Senior GO TO Guide - Upper Fairf : simplebooklet.com

Bridgeport

Easton

Fairfield

Monroe

Shelton

Stratford

Trumbull

Upper Fairfield County Edition

Guide to city and town services

A DIRECTORY OF HELPFUL INFORMATION FOR SENIORS AND THEIR FAMILIES

Senior go to Guide

SAVE FOR USE THROUGHOUT 2017

www.seniorgotoguide.com

Houses with many stories ...

Some historic residences in Upper Fairfield County

ADULT DAY CARE

•

ASSISTED LIVING

•

HOME CARE

•

HOSPITAL SERVICES

•

NURSING FACILITIES

•

SENIOR HOUSING

Guide to Local

SERVICES

AND FACILITIES

Guide to City/Town Services

Retirement Life: Rent or Own?

Preserving Family Memories

KEEP AN EYE ON YOUR PURSE!

Variable Medicare Premiums

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Exit 53 off the Merritt Parkway, in the Ryder’s Landing Center

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(203) 378-1566

Snoring

Waking up tired Dry mouth/throat

Difficulty concentrating

Fatigue

Weight gain

Feeling sleepy during the day Irritability

Mark Samuels, D.M.D.

Joseph Jarmon, D.D.S.

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We now process insurance for sleep appliances.

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And, your spouse may sleep better too.

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Connecticut Magazine

FOR 7 YEARS!

LIGHTHOUSE DENTAL CARE

88 RYDERS LANE STRATFORD

Conveniently located near the intersection of Route 110 and

Exit 53 off the Merritt Parkway, in the Ryder’s Landing Center

E CORDIALLY INVITE YOU TO CALL

(203) 378-1566

Snoring

Waking up tired Dry mouth/throat

Difficulty concentrating

Fatigue

Weight gain

Feeling sleepy during the day Irritability

Mark Samuels, D.M.D.

Joseph Jarmon, D.D.S.

Joy Cocchiola, D.M.D.

We now process insurance for sleep appliances.

Call us TODAY for a free consult that may save your life!

(Consult regularly $94.00)

What are the signs and symptoms of Sleep Apnea:

Not everyone who snores has sleep apnea, but many do. A simple dental appliance

can decrease the risk for heart disease, high blood pressure, and stroke.

And, your spouse may sleep better too.

LOCAL BUSINESSES

AND SERVICES

Find the products and services that you need.

27 Professionals, Businesses and Services

33 Caregivers, Residential Facilities and Rehabilitation Facilities

44 Legal, Insurance, Real Estate, Mortgages/Reverse Mortgages

and Financial Professionals

47 Cemeteries and Funeral Homes

ARTICLES

8 COVER STORY: Houses With Many Stories . . .

Some historic residences in Upper Fairfield County

14 ABLE Accounts

16 Keep an Eye on Your Purse!

18 Variable Medicare Premiums

19 Ask the Senior GO TO Guide Advisor

20 Guide to Rehabilitation Service Providers

22 Retirement Life: Rent or Own?

23 Social Security in 2017

24 Preserving Family Memories: Linking Past, Present and Future

34 Area Hospitals and Their Services for Seniors

48 Salute Our Veterans!

Table of Contents

For advertising info: Contact Gail Darrow toll free

at 1-888-818-1232 or gdarrow@seniorgotoguide.com

The 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.

transmitted in any manner without written permission of the Publisher.

GOVERNMENT AGENCIES AND RESOURCES

Your community offers a wide range of services especially for seniors.

The older we get,

the happier we are

Although the reasons might not always

be clear, research regularly points out

the perspective and “wisdom” that

comes from life experience. In other

words, we’ve earned it!

We are celebrating the 10th anniversary

of the Senior GO TO Guide. Thanks to

our loyal readers and our many great

advertisers, the Guide has grown to

be the top resource for seniors in

Fairfield County.

We are blessed with having many of the

best companies, service providers and

professionals in the area as advertisers

and sponsors of the Guide. They stand

ready to help, so please call on them

whenever they can be of assistance.

Cheers!

Thomas Gerrity

Publisher

tgerrity@seniorgotoguide.com

To start or to make changes to your

free subscription, please e-mail us at

tgerrity@seniorgotoguide.com

or call us at 1-888-818-1232.

49 Bridgeport

50 Easton

52 Fairfield

55 Monroe

57 Shelton

59 Stratford

61 Trumbull

62 Southwestern Connecticut Agency on Aging

63 Connecticut Health and Service Organizations

63 National Health and Service Organizations

65 Index

Cover story photo credits can be found on page 66.

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Fairfield: David Ogden House, 1520 Bronson Road

If this classic saltbox-style house, with a massive central

chimney, could talk, it first would probably tell a happy tale of its

construction in 1750 at the time of the marriage of its owner, David

Ogden, from a prominent Fairfield family, to Jane Sturges. It then

would likely tell a tale of survival from dark days. Architectural

historians see the house today as an “exceptional survivor” of a

typical mid-18th-century Connecticut farmhouse. Historians of

Fairfield go on to note that the house was one of the lucky few

to survive the 1779 British raid on the town during the American

Revolution. The British burned down more than 80 homes and over

100 other buildings. They missed this house, however, and it was

home to the Ogden family for the next 125 years, Eventually, it was

donated to the Fairfield Historical Society, which has furnished it

appropriately for the colonial era and operates it as a museum, with

an 18th-century-style kitchen garden behind the house. Open: Sun.,

June-Sept., 1-4 p.m. Admission: $0-$5. Info: 203-259-1598.

Bridgeport: Wheeler House, 266 Brewster Street

This colonial house in the Black Rock Historic

District of Bridgeport could boast about being

the fourth-oldest house in Connecticut. Its core

was built by Thomas Wheeler, Sr., Bridgeport’s

first white settler, in 1644 as a 1½-story house

and enlarged to its current size in 1680. Further

changes were made in the early 18th century by

John Wheeler, a wealthy merchant and legislator,

who helped develop the Black Rock area as an

important trading settlement.

by Peter J. O’Connell, Editorial and Research Associate

any people have a great interest in history—that of their own

families, of course, but also local, state, regional, national and

even world history. Fairfield County is an area rich in historic

places. Currently, there are over 280 properties and districts listed on the

National Registers of Historic Places for the county. Let’s take a “look at” just

seven of those places—in a swing from Fairfield to Stratford to Shelton to

Easton—and a “listen to” the stories that they might tell, if houses could talk.

Houses with many stories ...

Some historic residences in Upper Fairfield County

Continued on page 10

Cover story photo credits can be found on page 66.

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Trumbull: Ephraim Hawley House,

2944 Nichols Avenue

(Front view on front cover; rear view here.)

If this house could talk, it might boast of

many things. One would be the fact that,

constructed in the late 17th century, it

is the oldest house extant in the historic

area of Trumbull known as Nichols. The

Nichols Farms Historic District there cur-

rently has 81 buildings. Ephraim Hawley,

who built the house, was one of the first

settlers to arrive in the area. The extended

Hawley family over the years became

prominent in Connecticut political, mili-

tary and business affairs. The house could

also brag about its architectural evolution

from “Cape Cod cottage” style through

three additions that made it into a classic

saltbox-style farmhouse. Many original

architectural details remain preserved in

the privately owned home. The house

could also point out the unique fact that it

has been located in four different named

townships in its history but has never been

moved from its original location. Shifting

boundaries make up that story.

Stratford: Captain David Judson House, 967 Academy Hill Road

This house in the Georgian style was mostly constructed in 1723, but it was built

on the stone foundation and incorporates the huge central stone chimney of the

original house built on the site by David Judson’s great-grandfather in 1639. The

1639 date would give the house bragging rights to the title of second-oldest house

in Connecticut. It could also brag about its “broken scroll” pediment entryway,

which is one of the finest in the state. Bragging, however, would be replaced

by sadness over the fact that

the house’s cellar was used

as slave quarters in the 18th

century. The house remained in

the Judson family until 1888.

In 1920 it was willed to the

Stratford Historical Society,

which has furnished it with

notable period pieces. Located

in the Stratford Center Historic

District, the Judson House is

operated in conjunction with

the office, research library and

Catherine B. Mitchell Museum

of the Stratford Historical Society. House and Museum tour hours: June-Sept.,

Wed. and Sun., noon-4 p.m.; Oct., Sun., noon-4 p.m. Society and Museum office

hours: Tues. and Thurs., year-round, 9 a.m.-2:30 p.m. Info: 203-378-0630.

Shelton: Brownson House,

70 Ripton Road

The Shelton Historical Society says

that the Brownson House “while

not the oldest in the city nor the

fanciest, nevertheless has a story

worth telling.” The house and the

other structures on its site—a farm

barn, a carriage barn, a one-room

schoolhouse, a corncrib and even

an outhouse!—were saved by the

Society from destruction, moved

from their traditional sites to the

current site, and developed into the

Shelton History Center. The Center’s

collections and programs trace

Shelton’s evolution over the years

from its early European settlement

through its agricultural period

and into the industrial 20th

century. The house itself is a two-

story structure built in the 1820s

and incorporates both Federal

and Greek Revival elements. The

house eventually was acquired

by Harry Booth Brownson, who

married Gertrude Buckingham

in 1904. Making their living as

farmers, the couple lived in the house

for over 60 years. The Historical

Society aims to present the house as

it would have been during the early

years of the marriage of Harry and

Gertrude. Storm damage in 2015

caused the house itself to be closed

for repairs, but the Society expects

to reopen it to the public in 2017.

In the meantime, appointments can

be made to use library resources

at the site and to view the other

structures. For information: U.S.

Mail: P.O. Box 2155, Shelton, CT

06484; Phone: 203-925-1803; E-mail:

shcdirector@gmail.com; Web: www.

sheltonhistoricalsociety.org

Houses with many stories . . .

Continued from page 8.

Cover story photo credits can be found on page 66.

Trumbull: Ephraim Hawley House,

2944 Nichols Avenue

(Front view on front cover; rear view here.)

If this house could talk, it might boast of

many things. One would be the fact that,

constructed in the late 17th century, it

is the oldest house extant in the historic

area of Trumbull known as Nichols. The

Nichols Farms Historic District there cur-

rently has 81 buildings. Ephraim Hawley,

who built the house, was one of the first

settlers to arrive in the area. The extended

Hawley family over the years became

prominent in Connecticut political, mili-

tary and business affairs. The house could

also brag about its architectural evolution

from “Cape Cod cottage” style through

three additions that made it into a classic

saltbox-style farmhouse. Many original

architectural details remain preserved in

the privately owned home. The house

could also point out the unique fact that it

has been located in four different named

townships in its history but has never been

moved from its original location. Shifting

boundaries make up that story.

Stratford: Captain David Judson House, 967 Academy Hill Road

This house in the Georgian style was mostly constructed in 1723, but it was built

on the stone foundation and incorporates the huge central stone chimney of the

original house built on the site by David Judson’s great-grandfather in 1639. The

1639 date would give the house bragging rights to the title of second-oldest house

in Connecticut. It could also brag about its “broken scroll” pediment entryway,

which is one of the finest in the state. Bragging, however, would be replaced

by sadness over the fact that

the house’s cellar was used

as slave quarters in the 18th

century. The house remained in

the Judson family until 1888.

In 1920 it was willed to the

Stratford Historical Society,

which has furnished it with

notable period pieces. Located

in the Stratford Center Historic

District, the Judson House is

operated in conjunction with

the office, research library and

Catherine B. Mitchell Museum

of the Stratford Historical Society. House and Museum tour hours: June-Sept.,

Wed. and Sun., noon-4 p.m.; Oct., Sun., noon-4 p.m. Society and Museum office

hours: Tues. and Thurs., year-round, 9 a.m.-2:30 p.m. Info: 203-378-0630.

Shelton: Brownson House,

70 Ripton Road

The Shelton Historical Society says

that the Brownson House “while

not the oldest in the city nor the

fanciest, nevertheless has a story

worth telling.” The house and the

other structures on its site—a farm

barn, a carriage barn, a one-room

schoolhouse, a corncrib and even

an outhouse!—were saved by the

Society from destruction, moved

from their traditional sites to the

current site, and developed into the

Shelton History Center. The Center’s

collections and programs trace

Shelton’s evolution over the years

from its early European settlement

through its agricultural period

and into the industrial 20th

century. The house itself is a two-

story structure built in the 1820s

and incorporates both Federal

and Greek Revival elements. The

house eventually was acquired

by Harry Booth Brownson, who

married Gertrude Buckingham

in 1904. Making their living as

farmers, the couple lived in the house

for over 60 years. The Historical

Society aims to present the house as

it would have been during the early

years of the marriage of Harry and

Gertrude. Storm damage in 2015

caused the house itself to be closed

for repairs, but the Society expects

to reopen it to the public in 2017.

In the meantime, appointments can

be made to use library resources

at the site and to view the other

structures. For information: U.S.

Mail: P.O. Box 2155, Shelton, CT

06484; Phone: 203-925-1803; E-mail:

shcdirector@gmail.com; Web: www.

sheltonhistoricalsociety.org

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Continued on page 12

Cover story photo credits can be found on page 66.

Easton: Ida Tarbell House, 320 Valley Road

Twin Oaks, a simple farmhouse, dating from

1790, in the bucolic Easton Corners section

could relate a history of a historian. The house

was the home of Ida M. Tarbell from 1906 to her

death in 1944. Tarbell, born in 1857, was one

of the most significant figures ever in American

journalism. Her articles on monopolistic

practices, collected in her 1904 book The History

of the Standard Oil Company, were enormously

popular and influential. Dubbed a “muckraker”

at the time, her extensive research and accurate

reportage have led her to be considered a pioneer

of investigative journalism. While living in

Easton, however, she loved the roles of farmer,

home improver and provider for her extended

family, though she never married. The couple

who have owned Twin Oaks for the past 30 years

or so report that the house has many seemingly

mysterious or quirky features dating from

Tarbell’s time—but these features usually,

upon investigation, have turned out to be

quite utilitarian.

Monroe: Daniel Basset House, 1024 Monroe Turnpike

The Daniel Basset House could tell a tale of marching

feet—and dancing feet; feet that helped to win American

independence. Built in 1775, the house was constructed not

long before the passage in 1781 of French troops through the

rolling hills of Monroe on their 680-mile-long march from

their landing point in Rhode Island to join Washington’s

forces in Virginia for the decisive siege of Yorktown. Tradition

holds that a ball was held in the spacious house’s second floor

to honor the French troops. Today the privately owned home

(of a local historian) retains much of its original impressive

appearance, though the decoration around the entrance dates

from the early 19th century.

Houses . . . Continued from page 11

Cover story photo credits can be found on page 66.

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We bring the healthcare to YOU whether you’re at home, your

ofﬁce or on vacation.

We offer ALL of the services you can expect to receive at the

doctor’s ofﬁce for an Affordable price.

YOU also have access to the VIRTUAL VISITS with our Telemedicine

Services (over your computer or cell phone).

Become a member for a low monthly fee or receive services as needed in an “a la carte” fashion.

ALL monthly Memberships INCLUDE:

• HOUSE CALL VISITS and VIRTUAL Visits (including a full physical exam).

• FREE or DISCOUNTED LABORATORY BLOOD TESTS

• HUGE DISCOUNTS on Medications (select medications from our medication supply).

• EXPEDITED REFERRALS for those patients requiring care via a specialist.

Along with huge time and money savings, you get home visits and virtual access to your family

healthcare providers, no matter where you are: home, ofﬁce, school and vacations.

WE ARE ALWAYS AVAILABLE. Rest assured that you will never be without the proper treatment.

TOO BUSY to

see a Doctor?

Have a loved one

who cannot leave

the house?

Call:

(203) 259-1911

or visit us on the web:

cthousecalls.com

OUR In-Office MEDICAL PLAN

$49/month plus $20 per visit scheduling

fee gets you:

ALL your visits to the office

Physical Exam with EKG

FREE Blood Tests for the year

(all the common blood tests)

Super Discounted Medicines

(All American-made Pharmaceuticals)

Same day appointments

Longer Visits than other doctors

can provide (Average 30 min. per visit)

Membership in Network, which is

now in over 25 states (if you are

traveling and need medical attention

you may be able to be seen there for

the same $20 office visit fee)

Kids are ½ price on a Family Plan.

Employers can COST-SPLIT with

employees ($25/month each).

If you have NO INSURANCE, this is a

NO-brainer. You get ALL the care you need

from 1 office for $600-$700 a year.

(If you have insurance with a deductible, you

will save money with this plan)

It’s time to invest in YOUR health.

House Call

Plans as

low as

$69-$99/

month

FAIRFIELD FAMILY PHYSICIANS, LLC

HOUSE CALLS and VIRTUAL VISITS LLC

2184 Main St., Stratford, CT 06615

(203) 378-9002

36 Sanford St., Fairfield CT 06824

(203) 259-1911

Dr. Lee Forest

Board Certified Family Practice

Mary Kay Wegman, APRN

Family Nurse Practitioner

The Achieving a Better Life

Experience (ABLE) account provi-

sion was signed into law in December

2014. It recognizes the special finan-

cial burdens faced by families with

members who are disabled.

ABLE accounts allow disabled per-

sons to have a cash account to pay for

“qualified disability expenses” with-

out loss of SSI or Medicaid benefits.

As of now, any disabled person can

open an ABLE account in any state

that has a program that is up-and-

running. As of January 1, 2017,

programs are available in Alaska,

Florida, Kansas, Kentucky, Michigan,

Nebraska, Ohio, Oregon, Rhode

Island, Tennessee and Virginia.

Connecticut is in the process of set-

ting up the program. HINT: Many

seniors/elders may now fund such

ABLE accounts for benefit of a dis-

abled family member.

Re. ABLE accounts:

1. They are tax-advantaged savings

accounts.

2. Only one ABLE account is allowed

per each disabled person.

3. Beneficiary must be diagnosed as dis-

abled before age 26. (Discussions being

held to increase age to 46.)

4. Disability is proved by SSI or SSDI or

by obtaining a Certificate of Disability

from a doctor.

5. Maker of the account can be any

individual, including the person with

a disability.

6. Any “person” can contribute to the

ABLE account; this would include: the

disabled person; parent; sibling, estate;

partnership; association; company or

corporation; or Trustee of Special Needs

Trust (SNT).

7. Payback provision is more favorable

than for a Special Needs Trust. Payback

to the State of Connecticut is limited

to amount of benefits paid out from the

time that the ABLE account was opened.

Once Medicaid lien is resolved, the bal-

ance of the account can go to heirs.

8. Annual contributions are limited

to $14,000.

9. If the account balance exceeds

$100,000, there is a reduction in

SSI benefits.

10. There is no federal cap on

account balance to remain eligible for

Medicaid. However, many states, inclu-

ing Connecticut, have set a limit of

$300,000 per plan.

“Qualified disability expenses” include:

education; housing; transportation;

employment training and support;

assistive technology; personal support

services; health; prevention and well-

ness; financial management and admin-

istrative services; legal fees; expenses

for oversight and monitoring of ABLE

account; funeral and burial expenses;

basic living expenses; other expenses

approved through regulations.

N.B. With an SNT there is a one-third

reduction in SSI benefits for pay-

ments by the SNT for Food/Shelter

Distributions, whereas with the ABLE

account, there is no reduction of SSI.

Additional benefits of ABLE Accounts:

You, not the Trustee of the Special

Needs Trust, retain control over money

distributions; easy to establish and

administer; no need for Probate Court

oversight/involvement; limited payback

provision upon termination; easy way

to save a small sum of money from an

inheritance or settlement and not have

to “spend it down” to retain benefits;

alternative to spenddown; alimony/

child support avoids SSI reduction;

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 Estate

Attorney 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. Hughes

1432 Post Road, Fairfield, CT 06824

203-256-1977 • E-mail: Hughes_james@sbcglobal.net • www.fairfieldctelderlaw.com

by Attorney

James M. Hughes

Can I transfer assets to a disabled family member without

loss of his/her benefits? Yes, by use of ABLE Accounts.

here

“

ain

treet

”

emory

ane.

The Village at Waveny

offers award-winning

Assisted Living and a therapeutic approach to

memory and dementia care. Conveniently

located in New Canaan, our world-renowned

indoor “Main Street” is a bustling site for

meaningful interaction and fulfilling activities.

Discover more about everything we have to

offer, including long-term care and short-term

overnight respite stays for caregiver relief, by

calling

203.594.5302 or visiting waveny.org.

And, enjoy long-range confidence knowing all

Village residents have priority access to Waveny’s

entire non-profit continuum of care including

Waveny Care Center, our 5-star Medicare and

Medicaid accredited skilled nursing facility, should

personal or financial needs ever change.

73 Oenoke Ridge

New Canaan, Connecticut

ust a stone’s throw from New Canaan’s

vibrant town center, The Inn offers distinctive

independent senior living that celebrates wellness,

dignity and choice. And, all Inn residents enjoy

long-range confidence knowing they have priority

access to Waveny’s entire non-profit continuum

of care, including personal care services through

Waveny at Home, and Waveny Care Center, our

5-star Medicare and Medicaid accredited skilled

nursing facility, should their personal or financial

needs ever change.

Call

203.594.5450 or visit waveny.org to

discover more about life at The Inn. Schedule

lunch and a tour, and come visit us today.

The startled shopper became even

more startled when a police officer

suddenly appeared. The officer

explained what was going on. It was

a Purse Patrol, and the pleasant-

looking woman who had brushed

by was Angela DeLeon, Senior

Community Relations and Crime

Prevention Specialist from People’s

United Bank, and it was she who had

placed the sticker on the purse, just

one of many stickers that she would

place that day.

On the Purse Patrol that day, after

DeLeon had tagged distracted

shoppers’ purses, handbags or

wallets, simulating the time that

it would take for a thief to do

he shopper peered intently at

the goods on the supermarket

shelf, trying to decide which

brand was the best bargain. As she

pondered her decision, a pleasant-

looking woman quickly and quietly

brushed by her and continued

down the aisle, brushing past other

shoppers. The pondering shopper

picked a product and turned to

push her cart, which held her purse,

on to other areas of the store. But

something caught her eye. It was a

sticker on her purse that read:

by Peter J. O’Connell, Editorial and Research Associate

KEEP AN EYE ON YOUR PURSE!

Shelton Police Department Crime Prevention Officer David Eldridge discusses with a

shopper at Stop and Shop ways to protect a pocketbook from would-be thieves.

victim can expect to spend $500

and 30 hours resolving each identity

theft crime.

In the store of the pondering

shopper, also in Fairfield County,

a tagged shopper mused: “I was

close to my purse, but now I’ll be

more aware.” As Angela DeLeon

of initiatives in addition to the

Purse Patrols.

For information on these initiatives as well

as the Purse Patrols, contact: Ms. Angela

DeLeon, People’s United Bank, 850 Main

Street, Bridgeport, CT 06604; 203-338-4225;

Angela.DeLeon@peoples,com.

never tires of saying: “Awareness is

key, and we all have to look out for

one another in the name of safety.”

To increase awareness and safety,

particularly with regard to senior

citizens, who are specially targeted

by thieves and scamsters, People’s

United Bank has developed a range

Angela DeLeon of People’s United Bank and Shelton

Police Chief Shawn Sequeira at a press conference on

crime prevention at Stop and Shop in Shelton.

his/her snatching, various police

officers explained the dangers of

theft in and around stores and gave

tips to shoppers on how to avoid

becoming a victim. Many shoppers

had thought that they already were

taking sufficient precautions. For

example, during a Purse Patrol

in one Fairfield County store, a

shopper told a reporter: “I try to

keep an eye on my bag, I really do.”

But looking at the sticker on her

purse, she added: “I guess something

can happen really fast.” About such

statements, DeLeon comments:

“You’ll see how quickly we can tag

a purse, and how quickly I could

really take the purse and go.”

Many People’s United Bank

branches are located in Stop and

Shop markets, and the chain often

partners with the bank in organizing

Purse Patrols. As Cindy Carrasquilla,

Stop and Shop’s Manager of Public

Relations and Community Relations

for the New York Metro Area, has

said: “It’s easy for people to get

distracted while shopping, especially

during the busy holidays. But we

make public safety a top priority,

and there are things you can do to

make the job of a would-be thief a

little more difficult . . . .”

DeLeon and police officers point

out that the greatest danger in the

snatching of purses, handbags or

wallets is not necessarily in the loss

of cash or car or house keys but

in identity theft. According to the

Federal Trade Commission,

19 people become victims of identity

theft every minute, and the average

Angela DeLeon has some tips for shoppers about how

to save money, not by finding bargains in a store but

by making sure that, while you are in a store, no one

steals your money—or your identity.

BE A SAVVY—AND SAFE—SHOPPER

• Be aware of your surroundings at all times and anyone

invading your “personal space.”

• When paying at the register with a debit card, cover

the PIN pad to prevent anyone from seeing your PIN

number. Also, never pick a PIN number that correlates to

your personal information—such as a birth date, address,

or the last four digits of your Social Security number.

• When standing at the checkout register, do not “flash

cash” by opening your wallet wide and revealing your

money or credit cards.

• If carrying a purse, be sure to keep it zipped closed and

never leave it unattended in the shopping cart. You can

attach your purse to the cart using the child safety strap

and buckling that strap to the cart, for added safety.

• If wearing a coat with large pockets, put your ID, money,

debit or credit card, and keys in those pockets that are

not easily accessible by others.

• When putting your purchases in your car, first put your

purse in an obscure place in the vehicle so that while

you are unloading your grocery cart, your purse cannot

be stolen.

• If your purse or wallet is stolen, immediately alert store

security and contact police. If your keys are also stolen,

check the parking lot to see if your car is missing. If your

house keys are stolen, notify a neighbor to watch your

house, alert police, and have your locks changed as

soon as possible.

The startled shopper became even

more startled when a police officer

suddenly appeared. The officer

explained what was going on. It was

a Purse Patrol, and the pleasant-

looking woman who had brushed

by was Angela DeLeon, Senior

Community Relations and Crime

Prevention Specialist from People’s

United Bank, and it was she who had

placed the sticker on the purse, just

one of many stickers that she would

place that day.

On the Purse Patrol that day, after

DeLeon had tagged distracted

shoppers’ purses, handbags or

wallets, simulating the time that

it would take for a thief to do

he shopper peered intently at

the goods on the supermarket

shelf, trying to decide which

brand was the best bargain. As she

pondered her decision, a pleasant-

looking woman quickly and quietly

brushed by her and continued

down the aisle, brushing past other

shoppers. The pondering shopper

picked a product and turned to

push her cart, which held her purse,

on to other areas of the store. But

something caught her eye. It was a

sticker on her purse that read:

by Peter J. O’Connell, Editorial and Research Associate

KEEP AN EYE ON YOUR PURSE!

Shelton Police Department Crime Prevention Officer David Eldridge discusses with a

shopper at Stop and Shop ways to protect a pocketbook from would-be thieves.

victim can expect to spend $500

and 30 hours resolving each identity

theft crime.

In the store of the pondering

shopper, also in Fairfield County,

a tagged shopper mused: “I was

close to my purse, but now I’ll be

more aware.” As Angela DeLeon

of initiatives in addition to the

Purse Patrols.

For information on these initiatives as well

as the Purse Patrols, contact: Ms. Angela

DeLeon, People’s United Bank, 850 Main

Street, Bridgeport, CT 06604; 203-338-4225;

Angela.DeLeon@peoples,com.

never tires of saying: “Awareness is

key, and we all have to look out for

one another in the name of safety.”

To increase awareness and safety,

particularly with regard to senior

citizens, who are specially targeted

by thieves and scamsters, People’s

United Bank has developed a range

Angela DeLeon of People’s United Bank and Shelton

Police Chief Shawn Sequeira at a press conference on

crime prevention at Stop and Shop in Shelton.

his/her snatching, various police

officers explained the dangers of

theft in and around stores and gave

tips to shoppers on how to avoid

becoming a victim. Many shoppers

had thought that they already were

taking sufficient precautions. For

example, during a Purse Patrol

in one Fairfield County store, a

shopper told a reporter: “I try to

keep an eye on my bag, I really do.”

But looking at the sticker on her

purse, she added: “I guess something

can happen really fast.” About such

statements, DeLeon comments:

“You’ll see how quickly we can tag

a purse, and how quickly I could

really take the purse and go.”

Many People’s United Bank

branches are located in Stop and

Shop markets, and the chain often

partners with the bank in organizing

Purse Patrols. As Cindy Carrasquilla,

Stop and Shop’s Manager of Public

Relations and Community Relations

for the New York Metro Area, has

said: “It’s easy for people to get

distracted while shopping, especially

during the busy holidays. But we

make public safety a top priority,

and there are things you can do to

make the job of a would-be thief a

little more difficult . . . .”

DeLeon and police officers point

out that the greatest danger in the

snatching of purses, handbags or

wallets is not necessarily in the loss

of cash or car or house keys but

in identity theft. According to the

Federal Trade Commission,

19 people become victims of identity

theft every minute, and the average

Angela DeLeon has some tips for shoppers about how

to save money, not by finding bargains in a store but

by making sure that, while you are in a store, no one

steals your money—or your identity.

BE A SAVVY—AND SAFE—SHOPPER

• Be aware of your surroundings at all times and anyone

invading your “personal space.”

• When paying at the register with a debit card, cover

the PIN pad to prevent anyone from seeing your PIN

number. Also, never pick a PIN number that correlates to

your personal information—such as a birth date, address,

or the last four digits of your Social Security number.

• When standing at the checkout register, do not “flash

cash” by opening your wallet wide and revealing your

money or credit cards.

• If carrying a purse, be sure to keep it zipped closed and

never leave it unattended in the shopping cart. You can

attach your purse to the cart using the child safety strap

and buckling that strap to the cart, for added safety.

• If wearing a coat with large pockets, put your ID, money,

debit or credit card, and keys in those pockets that are

not easily accessible by others.

• When putting your purchases in your car, first put your

purse in an obscure place in the vehicle so that while

you are unloading your grocery cart, your purse cannot

be stolen.

• If your purse or wallet is stolen, immediately alert store

security and contact police. If your keys are also stolen,

check the parking lot to see if your car is missing. If your

house keys are stolen, notify a neighbor to watch your

house, alert police, and have your locks changed as

soon as possible.

Variable Medicare Premiums by Thomas Gerrity, Publisher

eginning

in 2007,

the amount

that a retiree

must pay for

Medicare Part

B had a new

component put

into the mix: adjusted gross

income (AGI). Higher-income

retirees began paying more, and

the highest-income retirees had

to pay more than double for the

same coverage. Similar rules began

to apply to Medicare Part D in

2011. The table here spells out the

dollars for 2017.

Technically, these extra payments

are not taxes. They are premium

adjustments. But the way that

they work, a single dollar of extra

income can result in hundreds,

even thousands, of extra dollars

in payments. Accordingly, retirees

who are near the boundaries for

extra premium payments have an

extra incentive to do careful

tax planning.

However, there is an additional

twist. The premium adjustments

are based upon AGI from two years

earlier. So, for 2017 the premium

adjustments depend upon

2015 AGI.

Take control

Retirees have a number of choices

to make in taking control of their

AGI. Accelerating deductions,

however, is not among them,

because deductions are on the

path from AGI to taxable income,

and come into the picture after AGI

has been set. Ideas that may work

include:

• investing more in growth stocks

that do not pay dividends;

• choosing more tax-efficient mutual

funds;

• bunching distributions from

401(k) or 403(b) distributions;

• realizing capital losses;

• bunching stock sales;

• selling higher-basis assets to

minimize gains;

• making intra-family gifts of

income-producing assets;

• making qualified charitable

distributions from an IRA.

Higher stakes

Tax planning done for 2017 will

affect the 2019 excess Medicare

premiums. Starting in 2018, the

higher premiums are scheduled

to kick in at even lower levels of

income. The threshold for the third

bracket will fall to $133,500. The top

bracket will start at $160,000, 25%

below today’s threshold.

Lawmakers may have thought that

a retiree with $160,000 of income

doesn’t “need” that $4,000 or so of

excess premiums. But for someone

near that boundary line, a slight shift

in income can make a meaningful

difference to after-tax capital.

MONTHLY MEDICARE PREMIUMS FOR 2017

The standard Medicare Part B monthly premium in 2017 is $134.

Those with higher incomes must pay the standard amount plus the

amounts indicated in the table below. For married couples filing jointly,

the income threshold is doubled. In 2017 the maximum additional

premiums for Part B and Part D are $4,449.60 for singles, and

$8,899.20 for married couples.

Medicare premiums (monthly)

Modified AGI

Additional

Part B pre-

mium

Additional

Part D

premium

Total Annual

$85,000 or less $0 $0 $0 $0

$85,000 to $107,000 $53.50 $13.30 $66.80 $801.60

$107,000 to

$160,000

$133.90 $34.20 $168.10 $2,017.20

$160,000 to

$214,000

$214.30 $55.20 $269.50 $3,234.00

Over $214,000 $294.60 $76.20 $370.80 $4,449.60

Source:

https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html

; M.A. Co.

What is “decluttering” and why do it?

Decluttering is a health and safety

activity that has two parts. The first

focuses on getting rid of objects

(clothing, papers, furniture, etc.,

etc.) that no longer serve a good

purpose in your life—clutter. The

second focuses on creating a system

of personal organization that is

easy to maintain and guards against

accumulating things that are neither

necessary nor nourishing (physically

or psychologically)—clutter.

Clutter drains both physical and

mental energy. It may make it hard

to get around the home and pose

slip-and-fall or fire hazards. It weighs

on the mind. Carried to the point of

compulsive hoarding, it can even kill,

as it did in 2014 to a Connecticut

woman whose jammed house

collapsed, crushing her to death.

So declutter! There are decluttering

specialists who can help you develop a

system of personal organization. One

such in Connecticut is Larry Russick

of Larry Russick Services, who has a

ten-step plan. For information, go to:

www.strivingforclarity.com.

What is the File of Life?

The File of Life consists of a

refrigerator magnet with an attached

red plastic pocket that holds a tri-fold

card on which you can record your

vital emergency information.

This voluntary program is designed to

help first responders quickly obtain in

an emergency your necessary medical

history, your support needs, and your

emergency contact information. It

could help save your life.

Ask the Advisor

Can cell phones interfere with

implantable medical devices?

If you use a cell phone and also have

a pacemaker, cardioverter defibrillator

or other medical device implanted in

your body, there are some important

points that you should bear in mind

in order to avoid potential interference

with the device by the phone. First,

carefully read and follow all directions

from the manufacturer of the device,

and if you have any questions about

using your phone with it, consult

your health care provider. In any

case, always keep the phone more

than six inches from the implantable

device when the phone is turned

on, and use the ear opposite the

device to minimize the potential for

interference. Never carry the phone in

a breast pocket, and immediately turn

it off if there is any reason whatsoever

to suspect that interference is taking

place. For more information on this

subject, contact the U.S. Food and

Drug Administration at www.fda.gov.

A friend mentioned that I could save

money on prescriptions by using

coupons. Is this true? And where do

I get the coupons?

Manufacturer’s coupons are a

good way to save on prescription

medications. If you have been

prescribed a brand-name drug, go to

the manufacturer’s Web site and see

if they offer any discount coupons.

The savings vary by manufacturer, but

many companies offer discounts for

each prescription, while others offer

a one-time coupon to cover the first

use of the medication. If you have

insurance, some of the coupons will

reduce or eliminate your co-pay.

Also check out the Web site for

Pharmaceutical Research and

Manufacturers of America at www.

Pparx.org. This is the trade group

for the pharmaceutical industry, and

they have a clearing house called

the Partnership for Prescription

Assistance, which will link you to

the manufacturer of your drugs and

many different assistance programs.

Does Connecticut offer a discount

on admissions to parks for seniors?

Yes. Passes providing lifetime

free admission to all state parks

and forests (excluding camping)

are available free of charge to all

Connecticut veterans with a service-

related disability and to residents 65

and older.

The passes can be used to waive

parking fees at any state park. Access

will be permitted for the vehicle and

all passengers. The pass holder does

not have to be the driver of

the vehicle.

Send questions to: tgerrity@seniorgotoguide.com

Or by U.S. mail to: Peter O’Connell, Senior GO TO Guide

1166 Barnum Ave., Stratford, CT 06614

Nurturing can be a two-way street.

Waveny LifeCare Network provides a comprehensive continuum of care options to serve

seniors from all areas. With more than 40 years of expertise and a person-centered mission, we

recognize that personal needs can change over time, or even in an instant. That’s why it’s so important

to entrust your care to a healthcare provider that can meet your unique needs and preferences both

now in the moment, and beyond. Conveniently located in New Canaan, Waveny offers an array

of eldercare choices ranging from world-class residential options and long-term care, to overnight

respite stays, outpatient and day programs, and in-home services. Like a river, our continuum

of care flows fluidly within a single non-profit organization, without any expensive buy-in fees or

long-term commitments. Discover more by calling

203.594.5200 or visiting www.waveny.org.

BRINGING HOSPITALITY TO HEALING

™

PROUD TO BE RATED 4 STARS

BY THE CENTERS FOR MEDICARE

& MEDICAID SERVICES (CMS)

34 Midrocks Drive

Norwalk, CT 06851

AutumnLakeNorwalk.com

203-842-5700

Call to schedule a

PERSONAL TOUR!

FOR AN

Enhanced Recovery

Experience!

Choose AUTUMN LAKE

• Physical, Occupational & Speech Therapies 7 Days a Week!

• Cardiac Rehabilitation

• State-of-the-Art Pulmonary Rehab

• Orthopedic Aftercare

• Neuromuscular Re-education

• Specialized Wound Care

• Peritoneal Dialysis

• IV Infusion/Medication

• Pain Management

• Total Parenteral Nutrition (TPN)

Our comprehensive suite of

SPECIALIZED CLINICAL PROGRAMS includes:

Autumn Lake Healthcare

at Norwalk

Each facility is independently owned and operated. Autumn Lake Healthcare licenses the use of its name to Autumn Lake Healthcare Facilities.

Come

demonstrate our

AlterG

ANTI-GRAVITY

TREADMILL

At AUTUMN LAKE we focus on reducing our patients’ length of stay

via individualized care plans, minimizing hospital readmissions,

and ensuring a quicker and safer return home.

is a haven of healing and comfort where

all your clinical and personal needs are

anticipated and fulfilled. From the

dedicated patient concierge and the

24-hour nursing staff, to our stellar team

of therapists, we take pride in providing

a recovery experience that will be

remembered for the warmth we exude

and the clinical excellence we provide.

SHORT-TERM REHAB

The care

you need,

close to

home.

H H H H H

HIGHEST RATING

BY MEDICARE.

MINUTES FROM

FAMILY & FRIENDS.

Short-term rehab at

The Nathaniel Witherell is

designed to ﬁt your life

and style. Recuperate

in a private room

and beneﬁt from

our professional,

patient-centered

care. Therapy

is available

seven days

a week, using

state-of-the-art

equipment.

Contact George Cossifos at

203-618-4232 or gcossifos@witherell.org

70 Parsonage Road | Greenwich CT 06830

THE VILLA AT STAMFORD

for Premier Rehabilitation & Healthcare

• At The Villa, our staff is dedicated to working with our

residents to help them acquire or relearn the skills

they will need to be active and live independently.

• Our experienced staff of Physical Therapists

work with each resident up to 7 days a week to

improve strength and restore function through

the use of therapeutic exercises. In addition, our

Rehabilitation Program puts special emphasis

on pain management so that each resident can

maximize his or her potential in a comfortable and

dignified manner.

• Whether recuperating from an orthopedic

procedure, a cardiac event, a CVA (stroke), or a

lengthy hospitalization, our team of therapists are

well trained to ensure each resident reaches his or

her maximum level of independence.

• Our Occupational Therapy program is aimed at

improving fine motor control, coordination, and

cognitive skills and teaches functional and self-care

skills commonly referred to as Activities of Daily

Living (ADL), which include feeding, dressing and

grooming.

• Our trained Speech and Language Pathologists

help our residents communicate more effectively by

using advanced techniques in oral and pharyngeal

sensorimotor training.

• Our social work and case management teams

provide continuous support to both residents and

their families to ensure a safe and appropriate

return to the community.

REHABILITATION

SHORTTERMREHAB

THE VILLA AT STAMFORD

for Premier Rehabilitation & Healthcare

• At The Villa, our staff is dedicated to working with our

residents to help them acquire or relearn the skills

they will need to be active and live independently.

• Our experienced staff of Physical Therapists

work with each resident up to 7 days a week to

improve strength and restore function through

the use of therapeutic exercises. In addition, our

Rehabilitation Program puts special emphasis

on pain management so that each resident can

maximize his or her potential in a comfortable and

dignified manner.

• Whether recuperating from an orthopedic

procedure, a cardiac event, a CVA (stroke), or a

lengthy hospitalization, our team of therapists are

well trained to ensure each resident reaches his or

her maximum level of independence.

• Our Occupational Therapy program is aimed at

improving fine motor control, coordination, and

cognitive skills and teaches functional and self-care

skills commonly referred to as Activities of Daily

Living (ADL), which include feeding, dressing and

grooming.

• Our trained Speech and Language Pathologists

help our residents communicate more effectively by

using advanced techniques in oral and pharyngeal

sensorimotor training.

• Our social work and case management teams

provide continuous support to both residents and

their families to ensure a safe and appropriate

return to the community.

REHABILITATION

SHORTTERMREHAB

THE VILLA AT STAMFORD

for Premier Rehabilitation & Healthcare

Skilled Nursing Services

Short Term Rehabilitation

Care for Individuals with Swallowing

Difficulties

Respiratory/BiPapCare

IV/PICC Line Therapy

TPN (Total Parenteral Nutrition)

Wound Care/Wound Vac Therapy

Tracheostomy Care

Memory Care/Dementia/Alzheimers

Palliative Care

Hospice Care

SERVICES:

THE VILLA AT STAMFORD

for Premier Rehabilitation & Healthcare

203.322.3428 | WWW.STAMFORDVILLA.ORG

• At The Villa you can rest assured that your loved one is

benefitting from the most advanced level of Dementia/

Alzheimers care and achieving the greatest possible

quality of life.

• Our Program uses a multi-disciplinary care approach

which incorporates the skills of our Geriatric Physicians,

Recreational Staff, and specially trained Nurses and

Certified Nurses Assistants to provide the highest level

quality of life.

• On a daily basis your loved one will partake in recreational

activities that stimulate the mind, body and soul. Each

resident will have an individually customized plan-of-

care that will be geared to maximizing lifelong passions

and hobbies in order to restore and rejuvenate memory

and function. Our environment is home-like and secure,

leaving you with peace of mind regarding the well-being

of your loved one.

For more information please contact us at (203) 322-3428.

LIFE QUALITY MEMORY CARE

SPECIALIZED DEMENTIA/

ALZHEIMERS PROGRAM

SPECIALTY PROGRAMS:

• Short-Term Rehab

At The Villa, our sta is dedicated to working with our

residents to help them acquire or relearn the skills they

will need to be active and live independently.

• Long-Term Care

• Post Surgical Orthopedic Care

• Hip Repair/Joint Replacement Recovery

• Amputee/Prosthetic Training Program

• Stroke Recovery Program

• Cardiac and Pulmonary Rehabilitation

• TPN (Total Parenteral Nutrition)

• IV/PICC Line Therapy

• Memory Care/Dementia/Alzheimer’s

• Wound Care/Wound Vac Therapy

AMENITIES

• Private Suites

• Meditation Room

• Pastoral Care

• Flat Screen TV

• Free Cable

• Phone Service

• Free WIFI

• Family Lounge

• Formal Dining Area

• Bistro Menu

THE VILLA AT STAMFORD

for Premier Rehabilitation & Healthcare

Skilled Nursing Services

Short Term Rehabilitation

Care for Individuals with Swallowing

Difficulties

Respiratory/BiPapCare

IV/PICC Line Therapy

TPN (Total Parenteral Nutrition)

Wound Care/Wound Vac Therapy

Tracheostomy Care

Memory Care/Dementia/Alzheimers

Palliative Care

Hospice Care

SERVICES:

THE VILLA AT STAMFORD

for Premier Rehabilitation & Healthcare

203.322.3428 | WWW.STAMFORDVILLA.ORG

• At The Villa you can rest assured that your loved one is

benefitting from the most advanced level of Dementia/

Alzheimers care and achieving the greatest possible

quality of life.

• Our Program uses a multi-disciplinary care approach

which incorporates the skills of our Geriatric Physicians,

Recreational Staff, and specially trained Nurses and

Certified Nurses Assistants to provide the highest level

quality of life.

• On a daily basis your loved one will partake in recreational

activities that stimulate the mind, body and soul. Each

resident will have an individually customized plan-of-

care that will be geared to maximizing lifelong passions

and hobbies in order to restore and rejuvenate memory

and function. Our environment is home-like and secure,

leaving you with peace of mind regarding the well-being

of your loved one.

For more information please contact us at (203) 322-3428.

LIFE QUALITY MEMORY CARE

SPECIALIZED DEMENTIA/

ALZHEIMERS PROGRAM

For more information about our programs

and services, please contact us:

88 Rock Rimmon Road • Stamford CT, CT 06903

203-322-3428 • www.stamfordvilla.org

Introducing Our NEW Intensive Stroke Rehabilitation Program

Directed by Neurologist Daryl Story, MD and Physiatrist Claudio Petrillo, MD

76 West Rocks Rd, Norwalk, CT • 203.847.5893 • ndch-sstv.org

Notre Dame Convalescent Homes, Inc. has been awarded 5 stars

by the Center for Medicare and Medicaid Services

★★★★★

A CARING

Place Between

Hospital & Home

Notre Dame

Convalescent Homes, Inc.

Sisters of Saint Thomas

of Villanova

439 Danbury Road, Route 7

Wilton, CT 06897

203.834.0199

www.wiltonmeadowshealthcare.com

The Harry and Jeanette Weinberg Campus on Park Avenue

The Jewish Home Nursing home providing long term care including Alzheimer’s and dementia care

Chaifetz Family Hospice Palliative care, pain management, emotional, spiritual and bereavement support

Home Together™ Adult family living and foster homes; arranges caregiver support in your home

Private Physician Practice Geriatric primary care medical services

The J Fitness Center Full service health club with pool, cardio, yoga, spinning, etc.

Assisted Living Residences

1-bedroom apartments and memory care studios for individuals and couples.

Meals, ﬁtness center membership and access to campus activities.

Goldstein Rehabilitation Center Short term care post hospitalization

Friedman Home Care Agency Skilled nursing services, licensed nurses, therapists, companions and aides; hourly and live-in

Outpatient Therapy Physical, occupational, and speech therapy; exercise programs

Institute on Aging Geriatric assessment, care management, the Center for Elder Abuse Prevention

Providing Senior Care roughout Southern Connecticut

Serving Connecticut for Over 40 Years

203-365-6400 • www.jseniors.org

Services Summary

Senior Choice at Home

Membership based program delivers full range of in-home

and nursing home care plus care navigation

Grasmere by the Sea

Adult Day Program

Supervised nursing, social activities, recreation, meals, personal care; transportation available

Short-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.