BEACON - Transitions in Aging 2015

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Aging in Place

Medicare

Long-term care Planning 2015

Your Local Guide to Aging Well

™

You deserve high quality care, a comfortable style of living, and a secure long-term care plan. With a Home Equity Conversion Mortgage (HECM), a type of reverse mortgage, you can improve your quality of living while protecting your assets to preserve your legacy for your children. If you take out a HECM at age 62 instead of 82, it’s likely that your credit line could grow to be greater than the value of your home, especially in areas of the country where values don’t increase substantially. The earlier you set up your line of credit, the more compounding occurs so you will have a substantial available line in your later years when you may need it the most.

Even though your cash flow and your investments are fine now, 20 to 30 years of retirement is a long time which is why it’s prudent to ensure that your home equity is readily available in cash without having to sell your home. You can draw out home equity and still live in your home by only paying your taxes and insurance. This is an example of having your cake and eating it too! Here are the most common uses of a reverse mortgage line of credit:

1. Great option to access funds to pay for in-home care services

• Pay for home modifications

• Delay the need for expensive nursing homes

• Services can gradually ramp up as needed

2. Set up in advance so funding is ready

3. Pay for life insurance with long-term care riders without impacting your cash needs

4. Use as a stand-by line of credit so you can keep your cash fully invested

5. Bridge the Medicare gap from 62 to 65 for health insurance premiums or moderate your taxable income to increase the subsidy in the Affordable Care Act

Did you know that an estimated 70% of Americans will need some kind of long-term care? Only about 5% of people have long-term care insurance, and we all know how much care expenses can cost. Getting a reverse mortgage line of credit could be a great solution for you.

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AGE

HOME VALUE

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Are these your long-term care plans? Here are the problems with each of these responses:

1. I won’t need to live in a nursing home, because I’m perfectly healthy and want to live in my home.

1. The odds are not good - If you flip a coin twice and it lands on tails both times, these are close to the same odds of NOT needing long-term care.

2. I gave everything away to look like we are broke so the government will take care of me.

2. Medicaid has a 5 year look-back period for asset transfers for people needing long-term care insurance.

3. My kids will be my caregivers.3. Think of all the lost opportunities if your children have to be

your caregivers (relationship negatively impacted, lost career opportunities, etc.).

4. Medicare or my health insurance will take care of any long-term care needs for me if necessary.

4. Medicare and health insurance do NOT cover long-term care expenses – it only covers hospitalization.

5. I don’t have the money to pay for long-term care expenses. 5. You may need money to pay for long-term care so consider a

HECM as a solution.

Christine RansierLoan OfficerNMLS # 1057590

Direct: 970-778-3445Cell: 970-260-5755Fax [email protected] Patterson Road, Suite 1BGrand Junction, CO 81505

Darrin WadeArea ManagerNMLS # 277275

Direct: 970-778-3440Cell: [email protected] 2470 Patterson Rd., Suite 1BGrand Junction, CO 81505

Copyright©2015 Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations should apply. Equal Housing Lender. FIMC is not is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-ap-proved agency. Must be at least 62 years old. Loan proceeds are not con-sidered income and will not affect Social Security or Medicare benefits. Your monthly reverse mortgage advances may affect your eligibility for some other programs. Consult a local program office or your attorney to determine how, or if, monthly reverse mortgage payments might affect your specific situation. Owners are still responsible for property taxes and insurance. Regulated by the CO Division of Real Estate. AZ License #BK-0904162.

Failing to plan yields the same results as planning to fail. We can offer you a long-term care solution Give us a call to learn more!

3www.BeaconSeniorNews.com2015 Transitions in aging

• Medicare Counseling• Understand Your Options

• Save Money• Make Informed Choices

• Know Your Rights

AGING & DISABILITY RESOURCES FOR COLORADO (ADRC): a partnership of over 40 area organizations designed to provide easy access to services and support. Provides assistance to individuals and caregivers. ADRC services include:

Eligibility: ADRC services, provided by Region 10 Community Living Services, are available to residents of Delta, Gunnison, Hinsdale, Montrose, Ouray, and San Miguel Counties who are either 60+ years of age, or those who are 18+ years of age with a disability. If you are not a resident of one of the counties listed above, please contact us and we will refer you to a similar program in your area.

AREA AGENCY ON AGING: Region 10 Area Agency on Aging is one of 16 Agencies on Aging in Colorado which administer programs and services that help adults age 60 and older maintain their dignity, health, and independence in their respective communities. All Area Agencies on Aging receive funding through the State Unit on Aging and the Older Americans’ Act to provide services to seniors, including:

LONG-TERM CARE OMBUDSMAN: a trained advocate who protects and promotes the rights and quality of life for people who reside in nursing homes, assisted living residences, and similar licensed long-term care facilities. Ombudsmen work to resolve individual resident issues and to bring about changes at the local, state, and national level to improve long-term care. They regularly visit long-term care facilities, monitor conditions and care, and provide a voice for those unable to speak for themselves.

STATE HEALTH INSURANCE ASSISTANCE PROGRAM

• Information & Referrals• Planning Assistance

• Options Counseling• Application Assistance

• Follow-Up

• Transportation• Nutrition• Homemaking• Caregiver Support

• Health Promotion• Legal Services• Dental, Vision, & Hearing• Options Counseling

• Material Aid• Education• Volunteer Opportunities

ADRC

300 N. Cascade Ave., Ste. 1 • Montrose, CO 81401 [email protected] • www.region10.net • Fax 970-249-2488

Call us today to see how we can serve you:(970) 249-2436 • 1-855-500-6050

Community Living Services Serving Delta, Gunnison, Hinsdale, Montrose, Ouray, & San Miguel Counties

LONG-TERM CARE PLANNING

The statistics are staggering. About 10,000 baby boomers turn 65

each day and the U.S. Department of Health and Human Services reports that more than 70 percent of people over 65 will require long-term care services at some point.

But few people make preparations for this inevitable part of life that can drain a family emotionally and finan-cially.

Finally, when the need for long-term care approaches the crisis level, several family members may be thrust into participation whether ready or not, said Chris Orestis, senior health-care advo-cate and CEO of Life Care Funding.

“In many situations the need for care will creep up on a family,” Orestis said. “Suddenly, people realize they have assumed duties that take up more and more of their time, and take a toll on their lives.”

Over the years, Orestis has seen these family members gravitate naturally to roles that fall into several stereotypes.

• Caretaker – This person provides care for the loved one at home and, without realizing it, becomes a fulltime caregiver. Usually, this is a spouse or an adult child, most often a daughter.• Bookkeeper – This person focuses on the financial aspects, trying to determine what assets or insurance policies are available to help with the costs of care.• Chauffeur – This family member drives the loved one to appointments, runs errands, makes grocery runs and eventually may drive the aging loved one to tour assisted living facilities.

How family stereotypes emerge when aging loved ones need assistance

• Guardian – This family member takes on such roles as power of at-torney or trustee, assuming the legal responsibilities within the family.• Denier – This person can’t accept or admit that the loved one, or they them-selves, needs care.• Know-It-All – Most annoying of all, this family member constantly ques-tions decisions, or lobs suggestions from the backbench, but isn’t near the situation or involved hands-on.

With such a lineup, it’s easy for resentments to build, Orestis said, but that needs to be avoided because the focus should be on the aging loved one and easing the transition if a decision is made to move into a nursing home or assisted living facility.

Eventually, once it’s clear professional long-term care is needed and a plan is in place to make it happen, a conversa-tion needs to take place with the loved one, who may be apprehensive or even resistant.

The conversation should be handled with compassion and delicacy, he said. Emphasize that not only will this move improve their health and safety, but there will be numerous opportunities for social activities, games, art, enter-tainment and better food.

“The key is for the family to come together,” he said. “Look for the signs that care is needed, formulate a plan, communicate effectively with your loved ones and change the perspective about long-term care from a negative to a safe, healthy and enriching experience in the continuing journey of life.” ■

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4 www.BeaconSeniorNews.com 2015Transitions in aging

REASON #102: CHOICE IS A GOOD THING

Call a licensed salesperson at: 888-251-1330 (TTY: 711)Visit www.rmhpMedicare.org

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RMHP is a Medicare-approved Cost plan. Enrollment in RMHP depends on contract renewal. This information is available for free in other languages. Please call Customer Service at 888-282-1420 (TTY dial 711). Hours are 8am - 8pm, 7 days/week, Oct. 1–Feb.14, and 8am - 8pm, M-F, Feb.15–Sept.30. Esta información está disponible gratuitamente en otros idiomas. Por favor llame a la línea de Atención a Clientes, al 888-282-1420 (TTY marque 711). Horario de 8am - 8pm, 7 días a la semana, del 1 de octubre al 14 de febrero; y de 8am - 8pm, de lunes a viernes, del 15 de febrero al 30 de septiembre. ©2015 H0602_MS_MCAd319_04232015 Accepted

At Rocky Mountain Health Plans, we believe in delivering options. That’s why we offer Medicare plans within one of Colorado’s largest provider networks. With RMHP, you have access to more than 15,000 health care professionals and 100 hospitals. And, no referrals are needed. Make your choice Rocky Mountain Health Plans.

RMHP Medicare plans are available at ONE EXCHANGE, a trusted leader in private Medicare exchanges. If your employer offers retirement plans through One Exchange, call and ask about RMHP Medicare.

MEDICARE

By Jason Alderman

I f your 65th birthday is around the corner or you’re anxious about the

Medicare open enrollment period, it’s a good time to start focusing on your options.What is Medicare? Medicare is a government-provided health and hospi-talization insurance program for people 65 and older and for some people under age 65, based on disability or particular forms of illness.

What does it cost? Though you’ve likely paid taxes into the Medicare sys-tem your entire career, Medicare isn’t a completely free program. You’ll pay premiums deducted from your Social Security checks for some portions of your benefits. There may be copays and deductibles for certain services.

When do I get to join? You can apply for Medicare through your nearest So-cial Security office up to three months before your 65th birthday. If you wait longer than three months after your 65th birthday to apply, you may face a late enrollment penalty.

What does coverage look like? As of late 2014, here’s an overview of current Medicare plans:

• Parts A (Hospital) and B (Outpatient). Part A covers inpatient hospital care and Part B covers outpatient medi-cal care and procedures. You’ll hear Parts A and B referred to as “Original Medicare” because if you choose to take this option, you’ll sign up for them as a pair. You’ll get to go to any doctor, hospital or facility that’s enrolled in Medicare and accepting new Medicare patients. You’ll end up paying a premi-um for Part B, which can change from year to year while Part A is usually free.

• Part C (Medicare Advantage). Call this one-stop shopping for your hospi-tal, outpatient (Part A and B) and usu-ally your prescription coverage (see Part

Medicare primer 101

D below). Medicare Advantage policies are sold by private insurers. Medicare pays their share and you pay your pre-mium. They may include differing as-sortments of services, including vision, prescription drug, dental or hearing. But keep in mind different Medicare Advantage plans have different rules for services and can charge different out-of-network costs.

• Part D (Prescription drug coverage). Part D added prescription drug cover-age to Original Medicare but may be folded into Medicare Advantage cover-age if you elect to take it.

What’s Medigap insurance? If you go with Original Medicare (Part A and B), you’ll find some gaps in your Medicare coverage. Medigap is the nickname for Medicare Supplement Insurance, which you purchase privately. Also, if you’re on Medicare Advantage, it’s unlikely you’ll need separate Medigap cover-age, but it’s important to check.

What if you plan to keep work-ing with company health benefits after you turn 65? Confer with your financial advisor and Medicare before you make any decisions, but you may qualify for a special enrollment period. People who continue to work past 65 may enroll in Part A but bypass Part B and D if they’re on a company plan.

Are your doctors on the plan? You’ve probably had some experience with this, but continue to check to see whether your physicians are in-network on Medicare Advantage.

What can your state do for you? If you find you’re not getting answers on spe-cific Medicare subjects from Medicare itself, then contact SHIP (State Health Insurance Assistance Program). SHIP offers one-on-one counseling on Medi-care. To contact the Mesa County SHIP office, call 243-9839. For the Delta/Montrose office, call 249-2436. ■


AGING IN PLACE

Help to stay in your home

By Cloie Sandlin

Are you worried about living safely and independently at home? Do

you need to make modifications to your home, but can’t afford it? There may be help.

Housing Resources of Western Colorado’s Housing Rehabilitation program provides low- and moderate-income homeowners the means to repair and upgrade their homes through a low- to no-interest loan program. Improvements and repairs can be made to plumbing, electri-cal, windows, roofing, handicap accessible modifications, foun-dation and siding.

“The program usu-ally has a waiting list due to its popularity,” Housing Rehabilita-tion Loan Coordinator Tristan DeBruin said.

Annette Benoit is a senior who enlisted the program’s help a few years ago.

“It was hard for me to get around at home,” Benoit said. “I was concerned about safety, and like many seniors, I want to stay in my home longer.”

Once approved for the program, Ben-oit’s home was inspected for needed repairs, and she was able to choose the contractor from a list.

Doorways were widened and loose transition boards were replaced. The contract workers installed a sliding screen door leading to the patio, and a

handicap accessible shower and grab

bars in the bathroom. The patio in the

backyard was made of rickety wooden

boards, which were replaced with

concrete.

“When you get to

be my age, it’s hard

to tell who’s trustwor-

thy,” Benoit said. “It’s

nice to have someone

see the whole process

through.”

DeBruin said it’s

important that there

is positive equity in

the home. The loans

taken out to pay for the

project are secured by

a promissory note and

deed of trust. Loan in-

terest rates range from

0-3 percent.

“They give you a

reasonable price to pay

each month,” Benoit

said. “They really work

with your budget.”

Payments are based

on what the client can

pay, not the amount

of money they borrow.

Payments, interest rates

and terms can be rene-

gotiated if the income

of the client changes.

All loans must be paid

in full when the property

is sold, given away, or

inherited.

“It’s an excellent program for se-

niors,” Benoit said. “There’s something

special about staying at home.”

To see if you qualify for the Housing

Rehabilitation program, call DeBruin at

773-9739. ■

Benoit couldn’t get in her tub without slipping, so Housing

Resources installed a handicap accessible shower with grab bars.

The low- to no-interest loan program made Benoit’s home

upgrades affordable.

www.housingresourceswc.org

Contact Tristan DeBruin for program details

773-9739524 30 ROAD, #3

GRAND JUNCTION, CO 81504

As you age your needs change. Now we can help your house

change with you

REPLACE YOUR OLD ROOF

INSTALL NEW WINDOWS

ADD HANDICAP ACCESSIBILITY

Our Housing Rehabilitation program provides low and moderate income homeowners the means to repair and upgrade their homes through a low to no-interest loan program. Housing Resources makes the loans, secured by a promissory note and deed of trust. Our specialists will:

• Secure bids for your project.• Help you choose a qualified contractor.• Help with all inspections, and provide assistance with the paperwork.

Eligible home improvement activities include, but are not limited to:

• Remove old shingles and install new roofing materials.• Replace old leaky windows with high efficiency dual pane windows.• Handicap accessible modifications.


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It’s a nu day in

mobility.

By Lynn Pribus

The ads for walk-in tubs are so inviting. It’s nice to think of being

able to take a bath again. It looks so easy.

But seriously, a bathtub with a door that closes so the user can sit and soak in water rather than just take a shower can be an intimidating process. Internet searches generally link you to manufacturers and vendors giving you a sales pitch on their particular product. They may even want to come into your home.

Nevertheless, it may well be worth pursuing because these tubs might make all the difference in enabling older folks, people with disabilities, arthritis or chronic pain, and obese persons to bathe safely and remain in a home they love.

Unfortunately, there are not many showrooms where you can take a tub for a test drive so you must be careful in your research. (If possible, ask friends if they know anyone with such a tub and put on your swimsuit to try it out.)

What are these tubs like? These days, most walk-ins are molded from gel-coat fiberglass. “Marine-grade” fiberglass is considered the most durable, while cheaper products can eventually get cracks and leaks.

The ins and outs of walk-in tubs

Tubs come in two styles: framed or frameless. The former is built on a steel frame and typically has a six- to twelve-inch threshold. Frameless styles use an extra-strength mold, rest directly on your floor, and generally drain faster. Their typical threshold is three inches or less. You choice may depend partly on your home’s existing construction.

Tubs generally vary from about three to four feet in depth and fill to about two feet. The other dimensions can vary, but start at two and a half feet in length. Features typically include a molded seat, often with a non-slip surface, two or more grab bars and non-slip floors. Hand-held shower-heads, often on an adjustable slidebar, are also popular.

Doors open either in or out. An inward-opening door will require less space, while outward-opening doors may be more convenient for persons who use wheelchairs or need the as-sistance of another person.

Of course, the user must sit in the tub, first while it fills, then until it’s empty and the door can be opened, so a significant consideration is filling and draining time. Some tubs can take up to 15 minutes while the user must sit, wait and possibly shiver. Part of the wait depends on the home’s existing plumbing system. Generally, though,

7www.BeaconSeniorNews.com2015 Transitions in agingtimes range from two to three minutes.

Extras? As tubs get more expensive, they will generally be of better quality and have extra features beyond simply soaking. There may be air jets or water jets (or both!), and the hydrotherapy of those fairly forceful jets can soothe aches and pains. Some tubs even offer diffusers to dispense oils for aromatherapy.

Since the tubs don’t use chlorine or other purifying chemicals in the bath water, it’s important to have a system to keep bacteria and mold from forming in the hydrotherapy jets. Some ozone cleaning systems are very effective.

Anti-scald valves can prevent the water from becoming too hot, while in-line heaters on hydrotherapy jets keep the water pleasantly warm.

How much do walk-in tubs cost? Always remember, when it comes to these tubs, older folks are seen as hot prospects, so be cautious. Treat this purchase as you would buying a used

car and don’t believe everything you’re told. How much does installation really cost? How long does it really take to fill? To drain? Will the salesperson put those claims in writing?

Prices vary widely depending on quality and extra features. Basic models start around $2,500 or $3,000 while better models with extras can run up to $10,000 or more. In some cases, you might need to upgrade an existing water heater and possibly remodel an existing bathroom.

Installation requires plumbing and electrical work and sometimes carpen-try. It’s usually better to use a single contractor, but not necessarily the one recommended by the tub vendor. On the other hand, not every plumber may have walk-in tub experience. Check that the contractor is licensed and insured.

Some vendors are quite competi-tive, especially with high-value tubs, and have considerable leeway in their pricing. You may be able to negoti-ate items like shipping, delivery and

installation. Get a clear contract with everything in writing, especially the war-ranty.

Warranties can range from a year to a lifetime. The most important guaran-tee is the door seal, of course, but also pumps, heaters and jets. Ensure the company has been in business for a while and check the business with your local Better Busi-ness Bureau. ■

Call Tile Meister at 244-8453 for your free estimate.

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“I want to stay in my home as long as possible. at’s why I called the Tile Meister to make my bathroom safe.”

―Dixie


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HOME CARE

By Paula McCormick, Elder Quest

Long-distance caregiving is a growing task for an estimated 14

million Americans. This relationship presents many challenges, but many can be eliminated or minimized with some tasks completed by yourself or with the help of vari-ous professionals.

For most people, the primary challenge of long-distance caregiving is com-munication. Some-times, information expressed over the phone is not always accurate. Over time, the need for specific information on the health and well being of seniors usually be-comes more critical. The seniors might not recognize the needs they have or might have vague ways of describing them. They might fear the potential conse-quences if they divulge the truth. They might think, “If I tell them the truth, they’ll surely put me in a home,” or they just might not see the seriousness of their situation.

In the case of adult children being the long-distance caregiver, they might not know what questions to ask or how to ask them without sounding too invasive. They might respond to what they hear in a different way than their siblings would. When serious infor-mation is mentioned on the phone, adult children might react immedi-ately without thinking things through, retreat and disengage from further communication, or do nothing and just wait it out. The senior parents may also not share the same information to all of

their children.

Now what are some of the things

you can do to help improve communi-

cation, get more accurate information,

and maintain the senior’s indepen-

dence?

Keep the lines of communication

open with seniors and

maintain a positive

attitude. Ask for more

details about their

days without sound-

ing like an FBI agent.

Begin sentences with,

“I am concerned.”

For example, “I am

concerned that the

burners being left on

might start a fire.”

See what kind of

response you get.

If they stop talking to you, it might

indicate how sensitive they are to

comments about how they are manag-

ing. This means it’s probably time for a

personal visit by you or a professional.

If they are open to suggestions like

leaving reminder notes, or only using

the microwave, then you know they

are being somewhat realistic and coop-

erative, which is good.

Recognize that you are entering into

a new season with your aged relatives.

Be aware that their needs and abilities

are changing. Roles will be shifting.

So be kind to one another. Tell your-

self and others involved that although

it might not be easy, you are willing

to help because you all care for one

another.■

Communication is key in long-distance caregiving

TRANSITIONS WITH GRACE

November 5 6 p.m.-8 p.m.

November 7 9 a.m.-11 a.m.

Western Colorado Community College

Register at 255-2828Aging Parents? How do we help?

Don’t wait for a medical crisis to force unwanted

options on them!

You CAN make a You CAN make a difference!

7 important tools you can learn now!

Family Dynamics, Communication,

Legal issues, Housing optionsHousing options

etc..

PRESENTED BY: ELDER QUEST * Hosted by: WCCC

Register at 255-2828 Nov. 5 6-8 p.m. Nov. 7 9-11 a.m.

NOVEMBER 5 & 7


Caregivers Toolbox Caregivers Toolbox Caregivers Toolbox ConferenceConference

Register by calling Western Colorado 211.

2-1-1 or (970) 244-8400.

The featured keynote speaker Jane W. Barton, MTS, MASM, CSA will be speaking on resilience in her presentation called:

“Got Bounce? Exploring the Process of Resilience”.

$5 8:30am -3:00 pm

Wednesday, August 19th

Mesa County Workforce Center

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Caregiver’s Conference on August 19

The 15th annual Caregiver’s Tool-box Conference, hosted by the

Area Agency on Aging, will be held from 8:30 a.m.-3 p.m. on Wednesday, August 19, at the Mesa County Work-force Center, 512 29 1/2 Road. The registration fee is $5 and includes the keynote luncheon, sessions, vendors and materials.

The featured keynote speaker will be Jane W. Barton, MTS, MASM, CSA, who will speak on resilience in her pre-sentation called, “Got Bounce? Explor-ing the process of resilience.”

“We are very excited to offer this important conference again this year,” Area Agency on Aging Director Dave Norman said. “This is a tremendous

CALLING ALL CAREGIVERS!

“We have several personalized demonstrations, networking

opportunities, vendors and a high caliber presenter to help family

members, professionals and volunteers in caregiving.”

value for attendees. We have several personalized demonstrations, network-ing opportunities, vendors and a high caliber presenter to help family mem-bers, professionals and volunteers in caregiving.”

Space is limited to the first 150 regis-trants. To register, call Western Colo-rado 211 by dialing 2-1-1 or 244-8400. Preregistration is required to receive certification. ■

Courtesy of AARP

1. Across Colorado, more than 576,000 family caregivers each year care for aging parents, spous-es, aunts, uncles, friends or other loved ones.

2. Family caregivers in Colorado provide $6.6 million annually in unpaid care.

3. Three in 10 caregivers find their situation very or extremely emo-tionally stressful.

The average family caregiver…

4. Is a 49-year-old female taking care of a 77-year-old woman, usually her mother.

5. Provides 20 hours a week of as-sistance to a loved one.

6. Helps their loved one with bathing and dressing, meal preparation, managing finances, transportation, grocery shopping and more.

Family caregivers perform medical tasks…

7. Almost half (46 percent) of family caregivers perform medical or nurs-

12 FACTS ON FAMILY CAREGIVERS IN COLORADO

ing tasks – like complex medication management, wound care and injections. Most report that they received little or no training to perform these tasks.

8. Most care recipients (69 percent) did not have a home visit by a health care professional after discharge from the hospital.

Family caregivers at work…

9. Most family caregivers work full- or part-time while caregiving.

10. Forty-two percent of U.S. workers have provided care for an aging relative or friend in the past five years, and 49 percent expect to be providing care in the next five years.

11. The majority (68 percent) of family caregivers report having to make work accommodations because of caregiving duties.

12. Family caregivers, age 50 and older, who leave the workforce to care for an aging parent lose, on aver-age, nearly $304,000 in wages and benefits over their lifetime. ■


If you own low-yielding assets and are seeking higher income, a charitable gi� annuity or charitable remainder trust may be worth exploring.

In exchange for your charitable gift of cash or appreciated securities, you reap multiple bene�ts:

• Receive a lifetime income

• Generate a current income tax deduction

• Bypass all or a portion of capital gains on appreciated assets

THE BENEFITS OF A Contact the St. Mary’s Foundation to learn more about making a gift today!

CHARITABLE GIFT ANNUITY

Every dollar of your contribution stays right here at St. Mary’s Medical Center

2635 N. 7th St . Entrance #6 Grand Junction CO 81501

(970) 298-7569

RESOURCESLONG-TERM CARE PLANNING

MEDICARE

AGING IN PLACE

SENIOR LIVING COMMUNITY

ASSISTED LIVING

When planning for your long-term care you should start saving for retirement at birth. But who has that kind of foresight? Your projected retirement sav-ings will have a great deal to do with your long-term care choices and now is a great time to sit down with a good attorney, a good financial planner and your insurance agent.

Colorado Retirement Services ..............................................242-1040

Fairway Independent Mortgage ......................................... 778-3445

Elder Quest, Paula McCormick ............................................ 985-5950Elder Quest provides peace of mind through quality care management. From brief consultations to ongoing support, we can guide you and your family through the maze of care options.

The experts agree that the best place for you to live as you grow older is in your own home. But in order to do so, you may need to change your house to fit your changing needs. It could be as simple as adding a grab bar in the shower or as involved as adding an elevator if you’re having trouble getting up and down the stairs.

Housing Resources of Western Colorado ............................773-9739The Homeowner Rehabilitation program serves low- to moderate-income homeowners and provides a means to do necessary repairs or modifications to their home. This is a loan program with interest rates from 0 to 3 percent.

Tile Meister ........................................................................... 244-8453Tile Meister specializes in tile for complete remodels in Western Colorado. We install skylights, solid surface countertops and handicap accessible fixtures for your shower and bath. Aging in place specialist.

You’re ready to move but not yet into assisted living. Would you like to live in a place where other people your age live? A senior living community might be just the ticket.

Spring Creek Chalet / Montrose .......................................... 249-2438

When you need a little assistance.

Family Health West (Fruita)–The Willows ............................858-2184The Willows is Family Health West’s secured assisted living residence. The Willows has 24 studio apartments for individuals experiencing Alzheimer’s, dementia, confusion and related disorders.

Volunteers of America .......................................................... 275-1220

Rocky Mountain Health Plans .......................................888-251-1330

RSVP (Mesa County) SHIP Counseling ................................ 243-9839

SHIP Counseling (Montrose/Delta) ..................................... 249-2436

MEDICAL EQUIPMENT

As you age, you may need tools to help you walk, such as a cane, walker or a wheelchair. Modern technology has made great advancements in helping people hear and see more clearly.

AAA Hearing ........................................................................ 243-6440We provide comprehensive, compassionate and cost-effective care for each of our patients to improve hearing, communication and the overall quality of life. Call for your free hearing evaluation.

Numotion Seating & Mobility .............................................242-3011


If you own low-yielding assets and are seeking higher income, a charitable gi� annuity or charitable remainder trust may be worth exploring.

In exchange for your charitable gift of cash or appreciated securities, you reap multiple bene�ts:

• Receive a lifetime income

• Generate a current income tax deduction

• Bypass all or a portion of capital gains on appreciated assets

THE BENEFITS OF A Contact the St. Mary’s Foundation to learn more about making a gift today!

CHARITABLE GIFT ANNUITY

Every dollar of your contribution stays right here at St. Mary’s Medical Center

2635 N. 7th St . Entrance #6 Grand Junction CO 81501

(970) 298-7569

RESOURCESIN-HOME CARE

NURSING HOME

HOSPICE

BEREAVEMENT

OTHER RESOURCES

You should live long enough that someday your kids will say to you, “Ew! I’m not doing that.” When that happens or when you need assistance around the house, consider calling someone to help you out.

Columbine Caregivers ..........................................................241-2698At Columbine Caregivers, we respect our clients’ individual needs for privacy while as-sisting them to maintain a high quality of life at home. Trusted home care since 1989.

Comfort Keepers Grand Junction ........................................................................241-8818 Delta/Montrose ........................................................................240-4121

Nuclear Care Partners ....................................................888-525-5111

Rocky Mountain Health Plans Home Health .....................................................................866-874-6115

Touch of Care Grand Junction/Montrose/Delta .........................................866-874-6115

Visiting Angels ..................................................................... 254-8888Visiting Angels is a non-medical home care service that assists people to maintain the independence of their daily routines and familiar surroundings. We believe that you and your family should have a choice where and how to live, as well as who will provide care. We help people age and stay at home. www.visitingangels.com

When you need more assistance and some medical care.

Eagle Ridge at Grand Valley .................................................243-3381

Paonia Care & Rahabilitation Center ...................................527-4837

Willow Tree Care Center .......................................................874-9773

When medicine can no longer offer you a cure, hospice care can provide you comfort and support when you’re terminally ill. But what’s really cool is that hospice care can offer that support to your family and friends as well. While they can’t offer you a miracle drug, what they do offer is a miracle.

HopeWest .............................................................................. 241-2212HopeWest is dedicated to profoundly changing the way our community experiences serious illness and grief—one family at a time. The organization provides care in Delta, Mesa, Montrose, Ouray and Rio Blanco counties.

When it’s time to go you can always go in style.

Legacy Funeral Home .......................................................... 609-2233

Snyder Grand Valley Memorials, Inc. ..................................242-2020

Area Agency on Aging – Region 10 .................................... 249-2436

Mesa County Caregiver’s Conference .................................244-8400

St. Mary’s Foster Grandparent & Senior Companion Program ................................................ 298-9091

St. Mary’s Foundation ..........................................................298-7569

Western Colorado 211 .............................................2-1-1 or 244-8400


We Care Every Day, In Every WayBathing Assistance

Dressing AssistanceGrooming

Assistance with WalkingMedication Reminders

ErrandsShopping

Light HousekeepingMeal Preparation

Friendly Companionship

970.254.8888www.visitingangels.com/grandjunction

Each Visiting Angels agency is independently owned and operated.

®

Senior Homecare By Angels®

HOME CARE

By Ora Lee, Comfort Keepers

F amilies need to understand their options when it comes to paying

for senior care. But first, it’s important to understand the level of care you need. Senior care can range from a couple of hours a week to 24-hour skilled nursing care.

You may think that Medicare is the only option for long-term care, but Medicare only covers nursing and clini-cal care for acute conditions, usually following a stay in a hospital or reha-bilitation, or skilled nursing facility.

Rates vary on how much care will

New methods to pay for home care

cost. Generally 24-hour care in a nurs-ing home will be much more expensive than private in-home care. However, those rates also vary depending on how many hours a caregiver’s services are needed.

Your family has many options to as-sist you in paying for long-term care. In addition to Medicare, there are Medic-aid, Veterans Administration benefits, long-term care insurance and money from savings and other assets.

Medicaid - This program covers a limited amount of long-term, in-home care for those who qualify. Medicaid will only pay for in-home care if pro-

Rocky Mountain Health Plans (RMHP) understands the comforts of home, especially when you’re not feeling well. That’s why we provide Home Health services to our Members in Mesa County. Our Home Health team is committed to helping you get the care you deserve. We’ll work with you and your physician to come up with a plan of care that meets your needs and helps you heal. We focus on you and your wellness, because we know that’s what matters most.

For more information about RMHP Home Health call 970-244-7777.

We still make house calls.

2015 Beacon Senior Resource Directory Home Health ad.indd 1 7/29/2015 1:19:40 PM

WHAT HAPPENS TO MY MEDICARE IF I TRAVEL?Are you planning a trip and are concerned about health care while traveling?

Medicare Moment

Brought to you by the Mesa County RSVP Senior Health Insurance Assistance Project (SHIP) Sponsored by the Association of US West Retirees (AUSWR) and Mesa County RSVP

QUESTIONS? Call SHIP! 243-9839

Remember that Original Medicare (Parts A and B) will cover you for emergency and urgent care anywhere within the United States. And if you have a Medigap Plan, emergency services will be covered if they are provided by a Medicare Provider. It’s always best to check your policy language.

As for coverage under Medicare Part C (health plans under Medicare Advantage and Medicare Cost), check with your

provider. Many HMOs may offer emergency care benefits while you travel. Cost Plans generally cover sudden illness or injury while out of the coverage area and will have co-pays involved.Have fun on your trip! For your own peace of mind, check with your healthcare provider before you leave. You never know when you might need urgent care or end up in the emergency room!

Mesa County RSVP SHIP Navigators can help answer questions about Medicare subjects, including eligibility issues. Plan to educate yourself by attending one of the RSVP SHIP Medicare 101 sessions.


Call to get your FREE information packet 888.525.5111www.NuclearCarePartners.com

• • • •

• • • •

YOU HAVE A CHOICE IN YOUR HEALTH CARE

愀渀搀戀攀猀琀猀攀氀氀椀渀最Ⰰ 愀甀琀栀漀爀䰀愀甀爀愀圀愀礀洀愀渀

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vided by a Medicaid-certified home care agency, not by an independent, paid caregiver or family member. To find out about Medicaid eligibility and coverage for in-home care, call 1-800-221-3943 or visit www.colorado.gov. You can also contact the Area Agency on Aging in Mesa County at 248-2717, and Region 10 in Delta and Montrose at 249-2436.

PACE - The relatively new Program of All-Inclusive Care for the Elderly (PACE) provides comprehensive home and community care for frail elders who would otherwise require nursing home care. PACE is only available in certain areas and eligibility is restricted to low-income seniors, usually those eligible for both Medicare and Medicaid.

Veterans benefits - Veterans and the surviving spouses of veterans may be eligible for some in-home care assis-tance from the Department of Veterans Affairs, either through health benefits offered to veterans or in the form of a monthly cash benefit. If your loved one is housebound, these benefits may

be even higher. Comfort Keepers can provide help and information in apply-ing for these programs.

Long-term care insurance - If your loved one has a long-term care insur-ance policy, it may include coverage for in-home care.

Life insurance policy - Comfort Keepers can help families convert their life insurance policy into cash to help pay for in-home care, even a term life insurance policy.

Personal and family assets - There are several ways personal and fam-ily assets can be used to help pay for in-home care, including tapping into the equity in your loved one’s home and gathering contributions from those family members, who aren’t actively helping with daily care.

Reverse mortgage - This is a special type of home equity loan that allows you to receive cash against the value of your home without selling it. For most reverse mortgages you can choose to receive a lump sum payment, a month-ly payment, or a line of credit. You

continue to live in your home and you retain title and ownership of it. How-ever, you do not have to repay the loan as long as you continue to live in the home. Instead, the amount you owe, based on loan payouts and interest on the loan, becomes due when you or the last borrower, usually the last remaining spouse, dies, sells or permanently moves out of the home.

Uranium workers’ benefits - If you or a family member incurred a lung illness, kidney cancer or fibrosis silicosis within the last 60 years (even if the family member is deceased) and they worked as a uranium miner, uranium miller, worked at a processing plant or transported uranium between 1942 and 1971, they may qualify for $150,000 to $275,000 tax free. This compensation can include in-home care.

Comfort Keepers can help you de-cide what works for you. In Grand Junction, call 241-8818, and in Mon-trose and Delta, call 240-4121. ■


ASSISTED LIVING

By Teresa Ambord

A ssisted living communities can be a beautiful answer for those who

need it. Gorgeous new assisted living facilities have cropped up everywhere, as senior care has become a huge industry.

Unfortunately, as with most things worthwhile, it’s not cheap. A MetLife survey in 2012 said the average cost of a one-bedroom apartment in assisted living rose to $3,550 per month, and depending on where you live, the price can soar much higher. In some areas, the monthly cost is closer to $9,000.

Too often the families of seniors who are not well off place their hopes on some kind of financial help, like Medic-aid. But the rules for Medicaid qualifi-cation are strict and complex. Often a senior ends up between the rock (can’t afford to pay for private care) and the hard place (too financially stable to qualify for help).

Whatever you decide to do, you shouldn’t feel like you are compromis-ing quality of care in the interest of money, but obviously any arrangement you make must be affordable. So how do you balance cost and care? Do some serious homework.

1. Contact your Area Agency on Aging office and ask to talk to an advisor. In Mesa County, call 248-2717. In Delta and Montrose counties, call 249-2436.

2. Consider an assisted living facility outside your area. It’s generally advis-able to place your loved ones in facili-ties that are convenient for you to visit. But this could mean paying a great deal more. Driving 20 minutes to a suburb where there is a more affordable facility might be an easy trade off of conve-nience for price.

3. Consider a smaller living space. Obviously the larger apartments will cost more. My aunt was in an assisted liv-ing facility, that offered various sizes of apartments. Hers was tiny, yet more than enough for her. She had a small bed-room, a good-sized bathroom, a partial kitchen (all meals were provided), and a more than adequate living room/dining room area. She had a small front porch when she wanted to be outside, and her back door opened into a communal area where it was a short walk to the dining room and all kinds of activities. If your loved one does qualify for Medicaid, this will likely mean he or she must share living space with another Medicaid recipient.

4. Ask about move-in incentives. Often assisted living facilities will offer special deals to potential residents. Don’t be too proud to ask. They need to keep their occupancy high to be able to afford the quality personnel they require. So ask about discounts, such as lower rent, a waiver on the entry fee, the possibility of freezing the rent for a time. Don’t be afraid to negotiate.

5. Resist pressure. A facility that is most concerned about quality of care for your loved one will not try to pressure you. They will want you and allow you to take the time you need to make the best choice. If you are told there is a limited time offer for a certain price, beware. If you are told “Only one unit left!” or “This special rate is only available to the end of the month,” beware.

6. Look for a non-profit facility. This won’t necessarily be easy, since NPR reports 82 percent of residential care facilities are private for-profit organiza-tions. A study of price changes over the last several years showed the profit margin of for-profit facilities jumped

significantly, while at the same time, the payroll expenses fell. Does this mean you should avoid for-profit homes? Not nec-essarily, but keep in mind there is likely to be pressure from the admissions staff to make a quick decision. And check with people who live there or have loved ones there to make sure the staff is adequate.

7. Check inspection reports. Don’t judge this book by its cover. It may have terrific curb appeal to attract new residents while cutting costs on person-nel and other expenses. On the flip side, a facility that looks like it needs a facelift may offer the best care in the area. How can you know? Take a look at inspection reports available through your long-term care ombudsman. Or contact the local senior center and ask how to reach the ombudsman. While you are checking on the quality of care, check on the financial stability of a facility you are considering. Ask to see a copy of the annual report. Go online and find out if there have been any negative financial reports on the facility.

8. You might also ask if there is a waiting list. Some facilities are much bigger than others, and therefore the larger facilities might have a greater chance of available rooms. But regardless of size, there may not be any vacancies at the present time. If you are set on a specific facility, get on the waiting list as soon as possible.

9. Ask the facility for a list of refer-ences. Of course, you want to know what current and/or past residents and their families have to say about their ex-perience with the facility. What things did they like? What things did they not like? Their answers might be really helpful for you when you go to make your decision.

10. In addition to checking inspection reports, do your own investigation. Visit, visit, visit, and don’t always call first. If you’ve zeroed in on a facility, make many visits and go at various times of day. Also make at least one unannounced visit on an evening or weekend, or both. Visit during at least one meal and ask to taste the food. ■

Eliminate the surprise costs in an assisted living facility

While you are talking price, be sure you eliminate as many surprises as you can. There may be no intent to deceive, but prices do change and the residents themselves change, possibly requiring more care, and that could cost a bundle. If you move your mom into assisted living and a few months later find the bill has gone up, you will no doubt be distressed, even angry. Before you commit:

Ask about upfront fees, such as for assessment and community fees.

Ask what services are included in the basic rate. More importantly, ask what will cost extra. Suppose you are in the middle of a work meet-ing and get a call saying your mom has a cold and wants to have her meals brought to her room until she feels better. No problem, you say. But don’t forget to ask if this costs extra. If the facility is calling to get your permission, this is a sign you’ll pay more. A cold can last for weeks and you may get a bill significantly higher than you expect. To avoid nasty surprises, know in advance what will cost extra.

Ask if the facility will give you a costs and payment schedule before you sign.

Ask if you will be given a copy of the admission agreement to take home and study before you decide.

Ask what the cost will be if something significant changes. For example, your elderly dad is comfy in his new digs. But a year later he begins showing signs of dementia. At some point, he will require dif-ferent treatment and there’s a good chance he will have to move to a dementia unit. Know in advance how much this will cost and how the need for dementia care will be determined. It is possible the facility does not even provide such things as dementia care, which would mean another move.

10 tips for choosing an affordable assisted living facility


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“It’s the yellow pages for Garfield County seniors.”

• Mesa County • Montrose-Delta • Garfi eld County

NEW NAME FOR 2015

“It’s our yellow pages for seniors”

Get your FREE copies!Call 970 243-8829

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ASSISTED LIVING

243 N. Cherry Street • Fruita, CO • 970.858.2184 • fhw.orgNo one cares for you like Family.

Services provided by

A protected community for those with Alzheimer’s or dementia

Private apartments24/7 on-call nursing

Personal attention & assistance

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Regularly scheduled social events & outings

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Hospital & Medical Center

Openings available!

Three myths of senior living communities

By Dwayne J. Clark

I t’s difficult to overcome stereotypes of senior living communities. De-

spite the fact that the level of care and amenities have evolved significantly over the past decade, people still tend to think of senior housing as the “old folks’ homes” of the past: antiseptic, white-walled, linoleum-lined institutions with cold nurses, hot temperatures and nasty food. It’s no wonder then that people continue to buy into three myths about senior living institutions that are wrong.

Myth #1: All senior housing options are the same.

The reality is that today’s senior living industry is similar to the hotel indus-try, with a range of choices for every

lifestyle, need and budget. You can find low-end chains that offer only the very basics, similar to a Motel 6. There are family run operations set up in residen-tial homes like bed and breakfasts, and then there are high-end luxury options comparable to the Four Seasons.

Myth #2: Entering a senior living com-munity hastens “the end.”

Many seniors who could benefit from just a little added care are often found living alone, away from family, isolated and devoid of much human interac-tion. These seniors are perfect candi-dates for an assisted living community because once they are living in a place where they have access to medical care, personal assistance, medication man-

agement, good nutrition, opportunities for mental and physical activity, and a chance to make friends and socialize, they truly thrive.

Myth #3: Only the very wealthy and the very poor can afford to live in a senior living community.

The fact is that most retirement and assisted living communities are created to be affordable. The cost of assisted living needs to be carefully compared with the total ongoing costs of living at home. Additionally, as a parent or sibling ages, there are likely to be new costs, including outside help with laun-dry, housekeeping, home upkeep and meal preparation; medical equipment; home health care; and transportation for medical appointments and other necessities. These expenses, when taken in their entirety, are likely to be almost as much as or equal to the flat-fee monthly cost of an assisted living community. Most people are surprised when they realize that not only can their parents afford to live at one of

these communities, but they actually

have funds left over.

Some seniors, of course, won’t have

quite enough monthly income to pay

the total or to pay for incidentals and

will have to make use of their long-term

care insurance or begin to tap their

financial assets. In other cases, children

or siblings help pay for the difference.

What most aging seniors need is

some oversight by professionals who

understand their unique needs. They

need to be treated with kindness and

dignity. Seniors will find all of that in

abundance at today’s assisted living

communities and nursing homes. For

new residents, living away from the life

they’ve always known is an adjustment,

but more often than not, they quickly

realize that it’s a change for the better.

They soon realize that the three myths

about senior living communities are

just that. ■


Did you know the BEACON has a Facebook page? Like us! www.facebook.com/BeaconSeniorNews

By Tait Trussell

A t least 3.2 million people in this country will spend some time in

a nursing home this year. “Consumers must take a more active

role in pushing for higher quality care for family members and themselves,” points out Mary Jane Koren, M.D., M.P.H. She is chair of Advancing Excel-lence in America’s Nursing Homes.

To help member nursing homes improve, the Advancing Excellence campaign through its website furnishes technical assistance, online resources and other materials for nursing home staff and consumers.

Half the nation’s nursing homes have joined Advancing Excellence. If interested, you can get a copy of the campaign’s new guide at www.nhquali-tycampaign.org.

Here are key questions for a nursing home you may well want answered:1. What ongoing training is available to the staff? Continuing training helps staff learn new skills and methods for improved care. It can also translate into increased job satisfaction. This creates stable staffing and higher quality care.2. How many caregivers should each patient have? A patient should have

as few different caregivers as possible. Strong bonds are often developed between a patient and caregiver who consistently offers care for the resi-dent. Consistent care assignments are important for all residents, but they are especially important for patients with Alzheimer’s because they can easily become distressed when faced with someone unfamiliar.3. Is staff trained to handle special con-ditions, such as behavior of Alzheimer’s patients? They should understand that wandering and yelling are typical.4. What is your plan for pressure ulcer (bedsore) prevention? The skin, as with other parts of the body, can fail over time. Residents who can’t move by themselves are likely to have pressure sores. Bedsores can develop on heels, hips, ankles, elbows, shoulders, ears—wherever pressure is on the skin too long. Staff can prevent them when they inspect patients’ skin daily. Staff also should keep residents clean and dry from incontinence. Staff should make sure patients eat and drink nutritious food and fluids.

KEY QUESTIONS TO ASK THE NURSING HOME

5. How do you assess and treat resi-dents’ pain? Pain can be difficult to measure. Staff should inquire about pa-tients’ comfort and pain level daily. For someone with dementia, staff should watch for pain signs such as pacing or holding a body part, or grimacing.6. How are medications handled? Residents often take several drugs. Some are prescribed. Some are over the counter, such as vitamins. The more medications, the more possibility of po-tentially dangerous interaction. Nursing home staff should continually assess the complications of these drugs. Addition of any new medication needs monitor-ing by the nursing staff. Staff should notice sleepiness or confusion that could be caused by medications.

7. Are staff members familiar with your family member’s medical background as well as his or her preferences? Resi-dents and family members should share as much information as possible with staff. If a resident likes to eat early or listen to the radio, staff should know this.8. How are suggestions from family members handled? Collaboration with staff should be sought. If issues con-tinue to arise, alert the nursing home administration and attend the care-planning meetings to get more infor-mation.9. Does the nursing home have a long- range plan to improve care for every-one? How often are quality assurance meetings held? Does the nursing home have a specific plan to address potential problems? What issues are they cur-rently working on?10. Does the facility have a consumer satisfaction survey? If so, ask to see it. A high satisfactory rating by residents and families often correlates with higher quality care. ■

“Consumers must take a more active role in pushing for higher quality care for family members and

themselves,” points out Mary Jane Koren, M.D., M.P.H.


We are here when you need help! Just call us – 24 hours a day, seven days a week. (970) 241-2212 | HopeWestCO.org

Who is HopeWest?We are here for you when...You or your loved one is losing or has lost a significant someone. Grief always is difficult and doesn’t end when the funeral flowers have faded. HopeWest Grief Support offers professional counselors to walk with you along the path toward healing with one-on-one or group sessions, family programs and continued support for as long as it takes.

Serious illness strikes you or a loved one, and you need care and support but you aren’t sure where to turn for help. HopeWest will help provide the right care by the right providers at the right time to best help you and your family. Our physicians offer expert consultations, and coordinate the best plan for care.

ded icatedto profoundly changing the way our community experiences

serious illness and grief – one family at a time.

HOSPICE

By Claire Yezbak Fadden

I was at the medical center near my home when the administrator of my

mother’s board and care introduced the word “hospice” to me. In her gentle way, she was getting me acquainted with the term. I had heard the word before. It was used for situations that wouldn’t have a positive outcome. Just hearing her say “hospice” made me afraid. She and I were in the doctor’s office with my mom. For 10 years, my mother had suffered from Alzheimer’s disease and was in the late stages.

That’s when Mom’s doctor told us everything that could be done medi-cally was being done. “The truth is,” the doctor said, gesturing toward my 89-year-old mother, “we are moving in

the direction of comfort care.”Since that meeting, I have learned

a lot about hospice care. The most important lesson is that having hospice intervention for my mom didn’t mean that I had given up on her. It meant employing a level of care designed to improve her quality of life, even at its end. It meant that I sought optimal physical and emotional comfort for her in a way that minimized her pain. In fact, due in part to the efforts of the hospice care workers during the next 16 months, my mother’s quality of life improved. I believe their care extended her life.

What is hospice?Hospice dates back to medieval times

when travelers, the sick, wounded or

dying would seek a place for rest and comfort. Today, hospice offers a com-prehensive program of care to patients and families facing a life-threatening illness. Hospice is primarily a concept of care, not a place.

Hospice emphasizes palliative rather than curative treatment—quality rather than quantity of life. Its goal is to relieve and soothe the symptoms of a disease.

Who’s involved?Hospice care involves teamwork

between the caregivers and the fam-ily. Working with the patient and their family, a care plan is outlined. Emo-tional, spiritual and practical support is given based on the patient’s wishes. The hospice physician, nurses, aids, social workers, clergy and volunteers work together to ease the difficulties and uncertainties of the dying process.

How to decideAt any time during a life-limiting ill-

ness, it’s appropriate to discuss all of a patient’s care options, including hos-

pice. The requirements to be hospice-appropriate include:• The patient must be diagnosed with a

terminal illness by a physician.• The patient is considered to have a

life expectancy of six months or less, if the disease runs it normal course.

• The patients must sign a statement ac-knowledging that they choose hospice treatment over curative treatment.

Understandably, most people are un-comfortable with the idea of stopping aggressive efforts to beat the disease. Hospice staff are sensitive to these con-cerns and are available to discuss them with the patient and family.

Does insurance cover hospice care?Hospice coverage is widely available.

It is provided by Medicare and by most private insurance providers. Check with your health insurance provider.

Hospice affirms life and regards dying as a normal process. Its goal is to neither hasten nor postpone death. For information on hospice services, call HopeWest at 241-2212. ■

Understanding hospice care


BEREAVEMENT

When someone dies, you need to do…what?By Teresa Ambord

A loved one has died, the pro-nouncement of death has been

made, the body transported away. You know there are things you need to do, people to talk to and details to take care of, but where to begin?

Notify these people• Assuming the doctor was not present

or involved, let the physician know of the death. If there was no physician, Consumer Reports says to let the county coroner know.

• You’ll want to let family and friends know. You may call a few key people and ask them to call others for you.

• If the person was still working, let his or her employer know.

• If the person was an active member of groups like a lodge, senior center, or club, notify them of the passing.

The funeral and obituary The deceased may have made a pre-

paid plan for burial or cremation. Was the person a member of the military, religious group, or fraternal organiza-tion? They may have burial benefits or conduct funeral services.

You may need to prepare an obitu-ary. This is basically just a notice of the death, but you may like to mention the surviving family members, and churches or organizations the deceased

belonged to. Also, if the deceased had a favorite charitable cause, like an animal shelter, you could mention this in the obituary for people who would rather send a donation than flowers.

Death certificates and the will Consumer Reports says within

10 days of the death, ask the funeral home for multiple copies of the death certificate. Then you will need to contact:• The bank.• The life insurance carrier.• Social Security and pension services

that pay benefits to the deceased. They will need to stop benefits paid to him or her, but also this is the time to ask if there are survivor benefits.

• The investment advisor.• Utility companies and the post office

to stop service or forward mail. • A trust or estate attorney who will

advise you about transferring assets and help you with probate.

If there is a will, take it to the appropriate county or city office to begin probate.

Executor of an estate? Me? If you are the executor of the dece-

dent’s will, there are tasks to be done. Let’s say the deceased is your elderly widowed father. You may need to rifle

through his bills and other paperwork to see what is owed to keep from incurring late fees and interest charges. You’ll need to find the assets he owned to pay his debts.

If there is not enough money and other assets to pay what is owed, chances are the debts will be written off. However, if there are assets to be inherited they need to be sold to pay his debts. Consult an attorney before you do anything.

For large debts, like a mortgage, there may be insurance to pay it off, such as a life insurance policy.

Before any remaining funds can be distributed to heirs, the execu-tor will need to see to it that income tax returns and estate tax returns, if necessary, are filed, and the taxes due are paid. If you, the executor, do not ensure this gets done, the IRS can hold you personally liable for taxes that were owed, including penalties and interest.

More about taxesEven after death, the IRS wants to

hear from the decedent. A final tax re-

turn covering the period from January 1 through the date of death needs to be filed. It is due on April 15 the year following the death. If the person was married, the husband or wife will file as a surviving spouse, and the filing is not much different than if there had been no death.

If the person was unmarried, the return will be filed as usual, up to the date of death. If the tax return includes large medical expenses, which will not be covered by insurance, the accoun-tant needs to know this, along with other medical expenses incurred during the year. This is true even if the expens-es have not yet been paid.

Is an estate tax return needed? This is a question to ask your ac-

countant to be certain, however, in general, in 2015 an individual’s estate has to be worth more than $5.43 mil-lion before estate tax would be due.

If you are the executor of a sizeable estate, even if you believe no estate tax is due, talk it over with an attorney to be sure legalities are covered. ■

BEACON - Transitions in Aging 2015

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