The Momentum Jan.March 2021

The Momentum Jan.March 2021

New Year's Intentions 7

Blood Donor Month 22

Medicare vs. Medicaid 36 COVID Resources 44

In This Edition

Vintage Celebrates Certification..................3 Medicare Open-Enrollment Appreciation.....4 Vintage Services.........................................5 New Year's Intentions..................................7 Reverse Mortgages...................................10 Managing Spending..................................14 LTC Ombudsman......................................20 Blood Donor Month...................................22 Winter Weather Notifications....................23 Energy Assistance....................................25 Library Lovers Month................................26 Vintage Transportation Voucher................27 Laugh-Friendly Month...............................28 African American History Month...............29 National Nutrition Month...........................31 Can you Spare 4 Hours a Month? ..............32 Craft Project Month...................................33 Medicare vs. Medicaid..............................36 Vintage In-Home Services Voucher...........31 LTC Ombudsman......................................32 Veterans Services.....................................33 Pitkin County Virtual Activities..................42 Senior Law Day.........................................46 Vintage Caregiver Support Program..........48 Tips for Caregivers....................................37 COVID Resources......................................49 Grief Resources........................................55 Events and Support Groups.......................58 Vintage Dental Vision Vouchers................63 Grand County Home Rehab Program.........64 Smiles for Seniors.....................................66 Summit County Services...........................66 Regional Resources..................................69

January-March 2021 Original content in this edition provided by Leah Rybak, LMR Consulting LLC. Content currated by Ceci Peterson, Vintage Magazine edited by Amanda Rens-Moon, Vintage

Vintage Celebrates Certification

Vintage Program Specialist, Ceci Peterson, received her Certified Senior Advisor (CSA)® credential in October! This credential applies to professionals who are able to demonstrate their competence and knowledge of working with older adults into their professional practices. In order to maintain the CSA certification, individuals are required to demonstrate a commitment to high standards, continuing education, professional ethics, and trust. The seven-part course that Ceci had been studying since the Spring, gives professionals a practical, comprehensive understanding of health, social and financial issues that are important to many older adults, including ethical issues specific to aging. Ceci not only passed the exam on the first try (only a 30% pass rate) but she did it in the midst of the East Troublesome Fire and hurried home after completing the exam to prepare for a possible evacuation. Congratulations to Ceci on her hard work and focus!

Ceci Peterson [email protected] 970-531-4087

2020 Medicare Open Enrollment

Like many things, Open Enrollment for Medicare looked a little different this year! We were able to successfully work through barriers such as not being able to meet with people in person and navigate getting Medicare information to those who need it during these unique times. A huge THANK YOU to our SHIP Volunteers for being such a fluid team and doing everything needed to help community members with their Medicare. They were able to assist over 160 people with their Medicare enrollment, & spent over 158 hours with clients from 25 different communities. Also, a huge thank you for our ongoing collaboration with Summit County Community and Senior Center, Pitkin County Senior Services, Mountain Family Center, Grand County Rural Health Network, Eagle County Public Health, Jackson County Council on Aging, and Roaring Fork Fire Rescue. If you are looking for more purpose and connection in the New Year, becoming a Medicare Volunteer is a wonderful way to do this. Our wonderful team of volunteers makes a big difference in the health and wellbeing of the members of our community.

For more information, please reach out to our Medicare Coordinator Jonnah Glassman at 970-315-1328

INFORMATION | RESOURCES | ADVOCACY

We are The Alpine Region’s Aging Expert

Vintage is the Alpine region’s aging expert—ensuring that all of us have access to the supports, services, and resources we need as we age. We also provide deep content expertise to ensure our communities and providers meet those needs as well. Our services include financial assistance for in-home services, transportation, and dental & vision needs, information & referral, nutrition programs, caregiver supports, Medicare counseling, long term care ombudsman, volunteer opportunities, legal assistance, and educational programs.

YOURVINTAGE.ORG

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SERVICES FOR AGING WELL IN COLORADO Your Connection to Information, Resources, and Advocacy in Eagle, Grand, Jackson, Pitkin, and Summit.

Volunteer Opportunities We have a variety of volunteer opportunities, such as Respite

Dental & Vision Assistance Programs

People-Carry

TOOTH

We have funding for adults 60 and older for dental and vision needs that will keep you healthy and receiving the care you need. Transportation We have trusted transportation options to get you where you need to go when you need to go there. Options include transportation vouchers and other transportation services depending on the area. Health: Nutrition & Balance Vintage offers the following nutrition- related programs such as Home Delivered Meals, Community Based Meals, and Nutrition Education and Counseling. We also provide Evidence-Based Health and Wellness Programs and fall prevention classes. Legal Assistance

Companions, Medicare Counselors, Regional Advisory Council Board members, Long Term Care Ombudsmen, and our RSVP program. Caregiver Support At Vintage, we support you in whatever stage of the aging journey you are on! For caregivers, we offer training and education, financial assistance, and have a volunteer respite program in Summit County to assist where you need it most. Medicare & State Health Insurance Assistance Program (SHIP) We are here to answer your questions or concerns about Medicare, Medicare benefits, or to see if you’re eligible for the Medicare Savings Program. LTC Ombudsman The Long Term Care Ombudsman protects and promotes the Resident Rights of the residents of nursing homes and assisted living facilities in our region.

Shuttle-Van

comment

APPLE-ALT

Plus-Square

HEARTBEAT

BALANCE-SCALE

We contract with partners who provide legal services to older adults 60+ free of charge to those with the most significant economic or social needs.

Aging Services Focused on YOU Call our Resource Center at (970) 468-0295 if you have any questions or are interested in learning more.

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Ways to Set New Years Intentions that stick

Learn about ways to make SMART goals and start 2021 off with achievable goals and intentions.

All About SMART Goals

What does SMART stand for and how can I use it in 2021?

What do I want to accomplish? Why is this goal important? Where is it located? Which resources or limits are involved? How can I accomplish this goal? How realistic is the goal, based on other constraints, such as financial factors? Does this seem worthwhile? Is this the right time? Does this match our other efforts/needs? Am I the right person to reach this goal? Is it applicable in the current socio-economic environment? When? What can I do six months from now? What can I do six weeks from now? What can I do today? How will I know when it is accomplished? Questions to ask yourself to make sure you are creating a SMART Goal:

SMART goals are a great way to start off the new year. It is a well established and credible way to help us create and achieve our goals!

SMART stands for:

Specific (simple, sensible, significant). Measurable (meaningful, motivating). Achievable (agreed, attainable). Relevant (reasonable, realistic, and resourced, results-based). Time-bound (time-based, time- limited, time/cost limited, timely, time-sensitive) By creating SMART goals, you can ensure that you don't write new years intentions or goals that you will never achieve.

The Momentum | January 2021

Now that you know how to make SMART goals, it is helpful to think of the intention behind them. Intentions are less action-focused and more focused on the present moment. They help you envision and embody the way you want your daily life to work. Write Intentions That Matter

Intention Ideas Paired with SMART Goals

I spend my time giving back to others SMART GOAL: I will look for places to volunteer from home in January and have an online volunteer opportunity set up starting in February. I will spend 4 hours a month (1 hour a week) volunteering in 2021. I live in a clutter-free space. SMART GOAL: I will declutter 1 room of my house every month. I will start in January with my bedroom. I will get rid of unnecessary items and donate them to my local thrift store. I am healthy and in shape. SMART GOAL: I will go on one 20-minute walk 3 times a week. I will get yak-tracks so that I can walk on the snow and ice. The goal is to be outside and moving, so the distance isn't important. SMART GOAL: I will eat healthily each week but not deprive myself of the foods that I love. I will write out a meal plan each week and buy heart-healthy foods from the grocery store. I will try not to over- eat.

The Momentum | January 2021

Considering a reverse mortgage?

Proceed with caution  Don’t sign the loan documents unless you understand how a reverse mortgage works.  Know your options—you may have a better choice.   Have a serious talk with a federally approved housing counselor who specializes in reverse mortgages.

What is a reverse mortgage? A reverse mortgage is a special type of home equity loan sold to homeowners aged 62 and older. The loan allows homeowners to access a portion of their home equity as cash. In a reverse mortgage, interest is added to the loan balance each month, and the balance grows. The loan must be repaid when the last borrower, co-borrower or eligible spouse sells the home, moves out of the home, or dies. Most reverse mortgages today are called Home Equity Conversion Mortgages (HECMs). HECMs are federally insured. If you are interested in a reverse mortgage, first see a HECM counselor.

How does a reverse mortgage work?

After years of paying down your mortgage, you have built up equity (the amount your property is worth today minus the amount you owe on your mortgage and any home equity loan or line of credit) in your home. With a reverse mortgage, you borrow against your equity. The loan balance grows over time. You don’t have to pay back the loan while you or an eligible spouse live in the home, but you still have to pay taxes, insurance, and maintain the home. When both you and any eligible spouse have passed away or moved out of the home, the loan must be paid off. Most people need to sell their home to pay off the loan. But, neither you nor your heirs will have to pay back more than your home is worth.

Learn more about reverse mortgages and find answers to your questions at consumerfinance.gov/askcfpb

Consumer Financial Protection Bureau

Important questions

Are the borrowers the only people who live in the home?

Yes  You can remain in the home until you move out or die, so long as you keep current on your property taxes, insurance, and home repairs. If you are a co-borrower or eligible spouse, you have the same right. No   Anyone living in the home who is not a co-borrower or eligible spouse will be required to move out or repay the loan when you move or die. If you live with a spouse or partner, it usually makes sense to apply as co-borrowers on the reverse mortgage. That way, if you take out a reverse mortgage, the co-borrower can continue to receive payments from the loan while living in the home after you die or move out.

Can I afford my living expenses, property taxes, and insurance?

Yes  A reverse mortgage can help with these expenses, but it is important to have other retirement resources too. No   You could face foreclosure if you run out of money to pay property taxes, insurance, or other housing-related expenses in the future.

Do I plan to remain in my home for a long time?

Yes   A reverse mortgage usually makes more sense the longer you live in your home. No   If a health issue or other event may cause you to move out soon, a reverse mortgage is an expensive way to cover short term cash needs.

Can I wait until I am older?

Yes   It is usually best to wait, especially if you are in your 60s. No   Borrowing too soon can leave you without resources later in life. Remember to look at all your options first.

Learn more about reverse mortgages and find answers to your questions at consumerfinance.gov/askcfpb

Consumer Financial Protection Bureau

Consider alternatives Wait: If you take out a reverse mortgage when you are too young, you may run out of money when you’re older and need it more. The older a borrower is, the more money he or she can borrow. Other home equity options: A home equity loan or a home equity line of credit might be a cheaper way to borrow cash against your equity. However, these loans carry their own risks and usually have monthly payments. These also depend on your income and credit. Refinance: By refinancing your current mortgage with a new traditional mortgage, you may be able to lower your monthly mortgage payments. Lower your expenses: There are state and local programs that may help you defer property taxes, lower your heating costs, or save on other bills. Consider selling your home. Moving to a more affordable home may be your best option to reduce your overall expenses.

If you decide on a reverse mortgage

You can save money by borrowing less, and by borrowing gradually. For example, borrowing a smaller amount in the first year of your loan can help you pay less for mortgage insurance. Line of credit With a line of credit, you only pay interest on money you use. The amount of money available to you grows over time.

Monthly payout This can be a good choice if you need

additional monthly income to cover daily living expenses. You can combine a monthly payout with a line of credit. Single disbursement Single disbursements typically offer less money than other HECM payout options. With a single disbursement, you will pay interest on your money even when you don’t spend it.

No matter what payout option you select, there will be some restrictions on how much money you can access in the first year. Learn more: consumerfinance.gov/askcfpb/233/reverse- mortgage.html . You can also use a reverse mortgage to help you purchase a new home. With the HECM for Purchase option, you’ll need cash or equity from a prior home to put down a relatively large down payment, and you can use the reverse mortgage to finance the rest of the home purchase.

Learn more about reverse mortgages and find answers to your questions at consumerfinance.gov/askcfpb

Consumer Financial Protection Bureau

HUD-approved housing counseling is your best source of information on reverse mortgages Only a serious discussion with a counselor will give you the information you need to make a good decision about your home. HUD- approved reverse mortgage counselors have the latest information on reverse mortgages. Tell your counselor everything about your situation. This will help you get the most out of your counseling session. Come to counseling prepared to discuss: § § Your financial needs and goals § § Your spouse or partner’s future housing and financial needs § § The circumstances leading you to consider a reverse mortgage § § The alternatives to a reverse mortgage you have considered If you have quotes from reverse mortgage lenders, bring them to counseling. Your counselor can help you compare them. Visit HUD’s website ( http://go.usa.gov/v2H ) or call (800-569-4287) to find a qualified reverse mortgage counselor near you.

Submit a complaint Have an issue with a financial product or service? We’ll forward your complaint to the company and work to get a response from them.

 Online

consumerfinance.gov/complaint

 By phone

(855) 411-CFPB (2372) (855) 729-CFPB (2372) TTY/TDD

 By fax

(855) 237-2392

 By mail

Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244

Learn more about reverse mortgages and find answers to your questions at consumerfinance.gov/askcfpb

Consumer Financial Protection Bureau

Consumer tips for managing spending

Managing spending and keeping up with your budget can be difficult tasks, but there are ways to make it easier to manage your spending and reach your financial goals—and improve your financial well-being. This worksheet helps you recognize common spending challenges and come up with ways you can take action to manage your spending.

Improving your financial well-being means you: § § Have more control over day-to-day, month-to- month finances § § Have a greater cushion to absorb a financial shock § § Are getting on track to meet your financial goals § § Have more financial freedom to make the choices that allow you to enjoy life

Step 1: Identify spending challenges

Which of these common spending challenges apply to you? Check those that apply to you.

¨ ¨ I don’t track or budget my income and spending because it’s a hassle. ¨ ¨ I have tried to use a budget, but tracking my income and spending is too complicated and/or takes too much time. ¨ ¨ I struggle to pay my bills and expenses because I have inadequate or irregular income. ¨ ¨ When I overspend I often think I can spend less later to make up for it, but I find it’s hard to do. ¨ ¨ I don’t think about the money I spend when using my debit or credit card to make purchases. ¨ ¨ I like to treat myself and others occasionally even if I can’t afford it. ¨ ¨ My financial situation is discouraging, so I avoid thinking about it. If you’ve checked one or more of these boxes, try out some of the tips on the next page to better manage your spending.

Consumer Financial Protection Bureau

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Learn more at consumerfinance.gov

Address spending challenges 1. Start by getting a handle on where all your money goes § § Track your spending for a week or a month to see how much you’re spending in different categories. 2. Create a budget § § Create a household budget. (For an easy-to-use budget worksheet, go to My New Money Goal at consumerfinance.gov/MyNewMoneyGoal ). § § Decide how much money you can set aside or save for special occasions so that you can enjoy life without overspending. 3. Decide how much to spend § § Set a weekly spending limit based on your budget for small purchases that can add up and keep you from achieving your aspirations. Consider setting aside cash for these purchases at the beginning of the week and not spending more than you set aside. § § Check your balances before going shopping, and set a spending limit based on your budget. 4. Keep track of where you are § § Compare your actual spending to your budget, monthly or more frequently. Make adjustments to your budget if it is regularly out of line. § § Check your balances regularly on accounts, credit cards, and prepaid cards. You can check your balances online, at an ATM, on your smartphone, or by calling your bank or credit union. Be aware that these services may incur fees—check with your financial service provider. § § Sign up for balance alert text message services from your financial institution. Create a personal plan for managing spending Steps I will take to manage my spending: Pick one or more of the solutions above or come up with your own ideas 1. _ _______________________________________________________________ 2. _ _______________________________________________________________ 3. _ _______________________________________________________________ 4. _ _______________________________________________________________

Step 2:

Step 3:

Consumer Financial Protection Bureau

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Learn more at consumerfinance.gov

My new money goal Financial Planning Worksheet

Sometimes we set new goals, have changes in income, or switch priorities in our lives. Making a plan is the easiest way to navigate these changes.

You wouldn’t start a road trip without mapping it out first, and the same is true with your finances. This guide will help you gain a clear view of where your money goes now so you can more easily decide where you want it to go in the future.

These are

goals as of

‘s

/

/

Your Name

mm / dd / yyyy

What is my new money goal?

Keep this in a visible place, like on your refrigerator or near your desk to remind you of your new money goal!

I want

by

$

/

/

Goal Amount

mm / dd / yyyy

because I want to save for

What are you saving for?

What am I saving now?

List your savings goals in the spaces below. Include some money for retirement and rainy days. Try to give each goal a dollar amount and set a target for when you’d like to reach each goal. Then write down the monthly amount

you’ll need to reach your goals. After completing the income, savings, and expenses sections on the pages that follow, write down how much you plan to commit this month.

This month’s commitment

Priority

Goal

Total needed Months to goal

Monthly amount

Emergency savings

Retirement

My new goal

Other:

Other:

Other:

2

My New Money Goal

What are my sources of income?

Under month 2 , list the income you expect for this month. Enter any difference between the two. At the end of this month ( month 2 ), write down your actual income and compare it to the amount you expected.

List your sources of income. Include wages, salary, tips, government benefits, investment income, etc. List your actual take-home pay for last month in the month 1 column.

Source

Month 1

Month 2

Difference

Actual

Total

What are my expenses?

§ § Transportation fuel, parking, tolls, public transportation, maintenance, car insurance. § § Health doctor visits, dentist, medications, insurance, personal care items, gym memberships. § § Entertainment movies, events, books, subscriptions, music, and movie or game rentals. § § Miscellaneous charity or tithes, gifts, pet food and supplies.

List your expenses by category in the expense column in the table on right. Continue your list on additional sheets of paper if more space is needed.

Here is a list of sample expenses to help get you started. Create your own categories as needed. § § Home mortgage, rent, utilities, telephone, maintenance. § § Debt credit cards, loans. § § Food groceries, restaurants, take-out, coffee, snacks. § § Family day care, child support payments, alimony payments, tuition, school supplies, activities,

clothing, laundry and dry cleaning, allowances, toys.

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My New Money Goal

What are my expenses? (Continued)

In the month 1 column, list your actual expenses for last month. When you’re done, go to step 5, on next page, to compare last month’s income and expenses.

Expense

Month 1

Month 2

Difference

Actual

Total

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My New Money Goal

What is my new money goal?

Total your month 1 income and expenses. Then subtract the expenses from your income to see what’s left over.

Last Month:

$

$

$

Total Income

Total Expenses

What’s Left?

Budget for the coming month

Keep track of the difference between your month 1 and month 2 expenses in the difference column. Enter your month 2 total budgeted income and expenses on the lines below.

Are you spending more in some areas than you thought? What changes do you want to make? Enter your future spending targets in the month 2 column of your expenses list.

This Month:

$

$

$

Budgeted Total Income

Budgeted Expenses

Money to put toward your total goal

See how you did & make adjustments

Contact us

At the end of the month, list what you spent and compare your real-life numbers to your projections. You may not hit all your targets the first month. That’s okay. No one can predict the future. But now you have been working toward your goals for at least a few weeks. You’ve probably made some progress. So make a few tweaks and try again.

Website consumerfinance.gov

General inquiries Consumer Financial Protection Bureau 1700 G Street NW Washington, DC, 20552

Submit a complaint online consumerfinance.gov/complaint

About us

The CFPB is focused on making consumer financial markets work for families by enforcing federal consumer laws and by empowering consumers to take more control over their financial lives. We are working to foster a marketplace: ▪ Where customers can see prices and risks up front and where they can easily make product comparisons. ▪ In which no one can build a business model around unfair, deceptive, or abusive practices. ▪ That works for American consumers, responsible providers, and the economy as a whole.

Submit a complaint over the phone (855) 411-2372

Share your thoughts facebook.com/cfpb

Share your thoughts twitter.com/cfpb

Long-Term Care Ombudsman Program

by the Administration on Aging (AoA). Local ombudsmen work with and on behalf of residents in hundreds of communities throughout the country. RESULTS In federal fiscal year 2012, over 11,000 volunteers, 8,712 of whom were certified to investigate complaints, and 1,180 staff served in Long-Term Care Ombudsman Programs in 573 localities nationwide. Ombudsmen investigated and worked to resolve 193,650 complaints made by 126,398 individuals. In addition, ombudsmen provided information on rights, care and related services 405,589 times. RESIDENTS’ RIGHTS Ombudsmen help residents and their families and friends understand and exercise rights guaranteed by law, both at the Federal level for nursing homes and for States that provide rights and protections in board and care, assisted living and similar homes. Residents have the right to : • Be treated with respect and dignity • Be free from chemical and physical restraints • Manage their own finances • Voice grievances without fear of retaliation • Associate and communicate privately with any person of their choice • Send and receive personal mail • Have personal and medical records kept

WHAT IS THE LONG-TERM CARE OMBUDSMAN PROGRAM?

Long-term care ombudsmen are advocates for residents of nursing homes, board and care homes, assisted living facilities, and similar adult care facilities. They work to resolve problems of individual residents and to bring about changes at the local, state, and national levels to improve care. While many residents receive good care in long-term care facilities, others are neglected, and other unfortunate incidents of psychological, physical, and other kinds of abuse do occur. Thus, thousands of trained staff and volunteer ombudsmen regularly visit long-term care facilities, monitor conditions and care and provide a voice for those unable to speak for themselves. The Swedish word “ombudsman” means “a public official appointed to investigate citizens’ complaints against local or national government agencies that may be infringing on the rights of individuals.” This concept has been applied in many U.S. settings to include complaints against non-governmental organizations and advocacy for individuals and groups of individuals, as with the Long- Term Care Ombudsman Program. HISTORY Begun in 1972 as a demonstration program, today the Long-Term Care Ombudsman Program is established in all States under the Older Americans Act which is administered

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confidential • Apply for State and Federal assistance without discrimination • Be fully informed prior to admission of their rights, services available, and all charges • Be given advance notice of transfer or discharge OMBUDSMAN RESPONSIBILITIES Ombudsman responsibilities outlined in Title VII of the Older Americans Act include: • Identify, investigate, and resolve complaints made by or on behalf of residents • Provide information to residents about long-term care services • Represent the interests of residents before governmental agencies • Seek administrative, legal, and other remedies to protect residents • Analyze, comment on, and recommend changes in laws and regulations pertaining to the health, safety, welfare, and rights of residents • Educate and inform consumers and the general public regarding issues and concerns related to long-term care and facilitate public comment on laws, regulations, policies, and actions • Promote the development of citizen organizations to participate in the program • Provide technical support for the

• Advocate for changes to improve residents’ quality of life and care

RESOURCES The National Long-Term Care Ombudsman Resource Center supported with AoA funding and operated by the National Consumer Voice for Quality Long-Term Care, provides technical assistance and intensive training to assist ombudsmen in their demanding work. To contact a long-term care ombudsman, visit You can also call Eldercare Locator at 1-800- 677-1116 (http://www.eldercare.gov) and ask for the local ombudsman program or the Area Agency on Aging nearest the nursing home or similar adult care facility where the resident lives. The area agency will either be the sponsor of the ombudsman program or know where the program is located. The Medicare Guide to Choosing a Nursing Home booklet is available free from the Centers for Medicaid and Medicare Services (CMS). Call 1-800-Medicare (1-800-633- 4227) and ask for publication #02174, or view it on the Web at: http://www.medicare.gov/NHCompare. To contact your local Long Term Care Ombudsman contact Tina Strang at 970-531-2980 or [email protected] the resource center’s Web site at http://www.ltcombudsman.org.

development of resident and family councils to protect the well-being and rights of residents

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National Blood Donor Month

Blood Donor Month was proclaimed by Richard Nixon in 1970 in order to encourage Americans to donate blood and help save lives. Regardless of National Blood Donor Month, statistics show that only 10% of eligible Americans donate blood on a yearly basis. Even now, The American Red Cross needs blood donations more than ever. They are testing all blood, platelet and plasma donations for COVID-19 antibodies, and ensure that the donation process will be safe for donors and recipients alike.

To do in January: Donate Blood

We challenge you to donate blood in January (if you are eligible) and help save the lives of people in need!

If you are interested in donating blood and learning more, go to www.redcrossblood.org/

Did you know?

How do I know if I'm eligible to donate blood?

Approximately 36,000 units of red blood cells and 7,000 units of platelets are needed every single day in the U.S.

The key component to being able to donate blood is that you are healthy and feel well!

Since there are multiple ways to donate, the eligibility requirements change but most require you to be over the age of 17 and over 110 pounds.

Check with your doctor to see if you are able to donate blood!

REDUCE YOUR UTILITY BILLS FOR FREE! If you qualify, upgrades may include:

 Storm windows  LED light bulbs  Programmable thermostat  Health & Safety checks

 Furnace replacement or repair  Refrigerator replacement  Crawlspace, wall & attic insulation  Air Sealing

Income q ualified households will receive these E nergy I mprovements for FREE!

If you receive LEAP, TANF, AND, SSI, or SNAP you AUTOMATICALLY qualify. Home owners AND renters are eligible. REDUCE FUEL BILLS | BE MORE COMFORTABLE & SAFE 1-800-332-3669

Post Office Box 2308 | Silverthorne, CO 80498 | 970-468-0295 | Fax 970-468-1208

Library Lovers Month

February is dedicated to the people and the buildings in our community that are for reading, housing, finding, studying, and otherwise loving books. We hope you use this as a reminder to order a book online or over the phone at your local library. There are hundreds of books being distributed even during COVID times. You can usually pick up right at the front door. Another great opportunity is to use this month to donate to your local library-- they need the support to grow, change, adapt and continue to serve our communities. 5 Reasons we love the library: 1. You can find all kinds of books and be adventurous choosing what you want to read because they are free and easy to access. 2. You can check out ebooks and audiobooks easily via Overdrive. 3. They have a great selection of videos, including TV shows and movies. 4. They are cozy and have perfect nooks and crannies for reading. 5. They are open to everyone and have something that everyone is looking for-- books, movies, quiet time, you name it!

A poem by Varda One MY LIBRARY

It's only a room with shelves and books, but it's far more magical than it looks

It's a jet on which I soar to lands that exist no more.

Or a key with which I find answers to questions crowding my mind.

Building my habit of learning and growing, asking, and researching till I reach knowing.

Here, I've been a mermaid and an elf I've even learned to be more myself.

I think that I shall never see a place that's been more useful to me.

With encouraging kind friends with wit Who tell me to dream big and never quit.

It's only a room with shelves and books, but it's far more magical than it looks.

Vintage (Formerly known as Alpine Area Agency on Aging) has a transportation voucher to suit your needs. The voucher program works in two ways: 1. You drive yourself and receive mileage reimbursement. 2. Someone else drives you, and we pay them or reimburse you for payment. Who is Eligible? If you are 60+ and live in Eagle, Grand, Jackson, Pitkin or Summit counties, you may qualify. NEED A RIDE?

Contact Ceci Peterson for more information [email protected] 970-531-4087 16

LAUGH-FRIENDLY MONTH 5 Jokes to Make you Laugh this February

This is the month to SMILE and take as much time as possible to LAUGH with your friends or family.

Share your favorite jokes and one-liners just to spread happiness. Here are some of ours:

Yesterday I saw a guy spill all his Scrabble letters on the road. I asked him, “What’s the word on the street?”

1

Did you hear about the claustrophobic astronaut?

2

He just needed a little space.

Why do we tell actors to “break a leg?” Because every play has a cast.

3

What does a nosy pepper do? Gets jalapeño business!

4

What do you call a parade of rabbits hopping backward? A receding hare-line.

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MARCH IS

National Nutrition Month

3 TIPS FOR READING YOUR NUTRITION LABEL

WHAT IS NUTRITION MONTH?

This month is dedicated to focusing attention on the importance of making informed food choices and developing sound eating and physical activity habits. It was created by the Academy of Nutrition and Dietetics.

1: Check the Servings. The nutrition information listed on the label is usually based on 1 serving of the food but check just in case! 2: Know Your Calorie Needs. Generally speaking, around 2,000 calories a day is a general guide for nutrition advice. However, your calorie needs may be higher or lower so talk to your healthcare provider about your calorie and nutrition needs, as you age. 3: Use % Daily Value as a Guide. The %DV can help you look for foods to decide which is the better choice for you. Be on the lookout for foods with a higher %DV of dietary fiber, vitamin D, calcium, and potassium. You can also look for foods with a lower %DV of saturated fat, sodium, and added sugars. Talk to your healthcare provider about which nutrients you should track closely for your overall health.

3 WAYS TO CELEBRATE NUTRITION MONTH

1. Arrange to go to an online healthy cooking demo 2. Help organize food donation in your community 3. Plan with your family or friends to try new nutritional foods or recipes.

Can you Spare

4

Hours a Month?

Virtual or In-Person Volunteering Available

Social Isolation is as Dangerous as Smoking 15 Cigarettes a day! 4 volunteers needed to help Eagle County neighbors maintain their health by playing cards, computer games, or providing in-person or telephonic visits.

Proper PPE and Training Provided

[email protected] 970.977.0188

27

Contact us today to join our team of volunteers!

National Crat Project Month

Who doesn't love crafts? We sure do!

Craft month originated in 1994 by the Craft and Hobby Association. This month is intended to help everyone rediscover the joy of crafting, whether that be painting, knitting, drawing, building, or making beaded bracelets, there are tons of opportunities to celebrate this month. You can find a new favorite handy hobby or even take up a hobby you used to love back in the day. You may not consider yourself artistic but this month is about creativity and fun! Some great ideas are making cards for birthdays or holidays for your loved ones or trying a new recipe and adding some of your own flavors to it! A fun idea is to challenge yourself with a 31 Day Creative Challenge! During these 31 days, you commit to creating something every day-- small or big!

What are your favorite crafts? Spend some time this month prioritizing them!

March Craft Month

Print & Color Pages

March Craft Month

Print & Color Pages

Medicare and Medicaid Basics

MLN Booklet

The Centers for Medicare & Medicaid Services (CMS) administers Medicare and Medicaid along with other Federal health care programs and services. This booklet provides an overview of the Medicare and Medicaid Programs and some brief information on other types of health coverage. QUICK FACTS

Medicaid Medicaid is a network of Statewide programs administered by State governments following broad national guidelines established by Federal statutes, regulations, and policies. Health care coverage for: ● ● Low-income adults ● ● Pregnant women ● ● Children Eligibility varies from State to State. Medicaid is the nation’s largest payer of mental health services, long-term care services, and births. Medicaid pays for 40 percent of all births.

Medicare Medicare is a national program administered by the Federal government, comprising: ● ● Part A – Hospital Insurance Inpatient hospital, inpatient skilled nursing facility, hospice, and some home health services ● ● Part B – Medical Insurance Physician services, outpatient care, durable medical equipment, home health services, and many preventive services ● ● Part C – Medicare Advantage (MA) Medicare-approved private insurance companies that provide all Part A and Part B services and may provide prescription drug coverage and other supplemental benefits ● ● Part D – Prescription Drug Benefit Medicare-approved private insurance companies that provide outpatient prescription drug coverage Health care coverage for: ● ● People 65 or older ● ● People with certain disabilities ● ● People diagnosed with end-stage renal disease (ESRD) Medicare is the nation’s largest payer of inpatient hospital services for the elderly and people with ESRD.

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ICN 909330 July 2018

Medicare and Medicaid Basics

MLN Booklet

BENEFICIARIES

Medicare

Medicaid Individuals must meet eligibility requirements and State rules. Federal law requires States to cover certain eligibility groups and gives them the flexibility to cover others. All States cover eligibility groups that serve the following populations: ● ● Children and adolescents ● ● Parents or caretaker relative of minor children ● ● Certain people with disabilities or blindness ● ● Pregnant women ● ● Seniors ● ● Youth “aging out” of foster care For many eligibility groups, individuals must meet certain resource limits. In addition, individuals must meet State and Federal requirements for: ● ● Immigration status ● ● Residency ● ● U.S. citizenship

Health insurance for: ● ● People 65 and older ● ● People younger than age 65 with certain disabilities entitled to Social Security disability or Railroad Retirement Board benefits for 24 months (the 24-month waiting period is waived for people with amyotrophic lateral sclerosis [ALS], also known as Lou Gehrig’s disease) ● ● People of any age with ESRD

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ICN 909330 July 2018

Medicare and Medicaid Basics

MLN Booklet

Dual Eligible Beneficiaries “Dual eligible beneficiaries” generally describes beneficiaries eligible for both Medicare and Medicaid. The term includes beneficiaries enrolled in Medicare Part A, Part B, or both and receiving full Medicaid benefits or assistance with Medicare premiums or cost sharing through one of these Medicare Savings Program (MSP) eligibility groups: ● ● Qualified Medicare Beneficiary (QMB) Program: Helps pay premiums, deductibles, coinsurance, and copayments for Part A, Part B, or both programs ● ● Specified Low-Income Medicare Beneficiary (SLMB) Program: Helps pay Part B premiums ● ● Qualifying Individual (QI) Program: Helps pay Part B premiums ● ● Qualified Disabled Working Individual (QDWI) Program: Pays the Part A premium for certain disabled and working beneficiaries who have disabilities For more information, refer to the Dual Eligible Beneficiaries Under Medicare and Medicaid booklet.

COVERED SERVICES

Medicare Beneficiaries may choose coverage as follows: ● ● Part A and Part B services through the Original Medicare Program with optional Part D coverage through a stand-alone Prescription Drug Plan ● ● Part A and Part B services through an MA Plan if they reside in its service area, with Part D coverage included in some MA Plans Note: Some beneficiaries get a Medicare supplement plan (also called Medigap) for expanded coverage in the Original Medicare Program

Medicaid Some Medicaid Programs pay for care directly. Others use private insurance companies to provide Medicaid coverage. States must cover certain services through their Medicaid Program, including: ● ● Doctor visits ● ● Inpatient and outpatient hospital services ● ● Mental health services ● ● Needed medications ● ● Prenatal care and maternity care ● ● Preventive care, such as immunizations, mammograms, and colonoscopies

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Medicare and Medicaid Basics

MLN Booklet

COVERED SERVICES (CONT.)

Medicare

Medicaid States may choose to cover added services. Some of these include: ● ● Dental services ● ● Home and community-based services

Part A helps cover: ● ● Inpatient hospital care ● ● Skilled nursing facility care ● ● Hospice care ● ● Home health care Part B helps cover: ● ● Services from doctors and other health care providers ● ● Outpatient care ● ● Home health care

● ● Physical therapy ● ● Prosthetic devices ● ● Vision and eyeglasses

Children and adolescents get vision, dental, hearing, and other services through the Medicaid Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) benefit

● ● Durable medical equipment ● ● Many preventive services

Part C includes all benefits and services covered under Part A and Part B and may include extra benefits and services for an extra cost. Part D helps cover the cost of prescription drugs.

OTHER COMMON TYPES OF COVERAGE You may encounter patients with health care coverage other than Medicare or Medicaid. These programs include: ● ● Private insurance coverage (such as group health plan or retiree coverage) ● ● TRICARE ● ● COBRA ● ● Workers’ Compensation ● ● Liability insurance coverage For more information on these types of coverage, take the Medicare Secondary Payer Provisions web-based training course. Need help accessing the course? Find information in The Medicare Learning Network® (MLN) Learning Management System (LMS) FAQs booklet.

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ICN 909330 July 2018

Vintage (formerly known as Alpine Area Agency on Aging) In-Home Services Voucher Program Do you need help with daily activities like vacuuming, doing laundry, snow removal, and personal care? The Vintage In-Home Services Program provides funding for older adults who need assistance with personal care, chores, and homemaking services. Who is Eligible? If you are 60+ and live in Eagle, Grand, Jackson, Pitkin or Summit county, you may qualify.

Contact Ceci Peterson for more information [email protected] 970-531-4087 30

Summit County Veterans Services The County Veterans Service Office (CVSO) assists veterans and their dependents withmany questions and requests, including the following: Requests for copies of military discharges (DD 214)

Requests for home loan eligibility

Application for service connected compensation

Application for veterans administration pension

Application for enrollment in veteran administration health care benefits

Additionally the local CVSO is the recipient of two grants to assist veterans in NEED.

Resources:

http://www.va.gov/VA.gov http://www.cem.va.gov/Veterans Burial and Memorial Benefits http://gravelocator.cem.va.gov/j2ee/servlet/NGL_v1Veterans Grave Site Locator https://www.hcvaco.org/High Country Veterans Adventures https://maketheconnection.net/Make The Connection Veterans can connect directly with the http://www.dmva.state.co.us/Colorado Division of Veterans Affairs to download applications and learnmore about available programs.

Duane Dailey Summit County Veterans Services Officer Cell: (970) 509.9024 [email protected]

Summit County Community and Senior Center 0083 Nancy's Place (CR 1014) Frisco, CO 80443 Phone: (970) 668.2940 Fax: (970) 668.2954

Your Complete Guide to

Pitkin County's

Virtual Events & Activities

Yoga with Mary Anderson

Wednesdays 10:30-11:45 Email [email protected] or [email protected] for the link to participate.

All Things

Fitness

Balance Class

Recorded https://youtu.be/F8R_4BgRYJ0 video of a balance class you can do at home, with Krista Fox.

Christi's Couch Classes

Stretch Class: Monday - Thursday 9:30 - 10:30 a.m. Pilates: Tuesday 10:30-11:30 a.m. Aerobics: Thursday 10:30- 11:25 a.m. Use this "Google Meet" link meet.google.com/qhw-grwp-dvp Email [email protected] if you have any questions. Donations welcome!

Aspen Recreation Center

Subscribe to the ARC's YouTube channel , and workout when you wish!

CMC Free Classes

Zen Barre: Tuesday & Thursday 12:00-12:50 p.m. Sana Wells Zumba : Wednesday 12:00-12:50 p.m. Sana Wells Mat Pilates : Monday, Wednesday, Thursday and Friday 8:30-9:30 Christie Herman and Kira Sadler Go to www.coloradomtn.edu/community-education/classe s and check the “Free-Online Courses” box right above the search fields. Leave the “All campuses” and “All Programs” fields as they are to see what is being offered college-wide.

Get Outside!

Check out the Pitkinoutside.org . You can also download the app on your smartphone for on-the-go trail guidance.

Other Free Options

There are many free workout sites available online. Fitness Blender is easy to use. For yoga, check out Yome or Do Yoga With Me.

Movie Group

New Movie Reviewed Each Week All movies are available for free on Kanopy Get started by creating a Kanopy account. You will need your library card

Discussion

Groups,

Book Club

Monthly via Zoom on Last Wednesday of the Month at 10:45 Book selections in Pitkin County Senior Center Newsletter. Email [email protected] for more information.

Education

&

Colorado Mountain College

Is offering numerous online courses, some of which are free of charge. Check the "Free-Online Courses," box right above the search fields. Leave the "All campuses" and "All Programs" fields as they are to see what is being offered college-wide. www.coloradomtn.edu/community-education/classes

Games

Additional Free Options

Aspen Institute: www.Aspeninstitute.org Open Yale Courses: www.oyc.yale.edu HarvardX: www.edx.org/school/harvardx

Pitkin County Library

The building is closed, but the Library is providing curb-side pickup of materials. Go to www.pitcolib.org/heres-scoop-placing-holds-and-picking-them

Trickster Cards

Learn new card games, play with friends or the online community. www.trickstercards.com

Online Bridge--BBO

Learn new card games, play with friends or the online community. www.bridgebase.com

Online Games Curated by AARP

Learn new card games, play with friends or the online community. www.games.aarp.org/category/all-games

Let's Talk About Religion--Where Do We Begin?

New Education Series Patrick J. D'Silva, PhD Rev. Thomas Sh ō nen DeZauche, MA

Spirituality

&

Exploring and investigating religion and spirituality is a part of what makes us human. Continuing these efforts later in life is no different than earlier, as people seek understanding, wisdom and connection. This educational series on Religious Traditions will cover a number of themes. What are core beliefs of major religions? What foundational knowledge about each tradition would be helpful for all of us to understand? Are there meaningful similarities and differences between traditions?

Exploration

Learn more about:

Religious Studies Hinduism Buddhism Judaism Christianity Islam Sufism Confucianism Daoism New Topics Coming Soon

Access classes under the "Educational Opportunities" at www.pitkinseniors.com/virtual-events--activities.html

You can reach a large list of Pitkin County Congregations, many of which are offering virtual worship services at the same web address under the "Spirituality" tab.

Virtual Tours

Louvre: www.louvre.fr/en/visites-en-ligne San Diego Zoo live animal cams : www.zoo.sandiegozoo.org/live-cams Denver Zoo: www.denverzoo.org/zootoyou/ Aspen Art Museum: www.aspenartmuseum.org/calenda Denver Art Museum: www.denverartmuseum.org/denver-art-museum-home Smithsonian: www.si.edu/online

& SO MUCH MORE!

Pitkin County Senior Services has cultivated FAR MORE virtual fun & experiences than we could include here! There TONS of Art links, Music links, Games, more museums, and educational opportunities listed at www.pitkinseniors.com under the "Virtual Events & Activities" button! Seriously, check it out! It's AMAZING!