Posts Tagged ‘welcome’

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!

 

 

 

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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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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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

Medicare Billing Issues- Be Informed

Thursday, October 25th, 2012

Medicare Billing Issues

 In the August/September issue of Renaissance magazine (http://www.njfoundationforaging.org/Ren_AugSep_WEBa.pdf), NJFA featured an article on observation status at the hospital versus being admitted. The article talked about how this can not only mean that seniors would see a bill for the time spent at the hospital, but that it also affected Medicare’s coverage of post hospital treatment at a rehab facility.

Medicare Part A is your hospital insurance and covers inpatient admissions to the hospital. There have been a few articles and news stories about these instances where a hospital changes a patient to observation status and therefore Medicare A does not cover the stay consequently, the patient is left with a bill. Furthermore, if that patient might benefit from a stay in a Skilled Nursing Facility for rehabilitation, then Medicare will not cover that either as a 3 day inpatient hospital admission is required in order for Medicare to cover an inpatient rehab stay.

Another issue recently cited in a New York Times article is that the Federal Government is concerned with inaccurate billing and coding by hospitals due to the new electronic record system. They feel there may be “upcoding”- increasing the severity of a patient’s condition or treatment as a means of profit. The Federal Government is also concerned about “cloning”- where information about one patient is repeated in other records.

Certainly there are many advantages to electronic medical records, both in cost and efficiency. However there needs to be tight guidelines and monitoring of these practices to make sure that fraud or abuse are not taking place in the system. The Federal Government issued a letter to several National hospital associations indicating that they are concerned about accurate billing in use of the electronic medical records system.

What does this mean for Medicare recipients? Make sure you talk to your doctor and anyone treating you in the hospital. Being an educated patient is your best defense; asking the hospital staff what you are being tested for; having open communication about your status and asking if they’ve communicated with your primary physician. It is also important to review your Medicare statements when they come and if you see anything that you feel  is incorrect to report it.

Know your resources. You can contact the following organizations with assistance understanding or navigating your Medicare coverage, as well as report possible fraud or abuse or other concerns, such as appeals.

Medicare- http://www.medicare.gov or 1-800-MEDICARE

Medicare Rights Center- http://www.medicarerights.org/ or 1-800-333-4114

SHIP (Statewide Health Insurance Assistance Program) 1-800-792-8820

Senior Medicare Patrol- 887-SMP-4359

County Office on Aging- 1-800-222-3737

Communication

Wednesday, July 25th, 2012

Communication

 I recently read an article from the LA Times, that was run in the Living section of the Trenton Times on July 3rd. It was titled “Grandma, you’ve got mail” and told the story of seniors taking computer classes. The article was very interesting and there were some great quotes from both the student volunteers teaching the courses and the seniors taking advantage of them.

We’ve known for awhile that there is a “digital divide” among the generations. Certainly there are some more mature users of such technology was email, cell phones and even Facebook, gasp! But there are also those older adults that either fear the computer, or just have no interest. One quote from the LA Times piece that really caught my attention was this, “It scares me”, Edythe Eisenberg said of her iPad. “But when I call my kids and grand kids they don’t call me back, so I have to use e-mail.” This really touched me as a sad aspect of our growing reliance on computer technology and non-verbal communication.

I think technology is great and offering seniors a chance to learn how to use and not fear some of these new technologies is also great, if they want them. However, those of us that are caught up in the fast paced world of communicating with our friends and colleagues through mostly email, text or online chats should not forget the seniors in our lives that want to hear from us. Your mother, father, grandmother or grandfather shouldn’t feel forced to use a technology they don’t like just because it is the only way to hear from you. Pick up the phone and say, “hey, how are you today?” Don’t miss that chance to learn something, help out with something or just connect, with an actual voice. It will be good for them and for you.

Technology is good for those who like it, but let’s remember to communicate to each other in the best way possible, which sometimes may be using the old fashioned telephone or dropping by for a face to face. But by all means if you grandma wants to be on Facebook, teach her how to get online! Who knows, maybe she’ll log on to match.com!

APPROVED CREDITS AVAILABLE FOR CPAs AND LAWYERS!

Wednesday, June 6th, 2012

APPROVED CREDITS AVAILABLE FOR CPAs AND LAWYERS!

The New Jersey Foundation for Aging (NJFA) is pleased to announce the upcoming session on recognizing cognitive impairments and their impacts when considering financial and estate planning needs. This session will be presented by national experts covering both the medical realities and the legal imperatives on June 19th at Baltusrol Golf Club.

The speakers include John Heath, MD, AGSF, clinician, researcher, and author of more than 60 articles. He will provide examples of conditions that may compromise clients: brain injury, stroke, Alzheimer’s, COPD, MS, Parkinson disease. These are just some of the many risk factors that may impact your client’s cognitive capacity.  Martin Shenkman, CPA, MBA, AEP, PFS, JD, who is legal practitioner and award winning author of more than 40 books on tax and estate planning will present practical steps to assess the client’s estate and financial planning needs, drafting steps, financial tools and legal safeguards to create to mitigate the risks clients with health challenges face.

Five million Americans are living with Alzheimer’s disease; 400,000 are living with Multiple Sclerosis; Parkinson’s disease affects 1% of those over age 65; 130 million Americans live with some type of chronic disease. Clearly, these health issues and others affect Estate Planning.

3 CPE hours approved for CPAs; 3 CEs approved for CFPs; 3 CLEs have been approved for attorneys.

The session is being held at the Baltusrol Golf Club, 201 Shunpike Road, Springfield, NJ 07081 on June 19th. To Register go to www.njfoundationforaging.org/events.html

As Senior Population Swells, State Needs to Lift Moratorium on Adult Day Care

Thursday, May 31st, 2012

As Senior Population Swells, State Needs to Lift Moratorium on Adult Day Care

 By Roberto Muñiz, President and CEO, The Francis E. Parker Memorial Home Inc.

 The NJ Department of Health and Human Services has documented the many financial abuses in the adult day care system, reporting numerous providers who have scammed Medicaid to reap small fortunes off the backs of taxpayers.

Negative stories abound in the media:   Day care providers telling the elderly to lie to state investigators about their needs, people with disabilities placed in wheelchairs when they are able to walk, and even one case where a client with alleged heart failure and severe asthma was spotted cutting the center’s grass.  All these examples illustrate the extent that unscrupulous providers will go to collect Medicaid payments.  

With investigators suspecting that nearly one-third of the state’s adult day care centers committed some form of Medicaid fraud, according to published reports, it was no surprise that the state stopped issuing new licenses for adult day care centers in 2008. And, in an April 16th decision, that moratorium will be in place until at least November 1st of this year.

But while the NJ Department of Health and Human Services remains hesitant to allow any new centers to open, the demand in New Jersey for home and community-based long term care services is growing and adult day care is a cost effective option.

 Adult day care centers, if operated honestly and ethically, are enormously beneficial.  They make life easier for older New Jerseyans, giving them a safe and supportive place to receive quality care throughout the day.  Services vary among centers, but include medical care, stimulating activities and exercise, and nutritious meals and snacks.  They also provide transportation within a designated service area, making care and support accessible, and give caregivers, such as a spouse or child, a break from 24-hour-a-day care.

 Center staff is trained to monitor medical issues and communicate changes in health to caregivers.  For example, a scratchy throat or a fever could ultimately become a costly stay in a hospital if left untreated. Having a hot, fresh, nutritious lunch supports a daily balanced diet minimizing risk of dehydration or malnourishment.  An engaging walk with friends around the grounds can replace another inactive hour in front of a television.

Adult care centers, which receive $78.50 a day from Medicaid for each person served, are saving taxpayers a small fortune. Consider this: if not for these adult day care centers, many more seniors would be placed in skilled nursing homes, where the government would be spending significantly more to care for them, 24 hours a day, seven days a week.  Aside from cost, adult day centers honor every senior’s wish to remain home for as long as possible.

  Around New Jersey there are a variety of adult day programs.  At Parker, we offer two types, supporting both the social and medical needs of seniors.   The social program available five hours each weekday is for socially isolated elderly, who need motivation and support to maintain an active lifestyle while managing aging issues. Participants benefit from the wellness center, take in a movie, use the hair salon, attend rehabilitation therapy and engage in a host of other stimulating activities. 

 We also offer a medical program, available eight hours each weekday that provides health services, such as monitoring glucose levels, managing medications and providing clinical support for elderly with functional or cognitive challenges. Additionally, the program provides many activities that support the social and emotional needs of participants. 

 In addition to the much needed respite from the challenges of daily caregiving, Parker offers supportive education to caregiver families and assistance with long-term care options as participant needs grow.   

 The time is now for New Jersey officials to plot a future for adult day care, as statistics show there are now 1.13 million seniors living in the state and the numbers are quickly growing. As the Baby Boomers age and hundreds of thousands of New Jerseyans require care, there will be an enormous burden placed on the system.

  We are grateful that the state identified the unethical sources of fraud in adult day health services, and put corrective actions in place.  Now it’s time for state officials to lift the moratorium on new adult day centers, so that more high quality adult day programs can become available. 

 As the state is encouraging long-term care funding to move to home-and-community based services, supporting the growth of adult day programs makes fiscal sense andis the right thing to do for a growing demographic of New Jerseyans who want to remain at home with the support of affordable community resources.  

Roberto Muñiz, MPA, LNHA, FACHCA

President and CEO, The Francis E. Parker Memorial Home, Inc.

 Roberto Muñiz has more than 20 years of senior executive experience with health care and long-term care service providers.   In addition to his current role as Present and CEO of Parker, Mr. Muñiz is extensively engaged in leadership positions with several New Jersey state and national associations that foster the availability and quality of aging servicesMr. Muñiz holds a bachelor’s degree in public health administration and master’s degree in public administration from Rutgers University. He is a licensed nursing home administrator (LNHA) in both New Jersey and New York states.

Roberto Muñiz is the Chair of the Board of Trustees of the New Jersey Foundation for Aging, Inc.