COA September 2006 "Evergreen" newsletter
APPEAL FOR COUNCIL ON AGING BOARD MEMBERS
THREE NEW MEMBERS are needed for various terms.
The Westport Council on Aging Board of Directors was established as a seven-member Board, with each member expected to serve on at least one working committee. Due to retirements and scheduling changes, we have recently lost three of our loyal Board members, with resultant changes in the Executive Committee. In the past two months, we have received the resignations of Phyllis Currier, our Secretary, who was appointed on 7/26/99; Joanne R. Devlin, our Vice-Chair, who was appointed on 7/01/96; and William E. Gifford, Jr., our Treasurer, who was appointed on 7/01/03. Our long-time Board Chair since 7/12/96, Lois E. Spirlet, appointed on 8/16/93, has stepped down to Vice-Chair. We applaud their efforts and are very grateful for all their assistance. The COA is indebted to you all – you have shown exemplary volunteerism. THANK YOU! Current WCOA Board members include:
Cynthia J. Bolduc – Chair
Lois E. Spirlet - Vice-Chair
....................... Secretary
Bruce Belling - Treasurer
Selena Howard - Liaison to FWCOA Board
Cynthia J. Bolduc – Chair
Lois E. Spirlet - Vice-Chair
....................... Secretary
Bruce Belling - Treasurer
Selena Howard - Liaison to FWCOA Board
Now we must appeal to the community for like-minded citizens to help bring the COA Board back to full membership. This will ensure the Council on Aging will continue to fulfill its mission to assist Westport elders to stay living independently in the community. We seek Board members who are aware of the multiplicity of issues facing the elders in Westport, and are willing to help the Council on Aging and its Director to cooperatively plan and implement ways to best address those issues. The COA Board meets once a month, currently on the second Monday at 8:00 a.m., for approximately two hours. There is also committee work in addition. If you are willing to assist this agency in its important work, please send a letter of interest to the Board of Selectmen, and notify the COA at 508-636-1026.
INFORMATION AND REFERRAL are two of the main functions of the Westport Council on Aging. Westport residents, 60 years of age and over, may receive a variety of helpful services for which they may be unaware. If you are not sure who to call, or not sure even what you want to ask, give us a try! We will do our best to be of service. The Council on Aging is open Monday through Friday from 8:30 a.m. until 4:00 p.m., 508-636-1026.
SERVING HEALTH INFORMATION NEEDS OF ELDERS (S.H.I.N.E.)--If you are looking for information about Medicare, supplements, MassHealth, etc., call the SHINE counselor. Phone consultations and one-on-one appointments can be arranged for Westport residents by calling the W.C.O.A. at 508-636-1026.
COMPUTER WORKSHOP—Register for fall classes. Dates and times will be determined at a later date.
60+ SENIOR CITIZENS I.D. CARDS—ID photos are taken by appointment at the WCOA office. Photos are recognized by area merchants and SRTA transportation for discounts. You must be 60 years of age or older, and present proof of age and residency. Cost is $5.00.
W.C.O.A. CANCELLATION POLICY
Westport COA will cancel all activities and programs at the Senior Center, as well as transportation, if the Westport Community Schools are closed due to bad weather or other local emergency. The Senior Center is open year round to serve Westport’s elder population.
TRANSPORTATION is provided to Westport’s elders, as well as handicapped persons of all ages. Services are available Monday through Friday to area appointments which are scheduled between 10:00 a.m. and 2:00 p.m. Advance notice of at least a week is recommended, and more notice if you have already scheduled an appointment with a doctor, hospital, or other facility. Transportation fees are $3.00 for a one-way trip, and $5.00 for a round-trip. There may be grant funds available for specific situations. Please ask for the dispatcher when calling the COA. Priority for transportation is given to medical appointments, but we do help with grocery shopping or hair dresser appointments—just ask!
CAREGIVER SUPPORT GROUP
Thursday, September 7
1:00 to 2:00 p.m.
Caring for a loved one with changing abilities can be very stressful. Join us each month as we share information on understanding and coping with behavioral problems and learn about accessing local resources for caregivers.
VISUAL IMPAIRMENT SUPPORT GROUP
Tuesday, September 12
10:30 to 11:30 a.m.
Your participation and input are important to us!
If you need transportation, please call the WCOA.
VIDEO MAGNIFIER--To help read documents easier, the COA has a magnifying machine in our library.
BOOKS ON TAPE--A wide selection of Books on Tape is available in the COA library and from our Outreach Worker.
MEDICAL EQUIPMENT LOANS
Many individuals and families who no longer need their collapsible walkers, wheelchairs, canes, etc., donate them to the COA. If you need any of these items, call us at 508-636-1026.
Prescription Advantage (PA) Can Help Lower Your Prescription Drug Costs
Don’t miss this opportunity to reduce your prescription drug costs. PA, the state’s pharmacy assistance program, is a secondary payer to Medicare Part D and can help to reduce your costs by:
· providing benefits during coverage gaps such as deductibles or the “donut hole,”
· lowering your co-payment amounts, and
· providing you with an annual out-of-pocket spending limit.
If you already have a Part D plan, or you plan to join one this fall, you should look at how PA can lower your prescription drug costs even more. There is no monthly premium for Prescription Advantage and those with limited income may also receive help paying for Medicare Part D plan premiums.
For seniors who do not have Medicare Part D, but have prescription drug coverage through an employer or union, PA also provides secondary benefits.
PA will be holding an Open Enrollment from September 15 to November 15. Enrollment forms can be obtained at Westport COA.
Carbon Monoxide:
Massachusetts Law & Protecting You
New law changes in March 2006 have increased awareness about the danger of carbon monoxide--a colorless, odorless gas that has almost the same density as air, but can overwhelm the lungs,
cut off oxygen to the body, and cause sickness or death. According to Massachusetts General Law, every home must have appropriately placed detectors throughout the dwelling.
The Law requires a detector
· On each level of a dwelling.
· In habitable* portions of basements, cellars and attics, but not crawl spaces.
· On any level of a dwelling with a sleeping area –no further than 10 feet from the bedroom door.
· Be installed in all homes for sale or being built.
* A habitable space is a room or space where it would be possible for someone to sit or sleep.
Any store that carries smoke detectors will stock carbon monoxide detectors. You can also contact your security company to order units to fit your exact specification, if necessary. Talk to the fire department regarding specific policies and procedures.
For information about this MA Law, log onto www.mass.gov/dfs. --Security Team
IMPORTANT REMINDER FOR MEDICARE BENEFICIARIES WITH LIMITED INCOMES
Most Medicare beneficiaries who did not enroll in Medicare Part D by the May 15 deadline will need to wait until the next annual enrollment period, November 15 through December 31. But if you are eligible for the Extra Help that is available under the Medicare Prescription Drug Program, you can join a Medicare drug plan at any time without paying a penalty in 2006. The Extra Help can pay for part of the monthly premium, annual deductibles, and prescription co-payments under the new prescription drug program, and it could be worth an average of $3,700 per year.
Basically, you may qualify for Extra Help if your income is below $14,700 a year as a single person, or below $19,800 a year if you are married and living with your spouse. Your total resources must be less than $10,000 if single, or $20,000 if married and living with your spouse. Resources include such things as bank accounts, stocks and bonds, but do not include your house and car. And resources can be slightly higher (an additional $1,500 per person) if you will use some of your money for burial expenses.
Also, if you first became eligible for Medicare in February 2006 or after, you can enroll in a drug plan during your initial enrollment period of seven months—three months before and three months after the month you became eligible for Medicare.
If you think you might qualify for Extra Help, you can complete an online application at www.socialsecurity.gov, or call
1-800-772-1213 (TTY 1-800-325-0778),
and a representative will assist you in filing
an application over the phone. For more information about the prescription drug program itself, you can go to www.medicare.gov.
--Don Vinniti, SSAField Representative, Fall River
A NEW SEASON
...TWO NEW WATERCOLOR CLASSES
Our instructors are eager to start a new six (6) week class beginning in September.
The watercolor painting program is designed to introduce the beginner and more advanced painter to the fundamentals of painting in watercolor. Using demonstrations of different techniques, students will paint from still life as well as any subject of their choice, learning to set up their materials, plan compositions and design, use color creatively, and learn to create their own expression of the subject and experience pleasure of using their own creative energy with instruction and guidance.
Please sign up for one of these classes by calling the Council on Aging, 508-636-1026, as soon as possible--space is limited.
Classes are open to people who are at least 60 years of age, and preference is given to Westport residents when there are more registrants than space availability. You will need to pick up a basic supplies list before the start of the sessions.
Wednesdays
9:00 – 11:30 a.m.
September 13 - October 18
Watercolor painting instruction with Ruth Edwards
OR
Thursdays
9:00 – 11:30 a.m.
September 14 - October 19
Watercolor painting instruction with Barbara Farnell
Reverse Mortgages
“Danger Signals”
With Reverse Mortgages growing in popularity, misuse of these loans also grows. Look out for these “danger signals”.
1. The lender is not licensed or does not have a plan approved by the Mass. Division of Banks.
2. You are getting counseling only from the lender.
3. Counseling is done just before or at the closing.
4. You are being discouraged from talking with family and friends about the loan.
5. You are being pressured to use equity in your home to buy something with the proceeds.
6. You are asked for a large deposit upon applying which will speed up processing.
7. You are pressured to make a quick decision.
8. You are offered a discount to sign by a certain date.
9. Insurance premiums and other costs are not explained clearly.
10.Your children, relatives, or
others are pressuring you to get a
loan so they can use the money.
Even if they promise to pay you
back, the loan puts your future
security at risk.
For more information, call H.O.M.E. (Homeowner Options for MA Elders) at 1-800-583-5337.
Veterans Identity Theft
Q: As an older veteran, what should I do about the stolen VA records and potential identity theft?
A: The VA says, at this point, there is no evidence any missing data has been used illegally. However, the VA is asking all veterans to be extra vigilant and to carefully monitor bank statements, credit card statements, and any statements relating to recent financial transactions, and to report any suspicious or unusual activity. You do not have to close your bank account or cancel your credit cards. You should, however, review your credit report. By law, you are entitled to one free credit report each year. You can request a free credit report from one of the three major credit bureaus – Equifax, Experian, TransUnion by calling 1-877-322-8228.
You should look out for the following unusual activities: inquiries from companies you have not contacted or done business with; purchases or charges on your accounts you did not make; new accounts you did not open or changes to existing accounts you did not make; bills that do not arrive as expected; unexpected credit cards or account statements; denials or credit for no apparent reason; calls or letters about purchases you did not make.
FRIENDS OF THE WESTPORT
COUNCIL ON AGING, INC.
Supporting the Senior Center
P. O. Box N-192
Westport, MA 02790
The Westport Senior Center sign has been refurbished by using your donations to the FWCOA.
Refurbishing Flooring in the Center is another goal for this fall. Hopefully a contractor will be found to replace the problem floors.
Lees Supermarket Receipts are always welcome. This is another fundraising tool to help the Senior Center.
Social Day Matching Fund to enable eligible Westport seniors to take advantage of the wonderful Senior Social Day Program at the Senior Center is another support service of the FWCOA. The staff at Senior Social Day gives support to clients and caregivers.
BRISTOL ELDER SERVICES NUTRITION PROGRAM
The dining room at the Senior Center is staffed by BES personnel who serve the 11:30 a.m. lunches and pack the Meals-On-Wheels trays for deliveries. Evelyn “Lyn” Orr has been the Site Manager in Westport for nearly ten years. She will be stepping down from that post in September, but continuing as a meal site worker. Lyn has been the most thoughtful, helpful site manager any Center could ask for. Thanks Lyn!
The new site manager from BES, Joseph Rego, will be starting in September. We welcome Mr. Rego, and trust he will enjoy his new position in Westport.
INFORMATION AND REFERRAL are two of the main functions of the Westport Council on Aging. Westport residents, 60 years of age and over, may receive a variety of helpful services for which they may be unaware. If you are not sure who to call, or not sure even what you want to ask, give us a try! We will do our best to be of service. The Council on Aging is open Monday through Friday from 8:30 a.m. until 4:00 p.m., 508-636-1026.
SERVING HEALTH INFORMATION NEEDS OF ELDERS (S.H.I.N.E.)--If you are looking for information about Medicare, supplements, MassHealth, etc., call the SHINE counselor. Phone consultations and one-on-one appointments can be arranged for Westport residents by calling the W.C.O.A. at 508-636-1026.
COMPUTER WORKSHOP—Register for fall classes. Dates and times will be determined at a later date.
60+ SENIOR CITIZENS I.D. CARDS—ID photos are taken by appointment at the WCOA office. Photos are recognized by area merchants and SRTA transportation for discounts. You must be 60 years of age or older, and present proof of age and residency. Cost is $5.00.
W.C.O.A. CANCELLATION POLICY
Westport COA will cancel all activities and programs at the Senior Center, as well as transportation, if the Westport Community Schools are closed due to bad weather or other local emergency. The Senior Center is open year round to serve Westport’s elder population.
TRANSPORTATION is provided to Westport’s elders, as well as handicapped persons of all ages. Services are available Monday through Friday to area appointments which are scheduled between 10:00 a.m. and 2:00 p.m. Advance notice of at least a week is recommended, and more notice if you have already scheduled an appointment with a doctor, hospital, or other facility. Transportation fees are $3.00 for a one-way trip, and $5.00 for a round-trip. There may be grant funds available for specific situations. Please ask for the dispatcher when calling the COA. Priority for transportation is given to medical appointments, but we do help with grocery shopping or hair dresser appointments—just ask!
CAREGIVER SUPPORT GROUP
Thursday, September 7
1:00 to 2:00 p.m.
Caring for a loved one with changing abilities can be very stressful. Join us each month as we share information on understanding and coping with behavioral problems and learn about accessing local resources for caregivers.
VISUAL IMPAIRMENT SUPPORT GROUP
Tuesday, September 12
10:30 to 11:30 a.m.
Your participation and input are important to us!
If you need transportation, please call the WCOA.
VIDEO MAGNIFIER--To help read documents easier, the COA has a magnifying machine in our library.
BOOKS ON TAPE--A wide selection of Books on Tape is available in the COA library and from our Outreach Worker.
MEDICAL EQUIPMENT LOANS
Many individuals and families who no longer need their collapsible walkers, wheelchairs, canes, etc., donate them to the COA. If you need any of these items, call us at 508-636-1026.
Prescription Advantage (PA) Can Help Lower Your Prescription Drug Costs
Don’t miss this opportunity to reduce your prescription drug costs. PA, the state’s pharmacy assistance program, is a secondary payer to Medicare Part D and can help to reduce your costs by:
· providing benefits during coverage gaps such as deductibles or the “donut hole,”
· lowering your co-payment amounts, and
· providing you with an annual out-of-pocket spending limit.
If you already have a Part D plan, or you plan to join one this fall, you should look at how PA can lower your prescription drug costs even more. There is no monthly premium for Prescription Advantage and those with limited income may also receive help paying for Medicare Part D plan premiums.
For seniors who do not have Medicare Part D, but have prescription drug coverage through an employer or union, PA also provides secondary benefits.
PA will be holding an Open Enrollment from September 15 to November 15. Enrollment forms can be obtained at Westport COA.
Carbon Monoxide:
Massachusetts Law & Protecting You
New law changes in March 2006 have increased awareness about the danger of carbon monoxide--a colorless, odorless gas that has almost the same density as air, but can overwhelm the lungs,
cut off oxygen to the body, and cause sickness or death. According to Massachusetts General Law, every home must have appropriately placed detectors throughout the dwelling.
The Law requires a detector
· On each level of a dwelling.
· In habitable* portions of basements, cellars and attics, but not crawl spaces.
· On any level of a dwelling with a sleeping area –no further than 10 feet from the bedroom door.
· Be installed in all homes for sale or being built.
* A habitable space is a room or space where it would be possible for someone to sit or sleep.
Any store that carries smoke detectors will stock carbon monoxide detectors. You can also contact your security company to order units to fit your exact specification, if necessary. Talk to the fire department regarding specific policies and procedures.
For information about this MA Law, log onto www.mass.gov/dfs. --Security Team
IMPORTANT REMINDER FOR MEDICARE BENEFICIARIES WITH LIMITED INCOMES
Most Medicare beneficiaries who did not enroll in Medicare Part D by the May 15 deadline will need to wait until the next annual enrollment period, November 15 through December 31. But if you are eligible for the Extra Help that is available under the Medicare Prescription Drug Program, you can join a Medicare drug plan at any time without paying a penalty in 2006. The Extra Help can pay for part of the monthly premium, annual deductibles, and prescription co-payments under the new prescription drug program, and it could be worth an average of $3,700 per year.
Basically, you may qualify for Extra Help if your income is below $14,700 a year as a single person, or below $19,800 a year if you are married and living with your spouse. Your total resources must be less than $10,000 if single, or $20,000 if married and living with your spouse. Resources include such things as bank accounts, stocks and bonds, but do not include your house and car. And resources can be slightly higher (an additional $1,500 per person) if you will use some of your money for burial expenses.
Also, if you first became eligible for Medicare in February 2006 or after, you can enroll in a drug plan during your initial enrollment period of seven months—three months before and three months after the month you became eligible for Medicare.
If you think you might qualify for Extra Help, you can complete an online application at www.socialsecurity.gov, or call
1-800-772-1213 (TTY 1-800-325-0778),
and a representative will assist you in filing
an application over the phone. For more information about the prescription drug program itself, you can go to www.medicare.gov.
--Don Vinniti, SSAField Representative, Fall River
A NEW SEASON
...TWO NEW WATERCOLOR CLASSES
Our instructors are eager to start a new six (6) week class beginning in September.
The watercolor painting program is designed to introduce the beginner and more advanced painter to the fundamentals of painting in watercolor. Using demonstrations of different techniques, students will paint from still life as well as any subject of their choice, learning to set up their materials, plan compositions and design, use color creatively, and learn to create their own expression of the subject and experience pleasure of using their own creative energy with instruction and guidance.
Please sign up for one of these classes by calling the Council on Aging, 508-636-1026, as soon as possible--space is limited.
Classes are open to people who are at least 60 years of age, and preference is given to Westport residents when there are more registrants than space availability. You will need to pick up a basic supplies list before the start of the sessions.
Wednesdays
9:00 – 11:30 a.m.
September 13 - October 18
Watercolor painting instruction with Ruth Edwards
OR
Thursdays
9:00 – 11:30 a.m.
September 14 - October 19
Watercolor painting instruction with Barbara Farnell
Reverse Mortgages
“Danger Signals”
With Reverse Mortgages growing in popularity, misuse of these loans also grows. Look out for these “danger signals”.
1. The lender is not licensed or does not have a plan approved by the Mass. Division of Banks.
2. You are getting counseling only from the lender.
3. Counseling is done just before or at the closing.
4. You are being discouraged from talking with family and friends about the loan.
5. You are being pressured to use equity in your home to buy something with the proceeds.
6. You are asked for a large deposit upon applying which will speed up processing.
7. You are pressured to make a quick decision.
8. You are offered a discount to sign by a certain date.
9. Insurance premiums and other costs are not explained clearly.
10.Your children, relatives, or
others are pressuring you to get a
loan so they can use the money.
Even if they promise to pay you
back, the loan puts your future
security at risk.
For more information, call H.O.M.E. (Homeowner Options for MA Elders) at 1-800-583-5337.
Veterans Identity Theft
Q: As an older veteran, what should I do about the stolen VA records and potential identity theft?
A: The VA says, at this point, there is no evidence any missing data has been used illegally. However, the VA is asking all veterans to be extra vigilant and to carefully monitor bank statements, credit card statements, and any statements relating to recent financial transactions, and to report any suspicious or unusual activity. You do not have to close your bank account or cancel your credit cards. You should, however, review your credit report. By law, you are entitled to one free credit report each year. You can request a free credit report from one of the three major credit bureaus – Equifax, Experian, TransUnion by calling 1-877-322-8228.
You should look out for the following unusual activities: inquiries from companies you have not contacted or done business with; purchases or charges on your accounts you did not make; new accounts you did not open or changes to existing accounts you did not make; bills that do not arrive as expected; unexpected credit cards or account statements; denials or credit for no apparent reason; calls or letters about purchases you did not make.
FRIENDS OF THE WESTPORT
COUNCIL ON AGING, INC.
Supporting the Senior Center
P. O. Box N-192
Westport, MA 02790
The Westport Senior Center sign has been refurbished by using your donations to the FWCOA.
Refurbishing Flooring in the Center is another goal for this fall. Hopefully a contractor will be found to replace the problem floors.
Lees Supermarket Receipts are always welcome. This is another fundraising tool to help the Senior Center.
Social Day Matching Fund to enable eligible Westport seniors to take advantage of the wonderful Senior Social Day Program at the Senior Center is another support service of the FWCOA. The staff at Senior Social Day gives support to clients and caregivers.
BRISTOL ELDER SERVICES NUTRITION PROGRAM
The dining room at the Senior Center is staffed by BES personnel who serve the 11:30 a.m. lunches and pack the Meals-On-Wheels trays for deliveries. Evelyn “Lyn” Orr has been the Site Manager in Westport for nearly ten years. She will be stepping down from that post in September, but continuing as a meal site worker. Lyn has been the most thoughtful, helpful site manager any Center could ask for. Thanks Lyn!
The new site manager from BES, Joseph Rego, will be starting in September. We welcome Mr. Rego, and trust he will enjoy his new position in Westport.
SERVING HEALTH INFORMATION NEEDS OF ELDERS (S.H.I.N.E.)--If you are looking for information about Medicare, supplements, MassHealth, etc., call the SHINE counselor. Phone consultations and one-on-one appointments can be arranged for Westport residents by calling the W.C.O.A. at 508-636-1026.
COMPUTER WORKSHOP—Register for fall classes. Dates and times will be determined at a later date.
60+ SENIOR CITIZENS I.D. CARDS—ID photos are taken by appointment at the WCOA office. Photos are recognized by area merchants and SRTA transportation for discounts. You must be 60 years of age or older, and present proof of age and residency. Cost is $5.00.
W.C.O.A. CANCELLATION POLICY
Westport COA will cancel all activities and programs at the Senior Center, as well as transportation, if the Westport Community Schools are closed due to bad weather or other local emergency. The Senior Center is open year round to serve Westport’s elder population.
TRANSPORTATION is provided to Westport’s elders, as well as handicapped persons of all ages. Services are available Monday through Friday to area appointments which are scheduled between 10:00 a.m. and 2:00 p.m. Advance notice of at least a week is recommended, and more notice if you have already scheduled an appointment with a doctor, hospital, or other facility. Transportation fees are $3.00 for a one-way trip, and $5.00 for a round-trip. There may be grant funds available for specific situations. Please ask for the dispatcher when calling the COA. Priority for transportation is given to medical appointments, but we do help with grocery shopping or hair dresser appointments—just ask!
CAREGIVER SUPPORT GROUP
Thursday, September 7
1:00 to 2:00 p.m.
Caring for a loved one with changing abilities can be very stressful. Join us each month as we share information on understanding and coping with behavioral problems and learn about accessing local resources for caregivers.
VISUAL IMPAIRMENT SUPPORT GROUP
Tuesday, September 12
10:30 to 11:30 a.m.
Your participation and input are important to us!
If you need transportation, please call the WCOA.
VIDEO MAGNIFIER--To help read documents easier, the COA has a magnifying machine in our library.
BOOKS ON TAPE--A wide selection of Books on Tape is available in the COA library and from our Outreach Worker.
MEDICAL EQUIPMENT LOANS
Many individuals and families who no longer need their collapsible walkers, wheelchairs, canes, etc., donate them to the COA. If you need any of these items, call us at 508-636-1026.
Prescription Advantage (PA) Can Help Lower Your Prescription Drug Costs
Don’t miss this opportunity to reduce your prescription drug costs. PA, the state’s pharmacy assistance program, is a secondary payer to Medicare Part D and can help to reduce your costs by:
· providing benefits during coverage gaps such as deductibles or the “donut hole,”
· lowering your co-payment amounts, and
· providing you with an annual out-of-pocket spending limit.
If you already have a Part D plan, or you plan to join one this fall, you should look at how PA can lower your prescription drug costs even more. There is no monthly premium for Prescription Advantage and those with limited income may also receive help paying for Medicare Part D plan premiums.
For seniors who do not have Medicare Part D, but have prescription drug coverage through an employer or union, PA also provides secondary benefits.
PA will be holding an Open Enrollment from September 15 to November 15. Enrollment forms can be obtained at Westport COA.
Carbon Monoxide:
Massachusetts Law & Protecting You
New law changes in March 2006 have increased awareness about the danger of carbon monoxide--a colorless, odorless gas that has almost the same density as air, but can overwhelm the lungs,
cut off oxygen to the body, and cause sickness or death. According to Massachusetts General Law, every home must have appropriately placed detectors throughout the dwelling.
The Law requires a detector
· On each level of a dwelling.
· In habitable* portions of basements, cellars and attics, but not crawl spaces.
· On any level of a dwelling with a sleeping area –no further than 10 feet from the bedroom door.
· Be installed in all homes for sale or being built.
* A habitable space is a room or space where it would be possible for someone to sit or sleep.
Any store that carries smoke detectors will stock carbon monoxide detectors. You can also contact your security company to order units to fit your exact specification, if necessary. Talk to the fire department regarding specific policies and procedures.
For information about this MA Law, log onto www.mass.gov/dfs. --Security Team
IMPORTANT REMINDER FOR MEDICARE BENEFICIARIES WITH LIMITED INCOMES
Most Medicare beneficiaries who did not enroll in Medicare Part D by the May 15 deadline will need to wait until the next annual enrollment period, November 15 through December 31. But if you are eligible for the Extra Help that is available under the Medicare Prescription Drug Program, you can join a Medicare drug plan at any time without paying a penalty in 2006. The Extra Help can pay for part of the monthly premium, annual deductibles, and prescription co-payments under the new prescription drug program, and it could be worth an average of $3,700 per year.
Basically, you may qualify for Extra Help if your income is below $14,700 a year as a single person, or below $19,800 a year if you are married and living with your spouse. Your total resources must be less than $10,000 if single, or $20,000 if married and living with your spouse. Resources include such things as bank accounts, stocks and bonds, but do not include your house and car. And resources can be slightly higher (an additional $1,500 per person) if you will use some of your money for burial expenses.
Also, if you first became eligible for Medicare in February 2006 or after, you can enroll in a drug plan during your initial enrollment period of seven months—three months before and three months after the month you became eligible for Medicare.
If you think you might qualify for Extra Help, you can complete an online application at www.socialsecurity.gov, or call
1-800-772-1213 (TTY 1-800-325-0778),
and a representative will assist you in filing
an application over the phone. For more information about the prescription drug program itself, you can go to www.medicare.gov.
--Don Vinniti, SSAField Representative, Fall River
A NEW SEASON
...TWO NEW WATERCOLOR CLASSES
Our instructors are eager to start a new six (6) week class beginning in September.
The watercolor painting program is designed to introduce the beginner and more advanced painter to the fundamentals of painting in watercolor. Using demonstrations of different techniques, students will paint from still life as well as any subject of their choice, learning to set up their materials, plan compositions and design, use color creatively, and learn to create their own expression of the subject and experience pleasure of using their own creative energy with instruction and guidance.
Please sign up for one of these classes by calling the Council on Aging, 508-636-1026, as soon as possible--space is limited.
Classes are open to people who are at least 60 years of age, and preference is given to Westport residents when there are more registrants than space availability. You will need to pick up a basic supplies list before the start of the sessions.
Wednesdays
9:00 – 11:30 a.m.
September 13 - October 18
Watercolor painting instruction with Ruth Edwards
OR
Thursdays
9:00 – 11:30 a.m.
September 14 - October 19
Watercolor painting instruction with Barbara Farnell
Reverse Mortgages
“Danger Signals”
With Reverse Mortgages growing in popularity, misuse of these loans also grows. Look out for these “danger signals”.
1. The lender is not licensed or does not have a plan approved by the Mass. Division of Banks.
2. You are getting counseling only from the lender.
3. Counseling is done just before or at the closing.
4. You are being discouraged from talking with family and friends about the loan.
5. You are being pressured to use equity in your home to buy something with the proceeds.
6. You are asked for a large deposit upon applying which will speed up processing.
7. You are pressured to make a quick decision.
8. You are offered a discount to sign by a certain date.
9. Insurance premiums and other costs are not explained clearly.
10.Your children, relatives, or
others are pressuring you to get a
loan so they can use the money.
Even if they promise to pay you
back, the loan puts your future
security at risk.
For more information, call H.O.M.E. (Homeowner Options for MA Elders) at 1-800-583-5337.
Veterans Identity Theft
Q: As an older veteran, what should I do about the stolen VA records and potential identity theft?
A: The VA says, at this point, there is no evidence any missing data has been used illegally. However, the VA is asking all veterans to be extra vigilant and to carefully monitor bank statements, credit card statements, and any statements relating to recent financial transactions, and to report any suspicious or unusual activity. You do not have to close your bank account or cancel your credit cards. You should, however, review your credit report. By law, you are entitled to one free credit report each year. You can request a free credit report from one of the three major credit bureaus – Equifax, Experian, TransUnion by calling 1-877-322-8228.
You should look out for the following unusual activities: inquiries from companies you have not contacted or done business with; purchases or charges on your accounts you did not make; new accounts you did not open or changes to existing accounts you did not make; bills that do not arrive as expected; unexpected credit cards or account statements; denials or credit for no apparent reason; calls or letters about purchases you did not make.
FRIENDS OF THE WESTPORT
COUNCIL ON AGING, INC.
Supporting the Senior Center
P. O. Box N-192
Westport, MA 02790
The Westport Senior Center sign has been refurbished by using your donations to the FWCOA.
Refurbishing Flooring in the Center is another goal for this fall. Hopefully a contractor will be found to replace the problem floors.
Lees Supermarket Receipts are always welcome. This is another fundraising tool to help the Senior Center.
Social Day Matching Fund to enable eligible Westport seniors to take advantage of the wonderful Senior Social Day Program at the Senior Center is another support service of the FWCOA. The staff at Senior Social Day gives support to clients and caregivers.
BRISTOL ELDER SERVICES NUTRITION PROGRAM
The dining room at the Senior Center is staffed by BES personnel who serve the 11:30 a.m. lunches and pack the Meals-On-Wheels trays for deliveries. Evelyn “Lyn” Orr has been the Site Manager in Westport for nearly ten years. She will be stepping down from that post in September, but continuing as a meal site worker. Lyn has been the most thoughtful, helpful site manager any Center could ask for. Thanks Lyn!
The new site manager from BES, Joseph Rego, will be starting in September. We welcome Mr. Rego, and trust he will enjoy his new position in Westport.
Carbon Monoxide:
Massachusetts Law & Protecting You
New law changes in March 2006 have increased awareness about the danger of carbon monoxide--a colorless, odorless gas that has almost the same density as air, but can overwhelm the lungs,
cut off oxygen to the body, and cause sickness or death. According to Massachusetts General Law, every home must have appropriately placed detectors throughout the dwelling.
The Law requires a detector
· On each level of a dwelling.
· In habitable* portions of basements, cellars and attics, but not crawl spaces.
· On any level of a dwelling with a sleeping area –no further than 10 feet from the bedroom door.
· Be installed in all homes for sale or being built.
* A habitable space is a room or space where it would be possible for someone to sit or sleep.
Any store that carries smoke detectors will stock carbon monoxide detectors. You can also contact your security company to order units to fit your exact specification, if necessary. Talk to the fire department regarding specific policies and procedures.
For information about this MA Law, log onto www.mass.gov/dfs. --Security Team
IMPORTANT REMINDER FOR MEDICARE BENEFICIARIES WITH LIMITED INCOMES
Most Medicare beneficiaries who did not enroll in Medicare Part D by the May 15 deadline will need to wait until the next annual enrollment period, November 15 through December 31. But if you are eligible for the Extra Help that is available under the Medicare Prescription Drug Program, you can join a Medicare drug plan at any time without paying a penalty in 2006. The Extra Help can pay for part of the monthly premium, annual deductibles, and prescription co-payments under the new prescription drug program, and it could be worth an average of $3,700 per year.
Basically, you may qualify for Extra Help if your income is below $14,700 a year as a single person, or below $19,800 a year if you are married and living with your spouse. Your total resources must be less than $10,000 if single, or $20,000 if married and living with your spouse. Resources include such things as bank accounts, stocks and bonds, but do not include your house and car. And resources can be slightly higher (an additional $1,500 per person) if you will use some of your money for burial expenses.
Also, if you first became eligible for Medicare in February 2006 or after, you can enroll in a drug plan during your initial enrollment period of seven months—three months before and three months after the month you became eligible for Medicare.
If you think you might qualify for Extra Help, you can complete an online application at www.socialsecurity.gov, or call
1-800-772-1213 (TTY 1-800-325-0778),
and a representative will assist you in filing
an application over the phone. For more information about the prescription drug program itself, you can go to www.medicare.gov.
--Don Vinniti, SSAField Representative, Fall River
A NEW SEASON
...TWO NEW WATERCOLOR CLASSES
Our instructors are eager to start a new six (6) week class beginning in September.
The watercolor painting program is designed to introduce the beginner and more advanced painter to the fundamentals of painting in watercolor. Using demonstrations of different techniques, students will paint from still life as well as any subject of their choice, learning to set up their materials, plan compositions and design, use color creatively, and learn to create their own expression of the subject and experience pleasure of using their own creative energy with instruction and guidance.
Please sign up for one of these classes by calling the Council on Aging, 508-636-1026, as soon as possible--space is limited.
Classes are open to people who are at least 60 years of age, and preference is given to Westport residents when there are more registrants than space availability. You will need to pick up a basic supplies list before the start of the sessions.
Wednesdays
9:00 – 11:30 a.m.
September 13 - October 18
Watercolor painting instruction with Ruth Edwards
OR
Thursdays
9:00 – 11:30 a.m.
September 14 - October 19
Watercolor painting instruction with Barbara Farnell
Reverse Mortgages
“Danger Signals”
With Reverse Mortgages growing in popularity, misuse of these loans also grows. Look out for these “danger signals”.
1. The lender is not licensed or does not have a plan approved by the Mass. Division of Banks.
2. You are getting counseling only from the lender.
3. Counseling is done just before or at the closing.
4. You are being discouraged from talking with family and friends about the loan.
5. You are being pressured to use equity in your home to buy something with the proceeds.
6. You are asked for a large deposit upon applying which will speed up processing.
7. You are pressured to make a quick decision.
8. You are offered a discount to sign by a certain date.
9. Insurance premiums and other costs are not explained clearly.
10.Your children, relatives, or
others are pressuring you to get a
loan so they can use the money.
Even if they promise to pay you
back, the loan puts your future
security at risk.
For more information, call H.O.M.E. (Homeowner Options for MA Elders) at 1-800-583-5337.
Veterans Identity Theft
Q: As an older veteran, what should I do about the stolen VA records and potential identity theft?
A: The VA says, at this point, there is no evidence any missing data has been used illegally. However, the VA is asking all veterans to be extra vigilant and to carefully monitor bank statements, credit card statements, and any statements relating to recent financial transactions, and to report any suspicious or unusual activity. You do not have to close your bank account or cancel your credit cards. You should, however, review your credit report. By law, you are entitled to one free credit report each year. You can request a free credit report from one of the three major credit bureaus – Equifax, Experian, TransUnion by calling 1-877-322-8228.
You should look out for the following unusual activities: inquiries from companies you have not contacted or done business with; purchases or charges on your accounts you did not make; new accounts you did not open or changes to existing accounts you did not make; bills that do not arrive as expected; unexpected credit cards or account statements; denials or credit for no apparent reason; calls or letters about purchases you did not make.
FRIENDS OF THE WESTPORT
COUNCIL ON AGING, INC.
Supporting the Senior Center
P. O. Box N-192
Westport, MA 02790
The Westport Senior Center sign has been refurbished by using your donations to the FWCOA.
Refurbishing Flooring in the Center is another goal for this fall. Hopefully a contractor will be found to replace the problem floors.
Lees Supermarket Receipts are always welcome. This is another fundraising tool to help the Senior Center.
Social Day Matching Fund to enable eligible Westport seniors to take advantage of the wonderful Senior Social Day Program at the Senior Center is another support service of the FWCOA. The staff at Senior Social Day gives support to clients and caregivers.
BRISTOL ELDER SERVICES NUTRITION PROGRAM
The dining room at the Senior Center is staffed by BES personnel who serve the 11:30 a.m. lunches and pack the Meals-On-Wheels trays for deliveries. Evelyn “Lyn” Orr has been the Site Manager in Westport for nearly ten years. She will be stepping down from that post in September, but continuing as a meal site worker. Lyn has been the most thoughtful, helpful site manager any Center could ask for. Thanks Lyn!
The new site manager from BES, Joseph Rego, will be starting in September. We welcome Mr. Rego, and trust he will enjoy his new position in Westport.
New law changes in March 2006 have increased awareness about the danger of carbon monoxide--a colorless, odorless gas that has almost the same density as air, but can overwhelm the lungs,
cut off oxygen to the body, and cause sickness or death. According to Massachusetts General Law, every home must have appropriately placed detectors throughout the dwelling.
The Law requires a detector
· On each level of a dwelling.
· In habitable* portions of basements, cellars and attics, but not crawl spaces.
· On any level of a dwelling with a sleeping area –no further than 10 feet from the bedroom door.
· Be installed in all homes for sale or being built.
* A habitable space is a room or space where it would be possible for someone to sit or sleep.
Any store that carries smoke detectors will stock carbon monoxide detectors. You can also contact your security company to order units to fit your exact specification, if necessary. Talk to the fire department regarding specific policies and procedures.
For information about this MA Law, log onto www.mass.gov/dfs. --Security Team
IMPORTANT REMINDER FOR MEDICARE BENEFICIARIES WITH LIMITED INCOMES
Most Medicare beneficiaries who did not enroll in Medicare Part D by the May 15 deadline will need to wait until the next annual enrollment period, November 15 through December 31. But if you are eligible for the Extra Help that is available under the Medicare Prescription Drug Program, you can join a Medicare drug plan at any time without paying a penalty in 2006. The Extra Help can pay for part of the monthly premium, annual deductibles, and prescription co-payments under the new prescription drug program, and it could be worth an average of $3,700 per year.
Basically, you may qualify for Extra Help if your income is below $14,700 a year as a single person, or below $19,800 a year if you are married and living with your spouse. Your total resources must be less than $10,000 if single, or $20,000 if married and living with your spouse. Resources include such things as bank accounts, stocks and bonds, but do not include your house and car. And resources can be slightly higher (an additional $1,500 per person) if you will use some of your money for burial expenses.
Also, if you first became eligible for Medicare in February 2006 or after, you can enroll in a drug plan during your initial enrollment period of seven months—three months before and three months after the month you became eligible for Medicare.
If you think you might qualify for Extra Help, you can complete an online application at www.socialsecurity.gov, or call
1-800-772-1213 (TTY 1-800-325-0778),
and a representative will assist you in filing
an application over the phone. For more information about the prescription drug program itself, you can go to www.medicare.gov.
--Don Vinniti, SSAField Representative, Fall River
A NEW SEASON
...TWO NEW WATERCOLOR CLASSES
Our instructors are eager to start a new six (6) week class beginning in September.
The watercolor painting program is designed to introduce the beginner and more advanced painter to the fundamentals of painting in watercolor. Using demonstrations of different techniques, students will paint from still life as well as any subject of their choice, learning to set up their materials, plan compositions and design, use color creatively, and learn to create their own expression of the subject and experience pleasure of using their own creative energy with instruction and guidance.
Please sign up for one of these classes by calling the Council on Aging, 508-636-1026, as soon as possible--space is limited.
Classes are open to people who are at least 60 years of age, and preference is given to Westport residents when there are more registrants than space availability. You will need to pick up a basic supplies list before the start of the sessions.
Wednesdays
9:00 – 11:30 a.m.
September 13 - October 18
Watercolor painting instruction with Ruth Edwards
OR
Thursdays
9:00 – 11:30 a.m.
September 14 - October 19
Watercolor painting instruction with Barbara Farnell
Reverse Mortgages
“Danger Signals”
With Reverse Mortgages growing in popularity, misuse of these loans also grows. Look out for these “danger signals”.
1. The lender is not licensed or does not have a plan approved by the Mass. Division of Banks.
2. You are getting counseling only from the lender.
3. Counseling is done just before or at the closing.
4. You are being discouraged from talking with family and friends about the loan.
5. You are being pressured to use equity in your home to buy something with the proceeds.
6. You are asked for a large deposit upon applying which will speed up processing.
7. You are pressured to make a quick decision.
8. You are offered a discount to sign by a certain date.
9. Insurance premiums and other costs are not explained clearly.
10.Your children, relatives, or
others are pressuring you to get a
loan so they can use the money.
Even if they promise to pay you
back, the loan puts your future
security at risk.
For more information, call H.O.M.E. (Homeowner Options for MA Elders) at 1-800-583-5337.
Veterans Identity Theft
Q: As an older veteran, what should I do about the stolen VA records and potential identity theft?
A: The VA says, at this point, there is no evidence any missing data has been used illegally. However, the VA is asking all veterans to be extra vigilant and to carefully monitor bank statements, credit card statements, and any statements relating to recent financial transactions, and to report any suspicious or unusual activity. You do not have to close your bank account or cancel your credit cards. You should, however, review your credit report. By law, you are entitled to one free credit report each year. You can request a free credit report from one of the three major credit bureaus – Equifax, Experian, TransUnion by calling 1-877-322-8228.
You should look out for the following unusual activities: inquiries from companies you have not contacted or done business with; purchases or charges on your accounts you did not make; new accounts you did not open or changes to existing accounts you did not make; bills that do not arrive as expected; unexpected credit cards or account statements; denials or credit for no apparent reason; calls or letters about purchases you did not make.
FRIENDS OF THE WESTPORT
COUNCIL ON AGING, INC.
Supporting the Senior Center
P. O. Box N-192
Westport, MA 02790
The Westport Senior Center sign has been refurbished by using your donations to the FWCOA.
Refurbishing Flooring in the Center is another goal for this fall. Hopefully a contractor will be found to replace the problem floors.
Lees Supermarket Receipts are always welcome. This is another fundraising tool to help the Senior Center.
Social Day Matching Fund to enable eligible Westport seniors to take advantage of the wonderful Senior Social Day Program at the Senior Center is another support service of the FWCOA. The staff at Senior Social Day gives support to clients and caregivers.
BRISTOL ELDER SERVICES NUTRITION PROGRAM
The dining room at the Senior Center is staffed by BES personnel who serve the 11:30 a.m. lunches and pack the Meals-On-Wheels trays for deliveries. Evelyn “Lyn” Orr has been the Site Manager in Westport for nearly ten years. She will be stepping down from that post in September, but continuing as a meal site worker. Lyn has been the most thoughtful, helpful site manager any Center could ask for. Thanks Lyn!
The new site manager from BES, Joseph Rego, will be starting in September. We welcome Mr. Rego, and trust he will enjoy his new position in Westport.
“Danger Signals”
With Reverse Mortgages growing in popularity, misuse of these loans also grows. Look out for these “danger signals”.
1. The lender is not licensed or does not have a plan approved by the Mass. Division of Banks.
2. You are getting counseling only from the lender.
3. Counseling is done just before or at the closing.
4. You are being discouraged from talking with family and friends about the loan.
5. You are being pressured to use equity in your home to buy something with the proceeds.
6. You are asked for a large deposit upon applying which will speed up processing.
7. You are pressured to make a quick decision.
8. You are offered a discount to sign by a certain date.
9. Insurance premiums and other costs are not explained clearly.
10.Your children, relatives, or
others are pressuring you to get a
loan so they can use the money.
Even if they promise to pay you
back, the loan puts your future
security at risk.
For more information, call H.O.M.E. (Homeowner Options for MA Elders) at 1-800-583-5337.
Veterans Identity Theft
Q: As an older veteran, what should I do about the stolen VA records and potential identity theft?
A: The VA says, at this point, there is no evidence any missing data has been used illegally. However, the VA is asking all veterans to be extra vigilant and to carefully monitor bank statements, credit card statements, and any statements relating to recent financial transactions, and to report any suspicious or unusual activity. You do not have to close your bank account or cancel your credit cards. You should, however, review your credit report. By law, you are entitled to one free credit report each year. You can request a free credit report from one of the three major credit bureaus – Equifax, Experian, TransUnion by calling 1-877-322-8228.
You should look out for the following unusual activities: inquiries from companies you have not contacted or done business with; purchases or charges on your accounts you did not make; new accounts you did not open or changes to existing accounts you did not make; bills that do not arrive as expected; unexpected credit cards or account statements; denials or credit for no apparent reason; calls or letters about purchases you did not make.
COUNCIL ON AGING, INC.
Supporting the Senior Center
P. O. Box N-192
Westport, MA 02790
The Westport Senior Center sign has been refurbished by using your donations to the FWCOA.
Refurbishing Flooring in the Center is another goal for this fall. Hopefully a contractor will be found to replace the problem floors.
Lees Supermarket Receipts are always welcome. This is another fundraising tool to help the Senior Center.
Social Day Matching Fund to enable eligible Westport seniors to take advantage of the wonderful Senior Social Day Program at the Senior Center is another support service of the FWCOA. The staff at Senior Social Day gives support to clients and caregivers.
BRISTOL ELDER SERVICES NUTRITION PROGRAM
The dining room at the Senior Center is staffed by BES personnel who serve the 11:30 a.m. lunches and pack the Meals-On-Wheels trays for deliveries. Evelyn “Lyn” Orr has been the Site Manager in Westport for nearly ten years. She will be stepping down from that post in September, but continuing as a meal site worker. Lyn has been the most thoughtful, helpful site manager any Center could ask for. Thanks Lyn!
The new site manager from BES, Joseph Rego, will be starting in September. We welcome Mr. Rego, and trust he will enjoy his new position in Westport.
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