A special supplement to The Daily Nonpareil Trainers can help you get fit at any age See Page 2 Scams by the season: Tips to keep your money safe from fraud See Page 5 March 2013 Better Better See what’s cookin’ at your area Senior Center See Page 11 This edition featuring . . . Staying Active Living Living
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A special supplement to The Daily Nonpareil
Trainers can help you get fit at any age
See Page 2
Scams by the season: Tips to keep your money safe from fraud
See Page 5
March 2013
BetterBetter
See what’s cookin’ at your area Senior Center
See Page 11
This edition featuring . . . Staying ActiveLivingLiving
You might think it sounds like something a young athlete would do, but getting a personal trainer could offer a senior citizen some important benefits.
Just an initial consul-tation could be very infor-mative, said Janielle Bell, a personal trainer at the Council Bluffs YMCA, 7 S. Fourth St.
“They’re probably going to learn where they stand health-wise – (body mass index), weight and percent body fat,” she said. “Once they have that, we’ll be able to (turn our attention) to what they need.”
“The main things that a trainer helps with are motivation, injury pre-vention and better and faster results,” said Shain, owner of Fit 4 Life Fitness Studio, 500 W. Broadway, Suite 100. “Injury is probably one of the main focuses with older people, just because it takes longer for them to recover if they get hurt.”
Workout-related inju-ries often happen when someone is not using proper form or is allow-ing their back to curve, he said.
At Fit 4 Life, an ini-tial appointment includes going over health indica-tors and setting fitness goals, Shain said. The trainer will ask about the person’s past exercise habits and how long it has been since they have had an active exercise
routine.“We have a big medical
questionnaire” that asks about heart problems, diabetes, medications and other health issues, he said.
But, again, one of the big advantages of a per-sonal trainer is being accountable to someone, he said.
Any exercise regimen needs to include both aer-
obics and strength train-ing, Bell said. If the senior sticks with the program designed by his/her per-sonal trainer, the person should see an improve-ment in his/her health in the form of lower blood pressure, a lower resting heart rate, lower risk of cardiovascular disease and perhaps less need for med-ication for those who are already taking blood pres-
sure or heart medicine.“I’ve seen someone come
off diabetes medication, even after a couple months of training,” she said.
In addition, the per-
son should experience increased range of motion, greater flexibility, an abil-ity to lift more and better endurance, Bell said.
An important side bene-fit is better balance, a stron-ger core and a reduced risk of falls, Shain said. Weight loss is a frequent goal.
“A lot of times, you may not see weight loss the first couple weeks,” but you should see it within 30 days, he said. “Generally, the first couple weeks are usually the most uncom-fortable.”
Inches usually come off faster than pounds, Shain said.
Ultimately, the results will depend on the client’s goals and commitment, he said.
“There’s many, many benefits,” Bell said. “It’s just a matter of them being consistent in what we have shown them and what they’re doing.”
2 Friday, February 22, 2013 The Daily NonpareilBetter Living
Trainers can help you get fit at any age
Staff photo/Kyle Bruggeman
Retired teacher John Kinsel, 62, climbs a stair machine at Fit 4 Life in Council Bluffs on Feb. 13. “Working out should be like brushing your teeth,” said Kinsel. “You should do it every day.”
Southwest 8 Senior Services is a member of the Iowa Association of Area Agencies on Aging (i4a). I4a is concerned that the most vulnerable and frail senior citizens in the state of Iowa are at risk of getting short-changed. This concern is based in the release of the governor’s budget for Fiscal Year 2014 which would reduce the amount of funding to the Iowa Department on Aging by $600,000.
The reduction will severely reduce the abil-ity of Area Agencies on Aging to provide sup-ports such as in-home meals, home health, case management, and trans-portation. These and other services are vital in allowing seniors to stay in their homes and to avoid unnecessary facility based care, and thereby they actually can reduce Med-icaid spending overall.
Barb Morrison, execu-tive director of Southwest 8 Senior Services states, “By the year 2030, 88 of Iowa’s 99 counties will have at least 20 percent of their population aged 65 or older. We need to prepare for the needs of this aging demographic in a sensible way that allows seniors to age with dignity on their own terms. We know that
seniors prefer to remain in their own homes, and we know that we can do that in a cost effective way with home and commu-nity based services, but a $600,000 reduction to the Department on Aging can severely limit the services for Iowa’s seniors.”
The Area Agencies on Aging are grassroots organizations that meet the needs of communi-ties and individuals. The agencies promote inde-pendence and support seniors in their desire to live where they choose with dignity and respect. It is estimated that if the $600,000 reduction goes into effect, close to 50,000 seniors will be affected. The proposed budget may mean the reduction of almost 90,000 meals for seniors in need. The res-toration of the $600,000 just returns the area agencies to current year funding. To fully make sure seniors don’t get short-changed, there are
84,604 units of unmet needs the area agencies compiled at the end of fiscal year 2012. This includes 19,763 transpor-tation rides, 17,155 hours of chore service, 14,092 meals and 23 other ser-vices. To fill these gaps in services an additional $2,912,496 is needed. This means the Depart-ment on Aging budget should be $13,849,629. In addition, this reduction in service funding comes at a time that senior services are facing pending cuts at the federal level through the sequestration process.
For more information on the impact of these cuts on the independence and choice for Iowa seniors in need, contact Southwest 8 Senior Services at (712) 328-2540 or (800) 432-9209, on the web at www.southwest8.org, the Iowa Association of Area Agen-cies on Aging at (515) 255-4004 or online at www.i4a.org.
– Southwest 8 Senior Services
Friday, February 22, 2013 3The Daily Nonpareil Better Living
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Trainers can help you get fit at any ageI4a: Seniors in need are at risk of getting short-changed
Women and Social SecurityDenise Jones
social security District Manager in council Bluffs
March is Women’s History Month.
The Social Security program treats all work-ers – men and women – exactly the same in terms of the benefits they can receive. But women may want to familiarize themselves with what the pro-gram means to them in their particular circum-stances. Understanding the benefits may mean the difference between living more comfortably versus just getting by in retirement.
One of the most sig-nificant things women need to remember about Social Security is the
importance of promptly reporting a name change. If you haven’t told us of a name change, your W-2 may not match the information in Social Security’s records and this could affect the amount of your future benefits.
Not changing your name with Social Secu-rity also can delay your federal income tax refund. To report a name change, fill out an Application for a Social Security Card (Form SS-5). You can get the form by visiting www.socialsecurity.gov, or any Social Security office or card center, or by calling
BENEFITS/See Page 12
Governor’s 2014 budget would reduce Iowa Department on Aging funding by $600,000
Ring! Ring! Who’s calling now?Last month we sent
press releases all across the state to quickly spread the word about a new round of suspicious calls; callers claimed to be from Medicare offer-ing news about Medicare changes or new Medicare cards or wanting to make home visits. Medicare officials never call you to give you news or offer a new card. So many peo-ple phoned Iowa Senior Medicare Patrol’s hotline and the Area Agencies on Aging to say they’d received suspicious calls, we could barely keep up with all the reports!
Already heard us say this before? Read on ... we have something new to tell you! After listening to these older Iowan’s stories, we did some research with our friends at SHIIP (Iowa Senior Health Insur-
ance Information pro-gram) and with Medicare directly. We found out some Medicare Advan-tage plans (the Medicare plans offered through private companies) have been contacting people enrolled in their plans, to discuss their general health and look for pre-ventive measures that might help improve or avoid chronic illnesses. Representatives of the health plans call and ask for permission to make a home visit.
Many health insurance companies that offer sup-plements to Medicare are
calling, asking to visit to describe the policies they carry in order to see if you’d like to become their customer.
Iowans are wise and getting very cautious about cold calls that mention Medicare; we might jump to a conclu-sion that a scammer is on the phone every time Medicare is mentioned. We just need to keep staying one step ahead! That means if a caller mentions Medicare, be sure to have them tell you exactly where they are calling from and what their purpose is.
If they say they are from Medicare or Social Security and want to give you news or a new Medi-care card – this is almost certainly a scam attempt.
If they say they are with your Medicare Advantage or prescrip-tion drug plan and you are worried about provid-ing information over the phone or question if the call is legitimate, tell the caller that you are going to hang up and call the number on your member ID card to verify what the call was about.
If they say they are with an insurance com-
pany, and you don’t have a policy with that com-pany, ask them what they’re selling, so you can decide if you want to visit with them. If you have a complaint with the behavior of an insurance salesperson, call SMP to learn who to contact to file a complaint.
You may contact Iowa Senior Medicare Patrol at 1-800-432-9209 or locally in Council Bluffs call Southwest 8 Senior Services at (712) 328-2540, Ext. 1032 to report a suspicious call or learn where to file complaints.
– Iowa Senior Medicare Patrol
4 Friday, February 22, 2013 The Daily NonpareilBetter Living
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Some scams are new and unexpected, but so many are so predictable. Here’s what to keep an eye out for this year – and next, and the year after that too.
Winter: The sweep-stakes swindles
Sweepstakes and lottery scams are a 365-day con-cern for older Americans, who are specifically tar-geted – and most likely to fall victim. Here’s how these scams work: You receive a series of let-ters and emails notifying you that you’re a winner. The problem is, you’re requested to pay process-ing fees or expenses to receive your jackpot and to “prove” your identity by providing personal infor-mation prized by identity thieves.
Scammers go after your money and identity all year. Know when to watch out for them.
Here’s what you should know:
• If you didn’t enter, you didn’t win. Period.
• You never have to pay anything upfront to redeem a legitimate prize.
• If you receive a par-tial-payment check for winning, it’s a scam.
• Foreign lotteries are not open to U.S. residents.
• Never provide per-sonal information such as a driver’s license or pass-port number.
• It’s a scam if the fine print lacks any of the following info: start and end dates; judging date; methods of entry, includ-ing judging criteria; type of proof of purchase required; description of prizes and approximate retail val-ues; legal disclaimers; and sponsor’s name and
address.Spring: The “Help me,
Grandma!” scamAs spring break begins
for many college students, con artists behind the noto-rious Grandparents Scam get to work. You may get a call that a beloved grand-child was arrested, hos-pitalized or has endured some other hardship that requires your money.
The usual request: Send a wire transfer (for bail, hospital bills, meal or travel expenses) to some-where in the United States or abroad. Don’t take the bait. Thousands of other loving grandparents have – and in the process lost
millions of dollars with their good intentions.
Authenticate any claims of a grandchild’s alleged trouble by calling the home or cellphone number to ensure all is fine. If the caller alleges to be a law-yer, police officer or doctor “helping” a grandchild in need, a five-minute online
search can verify the reported law firm, police station or hospital for a callback on your part.Summer: The “dialing
for diabetics” diversionHave you received a
phone call telling you that you qualify for free or dis-counted medical supplies for diabetes, heart disease or other conditions? Pay attention to that caller’s next line: “Before the sup-plies can arrive, I need to confirm your condition with your age, Social Secu-rity number and the name and phone number of your doctor.” It’s another scam-mer out to steal your iden-tity.
Don’t be fooled, no mat-ter what caller ID says. These offers – usually by unsolicited phone call but sometimes via email or letter – are attempts to extract personal informa-
tion from Medicare-age folks, whose names and numbers are gleaned from purchased lists.
It’s illegal for a medi-cal supplier to make unso-licited telephone calls to people who use Medicare unless you have given written consent to have that supplier call you, the call is about an item the supplier already provided to you, or you received delivered equipment in the previous 15 months. The same applies to telemar-keters calling on behalf of suppliers.
To be sure, legitimate businesses such as phar-macies or booths operated by a charity, health agency or association offer flu shots and other free ser-vices. But they will not ask you for revealing personal
Friday, February 22, 2013 5The Daily Nonpareil Better Living
Roger Carlon,InvestmentRepresentative
29 S. Main, Suite 2Council Bluffs, IA 51503
(402) 449-0942
Member FINRA/SIPC
Scams by the season: Tips to keep your money safe from fraud
SCAMS/See Page 10
Submitted photo
7th Donald & Loretta Bartelsen Missouri Valley 62 yrs17th Bill & Dorothy Shannon Harlan 67 yrs20th Dick & Donna Maines Villisca 62 yrs 26th Don & Carolyn Lantz Stanton 58 yrs27th Clayton & Dorothy Johnson Stanton 64 yrs
j Anniversaries j Anniversaries j Anniversaries
6 Friday, February 22, 2013 The Daily NonpareilBetter Living
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Friday, February 22, 2013 7The Daily Nonpareil Better Living
Your home is best and Immanuel Pathways can help you continue living there for as long as possible.
Our program provides a comprehensive system of health care. The model of service is PACE: Program of All-inclusive Care for the Elderly. Our program includes primary, acute and long-term health care as well as adult day services and transportation. Services are provided in the home, in the community and at our PACE Center.
PACE participants may be fully and personally liable for the costs of unauthorized or out-of-PACE program services. Emergency services are covered. Participants may disenroll at any time.
For complete program details and benefits, please call 712-256-PATH (7284).
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1702 North 16th StreetCouncil Bluffs, IA 51501712-256-PATH (7284)
www.immanuelpathways.org
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Mary Jane Steenhausen celebrates her retire-ment after serving 15 years as the Senior Center Manager at Irwin. She will be missed by everyone at the center and at Southwest 8.
Submitted photo
8 Friday, February 22, 2013 The Daily NonpareilBetter Living
I knowhealth insurance.
Patricia N ThomasFARM BUREAU AGENT900 Woodbury Ave Suite 7DCouncil Bluffs, IA 51503712-256-5520
Products available at Farm Bureau Financial Services
Wellmark Blue Cross and Blue Shield of Iowa is an Independent Licensee of the
Blue Cross and Blue Shield Association.
300 W. Broadway, Suite 114Council Bluffs, IA 51503
(712) 325-6802Glenwood Hospice House
357 Indian Hills Drive,Glenwood, IA 51534
(712) 527-4660www.hospicewithheart.org
Oakland Senior Center618 N. Hwy(712) 482-3353M-F 12 p.m.
Missouri ValleySenior Center100 S. Fourth St.(712) 642-3215M-F 11:30 a.m.
Glenwood Sr. Center20 N. Vine St.(712) 527-4213M-F 11:30 a.m.
Harlan Senior Center*706 Victoria (712) 755-2757M-F 12 p.m.
Irwin Senior Center520 Ann St. (712) 782-3367M-F 11:30 a.m.
Logan Senior Center108 W. Fourth St.(712) 644-2229M-F 12 p.m.
Malvern Senior Center201 E. Fourth St.(712) 624-8985 M-F 11:30 a.m.
The following centers are affiliated with the Southwest 8 Nutrition Department. Meals from Southwest 8 Senior Services Senior Centers follow the menu on the last page of the Better Living Courier, and meals are based on a suggested contribution of $3.25 to
individuals age 60 or older. For the following centers please make meal reservations at 11 a.m. one day in advance.
Villisca Senior Center312 S. Third Ave.(712) 826-5182M-F 11:30 a.m.
The following centers are not affiliated with Southwest 8 Senior Services:
Shenandoah Senior Activity Center405 W. Sheridan Ave. (712) 246-2002, M/W/F 12:30 to 4 p.m.; T, Th 9:30 a.m. to 4 p.m. Meal 2nd Wednesday of the month.
Please note: the Lakin Campus, Shenandoah (Meal Site) and Hamburg Senior Centers have closed, contact Southwest 8 at 1-800-432-9209 with questions.
Atlantic Senior Center411 Walnut St.(712) 243-3599M–F 9 a.m. to 4p.m.; Meals served Tues./Wed./Thurs., 11:30 a.m.
Carter LakeHello from Carter
Lake. Spring is right around the corner so we have finished up with the bowling and mov-ies. We will be starting
croquet soon. I will have the dates for that in the April newsletter. April will also be the last noon birthday celebration! We will begin having our birthday celebrations at dinner time (5 p.m.)
starting in May.Here are some of the
things that we have going on in March:
• We will have
goingS on
CARTER LAKE/See Page 9
Flexibility, Mobility, Sta-bility classes on Friday mornings at 10:30 a.m.
• Monday, March 11, is the blood pressure clinic at 10:30 a.m.
• Wednesday, March 13, is crafts at 10:30 a.m.
• Thursday, March 14, is our birthday celebra-tion at noon.
• Wednesday, March 20, is Site Council.
And don’t forget, March 10 marks the beginning of Daylight Saving Time! Be sure to spring your clocks for-ward when you go to bed on Saturday, March 9.
HarlanSpring is in the air,
and we have lots of activities going on in March at the Harlan Senior Center.
• March 11 – Alzheim-er’s Support Group at 9 a.m.
• March 12 – Movie Day at 9:30 a.m.
• March 14 – Senior Council at 9:30 a.m.; Evening meal with entertainment from Tiarks Dance Studio at 6 p.m. (performance at 7 p.m.)
• March 18 – St. Pat-rick’s Day Rally Noon Meal with prizes and entertainment by Helen Warren.
• March 21 – Myrtue Clinic Blood Pressure Checks at 11:30 a.m.
We will end the month with our evening meal at 6 p.m. and entertain-ment by Janet Leader at 7 p.m.
As it is Nutrition Month, we will devote a great deal of time to good nutrition all month long, in discussion and presentations! In addi-
tion, our regular groups will continue to meet.
Crafts will meet on Mondays and Fridays at 9 a.m.
Wii games on Wednes-
days at 9 a.m.Bingo at 1 p.m. on
Wednesdays.Dominos on Thurs-
days at 1 p.m.Card groups each
afternoon at 1 p.m.Men meet in the pool
room for pool and cards.So you can see, we’ve
got a lot going on at the Harlan Senior Center!
Friday, February 22, 2013 9The Daily Nonpareil Better Living
LEGAL SERVICESDIRECTORY
The determination of the need for legal services and the choice of a lawyer areextremely important decisions and should not be based solely upon
advertisements or self-proclaimed expertise. This disclosure is required by rule ofthe Supreme Court of Iowa. A description or indication of limitation of practicedoes not mean that any agency or board has certified such lawyer as a specialistor expert in an indicated field of law practice, nor does it mean that such lawyeris necessarily any more expert or competent than any other lawyer. All potentialclients are urged to make their own independent investigation and evaluation of
any lawyer being considered. This notice is required by rule of theSupreme Court of Iowa.
Consult these local attorneys for all
your legal needs.
TELPNER, PETERSON, SMITH,RUESCH, THOMAS & SIMPSON
Attorneys At Law25 Main Place, Suite 200 • Council Bluffs
All Attorneys Licensed in Iowa & Nebraska
325-9000 • www.telpnerlaw.com
Charles L. SmithJack E. Ruesch
Walter P. ThomasShannon Dell ‘Orfano Simpson
Nicole Engelhardt
Charles L. SmithJack E. RueschWalter P. Thomas
Shannon Dell ‘Orfano SimpsonNicole HughesAimee L. Lowe
TELPNER, PETERSON, SMITH,RUESCH, THOMAS & SIMPSON, LLP
goings onCARTER LAKE/From Page 8
information.Autumn: Medicare
open enrollment consMedicare scams occur
year round, but they dra-matically spike starting in mid-October, when open enrollment begins. During this period, iden-tity thieves ramp up various ruses to get you to reveal your Medicare number – which is your Social Security number.
The most common ploys: cold-calling those who are retirement age. Scammers collect their names, ages and phone numbers from public telephone directories or purchased lists. The fraudsters then claim that Medicare is issu-ing new cards, entitle-ments or refunds that can be redeemed only if you provide or “verify” your Medicare eligibil-ity. Some crooks also ask for credit card or bank account numbers.
Don’t believe it. Medi-
care will never phone or email you to ask for such information. The only time Medicare will request verification is if you initiate contact. Don’t trust caller ID, which can be manipulated with “spoofing” products or Internet-based phone lines to display whatever phone number or organi-zation they choose.
These scams are hap-
pening all the time, all around Iowa – so folks, do not fall for these scams and tell every retired per-son you know, to be on the lookout. Medicare officials are interested in knowing about the Medicare card scam calls, so you may call Iowa Senior Medicare Patrol at 1-800-423-2449 to report if you receive such a call.
– Sid Kirchheimer, AARP Bulletin.
Better Living (Senior Courier) is a publication of The Daily Nonpareil and Southwest 8 Senior Services, Inc., the Area Agency on Aging for southwest Iowa.
The publication is dis-tributed by The Daily Nonpareil to approxi-mately 17,000 house-holds in Pottawattamie, Mills and Harrison coun-ties.
An additional 8,000 copies are distributed through a volunteer distribution network to people age 60 and older in Cass, Fremont, Mills, Montgomery, Page and Shelby counties in Iowa.
Address all correspon-dence to: Better Living/Courier Coordinator, Southwest 8 Senior Ser-vices, 300 W. Broad-way, Suite 240, Council Bluffs, IA 51503; or call (712) 328-2540 or toll-free at (800) 432-9209; or you can contact us via the Web at www.south-west8.org.
Advertising Information
The Daily Nonpareil of Council Bluffs repre-sents the Better Living section.
Advertising rates are available by contact-ing retail advertising at (712) 328-1811.
The advertising dead-line for the next issue is the 13th day of the month prior to the run-ning of the ad.
Policy BoardCass County: Bur-
ton Conn; Fremont County: Christina Hankins; Harrison County: Rollie Rob-erts; Mills County:
Terry Amburn; Mont-gomery County: John Waltz; Page County: Open; Pottawatta-mie County: Mari-lyn Schroeder; Shelby County: Dwight Zim-merman.
Advisory CouncilCass County: Dorothy Teig, Kris Wernimont; Fremont County: Open, Open; Harrison County: Keith Oliver, Evelyn Lynch; Mills County: Rose Schoening; Sheri Bowen; Montgomery County: Open, Open; Page County: Open, Open; Metro Pottawatta-mie County: Nancy Coziahr, Bob Neuman, Gary Frederiksen, George Gillespie; Jean Palensky; Rural Pottawattamie County: Gale Brown; Julie Handbury; Shelby County: Open, Open.
10 Friday, February 22, 2013 The Daily NonpareilBetter Living
One Edmundson Place, Suite 500, Council Bluffs • 712-323-533316221 Evans Plaza (S. of 162nd & Maple), Omaha • 402-991-9958
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Better Living Keep your money safe from scammersSCAMS/From Page 5
Friday, February 22, 2013 11The Daily Nonpareil Better Living
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Social Security’s toll-free number, 1-800-772-1213 (TTY 1-800-325-0778). You must show us certain identity documents, includ-ing one recently issued to prove your legal name change.
If expanding your family is in your plans, it’s a good idea to apply for a Social Security number for your baby in the hospital, at the same time that you apply for your baby’s birth cer-tificate. Social Security will mail the card to you. If you wait, you must then sepa-rately provide evidence of your child’s age, identity, and U.S. citizenship status as well as proof of your identity. Then, we must verify your child’s birth record, which can add 12 weeks to the time it takes to issue a card.
When women start receiving Social Secu-rity retirement or disabil-ity benefits, other family members may be eligible for payments as well. For example, benefits can be
paid to a husband:• If he is age 62 or older;
or• At any age, if he is car-
ing for your child (the child must be younger than 16 or disabled and receiving Social Security benefits on your record).
Benefits also can be paid to unmarried children if they are:
• Younger than age 18;• Between 18 and 19
years old, but in elemen-tary or secondary school as full-time students; or
• Age 18 or older and severely disabled (the dis-ability must have started before age 22).
The family of a woman who dies may be eligible for survivors benefits based on her work.
For more information about women and Social Security, ask for the pub-lication, What Every Woman Should Know (SSA Publication No. 05-10127) or visit our spe-cial Women’s page online at www.socialsecurity.gov/women.