Posts Tagged ‘new jersey’

MEDICARE OPEN ENROLLMENT

Wednesday, October 25th, 2017

MEDICARE OPEN ENROLLMENT

ARE YOU AWARE OF YOUR CHOICES?

Charles Clarkson, Esq. Jewish Family Services of Middlesex County, Project Director/VP, Senior Medicare Patrol of New Jersey

 

Every year between October 15 and December 7, during a period known as “Open Enrollment,” Medicare beneficiaries can make changes in their Medicare coverage. The Senior Medicare Patrol of New Jersey (SMP), a Federally funded program of the U.S. Administration for Aging, believes that if you know your options you can avoid being scammed and make the right choices giving you the best coverage at the least cost.

Why make a change?  Whether you have Original Medicare (Part A and/or B), Part D (prescription drug plan), or a Part C Medicare Advantage Plan, your plan can change.  Premiums, deductibles  and coverages can all change.  Even if they remain the same, your health or finances may have changed. SMP encourages all beneficiaries to re-visit their coverage and decide whether or not to change during Open Enrollment.

Beneficiaries have these choices:

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

 

  1. 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 Medicare supplement insurance plan to cover the costs that Original Medicare does not pay for and enroll in a Part D plan for drug coverage.

 

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

 

  1. If you are in Original Medicare and do not have a Part D plan, you can enroll in a Part D plan.  If you join a Part D plan because you did not do so when you were first eligible for Part D and you did not have other coverage that was, on average, at least as good as standard Medicare drug coverage (known as creditable coverage), your premium cost will be penalized 1% for every month that you did not enroll in Part D.  You will have to pay this penalty for as long as you have a drug plan.  The penalty is based on the national average of monthly premiums multiplied by the number of months you are without coverage and this amount can increase every year.  If you qualify for extra help (low income subsidy), you won’t be charged a penalty.

Why change Part D plans?

Beneficiaries may want to change Part D prescription drug plans (PDPs) for a number of reasons:  (i) the PDP has notified the beneficiary that it plans to drop one or more of their drugs from their formulary (list of available medications); (ii) the beneficiary is reaching the coverage gap (donut hole) sooner than anticipated and may want to purchase a PDP with coverage through the coverage gap, if one is available; (iii) the PDP has notified the beneficiary that it will no longer participate in the Medicare Part D program;  (iv) the PDP will increase its premium or co-pays higher than the beneficiary wants to pay and a less expensive plan may be available and (v) a beneficiary is not happy with the PDP’s quality of service or the plan has received low rankings for a number of years.  For 2018 beneficiaries in New Jersey can expect to choose from a number of  PDPs. The plans are announced in late September or early October, 2017.

Compare plans each year.

Beneficiaries should remember that PDPs change every year and it is recommended that beneficiaries compare plans to insure that they are in the plan that best suits their needs.  When comparing plans, keep in mind to look at the estimated annual drug costs, i.e. what it will cost you out of pocket for the entire year, from January 1 through December 31 of each year.  Plans can be compared at the Medicare web site:  www.medicare.gov.  If you do not have access to a computer, call Medicare at 1-800-Medicare to assist in researching and enrolling in a new plan. Medicare can enroll a beneficiary over the telephone.  When you call, make sure you have a list of all your medications, including dosages.  Another resource for Medicare beneficiaries is the State Health Insurance Assistance Program (known as SHIP), telephone 1-800-792-8820.  SHIP is federally funded and can provide beneficiaries with unbiased advice.  Call SHIP to make an appointment with a counselor. You do not need to use a broker or agent who may not be looking out for your best interest. Brokers and agents are usually being paid to enroll you in certain plans.  Beneficiaries can also call the Senior Medicare Patrol of New Jersey at 732-777-1940.

Medicare Open Enrollment can also be a time of fraudulent schemes that can cost you money. The SMP wants you to be on the alert for scams involving new Medicare cards.  Back in the spring of 2015, Congress passed the “Doc Fix” bill which mainly dealt with the long standing problem of the Physician Fee Schedule.  At the same time, Congress sought to remedy the problem caused by having Social Security numbers on the red, white and blue Medicare ID cards.

 

The new cards will be rolled out starting in April of  2018.  Since it will take a period of time to mail new Medicare cards to all Medicare beneficiaries, there will be a transition period through December 31, 2018 when beneficiaries will be able to use either card.  All cards should be issued by April of 2019.  You should start using the new Medicare card once you receive it.  Make sure that the Social Security Administration and Medicare have your current address to insure that you get your new card.

 

This card change is both a blessing and a curse for Medicare beneficiaries.  By removing Social Security numbers, the change greatly decreases the financial havoc that a stolen Medicare card can cause, but it opens the door to scammers  presenting a golden opportunity to take advantage of Medicare beneficiaries.  Remember, there is never a charge for the new Medicare card.  Scammers already are calling  and scaring seniors into paying $300 or more for a new Medicare card and asking for their checking account information to pay for the new card’s fee.

What do you do when you realize that a scammer is calling?  Just hang up.  Do not be polite and just hang up.  Also, do not open any emails about the new Medicare cards even if they appear to be coming from a legitimate source, such as Medicare.  They are most likely scams.  Any questions about the new Medicare cards, call the Senior Medicare Patrol of New Jersey at 732-777-1940.

 

 

 

 

 

 

Scammer Lingo

Wednesday, April 5th, 2017

Scammer Lingo

Here on NJFA’s blog we have featured a few posts about scams, we’ve also done articles in Renaissance and posted scam warnings on Social Media. It seems there is always a new scam or the resurgence of an old scam to be on the lookout for.

But that got us thinking… do we really know what all the terms associated with scams mean? The tactics that scammers use come with their own little lingo. In order to be more prepared and aware- we thought, why not share some of the terms most commonly associated with scams? That way you know what we are talking about when you read about a new scam or a warning of a scam to look out for.

Here is a sampling of terms and their definitions.

Pharming: When hackers use malicious programs to route you to their own websites (often convincing look-alikes of well-known sites), even if you’ve correctly typed in the address of the site you want to visit.

Phishing: The act of trying to trick you (often by email) into providing your personal data or credit card numbers, usually a scammer will pose as a trusted business or other entity.

Ransomware: A malicious program that restricts or disables your computer, hijacks and encrypts files, and then demands a fee to restore your computer’s functionality.

Scareware: A program that displays on-screen warnings of nonexistent infections on your computer to trick you into installing malware or buying fake antivirus protection.

Skimming: The capture of information from the magnetic strip on credit and debit cards by using a “skimmer” devices. These skimmers are secretly installed on card-reading systems at gas pumps, ATMs and store checkout counters.

Spoofing: Scammers can use technology to pose as a specific person, business or agency, this technology allows them to manipulate a telephone’s caller ID to display a false name or number, so that it appears they are calling from a legitimate business or from a local number.

Spyware: A type of malware installed on your computer or cellphone to track your actions and collect information without your knowledge.

As a reminder, if you have been the victim of a scam, contact your local Police Department and/or the Federal Trade Commission  https://www.ftccomplaintassistant.gov/#crnt&panel1-1  or the NJ Division of Consumer Affairs 1-800-242-5846 or www.njconsumeraffairs.gov  

 

Income Taxes and Your Social Security Benefits

Tuesday, February 14th, 2017

Income Taxes and Your Social Security Benefits

David Vinokurov, District Manager, Trenton, NJ, Social Security Administration

With tax season upon us, many of you have asked about Income Taxes And Your Social Security Benefits. Some people have to pay federal income taxes on their Social Security benefits. This usually happens only if you have other substantial income (such as wages, self-employment, interest, dividends and other taxable income that must be reported on your tax return) in addition to your benefits.

Note: No one pays federal income tax on more than 85 percent of his or her Social Security benefits based on Internal Revenue Service (IRS) rules. If you:

  • file a federal tax return as an “individual” and your combined income* is
  • between $25,000 and $34,000, you may have to pay income tax on up to 50 percent of your benefits.
  • more than $34,000, up to 85 percent of your benefits may be taxable.
  • file a joint return, and you and your spouse have a combined income* that is
  • between $32,000 and $44,000, you may have to pay income tax on up to 50 percent of your benefits
  • more than $44,000, up to 85 percent of your benefits may be taxable.
  • are married and file a separate tax return, you probably will pay taxes on your benefits.

 

How can I get a form SSA-1099/1042S, Social Security Benefit Statement?

An SSA-1099 is a tax form we mail each year in January to people who receive Social Security benefits. It shows the total amount of benefits you received from Social Security in the previous year so you know how much Social Security income to report to IRS on your tax return.

If you are a noncitizen who lives outside of the United States and you received or repaid Social Security benefits last year, we will send you form SSA-1042S instead.

Note: The forms SSA-1099 and SSA-1042S are not available for people who receive Supplemental Security Income (SSI).

If you currently live in the United States and you need a replacement form SSA-1099 or SSA-1042S, we have a new way for you to get an instant replacement quickly and easily beginning February 1st by:

Withholding Income Tax From Your Social Security Benefits

 

You can ask us to withhold federal taxes from your Social Security when you apply for benefits.

If you are already receiving benefits or if you want to change or stop your withholding, you’ll need a form W-4V from the Internal Revenue Service (IRS).

You can download the form, or call the IRS toll-free number 1-800-829-3676 and ask for Form W-4V, Voluntary Withholding Request. (If you are deaf or hard of hearing, call the IRS TTY number, 1-800-829-4059.)

When you complete the form, you will need to select the percentage of your monthly benefit amount you want withheld. You can have 7%, 10%, 15% or 25% of your monthly benefit withheld for taxes.

Note: Only these percentages can be withheld. Flat dollar amounts are not accepted.

 

Sign the form and return it to your local Social Security office by mail or in person.

If you need more information

If you need more information about tax withholding, read IRS Publication 554, Tax Guide for Seniors, and Publication 915, Social Security and Equivalent Railroad Retirement Benefits.

If you have questions about your tax liability or want to request a Form W-4V, you can also call the IRS at 1-800-829-3676 (TTY 1-800-829-4059).

 

 

The New Medicare Cards

Wednesday, February 8th, 2017

The New Medicare Cards

By Charles Clarkson, Project Director, Senior Medicare Patrol of New Jersey

In 2015, Congress passed the Medicare Access and CHIP Reauthorization Act. This law requires the removal of the social security numbers from all Medicare cards by April 2019. This new initiative is referred to as the Social Security Number Removal Initiative (SSNRI.) A new randomly generated Medicare Beneficiary Identifier (MBI) will replace the social security number. When the initiative gets underway all Medicare beneficiaries will be assigned a new MBI and be sent a new Medicare card.

The primary goal of the initiative is to decrease Medicare beneficiaries’ vulnerability to identity theft by removing the social security number from their Medicare cards and replacing it with a new Medicare MBI which does not contain any other personal information.

The new MBI will have the following characteristics:

i. The same number of characters as the current Medicare number, but will be visibly distinguishable from the Medicare number

ii. Contain uppercase alphabetic and numeric characters throughout the new MBI

iii. For providers, the new MBI will occupy the same field as the Medicare number on transactions

iv. Be unique to each beneficiary (e.g. husband and wife will have their own MBI)

v. Be easy to read and limit the possibility of letters being interpreted as numbers (e.g. alphabetic characters are upper case only and will exclude S, L, O, I, B, Z)

vi. Not contain any embedded intelligence or special characters

vii. Not contain inappropriate combinations of numbers or strings that may be offensive

The Centers for Medicare and Medicaid Services (CMS), the agency that oversees Medicare, has established a transition period during which the Medicare number or MBI will be accepted from providers, beneficiaries, plans, and others. CMS expects the transition period to run from April 2018 through December 31, 2019. After the transition period only the MBI will be used.

Starting around April 2018, CMS will start mailing new Medicare cards. There are approximately 60 million beneficiaries in Medicare. So, CMS will probably mail the cards in phases over a period of time. Remember, as a beneficiary you can still use your current Medicare number during the transition period if it takes awhile to receive your new Medicare card. If a beneficiary is new to Medicare after April 2018 and Medicare has started issuing the new cards, the beneficiary will receive the new MBI. Therefore, healthcare providers must be able accept the new MBIs by April 2018.

Fraud and the new Medicare cards.

The Senior Medicare Patrol of New Jersey (SMP) wants all Medicare beneficiaries to be aware of possible fraud and scams relating to the new Medicare cards. Remember, CMS and Medicare will never contact you by phone or email to ask for personal information relating to the issuance of the new Medicare cards. Any such contact is a scam. Don’t be taken in. Also, there will be no charge for the issuance of the new Medicare cards. Anyone seeking to have a beneficiary pay money for the new card is a scammer. Be especially careful of anyone seeking to have access to your checking account to pay any fee for the new card. Beneficiaries are especially vulnerable if they are isolated, frail or may have cognitive loss. Caregivers should be on the alert for these kinds of scams. The SMP is currently educating beneficiaries at its outreach events of the issuance of the new Medicare cards. CMS will also be conducting intensive education and outreach to beneficiaries to help them prepare for this change.

The issuance of the new Medicare card is a significant change. If a beneficiary or caregiver has any questions about the SSNRI, please don’t hesitate to call the SMP at 1-877-SMP-4359 (1-877-767-4359) or 732-777-1940. A beneficiary or caregiver can also email me at charlesc@jfsmiddlesex.org.

Diabetes Self Management Courses

Wednesday, December 21st, 2016

Holiday time can make it difficult to stick to your healthy eating plan, there are so many goodies to indulge in. And you want to participate and feel all the joy that comes from sharing a special meal with family and friends. With party after party, it can get tough. Even more so for those who need to watch their food intake due to a health issue. Particularly those with diabetes, all those sweet treats are hard to resist- holiday cakes and cookies around every corner.

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Having the right tools to manage your diabetes can help, not just at holiday times, but all year long. Luckily, our friends at HQSI (Healthcare Quality Strategies, Inc.) offer a six-week program to help people learn to manage their diabetes. Below is a schedule for the Diabetes Self-Management Program (DSMP) as well as more information and how to contact them.

If you do not see a program that is convenient to you, contact HQSI to ask about future programs. If you manage a Senior Center or other program and are interested in having someone come to talk to your group about diabetes, you can also contact HQSI directly to coordinate something. With a New Year beginning soon, it is a good time to plan and make new health goals.

Workshop Location Dates Time To Register
Spruce Street Senior Apts.

15 Spruce Street

Kearny, NJ 07032

Tuesdays

 

January 10, 2017 to February 14, 2017

10:00 a.m.

to

12:30 p.m.

Call Sonia Salazar at:

(201) 997-4270

Elizabethport Presbyterian Ctr.

(Spanish)

 

184 First Street

Elizabeth, NJ 07206-1855

Wednesdays

 

January 11, 2017 to

February 15, 2017

9:30 a.m.

to

12:00 p.m.

Call Beatrice Beard at:

(908) 351-4850

YMCA of Newark and Vicinity

 

600 Broad Street

Newark, NJ 07102-4504

Wednesdays

 

January 18, 2017 to

February 22, 2017

10:00 a.m.

to

12:30 p.m.

Call Jarmaine Williams at:

(732) 955-8168

Sayreville Public Library

 

1050 Washington Road

Parlin, NJ 08859-1091

Thursdays

 

January 19, 2017 to

February 23, 2017

10:00 a.m.

to

12:30 p.m.

Call Jennifer at:

(732) 727-0212 ext. 25 or go to sayrevillelibrary.org

Franklin Township Senior Center

 

505 Dermott Lane

Somerset, NJ 08873

Wednesdays

 

February 1, 2017 to March 8, 2017

9:30 a.m.

to

12:00 p.m.

Call Jarmaine Williams at:

(732) 955-8168

Shore Medical Center

Jenkins Room

 

100 Medical Center Way

Somers Point, NJ 08244-2300

 

Thursdays

 

February 2, 2017 to

March 9, 2017

 

10:00 a.m.

to

12:30 p.m.

 

Call Jarmaine Williams at:

(732) 955-8168

Little Egg Harbor Township Community Center

 

317 W. Cala Breeze Way

Little Egg Harbor Twp., NJ 08087

Thursdays

 

February 2, 2017 to

March 9, 2017

10:00 a.m.

To

12:30 p.m.

Call Jarmaine Williams at:

(732) 955-8168

Church of the Holy Spirit

 

220 East Main Street

Tuckerton, NJ 08087-2242

Thursdays

 

February 2, 2017 to

March 9, 2017

1:30p.m.

to

4:00p.m.

Call Jarmaine Williams at:

(732) 955-8168

Annabelle Shimkowitz Senior Center @ Municipal Complex

 

330 Passaic Street

Passaic, NJ 07055-5815

Mondays

 

February 6, 2017 to

March 20, 2017

9:30 a.m.

to

11:30 a.m.

Call Jarmaine Williams at:

(732) 955-8168

Montclair Public Library

 

50 S. Fullerton Avenue

Montclair, NJ 07042-2629

Fridays

 

March 3, 2017 to

April 7, 2017

 

10:00 a.m.

to

12:30 p.m.

 

Call Jarmaine Williams at:

(732) 955-8168

 

For each six-week workshop, we regret that there can be no new attendees after the second session.

 

For more information, please contact Jarmaine Williams:  (732) 955-8168

 

 

 

Water, creating a balance is essential.

Tuesday, May 10th, 2016

Water, creating a balance is essential.

In the NY Times Science Section’s Well, Personal Health column on May 10, Jane Brody shares her experience with mild dehydration after two very physically active days.  She cites Professor Barry Popkin who talks about things we do not truly know about water, like how hydration impacts our health and well-being, or how much is really required. While there are suggested guidelines, it can be difficult to know exactly how much water you need to drink. The Institute of Medicine determined that an adequate intake (AI) for men is roughly about 13 cups (3 liters) of total beverages a day. The AI for women is about 9 cups (2.2 liters) of total beverages a day. This can vary depending on your health issues, activity level, the weather, etc.  We probably need to drink somewhere within the suggested guidelines in order to be sufficiently hydrated each day.  This may be difficult since as we age the mechanism of thirst becomes a less effective trigger for reminding us to drink water.

How can you remember to drink enough water? Have a glass at the same time and in the same place during your routine every day. Get in the habit of drinking a glass of water right after you get out of the shower, or right before you wash your face at night, put a glass of water on your nightstand so you see it before you go to bed or have a glass waiting by the coffee maker so you remember to have a glass while your coffee brews.

Cheers.

Beverages-Ice-Water

 

 

Preventing Falls at Home

Tuesday, April 5th, 2016

Preventing Falls at Home

Falls are not inevitable; it isn’t something that just happens as you get older. Falls are linked to a specific cause.  It could be that more than one underlying cause or risk factor is involved in a fall.

Falls can be linked to a person’s physical condition or a medical problem, such as a chronic disease. Other causes could be safety hazards in the person’s home or community environment.

What are some Risk Factors for falls?

  • Muscle weakness, especially in the legs, is one of the most important risk factors. People with weak muscles are more likely to fall than are those who maintain their muscle strength, as well as their flexibility and endurance.
  • Your balance and your gait — how you walk — are other key factors. Older adults who have poor balance or difficulty walking are more likely than others to fall. These problems may be linked to a lack of exercise or to a neurological cause, arthritis, or other medical conditions and their treatments.
  • Blood pressure that drops after you have been lying down or sitting can increase your chance of falling. This condition — called postural hypotension — might result from dehydration, or certain medications. It might also be linked to diabetes, neurological conditions such as Parkinson’s disease, or an infection.
  • Your reflexes may also be slower than when you were younger. The increased amount of time it takes you to react may make it harder to catch your balance if you start to fall.
  • Foot problems that cause painful feet, and wearing unsafe footwear can increase your chance of falling. Backless shoes and slippers, high-heeled shoes, and shoes with smooth leather soles are examples of unsafe footwear that could cause a fall.
  • Sensory problems can cause falls, too. If your senses don’t work well, you might be less aware of your environment. For instance, having numbness in your feet may mean you don’t sense where you are stepping.
  • Not seeing well or other vision problems can also result in falls. It may take a while for your eyes to adjust to see clearly when you move between darkness and light. Other vision problems contributing to falls include poor depth perception, cataracts, and glaucoma. Having poor lighting around your home can also lead to falls.
  • Confusion, even for a short while, can sometimes lead to falls. For example, if you wake up in an unfamiliar environment, you might feel unsure of where you are. If you feel confused, wait for your mind to clear or until someone comes to help you before trying to get up and walk around.
  • Some medications can increase a person’s risk of falling because they cause side effects like dizziness or confusion. The health problems for which the person takes the medications may also contribute to the risk of falls.

Most Falls Happen at Home

Although falls can happen anywhere, well over half of all falls happen at home. Falls at home often happen while a person is doing normal daily activities. Some of these falls are caused by factors in the person’s living environment. For instance, a slick floor or a poorly lit stairway may lead to a fall.

Other factors that can lead to falls at home include

  • loose rugs
  • clutter on the floor or stairs
  • carrying heavy or bulky things up or down stairs
  • not having stair railings
  • not having grab bars in the bathroom

Simple changes can help make your home safer.

If you do fall, what should you do?

Well, be sure to talk with your doctor if you fall. A fall could be a sign of a new medical problem that needs attention, such as an infection or a cardiovascular disorder. It could also suggest that a treatment for a chronic ailment, such as Parkinson’s disease or dementia, needs to be changed.

For the time immediately after a fall, here are some tips:

While you are still on the ground:

  1. Take several deep breaths to try to relax.
  2. Remain still on the floor or ground for a few moments. This will help you get over the shock of falling.
  3. Decide if you’re hurt before getting up. Getting up too quickly or in the wrong way could make an injury worse.

Once you are ready to get up:

  1. If you think you can get up safely without help, roll over onto your side.
  2. Rest again while your body and blood pressure adjust. Slowly get up on your hands and knees, and crawl to a sturdy chair.
  3. Put your hands on the chair seat and slide one foot forward so that it is flat on the floor. Keep the other leg bent so the knee is on the floor.
  4. From this kneeling position, slowly rise and turn your body to sit in the chair.

If you’re hurt or can’t get up, ask someone for help or call 911. If you’re alone, try to get into a comfortable position and wait for help to arrive.

For more information and resources, visit the NJ Dept of Human Services website: http://www.state.nj.us/humanservices/doas/services/fallprev/

 

 

Take the American Medicine Chest 5 Step Challenge

Tuesday, March 29th, 2016

Prescription Drug Safety and Disposal

Take the American Medicine Chest 5 Step Challenge

By: Angelo M. Valente

The American Medicine Chest Challenge (AMCC) is a community based public health initiative, with law enforcement partnership, designed to raise awareness about the dangers of prescription drug abuse and provide a nationwide day of disposal – at a collection site or in the home – of unused, unwanted, and expired medicine. AMCC provides a unified national, statewide, and local focus on the issue of children and teens abusing prescription medicine. It is designed to generate unprecedented media attention and challenge all Americans to take the 5 Step American Chest Challenge.

It is important for households across the state of New Jersey to understand how easy it is for children and teens to abuse prescription drugs. “AMCC encourages families throughout the state of New Jersey to take the 5-Step Challenge,” said AMCC CEO, Angelo M. Valente. “We have come so far and so much has been achieved – hundreds of permanent disposal sites have been installed and thousands of tons of prescription drugs have been collected. Yet, we are still in the midst of an opiate abuse epidemic and the need for this initiative has continued to expand ever since New Jersey held the first statewide day of disposal in the nation.”

“When AMCC began addressing this issue several years ago, the answer seemed simple, dispose of the unused medicine in your home and prevent it from being diverted and abused by the young people in your life. Safe disposal opportunities have expanded in New Jersey, and now, residents in over 200 communities from across our state have safe and convenient access to a medicine disposal location,” said Valente. “The DEA recently reinstated their Drug-Take Back Day to provide additional opportunities, and the partners we have in the media are working hard to get the message out about the dangers of abusing prescription drugs. We still know that these efforts are key steps in preventing prescription drug abuse, but now we must address the epidemic of opioid abuse on all fronts. Heroin overdoses are on the rise across the country and New Jersey is ground zero.”

According to a report released in 2015 by the Centers for Disease Control and Prevention (CDC), heroin use has increased across the US among men and women, most age groups, and all income levels. The report found that the strongest risk factor for heroin use is a history of prescription drug abuse. The greatest increases in heroin abuse have occurred in groups with historically lower rates of heroin use, including women, people with private insurance and higher incomes.

New Jersey has worked to address the issue in a 21 bill package, introduced by Senate Health, Human Services and Senior Citizens Committee Chairman, Joseph F. Vitale, to tackle the heroin and prescription drug epidemic that is sweeping our state. One measure requires practitioners to have a conversation with their patient about the risks of developing a physical or psychological dependence before prescribing. Another, which is now law, requires physicians to utilize the Prescription Drug Monitoring Program.

There are many ways we can work together to prevent opiate abuse, and stem the tide of this epidemic; we can start in our own homes. “Please encourage all of those in your community, workplace, family, and home to take the 5-Step Challenge,” said Valente.

  1. Take inventory of your prescription and over-the-counter medicine.
  2. Secure your medicine.
  3. Dispose of your unused, unwanted, and expired medicine at an American Medicine Chest Challenge Disposal site.
  4. Take your medicine(s) exactly as prescribed.
  5. Talk to your children about the dangers of prescription drug abuse… they are listening.

Information on locations to safely dispose of unused, unwanted, and expired medicine can be found on the American Medicine Chest Challenge website: www.americanmedicinechest.com or by downloading the AMCC Rx Drop mobile app.

This initiative is provided without cost to any community, government, or law enforcement agency in the country.

 

Income Taxes and Your Social Security Benefits

Monday, March 7th, 2016

It’s tax season, perhaps you know this because there is an accountant in your life who just got super busy or you’ve seen the increase in TV ads for Turbo Tax. Either way, we thought this timely information from our friends at the Social Security Administration might be useful.

Income Taxes and Your Social Security Benefits

Join the Millions! Create your own my Social Security account

at www.socialsecurity.gov/myaccount.

With tax season upon us, many of you have asked about Income Taxes And Your Social Security Benefits. Some people have to pay federal income taxes on their Social Security benefits. This usually happens only if you have other substantial income (such as wages, self-employment, interest, dividends and other taxable income that must be reported on your tax return) in addition to your benefits.

Note: No one pays federal income tax on more than 85 percent of his or her Social Security benefits based on Internal Revenue Service (IRS) rules. If you:

  • file a federal tax return as an “individual” and your combined income* is
  • between $25,000 and $34,000, you may have to pay income tax on up to 50 percent of your benefits.
  • more than $34,000, up to 85 percent of your benefits may be taxable.
  • file a joint return, and you and your spouse have a combined income* that is
  • between $32,000 and $44,000, you may have to pay income tax on up to 50 percent of your benefits
  • more than $44,000, up to 85 percent of your benefits may be taxable.
  • are married and file a separate tax return, you probably will pay taxes on your benefits.
  • Each January you will receive a Social Security Benefit Statement (Form SSA-1099) showing the amount of benefits you received in the previous year. You can use this Benefit Statement when you complete your federal income tax return to find out if your benefits are subject to tax.
  • If you currently live in the United States and you need a replacement form SSA-1099 or SSA-1042S, we have a new way for you to get an instant replacement quickly and easily. Using your online my Social Security account. If you don’t already have an account, you can create one online. Go to Sign In or Create an Account. Once you are logged in to your account, select the “Replacement Documents” tab.

Withholding Income Tax From Your Social Security Benefits

You can ask us to withhold federal taxes from your Social Security when you apply for benefits.

If you are already receiving benefits or if you want to change or stop your withholding, you’ll need a form W-4V from the Internal Revenue Service (IRS).

You can download the form, or call the IRS toll-free number 1-800-829-3676 and ask for Form W-4V, Voluntary Withholding Request. (If you are deaf or hard of hearing, call the IRS TTY number, 1-800-829-4059.)

When you complete the form, you will need to select the percentage of your monthly benefit amount you want withheld. You can have 7%, 10%, 15% or 25% of your monthly benefit withheld for taxes.

Note: Only these percentages can be withheld. Flat dollar amounts are not accepted.

Sign the form and return it to your local Social Security office by mail or in person.

If you need more information

If you need more information about tax withholding, read IRS Publication 554, Tax Guide for Seniors, and Publication 915, Social Security and Equivalent Railroad Retirement Benefits.

If you have questions about your tax liability or want to request a Form W-4V, you can also call the IRS at 1-800-829-3676 (TTY 1-800-829-4059).

 

Announcing NJFA’s 18th Annual Conference!

Monday, February 29th, 2016

Announcing NJFA’s 18th Annual Conference!

NJFA will hold its 18th Annual Conference on Thursday, June 2nd at the Crowne Plaza Monroe. The 2016 Morning Keynote Speaker will be Ruth Finkelstein, ScD, who is an internationally recognized leader of inspiring and creating strategies for aging friendly communities. She is Assistant Professor of Health Policy and Management at Columbia University Mailman School of Public Health where she also serves as the Associate Director of the International Longevity Center-Columbia Aging Center (ILC-CAC). At the Columbia Aging Center she currently leads the translation of interdisciplinary scientific knowledge on aging and its implications for societies into policy-focused practice in order to maximize productivity, quality of life, and health across the life course. The Luncheon Keynote is Karin Price Mueller. She writes the Bamboozled consumer affairs column for The Star-Ledger which often addresses senior scams. Karen is also the founder of a personal finance web site that offers smart and objective advice on everything money, NJMoneyHelp.com. She is the recipient of many national and local journalism awards.

The 2016 conference workshop speakers will include policy makers, direct care & clinical practice specialists. Topics include Hearing Loss, Dementia, Older Worker Programs 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.

 

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 policy and services that enable older adults to live in the community with independence and dignity.