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The North Shore's<br />
longest-running<br />
<strong>Senior</strong><br />
Resource Guide<br />
FALL<br />
<strong>2024</strong><br />
HEALTH CARE<br />
COMMUNITY<br />
SENIOR<br />
ORGANIZATIONS<br />
ELDER LAW<br />
AND FINANCIAL<br />
SPECIALISTS<br />
IN-HOME-CARE<br />
ASSISTANCE<br />
NURSING AND<br />
REHABILITATIVE CARE<br />
AFFORDABLE<br />
SENIOR HOUSING<br />
OPPORTUNITIES<br />
ASSISTED LIVING<br />
AND<br />
MUCH MORE<br />
SENIOR ACTIVE LIVING
2 ESSEX MEDIA GROUP SENIOR ACTIVE LIVING FALL <strong>2024</strong><br />
Free Medicaid<br />
Planning Seminar<br />
INFORMATION ABOUT:<br />
• Who is a candidate for Medicaid?<br />
• What info is needed to apply?<br />
• What are allowable spend down items?<br />
• Who can help you through the Medicaid application process?<br />
Session 10:<br />
November 21 at 12 p.m.<br />
@Silver Lining Solutions Office<br />
Learn the ins and outs of the<br />
Medicaid process, and important<br />
application information<br />
And here is the link to sign up:<br />
https://form.jotform.com/232083762171150<br />
For more information<br />
please go to our QR code:<br />
Darcia Tremblay<br />
461 Boston Street, Unit B1<br />
Topsfield, MA 01983<br />
Office: 978-887-1100<br />
silverliningsolutions.com
SENIOR ACTIVE LIVING FALL <strong>2024</strong> ESSEX MEDIA GROUP 3<br />
Considering the Unexpected: What to do when you are away from home?<br />
At times, the unthinkable happens<br />
away from home when experiencing the<br />
loss of a loved one out of state. This is an<br />
instance where we have supported families<br />
for over 130 years over the course of five<br />
generations and one family.<br />
At the Murphy Funeral Home, we<br />
are a member of Selected Independent<br />
Funeral Homes, which is an invitation<br />
only organization that was established in<br />
1917 under the name of National Selected<br />
Morticians (NSM). Funeral homes are<br />
invited to be a part of this organization<br />
after being evaluated for their character,<br />
professional ability and reputation. Within<br />
this organization, we have a network of<br />
funeral homes that we work with across<br />
the country who have assisted us when<br />
a passing takes place away from home<br />
in bringing loved ones back into our<br />
community.<br />
When we receive a phone call of a<br />
passing like this, we contact a NSM<br />
funeral home nearest to the passing. The<br />
funeral home we contact is able to assist<br />
us in bringing your loved one back to<br />
their funeral home and filing the death<br />
certificate and permit in accordance with<br />
your wishes (burial permit, cremation<br />
permit, transportation permit).<br />
Should those wishes be an earthen<br />
burial back home, we go through the<br />
process of coordinating your loved one<br />
being brought back home. If the distance<br />
falls within the New England/Northeast<br />
Region (Maine, Vermont, New Hampshire,<br />
New York, New Jersey, Connecticut,<br />
Rhode Island) our staff will bring them<br />
back home via our service vehicle. Should<br />
the distance be further, and it be deemed<br />
more appropriate for air travel, we take<br />
care of coordinating the flight for your<br />
loved one to return home.<br />
Should those wishes be cremation,<br />
it is often best for us to arrange for the<br />
cremation to take place in that state and<br />
the creamains brought back to our care<br />
following the cremation. The return of the<br />
ashes back home here can occur in several<br />
ways, including participation from the<br />
ASK THE EXPERT<br />
family should they also be out of state or<br />
with us following the steps as we would<br />
for an earthen burial.<br />
Upon your loved one’s return home, we<br />
can arrange and facilitate the services you<br />
and your family would like as we would if<br />
a passing occurred in<br />
Massachusetts. For more information<br />
about this topic or other questions about<br />
funeral arrangements, please contact us<br />
here to schedule a time to meet with one<br />
of us. We would be more than honored to<br />
assist you.<br />
Along with my colleagues, Francis J.<br />
Murphy, Robert Clocher, and Christopher<br />
M.J. Ellis, we here at Murphy Funeral<br />
Home are proud and honored to assist<br />
members of our community. I encourage<br />
anyone who has any questions about<br />
arrangements similar to these or any other<br />
funeral related questions to call us at 978-<br />
744-0497 or email us at Administrator@<br />
MurphyFuneralHome.com.<br />
We are here for anything you or your<br />
family may need.<br />
Francis J. Murphy Jr.
4 ESSEX MEDIA GROUP SENIOR ACTIVE LIVING FALL <strong>2024</strong><br />
4 tips to stay on top of fraudster's latest tricks<br />
StatePoint<br />
Identity theft is reportedly<br />
a growing threat as fraudsters<br />
evolve to be savvier and more<br />
sophisticated. There have been<br />
more than 1,300 data breaches<br />
already in <strong>2024</strong>, according to the<br />
Identity Theft Resource Center.<br />
It’s no surprise an Experian<br />
survey found that many consumers<br />
are wising up to the risk, with<br />
over half the U.S. adult population<br />
saying they’re highly concerned<br />
about identity theft and fraud.<br />
“As fraudsters continue to<br />
become more sophisticated, it’s<br />
critical that you take matters<br />
into your own hands and protect<br />
your personal information,”<br />
said Michael Bruemmer, vice<br />
president of Experian Global Data<br />
Breach Resolution and Consumer<br />
Protection at Experian.<br />
JOHN KOZLAUSKA, D.M.D.<br />
DENTAL CARE NORTH, Inc.<br />
Affordable and Comprehensive<br />
Treatment Options<br />
Complimentary Consultations<br />
<strong>Senior</strong> discounts<br />
To help you avoid becoming a<br />
victim of fraud, there are a few<br />
key tips you should follow:<br />
Create strong passwords:<br />
Create strong passwords for every<br />
account you have and don’t repeat<br />
passwords. If you reuse the same<br />
password across multiple accounts<br />
and a criminal gets ahold of it,<br />
they can potentially wreak havoc<br />
on your personal and financial<br />
life. A password manager can help<br />
you create unique passwords and<br />
store them so you don’t need to<br />
remember them all on your own.<br />
Protect personal documents:<br />
Keep all your personal documents<br />
out of the hands of fraudsters,<br />
especially your social security<br />
card, as it can quickly open the<br />
door to identity theft. Leave<br />
your social security card in a<br />
safe place at home–don’t carry<br />
it with you. Additionally, check<br />
Delta Dental & Blue Cross<br />
Provider and accept most<br />
insurances<br />
your mail every day to prevent<br />
theft of potentially sensitive data.<br />
Shred paperwork with personal<br />
information on it before throwing<br />
it away. Also, consider having<br />
statements delivered electronically<br />
so there are fewer physical<br />
documents with your information<br />
on them.<br />
Watch out for phishing scams:<br />
Phishing uses fake text messages,<br />
emails, phone calls or other types<br />
of communication that look<br />
like it comes from a reputable<br />
source. The fraudster’s goal is<br />
to make you click on a link or<br />
open an attachment and share<br />
your personal information.<br />
After clicking the fake link and<br />
using your login credentials, the<br />
scammer can gain access to your<br />
account. To protect yourself from<br />
these types of scams, never click<br />
on a link or open an attachment<br />
from someone or a company that<br />
you don’t recognize or that looks<br />
suspicious. Additionally, if you<br />
receive notice that your personal<br />
information was involved in a data<br />
breach, be cautious about hackers<br />
who may imitate the company<br />
you received the breach notice<br />
from. To verify the legitimacy of<br />
the communication, identify the<br />
correct phone number by looking<br />
at physical statements or by<br />
logging into your account through<br />
a verified portal and call or email<br />
the company separately.<br />
Use caution when answering<br />
calls: Criminals may try to call<br />
you and pretend that they are with<br />
a company you are associated<br />
with in order to have you provide<br />
your personal information. Never<br />
provide information over the<br />
phone.<br />
700 Summer St. Lynnfield Call Now: 781-334-2520
SENIOR ACTIVE LIVING FALL <strong>2024</strong> ESSEX MEDIA GROUP 5<br />
RATES ARE DOWN!<br />
Curious how much your<br />
home is worth?<br />
ASK US!<br />
CALL US TODAY! 978-219-0011<br />
REMAXBeaconma.com<br />
Take Advantage of lower<br />
rates—sell your home<br />
As a senior homeowner, you<br />
may have been holding off on<br />
selling your home, waiting for<br />
interest rates to drop. With the<br />
recent decrease in rates, now<br />
is an excellent time to consider<br />
putting your home on the market.<br />
This change presents unique<br />
opportunities for sellers, as lower<br />
interest rates tend to attract more<br />
buyers. Waiting too long, however,<br />
could mean missing out on<br />
motivated buyers who are eager to<br />
make a move before rates fluctuate<br />
again.<br />
Downsizing now could not<br />
only free up valuable equity for<br />
your retirement but also reduce<br />
the responsibilities that come with<br />
maintaining a larger home. By<br />
selling, you could use the proceeds<br />
to support your lifestyle, travel, or<br />
even invest in a more manageable<br />
property.<br />
If you're unsure how to get your<br />
home ready for sale, a trusted real<br />
estate professional can guide you<br />
through the process. They can help<br />
with everything from staging and<br />
repairs to marketing your home<br />
so that it stands out in today's<br />
competitive market.<br />
Selling your home in the<br />
current market can offer financial<br />
fl e x i b i l i t y a n d p e a c e o f m i n d ,<br />
making it a smart step as you plan<br />
for the future.<br />
Anchor Home Medical Supplies:<br />
Trusted source for home equipment<br />
Anchor Home Medical & Pharmacy<br />
is your source for hospital equipment<br />
for the home. We have two locations,<br />
one in Peabody and the other in<br />
Beverly. Our goal is to provide the<br />
most affordable rates on the widest<br />
selection of quality medical equipment<br />
and home medical supplies.<br />
The Anchor Home Medical &<br />
Pharmacy team started serving the<br />
medical community over 40 years<br />
ago, beginning as a corner drugstore<br />
in Middlesex County. Through our<br />
compassionate and attentive service,<br />
we quickly became a reliable and<br />
trusted source for home healthcare<br />
supplies.<br />
In 2020 we moved to Beverly, MA<br />
continuing our service to patients and<br />
caregivers. Anchor Home Medical<br />
& Pharmacy is the premier one-stop<br />
source for Prescriptions and Medical<br />
Equipment on Boston’s North Shore.<br />
We take pride in servicing clinics<br />
and medical offices, group homes,<br />
rehabilitation facilities, long term<br />
care facilities, visiting nurses,<br />
physical therapists and home care.<br />
We are locally owned and operated<br />
providing a convenient store location,<br />
knowledgeable staff, friendly<br />
individualized service, competitive<br />
pricing and free delivery. If you are<br />
interested in viewing the products we<br />
offer you can visit our website at www.<br />
anchorhomemedical.com or come by<br />
for a visit.<br />
We are located at 409 Cabot Street,<br />
Beverly MA 01915. Our phone<br />
number is 978-720-8170 and fax<br />
number is 978-969-0272. You can also<br />
email us at anchorhomemedical@<br />
gmail.com. My name is Walter<br />
Ciampa, I’m the owner of Anchor<br />
Home Medical and I welcome you to<br />
my store.<br />
Your Local Trusted Pharmacy and Medical Supply Store<br />
At Anchor Home Medical &<br />
Pharmacy, we’re more than just a<br />
pharmacy—we’re your healthcare<br />
partner. We offer free medication<br />
deliveries, convenient medication<br />
packaging, vaccinations, and a<br />
full selection of home medical<br />
supplies. Explore our sales,<br />
service, and rentals of hospital<br />
beds and Golden lift chairs,<br />
designed for independent living<br />
and mobility.<br />
Connect with us on Facebook for free<br />
chair delivery or 10% off items under $500!<br />
Our dedicated team is here to provide personalized care<br />
and ensure you have everything you need to stay healthy.<br />
Visit us today and experience the Anchor difference!<br />
Anchor Home Medical & Pharmacy<br />
(978) 720-8170 | www.AnchorHomeMedical.com
6 ESSEX MEDIA GROUP SENIOR ACTIVE LIVING FALL <strong>2024</strong><br />
Your Worry-Free Retirement at Brooksby Village<br />
Many believe independence<br />
means staying in their house<br />
for as long as possible. At an<br />
Erickson <strong>Senior</strong> <strong>Living</strong>®-managed<br />
community like Brooksby Village®,<br />
you are free to pursue the interests<br />
and activities you love—all while<br />
knowing you have a safety net of<br />
support should you ever need it.<br />
Modern Campus<br />
We are located on a spacious<br />
campus with lush gardens and<br />
charming courtyards. Stroll or bike<br />
along the well-tended walking paths<br />
that are manicured and beautiful all<br />
year long. Enjoy a game of bocce,<br />
pickleball, or a fun fitness class.<br />
Stay <strong>Active</strong><br />
You can be as active as you want.<br />
From gardening to travel, history to<br />
photography, you’ll find hundreds<br />
of clubs, classes, and activities to<br />
explore. Our community members<br />
have found creative ways to connect<br />
through faith services, fitness<br />
classes, and more.<br />
Fantastic Amenities<br />
Experience resort living every<br />
day. We bring you a wealth of<br />
exciting amenities and services<br />
in one location. Enjoy a variety<br />
of dining options, including an<br />
exhibition kitchen and a casual pub.<br />
Without the burden and expense<br />
of house maintenance, you can be<br />
active, stay fit, have fun, and pursue<br />
your interests.<br />
More for Your Money<br />
Brooksby Village offers more<br />
than other senior living options. At<br />
a rental community, the money you<br />
pay each month is gone forever,<br />
and life care communities force<br />
you to pay for extra care you may<br />
never use. But at Brooksby Village,<br />
90% of your entrance deposit* is<br />
refunded to you or your heirs, and<br />
you only pay for more advanced<br />
care if you need it.<br />
Peace of Mind<br />
Brooksby Village keeps your<br />
expenses predictable and your future<br />
secure. An affordable Monthly<br />
Service Package covers almost all of<br />
your regular bills for a set amount<br />
that doesn’t fluctuate from month to<br />
month. Repairs inside and outside<br />
your apartment home are also<br />
included at no extra charge.<br />
Continuing care is available<br />
right on campus. If the time ever<br />
comes when you need extra care or<br />
support, you and your family can<br />
relax. The “what-ifs” of tomorrow<br />
are already covered.<br />
Community<br />
Here, you’re part of a close-knit<br />
community of friends, neighbors,<br />
and people who care. With a<br />
friendly maintenance team, security<br />
professionals, and full-time doctors<br />
and nurses, Brooksby Village’s large<br />
and dedicated staff is here for you,<br />
no matter what.<br />
There’s never been a better time<br />
to learn about Brooksby Village.<br />
Call 1-888-246-3596 to receive your<br />
free brochure.<br />
Disclaimer : *As per the Residence<br />
and Care Agreement<br />
WE OFFER MORE THAN OTHER<br />
SENIOR LIVING COMMUNITIES.<br />
MORE FOR YOUR MONEY<br />
MORE PEACE OF MIND<br />
MORE AMENITIES AND SERVICES<br />
Learn MORE reasons to choose retirement<br />
living at Brooksby Village.® Call 1-888-246-3596<br />
or visit BrooksbyVillageCommunity.com for<br />
your FREE brochure.<br />
North Shore<br />
BrooksbyVillage.com<br />
1179900
SENIOR ACTIVE LIVING FALL <strong>2024</strong> ESSEX MEDIA GROUP 7<br />
The Law Office of Julie Low<br />
practices exclusively in elder law,<br />
estate planning, probate and estate<br />
administration, and special-needs<br />
planning.<br />
The firm designs customized,<br />
comprehensive will-based and trustbased<br />
estate plans to meet each client’s<br />
unique needs. Whether your goal is to<br />
protect assets from future long-term<br />
care costs, minimize estate taxes and<br />
administration fees, ensure a legacy<br />
for your descendants, provide for<br />
your needs in the event of incapacity<br />
or protect and provide for a family<br />
member with special needs, the Law<br />
Office of Julie Low can design an<br />
estate plan that meets your objectives.<br />
Attorney Low opened her<br />
Beverlybased firm because she had<br />
a vision for the way law should be<br />
practiced — with a focus on the client<br />
Wondering how to protect your assets?<br />
The Law Office of Julie Low can help<br />
instead of billable hours.<br />
She believes in creating an inviting,<br />
personable atmosphere where clients<br />
feel comfortable discussing very<br />
personal subjects. Attorney Low<br />
fully engages her clients in the design<br />
process, educating and guiding them<br />
to make informed decisions. The<br />
end result is a comprehensive plan<br />
clients understand, rather than a set<br />
of documents that have little personal<br />
meaning.<br />
The firm charges fixed prices<br />
instead of traditional hourly rates<br />
for estate planning. Attorney Low<br />
believes clients appreciate knowing<br />
the cost of services up front and the<br />
open communication such an approach<br />
fosters.<br />
Client meetings are centered around<br />
important issues — not the clock<br />
— and are handled with a touch of<br />
lightheartedness, when appropriate,<br />
"because contemplating disability,<br />
incapacity or death is not a delightful or<br />
pleasant experience for most."<br />
Clients are invited to contact Julie,<br />
or a team member, with questions,<br />
without worrying about being billed for<br />
extra time.<br />
One of the firm’s specialties is the<br />
creation of Long-Term Care Plans to<br />
help clients navigate the complicated<br />
regulations of Medicaid, Veterans<br />
Benefits and other government<br />
programs.<br />
Because Julie is knowledgeable in<br />
planning for both types of Medicaid<br />
(traditional nursing home and the lesser<br />
known, but unbelievably beneficial,<br />
community programs), she reviews<br />
her clients’ options with an eye to all<br />
programs to ensure each plan provides<br />
later flexibility.<br />
Julie is a member of<br />
WealthCounsel, ElderCounsel,<br />
The National Academy of Elder Law<br />
Attorneys (NAELA), and The<br />
Academy of Special Needs Planners.<br />
She graduated cum laude from<br />
Western New England University<br />
School of Law in 2007.<br />
In her free time, Julie volunteers<br />
with North Shore Elder Services’<br />
Money Management Program,<br />
assisting local seniors with paying<br />
bills and budgeting, and on Northeast<br />
ARC’s Human Rights Committee.<br />
The Law Office of Julie Low<br />
provides complimentary workshops on<br />
the basics of estate planning and long<br />
term care.<br />
Call the Law Office of Julie Low<br />
today to sign up for the next workshop<br />
or register on their website.<br />
For peace of mind, for those you love, estate planning!<br />
Special Needs Planning<br />
Law Office of<br />
Estate Planning<br />
& Elder Law<br />
Specializing in<br />
Medicaid Applications<br />
& Long Term<br />
Care Planning<br />
Receive a half-price, one-hour consultation after attending one of our free, virtual estate planning workshops.<br />
Saturday<br />
Oct. 12<br />
10 a.m. - noon<br />
Estate Planning Workshop schedule<br />
Tuesday<br />
Oct. 22<br />
6:30 p.m. - 8:30 p.m.<br />
Saturday<br />
Nov. 9<br />
10 a.m. - noon<br />
Medicaid Workshop schedule<br />
Thursday<br />
Oct. 17<br />
6 p.m. - 7 p.m.<br />
Thursday<br />
Dec. 12<br />
6 p.m. - 7 p.m.<br />
Tuesday<br />
Nov. 19<br />
6:30 p.m. - 8:30 p.m.<br />
266 Cabot St., Suite 1, Beverly • www.lawofficeofjulielow.com
8 ESSEX MEDIA GROUP SENIOR ACTIVE LIVING FALL <strong>2024</strong><br />
Open House<br />
Empower Wellness, Embrace Life<br />
At Chelsea Jewish Lifecare North Shore, we provide a continuum of care that adapts to your<br />
needs. As your trusted partner, we are here to support you through every stage of your<br />
wellness journey. Reach out today to explore a variety of options and resources.<br />
Assisted <strong>Living</strong> | Memory Care | Short-Term Rehabilitation | Long-Term Care<br />
Adult Day Health | VNA | Hospice | And More...<br />
Join Us At Shapiro-Rudolph Adult Day Health Center<br />
Wednesday, November 13th 3:30pm-5pm<br />
240 Lynnfield St, Peabody, MA<br />
Please RSVP to Eleanor Langstaff at 978-471-5182 or<br />
elangstaff@chelseajewish.org
SENIOR ACTIVE LIVING FALL <strong>2024</strong> ESSEX MEDIA GROUP 9<br />
Making a Move to Kaplan<br />
Estates Assisted <strong>Living</strong><br />
With numerous assisted<br />
living communities on the North<br />
Shore, it’s interesting to note<br />
how perspective residents find a<br />
residence best suited to their needs.<br />
At Harriett and Ralph Kaplan<br />
Estates, a continuum of care<br />
community located on Chelsea<br />
Jewish Lifecare’s Peabody campus<br />
and operated by Legacy Lifecare,<br />
it’s often a matter of talking to<br />
family and friends. “Most people<br />
find out about us via wordof<br />
mouth,” explained Antonio<br />
Alvarez, Director of Community<br />
Relations at Kaplan Estates.<br />
“Individuals are often referred to<br />
us by friends and family members<br />
who have stayed on the continuing<br />
care campus, whether it be for<br />
assisted living at Kaplan Estates,<br />
Shapiro-Rudolph for Adult Day<br />
Health or at the Brudnick Center<br />
for <strong>Living</strong> for Short-Term Rehab or<br />
Long-Term Care. Our reputation is<br />
key. In fact, many people decide<br />
not to even tour other communities.<br />
That’s incredibly rare in this<br />
industry.”<br />
It has been a busy summer and<br />
fall at Kaplan Estates. The building,<br />
which accommodates 144 residents<br />
in total, is filled to capacity. “It’s a<br />
pleasure to welcome new residents<br />
into the mix and to witness the<br />
spirit of camaraderie among staff<br />
and residents,” said Alvarez.<br />
Polly Trudeau moved to Kaplan<br />
Estates this past spring to recover<br />
from a fall. She credits the staff<br />
with making the transition<br />
seamless. “I’ve never met a group<br />
of people so helpful in my entire<br />
life!” exclaimed Polly. Although<br />
Polly grew up in the Peabody/<br />
Salem area, she was not familiar<br />
with the Chelsea Jewish Lifecare<br />
campus. After her fall, Polly spent a<br />
month at Salem Hospital, which led<br />
to an additional month of Rehab<br />
at Brudnick Center for <strong>Living</strong>.<br />
From there, it was a logical step to<br />
move into an apartment at Kaplan<br />
Estates.<br />
Since Polly still has limited<br />
mobility, she has not been able to<br />
participate in many activities as<br />
of yet but still finds ways to meet<br />
residents and acclimate herself<br />
to her new home. “I walk in the<br />
hallways every few hours, believe<br />
it or not. It’s actually a great way<br />
to meet people!” said Polly with a<br />
laugh. “Everyone has been friendly<br />
and welcoming.” Added Polly, “I<br />
really like that the staff comes in<br />
to check on me frequently and a<br />
marvelous CNA helps me get ready<br />
for bed. It’s comforting to know I<br />
am not alone.”<br />
The staff pulls together to<br />
facilitate the move -in process.<br />
Each department takes the time<br />
before and after move-in to make<br />
sure that the resident’s care plan<br />
and social experience not only<br />
caters to the individual’s core<br />
needs, but also to their personality<br />
and who they are as an individual.<br />
“It’s essential that our residents<br />
and families know that they have<br />
support in getting oriented to<br />
their new environment,” stressed<br />
Alavarez. “The assisted living<br />
assigns an ambassador who<br />
dedicates time to ensure the<br />
resident is assisted in navigating<br />
their new surroundings. We<br />
encourage our residents to meet<br />
new people and try new activities<br />
that they have never done before.<br />
Jill Hemeon, Area Director of<br />
Community Relations at Chelsea<br />
Jewish Lifecare, pointed out<br />
that a key advantage of moving<br />
into a Chelsea Jewish Lifecare<br />
community is the accessibility<br />
to many different levels of care.<br />
“Whether you are looking for<br />
additional daily care needs, an<br />
all-inclusive setting, or just to<br />
socialize a bit, it is always smart<br />
to think about what the future<br />
may hold. Many individuals find<br />
comfort in knowing that our<br />
community is set up so residents<br />
may age in place through our<br />
continuum of care.”<br />
For Marjorie Snow, the respite<br />
program at Kaplan Estates enabled<br />
her to make a full recovery after<br />
surgery. She stayed at Kaplan<br />
Estates for a month to recuperate<br />
after surgery and thoroughly<br />
enjoyed the experience. “The staff<br />
was always so pleasant. I never<br />
felt lonely, which I think is really<br />
important. “Marjorie made a point<br />
to stay active and participate in<br />
activities. She enjoyed lectures,<br />
bingo, trivia games and meals<br />
in the dining room. “The food is<br />
really good. I love the variety of<br />
homemade soups!” Now living in<br />
her home, Marjorie hopes to rejoin<br />
her Kaplan Estates family at some<br />
point. “I had such a good time<br />
during my stay,” said Marjorie.<br />
“Mark my words, I’ll be back!”<br />
“Moving to a senior living<br />
community can be extremely<br />
emotional and physically<br />
challenging,” said Hemeon. “We<br />
want people to know that our team<br />
is here to assist future residents and<br />
their loved ones in making a move<br />
as smooth as possible.” Jill advises<br />
new residents to give themselves<br />
time to settle in. “Our overall goal<br />
is to ensure a better quality of life<br />
for all of our residents.”<br />
Carolyn and Ron Paskavitz<br />
decided to move to the Peabody<br />
campus after touring other<br />
residences with their children.<br />
Carolyn recalled knowing that<br />
Kaplan Estates was the right choice<br />
the minute she walked through the<br />
doors. “I really can’t explain it,”<br />
mused Carolyn. “Everyone was so<br />
warm and welcoming. We could<br />
sense immediately that the staff<br />
really cares about the residents.”<br />
Both Carolyn and Ron enjoy<br />
the sing-a-longs, games, movies<br />
and a full roster of activities.<br />
Shabbat services, in particular,<br />
is a ritual they look forward to<br />
every week. “Although I am not<br />
Jewish,” remarked Carolyn. “I<br />
love attending Shabbat services on<br />
Fridays. It’s a beautiful tradition.”<br />
The couple’s six children and<br />
eight grandchildren are frequent<br />
visitors. They used the Garden<br />
Kitchen to host parties. “It was<br />
wonderful having the whole family<br />
together,” remarked Carolyn.<br />
Today, the couple is excited about<br />
the future. “I originally thought it<br />
would be hard to adjust to assisted<br />
living,” said Carolyn, “but clearly,<br />
I was wrong. I truly feel like we are<br />
home.”<br />
The staff at Kaplan Estates<br />
welcome visitors and is pleased to<br />
schedule tours as well as time with<br />
staff, residents and families. Please<br />
call Jill Hemeon at 857-337-8850<br />
or email jhemeon@legacylifecare.<br />
org.
10 ESSEX MEDIA GROUP SENIOR ACTIVE LIVING FALL <strong>2024</strong><br />
We believe your best years are ahead<br />
(of course, your past years were good too!)<br />
Imagine a world where getting<br />
older meant independence to do all<br />
the things you love without having<br />
to make sacrifices. Where you could<br />
enjoy time with friends and family,<br />
attend events in your community, and<br />
remain active and mobile – all while<br />
easily staying on top of your health.<br />
Well, at Element Care PACE we<br />
believe this is possible... and more.<br />
Life is a balancing act between the<br />
things you want to do and the things<br />
you have to do - like managing your<br />
health. Element Care PACE manages<br />
the balancing act for you by providing<br />
personalized, reliable healthcare to fit<br />
your needs and lifestyle. Our Program<br />
of All-Inclusive Care for the Elderly<br />
(PACE, for short) operates in more<br />
than 40 towns across the North Shore<br />
and Merrimack Valley, giving adults<br />
55+ the healthcare they need while<br />
still being able to live independently<br />
in their homes.<br />
Finding a doctor for your specific<br />
needs and managing appointment<br />
scheduling can be difficult, but at<br />
Element Care PACE we handle it all<br />
for you. The doctors and specialists<br />
at the Element Care PACE centers<br />
provide medical, dental, vision, and<br />
hearing care, as well as behavioral<br />
health, nutrition, and physical and<br />
occupational therapy. Our team makes<br />
it a priority that you feel comfortable<br />
and safe during your visits.<br />
All-inclusive care also means<br />
personalized care. Whether in the<br />
comfort of your living room or the<br />
bustle and excitement of one of our<br />
seven PACE centers, the Element<br />
Care PACE team is here for you.<br />
With locations in Lynn, Gloucester,<br />
Beverly, Lowell and Methuen,<br />
our centers make your medical<br />
appointments into a fun day out.<br />
Enjoy lunch, socialize with friends<br />
and even enjoy a group exercise<br />
class or a game of Bingo. A schedule<br />
of activities is available and safe<br />
transportation is provided to and from<br />
your home. For those who prefer<br />
the familiarity of their own space,<br />
Element Care PACE can provide inhome<br />
support, and personal care.<br />
At Element Care PACE, we want<br />
you to live your life to the fullest<br />
without fear your health needs might<br />
get in the way. Our PACE program<br />
can provide the support to make that<br />
happen. We believe independence and<br />
all-inclusive care are not mutually<br />
exclusive, and health and happiness<br />
go hand-in-hand. And at Element<br />
Care PACE, we believe youth doesn’t<br />
go away with age. So, cheers to your<br />
future years.<br />
If you or a loved one could benefit<br />
from PACE at Element Care, call<br />
today to talk to our knowledgeable<br />
staff and find out if you qualify at<br />
(877) 803-5564 (TTY 711). Or, learn<br />
more online at elementcare.org.<br />
Personalized Healthcare<br />
for Older Adults<br />
Element Care PACE is coordinated care for quality of<br />
life. This unique care model provides complete<br />
medical, social and home care services to adults<br />
55+ across the North Shore and Merrimack Valley.<br />
Call today to see how we could help you stay<br />
independent, in your community.<br />
Medical<br />
Dental<br />
Vision<br />
and more!<br />
No cost for MassHealth and Medicare eligible. Contact us for<br />
Medicare only and private pay options. Participants must receive<br />
all health care, primary and specialist physician services-other<br />
than emergency services-as authorized by PACE or be fully and<br />
personally liable for costs of unauthorized services.<br />
1-877-803-5564 (TTY 711) elementcare.org
SENIOR ACTIVE LIVING FALL <strong>2024</strong> ESSEX MEDIA GROUP 11<br />
Financing the care of loved ones with a disability<br />
StatePoint<br />
According to the U.S. Census<br />
Bureau, over one in four Americans<br />
are living with a disability and<br />
about one-half of these individuals<br />
are living with a severe disability.<br />
Whether present at birth or<br />
caused by a life-altering accident<br />
or illness, severe disabilities almost<br />
always create a significant financial<br />
burden due to curtailed earning<br />
power and ongoing expenses.<br />
That’s where a specialized trust or<br />
savings account may help both the<br />
individual with special needs, and<br />
their families.<br />
To help individuals and families<br />
understand their options, Wells<br />
Fargo is sharing information about<br />
Special Needs Trusts (SNTs) and<br />
Achieving a Better Life Experience<br />
(ABLE) accounts.<br />
What are special needs trusts?<br />
SNTs are irrevocable trusts drafted<br />
by an attorney. They’re used to set<br />
aside money or property to cover<br />
the needs of individuals living with<br />
physical, mental or developmental<br />
disabilities who may not have the<br />
ability or legal capacity to manage<br />
their assets and keep detailed<br />
records.<br />
How are SNTs funded? The two<br />
types of SNTs depend on the source<br />
of funding:<br />
• First-party SNTs are funded<br />
with money the beneficiary owns,<br />
or is awarded as compensation<br />
for medical malpractice, personal<br />
injury or another type of legal<br />
settlement. Typically, they’re<br />
created by the beneficiary’s parents,<br />
grandparent, legal guardian, or<br />
a court, and are for beneficiaries<br />
under 65. When the trust<br />
terminates, Medicaid is entitled<br />
to reimbursement of any funds<br />
expended on the beneficiary.<br />
• Third-party SNTs can be<br />
established at any time by someone<br />
wishing to provide for a minor or<br />
adult with special needs, including<br />
as part of an estate plan. Unlike<br />
fi r s t - p a r t y t r u s t s , t h e y m a y b e<br />
created by anyone, and there is no<br />
age restriction on the beneficiary.<br />
The terms may be modified,<br />
and there is no reimbursement<br />
requirement to government<br />
programs. While advantageous,<br />
their complexity often requires<br />
professional assistance.<br />
What are SNTs’ benefits? An<br />
SNT can help you or a loved one:<br />
1. Meet current cash flow needs<br />
and plan for the future.<br />
2. Preserve eligibility for<br />
governmental benefits. People<br />
living with disabilities may<br />
become ineligible for state and<br />
federal benefits if their income and<br />
resources exceed certain thresholds.<br />
Under federal law and regulations,<br />
an SNT helps ensure a beneficiary<br />
remains eligible for these programs.<br />
3. Enhance quality of life<br />
by providing financial support<br />
for activities and services<br />
inadequately covered by public<br />
benefits programs. In addition<br />
to medical, dental and eye care<br />
expenses, appropriate purchases<br />
may include an accessible vehicle,<br />
medical equipment, computer,<br />
gym membership, therapy animals,<br />
music lessons, supplemental<br />
caregiving services, and even<br />
entertainment and travel. The goal<br />
is to increase the beneficiary’s<br />
ability to enjoy life and participate<br />
in their community.<br />
OUR MISSION<br />
To provide skilled and loving home care to families while at the same<br />
time, helping our caregivers improve their standard of living.<br />
We provide health aides, CNA, in-home<br />
care, private care at facilities, palliative<br />
and end-of-life care.<br />
Care Management Philosophy<br />
To help your loved one enjoy as much of life as possible for as long as<br />
possible in their own home or a facility. We try to bring as many<br />
moments of joy to our clients as we can!<br />
CALL TODAY<br />
for a free Healthcare<br />
Needs Assessment.<br />
781-631-4000<br />
Info@neighborgoodcare.org<br />
https://neighborgoodcare.org<br />
Our certified caregivers provide compassionate personal care, safety,<br />
companionship and moments of joy to each client. Our home care<br />
includes medical advocacy, care plan management, day and overnight<br />
care, coordination of medical appointments, meal preparation and<br />
activities.<br />
Services include:<br />
In-home care<br />
Private healthcare in a facility<br />
“Rides to the Dr.” - wheelchair van<br />
“Appointment Buddies”<br />
Respite - temporary day or night care<br />
Hospice care - for terminally ill or senior care<br />
End-of-life doula - to prepare for the death of a loved one
A GUID E T O N A VIGA TING M E MOR Y L O S S<br />
A FIN ANCIAL GUID E T O SE NIOR<br />
LIV ING<br />
12 ESSEX MEDIA GROUP SENIOR ACTIVE LIVING FALL <strong>2024</strong><br />
Experience the Difference<br />
of Exceptional <strong>Senior</strong> Care<br />
AT C H A RT E R SE N IOR L I V I NG<br />
OF DA N V E R S<br />
Joining the Charter <strong>Senior</strong> <strong>Living</strong> family means<br />
more support, more resources and ultimate<br />
peace of mind for seniors and their families. Get<br />
to know the Charter difference today by<br />
scheduling a tour or requesting a free senior<br />
living resource.<br />
Knowledge<br />
IS COMFORT.<br />
A Family Caregiver’s Guide to <strong>Senior</strong> <strong>Living</strong><br />
Understand THE DIFFERENCE.<br />
Knowledge Is Comfort:<br />
A Family Caregiver’s<br />
Guide to <strong>Senior</strong> <strong>Living</strong><br />
S EEKIN G S UPP O RT:<br />
Feel<br />
THE DIFFERENCE.<br />
Seeking Support: A<br />
Guide to Navigating<br />
Memory Loss<br />
EMP OWERING Y OUR RETIREMEN T:<br />
Empowering Your<br />
Retirement: A Financial<br />
Guide to <strong>Senior</strong> <strong>Living</strong><br />
Brush up: A key habit<br />
for dental health<br />
StatePoint<br />
Regular dental visits are<br />
important for a healthy smile, but<br />
you can take these steps between<br />
checkups to ensure your dentist<br />
sees your oral health at its best.<br />
1. Brush up on your dental<br />
routine. “A consistent routine of<br />
brushing and cleaning between<br />
your teeth is essential,” said<br />
American Dental Association<br />
(ADA) dentist, Mirissa Price,<br />
D.M.D. “My patients often ask<br />
me, do I really need to floss if I’m<br />
brushing regularly? The answer is<br />
always yes.”<br />
The ADA recommends brushing<br />
twice daily with a soft brush and<br />
fl u o r i d e t o o t h p a s t e t o r e m o v e<br />
cavity-causing plaque and help<br />
prevent harmful conditions like<br />
JOYCE CUCCHIARA<br />
DESIGNATED SENIOR REAL ESTATE ADVISOR<br />
Scan to read<br />
more about<br />
Joyce Cucchiara<br />
gum disease. A worn toothbrush<br />
won’t clean as effectively, so<br />
replace the brush every three<br />
or four months, or sooner if the<br />
bristles are frayed.<br />
Yet, even the best toothbrush<br />
can’t fully reach all the spaces<br />
where plaque forms. That’s why the<br />
ADA also recommends cleaning<br />
between your teeth daily using<br />
dental floss, dental picks or water<br />
fl o s s e r s . “ I f y o u fl o s s t h o r o u g h l y,<br />
it doesn’t matter when you do it,”<br />
added Dr. Price. “It might feel<br />
strange at first, but your gums will<br />
get used to the routine quickly if<br />
you make this a daily habit.”<br />
Make sure your toothbrush,<br />
toothpaste and floss each have the<br />
ADA Seal of Acceptance. That’s<br />
how you know a dental product is<br />
safe and effective.<br />
Selling your home can be an<br />
overwhelming experience.<br />
I can help guide you<br />
through the process<br />
with my years of experience,<br />
skills and knowledge<br />
of the market.<br />
You should EXPECT the BEST!<br />
Call me for your<br />
complimentary market analysis.<br />
Request your preferred guidebooks today<br />
and embark on this journey with us.<br />
Call 978.261.3530 today!<br />
220 Conant Street | Danvers, MA 01923 | www.charterofdanvers.com<br />
Assisted <strong>Living</strong> | Memory Care | Short-Term Stays<br />
• International President's Circle<br />
Designation - Top 1% of CBR Agents<br />
• # 1 solo agent in Lynnfield office 2023<br />
• Featured in NS Real Estate Top Producer<br />
Magazine<br />
(978) 808-1597<br />
joyce.cucchiara@nemoves.com<br />
JCsellsrealestate.com<br />
Representing the Top 1%<br />
Coldwell Banker Agents Worldwide 2023
SENIOR ACTIVE LIVING FALL <strong>2024</strong> ESSEX MEDIA GROUP 13<br />
Check out these recommendations for the perfect fall getaway<br />
StatePoint<br />
Anyone who loves fall weather<br />
should make plans to come to<br />
Kentucky. When October and<br />
November roll around in the<br />
Bluegrass State, native Kentuckians<br />
and visitors alike have their eyes<br />
on the tree line, waiting for the first<br />
hints of autumn colors. And while<br />
the anticipation might seem almost<br />
too much to bear, the breathtaking<br />
sight of fall foliage in Kentucky is so<br />
worth the wait.<br />
If the leaves are turning, no matter<br />
where a traveler happens to be in the<br />
Commonwealth, they are in for a<br />
veritable fireworks show of vibrant<br />
fall colors. There are so many ways<br />
to get an amazing view of the foliage,<br />
from nature trails for those who like<br />
hiking to country roads for those who<br />
enjoy nature from the inside of the<br />
car.<br />
The Old Frankfort Pike is a<br />
National Scenic Byway that runs<br />
through Woodford County in central<br />
Kentucky and passes by some of<br />
the most charming and beautiful<br />
landscapes in the entire country. The<br />
pike is 15 miles long, including a<br />
two-mile stretch of road that features<br />
centuries-old limestone fences,<br />
pastures, barns and a tunnel-like oak<br />
tree canopy on either side of the road.<br />
Those lucky enough to drive it during<br />
the fall experience a view that’s truly<br />
special.<br />
Sixty miles southeast of Lexington<br />
is a nature lover’s paradise, the<br />
Daniel Boone National Forest.<br />
Driving any one of the state routes<br />
that passes through the preserve<br />
would satisfy most leaf peepers.<br />
However, for those who insist on<br />
getting out of the car and into the<br />
woods, hiking the trails in and around<br />
Slade will provide all the leaf colors<br />
desired, not to mention jaw-dropping<br />
views of Red River Gorge, Natural<br />
Bridge and Chimney Top Trail.<br />
To find colors and educational<br />
opportunities, head to the Bernheim<br />
Forest and Arboretum, located<br />
just outside Clermont. Not only<br />
does it contain 16,137 acres worth<br />
of arboretum, forest and nature<br />
preserve, but it has nature and<br />
science programming, dozens of folk<br />
art installations and playgrounds for<br />
children of all ages.<br />
THINKING OF SELLING AND NOT SURE WHERE TO BEGIN?<br />
I am a <strong>Senior</strong> Residential Specialist with over<br />
40 years of experience. I can help guide you<br />
through this sometimes complex and emotional<br />
process. My resources and experience can help<br />
you maximize your largest asset.<br />
C A L L J A N I C E S U L L I V A N T O D A Y<br />
9 7 8 - 8 5 7 - 5 4 7 3<br />
J A N I C E S U L L I V A N R E A L T O R @ G M A I L . C O M<br />
THE SULLIVAN REATLY GROUP<br />
LAER REALTY PARTNERS<br />
162 Park Street, 3rd Floor<br />
North Reading, MA 01864
14 ESSEX MEDIA GROUP SENIOR ACTIVE LIVING FALL <strong>2024</strong><br />
Atlantic Hearing Care<br />
expands access to hearing aids<br />
As we move into <strong>Fall</strong>, many<br />
of us shift our thoughts to cooler<br />
weather, days spent at home with<br />
our loved ones, and the approaching<br />
holiday season. It is often a time of<br />
year for reflection, comradery, and<br />
thankfulness. The team at Atlantic<br />
Hearing Care shares these same<br />
sentiments. This <strong>Fall</strong> we are taking<br />
time to reflect on our mission of<br />
helping to keep people connected<br />
through better hearing.<br />
We know that our sense of<br />
hearing is vital in keeping us<br />
connected to our friends and family.<br />
Conversations with a neighbor, the<br />
recollection of days past with old<br />
friends, listening to grandchildren<br />
talk about their day at school, a<br />
phone call with a cherished family<br />
member who lives across the<br />
country – hearing helps us stay<br />
connected to all of these experiences<br />
and more.<br />
It is known that the vast majority<br />
of people who experience hearing<br />
loss will need hearing aids to<br />
help treat their hearing loss.<br />
Unfortunately, medical insurance<br />
often does not cover hearing aids,<br />
and as such, leaves them out of<br />
reach for many individuals. Atlantic<br />
Hearing Care believes everyone<br />
deserves to hear their best, nobody<br />
should feel that hearing aids are<br />
unobtainable to them. We are able<br />
to support this mission through<br />
our partnership with our nonprofit<br />
affiliate, The North Shore<br />
Hearing Foundation (NSHF). The<br />
North Shore Hearing Foundation<br />
provides hearing aids to those in<br />
our community who qualify based<br />
on income eligibility. Our team<br />
is motivated to find a solution for<br />
anyone who is hoping to treat their<br />
hearing loss! To find out more<br />
information or to schedule an<br />
appointment, call our office at 781-<br />
581-1500.
SENIOR ACTIVE LIVING FALL <strong>2024</strong> ESSEX MEDIA GROUP 15<br />
Over 20 Years of Experience<br />
The HouseWorks family of companies<br />
are a leading provider of private home<br />
care services committed to delivering<br />
the highest standard of in-home care<br />
to seniors throughout New England.<br />
We provide services wherever seniors<br />
call home.<br />
Our Care Teams Can Assist With:<br />
Personal Care<br />
Meal Preparation<br />
Homemaking<br />
Medication Reminders<br />
Companionship<br />
Transportation to Appointments<br />
End-of-Life Care<br />
24/7 Care<br />
Contact Us Today!<br />
Speak with one of our Client Care Coordinators to learn more about our services<br />
(617) 928-1010<br />
house-works.com | associatedhomecare.com | extended-family.net
16 ESSEX MEDIA GROUP SENIOR ACTIVE LIVING FALL <strong>2024</strong><br />
CHOOSE US FOR YOUR NEXT MOVE!<br />
EXPERIENCE:<br />
We have been specializing in downsizing moves for over 10 years.<br />
STRATEGIC<br />
NETWORK:<br />
SUPPORT:<br />
SUCCESS:<br />
We partner with vendors such as Organizers, Movers and<br />
Estate Sale Experts who also specialize in senior moves.<br />
Our experienced support staff allows our agents<br />
to spend more time focusing on YOU.<br />
Our homes sell an average of 10.5% over asking price.<br />
(State average 2.2%. *Source: MLS)<br />
RECENT TRANSACTIONS<br />
OVER<br />
800<br />
HAPPY<br />
CLIENTS<br />
ON MARKET<br />
ON MARKET<br />
COMING SOON<br />
COMING SOON<br />
21 TOPHET road, lynnfield<br />
17 Driftwood Lane, Lynnfield<br />
22 ALEXANDRA road, lynnfield<br />
33 PYBURN ROAD, lynnfield<br />
SOLD OVER ASK<br />
$75,000<br />
SOLD OVER ASK<br />
$255,000<br />
SOLD<br />
rep buyer<br />
SOLD<br />
rep buyer<br />
17 duncklee avenue, stoneham<br />
10 partridge lane, wakefield<br />
17 SAUNDERS Road, Lynnfield<br />
82 Coppermine road, topsfield<br />
CONTACT:<br />
781.580.9357<br />
MARJORIEY@KW.COM<br />
MARJORIESELLS.COM<br />
Christina Castaldo, Jes Doherty,<br />
Maureen Preczewski, Marjorie Youngren,<br />
Jill Stelman, Carla Comenos, Michelle Chiulli