Westchester Senior Voice: Spring 2022 Edition

SeniorVoice WESTCHESTER

Growing Hydrangeas The Power of Acupuncture Meet These Baby Boomer Entrepreneurs INSIDE: Getting to Know

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Contents

16

SPRING 2022

20

features and stories

23 columns and departments

19 growing hydrangeas

10 worth noting

20 baby boomer entrepreneurs

12 out and about

23 getting to know senior living communities

14 the home expert: 2022 design trends 15 health and wellness: a pain in the neck (and back)

more articles

18 legal talk: planning for the newly retired

16 the power of acupuncture

37 medicaid advisor: true or false quiz

17 honey: how sweet it is (for your health)

39 money: 529 plans for your grandkids

38 tackling spring cleaning

westchesterseniorvoice.com

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spring 2022

Breakfast Club Club Program Program at Breakfast at Phelps Phelps The Breakfast Club is a series of monthly meetings designed especially for seniors.

The Breakfast Club is a series of monthly meetings designed especially for seniors.

When meeting in person, each program includes a free breakfast, a presentation on a When meeting intopic, person, program includes a to free breakfast, a presentation onIt’s a healthy lifestyle andeach a light exercise program improve strength and balance. healthy lifestyle topic, and light exercise to improve strength and balance. It’s also a great opportunity fora older adults toprogram socialize with their peers.

Due to COVID-19, also a greatand opportunity for older adults socialize their peers.While Due tomeeting COVID-19, programs support groups have been to moved to a with virtual platform. programs support groups have beenonmoved to alifestyle virtual topic, platform. meeting to virtually, and this program is a presentation a healthy withWhile an opportunity virtually, this program is aofpresentation on a healthy lifestyle topic, with an opportunity to ask questions at the end each meeting. ask questions at the end of each meeting.

The Breakfast Club meets on the 2nd Thursday of each month from 9:00am - 10:00am.

The Breakfast Club meets on the 2nd Thursday of each month from 9:00am - 10:00am.

To register and recieve the Zoom link, please call Ellen Woods at (914)the 366-3937, or email To register and recieve Zoom link, please Vitality@northwell.edu. call Ellen Woods at (914) 366-3937, or email

Vitality@northwell.edu.

Caring for You & Those You Love, in Home & Hospital Settings

SeniorVoice WESTCHESTER

PUBLISHER Susan E. Ross publisher@westchesterseniorvoice.com 914.380.2990

CONTRIBUTING WRITERS Rosemary Black Andrew Casden, MD Lauren C. Enea, ESQ. Steven Geiger and Rosemary Stern Rubina Heptulla, MD Daryl Moss Donna Moriarty Laura I. Rotter Colin Sandler Amy van den Dijssel Julie Woodward

Concept: CARE

®

CIRCULATION

...bringing health care home

Rare Sales, Inc. / Bob Engelman 914.661.3605

www.conceptcareny.com | 50 Main Street, White Plains NY 10606

914-682-7990 Westchester Library System

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.

The 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 7.1 SPRING 2022 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 and the Booming BETTER Expo

People with vision loss can stay active, engaged, and connected!

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Paid for in part by the Field Hall Foundation

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from the publisher YEARS

Nothing embodies all these ideas more than the

since life as we knew it took

IT’S

BEEN

TWO

newly-minted entrepreneurs who have looked in-

a sharp turn – downhill.

ward and understand that life is not pre-scripted:

What did we do? We mus-

thatreinventingyourselfcanbeane-•ectivetoolin

tered up all our resilience

living longer and more productively. And that’s ex-

and optimism and pushed

actly what we’ve witnessed with graduates of the

forward. We dove into new

WestchesterCountyO-ceofEconomicDevelop -

technologies,

ment’s Launch1000 program: initiated to spur in-

reinvented

our relationships, embraced

novation and job support during the pandemic.

a new world and looked for shiny objects to distract us from the raw realities. Over 700 days into

Starting a business is not for the faint of heart. But

this and we are still adjusting, fretting, and anx-

starting one during a global health crisis is an even

ious – or is it just me?

tougher proposition. Impressed by the courage, creativity and resolve shown by these budding

Here at the magazine, we continue to face pan-

entrepreneurs as they follow their passions, we

demic-related challenges, including supply chain

are proud to introduce you to a few intrepid baby

issues. The paper used to print this publication has

boomers (on pages 20-22) who participated in the

skyrocketed in price as shortages take hold. Where

OED program: from a budding jewelry designer to

did all the paper go? Well, among other uses, mas-

a woman committed to finding housing solutions

sive amounts have been diverted to make the

for boomers and seniors to another interested in

boxes that Amazon and other online retailers use

fostering inclusion and social action in the work-

to package the goods that arrive at our doorsteps.

place. We commend them and all the others who

Don't be surprised to see fewer pages in the maga-

stared down the pandemic and fearlessly placed

zines you read; some publishers have even had to

themselves on a trajectory of their own making.

skip issues and forego printing for now.

On a personal note, with all these references to purSo, just as we've been doing, we need to re-

pose, adaptability and resilience, you – our readers

main vigilant in feeding the inspiration, purpose,

– are a key part of contributing to my own purpose

and resilience that’s been so much a part of the

in life. So thank you for reading this magazine and

conversation and gotten us this far. While some

letting me know how important these pages are to

of us chose to retire early (the Great Resigna-

you. Serving you nurtures my creativity, provides

tion) and focus on volunteerism or family, others

inspiration,andmakesallthedi-•erencetome!

assessed their life skills and accomplishments, and created a “glide path” to retirement: more of

Thinking of you,

a transitional step than a full stop. Even others brought new meaning to their lives by dancing

Susan E. Ross

with the laws of gravity: looking up, instead of

PublisherandCertifiedSeniorAdvisor®

down; creating instead of resigning.

publisher@westchesterseniorvoice.com

westchesterseniorvoice.com

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spring 2022

Meeting of the Minds Dementia Conference 9 a.m. to 3 p.m. May 25, 2022

MEETING

Sleepy Hollow Conference Center 455 S. Broadway, Tarrytown

OF THE

MINDS

Featuring Keynote Speaker Dr. Claire Sexton Director of Scientific Programs & Outreach for the Alzheimer’s Association

DEMENTIA CONFERENCE 2022

Register at AlzDementiaConference.org This event is supported in part by a grant from the New York State Department of Health.

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AARP Tax-Aide 2022

WORTH NOTING

Westchester residents can now of the required equipment for visit roughly 20 libraries and com- remote tax prep, some sites munity centers around the county are o-•ering a “Two-Visit” model. to have their income tax returns Counselors scan your docudone by certified volunteer - ments pre onthefirstvisitand, work parers, as part of the 2022 AARP ing from those scans, do your Tax-Aide Program. returns o-•-site over the course of the next week or two. At your Most sites will be open this year, second appointment, they will but again because of COVID, print you a copy of your return, each site is coordinating with its review it with you, and have you host location to determine which sign the required pages. of several “models” might work The private not-for-profit Careers Sup best for counselors and clientele A “Drop-O-•” model is also beport Solutions has secured a grant from alike. Like last year, however, no ing o-•ered this year at some - loField Hall Foundation to help ages 55 site is permitting walk-in tax prep cations; you come in with your andolderfindajobthroughtheirJobsfo this season. papers and leave them with the Seniors program. counselors until your second apFor taxpayers who are techno- pointment: the same day or a As most of us know, preparing to find a logically comfortable and have week later to finish up the pro new job can be overwhelming for anyone – access to a computer or phone cess. This model most closely reeven more so for older job seekers. In fact, with camera and mic, as well as sembles Tax-Aide’s pre-COVID a 2020 study published by the National a printer and the ability to upload procedures,themaindi-•erences Bureau of Economic Research found that scanned documents, counselors being that appointments are repeople over the age of 40 are only about will be able to guide you through quired and you cannot wait at the setup process remotely and the site while your return is being half as likely to get a job o-•er as younger communicate with you during the prepared. Check with your library workers when employers know their age. preparation of your return. This in all cases. is the “No-Visit” model. DependBut with 34 years of experience in placing ing on COVID restrictions, some For more information and appointpeople in jobs, Careers Support Solutions sites might help you out with ments at particular sites, please call can assist with their free program to help scanning, but, after that point, re- your local library or community cenbabyboomersandseniorsfindjobs. motely as just described. ter, or check out the AARP Tax-Aide locator at www.aarp.org/money/ Any resident of Westchester, Putnam If you are less comfortable with taxes/aarp_taxaide/locations.html or Dutchess Counties who is at least 55 technology or don’t have some years old and in need of a job is eligible for the program.

Jobs for Seniors

Meeting of the Minds Director of Scientific Programs and Outreach for the Alzheimer’s Association Dr. Claire Sexton will be the keynote speaker at the Hudson Valley Chapter’s Meeting of the Minds 2022 Dementia Conference.

The event will take place from 9 a.m. to 3:30 p.m. on Thursday, May 25, 2022, at the Sleepy Hollow Hotel & Conference Center in Tarrytown.

Breakout sessions will be held on the following topics: Understanding Medicare; Medicaid and LongTerm Care Insurance; Family Dynamics in Dementia Care; Communicating Creatively; Dementia, Delirium and Depression; and Making Di-cult Deci sions. There will also be a panel discussion of legal andfinancialissues.

Register at AlzDementiaConference.org westchesterseniorvoice.com

Jobs for Seniors will: teach workforce readiness skills to attain and keep a job; provide assistance in resume preparation; help with finding job openings; ar range interviews; be available for on-thejob placement; provide ongoing support to ensure job success; and provide individual services tailored to meet the unique and changing needs of each participant – including problem solving and stress management.

For more information, contact Allison Scorca at 914-741-8500 ext. 106 or email her at ascorca@careersfp.org; www.careerssupportsolutions.org

10 spring 2022

Westmed

Now Part of Summit Westmed Medical Group has been acquired by Summit Health, which was formed by the 2019 merger of CityMD–a leading urgent care provider in the New York Metro area–and Summit Medical Group.

Summit Health now has more than 2,500 providers, 12,000 employees and over 340 locations in New York, New Jersey, Connecticut, Pennsylvania and Central Oregon.

of our patients,” said Viceroy. “By leveraging Summit Health’s expertise in coordinated, value-based primary and specialty care, the newly bolstered organization will create a uniquely accessible comprehensive care delivery model and allow us to play a greater role in the health of our communities.”

Further expansion into adjacent areas is expected as Summit Health continues to grow to meet evolving paAnthony Viceroy, CEO of tient needs. Westmed curWestmed, has been ap- rently has 13 locations in pointed President and Chief Westchester and Fairfield Operating O-cer of Summit Counties.

Health. “Westmed and Summit Health share a vision of Learn more about the practichealth care delivery and a es at www.westmedgroup.com commitment to the health and www.summithealth.com

Be Prepared Kit Wartburg has announced their “Be Prepared Kit,” addressing Advance Life Planning issues is now for sale on Amazon.com for $9.99.

The guide helps individuals and families who are facing a serious illness by providing descriptions of common situations, and needs and concerns around a diagnosis. The kit will help guide discussions with your medical team and your family.

The four sections of the kit include: Being Prepared; Being Diagnosed; Living with Serious Illness, which

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SUPER GENTLE CHAIR YOGA – ONLINE

o-•ers guidance about how to live as well as possible in different care settings (home, hospital, nursing home) and about the role of your medical team – including how to locate illnessspecific information and support; and At the End of Life, which explains the symptoms of active dying, suggests what you can do for someone who is close to the end, and guides survivors through the period after a death.

Find the kit on Amazon by searching for “advance life planning be prepared kit.” spring 2022

30 years of

11

for seniors and for those with mobility limitations or rehabilitation concerns Online benefits: Warm and welcoming classes, reduce isolation, no need to travel in bad weather

Yoga Benefits: Reduce stress, increase vitality and strength, enhance ease of movement, improve balance, flexibility, mental clarity First Group Class FREE! WEDNESDAYS & FRIDAYS, 10 a.m. – 11 a.m. ongoing enrollment For registration and further information:

Please call 914-769-8745

or email yogashine@verizon.net www.yogashine.com Teaching yoga to seniors since 1983, Vitalah Simon of YogaShine provides lots of individual attention to each student, honoring your limitations and supporting your safety.

Technology assistance provided to help you get set up for the class with your computers.

westchesterseniorvoice.com

OUT AND ABOUT

Spring Crafts at Lyndhurst

Salute #54

Westchester County’s 54th Annual Salute to Seniors event will take place on Watch demos like four Wednesdays in May, from 10 a.m. wheel-thrown potto 12:30 p.m., at four separate locatery and get creative by making tions. The Southern Westchester event your own handwill be on May 4 at Sprain Ridge Park in paintedsilkscarf!Yonkers; Central Westchester will be at Ridge Road Park in Hartsdale on May 11; Shop, lunch and Northern Westchester will be on May 18 enjoy Lyndhurst's at Croton Point Park; and, last, Glen Is67 sprawling land Park in New Rochelle will be the site acres (visitation for Southern Westchester, on May 25. is included in the

Outdoors, rain or shine, Spring Crafts at Lyndhurst returns to the historic site from April 29 through May 1 (opens at 10 a.m. each day).

Shop for one-of-a-kind gifts for Mother’s Day, Father’s Day, graduations, weddings or just for yourself! Hand craft show admisFor the second year, Salute to Seniors has made original fashions, accessories and sion fee), with its breathtaking scenic been reimagined as four smaller, outdoor jewelry; functional and sculptural works views of the Hudson River. Tours (for an events. The expo will feature music as well in ceramics, glass, metal, fiber, wood and additional fee) are available to experimixed media; and fine art painting,- print ence the magnificent Gothic mansion as information on programs, services and making, drawing and photography will all museum! products specific to Westchester Coun be on display for sale. baby boomers and seniors.

Lyndhurst is located at 635 South BroadGourmet foods, food trucks, and tastings way in Tarrytown. General admission is Reserve your spot at least one week in from local distilleries, wineries and cider $12; $11 for ages 62 and over. Free parkadvance by calling 914-218-3968. One houses will be present as well. ing on site. box lunch will be provided for each reservation. On the four Salute to Senior dates, seniors (ages 65 and older) ride free on the Bee-Line bus system.

Concerts at Caramoor

Caramoor’s 2022 Spring season, presented in the Rosen House Music Room — amid 16th-century paintings, terra cotta reliefs, and authentic Renaissance furniture — is highlighted by two outstanding pianists: Michelle Cann (March 20, pictured here) and influential jazz pianist and composer Brad Mehldau (April 14). The Grammy-nominated and consistently criticallyacclaimed Danish String Quartet performs on April 22. The exciting spring season keeps moving along with concerts from jazz vocalist Jazzmeia Horn (April 30), and blues, folk, singersongwriter Eilen Jewell (May 14).

Edward J. Lewis III, Caramoor’s new President and CEO, shares: “We’re thrilled to continue live in-person music performances with our 2022 Spring season. We’ve curated a vibrant genre-spanning program of established masters and emerging artists; education programs that mentor the next generation of musical stars; and multicultural, sensory-friendly family events that invite everyone to enjoy the music. I hope you’ll join us.”

Two-time Grammy nominated vocalist Jazzmeia Horn – winner of both the 2013 Sarah Vaughan International Jazz Competition and the 2015 Thelonious Monk Institute International Jazz Competition, and a performer in Caramoor’s 2016 Jazz Festival – gives a Music Room performance, presented in collaboration with Jazz at Lincoln Center that showcases songs of striking mu-

sicality, emotional power, and social relevance.

American singer-songwriter Eilen Jewell makes her Caramoor debut as the reigning Queen of the Minor Key. She leads a tight quartet that blends influences of surf-noir, early blues country, folk, and 1960s era rock ’n’ roll.

The Caramoor Box O-ce can be reached at 914-235 Mon days through Fridays from 10 a.m. to 4 p.m. (caramoor.org)

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spring 2022

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To better meet resident needs, we offer two distinctive “neighborhoods”— Connections and Haven. In Connections, residents are able to actively participate in daily routines and activities that help them feel safe, secure and successful. In Haven, residents require a higher level of clinical assistance and care that increase comfort and reduce agitation. In both neighborhoods, support for caregivers and families is generous and ongoing, because after all, memory loss is a family affair. Please let us share in your caregiving experience. We will make every effort to improve your loved one’s quality of life to the greatest extent possible. We will also do our best to give you time to recharge — guilt-free — so you can freely enjoy the pleasure of togetherness.

Schedule a visit or call to talk. We’re here for your family, and we’re here for you, too.

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THE HOME EXPERT

2022 Design Trends

BY STEVEN GEIGER AND ROSEMARY STERN

With so much time spent in our homes over the past two years, it wouldn’t be surprising if you’ve already reimagined some spaces. Perhaps you’ve created a more formal office setup, reading nook or simply rearranged your furniture: anything to make your home more comfortable and functional.

For those of you who haven’t yet fallen back in love with your homes and are willing to allocate some of that unused travel budget to make changes, here are some design trends to consider: WHITE WALLS Say goodbye to beiges, grays and blues.

White and o-•-white walls are back – yes, they are! White makes a room feel larger, and your artwork and other wall hangings will cream paints, be sure to paint a large color pop. White can be used in any style or age swatch on a key wall before proceeding. Use home: from a 2015 contemporary to a 1930s color – including trendy black – for door and Tudor. With so many iterations of white and window trim, or an accent wall.

Licensed Associate Real Estate Brokers

Overwhelmed by the thought of downsizing?

FIRST STOP: Choose the top team for your next move.

OUTDOOR LIVING This year is still about making the most of your outdoor space. One way to do that is to mimic your indoor space by using rugs, lighting, couches, and side tables – all under a covered patio. Embrace the outdoors as your cooking, dining and entertaining area. An outdoor heater with wheels will keep the space functional on cooler days and evenings.

MULTI-USE SPACE Create a multi-purpose space by converting that “smallish” guest room into a more functional space. Replace the bed with a Murphy bed that folds up against the wall and frees up floor space.Add casters to your desk, chair and other furniture so they can be easily moved - allowing you to use the room for yoga or another fit ness workout. Place your desk, computer and printer along the wall and add curtains to conceal them when not in use.

These design trends can add function and serenity to your home. And who couldn’tusealittlemoreofthoseth Bringing Buyers and Sellers together successfully for nearly 40 years.

Steve Geiger 914.263.5275 steven.geiger@raveis.com stevengeiger.raveis.com ONE PALMER AVE

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BALDUCCI’S PLAZA

n n n

Filomena Rosemary Stern 914.523.5437 rosemary.stern@raveis.com filomenarosemarystern.raveis.com I

SCARSDALE

I

NY

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Senior Real Estate Specialists (SRES) Rosemary Stern and Steven Geiger bring an extensive and trusted network of resources and professionals to their clients to assist in all phases of the selling and buying processes. They can be reached at 914-263-5275 or Steven.Geiger@raveis.com spring 2022

HEALTH AND WELLNESS

A Pain in the Neck (and Back)

BY DR. ANDREW CASDEN

• Discectomy, where a herniated or “slipped” disc is partially or completely removed.

• Laminectomy, where the surgeon eases pressure on the spinal cord or nerve roots by removing part or all of the vertebral bone (lamina).

• Spinal fusion. The most common involves fusing the vertebrae together to stop the problematic motion.

The number of Americans suffering from neck and/or back pain is truly staggering.

According to the National Health Institute (NHI) at Georgetown University, nearly 65 million people report a recent episode of back pain, with 16 million adults experiencing persistent or chronic back pain.

In addition, as many as 70% of adults will experience a degree of neck pain that prevents them from engaging in their daily activities during their lifetime.

MY ADVICE In addition to the mentioned preventive measures, staying well-hydrated is also important, as is trying to maintain a supportive posture. The latter can be a challenge as we age, and bad postural habits formed earlier in life – from bending over a desk, piece of machinery, or nowadays our phones – certainly will not have helped. But making a concerted effort to walk as erectly (yet comfortably) as possible can have a number ofpositivee-•ects.

As might be expected, the average occurrence of such conditions increases with age; the National Center for Health Statistics (NCHS), part of the CDC, reports the percentage of adults with back pain rises from nearly 28% for those ages 18 to 29 and 35% for those ages 30 to 44 to nearly 44% for those 45 to 64 and 46% for those 65 and older.

Back pain is a natural part of the aging process. As we get older, the standard wear and tear on our spines can result in the discs between our vertebrae drying out and shrinking. In turn, that can lead to osteoarthritis in the spine, which can cause even greater pain – including pinched nerves in the back and legs, leading to sciatica.

But not all pains are alike. Sleeping in an awkward position or lifting something unusually heavy can result in back and neck pain. Sometimes, pain can occur for no reason at all.

• Engaging in low-impact exercise like walking, sessions on an elliptical machine or exercise bike or, best of all, swimming.

MORE SERIOUS PAIN If, however, the pain continues to linger after a few weeks, it is probably time to see a physician. As is the case with most conditions, not all back- and neck-pain patients will require the same type of care. Unless the pain has become truly unbearable and is preventing you from enjoying your usual routines, physical therapy or a tailored exercise program often can be the solution.

Common solutions are: Applying • heattothea-•ectedarea.

Taking • ananti-inflammatorymedication Ultimately, however, surgery may be (as long as the individual is not already necessary. Three of the most typical taking a blood thinner). back surgeries are: spring 2022

15

And if these measures prove to be insu-cient, by all means visit a - physi cian or orthopedic specialist to discuss a comprehensive treatment plan. There is no reason to put up with such a debilitating condition when there are so many options available. n n n

Dr. Andrew Casden is Chief of Orthopedic Surgery and Spine Surgery at White Plains Hospital. He is experienced in both traditional and minimally-invasive spinal surgery.

His comprehensive approach to spinal conditions considers each patient’s lifestyle and expectations, and focuses on offering the most appropriate, personalized treatment plan for each patient. Please call 914-849-6963 to make an appointment.

westchesterseniorvoice.com

The Power of Acupuncture

BY RUBINA HEPTULLA, MD, MBA

training and experience.

Some insurances require physician acupuncturists to supervise the sessions.

Acupuncture is an over 5,000-year-old Eastern medicine practice that originated in China. It has also been long-used in Japan and Korea, with each of these societies employing their own unique method to help patients recover from disease and/or alleviate disabilities.

WHAT ARE THE SIDE EFFECTS? Unlike medications which have long lists of side effects, acupuncture has very few side e-•ects. Needles are sterile packaged as single use and disposed thereafter, making infections caused by acupuncture needles extremely rare.

Acupuncture uses extremely thin needles to stimulate certain points on the body’s meridians to reduce pain and activate antiinflammatorye-•ects,andpromotehealing.

IS ACUPUNCTURE PAINFUL? Contrary to common belief that needle pricks cause pain, acupuncture needles aredesignedverydi-•erentlythaninjection needles that deliver medications or extract blood. Acupuncture needles have no inThere may be soreness, ternal lumen (canal); hence, they are exmild bleeding or bruising at tremelyfine.Theyalsorollaroundvessels the site. If one is pregnant, so as to not puncture veins and capillaries the patient should inform Dr. Rubina Heptulla with a patient as other needles are intended to do. Some the acupuncturist to ensure acupunctureneedlesaresosmalland fine certain points are avoided musculoskeletal pain, and worker’s comthat they are barely felt when inserted. pensation covers certain acupuncture ben- so as not to induce labor. Acupuncture helpful for back pain during efits. Insurance verifications doneis by extremely you IS ACUPUNCTURE EFFECTIVE? or your acupuncturist can help you deter- pregnancy but care must be used.

Acupuncture has been shown to be very mine if you are covered for these services. e-•ective for pain management, particu WHAT CAN YOU EXPECT AFTER larly back pain. Throughout the world, HOW MANY VISITS ARE NEEDED? AN ACUPUNCTURE SESSION? patients also use acupuncture as an an- Many patients with painful conditions or Most people feel relaxed or energized esthesia alternative, particularly for preg- even lack of sensation caused by nerve after an acupuncture session. This denant women with labor pains. pends on which points were used to actidamage may benefit from acupuncture.

The number of treatments needed var- vate the body. If you would like a relaxing WHAT CONDITIONS CAN BE ies from person to person. Acute pain acupuncture session, you can ask your TREATED WITH ACUPUNCTURE? management treatment is more acupuncturist for that at the start of the - e•ec Conditions that acupuncture addresses in- tive with acupuncture rather than long- session. Not all patients respond to treatclude: back pain, neck pain, shoulder pain, standing problems. Plan on at least 10 to ment with acupuncture. Go with an open knee and ankle pain, carpal tunnel syn- 12 treatment sessions, done over four to mind to healing and use the time when drome, migraines and headaches, insomnia, six weeks, to see improvement. If, after needles are inserted to meditate and nausea and vomiting from chemotherapy, 12 sessions, no benefits are seen, other focus on your breath without judgment. allergies, constipation, menstrual cramps, approaches should be considered. Acu- Meditation plus acupuncture can do wontinnitus, dental pain and labor pains. puncture treatment, along with physical ders for pain management. Pain reductherapy and chiropractic care, in certain tion may not occur right after the session IS ACUPUNCTURE COVERED but may be noticed 24 to 48 hours later. cases, has an overall benefit for - muscu

BY MEDICAL INSURANCE? loskeletal disorders. n n n In 2020, Medicare approved the use of Rubina Heptulla, MD, MBA is President of Millenacupuncture for treatment of chronic low WHO CAN PERFORM nium Medical Physical Therapy, Rehab, a comback pain, allowing 12 to 20 visits. Many ACUPUNCTURE? prehensive rehabilitation facility located at 1075 private insurance carriers also cover acu- Acupuncture should only be done by a li- Central Park Ave. in Scarsdale; 914-472-2700; puncture treatment for back pain and other censedacupuncturistwhohashadsu-www.mmrclinic.com cient westchesterseniorvoice.com

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spring 2022

Honey: How Sweet It Is!

BY DARYL MOSS

As already mentioned, raw honey is an antioxidant, antibacterial and helpful for healing wounds. Honey is also antifungal, meaning that honey has all sorts of medicinal properties, used both internally and topically.

A roughly 8,000-year-old cave painting in Spain shows a person climbing a ladder to collect honey from a hive, illustrating that humans have been using this sweet treat since ancient times. Egyptian hieroglyphs even show both honey and beekeepers.

Hives and honey had many uses: from culinary to healing to monetary.

Manuka honey, used topically, has been shown to be especially e-•ectiveforwounds, - ro sacea, acne, chapped lips, skin irritations, and dry skin care.

Real Manuka honey comes from the bees that pollinate the Manuka bush, which grows primarily in New Zealand. New Zealand is on the other side of the world so, naturally, Manuka honey is much more expensive than local honey. Unfortunately, some of the products are also adulterated. The best way to tell if it is real is to check the label for a UMF rating.

Fast forward to the present. Although honey is no longer used as currency, it is a wonderful sweetener, and its healing properties are no longer an old wives’ tale. Science has shown honey to have antibacterial properties and the nutrients. Pasteurization does, howis also considered an antioxidant, due to ever, keep the honey in a liquid state and the amazing variety of nutrients contained prevents it from fermenting. Depending within. And research is ongoing to see on the company, some honey has added how honey may help in fighting certain ingredients, such as high fructose corn cancers and other conditions. syrup and hidden chemicals. None of these should be part of your diet.

To be clear, we are not talking about honey that comes in little bear-shaped contain- For at least the past 10 years, there ers. Rather, we are referring to raw - unfil have been reports of imported honey be- Even with all these amazing properties in tered honey, ideally sourced from the bee- ing found to have dangerous chemicals. raw honey, it is still a form of sugar. We keeper. Many beekeepers sell their honey Honey is big business and, according should eat only a small amount each day. at farmers’markets and you can also tofind a recent article in Insider.com, honey raw honey, clearly labeled, in health food is the third most faked food in the world. WARNING: Anyone allergic to bee stings stores and some supermarkets.

An additional problem is that many of the needs to be very cautious when using fake honey exporters put fake labels on honey, as there is a possibility of reacting At this point, it’s only fair that I disclose the jars so we, as consumers, might not to the pollen in the honey.

I am a huge proponent of eating whole be able to tell what we are buying. Yet n n n foods, which are as close to their origi- another reason to support your local beeDaryl Moss, a Certified Holistic nal form as possible. The challenge here: keepersandpurchaserawhoney!

Health Coach, specializes in workmost honey purchased in a grocery store ing with people who have digestive is not a whole food. It has been adulter- If you have ever had raw honey, direct disease, helping them live their ated and, in that process, lost much of its from a local beekeeper, you will know that healthiest and best lives without the nutrient value. the taste is di-•erent from what comes out pain, discomfort and embarrassof those little plastic bears. And, all raw ment that comes with those conditions. She What happens? Most of the honey found honey does not taste the same; it varies works one on one with clients over the phone or in your local supermarket has been ultra- depending on what plants the bees are via Zoom or Facetime. Visit her website at www. filtered or pasteurized, and the pollinating. heating It can be fun to do a blind taste missiontowellness.com; 914-468-4604 or Daryl@ processinpasteurizationkillso-test many • ofandfindyourfavorite. missiontowellness.com spring 2022

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LEGAL TALK

Planning for the Newly Retired

BY LAUREN C. ENEA, ESQ

(72). That being said, your monthly in- and can no longer manage your a-•airs. come needs may require distributions In addition to avoiding probate, an Irrefrom these accounts early. This decision, vocable Medicaid Asset Protection Trust along with your Social Security and pen- can be used for Medicaid Planning. sion elections, should be reviewed with yourfinancialadvisor,planadministrator 4. Engage in long-term care planning.

But the milestone of retirement is also a or perhaps an individual who specializes Engaging in long-term care planning will good time to make sure your finances, in optimizing Social Security and retire- help you determine if and how you’ll be beneficiary designations, estate planning ment elections. able to pay for the cost of your long-term and long-term care strategy is in proper care, in the event you need assistance order. Here are some items to consider: in your home (a home health aide) or in 3. Meet with an Estate Planning an assisted living residence or nursing and Elder Law Attorney.

1. Create an inventory of your assets, Ensuring your estate planning docu- home. Paying for long-term care can be accounts, safe deposit boxes, retirements are updated is crucial during this done in a variety of ways: by using your ment accounts, beneficiary designanext chapter of your life. You will want life savings; using long-term care insurtions and digital assets. to designate an agent to make medical ance, or taking steps to become eligible Creating an inventory of all your assets decisions for you in a Health Care Proxy, forMedicaidbenefits.Havingaconver sation with an Elder Law attorney may will not only help when working with a alongwithanagent(s)tomakefinancial financial advisor or estate planning - decisions at for you in a Power of Attorney, be beneficial to determine what you torney, but will also be invaluable to your in the event you are unable to make said exposure to the cost of your long-term family and/or spouse in the event you decisions yourself. Your Last Will and care is, and what steps you can take to are unable to handle your own finances Testament and, if you prefer, a Revoca- minimize that exposure. or pass away. ble Living Trust should be created or upn n n dated to ensure you’ve taken advantage Lauren C. Enea, Esq. is an Associate at Enea, Scan2. Review your monthly income needs of all estate planning options available to lan & Sirgnano, LLP. She concentrates her practice and create a budget for your expenses. you and have properly named the ben- on Wills, Trusts and Estates, Medicaid Planning, Special Needs Planning and Probate/Estate AdminThe most obvious impact of retirement is eficiaries, executors and/or trustees in istration. She believes that it is never too early or too probably to your income. Make sure you accordance with your wishes. late to start planning for your future and she enjoys have reviewed and made any necessary working with individuals and families to ensure that Social Security and/or pension elections, If your assets are held in a revocable and/ their estate and long- term care plan best suits their and determined the Required Minimum or irrevocable trust, a probate proceed- needs. Ms. Enea is on the executive committee of the New York State Bar Association (NYSBA) Elder Law Distributions (RMDs) you must take from ing will be avoided upon your death. A and Special Needs Section and is also the Co-Editor your retirement assets (IRAs/401ks). trust can also allow for ease of transition of the NYSBA Elder Law and Special Needs Section Qualifiedmoniestypicallydonotrequire to those you want handling your a-Journal.

•airs She is admitted to practice law in New York the RMD be taken until age seventy-two in the event you become incapacitated and Florida. She can be reached at 914-948-1500.

Congratulations on your retirement! You finally have time to work on your bucket list: traveling, spending more time with family and friends, taking up a new hobby, volunteering for a worthy organization. All great endeavors.

What steps have you taken to protect your life savings from the cost of long term care? . Elder Law . Asset Protection . Medicaid Applications (Nursing Home/Home Care) . Guardianships (Contested/Non-Contested) . Wills, Trusts & Estates WHITE PLAINS

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SOMERS

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WWW.ESSLAWFIRM.COM

Contact LAUREN C. ENEA, ESQ. westchesterseniorvoice.com

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. 914.948.1500 spring 2022

Growing Hydrangeas

BY ROSEMARY BLACK

With their splashy bright colors and big, puffy blooms, hydrangeas are one of summer’s signature flowers. They are also a low-stress choice for home gardeners looking to embellish their garden next spring. Since they bloom right into the fall, they are an excellent option if you want to hang on to a little bit of summer.

“We sell a lot of hydrangeas,” says Nancy DeCrenza, who owns Pinesbridge Nursery in Ossining with her husband Bobby.

There are so many varieties and heights to consider. If you choose the tree form, don’t plant them in an area where they will block your windows as they grow, advises Nancy.

chester County, in Elmsford. “Florist hydrangeas may not be hardy, so check with the nursery,” she cautions. “Hydrangea arborescens (wild hydrangea) and H. quercifolia (oakleaf hydrangea) are among the many varieties that are available and the color is really a matter of personal choice,” she says.

In terms of hardiness, Eric explains, “Hardiness in horticultural speak means winter survivability: when a plant can survive at an average winter temperature of 10 degrees.

Hydrangeas will survive a winter, and they also tend to have a long bloom window.”

avoid watering in the afternoon or evening and on cloudy or windy days.”

HOW TO TAKE CUTTINGS Take a cutting from a branch of the hydrangea shrub that is five or six inches long, recommends Amy. Many experts agree the cutting will work best if taken from a branch that did not flower during the past year. Remove the lower leaves of the bottom two leaf nodes (the node is where the leaf comes out of the branch), Next, cut the largest leaves down so they are about half their size. Dip the cuttings into rooting hormone (an optional step) and insert them into damp vermiculite. Water the cuttings and let them drain. The soil should be moist but not soggy. Next, cover the cuttings and pot with plastic, making sure to keep the plastic away from the leaves to improve air circulation in the humid chamber. To help with this, you can add stakes.

Hydrangeas also do very well at the seaNot sure which variety to plant? “One of shore. “They like the ocean and the salt the most popular and easiest hydran- air,” Nancy says. geas to grow is Endless Summer,” says EricCio-ofHardscrabbleFarmsinNorth WHEN TO PLANT AND Salem. “The traditional older varieties will WHEN TO WATER bloom on old wood,” he explains. “But the Spring is a great time to plant hydrangeas, Endless Summer has been hybridized so Cio-says.Butbesuretokeepupwiththe HOW TO REPLANT HYDRANGEAS that the previous season’s growth – the watering because as summer grows closer, Wait for dormancy to replant. “Dig it up old wood – can produce flower buds. they can easily dry out. You can also plant when it is already asleep,” Nancy recomIt blooms on old and new growth and it them in the fall, but avoid planting hydran- mends. “Start replanting in March or April. blooms right into the fall.” geas in the summer.

Just don’t replant in the summertime when it is hot. June is okay but touchy. Or you In terms of color, blue is the most popular, When you do plant them, leave enough could replant in the fall.” although pink is right up there, according space between them for adequate air cirto Nancy. “We carry one that is white and culation, Eric recommends. Water them Whenever you choose to plant hydrangeas, pink, too,” she says. “Then we have anoth- every day in the summer, but be careful not this is one gorgeous choice that will provide er lace cap hydrangea that is almost irides- to overwater. color and cheer for months at a time. cent. There are lots of choices.” n n n The best time to water is between 4 a.m.

Rosemary Black, a mom of seven and a If you aren’t sure which to plant, check and 8 a.m., says Amy. Evaporation is low resident of Pleasantville, writes frequentwith your local nursery, recommends Amy during this time so more water is absorbed ly on health, nutrition, parenting and Albam, a community horticulture educator by the soil. Leaves will dry quickly once food. She is author of six cookbooks including TheMarleyCo-•eeCookbook. at Cornell Cooperative Extension of West- the sun rises. Amy further advises, “Try to spring 2022

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ANNE WILSON

Meet These

LAUNCH1000 Entrepreneurs

BY DONNA MORIARTY

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spring 2022

Out of the hardships of the pandemic, bursts of entrepreneurial passion emerge...

In the summer of 2020, as the world was defending itself from the sucker punch delivered by COVID-19 and just coming to grips with its implications, a team from the Westchester County Office of Economic Development, led

by Deborah Novick, Director of Entrepreneurship and Innovation, sat down to develop a program to offset the encroaching unemployment catastrophe.

“We knew thousands of people were going to lose their jobs and would face hard choices,” says Novick.

The result of that sit-down was Launch1000, an online program to guide and support up to a thousand Westchester residents in launching a home-based income stream or new business. The program, which included access to business knowledge, mentorship, resources and grants, guaranteed participants a shot at turning their idea into a viable business within six months.

In the fall of 2020, the OED began accepting applications from any county resident over the age of 18 willing to commit the time and effort to completing the virtual selfstudy program. “We had participation from every age group from 20 to 77, and education levels from sixth grade to Ph.D.,” says Novick.

If participants lacked a computer or internet connection, one was provided. They didn’t even need a fully formed idea, just the motivation to go after their dream. 







their personal stories to create empathy in the workplace. “These days,” says Pagnotta, “empathy is sorely missing.”

Pagnotta joined the first Launch1000 cohort and began developing her business idea.

Peer feedback and coaching helped her zero in on the market for an app that could foster workplace cooperation as well as the features that would o-•er the most value. Within a few months, she had secured a beta [test] partner and an app developer. By June, she had a functional prototype and a name: ULUStory. Pagnotta proudly shares the product’s catch phrase: “Your stories, your voice.”

“What sets ULUStory apart from other D&I [diversity and inclusion] and engagement tools is that we have powerful, demonstrable evidence that it works. Plus, it’s fun, creative and focuses on commonalities, not di-•erences,” says Pagnotta. She is heartened by the range of individuals and organizations expressing interest, including two colleges and the county government. “We’re looking for early adopters to introduce the tool in a meaningful way. We’ll be tracking results to learn how it’s helping to resolve conflict, reduce lawsuits, and improve employee retention.

That’s the needle really moving.” 







On a visit to the Thimble Islands, Anne Wilson watched as two women sat at a table shaded from thesun,theirhandsflyingasthey crafted jewelry. Captivated by the vivid colors and sparkling beads, Wilson made a promise to herself.

“I said, I’m going to learn how to do that. And I did.”

Deborah Pagnotta has worked at many trades: employment lawyer, college professor, workplace trainer, storyteller and more. But in May of 2020, she found herself at a crossroads: about to turn 65 and without a job. After spotting the notice for Launch1000 on her phone, she hit on an idea to combine two of her strengths—story- For years, Wilson crafted jewelry tellingandconflictmanagement— from pearls, Murano glass, crysto create an engagement app to tals, and gemstones that she either help employees craft and share kept or gave away as gifts. Somespring 2022

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DEBORAH PAGNOTTA

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times,she’dfulfillrequestsfor a wedding or special gift, but rarely charged more than the cost of materials. During the pandemic—on lockdown, isolated and unable to purchase supplies—Wilson heard about Launch1000. From the getgo, she had only one project in mind: to make and sell her own line of high-end jewelry.

specialists and other advisors and has her eye on a club-like property in Westchester that she hopes to open this year. 







As graduates of the inaugural Launch1000 program continue to spread their wings and report on their progress, a participant survey is providing valuable intel for future planning. “In our first year we-en rolled a diverse group in every sense: race, age, education, language spoken at home,” Novick recounts. Seventy percent reported feeling confident they could live on the income from their new enterprise, even though more than 60 percent had never owned a business before. Among those who completed the program, close to $2 million in sales are projected for 2022.

At first intimidated by the “magnificent ideas” others were working on, from sickle cell research to food pantries in food deserts, Wilson soon warmed to the encouragement o-•ered by her peer group. Today, Wilson no longer gives away her talent or her product for free. Her business, Mimi Blackstone Signature Collection (the alluring name emerged while brainstorming with her four grown children, who also helped creBut the stats tell only part of ate her website), is beginning the success. “One of the bigto grow. “If you want to start a gest benefits was the-unex VICKI JIMPSON-FLUDD business, you can do it, at any pected relationships that were age. There’s all this help out formed by this great mixing of there,” she enthuses. people from every zip code in the counJimpson-Fludd’s early e-•orts to get her ty,” says Novick. These connections, she     projecto-•thegroundmetwithfrustration.

For years, Vicki Jimpson-Fludd owned a She couldn’t seem to any gain traction with predicts, will have long lasting bene small management consulting business in venture capitalists who, she believes, dis- for the community and the Westchester economy. “Whenever people break out of Germany. These days, she presides over missed her idea for reatheir own little world, there’s a chance to the board of a 60-member, sons of gender, age, and semi-professional commu- HOW TO CONNECT WITH lack of real estate expe- broaden each other’s horizons.” nity orchestra as a full-time THESE LAUNCH1000 rience. When she heard Would the program have achieved the volunteer. “There are a lot ENTREPRENEURS: about Launch1000, she same result without the pandemic? of women like me: semi-rerevisited Our Place in Novick is philosophical. “People faced tired and interested in many Vicki Jimpson-Fludd Westchester with rewith losing their jobs are often forced to try things that will help them live Our Place in Westchester newed hope. All she their best life,” she says. www.ourplaceinwestchester.com needed, she believed, something new that they might not have felt competent enough to try before,” she 914-410-015; was some sound busiposits. In fact, she says, any significant After returning to the States, info@ourplaceinwestchester.com ness advice and a few economic disruption is typically followed introductions to the right she explored shared housby a burst of entrepreneurship. “We knew Deborah Pagnotta people. ing, a model she’d seen in this would be a great opportunity for a lot ULUStory Germany. Her concept, Our of people. For many, they had nothing to www.interfacet.com Place in Westchester, ofHer initial conversations lose and everything to gain.” info@interfacet.com fers an appealing scenario: with Deborah Novick a small, upscale communibroke the logjam. “She n n n Anne Hayes Wilson ty of active, single women, put me in touch with the Donna Moriarty is a lifelong writer, editor Mimi Blackstone age 50 and over, seeking people I needed to know,” and author who writes about education, Signature Collection shared accommodations says Jimpson-Fludd. wellness, and personal development. www.mimiblackstone.com with like-minded women As she nears compleShe and her husband are Ossining resi914-200-2365; who want casual compantion of the Launch1000 dents, with three grown children and ahwilson@hotmail.com ionship without sacrificing program, she is working two elderly dachshunds. Learn (and their independence. with a team of real estate read) more at www.silversmithwriting.com westchesterseniorvoice.com

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spring 2022

Seniorr Living Senio GETTING TO KNOW

Communities

PHOTO: COURTESY OF WOODLAND POND AT NEW PALTZ

Getting to Know

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100 Redding Road, Redding, CT 203-544-1000

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www.MeadowRidge.com

Located in Redding, CT, Meadow Ridge is a distinctive retirement community for discerning individuals seeking a fresh perspective on senior living. Our scenic landscape provides 136 acres nestled among rolling hills, natural woodlands and open meadows for the best of Connecticut country living, located close to all conveniences.

From the time you walk in the door and see our stunning three-story atrium, you will know you have found a retirement lifestyle experience like no other. The luxurious refinements continue with apartment homes that are well appointed and generous, more so than any other community in Connecticut.

Floor plans are available in one- and two-bedroom styles with or without a den and range from 850 to 2,600 square feet.

Premium finishes, patio or balcony, fireplaces, crown molding, stone countertops, high-end appliances, custom closets and fully monitored call systems are just a few of the little extras that come standard in every home.

Meadow Ridge offers world-class amenities, gourmet dining experiences and an abundance of weekly programs. Do laps in the indoor pool, pamper yourself in the salon or walk your dog on one of the many lush walking trails on our sprawling campus.

Whether you enjoy a life of constant activity or something a bit more laid back, everything you desire is available here. Plus, you can rest easy knowing our Lifecare offering gives you on-campus access to exceptional care across the continuum, even if you or your partner’s care needs change in the future.

We invite you to visit our campus and learn why Meadow Ridge offers a senior living experience that rises above the rest. Take a private tour, have lunch in the bistro, engage in conversation with residents and receive a thermos of our chef’s exquisite butternut squash soup to go at your next visit.

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SPONSOR CONTENT

Meadow Ridge

Senior Living Communities

Experience an elevated lifestyle at Meadow Ridge.

All your life, you have looked for experiences beyond the ordinary.

Retirement living should be no different. At Meadow Ridge, you’ll enjoy a distinctive lifestyle, with refinements such as luxurious apartment homes, gourmet cuisine, impeccable service and exquisite amenities.

See the world from a higher perspective.

To schedule a tour, call 203-587-8437.

100 Redding Road | Redding, CT 06896 | MeadowRidge.com | Find us on Independent Living | Assisted Living | Memory Care | Skilled Nursing & Rehabilitation Managed by Benchmark Senior Living

Getting to Know

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One Wartburg Place, Mount Vernon, NY 10552 914-699-0800 www.Wartburg.org Wartburg is unlike any retirement community you have ever seen before. We believe that the quality of life is as important as the quality of care. Wartburg’s gated, lush 34-acre campus with 24-hour security is tucked behind a quiet residential neighborhood near the Mount Vernon-Pelham border. Since its beginnings as an orphanage over 150 years ago to the awardwinning, comprehensive older adult care community, Wartburg offers a gold standard of living and care options.

Safety is always a priority at Wartburg.

As we emerge from the shadow of COVID-19, Wartburg observes all federal and state mandated protocols to protect the health and safety of our staff and residents. We remain vigilant and dedicated to creating a community of care where seniors can avail themselves of the benefits of an urban lifestyle in a park-like setting, with the peace of mind that comes from knowing there is a team ready to help them as their needs change.

Whether you need temporary assistance or ongoing services, Wartburg has the support you need to live independently for as long as possible in a community that cares. We offer everything from independent senior living and assisted living options to nursing home facility. We also offer adult day care, palliative care, hospice care, and respite care. If you live independently but require assistance, we offer in-home support for your daily needs, and can also provide rehabilitation and skilled nursing services.

At Wartburg, you can age in place gracefully - secure that your health and safety are our priority. At Wartburg, you can live your best life.

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spring 2022

SPONSOR CONTENT

Wartburg

Senior Living Communities

Meadowview Assisted Living Makes Life Easier and More Rewarding

Meadowview’s priorities have never been more certain. We focus on quality care and service as well as resident protection measures, including testing, screening and the highest level of infection control standards as directed by our registered nurse and medical staff.

We are currently offering virtual tours and Zoom meetings with key staff as a way to explore Meadowview. We have revised move-in protocols including a 14-day initiation period.

You’ll enjoy: • Your new home located on a beautiful 34-acre campus with a full continuum of care • Recent $1 million renovation • Three meals a day • 24/7 concierge and on site nursing with physicians on call • Housekeeping and laundry services • Creative Aging, Music Therapy and Advance Life Planning programs • Special Memory Care Neighborhood for those with special needs • And much more!

Ask about our Friend/Family Referral Promotion and our Short Stay Program.

Please call (914) 513-5178 to speak to our experienced move-in coordinator or visit wartburg.org

INDEPENDENT LIVING ❘ ASSISTED LIVING ❘ ALZHEIMER’S/DEMENTIA CARE ❘ NURSING HOME ADULT DAY CARE ❘ HOME CARE ❘ INPATIENT REHABILITATION ❘ OUTPATIENT REHABILITATION HOSPICE CARE ❘ CAREGIVER SUPPORT ❘ SPIRITUAL CARE spring 2022

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Getting to Know

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101 Theall Road, Rye, NY 10580 888-9-OSBORN

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www.TheOsborn.org

Although The Osborn is often associated with its gorgeous classic architecture and modern amenities, today’s residents are just as concerned with safety and staying connected in this era of COVID-19. The Osborn prides itself on offering an active, engaged lifestyle even during these unprecedented times. Residents can enjoy gourmet meals, physical activity such as socially distant walks, golf on an outdoor putting green, fashion shows, outdoor dining, concerts, and even modified visitation with family, all while adhering to CDC and New York State Department of Health protocols.

Residents are drawn to The Osborn for many reasons. For some, it may be the gorgeous 56-acre campus that is meticulously manicured and graced with more than 100 varieties of trees. Others enjoy the fine dining, movies, and other activities. Many residents move to The Osborn for an independent living residence. They enjoy peace of mind, knowing that should their needs ever change, they don’t have to leave The Osborn campus. As a continuum of care community, The Osborn offers Independent Living, Assisted Living, Home Care, Memory Care, Short-Term Rehab, Long-Term Care, and Outpatient Rehabilitation.

Opened in 1908, The Osborn is a non-profit organization and one of the most well-known senior living communities in the area. At a time in which new communities are opening at a record pace, people are looking for an organization that has demonstrated longevity, financial security, and a proven track record of excellence. All of these are found at The Osborn in a safe, secure environment. Sterling Park, The Osborn’s independent living community, offers a 100% refundable entry fee for apartments and spacious, single-story garden homes. The Osborn also offers attractive rental options. The community provides various levels of care on its Rye campus, giving residents an exciting, engaged lifestyle now and options for the future.

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spring 2022

SPONSOR CONTENT

The Osborn

Senior Living Communities

THE OSBORN PROVIDES

A Safe Environment, Engaged Lifestyle and the Opportunity to Live Your Best Life LIVING OPTIONS THAT FIT YOUR LIFESTYLE: INDEPENDENT LIVING Entry fee and rental living options for active seniors

HOME CARE Available in your private home or on The Osborn campus

ASSISTED LIVING HeIp for those who need it but wish to be independent

MEDICAL REHABILITATION Highly rated in-patient and outpatient rehab at The Osborn Pavilion

MEMORY CARE Award-winning homelike environment for those with dementia

LONG-TERM CARE Long-term skillled nursing care on campus in our 5-star rated Pavilion

(888) 9-OSBORN Options for Living!

101 THEALL ROAD | RYE, NY THEOSBORN.ORG

The Osborn is a not-for-profit 501(c)(3) charitable organization accredited by CARF. The Osborn adheres to CDC and New York State Department of Health protocols regarding COVID-19

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Getting to Know

Woodland Pond at New Paltz 100 Woodland Pond Circle, New Paltz, NY 12561 www.WoodlandPondNP.org

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845-256-5521

Woodland Pond is a not-for-profit, premier Continuing Care Retirement Community (CCRC), nestled beneath the shoulder of the breathtaking Shawangunk Ridge, tailored exclusively for those aged 62 and older and catering to a diverse group of accomplished individuals with varied interests and a zest for life. Celebrating its 12th anniversary, Woodland Pond has been home for more than 1,500 retirees and remains the only CCRC in the upper-Hudson Valley. Its Life Care program allows residents to enjoy retirement in an inspiring and supportive environment, with access to a full spectrum of the highest rated supportive care options, if ever needed.

Woodland Pond has earned the coveted 5-star rating for Medicare and Medicaid Services annually since 2014 and is the nation’s only CCRC to be named a leader in LGBTQ Equality by the Human Rights Campaign since 2018.

Why Woodland Pond? Our mission says it best. “Opportunity. Care. Connections.” Three simple words that say so very much about what life at Woodland Pond provides. Woodland Pond builds on a set of simple, fundamental values to ensure that the lives our residents lead are rich and fulfilling—personal engagement; communication and transparency; accountability for our actions and responsibility for our choices; person centered care; a commitment to actively fostering personal growth.

Pictured: Woodland Pond Staff and Residents

Woodland Pond offers all of this in a safe environment of dignity, honesty, ethical integrity, inclusivity, and respect. And all of this is enlivened by the natural beauty and cultural richness of the Hudson Valley. The residents, staff, family, and friends of Woodland Pond embrace life, and show everyone that crosses their thresholds exactly what it means to be experiencing retirement at its best. westchesterseniorvoice.com

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Senior Living Communities

THE RETIREMENT LIFESTYLE YOU DESERVE

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100WOODLAND WOODLANDPOND POND CIRCLE CIRCLE • NEW 100 NEW PALTZ, PALTZ,NY NY12561 12561 845.256.5521 • WWW.WPATNP.ORG 845.256.5521 WWW.WOODLANDPONDNP.ORG spring 2022 31 westchesterseniorvoice.com

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Getting to Know

The Greens at Greenwich

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Maria Scaros, Executive Director: mscaros@thegreensatgreenwich.com 203-531-5500 www.TheGreensAtGreenwich.com About Us The Greens at Greenwich is a small privatelyowned assisted living community for people living with memory impairment. We have been recognized by the Connecticut Assisted Living Association and the Alzheimer's Association as a trusted leader in providing excellence in memory care. We distinguish ourselves by providing the creative arts therapies, known to be the new best medicine in dementia care, with our licensed creative arts psychotherapists. In a world where everything is bigger, we are big in care and small in size.

Our philosophy is to work daily with each resident to celebrate their strengths and find joy, dignity, and purpose in their new normal.

Our People and Our Home The Greens provides an intimate relationship with each resident, their family, and each member of the staff. Executive Director Maria Scaros is a clinician as well as an educator and administrator, and is personally involved in each resident's care. Family Zoom meetings, monthly continuing staff education, licensed creative arts psychotherapists, a warm inviting atmosphere and a staff with extraordinary longevity are key features of what makes us different.

Excellence in Dementia Care We have been awarded “The Purple Flag,” a designation offered by the Connecticut Assisted Living Association, for exceptional leadership in the care of persons with memory impairment. We are unique in the way in which we honor our residents. Our passion is to guide your loved one through their individual journey helping them to develop coping skills and a sense of purpose and joy related to their new normal. We are always adapting our programs and activities as people change and understand their world differently. Community partnerships are an integral part of our philosophy of care and include intergenerational community groups, universities, businesses, and museums.

Discover The Greens at Greenwich Difference. We are your silver lining and the best care for your loved one with memory impairment.

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Senior Living Communities

D I S C OV E R T h e G r e e n s mind | body | spirit

The Greens is recognized as a leader in the use of the creative arts therapies to care for the mind body and spirit of individuals with memory impairment. Facilitated by licensed creative arts psychotherapists these programs go beyond painting and singing. The universal language of the arts communicate beyond words and across culture. Music awakens the brain.

Dance enlivens the body. Art increases self-expression. Drama engages the stories within.

Residents find joy, dignity and self-expression.

The Greens at Greenwich has been recognized for their excellence in dementia care and has been awarded accreditation by the Connecticut Assisted Living Association and the Alzheimer’s Association as a Purple Flag community. Schedule a tour to find out more about why these programs are the new best medicine for memory care.

Schedule a Tour Today Maria Scaros, Executive Director | 203.531.5500 | mscaros@thegreensatgreenwich.com thegreensatgreenwich.com

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Getting to Know

The Knolls - A Bethel Community 55 Grasslands Rd., Valhalla, NY 10595

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914-461-4517

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www.TheKnolls.org

The Knolls, a unique senior living community nestled in the heart of Westchester, offers its residents a life that they are already comfortable with: cozy, inviting and surrounded by friends. Our casual atmosphere allows residents to “come as they are” and enjoy the stress-free living that only a Continuing Care Retirement Community (CCRC) can offer.

Included maintenance, housekeeping and meals means that the only thing you’ll have to worry about is finding time to enjoy all of our community’s curated activities: whether exercising in our fitness center, enjoying a film in our theater or simply relaxing in our heated indoor pool.

The Knolls is sponsored by Bethel a local nonprofit, which has over 100 years of service to the seniors of Westchester County. Learn more at www.TheKnolls.org or contact us at 914-461-4517.

Relax. Reinvent. Retirement.

If you’re ready for more, The Knolls is ready for you.

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More authenticity – come as you are and be who you are

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More comfort – bright, spacious, maintenancefree apartments

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More amenities – live your best life

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More peace of mind – a secure plan for your future

Call 914-821-6552 to set up your personal visit today.

55 Grasslands Road | Valhalla, NY 10595 | TheKnolls.org

The Knolls is a Continuing Care Retirement Community (CCRC) sponsored by Bethel.

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Senior Living Communities

SPONSOR CONTENT

Getting to Know

Senior Living Communities

Bethel's Springvale Inn & The Pines

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The Springvale Inn 62 Springvale Rd., Croton-on-Hudson, NY 10520 914-739-4404 www.BethelWell.org The Pines 19 Narragansett Ave., Ossining, NY 10562 914-941-7300 www.BethelWell.org Bethel, a proud not-for-profit since 1911, offers many options for seniors through their Continuum of Care. Bethel provides affordable senior living options at The Springvale Inn: an assisted living residence for seniors who enjoy a worryfree lifestyle. Residents enjoy three meals a day restaurant-style dining, computer enabled library, game room and fireplace lounges—and they’re just a glance away from finding something to their liking on our daily activity calendar. Clinical services are available on site 24/7.

The 50-apartment Pines is for independent living seniors and offers three meals a day, weekly housekeeping and a number of amenities as part of the affordable monthly rent. A “no-frills” rent-only option is also available.

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Finding Solutions Together At the Heart of Senior Living  Home Care  Adult Day Services  Independent Senior Living  Assisted Senior Living  Continuing Care Retirement Community  Sub-Acute and Outpatient Therapy  Skilled Nursing & Rehabilitation

914-739-6700

The Only Not-for-Profit, Full Continuum of Care in Northern Westchester

Ossining - Croton-on-Hudson - Valhalla bethelwell.org

Serving the Community for Over 100 Years spring 2022

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Getting to Know

The Chelsea at Greenburgh

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715 Dobbs Ferry Rd., Greenburgh, NY 10607 914-275-0010

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www.ChelseaSeniorLiving.com

Chelsea Senior Living's newly completed Chelsea at Greenburgh is a luxury senior living residence that combines state of the art design and a warm and inviting aesthetic.

Modern amenities like a café/bistro, club room, art studio, salon, sports lounge, theater, fitness/rehab room, and a beautiful dining room to enjoy all meals deliciously prepared by our Executive Chef.

The Chelsea at Greenburgh offers specialized services for residents with enhanced care needs and for those that require memory care. These services allow our residents to age in place in a beautiful homelike setting. Our Lifestyles team provides a full calendar of events and activities for our residents each day.

Chelsea Senior Living operates 22 senior living communities in New York and New Jersey. The Chelsea brand has been associated with superior senior housing and care for over 30 years. *More information can be found at chelseaseniorliving.com or by calling 914-275-0010.

Are you ready for a little peace of mind? We can help.

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SPONSOR CONTENT

Senior Living Communities

MEDICAID ADVISOR

The Medicaid Quiz

BY COLIN SANDLER Stop. Before reading on, take the true/ false quiz to the right to learn what you know (or don't know) about Medicaid coverage for long-term care needs.

Then compare your responses to the answers below:

TRUE or FALSE? 1. I can own my home and still qualify for Medicaid at-home care.

minimum distribution (RMD) to shelter the asset (even if it is a Roth IRA). Note: Most of NY State uses a di-•erent life - expec tancy table than the IRS to determine RMDs. So you may have to take significantly more income from your account than what the IRS tells you; only Westchester, Putnam and NY City use the IRS life expectancy table. #6: FALSE. There is a strategy called Gift/Note that, typically, can protect about 40 to 60 percent of the assets at risk at the time of placement in a nursing home - even if you didn't do any planning or the planning you did was still within the five-yearlookbackperiod. #7: FALSE. Medicaid does not follow the same rules as the IRS. If you gifted any money, Medicaid can penalize you for the transfer.

A penalty means Medicaid denies coverage for a period of time consistent with the value of the gift.

2. I cannot qualify for Medicaid because I have #1: TRUE. For in-home care, you income (a pension or retirement distributions). can own your home if it’s your primary residence. If you own other 3. Medicaid will pay for at-home care provided properties and they pass through by my daughter and her friend. your estate, Medicaid will recoup the cost of your care from your estate.

4. Once I get Medicaid, they will provide all the #2: FALSE. For in-home care, a care I need to stay at home. pooled income trust can be used to shelter all income over the Medic5. Medicaid cannot make me cash out my IRA aid limit. The 2022 limit is $954 per month (gross income). If you are in or Retirement account(s) to pay for care. a nursing home, 100% of your gross income goes to the facility unless 6. My Mom is now in a nursing home - which you are married, in which case your we did not plan for - so I guess I will have to spouse “might” be entitled to keep spend down all her money. some of the combined income. #3: TRUE. You can choose your 7. Dad is going to a nursing home. He gifted caregiver via the Consumer Directeach of us $15,000 last year, according to IRS ed Personal Care Program (CDrules, so those transfers are safe.

PAP), which allows you to hire any one of your choice to be your careHow did you do with this Medicaid giver. The exceptions: You cannot qualification test? If you had any ance here will ensure you get the best appoint your spouse or the person acting wrong answers, you may want to consult possible amount of care. as your primary Power of Attorney. Also, a professional to protect as much of your #5: TRUE. Medicaid will exempt the the person must be legal to work in the assets as possible. principal of your retirement account or U.S. and willing to be on payroll. any annuity if you are taking a monthly n n n #4: FALSE. Once you are approved for distribution. You must take the required Colin Sandler, LCSW, CCM, is Medicaid, they will assess you for your the owner of Medicaid Solutions care needs. If you do not present your and has been providing advice on Colino-•ersFREEweeklyseminars needs adequately or use the “wrong lanaging to seniors and their families on Community Medicaid and Nursing guage,” you will get less care than you for over 20 years. Call 914-924Home Medicaid via Zoom. Please may want or need. There are programs 2566 or email Colin@Medicaidsolutions.com; check MedicaidSolutions.com for which assess di-•erently, so having - guid 2127 Crompond Rd, Cortlandt Manor, NY. information and registration.

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6 Easy Tips For

Tackling Spring Cleaning

BY AMY VAN DEN DIJSSEL

find them easily in the fall.

You can also use vacuum packing bags to save on storage space. Avoid the temptation to keep those extra pants that no longer fitoraretotallyoutofstyl you will truly never wear themagain!

It’s time to throw open your windows and let the fresh air in. Springtime presents the perfect opportunity to refresh your home for the new season and beyond.

And, experts say it's good for you! Decluttering boosts your productivity and makes you happier. It also improves your health by reducing allergens in your home. You’ll feel better and you’ll have more time for the things that are most important to you.

Head outside and clean your grill and outdoor furniture.

Here are some suggestions for tak-

6. DON’T FORGET THE DIGITAL CLUTTER Digital clutter can also bog you down. Take some time to go through old emails and files you don’t need any more and delete them once and for all. This will clear up space on your computer and, once again, leave you feeling more organized and peaceful.

ing on your spring cleaning:

1. DECLUTTER AND ORGANIZE FIRST Before you start cleaning, go through your home and decide what to keep and what to get rid of. Place items in three di-•erent piles: keep, donate and throw away. Now is a great time to give your adult children those “special” items you’ve move your couch, remove all the cushbeenstoringforthemforyears! ions and vacuum the area they covered When you work on one area, such as the up.Takeallitemso-•surfacesbeforeyou If this all seems overwhelming, try setlinen closet, take everything out and then deep clean. Don’t forget the tops of the ting a timer for five minutes and sta sort. This way, you’ll keep only what you cabinetsandclosets! on one small area.As you finish each need and be able to organize the rest area, you’ll see the results and want to 4. CLEAN WALLS, WINDOWS, when you put it away. do another one. Once you’re done with BASEBOARDS AND DOORS everything, sit back and enjoy your Cleaning scu-•s and dirt o-• your walls, 2. CREATE A ROOM-TO-ROOM freshly cleaned and organized home.

CHECKLIST OF ITEMS TO CLEAN baseboards and doors will give your Now, you can get back to doing what Create your to-do list by room. It may home a fresh look without having to reyoulovethemost! help to start in one smaller area of the paint. Cleaning windows will give you a n n n room; for example, clean out your refrig- brighter view which will also lift your spirerator or the junk drawer in your kitchen. its. Consider hiring a professional window Amy van den Dijssel is the marketing and social Make a similar checklist for each space cleaner for the outside of your windows if media manager at Changing Places, LLC. Carol Lightbody and Paula Meighan co-founded Changing you’re not able to do them yourself. It’ll be in your home.

Places in 2005. The Senior Move Management comworth every penny. pany assists older adults and their families with the 3. MOVE YOUR FURNITURE emotional and physical aspects of relocation and/or 5. DO SEASONAL TASKS To clean each area of your home more aging in place. To learn more about their services, thoroughly, make sure to move all items Put all your winter clothing away in check out www.changingplaces.info and Changingbefore you start. For example, when you clear plastic storage boxes so you can PlacesNY on Facebook, Instagram and LinkedIn westchesterseniorvoice.com

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529 Plans

For Your Grandchildren

BY LAURA I. ROTTER Students will not be required to report any cash support they receive, including any contributions from 529 plans held by grandparents. In other words, it’s now much more attractive for grandparents to open and contribute to 529 plans, since they will have no impact- on fi nancial aid at schools that use the FAFSA form.

A client of mine recently reached out about whether or not to fund a 529 plan for his granddaughter - and she’s not due to be born for another four months. Talk about getting a head start on college planning!

He’ll have to wait a bit though. You cannot set up a 529 plan for an unborn child since a Social Security number is required for the named beneficiary of the plan. But you certainly can begin contributing once your grandchild arrives.

Be aware that grandparent-held 529 plans may still be consideredbytheCSSProfile,another financialaidapplicationusedby approximately 300 schools, including some of the most elite universities.

It remains to be seen if this You are able to change beneficiaries on THE TAX ADVANTAGE In many states, New York included, contri- the 529 plan without negative tax conse- will be adjusted in the future to reflec changes in the FAFSA form. Since income is butions to 529 plans are tax deductible. As quences,aslongasthenewbeneficiary - from fam two years prior is used for the applithe owner, you are allowed to deduct up to amemberoftheoriginalbeneficiary’s $5,000 per year of contributions by an indi- ily. So if your oldest grandchild receives a cation (i.e., 2019 income was used for the vidual and up to $10,000 per year by a mar- full scholarship to their dream school, you 2021-2022 school year), grandparents can are New able to use the funds for her younger still set up a 529 plan, being careful to pay riedcouplefilingjointlywhencomputing York State taxable income. The money in a sibling - or perhaps for yourself, if you’re tuition only in the last two years of school soasnottoa-•ecttheCSSProfilefinancial 529 plan can grow tax free and withdrawals interestedinreinventing! aid eligibility. aren’t taxable if used to cover eligible educaIn the past, I might have recommended that you gift the funds to your child, who would Not surprisingly, many of us are interested open the 529 plan as the owner with their in helping our grandchildren and, by extension, our children pay for the high cost childasbeneficiary.Thiswasbecause, - un der current FAFSA rules (the Free Appli- of future college tuition. If this sounds like cation for Federal Student Aid is the form you, consider the benefits of opening a 529 plan rather than later. parents fill out to qualify for financial aid)sooner , Another benefit of a 529 plan is that - con tion expenses, including college books and supplies, computers and internet access, and room and board in addition to tuition. Up to $10,000 of annual K through 12 costs are also considered eligible education expenses.

tributions are considered gifts for tax pur- any tuition payments from 529 plans held poses. In 2022, you can contribute up to by grandparents were considered untaxed $16,000 as an individual, or $32,000 as a income to the student and could reduce aid married couple, without having to pay gift eligibility by up to 50% of the distribution taxes. You also have the option of “super- amount. funding” a 529 plan: making a contribution ofuptofivetimestheannualgifttax - THE excluGOOD NEWS sion (up to $80,000 from an individual in When new FAFSA rules go into e-•ect in 2022 or $160,00 from a married couple), October 2022, only income reported on federal tax returns will be considered. without owing any gift taxes. spring 2022

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Laura I. Rotter, CFA, MBA, CFP, is founder of True Abundance Advisors, a fiduciary, fee-only financial planning firm. She works with clients remotely or in person to help them clarify their goals and develop an integrated plan to achieve these goals. Call her at 914-222-0832 or email Laura@Trueabundanceadvisors.com to schedule a free initial consultation.

westchesterseniorvoice.com

ASK THE DOC Did I tear my meniscus?

Dr. Steven Andelman, an orthopedic surgeon specializing in adult and pediatric sports medicine, discusses what such tears mean and what can be done to treat – and prevent – them.

The meniscus, a C-shaped disc of soft cartilage that sits between the femur and the tibia, acts as a cushion or “shock absorber” in each of your knees. There are over 500,000 meniscal tears in the U.S. every year – but not all of them are alike.

There are two kinds of these tears: acute, which tends to occur with younger people during an activity like playing basketball or even getting out of your chair; and degenerative, which can coincide with the wear-and-tear we experience as we get older, starting at about age 40.

If untreated, the latter can contribute to arthritis and chronic pain going forward.

The assumption that surgery is the only option in meniscal tear cases is often untrue. We treat patients on an individualized basis and the great majority can recover through medications, injections, physical therapy and/or bracing. If surgery is necessary, we have a range of new instruments and procedures that are minimally invasive and done arthroscopically.

Whatever the course of treatment, most patients can recover within six to eight weeks. Although sometimes meniscal tears “just happen,” preventive measures can be taken: Stabilizing the knee to maintain a strong core through exercises that strengthen the legs and/or wearing a knee brace, properly warming up before and after exercise, and of course maintaining a healthy exercise and diet regimen.

KNOW THE SIGNS 1. THE POP

2. WEAKENING KNEE

3. ONGOING PAIN

4. GROWING STIFFNESS

Hearing a “pop” and experiencing unusual pain on either side of the knee

Having the sensation that your knee is “buckling” or giving out

Experiencing continued painful popping in the knee, even when not putting undue stress upon it

Feeling painful and stiff after sitting for a long time (in a car, at a movie, etc.)

Get savvy about your health. Find an orthopedic surgeon by calling (914) 849-MyMD.