Posts Tagged ‘older adults’

NJFA Founding Trustee Given National Recognition

Thursday, October 1st, 2015

NJFA Founding Trustee Given National Recognition

Trenton— The New Jersey Foundation for Aging (NJFA) is pleased to announce that founding trustee, Carl West was recently recognized by the National Association of States United for Aging and Disabilities (NASUAD). In honor of the 50th Anniversary of the Older American’s Act, NASUAD honored more than 50 advocates who are dedicated to Aging and Disability Services. Carl West, who is a Founding Trustee and first Board Chair of NJFA, is also the former Executive Director of the Mercer County Office on Aging.

The honorees that were selected are featured in a publication from NASUAD titled, Celebrating 50 Years with 50+ Fabulous Older People, which is available online at Carl was recognized for his advocacy both in New Jersey and nationally. At the time of his retirement, Carl was the longest serving area agency on aging director in the country. In addition to being a founding member of NJFA, Carl has also been involved with and founding member of numerous other organizations. Locally, Carl was an integral part of the NJ Association of Area Agencies on Aging, serving as founding director, legislative chair and president. Nationally, Carl has been a long-standing board member of the National Caucus and Center on Black Aged, where he served as the Chairman of their National Board.

Even in his retirement, Carl continues to be involved, following important proceedings, such as the recent White House Conference on Aging. NJFA joins, NASUAD in saluting Carl for his dedication to the aging network, older adults and caregivers.

Carl West_picture

Social Security Facts

Thursday, August 20th, 2015

Social Security Facts

Recently, NJFA Deputy Director, Melissa Chalker sat down with two representatives from the Social Security Administration for a taping of our half hour TV program Aging Insights.

Given all of the extensive information they shared, we thought it was time to do a blog about Social Security benefits and what you need to know. Be sure to tune into the show in September, in the meantime, here are some facts.

Social Security is a family insurance program. It is meant to be additional income for those who are retired, disabled, widowed, etc. Eligibility for retirement benefits is based on your work history (the # of credits you earned while working and paying into the Social Security system) and your age. Depending on the year you were born, your retirement age could be anywhere between 65 and 67 years of age. You can receive your benefits starting at age 62, however it will be a reduced benefit because you are choosing to receive it early. Reduction amounts are calculated based on when your official retirement age should be.

All of this information and more is available at or by calling 1-800-772-1213. You can start a my social security account online, look up information about Social Security and/or Medicare benefits and even apply for benefits online. A my social security account is available for anyone over 18 who is working, it helps you to track your Social Security record, estimate your benefit and much more. Social Security’s website is safe and secure, be sure to sign up for your account and create your own user name and password to protect your identity.

Many people don’t know that Social Security benefits are also for family members of a retired person. If a retired individual has minor children, disabled children and/or a spouse caring for a minor child, those family members may also be eligible for a monthly benefit. More information about those benefits are available by contacting Social Security or creating a my social security account to see what benefits you and your family could receive.

Information about benefits for spouses, survivors, disabled individuals and more is available at or by calling 1-800-772-1213 (Mon- Fri).


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) or 1-800-366-4484.

Better Business Bureau at

Federal Trade Commission

NJ Division of Consumer Affairs 1-800-242-5846 or

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 Limited vendor space and sponsorships remain, call us at 609-421-0206, email at 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


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,

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 Labor


Workforce 50




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

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.


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.

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#:___________________



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

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

Space is limited, register early!



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

You can also contact your County SHIP (State Health Insurance Program) by calling 1-800-792-8820 or visit

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

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


Property Tax Reimbursement Program Deadline Extended

Friday, August 8th, 2014

 Property Tax Reimbursement Program Deadline Extended

More seniors can benefit from tax relief

Access to tax relief is still available for New Jersey residents. The filing deadline for applications to the Senior Freeze (Property Tax Reimbursement Program) has  been extended to September 15, 2014. The original deadline was June 2, 2014.

The NJ Elder Index indicates that 184,320 persons over age 65 who own their home in NJ have incomes below $48,204, which is well below the eligibility threshold for the Property Tax Reimbursement program which hovers around $80,000.  These are seniors who struggle each day to maintain their quality of life by trying to cover their basic needs. The Property Tax Reimbursement is a huge help to these seniors.

In order to be eligible for the reimbursement in 2014 these homeowners must have paid their property taxes by June 2013. The Division mailed reimbursement checks to eligible seniors and disabled residents who filed their 2013 applications by the original June 2 deadline in mid-July. Checks for eligible applicants who file 2013 applications after June 2 will be processed and delivered as quickly as possible thereafter.

For more information and details on how to apply visit: or call 1-800-882-6597

EyeCare America

Tuesday, July 8th, 2014

You never know where you are going to find good information. This time we have to thank Abigail Van Buren, also known as, Dear Abby. A reader wrote in on the topic of eye care and how some people put off exams and tests due to insurance issues. Either lack of insurance or high out of pocket costs even with insurance; many of these people are seniors. The reader just happened to be an eye doctor and wanted to share information about a program that can help, EyeCare America. And luckily being the smart lady she is, Ms. Van Buren shared it in her column. So, we here at NJFA looked a little further into EyeCare America so we could share it with you.

EyeCare America is a public service program of the Foundation of the American Academy of Ophthalmology. Their mission is to preserve sight by raising awareness about eye disease and providing access to medical eye care.

By age 65, one in three Americans has some form of vision-limiting eye disease. To help address this growing need, EyeCare America provides eye care to US citizens and legal residents through volunteer ophthalmologists (Eye Doctor) at no cost to those who qualify. The exam is focused on eye disease and will not cover eye glasses, please see below for more details on what is covered in this program or visit the EyeCare America Website

EyeCare America facilitates eye care for U.S. citizens or legal residents who are without an Eye doctor. and who do not belong to an HMO or do not have eye care coverage through the Veterans Administration.

So, who qualifies for this help?

  • Those who are age 65 or older and who have not seen an eye doctor in three or more years may be eligible to receive a comprehensive, medical eye exam and up to one year of care at no out-of-pocket cost for any disease diagnosed during the initial exam. Volunteer ophthalmologists will waive co-payments, accepting Medicare and /or other insurance reimbursement as payment in full: patients without insurance receive this care at no charge.
  • Those who are determined to be at increased risk for glaucoma (by age, race and family history) and have not had an eye exam in 12 months or more may be eligible to receive a free glaucoma eye exam if they are uninsured. Those with insurance will be billed for the exam and are responsible for any co-payments. The initiation of treatment is provided, if deemed necessary by the doctor during the exam.


  • Additional services necessary for your care such as, hospitals, surgical facilities, anesthesiologists and medications, are beyond the scope of EyeCare America services. The ophthalmologist is a volunteer who agrees to provide only services within these program guidelines.


  • Some eye conditions may affect vision as though eyeglasses are needed, when what is actually needed is the medical care of an ophthalmologist, and not eyeglasses. EyeCare America provides this medical eye care, only. The program does not provide eyeglass prescriptions, eyeglass/refraction exams (the prescription part of exam) or cover the cost of glasses. If you are concerned about the cost of these items, please discuss this with the doctor BEFORE the examination.

For more information or to see if you qualify, visit the EyeCare America website at