BOOMERS AND SENIORS LEAD THE WAY IN VOLUNTEERISM

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24 26 30

features and stories columns and departments

24 volunteerism: seniors leading the way 11 community: yonkers connects 26 volunteerism: neighbors feeding neighbors 12 worth noting 30 comfort soup and stew recipes for winter 14 legal talk: avoiding a will contest 18 health & wellness: droopy eyelids 22 booming better travel: the no.1 destination more articles 36 wellness coach: mindful eating during the holidays 16 money matters: create your safety net 37 real estate: making winter bearable 20 essay: word play 40 medicare advisor: income related surcharges 38 retirement readiness 44 medicaid advisor: long-term care 42 wellness advocate: it's not dementia 46 app-titude: payment services

westchesterseniorvoice.com 4 winter 2020-2021 We are pleased to announce that Phelps Hospital recently received Recognition as an Age-Friendly Health System from the Institute for Healthcare Improvement (IHI). In achieving this designation, we demonstrated our ability to render care to patients 65+ years old in the area of the 4Ms - What Matters Most, Medication, Mentation and Mobility - and committed to implementing performance improvement plans as we strive to enhance the care we provide. The Age-Friendly Health System recognition is a shift in the paradigm of care in which the 4Ms drive all care and decision making in the inpatient and ambulatory care settings.

If you have any questions, please reach out to Ellen Woods at (914) 366-3937 or email [email protected].

Phelps Hospital is pleased to announce the launch of a Caregiver Program! Led by a social worker, this program will provide support services and resource information to caregivers. Phelps recognizes the role of the caregiver as an important one in helping patients age-in-place safely, securely and independently. Often, the physical and emotional health of the person providing care becomes compromised. It is difficult to assist someone else if the needs of the caregiver are not met. Phelps Caregivers Center will provide our patients’ caregivers with emotional support, counseling, and the resources necessary to navigate the health care system.

To contact the Caregiver Program, please call 914-366-1199 or e-mail us at [email protected].

winter 2020-2021 5 westchesterseniorvoice.com WESTCHESTER SeniorVoice

PUBLISHER Susan E. Ross [email protected] 914.380.2990

CONTRIBUTING WRITERS Rosemary Black Lauren C. Enea Steven Geiger and Rosemary Stern Jessica Kishpaugh Kim Kovach Donna Moriarty Colin Sandler Mamta V. Shah, MD Anastasia Slesareva Robert Remin Laura I. Rotter Alice Tseng Steven Weisblatt, MD

CIRCULATION Rare Sales, Inc. / Bob Engelman 914.661.3605

To our readers: We are able to publish and dis- tribute this magazine through the support of our advertisers. Please let them know you reached out to them because of Westchester Senior Voice. Publisher is not responsible for errors in advertising or claims made by advertisers. We do not knowingly accept any advertising that violates any law. Opinions, articles and advertising appearing in this magazine should not be construed as endorsement by the Pub- lisher of any product, service, or person.

VOLUME 5.5 WINTER 2020-2021 Copyright © Voice Media LLC. All rights reserved. Reproduction in whole or in part without written permission is prohibited. Westchester Senior Voice Print ISSN 2469-5203 Online ISSN 2469-5211 Publishing Quarterly plus an Annual Guide and the Booming BETTER Expo

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westchesterseniorvoice.com 6 winter 2020-2021 winter 2020-2021 7 westchesterseniorvoice.com from the publisher

HELLO! I AM SO HAPPY TO To repeat some information from our last issue, report that this past October, we’ve been publishing, in print and online, since Westchester Senior Voice was 2016. Up until Covid hit, we distributed the magazine honored with six awards for edito- throughout Westchester at about 700 locations. To rial excellence by the leading trade make sure we get into your hands now, we’ve tran- association representing boomer sitioned to mailing the magazine direct into homes, and senior publications through- with just a few thousand copies selectively placed in out the country. The distinction the community. was particularly sweet as our con- tent was evaluated and judged by faculty and staff at the If you’d like to continue to receive this magazine prestigious University of Missouri School of Journalism. at no charge, please email your U.S. postal ad- It means the world to me to know that this labor of love, dress to us at office@westchesterseniorvoice. this magazine, is recognized for what we do. com. By doing so, you’ll be added to our mail list for the coming year. If you did receive this issue via the In our most recent survey, 60% of readers told us they mail, please FIRST check the label on this issue’s hold on to their issue of Westchester Senior Voice for cover. If it has your first and last name on the mailing more than a month. Thank you! In that same survey, label, there is NO need to email us with your address 92% of readers indicated that the advertising in this as you are already on our list. magazine was useful or relevant to them, a spouse or partner, or a family member. That’s a pretty strik- Alternatively, you can sign up for a digital version of ing number, which leads me to another plain truth: the magazine, to be sent to your email inbox, by go- while having an online presence for our magazine is ing to our site at www.westchesterseniorvoice.com essential, especially during these times and moving and signing up for the email newsletter. Once on towards the future, our readers still have a clear pref- the site, within seconds, a box will pop up and ask erence and need for us as a printed medium. And we you for your email address. Simply fill it in and bam, will continue to deliver as such. you’re done!

But that also begs the question, “how are we able We hope you enjoy this issue. It’s chock full of won- to produce and deliver this magazine without any derful articles, all intended to help you create your charge to our readers?” The answer, as you may al- strongest and best life. ready know, is that we are supported entirely by our advertisers. So, please let them know you learned about them through Westchester Senior Voice. En- Wishing us all love and peace, courage your friends and family to do the same. If you love our magazine and use it to empower your- self to live your best and strongest life, then become a “brand ambassador” for our magazine by talking it up. If you frequent a business or service, let them Susan E. Ross know about this publication. It may help them in Publisher and Certified Senior Advisor® their endeavors as well. [email protected]

westchesterseniorvoice.com 8 winter 2020-2021 ASK THE DOC

When should I see an orthopedic surgeon for pain?

Dr. Andrew Casden, Chief of Orthopedic and Spine Surgery at White Plains Hospital, answers this common question.

Experiencing some type of pain in your back, joints and muscles is a natural part of aging. For instance, a strain following a strenuous walk or morning stiffness as you get out of bed are all very common with advancing years. In fact, studies suggest that one out of three people in the United States are living with varying degrees of discomfort. “I tell my patients who complain about morning stiffness to have a cup of coffee and a shower, and then tell me if they still have pain, or if it goes away on its own,” says Dr. Casden.

However, significant pain in the back, neck, arms or legs that lasts longer than a week should be evaluated by an orthopedic specialist, says Dr. Casden. The specialist will typically treat this pain using physical rehabilitation, counseling, medications and complementary therapies before even considering a referral to a spine surgeon, he says. “If those options do not work, patients at White Plains Hospital can be assured of a safe, personalized surgical approach to help them return to their normal quality of life,” says Dr. Casden. “With advancements in technology combined with the precision of minimally-invasive procedures, patients don’t have to live with their chronic pain any longer.”

KNOW WHEN TO CALL THE DOCTOR 1. pAiN THAT DOEs 2. pAiN THAT AffECTs 3. pAiN LEvEL is A six 4. fREquENT usE not go away DAiLy ACTiviTiEs out of ten Of MEDiCATiONs Significant pain in the back, See a specialist if pain is Doctors often use a scale You are taking over the neck, arms or legs that lasts interfering with your ability to of one to ten (worst) to counter anti-inflammatory longer than a week, and function, including walking, assess patients’ pain. A medications more than doesn’t go away with over- sleeping, or using your arm or six normally indicates a five times a week, or the-counter medicines or rest, leg, and if it is affecting your moderately strong level on a regular basis, and should be evaluated. emotional well-being. of pain. continue to have pain.

To find an orthopedist, call 914-849-MyMD or visit wphospital.org

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westchesterseniorvoice.com 10 winter 2020-2021 COMMUNITY Tackling Social Yonkers Connects! Isolation PROGRAMS VIA ZOOM In partnership with Yonkers NNORC, Yonkers Public Library, and New York-Presbyterian/ Lawrence Hospital, the following can be found via Zoom: BODY/MIND FITNESS with Coach Karl. Energize your body and prepare your mind to face challenges from the comfort of your home. Practice mindfulness and move- ment for a better body-mind connection on Wednesdays at 9a.m. BINGO: Play Bingo on Zoom, Thursdays at 1p.m. Contact Z at 914-779-3774 or z@ ypl.org for Bingo Cards. MEDITATION CHAIR YOGA: Dr. Rubina Heptulla, of Millennium Medical & Rehab, walks participants through fitness and meditation exercises on Fridays at 9a.m. NEW YORK-PRESBYTERIAN/ LAWRENCE HOSPITAL SPEAKER SERIES: Learn from the hospital's experts about a variety of topics in their specialties, once a month on Tuesdays at 1p.m. (Dates to be announced.) For details on the above programs and Zoom call-in/password, contact Sally Pinto at Yonkers NNORC at 914-391-1323 or [email protected] Photo left to right: Z Baird and Sally Pinto

When Kelly Chiarella, director of the Yon- ested in helping older adults in the area. And while the Yonkers libraries are open for kers Office of the Aging, and Judy Fink, browsing as well as contactless pick-up, Z director of geriatric services at WJCS The Yonkers students work with seniors to is partnering with NNORC and other orga- (Westchester Jewish Community Servic- get them on Zoom so they can participate nizations to keep the community engaged, in virtual programs and activities, visit with connected and thriving. That includes pro- es) secured a New York State grant for friends, and connect with their children grams to keep seniors moving and to pro- $200,000 a year for five years, to fund the and grandchildren. vide structure to their days, whether it’s a 9 city’s Neighborhood Naturally Occurring a.m. yoga class or 1 p.m. bingo. Retirement Communities (NNORC), they The all-volunteer teen corps meets once a never anticipated it would also support week for training on different technologies In addition to library resources such as their senior population through the bleak- and to review issues they come across. In streaming movies online and download- est days of the pandemic and beyond. addition to teaching basic tech skills, they able books, there's something to look tutor seniors on photo-taking and accessing forward to every morning: from seminars While supporting case management and virtual programming offered by the Yonkers - courtesy of New York-Presbyterian to nursing services, the grant is also fund- libraries, which have three physical loca- art and gardening indoors, among many ing a variety of programs and activities tions: the Riverfront Library, the Crestwood other virtual activities. for those aging independently at home. Library, and the Grinton I. Will Library. Assuring seniors there are many ways to When Covid hit Westchester, Yonkers Z Baird, branch manager of the Crest- remain active and participate in the com- NNORC Coordinator Sally Pinto immedi- wood Library, says they are finding differ- munity, Sally adds, “They are not alone!” Z ately recognized the need for a “tech squad” ent ways “to build togetherness without concurs, " We are going to thrive together! to support people who weren’t necessarily being physically there.” Seniors are also comfortable with technology as a means contending with the closing of senior cen- To find out more about activities and programs, to socialize and connect. She enlisted the ters, exacerbating already-existing social and to participate and engage, contact Z Baird help of the Yonkers Partners in Education isolation and making access to technol- (914-779-3774 or [email protected]) or Sally Pinto (YPIE), who recruited high schoolers inter- ogy more important than ever. (914-391-1323 or [email protected]).

winter 2020-2021 11 westchesterseniorvoice.com WORTH NOTING

are often wet and slippery) to stair lifts, per- sonal oxygen equipment, sleeper chairs, custom home-care beds, and more.

Excellent service and caring staff is the key to their success. To that end, O’Keefe and his team answer calls and "show up" seven days a week.

There is a loaner program on all durable purchases so customers are never left without if something needs to be repaired.

On The Mend’s Director of Operations and Community Relations Marsi Beck A Belated Welcome to On the Mend comments, “I absolutely love our custom- When On The Mend Medical Supplies O’Keefe, originally from the Bronx, opened ers and this business.” & Equipment opened in Mount Kisco in his first medical supply store in Southbury, February of 2020, they could not have an- CT almost five years ago. His philosophy “We provide solutions for aging in place ticipated that in just over a month, most has always been to treat every client as he and creating safe spaces,” says O’Keefe, of Westchester would be shut down - and would want his own parents treated – mom who also promises that once the pandem- boomers and seniors, along with many is now 79 and dad is 86. The entire On The ic has passed, On The Mend will be bring- others, would not be venturing out to visit Mend team operates with this same goal. ing fully accessible vans to Westchester any new stores, even essential ones! As he describes it, “I hire great people. And to drive clients to medical appointments we are all big on compassion.” and other destinations. However, under the leadership of owner Liam O’Keefe, On The Mend quickly en- Now, with a second location in Westches- On The Mend Medical Supplies & Equip- gaged with the community by providing PPE ter, the store’s product offerings are exten- ment in Westchester is located at 280 North (Personal Protective Equipment). You can sive: from barrier-free showers and safety Bedford Road, #101, in Mount Kisco; www. still find masks, face shields and gowns, as items for bathrooms (which is the number onthemendmedical.com; 914-483-3605 well as other protective gear, at the store. one location in the home for falls, as floors (See ad on page 27 for 10% discount.) Phelps Hospital Best in Class The Osborn Pavilion in Recognized as Rye is one of only 20 skilled nursing facilities Age-Friendly (out of 617) in New York State to be recognized as and consistent performance Phelps Hospital/Northwell Health a Best Nursing Home for in quality measures. has been recognized as an Age- “Becoming an Age-Friendly 2020-21 by U.S. News & Friendly Health System by the Health System requires an in- World Report. According to Matthew G. Institute for Healthcare Improve- terdisciplinary approach in or- Anderson, President and ment (IHI). der to make a real difference in They achieved the highest CEO of The Osborn, “We the care we provide,” said Ellen possible rating, High Per- are extremely honored Phelps earned the distin- Woods, Program Director of forming, for both short-term to be awarded the des- guished honor for its ability to Vitality, a Phelps Hospital pro- rehabilitation and long-term ignation of ’Best Nursing render care to patients 65 and gram designed for older West- care. They are also the Home’ by U.S. News & older in the areas known as the chester residents. “Our suc- only skilled nursing facility World Report. We are also 4Ms – What Matters Most, Med- cess depends upon the entire in Westchester to achieve very proud of our extraordi- ication, Mentation and Mobility. Phelps Hospital team embrac- this rating in 2020. nary staff who deliver high The title also recognizes Phelps ing the 4Ms model and incorpo- quality services to individu- for its commitment to enhanc- rating continual improvement in To receive the designation, als each and every day as ing the already high-quality care how we deliver care. We’re all U.S. News assesses the ap- part of The Osborn’s over- provided at the hospital. in this together.” propriate use of key services all continuum of care.”

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winter 2020-2021 13 westchesterseniorvoice.com LEGAL TALK

How to Avoid a Will Contest

BY LAUREN C. ENEA, ESQ. When Disinheriting a Child or Family Member I am often asked about this topic by you to have full control over your assets an “in terrorem” clause should be placed my clients, especially when they are during your life, but avoids probate when in your Will in order to deter potential Will you pass away. The trust does not have contests. These clauses often state that alienated from and wish to disinherit a to go through the probate process, and in the event of a Will contest, the indi- child or family member. therefore no one needs to be provided vidual seeking to contest the Will would with notice of the trust’s existence or the forfeit any distribution to him or her if he When these types of situations arise, terms thereunder. This allows your wish- or she were not successful in the Will there are many steps you can take to es to stay private, especially where you contest. avoid your Will from being contested by are disinheriting certain individuals. individuals who believe they are entitled In addition to the above steps, it is impor- to receive your assets: A revocable trust is not totally immune tant to meet with an experienced estate planning attorney and provide him or her 1. AVOID PROBATE from a contest, but it makes a contest with detailed information as to why an A Last Will and Testament only controls significantly more difficult, as there is no individual is being disinherited or being assets that are in your name alone (with requirement that the distributees be pro- left a lesser amount of money than oth- no beneficiary) on your date of death. vided with notice of the trust. ers under your Will. This information will One of the best things you can do to be helpful in assessing the potential for avoid a Will contest is ensure that no as- 3. JOINT OWNERS AND a Will contest and protecting against one sets pass through your Probate estate NAMED BENEFICIARIES being brought in the future. and are controlled by your Will. Having joint owners on your bank ac- counts and named beneficiaries on your n n n In order to be valid, a Will must be ad- retirement assets are simple ways to Lauren C. Enea, Esq. is an Associate at Enea, avoid probate and allows assets to pass mitted to probate and the individuals Scanlan & Sirgnano, LLP. She concentrates her who are entitled to receive assets if you directly to your intended beneficiaries. practice on Wills, Trusts and Estates, Medicaid passed away without a Will (called “dis- However, issues can arise where the Planning, Special Needs Planning and Probate/ tributees”), including those that you de- joint owner or named beneficiary prede- Estate Administration. Ms. Enea believes it is cided to disinherit, need to be provided ceases you. A trust can provide contin- never to early or too late to start planning for with notice of the Will being admitted to gencies for these situations and is there- your future. She is admitted to practice law in New York and Florida and is an active member of probate. This often opens the door for fore a better long-term solution. the Executive Committee of the New York State the Will contest. Bar Association (NSYBA) Elder & Special Needs 4. INCLUDE A “NO CONTEST" Section. She can be reached at 914-948-1500 2. USE A REVOCABLE TRUST CLAUSE IN YOUR WILL or at [email protected]. Please visit www. A revocable trust is a vehicle that allows A No-Contest clause, also referred to as esslawfirm.com for more information.

What steps have you taken to protect your life savings from the cost of long term care? . Elder Law . Asset Protection . Medicaid Applications (Nursing Home/Home Care) . Guardianships (Contested/Non-Contested) . Wills, Trusts & Estates WHITE PLAINS . SOMERS . WWW.ESSLAWFIRM.COM

Contact LAUREN C. ENEA, ESQ. . 914.948.1500

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JOB INFORMATION SPECIFICATIONS NOTES of© 20 your20 Morgan future.PROJ. Stanley NO.: 8982191 Smith /604069437 Barney LLC.TRIM SIZE:Member5.5” x 8.5” SIPC. CRC 2923240 04/20 WM MKt Chin Ruby FINISHED SIZE: 5.5” x 8.5” MECH JOB NAME: Alone LocAd BLEED: NA POST-PROD.: © 2020 Morgan© 2020 Stanley Morgan Smith Stanley Barney Smith LLC. Barney Member LLC. SIPC. Member SIPC. TMPL:CRC 2923240CRC 04/20 2923240 04/20 CREATIvE STUDIO DESCRIPTION: WM MKt Chinwinter Ruby 2020-2021 15 westchesterseniorvoice.com 1585 Broadway, 23rd Floor Alone LocAd PICKUP: 8973413 PAPER: TBD New York, NY 10036 MODIFIED BY 180 Varick Street, 3rd Floor CLIENT NAME: Chin, Mary CH PM 07-26-17, CH MM 07-26-17 New York, NY 10014 PROJECT MGR.: Byrne, Chris PRINTING: PDF COST CENTER: G723 QC MANAgER APPROvAl © 2019 Morgan Stanley Smith Barney LLC. Member SIPC. CRC2568579 06/19 m1 DUE DATE: 09/16/2017 04:30 COLORS: CMYK FILENAME: 8982191 Ruby Alone m1 LAST MODIFIED: July 26, 2017 11:14 PM

JOB INFORMATION SPECIFICATIONS NOTES PROJ. NO.: 8982191 /604069437 TRIM SIZE: 5.5” x 8.5” WM MKt Chin Ruby FINISHED SIZE: 5.5” x 8.5” MECH JOB NAME: Alone LocAd BLEED: NA POST-PROD.:

TMPL: CREATIvE STUDIO DESCRIPTION: WM MKt Chin Ruby 1585 Broadway, 23rd Floor Alone LocAd PICKUP: 8973413 PAPER: TBD New York, NY 10036 MODIFIED BY 180 Varick Street, 3rd Floor CLIENT NAME: Chin, Mary CH PM 07-26-17, CH MM 07-26-17 New York, NY 10014 PROJECT MGR.: Byrne, Chris PRINTING: PDF COST CENTER: G723 QC MANAgER APPROvAl m1 DUE DATE: 09/16/2017 04:30 COLORS: CMYK FILENAME: 8982191 Ruby Alone m1 LAST MODIFIED: July 26, 2017 11:14 PM MONEY MATTERS

Creating A Financial Safety Net

BY ALICE TSENG During Uncertain Times and Beyond COVID has affected every to opt out of returning to work. single American on some I also helped a couple, Joan and level. More than that, it’s Richard, refinance their previ- created a wave of reluc- ously manageable mortgage tant retirees. balance. Richard’s medical practice had converted to tele- According to a recent New health due to the pandemic, School study, older working and appointments fell off signifi- Americans are faced with a cantly. Prior to COVID, covering double whammy. Even if they monthly bills was not a concern. manage to dodge the dispropor- Then things got very tight, very tionately dangerous effects of fast. Using the HECM reverse, the virus, they are more suscep- they were able to get out of the tible to job loss (than their 35- to modest monthly mortgage pay- 54-year-old counterparts). ments on the old mortgage, and are now using the HECM line of A viable safety net for home- credit to pay their high property owners ages 62 and older - who either taxes and house insurance. cannot gain re-entry to the workforce The key feature for both short-term relief due to COVID, must compromise with and long-term consideration is that there Unlike Richard, who could see some pa- under-employment, or prefer to retire are no required repayments for any of tients virtually during lockdown, Bonnie early to avoid the health risks of return- the loan monies provided to the borrow- and Stan’s heating/AC business entailed ing to work – is a reverse mortgage, for- er, as long as the homeowner continues servicing clients’ equipment in their homes. mally known as a Home Equity Conver- to live in the home as their primary resi- Their small business shut down overnight. sion Mortgage (HECM). dence, and keeps current on property Although they were already contemplating taxes and home insurance. retirement, COVID made the decision for Reverse mortgages have come a long them before they were ready. Closing their way since their introduction and no lon- You still own your home and you can sell HECM reverse in July was the solution. ger have the pitfalls of the older versions. at any time. A HECM reverse mortgage They did away with the monthly payments As you may have seen Tom Selleck say can provide immediate, and likely long- on the HELOC balance that was paid off, on TV, they are now a smart and safe term, relief, and give you time to get your and set up a monthly draw to replace what way to leverage equity. You are using bearings and map out your retirement had been earned income, to maintain their the equity in your home for your current future. You are spared from dipping into budget and pay bills. needs and, in most cases, still leaving your retirement investments (and suf- meaningful value to your heirs without fering the tax consequences) to cover Many people don’t understand how the passing on any liability to them. mortgage payments. HECM works so they are fearful of using it to address their financial pressures. HECMs are FHA-insured and HUD-reg- Recently, I helped a school administra- Learning more about how it works is an ulated. Put simply, they are home equity tor, Dolores. After months of lockdown, important first step in finding out if it may mortgages that do not require monthly re- the thought of physically returning to be right for you, and if it can help secure payment. Between 40 to 60% of a home’s work made her anxious and panicky. your financial future. appraised property value can be loaned, She lives in a blended family with adult n n n depending on age. They can be used to children and her 92-year-old mother; ev- Your questions are welcomed and do not imply pay off an existing mortgage, relieving the eryone felt vulnerable for the family ma- any obligation whatsoever. Contact Alice di- homeowner from monthly mortgage pay- triarch. The HECM provided Dolores a rectly at 646-543-9262 or aliceinreverse@gmail. ments, or used to create an additional in- monthly supplemental income to her ear- com. Alice Lee Tseng, Licensed Loan Originator come stream. Or be used for both. ly social security benefits, enabling her Sponsored by AAG, NMLS ID: 974322

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winter 2020-2021 17 westchesterseniorvoice.com HEALTH AND WELLNESS

Improve Vision and Appearance for Droopy Eyelids BY MAMTA V. SHAH, MD

Our eyes are thought to be our most plays a large role in opening the eyelid levator muscle to improve the field of vi- effective means of nonverbal commu- and keeping it open. sion and appearance. For dermatochala- sis, surgery involves removing the caus- nication. They convey our emotions Age-related skin changes, sun exposure, ative upper eyelid skin in a manner that honestly and, often times, involuntarily. and gravity over many years can take still allows for good eyelid closure, cos- their toll on the levator muscle, causing it mesis, and symmetry between both eye- But what if droopy upper eyelids cover to separate from its insertion on the eyelid lids. These are usually outpatient proce- your eyes or hinder your vision, prevent- and leading to “ptosis,” one of the several dures with a return to home on the same ing you from seeing the eyes of others? causes of a droopy upper eyelid. Other day. Recovery is variable, but for most causes of ptosis include: patients, it takes about one to two weeks. Droopy upper eyelids can both impede n Hereditary ptosis Minor bruising or swelling can be expect- this nonverbal communication and n Excessive eye rubbing ed and will likely resolve during that time. block vision, creating serious safety n Traumatic injury to the nerve that stimu- and quality of life issues. Droopy eye- lates the levator muscle or to the muscle itself In considering ptosis surgery, patients lids may not be functionally bothersome n Cataract surgery should understand that even the most but rather an aesthetic or cosmetic n Stroke, tumors or diseases such as my- skilled surgeon cannot control all the vari- concern. They can impact your appear- asthenia gravis ables that determine the final position of ance, making you look tired, sleepy, or the eyelid. It’s possible the eyelid will be older than you may be. Normal age-related loss of skin elasticity and higher or lower than desired, which can be weakening of the connective tissue of the up- revised at a later point once swelling has Droopy eyelids that limit or block vision per eyelid may also lead to an appearance of resolved. The vast majority of patients are should be diagnosed and managed by a excess or redundant upper eyelid skin that pleased with the improved position of their medical professional. Symptoms include: “weighs” the eyelid down, touches the lid’s lid(s) and their appearance. As with any n Not being able to see the upper part of margin and/or eyelashes, and in some cases surgery there is potential risk for occur- the visual field; causes a “hooding” effect on the lid. This is rence of complications such as bleeding n Forehead ache from increased effort called “dermatochalasis,” another cause of a and infection, though this is uncommon. needed to raise the eyelids; droopy upper eyelid. Your surgeon will need to know about any n Needing to tilt the head back or lifting blood-thinning medications you are on as the eyelid with a finger to see from under Whether you are bothered by the ap- well as your detailed medical history. the eyelid; pearance of droopy eyelids or are ex- n n n n Eye strain and eye fatigue, especially periencing functional vision impairment, Dr. Mamta Shah is an oculoplas- when reading. you should know that both ptosis and tic surgeon, board-certified by the dermatochalasis are treatable. Your pri- American Board of Ophthalmolo- A thorough knowledge of the delicate up- mary care physician can recommend gy. She completed her medical per eyelid anatomy helps diagnose each a specialist known as an “oculoplastic degree at Boston University School of Medicine, and her resi- patient’s specific concern. A group of surgeon” who will conduct a thorough ex- dency in Ophthalmology at SUNY Downstate muscles work in synchrony to open and amination to determine the cause of your Medical Center in Brooklyn, NY. Dr. Shah com- close the eyelids during one, single blink. droopy eyelid(s) and, depending upon pleted an Ophthalmic Plastic and Reconstruc- Good eyelid closure keeps moisture in severity, recommend either surgical or tive Surgery fellowship at Allegheny Health Net- and prevents the ocular surface from dry- non-surgical treatment options. work in Pittsburgh, PA. She practices at CareMount Medical’s Mount Kisco campus and ing out or being exposed to harmful toxins at Putman Hospital Center and she is affiliated in the environment. A specific upper eye- For severe ptosis, surgery is usually rec- with Northern Westchester Hospital. Learn lid muscle, known as the levator muscle, ommended to strengthen and tighten the more at CareMountMedical.com

westchesterseniorvoice.com 18 winter 2020-2021 Sit Down Greenwich and Move! Excellence in Dementia Care Social Creatures, a nonprofit organiza- tion working to keep people socially con- nected and to promote overall health and happiness, has created Sitness, a new fully-seated fitness program appropriate for all ages and mobility levels. Requiring no equipment, Sitness classes are led by Alex Blunt (pictured below), a world class trainer of elite and Olympic-level athletes.

Founder and Executive Director Rose Perry, Ph.D., a neuroscientist and physiolo- gist at New York University, comments, “We are just doing our best to make sure everyone can stay active and socially connected dur- ing the pandemic.” In response to the health The Greens at Greenwich crisis, the team at Social Creatures acted DISCOVER quickly to create this Zoom-based group fit- ness class - born out of the lack of inclusive Your silver lining, your answer for the best care home group exercise offerings for people of for your loved one with memory impairment. varying mobility. Says Perry, “We knew we had to come up with a solution – and fast – to The Greens at Greenwich has been providing excellence in Dementia Care keep everyone physically active and socially for over 20 years. Whether you call it memory care, Alzheimer’s Care or Dementia Care, we are the for your loved ones new normal. connected throughout Covid-19.” silver lining

Celebrating Your Loved Ones New Story • Memory shifts and fades throughout our lives—it is a combination of partial memories, fiction and new realities—stories live forever. • We celebrate the gift of the story through creative arts therapy, the new best medicine for memory care. • We are the recognized leader in the field and the only assisted living community to provide creative arts therapies by licensed and accredited staff.

Ensuring Safety and Clarity • We provide emotional, environmental and personal safety. • Our staff is carefully selected for qualities of compassion, empathy and a passion for working with this population. • Our extensive training and support are reflected in the longevity of our staff. Classes are structured to include breath- Providing Dignity, Empowerment and Family work and trunk stability instruction, mobil- • We understand the disease related to memory loss and guide your loved ones as ity training, strength and cardiovascular they change and help them find coping skills related to their new normal. training, and a cool-down. Exercises vary • In their new journey they find empowerment and enrichment through daily activities and care. from week to week; some weeks focus more on one area than another, such as • New friendships and connections provide self affirmation. the correct way to breath. Discover how The Greens Family may be your silver lining. We continue to be COVID-free. Conveniently located on Those interested in the program can ei- the Westchester/Connecticut border. ther go to YouTube.com and search for “Sitness” to find the 40- to 50-minute Zoom video classes that have already SCHEDULE A VIRTUAL TOUR TODAY. been recorded, or reach out to Dr. Perry at Call Maria Scaros, Executive Director • 203.531.5500 [email protected] to get links [email protected] • thegreensatgreenwich.com to the live Zoom classes.

winter 2020-2021 19 westchesterseniorvoice.com THE ESSAYIST

word play

BY KIM KOVACH

We all want to keep our minds sharp. York Times crossword editor proposed in- and strategies, and also to make social Experts tell us to eat fish, stay hydrat- cluding a crossword puzzle as a welcome connections.” Sandi, a Westchester resi- ed, exercise, and get enough quality distraction for readers shortly after the dent, adds, “Playing board games gives U.S. entered into World War II. She re- us a sense of accomplishment and it’s sleep. But here’s a fun fact – you can portedly sent a note to the Sunday editor fun!” More word play games you may boost mental agility and cognition by ending with the heartfelt statement, “You want to try include Blank Slate, Word- playing word games! can’t think of your troubles while solving smithery, Upwords, Boggle, and Quiddler. a crossword.” The first New York Times Try solving the crossword puzzle in the crossword appeared in their Sunday THERE’S AN APP FOR THAT! newspaper. Play word games on your magazine on February 15, 1942. Word game apps for your smartphone smartphone while waiting in the doctor’s provide the convenience and portabil- office. Turn the television off after din- HUMBLE BEGINNINGS ity of boosting your brain power right in ner and break out the board games for a Perhaps you prefer a competitive game the palm of your hand. New versions of little cerebral fun. of Scrabble. The original idea for this the popular game Words With Friends ubiquitous word game arose during the now include solo challenge events and “Use it or lose it,” as the saying goes. By Great Depression. An unemployed archi- lightning rounds. Sandi enjoys the social simply sitting down to focus on a word tect from Poughkeepsie, Alfred Mosher aspect of playing Words With Friends game or crossword puzzle, you are help- Butts, wanted to create a challenging online with a group. “I also discovered a ing to boost word retrieval, expand your word game that combined the elements free app for a game called 7 Little Words vocabulary, and stay mentally alert and of skill, strategy and chance. Originally which I’ve been playing a lot.” active. Word games also improve prob- called Lexiko and played with letter tiles lem-solving skills, enhance concentra- only, Alfred kept refining the game dur- More word games you can play on your tion and relieve stress! ing the 1930s and 1940s, adding a game phone include Wordscapes (combin- board and changing the name to Criss- ing crosswords and word search), Al- HISTORY OF THE Cross Words. Unfortunately, game man- phabear (a word strategy game), Four CROSSWORD PUZZLE ufacturers were not interested. Letters (a timed word search) and, of The first crossword puzzle was published course, the New York Times Crossword in the New York World newspaper in Alfred then teamed up with entrepre- and Scrabble. 1913. The paper’s editor had asked jour- neur James Brunot to design the ver- nalist Arthur Wynne to invent a new word sion we know today. The name Scrab- “Scrabble on the computer is unbeliev- game to include in the Sunday entertain- ble was trademarked in 1948. Legend able!” says Sandi. “It’s a great way to learn ment section. The first puzzle, published has it that the president of Macy’s de- strategies when the computer shows you on December 21st of that year, was called partment stores discovered the board the best words you could have made with Word Cross and designed in a diamond game while on vacation in the early your letters to score more points. So you shape. Over the next 20 years, the new 1950s. Within a year, the game was are playing, and having fun and learning word game puzzle gained popularity in sold in stores nationwide. - which is fantastic!” newspapers across the U.S. n n n “I love Scrabble!” says Sandi Sacks, a Kim Kovach teaches fiction writing The New York Times was the last ma- social worker and lifelong learning advo- and creative nonfiction writing for jor daily newspaper to offer a crossword cate. “Playing board games is important adults in Westchester and Fairfield. puzzle. Margaret Farrar, the first New for cognition when we try new challenges www.kimkovachwrites.com

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winter 2020-2021 21 westchesterseniorvoice.com BOOMING BETTER TRAVEL

The #1 Domestic Vacation BY FRANK BASTONE

Can you guess what the top domestic va- cation was for North Americans in 2019? If you said “Alaska,” you are correct!

More specifically, the winner was Alaska cruises. According to a Travel Leaders Group survey, 38 percent of respondents booked a cruise to Alaska. In fact, it was the top destination three years in a row.

One of the most popular ways to ex- perience Alaska is with a land and sea cruise tour. You may choose the land portion prior to or after your cruise, but I recommend the pre-cruise option to my clients. This way, you can explore the wonders of nature up-close, followed by relaxation on your cruise ship as it trav- els a southern itinerary along the Alas- kan coast. A typical land tour includes Denali State Park and Anchorage. The Your final stop on the land excursion is known as the “Salmon Capital of the more adventurous fly into Fairbanks to is Anchorage, which is near the Whit- World” and it is truly the beginning of the begin their Alaskan adventure and jour- tier cruise port where you will embark last frontier, located at the southernmost ney southward. for your cruise experience. One of entrance to the Inside Passage. The the highlights of the cruise is spending cruise ends in Vancouver, British Colum- The Gold Rush town of Fairbanks is the an entire day among the spectacular bia, where you will disembark. You might gateway to the Arctic. One of my clients scenery and wildlife of Glacier Bay - a spend a night there to explore the city or selected the Arctic Circle Air and Land UNESCO World Heritage site. The fly home. Adventure; with it, came stunning views National Park rangers onboard provide of the Yukon River Valley and the Trans- expert and insightful narrations on what Undoubtedly, there are many wonder- Alaska Pipeline. They landed just east can be seen from the deck. You might ful experiences that await you on a of the gates of the Arctic National Park witness a breaching humpback whale land and sea tour of Alaska. You may and explored the amazing tundra with or a family of bears feeding on salmon even opt to include your children and its stark landscape. Upon their return to along the shoreline. grandchildren on the experience, as Fairbanks, they were awarded an Arctic these family connections and memo- Circle Adventure Certificate. Depending on the cruise itinerary, the ries will last a lifetime. Due to their im- ports of call in Alaska could include mense popularity, advance planning of The two sister cruise lines Princess and Skagway, Juneau, and Ketchikan. between nine to 12 months is recom- Holland America are the industry leaders Skagway is home to the Klondike Gold mended. So, make it a project, get all for Alaska cruise tours. They each built Rush National Historical Park. While the travelers involved, and enjoy the fun their own lodges (Wilderness Lodge and there, you can take a Yukon Dog Mush- and anticipation together.

McKinley Chalet) at the doorstep of De- er Adventure Tour. n n n nali State Park. In addition, they operate Frank Bastone is the owner of Pin- the largest fleet of glass-domed railcars Juneau is one of the ports of the Inside nacle Trips, a travel advisory compa- in Alaska - providing comfortable seating Passage, which is one of the greatest ny specializing in domestic and inter- with amazing views, spacious observa- cruising routes in the world. It is a pro- national vacations for baby boomers. tion lounges, leisurely dining and out- tected network of glacier-cut fjords and He can be reached at 845-669-6149 door viewing platforms. lush temperate rain forests. Ketchikan or [email protected]

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westchesterseniorvoice.com 22 winter 2020-2021 winter 2020-2021 23 westchesterseniorvoice.com SENIORS LEADING THE WAY

THE MANY FACES OF Volunteerism BY ROSEMARY BLACK Three years ago, when Jackee Cannino of Somers retired, she became one of 850 active volunteers making a differ- ence in Westchester through RSVP of Westchester (Retired and Senior Volunteer Program) and its umbrella organization Volunteer New York!

And while the pandemic has affected some of her volunteering efforts, it hasn’t dampened her commitment, enthusiasm and willingness to help out wherever needed. The former educator, who spent 44 years as a teacher and school admin- istrator, is still providing rides to ages 60 and older through RideConnect, a non- profit partner of RSVP of Westchester.

“I’m a people person,” Cannino says. “And the people I have met while being a driver are some of the most incredible, intelligent, gifted, professional and in- teresting people you could ever hope to meet. I drove one man who is 102 years old and is still so active.”

Devoting 15 hours a week to RSVP, Transformational Award Recipient Duke Searles Cannino is just one of many older West- chester County residents who volunteer, though the pandemic has curtailed most needs volunteers,” she says. “Seniors some of them logging 20 or more hours face-to-face contact with many of those bring a lot to the table. They have a wide weekly. They love what they do, and al- they help, the volunteers continue to do range of past experiences and volun- a lot of behind-the-scenes work. Can- teering lets them use their skills to effect RideConnect, a not-for-profit program of Fam- nino, for instance, spends time each change and to feel engaged.” ily Services of Westchester, has continued to week on Zoom meetings for her various serve the senior community during the pan- volunteer commitments with RSVP, and While some volunteer positions have dis- demic - with open arms and hearts. Over 600 she is now on their advisory committee. appeared, many others remain open. “A volunteers signed up to help with their Shop and lot of the educational opportunities can Drop program. In the course of three months, RSVP of Westchester Director Wendy be done over the phone or on Zoom,” drivers delivered over 9,000 meals and grocer- Armstrong notes there are scores of vol- Armstrong says. “And we still need driv- ies, "all because of the kindness of volunteers unteer opportunities, even in the midst of ers to help out. We also have an active of all ages - from high school and all the way the current health crisis. “Every one of the Zoom program so volunteers can work up," says RideConnect Director Karen Ganis. organizations we work with consistently with children and in other educational op-

westchesterseniorvoice.com 24 winter 2020-2021 SENIORS LEADING THE WAY portunities. We have tech teams that can Joe Rodriguez was also an educator: help seniors learn to use the software.” a teacher, an assistant principal and a principal in various schools in the Most of the RSVP of Westchester vol- metro area before retiring in 2018. The unteers are in their 70s, observes Arm- Eastchester resident had been volun- strong, followed by people in their 60s teering for some years, but took on and in their 80s. “Some are still actively more commitments post-retirement. volunteering at age 90,” she marvels. At RSVP of Westchester, he’s been For Cannino, retirement was short- a literacy mentor, a driver with Ride- lived. Accustomed to driving 80 miles a Connect, and a participant in Con- day round-trip to her job in the Bronx, versation Partners. “For Conversa- where she worked with special needs tion Partners, we would meet up students, she missed the personal con- with a student learning English and tact with people and began volunteering just converse with them,” he recalls. just a few months after retiring. “You meet such interesting people, and you learn a lot. It’s amazing Initially working about 15 hours a week what you learn.” as a volunteer driver with RideConnect, she involved herself with other projects, The pandemic has halted some of and was then asked to be on RSVP’s the programs Rodriguez used to work advisory committee. “We meet every with but he still delivers food every three months - now virtually,” Cannino Thursday through RideConnect. He explains. “The pandemic slowed things and the other volunteer drivers pick up down a little, but we still are able to do the packaged food from a food bank a lot. We plan events to support our vol- and then drive it to families in need. unteers and we schedule speakers. We “It’s just nice to help people,” he says. didn’t have to stop volunteering.” “And I like to lend a hand.” RSVP of Westchester's Jackee Cannino “We try to keep the lines of communica- Duke Searles, the food pantry manager tion open virtually between our volunteers for VA Hudson Valley Health Care, be- for him that the pantry isn’t able to open and those who need help,” she says. “And gan as a volunteer 21 years ago. The dis- up more than two days a week [during people could not be more appreciative. It abled Vietnam veteran, who served from the pandemic], he is still working at least takes up time. And it can take a couple of 1967 to 1968, suffered from PTSD and a 15 hours a week. “Volunteering is my substance way of giving back,” says the married abuse dis- father of two grown children. “I got the order af- help I needed - when I needed it - by ter he was very qualified people. I know how much discharged veterans need this service.” Searles from the was awarded the Volunteer New York! military. He Transformational Award at the organiza- struggled, tion’s (virtual) service awards fundraiser enduring in April of 2020. homeless- ness and For volunteers like Searles, Cannino hopeless- and Rodriguez, volunteering is more ness before than an opportunity to help others, it is a getting into way to improve their own lives, they say. a rehab Of the volunteers, Armstrong praises program in them as smart, savvy, patient and good 1999 when listeners. She adds, “Our volunteers get Left to Right:Catherine Chiu, Sha Fagan, RSVP Director Wendy Armstrong he was 53. to stay engaged and be part of some- Soon after, thing bigger.” hours if you drive someone to the doctor he began work at the Montrose VA Food n n n and then wait for them to be seen before Pantry, picking up food and distributing it. Rosemary Black, a mom of seven and a driving them back [home]. But it didn’t Now 74, he is the supervisor, administra- resident of Pleasantville, NY, writes fre- take away anything from the quality of my tor, and manager of the food pantry. quently on health, nutrition, parenting, life - while definitely increasing the quality and food. She is author of six cookbooks, of life for someone else.” While it has been a source of frustration including The Marley Coffee Cookbook.

winter 2020-2021 25 westchesterseniorvoice.com NEIGHBORS FEEDING NEIGHBORS

MORE FACES OF Volunteerism BY DONNA MORIARTY Wherever people are in need, you are likely to find volunteers. Many, if not most, of these volunteers are 55 and older.

This is certainly true at Feeding West- chester (FW), the nonprofit formerly known as the Food Bank for Westches- ter. Volunteers, many of whom are baby boomers and seniors no longer bound to the needs of careers or young children, comprise the bulk of FW’s staffing.

Feeding Westchester operates a distri- bution network that provides meals and groceries to food insecure county resi- dents. Their supply chain relies on about 300 partners who collect donated and recovered groceries, fresh produce and meals, distributing them to food pan- tries, soup kitchens, shelters, daycare and residential programs, and FW’s own mobile food pantry. In 2019, the organi- zation delivered the equivalent of 10.5 million pounds of food and 8.75 million meals to county residents — numbers that have been climbing dramatically since the start of the pandemic.

“A lot of people in Westchester believe hunger exists somewhere else,” says Karen Erren, FW’s president and chief executive officer. “Last year our network was serving about 150,000 county resi- dents each month. During the peak of the pandemic in New York, that number Bob and Leah Ewoldt at Feeding Westchester rose to 351,000.” 60,000. She says the thought of hungry going to make sure they get it,” she says. Older people needing food assistance people just like themselves often prompts “This is neighbors feeding neighbors.” are on the rise, too. Last year, says older adults to get involved. “Many volun- Erren, FW helped about 21,000 seniors teers will say, I know there are people in Angela Usobiaga, 76, a retired nutritionist per month; in 2020, it’s been closer to my community who need food, and I’m and health care administrator, has lived

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westchesterseniorvoice.com 26 winter 2020-2021 winter 2020-2021 27 westchesterseniorvoice.com most of her life in Pleasantville. matter-of-factly. “It makes “There’s so much unmet need,” sense to feed people who are she says. Raised in a large fam- hungry,” says Bob, and Leah ily, she learned early to pitch in. adds, “It’s just being human to “You were always helping your want to help.” grandmother or watching some- one’s kids.” In March, the pandemic hit FW hard. Stay-at-home orders Once her own children were in meant sidelining volunteers school, Usobiaga began volun- whose tasks brought them in teering. A lot. For 20 years she close contact with others. When was a first responder with the a cluster of COVID-19 cases in Pleasantville Ambulance Corps. New Rochelle led officials to She has helped organize com- cordon off a one-mile contain- munity blood drives and volun- ment zone, the National Guard teered for organizations devot- was called in. Their assignment ed to the arts, the environment, included maintaining operations and the welfare of women and at Feeding Westchester, which children. Her background in nu- relies on 11,000 volunteers an- trition and public health led her nually. Says Erren: “It was the to Feeding Westchester where, only way this team could meet until the pandemic, she volun- Retired Nutritionist Angela Usobiaga the increased need.” teered several mornings a week. cooking with them in their homes,” she Feeding Westchester has re- Usobiaga’s transformative volunteer mo- says. She also taught catechism and sumed operations with the strict health ment occurred when she went out with clocked many hours with the PTA and lo- and safety practices that have become the mobile pantry for the first time. “It cal arts organizations. necessity. After the Guard was released was the middle of winter, and there was from service, die-hard volunteers like a line of seniors around the block, wait- When Bob retired in 2011, he found the Bob and Leah Ewoldt began returning to ing for hours in the cold for a bag of gro- days looming large and empty. He dis- their posts, although some activities had ceries,” she recalls. “Until that moment, I covered Feeding Westchester and began to be scrapped. Leah says she misses working with the high school students but believes her volunteer work is still vital to hungry people. “What we do doesn’t just enrich their lives, it’s helping them be alive,” she says.

For Angela Usobiaga, who has never seen the point of sitting on her hands while there is so much need in the world, volunteering makes her a happi- er person. She notices a certain cantan- kerousness that some older adults de- velop as their world becomes smaller. didn’t know what hungry people looked devoting several mornings a week to or- “When you stop paying attention to the like.” To Angela Usobiaga, they looked ganizing and packing food for distribution. needs of others and focus only on your like her neighbors. Before long, Leah joined him. “Volunteer- own, you get cranky and demanding,” ing gives you structure and purpose,” he she observes. “Whatever your physical Bob and Leah Ewoldt are typical of says. “You know what you’re doing on or mental capacity, there’s [a volunteer many Westchester residents of the Tuesday and Thursday, and when your position] you can do. If you’re alive and same age cohort. Bob, 71, devoted 30 shift is over, you’ve helped someone.” breathing, there is no reason not to help years to a career as an insurance ex- other people.” ecutive while Leah, 68, stayed home to Leah, not one for lifting the heavy crates n n n raise their two children. at the FW warehouse, found her niche Donna Moriarty is a lifelong writer, editor working with small groups of special and author who writes about education, Leah got the volunteer ball rolling. “I’ve needs teens, packing lunches for food wellness, and personal development. insecure school children. She and her husband are Ossining resi- always had a soft spot for seniors, so I dents, with three grown children and started volunteering with my church, tak- two elderly dachshunds. Learn (and ing older members to appointments or The couple speak of their service hours read) more at www.silversmithwriting.com

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ONE PALMER AVE . BALDUCCI’S PLAZA I SCARSDALE I NY I thegeigersternteam.raveis.com westchesterseniorvoice.com 28 winter 2020-2021 winter 2020-2021 29 westchesterseniorvoice.com Best Soups and for Stews Winter The experts agree. Whether you love winter or it simply leaves you cold, the best antidote is a steaming bowl of comfort food. Here, we share some favorite soup and stew recipes - provided by friends of Westchester Senior Voice. They deliver exactly what the season calls for!

Corn Chowder By Karina de la Rosa, Chef Manager Phelps Hospital/ Northwell Health in Sleepy Hollow, NY phelps.northwell.edu; 914-366-1150

"At 70 calories per four-ounce serving, this chowder is easy to prepare and always delights."

INGREDIENTS 1 Tbsp olive oil 2 cloves garlic, chopped 1 Tbsp jalapeno, minced 1 small/med. onion, diced 30 oz. frozen corn 2 small/medium yukon potatoes, diced 1 1/4 cups coconut milk 2 cups vegetable stock 1 Tbsp salt 1-2 tspn black pepper

DIRECTIONS In a large pot over medium heat, add the olive oil, onion, garlic, jalapeno, diced potatoes and corn. Sauté until potatoes start to soften. Slowly stir in coconut milk and broth. Season with salt and pepper and reduce heat to a simmer until potatoes are tender. Blend half the soup in a blender and return to pot (or use an immersion blender). Reheat if needed. Serve immediately.

westchesterseniorvoice.com 30 winter 2020-2021 Best Soups and Stews Chicken Cacciatore By Richard Lipari Culinary Institute of America-Trained and Executive Chef at The Osborn in Rye, NY theosborn.org; 914-925-8000

"This chicken cacciatore is a stick-to-the-ribs Italian favorite that warms the stomach and the heart on a cold night.” Best Soups andfor Stews Winter INGREDIENTS 1 cup peas 6 boneless, skinless 1 cup mushrooms, sliced chicken thighs 1 cup red wine 4 cloves garlic, smashed 2 24-oz. jars of your favorite store brand marinara sauce (or your 1/2 cup onion, diced own homemade sauce) 2 Tbsp oregano 2 large carrots, diced 1 Tbsp thyme 2 large Idaho potatoes, peeled olive oil and diced flour DIRECTIONS Sauté garlic, onion, oregano and thyme in olive oil until aro- matic. Then transfer to a bowl. In the same pan, sauté lightly floured thighs until golden brown. Next, pour in the red wine and tomato sauce. Then add remaining ingredients. Bring to a boil and then reduce heat to a simmer; cook covered for 1 to 1 1/2 hours. The longer, the better. Serve in a soup bowl with some pasta or a nice loaf of Italian bread or both. Note: Don’t worry about using a jarred sauce. When cooking is done, you won’t even know!

Creamy Leek and Wild Mushroom Soup From Yorktown Assisted Living 2276 Catherine Street in Cortlandt Manor, NY yorktownal.com; 914-737-2255 "Two of our favorite veggies - mushrooms and leeks - combine here for the perfect winter soup." INGREDIENTS 2 sprigs of thyme 2 leeks, chopped (use white 3 Tbsp all-purpose flour and light green parts) 1 cup dry white wine 4-5 oz. each of cleaned fresh shiitake, 1/2 cup heavy cream portobello and cremini mushrooms 1 cup half-and-half 1 Tbsp extra virgin olive oil handful of fresh flat-leaf 1 stick butter parsley, chopped 1 medium yellow onion, chopped sea salt and black pepper DIRECTIONS Clean and chop mushrooms into large bite-sized pieces. In a large pot, heat olive oil and about a tablespoon of the butter. Add half the chopped mushrooms, all of the onion, one sprig of thyme, and large pinch each of salt and pepper. Cook over medium heat until veggies are softened - about 10 minutes. Add 6 cups water, bring to a boil and lower the heat. Simmer for 20 to 30 minutes. Strain, separating and saving the veggies and liquid stock. In a separate large pot, heat remaining butter and then add the leeks. Cook over low heat for 15 to 20 minutes, until leeks turn a light brown. Add the remaining mushrooms and cook for 10 minutes - until tender. Add the flour and cook another minute. Add the wine and scrape up bits from the bottom of the pot. Add the mushroom stock, thyme leaves from the second sprig, and generous pinches of salt and pepper and bring to a low boil. Lower heat and simmer for 15 minutes. Add the half-and-half, cream, and parsley. Taste and add salt and pepper as needed. Makes 4 to 6 servings.

winter 2020-2021 31 westchesterseniorvoice.com Best Soups and Stews

Vegetable INGREDIENTS 16-20 store-bought wonton Wonton Soup 2 Tbsp extra virgin olive oil By Rubina Heptulla, MD 10 cups water Millenium Medical and Rehab 1 Tbsp lemon juice 1075 Central Park Ave. in Scarsdale, NY 1 medium onion, sliced - not mmrclinic.com; 914-472-2700 too thickly 1 small beet cubed "This soup satisfies your hunger - 1 large carrot cubed and your taste buds - while providing 1 stalk celery, 1" pieces many vitamins and minerals, calcium, 1 bunch bok choy, 1" pieces iron and magnesium - along with Small bunch of cilantro roughly anti-inflammatory properties from the chopped (save a few sprigs for garlic, ginger and turmeric." garnish) 1 fresh ginger root, sliced DIRECTIONS 2 cloves garlic, minced Heat a deep saucepan and add oil. When hot, add 1 small root turmeric onions, garlic, ginger, turmeric and cook until they are 2 bay leaves transparent. Add the beet, carrot and celery and cook 2 small cardamoms for 2 minutes. 1 star anise Stir in all the spices and cook another 1 to 2 minutes. 1 small cinnamon stick Add 10 cups of warm water, salt and ground pepper. salt and ground pepper to Let simmer for 25 minutes. Add wontons and cook for taste an additional 10 minutes (or per package instructions Tip: Buy organic veggies at for cooking the wontons). Add the bok choy, cilantro and your local farmers market! lemon juice. Heat through. Serve with garnish of cilantro. (Add more or less vegetables or small amount of barley as desired to make it a hardy meal.) Serves 4.

Hungarian Goulash By Karen J. Schwartz of Geriatric Care Consultants 2001 Palmer Ave. in Larchmont, NY gericareconsultants.com; 914-833-0288

"My kids love to be invited over for this family meal which also works beautifully for holidays!"

INGREDIENTS 2 15-oz. cans beef 2-3 lbs. veal, cubed bullion/broth 1 cup flour 1 package broad egg 1 tspn salt noodles 3 Tbsp paprika (a lot!) Optional: 1 1/2 cups 1/2 tspn nutmeg sour cream, 1 1/2 cups 1/2 cup (or less) olive oil chopped parsley

DIRECTIONS Mix flour, salt, paprika, nutmeg in zip lock bag or large sealable container. Shake and blend. After rinsing veal cubes, add to mixture and shake to coat veal thoroughly. Add oil to large cooking skillet and warm to medium heat. Place entire contents of bagged veal mixture in pan. Brown meat on all sides slowly. Add bullion and cover. Simmer 2 to 2 1/2 hours, until tender. If you like, add parsley and sour cream to meat mixture before serving. Spoon over cooked noodles. Generously serves 8.

westchesterseniorvoice.com 32 winter 2020-2021 Best Soups and Stews New England Clam Chowder From The Knolls / A Bethel Community 55 Grasslands Rd. in Valhalla, NY theknolls.org; 914-721-0855

"The thickest, creamiest, best-tasting homemade clam chowder you've ever had. Easy to make and delicious.” INGREDIENTS 1 Tbsp butter 1 tspn white pepper 1 small white onion, 2 cups potatoes, diced chopped (about 2 medium potatoes) 1-2 stalks of celery, 4 6.5-oz. cans chopped chopped clams or 1 1/2 cups 3 Tbsp flour fresh chopped clams 1 tspn thyme 3 cups milk 1 cup clam juice salt DIRECTIONS In a 4-quart pot, melt butter over medium heat. Add diced onion and celery. Sauté until tender and translucent. Add flour to thicken. Add clam juice, white pepper, potatoes and herbs. Simmer about 30 minutes to soften potatoes and incorporate flavors. Add milk and chopped clams. Bring to boil. Remove from direct heat. Salt and more pepper to taste. Serves 4.

Thai Beef Stew By Ann Marie Kiggins Chef/Food Services Director at The Chelsea at Greenburgh 715 Dobbs Ferry Rd. in Greenburgh, NY chelseaseniorliving.com; 914-275-0010

"This beef stew is light and delicious - so many flavors marry together to create a whole new food experience."

INGREDIENTS DIRECTIONS 4 stalks lemongrass, thinly sliced 1 cinnamon stick Process lemongrass, lime leaves, garlic, ginger and chilis into a 4 garlic cloves, chopped 1/2 cup soy sauce paste. Season beef with salt and pepper and brown in olive oil. 4 kaffir lime leaves, chopped 1 Tbsp fish sauce Add paste to pot and cook till softened, 5 to 8 minutes. Add anise, 2 red Thai chilis, sliced 1/4 cup light brown sugar cinnamon, soy sauce, fish sauce, brown sugar, and 10 cups water. 2 Tbsp ginger, chopped 4 shallots, quartered Boil, skim off foam, reduce heat and simmer 2 1/2 to 3 hours, 3 lbs. beef stew meat 1 lb. carrots, cut into 2-inch pieces until beef is tender and sauce is thickened. salt and pepper to taste 4 scallions cut into 2-inch pieces Add shallots and carrots to stew and cook partially covered until 2 Tbsp olive oil 8 oz. wide rice noodles vegetables are soft and beef is falling apart. Mix in scallions. 2 whole star anise Garnish: lime wedges Cook noodles. Serve stew over noodles with lime garnish.

winter 2020-2021 33 westchesterseniorvoice.com Best Soups and Stews Vegan Lentil Soup By Asha Shrestha, MD, CareMount Medical Rheumatologist 90 S. Bedford Road in Mount Kisco, NY caremountmedical.com; 914-241-1050

"Enjoy this heart-healthy soup on those cold, winter days and all year long!”

INGREDIENTS 1 cup lentils 1/2 cup tomatoes, 1/2 cup onions, finely chopped chopped salt to taste 1/8 tspn cumin seeds 3 cups water 1 garlic clove, grated Garnish: parsley 2 tspn olive oil or coriander

DIRECTIONS Heat olive oil over medium heat. Add cumin seeds until dark brown. Add garlic until light brown. Add onions, stir until light brown.Then add tomatoes and cook for a minute. Add the lentils, stir for 30 seconds and add the water. Bring to a boil. Reduce heat and simmer for 20 minutes, making sure the lentils are cooked well. Add salt to taste. Garnish with parsley or coriander and serve. Optional: Swap the water out for vegetable broth.

Filet of Beef Stew with Truffle Bordolaise Sauce By Executive Chef Michael Sherman at The Greens at Greenwich in Greenwich, CT thegreensatgreenwich.com; 203-531-5500

"“If you are looking for comfort food, our Chef Michael is your man!”

INGREDIENTS 4 bay leaves 16 oz. filet mignon, cubed 1 bunch chives 2 medium white onions, 8 whole peppercorns diced 3 cans beef broth (low 2 medium carrots, diced sodium) 6 shitake mushrooms, 2 oz. truffle oil quartered; put stems aside salt and pepper to taste 3/4 cup red wine Garnish: chives, paprika 4 sprigs rosemary For Roux: 1 bunch thyme 1/2 lb. butter 8 whole garlic cloves 1/2 cup flour DIRECTIONS In soup pot or rondeau, sear filet cubes. As cubes brown, add carrot, onion and 5 mushrooms (no stems). Cook 10-12 minutes on high heat, stirring. Add the red wine and cook for another 5 minutes. Add beef broth and stir. In a cheese cloth, combine thyme (uncut), rosemary, garlic, bay leaves, stems from shitake mushrooms, and peppercorns. Tie cheesecloth and add to stew. Cook 1-1/2 hours uncovered on medium heat. Prepare Roux: Melt the butter and add flour. Stir until consistency of peanut butter. After stew has cooked 1 hour and 10 minutes (at last 20 minutes of cooking), add the roux to stew. When the stew has finished cooking, remove cheesecloth and stir in the truffle oil Let stand a few minutes and serve over mashed potatoes with root vegetables (Brussel sprouts, butternut squash and parsnips). Serves 4.

westchesterseniorvoice.com 34 winter 2020-2021 Best Soups and Stews Ginger Butternut Squash Soup By Chef Jose Diaz of Wartburg in Mt. Vernon, NY wartburg.org; 914-513-5126

"This soup is a delicious beginning to any meal . Butternut squash is an excellent source of beta carotene, which turns into much-needed vitamin A. And ginger improves the absorption and assimilation of essential nutrients in the body. INGREDIENTS 2 butternut squash (about 2 tspn fresh ginger, minced 4.75 lbs total, halved length- 2 garlic cloves, coarsely wise, seeded) chopped 2 Tbsp olive oil 5 cups chicken broth 2 cups yellow onion (thinly salt and pepper, to taste sliced) 1/2 tspn cinnamon powder 1 Tbsp golden brown sugar Garnish: fresh parsley

DIRECTIONS Preheat the oven to 350° F. Brush cut side of squash with olive oil and place on a baking sheet, cut-side down. Bake until skin is crinkly and squash is soft, about 40 minutes. Scrape flesh into a bowl with a spoon and set aside. Melt butter in a large pot over medium heat and cook onions until soft and translucent, about 5 minutes. Add squash flesh, 2 cups hot broth and ginger. Season with sugar, salt, and pepper. Bring soup to a boil, reduce heat, and simmer until flavors are well combined - about 15 minutes. Puree soup with an immersion blender until smooth. Add more hot broth for a thinner soup. Stir and season with cinnamon, as desired.

Moroccan Chicken Vegetable Soup By Susan E. Ross Publisher, Westchester Senior Voice

"This robust soup is a meal in itself, with plenty of vegetables, protein and heart-healthy spices.”

INGREDIENTS 6 plus cups water 2 celery stalks, chopped 1-2 chicken breasts on the 15 oz. can diced tomatoes bone, skin removed with juice 1 medium potato, chopped Bunch of curly parsley 1 yellow onion, chopped 4-5 oz. fresh baby spinach, 2 carrots, chopped stems trimmed (if picky) 1 yellow squash and 1 generous tspn cumin 1 zucchini, halved length- 1 generous tspn turmeric wise and chopped across sea salt and black pepper

DIRECTIONS Bring water, chicken, potato, onion to a boil in a large stock pot - covered. Add carrots, celery, yellow squash, zucchini and tomatoes. Once boiling again, lower heat and cook covered for 30 minutes. If water level has lowered more than a bit, add hot water and bring up heat again to a simmer. Add the (chopped) parsley. Cook another 15 minutes, still covered. Remove the chicken, shred it and place back in pot. Add the spinach, cumin and turmeric. In 10 minutes, taste and add salt and pepper as desired. Keep heating, covered, for another 5-10 minutes. (Serves a small gathering; freezes nicely.)

winter 2020-2021 35 westchesterseniorvoice.com WELLNESS COACH HEALTHIFY THAT RECIPE! Here are some recommended recipe modifications from Jessica, designed to Mindful Eating minimize caloric intake while allowing you to still enjoy your holiday faves. Any major change should be trial-run before During the Holiday Season the big event to avoid first-time disasters. BY JESSICA KISHPAUGH Make gravy from a low-fat broth in- It also increases the stead of using the drippings from poultry likeliness of overin- or a roast. Refrigerate the gravy to hard- dulging and overeat- en the fat and then skim it off the top. ing unhealthy foods. Use less bread and more onions, garlic, celery and vegetables in your stuffing. If PLAN YOUR your stuffing recipe calls for meat, replace SLEEP. If you plan half the meat with mushrooms, dried on staying out late, cranberries, raisins, or chopped dried try to fit in a nap or a apricots. Moisten with a low-fat broth. down day. Adequate sleep helps manage Remove skin and any visible fat from hormones and helps meat and poultry before serving. Bake keep those added instead of fry. pounds and stress- ors at bay. Cook fresh green beans with chunks of potatoes instead of cream soup. Top The holidays are almost here! How DRINK WATER. We often mistake with almonds instead of fried onion rings. will you stay sane and healthy(ish) hunger for thirst. Stay hydrated, especial- through it all? ly before heading to a party. Avoid sugary Add more veggies to your side dishes. beverages that actually precipitate ad- Salads and leafy dark greens can be su- It can be very easy to overeat at holiday ditional sugar cravings and make those per delish, filling and nutritious. events and gatherings. And even with the holiday cookies even harder to resist. pandemic limiting in-person get-togethers, Use skim milk, chicken broth, garlic many of us tend to view the holidays as a DON’T GO HUNGRY. Filling up on or garlic powder, and Parmesan cheese instead of whole milk and butter in time to submit to cravings and indulgences. protein or healthy fats before heading mashed potatoes. out to a holiday gathering will make It’s a long season, starting with Thanksgiv- you less likely to overindulge. Enjoy an For healthy holiday nog, blend to- ing pies and continuing through the new apple with peanut or almond butter, a gether four bananas, 1-1/2 cups skim year. So here are a few tips to watch your protein shake, a hard-boiled egg, or a milk or nut milk, 1-1/2 cups plain nonfat health without dieting or depriving yourself: slice of whole grain toast with avocado yogurt, and 1/4 teaspoon rum extract. or hummus. Puree until smooth and top with nutmeg. WEIGH YOURSELF WEEKLY. It’s not about obsessing over the number on EAT MINDFULLY. It’s so easy to hang Substitute two egg whites for each the scale, but weighing regularly will keep around the buffet table and eat continu- whole egg in baked dessert recipes. Re- you conscious of your weight so that you ally. So get a small plate, add a few items place heavy cream with evaporated skim don’t get scale shock when January 1st and then leave the food area so you aren’t milk in cheesecakes and cream pies. rolls around. tempted to keep digging in. Savor each Top cakes with fresh fruit or a sprinkle of bite. Chew slowly. Put down your fork and powdered sugar instead of frosting. EXERCISE. Move more or at least keep converse with the people around you. up your usual regimen. Don’t let the holi- You’ll end up more satisfied and less likely Jessica Kishpaugh is a Certi- days become an excuse for laziness. Exer- to go for seconds, thirds, fourths… fied Holistic Nutritionist and cise will not only help keep the belly away Corporate Wellness Consul- but will help you manage holiday stress. At the same time, it’s the holidays so now tant. She specializes in weight is not the time to restrict. Consider what loss, intuitive eating and stress LIMIT ALCOHOL CONSUMPTION. your top favorite holiday foods are, and reduction. She is also a speaker and wellness Alcohol increases our blood sugar level, go ahead and enjoy them. In moderation, educator; www.loyowellness.com; 914-815- which causes us to pack on the pounds. of course! 0414. [email protected]

westchesterseniorvoice.com 36 winter 2020-2021 REAL ESTATE

BY STEVEN GEIGER Making Winter Bearable AND ROSEMARY STERN As the seasons change and animals Keep Your Spaces Tidy: It’s a good to move or looking to improve your home go into hibernation, so do many time to get your house in order - whether environment, it’s essential to lay out ob- you are moving or not. Work lightens up jectives and, as you accomplish each homeowners. for many contractors over the winter, so project, enjoy your successes. you may be able to get lower prices to do During these unusual times, we can projects and freshen up your home. The Goals can be small or grand - or some- make winter more bearable by finding joy same applies to workspaces. You can be where in between. Whether it’s setting in small accomplishments and improv- more productive in work and life when up medical appointments, decluttering ing the livability of our homes. Here are you’re organized. Try to continually declut- and donating clothes, or working on your some ideas: ter and take care of small home projects. home, creating an agenda will save you time, energy and money. In the end, you’ll Add Indoor Plants: Plants contribute Reset and Recharge: Commit more of be energized by the satisfaction of getting to a healthy environment. Nurture them yourself to family and friends. Host small things done. Happy holidays to all! and they will nurture you. Consider bring- holiday gatherings while taking the neces- n n n ing a tree or two into your home. Rubber sary precautions. (The CDC warns large plants, umbrella trees and weeping figs gatherings are high-risk.) Practice self- Senior Real Estate Spe- all do well indoors. care and refill your own tank. Exercise, cialists (SRES) Rosemary stay fit, take up a hobby while still enjoying Stern and Steven Geiger bring an extensive and Use Essential Oils: Aromatherapy can traditions, the holidays and your routines. trusted network of re- bring the soothing effects of essential oils sources and professionals to their clients to as- into your home. Lavender relieves stress; Make Every Minute Count: Identify sist in all phases of the selling and buying pro- peppermint aids in digestion; chamomile your goals and then create a plan and a cesses. They can be reached at 914-263-5275 or lifts your mood; and the list goes on. “to do” list. Whether you’re getting ready [email protected]

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winter 2020-2021 37 westchesterseniorvoice.com RETIREMENT

Ready to Retire?

BY LAURA I. ROTTER

“What is the burning issue achieve freedom. Certainly, or electing COBRA. (The n What are you most looking that prompted you to call earning money and invest- health exchange is usually forward to in retirement? ing for growth are part of the less expensive than COBRA n What are you most con- me?” That’s the first ques- equation, but often the part but you have to be off it when cerned about in retirement? tion I ask people who reach we have the least control over. you turn 65. Also beware of n What, if anything, will you out for financial guidance. My “wealthiest” clients consis- penalties if you don’t sign up miss most about the job you Often, they want to know, tently live below their means for Medicare on time.) have today? “How soon can I retire?” and add to their savings each n How will your expenses n How do you plan, if at all, month. There is no magic for- change in retirement? It is to change your lifestyle in I have learned over time that mula for accumulating wealth. reasonable to assume that ex- retirement? there are many unspoken con- Discipline and patience are penses for travel and leisure n What would your ideal week cerns behind that question. the key strategies to move may increase when you first in retirement look like? How When I listen closely, I hear, you forward financially. retire, and then decline as you will you invest your time? “I am tired, I am stressed, and age. Per above, coming off a n What are some goals you how many more years do I Some specific financial ques- company health plan may also would like to accomplish or need to continue doing a job tions to ask yourself as you trigger higher health insur- experience in your lifetime? that is draining me?” near retirement include: ance premiums. And consider n Do you intend to engage expenses that may go down Depending upon your emo- More often than not, I also hear in part-time work when you or disappear altogether. tional relationship with money, people talking more about retire? Working part time may n How do you intend to re- you may never be completely what they are retiring “from” provide the sense of satisfac- place your paycheck? De- comfortable with spending the than what they are retiring tion you had in your full-time termine the stable sources money you spent your career “to.” Of course, it’s important career, while extending the of income available to you in saving. I encourage you to to clarify your financial capac- life of your retirement assets. retirement, including social se- work with a financial planner ity to replace your paycheck Keep in mind that earning a curity and pension income. As- to ease your concerns about when you are no longer work- high income can trigger ad- sess other anticipated sources your finances, and to help you ing, but it is equally important ditional surcharges for Medi- of income, such as withdraw- make your life in retirement to understand and plan for the care as well as impact your als from investment accounts; enjoyable and fulfilling. impact of leaving the working social security income, if you make sure you understand the n n n world and how that will affect elect to collect before your full tax implications as well as the you emotionally. Perhaps it is retirement age. risk profile of each account. Laura I. Rotter, CFA, time to redefine our goal from n How will you meet your MBA and CFP certi- that of retirement to financial medical expenses in retire- It is never too early to start fied, is founder of freedom: the ability to choose True Abundance Ad- ment? If you retire at age 65 thinking about your feelings visors, a fiduciary, how and where to spend our or older, you are able to enroll and attitudes about this time fee-only financial time and energy. in Medicare. If you are younger of life, and to start visualizing planning firm. She works with clients than 65, alternatives include what you want retirement to remotely or in person to help them Having worked on Wall Street being added to your spouse’s be and mean. clarify their goals and develop an in- tegrated plan to achieve those goals. for many years, I know the employer health insurance, Call her at 914-222-0832 or email emphasis is on the monetary purchasing insurance from the Some questions to ask your- [email protected] part of building wealth to health insurance marketplace, self include: to schedule a free initial consultation.

westchesterseniorvoice.com 38 winter 2020-2021 Meadowview Assisted Living Makes Life Easier and More Rewarding Meadowview’s priorities have never been more certain. We focus on quality care and service as well as resident protection measures, including testing, screening and the highest level of infection control standards as directed by our registered nurse and medical staff.

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westchesterseniorvoice.com 38 winter 2020-2021 winter 2020-2021 39 westchesterseniorvoice.com MEDICARE ADVISOR

What to Know About IRMAA Medicare Premium Surcharges BY ROBERT REMIN

Many of you may have Part B Premiums for 2020: retired or planning never heard of MAGI, Your 2020 premium is based on the following income levels: to be in the next few Your annual income: Your individual monthly years, is to begin as it’s a term used Individuals Couples, filing jointly premium in 2020: now to lower your mostly by accountants. Equal to or below $87,000 Equal to or below $174,000 $144.60 $87,001 -$109,000 $174,001 – $218,000 $202.40 MAGI. If reduced Nor may you know the $109,001 – $136,000 $218,001 – $272,000 $289.20 enough, you can acronym IRMAA or $136,001 – $163,000 $272,001 – $326,000 $376 lower the Medicare $163,001 – $499,999 $326,001 – $749,999 $462.70 how it relates to you. $500,000 and above $750,000 and above $491.60 surcharges as well as your overall tax Part B 2020 premium for married people, filing separately, is based on the following income levels: Here’s the scoop. If you burden. The lower- Your annual income Your individual monthly are a current HNW (High Married, filing separately Adjustment Amount premium in 2020 ing of your MAGI Net Worth) earner plan- Equal to or below $87,000 $0 $144.60 begins by contacting ning to retire soon or al- $87,001 -$413,000 $318.10 $462.70 your current team $413,000 and above $347.00 $491.60 ready retired, you have of advisors (CPA, perhaps learned the hard earned in the next bracket up, she would Financial Advisor, way about these terms - unless you’ve, be paying $376 each month. Trust and Estates Attorney, Certified Fi- hopefully, implemented strategies to avoid nancial Planner) and making sure they significantly higher healthcare costs. Another example: For married people filing know you are trying to manage your jointly, with a MAGI between $218,001 and MAGI as it relates to Medicare. When you retire and leave your employ- $272,000, each person in Part B Medicare er’s health plan or otherwise qualify for would pay a monthly premium of $289.20. There are a number of strategies that Medicare, you will register for Part B Medi- A married person who files separately and can be used: from lowering business or care, which has a monthly premium. That earns $100,000 (MAGI) gets hit even hard- personal income via more benefit con- premium is based on your MAGI (Modified er, paying a monthly premium of $462.70. tributions to various types of simple or Adjusted Gross Income) from your tax re- complex trusts and financial vehicles turn of two years prior. So for 2020, your Even if the main earner is not on Medi- that neither space nor my licensing al- MAGI has been calculated off your 2018 care and the spouse who may have lows me to go into in more detail here. tax return. For 2021, your 2019 tax return earned $0 is, if the zero-earning spouse If your current team seems not to get it, will be used, and so on from there. is not on the main earner’s work health you might want to think about a change plan, that Medicare spouse pays the as your healthcare costs and taxes need Here's where it gets tricky. The basic Part higher IRMAA premium because the pre- to be handled by professionals that have B monthly premium for 2020 is $144.60. mium is based on the joint filing. the experience and expertise to imple- Depending on your MAGI from 2018, the ment and execute a plan that will be the IRMAA (Income-Related Monthly Adjust- The Social Security Administration (SSA) most beneficial to you and your bottom ment Amount) surcharge, if applicable, checks your income every year to adjust line year after year. could have taken your individual monthly your Medicare premium. A higher bracket n n n Part B Medicare premium to as high as income in 2020 will result in higher pre- Robert Remin is a licensed and certified inde- $491.60. (Also remember the Part B pre- mium payments starting in January 2022. pendent agent with all Medicare carriers in New York, NJ and CT His only goal is to provide cus- mium is completely separate from any If the SSA does not lower your premium tomized solutions for your insurance needs. He Medicare private carrier supplemental plan when your income drops, you can send works with advisors well-versed in innovative and/or prescription drug premium you pay.) them your tax return and they will refund tax strategies. For questions or a free consulta- any overcharges paid. This often hap- tion, contact Robert at 914-629-1753 or email Per the chart on this page, a single filer pens with change of life circumstances [email protected]. Learn about 2021 Medicare options in Robert’s next whose MAGI was between $109,001 such as a divorce. Free Zoom class: Solving the Medicare Puzzle/ and $136,000 in 2018 has been paying Medicare Myths Exposed. Call, text or email for next $289.20 monthly in 2020 for Part B. If she My suggested solution, whether you’re class dates. www. robertremininsurance.com

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It's Not Just Dementia... Untangling Behavioral Problems BY STEVEN A. WEISBLATT, MD, FAPA

Eighty-five percent of adults seek- process of diagnosis and treatment. The ing psychiatric medication get it from psychiatrist should be well-experienced in identifying subtle psychiatric disorders as their primary care physician. So, well as skilled in recognizing when medical it’s not surprising that people get problems are masquerading as behavioral shortchanged when it comes to their problems. They should also be familiar mental health. with novel and potentially complex medi- cation regimens that may be particularly This is particularly problematic for seniors, appropriate for seniors – though these who tend to be more complicated neuro- may not be familiar to all psychiatrists. psychiatrically. “Treatment” often consists of a physician prescribing tranquilizers, A “best practice” assessment requires antidepressants or both - to “medicate” careful history gathering and education of - poor sleep, depressed mood, amplified and ongoing collaboration with - the family, anxiety, agitation, irritability, etc. without an caregivers and current treating physicians. accurate diagnosis. And follow up may not Once an accurate diagnosis and a deci- be until a month later! sion for treatment is made, the psychiatrist must follow the individual closely – some- Psychotropic medications can themselves times even daily - to observe any negative produce decreased cognition, problems and unwanted effects as well as beneficial with mobility, decreased functional capac- function, thyroid abnormalities, inadequate effects of any medication change. Although ity and further-impaired coping skills – and B-12, as well as from alcohol or substance very careful and ongoing evaluation of the may even worsen the very problem for use – or even too much caffeine. Although patient is often required at the beginning of which they were prescribed! This can result treating underlying conditions may not re- treatment, the need for frequent monitor- in an increased need for services, higher store mental function completely, eliminat- ing decreases dramatically over time. levels of care and usually increased costs. ing the condition often results in clearer Most importantly, this process doesn’t al- thinking - in addition to improved function. A psychiatric consultation using best prac- low people to live to their best potential in tices can maximize an older adult’s ability to the least-restrictive environment. There are many challenges in delivering function by accurately identifying co-exist- mental healthcare. They include a senior’s ing, unrecognized medical problems or mis- Whereas brain change from dementia is potential difficulty in self-reporting, as well diagnosed or mistreated brain chemistry im- irreversible, a co-existing mental health as her caregiver and family not knowing balances. Though often costing more than disorder can often be successfully treated. what to report. Also, she can present with “treatment as usual,” the process is more The key, of course, is a specific and accu- a “softer” version of the “textbook” disorder likely to eliminate additional burdens on in- rate diagnosis and a customized, effective and, even when symptoms are present, the dividuals, their families and caregivers - as treatment to go into remission. For a senior clinician may miss the diagnosis. There is well as improve the person’s quality of life. unable to adequately report how she feels, also a tendency for seniors, families, care- n n n a proper diagnosis usually requires the cli- givers – and even clinicians – to be biased nician to collect observations from multiple against formal psychiatric assessment, di- Dr. Weisblatt (www.drweisblatt.com) completed his residency at Albert Einstein College of Medicine, observers to get a true picture. The clinician agnosis and treatment. This bias can be was boarded in General and Geriatric Psychiatry must be skilled in eliciting from staff and seen when people say, “That’s just their and served for 15 years on the Einstein teach- family the signs and symptoms that would personality” or, “It’s just their dementia.” ing faculty as well as on the Consultation Liaison help identify even subtle disorders. Service, consulting on hospitalized medical and What differentiates a “treatment-as-usual” surgical patients. He has more than 30 years of experience and has taught and consulted widely Other reversible causes of behavioral psychiatric consultation from a “best prac- throughout the U.S. and Canada to individuals, problems can be due to prescribed and/or tices” consultation is both the knowledge, medical facilities and state and federal agencies. over-the-counter medications, sleep dys- experience and skill of the clinician and the He is licensed in NY, CT, PA and ME.

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Not Able to Snag Your Own Copy of Westchester Senior Voice? We can fix that! To receive our print magazine mailed directly to your home, at no charge, email your U.S. postal service mailing address to us at: Concept: CARE® [email protected] ...bringing health care home Prefer to receive a digital version of future issues in to your inbox? www.conceptcareny.com | 50 Main Street, White Plains NY 10606 Email us at the same address above and we'll add you to our digital email list. 914-682-7990 westchesterseniorvoice.com 42 winter 2020-2021 winter 2020-2021 43 westchesterseniorvoice.com MEDICAID ADVISOR

Long-Term Care: Understand Your Rights BY COLIN SANDLER

Most people consult with accountants, two 12-hour shifts per day to cover the attorneys, and financial planners be- 24 hours. This was costing the family $650 per day (even more than a nursing fore making big financial decisions. home), and four to five different people were cycling in and out of the home each But when people need long-term care, week to provide care. However, Mom’s they often do not consult anyone. They care needs could have been easily met may not know who to contact or even by a “live-in” aide, with just two aides what to ask. Yet, having an advocate is sharing the week: one for three days critical to understanding your rights and and the other for four days. This situa- obligations regarding long-term care. tion would have cost about $350 per day. Just by being educated about home care Here are a few real cases of mine, high- options, they could have saved $300 a lighting how families have paid a high price day, $2,100 a week! – emotionally and financially, as a result of inadequate and/or improper guidance. CASE #4: Mom moved in to a nursing home while CASE #1: she still had a fair amount of money in This family had planned smartly by her name. The residence started billing creating a trust to shelter their parents’ admission, and the family decided to her $15,000 each month for private pay. home. But should the planning have work with the nursing home to file her ap- Unaware of their rights and options, stopped there? For several years, they plication. You have only 90 days to file for the family started paying for the care, had been paying privately for home Medicaid once you need the coverage. cashing out Mom’s retirement accounts care from the parents' savings. As care The family provided all the information re- to do so. If they had consulted a pro- needs continued and increased, assets quired upon admission. However, the per- fessional advocate for long-term care were cashed out - including all invest- son managing the application was out on about which assets are “countable” and ments and retirement accounts. Over medical leave and it didn't get filed within which are not, they might have been this time, caregivers had been paid in the required time frame. As a result, this able to protect some of Mom’s retire- cash and there weren't any records of became the family's problem. They re- ment accounts. Moreover, there is al- how the money had been spent. They ceived a letter from the New York State ways some last-minute planning with exhausted all the funds and one parent Attorney General informing them they which you can protect as much as 50 is now in need of long-term care in a owed just short of $80,000 for the non- percent of the assets remaining at the nursing home. Unfortunately, Medicaid covered months, as the nursing home is time of long-term placement. coverage is going to be difficult to obtain entitled to payment for the care provided. because they cannot prove the money If the family had known about their rights Knowledge is power. Know your rights, was spent for care. Now the family is in and responsibilities, they would not have know your responsibilities, know your a high stress situation and having diffi- had to take on this financial burden. own insurance coverage and its limita- culty finding a desirable placement. With tions. And, do not rely on care providers proper planning and strategy, they could CASE #3: to educate you. have done the same thing but been bet- Mom needed 24-hour home care. The n n n ter positioned for this eventuality. family hired an agency who provided Colin Sandler, LCSW, CCM, is the owner of Medicaid Solutions and has been providing CASE #2: Colin offers FREE weekly seminars on Community Medicaid and Nursing advice on aging to seniors and their fami- This family had done no planning, but Home Medicaid via Zoom. Please lies for over 20 years. Call 914-924-2566 or Mom never had any assets or owned any check MedicaidSolutions.com for email [email protected]; 2127 property. She was Medicaid-eligible upon information and registration. Crompond Rd, Cortlandt Manor, NY.

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• Medicaid eligibility planning Serving Westchester & Fairfield Counties since 1996 • Maximize benefits and services • Medicaid Aging Life Care Managers application Providing guidance and support to elders and their families filing • Care management: Home visits, medication management, emotional support, • Pooled healthcare coordination, medical appointments, Income household oversight • Staffed by a team of professional nurses Trusts filing and social workers • Comprehensive assessments and in-home consultations Call me to see if you qualify for financial assistance • Home care assistance to reduce the cost of long term care • Placement recommendations • Psychotherapy services Colin Sandler, lcsw • Medicaid applications Senior Care Counselor & Medicaid Specialist [email protected] Karen J. Schwartz, 914.924.2566 MSW, LCSW, ACSW, C-ASWCM 2127 Crompond Road, Suite 105 Advice for Aging Cortlandt Manor, NY 10567 2001 Palmer Ave, Larchmont, NY 10538 • 914-833-0288 www.medicaidsolutions.com www.gericareconsultants.com

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Payment Apps BY ANASTASIA SLESAREVA If you’ve become comfort- to link a bank account, debit es by placing your phone able using and viewing your cards or credit cards to this next to the payment device. “digital wallet” to either pay di- credit card app and banking A payment application offered rectly, or add funds to a Pay- by some 30 major U.S. banks, Digital wallets like Apple Pay, app on your smart phone, a Pal balance. To send money ZELLE is integrated into the Google Pay and Samsung logical next step is to consid- to someone, you will need to mobile banking apps of Bank Pay have additional perks er downloading a payment search for their email address of America, Chase, Citi, and - you can link your loyalty or name, and then complete and money transfer app on Wells Fargo, among others. memberships from places like the transfer in a few clicks. to your phone as well. Unlike Venmo, Zelle allows Panera Bread, Walgreens, money to be moved directly Starbucks and others, and Sending money domesti- These apps, when managed from one bank account to an- automatically collect rewards cally to friends and family via properly, provide a quick and other, using the email ad- every time you spend at one a PayPal balance or linked convenient way to avoid using dress or phone number of the of those partners. bank account is free. Doing credit cards and cash pretty recipient. Zelle will send them the same by using a credit much anywhere you go. a text or email indicating a There are many helpful pay- card, debit card or PayPal payment is waiting for them, ment services available today, credit card costs 2.9% of the You’ve probably seen the Pay- along with a link to accept it. but it is always a good idea to amount, plus a fixed fee of 30 Pal payment option on many The recipient must register set up multifactor authentica- cents per transaction. online commerce sites, from with Zelle before accepting tion when it is available - to small bookstores to mega-re- the money transfer. protect your account from tailers like Walmart and Home Link your bank fraudulent access. This will Depot. Did you know there account or debit allow the service to confirm are many similar services that card to the your identity by sending you a enable contactless payments VENMO app text message or an email with and money transfers, both do- and easily transfer money to APPLE PAY and it’s An- a code to use at login. mestically and internationally? friends, family and others. droid equivalent GOOGLE Payment apps make it easy to Meant for transactions be- PAY are both digital wallets Always check that your pri- shop in the physical stores us- tween people who know each that work similarly to other vacy settings are up to date ing your smartphone, without other personally, you can services. You can make pur- and that you’re comfortable the need to pull out your credit avoid writing a check for that chases and also transfer with the level of visibility you card. To use them, you’ll need shared birthday gift or split- funds to other people. You’ll have. Keep both your phone to register an account, down- ting a restaurant tab with need to link a bank account, and your apps updated. And load the app and login. cash. It even has a fun fea- debit or credit cards before periodically search online for ture called a “feed” where making purchases. Then, payment app scams to learn PAYPAL is you can leave comments bring up the app of your the latest tricks scammers are well-known in about a transaction, similar to choice – either the Apple Pay using to cheat people. the world of dig- a social media platform. or the Google Pay - on your ital payments. Transactions are free when phone and tap the payment First and foremost, keep your- Once you have signed up for you send money directly from button to pay at store regis- self safe in the world of digital an account, you can choose your bank account. ters that accept these servic- money transfers.

westchesterseniorvoice.com 46 winter 2020-2021 Westchester's Bee-Line Bus System Bee prepared for driving retirement! and pay your fare with exact change. 2. Add money to your Reduced Fare Me- troCard and use it as a debit card. 3. Sign up for the EasyPay automatic refill pay- ment option using your debit or credit card. Please have your Reduced Fare MetroCard out and ready before you board the bus.

USING COINS TO PAY YOUR FARE: Dollar bills and pennies cannot be used in the fare box. If using coins, please have ex- act change ready when boarding the bus, as bus drivers are unable to make change.

FREE TRANSFERS: Your bus fare includes one free transfer to other Bee-Line buses and to MTA subways and local buses in the Bronx. If paying What offers safe, reliable and it much easier to step on board. If you with coins, ask the driver for your transfer economical transportation in and cannot use stairs, the Bee-Line bus driver ticket as you board. Paper transfers can around Westchester, and is a fully ac- can easily deploy a ramp or lift to help you only be used for bus to bus transfers. If cessible bus service with senior reduced on board. You must ask the driver to use you are using a MetroCard, your transfer fares and free transfers? the lift or ramp. If you’re standing, using a will register electronically when you dip wheelchair or in a scooter, the driver will your card into the fare box. If you said the Westchester Bee-Line System, tell you how to use the lift, based on your you’re correct! With over 3,300 bus stops needs. For your safety, always remember and close to 60 routes, the Bee-Line bus to hold the handrails. offers passengers the freedom and indepen- dence to explore and enjoy many destina- PAYING YOUR FARE: tions in and around Westchester County. If you are at least 65 years old, you pay a Yet, many older adults are not familiar with reduced fare of $1.35 per ride. For easier how to ride the Bee-Line and overlook the travel, apply for a Reduced Fare MetroCard bus as a viable transportation option. that is personalized with your name and photograph. To apply for a Reduced Fare So, here are some helpful facts you should MetroCard visit the MetroCard van when know about the Bee-Line System: it's in Westchester, the third week of every GETTING INFORMATION: month. All you need to do is fill out an For individuals who enjoy using a com- FULLY ACCESSIBLE SERVICE: application and show a photo ID with your puter, you can visit the Bee-Line online at Why take a bigger step than you need to? date of birth. Call the Westchester SMART www.westchestergov.com/beelinebus to The Bee-Line System offers fully acces- commute program at 914-995-4444 for accesses bus schedules, maps and general sible bus service, making it easier for you additional information or to confirm fares bus information. To get real-time Bee-Line to board and exit the bus. Every Bee-Line and the MetroCard van schedule. information, visit GOOGLE MAPS online. bus can “kneel,” which means that the If a phone call is more your style, a dedi- entrance can be lowered to shorten the USING YOUR cated, live Information agent is a phone distance you have to step to board the REDUCED FARE METROCARD: call away, at 914-813-7777, Monday bus. Each bus is also equipped with a There are three ways you can use your through Friday from 8 a.m. to 4 p.m. An wheelchair lift or ramp. The driver will be Reduced Fare MetroCard: automated phone system is also available happy to kneel the bus for you and make 1. Show it to your bus driver as your ID 24 hours per day.

SPONSORED CONTENT winter 2020-2021 47 westchesterseniorvoice.com Consider the Bee-Line when planning for driving retirement!

The Bee-Line System offers safe, With almost 60 bus routes, find your ride to reliable and economical bus recreation, shopping, parks, entertainment and more. service to travel destinations in and around Westchester. Enjoy fully accessible buses for easier boarding and exiting.

Use the Senior Reduced Fare MetroCard for half fare and free transfers for savings.

Riding is easier than you think! To learn more call (914) 995-4444 or visit www.westchestergov.com/beelinebus