A Special Supplement To The Delphos Herald September 2011

Senior Lifestyles
2 The Delphos Herald Senior Lifestyles September 2011
By Ron Pollack,
executive director,
Families USA
If you have Medicare, you know
that as soon as the leaves start falling
from the trees, your mailbox will fill up
with information about your Medicare
choices for 2012. And, as tempting as
it is to ignore it all, you really should
take the time to review your current
Medicare coverage to see if it will be
different next year and whether you
want to switch plans.
Theres one big change this year that
affects most people with Medicare. Its
not a change in coverage, but a change
in timing. This year, the annual enroll-
ment period for Medicare Advantage
and Medicare prescription drug plans
starts and ends earlier. It begins October
15 and ends December 7 for changes
that take effect January 1, 2012. This is
actually a longer period of time to make
a decision (more than seven weeks,
instead of the six weeks in past years).
But it means that, unlike past years, you
cant wait until the very end of the year
to decide about your coverage for next
year.
The new enrollment period is part
of the Affordable Care Act (the health
reform law). The longer enrollment
period gives people more time to make
decisions. And making it earlier means
that people wont be changing Medicare
plans around the Christmas holidays,
when its hard to get help and paper-
work can be delayed. But it means that
those with Medicare, and those who
help loved ones with Medicare, need
to be on their toes this year to make
sure they meet the earlier deadline of
Dec. 7.
So, what should you do during the
upcoming enrollment period? First, you
should review the coverage you have
now. If you have a Part D prescription
drug plan or Medicare Advantage plan,
you should get a letter from your plan
(your Annual Notice of Change) by
the end of September. Dont ignore it!
That letter will tell you how your plan
will be changing next year. Check to see
what will happen with your premiums
and copayments. Find out if coverage
of particular drugs or services is chang-
ing.
Then take some time to look at your
other options. Maybe you can find a dif-
ferent drug or Medicare Advantage plan
thats cheaper or better fits your needs.
Or, maybe the plan you have now is the
best one for you.
Here are a few tips:
If you have original Medicare and a
supplemental plan (sometimes called
Medigap), and you like your cover-
age, you dont need to change. Be
very careful if you do decide to drop
your Medigap plan-you may not be
able to get it back later. Each state
has its own rules about purchasing
Medigap plans.
Dont fall for any high-pressure sales.
Everyone with Medicare has the same
enrollment period: Oct. 15 to Dec. 7.
There are no limited-time offers.
Dont make any changes in your cov-
erage until you fully understand the
consequences.
Dont be shy-do your research, ask
questions, and get help if you want
it. The Medicare.gov website lists all
the plans in your area. You can call
1-800-MEDICARE for general infor-
mation and to enroll in a plan. You
can also ask for a referral to your local
State Health Insurance Assistance
Program, or SHIP. Theres one in
every state, and they provide free
counseling and advice to everyone
with Medicare.
If you or someone you know has
limited income and resources, there
are programs that can help with your
costs. Talk to your local SHIP or go to
the Social Security website: www.ssa.
gov/prescriptionhelp.
If you decide to enroll in a new plan,
do it through 1-800-MEDICARE,
rather than through the plan itself.
The annual enrollment period is a
good time to take stock of your Medicare
coverage, even if youre happy with
what you have. Just remember, Dec. 7
is the last day you can make changes for
coverage starting in January 2012.
Big change for Medicare enrollment: early deadline
ARA Eighty percent of women
dont get enough calcium from food
alone, according to a recent study con-
ducted by the National Health and
Nutrition Examination Survey. That
means womens bodies are stealing
calcium from their bones.
Many foods like milk and other dairy
products are well known to be prime
sources of calcium. Calcium is a crucial
nutrient that helps build and main-
tain bones, muscles and teeth. It also
keeps us moving by helping to maintain
muscle health and strength. But taking a
calcium supplement alone isnt enough.
The NIH reports that vitamin D intake
is also important because it improves
calcium absorption.
But many women are falling short of
meeting their recommended daily calci-
um allowance - between 1,000 mg and
1,200 mg. In fact, many assume that a
drop of milk in their morning cup of
coffee will provide all the calcium they
need for the day. Ladies may be sur-
prised to learn that an eight ounce glass
of skim milk only makes up 30 percent
of the calcium they need each day.
If you are not getting enough calcium
or enough exercise, your body is more
likely to steal the calcium it needs from
your bones.
Risks of not enough calcium
One of the most common risks of not
getting enough calcium is osteoporosis,
a disease characterized by low bone
mass and deterioration of bone tissue.
Osteoporosis can lead to bone fragil-
ity. Without bone-density testing, you
may not know youre suffering from
osteoporosis until you suffer a fracture
- which happens to half of all women
older than 50.
Starting young
If you think calcium is important
only when youre older, think again.
NHANES also found that 90 percent
of teenage girls arent getting enough
calcium through diet alone. Since boys
and girls between the ages of 9 and 18
years old need 1,300 mg of calcium
per day, getting a head start on healthy
habits can prove vital in providing a
strong nutritional foundation as they
get older.
Finding the right supplement
If you dont get enough calcium
through your diet, then supplements,
like Caltrate, are a good compliment to
giving your body the nutrients it needs
to help keep your bones strong and
your body moving. These days, calcium
supplements, like Caltrate, are avail-
able in tablets, soft chews and gummy
forms and most can be taken with or
without food. However, calcium alone
isnt enough. Calcium should be taken
in conjunction with vitamin D because
it helps the body absorb calcium for the
development and maintenance of bones.
It also supports mobility as it may help
improve muscle health and strength.
Caltrate helps replenish the calcium
and vitamin D3 women need each day.
To highlight that commitment, Caltrate
is partnering with Susan G. Komen for
the Cure as a national sponsor of Susan
G. Komen Race for the Cure series.
To learn more about the importance
of calcium and vitamin D in your diet,
for special offers and product informa-
tion, and to share your story about who,
or what, moves you, visit Facebook.
com/Caltrate.
There are more benefits to calcium than women might think
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September 2011 The Delphos Herald Senior Lifestyles - 3
ARA If you dont make $1 million a
year, only own one modest home and are
still driving the same car you bought six
years ago, you might think you dont need
to engage in estate planning. Or you may
think your family accountant or attorney
will be the only professional you need to
help you with this important task.
Not so on either account, says Joseph
V. Falanga, a certified public accoun-
tant, Accredited Estate Planner and current
president of the National Association of
Estate Planners & Councils (NAEPC).
Your estate is much more than just
the amount of cash youll leave to your
loved ones, Falanga says. Estate plan-
ning ensures your investments, retirement
savings, insurance policies, real estate,
business interests and cash will all be han-
dled according to your wishes when youre
gone. Just as you would seek out a special-
ist for a specific health need, you should
look for professionals whose education and
experience are specialized to the needs of
people planning their estates.
What is estate planning?
Estate planning means making decisions
about how all your assets - from your home
to your checking account - will be handled
in the event of your death. Once youve
made those decisions, estate planning also
helps you establish procedures for making
sure your wishes are carried out correctly
and efficiently.
Youre probably already doing some
estate planning on your own without even
realizing it. For example, naming a benefi-
ciary for your life insurance or IRA is part
of estate planning, as is drawing up a will.
What is an estate planner?
Thousands of professionals, from cer-
tified public accountants to lawyers, are
involved in estate planning every day.
When planning your estate, its likely
youll actually need more than one profes-
sional to handle different aspects of the
process. In fact, says Falanga, the NAEPC
advocates a team approach.
Its important to realize that no one
individual is the end-all and be-all of
estate planning, Falanga says. A multi-
disciplinary team approach, one that incor-
porates the services of a group of qualified
individuals, is most effective. Accredited
Estate Planners may be accountants, attor-
neys, insurance or financial planners and
trust officers with different areas of exper-
tise, but all have earned the certification by
adhering to strict educational and experi-
ence guidelines.
Do I really need to plan for my
estate?
Yes. If you have anything that your heirs
will inherit, you need to plan for how it will
be managed and distributed. Thats true no
matter how great or small your net worth,
whether you have one child or seven.
Failing to plan for your estate opens up
the possibility of:
The courts appointing a guardian for your
dependent children.
The courts deciding how your money will
be managed and distributed.
Your heirs paying more taxes (income
and estate) than necessary on their inheri-
tance.
Court costs, legal and other professional
fees in probate or guardianship proceed-
ings could whittle away your estate,
leaving your heirs with less than you
intended.
The size of your estate will influence
how involved the estate planning process
is for you.
When should I do it?
Estate planning should be an on-going
process conducted throughout your life-
time. Whenever you experience significant
life changes, like marriage or divorce, the
birth of a child or death of a spouse, job
change or home move, you should re-eval-
uate your estate plan to ensure it still meets
the needs of you and your family.
Dont wait until your first child is born
or youre approaching retirement to get
started. If you have assets and you care
about how they will be handled after your
death, you need to begin the estate plan-
ning process, no matter what your age or
marital status.
Whats the best way to get started?
Drawing up a will and designating a
guardian for your children are two impor-
tant steps in estate planning. So is prepar-
ing for the tax impact your bequests will
have for your heirs. Look for an Accredited
Estate Planner whose expertise lies in the
tasks you need to accomplish.
The National Association of Estate
Planners & Councils offers a locator
tool on its website, www.estateplannin-
ganswers.org, that can help you find an
Accredited Estate Planner in your area.
Designees must complete rigorous educa-
tional requirements for estate planning and
adhere to a strict code of ethics.
What you should know about estate planning
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4 The Delphos Herald Senior Lifestyles September 2011
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ARA Its no secret that guys
love their cars, but are they more
likely to always change the oil on
time than to visit the doctor for their
annual checkup?
Almost 70 percent of men find it
easier to care for their cars than for
their personal health, according to
findings from a new survey of 501
men ages 45 to 65 commissioned by
Mens Health Network and Abbott.
In addition, more than 40 percent
reported they would be more likely
to address issues with their car than
their health.
Men may bring their cars in for
service when an issue arises, and
schedule regular tune ups to ensure
that things are running smoothly, but
they might not address their health
in the same way. As a result, some
men may be ignoring the symptoms
of certain health conditions because
they are reluctant to visit the doctor,
the survey found. If men treated their
bodies the way they treat their cars,
they would schedule regular doctors
appointments in the same way that
they schedule regular tune ups.
The survey is part of T-Talk Tune-
Up, a new national campaign to raise
awareness of mens health issues.
Racing champion Terry Labonte
and national mens health expert Dr.
Harry Fisch have teamed up to lead
the campaign and encourage men to
schedule annual checkups with their
doctors.
For many men, tuning up our cars
is easier than getting checkups for our
health, says Labonte. With the help
of my wife, Kim, I began to think
about my body and my health in the
same way I think about the care of my
cars. As a result, I scheduled a doc-
tors appointment and a series of tests
to help stay on top of my health.
Dr. Fisch recommends five health
tests every man should discuss with
his doctor, including a testicular
exam, prostate exam, cholesterol test,
testosterone test and blood pressure
screening. It is important to sched-
ule annual checkups because some
men may not recognize the symp-
toms of many treatable conditions
such as low testosterone, says Fisch,
board certified urologist and clinical
professor of medicine at New York
Presbyterian Hospital/Weill Cornell
Medical College and director of the
Male Reproductive Center.
Millions of American men are esti-
mated to have low testosterone, but it
may be overlooked because the symp-
toms are subtle and similar to those
caused by other conditions. Men may
experience symptoms such as sexual
dysfunction, decreased sexual desire,
decreased muscle mass, loss of body
hair, low sperm count, decreased bone
mineral density or increased body fat
as a result of having low testoster-
one.
To learn more about the impor-
tance of mens health visit www.
TTalkTuneUp.com. The site provides
men with tips for caring for their cars
and their bodies, including a free
health maintenance guide. The guide
includes information on important
tests guys should know about and tips
to help keep their bodies running as
smoothly as their cars.
Do guys take better care of their cars or themselves?
September 2011 The Delphos Herald Senior Lifestyles - 5
Smooth Transitions

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Moving For SeniorS
Learning to live on a fixed income
Difficult financial times have forced
many people young and old to alter
their lifestyles in order to stay afloat
financially. Though unemployment
has garnered most of the headlines
as the economy has struggled the last
several years, its not just men and
women of working age who have felt
the pinch.
In a 2010 study from the University
of Michigan Law School, researchers
found that people age 65 and older
are the fastest-growing segment of
the U.S. population seeking bank-
ruptcy protection. While theres no
single culprit for the rise in bankrupt-
cy filings among seniors, the state of
Florida could offer valuable insight as
to why the nations older citizens are
increasingly filing for bankruptcy.
Many retirees call Florida home,
and in the past such retirees could
tap into their home equity whenever
they began to struggle financially.
However, like most of the country,
Floridas housing market is depressed,
making it less viable for seniors to tap
into their home equity to solve their
financial problems. In fact, accord-
ing to a study by the Administrative
Office of the U.S. Courts, bankruptcy
filings increased by 118 percent in
states where the home price index
decreased.
For many seniors fearful of finan-
cial struggles, living on a fixed income
can be a helpful way of ensuring their
future does not involve filing for
bankruptcy. Though living on a fixed
income is a definite challenge and cer-
tainly offers no guarantee that bank-
ruptcy can be avoided, it does provide
a framework seniors can rely on to
keep their heads above water during
difficult economic times.
Make an honest assessment
Living on a fixed income involves
being honest with yourself and admit-
ting what your resources truly are.
Write down any sources of income,
including Social Security payments,
pension payouts, investments, etc.
Then write down how much money
you have in savings or print out a
statement of all savings accounts.
Once you have an accurate figure of
both income and savings, write down
all your monthly expenses, including
all expenses, no matter how minute
they may seem. From here you can
determine just how much you can
spend each month.
Prioritize spending habits
Some expenses, including medi-
cations and monthly utility bills,
will always remain a top priority.
However, men and women who must
begin living on a fixed income need
to prioritize how they spend their
discretionary funds. For instance, a
membership at the local country club
can cost several thousands of dollars
per year, whereas the local public
golf course only charges players each
time they play. While the country club
might have a better course, it could
be more prudent to choose the public
course and save the cost of a private
membership instead
Find it for free
Men and women pay for many ser-
vices each month that they could very
well find for free. For example, in
addition to books, many local libraries
now allow members to check out CDs
and DVDs at no cost. The same also
goes for magazines. Instead of paying
a monthly subscription cost, visit the
local library and read the magazines
there for free. If the local library does
not have your favorite periodical, the
content could very well be available
for free online.
Expect the unexpected
One of the worst things that can
happen to a person on a fixed income
is to encounter an unexpected cost.
This can include an unforeseen hos-
pital visit, a costly auto repair or
even inflation that wasnt factored
into your initial fixed income budget.
Men and women on fixed incomes
should expect such emergencies and
save accordingly each month. Saving
money should never go out of style,
and those on fixed incomes should
still attempt to save money each
month. Coming in under budget and
making the most of it can make the
difference between capably handling
an emergency or being forced to con-
sider unattractive alternatives such as
filing for bankruptcy.
For more information on living on
a fixed income, visit the AARP at
www.aarp.org.

Delphos, OH
Ph. 419-692-6618
vancrest.com
Juanita Burke picking out a prize for winning
bingo. Lois Brinkman looks on. Residents enjoy
games, refreshments and activity time daily.
6 The Delphos Herald Senior Lifestyles September 2011
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Set up an appointment for your
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MS Many people are apprehen-
sive about getting older because of the
fear of losing their faculties. Individuals
may worry that dementia could rob
them of precious memories and make
daily living more difficult.
Many factors can contribute to the
onset of dementia, and recent research
notes those factors include heart disease,
strokes and other serious health condi-
tions that affect the circulatory system.
But other seemingly harmless condi-
tions can play a role, too. Maintaining a
healthy lifestyle could help seniors fend
off dementia.
Researchers in Canada studied data
on more than 7,000 survey partici-
pants who answered questions of over-
all health. While circulatory diseases
did correlate high to dementia onset,
researchers discovered additional con-
ditions, including arthritis, sinus infec-
tions, incontinence, and poor hearing,
also played a role.
The correlation between circulato-
ry issues and brain function may be
obvious, but researchers arent exactly
sure why minor health infractions could
contribute to senility. Some suggest
that people with the burden of health
problems may not be able to success-
fully thwart deterioration of the brain
that comes with dementias, including
Alzheimers disease.
The World Alzheimer Report states
that more than 35 million people around
the world are living with Alzheimers
disease and other types of dementia.
These are largely brain-destroying ill-
nesses that have no cure. But adults
might be able to prevent or delay its
onset. Placing a greater emphasis on
overall health may help.
According to Dr. Kenneth Rockwood,
MD, a professor of geriatric medicine
and neurology at Dalhousie University,
in Halifax, Nova Scotia, who partici-
pated in the dementia study published
in July 2011 in the journal Neurology,
the best thing people can do to stay
physically healthy and thus main-
tain their brains, too is to exercise.
Other things that can be done include
adopting a healthy, balanced diet and
keeping the brain active as
much as possible. Here are
ways to do just that.
Seniors can participate
in low-impact exercises
that promote muscle
strength and flexibility.
Water exercises are very
good because they dont
place strain on the joints.
Stretching routines, like
yoga or tai chi, are also
effective. Exercise plans
should be discussed with
a health care provider
prior to starting.
Work with a nutritionist
to develop a healthy eat-
ing plan. A healthy diet
is essential to keep many
diseases at bay, including
diabetes, obesity, heart
disease, and even to help
maintain proper diges-
tion.
Keep the brain active by engaging in
puzzles, like crosswords or sudoku.
Reading is a way to stimulate vocabu-
lary and also keep the brain sharp.
Interact with people on a daily basis
and engage in conversation.
Healthy living could help fight dementia
Maintaining overall health is one way seniors
might stave off the onset of dementias, including
Alzheimers disease.
September 2011 The Delphos Herald Senior Lifestyles - 7
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ARA Forget aging gracefully. For
todays baby boomers, its more important
than ever to stay healthy and active as they
age. While growing older causes some
unavoidable body changes, more boomers
are focusing on healthy lifestyles that can
help them prevent problems associated
with aging - like mobility issues related to
the feet and legs.
Impairment of the lower extremities is a
leading cause of activity limitation in older
people, according to the U.S. National
Center for Health Statistics (NCHS).
Foot problems are a health concern
that can lead to further complications
like knee, hip and lower-back pain, all of
which undermine mobility, says Michael
King, DPM, president of the American
Podiatric Medical Association (APMA).
The human foot has been called the mir-
ror of health. Systemic problems often
related to age, such as diabetes, arthritis,
and circulatory disease often can first be
detected in the feet.
Fortunately, boomers can do a lot to
maintain and even improve their foot
health. APMA offers this advice to keep
your feet pain free:
Keep walking
Walking offers many benefits for both
physical and mental health. If your feet
hurt, however, you may find yourself less
willing to get in the daily walking thats
good for your overall well-being. To keep
your walking regimen comfortable be
sure to:
Choose a good quality, lightweight
walking shoe with breathable upper mate-
rials like leather or nylon mesh. The heel
counter should be firm, and the shoe
heel should have less cushioning in order
to position the foots heel closer to the
ground for stability. The front of the
shoe should offer adequate support but
also be flexible. For a list of footwear
that have been awarded APMAs Seal of
Acceptance, visit www.apma.org/seal.
Shoe shop in the late afternoon, since
feet swell throughout the day, and have
both feet professionally fitted. Wear the
type of socks you intend to wear while
walking and be sure the shoe fits snugly,
but not tightly, over the sock. Your toes
should have plenty of room to move
around.
Deal with diabetes
Diabetes symptoms often appear in
the feet first, and the extremities can be
hit hard by this chronic disease. In fact,
diabetes complications lead to more than
65,000 lower limb amputations each year.
Including a podiatrist in your diabetes care
can reduce the risk of amputation up to 85
percent.
Learn to recognize warning signs that
often appear in the feet, including changes
in skin color, swelling, numbness, pain,
open sores that heal slowly, ingrown or
fungal toenails, bleeding corns and cal-
luses and dry cracks in the skin, especially
around the heels.
If you have diabetes, inspect your feet
daily for cuts, bruises, sores or changes to
the toenails. Wear thick, soft socks with-
out seams that could rub or cause blisters.
Always have new shoes properly fitted
and never go barefoot, not even in your
own home.
Manage arthritis
Arthritis can affect the structure and
function of your feet. Common symp-
toms in the feet include joint swelling,
joint pain or tenderness, redness or heat
in joints, limited movement, early morn-
ing stiffness, and skin changes, including
rashes and growths.
Podiatrists are often the first to diag-
nose a patients arthritis. Treatment can
take many forms, including physical ther-
apy, exercise, and medication. Receiving
regular check-ups are vital to successfully
managing the condition.
General foot health
In addition to shoes that fit properly,
its important to choose socks, pantyhose
or stockings that also fit well and are free
of seams.
If you have corns or calluses, never cut
them with a razor, pocket knife or other
sharp instrument. If corns or calluses are
present, consult a podiatrist and only use
over-the-counter foot products if he or she
advises it.
Bathe your feet daily in lukewarm
water with a mild soap that contains mois-
turizers, or use a separate moisturizer after
your bath. Trim or file toenails straight
across and inspect your feet every day. If
you notice redness, swelling, cracks in the
skin or sores, see your podiatrist.
Taking care of your feet can make
aging a little easier and healthier.
Foot care an important factor in healthy aging
8 The Delphos Herald Senior Lifestyles September 2011
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The standard for people entering their golden years
has long been to fb about their ages. Growing older
hasnt always been seen as a positive. But increasing
perks for seniors have made it more advantageous for
older adults to be proud of their age.
It used to be that a senior discount meant a reduced
fare on the bus or a couple of cents saved on that morn-
ing cup of coffee. However, as more of the Baby Boom-
er generation enters retirement years, businesses are ca-
tering to Boomers active lifestyles with discounts and
perks in a variety of ways.
It pays to do a little research, especially at stores
where you shop frequently, says Albert, a retail store
manager in New York. They dont often advertise their
discounts, but many stores do have a policy for senior
savings if you simply ask.
Discounts may vary by franchise or retailer, so its
important to inquire with customer service or the man-
ager about age requirements and the percentages off
purchases. Stores like Kohls offer discounts on a cer-
tain day of the week. Other businesses may have a stan-
dard percentage that they take off regardless of the day
or time the purchases are being made. Dunkin Donuts,
KB Toys, Banana Republic, and many other retailers
offer anywhere from 10 to 15 percent off on purchases.
That can add up to considerable savings, especially for
older adults living on fxed incomes.
And individuals need not be retirement age to reap
store perks. Some businesses offer discounts for cus-
tomers over the age of 62. Many others start the cutoff
at 50 to 55. The earlier Boomers fnd out about dis-
counts, the sooner they can start saving.
Stores arent the only ones offering perks to seniors,
either. Discounts may be available on airline fights and
other modes of transportation. Reduced rates on hotel
rooms, car rentals and other travel industry items are
also available.
Community services may be made possible for se-
niors as well, including low- or no-cost fnancial coun-
seling. Health companies also may have discounted
programs for seniors, including ftness clubs, prescrip-
tion programs and therapy. Anyone age 50 and up is
eligible for enrollment in AARP, which boasts its own
collection of discounts and recommended businesses.
Lets not forget senior housing, which has evolved
way beyond the retirement communities of the past. To-
days senior living facilities often boast state-of-the-art
ftness centers, theaters, pools, transportation for shop-
ping, recreational activities, and much more in addi-
tion to the steeply reduced purchase price for a home.
Retirement homes are often several thousand dollars
cheaper than an on-par house of similar size sold to a
younger buyer.
Before anyone 50 years or older pays full price when
shopping, dining out or traveling, he or she should in-
vestigate whether there are discounts in place that can
quickly add up to savings.
The upside to getting older
Seniors can receive discounts on everything from cof-
fee to plane fares. All it takes is an inquiry.