Minutes for July 10, 2012 held at The United Methodist Church, Saratoga Springs
Present: Cindy Harrington (Shelters of Saratoga), Deb Bdand, (Price Chopper Pharmacies), Candy Rivera –Whitehead (NYS-EPIC), Mary Rickard, Ardis Armer, Patrick Harrington, Connie Weaver & Mary Sala (Saratoga County Office for the Aging), Diana Martin (Wesley Evergreen Adult Day Care), Steve Mason (517 Home Inspection), Arlene Young (Visitor), Maria Geiger (Home Instead Senior Care), Richard Amico (St. Edward’s Church, Pastoral Care), Kim Swire (CHOICES), Kathy Wallace, Terra Purdy & Denis Livsey, (SAIL), Robin Peters (Eddy VNA), Carrie Snyder (ILCHV-MFP), Alicia Murray-Craig (ILCHB-Interim), Reed Lehan (Adult & Family Services – DSS), Lois Celeste (Saratoga Senior Center), Holly Pajak (Design in Mind), Kym Hance (Home Helpers), Edward Malone (Prime Care Medical Equipment), Sandra Nardoci, Prudential Manor Homes) and Mary Musso (Homestead Funding Corp.)
Introductions
Cindy Harrington went over the history and purpose of the Aging & Disability Network.
She thanked last month’s speakers, Sandi Cross from the Office for the Aging and Cindi Lisuzzo from Saratoga Hospital for their presentation on the new Community Care Transition Program (CCTP).
She announced that next month’s meeting will be Tuesday, August, 14th from 2:00pm – 3:30 pm. The meeting will be held at St. Edward’s Church in Clifton Park. The topic will be announced at a later date.
Participants introduced themselves.
Announcements
Maria Geiger announced that Home Instead is offering a Family Caregiver Support Webinar Series. The topic is “Managing the Stress of a Family Caregiver”. Webinars are scheduled for Tuesday, July 17th and Wednesday, July 25th, both sessions start at 1:00 pm. Register at caregiverstress.com/professionaleducation or at homeinstead.com.
Cindy Harrington stated that the Shelters of Saratoga open house held on June 28th was a great success. The agency opened a new facility at 20 Walworth Street, Saratoga Springs. The new facility has the ability to house 13 additional homeless people.
Deb Bdand from Price Chopper Pharmacies announced that a new Home Health Care Supply Store was recently opened at the Price Chopper in Malta.
Reed Lehan has Adult and Family Services Posters for distribution.
Today’s Topic and Speakers
Senior Independent Living Options (SILO)
Speakers Bureau
Today’s Presenters:
Edward Malone, Director Environment Modifications, Prime Care Medical Equipment
Sandra Nardoci, Senior Real Estate Specialist, Prudential Manor Homes, Realtors
Mary Musso, Licensed Senior Loan Originator, Homestead Funding Corp.
Holly Pajak, Design in Mind
Edward Malone, Prime Care Medical Equipment
SILO, Senior Independent Living Options, is a speakers bureau. The group provides free community seminars, workshops and panel discussions for seniors and their families. SILO currently has a list of 28 speakers and will be adding to this list. Ed provided the groups with a current list of speaker topics. Contact Ed to schedule a speaker at (518) 488-2267 or email emalone@nycap.rr.com.
Ed is affiliated with Prime Care Medical Equipment. Their goal is provide equipment and modification to a seniors home to help them age in place with dignity and independence. They work with seniors, their children, families and caregivers to accomplish this goal. They provide service to many area counties and have offices at Colonie Center, Gloversville and Utica.
He noted that there are 3 types of seniors: Go Go, Slow Go and No Go. The cost per month to live in a home that is mortgage free is about $700 - $800, an Assisted Living Facility would cost $2,000 - $4,000 and a Nursing Facility $8,000 - $12,000.
Prime Care provides a free home evaluation and utilizes universal design concepts, such as: widening doors, bathroom remodels, adaptive design, flex- a- bed, move thermostats so they can be reached, lift chair, stair lifts, electric door openers, expandable door hinges. Stair lifts are private pay but can be rented or purchased.
Prime Care sells and repairs medical equipment. Their staff provides Insurance Verifications, they will do the research to locate funding for the product that is needed. Prime Care works with Home Care programs, NHTD, TBI, Hospital Nursing Home and they also provide direct billing to many participating insurance providers.
Other products provided are: Scooter, which can be bought or rented
Standard and Bariatric Medical Equipment
Bath equipment, which is in stock and can be delivered
Respiratory products, 24 hour service
Sit-to-Stand Lifts
Broda Seating, pressure mapping wheelchairs
Ramps, new and used, can be installed, long or short term
Vertical lift, outdoor elevator
Seat cushions
Prime Care is in the process of organizing a community walk fundraiser to help fund ramps. The fundraiser is scheduled for the fall of 2013. Walks will take place in Saratoga and Albany. Ed is looking for volunteers to help set up this event.
Sandra Nardoci, Senior Real Estate Specialist, Prudential Manor Homes, Realtors
Sandi has earned a Senior Real Estate Specialist designation. There are about 200 such designated realtors in the Capital District. She noted that Seniors have most likely lived in their homes for a number of years and that their net worth is tied up in their homes. Sandi’s objective is to build a trust with her client. She partners with other business and available resources to make recommendations. She sets up an individual action plan to effectively market a senior’s home in order to obtain top dollar. Families are included in the planning process. Senior should look for a full-time realtor to sell their home.
Senior Real Estate Specialists require extra patience when working with Seniors.
Mary Musso, Licensed Senior Loan Originator, Homestead Funding Corp.
Mary is a Licensed Senior Loan Originator, her office is located in Colonie. Reverse Mortgage is a funding option and is appropriate in certain situations. There are up front expenses. Reverse Mortgages should be discussed with the entire family before entering into a contract. Reverse Mortgages are available to Homeowners age 62 years or older on their primary residence. Seniors are able to purchase a home with a reverse mortgage. There is no change in ownership; the bank does not own your home. The loan may be 50% - 70% of the property value of the home.
Funds can be distributed in a lump sum, a line of credit, lifetime payment while you are living in your home, term payment or a combination of the above.
Funds can be used for home improvements, pay off of an existing mortgage, health care expenses, supplemental income, reduce burden on the children, pay property taxes, monthly expenses, wealth management or to purchase a primary residence.
Repayment is required when the owner moves out of the house for 12 consecutive months, the home is sold or refinanced, all borrowers on the title pass away or failure to pay property taxes and insurance.
There are never any prepayment penalties. Reverse Mortgages could affect Medicaid clients.
Holly Pajak, Design in Mind
Design in Mind is a Senior Move Management service. Many seniors live in a large family house and would like to move to a smaller residence. The service assists with the transition. Seniors contact Design in Mind when they are ready to move, but don’t know how to get there. Holly has a background in interior design and is able to foresee the items that can be used in the new house and the amount of items that can realistically fit into the new home. Holly makes a sketch of the floor plan using the clients own items. She, then, helps the Senior downsize their possessions to make a functional environment.
The process: Senior makes the decision to downsize
Assists with finding a home, with the help of a Senior Real Estate Specialist
Home Redesign
Packing
Hire professional movers
Unpack
Design in Mind also sets up Estate sales and antique assessments on an individual basis.
Holly returns the next day after the move to assist with hanging pictures and setting up their new environment.
Evaluations were submitted to SILO. Names were drawn for door prizes.
Respectively Submitted,
Jane Hurst
No comments:
Post a Comment