Senior Section 4.22.13

Supplement to Jewish News April 22, 2013

Celebrating SeniorSHaPPY, HealtHY liVing

Supplement to Jewish News April 22, 2013

34 | Jewish News | April 22, 2013 | Senior Living | jewishnewsva.org

Published 22 times a year by United Jewish Federation of Tidewater.

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Upcoming Special Sections

Issue Date Deadline

Health Care May 20 May 3

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Home Oct 28 Oct 11

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About the coverThe ‘Prime Time’ people on our cover with those Spring birds, have all been featured in past issue of Jewish News

because of their activities, not their age!

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Celebrating

75 yearsof Tidewater’s organized

Jewish community

75C

om

mem

ora

tive

Is

sue

sPRiNG 2013

This special magazine-style

publication will highlight the past

25 years of the United Jewish

Federation of Tidewater, take a look

even further back to the beginning,

and peek into the future.

Dear readers,Aging. Given the alternative, it’s a fact of life!

And yes, as we age, life can become more challenging in some ways: dealing with aches and pains and

physical hardships, trying to combat wrinkles, living on more limited incomes, and the inevitable loss

of people we know. But none of that means we have to stop living full, productive and contented lives.

Just look around, there are great examples of senior citizens (Will someone please come up with a more

upbeat term for ‘over 50’ ?!?) who are eking out every moment of their lives, whether they’re enjoying

retirement, returning to the workforce, volunteering, going back to school, trying new sports, interacting

with generations both younger and older, and even planning for their “futures.”

In this special section of the Jewish News, we highlight some of our Jewish community’s senior citizens

who are doing a great job of embracing their “golden years.” We also explore positive ways to approach

the aging of our loved ones (and ourselves): planning for long-term medical needs, staying healthy

through diet and exercise, and suggestions for using finely honed skills to help and teach others.

As Jews, we respect and cherish our ‘seniors’, and in their honor we would like to offer up a huge,

“L’chaim!”

The staff of the Jewish News

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jewishnewsva.org | Senior Living | April 22, 2013 | Jewish News | 35

Jewish senior camps retool to keep up with more active seniors—and the competition

by Debra Rubin

WASHINGTON (JTA)—Not many people

attend summer camp with their parents.

Mindelle Pierce went with her mom when

her mother was in her 90s.

They chose a two-week program for

senior adults at the Isabella Freedman

Jewish Retreat Center in Falls Village, Conn.

Aside from typical camp activities such

as swimming and arts and crafts, there

were myriad specialty programming for

senior adults: lectures on health and nutri-

tion, genealogy, flowers of the Torah, and

biblical prophets, as well as trips to area

cultural activities, including the theater and

the philharmonic.

Some 80 participants ranging in age

from their 50s to 90s attended the camp.

Pierce, who is in her 60s and volun-

teers regularly at Isabella Freedman’s senior

camps, says she was drawn to the program

five years ago by the “natural beauty infused

with the spirituality that I felt while I was

there—and the fact the programming was

exceptional.”

The Isabella Freedman program is

among a number of senior camp programs

across the United States, including a hand-

ful that are geared to Jews. Yet despite the

growing population of American senior

citizens, the number of senior camps has

been dropping slightly, according to the

American Camp Association, which has 225

senior camps as members.

That has made for a challenging envi-

ronment for Jewish senior camps, too. In

September, one such camp, the Block and

Hexter Vacation Center in Pennsylvania’s

Pocono Mountains, closed due to lack of

demand. With more resorts available in

exotic locales and seniors more active than

they were a few decades ago, mountain

camps have lost some of their cachet.

“The new senior is more active and dis-

criminating in taste than the senior of prior

generations,” says Elliot Forchheimer, assis-

tant director of the New Jersey Y Camps,

which runs the Kislak Adult Center offering

sightseeing itineraries to places such as

Florida, the Poconos and Texas.

To help stem the tide, some camps have

changed or are planning changes to their

offerings in hope of attracting a new gener-

ation of older adults.

“With tweaks and changes, these pro-

grams should be able to thrive,” says Adam

Weinstein, director of the Berkshire Hills

Emanuel Camps-Adult Vacation Center in

Copake, N.Y., which offers kosher food and

Shabbat services.

“We’re looking at programs that will

also bring in a younger crowd of seniors,”

says Irene Drantch, director of the Circle

Lodge Retreat in Hopewell Junction, N.Y.,

an 85-plus-year-old facility that is affiliated

with Workmen’s Circle and draws any-

where from 25 people a week to a capacity

participation of 135 for its Yiddish Week.

At Berkshire Hills, there are plans are

to split the 10-week summer into two five-

week programs. One session will be geared

to those who have been coming for years

and aren’t seeking changes, Weinstein says.

“There’s swimming, there’s lectures,

there’s evening entertainment, there’s

buttermilk in the afternoon,” Weinstein

says, noting that some 600 campers came

this past summer—about half for the full

summer and the rest for one or two weeks.

Most were in their 70s and 80s.

The other session will be aimed at

younger seniors.

“By splitting our summer between our

traditional senior program and a program

that is more like a Jewish version of Road

Scholar, we are trying to make that tran-

sition” to younger seniors, Weinstein says,

“while still serving the guests who have

been our base.”

Pairing sightseeing with educational lec-

tures is the raison d’etre for Road Scholar,

formerly known as Elderhostel, which offers

about a dozen Jewish programs that explore

Jewish culture, history and religion. Jewish

programming has been available since the

organization was founded more than three

decades ago, and Road Scholar works with

an array of Jewish organizations, museums,

synagogues and educators, according to

Stacie Fasola, its associate vice president of

public and media relations.

Annabel and Hal Sacks of Tidewater

fame, participated in a five-day Road

Scholar program at the Peabody Institute

in Baltimore last year. Annabel wrote about

the experience in the Oct. 22, 2012 issue of

Jewish News. They had a terrific time meet-

ing new people, learning and exploring.

Read her article online at www.jewish-

newsva.org/road-scholars/.

For Judy Oppenheim of Hampden,

Conn., lectures are only part of what has

drawn her and her husband, Jerry, both

73, to Isabella Freedman for the past seven

years. They’re also taken with the physical

setting, the diverse programming, sitting

and chatting with Holocaust survivors as

well as youngsters in the facility’s children’s

camp and the many friends they have made

over the years.

“I like being back at camp as an adult,”

Oppenheim says. “I always liked it as a kid,

and now I look forward to it as an adult.”

For Inge Hershkowitz of the Bronx,

N.Y., two weeks at Berkshire Hills last

summer was a homecoming of sorts. Back

in the 1950s, she and her three sons spent

about six summers at what then was a

family resort typical of the many bungalow

colonies in the area, with her husband join-

ing them on weekends.

This year, she particularly enjoyed the

lectures on Jewish humor and outings that

included seeing Academy and Tony Award-

winner Olympia Dukakis onstage in “The

Tempest.”

“I really, really like it,” Hershkowitz, 88,

says of the camp. “I already made reserva-

tions for next summer.”

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Jewish Family Service of Tidewater has been caring for seniors in the community for over 65 years. We thank our nursing staff, case managers and all other staff for the care they provide to seniors. To learn about the many services JFS offers, please call us at 321-2222. You never know when you’ll need help, but you’ll always know where to fi nd it.

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Jewish Family Service of Tidewater

JFS: Caring for Seniors for Over 65 Years

JCC brightens the lives of seniors bernie erlich

and andrea Finder Zargeby Leslie Shroyer

From Mahjong to Senior Club

to fitness, long days at the

Simon Family JCC are the

norm for Bernie Erlich and

Andrea Finder Zarge.

A New York native, Erlich moved to

Tidewater less than 10 years ago with

his wife Rhoda to be near his daughter

Amy Lefcoe, her husband Kevin, and their

children. Erlich raves about Tidewater in

general and the JCC in particular. “This

whole area is a gem, and a great place to

live,” he says. “And the JCC is a blessing. I

am thrilled about coming to the JCC every

day I walk through the doors.”

Erlich goes to the JCC on Tuesdays and

Thursdays. On Tuesdays, he visits the fit-

ness center for the elliptical machines and

a few light weights. On Thursdays after the

gym, he stays for a current events club with

about a dozen other seniors. “I look forward

to our heated political debates,” he jokes.

“It’s truly all in friendship and fun.” After he

eats lunch around noon, Erlich plays a reg-

ular Thursday game of Rummikub, which

can last several hours.

As historian for the JCC Seniors Club,

he attends a monthly meeting with about

30 other active members. Trips and enter-

tainment are planned, ailing members are

mentioned so that the club can reach out

to them, and decisions about how and

where dues should be spent are made. The

club is currently planning its annual party

on May 22, a luncheon at the JCC with a

Luau theme.

Erlich also recently joined the Yiddish

Club at the JCC. Open to all ages, this group

meets the last Thursday of each month.

Members discuss Yiddish words and phrases

and their origins, and most are accompanied

by personal stories and memories.

Andrea Finder Zarge grew up in

Norfolk, spending many hours of her youth

at the JCC on Spotswood Ave. She moved

to Delaware after attending Old Dominion

University, and recently returned after more

than 30 years to be closer to her aging

mother. Actively taking classes all over the

area from glass blowing to origami, she goes

to the JCC for fitness classes and Mahjong.

“I don’t love to work out, but I’m social,

and I know it’s good for me,” she says. “The

JCC gives me a place to work out, where I

have made some very close friends.”

Zarge diligently attends a Monday,

Wednesday and Friday water aerobics

class. On Mondays, she stays for a beginner

Mahjong class which can last until 4 pm.

On Tuesdays and Thursdays, Zarge takes a

Silver Sneakers cardio class in the JCC fitness

center. “I come back every day because of the

wonderful people I’ve met here,” she says.

“I can’t be thankful enough for this

JCC,” says Erlich. “I appreciate its being

here immensely.”

Andrea Finder Zarge

Bernie Erlich


it’s never too late to begin healthy habits

by Amy Cobb, JFS marketing and fundraising assistant

By now, most people have not only given up on their New Year’s resolutions,

they’ve also forgotten what they were in the first place. Still, the registered

nurses from Jewish Family Service’s Home Health team advise that’s it’s never

too late to begin improving your health. Adults, especially those over the age of

65, can greatly benefit from making healthy changes – especially those that help prevent

illness and injury.

Here are the nurses’ favorite tips to keep you feeling young and vibrant. Ready, set...go!

Get moving, but don’t overdo it! Susan Riggs, RN, says, “I started a walking program last summer and

went at it full-force. Next thing I knew, I had hurt my knee and I couldn’t

exercise for a while. Lesson learned: Ease your way into exercising if you

haven’t done it in a while.”

Just do it! Exercise doesn’t have to be exhausting, and it certainly doesn’t have to be

so strenuous that it feels like work. Loydett Anderson, RN, finds that it

can be something as simple as taking the stairs instead of the elevator. In

fact, she takes the stairs every opportunity she gets. “It’s all about self-mo-

tivation,” she says. “You just have to get moving. I recommend walking briskly for at least

15 minutes every day.”

Older adults are increasingly looking to classes such as yoga and tai chi to not only

increase physical health, but to meet people and widen their social circles. Other activities,

like local walking clubs, can be found at many senior organizations and community centers.

Smooth(ie) Operator!Lucy Cardon, RN, loves smoothies. “The best way to get nutrition is from

food,” says Cardon, “and by consuming a healthful smoothie every day

you are getting most of your nutrition in one proven delicious dosage.”

Consuming raw fruits and vegetables in a smoothie every day will also give

you plenty of natural fiber to ensure excellent digestion and help empower your immune

system to protect you from illness.

Hydrate, Hydrate, Hydrate!Your skin is the largest organ in the body, so it’s very important to keep it

hydrated. Linda Badgley, RN, says, “Many older adults tend to have dry,

itchy skin. Because older people have thinner skin, scratching can cause

bleeding that may lead to infection.” The best ways to keep your skin

hydrated? Drink lots of water and apply moisturizing lotion generously every day.

Badgley also recommends that older adults eat more protein. A lack of protein can

increase your risk for injury during exercise and it is particularly important when you

have a wound that is healing. Your body uses the amino acids from protein-rich foods to

maintain and rebuild your body’s cells. Lean meats, eggs and dairy products are excellent

protein sources; good vegetarian options include nuts and seeds, soy products and whole-

grain foods. Most women need about 46 grams of protein per day, while most men need

about 56 grams per day.

JFS Home Healthcare provides private duty and skilled nursing care.

For more information, call 757-489-3111 or visit www.jfshamptonroads.org.

Balance is key!Sondra Pietrzak, RN, recommends a balanced diet for older adults. “Eating

a healthy diet can help keep your body strong and can help lower your

risk for disease,” says Pietrzak. “But as you get older, it can be harder to eat

in healthy ways. If you have health problems or can’t be active, you may

not feel as hungry as you used to. You may not plan and make meals as often. If you have

trouble preparing meals for yourself, consider the JFS Meals on Wheels program. Contact

them at 757-321-2227. She also encourages older adults to have regular check-ups.

Manage pain with exerciseGale Garner, RN, BSN, MA, knows from experience how it feels to be in pain.

For the past 20 years, she has suffered from rheumatoid arthritis and that’s

why she goes swimming every day. “My doctor suggested that I keep moving

in water. I get up every morning at 5:00 to go swimming, and believe me, it

helps,” says Garner. “It’s important to keep moving.” As a mental health nurse, she says this

not only helps lessen pain, but it also helps lessen depression.

Make sure your home is safeLinda Levy, RN, often sees patients who have fallen in their home. “Most

falls in the home can be prevented with just a few preventative measures,”

says Levy. She suggests removing scatter rugs and securing larger rugs

with non-skid tape. Also remove any clutter and cords on the floor. Make

sure the home is well-lit and install hand rails on stairways if necessary. And lastly, install

an electronic emergency response system.


Senior finds herself right at home at ronald MacDonald

by Laine M. Rutherford

Photo by Laine M. Rutherford

On the large tidy desk

in the office area of

the Ronald McDonald

House in Norfolk, sits

a brass nameplate iden-

tifying the bright eyed, cheery woman who

greets guests as they enter the building:

Bess Finder. Head Volunteer.

“They gave this to me for my 90th birth-

day,” says Finder, holding the nameplate in

front of her. “It’s not official, of course, but

I do like it.”

Finder is a consistent presence at the

17-bedroom, three-story residence on

Colley Ave. Every Monday she arrives to

volunteer in the office just to the left of

the front door, or in whatever capacity the

administrators there need.

“I answer the phone, answer the door.

I show people around, take them to their

rooms and answer any questions they may

have,” Finders says. “Not a lot really.”

While Finder is modest about her duties,

the administrators of the Ronald McDonald

House Charities of Norfolk are effusive in

their praise of her, which is why they were

prompted to present her the nameplate.

“Bess is an ambassador of goodwill,”

says Elyse Brown, the home’s executive

director. “She is a very special person, who

makes other people feel special as soon as

they come in the door, and she’s a familiar

face to the families that stay here and to the

members of our board.”

House manager Vickie Kennedy says

she and Brown can rely on Finder on any

day of the week, not just on the scheduled

Monday volunteer time.

“She’ll come in any time we need her,

and will fill in when Elyse or I take time

off or can’t be here,” says Kennedy. “She’s

also an ambassador for us at her apartment

building, getting other people where she

lives to volunteer here, too.”

“And, she’s our nurse, too,” Brown adds.

“We’re a good team.”

Finder lives steps away, in an apart-

ment complex next door and has been

volunteering at the Ronald McDonald

House for 12 years.

“One day, I came over to see if they

needed help, and I’ve been here ever since,”

she says.

The great-grandmother of four is happy

to have a place she can put her energies. For

50 years, Finder worked as a private-duty

nurse, and before that was a nurse in the

U.S. Army.

A gifted storyteller, Finder tells how she

met her husband, Ted, a native Austrian

who survived the Holocaust by escaping

from a concentration camp and who went

on to become a decorated U.S. Army war

hero. The two moved to Norfolk in 1955

and she has lived here ever since, raising

three children and caring for her husband

and others. After a full life that he called

miraculous, Ted passed away in 2000. (His

story is chronicled in the UJFT Holocaust

Commission book: To Life.)

“Ted actually was my first patient as a nurse

in the Army,” Finder says. “I was told to do

a few things—we didn’t do that much back

then, really, so I walked up to Ted’s bed, shook

him to wake him up and told him I needed to

take his temperature. He told me that was no

way to wake a soldier. He said a soldier should

always be woken up with a kiss!”

Finder laughs as she remembers her

Bess Finder.


3100 Shore Drive • Virginia Beach, VA 23451 • www.wcbay.com

Concerts, shows and lifelong learning. Domestic and international travel. This year residents are headed to Machu Picchu. Many serve on Boards, run businesses and volunteer. In fact, last year alone our community members contributed over 16,000 volunteer hours.

Of course, when you live on the beach, it’s also fun to come home.

To learn more, please call 496-1785 and RSVP for one of our upcoming events or schedule a private visit and tour. You’ll learn why our residents live more and worry less.

join us for lunch on:

Wednesday, May 15th at 11 a.m.Tuesday, june 11th at 11 a.m.

or for coffee with friends on:

Tuesday, May 28th at 3 p.m.

AT WeSTMInSTeR-CAnTeRBuRY

We ARe fOReVeR On The MOVe!

husband and can regale guests with these

stories and more, providing a welcome

respite for families dealing with ill children.

Norfolk’s Ronald McDonald House was

established to be a home away from home

for families wanting to be near their child,

21 years old or younger, who is receiving

medical care or treatment at an area facility.

Families can stay as long as their chil-

dren are receiving help in establishments

such as the Children’s Hospital of The

King’s Daughters and Sentara Norfolk

General Hospital, both within walking dis-

tance, as well as The Pines, St. Mary’s

Home for Disabled Children and the Barry

Robinson Center.

There is no cost to families; the home

is stocked with typical household goods,

whether in the kitchen cupboards, the

library or the laundry room, all received

through donations. The operating budget

is supported by the area’s owner/operated

McDonald’s restaurants.

“This is a wonderful place for people in

dire need of comfort,” Finder says. “If you

can’t be at home and your child is sick, it’s

nice to be able to not have to worry about

where you’re going to sleep, what you’re

going to eat or feed your other children,

and not think about how you’re going to

pay for it all.”

Finder is no stranger to helping others

or volunteering. From a young age, she

saw—and helped—her mother do what she

could to improve the life of others.

“My mother used to get up at five in the

morning to collect money for B’nai Brith

or Hadassah, and she would bring people

to the house who had nowhere else to go,”

Finder says. “We always shared what little

we had with others. I grew up with it. It’s

part of living for me.”

On days when Finder is not at the

Ronald McDonald House the nameplate

is still on the desk, a sight that makes

Brown, Kennedy and Finder comfortable

and happy.

“I have friends that envy me because I

have a place to go,” says Finder. “I feel I’ve

been blessed by a lot of good health, and,

so, as long as I can, and as long as they let

me, I’ll keep on coming over.”


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Assisted Living Expansion Coming

in Spring 2013

FCI_Home_ad_JewishNews_10x5.375_0313.indd 1 4/2/13 5:38 PM

Sherrill Hurwitz’ retirement takes a leap into literacy

by Laine M. Rutherford

After 30 years employed as

a child protective service

social worker and a counsel-

or in Norfolk Public Schools,

Sherrill Hurwitz earned some downtime

when she retired five years ago.

She didn’t take it.

Instead, Hurwitz, a longtime, former

Sunday School teacher at Ohef Sholom

Temple and a current member of

Congregation Beth El, jumped into a project

that puts books into the hands of children.

And not just any children, but children

who visit—for whatever reason—the Norfolk

Juvenile and Domestic Relations Court.

“Through my work with the Norfolk

Department of Social Services, I knew

a lot of judges. They were very upset

because they were seeing so many kids in

their courts who couldn’t read, or could

only read at a sixth grade level—at best,”

Hurwitz, 62, says.

Hurwitz was approached by Judge

Jerrauld Jones, a juvenile court judge, who

asked if she could help with a reading pro-

gram, at the time under the auspices of the

former Friends of the Court group.

Knowing, through her professional

experience, that there was a need to help

children read, Hurwitz started the Leap

into Literacy program. Her goal is to give

every child a book to inspire a love of read-

ing and learning. Both, she says, are vitally

important.

Almost every morning Hurwitz can be

found in the Juvenile Court building, either

in the waiting area outside the courtroom

or in the courtroom itself. She hands out

books, reads to children, and dispenses

advice to parents, to their children and to

young people facing detention or jail time.

“Sometimes there are parents who

have to bring their children to court with

them because they don’t have a babysitter.

Sometimes, children are there who are in

trouble themselves,” Hurwitz says. “Either

they’re waiting for hours for their cases to

be heard, or they’re being disruptive, or the

judge wants them removed because of what’s

being discussed. That’s when I’ll put a book

in their hands and say, ‘This is for you.’”

After five years of volunteering, Hurwitz

is still passionate about the program.

“You never know who this helps. People

will come up to me saying they remember Sherrill Hurwitz


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arking

Hat and bSV = Mitzvah ClubBeth Sholom Village and Hebrew Academy of Tidewater

have joined forces to create “The Mitzvah Club.”

ACarin Simon, admissions director

for HAT and Marcia Brodie, direc-

tor of marketing for BSV, discussed

ways to encourage this generation of chil-

dren to honor, respect and bring a little joy

to the Jewish elderly. Beth Sholom Village

seemed the perfect venue.

It appears that the more often children

realize the importance of performing a mitz-

vah for the aged, or anyone for that matter,

the better adults they become.

The goal is to have “The Mitzvah Club”

once a quarter. After the first visit, it was

decided to have a much more structured

two-hour visit. The club always starts with

snacks for the kids and then breaks into age

appropriate groups. Some kids will play board games with the residents, some will sing,

while some will have one on one visits.

The residents light up when they see the children arrive. It truly is a mitzvah.

me because I gave them a book when they

were little, and there are even kids I’ve

worked with in the past—who have since

done terrible crimes—who people will tell

me ask about me, and say ‘they want you to

bring them a book.’”

Leap into Literacy is an entirely vol-

unteer operation that right now is a

one-woman operation. Other than an office

provided at the courthouse, Hurwitz asks

for, collects, and distributes books without

monetary compensation. In the future, she

says she may seek to qualify as a tax-de-

ductible organization, but the effort seems

overwhelming, so, for now, she relies on the

kindness of community donations.

“My number one donor is Blessed

Sacrament Church in Norfolk. The reverend

there asks for books for me every Sunday

Mass, and every few months ladies from the

church bring them to me,” Hurwitz says.

“It would be good if the Jewish commu-

nity would help, too. If they look in their

closets, I’m sure they would find a lot of

books that a child would like to have—I

know, I’ve met children who have never

owned their own book in their life. And

then I put one in their hands and tell them

it’s theirs to keep. You should hear them

yell after that, ‘Mom, mom. I’ve got my own

library!’”

Hurwitz thinks every child should own

a copy of Goodnight Moon and The Little

Engine that Could, and, like that last book,

she keeps moving forward, pushing to meet

that goal.

While Hurwitz provides books, maga-

zines and other reading material for children

of all ages (and adults in the waiting room

as well), she is primarily looking for books

on a third grade reading level or below.

They don’t have to be new, she says, gently

used are welcome, too.

To donate books or find out more about

Leap into Literacy, contact Sherrill Hurwitz

at 757-664-7628.

Francis Smithe has fun with a HAT student.


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long-term CarePlanning ahead by

getting Past the Mythsby Sally B. Kocen, CLTC

Many of us may have

had to face a long-term

care situation, most

often as caregivers

for an elderly family

member who may no longer be able to live

independently. If you have experienced

long-term care first-hand, you know how

difficult it can be from a physical, emotion-

al, and financial point of view. But if you’re

like most people, you may not have a plan

in place for your own possible long-term

care needs.

This lack of planning isn’t really surpris-

ing. When you’re busy building your career

and raising a family, it’s hard to imagine a

time when you may need help with some

of the most basic activities of daily living,

like eating or bathing. As a result, it’s easy

to deny the possibility that you may need

long-term care at some point in your life.

Unfortunately, accidents or illnesses can

strike at any age. In fact, 41% of Americans

who need long-term care are under the

age of 65. (Urban Institute analysis of US

Census Bureau’s National Health Interview

survey, 2009 and American Community

survey, 2010.) And, 70% of people who

reach age 65 will require some period of

ongoing assistance or supervision, due to

physical or cognitive impairment. (U.S.

Department of Health and Human Services,

National Clearinghouse for Long-Term Care

Information, accessed September 25, 2009.)

Unfortunately, long-term care doesn’t

come cheap and costs will continue to rise.

According to the John Hancock 2011 Cost

of Care Survey, the national average cost

of a nursing home is now about $235 a

day or $85,775 a year, for a private room.

And, depending on where you live, costs

could be higher. Home health care is less

expensive but can still present a financial

challenge, with a national average cost of

about $31,200 per year, for six hours of

care, five days a week. If you don’t need

care for another 20 to 30 years, you can

expect to pay significantly more, particu-

larly if you need care for a number of years.

Not many people are able to assume these

costs without a significant impact to their

lifestyle or savings.

That’s why it’s so important to have a

plan in place. The first step in creating a

practical plan is to get past some common

myths surrounding long-term care, and to

familiarize yourself with the facts—espe-

cially when it comes to paying for care.


Lara Nance, MSN, ANP Veronica Dirks, LPN

Call for an appointment today!

Phone: 757.961.3055 Fax: 757.961.3047 6401 Auburn Drive

Virginia Beach, VA 23464

The Center is staffed by Nurse Practitioner,

Lara Nance MSN, ANP and a consulting physician at EVMS.

The mission of The Rose Frances & Bernard Glasser Health & Wellness Center is to promote a safe and healthy lifestyle for all residents, employees and the public at large.

Services available: · History & Physicals · Blood Pressure/Weight Checks · Immunizations · Joint Injections · Coumadin Checks · Ear Cleaning · EKGs · Routine or Acute Lab Work · Treatment of Chronic Illness · Treatment of Acute Illness · Evaluation of Injuries · Wound Care · Assistance with Medication Management · In-Office Diagnostics (i.e. X-rays, Ultrasounds)

We offer services Monday through Friday

8:30am-4:30pm.

Same-day appointments available in most cases.

The Rose Frances and Bernard Glasser

HHH E A L T HE A L T HE A L T H A N DA N DA N D WWW E L L N E S SE L L N E S SE L L N E S S CCC E N T E RE N T E RE N T E R at Beth Sholom Village

Myth #1 “The government will

take care of me.”The most common myth is that the govern-

ment will pay your bills, but Medicare and

Medicaid are not resources you can neces-

sarily depend on when it comes to funding

long-term care expenses. Medicare is only

for people over age 65 and is not intended

to cover debilitating disorders that may

result in the need for true long-term care

beyond 100 days. Medicaid does provide

long-term care benefits, but you may have

to spend down your savings and assets con-

siderably in order to be eligible, which may

make it an unattractive option if you have a

healthy spouse or wish to leave a legacy for

your loved ones. And then of course, there

is the future of these programs to consider,

in light of the ballooning federal deficit.

Myth #2“I’m already covered”

Myth number two is that long-term care

expenses are covered by your employer’s

medical or disability benefits. That simply

isn’t the case. Medical benefits are designed

to pay for acute medical conditions that

you will recover from, like a broken leg

or pneumonia. Your disability insurance is

meant to replace the income you lose when

you can’t work due to illness or accident,

without anything extra designated to pay

for your care needs.

Myth #3“My children will take care of me.”

Myth number three is that you don’t have to

worry about long-term care costs, because

your children will take care of you. This

might have been a reasonable assumption

years ago, but nowadays your children

may live too far away to be able to help

or they may have work and child-rearing

responsibilities. Loved ones who are willing

to assume responsibility for your care, may

find that it has a huge impact on their lives

and you may not wish to place this kind of

burden on them.

Planning ahead is

easyThe good news in all of this is that a long-

term care event can be very manageable if

you plan ahead. To get started, you may wish

to consider the purchase of long-term care

(LTC) insurance. The coverage is designed

to pay for care in a variety of settings, from

your own home to a nursing home setting.

The premiums for the coverage are far less

than the amount you would have to pay for

your care, should you ever need it.

Many people start considering this insur-

ance coverage in their late forties and early

fifties. This is a good idea for a couple of

reasons. First, you must be in good health

to be accepted for coverage. If you wait to

apply and your health changes you may not

be able to purchase a policy. Second, LTC

premiums are based on your age when you

buy the insurance, so the younger you are,

the lower your premiums.

To find the LTC insurance coverage

that’s right for you, contact an insurance

agent or financial planner. As you start

comparing policies, be sure to ask questions

about the carrier. Since you may not need

the coverage for many years, you want to

be sure that the carrier is well-established,

with at least 10 years of experience with

LTC insurance, as well as financially stable.

Once you have a policy in place, if you ever

need care, you will be able to help protect

your assets, maintain your independence,

and receive the kind of care you deserve.

RESOURCES

To find out the cost of long-term care in

your area, visit the interactive Cost of Care

map at www.johnhancockltc.com.

The information provided above is the

opinion of the author and does not represent

the opinions of the insurance companies whose

products he/she markets.

The long-term care insurance policy

describes coverages under the policy, exclusions

and limitations, what you must do to keep your

policy in force, and what would cause your

policy to be discontinued.


WHEN EVERY HEARTBEAT COUNTS,YOU CAN COUNT ON CVAL

Committed to Healthy HeartsCARDIOVASCULAR ASSOCIATES, LTD. (CVAL) is the largest independentcardiology group in Tidewater.

CVAL offers a full spectrum of cardiology services and clinical expertise in allsubspecialties of cardiac care through a team of 21 invasive, non-invasive andEP board-certified cardiologists, and 9 Nurse Practitioners and PhysicianAssistants. CVAL cardiologists are members of the American College ofCardiology and are major participants in clinical research studies. They holdfaculty appointments at the Eastern Virginia Medical School, and they activelyparticipate in local, regional and national conferences and educational programsfor patients and healthcare providers.

CVAL cardiologists are dedicated to effectively combine compassion, competenceand caring while providing patients and referring physicians a broad rangeof cost-effective, clinically proven outpatient, diagnostic and inpatient clinicalservices and programs.

Serving Tidewater and Eastern NC1708 Old Donation Parkway � Virginia Beach � (757) 419-3000

612 Kingsborough Square, Suite 100 � Chesapeake � (757) 547-92942075 Glenn Mitchell Drive, Suite 300 � Virginia Beach � (757) 821-2825

Physician Patient Referrals � VA Beach (757) 419-3003 � Fax (757) 213-9378Physician Patient Referrals � Chesapeake (757) 549-8074 � Fax (757) 213-9340

www.cval.org

� Alan G. Bartel, MD, FACC� John G. Kenerson, MD, FACC� Jesse W. St. Clair III, MD, FACC� John J. Griffin, MD, FACC, FSCAI� Charles C. Ashby, Jr., MD, FACC� Edward C. Miller, MD, FACC, FSCAI� Wayne D. Old, MD, FACC, FSCAI

� D. James Kazakis, MD, FACC� H. Lee Kanter, MD, FACC� James R. Miller, MD, PhD, FACC� Ramin Alimard, MD, FACC� Ronald S. McKechnie, MD, FACC, FSCAI� Deepak R. Talreja, MD, FACC, FSCAI� Ian Woollett, MD, FACC, FHRS

� Mohit Bhasin, MD, FACC� Joseph J. Sposato, DO� Sarah E. Joyner, MD, MPH, FACC, FASE� Mary F. Maturi Allen, MD, FACC� Robert D. McCray, MD� David H. Adler, MD, FACC� Venkat R. Iyer, MD

� AHF including LVAD & Transplant Care

� AICD Implantation & Follow-up

� Anticoagulation Clinic

� Aorta Clinic

� Arrhythmia Management by Catheter Ablation

� Cardiac Biopsy

� Cardiac Catheterization

� Cardiac CTA

� Cardiac MRI

� Coronary Angioplasty

� Coronary Atherectomy

� Carotid Intima Media Thickness (CIMT)

� Consultation

� Echocardiography

� Electrophysiology

� Heart Failure Clinic

� Lipid Management Program

� Nuclear Cardiology

� Pacemaker Implantation & Follow-up

� Peripheral Intervention

� Peripheral Vascular Laboratory ICAVL Accredited

� Stents

� Stress Testing

� Structural Heart

� Transesophageal Echocardiography

Bassam A. Kawwass, FACHEAdministrator


Documents

Senior Section 4.22.13