Posts Tagged ‘new jersey’

How to Age Well: Planning Your Path, Part 2: Home, Health, and “After I’m Gone…”

Thursday, May 2nd, 2019

By Mason Crane-Bolton

Have you planned for future health and home changes? | Photo via pexels.com

 

There is no way to get aging “right”…

 

…But it does help to plan.

Something is happening each and every day across New Jersey. Across the United States. Across the entirety of the planet.

We are all getting older.

Like it or not, each and every one of us is on a journey of aging. From the moment we are born until the moment we die, we are aging.

We tend to think of aging as being something saved for an arbitrary age, like 50, 60, 65,…etc. We could list off the ages at which society (for one reason or another) has decided we’ve hit a certain benchmark in aging. Whether it’s Social Security benefits, Medicare enrollment, retirement, “senior citizen” discounts, or a screening your doctor now wants you to undergo, we tend to have these changes attached to specific ages or with “being of a certain age.” We think of them as being times in our life when a monumental change has occurred, a mark of “aging.”

But the truth is, regardless of what arbitrary number might be assigned to program enrollments or coupons, we don’t age in random, sudden leaps. We age constantly and gradually. While this might make it tempting to wait to plan for your later years, you should plan now. No one wants to be caught unawares by changes as you age or a sudden health crisis, so it makes sense to plan for your later years as early as possible. Think of planning now as training for becoming an older adult.

What if you already consider yourself an older adult? That’s not to say this blog doesn’t apply to you too! It absolutely does—no matter where you are or where you consider yourself to be in your path of aging, it makes sense to plan now for the road ahead, whether that road is two days or twenty years from now!

Having plans in place will mitigate much stress and bad decision-making in emergency situations. Much heartache and avoidable stressed is caused by being forced to make difficult decisions in the heat of the moment; time spent worrying about what the best decision is and then wondering if the right decision is the one you made.

What are some priorities to focus on? We’re so glad you asked. In this three-part series we’ll cover different aspects of how-to age well as we lead up to our 21st Annual Conference. If you’d like to register for the conference but haven’t yet, go to www.njfoundationforaging.org for more information.

This week we’ll cover: home, health, and “after I’m gone.”

 

Home

Wherever you live, there are changes you can make today for a better home tomorrow. A home that’s better suited to your future self.

Area rugs may be soft on your feet, but they can be a major trip hazard. Remove area rugs to prevent falls and cut down on your number of tripping hazards. If you still want something soft for your feet, consider installing carpets—these aren’t as trip-free as hard floors, but better than area rugs. Also, stay in the habit of wearing secure shoes instead of open-toed sandals or loose slippers around your home.

Although we covered many changes that may be needed due to mobility changes in the first part of this blog series (How to Age Well: Planning Your Path, Part 1), it’s also worth considering what changes you may want to make for your own comfort or peace of mind.

If your home is too large for you to comfortably handle, you may want to consider downsizing. Constant upkeep and cleaning of rooms that aren’t being used can take a toll on your energy and your money. If you’re concerned about having rooms available for visiting friends and family, let them stay at nearby hotels, motels, or Airbnb listings while they’re visiting. Not having to pay for extra heat, air conditioning and electricity, or regularly clean an infrequently used room, will make the visits more fun for everyone.

And if you missed it in the first part in our series, we have a link to help you find an aging-in-place specialist in your area: Living in Place.

 

Health

Whether or not you consider yourself to be in good health now, chances are that sooner or later you’ll have to face potential health issues. And even if you’re blessed with good health for the rest of your life, it’s a good idea to plan for a potential emergency. Whether it’s the diagnosis of a long-term illness or a broken ankle after a tumble on a running trail, illnesses and accidents happen—it’s best to be prepared.

First, learn your family medical history as best as you can and share this information with your medical providers. Is there a family history of cancer? Heart disease? Glaucoma or cataracts? Dementia or Alzheimer’s? Have you been previously diagnosed with any conditions or illnesses? Your medical provider should be alerted to any family or personal health history you have—this isn’t a guarantee you’ll have the same conditions, but a way for your physician to know what they should pay special attention to and screenings or treatments that could best benefit you. And remember that routine screenings and hygiene appointments, such as dental exams and cleanings, should be done regardless of age.

Interview your medical providers. If they don’t have a good understanding of aging in medicine or make you uncomfortable, look for a provider better suited to your needs. Many in the community of aging professionals now recognize the benefit of annual screenings for changes in cognitive abilities for early detection of possible dementia and Alzheimer’s—ask your provider if they do such screenings and any other screenings you have concerns about. Stay on top of changes in your health and don’t delay bringing them up with your provider; bring any questions you may have to your provider and make sure you get answers for each question. Bring your list with you and something to write on and with (don’t trust you remember everything when you get home) or ask your provider to send you home with additional information materials or resources. If your provider is unwilling to answer your questions, they are probably not the right provider for you.

Plan too for future caregiving needs and needed adaptations to changes. If you need caregiving, who will provide it and how? Will it be a nurse or a friend or family member? Will you need to pay this person? How often will you need help? You can ask your provider what insight they might have into your future needs, but also plan to have these discussions with spouses/partners, family, and yourself.

In addition to these concerns, you may think about bringing someone with you to your medical appointments—especially if you find yourself getting overwhelmed during exams or need some assistance in understanding procedures or doctor recommendations. If you have a caregiver or think it would be beneficial to have someone in the exam room with you, bring this up with your provider. Ask them if you could have a trusted person or caregiver with you.

As long as you’re planning, you should also plan what you would like in your medical care and end-of-life care. Seriously consider creating an Advance Directive and POLST form (Practitioner Orders for Life-Sustaining Treatment). You can learn more about these and fill the forms here NJ Advance Directive and POLST. Having an Advance Directive or POLST form often makes people uncomfortable because they believe the form is only for declining further medical care. This is not true. These forms allow individuals to express, in writing, when they are mentally and physically capable of making decisions, what they would like their medical care to be. Individuals can choose to have as many OR as few life-saving measures they would like to be taken in the event they are not conscious to tell doctors or loved ones their wishes. The POLST form also travels from doctor to doctor, allowing individuals to make their wishes known without having to fill out the form over and over again.

 

“After I’m Gone”

A former co-worker of mine, a planned giving attorney, used to use the phrase “If I get hit by an asteroid crossing the street tomorrow…” when talking about all the things we’d need to know if he died suddenly (he liked it as opposed to, “If I get hit by a bus,” because it seemed so much less likely!). In his line of work he was constantly discussing wills and estates with the organization’s supporters. This wasn’t as morbid as it may sound—the conservations were much less about death than a way for these supporters to tell my co-worker how they wanted to be remembered.

We don’t need to necessarily dwell on death with morbidity, but it’s healthy to recognize it will, inevitably, happen to us all. Whether or not we’re planning to give away money or large assets when we die, it’s not only wise, but necessary to plan what will happen with ourselves, our loved ones, and our things before and after we’re gone.

If you’re an adult, you should have a will. Regardless of how many assets you have or don’t have, whether you own a car or a house, a pet, or you have only the clothes on your back, it makes sense to dictate who will get what in a will. You can make this will as secret or as public as you’d like, give it all away to a favorite school or organization, or pass it along to family and friends, but you should make a will. Make sure you also have your will and wishes reviewed by an attorney to ensure your wishes can be carried out.

Even though most of us may be reluctant to discuss our own deaths, it’s worth remembering that our loved ones will have to process taking on additional household and/or financial responsibilities in addition to processing the emotional toll of our deaths. To make things easier for loved ones, it’s wise to write a list of passwords for bank accounts, utility accounts, etc., and to create other lists, such as where household objects are stored, how to maintain appliances or accounts, and other useful information your spouse/partner or loved ones might want to have access to.

Also consider having conversations with your loved ones about how you would like to have your death recognized. Let your loved ones know if you have religious/spiritual or personal practices that you would like incorporated into any kind of memorial service, song or story requests you may have, and any other details about your preferred type of service. If you face reluctance from loved ones in discussing matters of death, try to gently and compassionately remind them that these conversations are going to make things easier and are, ultimately, about love.

 

As we said in the first in our series, there is no one solution to deciding how you will cope with your home, health, or end-of-life decisions. Just as your life changes, so may the appropriate solution—having a plan, or even considering your current or future needs, is the first step to aging well.

 

Stay tuned for our next blog post, the third and last part in our “Planning to Age Well,” series: money and retirement.


Mason Crane-Bolton is Communications Manager for the New Jersey Foundation for Aging. His writing has appeared in EpiphanyUU WorldTo Wake/To Rise, and others. 

Detour the Dumpster‚ A Better Approach to Overwhelming Clutter

Thursday, January 17th, 2019

By Guest Bloggers Carolyn Quinn and Jaime Angelini

Do you have too much stuff?

Do you have too much stuff?

The people we meet who have “too much stuff” won’t ever be followed by a camera crew that captures shots of perilous, towering stacks of papers, bins or boxes. There will never be split screen comparisons of their house or apartment before and after workers and family members arrived.

That’s because clean outs are not our approach.

Though clean outs are good for TV ratings and achieving an immediate solution to a problem, it’s not what we do. Sure, it’s rewarding for viewers to stay tuned and see those transformed tidy, neat living spaces during the final minutes of the show. And, truth be told, we prefer tidy homes for those living in unsafe situations, but the means we employ to get to that goal do not include a dumpster.

The reason why we don’t endorse clean outs is often highlighted in those shows: it’s distressing. People who are strongly emotionally tied to their possessions have big emotional responses. Sometimes a dumpster-style clean out can be a trigger that leads to a setback of collecting – often ending up worse than the original hoard. They begin the behavior again; re-accumulating and filling up all that prime, vacant new real estate.

A confession…In the past–in another job many years ago–one of the authors of this blog, has been “guilty” of these clean outs. While assisting people under the threat of eviction, she cleaned up and cleaned out while working as a residential case manager. (So, cable TV, we are not picking on you unfairly. One of us has evolved from that thinking.)

We are better educated and better informed today. Older and wiser, as they say. The practices we teach now are rooted in successful programs that were proven to work long-term on changing behaviors for individuals living with hoarding disorder, also sometimes called Finders/Keepers, which is a modern term we prefer to use.

Can you identify your rooms on this chart?

Can you identify your rooms on this chart?

How it started

We originally sought out help for people in Atlantic County, following Hurricane Sandy, when we met and identified storm survivors who couldn’t part with their wet belongings. We saw firsthand people who did not get rid of their water-logged possessions weeks–even months–after the storm. They were stuck; and we worried about their health and safety as we observed layers of hazards in their living situation.

Jaime (left) and Carolyn (right) as part of The Atlantic County Hoarding Task Force

There was another glitch, a big one.

In our area no one local was working with people who lived with hoarding disorder. We called and asked…a lot. No one.

The results of online searching and researching led us to a successful initiative in Boston (now called the Metro Housing Boston’s Hoarding Training Institute). Luckily, the forward-thinking, helpful professionals there were willing to teach others, like us. Fast-forward through conferences, training, long-distance phone calls, more training and meetings.

The Mental Health Association in Atlantic County started its, “Too Much Stuff? Hoarding Tendency Initiative,” based on Boston’s successful model. We have been working with people referred to us by code enforcement officials, social workers, nurses, pest control and other professionals who have become partners in our effort to connect help to those who need it and accept it.

Individuals who are ready to make a change start out by attending our “Too Much Stuff,” support groups, which are bi-weekly meetings. During a typical meeting, people at various stages in their own pursuits to declutter are working their way through the process togetherTough topics, like how their possessions affect social relationships, are discussed openly and honestly among peers who understand and offer suggestions based on their experience.

We also provide in-home services to those who are ready for one-on-one support from staff. Each week staff spends about an hour to offer guidance on sorting/discarding, non-acquiring exercises and practicing other skills critical to manage clutter.

Some of those tips for decluttering include:

  • Start with 15 minutes a day. It’s emotionally draining, so the recommendation is to work in small, daily increments to prevent feeling overwhelmed or frustrated.
  • Resist the urge to do more or “get ahead” in a single day. The downside is that you may not return to the task the next day because of exhaustion.
  • Use a timer.
  • Sort in three piles: “Keep,” “Discard,” and “Maybe.” By the end of the session, assign the “maybes” to either “discard” or “keep.”
  • Work in the same room/space. Do not wander from room to room.
  • Maintain the space that is cleared. Mark the cleared space with painter’s tape as a visual cue to prevent the clutter from accumulating again.
  • Use black trash bags to hold items destined for trash or donation.

    Use signs like these for your ‘Keep,’ ‘Maybe,’ and ‘Discard’ piles!

What we know

Many people with “too much stuff” want to change. They’d like to make healthier lifestyle changes–such as not buying more stuff, not collecting free stuff, or not saving mail and other ways that commonly lead to a house that is cluttered and unsafe. We also recognize that, if these people could have changed their behaviors on their own, they would.

The reasons behind these behaviors are complex and individualized, and talking about them among peers helps.

We also know that talking about it all–the impact on family and friends, the challenges, and the successes–is an important part of the process. People feel less alone; they feel understood. Peer support helps.

Time and time again, we see that working toward the weekly goals is rewarding and worth the effort. Based on our experience and what’s been reported, this yields positive results and leads to success.

Science and research have come a long way for individuals with too much stuff. We understand that there is still a way to go to chip away at stigma associated with clutter. Shame and embarrassment can keep people frozen in place. We also know that this blog can make a difference to someone who reads it and shares it.

We don’t know all the answers, but we understand more than we did in recent decades. We keep looking for answers. And we’re confident that they’re not found in a dumpster.

We have a place for that idea: the “Discard” pile.

Like what you read here? Need help? Email [email protected] or call 609 916-1330


Carolyn and Jaime are co-developers of “Too Much Stuff? Hoarding Behaviors Initiative” at the Mental Health Association in Atlantic County.

Carolyn M. Quinn works at the Mental Health Association in Atlantic County as the ICE Wellness Program Manager, which provides peer-led support groups and a variety of wellness workshops to adults living with mental illness and co-occurring challenges. She also is a certified instructor for Adult and Youth Mental Health First Aid as well as a certified Advance Level Wellness Recovery Action Plan (WRAP) Facilitator.

Jaime Angelini is the Director of Consumer Services at the Mental Health Association in Atlantic County where she provides support, education and advocacy to individuals living with mental illness, substance use disorders, and those experiencing homelessness. Jaime is a certified Mental Health First Aid Instructor, parent educator, Disaster Response Crisis Counselor and a trainer for law enforcement officials who respond to individuals with special needs.

 

 

Aging Greatness: Great Achievements by Older Adults!

Thursday, October 18th, 2018

As a culture we tend to praise accomplishments as if there were an age limit. We like to focus on achievements made by people under a “certain age” as if we think “The younger, the better!” But achievements, major accomplishments, even fame and fortune, don’t have a cut-off age.

There’s nothing wrong with celebrating accomplishments and great deeds done by a specific age, but we’d like to take time here to point out that major accomplishments are achieved regardless of age. Below is just a sampling of some of the amazing things done by older adults of all ages, arranged alphabetically and in no order of greatness.


Author Harry Bernstein publishes his first book, The Invisible Wall: A Love Story that Broke Barriers—age 96

Paul C?©zanne has his first solo art exhibition‚Äîage 56

Julia Child begins the long running The French Chef program on PBS—age 51

Jack Cover invents the Taser stun gun to create a nonlethal weapon—age 50

Benjamin Franklin signs the Declaration of Independence—age 70

Cancer survivor Barbara Hillary becomes one of the oldest people, and first black woman, to reach the North Pole—age 75

Edmond Hoyle begins recording the rules of various card games, publishing A Short Treatise on the Game of Whist in 1742—age 70

Kathryn Joosten, Emmy Award-winning actress of Family Matters, Desperate Housewives, and The West Wing, begins TV-acting—age 56

Mark Jordan sets the World Record in 2015 for most pull-ups in 24 hours—age 54

Ray Kroc begins the McDonald’s franchise—age 52

Nelson Mandela is elected president of South Africa—age 75

Famed American Folk painter Anna Mary Robertson Moses, aka “Grandma Moses,” begins painting—age 76

Frank McCourt publishes Pulitzer Prize and National Book Critics Circle Award-winning Angela’s Ashes—age 65

Taikichiro Mori leaves academia for second career in Tokyo real estate, where he would eventually become the most successful person in the Tokyo real estate market and twice become Forbes’s “world’s richest man”—age 55

Leslie Nielsen stars in comedy-hit Airplane!—age 54

Nola Ochs graduates from Fort Hays State University and becomes the oldest person in the world to become a college graduate—age 95

James Parkinson identifies what will later be named “Parkinson’s disease”—age 62

John Pemberton invents Coca-Cola—age 55

Diana Nyad becomes the first confirmed person to swim from Cuba to Florida without a shark cage—age 64

Peter Mark Roget publishes first edition of Roget’s Thesaurus (originally titled, Thesaurus of English Words and Phrases Classified and Arranged so as to Facilitate the Expression of Ideas and Assist in Literary Composition)—age 73

Minoru Saito becomes the oldest person to do a solo circumnavigation of the globe without stopping at any port—age 77

Colonel Harland David Sanders begins the KFC franchise—age 65

Judge Judy Scheindlin begins the now longest-running courtroom TV show, Judy Judy—age 53

Ernestine Shepherd, former world’s oldest competitive female bodybuilder, begins bodybuilding—age 56

J.R.R. Tolkien publishes The Fellowship of the Ring, the first volume of the Lord of the Rings trilogy—age 62

Betty White becomes the first woman to win a Daytime Emmy Award in the category of Outstanding Game Show Host—age 61

Laura Ingalls Wilder publishes Little House in the Big Woods, the first of the Little House books—age 64

 


Whose major achievement are you fascinated by? What are your own accomplishments? Leave us a comment below or send us an email if you’d like us to share them! Whether it‚Äôs breaking a record, fulfilling a lifelong dream, standing out in your industry, or just doing something you‚Äôre proud of, every day is an opportunity for your own achievement‚ÄîNo matter your age!

Cybersecurity: Where does it begin? Where does it end?

Thursday, May 31st, 2018

Mitchell Feather, Vice-President, Creative Associates

 

It seems like every day brings news of more cyber threats and breaches, which seems to leave you with more questions than answers. Has my information been stolen? How should I respond? What can I do to protect myself? What can I do to detect and avoid threats?

Companies may take measures to protect – or share – your information. Regardless of new technologies, tools, patches, laws, and regulations, there is one unwavering fact: Cybersecurity begins with you – and ends with you. What you do or don’t do is critical and that cannot be overemphasized. When it comes down to it, you control what you do or don’t do to protect yourself, your money, and your information. And you cannot delegate that responsibility.

Protect Your Tools and Toys: The first thing you should do, if you haven’t already, is to ensure that you have installed the appropriate software and that the appropriate settings have been enabled (or disabled) to protect your computers, smartphones, tablets, etc.

You should have antivirus/antimalware software/apps installed on all of your devices. There are a number of very good products to choose from such as Sophos, McAfee, and Malwarebytes. Even though it might be tempting to install just free versions of some of these, you should look at the paid versions. They generally offer more features that can enhance your security and peace of mind.  

One thing that you must NOT do is respond to pop-up alerts that warn you that your device has been infected and recommending that you click on a link or button to install software to protect your computer or device. If you click on that link or button, you will probably achieve just the opposite and infect your device. More about this later.

Sometimes, while browsing websites, you may end up on a malicious web page that that results in your computer or device becoming infected. This is why a utility like McAfee’s WebAdvisor can be very helpful, and it is a free download which offers a number of protections. If you are looking for similar utilities, be careful with what you find in your search results. Some malicious threat actors have paid ads for product names that sound very legitimate but, in reality, are carefully thought-out schemes that are designed to trick you into installing malicious software.

Plan For the Worst: Sometimes, no matter how hard you try, bad things still seem to happen such as lost or stolen smart phones or computers or ransomware infections. This is one of the reasons you should always make backups of your devices – and keep the backups current. Procedures vary depending on the type of device. For Windows and Apple computers, you can backup hard drives you have physically connected to your computer or you can back up to a number of cloud services. For Android and Apple devices, there are settings on the devices to allow for automatic backups to Google or iCloud, respectively. Whether you are backing up to a USB-connected hard drive or to a cloud storage service, you want to make a practice of disconnecting it from the computer after you make the backup. Some variants of ransomware are “smart” enough to not only access all of your computer’s files, but they will also seek out any backups you may have and gain access to those as well.

Now, Assume the Worst: It is not unrealistic to assume that your personal and/or financial information has already been compromised by one or more of the many breaches that have occurred last year or prior. This means that you should be monitoring your financial assets.

You are entitled to a free copy of your credit report from Equifax, Experian, and TransUnion every 12 months. Nobody says that you have to take them all at once. Spread them out so you are getting a copy of your credit report every 4 months and review them carefully for signs of unusual activity or identity theft. You can order the free reports from annualcreditreport.com. That same website can also help explain what you should be looking for when you review your credit report. And do not think somebody is too young or too old to bother with this task. If somebody has a social security number, then their credit reports should be monitored.

Also, many banks now offer free credit score monitoring for their credit card customers. Depending on the bank, the information they offer will vary. But, generally, they will tell you if your credit score has moved up or down and provide some insight as to why it changed.

Talking About Credit Cards and Banks, most banks offer notification options, so you can be kept informed regarding any activity. Some banks will allow you to set an alert so that you can be notified if there is any credit card charge activity, even as small as a few cents. This may seem a little extreme but some fraudsters will run extremely small charges to test if credit card numbers are still valid while maintaining a low profile.

If you have not already, you should take other steps to secure your credit card and online banking accounts. Specifically, you should seek out if your online banking websites offer two factor authentication. If they offer two factor authentication, also known as 2FA, I strongly recommend you implement it. This advice extends beyond just online banking. You should implement 2FA for any of your online services that offer it: banks, brokerage accounts, telephone company, gas/water/electric utilities, email, Google, Facebook, etc. What if your bank does not offer two factor authentication? You may want to consider changing banks. You can find a list of banks, as well as other business and services, which support 2FA at https://twofactorauth.org.

Two factor authentication is based on two pieces of information rather than just a password. These factors can be various combinations of things like something you know (e.g., passwords or PINs), something you have (e.g., ATM card, smartphone), or something you are (e.g., fingerprint, voice print, or facial recognition). For greater security, we sometimes use more than 2 factors. This is referred to as Multi-factor authentication, or MFA. This is an area that is always changing in an effort to try to create more secure but also easier for you to use. Currently, the most common 2FA implementations you will find include sending you a security code by text message (SMS), by telephone call, or by email. Be careful if you are access any of your online sites from a smartphone and you have the security code sent to the same smartphone. If your smartphone gets lost or stolen, you may find yourself or your accounts a little vulnerable.

Many online websites also take advantage of security questions (e.g., In what town was your elementary school?, where did you meet your spouse?, etc.). I strongly advise you to lie when you answer these questions. Use answers that are totally irrelevant (e.g., What is your favorite color? Answer: “Outer Mongolia”) and meaningless to you or somebody else. Nobody says you have to tell the truth. All you have to do is remember your answers. And do not use the same questions or answers among different websites.

Let’s Pass on Passwords: Probably as far back as you can remember, you’ve been saddled with the task of creating and remembering passwords to access all sorts of information. Some of you used easily-remembered personal details like your anniversary date, your spouse’s name, your pet’s name, your mother’s maiden name, etc. Some of you may have just used easily remembered words such as your favorite food or flower. Some of you still use “password12345” or “qwerty” as your password. Even worse, many of you use the same password for many of your online login passwords.

There are serious security risks associated with these practices: If you use personal information as a password, a threat actor can figure out that password just by researching your personally identifiable information. Common words as passwords are also easily determined by threat actors by use of tools called password crackers, which use large dictionaries.

You are better protected by using complicated collections of letters, numbers and symbols, such as ‚ÄúP^MP2F7~HRnZ)LU‚Äù. You can also better protect yourself by using passphrases instead of passwords, complete with spaces when allowed. Additionally, replace some letters with numbers and symbols. You can go with lyrics to a song, poetry lines, etc. As an example, consider the lyrics of Over the Rainbow: Start with ‚ÄúSomewhere over the rainbow Way up high.‚Äù Replacing letters with numbers and/or symbols, this can become ‚Äú[email protected]!nb0w#wAyupHi!‚Äù. Or you can take just the initial characters of each word and put those together and similarly swap out some letters. This can become: ‚Äú50TrWuH!‚Äù Just use your imagination: the more complicated it is, the safer you are.

Remember not to use the same password or passphrase with more than one account. And change your passwords regularly. Also, if you get notified or read that any service that you use has been breached or compromised in any way, immediately change that password/passphrase.

Also, it is very important to remember to change the default passwords on any software service to which you subscribe or any hardware that you purchase. This is especially true for any internet routers, switches, wireless cameras, televisions, appliances, etc. The FBI and other agencies have released alerts warning about the threat actors from foreign countries that are trying to penetrate these devices.

You Expect Me To Remember This?: You have no decided to follow all of my advice about passwords. Remembering all of these passwords may prove to be more than challenging. Fortunately, there are some very good password managers available to you. Some are available for free, some you have to pay for. Two of the better password managers are Dashlane and LastPass.

Reign In Your Privacy: Now that we’ve covered the basics, let’s turn attention to keeping your information more private and less at risk. You should review and adjust some of your web browser settings. Additionally, you should review and adjust your privacy settings on your social media sites and other online accounts.

Check your web browser settings for privacy and security settings. There, you will find a number of options that would be useful to you. With Chrome, for example, you will find settings like “Protect you and your device from dangerous sites” and “Send a ‘Do Not Track’ request…”. I recommend enabling both of them. You will also find settings like “Automatically send usage statistics…” I recommend that you seriously consider whether or not you want to share this private information with Google.

You will also find a section to enable or disable the capability to Autofill information when you need to fill out online forms. I strongly recommend that you disable this functionality. Among the many reasons is the possibility that a threat actor can setup a web page to secretly retrieve all the fields of information that you have stored in the autofill feature. You should also NEVER store credit card information in a web browser’s autofill feature.

With your online accounts like Google and Facebook, you will see features like privacy checkup and security checkup. You should perform these checkups and appropriately limit which features are enabled and what information you are allowing to be tracked. In the case of Google, as an example, this may include actual recording of your voice. You can – and should – purge any of this tracking information that you do not wish to be shared and/or stored. Also check your social media settings such that you only share information and files as you desire.

Time To Be Diligent: Now that you have addressed many of your hardware, software, and account settings tasks, you now come to the never-ending task: Be Diligent! The greatest risk to you is social engineering. Threat actors are always trying to take advantage of you by getting you to lower your guard, cause you to panic, take advantage of your trusting nature, etc. All it takes is one click on a link or opening one attachment to cause all kinds of problems for yourself and possibly others. These social engineering attempts, also known as phishing, can appear as very legitimate-looking emails or websites. It might appear as a PDF attachment in an email, or a Docusign email, a link to a dropbox document, an alleged invoice, or a multitude of others.

The rule is a simple one: if you are sent an attachment or an email telling you to click on a link and you do not recognize the source, do NOT open it nor click on the link. If you recognize the sender of the email but you are not expecting the attachment, call the sender by telephone and ask him/her if he/she really sent you the attachment or link. Do NOT just reply to the email and ask if it is legitimate because you may not be sending the email to the individual that you think you are sending it to.

There are a many websites that you can visit to learn more about phishing or where you can take phishing quizzes. A good starting point is www.phishing.org.

Don’t Be Proud or Shy: Some phishing attacks are so realistic and so well done that trained professionals can sometimes be fooled. So do not be embarrassed if you are not sure what to do or you are afraid your device or your information may have been compromised. As someone you trust for help. Or file complaint with agencies like The Internet Crime Complaint Center (www.ic3.gov) or the Federal Trade Commission (www.ftc.gov). If you really don’t know where to turn, you can always reach out to your local police department for assistance. If they cannot help you, they can help steer you to appropriate individuals for help.

 

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Let’s Talk About It

Friday, April 13th, 2018

On Tuesday, June 12th NJFA will host it’s 20th Annual Conference. This year’s conference title is Models, Policies and Prescriptions for Healthy Aging. We have an agenda full of great presenters and topics, you can learn more by visiting our website.

NJFA is honored that our Luncheon Keynote will be presented by Dr. Alison Thomas-Cottingham. Please see the article below (click on the image for full article) written by Dr. Thomas-Cottingham from the Fall 2017 issue of Renaissance magazine. We hope that you can join us for this informative discussion and much more on June 12th.

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 ?¢‚Ǩ?ìOpen Enrollment,?¢‚Ǩ¬ù 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”¬ù 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 ?Ǭ†2018.?Ǭ† 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.?Ǭ† 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‚Äôt 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 [email protected].

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