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SeniorVoice Best Soups and Stews - SIGN UP NOW - SEE PUBLISHER'S MESSAGE ON PAGE 8 - Westchester Senior Voice
BOOMERS AND SENIORS LEAD THE WAY IN VOLUNTEERISM

 SeniorVoice
       WESTCHESTER

  WINTER 2020-2021

                  S o u p s a n d S t ew s
             Best

  SIGN UP NOW - SEE PUBLISHER'S MESSAGE ON PAGE 8
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Contents                            WINTER 2020-2021

 24                                   26                                       30

features and stories                                   columns and departments
24 volunteerism: seniors leading the way              11 community: yonkers connects
26 volunteerism: neighbors feeding neighbors          12 worth noting
30 comfort soup and stew recipes for winter           14 legal talk: avoiding a will contest
                                                      18 health & wellness: droopy eyelids
                                                      22 booming better travel: the no.1 destination
more articles                                         36 wellness coach: mindful eating during the holidays
16 money matters: create your safety net              37 real estate: making winter bearable
20 essay: word play                                   40 medicare advisor: income related surcharges
38 retirement readiness                               44 medicaid advisor: long-term care
42 wellness advocate: it's not dementia
46 app-titude: payment services

                               westchesterseniorvoice.com   4   winter 2020-2021
SeniorVoice Best Soups and Stews - SIGN UP NOW - SEE PUBLISHER'S MESSAGE ON PAGE 8 - Westchester Senior Voice
We are pleased to announce that Phelps
Hospital recently received Recognition as
an Age-Friendly Health System from the
Institute for Healthcare Improvement (IHI).
In achieving this designation, we
demonstrated our ability to render care to
patients 65+ years old in the area of the
4Ms - What Matters Most, Medication,
Mentation and Mobility - and committed to
implementing performance improvement
plans as we strive to enhance the care we
provide. The Age-Friendly Health System
recognition is a shift in the paradigm of
care in which the 4Ms drive all care and
decision making in the inpatient and
ambulatory care settings.

                                                             If you have any questions, please reach
                                                             out to Ellen Woods at (914) 366-3937 or
                                                             email vitality@northwell.edu.

Phelps Hospital is pleased to announce
the launch of a Caregiver Program!
Led by a social worker, this program will provide support services and
resource information to caregivers. Phelps recognizes the role of the
caregiver as an important one in helping patients age-in-place safely,
securely and independently. Often, the physical and emotional health
of the person providing care becomes compromised. It is difficult to
assist someone else if the needs of the caregiver are not met. Phelps
Caregivers Center will provide our patients’ caregivers with emotional
support, counseling, and the resources necessary to navigate the health
care system.

                                                                   To contact the Caregiver Program,
                                                                   please call 914-366-1199 or e-mail
                                                                   us at caregiver@northwell.edu.

                           winter 2020-2021   5   westchesterseniorvoice.com
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SeniorVoice
                                                            WESTCHESTER

                                                        PUBLISHER
                                                        Susan E. Ross
                                                        publisher@westchesterseniorvoice.com
                                                        914.380.2990

                                                        CONTRIBUTING WRITERS
                                                        Rosemary Black
                                                        Lauren C. Enea
                                                        Steven Geiger and Rosemary Stern
                                                        Jessica Kishpaugh
                                                        Kim Kovach
                                                        Donna Moriarty
                                                        Colin Sandler
                                                        Mamta V. Shah, MD
                                                        Anastasia Slesareva
                                                        Robert Remin
                                                        Laura I. Rotter
                                                        Alice Tseng
                                                        Steven Weisblatt, MD

                                                        CIRCULATION
                                                        Rare Sales, Inc. / Bob Engelman
                                                        914.661.3605

                                                        To our readers: We are able to publish and dis-
                                                        tribute this magazine through the support of our
                                                        advertisers. Please let them know you reached
                                                        out to them because of Westchester Senior Voice.
                                                        Publisher is not responsible for errors in
                                                        advertising or claims made by advertisers.
                                                        We do not knowingly accept any advertising
                                                        that violates any law. Opinions, articles and
                                                        advertising appearing in this magazine should
                                                        not be construed as endorsement by the Pub-
                                                        lisher of any product, service, or person.

                                                        VOLUME 5.5 WINTER 2020-2021
                                                        Copyright © Voice Media LLC.
                                                        All rights reserved.
                                                        Reproduction in whole or in part
                                                        without written permission is prohibited.
                                                        Westchester Senior Voice
                                                        Print ISSN 2469-5203
                                                        Online ISSN 2469-5211
                                                        Publishing Quarterly plus an Annual Guide
                                                        and the Booming BETTER Expo

caremountmedical.com

                                                        VOICE MEDIA LLC
                                                        WESTCHESTER SENIOR VOICE
                                                        PO BOX 301 WHITE PLAINS, NY 10605

        westchesterseniorvoice.com   6   winter 2020-2021
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THE OSBORN OFFERS
                            ASSISTANCE TODAY AND
                            OPTIONS FOR THE FUTURE
                            The Osborn's Assisted Living Program
                            offers a safe, supportive, engaging                              Should you or your
                            environment for its residents.                                   loved one's needs
                            The program is designed around each                              change in the future,
                            resident’s individual needs.                                     The Osborn offers:

                                                                                             • Memory Care
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                                                                          YONKERS                MAMARONECK

                                                                             BRONX

winter 2020-2021    7    westchesterseniorvoice.com
SeniorVoice Best Soups and Stews - SIGN UP NOW - SEE PUBLISHER'S MESSAGE ON PAGE 8 - Westchester Senior Voice
from the publisher
                     HELLO! I AM SO HAPPY TO                To repeat some information from our last issue,
                     report that this past October,         we’ve been publishing, in print and online, since
                     Westchester Senior Voice was           2016. Up until Covid hit, we distributed the magazine
                     honored with six awards for edito-     throughout Westchester at about 700 locations. To
                     rial excellence by the leading trade   make sure we get into your hands now, we’ve tran-
                     association representing boomer        sitioned to mailing the magazine direct into homes,
                     and senior publications through-       with just a few thousand copies selectively placed in
                     out the country. The distinction       the community.
                     was particularly sweet as our con-
tent was evaluated and judged by faculty and staff at the   If you’d like to continue to receive this magazine
prestigious University of Missouri School of Journalism.    at no charge, please email your U.S. postal ad-
It means the world to me to know that this labor of love,   dress to us at office@westchesterseniorvoice.
this magazine, is recognized for what we do.                com. By doing so, you’ll be added to our mail list for
                                                            the coming year. If you did receive this issue via the
In our most recent survey, 60% of readers told us they      mail, please FIRST check the label on this issue’s
hold on to their issue of Westchester Senior Voice for      cover. If it has your first and last name on the mailing
more than a month. Thank you! In that same survey,          label, there is NO need to email us with your address
92% of readers indicated that the advertising in this       as you are already on our list.
magazine was useful or relevant to them, a spouse
or partner, or a family member. That’s a pretty strik-      Alternatively, you can sign up for a digital version of
ing number, which leads me to another plain truth:          the magazine, to be sent to your email inbox, by go-
while having an online presence for our magazine is         ing to our site at www.westchesterseniorvoice.com
essential, especially during these times and moving         and signing up for the email newsletter. Once on
towards the future, our readers still have a clear pref-    the site, within seconds, a box will pop up and ask
erence and need for us as a printed medium. And we          you for your email address. Simply fill it in and bam,
will continue to deliver as such.                           you’re done!

But that also begs the question, “how are we able           We hope you enjoy this issue. It’s chock full of won-
to produce and deliver this magazine without any            derful articles, all intended to help you create your
charge to our readers?” The answer, as you may al-          strongest and best life.
ready know, is that we are supported entirely by our
advertisers. So, please let them know you learned
about them through Westchester Senior Voice. En-            Wishing us all love and peace,
courage your friends and family to do the same. If
you love our magazine and use it to empower your-
self to live your best and strongest life, then become
a “brand ambassador” for our magazine by talking
it up. If you frequent a business or service, let them      Susan E. Ross
know about this publication. It may help them in            Publisher and Certified Senior Advisor®
their endeavors as well.                                    publisher@westchesterseniorvoice.com

                              westchesterseniorvoice.com        8   winter 2020-2021
SeniorVoice Best Soups and Stews - SIGN UP NOW - SEE PUBLISHER'S MESSAGE ON PAGE 8 - Westchester Senior Voice
ASK THE DOC
      When should I see an orthopedic surgeon for pain?

Dr. Andrew Casden, Chief of Orthopedic and Spine Surgery at White Plains Hospital,
answers this common question.
Experiencing some type of pain in your back, joints and muscles is a natural part of aging. For instance, a strain following a
strenuous walk or morning stiffness as you get out of bed are all very common with advancing years. In fact, studies suggest
that one out of three people in the United States are living with varying degrees of discomfort. “I tell my patients who complain
about morning stiffness to have a cup of coffee and a shower, and then tell me if they still have pain, or if it goes away on its
own,” says Dr. Casden.

However, significant pain in the back, neck, arms or legs that lasts longer than a week should be evaluated by an orthopedic
specialist, says Dr. Casden. The specialist will typically treat this pain using physical rehabilitation, counseling, medications and
complementary therapies before even considering a referral to a spine surgeon, he says. “If those options do not work, patients
at White Plains Hospital can be assured of a safe, personalized surgical approach to help them return to their normal quality of
life,” says Dr. Casden. “With advancements in technology combined with the precision of minimally-invasive procedures, patients
don’t have to live with their chronic pain any longer.”

                               KNOW WHEN TO CALL THE DOCTOR
   1. pAiN THAT DOEs                2. pAiN THAT AffECTs               3. pAiN LEvEL is A six           4. fREquENT usE
      not go away                      DAiLy ACTiviTiEs                   out of ten                      Of MEDiCATiONs
   Significant pain in the back,    See a specialist if pain is        Doctors often use a scale        You are taking over the
   neck, arms or legs that lasts    interfering with your ability to   of one to ten (worst) to         counter anti-inflammatory
   longer than a week, and          function, including walking,       assess patients’ pain. A         medications more than
   doesn’t go away with over-       sleeping, or using your arm or     six normally indicates a         five times a week, or
   the-counter medicines or rest,   leg, and if it is affecting your   moderately strong level          on a regular basis, and
   should be evaluated.             emotional well-being.              of pain.                         continue to have pain.

                                    To find an orthopedist, call 914-849-MyMD or visit wphospital.org

                                                                                                        A MEMBER OF THE MONTEFIORE HEALTH SYSTEM

                                     winter 2020-2021         9   westchesterseniorvoice.com
SeniorVoice Best Soups and Stews - SIGN UP NOW - SEE PUBLISHER'S MESSAGE ON PAGE 8 - Westchester Senior Voice
Good days are
brighter
and tough times
are easier with the
RIGHT COMPANION!
Stay in the home you love with help from
our skilled, senior-aged companions who
can provide a little assistance or full-time
help. Call us today!
SeniorS Helping SeniorS
weStcHeSter/putnam nY
914-263-7716
www.seniorcarenorthwestchester.com

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                                               ROOMS                                    IN PLACE
                                               Rehab Medicine under one roof!
                                               Offering Physical Therapy,
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                                               STOP PAIN TODAY!                                  Millenium Medical & Rehab
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                                                                                                 Tel: (914) 472-2700
                                               Musculoskeletal and Joint Pain
                                                                                                 Fax: (914) 472-0986
                                               Parkinson’s, Headaches, Stroke                    info@mmrclinic.com
                                                                                                 www.mmrclinic.com

                                      westchesterseniorvoice.com         10   winter 2020-2021
COMMUNITY

                                                                                                              Tackling
     Yonkers Connects!                                                                                         Social
                                                                                                              Isolation
                                                                                                         PROGRAMS VIA ZOOM
                                                                                                     In partnership with Yonkers NNORC, Yonkers
                                                                                                     Public Library, and New York-Presbyterian/
                                                                                                     Lawrence Hospital, the following can be
                                                                                                     found via Zoom:
                                                                                                     BODY/MIND FITNESS with Coach Karl.
                                                                                                     Energize your body and prepare your mind
                                                                                                     to face challenges from the comfort of your
                                                                                                     home. Practice mindfulness and move-
                                                                                                     ment for a better body-mind connection on
                                                                                                     Wednesdays at 9a.m.
                                                                                                     BINGO: Play Bingo on Zoom, Thursdays
                                                                                                     at 1p.m. Contact Z at 914-779-3774 or z@
                                                                                                     ypl.org for Bingo Cards.
                                                                                                     MEDITATION CHAIR YOGA: Dr.
                                                                                                     Rubina Heptulla, of Millennium Medical &
                                                                                                     Rehab, walks participants through fitness
                                                                                                     and meditation exercises on Fridays at 9a.m.
                                                                                                     NEW YORK-PRESBYTERIAN/
                                                                                                     LAWRENCE HOSPITAL SPEAKER
                                                                                                     SERIES: Learn from the hospital's experts
                                                                                                     about a variety of topics in their specialties,
                                                                                                     once a month on Tuesdays at 1p.m. (Dates
                                                                                                     to be announced.)
                                                                                                     For details on the above programs and
                                                                                                     Zoom call-in/password, contact Sally Pinto
                                                                                                     at Yonkers NNORC at 914-391-1323 or
                                                                                                     sally.pinto@yonkersny.gov
                                                     Photo left to right: Z Baird and Sally Pinto

When Kelly Chiarella, director of the Yon-     ested in helping older adults in the area.           And while the Yonkers libraries are open for
kers Office of the Aging, and Judy Fink,                                                            browsing as well as contactless pick-up, Z
director of geriatric services at WJCS         The Yonkers students work with seniors to            is partnering with NNORC and other orga-
(Westchester Jewish Community Servic-          get them on Zoom so they can participate             nizations to keep the community engaged,
                                               in virtual programs and activities, visit with       connected and thriving. That includes pro-
es) secured a New York State grant for
                                               friends, and connect with their children             grams to keep seniors moving and to pro-
$200,000 a year for five years, to fund the
                                               and grandchildren.                                   vide structure to their days, whether it’s a 9
city’s Neighborhood Naturally Occurring
                                                                                                    a.m. yoga class or 1 p.m. bingo.
Retirement Communities (NNORC), they           The all-volunteer teen corps meets once a
never anticipated it would also support        week for training on different technologies          In addition to library resources such as
their senior population through the bleak-     and to review issues they come across. In            streaming movies online and download-
est days of the pandemic and beyond.           addition to teaching basic tech skills, they         able books, there's something to look
                                               tutor seniors on photo-taking and accessing          forward to every morning: from seminars
While supporting case management and           virtual programming offered by the Yonkers           - courtesy of New York-Presbyterian to
nursing services, the grant is also fund-      libraries, which have three physical loca-           art and gardening indoors, among many
ing a variety of programs and activities       tions: the Riverfront Library, the Crestwood         other virtual activities.
for those aging independently at home.         Library, and the Grinton I. Will Library.
                                                                                                    Assuring seniors there are many ways to
When Covid hit Westchester, Yonkers            Z Baird, branch manager of the Crest-                remain active and participate in the com-
NNORC Coordinator Sally Pinto immedi-          wood Library, says they are finding differ-          munity, Sally adds, “They are not alone!” Z
ately recognized the need for a “tech squad”   ent ways “to build togetherness without              concurs, " We are going to thrive together!
to support people who weren’t necessarily      being physically there.” Seniors are also
comfortable with technology as a means         contending with the closing of senior cen-           To find out more about activities and programs,
to socialize and connect. She enlisted the     ters, exacerbating already-existing social           and to participate and engage, contact Z Baird
help of the Yonkers Partners in Education      isolation and making access to technol-              (914-779-3774 or z@ypl.org) or Sally Pinto
(YPIE), who recruited high schoolers inter-    ogy more important than ever.                        (914-391-1323 or Sally.Pinto@yonkersny.gov).

                                        winter 2020-2021      11   westchesterseniorvoice.com
WORTH NOTING

                                                                                               are often wet and slippery) to stair lifts, per-
                                                                                               sonal oxygen equipment, sleeper chairs,
                                                                                               custom home-care beds, and more.

                                                                                               Excellent service and caring staff is the
                                                                                               key to their success. To that end, O’Keefe
                                                                                               and his team answer calls and "show up"
                                                                                               seven days a week.

                                                                                               There is a loaner program on all durable
                                                                                               purchases so customers are never left
                                                                                               without if something needs to be repaired.

A Belated Welcome to On the Mend                                                               On The Mend’s Director of Operations
                                                                                               and Community Relations Marsi Beck
                                                                                               comments, “I absolutely love our custom-
                                                                                               ers and this business.”
When On The Mend Medical Supplies              O’Keefe, originally from the Bronx, opened
& Equipment opened in Mount Kisco in           his first medical supply store in Southbury,
February of 2020, they could not have an-      CT almost five years ago. His philosophy        “We provide solutions for aging in place
ticipated that in just over a month, most      has always been to treat every client as he     and creating safe spaces,” says O’Keefe,
of Westchester would be shut down - and        would want his own parents treated – mom        who also promises that once the pandem-
boomers and seniors, along with many           is now 79 and dad is 86. The entire On The      ic has passed, On The Mend will be bring-
others, would not be venturing out to visit    Mend team operates with this same goal.         ing fully accessible vans to Westchester
any new stores, even essential ones!           As he describes it, “I hire great people. And   to drive clients to medical appointments
                                               we are all big on compassion.”                  and other destinations.
However, under the leadership of owner
Liam O’Keefe, On The Mend quickly en-          Now, with a second location in Westches-        On The Mend Medical Supplies & Equip-
gaged with the community by providing PPE      ter, the store’s product offerings are exten-   ment in Westchester is located at 280 North
(Personal Protective Equipment). You can       sive: from barrier-free showers and safety      Bedford Road, #101, in Mount Kisco; www.
still find masks, face shields and gowns, as   items for bathrooms (which is the number        onthemendmedical.com; 914-483-3605
well as other protective gear, at the store.   one location in the home for falls, as floors   (See ad on page 27 for 10% discount.)

  Phelps Hospital                                                               Best in Class
   Recognized as                                                               The Osborn Pavilion in
                                                                               Rye is one of only 20

   Age-Friendly                                                                skilled nursing facilities
                                                                               (out of 617) in New York
                                                                               State to be recognized as       and consistent performance
Phelps Hospital/Northwell Health                                               a Best Nursing Home for         in quality measures.
has been recognized as an Age-       “Becoming an Age-Friendly                 2020-21 by U.S. News &
Friendly Health System by the        Health System requires an in-             World Report.                   According to Matthew G.
Institute for Healthcare Improve-    terdisciplinary approach in or-                                           Anderson, President and
ment (IHI).                          der to make a real difference in          They achieved the highest       CEO of The Osborn, “We
                                     the care we provide,” said Ellen          possible rating, High Per-      are extremely honored
Phelps earned the distin-            Woods, Program Director of                forming, for both short-term    to be awarded the des-
guished honor for its ability to     Vitality, a Phelps Hospital pro-          rehabilitation and long-term    ignation of ’Best Nursing
render care to patients 65 and       gram designed for older West-             care. They are also the         Home’ by U.S. News &
older in the areas known as the      chester residents. “Our suc-              only skilled nursing facility   World Report. We are also
4Ms – What Matters Most, Med-        cess depends upon the entire              in Westchester to achieve       very proud of our extraordi-
ication, Mentation and Mobility.     Phelps Hospital team embrac-              this rating in 2020.            nary staff who deliver high
The title also recognizes Phelps     ing the 4Ms model and incorpo-                                            quality services to individu-
for its commitment to enhanc-        rating continual improvement in           To receive the designation,     als each and every day as
ing the already high-quality care    how we deliver care. We’re all            U.S. News assesses the ap-      part of The Osborn’s over-
provided at the hospital.            in this together.”                        propriate use of key services   all continuum of care.”

                                        westchesterseniorvoice.com        12   winter 2020-2021
Neurological                      Cardiopulmonary
               Conditions                           Disease                      Complex medical conditions
                                                                                 require comprehensive rehabilitation
                                                                                 programs. Burke provides the
                                                                                 essential expertise and resources
                                                                                 to help you move forward. From
                              NO MATTER                                          inpatient to outpatient, we will remain
Brain
Injury                       HOW COMPLEX                                Stroke   your partner, dedicated to your
                                YOUR                                             maximum recovery.
                              CONDITION
                              WE’LL ALWAYS BE                                    REHABILITATION FOR LIFE
                              THERE FOR YOU

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                                 chelseaseniorliving.com

                                 winter 2020-2021    13   westchesterseniorvoice.com
LEGAL TALK

How to Avoid a Will Contest
 When Disinheriting a Child or Family Member                                                  BY LAUREN C. ENEA, ESQ.

I am often asked about this topic by         you to have full control over your assets      an “in terrorem” clause should be placed
my clients, especially when they are         during your life, but avoids probate when      in your Will in order to deter potential Will
                                             you pass away. The trust does not have         contests. These clauses often state that
alienated from and wish to disinherit a
                                             to go through the probate process, and         in the event of a Will contest, the indi-
child or family member.                      therefore no one needs to be provided          vidual seeking to contest the Will would
                                             with notice of the trust’s existence or the    forfeit any distribution to him or her if he
When these types of situations arise,
                                             terms thereunder. This allows your wish-       or she were not successful in the Will
there are many steps you can take to
                                             es to stay private, especially where you       contest.
avoid your Will from being contested by
                                             are disinheriting certain individuals.
individuals who believe they are entitled
                                                                                            In addition to the above steps, it is impor-
to receive your assets:
                                             A revocable trust is not totally immune        tant to meet with an experienced estate
                                             from a contest, but it makes a contest         planning attorney and provide him or her
1. AVOID PROBATE
                                             significantly more difficult, as there is no   with detailed information as to why an
A Last Will and Testament only controls
                                             requirement that the distributees be pro-      individual is being disinherited or being
assets that are in your name alone (with
                                             vided with notice of the trust.                left a lesser amount of money than oth-
no beneficiary) on your date of death.
                                                                                            ers under your Will. This information will
One of the best things you can do to
                                             3. JOINT OWNERS AND                            be helpful in assessing the potential for
avoid a Will contest is ensure that no as-
                                             NAMED BENEFICIARIES                            a Will contest and protecting against one
sets pass through your Probate estate
                                             Having joint owners on your bank ac-           being brought in the future.
and are controlled by your Will.
                                             counts and named beneficiaries on your                             n n n
In order to be valid, a Will must be ad-     retirement assets are simple ways to
                                                                                            Lauren C. Enea, Esq. is an Associate at Enea,
mitted to probate and the individuals        avoid probate and allows assets to pass
                                                                                            Scanlan & Sirgnano, LLP. She concentrates her
who are entitled to receive assets if you    directly to your intended beneficiaries.       practice on Wills, Trusts and Estates, Medicaid
passed away without a Will (called “dis-     However, issues can arise where the            Planning, Special Needs Planning and Probate/
tributees”), including those that you de-    joint owner or named beneficiary prede-        Estate Administration. Ms. Enea believes it is
cided to disinherit, need to be provided     ceases you. A trust can provide contin-        never to early or too late to start planning for
with notice of the Will being admitted to    gencies for these situations and is there-     your future. She is admitted to practice law in
                                             fore a better long-term solution.              New York and Florida and is an active member of
probate. This often opens the door for
                                                                                            the Executive Committee of the New York State
the Will contest.                                                                           Bar Association (NSYBA) Elder & Special Needs
                                             4. INCLUDE A “NO CONTEST"                      Section. She can be reached at 914-948-1500
2. USE A REVOCABLE TRUST                     CLAUSE IN YOUR WILL                            or at L.Enea@esslawfirm.com. Please visit www.
A revocable trust is a vehicle that allows   A No-Contest clause, also referred to as       esslawfirm.com for more information.

                      What steps have you taken to protect your
                      life savings from the cost of long term care?
                      . Elder Law . Asset Protection . Medicaid Applications (Nursing Home/Home Care)
                      . Guardianships (Contested/Non-Contested) . Wills, Trusts & Estates
                               WHITE PLAINS        .    SOMERS       .    WWW.ESSLAWFIRM.COM

                             Contact LAUREN C. ENEA, ESQ.                       . 914.948.1500
                                      westchesterseniorvoice.com         14   winter 2020-2021
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       Contact us so that we can help you take control
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               future.                  JOB INFORMATION                         SPECIFICATIONS                              NOTES

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                                          8982191 /604069437                    5.5” x 8.5”                                 CRC 2923240 04/20
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CREATIvE STUDIO
                Stanley
                  MorganSmith   Barney
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                                         LLC.
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                                            Barney LLC.SIPC.
                                                         Member SIPC.  CRC 2923240
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MONEY MATTERS

Creating A Financial Safety Net
 During Uncertain Times and Beyond                                            BY ALICE TSENG

COVID has affected every                                                                              to opt out of returning to work.
single American on some
                                                                                                     I also helped a couple, Joan and
level. More than that, it’s
                                                                                                     Richard, refinance their previ-
created a wave of reluc-                                                                             ously manageable mortgage
tant retirees.                                                                                       balance.      Richard’s medical
                                                                                                     practice had converted to tele-
According to a recent New                                                                            health due to the pandemic,
School study, older working                                                                          and appointments fell off signifi-
Americans are faced with a                                                                           cantly. Prior to COVID, covering
double whammy. Even if they                                                                          monthly bills was not a concern.
manage to dodge the dispropor-                                                                       Then things got very tight, very
tionately dangerous effects of                                                                       fast. Using the HECM reverse,
the virus, they are more suscep-                                                                     they were able to get out of the
tible to job loss (than their 35- to                                                                 modest monthly mortgage pay-
54-year-old counterparts).                                                                           ments on the old mortgage, and
                                                                                                     are now using the HECM line of
A viable safety net for home-                                                                        credit to pay their high property
owners ages 62 and older - who either                                                        taxes and house insurance.
cannot gain re-entry to the workforce          The key feature for both short-term relief
due to COVID, must compromise with             and long-term consideration is that there     Unlike Richard, who could see some pa-
under-employment, or prefer to retire          are no required repayments for any of         tients virtually during lockdown, Bonnie
early to avoid the health risks of return-     the loan monies provided to the borrow-       and Stan’s heating/AC business entailed
ing to work – is a reverse mortgage, for-      er, as long as the homeowner continues        servicing clients’ equipment in their homes.
mally known as a Home Equity Conver-           to live in the home as their primary resi-    Their small business shut down overnight.
sion Mortgage (HECM).                          dence, and keeps current on property          Although they were already contemplating
                                               taxes and home insurance.                     retirement, COVID made the decision for
Reverse mortgages have come a long                                                           them before they were ready. Closing their
way since their introduction and no lon-       You still own your home and you can sell      HECM reverse in July was the solution.
ger have the pitfalls of the older versions.   at any time. A HECM reverse mortgage          They did away with the monthly payments
As you may have seen Tom Selleck say           can provide immediate, and likely long-       on the HELOC balance that was paid off,
on TV, they are now a smart and safe           term, relief, and give you time to get your   and set up a monthly draw to replace what
way to leverage equity. You are using          bearings and map out your retirement          had been earned income, to maintain their
the equity in your home for your current       future. You are spared from dipping into      budget and pay bills.
needs and, in most cases, still leaving        your retirement investments (and suf-
meaningful value to your heirs without         fering the tax consequences) to cover         Many people don’t understand how the
passing on any liability to them.              mortgage payments.                            HECM works so they are fearful of using
                                                                                             it to address their financial pressures.
HECMs are FHA-insured and HUD-reg-             Recently, I helped a school administra-       Learning more about how it works is an
ulated. Put simply, they are home equity       tor, Dolores. After months of lockdown,       important first step in finding out if it may
mortgages that do not require monthly re-      the thought of physically returning to        be right for you, and if it can help secure
payment. Between 40 to 60% of a home’s         work made her anxious and panicky.            your financial future.
appraised property value can be loaned,        She lives in a blended family with adult                          n n n
depending on age. They can be used to          children and her 92-year-old mother; ev-      Your questions are welcomed and do not imply
pay off an existing mortgage, relieving the    eryone felt vulnerable for the family ma-     any obligation whatsoever. Contact Alice di-
homeowner from monthly mortgage pay-           triarch. The HECM provided Dolores a          rectly at 646-543-9262 or aliceinreverse@gmail.
ments, or used to create an additional in-     monthly supplemental income to her ear-       com. Alice Lee Tseng, Licensed Loan Originator
come stream. Or be used for both.              ly social security benefits, enabling her     Sponsored by AAG, NMLS ID: 974322

                                       westchesterseniorvoice.com        16   winter 2020-2021
When Choice Matters
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        Yorktown
                                                             Schedule a Tour Today
         Assisted Living Residence                                  Call 914-737-2255
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                                            Yorktown Assisted Living Residence is
                                            a luxury senior residence, comprised of
                                            separate assisted living and special needs              2300 Catherine Street
Offering All Inclusive                      memory support neighborhoods.                           Cortlandt Manor, NY 10567
                                                                                                    914.739.2244 | YorktownRNC.com
   Rates with No                            Our goal is to provide a personalized
                                                                                                    5 Star Overall Rated Skilled Nursing
                                            approach towards safety, happiness and
  Community Fee!                            wellbeing for each individual we serve. We
                                                                                                    Center with a full rehabilitative suite
                                                                                                    offering therapy 7 day per week
                                            pride ourselves in consistently providing
                                            every resident with the highest level of
                                            quality care and service.
                                            Offering a Separate Memory Care                         2300 Catherine Street
                                            Community with Private Accommodations!                  Cortlandt Manor, NY 10567
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                                            Around-the-Clock Care                                   Provided; Available Mon-Fri
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                                            Luxury Accommodations which include
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                                     winter 2020-2021   17   westchesterseniorvoice.com
HEALTH AND WELLNESS

                                              Improve Vision and Appearance for
                                              Droopy Eyelids                                     BY MAMTA V. SHAH, MD

Our eyes are thought to be our most           plays a large role in opening the eyelid           levator muscle to improve the field of vi-
effective means of nonverbal commu-           and keeping it open.                               sion and appearance. For dermatochala-
                                                                                                 sis, surgery involves removing the caus-
nication. They convey our emotions
                                              Age-related skin changes, sun exposure,            ative upper eyelid skin in a manner that
honestly and, often times, involuntarily.     and gravity over many years can take               still allows for good eyelid closure, cos-
                                              their toll on the levator muscle, causing it       mesis, and symmetry between both eye-
But what if droopy upper eyelids cover        to separate from its insertion on the eyelid       lids. These are usually outpatient proce-
your eyes or hinder your vision, prevent-     and leading to “ptosis,” one of the several        dures with a return to home on the same
ing you from seeing the eyes of others?       causes of a droopy upper eyelid. Other             day. Recovery is variable, but for most
                                              causes of ptosis include:                          patients, it takes about one to two weeks.
Droopy upper eyelids can both impede          n Hereditary ptosis                                Minor bruising or swelling can be expect-
this nonverbal communication and              n Excessive eye rubbing                            ed and will likely resolve during that time.
block vision, creating serious safety         n Traumatic injury to the nerve that stimu-
and quality of life issues. Droopy eye-       lates the levator muscle or to the muscle itself   In considering ptosis surgery, patients
lids may not be functionally bothersome       n Cataract surgery                                 should understand that even the most
but rather an aesthetic or cosmetic           n Stroke, tumors or diseases such as my-           skilled surgeon cannot control all the vari-
concern. They can impact your appear-         asthenia gravis                                    ables that determine the final position of
ance, making you look tired, sleepy, or                                                          the eyelid. It’s possible the eyelid will be
older than you may be.                        Normal age-related loss of skin elasticity and     higher or lower than desired, which can be
                                              weakening of the connective tissue of the up-      revised at a later point once swelling has
Droopy eyelids that limit or block vision     per eyelid may also lead to an appearance of       resolved. The vast majority of patients are
should be diagnosed and managed by a          excess or redundant upper eyelid skin that         pleased with the improved position of their
medical professional. Symptoms include:       “weighs” the eyelid down, touches the lid’s        lid(s) and their appearance. As with any
n Not being able to see the upper part of     margin and/or eyelashes, and in some cases         surgery there is potential risk for occur-
the visual field;                             causes a “hooding” effect on the lid. This is      rence of complications such as bleeding
n Forehead ache from increased effort         called “dermatochalasis,” another cause of a       and infection, though this is uncommon.
needed to raise the eyelids;                  droopy upper eyelid.                               Your surgeon will need to know about any
n Needing to tilt the head back or lifting                                                       blood-thinning medications you are on as
the eyelid with a finger to see from under    Whether you are bothered by the ap-                well as your detailed medical history.
the eyelid;                                   pearance of droopy eyelids or are ex-                                   n n n
n Eye strain and eye fatigue, especially      periencing functional vision impairment,                          Dr. Mamta Shah is an oculoplas-
when reading.                                 you should know that both ptosis and                              tic surgeon, board-certified by the
                                              dermatochalasis are treatable. Your pri-                          American Board of Ophthalmolo-
A thorough knowledge of the delicate up-      mary care physician can recommend                                 gy. She completed her medical
per eyelid anatomy helps diagnose each        a specialist known as an “oculoplastic                            degree at Boston University
                                                                                                                School of Medicine, and her resi-
patient’s specific concern. A group of        surgeon” who will conduct a thorough ex-           dency in Ophthalmology at SUNY Downstate
muscles work in synchrony to open and         amination to determine the cause of your           Medical Center in Brooklyn, NY. Dr. Shah com-
close the eyelids during one, single blink.   droopy eyelid(s) and, depending upon               pleted an Ophthalmic Plastic and Reconstruc-
Good eyelid closure keeps moisture in         severity, recommend either surgical or             tive Surgery fellowship at Allegheny Health Net-
and prevents the ocular surface from dry-     non-surgical treatment options.                    work in Pittsburgh, PA.        She practices at
                                                                                                 CareMount Medical’s Mount Kisco campus and
ing out or being exposed to harmful toxins
                                                                                                 at Putman Hospital Center and she is affiliated
in the environment. A specific upper eye-     For severe ptosis, surgery is usually rec-         with Northern Westchester Hospital. Learn
lid muscle, known as the levator muscle,      ommended to strengthen and tighten the             more at CareMountMedical.com

                                       westchesterseniorvoice.com          18   winter 2020-2021
Sit Down
    and Move!
                                                                                                                                       Greenwich
                                                                                                                             Excellence in Dementia Care

Social Creatures, a nonprofit organiza-
tion working to keep people socially con-
nected and to promote overall health and
happiness, has created Sitness, a new
fully-seated fitness program appropriate
for all ages and mobility levels. Requiring
no equipment, Sitness classes are led by
Alex Blunt (pictured below), a world class
trainer of elite and Olympic-level athletes.

Founder and Executive Director Rose
Perry, Ph.D., a neuroscientist and physiolo-
gist at New York University, comments, “We
are just doing our best to make sure everyone

                                                       DISCOVER
can stay active and socially connected dur-
ing the pandemic.” In response to the health
crisis, the team at Social Creatures acted
                                                                                                    The Greens at Greenwich
quickly to create this Zoom-based group fit-
ness class - born out of the lack of inclusive               Your silver lining, your answer for the best care
home group exercise offerings for people of                   for your loved one with memory impairment.
varying mobility. Says Perry, “We knew we
had to come up with a solution – and fast – to           The Greens at Greenwich has been providing excellence in Dementia Care
keep everyone physically active and socially              for over 20 years. Whether you call it memory care, Alzheimer’s Care or
connected throughout Covid-19.”                            Dementia Care, we are the silver lining for your loved ones new normal.

                                                                           Celebrating Your Loved Ones New Story
                                                            • Memory shifts and fades throughout our lives—it is a combination of
                                                                 partial memories, fiction and new realities—stories live forever.
                                                               • We celebrate the gift of the story through creative arts therapy,
                                                                           the new best medicine for memory care.
                                                      • We are the recognized leader in the field and the only assisted living community
                                                              to provide creative arts therapies by licensed and accredited staff.

                                                                                  Ensuring Safety and Clarity
                                                                 • We provide emotional, environmental and personal safety.
                                                            • Our staff is carefully selected for qualities of compassion, empathy
                                                                        and a passion for working with this population.
                                                        • Our extensive training and support are reflected in the longevity of our staff.
Classes are structured to include breath-
                                                                           Providing Dignity, Empowerment and Family
work and trunk stability instruction, mobil-
                                                       • We   understand  the  disease related to memory loss and guide your loved ones as
ity training, strength and cardiovascular
                                                             they change and help them find coping skills related to their new normal.
training, and a cool-down. Exercises vary
from week to week; some weeks focus                 • In their new journey they find empowerment and enrichment through daily activities and care.
more on one area than another, such as                               • New friendships and connections provide self affirmation.
the correct way to breath.
                                                                  Discover how The Greens Family may be your silver lining.
                                                                   We continue to be COVID-free. Conveniently located on
Those interested in the program can ei-
                                                                            the Westchester/Connecticut border.
ther go to YouTube.com and search for
“Sitness” to find the 40- to 50-minute
Zoom video classes that have already                              SCHEDULE A VIRTUAL TOUR TODAY.
been recorded, or reach out to Dr. Perry at                Call Maria Scaros, Executive Director • 203.531.5500
Rose@thesocialcreatures.org to get links             mscaros@thegreensatgreenwich.com • thegreensatgreenwich.com
to the live Zoom classes.

                                          winter 2020-2021   19   westchesterseniorvoice.com
THE ESSAYIST

                                       word play          BY KIM KOVACH

We all want to keep our minds sharp.          York Times crossword editor proposed in-     and strategies, and also to make social
Experts tell us to eat fish, stay hydrat-     cluding a crossword puzzle as a welcome      connections.” Sandi, a Westchester resi-
                                              distraction for readers shortly after the    dent, adds, “Playing board games gives
ed, exercise, and get enough quality
                                              U.S. entered into World War II. She re-      us a sense of accomplishment and it’s
sleep. But here’s a fun fact – you can        portedly sent a note to the Sunday editor    fun!” More word play games you may
boost mental agility and cognition by         ending with the heartfelt statement, “You    want to try include Blank Slate, Word-
playing word games!                           can’t think of your troubles while solving   smithery, Upwords, Boggle, and Quiddler.
                                              a crossword.” The first New York Times
Try solving the crossword puzzle in the       crossword appeared in their Sunday           THERE’S AN APP FOR THAT!
newspaper. Play word games on your            magazine on February 15, 1942.               Word game apps for your smartphone
smartphone while waiting in the doctor’s                                                   provide the convenience and portabil-
office. Turn the television off after din-    HUMBLE BEGINNINGS                            ity of boosting your brain power right in
ner and break out the board games for a       Perhaps you prefer a competitive game        the palm of your hand. New versions of
little cerebral fun.                          of Scrabble. The original idea for this      the popular game Words With Friends
                                              ubiquitous word game arose during the        now include solo challenge events and
“Use it or lose it,” as the saying goes. By   Great Depression. An unemployed archi-       lightning rounds. Sandi enjoys the social
simply sitting down to focus on a word        tect from Poughkeepsie, Alfred Mosher        aspect of playing Words With Friends
game or crossword puzzle, you are help-       Butts, wanted to create a challenging        online with a group. “I also discovered a
ing to boost word retrieval, expand your      word game that combined the elements         free app for a game called 7 Little Words
vocabulary, and stay mentally alert and       of skill, strategy and chance. Originally    which I’ve been playing a lot.”
active. Word games also improve prob-         called Lexiko and played with letter tiles
lem-solving skills, enhance concentra-        only, Alfred kept refining the game dur-     More word games you can play on your
tion and relieve stress!                      ing the 1930s and 1940s, adding a game       phone include Wordscapes (combin-
                                              board and changing the name to Criss-        ing crosswords and word search), Al-
HISTORY OF THE                                Cross Words. Unfortunately, game man-        phabear (a word strategy game), Four
CROSSWORD PUZZLE                              ufacturers were not interested.              Letters (a timed word search) and, of
The first crossword puzzle was published                                                   course, the New York Times Crossword
in the New York World newspaper in            Alfred then teamed up with entrepre-         and Scrabble.
1913. The paper’s editor had asked jour-      neur James Brunot to design the ver-
nalist Arthur Wynne to invent a new word      sion we know today. The name Scrab-          “Scrabble on the computer is unbeliev-
game to include in the Sunday entertain-      ble was trademarked in 1948. Legend          able!” says Sandi. “It’s a great way to learn
ment section. The first puzzle, published     has it that the president of Macy’s de-      strategies when the computer shows you
on December 21st of that year, was called     partment stores discovered the board         the best words you could have made with
Word Cross and designed in a diamond          game while on vacation in the early          your letters to score more points. So you
shape. Over the next 20 years, the new        1950s. Within a year, the game was           are playing, and having fun and learning
word game puzzle gained popularity in         sold in stores nationwide.                   - which is fantastic!”
newspapers across the U.S.                                                                                    n n n
                                              “I love Scrabble!” says Sandi Sacks, a                  Kim Kovach teaches fiction writing
The New York Times was the last ma-           social worker and lifelong learning advo-               and creative nonfiction writing for
jor daily newspaper to offer a crossword      cate. “Playing board games is important                 adults in Westchester and Fairfield.
puzzle. Margaret Farrar, the first New        for cognition when we try new challenges                www.kimkovachwrites.com

                                       westchesterseniorvoice.com      20   winter 2020-2021
Award Winning Care Only At The Osborn Pavilion

   The Osborn Pavilion is the only Skilled Nursing
   facility in Westchester County to be named a US
   News & World Report “Best Nursing Home” for both
   Short-Term Rehab and Long-Term Care in 2020.

   THE OSBORN PAVILION
   •5 Star overall rating from the Centers for Medicare
    Services (CMS) in 2018, 2019 and 2020
   •Preferred provider for Yale New Haven Health System                                                                                     For your safety,
                                                                                                                                         The Osborn adheres
   •Member of the Montefiore Skilled Nursing Collaborative                                                                                to CDC and NY State
                                                                                                                                         Department of Health
                                                                                                                                          protocols regarding
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   For information call (888) 9-OSBORN
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                                              SeniorVoice                                                                    We Specialize in Senior Lifetime
                                                         WESTCHESTER

                                          2020
                                                                                                                                 Learning Experiences

                                               RESOURCE GUIDE                                                                                  The Vacation Therapists®
                                                         BOOMERS and SENIORS
                                                                                                                                                  We Plan - You Relax
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                                                                                                                                                  845-669-6149

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      2020 Annual Resource Guide_NEWEST FORMAT.indd 69                                  12/23/2019 9:34:31 AM

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                                                                        winter 2020-2021                        21   westchesterseniorvoice.com
BOOMING BETTER TRAVEL

         The #1 Domestic Vacation                       BY FRANK BASTONE

Can you guess what the top domestic va-
cation was for North Americans in 2019?
If you said “Alaska,” you are correct!

More specifically, the winner was Alaska
cruises. According to a Travel Leaders
Group survey, 38 percent of respondents
booked a cruise to Alaska. In fact, it was
the top destination three years in a row.

One of the most popular ways to ex-
perience Alaska is with a land and sea
cruise tour. You may choose the land
portion prior to or after your cruise, but I
recommend the pre-cruise option to my
clients. This way, you can explore the
wonders of nature up-close, followed by
relaxation on your cruise ship as it trav-
els a southern itinerary along the Alas-
kan coast. A typical land tour includes
Denali State Park and Anchorage. The           Your final stop on the land excursion        is known as the “Salmon Capital of the
more adventurous fly into Fairbanks to         is Anchorage, which is near the Whit-        World” and it is truly the beginning of the
begin their Alaskan adventure and jour-        tier cruise port where you will embark       last frontier, located at the southernmost
ney southward.                                 for your cruise experience. One of           entrance to the Inside Passage. The
                                               the highlights of the cruise is spending     cruise ends in Vancouver, British Colum-
The Gold Rush town of Fairbanks is the         an entire day among the spectacular          bia, where you will disembark. You might
gateway to the Arctic. One of my clients       scenery and wildlife of Glacier Bay - a      spend a night there to explore the city or
selected the Arctic Circle Air and Land        UNESCO World Heritage site. The              fly home.
Adventure; with it, came stunning views        National Park rangers onboard provide
of the Yukon River Valley and the Trans-       expert and insightful narrations on what     Undoubtedly, there are many wonder-
Alaska Pipeline. They landed just east         can be seen from the deck. You might         ful experiences that await you on a
of the gates of the Arctic National Park       witness a breaching humpback whale           land and sea tour of Alaska. You may
and explored the amazing tundra with           or a family of bears feeding on salmon       even opt to include your children and
its stark landscape. Upon their return to      along the shoreline.                         grandchildren on the experience, as
Fairbanks, they were awarded an Arctic                                                      these family connections and memo-
Circle Adventure Certificate.                  Depending on the cruise itinerary, the       ries will last a lifetime. Due to their im-
                                               ports of call in Alaska could include        mense popularity, advance planning of
The two sister cruise lines Princess and       Skagway, Juneau, and Ketchikan.              between nine to 12 months is recom-
Holland America are the industry leaders       Skagway is home to the Klondike Gold         mended. So, make it a project, get all
for Alaska cruise tours. They each built       Rush National Historical Park. While         the travelers involved, and enjoy the fun
their own lodges (Wilderness Lodge and         there, you can take a Yukon Dog Mush-        and anticipation together.
McKinley Chalet) at the doorstep of De-        er Adventure Tour.                                                n n n
nali State Park. In addition, they operate
                                                                                                        Frank Bastone is the owner of Pin-
the largest fleet of glass-domed railcars      Juneau is one of the ports of the Inside                 nacle Trips, a travel advisory compa-
in Alaska - providing comfortable seating      Passage, which is one of the greatest                    ny specializing in domestic and inter-
with amazing views, spacious observa-          cruising routes in the world. It is a pro-               national vacations for baby boomers.
tion lounges, leisurely dining and out-        tected network of glacier-cut fjords and                 He can be reached at 845-669-6149
door viewing platforms.                        lush temperate rain forests. Ketchikan       or frank@pinnacletrips.com

                                        westchesterseniorvoice.com      22   winter 2020-2021
WELCOME TO THE KNOLLS!
       Enjoy an ideal retirement
        lifestyle in Westchester!
Discover Westchester’s most full-service retirement
community that offers:
  ● Maintenance-free living—no yard or housework
  ● 30 acres of stunning natural beauty
  ● Big, bright apartments in a variety of floor plans
  ● Amenities for socializing, hobbies, wellness and more
  ● A full spectrum of on-campus healthcare should you
    need it

   Contact The Knolls today.
         Call 914-721-0855 to set up                         55 Grasslands Road • Valhalla, NY 10595
         an appointment! It’s time to                             914-721-0855 • TheKnolls.org
         enjoy more of what you live in                      The Knolls is a Continuing Care Retirement
               Westchester for!                              Community or CCRC sponsored by Bethel.
                                                                                                          WSV

                              winter 2020-2021   23   westchesterseniorvoice.com
SENIORS LEADING THE WAY

  THE MANY FACES OF
  Volunteerism
  Three years ago, when Jackee Cannino
                                                                                                               BY ROSEMARY BLACK

  of Somers retired, she became one of
  850 active volunteers making a differ-
  ence in Westchester through RSVP
  of Westchester (Retired and Senior
  Volunteer Program) and its umbrella
  organization Volunteer New York!

  And while the pandemic has affected
  some of her volunteering efforts, it hasn’t
  dampened her commitment, enthusiasm
  and willingness to help out wherever
  needed. The former educator, who spent
  44 years as a teacher and school admin-
  istrator, is still providing rides to ages 60
  and older through RideConnect, a non-
  profit partner of RSVP of Westchester.

  “I’m a people person,” Cannino says.
  “And the people I have met while being
  a driver are some of the most incredible,
  intelligent, gifted, professional and in-
  teresting people you could ever hope to
  meet. I drove one man who is 102 years
  old and is still so active.”

  Devoting 15 hours a week to RSVP,                                                         Transformational Award Recipient Duke Searles
  Cannino is just one of many older West-
  chester County residents who volunteer,          though the pandemic has curtailed most         needs volunteers,” she says. “Seniors
  some of them logging 20 or more hours            face-to-face contact with many of those        bring a lot to the table. They have a wide
  weekly. They love what they do, and al-          they help, the volunteers continue to do       range of past experiences and volun-
                                                   a lot of behind-the-scenes work. Can-          teering lets them use their skills to effect
RideConnect, a not-for-profit program of Fam-      nino, for instance, spends time each           change and to feel engaged.”
ily Services of Westchester, has continued to      week on Zoom meetings for her various
serve the senior community during the pan-         volunteer commitments with RSVP, and           While some volunteer positions have dis-
demic - with open arms and hearts. Over 600        she is now on their advisory committee.        appeared, many others remain open. “A
volunteers signed up to help with their Shop and                                                  lot of the educational opportunities can
Drop program. In the course of three months,       RSVP of Westchester Director Wendy             be done over the phone or on Zoom,”
drivers delivered over 9,000 meals and grocer-     Armstrong notes there are scores of vol-       Armstrong says. “And we still need driv-
ies, "all because of the kindness of volunteers    unteer opportunities, even in the midst of     ers to help out. We also have an active
of all ages - from high school and all the way     the current health crisis. “Every one of the   Zoom program so volunteers can work
up," says RideConnect Director Karen Ganis.        organizations we work with consistently        with children and in other educational op-

                                            westchesterseniorvoice.com       24   winter 2020-2021
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