experience - june 2015

JUNE 2015 FREE NEWS FOR BOOMERS AND BEYOND

INSIDE: Retirement Planning • Benefi ciary Designations • Medicaid Alert • Blue Grotto • and more!

Members of the local T.O.P.S. chapter 1159 in leadership roles

Vivian Gorden, at left, Cathy Mc Arthur, seated,

Judy Rockow, Teresa Theel and Donna Draves.

Not pictured: Diane Fricken.

2 | EXPERIENCE ACTION PUBLICATIONS | JUNE 2015

Better late than never for retirement planning

If you’re within 10 years of retirement and haven’t done any appreciable planning, you’re not alone.

Nearly half of Americans age 50 and older expect to retire later than they hoped, citing financial concerns, according to a 2013 study by the Associated Press-NORC Center for Public Affairs Research. And while you may be part of that group, keep in mind, it’s better to plan late than never.

A good benchmark on retirement readiness is the ability to replace at least 75 percent of your pre-retirement income at the age you qualify for full Social Security benefits, which is 66 or 67 for

Brandpoint Media

Fond du Lac County Senior Dining MenuJUNE 1

Swiss Steak, Mashed Potatoes, Health Slaw,Peach Slices, Cinnamon Roll*, Sliced Bread

JUNE 2BBQ Meatballs, Baby Red Potatoes,Peas and Carrots, Egg Custard Pie,Seedless Grapes*, Dinner Roll

JUNE 3Baked Spaghetti, Mixed Italian Salad,Pear Slices, Cookie*, French Bread

JUNE 4Pork Steak, Mashed Potatoes, Red Cabbage,Birthday Cake, Applesauce*, Dinner Roll

JUNE 5Fruited Chicken, Salad on a bed ofShredded Lettuce, Cantaloupe Slice,

Fudge Brownie*, Sliced Bread

JUNE 8Roast Turkey, Mashed Potatoes,

Calif. Blend Veg., Cranberry Gelatin,Frosted Cake*, Sliced Bread

JUNE 9Pepper Steak, Baked Potato, Chinese

Ramen Sal., Vanilla Pudding,Petite Banana*, Dinner Roll

JUNE 10Baked Chicken, Twice Bk Style Pot., Spinach

Salad w/ Rasp. Vinaigrette, PineappleTidbits, Raspberry Sherbet*, Sliced Bread

JUNE 11Salisbury Steak, Mashed Potatoes, Corn,

Butterfinger Torte, Apple Slices*, Dinner Roll

JUNE 12Ham Rolls, Squash, Cole Slaw, Pear

Slices, Butterscotch Pud.*, Sliced Bread

JUNE 15Chicken Marsala, Baby Red

Potatoes, Carrots, Applesauce Cake,Honeydew Melon*, Sliced Bread

JUNE 16Mush. Pork Cutlet, Mashed Potatoes, MixedVegetables, Applesauce, Cookie*, Dinner Roll

JUNE 17Beef Stroganoff, Casserole, Tossed Salad,Ice Cream Cup, Peach Slices*, Sliced Bread

JUNE 18Swedish Meatballs, Mashed Potatoes,

Green Beans, Fruited Gelatin,Cinnamon Roll*, Dinner Roll

JUNE 19Salmon Loaf, Sour Cream and, Chive

Potatoes, Peas/Pearl Onions, Cream SicleTorte, Pinapple Tidbits*, Sliced Bread

JUNE 22Pork Loin, Mashed Potatoes, Calif. Blend Veg.,Peach Slices, Frosted Cake*, Sliced Bread

JUNE 23Chicken Tetrazzini, Casserole, Spinach

Salad with Lemon Vinaigrette, CantaloupeSlice, Vanilla Pudding*, Dinner Roll

JUNE 24Country Fried Steak, Mashed Potatoes,Peas and Carrots, Choc. Cloud Torte,

Plum Halves*, Sliced Bread

JUNE 25Chicken Terriyaki, Baked Potato, Three BeanSalad, Pineapple Tidbits, Cookie*, Dinner Roll

JUNE 26Beef Frank on a Bun, German Pot. Salad,Corn, Fudge Brownie, Seedless Grapes*

JUNE 29Baked Chicken, Twice Bk Style Pot.,Pickled Beet Salad, Pear Slices,Tapioca Pudding*, Sliced Bread

JUNE 30Meatballs in Honey, Mustard Sauce, BabyRed Potatoes, Summer Blend Veg., Choc.Banana Torte, Apple Slices*, Dinner Roll

Meal Sites: FOND DU LAC – RiverviewApartments, 101Western Ave.,Mon-Fri 11:45am;Westnor Apartments, 653WArndt St. noon; Portland Square Apartments,55 N. Portland, 11:45am; Senior Center, 151 E. First St. Mon-Thurs 11:45am; NORTH FOND DU LAC – Northgate, 350 Winnebago St., noon; RIPON – RussellManor, 504 Russell Dr., 11:45am; Willowbrook Apartments, 615 W. Oshkosh St., noon; WAUPUN – Senior Center, 301 E. Main St., noon.Eligibility & Nutrition: All persons or married to someone 60 years or older are eligible for the Fond du Lac County Elderly Nutrition Program. Each mealcontains 1/3 of the current daily Recommended Dietary Allowance (RDA) established by the Food and Nutrition Board of the National Academy of Sciences.Registration: Preregister at least one day in advance by 1pm, by signing up at a meal site or calling Fond du Lac Courthouse, 929-3937; Waupun SeniorCenter, 324-7930. For cancellations call the Department of Senior Service at 929-3937 before 1pm the business day prior to the meal.Donations: There is a suggested donation of $3 for those 60 years of age or older or married to someone 60+. Mobile Meals donation of $3.50.Volunteers: Volunteers are needed for the Senior Dining Program of the Fond du Lac County Dept. of Senior Services. Call 929-3114 for more information. W

I-5001860596

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EXPERIENCE | 3JUNE 2015 | ACTION PUBLICATIONS

While people age 50 or older no longer have time on their side … there are strategies that can help you play catch up.”

— Elaine Sarsynski, MassMutual Retirement Services

If you’re within 10 years of retirement and haven’t done any appreciable planning, you’re not alone.

Nearly half of Americans age 50 and older expect to retire later than they hoped, citing financial concerns, according to a 2013 study by the Associated Press-NORC Center for Public Affairs Research. And while you may be part of that group, keep in mind, it’s better to plan late than never.

A good benchmark on retirement readiness is the ability to replace at least 75 percent of your pre-retirement income at the age you qualify for full Social Security benefits, which is 66 or 67 for

medical history, current cash needs, and future financial obligations, to name a few,” says Farnoosh Torabi, best-selling author and personal finance coach. “But one thing is certain: the longer you delay your application, the bigger your benefit will be.” The maximum benefit from Social Security starts at age 70. You can esti-mate your retirement benefit by using the Social Security Administration’s Retirement Estimator at ssa.gov/estimator.

DON'T FORGET YOUR PENsiONIf you are entitled to a pension, this is an

important source of income that should factor into your retirement planning. Your pension pays you a benefit at retirement based on factors such as your years of service and salary. Your plan administrator will have specific information about your plan.

“When it comes to saving for retirement, don’t let a late start dissuade you,” Sarsynski says. “Becoming more financially disciplined and making the most of your resources can go a long way toward helping you retire on your own terms.”

For more information about planning your retirement, visit RetireSmart.com.

most people. Retirement income can come from a variety of sources, including Social Security, savings and a pension, if you have one.

“While people age 50 or older no longer have time on their side when it comes to retirement savings, there are strategies that can help you play catch up,” says Elaine Sarsynski, executive vice president, MassMutual Retirement Services division. “Pre-retirees have some levers to pull that younger workers may not.”

TakE sTOck OF YOUR assETsMeet with a financial professional who can

evaluate your retirement resources and project how much income you can expect if you retire at a certain age. Many 401(k) plans offer online tools to help you determine where you stand and how likely you are to replace your income based on your current assets and saving habits.

MaTchiNG cONTRibUTiONsSay your employer matches contributions to

your 401(k) plan up to 5 percent of your salary and you only contribute 2 percent, you’re turn-ing down free money. Make sure you save enough to at least get the full match.

Talk to your tax adviser about whether you should contribute to your 401(k) on a before- or

after-tax basis. Pre-tax contributions may make it affordable to save a higher percentage of your pay by deferring some of your tax liability until retirement. After-tax contributions may reduce your tax liability in retirement.

caTch-UP cONTRibUTiONsIf you’re age 50 or older at the end of the

calendar year, you are eligible to contribute up to an additional $6,000 to your retirement plan in 2015. That’s on top of the $18,000 limit for younger employees. Matching contributions from your employer do not count toward your contribution limit.

OPTiMizE sOcial sEcURiTYYou can begin taking Social Security retire-

ment benefits as early as age 62. But should you?“It depends on a lot of things — your health,

EXPERIENCE is published by Gannett Wisconsin Custom Publishing. Contents of the section are for Action Reporter Media. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by means, electronic, mechanical, photocopying, recording or otherwise, without prior consent of Gannett Wisconsin Custom Publishing. For information, contact Karen Befus at 920-426-6701 or [email protected].

EDITOR / KEVIN ANDERSONADvERTIsING DIRECTOR / KAREN BEfuSGRAPHIC ARTIsT / JAMES HOSLET

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June Calendar

DANCE LESSONS – 7 to 9 p.m. Mondays at Fond du Lac Senior Center, 151 E. First St., Thursdays at the Eagles Club, 515 N. Park Ave. Admission charged, no partner or experience needed. Beginner lesson at 7 p.m., intermediate at 3 p.m. For informa-tion, call (920) 979-3434.FARMERS MARKET – 11 a.m. to 3 p.m. Wednesdays and 8 a.m. to noon Saturdays at 30 S. Main St. Get to know your local farmers and vendors. Visit downtownfdl.com. TOUR OF LACLARE FARMS – 11 a.m. and 2 p.m. weekends in June at LaClare Farms, W2994 CT HH, Pipe (Malone). Learn about the cheese making process. View the goat milk-ing facility and the barn. Pet and feed the goats.MEET THE CHEESEMAKER AT LACLARE FARMS – noon to 4 p.m. weekends in June at LaClare Farms, W2994 CT HH, Pipe (Malone). Cheesemakers will be featuring cheese made in-house.4, 11, 18 • THELMA THURSDAY – 5 to 8 p.m. at Thelma Sadoff Center for the Arts, 51 Sheboygan St. Contemporary Wings featuring the works of Scott Zieher and Mike Womack. Free admission. The bar is also open. 5 • LEGO NIGHT – 4 to 7 p.m. at Children’s Museum of Fond du Lac, 75 W. Scott St. Come and build with the museum’s collection of LEGOs. Program is included with general admission.6 • TAYLOR PARK POOL opening day, 380 Emma St. Admission charged, season passes available. 6 • PETTING ZOO – 9 to 11 a.m., at National Exchange Bank and Trust, 130 S. Main St. In celebration of Wisconsin’s dairy industry, the petting zoo will feature a variety of farm animals, pony rides, games, prizes and more. A sampling of

jets and helicopters. Acrobatic planes, big birds and amazing 200 mph remote control jets that look and sound like the real ones. Food and refreshments available.21 • FATHER’S DAY ANTIQUE CAR AND TRUCK SHOW – 8 a.m. to 4 p.m. at Lakeside Park, 555 N. Park Ave. Hundreds of cars and trucks, ’50s and ’60s music, best dads contest, raffl e, trophies and concessions.22 • MUSIC UNDER THE STARS: THE DOWNTOWNERS – 7 to 8:30 p.m. at Buttermilk Creek Park, 700 S. Park Ave. Big band, polka, ’50s and ’60s music. 24 • BUTTERMILK FESTIVAL: DORF KAPELLE – 7:15 p.m. at Buttermilk Creek Park, 700 S. Park Ave. A 15-piece ensemble featuring the music of Germany, Austria, Czechoslovakia and Switzerland, with audience partic-ipation.27-28 • DAIRY DAYS – 10 a.m. to 5 p.m. at Wade House Historic Site, W7965 Highway 23, Greenbush. Admission charged. Make ice cream, butter and cheese in the fashion of the 1860s.

House Red Jackets historic baseball team in a rousing pick-up game. You’ll be amazed by the rules that guided the 1860s teams. Everyone can partici-pate, and of course, enjoy the peanuts, popcorn and Cracker Jacks. 15 • MUSIC UNDER THE STARS: KENNY BRANDT BAND – 7 to 8:30 p.m. at Buttermilk Creek Park, 700 S. Park Ave. Polka variety music. 17 • BUTTERMILK FESTIVAL: SYMPHONIC BAND CONCERT – 7:15 p.m. at Buttermilk Creek Park, 700 S. Park Ave. Light classics, popular music from many eras, vocal selec-tions, featured soloists and marches. 18 • FARM FLAVORS DINNER – 5 p.m. at Meuer Farm & Corn Maze, N2564 Highway 151, Chilton. Admission charged. A showcase of fresh produce from our farm and the surrounding area. Cash bar, three-to-fi ve-course dinner and farm activity.19 • TOUR THE TOWN ART WALK - Fond du Lac – 5 to 8 p.m. at various downtown businesses. For a map of sites and exhibiting artists, visit tourthetownfdl.com.

19 • FAMILY NIGHT – 4 to 7 p.m. at Children’s Museum of Fond du Lac, 75 W. Scott St. Activities include board games, pajama parties, and Little Caesar’s Pizza (available for purchase). Included with general admission. Sponsored by Lakeside Evening Kiwanis. 19-20 • NORTH FONDY FEST – 8 a.m. to 11:30 p.m. at Village Park, 200 Winnebago St., North Fond du Lac. Raffl e, food, games, walk/run, parade, softball, kickball. Kids crafts and games, face painting, giant slip and slide, bounce house, model train display. Music by Oil Can Harry at 8 p.m.19-10 • THE ART OF DAITHI – open-ing reception 5 to 8 p.m. Friday; gallery hours are 1 to 8 p.m. Thursday through Saturday, 1 to 5 p.m. Sundays, at Share Fine Art Galleries, 228 S. Military Road.20 • ROBERT WELLNITZ MEMORIAL AIR SHOW – 9 a.m. to 4 p.m. at Fond du Lac Aeromodelers Association, N4841 Hickory Road. Admission is charged per car. Radio-controlled airplanes,

Horicon MarshHoricon Marsh Education & Visitor Center, N7725 Highway 28, Horicon. Visit horiconmarsh.org for more information.

Tour de MarshJune 6, 8 a.m.-1 p.m. Join bicyclists, hikers, motorcyclists and autos touring the famous Horicon Marsh. Choose from 40, 18 or 8-mile routes. Tour maps and refreshments available at designated spots along the route.

Winged WondersJune 19, 9 a.m.-4 p.m. Learn about native pollinators. From crafts to honey tasting there will be something for everyone.

Archery CampJune 20, 9 a.m.-noon. Free for children in grades 4-8. Pre-registration required.

Martin ManiaJune 23, 6:30-8 p.m. See why purple martins are dependent on man-made structures.

Wisconsin dairy products will be available. Visit nebat.com. 7 • ART ON THE ISLAND – 10 a.m. to 4 p.m. at Lakeside Park’s Oven Island, 555 N. Park Ave. A wide variety of arts and crafts. Food, live music, kids’ crafts, free admission and parking.7 • FOND DE VETTES 44TH TRIP AROUND THE LAKE – 7 a.m. registra-tion, 9 a.m. departure from Forest Mall, 835 W. Johnson St. Free event for Corvettes only. Lunch and refreshments available from the Noon Kiwanis Club at end of ride at Holiday Auto Budget Center at 11 a.m. Live music, 50/50 raffl e and door prizes. Bring a non-perishable food item for the local pantry to be entered into a drawing for tickets to Road America. 11 • MEET PRODUCER DINNER – 6:30 p.m. at LaClare Farms, W2994 CT HH, Pipe (Malone). Admission charged. Chef Jim creates a multi-course meal using locally sourced ingredients, paired with a local brewery or winery. Cash bar, facility tours. 11-13 • WISCONSIN STATE BUTTON SOCIETY STATE SHOW – 6 to 9 p.m. Thursday; 11 a.m. to 5 p.m. Friday, 10 a.m. to 2 p.m. Saturday at Retlaw Plaza Hotel 1 N. Main St. Admission charged, reservations required, call Charlotte at (262) 835-4124 or email Louise at [email protected]. 12-14 • WALLEYE WEEKEND – 3 to 10:30 p.m. Friday; 8 a.m. to 10:30 p.m. Saturday; 8 a.m. to 6 p.m. Sunday at Lakeside Park, 555 N. Park Ave., Fond du Lac. Free family festival with live music on several stages, children’s entertainment and activities, sports tournaments, concessions, Mercury Marine National Walleye Tournament.13, 27 CHEESE PAIRING – 3 p.m. at LaClare Farms, W2994 CT HH, Pipe (Malone). Admission charged. Includes three different types of cheese paired with three different types of wine or beer. Reservations recommended. 14, 28 • HISTORIC BASE BALL – 1:30 p.m. at Wade House Historic Site, W7965 Highway 23, Greenbush. Admission charged. Join the Wade

Compiled by the Fond du Lac Area Convention & Visitors Bureau. For detailed information visit fdl.com or call (920) 923-3010.


jets and helicopters. Acrobatic planes, big birds and amazing 200 mph remote control jets that look and sound like the real ones. Food and refreshments available.21 • Father’s Day antique Car anD truCk show – 8 a.m. to 4 p.m. at Lakeside Park, 555 N. Park Ave. Hundreds of cars and trucks, ’50s and ’60s music, best dads contest, raffle, trophies and concessions. 22 • MusiC unDer the stars: the Downtowners – 7 to 8:30 p.m. at Buttermilk Creek Park, 700 S. Park Ave. Big band, polka, ’50s and ’60s music. 24 • ButterMilk Festival: DorF kapelle – 7:15 p.m. at Buttermilk Creek Park, 700 S. Park Ave. A 15-piece ensemble featuring the music of Germany, Austria, Czechoslovakia and Switzerland, with audience partic-ipation.27-28 • Dairy Days – 10 a.m. to 5 p.m. at Wade House Historic Site, W7965 Highway 23, Greenbush. Admission charged. Make ice cream, butter and cheese in the fashion of the 1860s.

27-28 • no naMe renDezvous – 9 a.m. to 4 p.m., Izaak Walton League Grounds, N6491 CT K. Bordered to the east is the Niagara Escarpment, a location central to the Native American culture. Kids games with archery, BB gun shoots and mock fishing. Tomahawk and knife throws, demonstrations at some individual camps and blacksmithing re-create the history of the pre-1840 fur-trap-ping era. Teddy bear hunt takes place on Saturday. 28 •BreakFast on the FarM – 8 a.m. to noon at the Michels Farm, N11805 Butternut Road, Lomira. Country-style breakfast, $1 ice cream sundaes, farm tours, kiddie pedal tractor pull, antique farm equipment, family activ-ities.28 • eDge the leDge – 7 a.m. at Fondy Sports Park, N5820 CT D. Old and new crazy, fun obstacles. Kids’ event starts at 10:30 a.m. 29 • MusiC unDer the stars: Copper Box trio – 7 to 8:30 p.m. at Buttermilk Creek Park, 700 S. Park Ave. Americana music.

See Word Search answers on page 12

WI-5001899044

OF FOND DU LAC COUNTY50 N PORTLAND ST

FOND DU LAC, WISCONSIN 54935

www.fdlco.wi.gov/ADRC(920) 929-3466

Email: [email protected]

Low-Vision 101-Introductory Class-

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Questions? contact:Linda Berg 929-3429

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Story by Lois A. Pfl um | Cover/centerspread photos by Taima Kern/Action Reporter Media

EXPERIENCE | 7JUNE 2015 | ACTION PUBLICATIONS6 | EXPERIENCE

I wonder how many people living in Fond du Lac know that there are several T.O.P.S. chapters (Take Pounds Off Sensibly), right

here in our city? According to Vivian Gorden,

More InfoTo learn more about the Wisconsin 1159 Fond du Lac T.O.P.S. chapter, contact Vivian at 933-3216

2011. She is passionately driven and puts in a lot of energy to make this chapter special with a lot of fresh ideas, enthusiasm and “get-go.”

She noted though, this chapter wasn't the

fi rst chapter she belonged to.Presently there are 23 women in her chapter

who range in age from 50 years in age, all the way up to the mid 80's. Vivian stated although men are welcome in the group, none are involved at this time. This chapter convenes on a weekly basis at the Fond du Lac Senior Center.

Vivian feels her chapter is a close-knit group, members share camaraderie and success stories, offer encouragement, support and promote good nutrition, and occasionally have a guest speaker at their meetings, who has expertise in a topic pertinent to the group.

Key members are referred to as leaders, rather than president and vice-president. They are: Vivian, leader; Diane Fricken, co-leader; Cathy Mc Arthur, secretary; Theresa Theel, treasurer; Judy Rockow, weight recorder and Donna Draves, assistant weight recorder.

Vivian explained members are weighed privately at every meeting and have the option to share their weight with other members of the group if they so choose.

She emphasized weight loss goals are personal and are set by each member and their personal physician. Goals related to members in this chapter are: Encouraging healthy eating, exercising and leading healthy life-style.

Vivian is also involved in the state T.O.P.S. organization. Members of this group receive a bi-monthly news magazine, full of ideas, feature stories, and even recipes, among other items of interest.

Vivian attended the state meeting which was held May 1 and May 2 at the Radisson Paper Valley Hotel in Appleton with approximately 400 members in attendance, and certain members received recognition for exceptional weight losses.

She added, "The state group convenes annually in different cities located throughout Wisconsin. The international group will be meeting in Reno this July, which will include members attending from all over the United

there are at least fi ve different chapters locally.Vivian, 77, of Fond du Lac, is currently

involved in the Wisconsin 1159 Fond du Lac T.O.P.S. chapter, which she partnered with in

Presently there are 23 women in her chapter who range in age from 50 years in age, all the way up to the mid 80's. Vivian stated although

involved at this time. This chapter convenes on a weekly basis at the Fond du Lac Senior

success stories, offer encouragement, support and promote good nutrition, and occasionally have a guest speaker at their meetings, who has expertise in a topic pertinent to the group.

rather than president and vice-president. They are: Vivian, leader; Diane Fricken, co-leader; Cathy Mc Arthur, secretary; Theresa Theel, treasurer; Judy Rockow, weight recorder and

annually in different cities located throughout

T.O.P.S. chapter expands membership, allows comfortable, friendly weight-loss environment

States and Canada.” Vivian commented she is very appreciative

of the support from her husband, Ray, with her involvement and dedication to T.O.P.S.

Although Vivian was born in Oshkosh, she has lived in Fond du Lac since 1986. She is a familiar, face not only at the Fond du Lac Senior Center where she volunteers in the craft shop and plays in the chimes choir, but also at Hope Lutheran Church where she is a member and plays in the chimes choir and rings the bells.

Although she is not a member of the Church of Our Saviour, she also enjoys ringing the bells there. Vivian keeps busy by volunteering

T.O.P.S. members include, back row, from left: Grinitte Kososki, Deb Berg, Linda Stephany, Kate Pape, Jean Benson, Judy Rockow, Donna Draves and Mary Tighe. Front row, from left: Joanne Zalewski, Marilyn Fields, Cathy Mc Arthur, Mary Kramer, Vivian Gorden, Judy Ho� mann and Jane Stone.

at the Lutheran Home and the Galloway House and is a member of the Fond du Lac senior center Red Hat Honeys (past Queen Bee), and a member of the Red Hat Chorus.

With all these volunteer activities, Vivian manages to fi nd time to do embroidery work, plant fl owers around her home, and do some traveling with Ray. Recently, "Max," a toy poodle, joined the household and has made a very good adjustment in the Gorden home.

Mother to Sue and Steve, she and Ray have a blended family of 11 grandchildren and fi ve great-grandchildren.


Isabell M. Mueller, attorney

The last will and testament and the re-vocable trust are the most common documents used within an estate plan

to direct how an individual’s assets should be distributed in the event of death. However, for most individuals, a large portion of their assets does not actually pass according to that will or trust, but is instead controlled by benefi ciary designations. IRA, 401(k), 403(b), annuities and life insurance are the most common examples of assets with benefi ciary designations.

Upon the owner’s death, the benefi ciary listed on those designations will receive those funds regardless of what any will or trust may state. It is, therefore, crucial to address all benefi ciary designations and coordinate them with the overall estate plan. Improper, incomplete or outdated benefi ciary designa-tions may cause unnecessary taxes to be paid or may cause the funds to be distributed in the wrong manner or even to the wrong recipients entirely.

For example, it is common for parents of

minor children to direct in their estate plan that the assets are to be distributed to a trust for the benefi t of their children if both parents die. This purpose of this minors’ trust is to ensure the funds are available to be used for the children, but to also keep them under the management of a trustee chosen by the parents until the children are older.

However, if the benefi ciary designations on the parents’ life insurance policies list simply “children” or list the children by individual name, those funds will not be distributed to the children’s trust. Instead, the funds would be distributed to the children outright. If a child is still a minor the funds would be held by a guardian until the child reaches the age of majority, at which time they would be turned over to the child without any restrictions. In this instance, the benefi ciary designations on the life insurance policies should have directed the proceeds to pay out to the trust for the chil-dren.

Benefi ciary designations are an integral part of almost every estate plan, but if completed incorrectly, they may entirely derail that plan.

FUNERAL & ESTATE PLANNING

❚ LIFE❚ LOVE❚ LOSS❚ LEGACY

Benefi ciary designations

A properly completed estate plan will ensure not only that a will or a trust is in place, but

also that all benefi ciary designations are

coordinated with the documents and the

overall goals of the estate plan as well.

WI-5001861036

Law Officesof

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Alert! Divesting assets may make you ineligible for MedicaidGWAAR legal services team

As people get older, many consider transfer-ring assets to their family or to charity. Some were fortunate to have inherited

homes or other family assets, so it is logical that they would like to similarly transfer their wealth to younger members of their own families. While their intentions are honest and noble, individuals need to be aware of the risk of “divestment” in the event they need long-term care and do not have sufficient assets to pay for it.

Divestment is a general term applied when an individual transfers assets — money, possessions, or property — for less than fair market value or when someone refuses to accept an asset to which he or she is entitled. When an individual transfers an asset without getting back something equal in return, or gives up an interest in an asset, he or she now has fewer assets with which to pay for long-term care should the need arise. Because long-term care is so expensive, Wisconsin law includes provisions that prevent individuals from divesting assets and then requesting that the state pay for their long-term care.

To dissuade people from divesting, Wisconsin

law imposes a penalty period based on the amount of divestment. An individual is ineligible to re-ceive long-term care Medicaid or community waivers (programs that provide long-term care services in home and community settings rather than in a skilled nursing facility) during the pen-alty period. The more wealth that has been di-vested, the longer the penalty period. The penalty period will only apply if an individual divested assets during the “look-back period.” This period is the 60 months immediately prior to an indi-vidual needing long-term care and applying for nursing home Medicaid or being approved for a community waiver program.

Transfers made more than 60 months in the past do not result in a penalty period. Importantly, the penalty period does not apply to Medicaid card services or Medicare Savings Programs. It

applies only to nursing home Medicaid and home and community-based waivers.

It is highly recommended that an individual consult with an elder benefit specialist or an elder law attorney if he or she receives a notice of di-vestment. In some cases, the divestment penalty period can be waived if the penalty period would deprive the institutionalized person of medical care that would endanger his or her life, or de-prive the individual of food, clothing, shelter, or other necessities of life. There are some excep-tions to the normal divestment rules, so it is im-portant to quickly investigate a notice of divest-ment to determine whether an exception applies and whether to request an undue hardship waiver. Divestment can prevent an individual from ob-taining the long-term care he or she needs, which can be debilitating to an individual and his or her family. For that reason, it is very important to understand the consequences of transferring assets if long-term care may be necessary in the following five years. While someone may have great intentions, transferring assets without re-ceiving fair market value in return can unexpect-edly create significant problems when unforeseen health issues or a need for long-term care arises.

ORGAN DONATION AWARENESS

Divestment can prevent an individual from obtaining the long-term care he or she needs, which can be debilitating to

an individual and his or her family.

WI-5001868879

2015 Transportation ServicesFond du Lac County Department of Senior Services

Service Type Priorities CostElderly

Walk-on vans Medical, Employment, Nutrition $2.50 each way60+ years of age Personal Business, $2.50 each way

Education/Training, $2.50 each waySocial/Recreation $2.50 each way

EscortFrail; physician certified Medical, Therapy, Dental Within FdL County $2.50 each way

Outside FdL County $6.00 each way

Handi-VanWheelchair use or No prioritiesmobility impaired 6:00 a.m. - 5:30 p.m. (Mon-Fri) Fee $3.00 each wayNo age restrictions

Senior Service Transportation Service Phone Numbers

ELDERLY VAN: 60+ years of age ......................................................... 929-3936HANDI-VAN: Wheelchair or mobility impaired, no age restriction....... 929-3110ESCORT: Frail, no age restriction ......................................................... 929-3936

Senior Dining & Mobile Meals (60+ years of age) 929-3937

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In mid-April we led a tour to Italy, a favorite place to visit. We fell in love with the beauty and the breathtaking views of the Mediterranean Sea —

especially the Island of Capri.Prior to traveling to Italy I watched the movie “It Started

in Naples” with Sophia Loren and Clark Gable. They are shown going into the Blue Grotto in a row boat and diving in and kissing. Very romantic!

We left on the ferry from the Bay of Naples in the rain. I knew we could not go into the Blue Grotto if the water was rough because the opening of the grotto is very small.

But as we arrived in Capri the rain stopped, we quickly transferred to a motor boat and when the boat rounded the side of a mountainous cliff, we saw at least a dozen small row boats with men standing up shouting at us to hire them.

Within minutes we were transferred into smaller row boats and instructed to lay as fl at as we could so as not to hit our heads on the rock as we entered the grotto. Our rower waited his turn at the opening of the cave, grabbed a rope and pulled us through into the grotto. It was stunning! A huge cavern with blue shimmering water and rowers singing Italian love songs at the top of their lungs. The blue light from the grotto comes from two sources. One from the small hole in the cave wall and a second hole

beneath the surface. What a magical, delightful experience! We highly

recommend the Blue Grotto on the Island of Capri.

Valerie Graczyk, travel writer

To see more photos of our excursion, go to somedaytravel.com and click on Italy, 2015. SUBMITTED PHOTO

Small tour boats inside the Blue Grotto sea cave, island of Capri, Italy.GETTY IMAGES

GrottaAzzurra

Decagenarian celebrationHelen Holzmann of Grancare recently celebrated her 100th birthday with her children, from left, Roger, Mary Mand, Rosie Baus, Jim (not pictured daughter Ann). SUBMITTED PHOTO


Decagenarian celebrationHelen Holzmann of Grancare recently celebrated her 100th birthday with her children, from left, Roger, Mary Mand, Rosie Baus, Jim (not pictured daughter Ann). SUBMITTED PHOTO

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WI-5001900829

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Answers from page 3WI-5001903686

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experience - june 2015

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