Posts Tagged ‘activities’

Did you know? NJFA is celebrating our 15th Anniversary this year!

Monday, May 13th, 2013

Did you know?

Did you know that NJFA is celebrating our 15th Anniversary this year! Yes, NJFA was incorporated in 1998. It’s got us thinking, “what have we accomplished in all that time?” Well, the answer is, quite a lot. And we’d like to tell you about it.

When NJFA was established in 1998 it was formed with a mission to promote innovative approaches in the delivery of services that enable older adults to live in the community with independence and dignity through grant making to address unmet needs and through increasing society’s awareness to influence public policy. NJFA still seeks to hold true to that mission today, 15 years later.

Here’s how we’ve been doing so far:

NJFA has provided 44 grants to programs serving NJ Seniors.

Those 44 grants total $380,000 given to programs that serve more than 25,000 seniors across NJ.

NJFA provides public awareness through, Renaissance Magazine with 100,000 readers and Aging Insights, a public access TV program with 400,000 viewers, now on NJFA’s YouTube channel at http://www.youtube.com/njfoundationforaging

Public Policy- NJFA’s 2012 NJ Elder Economic Index Update Project is a continuation of Policy Work that began in 2009 with the first Elder Index report. The 2012 report adds demographic information to the cost of living report. Data is available in for all 21 Counties.

NJFA also continues to make transportation a priority, following the policy report, “Safe Mobility at Any Age” in 2005, we continue to work with partners like the Voorhees Transportation Center, Motor Vehicle Commission and AAA Automobile Club.

Professional Development-  15th Annual Professional Conference, June 12, 2013 Conference, Jamesburg, NJ. A day-long conference for professionals in  the aging network. Over 200 attendees will hear Nationally recognized key note speakers and be a able to chose from sessions on evidence based best practices and new initiatives for seniors and caregivers in NJ.

So you see, NJFA has really done a lot in 15 years and we hope to continue being a leading force in promoting “Aging Well” in NJ. Visit us at www.njfoundationforaing.org to learn more.

How can you help? When you visit our website, click on the donate here page to make a donation online or print out a donation form and mail it to us at 176 West State St, Trenton, NJ 08608.

Have questions or want more info? Call us at 609-421-0206 or email us at office@njfoundationforaging.org, we’d be glad to tell you all about our work!

After all, none of NJFA’s work would be possible without the support of our donors, partners, funders and of course our Board of Trustees and Senior Executive Council members!

 

 

 

8 Numbers You Need to Know . . . for Life

Thursday, May 2nd, 2013

The following is a great post from Barbara Hannah Grufferman from The Best of Everything After 50. We found it interesting and think you might too! Enjoy! And be sure to check out Barbara’s other posts.

8 Numbers You Need to Know . . . for Life

Hi. My name is Barbara and I’m 56.

Is this meaningful to you? More importantly, is it meaningful to me? My age, I mean. Should this number have any impact on how you view me, or how I view myself? In the ideal world, it would not. You would throw me in the same box along with everyone else and look at me through the same lens.

But, our world is imperfect, filled with all kinds of complicated and unfair ways to measure a person’s skills, talents, character, abilities, and worth. Age is just one aspect of the human measurement stick.

After turning 50, I made a decision that changed my life: I would never again focus on those measurements that were irrelevant to my happiness, health and well being, and only embrace those that are. My age, for example, is a measurement of my life of which I make note, of course, and celebrate (with joy!) each year. However, it does not define me, as it once did. It is, as it turns out, just a number.

Another is my weight. I knew as I approached 50 that I had gained more than what was considered reasonable for a woman who had been pretty much at “normal weight” for most of her life. After going through menopause and not making the necessary changes to what I ate or how I moved my body, not surprisingly, I gained 15 pounds. After taking control and losing all of it (which took six months), I threw out my scale. I have no idea exactly how much I weigh because it’s irrelevant. What’s meaningful is that I feel good, fit and healthy. Weight, for me now, is all about health and less about looks.

However, there are measurements essential to our well-being, and these are numbers we should truly care about — and know — especially as we age:

Waist size: Visceral fat is a sneaky, evil kind of fat that you can’t see. It worms its way around your internal organs, and is metabolized by the liver, which turns it into cholesterol in the blood. Having excess belly fat (even if you’re in the “normal weight” category) puts you at much greater risk for all kinds of health issues: metabolic syndrome, diabetes, heart disease, cancer, stroke, dementia, and even sexual dysfunction in men. How do you know if you have it? Skip the scale and bring out the tape measure: your waist size should be less than 35 inches (less than 40 inches for a man). The best way to get rid of belly fat (which is actually much easier to shed than the extra padding around your bottom or thighs) is to move your body by walking (see below) or running at least 30 minutes every day. And cut back on foods your know are not good for you.

Daily steps: It’s been established by many sources and studies that walking 10,000 steps every day, not even all at the same time, is essential to good health and overall fitness. And, it will help shed the evil visceral fat for good. Buy a simple pedometer and put it on in the morning and check periodically to make sure you’ll reach your goal by evening. Remember this: every single step puts you one step closer to better health.

Blood pressure: Simply put, blood pressure is the force of blood against artery walls when the heart beats and then rests. The ideal blood pressure for women is less than 120/70. BP of 140/90 or higher indicates hypertension (high blood pressure), which means your heart is working a lot harder than it should. Hypertension is directly linked to lifestyle — smoking, not moving your body, too much belly fat (see above), and eating too much salty processed food. If you make small changes in your life, you can naturally bring your pressure down, however, sometimes genetics plays a part, and meds might be necessary.

Cholesterol: The ideal cholesterol level for women is under 200 total. The HDL (known as the “good” cholesterol) should be higher than 60, and the LDL (“bad”) should be under 100. If a woman has a total cholesterol level of over 240, that is considered high. Again, lifestyle plays a major role, but genetics can also influence your number. We know that having high cholesterol levels in your blood, and especially if the LDL level is high, puts you at risk for heart disease and stroke.

Triglyceride: Your triglyceride level is another strong indicator of potential cardiovascular disease. Triglycerides are a type of fat (similar to cholesterol) found in the blood. The acceptable numbers for women are lower than those for men. Even though the American Heart Association says that the acceptable level is under 150, recent studies conducted by the AHA and the Women’s Health Initiative suggest that a post 50 woman’s risk for cardiovascular disease increase after her level goes beyond 50, and most women (and many doctors) are not familiar with these latest studies. This should be an essential part of the discussion you have with your primary care physician at your next annual checkup.

Blood Sugar (Glucose): Your ability to regulate blood sugar is harder once you’re over fifty. The ideal level is under 100. Blood sugar levels normally go up and down during the course of the day. If you’re taking good care of yourself — eating well and moving your body — the shifts are minor. However, if you’re not, blood sugar levels can spike and crash, wreaking all kinds of havoc with your body and your brain, and can precede diabetes. The single most effective way to regulate blood sugar is — drum roll, please — by eating healthy foods and moving your body every day.

Vitamin D: Vitamin D’s importance in promoting bone health and reducing risk of osteoporosis by helping with the absorption of calcium is well established. But there’s ongoing evidence that the “sunshine vitamin” can reduce the risk of other diseases, as well. The ideal level of vitamin D is 34 mg/ml or higher. Women over 50 should take between 1,200 and 1,500 IU every day. However many doctors I interviewed confided that they personally take at least 2,000. So do I.

Sunscreen on the skin: We know that too much sun can cause wrinkles, brown spots, and most importantly, skin cancer. Experts recommend applying sunscreen to all exposed areas of the body, rain or shine and all year long, with a minimum of SPF 30 and preferably 50. However, the benefits of going higher than 50 are marginal. Look for broad spectrum sunscreens with the following ingredients: Mexoryl, titanium dioxide, and Parsol 1789.

What’s on your measurement stick? Leave your thoughts in the comments section below. The more we share, the more we learn. And remember this: we can’t control getting older . . . but we can control how we do it.

Connect with Barbara on Facebook, Twitter and read my weekly column–Best of Everything After 50–on aarp.org. For more tips on living your best life after 50 visit www.bestofeverythingafter50.com.

This article originally appeared on aarp.org as a post for Barbara’s column, Best of Everything After 50.

Building on Wisdom: NJFA’s 15th Annual Conference

Thursday, April 11th, 2013

Press Release

For Immediate Release                                                                      Contact:  Grace Egan

April 11, 2013                                                                                                  Melissa Chalker

                                                                                                                         609-421-0206

Building on Wisdom: NJFA’s 15th Annual Conference!

NJFA will hold its 15th Annual Conference on Wednesday, June 12th at the Crowne Plaza Monroe. This year’s conference, titled, Building on Wisdom will feature two nationally recognized keynote speakers.

The morning keynote presentation will be given by Dr. Mike Magee, President of Positive Medicine, Inc. Dr. Magee is committed to transforming powerful health visions into action. Recognized as a visionary leader of the home-centered health care movement and lifespan planning records, he has advised the Institute of Medicine on these topics. Dr. Magee is the author of 10 books including, Home Centered Health Care, Positive Leadership and Healthy Waters.

The luncheon keynote address will be given by reporter and editor, Patricia Cohen, who has worked for the New York Times, Washington Post, Newsday and Rolling Stone Magazine. Ms. Cohen published, In Our Prime: The Fascinating History and Surprising Future of Middle Age, a New York Times notable book.

The day will also include breakout sessions with great topics like, Financial Literacy, Sex and Aging, POSLT and End of Life decisions, as well as an update on the Comprehensive Medicaid Waiver. We hope you can join us for this informative, day-long conference!

Participants may register by email, by mail or by fax.  For more information about the conference visit: www.njfoundationforaging.org/events.html or call us at 609-421-0206.

  To learn more about the work of the Foundation visit www.njfoundationforaging.org or call 609-421-0206. The New Jersey Foundation for Aging was established in 1998, its mission is promote approaches in the delivery of services that enable older adults to live in the community with independence and dignity.

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More Medicare Information to think about.

Monday, April 1st, 2013

More Medicare Information to think about.

So, we know that at age 65 you can enroll in Medicare, but do you have to? It is not a question we ever thought anyone would ask, however we recently read an advice column in the newspaper where a reader asked just that.

Well, do you have to take Medicare? The answer is no, but it’s not that simple.

First, let’s review again that parts that make up Medicare. Part A (hospital insurance) cover inpatient hospital stays and has already been paid for by the Medicare payroll tax deduction from your paycheck while you were working, so there is no premium or cost for that. Part B (Medical Insurance) does have a premium and covers doctor’s visits, lab tests and most other expenses not covered by Part A. The 2013 monthly premium for Medicare Part B is currently $104.90 (for most people, higher income enrollees may pay more, see www.medicare.gov for more information).

Part A and Part B are the two main components of Medicare. Part C is the Medicare Advantage program, where you select a Medicare HMO (this could be an entire post in itself, visit www.medicare.gov for your info). Part D is your prescription drug coverage.

Okay, back to the question at hand- do you have to enroll in Medicare? If you are receiving Social Security, you will be sent a Medicare Enrollment Package before your 65th birthday. You will be automatically enrolled in both A and B, unless when you receive your packet you contact Medicare to turn down Part B, they give you this option since Part B will cost you a monthly premium. They assume you’ll want Part A since you’ve technically already paid for it through the payroll tax. But before you turn down Part B you should review your current insurance coverage.

In the advice column referenced in the beginning of the post, the writer of the question was asking because they have a insurance through their former employer. However, you should not assume that your employers coverage does not change when you become Medicare eligible or that the company might prefer you switch to Medicare. Often the plan that covered you under your employer will end when you become Medicare eligible but they can offer you a supplemental plan. Because, the other thing to remember about Medicare is that you’ll have a 20% copay and a supplemental plan (also called a Medigap plan) can help to cover that.

One more caution if you chose to turn down Medicare Part B, should you later decide you want it, you can still apply, but you’ll have to wait until the next enrollment period and you’ll face a 10% penalty each month once you enroll.

You don’t have to take Medicare, but you probably should.

Visit wwww.medicare.gov for more info.

Reverse Mortgage – Things to think over

Thursday, March 21st, 2013

Reverse Mortgage – Things to think over

In the Feb/Mar issue of Renaissance Magazine, NJFA featured an article about Reverse Mortgages. You can see the article (and the whole magazine) at www.njfoundationforaging.org/ren.html 

In the article, NJFA Board Member, Robert Jaworski, who is also an Attorney at Reed Smith in Princeton, covers all the bases for those considering a Reverse mortgage. As with any decision, there are many things to consider when determining if this is right for you.

One issue that has recently come to our attention via a few news articles has to do with married couples. If both parties are not listed on the document there can be difficulty when the person who did sign passes away. It is also important to note that both parties must be 62 or older to be listed on the reverse mortgage documents.

In one such story in the Washington Post recently, a woman in her 90’s was facing foreclosure because of this very issue. Even though both she and her husband were listed on the deed to the home, only her husband’s name and signature appear on the reverse mortgage documents.

It is clear that upon the death of the person who took out the reverse mortgage loan, the debt must be paid. However, the spouse living in the home should be spared that expense. But according to HUD, who oversees the programs, this is not the case if the spouses name does not appear on the documents.

But under a controversial policy that is drawing national scrutiny and at least one major lawsuit, HUD — the agency that runs the reverse mortgage program — now insists that when a spouse dies, and the surviving spouse’s name is not on the loan documents, the full mortgage balance becomes due and payable. If a relative or the surviving spouse cannot purchase the house and pay off the debt, the loan may be subject to a foreclosure sale. HUD’s reverse mortgage program, run through the Federal Housing Administration (FHA), has been big business. There were 582,000 loans outstanding nationwide as of November 2011, according to the Consumer Financial Protection Bureau, which issued a critical evaluation of the program last year. Reverse mortgages are restricted to seniors 62 years or older. The program allows homeowners to tap into equity and pull out money for use in their retirement years. As long as they pay their property taxes and hazard insurance, generally they don’t have to repay any of the money until they move out, die or sell the house.

The policy change on surviving spouses that has snagged a few of the people we’ve read about was not adopted until late 2008, That change has been challenged in a federal lawsuit filed by AARP, the seniors advocacy group. On behalf of two widows and one widower who were threatened with foreclosure, AARP charged that HUD disregarded clear statutory language that allows surviving spouses to remain in their homes even if their name is not on the documents. In an appellate court ruling last month, U.S. Circuit Judge Laurence H. Silberman said that the court was “somewhat puzzled as to how HUD can justify a regulation that seems contrary to the governing statute.”

This post is not intended to scare anyone or to suggest that a reverse mortgage is not a good option for some people, it is merely another fact to consider when looking into a reverse mortgage.

Be sure to question your broker and consider all parties living in the home before signing on the dotted line.

Here are some resources to answer any of your questions:

http://www.consumer.ftc.gov/articles/0192-reverse-mortgages;

http://www.aarp.org/money/credit-loans-debt/reverse_mortgages/;

  • The National Council on Aging

http://www.ncoa.org/calendar-of-events/webinars/reverse-mortgage-use-your.html or (800) 510-0301.                                                

  • NovaDebt

http://www.novadebt.org/housing_counseling.taf or 1-866-472-4557

 And here is a link to the article referenced :

http://www.dailyherald.com/article/20130201/entlife/702019968/

 

 

 

Did you know? Family Leave Insurance

Friday, February 8th, 2013

Did you know? Family Leave Insurance

Imagine this scenario- your mom lives alone and has a hip replacement. Who is going to help her while she recovers? Chances are you’ll have to take time off of work to do so. But there may be some help available to ease your financial concerns.

NJ passed the Paid Family Leave Act in 2008 to help family caregivers with caring for a seriously ill family member or a new born.  In 2011, 4,587 people received benefits from this program for caring for a spouse or other family members.  This represents about 20% of the claims while the balance of 80% are related to bonding with a child or care of a sick child. The average length of care was 4 weeks and the estimated benefit was about $1,800.

This support comes from the employee’s payroll disability withholdings.  You have already set this money aside to address a future need like taking care of a sick child, spouse or parent. There are forms to complete and information to get, but so many people are caregivers and temporary leave their jobs this modest amount of support can give a caregiver some peace of mind- while they do the yeoman’s job of providing care for a loved one.

So, how does it work?

You can claim Family Leave Insurance benefits to care for a family member with a serious health condition. There is a very comprehensive application which will also necessitate a health care provider certifying the condition. You will see a link below to get the form online.

Care leave may be taken for six consecutive weeks, intermittent weeks or 42 intermittent days during a 12 month period beginning with the first date of the family leave insurance claim.

Family member means your spouse, domestic partner, civil union partner, parent or child.

The child must be your biological or adopted child, foster child, stepchild, legal ward or the child of your domestic or civil union partner. The child must be less than 19 years old or if older than 19 years of age must be incapable of self-care because of mental or physical impairment.

You must give your employer reasonable advance notice unless:

  • You need to take family leave unexpectedly or
  • The time of the family leave changes for reasons you could not    foresee.

 If you claim family leave benefits intermittently, you must give your employer 15 days notice.

You may access the application by going to http://lwd.state.nj.us/labor/forms_pdfs/tdi/fl1.pdf

Other important contacts:

Division of Temporary Disability Insurance Customer Service Section (609) 292-7060.

Hearing impaired individuals may contact our office by: Telecommunication Device for the Deaf (TDD)-(609) 292-8319, New Jersey Relay Service: TT user 1-800-852-7899, Voice User: 1-800-852-7897

Important: Please allow fourteen (14) days processing time before inquiring about your claim.

Division of Temporary Disability Insurance FAX number: (609) 984-4138

For additional information about the Family Leave Insurance Program, visit at:

www.nj.gov/labor

To get additional help or information you may contact the NJ Time to Care Coalition by going to their website or calling their toll free number.  http://www.njtimetocare.com  or 1888-NJ GET WELL, 1-888-654-3893

 

NJFA takes part in Retirement Gathering for a Founding Trustee

Friday, January 18th, 2013

 NJFA takes part in Retirement Gathering for a Founding Trustee

Trenton—The New Jersey Foundation for Aging (NJFA) participated in the retirement gathering on January 2, 2013 for one of NFJA’s founding Trustees, Margaret Chester. Peg has served as a regional director for Green Thumb (a senior employment program),  a board member of the National Association of Area Agencies on Aging, Department Director of the Middlesex Co Dept of Aging and most recently, Director of Middlesex County, Department of Human Services.

Peg extended the gift of her leadership to the founding trustees of the NJ Foundation for Aging in 1998. She has provided strategic guidance to the daily operations of the Foundation and its growth over the last 15 years. She is truly a dynamic and committed leader.

During the evening, which was hosted at Francis E. Parker in Piscataway, Peg was presented with a a Middlesex County Resolution for the Board of Chosen Freeholders which was presented by Freeholder, Blanquita Valenti. Assemblyman Patrick Diegnan also presented Peg with a resolution from the Assembly. In addition to these two individuals who had kind words to say about Peg, Grace Egan from the NJFA and Peg’s brother Tom also offered remarks acknowledging the hard work and dedication Peg has put into her career.

NJFA greatly appreciates Peg incorporating the Foundation into this special event. And wish Peg  wonderful adventures going forward.

  To learn more about the work of the Foundation visit www.njfoundationforaging.org or call 609-421-0206. The New Jersey Foundation for Aging was established in 1998.  Its mission is to expand innovative approaches in the delivery of services that enable older adults to live in the community with independence and dignity.

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The Affects of Sandy for Seniors

Wednesday, December 12th, 2012

The Affects of Sandy for Seniors

NJFA has partnered with NCOA on a few occasions to share a common message or service. NCOA’s One Away campaign has been something that NJFA has tweeted or facebooked about because we understand that many seniors (and many families) are one illness, one accident, on job loss away from a financial crisis. Now, as it turns out, they were just one hurricane away from financial disaster.

Before Sandy hit New Jersey, we knew there seniors who were living solely on Social Security. Many of them wondering by the end of the month how they’d make do until their next check. Sometimes, making a choice between food or medication or heat. NJFA has been aware of and worked on advocacy efforts for these seniors who are living on the edge of poverty.

NJFA’s 2012 Elder Index Update report shows that more than 25% of NJ seniors have difficulty closing the gap. We know that basic expenses in NJ for a single elder, in a one bedroom apartment are $27,960 a year. To read more of this report visit, http://www.njfoundationforaging.org/NJElderEconomicIndex2012.pdf

Certainly, seniors were among those affected by “Super-Storm” Sandy. Being displaced from their home, losing their belongings, are all things that may have pushed those living on the edge, over it. Those seniors may now be faced with not only how to stretch their dollars, but where to find dollars to replace their belongings or their home.

As we continue to hear stories about the people dealing with the recovery from the storm, we will see people like, Robert Ford, a disabled Vietnam veteran, whose family’s story of trying to save his home and keep him in it, was featured in the Asbury Park Press on Dec. 3rd. http://www.app.com/viewart/20121202/NJNEWS/312020047/Sandy-Highlands-veterans

In the article, you can read about how the family is struggling to find ways and money to rebuild the home and get Mr. Ford back where he wants to be. But it is not so easy for people that were barely making ends meet before the storm.

There are probably also many New Jersey seniors, who like Elaine of Maryland, who was featured in a video about senior hunger put out by the National Council on Aging, had her home flooded and wonders now how she’ll pay for the damage as well as continue to buy food, medication and pay for her heat. http://www.ncoa.org/get-involved/this-holiday-season-give-a.html

To find out about public supports and other programs that might help seniors in need contact your County Office on Aging, http://www.njfoundationforaging.org/services.html

The Social Security Administration Encourages You to be on the Look Out for Scams

Friday, November 30th, 2012

The Social Security Administration Encourages You to be on the Look Out for Scams

Disaster scams are still out there. The Social Security Administration (SSA) issued another warning last week. The scammers are making phone calls and sending emails, posing as FEMA or SSA employees. They ask  for your Social Security number  and bank information, stating that they need it to make sure you get your benefits. These are the same type of scammers that call or send emails claiming that you won a prize and asking you to provide information so they may send you the winnings or even asking you to pay a fee upfront.  Once the thieves have your personal information, they can use it to open credit accounts, buy homes, claim tax refunds, and commit other types of fraud. Most recently, some identity thieves have redirected Social Security beneficiaries’ monthly benefit payments, so the money goes to a different bank account, sometimes repeatedly.

To help prevent this type of fraud, the Inspector General recommends that you:

  • never provide your personal information when receiving unsolicited calls or contacts
  • never agree to accept pre-paid debit cards or credit cards in another person’s name
  • never agree to send or wire money to an unknown person
  • always contact your local SSA office if you receive a call from a person claiming to be from SSA, and that person asks you to provide your Social Security number or other information.

To verify the legitimacy of a caller who claims to be an SSA employee, call your local Social Security office, or Social Security’s toll-free customer service number at 1-800-772-1213. Deaf or hard-of-hearing individuals can call Social Security’s TTY number at 1-800-325-0778.

If you find that someone has stolen or is using your personal information, you should report that to the Federal Trade Commission at www.ftc.gov/idtheft or 1-877-ID-THEFT.  You can report suspicious activity involving Social Security programs and operations to the Social Security Fraud Hotline, or by phone at 1-800-269-0271. Deaf or hard-of-hearing individuals can call OIG’s TTY number at 1-866-501-2101.

Flu Season 2012

Tuesday, November 6th, 2012

Seasonal (or common) influenza is a respiratory illness that can be spread from person to person and is caused by human influenza viruses. 

WHAT ARE THE SYMPTOMS OF THE FLU?

  • Fever
  • Cough
  • Sore Throat
  • Body Aches
  • Headache

Flu season usually runs from October until May. The CDC recommends that you get a flu shot before the virus starts circulating. That’s why you see all the drugstores have already had signs up to get your flu shot there.

HOW CAN THE FLU BE PREVENTED?

  •  Get the flu vaccine
  •  Cover coughs and sneezes
  •  Wash hands frequently
  •  Avoid sick people
  •  Clean commonly shared or frequently touched items

 

WHEN SHOULD I GET THE FLU VACCINE?

You should get vaccinated as soon as vaccine is available (ideally by October-November) and as long as flu is present in the community.

 An annual flu shot is suggested for anyone age 6 months and over. Seniors are encouraged to get a shot as soon as they can, as each year people age 65 and over have the highest rates of influenza-related deaths and hospitalizations.

The influenza virus changes every year, so the vaccine changes too in order to combat the virus.

If you need assistance finding a place to get the flu shot visit:

http://www.state.nj.us/health/flu/findflushot.shtml