Betty Berry Senior Advocate

Be aware of safety when vacationing in hotels

Tue, 31 Jan 2012 17:33:00 GMT

Q: I am taking my first vacation since being widowed and will be staying alone at several locations. Do you have hotel safety tips?

A: Ask for a room near the elevator rather than down an isolated hallway. Don't accept a room with only a single lock or without a peephole. While in your room, always use the dead bolt or chain lock.

Never open your door without knowing who is on the other side. If it is someone claiming to work at the hotel, call and verify that an employee has been sent to your room. If it is an unexpected delivery, ask that it be left at the front desk.

Use the hotel safe for valuables rather than leaving them unattended in your room or carrying them.

Never disclose your room is unoccupied. Don't display your room key or give out your room number in public areas. Also, don't show large amounts of cash or an overstuffed wallet. Keep small bills in your pocket to pay for incidentals.

Get to know the locale. Ask whether there are areas you should avoid. When returning to your hotel, always use the main entrance.

When you check into your room, take a few minutes to acquaint yourself with fire exits.

Q: I am a caregiver for an aunt and am finding I have given up all outside activities and friends. I have questions about handling this responsibility. Where might I get answers?

A: The theme of Senior Concerns' seminar series, "Solving the Aging Puzzle," is "The Caregiving Rollercoaster — Caring for the Caregiver."

The next presentation is "The Loneliness of a Caregiver," from 4 to 5:30 p.m. Feb. 14 at the Senior Concerns' Day Care Center, 401 Hodencamp Road in Thousand Oaks.

Lisa Hayden, a research psychologist, will give advice for family caregivers on how to avoid isolation while caring for loved ones.

She will address the benefits of support groups and how meeting with other caregivers makes the job less overwhelming. She will also emphasize the need for respite care for the caregiver.

There will be time at the end of the talk for audience questions.

Reservations are suggested and can be made by calling Senior Concerns at 497-0189. Walk-ins are welcome if seats are available.

If you need respite care for a senior so you can attend the seminar, you can arrange for that care at the center when making your reservation. Reservations for respite care are required.

The rest of the series will include "Balancing Family, Work and Caregiving" and "When It's All Said and Done."

Earlier presentations in this series have been well- attended by caregivers and those who will someday be caregivers.

HAPPENINGS

Feb. 8: "Let's Look at Our Driving Abilities" seminar from 1:30 to 3 p.m. at Westlake Village Civic Center, 31200 E. Oak Crest Drive. For information, call 495-6250. No reservations required.

Feb. 22: Advocate one-on-one counseling services from 9 a.m. to 1 p.m. at Moorpark Active Adult Center, 799 Moorpark Ave. For information or an appointment, call 517-6261.

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What are the signs of criminal activity?

Tue, 24 Jan 2012 16:58:00 GMT

Tuesday, January 24, 2012

Q: We are constantly being told that if we see suspicious people or activities, we should report them. I'm not sure I know what a suspicious person looks like. Do you?

A:There is no particular description of a suspicious person. Generally, anyone who seems out of place for an area, time of day or an event could be considered suspicious. His or her presence might indicate present or future criminal activity.

An unknown person seen entering a neighbor's side or backyard or peering into windows would appear to be out of place.

The occupant of a parked vehicle watching a house or business could be a lookout for criminal activity in progress. Also, vehicles slowly cruising through a neighborhood could be casing the area for burglaries.

A door-to-door solicitor might be someone trying to see whether residents are at home. While we have been told to ignore such knocks on the door, we are now being advised to ask, through a locked door, who it is and what the person wants. An unanswered knock could result in a break-in attempt.

Abandoned vehicles might have been stolen, while those in remote areas could be connected to drug or alcohol use.

A person switching vehicles, especially in a public place, might be dumping a stolen vehicle or one used during a crime.

Although some suspicious situations could result in innocent explanations, report what you think might be criminal activity.

If you hear noises such as gunshots, screaming or fighting, report them immediately.

When you report suspicious activity, do your best to describe what happened, where and when it happened and whether anyone was injured.

If a vehicle is involved, a description and, if possible, the license number should be included. If you can, report how many people were in the vehicle and their sex. If you see the vehicle leave a scene, note the direction of travel.

When reporting a suspicious person, describe the clothing worn and unusual characteristics such as glasses, a beard, jewelry, scars or tattoos. If the person has left the scene, report the direction of travel and mode of transportation, if you can.

Q: Will the Senior Advocate series at the Westlake Village Civic Center be continued this year?

A:It will begin again next month. "Let's Look At Our Driving Abilities" will run from 1:30 to 3 p.m. Feb. 8.

The seminar will address physical and mental changes that occur over time and will present ways to compensate for these changes. Through group participation, attendees will collect ideas on how to remain good drivers and enjoy the independence of having a driver's license.

The Civic Center is at 31200 E. Oak Crest Drive in Westlake Village. No reservations are required. Call the advocate's office at 495-6250 for more information.

Happenings

Today: Advocate's one-on-one counseling services, 9 a.m. to 1 p.m., Moorpark Active Adult Center, 799 Moorpark Ave., Moorpark.

Today: "Will You Pass Your Next Driving Test?" seminar, 1:30 to 3 p.m., Simi Valley Senior Center, 3900 Avenida Simi, Simi Valley.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org. (Please include your telephone number.) You are invited to submit questions on senior issues.

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Senior advocate Betty Berry: Seminar to focus on lifestyle choices

Tue, 17 Jan 2012 18:18:00 GMT

By Betty Berry, Tuesday, Jan. 17, 2012

Q: I am interested in finding information on presentations that are of general interest. What do you see on the horizon?

A:The Conejo/Las Virgenes Future Foundation will present its eighth Senior Congress on Feb. 1.

The seminar, "Eat, Play, Sleep: Healthy Senior Living," focuses on how lifestyle choices lead to a happier, more healthful life in your senior years.

The program will have four segments:

Why are our choices important?

What are the pros and cons of food choices?

How do social activities benefit us?

Too much sleep? Too little sleep?

The forum will take place at St. Maximilian Kolbe Catholic Church, 5801 Kanan Road — corner of Kanan and Lindero Canyon Road — in the Conejo Valley. Door and exhibits will open at 8:45 a.m., and the program will be from 9:30 a.m. to 2:30 p.m.

Admission is free, and a light lunch will be provided. Reservations are required by Jan. 25. They may be made by email at info@clvff.org or by calling 818-880-1054. Email responses are preferred.

Q: I retired before age 65 and have health care benefits from my employer. Will this be considered a Medicare supplement when I turn 65 and go on Medicare?

A: Since you are not yet 65, your employer-provided health benefit is your primary health care coverage. When you turn 65 and go on Medicare, any benefits from your employer will become secondary coverage but may or may not provide the same benefits as a Medicare medigap (supplemental) plan.

Employers' retirement plans differ from the state-regulated Medicare supplemental plans. They do not necessarily provide the same services because coverage depends on the contract between the employer and the insurer.

Coverage also will vary depending upon whether the plan is a fee-for-service, managed-care or a preferred provider network.

To determine adequacy of the coverage, consider:

What will the plan pay after Medicare has paid?

Does the plan pay for services Medicare does not cover?

Will the plan cover you if you move to another city or state?

Are there annual or lifetime limits on benefits?

Is there a choice of plans?

What is the ongoing cost to you?

Read your benefits booklet or health care policy carefully because these types of plans are changing rapidly. For unsolved questions, call the employer's human resources department.

Once an employer's plan is given up, reinstatement is almost always impossible. Depending on what the plan offers and what the cost is, continuing the plan as well as buying a supplemental policy is sometimes advantageous.

Happenings

Sunday: Goebel's Antiques and Collectibles Bazaar at Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, 10 a.m. to 3 p.m. General admission is $5. Call 381-2744 for information.

Jan. 25: Advocate one-on-one counseling services at Moorpark Active Adult Center, 799 Moorpark Ave., 9 a.m. to 1 p.m. Call 517-6261 for information or an appointment.

Jan. 25: Seminar — "Will You Pass Your Next Driving Test?" — at Simi Valley Senior Center, 3900 Avenida Simi, 1:30 to 3 p.m. Call 583-6363 to make reservations.

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Goebel Senior Center event will evaluate collectibles and antiques

Tue, 10 Jan 2012 20:46:00 GMT

By Betty Berry, Tuesday, January 10, 2012

Q: During the past few months, I have been helping a friend get rid of clutter in her home. We've come across items that may be collectibles or antiques and are looking for a good source to evaluate them. Do you have any resources?

A: An upcoming event could be the answer to your need.

Goebel's Antiques and Collectibles Bazaar is scheduled for 10 a.m. to 3 p.m. Jan. 22 at the Goebel Senior Adult Center, 1385 E. Janss Road in Thousand Oaks.

There will be three antique evaluators to answer questions about items, and there also will be antique vendors.

In addition, there will be door prizes and a silent auction. If you get hungry, jumbo hot dogs and pulled-pork sandwiches will be available.

General admission is $5, and evaluation of each item is $5. Call 381-2744 for more information.

Q: It seems like I've been renewing my license by mail forever, and now I have a notice telling me the current renewal must be at the Department of Motor Vehicles office. Why? Also, I'm sure I'll have to take a written test. Any suggestions for success?

A: You've asked two very good questions.

Many of us have enjoyed the luxury of renewing our license by mail. However, according to the DMV, several conditions can preclude a person from having that opportunity.

If you have a probationary license or a "failure to appear" on your record in the past two years, you will not be issued a renewal by mail. Also, if you have been suspended from driving due to an illegal blood-alcohol content level in the past two years or if your record has a violation point count greater than 1, you'll be invited to the DMV office for renewal of your license.

You also will be asked to renew your license in person if you are over 70 or have received two consecutive four- or five-year extensions.

When renewing your license in person, be prepared to take an eye test and the written test. You also will have to have your picture taken and give a thumbprint or fingerprint.

Whether you want to believe it or not, the DMV wants you to pass your test. However, you have the responsibility to be prepared.

If you are due to have your regular vision checkup, arrange to do it before it's time to renew your license. If you need new glasses to improve your vision, you'll be wearing them when you take the test. If you do have new glasses, make sure you are accustomed to them before taking the test.

To prepare for the written test, get the current California driver handbook from your local DMV office. Everything you will be tested on is in this manual.

You will need to study the entire handbook. When studying, you may want to make notes in the margin or underline certain points. Reading aloud sometimes helps. Take a sample test or two after reading the book. For questions missed, go back and review the section.

Don't try to study while doing another task that requires concentration or for long periods at a time. Take a break after about 30 minutes.

Get a good night's sleep the night before and arrive in plenty of time for your appointment. Make sure you have your license, a working writing instrument and your glasses, if applicable. If you wear a hearing aid, make sure the batteries are good.

Go in with a positive attitude, and you will do fine.

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Longevity, not birthrates, fueling population growth

Tue, 03 Jan 2012 22:53:00 GMT

By Betty Berry, January 3, 2012

Q: It was announced last fall that the world population would reach 7 billion. Do any studies show details about these people?

A: Such statistics are tracked and reported by many sources, such as the U.N. Population Division and the Census Bureau.

Reports showed birthrates are not up. Longevity is on the rise, and part of what is happening is a global aging trend. With average life expectancy increasing, it is expected that people 60 or older will outnumber those 15 and younger by 2045.

There are also some sex gaps. There are 100 women 60 and older for every 83 men in that age group. Eighty percent of men 60 and older are married, and 48 percent of older women are. More older women live alone than men.

The fastest-growing portion of the population is the 80-and-older group, which is growing at about 4 percent a year. Women make up 81 percent of the world's centenarians.

Q: My mother is moving to California from another state. I need to know what steps to take to make sure her Social Security benefits will be delivered properly.

A: You didn't indicate whether your mother receives her Social Security benefits in check form or by automatic deposit. If she still receives her benefits in check form, change to automatic deposit now. (It will be required in March 2013.)

If she receives her benefits in check form, she must tell Social Security of the new address. Because it will take at least 30 days for the change to take effect, give the post office her change-of-address information so that if a check is mailed to the former address, it can be forwarded to her new location.

To complete an address change for automatically deposited benefits, you must do three things.

First, your mother must open an account at a new financial institution.

Next, arrange to have the benefits deposited in that account by giving Social Security the financial institution's routing information and her account number. Also provide Social Security with your mother's new mailing address for other correspondence.

Last, your mother must keep her current account open until the new account has been credited with a monthly deposit. If you close the old account before the change-of-address transaction is completed, there will be nowhere for the automatic deposit to be directed, and it will be returned to Social Security.

Happenings

Tuesday: Solving the Aging Puzzle's third presentation in the Caregiving Roller Coaster Series — "Who Can Help?" — will be from 4 to 5:30 p.m. at the Senior Concerns Day Care Center, 401 Hodencamp Road, Thousand Oaks. Call 497-0189 for information or reservations.

Jan. 25: Advocacy one-on-one counseling services will be offered from 9 a.m. to 1 p.m. at the Moorpark Active Adult Center, 799 Moorpark Ave., Moorpark. Call 517-6261 for details or an appointment.

Jan. 25: "Will You Pass Your Next Driving Test?" seminar will be offered from 1:30 to 3 p.m. at the Simi Valley Senior Center, 3900 Avenida Simi, Simi Valley. Call 583-6363 for reservations.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; call 495-6250 or email betty@seniorconcerns.org. (Please include your telephone number.) You are invited to submit questions on senior issues.

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Exploring resources for caregivers

Tue, 03 Jan 2012 19:42:23 GMT

By Betty Berry, Dec. 27, 2011

Q: I have been attending the Senior Concerns seminars for caregivers. The last presentation was in November, and we were told the series would continue in January. Do you have particulars on the next presentation?

A: Solving the Aging Puzzle's third presentation in the Caregiving Rollercoaster series — "Who Can Help Me?" — will be from 4 to 5:30 p.m. Jan. 10 at Senior Concerns Day Care Center, 401 Hodencamp Road in Thousand Oaks.

It will be facilitated by Christy Cantrell, information and assistance specialist for the Ventura County Area Agency on Aging, and Lori Bliss, Senior Concerns case management coordinator.

They will discuss caregiver support, what to look for when selecting in-home care and financial aid resources.

The presentation also will provide information about legal resources, types of long-term care and how to pay for it.

There will be time at the end of the presentation for audience questions.

Reservations are suggested and can be made by calling Senior Concerns at 497-0189. Walk-ins are welcome if seats are open.

If you need respite care for a special-needs senior to attend, you can make arrangements at the center when making your reservation. Reservations for respite care are required.

Other talks in the series will be February's "The Loneliness of a Caregiver," March's "Caregiving for the Caregiver," "Balancing Family, Work and Caregiving" in April and "When it's All Said and Done" in May.

Q: At the start of each year, I get confused about the Medicare Part B deductible. I see several doctors and never know which one I should pay. There must be a simple explanation. Can you provide one?

A: The key to understanding the puzzle appears in the Medicare Summary Notice.

The Medicare Part D deductible is applied on a "first claim received, first claim applied to the deductible" basis. In other words, when the new year begins, Medicare will apply your first claim or claims received to your deductible until the full deductible has been satisfied. The first claim Medicare receives may or may not be from the first doctor you saw in the year.

Your summary notice will show you which provider's services Medicare applied to the deductible, the amount of the deductible owed to that provider and how much of the deductible has been met for the year. The provider will bill you for the amount owed.

Once the deductible has been satisfied, the next summary notices will state that your deductible has been met for the year and Medicare will start to pay its portion of new claims.

Your provider has the option to request the deductible amount at the time of your visit because the status of your deductible may not be known at the time of your appointment. I suggest you wait until you get your summary notice before making any payment. Better still, wait for a doctor's bill.

Final thought

I would like to take this opportunity to wish all of my readers a very happy and safe new year.

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Take precautions to deter burglars

Tue, 03 Jan 2012 19:31:50 GMT

By Betty Berry, Dec. 20, 2011

Q: It seems like there are more break-ins than ever. Do you have suggestions on how to make my home more secure?

A: I did some research on your question and was surprised to learn how lax many people are about their safety. I was told more than one-third of residential burglaries are not truly break-ins but entries through an unlocked windows or doors. For starters, use your locks.

You didn't mention whether you live in an apartment or house, so some of these suggestions may be helpful to others but not to you.

All exterior doors, including doors into an attached garage, should have high-security deadbolts and keyed knob sets.

The exterior doors should be solid and door frames in good condition so doors fit snugly. If you can't see outside from a nearby window, the door should have a peephole.

The movable panel on sliding doors — the slider — always should be on the inside so a bar can be placed in the track. A lock at the top of the door will add security.

Windows should have high-quality locks. Sliding windows, like sliding doors, should have bars in the tracks.

If you have just moved, if you lose a key or if your keys are in the possession of someone you don't want to have access to your home, get your locks rekeyed.

Make sure you lock up securely every time you leave the house. While you are home, all outside doors should remain locked.

Never hide house keys in a mailbox, in a planter or under a doormat. Burglars know where to look.

Lighting discourages intruders. Make sure all entrance areas and yards are well-lit. Turn on these lights whether you are home or away.

Leave on several interior lights when out. Your home will look occupied.

Doors and windows should not be hidden by overgrown shrubbery. Prune it back and remove any tree limbs that would give an intruder access to second-story windows.

An added note: Many automobile thefts are made easy by people who leave windows open, doors unlocked and in many cases, the keys in the ignition. Always lock your car and take your keys with you, even when you are parked in your driveway.

Q: Many people must use electronically operated life support equipment. Does any program assist with this expense?

A: Yes. Southern California Edison has a Medical Baseline Allocation program.

The program may be available if someone in the home needs the regular use of electric life support equipment or has a qualifying illness. If the applicant qualifies, the portion of the household electricity used for the life support equipment will be billed at a lower rate.

To start the qualifying process, the patient and his or her doctor must complete a two-part application. Once the program is in place, the applicant must keep Edison informed of changes in type of equipment or number of hours it is in use.

Call Edison at the telephone number shown on your electric bill for more information.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior assistance offered at multiple sites

Tue, 03 Jan 2012 19:29:58 GMT

By Betty Berry, Dec. 13, 2011

Q: I have used Senior Concerns advocacy services at the Goebel Senior Adult Center in Thousand Oaks and wonder whether those services are available elsewhere.

A: The services also are available at the Simi Valley Senior Center and will be available beginning in January at the Moorpark Active Adult Center.

Advocates can assist with questions about housing, transportation, legal issues, health issues, in-home care, facility placement, senior programs and assistance programs. Advocates also help complete forms and applications for programs and services.

The services at the Moorpark center, 799 Moorpark Ave., will be available from 9 a.m. to 1 p.m. on the fourth Wednesday of each month starting Jan. 25. Call 571-6261 for more information.

The advocacy services will continue to be available at the Simi Valley center, 3900 Avenida Simi, from 9 a.m. to 4 p.m. Wednesdays. For information or to schedule an appointment, call 583-6363.

The main office for the advocates is at the Goebel center. An advocate is available there 10 a.m. to 3 p.m. weekdays. For information or to make an appointment, call 495-6250.

The Goebel center services also include counseling on Medicare, Medi-Cal, Social Security and long-term care insurance.

In addition to one-on-one counseling, the advocacy program offers seminars at each of these locations.

Q: Will Social Security payments stop being available in check form?

A: Yes. Those new to Social Security no longer may get payments of their benefits in check form. When enrolling, they may have their benefits deposited directly into a bank or credit union account or put on a prepaid debit card.

The change took place this year. This also applies to most other types of federal payments, including veteran, railroad retirement and Supplemental Security Income benefits.

Those who currently get their benefits in check form can continue to receive paper checks until March 2013. Then they must change to direct deposit or a debit card.

Eliminating payment by check will save the government millions of dollars and be a much safer way to receive benefits.

Q: I just placed a family member in a nursing facility, and there was mention of a long-term care ombudsman. What does an ombudsman do?

A: "Ombudsman" is a Swedish word that means "citizen representative." The long-term care ombudsman is a state-certified volunteer trained to investigate and resolve problems objectively for long-term care facility residents.

The ombudsman's main goal is to ensure residents of these facilities get the services to which they are entitled. Many facility residents have little or no contact with the outside world and little control over their lives. The ombudsman is a resident advocate and helps improve their quality of life.

In Ventura County, at least one experienced and trained ombudsman is assigned to each facility and must spend a specified period there each week or month. He or she is available to help solve problems about residents' rights, physical and mental care, dignity, activities, legal or financial problems and regulatory red tape.

The Long Term Care Ombudsman Program is a nonprofit. Its services are free of charge and confidential. Call 656-1986 weekdays.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362. Call 495-6250 or email betty@seniorconcerns.org (please include your telephone number.) You are invited to submit questions on senior issues.

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Senior advocate advises readers to inventory contents of their wallets

Tue, 03 Jan 2012 19:26:23 GMT

By Betty Berry, Dec. 6, 2011

Q: My husband lost his wallet on a recent trip, and I am trying to replace the contents. It is very difficult because he has some memory loss and doesn't remember everything he carried. Please tell others to take a few minutes to inventory what they carry with them.

A: This is difficult regardless of whether one has memory loss. I'm sure most of us could not accurately list the contents of our wallets.

An inventory can provide an accurate record of your wallet's contents and give you an opportunity to "weed out" what you carry.

Experts say a thinner wallet is safer as thieves would have less information and therefore less opportunity to defraud.

To do your inventory, empty your wallet of its contents. Review each item to determine whether this is something you must carry, something you should put away for safekeeping or something you don't need.

Your Social Security card, for example, should not be carried with you. The Social Security Administration recommends it be placed in safekeeping and carried only when you need to present it.

List all items to be carried in your wallet on your inventory sheet. Write down the identity of the item — XYZ credit card or California driver's license, for instance — the account or registration number, name of registrant, any expiration date and number to contact in case of loss. Date the list and file it with your important papers.

Update your list when you change any content of your wallet.

Q: I have just moved to California from another state and want to know whether I must have a new will prepared. If not, in which state would my executor present my existing will for probate?

A: You do not need to execute a new will because of your move from one state to another. A written will made outside California is valid in California if it complied with the laws of the state in which it was executed.

You should, however, review your will periodically to ensure it reflects your wishes. Addition or deletion of assets as well as family changes such as marriage, death, divorce or adoption should serve as reminders to review your legal papers and if necessary to update them to reflect your current wishes.

Your executor must present your will for probate in the jurisdiction — county and state — where your were when you died. If your estate includes real property in other jurisdictions, more probate will be required there for the purpose of proving title and for protection of creditors at those locations.

HAPPENINGS

Wednesday: Wednesday is the last day of annual open enrollment for Medicare enrollees to change health care coverage for 2012. The coverage you have today will be the coverage you will have for 2012. For help, call 800-434-0222.

Wednesday: Panel discussion on "Purposeful Giving in Challenging Times," at the Thousand Oaks Council on Aging meeting at 1 p.m. in the boardroom of the Civic Arts Plaza, 2100 E. Thousand Oaks Blvd.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Presentation will talk about giving in a tight economy

Tue, 03 Jan 2012 19:24:23 GMT

By Betty Berry, Nov. 29, 2011

QUESTION: Even though money is tight, my friends and I would like to give to charities in our community that really are helping those in need. Do you have suggestions?

ANSWER: You must be on the same wavelength as the Thousand Oaks Council on Aging.

The council will present speakers from Many Mansions, Lutheran Social Services and Habitat for Humanity, with moderator Rob Orth from Project Understanding, at its monthly meeting Dec. 7. The speakers will discuss the services they provide.

This presentation will provide ways to give and serve in an economy like the present one and offer advice on giving a hand up and not a handout. Discover how giving your time, talent and treasure will have meaningful results for the recipient and you.

The meeting will begin at 1 p.m. at the Civic Arts Plaza, 2100 E. Thousand Oaks Blvd., in the boardroom on the third level.

Also, a "Meet the Speakers" reception is planned from noon to 12:45 p.m. Reservations are requested for the reception. Call 449-2743.

QUESTION: While paying into Social Security, I have had several name changes. How can I determine whether my earnings records are accurate?

ANSWER: I asked the Social Security Administration to explain what it does when it gets an earnings report that does not match the name and Social Security number in the files.

The agency tries to find the correct record to which to credit the earnings. It checks for common errors such as use of nicknames, misspellings, or transposition of letters or numbers. If these methods fail, it tries to contact the worker or employer to resolve the discrepancy. If earnings remain unassignable, they are placed in a "suspense" file, but investigation continues.

You can help ensure accurate records. When a name change occurs, contact Social Security so it can update its records. If you change jobs, use the same name with each employer. Avoid using nicknames on your payroll records and review your W-2 form to make sure your employer has your correct name and Social Security number.

Review personal earnings statement that Social Security provides each year. Contact Social Security if you find an error.

QUESTION: At the end of your column, you provide information on how to contact you and ask that the questioner include a telephone number. Why?

ANSWER: Most questions can't be answered with a general response. With a number, I can call to ask more questions. This eliminates the need to email back and forth and allows a faster response.

HAPPENINGS:

The annual open enrollment period for Medicare enrollees to change their health care coverage and prescription drug coverage for 2012 will end Dec. 7. The plans you have Dec. 7 will be yours for 2012.

If you need to change your coverage, counseling will be available from 8 a.m. to 3:30 p.m. Thursday, Friday and Monday at the Area Agency on Aging, 646 County Square Drive in Ventura. Call 800-434-0222 for more information.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362 or call 495-6250 or email betty@seniorconcerns.org (please include your telephone number.) You are invited to submit questions on senior issues.

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Visiting long-term care patients at the holidays is a simple gesture that brings pleasure

Tue, 03 Jan 2012 19:22:14 GMT

By Betty Berry, Nov. 22, 2011

Q: I am going to be part of a group that will visit long-term care facilities this holiday season. I have not done this before and feel very inadequate in relating to the residents. Are there any particular do's and don'ts that would make this an enjoyable visit for the residents and me?

A: Visits of this type usually make most people a little apprehensive, at least at first, and you are to be commended for wanting to do this.

When you visit, you likely will find the residents in their rooms. Even though the door is open, their room is now their home. Knock and ask permission to enter before walking in. This little courtesy will be most appreciated and will provide the resident with a little control over the visit.

Once in the room, introduce yourself and ask for his or her name. Don't use their first name without asking, as some residents come from backgrounds that were much more formal about names and still prefer to be addressed as "Mr." or "Mrs."

Some residents likely will be in bed or a wheelchair. Because looking up is uncomfortable for any extended period of time, your visit should be conducted at their eye level.

You should place your chair so that you are facing each other. You should not have your back to the window, as the glare from the window will cause the resident to see you only in silhouette. Never sit on the edge of the bed unless invited or given permission, and do not lean on a wheelchair, which is considered personal space.

On your first visit, you will be getting to know the residents, so each contact with a resident should be fairly short. Sometimes just a few words will be sufficient. A comment about a pretty blouse or acknowledgment of a photograph or trinket on a bedside table will be enough to start a short personal conversation.

Be an attentive listener and be patient with repetition. Always be on alert for signs of fatigue and be ready to end the visit, should they occur.

When leaving, don't promise to come back if you know you can't or won't keep that promise. If you do set a date and time to return, arrive when expected to avoid disappointment. If you must break an appointment, call ahead and make sure the message gets to the resident.

Always treat the residents with the dignity and respect their long years deserve. Respect any confidences that may be made to you.

I hope you will enjoy this experience and will continue to visit as often as you can. During the holiday season, many individuals and organizations visit these facilities, and those visits are always appreciated. However, the rest of the year is usually void of a lot of activity. It might be nice if your group could plan more visits at different times of the year.

A reminder

The open enrollment period for Medicare enrollees to change their health care coverage for 2012 continues through Dec. 7. The plan in which you are enrolled on Dec. 7 will be the coverage you have for the year 2012.

One-stop shops provide assistance with selecting Medicare Part D — prescription drug coverage for 2012. Below are some one-stop shops next week. Call 800-434-0222 for details and additional locations.

n 10:30 a.m. to 1:30 p.m. Monday, Pleasant Valley Senior Center, Camarillo.

n 8:30 a.m. to 3:30 p.m. Tuesday, Area Agency on Aging Office, 646 County Square Drive, Ventura.

Betty Berry is a senior advocate for Senior Concerns. The advocates are located at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362. Call 495-6250 or email betty@seniorconcerns.org (please include your phone number). You are invited to submit questions on senior issues.

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Stay alert and on top of all medications to avoid errors and complications

Tue, 03 Jan 2012 19:19:29 GMT

By Betty Berry, Tuesday, Nov. 15, 2011

Q: I seem to be reading and hearing more and more about medication errors lately. Those errors appear to happen in many ways at home and at health care facilities. Do you have any safety tips?

A: Let's start at the doctor's office. First make sure all of your doctors know about everything you are taking, including prescription drugs, over-the-counter medicines and dietary or herbal supplements.

Also make sure your doctor knows about allergies and adverse reactions you have had to medications. If you have allergies you might consider wearing a medic alert bracelet and carrying a card in your wallet with the information.

If your doctor writes a new prescription for you, make sure you can read the writing. Be sure you understand the medication's purpose and how and when to take it.

Ask what side effects might occur and what you should do if they occur. Question whether taking a new medication is safe if you are taking other medications including vitamins, herbals and over-the-counter items. Also ask whether certain food, beverages or activities should be avoided.

Last, ask what you should do if you miss taking a scheduled dose.

You should use just one pharmacy. If you do so, your medication history can be reviewed each time a new prescription is added.

When you pick up a new prescription, ask the pharmacist to check whether it is what the doctor prescribed. Also ask whether there is any written information about possible side effects.

Before leaving the pharmacy, read the label on the container. Is the information provided in terms you understand, and does it agree with what your doctor told you? If there is anything you don't understand, ask the pharmacist to explain.

If you live in an assisted- care facility that manages your medications, always ask the person dispensing your medications to check the container labels to make sure the medication is prescribed for you.

If you are in the hospital, it is always helpful to have a friend or family member present to observe and ask questions. You should ask for a printed list of all medications, the doses and how often you must take them.

Every time you get a medication, you or your observer should check it against the list to make sure the drug is meant for you and not your roommate. Insist that the person giving you the medication call you by name and check your ID bracelet to ensure the medication is yours.

Be wary of changes. For example, if you have been receiving a small orange pill once a day and all of a sudden you are given a second dose later in the day or if a different medication is introduced, ask if the orders were changed, why and by whom. Make sure the drug is for you.

HAPPENINGS

Just a reminder: Open enrollment for Medicare enrollees to change their health care coverage for 2012 extends through Dec. 7. The plans you are enrolled in Dec. 7 will be the coverage you have for 2012. One-stop shops provide help with selecting Medicare Part D prescription drug coverage for 2012. For information and locations, call 800-434-0222. Some locations are:

Today: One-stop shop at the Area Agency on Aging Office, 646 County Square Drive, Ventura from 8 a.m. to 3:30 p.m.

Thursday: One-stop shop at the Camarillo Health Care District, 3639 E. Las Posas Road, Suite 117, Camarillo from 10 a.m. to 2 p.m.

Betty Berry is a senior advocate for Senior Concerns. The advocates are located at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362 or call 495-6250 or email betty@seniorconcerns.org (please include your telephone number.) You are invited to submit questions on senior issues.

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Employer health care coverage can impact decisions

Fri, 11 Nov 2011 19:14:58 GMT

By Betty Berry, Tuesday, Nov. 8, 2011

QUESTION: I retired before age 65 and have health care benefits from my employer. Will this coverage be considered a Medicare supplement when I go on Medicare?

ANSWER: Since you are not yet age 65, your employer-provided health care benefit remains your primary coverage. When you reach age 65 and are covered by Medicare, those benefits, if continued, will become secondary coverage and that coverage may change.

Employer plans may or may not provide the same benefits as the Medicare Medigap plans.

Employer plans are known as carved-out policies that may provide less coverage, equal coverage or better coverage than the government-regulated policies known as Medigap policies offered by numerous insurance companies.

The coverage depends on the contract between your employer and the insurance company. Coverage also will vary depending upon whether the employer's plan is a fee-for-service plan or a managed-care plan such as an HMO or PPO.

It is most important that you understand exactly what you can expect from the employer's coverage and compare that coverage to the Medigap plans.

Many times, an employer's plan is equal to or better. Before deciding to drop that coverage, consider all other options, as once an employer's plan is dropped, it usually cannot be reinstated.

To determine the adequacy of the coverage, ask the following questions: What will the plan pay after Medicare has paid? Does the plan pay for services Medicare does not cover? Will the plan cover you if you move out of the area? Is the plan guaranteed renewable? Are there annual or lifetime limits on benefits? Do you have a choice of plans? Does the plan cover prescription drugs? What is the cost of the plan to you?

If your spouse is under 65 and covered by your retirement plan, you need to determine whether that coverage continues after you reach 65 and your coverage becomes secondary.

Read your benefits booklet or health care policy carefully because these types of plans are changing rapidly.

For all unresolved questions, contact your employer's human resources department for assistance in determining the coverage provided.

HAPPENINGS

Just a reminder: The annual open enrollment for Medicare enrollees to make changes to health care coverage for 2012 continues through Dec. 7. If you want to change your health care coverage or prescription drug coverage, this is the period to do so. The plans you are enrolled in on Dec. 7 will be your coverage for 2012.

One-Stop Shop: Provides assistance with selecting Medicare Part D prescription drug coverage for 2012. One-Stop Shops are planned today at the Simi Valley Senior Center, 3900 Avenida Simi from 1 to 4 p.m., and Friday and Nov. 21 at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, from 10 a.m. to 3 p.m. For information and additional locations, call 800-434-0222.

Today: Seminar from 1:30 to 3 p.m., "Will You Pass Your Next Driving Test?" at the Westlake Village Civic Center, 31200 E. Oak Crest Drive.

Nov. 13-19: Senior Citizens Week Book Festival at Bank of Books, 748 E. Main St., Ventura. There will be speakers, a salute to veterans and tributes to senior citizens. Call John at 643-3154 for more information.

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Watch for signs your parent may be unable to care for themselves

Fri, 11 Nov 2011 19:12:56 GMT

By Betty Berry, Tuesday, Nov. 1, 2011

QUESTION: During the holidays, I will be spending some time with my father, who lives out of state. For some time, I have been concerned about him living alone. What signs might indicate that it may be time to seek assistance for him?

ANSWER: A number of activities could be warnings that all is not well in your father's household.

Look at the home's appearance. An unkempt or cluttered house can signal housekeeping changes that may be due to a senior being depressed or tired and unable to keep up with the task.

The kitchen might have used dishes and pots and pans piled up. Gas burners might be left burning, maybe with empty pans on them. The refrigerator could be almost empty or contain food beyond its useful life. These situations may indicate depression or some memory loss.

His personal appearance might also provide a warning. Unkempt hair, body odor, failure to change clothes and dressing inappropriately for the weather or social occasions are obvious signs he may be unable to care for himself. These could signal the need for assistance with personal hygiene and could result from loneliness, depression or memory loss.

Another sign of possible trouble can be an accumulation of mail. He may feel overwhelmed by opening mail and paying bills. This, of course, can result in unpaid bills and perhaps be a signal that someone else needs to take over the financial responsibility.

If your father still drives, observe his driving. If you notice a decline in his skills, it may be time to arrange for other transportation. Speeding tickets, dented fenders, and dents and scratches on the car also may indicate driving should be curtailed.

Some seniors who live alone lose interest in eating, while others become reluctant to leave home. Loneliness can cause a person to pull further from friends and family.

Missed medical appointments or social engagements can signal depression or forgetfulness, as can losing track of taking medications. Either condition can result in health problems.

When considering whether some type of assistance is required, you need to have a heart-to-heart conversation. You must listen to what your father considers may be wrong and what he thinks would be the best way to resolve the problem. This will be a very sensitive subject, so it should be a planned meeting when both parties are calm.

HAPPENINGS

Just a reminder: The annual open enrollment for Medicare participants to change their health care coverage for 2012 continues through Dec. 7. The one-stop shops listed below will provide assistance with selecting Medicare Part D prescription drug coverage for 2012. For information and more locations, call 800-434-0222.

Today: Moorpark Active Adult Center, 799 Moorpark Ave., 1 to 4 p.m.

Nov. 9: Simi Valley Senior Center, 3900 Avenida Simi, 1 to 4 p.m.

Nov. 11: Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, 10 a.m. to 3 p.m.

Other seminars are:

Today: "Understanding Medicare 2012," boardroom, Thousand Oaks Council on Aging, Civic Arts Plaza, 2100 E. Thousand Oaks Blvd., Thousand Oaks, 1 to 2:30 p.m. It will be televised at 1 p.m.

Nov. 9: "Will You Pass Your Next Driving Test?" Westlake Village Civic Center, 31200 E. Oak Crest Drive, 1:30 to 3 p.m. Call 495-6250 for information.

More ...

Senior Concerns aging presentations will continue

Fri, 11 Nov 2011 19:10:35 GMT

By Betty Berry, Tuesday, Oct. 25, 2011

QUESTION: A few weeks ago, you wrote about the Senior Concerns 2011-12 presentation series. Can you provide information on the November presentation?

ANSWER: The next seminar will address problems and challenges of caregivers during the holidays and on other special occasions that occur every year.

The next seminar, "The Caregiving Rollercoaster," is scheduled for 4 to 5:30 p.m. Nov. 8 at Senior Concerns Day Care Center, 401 Hodencamp Road in Thousand Oaks.

This seminar will address "Coping With the Holidays and Special Occasions." Changes in family dynamics can require changes in how and when family visits and celebrations are handled.

Sue Lindemann, who is active with the Alzheimer's Association on the state and federal levels, and Lori Bliss, case management coordinator for Senior Concerns, will facilitate this session.

Lindemann and Bliss will talk about techniques to use during these happy but trying times. They will address turning stress into success, adapting ways to celebrate special times and sharing the care. Tips for caregivers will be part of the discussion.

There will be time at the end of the presentation for audience questions.

Reservations are suggested and can be made by calling Senior Concerns at 497-0189. Walk-ins are welcome if seats are available. If you need respite care for a special-needs senior in order to attend, you can make arrangements for care at the center when making your reservation. Reservations for respite care are required.

The series will continue in January with "Who Can Help Me"; in February with "The Loneliness of a Caregiver"; in March with "Caregiving for the Caregiver"; in April with "Balancing Family, Work and Caregiving"; and in May with "When It's All Said and Done."

This is a beneficial series for caregivers and those who will become caregivers.

HAPPENINGS

A reminder: Open enrollment for Medicare enrollees to change health care coverage for 2012 continues through Dec. 7.

Today: One-Stop-Shop — Help with selecting Medicare Part D prescription drug coverage for 2012, Simi Valley Senior Center, 3900 Avenida Simi, Simi Valley, 1:30 to 4:30 p.m. Call 800-434-0222 for information.

Nov. 2: Seminar on "Understanding Medicare 2012" at the Thousand Oaks Council on Aging meeting, boardroom, Civic Arts Plaza, 2100 E. Thousand Oaks Blvd., Thousand Oaks, 1 to 2:30 p.m. No reservations are required.

Nov. 2: One-Stop-Shop — Help with selecting Medicare Part D prescription drug coverage for 2012, Moorpark Active Adult Center, 799 Moorpark Ave., Moorpark, 1 to 4 p.m. Call 800-434-0222 for information.

Nov. 9: One-Stop-Shop — Help with selecting Medicare Part D prescription drug coverage for 2012, Simi Valley Senior Center, 3900 Avenida Simi, Simi Valley, 1:30 to 4:30 p.m. Call 800-434-0222 for information.

Nov. 9: Seminar on "Will You Pass Your Next Driving Test?" at Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village, 1:30 to 3 p.m. Call 495-6250 for information.

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Hospitals must follow Medicare standards

Fri, 11 Nov 2011 19:07:46 GMT

By Betty Berry, Tuesday, Oct. 18, 2011

QUESTION: I've heard horrible stories about poor care and conditions encountered by patients in some hospitals. I'm wondering whether Medicare has any say in the standards hospitals must meet. Also, who reviews hospitals to determine whether standards are being met?

ANSWER: For a hospital to participate in the Medicare program, it must be accredited or certified. Beneficiaries would not use a hospital without one of these approvals.

Accreditation is a "seal of approval" that means a facility meets certain standards. The standards are set by private, nationally recognized groups that continually check on the quality of care.

Accreditation can be awarded by two organizations. The Joint Commission and the American Osteopathic Association check on the quality of care at health care facilities at least every three years, and most hospitals take part in this process.

When the commission reviews a facility, it looks at how well a hospital treats patients and the quality of staff and equipment. The resulting performance report includes one of six levels of accreditation awarded. The lowest is "not accredited," and the highest is "accreditation with commendation."

The report also includes the date the hospital was checked, a summary of key findings, results of any follow-up action, areas that need improvement and how that hospital compares with others.

You can call the Joint Commission at 630-792-5800 to check on a hospital's level of accreditation or request the hospital's current review report. The commission also has information at http://www.jointcommission.org.

The American Osteopathic Association also reviews hospitals' patient care, staff and equipment quality and writes a performance report. There are several levels of accreditation — the lowest is "denial of accreditation," and the highest is "accreditation with resurvey within three years."

You can check on findings by calling 312-202-8258 or visiting http://www.osteopathic.org.

Certification means a hospital has passed a survey done by a state government agency. Although it is similar, it is not the same as accreditation.

In addition, some states provide report cards that can be used for comparing hospitals. These reports help potential patients choose where to receive their health care.

HAPPENINGS

Oct. 26: "Medicare Part D Prescription Drug One-Stop Shop," offering help with selecting and enrolling in a Part D Prescription Plan, Simi Valley Senior Center, 3900 Avenida Simi, Simi Valley. For details, call 477-7310.

Oct. 28: "Understanding Medicare and Changes for 2012" seminar, 1:30 to 3 p.m., Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For reservations, call 381-2744.

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It might be age, but it could be Alzheimer's

Fri, 11 Nov 2011 19:04:34 GMT

By Betty Berry, Tuesday, Oct. 11

QUESTION: As we grow older, many of us have what we jokingly refer to as "senior moments." However, I think that when these senior moments occur, we are all a little worried that we are starting to have a memory-loss problem. Can you shed any light on this?

ANSWER: A number of years ago, I attended a seminar by the Alzheimer's Association where this very subject was addressed. At the end of the session, all attendees were provided with a very useful packet of information. That packet contained a list of normal vs. abnormal situations. I have kept that list all these years and will share it with you.

If you forget where you left your keys, that is normal. However, if you find those keys and don't know what they are for, that is abnormal.

Repeating a story to a friend that you have previously told is normal, but if you repeat the same question over and over in the same day to the same person, that is not normal.

Forgetting what you ate for breakfast yesterday is very normal but forgetting you ate breakfast just 15 minutes ago is not normal.

If you are disoriented for a moment upon waking up in a strange hotel room while traveling, it is certainly normal. However, getting lost in your own home where you have lived for years is abnormal.

Forgetting to turn off the boiling eggs and burning the pot on occasion is perfectly normal. Having no memory of putting the eggs in that pot or turning on the burner is abnormal.

Sometimes forgetting where you parked your car at the mall is very normal. But forgetting you drove to the mall or have a car is abnormal.

Forgetting details of a vacation you took 10 years ago is normal. But forgetting you went on a trip last week is not normal.

Forgetting where you left your checkbook is normal. However, forgetting in which bank you have your checking account is not normal.

If you forget the name of a star in a movie you have just seen, it is a normal occurrence. Not remembering the name of the movie or going to that movie at all is abnormal.

And last but certainly not least — worrying that you are having memory problems is very, very normal, but being unaware that you have a memory loss is not.

I thought this list was very interesting and hope you find so also.

QUESTION: I am not sure when I am required to take a distribution from my retirement account. Can you help?

ANSWER: You must begin taking distributions at age 70 ½ or face stiff IRS imposed penalties. If you will be age 70 ½ by Dec. 31, 2011, you have until April 1, 2012, to begin taking your required minimum distributions, known as RMDs, from your account.

This will meet your 2011 distribution requirement. However, once distributions begin, you must take them annually by Dec. 31. That means you will need to take your next RMD by Dec. 31, 2012, regardless of when your 2011 RMD was taken.

RMD rules apply to traditional IRAs, rollover IRAs, Simple IRAs, SEP. IRAs, 403(b)s and certain employer-sponsored retirement plans such as 401(k) plans.

Roth IRAs are not subject to distribution requirements until after the IRA owner's death. If you are not sure, check with the holder of your retirement account to determine what action you need to take and when.

SEMINAR PLANNED

The seminar Understanding Medicare and Changes for 2012" will be offered three times in the next week:

• 1:30 to 3 p.m. today at Westlake Civic Center, 31200 E. Oak Crest Drive, Westlake Village.

• Friday at the Simi Valley Senior Center, 3900 Avenida Simi, Simi Valley. For reservations, call 583-6363.

• Monday at Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For reservations, call 381-2744.

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Senior Concerns presentations will focus on solving the aging puzzle

Fri, 11 Nov 2011 19:02:14 GMT

By Betty Berry, Tuesday, Sept. 27, 2011

QUESTION: Every year Senior Concerns has offered a series of presentations that covered various subjects. Does it plan to do this again this year, and if so, what are the topics?

ANSWER: Senior Concerns will present the Solving the Aging Puzzle series again this year. The overall theme will be "The Caregiving Rollercoaster — Caring for the Caregiver."

First in the series will be "Adapting to the Ride" from 4 to 5:30 p.m. Oct. 11. The presentation will be at Senior Concerns Day Care Center, 401 Hodencamp Road in Thousand Oaks.

The seminar will be facilitated by Carolyn Kopp, a family consultant and gerontologist with Coast Caregiver Resource Center. Kopp will define the role of a caregiver and provide information on where a caregiver can find help. She also will talk about things every caregiver should know and discuss adapting to the role of caregiver.

There will be time at the end of the presentation for questions.

Reservations are suggested and can be made by calling Senior Concerns at 497-0189. Walk-ins are welcome if seats are available.

If you need respite care for a special needs senior to attend, you can make arrangements for that care at the center when making your reservation. Reservations for respite care are required.

The rest of the series will include sessions on coping with the holidays and special occasions; the loneliness of a caregiver; caregiving for the caregiver; balancing family, work and caregiving; and "When It's All Said and Done."

I believe it was first lady Rosalynn Carter who said: "There are four kinds of people — those who have been caregivers, those who are caregivers, those who will be caregivers and those who will need a caregiver."

QUESTION: Last year the Thousand Oaks Council on Aging offered interesting panel discussions at its monthly meetings. Will it do so again this year?

ANSWER: From what I have been told, the council members are working on that project.

I can, however, provide information about the next meeting, which is at 1 p.m. Oct. 5 in the boardroom at the Thousand Oaks Civic Arts Plaza, 2100 E. Thousand Oaks Blvd.

The subject is "Ending Well — The Role of Palliative Care." Kathleen Griggs — the palliative care nurse at Los Robles Hospital & Medical Center — and Lori Litel, the executive director of Senior Concerns, will lead a discussion on end-of-life care for residents in the area.

The council's meetings are open to the public. The meetings begin promptly at 1 p.m. as they also are televised. For more information or reservations, call 449-2743.

The November meeting will address Medicare and provide information on changes that will occur in 2012.

HAPPENINGS

HEALTHIER LIVING CLASSES — Six-week sessions starting Tuesday at the Wellness Center in Camarillo and St. John's Regional Medical Center in Oxnard. For information and reservations call the Wellness & Caregiver Center of Ventura County at 388-1952, ext. 100.

RETIREMENT — 7 to 8:30 p.m. Oct. 5 on "Is Retirement In Your Near Future?" at Emmanuel Presbyterian Church, 588 Camino Manzanas, Thousand Oaks. For information and reservations, call 498-4502.

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Unbiased presentation to list retirement options

Fri, 11 Nov 2011 18:59:22 GMT

By Betty Berry, Tuesday, Sept. 20, 2011

Q: My friends range in age from the early 50s to the mid-70s. When we talk about retirement, we have many conflicting beliefs. Is there somewhere we could go as a group to hear facts about Social Security and Medicare? Hearing the same thing together would help.

A: I understand exactly what you are saying. People have different ideas about the benefits available, the time to apply for those benefits and what happens if you do or don't take advantage of those benefits when you should.

Probably the best way to start learning about the hows and whens of these programs is to attend an unbiased presentation — and I know one that will take place next month.

"Is Retirement in Your Near Future?" is scheduled for 7 to 8:30 p.m. Oct. 5 at Emmanuel Presbyterian Church, 588 Camino Manzannas (at Lynn Road) in Thousand Oaks.

The presentation will cover Social Security and Medicare for retirees. Subjects to be addressed will include early retirement and working beyond full retirement age.

Learn about when to apply for specific benefits, available resources and issues such as taxes, caps and penalties that may apply to your benefits.

Survivor benefits and collecting on a former spouse's benefits will also be addressed.

The seminar will be facilitated by the senior advocate, and audience questions are welcome.

Reservations are strongly recommended. For questions or reservations, call the church at 498-4502.

Q: My mother has been in and out of hospitals for the past two years. She used her 100 days in a skilled nursing facility, and now my father is paying the bill. My mother went back into the hospital for four days, and I thought that if you were hospitalized and returned to a skilled nursing facility, the 100 days started over. The financial person at the facility told me there were more stipulations than that. Is this true?

A: This area of coverage is easily misunderstood and creates problems for many families. The financial person at your mother's facility was correct. The noncoverage at the facility has to do with the "benefit period," not the return to the hospital.

A benefit period begins the day you enter the hospital or skilled nursing facility and ends 60 days after you have not received any inpatient care at the hospital or skilled nursing facility.

Your mother has never ended her initial "benefit period" as she has not had 60 days of no inpatient care. Therefore, she has used up her 100 days for the benefit period she is in and not entitled to another 100 days in this same benefit period.

If she were to go to a hospital or skilled nursing facility after one period, the coverage for that benefit period would start again when the new benefit period began.

Q: I hear that this year's open enrollment period to change your Medicare choices is earlier than it has been before. Is this true?

A: Yes. In years past, the open enrollment period for changing Medicare coverage and Medicare Part D prescription drug coverage was Nov. 15 to Dec. 31. This year, that period is Oct. 15 through Dec. 7. Just before and during the first few weeks of that period, there will be seminars throughout the county to explain what you need to know for 2012. There also will be "one-stop shops" throughout the country to assist with selecting Part D plans. This column will list the time and place of these seminars and one-stop shops, so stay tuned.

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How to appeal Social Security notice of overpayment

Fri, 11 Nov 2011 18:57:04 GMT

By Betty Berry, Tuesday, Sept. 13, 2011

Q: I just received a letter from Social Security telling me I have been overpaid and must repay. I don't understand how this could have happened and don't think I have been overpaid. I don't know how to handle this problem. Can you help?

A: Overpayment can occur in either the Social Security or Supplemental Security Income program and may be caused by a number of situations.

There could have been a miscalculation in determining the benefit amount, or a duplicate check may have been issued. In other cases, resources, income or earnings may be higher than the allowable limits, or living arrangements may have changed.

If you receive a notice from the Social Security Administration saying you have been overpaid and must pay back the money or it will be withheld from future checks, you have the right to appeal. You can, depending on the situation, ask for a reconsideration or a waiver of the overpayment.

If you agree you were overpaid and the amount is correct but you cannot afford to repay it, you should request a waiver.

You should file a Request for Waiver and Recovery Questionnaire if you were not at fault in causing the overpayment and it would create a serious hardship to repay the money, or if you think it would be unfair to ask you to repay it.

"Without fault" means you were not aware you were being overpaid and are not to blame. It doesn't matter if Social Security was at fault — you just have to show you were not.

After reading the letter, if you believe Social Security made a mistake in deciding you were overpaid or in the amount, you have the right to file a Request for Reconsideration form.

Because of Social Security procedures, unless you take action within the time frame stipulated in the letter, you may be unable to appeal. All deadlines in the letter are from the date you get the notice.

Deadlines can be extended if you can show good cause for a late appeal. This can include difficulty reading a notice due to blindness, a language barrier, an illness, a hospitalization or a serious emergency.

If you file the proper response within the time allotted, the recovery of the repayment will be delayed or suspended until a decision is made.

There are several levels of appeal. At the first level, you can request a case review, an informal conference or a formal conference. If you still get an adverse decision, you have the right to ask for a hearing conference. If you receive another adverse decision, you have the right to ask for a hearing.

If your final appeal fails, you can repay the overpayment in a lump sum or have it deducted from Social Security checks. If you opt to have it deducted, you can spread the payments over up to 36 months.

To help avoid an overpayment, you should make yourself aware of restrictions on your benefit situation and make sure you inform Social Security of any changes that might affect your eligibility.

Happenings

Today, 1:30-3 p.m.: "Are You Prepared to Be a Caregiver?" seminar, Westlake Village Civic Center, 31200 E. Oak Crest Drive.

Sept. 24., 9 a.m.-4 p.m.: "Health, Wellness & Fitness in the 21st Century" trade show and exposition, Ventura County Fairgrounds. Call 988-5140 or 389-0997.

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Keeping home free of pitfalls

Fri, 11 Nov 2011 18:54:03 GMT

By Betty Berry, Tuesday, Sept. 6, 2011

Q: My dad will be coming to live with me in my home. He has some problems with mobility and I want to make the house as free from potential falls as possible. Do you have any suggestions on what I can do?

A: One of the added benefits of making your home safe for your dad is it also will be safer for you and the rest of your family, as anyone can take a tumble if areas are not well-lit and free of clutter. The suggested safety measures, collected from a number of safety experts, should be helpful for all.

Bathrooms account for many falls. Adding grab bars in the shower, tub and toilet areas will certainly make getting around in this room much safer. A word of caution about installation of grab bars: They must be attached directly into the studs to provide the strength needed when grabbed. If you don't know how to do the installation, I strongly suggest you have them installed by a professional, as it is well worth the money. Incorrectly installed grab bars are more dangerous than no bars at all.

If you use bath mats in the tub or shower, make sure they have suction cups to hold them securely to the bottom. Better still, consider replacing mats with nonslip adhesive strips attached directly to the foot surface areas. Also consider a sitting bench or stool in the shower. An elevated toilet seat might also prove helpful.

In the bedroom, make sure you have a lamp or light switch that can be reached easily without having to get out of bed. Also, bedrooms as well as hallways and bathrooms should be equipped with night lights.

Stairs can be a real problem. You should have light switches at both ends of the staircase. Handrails should be installed on both sides of the stairs and should go all the way to the top and bottom steps. Many falls occur on the last step or two.

Added lighting aids include equipping every room in the house with a flashlight and leaving lights on when you leave the house at night so you do not have to enter a dark house and search for lights. It also is a good idea to leave a light or two on during the night.

Carpets and rugs have a real potential for disaster. Tack rugs and glue vinyl flooring so they lie flat. If rugs or runners tend to slip and slide, either remove them or use nonslip backing to hold them in place. If your stairs are carpeted, make sure the carpet is firmly attached to the treads.

General clutter should be eliminated or at least brought to a minimum. Make sure all telephone and electrical cords are out of pathways.

While making the inside of your house safe, don't forget the outside. Outdoor steps are often more narrow or the risers are higher or lower than indoor stairs. So that you don't miss a step, paint the edge of each step in a contrasting color to ensure it will be seen.

You might want to consider mixing the paint for the steps with a light mixture of sand to provide better traction. Lighting of walkways and outdoor stairs also is most important. Make sure all steps have a sturdy handrail.

These are just a few suggestions. Walk through your house and look at each room. I am sure you will see a number of things you can change to make that room safer.

Q: Someone just told me that the Medicare annual open enrollment period has been changed and will now be earlier in the year. Is this correct and, if so, when will it occur?

A: You were told correctly. As you know, each year, the annual open enrollment period, when you can change your health care coverage and your Part D prescription drug coverage, has been from Nov. 15 through Dec. 31. This year, the open enrollment period will run from Oct. 15 through Dec. 7.

Between now and Oct. 15, there are many meetings scheduled to inform you about this change and to review your Medicare options and answer any questions. Meetings will be announced in this column, so stay tuned.

HAPPENINGS

Sept. 14, 1:30-3 p.m. Seminar, "Are You Prepared to Be a Caregiver?" at Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village. For details, 495-6250.

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Paying notice to Medicare messages

Thu, 01 Sep 2011 00:13:09 GMT

By Betty Berry, Tuesday, August 30, 2011 Q: When Medicare denies coverage of a service, the Medicare Summary Notice includes an explanation as to why payment is being denied. I don't find those explanations very clear. What is the difference between "Medicare does not cover this service" and "the information provided does not support the need for this service or item"?

A: Understanding your Medicare Summary Notice is important. First, of course, it is important that you know what was billed, how much was approved for payment, what Medicare actually paid and what, if any, amount may be your responsibility.

The second reason is that as the user of the billed services, you are the first line of defense in detecting possible Medicare fraud. If the notice indicates Medicare is being billed for services or products you did not receive, you should report such discrepancies to Medicare. You can make such a report by completing the portion of the notice that allows you to report inconsistencies and returning it to Medicare.

You are not the only beneficiary who has had questions about explanations on notices. While the two explanations you mention seem, at first glance, to say the same thing, there is a difference.

Items that would receive the "Medicare does not cover this service" message include routine dental care, acupuncture, hearing aids, vision exams and cosmetic surgery.

For Medicare to cover a service, procedure or product, an existing condition must require the specific procedure or product, making it medically necessary. When receiving noncovered services, the beneficiary is responsible for the associated charges.

A message stating that "the information provided does not support the need for this service or item" appears when a service is normally covered by Medicare but is not the appropriate treatment for the particular illness or condition being treated. Let's use an EKG as an example. Payment for an EKG will be denied if the condition being treated is the flu. However, if an EKG is billed for someone complaining of chest pains, it will be a covered service.

Doctors generally know what Medicare will cover. If it is believed that a particular service will not be covered for a specific reason, the doctor should provide an Advance Beneficiary Notice.

This is a written statement explaining why a particular service for a specific complaint may not be paid for by Medicare. When such a notice is provided, the beneficiary has the option of saying yes or no to the treatment. If the beneficiary opts to have the treatment and Medicare denies payment, the beneficiary is responsible for those charges. Make sure you understand any Advance Beneficiary Notice you are asked to sign.

If you receive either type of message and believe it is in error, you have the opportunity to ask Medicare to review its decision. You might also want to talk with your physician to see if there is more information about that particular service or product that could be provided to Medicare to be used in reviewing its initial decision.

It is most important that you review your Medicare Summary Notice to be sure your health care providers are billing Medicare for services actually provided. Some billing errors are mistakes, while others could be the result of fraud. Make it your responsibility to ensure charges billed to Medicare on your behalf are accurate.

Happenings

Sept. 7, 1-3 p.m.: Seminar, "Will You Pass Your Next Driving Test?" Moorpark Active Adult Center, 799 Moorpark Ave., Moorpark. For information and reservations, call 517-6261.

Sept. 14, 1:30-3 p.m.: Seminar, "Are You Prepared to Be a Caregiver?" Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village. For information, call 495-6250.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org. Please include your telephone number. You are invited to submit questions on senior issues.

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Recognizing the value of a wallet inventory

Thu, 01 Sep 2011 00:10:56 GMT

By Betty Berry, Tuesday, August 23, 2011 Q: During a recent business trip, my husband lost his wallet and I'm trying to replace the contents. This is a difficult job, since he doesn't remember everything he carried. Please tell others to inventory what they carry with them in case they should have the need to replace a wallet's contents.

A: This is something I have addressed before but find it does not hurt to repeat it on occasion. This is a difficult job. I'm not sure most of us could accurately list the contents of our wallets from memory.

An inventory can provide an accurate record of your wallet's contents and give you an opportunity to "weed out" what you carry.

Experts advise that a thinner wallet is safer, as potential thieves would have less information and therefore less opportunity to defraud.

To do your inventory, set aside a block of time, and with pen and paper, sit at a desk or table and empty your wallet. Review each item to determine whether this is something you need to carry, put away for safekeeping or throw away.

Your Social Security card, for example, should not be carried with you. The Social Security Administration recommends it be placed in safekeeping and carried only when you need to present it.

List all items to be carried in your wallet on an inventory sheet. Your inventory should include the identity of the item (XYZ credit card/ California driver's license), the account or registration number, the name of the person it is registered to, the expiration date, if applicable, and a number to contact to report its loss. Date the list and file it with your important papers.

Always update your list when you change any contents of your wallet.

If your wallet is ever lost or stolen, you will find the short time it took to do the inventory well worth it because you will have all the information at your fingertips that you need to request replacement of lost items.

Q: I live in Simi Valley and in years past have enjoyed the information expo held at the senior center. Do you know whether that event will be held this year?

A: I am glad to be able to tell you the event is scheduled for next month.

The Simi Valley Council on Aging will host Wellness and Information Expo 2011 from 8 a.m. to 2 p.m. Sept. 7. As in the past, it will be at the Simi Valley Senior Center, 3900 Avenida Simi.

The expo will feature more than 60 vendors and agencies that specialize in providing resources for seniors. Information will be available on health, social services, legal assistance, long-term care and housing.

There also will be several types of free health screenings available. These will be on a first-come, first-served basis.

Screenings to be offered include carotid artery, glucose, blood pressure and heel scan for osteoporosis.

The entire event is free and a wonderful opportunity to learn what is available.

For more information, call the center at 583-6363 and mark your calendar. Perhaps this would be a good time to reach out to a neighbor or friend and bring them along to enjoy the day.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362. Call 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Caregivers need respite to avoid burnout

Thu, 01 Sep 2011 00:08:48 GMT

By Betty Berry, Tuesday, August 16, 2011 Q: I am a fairly new caregiver and have heard a lot about caregiver burnout and hope to avoid it, if possible. Is there anything in particular I should do or know that would help me do a good job yet not be overwhelmed by the responsibility I have taken on?

A: Caregiver burnout is a real problem that doesn't occur overnight but creeps up on the caregiver before he or she is aware that it has been building. I congratulate you on your awareness and on seeking assistance before the problem presents itself.

To start with, there are two goals of equal importance that all caregivers should adopt. The first, which almost all caregivers do automatically, is to provide the best possible care for their loved ones. The second, which many caregivers never consider, is to give the best possible care to themselves.

Both goals require commitment, patience, understanding, compassion and respect to both the person being cared for and to the person giving the care.

Caregiving is an all-encompassing responsibility too large for one person. The caregiver must learn to ask for help rather than feeling the job must be done alone.

There are many false reasons why people think they can't ask for help. Husbands sometimes feel that as men, they must be strong and independent, while wives will say it was part of their wedding vows to provide care. Younger women often feel they are superwomen and can do it all. Daughters sometimes think brothers shouldn't be asked to perform such duties, and those living closest to the person in need of care feel asking those living at a distance would be an inconvenience.

Although this will sound selfish, the caregiver must put himself or herself first. Failing to do this will likely result in having two patients to worry about instead of one.

As a caregiver, you still have a life of your own. Don't withdraw from people and activities you have enjoyed in the past. Take care of yourself physically and make sure you have private time and space on a regular basis.

Consider joining a support group. These groups are a good source for tips on how to handle specific problems, information on resources and plain, old emotional support. Just knowing there are others facing similar experiences can be a comfort.

Plan ahead for taking time off by knowing what resources are available. This could be a helper in the home, the services of adult day-care centers or respite care.

Respite care involves placing your loved one in someone else's care so you can refresh yourself emotionally and physically. Respite care could be for several hours or several weeks. It is important to incorporate this type of care regularly rather than waiting until burnout is evident.

Stress, as we all know, is part of everyday living, but it certainly increases in the life of a caregiver. Learn how to work with your stressful situations so your stress doesn't develop into distress.

Learn what stress-management techniques work for you. Pause frequently throughout the day. Take a few minutes to relax. Consider getting someone to help with household chores, and talk with someone who can listen and provide useful and productive feedback. Make sure you get enough rest and sleep to start each day feeling refreshed.

Above all, keep your sense of humor. There are humorous moments in all situations — use these to laugh. It has been said that a good laugh is the best medicine available.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250; or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Learning about Senior Concerns' boutique

Thu, 01 Sep 2011 00:06:49 GMT

By Betty Berry, Tuesday, August 9, 2011 Q: I believe it was last year sometime that you wrote about Senior Concerns' Bargain Boutique and Thrift Shop. Can you bring me up to date on any changes they may have made and any pending shopping events?

A: I certainly can. Senior Concerns Bargain Boutique and Thrift Shop always has something special to offer to its shoppers.

For those who don't know, the shop is in the Under One Roof building at 80 E. Hillcrest Drive in Thousand Oaks, across the street from Office Depot. Hours are Monday through Thursday from 9:30 a.m. to 5:30 p.m., Friday from 9:30 a.m. to 5 p.m. and Saturday from noon to 4:30 p.m.

The shop is divided into sections. You will find the boutique section that offers high-end apparel, a thrift section that contains only very gently used or new clothing and the teenagers' section that stocks items of interest to young shoppers and is a good place to look for back-to-school items.

The shop also offers a variety of household items and a section of vintage clothes. There is something for every shopper.

During August, boutique clothing is 50 percent off. In addition, the shop usually has a "deal of the day" that customers look forward to discovering.

The director of the shop told me donations have fallen off and she wants shoppers and would-be shoppers to know that she needs high-end merchandise for the boutique section and gently used items for all other sections.

The director has also expressed the need for volunteers to staff the shop. For more information about volunteering, call 373-0504 and ask for Rosemary or Laura.

All proceeds go toward supporting Senior Concerns programs. These include adult day care, Meals on Wheels, senior advocate services, family support services, support groups for caregivers, brain fitness and community outreach events.

Senior Concerns has been serving families in the Conejo Valley and surrounding areas for more than 35 years. It strives to serve frail and special-needs seniors.

Whether you shop, donate or volunteer, it is a win-win situation. So why not make plans to visit during this coming month and check out the merchandise?

Q: I am researching long-term care along with long-term care insurance and MediCal coverage. In my search, I have encountered the term "activities of daily living." Can you provide a list of definitions of those activities?

A: The term refers to the basic personal activities each of us must perform on a daily basis.

The list typically includes bathing, dressing, eating, continence, toileting, transferring and, in some cases, ambulating.

Bathing is defined as having the ability to wash oneself on a routine basis in the tub or shower or by sponge bath.

The definition of dressing is having the ability to put on and take off all garments and medically necessary braces or artificial limbs, if worn, and to fasten and unfasten them.

Eating is the ability to get nourishment into the body by any means once it has been prepared and made available.

Continence is defined as the ability to control bowel and bladder functions and to maintain a reasonable level of personal hygiene.

Toileting includes the ability to go to and from the toilet and maintain a reasonable level of personal hygiene.

Transferring is the ability to move in and out of a bed or chair.

Ambulating refers to the ability to move about inside one's residence.

The need to discuss these activities comes into play when a care plan is being prepared for someone who needs assisted care or long-term care services.

Betty Berry is a senior advocate for Senior Concerns. The advocates are located at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Questions about Alzheimer's, long-term care and elder abuse

Thu, 01 Sep 2011 00:04:55 GMT

By Betty Berry, Tuesday, August 2, 2011 Q: I have had several family members who were victims of Alzheimer's disease and am most interested in any progress that is being developed to eliminate this disease. Do you know of any event that will be discussing this subject?

A: Yes, I do. Some information has just come across my desk. In January of this year, the National Alzheimer's Project was created. This project was charged with developing a national plan to address the escalating public health crisis.

The California Central Coast Chapter of the Alzheimer's Association will hold a session to solicit views, comments and perspectives from those who have been affected by this devastating disease.

This public input session is scheduled for Aug. 18 from 6 to 7:30 p.m. at Senior Concerns Day Center, 401 Hodencamp Road, Thousand Oaks.

Those who are living with Alzheimer's, their caregivers, representatives from state and local government, and those from the research community, health systems and long-term care facilities are invited to come out and share thoughts about what needs to be addressed.

For more information about this event and other events being held or to make reservations to attend, you can RSVP online at http://napa.alz.org (click on "Attend Events") or contact Andrew Peake at 892-4259 or andrew.peake@alz.org.

This is an opportunity to make your voice heard.

Q: It seems every time I pick up the newspaper, I read about another case of elder abuse. What is considered elder abuse and, if suspected, who can help?

A: Elder abuse is a growing concern for the many agencies and individuals serving the senior population. Abuse can be inflected in numerous ways. It can be physical, emotional or financial abuse or it can be a result of neglect or abandonment.

Physical abuse is any pain or injury inflicted by a person in charge of care or in a position of trust. It is probably the easiest form of abuse to recognize.

Emotional abuse is willful infliction of mental suffering.

Financial abuse is any theft or misuse of an elder's assets by a person in a position of trust. Detection is sometimes made difficult by the way an elder has elected to hold title to assets.

Neglect can result from failure of a caregiver to provide reasonable personal hygiene care, medical care or protection from health and safety hazards.

Abandonment is considered the desertion of an elder by someone responsible for the care and custody when the senior cannot manage for himself or herself.

Suspicion of any type of elder abuse should be reported. Adult Protection Services can be reached at 654-3200. If the elder is residing in a long-term care facility, the contact is the long-term care ombudsman at 656-1986.

Q: The cost of placing someone in a nursing home is way beyond my means. If I need this type of care, how will the cost be covered?

A: Your concern is not unique. For most people, finding ways to finance nursing home care is a major concern.

The four basic ways in which nursing home costs may be financed are personal resources, private insurance, Medi-Cal and Medicare, but only in very specific and limited situations.

Many people entering a nursing home first pay for their care with personal resources. However, due to the high cost, many families use up their resources quickly and then must apply for assistance through the Medi-Cal program.

It is wise to know the eligibility requirements before entering a facility. This state and federal program is available to individuals with low incomes and limited resources. The nursing home used must be certified for Medi-Cal.

More and more families are considering the purchase of long-term care insurance to cover nursing home care. Because costs of long-term care policies vary greatly, even for similar policies, shopping and price comparison are important.

Under some very limited circumstances, Medicare hospital insurance (Part A) will pay for a short fixed period of skilled nursing facility care. The facility must be Medicare-certified and under no circumstances will Medicare pay if the services required are for custodial care only.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Avoid road rage by being a courteous driver

Thu, 01 Sep 2011 00:02:31 GMT

By Betty Berry, Tuesday, July 26, 2011 Q: I've heard a lot about road rage and wonder if seniors are targeted victims. If so, what can we do to protect ourselves?

A: It appears that road rage continues to be part of our lives. However, I think this type of anger is more likely directed at drivers' behaviors rather than at particular age groups. To help avoid becoming a victim of this crime, we need to mind our manners and be courteous behind the wheel. If you become aggravated, just remember the old saying, "Do unto others as you would have them do unto you." If everyone practiced this behavior, we soon would have no road rage.

Meanwhile, there are some simple things that you can do that will help:

n While on the road, give yourself and others room to maneuver.

n Allow space between your vehicle and the one in front. Tailgating can be dangerous in more than one way.

n Don't hog the passing lane. Pass the slower vehicle and move over. Give the next driver a chance.

n Let others know your intentions. Always use your signal indicator when changing lanes or turning.

n Don't offend others' senses. Avoid unnecessary use of the horn or high-beam headlights. When using your radio, make sure not to inflict your music choice on other drivers.

n When parking, don't use more than one parking space and be careful when opening your door. Don't let it hit another vehicle.

Q: I've read several seminar advertisements for estate planning and am confused by some of the terms they use. Can you provide a simple explanation for a living will and a living trust?

A: Unfamiliar terms can be very confusing, and many times, words that appear to mean the same thing are, in fact, very different. I'll try to provide a definition for the terms you mentioned plus others that automatically fall into a discussion on estate planning.

A living will is a written declaration in which you dictate your wishes about artificial life support. It allows you to specify your desires to your physician as to whether life-sustaining measures are desired to preserve your life in the event of a terminal illness or injury when recovery is not expected.

Another term you may encounter in estate planning involves an advance directive for health care. It covers a broader range of health care decisions and allows you to name a person as your agent to speak for you if you are unable to speak for yourself.

A living trust is concerned with your property (assets). It allows you to place your property into the trust while you are living. When you die, those properties in the trust automatically go to your heirs without having to go through probate. While you save on probate fees, there are expenses associated with setting up a trust.

A will also dictates how your property will be distributed after your death. It affects only property owned by you that does not automatically pass through joint tenancy or a designated beneficiary.

Before your estate can be distributed by will, it must go through the probate process. Preparation of a will is less expensive than setting up a living trust, but there are fees associated with probate.

I hope these simple definitions help a little.

Q: My aunt, who is not in the best of health, lives out of state. I would like to assist her from here. Do you know of any way to obtain information about what is available in her location?

A: The Eldercare Locator is a nationwide directory assistance service designed to help those providing long-distance assistance. The Eldercare Locator is available from 6 a.m. to 5 p.m. Pacific time Monday through Friday. The toll-free number is 800-677-1116. The locator will be able to provide organization names and telephone numbers so you may contact them directly.

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It's possible to find good contractors

Thu, 01 Sep 2011 00:00:18 GMT

By Betty Berry, Tuesday, July 19, 2011 Q: My home is in need of some repairs, but I have heard some horrible stories about contractors taking advantage of seniors and hesitate to hire someone. How can I avoid becoming a victim?

A: We've all heard some stories, but in most day-to-day dealings, the majority of contractors do an honest job. There are, however, rip-off deals or impossible-to-refuse offers that make you forget the warning "buyer beware."

Home improvement projects and repairs are expensive, and thought and time should go into the selection of a contractor. Interview several contractors, ask for and check references and, if possible, inspect a previous job.

You should always pick the contractor — the contractor should not seek you out. A contractor who goes door-to-door telling you he is working the neighborhood should be a red-flag alert.

Make sure the contractor is licensed, bonded and insured. Check with the Contractors' Licensing Board to see if any complaints have been filed. More than one recent complaint should put you on notice of possible trouble.

Before deciding on a specific contractor, get several estimates. A legitimate contractor will provide a free job estimate that is easy to understand and specific about materials to be used and labor to be performed.

Once you decide on a contractor, request a written contract. It should include the services to be performed, costs, guarantees, warranties, and start and completion dates. Ask to see copies of professional licenses, insurance documents and some form of personal identification.

Before starting the project, make sure the contractor pulls the proper permits and secures a performance bond.

Never pay up front. Provide a down payment and pay the balance in installments. Final payment should not be made until the job is completed to your satisfaction or, if an inspection is required, after the inspector has completed a review.

Always request a release of lien from the contractor when the project is done.

Don't hesitate to ask questions. An honest contractor will be willing to provide information. If the contractor you select won't provide answers, look for one who will.

Q: In reading some literature on Medicare hospital coverage, I came across something called "benefit period" that I didn't fully understand. Could you provide a simple explanation?

A: A benefit period is a way of measuring use of hospital and skilled nursing facility services. It is important to know what constitutes a benefit period because there are certain limits to the coverage you can receive during a benefit period.

If you exceed the limits, you could be responsible for co-pays or full costs for continuation of those services.

The entire period you are treated in the hospital and/or skilled nursing facility for a spell of illness is known as a benefit period. It begins the first day you go into a hospital or skilled nursing facility and ends when you haven't received any inpatient hospital care or skilled care in a skilled nursing facility for 60 consecutive days. The 60-day period begins on the day you are discharged.

If you go back into a hospital or skilled nursing facility after one benefit period has ended, a new benefit period begins and your benefits will be restarted.

There are no limits to the number of benefit periods you can have, but for each benefit period, you will be responsible for the Medicare Part A deductible.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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You need information to help aging parents

Wed, 31 Aug 2011 23:40:25 GMT

By Betty Berry, Tuesday, July 12, 2011 Q: My parents are getting on in age and will eventually need my assistance. I have no idea where to start planning. Can you suggest some starting points?

A: Many people avoid dealing with this subject until a crisis arises. You are to be congratulated for wanting to be prepared. There are three areas that you should become knowledgeable with: living arrangements, medical coverage and estate planning.

Talk with your parents about their thoughts on future living arrangements when and if they become unable to care for themselves. If they want to remain in their own home, you will need to familiarize yourself with the community resources available to provide the support they will require. You should also research alternative living arrangements in case remaining at home is no longer an option.

You will have to become familiar with the type of medical coverage your parents have selected and what it covers.

You should obtain the name and phone number of their primary-care physician and any other physicians treating them. Become aware of any illness or disabilities they have and especially what medications they take.

Estate planning includes legal, financial and final-needs issues. You should find out if your parents have an advance health directive, a will and/or trust, and a general power of attorney for finances.

Know who has copies of these vital documents or where they are kept. If your parents have an attorney, you should also have his or her name and telephone number.

Finances are a key part of making any arrangements. Discuss with your parents their financial resources, both income and assets. This information will be of utmost importance if you need to place them in a long-term care facility or apply for government-assisted programs. You should also know if they have long-term-care insurance.

The most difficult area to discuss will be final needs. Try to find out if your parents have made funeral arrangements and possibly have prepaid. If no plans have been made, encourage them to tell you what they want.

Discuss all issues with your parents while they are still able to make appropriate decisions and make their wishes known and if you have siblings, make them part of that discussion.

Q: I'm ashamed to admit I was the victim of a scam. Can you give some hints that will help others spot a con artist?

A: Don't beat up on yourself for being taken — anyone can be a victim.

A clever con artist is a good actor who disarms the victim with a good-guy approach. Potential victims often share the same characteristics. Many times, they will be older, female, living alone and very trusting. But if that description doesn't fit you, be careful; others become victims, as well.

You'll likely never detect a con artist by looks. However, words and expressions can reveal his or her true identity. The con artist's ultimate goal is the victim's assets. The scheme will often require cash only or involve secret plans and get-rich-quick and something-for-nothing promises.

Time is always of the essence. A potential victim will be required to act in haste. Today-only or last-chance opportunities are seldom good investments.

Money-saving home improvement projects offered door-to-door by workers with leftover materials may not be so economical. The materials are often defective or inferior.

The con artist can dream up more ways of separating cash from a victim than we can comprehend. If you are a victim, don't be too embarrassed to report it to authorities or testify in court. This is the only way to help stop this kind of crime.

Happenings

Today, 1:30-3 p.m.: Seminar, "Are You Listening — Communication Is a Two-Way Street"; Westlake Civic Center, 31200 E. Oak Crest Drive, Westlake Village.

July 18, 1:30-3 p.m.: Seminar, "Will You Pass Your Next Driving Test?" Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For reservations, call 381-2744.

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Signs of hearing loss

Wed, 31 Aug 2011 23:37:45 GMT

By Betty Berry, Tuesday, July 5, 2011 Q: My daughter has been nagging me about my hearing. She says I'm missing out on a lot in life by not getting a hearing aid. I think my hearing is just fine. How can I prove to her there is no problem?

A: Sorry to take sides in a family disagreement, but your daughter could be right. As we age, we all encounter changes in both our hearing and vision, and it always amazes me that almost everyone will have their eyes tested while very few will go for a hearing test.

To answer your question, I contacted an audiologist, who provided me with some indicators of possible hearing loss. If you find yourself frequently asking people to repeat themselves or turning your ear toward a sound or speaker to hear better, you may be experiencing some hearing loss.

Do you find yourself understanding speakers better when you wear your glasses and/or face speakers directly? This could be your subconscious way of compensating for your inability to hear by doing some lip reading.

Have you had difficulty understanding conversations in a group setting such as a restaurant where several conversations occur simultaneously and/or background noise is present?

When listening to radio or television, how high is the volume? Does your daughter comment on how loud it is?

If you answer yes to any of these questions, you might consider making an appointment with a hearing specialist. Don't allow yourself to miss out on socialization and enjoyment if there is a way to prevent being left out.

Q: I have just moved to California from the East Coast and want to know if such a move makes it necessary to have a new will prepared. If a new will is not needed, in which state would my executor present my existing will for probate?

A: Since relocation is very common nowadays, your question may be on the minds of many others who have changed their state of residency since executing their will.

You do not need to execute a new will because of your move from one state to another. A written will made outside of California is valid in California if it complied with the laws of the state in which it was executed.

You should, however, review your will periodically to ensure it reflects your current wishes. Addition or deletion of assets as well as family changes such as marriage, divorce, birth, death or adoption should serve as reminders to update you will.

Your executor must present your will for probate in the jurisdiction (county and state) in which you were a resident at the time of your death.

If your estate includes real property located in other jurisdictions, additional probate will be required in those jurisdictions for the purpose of proving title and for protection of local creditors at those locations.

Happenings

July 11, 2-3 p.m.: Seminar, "Prescription Drug Interactions With Herbal and Over-the-Counter Drugs," Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For reservations, call 600-4182.

July 13, 1:30-3 p.m.: Seminar, "Are You Listening? Communication Is a Two-Way Street," Westlake Civic Center, 31200 E. Oak Crest Drive, Westlake Village. No reservations required. For information, call 495-6250.

July 18, 1:30-3 p.m.: Seminar, "Will You Pass Your Next Driving Test?" Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For reservations, call 381-2744.

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When to enroll in Medicare depends on employment status

Wed, 31 Aug 2011 23:35:12 GMT

By Betty Berry, Tuesday, June 21, 2011 Q: I am about to turn 65 and had planned to enroll in Medicare, however, a friend told me that since I was going to continue working I shouldn't enroll until I quit working. Can you explain how my continuing to work has any effect on when I should sign up?

A: Your question is one that many struggle to understand and your friend's advice could be correct or incorrect depending on your particular situation.

First you must understand that Medicare consists of several parts. Part A is hospitalization coverage, Part B is medical coverage and Part D covers prescription drugs.

Medicare Part A comes to most Medicare beneficiaries with no monthly fees. All beneficiaries should sign up for this coverage when they turn 65.

Medicare Part B covers doctors' services, lab fees, etc. It comes with a price tag. There is a monthly premium for this coverage. Whether you should sign up for Part B coverage depends on whether you or your spouse plan to continue working and receive health care coverage through an employer.

If the company you or your spouse are working for has fewer than 20 employees you must sign up for Medicare Part B. Medicare will be your primary coverage and any insurance provided by your employer would then become secondary coverage.

If you are 65 or older, or if you have a spouse of any age, who is working and either your or your spouse's employer has 20 or more employees and that employer offers health insurance you have a choice.

This rule also applies if you or your spouse is self-employed and covered by a plan through connection with a firm that has 20 or more employees.

You may accept or reject any employer's plan that is offered. If you accept the plan it will be your primary health care coverage. You can enroll in Medicare Part B if you wish. It would become a secondary coverage for some expenses.

Whether you wish to enroll in Medicare Part B will depend on how fully the employer plan covers doctors and health services. You would also need to consider whether the secondary benefits Medicare Part B would provide would be worth the monthly cost to you. Medicare Part B monthly premium for 2011 is $115.40.

If you choose to reject the employer's plan then you most certainly should enroll in Medicare Part B and it will be your primary health care coverage. If you make this choice the employer plan cannot become a supplemental plan to Medicare. If you feel you need additional protection to cover what Medicare doesn't cover you must then consider purchasing a "medigap" policy.

You can, if you wish, also keep the employer's plan if it offers coverage for non-Medicare covered items such as hearing aids, vision tests and glasses and routine dental care. Again you will want to consider the cost, if any.

Medicare Part D, the newest Medicare coverage, covers prescription drugs. A beneficiary who has enrolled in Part A and/or Part B is eligible for this coverage. If you opt for an employer's plan and it has prescription drug coverage that is equal to or better than Part D coverage you do not need to enroll in a Part D plan.

As long as you or your spouse continue working for an employer who has 20 or more employees and are covered by an employer's plan you can postpone enrollment in Parts B and D until you stop working or the employer discontinues that coverage. At that time you have a special enrollment period to enroll in Medicare Parts B and D without penalty.

I hope that helps a little in helping you decide.

Happenings

June 30: "Salute To Our Veterans" celebration; will start promptly at 11 a.m. at Cypress Place, 1220 Cypress Point Lane in Ventura; a barbecue lunch and musical entertainment will follow the ceremony. For information and reservations call 650-8000.

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Helping others be comfortable around disabilities

Wed, 31 Aug 2011 23:32:19 GMT

By Betty Berry, Tuesday, June 14, 2011 Q: I am a disabled senior active in a number of activities. However, I'm considering dropping out, as my disability seems to make those around me uncomfortable. Before I do that, I wonder if there is anything I can suggest to others to make them more comfortable in my company?

A: First, I want to commend you on remaining active despite having a disability and to encourage you to continue doing what you do. Remaining active allows you to enjoy a productive life, which many who have disabilities do not.

I spoke with several people who had some type of disability, and they suggested a few simple ways to help make others more comfortable when in their company. Since you did not mention what your disability is, I hope that one of these suggestions will help you.

First, let's address meeting someone with a visual impairment. When you first encounter someone with a vision problem, they are at a disadvantage, since they cannot see or identify the person approaching them. It was suggested that you should always identify yourself when greeting them. If group conversation is taking place, it is more helpful if each speaker names the person to whom he or she is speaking. This helps eliminate a lot of confusion.

When meeting with someone who is hearing-impaired, you should always face them directly when speaking. You should speak clearly, and please don't shout, as that makes hearing even more difficult. Speak at a normal speed, enunciate clearly, and keep objects and hands away from your mouth. Most hearing-impaired people as well as many non-hearing-impaired people read lips as part of the listening process.

In both vision and hearing-impaired encounters, don't worry about using common everyday phrases in your conversation. The person with a vision problem won't take offense if you say, "did you see," and the person with a hearing problem won't be upset if you say, "have you heard."

When in the company of a person with a speech impediment, be a patient listener. Listen attentively and don't interrupt or try to finish sentences for him or her. If you need to ask questions, word them so that short answers can be given. However, don't pretend you understand if you don't. Just repeat what you heard and let the other party respond to or correct what he or she said.

If the speech-impaired party uses an interpreter, you should remember to speak directly to the impaired party, and never the interpreter. Your conversation is not taking place with the interpreter.

Someone in a wheelchair is at a disadvantage in a conversation situation if you are standing while they are seated, since this requires the person in the wheelchair to continually look up. If possible, sit down so you are both at the same eye level. Also, while standing, it is a no-no to lean on someone's wheelchair. Consider the chair to be part of the person's body and treat it appropriately.

If you feel you need to offer some type of assistance to a disabled person, ask if assistance is wanted and wait until that assistance has been accepted before acting. The person may or may not want or need the help you are offering, or there may be a particular method that should be used.

Never attempt to move someone in a wheelchair without telling them what you plan do. A sudden unexpected movement can be very unnerving.

Anxiety usually arises because someone doesn't know if they should or shouldn't mention the disability. It is suggested that the safest route is to not mention the disability unless it comes up naturally in the conversation.

Happenings

Friday, 1:30-3 p.m.: Seminar, "Understanding Your Medicare Coverage," Goebel Senior Adult Center, 1385 E. Janss Road in Thousand Oaks. To be facilitated by Senior Concerns advocate. For information and reservations, call 381-2744.

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Using credit cards cautiously

Wed, 08 Jun 2011 21:31:50 GMT

By Betty Berry, Tuesday, June 7, 2011

Q: I'm really concerned about a very good friend who seems to think that credit cards are a "gift from heaven." She has run up extremely high balances and is now having trouble paying her bills. I would like to talk with her about the problem, but don't know what to suggest. Can you shed any light on what I can tell her?

A: You have brought up a very serious problem that is being experienced by many individuals, including a growing number of seniors. I am sure most of us know of someone who uses their credit cards to the extreme without realizing the consequences.

Having a credit card can certainly be a convenience and, in the case of an emergency, a blessing. But having a card can also be a trap resulting in overspending.

If we use a credit card, we have a responsibility to ourselves to use it with restraint and to the credit card company to have the ability to pay the bill.

Remember that using a credit card is nothing more than obtaining a short-term loan. So before zipping out your card for a purchase, ask yourself, "Would I really take out a loan to make this purchase?"

Keep your purchases within your income limits so that you can pay your bill in full each month. If you don't pay in full, you'll find interest charges added to the balance, and those fees accumulate quickly, making it even more difficult to pay the account in full the next month. If payments are late or missed, additional monetary penalties will be applied.

By paying only the minimum amount stated on the bill, the remaining balance that already includes interest and penalties is subject to additional interest charges. By paying only the minimum balance required, it will take years, if ever, before the bill is paid off.

If you are finding it difficult to pay the entire balance each month, consider canceling your account or at least putting away the card until such time that you have your spending under control.

Restrict the number of cards you have and never apply for more credit than you can handle. Don't be hooked into accepting cards because there is a free gift or discount on a purchase.

Don't be tempted to get a new card because of a very low interest rate. Often, this is a "come-on" and after a month or two, that introductory rate is replaced by a much higher rate.

Understand the rules that apply to your card. Know the interest rate. Determine whether that rate applies to previous balances only or if it also is applied to current purchases. Be aware of when your payment is due and whether there is a grace period. Keep in mind that grace periods and payment dates can be changed.

Review any enclosures that accompany your bill, as they often contain important information about changes in the handling of your account.

If you have a card you are not currently using, make sure you are not charged an annual fee for nonuse. One company I know of charges an annual fee if the holder doesn't use the card at least six times a year. If you have such an account, consider closing it.

Keep track of unpaid amounts and past-due notices. If you stop hearing from these creditors, it doesn't mean the debt has been forgotten. It more likely it means the account was turned over to a collection agency and will be reflected on your credit report.

Having good credit is very important in today's environment, and it is up to you to establish and maintain a good credit record. No one else is going to do it for you.

Happenings

Today, 1:30-3 p.m.: Seminar, "Self-Assess Your Driving Ability," Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village.

June 17, 1:30-3 p.m.: Seminar, "Understanding Your Medicare Coverage," Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For reservations call 381-2744.

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Understanding wills and trusts

Mon, 06 Jun 2011 18:24:14 GMT

By Betty Berry, Tuesday, May 31, 2011

Q: I am trying to get my affairs in order and am somewhat confused by some of the terms associated with wills and trusts. Could you provide definitions for those terms?

A: That's an excellent question. I'll try to define some of the most common terms that you will likely encounter. Some may be very familiar, while others may be completely new, and some may have a slightly different meaning than you have been using.

If preparing a will is part of your plan, you should know the meaning of "testator," "executor," "heir," "issue," "minor," "codicil" and "probate."

A testator is the person, you, who makes a will. An executor is the person named by you in the will to carry out the provisions and directions of your will after your death.

An heir is a person who inherits or is legally entitled to inherit under state law. The term "issue" generally means your children and grandchildren and includes any adopted children you may have.

A minor is anyone under the age of legal competence. In California, the age of legal competence is 18.

A codicil is a document that modifies the will itself and must be executed in the same manner as the will it addresses.

Probate is a court process that has the purpose of protecting the heirs from fraud and embezzlement, ensures that any outstanding debts are paid and sees that all federal, state and local taxes are paid by the estate. Probate starts when the will is admitted to the probate court and ends after all debts are paid and assets accounted for and distributed.

If your plans include a trust, then you must be familiar with the terms "settlor," "trustor," "granter," "grantee," "trustee" and "intervivos," "revocable" and "testamentary" trusts.

The terms "settlor," "trustor" and "granter" are interchangeable and refer to the person who is creating the trust that grants the contents of the trust to another who is known as the grantee.

A trustee is the named individual or corporation having the powers spelled out in the trust to carry out the wishes of the creator.

An intervivos trust is a trust created between living people also known as a living trust and is usually revocable, which means it can be changed or revoked by the person who created it.

A testamentary trust is one that comes into being only as a result of the death of a person whose will provides for the creation of the trust after death.

I hope these definitions have been of some help. Remember that estate planning covers more than just having a will or trust. Please make sure to check into other areas of concern while completing your estate planning and never hesitate to seek professional assistance when creating these documents.

Happenings

June 5: Senior Concerns Love Run 5K, 10K and 1K run/walk at 7 a.m., 2815 Townsgate Road, Westlake Village. For information, call Susan at 497-0189 or email susan@seniorconcerns.org.

June 8: Seminar from 1:30 to 3 p.m., "Self Assess Your Driving Ability." at Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village, facilitated by Senior Concerns advocate. No reservations required. For information, call 495-6250.

June 17: Seminar from 1:30 to 3 p.m., "Understanding Your Medicare Coverage," at Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. Facilitated by Senior Concerns advocate. For information and reservations, call 381-2744.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362. Phone 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Looking out for fraud

Mon, 06 Jun 2011 18:21:26 GMT

By Betty Berry, Tuesday, May 24, 2011

Q: In the past, I've heard about Medicare fraud and how important it is for everyone to fight it. I'm sure fraud occurs in all areas of care, but I am concerned with services provided by in-home care agencies. What red flags would you suggest we look for?

A: You are correct. Fraud occurs in all areas of our health care system. Although most home health agencies are honest, there are a few who commit fraud.

To know if billing for services is correct, you need to be aware of two things. First, you need to understand exactly what services your doctor has prescribed for your care. You will also need to educate yourself as to what Medicare does and does not cover.

If there is something in your care plan that you don't understand, ask questions. Continue to ask until you are satisfied that you understand what services you are to receive and what to expect from those services.

Don't hesitate to question the in-home care agency about visits by the staff that you feel are excessive or unneeded. Always check your Medicare summary notice carefully. Make sure the dates of service match the dates you were visited and that the description of the care provided is correct.

Always question payments made for services or equipment that you never received. Never give in to pressure to accept services or equipment that you know are not prescribed as part of your care plan.

The doctor approving your home health service should be involved in your care, and if changes to your care are suggested, your doctor should be involved in determining those changes.

Be suspicious of any agency that offers you free services or equipment in exchange for your Medicare number. Treat your Medicare and Medi-Cal numbers like they were cash or credit cards and never give your number to anyone who doesn't have official need for it.

If you suspect fraud, you should call Medicare at the customer service telephone number on the front of your Medicare summary notice. Each call will be taken seriously.

Q: I have a friend who has several chronic health problems and at times is not coping with them very well. I think she could use some encouragement. Do you know if there is some type of activity or class that would be beneficial to her overall attitude about living with these conditions?

A: Your friend is very lucky to have a friend like you who is concerned about her well-being.

To answer your question — the answer is yes. Next month, there is a new program being offered in the east county.

The program "Healthier Living: Managing Ongoing Health Conditions" offers participants effective and practical coping strategies to manage their health conditions. It is a six-week program and is scheduled for Tuesday mornings from 9 to 11:30 a.m. starting on June 14 and concluding on July 19. It will be held at the Goebel Senior Adult Center, 1385 E. Janss Road in Thousand Oaks. It is open to seniors age 60 and up with ongoing health conditions, and it is free.

The program consists of six 2 -hour workshops that will be facilitated by trained leaders. The curriculum includes behavior modification and coping strategies to enable participants to better cope with their chronic diseases, manage their medications and increase physical activity levels.

Registration is required for this series and can be made by calling 658-0365.

Healthier Living is co-sponsored by SCAN Senior Resource Center, Goebel Senior Adult Center and Senior Concerns.

Happenings:

June 5, 7 a.m.: Senior Concerns Love Run. 5K, 10K and 1K run/walk, 2815 Townsgate Road, Westlake Village. For information, call Susan at 497-0189 or email susan@seniorconcerns.org.

June 8, 1:30-3 p.m.: Seminar, "Self Assess Your Driving Ability," Westlake Civic Center, 31200 E. Oak Crest Drive, Westlake Village. To be facilitated by the Senior Concerns advocate. No reservations required. For information, call 495-6250.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org (please include your phone number). You are invited to submit questions on senior issues.

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Senior of the Year celebration

Tue, 24 May 2011 17:15:38 GMT

By Betty Berry, Tuesday, May 17, 2011

Q: A few weeks ago, you wrote about the Thousand Oaks Council on Aging's Senior of the Year program and indicated the award ceremony would be held June 2. Do you have the details as to where, etc.?

A: Yes, I now have all the details on the upcoming celebration. Thanks for asking.

People have no idea of the many ways that our seniors give back to our city. Almost every aspect of our lives is affected by volunteer services, and many of those volunteer hours are provided by seniors.

You will find our seniors at local museums and theaters. If you have taken a tour at the Stagecoach Inn or the Ronald Reagan Presidential Library & Museum, it was probably led by a senior. When you were ushered to your seat at one of the Civic Arts Plaza theaters, it was probably by a senior.

These dedicated volunteers can also be found in the schools as mentors to children, volunteering in policing to free up peace officers for more demanding assignments and in every nonprofit organization.

During the past months, the Council on Aging has been soliciting nominations for this honor. This year's nominees are Joanne Chang, Leonard Chapman, Lois Friss, Sally Garcia, Ron Gellenbeck, George Jones, Susan Keene and Toni Ranslem.

The naming of the Senior of the Year will take place at 5:30 p.m. June 2 at the Goebel Senior Adult Center. The evening will start with a barbecue chicken dinner catered by Stone Fire Grill and end with entertainment by the Aristicats — so bring your dancing shoes. The awards ceremony will be taped by Time Warner.

Tickets can be purchased in advance at the Goebel Senior Adult Center for $6. For more information, call 449-2743 or email councilonaging@toaks.org.

Q: I've been hearing a lot lately about medication errors and am concerned about my dad and his prescriptions. What might I do to help avoid a problem?

A: I did some checking with those who work with prescriptions and was told that about half of patient safety issues are related to medication. To ensure safety, patients or caregivers must take an active role in educating themselves about the illnesses and associated medications. There are basic questions to answer about each medication prescribed:

What is the name of medication prescribed and is it a brand name or generic drug? What is the purpose of the medication? How and when should the medication be taken and for what period of time? What side effects can be expected, and if they occur, what action should be taken? Is it safe to take this particular medication with other medications (prescribed and over-the-counter) or dietary supplements currently being taken, and what, if any, food, drink or activities should be avoided while taking the medication?

In addition, keep a list that includes the name, strength and frequency of each medication taken, and update the list every time medicines change.

Ask the pharmacist to print the name and purpose of the drug on the container label.

Discard old prescriptions so they won't be confused with those currently being taken.

I hope this helps some.

Happenings

Today 1:30-3 p.m.: Seminar "Will You Pass Your Next Driving Test?" at Simi Valley Senior Center, 3900 Avenida Simi, Simi Valley, facilitated by Senior Concerns advocate. For details, call 583-6363.

June 5: Senior Concerns Love Run — 5K, 10K and 1K run/walk; 7 a.m.; 2815 Townsgate Road, Westlake Village. For details, call Susan at 497-0189 or email susan@seniorconcerns.org.

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3 steps to help avoid identity theft

Tue, 24 May 2011 17:12:26 GMT

By Betty Berry, Tuesday, May 10, 2011

Q: I am trying to educate my widowed mother about protecting herself from identity theft. But my words are falling on deaf ears. She reads your column. Can you help?

A: I'll try. Identity theft is a serious crime that can cost you time and money, destroy your credit and ruin your good name.

There are three steps you can take to protect yourself. Think of them as the three D's; deter, detect and defend.

You can deter identity thieves by protecting your vital information. This can be accomplished by shredding all documents that contain personal information before disposing of them. Protect your Social Security number — give it out only when absolutely necessary. Don't use obvious passwords such as your birth date, mother's maiden name or last four digits of your Social Security number, and keep personal information in a secure place at home.

You can detect suspicious activity by being alert. Be aware of when bills should arrive each month, and if they don't arrive, make inquiries. Have you been denied credit for no apparent reason or have you been contacted about a purchase you did not make? Any of these occurrences require your immediate attention.

On a timely basis, inspect your credit reports and financial statements. Question discrepancies.

If you suspect identity theft, take action and defend against it. Place a "fraud alert" on your credit reports. Close any accounts that have been tampered with and file a police report.

Identity theft happens in many ways, including Dumpster diving, skimming credit card numbers, phishing on the Internet, diverting billing statements to another location and just plain, old-fashioned stealing.

It isn't hard to protect yourself. Just take a few simple steps and incorporate them into your everyday schedule. It will pay off — saving you time, money and grief in the long run.

Q: I and several of my friends were talking about our health care coverage, which is Medicare, and were surprised to discover we had different understandings on several areas of coverage. Is there somewhere we could go to clear up these misunderstandings?

A: Medicare coverage is a very complex plan with a number of options available. I am sure you and your friends are not the only ones who could use a refresher course.

"Medicare 101" will be presented at 10 a.m. May 19 in the Pavilion Room of the Courtyard by Marriott, 800 Esplanade Drive in Oxnard.

The event is being sponsored by Kaiser Permanente and will be facilitated by a spokesman from the Health Insurance Counseling and Advocacy Program, or HICAP. There will be time for questions and answers, so I am sure you can obtain the information you need. HICAP is a program sponsored by the Ventura County Area Agency on Aging.

Reservations for the seminar can be made by calling 800-600-4182.

If you cannot attend May 19, the program will be repeated at 1:30 p.m. June 17 at the Goebel Senior Adult Center in Thousand Oaks.

Happenings

Today, 1:30-3 p.m.: Presentation on "Supplementing Your Medicare Fee-for-Service Coverage," Westlake Village Civic Center, 31200 E. Oak Crest Drive, facilitated by Senior Concerns advocate.

May 18, 1:30-3 p.m.: Presentation on "Will You Pass Your Next Driving Test?" at Simi Valley Senior Center, 3900 Avenida Simi, facilitated by Senior Concerns advocate. For information and reservations, call 583-6363.

June 5, 7 a.m.: Senior Concerns Love Run — 5K, 10K and 1K run/walk; 2815 Townsgate Road, Westlake Village. For details, contact Susan at 497-0189 or susan@seniorconcerns.org.

More ...

Seminar to discuss hospice care

Thu, 05 May 2011 18:52:02 GMT

By Betty Berry, Tuesday, April 26, 2011

Q: I am interested in learning more about hospice care. Is there someone or somewhere that I can get this information?

A: Yes, there is. The next seminar in Senior Concerns' "Solving the Aging Puzzle" series will address hospice care and who provides such services and where. "Hospice: When? Why?" will be facilitated by two hospice organizations, Hospice of the Conejo, a volunteer organization, and Buena Vista Hospice, a Medicare-approved provider.

The speakers will address when you should use hospice services and benefits of such services. The presentation also will dispel the myths about hospice care and provide guidelines as to when you should have a conversation about getting hospice care.

This should be a most informative presentation. Reservations are suggested and can be made by calling Senior Concerns at 497-0189. If you should forget to make reservations, walk-ins are welcome if seating is available.

If you need respite care for a special-needs senior so you can attend, you can make arrangements for that care at the center when making your reservation. Reservations for respite care are required.

Q: I am new to Medicare and have been told that Medicare doesn't cover everything. I am looking for information about options to supplement Medicare. Where can I obtain unbiased suggestions?

A: It is never too early to investigate the options and then be able to make an informed decision when the time comes.

For a good review of what is available, you should mark your calendar for the next "Senior Issues" seminar.

"Supplementing Your Medicare Coverage" is scheduled for 1:30 to 3 p.m. May 11 at Westlake Village Civic Center, 31200 E. Oak Crest Drive in Westlake Village. The seminar will be facilitated by the senior advocate and will address the need and ways you can supplement your Medicare coverage. Information will be given about Medigap policies, supplemental policies, employers' retirement policies, prescription drug coverage policies and veterans' benefits.

You will learn how these policies work and whether you need more than one. You will become aware of the only time Medicare will pay for care in a skilled nursing facility.

No reservations are required. For more information, call 495-6250.

Q: If I remember correctly, in years past, the city of Thousand Oaks has recognized a senior for volunteer services he or she has provided to the community. Is this honor still being given and, if so, when?

A: Yes, this program known as Senior of the Year is still in existence, and the Thousand Oaks Council on Aging is currently in the process of accepting nominations.

Any organization or individual residing in the Conejo Valley may submit a nomination. The nominee must be at least 60 years of age and a resident of Thousand Oaks or the areas within the city's sphere of influence for three of the past five years.

Criteria for the award are based on the nominee's volunteer services benefiting the community of Thousand Oaks. Longevity of service is not a consideration, and all contributions to the community will be considered.

Nomination forms are available at the Goebel Senior Adult Center. Deadline for filing an application is Monday. Time is of the essence, so make your nomination today. The award ceremony will be June 2 at the Goebel Senior Adult Center. More about that later.

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Senior Advocate: Making sense of health care options for seniors

Wed, 20 Apr 2011 16:53:20 GMT

By Betty Berry, Tuesday, April 19, 2011 Q: I am attempting to help an elderly relative with selecting health care coverage. I am so confused and I can't believe that a senior is required to understand all of the options available. I have run into Medicare, MediCal, Medicaid, Medigap and Medicare Advantage. Everything starts with "M," and they all sound alike. Also, can a senior only have one of these items or can they have a combination. Can you help a nonsenior make sense of all of this?

A: At first glance, this may seem overwhelming, but I think I can provide some definitions that will help clear up this confusion. Sorry about everything starting with "M," but all plans mentioned are related to Medicare coverage, the main health care coverage for seniors, and "M" seems to be the common denominator.

Let's take the items you mentioned in order and start with Medicare. Medicare is a nationwide, federally financed health insurance plan for the senior population (65 and older), the disabled (those eligible for Social Security disability benefits) and people on dialysis for chronic kidney disease. It is the major health insurance used by the senior population and has been in effect since 1965. Medicare is a fee-for-service program under which the cost is billed to the government. This option is one that remains today.

You next mention MediCal and Medicaid. I put these two programs together because they are basically the same. Medicaid is a federal health care assistance program that is designed to help pay medical expenses for low-income families. MediCal is California's version of that federal program.

The MediCal program is jointly funded by the federal government and the state of California. Each state designs and administers its own program, and it is managed on a county basis. To be eligible for MediCal, coverage applicants must meet residency, age or disability requirements and must show need for financial assistance.

Medigap insurance is an additional coverage that is purchased by many seniors who are covered by original fee-for-service Medicare. Since Medicare does not fully cover health care costs, the purchase of a Medigap policy provides coverage for those expenses approved by Medicare but not included in Medicare's payment. These policies also offer some additional coverage for items not covered under the Medicare system.

Last, but not least, is Medicare Advantage. Medicare Advantage, now known as Senior Advantage, was added to Medicare coverage in the 1980s and gave seniors a choice of how they wanted their coverage provided. This addition gave seniors a choice of selecting Medicare fee-for-service or assigning their coverage to an alternate plan. Medicare Advantage plans include HMOs and PPOs.

You asked if beneficiaries are restricted to only one type of coverage. Someone with Medicare fee-for-service is very likely to also have a Medigap policy and could also qualify for MediCal.

A person with an HMO or PPO would not need a Medigap policy but could qualify for MediCal. Those who have Medicare and MediCal are referred to as dual-eligible (previously called a Medi-Medi).

This is a very simple explanation of the various parts of the Medicare health care program, which is a very complicated plan. I hope it helps you to put the pieces together.

Betty Berry is an advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Program to focus on planning for emergencies

Wed, 20 Apr 2011 16:49:44 GMT

By Betty Berry, Tuesday, April 12, 2011 Q: With all the disasters occurring in the world, I'm thinking it is time to review what to do in various situations. Do you know of any organization offering such a program?

A: Good thinking. It is never to early to be prepared — and yes I think I have the program for you to attend.

Senior Concerns and Moving Seniors Forward are co-sponsoring "Senior 911: Be Prepared-Planning Ahead for Emergencies." It is scheduled for April 30 at the Simi Valley Senior Center, 3900 Avenida Simi in Simi Valley.

The day will start with registration at 8:30 a.m. and the program will be 9 a.m. to noon.

The program will cover a variety of situations. Gold Coast Ambulance will provide information on handling personal medical emergencies. The American Red Cross will be there to talk about disaster response and the Fire Department will address household emergencies. The Simi Valley Police Department will discuss home and personal security.

All of this vital information will certainly help attendees be better prepared should an emergency occur.

The morning will also include a complimentary breakfast and an opportunity drawing.

For reservations, call Simi Valley Senior Center at 583-6363 no later than April 26.

Q: Does Medicare help pay for items such as artificial limbs, back braces and corrective shoes?

A: Yes. Medicare Part B (medical insurance) is the vehicle used to file this type of claim.

Medicare Part B helps to pay for prosthetic devices needed to replace internal body organs such as corrective lenses needed after cataract operations, ostomy bags and related supplies, and breast prostheses, including a surgical brassiere after a mastectomy.

Medicare will also help to pay for artificial limbs and eyes as well as arm, leg, back and neck braces. Orthopedic shoes, however, are not generally covered unless they are an integral part of the leg braces and the cost is included in the charge for the brace itself.

The cost of therapeutic shoes and shoe inserts is covered for people who have severe diabetic foot disease.

Reimbursement requires that the doctor who treats the diabetes must certify the need for therapeutic shoes and the shoes and inserts must be prescribed by a podiatrist, or qualified doctor and furnished by a podiatrist, orthotist, prosthetist or pedorthist. Medicare will only help to pay for one pair of shoes per calendar year.

Of course Part B also helps to pay for surgical dressings, splints and casts ordered by your doctor when used in connection with your treatment.

Dental plates and other dental devices such as braces are never covered under the Medicare program.

Q: I understand Social Security has a program to assist individuals who cannot manage their financial affairs. Can you provide some details?

A: There is such a program for people who receive Social Security and/or SSI and are not able to handle their own financial affairs. After a thorough investigation Social Security will appoint an interested third party to handle their Social Security matters only.

This appointee is called a "representative payee" and all Social Security and/or SSI benefits due to beneficiary are made payable in the representative payee's name on behalf of the beneficiary.

The representative payee has many important responsibilities. Benefits received must be used only for the personal care and well-being of the beneficiary. Any excess must be saved for the beneficiary.

Social Security must be kept informed of any events which might affect the eligibility for benefits and a periodic accounting report must be filed with them to show how the money received was spent and/or saved.

For more information about the Representative Payee Program contact Social Security for the brochure "A Guide for Representative Payees."

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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HICAP can help with health care questions

Mon, 11 Apr 2011 20:50:39 GMT

By Betty Berry, Tuesday April 5, 2011 Q: Recently I asked a friend some questions about my health care coverage and she suggested that I contact an organization named HICAP for assistance. I've never heard of HICAP, don't know what the letters stand for or how to contact them. Do you know of this organization?

A: Your neighbor was very smart in suggesting that you contact HICAP. It is an organization that can provide you with excellent unbiased information about health care coverage for those who are covered or about to be covered by Medicare.

HICAP stands for Health Insurance Counseling and Advocacy Program. HICAP's counseling services are provided by fully trained volunteer counselors who are registered by the California Department of Aging and who act in good faith to provide information about health insurance policies and benefits to the senior population. The volunteers are very well trained and can provide a wealth of unbiased information.

They provide assistance to those with questions about Medicare, Medi-Cal, HMOs, PPOs, Medigap and Long Term Care Insurance in addition to assisting in resolving billing problems. They offer objective information to help seniors and others on Medicare make good decisions about their health care coverage.

They will give you both the pros and cons of each option available to you. They do not sell, nor are they affiliated with any health insurance provider.

These counselors not only undergo extensive initial training to become proficient but they are required by the state to take additional training annually to keep abreast of the many changes that occur in the senior health care program. They are truly beneficiary advocates.

They can help you because they understand the various options and how they fit or don't fit together. They understand Medicare and employers' health care plans. They are trained to be able to explain Medicare and compare Medigap (also known as supplemental) insurance plans. They can explain and compare the various Senior Advantage plans.

In addition they can help you organize doctor and hospital bills with insurance reports so you can determine what has been paid and by whom. They also know about and can explain government assistance programs for which you may be eligible.

All of these services are free of charge with absolutely no hidden fees.

HICAP services are available throughout Ventura County. To locate the closest service to you call the HICAP office at 477-7310 or inquire at your local senior center. Counseling is provided by appointment.

The HICAP program falls under the responsibility of Ventura County's Area Agency on Aging. With the changes that will be taking place in the health care field over the next several years I would suggest that you make yourself familiar with these services in your community.

Happenings:

April 12: Seminar 7-8:30 p.m. "This Is Where You Go For Information," Senior Concerns Day Care Center, 401 Hodencamp Road, Thousand Oaks. Facilitated by Lori Bliss and Betty Berry. For reservations call 497-0189.

April 13: Seminar 1:30-3 p.m. "Understanding Long Term Care and Insurance," Westlake Village. Facilitated by Betty Berry. No reservations required. For information call 495-6250.

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Seminar to focus on long-term care insurance

Mon, 11 Apr 2011 20:47:30 GMT

By Betty Berry, Tuesday, March 29, 2011 Q: I am thinking about investing in long-term care insurance but don't really know what questions to ask. Is there somewhere I can get information before I talk to a salesperson?

A: You are a very wise person. It is always best to do your own research before making any kind of investment.

I can tell you about an upcoming seminar that will provide a good base from which to work.

The Senior Concerns Advocate will present a seminar "Understanding Long-Term Care and Insurance" from 1:30 to 3 p.m. April 13 at the Westlake Village Civic Center, 31200 E. Oak Crest Drive in Westlake Village.

The presentation will explain what long-term care is and insurance available to pay for it.

The focus is to get attendees familiar with terminology and options and to put seniors on an even keel with the salesperson in discussing their needs.

The next seminar scheduled for May 11, "Supplementing Your Medicare Coverage," is a subject seniors should become familiar with. This seminar will address the need and ways to supplement Medicare coverage.

It will address Medigap policies, supplemental policies, employers' retirement policies and veterans benefits. Attendees will learn how policies work and whether more than one is needed. The seminar will also touch on Senior Advantage Plans.

This series of presentations, "Senior Issues," is offered by Senior Concerns in cooperation with the city of Westlake Village. The seminars are given on the second Wednesday of the month except in August and December.

Reservations are not required. For more information, call 495-6250.

Q: I am a senior new to the area and have some questions about services and resources. Do you know who might be a good contact for unbiased information?

A: Yes I do. Senior Concerns' "Solving the Aging Puzzle" seminar series will address the subject you have asked about.

You might want to circle April 12 on your calendar.

The seminar titled, "This Is Where You Go for Information," will provide attendees with general information about Senior Concerns programs and give details on the counseling and information and referral services.

Lori Bliss, case management coordinator, will discuss the role of the case management coordinator and how she can assist caregivers and seniors with information and resources available to help fill their needs. Her discussion will include information about in-home care, in-home care agencies, placement and eligibility for various programs.

At the meeting, I will explain what services the senior advocates' office provides and how those services assist seniors and their families in resolving questions about a variety of senior issues. I will include information about Medicare, Medi-Cal, Social Security and insurance options, and also talk about the importance of completing various forms in a timely manner.

It should be a very informative evening, and I think attendees will be surprised to find that all these services are available right here in the area and easily accessible.

The presentation will be from 7 from 8:30 p.m. at Senior Concerns Day Care Center, 401 Hodencamp Road in Thousand Oaks. Reservations are suggested and can be made by calling Senior Concerns at 497-0189.

If you need respite care for a special-needs senior so that you can attend the seminar, you can make arrangements at the center when you make your reservation. Reservations for respite care are required.

Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road in Thousand Oaks, phone 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Understanding Medicare forms

Thu, 24 Mar 2011 21:35:49 GMT

By Betty Berry, Tuesday, March 22, 2011

Q: On occasion my doctor's office asks me to sign some sort of release saying if Medicare doesn't pay them, I'll be responsible. Can you explain the reason for such a step?

A: Medicare beneficiaries are often asked by their doctor's office to sign a form agreeing to pay for specific medical care if it is believed by the provider that Medicare does not cover the particular treatment being provided.

Medicare pays only for services and treatments that are "medically necessary," and regulations state that if the beneficiary knows or could reasonably be expected to know that Medicare would not cover the service or treatment prescribed, liability for the charge rests with the beneficiary.

Therefore, the provider of services must notify the beneficiary in writing before treatment is given stating Medicare likely will not pay for the services. In that notice, the provider must state the reason why the charge may not be covered. In addition, the advance notice must give the patient an idea of why the provider believes Medicare may deny payment.

This procedure allows the patient to make an informed decision on whether to go ahead with the service and possibly be required to pay out-of-pocket. The requirement for advance notice is not satisfied by a signed statement that merely states if Medicare denies payment, then the patient agrees to pay.

It also is unacceptable for a healthcare provider to issue a general notice stating Medicare denial of payment is possible or that the provider is never sure if Medicare will cover the prescribed service.

Providers should not give such notice unless they have some genuine doubt about the likelihood of coverage. Giving such notice to all Medicare beneficiaries is not an acceptable practice. If you are given such a notice and don't understand the reasons given, ask for a detailed explanation.

Ultimately it is Medicare that determines if the prescribed treatment or services are covered. Medicare also makes the decision about whether the proper issuance of an "advance notice" of possible non-coverage was provided.

If the patient believes he or she was given an improper notice or chooses to appeal an advance notice, they may do so by submitting a request in writing to Medicare.

Q: I have heard the Thousand Oaks Council on Aging has been providing some very interesting topics at their monthly meetings. Do you have any information about what is on the agenda for April?

A: I, too, have heard some great comments about those presentations.

Yes, I can provide information about the next meeting, which will take place at 1 p.m. April 6 in the boardroom at the Thousand Oaks Civic Arts Plaza, 2100 E. Thousand Oaks Blvd.

These meetings begin promptly at 1 p.m. as they are televised and have a live audience. There is a light lunch reception from noon to 12:45 p.m., when you can meet the speaker and talk with council members. Reservations for the reception are required and can be made by calling 449-2743.

April's program will focus on "Transportation for Seniors." This is a topic near and dear to every senior and one they should plan to attend.

The program will be facilitated by Mike Houser, a city of Thousand Oaks transportation analyst.

The issues to be addressed are enhanced hours, new reservation policies and expanded service areas for Dial-A-Ride; planned bus service changes; and funding.

Transportation is an important part of life, so why not plan to attend and get the answers you need.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or email betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Program available to help brain health

Thu, 24 Mar 2011 21:28:00 GMT

By Betty Berry, Tuesday, March 15, 2011

Q: Some time ago, you wrote about a Brain Fitness Program being offered by Senior Concerns. Is that program still available?

A: What a good memory. Yes, the Brain Fitness Program is still being offered, and a new four-week session is scheduled to begin March 28. The program is designed to improve and maintain brain health by making smart lifestyle choices and exercising the brain.

Senior Concerns has developed a fitness program and teamed with the Dakim Brain Fitness System to bring the most advanced system to fight the effects of dementia and Alzheimer's disease. The program consists of brain games, brain/body exercises and brain nutrition.

Three times a week, enrollees will have private 20-minute sessions on the Dakim System, which is a touch-screen program designed to exercise the six cognitive areas of the brain. Enrollees need no computer skills.

Once each week, participants will take part in a 50-minute group fitness session. This is designed to increase blood flow to the brain and help relieve stress. Physical exercise not only keeps the heart healthy but also the brain.

The exercise program is designed for people of all abilities, so no experience is required.

The four-week program also includes a one-hour seminar on nutrition. It covers information about foods that increase brain function and improve brain health.

The fee for this four-week program is $129. For more information or to make a reservation, contact Senior Concerns at 497-0189 or http://www.seniorconcerns.org.

Why not plan to give it a try? It is never too early or too late to get started.

Q: I am going to have to renew my driver's license this year and am wondering when the seminar "Will You Pass Your Next Driving Test?" will be offered. Can you give me dates and locations?

A: The seminar you are asking about is offered every other month at different locations.

The next offering will be May 18 at the Simi Valley Senior Center, 3900 Avenida Simi. The seminar will run from 1:30 to 3 p.m.

The seminar also will be offered July 18 at the Goebel Senior Adult Center, 1385 E. Janss Road in Thousand Oaks. Again, the time will be from 1:30 to 3 p.m.

The Moorpark Active Senior Center will host the seminar from 1 to 3 p.m. Sept. 7. The center is at 799 Moorpark Ave.

The final seminar of the year is scheduled for 1:30 to 3 p.m. Nov. 9 at the Westlake Village Civic Center, 31200 E. Oak Crest Drive.

To be effective, you should try to attend the seminar four to six weeks before your license renewal date. This gives you sufficient time to study for the big day.

For more information, call the Senior Advocate's office at 495-6250.

Happenings:

March 24, 9 a.m. to 4 p.m. — Toxic Medicine Symposium, Residence Inn by Marriott at River Ridge, 2101 W. Vineyard Ave., Oxnard. To reserve your seat, call 656-1986 or e-mail admin@ombudsmanventura. To register, visit http://owww.ombudsmanventura.org. The $25 registration fee includes materials and lunch. Mail checks to Long Term Care Services of Ventura County, 2021 Sperry Ave., Suite 35, Ventura, CA. 93003.

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Making homes more accessible

Wed, 09 Mar 2011 19:20:29 GMT

By Betty Berry, Tuesday, March 8, 2011

QUESTION: Our population is aging — that is being made very clear with the first of the baby boomers now reaching 65. Over the past years I have heard about designing homes for the older population and wonder if anyone is taking that seriously. Can you provide some issues that must be considered when building or remodeling for the aging population?

A: There are many issues that should be considered when building for this aging population. But rather than have a novice in this field talk about what must be considered, I turned to an architect-designer who I know very well and asked him to respond to your question. Here is what he had to say:

Age changes many things, even where we live. As age takes its toll, as abilities grow more limited, homes that have been accommodating havens for decades grow less friendly.

Doorknobs and cabinets become harder for arthritic hands to open. Doors and hallways are too narrow for wheelchairs. Climbing stairs with high, narrow steps becomes an ordeal. Hauling wet towels from a top-loading washer can demand a strength no longer available.

The usual home today is built for the average, able-bodied male, which comprises only about 8 percent of the population. They are built for people who can run up and down stairs and who have no problems. But as America's aged population grows larger, designers and builders are rethinking that approach.

They are paying more attention to "aging-in-place" or universal-design homes accessible for everyone regardless of age or physical capacity.

People older than 60 comprise about one third of the population. In the next 10 to 15 years, people older than 65 will make up 20 to 25 percent of the population. Universal-design homes will work for young couples raising children and later, when they are older and their brood has grown and gone, they can still live in and enjoy the same home.

The effects of aging must be taken into account. Most homes are two stories with bedrooms on the second floor. If a person, young or old, has an injury or a disability, it is difficult, if not impossible, to climb the stairs. Where will they sleep, in the living room? An all-on-one-floor home makes everything accessible to all who live there.

Most stairs are too steep to easily climb and too narrow coming down. Stair treads should be lower and wider. Bathrooms are usually the most inaccessible rooms. The doors are too narrow for wheelchairs to enter, and toilets lack side access and steadying grab bars. Correcting these and other shortcomings allow aging homeowners to stay longer in their homes and not be forced into a nursing home or care facility.

Typical modifications to a home to make it accessible for seniors include adding ramps in place of stairs, refitting bathrooms using nonslip finishes for floors, widening doorways and changing lighting. An 80-year-old person needs about five times as much light to read as a 20-year-old.

The cost of such retrofits can be high, but building such features into homes in the first place is much less expensive, increasing the overall cost by only about 1 percent.

Well, I think his answer is much better than one I could have provided and gives us a few things to think about. Whether we are redoing a home we are currently living in or planning on a move and looking for a new house, we should consider what we are capable of doing. Let's hope we can all age in place in a home that is comfortable and familiar to us.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362. Call 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Changes in Medicare plans

Wed, 02 Mar 2011 22:34:57 GMT

By Betty Berry, Tuesday, March 1, 2011 Q: Each year when changes occur in Medicare deductibles and coinsurance you recap them in your column. I find that very useful but didn't see it this year. Did I miss it?

A: No you didn't miss it. For a variety of reasons that column was never written — but here it is now. Hope it helps. The following changes became effective Jan. 1.

In 2011 the monthly premium for Medicare Part B (medical coverage) is again based on your adjusted gross income. This will be determined via your 2009 income tax return.

The basic monthly premium that is deducted from your Social Security check for those single individuals earning $85,000 or less and for married couples earning $170,000 or less will remain at the same amount they paid last year. For those enrolling in Medicare this year the basic monthly premium will be $115.40.

For individuals with incomes from $85,001 to $107,000 and married couples with incomes between $170,001 and $214,000 the monthly premium for each will be $161.50 (up from $154.70 in 2010.)

For individuals with incomes between $107,001 and $160,000 and married couples with between $214,001 and $320,000 the monthly premium will be $230.70 each (up from $221 in 2010).

For individuals with incomes between $160,001 and $214,000 and couples with incomes between $320,001 and $428,000 the monthly premium will be $299.90 each (up from $287.30 in 2010).

For individuals with incomes greater than $214,000 or couples with incomes greater than $428,000 the monthly premium for each will be $369.10 (up from $353.60 in 2010).

The Part B annual deductible you must pay out-of-pocket before Medicare will cover claims is $162 (up from $155 in 2010).

Medicare Part A (hospital coverage) deductible and coinsurance also increased. In 2011 the hospital inpatient deductible per benefit period will be $1,132 (up from $1,100 in 2010).

Medicare Part A has no coinsurance for the first 60 days of a hospital stay. However, for day 61 through day 90 coinsurance will be $283 (up from $275 in 2010) and for days 91 through 150 the coinsurance will be $566 (up from $550 in 2010).

If you are transferred to a skilled nursing facility and meet Medicare's strict eligibility requirement there will be no coinsurance for the first 20 days. For days 21 through 100 the coinsurance will be $141.50 (up from $137.50 in 2010).

For those who have assigned their Medicare to a Senior Advantage HMO or PPO there may be additional premiums. Anthem Blue Cross offers two PPOs. Neither have a premium. The Freedom Blue Plan 1 has a $300 deductible and covers Part D Prescription coverage. The Anthem Blue Cross Classic Plan has a $250 deductible but does not offer Part D Prescription coverage.

There are three HMOs offered in Ventura County. Kaiser has no premium and SCAN has a $29 premium. Secure Horizons (offered only in the Western portion of the county) has a premium of $65. All three HMOs offer Part D coverage.

I think that basically covers the Medicare changes for 2011. Sorry that I am so late in getting the information to you.

Happenings

Tuesday: Seminar 7-8:30 p.m. "Veterans Benefits", Senior Concerns Day Care Center, 401 Hodencamp Road, Thousand Oaks. For reservations, call 497-0187.

March 9: Seminar 1:30-3 p.m. "Will You Pass Your Next Driving Test?", Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village. For information, call 495-6250. No reservations required.

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Seminar will focus on veterans benefits

Thu, 24 Feb 2011 00:49:18 GMT

By Betty Berry, Tuesday, Feb. 22, 2011 Q: I have a number of questions about veterans benefits. Do you know if there are any seminars addressing this subject?

A: Yes I do. The next seminar in Senior Concerns' series "Solving the Aging Puzzle" will address Veterans Benefits.

The seminar is scheduled for 7-8:30 p.m. March 8 at Senior Concerns Day Care Center, 401 Hodencamp Road in Thousand Oaks.

The seminar will be facilitated by two Veteran Claims Officers from the county of Ventura Veterans Service Office.

The facilitators will address eligibility requirements for veterans benefits, family survivor benefits, the Aid and Attendance Program and how VA benefits work with other insurance benefits. They will also answer your questions.

This should be a very informative program providing attendees with a better understanding of these important benefits for our veterans.

Reservations are suggested and can be made by calling Senior Concerns at 497-0189. If you forget to make a reservation walk-ins are always welcome if seats are available.

If you need respite care for a special needs senior so that you can attend the seminar you can make arrangements for that care at the center when making your reservation. Reservations for respite care are required.

There are no fees for these informative discussions, however, donations are always welcome.

Q: A neighbor told me she recently attended a program provided by the Thousand Oaks Council on Aging and was very impressed. Can you provide any information about future programs?

A: I am so glad your neighbor shared her experience and I will tell you about the next program scheduled.

The Thousand Oaks Council on Aging holds their monthly meeting on the first Wednesday of the month (except July and August) at 1 p.m. in the Board Room at the Thousand Oaks Civic Arts Plaza, 2100 E. Thousand Oaks Blvd. in Thousand Oaks.

These meetings begin promptly at 1 p.m. as they are televised as well as having a live audience.

The next program will be a panel discussion on "Caring for the Caregiver." It is scheduled for 1-2:30 p.m. March 2.

The program will be moderated by Sue Tatangelo from the Camarillo Health Care District. Eileen Gold will address Communication and Challenging Behavior; Lisa Hayden will discuss Caregiver Burnout; Renee Higgins will talk about Intimacy and Caregiving and Sharon Tatelman will provide information on Community Resources.

This should be a most informative presentation. For more information call 449-2743.

Q: My elderly aunt lives out of state and is not in the best of health. I would like to assist her in getting the services she needs but don't know what is available in her community. Do you know of any way to get this type of information?

A: Many families who have faced the situation you describe have found the help they needed through the Eldercare Locator. It is a nationwide directory assistance service designed to help seniors and their caregivers locate needed local support resources. The service links the caller with the information and referral networks of state and local Area Agencies on Aging.

When you call the Eldercare Locator, you will talk to a trained professional who has access to an extensive list of information and referral services that lend support to seniors. The locator will be able to provide organization names and telephone numbers so you may contact them directly.

The Eldercare Locator is available 6 a.m. to 5 p.m. (Pacific time) Monday through Friday. The toll-free number is 800-677-1116.

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Senior Advocate: Complexity surrounds Social Security disability

Thu, 24 Feb 2011 00:32:43 GMT

By Betty Berry, Tuesday, Feb. 15, 2011 Q: My husband was considered disabled by his employer, yet when he applied for Social Security disability he was turned down. Can you provide an explanation?

A: It is not unusual for a person to be turned down when first applying for Social Security disability. Perhaps Social Security just needs some additional information. I always suggest appealing the decision. You have 60 days from the time you receive the letter.

Not all disability programs are alike and eligibility for various programs depends on that program's definition of "disability." Some programs will pay for partial disability or short-term disability. Social Security does not.

Social Security has a very strict definition for disability. Under Social Security, disability is based on the inability to work. An applicant will be considered disabled if he or she cannot perform the work they did before the illness or accident that caused the disability and if Social Security determines that they cannot adjust to other types of work because of their medical condition.

In addition the disability must be expected to last for at least a year or result in death.

A second part of eligibility for Social Security disability benefits depends on the applicant's work record. To qualify for benefits the applicant must have worked long enough and recently enough under Social Security.

The number of work credits needed depends on the applicant's age at the time the disability occurred. Generally, the applicant must have worked five years (20 credits) out of the past 10 years ending with the year in which the disability occurred. Younger workers may qualify with fewer credits.

Applicants should apply for disability benefits as soon as they become disabled to get the application process started as the process is complex and lengthy taking from three to five months to complete.

Benefit payments usually start in the sixth month of disability. Payment amount is based on the applicant's average lifetime earnings under Social Security.

Other types of payments may affect these benefits. Workmen's Compensation, other disability payments and other government benefits, as well as any earned income received, could reduce the amount of the disability benefit.

Always keep Social Security informed about changes that occur to avoid overpayments.

Generally disability benefits continue as long as the medical condition prevents the person from returning to work. If the medical condition improves and the beneficiary is no longer considered disabled, the benefits will stop.

Disability cases are reviewed at regular intervals to make sure beneficiaries are still disabled. While on disability you have the responsibility for reporting any changes in your medical condition.

After receiving disability for 24 months you are automatically enrolled in Medicare. Medicare has two parts — Medicare Part A hospital coverage, which comes with no cost to you, and Part B — medical coverage which has a monthly premium that will be deducted from your disability check.

Those whose disability is permanent kidney failure requiring dialysis or transplant or amyotrophic lateral sclerosis (known as Lou Gehrig's disease) may qualify for Medicare almost immediately.

If you remain disabled until you reach your full retirement age, your disability benefits will automatically convert to retirement benefits. The payment amount will remain the same.

While you are on Social Security disability, certain family members may also qualify for benefits based on your work record.

Those family members include your spouse, if age 62 or older; your spouse, of any age, if caring for your child who is younger than 16 or disabled; your unmarried child if under 18 or under 19 and in elementary or secondary school full time; and your unmarried child, 18 or older, if he or she has a disability that started before age 22.

Social Security disability is a very complex program. I hope this bird's-eye view helps a little. If you have questions you should contact the Social Security Administration.

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Senior Advocate: Steps to avoid health problems while taking medication

Thu, 24 Feb 2011 00:27:14 GMT

By Betty Berry, Tuesday, Feb. 8, 2011 Q: I have read that many health problems and trips to the hospital are the result of incorrect handling or taking of medications. Could you address the importance of understanding the why, how and when of handling one's medications?

A: This might be the perfect time to address this subject as most seniors have just completed their annual review of their medications to determine if they needed to change insurance carriers for Medicare Part D Prescription coverage for 2011.

Now would be a good time to review those prescriptions with their physicians to make sure they understand why they have been prescribed and to review any special rules that are associated with them.

I checked with a friend who is a pharmacist to see if there were any particular areas that could cause potential problems and I was surprised at what I learned.

It starts with making sure your doctors know what other herbs, vitamins, supplements or over-the-counter (OTC) medications you are taking. The combination of any of these items with certain prescription drugs may cause some unpleasant surprises.

When being given a new prescription make sure your doctor is aware of all other items you are taking. In reverse — if you are already taking a prescribed medication and want to start taking a new herb, vitamin, supplement or OTC medication check with your doctor before doing so.

If a new drug is prescribed make sure you learn everything you can about it. Ask for literature about the drug so you can read about it and have something to refer back to. You want to know what the drug is meant to do, when you should take it, how you should take it, with or without food, how long you will have to take it and what side effects you could expect. Also ask what you should do if you forget to take a dose.

One slip-up that is fairly common is the failure to check the prescription before leaving the pharmacy or receiving it in the mail. You need to make sure you have received the correct medicine, the right dosage and the correct number of pills. If this is a new prescription make sure you review the literature received with it. Become aware of the size, shape and color of the pill and any markings that appear on it.

Whenever possible have all your prescriptions filled through the same pharmacy. By sticking to one pharmacy the pharmacist has the ability to know all the drugs that you are taking. This allows him or her to be on the lookout for potential interactions.

Now that you have gotten your prescriptions home there are a few things you can do to prevent mismanagement on your part.

First consider where to store your medications. Many keep their meds in the bathroom medicine chest. This is probably a bad choice since bathrooms tend to have moisture and moisture can cause deterioration to medications which could result in drugs becoming less effective or perhaps even toxic. It is far better to keep them in a moisture free environment and in a place that children cannot gain access.

If you have a prescription that you only take on occasion make sure you check the expiration date before using. If it is out-of-date it may be ineffective or even toxic. Checking the date on OTC meds is just as important as it is for prescribed medications.

Last but certainly not least the lending or borrowing of a prescribed medication is always a no-no. Medications are prescribed on an individual basis and no two people are alike. Never take the chance of taking a drug that is not prescribed for you.

These are just a few of the more common slip-ups that can occur. To play it safe always ask before acting and become an educated consumer.

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Senior Advocate: Keep separate files for your personal, financial records

Wed, 02 Feb 2011 19:00:02 GMT

By Betty Berry, Tuesday, Feb. 1, 2011 Q: My parents are very private about their finances and personal records. Until now this has not been a problem. But they are beginning to need my assistance, and I don't have the information I need to help them get the care and services they require. Do you have any suggestions about what would be useful for me to ask them to provide?

A: Your situation is not uncommon. We are all guilty to some degree about lack of getting our financial and personal records in order and at least letting a family member or close friend know where the records are kept should an emergency arise.

While each person's situation is unique and requires different action, specific information and basic documents should be available. The following suggestions may help to organize personal and financial records not only for your parents but perhaps for you too.

To start, a personal records file should include the individual's full legal name as well as any other names previously used, legal residence, date and place of birth and Social Security number. Without these four pieces of information obtaining services can be very difficult. The file should also include the name or names of spouses and children and whether they are living or deceased. Information on where to find a will or trust, certificates of birth, marriage, divorce and death and citizenship papers should be provided.

A record of employment (employers and dates of employment), education (schools, degrees and dates obtained), and military service (enlistment and discharge dates, branch of service and rank) would be most useful in determining what benefits might be available.

Requests, preferences or prearrangements for burial along with religious affiliation as well as names and addresses of close friends, relatives, doctors, accountant, lawyer or financial adviser can make the caregiver's task much easier.

A second file, a financial records file, is the place to list information about insurance policies, bank accounts, deeds, investments and other valuables.

This file should show all sources and amounts of income (pension, Social Security, interest, etc.) and types of assets (stocks, bonds, property, bank accounts, etc.). Details of insurance coverage are also needed. Names of insurers and policy numbers for health care, life and property coverage and contact telephone numbers for those policies will provide the caregiver with the ability to handle almost any crisis.

If there are outstanding liabilities, a list of what is owned and to whom and dates payments are due should be included. This would cover such debts as mortgages, credit cards, charge accounts and property and income taxes.

The financial record file should provide the location of a safe-deposit box, if applicable, and the name or names of those who have access. A copy of the most recent income tax return would be a useful resource.

Additional issues that should be considered are the execution of two documents: an advance directive for health care and a general durable power of attorney. These documents will allow the person named in the document to act on behalf of the person who can no longer act on their own.

Before completing any legal documents, however, never hesitate to consult with an attorney for advice to make sure the action you plan does what you are expecting it to do.

Happenings

Feb. 8: Seminar, 7-8:30 p.m., "Government Resources," Senior Concerns Day Center, 401 Hodencamp Road, Thousand Oaks. For information and reservations, call 497-0189.

Feb. 9: Seminar, 1:30-3 p.m., "Looking Ahead in 2011," Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village. For information, call 495-6250.

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Senior Advocate: Seminar to offer Social Security, Medicare updates

Wed, 26 Jan 2011 22:56:37 GMT

By Betty Berry, Tuesday, January 25, 2011 Q: My neighbor has told me about an interesting series of seminars offered by Senior Concerns each month. Can you provide details on the coming February presentation?

A: I am glad that your neighbor enjoys the seminars and that she made you aware of the “Solving the Aging Puzzle Series.”

The theme of the 2010-11 series is “Help — Who Are You Going to Call,” and the subject of February’s presentation is Government Resources. It is scheduled for 7-8:30 p.m. Feb. 8 at Senior Concerns Day Care Center, 401 Hodencamp Road, Thousand Oaks.

Two panelists who know the ABC’s of these two vital resources will present information on Social Security and Medicare — the two most important government programs that seniors must understand.

Essie Landry from the Social Security Administration will address several Social Security programs that will be of interest to new enrollees to the system as well as those who have been enrolled for a number of years. Landry will explain how and when to enroll for benefits. She will also talk about survivor benefits — who is eligible and when — and Social Security disability benefits.

Katherine Raley from the Ventura County Area Agency on Aging will provide a general overview of the programs under the agency’s umbrella.

Raley, who is the Health Insurance Counseling and Advocacy Program (HICAP) manager, will discuss time frames for eligibility and enrollment.

This should be a very informative program, providing attendees a better understanding of these two most important programs that are part of every senior’s life.

Reservations are suggested and can be made by calling Senior Concerns at 497-0189. If you forget to make a reservation, walk-ins are always welcome.

There are no fees for these informative discussions; however, donations are always welcome.

Q: I was enrolled in the Senior Advantage Plan Aetna in 2010. They informed me they will not be available in 2011. I haven’t taken any action. Do I need to do something?

A: You have until Jan. 31 to make a decision about the type of coverage you want for 2011.

If you do nothing, you will automatically be placed in original Medicare with no prescription drug coverage.

If you want prescription drug coverage you must enroll in a stand alone prescription drug plan that will work with original Medicare or enroll in a Medicare Advantage Plan that includes prescription drug coverage.

For assistance call 1-800-434-0222. You must take action by Jan. 31 or you will be without prescription drug coverage for the year 2011.

Happenings

Jan. 31: Seminar p.m.; “Will You Pass Your Next Driving Test?” Moorpark Active Adult Center, 799 Moorpark Ave., Moorpark. Will be facilitated by the Senior Advocate. For information and reservations, call 517-6261.

Feb. 5: Seminar 9-11:30 a.m. “Aging or Alzheimer’s,” Westlake Village City Hall’s Community Room, 31200 E. Oak Crest Drive, Westlake Village. Will be facilitated by Dr. Lisa Hayden. For information and reservations, call 497-0189.

Feb. 9: Seminar 1:30-3 p.m. Looking Ahead in 2011 — “What Federal and State Programs May Change.” Westlake Village City Hall, 31200 E. Oak Crest Drive, Westlake Village. Will be facilitated by the Senior Advocate. For information, call the advocate’s office at 495-6250.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number.) You are invited to submit questions on senior issues.

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Senior Advocate: Learn whether it's aging or Alzheimer's at seminar

Wed, 19 Jan 2011 18:15:05 GMT

By Betty Berry, Tuesday, January 18, 2011 Q: I am very concerned about the possibility of memory loss and am seeing more and more written about the need to exercise the brain to help maintain memory. How can I learn more about this subject?

A: Memory loss is of concern to many seniors, and studies show the number of victims is increasing. According to the National Institutes of Health, one in seven Americans 71 or older is living with some level of dementia.

Many seniors worry about whether their “senior moments” are normal aging or Alzheimer’s.

Senior Concerns is offering a half-day seminar, Aging or Alzheimer’s, 9-11:30 a.m. Feb. 5 in the Community Room at Westlake Village City Hall, 31200 E. Oak Crest Drive.

Clinical research psychologist Lisa Hayden will lead the presentation, discussing the differences between normal aging and Alzheimer’s disease. Attendees also will learn how exercising the brain can keep it vital and strong, and how physical exercise and good nutrition can have positive effects.

A demonstration of Senior Concerns Dakim System — a brain health software program — will be part of the day’s activities.

Reservations for the presentation can be made by calling 497-0189. This should be a very interesting and well-spent morning.

Q: A while back my neighbor attended a seminar providing information on how to study for the DMV written test. For the first time in many years I will be required to take the written test to renew my driver’s license. Do you know if that seminar is still being offered?

A: Many seniors are surprised to receive a notice that a test is required. The request to appear in person to renew your driver’s license might have been triggered by a number of situations. For example, according to the DMV, drivers cannot renew their license by mail and are required to take written and vision tests if their current license expires after they turn 70.

The seminar you are referring to, Will You Pass Your Next Driving Test?, is offered six times a year at different locations in east Ventura County.

The presentation offers suggestions on how to study for the written test and gives hints on what to do if a road test is in your future.

A handout is provided to assist with studying.

The seminar will be offered from p.m. Jan. 31 by the Seniors Concerns Advocate at the Moorpark Active Adult Center, 799 Moorpark Ave. For more information or to make reservations, call 517-6261.

The proposed sites for the remaining 2011 sessions are the Westlake Village Civic Center in March, Simi Valley Senior Center in May, Goebel Senior Center in Thousand Oaks in July, then back to the Moorpark Active Adult Center in September and Westlake Village Civic Center in November.

Details on future dates can be obtained by calling the Senior Advocate’s office at 495-6250.

* * *

Happenings

Feb. 2: Senior Congress VII will present “Aging in Place — Transitions and Choices,” 9:30 a.m. to 2:30 p.m. at St. Maximilian Kolbe Catholic Church, 5801 Kanan Road, Westlake Village. For reservations, e-mail info@clvff.org or call 818-880-1054.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; call 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Many things might indicate a hearing loss

Tue, 18 Jan 2011 21:29:42 GMT

By Betty Berry, Tuesday, Jan. 4, 2011 Q: My daughter is nagging me about my hearing. She says I am missing out on a lot in life by not getting a hearing aid. I think my hearing is just fine. How can I prove to her that there is no problem?

A: Sorry to take sides in a family disagreement, but your daughter could be right.

As we age, we all encounter changes in both our hearing and vision, and it always amazes me that almost everyone will have their eyes tested while very few will go for a hearing test.

To answer your question I spoke with an audiologist, who provided me with some indicators of possible hearing loss. If you find yourself frequently asking people to repeat themselves or turning your ear toward a sound or speaker to hear better you may be experiencing some hearing loss.

Do you find yourself understanding speakers better when you wear your glasses and/or face speakers directly? This could be your unconscious way of compensating for your inability to hear by doing some lip reading. To some degree we all do some lip reading when communicating. Have you had difficulty understanding conversations in a group setting such as a restaurant where several conversations occur simultaneously? Does background noise present a problem?

When listening to radio or television how high is the volume? Does your daughter comment on how loud it is?

If you answer yes to any of these questions, you might consider making an appointment with a hearing specialist. Don’t allow yourself to miss out on socialization and enjoyment if there is a way to prevent being left out.

Q: I have heard much said about probate and avoiding it if possible. I am not exactly sure what happens during probate. Can you enlighten me?

A: I’ll try. Probate is a court proceeding which starts with determining the validity of a will presented to the court and ends with the distribution of assets to the named beneficiaries of the estate.

During probate, proof is offered to the court showing that the document presented is the authentic will of the deceased and that it is properly signed and witnessed as required by the laws of the state in which it was created.

Probate proceedings require that the executor of the will inventory the deceased’s assets and have them appraised. He or she must notify relatives and creditors of the proceedings and publish notice of probate in appropriate newspapers. Time then must be allowed for creditors to make claims, if any, against the estate.

After all claims have been settled, the executor is then free to distribute the remaining assets to beneficiaries named in the will and probate is then closed.

Probate can be time-consuming depending on the complexity of the estate. It can also be expensive. Costs vary widely from state to state and again depend on the complexity and size of the estate. Attorney’s fees and court costs can eat into the value of the estate.

Length of time and cost are generally the reasons most people are interested in avoiding probate. Careful estate planning will allow you to determine the best alternative methods available for leaving your estate to your heirs.

Professionals who can assist you in these decisions include attorneys, estate planners and tax experts. It is worth the time and cost to obtain the services of these professionals in doing your estate planning.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Eat Well — Live Well to be January seminar topic

Wed, 29 Dec 2010 23:38:13 GMT

By Betty Berry, Tuesday, December 28, 2010 Q: In November, Senior Concerns gave a seminar in the Solving the Aging Puzzle series. The series went dark in December but it was stated the series would resume in January.

I am looking for information about the January subject. Do you have any information yet?

A: You are 100 percent correct and yes I do have the details about the January presentation.

The subject Eat Well — Live Well will be presented from 7-8:30 p.m. Jan. 11 at Senior Concerns Day Center, 401 Hodencamp Road, Thousand Oaks.

Patti Jaeger, registered dietitian with Ventura County Area Agency on Aging, will facilitate the presentation and will cover a number of aspects of nutrition.

She will provide information on what nutrients seniors should focus on when planning menus and meals.

She will also address serving sizes. This seems to be an area that gets all of us in trouble.

Since many seniors do live alone, Jaeger will talk about eating alone and offer some handy tips to make that event more satisfactory.

The evening also will include information about the Shop Ahoy program, which is a resource that will do your marketing for you.

This program has been in Ventura County for a number of years and has been found most useful by many seniors when they were unable to shop for themselves.

It is a unique program that we are very lucky to have in our area.

There will also be information about our Meals-on-Wheels program and the Brown Bag program.

This should be a very interesting program.

Reservations are suggested and can be made by calling Senior Concerns at 497-0189. If you forget to make a reservation, walk-ins are always welcome.

If you need respite care for a special-needs senior so you can attend the seminar, make arrangements for that care at the center when making your reservation.

Reservations for respite care are required.

There are no fees for these informative discussions; however, donations are always welcome.

Q: I am a caregiver for an aunt who is living alone.

While she is still managing, but with some difficulty, I am beginning to think that the time is not far off when this will no longer be possible. I would like to start gathering information on my options. Any suggestions?

A: I think I can help. The Thousand Oaks Council on Aging will present this subject at its next TOTV program, which is scheduled for Jan. 5 at the Civic Arts Plaza in Thousand Oaks.

A panel of speakers will address different aspects of what to consider when living alone is no longer an option.

Speakers for the 90-minute program will include Viki Kind, author and bio-ethicist; Carol Knowles, long-term care insurance specialist; Kathy Terry, long-term care ombudsman; and Robert Triplett, a lawyer and estate planning specialist.

The meeting will start promptly at 1 p.m. with a free “meet the speakers” light lunch reception from noon to 12:45 p.m. Reservations are required for the reception and can be made by calling 449-2743.

This promises to be a very informative presentation on a subject that we all must think about not only for those we are caring for but also for ourselves.

Plan to attend and have your questions answered by the panel.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Don't be so afraid of crime that you become a hermit

Wed, 22 Dec 2010 18:17:08 GMT

By Betty Berry, Tuesday, December 21, 2010 Q: I keep reading about all types of crime and I’m almost afraid to leave my house for fear that I will become a victim. Am I, as a senior, more vulnerable, and what can I do to reduce my chances of becoming a statistic?

A: We do hear about a lot of crime, but that shouldn’t stop us from living our lives. We just must be more aware of what is going on around us and be prepared.

According to the District Attorney’s Office, some categories of crime, such as robbery and purse snatching, are more likely directed toward the elderly. Offenders view elderly women as easier targets than elderly men, but men also are often victims of these personal thefts.

By taking a few simple precautions, you should be able to reduce your risk of becoming a victim.

Always be prepared. Be alert and aware of your surroundings and the people around you at all times, both day and night. Walk with confidence.

Give the appearance of knowing where you are going — even if you don’t. If you look lost or confused you appear to be an easy target. How you present yourself is very important and could be enough to deter a potential crime.

Women’s purses and men’s wallets are always targets. Women should carry their purses close to their bodies, never dangled from an arm. Purses should never be left unattended on a store counter or in a shopping cart.

Men should never carry wallets in their back pockets. Even amateur pickpockets can remove a wallet from that location before you can realize what has happened.

Wallets should always be placed in an inside jacket pocket.

Carry your cash and credit cards in separate locations and never carry more cash than necessary. When making a purchase avoid showing your cash.

There is some truth in the saying, “there is safety in numbers,” so plan to go out with a friend when possible.

Q: I’ve been driving for 62 years, have a good record and a valid driver’s license. The Department of Motor Vehicles just invited me for an interview. What would cause such a request? Is it because I’m going to be 80 years old?

A: Your age, by itself, would not trigger such a request. There are, however, several reasons for an interview, and your age could be one of many factors that are considered.

During the course of an individual’s driving career, the DMV monitors a driver’s abilities and keeps track of accidents and traffic violations. An excessive number of either could result in a request for an interview.

Physicians are mandated to report and explain to the DMV findings that relate to driving skills. When such a report is received, the individual is contacted for an interview and, if necessary, given a driving test.

The DMV may also receive a letter from a friend or family member who is concerned about a driver’s safety. Such a letter also will trigger a contact by the DMV.

The DMV’s responsibility is to license only those who qualify for driving privileges by passing the required tests. Before revoking such privileges, they must have actual evidence that a driver is no longer qualified. This evidence is obtained through interviews and testing.

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Just a reminder there are now only nine days remaining in Medicare’s Annual Open Enrollment Period. If you plan to change your healthcare insurance coverage or your Medicare Part D Prescription plan, this is the time to do it. Annual open enrollment runs through Dec. 31. The coverage you are enrolled in on Dec. 31 will be the coverage that you will have for the year 2011. If you have questions or need assistance, contact the Health Insurance Counseling Advocacy Program. They can be reached at 800-434-0222.

— Betty Berry is a senior concerns advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Senior Concerns Thrift Shop always has bargains

Wed, 22 Dec 2010 18:14:40 GMT

By Betty Berry, Tuesday, December 14, 2010 Q: A year or so ago I attended a festive shopping event at the Senior Concerns Thrift Shop and Boutique in Thousand Oaks. Is a similar event planned for this holiday season?

A: I am glad to hear you enjoyed that special shopping event, but there are no plans to offer it again this year.

Don’t be too disappointed, however, because the shop is still open Mondays through Saturdays and has wonderful merchandise for holiday shoppers. Great bargains are available, and you’ll likely find just the right gift for someone on your holiday list.

The shop is offering two spectacular sales this month. Throughout December, green-tag clothing and Christmas merchandise are 60 percent off, and Saturday, everything in the store will be 60 percent off. Why shop retail when you can find bargains like these?

You can get more for your dollar, support a local charity and help the environment by recycling. That’s three for the price of one — hard to beat.

The shop is in the Under One Roof Building, 80 E. Hillcrest Drive (across from Office Depot). Hours are 9:30 a.m. to 5 p.m. Mondays through Fridays and noon to 4:30 p.m. Saturdays.

Proceeds from the store help support Senior Concerns’ programs that enrich the lives of seniors, their families and caregivers.

Q: Last year the government did not require us to take a distribution from our retirement accounts. Will that be true again this year or is the requirement back in place?

A: Last year, as part of the overall stimulus package, a law was passed that suspended for 2009 the requirement that you take a minimum distribution from your retirement account.

This year, everything returns to normal. You must begin taking distributions at age 70 1/2 or the IRS will impose stiff penalties.

If you will turn 70 1/2 by Dec. 31, you have until April 1 to begin taking your Required Minimum Distribution (RDM) from your retirement account.

This will meet your 2010 distribution requirement. However, once distributions begin you must take them by Dec. 31 each year. That means you will need to take your next RMD by Dec. 31, 2011, regardless of when your 2010 RDM was taken.

RMD rules apply to the traditional IRA, rollover IRA, simple IRA, SEP IRA, 403(b) plan and certain employer-sponsored retirement plans such as 401(k) plans.

Roth IRAs are not subject to distribution requirements until after the IRA owner’s death. If you are not sure, check with the holder of your retirement account to determine what action you need to take and when.

* * *

There are 16 days remaining in the annual open enrollment period for Medicare. If you plan to change your healthcare insurance coverage or Medicare Part D prescription plan, this is the time to do it. Annual open enrollment will run through Dec. 31. The coverage you are enrolled in on Dec. 31 will be the coverage you have for 2011. If you have questions or need assistance, contact the Health Insurance Counseling Advocacy Program at 800-434-0222.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Tips requested before visiting long-term care residents

Tue, 14 Dec 2010 20:02:23 GMT

By Betty Berry, Tuesday, December 7, 2010 Q: I am part of a small group that plans to visit several long-term care facilities during the holiday season. It will be our first attempt at doing this, and we feel a little inadequate about relating to the residents. Are there any do’s or don’ts that would make both the residents and us more comfortable during the visit?

A: First-time visits of this kind usually make most people a little apprehensive. You have discovered an underserved population. More than 5 million people live in long-term care facilities and about 60 percent of them seldom, if ever, have personal visitors.

When you visit you will find many residents in their rooms. Even though the door is open, their room is now their home. Knock and ask permission to enter before walking in. This little courtesy will be most appreciated and provides the resident with a little control over the visit.

Once in the room, introduce yourself and ask for the resident’s name. Don’t use his or her first name without asking because some residents come from backgrounds that were much more formal about names and still prefer to be addressed as Mr. or Mrs.

Many residents will likely be in beds or wheelchairs. Since it is uncomfortable for them to look up for an extended period, conduct your visit at the resident’s eye level.

Place your chair so that you are facing the resident. You should not be between the resident and the window because the glare from the window will cause you to be seen only in silhouette. Never sit on the edge of the bed unless invited or given permission to do so.

Since you don’t personally know the residents, your individual visits should be fairly short. Sometimes just a few words will be sufficient. A comment about a pretty blouse or sweater, or acknowledging a photograph or trinket in the resident’s room, will be enough to start a short conversation.

Always be on the alert for signs of fatigue and be ready to end the visit should that occur. If the resident becomes ill or agitated or needs help getting in or out of a bed or wheelchair, call a nurse or aide. Your help, even though offered with good intentions, could do more harm than good.

If a resident asks you to remove a vest or restraint, do not honor that request. These restraints are worn under doctor’s orders and are for the safety of the patient.

While visiting, be an attentive listener and be patient with repetition.

You might be asked for sweets or cigarettes. Never offer or provide these items without first checking with the nurse on duty. Some might be allowed and others prohibited due to dietary or medical restrictions. Don’t rely on what the resident might tell you about being allowed to have such items.

When leaving, don’t promise to come back if you know you can’t or won’t keep that promise. If you do set a date and time to return, arrive when expected to avoid disappointment. If you must break an appointment, call ahead to make sure the information gets to the resident.

Always treat the residents with the dignity and respect their long years deserve and remember that your visit is a ray of sunshine for them.

With these things in mind I’m sure you will feel more confident and comfortable in your role of visitor.

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Just a reminder that the annual open enrollment period for Medicare is under way. If you want to change your healthcare insurance coverage or Medicare Part D Prescription plan, this is the time to do it. Annual open enrollment will run through Dec. 31. The coverage that you have on Dec. 31 will be the coverage that you will have for 2011. If you have questions, contact the Health Insurance Counseling Advocacy Program at 800-434-0222.

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Senior Advocate: Take precautions against possibility of carjacking

Wed, 01 Dec 2010 01:21:01 GMT

By Betty Berry, Tuesday, Nov. 30, 2010 Q: I am 80 years old and still driving my own car. A friend of mine just experienced being a victim of a carjacking and I am wondering what I can do to reduce my chances of becoming a victim. Do you have any common sense suggestions?

A: Carjacking is a crime all drivers need to think about. Many assume it is only a big-city problem but unfortunately it can and does happen in the suburbs as well.

I’ve talked to several people about your question and have the following suggestions. The first precautions should take place before you ever take to the road. Proper maintenance of your vehicle is a must. Next make sure you have sufficient gas in the tank. These simple tasks will avoid the necessity of stopping in unplanned and possibly unsafe areas. Plan your route in advance even if it is a local trip. If you are venturing into new territory familiarize yourself as much as possible.

Once on the road concentration is important. Don’t let yourself be distracted. If you lose your focus on the road and surroundings you could become an easy target. Be cautious of where you stop.

Whenever possible select well lit and well traveled areas.

Drive defensively. Use the middle lane when possible. Don’t allow yourself to be pinned in. If you must stop, leave enough space between cars to allow yourself to pull away if necessary. Always lock your car doors even when inside and drive with your windows closed.

When returning to a parked automobile always check both front and back seats before entering. Remember the old warning, never pick up a hitchhiker. It is still good advice today.

Q: I have a friend who has recently lost her sight. When I’m visiting I want to help her but I’m not sure what I should or shouldn’t do. Do you have any thoughts?

A: How thoughtful of you to consider your friend’s special needs. Whenever possible treat your friend as you would any sighted person. Most people who have a disability learn to work with their limitations and want to do for themselves whenever possible.

Help your friend use whatever vision she may have. Legal blindness is not necessarily total blindness and use of wide gestures and contrasting colors especially black and white are more easily seen.

Always ask how you may be of help before taking the initiative to act. For example if you are in a restaurant don’t assume you need to read the menu aloud; ask if doing so would be helpful.

When walking from one area to another allow your friend to take your arm, don’t take hers. As you walk alert your friend to changes such as a narrowing of the walkway or that there are steps ahead. Your friend will likely fall a half-step behind allowing you to lead the way.

Relax and enjoy your visits. You will soon learn in what areas assistance is needed and appreciated.

Happenings

Just a reminder that we are now in the annual enrollment period for Medicare. If you want to change your healthcare insurance coverage or change your Medicare Part D Prescription plan this is the time to do it.

Annual enrollment started on Nov. 15 and will run through Dec. 31. The coverage that you have on Dec. 31 will be the coverage that you have for 2011. If you have questions contact the Health Insurance Counseling Advocacy Program. It can be reached at 800-434-0222.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; call 495-6250 or e-mail betty@seniorconcerns.org. (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Protocol for Medicare Part B deductible is explained

Wed, 01 Dec 2010 01:18:59 GMT

By Betty Berry, Tuesday, Nov. 23, 2010 Q: I know that I must pay a Medicare Part B deductible each year, but I never know which doctor I should pay. Can you give me some guidelines so I am prepared for the start of the new year?

A: I would be glad to give it a try. Your Medical Summary Notice, known as an MSN, is the key.

The Medicare Part B deductible, which is currently $155 per year, is applied on a first-come, first-paid basis. This means that at the start of each year Medicare will apply your deductible to the first claim or claims it receives until the full deductible has been met.

The MSN will show you which provider’s services Medicare applied the deductible to; the amount paid to that provider, if any; the amount you are responsible for; and the amount of the deductible that has not yet been met.

Once the deductible has been satisfied, subsequent MSNs will state that your deductible for the current year has been met.

Your provider has the option of billing you for the deductible at the time of your visit. However, because the status of your deductible might not be known at that time, it is strongly suggested that you wait before making any payment.

If you do make a payment and it is more than Medicare applied toward your deductible, you are entitled to a refund.

If you are refused a refund without a satisfactory explanation, contact Medicare’s customer service department. The number is shown on your MSN.

Q: I have heard some horrible accounts of unscrupulous contractors taking advantage of senior homeowners. What can we do to avoid becoming victims?

A: In most day-to-day dealings the majority of contractors do an honest job. But there are rip-off artists who offer cut-rate or impossible-to-refuse deals.

Home improvement projects and repairs are expensive. Thought and time should go into selecting a contractor. The contractor should not seek you out; instead, you should seek out the contractor.

When a contractor goes door-to-door telling you that he’s working in the neighborhood, consider his approach a red flag.

Interview several contractors. Ask for and check references. If possible, inspect a previous job. Make sure the contractor is licensed, bonded and insured. Check with the Better Business Bureau, state Attorney General’s office or licensing bureau to find if any complaints have been filed. More than one recent complaint should put you on notice.

Before deciding on a specific contractor, get estimates from several professionals. A legitimate contractor will provide a free job estimate that is easy to understand and specific about materials and labor.

When you decide on a contractor, request a contract. It should include the services to be performed, cost, guarantees, warranties, and start and end dates.

Ask to see copies of professional licenses, insurance documents and some form of personal identification. Make sure the contractor pulls the proper city permits and secures a performance bond.

Never pay up front. Provide only a small down payment and pay the remainder gradually. Final payment shouldn’t be made until the job is completed to your satisfaction or, if inspection is required, after the inspector has completed a review.

Always request a “release of lien” from the contractor when the project is completed.

Don’t hesitate to ask questions. An honest contractor will be willing to provide information. If the contractor you selected won’t provide answers, look for one who will.

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Senior Advocate: Elder abuse, a growing problem, can take many forms

Wed, 17 Nov 2010 21:26:39 GMT

By Betty Berry, Tuesday, Nov. 16, 2010 Q: I am hearing more and more about elder abuse. What is considered elder abuse and if I suspect it who can help?

A: Elder abuse is a growing concern for the many agencies and individuals serving the senior population. Abuse can be inflicted in numerous ways. It can be actual physical, emotional or financial abuse or it can be a result of neglect or abandonment. It can also be self-neglect.

Physical abuse is any pain or injury inflicted by a person in charge of care or in a position of trust. It is probably the easiest type of abuse to recognize.

Emotional abuse is willful infliction of mental suffering. Examples are verbal assaults, threats, harassment and even isolation. It is more difficult to detect and usually exists for quite some time before discovery.

Financial abuse is defined as any theft or misuse of an elder’s assets by a person in a position of trust. Its detection is sometimes made difficult by the way an elder has elected to hold title to their assets.

Neglect can result from failure of a caregiver to provide reasonable personal hygiene care, medical care or protection from health and safety hazards. Abuse also occurs from self-neglect when elders fail to provide for themselves through inattention or inability to manage.

Abandonment is considered the desertion of an elder by someone who is responsible for the care and custody of a senior when the person cannot manage for himself or herself.

Suspicion of any type of elder abuse should be reported. Adult Protective Services can be reached at 654-3200. If the elder is in a long-term care facility, contact the Long Term Care Ombudsman at 656-1986.

Q: I retired before age 65 and have healthcare benefits from my employer. Will this be considered a Medicare supplement when I enroll in Medicare?

A: Since you are not yet age 65 your employer-provided healthcare benefit is your primary coverage. When you turn 65 and go on Medicare those benefits become your secondary coverage and may change. They may or may not provide the same benefits as a Medicare Medigap plan.

Employer retirement plans are not the same as the state-regulated Medicare supplemental plans known as Medigap policies. They do not necessarily provide the same services since coverage depends on the contract between the employer and the insurer. They are known as carved-out policies and could provide less coverage, equal coverage or better coverage then the Medigap policies.

Coverage will also vary depending upon whether the employer’s plan is a fee-for-service, managed care HMO or a PPO preferred provider network plan.

To determine the adequacy of the coverage, ask the following questions of your employer: What will the plan pay after Medicare has paid? Does the plan pay for services Medicare does not cover? Will the plan cover you if you move out of the area? Is the plan guaranteed renewable? Are there annual or lifetime limits on benefits? Do you have a choice of plans? What is the ongoing cost to you?

If your spouse is under 65 and covered by your retirement plan you will need to determine if that coverage continues after you reach 65 and your coverage becomes secondary.

Read your benefits booklet or healthcare policy very carefully because these type of plans are changing rapidly. For all unresolved questions call your employer’s human resources department.

After you have determined how your employer plan works I suggest strongly that you contact HICAP (Health Insurance Counseling Advocacy Program) at 477-4710 to make an appointment with a HICAP counselor before making any final decisions. The hour you spend with them will make all the difference in the way you understand senior healthcare coverage.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; or call 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Finding the right care facility takes time, effort

Tue, 16 Nov 2010 17:28:06 GMT

By Betty Berry, Tuesday, Nov. 9, 2010 Q: I need to place a family member in a care facility. Do you have any suggestions on how to start my search?

A: Finding the appropriate facility takes time and effort. But spending this time early in the process makes the transition much easier for the entire family.

First, determine how many facilities are in your area. A list of sites in Ventura County is available from the Long Term Care Ombudsman, 656-1986.

You can also learn about potential facilities through hospital discharge planners, social workers, physicians who serve the elderly, and volunteer organizations that work with the elderly or chronically ill.

The Senior Advocate’s office is also a good resource.

Next, narrow the list by eliminating facilities that do not meet your requirements. If you will be depending on Medicare or Medi-Cal for financial assistance, make certain the facility accepts that type of payment.

If you expect an HMO to cover the costs, check to see if the facility has a contract with your HMO.

Does your family have religious or cultural preferences? If yes, check with the facility to determine if it provides the type of environment required.

Does the family member have special medical conditions or dementia? If so, make sure the facility is capable of handling these needs.

Location is important. If you have a choice, select a facility that can be easily visited. Frequent visits are the best way to make sure your loved one does well and makes the transition to a new environment.

After you have narrowed your list, you are ready to start visiting the facilities. Always call and schedule a visit to ensure that a staff person who can answer questions will be available. Good luck in your search.

Q: I have been talking with friends about the cost of nursing home care. Opinions differ on how these costs can be covered. Will you shed some light?

A: Nursing home care is expensive, and for most people finding ways to finance it is a major concern.

About half of all nursing home residents begin by paying nursing home costs out of their personal resources. Those who have long stays eventually become eligible for Medi-Cal assistance.

Medi-Cal is a state and federal program that will pay most nursing home costs for patients with very limited income and assets. The facility must be certified by Medi-Cal.

Many incorrectly believe that Medicare and supplemental insurance will cover the costs of nursing home care.

Under certain limited conditions Medicare will pay some costs for beneficiaries who need skilled care and/or physical or speech therapy. To be covered, you must meet strict qualifications, and even then the coverage is for a very limited time. Medicare never covers custodial care in a nursing home.

Long-term care insurance is private insurance that can be purchased to cover care in a nursing facility. Plans and premiums vary widely and generally only relatively healthy people qualify for policies.

In addition, some managed-care plans or employer benefit packages cover or partially cover these costs.

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Senior Advocate: Inventory of wallet will be a big help if it's lost

Wed, 03 Nov 2010 16:49:04 GMT

By Betty Berry, Tuesday, Nov. 2, 2010 Q: During our vacation my husband lost his wallet, and I’m trying to replace the contents. This is a difficult job because he has some memory loss and doesn’t remember everything that he carried. Please tell others to inventory what they carry with them.

A: This is a difficult job whether one has memory loss or not. I’m sure most of us could not accurately list the contents of our wallets.

An inventory can serve two purposes: It will provide an accurate record of your wallet’s contents and give you an opportunity to “weed out” what you carry.

Experts advise that a thinner wallet is safer as potential thieves would have less information and therefore less opportunity to defraud.

To do your inventory set aside a block of time and with pen and paper sit at a desk or table and empty your wallet. Review each item to determine if it is something you need to carry with you or should be put away for safekeeping.

Your Social Security card, for example, should not be carried with you. The Social Security Administration recommends it be placed in safekeeping and carried only when you need to present it.

List all items to be carried in your wallet on the inventory sheet. Your inventory information should include the identity of the item (XYZ credit card/California driver’s license), the account or registration number, name of person it is registered to, expiration date if applicable and number to contact to report its loss. Date the list and file it with your important papers.

Always update your inventory list when you change any of the contents of your wallet.

If you should ever lose your wallet or have it stolen, you will find that the short amount of time it took to do the inventory was well worth it.

A: Since relocation is very common nowadays, your question might be on the minds of many others.

You do not need to execute a new will because of your move from one state to another.

A written will made outside California is valid in California if it complied with the laws of the state in which it was executed.

You should review your will periodically to ensure it reflects your current wishes. Addition or deletion of assets as well as family changes such as marriage, death, divorce or adoption should serve as reminders to review your legal papers and if necessary update them to reflect your current wishes.

Your executor must present your will for probate in the jurisdiction (county and state) in which you were a resident at the time of your death. If your estate includes real property located in other jurisdictions, additional probate will be required in those jurisdictions for the purpose of proving title and for protection of local creditors at those locations.

Happenings

Friday 1:30-3 p.m. Will You Pass Your Next Driving Test? Seminar: Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For reservations, call 381-2744.

Tuesday 7-8:30 p.m. Seminar: Home Modification and Handy Dandy Gadgets; Senior Concerns Day Center, 401 Hodencamp Road, Thousand Oaks. For reservations, call 497-0189.

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Senior Advocate: Several seminars to cover changes in Medicare for next year

Wed, 03 Nov 2010 16:45:16 GMT

By Betty Berry, Tuesday, Oct. 26, 2010 Q: If I remember correctly, this time of year there are usually numerous seminars addressing changes to Medicare for the coming year. Do you know if there are any scheduled?

A: You have a good memory. Yes, I do know and will be glad to share those dates with you.

On Nov. 3, the Thousand Oaks Council on Aging at its regularly scheduled meeting will present Medicare Changes for 2011. The Senior Concerns advocate will discuss changes to Medicare fee-for-service coverage and Senior Advantage plans.

The meeting, p.m., is open to the public and will be in the Board Room at the Civic Arts Plaza, 2100 E. Thousand Oaks Blvd., Thousand Oaks.

Attendees will have the opportunity to ask questions. This is a golden opportunity for seniors who are already enrolled in Medicare and for soon-to-be seniors to learn the ins and outs of seniors’ healthcare coverage.

It would be nice to see a large turnout at this meeting. For information, call 449-2743. Hope to see you there.

Four other meetings are scheduled in the east county during the first two weeks of November:

1:30-3 p.m. Nov. 4 at the Simi Valley Senior Center, 3900 Avenida Simi, Simi Valley. Call 583-6363 for information and reservations.

p.m. Nov. 8 at the Moorpark Active Senior Center, 799 Moorpark Ave., Moorpark. For information and reservations, call 517-6261.

1:30-3 p.m. Nov. 10 at the Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village. For information, call the advocates’ office at 495-6250.

1:30-3:30 p.m. Nov. 12 at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For information and reservations, call 381-2744.

Every senior and soon-to-be senior should plan to attend at least one of these presentations to make sure they know what changes will occur in 2011. Each seminar will be facilitated by the Senior Concerns advocate.

Q: My dad is coming to live with me, and I am sure there are things I can do to make my home safer for him. Do you know where I can go to find this information?

A: You might want to circle Nov. 9 on your calendar.

The second presentation in Senior Concerns “Solving the Aging Puzzle” series will address the exact question you are asking.

Titled Home Mods and Handy Dandy Gadgets, the presentation will look at simple things you can do to make your home safer not only for your dad but also for the entire family.

Holly Spiegal from Moving Seniors Forward will discuss projects you can do yourself to provide a safer environment. A safe, uncluttered environment makes access to all areas of your home easier, and can create space that prevents a fall. We all know how damaging a fall can be.

The presentation will be 7-8:30 p.m. at the Senior Concerns Day Care Center, 401 Hodencamp Road, Thousand Oaks. Reservations are suggested and can be made by calling Senior Concerns at 497-0189. If you forget to make reservations, walk-ins are always welcome.

If you need respite care for a special needs senior so that you can attend the seminar, you can make arrangements for that care at the center when you make your reservation. Reservations for respite care are required.

Happenings

Will You Pass Your Next Driving Test? seminar: 1:30-3:30 p.m. Nov. 5, Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For reservations, call 381-2744.

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Senior Advocate: Safety tips apply at vacation hotels and at home

Tue, 26 Oct 2010 16:47:03 GMT

By Betty Berry, Tuesday, Oct. 19, 2010 Q: I am taking my first vacation since being widowed and will be staying alone at several locations. Do you have any hotel safety tips?

A: Crime never takes a holiday, so always be aware of safety at home or away.

Ask for a room near the elevator rather than down an isolated hallway. Don’t accept a room with only a single lock or without a peephole. While in your room, always use the deadbolt or chain lock.

Never open your door without knowing who is on the other side. If it is someone claiming to work at the hotel, call to verify that an employee has been sent to your room. If it is an unexpected delivery, ask that it be left at the front desk.

Protect your valuables. Use the hotel safe; don’t leave valuables unattended in your room or carry them with you.

Never reveal that your room is unoccupied. In public areas, don’t display your room key or give out your room number. Also, don’t show large amounts of cash or an overstuffed wallet. Keep small bills in your pocket to pay for incidentals.

Get to know your surroundings. Ask if there are any areas you should avoid. When returning to your hotel, especially at night, always use the main entrance.

You also need to protect yourself in case of fire. When you check into your room, take a few minutes to acquaint yourself with fire exits and their proximity to your room.

Q: My cousin’s friends are hinting that she needs a conservator. Who decides if and when a conservatorship is needed?

A: I’m sure the concerns of your cousin’s friends are well-intended; however, a conservatorship is only one way to ensure that someone will be responsible for taking care of an incapacitated adult and usually considered only as a last resort. While the purpose of a conservatorship is to protect, it also restricts and can be costly as well as time-consuming.

A conservatorship must be formally established and ended by a court of law. The person seeking appointment as conservator must file legal papers and the court will schedule a formal hearing. Requirements are strict and the paperwork is technical.

At the hearing, the court hears evidence that proves or disproves the claim that the person can’t make his or her own decisions. Friends and family can testify, and a physician will report on the subject’s mental and/or physical condition. Based on information provided, the court will make a decision.

If the conservatorship is approved, the conservator assumes the responsibilities as defined by the court for caring for the incapacitated party. This obligation lasts until the incapacitated party dies or the court formally releases the conservator of the responsibilities.

Conservatorship is to be avoided if possible. If it is unavoidable, consider hiring an experienced attorney to guide you through the process.

Happenings

n Financial Self-Defense for Seniors and Soon-to-Be Seniors, a panel presentation, will be 9-11:30 a.m. Friday at Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. Learn to protect and empower yourself from scams and frauds. Refreshments will be served. For information and reservations, call 381-2744.

n In November, look for a Medicare Changes for 2011 seminar close to you. All seniors should attend at least one of these seminars to understand the changes that will occur and any adjustments they will need to make in their healthcare coverage. For information, call HICAP at 477-7310 or the advocates at 495-6250.

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Senior Advocate: Social Security can name third party to handle benefits

Wed, 13 Oct 2010 18:11:47 GMT

By Betty Berry, Tuesday, Oct. 12, 2010 Q: I have been told that Social Security has a program to assist individuals who cannot manage their financial affairs. Can you provide some details?

A: There is such a program for people who receive Social Security and/or Supplemental Security Income (SSI) and are not able to handle their own financial affairs.

After a thorough investigation, Social Security will appoint an interested third party to handle the Social Security benefits.

The appointee is called a representative payee and the Social Security and/or SSI benefits due the beneficiary are made payable in the representative payee’s name on behalf of the beneficiary.

The representative payee has many important responsibilities. The benefits received must be used only for the personal care and well-being of the beneficiary. Any excess must be saved for that beneficiary.

Social Security must be kept informed of any events that might affect eligibility for benefits. An annual accounting report must be filed with Social Security showing how the money received was spent or saved.

If you would like more information on the representative payee program you can go to Social Security’s website, http://www.socialsecurity.gov.

Q: My father, a widower, lives some distance away, and I am considering having him live with us but have heard negative comments about such arrangements. Do you have any suggestions on how to make it work?

A: I, too, have heard negative comments about sharing a home. However, I have also heard of situations where it worked out very well. No two situations are alike, but some advance planning can certainly ease the way.

Open communication is probably the most important factor for success. First you and your spouse, if you are married, must discuss the idea and face the changes that will take place in your lives. A dual commitment will go far in resolving problems.

It is also important that your father be part of the decision-making process. He will be giving up a lot of his independence and needs to feel that his moving in will not create a burden on your lifestyle.

Of course, physical logistics will need to be worked out. The ideal plan would provide your father with a room and bath of his own. A separate telephone line and television set would contribute to everyone’s privacy. If private quarters are not feasible then some guidelines for this sharing will provide for necessary privacy and space.

Most elders need and want to feel that they belong. By allowing your father to take on some responsibilities he will feel he is contributing to the family unit. A family meeting is a great way of establishing rules, responsibilities and tasks, including financial arrangements, if applicable.

If all parties know what to expect there is less chance of hurt feelings or conflict.

Attitude can make or break a situation. If the arrangement is seen as a burden, it will become one. However, if it is considered an opportunity you’ll likely have success.

Keep a sense of humor and good luck!

Happenings:

Oct. 22: 9-11:30 a.m, Panel Presentation, Financial Self Defense for Seniors and soon-to-be Seniors, Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. Learn how to protect and empower yourself from scams and frauds. Refreshments will be served.

For information and reservations call 381-2744.

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Senior Advocate: Agencies that help seniors topic of Tuesday seminar

Wed, 06 Oct 2010 16:52:40 GMT

By Betty Berry, Oct. 5, 2010 Q: A few weeks ago you wrote about Senior Concerns’ 2010-11 Solving the Aging Puzzle seminar series. Toward the end of the article you mentioned that the first seminar would be in October. Could you provide more details?

A: Yes, I certainly can. The article you are referring to was mostly about the kickoff event — Senior Emergency Preparedness — that took place Saturday.

The Solving the Aging Puzzle series will begin Tuesday and continue monthly (except in December) through June. The theme of the 2010-11 series is Help — Who Are You Going to Call.

Each presentation will focus on understanding program benefits and resources important to seniors and soon-to-be seniors.

The first presentation, 5:30-7 p.m. Tuesday, is titled Lifelong Learning.

Speaker Marty Kaplan of the Osher Lifelong Learning Institute will provide details about this program that offers mature students the opportunity to enhance their well-being and continue their education without the stress of grades or tests.

The Osher program promotes “learning for learning’s sake” and offers classes on subjects including the arts, science, literature, religion and culture.

Something is available for everyone.

The seminar will take place at Senior Concerns Day Care Center, 401 Hodencamp Road, Thousand Oaks.

Reservations are suggested and can be made by calling Senior Concerns at 497-0189.

If you forget to make reservations, walk-ins are welcome.

If you need respite care for a special-needs senior so that you can attend the seminar, you can make arrangements for that care at the center when making your reservation.

Reservations for respite care are required.

The series will continue in November with Home Mods and Handy Gadgets.

There are no fees for these informative discussions, but donations are welcome.

Q: Some time ago I completed a questionnaire that sought information to help plan for the future senior adult community in Thousand Oaks. I’m sure much has happened since then.

Do you know where that project stands?

A: You have a very good memory and ask a timely question. The Senior Adult Master Plan, known as SAMP, has been completed. Committees have been formed and great progress has been made.

The Thousand Oaks City Council has approved the SAMP implementation plan for the next phase. To set plans in place for the next year, the Council on Aging is planning a kickoff breakfast Tuesday for members of the team and any newcomers who would like to become part of that team.

For more information or to RSVP for the breakfast, call 449-2743 or e-mail Councilonaging@toaks.org. This is your opportunity to be part of what is to come.

Happenings

Oct. 13: Supplementing Medicare Coverage seminar, 1:30-3 p.m. at Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village. For information, call 495-6250.

Oct. 16: Rethinking Your Future; Life Planning Tools Seminar, 9-11:30 a.m. at Emmanuel Presbyterian Church, 588 Camino Manzanas (corner of Lynn Road), Thousand Oaks. Reservations are required; call 498-4502.

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Senior Advocate: Talk to parents about their desires before care is needed

Fri, 01 Oct 2010 18:50:13 GMT

By Betty Berry, Tuesday, Sept. 28, 2010 Q: My parents live in another state. They are healthy but getting on in years, and I’m concerned about helping them when they need assistance. What can I do now?

A: Caring for aging parents is a concern no matter where they live. There are, however, a few steps you can take now which can ensure you’ll be better prepared in an emergency.

Talk with your parents. It’s vital that you understand what they want and need. Get to know the people in your parents’ life.

Establish a communications network with their friends, neighbors, clergy, doctors, etc. Exchange phone numbers and make sure your parents’ most trusted friend or close-by relative has a key to their home.

Although most of us have been taught not to ask personal questions, it now becomes necessary to have some basic knowledge of your parents’ personal affairs. Take an inventory together. In general terms, discuss what income is available and how it is generated. Determine what assets exist, how they are titled and which can be tapped, if necessary, for future living expenses. Review medical insurance coverage. Learn where important papers are kept.

Since your parents live in another state there may be differences in state laws for eligibility for the Medicaid (our MediCal) program.

To find the appropriate state office for this information and for other services available in your parents’ state, call the Eldercare Locator Service at 800-677-1116 or contact the Area Agency on Aging in your parents’ community.

Q: I live alone and am very much afraid of fire. I would like to “fireproof” my home but don’t have any idea on how to start.

A: Every year home fires kill and injure thousands of people, many of them senior citizens. You can stop fires before they start by following basic fire-safety rules. Look for the hazards in your home and eliminate them as you do your chores. Don’t let rubbish pile up. It adds fuel to a fire and can block escape routes. Store things safely. Keep stairs and hallways free of clutter. Make sure windows and doors aren’t blocked and can be opened easily.

Check your appliances. Replace or repair any appliance that sparks or smokes. Make sure televisions and stereos have space for air circulation and remove lint from the dryer filter after every load.

Don’t overload circuits or outlets. Replace cords that aren’t in good condition and avoid using extension cords.

Kitchens can be dangerous. Keep your range, oven and vent fan clean and grease-free. Keep curtains and towels away from cooking areas. Make a fire escape plan, mapping out all possible escape routes. Review it frequently. Purchase a multipurpose fire extinguisher and learn how to use it.

Q: Do you know of any coming educational event that would be of interest to an individual who just recently started providing services to the senior population?

A: Yes I do. I was just informed that the Ventura County Homecare Association is offering a conference geared to senior providers.

That event is scheduled for Oct. 13 and providers interested can visit http://www.vchainc.org for details on time, place, content and speakers.

Happenings

Oct. 13: Seminar on Supplementing Medicare Coverage; 1:30-3 p.m. at Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village. For information, call 495-6250.

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Senior Advocate: Medicare Part A will cover expense of hospice care

Mon, 27 Sep 2010 20:29:56 GMT

By Betty Berry, Tuesday, Sept. 21, 2010 Q: My brother, who is the caretaker for my 99-year-old mother, told me recently that my mother was eligible for Medicare’s hospice benefit. I thought Medicare did not pay for “custodial” care. Where can I get more information about this?

A: You are right — Medicare does not pay for custodial care. However, hospice care is much different from custodial care, and it is covered under Medicare Part A benefits.

To qualify for hospice benefits a patient’s doctor must certify that the patient has a terminal illness and is expected to live six months or less if the illness proceeds at its normal course.

Hospice care coverage includes drugs for pain relief and symptom management. It also covers medical, nursing, social services and grief counseling.

Hospice care can be received in the patient’s home or other living accommodations such as an assisted care or skilled nursing facility. If the care is received in a facility the hospice coverage does not include the cost of room and board.

Hospice services must be provided by a Medicare-approved agency.

Custodial care does not require the services of trained medical personnel or therapists, and it does not have to be provided by a Medicare-approved agency. It can be performed by family members as well as home aides.

A custodial care patient usually requires either stand-by supervision or hands on assistance with one or more of the normal daily living activities.

Daily living activities include bathing, toileting, dressing, eating, transferring to and from a bed and chair and incontinence.

A suggested place to start a discussion about hospice services and to find out if such services would be appropriate for a family member would be with the patient’s primary physician.

Q: My dad is currently in a skilled nursing facility recovering from back surgery. He has Medicare as his primary insurance with a Medigap policy as his secondary coverage. The admissions office informed me that the first 20 days will be paid fully by Medicare and that the next 80 days his Medigap policy would pay the co-pay. Is this true?

A: Basically this is true. There are a few qualifications that must be met to have Medicare pay in a skilled nursing facility.

First, the patient must have been in an acute care hospital for a minimum of three days and then need either skilled nursing care or therapy at a facility.

Medicare will pay the full cost for the first 20 days and partially for days 21 through 100 if the need for that skilled care or therapy continues.

If the need for that care ceases before the 100 days are used up then the Medicare coverage stops. The coverage does not extend beyond the 100 days even if the need for that type of care continues.

Most Medigap policies cover this type of care.

Happenings

Oct. 2, 9:30 a.m.-1 p.m.: Seminar — Senior Emergency Preparedness at Senior Concerns Day Center, 401 Hodencamp Road, Thousand Oaks. For reservations, call 497-0189.

Oct. 2, noon-3 p.m. Annual Parkinson’s Disease Educational Presentation at Northridge Hospital, Educational Auditorium, 18300 Roscoe Blvd., Northridge. Reservations required; call 818-885-8623. Calls from outside 818 area call 866-499-2732.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; call 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number.) You are invited to submit questions on senior issues.

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Senior Advocate: New dementia support group offers evening meetings

Wed, 08 Sep 2010 20:35:34 GMT

By Betty Berry, Tuesday, Sept. 7, 2010 Q: I am a caregiver for a relative who is in the beginning stages of dementia. I also hold down a full-time job. I would very much like to attend a support group but have not found one that meets in the evening. Do you know of one that does?

A: Yes, I know of two caregiver support groups that hold their meetings in the evening, including a new one offered by the Central Coast chapter of the Alzheimer’s Association.

This new support group will hold its meetings from 7-8:30 p.m. on the first and third Tuesdays of each month at the OakView assisted-living facility at University Village, 3557 Campus Drive, Thousand Oaks. For more information, call 380-4264.

Also, Senior Concerns facilitates an evening support group for caregivers of dementia patients on the second Wednesday of each month from 7-8:30 p.m. at the Simi Valley Senior Center, 3900 Avenida Simi. For more information, call Senior Concerns at 497-0189.

These groups are designed to provide emotional, educational and social support for caregivers. The meetings help participants develop methods and skills to solve problems and encourage caregivers to maintain their own personal, physical and emotional health as well as optimally care for the person with dementia.

Q: My dad might need to go into a skilled nursing facility, and I’ve been told that Medicare might pay the costs. Do you know under what conditions this would occur?

A: The reason for your dad’s stay in a skilled nursing facility will determine whether or not Medicare will cover some of the cost. There are three types of care an individual can receive in a skilled nursing facility: skilled care, rehabilitation therapy and custodial care. Medicare coverage only applies to skilled care or therapy.

If your dad needs only custodial care, Medicare will not cover any of the costs. However, if your dad needs continued skilled care or therapy after having been in an acute care hospital for at least three days, Medicare coverage is available for a limited period of time.

Custodial care does not require the skills or knowledge of a doctor or registered health personnel. Care is normally provided by an attendant who assists or supervises such activities as walking, bathing, dressing, eating, toileting or moving from bed to chair, etc.

Medicare defines skilled care as a nursing or rehabilitation therapy service that requires the special skills of technical or professional health care personnel such as registered nurses, licensed practical or vocational nurses, physical therapists, occupational therapists, speech therapists and audiologists.

Examples of skilled care services include, but are not limited to, intravenous feeding, care of catheters, application of dressings involving prescription medications, and treatment of bedsores and other widespread skin disorders.

Skilled rehabilitation services include therapeutic exercises or activities, gait evaluation and training, ongoing assessment of rehabilitation needs and potential, and maintenance therapy. Both skilled care and rehabilitation services must be required seven days a week to qualify for Medicare coverage in a facility.

There may be some crossover of coverage. A patient who needs both skilled or therapy care as well as custodial care will likely be considered a Medicare patient.

Also, a service that is ordinarily considered custodial may at times qualify as skilled if the overall condition of the patient requires the expertise of skilled personnel.

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Senior Advocate: Class will help inactive seniors get the exercise habit

Wed, 01 Sep 2010 23:50:05 GMT

By Betty Berry, Tuesday, Aug. 31, 2010 Q: I keep hearing about the need for seniors to include physical activity in their daily activities, but I never seem to have the time or interest. How can I get started?

A: I am always excited to report on a new program or activity for seniors. Senior Concerns and the SCAN Senior Resource Center, in cooperation with California Lutheran University’s exercise science department, will be offering the Active Living Every Day course, which helps sedentary people become and stay physically active for a lifetime. The course, developed by the Cooper Institute, uses established behavior change models to empower people to overcome barriers to physical activity.

The 14-week course, designed for inactive seniors 60 and older, will be held from 3:30 to 5 p.m. Mondays starting Sept. 13 at Senior Concerns Day Center, 401 Hodencamp Road, Thousand Oaks.

The initial session is free for the first 20 qualified seniors. Participants who enroll in the program will be required to commit to all 14 sessions.

The class will be conducted by Bob McCullagh, a certified ALED instructor at the SCAN Senior Resource Center in Ventura. For more information about this program and to find out if you qualify to participate, call the center at 658-0365.

Q: In the past few months I have had several friends laid up due to a fall. I believe this is one of the most serious things that can happen to a senior. Do you have any hints on how to avoid falls in the home?

A: A fall in itself is bad enough, but it can, and many times does, result in additional problems. Some victims never fully recover from the effects of a fall.

Falls can occur in any part of the home, but some rooms are more dangerous than others, starting with what is usually the smallest room in the house: the bathroom. A wet, soapy floor, tub or shower can be more slippery than a skating rink, and just getting in or out of the shower or tub can throw off one’s balance. To help eliminate slippery conditions, place grab bars and skid-proof flooring in every bathroom. Make sure someone knows how to properly install these safety tools. A poorly installed grab bar is worse than not having a grab bar at all.

Another dangerous room is the kitchen. Again, spills on the floor can make the floor slippery.

Partial open drawers and cabinet doors can throw someone off balance who tries to avoid or bumps into them. A little effort to wipe up spills and close drawers and doors when they’re not in use, will help eliminate dangerous situations.

Stairs can be deadly: Loose handrails, slippery conditions, worn carpeting, poor lighting and objects left on steps are all hazards.

Handrails should be securely attached to the wall and go from the first step to last step. Light switches should be at the top and bottom of the stairs so they can be turned on whether a person is ascending or descending.

Other rooms can create dangerous conditions due to poor lighting, cluttered walkways, lamp cords, and throw or scatter rugs.

A periodic review of each room in your home to correct unsafe conditions might help ensure a fall-free environment.

Happenings

- Understanding Social Security seminar, 1:30-3 p.m. Sept. 8, Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village. For more information, call 495-6250.

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Senior Advocate: Caution, watchfulness help protect ATM cards

Wed, 01 Sep 2010 23:47:07 GMT

By Betty Berry, Tuesday, Aug. 24, 2010 Q: A group of us were out the other night when one person needed to use an ATM. When she returned to the table a discussion about ATMs and scams took place. It seemed we all had different ideas about how it happens and how to protect against it. Do you have any suggestions?

A: Modern technology is wonderful, but with convenience comes risk. When using an ATM you need to be alert to a number of things to protect yourself from theft.

First you need to be alert to the ATM itself. While looking at the ATM, ask yourself if there is anything unusual about it. Does it appear to have something added to it or are there wires extending from it that don’t appear to belong? Does it have a sign attached indicating it is out-of-order and directing the user to another machine? If something appears to be out-of-line don’t use that ATM.

Next be alert to the location itself. Although scamming can happen at almost any location, some locations can be less desirable than others. If there is something about the location itself or the foot and car traffic that makes you nervous, then don’t use that ATM.

To obtain the vital information from your transaction the ATM thief needs two pieces of information — your card data that is embedded in the card’s magnetic strip and your PIN (personal identification number).

To capture your card data the thief adds a device to the ATM that will capture your card data as you swipe your card.

To get your PIN they use a hidden camera to record your PIN as you key it into the ATM. The thieves then burn these two pieces of information onto a blank card and use that card to access your account.

To protect yourself against ATM theft there are basically four things you should do every time you use an ATM.

Protect your password. Use familiar ATMs and limit your visits. Observe the ATM you use. Check your bank balance frequently.

Protect your PIN. As you key in your PIN cover your hand to protect it from roaming eyes and hidden cameras.

Use familiar ATMs. Those in dimly lighted spots could be more susceptible to fraud. Those under video surveillance can be safer. Also try to limit your visits to the ATM — with frequency there is risk. Also, daylight hours are usually safer than night hours.

Observe the ATM you are about to use. Make sure the card slot is legitimate and not tacked on. When you insert your card, if it doesn’t feel normal, don’t complete the transaction. Try another ATM.

Check your bank balance. Take time to check your bank balance frequently. If you are using a debit card you are given a two-day window for reporting fraud. If you don’t report debit card fraud within 60 days you have unlimited liability. If using a credit card you have more protection and you can dispute any unusual charges. You have at least one billing cycle to question those charges.

You need to weigh convenience against safety. By planning ahead and using a bank teller you reduce the chance of fraud. Only you know which is more important to you. So if convenience wins out over safety take these simple steps to help protect your money.

Happenings

Brain Fitness six-week program: Aug. 30-Oct. 8. Senior Concerns Day Center, 401 Hodencamp Road, Thousand Oaks. Call Susan at 497-0189.

Savvy Caregiver training: Wednesdays, Sept. 1-Oct. 20 from 3 to 5 p.m. Senior Concerns Day Center. Call Norma at 484-6028.

Thursday 1:30-3 p.m. Seminar “Will You Pass Your Next Driving Test?” Simi Valley Senior Center, 3900 Avenida Simi, Simi Valley. Call 583-6363.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; or call 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number.) You are invited to submit questions on senior issues.

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Senior Advocate: Goebel Senior Center to offer Medicare review Monday

Wed, 01 Sep 2010 23:36:53 GMT

By Betty Berry, Tuesday, Aug. 17, 2010 Q: All the talk about healthcare reform has led me to think about my Medicare coverage and whether I really understand all the parts and rules. Is there somewhere I could go for a refresher course?

A: Understanding Medicare isn’t easy. A review of the numerous parts and rules can’t hurt. Every year there are changes, and you need to keep up to date on your coverage to determine if and how those changes might affect you.

A refresher course, called Medicare 101, is scheduled in Thousand Oaks 10-11:30 a.m. Monday at the Goebel Senior Adult Center, 1385 E. Janss Road.

The presentation, facilitated by Senior Concerns, will define Medicare’s parts and options. Those new to Medicare will learn how and when to enroll, and what happens if they don’t enroll. The review also will cover the cost and if a medical review is required. People who work beyond age 65 will learn how their job status might affect enrollment dates.

Anyone who has Medicare fee-for-service or is enrolled in a Senior Advantage Plan (HMO, PPO or PFFS) should attend.For reservations, call 381-2744.

Q: I live in Simi Valley and in years past have enjoyed the information expo at the Senior Center. Do you know if it will be offered again this year?

A: The Simi Valley Council on Aging will hold the Wellness and Information Expo 2010 from 9 a.m. to 2 p.m. Sept. 8 at the Simi Valley Senior Center, 3900 Avenida Simi. The event will feature more than 50 vendors and agencies that specialize in providing resources for seniors.

In addition to information on social services, legal assistance, long-term care, housing and adult education, the expo will offer several types of free health screenings on a first-come, first-served basis. Carotid artery screenings, chair massages, heel bone scans, hearing exams, oral cancer screenings, glucose testing and condensed exercise classes will be available.

Admission is free. For more information, call 583-6363.

Happenings

Brain Fitness Program, Aug. 30 through Oct. 8 at Senior Concerns Day Center, 401 Hodencamp Road, Thousand Oaks. For information and reservations, call Susan at 497-0189.

Savvy Caregiver Training, professional training for the nonprofessional, 3-5 p.m. Wednesdays from Sept. 1 through Oct. 20, Senior Concerns Day Center, Thousand Oaks. To register, call Norma at 484-6028.

“Will You Pass Your Next Driving Test?” seminar, 1:30-3 p.m. Sept. 2, Simi Valley Senior Center, 3900 Avenida Simi, Simi Valley. For information or reservations, call 583-6363.

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Senior Advocate: Several websites can help you find forgotten money

Wed, 01 Sep 2010 23:34:38 GMT

By Betty Berry, Tuesday, Aug. 10, 2010 Q: I received a letter from a company saying that the state was holding some money that belonged to me and for a fee this company would collect that money and forward it to me. Is this on the up and up or is it some type of scam?

A: This is an excellent question and you are to be congratulated on being so observant. We can never be too careful.

The letter you received in all likelihood is an honest offer. There are companies whose sole purpose is to search public records and do the work required to collect money due an individual for a fee. Sometimes it is a flat fee and sometimes it is a percentage.

However, you can easily search the records yourself and claim the money without the use of private services that want upfront fees.

When someone forgets about or was never aware of an account or refund, and the company holding that money is unable to reach them, the money is turned over to the government of the last state in which the account owner resided. It is held as unclaimed property waiting to be claimed by its rightful owner.

Most accounts become unclaimed when there is no owner contact with the financial institution or account activity for three years.

In California that property is held by the State Controller in the State Controller’s Unclaimed Property Program.

You can search the State Controller’s website at http://www.claimit.ca.gov or call 800-992-4647 from 8 a.m. to 5 p.m. Monday through Friday.

You can also write to the State Controller’s Unclaimed Property Program, P.O. Box 942850, Sacramento, CA 94250-5873.

To discover if you are among those who have unclaimed property waiting for you to come forward, check http://www.missingmoney.com or http://www.unclaimed.org. Search every state in which you have lived, and check maiden names and those of deceased family members.

Q: I understand that Medicare Part D enrollees who fall into the doughnut hole will receive a refund check of $250. What would I have to do in order to receive this check?

A: Seniors, except those receiving assistance with their prescription costs, who hit the doughnut hole in their Medicare Part D Prescription Drug Plan this year will receive a one-time refund check in the amount of $250.

This rebate is the first step in a decadelong phase-out of the so-called “gap” in Medicare Part D prescription coverage.

There are no forms to fill out. Once you qualify by being in the doughnut hole Medicare will automatically send you the check.

Since this check will come to you automatically, no one is authorized to approach you offering help in obtaining the refund. If you are approached by someone who offers such help you should report it to the Area Agency on Aging’s HICAP manager, who can be reached at 477-7310.

Once you are in the doughnut hole Medicare will start the refund process. Part D enrollees who were in the doughnut hole in January, February or March received their checks in June. Those who entered the doughnut hole in April, May or June are currently receiving their checks.

Enrollees entering the doughnut hole in July, August or September will receive checks in October and those who are eligible in October, November and December can expect these one-time checks in January.

Looking ahead, if you reach the coverage gap in 2011 you will receive a 50 percent discount on your brand-name prescription drugs at the time you purchase them unless you are already receiving Medicare extra help with your prescription drugs.

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Senior Advocate: Adult day care centers can be boon for caregivers

Wed, 01 Sep 2010 23:32:07 GMT

By Betty Berry, Tuesday, Aug. 3, 2010 Q: I am a full-time caregiver and at my wits’ end. I am totally worn out and need a break. Placing my loved one in a long-term care facility is not an option at this time and having someone come into my home will not provide me the peace and quiet that I need. Is there an option I am not aware of?

A: First, I want to commend you for reaching out. Many caregivers, for a variety of reasons, resist the need to ask for help.

Now, to answer your question about other options available. You need to investigate adult day care centers, which are available countywide and provide a win-win situation for both the participant and the caregiver.

These centers provide older adults an opportunity to get out of the house and receive mental, social and physical stimulation.

They also give caregivers like yourself a much-needed break to attend to personal needs and relaxation.

Operating during daytime hours, usually from Monday through Friday, these sites provide a safe, cheerful environment along with social and health-related activities programs designed to promote well-being.

Nutritious meals and appropriate snacks are typically included, and special diets can be accommodated. Transportation between home and the day care center is also part of many programs.

Adult day care centers can be public or private, nonprofit or for-profit.

They can also be social models or healthcare models. The healthcare models usually require a health assessment by a physician before the senior can be admitted into the program, and they often provide physical, occupational and speech therapy.

The cost for adult day care programs varies depending on where you live and the services provided. Medicare does not cover the cost of these programs. Many facilities offer services on a sliding-fee scale based on your income and ability to pay. If the participant has long-term care insurance, some policies do cover the cost of both social and healthcare programs.

MediCal might assist with the cost of licensed adult day healthcare programs if the participant meets eligibility requirements.

Candidates who are likely to benefit from the day care experience include those who are physically or cognitively challenged but do not require 24-hour supervision, and those who are in the early stages of dementia.

Adult day care participants need to be mobile with the possible assistance of a cane, walker or wheelchair. Some day care centers also require that the participant be continent.

Caregivers should seriously consider using adult day care if their loved one is isolated and desires companionship, can’t be safely left at home alone, needs assistance with daily activities or lives with someone who is frequently away from home.

Senior Concerns offers a social model day care program with numerous sub-programs that serve participants with different needs, including those with moderate to severe Alzheimer’s disease.

For more information about Senior Concerns’ programs, visit http://www.seniorconcerns.org/.

To learn more about day care programs in general, visit http://www.caads.org. or http://aaa.countyofventura.org/Seniors.aspx.

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Senior Advocate: Strategy needed to dissuade would-be driver with dementia

Wed, 28 Jul 2010 18:26:03 GMT

By Betty Berry, Tuesday, July 27, 2010 Q: I am helping my sister-in-law deal with my brother, who has dementia but insists that he can still drive.

He is very stubborn, and no matter what we say to him, tells us he is a safe driver. Whenever he can, he sneaks out and “takes a ride.”

What can we do?

A: Explaining anything to a person with dementia can be difficult at best; however, talking about taking away driving privileges is even more difficult because this represents a tremendous loss of independence. Bringing up the issue can trigger anger, denial and grief.

Unfortunately, someone suffering from dementia doesn’t recognize that he or she no longer has the ability to make the split-second decisions required to safely operate a vehicle.

You don’t say whether you have talked with your brother’s doctor, but if you haven’t, that might be a place to start. Often, a person with dementia is more willing to listen to a third party such as a doctor than to a family member.

Another approach is to team with family and friends, with each person pointing out a different problem that he or she has observed, such as failing to observe traffic signals, driving at inappropriate speeds, getting lost in a familiar location, or becoming angry, frustrated or confused in traffic.

This “tough love” approach often makes an impression.

If talking doesn’t resolve the problem, making the car unavailable or inoperable can prevent your brother from sneaky driving sessions.

Hide the car keys or substitute unusable keys on his key ring, park the car at a friend’s house so he doesn’t have easy access to it, or have a mechanic disable it.

When your brother wants to go somewhere, offer to drive.

If you do drive, remember to never leave a person with dementia alone in a parked car.

Last but not least, consider selling the car.

Whatever steps you take, be persistent and consistent. The safety of your brother and those who would share the road with him is most important.

Although no one wants to limit independence by taking away driving privileges, please don’t wait for an accident to happen.

Q: My parents were married for more than 60 years and now Mom is gone. Dad insists on living alone but seems unable to manage the household. I’m sure this is common.

Is there a way to plan for living alone after many years of marriage?

A: Yes, this situation is common. Generally, women find that they don’t know enough about finances and men have difficulty with household chores.

After many years together, couples work like a single unit, and with both participating the household runs smoothly. They usually don’t think about which chores each spouse performs until a particular task doesn’t get done.

If we each took time to observe the little things our spouses do, and learn to do those chores ourselves, even if we just learn the basics, we would be better prepared.

Learn how to put gas in the car. Learn how to buy groceries. Learn how to cook enough to survive. Learn how to do laundry or run a vacuum. Learn how to pay bills and organize finances.

Even if the need to do these chores never arises, think how much you will appreciate what your spouse contributes to the smooth running of your household.

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Senior Advocate: Long-term-care ombudsman is a citizen representative

Wed, 28 Jul 2010 18:22:34 GMT

By Betty Berry, Tuesday, July 20, 2010 Q: I just placed a family member in a nursing facility, which mentioned a long-term-care ombudsman. Can you explain what an ombudsman does?

A: I’d be glad to. “Ombudsman” is a Swedish word that means citizen representative. A long-term-care ombudsman is a state-certified community volunteer who is trained to objectively investigate and resolve problems for residents in long-term-care facilities.

The ombudsman’s main goal is to ensure that residents at such facilities are getting the services to which they are entitled. Many of these residents have little or no contact with the outside world. Nor do they have control over their lives. The ombudsman serves as an advocate for residents and helps to improve their quality of life.

At least one experienced and trained ombudsman is assigned to each facility and is required to spend a specified period of time there each month. He or she is available to assist in resolving problems related to residents’ rights, physical and mental care, personal dignity, meaningful activities, legal or financial problems and regulatory red tape.

The Long Term Care Services of Ventura County Ombudsman Program is a nonprofit organization. Services are free of charge and confidential. The program can be reached from Mondays through Fridays at 656-1986.

Q: My neighbor receives an SSI check from the federal government each month. Is this the same as Social Security?

A: No. SSI, Supplemental Security Income, is not the same as Social Security. Although the Social Security Administration oversees the SSI program, the money comes from the general fund of the U.S. Treasury.

SSI is a program for people who are in financial need. Checks are paid to people who are 65 and older, or blind or disabled if they meet the strict eligibility requirements. Some of the funds in the SSI check might come from the state. For the recipients’ convenience, state and federal governments have agreed to combine their payments into one check that is rendered by the federal government.

To qualify, applicants must have little or no income and very few assets. They must be either United States citizens or in this country legally. In addition they must live in the United States or the Northern Mariana Islands.

If the applicant is eligible for other benefits such as Social Security, he or she must apply for those benefits before SSI can be determined. For more detailed information about eligibility and benefits, contact the Social Security Administration.

Q: I have a friend who recently lost her sight. When I’m visiting I want to help her, but I’m not sure what I should or shouldn’t do.

Help your friend use whatever vision she may have. Legal blindness is not necessarily total blindness; wide gestures and contrasting colors, especially black and white, are more easily seen.

Always ask how you can be of help before taking the initiative to act. For example, if you are in a restaurant don’t assume you need to read the menu aloud — ask if doing so would be helpful.

When walking from one area to another allow your friend to take your arm; don’t take hers. As you walk, alert your friend to changes such as a narrowing of walkway or steps ahead. Relax and enjoy your visits. You will soon learn when assistance is appreciated.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; or call 495-6250 or e-mail betty@seniorconcerns.org. You are invited to submit questions on senior issues.

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Senior Advocate: Employer policy not same as medigap

Wed, 07 Jul 2010 17:41:00 GMT

By Betty Berry, Tuesday, July 6, 2010 Q: I retired before age 65 and have healthcare benefits from my employer. Will this be considered a Medicare supplement when I go on Medicare?

Employer retirement plans are not the same as the state-regulated Medicare medigap plans. They do not necessarily provide the same services, since coverage depends on the contract between the employer and the insurer. Coverage will also vary depending upon whether the plan is a fee-for-service, managed-care HMO or preferred-provider network.

To determine the adequacy of the coverage ask the following questions: What will the plan pay after Medicare has paid? Does the plan pay for services Medicare does not cover? Will it cover you if you move? Is the plan guaranteed renewable? Are there annual or lifetime limits on benefits? Do you have a choice of plans? What is the ongoing cost to you?

Read your benefits booklet or healthcare policy carefully because these types of plans are changing rapidly. For all unresolved questions call your employer’s human resources department.

Q: I’m hearing more and more about elder abuse. What is considered elder abuse and if suspected, who can help?

A: Elder abuse is a growing concern for the agencies and individuals serving the senior population. Abuse can be physical, emotional or financial, or it can be a result of neglect or abandonment.

Physical abuse is any pain or injury inflected by a person in charge of care or in a position of trust. It is probably the easiest to recognize.

Emotional abuse is willful inflection of mental suffering. Examples are verbal assaults, threats, harassment and isolation. It is more difficult to detect and usually exists for quite some time before discovery.

Financial abuse is any theft or misuse of an elder’s assets by a person in a position of trust. Detection is sometimes made difficult by the way an elder has elected to hold title to his or her assets.

Neglect can result from failure of a caregiver to provide reasonable personal hygiene care, medical care or protection from health and safety hazards. Abuse also occurs from self-neglect when elders don’t provide for themselves through inattention or inability to manage.

Abandonment is the desertion of an elder by someone who is responsible for the care and custody of a senior when the senior can’t perform the duties.

Suspicion of any type of elder abuse should be reported. Adult Protective Services can be reached at 654-3200. If the elder is in a long-term care facility contact the Long Term Care Ombudsman at 656-1986.

Happenings

Month of July: 50 percent off sale at Senior Concerns Bargain Boutique and Thrift Shop, 80 E. Hillcrest Drive (Under One Roof Building), Thousand Oaks, open 9:30 a.m. to 4:30 p.m. Monday through Friday and 10 a.m. to 4 p.m. Saturday. Information: 373-0504.

July 14: Seminar “Will You Pass Your Next Driving Test?” 1:30-3 p.m. Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village. For more information, call 495-6250.

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Senior Advocate: Keep Social Security informed of any name changes

Wed, 30 Jun 2010 21:03:00 GMT

By Betty Berry, Tuesday, June 29, 2010 Q: While paying into Social Security I have had several name changes. How can I determine if my earning records are accurate?

A: I asked Social Security to explain the process followed when it receives an earnings report that does not match the name and Social Security number in the files.

The agency goes to great length to find the correct record to which to credit the earnings. It checks for common errors such as use of nicknames, misspellings or transposition of letters or numbers. If these methods don’t work it attempts to contact the worker or employer to resolve the discrepancy.

If earnings remain unassignable they are placed in a “suspense” file; however, investigation continues.

You can help ensure accurate records. When a name change occurs advise Social Security so it can update the records. If you change jobs use the same name with each employer. Avoid using nicknames on your payroll records and review your W-2 form to make sure your employer has your correct name and Social Security number.

Review your personal earning statement that you receive from Social Security each year. If you find an error contact Social Security so the discrepancy can be investigated.

Q: My doctor has determined that I am unable to work, and I wonder if I am entitled to Social Security disability benefits. What are the eligibility requirements?

A: Requirements for qualifying for and collecting Social Security disability benefits are very strict.

Eligibility is based on inability to do any kind of work for which you are suited, a disability that must be expected to last for at least one year, and the length of time you have paid into Social Security.

The process used to determine eligibility requires detailed answers to several basic questions. Are you working? Can you do the work you previously did? Can you do any other type of work?

You should apply for disability as soon as you become disabled. The claims process generally takes three months; however, benefits do not begin until your sixth full month of disability.

Information you need to provide includes Social Security number, proof of age, names and addresses of medical providers, work record for the past 15 years and a W-2 or federal tax return for the past year.

Disability benefits are available only if you have enough work credits, and the number required depends on your age. Disability benefits are available at any age, but your monthly benefit will be based on your lifetime average earnings covered by Social Security.

If you are receiving disability benefits when you reach your full retirement age your benefits will become retirement benefits. The benefit amount will remain the same. You will be automatically enrolled in Medicare after you have collected disability benefits for 24 months or when you reach age 65 whichever comes first.

Happenings

Thursday 11 a.m. “Salute To Our Veterans” ceremony and barbecue at Cypress Place Senior Living, 1200/1220 Cypress Point Lane, Ventura. For information call 650-8000.

Brain Fitness Program: Six-week program July 19-Aug. 27 at Senior Concerns Day Center, 401 Hodencamp Road, Thousand Oaks. For more information and reservations, call Susan at 497-0189.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org. You are invited to submit questions on senior issues.

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Senior Advocate: Medicare fraud will be discussed at senior center

Wed, 23 Jun 2010 18:53:00 GMT

By Betty Berry, Tuesday, June 22, 2010 Q: We have heard over and over that we, the users of the system, should review our Medicare Summary Notices and report any errors found.

What action can we expect from the Medicare System when we make a fraud complaint? What, if anything, is done to the providers who are found guilty of fraud?

Also, I understand that the healthcare reform that has just been passed will be addressing Medicare fraud — what can we expect?

A: An excellent question. Your question is also very timely as a panel presentation on this very subject is scheduled this month.

“Medicare Fraud — How Does It Happen? — How Is It Detected? — How Is It Investigated?” is scheduled for Monday from 1:30 to 3 p.m. at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks.

Panel presenters from the Centers for Medicaid and Medicare and the Senior Medicare Patrol will discuss how fraud happens, areas in which it occurs and what to look for.

The presenters will also provide tips on what you can do to help prevent fraud and abuse. As a consumer you are often in the best position to alert Medicare to possible fraudulent activity.

This should be an eye-opening presentation and one that every user of the Medicare program should attend to learn how scammers work.

If you have questions about how fraud affects your benefits or how it taxes the system overall, this is the seminar you should attend.

Q: I can’t understand why they make senior healthcare coverage so difficult to understand. Plans refer to deductibles, coinsurance, copayments and share-of-cost. Are these terms interchangeable?

A: The insurance industry, like all other businesses, has a unique vocabulary to describe its services. The government plans that cover senior healthcare are no different.

While the terms you mention do sound alike there are subtle differences and the terms are used in conjunction with different types of healthcare coverage.

A deductible is the initial specific amount of money that the insured is required to pay toward healthcare expenses before the insurance company will start to cover the cost. You’ll find this term is used by Medicare in Part A (hospital coverage), which has a deductible of $1,100 each time you enter the hospital. Part B (medical coverage) has an annual deductible of $155 before Medicare covers the costs and Medicare Part D (prescription coverage) plans have variable deductibles of zero to $310 depending on the plan selected.

Many employer’s plans also use the 80/20 coinsurance ratio with the insurance paying 80 percent of the cost and the patient being responsible for the remaining 20 percent.

A copayment is a fixed amount the insured is required to pay for each medical service received, such as a doctor’s visit or prescription purchase. Co-payments are usually found in managed care coverage such as HMO and PPO plans. They usually range from $5 to $25 per service.

The term share-of-cost is associated with the Medi-Cal program. It is actually another way of describing a deductible. The amount of share-of-cost, however, is not a fixed amount but varies depending on the income of the insured.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org. You are invited to submit questions on senior issues.

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Senior Advocate: Ask questions when considering retirement community

Wed, 16 Jun 2010 20:22:03 GMT

By Betty Berry, Tuesday, June 15, 2010 Q: I’ve been widowed for almost two years and am considering a move. My home and yard are more than I want to continue to take care of. However, I am active and independent. I don’t need to be taken care of but at times am very lonely. I’m considering what they call retirement living. Can you provide any guidance about this?

A: I’d be delighted to tell you what I know about retirement living. It is one of the numerous alternatives the retirement housing industry offers seniors. You’ll find this type of accommodation referred to as a retirement community, a retirement facility, or independent or congregate living. These accommodations are designed for independent senior adults and provide apartmentlike living with 24-hour on-site staff available should a problem occur. Services usually include meals, housekeeping, laundry, social activities (entertaining and educational) and transportation.

Plan visits to all the retirement facilities available in your area so you can compare.

Some facilities offer the opportunity to stay for two or three days so you can experience what it’s like to live there. If you are offered such an opportunity, I encourage you to take it.

During a tour, ask about rules and regulations, such as whether residents are allowed to have a small pet in their apartment.

Find out about the cost and what is included in the monthly fee. Checking on meal service is very important. How many meals per day are included in the basic monthly fee? If you have special dietary needs, can they be met? If you are ill, is tray service available and at what cost? If you no longer drive, is transportation available, and if so, how much and how often? If you still drive, is parking available? Check on laundry facilities, and the availability of extra storage and on premises services as a barber or beauty shop. If you have out-of-town friends or relatives who might visit, does the facility offer guest accommodations? Look into the type and frequency of social activities. Do the events interest you? Are trips away from the facility offered?

Because you would be living in much smaller quarters, be sure to look at the public rooms available for your use and enjoyment. Is the dining room pleasant? At what times are meals served? Is there a small private dining room where you could host a family get-together? What kind of activities does the activities room accommodate, if one is available? Are evening as well as daytime activities planned? Is there an exercise room? If so, what type of equipment is provided? Do residents appear to use these rooms?

Ask a current resident to act as a guide for your tour. If possible, try to have a meal as part of your visit. Be aware of how friendly the staff members are to residents. They should treat the residents with respect and know the residents by name. Take time after your visit to consider whether the facility will allow you to live as easily and independently as you would like. Good luck on your search.

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Senior Advocate: Make sure your parents' records are in order

Wed, 16 Jun 2010 20:19:17 GMT

By Betty Berry, Tuesday, June 8, 2010 Q: My parents are very private about their finances and personal records.

Until now this hasn’t been a problem, but they are beginning to need my assistance and I don’t have the information I need to help them get the care and services they require.

Do you have any suggestions about what I should ask them to provide?

A: Your situation is not uncommon. We are all guilty to some degree of not planning for the future, which includes getting our financial and personal records in order and letting a family member or close friend know where the information is kept.

Although each person’s situation is unique, some basic information and documents should be available.

The following suggestions might help you organize not only your parents’ records but also your own.

First, compile a personal records file that includes the individual’s full legal name, legal residence, date and place of birth, and Social Security number. Without these four pieces of information, obtaining services can be difficult.

This file should also include the names of spouses and children and whether they are living or deceased. Information on where to find a will or trust, certificates (of birth, marriage, divorce or death) and citizenship papers should be provided.

A record of employment (employers and dates of employment), education (schools, degrees and dates obtained) and military service (enlistment and discharge dates, branch of service and rank) are useful in determining what benefits might be available.

Requests, preferences or prearrangements for burial and religious affiliation as well as names and addresses of close friends, relatives, doctors, lawyers or financial advisers can make the caregiver’s task much easier.

Second, create a financial records file that lists information about insurance policies, bank accounts, deeds, investments and other valuables.

This file should show all sources and amounts of income (pension, Social Security, interest, etc.) and types of assets (stocks, bonds, property, bank accounts, etc.).

Details of insurance coverage are also needed. Names of insurers and policy numbers for healthcare, life and property coverage and contact telephone numbers for those policies will provide the caregiver with the ability to handle almost any crisis.

If there are outstanding liabilities, a list of what is owed, and to whom and when payments are due, should be included.

This would cover such debts as mortgages, charge accounts, and property and income taxes.

The financial record file should also provide the location of a safe deposit box, if applicable, and the name or names of those who have access to it. A copy of the most recent income tax return is useful.

Additional issues that should be considered are the execution of two documents: an advance directive for healthcare and a general durable power of attorney, which allow someone named in the document to act on behalf of the person.

Before completing any legal documents, don’t hesitate to consult with an attorney for advice.

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Senior Advocate: Seminar will offer help getting your complaints heard

Wed, 16 Jun 2010 20:15:19 GMT

By Betty Berry, Tue. June 1, 2010 Q: I don’t know if it is because I’m a senior, but I’m tired of receiving poor responses to problems I try to resolve. Can you make any suggestions on how to “get what you pay for?”

A: I’m sure your frustrations are shared by the general public and are not limited to senior citizens. When you find that a service or merchandise is less than acceptable, you have the right to complain.

To be effective, you need to be brief and to the point, and above all else, polite. For a good review on how to complain effectively, you should mark your calendar for the next Senior Issues seminar at the Westlake Village Civic Center.

“How to Right a Wrong — Complain Effectively and Get Results” is scheduled from 1:30-3 p.m June 9 at the Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village.

The seminar will be facilitated by the senior advocates and will cover the what, why, when, how, where and who of effectively advocating for yourself when something has gone wrong.

For more information, call the advocates’ office at 495-6250.

Q: Several months ago, you had an article on volunteering with places and names to contact. I cut out the article and subsequently lost it. Would you be able to provide that information again?

A: I certainly can.

If you are 55 or older, you may might to consider volunteering your time through the Retired Senior Volunteer Program, better known as RSVP.

This program places volunteers in almost every type of volunteer position that exists.

There are three RSVP chapters in Ventura County. For more information about volunteer opportunities, contact Kathleen Tarrats in Ojai at 646-0144, Marisue Eastlake in Oxnard at 385-8023, or Cindy Powers in Thousand Oaks at 381-2742.

Q: I know to call 911 in an emergency, but I’m not exactly sure what to expect when the operator answers.

A: You will be much more effective when reporting an emergency if you know in advance what you are likely to encounter and what will be expected of you.

The dispatcher is a professionally trained person who has the responsibility to obtain necessary information and send the appropriate assistance to the scene of the emergency as quickly as possible.

The most important thing you can do is to stay calm. When you are connected with 911, you might hear a recording asking you to wait for a dispatcher. Do not hang up and attempt to place a second call. This will only delay the response time to the emergency you are reporting.

Calls to 911 are handled in the order received. If you hang up and redial, you go to the end of the line.

When the dispatcher does come on the line, explain your situation clearly and briefly. Answers to questions you are asked should be short and direct.

If the dispatcher gives you directions, follow them exactly. If this requires that you leave the phone, do not hang up. Keep the line open. When you have completed whatever you were instructed to do, return to the phone for further instructions.

Never hang up on a 911 call until the dispatcher tells you to do so.

Call 911 anytime there is an emergency. This call is free from all telephones, including pay phones. Nonemergency calls should be made to the local number provided for the agency you are trying to reach.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Be diligent and you can help prevent identity theft

Wed, 26 May 2010 22:57:13 GMT

By Betty Berry, Tuesday, May 25, 2010 Q: I am trying to educate my parents about identity theft, but I don’t think they believe what I’m saying. Perhaps they would listen more if it came from a third party. Can you address how identify theft happens?

A: I would be glad to. Identity theft occurs when someone steals your personal information and uses it without your knowledge to commit fraud or crimes. Skilled identity thieves use a variety of methods to get their hands on your personal information. The most common are Dumpster diving, skimming, phishing, changing your address, and just plain stealing.

Dumpster diving is exactly what it sounds like: rummaging through your trash looking for documents that include information such as Social Security numbers, account numbers and birth dates. Always cross-shred documents with this information.

Skimming involves using a special storage device to skim the magnetic strip of your credit or debit card as it is being processed. Never let your credit or debit cards out of sight when using them.

Phishing occurs during computer use. The identity thief, pretending to be a financial company, sends spam or pop-up messages that ask you to reveal account numbers or other information. Never respond.

A thief who changes your address can divert your billing statement — with account numbers and other information — to another location. You never receive a bill and the thief, of course, doesn’t pay it. Know when your bills are expected each month; if you don’t receive them, contact the credit card companies.

More familiar forms of stealing have not gone away. Wallets, purses, bank and credit card statements, pre-approved credit offers, new checks or tax information can be stolen by strangers breaking into your home or removing mail from your mailbox. These items can also be stolen by people you hire to work in your home or by someone who lives with you. Personal records can also be stolen from employers.

Deter identity theft by safeguarding your personal information. Shred documents, and protect your Social Security and account numbers. Never give out personal information over the phone or on the Internet unless you clearly know the other party. On the Internet, never click on links sent in unsolicited e-mails. Make sure you have current anti-virus software to protect your computer. Change passwords and PIN numbers frequently, and make them a combination of numbers, symbols and letters — never your birth date, mother’s maiden name or the last four digits of your Social Security number. Keep your personal information in a secure place.

Happening

Brain Fitness Program, Mondays from June 7 through July 6, Senior Concerns Day Center, 401 Hodencamp Road, Thousand Oaks. For information and reservations, call Susan at 497-0189.

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Senior Advocate: Support Meals On Wheels by joining the Love Run

Wed, 19 May 2010 20:11:56 GMT

By Betty Berry, Tuesday, May 18, 2010 Q: In the past I have participated in Senior Concerns’ Love Run. It seems that this is about the time of year it usually takes place. Can you give me details for this year’s event?

A: The 17th annual Love Run is scheduled for June 6. Registration and the start of activities will take place at 3011 Townsgate Road (corner of Townsgate and Lakeview Canyon roads) in Westlake Village.

The event offers something for every member of the family. Race-day registration is at 7 a.m., with a 5K run at 8 a.m., 10K run at 8:50 a.m. and one-mile run/walk at 9 a.m. Races will be timed using microchips; the top three male and female finishers will receive awards. Medals will be awarded to all children younger than 11.

Registration is $25 in advance and $30 the day of the event. For more information, visit http://www.seniorconcerns.org and click on the Love Run logo.

The Love Run is a major fundraiser for Senior Concerns’ Meals On Wheels program. All proceeds go toward providing meals to the area’s homebound, frail elderly who cannot shop or prepare food for themselves.

There are many ways that individuals, businesses, other organizations, families and neighborhood groups can support the Love Run. Volunteering time and making monetary donations is of course helpful, but participating in the event itself also offers support. Forming a team can be fun and a great way to promote teamwork, spotlight a business and increase community awareness of the event.

For more information about forming a team, contact Ashley at 497-0189 or ashley@seniorconcerns.org.

Participation in this annual event is a win-win opportunity. Meals On Wheels wins because of the proceeds, and you win because you get good exercise plus quality time with family and friends.

Q: I have some questions about Medicare coverage and wonder where I can get help with answers.

A: Medicare is a complex plan with many parts, and rules and regulations for each part.

People who are approaching retirement age usually have questions about enrollment and options. Those with Medicare fee-for-service (original Medicare coverage) want to know about supplemental insurance and separate coverage for prescriptions. Beneficiaries who have assigned their Medicare coverage to a Senior Advantage Plan have inquiries about that coverage.

All these questions can be addressed at a workshop scheduled 1:30-3:30 p.m. Monday at the Simi Valley Senior Center, 3900 Avenida Simi.

The workshop facilitator also will point out preventive health care options available under Medicare.

For reservations or information, call the center at 583-6363.

Happenings

Saturday: Information Fair and Expo, 10 a.m. to 2 p.m. at Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For information, call 381-2744.

Sunday: Ms. Senior Conejo Valley Preliminary Pageant, 1:30 p.m. at Goebel Senior Adult Center. For ticket information, call 381-2744.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; or call 495-6250 or e-mail betty@seniorconcerns.org, You are invited to submit questions on senior issues.

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Senior Advocate: Insurance industry has own special terms for services

Wed, 12 May 2010 21:45:46 GMT

By Betty Berry, Tuesday, May 11, 2010 Q: I can’t understand why they make senior healthcare coverage so difficult to understand. Plans refer to deductibles, coinsurance, copayments and share-of-cost. Are these terms interchangeable?

A: The insurance industry, like any other business, has a unique vocabulary to describe its services and fees. Going a step further, each type of coverage could also have unique words to describe the plan. The government plans that cover senior healthcare are no different.

While the terms you mention do sound alike, there are subtle differences and the terms are used in conjunction with different types of healthcare coverage.

A deductible is the initial specific amount of money that the insured is required to pay toward healthcare expenses before the insurance company will start to cover the cost.

You will find this term is used by Medicare Part A (hospital coverage), which has a deductible of $1,100 in 2010 each time you enter the hospital. Part B ( medical coverage) has an annual deductible of $155 in 2010 before Medicare covers costs and, Part D (prescription coverage) could have an annual deductible of up to $310 in 2010 depending on the plan selected.

Coinsurance is the percentage of the cost of care the insured is required to pay after the healthcare plan has paid. Medicare Part B’s coinsurance is usually 20 percent of the Medicare approved amount. Many employers’ plans also use the 80/20 coinsurance ratio, with the insurance paying 80 percent and the patient being responsible for the remaining 20 percent.

A copayment is a fixed amount the insured is required to pay for each medical service received such as a doctor’s visit or prescription purchase. Copayments are usually found in senior advantage plans such as HMOs and PPOs. Copayments usually range from $5 to $25 per service.

The term share-of-cost is associated with the Medi-Cal program. It is actually another way of describing a deductible. The amount of a share-of-cost, however, is not a fixed amount but varies depending on the income of the insured.

Q: A few weeks ago you wrote about a Medicare workshop that was taking place in Thousand Oaks. Any chance that will be repeated in the west county?

A: Yes. The presentation covers “Medicare Basics” and is scheduled for Tuesday from 10 a.m. to noon at the Courtyard Marriott Gazebo Room, 600 Esplanade Drive, Oxnard.

The presenters will walk you through the ABCs of Medicare. Learn what Medicare is and when and how you should sign up for coverage. Find out what Medicare costs and if a medical review is needed to enroll. If you continue to work past 65, learn whether or not you need to enroll or if you can wait until you retire.

The presentation is free, but reservations are suggested. They may be made Monday through Friday from 9 a.m. to 5 p.m. by calling 800-600-4182 or 800-777-1370 for the speech- and hearing-impaired.

This should be a very educational event and one seniors should plan to attend and perhaps bring a friend along.

Happenings

Friday: 1:30-3 p.m. Panel presentation “Medicare Fraud — How Does It Happen — How Is It Detected — How Is It Investigated” at Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. For reservations, call 381-2744.

Monday: 1-2:30 p.m. Presentation “Will You Pass Your Next Driving Test?” at Moorpark Active Adult Center, 799 Moorpark Ave. in Moorpark. For reservations, call 517-6261.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Senior Concerns presentation 'Rewired, Not Retired' to help plan for active future

Wed, 28 Apr 2010 20:53:14 GMT

By Betty Berry, April 27, 2010 Q: My friends and I are closing in on the magic age of retirement and thinking about our plans for the future. Some of us are considering retirement while others are not. We are looking for a class, workshop or seminar that might address our options. Do you know of any?

A: It is never too early to start planning for the rest of your life. Because we are living longer, millions of people can expect to live many healthy active years after reaching “retirement” age.

“Rewired, Not Retired!” is the final presentation in Senior Concerns’ 2009-10 Solving the Aging Puzzle Series. It’s scheduled from 7 to 8:30 p.m. May 11 at the Senior Concerns Day Care Center in Thousand Oaks, 401 Hodencamp Road.

Andrea Gallagher, a certified senior adviser and principal founder of Rethinking Your Future, is the facilitator. She will explore planning for the next 30 years of your life. Discussion topics include realizing your potential, discovering your next calling, taking charge of your life and pursuing your dreams.

Reservations are suggested and can be made by calling Senior Concerns at 497-0189. If you forget to make reservations, walk-ins are always welcome. If you need respite care for a special needs senior to attend the seminar, you can make arrangements for that care at the center when making your reservation. Reservations for respite care are required.

Committee members are already working on the Solving the Aging Puzzle program for 2010-11 and developing another series of topics that are of vital interest to seniors, their families and their caregivers.

The 2010-11 series will start in the fall, with the first event scheduled for October.

Q: Are there any presentations on the horizon that could answer some questions that I have about Medicare?

A: Oh, is your question timely. Yes, there are several workshops scheduled in May.

“Do You Understand Your Medicare Coverage? Is It Working For You? Are You Aware of the Preventative Health Care Options that are Available?”

These questions will be addressed from 9 to 11 a.m. May 10 at the Goebel Senior Adult Center in Thousand Oaks. Call 381-2744 for information and reservations.

The workshop is also scheduled at the Simi Valley Senior Center from 1:30 to 3 p.m. May 24. Call 583-6363 for information and reservations.

Q: If I remember correctly, last year Cypress Place Senior Living held a fundraiser for the Police Dog Foundation. Do you know if that is to be repeated?

A: I just received a flier that announces a Cinco de Mayo Celebration scheduled from 11 a.m. to 2 p.m. Saturday at Cypress Place Senior Living, 1200 Cypress Point Lane, Ventura.

The event raises funds for the National Police Dog Foundation. Make reservations by Friday by calling 650-8000.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250; or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Camarillo Senior Expo is scheduled for May 4

Wed, 21 Apr 2010 21:39:07 GMT

By Betty Berry, Tuesday, April 20, 2010 Q: Spring is in the air, which usually means it must be time for organizations to put on fairs and expos. Do you know of anything being planned?

A: Yes. The Camarillo Council on Aging is planning a day full of fun and great information geared toward boomers, centenarians and everyone in between.

The Camarillo Senior Expo, “Living Life to its Fullest,” is scheduled from 9:30 a.m. to 1 p.m. May 4 at the Camarillo Community Center and Pleasant Valley Senior Center at the corner of Carmen Drive and Burnley Street.

More than 70 agencies and organizations will provide information and displays. The day also will feature entertainment, health screenings, arts and crafts exhibits, and lunch. Dancing will start at 1 p.m.

The Senior Expo will be held rain or shine. Come mix with friends and meet new people.

For more information, call 484-2046.

Q: We are constantly being reminded to be aware of our surroundings and know what is going on around us.

It is also suggested that if we see suspicious people or activities, we should report them.

I’m not sure I know what a suspicious person looks like.

A: There is no particular description of a suspicious person. Generally, anyone who seems out of place for an area or time of day could be considered suspicious. His presence might indicate present or future criminal activity.

An unknown person seen entering a neighbor’s side or backyard or peering into windows would appear to be out of place.

A door-to-door solicitor might be someone attempting to see if the residents are at home. While we have always been told to ignore such knocks on the door, we are now being advised to ask, always through a locked door, who it is and what she wants. An unanswered knock could result in an attempted break-in.

Abandoned vehicles might have been stolen, while those parked in remote areas could be connected to drug or alcohol usage.

A person switching vehicles, especially in a public place, might be dumping a stolen vehicle or one used while committing a crime.

Although some suspicious situations could result in innocent explanations, you should still report what you think might be criminal activity.

If you hear unusual noises such as gunshots, screaming or fighting, reported the disturbance immediately.

When you report suspicious activity, do your best to describe what happened, where and when it happened, and if anyone was injured.

If a vehicle is involved, a description of the vehicle and, if possible, the license number, should be included.

It’s also helpful to report how many people were in the vehicle and if they were male or female.

If you saw the vehicle leave the scene, noting the direction of travel would be helpful.

When reporting a suspicious person, describe the clothing worn and any unusual characteristics such as glasses, beard, jewelry, scars or tattoos.

Again, if the person has left the scene, report the direction of travel and mode of transportation if you have that information.

Quick action by a reporting citizen often helps save a life or stop a crime.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Making your car fit you means safer driving

Wed, 14 Apr 2010 17:43:02 GMT

By Betty Berry, Tuesday, April 13, 2010 Q: I recently heard about a program called CarFit. Could you tell me something about this program and if it is available in Ventura County?

A: CarFit is an educational program created by the American Society on Aging in collaboration with the American Automobile Association, AARP and American Occupational Therapy Association.

The program has a 12-point checklist designed to help drivers find out how well they “fit” their automobile and offers suggestions for improvement. For example, learning how to properly adjust the car’s mirrors can minimize blind spots, and good foot positioning on the gas and brake pedals can prevent fatigue and slower reaction times. Previous programs found that 37 percent of participants had at least one critical safety issue: One in 10 were seated too close to the steering wheel, and approximately 20 percent did not have a line of sight at least three inches over the steering wheel.

A CarFit program is scheduled from 8:30 a.m. to noon Saturday at the Goebel Senior Adult Center’s parking lot, 1385 E. Janss Road. Appointments are required; call 381-2744. A few openings are still available, so don’t miss this chance to determine what adjustments you might need to make.

Q: My husband always took care of our home repairs, but I’m alone now and have taken on that responsibility. I hear about scams in home repair. How can I avoid becoming a victim?

A: Now that spring is here, many homeowners are thinking of various tasks around the house and yard. Homeowners need to be on the alert when contracting for any type of home repair. In most day-to-day dealings the vast majority of contractors do an honest job.

Others, however, are rip-off artists. Many times these scammers will come to your front door unsolicited to offer their services. Since they have not been inside your home, the solicitors will likely offer to repair something they can see, such as your roof, driveway or yard. They might tell you they are working in the neighborhood and have either noticed a need for repair or have materials left over and can offer you a “bargain.”

Either of these statements should be a red flag. If the scam is roof repair and you let the work take place, they might find more serious problems as they progress. That bargain could become a financial nightmare. Plus, the materials are usually inferior. Door-to-door solicitation is not the way to select a contractor.

Happenings

n Today: “Long-Term Care Insurance, Do I Need It?” seminar, 1:30 to 3 p.m. at Westlake Village Civic Center, 31200 E. Oak Crest Drive.

n April 21: “Do You Understand Your Medicare Coverage — Is It Working for You?” workshop, 12:30 to 2 p.m. at Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks.

For reservations, call 381-2744.

— Betty Berry is a senior advocate for Senior Concernsat the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks. Call 495-6250 or e-mail betty@seniorconcerns.org.

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Seminar to focus on seniors and their driving abilities

Wed, 31 Mar 2010 15:09:21 GMT

By Betty Berry, Wednesday, March 31, 2010 Q: Since driving is so important in our part of the world, my friends and I are concerned about driving safely and keeping our licenses as we age. Do you know of any seminars that address this subject?

A: You and most seniors are very concerned about keeping the privilege to drive. The secret to keeping that privilege is understanding how the aging process affects our ability to drive, knowing the rules of the road and taking the responsibility of knowing when to give up our keys.

The next presentation in Senior Concerns’ Solving the Aging Puzzle Series is the answer to your request.

“Age Well — Drive Well” is scheduled from 7 to 8:30 p.m. April 13 at Senior Concerns Day Care Center, 401 Hodencamp Road, Thousand Oaks.

Ann Love, senior driving ombudsman with the Department of Motor Vehicles, will address issues that seniors, as responsible drivers, should take into consideration not only at renewal time but in their everyday driving.

For example, seniors must recognize the physical and mental changes that occur as they age and learn how to make adjustments.

Seniors should be honest about assessing their driving ability, and last but not least, acknowledge when it is time to stop driving.

As with all Senior Concerns educational presentations, there will be time at the end of the evening for questions and answers.

Reservations are suggested and can be made by calling 497-0189. However, if you forget to make a reservation, walk-ins are always welcome.

If you need respite care for a special-needs senior so you can attend the seminar, you can make arrangements for that care at the center when making your reservation.

Reservations for respite care are required.

Q: I noticed at the end of your column that you provide information on how to contact you. Following your e-mail address you ask that the sender’s telephone number be included. Why is that?

A: Most questions are complex and can’t be answered with a general response. With a telephone number I can call to ask additional questions to help the reader with his or her individual situation. This eliminates the need to e-mail back and forth and allows a timely response.

Q: I just discovered an IRA that I opened years ago in another state. I would like to change the beneficiary and wonder if it is difficult to do?

A: No, it is not difficult. You will need to obtain a Designation of Beneficiary Form from the trustee holding the IRA, then complete and return it.

Make sure to name both a primary and contingent beneficiary. If you have multiple beneficiaries, make sure that each beneficiary’s share is clearly defined with a fraction or percentage amount, or with the word “equally” if that is appropriate.

Keep a copy of your IRA beneficiary designations with other important papers and let your family know how to locate them if needed.

Happenings

The Solving the Aging Puzzle Series for 2009-10 will conclude May 11 with a seminar titled “Rewired, Not Retired.

The committee responsible for developing this educational program is already planning the 2010-11 series. If you would like them to address a particular subject, let Senior Concerns know.

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Senior Advocate: Bargains at boutique help pay for projects for seniors

Fri, 12 Mar 2010 18:06:01 GMT

By Betty Berry, Tuesday, March 9, 2010 Q: Some time ago you mentioned Senior Concerns Thrift Shop in an article and my friend gave me the address — but I lost it. Could you provide the address again and perhaps tell me a little about the shop and any special events they might be planning?

A: I am so glad your friend told you about Senior Concerns Bargain Boutique. Everyone who has ever entered the shop has had wonderful things to say about the merchandise.

First, the shop is at 80 E. Hillcrest Drive, Thousand Oaks, across the street from Office Depot. The hours are 9:30 a.m. to 4:30 p.m. Monday through Friday and 10 a.m. to 4 p.m. on Saturday.

This month there are two special events in progress. The first event is a storewide sale — 60 percent discount on all jewelry and 40 percent discount on everything else in the store.

The shop is unlike any boutique of its kind. You will find it beautifully merchandised and always clean. The merchandise is new or very gently used.

There is an incredible variety of merchandise in the store at any given time, and donations are received daily so the inventory constantly changes.

You will find crystal, china, fine collectibles, decorative items, jewelry, accessories, shoes, lingerie, toys, linens, household items, antiques, perfume, art work, books and clothes. You might even find that hidden treasure that you have been searching for.

The second event invites you to take part in “Senior Concerns Gold Rush Days.” Through March 22 you can be part of the gold rush by donating your mismatched, broken or unwanted gold jewelry. A national buyer and refiner of precious metals will pay Senior Concerns top dollar for the gold.

It is a win-win situation. You will receive a Gold Rush Certificate good for 25 percent discount on any one item in the shop, and the proceeds from your gold will help fund vital programs and services provided to seniors.

Donations can be dropped off at Senior Concerns Bargain Boutique or at Senior Concerns Adult Care Center at 401 Hodencamp Road, Thousand Oaks.

Another note of interest about the boutique is that it is volunteer power that makes it work so well, and new volunteers are always needed and welcome.

If you or someone you know is looking for a way to get involved, perhaps this is an opportunity for you to make a difference in the lives of others. Volunteer hours are flexible — the shop can accommodate an individual’s busy schedule.

For more information about volunteering, call 373-0504 and ask for Rosemary.

All proceeds from the boutique go toward supporting Senior Concerns programs, which include the Adult Day Care Center, Meals on Wheels, Senior Advocate Services, Family Support Services, Support Groups for Caregivers and FAST.

Happenings

Today: 1:30-3 p.m. Seminar “Clutter, Clutter Everywhere” at Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village.

March 19: 12:30-2 p.m. Seminar “Prescription Drugs Interaction with Herbal Medicine” at Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks; for reservations call 381-2744 or 800-600-4182.

March 19: 2 to 3 p.m. and March 25 11 a.m. to noon: Seminar “Activities to Engage People with Dementia” at Alzheimer’s Association Regional Office, 80 N. Wood Road, Camarillo; for information call 484-6028.

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Senior Advocate: Hospice care is covered by Medicare Part A

Fri, 12 Mar 2010 18:01:16 GMT

By Betty Berry, Tuesday, March 2, 2010 Q: I’ve read that one of the benefits under Medicare coverage is hospice care. Can you explain exactly what hospice care is and does that replace regular Medicare benefits?

A: Hospice is a type of care for the terminally ill.

The focus of hospice care is comfort and pain relief rather than treatment of the disease itself.

Those qualifying for hospice care can obtain medical and support services including nursing care, medical social services, doctor services, counseling and homemaker services.

Medical equipment such as wheelchairs, walkers, hospital beds and medical supplies including bandages and catheters are included as well as drugs for symptom control and pain relief.

Depending on the patient’s condition, hospice care can be provided in a hospice facility, hospital, nursing home or in the comfort of the patient’s own home surrounded by the family.

For a hospice patient there is a team of people who help provide the needed care.

The patient’s physician and the hospice provider set up a plan of care that meets the patient’s needs.

A team of people including the patient’s family, personal physician, nurses, social workers, clergy and trained volunteers share responsibility to make the plan work.

Hospice care is covered by Medicare Part A.

To be eligible for hospice benefits the patient must be enrolled in Medicare Part A, and his or her doctor and the director of the hospice team must certify that the patient is terminally ill and probably has less than six months to live.

The patient must sign a statement choosing hospice care instead of regular Medicare covered benefits for the terminal illness, and the care must be provided by a Medicare-approved hospice provider.

With the exception of a $5 co-payment for each prescription drug required for pain relief or symptom control, Medicare will pay for the hospice care, however, Medicare does not cover the cost of room and board when the patient receives hospice care at a facility such as an assisted care or skilled nursing facility.

Hospice care only covers the costs associated with the terminal illness. For other medical claims the patient continues to be covered by the regular Medicare plan he or she has, original Medicare or a Senior Advantage Plan.

For those claims not related to the terminal illness the patient is responsible for the normal deductibles, co-insurance or co-payments.

Hospice care is approved in periods of care.

A hospice patient can receive hospice care for two 90-day periods that can be followed by an unlimited number of 60-day periods.

At the start of each period of care the patient must be re-certified that he or she remains terminally ill. A period of care starts the day hospice service begins and continues until the 90 or 60-day period elapses.

A patient can continue to receive hospice care as long as his or her doctor certifies that he or she remains terminally ill and probably has less than six months to live.

If the patient’s health improves or the illness goes into remission the patient will no longer be eligible for hospice benefits.

At that point, healthcare coverage will be received through regular Medicare benefits. A hospice patient always has the right to refuse hospice care at any time and return to regular healthcare coverage.

Happenings:

Tuesday: Seminar, “Listen How We Hear,” Senior Concerns Day Care Center, 401 Hodencamp Road, Thousand Oaks; 7 to 8:30 p.m. For reservations, call 497-0189.

March 10: Seminar, “Clutter, Clutter Everywhere,” Westlake Village Civic Center, 31200 E. Oak Crest Drive, Westlake Village; 1:30 to 3 p.m. Facilitated by the Senior Advocate. For information, call 495-6250.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Checks can be converted into an electronic payments

Wed, 17 Feb 2010 22:13:15 GMT

By Betty Berry, Tuesday, February 16, 2010 Q: I recently made a purchase and paid for it with a check. When I received my bank statement, it showed that check to be an electronic check conversion. Can you explain?

A: What you experienced was a process where your check was used as a source of information — but the check itself was not considered as the method of payment. That information was then used to make a one-time electronic payment from your account.

When you provide your check, you must be given notice that the information from your check will be used to make an electronic payment from your account.

This notification likely is provided by a sign posted at the cash register. In a few instances it may be given in a written notice that you could be asked to sign.

You may also encounter an electronic check conversion when you mail a check to pay a bill. The billing statement from the company includes information telling you that your check will be used to make an electronic payment from your account.

There are some differences between electronic check conversions and using a check as payment. The electronic transaction will be processed faster than a check will clear the bank. This makes it necessary that you have enough money in your account to cover the purchase.

You also have different consumer rights. You have the right to receive notice explaining how the information from your check will be used and the right to notice about any fee the merchant will collect electronically if there is not enough money to cover the transaction. This is similar to a "bounced check" fee.

You have the right to receive a receipt when making a purchase from a store. The receipt should include date, amount, location and name of the merchant. You also have the right to have this same information included as part of your account statement from your financial institution.

You have the right to ask the financial institution to investigate electronic fund transfers that are unauthorized or incorrect.

Before you leave the store, make sure that you received a receipt and that it matches the purchase you just made.

When you receive your account statement, make sure the charges on the statement match your records. If you discover a problem, contact your financial institution right away.

Q: In one of your columns, you provided contact information for the ElderCare Locator. I've misplaced it; could you provide it again?

A: The ElderCare Locator is a nationwide directory assistance service designed to help seniors and their caregivers find needed support resources.

The ElderCare Locator is available Monday through Friday, from 6 a.m. to 5 p.m. Pacific time. The toll-free number is 800-677-1116.

Be prepared to provide the city and county or the ZIP code for the senior you are assisting. Also, give a brief description of the problem you are trying to resolve.

Happenings

Feb. 25: Panel presentation on "Financial Safety in the Golden Years": 9 a.m. to noon, Brookdale — The Lexington, 5440 Ralston St., Ventura. Call 644-6710 for reservations.

Feb. 27: Presentation on "Aid and Attendance Benefit for Wartime Veterans": 2:30 p.m., Royal Gardens of Camarillo, 903 Carmen Drive. Call 484-2777 for reservations.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org. You are invited to submit questions on senior issues.

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Senior Advocate: Credit cards can be blessing or disaster, so spend wisely

Wed, 10 Feb 2010 21:18:41 GMT

By Betty Berry, Monday, February 8, 2010 Q: I have a friend who is really in debt because of her credit cards. I’ve tried to talk to her about the problem, but my words seem to fall on deaf ears. I think if she read about credit card debt in your column, she might realize the trouble she is in. Will you help?

A: You have brought up a very serious problem that is being experienced by many, including seniors.

I’m sure most of us have known of those who have used their credit cards to extremes.

Having a credit card can certainly be a convenience and, in the case of an emergency, a blessing. But having a card can also be a trap resulting in overspending.

When we use a credit card, we have a responsibility to ourselves to use it with restraint and to the credit card company to have the ability to pay the bill.

We should remember that using a credit card is nothing more than obtaining a short-term loan. So before zipping out our credit card to make a purchase, we should ask ourselves the question, “Would I really take out a loan to make this purchase?”

When using credit, try to keep purchases within income limits so the bill can be paid in full each month.

Trouble begins when the bill is not paid in full each month and interest charges are applied. These charges accumulate quickly, making it even more difficult to pay the bill the next month.

Then if payments are late or missed completely, additional penalties make a bad situation worse.

If it is difficult to pay the entire balance each month, consider canceling the account or at least putting the card away until spending and debt are under control.

Restrict the number of cards you have and don’t be hooked into accepting new cards because there is a free gift or discount on a purchase offered.

Don’t be tempted to obtain a new card because of a very low interest rate.

Often this is a come-on and after several months, that introductory rate is replaced by a much higher rate.

It is most important to understand the rules that apply to your card. Know what the interest rate is and determine if that rate applies to previous balances only or if it is also applied to current purchases.

Be aware of when your payment is due and if there is a grace period.

Review any enclosures that accompany your bill, as these enclosures often contain important information about changes to your grace period and interest rates.

If you have a card you aren’t currently using, make sure you are not being charged an annual fee for non-use.

Review your billing statement carefully to make sure you understand everything that is included.

Keep track of unpaid amounts and past due notices.

If you stop hearing from these creditors, it doesn’t mean the debt has been forgotten.

More likely, it is being turned over to a collection agency and will be reflected on your credit report.

Having good credit is the responsibility of each of us to establish and maintain.

Happenings

Feb. 19: Evening To Remember Winter Senior Ball: 6 to 8 p.m., Cypress Place Senior Living, 1200-1220 Cypress Point Lane, Ventura. Dress to impress, dance to live music, gourmet appetizers and champagne. Admission is free. RSVP to 650-8000.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org. You are invited to submit questions on senior issues.

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Senior Advocate: Internet has lots of information, but it's not all reliable

Wed, 03 Feb 2010 16:20:00 GMT

By Betty Berry, Monday, February 1, 2010 Q: I am a senior who has just become computer literate. I am enjoying my newfound hobby of visiting the Internet and have viewed a number of Web sites offering health information. How can I determine if the information provided is reliable?

A: First, let me congratulate you on becoming computer literate. It is the way of the future, and seniors should take every opportunity available to keep up with technology.

Seniors who don't learn how to use a computer will find themselves isolated from current methods of communication and ways of doing business.

According to the Center for Medicare Education, an estimated 100 million-plus Americans sought healthcare information on the Internet in the past year. That number is expected to rise as more Web sites are established and the number of Americans increases.

However, since the Internet allows anyone to set up a Web site, you will find unreliable and biased information along with reliable and unbiased information.

Checking the quality and reliability of information on the Internet is not much different from checking other resources. You need to look for accuracy, authority, objectivity, timeliness and coverage.

To check for accuracy, look at the document itself. Does it look professional? Is it well constructed? Does it contain good grammar and correct spelling? References should be cited, and an author or editor should be named.

If the document refers to a study, can that study be verified through other sources?

Is the author of the information an authority on the subject being addressed? If the article is sponsored by an organization or individual, is the sponsor unbiased? Or does the sponsor have something to gain?

To evaluate objectivity, determine the reason for the Web site. While everyone has a right to an opinion, is the information provided primarily to sway your opinion? If advertising is included, is it separate from the data being provided?

The timeliness of the information is key. If the information is outdated, it is probably useless and could cause more harm than good. Is the information clearly dated? Can that date be verified? If the information refers to a study, is it the most current study?

Determining the scope of coverage might be difficult if information is condensed or in a different format from the printed reports. Look for references to other sites so you can gather additional information.

Although it is wonderful that you have the ability to research online, don't forget the printed word. Many magazines and newspapers are excellent resources for reliable information.

Also, nonprofit organizations often sponsor seminars on health subjects as well as other subjects of interest to seniors and their families.

Being well informed is the most important part of being a savvy consumer.

Presentations by nonbiased organizations are scheduled throughout the year on a number of subjects. Try to attend one or more of these presentations. I think that you will learn a lot.

For more information about dates and times of these informational presentations, keep an eye on this column or call the Health Insurance Counseling and Advocacy Program (HICAP) at 477-7310 or the Senior Advocates Office at 495-6250.

Happenings

Today: Seminar titled "Time Is A Terrible Thing To Waste," 1:30 to 3 p.m., Westlake Village Civic Center, 31200 E. Oak Crest Drive. Facilitated by the Senior Advocate.

Tuesday: Seminar on "Health & Fitness Tips," 7 to 8:30 p.m. Senior Concerns Day Care Center, 401 Hodencamp Road, Thousand Oaks. For reservations, call 497-0189.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road, Thousand Oaks, CA 91362; phone 495-6250 or e-mail betty@seniorconcerns.org (please include your telephone number). You are invited to submit questions on senior issues.

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Senior Advocate: Speaker will offer tips to reach 100 living independently

Wed, 27 Jan 2010 19:31:00 GMT

By Betty Berry, Monday, January 25, 2010 Q: Each year in January, I promise myself to live a healthier life, and this year is no different. But I need some stimulation to get me going. Is there any event on the calendar to give me a push?

A: You and many others start the new year out with this promise to yourselves, and it is not a bad idea. Yes, there are several events on the calendar that would possibly give you that extra push you think you need.

Senior Concerns' next presentation in its Solving the Aging Puzzle series for 2009-10 is "Health and Fitness Tips for Longevity." It is scheduled from 7 to 8:30 p.m. Feb. 9 at Senior Concerns Day Care Center, 401 Hodencamp Road, Thousand Oaks.

Dr. Douglas Markham, wellness adviser and national health and fitness authority, will be the facilitator. He will speak about achieving "Generation C" — making it to 100 and living independently.

The presentation will include information on how healthy eating and exercise can help prevent, reduce or eliminate the need for prescription drugs. You also will hear about forms of exercise that promote relief for arthritis sufferers and learn the importance of enhancing active brain function through memory techniques and exercise.

Following the presentation, there will be ample time for discussion, questions and answers.

Reservations are suggested and can be made by calling Senior Concerns at 497-0189. If you forget to make reservations, walk-ins are always welcome.

If you need respite care for a special-needs senior so you can attend the seminar, you can arrange for the care at the center when making your reservation. Reservations for respite care are required.

There are no fees for the discussions; however, a suggested donation of $5 would help to cover the cost of the event.

Another event that might be of interest to you is the Conejo/Las Virgenes Future Foundation's sixth annual Senior Congress Forum, "Thanks for the Memory, Part 2: Recognizing, Diagnosing and Managing Its Loss."

This event is scheduled from 9 a.m. to 2:30 p.m. Feb. 3 at Maximilian Kolbe Catholic Church, 5801 Kanan Road, Westlake Village.

Admission is free, and reservations are required, by calling 818-880-1054. Deadline for reservations is today.

Both of the events will provide a lot of good information on keeping both your body and brain in good working condition.

Q: My neighbor just told me she has been attending seminars at the Westlake Village Civic Center that address issues of interest to seniors. Can you tell me about these seminars?

A: Your neighbor is right on the mark. Senior Concerns, in cooperation with the city of Westlake Village, presents a monthly seminar at the Westlake Village Civic Center complex.

The series, called Senior Issues and facilitated by the Senior Concerns Advocate, normally is scheduled the second Wednesday of the month, from 1:30 to 3 p.m.; however, the next scheduled seminar will be on the first Wednesday — Feb. 3; it is one week earlier than usual because of other commitments.

This seminar, "Time Is A Terrible Thing To Waste," is the second of a three-part miniseries titled "Let's Take Better Control of Our Money — Time — Space."

It provides an opportunity to look at how we are using or not using our time. Discover that making some small changes could open opportunities that will allow more time to do the things that are more meaningful to us.

Why not plan to attend and see what you can learn as well as what you can offer to the group?

For more information about the series or this seminar call the Advocates Office at 495-6250.

Happenings

Today: Health & Wealth Senior Expo: 11 a.m. to 1:30 p.m. at Cypress Place Senior Living, 1200 Cypress Point Lane, Ventura. Free blood pressure and cholesterol screenings, vision and hearing exams will be available and a healthy gourmet lunch.

— Betty Berry is a senior advocate for Senior Concerns. The advocates are at the Goebel Senior Adult Center, 1385 E. Janss Road in Thousand Oaks, CA 91362; or call 495-6250 or e-mail betty@seniorconcerns.org. You are invited to submit questions on senior issues.

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Senior Advocate: Get papers in order for estate to be divided as intended

Wed, 20 Jan 2010 16:29:00 GMT

By: Betty Berry, Monday, January 18, 2010 Q: My friend and I are trying to get our legal papers in order and are having a disagreement on what paper or papers take precedence over others. She said that a will is the final word while I was always told that other ways of leaving money such as naming a beneficiary would be the form that would be followed.

Can you shed some light?

A: First, congratulations to both of you for putting your legal papers in order. It is so important to have these issues set in print so your assets, when you are gone, go to the person or persons you want to have them.

It is also very important to know which legal form takes precedence; if you don’t, you may end up leaving a particular asset or assets to an unintended person or persons.

To make sure I understood some of the methods of leaving assets, I spent some time with an expert in the field and found the following:

Beneficiaries you designate on life insurance policies, investment accounts such as 40l(k)s and IRAs, and U.S. Savings Bonds will take precedence over those you name in your will.

If you fail to designate a beneficiary or name your estate as the beneficiary of your IRA or life insurance policy, the assets involved will be subject to probate, which is a time-consuming and an expensive legal process.

Naming your trust as the beneficiary of your retirement accounts can be a problem when there are significant differences in the ages of your heirs. If a tax-advantaged retirement plan’s designated beneficiary is your trust, it will affect the method that withdrawals may be made by your heirs.

A transfer or payable-on-death designation is another method of leaving assets. You will find this method is commonly used for investments and bank accounts; it is comparable to joint ownership except that with a transfer or payable-on-death designation, the beneficiary has no control until the owner dies.

Joint ownership is another way to pass on assets, but it does have drawbacks in that the person named as the joint tenant has ownership rights and there is risk if the joint tenant is sued.

Once papers are in place, don’t forget to update beneficiary designations if you divorce, remarry or are widowed.

It is so easy to forget to update these important papers when family status changes. Even if family status doesn’t change, your legal papers should be reviewed every few years to make sure they will do what you intended them to do.

There are many ways to name your heirs, and every family is unique. When doing your estate planning, it is advisable to work with an estate planning attorney to get it right because when the time comes to execute those papers, you won’t be around to say how it should be done.

Q: I just discovered an IRA that I started years ago in another state and forgot about. It is a small amount, but I would like to change the beneficiary. Is this difficult to do?

A: Well what a wonderful surprise to find a lost asset. No, it is not difficult to change a beneficiary. You will need to obtain a Designation of Beneficiary form from the trustee holding your IRA, complete it and return it.

It is suggested that IRA and insurance beneficiaries be checked along with other legal papers on an annual basis to make sure they reflect your current wishes.

Make sure to name both a primary and contingent beneficiary for each IRA and insurance policy you own.

If you name multiple beneficiaries, be sure each beneficiary’s share is clearly defined with a fraction or percentage amount or with the word “equally” if that is appropriate.

Verify that the records on file with your IRA trustee or insurance company agree with your choices. Keep a copy of your beneficiary designations with other important papers and let your family know how to locate them if needed.

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Senior Advocate: Social Security overpayment decisions can be appealed

Fri, 15 Jan 2010 17:14:00 GMT

By Betty Berry, Tuesday, January 12, 2010 Q: I received a letter from Social Security informing me that I have been overpaid and must repay Social Security. I don’t understand how this could have happened and don’t think I have been overpaid. I don’t know how to respond to this problem. Can you help?

A: Overpayment can occur in either Social Security or Supplemental Security Income (SSI) and may be caused by a number of situations.

There could have been a miscalculation in determining the benefit amount or a duplicate check issued. In other cases, resources, income or earnings may be higher than the allowable limits or the beneficiary’s living arrangements may have changed....

Senior Advocate: Medicare changes for new year

Mon, 11 Jan 2010 15:51:00 GMT

By Betty Berry, Tuesday, January 5, 2010 Q: Each year there are changes in Medicare deductibles and co-insurance. As these changes are announced, I read or hear about them in bits and pieces. Could you recap these changes for 2010 so that I have them all in one place?

A: I would be glad to. The following changes became effective Jan. 1:

- This year there was no cost-of-living increase; therefore, your Social Security checks will remain at the same amount they were last year.

- In 2010, the monthly premium for Medicare Part B (medical coverage) will again be based on your adjusted gross income. This will be determined via your 2008 income tax return. The basic monthly premium that is deducted from your Social Security check for those single individuals earning $85,000 or less and for married couples earning $170,000 or less will remain at $96.40....

Senior Advocate: Four seminars of interest to Ventura County seniors planned in January

Wed, 30 Dec 2009 23:49:00 GMT

By Betty Berry, Tuesday, December 29, 2009 Q: With the busy holiday season almost behind us and a new year approaching, I am wondering if there are any seminars or workshops scheduled in January.

A: For a number of years, January has not had a lot of activity in the seminar-workshop area. However, from where I sit it looks like 2010 will be different.

I can tell you about four events scheduled for the first half of January. Each addresses a subject of interest to a particular group of people, so I am sure you will find at least one of them of interest to you.

Senior Concerns and Coast Caregiver Resource Center, a program of Cottage Rehabilitation Hospital, are co-sponsoring a seminar, “Coping Strategies for Family Caregivers.” It is scheduled for Jan. 12, from 4 to 5:30 p.m., at Senior Concerns Day Care Center, at 401 Hodencamp Road in Thousand Oaks.....

Senior Advocate: Seminars offered for seniors who must take driving tests

Wed, 23 Dec 2009 18:05:00 GMT

By Betty Berry, Tuesday, December 22, 2009 Q: A while back, my neighbor attended a seminar providing information about how to study for the DMV written test. I now find that for the first time in many years I will be required to take the written test in order to renew my driver’s license.

I sure could use a little help in preparing. Do you know if that seminar will be given again and, if so, where and when?

A: Many seniors are as surprised as you are to receive a notice that a test is required in order to renew their driver’s license.....

Suggestions on selecting a residential-care facility

Wed, 09 Dec 2009 21:37:00 GMT

By Betty Berry, Wednesday, December 9, 2009 Q: I am a caregiver for a family member and currently doing OK, but I know in the future I will need to seek placement. What should I look for in selecting a facility?

A: You are to be commended for looking into placement well in advance of when you are actually going to need this type of care.

Since you didn’t mention what type of care your family member may need, let me start with some simple explanations describing the types of facilities you might be considering.

A residential-care facility for the elderly, also referred to as a board-and-care or an assisted-living facility, is a home for those who can no longer live safely on their own but do not require any type of skilled nursing care. To accommodate patients with special needs, many of these facilities have obtained special waivers that allow them to provide dementia and end-of-life care....

Senior Advocate: Legally blind friend offers insights to help others understand

Tue, 08 Dec 2009 00:30:00 GMT

By Betty Berry, Monday, November 30, 2009 Q: I have a friend who is legally blind and I’m at a loss as to how to act around him or what sort of help to offer or what to say. Any suggestions?

A: I too have a friend who is legally blind and I asked her for help in answering your questions. This is her response:

“People’s concept of blindness has become quite an issue in my life. The most annoying comment I’m faced with is, ‘ but you don’t look blind.’

“That makes me ask: ‘What does blind look like? Is it wearing dark glasses, carrying a cane or perhaps stumbling around?’

“The answer is it could be all of, some of or none of the above....

Senior Advocate: Seminar will cover basics of reverse mortgages

Tue, 08 Dec 2009 00:26:00 GMT

By Betty Berry, Tuesday, November 24, 2009 Q: Due to several unexpected events, my parents are finding their income is not sufficient. They have been hearing from friends that they should look into a reverse mortgage.

Before they take any steps in that direction, I would like to learn more about the process and pros as well as cons. Do you know where I can receive unbiased information?

A: Your parents, like many seniors, find themselves in a situation where they are “cash-poor but land-rich.” For those seniors who own their homes, a reverse mortgage is one of several options they can consider to supplement their income....

Senior Advocate: Decrease your chances of being a victim of burglary

Tue, 08 Dec 2009 00:24:00 GMT

By Betty Berry, Wednesday, November 4, 2009 Q: Do I imagine it or are there more burglaries? It seems that is all you read about in the paper or see on TV news. As a senior living alone, I wonder what I can do to make my home safer?

A: This is a good time of year to ask this question and review safety measures, since the holiday season is a time when some crimes seem to increase.

I did some research on your questions and was surprised to learn how many people are lax about their safety. I was told that more than one-third of residential burglaries are not truly break-ins; the home is simply entered through an unlocked window or door....

Senior Advocate: Memory screening tests, Alzheimer's talks slated

Tue, 08 Dec 2009 00:23:00 GMT

Betty Berry, Wednesday, October 28, 2009 Q: Is there any type of testing that might provide information about potential risk for memory loss? Who should be screened?

A: Your questions are very timely.

Every year the Alzheimer's Foundation of America selects a day in November as National Memory Screening Day, when sites nationwide offer free confidential memory screenings and educational materials. This year, Senior Concerns will hold its "Memory Screening Day" seminar from 9 a.m. to 2 p.m. Nov. 14. The event will be at the Senior Concerns Adult Day Care Center, 401 Hodencamp Road, Thousand Oaks....