest time! Visitors can witness the sorting, picking and crushing of this year’s vintage. While the entire area retains a casual, laid-back vibe, each of the wineries offers its own unique experience for visitors. Our particular favorites are Kontokosta Winery (Greenport) with its stunning views; the small family-owned Coffee Pot Cellars (Cutchogue), home of the Winasaur—a giant dinosaur made out of wine corks; and the French-inspired Croteaux fall 2017
Learning in Retirement at Iona College Celebrating 25 years of courses and social activities for people of retirement age
Come to LIRIC’s OPEN HOUSE to learn about our Fall Programs Sunday, Sept 10 at 2pm Spellman Hall/ Iona College New Rochelle, NY
For information or to request a catalog:
914-633-2675 | email@example.com www.iona.edu/liric
LIRIC is a not-for-profit organization sponsored by Iona College and affiliated with Road Scholar LLI Resources Network
Vineyards (Southold), which produces only rosé wines. For a complete list of wineries, including information on tours and weekend events, check out www. liwines.com The Best Part: You’ll love looking out from the bluff at Kontokosta Winery in Greenport, where you can catch the spectacular panoramic view of the water and the Long Island and Connecticut foliage.
I n d e P e n d e n c e | d I g n I t y | c h o I c e | Since 1998
An Intergenerational Adult Day Program providing dementia care
Why be home alone?
Come spend the day with us — exercise your brain and warm your heart.
Mount Kisco • 914-241-0770 White Plains • 914-422-8100 www.fsw.org/msh
Thomas Schütte: Crystal at The Clark in Williamstown
My Second Home is a program of Family Services of Westchester and receives funding from Westchester County Department of Senior Programs & Services
MUSIc & MeMoRySM Certified Care Facility Partner • Dementia Care 2016 Adult day Services Innovator Award from national Adult day Services Association (nAdSA)
Caring for You & Those You Love, in Home & Hospital Settings
This lovely area of Western Massachusetts, bordering New York and Connecticut, is awash in autumnal splendor, making for a great weekend destination. (Its close proximity also makes it a nice little day trip.) The Berkshires draw you in with its cluster of artsy towns, filled with funky little shops, B&B’s and eateries — but don’t overlook the fact that the area also houses some of the finest museums. Whether your passion is history, science or art, there is a museum for every taste. Be sure to check out The Rockwell Museum (Stockbridge), The Clark Institute (Williamstown), Mass MoCA (North Adams), and Hancock Shaker Village (Pittsfield). The Best Part: After you hopscotch from town to town, settle in at the Red Lion Inn on Main Street in Stockbridge; enjoy a beverage on the massive front porch as you relax in a rocking chair and recap your exhilarating New England adventure. In every direction you turn, there are fun and interesting ways to spend crisp fall days while enjoying the magnificent views!
...bringing health care home
www.conceptcareny.com | 50 Main Street, White Plains NY 10606
MUSEUM TOUR (THE BERKSHIRES)
*Driving time to each of these destinations is roughly 2 to 2 ½ hours from White Plains, NY
Back to SCHOOL!
Henry Ford once said, “Anyone who stops learning is old, whether at 20 or 80. Anyone who keeps learning stays young.” We agree with Henry. Here are some organizations and educational institutions that can help kick-start your exploration of something you either know nothing about or have always wanted to pursue.
Mainstream, The Institute for Mature Adults Ready to embark on a new career for the next stage in life? Mainstream, a part of the Westchester Community College system, offers adults ages 50 and over courses to support career change options. Under the Senior Audit program, ages 60 plus may enroll in courses on a space-available basis. For information, call 914.606.6793 or email mainstream@ sunywcc.edu.
Learning in Retirement at Iona College A mostly volunteer organization, LIRIC is all about "stretching your mind intellectuSUNY Purchase ally and meeting new people." They are Senior Citizen Auditors Program now celebrating 25 years of courses and Purchase College offers noncredit lifelong activities, offering a mix of topics. They learning through their personal enrichment meet at the Greek Orthodox Church in courses and professional certificates. Pursue New Rochelle as well as at Iona College. your passion by working towards a certificate To learn more about LIRIC, attend their in Home Staging, Appraisals, or Interior DeSunday, September 10 open house from sign. Take courses in art history, voiceover, 2-4pm, at Spellman Hall/Iona College in or drawing. For more information about New Rochelle. You can also visit www. continuing education, call 914.251.6500 or iona.edu/LIRIC, call 914.633.2675, or BTHL-034 AD Horz-CRA.qxp_Layout 1 1/4/17 3:35email PM Page 1 firstname.lastname@example.org email SPage@Iona.edu.
University Without Walls The beauty of Dorot's UWW is that classes are offered online or through teleconferencing, so just because you may have mobility or transportation issues doesn't mean you have to miss out on learning. Founded 25 years ago, the range of classes is a "great way to stay connected," and runs the gamut from arts and history to current events and health concerns. Programs are free or low cost. You can find more information by visiting www. dorotusa.org or calling 877.819.9147. WCC's Collegium for Lifelong Learning Combining serious study with social exchange, Collegium - at the WCC Valhalla campus - was created in 2004. Courses are taught by professors, retired educators, or professionals with expertise in the subject area. For more information, call 914.606.6748, email collegium@sunywcc. edu, or google Collegium for Lifelong Learning at WCC and click through on the link.
The perfect atmosphere, size and location
erfectly plentiful senior living is yours at The Knolls… Welcom to The Knolls, a senior Welcome living community set amidst the striking natural beauty of Westchester County, where you’ll:
A Appreciate the sponsorship of Bethel, a not-for-profit organization serving Westchester County seniors for more than 100 years
Remain close to family and friends, and close to everything you know and love about New York
Find the right mix of amenities, services, programs, dining options and residence choices
Enjoy life in a large, thoughtfully designed apartment, at a great value
Live where residents and staff members know one another by name
Love the assurance of a full continuum of healthcare services, available on campus
Call 914-721-0855 today to request a FREE Information Kit or to schedule a personal appointment and tour.
55 Grasslands Road Valhalla, NY 10595 914-721-0855 • TheKnolls.org WSV
the seasoned palate n
Ask Yourself this Question...
What if I no longer can care for myself tomorrow?
Brings artisanal baking and craft foods to Tuckahoe. By Morris Gut
Five Things You Should Know Before Considering Long-Term Care Insurance
Get your Free Guide to Long-Term Care : “Dignity For Life”
Contact Nancy Gould for your FREE copy of Dignity For Life Include your name, e mail address, phone number
Nancy Gould CLU, CLTC (914) 242-3250
Nutmeg Cafe opened on Main Street in Tuckahoe late last year, offering Westchester a titillating variety of artisanal baked goods, craft foods and beverages for eat in and takeout. And ever since, a steady stream of patrons has been flocking in. Proprietor and creative force behind Nutmeg is Cindy Bothwell, who grew up in beautiful Napa Valley, California, surrounded by family-owned fruit orchards, independent farms and wineries. These idyllic surroundings, with a little help from watching Grandma in the kitchen, pro-
vided her with an appreciation of fresh farm-to-table ingredients and the early skills to produce her delicious culinary repertoire. You may recognize Cindy from her years of working at Farmers Markets around the county in Bronxville, Irvington and Chappaqua, selling her signature goods under the What’s For Dessert? brand. When requests for her cakes and pies outgrew her home kitchen, she leased commercial space in Yonkers. She moved into her renovated shop last year, and transferred all her baking and production to the
Nutmeg kitchen. Her daily menu items are all prepared fresh on the premises. The Café is warm and inviting, offering up a comfortable ambiance. There is seating for up to 25, soft background music, exposed brick walls and display cases filled to the brim with the tempting daily goods. Sample tastings are available at the counter. Bothwell describes her cooking and baking as “American home-style rustic” and insists on keeping up with the seasons. While her offerings change regularly, you can always find Cindy’s staple cakes, pies, cupcakes, muffins and cookies. Signature specialties include: chocolate, banana and coconut cream pie; classic apple pie; plum raspberry pie; chocolate bourbon pecan pie. She also uses the seasonal marketplace to prepare her delicious quiches and scones, hot and cold empanadas and chicken pot pies. Delightful beverages include such exclusive artisanal makers as Joe’s Coffee, out of Brooklyn. Cindy’s manager Mario Sama also makes his own small-batch Custom Cold Brew coffees and teas on-site. Even the syrups for specialty drinks are housemade. There are daily infused-water flavors, iced teas and fruity lemon or limeades.
From bathing to bandaids to backgammon this is home care. At FirstLight™ the care we provide goes beyond the basics of bathing, house cleaning and medication reminders. If you or your loved one want to listen to music or play a game of backgammon, we’re there. We care for seniors, people with disabilities, and those recovering from illness, injury or surgery. Call us to learn the many ways we can help you or someone you love.
Schedule a complimentary consultation today.
914-215-1915 westchester.FirstLightHomeCare.com 344 E. Main Street, #LL004 | Mount Kisco, NY 10549
NY State Licensed Homecare Services Agency
Freshly made soups and salads have been added to Nutmeg’s menu and are listed daily on the blackboard. A recent posting included: delectable cheddar scallion scones; caramelized onion and Gruyere crostada; and cauliflower, leek and Asiago quiche. Cindy maintains, “All items are house-made with only fresh natural ingredients.” Nutmeg also offers a growing inventory of glutenfree and vegan products. Nutmeg Café (and What’s For Dessert?) is located at 64 Main Street, Tuckahoe, N.Y., across from Tuckahoe City Hall. Hours: Monday thru Friday, 7am to 7pm; Saturdays, 9am to 5pm; Sundays, 9am to 3pm. Eat in or takeout. Advanced reservations for larger groups suggested. Outside catering. Major credit cards. Municipal parking. 914779-1328; www.thenutmegcafe.com n
Companion care at home like no one else can ... Only Seniors Helping Seniors® matches your needs, interests, and schedule with skilled, compassionate care providers – all over 55 years old – who understand firsthand the changes that come with aging. Let us help you maintain a sense of well-being and connection to the life you love.
Morris Gut is a restaurant marketing consultant and former restaurant trade magazine editor. He has been tracking and writing about the food and dining scene in greater Westchester for 30 years. He may be reached at 914-235-6591 or gutreactions@ optonline.net
Unique, at-home care including: 4 Companionship in your home. 4 Flexible help: a few hours a week or full days 4 Assistance with day-to-day needs: light
housekeeping, meal preparation, medication reminders 4 Daily errands: groceries, pharmacy, post office 4 Transportation: medical appointments, recreational outings, social visits
Serving Westchester& Putnam Counties, New York
Need help paying for home care? Know your options • Protect your assets and income
• Medicaid eligibility planning • Maximize benefits and services • Medicaid application filing • Pooled Income Trusts filing Call to see if you qualify for Financial assistance to help reduce the cost of long term care Colin Sandler,
SOLUTIONS Advice for Aging
lcsw, ccm Senior Care Counselor and Medicaid Specialist
2127 Crompond Road, Suite 100 Cortlandt Manor, NY 10567
WHO WILL CARE FOR YOUR LOVED ONES WHEN YOU CANNOT?
By Nancy Gould
Amy and Jeff W. reached out to me just days after Jeff’s father had passed away, Along with other family members, they had cared for Jeff’s father for three years. Their experience convinced them they needed a plan that would protect their family from having to care for them. They didn't know where to begin. Our first meeting was all about discovering what was really important to them. Self-insuring seemed like a viable option to them. Of course, that's what Jeff’s father had done. But he'd had very limited resources - and those were depleted within six months. Amy and Jeff have already built up substantial amounts in their 401ks. They expect these assets to continue to grow over the next 30 years when they will each be 84 years old - with a high probability of needing some personal care. They told me that a $200,000 CD in their portfolio would mature within the month and they were disappointed in the renewal rate of 1.62%.
A licensed home care services agency.
Assistance with activities of daily living.
Accompany clients on errands, appointments, outings.
We can help at home (private residence, assisted living facility, independent living facility), hospital or nursing home.
Private pay only, but we can also work with your Long Term Care Insurance provider.
www.crickettcare.info • email@example.com
I suggested they look at a hybrid long-term care policy, such as the Lincoln MoneyGuard Reserve. A hybrid plan links life insurance to protection for long-term care expenses with the same premium dollars. In other words, they could use either the long-term care benefits or - if care is not needed - the death benefit. If they each used $100,000 of the CD to create two hybrid
plans, they could each have a plan that provides $600,000 in protection against the cost of long-term care needs or $180,000 of death benefit if they never use the long-term care account. The policy provides income tax free reimbursements for qualified long-term care expenses. Or, if the insured uses the life insurance, the policy pays tax-free benefits to the beneficiaries. Plus, the $100,000 buy-in can be spread over 3, 5, 7 or 10 years. And the premiums will not increase. The policy grows by a guaranteed 4% interest rate and the long-term care account inflates by 3% annually. Jeff and Amy can also elect to have their premiums returned via an optional return of premium rider that provides a money back guarantee. The initial premium payment minus any loans, withdrawals or benefits paid can be returned to them. By implementing a hybrid plan, Amy and Jeff can draw on the tax-free policy benefits while preserving their 401k assets. n
Nancy Gould, CLU is a certified long term care specialist. She assists her clients in finding ways to pay for their long term health care needs. She is licensed in NY, CT, NJ, GA, NC, TN, AL. Contact Nancy nancy.gould@ acsiapartners.com or at 914 242 3250; www.nancygouldltc.com
4 Things Scammers
Hope You Don't Know
ABOUT YOUR NEW MEDICARE CARD Many people have heard the great news about the new Medicare cards... we had a party when we first found out! However, there still seems to be a lot of confusion about the details. And if there’s one thing scammers like to take advantage of, it’s confusion. We want to clear some things up for you so those pesky scammers can’t turn this good news into bad news.
it’s their own SSN; for others, it could be that of a spouse or relative. Regardless, a SSN in the wrong hands is a recipe for disaster. Scammers are still pulling the oldest trick in the book: calling beneficiaries, threatening their benefits or soliciting fake offers, and convincing them to cough up their Medicare numbers. Be very careful who you share that information with!
Here are four things that scammers hope you don’t know:
#2 The new cards - without your SSN - won’t start rolling out until April 2018
#1 Your current Medicare number is your SSN
Believe it or not, there are still some folks who aren’t aware that the number on their Medicare card is a Social Security Number with a letter added to the end. For some,
Scammers know that change makes everyone a little anxious – regardless of how great the news may be. Make sure you don’t fall for a scammer offering to send your new card early. Remember that CMS (Centers for Medicare and Medicaid Ser-
By Jenna Gladfelter
vices) won’t begin mailing out new cards until April of 2018, and they have until April of 2019 to complete this enormous, yet necessary, project!
#3 You don’t have to do ANYTHING to receive or activate your new card
Some folks have received calls from people claiming to be Medicare representatives, asking them to confirm all of their personal information (e.g. full name, Medicare number, address) so they can ensure everything is correct in their database. Others have received calls informing them they need to pay a fee in order to receive the new card. Please don’t fall for it! The bottom line is that you do not need to do ANYTHING to (continued on next page)
OUR VIEWS ON SENIOR LIVING
t Premier Residences of Yonkers, we’re proud A to introduce residents to greater freedom and flexibility with MyChoice Dining. Whether it’s a
sumptuous sit down meal in the freshly renovated Riverdale dining room – or a quick bite at the Hudson View Café, the choice is all yours. You’ll also enjoy social and recreational activities, beautiful gardens and walkways, a wellness and fitness center and spacious rental apartments. Savor all of your options and schedule a tour today!
Phone us today at (914) 423-2200 ASK FOR THE SALES DEPARTMENT
537 Riverdale Avenue | Yonkers, NY 10705 www.fivestarpremier-yonkers.com Move in NOW and the 2nd person STAYS FREE for the life of the Lease!*
*Second person fee waived. Independent Living only for all offers. Available for a limited time.
A FIVE STAR INDEPENDENT, ASSISTED LIVING AND MEMORY CARE COMMUNIT Y fall 2017
initiate the process of receiving your new Medicare card. CMS will mail beneficiaries their new cards automatically. No need to confirm anything, no need to empty your wallet.
#4 Your benefits will stay the same
Many people have asked whether or not their benefits will change with the new card. Rest assured your coverage will not change with the new Medicare number. You can start using your new card as soon as you receive it in the mail.
RideConnect provides free volunteer transportation to older adults age 60+ in Westchester County.
Jenna Gladfelter is director of NY Senior Medicare Patrol, a program designed to educate Medicare beneficiaries, their families, and caregivers about how to prevent, detect, and report healthcare fraud. If you believe you've been a victim of a health care fraud or scam, call the NY SMP hotline at 877-678-4697. For more info, visit www.liveon-ny.org/seniormedicare-patrol
Making a Difference... One Ride at a Time!
These rides enable clients to remain active and continue to lead fulfilling lives. Please consider giving the gift of mobility and independence! For more information on volunteering or to request a ride, contact us at (914) 242-7433. www.RideConnectWestchester.org
Overwhelmed Caring for Your Loved One? Call us today!
Elder Care Connection
When Experience Counts, Count on Experience
Owned and operated by registered nurses who use a holistic approach to their services. Services include: • Dementia Care • Senior Housing Placement Services • Home and Companion Care • Home Management Customized programs to fit your needs
Please call for a free consult today: 914-669-5200 or 203-703-9100 Visit ElderlyManagement.com for more information.
It's Medicare Enrollment Time! Not everyone has to remember to enroll in Medicare. If you are already collecting Social Security, you’ll get Medicare Parts A and B automatically. In some cases, you might not have to enroll in Part B. For example, if you’re covered by an employer plan, you may wish to decline it until you retire. Always check with your human resources department to find out if they need you to enroll in Part B; if it's not necessary while you’re still employed, send the Medicare card back to the Social Security office and they’ll issue a new one indicating you’re enrolled only in Part A. You won’t be billed for Part B premiums until you let them know your status has changed. These items need some action on your part: Initial Enrollment Period For those turning 65, there is a seven-month window around your 65th birthday - in the months before and after - in which you can sign up for Medicare. Part A is free as long as you have contributed into the system. Part B involves premiums but is not always necessary. If you have coverage that doesn’t require you to have Part B, you can sign up for it later. Again, take advice on this from HR or your union before you opt out of Part B.
Open Enrollment From October 15 to December 7 each year, you can change health plans: move from Original Medicare to a Medicare Advantage Plan (MAP), move from a MAP back to Original Medicare, or change from one MAP to another. If you go back to Original Medicare, you may want to pick up (or change) a Part D prescription drug plan and enroll in supplemental coverage (Medigap). General Enrollment Period If you do not sign up for Medicare during your Initial Enrollment Period (the seven months around your 65th birthday), you may also enroll between January 1 and March 31. Coverage will begin July 1, so you will be uninsured until then. Special Enrollment Period There are several circumstances, such as when you permanently change your home address or if you choose to change employer/ union coverage, under which you can enroll in Medicare during Special Enrollment Periods (SEPs). For a complete list of the 18 Special Enrollment Periods (SEPs), go to www.medicareinteractive. org/pdf/SEP-Chart.pdf n n n
Thanks to: Seniors Speaking Out (WSOS), a project of the Westchester Library System. sbic@wlsmail. org or www.westchesterlibraries.org/ westchester-seniors-out-speaking
Are you or a loved one turning 65?
Attend a seminar and start learning about Medicare Health Plan options
If you or someone you know is turning 65, there are many options from Original Medicare to a Medicare Advantage Plan which offers benefits above and beyond Original Medicare.
For more information on seminar dates and times in a diner in your community, please call: 718.484.5000 (ext. 5251) or firstname.lastname@example.org
Join us for formal presentations with our licensed Senior Benefits Advisors to discuss enrollment options in AgeWell New York’s Medicare Advantage Plans. Learn about covered benefits including doctor visits, dental, hearing & vision, transportation, fitness program, prescription drugs and more. Attend one of our many seminars at participating diners in Nassau, Suffolk, Queens, Bronx, Brooklyn or Westchester.
We’re here for your call. Toll Free 1.866.586.8044 TTY/TDD 1.800.662.1220 agewellnewyork.com email@example.com
AgeWell New York, LLC is a HMO plan with a Medicare contract and a Coordination of Benefits Agreement with New York State Department of Health. Enrollment in AgeWell New York, LLC depends on contract renewal. A sales person will be present with information and applications. For accommodation of persons with special needs at sales meetings call 866-586-8044 and TTY/TDD 800-662-1220. Visit us at www.agewellnewyork.com AgeWell New York complies with applicable Federal civil rights laws and does not discriminate on the basis of races, color, national origin, age, disability, or sex. AgeWell New York cumple con las leyes federales de derechos civiles aplicables y no discrimina por motivos de raza, color, nacionali-dad, edad, discapacidad o sexo. AgeWell New York 遵守適用的聯邦民權法律規定，不因種族、膚色、民血統、年齡、殘障或性別而歧視任何人 。ATTENTION: If you do not speak English, language assistance services, free of charge, are available to you. Call 1-866-586-8044 (TTY: 1-800-662-1220). ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1- 866-586-8044 (TTY: 1-800-662-1220). 注意：如果您使用繁體中文，您可以免費獲 得語言援助服務。請致電 1-866-586-8044 (TTY 1-800-662-1220) H4922_MHPO_4002 Accepted 01142017
Official sponsor of your personalized cardiac rehabilitation for maximum recovery and
not missing our annual fishing trip. At Burke Rehabilitation Hospital, we’ve spent a century preparing for some very special moments. Our expert teams of medical and rehabilitation specialists are all dedicated to one thing: getting you back to the life you love. The latest technology and personalized care plans help ensure your maximum recovery, so you can create memories that last a lifetime. INPATIENT AND OUTPATIENT SERVICES 888-99-BURKE | WWW.BURKE.ORG 785 MAMARONECK AVENUE WHITE PLAINS, NY 10605
health and wellness n
TRULY MEAN FOR YOUR HEALTH? By Glenn Boyar, MD, FACC, FASE, FASNC
velyn is 72 years old and has been healthy most of her life. She watches her diet and exercises regularly. Her father, who smoked and was overweight, died from a heart attack in his late 50s. Evelyn has shown no evidence of cardiovascular problems nor any risk of stroke, although she continues to be treated for mild to moderate hypertension, which she developed before retiring from a high-stress job.
Because blood tests performed annually since she was 60 indicate Evelyn has high overall cholesterol, despite a healthy lifestyle, her doctor put her on medication (statin) therapy three years ago. Her overall cholesterol level has since dropped, but she does not like being on continuing medication. In fact, she has read about the possible side effects of long-term statin use. Because she feels great, energetic, she no longer takes a pill every day – just a couple of times weekly. Should Evelyn be more compliant and take her medicine as prescribed or should she be taken off drug therapy? Frankly, as care providers, we have no simple answer. But overall when taking many factors into account, the answer is yes - Evelyn should take her medicine as prescribed. Across multiple studies of numerous different statins, the general outcome has been that they lower risk of heart disease, stroke, and death related to these causes by 30 to 40%. Evelyn already has an elevated personal risk because of her family history, her age and postmenopausal state, and her personal history of hypertension. Taking statin therapy not only lowers cholesterol levels but lowers the risk associated with these other factors. This is the reason why patients with normal/
good cholesterol levels who have had previous cardiovascular events (heart attack/ stroke/need for revascularization) show clear benefit from taking statins even though they had good baseline cholesterol levels. Statins also have favorable effects that go beyond their ability to lower cholesterol levels. They have been shown to decrease inflammation and lower the risk of blood clots. They have been shown to stabilize plaques that already exist in arteries. They have been shown to have benefits in terms of reducing the risk of dementia. And on top of all of these benefits of statin therapy, it is important to point out that in clinical studies involving tens of thousands of patients, 5% of patients suffered from side effects. These side effects are most commonly myalgias – muscle aches and pains. When caused by statin therapy, it is an indication to adjust dosage or change medication. But now with a number of quality medications available, it is no longer a reason to stop statin therapy altogether. Regarding long-term side effects such as liver disease, today's statins have been shown to be so safe that routine monitoring of liver enzymes is no longer recommended. The Centers for Disease Control and Prevention (CDC) cites heart disease as the leading cause of death in women over age 65 and second leading cause of mortality among women ages 45 to 64. High blood levels of LDL and triglycerides, a form of fat, are considered risk factors, according to the CDC. In most women, cholesterol levels rise naturally after menopause because estrogen, which keeps cholesterol in check, decreases. The information on cholesterol can be westchesterseniorvoice.com
conflicting and downright confusing, but my bottom-line recommendations to all seniors with high cholesterol, but minimal other risk of heart disease or stroke, are: • WORK WITH YOUR PHYSICIAN to develop a health plan that best suits your needs, family medical history and lifestyle. • STAY INFORMED. Before going on any drug regimen, consider potential benefits and risks. • EAT HEALTHY. Reduce consumption of foods with saturated and trans fats and increase fiber in your diet. • MAINTAIN A PROPER WEIGHT. Obesity is linked to development of heart disease, diabetes, arteriosclerosis and even cancer. • STOP SMOKING. • EXERCISE. Older adults tend to be more sedentary. Make a special effort to increase your activity, even if that activity simply means regularly walking around the neighborhood. • DO NOT STOP OR CHANGE HOW YOU TAKE ANY MEDICINE on your own without first discussing it with your physician. n n n
Dr. Glenn Boyar has been practicing Cardiology with CareMount Medical since 2009. His expertise includes nuclear imaging of the heart, echocardiography, and preventative cardiology. Dr. Boyar is board certified in Internal Medicine, Cardiology, Echocardiography, and Nuclear Cardiology. He is a member of multiple medical and cardiovascular societies. He has been named a “Top Doctor in the Hudson Valley” and “Castle Connelly Top Doctor” every year since 2011. www.caremountmedical.com/boyar
CONCERNED WITH CHANGES IN MEMORY? IS IT NORMAL AGING OR SOMETHING ELSE? BURKE REHABILITATION HOSPITAL’S Memory Evaluation and Treatment Service provides comprehensive assessment and treatment of memory disorders. An evaluation can determine if memory issues are normal aging or the first signs of dementia. If you have already been diagnosed with Mild Cognitive Impairment or mild dementia, BURKE is currently conducting a clinical trial to evaluate whether increasing brain glucose can slow cognitive decline. For more information regarding the Memory Evaluation and Treatment Service or this clinical trial, call 914-597-2476
STUDY PARTICIPANTS RECEIVE: • Neurological Exam • Memory and Cognitive Testing • Blood Work • Neuro-lmaging
Pioneering Rehabilitation™ 785 MAMARONECK AVE. WHITE PLAINS, NY 10605 888-99-BURKE BURKE.ORG
wellness advocate n
AN OVERLOOKED PATH TO BETTER HEALTH By Susie Aybar
hen Elizabeth, a 76-year-old woman who had heart valve surgery, began her outpatient cardiac rehabilitation program, she used a walker. Halfway through the 12-week program, Elizabeth started using a cane. By the end, she was walking on a treadmill without assistance. Her mood was positive and she was doing her hair and makeup again. After only three months, Elizabeth had greatly improved her quality of life.
If a person suffers from a cardiac event or has heart issues, cardiac rehabilitation (CR) helps them recover physically and emotionally, reducing their risk of more heart problems. Murray Low, EdD, the program director of Cardiac Rehabilitation at Burke Rehabilitation Hospital and Stamford Hospital, suggests that cardiac rehabilitation is â€œthe most beneficial thing that someone can do following a diagnosis of coronary artery disease. There are dozens of studies that show mortality can be reduced by anywhere from 30 to 60 percent if someone attends a cardiac rehab program.â€? CR also significantly reduces the risk of hospital readmission, according to the American Heart Association.
Pictured here: A patient in Burke's outpatient cardiac rehab program exercises under the supervision of Meghan Marone, an exercise physiologist.
CR is a medically-supervised exercise, education, and counseling program to improve heart health if one has had: myocardial infarction (heart attack), coronary bypass surgery, cardiac valve replacement, stent placement, angina, or congestive heart failure. Most insurance plans, Medicare, and Medicaid provide coverage for these conditions. If a patient has not been referred but thinks they are eligible, Dr. Richard Novitch, Medical Director of Cardiac Rehabilitation at Burke, recommends they ask their doctor if they are a candidate for CR.
Phase One of CR occurs in the hospital after the patient’s cardiac event. Phase Two, an outpatient program lasting three months, includes 36 one-hour sessions of telemetry-monitored aerobic exercise, supervised by an exercise physiologist and monitored by a physician. The medical professionals ensure a patient doesn’t have shortness of breath, chest pain, or an arrhythmia. People may be fearful of exercising after cardiac issues and this helps them build stamina and confidence. In Phase Three, a patient progresses to fitness maintenance without monitoring. “Having a cardiac event can be an emotionally devastating event. About 50 percent of people who have a cardiac event can develop a clinical depression,” says Dr. Novitch. At Burke CR, a cardiac life coach provides group therapy and can refer a patient to a psychiatrist if necessary. Also, nutrition classes are essential for educating patients about healthy eating, and meditation classes focus on stress reduction. CR patients meet others who have similar health concerns. This social aspect of the program helps improve a patient's mood. According to Meghan Marone, an exercise physiologist at Burke, “It’s encouraging for the patients to see the progress that other patients have made because then they see that they’re able to make progress also.” Marone says CR is beneficial for increasing a person’s exercise capacity and strength, as well as improving their blood pressure control and glucose control (if diabetic). Participants are inspired to continue their healthier lifestyle because they feel better. While cardiac rehab is effective and is covered by Medicare and
Medicaid, it is underutilized. Only 20 to 30 percent of patients who are eligible for CR use it.
Unfortunately, doctors don’t refer enough of their patients for CR. Dr. Low states that physicians are trained to diagnose patients, and treat them with procedures and medications. While doctors know about the benefits of exercise, he states, “No one in medical school is trained to teach you to change your lifestyle.” Dr. Novitch thinks that sometimes doctors require more training in collaborative care. CR is multidisciplinary and doctors often have to “cede their responsibilities to other professionals” in order for it to work. Also, he believes physicians would prescribe CR if referrals were more “automatic,” which may happen in the future with physician-support software. Marone suggests that patients, especially women, don’t have time for cardiac rehab because of work and family obligations. Extended CR hours can help. Other obstacles to participation may include the co-payment cost and/or transportation issues. While CR isn’t used as much as it should be, Dr. Novitch states that it “is a very inexpensive, effective way to help patients.” He says, ”There are very few things in medicine as cost-effective as cardiac rehab.... It’s a no-brainer.” n
Susie Aybar, BSN, MFA, is a writer based in Westchester County. A published poet, Susie leads a writing workshop at Ruth Keeler Memorial Library in North Salem. She also facilitates a “Healing Through Writing” class for people who are affected by cancer at Gilda’s Club in White Plains. fall 2017
Inspiring Bright for All Our Residents Discover exceptional senior living for Mom and Dad • Respectful, customized care • Cultural and social events • Experienced associates • Luxury amenities • Gourmet meals • Specialized dementia care neighborhood Call Marianne or Kaitlin to schedule your personal visit.
914.400.1284 581 Old White Plains Road Tarrytown, NY 10591 www.BrightviewTarrytown.com
STILL HAVE QUESTIONS ABOUT
We recently sat down with Alice Tseng, a licensed loan originator who works exclusively with the Home Equity Conversion Mortgage (HECM) program, to address some ongoing concerns about reverse mortgages.
First, what exactly is a reverse mortgage? AT: A reverse mortgage, also known as a HECM, allows homeowners age 62 and older to convert some of their home equity into cash. Does the borrower still own their home many people believe that with a reverse mortgage, the bank becomes the owner. AT: The borrower most definitely continues to own their home. It's a mortgage like all your traditional mortgages. In fact, it complies with even more stringent mortgage laws. How does a HECM differ from a home equity loan? AT: HECMs have different income and credit
qualification rules that most seniors can work with; they don't require any monthly interest payments or repayments, and do not expire in 10 years when the borrowed amount rolls into a fully amortized payment schedule.
gage. And if there's a dip in the market, instead of cashing out on stocks when they are at a low, borrowers can use the reverse mortgage monies in lieu of tapping into their investments.
How much can be borrowed against the home? AT: Depending on the borrower's age, the loan can be 50% to 70% of the appraised value (capped at $636,150): the older the borrower, the higher the percentage.
What about home healthcare expenses? We know Medicare doesn't cover that in the long term - can a reverse mortgage help with these costs? AT: Definitely. Borrowers can take out a reverse mortgage for care expenses and not even tap into that money until - or if it's needed. While the line is unused, it is growing automatically so your safety net is expanding. For people who cannot quality for long-term care insurance or who don't have enough, a HECM is a great solution.
What can the money be used for? AT: For anything you choose: to supplement your monthly income; pay for home repairs or renovations; medical expenses; consolidate credit card balances; help children with education expenses... but, if there is an existing mortgage, that needs to be paid off first and there needs to be enough loan proceeds to cover the mort-
13 th Annua
On June 25, the NY Times published an article referencing reverse mortgages. They suggested that the bank takes people's homes [who have a HECM mortgage] when they die. Is that the case? AT: NO! When the last surviving borrower no longer resides in the home, repayment will be required. Most often, there is still equity in the home that will be realized when the home is sold since only a portion of the equity was used for the reverse mortgage. So there is usually still money that goes to the estate if the borrower passes away. Even trusted news sources can get it wrong sometimes.
FALL FESTIVA L Sept. 23 rd!
A Community of Caring Services
Field Home â€“ Holy Comforter
Adult Day Care and Respite Programs We also offer Short-term Rehabilitation, Skilled Nursing, and Hospice Care
Isn't Tom Selleck the spokesperson for your company American Advisors Group? AT: Yes... but I haven't met him yet!
A Luxury Assisted Living and Memory Support Residence
[While reverse mortgages are not for everyone, a licensed and trustworthy HECM loan specialist can help in the decision-making process.] n n n
On the border of Yorktown and Cortlandt Manor 2300 Catherine St., Cortlandt Manor, NY 10567 914-739-2244 www.FIELDHOME.com westchesterseniorvoice.com
What if a borrower comes in to some money. Can they pay off their reverse mortgage? AT: Yes!. And there are no prepayment penalties. They may also be able to take some tax deductions on the paid interest.
Alice Tseng, a licensed HECM professional with American Advisors Group, can be reached at 914-4889262 or at AliceInReverse@gmail.com
The 7 Best Tips
By Sheri Hametz
FOR ORGANIZING YOUR ESTATE NOW
Beyond preparing and updating the legal documents in estate planning, people often ask how else they can best organize their estate. Here are seven tips worth your time:
1) Get organized. Keep a binder with a
comprehensive list of all of your bank, investment and retirement accounts, your insurance policies and annuities. Include the account number, type of account, name of each owner, the financial institution and contact information, any beneficiaries specifically named within those accounts, and relevant details (for example, maturity dates for bonds or CDs). Include in the binder the year-end statement for each account, and update it every year.
2) Simplify. Do you have accounts at mul-
tiple banks, the remnants of an earlier part of your life where you might have earmarked different accounts for different purposes, or taken advantage of competitive interest rates? From an executor's perspective, dealing with every separate account means another set of forms, proof of her authority, additional visits or mailings to banks to close out accounts and consolidate everything together in an estate account at one bank. If there's no justifiable reason to maintain accounts at more than two or three banks, then take the initiative and consolidate.
the assistance of their children or power of attorney to conduct their everyday business. Write down your user IDs and passwords and keep the list in a secure place.
5) Gather bills for recurring services.
Faced with paying the bills of the estate, your executor needs as much information as possible; keeping a file of bills for recurring services helps avoid surprise and unnecessary expenses. Say for example that you retained an ongoing service to grieve your property taxes, where the grievance is filed each year for successive tax years, and then you are charged a percentage of a successful tax reduction. An executor might sell the house for the estate, not knowing a grievance is about to be filed for another tax cycle. Even though new owners will reap the benefit, the estate may still be responsible for the bill.
6) Identify professionals. Keep a
contact list of the professionals you've retained, particularly your estate planning attorney and accountant. While your executor is not bound to use them for the estate work, they at least provide a solid starting point and a resource for any needed records.
7) Don't forget to share. Now that
you've accomplished these tasks, make sure you tell your power of attorney and executor where they can find all of this information when the time comes. n n n
Sheri Hametz is the founder of Peak Executor Solutions LLC, a firm which provides services to help estate executors understand, organize and accomplish the work ahead of them. Sheri holds a law degree from New York University School of Law. 914-420-2031; Info@ peakexecutor.com; www.peakexecutor.com
Start living a better life today!
3) Identify valuable property. It's a
challenge for family members to go through a lifetime's accumulation of property and make decisions concerning furniture, mementos and various collections without knowing whether anything has value beyond the sentimental. Was dad's stamp collection just a hobby or is there anything valuable in there? Does any of that period-looking furniture have antique value or is it simply old? What about those knick-knacks your great-uncle brought back from his time overseas? Make note of anything of value and what you know about it. Include any relevant paperwork.
4) Write down your passwords. In an
online world, it's easy enough for the average person to occasionally forget their login credentials, but it's entirely more complicated when a once-capable relative now needs
What would you do if you could: ü Eliminate monthly mortgage payments* ü Pay down high interest credit cards** ü Defer Social Security benefits**
Applying is easy!
Alice Tseng, NMLS 974322 Reverse Mortgage Originator Sponsored by AAG
888-988-6939 ext. 8451 ATseng@aag.com
*You must still live in the home as your primary residence, continue to pay required property taxes, homeowners insurance, and maintain the home according to Federal Housing Administration requirements. ** Consult your financial advisor and appropriate government agencies for any effect on taxes or government benefits. NMLS# 9392 (www.nmlsconsumeraccess.org). American Advisors Group (AAG) is headquartered at 3800 W. Chapman Ave., 3rd & 7th Floors, Orange CA, 92868. AAG conducts business in NY (Licensed Mortgage Banker-NYS Department of Financial Services; American Advisors Group operates as American Advisors Group, Inc. in New York.) AAG is an equal housing lender. A reverse mortgage increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). AAG works with other lenders and financial institutions that offer reverse mortgages. To process your request for a reverse mortgage, AAG may forward your contact information to such lenders for your consideration of reverse mortgage programs that they offer. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must occupy home as their primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan also becomes due and payable when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, defaults on taxes or insurance payments, or does not otherwise comply with the loan terms. These materials are not from HUD or FHA and were not approved by HUD or a government agency.
special: memory care
Painting Class at Wartburg photo: John Abbott
The Creative Arts: BENEFITTING PEOPLE WITH DEMENTIA By Susie Aybar
ane, a nursing home resident, had suffered multiple strokes and lost all functioning in her body except for the movement in her right hand. Sitting next to her - in the same dance therapy/movement group - was Mary, a woman in the early stages of Alzheimer's. One day, after several sessions, Mary asked the dance/movement therapist to use balloons (as a prop for the class) so that Jane could participate. While Mary had not spoken much before, she had been paying attention and figured out her new friend’s needs. Both Mary and Jane had connected through the creative arts and were building their confidence through movement therapy.
One program that is using the arts to ease some of the symptoms of dementia and to improve well-being is the Creative Aging and Lifelong Learning Initiative at Wartburg, a senior residential and healthcare provider in Mount Vernon (wartburg.org). Reissa Ress, a music therapist and the arts coordinator at
Wartburg, oversees a variety of art therapies to help participants express themselves: dance/movement; music; painting; the TimeSlips program; and puppetry. These activities give participants something to look forward to; instill a sense of accomplishment; and create a stronger connection with their family members and caregivers. An increasingly popular program is Dance and Movement Therapy (DMT). According to the American Dance Therapy Association, DMT helps people express their thoughts and feelings. A DMT therapist may use props such as foam noodles or balloons to encourage and provide a way for individuals to communicate; stimulate physical and emotional functioning; improve coping methods; and build confidence. The Alzheimer’s Association cites music therapy as a way to decrease agitation and help behavioral issues associated with dewestchesterseniorvoice.com
mentia. Says Ress, “You’ll find with a lot of [individuals with dementia]... that they won’t be able to hold a conversation with you, but a song that they learned in elementary school is something they can sing back to you without missing a beat.” Wartburg promotes the emotional and social benefits of music with their choir for people with dementia and their caregivers. Everyone comes together to rehearse and perform. Rehearsals equip participants with singing and breathing techniques. Performances give choir members something fun to look forward to, as well as a sense of independence and accomplishment. “My favorite benefit of the caregiver choir is that it’s a way to relate to your loved one in a way that you couldn’t before... they are sharing a new experience together,” states Ress. (continued on pg. 26)
Walk with us this fall to help those facing dementia More than 5 million Americans nationwide -- and nearly 40,000 people in the Hudson Valley -- are affected by Alzheimer’s, a fatal brain disease that causes dementia. The Alzheimer’s Association Hudson Valley Chapter is the key resource for families living with Alzheimer’s and other forms of dementia. Nationally, it is the largest nonprofit funder of research, and its advocacy network seeks to make Alzheimer’s a legislative priority. The Walk to End Alzheimer’s is the world’s largest event to raise
awareness and funds for Alzheimer’s care, support and research. It is held at more than 600 locations nationwide, including five in the Hudson Valley. Last year, the Hudson Valley walks raised more than $1 million to help local families living with Alzheimer’s. Join us on Sept. 24
The Westchester Walk to End Alzheimer’s will be held from 9 a.m. to noon on Sunday, Sept. 24, at the SUNY Purchase Campus West Lawn at 735 Anderson Hill Road in Purchase. To register, or for more details, visit WestchesterWalk.org. For
the latest Walk-related news, follow the Walk to End Alzheimer’s Hudson Valley on Facebook. Programs and services the walks support include: • 24/7 Helpline at 800.272.3900 provides information, referrals and emotional support. • Consultations with licensed social workers for families planning care and handling challenging situations. • Support Groups for people with early-stage dementia, caregivers and family members. • Instruction on dementia-related topics such as the 10 warning signs, legal and financial
issues to consider, and communication with someone who has dementia. • Music Socials, Memory Cafes and Wellness Retreats provide interactive fun for people with dementia and family caregivers in a safe and understanding environment. • Medic-Alert + Safe Return, a national registry and identification program, and Project Lifesaver help protect people with dementia who wander and become lost. For more on the Hudson Valley Chapter, visit alz.org/hudsonvalley or call 800.272.3900.
memory care sponsors Lorraine Godwin, a choir participant who cares for her mother Margarita, says, “I am sure the choral group started to give members with memory challenges something that they would enjoy. Truthfully, I am not sure who enjoys it more: the caregiver or the person with memory challenges.”
The Village at Award-winning Assisted Living with a therapeutic approach to memory care and dementia care. 3 Farm Road • New Canaan, CT 203.594.5200 • waveny.org
Your Home. Your Needs. Our Services.
877-CALL-VNA www.vnahv.org 24 hours a day/ 7 days a week
Painting and working with clay are yet other ways of engaging people with dementia; a painting can speak for them, and convey their memories and feelings.
1 Wartburg Place Mt. Vernon, NY 10552
189 Route 100, Somers NY 10589 914-232-5101 somersmanor.com
www.wartburg.org Premier senior service provider offering specialized memory care as well as: s Independent/Assisted Living s s Inpatient/Outpatient Rehabilitation s Home Care s Adult Day Care s Nursing Home
When experience counts, count on experience. Providing Dementia Care Services
ElderlyManagement.com 914-669-5200 or 203-703-9100
The Most Affordable Assisted Living in Westchester
Bethel Springvale Inn Quality & Affordability
Phone (914) 423-2200 for a private tour. ASK FOR THE SALES DEPARTMENT
Ask About Our Move-In Specials
At the Heart of Senior Living
62 Springvale Rd. Croton-on-Hudson, NY Bethelwell.org
TimeSlips is a therapeutic storytelling program at Wartburg that enables participants to express themselves and connect with others. With the aid of a therapist, individuals are encouraged to use photographs to develop a story, write it down, and share it with other residents. This program is more about a person's imagination than their memory. Another method of communication is through puppetry. It's like an extension of the person. “The puppets have been able to say things that our seniors wouldn’t say themselves,” says Ress. “A resident - who in time with the progression of her disease - became much quieter than she had [been] in previous years was able to give her opinion, both good and bad. She was able to find her voice again with her puppet.” “You’ll meet so many people that will tell you - whether they have Alzheimer’s, dementia or not - that they are not creative,” comments Ress. “Sometimes when people are experiencing dementia, they lose their inhibitions and are more willing to try these things. And that is actually a lovely thing because they explore something they never would’ve explored before.” The Wartburg campus is located in Mt. Vernon, NY. For more information about this program call 914.699.0800 or visit wartburg.org n n n
537 Riverdale Avenue s Yonkers, NY 10705
Peter Pardy, a retired police officer living with dementia, looks forward to the choir each week and helping out. “I fit in and belong to something... I am relaxed and it makes it easier to make friends.”
Susie Aybar, BSN, MFA, is a writer based in Westchester County. A published poet, Susie leads a writing workshop at Ruth Keeler Memorial Library in North Salem. She also facilitates a “Healing Through Writing” class for people who are affected by cancer at Gilda’s Club in White Plains.
memory care sponsors
Call Marianne or Kaitlin to schedule your personal visit.
914.400.1284 581 Old White Plains Road Tarrytown, NY 10591 www.BrightviewTarrytown.com
From help with daily activities to sharing their favorite music this is memory care.
Aerobic and resistance exercises can improve thinking skills of the over 50s, according to a new study published in the British Journal of Sports Medicine, and led by University of Canberra researchers. Dr Doug Brown, Director of Research at Alzheimer’s Society, said: 'The benefits of regular exercise to keep a sharp mind are becoming clearer. Previous studies show that people who exercise are less likely to develop dementia, but more research is needed to find out exactly what type and how much exercise is best to help reduce your risk of the condition.'
A study by the University of Tel Aviv has found that resistance to insulin may be linked to an increase in cognitive decline. Published in the Journal of Alzheimer's Disease, the research finds that insulin resistance, caused in part by obesity and physical inactivity, is also linked to a more rapid decline in cognitive performance. The researchers say that both the diabetic and non-diabetic participants in the 20-year trial, all of whom have insulin resistance, experienced accelerated cognitive decline in executive function and memory.
for All Our Residents
Drinking at least one artificially sweetened beverage daily was associated with almost three times the risk of developing a stroke or dementia. Responding to the research, Dr James Pickett, Head of Research at Alzheimer’s Society said: 'This research does not show that artificially sweetened drinks cause dementia. But it does highlight a worrying association that requires further investigation.
CLINICAL TRIALS AVAILABLE
Call or visit us online to schedule a complimentary consultation.
online issue of Neurology, the medical journal of the American Academy of Neurology)
Call our 24/7 helpline at 800.272.3900
NY State Licensed Home Care Services Agency
Caring for You & Those You Love, in Home & Hospital Settings
Caring for You & Those You Love In Home and Hospital Settings www.conceptcareny.com Concept: CARE ...bringing health care home 914-682-7990
www.conceptcareny.com | 50 Main Street,NY White10606 Plains NY 10606 50 Main St., White Plains, 914-682-7990
IndePendence | dIgnIty | choIce | Since 1998
A new study shows that older people who followed a Mediterranean diet (rich in oily fish, fresh veggies and nuts) retained more brain volume over a three-year period than those who did not follow the diet as closely. They cannot yet say whether the diet PREVENTS dementia. (source: January 4, 2017
Offering educational and support services for families living with dementia while seeking a cure.
Adult Day Care Program (914) 739-2244 The Seabury: Assisted Living & Memory Support Residence (914) 737-2255 2300 Catherine St., Cortlandt Manor
Assisted living for Alzheimer’s & Dementia Care.
An Intergenerational Adult Day Program providing dementia care Mount Kisco • 914-241-0770 White Plains • 914-422-8100 www.fsw.org/our-programs/my-second-home fall 2017
special: memory care
An Innovative Day Program LENDS PURPOSE TO TWO GENERATIONS By Susan E. Ross awn Meyerski, Executive Director of the Mount Kisco Child Care Center, still recalls the day when one of the 4 year olds at the center asked 'Grandpa' to help him make a beaded necklace for his mom. Grandpa replied that he wasn't able to help - he had arthritis. The determined little boy replied, "You find all the pink and blue hearts and I'll put them on the string." And so go the interactions at My Second Home, an intergenerational day program, with locations in Mount Kisco and White Plains.
support groups are also offered.
Volunteers are an essential part of keeping the program's services wide-ranging and affordable. One of the regular volunteers runs a baking group, while another helps serve breakfast and organizes a "men's group" of sorts. Social work interns come from Fordham's prestigious Master's program. Occupational therapy interns from Mercy College are also present, as are interns from the White Plains Youth Bureau.
My Second Home, Mount Kisco location
The program was the brain child of an anonymous donor who wanted his/her aging mom to be around children - something that made the mom happy. That donor kick-started the original program by donating the land for the two programs to exist in separate wings in a mixed-use building in Mount Kisco: an early childhood center alongside an adult day program. At various times during the day, you can find Grandmas and Grandpas engaging with the children: an environment of reciprocity where all participants can learn and be comforted by each other. Being around children is just one benefit of the program. It also provides an opportunity for older adults with varying stages of dementia (though 20% of the participants are not cognitively impaired) to live with dignity and remain at home for as long as possible - offering respite care for caregivers and socialization, says My Second Home Senior Director Karen Bisignano.
Says Roger, whose wife attends the program, "Caring for a loved one with dementia is like running a marathon - and there is no way a family can handle this reality without being able to 'pass the baton' to other caregivers: to enable a recharging of the energy required for this long journey. Thatâ€™s where My Second Home comes in. This fabulous community becomes an extension of the family of each person that attends." Whether it's pet therapy with Hearst, the Golden Retriever-Labrador dog that comes weekly - having been specially trained to be around young children and older adults, participating in chair yoga (or zumba), relaxing with an "I Love Lucy" rerun, listening to a pianist play favorites, participating in a "hot topics" discussion or working on an art project, each attendee is kept as busy as they like. My Second Home is an approved partner for Music & Memory, a well-regarded therapy that benefits dementia patients. Caregiver westchesterseniorvoice.com
Paula, whose mom has been a program attendee for over two years, describes the care and dedication of the My Second Home team: "Their patience, kindness, and understanding of her illness combined with programs established to keep her social and engaged has no doubt been fundamental to her happiness to date." The My Second Home program - providing respite care for family caregivers, stimulating older adults within an intergenerational setting, and showing young children how they can give and receive help and comfort from an older generation - stands out as much for its uniqueness as for its service. n n
My Second Home, a program of Family Services of Westchester, operates Mondays through Fridays, with an additional program on Saturdays. The White Plains location offers a half-day program as well. Locations: 95 Radio Circle in Mount Kisco (firstname.lastname@example.org), 914-241-0770; 106 North Broadway in White Plains, 914-422-8100.
ENHANCING MEMORY CARE Seniors in Senta Perez-Gardner’s dance movement therapy session arrive in wheelchairs and walkers, some with low energy and long faces. By the end of their hour-long session, they are clapping their hands, smiling, and tapping their toes. “It’s transformational!” says Perez-Gardner, a certified recreation and movement therapist who gets residents living with dementia and Alzheimer’s disease up and moving at United Hebrew of New Rochelle. “Someone who was hunched over may start swaying to a beat. A resident who was lethargic is now moving her shoulders. Suddenly, they’re fully
engaged, expressing themselves emotionally through movement.” Typically, people with Alzheimer’s and other dementias experience anxiety, frustration and fear as their memory loss progresses, causing them to have trouble interacting with others. Dance movement therapy gives them a chance to express themselves in new ways, says Perez-Gardner. “For these individuals, dance and movement give them a way to connect to each other, their families, and to the world around them.”
3 Ways Dance Movement Therapy Makes a Difference Perez-Gardner and Kelsey Gangnath, also a certified dance movement therapist at
Kelsey Gangnath engages the group with movement therapy at United Hebrew.
United Hebrew, say memoryimpaired individuals benefit at least three different ways:
1. They can express them-
selves. They develop a “physical vocabulary” to communicate with others. The therapists use props such as parachutes and foam noodles to push and pull with one another, helping them connect.
2. Movement reduces anxiety and agitation. Participants do not feel pressured to speak words they can’t remember.
If individuals are agitated and anxious, moving quickly and forcibly to the music eases their frustration.
3. Movement triggers memories. Participants are engaging in something familiar. For example, one resident remembered she and her husband used to dance to a particular song.
Families and friends can also take part. “Everyone feels the joy,” says Gangnath.
WE PRESERVE FEISTY, INDEPENDENT, AND OUTSPOKEN PERSONALITIES LONGER. At United Hebrew of New Rochelle, we focus on what keeps you well and what makes you happy. Residents lead meaningful lives and age in place safely at our top-ranked campus of comprehensive care.
Take a tour today.
Skilled Nursing and Rehabilitation | Willow Towers Assisted Living Willow Gardens Memory Care | AZOR Licensed Home Care Meadow Lane and Soundview Senior Apartments
www.uhgc.org 914-632-2804 fall 2017
special: memory care
money matters n
5 Things I Wish I Told My Dad ABOUT FINANCIAL PLANNING By Paul Tramontozzi, CFP n 2014, my father was diagnosed with Lewy Body Dementia which is the second most common type of dementia after Alzheimer’s disease. Little did my family know the difficult road that would lie ahead to provide my father with appropriate care.
My father never liked to seek outside help with his personal finances, but six years ago, while he was still well enough to make his own decisions, he brought me down to his office in the basement to go over his accounts in anticipation of his worsening condition. At the time, I was a trader on Wall Street and knew very little about how a retiree should manage their finances. But if I knew then what I now know, this is what I would have told him on that day:
FOR YOUR FAMILY’S SAKE, CONSOLIDATE.
The binder my father used to keep track of his accounts was always up to date and accurate, but as I thumbed through the graph paper with numbers carefully penciled in, I noticed that as time went on, the pages weren’t as detailed and the dates between entries were farther apart. I didn’t know it then, but this was one of the earliest signs of his cognitive issues. When his condition worsened, I took over managing the accounts. There were accounts at several banks, CDs reinvesting at almost no interest, paper savings bonds with no copies stored digitally or in another location, and a portfolio with little direction. It was comprised of investments that were col-
lected over the years, but never revisited to determine if they were still suitable. We were able to consolidate those accounts and come up with a portfolio that reflected my parents' needs.
was already sick. In the early days, it took time away from getting him the proper help. Understand these programs and policies before you need them to see if they will be available to you.
DUST OFF THOSE ESTATE PLANS.
It isn’t uncommon for a couple to establish their estate plans when they get married or have their first child and never reassess them. This is a mistake. I cannot emphasize enough how important it is to have a durable power of attorney with clear direction. A will, a health care proxy and a living will can also take a lot of the difficult decisions away from your family, by memorializing the wishes and beliefs of the individual.
LONG-TERM CARE ISN’T CHEAP, SO WHAT’S THE PLAN?
The cost of long-term care can easily dwarf the cost of attending a four-year private university. We spend years planning how we are going to pay for our children’s education, but very little time is spent on how we will manage the cost to maintain our quality of life in our later years. Longterm care insurance isn’t always feasible, but if added to the picture, it can be an extremely valuable tool.
CAN ANYONE HELP PAY THE BILLS?
In addition to long-term care insurance, Medicaid, VA Benefits, and certain supplemental insurance policies may help subsidize the cost of care. These were all areas that we explored after my father westchesterseniorvoice.com
WORK WITH THE PROS.
Talking to your children about your finances and your wishes is a great first step, but have a team of professionals and their contact information available for your family members so they can step in and do the heavy lifting when needed. A financial planner can act as the quarterback for your family and work between you and the other professionals that you've entrusted. Nobody wants to think about the possibility of losing their cognitive abilities, but establishing a plan will assist your loved ones in the event they need to oversee your care. Reacting to unfortunate events leads to worse outcomes than planning for their possibility. Take the initiative, and speak with a qualified professional to assist you with your plan. n
Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SPIC, a Registered Investment Adviser.
Paul Tramontozzi is a Certified Financial Planner™ (CFP)professional with KBK Wealth Management, located at 28 West 44th Street, Suite 1200, New York, NY 10036. Paul is a Westchester resident and available to meet throughout the county for a complimentary financial consultation. He can be reached at 212-9448501 or PaulT@kbkwealth.com
IMPROVING LIFE IN WESTCHESTER By Cathy SantaColoma
Once a week, a small group gathers in Croton-on-Hudson for four hours: engaging in conversation and activity. They share stories about their day-to-day lives, discuss current events, participate in mind and body exercises, play musical instruments and sing. Ranging in age from 67 to 92, they also bring insight from their work lives as a nun, school teacher, grocery-store owner, city worker, childcare professional and mechanic. This eclectic group shares a unique bond - each member is experiencing early memory loss: a diagnosis characterized by subtle changes in memory function. Not hugely debilitating, initially, people can continue to live in the community, work and have active lives. However, there is enough of a change for them to realize something is different and that it must be acknowledged.
on how to remember. The group also devotes time to physical activity and creative expression. In this relaxed setting, members share their stories. Ruth, a former grocery store owner, explained how she came to be part of the group. An avid card player, Ruth began to notice she was having trouble remembering her strategy. “You need to be fast and good to play, so I dropped out,” she says. Ruth also admits that at first she was embarrassed to tell her friends about the program. “Now I’m trying to get some of them to come here with me!”
And Andrew, a former schoolteacher, said he didn’t know what to expect, but is happy with what he found. “This is a very safe and caring place to be. I can share my experiences with others who have the same issues.” Each member shares personal stories, comfortable in the camaraderie of the group and strengthened by each other’s support. This innovative program also helps raise awareness within the community, offering hope and a haven for those in need of support. For information on Bethel’s Memory Boosters, call 914-941-7300 x3277.
Paul Tramontozzi, CFP® » Investment & Income Strategies » Cash Flow Management
Bethel’s Memory Boosters is designed specifically for people in this transitional phase of memory loss. Says Marsha Schlig, LMSW, and program director, “Memory Boosters offers a place for people to come and be themselves, and not have to worry about feeling embarrassed or judged. It can be a difficult time for people who are just learning how to handle their memory loss. They are often not ready to share their situation with family or friends, and find Memory Boosters to be a 'haven' where they can receive friendly support.”
» Long Term Care Planning » Estate & Trust Services
As a Westchester resident, Paul can meet throughout the county for a COMPLIMENTARY financial consultation.
Give PAUL a call at (212) 944-8501 or email PaulT@kbkwealth.com
Ms. Schlig, and Program Assistant Megan Graby, B.S. in Gerontology, also offer an educational component to explain the changes that are happening and ways to manage/enhance memory function. Ms. Schlig offers practical methods and hints
28 West 44th Street, 12th Floor, New York, NY 10036 (212) 944-8501 Securities and advisory services offered through Commonwealth Financial Network®, member FINRA/SIPC, a registered investment advisor.
special: memory care
legal matters n
CAN A PERSON WITH COGNITIVE IMPAIRMENT
Sign Legal Documents? By Michael Giannasca and Brian Miller
hen someone begins to exhibit signs of Alzheimer's or dementia - or perhaps even has a diagnosis of some type of cognitive impairment, they often turn to us - wondering if it's too late to prepare estate plans and get advance directives in place.
To better understand what can and cannot be done, consider the following scenario: Mary is 73 years old and has been diagnosed with dementia. She has good and bad days, and even good and bad periods of time within a single day. She visits her daughter Judy on a regular basis. According to Judy, Mary is usually more attentive in the mornings. One morning, after staying with Judy for several days, Mary laments to her daughter that she wishes she had gotten her affairs in order and had prepared a will and advance directives when she was “healthy.” Unbeknownst to Mary and Judy, being completely “healthy” is not necessarily a requirement to prepare a will and advance directives. In New York, a person does not need to have fully functioning mental capacity at all times, but must exhibit the various mental capacities discussed below when executing a will or the various advance directives. The standard level of mental capacity needed varies depending upon the advance directive
that the person is executing. The lowest level of capacity is “testamentary capacity,” which Mary will need to execute a will. To establish testamentary capacity, Mary must (1) understand the nature of the act she is performing; (2) know the nature and extent of her property; (3) know the identity of those who are the natural objects of her bounty; and (4) understand the will’s disposition of her property. Notably, there is no requirement that Mary be “healthy.” In fact, Mary does not even need to be competent at all times. She needs only a lucid interval of capacity to execute a will, which can even occur contemporaneously with an ongoing diagnosis of dementia, depression, incompetency, or even physical weakness. An important advance directive is the Power of Attorney (POA), which Mary would use to appoint another individual as an agent to handle her financial affairs. To execute a POA, Mary would need the capacity to execute a contract, in that she must be able to understand the nature and consequences of the transaction, and make a rational judgment concerning the consequences. Mary may have a better understanding of her actions and consequences in the morning, as opposed to later in the afternoon/evening.
Similar to the power of attorney, should Mary seek to create a trust, she would need the capacity required to enter into a contract. A trust is akin to a contract between two or more parties (i.e. the grantor and trustee). Mary, as the grantor, must be able to make a rational judgment concerning the transaction, and understand the nature and consequences of such transaction. Without knowing the exact details of Mary’s condition, it is conceivable that she has the capacity to execute a will, but not the requisite capacity to create a POA or trust. It is also conceivable that Mary has the requisite capacity for a brief time during the day, but loses that capacity at other times of the day. Given the varied diminished capacity conditions that affect an older population, and the varied capacity standards that must be adhered to, it is recommended that Mary speak with an experienced elder law attorney before her mental capacity is too diminished. Indeed, an experienced Elder Law attorney would be able to meet with Mary (sometimes with the assistance of a trained medical professional) to evaluate her mental capacity and ability to execute a will and/or other advance directives. n n n
Michael Giannasca and Brian Miller are attorneys with the law firm of Giannasca & Shook, PLLC. The Elder Law & Estate Planning Group of the firm handles all aspects of Elder Law including wills & probate, trusts & estates, Medicaid planning, guardianships, estate administration and litigation, and asset protection. Located at 1 Barker Avenue, Suite 325, White Plains, NY 10601; 914-872-6000; www.mgns-elderlaw.com westchesterseniorvoice.com
Meadowview Assisted Living Makes Life Easier and More Rewarding
Meadowview at Wartburg is a premiere assisted living community in lower Westchester. We’ve recently completed a $1 million renovation to our facility, where you can choose from studio, one- or two-bedroom apartments. You’ll enjoy: • Three restaurant meals a day • 24/7 concierge service • Daily housekeeping and weekly laundry • 24/7 on-site nursing with physicians on call • Specialized Memory Care Neighborhood for those living with Alzheimer’s or dementia • And much more!
Lohman Village Townhouses Premiere Pet-Friendly Senior Living at Wartburg
Looking for a little less work, a little less worry, and a little more socializing? Tired of winter chores and upkeep? You and your furry family member can live hassle-free In a community that caters to pets. Your step-free Townhouse allows easy outdoor access. Enjoy good food? Our Culinary Institute of America-trained executive chef prepares food to order and delivers to your door for your midday meal. Doggy bags extra! Includes: • Monthly housekeeping • Emergency response system • Private Clubhouse and Fitness Center • Townhouse and grounds maintenance • And much more!
For information call 914-513-5178 or visit wartburg.org INDEPENDENT LIVING x ASSISTED LIVING x ALZHEIMER’S/DEMENTIA CARE x NURSING HOME ADULT DAY CARE x HOME CARE x INPATIENT REHABILITATION x OUTPATIENT REHABILITATION HOSPICE CARE x CAREGIVER SUPPORT x SPIRITUAL CARE fall 2017
SEPTEMBER 13: 8:30-10AM SENIOR BREAKFAST SERIES
Topic to be determined. Call for more information. Burke Rehabilitation Hospital, Billings Building/ Rosedale Conference Room, 785 Mamaroneck Ave., White Plains. 914-597-2848; burke.org/community/community-calendar
SEPTEMBER 9: 8-4:30PM AUTUMN GAMES
A day of activities and athletic challenges for ages 55+. Join the fun, meet other like-minded people, and test your abilities! Pickleball, scavenger hunt, obstacle course, mahjong, etc. A program of Phelps Hospital and town of Mt. Pleasant. Mt. Pleasant Community Center, 125 Lozza Drive, Valhalla. 914-366-3937 or email email@example.com
SEPTEMBER 10: 2PM LIRIC OPEN HOUSE
Discover the many Fall programs offered by LIRIC - Learning in Retirement at Iona College and meet course presenters. Parking available in Iona Parking Garage. Spellman Hall, Iona College, New Rochelle, 914633-2675; www.iona.edu/liric SEPTEMBER 10: 10AM-2PM BICYLCE SUNDAYS
Bronx River Parkway open just for bicyclists, joggers, walkers, foot scooters, strollers from Exit 22 at the County Center to Exit 4 at Scarsdale Rd. in Yonkers. Round trip total of 13 miles. parks.westchestergov.com SEPTEMBER 10: 10AM-4PM HASTINGS FLEA MARKET
The Hastings Flea is a curated specialty flea market that features regular and rotating vendors, a few food vendors, as well as live music and entertainment through out the day. 131 Southside Ave. (communter parking lot) Hastings-on-Hudson; hastingsflea@ gmail.com; hastingsflea.com BEFORE HEADING OUT TO AN EVENT LISTED HERE, PLEASE CONFIRM THE DATE AND TIME AS SOME EVENTS ARE SUBJECT TO CHANGE AND, PARDON US, BUT THE OCCASIONAL ERROR MAY OCCUR.
4 at Scarsdale Rd. in Yonkers. Round trip total of 13 miles. Parking available at the County Center; parks.westchestergov.com
SEPTEMBER 17: 2PM EVERYTHING I NEVER WANTED
SEPTEMBER 15-17: 10AM-5/6PM FALL CRAFTS AT LYNDHURST
Showcases over 275 modern American makers, artists, designers and craftspeople selling their exciting contemporary creations and is a celebration of all things handmade. A full day art and shopping experience for the entire family including interactive kids activities, delicious gourmet foods and concessions, hands-on demonstrations and more. Rain or shine. Lyndhurst Mansion, Tarrytown. 914-631-4481; lyndhurst.org
Book launch for local Westchester Resident Barbara Santarelli, for her book "Everything I Never Wanted, A Memoir of Excess." Meet the author - a former White Plains school nurse - at Barnes & Noble, Vernon Hills Shopping Center, Eastchester/Scarsdale. everythingineverwantedbook.com SEPTEMBER 19: 10AM SENIOR STEPS: BALANCE
Free balance screenings. Appointment required. Phelps campus, N. Broadway, 755 Building, Room 225, Sleepy Hollow; 914366-3937 or email ewoods@ pmhc.us to register. SEPTEMBER 19: 10AM-2PM LIVEABLE COMMUNITIES FAIR
Music, movement, discussion, interactive learning with inspired thinkers and doers. Complimentary light lunch. Mount Pleasant Community Center, 125 Lozza Drive, Valhalla. Mor info: 914-813-6263 or firstname.lastname@example.org SEPTEMBER 16: 8PM ROBERT KLEIN
SEPTEMBER 19: 6:15PM COMEDY NIGHT
Robert Klein has entertained audiences for more than 40 years, and continues to have an acclaimed career in comedy, on Broadway, on TV and in film. Paramount Theater, 1008 Brown St., Peekskill; 914-739-0039; paramounthudsonvalley.com
Six comics for a night of great dining and outrageous comedy! Adult Humor (18+). Westchester Broadway Theatre, Elmsford; 914-5922268; broadwaytheatre.com
SEPTEMBER 17 PURPLE SUNDAY
Workshops on how falls are preventable, basics of balance, activities to improve your balance such as tai chi, Stay Strong and Fit exercise program, and line dancing. If you have fallen or are concerned about falling, this program will help you reduce your fall risk. Hosted by Phelps Hospital, the Town of Mount Pleasant and Senator Murphy. Mt. Pleasant Community Center in Valhalla. Contact Ellen at 914-366-3937 or email@example.com to register or for more information.
Purple Sunday is an initiative that aims to increase Alzheimer's Awareness in the Hispanic and African-American communities through houses of worship. Anyone interested in having their congregation participate should contact Jonelle Ward at 914.839.0180 or joward@alz. org. www.alzhudsonvalley.org/ purplesunday and on Facebook at Hudson Valley Purple Sunday. SEPTEMBER 17: 10AM-2PM BICYLCE SUNDAYS
Bronx River Parkway open just for bicyclists, joggers, walkers, foot scooters, strollers from Exit 22 at the County Center to Exit
SEPTEMBER 22: 9AM-2PM NATIONAL FALL PREVENTION AWARENESS DAY
SEPTEMBER 23: 11AM-5PM WARTBURG FALL FESTIVAL
Food trucks, live entertainment, craft vendors/ shopping, farmers market, alumni homecom-
ing. Rain or shine. Free admission. Wartburg Campus, Mt. Vernon. wartburg.com SEPTEMBER 23: 11AM-4PM FALL FESTIVAL
Live entertainment, classic car show, raffle baskets, kid zone, bake sale, food. To benefit the Yorktown Food Pantry- please donate canned and dried foods. The Seabury at Fieldhome, 2276 Catherine St., Cortlandt Manor; 914-7392244 x5501; fieldhome.com SEPTEMBER 23 38TH WHEEL CHAIR GAMES
For over three decades wheelchair athletes of all ages head to Burke Rehabilitation Hospital to participate in the annual Wheelchair Games. Burkeâ€™s campus is transformed into a unique forum for sportsmanship, camaraderie, and determination. Disabled persons show their ability in track, field and table tennis events. Helps athletes build strength, coordination, endurance, self-confidence, allowing those with physical impairments the ability to stay active and to enjoy the competition. 785 Mamaroneck Ave., White Plains. 914-597-2848; burke.org/ community/community-calendar SEPTEMBER 24: 10AM-2PM BICYLCE SUNDAYS
Bronx River Parkway open just for bicyclists, joggers, walkers from Exit 22 at the County Center to Exit 4 at Scarsdale Rd. in Yonkers. Park at the County Center; parks.westchestergov.com
SEPTEMBER 24: 9AM WALK TO END ALZHEIMER'S
Join the fight for Alzheimer's first survivor! Register and raise funds with a team or as an individual at westchesterwalk.org to #ENDALZ. SUNY Purchase- West Lawn, 735 Anderson Hill Road, Purchase. westchesterwalk.org SEPTEMBER 24: 11AM-5PM CLASSIC & COLLECTIBLE CAR SHOW
Variety of classic and collectible cars, street rods, motorcycles, restored to mint condition; trophies for best vehicles. Cancelled in event of rain. Glen Island Park, New Rochelle. Registration from 9am-noon. Call 914-260-9274, 914-666-2057 for info.
SEPTEMBER 25: 6PM EARRING WORKSHOP
Make earrings for yourself and for a Battered Women’s Shelter. Optional: Bring any old bead jewelry that you can recycle into earrings! If you have any jewelry making tools, bring them along too. For Adults & Teens & Tweens. Please register online or at the reference desk.John C. Hart Memorial Library, Shrub Oak. 914-245-5262 ext 227; yorktownlibrary.org SEPTEMBER 26: 6:30PM DEMYSTIFYING MEDICARE
Help for those on Medicare and people who will be turning 65. Reviews the various parts of Medicare and costs. Covers Original Medicare, Advantage Plans, drug plans, supplemental plans, cost-saving programs. Phelps Hospital Auditorium; 914-366-3937 or email firstname.lastname@example.org to register. SEPTEMBER 26: 6:15PM THE DUPREES
Enjoy The Duprees' biggest chart hits and most memorable songs such as “You Belong To Me”, “Take Me As I Am”, “My Own True Love” & “Please Let Her Know” and other great hits! Featuring an opening comedian! Westchester Broadway Theatre, Elmsford; 914-5922268; broadwaytheatre.com SEPTEMBER 28: 7:30PM CHICAGO
Considered one of the longest running and most successful pop/rock ‘n’ roll groups in history, Chicago is the highest charting American band in Billboard Magazine’s list of Top 100 artists of all time, coming in at #13. The Palace Theatre, 61 Atlantic St., Stamford, CT. 203-3254466. palacestamford.org SEPTEMBER 30: 2-4PM TARALLI DOLCI
Taralli dolci are a variation from the traditional taralli recipe. Learn how to prepare these special and delicous taralli dolci sure to delight everyone! Presented by Cathy Blanco.Call for class cost. Westchester Italian Cultural Center, Tuckahoe. 914-771-8700; wiccny.org OCTOBER 2: 7-9PM OSTEOPOROSIS AWARENESS
Provides support to individuals suffering from osteoporosis as well as information to those interested in learning ways to decrease their risk of their disease. Burke Rehabilitation Hospital, Billings Building/ Rosedale Room; , 785 Mamaroneck Ave., White Plains. 914725-5229 or email@example.com; burke.org/community/ community-calendar
OCTOBER 4: 10:30AM-3PM GOLDEN HARVEST DANCE & TALENT SHOW
Dance to the Golden Oldies, Big Bands, Salsa. Reservations requ. for lunch and table seating. Westchester County Detp. of Senior Programs and Services at Westchester County Ctr., White Plains. 914-8136300. events.westchestergov.com OCTOBER 7: 10AM-3PM HARVEST FEST
Celebrates the best of the farm in fall. Enjoy activities, crafts, live music, and seasonal fare from local vendors. Cooking activities, educational tours, live music, square dancing, farm demonstrations. Strict No Dogs policy. Stone Barns Center, 630 Bedford Rd., Pocantico Hills. 914 366 6200; stonebarnscenter.org OCTOBER 9: 6:15PM A MUSICAL JOURNEY THROUGH ITALY
Starring Franco Corso. Dubbed “The Voice of Romance”, baritone Frank Corso, the Italian-born singing sensation brings his show to WBT. Corso's selections range the Italian romantic songs - "Volare" and "Quando Quando" combined with favorites such as "My Way" and "You Raise Me Up." Guests: Comedian, Uncle Floyd and World Champion Accordionist, Mario Tacca. Westchester Broadway Theatre, Elmsford; 914592-2268; broadwaytheatre.com
OCTOBER 13: 8PM SIDELINE
Sideline plays songs you love performed in a way that makes audiences understand why these pickers and singers are A-tier bluegrass artists, loved and adored by fans around the world. Emelin Theatre, 153 Library Lane, Mamaroneck. 914-698-0098; emelin.org OCTOBER 17: 9AM-1PM SENIOR LAW DAY WHITE PLAINS
Free advice and seminars from attorneys, financial planners and advisors. Free. Westchester County Detp. of Senior Programs and Services at Westchester County Ctr., White Plains. 914-813-6400. events.westchestergov.com
The two icons of folk will celebrate the golden anniversary of their formative time together. Their joint tour marks the first time ever Stills and Collins have been onstage together. For this once in a lifetime experience, the two music legends will pull from their rich catalogs, debut songs from their new album. Tarrytown Music Hall. 914-6313390; tarrytownmusichall.org
Minestra di Zucca is a delicate comfort food. A soup made withb pumkin, potatoes and aromatic herbs that give it a very particular aromatic flavor. Presented by Cathy Blanco. Call for class cost. Westchester Italian Cultural Center, Tuckahoe. 914771-8700; wiccny.org
Learn about developing and following a retirement income plan that balances current lifestyle and long-term sustainability of your investment portfolio. This presentation will cover the value of dividends in a retirement portfolio, how to build a cash flow reserve ladder, implementing an endowment style spending policy and a prudent plan to preserve purchasing power in retirement. Presentation by Paul Tramontozzi, a Certified Financial Planner, as part of the Scarsdale Adult School. Scarsdale High School, 2 Brewster Rd., Scarsdale, Scarsdale Adult School. 914-723-2325; firstname.lastname@example.org
Two time Grammy winner, her latest album The Other Side of Desire was written, recorded and rooted in the city of New Orleans Emelin Theatre, 153 Library Lane, Mamaroneck. 914-698-0098; emelin.org
OCTOBER 28: 8 & 11PM ROCKY HORROR PIC SHOW
In the cult classic, sweethearts Brad and Janet discover the eerie mansion of a transvestite scientist. Story told through elaborate dance and rock songs. Paramount Theater, 1008 Brown St., Peekskill; 914-739-0039; paramounthudsonvalley.com OCTOBER 28 & 29: 10AM-5PM CRAFTS AT PURCHASE
OCTOBER 20: 8PM RICKIE LEE JONES
Enjoy Your Favorite Music In a Nostalgic Night of Fabulous Hits! The Drifters, one of the most successful and beloved singing groups of all time feature “There Goes My Baby”, “This Magic Moment“, “Some Kind Of Wonderful” and much more! Tribute to the Platters, featuring “Only You”, “My Prayer”, “Smoke Gets In Your Eyes” and much more! Westchester Broadway Theatre, Elmsford; 914-5922268; broadwaytheatre.com
OCTOBER 17: 2-4PM MINESTRA DI ZUCCA
OCTOBER 19: 7PM ROAD OF RETIREMENT: RETIREMENT INCOME PLANNING
OCTOBER 12: 8PM STEPHEN STILLS & JUDY COLLINS
OCTOBER 24: 6:15PM THE DRIFTERS and TRIBUTE TO THE PLATTERS
Oe-of-a-kind and limited edition: jewelry, clothing, accessories, home decor pieces, functional and sculptural works in ceramics, glass, metal, painting, photography, wood and mixed media. New this year: a small selection of gourmet specialties.Performing Arts Center, SUNY Purchase, 735 Anderson Hill Rd.l 845-331-7900; artrider.com
OCTOBER 29: 7PM ALTON BROWN: EAT YOUR SCIENCE
Food Network star. Fans can expect all-new everything including songs, multimedia presentations, talk-show antics, and bigger and better potentially dangerous food demonstrations. Brown mixes together a perfect base of science, music and food in two hours of pure entertainment. The Palace Theatre, 61 Atlantic St., Stamford, CT. 203325-4466. palacestamford.org
OCTOBER 30: 6:15PM THE EXTREME MAGIC OF ERIC WILZIG
Combining an explosive mix of cutting-edge illusions, daring escapes, outrageous stunts, and cool music, the show can only be labeled as intensely entertaining and totally different than anything else out there today!Westchester Broadway Theatre, Elmsford; 914-5922268; broadwaytheatre.com
NOVEMBER 3: 8PM CINEMA TWAIN
Val Kilmer will appear in person to introduce the 90-minute screening of his one-man play about Mark Twain. Kilmer transforms himself into the “First American,” Mark Twain, in a comedic and moving performance, based on the life of the man, Samuel Clemens, and his writings as Mark Twain. Question and answer period with audience follows the screening. Tarrytown Music Hall. 914-6313390; tarrytownmusichall.org NOVEMBER 4: 1PM WHY NOT WRITE A BOOK
You'll learn about getting those first words on paper, setting up a schedule, writing an outline, editing your work, doing research, rewrites and getting published. Led by best-selling author Rich Mintzer who has over 70 published non-fiction books as an author or ghostwriter. Please register for this program online or at the reference desk. John C. Hart Memorial Library, Shrub Oak. 914-2455262 ext 227; yorktownlibrary.org
NOVEMBER 18: 2-4PM ANGINETTI
NOVEMBER 11: 8PM JACKIE MASON
The prototypical borscht belt comedian, Jackie Mason deftly blends self-deprecating humility with abrasive arrogance to acutely dissect the differences between Jewish and Gentile culture. All new political material. Tarrytown Music Hall. 914-6313390; tarrytownmusichall.org NOVEMBER 12: 10AM-4PM HASTINGS FLEA MARKET
The Hastings Flea is a curated specialty flea market that features regular and rotating vendors, a few food vendors, as well as live music and entertainment through out the day. 131 Southside Ave. (communter parking lot) Hastings-onHudson; hastingsflea@gmail. com; hastingsflea.com NOVEMBER 14: 11:15AM THE IMPERSONATORS
An Evening w/ Cher, Billy Joel, Midler, Streisand & many more. Las Vegas Impersonators The Edwards Twins. All your favorite legendary Superstars come alive; Sonny & Cher, Billy Joel, Elton John, Bette Midler, Barbra Streisand, Neil Diamond, Lionel Richie, Stevie Wonder, Ray Charles, Lady Gaga, Celine Dion, Rod Stewart, and more. Westchester Broadway Theatre, Elmsford; 914-592-2268; broadwaytheatre.com
NOVEMBER 9: 8:30-10AM SENIOR BREAKFAST SERIES
Topic to be determined. Call for more information. Burke Rehabilitation Hospital, Billings Building/ Rosedale Conference Room, 785 Mamaroneck Ave., White Plains. 914-597-2848; burke.org/ community/community-calendar BEFORE HEADING OUT TO AN EVENT LISTED HERE, PLEASE CONFIRM THE DATE AND TIME AS SOME EVENTS ARE SUBJECT TO CHANGE AND, PARDON US, BUT THE OCCASIONAL ERROR MAY OCCUR.
NOVEMBER 17: 8PM THE HIT MEN
The Hit Men perform a Billboard Chart topping show of songs to which you danced, dated, sang along and knew every word.The Hit Men are not a tribute band. They are the actual musicians and singers you heard on the original records of Carole King, Cat Stevens, Frankie Valli and others. Tarrytown Music Hall. 914-6313390; tarrytownmusichall.org
Anginetti or Italian Lemon Drop cookies. Soft , light pillow of goodness, these are the Italian cookies everyone sees on holiday trays and on tables at Italian weddings. Presented by Cathy Blanco. Call for class cost. Westchester Italian Cultural Center, Tuckahoe. 914771-8700; wiccny.org NOVEMBER 17: 8PM GEORGE WINSTON
Grammy award-winning concert pianist and world-renowned recording artist returns to the EmelinEmelin Theatre, Mamaroneck. 914-6980098; emelin.org NOVEMBER 18: 8PM PRESLEY, PERKINS, LEWIS, CASH
The group pays tribute to and celebrates the legendary Sun Records recording artists. From Blue Suede Shoes and Hound Dog to Great Balls of Fire and Walk the Line - pure 1950s rock and roll. Paramount Theater, Peekskill; 914-7390039; paramounthudsonvalley.com NOVEMBER 20: 6:15PM COMEDY NIGHT
Six popular comics for a night of great dining and outrageous comedy! Adult Humor (18+). Westchester Broadway Theatre, Elmsford; 914-592-2268; broadwaytheatre.com NOVEMBER 21: 10AM SENIOR STEPS: PULMONARY
Health Screenings for seniors. Phelps Hospital, N. Broadway, 755 Building, Pulmonary Lab, Sleepy Hollow; 914-366-3937 or email email@example.com for more information and to register.
ONGOING EVENTS SEPTEMBER-NOVEMBER
VARIOUS LOCATIONS/TIMES DEMYSTIFYING MEDICARE COVERAGE WORKSHOPS
Help for those on Medicare and people turning 65. Reviews the various parts of Medicare coverage, including supplemental and drug plans, Medicare Advantage and cost-saving programs. Workshops run in single sessions at the North Salem, Harrison, Sleepy Hollow, West Harrison, Pleasantville, Pound Ridge, Irvington, Valhalla, Montrose, Yonkers, South Salem, Eastchester, Shrub Oak, Ossining, Scarsdale, and Pelham libraries, Cortlandt Town Hall and Croton Rec. To find the date and time near you, see calendar at www.westchesterlibraries. org/westchester-seniors-outspeaking or contact Westchester Seniors Out Speaking at 914-231-3236 or sbic@wlsmail. org. WSOS is a project of the Westchester Library System.
NOVEMBER 25: 10:30AM-NOON NAPLES UNDERGROUND
A Brief History of Naples from its early origins through WWII. Explore the underground where thousands of Neapolitans spent many months while being bombed, and the impressive Catacombs of San Gennaro. Presented by Toni McKeen.Call for class cost. Westchester Italian Cultural Center, Tuckahoe. 914-771-8700; wiccny.org NOVEMBER 27: 6PM EARRING WORKSHOP
Make earrings for yourself and for a Battered Women’s Shelter. Optional: Bring old bead jewelry you can recycle into earrings! If Jewelry making tools? Bring them along too. For Adults & Teens & Tweens. Please register online or at the reference desk.John C. Hart Memorial Library, Shrub Oak. 914-245-5262 ext 227; yorktownlibrary.org
SUNDAYS SEPT 3-OCT 1 HARVEST FESTIVAL
This popular, free community event features a farmer's market, craft village, children's activities, live music, and special programming, in a family-friendly atmosphere celebrating local products and green initiatives. Bethel, NY. 866-781-2922; bethelwoodscenter.org SEPT. 4, OCT. 2, NOV. 6: 1-3PM WELL SPOUSE SUPPORT GROUP
Provides peer support and education about the challenges and unique issues facing "well"
FIRST WED & FRIDAYS DIABETES SUPPORT GROUP
spouses. Burke Rehabilitation Hospital, Billings Building/ Room 202; 785 Mamaroneck Ave., White Plains. 914-9494936; burke.org/community/ community-calendar SEPTEMBER 6, OCTOBER 4, & NOVEMBER 1: 2PM MIND GAMES ARE FUN
Group games and puzzles using memory skills, visual recall, focus and speed. Board Room/ C Level at Phelps campus, 701 N. Broadway, Sleepy Hollow; 914-366-3937 or email firstname.lastname@example.org to register. TUESDAYS SEPT 12-OCT 17: 7-8:30PM - NAVIGATING AGING FOR FAMILIES
Each class will address issues relevant to aging. Taught by a team of professionals who provide services for seniors, offering help with the practical and emotional challenges around the inevitable changes that come with aging. Classes will be tailored to address needs and interests of the group. Scarsdale High School; scarsdaleadultschool.org SEPTEMBER 13, 27; OCTOBER 11, 25; NOVEMBER 8, 22: 10-11:30AM ALZHEIMER'S CAREGIVER GRP
Encourages caregivers to maintain their own personal, physical and emotional health as well as optimally care for the person with dementia. In addition, they may provide a needed break from care giving responsibilities. Burke Rehabilitation Hospital, Billings Building/ Room 204; 785 Mamaroneck Ave., White Plains. 914-253-6860 or email@example.com SEPTEMBER 14, OCTOBER 12, NOVEMBER 9: 8:30AM THE BREAKFAST CLUB
Free breakfasts with presentation by guest speaker and light exercise program. Covers music therapy, cardiology. Cafeteria, G Level, Phelps Hospital. 914-366-3937 or email firstname.lastname@example.org to register. SEPTEMBER 14, OCTOBER 12, NOVEMBER 9: 10:45AM OSTEOPOROSIS SUPPORT
For people with osteoporosis, providing education on nutrition, exercise, and activites of daily living.Phelps campus, N. Broadway, Sleepy Hollow, Board Room/ C level; 914-366-3937 or email email@example.com to register.
NEW PROGRAM! SENIOR AFTERNOON CINEMA
Films are shown once a month on Tuesdays at 1pm. All films will be under two hours and in English. September 12: Mrs. Henderson Presents; October 17: Belle; November 14: Grey Gardens; December 5: Julia. Jacob Burns Film Center, 364 Manville Rd., Pleasantville. 914-773-7663; burnsfilmcenter.org SEPTEMBER 15, OCT. 13, NOVEMBER 10: 10AM ALZHEIMER'S SUPPORT GRP
Supporting family caregivers with a loved one with Alzheimer's disease - you don't have to go it alone. Phelps campus, N. Broadway, 755 Building, Room 545, Sleepy Hollow; 914-3663937 or email ewoods@pmhc. us to register. SEPTEMBER 24-OCTOBER 14 SEX WITH STRANGERS
Lust turns to sex, and dating turns to something more complicated when Ethan, a sexy young blogger-turned-bestselling author, meets Olivia, an unknown thirty-something novelist. Follows the unexpected twists and turns of modern relationships as ambitions turn dark and self-reinvention is just a click away. Westport Country Playhouse, 25 Powers Court, Westport, CT; Call for prices, subscriptions: 203-227-4177; westportplayhouse.org
Topics include reducing risks and prevention as well as checking blood sugar levels. Importance of healthy lifestyle behaviors, healthy cooking and exercise will be emphasized. First Wednesday of each month 6-7pm; first Friday of month 1-2pm. Ground flr conference room, NY-Pres Hudson Valley Hospital, 1980 Crompond Rd., Cortlandt Manor. Register by calling 914-734-3557. hvhc.org
SATURDAYS OCT 7-NOV 25: 9:30AM A MATTER OF BALANCE
Eight week fall prevention program. Phelps Hospital, C Level Classroom, Sleepy Hollow; 914366-3937 or email ewoods@ pmhc.us to register. fall 2017
Six week program that combines slow sustained movements with deep breathing to increase strength, balance and stability, while enhancing mind body and spirit. The Reformed Church of the Tarrytowns, 42 No. Broadway; 914-366-3937 or email firstname.lastname@example.org to register.
THURSDAYS: 10AM QUILTING
Drop in and join! Bring your quilting or needlework project. All welcome. John C. Hart Memorial Library, Shrub Oak. 914-2455262 ext 227; yorktownlibrary.org FRIDAYS THRU OCT: 12-2PM PLAYDAYS @ JAY
Pack a picnic and spend the afternoon at John Jay Homestead; explore our 6 Discovery Centers and help volunteers collect eggs from the chicken coop. Education staff will lead a short hands-on activity at 1pm. Free admission.John Jay Homestead, Katonah; 914-2325651; johnjayhomestead.org FRIDAYS THRU OCT: 12-2PM HIGHLIGHTS TOUR
A 25-minute, docent-led Highlights tour is available Saturdays during the Farm Market at 10, 10:30, 11, and 11:30am. John Jay Homestead, Katonah; 914-232-5651; johnjayhomestead.org
THRU OCTOBER 29 CHIHULY EXHIBITION & WHAT IS A HERBARIUM?
Breathtaking works of glass art from Dale Chihuly. Plus a special exhibition in the Ross Gallery celebrates the Steere Herbarium as the centerpiece of the Garden’s botanical research program, and a priceless resource for scholars from around the world. New York Botanical Garden, Bronx. 718-817-8700 nybg.org
FRIDAYS OCT 6-NOV 10: 9:30AM TAI CHI
SEPTEMBER 14-NOVEMBER 26 ANNIE GET YOUR GUN
Set in the Wild West, where Frank Butler is the sharpest sharpshooter around and the heart-throb of Buffalo Bill's travelling Wild West show. Frank meets his match in the rough and ready tomboy sharpshooter, Annie Oakley. Romantic sparks fly. Irving Berlin’s score filled with memorable hit songs, including “Anything You Can Do, I Can Do Better,” ”Doin' What Comes Natur'lly,” and “There’s No Business Like Show Business.”Westchester Broadway Theatre, Elmsford; 914-592-2268; broadwaytheatre.com
OCTOBER 31-NOVEMBER 19 ROMEO & JULIET
Shakespeare’s most famous play transcends time and generations with the story of two star-crossed teenagers who fight to love each other in a violent world. Their families are at war, but their love cannot be torn apart. Experience this classic anew in the sure hands of Mark Lamos. Westport Country Playhouse, Westport, CT; Call for prices, subscriptions: 203-2274177; westportplayhouse.org
THRU NOVEMBER 11 JAPANESE STROLL GARDEN
An environment of natural beauty and tranquility, to refresh the spirit. It complements the Museum as a space where Eastern and Western culture can meet and be appreciated through art exhibitions, concerts, special events and educational programs. Hammond Museum, 28 Deveau Rd., North Salem. 914-6695033; hammondmuseum.org
TUESDAYS & FRIDAYS: 8-10AM MALL WALKS
Window shop as you get and stay in shape with indoor walks. Special guest speaker first Friday each month at 9am (Food Court, Level 4). Adm. and parking free for members of mall walk program. Sign up at horse fountain near Crate & Barrel, Level 2, Tues and Fri mornings during program. Westchester Mall, White Plains. Info: 914-231-4645.
in the kitchenfall n
From Lisa Keys, The Good Grief Cook
Japan-Ease Chicken Salad INGREDIENTS:
4 chicken breast halves, boneless, skinless 1 tablespoon all purpose flour 1 teaspoon garlic powder ½ teaspoon ground ginger ½ teaspoon ground black pepper 1 tablespoon canola oil ½ cup water ½ cup mirin (Japanese rice wine) ¼ cup low-sodium soy sauce 2 tablespoons light brown sugar 1 tablespoon lemon juice 1 tablespoon sesame oil 6 cups mixed salad greens 1 cup shredded carrots 1 avocado, pitted, peeled, diced 2 teaspoons toasted sesame seeds 2 green onions, chopped
Pound chicken to even thickness. In zippered plastic bag, combine flour, garlic powder, ginger and black pepper. Add chicken, one piece at a time, shaking to coat. In large skillet, heat canola oil over medium-high heat. Add chicken; cook 3 to 4 minutes per side or
until golden brown and fork tender. Transfer chicken to a plate; keep warm. Add water, mirin, soy sauce and brown sugar to skillet, scraping with a wooden spoon to loosen any browned bits. Cook the sauce for 2 minutes. Return chicken and any accumulated juice to the skillet. Cook, stirring, until the sauce is
Crème Brûlée Apple Tart DIRECTIONS:
Heat oven to 400°F. In a bowl, stir pie filling and cranberries together; separate mixture into eight portions. Lightly flour a work surface. Roll each puff pastry sheet into a 12-inch square. Using a sharp knife cut each square into four 6-inch squares. Working with one square at a time, place a portion of apple filling in center of square. Lightly brush edges
reduced and the chicken is glazed. Arrange salad greens, carrots and avocado on serving plate. Top with chicken. Whisk lemon juice and sesame oil into pan sauce; drizzle over salad. Sprinkle with sesame seeds and green onions. Serves 4.
1 (21 oz) can premium apple pie filling ¼ cup fresh or frozen cranberries, chopped 1 (17.3 oz) package puff pastry sheets, thawed 1 cup heavy cream 2 eggs 1 cup sugar 2 teaspoons almond extract 2/3 cup sliced almonds powdered sugar
with some water. Bring corners of pastry up and over center of filling, enveloping filling inside. Press gently to seal. Repeat with remaining ingredients forming eight 4-inch square pastries. Arrange 4 pastries, seam side down, in each pan (using two ungreased 8-9 inch square baking pans). With the tip of a sharp knife make two or three steam vents in the top of each pastry.
Bake 20 minutes or until edges are golden brown. Meanwhile, in bowl, whisk cream, eggs, sugar and almond extract until blended. Evenly pour the cream mixture over the partially baked pastries. Sprinkle evenly with the almonds. Bake for 20 to 25 minutes more or until the tarts are a deep golden brown. Serve warm or at room temperature dusted with powdered sugar. Serves 8.
Lisa Keys is a multi-awardwinning cook, a Food Network Chopped champ and blogger of www.GoodGriefCook.com. When Lisa is not blogging, cooking or competing, she can be found in her garden tending to the fresh ingredients she uses in her recipes.
The Visiting Nurse Association of Hudson Valley family of organizations - providing home health services since 1898.
VNAHV delivers the best quality professional in-home nursing and rehabilitative services to residents of Westchester and Putnam Counties.
Our carefully screened and New York State-licensed aides offer a wide range of services to help you maintain your independence.
Our family-centered approach allows you to focus on what matters most - quality of life and time spent with your loved ones. Corporate Address: 540 White Plains Road, Ste. 300 Tarrytown, NY 10591 Putnam Address: 20 Milltown Road, Ste. 101 Brewster, NY 10509
(914) 666 - 7616
At the Heart of Senior Living
Adult Day Services
Independent Senior Living
Assisted Senior Living
Continuing Care Retirement Community
Sub-Acute and Outpatient Therapy
Skilled Nursing & Rehabilitation
914-739-6700 Ossining - Croton-on-Hudson - Valhalla
The Only Not-for-Profit, Full Continuum of Care in Northern Westchester Serving the Community for Over 100 Years!
bethelwell.org fall 2017
Where “Main Street” is Memory Lane. The Village at Waveny provides award-winning Assisted Living with a therapeutic approach to memory and dementia care. Just across the state line in New Canaan, Connecticut, our world-renowned indoor “Main Street” is a bustling site for meaningful interaction, fun activities and fulfilling programs for seniors. Discover more about everything we have to offer, including long-term care and short-term overnight respite stays for caregiver relief, by calling 203.594.5302 or visiting waveny.org. And, enjoy long-range confidence knowing all Village residents have priority access to Waveny’s entire non-profit continuum of care, including Waveny Care Center, our 5-star Medicare and Medicaid accredited skilled nursing facility, should personal or financial needs ever change.
ust a stone’s throw from New Canaan’s vibrant town center, The Inn offers distinctive independent senior living that celebrates wellness, dignity and choice. And, all residents at The Inn enjoy priority access to Waveny LifeCare Network’s entire continuum of care, including personal care services through Waveny at Home, and our 5-star skilled nursing and rehabilitation facility, Waveny Care Center. Call 203.594.5450 or visit us at waveny.org to discover more about life at The Inn. Schedule lunch and a tour, and come visit us today.
73 Oenoke Ridge New Canaan • Connecticut
Published on Aug 15, 2017
The only stand-alone lifestyle publication in Westchester County, NY exclusively devoted to connecting boomers and seniors with the informat...