Tim Wrenn: He’Ll Drive Anything Serving Our Seniors’ Volunteer, Tim Wrenn, Stopped by the Office with His Friend, Ed “Chip” Hessler

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2 Serving Our Seniors is someone to call when you need help. 419-624-1856 800-564-1856 From the Director Starting with our cover story, you will read about people who are over-comers, high achievers and just plain “good-hearted” people who use their time meaningfully. All of whom, are ages 60 and better and doing their part to make their corner of the world a little nicer place to live.

On page 21, you will learn why October 15, 2015 through December 7, 2015 are important times of the year for older Americans. It is “Open Enrollment” for Medicare Advantage Plans and Medicare Part D (prescription drug coverage). Be sure to read about the ways that we can help you with Medicare.

After reading this magazine, please let our advertisers know that you noticed their advertisement. It is our advertisers who pay for the magazine to be -Sue Daugherty published and delivered to your mailbox – at no cost to you. I’m very grateful for their support. If you enjoy receiving this magazine, please let these businesses know that you appreciate them, too.

Sincerely, Sue Daugherty

From Our Clients

Thank you for helping us find a Dear Bill, contractor to do small jobs in Your kindness is greatly appreciated. our home. Nancy was very I don’t know what I would have done helpful and even followed up without your help, because I can get later to see if we were satisfied. really confused lately.

Please accept our small donation Nancy Thanks so much! Bill to help in your service to others. Rodriguez Marie Biehl – Bill & Pat Bill is a Volunteer, OSHIIP Certified Nancy is a Senior Advocate Assistant Medicare Counselor who works at at Serving Our Seniors Serving Our Seniors.

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800-564-1856800-564-1856 419-624-1856419-624-1856 www.servingourseniors.orgwww.servingourseniors.org 33

Calendar of Events

RSVP by calling 419-624-1856 or 800-564-1856 or [email protected]. Leave your name, phone number and the name of the event you want to attend. If the forum is cancelled due to lack of interest, you will be notified.

October 2, Tre Sorelle First Friday Fundraiser will October 15 – December 7 – Serving Our Seniors, 310 E. donate 10% of its sales to Serving Our Seniors. So Boalt Street – Sandusky. By appointment only. Receive pre-order and pay on Oct. 2 for your Thanksgiving and help with Medicare Part D and Medicare Insurance Christmas gifts! Counseling during “Open Enrollment”. Call now!

October 12, Northcoast Senior Expo, The Kalahari October 15, November 19 and December 17 – Sandusky Convention Center. Serving Our Seniors will be holding Community Church of the Nazarene, 1617 Milan Road – another “Understanding Medicare” Questions & Answer Sandusky. “Transitions” 11 am – 12 pm, for individuals forum from 10:30 am – 11:30 am and again from 12:30 experiencing memory changes. and “Improv” 1 pm – 2 pm – 1:30 pm. No RSVP’s are required. pm, offers humor and hope for those who have mild memory loss and confusion. Guests may attend with October 13, 10 :00 am – 2:00 pm – “AAA Car Fit”. the affected person, but not in his/her place. No RSVP Sandusky Community Church of the Nazarene. required. Practical, hands on experience. AAA Technicians check to make sure you “fit” your vehicle properly to maximize October 21, 12:30 pm – 4:30 pm – “Your Money, driver safety. It’s FREE. Call 419-624-1856 by Oct 9th Your Life: How Fraud & Exploitation Targets YOU!” to register. Mesenberg Plaza Place, Huron. Complimentary lunch served to your table. A $10.00 refundable deposit is October 14, 11:00 am – 12:30 pm – “Innovations & required. (See page 25 for details). Alternatives to Nursing Home Care: Medical Foster Care for US Veterans”, Erie County Service Center, 3rd Floor, 2900 Columbus Ave – Perkins Twp. RSVP by Oct. 12th. (See page 17 for details). For Your Funnybone

4 Serving Our Seniors is someone to call when you need help. 419-624-1856 800-564-1856 Never Miss A Chance to Dance

Martha Quinn, now retired from professional dancing says, “Never miss a chance to dance.” In October of 2013 she started a chair tap dancing class. Her first class is now starting their fifth session of classes. Martha is so pleased with how well everyone is doing.

Martha has successfully recovered from knee replacements. She said, “You will be surprised at what a good work out you can get seated in a chair. First we warm up with exercises. Tap comes next. The whole time we practice, we are working on our core muscles for strength; and learning a routine makes us work out our memory. When you learn how to tap, you have to learn what step is coming up next”, said Martha.

The next class will be October 22, 2015, 2 pm – 3 pm at the Erie County Senior Center, 620 E. Water Street – Sandusky. The cost of the 10 week course is 10.00 per person. A missed class can be made up.

For more information on registration call Serving Our Seniors “You will be surprised at (419-624-1856). Ask for Sarah or Ora. Your information will be given to Martha and Martha will call you to explain the class in what a good work out you more detail. can get seated in a chair.” SURGERY Expertise. Precision. Dedication. It is unusual to find a medical center that excels at the routine as well as the complex. But Firelands Regional Medical Center is exactly that kind of place. With surgeries from head to toe, Firelands Regional Medical Center performs over 13,700 surgical procedures each year at our main campus and our outpatient surgery center. And each of our 17 surgical suites are equipped with the latest in medical technology and equipment.

For more information about our surgeons & surgical services, visit firelands.com/surgery.

800-564-1856 419-624-1856 www.servingourseniors.org 5 “The Miracle Man” by Sue Daugherty Meet Samuel Walter Lewis, 84 years old. He moved to Sam worked as an umpire for 31 years until he retired in Sandusky, Ohio in 1950 and served in the Korean War in 2008. He started with “The Little Adam League” ages 6-8, 1951. He served on the front line for 10 months and 17 then 8-10, on up to the teenagers. Then he worked for the days in the Tank Guard, 7th Division. He achieved the rank Ohio State Athletic Association to umpire baseball and of Staff Sergeant and was awarded two Valor Stars. softball and traveled around the region. His barber calls Sam “The Miracle Man”. I call them the After being honorably discharged he returned to Sandusky “miracle couple”. Sam whipped cancer and is living with and worked for Waldock Packing Company for 17 years. a positive attitude despite having diabetes and going to He was hired by New Departure in 1968. dialysis three days per week.

Sam was very active in the Masonic Lodge from 1972 Sam is the father of eight children, whom he loves very - 1992. He explained, “Back at that time the Masons much; and he is the father of four adopted children with were segregated. I belonged to the black Masons”. As a Gloria. His four children live nearby and help in providing dedicated member he would cut the grass on the grounds for his care and emotional support. of Masons’ meeting lodge. As he was maintaining the grounds he noticed Gloria, who lived across the street. He “Our children strengthen us”, says Gloria. Dequarius Lewis knew at that moment he was in love. and his family moved from North Carolina to Sandusky to share the care. Shelia Lewis-McGill travels back and forth He found himself going to the Masonic lodge to cut grass from Dayton to provide care and support to her parents. every other day, just for an excuse to talk with Gloria. Sam Son, Roderick, who live in Georgia with his family, calls said, “She was interested in me, too. She would work in frequently to let his parents know he loves and cares for her yard, just to see me mowing the lawn”. He and Gloria them; and their oldest daughter, Erichia Lewis, is currently started laughed as Sam told this story. Gloria didn’t deny it. staying with her parents to help. They knew each other for one month before they married. In addition to his family, Sam credits his loving friends, thirty-eight years later, they remain happily married, in Pastor Reginald Taylor, Herman Robinson, Bobby Langdon love and just as committed to one another as on their and Darwitt Garrett for his ability to live such a high quality wedding day. of life, despite his illness. “I call them my boys”, said Sam. “They will come to help day or night…Whatever I need! They are there to help”. “Jessie Robinson, Herman’s wife, calls everyone and gets them together when there is a health crisis. Ron and Pat Maschari have been by our side throughout this five year journey.” said Gloria. Shirley Langdon, Bobby’s wife, and Dejuana Langdon help by preparing lunch for Sam after dialysis and assist as needed, while Gloria is at work. Sam also has to loving and supportive sisters who live nearby, Helen Robinson and Francis Johnson. Sam and Gloria will tell you that they are so blessed to have so many friends. So many that I cannot list everyone due to space restrictions. “We have a Cancer family (the staff at Firelands Regional Medical Center) a Cardiac 6 Serving Our Seniors is someone to call when you need help. 419-624-1856 800-564-1856 feels good to have her sitting next to me”, said Sam. Sometimes she will say, “Take your medicine Poppy so Care family (the wonderful nurses at Firelands Cardiac you can feel better”. Rehab Center), a Church family (Second Baptist Church), Sam’s not a quitter. He goes through physical therapy to a Dialysis family (the great people at Firelands Dialysis keep his strength to support his own weight. He does this Center), an NCNW family (National Council of Negro so he doesn’t need more care than Gloria can manage. Women – Sandusky Section), the ACORN’s Ministry, and an Ontario School family”, they said. Why hasn’t Sam thrown in the towel? From Sam’s perspective, “It’s my family. Gloria is the love of my life. I Ontario School is where Gloria works managing the can’t let my family down knowing the way they feel about cafeteria. She said, “Everyone always shows me such me”. Sam also credits his brother, Charles Lewis, for kindness. They always ask how Sam is doing and how I developing in him the positive attitude. It was Charles who am doing. That makes such a difference in keeping my taught Sam “If you think you can do something, then go spirits up, when I know people care. At Ontario School, and do it”. my cafeteria co-workers greet me every day with support, encouragement and prayers. Sometimes co-workers greet His advice to our readers is this…. “Think positive! If you me with flowers. Now, how can you ask for more than that? have a chance to do something – don’t wait! Tomorrow They are wonderful people”! may not come. Just do it! If you have a chance to help someone – help them! I have never regretted doing for One of Sam’s secrets for staying positive is his little other people”. granddaughter, Aaliyah, age 4 and the newest addition, Ava, 6 months old. “When I’m feeling down, Aaliyah “In spite of all our troubles, we never forget where our help will come over and sit next to me in my easy chair. It comes from and who is our provider”. 800-564-1856 419-624-1856 www.servingourseniors.org 7 A Compassionate Commmunity Story

In an hour and a half hour, on June 11, 2015, 40 people Jayne Klein said, “I met some people that I didn’t know at Vermilion’s “North End” neighborhood showed up to before. Now that the path is wider and it has a view. We beautify public property that had become an eyesore and a walk down to watch the sun set. It’s just nice”.

“weed patch”. Together they removed the weeds (including Jerry Coghlan said, “It was fun. Short, but sweet. I really poison ivy), roots, and scrub trees. Then they spread five enjoyed working on it. I’ve gone there a couple of times yards of wood chips to make a walkway that led to the to watch the meteor shower. I think this project definitely shoreline of Lake Erie. The next day, the City of Vermilion opened up a lot of possibilities, because people now know came and hauled away the debris. that it’s doable”.

Judy Williams was the catalyst. She personally delivered Judy summed it up by saying, “Everyone worked hard – invitations asking neighbors to be part of a “neighborhood physically hard! We almost glow when we remember that project”. After the work was finished, everyone enjoyed evening because we all share in that accomplishment. The beer, wine and snacks on her deck; as they rested and property belongs to the city, but it is in our neighborhood, watched the sunset. and we are proud of our group effort”.

Mike Klein, who is a member of the Vermilion Tree We hope this story inspires you to get to know your Commission, asked the power company that was trimming neighbors by doing good. trees in Vermilion to dump the wood chips at the work site. “So we didn’t buy any mulch – it was all free”, said Mike.

Jerry Coghlan, A walkable path to the lake Judy Williams is looking for the proud Jayne and Mike Klein created by people who care. owners of two rakes left at the work site.

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800-564-1856 419-624-1856 www.servingourseniors.org 9 10 Serving Our Seniors is someone to call when you need help. 419-624-1856 800-564-1856 Photos from the Titanic An old faux horn from Cedar Point Arcade Bob McCormick Has a Life of Stories & Historical Relics Bob McCormick, 77 years old, retired as a Lieutenant sterling silver clutch purse (estimated to be 100+ from the Sandusky Fire Department. His starting wage years old). was $1.59/hour. He is an interesting man. Because of his family and neighborly relationships he has a number of unusual stories and historical relics. “The horn came from Whitey Ryman, a city electrician. As a kid, I remember there was this witch on a broom, in the Cedar Point arcade. This horn was hers.” he said.

“My cousin, John O’Rielly, died in a trailer fire on January 1, 2010. I took that trailer apart and found a picture of my grandfather from the 1800’s and I found John Boyle As a child Bob got to know Mrs. Alfred Hendrickson, O’Rielly’s sea bag. John B. was in the Pacific theater because his mother would send him over to cut her during WWII. He listed the battles he fought on his bag”. grass, shovel her snow, and deliver her newspaper. She Mrs. Deist (her dad started Flynn, Py & Kruse) hired Bob remembered how much Bob admired her garage. As her to be her handyman. Overtime they became the best of health started to fail she wanted Bob to buy her home. In friends. She gave Bob souvenir silver spoons from her 1971 he did just that. Bob and his wife, Lynn, still live in travels, multiple postcards from the early 1900’s and a that home today. Gary C. yontz, Sr. LUTCF, CLTC Investment Advisor Representative

310 E. Boalt Street Unit D, Sandusky, Ohio 44870 • 419-626-1765 ext. 101 Long Term Care Insurance • Life Insurance • Individual and Group Health Insurance Medicare Supplements • Annuities • Our Agency has served the area for over 40 years Registered Representative/Securities and Investment Advisory Services offered through Signator Investors, Inc., Member FINRA, SIPC, a Registered Investment Advisors. 6500 Busch Blvd, Ste. 105, Columbus, OH 43229, Signature Financial Group, LLC 614-846-6000, Offering John Hancock Insurance products 134-20101118-63234 800-564-1856 419-624-1856 www.servingourseniors.org 11 Don’t Wire Money, Buy Green Dot Cards or Other “Loadable Cards”

It’s a fact. Erie County senior citizens are being targeted, add funds to a 16-digit account number they give you – lied to and then scammed out of their money. they say it’s your case number or account number,

but it’s not. Once the transfer goes through, the Scam artists have one thing in common, they pretend to be money’s gone and you can’t get it back. someone they aren’t and tell you a bogus story to con you into wiring them money. The crooks will give you a pretty If someone insists you pay by wiring money, convincing reason to wire money. They might say you owe it’s a scam. Don’t do it! Instead, report to your local police the IRS taxes and you’ll be arrested/foreclosed if you don’t department and to the Federal Trade Commission at ftc. pay up. Or that you won a federal grant, the Lottery, or gov/complaint or 1-877-FTC-HELP. If you are intimidated Publishers Clearinghouse Sweepstakes. to report this, call Serving Our Seniors (800-564-1856). We will help you. They will tell you that you have to pay a processing fee to get your money; or to keep the IRS from arresting you This article was reproduced and modified from Scam or foreclosing on your home. Some even tell you, your Alerts from the Federal Trade Commission; “Avoid Money grandchild is in trouble and needs your help. Wiring Scams”, August 5, 2015 By Alvaro Puig, Consumer Education Specialist, FTC. They might tell you to use a money wiring service to

L–R: Sheriff Paul Sigsworth, Chief Bob Lippert, L–R: Chief Bob Meister, Milan Police; Chief Charity Schaefer, Huron Police, Chief Ken Klamar, Perkins Police Berlin Hts Police; Chief Chris Hartung, Vermilion Police

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Don’t let your life savings be diminished by the high cost of probate or destroyed from ever increasing long term care expenses. We can help protect your legacy.

We handle a great deal of probate cases at my office. In fact, if someone has passed away in your family, we can probably help you. However, whenever I work on these cases I often wonder why so many people allow their assets to go through probate. Did they not know there were other choices? Did they not know how expensive probate can be? I am also often saddened when I see a person’s Will that leaves the assets equally to all the children, but the assets pass outside of the Will and do not follow the person’s wishes. Below, I will address some of the common misconceptions many people have.

False belief # 1: I have a Will so my assets will avoid probate. Truth: If an asset passes through the Will, the assets shall go through probate. You should think of your Will as a fancy letter to the probate judge giving instructions to the judge on who you want the court to appoint to be in charge (your executor) and who you want your assets to go to once the debts are paid.

False belief # 2: My Will controls where all my assets pass upon my death. Truth: Your Will only controls those assets in your name at death where you have not named a beneficiary or where there is no surviving co-owner who has survivorship rights. If you put a child on an account or on real estate, it is generally as a joint owner with survivorship rights. This means even though your Will says your assets are to be divided equally between your children, this isn’t what happens. Instead, your bank account or real estate that you have added a child to will pass to that child only. Additionally, by adding your child to your accounts or real estate, you have now potentially made your assets part of your child’s divorce case. You have also put your assets at risk if a child gets in a car wreck and gets sued. In addition, when you add a child to real estate, you have made a gift for Medicaid purposes and caused unintended tax consequences through the partial loss of a stepped up tax basis upon death.

Other false beliefs I often encounter: My IRA/401k isn’t counted as assets by Medicaid (these assets are counted). I have a trust and therefore my assets are protected from the nursing home (If you have the ability to take assets out of the trust as you desire, then the trust does not protect your assets).

Going through probate is expensive and generally not necessary. A house worth $100,000 going through probate can create probate fees between $4,000 to $8,000. In order to avoid probate while maintaining a plan that gets your assets where you truly want them to go without risking your assets to your child’s creditors or to divorce proceedings or to unexpected tax consequences takes a bit of planning. However, this planning doesn’t have to be complicated.

Please call us to schedule a free consultation to discuss ways to avoid probate. If you want to go further than just avoiding probate, we can also discuss ways to protect your assets from the high cost of long term care. Call now for your free appointment.

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Paid Advertisement 800-564-1856 419-624-1856 www.servingourseniors.org 13 Jackie Mayer, Miss America 1963 Celebrate America By Jackie Mayer Since my 50th Anniversary of being Miss America 1963, vocalist, President of Actors Guild; Katie Harman 2002, I wanted to bring some very special talent to Sandusky opera, vocalist with orchestras; Ericka Dunlap 2004, and Northern Ohio, the women who became Miss America vocalist/speaker on Diversity; Mallory Hagan 2013, dancer/ before and after me. This is why I am bringing the World speaker on Abused Children; Jackie Mayer, Miss America Premiere of “CELEBRATE AMERICA“ featuring 9 of my 1963, motivational/inspirational speaker. Miss America Sisters to Sandusky. They are professional Thank you to the Sidney Frohman Foundation and the actresses, vocalist, pianists and dancers: Celebrate America Productions for bringing “Celebrate BeBe Shopp 1948, emcee, young at heart; Debra Barnes America” to the Sandusky State Theatre, October 3, 2015 1968, pianist/professor of music; Dorothy Benham 1977, at 7:20pm. vocalist with ochestras; Susan Powell 1981 actress/ Tickets available at 419-626-1950 or toll-free at vocalist, “Home Matters”; Kellye Cash 1987, niece of 877-626-1950. Johnny Cash, actress/vocalist; Kate Shindle 1998, actress/

Lee Meriwether, Miss America 1955 with Jackie Mayer Debra Barnes, Miss America 1968 with Jackie Mayer

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16 Serving Our Seniors is someone to call when you need help. 419-624-1856 800-564-1856 VA Medical Foster Home Program

The Medical Foster Home (MFH) Program For the veteran, costs range from $1,500 to $3,000 at the VA Ann Arbor Healthcare System depending on the level of care required and eligible offers a “home-like” long-term care option veterans can be assisted with applying for financial for Veterans seeking an alternative to resources from the Veterans Benefits Administration. a nursing home placement or other Before veterans can move into a MFH, they must be institutionalized setting. The program enrolled in the VA health care system. partners with caregivers in the community who are at least 21 years old, financially stable, live in a home that they If you are interested in exploring the VA Medical Foster own or rent, and have prior care-giving experience. Home Program as a placement option or are interested in A foster care home that houses only veterans in the opening up your home to veterans in need, please contact state of Ohio does not have to be licensed by the state; Christina Murray, LISW-S, ACSW at 734-222-4269. More however, if a mixture of residents receive care, the home information is available at www.annarbor.va.gov/services/ must be state licensed. The program is meant to provide medicalfosterhome.asp a family home environment where a maximum of three To learn more attend veterans can receive individualized care. The VA inspects the public forum Oct. each home initially then annually, makes home visits, and 14, 2015. (See page 4 provides veterans with a professional home care team Calendar of Events to that includes pharmacists, physicians, nurses, physical RSVP) therapists, dieticians, and social workers.

They Help Those They Don’t Even Know! Since October 2014, Serving Our Seniors’ volunteers have given their time to drive 217 people to health care appointments that are out of town. They make the time to help people that they don’t even know get to appointments as close as Norwalk, Bellevue or Lorain; and as far as the University of Toledo Medical Center and Cleveland Clinic – even Ohio State University Medical Center. We truly appreciate their generosity. It is making Erie County a Compassionate Community for Aging Independently.

800-564-1856 419-624-1856 www.servingourseniors.org 17 18 Serving Our Seniors is someone to call when you need help. 419-624-1856 800-564-1856 Ask Serving Our Seniors 419-624-1856 or 800-564-1856

Q: I have two steps to get into my house. I have no Q: I have a legal problem and I can’t afford an attorney. railing to hold on to when I try to walk into my home. I don’t qualify for legal aid. Is there a way I can get I’m afraid I am going to fall. Is there anything Serving legal advice without having to pay $150 - $250/hour? Our Seniors can do to help me? A: We can help you call Pro Seniors A: Yes! The Erie County Health (800-488-6070) or you can call them Department was awarded a $10,000.00 directly. They will give up to a ½ hour grant to make fall prevention home of legal advice free of charge. Some of improvements to the homes/apartments our clients prefer that we are involved of Erie County residents, ages 60+. They when the call takes place. That way we have asked Serving Our Seniors to put this funding into can take notes as the attorney provides action. Call us! We can do a project up to $300 at no cost the advice. If there are any steps you are advised to take, to you. – Wendy Boyer someone from Serving Our Seniors can assist you – if you would like such help. – Nancy Rodriguez Q: I need to have small things done around my house, but I don’t trust letting “just anyone” into my home. Q: My parents health is failing. I promised them I Plus, I probably can’t afford the cost of a professional. would do everything I can to keep them at home. I Can you help me? don’t know what to do. Does Serving Our Seniors do A: Probably. We have “cost-sharing”, this type of work? which means you pay what you can A: We do. I am a “Senior Advocate” and afford (if you qualify) and Serving Our it is my job to assist Erie Co. residents, Seniors will pay the difference. We also ages 60+ and coordinate care and have a “Handyman” Program, which services that are available to support does small/minor home repairs to ensure them to maintain their independence. a safe and sanitary place to live. We do not “cost-share” For more information, call and ask to for work that is wanted for cosmetic purposes only. Call us speak with me. – Anthony Pool for more information. – Cora Freeh Q: How far in advance do I need to request a ride Q: I’m happy with my Medicare Part D coverage for out of town transportation to my health care (prescription drug insurance). Do I really need to shop appointment in Toledo? for other Medicare Part D plans for 2016? A: The more notice the better. Even A: You would be wise to see how your if you know one or two months in current prescription drug plan will advance… It’s not too early to call. It change in 2016. All insurance plans is very difficult to find a driver if you reserve the right to make changes to make your request on short notice. their coverage, year-to-year. There Please try to give us, at least, five may be a different plan that covers business days advanced notice. your medications better and at less – Ora Williams cost. If you don’t “shop” you won’t find out. Call us and ask for a Medicare Part D appointment. Call today! Q: How do I get a pass to watch Sandusky school – Chris Ferguson athletic events for free? A: Come to our office with your proof of your age (60 or better) and that your address is in the Sandusky school district. We will issue the pass. 800-564-1856 419-624-1856 www.servingourseniors.org 19 Gayle A. Reeves, Co., L.P.A.

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2015CZN0029 Serving WM LadiesAd-8x5.125 Our Seniors 4c_r3.indd is someone 1 to call when you need help. 419-624-1856 800-564-18567/24/15 3:14 PM Got Medicare? Ask Patricia... Patricia Whited-Stineman, OSHIIP Medicare Counselor

Question: Are there any Medicare programs that help with If you qualify for a QMB, SLMB or QI program, you paying for Medicare premiums, co-pays, or drug costs? automatically qualify for Extra Help, which helps to pay for Medicare prescription drug coverage and much of the cost Answer: Yes! We call them “Medicare Savings Programs”. of the medicine. They help those who have limited income and assets to pay the cost of the Medicare Part B premium, deductibles, You can contact OSHIIP direct at 1-800-686-1578 to help coinsurance and copayments. you enroll; or you can call Serving Our Seniors to help you. (1-800-564-1856 or 419-624-1856). There are four Medicare Savings Programs: 1. Qualified Medicare Beneficiary (QMB) Patricia Whited Stineman volunteers at Serving Our 2. Specified Low-Income Medicare Beneficiary (SLMB) Seniors as an OSHIIP trained Medicare Counselor 419- 3. Qualifying Individual (QI) (Qualified Disabled & 624-1856 ext 34. Working Individuals (QDWI) 4. Qualified Disabled & Working Individuals (QDWI) Medicare Open Enrollment Question: I am seeing ads for Medicare Open Enrollment. case of Medicare Part D – what drugs it will cover will When is “open enrollment” and what does this mean? change.

Answer: Good questions! Open Enrollment is October For help reviewing your 2016 Medicare Advantage 15th – December 7th. It is the time of year when all Plans call Serving Our Seniors (1-800-564-1856 or 419- Medicare covered enrollees are reminded to review 624-1856) and ask for an appointment with an OSHIIP their Medicare Advantage Plan or Medicare Part D Drug Medicare Counselor. Plan for the coming year. Why? Because each year the Medicare plans CHANGE! The 2015 plan goes away and new plans are available for 2016! There can be changes to the coverage, cost (premium, deductibles, coinsurance and copayments), and in the Patricia Whited-Stineman Bill Biehl

FirstChoice® Home Health • Medicare Certified FirstChoice Home Health is an experienced • Medicaid provider of in-home skilled nursing, physical • Passport occupational & speech therapy needs. FirstChoice is a leading provider of specialty • Most Insurances care for Alzheimer’s, Dementia and other • VA behavioral needs patients. • Private Pay Sandusky, Ohio • 419.626.9740 or 888.828.0862 www.firstchoiceohio.com 800-564-1856 419-624-1856 www.servingourseniors.org 21 Tim Wrenn: He’ll Drive Anything Serving Our Seniors’ Volunteer, Tim Wrenn, stopped by the office with his friend, Ed “Chip” Hessler. He arrived driving Clarabell, his 1913 Ford Model T, touring car. He is proud to share that Clarabell was born on April 22, 1913, at 2 pm in the afternoon.

Sandusky Eagles Gives to Serving Our Seniors’ Piggy Bank Fund Thanks to the Sandusky Eagles, Serving Our Seniors is able to be innovative with $1,000.00 donated dollars. It is used to address important matters affecting the lives of older adults, when no other agency can help. These are not problems of an urgent nature, yet left unaddressed, compromise one’s ability to maintain their independence and/or quality of life. This social innovation is Serving Our Seniors’ “Piggy Bank Fund”. It has helped Erie County residents, ages 60+, who were out of money at the time that their problem occurred, but had the ability to pay back the Piggy Bank Fund if the amount of the repayment was We asked Tim, “How fast will this baby go?” He said he made to fit their budget. drives it at 30 to 35 mph. “If you push her, she can go as fast as 40 -45 mph, but I try not to do that.” Since the Piggy Bank Fund’s inception, Serving Our Seniors has been able to assist four senior citizens. Here Tim has been a car enthusiast since he was 20-something are two examples: years old. He became an active car enthusiast in 2011, after he retired. In addition, to belonging to the Ford Model • A senior citizen had too many items in the apartment. T Club of America and local the Car Coddlers Club, he The landlord was going to issue an eviction notice. The gives of his time to drive Serving Our Seniors clients to older adult didn’t have the money to move the items in a their out of town health care appointments. (Don’t worry, timely manner. Serving Our Senior paid for the moving he doesn’t pick up clients using “Clarabell”.) of the items and the eviction was prevented. The Piggy Bank Fund was repaid six months later. Today, Tim gives at least one day per month as a volunteer driver. He is not obligated to a particular day. • A senior citizen was on the verge of being evicted He prefers to have the latitude to be spontaneous about for an unclean apartment. He did not own a vacuum accepting a trip request. We simply call him when we know cleaner, nor did he have disposable income to purchase we will need a driver. If he can do it, he will tell us he will a vacuum cleaner. Serving Our Seniors bought him a drive the trip. If he has other plans, he politely declines the vacuum cleaner and his eviction was avoided. He repaid opportunity. No harm done. We just move on down the list the Piggy Bank Fund in six months. and ask another volunteer. For the donor it is gratifying to see that those who Would you please become a volunteer driver? We receive assistance are also taking personal responsibility ask the volunteers to drive at least 12 times per year. to give back, so the next person can be helped. With Serving Our Seniors provides the vehicle. No holidays. time, we will determine if this is an effective, just and No weekends. For more information call Serving Our sustainable solution for unique social problems. Seniors at 419-624-1856 or 800-564-1856. 22 Serving Our Seniors is someone to call when you need help. 419-624-1856 800-564-1856 SOS Half Pg Ad FEB2015_Layout 1 2/12/15 4:52 PM Page 1

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800-564-1856 419-624-1856 www.servingourseniors.org 23 Our Thanks To You… Civista Bank

Civista Bank – Water Street Branch Team Thanks to Civista Bank, Serving Our Seniors will have three, brand new, computers to quickly surf the web. Surfing the web (www.medicare.gov) is the only way we can help Erie County residents, ages 60+, sign up for Medicare Part D. Prior to Civista’s contribution we were faced having to purchase three new computers that were used all day, every day for 10 weeks of Medicare open enrollment. That is a lot of money for equipment that will only be used for 10 weeks. Thanks to Civista, we will be able to HELP YOU with Medicare open enrollment from October 15 - December 7, 2015, using speedy computers without making a financial dent in our budget. Please join us in thanking Civista Bank for their generosity!

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• Conservative and Post-Operative Rehabilitation • Arthritis Pfeil Funeral Homes, Inc. • Carpal Tunnel Syndrome • Fractures, Sprains and Strains Donald A. Pfeil Licensed Funeral Director • Generalized Pain • Complex Hand Injuries Sandusky Chapel Monroeville Chapel 617 Columbus Avenue 109 Monroe Street Sandusky, Ohio 44870 Monroeville, Ohio 44847 ADVANCED HEALTH Keri Brown, OTR/L, CHT (419)625-2655 (419)465-2475 Rehabilitation Occupational Therapist, Registered www.ahrehab.com Licensed, Certified Hand Therapist Pre-Planning and Payment Plans Available Sandusky - 2500 West Strub Rd. • 419-626-4162 For more information, please visit PfeilFuneralHome.com Port Clinton Magruder Hospital’s Lake Erie Sports Medicine & Rehab. • 419-732-4033

24 Serving Our Seniors is someone to call when you need help. 419-624-1856 800-564-1856 Your Money Your Life: How Fraud & Exploitation Targets YOU!

Phone calls, postal mail, and people who lead you to believe they are worthy of your trust are all ways that older adults are being swindled out of their money. If you are age 60 or older, don’t be an elder fraud statistic. Learn how fraud and exploitation targets you!

The Erie County Department of Job & Family Services in association with Serving Our Seniors invites the first 250 senior citizens from Erie, Huron & Ottawa County to enjoy a complimentary lunch at Mesenburg Plaza Place, Huron Plaza, 545 Cleveland Road, Dave Kessler Huron, Ohio and listen to a series of experts speak on “YOUR MONEY, YOUR LIFE: How Fraud & Exploitation Targets YOU!” on October 21, 2015. A refundable $10.00 deposit is required to reserve your seat. Those who attend the entire event will be refunded their $10.00 deposit at the conclusion. 12:00 – 12:30 pm Registration 12:30 – 1:30 pm Lunch served to the table 1:30 – 2:00 pm “Meet the Perpetrators and How They Operate” – Dave Kessler, Terry Sullivan Elder Fraud Investigator 2:00 – 2:30 pm “The Tactics Used in Mail Fraud” – Terry Sullivan, Postal Inspector, Cleveland 2:30 – 3:00 pm “Elder Fraud & Exploitation: How the Criminal Justice System Works” – Candace Heisler, JD, consultant/trainer on elder fraud & exploitation 3:00 – 3:20 pm Dessert Break 3:20 – 4:00 pm Panel discussion – Floor is open to audience to ask panelists any Candance Heisler questions about financial elder abuse

Send your check payable to Serving Our Seniors, 310 E. Boalt Street, Sandusky. For more information call us at 419-624-1856 or 1-800-564-1856. OPERS/One Exchange Website The Ohio Public Employee Retirement System is ending their group sponsored Medicare Advantage plan as of December 31, 2015. OPERS is working with One Exchange from Towers ® ® ® Watson, to help retirees enroll in a Medicare supplemental Dustin J. Ness, CFP , AAMS , CRPC Vice President plan, Part D plan or a Medicare Advantage plan. Associate Resident Director 4406 Timber Commons Dr. OPERS retirees with questions about these changes Sandusky, OH 44870 should refer to the One Exchange hotline at 1-844-287-9945 [email protected] or go online at: https://medicare.oneexchange.com/opers 888.609.3481 • Tel: 419.609.3481 • Fax: 877.653.5160 (Source: OSHIIP News July 2015)

Assisted Living Community

800-564-1856 419-624-1856 www.servingourseniors.org 25 Listings ACCOUNTING • Barnes Wendling CPAs 5002 Timber Commons, Sandusky 419-626-3627 Norwalk 419-668-2540 • James L. Ruthsatz, CPA Income Tax & Accounting 419-627-1040 • Payne, Nickles & Co., CPAs www.pncpa.biz Sandusky 419-625-4942 Norwalk 419-668-2552

APARTMENTS • Muirwood Village 101 Landsrush St. - Sandusky 419-627-2447 • Village at Edson Creek 1401 Portside Dr. - Vermilion 440-967-9526

ATTORNEYS • Murray & Murray Co., L.P.A., Fraud, Bank, Insurance and Broker wrongs, 111 East Shoreline Drive, Sandusky, Ohio, www.murrayandmurray.com. Call 419-624-3000 • Richard E. Grubbe, Attorney, Elder Law, Wills, Trusts, Guardianships, Estates 419-626-0055

AUTOS & AUTO REPAIR • Smith’s Top Notch Car Repair 520 Finch St – Sand. 419-624-0900

DENTISTS • Drs. James Scherger – 625-7083 & John Moran – 625-1481, 2102 Campbell St. – Sandusky • Dr. Roger Stine, DDS - 1801 E. Perkins Ave, Sandusky, OH 419-626-4696 • William O. Semans, D.D.S., 334 Hancock Street, Sandusky, OH 419-626-1448

FOOD & SHOPPING • Cardinal Grocery 317 E. Washington St.-Sandusky www.cardinalgrocery.com 419-627-8224 • Goodwill 924 E. Perkins Ave. - Sandusky www.goodwillsandusky.org 419-625-2910 • SCENTSY Sarah Widman Book a Party!! 419-202-4540

FUNERAL HOME • Foster Funeral Home & Crematory 410 Main Street-Huron www.fosterfh.com 419-433-5225 • Groff Funeral Homes & Crematory Chapel locations: Sandusky, Huron, Milan 419-626-3632 A Family Owned Funeral Home you can trust ~ Serving our community since 1902 • Pfeil Funeral Homes, Sandusky & Monroeville, pfeilfuneralhome.com Display Ad Pg 24. • Ransom Funeral Home & Cremation Service 610 South Washington, Castalia 419-626-6666 • Toft Funeral Home & Crematory, 2001 Columbus Ave -Sand www.toftfh.com 419-625-8816

HOME CARE / HOME NURSING • Home Instead Senior Care 877.733.5050 www.homeinstead.com • SENIORS Helping SENIORS® Compassionate & Dependable In-Home Care 419-366-4915 You Can Advertise Here for $50 Per Line 26 Serving Our Seniors is someone to call when you need help. 419-624-1856 800-564-1856 Listings HOME MAINTENANCE • Deluca Plumbing, Inc. 1401 Huron Avery Rd – Huron 419-433-2594 • Fresch Electric, Inc. [email protected] 1414 Milan Road, Sandusky 419-626-2535 • Hohler Furnace & Sheet Metal, For all your Heating and Cooling needs 419-625-7474

HOUSECLEANING • Home Maid Cleaning Services bonded & insured 419-627-0970 • Magnificent Maids Yes, We Do Windows! Bonded-Insured 419-656-1694

INSURANCE • Ben Lindsley CLTC, LUTCF, 1401 Cleveland Rd. Sandusky 419-626-9930 Medicare Supplements, Long Term Care Ins., Life & Health Ins., Annuities • Christine Myers - Medicare Advantage, Medicare Supplements, Medicare Rx, Life, Group Health, Individual Health, Long Term Care - Sandusky 419-656-7466

LANDSCAPE / LAWN CARE • Bailey’s Tree & Landscape, Fall Clean-Up, Landscape, Tree Pruning/Removal 419-625-2352 • Gysan’s Lawncare Mowing, Fertilization, Snow Removal –Senior Discounts 419-656-9482

MENTAL HEALTH COUNSELING • Bayshore Counseling Services Addicted to Pain Killers? We Can Help! 419-626-9156 • Lakeshore Counseling Services www.lakeshoresupport.com Vermilion 800-600-5327

MOVING / RELOCATION / DOWNSIZING • Stierhoff Moving / Superior Mobility 2033 Superior St - Sandusky 419-625-5005

NURSING CARE FACILITY / REHAB • Lutheran Memorial Home, (Rehab Provider) 795 Bardshar Rd. www.lhsoh.org 419-502-5700 • Meadows at Osborn Park Short-Term Rehab/Long-Term Care eriecounty.oh.gov 419-627-8733

REAL ESTATE • Linda J. Armstrong, Realtor, RE/MAX Quality Realty 419-627-1996 Ext. 233 • Mike Seikel, Realtor, Lighthouse Real Estate 419-433-1010 Ext. 226 • Chris Wechter, Broker / Owner, Lighthouse Real Estate 419-433-1010 Ext. 224

ROOFING • Riedy Roofing Inc. 1705 Fifth Street, Sandusky [email protected] 419-625-7716 • Robbins Roofing, LLC, www.robbinsroofing.net 419-621-8340 or 419-239-3326

You Can Advertise Here for $50 Per Line 800-564-1856 419-624-1856 www.servingourseniors.org 27 NON-PROFIT US POSTAGE PAID This complimentary magazine is 310 E. Boalt Street SANDUSKY, OH being funded by its advertisers. Sandusky, Ohio 44870 44870 Serving Our Seniors appreciates PERMIT #92 their support.

Serving Our Seniors Magazine is a publication of Serving Our Seniors, Inc. The advertising that financially supports the magazine should not be construed as an endorsement by Serving Our Seniors, Inc. of the products or services of any advertiser. Serving Our Seniors, Inc. was established in 1996, as a non- profit, non-partisan organization to assist residents of Erie County, Ohio age 60 and older who are living independently.

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