Senior GOTO Guide - Upper 2019 : simplebooklet.com

H ow do you plan for asset protection, considering the eventuality of long-term nursing home care? I refer to this as TITLE XIX/MEDICAID PLANNING.For most people, a stay in a nursing home is initially covered by Medicare after an individual has had at least a three-day hospital stay and has been referred to a nursing home for “skilled nursing care.” Medicare should then pay for the first 100 days of that stay, but often terminates Medicare coverage much sooner. After that, it is up to the individual to pay out of pocket. At the point when the individual is “spent down” and is below certain income and asset limits, Medicaid will pay for the stay. In Connecticut, Medicaid allows an applicant a maximum of $1,600 in assets and $2,135.32 in gross monthly income to be approved for eligibility. N.B.: A married couple, however, can preserve additional assets and income, i.e., half the joint assets up to a max half of $126,420 for the “community spouse” to retain and $2,894/mo. in gross income for a couple (#s as of 7/1/18). Excess assets would have to be spent down. By this point in life, most people have a home and have worked hard all their lives to pay for that home, and they would like to preserve it for their children/family. As far as Medicaid is concerned, that home is a countable asset unless the applicant’s spouse or dependent still lives there, or the applicant has the intent to return to live in the home, during which time the home would be considered an exempt asset. It would be natural to assume that you could, at that point, sign over the deed to the house to someone else. However, Medicaid has a five-year “look back period” and penalizes the applicant for the improper transfer of assets. As a result, Medicaid deems the applicant ineligible for the duration of the transfer penalty period. If your home is still in your own name, you may be forced to sell your home and spend down the proceeds on nursing home care before you are approved for Medicaid. N.B.: There are some exempt transfers that do not result in a penalty, i.e., transfer to a spouse or to an adult, live-in child who provided care to keep you out of a nursing home for two years prior to your application for benefits. Medical records and reports will be necessary to support this exempt transfer.One way to prevent this scenario is to plan far ahead and transfer your home to your children NOW and retain a life use to the property. There are pros and cons of this avenue, and it works fine as long as the transfer is completed five years prior to your application for benefits. By “retaining a life use,” you are protected as your children cannot sell or mortgage the property or kick you out. Further, you, as the life tenant, would be eligible to apply for a reverse mortgage if needed. The children would receive a step-up in basis to the date-of-death value of the home and thus avoid any capital gain when they go and sell the property. The retained life use, however, is considered an asset for Title XIX purposes, which life-use value is based on your life expectancy and the net value of the home at the time of application for benefits.Proper estate planning entails TITLE XIX/ MEDICAID PLANNING for long-term nursing home care, taking into consideration Medicaid’s five- year “look back period.” Be sure to consult with an experienced Elder Law attorney to discuss your TITLE XIX/MEDICAID PLANNING options. Attorney James M. Hughes1432 Post Road, Fairfield, CT 06824203-256-1977hughes_james@sbcglobal.net www.fairfieldctelderlaw.com Law Office of James M. Hughes Please call on us whenever we can be of service.Elder Law, Title 19/MEDICAID Planning and Spend-down Wills, Power of Attorney & Health Care Instructions • Veteran’s Benefits Trusts • Estates and Probate • Real EstateAttorney Hughes provides clients with high-quality legal services personalized for their unique needs. Please call us at 203-256-1977 to set up a convenient appointment.Law Office of James M. Hughes1432 Post Road, Fairfield, CT 06824203-256-1977 • E-mail: Hughes_james@sbcglobal.net • www.fairfieldctelderlaw.comby Attorney James M. HughesTITLE XIX/MEDICAID PLANNING4

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LOCAL BUSINESSES AND SERVICESFind the products and services that you need. 37 Professionals, Businesses and Services 40 Caregivers, Residential Facilities and Rehabilitation Facilities 44 Legal, Insurance, Real Estate, Mortgages/Reverse Mortgages and Financial Professionals 46 Cemeteries and Funeral HomesARTICLES 4 Title XIX/Medicaid Planning 8 Keep Smiling! 11 Laser Assisted Cataract Surgery Can Improve Your Vision 12 What is a Geriatric Assessment? 14 MAAP—Navigating the Journey Your Pet Will Take If You Cannot Care for It 17 Preplanning Your Funeral Makes Sense 18 Benefits of Owning a Pet 20 A Retirement “Tryout” 22 Understanding the Myths and Realities of a Reverse Mortgage 24 Celebrities in the County 28 Holographic Wills 29 Avoid Retirement Surprises 30 A New Kind of Long-Term Care Insurance 31 A Tax Break for the Elderly—With Strings 31 Money and Satisfaction 32 Pickleball—Fun for All! 33 Estate Planning Essentials 36 Senior Home Care and Residential Living Options 43 A Surprise Problem Upon Turning 100 67 Thank You Veterans! and information on VA Hospital ServicesTable of ContentsFor advertising info: Contact us toll free at 1-888-818-1232 or info@seniorgotoguide.comThe Senior GO TO Guide Resource Directory is published annually by the Merrill Anderson Co., Inc., 1166 Barnum Ave., Stratford, CT 06614. Every effort has been made to ensure that the information in the Guide is correct, but the publisher or its employees cannot be held responsible for any errors or omissions or damages or losses caused directly or indirectly by the information. © 2019 Merrill Anderson Co., Inc. All rights reserved. No part of this work may be copied or transmitted in any manner without written permission of the Publisher.GOVERNMENT AGENCIES AND RESOURCESYour community offers a wide range of services especially for seniors.34 Area Hospitals and Their Services for Seniors47 Southwestern Connecticut Agency on Aging 48 Bridgeport50 Easton52 Fairfield55 Monroe57 Shelton58 Stratford60 Trumbull63 Connecticut Health and Service Organizations63 National Health and Service Organizations65 Index6Live well, live long!With retirements lasting longer, it’s important to plan your future and live a healthy lifestyle so that your senior years will be truly golden.Please take advantage of the many great resources that are included in this edition of the Senior GO TO Guide. Most importantly, the Guide includes information on local com-panies, agencies, facilities and profes-sionals who are qualified, experienced and stand ready to assist you. Please call on them whenever a need arises and mention that you saw them in the Senior GO TO Guide.For the latest news and information on local events please visit our web-site at seniorgotoguide.com.Cheers! Thomas GerrityPublishertgerrity@seniorgotoguide.com To start or to make changes to your free subscription, please e-mail us at info@seniorgotoguide.com or call us at 1-888-818-1232.For information on local events visit seniorgotoguide.com.

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WITH THE RIGHT DENTAL CARE, YOU’LL LOOK AND FEEL BETTER.by Peter J.O’Connell, Editorial and Research AssociateKEEP SMILING!Whether you’re 9 or 99 years old, dental care is important. If you’re 65 or older, it’s especially important to keep a careful eye on your oral health as poor oral health can have a negative effect on your overall health and well-being, Gum disease has been potentially linked to a whole host of issues, including stroke, high blood pressure, and even heart disease.So as a senior, what should you do to protect your oral health and keep your gums and teeth healthy and happy?Brush gently and brush oftenWhen some people retire, their daily routines change, and they tend to overlook their health and wellness as a whole. In reality, you should do the opposite, especially when it comes to your dental health. As you get older, your teeth and gums inevitably have more “wear and tear” on them than when you were younger.This means that you need to be even more diligent with your oral health, and take the necessary steps to keep your teeth and gums clean. Most dentists recommend that you brush your teeth twice a day for approximately two minutes with fluoride toothpaste. It’s important to brush gently and thoroughly, but don’t overbrush. Brushing too hard (or using a toothpaste that is too abrasive) can actually wear down your teeth enamel.Floss every dayFlossing is such a simple habit, yet many people don’t do it. Most estimates put adults who floss daily at between 30%-50%. Flossing removes small food particles, debris, and bacteria from between your teeth, and can be done in less than a minute. If you’re a senior, and you’ve never made flossing part of your daily oral hygiene routine, get started now!If you wear removable dentures, keep them clean Many seniors are opting to replace their removable dentures with a fixed denture or dental implants. However, if you currently wear a removable denture, it’s important to clean it daily, because any bacteria or debris on your denture will likely come into contact with your gums, which could increase your chances of getting gum disease.Avoid dry mouth, stay hydratedThe older we get, the more prone we are to dry mouth, a condition in which saliva production decreases. Dry mouth can lead to a host of Continued on page 108

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9WITH THE RIGHT DENTAL CARE, YOU’LL LOOK AND FEEL BETTER.by Peter J.O’Connell, Editorial and Research AssociateKEEP SMILING!Whether you’re 9 or 99 years old, dental care is important. If you’re 65 or older, it’s especially important to keep a careful eye on your oral health as poor oral health can have a negative effect on your overall health and well-being, Gum disease has been potentially linked to a whole host of issues, including stroke, high blood pressure, and even heart disease.So as a senior, what should you do to protect your oral health and keep your gums and teeth healthy and happy?Brush gently and brush oftenWhen some people retire, their daily routines change, and they tend to overlook their health and wellness as a whole. In reality, you should do the opposite, especially when it comes to your dental health. As you get older, your teeth and gums inevitably have more “wear and tear” on them than when you were younger.This means that you need to be even more diligent with your oral health, and take the necessary steps to keep your teeth and gums clean. Most dentists recommend that you brush your teeth twice a day for approximately two minutes with fluoride toothpaste. It’s important to brush gently and thoroughly, but don’t overbrush. Brushing too hard (or using a toothpaste that is too abrasive) can actually wear down your teeth enamel.Floss every dayFlossing is such a simple habit, yet many people don’t do it. Most estimates put adults who floss daily at between 30%-50%. Flossing removes small food particles, debris, and bacteria from between your teeth, and can be done in less than a minute. If you’re a senior, and you’ve never made flossing part of your daily oral hygiene routine, get started now!If you wear removable dentures, keep them clean Many seniors are opting to replace their removable dentures with a fixed denture or dental implants. However, if you currently wear a removable denture, it’s important to clean it daily, because any bacteria or debris on your denture will likely come into contact with your gums, which could increase your chances of getting gum disease.Avoid dry mouth, stay hydratedThe older we get, the more prone we are to dry mouth, a condition in which saliva production decreases. Dry mouth can lead to a host of Complete Family, Cosmetic and Reconstructive Dental Services2499 Main StreetStratford, CT 06615(203) 378-5588MogelofDG@yahoo.comExperienced, excellent dental care provided by a dedicated staff of professionals in a comfortable, state-of-the-art ofﬁce.Dr. Andrew Mogelof DDS, FAGD, CDC, CFEDr. Scott Mogelof DMDDr. James PucciDMDDr. Andrew Mogelof - Voted a Top Dentist by his peers 10 years in a row by Connecticut Magazine.Dr. Scott Mogelof - Voted a Top Dentist by his peers 4 years in a row by Greenwich Magazine.Through the use of dental implants, we can make your dentures feel like your natural teeth. You will eliminate all of the hassles related to dentures, eat any foods that you want and improve your sense of taste. Dental implants are an affordable way to regain the feeling of having your own teeth again. LET US HELP YOU SMILETMWant to make your dentures feel like your real teeth?We provide care to our mature patients through careful, thorough diagnosis; individually designed treatment plans; and deﬁnitive care. We help our patients to reach the highest level of dental health possible and to maintain that result over their lifetime.Schedule A Visit Today!Call to schedule a convenient appointment. We welcome new patients!General Dentistry, Cosmetic and Reconstructive Services, including:• Implants• Porcelain veneers• Crowns and bridges• Full and partial dentures• Sedation• TMJ Treatmentwww.drmogelof.com9

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10dental and overall health problems. Because saliva cleans the mouth and remineralizes teeth, lack of sufficient saliva encourages cavity development and acid erosion.• Avoid mouthwashes with alcohol, as alcohol and toothpaste with sodium lauryl sulfate both promote dryness• Avoid caffeine, tobacco, and alcoholic beverages • Use sugar-free gum or lozenges to stimulate saliva production• Drink 8 to 10 glasses of pure water each day• Keep a humidifier on in your bedroom while you sleep• If your mouth is sore, avoid spicy or salty foodsLimit your soft drink intakeIt’s no secret that alcohol and tobacco products are bad for your teeth and gums, but so are soft drinks. We’re not saying that you shouldn’t ever drink a soft drink again, but you should be aware that some of them are highly acidic, and that acid can wear down your enamel over time.See a dentist regularlyIf you haven’t been to the dentist in a while, now is the perfect time to go ahead and schedule your next appointment. If you’re considering using a new dentist, please check out the excellent dentists listed here in the Senior GO TO Guide. All are highly rated and have a special interest in treating seniors. NCan You Upgrade Your Dentures?Many people believe that if they don’t like their dentures, there is no alternative available. This, however, is no longer accurate. Many people who wear dentures are good candidates for dental implants. Implants are tiny pieces of titanium that are implanted into the jawbone to keep dentures in place and restore a natural-tooth feel. • Implant supported dentures offer many benefits over traditional dentures. Including:• Greater stability, ensuring that your dentures do not slip and slide around.• Restore a more natural biting and chewing capacity.• Restore your ability to fully taste what you eat.• Decrease irritation of gum tissue.• Improve speech and confidence• Preserve your jawbone, preventing further deterioration. This is not only healthy for your mouth, but also it can improve your facial structure.Figuring out if you want to switch from traditional to implant-supported dentures is entirely personal and best decided after speaking with a dentist who specializes in prosthetic dental procedures.Continued from page 8

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by James R. Pinke, M.D.L aser assisted cataract surgery (LACS) is the newest evolutionary improvement in cataract surgery. This surgery offers patients increased precision and eliminates the need for blades to make incisions into the eye. I have always been at the forefront of cataract surgery improvements. As such I added LACS to my practice about three-and-one-half years ago, initially at the Wilton Surgery Center, because there was no laser more locally. It’s been almost two years since I brought laser assisted cataract surgery to the upper Fairfield, lower New Haven County area, specifically at the Milford-based Connecticut Eye Surgery Center. While laser does not replace all aspects of cataract surgery, it can reduce astigmatism using precise laser light and softens the cataract to facilitate easier removal of the cataract material. As the Medical Director of the Connecticut Eye Surgery Center in Milford, I recommend this new addition to cataract surgery care to all of my patients.Laser in conjunction with major improvements in intraocular lens technology in the past few years, allows me to improve distance vision, reading vision, and astigmatism in the vast majority of patients. Most patients who opt for advanced technology lens implants can look forward to not only excellent distance vision, but also markedly improved uncorrected intermediate and close vision after cataract surgery. In this new era of modern, gentle laser assisted surgery with multifocal lens implants, many patients no longer require glasses for any of their visual needs.In my practice at The Pinke Eye Center, we take the time to review in detail all of the modern options available to our patients regarding cataract care. We consider patient education to be extremely important. To that end we not only educate, but we also listen intently to allow us to fit the available technology to our individual patients’ needs. Patients are often surprised at the number of tests and sophisticated instruments we use to guide us toward the best treatment. We also offer second opinions and are often surprised at how few patients have been made aware of the modern alternatives, specifically laser assisted surgery and multifocal implants. N• Gentle, Bladeless Laser Assisted Cataract Surgery• Premium Multifocal & Astigmatic Lens Implants• Glaucoma/Diabetes/Macular Degeneration• Eyelid Plastic Surgery• Comprehensive Eye Care• Eyeglasses/Contact Lenses• Most Insurance Plans AcceptedJAMES R. PINKE, M.D.Board CertifiedPhysician/Surgeon(203) 924-88009 Cots Street, Shelton, CTpinkeeyecenter.comNew Patients Welcome!Get the highest quality eye care with courtesy, concern and compassion.Medical Director: CT Eye Surgery Center-Milford • Attending Surgeon: Griffin Hospital / Wilton Surgery CenterLaser Assisted Cataract Surgery Can Improve Your Vision11

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12F or older patients with multiple health problems, a comprehensive geriatric assessment is a good way to get a better understanding of your overall health and is a logical starting point for putting together the best care program for you.The benefits can be immediate and long-term, as was the case when my mother had a geriatric assessment done a few months shy of her 87th birthday. She was suffering from dementia, Parkinson’s, and depression, and we were at wit’s end in trying to figure out how best to care for her. As her primary caregiver, I accompanied her to the Geriatric Center. As staff members met with my mother to evaluate her physical and mental health, I met with other staff members so that they could get a fuller understanding of how my mother was functioning day to day. When we left about three hours later, we had a much better understanding of my mother’s ailments and a comprehensive plan for her care, including new prescriptions for treating the depression and dementia. In a matter of days, my mother’s depression was gone, and over the next couple of months, we noticed that her dementia had somewhat stabilized. And our frustration level was much lower because we had confidence that she was getting the right care.Here is some information on what’s involved and what to expect from a geriatric assessment.What is a Geriatric Assessment? What should I bring to a geriatric assessment?• All medicine containers• Medical records • Details of past illnesses, surgeries, allergies, etc. • Current insurance informationWhat should you expect during a geriatric assessment?A geriatric assessment may last two hours or more. During the assessment, geriatricians will work closely with a team of healthcare professionals−including clinical nurse specialists, social workers, physical therapists, and pharmacists−to complete a comprehensive evaluation. The team will evaluate and assess the patient’s physical health, mental health, functional status, social support system, and economic status, as well as the accessibility and safety of the person’s living environment. During the assessment, the person’s levels of social and emotional support and physical functioning will be evaluated. The nurse also will screen the patient for depression and memory impairment and gather information about social supports and living conditions.What is the cost of a geriatric evaluation and management assessment?Medicare Part B covers costs of the physician consultation and most private insurance plans. Medicare Part B also covers costs of diagnostic tests. Specialists may bill separately, but referrals for additional services will be reviewed with you before they are ordered. NWhat exactly is a geriatric assessment?A geriatric assessment is a consultative resource for patients, their family members and caregivers, and their primary care physicians.The assessment provides a comprehensive assessment of an older adult’s health issues in the context of social and family needs, and it provides a comprehensive plan for managing the person’s conditions and care.A geriatric assessment also provides education and patient-specific information about health problems, as well as information and access to community and private supports for patients and caregivers.When is a geriatric assessment appropriate?A geriatric management assessment is advised if you are concerned about your loved one’s ability to live independently or if the person is experiencing any combination of the following symptoms:• Multiple health problems• Confusion or memory loss• Behavioral changes, including sadness, depression, or anxiety• Difficulty performing daily activities• Balance and walking problems• Weakness, caused by deconditioning of the muscles or other health problems• Nutritional concerns, including unexplained weight loss• Problems related to the use of multiple medications, including dizziness or falls• Uncertainty about the person’s ability to live independently.by Thomas Gerrity, Publisher

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A Day Program where they’re always in good company.When you need Home Care, choose the team you already trust.Waveny Home Healthcare makes rehabilitation at home a realistic choice with our skilled team of visiting nurses, physical, occupational and speech therapists, and medical social workers.Waveny at Home offers a range of caregiving services provided by compassionate home health aides, certified nursing assistants, companions, live-in caregivers, and homemakers. Waveny brings the expertise, quality and local resources of a community-based healthcare system into your home. Learn how Waveny can come to you by calling 203.594.5249 or just visiting www.waveny.org. A nonproﬁt continuum of carethat’s planning ahead for you.Waveny’s Adult Day Program in New Canaan offers meaningful camaraderie and care in a secure setting for daytime caregiver relief. With ever-changing choices of recreational activities, hands-on personal care, managed medication, shower services, access to on-site therapies, and even overnight respite care, we serve the varied needs of seniors and their families. Free door-to-door transportation is provided throughout most of lower Fairfield County. Learn how to enjoy a free trial day by calling 203.594.5302 or visiting waveny.org. Daytime Caregiver Relief with Free Transportation13F or older patients with multiple health problems, a comprehensive geriatric assessment is a good way to get a better understanding of your overall health and is a logical starting point for putting together the best care program for you.The benefits can be immediate and long-term, as was the case when my mother had a geriatric assessment done a few months shy of her 87th birthday. She was suffering from dementia, Parkinson’s, and depression, and we were at wit’s end in trying to figure out how best to care for her. As her primary caregiver, I accompanied her to the Geriatric Center. As staff members met with my mother to evaluate her physical and mental health, I met with other staff members so that they could get a fuller understanding of how my mother was functioning day to day. When we left about three hours later, we had a much better understanding of my mother’s ailments and a comprehensive plan for her care, including new prescriptions for treating the depression and dementia. In a matter of days, my mother’s depression was gone, and over the next couple of months, we noticed that her dementia had somewhat stabilized. And our frustration level was much lower because we had confidence that she was getting the right care.Here is some information on what’s involved and what to expect from a geriatric assessment.What is a Geriatric Assessment? What should I bring to a geriatric assessment?• All medicine containers• Medical records • Details of past illnesses, surgeries, allergies, etc. • Current insurance informationWhat should you expect during a geriatric assessment?A geriatric assessment may last two hours or more. During the assessment, geriatricians will work closely with a team of healthcare professionals−including clinical nurse specialists, social workers, physical therapists, and pharmacists−to complete a comprehensive evaluation. The team will evaluate and assess the patient’s physical health, mental health, functional status, social support system, and economic status, as well as the accessibility and safety of the person’s living environment. During the assessment, the person’s levels of social and emotional support and physical functioning will be evaluated. The nurse also will screen the patient for depression and memory impairment and gather information about social supports and living conditions.What is the cost of a geriatric evaluation and management assessment?Medicare Part B covers costs of the physician consultation and most private insurance plans. Medicare Part B also covers costs of diagnostic tests. Specialists may bill separately, but referrals for additional services will be reviewed with you before they are ordered. NWhat exactly is a geriatric assessment?A geriatric assessment is a consultative resource for patients, their family members and caregivers, and their primary care physicians.The assessment provides a comprehensive assessment of an older adult’s health issues in the context of social and family needs, and it provides a comprehensive plan for managing the person’s conditions and care.A geriatric assessment also provides education and patient-specific information about health problems, as well as information and access to community and private supports for patients and caregivers.When is a geriatric assessment appropriate?A geriatric management assessment is advised if you are concerned about your loved one’s ability to live independently or if the person is experiencing any combination of the following symptoms:• Multiple health problems• Confusion or memory loss• Behavioral changes, including sadness, depression, or anxiety• Difficulty performing daily activities• Balance and walking problems• Weakness, caused by deconditioning of the muscles or other health problems• Nutritional concerns, including unexplained weight loss• Problems related to the use of multiple medications, including dizziness or falls• Uncertainty about the person’s ability to live independently.by Thomas Gerrity, Publisher

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Conflict Coaching and Mediation of Issues Over AnimalsHamilton Law and Mediation is a premier New York law firm focused on the resolution of conflicts over animals using Mediation and Collaborative Process.Conflicts between people over animals will always be with us. How we respond and resolve those con-flicts is changing. At Hamilton Law and Mediation, our focus is on the needs of our clients involved in a conflict about an animal BEFORE they resort to litigation.We work with pet owners who want to solve a conflict over a pet in a way that serves them and their pet. We also work with pet service providers who need a skill set to manage their expectations and their clients’ expectations in a way that addresses conflict early or, if missed, empowers them to solve conflicts for the benefit of all.Give us a call! We’re here and happy to help!Please contact us if you are having a conflict involving a beloved animal or have questions about our services. Debra Vey Voda-Hamilton info@hamiltonlawandmediation.com(914) 273-1085Visit our Web site at hamiltonlawandmediation.comWorkshops and Seminars• MAPPING the Journey Your Pets Take When You Can’t Take Care of Them Yourself Continuity of Care WorkshopFor Professionals and Service Providers• 4 Critical Steps To Keep Your Practice Profitable and Your Life Enjoyable Evaluate and Examine current best practices in business and client relationships.• 6 Tips to Address Disagreements and Make Every Client a Raving Fan Evaluate and Examine current best practices in a veterinary business and in client relationships• 3 Peaceful Ways to End Destructive Conversations About Animals One-day Conflict Conversation Workshop • 16-Hour Pet Professional Practice Program for Vets and all Animal Service Providers• 3 Critical Mistakes Breeders/Handlers and Owners Make That Nullify Their ContractsContact Debra directly at (914) 273-1085 to schedule a get-acquainted call prior to scheduling your workshop or seminar. When you share your life with an animal companion, planning for your loved one’s short-term and long-term care is imperative. They are counting on you to ensure their care no matter what. The older your pet is, the more they need a plan for future care. Most people believe setting up directives in their will for the future care of their pet is enough. But, what happens to your pet if the will is inoperative because you are not dead, or there is a delay in accessing your directives, or funds are in probate for six months to a year? What if the need to care for your pet is due to disaster, disability, disease, delay, or divorce? In these scenarios are you prepared? Have you answered key questions? By following four steps, you will gain peace of mind for the future care of your beloved companion. These tips will create a future pet care plan that your pets can live with. Start with drawing a MAAP. Make a plan outlining the care that you would like to have your pets receive. Address each of your pets and their unique needs. Appoint at least three caregivers; only one can be a family member. Publish your plans and keep them readily available.Make a plan outlining the kind of care that you would like your pet to receive. This directive assumes that you are permanently or temporarily incapable of personally providing the care your pet needs to receive. Your pet caregiver will be grateful that you provided this unique and individualized information.Address your pet’s individual uniqueness. List their identifying characteristics, including color, sex, age, and microchip number if applicable. This information will be invaluable to those left to care for your beloved companions. This outline should talk about their eating habits and personality traits. By creating this document, you enable the person caring for your pet to know its common behavior. This would allow another to step into your shoes. Appoint three pet caregivers to take over the current needs of your pet if life circumstances occur that limit your ability to care for them. Appointing three caregivers in succession helps hedge your bet. Only one family member can be appointed as a caregiver. This is very important. If you cannot care for your pets, chances are that you are in need of assistance with your own care. Your family will be providing it. Enabling them to have someone else look after your pets will be a welcome relief. Check in often to confirm with the people you have appointed to care for your pets that they still can. People may agree to care for your dog or cat when circumstances permit such care. MAAP— Navigating the Journey Your Pet Will Take If You Cannot Care for ItHowever, things change, and when called upon to take your pet, they may not be able to follow through. You need to know that before it occurs.Publish the plans that you make. Publishing your plan, your pet information, and the names of the three people whom you appointed to care for your pet helps those who have assumed the responsibility of caring for your pets know the who, what, and where of your pet care plan. Make sure that everyone in your life knows where this pet directive is, so they can easily access this important information upon your death, disability, disaster, disease, delay, or divorce. Did you know that sometimes it could take up to six months and often 12 months, to probate a Will? What happens to your pet in the meantime? Your Will does not protect your animals until it is read. Yet your pet needs those around you to know immediately how you want them cared for, who is available to help provide that care, and how they will get reimbursed for their generosity. You may consider setting aside funds to pay for this care. Setting money aside in a pet trust or annuity can be a lifesaver for your pet when it comes to their future care. Ask your financial advisor or estate planner questions as to how to provide funding to a pet trust or from an annuity. This MAAP for your pet’s future care should be created before something happens to you. It is not just about end of life dispersal of your pet. If you trip, fall, and injure yourself, who will take care of you and your companion while you heal? You are still alive, yet you cannot care for your pet, and it needs care immediately. Having a MAAP to follow, taking these lifesaving steps now, will ensure that your pet is well cared for in the event you cannot provide that care yourself. Be sure to visit our website for more information about creating a MAAP for your pets and to register for our next online pet care planning webinar. (It’s free to join us, and you’ll get some additional gifts to help you protect your pet even more!) N © HLM. All Rights Reserved.Debra’s dad with his beloved JuniDebra A. Vey Voda-Hamilton, Esq., MediatorHamilton Law and Mediationwww.hamiltonlawandmediation.comBy Debra A. Vey Voda-Hamilton, Esq., Mediator Hamilton Law and Mediation, PLLC14Continued on page 16

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When you share your life with an animal companion, planning for your loved one’s short-term and long-term care is imperative. They are counting on you to ensure their care no matter what. The older your pet is, the more they need a plan for future care. Most people believe setting up directives in their will for the future care of their pet is enough. But, what happens to your pet if the will is inoperative because you are not dead, or there is a delay in accessing your directives, or funds are in probate for six months to a year? What if the need to care for your pet is due to disaster, disability, disease, delay, or divorce? In these scenarios are you prepared? Have you answered key questions? By following four steps, you will gain peace of mind for the future care of your beloved companion. These tips will create a future pet care plan that your pets can live with. Start with drawing a MAAP. Make a plan outlining the care that you would like to have your pets receive. Address each of your pets and their unique needs. Appoint at least three caregivers; only one can be a family member. Publish your plans and keep them readily available.Make a plan outlining the kind of care that you would like your pet to receive. This directive assumes that you are permanently or temporarily incapable of personally providing the care your pet needs to receive. Your pet caregiver will be grateful that you provided this unique and individualized information.Address your pet’s individual uniqueness. List their identifying characteristics, including color, sex, age, and microchip number if applicable. This information will be invaluable to those left to care for your beloved companions. This outline should talk about their eating habits and personality traits. By creating this document, you enable the person caring for your pet to know its common behavior. This would allow another to step into your shoes. Appoint three pet caregivers to take over the current needs of your pet if life circumstances occur that limit your ability to care for them. Appointing three caregivers in succession helps hedge your bet. Only one family member can be appointed as a caregiver. This is very important. If you cannot care for your pets, chances are that you are in need of assistance with your own care. Your family will be providing it. Enabling them to have someone else look after your pets will be a welcome relief. Check in often to confirm with the people you have appointed to care for your pets that they still can. People may agree to care for your dog or cat when circumstances permit such care. MAAP— Navigating the Journey Your Pet Will Take If You Cannot Care for ItHowever, things change, and when called upon to take your pet, they may not be able to follow through. You need to know that before it occurs.Publish the plans that you make. Publishing your plan, your pet information, and the names of the three people whom you appointed to care for your pet helps those who have assumed the responsibility of caring for your pets know the who, what, and where of your pet care plan. Make sure that everyone in your life knows where this pet directive is, so they can easily access this important information upon your death, disability, disaster, disease, delay, or divorce. Did you know that sometimes it could take up to six months and often 12 months, to probate a Will? What happens to your pet in the meantime? Your Will does not protect your animals until it is read. Yet your pet needs those around you to know immediately how you want them cared for, who is available to help provide that care, and how they will get reimbursed for their generosity. You may consider setting aside funds to pay for this care. Setting money aside in a pet trust or annuity can be a lifesaver for your pet when it comes to their future care. Ask your financial advisor or estate planner questions as to how to provide funding to a pet trust or from an annuity. This MAAP for your pet’s future care should be created before something happens to you. It is not just about end of life dispersal of your pet. If you trip, fall, and injure yourself, who will take care of you and your companion while you heal? You are still alive, yet you cannot care for your pet, and it needs care immediately. Having a MAAP to follow, taking these lifesaving steps now, will ensure that your pet is well cared for in the event you cannot provide that care yourself. Be sure to visit our website for more information about creating a MAAP for your pets and to register for our next online pet care planning webinar. (It’s free to join us, and you’ll get some additional gifts to help you protect your pet even more!) N © HLM. All Rights Reserved.Debra’s dad with his beloved JuniDebra A. Vey Voda-Hamilton, Esq., MediatorHamilton Law and Mediationwww.hamiltonlawandmediation.comBy Debra A. Vey Voda-Hamilton, Esq., Mediator Hamilton Law and Mediation, PLLCPreplanning Your Funeral Makes Senseby Moriah Doyle MonsifGregory F. DoyleFUNERAL HOME &CREMATION SERVICEHandicapAccessibleFamily Owned& OperatedSince 1950“Our FamilyTakes Careof YourFamily WithCompassion& Dignity”Member of National& ConnecticutFuneral DirectorsAssociationwww.gregoryfdoylefuneralhome.comDirectors:Dorothy Doyle, Moriah Doyle Monsif,Conan J. Doyle, Dody Doyle, Andrea K. Rochniak Andrea K. Rochniak, Gregory F. Doyle (1918-2005), Colleen Doyle Britt (1950-2010)203-874-5641291 Bridgeport Avenue, MilfordUS Route 1, Rte I-95 Exit 34, Right .2 MilesDevon CenterWe O er:The Traditional FuneralPersonal Service 24 HoursMinimal Cost Cremations&BurialsShipping Ser vicePre-Arrangements & CounselingInformation Regarding Title XIXAt Home ArrangementsIrrevocable & Revocable TrustsTransferring of Funeral Trusts Moriah Doyle MonsifNewly renovated— including handicapped men’s and women’s restroomsN obody likes to think about the unfortunate reality that life eventually ends. However, a little forethought can make a big difference when it comes to funeral arrangements. By preplanning your funeral services, your loved ones can be saved any additional stress, while they are already grieving your passing, thus giving you peace of mind now and ensuring that all your wishes will be respected.Here are some reasons why funeral preplanning is so important:Make things easier for your loved onesThe best thing that you can do for your loved ones after your passing is to let them grieve in peace without worrying about time-sensitive funeral arrangements. When you preplan your funeral, you save your family from a rushed, emotional process.Save money by prepayingAlthough prepaying for funeral arrangements is not required, it’s a sensible financial decision. The costs for a funeral can occur at any time, causing stress and financial uncertainty. And the price for a funeral increases regularly. When you plan ahead and pay for your funeral, you lock in current pricing, avoiding future increases.Ensure that your wishes are followedDoes your family know where you wish to be buried, or where you want your services held? Every aspect of your funeral, from location to choosing cremation or burial, can be decided during funeral preplanning. And your loved ones will be confident that they are following your wishes.Preplanning a funeral doesn’t have to be hard. Please give us a call and we will give you full information on all of your options, so you can make an informed decision as to which arrangements will best suit your needs and desires.N 17

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It’s been said that the dog is man’s best friend. But it also could be said that animals of many kinds can be the best friends of both men and women—and good medicine, too! As Pet Partners puts it: “. . . an emerging body of research is recognizing the impact the human-animal bond can have on individual and community health.” And healthcare journalist Nicole Brierty points out: “. . . owning a pet could in fact improve your mental and physical state, especially in the elderly.” Additionally, a number of studies have indicated that, as one of them concludes: “Recognizing and nurturing the connection between animals and humans has potential implications for individual stability and health, improved economic outputs and healthcare cost savings”—including a decrease in doctor visits and the amount of time spent staying home sick.Benefits of Owning a Pet by Peter J. O’Connell, Editorial and Research AssociateYour heart, your pet Among the many good reasons for “putting a pet in your heart”—interacting with one (a gentle, friendly one, of course) over time—are the effects that an animal can have on cardiovascular health. Research has shown that, as scientist R.W. Byrne points out: “Just 15 minutes bonding with an animal sets off a chemical chain reaction in the brain, lowering the levels of the fight-or-flight hormone, cortisol, and increasing production of the feel-good hormone serotonin. The result: heart rate, blood pressure and stress levels immediately drop. Over the long term, pet and human interaction can lower cholesterol levels, fight depression and may even help protect against heart disease and stroke.” One study found that an automatic relaxation response triggered simply by the presence of a dog in a room with an individual actually lowered the person’s blood pressure better than taking a popular type of blood pressure medication. And heart-healthy effects are not limited to interactions with dogs. Noted veterinarian Dr. Marty Becker says: “If you have a cat, you’re 30 percent less likely to have a heart attack, and you’re 40 percent less likely to have a cardiovascular incident like a stroke.” In fact, studies have shown positive health effects from interactions with: birds, cats, crickets, dogs, fish, guinea pigs, hamsters, horses, rabbits, turtles, and more! Conditions, in addition to the cardio ones, showing such effects include: ADHD, allergies, Alzheimer’s and related conditions, anxiety, autism, chronic pain, colon cancer, fibromyalgia, depression, diabetes, immunodeficiency, lymphoma, migraines, problematic eating habits, PTSD, recovery from joint replacement surgery, stress, and more! For example, the American Diabetes Association has pointed out that one-third of pets living with diabetics change behavior when their owner’s blood glucose level becomes unstable; this change in the pet’s behavior can function as a warning to the owner. One of the leading benefits of pet ownership, particularly of dogs, is the incentive for physical activity that it provides. A new study, described by Dr. Karen Becker on healthypets.mercola.com, discovered that older adults who owned dogs walked almost 22 minutes per day more than a dog-less group, enough exercise “to meet the U.S. and international exercise recommendations for substantial health benefits.” Feeding, grooming, visiting veterinarians, playing with, and otherwise interacting with animals provide additional activity for pet owners, even those who do not have dogs to walk. More support, less stress Stress is harmful to both physical and mental/emotional health. Given the deleterious effects of stress, it’s important to note that, as an article from the National Center for Health Research puts it: “Findings suggest that the social support a pet provides can make a person feel more relaxed and decrease stress . . . . The social support provided by a pet might also encourage more social interactions with people, reducing feelings of isolation or loneliness.” With 75% of seniors living alone, this is obviously an important function offered by pet ownership. An example here would be the fact that a person’s walking with a dog has been found to increase contact and communication with other people, especially with strangers. In this connection, it might be mentioned that over the years men and women of all ages have found that being out and about with a pet can act as a “date magnet.” As WebMD puts it: “Forget Internet matchmaking—a dog is a natural conversation starter”!Many seniors struggle against depression. A pet can be a great ally in that struggle. As an article in SeniorHomes.com reports: “. . . caring for an animal requires a sense of responsibility and routine that may be lacking as older adults shed long-held work and social roles. Caring for a pet can provide purpose and establish a routine . . . .” In fact, research published in the Journal of Personality and Social Psychology shows that pet owners have stronger self-esteem, are more extroverted, and less fearful than people who don’t own pets. Among the mental and emotional benefits that pets offer are energy and enthusiasm, laughter and love. One psychotherapist notes that “Dogs and other pets live very much in the here and now. They don’t worry about tomorrow. And tomorrow can be very scary for an older person. By having an animal with a sense of now, it tends to rub off on people.” And another psychologist says, “Having a pet helps the senior focus on something other than physical problems and negative preoccupations about aging.” Veterinarian Marty Becker puts it well: “People who have pets are less harried; there’s more laughter in their life. When you come home, it’s like . . . . You’re a star.” And: “You might lose your job, your house, your 401(k)—but you’ll never lose the unconditional love of your pet.”N18

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20A Retirement “Tryout” by Thomas Gerrity, PublisherRetirement is sometimes defined in terms of what one is leaving behind—a career, difficult clients, job stress, the daily commute, the grind. But for retirement to be fully satisfying, according to many experts, one needs to retire to something, not just from something. Defining that “to” and giving it a tryout is what we mean by “pretesting” your retirement. Here are some examples.Donate your time and expertise. An attorney acquaintance of ours spent most of his career as in-house counsel for a major oil company. As he approached his retirement years, he arranged to be allowed to do pro bono legal work for immigrants. He found the experience so rewarding that after he started drawing his oil company pension, he founded a law firm specializing in such pro bono work. The “soft launch” of a retirement consultancy. Another acquaintance thought his years of experience in the banking business might be valuable in creating a marketing consultancy for financial services firms. Before he retired, this person tried out some of his ideas with the advertising agency that his bank used. Both sides found the experience valuable, and a basis was created for the individual’s new marketing firm. He was able to have a clear financial path to follow once his regular full-time employment ended.Try a month’s vacation. It would be a shame to retire to a quiet, secluded life-style, only to find it boring after a few months. Many retirees report that they miss the camaraderie of their working lives after they retire. Before deciding upon retirement relocation, it can be helpful to spend an extended period of time in the possible new location, to see what day-to-day life would be like there.As you conduct these tryouts, you should monitor your finances, noting any adjustments that may be required. You may find that your spending needs change or vary from your expectations, and that may influence your choice of a retirement start date. Testing the water early can head off unpleasant surprises after one enters retirement. By then, many decisions have become irreversible. N

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Managing a loved one’s healthcare can be taxing and all-consuming, which is why it’s so important for caregivers to take time for themselves. Waveny’s caregiver relief solutions can provide seniors and families with the help they need to make the most of everything, together. Daily: Take advantage of our vibrant Adult Day Program with free local transportation for daytime peace of mind. Overnight: Plan a getaway knowing overnight respite guests with Alzheimer’s and dementia can stay with us for as short as a week at The Village, our award-winning memory care community. At Home: Our trusted care can even come to you – whether skilled nurses and therapists, a live-in aide, or just a helping hand – through Waveny’s home-based services. You can choose any combination of our services and programs to meet your unique needs and preferences. Conveniently located in New Canaan, Waveny’s continuum of care flows fluidly within a single nonprofit organization, without any expensive buy-in fees or long-term commitments. So if downsizing into a caring and compassionate independent living or memory care community is something you’re considering, now is the perfect time to sample senior living with a 3-month trial at The Inn or The Village.Discover more by dropping by, calling 203.594.5302 or just visiting waveny.org.The Gift of Caregiver Relief.CALL TODAY! 203-618-4232 or visit nathanielwitherell.orgTHE CARE YOU NEED, CLOSE TO HOMEWe’ll help you get back to the life you love.SHORT-TERM REHABILITATIONShort-term Rehabilitation Services Rehabilitation facilities provide therapy for individuals recovering from surgery, illness or an accident. Generally, those needing short-term, in-patient rehabilitation may remain involved in their program at a facility for as little as a couple of days to as long as several weeks or more. Short-term rehabilitation programs help patients to achieve their maximum functional capacity and get back to their homes and community in the shortest time possible.Physical therapy is a health care specialty involved with evaluating, diagnosing and treating disorders of the musculoskeletal system. The goal of physical therapy is to restore maximal functional independence to patients.Occupational therapy is assessment and treatment whose goal is to recover and maintain the daily living and work skills of people with a physical, mental, or cognitive disorder. Occupational therapists also focus on identifying and eliminating environmental barriers to independence and participation in daily activities.Speech-language pathologists work to prevent, assess, diagnose, and treat speech, language, social communication, cognitive-communication, and swallowing disorders in children and adults.Introducing Our NEW Intensive Stroke Rehabilitation Program DIRECTED BY Neurologist: Daryl Story, Physiatrist: Claudio Petrillo and Pulmonologist: Donald McNicholA CARING Place Between Hospital & Home76 West Rocks Rd., Norwalk, CT 203.847.5893 • ndhrehab.orgNOTRE DAMEHealth and Rehabilitation CenterFORMERLY NOTRE DAME CONVALESCENT HOME21

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22T here are many misconceptions with financial programs, and the Reverse Mortgage is no exception. Many people think that Reverse Mortgage Loans are extremely complicated, but the following discussion of myths and tips will help guide you to make a decision that is right for you and your family’s needs as you navigate through the process. At Atlantic Home Loans, we make the process as easy as possible. Myth 1: The borrower is restricted on how to use the loan proceeds.Once any existing mortgage or lien has been paid off, the net loan proceeds from your Reverse Mortgage (also called an HECM loan—Home Equity Conversion Mortgage) can be used for any reason. Many borrowers use it to supplement their retirement income, delay receiving Social Security benefits, pay off debt, pay for medical expenses, remodel their home, or assist their adult children.Myth 2: The home must be free of any existing mortgages.A large percentage of borrowers use the reverse mortgage loan to pay off an existing mortgage and eliminate other monthly payments.Myth 3: Once loan proceeds are received, you pay taxes on them.Reverse Mortgage loan proceeds are tax free as they are not considered income. However, it is recommended that you consult your financial advisor and any government agencies for any effect on your individual taxes or government benefits.Myth 4: The lender owns the home.You will retain the title and ownership during the life of the loan, and you are free to sell your home or pay down the loan at any time. The loan is not due as long as you continue to meet loan obligations such as living in this home, maintaining the home according to the Federal Housing Administration (FHA) requirements, and keeping up to date the real estate taxes and homeowner’s insurance.Myth 5: Only those with no other assets typically need reverse mortgages.NQuite the contrary. Many affluent borrowers 62 and older with million-dollar homes and healthy retirement assets are using reverse mortgage loans as part of their estate planning. Many clients are working with their financial professionals and estate attorneys to use the reverse mortgage as a part of enhancing the quality and enjoyment of their life and the lives of those they love.Call me, Cindy Perham, Reverse Mortgage Specialist at Atlantic Home Loans, to see how a Reverse Mortgage can change your life.Cindy PerhamReverse Mortgage SpecialistAtlantic Home Loans222 Post Road, Suite 2621Fairfield, CT 06824(203) 521-0445 mobile(203) 454-1000, X 2104 office(203) 413-4423. faxcperham@atlantichomeloans.comNMLS #110424Understanding the Myths and Realities of a Reverse Mortgage by Cindy Perham, Reverse Mortgage Specialist, Atlantic Home LoansNEW INCREASED FHA LIMITS for Reverse Mortgages in 2019• Lower your cost of living during retirement• Increase your purchasing power• Eliminate monthly mortgage payments*• Rightsize to a smaller, lower-maintenance home• Buy a home closer to family and friends • Enjoy carefree living in a senior housing community*The borrower will be responsible for paying property charges, includinghomeowner's insurance, taxes, and maintenance of home for the term of the loan. Please contact me today for mortgage questions, live rate quotes, or a Reverse Mortgage Proposal! Atlan LICENSED MORTGAGE BANKERS Cindy PerhamReverse Mortgage SpecialistAtlantic Home Loans222 Post Road, Suite 2621 Fairfield, CT 06824(203) 521-0445 mobile(203) 454-1000, X 2104 office(203) 413-4423. faxcperham@atlantichomeloans.comNMLS #11042

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T here are many misconceptions with financial programs, and the Reverse Mortgage is no exception. Many people think that Reverse Mortgage Loans are extremely complicated, but the following discussion of myths and tips will help guide you to make a decision that is right for you and your family’s needs as you navigate through the process. At Atlantic Home Loans, we make the process as easy as possible. Myth 1: The borrower is restricted on how to use the loan proceeds.Once any existing mortgage or lien has been paid off, the net loan proceeds from your Reverse Mortgage (also called an HECM loan—Home Equity Conversion Mortgage) can be used for any reason. Many borrowers use it to supplement their retirement income, delay receiving Social Security benefits, pay off debt, pay for medical expenses, remodel their home, or assist their adult children.Myth 2: The home must be free of any existing mortgages.A large percentage of borrowers use the reverse mortgage loan to pay off an existing mortgage and eliminate other monthly payments.Myth 3: Once loan proceeds are received, you pay taxes on them.Reverse Mortgage loan proceeds are tax free as they are not considered income. However, it is recommended that you consult your financial advisor and any government agencies for any effect on your individual taxes or government benefits.Myth 4: The lender owns the home.You will retain the title and ownership during the life of the loan, and you are free to sell your home or pay down the loan at any time. The loan is not due as long as you continue to meet loan obligations such as living in this home, maintaining the home according to the Federal Housing Administration (FHA) requirements, and keeping up to date the real estate taxes and homeowner’s insurance.Myth 5: Only those with no other assets typically need reverse mortgages.NQuite the contrary. Many affluent borrowers 62 and older with million-dollar homes and healthy retirement assets are using reverse mortgage loans as part of their estate planning. Many clients are working with their financial professionals and estate attorneys to use the reverse mortgage as a part of enhancing the quality and enjoyment of their life and the lives of those they love.Call me, Cindy Perham, Reverse Mortgage Specialist at Atlantic Home Loans, to see how a Reverse Mortgage can change your life.Cindy PerhamReverse Mortgage SpecialistAtlantic Home Loans222 Post Road, Suite 2621Fairfield, CT 06824(203) 521-0445 mobile(203) 454-1000, X 2104 office(203) 413-4423. faxcperham@atlantichomeloans.comNMLS #110424Understanding the Myths and Realities of a Reverse Mortgage by Cindy Perham, Reverse Mortgage Specialist, Atlantic Home LoansNEW INCREASED FHA LIMITS for Reverse Mortgages in 2019• Lower your cost of living during retirement• Increase your purchasing power• Eliminate monthly mortgage payments*• Rightsize to a smaller, lower-maintenance home• Buy a home closer to family and friends • Enjoy carefree living in a senior housing community*The borrower will be responsible for paying property charges, includinghomeowner's insurance, taxes, and maintenance of home for the term of the loan. Please contact me today for mortgage questions, live rate quotes, or a Reverse Mortgage Proposal! Atlan LICENSED MORTGAGE BANKERS Cindy PerhamReverse Mortgage SpecialistAtlantic Home Loans222 Post Road, Suite 2621 Fairfield, CT 06824(203) 521-0445 mobile(203) 454-1000, X 2104 office(203) 413-4423. faxcperham@atlantichomeloans.comNMLS #1104223

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24Cheers (1982-1993) was one of the most popular shows in the history of television. And one of the show’s most popular characters was mail carrier Cliff. John Ratzenberger played Cliff and received Emmy nominations for his performance. John didn’t just play Cliff; he invented the role, which didn’t exist until John, auditioning for another role, suggested that there be a “bar know-it-all” and got the job by improvising hilariously. John was born in 1947 in Bridgeport and raised in Hungarian and Polish neighborhoods there. He worked blue-collar jobs until moving to Britain in the 1970s and beginning a career in the performing arts, particularly improvisation. He has worked in show business, wearing various “hats” ever since, including acting in over 40 films. Cheers was followed by various voice performances in animated Pixar features. For the past 20 years or so, John has been active in many ways in raising awareness about the Fairfield County is noted for the number of famous people born or raised in the area or who chose to make it their home for significant periods. These celebrities are a very diverse group. Let’s take a look at a few of them.by Peter J.O’Connell, Editorial and Research Associate Celebrities IN THE COUNTYBRIDGEPORT: JOHN RATZENBERGERPhoto Source: Wikimedia CommonsEASTON: DEBRAH FARENTINODebrah Farentino was born in California in 1959 but now lives on—and loves—a farm in Easton. She became a model and then began an acting career in 1982, when she was cast in the TV series Capital. She has since appeared in over 50 movies and TV shows, including NYPD Blue, The Outer Limits, JAG, CSI: Miami, Hawaii Five o, Wildfire, and Eureka. Perhaps her most noted role was as Devon Adair in the NBC series Earth 2, the first female commander depicted in a science-fiction work. Debrah also has produced specials importance of skilled trades and engineering disciplines. He also supports faith-based projects and has never lost touch with his beloved Bridgeport roots, though he currently lives in California with his second wife. In 2012 he seriously considered moving back to Connecticut to run for the U.S. Senate as a Republican. for CBS, including the acclaimed Saving America’s Heroes, and has appeared on CBS News as a special correspondent, covering the Guardian Angels’ anti-crime patrols and Air Force rescue units in Afghanistan. Additionally, this talented and resourceful woman is a trained precision driver, who can perform auto stunts but says, “My hobby is science—actually biology.” Debrah Farentino was chosen by People Magazine as one of “The 50 Most Beautiful People in the World” at a time when she was pregnant with Sophie, the second of her two daughters.Photo Source: Wikimedia CommonsMcCormick Sturm in 1949, Strum, Ruger & Company, became world prominent and the largest manufacturer of firearms in the U.S. Historian and biographer R.L. Wilson writes: “Ruger was a true firearms genius who mastered the disciplines of inventing, designing, engineering, manufacturing and marketing better than anyone since Samuel Colt. No one in the 20th century so clearly dominated the field, or was so skilled at articulating the unique appeal of quality firearms for legitimate uses.” Interestingly, in the 1980s Bill Ruger became controversial for advocating a form of gun control—prohibition of high-capacity magazines—that has gone into effect, in some states, including Connecticut, only in recent years. In addition to his business activities, William B. Ruger was a notable collector of art, antiques, and classic cars and a supporter of numerous charities. FAIRFIELD: WILLIAM B. RUGERBill Ruger (1916-2002) was considered a genius in his field. His field was firearms, and he lived in Fairfield, where he located his company’s headquarters. Born in Brooklyn, N.Y., Bill acquired a passion for firearms when his father gave him the gift of a rifle at age 12. But Bill had a passion not simply for possession of firearms but also for designing them. While a college student, making drawings on a relative’s dining room table and turning an empty room into a machine shop, he designed a machine gun that the U.S. Army liked so much that Bill decided on a career as a full-time gun designer. For more than a half-century thereafter, Bill Ruger helped invent and patent scores of firearms for hunting, target shooting, collecting, self-defense, law enforcement, and national defense. The company that he founded with Alexander SHELTON: ISAAC HULLMost of the thousands of motorists who every day cross Commodore Isaac Hull Memorial Bridge connecting Shelton and Derby probably are not familiar with the life of the man for whom the bridge is named. They should be, for he was a great patriot and national hero, with a long and storied military career. As one account puts it, he made an “immeasurable contribution to . . . national self-Photo Source: Pinterestesteem and the navy’s tradition for . . . two centuries.” Naming the bridge between Shelton and Derby after Isaac Hull is appropriate, for Isaac was most likely born, in 1773, in what is now Shelton but was then still part of the town of Derby. Isaac always loved his home area but began going to sea with his mariner father at the age of 14. By the age of 19, he was commanding merchant vessels himself. In 1798 he was commissioned a lieutenant Photo Source:Wikipedia

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25Cheers (1982-1993) was one of the most popular shows in the history of television. And one of the show’s most popular characters was mail carrier Cliff. John Ratzenberger played Cliff and received Emmy nominations for his performance. John didn’t just play Cliff; he invented the role, which didn’t exist until John, auditioning for another role, suggested that there be a “bar know-it-all” and got the job by improvising hilariously. John was born in 1947 in Bridgeport and raised in Hungarian and Polish neighborhoods there. He worked blue-collar jobs until moving to Britain in the 1970s and beginning a career in the performing arts, particularly improvisation. He has worked in show business, wearing various “hats” ever since, including acting in over 40 films. Cheers was followed by various voice performances in animated Pixar features. For the past 20 years or so, John has been active in many ways in raising awareness about the Fairfield County is noted for the number of famous people born or raised in the area or who chose to make it their home for significant periods. These celebrities are a very diverse group. Let’s take a look at a few of them.by Peter J.O’Connell, Editorial and Research Associate Celebrities IN THE COUNTYBRIDGEPORT: JOHN RATZENBERGERPhoto Source: Wikimedia CommonsEASTON: DEBRAH FARENTINODebrah Farentino was born in California in 1959 but now lives on—and loves—a farm in Easton. She became a model and then began an acting career in 1982, when she was cast in the TV series Capital. She has since appeared in over 50 movies and TV shows, including NYPD Blue, The Outer Limits, JAG, CSI: Miami, Hawaii Five o, Wildfire, and Eureka. Perhaps her most noted role was as Devon Adair in the NBC series Earth 2, the first female commander depicted in a science-fiction work. Debrah also has produced specials importance of skilled trades and engineering disciplines. He also supports faith-based projects and has never lost touch with his beloved Bridgeport roots, though he currently lives in California with his second wife. In 2012 he seriously considered moving back to Connecticut to run for the U.S. Senate as a Republican. for CBS, including the acclaimed Saving America’s Heroes, and has appeared on CBS News as a special correspondent, covering the Guardian Angels’ anti-crime patrols and Air Force rescue units in Afghanistan. Additionally, this talented and resourceful woman is a trained precision driver, who can perform auto stunts but says, “My hobby is science—actually biology.” Debrah Farentino was chosen by People Magazine as one of “The 50 Most Beautiful People in the World” at a time when she was pregnant with Sophie, the second of her two daughters.Photo Source: Wikimedia CommonsMcCormick Sturm in 1949, Strum, Ruger & Company, became world prominent and the largest manufacturer of firearms in the U.S. Historian and biographer R.L. Wilson writes: “Ruger was a true firearms genius who mastered the disciplines of inventing, designing, engineering, manufacturing and marketing better than anyone since Samuel Colt. No one in the 20th century so clearly dominated the field, or was so skilled at articulating the unique appeal of quality firearms for legitimate uses.” Interestingly, in the 1980s Bill Ruger became controversial for advocating a form of gun control—prohibition of high-capacity magazines—that has gone into effect, in some states, including Connecticut, only in recent years. In addition to his business activities, William B. Ruger was a notable collector of art, antiques, and classic cars and a supporter of numerous charities. FAIRFIELD: WILLIAM B. RUGERBill Ruger (1916-2002) was considered a genius in his field. His field was firearms, and he lived in Fairfield, where he located his company’s headquarters. Born in Brooklyn, N.Y., Bill acquired a passion for firearms when his father gave him the gift of a rifle at age 12. But Bill had a passion not simply for possession of firearms but also for designing them. While a college student, making drawings on a relative’s dining room table and turning an empty room into a machine shop, he designed a machine gun that the U.S. Army liked so much that Bill decided on a career as a full-time gun designer. For more than a half-century thereafter, Bill Ruger helped invent and patent scores of firearms for hunting, target shooting, collecting, self-defense, law enforcement, and national defense. The company that he founded with Alexander SHELTON: ISAAC HULLMost of the thousands of motorists who every day cross Commodore Isaac Hull Memorial Bridge connecting Shelton and Derby probably are not familiar with the life of the man for whom the bridge is named. They should be, for he was a great patriot and national hero, with a long and storied military career. As one account puts it, he made an “immeasurable contribution to . . . national self-Photo Source: Pinterestesteem and the navy’s tradition for . . . two centuries.” Naming the bridge between Shelton and Derby after Isaac Hull is appropriate, for Isaac was most likely born, in 1773, in what is now Shelton but was then still part of the town of Derby. Isaac always loved his home area but began going to sea with his mariner father at the age of 14. By the age of 19, he was commanding merchant vessels himself. In 1798 he was commissioned a lieutenant Photo Source:WikipediaContinued on page 26

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26from Connecticut were soon put to the test when the War of 1812 began. In July of that year, the Constitution made a daring escape from five pursuing British ships. The escape took 64 hours with the enemy vessels in sight at all times. Captain Hull at times even used longboats, which his sailors rowed, to tow the Constitution. A month later the Constitution encountered HMS Guerriere, and a fierce, classic battle at sea ensued. It was from this battle that the Constitution acquired the memorable name “Old Ironsides,” for cannonballs bounced off some in the newly formed United States Navy and distinguished himself during the troubles with France at that time known as the Quasi-War and in the conflicts with the Barbary States of North Africa in the first years of the 19th century. By 1806 Isaac had become a captain. In 1810 he assumed command of the heavy frigate USS Constitution. There were disciplinary problems in the service at that time. But according to one historian, Isaac Hull was perhaps the “most popular captain in the service” and the “greatest all-round seaman in the navy.” The skills of the captain of the hard planks from which the ship was constructed. The battle ended with a great morale-boosting victory for the Americans. The Secretary of the Navy wrote Captain Hull: “In this action we know not most to applaud, your gallantry or your skill. You and your crew are entitled to and will receive the applause and gratitude of your grateful country.” And they did. After the war Isaac Hull continued to serve his country as Commandant of various Navy Yards and Commodore of the Mediterranean Squadron. He died in 1843. Harvey Hubbell II, born in 1857 to a family with Trumbull roots, is an outstanding example of a classic American type. He was a “tinkerer,” who, always looking to make things more convenient and efficient, steadily moved from invention to invention, enterprise to enterprise, until he eventually became—like his contemporaries Edison, Ford, and Westinghouse—one of the country’s major industrialists, contributing both to new product design and manufacturing innovation. Harvey’s first work experience was with manufacturers of marine engines and printing machinery, but he resigned as manager at one of these firms in 1888 and opened his own manufacturing facility in Bridgeport. There and at successively larger facilities that he soon established, he began to design and patent such items as a paper roll holder, tapping machines, blanking and framing dies, and machinery for making TRUMBULL: HARVEY HUBBELL IIscrews and small parts. Harvey soon turned his attention to new ways to utilize and control electricity. It is said that his interest in these new ways was spurred by a walk through New York City in which he observed the problems that a janitor in an arcade was having in dealing with some electrical games. In 1896 Harvey patented the now-familiar on/off pull chain for electrical devices. Seemingly simple, it was actually a major innovation. Another such major electrical innovation came in 1904: separable plugs in different configurations on a single flush-mounted receptacle. More new products soon followed: cartridge fuses and the fuse block, lamp solders, key sockets, etc., etc. Eventually, Harvey patented at least 45 inventions. His company offered 63 electrical products in 1901 and a thousand in 1917. In 1905 the company took the name that it holds today, Harvey Hubbell, Incorporated. By the time that Harvey Hubbell II died in 1927, he and his corporation had become key to the spread of electrical power throughout the U.S. The corporation, run by Harvey’s son for many years, is now a massive and diverse one, headquartered in Shelton and operating worldwide.Photo Source: Wikimedia Commonsin many of the “anthology series” of the early years of TV. She made her Broadway debut in 1957. Around that time she fell in love with Stratford, while playing leading roles at the American Shakespeare Festival Theatre there. Roles in a number of movies and TV series kept coming along over the years. But none had as great an impact as her memorable performances as the patrician newspaper publisher, Mrs. Pynchon, in the long-running TV series Lou Grant in the 1970s and ’80s and as the murderous “Mafia mom,” Livia, in The Sopranos series in the late 1990s. Nancy and Paul lived their last years in a house in the Lordship section of Stratford. Nancy Marchand died in 2000, a day before her 72nd birthday, and a few months after her beloved husband’s death. Distinguished character actress Nancy Marchand ruled her roles with great talent. And her roles often were those of women who “ruled”—savvy and imperious authority figures such as newspaper publishers, queens, grande dames, even a madam and a mob matriarch. Her distinctive physical presence, which she once described as a “strange combination of being very imposing and down-to-earth,” helped her have success playing such characters. And that success came to her both on and off Broadway, in regional theater, and in films and television. For her achievements she was inducted into the American Theatre Hall of Fame and received numerous awards and award nominations. Her journey to fame began in Buffalo, New York, where she was born in 1928. After graduating from Carnegie Institute in 1949, she met and married actor Paul Sparer, while both were performing in productions of Shakespeare and Shaw in Boston. The couple had three children and remained married until Paul’s death in 1999. After marrying, Nancy and Paul moved to New York, and Nancy appeared Photo Source: Wikimedia CommonsMONROE: ED AND LORRAINE WARREN “Who ya gonna call?” If bothered by ghosts, demons, poltergeists, or other such paranormal pests, the answer for many people for many years was not the comical eponymous “Ghostbusters” of the 1980s hit movie referenced in that line from its catchy theme song. It was Ed and Lorraine Warren, once described as “essentially ordinary people who happen to do highly extraordinary work.” That extraordinary work was as paranormal investigators and author/lecturers associated with some of the most notorious cases of alleged hauntings and possessions, including: the Annabelle Higgins case about a possessed doll; the “Amityville Horror” case; the Snedeker case about demons infesting a Connecticut home. Reports by the Warrens about their cases have inspired dozens of films, TV shows, and books. There have been 17 films in the “Amityville Horror” series alone. The Warrens carried out much of their work in conjunction with the New England Society for Psychic Research (NESPR), which Ed and Lorraine founded in 1952. It is the oldest “ghost hunting” group in New England. Ed and Lorraine’s own story is a love story, not a horror story. They met in 1943 in a Bridgeport movie theatre, where Ed was an usher. Lorraine was a student at Lauralton Hall in Milford. They married two years later, while Ed was in the Navy. Ed always said that he was raised in a haunted house until the age of 12. But he and Lorraine did not begin their career as investigators of the “dark side” until the 1950s, when Ed, an artist, began selling drawings of houses believed to be haunted. The Warrens always said that they used science in their work, and that criticism of their claims is based on an inadequate understanding of the truths of religion. Ed passed away in 2006 at the age of 79, and Lorraine (born in 1927) has now retired from active investigations but presides over the Occult Museum in the Warrens’ longtime home in Monroe. Son-in-law Tony Spera carries on Ed and Lorraine Warren’s work. NPhoto Source: PinterestSTRATFORD: NANCY MARCHANDContinued from page 25

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27from Connecticut were soon put to the test when the War of 1812 began. In July of that year, the Constitution made a daring escape from five pursuing British ships. The escape took 64 hours with the enemy vessels in sight at all times. Captain Hull at times even used longboats, which his sailors rowed, to tow the Constitution. A month later the Constitution encountered HMS Guerriere, and a fierce, classic battle at sea ensued. It was from this battle that the Constitution acquired the memorable name “Old Ironsides,” for cannonballs bounced off some in the newly formed United States Navy and distinguished himself during the troubles with France at that time known as the Quasi-War and in the conflicts with the Barbary States of North Africa in the first years of the 19th century. By 1806 Isaac had become a captain. In 1810 he assumed command of the heavy frigate USS Constitution. There were disciplinary problems in the service at that time. But according to one historian, Isaac Hull was perhaps the “most popular captain in the service” and the “greatest all-round seaman in the navy.” The skills of the captain of the hard planks from which the ship was constructed. The battle ended with a great morale-boosting victory for the Americans. The Secretary of the Navy wrote Captain Hull: “In this action we know not most to applaud, your gallantry or your skill. You and your crew are entitled to and will receive the applause and gratitude of your grateful country.” And they did. After the war Isaac Hull continued to serve his country as Commandant of various Navy Yards and Commodore of the Mediterranean Squadron. He died in 1843. Harvey Hubbell II, born in 1857 to a family with Trumbull roots, is an outstanding example of a classic American type. He was a “tinkerer,” who, always looking to make things more convenient and efficient, steadily moved from invention to invention, enterprise to enterprise, until he eventually became—like his contemporaries Edison, Ford, and Westinghouse—one of the country’s major industrialists, contributing both to new product design and manufacturing innovation. Harvey’s first work experience was with manufacturers of marine engines and printing machinery, but he resigned as manager at one of these firms in 1888 and opened his own manufacturing facility in Bridgeport. There and at successively larger facilities that he soon established, he began to design and patent such items as a paper roll holder, tapping machines, blanking and framing dies, and machinery for making TRUMBULL: HARVEY HUBBELL IIscrews and small parts. Harvey soon turned his attention to new ways to utilize and control electricity. It is said that his interest in these new ways was spurred by a walk through New York City in which he observed the problems that a janitor in an arcade was having in dealing with some electrical games. In 1896 Harvey patented the now-familiar on/off pull chain for electrical devices. Seemingly simple, it was actually a major innovation. Another such major electrical innovation came in 1904: separable plugs in different configurations on a single flush-mounted receptacle. More new products soon followed: cartridge fuses and the fuse block, lamp solders, key sockets, etc., etc. Eventually, Harvey patented at least 45 inventions. His company offered 63 electrical products in 1901 and a thousand in 1917. In 1905 the company took the name that it holds today, Harvey Hubbell, Incorporated. By the time that Harvey Hubbell II died in 1927, he and his corporation had become key to the spread of electrical power throughout the U.S. The corporation, run by Harvey’s son for many years, is now a massive and diverse one, headquartered in Shelton and operating worldwide.Photo Source: Wikimedia Commonsin many of the “anthology series” of the early years of TV. She made her Broadway debut in 1957. Around that time she fell in love with Stratford, while playing leading roles at the American Shakespeare Festival Theatre there. Roles in a number of movies and TV series kept coming along over the years. But none had as great an impact as her memorable performances as the patrician newspaper publisher, Mrs. Pynchon, in the long-running TV series Lou Grant in the 1970s and ’80s and as the murderous “Mafia mom,” Livia, in The Sopranos series in the late 1990s. Nancy and Paul lived their last years in a house in the Lordship section of Stratford. Nancy Marchand died in 2000, a day before her 72nd birthday, and a few months after her beloved husband’s death. Distinguished character actress Nancy Marchand ruled her roles with great talent. And her roles often were those of women who “ruled”—savvy and imperious authority figures such as newspaper publishers, queens, grande dames, even a madam and a mob matriarch. Her distinctive physical presence, which she once described as a “strange combination of being very imposing and down-to-earth,” helped her have success playing such characters. And that success came to her both on and off Broadway, in regional theater, and in films and television. For her achievements she was inducted into the American Theatre Hall of Fame and received numerous awards and award nominations. Her journey to fame began in Buffalo, New York, where she was born in 1928. After graduating from Carnegie Institute in 1949, she met and married actor Paul Sparer, while both were performing in productions of Shakespeare and Shaw in Boston. The couple had three children and remained married until Paul’s death in 1999. After marrying, Nancy and Paul moved to New York, and Nancy appeared Photo Source: Wikimedia CommonsMONROE: ED AND LORRAINE WARREN “Who ya gonna call?” If bothered by ghosts, demons, poltergeists, or other such paranormal pests, the answer for many people for many years was not the comical eponymous “Ghostbusters” of the 1980s hit movie referenced in that line from its catchy theme song. It was Ed and Lorraine Warren, once described as “essentially ordinary people who happen to do highly extraordinary work.” That extraordinary work was as paranormal investigators and author/lecturers associated with some of the most notorious cases of alleged hauntings and possessions, including: the Annabelle Higgins case about a possessed doll; the “Amityville Horror” case; the Snedeker case about demons infesting a Connecticut home. Reports by the Warrens about their cases have inspired dozens of films, TV shows, and books. There have been 17 films in the “Amityville Horror” series alone. The Warrens carried out much of their work in conjunction with the New England Society for Psychic Research (NESPR), which Ed and Lorraine founded in 1952. It is the oldest “ghost hunting” group in New England. Ed and Lorraine’s own story is a love story, not a horror story. They met in 1943 in a Bridgeport movie theatre, where Ed was an usher. Lorraine was a student at Lauralton Hall in Milford. They married two years later, while Ed was in the Navy. Ed always said that he was raised in a haunted house until the age of 12. But he and Lorraine did not begin their career as investigators of the “dark side” until the 1950s, when Ed, an artist, began selling drawings of houses believed to be haunted. The Warrens always said that they used science in their work, and that criticism of their claims is based on an inadequate understanding of the truths of religion. Ed passed away in 2006 at the age of 79, and Lorraine (born in 1927) has now retired from active investigations but presides over the Occult Museum in the Warrens’ longtime home in Monroe. Son-in-law Tony Spera carries on Ed and Lorraine Warren’s work. NPhoto Source: PinterestSTRATFORD: NANCY MARCHAND

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and one in ten to age 95. You may calculate your own life expectancy with the calculator found at https://www.ssa.gov/planners/lifeexpectancy.html.How much will you need?Developing a realistic retirement budget is an important exercise, one that requires an examination of values as much as resources. Some people enjoy living rather modestly during retirement. But one retiree we know says, “Life is too short to drink cheap wine.” The retirement budget needs to be understood from three perspectives.Essential versus discretionary spending. Which expenditures could be curtailed, even eliminated, in the event of financial reversals? Food is essential; restaurant dining is not. Is there room in the budget for savings?Structural versus peripheral expenses. Some costs are binding, not subject to modification, and failure to meet them means a structural change in retirement. If you own real property, you must pay the taxes. If you have a mortgage, you must make the payments. If you own a car, you have to pay for routine maintenance. Trips, vacations, and gifts, in contrast, are peripheral expenses.Fixed versus inflation-prone costs. Inflation has been very mild in recent years, but this may not be a permanent condition. Most retirement expenses are vulnerable to inflation, while retirement income generally is fixed. The response to inflation may include cutting back on optional purchases or substituting less expensive items for those that become unaffordable.Understand also that long, modern retirements typically include three phases:• active retirement, filled with travel and pursuit of deferred dreams;• passive retirement, typically beginning in the mid-70s, when activities are gradually reduced; and• final retirement, a period often marked by failing health and a need for long-term care.A different retirement budget applies to each of these three periods. NT he latest news on retirement preparedness is not encouraging. An estimated 40% of households headed by people aged 55 through 70 are unlikely to have sufficient resources to maintain their standard of living, according to a Wall Street Journal analysis. The median 401(k) account balance for this group is just $135,000, which might be enough for a $600 per month joint life annuity for a couple aged 65 and 62. More troubling, the debt for this cohort is on the rise. New York Federal Reserve data indicate that those aged 60 through 69 had about $2 trillion in total debt, an 11% increase since 2004. Car loan debt was up 25%, and student loan debt increased by a factor of 6!More and more people will have to work longer to achieve the level of financial independence necessary for retirement security.How long should you plan for?At the same time, life expectancies are improving, and that raises the financial stakes still further. According to the Social Security Administration, men who turned 65 in 2018 will, on average, live to age 84.3, and women to age 86.7. Many retirements will last for 25 or 30 years. About one in four of those now 65 will live to age 90, Avoid Retirement Surprisesby James B. Gust, Senior Editor, Merrill Anderson CompanyHolographic Willsby Thomas Gerrity, PublisherBecause a will is a vitally important document, one that controls the disposition of property interests and may have significant tax consequences as well, the requirements for the valid execution are formal. The specifics vary from state to state, but in general two witnesses and the signature of the testator are required, as well as the date of execution.In many states an exception to these formalities is provided for an entirely handwritten will, known in legal circles as a holographic will. Again, the rules vary from state to state, but a signature and a clear expression of testamentary intentions are normally essential. Traditionally, the entire document must be in the testator’s handwriting, but witnesses are not required.A will that is created by filling in the blanks on a preprinted form is in a gray area. Arguably, the testator’s handwriting has been used for the most important parts of the will, but probate courts are more comfortable if such do-it-yourself efforts are witnessed. A will on a phone?A recent case from Michigan put a new light on these issues.Duane Horton, age 21, was a trust beneficiary and in the care of a conservator. In his journal Duane wrote: “I am truly sorry about this. . . . My final note, my farewell is on my phone. The app should be open. If not look on evernote, ‘Last Note.’ ” Duane then killed himself.The “Last Note” was an electronic file containing apologies, religious thoughts, messages to specific individuals, typos, and the following paragraph:“Have my uncle go through my stuff, pick out the stuff that belonged to my dad and/or grandma, and take it. If there is something he doesn’t want, feel free to keep it and do with it what you will. My guns (aside from the shotgun that belonged to my dad) are your’s to do with what you will. Make sure my car goes to Jody if at all possible. If at all possible, make sure that my trust fund goes to my half sister Shella, and only her. Not my mother. All of my other stuff is you’re do whatever you want with. I do ask that anything you well, you give 10% of the money to the church, 50% to my sister Shella, and the remaining 40% is your’s to do whatever you want with.”The note had Duane’s full name typed at the end. The conservator offered the journal entry and the note as Duane’s last will and testament, even though it did not meet the statutory requirements for either a formal will or a holographic will. Duane’s mother opposed the acceptance of these documents. If they were rejected, the mother would inherit the entire estate under the laws of intestacy, as Duane had no other heirs.The probate court found that under Michigan law, there was clear and convincing evidence that Duane intended the electronic document to communicate his testamentary intentions. It was accepted as his will, so the mother lost out. The Michigan Court of Appeals recently affirmed that decision.ConsequencesEstate planners have expressed concern about what this decision may mean for the executors of future estates. Will the executor now have a duty to go through a decedent’s papers and electronic files in search of documents that might constitute a will? What if an individual who already has a will creates a handwritten “amendment,” altering the dispositive provisions? What if such a handwritten note were the result of undue influence or a delusion? Uncertainty about testamentary intentions is what sometimes causes probate to become prolonged. The best way to be confident that one’s estate plans will be implemented without undue delay is to obtain the services of an experienced estate planning attorney for the drafting and execution of one’s last will and testament. N28

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More than 400,000 long-term-care insurance policies were sold in 1992, according to figures published by The Wall Street Journal. These are the policies that help seniors cover the costs of nursing home stays at the end of life. At least 400,000 additional policies were purchased each year in the subsequent ten years, peaking at about 750,000 in 2002.Then sales collapsed, and never again reached the 400,000 level. Last year, reportedly only 66,000 such policies were sold. The need for long-term-care insurance has never been greater. What happened to the market?A New Kind of Long-Term-Care Insuranceby Thomas Gerrity, PublisherActuarial errorsA series of actuarial errors were made when long-term-care insurance was first introduced. The most important of these was the “lapse rate,” the number of policies that will be terminated without ever paying a benefit. This occurs either because the insured stops paying premiums or the insured dies without making a claim. The actuaries chose a fairly conservative lapse rate of 5%. At that rate, if 1,000 policies were sold in year one, only 400 would be in force 20 years later. As it turned out, the buyers of long-term-care insurance thought of their purchase as an investment, not as insurance, and so the lapse experience was closer to 1%, which implies that 800 of every 1,000 policies still will be in force after 20 years. That led to far higher payouts than projected.Two more errors compounded the damage. The first is that medical advances have lengthened life expectancies, which, in turn, increases the likelihood of making a claim on a long-term-care insurance policy. The second is that the actuaries generally assumed a 7% rate of return on the invested premiums on these policies. That assumption was fine in the 1990s, but interest rates have been at historic lows since 2008. Hybrid insuranceThe new approach in this area combines life insurance with long-term-care insurance. An estimated 260,000 such policies were sold last year. There is wide variation among such policies, but they may offer:• a death benefit;• guaranteed level premiums;• a return of premium feature should the buyer have a change of heart;• fully paid-up insurance after 10 years.When the product offers more, it will cost more. In an example published recently in The Wall Street Journal, coverage for a couple in their mid-50s came to over $32,000 per year for 10 years, a total of $320,000. That compares to some $8,500 per year for a traditional long-term policy, in which the premiums must continue to be paid. After 30 years, the traditional policy will require $255,000 in total premiums, assuming no premium increases, so the disparity is not as large as it may at first appear.What’s more, the minimum death benefit of the hybrid policy was $180,000 per spouse, which will be larger than the total premiums paid.Still, the hybrid policy requires most of the premium payment early. For this couple, the policy will be paid up when they are in their mid-60s, and they may well not make a claim for another 20 years. Such coverage will be most attractive for individuals with high current income, sufficient to comfortably cover the premiums, who wish to protect a large estate from being eroded by private nursing home costs. Maximum coverage in the illustration was $1,371,891 per spouse. Look to the futureIf you already have a long-term-care policy, you probably want to hang on to it. For the most part, those who have purchased these policies have profited from them.Planning is necessary. Despite the price increases, long-term-care insurance will prove to be an important part of that plan for many affluent families. NSHORT TAKESA Tax Break for the Elderly—With Stringsby James B. Gust, Senior Editor, Merrill Anderson CompanyMany cities and towns offer some tax relief for their elderly citizens. There may be some generosity behind the offer, or it may be part of an attempt to compete with lower-tax states for retiree citizens. That competition may heat up now that the state and local tax deduction is limited to $10,000. The tax relief takes different forms around the country: • tax credits that phase out at higher income levels; • homestead exemptions to lower property taxes; • freezes on assessed valuations; or • property taxes deferred until death, payable when the home is sold. Deferred property taxes may include interest charges, as in a recent Massachusetts case. Frances Arntz filed for property tax deferral on her home in 1989, when she was 76 years old. Her son suspects that she mistook “deferral” for “forgiveness,” and did not understand that the tax would eventually have to be paid, because she had the financial resources to pay the tax. Frances never told anyone what she had done. Frances moved out of the home in 2008, so the deferrals ended. Her son began to rent the home, and he took charge of paying the property tax every year. The tax bills included a notation at the bottom: “Prior tax bills outstanding.” Unfortunately the son overlooked that warning. When Frances died in 2018, her children expected to inherit the house free and clear, as the mortgage had been paid long ago. Instead, they received a property tax bill from the town for $170,000. Some $50,000 was for the deferred taxes, the rest was interest that had been charged at 8%. About $70,000 of the interest was incurred after 2008, from the time Frances moved out until she died. The heirs are understandably upset that the town didn’t warn them about the tax time bomb. But the town did follow the letter of the law, and in fact had that notice on the bottom of every tax bill. The notice just didn’t spell out how big the bomb was, or the interest that was running. Financial discussions between elderly parents and their adult children can be difficult, even emotional. But they are very important to have.Money and SatisfactionLotteries have become enormously popular in the United States. There is a widespread perception that many lottery winners burn through their newfound wealth rather quickly, and don’t end up better off in the long run. Swedish researchers have examined this question more rigorously, in a manner akin to a randomized test of a drug’s efficacy. They surveyed winners of major prizes in the Swedish lottery as well as minor winners and lottery players who did not win, a total of 3,362 players. The surveys were taken from five to 22 years after the event. The findings are interesting. • Lottery winners were significantly more satisfied with their lives, and that extra satisfaction lasted for decades. • Those who won hundreds of thousands were measurably more satisfied than those who won tens of thousands. • The winners did not rapidly spend their winnings, and did not quit their jobs. They did tend to retire earlier. • Oddly, the researchers found that winning the lottery did not affect happiness. It is thought that questions about happiness go to mood or feelings, while questions on life satisfaction trigger more broadly based introspection. • Winning the lottery had no discernable effect on physical or mental health of the winners or their children. So, although money can’t buy happiness, it can—at least in Sweden—buy satisfaction.30

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Estate Plan EssentialsA surprising number of people have not yet attended to their estate planning. Perhaps this is because estate planning has become so much more complicated in recent years, even though the burden of taxes at death has been in decline. Estate planning now usually covers medical and financial decisions before the end of life, as well as after death.HERE ARE THE DOCUMENTS THAT WILL BE DRAFTED FOR MANY ESTATE PLANS TODAY.Document What it doesFINANCIAL:WillIdentifies beneficiaries. May establish one or more trusts for ongoing asset management. Nominates the person or organization to be responsible for estate settlement.Power of attorneyDelegates authority to an agent to make financial decisions. The agent’s authority ends when the principal is incapacitated.Durable power of attorneyDelegates financial decision power to an agent, even if the principal is incapacitated. In some cases, the power “springs” into being upon incapacity or other identified event.Revocable living trustTransfers assets and full financial manage-ment authority to a trustee. The trust may continue into incapacity, even beyond the death of the trustor.MEDICAL:Power of attorney for health care (sometimes called a health care proxy)Identifies an individual to make medical decisions when one is unconscious or incapacitated.Living willProvides guidelines for medical decisions when an individual becomes terminally ill, such as whether feeding tubes or ventilators should be used to prolong life. Do not resuscitate order (DNR)Specifically requests that cardiopulmonary resuscitation not be used if one’s heart or breathing stops.Source: Merrill Anderson Company32Its name is amusing, and its current growth in popularity is phenomenal. It’s pickleball. It’s fun for all, and it’s very good for seniors.Pickleball is a sport created in 1965 in the state of Washington by some golfing buddies returned from the links who wanted to provide an enjoyable activity for their loved ones. So they improvised, putting together elements of badminton, tennis, and ping-pong.Playing itAs pickleball is played now, two or four players use solid paddles made of wood or composite material to hit a perforated plastic ball, similar to a wiffle ball, over a net on a court with dimensions and layout rather like that of a doubles badminton court, under rules somewhat akin to tennis, with a number of modifications.The overall pickleball court (20 x 44 ft.) is striped, but with no alleys, and a net separates the two areas of the court. Each area has an outer court, divided into two service zones by stripes, and an inner court, not divided, extending out seven feet from the net on each side. This inner court, called “the kitchen,” is a non-volley zone. (To volley is to hit the ball before it touches the ground and bounces.) The ball must be served by an underhand stroke from below navel level in an upward arc.Victory goes to the first side to score 11 points and lead by at least two points. If the sides are tied at 10 points each, the first side to get ahead by two points wins the game. Only the serving side may score a point. That side receives a point when the other side commits a “fault.”Faults include:• hitting the ball beyond the netPICKLEBALL: FUN FOR ALL, GREAT FOR SENIORS!by Peter J. O’Connell, Editorial and Research Associate• hitting the ball out of bounds• not hitting the serve into the opposing diagonal service zone • touching any part of the non-volley zone on the serve• volleying from the non-volley zone• volleying the ball before at least one bounce has occurred on each sideBenefiting from it The USA Pickleball Association (USAPA) describes the sport as one of the fastest-growing in the country and dubs it “highly contagious.” This positive and metaphorical use of “contagious” is intended to bring to mind the many health benefits of pickleball, particularly for seniors. The www.sportsimports.com/blog points out: “If you are looking for some great exercise for your mind and body, pickleball can’t be beat. Playing pickleball allows you to work on your balance, agility, reflexes, and hand-eye coordination without putting excessive strains on your body. Pickleball is a wonderful alternative for older players who . . . have physical limitations such as hip, shoulder, knee or other joint problems.” The Medical University of South Carolina Web site, www.muschealth.org/health-aging, indicates some of the reasons for these benefits:• “The small court keeps the ball in play, but you are not over exerted during any one point.”• “The smaller court also means less running and less wear and tear . . . .”• The paddle is “a low intensity instrument with minimal stress on the tendons and muscles of the arms.” • Underhand serving “makes the game easier to play and less taxing on the arms.”• “Racket/paddle sports boost the cardiovascular system . . . .”• “The endorphins and other bioamines that are released are useful in elevating self-esteem and controlling depression . . . .” Pickleball is a very enjoyable and sociable sport, those who play it say. And it can be quickly learned and played at a reasonable level by almost anyone. It is also inexpensive to play. Paddles average $75-$100 and balls about $2.00. As for clothing, you can wear pretty much anything comfortable and appropriate for your climate. So go join the fun, along with the more than 2.5 million current participants!Finding itThe USA Pickleball Association keeps track of the more than 15,000 indoor and outdoor pickleball courts in the country today—whether at commercial locations or in parks or schools or at senior facilities and retirement venues. And approximately 90 new locations are being added every month.You can obtain the latest information about courts in your area from a USAPA Web site, www.plus2play.org. Use the provided Search box to search by city, state, ZIP code, or location name—or geographically by clicking the Map link.For general information, you can reach USAPA by e-mail at geninfo@usapa.org and by U.S. mail at: USAPA P.O. Box 7354 Surprise, AZ 85374 N

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AREA HOSPITALS and their services for seniorsSt. Vincent’s Outreach ProgramSt. Vincent’s Outreach Program seeks to help residents of Bridgeport who have difficulty accessing primary care because of physical isolation, disability/frailty, psychological reasons or lack of financial resources. Such residents include low-income, disabled, homeless, frail elderly and homebound persons. Outreach care, including geriatric assessments and other geriatric services, is provided on a 24-hour basis by an interdisciplinary team of physi-cians, nurses and social workers. Qualifying patients may receive home medical visits and transportation for medical services.Outreach services are provided at two locations:St. Vincent’s Geriatric Clinic in St. Vincent’s Family Health Center 762 Lindley St. • Bridgeport, CT 06606Adult Medicine Center of St. Vincent’s Neighborhood Health Center Lower level of Thomas Merton Center 43 Madison Ave. • Bridgeport, CT 06604For more information on Outreach services, call 203-576-5710.BRIDGEPORT HOSPITALBridgeport Hospital is a private, not-for-profit, full-service hospital and teaching institution. It is part of the Yale New Haven Health System and primarily serves patients from Fairfield and New Haven Counties. The hospital has: 383 licensed beds; more than 2,600 employees; nearly 600 active attending physicians, representing more than 60 medical specialties. This busy institution annu-ally has more than 19,000 admissions and more than 207,000 outpatient visits to the hospital (including more than 76,000 emergency department visits and more than 36,000 clinic visits). Founded in 1878 by a group of community leaders, Bridgeport Hospital was Fairfield County’s first hospital, and P.T. Barnum was the hospital’s first president. The hospital’s vision, its current leaders state, remains essentially what it was at the time of its founding: “To provide advanced medical care and health promotion with excellence and compassion.” Main location: 267 Grant St. • Bridgeport, CT 06610 • 203-384-3000 www.bridgeporthospital.orgPhysician/Services Referral (English and Spanish, 24/7): 1-888-357-2396Bridgeport Hospital is affiliated with a number of satellite facilities, both in the city and the suburbs. Here are some:FairfieldFairfield Urgent Care Center 309 Stillson Rd. • 203-331-1924 Hours: Mon.-Fri. 8 a.m.-8 p.m. Sat.-Sun. 9 a.m. 5 p.m. SheltonAhlbin Center for Rehabilitation MedicineSuite 184 4 Corporate Drive • 203-925-4201 Hours: Mon.-Fri., 7:30 a.m.-6:30 p.m. Huntington Walk-in Medical Center887 Bridgeport Ave. • 203-225-6020Mon.-Fri. 8 a.m.-8 p.m.SouthportAhlbin Center for Rehabilitation MedicineSuite 32600 Post Road • 203-259-7117Hours: Mon. & Fri., 7:00 a.m.-3:30 p.m.; Tues. & Thurs., 6:30 a.m.-6:00 p.m.; Wed. 7:00 a.m.-4:30 p.m. StratfordAhlbin Center for Rehabilitation Medicine 3585 Main St. • 203-445-2621 Mon., 7:00 a.m.-5:00 p.m.; Tues. & Thurs., 7:00 a.m.-5:30 p.m.TrumbullAhlbin Center for Rehabilitation Medicine 2750 Reservoir Avenue • 203-445-2621 Mon. & Tues. & Thurs., 8:00 a.m.-4:30 p.m.; Wed. & Fri., 8:00 a.m.-5:00 p.m.• Geriatric Home Visit ProgramFor housebound older adults, Bridgeport Hospital’s Home Visit Group of geriatricians and nurse practitioners can bring the care that they require right into their homes. The Group becomes the primary care physician for these patients.• REACH Programs (Geriatric OutpatientPsychiatric Services)If psychiatric conditions and/or substance abuse complicate the common concerns of aging, Bridgeport Hospital’s REACH Programs can help by providing intensive outpatient treatment. One program provides structured daily treatment at the hospital every weekday, 9:30 a.m.-1:30 p.m. Another program sees patients three to four times per week, 9:30 a.m.-1:30 p.m. In either program, patientsare placed in an Older Adult Track andreceive group and family therapy. For moreinformation, call the REACH Programs at203-384-3377.• Geriatric Inpatient Psychiatric ProgramIf an assessment reveals that an older adult needs hospital care because of a psychiatric condition, this program provides close, constant supervision.• GEMS: Geriatric Emergency Medical ServicesBridgeport Hospital is the only hospital in Connecticut that offers an emergency medi-cine service dedicated specifically to the needs of those 65 or older. In GEMS a nurse practitioner, working with Emergency Department physicians, greets patients, explains what testing may be done, helps put patients and their families at ease, helps develop a proper plan of care and, upon release, ensures that patients return to a safe environment. For more information about GEMS, call 203-384-GEMS (4367).Outreach ProgramsBridgeport Hospital prides itself on offering many services and resources to the com-munity for health, wellness and education. A number of these are support services targeted for seniors. They include lectures, classes, sup-port groups, publications, and various evalu-ations and screenings. For more information, call 1-888-357-2396. Of special note:• AARP Senior Driver Safety ProgramThis program is a one-day course offered once a month at the hospital.Continued top of next pageCenter for GeriatricsOlder adults need a special kind of care and understanding to address the range of physi-cal, mental, medical, social and other issues that they often have to confront. To meet these needs, Bridgeport Hospital maintains the Center for Geriatrics. From the Center, Geriatric Specialty Services Teams of experts—geriatricians, psychiatrists, nurse practitioners, social workers and other staff—work together, in close collaboration with primary care physi-cians, to provide individualized programs of care and support for patients and their fami-lies. The Center’s wide range of services is aimed at meeting the wide range of needs of seniors and their loved ones. Bridgeport Hospital Center for Geriatrics95 Armory Rd. • Stratford, CT 06614 203-384-3388 • Fax: 203-384-4034Specialized geriatric services at Bridgeport Hospital include:• Geriatric Assessment ProgramIn an assessment of an older adult having difficulties, experts: conduct exams, tests, screenings; review drugs and supplements being taken; gather information to understand personal and family medical history. The assessment is the first step toward finding the best solutions to the problems of the senior.ST. VINCENT’S MEDICAL CENTERIn 1905 an order of Catholic nuns, the Daughters of Charity, opened a 75-bed hospital, with a mission to serve the sick, poor, homeless, dis-abled and frail elderly in the Greater Bridgeport area. Steady expansionover the years has created the St. Vincent’s Medical Center of today—a473-bed community teaching and referral hospital, employing more than2,000 people and offering a full range of inpatient and outpatient ser-vices, provided by an active medical staff of more than 700 physicians,representing more than 50 specialties. St. Vincent’s has many affiliatesand is a member of Ascension Health, the largest Catholic, nonprofit,healthcare system in the country. Leaders of St. Vincent’s say that itstrives every day to fulfill its Vision Statement--”St. Vincent’s: Setting theStandard for Care You Can Trust.”Main location: 2800 Main St. • Bridgeport, CT 06606 • 203-576-6000For appointments, call the Care Line: 877-255-7847 • www.stvincents.orgSt. Vincent’s Web site offers the FIND A DOCTOR tool, which allows those seeking to discuss their health concerns or those of a loved one with a medical expert to search for the expert by specialty, practice, location or keyword.Among St. Vincent’s many endeavors to meet the health needs of the community are Urgent Care Walk-In Centers at four locations:Bridgeport 4600 Main St. • 203-371-4445Fairfield 1055 Post Rd. • 203-259-3440Milford 199 Cherry St. • 203-696-3502Monroe 401 Monroe Tnpk. • 203-268-2501Shelton 2 Trap Falls Rd. • 203-929-1109Stratford 3272 Main St. • 203-386-0366Hours for all locations: Mon.-Fri. 8 a.m.-8 p.m., Sat.-Sun. 9 a.m.-5 p.m. • Audiology (Hearing) Services at the AhlbinRehabilitation CenterThe Ahlbin Center provides comprehensive hearing services and also evaluation and treat-ment for vestibular disorders (dizziness). 226 Mill Hill Ave. • Bridgeport, CT 06610 • 203-336-7301• Blood Pressure ScreeningsThe Emergency Care Institute of Bridgeport Hospital provides free blood pressure screen-ings at various dates and times at senior centers in Fairfield, Shelton and Stratford. For more information, call 1-888-357-2396. • LifelineLifeline is a 24-hour personal emergency response program in which trained staff members are available at the touch of a button to call emergency personnel and family members for both medical and non-medical situations. For more information, call 1-800-242-1306, ext. 4937. St. Vincent’s Senior ServicesSt. Vincent’s seeks to build “regional centers of excellence” in “key service areas.” One of these areas involves promoting the health of aging adults through geriatric specialists at the Medical Center’s main location and a dedicated Senior Services facility at 2 Trap Falls Rd. in Shelton, adjacent to the Urgent Care Walk-In Center. For more information, call 1-855-331-1113. Senior Services works to understand the complex needs of older adults and be a resource to help them and their families attain and maintain health and indepen-dence. The aim is to create a comprehensive and coordinated network of care, comple-menting that of primary care physicians, and providing assistance with medications/pre-scriptions, consultations about treatment and care, and evaluations of the effectiveness of various care options for the senior involved.Club 50/BoomersSt. Vincent’s sponsors Club 50/Boomers as an organization for people age 50 and older who are interested in maintaing their health through educational programs and social events, including lectures, health screen-ings, wellness programs and excursions. Membership is free, and anyone over 50 can join. Membership offers discounts on the programs and excursions and also on parking, meals at St. Vincent’s, various publications and prescription drugs at most pharmacies. For more information, call 203-576-5111. 34

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Choice What is it? ConsiderationsHomemaker services or companion servicesAssistance with household tasks (cleaning, preparing meals, shopping, can accompany to doctor’s visits, etc.).Keeps individual in familiar setting. Companionship. Medication reminders. Can be isolating. No social or recreational opportunities.Personal care assistant (PCA) servicesPersonnel hired to help with activities of daily living so that an older adult or disabled person may continue to live independently.Keeps individual in familiar setting. Individual care and attention. Can be isolating. No social or recreational opportunities. Insurance reimbursements generally not available.Home health careNursing and related care that is provided in the home. Licensed by the state.Keeps individual in familiar setting. Individualized care and attention. Can be isolating. No social or recreational opportunities. Strict limits on insurance reimbursements.Adult day careDay programs where transportation to and from the program is often available. Meals may be served.Nursing supervision, rehabilitation services and other assistance may be available. May not work well if the program is the only source of care. Works best if informal caregivers are available. Limited financial support is available.Independent senior housingHomes, condos or apartments for people who can maintain an independent lifestyle.Often have built-in opportunities for socializing. In some cases there may be rental assistance from the federal government. Generally, household help provided. No home health care provided.Congregate housing and retirement communitiesRetirement housing that may offer meals, transportation, recreational activities and other services.Noninstitutional. When supplemented with services, the residence can meet the needs of a frail person who may maintain indepen-dence at a lower cost than in a nursing home. These facilities may not be appropriate for individuals with significant care needs.Continuing care retirement communitiesResidential living that often includes con-tracts guaranteeing lifetime medical care.Communities often offer premium residential settings and ameni-ties. Security of knowing that there is guaranteed care. There are entry and monthly fees, and the communities may not be eligible to take Medicaid residents.Assisted livingPersonal care services that are provided in a congregate-housing setting that meets state requirements.Facility is primarily a residence and is noninstitutional. No state fund-ing available at this time. Facility may not be appropriate for indi-viduals with significant care needs.Home for the agedA facility where seniors requiring some daily assistance share meals and enjoy social and recreational services. State licensed.Ongoing supervision is available. Less institutional than a nursing facility. A full array of health services may not be available within the home. Group living involves some loss of privacy and autonomy.Intermediate care nursing unitA separate type of nursing home level for individuals with fewer medical and nursing needs than skilled nursing. State licensed.Nursing care and social and recreational programming available. Medicaid may be a source of payment for eligible individuals. An institutional setting.Skilled nursing unitA nursing home in which residents may live either for short periods of time for rehabilitation or for extended periods. State licensed.Nursing supervision and social and recreational programming available for long-term stays. Medicaid may be a source of payment for eligible individuals. An institutional setting.Continuing Care at Home ProgramsA membership program that offers healthy, independent seniors the ability to stay at home with personal care management and a lifetime of care in the home, or in a facility as needed.Members live in their own homes as long as possible, moving to assisted living or skilled nursing settings only when required. There is a membership fee and monthly fees. Programs are licensed in specific geographical areas. There are a limited number of programs nationally as this is a new concept in life care.Senior home care and residential living options36

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37Professionals, Businesses and ServicesDENTISTS◆ Certified by The American Board of Ophthalmology.◆ Specializing in cataract surgery.◆ Also caring for patients with glaucoma, diabetes and macular degeneration.◆ Comprehensive eye care, including contact lens ﬁtting. ◆ Most insurance plans accepted. Call today • 203.880.5350 • kurileceyecare.comNEW PATIENTS WELCOME!Jeffrey M. Kurilec, M.D.Conveniently located near the intersection of Routes 25 and 111 on the Trumbull-Monroe town line.Kurilec Eye Care, LLC 115 Technology Drive, Suite C201Trumbull, CT 06611Southwest Community Health Center46 Albion St., Bridgeport, CT 06605 ...........203-330-6000968 Fairfield Ave., Bridgeport, CT 06605 .......203-330-6000 762 Lindley St., Bridgeport, CT 06606 .........203-330-6000Dental, Internal Medicine and Women’s Health. See ad, page 40.Eye Care and Eye WearEye Group of Connecticut, LLCJeffrey Kaplan, MD • Jeffrey Sandler, MD4699 Main Street, Suite 106, Bridgeport .....(203) 374-8182www.eyegroupct.comOur Physicians are Board Certified in the practice of Ophthalmology and Ophthalmic Surgery. Comprehensive eye care for adults and children performed in a warm and caring environment. Specializing in: Cataract Surgery utilizing revo-lutionary lens technology, Glaucoma, Diabetic eye care, Eye Allergies, Contact lens challenges and Drooping eyelids/brows. See ad, page 3.DentistsLighthouse Dental CareMark Samuels, D.M.D. Joy Cocchiola, D.M.D.Eben Light, D.M.D.88 Ryders Lane, Stratford, CT 06614 ........(203) 742-1035LighthouseDentalCare.comAffordable dental care for the entire family. Voted one of Connecticut’s “Top Doctors of the Year” in Connecticut Magazine for 8 years. See ad, page 7.Mogelof Dental GroupAndrew Mogelof, D.D.S. Scott Mogelof, D.M.D.James Pucci, D.M.D.2499 Main St., Stratford, CT 06615 .........(203) 378-5588We provide care to patients of all ages through careful, thorough diagnosis, individually designed treatment plans; and definitive care. We help our patients reach the highest level of dental health possible and to maintain that result over their lifetime. See ad, page 9.

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38EYE CARE AND EYE WEAR1/2 mile from Trumbull/Bridgeport line4270 Main Street, Bridgeport • 203-372-4569(Corner Frenchtown Road. Next to Traveland)Eye ExamsEyeglassesContact Lenses and FittingsRepairs: All done on premises. We will recut your lenses to fit new frames.Free Home, Hospital & Nursing Home Visits.We Take HUSKY for eye exams and eyeglasses.CUSTOMERS CAN ALWAYS USE THEIR OWN FRAMES.40% Discount for AARP & AAAKurilec Eye Care, LLCJeffrey M. Kurilec, M.D. 115 Technology Drive • Suite C201 • Trumbull, CT 06611. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (203) 880-5350 kurileceyecare.com• Conveniently located near the intersection of Routes 25 and 111 on the Trumbull-Monroe town line. • Certified by The American Board of Ophthalmology. • Specializing in cataract surgery. • Also caring for patients with glaucoma, diabetes and macular degeneration. • Comprehensive eye care, including contact lens fitting. • Most insurance plans accepted. See ad, page 37.• Gentle, Bladeless Laser Assisted Cataract Surgery• Premium Multifocal & Astigmatic Lens Implants• Glaucoma/Diabetes/Macular Degeneration• Eyelid Plastic Surgery• Comprehensive Eye Care• Eyeglasses/Contact Lenses• Most Insurance Plans AcceptedJAMES R. PINKE, M.D.Board CertifiedPhysician/Surgeon(203) 924-88009 Cots Street, Shelton, CTpinkeeyecenter.comNew Patients Welcome!Get the highest quality eye care with courtesy, concern and compassion.Medical Director: CT Eye Surgery Center-Milford • Attending Surgeon: Griffin Hospital / Wilton Surgery CenterFamily Vision Center775 Main St., Stratford, CT 06615 ...........(203) 377-2020107 Boston Ave., Bridgeport, CT 06610 ......(203) 333-202010% Senior Discount Every Day! Call for an appointment today or bring in your prescription. Medicare accepted, along with many other vision plans. See ad, page 39.Furze & Ackley Inc. O-Opticians4270 Main St., Bridgeport, CT 06606 ........(203) 372-4569FREE EYE EXAMS! 35% Discount for AAA & AARP Members. Free Home, Hospital & Nursing Home Visits. We Take HUSKY for eye exams and eyeglasses. See ad, this page.James Pinke, M.D.Shelton Medical Center9 Cots St., Shelton, CT 06484 ..............(203) 924-8800We are dedicated to being your Center for eye health. See ad, this page, and page 11.What the Great Poets had to say about Aging and the Last of LifeA lively presentation at your facility for a modest fee by a professional writer/editor/researcher and former college instructor.To sponsor this presentation, contact: Peter J. O’Connell 800 Quinnipiac Avenue • New Haven, CT 06513 • (203) 469-5192 • pjpoconnell@gmail.com

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Medical Equipment and SuppliesThe Senior Depot Store770 Connecticut Ave, Norwalk, CT 06854 ....(203) 956-0962195 Federal Rd, Brookfield, CT 06804 .......(203) 775-1095www.cornerstonest.netSenior Depot offers a large variety of top-quality medical supplies and aids for daily living. Our knowledgeable staff is committed to meeting your needs while supporting you through the natural transitions and complications of aging. Stop in today and let us show you what we truly believe: Getting older doesn’t have to be so hard! See ad, page 5.Women’s Health ServicesSouthwest Community Health Center46 Albion St., Bridgeport, CT 06605 ...........203-330-6000968 Fairfield Ave., Bridgeport, CT 06605 .......203-330-6000 762 Lindley St., Bridgeport, CT 06606 .........203-330-6000Dental, Internal Medicine and Women’s Health. See ad, this page.MEDICAL EQUIPMENT AND SUPPLIES40Adult Day ProgramsSUNSET SHORES ADULT DAY HEALTH CENTER 720 Barnum Ave. Cutoff, Stratford, CT .......(203) 380-1228We provide quality daytime care while you work or are in need of respite! See ad, this page.Assisted Living/Independent LivingThe Inn • Part of Waveny LifeCare Network73 Oenoke Ridge, New Canaan, CT 06840 ...(203) 594-5450www.waveny.org. Nestled in a scenic neighborhood that is walking distance from New Canaan’s lovely town center, The Inn is a cozy, not-for-profit rental community for independent living that welcomes seniors from everywhere. With three delicious meals served daily, a caring and attentive professional staff, and just 40 private apartments, residents at The Inn enjoy the benefits of living in a thriving, yet intimate retirement community. Wonderful amenities are all included in Caregivers, Residential Facilities and Rehabilitation FacilitiesWe provide…• Health Monitoring by Registered Nurses• Therapeutic Recreation—Stimulating Activities and Outings• Continental Breakfast, Catered Lunch and Snacks Provided• Coordination of Transportation• Specialized Alzheimers Care• Assistance With Personal Care Needs• Home Assessments• Resource Information For Funding Assistance• Caregiver Support and Referral Service• Featuring the “GQ Club for Men”• ¡Programas en Español!Additional Benefits• Assistance for families caring for an elderly or disabled relative• Relief during the day for families with care responsibilitiesAdult Day Health CentersRemesa • Harborview/Next Step •Fiscal Intermediary ServicesWe provide quality daytime care while you work or are in need of respite!“Your Home Away from Home”720 Barnum Avenue Cutoff (RT 1) • Stratford, CT 06614 • (203) 380-1228 • www.cteldercare.comSe Habla Espanol~Open Saturdays!

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41ELDER CAREa modest rental fee. Inn residents also have priority access to Waveny LifeCare Network’s continuum of healthcare services, programs and facilities, including Waveny Care Center and Waveny Home Healthcare. See ad, page 13.Elder Care Waveny LifeCare Network3 Farm Road, New Canaan, CT 06840 .......(203) 594-5331www.waveny.org. For 40 years, person-centered care has been at the heart of Waveny’s mission. Like a river, our comprehen-sive continuum of programs, services and residential options flows fluidly to benefit those we serve. We welcome older adults from all areas. Contact us today to arrange a tour of our award-winning New Canaan campus! See ad, page 13.Home Care/Home Health CareComfort KeepersGreenwich, CT ...........................(203) 629-5029email: CKofLFC@comfortkeepers.comShelton, CT ..............................(203) 924-4949email: shelton@comfortkeepers.comComfort Keepers enables both seniors and those suffering from non-age-related conditions with services needed to help them remain safe and independent in the comfort of their own homes. We offer an extensive range of non-medical care ser-vices, tailored to the unique needs of each individual, including companionship, rehab recovery, chronic care and end-of-life support. Service is available hourly, 24/7, and live-in. Comfort Keepers is part of a nationwide network of over 750 quality providers, all dedicated to help people live happy, independent and dignified lives. See ad, page 42Griswold Home CareStratford • 1122 Broadbridge Ave., Stratford, CT 06615. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (203) 380-2700Bethel/Danbury • 43 Grassy Plain St., Bethel, CT 06801 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (203) 744-9200 Norwalk • 193 East Ave., Norwalk CT 06855. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (203) 852-9707www.GriswoldHomeCare.comPersonal care, homemaking and companionship in Fairfield County for 26 years. All caregivers receive a rigorous interview and background check. A free in-home assessment is con-ducted on all cases. Low-cost, high-quality care ensured through quality audits. Covered by worker’s compensation, general liability and bonding insurance. Call for info on Parkinson and Alzheimer’s respite grants. Hourly and live-in. See ad, this page.Stratford 203.380.2700Norwalk 203.852.9707 | Danbury 203.744.9200GriswoldHomeCare.comIf you have a loved one who needs in-home, non-medical assistance, we can help. A compassionate caregiver can provide a wide array of support — everything from assisting with personal care, preparing meals, and doing light housekeeping to being there when you can't be so people can stay home and remain independent. Hourly and live-in options are available.© 2017 Griswold International, LLCWe give people the help they need to live in the place they love.™

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42NURSING HOMESHome Choice Senior Care, Inc.Westport, CT .............................(203) 227-5040Customized Homecare Services for people of all ages! Live-in or daily services available. Proudly serving Fairfield County with: Nurse’s Aides, Companions and Home Health Aides. See ad, this page.Nursing HomesNotre Dame Health and Rehabilitation Center76 West Rocks Road, Norwalk, CT 06851 ......203-847-5893www.ndhrehab.orgOur goal is to optimize the quality of life. We are a caring place between Hospital and Home with our New Intensive Stroke Rehabilitation Program. Our welcoming and home-like 60-bed residence, including 6 private rooms, is located on five landscaped acres in Norwalk, CT, and is operated under the loving sponsorship of The Sisters of Saint Thomas of Villanova. See ad, this page.Rehabilitation FacilitiesThe Nathaniel Witherell70 Parsonage Road, Greenwich, CT 06830George Cossifos ..........................(203) 618-4232 I Want to Stay in My Own Home!We Help People Remain Safe & IndependentAffordable Non-Medical In-Home CareCompanionship • Meal Preparation Personal Care • Incidental Transportation Grocery Shopping & Errands • Light Housekeeping Laundry & Linen Washing • Grooming & Dressing Guidance Family Respite Care • 24-Hour & Live-In Care AvailableOur staff is caring and compassionateCarefully screened, bonded and insuredCT DCP Reg. #HCA 108 & 141www.comfortkeepers.comMost offices independently owned and operated.Lower Fairfield County203-629-5029Upper Fairfield & Lower N. Haven Counties203-924-4949 For Service or Referrals, Call: 203-227-5040www.homechoicect.comThe Right Choice ~ Right at HomeHome Choice Senior CareHome Choice Senior Care of WestportProudly serving Fairﬁeld County with Nurse’s Aides, Companions, Home Health AidesCustomized Homecare ServicesFor people of all ages! Live-In or Daily Services AvailableIntroducing Our NEW Intensive Stroke Rehabilitation Program DIRECTED BYNeurologist: Daryl Story, Physiatrist: Claudio Petrillo and Pulmonologist: Donald McNicholA CARING Place Between Hospital & Home76 West Rocks Rd., Norwalk, CT • 203.847.5893 • ndhrehab.orgNOTRE DAMEHealth and Rehabilitation CenterFORMERLY NOTRE DAME CONVALESCENT HOME

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43REHABILITATION FACILITIESwww.nathanielwitherell.orgShort-term rehab at The Nathaniel Witherell is designed to fit your life and style. There are 46 private rooms with WiFi access and live/work space. State-of-the-art therapy is available seven days a week, and you’ll enjoy excellent patient-centered care. The Witherell offers the following comprehensive short-term rehab programs: Orthopedic, Cardiac, Pulmonary, Neurological, and General Medical. Outpatient therapies are also available. See ad, page 21.Rehabilitation Services at Waveny Care Center3 Farm Road, New Canaan, CT 06840 .......(203) 594-5340www.waveny.org. Waveny Care Center’s outpatient Rehabilitation Services are available to people from all areas who are recovering at home from an injury, illness or other type of medical condition that requires rehabilitative therapy. We also offer short-term rehabilitation services on an inpatient basis. We provide state-of-the-art physical, occupational and speech therapies as well as therapeutic massage. To complement these services, we also offer nutritional counseling and health promotion programs. Our highly experienced rehabilitation therapy staff will effec-tively treat and support you in reaching your highest potential, while strictly adhering to your doctor’s orders. Patients benefit immediately from our staff’s enthusiasm and clinical expertise, as well as from the facility’s state-of-the-art equipment and individualized care. See ad, page 13.A SURPRISING PROBLEM UPON TURNING 100Last century, when life insurance com-panies calculated premiums needed to fund a whole life policy, they expected that no one would live beyond age 100. Accordingly, most whole life insurance issued then includes a termination date. When the insured reaches age 100, the policy has matured.As life expectancy grew, the insurance industry updated their actuarial tables to provide coverage to age 121. However, this change took place in 2001. Policies issued before 2001 may still include ter-mination provisions.This phenomenon was explored and explained by financial planner Barry Flagg in his recent article, “What Happens to My Life Insurance at Age 100, and What Can I Do About it?” (Leimberg Information Services, November 6, 2018). When the policy terminatesTermination of a life insurance policy is not likely to be welcomed by the insured. At that moment the insurance company pays out the accumulated cash value of the policy, and the insurance ends before the death of the insured.If the coverage were designed as an “endowment” policy, the cash value would be equal to the face value of the insurance. If the insured amount were $500,000, for example, the entire $500,000 would be paid to the policy owner upon reaching age 100. However, unlike insurance death benefits, which are free from income tax, this payment would be subject to state and local income taxes in the year of receipt.Endowed policies are the exception, not the rule, according to Mr. Flagg. Given the increases in the cost of insurance in recent years, coupled with declines in policy earnings, the cash value in most policies will be less than the face value of the insurance, and could be as low as $1.00. The insured then loses the death benefit after receiving the cash value.Still worse are those policies that allowed for borrowing from cash values to pay additional premiums. When the policy terminates, the loan is forgiven—but a loan forgiveness is taxable income! The phantom income could be taxed at a moment when the insured has no money to pay the tax.AlternativesThere may be a way out for some poli-cyholders who bought whole life insur-ance before 2001 and who might live to 100. Some insurance companies offer a Maturity Extension Rider to continue the policy. The terms of such extensions need to be thoroughly understood, however. In some cases the value of the extension is defined as the cash value of the policy at age 100—if the cash value is low, so is the value of the continued insurance. Still, at least an income tax has been avoided. The next best option to consider, accord-ing to Mr. Flagg, is to exchange the limited policy for a new one that defines maturity beyond age 100. This approach works best with younger insureds (in their 70s) who are still insurable. As one approaches age 90, the chance of obtain-ing a new life insurance contract dimin-ishes rapidly.As a last resort, Mr. Flagg suggests that the policy may be exchanged tax free for a deferred annuity. Income taxes are not avoided, but at least they may be deferred until death. The gain from the policy would then be taxed as income in respect of a decedent.If you are the owner of a whole life insur-ance policy issued before 2001, you’ll want to meet with your financial advisors soon to read the fine print and explore your alternatives.

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44ATTORNEYSProviding Professional Personal ServiceAmy E. Todisco*amy@btlawﬁrm.comOne Eliot Place • Fairﬁeld, CT 06824-5154Phone: (203) 254-1118 • Fax: (203) 254-2453 • www.btlawﬁrm.com*President, Connecticut Chapter National Academy of Elder Law Attorneys, Inc. 2009-2010; Connecticut Bar Association Elder Law Committee, Executive Committee member.• Medicaid (“Title 19”) Eligibility, Planning and Protection of Asset Strategies; Medicaid Applications and Appeals• Involuntary Conservatorships• Powers of Attorney and Advance Directives• Estate Planning• Probate• Wills,Trusts & Estates• Special Needs Trusts and Planning&BraunsteinTodisco, P.C.Attorneys at LawCommitted To Protecting the Dignity, Financial and Legal Rights of SeniorsLaw Offices of Kurt M. Ahlberg2885 Main Street, Stratford, CT 06614 .......(203) 377-1311www.ahlberglawfirm.comAttorneys Kurt M. Ahlberg and Carl A. Glad know that the deci-sions you make today will have a lasting impact for you and your families. That is why Attorneys Ahlberg and Glad will lever-age their experience, industry know-how, and, most importantly, their understanding and connection to family and the community to help you achieve your goals. Don’t hesitate: Call us today. See ad, page 45.BanksPeople’s United BankCall. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1-800-772-1090With over 400 branches, including our 7-day Stop & Shop locations. For all your banking and wealth management needs. www.peoples.com. See ad, inside front cover.AttorneysBraunstein & Todisco, P.C.One Eliot Place, Fairfield, CT 06824 .........(203) 254-1118Committed to Protecting the Dignity, Financial and Legal Rights of Seniors. See ad, this page.Eliovson & Tenore/Elderlaw & Family Counseling Associates, LLC117 Tunxis Hill Rd., Fairfield, CT ............(203) 259-7195Specializing in Elder Law and Estate Planning. See ad, page 45.Law Office of James M. Hughes1432 Post Road, Fairfield, CT 06824 ........(203) 256-1977E-mail: Hughes_james@sbcglobal.net• Elder Law and Title 19/MEDICAID Planning and Spend-down • Wills, Power of Attorney & Health Care Instructions • Veteran’s Benefits • Trusts • Estates and Probate • Real Estate See ad, page 4.Legal, Insurance, Real Estate, Mortgages/ Reverse Mortgages, and Financial Professionals

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46Cemeteries and Funeral HomesFuneral HomesGregory F. Doyle Funeral Home291 Bridgeport Ave., Milford, CT 06460. . . . (203) 874-5641www.gregoryfdoylefuneralhome.comWe offer a variety of funeral services, from traditional funerals to competitively priced cremations. Personal Service 24 Hours • Pre-Arrangements & Counseling • Title 19 • Irrevocable & Revocable Trusts • At Home Arrangements available. See ad, this page, page 17.HELPING YOU HONOR THE ONE YOU LOVEOur calling is to provide your family with a highly personalized funeral experience that will be a source of comfort both now and in the future. SHAUGHNESSEY BANKSFunerals • Cremation • PreplanningSHAUGHNESSEY BANKSFunerals • Cremation • Preplanning50 Reef Road, Fairfield Center(203) 255-1031www.shaughnesseybanks.com“Helping You Honor the One You Love”50 Reef Road, Fairfield Center(203) 255-1031www.shaughnesseybanks.com“Helping You Honor the One You Love”50 Reef Road • Fairﬁeld Center • 203-255-1031www.shaughnesseybanks.com At Shaughnessey Banks Funeral Home, the end of your loved one’s journey is met with compassion and care.FUNERAL HOMESShaughnessey Banks Funeral Home50 Reef Rd., Fairfield, CT 06824 ............(203) 255-1031www.shaughnesseybanks.comHELPING YOU HONOR THE ONE YOU LOVE. See ad, this page.Please patronize our advertisers to thank them for making this directory possible.Gregory F. DoyleFUNERAL HOME &CREMATION SERVICEHandicapAccessibleFamily Owned& OperatedSince 1950“Our FamilyTakes Careof YourFamily WithCompassion& Dignity”Member of National& ConnecticutFuneral DirectorsAssociationwww.gregoryfdoylefuneralhome.comDirectors:Dorothy Doyle, Moriah Doyle Monsif,Conan J. Doyle, Dody Doyle, Andrea K. Rochniak Andrea K. Rochniak, Gregory F. Doyle (1918-2005), Colleen Doyle Britt (1950-2010)203-874-5641291 Bridgeport Avenue, MilfordUS Route 1, Rte I-95 Exit 34, Right .2 MilesDevon CenterWe O er:The Traditional FuneralPersonal Service 24 HoursMinimal Cost Cremations&BurialsShipping Ser vicePre-Arrangements & CounselingInformation Regarding Title XIXAt Home ArrangementsIrrevocable & Revocable TrustsTransferring of Funeral Trusts Moriah Doyle MonsifNewly renovated— including handicapped men’s and women’s restrooms

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48Mayor • Joseph GanimMargaret Morton Government Center 999 Broad Street • Bridgeport, CT 06604 203-576-7201 • Fax: 203-576-3913 E-mail: mayor@bridgeportct.govMAYOR’S COMMISSION ON SENIOR CITIZENSMembers appointed by Mayor for two-year terms to study conditions and needs of elderly and recommend solutions to their problems.Members: Chairperson • Frances Newby Vice Chairperson • Robert J. Burdo Bettie CookBRIDGEPORT DEPARTMENT ON AGING307 Golden Hill St. • Bridgeport, CT 06604 203-576-7993 • Fax: 203-576-7521 Hours: 7 a.m.-3 p.m. E-mail: marie.heller@Bridgeportct.gov.Public Facilities Director • John Ricci • 203-576-7130 E-mail: john.ricci@bridgeportct.govSuperintendent of Recreation • Luann Conine 203-576-8080 • E-mail: luann.conine@bridgeportct.govProject Director • Marie Heller • 203-576-7989 E-mail: marie.heller@Bridgeportct.gov• Recreation and exercise programs: Variety of programs at all three senior centers, including bingo, ceramics class-es, Wii practice daily, line dancing, arts, Red Hat Society club, chair exercise, trips, Grandparents Club.• Senior Transportation Program: Free transportation for members only to Eisenhower Senior Center. Convenient pickup points throughout the city. BRIDGEPORT SENIOR CENTERSDwight D. Eisenhower Senior Center307 Golden Hill St. 06604 • 203-576-7993 Hours: 8:30 a.m.-4:30 p.m. Executive Director • Marie Heller 203-7993 E-mail: marie.heller@bridgeportct.govMembership to Eisenhower Center is free to all Bridgeport residents. Free transportation is provided to and from the Center. Center offers the following activi-ties on a weekly basis: Ceramic classes; Computer class; Tai-Chi; Zumba and Chair Exercise; Karaoke; Bingo and Pokeno; Cards; Billiards; Wii; Dominos; Knitting; Manicures and Pedicures; and Hair Cutting. A daily nutri-tional lunch is provided by CW Resources, Inc.A quarterly Newsletter that lists all activities and trips is provided at the front desk of the Eisenhower Center. A certified counselor is at the Center twice a month to provide assistance or answer any questions. Center also provides assistance for the Renter’s Rebate Program.Black Rock Senior Center 2676 Fairfield Ave. • Bridgeport, CT 06605 203-576-7258 • Hours: 9:00 a.m.-4 p.m.Executive Director • Bonnie Roach E-mail: bonnie.roach@bridgeportct.govExercise equipment available. • Bingo: Wed., 12:30 p.m.-3:00 p.m. • Line dancing: Mon., 10:00 a.m.-12:00 p.m. • Movie: Mon. 12:30 p.m.-2:30 p.m. • crafts/knit classes • Daily lunch provided at noon.East Side Senior Center 1057 East Main St. • Bridgeport, CT 06608 203-395-8366 • Hours: Mon.-Fri., 9:00 a.m.-3:00 p.m. Executive Director • Rosemary Wong Email: rosemary.wong@bridgeportct.govFree membership for Bridgeport residents 55+. A nutritious Spanish lunch is provided by CW Resources as a private/federally funded program for those 60+. Members must make reservations in advance by visiting the Center.Members’ Activities: Dominos, Bingo Mania, Jumbo Word/Number Search, Meditative Adult Coloring, Checkers, Wii Virtual Games, Dancercise, Members’ Birthday Bashes, Excursion Bus Trips, Music/Singing Therapy, Therapeutic Work in Garden, Creative Painting, Handcraft Arts, Board Games.Information/referrals by Certified Benefit Counselors regarding such programs as Federal/State Entitlements, Connecticut Energy Assistance Program (seasonal), State Tax Relief Renters’ Rebate Program. North End Bethany Senior Center 20 Thorme St. • Bridgeport, CT 06606 • 203-576-7730 Hours: Mon.-Fri., 9 a.m.-4 p.m. Executive Director • Carrie Taylor carrie.taylor@bridgeportct.govBingo: 1:00 p.m.-3:00 p.m. • Chat Session: 10:30 a.m.-12:30 p.m. • Plus: Billiards, craft classes, exercise class, line dancing, movies, pinochle, pokeno, Wii practice.Hall Senior Center 52 George E. Pipkin’s Way • Bridgeport, CT 06608 203-345-2000 • Hours: Mon.-Fri., 9 a.m.-3 p.m. Program Director • Jessica Ortiz • 203-345-2028 E-mail: info@hnhonline.orgHall Senior Center is not operated by the City of Bridgeport. It is one of the Hall Neighborhood House proj-ects. The Center addresses the health, social, emotional, City of BridgeportBRIDGEPORT

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49BRIDGEPORTand recreational needs of community seniors through a variety of programs. Bridgeport residents at least 60 years of age or older are eligible to take part in the Center’s activities. The Center has a 25-passenger bus that trans-ports seniors to and from the Center and on its many field trips. Activities: arts and crafts; assistive referrals; field trips; intergenerational art education; health screenings and preventative health education; recreational and social events; special events; workshopsTRANSPORTATION SERVICESFor pickup of seniors under the Senior Transportation Program of the Department of Social Services, call 203-576-8247, 203-576-7993.TAX RELIEF PROGRAMSThe City, both by itself and in conjunction with the State of Connecticut, offers several tax relief programs for the elderly and certain other groups. The programs are administered by the Tax Assessor’s Office.Acting Tax Assessor • Daniel J. Kenny, CCMA, SPACity Hall, Room 105, 45 Lyon Ter. Bridgeport, CT 06604 • 203-576-7241 • Fax: 203-332-5521 Hours: Mon.-Fri., 9:00 a.m.-4:00 p.m.For information specifically about the tax relief programs, call 203-576-8062.BRIDGEPORT PUBLIC LIBRARY SYSTEMwww.bportlibrary.orgBurroughs-Saden Library (Main Library)Burroughs Building • 925 Broad St. 06604 203-576-7400Black Rock Branch 2705 Fairfield Ave. 06605 • 203-576-7025Newfield Branch (reopening in Spring) 775 Central Ave, 06607 • 203-576-7828North Branch 3455 Madison Ave. 06606 • 203-576-7003East Side Branch 174 E. Main St. 06608 • 203-576-7634PROBATE COURTJudge • Paul GanimCity Hall Annex, 999 Broad St. • Bridgeport, CT 06604 203-576-3945 • Fax: 203-576-7898 Hours: 8:30 a.m.-5 p.m.CALL 911 FOR ALL EMERGENCIES. BRIDGEPORT POLICE DEPARTMENTArmando J. Perez, ChiefHeadquarters: 300 Congress St. • Bridgeport, CT 06604 E-mail: bptctpd@bridgeportct.govNon-emergency complaints: 203-576-7671 Non-emergencies information: 203-581-5100 Records/Property Division: 203-581-5270 Criminal Background Checks: 203-581-5270 Victim Assistance: 203-336-5522Animal Control: Jennifer Wallace • Chief Animal Control Officer 236 Evergreen Street • 203-576-7727 • Fax: 203-576-8119 Hours: Mon.-Fri., 9 a.m.-5 p.m., Sat. 9 a.m.-4 p.m.BRIDGEPORT FIRE DEPARTMENTRichard E. Thode, ChiefHeadquarters: 30 Congress St. • Bridgeport, CT 06604 E-mail: bridgeport.fire@bridgeportct.govNon-emergencies: 203-337-2070 • Fax: 203-575-8274 Free smoke detectors: 203-335-8835 E-mail: bridgeport.fireemail@bridgeportct.govFire StationsHeadquarters: 30 Congress St. • 203-576-7666Engine 3 & 4: 233 Wood Ave. • 203-576-7660Engine/Ladder 6: 1035 Central Ave. • 203-576-7681Engine 7/Ladder 11: 245 Ocean Ter. • 203-576-7830Engine/Ladder 10: 950 Boston Ave. • 203-576-7673Engine 12: 265 Beechmont Ave. • 203-576-7675Engine 15: 104 Evers St. • 203-576-7677Engine 16: 3115 Madison Ave. • 203-576-7678BRIDGEPORT’S POPULATION BY AGE(Source: Latest Decennial U.S. Census)60-64 6,06865-74 7,57475-84 4,65285+ 2,262Total 60+ 20,556Total population of Bridgeport: 144,229Percentage 60 years of age or over: 14.2%Land area: 17.5 sq. mi.

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50EASTONFirst Selectman • Adam W. Dunsby E-mail: adunsby@eastonct.govEaston Town Hall 225 Center Rd. • Easton, CT 06612 Mailing Address: P.O. Box 61 • Easton, CT 06612 203-268-6291 • Fax: 203-268-4928 • www.eastonct.gov Town Hall Hours: 8:30 a.m.-4:30 p.m. Check www.eastonct.gov for specific department hours.COMMISSION FOR THE AGINGDevelops policies and exercises oversight regarding needs of senior citizens.Linda Dollard Ann Hughs Phyllis Machledt Karen Martin Melinda O’Brien Lisa TasiMUNICIPAL AGENT/SENIOR SERVICESResponsible for referrals and assistance with federal, state and local programs, including, but not limited to, Insurance, Food Stamps, Social Security, Medicare and Fuel Assistance for Easton residents over the age of 60.Eileen Zimmerman, LCSW 650 Morehouse Rd., Easton, CT 06612 203-268-1137 • Hours: 9 a.m.-2 p.m. SOCIAL SERVICES DIRECTORAdministers various programs to assist disabled and low-income Easton residents under the age of 60. Eileen Zimmerman, LCSW • 203-268-1137 Outreach worker: Pam Healy • 203-261-0289SENIOR CENTERCenter is “intellectual, educational, cultural and social cen-ter for adults of all ages, but especially for retirees, seniors and physically challenged adults . . . . purpose is to enrich the town . . . and to provide assistance to [those] in need.”650 Morehouse Rd. • Easton, CT 06612 • 203-268-1145 www.eastonseniors.com • Fax: 203-268-9586 E-mail: esseniorsc@optonline.net Hours: 7:30 a.m.-3:30 p.m.Director • Val J. Buckley 203-268-1145Assistant Director • Kay OestreicherPrograms and services include: • Availability of: audiobooks, cable TV, computers, CDs, DVDs, fax machine, Internet cafe, investment data, large-print books, Optelec reader, periodicals, photocopier, therapy equipment, video library. • Opportunities for: arts and crafts, quilting, knitting, weaving, card and board games, bridge lessons, bowling, ceramics, culinary classes, driver’s ed for elderly, film showings, trips, musical programs, excercise programs.• Presentations on: law, finance, art, religion, more. • Scheduled presence of: hair stylist, handyman, massage therapist, notary public/justice of the peace, seamstress.• Trips: day and vacation trips.• Dial-a-Ride: van transportation 7 days a week.SUPPORTIVE SERVICES FOR FAMILIES AND CAREGIVERS/TRANSPORTATION SERVICESContact Municipal Agent/Senior Services, Social Services Director and Senior Center for information on these services.TAX RELIEF PROGRAMSOn matters relating to assessments and elderly, Office of the Assessor prepares homeowners’ forms to be sent to state for approval.Town Hall • 203-268-6291 • Fax: 203-268-4928 Assessor • Rachel MaciulewskiTax Relief for the Elderly Committee assists with local tax relief issues. See Web site www.eastonct.gov for current information regarding program options.PUBLIC LIBRARY691 Morehouse Rd. • Easton, CT 06612 203-261-0134 • Fax: 203-261-0708www.eastonlibrary.orgHours: Mon., Tues. & Wed., 10 a.m.-6 p.m.; Thurs., 10 a.m.-8 p.m.; Fri., 10 a.m. - 5 p.m.; Sat., 10 a.m.-3 p.m.Director • Lynn ZaffinoE-mail: lzaffino@eastonlibrary.orgPROBATE COURT Easton is part of Probate Court for District 46.Trumbull Town Hall • 5866 Main St. • Trumbull, CT 06611 203-452-5068Judge • T.R. RoweCALL 911 FOR ALL EMERGENCIES.POLICE DEPARTMENTChief • Timothy Shaw 700 Morehouse Rd. • Easton, CT 06612 Non-emergencies: 203-268-4111 • Fax: 203-268-6703 www.eastonctpolice.comTown of Easton

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51EASTON60-64 47165-74 62275-84 35785+ 171Total 60+ 1,620Total population of Easton: 7,490Percentage 60 years of age or over: 21.3%Land area: 28.6 sq. mi.Safe Seniors Contact Program available free to any resident homebound, medically disabled or over 60. Each day call is placed to individual’s home via computer. If no response, second call is placed. If still no response, officer is dispatched to residence and relative or key holder contacted.FIRE DEPARTMENT 1 Center Rd. • Easton, CT 06612 Non-emergencies: 203-268-2833www.eastonct.gov/fire-departmentChief • Steve WaughVOLUNTEER EMERGENCY MEDICAL SERVICE (EMS)EMS has several full-time staffers, dozens of volunteers and two ambulances functioning in cooperation with first-responders in Police Department. 448 Sport Hill Rd. • Easton, CT 06612 Non-emergencies: 203-452-9595 • Fax: 203-452-7660 Interim Chief of Service • Jonathan ArnoldE-mail: chief@eastonems.comHISTORICAL SOCIETY OF EASTON, INC.Located in a special section of the Easton Library.691 Morehouse Rd. • Easton, CT 06612 • 203-261-2090 E-mail: hseastonct@gmail.comHours: By appointment • Please write for information.President • Chester Burley Executive Director/Curator • Bruce NelsonOPEN SPACESA combination of public and private action has provided Easton residents with the benefits of considerable open space.Town of Easton Open SpacesThe following Town-owned areas are open, where appropriate, for cross-country skiing, dog walking, fishing, hiking, riding and snowshoeing.• Mill River Open Space (6.8 acres) Provides fishing accesses along the Mill River off South Park Ave.• Paine Open Space (130 acres) Located off Maple Rd.• Steep Hill Open Space (1.1 acres) Located near the south end of North Park Ave.Aspetuck Land TrustPrivate, nonprofit Connecticut corporation dedicated to the preservation of open space in perpetuity in Easton, Fairfield, Weston and Westport. Has preserved over 1,800 acres of open space in these towns. Nature preserves open to the public make up over 600 of the 1,800 acres. Trust has acres open in Easton for cross-country skiing, fishing, hiking, riding and snowshoeing.• Abbey Lane Fishing Pond. Abbey Rd. Also accessible via Poindexter Preserve.• Crow Hill Nature Preserve (162 acres) Located at the end of Wyldewood Rd.• Island Pond/Pond View Preserve (10 acres) Located within the town-owned Paine Open Space.• Jump Hill Preserve. Located at the north end of Trout Brook Valley• Poindexter Nature Preserve (38 acres) Located off Judd Rd. between Maple Rd. and Knapp St.• Randal Farm Preserve (34 acres) 700 Sport Hill Rd.• William Warner Angler’s Preserve (5 acres) Provides three fishing accesses along the Mill River off South Park Ave. OTHER IMPORTANT CONTACTS Animal Control Officer • Kelly Fitch • 203-268-9172Conservation Dept. • Phillip Doremus • Wetlands Enforcement Officer Easton Community Center • 364 Sport Hill Rd. 203-459-9700Planning and Zoning • 203-268-6291Public Works Director • Edward Nagy • 203-268-0714Registrar of Voters • (203) 268-6291 David Smith (D) • Vincent Caprio (R) Tax Collector • Krista Kot • 203-268-6291, ext. 140Town Clerk • Christine Halloran, CCTC 203-268-6291, ext. 133EASTON’S POPULATION BY AGE(Source: Latest Decennial U.S. Census)

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52FAIRFIELDFirst Selectman • Michael C. Tetreau Office of the First SelectmanJohn J. Sullivan Independence Hall, 2nd Fl 725 Old Post Rd. • Fairfield, CT 06824 203-256-3030 • Fax: 203-256-3008 E-mail: FirstSelectmanFFld@fairfieldct.orgConstituent Concerns Kathleen Griffin • 203-256-3031 E-mail: kgriffin@fairfieldct.orgDeputy Chief of Staff Jennifer Carpenter • 203-256-3095 E-mail: jcarpenter@fairfieldct.org www.fairfieldct.org/firstselectmanOld Town Hall611 Old Post Rd. • Fairfield, CT 06824 Town Hall Hours: Mon.-Fri., 8:30 a.m.-4:30 p.m. Town Switchboard: 203-256-3000 Fax for Other Than the First Selectman: 203-256-3080 Town Website: www.fairfieldct.orgHUMAN AND SOCIAL SERVICES Advised by Human Services Commission, the Depart-ment of Human and Social Services arranges for the provision of programs and services to adults of all ages, including senior citizens and people with disabilities. Director •Julie DeMarco E-mail: jdemarco@fairfieldct.org100 Mona Terrace • Fairfield, CT 06824 • 203-256-3166• Services (by appointment): information, referral, assessment and counseling regarding: Medicare/Medigap; HMOs; certain legal matters; long-term care; fuel assis-tance; tax assistance; volunteer opportunities; family prob-lems; Title 19 and other entitlements; housing assistance; home care and visits; nursing homes/assisted living; support groups; more. For information about an appoint-ment with a social worker regarding careplanning or entitlements, call 203-256-3166. BIGELOW CENTER FOR SENIOR ACTIVITIESThe Bigelow Center is the main resource location for activities and services for older adults and their families and caregivers.100 Mona Terrace • Fairfield, CT 06824 203-256-3166 • Hours: Mon.-Fri. 9:00 a.m.-3:30 p.m. www.fairfieldct.org/bigelowcenter Director • Melissa DiVito E-mail: mdivito@fairfieldct.orgProgram Coordinator • Margaret Andrews E-mail: mandrews@fairfieldct.org• Activities: defensive driving courses; fitness and exercise programs; dancing; arts and crafts; bingo and card games; senior groups (music/singing, TV/video, investment, walk-ing, others); movies; Learning in Retirement programs; computer classes and Continuing Education classes.• Health screenings (by schedule): blood pressure and others.• Hot Lunch: reservations required two days in advance; $5.00. Hours: Mon.-Fri., 12:15 p.m.• Monthly newsletter: describes Center activities and lunch menus. Available at the Center, Town Hall, libraries and other locations in the community.SUPPORTIVE SERVICES FOR FAMILIES AND CAREGIVERSThe Town provides support groups for families and caregiv-ers of older adults. For information,call the Department of Human and Social Services at 203-256-3166.TRANSPORTATION SERVICESBuses are available for transportation for seniors. Please call the Senior Center dispatcher at 203-256-3168, Mon. through Fri. between the hours of 8:30 a.m. to 2:30 p.m. for service.Bus service is limited to:• Medical appointments• Grocery shopping on scheduled days according to location and limited to 1½ hours• Coming to the Senior Center• Special approved outingsThere are no exceptions to this schedule of trips. Fee for riding the bus varies with destination and type of trip. A ten-punch bus ticket may be purchased at the dispatcher’s office for $5.00.• Bus service to the Senior Center or shopping is one punch for round trip.• Bus service to the doctor in:• Fairfield is two punches each way (or $2.00 round trip);• Bridgeport is four punches each way (or $4.00 round trip)For reservation information or further details, please call the Senior Center dispatcher: 203-256-3168.Town of Fairfield

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53FAIRFIELDEUNICE POSTOL RECREATION CENTER75 Mill Plain Rd. • Fairfield, CT 06824 203-256-3191 • Fax: 203-256-3145 Hours: Mon.-Fri. hours to 5:30 a.m.-9:30 p.m.; Sat.-Sun. hours to 9:00 a.m.-4:00 p.m. www.fairfieldrecreation.comIn addition to facilities for classes, games and events, the Recreation Center maintains a fully equipped and staffed fitness center for aerobics, strength training and other exercises. A yearly membership in the Recreation Center is $110 for persons 62 and older. Three-month member-ships are available for $55. Call the Center for more infor-mation. Persons who meet Social Services Department eligibility requirements may obtain yearly memberships for $55. Call 203-256-3170 for details.TAX RELIEF PROGRAMSThe Town, in conjunction with the State of Connecticut, offers several tax relief programs for disabled persons and qualified residents age 65 and over. The programs are administered by the Assessor’s Office. Application period Feb. 1- May 15.Tax Assessor • Ross D. Murray E-mail: assesorsoffice@fairfieldct.org611 Old Post Rd. • Fairfield, CT 06824 • 203-256-3110 Hours: 8:30 a.m.-4:30 p.m. www.fairfieldct.org/taxassessorHOUSING PROGRAMSThe Town, through its Office of Community & Economic Development (OCED), maintains a list of providers of housing for the elderly and disabled in Fairfield. As these facilities are operated by different entities, those inter-ested should contact each one individually to determine current availability, eligibility requirements, and applica-tion procedures. To see this list, go to www.fairfieldct.org/content/10726/13067/13304.aspx and click on the appropriate link. For information on Rental Assistance or the Housing Choice Vouchers Program under the federal Section 8 program, contact Carol Martin, 203-366-0578.The Handyman Program is administered by OCED with federal funding to assist low-income homeowners with minor maintenance and repairs. For information, contact 203-256-3120. • www.fairfieldct.org/commdevelopmentFAIRFIELD PUBLIC LIBRARY SYSTEMwww.fairfieldct.org/library Fairfield Public Library (Main Library)1080 Old Post Rd. • Fairfield, CT 06824 203-256-3155Fairfield Woods Branch Library1147 Fairfield Wood Rd. • Fairfield, CT 06825 203-255-7307Pequot Library720 Pequot Ave. • Southport, CT 06890 203-259-0346 www.pequotlibrary.orgPROBATE COURT Judge • Kate Maxham 725 Old Post Rd. • Fairfield, CT 06824 • 203-256-3041CALL 911 FOR ALL EMERGENCIES.For noncritical situations, call the following numbers (in various departments):Unusual activities/possible public safety problems 203-254-4800Health issues 203-256-3020Road, tree problems, etc. 203-256-3177Storm or disaster infoline 203-254-4899Homeland Security concerns or suspicions 1-866-457-8477FAIRFIELD POLICE DEPARTMENT100 Reef Rd. • Fairfield, CT 06824Non-emergencies: 203-254-4800Chief • Christopher Lyddy E-mail: clyddy@fairfieldct.org Website: www.fpdct.comThe “Are You OK?” electronic reassurance program allows elderly, handicapped or homebound persons to register with the Police Department to receive a phone call at their residences at a predetermined time each day. If there is no answer after two attempts, the Emergency Communications Center (open 24 hours a day) is noti-fied, and a police officer is dispatched to the residence to check on the well-being and safety of the subscriber. There is no charge for the service, and applications to register are available at the Police Department or the front office of the Fairfield Senior Center. The Police Department also maintains a program under which any-

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54one wishing to register a person who has Alzheimer’s may do so by coming to Department headquarters, com-pleting a registration form and providing two photos of the individual. Registration also can be done through the national Alzheimer’s Association. FAIRFIELD FIRE DEPARTMENT140 Reef Rd. • Fairfield, CT 06824 Non-emergencies: 203-254-4700 • Fax: 203-254-4724Chief • Denis McCarthy E-mail: dmccarthy@fairfieldct.org Website: www.fairfieldct.org/fireEvery fall the Fire Department will go to the homes of residents 65 or older to change the batteries of all their smoke detectors. The Department maintains a database of all senior citizens whose batteries were changed the previous year and sends a letter to these seniors inform-ing them when it is again time for the Department to be changing batteries. To be included in the database, contact the Department. The Department also operates blood-pressure screenings and other programs for seniors.FILE OF LIFE AND FREE BLOOD PRESSURE SCREENINGSThe Fairfield Fire Department recommends keeping updated medical information readily available in the event of an emergency for fire, police, and ambulance personnel. The File of Life is a refrigerator magnet with an attached red plastic pocket labeled “FILE OF LIFE”. In the plastic pocket is a tri-fold card on which you can record your vital emergency information. Fill in the information on the card. Remember, the information will help first responders to better assist you in an emergency. Please stop by a local fire station to pick up your kit and have your blood pressure taken.“ICE”-IN CASE OF EMERGENCYWho should be contacted if you are in an accident, fall downstairs, or have a medical condition that prevents you from speaking? Firefighters are trained to look at your phone for an emergency contact called “ICE.” Save your primary emergency contacts phone numbers under this name, and they will be able to notify the contacts if you are injured and can’t call them yourself.60-64 3,00565-74 4,01275-84 3,03085+ 1,878Total 60+ 11,925Total population of the Town of Fairfield: 59,404Percentage 60 years of age or over: 20.2%Land area: 30.6 sq. mi.FAIRFIELD OTHER IMPORTANT CONTACTS Animal Control • 203-254-4857 Animal Control Officer • Paul Miller Fairfield Animal Shelter, 211 Richard White Way E-mail: pmiller@fairfieldct.orgHealth Department • 203-256-3020 Sullivan Independence Hall, first floor Director • Sands Cleary E-mail: scleary@fairfieldct.orgDept. of Public Works • 203-256-3010 Sullivan Independence Hall, First Floor Director • Joe Michelangelo E-mail: jmichelangelo@fairfieldct.orgParks & Recreation Department • 203-256-3191 75 Mill Plain Road Director • Anthony Calabrese acalabrese@fairfieldct.orgRegistrars of Voters • 203-256-3115 Old Town Hall Steve Elworthy (R) selworthy@fairfieldct.org Matthew Waggner (D) mwaggner@fairfieldct.orgTax Collector • 203-256-3100 Old Town Hall Tax Collector • David Kluczwski E-mail: taxoffice@fairfieldct.orgTown Clerk • 203-256-3090 Old Town Hall Town Clerk • Betsy P. Browne, CMC, MCTC bbrowne@fairfieldct.orgPlanning and Zoning • 203-256-3050Planning Director • Jim Wendt Sullivan Independence Hall • jwendt@fairfieldct.orgFAIRFIELD’S POPULATION BY AGE(Source: Latest Decennial U.S. Census)

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55MONROE• Special programs. Clothing assistance available to resi-dents in event of fire or other disaster; donated holiday gifts distributed to residents based on need; Emergency Evacuation List available to residents needing assistance during an evacuation; information made available about File of Life, Yellow Dot Program, K-9 LAPS (Locating Alzheimer’s Patients Safely). For information about any programs mentioned here, call: 203-452-2813 or 203-452-2815.MONROE SENIOR CENTER235 Cutlers Farm Rd., Monroe, CT 06468Director • Amy Lachioma • 203-452-2815, ext. 3 Fax: 203-452-2965 • E-mail: alachioma@monroect.org Hours: Mon.-Fri., 8:30 a.m.-4:30 p.m. Wed. evenings and Sat. morning hours dependent on programs.Elderly Services Coordinator • Kim Cassia • 203-452-2815, ext. 4 Center offers:• Social, recreational, educational, programs and activities to anyone age 55 or older. Membership required. Annual fee (July-June) is $15.00 for Monroe residents, $20.00 for nonresidents. Some programs may require an additional fee.• Outreach. Available to residents age 60 and over permanently or temporarily confined to their homes or who are isolated, frail or low-income. Elderly Services Coordinator provides assistance regarding government entitlement programs and educates residents and their families about resources and services. For information, call Kim Cassia at 203-452-2815, ext. 4.SUPPORTIVE SERVICES FOR FAMILIES AND CAREGIVERSFor information about such services, call Elderly Services Coordinator Kim Cassia at Senior Center, 203-452-2815.TRANSPORTATION SERVICESMedical and non-medical transportation within Monroe and to Bridgeport, Stratford, Trumbull available to residents 60+ or disabled on weekdays. Reservations required at least 48 hours in advance. Appointments must be: for Monroe, between 9:30 a.m.-2:30 p.m.; for Bridgeport, Stratford, Trumbull, between 9:45 a.m.-2:00 p.m. All appointments must conclude by 3:30 p.m. Rides within Monroe are $2.00 one-way or round-trip and $4.00 one-way or round-trip to Trumbull, Stratford and Bridgeport. For information and to make reservations, call Transportation Coordinator Betsy Kraushaar at 203-452-2815, ext 2. First Selectman • Kenneth KelloggMonroe Town Hall 7 Fan Hill Rd. • Monroe, CT 06468 203-452-2800, ext. 1001 • Fax: 203-452-5475 E-mail: kkellogg@monroect.org • www.monroect.orgMonroe Town Hall7 Fan Hill Rd. 06468 • 203-452-2800 Hours: Mon.-Thurs., 8:30 a.m.-4:30 p.m.; Fri., 8:30 a.m.-1:30 p.m.MONROE COMMISSION ON AGINGCommission suggests development of programs and policies for advancing well-being of older adults of Monroe and provision of services to senior citizens by Department of Social and Senior Services.Chairman: Helma Chartier Leslie Gosselin Vivian Capoccitti Sean Shanely Jaime Geisel Beverly ZwierleinTown Council Liaison • Jason MaurCOMMUNITY & SOCIAL SERVICES7 Fan Hill Rd. 06468 • 203-452-2813 Director • Amy LachiomaSocial Services Coordinator • Mary Ann KalmDepartment offers:• Referral and assistance with federal, state and local programs, including, but not limited to: Husky, Charter Oak Insurance, Food Stamps, Social Security (including SS Disability and Survivor’s benefits), Medicare, Medicaid, Tax Relief, and Rent Relief. Eligible residents helped to understand the process and information and to complete required paperwork and documentation.• Heating assistance programs (for those with low or moderate incomes), including: Connecticut Energy Assistance Program, Operation Fuel, Project Warmth and Utility programs. • Monroe Counseling Service. Short-term counseling sessions available to Monroe residents from Dierdre Ekholdt, LCSW. • 203-452-2800, ext. 1178. E-mail: dekholdt@monroect.org• Food Pantry at 980 Monroe Tpke. Provides nutritious food to eligible residents. Week’s worth of food distribut-ed once a month by appointment. Food can be delivered to those ill or without transportation. Food Pantry Coordinator • Kathleen Turner 203-452-2817 • E-mail: foodpantry@monroect.orgTown of Monroe

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5660-64 1,14365-74 1,40175-84 87985+ 319Total 60+ 3,742Total population of the Town of Monroe: 19,479Percentage 60 years of age or over: 19.3%Land area: 26.4 sq. mi.TAX RELIEF PROGRAMSThe Assessor’s Office is responsible for the administration of tax relief programs.7 Fan Hill Rd., Rm. 202 06468 203-452-2803 • Fax: 203-452-2253Assessor • Justin FeldmanFor information about property ownership, tax exemp-tions and tax relief, contact the Assessor’s Assistant. E-mail: Rcaiola@MonroeCT.orgAssistant • Ruthan Caiola • 203-452-2800, ext. 1003EDITH WHEELER PUBLIC LIBRARY733 Monroe Tpke. 06468 203-452-2850 • Fax: 203-261-3359E-mail: reference@ewml.orgPROBATE COURTJudge • T.R. Rowe 5866 Main St. • Trumbull, CT 06611 • 203-452-5068Monroe is under the jurisdiction of the same Probate Court as Trumbull and Easton.CALL 911 FOR ALL EMERGENCIES.MONROE POLICE DEPARTMENTChief • John L. Salvatore, 7 Fan Hill Rd. 06468 Non-emergencies: 203-261-3622TRIAD is the Community Awareness Program for Seniors. It is an alliance of the Police Department, the Senior Center and the community to coordinate activities for the safety and well-being of older adults. The “Are You OK?” Program is an extension of TRIAD. It is an auto-matic telephone-dialing system that calls senior citizens to check on their welfare.MONROE FIRE DEPARTMENTSHeadquarters: Monroe Company • Chief • Josh KrizeStation 1 • 18 Shelton Rd. (Rte. 110)Station 2 • 54 Jockey Hollow Rd.Non-emergencies: 203-452-2827Stepney Company • Chief • Mike KlemishStation 1 • 88 Main St.Station 2 • 801 Main St.Non-emergencies: 203-268-5389Stevenson Company • Chief • John HoweStation 1 • 1580 Monroe Tpk.MONROEStation 2 • 1260 Monroe Tpk.Non-emergencies: 203-261-8120MONROE VOLUNTEER EMERGENCY MEDICAL SERVICES (MVEMS) John Brenna, EMS54 Jockey Hollow Rd. 06468 Non-emergencies: 203-452-2826Has three ambulances available for emergency medical services 24/7. Conducts yearly town-wide CPR training sessions and also offers instruction for those seeking to become certified as Emergency Medical Technicians or Medical Response Technicians.OTHER IMPORTANT CONTACTSAnimal Control/Shelter • 203-452-3760 Shelter address: 447 Purdy Hill Road E-mail: erisko@monroectpolice.comHealth Dept. • 203-452-2818 Director • Nancy Brault, MPH, RS E-mail: nbrault@monroect.orgPublic Works • 203-452-2814 Director • Chris Nowacki • E-mail:cnowacki@monroect.orgParks and Recreation Dept. • 203.452.2806 E-mail: parksandrec@monroect.orgActing Director • Missy Orosz E-mail: morosz@monroect.orgRegistrar of Voters • 203-452-2820 Jamieson A. Campbell (D) • E-mail: jcampbell@monroect.org Jan O. Larsen, Deputy (D) • E-mail: jlarsen@monroect.org Margaret J. Villani (R) • E-mail: mvillani@monroect.org Debra Dutches, Deputy (R) ddutches@monroect.orgTax Collector • Manny Cambra CCMC • 203-452-2804 E-mail: mcambra@monroect.orgTown Clerk • Vida V. Stone • 203-452-2811 E-mail: vstone@monroect.orgPlanning and Zoning Dept. • 203-452-2812Town Planner • Rick Schultz E-mail: rschultz@monroect.orgMONROE’S POPULATION BY AGE(Source: Latest Decennial U.S. Census)

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57SHELTONSHELTON PUBLIC LIBRARY SYSTEMPlumb Memorial Library 65 Wooster St. Library System Director • Joan Stokes 203-924-1580 • E-mail: jstokes@biblio.org Hours: Mon.-Thurs., 9:00 a.m.-8:30 p.m.; Fri.-Sat., 10:00 a.m.-3:00 p.m.Huntington Branch Library 41 Church St. (inside Community Center) 203-926-0111 • Hours: Mon., 12:00 p.m.-8:00 p.m.; Tues.-Thurs., 10:00 a.m.-8:00 p.m.; Friday 10:00 a.m.- 5:00 p.m. Sat., 10:00 a.m.-3:00 p.m.PROBATE COURTJudge • Fred J. Anthony 40 White St. • P.O. Box 127 203-924-8462CALL 911 FOR ALL EMERGENCIES.SHELTON POLICE DEPARTMENTChief • Shawn Sequeira 203-924-4440 Headquarters: 85 Wheeler St. Non-emergencies: 203-924-1544 SHELTON FIRE DEPARTMENT54 Hill Street, Suite 101 Chief • Francis T. Jones III 203-924-1555 x 1337 F.jones@cityofshelton.orgShelton’s Fire Department provides fire protection; rescue services and conducts fire prevention and safety programs to the community. The department consists of four fire companies operating from four stations located throughout the city by dedicated volunteer firefighters serving from the following fire companies.Echo Hose Hook & Ladder Co. 1 379 Coram Ave. Non-emergencies: 203-924-4241Huntington Fire Company 3 44 Church St. Non-emergencies: 203-929-1414Pine Rock Park Fire Company 4 722 Long Hill Rd. Non-emergencies: 203-929-1239White Hills Fire Company 5 2 School St. Non-emergencies: 203-929-1749Mayor • Mark A. Lauretti City Hall 54 Hill Street • Shelton, CT 06484 203-924-1555, ext. 1504 • Fax: 203-924-0185 E-mail: shelton01@cityofshelton.orgShelton City Hall54 Hill St. • 203-924-1555 • www.cityofshelton.orgSENIOR CITIZENS COMMITTEEShelton’s Senior Citizens Committee addresses issues connected with aging and consists of nine members, appointed for two-year terms by the mayor. Regular meetings are held at the Shelton Senior Center at 4 p.m. on the second Tuesday of each month.Senior Committee Members:Chairman: Walter Oko Margaret Keane Jacqueline Bruno William Smarz Judson Crawford Roberta Sutkowski Cheryl Dziubina Marilyn Terlaga Barbara HayslipSHELTON SENIOR CENTER81 Wheeler St. • 203-924-9324 Hours: Mon.-Fri., 9:00 a.m.-4:30 p.m. Director • Doreen Laucella Email: d.laucella@cityofshelton.orgProvides a lunch program, health screenings, financial and insurance presentations, and educational, social and recreational programs (computer classes, field trips, more) for persons age 55 or older. Membership general-ly required for programs and activities ($4.00 for Shelton residents; $10 for out-of-town residents).Information line: 203-924-2355TAX RELIEF PROGRAMSThe Assessor’s Office in City Hall administers various state and local programs of tax relief for homeowners and vet-erans. Eligibility for the homeowners’ program requires: residency in Shelton; age of 65 years or older or total dis-ability status; income within State of Connecticut qualifying levels. Some additional blind, disabled, “freeze,” homeowners’ and veterans’ programs are available, too. Also, renters’ rebate applications will be accepted at Shelton Senior Center, 81 Wheeler St., Shelton, CT 06484. Rent receipts, utility receipts and meeting income requirements are needed for participa-tion in the renters’ rebate program. Assessor • Bill Gaffney • 203-924-1555, ext. 1500 E-mail: w.gaffney@cityofshelton.orgCity of Shelton

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58SHELTON’S EMERGENCY MEDICAL SERVICES (EMS)Chief • Michael Chaffee E-mail: mchaffee@sheltonems.comAmbulance transport and emergency first responder service provided 24/7 by Echo Hose Ambulance Corps. Paramedic care provided through Valley EMS, the regional paramedic provider serving the Lower Naugatuck Valley. Echo Hose Ambulance Corps also provides public educa-tion and outreach on emergency medicine and public health matters.Echo Hose Ambulance Corps 100 Meadow St. • PO Box 213 06484Non-emergencies: 203-924-9211 • Fax: 203-924-6603OTHER IMPORTANT CONTACTSAnimal Control • 203-924-2501 11 Brewster Lane Supervisor • Leon Sylvester E-mail: l.sylvester@cityofshelton.orgCity Clerk • Margaret R. Domorod 203-924-1555, ext. 1503 E-mail: m.domorod@cityofshelton.orgNaugatuck Valley Health District • 203-881-3255 98 Bank Street, Seymour, CT 06483 Jeff Dussetschleger, DDS, MPH, Director of Health Web site: www.nvhd.org Parks and Recreation Department • 203-925-8422 41 Church St. Director • Ron Herrick E-mail: r.herrick@cityofshelton.orgPublic Works • 203-924-9277Registrar of Voters • 203-924-2533, Option 1Peter Pavone (R), Ext. 306 • Robert Lally (D), Ext. 305Tax Collector • Lisa A. Theroux, CCMC 203-924-1555, ext. 1501 E-mail: l.theroux@cityofshelton.orgSHELTON’S POPULATION BY AGE (Source: Latest Decennial U.S. Census)STRATFORDTown of Stratford60-64 2,64865-74 3,48775-84 2,21085+ 1,206Total 9,551Total population of the City of Shelton: 39,559Percentage 60 years of age or over: 24.2%Land area: 31.4 sq. mi.Mayor • Laura Hoydick, Stratford Town Hall, Room 202 2725 Main Street • Stratford, CT 06615 203-385-4001 • Fax: 203-385-4108 E-mail: mayor@townofstratford.com www.townofstratford.comConstituent Services and Outreach • Marc DillonSTRATFORD SENIOR SERVICES DEPARTMENT1000 West Broad St. 06615203-385-4050 • Fax: 203-385-4057E-mail: baldwincenter@townofstratford.comOffice hours: Mon.-Fri., 8:00 a.m.-4:30 p.m.Acting Director Senior Services Lauren DonovanSupervisor Lauren DonovanSenior Clerk Maureen BarstowSocial Services Coordinator/ Municipal Agent for Elderly Shirley DominguezC.A.R.E.S. Coordinator Erin McLeodC.A.R.E.S. Activity Coordinator Mio Vazquez-RamosOutreach Coordinator Mary BalogHandicapped Info and Referrals Susan M. Pawluk 203-385-4020Transportation Scheduler Janice Niper 203-385-4051Stratford Senior Services provides information and person-al assistance to all Stratford residents over 60 years old with: Medicaid, Medicare, Snap, Social Security, Renters Rebate, Health Insurance Issues, Home Care Services, Energy Assistance, Farmers Market.• Outreach ProgramProvides visits to homebound elderly, information about housing concerns and referrals for other services. Provides programs off-site at housing sites.BALDWIN CENTERThe Town runs a fully operational daily activity center for Stratford residents 55 and over. The Center offers a wide range of activities and events for both men and women. The Center also serves lunch Mon.-Fri. The Center is open Mon.-Fri., 8:30 a.m.-4:00 p.m.1000 West Broad St. 06615 • 203-385-4050 E-mail: baldwincenter@townofstratford.com

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59STRATFORDSUPPORTIVE SERVICES FOR FAMILIES AND CAREGIVERSFor information about these services, call Senior Services Department, 203-385-4050.Programs, located at Baldwin Center, include:• C.A.R.E.S.—Community-At-Risk-Elderly-ServicesSocial Model Adult Day Program—currently offered five days a week • Family Caregiver Counselor Director of Senior Services provides information on services offered in conjunction with the National Family Caregivers Association to those caring for adults 60 years of age and older, including: individual counseling that can assist caregivers in making decisions; caregivers’ training and education; respite care that can provide a caregiver with a much-needed break. Hours: Tues.-Thurs., 8:30 a.m.-4 p.m. • 203-385-4055 E-mail: ldonovan@townofstratford.comTRANSPORTATION SERVICESThe Town has a transportation service for residents over 60 years old and for handicapped residents over 21 years old. All medical-related rides are free of charge, and non-medical rides are $1.00 each way. Transportation is avail-able: Mon.-Fri., 8:00 a.m.-4:00 p.m. Call 385-4051, Mon.-Fri., 8:00 a.m.-4:30 p.m., for reservations.TAX RELIEF PROGRAMSThe Town, both by itself and in conjunction with the State of Connecticut, offers several tax relief, energy assistance and rental rebate programs for senior citizens. You may be eligible if you: are aged 65 or older, totally disabled or blind, a veteran or the spouse of a veteran; meet cer-tain income guidelines; or own a handicapped-equipped vehicle. The programs are administered by the Town Assessor’s office. Assessor • Melinda Fonda E-mail: mfonda@townofstraford.com Stratford Town Hall • 203-385-4025 Hours: Mon.-Fri., 8:00 a.m.-4:30 p.m.STRATFORD LIBRARY2203 Main Street • Stratford, CT 06615Hours: Mon.-Thurs., 10:00 a.m-8:00 p.m.; Fri., Sat., 10:00 a.m.-5:00 p.m.; Sun., 1-5 p.m., Oct.-May.Circulation desk: 203-385-4160; Reference desk: 203-385-4164; Administration: 203-385-4166 E-mail: ask@stratford.lib.ct.usThe Library is accessible to people with a variety of physical disabilities. It is wheelchair-accessible at the Main Street entrance and all public areas are wheelchair-accessible except for the restrooms on the first floor. (The public restroom on the Lower Level is accessible.) Individuals with disabilities may contact the Library to discuss special needs, and the Library offers materials and programs for patrons with visual or auditory disabilities.Library Director • Sheri SzmanskiCALL 911 FOR ALL EMERGENCIES.STRATFORD POLICE DEPARTMENT Chief • Joseph McNeil900 Longbrook Ave. • Stratford, CT 06614Non-emergencies: 203-385-4100 • Fax: 203-385-4019 E-mail: jmcneil@townofstratford.comSTRATFORD FIRE DEPARTMENT Chief • Robert McGrath rmcgrath@townofstraford.comHeadquarters/Company 1 2704 Main St. • Stratford, CT 06615 Non-emergencies: 203-385-4070 • Fax: 203-381-2081E-mail: rmcgrath@townofstratford.comFire Company 2 • 1415 Huntington Rd. Non-emergencies: 203-385-4074Fire Company 3 • 20 Prospect Dr. Non-emergencies: 203-385-4076Fire Company 4 • 200 Oronoque Ln. Non-emergencies: 203-385-4079STRATFORD EMERGENCY MEDICAL SERVICES (EMS)Director • Michael LoizHeadquarters 2712 Main St. • Stratford, CT 06614Oronoque Substation • 200 Oronoque LaneCALL 911 FOR ALL EMERGENCIES. Non-emergencies: 203-385-4060 • Fax: 203-385-4156E-mail: emsadmin@stratfordems.orgWeb site: www.stratfordems.orgPROBATE COURTJudge • Max RosenbergBirdseye Municipal Complex 468 Birdseye St., Stratford, CT 06615 • 203-385-4023

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60TRUMBULLFirst Selectman • Vicki A. Tesoro 203-452-5005 • Fax: 203-452-5038 E-mail: firstselectman@trumbull-ct.gov Hours: Mon.-Fri., 9 a.m.-5 p.m. Chief Administrative Officers Cynthia Katske • E-mail: ckatske@trumbull-ct.gov Katheleen McGannon E-mail: kmcgannon@trumbull-ct.govTrumbull Town Hall 5866 Main St. • Trumbull, CT 06611 203-452.5000 • www.trumbull-ct.govTRUMBULL SENIOR CENTERDirector • Michele Jakab E-mail: mjakab@trumbull-ct.govThe Center at Priscilla Place 23 Priscilla Place 06611 • 203-452-5199 E-mail: seniorcenter@trumbull-ct.org Hours: Mon.-Fri. 9 a.m.-4 p.m.Trumbull Senior Center offers a variety of innovative programs and activities for older adults geared toward staying healthy. These include: art classes; computer classes; crafts; exercise classes; games; health screenings; lectures; parties; trips. The Town of Trumbull and CW Resources collaborate to provide a nutritious daily lunch at the Senior Center for a suggested donation. Monthly newsletters are available on the Town of Trumbull Web site, which is: www.trumbull-ct.gov.TRANSPORTATION SERVICESThe Center provides transportation to Trumbull residents, age 60 and over and to disabled adults. Rides are avail-able Monday-Friday from 9:00 a.m. -2:30 p.m. for travel-ing to and from the senior center, medical appointments, and shopping. All buses are equipped with a wheelchair lift. Service animals and assistive devices welcome. DEPARTMENT OF SOCIAL SERVICES Director • Michele Jakab • 203-452-5144 The Department of Social Services strives to promote the social well-being, self-sufficiency, and quality of life of the residents of Trumbull by providing needs-based services and support, such as: benefits screenings; counseling and advocacy; information and assistance; financial assistance and other resources. The Department is open for office visits and also offers home visits. A food pantry is located at the Trumbull Senior Center.Town of Trumbull60-64 3,10065-74 4,17675-84 3,17285+ 1,626Total 60+ 12,074Total population of the Town of Stratford: 51,384Percentage 60 years of age or over: 23.4%Land area: 18.7 sq. mi.OTHER IMPORTANT CONTACTSStratford Animal Control 225 Beacon Point Rd. 203-385-4068 Dept. E-mail: acos@townofstratford.com Animal Control Officer • Rachel Solveira E-mail: rsolveira@townofstratford.comHealth Dept. • 203-385-4090 Director • Andrea L. Boissevain, MPH, 468 Birdseye St. E-mail: healthdepartment@townofstratford.comPlanning and Zoning • 203-385-4017 Planning & Zoning Administrator • Jay Habansky, AIC E-mail: jhabansky@townofstratford.comAdministrative Clerk • Eva (Tiny) Jowers E-mail: ejowers@townofstratford.comZoning Enforcement Officer • John Rusatsky, E-mail: jrusatsky@townofstratford.comPublic Works Dept. • 203-385-4080 550 Patterson Avenue E-mail: publicworks@townofstratford.comStratford Recreation Department • 203-385-4052 468 Birdseye Street E-mail: recreation@townofstratford.comRegistrars of Voters • 203-385-4048, 203-385-4049 Lou Decilio (R) • Rick Marcone (D) E-mail: Registrars@townofstratford.comTax Collector • 203-385-4030 E-mail: TaxCollector@townofstratford.comTown Clerk • Susan M. Pawluk • 203-385-4020 E-mail: spawluk@townofstratford.comSTRATFORD’S POPULATION BY AGE (Source: Latest Decennial U.S. Census)

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61TRUMBULLNURSING DEPARTMENTNursing Director • Lynn Steinbrick E-mail: lsteinbrick@trumbull-ct.gov The Center at Priscilla Place 23 Priscilla Place 06611 • Trumbull, CT 06611 203-452-5090 • Fax: 203-452-3853A Geriatric Wellness Nurse, Teresa Cryan, MSN, RN, is available at the Senior Center on Monday through Friday to: provide health screenings, conduct educational pro-gram on health-related topics for Trumbull seniors; assist in making doctor appointments; coordinate guest speak-ers on senior wellness topics; consult on common geriat-ric health concerns. She is also available at Stern Village Elderly Housing site to offer these services. MARY J. SHERLACH COUNSELING CENTERRobin Bieber, MS • Victor Olson, MA 121 Old Mine Rd. • Trumbull, CT 06611 203-452-5134 • 203-452-5193 • www.trumbull-ct.govThe Mary J. Sherlach Counseling Center provides a clini-cal setting for individuals and family group therapy and crisis intervention services for individuals and families who are residents of Trumbull and for Town employees. The Center offers support services provided by Licensed Family Therapists, a Social Worker, and Drug and Alcohol Counselor. The Center assists in all stages of family transi-tion, including: adolescent, family and couples therapy: positive parenting: youth leadership programs: and support for seniors. TAX RELIEF PROGRAMSThe Tax Assessor is responsible for implementing State and Town senior citizen and veteran tax relief programs.Town Hall, Main Floor 06611 • 203-452-5016 Hours: Mon.-Fri., 9 a.m.-5 p.m. Tax Assessor • Mark DeVestern E-mail: mdevestern@trumbull-ct.govTRUMBULL LIBRARY SYSTEM Director • Stefan Lyhne E-mail: slyhne@trumbull-ct.gov• Main Library 33 Quality St. 06611 203-452-5197 • Fax: 203-452-5125 Hours: Mon.-Thurs., 9 a.m.- 8 p.m. Fri., Sat., 9 a.m.- 5 p.m. Sun. Sept. 9- May 19, 2019 1 p.m.- 5 p.m. www.trumbullct-library.gov• Fairchild-Nichols Memorial Branch Library 1718 Huntington Tpke. 06611 203-452-5196 • Fax: 203-452-5178 E-mail: fairchildlibrary@trumbull-ct.govHours: Mon., Wed. 10. a. m- 8 p.m., Tues., Thurs, 10 a.m.- 5 p.m. Closed Friday & SaturdayThe Trumbull Library System offers a wide range of items and services for senior citizens: large-print books in all genres and a large collection of CDs and download-able audiobooks. Most of its extensive DVD collection is closed captioned for the hearing impaired. Homebound Delivery Service is available for those who are unable to come into the library buildings. Special services include: Librarian by Appointment (individualized reference help from a professional librarian); computer classes and eBook download demonstrations; book dis-cussions; online data bases and helpful resources that can be accessed from home computer with library card; and a wide range of other programs of interest to seniorsCALL 911 FOR ALL EMERGENCIES.TRUMBULL POLICE DEPARTMENTChief • Michael Lombardo, Sr. 158 Edison Rd. 06611 • 203-261-3665 (non-emergency) E-mail: police@trumbull-ct.govReport suspicious activity to the Police Department.FIRE DEPARTMENTS/EMERGENCY MEDICAL SERVICESTrumbull Volunteer Fire Co. No. 1• Station One • 860 White Plains Rd. • 203-452-0465• Station Two • 980 Daniels Farm Rd. • 203-268-5975 E-mail: board@trumbullvfc.com • www.trumbullvfc.comLong Hill Fire Department • Station One • 6315 Main St. • 203-452-0779• Station Two • 5400 Main St. • Station Three • 4229 Madison Ave. www.longhillfd.comNichols Fire Department• Station One • 100 Shelton Rd. • 203-459-0159 • Station Two • 582 Booth Hill Rd. E-mail: webmaster@nicholsfire.com www.nicholsfire.com

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62Alliance for Aging Research, 1700 K St. NW, Suite 740, Washington, DC 20006, Phone: 202-293-2856, www.agingresearch.org. Alzheimer’s Association, 225 North Michigan Avenue, Floor 17, Chicago, IL 60601, Phone: 1-800-335-8700 (toll free), E-mail: info@alz.org, www.alz.org. American Academy of Orthopaedic Surgeons, 9400 West Higging Rd. Rosemont, IL 60018, Phone: 847-823-7186, www.aaos.org. American Association for Geriatric Psychiatry, 6728 Old McLean Village Drive, McLean, VA 22101, (703) 556-9222, www.aagponline.orgAmerican Association of Cardiovascular and Pulmonary Rehabilitation, 330 N. Wabash Ave., Suite 2000, Chicago, IL 60611, Phone: (312) 321-5146, E-mail: aacvpr@tmahq.com, www.aacvpr.org. American Cancer Society, 250 Williams St., NE, Atlanta, GA 30303, Phone: 1-800-ACS-2345 (227-2345) (toll free), www.cancer.org. American College of Surgeons, 633 North St. Clair St., Chicago, IL 60611-3211, Phone: 1-800-621-4111 (toll free), E-mail: post-master@facs.org, www.facs.org. American Council of the Blind, 1703 N. Beauregard St., Suite 420, Alexandria, VA 2220, Phone: (800) 424-8666, www.acb.orgAmerican Diabetes Association, 1701 North Beauregard St., Arlington, VA 22301, Phone: 1-800-DIABETES (342-2383) (toll free), www.diabetes.org. American Heart Association, 7272 Greenville Ave., Dallas, TX 75231, Phone: 1-800-AHA-USA1 (242-8721) (toll free), 1-888-4-STROKE (478-7653) (toll free), www.heart.org. American Lung Association, 55 W. Wacker Drive, Suite 1150 Chicago, IL 60601, Phone: 1-800-LUNG-USA (586-4872) (toll free), E-mail: info@lung.org, www.lung.org. American Parkinson Disease Association, 135 Parkinson Ave., Staten Island, NY 10305, Phone: 1-800-223-2732 (toll free), E-mail: apda@apdaparkinson.org. American Physical Therapy Association, 1111 North Fairfax St. Alexandria, VA 22314, Phone: 1-800-999-2782, ext. 3395 (toll free), www.apta.org. American Podiatric Medical Association, 9312 Old Georgetown Rd, Bethesda, MD 20814, Phone: 1-800-FOOT-CARE (366-8227) (toll free), E-mail: askapma@apma.org, www.apma.org. American Society on Aging, 575 Market Street, Suite 2100, San Francisco, CA 94105, Phone: 1-800-537-9728 (toll free), E-mail: info@asaging.org, www.asaging.org. Connecticut Health and Service OrganizationsAARP Connecticut. Suite104, Capitol Place, 21 Oak St., Hartford, CT 06106. Tel. (866) 295-7279; Fax: (860) 249-7707; http://states.aarp.org/category/connecticut/; www.facebook.com/AARPCT; twitter.com/AARPCTAlzheimer’s Association, Connecticut Chapter. Main Office: Suite 4b, 200 Executive Blvd, Southington, CT 06489. Tel: (860) 828-2828; http://www.alz.org/ct/ in_my_community_contact.aspCenter for Medicare Advocacy, Inc. P.O. Box 350, Willimantic, CT 06226. Tel. (860) 456-7790; Fax: (860) 456-2614; www.medicareadvocacy.org/; http://www.medicareadvocacy.orgConnecticut Commission on Aging. State Capitol, 210 Capitol Ave., Hartford, CT 06106. Tel.: (860) 240-5200; coa@cga.ct.gov; www.cga.ct.gov/coa;Connecticut Home Care Program for Elders. Administered by Connecticut Department of Social Services, Alternate Care Unit: 25 Sigourney St., Hartford, CT 06106. Tel.: (800) 445-5394; www.ct.gov/dss/cwp/view.asp?a==2353&q=305170Elderly Nutrition Program (South Central and Southwestern Connecticut). Bridgeport area—congregate meals: CW Resources, Inc. 215 Warren St., Bridgeport, CT 06604. Tel. (203) 332-3264. Bridgeport area—home-delivered meals: FSW, Inc. CT. 475 Clinton Ave., Bridgeport, CT 06605. Tel. (203) 368-4291; Fax: 203-332-7631. Derby area—TEAM Project Manna. 30 Elizabeth St., Derby, CT 06418. Tel. (203) 736-5420; Fax: (203) 736-5425. New Haven area—LifeBridge Community Services. Tel. (203) 752-9919; Fax: (203) 752-9691. Stamford area—Catholic Charities of Fairfield County. Suite 10, 30 Myano Lane, Stamford, CT 06902. Tel. (203) 324-6175; Fax: (203) 323-1108 Retired and Senior Volunteer Program. South Central Connecticut RSVP (sponsored by Agency on Aging of South Central Connecticut): One Long Wharf Dr., New Haven, CT 06511. Tel. (203) 752-3059. Southwestern Connecticut RSVP (sponsored by Norwalk Economic Opportunity Now/N.E.O.N.): 95 South Main St., Norwalk, CT 06854. Tel. (203) 663-7332. For additional information: www.ct.gov/agingservices/cwp/view.asp?a=2513&q=313072Senior Community Service Employment Program. Greater Bridgeport Area: Southwestern Connecticut Agency on Aging, 1000 Lafayette Blvd., Bridgeport, CT 06604. Tel. (800) 994-9422. Greater New Haven Area: Agency on Aging of South Central Connecticut, One Long Wharf Dr., New Haven, CT 06511. Tel. (203) 785-8533. Greater Stamford Area: Jewish Family Service, 733 Summer St., 6th Floor, Stamford, CT 06901. Tel. (203) 921-4161. For other locations in Fairfield and New Haven Counties: Associates for Training and Development. Tel. (800) 439-3307. For additional information: www.ct.gov/agingservices/cwp/view.asp?a=2513&q=313068 National Health and Service Organizations60-64 1,95665-74 2,86975-84 2,35785+ 1,361Total 60+ 7,182Total population of the Town of Trumbull: 36,018Percentage 60 years of age or over: 23.6%Land area: 23.29 sq. mi.Trumbull Emergency Medical Services 203-452-5146 250 Middlebrooks AvenueChief of EMS • Leigh Goodman lgoodman@trumbull-ct.govTrumbull Emergency Medical Services cover over 4,200 emergency calls each year. The organization is adding new pieces of equipment to its fleet and it provides free monthly training to all of its membersPROBATE COURTJudge • T.R. Rowe • Town Hall 06611203-452-5068 • Fax: 203-452-5092OTHER IMPORTANT PHONE NUMBERSAnimal Control • 203-452-5088Trumbull Animal Shelter 300 Church Hill RoadAnimal Control Officer • Lynn Dellabianca E-mail: ldellabianca@trumbull-ct.govArts Coordinator • Emily Areson • 203-452-5065 E-mail: eareson@trumbull-ct.govHealth Dept. • 203-452-1030Health Inspector • Shaquaisha Andrews E-mail: sandrews@trumbull-ct.govParks Dept. • 203-452-5060Superintendent of Parks • Dmitri Paris E-mail: dparis@trumbull-ct.govPublic Works • 203-452-5045Director • John Marsilio E-mail: jmarsilio@trumbull-ct.govRecreation Dept. • 203-452-5060 E-mail: recreation@trumbull-ct.govRegistrar of Voters • 203-452-5059/ 203-452-5058 Democratic Registrar • Mary Markham Assistant • Sandy Mangiacapra (D) E-mail: smangiacapra@trumbull-ct.govRepublican Registrar • William S. Holden Assistant • Barbara Wenz • bwenz@trumbull-ct.govSewer Dept.-WPCA • 203-452-5048Tax Collector • Donna M. Pellitteri • 203-452-5024 E-mail: dpellitteri@trumbull-ct.govTown Clerk • Suzanne Burr Monaco • 203-452-5035sburrmonaco@trumbull-ct.govTRUMBULL’S POPULATION BY AGE (Source: Latest Decennial U.S. Census)TRUMBULL

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Alliance for Aging Research, 1700 K St. NW, Suite 740, Washington, DC 20006, Phone: 202-293-2856, www.agingresearch.org. Alzheimer’s Association, 225 North Michigan Avenue, Floor 17, Chicago, IL 60601, Phone: 1-800-335-8700 (toll free), E-mail: info@alz.org, www.alz.org. American Academy of Orthopaedic Surgeons, 9400 West Higging Rd. Rosemont, IL 60018, Phone: 847-823-7186, www.aaos.org. American Association for Geriatric Psychiatry, 6728 Old McLean Village Drive, McLean, VA 22101, (703) 556-9222, www.aagponline.orgAmerican Association of Cardiovascular and Pulmonary Rehabilitation, 330 N. Wabash Ave., Suite 2000, Chicago, IL 60611, Phone: (312) 321-5146, E-mail: aacvpr@tmahq.com, www.aacvpr.org. American Cancer Society, 250 Williams St., NE, Atlanta, GA 30303, Phone: 1-800-ACS-2345 (227-2345) (toll free), www.cancer.org. American College of Surgeons, 633 North St. Clair St., Chicago, IL 60611-3211, Phone: 1-800-621-4111 (toll free), E-mail: post-master@facs.org, www.facs.org. American Council of the Blind, 1703 N. Beauregard St., Suite 420, Alexandria, VA 2220, Phone: (800) 424-8666, www.acb.orgAmerican Diabetes Association, 1701 North Beauregard St., Arlington, VA 22301, Phone: 1-800-DIABETES (342-2383) (toll free), www.diabetes.org. American Heart Association, 7272 Greenville Ave., Dallas, TX 75231, Phone: 1-800-AHA-USA1 (242-8721) (toll free), 1-888-4-STROKE (478-7653) (toll free), www.heart.org. American Lung Association, 55 W. Wacker Drive, Suite 1150 Chicago, IL 60601, Phone: 1-800-LUNG-USA (586-4872) (toll free), E-mail: info@lung.org, www.lung.org. American Parkinson Disease Association, 135 Parkinson Ave., Staten Island, NY 10305, Phone: 1-800-223-2732 (toll free), E-mail: apda@apdaparkinson.org. American Physical Therapy Association, 1111 North Fairfax St. Alexandria, VA 22314, Phone: 1-800-999-2782, ext. 3395 (toll free), www.apta.org. American Podiatric Medical Association, 9312 Old Georgetown Rd, Bethesda, MD 20814, Phone: 1-800-FOOT-CARE (366-8227) (toll free), E-mail: askapma@apma.org, www.apma.org. American Society on Aging, 575 Market Street, Suite 2100, San Francisco, CA 94105, Phone: 1-800-537-9728 (toll free), E-mail: info@asaging.org, www.asaging.org. Connecticut Health and Service OrganizationsAARP Connecticut. Suite104, Capitol Place, 21 Oak St., Hartford, CT 06106. Tel. (866) 295-7279; Fax: (860) 249-7707; http://states.aarp.org/category/connecticut/; www.facebook.com/AARPCT; twitter.com/AARPCTAlzheimer’s Association, Connecticut Chapter. Main Office: Suite 4b, 200 Executive Blvd, Southington, CT 06489. Tel: (860) 828-2828; http://www.alz.org/ct/ in_my_community_contact.aspCenter for Medicare Advocacy, Inc. P.O. Box 350, Willimantic, CT 06226. Tel. (860) 456-7790; Fax: (860) 456-2614; www.medicareadvocacy.org/; http://www.medicareadvocacy.orgConnecticut Commission on Aging. State Capitol, 210 Capitol Ave., Hartford, CT 06106. Tel.: (860) 240-5200; coa@cga.ct.gov; www.cga.ct.gov/coa;Connecticut Home Care Program for Elders. Administered by Connecticut Department of Social Services, Alternate Care Unit: 25 Sigourney St., Hartford, CT 06106. Tel.: (800) 445-5394; www.ct.gov/dss/cwp/view.asp?a==2353&q=305170Elderly Nutrition Program (South Central and Southwestern Connecticut). Bridgeport area—congregate meals: CW Resources, Inc. 215 Warren St., Bridgeport, CT 06604. Tel. (203) 332-3264. Bridgeport area—home-delivered meals: FSW, Inc. CT. 475 Clinton Ave., Bridgeport, CT 06605. Tel. (203) 368-4291; Fax: 203-332-7631. Derby area—TEAM Project Manna. 30 Elizabeth St., Derby, CT 06418. Tel. (203) 736-5420; Fax: (203) 736-5425. New Haven area—LifeBridge Community Services. Tel. (203) 752-9919; Fax: (203) 752-9691. Stamford area—Catholic Charities of Fairfield County. Suite 10, 30 Myano Lane, Stamford, CT 06902. Tel. (203) 324-6175; Fax: (203) 323-1108 Retired and Senior Volunteer Program. South Central Connecticut RSVP (sponsored by Agency on Aging of South Central Connecticut): One Long Wharf Dr., New Haven, CT 06511. Tel. (203) 752-3059. Southwestern Connecticut RSVP (sponsored by Norwalk Economic Opportunity Now/N.E.O.N.): 95 South Main St., Norwalk, CT 06854. Tel. (203) 663-7332. For additional information: www.ct.gov/agingservices/cwp/view.asp?a=2513&q=313072Senior Community Service Employment Program. Greater Bridgeport Area: Southwestern Connecticut Agency on Aging, 1000 Lafayette Blvd., Bridgeport, CT 06604. Tel. (800) 994-9422. Greater New Haven Area: Agency on Aging of South Central Connecticut, One Long Wharf Dr., New Haven, CT 06511. Tel. (203) 785-8533. Greater Stamford Area: Jewish Family Service, 733 Summer St., 6th Floor, Stamford, CT 06901. Tel. (203) 921-4161. For other locations in Fairfield and New Haven Counties: Associates for Training and Development. Tel. (800) 439-3307. For additional information: www.ct.gov/agingservices/cwp/view.asp?a=2513&q=313068 National Health and Service Organizations63HEALTH & SERVICE ORGANIZATIONS

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American Stroke Association c/o American Heart Association, 7272 Greenville Avenue, Dallas, TX 75231, Phone: 1-888-4STROKE (478-7653) (toll free), E-mail: strokeassociation@heart.org, www.strokeassociation.org. Arthritis Foundation National Office, 1335 West Peachtree Street, Atlanta, GA 30309, U.S. Mail: P.O. Box 7669, Atlanta, GA 30357, Phone: (404) 872-7100, E-mail: help@arthritis.org, www.arthritis.org. Bright Focus Foundation, 22512 Gateway Center Dr., Clarksburg, MD 20871, Phone: 1-800-437-2423, (437-2423) (toll free), www.brightfocus.org. Captioned Media Program National Association of the Deaf, 1447 East Main Street, Spartanburg, SC 29307, Phone: 1-800-237-6213 (toll free), E-mail: info@cfv.org, www.cfv.org. Caregiver Action Network,1130 Connecticut Avenue, NW, Suite 500, Washington, DC 20036, Phone: (202) 454-3970, Email: info@caregiveraction.org, www.carwegiveraction.org. Community Transportation Association of America, 1341 G Street, NW, 10th Floor, Washington, DC 20005, Phone: 1-800-891-0590, Fax: 202-737-9197, www.ctaa.org. Hearing Loss Association of America, 7910 Woodmont Avenue, Suite 1200, Bethesda, MD 20814, Phone: 301-657-2248, E-mail: info@hearingloss.org, www.hearingloss.org. Lighthouse Guild, 15 West 65th St., New York, NY 10023, Phone: 1-800-829-0500 (toll free), E-mail: info@lighthouse.org, www.lighthouseguild.org. Medicare Rights Center, 266 W 37th St, Third Fl., New York, NY 10018, Phone: 1-800-333-4114, www.medicarerights.orgNational Cancer Institute, 9609 Medical Center Drive,Bethesda, MD 20892-9760, Phone: 1-800-4-CANCER, www.cancer.govNational Center for Complementary and Alternative Medicine Clearinghouse, 9000 Rockville Pike, Bethesda, Maryland 20892, Phone: 1-888-644-6226, www.nccih.nih.gov National Center on Elder Abuse, c/o University of Southern California Keck School of Medicine, Department of Family Medicine and Geriatrics, 1000 South Fremont Avenue, Unit 22 Bld. A-6, Alhambra, CA 91803. Phone: 1-855-500-3537, www.ncea.aoa.gov/index.aspxNational Council on Aging, 251 18th Street South, Suite 500, Arlington, VA 22202, Phone: 571-527-3900, www.ncoa.org National Heart, Lung, and Blood Institute Information Center, PO Box 30105, Bethesda, MD 20824-0105, Phone: 301-592-8573, E-mail: nhlbiinfo@nhlbi.nih.gov, www.nhlbi.nih.gov. National Hospice and Palliative Care Organization, 1731 King St., Alexandria, VA 22314, Phone: (703) 837-1500, E-mail: nhpco_info@nhpco.org, www.nhpco.org. National Institute of Allergy and Infectious Diseases, 5601 Fishers Lane, Bethesda, MD 20892-6612, Phone: 866-284-4107 (toll free), E-mail: niaidoc@nih.gov, www.niaid.nih.gov. National Institute of Dental and Craniofacial Research, 9000 Rockville Pike, Bethesda, MD 20892-2290, Phone: 301-402-4261, E-mail: nidcrinfo@mail.nih.gov, www.nidcr.nih.gov/. National Institute of Diabetes and Digestive and Kidney Diseases, 9000 Rockville Pike, Bethesda, MD 20892. Phone: (301) 496-3583, www.niddk.nih.gov. National Institute of Neurological Disorders and Stroke, P.O. Box 5801, Bethesda, MD 20824, Phone: 1-800-352-9424 (toll free), www.ninds.nih.org. National Institute on Aging, Building 31, Room 5C27, 31 Center Drive, MSC 2292, Bethesda, MD 20892-2292, Phone: 1-800-222-2225 (toll free), E-mail: niainfo@mail.nih.gov, www.nih.gov/nia. National Kidney Foundation, 30 East 33rd Street, New York, NY 10016, Phone: 1-800-622-9010 (toll free) www.kidney.org. National Library Service for the Blind and Physically Handicapped, Library of Congress, 1291 Taylor Street, NW, Washington, DC 20542, Phone: 1-800-424-8567 (toll free), E-mail: nls@loc.gov, www.lcweb.loc.gov/nls/. National Osteoporosis Foundation, 1251 18th St., Arlington, VA 22202, Phone: 1-800-223-2226 (toll free), www.nof.org, National Stroke Association, 9707 East Easter Lane, Englewood, CO 80112-3747, Phone: 1-800-STROKES (787-6537) (toll free), www.stroke.org. Parkinson’s Disease Foundation, 1395 Broadway, Suite 1509, New York, NY 10018, Phone: 1-800-457-6676 (toll free), E-mail: info@pdf.org. Pension Rights Center, 1350 Connecticut Avenue, NW, Suite 206, Washington, DC 20036, Phone: 202-296-3776, E-mail: pnsnrights@aol.com. Skin Cancer Foundation, 149 Madison Avenue, Suite 901, New York, NY 10016, Phone: 1-800-SKIN-490 (754-6490) (toll free), www.skincancer.org. United Seniors Health Council, www.unitedseniorshealth.org. Vision Council. 225 Reinekers Ln., Suite 700, Alexandria, VA 22314, 1-866-826-0290 (toll free) http://www.thevisioncouncil.org.Well Spouse Association, 63 West Main Street, Suite 14, Freehold, NJ 07728, Phone: 1-800-838-0879 (toll free), E-mail: info@wellspouse.org, www.wellspouse.org. U.S. Social Security AdministrationThe Social Security Administration is a federal government agency and has offices around the country. Information from the SSA can be obtained by calling 1-800-772-1213 or by contacting one of the Connecticut offices, which include:Bridgeport • 3885 Main St. • 866-331-6399Meriden • 1 West Main St. • 877-409-8429New Haven • 150 Court St. • 866-331-5281Stamford • 2 Landmark Sq. • 866-770-1881Find additional and expanded information at www.seniorgotoguide.comHEALTH & SERVICE ORGANIZATIONS64

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65IndexPROFESSIONALS, BUSINESSES AND SERVICES DentistsLighthouse Dental Care .............................7, 37Mogelof Dental Group ..............................9, 37Southwest Community Health Center.................37, 40Eye Care and Eye WearEye Group of Connecticut, LLC .......................3, 37Family Vision Center ...............................38, 39Furze & Ackley Inc. O-Opticians .........................38James Pinke, M.D..................................11, 38Kurilec Eye Care, LLC ..............................37, 38Hair StylistsHair on Wheels ......................................39Internal MedicineSouthwest Community Health Center.................39, 40Poetry PresentationWhat the Great Poets Had to Say About Aging and the Last of Life ...................................38Medical Equipment and SuppliesThe Senior Depot Store .............................5, 40Women’s Health ServicesSouthwest Community Health Center....................40CAREGIVERS, RESIDENTIAL FACILITIES AND REHABILITATION FACILITIESAdult Day ProgramsAdult Day Programs at Waveny ......................... 13Sunset Shores Adult Day Health Centers ................. 40Assisted Living and Independent Living CommunitiesThe Inn • Part of Waveny LifeCare Network ............13, 40Elder Care Waveny LifeCare Network ...........................13, 41Home Care/Home Health CareComfort Keepers ..................................41, 42Griswold Home Care .................................41Home Choice Senior Care .............................42HospitalsBridgeport Hospital ...................................34St Vincent’s Medical Center .............................35VA Connecticut Healthcare System ..........inside back coverNursing HomesNotre Dame Health and Rehabilitation Center..........21, 42Rehabilitation Facilities and Service ProvidersNotre Dame Health and Rehabilitation Center..........21, 43Rehabilitation Services at Waveny Care Center .........13, 43The Nathaniel Witherell ............................21, 43Waveny Lifecare Network ..............................21LEGAL, INSURANCE, REAL ESTATE, MORTGAGES/REVERSE MORTGAGES AND FINANCIAL PROFESSIONALSAttorneysBraunstein & Todisco, PC ..............................44Eliovson & Tenore/ Elderlaw & Family Counseling Associates, LLC ..........44, 45Kevin Kelly & Associates Attorneys at Law ................45Law Office of James M. Hughes ......................4, 44Law Offices of Kurt Ahlberg . . . . . . . . . . . . . . . . . . . . . . . . . 44, 45BanksPeople’s United Bank ..................inside front cover, 44Mortgages/Reverse MortgagesAtlantic Home Loans ...........................22, 23, 45CEMETERIES AND FUNERAL HOMESGregory F. Doyle Funeral Home .....................17, 46Shaughnessey-Banks Funeral Home .....................46American Stroke Association c/o American Heart Association, 7272 Greenville Avenue, Dallas, TX 75231, Phone: 1-888-4STROKE (478-7653) (toll free), E-mail: strokeassociation@heart.org, www.strokeassociation.org. Arthritis Foundation National Office, 1335 West Peachtree Street, Atlanta, GA 30309, U.S. Mail: P.O. Box 7669, Atlanta, GA 30357, Phone: (404) 872-7100, E-mail: help@arthritis.org, www.arthritis.org. Bright Focus Foundation, 22512 Gateway Center Dr., Clarksburg, MD 20871, Phone: 1-800-437-2423, (437-2423) (toll free), www.brightfocus.org. Captioned Media Program National Association of the Deaf, 1447 East Main Street, Spartanburg, SC 29307, Phone: 1-800-237-6213 (toll free), E-mail: info@cfv.org, www.cfv.org. Caregiver Action Network,1130 Connecticut Avenue, NW, Suite 500, Washington, DC 20036, Phone: (202) 454-3970, Email: info@caregiveraction.org, www.carwegiveraction.org. Community Transportation Association of America, 1341 G Street, NW, 10th Floor, Washington, DC 20005, Phone: 1-800-891-0590, Fax: 202-737-9197, www.ctaa.org. Hearing Loss Association of America, 7910 Woodmont Avenue, Suite 1200, Bethesda, MD 20814, Phone: 301-657-2248, E-mail: info@hearingloss.org, www.hearingloss.org. Lighthouse Guild, 15 West 65th St., New York, NY 10023, Phone: 1-800-829-0500 (toll free), E-mail: info@lighthouse.org, www.lighthouseguild.org. Medicare Rights Center, 266 W 37th St, Third Fl., New York, NY 10018, Phone: 1-800-333-4114, www.medicarerights.orgNational Cancer Institute, 9609 Medical Center Drive,Bethesda, MD 20892-9760, Phone: 1-800-4-CANCER, www.cancer.govNational Center for Complementary and Alternative Medicine Clearinghouse, 9000 Rockville Pike, Bethesda, Maryland 20892, Phone: 1-888-644-6226, www.nccih.nih.gov National Center on Elder Abuse, c/o University of Southern California Keck School of Medicine, Department of Family Medicine and Geriatrics, 1000 South Fremont Avenue, Unit 22 Bld. A-6, Alhambra, CA 91803. Phone: 1-855-500-3537, www.ncea.aoa.gov/index.aspxNational Council on Aging, 251 18th Street South, Suite 500, Arlington, VA 22202, Phone: 571-527-3900, www.ncoa.org National Heart, Lung, and Blood Institute Information Center, PO Box 30105, Bethesda, MD 20824-0105, Phone: 301-592-8573, E-mail: nhlbiinfo@nhlbi.nih.gov, www.nhlbi.nih.gov. National Hospice and Palliative Care Organization, 1731 King St., Alexandria, VA 22314, Phone: (703) 837-1500, E-mail: nhpco_info@nhpco.org, www.nhpco.org. National Institute of Allergy and Infectious Diseases, 5601 Fishers Lane, Bethesda, MD 20892-6612, Phone: 866-284-4107 (toll free), E-mail: niaidoc@nih.gov, www.niaid.nih.gov. National Institute of Dental and Craniofacial Research, 9000 Rockville Pike, Bethesda, MD 20892-2290, Phone: 301-402-4261, E-mail: nidcrinfo@mail.nih.gov, www.nidcr.nih.gov/. National Institute of Diabetes and Digestive and Kidney Diseases, 9000 Rockville Pike, Bethesda, MD 20892. Phone: (301) 496-3583, www.niddk.nih.gov. National Institute of Neurological Disorders and Stroke, P.O. Box 5801, Bethesda, MD 20824, Phone: 1-800-352-9424 (toll free), www.ninds.nih.org. National Institute on Aging, Building 31, Room 5C27, 31 Center Drive, MSC 2292, Bethesda, MD 20892-2292, Phone: 1-800-222-2225 (toll free), E-mail: niainfo@mail.nih.gov, www.nih.gov/nia. National Kidney Foundation, 30 East 33rd Street, New York, NY 10016, Phone: 1-800-622-9010 (toll free) www.kidney.org. National Library Service for the Blind and Physically Handicapped, Library of Congress, 1291 Taylor Street, NW, Washington, DC 20542, Phone: 1-800-424-8567 (toll free), E-mail: nls@loc.gov, www.lcweb.loc.gov/nls/. National Osteoporosis Foundation, 1251 18th St., Arlington, VA 22202, Phone: 1-800-223-2226 (toll free), www.nof.org, National Stroke Association, 9707 East Easter Lane, Englewood, CO 80112-3747, Phone: 1-800-STROKES (787-6537) (toll free), www.stroke.org. Parkinson’s Disease Foundation, 1395 Broadway, Suite 1509, New York, NY 10018, Phone: 1-800-457-6676 (toll free), E-mail: info@pdf.org. Pension Rights Center, 1350 Connecticut Avenue, NW, Suite 206, Washington, DC 20036, Phone: 202-296-3776, E-mail: pnsnrights@aol.com. Skin Cancer Foundation, 149 Madison Avenue, Suite 901, New York, NY 10016, Phone: 1-800-SKIN-490 (754-6490) (toll free), www.skincancer.org. United Seniors Health Council, www.unitedseniorshealth.org. Vision Council. 225 Reinekers Ln., Suite 700, Alexandria, VA 22314, 1-866-826-0290 (toll free) http://www.thevisioncouncil.org.Well Spouse Association, 63 West Main Street, Suite 14, Freehold, NJ 07728, Phone: 1-800-838-0879 (toll free), E-mail: info@wellspouse.org, www.wellspouse.org. U.S. Social Security AdministrationThe Social Security Administration is a federal government agency and has offices around the country. Information from the SSA can be obtained by calling 1-800-772-1213 or by contacting one of the Connecticut offices, which include:Bridgeport • 3885 Main St. • 866-331-6399Meriden • 1 West Main St. • 877-409-8429New Haven • 150 Court St. • 866-331-5281Stamford • 2 Landmark Sq. • 866-770-1881Find additional and expanded information at www.seniorgotoguide.comHEALTH & SERVICE ORGANIZATIONS

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66PublisherThomas GerrityArt Director Paula R. SoliGraphic Designer Jean VendittiAdvertising Sales Jennifer VanGeleEditorial & Research AssociatePeter J. O’ConnellCustomer ServiceSarah ScalzoWeb MasterSirvydas VebraDisributionDave ChiricoCTSeniorHelpCenter.com Fast, easy, and always FREE!News and Events• Local Senior News Blog• Local Events CalendarIN BUSINESS TO HELP SENIORS? Let them know at CT SENIOR HELP CENTER FOR FREE!This Guide is intended to assist senior citizens, older adults and their families in obtaining information about products and services of interest. However, because of the constant changing and updating of information contained herein, it is not possible to guarantee complete accuracy of all the information or the complete absence of errors or omissions. The publisher, therefore, does not assume liability for any inaccuracy, errors or omissions in the information, nor assume any liability for inaccurate or misleading information or errors or omissions contained in advertisements in this Guide.Published annually by The Merrill Anderson Co., Inc., Stratford, CT 06614. Copyright 2019 by The Merrill Anderson Co., Inc. All rights reserved.Get detailed information on:City/Town Services for Seniors Senior Living • Independent Living • Assisted Living • Skilled Nursing and Rehab • Alzheimer’s and Memory Care • HospiceAdult Day CareHome Care Services • Medical and Non-medicalMedical Equipment and SuppliesHealthcare Professionals • Dentists • Eye Care • Hearing Geriatric Care ManagementProfessional Services • Elder Law Attorneys • Seniors Real Estate Specialists • Medicare Advisors • Reverse Mortgage Specialists • Financial Advisors • Long-term Care SpecialistsEnd of Life Services • Funeral Services • CemeteriesTransportation Services Robert J. Burdo, Vice Chairman, Bridgeport Commission on Senior CitizensMarie J. Heller, Project Director, Bridgeport Department on Aging, Eisenhower CenterJessica Ortiz, Program Director, Hall Neighborhood House Senior Center, BridgeportRosemary Wong, East Side Senior Center Community Project Coordinator, BridgeportVal Buckley, Director, Easton Senior CenterSophia Vournazos, Easton Town HallEllen Zimmerman, Municipal Agent for Elderly Persons, Town of EastonJennifer Carpenter, Deputy Chief of Staff, Town of FairfieldJulie DeMarco, Director of Human Services, Town of FairfieldAmy Lachioma, Director of Community & Social Services, Monroe Senior CenterAlice McKane, Office Assistant, Town of MonroeCyndee Burke, Executive Secretary, Office of the Mayor, City of SheltonDoreen Laucella, Director, Shelton Senior CenterSandra Arburr, Director, Baldwin Center, Town of StratfordAlicia Altobelli, Executive Assistant to First Selectman, Town of TrumbullMichele Jakab, Director of Human Services, Trumbull Senior CenterJoAnne Veltri, Mary J. Sherlach Counseling Center Thanks also to everyone who is helping to distribute copies of the Guide.We extend a special thanks to everyone who helped make the Senior GO TO Guide possible, especially:

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VA CONNECTICUT HEALTHCARE SYSTEM— WEST HAVEN CAMPUSThe U.S. Department of Veterans Affairs (VA) offers a variety of health services to meet the needs of America's veterans. In Connecticut those services encompass an inpatient facility and Ambulatory Care Center in West Haven (a/k/a VA Connecticut West Haven Campus); an Ambulatory Care Center in Newington; and six primary care Community Based Outpatient Clinics located around the state. All veterans who have met the service and duty requirements for eligibility are encouraged to enroll in the VA Healthcare System by completing an Application for Health Benefits and providing certain documents. An Eligibility Office is located at the West Haven Campus and can be reached at 203-937-5711, ext. 3328 or 3131.VA Connecticut Healthcare System West Haven Campus • 203-932-5711 950 Campbell Ave., West Haven, CT 06516Once enrolled in the VA Healthcare System, each veteran will receive a personalized Veterans Health Benefits Handbook. The purpose of the Handbook is to provide a current and accurate description of VA healthcare benefits and services, tailored specifically to the individual veteran.VA Connecticut offers information and assistance to older veterans through its Geriatrics and Extended Care Program. The Program seeks to help veterans with their needs in regard to: community living; nursing home entry; hospice and palliative care; spinal cord injuries; home-based primary care; geriatric consults; home and community-based care. The Program can be reached at 203-932-5711, ext. 2121, Mon.-Fri., 7:30 a.m.-4 p.m. VA Connecticut also offers a wide range of health and wellness educational programs. Information about these can be obtained from the Veteran Health Education Coordinator at 203-932-5711, ext. 5189, Mon.-Fri., 7:30 a.m.-4 p.m. For further information about VA Connecticut Healthcare System—West Haven Campus, contact the Public Affairs Office at 203-937-3824. Honoring all who served.“A veteran is someone who wrote a blank check, payable to the United States of America, for an amount of up to and including his life.”—Gene Castagnetti, Director, National Memorial Cemetery of the Paciﬁc67

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