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Information for Older Adults

Pathways2013

A Message from the Director of theBluegrass Area Agency on Aging and

Independent Living

The Bluegrass Area Agency on Aging &Independent Living (BGAAA&IL) is pleased to provide you with this new edition of thePathways Guide for Older Adults in theBluegrass Area. BGAAA&IL is proud toparticipate in the production of this valuableguide that is distributed throughout Anderson,Bourbon, Boyle, Clark, Estill, Fayette, Franklin,Garrard, Harrison, Jessamine, Lincoln,Madison, Mercer, Nicholas, Powell, Scott andWoodford Counties. It is a comprehensiveresource containing reliable information on thewealth of services and resources available toassist older adults, adults with disabilities, theirfamilies and caregivers. It provides theinformation needed to give you “front door”access to find the necessary services andsupports to meet an individual’s long-term care needs.

The BGAAA&IL is grateful to our communityadvertising partners who, through their supportof the Pathways Guide, made it possible for usto produce this valuable resource at no cost toconsumers. We hope you and your family findthe information in this Resource Guide usefulin meeting your needs. Many in the pastdecade have found it to be a valuable aid forcaregiving and for long-term care planning.

Sincerely,

Celeste CollinsDirector

2013 Edition Pathways - Information for Older Adults 1

Doctor’s Name/Phone __________________________Clergy Name/Phone ___________________________Hospital Choice _______________________________Full Name of Patient ___________________________Phone ______________________________________Address____________________Zip Code__________Date of Birth_______ Social Security No. ___________Medicare #___________Medicaid # _______________Veteran/Military I.D. ____________________________Health Insurance Carrier/PolicyNo.______________Phone______________________Add’l Insurance Carrier_____________________Policy No.______________Phone____________

Name/Relationship____________ Phone___________Name/Relationship_____________Phone __________Accountant/Phone _____________________________Insurance Agent/Phone_________________________Lawyer/Phone ________________________________

Pharmacy_________________ Phone_____________Medication Prescription No. Dosage Prescribed By________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________Allergies_____________________________________Health History/Health Problems

WHO TO CALL

MEDICATIONS, DOSAGE, AND FREQUENCY(INCLUDE OVER-THE-COUNTER IF USED REGULARLY)

b Caregiver Emergency Help Guide

Complete this form for easyreference if you need help. Post in a place obvious to friends,family and emergency personnel.

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2 Pathways - Information for Older Adults 2013 Edition

26 Do’s and Don’ts of 911 27 Living Will Directive form

CrISIS, MenTAL heALTh &CAregIVer SuPPorTSerVICeS

29 Protection Against Scam Artists:helpful numbers

29 Caregiver’s Bill of rights30 Social Services and

emergency Assistance30 Crisis Intervention30 Emergency Shelter30 Emergency Food and Clothing31 Indigent Health Care31 Utilities Assistance

32 Companionship32 Pet Companionship32 Birthday/Anniversary Greetings 32 Bereavement/Widow Support

33 family Support Services/Mental health Counseling34 Geriatric Care Managers

34 geriatric Assessment35 Adult Day Services and

respite Care35 Adult Day Services/Respite

36 Alzheimer’s Disease36 Caregiver Support

and resources36 Caregiver Resources37 Grandparents/Relatives

Raising Grandchildren

38 Dementia Checklist

SoCIAL SeCurITy, MeDICAre,MeDICAID & MeDICALInSurAnCe

39 Prescription Drug Coverage40 Social Security and health

Care Insurance40 Social Security40 Social Security/Medicare and

Medicaid Resources41 Income Limitations on SS Benefits41 Supplemental (SSI) Income

42 Medicare

42 Patient’s Rights Under Medicare42 Medicare for Low Income

Beneficiaries43 Benefits Through an HMO43 Medicaid Waivers43 Medical Claims Assistance43 Medicaid Spend Down

43 Medigap Insurance44 Medigap Insurance Considerations

44 Long Term Care Insurance44 Company/Policy Checklists

45 Quick Summary of 2013Medicare Benefits 46 Terms

76 helpful Toll-free numbers

MeDICAL & heALTh CAreSerVICeS

47 home health Agency Comparison48 hospital health Care Systems

48 Fayette County48 Other Counties49 Medical Health Care49 Physician Services49 Health Clinics49 Alternative Therapies50 Medication Assistance

50 Medication Checklist51 home health Care

51 Range of Services51 Terms52 Questions to Ask53 Home Health Agencies54 Care at Home Services55 Other Home Services

56 hospice Care56 Questions to Ask56 Providers

57 Disability & rehabilitation Services58 Visual Disabilities58 Speech & Hearing Disabilities59 Additional Accessibility Resources

60 Medical equipment & Adaptive Devices60 Monitoring Systems

61 health-related Agencies &Services61 AIDS/HIV61 Alcohol61 Alzheimer’s Disease61 Arthritis/Lupus61 Cancer 61 Chemical Addiction61 Dental Services62 Diabetes62 Epilepsy

62 Heart62 Incontinence

b Contents

generAL InforMATIon &referrAL, CoMMunITyouTreACh

5 Tips for Caregiving6 Primary Information and referral

6 Resource Numbers by County8 Additional Referral Resources

8 “Aging” Websites10 Senior Activity Centers/Meals

10 Meals Program10 Fayette County Centers11 Senior Centers by County

11 Transportation12 Handicapped Parking 12 Routine Ambulance Transport

ConSuMer heLP &InforMATIon

13 Living Trusts vs. Wills14 Discount Programs

14 General14 Fishing and Hunting Licenses14 Parks Admissions14 Homestead Exemption

14 Safety and Security15 finances and estate Planning

15 Credit Counseling & Financial Help

15 Estate Planning16 Taxes17 Veteran Services

17 Advocacy, Legal & Self empowerment17 Advocacy18 Government Information18 Legal Resources19 Legal Records20 Elected Representatives20 Voting

20 employment21 reverse Mortgage Loans

21 Pros and Cons of Reverse Mortgages

21 Reverse Mortgage Counselors

22 education and Leisure22 Education24 Recreation/Special Events24 Travel and Tourism

24 Volunteer opportunities25 funeral Preplanning

25 Preplanning Resources25 Points to Consider

26 Legal health Care/Advance Directives

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b Look for thesehandy forms andguides throughoutthe book.

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62 My own Case Management/Contingency Plan63 Kidney63 Leukemia63 Lung63 Neuromuscular Diseases63 Parkinson’s Disease63 Stroke

64 home Safety Checklist

houSIng & SkILLeD heALThCArefACILITIeS

65 “Is nursing home Placementthe Correct Decision?” Chart

66 housing options66 Information & Assistance66 Moving/Organization Assistance66 Questions to Ask67 Senior Housing Terms

68 “Is Staying at home the Bestfinancial Alternative?” Chart69 Family Care Homes

69 Independent Living Communities

70 Types of housing with Care Services

72 home repair & Maintenance72 Errand and Other Services

72 rent-subsidized housing for Independent Living

73 Assisted Living Communities74 Independent/Assisted Living

Comparison Checklist75 Senior housing with Continuum

of Care options/Services75 Skilled nursing

facilities/nursing homes75 Grievance Resources75 Financial and Legal Pre-planning76 Questions to Ask76 Types of Long Term

Care Facilities77 Medicare Coverage77 Medicaid Coverage

77 Skilled nursing facilities/Personal Care homes

79 Index

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Insuranceo Medicare cardo Secondary healtho Lifeo Special careo Long Term Careo Catastrophic Illnesso Autoo Homeo Other

Legalo Auto titleo Deedso Living willo Living trusto Power of attorneyo Power of attorney for healtho Trust paperso Will

Life eventso Birth certificateo Burial ploto Funeral arrangementso Immigration/naturalization

paperso Marriage/divorce paperso Military paperso Social Security card

financialo Bank noteso Bank savings accountso Bondso Broker name/phoneo Certificates of deposito Checking accounto Credit card listo IRAso Mortgage paperso Mutual fundso Safety deposit key/combinationo Stock certificates

b Important Documents ChecklistUse this checklist to keep track ofyour key papers. Gather themtogether (or make note of theirlocation) and place in a safetydeposit box, or give to a trustedfamily member who can retrievethem in an emergency.

Counties served by TheBluegrass Area Agency onAging & Independent Living

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b About This guideThis directory is the most comprehensive listing and explanation of providers andservices who cater to the needs of mature adults. It is designed to work for YOU!It takes up little shelf space, yet ties together in an “at your fingertips” format allthe services, programs and products most needed by older adults. Informationcontained herein has been supplied by the organizations and facilities. While theinformation has been thoroughly cross-referenced and phone verified as of June,2012, Senior Impact Publications, L.L.C. and the Bluegrass Area Agency on Agingand Independent Living assume no responsibility for omissions or errors. Wewelcome all updates and corrections.

The Pathways Resource GuideJune, 2013

———————————————

The Guide is available while supplieslast at the following locations:• Bluegrass Area Agency on Aging

and Independent Living • Local Citizens’ Centers• At select advertisers offices.

Advertisers are listed in bold in the index and at the beginning of each tabbed section.

© Senior Impact Publications, L.L.C.June, 2013All rights reserved.

SENIOR IMPACT PUBLICATIONS, LLC5980 Kugler Mill Rd., Suite 100,

Cincinnati, Ohio 452361-800-921-9443 phone(513) 791-8847 fax

E-mail: [email protected]

www.olderadults.net

Publisher: Rob JutzeInformation Verification: Amy Malloy,

Bluegrass Area Agency on Aging &

Independent Living

Contributors and Advisors: A special thanks to Jeff Roback, Mary

Crowley-Schmidt and David Bassoni with

the Bluegrass Area Agency on Aging &

Independent Living for their assistance

in putting this edition of Pathways

together!

This easy-to-use handbook of services for senior citizens is most helpful for:• Medicare HMO member

benefit• Medicare Consumers• Family Caregivers• Physicians• Medical Service Providers• Eldercare Attorneys• Financial Planners• Human Resource Directors• Home Health Care Nurses

and Aides

• Nursing Home Personnel• Ministers and Clergy• Hospital Discharge Planners• Caseworkers• Medical Equipment Suppliers• Managers of Retirement

Housing• Retailers Offering Products

or Services Used Primarily by Senior Citizens

• Therapists

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All real estate advertised herein is subject to the Federal Fair Housing Act whichmakes it illegal to advertise “any preference, limitation or discrimination becauseof race, color, religion, sex, handicap, familial status or national origin or

intention to make such preference, limitation or discrimination.” We will not knowinglyaccept any advertising for real estate which is in violation of the law. All persons are herebyinformed that all dwellings advertised are available on an equal opportunity basis.

If you would like to be part of the Central Kentuckyedition of Pathwayscall us...

1-800-921-9443or reach us by e-mail...

[email protected]

Other Cities Available!

o Northern Kentucky

o Greater Cincinnati

o Greater Cleveland

o Columbus

o Toledo

o Rocky Mount, NC

o St. Louis

o Chattanooga

o Youngstown

o Lima, Oh.

o East Central Ohio

o Indianapolis, IN

general information& referral,community OutreachAn Area Agency on Aging and Independent Living(AAA&IL) is a public or non-profit agencydesignated by the state to address the needs andconcerns of all older adults at the local level. A“AAA” is a generic term. AAA’s were established under the Older AmericansAct (OAA) in 1973 to respond to the needs ofAmericans aged 60 and over in every localcommunity. The services available through AAA’sfall into five broad categories:• Information and access services,• Community-based services,• In-home services,• Housing, and• Elder rights.Within each category a range of programs is available.

—National Directory for Eldercare Information and Referral, National Association of Area Agencies on Aging

Handy forms and guides in this section:Tips for Caregiving . . . . . . . . . . . . . . . . .5“Aging” Websites . . . . . . . . . . . . . . . . . . .8

Advertisers who offer services that pertain to this section:

Bluegrass Area Agency on Aging & Independent Living . . . . . . . . .Back Cover

2013 Edition pathways - Information for Older Adults 5

n3 Schedule a visit if you have not done so recently.n3 Assess your loved one’s situation. In what areas

does he or she need help?• Is the refrigerator stocked with healthy, appropriate

foods?• Are there piles of bills or unopened mail?• Do friends and neighbors regularly visit your loved

one?• Is the house clean and well-kept?• Is your loved one maintaining a personal care

routine?n3 Put financial and legal documents in order:• Bank statements and tax returns• Social Security, Medicare, and other insurance cards• Advance directives, including living will & health

care power of attorney • Funeral arrangements• Birth certificates• Durable power of attorney• Legal planning documents• Insurance policies

n3 Ask a friend or relative to check in on your lovedone regularly.

n3 Save a few vacation or personal days and somemoney in case of a family emergency.

n3 Utilize local services and resources:• Home health agencies• Senior Centers• Adult Day Service Program• Homebound meal delivery• Senior transportation services• Friendly Visitor programs• Geriatric Care Managers: After determining your

loved one’s needs, a care manager will locate andmanage community resources. Contact the NationalAssociation of Professional Geriatric Care Managers:www.caremanager.org or (520) 881-8008.

• National Family Caregiver Support Program: Thisprogram is designed to support caregivers andenhance quality of life through support groups,respite services, financial assistance, and otherresources. Contact your local Area Agency onAging or use the ElderCare Locator:www.eldercare.gov or (800) 677-1116.

n3 Develop a regular system of communication withyour loved one.

n3 Take care of yourself. Recognize your limitationsand be sure your needs are being met.

n3 Discuss needs with other family members and askfor help.

n3 Attend a support group or educational program inyour area.Information adapted from the following resources:

www.caregiver.org • www.alz.org • www.ec-online.net • UK ElderCare

b tips for caregiving

It is important to note that the body disposes of drugsdifferently as it ages, causing a person to becomemore sensitive. Make sure you know:• The name of all your drugs (generic and trade). Ask

your pharmacist or doctor all about what you are taking.• How many times a day and when to take the

medication. Should you take it with or without food?• What to do if you miss a dose.• How long you need to take it and if it

needs to be refilled.• Any and all possible side effects and if

the drugs interact with any foods,activities or other drugs.

• Any special storage instructions.Use your prescription medications wisely and makesure you consult with your doctor or pharmacist.

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Bluegrass area agency on aging & independentLiving 1-866-665-7921699 PERIMETER DR., LEXINGTON 40517www.bgaaail.org

The Area Agency on Aging is a central point forInformation about Senior Centers, Adult Day Care,Family Caregiver Support Program, and Homecareservices in the 17 counties that comprise theBluegrass Area Development District. BluegrassAAA&IL also operates programs serving grandparentcaregivers and persons eligible for the ConsumerDirected Option (CDO). CDO is a Medicaid waiverprogram that allows individuals to choose who willprovide services as well as how, when and whereservices will be provided. The Bluegrass AAA&IL canprovide information about senior services throughoutthe state or in other states.

anderson countyBLUEGRASS COMMUNITY ACTIONPARTNERSHIP (502) 695-4290 or (800) 456-6571COMPREHENSIVE CARE (502) 839-7203HEALTH DEPARTMENT (502) 839-4551LIBRARY (502) 839-6420SENIOR CENTER (502) 839-7520

Bourbon countyCOMMUNITY ACTION COUNCIL (859) 233-4600COMPREHENSIVE CARE (859) 987-6127HEALTH DEPARTMENT (859) 987-1915LIBRARY (859) 987-4419SENIOR CENTER (859) 987-7453

Boyle countyBLUEGRASS COMMUNITY ACTIONPARTNERSHIP (502) 695-4290 or (800) 456-6571COMPREHENSIVE CARE (859) 236-2726HEALTH DEPARTMENT (859) 236-2053LIBRARY (859) 236-8466SENIOR CENTER (859) 236-2070

clark countyFOOTHILLS COMMUNITY ACTION PARTNERSHIP (859) 624-2046COMPREHENSIVE CARE (859) 744-2562HEALTH DEPARTMENT (859) 744-4482LIBRARY (859) 744-5661SENIOR CENTER (859) 744-3235

estill countyFOOTHILLS COMMUNITY ACTION PARTNERSHIP (859) 624-2046COMPREHENSIVE CARE (606) 723-5128HEALTH DEPARTMENT (606) 723-5181LIBRARY (606) 723-3030SENIOR CENTER (606) 723-4787

n FaYette cOUNtY criSiS/eMergeNcYNUMBerS

adult abuse/Domestic violence (859) 245-5258 or (800) 752-6200ambulance/ rescue 911child abuse (859) 245-5258 or (800) 752-6200crisis intervention/Mental Health (800) 928-8000Disaster assistance/

emergency Management (LFUcg) (859) 258-3784Fire Department 911Humane Society (859) 255-9033poison center 1-800-222-1222police-emergencies Only 911rape crisis (859) 253-2511Sheriff’s Office (859) 252-1771Spouse abuse (Bluegrass

Domestic violence program) (859) 255-9808time (859) 259-2333Weather (859) 281-8131

n FaYette cOUNtY HeLp NUMBerSaiDS Hotline (at the cDc) (800) 232-4636alcoholics

anonymous (859) 225-1212 or (800) 467-8019alzheimer’s

association (859) 266-5283 or (800) 272-3900aarp (866) 295-7275 or (888) 687-2277american red cross(859) 253-1331 or (877) 450-5018Better Business

Bureau (859) 259-1008 or (800) 866-6668Bluegrass Domestic

violence program (859) 255-9808 or (800) 544-2022cancer information Service (800) 422-6237citizens’ advocate (859) 258-3230community action council

Main St. (859) 233-4600georgetown St. (859) 244-2215Winburn Dr. (859) 294-5249cambridge Dr. (859) 246-1192Buckhorn Dr. (859) 273-6395

consumer protection Hotline (888) 432-9257cooperative extension

Service (Fayette co.) (859) 257-5582cpr training/american red cross (859) 253-1331crime Stoppers (859) 253-2020Diabetes Hotline (800) 342-2383Substance abuse Hotline (855) 774-2383gamblers anonymous (859) 277-8236Fayette county Health Department (859) 252-2371Hope center (859) 252-7881Human rights commission (859) 252-4931KY Organ Donor

affiliates (859) 278-3492 or (800) 525-3456League of Women voters (859) 494-3203Legal aid of the Bluegrass 1-800-928-4556Legal Helpline for Older Kentuckians (800) 200-3633

reSOUrce NUMBerS BY cOUNtY

primary information and referral

Lex call 311 or (859) 425-2255 Lexington Fair Housing (859) 971-8067Meals on Wheels of Lexington, inc. (859) 276-5391Mediation center of KY (859) 246-2664National alliance for the Mentally ill

Lexington (859) 272-7891 or (800) 928-8000Kentucky (502) 245-5284 or (800) 257-5081

Nursing Home Ombudsman agency (17 county area) (859) 277-9215; (859) 278-6072;

(877) 787-0077Operation read (859) 254-9964Overeaters anonymous (859) 271-4655parents and Friends of

Lesbians and gays (606) 272-7075physicians’ referral Service (800) 633-8100Salvation army (859) 252-7706United Way of the Bluegrass 211 information

and referral center (859) 313-5465 or 2-1-1Utility complaint Hotline (public Service

commission) (800) 772-4636volunteers of america (859) 254-3469

Franklin countyBLUEGRASS COMMUNITY ACTIONPARTNERSHIP (502) 695-4290 or (800) 456-6571 COMPREHENSIVE CARE (502) 223-2182HEALTH DEPARTMENT (502) 564-4269LIBRARY (502) 352-2665SENIOR CENTER (502) 223-5794

garrard countyBLUEGRASS COMMUNITY ACTIONPARTNERSHIP (502) 695-4290 or (800) 456-6571COMPREHENSIVE CARE (859) 792-2181HEALTH DEPARTMENT (859) 792-2153LIBRARY (859) 792-3424SENIOR CENTER (859) 792-3147

Harrison countyCOMMUNITY ACTION COUNCIL (859) 233-4600COMPREHENSIVE CARE (859) 234-6940HEALTH DEPARTMENT (859) 234-2842LIBRARY (859) 234-4881SENIOR CENTER (859) 234-5801

Jessamine county BLUEGRASS COMMUNITY ACTIONPARTNERSHIP (502) 695-4290 or (800) 456-6571COMPREHENSIVE CARE (859) 885-6315HEALTH DEPARTMENT (859) 885-4149LIBRARY (859) 885-3523SENIOR CENTER (859) 885-9102

Lincoln county BLUEGRASS COMMUNITY ACTIONPARTNERSHIP (502) 695-4290 or (800) 456-6571COMPREHENSIVE CARE (606) 365-2197HEALTH DEPARTMENT (606) 365-3106LIBRARY (606) 365-7513SENIOR CENTER (606) 365-9016

Madison countyFOOTHILLS COMMUNITY ACTION PARTNERSHIP (859) 624-2046COMPREHENSIVE CARE (859) 623-9367HEALTH DEPARTMENT (859) 626-4241LIBRARY - BEREA (859) 986-7112LIBRARY - RICHMOND (859) 623-6704SENIOR CENTER - BEREA (859) 986-8350SENIOR CENTER - RICHMOND (859) 623-0474

Mercer countyBLUEGRASS COMMUNITY ACTIONPARTNERSHIP (502) 695-4290 or (800) 456-6571COMPREHENSIVE CARE (859) 734-5486HEALTH DEPARTMENT (859) 734-4522LIBRARY (859) 734-3680SENIOR CENTER (859) 734-5185

powell county FOOTHILLS COMMUNITY ACTION PARTNERSHIP (859) 624-2046 COMPREHENSIVE CARE (606) 663-2274HEALTH DEPARTMENT (606) 663-4360LIBRARY (606) 663-4511SENIOR CENTER (606) 663-5981

Nicholas county COMMUNITY ACTION COUNCIL (859) 233-4600HEALTH DEPARTMENT (859) 289-2188LIBRARY (859) 289-5595SENIOR CENTER (859) 289-3729

Scott county BLUEGRASS COMMUNITY ACTIONPARTNERSHIP (502) 695-4290 or (800) 456-6571COMPREHENSIVE CARE (502) 863-4734HEALTH DEPARTMENT (502) 863-3971LIBRARY (502) 863-3566SENIOR CENTER (502) 863-4041

Woodford countyBLUEGRASS COMMUNITY ACTIONPARTNERSHIP (502) 695-4290 or (800) 456-6571COMPREHENSIVE CARE (859) 873-7316HEALTH DEPARTMENT (859) 873-4541LIBRARY (859) 873-5191SENIOR CENTER (859) 873-8384

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These agencies provide information about local servicesand resources available to seniors. All either provide orrefer for advocacy and counseling, information andreferral, health screenings and wellness programs,meals, outreach, social activities and transportation.

aarp 1-888-OUr-aarp TTY 1-877-434-7598 www.aarp.org

Holds regularly scheduled meetings and provides health,advocacy, social, recreation, volunteer and employmentopportunities. Insurance, income tax assistance,defensive driving programs, housing option information,prescription drug and consumer discounts, andgovernmental advocacy are also provided. Also hascommunity service and health education programs.

alzheimer’s association (859) 266-5283HELPLINE: 1-800-272-3900GREATER KENTUCKY & SOUTHERN INDIANA CHAPTER, LEXINGTONREGIONAL OFFICE, 465 E. HIGH ST., STE. 200, LEXINGTON 40507www.alz.org/kyin

24- hour Helpline, support groups, Medic Alert + SafeReturn® program, educational materials and programs.For persons with Alzheimer’s or related disorders andtheir caregivers.

the Department of aging and independent Living (502) 564-6930CABINET FOR HEALTH AND FAMILY SERVICES275 E. MAIN ST., FLOOR 3 EE, FRANKFORT 40621http://chfs.ky.gov/dail/

Office designated as the State Unit on Aging chargedwith administering the Older Americans Act programsthrough the Area Agencies on Aging in Kentucky.Administers the Homecare, Personal Care Attendant,Adult Day Care, and Alzheimer’s Respite Programsthroughout the state, and the Kentucky FamilyCaregiver Program. Call for information on programsin other states also provided.

eldercare Locator 1-800-677-1116http://www.eldercare.gov

Dial this number for the names and phone numbers ofthe Area Agency on Aging within a desirable locationanywhere in the United States. This service is availableMonday through Friday, 9:00 A.M. to 8:00 P.M. Beprepared with the county, city, or zip code and a briefdescription of the problem.

Handicap parking permit (859) 253-3344FAYETTE COUNTY CLERK162 EAST MAIN ST., LEXINGTON 40507www.fayettecountyclerk.com/web (forms are also available on this web page)

These permits and/or license plates are available foranyone who has lost the use of a leg or arm, is blind,or has a severe respiratory ailment. A physician mustsign the application form. The permit must bedisplayed in your car or in the car in which you areriding. You may then park in a regular parking spacefor an extra two hours or in a handicapped parkingspace. All handicap placards are free although it is$21.00 for a license plate.

Jewish Family Services (JFS) (859) 269-82441050 CHINOE RD., STE. 112, LEXINGTON 40502www.jewishlexington.org

Services primarily focused on the Central KentuckyJewish community. Services include assessments,crisis intervention, case management, supportivecounseling, advocacy, referrals to communityresources and family life education.

Kentucky assoc. of Senior Serviceswww.kyseniorhelp.com

Not-for-profit organization made up of senior-relatedprofessionals providing various services to those age50+.

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www.bgaaail.orgBluegrass Area Agency onAging & Independent Livingwww.aarp.orgAARPwww.leadingage.orgLeading Agewww.alz.orgThe Alzheimer’s Associationwww.asaging.orgAmerican Society on Agingwww.aoa.govU.S. Administration on Agingwww.dhhs.govU.S. Department of Healthand Human Serviceswww.ncoa.orgNational Council on Agingwww.nsclc.orgNational Senior Citizens Law Centerwww.roadscholar.orgElderhostels www.senior.comSeniorCom

www.Seniorimpact.netFor online version ofPathways and otherinformation for seniorswww.seniornet.orgSeniorNet www.spry.orgSetting Priorities forRetirement Yearswww.ssa.govSocial Security Admin.www.thirdage.comThird Age Media www.elderweb.comDeals with issues of importance to older adultswww.ombuddy.orgNursing Home Ombudsman

b “agiNg” WeBSiteS

Legal Helpline for Older Kentuckians/access to Justice Foundation 1-800-200-3633LEXINGTON, KY 40508http://www.ajfky.org

Free legal advice and assistance for senior citizens (age60 and over). Older Kentuckians and their caregiverscan speak to an attorney about legal issues and canreceive information and referral on non-legal matters.

Lexington Senior center (859) 278-60721530 NICHOLASVILLE RD., LEXINGTON 40503

Information clearinghouse for older persons and theirfamilies. Help with health care, housing, financialassistance, advanced care planning, recreationalactivities, etc. Recreational, social, and educationalactivities at minimal to no cost.

Office of aging Services and Disability Support (859) 258-3806LEXINGTON-FAYETTE URBAN-COUNTY GOVERNMENT200 E. MAIN ST., LEXINGTON 40507 www.lexingtonky.gov

Identifies, assesses, and coordinates service needs ofelders and individuals with disabilities, including anybarriers to their ability to successfully age in place.Also participates in community activities in advocatingfor rights and policies and funding that can enhancethe lives of seniors and individuals with disabilities inthe Lexington-Fayette County area.

If you see the need for a new service or have ideas onimproving existing services, contact the Office ofAging and Independent Living.

Office of consumer protection (502) 696-5389 or 1-888-432-9257OFFICE OF THE ATTORNEY GENERAL, 700 CAPITAL AVE., STE. 118, FRANKFORT 40601http://ag.ky.gov/cp

Provides consumer education programs, enforces theConsumer Protection Act and other consumer laws,and reviews consumer complaints. Complaints shouldbe submitted in writing.

United Way 2-1-1 information and referral call center (859) 313-LiNK (5465) or Dial 2-1-12480 FORTUNE DR., STE. 250, LEXINGTON 40509www.uwbg.org

United Way 2-1-1 is an easy to remember three-digitphone number that connects callers with importantservices like food, shelter and counseling. Dial 2-1-1and you’ll be connected to trained specialists who canhelp with food, shelter, employment and other basicneeds; support for children, families and seniors;healthcare access; volunteer opportunities; free taxpreparation; or when you just don’t know who to call.It’s free and confidential, and available 24 hours a day.For help, call United Way 2-1-1. (This is a phoneservice; no walk-ins please.)

University of Kentucky Sanders-Brown center on aging (859) 323-6040800 S. LIMESTONE ST., 101 SANDERS-BROWN BLDG., LEXINGTON 40536

Provides research, education, and service programs inaging with a strong focus on Alzheimer’s Diseaseresearch. Educational programs offered to professionals,students, older adults, and their caregivers.

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Senior activity centers offer a wide range ofservices. Many offer home delivered mealprograms, low cost lunches, supportgroups, transportation services, respite services,information about community resources, socialservices, counseling, recreational and learningopportunities, exercise classes, and health promotion.Call your local center to find out what services andactivities are currently available.

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Senior activity centers Active adults enjoy social, educational and recreationalopportunities at these community focal points. Anutritionally balanced noon meal is provided.Reservations required one day in advance anddonations are accepted. A broad range of activities areavailable including exercise, dancing, games, bookclubs, arts and crafts and wellness presentations.

Nutrition SiteThe same nutritious noon time meal served at theSenior Centers is provided at some senior housinglocations. The Older Americans Act provides funding for this meal for persons 60 and older (reservations are required in advance/donation accepted). Non-seniors can also purchase the meal with anadvance reservation.

elder Nutrition program - Fayette countyPersons age 60+ and the spouse of that person,regardless of age, are eligible to participate incongregate nutrition services. Suggested donation is$2.00. Meals served at these locations (reservationsrequested):Lexington Senior Center (859) 278-60721530 Nicholasville Rd., 40503Black and Williams Neighborhood Ctr. (859) 381-9096498 Georgetown St., 40508Tower Plaza (859) 258-2445650 Tower Plaza, 40508Home-delivered meals are provided to those age 60+ ifthe person is, by reason of illness or incapacitatingdisability, unable to attend a congregate site and has noone in the home able to prepare a nutritious meal on aregular basis. Assessment required, waiting list mayexist. Call (859) 278-6072 for more information.

Meals on Wheels (859) 276-53911530 NICHOLASVILLE RD., LEXINGTON 40503

Service is provided to homebound persons. A homedelivered hot noon meal, breakfast, cereal, milk andjuice, and supper snack is provided Monday throughFriday from 11 A.M. – 1 P.M. Reasonably priced meals.

Lexington-Fayette Urban county government (859) 233-0986BELL HOUSE SENIOR CENTER, PARKS AND RECREATION

Center located at the Bell House Mansion. Recreationand cultural activities for senior adults age 50+. Artclasses, arts and crafts, ceramics, water fitness, fitness,card games, piano lessons, bell choir, line dancing,Monday club. Travel is offered for day trips andextended day trips, cost for the travel varies. Hours,Mon.-Fri., 8:30 A.M.-4:30 P.M. This center is located oneblock from the bus line and is generally accessible.

Black and Williams Neighborhood center498 GEORGETOWN ST., LEXINGTON 40508

Open to anyone age 60+. Noon lunch;$2 suggesteddonation. Exercise classes, line dancing, bingo, moviedays, dominoes, cards, chess, blood pressuremonitoring, and other activities. Transportationprovided by Wheels.

eldercrafters program (859) 258-1288LEXINGTON FAYETTE URBAN COUNTY GOVT., DEPT OF SOCIAL SVCS.

Arts and crafts, ceramics, cards and community serviceprojects at Black and Williams community center.Hours, M–Th., 9:30 A.M.–2 P.M., for seniors age 60+.

Lexington-Fayette Urban county governmentLexington Senior citizen center-parks andrecreation programs (859) 278-6072, ext. 3011530 NICHOLASVILLE RD., LEXINGTON 40503

Opportunities for recreation and leisure participationin multi-purpose center for senior adults age 50+. Artclasses, arts and crafts, ceramics, water fitness, fitness,table tennis, bingo, card games, china painting, andstriders. Travel is offered for day trips, motor coach orextended trips, cost varies. Located on the bus route.

Lexington Striders Walking club (859) 233-0986FAYETTE MALL, NICHOLASVILLE RD., LEXINGTON

Run through the Bell House Senior Center. Membersof the club walk (anywhere they want) and recordtheir individual mileage totals by time or distance.Monthly meeting dates are published in monthlynewsletter sent from the Bell House and theLexington Senior Citizen Center. Co-sponsored by the Lexington Medical Society.

Senior programs at the charles Young center (859) 246-0281540 E. THIRD ST., LEXINGTON 40508

Open Mon., Wed. and Fri., 9 A.M.-1 P.M. to Fayette Co.residents age 60+. Educational seminars, exercise,crafts, open gym for walking and basketball.

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Senior activity centers/Meals

Adult children are often afraid to interfere intheir parents’ financial affairs or parentsare frequently sensitive about letting theirchildren “get into their business.” It isimportant to reexamine all insurance policies thatwere purchased years ago. The financialconsequences could be an extremely unpleasant andunexpected surprise.

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rates cited here are accurate at time of publication,but subject to changeBluegrass Ultra transit (BUS) 1-800-456-6588111 PROFESSIONAL CT., FRANKFORT 40601www.bluegrasscommunityaction.org/Pages/bus.html

Provides public and Medicaid transportation. CoversAnderson, Boyle, Franklin, Garrard, Jessamine, Lincoln,Mercer, Scott and Woodford counties. Some inter-cityroutes between Lexington and surrounding counties.

cardinal Hill Driver assessment/rehabilitation program (859) 367-71212050 VERSAILLES RD., LEXINGTON 40504www.cardinalhill.org

Federated transportation Services 1-888-848-0989 or (859) 233-00662308 FRANKFORT CT., 40511www.ftsb.org

Public transportation and inter-city service inBourbon, Harrison and Nicholas co’s. Medicaidtransportation for Fayette County.

independent transportation Network – itNBluegrass (859) 252-86651206 N. LIMESTONE ST., LEXINGTON 40505www.itnbluegrass.org

24/7 door-through-door transportation for people 60+

and adults with visual impairment in Fayette and northernJessamine co’s. Membership required. Fees include $30membership fee, $3 pick-up fee (per ride) and $1.50/mi.

Kentucky river Foothills transportation - Foothillsexpress 1-800-819-7083 or (859) 624-3236309 SPANGLER DR., RICHMOND 40475www.foothillscap.org

Public transportation for Clark, Estill, Madison andPowell counties.

LKLp community action 1-800-245-2826PO BOX 340, JEFF 41754www.lklp.org

Medicaid transportation for Bourbon, Clark, Estill,Harrison, Madison, Nicholas and Powell counties.

Lextran TRANSIT CENTER (859) 253-4636OFFICE (859) 255-7756109 WEST LOUDON AVE., LEXINGTON 40508www.lextran.com

Public transportation for Lexington.

Medex patient transportation (859) 951-3737www.medextrans.net

transportation

n aNDerSON cOUNtY anderson county Senior center(502) 839-7520160 TOWNSHIP SQ., LAWRENCEBURG 40342

n BOUrBON cOUNtY Bourbon county Senior center(859) 987-74531 MAIN & BANK ROW, PARIS 40361

n BOYLe cOUNtY Boyle county Senior center(859) 236-2070TTY: (859) 238-0120569 JEAN DR, DANVILLE 40422

n cLarK cOUNtY clark county aging Services(859) 744-323532 MEADOW ST., WINCHESTER 40391

n eStiLL cOUNtY estill county Senior center(606) 723-4787100 GOLDEN CT., IRVINE 40336

n FaYette cOUNtY Fayette county Senior center(859) 278-60721530 NICHOLASVILLE RD., LEXINGTON 40503

n FraNKLiN cOUNtY Franklin county Senior center(502) 223-5794202 MEDICAL HTS. DR., FRANKFORT 40601

n garrarD cOUNtY garrard county Senior center(859) 792-3147153 FARRA DR., LANCASTER 40444

n HarriSON cOUNtY Harrison county Senior center(859) 234-5801216 OLD LAIR RD., CYNTHIANA 41031

n JeSSaMiNe cOUNtY Jessamine county Senior center(859) 885-9102111 HOOVER DR., NICHOLASVILLE 40356

n LiNcOLN cOUNtY Lincoln county Senior center(606) 365-9016 100 SENIOR WAY, STANFORD 40484

n MaDiSON cOUNtY Madison/Berea Senior center(859) 986-8350214 W. JEFFERSON ST., BEREA 40403

Madison/richmond Senior center(859) 623-04741215 W. MAIN ST., RICHMOND 40475

n Mercer cOUNtY Mercer county Senior center(859) 734-5185 1475 LOUISVILLE RD., HARRODSBURG 40330

n NicHOLaS cOUNtY Nicholas county Senior center(859) 289-3729147 SCRUBGRASS RD., CARLISLE 40311

n pOWeLL cOUNtY powell county Senior center(606) 663-5981127 PIRATE DR., STANTON 40380

n ScOtt cOUNtY Scott county Senior center(502) 863-4041800 CINCINNATI PK., GEORGETOWN 40324

n WOODFOrD cOUNtY Woodford county Senior center(859) 873-8384285 BEASLEY DR., VERSAILLES 40383

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Medicaid transportation 1-888-941-7433 or 1-800-635-2570

Medicaid covers medically necessary transportation toand from Medicaid-covered service for somemembers. If the member or someone in thehousehold has a vehicle, they must providedocumentation of why they can’t use that vehicle.Rides must be scheduled at least 3 days in advance.

rural/Metro ambulance (859) 233-9719, or 1-800-325-07161135 VERSAILLES RD., LEXINGTON 40508

In addition to emergency transportation, they can takea person on a stretcher to a non-emergency medicalappointment for $397.77 + $14.26/mile.

transportation vouchers (859) 233-4600COMMUNITY ACTION COUNCIL710 W. HIGH ST., P.O. BOX 11610, LEXINGTON 40576

Provides vouchers for trips on Wheels to and frommedical appointments. Must qualify for a Wheels card,have income within 150% of poverty guidelines andbe age 60+.

Wheels–Bluegrass area chapter (859) 233-3433AMERICAN RED CROSS, 1450 NEWTOWN PIKE, LEXINGTON 40511

Wheelchair lift equipped mini-buses for those with adisability, which prevents them from riding LexTran.You must fill out an application and be registered withthe Red Cross Wheels Office. Disability must bedocumented by a physician or social service agency.Reservations must be made 24 hours in advance.Operating Mon.- Sat., 6:00 A.M. - 11:30 P.M. and Sun.6:00 A.M.- 8:00 P.M. $1.60 per one-way trip.

Handicapped parking cardANDERSON COUNTY (502) 839-3041 BOURBON COUNTY (859) 987-2142BOYLE COUNTY (859) 238-1110 CLARK COUNTY (859) 745-0080 ESTILL COUNTY (606) 723-5156FAYETTE COUNTY (859) 253-3344 FRANKLIN COUNTY (502) 875-8702 GARRARD COUNTY (859) 792-3071 HARRISON COUNTY (859) 234-7130 JESSAMINE COUNTY (859) 885-4161 LINCOLN COUNTY (606) 365-4570 MADISON COUNTY (859) 624-4706MERCER COUNTY (859) 734-6310 NICHOLAS COUNTY (859) 289-3730 POWELL COUNTY (606) 663-6444 SCOTT COUNTY (502) 863-7875WOODFORD COUNTY (859) 873-3421

Available in your county clerk’s office. You must havea disability form from your physician.

Some people need professional assistance in getting tosurgical or therapy sessions, chemo treatments, etc.Private ambulance services are available to meet thisneed. Always check with your physician/hospital for service.

independent ambulance ServicesRural Metro Ambulance . . . . . . . . . . . . .(859) 254-4969Woodford County Emergency Med . . . . .(859) 873-8161Georgetown Ambulance Services . . . . . .(502) 863-7840Woodford County Ambulance . . . . . . . . .(859) 873-8057American Medical Response . . . . . . . . .(859) 275-1113Scott County Ambulance . . . . . . . . . . . . .(502) 863-7840

Most Services Offer:• 24 hour/7 day service• Family member or friend can ride along • Direct billing for Medicare/Medicaid and

secondary insurance• Stretcher service. Not all are wheelchair equipped.

average costs (base)• Rates are usually quoted base cost plus additional

charge per mile. Ask for exact quotes for your needs.Ask for all available discounts.

• Most services accept Medicare, Medicaid and other insurance assignment.

• Some services are better than others in explaining and pursuing Medicare covered charges. Know yourrights and always shop for best price and terms fromat least two services.

• Services will bill Medicare, Medicaid, secondary insurance carriers. Most will bill patients for charges not covered byMedicare, Medicaid and secondary insurance.

Medicare’s Definition of Stretcher acceptable patient• Cannot sit up in a wheelchair safely• Cannot walk with assistance• Must be bed confined 18 hrs. before and after transport

Medicare covers:• Stretcher service to hospital and some out-patient

hospital procedures• Discharge to home or skilled nursing center• Transport only up to 25 miles

Medicare Does Not cover:• Any wheelchair transport• Transport to doctor’s office• Transfer from one hospital to another if needed

service is available at existing hospital

Medicaid covers:• Same services as Medicare plus wheelchair transport

with doctor’s prior authorization• Stretcher service to doctor’s office with

doctor’s authorization

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Consumer Help& InformationHandy forms and guides in this section:Living Wills vs. Trusts . . . . . . . . . . . . . . . .13Do’s and Don’ts of 911 . . . . . . . . . . . . . .26Living Will Directive Form . . . . . . . . . . . .27


funeral PreplanningMilward Funeral Directors . . . . . . . . . . . .25

Please support our advertisers for making this guide possible. Tell them you saw it in Pathways.


Living Trusts vs.WillsThe Federal Government allows a couple to pass all or a portion oftheir estate to heirs tax free. These amounts change, so check withyour financial advisor for current amounts. This can be accomplishedwith either a professionally prepared will or a living trust – dependingon the circumstances.

Living trusts can be an effective estate planning tool but they are notneeded by everyone. Funding a trust means transferring assets such as yourhome, car or bank accounts into the legal entity (trust) from your ownname. Assets then are owned by the trust – not yourself. You or someoneyou designate then administers the trust as the trustee. If you nameyourself as trustee, you still retain total control of those assets in the trust.

Unlike a will, the use of which alone still requires probate at death, aliving trust is executed during a person’s lifetime. You can administeryour own trust, and upon your death or incapacitation, a namedsuccessor trustee will assume management. This prevents probate and/or the need to apply for guardianship or conservatorship. There are bothchangeable and non-changeable (revocable and non-revocable) trusts, eachof which have differing effects on taxes and government benefits.

Any tax deferred accounts, such as an IRA or 401(k), should not beplaced in trust. The IRS considers this a taxable distribution and willcharge you taxes and a 10% penalty.

Considerations:

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Living Trust• Can distribute my estateaccording to my wishes.

• A living trust allows foreffective tax planning strategies with the max-imum level of control.

• Avoid probate and/or attorneyfees associated with probate.

• Probate is expensive and slow.Files are open to the public.Wills can be challenged by heirswho are legally entitled tonotice of distribution.

• No cut-off for creditors to file claims.

• Avoids probate in each state inwhich property is owned.

• A named successor trusteeassumes management upon yourincapacitation without the needto petition the court to name aconservator to act for you.

• If your life insurance policy isowned by the trust, and yourestate is worth more than theallowable limit, the trust willhave to pay taxes on the proceeds.

• Guardianship is avoided in theevent of incapacity.

• Generally simpler and less timeconsuming than probate.

Simple Will• Can effectively accomplish thesame with joint ownership anddesignation within a will.

• There are many strategieswhich can be used to reduceor eliminate federal and state taxes with or without a living trust.

• You can hold property in jointnames or Payable at Deathaccounts. Assets with namedbeneficiaries also avoid probate.

• It depends on the complexity ofyour estate. Trustadministration can also beexpensive, slow, and complex.Very few people actually go tocourt to read files.

• No claims can be filed after oneyear.

• Your will must be validated bythe probate court in each statein which you own property.

• Provides a safeguard against adishonest heir or trustee. Probate court requires strict accounting and closely supervises estate administration.

• Life insurance proceeds are nottaxable to an individual whilethat individual is living.

• A Durable Power of Attorneycan accomplish the same thingwithout incurring the expenseof setting up a Living Trust orhaving to fund it.

Visit us on the web atwww.seniorimpact.net for moreinformation on topics of interest toseniors and caregivers. View thePathways Guide online, learnabout events in your area, read about relevantissues currently affecting the seniorcommunity, and much more!

need moRe InfoRmaTIon?

You need two documents to help protect your wishesor to assume responsible caregiving for a loved one–a general durable power of attorney (for financialand legal) and a State of Kentucky Living WillDirective (which combines a living will and adurable power of attorney for health care).

Some doctors and hospitals may be reluctant to follow apatient’s living will orders. It’s important to tell yourdoctor, executor, guardian, family and close friends thatyou have these documents and where they are located.Make sure all copies are signed and notarized.

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Road and WeatherInformation

Highway Patrol1-866-737-3767

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See also Education & Leisure, Utilities Assistance andHospital Membership Programs.

Many businesses and restaurants offer senior citizen discounts, special shopping hours and incentiveprograms and/or clubs. Most arts and entertainmentevents also offer special rates for seniors. All hospitaladult membership programs offer discounts on medicaland pharmaceutical supplies.

aaRP MEMBERSHIP INFORMATION 1-888-687-2277www.aarp.org

AARP card offers those age 50+ discounts on hotelaccommodations, restaurants, car rentals, insurance andprescription medications. Free tax advice Feb.–April.

1-800-858-1549fw.ky.gov

Kentucky residents age 65+ may hunt and fish for anannual $5 fee. Social Security number required.

america the Beautiful Land Pass 1-888-aSk-USGSwww.nps.gov/fees _passes.htm

Good for discounts on federal park services.

kentucky State Parks 1-800-255-7275www.parks.ky.gov

Discount on camping and lodging for those age 62+.

national Park Services (513) 684-3262U.S. DEPARTMENT OF INTERIOR–AMERICAN SENIOR PASSWILLIAM HOWARD TAFT SITE2038 AUBURN AVE., CINCINNATI, OH. 45219www.nps.gov

Free admission to federally operated parks,monuments, historic sites, recreation areas andwildlife refuges after payment of one $10 lifetime fee.

Obtainable in person only to those age 62+ in mostfederally operated recreation sites. May allow 50%discount on boat launching and camping fees. Doesnot apply to non-federal parks.

Property Valuation administrator (859) 246-2722101 E. VINE ST., SUITE 600, LEXINGTON 40507http://www.fayettepva.com

The Homestead Exemption is available to homeownersage 65+ or those who are disabled. Applicants mustown and maintain the home as their primaryresidence and cannot have a similar exemption on anyother property. For 2013, the exemption is $36,000.In order to receive the exemption, applicants mustcomplete a one-page application and provide proof ofeligibility. Visit the website above to learn more aboutwhat documents can prove eligibility and to print theapplication. You may call the PVA Office to request anapplication or more information.

County PVa offices:ANDERSON COUNTY (502) 839-4061 BOURBON COUNTY (859) 987-2152 BOYLE COUNTY (859) 238-1104 CLARK COUNTY (859) 745-0250 ESTILL COUNTY (606) 723-4569 FRANKLIN COUNTY (502) 875-8780 GARRARD COUNTY (859) 792-3291 HARRISON COUNTY (859) 234-7133 JESSAMINE COUNTY (859) 654-6055 LINCOLN COUNTY (606) 365-4550 MADISON COUNTY (859) 623-5410 MERCER COUNTY (859) 734-6330 NICHOLAS COUNTY (859) 289-3735 POWELL COUNTY (606) 663-4184 SCOTT COUNTY (502) 863-7885 WOODFORD COUNTY (859) 873-4101

PaRkS admISSIonS

fISHInG and HUnTInG LICenSeS

GeneRaL

HomeSTead exemPTIon

discount Programs

See also Education and Telephone Reassurance.

aaRP driver Safety 1-888-687-2277www.aarp.org

Classes alert older drivers to changes in traffic, changingphysiology, and current rules and regulations.Insurance discounts offered for completing course.

Better Business Bureau of Central kentucky (859) 259-1008 or 1-800-866-66681460 NEWTOWN PK., LEXINGTON 40511www.bluegrass.bbb.org

Provides reliability reports on local and nationalbusinesses and charities, as well as information on awide variety of consumer topics. Complaints aboutlocal or national business practices should be in writingor filed on the Internet. Complaint mediation andarbitration services available. Access information 24hours a day with a touch-tone phone or on the website. Office hours: Mon. – Fri., 8:30 A.M. – 5:00 P.M.

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apprisen (formerly Consumer Credit Counseling Service of Central kentucky 1-800-355-2227 or (859) 259-99992265 HARRODSBURG ROAD, STE. 303, LEXINGTON 40504www.apprisen.com

Nonprofit agency provides financial counseling andeducation. Debt Management Program combinesunsecured debt into one monthly payment to lowerinterest rates and stop fees. Appointments available faceto face, by phone or internet.

Cooper & associates (859) 224-07642333 ALEXANDRIA DR., LEXINGTON 40504

free Credit Report 1-877-322-8228COMPLETE THE “ANNUAL CREDIT REPORT REQUEST FORM” ANDMAIL TO: ANNUAL CREDIT REPORT REQUEST SERVICE,PO BOX 105281, ATLANTA, GA 30348-5281www.annualcreditreport.com

Each consumer reporting company (Equifax,Experian, and TransUnion) is required to provide youwith a free copy of your credit report once every 12months, if you ask for it. It is important to check yourcredit report for a number of reasons, especially tomake sure the information on your report is accurateand that you are not a victim of identity theft. Make arequest over the Internet or by calling.

Integrity daily money management & Bookkeeping (859) 771-3341www.integritydmm.com

Helps seniors handle daily financial activities like paybills, manage budget, balance checkbook, etc.

Ridgewood, Ltd. (859) 233-3056628 N. BROADWAY, SUITE 203, LEXINGTON 40508

Bonded financial service offering budget planning, billverification, checkbook balancing and more.

Wills and living trusts should be set up by an attorney.

fayette County Bar association (859) 225-9897LAWYER REFERRAL SERVICEwww.fcba.com

Attorney referral. There are no special discountsassociated with this service, so be sure to discuss feeswhen you first contact the attorney. 8:30 A.M. – 4:30 P.M.

n TeRmSestate Tax

Tax applied by Federal Government to estates overthe applicable monetary threshold.

Joint TenancyTwo or more people own or hold title to an asset withright of survivorship. If held with right of survivorship,probate is avoided until the death of the last jointtenant/spouse. There are pros and cons of jointtenancy which should be discussed with an attorney.

Living TrustAllows you to transfer ownership of property andassets to a trust which is administered by someoneyou appoint, including yourself. There are bothchangeable and non-changeable (revocable andirrevocable) trusts, each of which have differingeffects on taxes and government benefits.

medicaid TrustA legal document that protects assets if you are confinedto a nursing home and will apply for Medicaid.

ProbateCourt proceeding which arranges for resolution of alllegal and financial matters of the deceased. Title andasset changes are made according to the wishes in a validwill, or according to state directives in the absence of awill. Probate takes an average of nine to 24 months. Feesinclude attorneys, court, asset appraisals and sometimesbond premiums (5–15% of estate value). Information ispublic record. Proceedings are required in every state inwhich property is owned. Ways to avoid probate includejoint ownership of all assets such as bank accounts, IRAs,life insurance, and/or house mortgage. These all go intoprobate, however, upon the death of the second spouse.

Revocable Living TrustA planning tool that replaces a will and avoids probate.Transfers assets to a trust that is administered by anamed trustee, which could be yourself. Allows you topass part or all of your estate to your children tax free.Allows you to designate who will receive your assetsand who will manage and distribute them after yourdeath or disability. A successor trustee will assumemanagement without need for legal guardianship. Canbe changed or revoked any time.

CRedIT CoUnSeLInG & fInanCIaL HeLP

eSTaTe PLannInG

finances and estate Planning

Bluegrass Crime Stoppers (859) 253-2020http://bluegrasscrimestoppers.com/

24-hour hotline to report crimes and info about acrime that you can help resolve, and be rewarded. Allcalls are anonymous.

Crime Victims Compensation Board (502) 573-2290130 BRIGHTON PARK BLVD., FRANKFORT, KY. 40601www.cvcb.ky.gov

Makes awards for medical and funeral expenses (up to$5,000), lost wages, lost support and psychologicalcounseling for innocent victims of crime. Maximumaward per claimant is $25,000.


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Springing Power of attorneyA clause in a legal document which deals with an “onlyif ” course of action. (i.e. in the event that I am unable tomanage my own financial and general affairs, then…)

Unlimited marital deductionNo estate taxes are imposed on surviving spouseregardless of size of estate. However, estate tax can beimposed at the time of death of the surviving spousedepending on the size of the estate.

WillA legal document which declares how you want yourassets distributed after your death.

n TeRmS & InfoRmaTIon ReLaTInG To THe CaRe of anoTHeR PeRSon

advance directivesAllows you to express your wishes in advance. Letsphysicians and others know what medical treatments areacceptable in the event of terminal illness. Living Willdirectives supercede the Durable Power of Attorney forHealth Care. Advance planning is extremely important forthese complex decisions. Consult with your attorney.

ConservatorshipCreated voluntarily at the request of a physicallyinfirm, but competent, adult to place his property or person under court supervised care.

durable General Power of attorneyGives power to another to make legal or financialdecisions such as check cashing, banking needs, fillingout tax forms, etc. if you are unable to do so. Thepowers can be narrow or broad. You should not use aform to assign power of attorney, they are oftenflawed and not legally binding. Use an attorney or callLegal Aid of the Bluegrass, (859) 233-4556.

durable Power of attorney for Health CareGives power to another to make medical decisions ifyou are unable to do so. It should be used along witha Living Will. Living Wills are extremely limited to lifeand death medical care. It is an important companiondocument. A simple form can be obtained by calling(502) 564-8100, ext. 499.

GuardianshipAppointed by the court only after a jury trial has beenheld to determine mental competency based onmedical evidence and testimony of a social worker.The person whose competency is in question, the“ward,” is required, if able, to appear in court. TheState or an individual may be appointed guardian. Theeffect of a finding of incompetency is the removal ofall of the ward’s adult rights. (The law refers to this asbeing “disabled”).

Living WillSee Advance Directives.

Patient’s RightsShould be prominently posted in the facility. Entitlesresidents to the highest quality of care with dignity,respect, full information about fees, charges and theright to privacy.

Representative PayeePerson designated by the Social Security or Veterans’Administration to receive benefit checks on behalf ofanother person. For example, a check for John Smithis paid to Lucy Jones. (Lucy must be able to provide afull accounting of her use of the money on behalf ofJohn if requested to do so). The designation may bealtered by requesting a change at the SSA or VA office.

Many tax returns are filed by, or on behalf of, individualswho are not required to file. If earned income is belowa certain level, single individuals and couples age 65+may not have to file. Some exceptions apply. Call theIRS at 1-800-829-1040.

Internal Revenue Service 1-800-829-1040 TAX COUNSELING FOR THE ELDERLY (TCE)VOLUNTEER INCOME TAX ASSISTANCE (VITA)http://www.irs.gov

Annual tax counseling services (available late Januarythrough April 15) are provided throughout Lexingtonand surrounding counties. Trained volunteers providefree tax help to senior citizens and low- to moderate-income people. Watch the newspaper or call the IRS or1-888-AARP-NOW for the site nearest you. Informationon TCE and VITA tax preparation sites are availablebeginning late January. In Fayette and surroundingcounties call 2-1-1 for tax preparation assistance.

kentucky Income Tax assistancewww.revenue.ky.govLEXINGTON (502) 564-4581 LOUISVILLE (502) 595-4512

Retirement Tax advisory Group (859) 233-1083114 DENNIS DR., LEXINGTON 40503www.retireky.com

TaxeS

Free on-line tax preparation and filing is availablefor seniors. More information is available atthe website www.irs.gov. Your Local PublicLibrary has computers available for use.Volunteers may also be available to assist you. Formore information, call your closest library branch.

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See also Safety and Security, Medical Insurance andLegal Health Care.

Consumer Protection division (502) 696-5389 or 1-888-432-9257OFFICE OF ATTORNEY GENERAL

CAPITAL STE. 118, 700 CAPITOL AVE., FRANKFORT 40601www.ag.ky.gov

Responsible for mediating and investigating consumercomplaints and providing consumer educationprograms. All complaints must be in writing.Complaint form may be obtained by calling or writingthe office. Senior Citizens’ Workshops on consumerrights of the elderly and how to avoid becoming avictim of fraud are available by contacting theConsumer Protection Division.

Bluegrass aging ConsortiumThe Bluegrass Aging Consortium is a group ofindividuals and professionals interested in all issuesrelated to aging. It meets the 1st Tuesday of eachmonth for networking and information sharing.Contact [email protected] for more information.

Citizen’s advocate ombudsman office (859) 258-3230 4TH FL., GOVERNMENT CENTER, RM., 441, 200 EAST MAIN ST., LEXINGTON 40507www.lexingtonky.gov

Created in the Urban County Government Charter toprovide citizens an ombudsman or independent agentwith the government to provide citizens a remedy forgrievances towards the Urban County Government, itsagencies or employees.

kentuckians for nursing Home Reform (859) 312-56171530 NICHOLASVILLE RD., LEXINGTON 40503www.kynursinghomereform.org

A non-profit organization dedicated to making apositive difference in the lives of the 23,000 “ForgottenKentuckians” in nursing homes. They do this byeducating the public about the critical need to improvethe care of residents in homes. The group alsoadvocates for laws and regulations that will ensure thatnursing home residents will be safe and comfortable.Kentuckians for Nursing Home Reform has a newsletterwith a wide reaching circulation across the state.

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am Vets of kentucky (502) 459-51441330 ELLISON AVE., LOUISVILLE 40204www.amvetsofky.org

Helps veterans and their families apply for andadvocate for benefits and VA hospital services.

department of Veteran affairs 1-800-827-1000VA REGIONAL OFFICE, 321 W. MAIN ST., STE. 390, LOUISVILLE, KY. 40202www.va.gov

kentucky department of Veteran affairs 1-800-572-6245 or (502) 564-9203111B LOUISVILLE RD., FRANKFORT 40601veterans.ky.gov

Lexington Veterans affairs medical Center (859) 233-45111101 VETERANS DR., LEXINGTON 40502www.lexingtonva.gov

Supportive services, in-patient and out-patienttreatment to eligible veterans for medical, surgical,and psychiatric illnesses, including hospital based,home care, supportive care for terminally ill patients,extended care and nursing home care, in-patient respiteprogram, and inpatient care for patients with dementiaor Alzheimer’s disease. Geriatric Program specializesin evaluation, multi-disciplinary treatment and rehabtechniques, and education of patient and family.

Vet Center (859) 253-07171500 LEESTOWN RD., STE. 104, LEXINGTON 40511

Readjustment counseling for all combat veterans.Counseling available for male and female veterans whoexperienced sexual trauma while in the military. Workswith the Veterans Administration regarding benefits.

VeTeRan SeRVICeS

advocacy, Legal & Self empowerment

How do I get my medals?If you are due medals for acts of honorand bravery, you can have them issuedby sending the request on StandardForm 180, Request Pertaining to MilitaryRecords. If you can’t get a copy of Form180, type or handwrite a requestincluding your full name,

signature, branch of service, service ID or SocialSecurity number, dates of service, and a copy ofyour discharge papers.

Write to: National Personnel Records Center, MilitaryPersonnel Records, 1 Archives Dr., St. Louis, MO 63138

call for all services, (314) 801-0800 or fax to, (314) 801-9195or visit vetrecs.archives.gov

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kentucky State Health Insurance assistanceProgram (SHIP) 1-866-516-3051LEGAL AID OF THE BLUEGRASS, 498 GEORGETOWN ST., P. O. BOX 12947, LEXINGTON 40583-2947

Provides phone information, counseling and educationabout Medicare and other insurance. Prescription drugdiscounts and insurance planning.

nursing Home ombudsman agency of theBluegrass, Inc. (nHoa) (859) 277-9215www.ombuddy.org1530 NICHOLSAVILLE RD., LEXINGTON 40503

federal Information Center 1-800-333-4636www.usa.gov

Phone prompts provide information on:#1 LIBRARY OF RECORDED MESSAGES

#0 TO SPEAK TO AN INFORMATION SPECIALIST

Consumer Protection division of attorney General (502) 696-5389CAPITAL STE. 118, 700 CAPITAL AVE., FRANKFORT, KY. 40601www.ag.ky.gov

Assists consumers with complaints of unfair, false,misleading or deceptive business practices.

national do not Call Registry 1-888-382-1222www.donotcall.gov

Gives a choice about whether to receive telemarketingcalls at home. Most telemarketers should not call yournumber once it has been on the registry for 31 days. Ifthey do, you can file a complaint at the website or throughthe toll-free number. You can register your home ormobile phone for free. Your registration will be effectivefor five years. If you call the toll-free number, you mustcall from the phone number you wish to register.To file a complaint on “No Call” List: call the toll-freenumber or visit the website. You must know the nameof the company or phone number and date of call.Telemarketers who have a prior existing businessrelationship with you, have received an expressrequest from you to call, those with whom you havean existing debt or contract, those soliciting onlydonations for charities and those who call yourbusiness are exempt from the law.

access to Justice 1-800-200-3633LEGAL HOTLINE FOR OLDER KENTUCKIANS, LEXINGTON, KYwww.ajfky.org/lhok.php

Brief legal advice and referral services, wills, powers ofattorney and help with guardianship for those age 60+.

adult Protective Services (502) 564-7043ABUSE INTAKE LINE: 1-800-752-6200ADULT PROTECTION BRANCHKENTUCKY DEPARTMENT OF COMMUNITY BASED SERVICESchfs.ky.gov/dcbs/dpp/adult+safety+branch.htm

Kentucky law requires you to report suspected casesof adult abuse, neglect, or exploitation. Also reportadults if you have a concern about their welfare,safety, or ability to care for themselves.

fayette County Bar association (859) 225-8644LAWYER REFERRAL SERVICEwww.fcba.com

Up to three free referrals to attorneys who arequalified to handle your legal problem. There are nospecial discounts associated with this service, so besure to discuss fees when you first contact theattorney. Operated by the Fayette County BarAssociation. Call 8:30 A.M. to 4:30 P.M.

kentucky department of Public advocacy (502) 564-8006 or 1-800-372-2988LAW OPERATIONS DIVISION, 100 FAIR OAKS LN., STE, 302, FRANKFORT 40601dpa.ky.gov

The Kentucky Dept. of Public Advocacy is responsiblefor providing legal representation to indigent individualscharged with crimes throughout the Commonwealth.As part of its mission, the department attempts to makeclients, and community members in general, aware oftheir legal rights should they be questioned about orcharged with a crime. Both adults and juveniles areeligible to receive public defender services. Theadvocates are appointed through the court system.

Legal aid of the Bluegrass (859) 233-4556 or 1-800-928-4556INTAKE FOR CIVIL LEGAL CASES 1-800-888-8189498 GEORGETOWN ST., P.O. BOX 12947, LEXINGTON 40583

Provides legal counsel in civil matters to persons withlow incomes and older persons who are vulnerable.Coordinates Senior Benefits Counseling Program. Ifyou have problems with Medicare, food benefits, or ifyou have lost social security benefits you may applyfor legal assistance. Defends residents of long-termcare facilities against involuntary discharge, and othermatters. Case acceptance limited due to short staffing.

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Lexington-fayette Urban County Human Rights Commission (859) 252-4931162 EAST MAIN ST., SUITE 226, LEXINGTON 40507www.lfuchrc.org

Handles complaints of discrimination in employment,housing and public accommodations. Individuals age40+ are covered through the age discrimination inemployment laws of Lexington-Fayette Urban County,the Commonwealth of Kentucky and the United Statesgovernment. Acts in conjunction with other localagencies and leaders in order to develop harmoniousinter-group and inter-racial relations. Acts as a conciliatorin controversies arising in these areas. Providestraining in a variety of civil and human rights issuessuch as cultural diversity, disability, fair housing andsexual harassment. Complaints can be filed on the web.

n for counties outside of fayette, please contact:department of Insurance (502) 564-3630 or 1-800-595-6053OFFICE OF THE COMMISSIONER, 215 WEST MAIN ST., FRANKFORT 40601www.insurance.ky.gov

The Department of Insurance approves policy formsand rates for health insurance, Medicare supplements,long-term care insurance, automobile insurance, andhomeowners insurance. Publishes a consumer’s guideto long-term care insurance and assist consumers inresolving complaints involving insurance companiesand insurance agents.

kentucky Human Rights Commission (502) 595-4024 or 1-800-292-5566332 WEST BROADWAY, STE 700, LOUISVILLE 40202www.kchr.ky.gov

mediation Center of kentucky (859) 246-2664177 N. UPPER ST., SUITE 102, LEXINGTON 40507www.mediationcenterofkentucky.com

Assistance in resolving disputes outside of thecourtroom. A judge may refer you here or you mayrefer yourself. Fees start at $300 per party, for a 3-hoursession. Usually only one session is necessary.

nursing Home ombudsman agency of the Bluegrass, Inc. (nHoa) (859) 278-6072 ext. 330,

(859) 277-9215 or 1-877-787-00771530 NICHOLASVILLE RD., LEXINGTON 40503www.ombuddy.org

Independent agency looking after the interests oflong-term care residents with advocates assigned toeach nursing home in the 17-county Bluegrass area.Office has booklets and information sheets available atno cost. These cover a wide range of subjects fromevaluating a nursing facility to getting good care onceyou are admitted. Call for information on any topicrelated to care in nursing homes, personal carehomes, or family care homes.

office of the Inspector General (859) 246-2301DIVISION OF HEALTHCARE FACILITIES AND SERVICES, EASTERNENFORCEMENT BRANCH, 455 PARK PL., LEXINGTON 40511chfs.ky.gov/os/oig

State office responsible for surveying long-term carefacilities and investigating complaints. Copies ofannual reports are available in the lobby of each long-term care facility.

office of the ombudsman (502) 564-5497CABINET FOR HEALTH AND FAMILY SERVICES, 275 EAST MAIN ST., EB-1, FRANKFORT 40601chfs.ky.gov/os/omb/

Office of the Cabinet for Families and Children andCabinet for Health Services, which provides citizenswith information about, and referral to, appropriatecabinet programs and investigates and works toresolve complaints involving Cabinet programs.

Summit mediation Group, Inc. (859) 252-61631500 LEESTOWN RD., STE. 307, LEXINGTON 40511www.summitmgi.com

Uk College of Law Legal Clinic (859) 257-4692630 MAXWELTON CT., LEXINGTON 40506law.uky.edu/legalclinic/

Offers free legal assistance on all types of civil mattersto low-income seniors. An attorney supervises lawstudents. Call for an appointment.

Birth and death Certificates (502) 564-4212BUREAU OF VITAL STATISTICS275 E. MAIN ST., FRANKFORT, KY. 40621chfs.ky.gov/dph/vital

$10 for birth certificates; $6 for death certificates (plus additional $5.50 charge by phone fee).

marriage CertificatesANDERSON COUNTY (502) 839-3041 BOURBON COUNTY (859) 987-2142BOYLE COUNTY (859) 238-1110 CLARK COUNTY (859) 745-0280 ESTILL COUNTY (606) 723-5156FAYETTE COUNTY (859) 253-3344 FRANKLIN COUNTY (502) 875-8702 GARRARD COUNTY (859) 792-3071 HARRISON COUNTY (859) 234-7130 JESSAMINE COUNTY (859) 885-4161 LINCOLN COUNTY (606) 365-4570 MADISON COUNTY (859) 624-4703MERCER COUNTY (859) 734-6310 NICHOLAS COUNTY (859) 289-3730 POWELL COUNTY (606) 663-6444 SCOTT COUNTY (502) 863-7875WOODFORD COUNTY (859) 873-3421

Call the county clerk in the county in which the marriage certificate was purchased.

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Web Pages: U.S. Senate www.senate.govU.S. House of Representatives www.house.gov

U.S. Senator Rand Paul (R) (859) 219-2239771 CORPORATE DR., STE. 105, LEXINGTON 40503

U.S. Senator mitch mcConnell (R) (859) 224-8286771 CORPORATE DR., STE. 108, LEXINGTON 40503

Governor Steve Beshear (d) (502) 564-2611STATE CAPITAL, 700 CAPITOL AVE., STE. 100, FRANKFORT, KY. 40601governor.ky.gov

Secretary of State alison Lundgren-Grimes (d) (502) 564-3490STATE CAPITAL, 700 CAPITAL AVE., STE. 152, FRANKFORT, KY. 40601

Register to vote at your county clerk’s office or anyDepartment of Human Resources office or when you getyour driver’s license. New residents should register tovote 30 days prior to an election.Board of electionsANDERSON COUNTY (502) 839-3041 BOURBON COUNTY (859) 987-2142

BOYLE COUNTY (859) 238-1110 CLARK COUNTY (859) 745-0280, ext. 3 ESTILL COUNTY (606) 723-5156 FAYETTE COUNTY (859) 253-3344 FRANKLIN COUNTY (502) 875-8702 GARRARD COUNTY (859) 792-3071 HARRISON COUNTY (859) 234-7130 JESSAMINE COUNTY (859) 885-4161 LINCOLN COUNTY (606) 365-4570 MADISON COUNTY (859) 624-4703 MERCER COUNTY (859) 734-6310 NICHOLAS COUNTY (859) 289-3730 POWELL COUNTY (606) 663-6444 SCOTT COUNTY (502) 863-7875 WOODFORD COUNTY (859) 873-3421

Call for information about elections,absentee ballots (which enable thosewho are disabled or out of town duringan election to vote), or registering to vote.

League of Women VotersPO BOX 22045, LEXINGTON 40522-2045 (859) 494-3203 STATE (502) 875-6481 1009 TWILIGHT TR., STE. 103, FRANKFORT, KY. 40601lwvlexington.com/

Call for information about elected representatives orlegislative issues.

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Today’s job market respects experience. Companies arehiring older workers as cost-effective solutions to acquiringtalent. Studies show that older workers can improve acompany’s productivity and reduce personnel costs. Olderworkers account for fewer on-the-job injuries, have excellentattendance records and offer dependability and maturity.

Goodwill Industries of kentucky (859) 231-8394130 W. NEW CIRCLE RD., SUITE 110, LEXINGTON 40505

Goodwill Industries of Kentucky helps people withdisabilities or other disadvantages achieve andmaintain employment to gain a better quality of life.Services provided include: Orientation/intake;Controlled work experience; Personal and socialadjustment; Job seeking skills training; placement;referral services; vocational counseling; paid work;reports to referral source; follow-up; exit consultation.

office of employment and TrainingCENTRAL KENTUCKY CAREER CENTERS, 1055 INDUSTRY RD., LEXINGTON 40505 (859) 425-2190 or 2189FRANKFORT: 1121 LOUISVILLE RD., STE. 6 (502) 782-0175GEORGETOWN: 1000 WEST MAIN ST., STE. 5 (502) 863-2402RICHMOND: 595 SOUTH KEENELAND DRIVE (859) 624-2564DANVILLE: 121 EAST BROADWAY (859) 239-7004WINCHESTER: 15 W. LEXINGTON AVE. (859) 737-7793www.ckycareers.com

This state agency offers job placement, referral,customized training , counseling, and assessments.

n Community Services employment ProgramsBluegrass Comm. action Partnership 1-800-456-6571111 PROFESSIONAL COURT, FRANKFORT 40601

The Title V Senior Community Services EmploymentProgram is a federally funded employment programfor persons age 55 and older who qualify. They canhelp place you with community service agencies, thejob search club, and unsubsidized employment.

Senior Companion Program (502) 695-4290, ext. 215 or 1-800-456-6571BLUE GRASS COMMUNITY ACTION PARTNERSHIP111 PROFESSIONAL CT., FRANKFORT 40601

Senior companions are people age 55+ who spend 20hours a week helping the homebound elderly in 10central Kentucky counties. Provides free transportationor mileage reimbursement to all volunteers. Small hourlystipend if eligible. Servicesare free to clients andinclude meal prep, errands,escort and other activities.

employment

Reverse mortgage loans enable persons age 62+ to getcash (a loan) that is not paid back until you move out ofyour home, no matter how long that turns out to be. Thisloan relies only on home equity, so advanced age, lowincome, and even bad credit (except debt to the FederalGovernment), does not prevent this loan from going through.

The most popular form of Reverse Mortgage is theHome Equity Conversion Mortgage (HECM) which is theone described here. The HECM loan is done throughprivate lenders who compete for your business, but theseloans are backed 100% by the Federal Government throughthe Department of Housing and Urban Development (HUD).

How much Can I Borrow?The chart below gives examples of the amount of moneyavailable at an interest rate of 3.97%. The interest ratein the discussion here is variable monthly (a slightlyhigher, variable yearly rate is also offered); the lower theinterest rate, the more money that will be available to thehomeowner.There are several choices for taking the moneyavailable; a line of credit, a monthly payment for life(“tenure”) for a specified period, or any combination ofthese methods. Notice that the older you are, the greaterthe amount available.

* The Maximum Claim Amount is either the FHA lendinglimit in the County, or your home value, whichever is less.

Pros Include:• A free educational session conducted by a trained

counselor is required before you enroll with a lender.• No monthly mortgage payments.• A “low” interest rate applies and accumulates only on

the funds borrowed so far.• No repayment until you move; for co-owners, no

repayment until you both move.• Existing mortgages will be paid off with Reverse Mortgage

Funds (as long as there are enough proceeds to do so).• The line of credit is growing (currently at 4.47%).• If you are receiving public benefits (such as SSI or Food

Stamps), Reverse Mortgage proceeds can be managedin a way that does not interfere with benefits.

Cons Include:• High start-up costs. While these are not paid out of

pocket, there is an immediate debt on the home. So thisloan is costly if you move out of the home soon.

• Required repairs must be less than 15% of the homevalue (if repair needs are greater, other programs mayhelp - ask your counselor).

• Any existing mortgage must be paid off, so if existingdebt is too large, the Reverse Mortgage might notprovide enough money to do so.

more Questions?For more information, visit the Internet at www.aarp.org,or call the reverse mortgage resource listed below.

State Single family Housing division (502) 574-4016444 S. 5TH ST., LOUISVILLE, KY. 40202www.hud.gov

Information and referral for reverse mortgage loans.

apprisen (Consumer Credit Counseling Service of the midwest 1-800-355-2227 or (859) 259-99992265 HARRODSBURG ROAD, STE. 303, LEXINGTON 40504www.apprisen.com

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Reverse mortgage Loans

maximum Tenure monthly Payment (by age)Claim amount 65 75 85

$213,750 $676 $913 $1,417140,000 448 582 91085,000 251 332 530

Line of Credit or Cash advance by age

$213,750 $111,916 $133,947 $157,002140,000 75,668 85,346 100,87985,000 42,533 48,801 56,724

• If it sounds too good to be true, it usually is.• Free prizes or trips usually are not!• Giving your credit card or Social Security

number to someone you don’t know is likegiving them a blank check!

• Never give out your credit card number tosomeone who calls to solicit you over thephone or approaches you in your home.

SmaRT ConSUmeR TIPS

To be eligible for Part A Social Securitybenefits you or your spouse must haveworked 40 quarters. Immigrants andothers can purchase Part A benefits for $300 monthly through your local Social Security office.

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aaa driver Improvement Program (859) 233-1111 or 1-800-233-11113008 ATKINSON AVE., LEXINGTON 40509

Free eight hour class program for those age 55 andover. Completion of the program makes you eligiblefor a discount on your auto insurance premium.

aaRP 55 alive driving ProgramLEXINGTON SENIOR CITIZENS CENTER (859) 278-6072BELL HOUSE (859) 233-0986

Completion of this course entitles you to a discounton your auto insurance for three years. Eight hourclassroom course in two 4-hour sessions. Course isgiven for anyone over 50 in many locations throughoutthe year, including the Bell House or the Senior Center.

american Red Cross (859) 253-1331CLASS SCHEDULE 1-800-733-2767BLUEGRASS AREA CHAPTER, 1450 NEWTOWN PK., LEXINGTON 40511www.redcross.org/ky/lexington

Community educational programs and health coursesin the following areas: CPR, first aid, blood bornpathogens, Pet first aid and babysitting. If you areinterested in learning how to help yourself and othersin times of emergency, please contact the AmericanRed Cross for a class schedule. Fee for courses.

Bluegrass Community and Technical College 1-866-774-4872470 COOPER DR., LEXINGTON 40506www.bluegrass.kctcs.edu

Adult Basic Education: Provides classes in reading andmath to prepare adults for better jobs. Students advanceat their own speed. Classes offered at over 15 placesthroughout the county, and in Boyle and Anderson co’s.

Book Buddies (859) 231-5592LEXINGTON PUBLIC LIBRARY, 140 E. MAIN ST., LEXINGTON 40502

Homebound patrons receive regular visits from theirvolunteer Book Buddy who brings books, records,tapes from the public library. Volunteers attend trainingand must agree to submit to a police records check.

Carnegie Center for Literacy and Learning (859) 254-4175251 W. SECOND ST., LEXINGTON 40507www.carnegiecenterlex.org

Literacy programs at various reading levels as well ashelp with writing for beginners or published writers.Computer classes. Special classes for seniors include aWriting Group at the Senior Citizens Center. A Computerconsultant is available everyday during business hours.Mon. – Thurs., 12 – 7 P.M., Fri., 12 - 5 P.M.

Central kentucky Computer Society (859) 373-1000160 MOORE DRIVE, SUITE 107, LEXINGTON 40503www.ckcs.org

Computer classes for all ages taught by volunteermembers. Membership benefits include substantialdiscounts and a monthly online newsletter. $40 peryear. Membership also available through website.Locations with public access to computers:• Lexington Public Library (all branches)• UK library• Carnegie Center• Central Baptist Health Information Library

Citizens fire academy (859) 231-5668DIVISION OF FIRE, LEXINGTON FAYETTE URBAN COUNTY GOV’T.

Program to familiarize citizens with the working of theFire Department and fire safety practices.

Citizens Police academy (859) 258-3634DIVISION OF POLICE, LEXINGTON-FAYETTE URBAN-COUNTY GOV’T.www.lexcpaaa.org

Program to familiarize citizens with the working of theDivision of Police. Twelve weekly 3-hour classes andlots of hands on experience. Held three times a year.Available to any citizen over 18. Call for application.

Cooperative extension ServiceANDERSON COUNTY (502) 839-7271 BOURBON COUNTY (859) 987-1895 BOYLE COUNTY (859) 236-4484 CLARK COUNTY (859) 744-4682 ESTILL COUNTY (606) 723-4557 FAYETTE COUNTY (859) 257-5582 FRANKLIN COUNTY (502) 695-9035 GARRARD COUNTY (859) 792-3026 HARRISON COUNTY (859) 234-5510 JESSAMINE COUNTY (859) 885-4811 LINCOLN COUNTY (606) 365-2459 MADISON COUNTY (859) 623-4072 MERCER COUNTY (859) 734-4378 NICHOLAS COUNTY (859) 289-2312 POWELL COUNTY (606) 663-6405 SCOTT COUNTY (502) 863-0984 WOODFORD COUNTY (859) 873-4601ces.ca.uky.edu/ces

Agents specializing in home economics, horticulture,and agriculture present educational programs, answertelephone inquiries, sponsor a variety of workshopsand assist clientele on a one-on-one basis. Agents writefree newsletters: Consumer Notes, Working Women’sWorld, and Horticulture Notes. Small fee.

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education and Leisure

Remember to replace the batteries in yoursmoke detector when you change yourclock in the Spring and Fall.

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donovan fellowship for academic Scholars Tuition Waiver (859) 257-2657UNIVERSITY OF KENTUCKY, LIGON HOUSE, 658 S. LIMESTONE ST.,LEXINGTON 40506-0442www.mc.uky.edu/aging/donovan_fellowship_for_academic_scholars.html

Tuition-free education for academic classes at theUniversity of Kentucky to persons age 65+. DonovanFellows may work toward an undergraduate orgraduate degree, audit classes for the joy of learning,or take individual courses for credit.

Gold Cards for Seniors (859) 381-4760FAYETTE COUNTY PUBLIC SCHOOLS, COMMUNITY RELATIONS

701 EAST MAIN ST., LEXINGTON 40502Fayette Co. Public School offers free admission to schoolfunctions for age 55+ and retired. The Gold Card canbe used at sports events, plays, and other activities. Toget your Gold Card, call or write the office.

kentucky Talking Book Library 1-800-372-2968300 COFFEE TREE RD., FRANKFORT 40602www.kdla.ky.gov/librarians/talkingbook/pages/default.aspx

Free library service for persons who cannot readtraditional print due to blindness, low vision, or aphysical disability that prevents them from holding abook or turning pages. Digital audio books and Braillebooks are sent via US Postal service, or downloadedfrom the internet. KTBL will provide a digital player.

Lexington Public LibraryCENTRAL LIBRARY: 140 E. MAIN ST., (859) 231-5500BEAUMONT BRANCH: 3080 FIELDSTONE WAY, (859) 231-5570TAKES CREEK BRANCH: 3628 WALDEN DR., (859) 231-5580NORTHSIDE BRANCH: 1733 RUSSELL CAVE RD., (859) 231-5590EAGLE CREEK: 101 N. EAGLE CREEK DR., (859) 231-5560VILLAGE BRANCH: 2185 VERSAILLES RD. (859) 231-5575www.lexpublib.org

Variety of programs and activities for senior citizens,including large print books, books on tape, service forthe homebound and free computer classes. Publiclyaccessed computers with internet services available.Book van goes to many nursing and retirement homes.All libraries located near a bus line and buildings areaccessible for the handicapped. Library cards are free.

Living arts and Sciences Center (859) 252-5222 or 255-2284362 N. MARTIN LUTHER KING BLVD., LEXINGTON 40508www.lasclex.org

Educational opportunities in arts and sciences for personsof all ages through exhibits, classes, and outreach. Classsessions are held five times throughout the year. Hosts 10-12 art exhibitions, 3 science exhibitions, workshops, fieldtrips, and programs for at-risk, special populations, andneighborhood youth. LASC is on the downtown bus line.

osher Lifelong Learning Institute at Uk (859) 257-2656 or 1-866-602-5862UNIVERSITY OF KENTUCKY, LIGON HOUSE, 658 S. LIMESTONE ST.,LEXINGTON 40506-0442www.mc.uky.edu/aging/

OLLI at UK offers courses, events, special interestgroups, workshops and day trips for adults 50+ inLexington, Morehead and Somerset. The Donovan ForumLecture and Entertainment Series held Thursdays at3:00 P.M. at the Lexington Senior Center during the falland spring semesters. Forums are free and open to thepublic. OLLI at UK...where curiosity never retires.

Police activities League (PaL) (859) 258-3795SR. CITIZENS PROGRAM, 1625 RUSSELL CAVE RD., LEXINGTON 40505www.lexingtonPAL.com

Designed to educate senior citizens about the latestcrime prevention and safety programs. Field trips,parties, and other special events.

Road Scholar 1-800-454-5768www.roadscholar.org

Travel and education program for those age 55+.

Senior Crime College and Senior day out (502) 696-5389SENIOR PROTECTION BRANCH, 700 CAPITOL AVE., SUITE 118, FRANKFORT 40601ag.ky.gov/civil/consumerprotection/seniors

Helps senior citizens better protect themselves fromphysical and financial crimes. Senior Day Out is aprogram presented by local TRIADs and supported bythe Attorney General’s Office.

Senior Intern Program (859) 258-3806LEXINGTON FAYETTE URBAN COUNTY GOVERNMENT, AGING SERVICES, 200 E. MAIN ST., LEXINGTON 40507

Offers senior citizens in Fayette Co. an opportunity tolearn more about local government by talking to keydecision makers, participating in class activities, andvisiting facilities. Classes typically held in June at nocost to participants. Call for more information.

ymCa239 EAST HIGH ST., (859) 254-9622381 W. LOUDEN AVE., (859) 258-96223251 BEAUMONT CENTER CIRCLE, (859) 219-9622BOURBON COUNTY YMCA (859) 987-1395CLARK COUNTY YMCA (859) 744-9622FRANKLIN COUNTY YMCA (502) 227-9637 JESSAMINE COUNTY YMCA (859) 885-5013MADISON COUNTY YMCA (859) 623-9356MERCER COUNTY YMCA (859) 734-9622SCOTT COUNTY YMCA (502) 863-4841www.ymcaofcentralky.org

Exercise classes on land and water. Fit for Life and LoHydro Aerobics are especially for seniors. Specialmembership rates for seniors. Also have specialarthritis program.

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kentucky Senior Gameswww.kentuckyseniorgames.com

All Men and Women age 50+ are eligible to participatein the Kentucky Senior Games. Held annually in Sept.(competition in five year age groups).

Lexington-fayette Urban County Government 859-288-2928PARKS AND RECREATION THERAPEUTIC PROGRAMS

545 NORTH UPPER ST., LEXINGTON 40508www.lexingtonky.gov

Recreation and leisure activities for persons of all agesand abilities.

kentucky dept. of Travel & Tourism 1-800-225-8747www.kentuckytourism.com

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aaRP 1-888-687-2277www.aarp.org

AARP’s motto, “to serve, not be served,” says it all.AARP volunteers give thousands of hours of service toa variety of causes all over the state. Come join the fun.

Best friends day Center (859) 254-5300SECOND PRESBYTERIAN CHURCH, 460 E. MAIN ST., LEXINGTON 40507

Volunteers are always needed. The program offersfamily members respite from their care giving roles.Volunteers provide friendship and assistance toparticipants as they participate in staff led activities.Volunteers needed for 3-4 hrs./week Mon. – Fri. Call(859) 258-2226.

Bluegrass SHIP Program 1-866-516-3051LEGAL AID OF THE BLUEGRASS, 498 GEORGETOWN ST., 40508www.lablaw.org/ship

The focus of the Bluegrass State Health InsuranceAssistance Program (SHIP) is to educate Medicarebeneficiaries and anyone over the age of 60 in orderfor them to make informed decisions about benefitsissues based on their circumstances and needs. TheSHIP Program has a number of volunteer positions tochoose from. Volunteers with the SHIP Program canhave a number of responsibilities including helpingeligible clients to apply for money saving benefits (e.g.Medicaid, SNAP and Extra Help benefits) and toprovide counseling on Medicare and othergovernment benefit programs.

Cardinal Hill Rehabilitation Hospital (859) 254-57012050 VERSAILLES RD., LEXINGTON 40504www.cardinalhill.orgCardinal Hill has built a reputation over the years notonly for its rehab expertise, but also for the kind andcompassionate care. Cardinal Hill provides specializedprograms for individuals needing Inpatient and SkilledRehab Services, Outpatient programs or Home HealthCare. The staff at Cardinal Hill is unmatched inexperience and training which allows us to provide toprate care to our patients and their families.

foster Grandparent Program (fGP) (859) 233-4600 or 1-800-244-2275COMMUNITY ACTION COUNCIL, P.O. BOX 11610, LEXINGTON 40576www.commaction.org

Help children learn to read, provide one-on-onetutoring, and guide children at a critical time in theirlives. Volunteerss may serve up to 40 hrs./wk. andearn a tax free hourly stipend. You’ll receive pre-service orientation, training from the organizationwhere you serve, and accident and liability insurancewhile on duty. Limited travel reimbursement.

Independent Transportation network –ITnBluegrass (859) 252-86651206 N. LIMESTONE ST., LEXINGTON 40505www.itnbluegrass.org

24/7 automobile transportation program for CentralKy. elders and visually-impaired adults living in FayetteCo. Also covers Brandon Crossing. Transportationprovided by paid and volunteer drivers. Program isbeing developed in Bourbon, Jessamine, Woodford,and Scott co’s. Membership required.

nursing Home ombudsman agency (nHoa)friendly Visitor Volunteer Program (859) 277-92151530 NICHOLASVILLE RD., LEXINGTON 40503www.ombuddy.org

Friendly visits by trained NHOA volunteers serve toenhance the lives of residents and complementcertified ombudsman work on behalf of residents.NHOA provides training and support to volunteers.Volunteers may participate in facility activities withtheir resident.

Retired and Senior Volunteer Program (RSVP) (859) 233-4600 or 1-800-244-2275COMMUNITY ACTION COUNCIL, P.O. BOX 11610, LEXINGTON 40576www.commaction.org

Pairs seniors age 55+ with organizations that need theirhelp. After an assessment of the talents and needs,matches volunteers in community services. Volunteersreceive orientation and on-the-job training for theservice of their choice. Works with over 40 nonprofitsin Fayette, Jessamine, Bourbon, Harrison and Nicholasco’s, and offers over 160 volunteer opportunities.

Volunteer opportunities

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Funeral preplanning is not a favorite topic, but absolutelyessential in total estate planning. There are over 50decisions to be made at the time of death. Decisionsneed to be made about funeral director’s services,length of visitation, type and location(s) of religiousservices, securing the clergy, cards, card verses andwriting and placement of a newspaper obituary. Choicesof burial vault, casket, cemetery plot, cemetery marker,urn, embalming and restorative or cosmetic servicesmust also be selected. Disposition of the physical bodyinvolves decisions about organ and/or body donation,burial or cremation.

The average funeral cost is $6,000. Average cemeterycosts range from $1,800 to $5,000. By preplanning, youdetermine what your costs will be by making decisionsabout plot, vault, marker, interment or mausoleum space.

Both prepaid funeral and cemetery contracts should bemade to ensure peace of mind and the honoring of one’swishes. Most certainly, a burial insurance plan should bepre-purchased before a family member begins to spenddown assets in a skilled nursing center.

There are several prefunding options available includingan insurance policy that guarantees that all costs of theservices and funeral items that you purchase will be paidfor at the time of death. All policies have built-in inflationclauses to cover the costs of those items at the time ofdeath. Check with your funeral director on what itemsare guaranteed and what is the best plan for you.

milward funeral directors (859) 252-3411159 NORTH BROADWAY, LEXINGTON391 SOUTHLAND DR., LEXINGTON1509 TRENT BLVD., LEXINGTONwww.milwardfuneral.com

Contact us today for a free Expressions advanceplanning guide and a no obligation consultation.

n3 Make at least 10 copies of the death certificate andobituary notice.

n3 If applicable, notify an attorney to file probate.

n3 It is the surviving family who either writes orprovides information for the obituary notice. In yourestate planning, consider how you or your loved onewould like to be remembered. Talk about how thenotice should read…in advance of a stressful time.

n3 If your beloved was a veteran, notify the VeteransAdministration and inquire if any benefits are due.

n3 Notify all insurance companies and send themcertified copies of the death certificate.

n3 Notify your nearest Social Security office that thebeneficiary is deceased. You may need a copy ofthe birth, marriage and/or death certificate.

n3 Transfer or cancel all bank accounts, credit cards,club memberships, etc.

PRePLannInG ReSoURCeS

PoInTS To ConSIdeR


SCoRe (859) 231-9902389 WALLER AVE., SUITE 130, LEXINGTON 40504www.lexington.score.org

Retired executives volunteer as mentors to personsinterested in starting a small business or those alreadyin a small business. Assists persons in developing andimplementing business plans. Sponsored by the SmallBusiness administration. Mentoring free of charge.

United Way of the Bluegrass Volunteer Center 2-1-1 or (859) 313-54652480 FORTUNE DR., #250, LEXINGTON 40509www.uwbg.org

Matches volunteers with meaningful opportunities inCentral Kentucky’s nonprofit organizations. As avolunteer, you can make a difference and impact yourcommunity in a positive way!

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See also Legal Advocacy and Important Documents.Living Will (See pages 27–28 for form)A Living Will tells doctors what to do when you are too sick to communicate. It can indicate when medical treatment should stop, or whether you want passivefeeding to be withdrawn. The directives are limited onlyto care which artificially or technologically postponesdeath–not comfort care. The Living Will must be signedby you, witnessed by a notary or two non-related adults,excluding your physician and nursing home advisor. At the time of determination, your attending and oneadditional physician must certify terminal condition orpermanently unconscious state.

of Special noten3 If you want food and water withheld if you are in a

permanently unconscious state, you must specificallyindicate this by both checking a box and initialing.

n3 Health care providers are required to inform you of your right to refuse or accept medical treatment.Always ask up front what the provider’s policy is inhonoring advance directives.

n3 A Living Will applies only to situations of terminalillness and permanent unconsciousness–not to those who have Alzheimer’s, have had strokes,degenerative disorders or conditions that are notimmediately life threatening.

n3 A Living Will supercedes a Designation of Health CareSurrogate with respect to life sustaining care decisions.

n3 An oral request to your physician, family member orhealth care worker revokes the signed document.

designation of Health Care SurrogateEveryone should have one! A Designation of Health CareSurrogate designates a person to make medical decisionsfor you in situations that your Living Will did not anticipatesuch as mental or physical incompetency.

To obtain a form, call:

Lexington Senior Citizens Center (859) 278-6072

Legal aid of the Bluegrass (859) 233-4556

Legal Helpline for older kentuckians 1-800-200-3633

department of aging and Independent Living(502) 564-6930

adVanCe dIReCTIVe foRmS

Legal Health Care/advance directives

b do’s and don’ts of 911dial 911 only for an emergency...Emergenciesinclude a serious medical problem, fire, a life-threatening situation or if you see a crime in progress. Ifyou must call 911, speak calmly and clearly:

• Describe the type of incident you are reporting• Describe the location of you and the emergency• Be prepared to provide a description of persons

involved in any incident• Do not hang up until the dispatcher tells you to• Follow any instructions the dispatcher gives you• Secure any dogs or pets that may interfere with

the emergency response• Gather any medications a person may be taking

do not dial 911 for a non-emergency. Take the timenow to find the numbers you might need to call in theevent of property damage, a non-life threateningaccident, theft or vandalism when the suspect is gone,panhandlers, intoxicated persons who are not disorderlyor cars blocking a street or alleys. If in doubt call 911.

fill in these helpful phone numbers. make a copyand post by your telephone or on your refrigerator.

PolicePHONE _________________________________________

SheriffPHONE _________________________________________

firePHONE _________________________________________

ambulancePHONE _________________________________________

family member/neighborNAME _____________________________________

PHONE _________________________________________

This declaration must be signed in the presence of

two witnesses or a notary public. The following

persons cannot be a witness to the declaration:

a) A blood relative who would be a beneficiary of

the declarant; or

b) A beneficiary of the declarant under descent and

distribution statutes of the Commonwealth; or

c) An employee of a health care facility in which

the declarant is a patient; or

d) An attending physician of the declarant; or

e) Any person directly financially responsible for

the declarant’s health care.

LIVInG WILL dIReCTIVe InSTRUCTIonS

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State of Kentucky Living Will Directive

———————

My wishes regarding life-prolonging treatment and artificially provided nutrition and

hydration to be provided to me if I no longer have decisional capacity, have a terminal condition,

or become permanently unconscious have been indicated by checking and initialing the

appropriate lines below. By checking and initialing the appropriate lines, I specifically:

______ Designate _______________________________________as my health care surrogate(s) to

make any health care decisions for me in accordance with this directive when I no

longer have decisional capacity. If _______________________________________refuses

or is not able to act for me, I designate _______________________________________as

my health care surrogate(s).

Any prior designation is revoked.

If I do not designate a surrogate, the following are my directions to my attending physician. If

I have designated a surrogate, my surrogate shall comply with my wishes as indicated below:

______ Direct that treatment be withheld or withdrawn, and that I be permitted to die naturally

with only the administration of medication or the performance of any medical treatment

deemed necessary to alleviate pain.

______ DO NOT authorize that life-prolonging treatment be withheld or withdrawn.

______ Authorize the withholding or withdrawal of artificially provided food, water, or other

artificially provided nourishment or fluids.

______ DO NOT authorize the withholding or withdrawal of artificially provided food, water, or

other artificially provided nourishment or fluids.

______ Authorize my surrogate, designated above, to withhold or withdraw artificially provided

nourishment or fluids, or other treatment if the surrogate determines that withholding or

withdrawing is in my best interest; but I do not mandate that withholding or

withdrawing.

In the absence of my ability to give directions regarding the use of life-prolonging treatment

and artificially provided nutrition and hydration, it is my intention that this directive shall be

honored by my attending physician, my family, and any surrogate designated pursuant to this

directive as the final expression of my legal right to refuse medical or surgical treatment and I

accept the consequences of the refusal.

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If I have been diagnosed as pregnant and that diagnosis is known to my attending physician,

this directive shall have no force or effect during the course of my pregnancy.

I understand the full import of this directive and I am emotionally and mentally competent to

make this directive.

Signed this __________ day of ____________________, 20_____.

Signature and address of the grantor:

_____________________________________________________

_____________________________________________________

In our joint presence, the grantor, who is of sound mind and eighteen years of age or older,

voluntarily dated and signed this writing or directed it to be dated and signed for the grantor.

Signature and address of witness: Signature and address of witness:

____________________________________ ___________________________________

____________________________________ ___________________________________

— OR —

State of Kentucky, _____________________________ County

Before me, the undersigned authority, came the grantor who is of sound mind and eighteen

(18) years of age, or older, and acknowledged that he voluntarily dated and signed this writing or

directed it to be dated and signed as above.

Done this __________ day of ____________________, 20_____.

Signature of Notary Public or other officer:

_____________________________________________________

Date of commission expires _______________________________

Execution of this document restricts withholding and withdrawing of some medical

procedures. Consult Kentucky Revised Statutes or your attorney.

Crisis, MentalHealth & CaregiverSupport ServicesHandy forms and guides in this section:

Protection Against Scam Artists:Helpful Numbers . . . . . . . . . . . . . . . . .29

Dementia Checklist . . . . . . . . . . . . . . . . .38

Please support our advertisers for making this guide possible. Tell them yousaw it in Pathways.


Caregivers have the right to:• Receive sufficient training in care giving skills along

with accurate, understandable information about thecondition and needs of the care recipient.

• Appreciation and emotional support for theirdecision to accept the challenge of providing care.

• Protect their assets and financial future withoutsevering their relationship with the care receiver.

• Respite care during emergencies and in order tocare for their own health, spirit, and relationships.

• Expect all family members, both men and women,to participate in the care for aging relatives.

• Provide care at home as long as physically,financially and emotionally feasible; however, whenit is no longer feasible caregivers have theobligation to explore other alternatives, such as aresidential care facility.

• Temporarily alter their premises as necessary toprovide safe and livable housing for care receivers.

• Accessible and culturally appropriate services to aidin caring for aging care receivers.

• Expect professionals, within their area ofspecialization, to recognize the importance ofpalliative (ease without curing) care and to beknowledgeable about concerns and options relatedto older people and caregivers.

• A sensitive, supportive response by employers indealing with the unexpected or severe care needs.From www.acsu.buffalo.edu/~drstall/hndbk3.html

Caregiver’s Bill of Rights

Better Business Bureau of Central & Eastern Kentucky: . . . . .(859) 259-1008 or 1-800-866-6668

Kentucky Attorney General Consumer Protection Hotline . . . . . . .1-888-432-9257 or (502) 696-5300

Kentucky Division of Aging Services .(502) 564-6930Kentucky State Police . . . . . . . . . . . .(502) 695-6300Kentucky Public Service Comm. . . . .1-800-772-4636U.S. Postal Inspection Service . . . . .1-877-876-2455Home Improvement Scams . . . . . . . .(502) 696-5389Sweepstakes

Scams . . . . . . .(502) 696-5389 or 1-888-432-9257Telemarketing Scams . . . . . . . . . . . .1-866-877-7867

How to reach representatives at the stategovernment regarding specific topics:

Attorney General’s Office . . . . . . . . .1-888-432-9257Charities . . . . . . . . . . . . . . . . . . . . . . .(502) 696-5389Election Fraud . . . . . . . . . . . . . . . . . .1-800-328-8683Identity Theft . . . . . . . . . . . . . . . . . . .1-800-804-7556Questions About Insurance . . . . . . . .1-800-595-6053Dept. of Criminal Investigations . . . . .(866) 524-3672Medicaid Benefits

Services . . . . . .(502) 564-8196 or 1-800-635-2570Medicaid and Welfare Fraud

and Abuse . . . .1-800-372-2970 or 1-877-228-7384Medicare Benefits Services . . . . . . .1-800-999-7608Seniors Crime College . . . . . . . . . . . .(502) 696-5389Social Security . . . . . . . . . . . . . . . . .1-800-772-1213Victims’ Advocacy . . . . . . . . . . . . . . .1-800-372-2551

To have your name removed from telemarketerscalling lists...Call the: Federal Trade Commission . . . . . . . .1-888-382-1222

or write: Office of Attorney GeneralOffice of Consumer ProtectionCapital, Ste. 118, 700 Capital Ave.,Frankfort, KY 40601-8204Tel.: (502) 696-5300Web: http://www.ag.ky.gov

b Protection Against ScamArtists: Helpful Numbers


Some examples of Elder Abuse include:Physical abuse—slapping, shoving, over-medication,confinement.Emotional abuse—intimidation, humiliation, verbal assault.Neglect—lack of food, clothing or a clean, safe place to live.Exploitation—unusual bank withdrawals, change inpower of attorney or in legal matters, lack of personalbelongings, different signatures on checks.

Adult Protective Services (502) 564-7043ABUSE INTAKE LINE: 1-800-752-6200CABINET FOR HEALTH AND FAMILY SERVICES

chfs.ky.gov/dcbs/dpp/adult+safety+branch.htmProvides investigation of spouse abuse and supportiveservices for abused/neglected or exploited olderadults. Kentucky law requires you to report suspectedcases of adult abuse, neglect, or exploitation. Alsoreport adults if you have a concern about theirwelfare, safety, or ability to care for themselves.

Bluegrass Domestic Violence Program (859) 233-065724 HOUR CONFIDENTIAL CRISIS LINE 1-800-544-2022www.beyondtheviolence.org/

Advocacy agency committed to ending partner abuseand its impact on families and our community.Provides a comprehensive, holistic approach tomeeting the needs of victims as they strive to findhealing and rebuild their lives as survivors. 24-Hourcrisis intervention, emergency shelter, outreach andadvocacy, and community education and professionaltraining.

National Alliance for the Mentally Ill (NAMI)LEXINGTON AFFILIATE (859) 272-7891WINCHESTER AFFILIATE (859) 556-1895DANVILLE AFFILIATE (859) 236-3970www.nami.org

NAMI is an organization designed to assist families,caregivers, and individuals whose life experienceincludes living with a persistent mental illness. Theyalso help persons with mental illness acquire and useavailable supports and skills necessary to manage theirsymptoms and successfully return to the environmentof their choice.

Bluegrass Rape Crisis Center (859) 253-261524 HOUR TOLL-FREE 1-800-656-HOPE (4673)P.O. BOX 1603, LEXINGTON 40588www.bluegrassrapecrisis.org

Provides comprehensive services to all victims andawareness education to the community. Officeslocated in Lexington, Danville, Frankfort, Georgetown,Nicholasville, Richmond, and Winchester.

Salvation Army Emergency Shelter (859) 252-7706736 WEST MAIN ST., LEXINGTON 40508

See, Senior Centers for counties other than Fayette

Cabinet for Health and Family Services (502) 564-3703DEPARTMENT FOR COMMUNITY BASED SERVICES, 275 E. MAIN ST., 3W-A, FRANKFORT 40621chfs.ky.gov/dcbs

Food stamps enable families and individuals tosupplement their food budgets. The allotments arebased on the Department of Agriculture’s definition of aminimal substance diet. Stamps are issued monthly andused in grocery stores just like money to purchase fooditems. Food stamps are issued in the form of debit cards.

God’s Pantry Food Bank (859) 288-5332 or (859) 255-65921685 JAGGIE FOX WAY, LEXINGTON 40511

Emergency Food Box Program.Provides Fayette County residents a 7-day supply offood. Those in need of assistance must be referred byan approved social service agency and may pick uptheir food at one of five local food pantries. Low-income households may receive emergency food fourtimes in a six month period. Call for locations andhours of operations.Some agencies that may refer to God’s PantryEmergency Food Box ProgramLexington Senior Citizens Center (859) 278-6072Community Action Council (859) 233-4600Food Stamp Office (859) 246-2070LFUCG Adult & Tenant Services (859) 258-3810 or (859) 358-3811Cardinal Valley Center (Spanish speaking) (859) 246-4350USDA Commodities (TEFAP).Fayette Co. residents may pick up USDA commodities(TEFAP) at any food pantry once a month on a walk-inbasis. They must be low income households. Eachpantry has the USDA eligibility guidelines and aregister for signatures. Call for more information onthe Emergency Food Box or TEFAP programs.Commodity Supplemental Food Program. The CSFP program provides a monthly distribution ofcommodities to eligible seniors and woman, infants,and children in Fayette County. Seniors must be age60+, live in Fayette County, and meet incomeguidelines. Most distribution sites have a waiting list.Call for more information.

EMERGENCy FOOD AND ClOTHING

CRISIS INTERVENTION

EMERGENCy SHElTER

Social Services and Emergency Assistance

SUPPORT SERVICES

Hope CenterRECOVERY PROGRAM FOR MEN (859) 225-4673150 WEST LOUDON AVE., LEXINGTON 40508RECOVERY PROGRAM FOR WOMEN (859) 252-20021524 VERSAILES RD., LEXINGTON 40504

Life sustaining/life building services for homeless. Callfor programs and meal times.

Salvation Army (859) 252-7706736 WEST MAIN ST., LEXINGTON 40508

Provides crisis counseling as well as emergency food,shelter, and clothing.

Second Glance (859) 276-4456, ext. 2231364 DAVENPORT DR., LEXINGTON 40504

Household goods, clothing and appliances, all used,are available. Furniture may be available.

Health Kentucky (502) 227-3158HOTLINE 1-800-633-8100140 CONSUMER LN., FRANKFORT 40601www.healthkentucky.org

Helps needy Kentuckians, 18- 64 years old, obtainaccess to quality health care. Kentucky Physicians Carehelps Kentuckians with low income below the FederalPoverty level who are uninsured find access to non-emergency quality health care. Kentucky PharmacyProviders provides free medications to eligible persons.

University of Kentucky Student-Run Free Clinic (859) 252-7706SALVATION ARMY, W. ARNOLD HANGER LODGE

736 W. MAIN STREET, LEXINGTON 40508www.mc.uky.edu/saclinic/

Provides free healthcare, education and social servicereferrals to underserved residents of Central Kentucky.Tues. and Thurs., 4:30 – 8:30 P.M. Anyone eligible, butonly first 8 people each day can be assisted.

lexington–Fayette Co. Health Dept. (859) 252-2371PUBLIC HEALTH CLINIC NORTH (859) 288-2483PUBLIC HEALTH CLINIC SOUTH (859) 899-5201CLINIC APPOINTMENTS (859) 288-2307HEALTH CARE SERVICES FOR THE HOMELESS (859) 288-2334 650 NEWTOWN PIKE, LEXINGTON 40508www.lexingtonhealthdepartment.org

Numerous service sites throughout Lexington andprovides an array of services.

Mission lexington MEDICAL CLINIC (859) 272-0219230 S. MARTIN LUTHER KING BLVD., LEXINGTON 40508DENTAL CLINIC (859) 519-8157216 S. LIMESTONE, LEXINGTON 40507www.missionlexington.org

Clinic for uninsured working adults without insurance,185% of federal poverty level, who live in Fayette Co.

Nathaniel Mission (859) 255-0062616 DE RODE ST, LEXINGTON 40508www.nathanielmission.org

Provides health services to those without healthinsurance or government assistance that live in Fayette County.

Refugee Ministries Medical Clinics (859) 225-4325210 EAST WALNUT STREET, NICHOLASVILLE 40356525 CORRAL ST., LEXINGTON 40508www.refugeministriesky.org/

For Jessamine Co. and a defined geographic area ofFayette Co. who do not have health insurance andmeet federal poverty guidelines. All people are servedregardless of their status.

Saint Joseph’s Free Health Clinic (859) 313-45551401 HARRODSBURG RD., B370, LEXINGTON 40504

Primary health care services, examinations, patientcounseling & education. Must be without healthinsurance or a medical card. Call for times.

Low Income Home Energy Assistance Plan (LIHEAP)helps low income people pay heating bills. Individualincome must not exceed $960/mo. in gross income(Subject to change). Additional programs may exist ifcounty funding available.

Community Action Council 1-800-244-2275LEXINGTON (859) 233-4600P.O. BOX 11610, LEXINGTON 40576www.commaction.org

One-time annual financial payment toward utility billsduring the winter months. Must have income at or below130% of federal poverty guidelines. During the summer,air conditioners are loaned to individuals needing cool aircirculation to ease severe health conditions. You musthave an income at or below 150% of the federal povertyguidelines and have a household member that suffers froma health condition aggravated by high temperatures. Referto local Community action agency in your County.

INDIGENT HEAlTH CARE

UTIlITIES ASSISTANCE

SUPP

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SUPPORT SERVICES

lexington Humane Society (859) 233-00441600 OLD FRANKFORT PIKE, LEXINGTON 40504www.lexingtonhumanesociety.org

Greetings from the White House (202) 456-1414FAX: (202) 456-2461OFFICE OF THE PRESIDENT, WHITE HOUSE, RM. 39,1600 PENNSYLVANIA AVE., WASHINGTON, D.C. 20502-0039www.whitehouse.gov/contact

The President will send a card to anyone celebratingtheir 80th or later birthday and to couples celebratingtheir 50th anniversary. A 60-day advance notice of theevent is required. Letter of request should includeperson’s name(s), address, age and date of birth, andthe number of years married. A fax or email isrecommended.

The Today Show (202) 885-5018For persons 100+, send photograph, name, address,birth date and short description about the person atleast three months in advance. Call to hear a recordingabout how persons are chosen to be congratulated onthe air. Willard will also send a personal note to allthose not mentioned. Also include name, address andphone number of person sending the information.

Here are some thoughts to help you cope with thedeath of a loved one...• Recognize that other people care but might be

uncomfortable and don't know what to say to you. Be assertive and help them remember the good times they too shared with your loved one.

• Ask for and accept help. Recognize that anger, sadness, loneliness and fear are okay feelings. Your friends and family want to help, but you must let them.

• Use this time of change to rid yourself of everything in your life that doesn't work for you. Don't do anythingout of a sense of obligation if it does not feel good toyou.

• Give yourself permission to grieve and talk about yourloss, your love, happy times and memories.

• Be very cautious about major financial and lifestylechanges, many experts advise waiting at least a yearbefore selling your house.

Check with your local funeral director, place of worshipor a hospice organization in your area for a supportgroup that will let you share your feelings and problemswith those who share your concerns.

United Way 2-1-1 Information and Referral Call Center (859) 313-lINK (5465) or Dial 2-1-12480 FORTUNE DR., SUITE 250, LEXINGTON 40509www.uwbg.org

Bereavement services for family and friends.

Hospice of the Bluegrass (859) 276-5344 or 1-800-876-60052312 ALEXANDRIA DR., LEXINGTON, 40504www.hospicebg.org

Services are provided to anyone in the communitywho has experienced a loss.

PET COMPANIONSHIP BEREAVEMENT/WIDOW SUPPORT

BIRTHDAy AND ANNIVERSARy GREETINGS

Companionship


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ACCESS (859) 272-74833161 CUSTER DR., SUITE 4, LEXINGTON 40517www.bluegrass.org/

Part of the Bluegrass Mental Health-Mental RetardationBoard, Inc. Provides case management services tochildren and adults with mental retardation and/ordevelopmental disabilities. Referrals to communityresources and agencies as well as client advocacy.

The Bluegrass Domestic Violence Program (859) 233-0657TOLL FREE CRISIS LINE 1-800-544-2022P.O. BOX 55190, LEXINGTON 40555

Provides individuals and their dependent childrenwho have experienced domestic violence with atemporary housing arrangement. Outreach counselingto non-residents of the shelter. An advocate isavailable to those hospitalized by family violence, andto those involved in legal action because of familyviolence. The crisis line is staffed 24 hours/day, 7days/ week to provide support, appropriate referralsas well as other emergency services to those who haveexperienced physical or emotional abuse by a partner.

Bluegrass Rape Crisis Center (859) 253-2615Crisis Line (859) 253-2511 or 1-800-656-HOPE (4673)P.O. BOX 1603, LEXINGTON 40588www.bluegrassrapecrisis.org

Serves a 17 county area with a full-range of services,including a 24-hour crisis line, medical advocacy, legaladvocacy, crisis counseling, long term psychotherapy,consultation, and education. All services are free.

Bluegrass.org (859) 253-273724 HOUR CRISIS LINE 1-800-928-80001351 NEWTOWN PIKE, LEXINGTON 40511www.bluegrass.org

Assists individuals and families enhance their emotional,mental and physical well being by providing mentalhealth, mental retardation/ developmental disabilitiesand substance abuse services. Operates ComprehensiveCare Centers. The centers are where outpatient mentalhealth, mental retardation and substance abuse servicesare offered. A crisis stabilization center is available forshort term crisis intervention for adults with severeand persistent mental illness. (859) 246-7201.

Catholic Charities (859) 253-1993EMERGENCY ASSISTANCE (TUES., 9 A.M.-12 P.M.) (859) 253-33391310 W. MAIN ST., LEXINGTON 40508www.catholiccharities/lexington.org

Individual, family, and group counseling to people of allreligious denominations. Limited financial assistance.Sliding fee for counseling. Free emergency services.

Central Kentucky Behavioral Health (859) 219-28221055 WELLINGTON WAY, STE. 110, LEXINGTON 40513

We realize that the health and well being of clients mustinclude the mental and psychological aspects of health.In our fast paced day-to-day life, we realize that individualstressors can become problematic for one’s overallgeneral health. The clinic at CKBH provides nationallycertified psychiatric nurse practitioners and psychiatriststo address and treat personal issues in a caring andrespectful manner. Both children and adults can benefitfrom our integrated services and our way of caring.

Charles J. Schwartz Chemical Dependency Center (859) 246-7282627 W. FOURTH ST., LEXINGTON 40508

Individualized residential treatment program forpeople with problems related to alcohol or drug abuse.

Family Counseling Services (859) 233-00332432 REGENCY RD., STE. 120, LEXINGTON 40503

Counseling services to individuals, couples, and familiesto help with problems such as stress, depression, andfamily conflicts. Based on gross income of household.

Jewish Family Services (JFS) (859) 269-82441050 CHINOE RD., SUITE 112, LEXINGTON 40502www.jewishlexington.org

Services primarily focused on the Central KentuckyJewish community. Services include assessments,crisis intervention, case management, supportivecounseling, advocacy, referrals to communityresources and family life education.

Mary McBrayer, licensed Clinical Social Worker (lCSW) (859) 233-3390, or (859) 233-3141520 E. MAXWELL ST., LEXINGTON 40502

Individual, couple, and family counseling to help mid-lifers, baby boomers, and elders relieve depression.

National Alliance for the Mentally Ill (NAMI)LEXINGTON AFFILIATE (859) 272-7891WINCHESTER AFFILIATE (859) 556-1895DANVILLE AFFILIATE (859) 236-3970www.nami.org

Assists families, caregivers, and individuals whose lifeexperience includes living with a persistent mentalillness. Helps persons with mental illness acquire anduse available supports and skills necessary to managetheir symptoms and successfully return to theenvironment of their choice.

Family Support Services/Mental Health Counseling

SUPPORT SERVICES


Many older people experience multiple medicalproblems, frequent falls, memory and functionalproblems. Outpatient evaluations help determine thestrengths of the patient as well as the problems so thatresources can be identified and used to promote asmuch independence, safety, and lifestyle satisfaction aspossible. Upon completion of assessment, a coordinatedplan of action intervention is provided. Medicare maycover a portion of the costs.

An Assessment Generally Includes:• Examination of prior medical records• A complete physical• Family involvement• Multi-disciplinary evaluations

Multi-disciplinary Evaluations Done by:Geriatric Care Managers

Licensed professionals who assist with health issues,transitions to appropriate levels of care, and obtainingservices and referrals.

Geriatric Social Workersto aid in family counseling, and the identification andreferral to available community resources such ashome care, respite and transportation. Care planningand referral to other living arrangements.

GeropsychiatristsPhysicians who are specialists in the psychologicalneeds of older adults.

Geriatric Medical SpecialistsSpecialists in unique problems of the elderly includingmemory loss, incontinence and falling.

Related Health Care and Prevention ProfessionalsPhysical therapists, nutritional and occupationaltherapists and counselors who offer specific diseasesupport and diagnostic lab tests including x-rays andvision and hearing evaluations.

Indicators That Are Especially Appropriate forReferrals:• Functional/Activities of Daily Living impairment • Caregiver/family stress• Confusion/memory impairment• Depression, loneliness• History of frequent falls, marked weakness• Malnutrition or eating problems, incontinence• Repetitive emergency room visits/hospital admissions

Geriatric Assessment

New Beginnings, Bluegrass (859) 245-24003131 CUSTER DR., SUITE 9, LEXINGTON 40517bdgreg.com/newbegin

Maintains a continuum of housing opportunities forindependent, supportive and supervised housing foradults who have serious mental illnesses. Eligibilitydetermined through an application and screening process.

Psychiatry Outpatient Clinic (859) 323-6021UK MEDICAL CENTER, 245 FOUNTAIN CT., LEXINGTON 40509

Comprehensive psychological services. All outpatientservices by appointment. Emergency care available.

Gary C. Stewart, Ph. D., licensed Psychologist (859) 252-2616436 WEST SECOND ST., LEXINGTON 40508

Personal counseling for older adults and families.

The Nest, the Center for Women, Children and Families (859) 259-1974530 NORTH LIMESTONE ST., LEXINGTON 40508www.thenestlexington.org

Domestic violence counseling. Group, respite, childrenand crisis case management. Crisis counselor and socialworker on staff. M-F, 9 A.M. – 5 P.M. Most services free.

University of Kentucky Family Center (859) 257-7755205 SCOVELL HALL, LEXINGTON 40506

Therapists work under UK faculty supervision. Allfaculty are licensed marriage and family therapists.Sliding scale fee based on family income.

Vet Center (859) 253-0717 or (859) 281-49001500 LEESTOWN RD., STE. 104, LEXINGTON 40511

Readjustment counseling for all combat veterans.Counseling also available for male and female veteranswho experienced sexual trauma while in the military.Works with the Veterans Admin. regarding benefits.

Care managers are licensed professionals who provideoversight of services for an older adult. They assess theneeds of the client and arrange for medical, social,mental health, housing and other services. Services canrange from finding someone to do household chores tohelping a family find appropriate nursing homeplacement. An individualized care plan is developed toachieve safety, comfort and well-being of the older adult.Care management fees are privately paid. Medicare orMedicaid may cover some medical and skilled nursingcosts.

Elder Care Ease (859) 684-1321

Healthy Aging Solutions (859) 263-36206020 DAMAR CT., LEXINGTON 40515

ParentCare Ky (859) 252-0817337 EAST HIGH ST., LEXINGTON 40507

GERIATRIC CARE MANAGERS


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Adult Day Services/ Social ModelAttendance can often provide a bridge for personswishing to remain at home, but needing supervisedactivities, socialization and meals.

Adult Day Care/Health Model/Day TreatmentAttendance is appropriate for an older adult also needingassistance with medications, physical therapy and somepersonal care. Fees in listings are as of November, 2007.Transportation is usually an additional charge.

Respite is designed to ease the burden on families whoprovide care for one needing extensive physical, mentaland medical help. It results in reduced institutionalizationof a patient and reduced stress for the family. Someassisted living and nursing homes, adult day care centersand senior centers offer short-term care outside thehome. Most home health care agencies provide qualifiednursing care and companionship inside the home.

Adult day programs provide adults who cannot functionindependently an opportunity for supervision, socialinteraction, and meaningful activity. Adult day programsare defined as social or medical models of care; medicalmodels offer supervised medical care in addition to socialactivities and meals. Hours are generally Monday – Friday,7:30-5:30, with some programming available on Saturday.

Some questions to keep in mind when searching forthe day center that meets your needs include thefollowing:n3 Is there a sliding fee scale? Are there additional fees

not covered in the regular program costs?n3 Is there transportation available to and from the site?

Is there an extra charge?n3 Is there after-hours respite care available? What is

the cost?n3 How many volunteers are there?n3 Is there individualized programming and one-on-one

activities? Do the activities accommodate personalpreferences? Are they adult in nature?

n3 What is the quality of meals and snacks?

n3 When appropriate, are participants encouraged to goto the bathroom? What is the toileting schedule?

n3 What are the programs’ emergency procedures?

n3 What is the mission statement and philosophy? How isthe mission statement carried out in daily programming?

n3 Are there group activities and outings? Are theactivities age appropriate?

n BlUEGRASS AREA DAy CARE CENTERSAnderson County Adult Day Center (502) 839-3749160 TOWNSHIP SQUARE, LAWRENCEBURG 40342

Boyle County Adult Day Center (859) 236-2070 569 JEAN DR., DANVILLE 40422

Active Day99 C. MICHAEL DAVENPORT DR., FRANKFORT 40601 (502) 875-7555100 ST. LUKE PLACE, GEORGETOWN 40324 (502) 863-79002432 REGENCY RD., LEXINGTON 40503 (859) 278-2053928 COMMERCIAL DRIVE, SUITE 2, RICHMOND 40475 (859) 625-9977

Cardinal Hill Adult Day Health (859) 367-71782050 VERSAILLES RD., LEXINGTON 40504

Cardinal Hill has built a reputation over the years notonly for its rehab expertise, but also for the kind andcompassionate care. Cardinal Hill provides specializedprograms for individuals needing Inpatient and SkilledRehab Services, Outpatient programs or Home HealthCare. The staff at Cardinal Hill is unmatched inexperience and training which allows us to provide toprate care to our patients and their families.

Christian Care Communities Adult Day Center (859) 254-5300516 MARYLAND AVE., LEXINGTON 40508

Franklin County Council on Aging Adult Day Center (502) 223-5794202 MEDICAL HEIGHTS DR., FRANKFORT 40601

Garrard County Adult Day Center (859) 792-6603153 FARRA DRIVE, LANCASTER 40444

Harrison Co. Adult Day Health Care (859) 234-8110 216 OLD LAIR ROAD, CYNTHIANA 41031

Horizon Adult Health Care178 BROADWAY STREET, IRVINE 40336 (606) 726-01971621 FOXHAVEN DR., RICHMOND 40475 (859) 626-5226

Jessamine Adult Day Program (859) 887-2208111 HOOVER DR., NICHOLASVILLE 40356

Joseph Allen Adult Day Health (859) 987-00652000 MAIN ST., PARIS 40361

Mercer County Adult Day Care (859) 734-51871475 LOUISVILLE RD., HARRODSBURG 40330

Powell Adult Day (606) 663-0794176 TWELFTH ST., CLAY CITY 40312

Quest Adult Day Care (606) 365-3773619 DANVILLE AVE., STANFORD 40484

Woodford County Adult Day Care (859) 873-6871285 BEASLEY DR., VERSAILLES 40383

ADUlT DAy SERVICES/RESPITE

Adult Day Services & Respite Care

SUPPORT SERVICES


Bluegrass Area Agency on Aging & Independent living 1-866-665-7921699 PERIMETER DR., LEXINGTON 40517www.bgaaail.org

The Area Agency on Aging & Independent Living is acentral point for information about senior centers,adult day care, the National Family Caregiver SupportProgram, the Kentucky Family Caregiver Program,Homecare, the Consumer Directed Option/Home andCommunity Based Waiver, and other services in the17 counties that comprise the Bluegrass AreaDevelopment District.

Department of Aging and Independent living (502) 564-6930275 E. MAIN ST., 3E-E, FRANKFORT 40621chfs.ky.gov/dail/

Administers the National Family Caregiver SupportProgram, Kentucky Family Caregiver Program, andother statewide programs. Call for information onprograms in other states.

National Family Caregiver Support ProgramThe National Family Caregiver Support Programprovides family caregivers with information andservices to improve their quality of life, as well as thelife of the care recipient. This program assists adultswho care for a family member age 60+, or 55+ if theindividual has been diagnosed with Alzheimer’s Disease-

related dementia. It also serves grandparents and relativecaregivers age 55+ who are the primary caregivers forchildren age 18 and younger. Services include:• Information about local services and assistance in

obtaining needed services.• Caregiver education and information about support

groups and counseling • Respite care to provide temporary relief from the

responsibilities of full-time caregiving.• Other services to supplement the care being

provided, determined on a case-by-case basis.

CAREGIVER RESOURCES

Caregiver Support and Resources

Alzheimer’s Disease...is a form of dementia that is aprogressive, degenerative and incurable disease thatattacks brain cells, resulting in impaired memory, thinkingand behavior. It is not a natural consequence of aging.

Dementia...is the loss of intellectual functions (such asmemory deficit or confusion) which are required for dailyliving. Many conditions cause or mimic dementia, includingdepression, tumors, drug reactions, nutritional deficienciesand degenerative physiological diseases. Geriatricassessment can help determine cause and suggesttreatment that can improve or reverse behavior patterns.

Baptist Neurology Center - Memory Care Clinic (859) 260-43302101 NICHOLASVILLE RD., STE. 204, LEXINGTON 40503

Department of Aging and Independent living (502) 564-6930CABINET FOR HEALTH AND FAMILY SERVICES

275 E. MAIN ST., FLOOR 3W-F, FRANKFORT 40621chfs.ky.gov/dail/

Administers the Alzheimer’s Respite Programs in thestate, and the National Family Caregiver Support Program.

Alzheimer’s Association (502) 451-4266HELPLINE 1-800-272-3900GREATER KENTUCKY & SOUTHERN INDIANA CHAPTER

465 E. HIGH ST., STE. 200, LEXINGTON 40507www.alz.org/kyin

Provides 24- hour Helpline, support groups, the MedicAlert + Safe Return® program, educational materialsand programs.

Alzheimer’s Disease Center (859) 323-6040SANDERS-BROWN CENTER ON AGING, UNIVERSITY OF KENTUCKY

RM. 101 SANDERS-BROWN BUILDING, 800 SOUTH LIMESTONE ST., LEXINGTON 40536www.mc.uky.edu/coa

One of 29 national research centers funded by theNational Institute on Aging. Research opportunities,educational programs and information to families,health care providers, and the community at large.

Alzheimer’s Disease/Dementia

1. Plan Ahead.2. Learn about valuable resources.3. Take one day at a time.4. Develop contingency plans.5. Accept help.6. Make YOUR health a priority.7. Get enough rest and eat properly.8. Make time for leisure.9. Be good to yourself!10. Share your feelings with others.Provided by the U.S. Dept. of Health and Human Svcs.

Caregiver Survival Tips

Bluegrass Area Agency on Aging & Independent living 1-866-665-7921699 PERIMETER DRIVE, LEXINGTON 40517www.bgaaail.orgKentucky Family Caregiver Program

Assists Kentucky grandparents of any age who are theprimary caregiver of grandchildren under the age of18 that are related by birth or marriage. The child’sparents must not live in the grandparents home. Thegrandparents cannot receive a state Kinship Carepayment and their income may not exceed 150% ofthe federal poverty level to be eligible for the program.Assistance can be given for clothing, respite, educationalsupplies, and other authorized expenditures. Call thenumber above for more information or to receive anapplication for this statewide program.

National Family Caregiver Support ProgramSee description above.

Handbook for Kentucky Grandparents and Other Relative Caregivers

Handbook developed by The Access to JusticeFoundation Legal Helpline for Older Kentuckians andthe Bluegrass Area Development District to assistgrandparents with answers to question arising frombeing primary caregivers for grandchildren. Coverssuch topics as Legal Issues of custody, visitation, deFacto Custodian, Foster Care, Guardianship andAdoption. List resources for financial assistance suchas applying for social security, food stamps andspecialized healthcare programs.

AARP GrandCare Support Center (202) 434-2296601 E STREET, NW, WASHINGTON, DC 20049www.giclocalsupport.org

KinCare Program - Department for Aging andIndependent living (502) 564-6930275 E. MAIN ST., 3E, FRANKFORT 40621chfs.ky.gov/dail/kincare.htm

GRANDPARENTS/RElATIVES RAISINGGRANDCHIlDREN


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Whatever your degree of involvement as a caregiver,it is important to prepare for the future by taking thefollowing steps:Plan for future needs.Educate yourself about the disease or disability andabout care giving.Support is critical to your well-being. Seek it, arrangeit and plan it.

Plan for future needs by getting affairs in order.Legal and financial planning is a way of relievingfuture stress. As a caregiver, you may need toassume responsibility for overseeing business orlegal affairs and making health care decisions foryour loved one. An attorney can advise you aboutPowers of Attorney, living wills and other documents.

Educate yourself about your loved one’sillness(s), disease, or condition. Learn abouttreatment options, disease progression and careneeds. Knowledge will help you know what to expectin the future and how to manage today.

Build a strong support system for yourself anduse it regularly. Isolation is a direct consequence oflong term caregiving. As the demands of caring foryour loved one increase and social and leisure timebecome limited, caregivers risk losing support forthemselves. It is essential to have someone to talk towho will listen unconditionally and offer support.

Tips for Caregivers and Their Families

SUPPORT SERVICES


The following are behaviors often observed in people with varying degrees of dementia. Pleasecheck the column which indicates how often your relative displays each one.

SyMPTOMS Never Occurred Sometimes Frequently Daily(1-2x week) (3-6x week)

1. Wandering2. Getting Lost3. Asking the same questions

over and over again4. Being suspicious or accusative5. Losing or misplacing things6. Not recognizing familiar people7. Forgetting what day it is8. Hiding things (money, jewelry, etc.)9. Starting but not finishing things10. Destroying property11. Doing things that embarrass you12. Being constantly restless13. Being constantly lethargic14. Being constantly talkative15. Talking little or not at all16. Waking you up at night17. Engaging in behavior that is potentially

dangerous to others or self18. Reliving situations from the past19. Fearful of water

- of strangers- of sounds

20. Seeing or hearing things that are notthere (hallucinations or illusions)

Other behaviors not listed ______________________________________________________________________________________________________________________________________________________________________________________________

b Dementia Checklist

Social Security,Medicare, Medicaid& Medical InsuranceHandy forms and guides in this section:Prescription Drug Coverage . . . . . . . . . .39

Quick Summary of 2013

Medicare Benefits . . . . . . . . . . . . . . . . .45

Toll Free Phone Numbers . . . . . . . . . . . .46


Social Security, Medicare and MedicaidResourcesKentucky Health Solutions . . . . . . . . . . . .41

Please support our advertisers for making this guide possible. Tell themyou saw it in Pathways.

Your Medicareclaim number is usually your SocialSecurity number (SSN) followed by the letter A. Ifyou are covered under a spouse’s SSN, the claimnumber will be your spouse’s SSN followed by theletter B. The letter D follows a SSN if coverage isprovided through a deceased spouse.

This is misleading and beneficiaries often thinkthey only have Part A or Part B coverage becauseof the letter following the Medicare number.The type of coverage is listed on your card as“Hospital (Part A)” and/or “Medical (Part B)”followed by an effective date.

392013 Edition Pathways - Information for Older Adults

Prescription Drug Plan in 2013Prescription drug benefits continue in 2013. Allpeople with Medicare are able to enroll in plansthat cover prescription drugs. Plans vary, but ingeneral, this is how they work:

n3 There may be a $325 deductible and 25% co-payon prescriptions costs between $325 – $2,970.

n3 After drug costs have reached $2,970beneficiaries will pay 79% of generic and 50%of brand name drug costs (50% discount onbrand names, 21% discount on generics) up to$6,733.75 (the “donut hole”) at which timeMedicare will pay 95% of the costs above andbeyond. This amounts to paying $4,750 out ofpocket before Medicare will pay about 95%.However, Part D enrollees will receive a 52.5%discount on the total cost of their brand-namedrugs while in the donut hole.

n3 Additional help will be available for people withlow income. If they qualify, it is possible thatthey would have no premium, no deductibleand only a small co-pay on their prescriptions.

Questions about Medicare?For the latest information about Medicare, visitwww.medicare.gov or call:1-800-MEDICARE (1-800-633-4227). TTY usersshould call 1-877-486-2048.To get a copy of this information in Spanish, call 1-800-MEDICARE (1-800-633-4227).TTY users should call 1-877-486-2048.or call your local Area Agency on Aging

b Prescription Drug Coverage

Starting in 2014, most Americans will be required tohave health insurance. Kynect will allow you tocompare and select insurance plans and find out ifyou qualify for programs like Medicaid or KCHIP. Byusing kynect, you may receive payment assistance,special discounts or tax credits to help cover the costsof coverage. Open enrollment is Oct. 1, 2013 throughMarch 31, 2014 with coverage beginning as soon asJan. 2014.

For more information, contact Kynect – Kentucky’sHealthcare Connection, at 1-855-4KYNECT or 1-855-459-6328 (Hotline opens Aug. 15), or online atKynect.ky.gov

HEALTH BENEFIT EXCHANGE


MEDICAL INSURANCE

MAIN NUMBER 1-800-772-1213LEXINGTON OFFICE 1-866-530-7754, TTY (859) 294-57532241 BUENA VISTA RD., STE. 110, LEXINGTON 40505DANVILLE OFFICE 1-877-512-3850, TTY (859) 238-7668103 BELINDA RD., DANVILLE 40422FRANKFORT OFFICE 1-866-964-1724, TTY (502) 226-4519140 FLYNN AVE., FRANKFORT 40604RICHMOND OFFICE 1-866-838-8945, TTY (859) 624-38701060 GIBSON BAY DR., RICHMOND 40475M–F, 9 A.M.–4 P.M. www.socialsecurity.gov

To apply: You should apply three months before youwant benefits to begin. You can file over the Internet,over the telephone or at an office. Call to schedule anappointment; walk-ins are welcome. You must present anoriginal or certified birth certificate, W-2 form or end-of-year pay stub (if available), proof of military service,marriage certificate or divorce decree, bank routingnumber and account number for direct deposit. Alldocuments will be returned.

Social Security is the nation’s largest financial assistanceprogram for the elderly. The program funds the followingbenefits: Disability Benefits, Medicare, Retirement Benefitsand Survivors Insurance.

Medicare is a federal health insurance program forpeople age 65+ as well as certain disabled individuals.There are three parts to Medicare. Part A is hospital insurance, which helps pay for care ina hospital and skilled nursing facility, home health careand hospice care. Part B is supplemental medical insurance, the outpatientarm of Medicare, which helps pay for doctors, outpatienthospital care and other medical services. Part D is the Prescription Drug plan. Most people do not have to pay for Medicare Part A.Part B is optional with a 2013 premium of $104.90. Ifyou do not want Part B you must decline it. Otherwisethe premium will be automatically deducted from yourmonthly check. If you are not covered under anemployer health insurance plan at age 65, you shouldenroll in Part B during a 7-month enrollment period. Ifyou delay enrolling and are not covered by an employerhealth insurance plan, you willpay a 10 percent penalty onyour premium for every yearyou delayed enrolling in Part B.

Survivors Benefits are payable to qualified widow(er)s anddependent children of a worker who died and is insured forSocial Security benefits. Survivors benefits are intendedto replace, in part, income that is lost due to the worker’sdeath. Widow(er)s may receive survivors benefits by

age 60, or age 50 if they are disabled and unable to dosubstantial work. Under certain conditions, divorcedwidow(er)s may be entitled to benefits on a divorcedspouse’s record if they were married at last 10 years. SocialSecurity pays a lump sum death benefit to a survivingspouse or dependent child(ren) of a deceased worker.

Disability Benefits are payable to workers who areunable to do substantial work because of a physical and/ormental condition that is expected to last for at least a yearor to lead to the worker’s death. A worker must be insuredfor disability benefits; for most workers, that means theyhave worked 5 out of the last 10 years. Family membersmay also qualify for benefits on the disabled worker’srecord. The average disability benefit in 2013 is$1,132/month. The average benefit for a disabled workerwith a spouse and one or more children is $1,919/month.

Retirement Benefits are payable to workers who are atleast 62 and have the 40 credits needed to be insuredfor benefits. The retired worker’s spouse, minor childrenand disabled children who became disabled before age22 may also be eligible for benefits on the worker’srecord. A worker may earn up to 4 credits a year, so heor she needs at least 10 years of part-time work to beinsured for retirement benefits. Work credits havenothing to do with the monthly benefit amount. Benefitsare calculated based on the worker’s 35 years of highestearnings indexed for inflation. If you choose to retirebefore full retirement age (65-67, depending on the yearyou were born), you will receive permanently reducedmonthly benefits. The closer you are to full retirementage, the higher your benefit will be. Workers whopostpone collecting benefits past full retirement age mayearn delayed retirement credits up until age 70 andboost their monthly benefit amount. The averageretirement benefit in 2013 is $1,261/month.

Bluegrass SHIP Program (State Health Insurance Assistance Program) 1-866-516-3051498 GEORGETOWN STREET, LEXINGTON 40508www.lablaw.org/ship

Provides free assistance to individuals age 60+ and anyperson receiving Medicare benefits. Counseling andeducation on such benefits as Medicare, includingMedicare Part D; Medicaid; Social Security and moneysaving benefits that are available to people on Medicare.

Coventry Cares of Kentucky 1-855-300-5528http://chcmedicaid-kentucky.coventryhealthcare.com

Dept. for Community Based Services 1-855-306-89592050 CREATIVE DRIVE, SUITE 160, LEXINGTON 40505

For Fayette County residents.

SoC. SEC./MEDICARE & MEDICAID RESouRCES

SoCIAL SECuRITY

Social Security and Health Care Insurance

General Information About Medicare Benefits 1-800-633-4227 (1-800-MEDICARE)TTY/TDD: 1-887-486-2048www.medicare.gov

Information is available 24 hours a day, includingweekends. Call for questions concerning Medicarehealth plans, ordering Medicare booklets, informationon Medigap and prescription drug assistance programs.

Kentucky Medicaid/KyHealth Choices 1-800-635-2570275 E. MAIN ST., FRANKFORT 40601http://chfs.ky.gov/dms

Kentucky Health Solutions (859) 312-9646OFFICE (859) 309-50332365 HARRODSBURG RD., STE A300, LEXINGTON 40504KyHealthSolutions.comEmail: [email protected]

We provide the guidance needed to understandMedicare and your Medicare Options such as MedicareSupplements, Part D Prescription Drug plans, andMedicare Advantage plans. We provide our clients withthe most up-to-date information so they can make awell-informed decision on their insurance needs. As anIndependent Insurance Agency, we represent over 30different insurance companies. Our insurance carriersare all top rated insurance companies that can provideyou with excellent insurance products at reasonablerates. For additional information or to speak with aninsurance specialist, please call us at 859-312-9646 oremail us at [email protected].

Kentucky Spirit 1-866-643-3153www.kentuckyspirithealth.com

Medicare Rights Ctr. (212) 869-3850 or 1-800-333-4114520 EIGHTH AVE., NORTH WING, 3RD FL., NEW YORK, NY 10018www.medicareinteractive.org

National, non-for-profit, non-governmentalorganization that helps ensure older adults andindividuals with disabilities get quality, affordablehealth care. Telephone hotline services, educationalclasses, and consumer rights information available.

WellCare of Kentucky 1-877-389-9457TTY 1-877-247-6272https://kentucky.wellcare.com

Social Security is now basing full retirement age basedon birthdate. (Not automatically at age 65.)

Birth year Full Retirement Date1937 or before . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .651938 . . . . . . . . . . . . . . . . . . . . . . . . . . .65 and 2 months1939 . . . . . . . . . . . . . . . . . . . . . . . . . . .65 and 4 months1940 . . . . . . . . . . . . . . . . . . . . . . . . . . .65 and 6 months1941 . . . . . . . . . . . . . . . . . . . . . . . . . . .65 and 8 months1942 . . . . . . . . . . . . . . . . . . . . . . . . . .65 and 10 months1943 –1954 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66If you were born Jan. 2, 1943, through Jan. 1, 1955,then your full retirement age for retirement insurancebenefits is 66. If you work are full retirement age orolder, you may keep all of your benefits, no matter howmuch you can earn and still receive full Social Securitybenefits. If you are younger than full retirement ageduring all of 2013, SS deducts $1 from your benefits foreach $2 you earned above $15,120.IF YOU REACH FULL RETIREMENT AGE DURING 2013, SS DEDUCTS $1FROM YOUR BENEFITS FOR EACH $3 YOU EARN ABOVE $40,080UNTIL THE MONTH YOU REACH FULL RETIREMENT AGE.

SSI is a federal program which makes monthlypayments to disabled or aged (age 65+) individuals whohave limited income and resources. To be eligible aperson cannot have over $2000 in assets and a coupleover $3000, excluding the home and, in most instances,one car. A Social Security representative must helpdetermine eligibility. The SSI maximum monthly checkamounts are $710 (single) and $1,066 (couple) in 2013.Benefit amounts are adjusted each year.

www.cms.hhs.gov (for general information)www. medicare.gov (for people with Medicare)

To Apply: If you already receive Social Security benefitsand are nearing age 65, you will be automatically enrolledeffective the month you are 65. Your Medicare card willbe mailed to you prior to your 65th birthday. If you do notwant Medicare Part B, which is optional, follow theinstructions that come with the card. If you are nearing age 65 and not yet getting SocialSecurity or Medicare, you can apply for both at thesame time. To make sure that your Medicare Part Bcoverage start date is not delayed, you should applythree months before the month you turn 65. This isthe beginning of your 7 month Initial EnrollmentPeriod. To apply, you can call or visit your local Social

(Continued on )

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If you are a member of a Medicare HMO plan, youmust use skilled nursing and rehabilitation facilitiesthat are listed in the provider directory.

If you switch your health carecoverage to a Medicare HMO,consider using some of yourMedigap insurance savings topurchase long term care coverage. Someplans are tax deductible for some long termcare insurance premiums. Check with yourinsurance agent and tax advisor.

CAREGIvER TIP

MEDICAL INSURANCE


Security office, call Social Security at 1-800-772-1213or apply over the Internet at www.socialsecurity.govif you meet certain rules. If you do not receive Social Security benefits and youonly want to apply for Medicare because you arenearing 65, you can apply by visiting your local SocialSecurity office, or by calling Social Security at 1-800-772-1213. You should apply 3 months before themonth you turn 65. This is the beginning of your 7month Initial Enrollment Period.

Part A: Hospital InsuranceCovers the first 60 days of semi-private hospital careand up to 20 days of post-hospital skilled rehabilitativecare in a hospital or skilled nursing facility (nursinghome). Coverage of skilled nursing home carerequires three consecutive midnights of admittedhospital care. There is a difference between being inthe hospital and being admitted. Benefit period beginswith day one of hospitalization and ends after youhave been out of a hospital or used skilled nursingcare for 60 consecutive days.

Part B: Medical InsurancePays monthly doctor bills, outpatient care, homehealth care, ambulance, lab and therapies for eligibleSocial Security recipients who pay the monthlypremium. This fee is deducted from a Social Securitycheck. The Part B premium for $104.90 for mostindividuals.

Part B: Approved AmountMedicare, not you or your doctor, makes the decisionof an approved amount for each specific medicalservice. The doctor must be certified by Medicare.Medicare will only pay 80% of the approved amountwhich may be less than the fee you’re charged. Youmust pay the rest.

Part D: Prescription Drug PlanIf you are enrolled in a standard Medicare part D planand have a higher income (at least $85,000/individualand $170,000/couple) you will pay higher part Dmonthly premiums. See Page 39 for a summary of theplan.

AssignmentMedical providers who accept Medicare payments arerequired to accept the Medicare approved amount forservice or supplies. They may not charge you morethan the deductible and 20% coinsurance. Example:You go to a doctor who accepts Medicare and youhave already paid the deductible. The Medicareapproved amount for the service you receive is $200.Medicare would pay 80%, or $160. You are responsiblefor no more than the remaining 20%, or $40.If your doctor did not accept Medicare, and the chargefor the service was $225, you could be required to paythe full amount immediately. Medicare would send youa check for $160 after the doctor filed the claim. Youwould be required to pay $25 more in this example.

Beneficiaries are now covered for:• Annual mammogram, no charge. Part B deductible waived. • Annual colorectal screening.• Annual prostate screening.• Bone mass measurement (to rule out osteoporosis).• Diabetes screening, monitoring, self-management education.• Flu & pneumonia shots (no co-payment required).• Screening pelvic exams (every 3 years); pelvic exams andpap smears for high-risk women will be covered annually.

Medicare Automated Phone System24 HOURS 1-800-MEDICARE (633-4227)CLAIMS HELP/CUSTOMER SERVICE: M – F 8:30 A.M.– 4:00 P.M.

Nationwide Part B Medicare carrier has a speechautomated phone system.

• To receive all hospital care necessary to your diagnosis and treatment

• To be fully informed about decisions affecting yourMedicare coverage

• To appeal any written notice that Medicare will nolonger pay for your care

If you think you are being asked to leave the hospital toosoon, ask the hospital for a written notice of explanationimmediately. Medicare HMO members have the sameappeal rights. If you want to appeal, call your localSocial Security office.

QMB (Qualified Medicare Beneficiaries) andSLMB (Specified Low Income Medicare Beneficiary)

If eligible, helps pay Medicare premiums, deductiblesand all Medicare co-payments for low income elderlyand disabled. (In eligibility below, assets not countedare home and furnishings, one car, burial plot andpersonal jewelry such as wedding bands.).

QMB Assistance: Is like a free Medicare supplementalpolicy. The state pays all Part A and B premiums,deductibles and co-insurance.

PATIENT’S RIGHTS uNDER MEDICARE

MEDICARE FoR LoW INCoME BENEFICIARIES

MED

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SLMB Assistance: State pays Part B monthly premiums.Eligibility:

Single MarriedQMBMonthly Income $958 $1,293SLMBMonthly Income $1,149 $1,551Total Assetsfor each program: $7,080 $10,620

The Centers for Medicare and Medicaid pay an HMO tooffer Medicare benefits to its members. Someorganizations charge monthly fees to cover additionalbenefits, plus co-payment charges. These plans offercomprehensive medical care including routine checkupsand may offer other benefits not covered by Medicare orMedigap plans such as dental care. Emphasis is onpreventive medical care and care coordination. You mustuse the HMO’s doctors and facilities to initiate your careplan when you are in their service area, except in anemergency. When you are outside the service area, youhave access to all Medicare certified providers for urgentand emergency care. You can join a plan that serves yourcounty at any time, regardless of your health, unless youhave been determined to have end-stage renal disease.

If you are elderly, blind or disabled, Medicaid waiverprograms can provide Medicaid coverage for manyservices that help you stay in your home. Differentwaivers serve different populations, including the elderly;people with physical, intellectual or developmentaldisabilities; those with acquired brain injuries; andindividuals on ventilators. To qualify:1. You must get a written certification by a physician that

if Medicaid waiver services are not available, nursing

facility services would be ordered and you would beadmitted to a nursing facility in the immediate future;

2. You must meet the nursing facility level of caredefined by Section 4 of 907 KAR 1:022 or meetrequirements for residence in an intermediate carefacility for people with mental retardation (ICF/MR);

3. You must meet the income and resource limitationsrequired by the program.

For more information, visit chfs.ky.gov/dms/mws.htm orcontact the Division of Community Alternatives,Kentucky Cabinet for Health and Family Services, at(502) 564-5560.

Hospitals will process claim forms for you through theirsenior membership programs if you have bills connectedwith their hospital or physicians. Many home health careagencies also process claim forms for services they provide.Call your local senior center for personal counseling.

Bluegrass State Health Insurance Assistance Program (SHIP) 1-866-516-3051LEGAL AID OF THE BLUEGRASS, 498 GEORGETOWN STREETP. O. BOX 12947, LEXINGTON 40583

Counseling program for adults age 60+. Determines ifthey qualify for private or government benefits. Helpswith health insurance forms and claims.

The Medical Assistance Program offers help to thosepersons whose income is above the Medicaid limit yethave medical expenses which would cause them tospend down to an income below the SupplementalSocial Security (SSI) maximum. A caseworker from theCabinet for Families and Children, Department for SocialInsurance must help you determine eligibility. Savemedical bills and receipts to establish eligibility.

MEDICAL CLAIMS ASSISTANCE

MEDICAID SPEND-DoWNMEDICAID WAIvERS

BENEFITS THRouGH AN HMo

If you do not have insurance from a former employerthat fills gaps in Medicare, there are several insurancecompanies that sell supplemental coverage to fill thesegaps. They sell policies called Medigaps that helpcover Medicare deductibles, coinsurance and someadditional benefits. There are 12 different standardizedMedigap plans, labeled A–L (except in Mass., Minn. andWisc.). Not all plans are available in all areas. Note: Starting June 1, 2010, the types of Medigap Plansthat you can buy changed. There are two new MedigapPlans – “M” and “N.” Plans “E,” “H,” “I,” and “J” will nolonger be available to buy. If you already have Plan E,H, I, or J, you can keep that plan. Contact your plan formore information.Each Medigap plan pays for a particular set of benefits.Plan A offers the fewest benefits and is usually the least

expensive. Plans that offer more benefits, like plan J,are generally more expensive.

The most popular Medigap plans are C and F,because they cover major benefits and are lessexpensive than other plans.

All Medigap plans (A–L) must include the followingbasic benefits:• Hospital coinsurance coverage.• 365 additional days of full hospital coverage.• Full or partial coverage of the first 3 pints of blood you

need each year.• Full or partial coverage for the 20% coinsurance for

doctor charges and other Part B services (K and L onlycover this after you have paid the out-of-pocket limit).

(Cont. on )

Medigap Insurance

MEDICAL INSURANCE


Most people begin paying for nursing home care fromsavings and assets, which can be quickly spent. Once aperson has become basically impoverished, (seeMedicaid Eligibility requirements) the Medicaidfederal/state government-funded insurance programpays for care. Anyone with assets exceeding $150,000to protect, in addition to a house, should research longterm care insurance.

n3 How long has the company been in the long term carebusiness? A good company should have been inbusiness at least a couple of years. Don’t be taken inby low premiums to attract customers.

n3 Research the company’s financial strength. A.M. Bestis an industry-respected independent rating firm. A+ Superior or A Excellent is okay. Stay away fromany rating below A. If you can’t get Best’s report atthe library, ask your agent.

n3 Watch out for quick 2 – 3 day turnarounds for policyapproval. Expect a 4 week turnaround for approval.

n3 Make sure the company performs medical underwritingat the time of application rather than at claim time.

n3 How has the company treated current policyholderswhen they update? Have enhancements beenwritten on a guaranteed basis, for additional cost orhas medical requalification been required?

n3 What is the company’s claim paying record? Knowthe percentage of claims paid by the company. If new,excessive claims may raise rates in future years.

n3 Is the policy tax qualified? If a policy is, the benefit is generally not considered as income to the owner.You may get a tax break and better protection.

n3 Make sure the policy has a guaranteed renewableclause so you cannot be canceled or singled out forrate increases.

n3 Be sure to understand whether you are buying areimbursement or an indemnification policy.Reimbursement policies will pay covered claimsreceived by the insurer. Indemnification policies pay a stated amount each month regardless of claimsreceived, but they are usually more expensive.

n3 Check to assure that the waiver of premium appliesto both nursing home and home health care. Thiscontinues to cover you at no further cost whilecollecting benefits.

n3 Check for inflation protection –this rider offers eithersimple increase or one that is compounded, usually three to six percent of the daily benefit annually. Thistype of inflation rider has level premiums which isimportant because costs increase with age. Makesure you know if the rider renews automatically eachyear or if you have to request renewal yourself.

n3 Look for policies that cover home health care fully.Most long term nursing care is provided inside the home.

n3 A good policy does not require you to be hospitalizedbefore benefits are payable. The need for nursinghome care and/or home health care may differ fromthe reason for hospitalization.

PoLICY CHECKLIST

CoMPANY CHECKLIST

Long Term Care Insurance

Depending on which Medigap plan you choose, you canget coverage for additional expenses Medicaredoesn’t cover, including:• Hospital deductible (plans B to L).• Skilled nursing facility coinsurance (plans C to L).• Part B deductible (plans C, F and J).• Excess doctor charges (plans F, G, I and J).• Emergency care outside the U.S. (plans C to J).• At-home recovery (plans D, G, I and J).• Preventative care Medicare doesn’t cover (plans E and J)

Kentucky Health Solutions (859) 312-9646OFFICE (859) 309-50332365 HARRODSBURG RD., STE A300, LEXINGTON 40504KyHealthSolutions.comEmail: [email protected]

We provide the guidance needed to understandMedicare and your Medicare Options such as MedicareSupplements, Part D Prescription Drug plans, andMedicare Advantage plans. We provide our clients withthe most up-to-date information so they can make a

well-informed decision on their insurance needs. As anIndependent Insurance Agency, we represent over 30different insurance companies. Our insurance carriersare all top rated insurance companies that can provideyou with excellent insurance products at reasonablerates. For additional information or to speak with aninsurance specialist, please call us at 859-312-9646 oremail us at [email protected].

n3 Can the company cancel or refuse to renew the policy?

n3 What are the policy exclusion limits for covered services?

n3 If the annual premium is low, does the cost raise with age?

n3 Will I have to wait before benefits will be paid?

n3 Will I have to wait before existing health problems are covered?

MEDIGAP INSuRANCE CoNSIDERATIoNS

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Hospital or skilled nursing careIn-hospital semiprivate room,meals and skilled nursing.

Mental Health Coverage as an inpatient in a mental hospitallimited to 190 days in a lifetime.

Post-hospital skilled rehabilitativecare in a skilled nursing facility after a 3 day hospital stay.

Physician visits and diagnosticconsults, lab tests, physical,occupational, and speechtherapies, approved chiropractic, X-rays including mammograms,outpatient surgical services,eyeglasses after cataract surgery,durable medical equipment andsupplies including prosthetic devicesand shoes for diabetics, ambulancetransport, in-area emergency services,outpatient mental health care.

Home Health Care includes doctorordered skilled nursing care, hospiceservices, physical, speech and occupational therapies, home healthaide services and medical supplies.

Preventive care including annualmammograms, colorectal and pros-tate screenings, annual bone massmeasurement, flu & pneumonia shots,Hepatitis B for those at medium tohigh risk, pelvic exams every 24mo’s; pelvic exams and pap smears(see Page 58 for complete list).

Lab tests, biopsies, urinalysis

Blood

Hospital Days:$1,184 deductible$296 per day$592 per dayYou pay in full

Same as above with a 190 day lifetime limit.

$0$148 per dayYou pay in full.

$147 annual deductible; $104.90or more monthlypremium dependingon income; 20% ofMedicare approvedamount; 50% foroutpatient mentalhealth care; allcosts that exceedthe approvedamount.

After $147 annual deductible, nothingfor services; 20% of the equipment and supplies cost.

After $147 deduct-ible, nothing for services; 20% ofthe equipment and supplies cost. 25% of colonoscopy if performed as an outpatient.

Nothing after $147deductible.

First three pints unless you replace them; 20% of rest

Hospital Days:1–6061–9091–150151+

Same as above with a 190 day lifetime limit.

Hospital Days:1–2021–100101+

Not applicableas long asmonthlypremiums arepaid.

Not applicable aslong as Medicareconditions aremet.

Not applicable.

Not applicable.

Not applicable.

BalanceBalanceBalance

$0

Benefit period beginson the first day ofadmission for thesame condition. Anadmission on day 61or later requires anew $1,184deductible.

80% of the Medicareapproved amountafter the $147deductible.

Balance

All costs for fecaloccult blood test, Papsmear lab test, pelvicand breast exams,PSA test, flu andpneumonia shots.Balance (80%) ofeverything else.

All costs after $147deductible.

Balance

People age 65 or older.

Some people under age65 with disabilities.

People with end-stagerenal disease.

Enrollees paying themonthly part B premium.

Patient must be home-bound and under a doctor’sorder for intermittentskilled care or terminallyill for hospice services.




If you join a Medicare Advantage Plan (HMO, PPO, PFFS), call their customerservice number directly with questions you have about your care or benefits.If you use traditional Medicare health insurance benefits, call for:• Part A Hospital and SNF Claims: • Part B Claims:

1-800-MEDICARE or 1-800-325-0778 TTY

Take Note: When an insurancecompany limits your coverage ordenies you coverage, you have theright to appeal the decision. Call (502) 564-3630.

What MedicareBenefit Pays of Approved What’s Not

Service Period What You Pay Amounts Those Eligible Covered

PART A Helps pay for medically necessary inpatient care in a hospital or skilled nursing facility

To get a copy of the federal government handbook, audiotape, Braille, large print or Spanish versions of Medicare and You, call 1-800-MEDICARE or 1-877-486-2048 TTY or visit www.medicare.gov

Private rooms (unlessmedically necessary)

Private duty nursing

Part B Medicareservices

Personal convenienceitems (TV, telephone)

First three pints ofblood

Some preventative care,routine physical exam, eyeor foot care, dental, glasses,(except after cataractsurgery) hearing aids,orthopedic shoes, privatenursing, prescriptiondrugs, immunizations(except those listedunder preventive care)most medical costsincurred out of the USA.Custodial care, including bathing, grooming, toilet-ing, help getting in and out of bed. For hospice, treatments not related to pain relief.Cosmetic surgery. Routine or yearly medical exams. Other screening tests or shots except those listed on Page 58.

PART B Helps pay for doctor services, preventive screenings, home health care, hospice, medical equipment and supplies

CuSToMER SERvICE

b Quick Summary of 2013 Medicare Benefits

MEDICAL INSURANCE


n3 All levels of nursing care should be covered: skilled,intermediate and custodial. How are they defined?

n3 What are the Activities of Daily Living (ADLs) that thecompany uses? How are they defined and how manymust be lost to trigger benefits?

n3 Policy should specify Alzheimer’s Disease and frailtyand cover organic, mental and nervous disorders thatcause cognitive impairment which may prevent youfrom dressing, bathing and toileting without help.

n3 What is the length of the benefit period? Does the policy allow you to use your nursing home benefits inthe home when home health care benefits areexhausted and vice versa?

n3 What is the deductible or waiting period? This canrange from 0 to 365 days. It should be one that fitsyour budget since most people begin paying for nursing home care from savings and assets.

Activities of Daily LivingActivities necessary to maintain independent living.May include dressing, toileting, continence, transferring,feeding, bathing and grooming.

Adult Day Care/Adult Day ServicesSee page 35.

Custodial/Personal CarePersonal, non-medical help with the ADLs such asdressing, bathing, eating and other routine activities.

Elimination Period and ExclusionRefers to the waiting period of the policy; the initialnumber of days before benefits are paid. Anycondition or expense not paid for by a policy.

Deductibility of PremiumFor income tax purposes, some individuals may be allowed to deduct some or all of their policypremiums with other medical expenses.

Guaranteed RenewableThis means a policy cannot be cancelled unless you failto pay premiums when they are due. Premiums cannotbe raised unless there is a rate increase for all policyholders in a particular group.

Intermediate CareOccasional nursing or rehabilitative care performed by,or under the supervision of, skilled medical personnel.

Interval PeriodSome policies incorporate a 30–180 day waiting periodbefore being readmitted, ask your agent or the companyif and how an interval period applies to your policy.

Medicare CertifiedLong term care policies require that care be Medicarecertified to qualify for benefits. This means a doctor’sorder for care must be issued.

Skilled Nursing CareDaily nursing and rehabilitative care that can beperformed only by, or under the supervision of, skilledmedical personnel such as RNs, LPNs and therapists.

TERMS

AGING RELATEDConsumer Services-Insurance 1-800-686-1526Food and Drug Complaints . . .1-800-282-1955Home Energy

Assistance Program . . . . . . .1-800-282-0880Legal Hotline . . . . . . . . . . . . . .1-800-488-6070Medicare Part B . . . . . . . . . . . .1-800-633-4227Long-Term Care Ombudsman .1-800-372-2991Social Security Administration .1-800-772-1213Talking Books . . . . . . . . . . . . .1-800-424-9100Veterans Administration . . . . .1-800-827-1000

DISEASE SPECIFICAlzheimer’s Association . . . . .1-800-272-3900American Cancer Society . . . .1-800-227-2345American Diabetes Association1-800-232-3472American Council of the Blind .1-800-424-8666American Heart & Stroke Assn.1-800-282-0291American Kidney Association .1-800-638-8299American Liver Foundation . . .1-800-223-0179American Parkinson Assoc. . .1-800-223-2732American Speech, Language &

Hearing Association . . . . . . . . .1-800-638-8255Arthritis Foundation . . . . . . . . .1-800-283-7800Lung Disease Association . . . .1-800-222-5864National Multiple

Sclerosis Society . . . . . . . .1-800-FIGHT MS

b Helpful Toll-Free Numbers

medical & healthcare servicesHandy forms and guides in this section:Home Health Agency Comparison . . . . . .47Medication Checklist . . . . . . . . . . . . . . . .50My Own Case Management/Contingency Plan . . . . . . . . . . . . . . . . .62

Home Safety Checklist . . . . . . . . . . . . . . .64


hospital health care servicesCardinal Hill Rehabilitation Hospital . . . .49

home health care/homemaker servicesAlways Best Care of Central Kentucky . . .51Comfort Keepers . . . . . . . . . . . . . . . . . . .55Home Instead . . . . . . . . . . . . . . . . . . . . . .53ResCare HomeCare . . . . . . . . . . . . . . . . .55Senior Helpers of the Bluegrass . . . . . . . .51

The Villa Homecare . . . . . . . . . . . . . . . . .53Visiting Angels . . . . . . . . . . . . . . . . . . . . .54

Visual DisabilitiesRetina Associates of Kentucky . . . . . . . . .57

Please support these advertisers for making this guide possible. Tell themyou saw it in Pathways.


Number of Years in Business

Accreditation

Certified (Medicare/Medicaid)

24 hours/day, 7 days/week availability

How is phone answered in an emergency

Has written supervised care plan

Same person(s) to provide service

Person(s) bonded

Liability insurance

Other:

billing informAtion A b

Basic hourly charges for skilled nursing:

for health aide

for personal/homemaker

for therapy

for medical equipment

for other services

Minimum hours per day

Calculation of travel time

Overtime and holidays

Frequency of billing

Files insurance claims

Accepts Medicare assignment

Other:

b home heAlth Agency compArison

About the Agency A b

baptist health lexington (859) 260-61001740 NICHOLASVILLE RD., LEXINGTON 40503www.centralbap.com

cardinal hill rehabilitation hospital (859) 254-57012050 VERSAILLES RD., LEXINGTON 40504www.cardinalhill.orgFor over 60 years, Cardinal Hill Rehabilitation Hospitalhas been changing lives and restoring hope to patientsand families who have experienced a traumatic injury orlive with a debilitating disease. Cardinal Hill is one of theregion’s largest providers of physical rehabilitationservices, treating thousands of patients from all overKentucky and surrounding states. The hospital is CARFaccredited, which represents the highest level ofaccreditation that can be awarded to a rehaborganization. Cardinal Hill specializes in treating Stroke,Brain Injury, Spinal Cord Injury, Multiple Trauma,Amputations, Burns, Orthopedic Conditions andPulmonary Disorders. The staff at Cardinal Hill isunmatched in experience and training which allows thehospital to provide top rate care to our patients andtheir families. In addition to our specialized staff,patients are admitted to diagnoses specific programs andunits to ensure the most customized care for each of ourpatients. Cardinal Hill has built a reputation over theyears not only for its rehab expertise, but also for thekind and compassionate care. Throughout the treatmentprocess, the staff at Cardinal Hill develops strong bondsand lasting friendships with the patients, who caretypically at a very critical and difficult time in their lives.

lexington VA medical center (859) 233-45111101 VETERANS DR., LEXINGTON 40502www.va.gov

saint Joseph health system1 SAINT JOSEPH DR., LEXINGTON 40504 (859) 313-1000150 N. EAGLE CREEK DR., LEXINGTON 40509 (859) 967-5000

uK healthcare GOOD SAMARITAN HOSPITAL (859) 226-7000310 SOUTH LIMESTONE, LEXINGTON 40508ALBERT B. CHANDLER HOSPITAL (859) 323-5000800 ROSE ST., LEXINGTON 40536www.ukhealthcare.uky.edu

baptist health (859) 623-3131801 EASTERN BYPASS, RICHMOND 40475www.baptisthealthrichmond.org

bluegrass community hospital (859) 873-3111360 AMSDEN AVE., VERSAILLES 40383

bourbon community hospital (859) 987-36009 LINVILLE DR., PARIS 40361www.bourbonhospital.com

clark regional medical center (859) 745-3500175 HOSPITAL DR., WINCHESTER 40391www.clarkregional.org

ephraim mc Dowell regional medical center (859) 239-1000217 SOUTH 3RD ST., DANVILLE 40422

fort logan hospital (606) 365-4600 110 METKER TRAIL, STANFORD 40484www.fortloganhospital.org

frankfort regional medical center (502) 875-5240299 KINGS DAUGHTERS DR., FRANKFORT 40601

georgetown community hospital (502) 868-12211140 LEXINGTON RD., GEORGETOWN 40324www.georgetownhospital.com

harrison memorial hospital (859) 234-2300UNIT 1, 1210 KY HIGHWAY 36 E, CYNTHIANA 41031www.harrisonmemhosp.com

James b haggin memorial hospital (859) 734-5441464 LYNDEN AVENUE, HARRODSBURG 40330www.hagginhosp.org

marcum and Wallace memorial hospital (606) 723-211560 MERCY CT., IRVINE 40336www.marcumandwallace.org�

nicholas county hospital (859) 289-71812325 CONCRETE RD., CARLISLE 40311www.johnsonmathers.org

other countiesfAyette county

hospital health care systemsHospitals now provide a wide range of services includingemergency assistance, health screening and monitoringprograms, rehabilitation, home health care and aides,physician referral and family and pastoral counseling.Neighborhood locations, mobile units, specific diseaseassessment and treatment centers, as well as hospitalownership of nursing agencies and continuing care livingfacilities warrants the more accurate description of“health care system.”

It is the nature of hospitals to specialize in providing care and technology for severe illness and disease.Many tertiary care hospitals have satellite centers and/or physician centers to offer our community greateraccess to non-acute health care services. Additionally,many hospitals are expanding their menu of services to include home health and in-home hospice care,medical equipment, retirement housing and skillednursing home care.

HEALTH SERVICES


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492013 Edition pathways - Information for Older Adults

saint Joseph-berea (859) 986-3151305 ESTILL ST., BEREA 40403

st. Joseph r.J. corman Ambulatory care center1250 KEEN RD., NICHOLASVILLE 40356 (859) 887-6700

medi-calls (859) 422-43691055 WELLINGTON WAY, STE. 215, LEXINGTON 40513

Kentucky physician care program 1-800-633-8100Limited free medical help for low income people whodo not qualify for medical cards.

Department of Veterans Affairs medical center (859) 233-45111101 VETERANS DR., LEXINGTON 40502

Full range of supportive services as well as in-patientand out-patient treatment to eligible veterans.

cardinal hill rehabilitation hospitalNEW PATIENTS (859) 257-4888EXISTING PATIENTS (859) 254-57012050 VERSAILLES RD., LEXINGTON 40504

lexington-fayette county health Department650 NEWTOWN PIKE, LEXINGTON 40508www.lexingtonhealthdepartment.orgADULT WELLNESS MAINTENANCE CLINIC (859) 252-2371

Twelve nurse-conducted clinics are held monthly,with health promotion programs, blood pressuremonitor, evaluates health programs, helps persons tounderstand their diet and medication, provides flu shots,and makes referrals to physicians about other services.

GENERAL MEDICAL CLINIC (859) 252-2425Services for residents of Lexington-Fayette Co. Mutualgoals are established to meet the needs of participants,using a multi-disciplinary approach, includingphysicians and nurses. Appointment needed. M, Tu,Th, 8:00 A.M.–6:30 P.M., F, 8:00 A.M.– 4:30 P.M.

HEALTH AWARENESS PROGRAM (HAP) (859) 288-2483One-on-one health counseling by a registered nurseand dietician to assist individuals in managingdiabetes, high blood pressure, high cholesterol, orheart disease. Services provided at the Health Dept.

midway ctr. for integrative medicine (859) 846-4445129 SOUTH WINTER ST., MIDWAY 40347

The clinic focuses on prevention, anti-aging, nutrition,family, and bioidentical hormones.

paragon family practice (859) 543-17032801 PALUMBO DR., STE. 200, LEXINGTON 40509

st. Joseph free health clinic (859) 313-4555 1401 HARRODSBURG RD., BLDG. B, STE. 370, LEXINGTON 40504

Provides free basic health care, health information,and social services to people of all ages. Must bewithout health insurance or a medical card.

university of Kentucky health care (859) 257-1000, or 1-800-333-8874www.ukhealthcare.uky.edu

Kentucky clinic (859) 257-8562 or 1-800-333-8874740 S. LIMESTONE, LEXINGTON 40536

Some free services available, such as ovarian cancerscreening for women over age 55 or younger with afamily history. Phones staffed Mon. – Fri., 8 A.M. – 5 P.M.

uK polk - Dalton clinic (859) 257-8801217 ELM TREE LANE, LEXINGTON 40507

Open 8:00 A.M. – 5:00 P.M., Monday through Friday.

Kentucky clinic south (859) 257-98002400 GREATSTONE POINT, LEXINGTON 40504

Open 8:00 a.m.-5:00 p.m., Monday through Friday.

berea healing Arts/Acupuncture (859) 986-0098122 MAIN ST., BEREA 40403

Non-profit funds complimentary and alternativeapproaches to health for people in financial need.

heAlth clinics

meDicAl heAlth cAre

physiciAn serVices

AlternAtiVe therApies


HEALTH SERVICES

b meDicAtion checKlistList your medications here, then keep this list in yourpurse or wallet. You can also make copies of your list tokeep at home or work or to give to family members.

Take it with you to your doctor appointments and reviewthe list with a pharmacist.

What is the brand name of the drug?

What is the generic name?

What is the strength (dose)?

Why am I taking it?

How many should I take?

How often must I take it?

How long must I take it?

Will there be side effects? What are they?

Are there side effects I should reportto my doctor immediately?

Should I take it with meals?

Are there driving or other restrictions?

Will it interact with other meds or with alcohol?

Is there anything else I should knowabout taking this drug?

Taking any over the countermedications/vitamins?

Note any medication allergies:

Drug A Drug b Drug c

Artemesia community Acupuncture and Wellness center (859) 402-2430296 SOUTHLAND DR., LEXINGTON 40503www.artemesiaweb.com

Full service Chinese medicine clinic.

metta yoga studio (859) 361-8523 517 SOUTHLAND DR., LEXINGTON 40503

We bring the practice of yoga to everyone.

midway ctr. for integrative medicine (859) 846-4445129 SOUTH WINTER ST., MIDWAY 40347

The clinic focuses on prevention, anti-aging, nutrition,family and bioidentical hormones.

Many prescription drug manufacturers make somemedications available free of charge to low incomepersons. Your doctor must make the request to thecompany. Not all medications are included in theprograms.

faith pharmacy (859) 255-1074240 E. 7TH ST., LEXINGTON 40508

Assists those without prescription plan or insurance.Referral required.

meDicAtion AssistAnce


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health Kentucky 1-800-633-8100KENTUCKY PHARMACY PROVIDERS, 83 C. MICHAEL DAVENPORT BLVD., FRANKFORT 40601www.healthkentucky.org

Eligible patients receive free medications if under age 64.

partnership for prescription Assistance 1-888-477-2669www.pparx.org

n phArmAcies thAt DeliVer hubbard and curry (859) 278-84082387 PROFESSIONAL HEIGHTS DR., LEXINGTON 40503

the pharmacy shop (859) 278-7282455 A SOUTHLAND DR., LEXINGTON 40503

Wheeler pharmacy (859) 266-1131336 ROMANY RD., LEXINGTON 40502

n meDicAtion consultAntsoptimed senior care medication management (859) 271-8677 or 1-800-255-4553P.O. BOX 25163, LEXINGTON 40524www.nvo.com/pcsworld

Geriatric pharmacist specialist for medicationmanagement services.

home health care coordinationHome health care agencies offer a range of services thatallow you to remain safely at home with some assistance indaily living, whether it’s medical, cooking, personal hygiene,transportation, companionship, or rehabilitation andsupport to aid the healing process after illness, surgeryor injury. If you need several services, a medical socialworker will visit you in your home to determine whatservices you need and will help you arrange for them.

selecting an AgencySelection of an agency is a personal decision that shouldbe made based upon your needs. Senior centers, hospitaldischarge planners or social service workers, physicians,public health departments, United Way agencies, religiousand senior citizens groups can all serve as advisors inthe selection of an agency. Medicare does not pay forpersonal care services such as bathing, feeding,grooming, transferring from a bed to chair or toileting.Personal care services are usually paid for by the family.

Agencies may provide free assessments to determine acost effective plan of care. Per visit or hourly rates varyby agency, skill level, intensity of care, length and timingof services.

medicare coverage guidelinesQualifying for home health benefits under Medicare isnever guaranteed. Minimally, the patient must be:• Homebound• Under the care of an M.D. who requests skilled care• Need skilled nursing or physical therapy services on

an intermittent basis. (Patients who require more thanintermittent care, but refuse alternatives, are not eligible.)

Examples of skilled nursing services covered by Medicare:• Wound dressing involving prescription drug and

aseptic technique• Bladder and bowel training in the case of incontinence• Colostomy or ileostomy care• Injections• Respiratory, physical, speech or occupational therapies

rAnge of serVices

home health care

HEALTH SERVICES


medicare does not cover any private duty nursingcosts. A patient may be very frail and require manysupport services such as enemas, incontinence care,bathing, personal grooming, transfer from bed to chair,ambulatory assistance, prompting for performance ofbasic activities of daily living (ADL), meal preparationand feeding, dressing, homemaking, chore andcompanion services. Medicare will not pay for these ifthe guidelines listed above are not met.

case managementProfessional social worker or nurse makes in-homeassessment and determines individual plan of care.Makes sure that care is achieving its purpose towardsclient safety and recovery.

clinical nurse specialistsHave extensive training in a subspecialty such as gero-psych or ET or IV therapy. Help in training familymembers to help provide care for the patient.

Discharge plannerWorks with patients and family members at hospitaldismissal to guide in the decisions needed for eithernursing home placement, home health care services,rehabilitation, therapies, etc.

hi-tech specialty nursingIncludes home transfusion therapies, central line,porta catheters and dialysis services.

home infusion therapiesEnteral (ET): Nutritional tube feedings through thestomach Paraenteral (TPN): Venous nutritionalfeedings; IV: Venous medication delivery.

homemaker/companion service/personal careAssists with light housekeeping, meals planning andpreparation, laundry and provides companionship.Personal care services include help with bathing,toileting, dressing, walking, getting in/out of bed,grooming, etc.

medical social WorkLicensed Social Worker consults with patient andfamily, making referrals for chronic medical problemsand to available community resources.

occupational therapyIncludes exercises, adaptive equipment, splinting,joint protection, energy conservation.

patient’s bill of rightsA patient is entitled to the highest quality of care withdignity, respect, full information disclosure, forthrightinformation about fees and charges and the right to privacy.

physical therapyIncludes exercise, equipment recommendations, gaittraining, ultrasound, whirlpool, etc.

private Duty nursingOne on one individual skilled nursing or personal careby an RN, LPN or Certified Nurse Aide in a person’sresidence. Generally charged by the hour.

speech therapyEvaluation and treatment of communicative, cognitiveand swallowing disorders.

respiratory therapyExercises to enhance breathing and lung oxygen supply.

skilled nursing careA task(s) that can’t be effectively performed or self-administered by the average non-medical person withoutthe direct supervision of a licensed nurse. Provided byRNs, LPNs or physical, speech or occupational therapists.Must be ordered by a physician in conjunction with acare plan. Services include injections, insertion ofcatheters, observation of decubitis ulcers, manualremoval if impaction, diabetic teaching.

n3 Does the agency have 24 hour/day, 7 days/week service in case of emergencies?

n3 How is the agency accredited and is it Medicarelicensed and/or Medicaid certified?

n3 How long has it been in business? Is it affiliated withany hospital, community or social service agency?

n3 Will a representative consult with our physician andfamily members to develop a written care planoutlining specific duties caregivers are to perform, atwhat intervals and for how long? Will all necessaryagency personnel know what our needs are?

n3 Does the agency screen and bond all workers andguarantee that they are protected with written personnelpolicies and basic benefits such as social security,liability, malpractice insurance and worker’s comp?

n3 How often will we be billed and who will we pay? Isthird party reimbursement available? Will the agencyfile Medicare, Medicaid, HMO and private insurance?

n3 What services do we need? What will they cost, pervisit or per hour, including overtime or holiday charges?How are charges calculated? Is there a minimumnumber of hours or days per week? What happenswhen our insurance and/or Medicare runs out?

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Many older adults, including those withdementia, simply need basic grooming,bathing, feeding, home maintenanceand chore, or comfort care services.These do not qualify as skilled nursing care and,therefore, are not covered by Medicare. This is whenyour family should consider Care at Home services.

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n3 Will the same person be dependable and availablethrough all care? Is there a supervisor who oversees allcare and will help address any questions or problems?

In order to offer Home Health services in Kentucky,Home Health Agencies must obtain a certificate of needand be licensed to serve a given geographic area. Onlylicensed agencies may be certified to receive Medicaidreimbursement for providing home health services.These are the only type of agencies that can offer“skilled” services. Contact the individual agency to see ifthey are licensed to provide services in your county.

cardinal hill homecare (859) 367-71332050 VERSAILLES ROAD, LEXINGTON 40504

rescare homecare (859) 543-2273383 E. MAIN STREET, 40507www.rescarehomecare.com

We are the largest, non-franchised private duty homecare agency in the United States. We offer 1-24 hourservice that includes companionship, direct careprofessionals, incontinent care, Alzheimer care, lighthousekeeping, light meal prep, and transportation.We are licensed, insured, and bonded.

the Villa homecare (859) 245-0701319 DUKE RD., LEXINGTON 40502

Other Providers:Amedisys Home Health Care (859)-271-0611

2480 Fortune Dr., Suite 100, Lexington 40509Caretenders of the Bluegrass (859) 276-5369 or 1-800-866-0633

2432 Regency Rd., Lexington 40503Baptist Health Lexington (859) 260-6569 or 1-800-489-3002

2100 Nicholasville Rd., Lexington 40503Clark County Home Health (859) 744-2549

201 S. Main St., Winchester Ky 40391Franklin County Home Health (502) 564-7383

231East Main Street, Frankfort 40601Gentiva Home Health (859) 252-4206 or 1-800-388-9525

2020 Liberty Rd., Suite 115, Lexington 40505Infusion Partners (859) 277-2013

2025 Regency Road, Lexington 40503Innovative Senior Care Home Health (859) 269-2587

3051 Rio Dosa Dr., Lexington 40509Lifeline Home Health Care (859) 272-9787 or 1-800-546-9599

161 N. Eaglecreek Dr., Lexington 40509

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A physician must provide written approval forhome health care to qualify for Medicare,Medicaid and private insurance reimbursement.

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McDowell Home Health (859) 236-8946131 Daniel Drive, Danville 40422

MEPCO Home Health Agency (859) 623-3441216 Boggs Lane, Richmond 40475

Nurses Registry and Home Health (859) 255-4411 or 1-800-444-3599

101 Venture Ct., Lexington 40505Saint Joseph American Nursing Care (859) 277-5111

2464 Fortune Dr., Suite 110, Lexington 40509WEDCO District Health Department (859) 234-8750

May assist with light housekeeping, meal planning andpreparation, laundry and provides companionship.Personal care services may include help with bathing,toileting, dressing, walking, getting in and out of bed,grooming, escort to appointments and errands, etc.

Always best care of central Kentucky (859) 272-0000 or 1-855-385-01232333 ALEXANDRIA DR., LEXINGTON 40504www.abc-centralky.comwww.centralkentuckyseniorsolutionsllc.comEmail: [email protected] or

[email protected] choose Always Best Care of Central Kentucky?We are a locally owned business whose ownersunderstand the causes behind illnesses afflictingseniors and can communicate knowledgeably withmedical staff. Four reasons help to distinguish us fromother home care agencies. 1. Accountability involvingmaking sure you meet the caregiver before they start.Caregivers clock in and out through a monitoredtelephone systems utilizing caller ID. This ensurescare is delivered when and where needed. 2. An 8step hiring process for our caregivers 3. Customerservice in which phones are answered and staffed24/7. We also do not have hourly minimums. 4. Weare a one –stop solution center for seniors and theirfamilies. We want to help solve these problems byworking with other businesses who deal withseniors.Finally our goal is to ask ourselves this simplequestion: Would we have placed this caregiver withour mother or father?

comfort Keepers (859) 224-1124 or (502) 352-28112350 REGENCY RD., LEXINGTON 40503www.ComfortKeepers.com

Assisted living in the privacy and comfort of your ownhome. Choose from a variety of services, including in-home companionship care, meal preparation, lighthousekeeping, errand services, transportation,medication reminders, personal care, hospital sitting,bath visits, emergency response systems, and more.You have the flexibility of choosing any or all of theseservices and Comfort Keepers will tailor a package tofit your needs. Services are available 24/7 – 365 dayseach year. Caregivers are Comfort Keeper employees– screened, bonded and insured.

home instead senior care (859) 273-0085A LICENSED PERSONAL SERVICE AGENCY

207 E. REYNOLDS RD., SUITE 150, LEXINGTON 40517www.homeinstead.com

Since 2000, a passionate dedication to serving peoplehas set Home Instead Senior Care’s CAREGivers apart.Our CAREGivers are thoroughly screened, extensivelytrained, insured and bonded, matched to yourpreferences, professional, reliable and dependable.They assist with personal care including bathing,incontinence, grooming, eating, dressing, medreminders, mobility and cognitive impairment, andprovide companionship, meal preparation,housekeeping, laundry, insurance and workers’compensation responsibilities, and conduct periodicquality assurance visits. Care can be arranged hourly,overnight or for 24 hours up to 365 days per year. Callfor a free non-obligatory consultation.

homecAre 1-866-665-7921BLUEGRASS AREA ON AGING AND INDEPENDENT LIVING699 PERIMETER DR., LEXINGTON 40517www.bgaaail.org

Available in all 17 co’s of the Bluegrass Area DevelopmentDistrict. Homemakers (personal care and homemanagement), home-delivered meals, chores (heavyhousecleaning), escort services, respite for caregivers,and home repair services (limited to improving safetyof the home). Eligibility determined by an assessment ofADLs and IADLs. Limited to those 60+ who are enteringor likely to enter long term care facility for whom in-home services can be more appropriate and costeffective in response to their needs. Clients aremonitored through case management activities. Slidingfee scale based on income. Estimates can be given.

personal care Attendant program 1-800-633-9844 or (502) 349-5500711 MCDOWELL BLVD., BARDSTOWN 40004

State-funded program for persons over 18 on limitedincome with permanent, temporary, or recurringdisability and functional loss of two or more limbs whorequire a personal care attendant to live independently.

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Must be a resident of specific counties and capable ofmanaging and supervising an attendant. State pays$7.25/hour towards attendant’s salary, and trains thedisabled person to become an employer.

senior companion program (502) 695-4290, ext. 215 or 1-800-456-6571BLUE GRASS COMM. ACTION PARTNERSHIP, 111 PROFESSIONAL CT.,FRANKFORT 40601

Volunteers age 55+ spend an average of 20 hours/week helping the homebound elderly with meal prep,medication reminders, personal care, light housekeeping,errands and more. No charge for this service. Servicesprovided in Anderson, Boyle, Fayette, Franklin, Garrard,Jessamine, Lincoln, Mercer, Scott and Woodford Co’s.

senior helpers of the bluegrass (859) 296-2525 3070 HARRODSBURG ROAD, SUITE 240, LEXINGTON 40503www.seniorhelpers.com/lexingtonFRANKFORT OFFICE (502) 226-3393www.seniorhelpers.com/frankfort

At Senior Helpers, we provide an affordable and caringsolution to the busy family. Senior Helpers is theperfect solution for seniors and others who aren'tready to leave their home for an institutional setting,but need support to remain at home. We provide thesenior with companionship and one-on-one humancontact to reduce isolation and improve their qualityof life. Our highly qualified and trained employeecaregivers are bonded, insured and screened. We canprovide companionship, bathing, dressing, grooming,light housekeeping, Alzheimer’s & dementia care, mealplanning & preparation, running errands, medicationreminders, laundry & linen and much more. Call for afree in-home assessment.

the Villa homecare (859) 245-0701319 DUKE RD., LEXINGTON 40502

Visiting Angels (859) 223-03983306 CLAYS MILL RD., STE. 104, LEXINGTON 40503

Visiting Angels is the nation’s leading, nationallyrespected network of non-medical, private duty homecare agencies providing senior care, elder care, personalcare, respite care and companion care to help the elderlyand adults continue to live in their homes across America.

Other Providers:Accessible Home Health Care (859) 313-5167

366 Waller Ave, Ste 112, Lexington 40504Alliance Medical & Home Care (859) 296-9525

3716 Willow Ridge Rd., Lexington 40514Assisting Hands Home Care (859) 264-0646

1795 Alysheba Way., Ste. 7105, Lexington 40509Beverly’s Angels (859) 987-0077

201 W. Eighth St., Paris 40361Comfort Independent Living (859) 552-7958

Extra Care Private Duty Nursing Services (859) 296-0513 or 1-800-876-6005

2409 Members Way, Lexington 40504Family Choice Home Care (859) 333-8147

2150 Lexington Rd., Ste. G, Richmond 404751890 Star Shoot Pkwy., Ste. 170, Lexington 40509

Home Helpers (859) 381-8996650 Kennedy Road, Lexington 40511

mD2u (859) 402-1092 or 1-866-460-3567www.md2u.com

other home serVices

552013 Edition pathways - Information for Older Adults

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Hospice is a special kind of humane and compassionatecare designed to provide comfort, sensitivity and supportfor people in the final phase of a terminal illness.Hospice care can be provided in a variety of settings: in-home, in hospitals or in nursing homes. Hospice iscovered by Medicare, Medicaid and most privateinsurance plans.

components of hospice care• Offers pain-comforting, not curative treatment• Treats the person, not the disease• Emphasizes quality, rather than length of life• Considers the entire family, not just the patient• Provides help and support to patient and family

on a 24 hour basis

Hospice services are provided by a team of trained professionals including physicians, nurses, counselors,clergy, therapists, aides and volunteers.

n3 What’s the response to your very first call?

n3 What will the actual out-of-pocket costs be?

n3 Will the same team stay with the patient throughoutthe entire length of care?

n3 How long will it take to begin hospice service?

n3 Will someone be with the family at the time of death?

n3 What services and how many hours of services areprovided if the patient needs 24-hour care?

n3 How long has the hospice service been in business in the area and is it affiliated with any hospital, community or social service agency?

n3 If hospital care is needed, does the patient havechoice of hospital and physician?

n3 What long term bereavement family support isavailable?

n3 What relationship does your doctor have with the hospice provider?

n3 Will in-patient care be provided in a designated hospice unit?

n3 How often does someone visit?

n3 What happens if the patient no longer needs in-hospital care but cannot go home?

n3 What nursing homes are the hospice provider contracted with?

n3 How often will a home health aide visit if the patienthas intensive physical care needs?

n3 What is the average caseload carried by each nurse?

n3 Are there any special services or therapies offeredwhich meet the patient’s specific needs and wishes?

n3 What happens if Medicare or private insurance coverage ends?

n3 Will the hospice service file insurance claims? How will out-of-pocket expenses be handled?

n3 Who can be called after normal business hours andhow fast do they respond?

hospice of the bluegrass (859) 276-5344 or 1-800-876-60052312 ALEXANDRIA DR., LEXINGTON 40504www.hospicebg.org

Service Area: Anderson, Bourbon, Fayette, Franklin,Harrison, Jessamine, Nicholas, Scott, and Woodfordco’s.

hospice east (859) 744-9866407 SHOPPERS DRIVE, WINCHESTER 40391www.hospiceeast.com

Service Area: Clark and Powell co’s.

heritage hospice (859) 236-2425 or 1-800-203-6633120 ENTERPRISE DRIVE, DANVILLE 40422www.heritagehospice.com

Service Area: Boyle, Garrard, Lincoln, and Mercer co’s.

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Disability & rehabilitation servicesu.s. Department of Justice civil rights Division 1-800-514-0301 or (202) 514-0301TDD/TTY 1-800-514-0383 DISABILITIES RIGHTS SECTION - NYAV950 PENN AVE. NW, WASHINGTON, D.C. 20530www.ada.gov

Contact for information about the Americans withDisabilities Act. Information is available in Braille,large print, audiotapes or electronically on disk.

bluegrass technology center (859) 294-4343 or 1-800-209-7767TTY 1-800-648-6056409 SOUTHLAND DR., LEXINGTON 40503www.bluegrass-tech.org

independence place (859) 266-2807 or 1-877-266-2807www.independenceplaceky.org

Ky. Assistive technology loan corp. 1-877-675-0195275 E. MAIN ST., MAIL STOP 2 E-K, FRANKFORT 40621www.katlc.ky.gov

Help persons with disabilities, who would not qualifyunder traditional loan programs, to obtain assistivetechnology to improve independence or quality oflife.

Kentucky office of the Americans with Disabilities Act (502) 564-3850 or 1-877-423-2933500 MERO ST., CAPITAL PLAZA TOWER, 2ND FL., FRANKFORT 40601http://ada.ky.gov

Kentucky protection & Advocacy (502) 564-2967 or 1-800-372-2988100 FAIR OAKS LN., FRANKFORT 40601www.kypa.net

lexington-fayette urban county government (859) 288-2928PARKS AND RECREATION THERAPEUTIC PROGRAMS

545 NORTH UPPER STREET, LEXINGTON 40508www.lexingtonky.gov

Provides programs for individuals with a variety ofdisabilities, including fitness, aquatics, horsemanship,sports, outings, dances, camps and more. Programsare affordably priced and scholarships are available.

Veteran’s Administration 1-800-827-1000www.va.gov

Information and assistance for military veterans.

HEALTH SERVICES


bluegrass council of the blind, inc. (859) 259-18341093 SOUTH BROADWAY, SUITE 1230, LEXINGTON 40504www.bgcounciloftheblind.org

Information and referral, peer counseling, educationaland social activities, advocacy, and monthlynewsletter. Information on aids and appliances to helpcope with loss of vision. Support groups offeredmonthly.

central Kentucky radio eye, inc. (859) 422-63901733 RUSSELL CAVE ROAD, LEXINGTON 40505www.radioeye.org

Reads newspapers and magazines over a special radiofrequency that can be heard only on pre-tuned one-station receivers. Anyone who has difficulty readingcan be qualified for the service by a doctor, nurse,social worker, or other health care professional. Radiois loaned to you for a one time fee of $25. If you areunable to pay the fee, please call about free receivers.Broadcasts reach 50 mile radius of Lexington area.

eye care America 1-877-887-6327www.eyecareamerica.org

Refers seniors age 65+ who no longer have access toan ophthalmologist. Clients referred to local eye doctorwho volunteers medical eye services, including diabetesand glaucoma eye care. No out-of pocket cost to client.

gadgetry program for the blind 1-888-584-74401101 N. GARFIELD, SIOUX FALLS, S.D. 57104

Large size print check registers, address books, calendarsfor $9–13. Gadgetry program with adaptive devices.

general electric Answer center 1-800-626-2005 www.geappliances.com

Free Braille overlays and special knobs for visuallyimpaired customers with GE, Hotpoint or post-1988RCA major appliances, Give model and serial number.

Kentucky office for the blind (859) 246-2111 or 1-800-291-8424153 PATCHEN DR., SUITE 17, LEXINGTON 40517www.blind.ky.gov

Helps those who are experiencing difficulties with dailyliving activities or employment because of substantialvision impairment, which cannot be corrected byconventional glasses or lenses. Services can be providedat no cost to eligible individuals.

Kentucky Vision project (502) 875-3516KENTUCKY OPTOMETRIC ASSOCIATION,514 CAPITAL AVE., PO BOX 1422, FRANKFORT 40602www.kyeyes.org

lexington public libraryOUTREACH SERVICES AND BOOK BUDDIES (859) 231-5519 CABLE CHANNEL 20 (859) 231-5577www.lexpublib.org

The library offers large print books, audio books, andhosts discussion groups in the community. The library’sCable Channel 20 has programs in which various booksare read aloud. The Lexington Herald-Leader is readaloud Monday through Saturday from 8:00 to 10:00 A.M.

lighthouse international 1-800-829-0500www.lighthouse.org

Programs about age-related vision impairment.Resources for visually impaired. M–F, 9 A.M.–5 P.M.

lions club eye glass program (859) 523-3033PO BOX 13182, LEXINGTON 40583

Provides eyeglasses for those who cannot afford themin Fayette Co. You may call and request anapplication, or pick one up at the health department.

low Vision services of Ky (859) 977-1129120 NORTH EAGLE CREEK DR., STE. 500, LEXINGTON 40509

Helps the visually impaired maximize remaining visionand improve quality of life when medical treatment orsurgery is longer effective. Low vision devices: hand-held and stand magnifiers, telescopes, high-poweredreading glasses, video magnifiers and more.

retina Associates of Kentucky (859) 263-3900120 NORTH EAGLE CREEK DR., STE. 500, LEXINGTON 40509www.retinaky.com

Diagnoses and treats many retina disorders. Retinaldetachments, age-related macular degeneration,diabetes-related conditions, and histoplasmosis. See our Amsler Grid and ad on Page 57.

TDD/TTY is a device which enables the hearing and speechimpaired to communicate via written phone messages.

cardinal hill rehabilitation hospital (859) 254-57012050 VERSAILLES RD., LEXINGTON 40504www.cardinalhill.orgCardinal Hill has built a reputation over the years notonly for its rehab expertise, but also for the kind andcompassionate care. Cardinal Hill provides specializedprograms for individuals needing Inpatient and SkilledRehab Services, Outpatient programs or Home HealthCare. The staff at Cardinal Hill is unmatched inexperience and training which allows us to provide toprate care to our patients and their families.

speech & heAring DisAbilities

VisuAl DisAbilities

communicative Disorders Kentucky clinic 1-800-333-8874 or (859) 257-3390UNIVERSITY OF KENTUCKY, 740 SOUTH LIMESTONE, 3RD FLOOR, LEXINGTON 40536

Audiology Program offers a full range of audiologyservices. Basic and advanced diagnostic testing,including hearing evaluation, electrophysiologicalassessment and balance assessment for both pediatricand adult patients. Neuroaudiology program providespatients with diagnostic services of auditory processingdisorders. A comprehensive rehabilitation program isavailable which includes assistive listening devices andhearing aid evaluation, consultation and fitting.Comprehensive cochlear implant program providingservices to patients of all ages.

hear now 1-800-328-8602STARKEY HEARING FOUNDATION, 6700 WASHINGTON AVE. S., EDEN PRAIRIE, MN 55344www.starkeyhearingfoundation.org

Provides hearing aids to low income hearing impaired.Must have documented hearing loss. Covers cost ofhearing aids and molds. Contact your audiologist.Application available online. Hear Now collectshearing aids for recycling purposes.

hearing loss Association of America (301) 657-2248TTY (301) 657-2249 7910 WOODMONT AVE., STE. 1200, BETHESDA, MD. 20814www.hearingloss.org

Kentucky commission on the Deaf and hard of hearing TTY 1-800-372-2907632 VERSAILLES ROAD, FRANKFORT 40601www.kcdhh.ky.gov

The Kentucky Commission on the Deaf and Hard ofHearing provides referral and advocacy services to theCommonwealth’s deaf and hard of hearing consumers.The agency also offers assistive communicationsequipment to consumers who qualify through theTelecommunications Access Program (TAP).

Kentucky relay service 1-800-648-6057TTY 1-800-648-6056CUSTOMER SERVICE 1-800-676-3777 www.kentuckyrelay.com

24-hour access to phone lines. Enables deaf and hearingimpaired who use TDD/TTY devices to communicatewith each other and those who do not use the devices.

lexington hearing and speech ctr. (859) 268-4545350 HENRY CLAY BLVD., LEXINGTON 40502www.lhscky.org

Lexington Hearing & Speech Center provides qualitycommunication services for the whole family. Adultclients can enjoy comprehensive hearing evaluationsand state-of-the-art solutions for every hearing need.Hearing devices are competitively priced, and wecontract with many private insurances and stateprograms to provide access to hearing devices for allwho need them.

lexington lions club (859) 266-6969 or 333-0490HEARING & SPEECH ACTION COMMITTEE

858 RIDGEVIEW DR., FRANKFORT 40601One new in-the-ear hearing aid to income eligibleindividuals, primarily senior citizens for whom noother resources are available. Application must have anup-to-date hearing evaluation. There will be a charge,not to exceed $50 for fitting of the hearing aid.

uK communication Disorders clinic (859) 257-7918900 SOUTH LIMESTONE, CHARLES T. WETHINGTON BLDG, ROOM

110, LEXINGTON 40536Diagnoses and treats speech and language disorders.Services are available to those with difficulties incommunication resulting from hearing, speech, language,swallowing, and voice disorders. In addition to theoutpatient clinic, a graduate student-run speech-language pathology clinic is also housed in this space.

American Automobile Assoc. (AAA) 1-800-546-6222Lists accessibility for those with hearing impairmentsand wheelchairs as a feature of the hotels, motels andrestaurants included in annual travel tourbooks.

nat. mobility equipment Dealers Assoc. 1-866-948-8341www.nmeda.org

Addresses issues of adaptive equipment liability,standards and quality assurance.

CHRYSLER CORPORATION 1-800-255-9877FORD 1-800-952-2248FORD TDD/TTY 1-800-tDD-0312GENERAL MOTORS 1-800-323-9935GENERAL MOTORS TDD/TTY 1-800-tDD-9935LEXUS 1-800-225-3987SATURN 1-800-553-6000TOYOTA 1-800-331-4331VOLVO 1-800-803-5222

Provides assistance to people with disabilities who areinterested in buying and/or adapting a vehicle.

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Medicare Part B can help pay for the rental or purchaseof durable medical supplies such as oxygen equipment,wheelchairs, and other medically necessary items foruse in your home. A doctor’s prescription is necessary.

Ablecare (859) 253-5353 or (859) 455-6959349 OLD VIRGINIA AVE., LEXINGTON

cooley medical supply (859) 281-60441316 S. BROADWAY SUITE 100, LEXINGTON 40504www.cooleymedical.com

grogan’s healthcare supplies (859) 254-6661 or 1-800-365-10201016 S. BROADWAY, LEXINGTON 40504www.grogans.com

premier homecare (859) 623-50281060 CENTER DR., RICHMOND 40475www.premierhomecareinc.com

superior Van & mobility (859) 253-1832 or 1-800-458-82561080 EAST NEW CIRCLE RD., LEXINGTON 40505www.superiorvan.com

transitions mobility and elevator, llc (859) 299-0068 or 1-877-341-3555721 NATIONAL AVE., LEXINGTON 40502www.transitionsmobility.com

central baptist hospital lifeline (859) 260-6217 or 1-800-891-74751740 NICHOLASVILLE RD., LEXINGTON 40503www.centralbap.com

Direct link (859) 381-8996PO BOX 910509, LEXINGTON, KY 40511www.homecarelexington.cc

guardian medical monitoring 1-888-349-2400www.guardianmedicalmonitoring.com

project lifesaver (859) 258-3629LEXINGTON FAYETTE URBAN COUNTY GOVERNMENT DEPARTMENT

OF PUBLIC SAFETY, LFUCG DEPARTMENT OF SOCIAL SERVICES, AND OFFICE OF THE FAYETTE COUNTY SHERIFF150 EAST MAIN ST., LEXINGTON 40507 CLARK COUNTY (859) 744-1587WINCHESTER FIRE EMS, 44 N. MAPLE EXP., WINCHESTER 40391ESTILL COUNTY (606) 723-2661ESTILL CO. FIRE DEPT., 202 WHISPERING WOOD RD., IRVINE 40336FRANKLIN COUNTY (502) 875-8740FRANKLIN CO. SHERIFF’S DEPARTMENT

JESSAMINE COUNTY (859) 885-9467JESSAMINE CO. POLICE DEPARTMENT

MADISON COUNTY (859) 623-1164RICHMOND FIRE DEPT., 200 N. MAIN ST., RICHMOND 40475WOODFORD COUNTY (859) 873-3119WOODFORD CO. SHERIFF’S DEPT., 103 S. MAIN ST., VERSAILES 40383

Searching and rescue of persons with Alzheimer’sDisease and related disorders who become lost. Peoplein the program wear a personalized bracelet that emitsa tracking signal. When caregivers notify agencies that theperson is missing, a SAR team responds to the wanderer’sarea and starts searching with the mobile locatortracking system. The consumer pays the full cost ofthe transmitter, and a fee for monthly maintenance.

senior helpers of the bluegrass (859) 296-2525 3070 HARRODSBURG ROAD, SUITE 240, LEXINGTON 40503www.seniorhelpers.com/lexingtonFRANKFORT OFFICE (502) 226-3393www.seniorhelpers.com/frankfort

Through our affiliation with Guardian MedicalMonitoring, Senior Helpers provides a well establishedline of monitoring equipment including personalemergency response systems, automatic pill dispensers,floor mat alarms and door contacts to assist seniors whoare at risk of falls, forgetting medication or wandering.

monitoring systems

medical equipment & Adaptive Devices

Emergency Response monitoring systemssummon help 24 hours a day. In eithervoice or non-voice activated units, thealert goes out to a response center whichtries to contact the subscriber, then pre-designatedpersons if necessary. Some have a timer optionwhere, if the subscriber does not reset a button every24 hours, an alert is sent to the response center.

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health-related Agencies & servicesMost agencies provide advocacy, counseling, supportand a speaker’s bureau. Hospitals and senior centers provide health and wellness programs.

community health charities of Kentucky (502) 581-0203 or 1-888-336-3611STATEWIDE OFFICE,310 W. LIBERTY ST., STE. 604, LOUISVILLE 40207www.chcofky.org

Programs and services to aid and educate families affectedby a host of devastating diseases and conditions. Servicesinclude funding for medical research, publiceducation, advocacy and patient support services.

lexington-fayette health Department (859) 288-2437805-B NEWTOWN CIR., LEXINGTON 40511www.lexingtonhealthdepartment.org

Confidential, free testing and results provided onwalk-in basis Mon., 1-4 A.M., Wed., 8:30-11:30 A.M.,Thurs., 1-4 P.M.

AiDs Volunteers, inc. (AVol) (859) 225-3000225 WALTON AVE., STE. 110, LEXINGTON, 40502www.avolky.org

Compassionate services for those facing the challengesof HIV and AIDS in Central and Eastern Kentucky.

Alcoholics Anonymous (859) 225-1212 OUTSIDE FAYETTE COUNTY 1-800-467-8019www.alcoholics-anonymous.org

Provides pamphlets and information about alcoholicsanonymous meetings. Also has a public informationbureau. Telephone lines are available 24 hours/day.

Al-Anon/Alateen (859) 277-1877845 LANE ALLEN ROAD, LEXINGTON 40504www.lexingtonafg.com

Provides support and information for family andfriends of people with alcoholism.

see Alzheimer’s Disease on Page 36.

Arthritis foundation (502) 585-18662908 BROWNSBORO RD., STE. 117, LOUISVILLE 40206www.arthritis.org

Education, literature and telephone support. Warmwater exercise program. AF exercise, aquatic programs,and special events.

American cancer society (859) 260-83501504 COLLEGE WAY, LEXINGTON 40502www.cancer.org

Education and service programs. Serves the needs andinquiries of cancer patients, their families friends, andthe general public. Support groups and help services.

cancer information service 1-800-4-cAncerwww.cancer.gov

Free database with the latest information abouttreatments for over 80 types of cancer, prevention andscreening, and problems and conditions linked tocancer and its treatment. Descriptions of ongoingclinical trials. Office hours, 8 A.M.–8 P.M.; Instant mess.chat, 8 A.M.–11 P.M.

Kentucky breast cancer coalition 1-877-597-4655P.O. BOX 25088, LEXINGTON 40524www.kypinkconnection.com

central baptist hospital (859) 260-6413MAMMOGRAPHY APPTS. (859) 260-60501740 NICHOLASVILLE ROAD, LEXINGTON 40503www.centralbap.com

Breast health education, mammograms and breastultrasounds are available through this office. Call forfurther information.

charles i schwartz chemical Dependency treatment center (859) 246-7282627 WEST 4TH STREET ALLEN BUILDING, LEXINGTON 40508www.bluegrass.org

the bluegrass community and technical college Dental hygiene program (859) 246-6857ROOM 250, OSWALD BLDG., COOPER DR., LEXINGTON 40506

Wide range of preventive dental procedures. Allpatients are welcomed. $25 per visit for senior citizens.

univ. of Kentucky college of Dentistry (859) 323-6525800 ROSE ST., LEXINGTON 40536www.mc.uky.edu (click on “dentistry”)

Student dentists under faculty supervision provide afull range of dental services. Dental insurance accepted.

mission lexington Dental clinic (859) 519-8157 Sponsored by Calvary Baptist Church the clinic isstaffed by volunteer dentists. who are offering theirservices to adults in Lexington with no- or low- income.

AiDs/hiV

cAncer

Arthritis/lupus

Alzheimer’s DiseAse

AlcoholchemicAl ADDiction

DentAl serVices

HEALTH SERVICES


nathaniel mission (859) 255-0062616 DE RODE ST., LEXINGTON 40508www.nathanielmission.org

Dental services to those without insurance orgovernment assistance that live in Fayette County.

refuge ministries medical clinics (859) 225-4325525 CORRAL STREET, LEXINGTON 40508JESSAMINE CO. CLINIC, 215 EAST WALNUT ST., NICHOLASVILLE 40356www.refugeministriesky.org

American Diabetes Association 1-888-342-2383 www.diabetes.org

Provides literature about diabetes, as well as informationabout programs, educators, and doctors in your area.

epilepsy foundation Kentuckiana (502) 637-4440 or 1-866-275-1078KOSAIR CHARITIES CENTRE, 982 EASTERN PKWY., LOUISVILLE 40217

Education and counseling includes referral forhousing, education, health services and other needs.

Kentucky heart foundation 1-866-797-1544 2201 LEXINGTON AVE., ASHLAND 41101www.kyheartfoundation.com

incontinence is...• The loss of bladder or bowel control;• A medical condition, not a disease;• Not a “normal” part of growing old or the aging process;• A common condition that affects approximately 25

million Americans;• Treatable – a variety of options are available.

it is essential to contact a health professional todetermine the specific cause of incontinence. Thereare many specialists available to assist in anassessment of bladder control conditions and to providefurther information on treatment options.Organizations which can assist you with information ontreatment, products and services available include:

American urologic Association foundation 1-800-828-7866

national Association for continence 1-800-blADDerwww.nafc.org

simon foundation for continence 1-800-23-simonwww.simonfoundation.org

incontinence

heArt

epilepsy

DiAbetes

b my own case management/ contingency plan

List family, friends and/or agencies who help with these tasks, or could help in an emergency.

meal preparation/shopping or home-delivered meals:Name __________________________ Phone __________________

Name __________________________ Phone __________________

routine housework/laundry:Name __________________________ Phone __________________

Name __________________________ Phone __________________

Administer finances:Name __________________________ Phone __________________

Name __________________________ Phone __________________

home health care (including giving medication):Name __________________________ Phone __________________

Name __________________________ Phone __________________

transportation:Name __________________________ Phone __________________

Name __________________________ Phone __________________

feeding:Name __________________________ Phone __________________

Name __________________________ Phone __________________

bathing/dressing/grooming/toileting:Name __________________________ Phone __________________

Name __________________________ Phone __________________

care coordination/arranging for services (friendly visitor, telephone reassurance):Name __________________________ Phone __________________

Name __________________________ Phone __________________

Additional family, friends, agencies, church members, pastors, etc., that could be contacted for emergency help:Name __________________________ Phone __________________

Name __________________________ Phone __________________

Name __________________________ Phone __________________

Name __________________________ Phone __________________

Name __________________________ Phone __________________

Name __________________________ Phone __________________

Name __________________________ Phone __________________

Name __________________________ Phone __________________

HEAL

TH S

ERVI

CES


Kidney health Alliance of Kentucky (859) 277-82591517 NICHOLASVILLE RD., SUITE 203, LEXINGTON 40503www.khaky.org

Serves kidney disease patients and their families. Worksto increase awareness and early detection of chronickidney disease. Nutritional supplement program fordialysis patients, emergency financial assistance topatients, and educational and enjoyable patient activities.Speakers on kidney disease, free kidney healthscreenings for civic, school, and church events, and anemployer-sponsored kidney health screening program.

the leukemia & lymphoma society, Kentucky &southern indiana (859) 226-0764 or 1-866-775-8375836 EUCLID AVENUE, SUITE 316, LEXINGTON 40502www.lls.org

Provides support to patients and families dealing with ablood cancer diagnosis. Various services following thediagnosis of leukemia, lymphoma, or myeloma. Freeeducational materials. Financial assistance available (upto $100 per year) to individuals being treated for ablood cancer. Co-Pay assistance is available for somediseases from $500-$10,000.

American lung Association (502) 363-26524100 CHURCHMAN AVE., LOUISVILLE, KY. 40215www.kylung.org

Helps people with smoking cessation programs.

muscular Dystrophy Association (502) 456-14401941 BISHOP LN., #511, LOUISVILLE 40218www.mda.org

Direct services to patients with neuromusculardiseases including durable medical equipment,transportation to MDA clinic and brace fittings.

national multiple sclerosis society (859) 294-7060 or (502) 451-0014KENTUCKY-SOUTHEAST INDIANA CHAPTER

1201 STORY AVE., STE. 200, LOUISVILLE 40206www.nationalmssociety.org

Counseling, information and education. Outreachoffers therapy and support groups. Equipment loansand supplemental incontinence program.

Kentucky parkinson’s Disease info and referral center (859) 257-ApDA (2732) or 1-866-554-ApDA740 S. LIMESTONE STREET, L445, LEXINGTON 40536www.ukhealthcare.uky.edu/apda

Assists patients diagnosed with Parkinson’s disease, theirfamilies, caregivers and community through education,support groups, physician referrals, newsletters andmore. Contact the center for more information onservices or to be added to our mailing list.

lexington Area parkinson support group (859) 277-1040

Contact Elaine Keith or email [email protected].

parkinson support center of Kentuckiana (502) 254-3388315 TOWNEPARK CIR., STE. 100, LOUISVILLE 40243www.pscky.org

national stroke Association 1-800-787-6537www.stroke.org

A resource center that provides information on strokeincluding, prevention, recovery, and rehabilitation.

stroKe

pArKinson’s DiseAseKiDney

leuKemiA

lung

neuromusculAr DiseAses

It is important that you have a doctor who you trustand who pays attention to your needs. You may wantto consider switching doctors if the following occur:

• Your doctor always seems rushed.• Doesn’t examine you thoroughly.• Doesn’t remind you about important screening tests,

such as mammograms and DRE’s.• Doesn’t answer your questions satisfactorily or in

terms you can understand.• Doesn’t take notes on your condition.• Doesn’t listen to your concerns.• Files health-insurance claims that your insurance

company often rejects – perhaps because of sloppyrecord-keeping.

• Often misplaces your test result or chart.• Bill your insurance company for tests or procedures

you did not receive?.

make sure you Are treated properly by your Doctor.

HEALTH SERVICES


b home safety checklist

home exterioro o o Address visible from the streeto o o Entrance well lit, visible and barrier-freeo o o Walkways sound and eveno o o Steps in good condition and eveno o o Handrails present and securely fastened

Kitcheno o o Stove and sink areas well lito o o Stove located away from window

with curtainso o o Pan handles turned away when cookingo o o Garments with long, loose sleeves not

worn while cookingo o o Hot pad gloves used rather than hot

pad holderso o o Countertops/work areas clean and safeo o o Fire extinguisher or baking soda

accessible to stove area

bathroom(s)o o o Bathtub/shower equipped with nonskid

mat or stripso o o Grab bars securely installed and

used properlyo o o Raised toilet is right height and

securely installedo o o Faucets are easily operated and

marked “hot” and “cold”o o o Electrical appliances are kept away

from bathtub areao o o Shower curtains are adequate height to

avoid tripping

bedroomo o o Bed is adequate heighto o o Night light is usedo o o Flashlight or lamp is kept at bedside

medication and medical equipmento o o Medical equipment stored safelyo o o Equipment cords/plugs intacto o o Oxygen safety procedures postedo o o Medication stored in temperature-

appropriate placeo o o Medication dated and reflects

effective dateso o o Medications accessibleo o o Takes medications at appropriate times

home interioro o o Security system in place and in

working ordero o o Security bars, lexon or polycarbonate

on doors and windowso o o Easily managed deadbolt on all

entry doorso o o Temperature within comfortable rangeo o o Thermostat easily reached and

adjustableo o o Functional smoke detector on

each levelo o o Phones accessible in major living areaso o o Pictures, objects on walls securely hungo o o Emergency numbers posted by

each telephoneo o o Ability to dial emergency numbers

when necessaryo o o Cords/plugs on all appliances, lamps,

phones are clean, in good condition andout of pathways

o o o Interior steps/stairs in good conditionwith sturdy railings

o o o Light switches located at top andbottom of stairs

o o o All stairwells and long hallways well lito o o Adequate lighting in all work areaso o o All pathways clear of clutter and debriso o o Hazardous household agents stored in

a safe placeo o o Space heaters placed away from rugs

and curtainso o o Hallways, bedrooms and bathrooms

have night lightso o o Rugs intact and securely fastenedo o o Extension cords not used or are

safely securedo o o Walkers/wheelchairs/canes easily

maneuveredo o o All usable furniture, chairs, stools,

tables sturdy with no weak parts

general safetyo o o A safety exit is planned for emergencieso o o Maintains daily contact with people

outside the home

yes no n/A yes no n/A

Adapted by ADR Associates. Reviewed and revised by Missouri Gateway GeriatricEducation Center Injury Prevention Project 10/97

Housing & SkilledHealthcare FacilitiesHandy forms and guides in this section:Is Nursing Home Placement the Correct Decision? . . . . . . . . . . . . . . . . .65Is Staying at Home the Healthiest or Best Financial Alternative? . . . . . . . .68Types of Housing w/Care Services . .70-71Independent/Assisted Living Checklist . .74

Advertisers in this section include:

Assisted Living CommunitiesCouncil Oaks Assisted Living Home . . . .73Hartland Hills . . . . . . . . . . . . . . . . . . . . .67Lexington Country Place . . . . . . . . . . . .67Liberty Ridge . . . . . . . . . . . . . . . . . . . . . .69Mayfair Village Retirement Community . . . . . . . . . . . .73

Morning Pointe of Lexington . . . . . . .Inside Front Cover, 65

The Villa at Chevy Chase . . . . . . . . . . . .77


Monthly Income (including savings)Social Security incomePensionUnion/VA benefitsInterests, annuitiesDividendsOther assetsOther ResourcesMedicare insurancePrivate insuranceAssetsTotal Income and Resources

Skilled carePersonal careTherapiesPharmacyMedical equipment/suppliesOtherTotal Nursing Home CostIncome/Cost Variance

Accessibility remodelingAdult day careCompanionshipEmergency responseFriendly visitorsHome chore servicesHome delivered mealsIn-home personal careIn-home skilled careTelephone reassuranceTransportationRespite careTotal

Home remodelingBoard and careAssisted livingCongregate housingSeniors apartment

Is nursing home placement the correct decision? This chart will help you sort out what optionsare available and affordable.

Availability/Monthly CostSERVICES TO ENABLE ONE TO REMAIN AT HOME

MONTHLY NURSING HOME COST FOR:

FINANCIAL RESOURCES

ALTERNATIVE HOUSING ARRANGEMENTS

b

Housing Options

Pathways - Information for Older Adults 2013 Edition66

HOUSIN

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There are many housing and living choices. Manyapartment units have been built especially for older persons.Some apartment houses may be the site of a senior centeror a congregate meal program. Others have transportationand outreach programs with a nearby senior center.

Adult and Tenant Services and Housing Counseling (859) 258-38101055 INDUSTRY ROAD, LEXINGTON 40505www.lfuchrc.org

Provides limited financial and housing assistance,crisis intervention, and counseling to residents 18 andolder in Fayette County.

Housing Authority (859) 281-5060TDD: (859) 281-5054LEXINGTON-FAYETTE URBAN COUNTY300 WEST NEW CIRCLE RD., LEXINGTON 40505www.lexha.org

Eligibility: Low-income persons.Cost: Rent is based on income.This agency is in charge of all Lexington-FayetteCounty public housing, with 330 apartmentsespecially for older persons. Apartments are rented tolow-income persons. Applications are taken Monday8:30-4:00 and Tuesday 8:30-6:00.Emergency Housing - Local emergency housing forsenior citizens is not available. If you have an emergencysituation, you may utilize the Federal Housing PreferenceWaiting List or contact the Salvation Army EmergencyShelter located at 736 West Main St. by calling (859)252-7706. Limited financial assistance for emergencyhousing may be available through Community Action at(859) 233-4600 or Volunteers of America (859) 254-3469.For abuse situations, contact the Cabinet for Healthand Family Services Adult Protective unit in your areaor your local law enforcement agency. A limited numberof temporary shelters are available for such cases.

Homestead Exemption Act (859) 246-2722PROPERTY VALUATION ADMINISTRATOR101 E. VINE ST., SUITE 600, LEXINGTON 40507www.fayettepva.com

The Homestead Exemption is available to homeownersage 65+ or those who are disabled. Applicants must ownand maintain the home as their primary residence andcannot have a similar exemption on any other property.For 2013, the exemption reduces the home’s taxablevalue by $36,000. In order to receive the exemption,applicants must complete a one-page application andprovide proof of eligibility. Visit the website above tolearn more about what documents can proveeligibility and to print the application, or call the PVAOffice to request an application or more information.

Kentucky Housing Corporation (502) 564-7630 or 1-800-633-88961231 LOUISVILLE RD., FRANKFORT 40601www.kyhousing.org

Administers federal programs including rental assistancethat make safe, decent, affordable housing available.Offers programs to homeless, low-income families forrental housing financing and rehabilitation, homeownership education, and home repair initiatives.

REACH, Inc. (859) 455-8057733 RED MILE RD., LEXINGTON 40504www.reachky.com

Private nonprofit organization committed to makinghome ownership more affordable to low income tomoderate-income families in Fayette and surroundingcounties. Through the program, loans may be availablefor first-time down payments and closing costs.

A Sense of Order (859) 321-7357

Caring Transitions (859) 543-98481411 DELAWARE AVE., LEXINGTON 40505www.estatemovegreaterlexingtonky.com

S.O.S. Professional Organizer, Inc. (859) 396-4410

See also Home Health Care and Home Repair.

If I wish to remain in my own home, what serviceswill I need, and can I afford them? What about:• Repair/maintenance, home adaptation remodeling?• Personal and nursing care assistance?• Cooking?• Companionship, safety and reassurance?

If I choose to move to an adult living community, will I have:• Privacy?• Emergency assistance and security?• Frequent laundry and housekeeping service?• Access to transportation, shopping and preferred worship?• My own furnishings?• A place that feels comfortable?• Good food and a selection of food?• My preferred diet and have in-room tray service if Idecide I’m not feeling well?• My own phone? And be able to have my family andfriends visit when I like?• Scheduled activities that I like?

Do I:• Need respite care?• Like the decor and feel at home?• Feel comfortable with the worship services?

INFORMATION & ASSISTANCE

MOVING/ORGANIZATION ASSISTANCE

QUESTIONS TO ASK


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• Like the management, the people, their approach, philosophy and styles?• Understand all room costs and additional fees?• Feel secure about the financial stability of the owners/ management?• Insurance and billing help?

Adult Day Services or Day TreatmentA social model Adult Day Program can often provide abridge for persons wishing to remain at home, butneeding supervised activities, socialization and meals.A health model Adult Day Program is appropriate for afrail older adult also needing assistance withmedications, physical therapy and some personal care.Can also provide respite for families and serve as an“outing” for persons seldom able to leave home.

Assisted LivingThese facilities offer health care and socializationbenefits. They can sometimes be an alternative tonursing home care. Persons who wish to live asindependently as possible can receive help withbathing, grooming, meal service and reminders fortaking medications. Many retirement communitieshave assisted living service.

Congregate LivingPersons still reside in an apartment unit but three

meals, social activities and housekeeping may beprovided. There are many types of congregate livingoptions, including seniors apartment buildings,retirement communities, continuing care retirementcommunities, and shared homes.

Continuing Care Retirement CommunitiesOffer a continuum of services—independent livingcottages or apartments, assisted living and a nursingfacility on-site or nearby. Some charge an entrance/membership fee (or an endowment) that can vary by lifeexpectancy. The range is between $2,000 – $150,000+and enables reduced monthly rates. Some fees arepartially refundable according to pre-arranged publishedterms. Some CCRCs guarantee lifetime continued carefor as long as you reside in the community.

SENIOR HOUSING TERMS


HOUSIN

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Family Care HomesPrivately operated facilities that provide a room, three meals a day and personal care such as help withbathing, dressing, getting in and out of bed and 24-hour protective oversight. In Kentucky, homes aremonitored by the Long Term Care Ombudsman.

Independent LivingIs a broad term encompassing many types of housing options including independent living within acongregate housing setting. “Independent living”means that a person is able to maintain his or her ownliving area and attend to personal care needs.

Nursing Homes/Skilled Nursing Facilities24-hour medical care for those (including post surgicalpatients) who need skilled or intermediate nursing care.

Personal Care HomesIn Kentucky, some facilities can be designated PersonalCare Homes. These are facilities for the care of aged orinvalid persons who do not require care in excess ofroom, board and laundry. State supplementation maycover the cost of this care for low-income residents.Medicines are dispensed by staff, which is more thanassisted living staff are legally allowed to do.

Retirement CommunityA facility for older adults with amenities such astransportation and organized activities. On-site meals,banking, health screenings, pharmacy and shopping maybe available. All require monthly rental fees with varyinglease terms, security deposits and rental agreements.There are both profit and not-for-profit facilities.

Senior Apartment BuildingSome apartments rent only to those over a certain age.The units may be equipped with amenities and providesome services to specifically benefit older adults.

Shared HousingOlder, unrelated persons who are independent but do notwish to live alone may reside in a family-type boardingatmosphere with shared dining, living and recreationalrooms, while maintaining a private bedroom. Expensesfor food, utilities and housing costs are also shared.

Subsidized ApartmentsIf you meet low income qualifications, governmentprograms will pay additional housing costs thatexceed 30-35% of income. Can be long waiting lists.

Major HouseholdProperty taxes $ ________ $ ________Home insurance $ ________ $ ________Air conditioning/heat $ ________ $ ________Water $ ________ $ ________Mortgage or rent $ ________ $ ________Condo or association fee $ ________ $ ________MaintenanceGeneral home repairs $ ________ $ ________Accessibility repairs $ ________ $ ________Trash removal/recycling $ ________ $ ________Lawn care $ ________ $ ________Household chores $ ________ $ ________Painting $ ________ $ ________Cleaning $ ________ $ ________Exterminating $ ________ $ ________Security system $ ________ $ ________PersonalGroceries $ ________ $ ________Laundry $ ________ $ ________Emergency response system $ ________ $ ________Car or bus expenses/insurance $ ________ $ ________Medication reminders $ ________ $ ________Cable TV $ ________ $ ________Health club fee/exercise programs $ ________ $ ________TOTAL $ ________ $ ________

Is Staying at Home the Healthiest or Best FinancialAlternative? Here are questions for consideration and aworksheet to help you decide.

CONSIDERATIONS

• Are you eating right?• Who can be there to help you when you are sick?• Are you taking proper care of your home?• Do you feel safe?• Are you lonely?• Can you get out in the winter when you need bankingservices, groceries and medicine?• How do you get to church, shopping and doctor’sappointments?• Are you afraid of falling?

At Home

RetirementCommunity orSenior Apt.

MONTHLY EXPENSES

b

If you are a member of a Medicare HMO,understand what skilled nursing and rehabfacilities are on the plan’s provider list. Youor a loved one may live in a continuouscare retirement community, but the skillednursing center at the community is not on the provider’splan. You may have to receive skilled care in a provider’scontracted facility outside of your community.

TAKE NOTE

Independent Living CommunitiesAshland Terrace Retirement Home(859) 266-2581475 SOUTHASHLANDAVE., LEXINGTON 40502

Hartland Hills(859) 273-12121005 TANBARK RD., LEXINGTON 40515

Legacy Home Ministry(859) 494-4525938 DELAWARE AVE., LEXINGTON 40504

Liberty Ridge Senior Living(859) 543-9449, or 1-800-264-0840701 LIBERTY RIDGE LN., LEXINGTON 40509www.libertyridge.com

See description in Senior Housingwith Continuum of Care Options

Mayfair Village Retirement Center(859) 266-21293310 TATES CREEK RD., LEXINGTON 40502

Richmond Place Ret. Community(859) 269-63083051 RIO DOSA DR., LEXINGTON 40509

Rose Mary C. Brooks Place(859) 745-4904200 ROSEMARY DR., WINCHESTER 40391

Sayre Christian VillageFriendship Towers(859) 271-9001580 GREENFIELD DR., LEXINGTON 40517

Wesley Village(859) 858-38651125 LEXINGTON RD., WILMORE 40390


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State licensed, community-based residences thatprovide 24-hour supervision and personal care to 1 – 3non-related persons. Personal care includes room,meals, laundry, cleaning, supervision of medications,and assistance with activities of daily living, such asbathing, dressing, and grooming. Family Care Homesare intended to promote family-like care of residents.Most residences are actually private homes in whichresidents may have a shared or private room, andcommunal dining and living area.

Individual operators of Family Care Homes determinethe cost of care and services provided. In general,monthly fees may range from $600 – $2,000/month,depending on the type of home and services provided.

Because Family Care Homes promote a family-likeenvironment, residents should feel comfortable with theoperator, family members living at home, and otherresidents. When considering placement within a FamilyCare Home, potential residents should openly discusstheir schedules, personal needs, diet, medications,social activities, likes, and dislikes with the operator.Additionally, consumers should give consideration to thelocation of the home, its general condition, and theoperator’s training and professional experience.

For more information, a complete listing, or placement, contact:

Family Care Home Services of the Nursing Home Ombudsman Agency of the Bluegrass (859) 277-9215 or (877) 787-0077, www.ombuddy.org

FAMILY CARE HOMES

Home SweetHome

Type of Care

LicensingRequirement

Certification

ResidentsRights perStatute

Living Space

PersonalServices

Skilled Nursing Facility

Care needsdetermined byassessment;usually includetherapies. Medicaid -“high intensity” mayalso be called sub-acute, rehab, orextended care

State License

Federal, if Medicaidor Medicare beds

All state andfederal rights,including transferand discharge

Number of bedsapplied for by theowner and grantedby the state.Residents sharerooms; a fewprivate rooms areavailable;congregate livingspace.

Professional andsupportiveservices. Therapiesoften by outsidecontractor.

Nursing Facility

Care needsdetermined byassessment;Medicaid—“lowintensity,”“intermediate,” or“custodial care.”

State License

Federal, ifMedicaid beds.

All state rights(and federal ifparticipating inMedicaid),including transferand discharge

Limited to numberof beds applied forby the owner andgranted by thestate; residentsshare rooms; afew private roomsare available.Congregate livingspace.

Professional andsupportiveservices, smallfacilities cancontract forservices

Personal Care Homes

Communityhousing-manyhaveprofessionalstaff. Musthave stateapproval tooperate.Usually manyresidents

State License

None

All staterights,includingtransfer anddischarge

Limitednumber ofbeds appliedfor by theowner andgranted by thestate; usuallyprivate orsharedbedrooms withcongregateliving space

Non-professionalsupportiveservices-24 hr.supervision;can receiveassistancewith activitiesof daily living:bathing,eating,dressing.

Family CareHomes

CommunityHousing limitedto 2-3residents;managed by anowner-operator

State License

None

State rightsexcept fortransfer andexchange

In a privatehome; usuallysharedbedroom;access to allliving space inthe home

Non-professionalsupportiveservices-24 hr.supervision; canreceiveassistance withactivities of dailyliving: bathing,eating, dressing,grooming,toileting, mustbe mobile ormobile non-ambulatory.

Assisted Living

Community Housing

None

Required

Ordinarycitizens rights

Independentapartment;features lockeddoors, privatetoilet andshower

24-hour non-professionalsupport services.Can receiveassistance withADLs, i.e.,bathing, eating,dressing,grooming,toileting,transferring,and self-administration ofmedicine.

IndependentCommunity

Living in yourown home orapartment

None

None

Ordinarycitizens rights

Can beadapted toaccommodatespecial needs

Familyfriends, paidnon-professionalhelp,volunteers.

b Types of Housing with Care Services


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HealthServices

InspectionSchedule

Oversight

Payer Source

OmbudsmanService

Notes:

Skilled NursingFacility

R.N.- 1 shift/day, 7days/per week, otherstaff to meet theneeds of residents,therapies often byoutside contractor.

9-15 monthschedule by Officeof the InspectorGeneral; federalinspection possible

Community BasedServices if abuse,neglect, orexploitation alleged

Private funds,Medicaid,Medicare, VAcontract, insurance

Yes

Care plans are acrucial piece toreceiving qualitycare; even if this isa unit in a hospital,it is still a nursingfacility

Nursing Facility

R.N. – 1 shift perday, 7 days perweek. Other staffmeet the needs ofresidents.

9-15 monthschedule by Officeof the InspectorGeneral; federalinspection possible

Community BasedServices if abuse,neglect, orexploitationalleged

Private funds,Medicaid, VAcontract,insurance

Yes

Care plans are acrucial piece toreceiving qualitycare

PersonalCare Homes

No professionalstaff required,may beavailable or bycontract fromhome health

Annually bythe stateOffice of theInspectorGeneral

Every sixmonths byDepartmentfor CommunityBasedServices

Private funds,statesupplement;VA contracts

Yes

Residentsmay have aMedical Card(Medicaid) butthis does notpay for theirstay in thefacility

Family CareHomes

No professionalstaff, homehealth may beused

Annually by thestate Office ofthe InspectorGeneral

Every sixmonths by theDepartment forCommunityBased Services(DCBS)

Private funds,statesupplement; VAcontracts

Yes

Residents mayhave a MedicalCard (Medicaid)but this does notpay for their stayin the facility

AssistedLiving

By contract withoutside entity.

1-yearcertification byDept. of Agingand IndependentLiving

Department ofAging andIndependentLiving

Private funds

No, except forinformation andreferral;placementinformationwhen requested

Leaseagreements arethe key issue inthis setting;services offeredmay vary;required to helpclients findappropriatelivingarrangementupon givingthem a moveout notice

IndependentCommunity

By contractwith outsideentity, familycan oftenperform.

Not applicable

Department ofCommunityBased Svcs. ifthere is referralfor neglect byself or caretaker

Private funds,there is somesubsidizedhousingavailable; somerenovationassistanceavailable

No

b Types of Housing with Care Services (continued)

Chart compiled by Nursing Home Ombudsman Agency of the Bluegrass


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Rent-subsidized Housing for Independent Living

Ballard Griffith Towers(859) 281-5081/TDD (859) 281-5054650 TOWER PLAZA, LEXINGTON 40508

Ballard Bldg: 134 units, must be 62+.Griffith Bldg: 183 units, must be 55+.

Briarwood Apartments 204 Units(859) 272-34211349 CENTRE PKWY., LEXINGTON 40517

Central Christian ChurchApartments 68 units(859) 252-3671249 EAST SHORT ST., LEXINGTON 40507

These are modern apartment complexes withunfurnished units, but the kitchens are equipped withstoves and refrigerators. Each complex offers a varietyof programs and social activities for residents. Many ofthe complexes have waiting lists, so apply early.

ELIGIBILITY: Generally, individuals aged 62 and olderwho are able to live independently, handicapped, anddisabled individuals. Call each facility for requirements.COST: Dependent upon one’s income. Call each facilityfor more information.


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Accessibility Work...Includes home modifications suchas handrails, guardrails, bathroom grab bars,wheelchair ramps to enable an older ordisabled person to live safely at home.

Chore Services...Cleaning beyondnormal homemaking. It includesheavy duty tasks such as floor orwindow washing, yard work and pest controland other types of home maintenance.

Retrofitting...Retrofitting a home is to modify it toinclude new items or improvements that enhance safetyand lifestyle. Examples would be appliances thatautomatically shut off, installation of grab bars or showerseat, large size clock and home elevator or chair lift.

Community-Wide Housing (859) 258-3070REHABILITATION PROGRAM, DIV. OF COMMUNITY DEVELOPMENT200 EAST MAIN ST., LEXINGTON 40507www.lfucg.com/communitydevelopment

Must own and live in your home in Fayette Co. andmust meet income and asset guidelines. Provides up to$38,000 for homeowners to correct code violations,make modifications related to the occupant’shandicap, and make the home more energy efficient.For persons who are low income, there are nomonthly payments. For persons who are moderateincome, 20 yr. loans of 0%, 1% and 2% are available.

Division of Building Inspection (859) 258-3770DEPARTMENT OF PUBLIC WORKS AND DEVELOPMENT101 EAST VINE ST., LEXINGTON 40507www.lexingtonky.gov

Call If you are planning to build an addition orremodel your home. For counties outside Fayettecontact your local government number

Handyman Connection (859) 276-1811 or 1-888-330-85331910 HARRODSBURG ROAD, SUITE 203, LEXINGTON 40503www.handymanconnection.com

Repair Affair (859) 276-26932250 REGENCY RD., LEXINGTON 40503www.lbar.com

Repairs limited to Fayette Co. homeowners age 60+who meet income guidelines. No cost to homeowner.

RAMP (859) 276-26932250 REGENCY RD., LEXINGTON 40503

Ramps/alterations made to improve handicap access. Forelderly residents or disabled meeting income guidelinesin our 11 county jurisdiction. Call for application.

Universal Design Group (859) 273-92354497 CRAWLEY LN., LEXINGTON 40515

Universal Home Design and Modifications (859) 273-1122SUSAN BACHNER CONSULTING, 810 DELONG RD., LEXINGTON 40515

n WEATHERIZATION PROGRAMSLexington Community Action Council (859) 233-46007010 W. HIGH ST., LEXINGTON 40508www.communityactionky.org

Community Action Council (502) 875-5863WEATHERIZATION PROGRAM (859) 233-4600www.kaca.org

Energy audits conducted to locate areas where energycan be conserved. Repairs may include caulking, weather-stripping, minor wall and roof repair, insulating atticsand floors and repairing or replacing heating systems.Seniors get special priority. Must be at or below 200%of federal poverty guidelines. Serving Bourbon,Harrison, Nicholas, and Fayette Co’s. If outside FayetteCo. please contact your local Community Action.

Clutter Cutters, LLC (859) 269-5019611 CAMINO DR., LEXINGTON 40502

Options – Oh My! (859) 333-8239www.optionsohmy.com

SENIOR OPTIONS Senior Options (859) 293-0388P.O. BOX 55338, LEXINGTON 40505

ERRAND AND OTHER SERVICES

Home Repair & Maintenance


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Assisted Living CommunitiesBeehive Homes(502) 875-384810 HUDSON HOLLOW RD., FRANKFORT 40601

Council Oaks Assisted Living Home(859) 887-9382111 COCONUT GROVE, NICHOLASVILLE 40356

Hometown ManorGEORGETOWN (502) 570-9700LAWRENCEBURG (502) 859-3025

Liberty Ridge Senior Living(859) 543-9449,or 1-800-264-0840701 LIBERTY RIDGE LN., LEXINGTON 40509www.libertyridge.com

See description in Senior Housingwith Continuum of Care Options

Mayfair Village Retirement Comm.(859) 266-21293310 TATES CREEK RD., LEXINGTON 40502

Rose Mary C. Brooks Place(859) 745-4904 200 ROSEMARY DR., WINCHESTER 40391

Sayre Christian Village(859) 271-9001580 GREENFIELD DR., LEXINGTON 40517

Wesley Village(859) 858-38651125 LEXINGTON RD., WILMORE 40390

The Willows at Hamburg Health Campus(859) 543-03372531 OLD ROSEBUD RD., LEXINGTON 40509

Christ Church Apts. 168 Units(859) 254-7762137 ROSE ST., LEXINGTON 40507

Christian Towers Apts. 92 Units(859) 253-36251511 VERSAILLES RD., LEXINGTON 40504

Elm Tree Lane Apts. 25 UNITS(859) 243-0648 or (859) 253-3856214 ELM TREE LN., LEXINGTON 40507

Emerson Center 177 Units(859) 278-05262050 GARDEN SPRINGSDR., LEXINGTON 40504

First African Kanisa Apts. 59 Units(859) 389-9784471 PRICE RD., LEXINGTON 40508

Liberty Commons 42 Units(859) 264-80552101 CORNERSTONE DR. LEXINGTON 40509

Main Street Baptist Church Manor 63 Units(859) 263-5153428 DARBY CREEK RD., LEXINGTON 40509

Age 55 and over

Malabu Manor Apts. 80 Units(859) 278-5111137 MALABU DR., LEXINGTON 40503

Sayre Christian Village 140 Units(859) 271-90013816 CAMELOT DR., LEXINGTON 40517


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Entrance Fee/Terms

Lease Term/Deposit

Owner/Affiliation/Years in Business

Living Units Monthly Charge

r Studio

r One bedroom

r Two bedroom

r Cottage

Furnished for any of above

Food Service Monthly Charge

Breakfast: r Continental

r Full

Lunch

Dinner

In-room charge

Equipped kitchen: r Electric/gas

r Microwave

Utilities Monthly Charge

Air conditioning/heat

Housekeeping Monthly Charge

Housekeeping weekly/biweekly

Linens weekly/biweekly

Home Health Services Charge

On-site medical services/nurse/24 hours

Post surgery or acute illness

Phone call medication reminders

Pulse or blood pressure check in apartment

Assistance with bathing, grooming, dressing

Additional home health/medical care:

Additional Charges

Cable

Phone

Transportation

Other:

MONTHLY TOTAL

Safety and Security

r 24 hour entry monitor/security

r Locked entrance

r Sprinkler/smoke detector

24 hour emergency call

r in bathroom

r in bedroom

r Non-skid bathroom grab

r Hall handrails/guardrails

Social and Health Programs

r Activities planned (cultural,

educational, leisure, social)

r Exercise programs

r Health screenings

r Resident services coordinator

Transportation

r as personally needed

r as scheduled

Convenience and Errands

r Bank

Laundry

r in building (coin)

r onfloor (coin)

r unit hook-up

r Parking reserved

r Pharmacy

r Phone outlets pre-wired

r Post office

r Trash removal

Other:

r Bathing/personal held sprayers

r Cable TV hook-up/satellite dish

r Chapel

r Decor choice/allowance

r Draperies

r Exercise room

r Fireplace

r Fishing lake

r Furnished units

r Game room/activities

r Gardening area/greenhouse

r Gazebo

r Guest rooms

r Individual patio/veranda

r Hot water dispenser

r Levered door handles

r Library

r Lockers

r Lounge with TV/without TV

r Meeting room & private dining

r Outdoor nature paths

r Pets allowed

r Pool/spa/Jacuzzi/sauna

r Private dining

r Putting green

r Workshop

Other:

BASIC FEE STRUCTURE AMENITIES SERVICES

b Independent/Assisted Living Comparison Checklist

Nursing facilities are not necessarily the “last step”for patients...If someone requires constant supervisionand there is no one to provide this care, nursing facilitiescan provide temporary respite and support. There aremany assisted living alternatives. A person does notnecessarily need to move into a nursing facility simplybecause he or she is having health problems or can’tmanage to live independently at home. Options dependupon the duration and type of services required as wellas the level of care that can be afforded.

Nursing facilities may be owned and operated by agovernmental unit such as the county or state, aphilanthropic or non-profit organization such as a church orreligious organization or a proprietary, for-profit corporation,family or individual. Philanthropic nursing facilities arenot necessarily less expensive than proprietary nursingfacilities. Many facilities have waiting lists.

Family members may feel frustrated or guilty about notbeing able to personally care for a parent or other closeolder adult. Nursing home administrators, religious andhealth care professionals, and the Long Term CareOmbudsman can provide helpful perspectives.

If Nursing Home Placement is the AppropriateOption. . .To make the transition most effectively, aprospective resident, the family, and physician must beinvolved in the decision-making process.• Encourage as much independent decision-making aspossible by the prospective resident.• Move as many personal effects as possible into theroom to foster familiarity and comfort.• Assure the person that a family member is alwaysreachable by phone.

Nursing Home Ombudsman Agency of theBluegrass (859) 278-6072 ext. 322,

(859) 277-9215, or 1-877-787-00771530 NICHOLASVILLE RD., LEXINGTON 40503www.ombuddy.org

Independent agency looking after the interests of long-term care residents with advocates assigned to eachnursing home in the 17-county area. Office has bookletsand information sheets available at no cost. These covera wide range of subjects from evaluating a nursingfacility to getting good care once you are admitted. Callfor information on any topic related to care in nursinghomes, personal care homes, or family care homes.

There are many complex financial and legal decisions tobe made for nursing home placement, and pre-planningis critical. Annual nursing home costs average $40,000.Families usually begin paying for nursing home care fromsavings. Medicare coverage of nursing home care isextremely limited. Most people deplete their savings andrely on government-funded Medicaid to pay for the cost.

Requirements for Medicaid Coverage• A resident’s total gross monthly income from any andall sources must be less than the monthly Medicaidreimbursement amount to the nursing home.• A resident’s countable assets cannot exceed $2,000. • A spouse living in the community may keep thecouple’s home, $80,760 in assets and $2,019 monthlyincome. (Cont. on )

GRIEVANCE RESOURCES

FINANCIAL AND LEGAL PRE-PLANNING

Skilled Nursing Facilities/Nursing Homes


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Senior Housing with Continuum of Care Options/ServicesLiberty Ridge Senior Living Community (859) 543-9449, or 1-800-264-0840701 LIBERTY RIDGE LN., LEXINGTON 40509www.libertyridge.com

Liberty Ridge is a non-profit, faith-based communitysituated on 30+ acres of bluegrass, just minutes fromHamburg Shopping Center and interstate 75.Shopping, restaurants, medical facilities and St. JosephEast Hospital are all within a 5-10 minute drive. Levelsof care include Independent Garden Homes, AssistedLiving apts. and a small, person-centered Memory CareNeighborhood. Garden Home living is both exterior andinterior maintenance-free, and designed for the active,independent senior. Basic floor plan is 2 bedroom, 2 bath,1 car garage. Amenities and services in the Assisted Livingapts. include scheduled transportation, three restaurantstyle meals per day, housekeeping, 24-hour security,emergency response system, social activities andexcursions. Assistance with activities-of-daily living are

available when/if needed. The Memory CareNeighborhood is patterned after the “Best Friends”person-centered model of care for residents withdementia/Alzheimer’s. Residing at Liberty Ridge promotesan active independent lifestyle while allowing forfreedom of choice. A ministry of Eastland Church of God.

Mayfair Village Retirement Community (859) 266-21293310 TATES CREEK RD., LEXINGTON 40502www.mayfairseniors.com

Richmond Place Retirement Comm. (859) 269-63083051 RIO DOSA DR., LEXINGTON 40509

Sayre Christian Village (859) 271-9001 FRIENDSHIP TOWERS, 580 GREENFIELD DR., LEXINGTON 40517

Wesley Village (859) 858-38651125 LEXINGTON RD., WILMORE 40390

Some nursing homes do not provide care for residentswho rely on Medicaid. Many that do, have limitations onthe number of Medicaid beds they provide and,therefore, have waiting lists.

n3 What personal items may be retained to provide asatisfactory level of familiarity and comfort?

n3 Are Medicaid beds available? If not, how long is thewaiting period?

n3 Are location and visiting times convenient for familyand friends?

n3 Does the facility provide the skilled services you need?

n3 How are the costs calculated, including single vs.double occupancy, laundry, therapy, activities, specialdiets, medical supplies, telephone and television?

n3 Can roommates be changed easily if requested?

n3 Is the facility Medicare/Medicaid certified?

n3 Does the facility have planned group activities such asbingo, pet therapy, outside trips, celebrations, etc.?

n3 What happens if your money runs out and you rely onMedicaid for payment?

n3 What is your first impression about the odor, cleanliness, decor and atmosphere?

n3 Do residents appear to enjoy the staff and do staffmembers know the residents by name?

n3 Is staff responsive to your and your loved one's requests?

n3 Are residents mostly well groomed and out of bed?

n3 Is the philosophical or religious orientation of the facility compatible with yours?

n3 What is the number of staff compared to the number of patients?

Nursing Home, Skilled Nursing Facility or Health Care Center

A 24-hour nursing care and rehabilitation center thatmeets federal regulations for Medicare and/or Medicaid.Care is supervised by a nurse under the direction of aphysician medical director. Includes pharmaceutical,dietary and activities services. All reports are available forpublic inspection. Reports list deficiencies or corrections.

Certified Nursing FacilityMeets federal laws and regulations for Medicareand/or Medicaid (skilled nursing). All certificationreports must be available for public inspection.Reports will list any deficiencies or corrections needed.

Sub-acute CareIs when a patient requires extensive nursing but notdirect physician care. Patients do not need the fullrange of hospital services but do need between four toseven hours of skilled nursing care and/or additionaltherapy services. Emphasis is on rehabilitation andstays typically do not last beyond a few months.

Medicare reimbursement is never guaranteed. Serviceslisted are usually covered by Medicare. Members ofMedicare HMOs must follow the plan’s rules and use itsproviders and nursing homes only.

Applicable only in Medicare certified nursing facilities. Paysfor the first 20 days and anything over $148 per day fordays 21–100 per benefit period if patient:• Has been hospitalized for at least three days.• Needs skilled nursing care for condition treated in hospital.• Is admitted within 30 days of leaving hospital.• Has doctor’s authorization.• Pays up to 210 days of hospice care for terminally ill.

Medicare Helps Pay for: (Providers must be Medicare certified.)• Bed in semi-private room (two–four beds per room)and all meals including special diets.• Necessary nursing services.• Drugs, medical supplies, appliances and equipment(wheelchairs, crutches and braces).• Medical social services.• Doctor’s services (if you have Part B coverage).

Medicare Does Not Help Pay for:• Personal comfort or convenience items such ascharges for phone, radio or television furnished atpatient’s request.• Private duty nursing.• Extra charges for use of a private room, unless patientneeds it for medical reasons and ordered by a doctor.• Doctor’s services (unless you have Part B coverage).• Ambulance transfers for routine medical care or lack of other transportation.• Transport for a patient legally pronounced dead prior to ambulance call.

Applicable in Medicaid certified nursing facilities. Pays iflocal Human Services dept. decides nursing care ismedically necessary and eligibility requirements are met.

Medicaid Will Pay: (Providers must be Medicaidcertified.)• Semi-private room, meals and diets prescribed by doctor.• Skilled nursing.• Drugs and medical supplies• Some transport to and from hospital and nursing home.• Laundry services.

MEDICARE COVERAGE

TYPES OF LONG TERM CARE FACILITIES

QUESTIONS TO ASK

MEDICAID COVERAGE


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PCH = Personal Care Home

Bluegrass Care and Rehab(859) 272-06083576 PIMLICO PKWY., LEXINGTON 40517

Bluegrass Personal Care Home PC(859) 281-1394627 W. 4TH ST., LEXINGTON 40508

The Breckenridge PCH(859) 543-08242109 CORNERSTONE DR., LEXINGTON 40509

Cambridge Place(859) 252-67472020 CAMBRIDGE DR., LEXINGTON 40504

Cardinal Hill RehabilitationHospital (859) 254-57012050 VERSAILLES RD., LEXINGTON 40504www.cardinalhill.orgCardinal Hill has built a reputationover the years not only for its rehabexpertise, but also for the kind andcompassionate care. Cardinal Hillprovides specialized programs forindividuals needing Inpatient andSkilled Rehab Services, Outpatientprograms or Home Health Care. Thestaff at Cardinal Hill is unmatched inexperience and training whichallows us to provide top rate care toour patients and their families.

Homewood/Arbors at RichmondPlace PCH(859) 263-24102770 PALUMBO DR., LEXINGTON 40509

Homestead Nursing Center(859) 252-08711608 VERSAILLES RD., LEXINGTON 40504

The Lantern Alzheimer’s andMemory Care Ctr. of Excellence(859) 554-0060225 RUCCIO WAY, LEXINGTON 40503Opening late fall, 2013.

Lexington Country Place PCH(859) 259-3486700 MASONHEADLEY RD., LEXINGTON 40504

Mayfair Manor(859) 266-21263300 TATES CREEK RD., LEXINGTON 40502

Mayfair Village Retirement Ctr. PCH(859) 266-21293310 TATES CREEK RD., LEXINGTON 40502

Morning Pointe - Lexington(859) 554-0060233 RUCCIO WAY, LEXINGTON 40503

Morning Pointe of Lexington - East(859) 721-0350150 SHORESIDE DR., LEXINGTON 40515SOpening mid-summer, 2013.

Northpoint Lexington Healthcare Ctr.(859) 272-22731500 TRENT BLVD., LEXINGTON 40515

Pine Meadows Nursing Home(859) 254-24021608 HILL RISE DR., LEXINGTON 40504

Richmond Place Rehabilitationand Health Center (859) 263-24102770 PALUMBO DR., LEXINGTON 40509

Rose Manor Rest Home PCH(859) 299-41173057 N. CLEVELAND RD., LEXINGTON 40516

Sayre Healthcare Center(859) 271-90013775 BELLEAUWOODDR., LEXINGTON 40517

FAYETTE COUNTY

Skilled Nursing Facilities/Personal Care Homes


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• Physician ordered “restorative” services such as physical, occupational, hearing and speech therapyand diagnostic evaluation visits.• To hold a bed for 14 days for therapeutic visits orhospital stays. On the 15th day, patient must privatelypay to hold bed or go back on the Medicaid waiting list.

Medicaid Will Not Pay for:• Personal comfort or convenience items, unlessmedically necessary and ordered by the doctor.

• Private duty nursing.• Non-essential or experimental services.• Beauty/barber shop services.• Rest home care or custodial care.• Continued stay in a facility if the resident’s level of care does not match the facility’s certification level (if alternate placement available).• Dry cleaning.• Transportation costs to visit families and friends.

Tanbark Health Care PC(859) 273-73771121 TANBARK RD., LEXINGTON 40515

The Villa at Chevy Chase(859) 266-0043319 DUKE RD., LEXINGTON 40502

The Willows at Hamburg Health Campus (859) 543-03372531 OLD ROSEBUD RD., LEXINGTON 40509

Heritage Hall Care Center PC(502) 839-7246331 S. MAIN ST., LAWRENCEBURG 40342

Sunset Hill Home for the Aged PC(502) 839-48351428 TYRONE RD., LAWRENCEBURG 40342

Bourbon Heights PC(859) 987-57502000 S. MAIN ST., PARIS 40361

Charleston Health Care Center(859) 236-9292203 BRUCE CT., DANVILLE 40422

Danville Centre for Health andRehabilitation(859) 236-3972642 N. 3RD ST., DANVILLE 40422

McDowell Place of Danville PC(859) 239-4663 or 1-877-402-46631181 BEN ALI DR., DANVILLE 40422

Clark Regional Medical Center(859) 745-3500175 HOSPITAL DR., WINCHESTER 40391

Kindred Fountain Circle PC(859) 744-1800200 GLENWAY RD., WINCHESTER, 40391

Irvine Nursing & RehabilitationCenter PC (606) 723-5153411 BERTHA WALLACE DR., IRVINE 40336

Bradford Square(502) 875-56001040 US 127 SOUTH, FRANKFORT 40601

Golden LivingCenter- Frankfort(502) 875-7272117 OLD SOLDIERS LN., FRANKFORT 40601

Morning Pointe of Frankfort(502) 226-5888851 CARDWELL LN., FRANKFORT 40601

Christian Care of Lancaster PC(859) 792-6844308 MAPLE AVE., LANCASTER 40444

Cedar Ridge Health Campus (859) 234-27021217 US HIGHWAY 62 E., CYNTHIANA 41031

Edgemont Healthcare(859) 234-4595323 WEBSTER AVE., CYNTHIANA 41031

Grand Haven Nursing Home(859) 234-2050105 RODGERS PARK, CYNTHIANA 41031

Parkside Manor PC(859) 234-4430317 ODDVILLE AVE., CYNTHIANA 41031

Shady Lawn Home PC(859) 234-2606108 S MILLER ST., CYNTHIANA 41031

Rose Terrace Lodge PC(859) 885-3821401 N. SECOND ST., NICHOLASVILLE 40356

Royal Manor PC(859) 885-4171100 SPARKS AVE., NICHOLASVILLE 40356

Thomson Hood Veterans Center(859) 858-2814100 VETERANS DR., WILMORE 40390

Wesley Village PC(859) 858-38651125 LEXINGTON RD., WILMORE 40390

Golden LivingCenter- Stanford(606) 365-2141105 HARMON HTS., STANFORD 40484

Waynesburg Rest Home PC(606) 379-2614765 US HWY. 3276, WAYNESBURG 40489

Berea Health Care Center(859) 986-4710601 RICHMOND RD., BEREA 40403

Kenwood Health & RehabilitationCenter(859) 623-9472130 MEADOWLARK DR., RICHMOND 40475

Madison Health & RehabilitationCenter (859) 623-3564131 MEADOWLARK DR. RICHMOND 40475

Telford Terrace PC(859) 626-52001025 ROBERT L. TELFORD DR.,RICHMOND 40475

The Terrace Nursing andRehabilitation Center(859) 228-05511043 BROOKLYN BLVD., BEREA 40403

The James B. Haggin Mem. Hosp.(859) 734-5441464 LINDEN AVE., HARRODSBURG 40330

Kindred Health Care Center(859) 734-7791853 LEXINGTON RD., HARRODSBURG 40330

Johnson Mathers Nursing Home(859) 289-34922323 CONCRETE RD., BOX 232, CARLISLE 40311

Stanton Nursing Center PC(606) 663-284631 DERICKSON LN., STANTON 40380

Dover Manor PC(502) 863-9529112 DOVER DR., GEORGETOWN 40324

Signature Health Care (502) 863-3696102 POCAHONTAS TR., GEORGETOWN 40324

Taylor Manor Nursing Home PC(859) 873-4201300 BERRY AVENUE, VERSAILLES 40383

LINCOLN COUNTY

WOODFORD COUNTY

SCOTT COUNTY

POWELL COUNTY

NICHOLAS COUNTY

MERCER COUNTY

MADISON COUNTY

JESSAMINE COUNTY

HARRISON COUNTY

ESTILL COUNTY

FRANKLIN COUNTY

GARRARD COUNTY

BOYLE COUNTY

CLARK COUNTY

BOURBON COUNTY

ANDERSON COUNTY


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Caregiver Support and Resources.........................36

Caregiver’s Bill of Rights.............29Case Management .....................52Catholic Charities........................33Central Kentucky Career Ctr.......20Central Kentucky Radio Eye.......58Chemical Addiction .....................61Citizen’s Advocate Ombudsman Office..................17

Clinical Nurse Specialists ...........52Comfort Keepers .................54-55Community Action Council..........31Community Health Charities of Kentucky ..............................61

Companionship...........................32Conservatorship..........................16Consumer Protection ..................17Cooperative Extension Service...22Council Oaks Assisted Living Home ...........73

Credit Counseling .......................15Crime Stoppers...........................15Crisis Intervention .......................30

Dementia Checklist ............38Dental Services ..................61

Department of Aging andIndependent Living .................8, 36Diabetes Association ..................62Disability & Rehabilitation Svcs....57Discharge Planner ......................52Discount Programs .....................14Do’s and Don’ts of 911 ...............26Domestic Violence Program .......33Durable Power of Attorney for Health Care ........................16

Education ...........................22Eldercare Locator.................8

Elected Representatives.............20Emergency Food and Clothing ...30Emergency Housing ...................66Employment................................20Epilepsy ......................................62Errand and Other Services .........72Estate Planning...........................15Estate Tax...................................15

Family Care Homes ...........68Family Support Services ....33

Fayette County Bar Association .18Finances .....................................15Fishing and Hunting Licenses.....14Food Banks.................................30Foster Grandparent Program......24

Free Credit Report ......................15Funeral Preplanning ...................25

Geriatric Assessment .........34God’s Pantry Food Bank...30

Government Information .............18Grandparents/Relatives Raising Grandchildren .............37

Grievance Resources .................75Guardianship ..............................16

Handicap Parking Permit .....8Handicapped Parking.........12

Hartland Hills.......................67, 69Health Care Insurance................40Health Clinics..............................49Health-related Agencies & Services................................61

Hearing and Speech Ctr. ............59Heart Foundation ........................62Home Health Agency Comparison .............................47

Home Health Care ......................51Home Health Care Providers......53Home Infusion Therapies............52Home Instead Senior Care..53-54Home Repair & Maintenance......72Home Safety Checklist ...............64HOMECARE ...............................54Homemaker/Companion Service/Personal Care.............52

Homemaking Services................54Homestead Exemption .........14, 66Hospice Care ..............................56Hospice Providers.......................56Hospital Health Care Systems....48Housing Authority .......................66Housing Options .........................66

Important Documents...........3Income Tax Assistance......16

Incontinence ...............................62Independent Living .....................67Independent Living Communities............................69

Independent/Assisted LivingComparison Checklist .................74Indigent Health Care...................31Information and Referral ...............6Insurance Advocacy ...................17Internal Revenue Service ...........16Is Nursing Home Placement the Correct Decision? ..............65

Is Staying at Home the Healthiest or Best Financial Alternative? ..68

Index

2013 Medicare Benefits ..............45

ACCESS ............................33Access to Justice ...............18

Accessibility Resources ..............59Adult Day Services .....................35Adult Protective Services......18, 30Advance Directives .....................26Advocacy ....................................17Aging Websites.............................8Al-Anon/Alateen..........................61Alcoholics Anonymous................61Alternative Therapies..................49Always Best Care of Central Kentucky .............51, 54

Alzheimer’s Association..........8, 36Alzheimer’s Disease ...................36Ambulance Transport .................12Arthritis/Lupus.............................61Assisted Living Communities......73

Benefits Through an HMO ..43Bereavement/Widow Support................32

Better Business Bureau ..............14Birth and Death Certificates........19Birthday and AnniversaryGreetings ....................................32Bluegrass Area Agency on Aging& Independent Living..Back Cover Caregiver Resources............36Grandparents/Relatives Raising Grandchildren ........37Information and Referral ........6HOMECARE...........................54

Bluegrass Community Action Partnership ...................20

Bluegrass Domestic Violence Program ....................30

Bluegrass SHIP Program (State Health Insurance Assistance Program)..................................40

Bluegrass.org..............................33Board of Elections.......................20

Cancer Society...................61Cardinal Hill Adult Day Health .............35

Cardinal Hill Driver Assessment/ Rehabilitation Program ............11

Cardinal Hill Homecare...............53Cardinal Hill Rehabilitation Hospital .................................24, 35, 48, 49, 58, 77

Caregiver Emergency Help Guide..1Caregiver Resources ..................36

A

B

C

D

E

F

G

H

I


Morning Pointe - Lexington ..................Inside Front Cover, 65, 77

Morning Pointe of Frankfort .................Inside Front Cover, 65, 78

Moving Assistance Services .......66Multiple Sclerosis Society ...........63Muscular Dystrophy Association.63My Own Case Management/ Contingency Plan.....................62

National Alliance for theMentally Ill (NAMI) .......30, 33National Do Not

Call Registry ............................18National Family Caregiver Support Program .....................37

Nursing Home Ombudsman Agency....................18-19, 69, 75

Nursing Homes ...........................75

Office of Aging Services and Disability Support .9

Office of Consumer Protection......9Office of the Ombudsman...........19Parkinson’s Disease ...................63Parks Admissions .......................14Patient’s Bill of Rights .................52Patient’s Rights...........................16Patient’s Rights Under Medicare..42Personal Care Attendant Program...................54

Personal Care Homes ..........68, 77Pet Companionship ....................32Physician Services......................49Prescription Drug Coverage .......39Professional Care Managers ......34Project Lifesaver .........................60Property Valuation Administrator...14Protection Against Scam Artists: Helpful Numbers ..........29

Public Library ........................23, 58

Questions to Ask Home Health Care.....52

Questions to AskHospice....................................56Housing....................................66Nursing Homes ........................76

Rape Crisis Center .....................33Recreation/Special Events..........24Rent-subsidized Housing............72Representative Payee ................16ResCare HomeCare ............53, 55Resource Numbers by County......6

Retina Associates of Kentucky .......................57-58

Retired and Senior VolunteerProgram (RSVP).........................24Retirement Community ...............68Reverse Mortgage Loans ...........21

Safety and Security............14Self Empowerment ............17Senior Centers..............10-11

Senior Companion Program .20, 55Senior Helpers of the Bluegrass.........51, 55, 60

Senior Housing with Continuum of Care Options/Services.........75

Shelters.......................................30Skilled Nursing Facilities.......75, 77Social Security ............................40Social Services ...........................30Speech & Hearing Disabilities ....58State Health Insurance Assistance Program of the Bluegrass (SHIP) ......................................43

Stroke Association ......................63Supplemental (SSI) Income........41Survivors Benefits.......................40

Taxes .................................16TermsEstate Planning...............15

Home Health Care ...................52Long Term Care Insurance......46Senior Housing ........................67

Terms & Information Relating to the Care of Another Person .....16

The Villa at Chevy Chase ....77-78The Villa HomeCare ............53, 55Tips for Caregiving........................5Transportation.............................11Travel and Tourism.....................24Types of Housing with Care Services ....................70, 71

Types of Long Term Care Facilities ..........................76

United Way 2-1-1 Information and Referral Call Center ..................9

University of Kentucky Sanders-Brown Center on Aging..............9

Utilities Assistance......................31Veteran Services ........................17Visiting Angels.....................54-55Visual Disabilities........................58Volunteer Opportunities ..............24Voting..........................................20

Index

Jewish Family Svcs. .....33Joint Tenancy ...............15Kentuckians for

Nursing Home Reform .............17Kentucky Association for Community Action....................72

Kentucky Department of Public Advocacy .................18

Kentucky Family Caregiver Program ..................37

Kentucky Health Solutions ..42, 44Kentucky Housing Corporation ...66Kentucky Human Rights Comm..19Kentucky Office for the Blind ......58Kentucky Library for the Blind and Physically Handicapped...........23

Kentucky State Health Insurance Assistance Program (SHIP).....18

Kentucky Vision Project ..............58Kidney Health Alliance of Ky.......63

Legal Aid of the Bluegrass.18Legal Helpline for Older Kentuckians/Access to

Justice Foundation.....................9Legal Records/Resources .....18-19Leisure ........................................22Leukemia & Lymphoma Society .63Lexington Comm. Action Council.72Lexington Country Place ...67, 77Lexington Senior Center ...............9Lexington-Fayette County Health Department.............31, 49

Lexington-Fayette Urban County Government.......9, 24, 57

Lexington-Fayette Urban County Human Rights Commission .....19

Liberty Ridge Senior Living ..............69, 73, 75

Living Trusts vs. Wills .................13Living Will Directive.....................27Long Term Care Insurance.........44Lung Association ........................63

Marriage Certificates..........19Mayfair Village Retirement Community ........69, 73, 75

Meals on Wheels ........................10Medical Claims Assistance .........43Medical Equipment & Adaptive Devices .....................60

Medication Assistance ................50Medigap Insurance .....................43Mental Health Counseling...........33Milward Funeral Directors........25Monitoring Systems ....................60

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