Archive for the ‘Uncategorized’ Category

Elder Index Data Sheets Available

Wednesday, June 24th, 2015

Since 2008 the New Jersey Foundation for Aging (NJFA) has been working on the NJ Elder Index. With the first official release in 2009 the Elder Index tells us what it cost a person over 65 to live in NJ. And not just statewide average, but a cost of living index for all 21 counties. The Index incorporates the costs for housing, food, transportation and healthcare.

Subsequent reports in 2012 and 2014 have been done and include not only the cost of living index, but also a demographic study to give us a profile of which seniors are living below the index in all 21 counties.

This has given us an understanding of the plight of seniors in NJ. For instance we know that 30% of NJ’s elders rely solely on Social Security for their income and that 43% of seniors in a one or two person household live below the index. We also now know that from 2009 to 2014 a single elder renter’s cost rose 13.5%, meaning her cost of living went from $25,941 to $29,436- an almost $4,000 increase! Yet, that renter likely did not see a rise in income.

The NJ Elder Index is a valuable tool for helping seniors. Service providers and policy makers can use the data to plan for serving NJ’s seniors, older adults, boomers and their families can use it to plan for retirement. It also helps community agencies and government to measure how public supports are helping seniors. To that end, NJFA would like you to know that Fact Sheets are available on our website for all 21 counties. This includes the cost of living data and the demographic study.

You can find this information at http://www.njfoundationforaging.org/policy-reports/

 

Robo-Call Scams

Tuesday, April 28th, 2015

Robo-Call Scams

Here at NJFA, both Grace and I (Melissa) have received calls on our cell phones claiming to be from “Cardholder Services”. The recorded voice does not specify the credit card company but urges you to contact them about your account.

We’ve also heard recently from others who have received similar calls, as well as calls from people posing as the IRS. The most recent call I received even came from a local phone number and not a 1-800 number. Apparently there is technology that allows the scammer to change how the # they are calling from appears on your caller ID, so it may look legitimate.

I checked the Better Business Bureau (BBB) website and found that the call I got is a well known scam. The voice on the recording identified herself as “Rachel from cardholder services”. The article on the BBB’s website was from 2014 and indicated that this scam had already been going on for years.

The concept of this scam is no different from the others, the caller wants you to either pay for a “service”, or provide personal information (like account numbers or Social Security Numbers). You should not do either. If the caller claims to be from your bank or credit card company, hang up, look up the correct contact information for your bank or credit card company and call that # to verify any account concerns.

It is also important to remember that the IRS, Social Security, and most government agencies are not going to call you. The IRS specifically will always send you a letter first about any money owed. The current IRS scam involves a caller identifying themselves as an IRS employee and demanding immediate payment via a wire transfer or pre-paid debit card. If the victim refuses to cooperate, they are then threatened with arrest, deportation or suspension of a business or driver’s license. In many cases, the caller becomes hostile and insulting.

With any scam, the request for a pre-paid debit card should be a red flag. This is the scammers preferred way of getting your money. The IRS, and most likely any legitimate entity will not demand payment via a specific method, such as pre-paid debt cards or wire transfers.

You should report all incidents to your local authorities, in addition you may find these helpful as well:

Internal Revenue Service (IRS) phishing@irs.gov or 1-800-366-4484.

Better Business Bureau at http://www.bbb.org

Federal Trade Commission https://www.ftccomplaintassistant.gov/#crnt&panel1-1

NJ Division of Consumer Affairs 1-800-242-5846 or www.njconsumeraffairs.gov

Announcing NJFA’s 17th Annual Conference!

Thursday, March 26th, 2015

Announcing NJFA’s 17th Annual Conference!

NJFA will hold its 17th Annual Conference on Wednesday, June 3rd at the Crowne Plaza Monroe. The 2015 Keynote Speakers are James Firman, CEO of NCOA and Nora Dowd Eisenhower, Assistant Director of the Consumer Finance Protection Bureau Office of Financial Protection for Older Americans. Jim Firman will address the crowd in the morning. Heis recognized leader and advocate in the field of aging. Mr. Firman will discuss a variety of topics including key aspects of the political and legislative landscape, such as the White House Conference on Aging and the Affordable Care Act. He will also talk about NCOA’s work on Elder Justice, Economic Security, Benefits Check-up, Senior Hunger and evidence based programs.

Ms. Dowd Eisenhower will be the luncheon keynote speaker and will discuss the mission and structure of the Consumer Finance Protection Bureau (CFPB) and the specific role of the Office for Older Americans. She will also talk about CFPB tools/guides on financial decisions such as reverse mortgages or choosing a financial advisor. This will include two programs from CFPB that look at preventing elder financial exploitation and guides created for powers of attorney, etc.

The 2015 conference workshop speakers will include policy makers, direct care & clinical practice specialists. Topics include Dental Health and Oral Cancer Screenings, Addiction and Gambling in Older Adults, New Models of Care, Elder Bullying and more.

More information and registration can be found on NJFA’s website at www.njfoundationforaging.org Limited vendor space and sponsorships remain, call us at 609-421-0206, email at office@njfoundationforaging.org or check out the website for details.

The New Jersey Foundation for Aging (NJFA) is a public charity with the primary goal to empower elders to live in the community with independence and dignity.slide_01

 

Federally Qualified Health Centers Providing Quality Health Care to New Jersey’s Aging Adults

Monday, March 9th, 2015
In the Winter 2015 issue of Renaissance magazine we featured an article about Federally Qualified Health Centers. The full article is below.

Federally Qualified Health Centers Providing Quality Health Care to New Jersey’s Aging Adults
Linda Whitfield-Spinner,  DMH, LCSW, PCMH CCE
Quality Program Director
New Jersey Primary Care Association, Inc.

Twentieth-century advances in medicine have enabled people today to live longer, healthier and more productive lives. However, “more than a quarter of all Americans and two out of every three older Americans have multiple chronic conditions, and treatment for this population accounts for 66% of the country’s health care budget.”1
According to The State of Aging in America 2013 report, mobility should be considered fundamental to everyday life and central to an understanding of health and well-being among older Americans. “Impaired mobility is associated with a variety of adverse health outcomes.”2
Many private health care providers have moved out of urban settings to the suburbs, making it difficult for seniors and their caregivers with limited transportation options to continue their care with these practices. Federally Qualified Health Centers (FQHCs) are readily available resources for seniors and caregivers. These comprehensive health care centers are often underutilized by seniors who may not think to go to a FQHC. FQHCs are community-based, nonprofit or public organizations that provide services to people who lack access to health care, including those without insurance, residents of rural and underserved areas. FQHCs provide comprehensive primary health care services as well as supportive services (education, translation and transportation, etc.) that promote access to health care. These comprehensive services vary from health center to health center and may include General Primary Medical Care, Prenatal and Perinatal Care, Preventive Dental Care, Mental Health and Substance Abuse Treatment/Counseling, Vision, and Pharmacy. FQHCs provide these services to people of all ages, whether or not they have health insurance. For those who do not have insurance, services are provided on a sliding fee scale, based on their ability to pay.
FQHCs also focus on prevention and disease management which can help avoid emergency department visits and hospitalizations for chronic conditions like diabetes and asthma.
Oral health is a vital part of overall health throughout the life cycle. According to Juris Svarcbergs, D.M.D., M.P.H., Dental Director, at CAMcare Health Corporation, “Most people know that regular medical and dental check-ups are important. Yet many seniors cannot afford routine dental care because of fixed incomes or limited access to care.” Poor oral health impacts overall health and increases the risk for chronic illnesses like diabetes and heart disease. Other challenges may include problems chewing, pain, limiting food choices and low self-esteem due to an unattractive physical appearance.
According to the Center for Disease Control and Prevention, one quarter of adults over the age of 65 have lost all of their teeth. Major barriers for the elderly obtaining proper dental services include lack of access to dental care and high costs.3
Dental care is part of the comprehensive services available at many of the FQHCs in New Jersey. For example, CAMcare Health Corporation (CAMcare), a FQHC that serves communities in Camden and Gloucester Counties, in New Jersey, began providing Senior Dental Services targeted to outlying townships in Camden County in May of 1995. One program sponsored by the Camden County Board of Chosen Freeholders (Dept. HHS, Division of Senior Services-ADRC) in partnership with Camcare Health Corporation, provides dental services for Camden County residents.
“As a trusted provider of comprehensive medical and dental care, Zufall Health Center has successfully implemented access to oral health care to seniors living in public housing,” says Rina Ramirez, MD FACP, Chief Medical Officer at Zufall Health Center. Through the use of their mobile van, dentists at Zufall regularly visit seniors where they live to provide much needed dental services.
In addition, Zufall provides patient navigation services and programs to Morris County’s most vulnerable older adults for over 7 years. The health center’s patient navigators are trained, culturally sensitive health care workers who serve as liaisons between the patients/families and the treating physicians and other health care systems. Navigation spans a range of needs including enrollment and eligibility assistance, translation and interpretation services during a visit to a health care provider or social service agency, assistance with compliance with medical advice such as getting needed tests, obtaining appointments for subspecialty referrals, scheduling follow up appointments and completing medical forms, and transportation to and from appointments.
Zufall’s Intergenerational Program, or ZIP for short, joins together preschoolers and seniors to actively engage with health topics. The program runs for five weeks, covering topics such as healthy eating, going to the doctor, what to expect on a dental visit, and safety. Throughout the course of the program, seniors (also known as Grandfriends) help their very own preschooler to master health topics while reinforcing their own knowledge as well. It is the active, engaging, and hands-on format of the series which makes the program so valuable for seniors and the kids alike.
Programs such as improving access to dental services to seniors, patient navigation services and ZIP are an integral part of Zufall Health Center, and provide individualized attention and support to patients in this older age group.
There are 20 FQHCs in New Jersey with satellite sites in every county, totaling 120 sites. All New Jersey FQHCs, are working to meet the health care needs of everyone in the communities they serve. To learn more about New Jersey FQHCs and to find a health center near you, please visit the New Jersey Primary Care Association website at www.njpca.org or click here.

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1. http://www.cdc.gov/features/agingandhealth/state_of_aging_and_health_in_america_2013.pdf (ii)

2. Ibid, page iii

3. Center for Disease Control and Prevention: http://www.cdc.gov/chronicdisease/resources/publications/aag/doh.htm

 

Job hunting over 50

Friday, February 20th, 2015

Job hunting over 50

Looking for a new job over 50 might not sound like an easy task, but it is possible. And there are some steps you can take to increase your success.

Keep busy. Be a self starter. You can remain active by consulting, writing articles or blogs. It’s a mistake to take too much of a break. Keeping in touch with colleagues is also great. Keep them up to date on what you are doing and ask what is going on in their field. Networking can be a very beneficial thing, you can even look into attending networking meetings.

Be up to date. Email accounts with aol or yahoo are considered out dated. You may want to look into creating a gmail account (google) or using outlook. You want your email address to look professional and convey who you are, so no cute nicknames. Your email address should be your name and maybe something to indicate your profession or field of interest. For example, mchalkerSW@gmail.com

It’s good to be careful about your online persona, but being completely unable to find is not good either. An online job search expert, Susan P Joyce said, “the biggest mistake I see is older job seekers confusing privacy with invisibility”. You can create a Facebook account and/or a Linkedin profile where you can share information about yourself or things relevant to your line of work. Remember to keep it professional, no pictures of you getting drunk at a party or inappropriate posts like off-collar jokes.

You may be able to negotiate a few perks when offered a job for less money than you were hoping. Holding out for a job that pays more is not always the best move, that job may not be out there. It may be necessary to accept a job that is below your asking salary. However, you may be able to ask for more flextime, vacation days or another perk. Do some research on what jobs in your field of interest are paying, this will help you be prepared when asked what salary you are looking for.

It’s also good to be prepared in regard to your resume. It’s a good idea to ask for help from friends or family, but you can also get professional resume assistance. And keep it short, no one wants to read a five page resume. Recruiters get a lot of resumes, keeping it short and sweet is key, limit your work history to your most recent jobs. Highlight your skills. And proofread, nothing turns people off more than typos.

And don’t forget to check your wardrobe. If you’ve been working in a business casual environment, you may have to spend some money updating. Make sure your clothing fits and is not obviously out of date.

Do your research on any company you are interviewing with. You want to sound knowledgeable when you meet with them and you also want to be able to say why you will be a good asset. And be prepared to ask the interviewer questions too. Don’t say no if you are asked if you have any questions, come prepared with a few to ask.

Apply for a job even if you don’t meet all of the “job requirements”. I think this is good advice for job seekers of any age. Employers aren’t necessarily looking for someone to have all of the skills they list in a job description, if you meet a number of skills on the list and have other good qualities like a good work history you might be just the person they are looking for!

You can find assistance at

NJ Dept of Laborhttp://jobs4jersey.com/jobs4jersey/jobseekers/older/

Pathstonehttp://www.pathstone.org/services/training-and-employment-services/#Senior%20Training%20and%20Employment%20Services

Workforce 50http://www.workforce50.com/content/JobsByState/New-Jersey-Jobs.cfm

AARPhttp://www.aarp.org/work/job-hunting/?intcmp=FTR-LINKS-JOBRES-JOBHUNT

 

WINTER HEALTH 101, BY: HELEN HUNTER, ACSW, LSW

Tuesday, January 27th, 2015

soupHelen Hunter is a Social Worker and Geriatric Case Manager who often writes for Renaissance Magazine (NJFA’s online magazine for seniors, boomers and caregivers!) which you can view at http://www.njfoundationforaging.org/renaissance-magazine/

Here is a piece she has agreed to share with us on the blog, which is very appropriate for the season. Be sure to read to the end for a quick recipe.

WINTER HEALTH 101

With all of this bitter cold and bone-chilling wind we have had recently, I thought I’d share some information to help you stay healthy this winter (and for the rest of the year, too!)

Colds and the flu are caused by viruses, NOT from being outside or due to the abrupt change in weather temperature. Rhinovirus (the virus that causes the common cold) actually survives from the late spring through to the early fall months, when the humidity is high. Since we are more apt to be outside during these months, exposure is less likely. Cold and flu viruses spread more in the winter due to close contact with people indoors.

You CANNOT get the flu from a flu shot! Flu is spread through direct transfer of the virus from an infected person when they sneeze, cough, kiss or shake hands with someone else.

You lose heat from any part of your body that is exposed to the cold and not covered with clothing. If you’re wearing warm clothing, but your head is uncovered, then the only place you can lose body heat is your head. So, in addition to wearing warm clothing, you need to also wear warm socks, gloves and earmuffs and/or hats to protect yourself. Protecting your extremities is crucial, since those areas are most vulnerable to frostbite.

The sun’s rays are not as strong in winter as they are in the summer. However, you can STILL get sunburn, even if it’s cold and cloudy, and when the sun’s rays reflect off snow! Protect your skin by using a sunscreen with SPF 30 or higher and UVA/UVB blocker year round.

Pollen or ragweed allergies improve somewhat in the winter. If you are sensitive, however, to indoor allergens such as pet dander, mold or dust mites, your allergies may actually worsen! Sneezing or stuffy nose symptoms may be more problematic than usual during the winter season, so keep your home as clean and germ free as possible.

Eating chicken soup CAN fight a cold! Chicken soup may have a positive effect on the immune system and can bring white cells together, which help fight off infection in your body and help you recover faster if you become sick. So, ALWAYS have a stockpile of chicken soup (preferably homemade) in your refrigerator or freezer! In addition, hot liquids can also help reduce the symptoms of a cold or flu virus, relieving sinus and throat pain.

Hope this information is helpful to you in making sure that you go through the winter season and throughout the year as healthy as possible! Let’s all strive for a healthy body, mind and spirit EVERY day!

Want to make homemade soup? Here’s a quick recipe:

Chicken soup

Boil down all the bones with onions, garlic, carrots, celery and spices for a couple hours until all the meat that was left on the bones falls off and the bones have released their collagen (the gelatinous protein) and you’ve got homemade chicken stock. Strain it, pick out the chunks of chicken, add more ingredients like noodles or rice and new vegetables and you’ve got a pot of chicken whatever soup.

SCAM ALERT: Mystery Shopper Scam

Friday, December 12th, 2014

It’s the Holiday season and everyone is busy doing their shopping and preparing for celebrations. There’s that special feeling in the air and you’d like to think everyone is jolly. However, we have to remember not to let our guard down, because scam artists are out there waiting to snag you during this magical time of the year.

Recently a new scam has come to light and even has roots in New Jersey. It’s called the Mystery Shopper Scam.

Here’s how it works- you might receive an unsolicited email offer to be a mystery shopper. Or, get a message on social media from a “friend” who says they’ve had success with mystery shopping in reality, that friend’s account had been hacked. Other scammers will put ads in newspapers or online posting sites like Craigslist, promising an easy way to make money. There have even been cons offered through regular mail.

Once contact has been made with a person who wants to be a mystery shopper, they’ll send a check to the shopper. Of course, the check is a fake, and it will bounce, but not until days or even weeks later. The shopper is instructed to cash the check and take the funds for the shopping assignment. The assignment is “to analyze the ease of purchasing MoneyPak cards, or using a wire service such as Western Union”.

The shopper is instructed to visit a local retailer to buy MoneyPak cards (in some examples it was 3 cards worth $500 each) with the bulk of the money from the fake check. The rest is meant for the shopper to keep as a fee. After the purchase, the shopper is supposed to report on the shopping experience. To report on the experience the shopper must complete a survey, there are questions about the shopping experience, but also the shopper is supposed to enter the numbers that appear on the MoneyPak cards. You see, the scam is that the con artists take the money from the purchased gift cards, the check sent to the mystery shopper bounces and boom the scammers get the money and the shopper is out of up to $1,500.

The moral of the story is, if it sounds too good to be true, it probably isn’t real. Please use caution, especially during this holiday season.

Here are some red flags identified by the Federal Trade Commission to look out for:

Legitimate mystery shopping companies won’t:
• Advertise for mystery shoppers in a newspaper’s ‘help wanted’ section or by email.
• Require that you pay for “certification.”
• Guarantee a job as a mystery shopper.
• Charge a fee for access to mystery shopping opportunities.
• Sell directories of companies that hire mystery shoppers.
• Ask you to deposit a check and wire some or all of the money to someone.

To sum up, The Federal Trade Commission states that you should never pay to be a mystery shopper, you shouldn’t wire money to someone promising you a mystery shopper job and do research if you are interested in legitimate mystery shopper jobs. You can visit the Mystery Shopping Providers Association (MSPA) website at mysteryshop.org to search a database of mystery shopper assignments and learn how to apply for them. The MSPA offers certification programs for a fee, but you don’t need “certification” to look – or apply – for assignments in its database.

If you think you’ve been a victim of this or another scam, you can make a complaint through the Federal Trade Commission at https://www.ftccomplaintassistant.gov or contact your local law enforcement.

 

scam-alert

 

 

NJFA to host Honoree Event and Celebration, December 7th

Wednesday, November 12th, 2014

NJFA to host Honoree Event and Celebration, December 7th

Trenton—The New Jersey Foundation for Aging (NJFA) will host the Fall Honoree Event on Sunday, December 7th. The program will begin with a 2 pm matinee at the George Street Playhouse to see the production The Fabulous Lipitones. The show is a new musical comedy. Following the performance, guests will be invited to the Honoree Award Dinner at the Heldrich Hotel in New Brunswick.

Photo of Susan

Susan Bredehoft

The 2014 Honorees includes partners that enable the NJ Foundation for Aging to continue its work on behalf of NJ’s seniors. Honorees include the Grotta Fund for Senior Care, Lowell Arye, and Susan Bredehoft, NJFA Treasurer. The Grotta Fund for Senior Care has worked alongside the Foundation to create greater awareness of the diverse needs of seniors. Recently the Grotta Fund funded professional development programs to improve care transitions for seniors as they return to their homes after a period of hospitalization. Lowell Arye has worked in state and federal government, academia, philanthropy and the non-profit sector for more than 30 years. Lowell’s nationally recognized work focuses on the nexus between income security, health and long term services and supports for seniors and people with disabilities. Susan Bredehoft as Treasurer of the NJ Foundation for Aging has provided financial guidance and acumen to the NJFA Board during some fiscally lean years. Susan has also served as Event Chair since the inception of the annual fundraising event.

Lowell at Microphone

Lowell Arye, Deputy Commissioner of the NJ Dept of Human Services

  

After the performance at the George Street Playhouse the evening will include a reception and dinner at the Heldrich Hotel that will feature the award presentation, a silent auction, a 50/50 raffle and a menu that is sure to please. More information regarding tickets and sponsorship opportunities are available by visiting, www.njfoundationforaging.org , or by calling the office, 609-421-0206. Or, contact us by email at mchalker@njfoundationforaging.org

 

fablipsign

Encore Presentation!

Wednesday, October 22nd, 2014

 Encore Presentation!

 NJFA is pleased to announce that we will be hosting an Encore Presentation of two sessions offered at our June conference. If you were unable to attend in June or if you did attend and did not get to these sessions, now is your chance!

 Also, please send this along to any colleagues who may have missed out on our June conference.

 Space is limited! Register today!

 NJFA Fall Seminar Series

Monday, November 10th

8:30 am to 12 pm

Crowne Plaza Monroe

Aging in Place for All

Land Use and Complete Streets- Considerations for age friendly communities.

Karen Alexander, MPA, Managing Director, NJTIP @ Rutgers

Tim Evans, MS, MCRP from NJ Future

Recognizing and Adjusting Attitudes to Serve LGBT Seniors

Carolyn Bradley, Ph.D, LCSW, LCADC, Associate Professor Monmouth University.

 2 CEUS for Social Workers, LNHA/CALA, Activity/Recreation Professionals

 8:30 am        Registration and Continental Breakfast

9:00 am        Welcome

9:30 am        Program Begins

 Registration: $45

Please RSVP by November 3rd.

Name:______________________________ Organization:________________________________

Email:_______________________   Phone#:___________________

Payment:

?Check

Please make check payable to NJ Foundation for Aging, 145 W. Hanover St. Trenton, NJ 08618

?Credit Card

(Visa/Mastercard/Discover Only)

Name (as appears on Card) _____________________

CC #________________________________________

Security Code(3 digit # on back of card)___ Exp Date___

Billing Zip Code ____________

This program has been sponsored by The Reinvestment Fund

Questions? For more information, contact the New Jersey Foundation for Aging at 609-421-0206 or email mchalker@njfoundationforaging.org

Please return this form by November 3, 2014 to the email above or fax to 609-421-2006

Space is limited, register early!

 

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http://www.njfoundationforaging.org/

Medicare Open Enrollment Starts Today (Oct. 15th)

Wednesday, October 15th, 2014

Medicare Open Enrollment Starts Today (Oct. 15th)

Open Enrollment is happening now. From October 15th to December 7th you can make changes to your Medicare coverage.

What changes can you make?

If you are enrolled in Original Medicare, you can join a Medicare Advantage plan with or without drug coverage. These plans are private companies that are approved by Medicare and give you the services of Original Medicare. If you join a Medicare Advantage plan, you do not need to have a supplement plan (also known as a Medigap policy) and if your Medicare Advantage plan has drug coverage, you will not need a Part D plan.

If you are in a Medicare Advantage Plan, you can switch to another Medicare Advantage plan or drop your Medicare Advantage Plan. If you decide to drop a plan and not switch to another plan, you will be enrolled in Original Medicare.   You should then consider enrolling in a supplement plan to cover the costs that Original Medicare does not pay for and enroll in a Part D plan for drug coverage.

If you are in Original Medicare with a Part D plan, you can stay in Original Medicare and switch your Part D plan.

If you are in Original Medicare and do not have a Part D plan, you can enroll in a Part D plan.

Why You Should Review Your Coverage

It’s important to review your coverage before making a decision. And remember just because your doctor and medications are covered in your Medicare Advantage plan, supplemental plan or drug plan this year doesn’t automatically mean they will be covered in the coming year. Research studies show that Medicare recipients can save money if they review their Part D coverage. Make sure to confirm cost, copays, coinsurance, covered providers, and prescription drugs. Here are a few things to consider:

  • Has your health changed in the last year?
  • Is your current plan still meeting all of your health needs?
  • How much have you paid out-of-pocket in the last year—and for what?
  • How is your plan changing for the coming year? How will that affect your out-of-pocket        costs?
  • Are there better options available to you now?

There are many ways you can get assistance with this process. You can contact Medicare directly at 1-800-MEDICARE or at www.medicare.gov

You can also contact your County SHIP (State Health Insurance Program) by calling 1-800-792-8820 or visit http://www.state.nj.us/humanservices/doas/services/ship/

NCOA (National Council on Aging) also has some useful information and tools. Like Medicare Quick Check, where you can answer some questions and you’ll get advice on choosing a new plan. Find it at https://medicarequickcheck.benefitscheckup.org/medicare-quick-check/?SID=543e7baa3cc91

In November, tune into Aging Insights to hear from the Senior Medicare Patrol of NJ, including Open Enrollment.

News-Open-enrollment-Oct-15th