Full page photo print - Southeast Tennessee Area Agency on Aging

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❂ Caregiver Emergency Help Guide Complete this form for easy reference if you must call for help. Post in a place obvious to friends, family and emergency personnel. See also Help at Home and Important Documents Checklist.

Doctor’s Name _________________________________________________ Phone _____________________________ Clergy Name __________________________________________________ Phone _____________________________

Hospital Choice ___________________________________________________________________________________ Full Name of Patient_____________________________________________ Phone _____________________________

Address_______________________________________________________Zip Code ___________________________ Date of Birth______________________ Social Security No. ________________________________________________ Medicare No.________________________________ Medicaid No. __________________________________________

Veteran/Military I.D. ________________________________________________________________________________ Health Insurance Carrrier ___________________Policy No.______________Phone _____________________________

Add’l Insurance Carrrier ____________________Policy No.______________Phone _____________________________ WHO TO CALL Name __________________________Relationship________________ Phone _________________________________

Name __________________________Relationship________________ Phone _________________________________ MEDICATIONS, DOSAGE AND FREQUENCY (INCLUDE OVER-THE-COUNTER IF USED REGULARLY) Pharmacy _____________________________________________________ Phone _____________________________ Medication

Prescription No.

Dosage

Prescribed By

________________________________________________________________________________________________

________________________________________________________________________________________________

________________________________________________________________________________________________

________________________________________________________________________________________________

Allergies _________________________________________________________________________________________

Health History/Health Problems_______________________________________________________________________

________________________________________________________________________________________________

________________________________________________________________________________________________

________________________________________________________________________________________________ ADDITIONAL CONTACTS

Accountant ____________________________________________________ Phone _____________________________

Insurance Agent ________________________________________________ Phone _____________________________

Lawyer _______________________________________________________ Phone _____________________________

❂ Independent/Assisted Living Comparison Checklist BASIC FEE STRUCTURE Entrance Fee/Terms

AMENITIES Safety and Security

❒ Bathing/personal held sprayers

❒ Locked entrance

❒ Chapel

❒ 24 hour entry monitor/security

Lease Term/Deposit

Owner/Affiliation/Years in Business Living Units Monthly Charge ❒ Studio

SERVICES

❒ Sprinkler/smoke detector

24 hour emergency call ❒ in bathroom ❒ in bedroom

❒ One bedroom

❒ Non-skid bathroom grab

❒ Cottage

Social and Health Programs

❒ Cable TV hook-up/satellite dish ❒ Decor choice/allowance ❒ Draperies

❒ Exercise room ❒ Fireplace

❒ Fishing lake

❒ Hall handrails/guardrails

❒ Furnished units

Furnished for any of above

❒ Activities planned (cultural,

❒ Gardening area/greenhouse

Breakfast:

❒ Exercise programs

❒ Two bedroom

Food Service Monthly Charge

Lunch

❒ Continental

❒ Full

Dinner

In-room charge

Equipped kitchen: Utilities Monthly Charge

❒ Electric/gas

❒ Microwave

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

educational, leisure, social)

Transportation

❒ Levered door handles

❒ Resident services coordinator ❒ as personally needed ❒ as scheduled

Phone

Transportation Other:

MONTHLY TOTAL

❒ Library

❒ Lockers

❒ Lounge with TV/without TV

Laundry

❒ Outdoor nature paths

❒ Bank

❒ Meeting room & private dining

❒ in building (coin)

❒ Pets allowed

❒ unit hook-up

❒ Private dining

❒ onfloor (coin)

❒ Parking reserved ❒ Pharmacy

❒ Phone outlets pre-wired

Other:

Cable

❒ Hot water dispenser

Convenience and Errands

Assistance with bathing, grooming, dressing

Additional Charges

❒ Guest rooms

❒ Individual patio/veranda

❒ Post office

Additional home health/medical care:

❒ Gazebo

❒ Health screenings

Phone call medication reminders

Pulse or blood pressure check in apartment

❒ Game room/activities

❒ Trash removal

❒ Pool/spa/Jacuzzi/sauna ❒ Putting green

❒ Workshop Other:

❂ Do’s and Don’ts of 911

Dial 911 only for an emergency

Emergencies include a serious medical problem, fire, any life-threatening situation or if you see a crime in progress. If you must call 911, speak calmly and clearly: • Describe the type of incident you are reporting • Describe your location and the location of 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 time now to find the numbers you might need to call in the event of property damage, a non-life threatening accident, theft or vandalism when the suspect is gone, panhandlers, intoxicated persons who are not disorderly or cars blocking the street or alleys.

If in Doubt call 911 Fill in these phone numbers. Make a copy and post this by your telephone or on your refrigerator door. Police (PHONE) ___________________________________ Sheriff (PHONE) __________________________________ Fire (PHONE) _____________________________________ Ambulance (PHONE) ______________________________ Family Member NAME _______________________________________ PHONE ___________________________________________ Neighbor NAME _______________________________________ PHONE ___________________________________________



A Letter from the Director of the Southeast Tennessee Area Agency on Aging and Disability

The Older AdultsTM Resource Guide “As a caregiver for my mother, aunt and uncle I found Older Adults to be very beneficial... it opened my eyes to the services that I did not know existed.” — CAREGIVER — “I lost my husband to cancer. I am not a senior ❂

citizen, in fact, I am in my mid-30s. This Guide

was priceless to me in finding a support group to help me work through my painful loss. It’s not just only for senior citizens.” — CONSUMER — “We have members of our family in their 70s, 80s ❂

and 90s and we didn’t know where to look for the different levels of products and services they

needed. This Guide is invaluable in providing the information we need. Everyday it seems we find something new in here that is a big help.” — CAREGIVER — “God bless you. Tell anyone you want to call me, ❂

if it will help you continue your good work.”

Greetings,

We are happy to provide you with a free copy of the fifth edition of Older Adults…the Resource Guide. The Guide is a service of the Southeast Tennessee Area Agency on Aging and Disability (AAAD). The AAAD has been designated as a Single Point of Entry into a wide range of Home and Community Based Services.

The Guide not only contains information about services provided through the AAAD; it also contains a wealth of information to help you discover the services and resources that are available through numerous companies and agencies throughout our region.

As you look at the table of contents you will see that the Guide has a separate section for some of the greatest concerns of seniors as well as younger disabled adults. In addition to lists of businesses and agencies that provide needed services you will find information regarding Social Security, Medicare, legal issues, family caregiving and healthcare.

The Guide is being made available to you at no cost by the companies and agencies that have chosen to become our partners through purchasing advertising. These partners provide vital services and products that you need to know are available to you or someone you love.

We hope that you and your family will find “Older Adults…the Resource Guide” to be a useful tool to aid you in your search for information and services.

Sincerely,

— CONSUMER — “Thank you for the wealth of information that’s ❂

so beneficial to mature adults and their families. This publication addresses major concerns of

older adults like none I’ve ever seen. The large print is an extra bonus as well.”

— SENIOR CENTER PROGRAM DIRECTOR — 6

Older Adults™…the Resource Guide

Steve Witt Director For information and referral please contact the Southeast Tennessee Area Agency on Aging and Disability by calling our toll-free helpline at 866-836-6678.

Southeast Tennessee Edition 2010

Respite Care …can be the lifeline you need to care for a loved one. In addition, when you need the support of someone to talk with or when you need information, call the Southeast Tennessee Chapter of the Alzheimer’s Association HelpLine at:

(423) 265-3600 or 1-800-616-1922

❂ Important Documents Checklist Use this checklist to keep track of your key papers. Gather them together (or make note of their location) and place in a safety deposit box, or give to a trusted family member who can retrieve them in an emergency.

Insurance

❏ ❏ ❏ ❏ ❏

Medicare card Life Long Term Care Auto Other

❏ ❏ ❏ ❏

Auto title Living will Power of attorney Power of attorney for health

❏ ❏ ❏ ❏

Secondary health Special care Catastrophic Illness Home

❏ ❏ ❏ ❏

Deeds Living trust Will Trust papers

Legal

Life Events

❏ Birth certificate ❏ Funeral arrangements ❏ Immigration/ naturalization papers ❏ Military papers

❏ Burial plot ❏ Social Security card ❏ Marriage/divorce papers

Financial

❏ Bank notes ❏ ❏ Bank savings accounts ❏ ❏ Certificates of deposit ❏ ❏ Credit card list ❏ ❏ Mortgage papers ❏ ❏ Stock certificates ❏ ❏ Safety deposit key/combination

Bonds Broker name/phone Checking account IRAs Mutual funds Tax records

❂ Contents 37 Education and Leisure

GENERAL INFORMATION, REFERRAL & COMMUNITY OUTREACH 12 Primary Information and Referral 12 Area Agencies on Aging 12 Additional Referral Resources



39 Finances and Legal Matters 39 Tax Preparation Assistance 39 Credit Counseling 39 Estate Planning 40 Veteran Services

13 Caring for Good Nutrition

14 Senior Centers and Congregate Meal Sites 15 Home Delivered Meals

15 Transportation 16 Handicapped Parking Permits 16 Non-Emergency Ambulance Transport



40 Volunteer Opportunities 41 Employment

42 Advocacy, Legal & Self Empowerment 42 Advocacy & Self Empowerment 42 Legal Resources 42 Absentee Voting 42 Legal Records 42 Federal Elected Representatives

16 “Aging” Websites

SPECIAL INSERT – SOUTHEAST TENNESSEE AREA AGENCY ON AGING AND DISABILITY



19 Southeast Tennessee Quick Guide for Older Adult Needs

26 Home Delivered Meals Programs

27 Options for Community Living 28 SHIP & Information and Assistance

53 Mental Health Counseling/Centers

54 Alzheimer’s Services 54 Resources 54 Adult Day Care

My Own Case Management/ ❂ 55 Contingency Plan Caregiver’s Checklist for ❂ 56 APlanning Ahead

SOCIAL SECURITY, MEDICARE & MEDICAL INSURANCE 58 Social Security and Health Care Insurance 58 Social Security 58 Supplemental (SSI) Income 58 Medicare 59 Medicare Advantage 60 Departments of Human Services 60 Identity Theft and Fraud

44 Legal Health Care/ Advance Directives 44 Advance Directive Forms

❂ ❂ ❂

60 Tennessee State Health Insurance Assistance Program (SHIP)

45 State of Tennessee Advance Care Plan

61 Long Term Care Insurance 61 Company Checklist 61 Policy Checklist

47 State of Tennessee Appointment of Health Care Agent

62 Medigap Insurance 62 Medigap Insurance Considerations

48 Home Safety Checklist



30 Relative Caregiver Program (RCP)

CRISIS, BEHAVIORAL CARE & CAREGIVER SUPPORT SERVICES

32 Family Caregiver Support Program 33 Senior Center Activities



CONSUMER HELP & INFORMATION 36 Discount Programs 36 Parks Admissions 36 Discount Pharmacies/Pharmacy Services

8

53 Family Support Services

43 How to Communicate Your Loved One’s Symptoms Regarding Overall Well Being, Pain and More

29 Homemaker Program

34 Senior-Friendly Exercise: Seated Tai Ji

52 Companionship 52 Birthday/Anniversary Greetings 52 Bereavement/Widow Support

44 Funeral Preplanning 44 Points to Remember 44 Preplanning Resources

21 Senior Center Contact Information

24 Home Sweet Home: Staying at Home as Long as Possible 24 Statewide Home and Community Based Services - Medicaid Waiver for Elderly and Disabled

50 Community Support 51 Food Stamps 51 Utilities Assistance

38 Safety and Security 38 Safe Driving 38 Driving Education and Training 38 Consumer Help 38 Government Information 38 Victim/Witness Assistance Programs

Older Adults™…the Resource Guide

49 Transient Crimes and Elder Fraud: What You Need to Know 50 Social Services and Emergency Assistance 50 Elder Abuse and Neglect 50 Crisis Intervention

TA K E N O T E



Look for these handy forms and guides throughout the book.

63 Long Term Care Insurance Comparison Checklist

MEDICAL & HEALTH CARE SERVICES



65 Home Health Care Agency Comparison Checklist

66 Hospital Health Care Systems 66 Senior Medical Practices 66 Hospital Membership Programs 67 Prescription Assistance

67 Home Health Services 67 Range of Services

Southeast Tennessee Edition 2010

P le a s e s u p po r t o u r v a l u e d a d ve r t i s e r s with out wh om th is G uid e c oul d n ot b e p ub li s he d . T e l l t h e m yo u s a w i t i n ...

Professional In-Home Care for All Ages

www.brightstarcare.com

Taking In-Home Care To A Higher Level ● Personal Care Services Homemaker & Housekeeping Services ● Transportation & Errand Services ● Sitter & Companion Services Anytime Day or Night ●

Tennessee Home Care Association National Association Home Care & Hospice Medical Provider & Long Term Care Insurance

Older Adults!

(423)899-7000 (800)978-0019 www.AssistAtHome.net



68 Questions to Ask Your Healthcare Provider 69 Questions to Ask 69 Terms 70 Home Health Care Providers 71 In-Home Support Services Non-Medical

72 Hospice Care 72 Questions to Ask 73 Providers

73 Medical Equipment & Adaptive Devices 74 Medical Emergency Response Systems



74 Disability & Rehabilitation Services 75 Visual Disabilities 76 Speech & Hearing Disabilities 77 Additional Accessibility Resources

78 PACE Providers

78 Holistic Health and Wellness Programs

79 Health-related Agencies & Services 79 AIDS/HIV 79 Alcohol 79 Alzheimer’s Disease

Southeast Tennessee Edition 2010

79 79 79 80 80 80 80 80 80 80 80

Arthritis/Lupus Asthma/Allergy Cancer Support Dental Diabetes Drug & Poison Epilepsy Heart Huntington’s Disease Kidney Leukemia

82 82 82 82 82 82

Lung Neuromuscular Diseases Nutrition Parkinson’s Disease Sleep Disorders Stroke

85 Nursing Home Care Covered by Medicaid



86 Nursing Home Care Covered by Medicare

88 Independent Living and Apartment Complexes 88 Home Improvement & Chore Services

81 Medication Checklist

89 Reverse Mortgage Loans 89 Pros and Cons of Reverse Mortgages 89 HUD-Approved Reverse Mortgage Loans

90 Assisted Living Facilities by County 90 Retirement Homes

90 Nursing Facilities/Nursing Homes 91 Grievance Resources

HOUSING & SKILLED HEALTH CARE FACILITIES



86 Is Nursing Home Placement the Correct Decision?

83 Is Staying at Home the Healthiest or Best Alternative?

84 Housing Options 84 Information & Referral 84 Ombudsman 84 Metropolitan Housing Authority 84 Senior Housing Terms

91 Nursing Home Facilities by County

❂ ❂

92 Nursing Home Checklist

93 Moving Your Elder in With You: Practical Tips and Suggestions 94 Index

Older Adults™…the Resource Guide

9

❂ About This Guide This directory is the most comprehensive listing and explanation of providers and services which 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 all the services, programs and products most needed by older adults. Information contained herein has been supplied by the organizations and facilities. While the information has been thoroughly cross-referenced and phone verified as of November, 2009, Senior Impact Publications, L.L.C. and the Southeast Tennessee Area Agency on Aging & Disability assume no responsibility for omissions or errors. We welcome all updates and corrections.

This easy-to-use handbook of services for senior citizens is most helpful for:

If you would like to be part of the Southeast Tennessee edition of Older AdultsTM call us...

1-800-921-9443 or reach us by e-mail... [email protected]

Other Cities Available! ❏ Greater Cincinnati ❏ Greater Cleveland

• 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 ————— The Southeast Tennessee Older Adults® Resource Guide 5th edition, January, 2010 ——————————————— The Guide is available while supplies last at the following locations: • Southeast Tennessee Area Agency on Aging and Disability • At advertisers’ offices. Advertisers are listed in bold in the index and at the beginning of each tabbed section.

❏ Columbus ❏ Toledo ❏ Northern Kentucky ❏ East Central Ohio

© Senior Impact Publications, L.L.C. January, 2010. All rights reserved.

• • • • • •

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 ❂

————— SENIOR IMPACT PUBLICATIONS, LLC 5980 Kugler Mill Rd., Suite 100 Cincinnati, Ohio 45236 1-800-921-9443 phone (513) 791-8847 fax E-mail: [email protected] www.olderadults.net Publisher: Rob Jutze Advertising Sales: Irv Ginsburg Design/Production: Connie Arozarena, Iacono Productions Information Verification: Amy Malloy Contributors and Advisors: The staff at the Southeast Tennessee Area Agency on Aging and Disability

❏ St. Louis ❏ Youngstown ❏ Rocky Mount, NC ❏ Indianapolis 10

Older Adults™…the Resource Guide

All real estate advertised herein is subject to the Federal Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination because of race, color, religion, sex, handicap, familial status or national origin or intention to make such preference, limitation or discrimination.” We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis. Southeast Tennessee Edition 2010

Phone tips for seniors: • Start a buddy system. You and a friend or relative can set a special time when you call each other every day. It’s an easy way to keep track of each other. • People who live alone, especially women, can list only first and middle initials in the telephone directory to avoid calls from people making harassing calls. • Use answering machines to keep potential burglars guessing about who’s home and who’s not. Women living alone may ask a male friend or relative to make the recording using your telephone number only.

Stop telephone scams

General Information, Referral & Community Outreach Handy forms and guides in this section: Caring for Good Nutrition . . . . . . . . . .13 “Aging” Websites . . . . . . . . . . . . . . . . . .16

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

by keeping these tips in mind: • Hang up if a telemarketer calls before 8 A.M. or after 9 P.M.

www.setaaad.org Southeast Tennessee Area Agency on Aging & Disability

• If you suspect a scam, call the State Attorney General. If you have been the victim of a scam, call the Federal Trade Commission at: 1-877-382-4357. • Resist high pressure sales. True businesses will respect the word “no.” • If you tell the seller not to call back and he does, hang up. That’s against the law! • Be sure to get written information before you commit to anything.

If you would like to be part of the Southeast Tennessee Older Adults™ Resource Guide, call us... 1-800-921-9443 You can also reach us by e-mail... [email protected]

When you’re out: • Make sure someone knows where you’re going and when you expect to return. • Carry change for emergency telephone and transportation use. • Carry a shriek alarm. • When using a bus or other public transportation, sit as near the driver as possible.

Road and Weather Information Tennessee Department of Transportation 511 or

Sources: Federal Trade Commission, Bellsouth, Senior Citizens Against Crime

www.tnema.org/sitreps/tv_sitrep.htm Southeast Tennessee Edition 2010

www.setaaad.org

Older Adults™…the Resource Guide

11

Primary Information and Referral OUTREACH

AREA AGENCIES ON AGING

An Area Agency on Aging (AAA) is a public or private non-profit agency designated by the state to address the needs and concerns of all older adults at the local level. An Area Agency on Aging is a generic term.

The Southeast Tennessee Area Agency on Aging and Disability, through the service providers in the region, offers programs that make a difference in the lives of all older adults and persons with disabilities … from frail older persons who can remain at home if they receive the right services to those who are healthy and can benefit from the activities and socialization provided by community-based programs such as senior centers. AAA’s were established under the Older Americans Act (OAA) in 1973 to respond to the needs of Americans aged 60 and over in every local community. The services available through AAA fall 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

Southeast Tennessee Area Agency on Aging and Disability 1-866-836-6678 TTY (423) 752-0640 P.O. BOX 4757, CHATTANOOGA 37405 www.setaaad.org Advocates for and assists older persons 60 and older and persons with disabilities 18 and older, their families, and the agencies and organizations helping them. The agency serves Bledsoe, Bradley, Grundy, Hamilton, Marion, McMinn, Meigs, Polk, Rhea and Sequatchie counties. Information and Assistance – Available to assist callers with locating resources and services. All calls handled in a confidential fashion. State Health Insurance Assistance Program (SHIP) and the Senior Medicare Patrol Project – Provides free and objective counseling and assistance to persons with questions or problems regarding Medicare and other related health insurances, as well as prescription assistance. Home Delivered Meals Program – Provides a noontime nutritionally balanced meal served in the consumer’s home. Eligible individuals must be 60 years of age or older, have a physical disability, be homebound, and unable to prepare a meal for themselves and have no one available to prepare the meal. 12

Older Adults™…the Resource Guide

Homemaker Program – Designed to provide help with routine household activities including shopping, meal preparation and light housekeeping. Eligible individuals must be age 60 or better and have a disability that makes them unable to perform household management tasks. Options for Community Living Program – Intended to provide home and community based services to assist frail older adults (60 and older) and adults with disabilities (18 and older) to remain in their own homes, avoiding premature institutionalization. Services may include homemaker services, personal care services and home delivered meals. National Family Caregiver Support Program – Intended to provide services for caregivers of seniors 60 and older, and grandparents or other senior relatives who are primary caregivers of children under 18 years of age. Services may include support through information, assistance, support groups and workshops, respite services through adult day care, short-term in-home respite, overnight respite, personal care and homemaker services, and supplementary services such as personal emergency response systems, assistive technology, help with purchasing medical supplies not covered by insurance, minor repairs or home modifications and home delivered meals. Statewide Home and Community Based Services Medicaid Waiver for Seniors and Disabled – Provides inhome services intended as a community-based costeffective alternative to institutional nursing facility care for eligible individuals. Public Guardianship for the Elderly Program – Designed to aid persons age 60+ who are unable to manage their own affairs and who have no family member, friend, bank, or corporation willing and able to act on their behalf. Relative Caregiver Program – Provides services to support grandparents and other relatives raising children to whom they are related through blood, marriage or adoptions. Support services are also provided for the children and teenagers in Relative Caregiver families. Services include: information and referral, counseling, material assistance, caregiver support groups, activity/support groups for children and teenagers, educational workshops, respite and recreation, family advocacy, outreach and emergency financial or start-up assistance. ADDITIONAL REFERRAL RESOURCES

These agencies provide information about local services and resources available to seniors. All either provide or refer for advocacy and counseling, information and referral, health screenings and wellness programs, meals, outreach, social activities and transportation. Southeast Tennessee Edition 2010

Alexian Brothers Senior Neighbors (423) 755-6100 1000 NEWBY ST., CHATTANOOGA 37402 www.alexianchattanooga.org Provides information and referral. Congregate meals, volunteer opportunities, employment assistance and family support services. Chattanooga Human Services (423) 757-5551 501 W. 12TH ST., CHATTANOOGA 37402 www.chattanooga.gov Multi-faceted human services/social service delivery agency for the poor and disadvantaged residents of Hamilton Co. Provides emergency financial assistance with bills, HUD housing counseling, weatherization assistance, energy subsidies and surplus food.

CONTACT of Chattanooga, Inc. (423) 266-8228 HELPLINE 6221 VANCE RD., CHATTANOOGA 37421 A Christian counseling agency that also offers information and referral services on a 24 hour basis. CONTACT of McMinn, Meigs and Monroe, Inc. HELPLINE (423) 745-9111 Christian listening and discussion with callers and refers emergencies to appropriate agencies on a 24 hour basis.

Eldercare Locator 1-800-677-1116 www.eldercare.gov 9 A.M. – 8 P.M., M – F. Helps families and friends find information about community services nationwide.

Hamilton County Social Services (423) 209-6833 MLK BUILDING, 317 OAK ST., ROOM 215, CHATTANOOGA 37403 www.hamiltontn.gov/Social Provides responsive quality community social services while assuring the best possible use of county dollars. Programs include community social services, family support services for the disabled and emergency assistance.

Jewish Community Federation of Greater Chattanooga (423) 493-0270 PO BOX 8947, CHATTANOOGA 37414 Non-profit agency that provides various services for the community. Community resource and referrals, home visits, counseling, senior citizen programs and van transportation. Weekly Kosher meal program with home delivery to senior citizens who are homebound.

Southeast Tennessee Edition 2010

❂ CARING FOR GOOD NUTRITION

Make dining a pleasure and reap the nutrition benefits by implementing the following:

OUTREACH

AARP (American Association for Retired Persons) 1-888-OUR-AARP (687-2277) NATIONAL 1-866-295-7274 AARP OF TENNESSEE www.aarp.org Holds regularly scheduled meetings and provides health, advocacy, social, recreation, volunteer and employment opportunities, insurance, income tax assistance, defensive driving programs, housing information, prescription drug and consumer discounts, and governmental advocacy. Community service and health education programs.

❖ Create a relaxed environment during mealtimes. ● Keep the pace leisurely and the conversation pleasant. ● Don’t dwell if one refuses to eat. ❖ If weight loss or minimal appetite are concerns, ● Offer smaller portions and more frequent meals or snacks. For example, serve six small meals per day, rather than 3 meals per day. ● Provide a variety of high calorie, nutrient rich foods, such as cream of vegetable soup with powdered milk added, mashed potatoes with butter and whole milk, creamed spinach, or apples with peanut butter and honey. ● Consider providing an instant breakfast drink made with milk as a snack. ❖ Serve a variety of nutritious, old-fashioned, comfort foods. ❖ If your loved one has difficulty using utensils, be flexible and offer finger foods. Some examples are diced vegetables, bite size chicken, cheese cubes, or bread. ❖ If your loved one has swallowing problems, slightly thickened liquids may help. Examples are vegetable juice and fruit nectars. Please seek medical advice for further evaluation and food texture modifications. ❖ Ensure water and other fluids are available all day. Include juices, broth, gelatin, ice pops, decaffeinated coffee or tea. As a Caregiver, don’t forget to take care of your own nutritional needs. For further questions, please contact your local Area Agency on Aging.

Older Adults™…the Resource Guide

13

OUTREACH

Tri-State Resource & Advocacy Corp. (TRAC) (423) 892-4774 5708 UPTAIN RD., STE. 350, CHATTANOOGA 37411 www.4trac.org A wide variety of services related to independent living, such as peer counseling, advocacy, job assistance and computer training for disabled and elderly individuals.

United Way/211 Call Center 211 or (423) 265-8000 630 MARKET ST., P.O. BOX 4027, CHATTANOOGA 37405-0027 www.uwchatt.org List of the area's most critical human service phone numbers. Updated for 2008/09. Information and referral, and elderly services..

Senior Centers and Congregate Meal Sites Senior Centers Older adults can access a variety of services and have an opportunity to participate in individual and group activities and classes. While programs vary by center, all offer outreach programs, health screenings and counseling, and a variety of educational, fitness and volunteer programs. Senior Congregate Meal Sites Most state funded centers serve as group meal locations. The Congregate program is intended for persons 60+ to have one nutritionally balanced meal on weekdays. Advance meal order reservations are required by each site. For qualified participants, contributions are suggested but not required. Some Congregate Meals or nutrition sites are in senior apartments or community centers. There may be transportation to meal sites.

Title III of the Older Americans Act provides for some transportation to congregate meal sites and senior centers within a reasonable distance from the site. Title XIX of the Social Security Act (Medicaid) provides for transportation of Medicaid patients for medical services. ■ BLEDSOE COUNTY Bledsoe Senior Activity Center (423) 447-6111 148 FRAZIER ST., PO BOX 751, PIKEVILLE 37367

Whiteside Faith Manor Congregate Meal Program 735 E. 10TH ST., CHATTANOOGA 37402

■ BRADLEY COUNTY Bradley/Cleveland Sr. Activity Center (423) 559-2171 230 URBANE RD., CLEVELAND 37312

■ MARION COUNTY South Pittsburg Congregate Nutrition Center 330 CEDAR AVE., SOUTH PITTSBURG 37380

(423) 266-2562

(423) 837-6325

Walker Street Congregate Nutrition Site 450 WALKER ST. NE, CLEVELAND 37311

(423) 476-1598

Whitwell Senior Center (423) 658-5000 900 NORTH MAIN ST., STE. 2, WHITWELL 37397

■ GRUNDY COUNTY Gruetli Laager Senior Center PO BOX 127, GRUETLI-LAAGER 37339

(931) 779-5494

■ McMINN COUNTY McMinn Senior Activity Center 205 MCMINN AVE., ATHENS 37371

(423) 745-6830

Monteagle Congregate Nutrition Site (931) 924-3258 24 DIXIE LEE HWY., MONTEAGLE 37356

Etowah Senior Activity Center 435 COOPER ST., ETOWAH 37331

(423) 263-1209

■ MEIGS COUNTY Meigs Senior Activity Center CITY/COUNTY BUILDING, 351 RIVER RD., DECATUR 37322

(423) 334-3242

■ POLK COUNTY Polk County Senior Center 840 CHEROKEE TRAIL, COPPERHILL 37317

(423) 496-7113

■ RHEA COUNTY Rhea Richland Senior Center 241 ALABAMA AVE., DAYTON 37321

(423) 775-6776

■ SEQUATCHIE COUNTY Sequatchie Senior Activity Center 103 HEARD ST., DUNLAP 37327

(423) 949-2228

■ HAMILTON COUNTY ALEXIAN BROTHERS SENIOR NEIGHBORS Boynton Center (423) 634-6465 957 BOYNTON DR., CHATTANOOGA 37402 Mary Walker Center (423) 755-6136 2505 S. MARKET ST., CHATTANOOGA 37408 Soddy Daisy Center (423) 332-1702 190 DEPOT ST., SODDY DAISY 37379 10th and Newby (423) 755-6100 1000 NEWBY ST., CHATTANOOGA 37402 Low-cost meals with a presentation by a speaker are available twice monthly, in addition to holiday meal events. Reservations required - call the number above.

14

Older Adults™…the Resource Guide

Southeast Tennessee Edition 2010

Persons age 60 or better who are homebound and unable to shop for or prepare meals may be eligible for a home delivered meal. The meal, which may be hot or frozen, is balanced to provide one-third of the daily recommended nutritional requirements. Special dietary restrictions such as diabetic and low salt are followed. Home delivered meals

are funded by a federal funding through Title III of the Older Americans Act, state funds, USDA reimbursement and contributions from program participants.

Southeast Tennessee Area Agency (423) 266-5781 on Aging and Disability 1000 RIVERFRONT PKWY., CHATTANOOGA 37402 www.setaaad.org

Transportation Curb to curb transportation requires a rider to be able to get from house to curb to enter vehicle.

American Red Cross – Hiwassee (Bradley Co.) Chapter (Level 1) (423) 472-1595 304 20TH ST., PO BOX 2314, CLEVELAND 37320 Assists military members and family contact relatives during emergency situations. Assists with emergency transportation or financial assistance through loans or grants. Office hours only.

CARTA (Chattanooga Area Regional Transportation Authority) (423) 629-1411 TDD (423) 624-4534 1617 WILCOX BLVD., CHATTANOOGA 37406 Reduced fares for seniors. 75¢ fare; 25¢ for transfers. (Ages 65 & Over - Medicare, Tenncare, TennSenior or identification card issued by a State or Federal agency showing date of birth required). Main Line Routes provide frequent service between Downtown Chattanooga and other areas in Chattanooga. In addition, the Main Line Routes provide convenient transfers to the CARTA Neighborhood Routes. Together, they serve shopping, employment, day care, health and recreation facilities throughout the city. CARTA Care–A–Van (423) 698-9038 1617 WILCOX BLVD., CHATTANOOGA 37406 Hours 4:40 A.M. – 12:45 A.M. Mon. – Fri., 5:30 A.M.–12:40 A.M. Sat., 9 A.M. – 8:25 P.M. Sun. Request 24 hrs. to two weeks advance notice. Serves Chattanooga City Limits. Services offered on first come, first served basis. Lift vans to transport the disabled to needed services such as work, school, recreation, medical services or other essential services. Only visually impaired or those who cannot use public transportation are served. Fares: one way, $2.50, round trip, $5.

Interfaith Senior Services (423) 265-2397 CHATTANOOGA Serves Hamilton County. Provides transportation by volunteers for those unable to drive themselves to medically related appointments only. Requires one to two weeks notice. Must be able to ride in a car. DID YOU KNOW?

In Tennessee, 61,252 grandparents report that they are responsible for their grandchildren who are living with them.

Southeast Tennessee Edition 2010

Kidney Foundation (423) 265-4397 1020 DALLAS RD., STE. 401, CHATTANOOGA 37405 Limited direct support to patients with kidney diseases. May include transportation to and from dialysis, prescription medicine and medical supplies. Free beepers for patients on transplant waiting list. Rhea County Veterans Committee (423) 775-7849 375 CHURCH ST., STE. 205, DAYTON 37321 Uses volunteers to transport veterans to medical facilities in Murfreesboro or Nashville. Uses a van and can accommodate a wheelchair or up to 5 people. Will also provide transportation on a space available basis to the VA outpatient clinic. Southeast Tennessee Human Resource Agency (SETHRA) BLESDOE COUNTY (423) 447-2444 OLD HIGH SCHOOL BUILDING, PO BOX 88, 2531 S. MAIN ST., PIKEVILLE 37367 GRUNDY COUNTY (931) 592-8260 PO BOX 34, HWY. 56, COALMONT 37313 MARION COUNTY (423) 942-5946 205 E. FIRST ST., HASPER 37347 MCMINN COUNTY (423) 745-8095 125 NORTH JACKSON ST., ATHENS 37303 MEIGS COUNTY (423) 334-3305 CITY/COUNTY BLDG., RIVER RD., PO BOX 303, DECATUR 37322 POLK COUNTY (423) 338-2335 ELECT. COMM. BLDG., COURTHOUSE ANNEX, PO BOX 526, BENTON 37307 RHEA COUNTY (423) 775-4010 125 COURT ST., UNIT 2, DAYTON 37321 SEQUATCHIE COUNTY (423) 949-2191 312 RESOURCE RD., PO BOX 909, DUNLAP 37327 Community agency providing a variety of services for residents. Programs include distribution of commodities, emergency utility assistance, rent assistance and weatherization to families to re-establish their lives. Transportation to congregate meal sites in the ten counties of Southeast Tennessee. Must make reservations 24 hours in advance through the Nutrition Site. IMPORTANT Routine ambulance transport is not the same as emergency care. If you need emergency care, call 911. Older Adults™…the Resource Guide

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OUTREACH

HOME DELIVERED MEALS

❂ “AGING”

WEBSITES

OUTREACH

www.setaaad.org Southeast Tennessee Area Agency on Aging and Disability www.aarp.org AARP

www.olderadults.net Online Older Adults Guide and other helpful information for seniors and caregivers

www.aahsa.org American Assc. of Homes and Svcs.for the Aging www.alz.org The Alzheimer’s Association www.asaging.org American Society of Aging

www.aoa.dhhs.gov U.S. Administration on Aging www.ncoa.org National Council on Aging

www.nsclc.org. National Senior Citizens Law Center www.elderhostel.org National Elderhostel Office www.senior.com SeniorCom

www.seniorlaw.com SeniorLaw Home Page

www.seniornews.com Senior News Network

www.spry.org Setting Priorities for Retirement Years www.ssa.gov Social Security Administration www.thirdage.com Third Age Media

www.elderweb.com Issues of importance to older adults

Tennessee Community Services Agency (TNCSA) (423) 893-2100 5600 BRAINERD RD., STE. B-18, CHATTANOOGA 37411 NCSA meets the needs of individuals, families and communities by coordinating and providing services across Tennessee. HANDICAPPED PARKING PERMITS

Handicapped Parking Program (615) 251-5310 or (615) 741-2701 TENNESSEE DEPARTMENT OF SAFETY For Tennessee resident drivers or passengers confined to a wheelchair, able to walk only with difficulty or uncertainty or with vision of not more than 20/200 with corrective lenses. Disabled drivers may apply for license plates or placards. Disabled passengers may apply for placards only. Temporary disabled person placards are also available for those with a temporary disabling condition for the estimated duration of the condition up to a maximum of six months. The temporary placard may be re-issued one time. Fees: $21.50 Annually for disabled plate $21.50 Permanent disabled placard (expires every two (2) years) $10.00 Temporary disabled placard (expires in 6 months) $3.00 Renewal of permanent placard $2.00 Replacement for lost placard Free plate or placard if applicant is permanently confined to a wheelchair or if placard is issued at the time plate is purchased. NON-EMERGENCY AMBULANCE TRANSPORT

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

Police and fire ambulance services are for emergency situations only. They take you to the closest hospital ER.

Life Guard 604 WATTS AVE., CHATTANOOGA 37421

(423) 499-9500

Memorial Emergency Medical Service (423) 495-3677 2525 DESALES AVE., CHATTANOOGA 37404

Portamedic (423) 899-0797 5720 UPTAIN RD., STE. 3000, CHATTANOOGA 37411 Most Services Offer: • 24 hour/7 day service • Direct billing for Medicare/Medicaid and secondary insurance • Family member or friend can ride along • Stretcher service. Not all are wheelchair equipped.

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Table of Contents

Page

• Southeast TN Telephone Quick Guide ..................................................19-20 • Senior Center Contact Information........................................................21-23 • Home Sweet Home: Staying at Home as Long as Possible .....................24 • Home Delivered Meals Programs................................................................26 • Options for Community Living ....................................................................27 • Information and Assistance.........................................................................28 • State Health Insurance Assistance Program .............................................28 • Homemaker Program ...................................................................................29 • Relative Caregiver Program ...................................................................30-31 • Family Caregiver Support Program ............................................................32 • Statewide Home and Community Based Services ...............................33-34

The Southeast Tennessee Development District/Area Agency on Aging and Disability is an Equal Opportunity Employer/Program. Auxiliary aids and services are available upon request to individuals with disabilities. TTY (423) 752-0640 This information is made possible through funds from the Older Americans Act, the Tennessee Commission on Aging and Disability and The Southeast Tennessee Development District/Area Agency on Aging and Disability 18

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Southeast TN Telephone Quick Guide COUNSELING SERVICES Bradford Health Services.................892-2639 Catholic Charities ............................267-1297 Chattanooga Veterans Center .........855-6570 Consumer Credit Counseling ..........490-5620 Episcopal Metro. Ministries..............624-9650 Fortwood Center..............................266-6751 Hospice of Chattanooga ..................267-6828 Jewish Community Federation ........493-0270 Johnson Mental Health Center ........870-9033 Partnership ......................................697-7130 Prison and Prevention Ministries .....622-5768 PSI...................................................266-4574 Samaritan Center ............................238-7777

FINANCIAL/FOOD/UTILITIES EMERGENCY ASSISTANCE Catholic Charities ............................266-1891 Chattanooga Area Food Bank .........622-1800 Chattanooga Human Services.........757-5541 Community Kitchen .........................756-4222 Episcopal Metro. Ministries..............624.9650 Food Stamps ...................................634-6200 Hamilton Co. Social Services ..........209-6855 Inner City Ministries .........................698-3178 Ladies of Charity..............................698-2606 Salvation Army756-1023 Northside Neigh. House ..................267-2217 Samaritan Center ............................238-7777 Coordinated Charities of Athens......745-9625 SETHRA (ask for the # to your county’s branch)..........(423) 949-2191 Chattanooga Human Services.........757-5227 United Way (Bradley Co.) ................479-8575 Y-ME of Chatt. (Breast Cancer) .......495-7724 Southeast Tennessee Edition 2010

N. Cleveland Church of God............472-4414 Red Cross (Bradley Co.) .................472-1595 Ministeral Assoc. (Grundy Co.) .......................(931) 692-2493 In His Name (McMinn Co.) ..............744-8010 Associated Charities of Etowah.......263-9260 Hope Ministries (Rhea Co.) .............775-4772 My Father’s House ..........................570-0133

LEGAL ASSISTANCE Legal Aid of East Tennessee ...........756-4013

MEDICAL / DENTAL CARE ASSISTANCE Affordable Dentures.........................894-9179 Alexian Lone Oak Clinic ..................886-4040 Alton Park Health Center.................778-2700 Bradley County ................................728-7020 Dodson Avenue Health Center........778-2800 Grundy Co..............................(931) 692-3641 Hamilton County Health Dept ..........209-8100 Inner City Ministries .........................698-3178 Marion County .................................942-2238 McMinn County................................745-7431 Meigs County...................................334-5185 Polk County ....................338-4533; 496-3275 Rhea County....................................775-7819 Ooltewah Health Center ..................238-4269 Sequatchie County ..........................949-3619 Sequoyah Health Center .................842-3031

MEDICAL EXPENSE ASSISTANCE Episcopal Metro. Ministries .............624.9650 Chatt. Goodwill ................................629-2501 Older Adults™…the Resource Guide

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Southeast TN Telephone Quick Guide Salvation Army (Hamilton Co.) ........756-1023 Kidney Foundation...........................265-4397 Northside Neigh. House ..................267-2217 Hamilton Co. Social Services ..........209-6855

Housing Info Line (Hamilton Co.) ....267-5223

PRESCRIPTION ASSISTANCE

HOME REPAIRS

See Page 36

MEDICARE HELP See Page 58 Medicare ...............................1-800-633-4227 State Health Insurance Assistance Program (SHIP)..................1-877-801-0044

HOUSING

Weatherization Assistance ..............757-5538 Chatt. Neigh. Enterprises ................756-6201 Widow’s Harvest Ministries..............266-0260 Hope for Chatt (Glenwood & surrounding areas) .......................698-4733 Rural Development..........................756-2239 Mtn. Top (Grundy, Marion, Sequatchie) .........................(931) 692-3999 Jim Jordan (Bledsoe Co.) ................544-3355

TRANSPORTATION CARTA Care-A-Van (Chatt) .............629-1473 SETHRA (ask for the # to your county’s branch)..........(423) 949-2191 Special Transit (STS).......................949-2191

HOME AND COMMUNITY BASED SERVICES Southeast TN Area Agency on Aging and Disability......................1-866-836-6678

SERVICES FOR THE DISABLED Chatt. Goodwill ................................629-2501 Partnership Deaf Services...............697-7130 Signal Centers .................................698-8528 Siskin Hosp. Rehab .........................634-1200 Speech & Hearing ...........................775-0303 TEAM Eval.......................................622-0500 TN Register of the Blind ......................634-6733; 634-6729 TN Dept. of Mental Health ......(615) 532-6500; 1-800-560-5767 TN Dept. of Retardation .........(615) 532-6533 TN Disability Law & Advocacy Center.................(615) 298-1080 20

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Information and Referral Specialist assists callers identify resources and needed referrals.

Southeast Tennessee Edition 2010

Senior Center Contact Information Senior centers are community focal points and are the first and foremost source of vital community based social and nutrition supports to help older Americans remain independent in their communities. Since their advent in 1945, senior centers have played a significant role in community-based services for older adults by providing opportunities for recreation, socialization, volunteer development, information and referral, advocacy, education, outreach, nutrition and health promotion.

The senior centers in the Southeast Tennessee District are located in the counties of Bledsoe, Bradley, Grundy, Hamilton, Marion, McMinn, Meigs, Polk, Rhea and Sequatchie. Older Adults can access a variety of services and participate in individual and group activities and classes. While programs vary by center, all offer outreach programs, health screenings and counseling, and a variety of interesting educational, fitness and volunteer programs. For more information on how to get involved in your local senior center see the contact information noted below: Bledsoe County Bledsoe Senior Activity Center P.O. Box 751, 120 Frazier St. Pikeville, TN 37367 (423) 447-6111 [email protected] Open Monday–Friday, 9:00 a.m.–3:00 p.m. Joyce Houston – Center Director/Congregate Meal Program Director

Bradley County Bradley/Cleveland Activity Center 230 Urbane Rd. Cleveland, TN 37312 (423) 559-2171 Open Monday–Friday, 8:00 a.m.–3:00 p.m. Dwight Donohoo – Center Director

Grundy County Gruetli Laager Senior Center Hwy 108 P.O. Box 127 Gruetli, TN 37339 (931) 779-5494 Open Monday–Friday, 8:30 a.m.–3:30 p.m. Linda Mainard - Center Director/ Congregate Meal Program Director

Southeast Tennessee Edition 2010

Senior activities and a nutritious lunch are offered weekdays at this center in Grundy County.

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Senior Center Contact Information Hamilton County Boynton Senior Neighbors of Chattanooga 957 Boynton Dr. Chattanooga, TN 37403 (423) 755-9108 [email protected] Open Monday–Friday, 8:30 a.m.–4:30 p.m. Susan Dunn – Center Director

Mary Walker Senior Neighbors of Chattanooga 2505 S. Market St. Chattanooga, TN 37408 (423) 756-3130 [email protected] Open Monday–Friday, 8:30 a.m.–4:30 p.m. Susan Dunn – Center Director

Meigs County Senior Center participants pose after playing a game of pool.

Soddy Daisy/North Hamilton Senior Neighbors of Chattanooga 190 Depot St. Soddy, TN 37379 (423) 332-1702 [email protected] Open Monday–Friday, 8:00 a.m.–2:30 p.m. Cathy Neely – Center Director

Marion County Whitwell Senior Center 900 Main St. Suite 2 (Basement) Whitwell, TN 37397 (423) 658-5000 Open Monday–Friday, 9:00 a.m.–2:00 p.m. Barbara Johnston - Center Director/Congregate Meal Program Director

McMinn County Etowah Area Senior Citizens Center, Inc. 435 Cooper St. Etowah, TN 37331 (423) 263-1209 [email protected] Anita Waugh - Center Administrator

McMinn Senior Activity Center 205 McMinn Ave. Athens, TN 37303 (423) 745-6830 http://www.geocities.com/mcminnsenior [email protected] Open Monday–Friday, 7:30 a.m.–4:30 p.m. (varying weekend and evening hours) Holly Currier – Center Director 22

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Senior Center Contact Information Meigs County Meigs Senior Activity Center 351 River Rd., P.O. Box 762 Decatur, TN 37322 (423) 334-3242 [email protected] Open Monday–Friday, 8:00 a.m.–2:00 p.m. Virginia Lee - Center Director/ Congregate Meal Program Director

Polk County Copperhill Senior Activity Center 840 Cherokee Trail Rt. 1 Box 252 Copperhill, TN 37317 (423) 496-7113 Open Monday–Friday, 8:00 a.m.–1:00 p.m. Sue Russell – Center Director

McMinn County Senior Activity Center

Rhea County Rhea Richland Senior Center 241 Alabama Ave. Dayton, TN 37321 (423) 775-6776 [email protected] Open Monday–Friday, 8:00 a.m.–2:00 p.m. Marilyn Monday – Center Director

Sequatchie County Sequatchie Senior Activity Center P.O.Box 2351 103 Heard St. Dunlap, TN 37327 (423) 949-2228 [email protected] Open Monday–Friday, 9:00 a.m. – 3:00 p.m. CST Cathy Cunningham - Center Director/ Congregate Meal Program Director

Participants decorate the Boynton Senior Center for Halloween.

* Senior Center hours are subject to change. Please contact your local Senior Center for the most up-to-date information.

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HOME SWEET HOME: STAYING AT HOME AS LONG AS POSSIBLE Statewide Home and Community Based Services Medicaid Waiver for Elderly and Disabled

The Statewide Home and Community Based Services (HCBS) Waiver is intended to provide a community-based costeffective alternative to institutional nursing facility care for eligible individuals.

The Commission on Aging and Disability serves as the Operating Lead for the Waiver, which is administered under the supervision of the Tennessee Department of Finance and Administration, Bureau of TennCare.

ELIGIBILITY

Individuals wishing to enroll in the HCBS Medicaid Waiver must meet the following requirements:

• Be a resident of the State of Tennessee • Meet the financial requirement to receive Medicaid as determined by the Department of Human Services. • Meet TennCare Pre-Admission Evaluation (PAE) medical criteria for Level I nursing facility care • Be an adult 21 years old or older • Be able to receive services in the home at a cost less than that of institutional care • Must have an identified caregiver

SERVICES

Case Management Enrollees receive case management visits for the purpose of arranging and coordinating waiver and other services and reviewing the quality of care. Personal Care Services Enrollees may receive assistance with activities of daily living and other activities that enable the Enrollee to remain in the home. Homemaker Enrollees may receive help with household chores such as sweeping, mopping, dusting, making the bed, washing dishes, personal laundry and errand running. Adult Day Care Community based group programs of care lasting from 3 to 8 hours per day by a licensed provider not related to the participating adult. Personal Emergency Response System An electronic device which enables certain individuals at high risk to secure help in an emergency. 24

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Personal Care Attendant Enrollee will receive direct assistance with activities such as toileting, bathing, dressing, personal hygiene, eating, meal preparation (excluding the cost of food), budget management and attending appointments. An Enrollee may receive up to 20 hours per week. In-Home Respite Enrollees unable to care for themselves will have someone to come on a short-term basis because of the absence or need for relief of the normal caregiver. Minor Home Modifications Enrolles may receive the provision and installation of certain home mobility aides and modifications to the home environment to enhance safety. Pest Control The use of sprays, poisons and traps, as appropriate, in the enrollee’s residence to regulate or eliminate the intrusion of roaches, wasps, mice, rats and other pests into the household. Home Delivered Meals Nutritionally balanced meals that provide at least one third but no more than two-thirds of the current daily recommended dietary allowance. Inpatient Respite Respite provided in a Nursing Home or Assisted Living Facility at a maximum of 9 days per year to provide relief for the caregiver. Assistive Technology Assistive devices, adaptive aids, controls or appliances which enable an enrollee to increase the ability to perform activities of daily living or to perceive or control their environment. Assisted Living Homemaker service, personal care service and medication management (up to a limit) provided in a home-like environment in a licensed Assisted Care Living Facility.

SERVICE AREA

The Southeast Tennessee Area Agency on Aging and Disability serves the counties of Bledsoe, Bradley, Grundy, Hamilton, Marion, McMinn, Meigs, Polk, Rhea and Sequatchie.

If you would like to have additional information please call the Information and Assistance number (Toll Free) 1-866-836-6678. Southeast Tennessee Area Agency on Aging and Disability 1000 Riverfront Parkway, P. O. Box 4757, Chattanooga, Tennessee 37405

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Home Delivered Meals Program Know anyone who needs a noontime meal delivered daily? This program provides a noontime nutritionally balanced meal, served in your home.

Funding is made available through the Older Americans Act and is administered locally by the Southeast Tennessee Area Agency on Aging and Disability. ELIGIBILITY

Individuals wishing to enroll in the Home Delivered Meals Program must: • Be a resident of the State of Tennessee • Be 60 years of age or older • Have a physical disability and be homebound • Have limitations in Activities of Daily Living and Independent Activities of Daily Living • Be unable to prepare a meal for themselves and have no one available to prepare the meal SERVICES

The hot lunch contains an entrée, two vegetables, bread, milk and a dessert. All meals are low in salt and fat. Meals without dessert and with skim milk are available with doctor’s approval. Frozen meals can be picked up on Fridays for individuals in outlying areas where volunteers are not available for delivery. HOW TO ACCESS THE PROGRAM

The Home Delivered Meals Program allows older persons and persons with disabilities to have independent lifestyles for as long as possible. An Information and Assistance Coordinator takes referrals by phone and screens for eligibility. Eligible consumers are assessed by a Service Coordinator who recommends and arranges for appropriate in-home services. To make a referral, call 1-866-836-6678 or 1-866-TENNOPT. COST

Meals are provided at no cost to the consumer but contributions are a vital part of maintaining the program. Suggested contributions are $1.50 per meal or more. Volunteers for the Home Delivered Meals Program are always needed in all ten counties. For more information about becoming a volunteer, call (423) 266-5781 and ask to speak with a representative of the nutrition program.

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Southeast Tennessee Edition 2010

Options for Community Living The statewide Options for Community Living Program serves elderly and disabled individuals by providing home and community based services to assist frail older adults and adults with disabilities to remain in their own homes, and avoids premature institutionalization. ELIGIBILITY

Individuals wishing to enroll in the Options Program need to meet the following requirements: • Be a resident of the State of Tennessee • Be 18 years of age or older • Must have a physical disability • Must have limitations in Activities of Daily Living and Independent Activities of Daily Living SERVICES

An individual plan is developed for each participant and may include: 1. Homemaker Services – Consumers may receive assistance with general household chores such as sweeping, mopping, dusting, making the bed, washing dishes, physical laundry, etc. 2. Personal Care Services – Consumers may receive assistance with activities of daily living and related essential household tasks, and other activities that enable the consumer to remain in the home. 3. Home Delivered Meals – Nutritionally balanced meals, that provide at least one third of the Dietary Reference Intake (DRI) and will be served in the consumer’s home. HOW TO ACCESS THE PROGRAM

The Options for Community Living Program allows older persons and persons with disabilities to have independent lifestyles for as long as possible. An Information and Assistance Coordinator takes referrals by phone and screens for eligibility. Eligible consumers are assessed by a Service Coordinator who recommends and arranges for appropriate in-home services. To make a referral, call 1-866-836-6678 or 1-866-TENNOPT.

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SHIP & Information and Assistance

Tennessee State Health Insurance Assistance Program (SHIP)

The SHIP Program is a statewide program that provides free and objective counseling and assistance to persons with questions or problems regarding Medicare and other related health insurances as well as prescription assistance. In Tennessee, SHIP operates through the state’s nine Area Agencies on Aging & Disability (AAAD’s). These agencies offer a variety of services besides SHIP, all aimed at persons who are elderly and/or have disabilities to live better lives. Contact your local State Health Insurance Assistance program by calling (Toll free):

1-877-801-0044

Information and Assistance

The Southeast Tennessee Area Agency on Aging and Disability advocates for and assists older persons and persons with disabilities, their families, and the agencies and organizations helping them. The Information and Assistance program is available to assist callers with locating resources and services in the following counties: Blesdoe, Bradley, Grundy, Hamilton, Marion, McMinn, Meigs, Polk, Rhea and Sequatchie All calls are handled in a confidential fashion. Our staff is waiting to assist you when you call our toll-free number at:

1-866-836-6678

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Southeast Tennessee Edition 2010

Homemaker Program The program is designed to provide trained staff to assist elderly consumers who, because of illness or disability, need help with routine household activities, including meal planning, maintaining a safe living environment, budgeting, shopping, meal preparation, general household management and light housekeeping. ELIGIBILITY

Individuals wishing to enroll in the Homemaker Program need to: • Be a resident of the State of Tennessee • Be 60 years of age or older • Must have a disability that makes them unable to perform household management tasks • Must have limitations in Activities of Daily Living and Independent Activities of Daily Living SERVICES

The program provides routine light housekeeping including but not limited to: sweeping, mopping, dusting, vacuuming, cleaning kitchens and bathrooms, changing bed linens, making beds, laundry, ironing, mending, preparing meals and education about preparation of nutritious appetizing meals. SERVICE AREA

The Southeast Tennessee Area Agency on Aging and Disability serves the counties of Bledsoe, Bradley, Grundy, Hamilton, Marion, McMinn, Meigs, Polk, Rhea and Sequatchie. HOW TO ACCESS THE PROGRAM

The Homemaker Program allows older persons to have independent lifestyles for as long as possible. An Information and Assistance Coordinator takes referrals by phone and screens for eligibility. Eligible consumers are assessed by a Service Coordinator who recommends and arranges for appropriate in-home services. To make a referral, call 1-866-836-6678 or 1-866-TENNOPT.

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Relative Caregiver Program (RCP) Funded in part by the Tennessee Department of Children’s Services The Relative Caregiver Program (RCP) is set up to be a “One Stop Shop” for families comprised of relatives raising non-birth children (i.e., grandparents raising children, etc.). It is a comprehensive system of information, support services and referral designed to promote resource awareness and stability for families. This program provides these families support and assistance in order to prevent the children from entering or re-entering state custody and supports the families and children once they exit custody.

Finding treasures at the RCP Easter Egg Hunt.

Who does RCP serve? RCP serves the following counties: Hamilton, Bledsoe, Bradley, Franklin, Grundy, Marion, McMinn, Meigs, Polk, Rhea and Sequatchie Counties.

Who qualifies for RCP? • Caregivers who have primary care and control of the child through formal or informal family arrangements. They may have legal custody or guardianship. Caregivers DO NOT have to have a formal relationship with DCS to qualify. • Caregivers who have children who are age 18 or under; age 19, if the child will complete high school or vocational training before age 20. • Caregivers who are related to their children through blood, marriage, or adoption. • Caregivers who reside in the service area. • Caregivers who are able to provide a safe home for the child and be committed to providing that home as long as is necessary and appropriate. 30

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Relative Caregiver Program (RCP) What does RCP offer to the families and children enrolled? • Information and Referral (i.e., information about Legal Services, Individual and Family Counseling, Material Assistance, Homemaker Services, Housing Assistance, Mental Health Services, Food Assistance) • Caregiver Support Groups • Activities/Support Groups for Children and Teens • Educational Workshops • Enrichment Activities for Children and Families • Family Advocacy/Short-term Case Management

How do you enroll in the Relative Caregiver Program? • Call 1-866-735-8752 to provide your basic contact information. • The Specialist will then send your information to the Family Advocate. • The Family Advocate will set up a time to meet with you at your home. • During this visit, the Advocate will assess your needs, determine what kind of assistance you are eligible for, create an action plan for you and your family and answer any other questions you have about the program. • The Family Advocate will then place you in either Direct Services care or Case Management depending upon your current needs. • After the initial home visit, you are now qualified to attend enrichment activities provided by RCP as well as support groups! Relative Caregiver Program

To Make a Referral or to Enroll, Call 1-866-735-8752

RCP participants enjoy an evening at a Chattanooga Lookouts baseball game. Southeast Tennessee Edition 2010

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Family Caregiver Support Program WHO IS ELIGIBLE FOR SERVICES?

1) Anyone who is a caregiver of a senior 60 years of age and older.

2) Anyone who is a caregiver of a person 55 years or older who has a diagnosis of Alzheimer’s disease.

3) Grandparents or other senior relatives who are primary caregivers of children not more than 18 years of age. FIVE CATEGORIES OF SERVICES TO BE PROVIDED

1) Information for caregivers about available services

2) Assistance to caregivers in gaining access to services

3) Caregiver training through workshops and conferences, support groups and individual counseling – to assist caregivers in making decisions and solving problems relating to their caregiving roles.

4) Respite Services – to enable caregivers to be temporarily relieved from their caregiving responsibilities 1) Adult Day Care 2) Short-Term In-Home Respite 3) Overnight Respite 4) Personal Care (long-term help with bathing, grooming, etc.) 5) Homemaker Service

5) Supplementary Services – offered on a limited basis to complement the care provided by family caregivers 1) Personal Emergency Response Systems 2) Assistive Technology 3) Help with purchasing medical supplies not covered by insurance (other than insurance) 4) Minor Repairs or Home Modifications 5) Home Delivered Meals 6) Incontinence Supplies

HOW THE PROGRAM WORKS

In Southeast Tennessee, after being enrolled in the Family Caregiver Support Program, the primary caregiver in this program may use up to $2,000 in respite services over 12 months. The key concept in the program is CAREGIVER CHOICE. The caregiver makes the decisions about: a) The type(s) of respite care services to be used;

b) Which service provider(s) to use (from the list of those with whom the AAAD has an agreement); and

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c) When the service(s) will be used.

Older Adults™…the Resource Guide

Southeast Tennessee Edition 2010

Participants at Gruetli Laager Senior Center assist in meal preparation.

Mary Walker Senior Aides provide program support and assist with activities.

Rhea-Richland Senior Center wins 1st place in the 2009 Strawberry Festival Parade.

Southeast Tennessee Edition 2010

CONSUMER HELP

Senior Center Activities

Meigs County seniors participate in the 2009 Senior Olympics.

Participants at Boynton Senior Center enjoy a game of pool before lunch.

McMinn Senior Activity Center participant throws the javelin at the Senior Olympics. Older Adults™…the Resource Guide

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Senior–Friendly Exercise: Seated Tai Ji Tai Ji is a low-impact exercise shaped by traditional Chinese medicine and Chinese martial arts. The exercise has been adapted to allow people with ambulatory difficulties to experience its benefits.

CONSUMER HELP

Dr. Zibin Guo is a medical anthropologist at the University of Tennessee of Chattanooga and a master of the applied Tai Ji who contributed to the development of seated Tai Ji. He directed a presentation of wheelchair Tai Ji at the 2008 Olympics and Paraolympics. Dr. Zibin Guo is a master of applied Tai Ji.

According to Dr. Guo, “Often people with ambulatory difficulties are afraid of falling. Seated Tai Ji can help maintain a sense of coordination while minimizing the fear of falling during exercises.”

Some benefits of Seated Tai Ji include reducing pain and stiffness in joints, slowing bone loss, improving immune system function, enhancing physical and mental balance, enhancing the body’s range of motion, increasing posture and body awareness, increasing stamina, reducing bodily pain and stress, expanding lung capacity, improving abdominal circulation, increasing energy, elevating mood and fostering relaxation.

The exercise contributes to the improvement of mental and physical well being of people affected by depression, fibromyalgia, lower-limb injuries, cardiopulmonary disease, multiple sclerosis, Parkinson’s disease, severe rheumatoid arthritis and stroke.

For more information on Tai Ji or Seated Tai Ji and for instructions on how to practice the exercise, please visit www.appliedtaiji.com.

Dr. Zibin Guo conducts a Seated Tai Ji workshop.

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Southeast Tennessee Edition 2010

HOME DELIVERED MEALS VOLUNTEERS If you are interested in volunteering in the Home Delivered Meals program in Hamilton County, please call Good Neighbors at (423) 266-1772. If you are interested in volunteering in Bledsoe, Bradley, Grundy, Marion, McMinn, Meigs, Polk, Rhea, or Sequatchie County, please call the Senior Center in that county (listing on page 14 of this Guide).

Consumer Help & Information Handy forms and guides in this section: How to Communicate Your Loved One’s Symptoms Regarding Overall Well Being, Pain and More . . . .43 Advance Care Plan . . . . . . . . . . . . . . . . . .45 Appointment of Health Care Agent . . . . .47 Home Safety Checklist . . . . . . . . . . . . . . .48

VETERANS TAKE NOTE Property tax relief is available for disabled veterans and their surviving spouses. Veterans with a service-connected disability of 100% may qualify for a deduction. Contact your County Trustee’s or City Collecting Official’s Office for more information and an application. You also need proof of property ownership through a tax receipt, proof of disability (you need Form F-16, which can be filled out at the County Trustee or City Collecting Official office). A form of personal identification is also needed.

Advertisers who offer services that pertain to this section: Libraries Chattanooga-Hamilton County Bicentennial Library . . . . . . . . . . . . . . .37

CAREGIVER TIP If you are a caregiver for someone who must leave the home due to incapacity or hospitalization, you may have many questions: • How do I handle inquiries of caring friends and family while giving the loved one needed time and space? • How do I handle family and friends’ differing thoughts about current care and after care? • How do I care for the home and bills while he/she is gone?

Please support our advertisers for making this guide possible. Tell them you saw it in Older Adults™. www.setaaad.org Southeast Tennessee Area Agency on Aging & Disability

• Can my loved one return home or will there be a move to another facility?

How do I get my medals?

• How do I handle the selling of the home and related assets if returning home is not possible? • Where can I turn for survival tips? Try these resources for help: • Talk with your social worker at the hospital, residential care facility or nursing home. • Do you have friends who’ve coped with the same issues? Talk with them and learn from their experiences. • Consider attending a caregiver support group. • Talk with your employer about the availability of elder care consultation and referral services as part of your benefits package.

If you are due medals for acts of honor and bravery, you can have them issued by sending the request on Standard Form 180, Request Pertaining to Military Records. If you can’t get a copy of Form 180, type or handwrite a request including your full name, date of birth, signature, branch of service, service ID or Social Security number, dates of service and a copy of your discharge papers. All services write to: National Personnel Records Center, 9700 Page Ave., St. Louis, MO 63132-5100

call for all services, (314) 801-0800, or email: [email protected]

• USE THIS GUIDE! Southeast Tennessee Edition 2010

www.setaaad.org

Older Adults™…the Resource Guide

35

Discount Programs

See also Education & Leisure and Utilities Assistance.

CONSUMER HELP

DON’T FORGET Many businesses and Always ask if a senior restaurants offer senior citizen’s discount is citizen discounts, special available! shopping hours, and incentive programs and/or clubs. Most arts and entertainment events also offer special rates for seniors. Hospital adult membership programs may offer discounts on medical and pharmaceutical supplies.

AARP (American Association for Retired Persons) NATIONAL 1-888-OUR-AARP (687-2277) AARP OF TENNESSEE 1-866-295-7274 www.aarp.org Holds regularly scheduled meetings and provides health, advocacy, social, recreation, volunteer and employment opportunities. Insurance, income tax assistance, defensive driving programs, housing option information, prescription drug and consumer discounts, and governmental advocacy are also provided. Community service and health education programs. PARKS ADMISSIONS

National Park Service (865) 436-1200 U.S. DEPT. OF INTERIOR — AMERICA THE BEAUTIFUL LAND PASS GREAT SMOKY MOUNTAINS NATIONAL PARK, 107 PARK HEADQUARTERS RD., GATLINBURG, TN 37738 www.nps.gov $10 lifetime pass provides access to federally operated parks, monuments, historic sites, recreation areas and wildlife refuges. Allows 50% discount on boat launching and camping fees in national parks (not lodging). Does not apply to county, state or city parks. DISCOUNT PHARMACIES/PHARMACY SERVICES

Need help with your prescription medications? The retail chains listed below offer generic drugs at a low cost. K-Mart 90-day supply for $15 GoldK Card: Age 50+ save 5–20%

TAKE NOTE You need four documents to help protect your wishes or to assume responsible caregiving for a loved one: a General Durable Power of Attorney (for financial and legal); an Appointment of Health Care Representative; either a Statutory Living Will or a Living Will with a Vegetative State Proviso; and a Life Prolonging Procedures Declaration. Tell your doctor, executor, guardian, family and close friends that you have these documents and where they are. Make sure all copies are signed and notarized. 36

Older Adults™…the Resource Guide

Target 30-day supply for $4 Wal-Mart / Sam’s Club Pharmacy 30-day supply for $4 90-day supply for $10

Walgreens *Membership fee required ($20 individual or $35 family per year) Generics for less than $1 per week (Based on $12 for a 90-day supply under Prescription Savings club pricing). 10% reward on all Walgreen brand and photofinishing services. ■ FREE OR LOW DISCOUNT CARDS AARP MemberRx Choice 1-877-422-7719 www.aarp.org Eligibility: Must be 50 years of age or older and a member of AARP which costs $16 per year. Benefits: Discounts averaging 20% Cost: $19.95 Citizens Prescription Drug Program (617) 338-6300 www.citizenshealth.com Eligibility: Nationwide (excludes some states) Benefits: Discounts averaging 10% to 20% on namebrands; 5 to 40% on generics. Cost: $12 per year FamilyWize Prescription Drug Savings Program www.unitedway.org Eligibility: Everyone Benefits: An average of 20% or more on prescriptions Cost: Free Contact: Contact your local United Way. Pharmacy Reward www.pharmacyreward.com/needymeds/index.cfm Benefits: You pay the pharmacy's lowest price Eligibility : Everyone Cost: Free

Rx Help for You www.RxHelpforYou.com Benefits : 10% to 50% Eligibility : Everyone Cost: Free CAREGIVER TIP The most common life insurance policies issued in 1920–50’s do not pay interest and cap the payment at the issued face amount. You would likely be better off to cash in the policies and reinvest them with current equity instruments. Southeast Tennessee Edition 2010

Alexian Brothers Senior Neighbors 1000 NEWBY ST., CHATTANOOGA 37402 (423) 755-6100 Free and low cost activities such as travelogues and foreign languages are available in addition to participation in the Scenic City Chorale, Senior Neighbors Pops Orchestra and the Ripe and Ready Players theatre group. The Leadership Academy is designed to assist participants in exploring how our citizens and leaders can work together to make the Chattanooga community a better place to live through presentations, panel discussions, field trips and projects. For more information, call (423) 755-6100.

Elderhostel (617) 426-7788 11 AVE. DELAFAYETTE, BOSTON, MA 02111 www.elderhostel.org Volunteers help provide assistance to victims of disasters.

Chattanooga-Hamilton County Bicentennial Library (423) 757-5310 CENTRAL LIBRARY, 1001 BROAD ST., CHATTANOOGA 37402 www.lib.chattanooga.gov/seniorSites Check the website or your local branch to find out about programs and help for seniors.

Chattanooga History Center (423) 265-3247 615 LINDSAY ST., STES. 100 &200, CHATTANOOGA 37403 www.chattanoogahistory.com

Southeast Tennessee Edition 2010

Office hours: 9 A.M.–5 P.M. 7 weekdays. Closed major holidays. Currently in a temporary location while a new facility is built, we operate a museum without walls, presenting classes, workshops, special events, portable programs and site specific history tours. Though there are no exhibits at the interim space, the Center maintains an extensive collection of area artifacts, and serves as a resource for researchers, both professional and lay public. Tennessee Senior Olympics CHATTANOOGA METROPOLITAN DISTRICT (HAMILTON COUNTY), ALEXIAN BROTHERS SENIOR NEIGHBORS - SENIOR GAMES, (423) 755-6100 1000 NEWBY ST., CHATTANOOGA 37402 SOUTHEAST TENNESSEE DISTRICT (BLEDSOE, BRADLEY, GRUNDY, MARION, MCMINN, MEIGS, POLK, RHEA & SEQUATCHIE CO’S.), MC MINN COUNTY SENIOR CITIZENS, INC. PO BOX 41, ATHENS 37371 (423) 745-6830 www.tnseniorgames.com Participation in the Tennessee Senior Olympics begins in the ten districts across the state, which hold events in the spring of each year with the top four finalists in each age group advancing to the state finals each summer. The Senior Games program is a fun and challenging activity for participants, volunteers, spectators and communities across the state.

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CONSUMER HELP

Education and Leisure

Safety and Security See also Education and Medical Emergency Response Systems. SAFE DRIVING

CONSUMER HELP

55 Alive 1-888-227-7669 www.aarp.org AARP offers classroom driver education classes to alert older drivers to changes in traffic, their own changing physiology and current regulations. Most insurance companies offer 5–15% discounts for completing courses. $12 members; $14 non-members. Tennessee Safety and Health Council (423) 553-1945 6720 HERITAGE BUSINESS CT., STE. 602, CHATTANOOGA 37421 www.tnsafetycouncil.org/ Defensive driving school offered. Auto Safety Hotline 1-800-424-9393 Department of Transportation hotline. DRIVING EDUCATION AND TRAINING

Siskin www.siskinrehab.org

(423) 634-1389

CONSUMER HELP

AARP (American Association for Retired Persons) NATIONAL 1-888-OUR-AARP (687-2277) AARP OF TENNESSEE 1-866-295-7274 www.aarp.org Holds regular meetings. Provides health, advocacy, social, recreation, volunteer and employment help. Insurance, income tax assistance, defensive driving and housing option information, prescription drug and consumer discounts, and governmental advocacy are also provided. Community service and health education programs. Better Business Bureau (423) 266-6144 1010 MARKET ST., STE. 200, CHATTANOOGA 37402 www.chattanooga.bbb.org Reports on companies, charities and investment opportunities. Helps resolve disputes with local companies. Mediation and/or arbitration available. TAKE NOTE

• If it sounds too good to be true, it usually is. • Free prizes or trips usually are not! • Giving your credit card number to someone you don’t know is like giving them a blank check! • Never give out your credit card number to someone who calls to solicit you over the phone or approaches you in your home. 38

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The Direct Marketing Association C/O DMA, P.O. BOX 9008, FARMINGDALE, NY 11735-9008 You can write to have your name removed from national lists to reduce the amount of nationally originated junk mail and telephone solicitations received at your home. May take three months. Tennessee Division of Consumer Affairs (615) 741-4737 or 1-800-342-8385 500 JAMES ROBERTSON PKWY., 5TH FL., NASHVILLE 37243-0600 www.state.tn.us/consumer Agency works to protect consumers from deceptive business practices. Crime Stoppers (423) 698-3333 3410 AMNICOLA HIGHWAY, CHATTANOOGA 37406 Telephone line that anyone can call and confidentially give information about criminal activity to police. Callers will be assigned a code number and can therefore remain anonymous. GOVERNMENT INFORMATION

Federal Information Center 1-800-688-9889 www.usa.gov Phone prompts provide information on: #0 Customer service representative #1 Library of topics VICTIM/WITNESS ASSISTANCE PROGRAMS

Advocacy – Coalition Against Family and Community Violence (423) 475-6196 1 CHEROKEE BLVD., 2ND FL., CHATTANOOGA 37405 Umbrella organization including agencies, organizations, offices and departments, law enforcement and courts involved in providing services to victims/perpetrators of domestic and family violence. Family Violence issus include: sexual assault, elder abuse, juvenile crime, shool and workplace violence, etc. Crime Victims’ Compensation Fund/Tennessee (615) 741-2734 DIV OF CLAIMS ADMINISTRATION, 9TH FL., ANDREW JACKSON BLDG., 502 DEADRICK ST., NASHVILLE 37243 State agency that assists innocent crime victims in filing for compensation to alleviate the financial hardship suffered as victims of violent crime or drunk driver injuries. Reimbursement may include medical, counseling, funeral and loss of wage compensation. Crimes must be reported to law enforcement authorities within 48 hours. Claims must be filed within one year of the date of the incident. The claimant must fully cooperate with the investigation and prosecution of the offender and the victim must not have contributed in any respect to the crime. Southeast Tennessee Edition 2010

Finances and Legal Matters Both state and federal tax offices assist taxpayers over the telephone. During filing season (January–April), specially trained AARP and VITA volunteers help seniors complete tax forms.

Many tax returns are filed by, or on behalf of, individuals who are not required to file. If earned income is below the minimum IRS amount (changes yearly), you do not have to file. Some exceptions apply. For forms and publications, call the IRS Form Distribution Center at 1-800-829-1040.

Adults 65+ who meet income guidelines may qualify for a refund of up to $100. To apply for the unified tax credit, applicants must file form SC-40 by July 1. Forms available from VITA and at AARP sites. Property Tax Relief If you are 65 years or older, or if you are 100% disabled, you may qualify for city or county property tax relief. Please contact your local city and/or county offices for additional information.

Internal Revenue Service (423) 855-6460 or 1-800-829-1040 5740 UPTAIN RD., CHATTANOOGA 37411 www.irs.gov Hours: MONDAY-FRIDAY, 8:30 A.M.-4:30 P.M.

Tennessee Department of Revenue (615) 253-0600 ESTATE TAXES (615) 532-6438 ANDREW JACKSON BLDG., 500 DEADERICK ST., NASHVILLE 37242 Answers questions about state taxes. VITA (Volunteer Income Tax Assistance) Prepares tax returns for low income and elderly. Taxes are prepared at the following locations: • Bethlehem Federal Credit Union • Brainerd Recreation Center • Church Koinonia Credit Union • City Human Services • East Chattanooga Recreation Center • Northgate Mall • Orchard Knob Baptist Church / Matthews House • Shepherd Recreation Center CREDIT COUNSELING

Consumer Credit Counseling (423) 490-5620 PARTNERSHIP FOR FAMILIES, CHILDREN AND ADULTS 2245 OLAN MILLS DR., CHATTANOOGA 37421 Specializes in budget counseling, voluntary debt management and consumer financial education. Also a HUD-approved counselor for housing issues such as pre and post-purchase, and rent counseling, as well as pre and post bankruptcy counseling. Southeast Tennessee Edition 2010

ESTATE PLANNING

See also Advance Directives which are a key part of your estate planning process.

Chattanooga Bar Association (423) 756-3222 PIONEER BLDG., 801 BROAD ST., STE. 420, CHATTANOOGA 37402 Referrals to attorneys for private consultation.

■ TERMS Estate Tax Federal government taxes estates on an escalating percentage.

Joint Tenancy Two or more people (such as a couple) own or hold title to an asset. If held with right of survivorship, probate is avoided until the death of the last joint tenant/spouse. There are pros and cons of joint tenancy which should be discussed with an attorney.

Living Trust Allows you to transfer ownership of property and assets to a trust which is administered by someone you appoint, including yourself. There are both changeable and non-changeable (revocable and irrevocable) trusts, each of which have differing effects on taxes and government benefits.

Probate Court proceeding which arranges for resolution of all legal and financial matters of the deceased. Title and asset changes are made according to the wishes in a valid will, or state directives in the absence of a will. Probate takes an average of nine to 24 months. Fees include attorneys, court, asset appraisals and sometimes bond premiums (5–15% of estate value). Information is public record. Probate proceedings are required in every state in which property is owned. Ways to avoid probate include joint ownership of all assets such as bank accounts, IRAs, life insurance or a house mortgage. These will all go into probate, however, upon the death of the second spouse.

Revocable Living Trust A planning tool that takes the place of a will and avoids probate. Transfers assets to a trust that is administered by a named trustee, which could be yourself. Allows you to control who you wish to receive your assets and who will manage and distribute them after your death or disability. A successor trustee will assume management without need for a legal guardianship. It can be changed or revoked at any time.

Unlimited Marital Deduction No estate taxes are imposed on surviving spouse regardless of size of estate. However, estate tax is imposed at the time of death of the surviving spouse if the estate exceeds the threshold amount. Older Adults™…the Resource Guide

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CONSUMER HELP

TAX PREPARATION ASSISTANCE

Will

TAKE NOTE

CONSUMER HELP

A legal document which declares how you want your assets distributed after your death. Every will must be signed by the maker. If you must change your will, this can be done by making an addition to the original will called a codicil. Do not write below the signature on the original will. Draw up a new change document/ codicil. Upon death, the person named executor of the estate should go to Probate Office Court to begin execution of the will. If there is no will, the court will distribute assets according to state law.

■ TERMS AND INFORMATION RELATING TO THE CARE OF ANOTHER PERSON Durable General Power of Attorney Gives power to another to make legal or financial decisions such as check cashing, banking needs, filling out tax forms, etc. if you are unable to do so. The powers can be narrow or broad. You should not use a form to assign power of attorney as they are often flawed and not legally binding. Use an attorney or call the Legal Aid Society.

Durable Power of Attorney for Healthcare Gives power to another to make medical decisions if you are unable to do so. It should be used along with a Living Will Declaration. Living Wills are extremely limited to life and death medical care. It is an important companion document in the event of incompetency, but not life or death decision making.

Guardianship/Conservatorship A conservator can be appointed by the appropriate Court after an application for conservatorship has been filed and evidence has been submitted that the individual is incompetent and thus unable to manage decisions related to his/her person or finances. The person whose competency is in question, the proposed ward, is given the opportunity to refute the need for a

Hospitals, hospice providers, social service agencies, neighborhood senior centers and religious organizations all have an ongoing need for volunteers. conservator if he/she chooses. The effect of a finding of incompetency is the removal of all the ward’s rights. There are strict court procedures for supervising and maintaining conservatorship/guardianship.

Representative Payee The person designated by the Social Security or Veterans Administration to receive a benefit check on behalf of another person. For example, a check for James Smith is paid to Lucy Jones (Lucy Jones must be able to provide a full accounting of her use of the money on behalf of James Smith if requested to do so). The designation may be altered by requesting a change at the SSA or VA office. VETERAN SERVICES

American Red Cross (423) 265-3455 801 MCCALLIE AVE., CHATTANOOGA 37403 www.chattanoogaredcross.org/ Services to members of the armed forces and their families.

Paralyzed Veterans of America 800-424-8200 801 EIGHTEENTH STREET NW, WASHINGTON, DC 20006-3517 Advocates for paralyzed veterans and their families for VA benefits and eligibility for government programs.

Tennessee Dept. of Veterans Affairs (423) 634-6488 540 MCCALLIE AVE., STE. 109, CHATTANOOGA 37402

Veterans’ Benefits 1-800-827-1000 INFORMATION & REFERRAL www.va.gov Information on veterans’ benefits. Also offers education, home loan, medical and disability assistance.

Volunteer Opportunities

AARP (American Association for Retired Persons) 1-888-OUR-AARP (687-2277) NATIONAL AARP OF TENNESSEE 1-866-295-7274 www.aarp.org Holds regularly scheduled meetings and provides health, advocacy, social, recreation, volunteer and employment opportunities. Insurance, income tax assistance, defensive driving programs, housing option information, prescription drug and consumer discounts, and governmental advocacy are also provided. Community service and health education programs.

Alexian Brothers Senior Neighbors (423) 755-6100 RETIRED SENIOR VOLUNTEER PROGRAM (RSVP) 1000 NEWBY ST., CHATTANOOGA 37402 Helps people age 55+ find volunteer opportunities in the Chattanooga area. RSVP participants serve from a few to forty hours a week in organizations such as 40

Older Adults™…the Resource Guide

hospitals, youth recreation centers, local police stations and education facilities. For more information, contact the RSVP office at (423) 668-2141.

American Red Cross (423) 265-3455 801 MCCALLIE AVE., CHATTANOOGA 37403 Volunteers help provide assistance to victims of disasters.

Big Brothers/Big Sisters (423) 698-8016 2015 BAILEY AVE., CHATTANOOGA 37404 Children are paired with an adult volunteer for guidance, friendship and companionship.

Catholic Charities of East TN (423) 265-2122 859 MCCALLIE AVE., CHATTANOOGA, TN 37403 Nearly 275,000 volunteers of all faiths volunteer at Catholic Charities agencies. They are critical to our ability to efficiently and effectively serve over 7 million people of diverse faiths and diverse needs.

Southeast Tennessee Edition 2010

Foster Grandparent Program (423) 757-5509 501 WEST 12TH STREET , CHATTANOOGA 37402 www.seniorcorps.org Volunteer opportunities for seniors age 55+ to serve 20 hrs/wk. mentoring special-needs children in one of 35 non-profit agencies in Hamilton, Bradley or McMinn co’s. Non-taxable stipend provided for eligible volunteers. Transportation assistance, training and other benefits. Retired Senior Volunteer Program (RSVP) (423) 334-4270 351 RIVER RD., DECATUR 37322 For Bradley, McMinn, Meigs and Polk counties.

Service Corps of Retired Executives (SCORE) (423) 553-1722 5726 MARLIN RD., STE. 515, CHATTANOOGA 37411 Retired business people lend expertise and advice on a one-on-one basis. Also has workshops and seminars.

State Health Insurance Assistance Program/ Senior Medicare Patrol Project 1-877-801-0044 Volunteering as a SHIP/SMPP counselor is a great opportunity to assist Medicare recipients with understanding their health care coverage. If interested, please contact the SHIP hotline above.

The Volunteer Center (423) 752-0300 UNITED WAY, 630 MARKET ST., CHATTANOOGA 37402 For all 10 counties covered by the Southeast Tennessee Area Agency on Aging and Disability.

Volunteer Guardianship Program (423) 424-4274 SOUTHEAST TENNESSEE AREA AGENCY ON AGING AND DISABILITY 1000 RIVERFRONT PKWY., CHATTANOOGA 37402

?

Want to help others? Want to learn more about Medicare? Want to learn more about Part D?

Become a Volunteer!

If you have one-half day per week to be available in a central location in your county and are willing to take an active role in your community, then this project is definitely for you! We will provide you with a 2–3 day training session designed to answer your questions about Medicare and teach you the necessary skills needed to help others.

If you are interested in becoming a volunteer or would simply like more information, please contact: Southeast TN Area Agency on Aging & Disability State Health Insurance Assistance Program

1-877-801-0044

Employment

Today’s job market respects experience and companies are hiring older workers as cost-effective solutions to acquiring talent. Studies show that older workers can improve a company’s productivity while reducing its personnel costs. Older workers account for fewer on-thejob injuries, have excellent attendance records and offer dependability and maturity.

Alexian Brothers Senior Neighbors (423) 755-6100 1000 NEWBY ST., CHATTANOOGA 37402 Senior Employment Referral Service is open to anyone age 50+. Recruiters seek to match applicants with community assignments or individual clients. Jobs may be short term or of indefinite duration. Call (423) 755-6118 for information. The Senior AIDES Program is a community service employment and training program for low-income older people. It offers subsidized part-time work (20 hrs./wk.) for persons age 55+ to improve or augment existing community agencies. Assignments for Senior AIDES are arranged through host agencies. Senior AIDES is the Senior Community Service Employment TAKE NOTE

Before assets have been spent down, make sure you have purchased a funeral insurance plan. See Estate Planning. Southeast Tennessee Edition 2010

Program (SCSEP) of Senior Service America. For more information, call (423) 668-2143.

Ctr. for Community Career Education (423) 425-4475 UNIVERSITY OF TENNESSEE AT CHATTANOOGA, 615 MCCALLIE AVE., DEPT. 3053, CHATTANOOGA 37403-2598 Non-profit career and educational counseling training center. Part of UT Chattanooga campus.

Chattanooga Goodwill Industries (423) 629-2501 3500 DODDS AVE., CHATTANOOGA 37407 Employment/training services for those with disabilities. Job placement matches people with proper employment.

Southeast Tennessee Career Centers CHATTANOOGA (423) 894-5354 5700 EASTGATE, STE. A-1, CHATTANOOGA 37411 ATHENS (423) 745-2028 410 NORTH CONGRESS PKWY., ATHENS 37303 CLEVELAND (423) 473-9459 173 BROAD ST., CLEVELAND 37311 DAYTON (423) 570-1107 200 4TH AVE., DAYTON 37321

Urban League of Greater Chattanooga (423) 756-1762 730 ML KING, CHATTANOOGA 37403 Job placement. Helps upgrade the skills of unemployed or underemployed. Call for programs offered. Older Adults™…the Resource Guide

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CONSUMER HELP

Chattanooga Room In the Inn (423) 624-6144 230 N. HIGHLAND PARK., CHATTANOOGA 37404 Residential home providing support programs and services for homeless women and children.

Advocacy, Legal & Self Empowerment ADVOCACY & SELF EMPOWERMENT

CONSUMER HELP

AARP (American Association for Retired Persons) NATIONAL 1-888-OUR-AARP (687-2277) 1-866-295-7274 AARP OF TENNESSEE www.aarp.org Holds regularly scheduled meetings and provides health, advocacy, social, recreation, volunteer and employment opportunities. Insurance, income tax assistance, defensive driving programs, housing option information, prescription drug and consumer discounts, and governmental advocacy are also provided. Community service and health education programs. Southeast Tennessee Area Agency on Aging and Disability 1-866-836-6678 P.O. BOX 4757, CHATTANOOGA 37405 www.setaaad.org Advocates for and assists older persons, and persons with disabilities and their family members.

Ombudsman Program (423) 755-2877 PARTNERSHIP FOR FAMILIES, CHILDREN AND ADULTS, 225 EAST 8TH ST., CHATTANOOGA 37403 Investigates complaints and resolves conflicts about nursing homes, home care and adult care homes. LEGAL RESOURCES

Legal Aid of East Tennessee (423) 756-4013 744 MCCALLIE AVE., STE. 410, CHATTANOOGA 37402 Assists individuals with civil legal problems through legal representation. For residents of Bledsoe, Bradley, Grundy, Hamilton, Marion, Meigs, McMinn, Polk, Rhea and Sequatchie counties. ABSENTEE VOTING

Tennessee Department of State (615) 741-7956 DIVISION OF ELECTION, 312 ROSA PARKS AVE. NORTH, 9TH FL., SNODGRASS TOWER, NASHVILLE 37243 www.state.tn.us/sos/election/index.htm A registered voter may request an application for by-mail ballot no earlier than ninety (90) days before the election and no later than seven (7) days before the election. To be processed for the next election, the application must be received by the election commission no later than seven (7) days before the election. IMPORTANT! Many people have lawyers establish trusts but do not move assets into them. All assets passed via a will must first pass through probate. Assets placed in a trust aren’t subject to probate. Make sure to make provisions to fund your trust. Before assets have been spent down, make sure you have purchased a funeral insurance plan. 42

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LEGAL RECORDS

Birth and Marriage Certificates (615) 741-1763 STATE OFFICE TENNESSEE VITAL RECORDS, CENTRAL SERVICES BLDG., 1ST FLOOR, 421 5TH AVENUE NORTH, NASHVILLE 37243 health.state.tn.us/vr/index.htm HAMILTON COUNTY HEALTH DEPARTMENT (423) 209-8025 Records are available beginning with January, 1914 births. Records of some births that occurred in the major cities from 1881-1913 are also available. A certified photocopy of the original record may be obtained at a fee of $15.00 for the first copy and $5.00 for each additional copy of the same record requested at the same time. For persons born from 1949 to the present, a certified copy produced by computer is also available at a fee of $8.00 for the first copy and $5.00 for each additional copy of the same record requested at the same time. Marriage and divorce records are available for the past 50 years (beginning with January 1, 1953), at a fee of $15.00 for the first copy and $5.00 for each additional copy of the same record requested at the same time. FEDERAL ELECTED REPRESENTATIVES

Representative Lincoln Davis (4th District) (D) (931) 490-8699 1804 CARMACK BLVD., STE. A, COLUMBIA 38401 Representative John J. Duncan, Jr. (2nd District) (R) (423) 745-4671 COURT HOUSE, 6 EAST MADISON AVE., ATHENS 37303 Representative Zach Wamp (3rd District) (R) (423) 756-2342 900 GEORGIA AVE., STE. 126, CHATTANOOGA 37402 Senator Lamar Alexander (R) (202) 224-4944 455 DIRKSEN SENATE OFFICE BLDG., WASHINGTON, DC 20510 Senator Bob Corker (R) (202) 224-3344 185 DIRKSEN SENATE OFFICE BLDG., WASHINGTON, DC 20510 TAKE NOTE When originating a General Power of Attorney, make sure there is a clause specifically stating that a copy is as good as the original notarized one. Make at least 12 copies and send one to each bank or financial institution well in advance of when you’ll need to execute it. Some financial institutions, mutual funds, etc., have their own durable power of attorney form and will not accept yours (even though it has been drafted by an attorney). You will need the original notarized POA for some financial settlements such as closing on the sale of a house. Southeast Tennessee Edition 2010

Overall Well-being ❏ Is the patient eating well? Any sudden changes in diet or fussiness about eating? Any sudden cravings? ❏ Is his weight stable? If not, what is happening? ❏ Is he sleeping well? Unable to fall asleep? Wakes up and is unable to go back to sleep? Has nightmares? Sleeps restlessly? ❏ Is he getting some kind of exercise? Suddenly doing more or less than typical? ❏ Is there any sign of abuse or neglect that you’ve noticed? If so, what is it? General Condition ❏ Does the patient seem to have "slowed down" noticeably since the last visit? If so, in what way? ❏ Does he have any unusual bleeding? Where? How much? ❏ Does he seem to be breathing easily? If not, what is the quality of the breathing? Rapid Shallow Gasping Rattling Other___________ ❏ Does he cough when he eats or drinks? ❏ Is his digestive system working well? If not, what seems to be the matter? Excessive gas Heartburn Diarrhea Constipation Other _________________ ❏ Are his limbs moving as they usually do? Is he struggling to handle things? ❏ Have any rashes or welts appeared recently? Where? What do they look like? ❏ Has a mole changed shape or become dark? Has a new one appeared somewhere? If so, where? ❏ In general, does the treatment plan seem to be working? If not, what seems to be wrong? ❏ Is a particular problem the reason for this office visit? If so, what are the major symptoms or concerns?

Pain ❏ Is the patient complaining about pain? What does he say it feels like? Sharp Stabbing Dull Pounding Achy Tingling Other ______________ ❏ Where is it located? All over Headache Abdomen Limbs Other location _______________ ❏ On a scale of 1-10, with 1 being no pain and 10 being the worst pain imaginable, how does the patient rate his pain? ❏ How long has the pain lasted? ❏ Does it move around or stay in one place? ❏ Does it come and go, or is it there all the time? ❏ Does the pain seem to occur in relation to something else (e.g., eating, standing up suddenly, while reaching for something overhead)? ❏ Is there anything that makes the pain better or worse? ❏ Does pain medication help? If so, how much?

Southeast Tennessee Edition 2010

Medications ❏ Is the patient taking his medications on time? At the prescribed dose? If not, what seems to be going wrong? ❏ Is he complaining about or suffering from any side effects? If so, what are they (drowsiness, hyperactivity, etc.)? ❏ Does anything seem to have suddenly changed in his response to medication? If so, what is it? ❏ Did he stop taking a medication for any reason? If so, why and what happened as a result?

Emotional & Mental Well-being ❏ Does the patient seem to be as mentally sharp and alert, or has there been a noticeable decrease in mental function? What are the symptoms? ❏ How is his memory, both long-term and short-term? Has it changed recently? If so, in what way? ❏ Can he still do and enjoy activities as in the past? Has something suddenly become boring or unpleasant? ❏ Does he feel responsible for being ill and/or angry about his condition? ❏ Does he fear the truth and put off doctor visits based on what he thinks the doctor may say about his problem? ❏ Is he able to laugh and enjoy life? ❏ Does he seem to be more emotionally overwrought than usual? In what way? Anxious Depressed Fearful Sad Hyped-up Excitable Other ___________

Spiritual Well-being ❏ Are there any restrictions on treatment that need to be considered due to the patient’s spiritual beliefs or practices? If so, what are they? ❏ Has the patient continued his usual spiritual practices (e.g., going to church, meditation, saying the rosary, prayer, using a home altar)? If not, what has changed? ❏ Has he started expressing doubts about faith or spiritual practices? ❏ Does he seem more reflective and quiet than usual? If so, does this seem to be okay? ❏ Is he starting to talk about wanting to "go home" in the sense of dying

Other Conditions Each illness has its own set of unique symptoms. Ask your doctor if there are particular symptoms that should be monitored. Excerpted from Communicating Effectively with Healthcare Providers ©National Family Caregivers Association www.nfcacares.org 800/896-3650 Older Adults™…the Resource Guide

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CONSUMER HELP

❂ How to Communicate Your Loved One’s Symptoms Regarding Overall Well Being, Pain and More

Funeral Preplanning

CONSUMER HELP

Funeral preplanning is not a favorite topic, but absolutely essential in total estate planning. There are more than 50 decisions to be made at the time of death. Decisions need to be made about funeral director’s services, length of visitation, type and location(s) of religious services, securing the clergy, the eulogy, flowers, escort, selecting memorial cards and card verses and writing and placement of a newspaper obituary. Choices of burial vault, casket, cemetery plot, cemetery marker, urn embalming and restorative or cosmetic services must also be selected. Disposition of the physical body involves decisions about organ and/or body donation, burial or cremation. Everyone should consider checking the average funeral and cemetery costs. By preplanning, you determine what your costs will be by making decisions about plot, vault, marker, interment or mausoleum space.

Both prepaid funeral and cemetery contracts should be made to ensure peace of mind and the honoring of one’s wishes. Most certainly, a burial insurance plan should be pre-purchased before a family member begins to spend down assets in a nursing center.

There are several prefunding options available including an insurance policy which guarantees that all costs of the services and funeral items that you purchase will be paid for at the time of death. All policies have built-in inflation clauses to cover the costs of those items at the time of death. Check with your funeral director on what items are guaranteed and what is the best plan for you.

POINTS TO REMEMBER

✓ Make at least 10 copies of the death certificate and ■ the obituary notice.

✓ It is the surviving family who either writes or provides ■ information for the obituary notice. In your estate planning consider how you or your loved one would like to be remembered. Talk about how the notice should read—in advance of a stressful time. ✓ Notify your nearest Social Security office that the ■ beneficiary is deceased. You may need a copy of birth, marriage and/or death certificate. ✓ If applicable, notify an attorney to file probate. ■

✓ Notify all insurance companies and send them copies ■ of the death certificate. ✓ Transfer or cancel all bank accounts, credit cards, ■ club memberships, etc. PREPLANNING RESOURCES

Chattanooga Funeral Home, Crematory and Florist (423) 698-2541 LOCATIONS: EAST CHAPEL IN EAST RIDGE NORTH CHAPEL IN HIXSON VALLEY VIEW CHAPEL IN OOLTEWAH EAST BRAINERD CHAPEL ON EAST BRAINERD ROAD

Legal Health Care/Advance Directives See also Legal Advocacy and Important Documents. In 2004, Tennessee law was revised to recognize more than one written advance directive for health care decision making: the “Living Will” or “Advance Care Plan” and the “Medical Power of Attorney” or “Appointment of Health Care Agent.”

postpones death–not comfort care. The Advance Care Plan must be signed by 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 one additional physician must certify terminal condition or permanently unconscious state.

Advance Care Plan (Living Will) (See pages 45-46 for form) An Advance Care Plan tells doctors what to do when you are too sick to communicate. It can indicate when medical treatment should stop, or whether you want passive feeding to be withdrawn. The directives are limited only to care which artificially or technologically

Appointment of Health Care Agent (See page 47 for form) Everyone should have one! An Appointment of Health Care Agent designates a person to make healthcare decisions for you if you cannot make healthcare decisions yourself, including any healthcare decisions that you could have made for yourself if able.

TAKE NOTE Make life (and death) easier for yourself and your family. Visit your local funeral home to prearrange your funeral plans before the need arises. Your funeral director can discuss different funding options for you if you desire to prefund. Preplanning and prefunding are two different things. You can preplan without prefunding. 44

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ADVANCE DIRECTIVE FORMS

To obtain a form, call:

Tennessee Department of Health (615) 741-3111 or (615) 532-6595

Hospital adult membership programs may also have these forms available.

Southeast Tennessee Edition 2010

CONSUMER HELP

STATE OF TENNESSEE ADVANCE CARE PLAN

Southeast Tennessee Edition 2010

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CONSUMER HELP 46

Older Adults™…the Resource Guide

Southeast Tennessee Edition 2010

CONSUMER HELP

STATE OF TENNESSEE APPOINTMENT OF HEALTH CARE AGENT

Southeast Tennessee Edition 2010

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❂ Home Safety Checklist YES NO

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Home Exterior Address visible from the street Entrance well lit, visible and barrier-free Walkways sound and even Steps in good condition and even Handrails present and securely fastened Kitchen Stove and sink areas well lit Stove located away from window with curtains Pan handles turned away when cooking Garments with long, loose sleeves not worn while cooking Hot pad gloves used rather than hot pad holders Countertops/work areas clean and safe Fire extinguisher or baking soda accessible to stove area Bathroom(s) Bathtub/shower equipped with nonskid mat or strips Grab bars securely installed and used properly Raised toilet is right height and securely installed Faucets are easily operated and marked “hot” and “cold” Electrical appliances are kept away from bathtub area Shower curtains are adequate height to avoid tripping Bedroom Bed is adequate height Night light is used Flashlight or lamp is kept at bedside

Medication and Medical Equipment Medical equipment stored safely Equipment cords/plugs intact Oxygen safety procedures posted Medication stored in temperatureappropriate place ❏ Medication dated and reflects effective dates ❏ Medications accessible ❏ Takes medications at appropriate times ❏ ❏ ❏ ❏

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Home Interior Security system in place and in working order Security bars, lexon or polycarbonate on doors and windows Easily managed deadbolt on all entry doors Temperature within comfortable range Thermostat easily reached and adjustable Functional smoke detector on each level Phones accessible in major living areas Pictures, objects on walls securely hung Emergency numbers posted by each telephone Ability to dial emergency numbers when necessary Cords/plugs on all appliances, lamps, phones are clean, in good condition and out of pathways Interior steps/stairs in good condition with sturdy railings Light switches located at top and bottom of stairs All stairwells and long hallways well lit Adequate lighting in all work areas All pathways clear of clutter and debris Hazardous household agents stored in a safe place Space heaters placed away from rugs and curtains Hallways, bedrooms and bathrooms have night lights Rugs intact and securely fastened Extension cords not used or are safely secured Walkers/wheelchairs/canes easily maneuvered All usable furniture, chairs, stools, tables sturdy with no weak parts General Safety A safety exit is planned for emergencies Maintains daily contact with people outside the home

Adapted by ADR Associates. Reviewed and revised by Missouri Gateway Geriatric Education Center Injury Prevention Project 10/97

Southeast Tennessee Edition 2010

❂ Transient Crimes and Elder Fraud What You Need to Know Most crimes committed against older adults are “transient crimes,”many involving home repairs or diversions. These occur where a person requests to come into the home to use the bathroom, ask for a drink of water, or to “check out” an unreported problem. Older adults are especially vulnerable to be victims of transient crimes because: ☞ They live alone and are eager to socialize. ☞ They know that they can’t make needed repairs and fear losing independence, thinking that family members will believe that they are unable to maintain their own homes. ☞ They are eager to please and be helpful. ☞ They have money at home and in the bank. ☞ They may have declining eyesight, hearing or memory which hinder understanding and identification for prosecution. ☞ They may be more susceptible to intimidation and influence. BE AWARE matter how good it sounds, you really can’t get something for nothing or get a “deal” that’s too good to pass up. ● Do not allow ANY stranger into your home. No exceptions. Bathrooms and water are usually just a few short blocks away – a stranger does not need yours. ● All gas, water, electric and cable workers have ID badges and would never ask to “check your system” to gain entry, offer to “correct” a problem or a cash refund. ● Do not sign any contract or use any service offered by a person that approaches you cold by phone or especially “door to door.” ● Get all work contracts in writing with firm quotes and detailed description of the work to be performed, wait at least three days until the work begins and if you have any questions at all, talk it over with someone you trust.

Crisis, Behavioral Care & Caregiver Support Services Handy forms and guides in this section: Transient Crimes and Elder Fraud: What You Need to Know . . . . . . . . . . .49 Help at Home: My Own Case Management/Contingency Plan . . . . . .55 A Caregiver’s Checklist for Planning Ahead . . . . . . . . . . . . . . . . . . .56 Please support our advertisers for making this guide possible. Tell them you saw it in Older Adults™. IMPORTANT! For personal advice, please consult with a banker, an investment professional and a legal professional.

● No

Why do I need a support group? If you are a caregiver for a person who is frail or has cognitive impairments, attending support groups can help you feel less alone and more in control of your life. By talking to others who share experiences in coping with the disease, you can learn useful information and tips to help you with the problems and decisions you may face.

The most common transient crimes are driveway sealing (small amount leftover from another job), roof sealing, brick or mortar repair, shingle replacement, painting, landscaping, power washing and exterminating. The most common forms of fraud are use of bogus or diluted material, excess empty containers presented to exaggerate the amount of material used, the finding of non-existent “damage,” failure to perform work and extortion for higher payment after the job is completed. Don’t be afraid to call if you suspect elder fraud. The police want to help catch those who prey on the elderly. Source: Cincinnati Police Department Southeast Tennessee Edition 2010

CAREGIVER TIP

www.setaaad.org

Caregivers...

• Are you at risk for burnout? • Are you tired all the time? • Are you gaining or losing weight without trying? • Are you cutting yourself off from friends and the outside world? • Do you feel guilty, depressed, angry or hopeless?

Anger, guilt and frustration are normal. If you are feeling under-appreciated and overworked, take time for and care of yourself. You will be a better caregiver if you feel complete and whole as a person. Older Adults™…the Resource Guide

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Social Services and Emergency Assistance ELDER ABUSE AND NEGLECT

SUPPORT SERVICES

Some Indicators of Elder Abuse and Neglect Abuse: Physical, Psychological, Sexual • Change in behavior • Cuts, bruises, burns • Confinement • Isolation • Harassment Neglect: By Self or Others • Mental confusion • Poor hygiene/environment • Inadequate health care • Unable to perform tasks of daily living Exploitation • Unusual bank withdrawals • Change in power of attorney or legal matters • Lack of personal belongings • Different signatures on checks

Adult Protective Services 1-888-277-8366 Allegations of abuse, neglect, or misappropriation of personal property against impaired adults are investigated thoroughly. Partnership for Families, Children and Adults (423) 755-2870 225 E 8TH ST., CHATTANOOGA 37403 Elderly and Disabled Victims Program assists in preventing and resolving issues of abuse, neglect, victimization and exploitation. The goal of the program is to help individuals remain independent and improve their safety and well being.

Tennessee Department of Human Services BLEDSOE COUNTY (423) 447-2193 323 ROCKFORT RD., PO BOX 396, PIKEVILLE 37367 BRADLEY COUNTY (423) 478-0300 950 STAR VUE DR., STE. 1, CLEVELAND 37311 GRUNDY COUNTY (931) 592-9231 1353 HWY 41 ORCHARD RD., PO BOX 399, TRACY CITY 37387 HAMILTON COUNTY (423) 634-6355 311 E. MLK BLVD., CHATTANOOGA 37403 MARION COUNTY (423) 942-3481 4926–A MAIN ST., JASPER 37347 MCMINN COUNTY (423) 744-2800 1008 KNIGHT RD., STE. C, PO BOX 929, ATHENS 37371 MEIGS COUNTY (423) 334-5787 HWY. 58 N, PO BOX 98, DECATUR 37322 POLK COUNTY (423) 338-5332 7118 HIGHWAY 411, STE. 101, N. BENTON 37307 RHEA COUNTY (423) 775-2681 224 FOURTH AVE., STE. 102, DAYTON 37321 SEQUATCHIE COUNTY (423) 949-4621 1845 OLD YORK HWY E., DUNLAP 37327 Provides emergency protective services to adults who are in danger of abuse, further physical harm, or unable to protect themselves under their current living arrangements. 50

Older Adults™…the Resource Guide

24 Hour Elder Abuse Hotline:

STOP ELDER ABUSE!

1-800-992-6978

CRISIS INTERVENTION

Partnership for Families, Children and Adults (423) 755-2895 800 MCCALLIE AVE., CHATTANOOGA 37404 Emergency shelter for those who have been physically and/or sexually abused. Counseling is focused on crisis intervention and situation stabilization. COMMUNITY SUPPORT

Southeast Tennessee Human Resource Agency (SETHRA) BLESDOE COUNTY (423) 447-2444 OLD HIGH SCHOOL BLDG., PO BOX 88, HWY. 127, PIKEVILLE 37367 GRUNDY COUNTY (931) 931-8260 PO BOX 34, HWY. 56, COALMONT 376313 MARION COUNTY (423) 942-5946 205 E. FIRST ST., HASPER 37347 MCMINN COUNTY (423) 745-8095 125 NORTH JACKSON ST., ATHENS 37303 MEIGS COUNTY (423) 334-3305 CITY/COUNTY BLDG., RIVER RD., PO BOX 303, DECATUR 37322 POLK COUNTY (423) 338-2335 ELECT. COMM. BLDG., COURTHOUSE ANNEX, PO BOX 526, BENTON 37307 RHEA COUNTY (423) 775-4010 125 COURT ST., UNIT 2, DAYTON 37321 SEQUATCHIE COUNTY (423) 949-2191 1012 RESOURCE RD., PO BOX 909, DUNLAP 37327 Community agency providing a variety of services for residents. Programs include distribution of commodities, emergency utility assistance, rent assistance and weatherization to families to re-establish their lives. Transportation to congregate meal sites in the ten counties of Southeast Tennessee. Must make reservations 24 hours in advance through the Nutrition Site. Emergency Shelter There are several facilities that offer short-term shelter to homeless men and women. Most shelters can’t accept very frail seniors who are unable to completely care for themselves. Space is often limited. For help in finding a shelter and making arrangements to go there, call First Call for Help at (423) 752-0300 or dial 211.

American Red Cross 801 MCCALLIE AVE., CHATTANOOGA 37403 (423) 265-3455 340 20TH ST. SE, CLEVELAND 37311 (423) 472-1595 Food vouchers, clothing and shelter to disaster victims. Southeast Tennessee Edition 2010

Episcopal Metropolitan Ministries (423) 624-9650 1112 MCCALLIE AVE., CHATTANOOGA 37404 Temporary financial assistance for utility bills and prescription medicine for people in need.

Chattanooga Community Kitchen (423) 756-4222 727 E 11TH ST., CHATTANOOGA 37403 Transitional and emergency housing. Emergency clothing. Provides meals for the homeless.

Chattanooga Department of Human Services (423) 757-5551 501 W 12TH ST., CHATTANOOGA 37402 Provides emergency financial assistance, HUD housing counseling, weatherization assistance, energy subsidies and surplus food.

Chattanooga Rescue Mission (423) 756-3126 924 E 8TH ST., CHATTANOOGA 37403 Emergency night shelter. Clothing also available.

Good Shepherd Outreach Ministries (423) 332-6012 314 DEPOT ST., SODDY DAISY 37379 Food pantry, clothing and limited furniture to the needy. Tues. – Fri. 9 A.M.–5 P.M., Sat., 9 A.M.–1 P.M.

Hamilton County Social Services (423) 209-6833 317 OAK ST., RM. 215, CHATTANOOGA 37403

Ladies of Charity Greater Good Thrift Store (423) 624-3222 1800 E. MAIN ST., CHATTANOOGA 37404 Food vouchers, clothing, help with prescriptions, meals, adult day care and emergency food pantry. Fro referred clients.

La Paz De Dios (423) 624-8414 1918 UNION AVE., CHATTANOOGA 37404 Resource for Hispanic community. Tu.–F, 8 A.M.–5 P.M.

Partnership for Families, Children and Adults (423) 755-2895 300 E 8TH ST., CHATTANOOGA 37403 Temporary emergency shelter for families without resources. Also provides emergency food services. Salvation Army (423) 756-1023 822 MCCALLIE AVE., CHATTANOOGA 37403 Emergency shelter. Provides dinner, lodging, prayer service and breakfast. Can stay for up to 30 additional days for a small fee. Samaritan Center 9231 LEE HWY., OOLTEWAH 37363 Basic needs for the needy.

Southeast Tennessee Edition 2010

(423) 238-7777

Tennessee Community Services (423) 893-2100 Agency (TNCSA) 5600 BRAINERD RD., STE. B-18, CHATTANOOGA 37411 NCSA meets the needs of individuals, families and communities by coordinating and providing services across Tennessee. Union Gospel Mission (423) 752-4998 124 SIGNAL HILLS DR., CHATTANOOGA 37405 Provides food, showers, spiritual enrichment, bed and breakfast to transient men. Emergency food vouchers. We Care Community Services (423) 775-4333 1273 DAYTON MOUNTAIN HWY., PO BOX 307, DAYTON 37321 Provides transitional housing for up to two weeks for those in crisis. Emergency food and prescription assistance also available for those in Rhea County (except for Spring City). FOOD STAMPS

Tennessee Department of Human Services BLEDSOE COUNTY (423) 447-2193 323 ROCKFORT RD., PO BOX 396, PIKEVILLE 37367 BRADLEY COUNTY (423) 478-0300 950 STAR VUE DR., STE. 1, CLEVELAND 37311 GRUNDY COUNTY (931) 592-9231 HWY 41 ORCHARD RD., PO BOX 399, TRACY CITY 37387 HAMILTON COUNTY (423) 634-6752 311 E. MLK BLVD., CHATTANOOGA 37403 MARION COUNTY (423) 942-3481 4926–A MAIN ST., JASPER 37347 MCMINN COUNTY (423) 744-2800 1008 KNIGHT RD., STE. C, PO BOX 929, ATHENS 37371 MEIGS COUNTY (423) 334-5787 HWY. 58 N, PO BOX 98, DECATUR 37322 POLK COUNTY (423) 338-5332 7118 HIGHWAY 411, STE. 101, N. BENTON 37307 RHEA COUNTY (423) 775-2681 224 FOURTH AVE., STE. 102, DAYTON 37321 SEQUATCHIE COUNTY (423) 949-4621 1845 OLD YORK HWY E., DUNLAP 37327 Intake, verification and approval of monthly allotment of food stamps. Allotment is based on total family income, number in household and other assets. UTILITIES ASSISTANCE

Upon request, utilities and creditors will contact concerned family members if an elderly relative fails to pay bills. Call individual utilities, creditors, or banks for details on special services to assist elderly customers. Local utility companies offer a variety of budget and payment plans to help customers maintain service. If you are having difficulty paying bills, contact the utility company to negotiate a workable payment plan. Local governments also often have funds available to help older adults with utility payments.

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SUPPORT SERVICES

Bradley/Cleveland (423) 479-4111 Community Services 155 6TH ST. SE, PO BOX 3297, CLEVELAND 37320 Variety of services to the elderly and underprivileged of Bradley County. Emergency assistance program.

Low Income Home Energy Assistance Program CHATTANOOGA HUMAN SERVICES DEPARTMENT (423) 757-5524 501 W 12TH ST., CHATTANOOGA 37402 TENNESSEE ADULT AND FAMILY SERVICES ENERGY ASSISTANCE PROGRAM (615) 313-4766 www.state.tn.us/humanserv/commsrv.htm Funds to help meet the utility costs of low-income elderly and disabled. Administered through contracts to a network of 20 non-profit and local government agencies experienced in providing energy assistance programs. Eligibility is based on established federal poverty guidelines. Applications taken year round for the Energy Assistance Program. Eligible applicants can receive assistance once per year of $300-$600. The assistance is in the form of a payment to the utility company or home energy provider.

United Way of Greater Chattanooga/ 211 Call Center (423) 265-8000 or 211 630 MARKET ST., PO BOX 4027, CHATTANOOGA 37405 http://www.cnpchatt.org/first_call/fcfh.htm Information and referral service has trained resource managers to help callers determine the appropriate local agency to refer them to for assistance with services.

Southeast Tennessee Human Resource Agency – LIHEAP (423) 949-2191 PO BOX 909, DUNLAP 37327 Provides energy assistance to qualified applicants.

Salvation Army Energy Asst. Program (423) 756-1023 2140 E. 28TH ST., CHATTANOOGA 37404 www.chattanooga.net/salvationarmy Energy assistance to qualified applicants year round.

SUPPORT SERVICES

Companionship See also AARP, Arthritis Foundation, Coalitions on Aging, Diabetes Association and Mental Health Services

Many AARP chapters, churches and senior centers offer companionship and support. Services free unless noted.

BrightStar of Greater Chattanooga (423) 296-6640 6025 LEE HIGHWAY, STE. 449, CHATTANOOGA 37421 www.brightstarcare.com Professional in-home care for all ages. RN on staff. Companionship, bathing and oral hygiene, light housekeeping and much more. Licensed, bonded and insured caregivers.

Personal Care Choices CLEVELAND OFFICE (423) 479-3036 ATHENS OFFICE (423) 745-2881 Providing affordable, non-medical personal care services in the home, hospital, nursing home and/or the assisted living communities in 13 counties in East Tennessee. Licensed, bonded and insured caregivers. PSSA licensed by the State of TN. BIRTHDAY/ANNIVERSARY GREETINGS

Greetings from the White House (202) 456-5447 (202) 395-1232 FAX OFFICE OF THE PRESIDENT, WHITE HOUSE GREETINGS OFFICE, RM. 39, WASHINGTON, DC 20502-0039 www.whitehouse.gov/greetings The President will send a greeting card to people celebrating their 80th or later birthday and to couples celebrating their 50th anniversary. A 6 week advance notice is required. Letter of request should include person’s name(s), address, age and date of birth, or the date of wedding for an anniversary. It is best to fax your information or go online to the website.

The Today Show (212) 664-4444 WILLARD SCOTT, THE TODAY SHOW - NBC, 4001 NEBRASKA AVE., RM. 160, WASHINGTON, DC 20016 For persons age 100+ and couples celebrating their 52

Older Adults™…the Resource Guide

75th wedding anniversary, send a photograph, name, address, birth date and a short description about the person at least 6 months in advance. It is best to call to hear a recording about how persons are chosen to be congratulated on air. Willard will send a personal note to everyone not mentioned. BEREAVEMENT/WIDOW SUPPORT Here are some thoughts to help you cope with the death of a loved one... • Ask for and accept help. Recognize that anger, sadness, loneliness and fear are okay feelings. Your friends and family want to help. Let them. • 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. • Give yourself permission to grieve and talk about your loss, your love, happy times and memories. • Use this time of change to rid yourself of everything in your life that doesn’t work for you. Don’t do anything out of a sense of obligation that does not feel good for you. The following organizations offer on-going support groups:

Amedysis Hospice (423) 499-0018 7161 LEE HWY., STE. 400, CHATTANOOGA 37421 Catholic Charities 859 MCCALLIE AVE., CHATTANOOGA 37403

(423) 267-1297

Forward Bereavement Group (423) 622-1418 OLPH CHURCH, CHATTANOOGA 37412 Support group for those who have recently lost a spouse by death. Group meets at various times and locations over an eight week period. Several different groups meet during the year. Southeast Tennessee Edition 2010

Hospice of Chattanooga 4411 OAKWOOD DR., CHATTANOOGA 37416 www.hospiceofchattanooga.org

(423) 892-4289

Family Support Services

Tennessee Department of Human Services BLEDSOE COUNTY (423) 447-2193 323 ROCKFORT RD., PO BOX 396, PIKEVILLE 37367 BRADLEY COUNTY (423) 478-0300 950 STAR VUE DR., STE. 1, CLEVELAND 37311 GRUNDY COUNTY (931) 592-9231 HWY 41 ORCHARD RD., PO BOX 399, TRACY CITY 37387 HAMILTON COUNTY (423) 634-6752 311 E. MLK BLVD., CHATTANOOGA 37403 MARION COUNTY (423) 942-3481 4926–A MAIN ST., JASPER 37347 MCMINN COUNTY (423) 744-2800 1008 KNIGHT RD., STE. C, PO BOX 929, ATHENS 37371 MEIGS COUNTY (423) 334-5787 HWY. 58 N, PO BOX 98, DECATUR 37322 POLK COUNTY (423) 338-5332 7118 HIGHWAY 411, STE. 101, N. BENTON 37307 RHEA COUNTY (423) 775-2681 224 FOURTH AVE., STE. 102, DAYTON 37321 SEQUATCHIE COUNTY (423) 949-4621 1845 OLD YORK HWY E., DUNLAP 37327 Families First program provides support to families. CAREGIVER TIP Remember to replace the batteries in your smoke detector when you change your clock in the spring and fall.

Bereavement counseling for anyone who needs it. Call for support group information. (423) 266-0260 Widows’ Harvest Ministries 213 W. 16TH ST., CHATTANOOGA 37408 Faith-based ministry for widows, typically age 60+, lonely/abandoned, live in high crime areas, vulnerable. Prayer ministry and free home/lawn maintenance/repair.

Bethel Bible Village Children’s Home (423) 842-5757 3001 HAMILL RD., HIXSON 37343 For over 50 years, has been caring for kids who need a home, due to various challenges a family is dealing with. Encourages the child toward spiritual and educational goals, as well as other areas, to prepare them for their future. Call to discuss private enrollment.

Caregiver Support Group CITY CHURCH OF CHATTANOOGA, 7122 LEE HWY. All are welcome. Email: [email protected]

Catholic Charities (423) 267-1297 859 MCCALLIE AVE., CHATTANOOGA 37403 Alternatives to strengthen human dignity and family. Emergency services to families and those in hardship.

Episcopal Metropolitan Ministry (423) 624-9650 1112 MCCALLIE AVE., CHATTANOOGA 37404 Help with emergency needs, food vouchers and prescription assistance.

Partnership for Families, Children and Adults (423) 697-7130 1800 MCCALLIE AVE., CHATTANOOGA 37404 Counseling Center provides individual, group and family counseling by licensed master’s level counselors.

Mental Health Counseling/Centers

Services include inpatient treatment, day treatment and outpatient counseling. Fees vary.

A.I.M. Center (423) 624-4800 472 MLK BLVD., CHATTANOOGA 37402 Individual, family and group counseling. Fortwood Center (423) 266-6751 601 CUMBERLAND ST., CHATTANOOGA 37403 Services include evaluations and therapeutic treatment by psychiatrists, psychologists, examiners and support staff. Full range of treatment services. Hiwasee Mental Health Center (423) 745-8802 1805 INGLESIDE AVE., ATHENS 37303 Comprehensive mental health care. Clinical services, day treatment center, halfway house and substance abuse services. Outpatient services. For McMinn and Meigs counties. Southeast Tennessee Edition 2010

Johnson Mental Health Center 420 BELL AVE., CHATTANOOGA 37405

Mountain View Treatment Center 1000 HIGHWAY 28, JASPER 37347

(423) 870-9033 (423) 837-3350

Rhea County Mental Health Center (423) 570-0077 7200 RHEA COUNTY HWY., PO BOX 485, DAYTON 37321 Services include evaluations and therapeutic treatment by psychiatrists, psychologists, examiners and support staff. Full range of treatment services. Outpatient substance abuse services. Other Providers: Crisis Response Service . . . . . . . . . . .(423) 634-8995 Dakoda Place . . . . . . . . . . . . . . . . . . . .(423) 339-9622 Johnson Mental Health Center . . . . . .(423) 634-8884 New Horizons . . . . . . . . . . . . . . . . . . . .(423) 499-2341 Valley Behavioral Health System . . . .1-800-542-9600 24 HOUR CRISIS LINE . . . . . . . . . . . . . . . .(423) 499-2300 Older Adults™…the Resource Guide

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SUPPORT SERVICES

Grief Support Group (423) 495-7778 MEMORIAL NORTH PARK CANCER RESOURCE CENTER, PROFESSIONAL BLDG., SUITE 105, CHATTANOOGA 37343 For those who have lost a loved one. Meets 2nd Wed. of the month at 11:30 A.M.

Alzheimer’s Services Alzheimer’s Disease Alzheimer’s (A.D.) is a form of dementia that is a progressive, degenerative and incurable disease that attacks brain cells, resulting in impaired memory, thinking and behavior. It is not a natural consequence of aging. Dementia Dementia is the loss of intellectual functions (such as memory deficit or confusion) that interfere with daily living. Many conditions cause or mimic dementia, including depression, tumors, drug reactions, nutritional deficiencies and degenerative physiological diseases. Geriatric assessment can help determine cause and suggest CAREGIVER TIP SUPPORT SERVICES

• More than 7 of 10 people with Alzheimer’s disease live at home; almost 75% of home care is provided by family and friends. The remainder is “paid” care costing an average of $12,500 per year. Families pay most of that out of pocket. • Alzheimer’s disease is the third most expensive disease in the US after heart disease and cancer. — The Alzheimer’s Association

Adult Day Care

Adult Day Care provides assistance to families and caregivers who have responsibility for an adult who cannot be left alone. The stimulation of the Adult Day Care experience may help participants maintain abilities. This service provides needed respite for the caregiver.

Adult Day Treatment emphasizes care and activities for those with a history of mental health problems.

IF YOU ARE ALREADY A CAREGIVER, YOU MAY FIND THIS LIST HELPFUL:

1. Learn as much as you can about your care recipient’s illness(es), disease or condition.

2. Learn how to provide proper care for your care recipient. 3. Join a support group to learn about resources, options and to prevent isolation.

4. Plan regular breaks. Use relatives, neighbors, church members and volunteer organizations.

5. Use appropriate community resources for services such as home delivered meals, home care services, adult day services, medical equipment supply stores, health care pharmacies, etc.

6. Keep in mind your care recipient’s wishes when making decisions, but make ones based on safety and the overall well-being of all concerned.

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treatment that can improve or reverse behavior patterns. RESOURCES

Alzheimer’s Association – NE/SE Tennessee Chapter (423) 265-3600 or 1-800-616-1922 7625 HAMILTON PARK DR., STE. 8, CHATTANOOGA 37421 Educates and supports families of persons with dementing illness. Provides advocacy, outreach and case management. Support groups, and help finding and coordinating needed services. Amara Home Service (423) 756-2411 2821 CUMMINS HWY., CHATTANOOGA 37415 Assistance to Alzheimer’s patients’ homes, apartments, nursing homes and retirement communities. BrightStar of Greater Chattanooga (423) 296-6640 6025 LEE HIGHWAY, STE. 449, CHATTANOOGA 37421 www.brightstarcare.com Professional in-home care for all ages. RN on staff. Companionship, bathing and oral hygiene, light housekeeping and much more. Licensed, bonded and insured caregivers. ■ HAMILTON COUNTY Alexian Brothers PACE (423) 698-0802 425 CUMBERLAND ST., STE. 110, CHATTANOOGA 37404 Alexian Brothers Community Services offers PACE (Program of All-inclusive Care for the Elderly), a community-based program that provides comprehensive health and social services designed to help keep people in their own homes. Alexian Brothers Valley Residence (423) 875-6110 1164 MOUNTAIN CREEK RD., CHATTANOOGA 37405 Designed and staffed to serve those with Alzheimer’s disease and related dementia, Alexian Brothers Valley Residence provides specialized assisted living and day care. The services of the Valley residence are among the most comprehensive and most affordable in the region. Life Care Center of East Ridge Adult Day Care Program 1500 FINCHER AVE., EAST RIDGE 37412

(423) 894-1254

Rose of Sharon’s Senior Villa 5410 LEE AVE., CHATTANOOGA 37410 Cost: Sliding scale.

(423) 822-7673

Sharon’s Adult Day Center 2000 RAULSTON ST., CHATTANOOGA 37404 Cost: Sliding scale.

(423) 698-2611

Southeast Tennessee Edition 2010

Signal Centers Adult Day Program (423) 698-8528 109 N. GERMANTOWN RD., CHATTANOOGA 37411 Service Areas: Hamilton County only Cost: Sliding scale Hours: 8:30 A.M. – 4:30 P.M. M – F Transportation: Yes ■ BLEDSOE COUNTY Bledsoe County Nursing Home NEXT DOOR NEIGHBORS/Senior Day Out Program (423) 447-6811 107 WHEELERTOWN AVE., PIKEVILLE 37367 ■ BRADLEY COUNTY Claire Bridge of Cleveland 1775 MT. VERNON DR., CLEVELAND 37311

(423) 473-7300

Wellington Place of Cleveland (423) 479-8899 2745 EXECUTIVE PARK DR., CLEVELAND 37312 ■ McMINN COUNTY Wellington Place of Athens 120 KEITH LN., ATHENS 37303

(423) 744-7272

Willow Acres 255 COUNTY RD. 730, RICEVILLE 37370

(423) 336-1677

CAREGIVER TIP

It is important to note that the body disposes of drugs differently as it ages, causing a person to become more 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 make sure you consult with your doctor or pharmacist before mixing any over-the-counter medicines with your prescriptions. Southeast Tennessee Edition 2010

❂ HELP AT HOME

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 __________________

Older Adults™…the Resource Guide

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SUPPORT SERVICES

P l e a s e su p p o r t o u r v a l u e d a d v e r t i s e r s w i t h ou t w h o m t h i s G ui d e c o ul d n o t be published. Tell them y ou saw it in O ld e r A d u lt s T M!

❂ A Caregiver’s Checklist for Planning Ahead People over the age of 85 are the fastest growing segment of our population. Well over half of the US adult population either is or expects to be a family caregiver. Planning ahead for the possibility of caregiving, making decisions ahead of time, locating resources, and having open discussions with family members can help alleviate potential problems. Listed below are a few things to carefully consider when getting affairs in order before a disaster or medical emergency arises. General Questions ✓ Who will be the primary caregiver?

✓ How will other family members be involved?

✓ Which responsibilities can be shared? How?

SUPPORT SERVICES

Financial and Legal questions ✓ Do you know the bank accounts, account numbers, and types of accounts of your loved one? ✓ Do you know what assets your loved one has, their value and locations? ✓ Where are deeds and titles to all property?

✓ Do you know all insurance information? Company name(s), policy number(s), beneficiary as stated on the policies and the type of insurance owned? (health, life, long term care, automobile, etc)

✓ What is the social security amount? Is it directly deposited? Where? ✓ Where are social security and Medicare cards located? ✓ What are the debts? Mortgages, car payments?

✓ Does your loved one have an updated will, a power of attorney, a durable power of attorney? Where are these documents?

✓ Has an Advanced Directive been prepared and given to the primary physician and any relatives who may need this? Physical condition questions ✓ Has your loved one had a recent physical? A geriatric assessment?

✓ What medications are being taken? Prescription? Over the counter?

✓ Do you need to consult with your loved one’s pharmacist and doctor to see if any medications cause interactions or should be avoided?

Housing questions ✓ Can your loved one live alone?

✓ What housing options are acceptable to your loved one and family? Is a nursing facility or assisted living facility needed? Is your loved one on waiting lists for these facilities if they are (or soon will be) needed? ✓ Is senior housing an option?

End of life questions ✓ What are your loved ones wishes for funeral and burial arrangements?

✓ Have any arrangements already been secured? What is the name and location of the funeral home? 56

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Southeast Tennessee Edition 2010

2010 MEDICARE PREMIUMS AND DEDUCTIBLES

Part A Deductible: $1,068 Part B: Premiums are based on your income: Under $85,000 ($170,000/couple) $110.50 $85,001-$107,000 ($170,001-$214,000/couple) $154.70 $107,001-$160,000 ($214,001-$320,000/couple) $221.00 $160,001-$213,000 ($320,001-$426,000/couple) $287.30 Above $213,000 ($426,000/couple) $353.60 Part B Deductible: $155

Pleas e k eep in m ind th at th ese r ates ch a n ge a nnu a l l y .

Social Security, Medicare, & Medical Insurance Handy forms and guides in this section: Long Term Care Insurance Comparison Checklist . . . . . . . . . . . . . .63 Advertisers who offer services that pertain to this section:

Medicare Advantage Providers

Prescription Drug Coverage

Prescription Drug Plan in 2010 Prescription drug benefits continue in 2010. All people with Medicare are able to enroll in plans that cover prescription drugs. Plans vary, but in general, this is how they work:

✓ There is a $310 deductible and a co-pay on ■ prescriptions costs between $310 and $2,830.

✓ After drug costs have reached $2,830, ■ beneficiaries pay 100% of drug costs up to $4,550 at which time Medicare will pay a small portion of the costs above and beyond. ✓ Additional Social Security assistance will be ■ available for people with low income. If they qualify, it is possible that they would have no premium, no deductible and only a small copay on their prescriptions.

BlueCross BlueShield of Tennessee . . . . . . . .Inside Back Cover HealthSpring . . . . . . . . . . . . . . . . . . . . . .59 Humana MarketPOINT . . . . . . . . . . . . . . .58

Y

our Medicare claim number is usually your Social Security number (SSN) followed by the letter A. If you are covered under a spouse’s SSN, the claim number will be your spouse’s SSN followed by the letter B. The letter D follows a SSN if coverage is provided through a deceased spouse.

Questions about Medicare? For the latest information about Medicare, visit www.medicare.gov or call:

1-800-MEDICARE (1-800-633-4227). TTY users should 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. Para una copia en español, llame gratis al. 1-800MEDICARE (1-800-633-4227). Los usuarios de TTY deben llamar al 1-877-486-2048. or call your local SHIP office: Southeast Tennessee SHIP

Southeast Tennessee Edition 2010

1-877-801-0044

www.setaaad.org

This is misleading and beneficiaries often think they only have Part A or Part B coverage because of 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. Older Adults™…the Resource Guide

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Social Security and Health Care Insurance SOCIAL SECURITY

Social Security is the nation’s largest financial assistance program for the elderly. The program funds a variety of benefits, including: Medicare, Survivors Benefits, Disability Benefits and Retirement Benefits.

Social Security Administration (423) 899-0649 or 1-800-772-1213 TTY 1-800-325-0778 1290 PREMIER DR., CHATTANOOGA 37421 www.ssa.gov NATIONAL OFFICE: M – F 7 A.M.–7 P.M. (BEST TO CALL BEFORE 9 A.M. OR AFTER 5 P.M.) LOCAL OFFICE: M–F, 8:30 A.M.–3:30 P.M. Railroad Retirement Board 1-877-772-5772 www.rrb.gov Government benefits for railroaders and their families. * If you have lost your Medicare card, you can call either of the agencies listed above for a replacement card. MEDICAL INSURANCE

SUPPLEMENTAL SECURITY (SSI)

Supplemental SSI is a federal program which makes monthly payments to disabled or aged individuals with limited income and resources. To be eligible, a single

person may have no more than $2,000 in resources and a couple no more than $3,000 in resources (excluding their home and car). The SSI maximum monthly check amounts were $623 (single) and $924 (couple) in 2009. A person with small Social Security benefit may also qualify for an SSI check. MEDICARE

TTY 1-800-325-0778 CMS (Centers for Medicare and Medicaid Services) is the federal agency which oversees the Medicare and Medicaid programs. Medicare Hotline TTY/TDD Voice activated prompts.

1-800-633-4227 1-877-486-2048

FOR QUESTIONS ABOUT: • Medicare services and • Medicare Administrative Contractors (MAC’s), call 1-800-MEDICARE (1-800-633-4227)

Medicare Carrier(s): Medicare Administrative Contractors (MACS) - in most cases all providers must send claims electronically to one of these Medicare claims processing contractors for Medicare-covered services. • Durable Medical Equipment Regional Carrier: Palmetto GBA (located in Columbia, SC) • Fiscal Intermediary (Part A): Riverbend GBA (Government Benefits Administrator – part of Blue Cross Blue Shield of Tennessee) • Regional Home Health Intermediary (Pays home health and hospice bills and checks on quality of home health care): Palmetto Government Benefit Administrators. • Part B Medicare Carrier: Cigna Medicare

Enrolling in Medicare SOCIAL SECURITY ADMIN. (423) 899-0649 or 1-800-772-1213 To Report Fraud and Abuse MEDICARE 1-800-633-4227 SMP (EMPOWERING SENIORS TO PREVENT MEDICARE FRAUD 1-866-836-7677 Fights Medicare/Medicaid waste, fraud and abuse. Statewide project. Mission is to reduce Medicare/ Medicaid fraud, waste and abuse by increasing public awareness and monitoring what is paid on a beneficiary’s behalf and how to report suspicious claims. SMPP recruits and trains retired professionals and others to serve as volunteers in their communities and local senior centers.

TRICARE for Life DEPT. OF DEFENSE www.tricare.osd.mil Military retiree health benefits. 58

Older Adults™…the Resource Guide

1-800-444-5445

Southeast Tennessee Edition 2010

Veteran’s Benefits DEPARTMENT OF VETERANS AFFAIRS

1-800-827-1000

MEDICARE ADVANTAGE

In addition to Original Medicare “fee-for-service,” Medicare offers people on Medicare the option to receive their health care through private insurance plans. These private insurance options are part of Medicare Part C, which has also been known as Medicare + Choice plans and is now called Medicare Advantage. These private health plans contract with Medicare and are paid a fixed amount to provide Medicare benefits. They are generally managed care plans. The most common types are Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee-For Service (PFFS) plans or Provider Sponsored Organizations (PSO). You may also see Medicare Advantage plans called Point-of-Service plans (POS), Special Needs Plans (SNP) and Medicare Medical Savings Accounts (MSA’s).

You can join a Medicare Advantage plan if: • You have Medicare Parts A and B,; and • You live in the health plan’s service area; and • You do not have End-Stage Renal Disease (ESRD). (If you have ESRD, you can only join a “Special Needs Plan” that specifically accepts people with ESRD, if there is one in your area. SNP’s are generally HMO’s or PPO’s designed for people with specific needs).

If you want Medicare drug coverage (Part D), generally you must choose a private health plan that has this drug coverage as part of its benefits package. (If you join an MSA or a PFFS without drug coverage, you can join a stand-alone drug plan known as a PDP).

BlueCross BlueShield of Tennessee 1-800-614-8220 PROSPECTIVE MEMBERS CURRENT MEMBERS 1-800-841-7434 TTY/TDD 1-877-664-6422 www.bcbst-medicare.com Private fee-for-service plans. Cariten Senior Health PROSPECTIVE MEMBERS CURRENT MEMBERS TDD/TTY www.caritenseniorhealth.com

Southeast Tennessee Edition 2010

1-888-285-2599 1-865-670-7790 1-800-396-2150

MEDICAL INSURANCE

Different types of plans have different rules for how and where you can get coverage. If they choose, the plans can provide additional benefits that Medicare does not cover. They often charge a premium in addition to the Medicare Part B premium. They also generally charge a fixed amount called a “copayment” whenever you receive a service.

With the yearly increase in Medicare rates, it is always a good idea to review your Medicare supplemental insurance policy. Questions you should ask yourself: ➢ Is my supplemental insurance policy meeting my needs? ➢ Am I receiving the maximum benefits I am entitled to on my policy? ➢ Do I need additional coverage? ➢ Should I upgrade my policy?

Older Adults™…the Resource Guide

59

HealthSpring PROSPECTIVE MEMBERS TDD/TTY www.healthspring.com

1-866-593-4468 1-866-206-5565

Humana MarketPOINT PROSPECTIVE MEMBERS 1-800-336-6719 TDD/TTY 1-877-833-4486 www.humana.com Medicare Supplement insurance and health plans.

Tennessee State Health Insurance Assistance Program (SHIP)

MEDICAL INSURANCE

The Tennessee State Health Insurance Assistance Program is a statewide program that provides free and objective counseling and assistance to persons with questions or problems regarding Medicare and other related health insurance. In Tennessee, SHIP operates through the state’s nine Area Agencies on Aging and Disability (AAAD’s). These agencies offer a variety of services besides SHIP, all aimed at helping persons who are elderly and/or have disabilities to live better lives. SHIP is funded by the Centers for Medicare and Medicaid Services (CMS), an agency of the federal government under the Department of Health & Human Services. Every state, plus Washington, D.C. and two U.S. territories, has a SHIP. SHIP works to give accurate and helpful information. When SHIP is not able to answer a question or solve a problem, a referral is made to other agencies and resources. SHIP does its best to give consumers the help that they need. Get Your Medicare Questions Answered! Tennessee’s State Insurance Assistance Program – 1-877-801-0044 (Toll-Free) Medicare Eligibility – Enrollment – Coverages – Billing – Medicare Advantage Medicare Supplement or Medigap Insurance 10 Standard Plans – Enrollment Deadlines – Rights Medicare & Other Insurance Employee Plans – Retiree Plans – VA – TRICARE for Life Long–Term Care Buying Private LTC Insurance – Reverse Mortgage Information – Nursing Home Medicaid 60

Older Adults™…the Resource Guide

SecureHorizons by United Healthcare PROSPECTIVE MEMBERS 1-800-643-4845 TDD/TTY 1-800-643-4845 (TTY: 711) www.SecureHorizons.com DEPARTMENTS OF HUMAN SERVICES

Bledsoe County (423) 447-2193 323 ROCKFORT RD., PO BOX 396, PIKEVILLE 37367 Bradley County (423) 478-0300 950 STAR VUE DR. SW, STE. 1, CLEVELAND 37311 Grundy County (931) 592-9231 1353 HWY 41 ORCHARD RD., PO BOX 399, TRACY CITY 37387 Hamilton County (423) 634-6752 311 E. MLK BLVD., CHATTANOOGA 37403 Marion County (423) 942-3481 4926–A MAIN ST., JASPER 37347 McMinn County (423) 744-2800 1008 KNIGHT RD., STE. C, PO BOX 929, ATHENS 37371 Meigs County (423) 334-5787 HWY. 58 N, PO BOX 98, DECATUR 37322 Polk County (423) 338-5332 7118 HIGHWAY 411, STE. 101, N. BENTON 37307 Rhea County (423) 775-2681 224 FOURTH AVE., STE. 102, DAYTON 37321 Sequatchie County (423) 949-4621 1845 OLD YORK HWY E., DUNLAP 37327 IDENTITY THEFT AND FRAUD

Identity theft is a serious crime that happens when someone uses your personal information without your consent to commit fraud or other crimes. Your personal information can include your name, or Social Security, Medicare, bank account or credit card numbers. Medicare is working hard to protect you from identity theft. To help protect yourself when dealing with plans and others about Medicare prescription drug coverage:

Keep all personal information, such as your Medicare number, safe. • Protect your Medicare number as you would your credit card information. • Don’t give out your personal information until you are sure that a person is working with Medicare and their product is approved by Medicare. Know the rules about when someone can ask for your personal information. Follow these rules for:

Medicare Prescription Drug Plans: • Will have the “Medicare Approved” “MedicareRx” seal on their materials.

People who are really working with Medicare: • Can’t come into your home uninvited to sell or endorse any Medicare-related product, but they can call you about their plan. • Can’t ask for payment over the web. The plan must send you a bill if you enroll over the web.

Southeast Tennessee Edition 2010

It may be a good idea to keep your Medigap policy for a few months if you first purchase a Private Fee for Service plan. This allows you time to decide if the plan is to your liking.

• Can’t enroll you into a drug plan or ask you to pay for a drug plan over the telephone, unless you are adding prescription drug coverage to a Medicare Advantage Plan or other Medicare Health Plan you already have. Note: State Health Insurance Assistance Programs and other local organizations may help you enroll over the telephone. Remember, Medicare does not recommend one product over another. Call 1-800- MEDICARE (1-800-633-4227) if you aren’t sure about Medicare’s rules or if any of these rules appear broken. Do not respond to anyone or any material that breaks Medicare rules.

Know who you can trust: Most people are honest and want to help you make health care decisions that are best for you. Only give out your personal information to someone you trust or to a doctor or supplier approved by Medicare. Also, make sure that you are present when your personal information is used.

You can trust and get help from: • Family and trusted friends; • Senior centers and other local organizations working with Medicare; • State Health Insurance Assistance Programs - call 1-800-MEDICARE (1-800-633-4227) - or visit www.medicare.gov on the web to get the phone number;

Long Term Care Insurance See also Advance Directives. Most people begin paying for nursing home care from savings and assets, which can be quickly used up. Once a person has become basically impoverished, the Medicaid federal/state government-funded insurance program pays for care. Anyone with assets exceeding $100,000 to protect, in addition to a house, in the event of illness, should research long term care insurance. COMPANY CHECKLIST

✓ How long has the company been in the long term care ■ business? A good company should have been in business at least two years. Don’t be taken in by low premiums to attract customers.

✓ Research the company’s financial strength. A.M. Best ■ is an industry-respected independent rating firm. A+ Superior or A Excellent is okay. Stay away from any rating below A. If you can’t get Best’s report at the library, ask your agent. Southeast Tennessee Edition 2010

IMPORTANT! Your congressperson will serve as liaison with Social Security in resolving problems with missing checks and benefits due. See Elected Representatives.

• 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048; or • Visit www.medicare.gov on the web. If you think someone is misusing your personal information, call: • 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048; or • The Fraud Hotline of the HHS Office of the Inspector General at 1-800-447-8477; or • Visit www.medicare.gov on the web.

Note: If you filled out an application for extra help and there is missing information, someone from SSA may contact you to ask for the missing information. They will only ask you for the information that’s missing from the application. If you feel like you are in danger for any reason, call your local police department immediately.

If you lose your Medicare card, it’s stolen, or you need a new Social Security card, go to www.socialsecurity.gov on the web or call the SSA at 1-800-772-1213 (TTY users call 1-800-325-0778). If you get benefits from the Railroad Retirement Board, call them at 1-877772-5772, or visit www.rrb.gov on the web.

For more information about how to protect yourself from identity theft, visit www.consumer.gov/idtheft on the web.

✓ Watch out for quick 2 – 3-day turnaround time for policy ■ approval. Expect a 4-week turnaround for approval. ✓ How has the company treated current policyholders ■ when they update? Have enhancements been written, on a guaranteed basis, for additional cost or has medical requalification been required?

✓ Make sure the company performs medical underwriting ■ at the time of application rather than at claim time. ✓ What is the company’s claim paying record? Know ■ the percentage of claims paid by the company. If new, excessive claims may raise rates in future years. POLICY CHECKLIST

✓ Make sure the policy has a guaranteed renewable clause ■ so you can’t be canceled or singled out for rate increases. ✓ All levels of nursing care should be covered: skilled, ■ intermediate and custodial. How are they defined? Older Adults™…the Resource Guide

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MEDICAL INSURANCE

TAKE NOTE

✓ 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. ✓ What is the deductible or waiting period? This can ■ range from 0 to 365 days. It should be one that fits your budget since most people begin paying for nursing home care from savings and assets.

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

✓ A good policy does not require you to be hospitalized ■ before benefits are payable. The need for nursing home care and/or home health care may differ from the reason for hospitalization. ✓ What is the length of the benefit period? Does the ■ policy allow you to use your nursing home benefits in the home when home health care benefits are exhausted and vice versa?

✓ What are the Activities of Daily Living (ADLs) that the ■ company uses? How are they defined and how many must be lost to trigger benefits?

✓ Policy should specify Alzheimer’s Disease and frailty ■ and cover organic, mental and nervous disorders that cause cognitive impairment which may prevent you from dressing, bathing and toileting without help.

✓ Check for inflation protection – this rider offers either a ■ simple increase or one that is compounded, usually three to six percent of the daily benefit annually. This type of inflation rider has level premiums which is important because costs increase with age. Make sure you know if the rider renews automatically each year or if you have to request renewal yourself.

✓ Check to assure that the waiver of premium applies to ■ both nursing home and home health care. This continues to cover you at no further cost while collecting benefits. ✓ Look for policies that cover home health care fully. ■ Most long term nursing care is provided inside the home.

Medigap Insurance MEDICAL INSURANCE

If you do not have insurance from a former employer that fills gaps in Medicare, there are several insurance companies that sell supplemental coverage to fill these gaps. They sell policies called Medigaps that help cover Medicare deductibles, coinsurance and some additional benefits. There are 12 different standardized Medigap plans, labeled A–L (except in Mass., Minn. and Wisc.). Not all plans are available in all areas. Note: Starting June 1, 2010, the types of Medigap Plans that you can buy will change. There will be two new Medigap Plans – “M” and “N.” Plans “E,” “H,” “I,” and “J” will no longer be available to buy. If you already have or you buy Plan E, H, I, or J before June 1, 2010, you can keep that plan. Contact your plan for more 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 less expensive than other plans.

All Medigap plans (A–L) must include the following basic 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 only cover this after you have paid the out-of-pocket limit). 62

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Depending on which Medigap plan you choose, you can get coverage for additional expenses Medicare doesn’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) No Medigap plan will be sold with drug coverage after 2005. If you do not have a Medigap H, I, or J policy with drug coverage, you cannot have drug coverage through both your Medigap and the Medicare drug benefit. MEDIGAP INSURANCE CONSIDERATIONS

✓ Can the company cancel or refuse to renew the policy? ■

✓ What are the policy exclusion limits for covered services? ■ ✓ If the annual premium is low, does the cost raise with age? ■ ✓ Will I have to wait before benefits will be paid? ■

✓ Will I have to wait before existing health problems ■ are covered? TAKE NOTE

When an insurance company limits your coverage or denies you coverage, you have the right to appeal the decision. Call The Legal Aid Society of Tennessee: Chattanooga – 1-800-572-7457 Cleveland – 1-800-445-3219 Southeast Tennessee Edition 2010

❂ Long Term Care Insurance Comparison Checklist Long term care insurance policies are complex. • Discuss options with an agent or call the Senior Health Insurance Information Program at 1-877-801-0044 for your comparison.

• Do not choose a policy based only on price and never buy a policy without comparing it to others.

Annual Premium Premiums differ depending on age, benefit period, daily benefit amount, elimination period and type of inflation coverage.

Note Some older policies need to be replaced because of prior hospitalization requirements.

Company Rating____________________________________ Is the Policy Guaranteed Renewable? ________________________ A EXCELLENT–A++. STAY AWAY FROM ANY RATING BELOW A. Waiting Period for Pre-existing Conditions ______________________________________________________________________ Inflation Option _____________________________________________________________________________________________ 20 YEARS.

MAKE SURE INFLATION COVERAGE DOES NOT STOP AT A CERTAIN AGE OR AFTER

Prior Hospitalization Requirements____________________________________________ Eligible Age ______________________

Waiver of Premiums _________________________________________________________________________________________ IF YOU ARE DISABLED, AFTER 60–90 DAYS, COMPANY WILL WAIVE YOUR PREMIUM PAYMENTS AND STILL PROVIDE YOUR INSURANCE COVERAGE. LOOK FOR WAIVER OF PREMIUMS THAT BEGIN IMMEDIATELY AFTER ELIMINATION PERIOD. Elimination (Deductible) Period ________________________________________________________________________________ 0–365 DAYS. CHOOSE THE COVERAGE THAT MEETS YOUR FINANCIAL NEEDS. Nursing Home, Alternate Care Facility, Home Health, Adult Day Care and Respite Care. __________________________________

USUALLY BETWEEN

Daily Benefit ________________________________________________________________________________________________ MOST POLICIES OFFER A SELECTION OF DAILY BENEFITS RANGING FROM $50–300 PER DAY. $110 IS AVERAGE. Skilled, Intermediate and/or Custodial Care in a Nursing Home, Nursing Home, Alternate Care Facility, Home Health, Adult Day Care and Respite Care. __________________________________ SOME POLICIES AUTOMATICALLY OFFER COVERAGE. OTHERS OFFER AS AN OPTION. Alzheimer’s Disease & Dementia Coverage ______________________________________________________________________ Qualification for Benefits (ADLs or other)________________________________________________________________________

ACTIVITIES OF DAILY LIVING: CUSTODIAL CARE NEEDED SUCH AS BATHING, EATING, DRESSING, TOILETING, TRANSFERRING FROM BED TO CHAIR OR

WHEELCHAIR, WALKING AND MAINTAINING CONTINENCE.

Benefit Period/Length of Coverage _____________________________________________________________________________ MANY PEOPLE WILL NOT NEED COVERAGE FOR MORE THAN TWO TO FIVE YEARS. LIFETIME COVERAGE IS THE MOST EXPENSIVE. SELECT AND PAY FOR COVERAGE THAT BEST MEETS YOUR TOTAL NEEDS. LOOK FOR RESTORATION OF BENEFITS CLAUSES WHICH ERASE PRIOR USAGE LIMITS AFTER SIX MONTHS. Maximum Lifetime Benefits Nursing Home, Alternate Care Facility, Home Health, Adult Day Care and Respite Care ___________________________________ Death Return of Benefits______________________________________________________________________________________

IF INSURED DIES, PERCENTAGE OF PREMIUMS PAID THAT ARE GIVEN BACK TO SURVIVORS

(RETURN OF PREMIUMS FOR LAPSED CONTRACTS ALSO AVAILABLE.)

Discount Offered ____________________________________________________________________________________________ DISCOUNTS ARE OFFERED FOR JOINT SPOUSAL, PARENTAL, MULTIPLE COMPANY POLICY COVERAGE, GROUPS, ETC. Southeast Tennessee Edition 2010

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MEDICAL INSURANCE

Level Premiums (no increase with age) _________________________________________________________________________

PREMIUMS WILL NOT INCREASE WITH AGE, BUT BENEFITS AUTOMATICALLY INCREASE TO KEEP PACE WITH INFLATION.

My Health...My Medicare MyMedicare.gov is a free, secure online service for accessing your Medicare information. As a

registered user on MyMedicare.gov you will have access to personalized information regarding your Medicare benefits and services. You may use MyMedicare.gov to: ✓ ■ ✓ ■ ✓ ■ ✓ ■ ✓ ■ ✓ ■ ✓ ■

View claim status (excluding prescription drug plan claims)

Order a duplicate Medicare Summary Notice (MSN) or replacement Medicare card. View eligibility, entitlement and preventative services information View enrollment information including prescription drug plans View or modify your drug list and pharmacy information

View addresses of record with Medicare Part B deductible status

MEDICAL INSURANCE

Access online forms, publications and messages sent to you by CMS

Visit: http://MyMedicare.gov to sign up!

Staying Healthy Medicare’s Preventive Services

The best way to stay healthy is to live a healthy lifestyle. You can live a healthy lifestyle by exercising, eating well, keeping a healthy weight and not smoking.

Another important way to stay healthy is to use preventative services provided by doctors and health care providers. Preventative services can find health problems early when treatment works best and can keep you from getting certain diseases or illnesses. Preventative services include exams, lab tests and screenings. They also include shots, monitoring and information to help you take care of your own health. Medicare pays for many preventive services to keep you healthy. Medicare covers many different preventive services, however, the amount you pay for the services varies depending on the type of health plan. Medicare now covers these three preventive services: ✓ One time “Welcome to Medicare” physical exam ■ ✓ Cardiovascular screening ■ ✓ Diabetes Screening to check for diabetes ■

For more information on preventative services you can visit www.medicare.gov or call 1800-MEDICARE (1-800-633-4227).

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❂ HOME HEALTH AGENCY COMPARISON ABOUT THE AGENCY

A

B

Number of Years in Business

Medical & Health Care Services Handy forms and guides in this section:

Accreditation

Home Health Care Agency Comparison Chart . . . . . . . . . . . . . . . .65 Questions to Ask Your Healthcare Provider . . . . . . . . . . . . . . .68 Medication Checklist . . . . . . . . . . . . . . . .81

Certified (Medicare/Medicaid) 24 hours/day, 7 days/week availability How is phone answered if emergency Has written supervised care plan

Advertisers who offer services that pertain to this section:

Same person(s) to provide service

Home Health Care Providers

Person(s) bonded

Guardian Home Care . . . . . . . . . . . . . . . .71

Liability insurance

In-Home Support Services - Non-Medical

Other:

BILLING INFORMATION

A

Aid & Assist at Home, Inc. . . . . . . . . . . . . .9 Amara Home Care, Inc. . . . . . . . . . . . . . . .1 BrightStar . . . . . . . . . . . . . . . . . . . . . . . . . .9 D & S Community Services . . . . . . . . . . . .7 Personal Care Choices . . . . . . . . . . . . . . .69 ResCare HomeCare . . . . . . . . . . . . . . .3, 71 Rosewood Supportive Services . . . . . . . . . . . .Inside Front Cover

B

Basic hourly charges for skilled nursing: for health aide for personal/homemaker for therapy for medical equipment for other services

Hospice Providers Hospice of Chattanooga . . . . . . . . . . . . .72 Funeral Homes

Minimum hours per day Calculation of travel time Overtime and holidays

Chattanooga Funeral Home, Crematory and Florist . . . . . . . . . . . . . .73 Disability & Rehabilitation Services Signal Centers . . . . . . . . . . . . . . . . . . . . .76

Frequency of billing Files insurance claims Accepts Medicare assignment Other:

Southeast Tennessee Edition 2010

TAKE NOTE

If you receive Medicare benefits through an HMO, you do not need Medigap insurance. You may wish to maintain your Medigap policy until you are sure you are satisfied with an HMO’s services.

www.setaaad.org

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Hospital Health Care Systems

Hospitals provide a wide range of services including emergency assistance, health screening and monitoring, rehabilitation, home health care and aides, physician referral and counseling. Neighborhood locations, mobile units, specific disease assessment and treatment centers, as well as hospital ownership of nursing agencies, in-home hospice care, equipment and continuing care living facilities, warrant the more accurate description of “health care system.” ■ BLEDSOE COUNTY Erlanger Bledsoe 71 WHEELER TOWN AVE., PIKEVILLE 37367

(423) 447-2112

■ BRADLEY COUNTY SkyRidge Medical Center 2305 CHAMBLISS AVE., CLEVELAND 37311 WESTSIDE CAMPUS: 2800 WESTSIDE DR., CLEVELAND 37312

(423) 559-6000

(423) 339-4100

HEALTH SERVICES

■ HAMILTON COUNTY Erlanger Hospital (423) 778-7000 975 E 3RD ST., CHATTANOOGA 37403 NORTH CAMPUS (423) 778-3300 632 MORRISON SPRINGS RD., CHATTANOOGA 37415 EAST CAMPUS (423) 778-8400 1755 GUNBARREL RD., CHATTANOOGA 37421 WOMEN’S SERVICES (423) 778-8700 1755 GUNBARREL RD., CHATTANOOGA 37421 DODSON AVE. COMMUNITY HEALTH CENTER (423) 778-2800 1200 DODSON AVE., CHATTANOOGA 37406 SOUTHSIDE COMMUNITY HEALTH CENTER (423) 778-2700 100 EAST 37TH ST., CHATTANOOGA 37410 ERLANGER NORTH SENIORS PROGRAM (423) 778-3434 (GERIATRIC PSYCH UNIT) 632 MORRISON SPRINGS RD., CHATTANOOGA 37415 HealthSouth Chattanooga Rehabilitation Hospital 2412 MCCALLIE AVE., CHATTANOOGA 37404

(423) 698-0221

Kindred Hospital 709 WALNUT ST., CHATTANOOGA 37402

(423) 266-7721

Memorial Health Care System (423) 495-2525 MEMORIAL HOSPITAL 2525 DE SALES AVE., CHATTANOOGA 37404 MEMORIAL NORTH PARK HOSPITAL (423) 495-7100 2051 HAMILL RD., HIXSON 37343 (423) 756-1506 MEMORIAL NORTH SHORE HEALTH CENTER 103 CHEROKEE BLVD., STE. E, CHATTANOOGA 37405 MEMORIAL WESTSIDE HEALTH CENTER (423) 634-0225 1200 GROVE ST., CHATTANOOGA 37402 www.memorial.org Parkridge East Hospital (423) 894-7870 941 SPRING CREEK RD., CHATTANOOGA 37412 66

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Parkridge Medical Center 2333 MCCALLIE AVE., CHATTANOOGA 37404 GERIATRIC PSYCH UNIT

(423) 698-6061

(423) 493-1571

Parkridge Valley Hospital (423) 894-4220 2200 MORRIS HILL RD., CHATTANOOGA 37421 Siskin Hospital for Physical Rehabilitation ONE SISKIN PLAZA, CHATTANOOGA 37403

(423) 634-1200

■ McMINN COUNTY Athens Regional Medical Center 1114 WEST MADISON AVE., ATHENS 37371

(423) 745-1411

■ MARION COUNTY Grandview Medical Center 1000 HWY. 28, JASPER 37347

(423) 837-9500

Volunteers in Medicine Clinic, Chattanooga, Inc. (423) 855-8220 5705 MARLIN RD., STE. 1400, CHATTANOOGA 37411 Free clinic for qualified uninsured individuals and families.

Woods Memorial Hospital 886 HWY. 411 N, ETOWAH 37331

■ RHEA COUNTY Rhea County Medical Center 9400 RHEA COUNTY HWY., DAYTON 37321

(423) 263-3600

(423) 775-1121

SENIOR MEDICAL PRACTICES

Doctors Home Visits of SE Tennessee (423) 472-8093 Returning to the “good old days” when doctors provided medical care in the safety and security of your home. HOSPITAL MEMBERSHIP PROGRAMS

Hospital membership programs for seniors are free or of nominal charge. Benefits include a member newsletter, help with insurance forms and advance directive counseling, discounts on hospital, medical, travel services and fitness programs. Additionally, health and wellness programs are offered along with routine screenings and immunizations.

Erlanger Hospital (423) 778-LINK (5465) ERLANGER HEALTHLINK PLUS 960 E. 3RD ST. 253 NORTHGATE MALL HealthLink Plus is a free membership program for adults 18 years old or older that offers a variety of benefits that include: • Health and lifestyle education classes, screenings and fitness opportunities Southeast Tennessee Edition 2010

• Health Information and referral services • Free parking at the Baroness Campus and Whitehall Building • Cafeteria & Gift Shop discounts • Free copier / fax/ notary services • Support Groups • Speakers’ Bureau

Memorial Health Care System MEMORIAL GOLD CIRCLE (423) 495-GOLD (4653) 1009 EXECUTIVE DR., HIXSON 37343 Memorial's membership program for those 50 and better offers many activities that are open to all adults and include: • Low-impact aerobics, bridge and Tai Chi classes • Travel - from day trips to international adventures • Social events • Discounts • Health screenings • Educational opportunities • Volunteer opportunities • Flu shots

SkyRidge Medical Center (423) 559-6887 SENIOR CIRCLE 2305 CHAMBLISS AVE., CLEVELAND 37311 www.skyridgemedicalcenter.net SkyRidge’s membership program for those 50 and better offers a variety of benefits for just $15/year. • Hospital Benefits • Health Education • Exercise

TAKE NOTE You must complete either a Living Will or a Life Prolonging Procedures Declaration. You should also have an Appointment of a Health Care Representative or a Durable Power of Attorney for Health Care (as well as for legal and financial affairs). Some doctors, nurses and administrators may be reluctant to follow living will orders. It’s important to tell your doctor, executor, guardian, family and close friends that you have these documents and where they are located. Make sure all copies are signed and notarized. • • • • •

Free copier/fax/notary services Social Events Discounts Day & Extended trips National Magazine

PRESCRIPTION ASSISTANCE

Prescription drug manufacturers make some medications available free of charge to low income persons. Your doctor must make the request to the company.

Partnership for Prescription Assistance 1-888-477-2669 www.pparx.org For information, see your physician or call and request the Patient Assistance Directory.

Home Health Care Coordination Home health care agencies offer a range of services that allow you to remain safely at home with some assistance in daily living, whether it’s medical, cooking, personal hygiene, transportation, companionship, rehabilitation or support to aid the healing process after illness, surgery or injury. If you need several services, a medical or social worker will visit you in your home to determine what services you need and will help you arrange for them. Selecting an Agency Selection of a home health care agency is a personal decision that must be made based upon your needs. Nursing agencies can be found in the Yellow Pages under Home Health Care or Nurses. TAKE NOTE Medicare Part B insurance can help pay for the rental or purchase of durable medical supplies such as oxygen equipment, wheelchairs and other medically necessary items for use in your home. A doctor’s prescription is necessary. Southeast Tennessee Edition 2010

RANGE OF SERVICES

Many agencies provide free assessments to determine the most cost effective plan of care. Per visit or hourly rates vary by agency, skill level, acuity of care, length and timing of services.

Medicare Coverage Guidelines Qualifying for home health benefits under Medicare is never guaranteed. Minimally, the patient must be: • Homebound • Under the care of an M.D. who requests skilled care • In need of skilled nursing or physical therapy intermittently. (Patients who require more than intermittent care, but refuse other alternatives, are not eligible.)

Examples of skilled nursing services that are covered by Medicare: • Wound dressing involving prescription drug and aseptic technique • Bladder and bowel training in the case of incontinence • Injections • Colostomy or ileostomy care • Respiratory, physical, speech or occupational therapies Older Adults™…the Resource Guide

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HEALTH SERVICES

Home Health Services

❂ Questions to Ask Your Healthcare Provider

Review this list of questions as you are planning and preparing for any interaction with the health care system (e.g., doctor visit, trip to the emergency room, hospital discharge planning session, etc.) The questions are organized by category. Select the questions that best fit your needs. Feel free to add your own.

About Medical Care in General ❏ What might have caused this illness? ❏ What is this illness called? ❏ Is this illness likely to go away on its own? ❏ Is the pain likely to diminish or go away? ❏ How do you want to treat this illness? ❏ What are other ways to treat this illness? ❏ What are the risks with these treatments? ❏ What is the likely future of this illness with the recommended treatment? Without the recommended treatment? ❏ What is the time frame for the treatment? ❏ Is a hospital stay necessary? ❏ What is the expected recovery time? ❏ What lifestyle changes can my care recipient expect in the future?

HEALTH SERVICES

About Medical Tests and Procedures ❏ Is the recommended test or procedure necessary to confirm or disprove a diagnosis? ❏ Will the findings of the test change the way the disease is managed? ❏ What are the risks involved? ❏ What happens if my care recipient refuses to undergo this test? ❏ How expensive is the test and will it be covered by insurance? ❏ Will the test require a change in any of the medications my care recipient is taking? ❏ What are the chances of inaccurate test results? ❏ What is the test procedure? ❏ How will the test feel? Will it be painful? ❏ How should I help my care recipient prepare for this test? ❏ Will my care recipient need help getting home afterward? ❏ Who will interpret the test results? ❏ Will someone call with the test results or should I phone for them? ❏ Can test results be sent directly to me or my care recipient? About How the Doctor’s Office Works ❏ What days/hours is the office open? ❏ How are medical emergencies handled? ❏ When is the best time to reach the doctor by phone, fax or e-mail? 68

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❏ Which method of communication does the doctor prefer? ❏ Who can answer questions if the doctor is not available? ❏ Who can I call after hours or when the doctor is away? Regarding the Costs of Medical Care ❏ What private insurance plans do you accept? ❏ Do you accept Medicaid/Medicare assignments? ❏ What costs are covered by Medicaid/Medicare? Supplemental insurance? ❏ What costs are not covered by insurance? ❏ Approximately how much can I expect to pay in the long run for treatment? Regarding Discharge Planning As part of the discharge planning process, many issues related to the patient’s care need to be resolved. As soon as you know your loved one is going to be admitted to the hospital, find out who is in charge of the discharge process and arrange a meeting to gather specific answers to the following questions. ❏ Where is the patient going to go after discharge? (Return to the previous setting? Go someplace else temporarily? Move permanently to a new location?) ❏ Who will provide additional home health care if it is needed? ❏ Does the patient need any home health equipment? What kind? ❏ Do physical and/or occupational therapy visits need to be arranged? ❏ What additional services may be needed and for how long (e.g., Meals-on-Wheels, hospice care, housekeeping, etc.)? ❏ What paperwork needs to be processed to get these services lined up? ❏ How will the added expenses be paid for? ❏ What additional skills do you need to learn so you can care for your loved one properly? Excerpted from Communicating Effectively with Healthcare Providers ©National Family Caregivers Association www.nfcacares.org 800/896-3650

Southeast Tennessee Edition 2010

Medicare does not cover any private duty nursing costs. A patient may be very frail and require many support services such as enemas, incontinence care, bathing, personal grooming, transfer from bed to chair, ambulatory assistance, prompting for performance of basic activities of daily living (ADLs), meal preparation and feeding, dressing, homemaking, chore and companion services. Medicare will not pay for these if all three of the guidelines are not met. QUESTIONS TO ASK

✓ How long has the agency been in business? Is it ■ affiliated with any hospital, community or social service agency?

✓ What services do we need? What will they cost, per ■ visit or per hour, including overtime or holiday charges? How are charges calculated? Is there a minimum number of hours or days per week? What happens when our insurance and/or Medicare runs out? ✓ Does the agency have 24 hour/day, 7 days/week ■ service in case of emergencies?

✓ Will the agency representative consult with our ■ physician and family members to develop a written care plan outlining specific duties caregivers are to perform, at what intervals and for how long? Will all necessary agency personnel know what our needs are?

TERMS

Case Management Professional social worker or nurse makes in-home assessment and determines plan of care. Makes sure care is achieving purpose of client safety and recovery. Clinical Nurse Specialists Have extensive training in a subspecialty such as geropsych or ET or IV therapy. They help train family members to help care for the patient. Discharge Planner Works with patients and family members at hospital dismissal to help with decisions for nursing home placement, home health care, rehab, therapies, etc. Hi-tech Specialty Nursing Includes home transfusion therapies, central line, porta catheters and dialysis services. Home Health Aide Provides assistance with personal care such as bathing, dressing, walking, etc. Home Infusion Therapies Enteral (ET): Tube feedings through the stomach Paraenteral (TPN): Venous nutritional feedings IV: Venous medication delivery

✓ How often will we be billed and who will we pay? Is third ■ party reimbursement available? Will the agency file Medicare, Medicaid, HMO and private insurance claims?

HEALTH SERVICES

✓ Are regular physicals and TB screening required for ■ all workers? Do providers have CPR certification? ✓ How is the agency accredited and is it Medicare ■ licensed and/or Medicaid certified?

✓ Will the agency teach our family caregivers the health ■ care skills so that the patient can work toward regaining independence? ✓ Does the agency screen and bond all caregivers ■ and guarantee that its workers are protected with written personnel policies and basic benefits such as social security, liability, malpractice insurance and worker’s compensation?

✓ Will the same person be reliable, dependable and ■ available throughout all care? Is there a nursing supervisor who oversees all care and will help address any questions or problems? TAKE NOTE A physician must provide written approval for home health care to qualify for Medicare, Medicaid and private insurance reimbursement. Southeast Tennessee Edition 2010

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Homemaker/Personal Care Service May assist with light housekeeping, meal planning and preparation, laundry and companionship. Personal care services include help with bathing, toileting, dressing, walking, getting in and out of bed, grooming, etc. Medical Social Work Licensed social worker consults with patient and family, making referrals for chronic medical problems and to available community resources.

Occupational Therapy Includes exercises, adaptive equipment, splinting, joint protection, energy conservation.

Patient’s Bill of Rights You are entitled to the highest quality of care with dignity, respect, full information disclosure, forthright information about fees and charges and the right to privacy.

Physical Therapy Includes exercise, equipment recommendations, gait training, transfer training, ultrasound, whirlpool, etc.

Private Duty Nursing One-on-one individual skilled nursing care by an RN or LPN in a person’s home. Generally charged hourly. Can also have private duty aides.

Respiratory Therapy Exercises to enhance breathing and lung oxygen supply.

HEALTH SERVICES

Skilled Nursing Care Tasks that cannot be performed or self-administered by the average non-medical person without the direct supervision of a licensed nurse. Provided by RNs, LPNs or physical, speech or occupational therapists. Must be ordered by a physician in conjunction with a care plan. Definitions of skilled care vary among Medicare, Medicaid and long term care insurance policies. Examples of skilled nursing services are injections, insertion of catheters, observation of decubitus ulcers, manual removal of impaction and diabetic teaching. Examples of non-skilled nursing services are enemas, baths, skin care, administering meds, routine post-cataract care. Speech Therapy Includes assessment and intervention in hearing, swallowing, expressive and receptive problems. HOME HEALTH CARE PROVIDERS

Guardian Home Care ATHENS OFFICE (423) 745-7131 (423) 870-9971 HIXSON OFFICE CLEVELAND OFFICE (423) 473-8886 DUNLAP OFFICE (423) 949-9222 When you need care at home that you can trust. Provides skilled nursing, occupational therapy, home health aides, physical therapy, speech therapy and social services. Accepts Medicare, private insurance and private pay. 70

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Amedysis Home Health Chattanooga Office 423-490-1100 Athens Office 1-800-756-8404 Pikeville Office 423-447-6841 Care All Homecare Dunlap Office 423-949-6638 Caresouth Home Health Tracy City Office 931-967-0633 Continuecare Healthservices Chattanooga Office 423-624-8281 Family Home Care Chattanooga Office 423-899-9166 Cleveland Office 423-559-6092 Gentiva Health Services Chattanooga Office 423-892-1122 Guardian Home Care Athens Office (423) 745-7131 Hixson Office (423) 870-9971 Cleveland Office (423) 473-8886 Dunlap Office (423) 949-9222 Home Care Solutions Chattanooga Office 423-238-7878 Athens Office 423-745-4001 Home Health Care of East Tennessee Benton Office 423-338-0501 Chattanooga Office 423-855-5797 Cleveland Office 423-479-4581 Dayton Office 423-570-0800 South Pittsburg Office 423-837-8210 Tracy City Office 931-592-4200 Whitwell Office 423-658-2111 Life Care at Home of Tennessee Chattanooga Office 423-510-1500 Cleveland Office 423-478-8023 Ducktown Office 423-496-1626 Loving Home Care Chattanooga Office (423) 544-2070 Memorial Health Care System Home Health Chattanooga Office (423) 495-8550 Athens Office (423) 745-2461 Cleveland Office (423) 476-1001 Dayton Office (423) 570-0757 NHC Homecare Chattanooga Office 423-877-1716 Athens Office 423-745-4246 PPS Home Infusion Chattanooga Office 423-893-9335 Woods Memorial Home Health Etowah Office 423-263-3628 IN-HOME SUPPORT SERVICES - NON-MEDICAL

Older Adults™ would like to thank the providers whose

advertising support makes the printing of this guide possible.

Aid & Assist At Home, Inc. (423) 899-7000 or 1-800-978-0019 www.AssistAtHome.net Personal care services, homemaker and housekeeping services, transportation and errand services, and sitter and companion services day or night.

Southeast Tennessee Edition 2010

Amara Home Care, Inc. (Formerly known as EverCare) (423) 756-2411 2821 CUMMINS HWY., CHATTANOOGA 37415 www.amaracare.com Always on call. Sitters, caregivers, CNA’s, LPN’s and RN’s. Licensed, bonded and insured. BrightStar of Greater Chattanooga (423) 296-6640 6025 LEE HIGHWAY, STE. 449, CHATTANOOGA 37421 www.brightstarcare.com Professional in-home care for all ages. RN on staff. Companionship, bathing and oral hygiene, light housekeeping and much more. Licensed, bonded and insured caregivers. D & S Community Services 1-866-785-5552 www.dscommunitycare.com Serves Bradley, Meigs, McMinn and Rhea counties in Southeast Tennessee. Personal care, homemaker and respite services, and personal care attendant.

HEALTH SERVICES

Personal Care Choices CLEVELAND OFFICE (423) 479-3036 ATHENS OFFICE (423) 745-2881 Providing affordable, non-medical personal care services in the home, hospital, nursing home and/or the assisted living communities in 13 counties in East Tennessee. Licensed, bonded and insured caregivers. PSSA licensed by the State of TN.

Accepting: Medicare, Private Insurance* and Private Pay. *Available through select providers. Please call to verify coverage.

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ResCare HomeCare (Formerly known as Kelly Home Care) (423) 855-4656 5811 LEE HWY., STE. 405., CHATTANOOGA 37421 We have provided skillful and compassionate care to Tennessee communities for over 30 years. Flexible services in the home, hospital or long term care facility. Call for a complimentary, no-obligation consultation. Rosewood Supportive Services, Inc. (423) 622-9700 1903 MCCALLIE AVE., CHATTANOOGA 37404 Provides individualized in-home support and care with personal attention. Bonded, licensed and screened, our professional caregivers provide the services to help your loved one maintain independence, including meal preparation, sitter/companion services, transportation, light errands, housekeeping, errands and personal care.

Hospice Care

Hospice is a special kind of humane, compassionate care which provides sensitivity and support for those in the final phase of a terminal illness. Care can be provided in-home, in a hospital or in a nursing home. Hospice is covered by Medicare, Medicaid and most private insurance. 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 • Help and support to patient and family on a 24-hr. basis HEALTH SERVICES

QUESTIONS TO ASK

✓ What’s the response to your very first call? ■ ✓ How often does someone visit? ■

✓ Who can be called after normal business hours and ■ how fast do they respond? ✓ What will the actual out-of-pocket costs be? ■

✓ How often will a home health aide visit if your patient ■ has intensive physical care needs?

Your end-of-life care specialists serving the community since 1981.

423.892.4289 4411 Oakwood Drive Chattanooga, TN 72

Older Adults™…the Resource Guide

OTHER PROVIDERS: AAA Sitting Services (423) 892-2876 Alexian Brothers Choices Program (423) 634-0814 AllCare Health Services 1-866-9AllCare (925-5227) Bradley County Health Dept. Homemaker Services (423) 728-7020 Caring Senior Services (423) 894-9200 Home Instead Senior Care Chattanooga Office (423) 893-9993 Dalton, GA Office (706) 277-5721 Loving Home Care (423) 544-2070 Partnership for Families, Children and Adults Homemaker Services (423) 755-2830 Tenderheart Caregivers (423) 877-6695 Tennessee Community Services Agency (TNCSA) (423) 893-2100 ✓ How long will it take to begin hospice service? ■ ✓ Does the patient need 24-hour care? ■

✓ If hospital care is needed, does the patient have the ■ choice of hospital and physician? ✓ What, and how many hours of, services are ■ provided?

✓ What relationship does your doctor have with the ■ provider? ✓ What happens if the patient no longer needs ■ in-hospital care but cannot go home?

✓ Is the hospice contracted with any nursing homes? ■ ✓ What long term bereavement family support is ■ available? ✓ Is inpatient care provided in a designated ■ hospice unit?

✓ Will someone be with the family at the time of death? ■ ✓ How long has the hospice been in business in the ■ area and is it affiliated with any hospital, community or social service agency?

✓ What is the average caseload carried by each nurse? ■ ✓ Will the same team stay with the patient throughout ■ the entire length of care?

✓ Are there any special services or therapies offered ■ which meet your patient’s specific needs and wishes? CAREGIVER TIP Not only does hospice benefit the terminally ill, it also benefits the family through grief support services. Bereavement counseling is available for up to a year after the loved one has died. Southeast Tennessee Edition 2010

✓ Will the hospice service file insurance claims for the ■ family? How will out-of-pocket expenses be handled? ✓ What if Medicare or insurance coverage ends? ■

Chattanooga Funeral Home, Crematory and Florist EAST CHAPEL IN EAST RIDGE NORTH CHAPEL IN HIXSON ■ VALLEY VIEW CHAPEL

PROVIDERS



Older Adults™ would like to thank the providers whose



advertising support makes the printing of this guide possible.

Hospice of Chattanooga (423) 892-4289 4411 OAKWOOD DR., CHATTANOOGA 37416 Call 24 hours/day, 7 days/week. For the patient and family living with a life threatening illness.

OTHER PROVIDERS: Amedisys Hospice Chattanooga Office 423-499-0018 Athens Office 423-507-8755 South Pittsburg Office 423-837-4151 Avalon Hospice 423- 892-3737 or 1-877-892-3737

IN ■

OOLTEWAH

EAST BRAINERD CHAPEL ON EAST BRAINERD ROAD

423-698-254 1

Caris Healthcare Home Health Care of East Tennessee Cleveland Office Dayton Office Tracy City Office Whitwell Office SkyRidge Medical Center Hospice

423-899-4044

423-479-4581 423-570-0800 931-592-4200 423-658-2111 (423) 559-6092

Medical Equipment & Adaptive Devices

Accu-Med Supply Inc. 8419 OAK VIEW DR., CHATTANOOGA 37421

(423) 648-5500

Advanced Respiratory, Inc.

(423) 490-0300

Genesis Home Care Corporation (423) 894-6418 5710 LEE HWY., CHATTANOOGA 37421-3570 HealthCare Plus, Inc.

1-800-394-5001

Holland Medical Equipment, Inc. 2900 DODDS AVE., CHATTANOOGA 37407

(423) 757-9400

Henley Medical 1090 MCCALLIE AVE., CHATTANOOGA 37404

(423) 698-4200

Advantage Healthcare

(423) 698-4594 (423) 495-0233

Home Care Solutions (423) 238-7878 9420 OOLTEWAH INDUSTRIAL DR., STE. 102, OOLTEWAH 37363

Anderson Drugs

(423) 263-7824

KCI USA, Inc. (423) 892-0293 4295 CROMWELL RD., STE 411, CHATTANOOGA 37421-2176

American Home Patient, Inc. (Medical Equipment Companies)

Apria Healthcare, Inc. (423) 499-0212 5959 SHALLOWFORD RD., STE. 543, CHATTANOOGA 37421 Bradley Medical Equipment 1800 S LEE HWY., CLEVELAND 37311-7328

(423) 472-4300

Chattanooga Mobility Center (423) 875-3456 4200 DAYTON BLVD., STE. A, CHATTANOOGA 37415-1753 Cherokee Medical Supply (423) 476-5516 2850 WESTSIDE DR NW, STE. F, CLEVELAND 37312-3505 Cleveland Home Respiratory Care, Inc. (423) 336-1555 115 HIDDEN OAKS TRL. NE, CLEVELAND 37312-7320 Continuecare Healthservices, Inc. (423) 624-8281 1501 RIVERSIDE DR., STE. 350, CHATTANOOGA 37406-4329 Convalescent Supplies

Southeast Tennessee Edition 2010

(423) 745-5208

Kingwood Medical Equipment (423) 629-9940 3824 RINGGOLD RD., CHATTANOOGA 37412-1640 Lincare, Inc. (423) 949-4107 151 CHERRY ST., STE. B, DUNLAP 37327-4345 Lookout Medical Services (423) 490-0055 4295 CROMWELL RD., STE. 104, CHATTANOOGA 37421-2167 IMPROVING BALANCE

Try this exercise to help improve your balance. Stand to the side of a counter and put your hand on it for support. Position one foot directly in front of the other; the heel of the front foot should just touch the toes of the back foot. Distribute your weight evenly on both feet. Steady yourself and let go of the counter. Hold the position for 10 seconds. Older Adults™…the Resource Guide

73

HEALTH SERVICES

Access Durable Medical Equipment, LLC (423) 877-3568 4062 HIXSON PK., CHATTANOOGA 37415-3110

Please support our valued

advertisers without whom this Guide could not be published. Tell them

New Hope Medical Equipment, Inc.

(423) 476-5547 (423) 648-7711

Outreach Medical Supplies, Inc. (423) 553-5595 515 AIRPORT RD., STE. 114, CHATTANOOGA 37421 Preferred Oxygen, LLC

Professional Respiratory Services 650 25TH ST., STE .402, CLEVELAND 37311

1-800-793-7491

Tri-State Respiratory Service, Inc. 1-800-464-1423 50 25TH ST., NW, STE. 4, CLEVELAND 37312 MEDICAL EMERGENCY RESPONSE SYSTEMS

Summon help 24 hours a day. In either voice or nonvoice activated units, an alert goes out to a response center which tries to contact the subscriber, then predesignated persons if necessary. Some systems have a timer option where, if the subscriber does not reset a button every 24 hours, an alert is sent to the center.

you saw it in:

Medical Center Pharmacy, Inc.

Superior Medical Supply, Inc. www.superiormedical.net

(423) 338-7377 (423) 614-0297

Pulmonaire Service, Inc. (423) 756-7050 836 MCCALLIE AVE., CHATTANOOGA 37403-2600 Scenic City Medical Equipment (423) 847-1202 6503 HIXSON PK., STE. B, HIXSON 37343-2586 HEALTH SERVICES

Specialized Oxygen Services, LLC (423) 847-0031 6937 MIDDLE VALLEY RD., STE. A, HIXSON 37343-2499 Summitt Group, Inc. (423) 893-9121 737 MARKET ST., STE. 720, CHATTANOOGA 37402

A Vital Link

1-800-338-4825

ADT Personal Emergency Response Systems

1-800-554-3322

American Medical Alarms, Inc.

1-800-542-0438

Alert One Services, Inc. Life Alarm Services LifeFone

Philips Lifeline Systems Link to Life

Memorial Hospital Lifeline Tennessee Medical Alert

VRI Personal Emergency Response Service

1-800-693-5433 1-800-780-5433

1-800-882-2280

1-800-LIFELINE

1-800-848-9399 (423) 495-8774 (423) 629-9921

1-800-860-4230

Disability & Rehabilitation Services

See also Adult Day Care and Adaptive Devices.

Area hospitals and some nursing homes have rehabilitation departments with speech, occupational and physical therapists for people who have suffered a stroke, limb amputation, head trauma, etc. Some hospitals also have specialized rehabilitation programs for problems such as cardiac or pulmonary disease.

National Rehabilitation Information Center 1-800-346-2742 TDD/TTY (301) 459-5984 www.naric.com Library of information and reference center for disability and rehabilitation. M – F, 9:00 A.M. – 5:00 P.M. 74

Older Adults™…the Resource Guide

Signal Centers (423) 698-8528 109 NORTH GERMANTOWN RD., CHATTANOOGA 37411 Tri-State Resource and Advocacy Group (423) 892-4774 5800 BUILDING, 5708 UPTAIN RD., STE. 350, CHATTANOOGA 37411 Opportunities for individuals with disabilities to lead full and independent lives through peer counseling, advocacy, job assistance and computer training.

U.S. Department of Justice 1-800-514-0301 950 PENNSYLVANIA AVE. N.W., DISABILITY RIGHTS, SECTION-NYAV, WASHINGTON, D.C. 20530 www.ada.gov Provides information about the ADA in Braille, large print, audiotapes, or electronically on computer disk.

Southeast Tennessee Edition 2010

OTHER PROVIDERS: A.I.M. Center, Inc. . . . . . . . . . . . . . . . . .(423) 624-4800 ARC of Hamilton County . . . . . . . . . . .(423) 624-6887 Benefits to Work Project for Recipients of Social Security Disability . . . . . .1-888-839-5333 Bradley-Cleveland Community Services . . . . . . . . . . . . .(423) 479-4111 Center on Disability and Employment1-865-974-9400 Chattanooga Area Brain Injury Association . . . . . . . . . . . . . . .(423) 634-1572 Disability Solutions – Social Security Appeals . . . . . . . . . .(423) 473-6720 East TN Regional Resource Center . .1-865-594-5691 Fortwood Center . . . . . . . . . . . . . . . . . .(423) 266-6751 Goodwill Industries . . . . . . . . . . . . . . .(423) 629-2501 Hamilton County Social Services . . . .(423) 209-6855 Hosanna Community Residence . . . . .(423) 870-6880 Legal Aid of East Tennessee . . . . . . .1-800-572-7457 Meritan . . . . . . . . . . . . . . . . . . . . . . . . .1-800-320-1104 Office of Consumer Affairs and Civil Rights . . . . . . . . . . . . . . . .1-800-560-5767 Paralyzed Veterans of America, TN Chapter . . . . . . . . . . . .1-800-795-3569 Partnership for Families, Children and Adults . . . . . . . . . . . . .(423) 755-2870 Paws with a Cause . . . . . . . . . . . . . . .1-800-253-7297 People First of TN, Inc. . . . . . . . . . . . .1-800-264-7773 Social Security Administration . . . . .1-800-772-1213 Southeast TN Career Centers Athens . . . . . . . . . . . . . . . . . . . . . . . .(423) 745-2028 Chattanooga . . . . . . . . . . . . . . . . . . . .(423) 894-5354 Cleveland . . . . . . . . . . . . . . . . . . . . . .(423) 473-9459 Dayton . . . . . . . . . . . . . . . . . . . . . . . .(423) 570-1107 South Pittsburg . . . . . . . . . . . . . . . . .(423) 837-9103 Statewide Independent Living Council of TN . . . . . . . . . . . . .(423) 892-4774 TEAM Evaluation Center, Inc. . . . . . . .(423) 622-0500 TN Council on Developmental Disabilities . . . . . . . .(615) 532-6615 TN Disability Coalition . . . . . . . . . . . . .(615) 383-9442 TN Disability Pathfinder . . . . . . . . . . .1-800-640-4636 TN Technology Access Project . . . . .1-800-732-5059 TennCare Consumer Advocacy Program . . . . . . . . . . . . . .1-800-722-7474 Vocational Rehabilitation Services Chattanooga Office . . . . . . . . . . . . . .(423) 634-6700 Cleveland Office . . . . . . . . . . . . . . . .(423) 478-0330 We Care Social Services of Dayton . .(423) 775-4333 TAKE NOTE Fighting Inflammation. Eat at least 3 servings weekly of foods rich in omega-3 acids, including fish (salmon, tuna, trout, mackerel, herring or sardines) and flaxseed (available at health food stores and some drug stores). It also helps to lose weight and exercise.

Southeast Tennessee Edition 2010

Wheel Me On . . . . . . . . . . . . . . . . . . . . .(931) 551-9204 Wheelchair Getaways of TN . . . . . . . .1-888-245-9944 VISUAL DISABILITIES

Medicare does not cover expenses for routine eye exams or glasses except after cataract surgery. Medicaid may cover the cost for routine exams and glasses. Some Medicare HMOs provide discounts.

Chattanooga Association-Blind 106 KEY WEST AVE., ROSSVILLE 30741 Call for a list of services provided.

(706) 858-0407

Canine Companions for Independence

(707) 577-1700

Delta Society National Service Dog Center

(425) 226-7357

CARTA (Care-A-Van) (423) 698-9038 1617 WILCOX BLVD., CHATTANOOGA 37406 Provides lift vans to transport those with visual disabilities to needed services. Requests 24 hours to two weeks in advance. First come, first served.

Department of Human Services – Blind Services

(423) 634-6737

District 12-0 Lions Eye Bank (423) 899-2463 6573 HICKORY MEADOWS DR, CHATTANOOGA 37421 Procures, evaluates and distributes corneal tissue for transplant. The eye bank provides both professional and community education about eye donation. Foundation Fighting Blindness

1-800-683-5555

CAREGIVER TIP

Medication Safety Tips

Older adults have special medication needs and issues. Many times they take several medications for more than one medical condition. Importantly, the body disposes of drugs differently as it ages.

Make sure you know:



• • •

The name of all your drugs.

How many times a day to take it; when; 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 make sure you consult with your doctor or pharmacist before mixing any over-the-counter medicines with your prescriptions. Older Adults™…the Resource Guide

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HEALTH SERVICES

Veteran’s Administration 1-800-827-1000 www.va.gov Information and assistance for military veterans.

Guide Dog Foundation for the Blind

1-800-548-4337

Leader Dogs for the Blind www.leaderdogs.org

1-888-777-5332

Guiding Eyes for the Blind

Library Services for the Blind and Physically Handicapped

1-800-942-0149

1-888-657-7323

Mid-Tennessee Council of the Blind (615) 356-4940 622 CROLEY DR, NASHVILLE 37209 Information and referral. No direct services. Run by volunteers. Prevent Blindness Tennessee

1-800-335-0450

Tennessee Services for the Blind and Visually Impaired

1-800-628-7818

Recording for the Blind and Dyslexic 1-800-803-7201

The VITAL Center, Inc. (423) 624-0025 1302 S. WILLOW ST., P O BOX 3467, CHATTANOOGA 37404 Comprehensive rehabilitation center for the visually impaired. Assists low vision and visually impaired persons with orientation and mobility, adaptive skills training, counseling, adaptive employment services and computer skills. Also teaches Braille.

General Electric Answer Center 1-800-626-2000 www.geappliances.com Provides free Braille overlays and special knobs for visually impaired customers with GE, Hotpoint or post-1988 RCA major appliances. Give model and serial number of your appliance. 24 hours/7 days. Lighthouse International Center 1-800-829-0500 for Vision and Aging www.lighthouse.org Provides education and programs about age-related vision impairment. Information and resources. National Eye Care Project 1-800-222-EYES (3937) www.eyecareamerica.org For those 65+ who have no access to an opthamologist. Helps those who cannot pay. Referrals are made to doctors who will provide eye care (not glasses). Open 24/7. National Federation of the Blind (573) 875-8911 Publishes Voice of the Diabetic, a free quarterly publication available in print or audiocassette. South Dakota Association of the Blind Gadgetry Program 1-888-584-7440 1101 N. GARFIELD, SIOUX FALLS, SD 57104 Large print checking registers, address books and calendars, $9 – 11.20. Gadgetry items with adaptive devices. SPEECH & HEARING DISABILITIES

HEALTH SERVICES

Medicare doesn’t cover the expense of hearing aids or routine hearing exams. Medicaid may cover some costs.

TDD/TTY users have speech and hearing impairments and use a device which enables them to communicate via written phone messages. Some senior centers have TDD/TTY equipment.

Audiology Services of Chattanooga

(423) 894-1133

Hearing Loss Association of America PO BOX 25254, CHATTANOOGA 37422 (423) 894-3138 Group meets for hard of hearing, family and friends at the Ronald McDonald House, Central and 3rd Street in Chattanooga. Group offers ideas and shares concerns for the hard of hearing. Meets 3rd Sun. of the month at 2:00 P.M., Sept.–May.

76

Independent Living Aids/ SoundBytes 1-800-537-2118 or 1-888-816-8191 Products for the visual and hearing impaired. An infrared headset enables you to listen to the TV, stereo or VCR at a louder volume than others in the room. Also available are devices to make your phone ring louder or to alert you when the phone or doorbell rings or child cries. Call for pricing. Older Adults™…the Resource Guide

Southeast Tennessee Edition 2010

1-800-342-3262

McMinn Senior Citizens, Inc. (423) 745-6830 205 MCMINN AVE., ATHENS 37371 Hearing aid bank for low income seniors. Partnership for Families, Children and Adults (423) 697-3842 TTY (423) 697-3831 1801 DUNCAN AVE., CHATTANOOGA 37404 www.partnershipfca.com Program responds to the needs of the deaf and hard of hearing by offering communication through interpreting services using American Sign Language as well as other support services which integrates them into the mainstream of the community. Among the services offered are: support counseling, information and referral, video relay phones and job placement. Signal Centers Assistive Technology Center (423) 698-8528 109 NORTH GERMANTOWN RD., CHATTANOOGA 37411 Promotes the incorporation of technology in the lives of people with disabilities. Uses technology to empower people with disabilities, to give them control and to provide them with choices in all aspects of their lives.

Speech and Hearing Center (423) 622-6900 600 N HOLTZCLAW, STE. 200, CHATTANOOGA 37404 Diagnostic evaluations and testing for those who have hearing impairments. Orders/fits hearing aids for those who need them. Accomplishes aural rehabilitation. The local Sertoma Club assists in purchasing hearing aids for elderly persons on a low fixed income. Speech and Hearing Clinic Marion County (423) 837-7875 300 ELM AVE., SOUTH PITTSBURG 37380 A full service clinic that provides diagnostic and therapeutic services for all types of speech, language, hearing and communication disorders. An affiliate of the Chattanooga Hamilton County Speech and Hearing Center.

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Southeast Tennessee Edition 2010

CATALOGS WITH DISABILITIES PRODUCTS

These catalogs feature products for home and recreational use including access ramps, large print playing cards, wheelchair gloves, adaptive clothing, post-mastectomy bras and swimwear.

Access to Recreation . . . . . . . . . . .1-800-634-4351 Dr. Leonard’s Healthcare . . . . . . . .1-800-785-0880 Grahamfield . . . . . . . . . . . . . . . . . .1-800-235-4661 JCPenney Special Needs . . . . . . .1-800-222-6161 Sears Healthcare . . . . . . . . . . . . . .1-800-326-1750

DISABILITY PUBLICATIONS

Paraplegia News/Sports’n Spokes .1-888-888-2201 Tennessee Council for the Deaf and Hard of Hearing TTY

(615) 313-4918 (615) 313-5695

Tennessee Relay Center 1-800-848-0299 Dual relay telephone communications for hearing impaired, sight impaired and elderly persons in the state of Tennessee. Messages are relayed through Nashville to the person called on behalf of the caller. ■ VEHICLE ADAPTATION National Mobility Equipment Dealers Association 1-800-833-0427 3327 W. BEARSS AVE., TAMPA, FL 33618 Association of vehicle adaptive equipment installers publishes a newsletter. Addresses issues of adaptive equipment liability, standards and makes referrals. CHRYSLER CORPORATION 1-800-255-9877 FORD AND LINCOLN MERCURY 1-800-952-2248 FORD AND LINCOLN MERCURY TDD 1-800-TDD-0312 GENERAL MOTORS 1-800-323-9935 GENERAL MOTORS TDD 1-800-823-9935 SATURN 1-800-553-6000 These auto manufacturers provide information packets through their mobility programs with driver assessment facilities, mobility equipment dealers and state-specific resources for adapting a vehicle to accommodate a disabled driver or passenger. Some reimbursement for installing adaptive equipment on their vehicles is available. ADDITIONAL ACCESSIBILITY RESOURCES

Americans with Disabilities Act 1-800-514-0301 TDD/TTY 1-800-514-0383 U.S. DEPT. OF JUSTICE, CIVIL RIGHTS DIV., 950 PENNSYLVANIA AVE. N.W., DISABILITY RIGHTS, SECTION–NYAV, WASHINGTON, D.C. 20530 www.ada.gov Information is available in Braille, large print, audiotapes or electronically on computer disk. Older Adults™…the Resource Guide

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HEALTH SERVICES

Library Services for the Deaf and Hard Of Hearing

PACE Providers PACE – Program of All-inclusive Care for the Elderly Alexian Brothers PACE (423) 698-0802 425 CUMBERLAND ST., CHATTANOOGA 37404 PACE is a unique capitated managed care benefit for the frail elderly provided by a not-for-profit or public entity. PACE features a comprehensive medical and social service delivery system using an interdisciplinary team approach in an adult day health center that is supplemented by in-home and referral services in accordance with participants’ needs.

PACE services include, but are not limited to, all Medicare and Medicaid services. The program provides the entire continuum of care and services to seniors with chronic care needs while helping them remain in their own homes for as long as possible. Care and services include: CAREGIVER TIP

Many prescription drug manufacturers make some medications available free of charge to low income persons. Your doctor must make the request to the pharmaceutical company.

• • • • • •

• •

Adult day care that offers nursing; physical, occupational and recreational therapies; meals; nutritional counseling; social work and personal care. Medical care provided by a PACE physician familiar with the history, needs and preferences of each participant Home health care and personal care All necessary prescription drugs Social services Medical specialists such as audiology, dentistry, optometry, podiatry and speech therapy Respite care Hospital and nursing home care when necessary

To be eligible to be a PACE participant, you must be age 55 or older; meet a nursing facility level of care; and live in the PACE organization service area. CHOOSING A WALKER When researchers compared a commonly used four-legged, two-wheeled walker with a newer three-legged, three-wheeled walker, the three-wheeler was preferred. (Study published in the Journal of the American Geriatrics Society)

Holistic Health and Wellness Programs

HEALTH SERVICES

Hospitals and HMO’s encourage you to stay healthy with a variety of health fairs, seminars and preventive screenings such as cholesterol, hearing, vision and diabetes management programs. Some have cardiac rehabilitation centers, holistic health centers and programs in biofeedback, Tai Chi, therapeutic massage, yoga and much more.

Alexian Brothers Live At Home ProgramTM (423) 634-0814 651 EAST 4TH ST., CHATTANOOGA 37403 Live At Home, an award-winning program of elderly services, is designed to enable aging adults to remain in their homes even if they begin to need help with daily living activities or become eligible for nursing home care. Members enjoy the security of comprehensive wellness and support services that encourage independence, improved health and longevity. CAREGIVER TIP Sometimes older adults can experience emotional difficulties and/or behave strangely due to medications they are taking.

Consult with your loved one’s healthcare provider to discuss possible organic causes of depression or erratic behavior. 78

Older Adults™…the Resource Guide

Alexian Brothers Senior Neighbors 10TH AND NEWBY 1000 NEWBY ST., CHATTANOOGA 37402 BOYNTON CENTER 957 A BOYNTON DR., CHATTANOOGA 37402 MARY WALKER CENTER 2505 S. MARKET ST., CHATTANOOGA 37408 SODDY DAISY CENTER 190 DEPOT AVE., SODDY DAISY 37379

(423) 755-6100 (423) 755-6133 (423) 755-6136 (423) 332-1702

Alexian Grove (423) 825-5557 100 ASBURY OAK LN., CHATTANOOGA 37419 Alexian Grove is a community of active older adults who enjoy recreation, wellness, frequent excursions and ministry resources with optimal support services in the beautiful setting of Lookout Valley. Alexian Village of Tennessee (423) 886-0100 100 JAMES BLVD., SIGNAL MOUNTAIN 37377 Alexian Village combines the pleasures of an active, independent lifestyle with the security of affordable life-long continuing care. American Yoga Association (941) 927-4977 513 S. ORANGE AVE., SARASOTA, FL 34236 “Easy Does It” yoga for older adults. For free information, send a self-addressed stamped envelope and 55¢. Southeast Tennessee Edition 2010

Health-related Agencies & Services

AIDS/HIV

AIDS Hotline – Tennessee Department of Health COUNSELING 1-800-525-AIDS TESTING ONLY 1-800-253-9174 or 1-800-584-8183 8 A.M. – 12 A.M., 7 DAYS/WEEK Highly trained counselors offer confidential help. Centers for Disease Control – Info. 1-800-232-4636 PO BOX 13827, RESEARCH TRIANGLE PARK, NC 27709 www.cdec.gov Clearinghouse offering free government publications and information about resources for AIDS/HIV/STDS/TB.

Channels of Love (423) 756-4673 1026 MCCALLIE AVE., CHATTANOOGA 37403 A Christian organization that serves the HIV/AIDS infected/affected persons in greater Chattanooga area. Weekly support groups serving HIV/AIDS infected/ affected persons as well as weekly meetings for family and friends. Call for more information.

Chattanooga CARES (423) 265-2273 13 W. KENT ST., CHATTANOOGA 37405 Provides comprehensive case management for persons infected with HIV/AIDS including counseling, referrals, claims assistance, advocacy and emergency assistance for rent, utilities and food. Case managers serve 11 counties in southeast Tennessee area.

Nancy's House (423) 559-8592 PO BOX 5086, CLEVELAND 37320 www.nancyshouse.org HIV/AIDS Prevention Education (seminars and workshops addressing HIV/AIDS prevention, issues and concerns). Also support services.

The Home Place (423) 698-9079 800 GLENWOOD DRIVE, CHATTANOOGA 37406 The mission of The Home Place is to provide housing in a supportive and compassionate environment for homeless/at risk persons living with HIV/AIDS.

Council for Alcohol & Drug Abuse Services (CADAS) (423) 756-7644 207 SPEARS AVE., CHATTANOOGA 37405 Operates a substance abuse center for the area. Day treatment, outpatient, inpatient, detoxification and rehabilitation for abusers of alcohol and drugs. Counseling and prevention programs. Provides a DUI school in Rhea County on alternate months.

Springview Recovery Center (423) 265-1186 1314 BAILEY AVE., CHATTANOOGA 37404 Provides outpatient substance abuse and treatment for adult alcohol and drug abusers. ALZHEIMER’S DISEASE

Alzheimer's Association – Mid-South Tennessee Chapter (423) 265-3600 or 1-800-272-3900 7625 HAMILTON PARK DR., STE. 8, CHATTANOOGA 37421 Offers nineteen support groups for persons and family members affected by Alzheimer's disease. Group meets at different locations. Also offers Family Assistance Program. See Page 54 for more information. ARTHRITIS/LUPUS

Arthritis Foundation – Tenn. Chapter 1-800-454-4662 421 GREAT CIRCLE RD., NASHVILLE 37228 Provides education and awareness about arthritis, support groups and the latest research information. National Arthritis Foundation 1-800-933-7023 1330 W PEACHTREE ST., ATLANTA, GA 30309 Provides educational information and material about arthritis. Maintains an information voice mail system to direct specific informational/educational pamphlets about arthritis and services. CANCER SUPPORT

American Cancer Society of Hamilton County (423) 267-8613 or 1-800-227-2345 6221 SHALLOWFORD RD., STE. 102, CHATTANOOGA 37421 www.cancer.org Education and public awareness about cancer. Various educational materials are distributed to schools, group meeting and individuals. Enhances public awareness of cancer and advantages of early detection and treatment.

ALCOHOL

Alcoholics Anonymous (423) 499-6003 1-800-278-8962 24 HOUR HELPLINE 5611 RINGGOLD RD., STE. 130, EAST RIDGE 37412 Support group for people who seek information or share common problems or concern about drinking alcohol. Group meetings are held many times a week at various locations in all parts of the community. There are groups for teens as well as adults. Southeast Tennessee Edition 2010

TAKE NOTE

Arthritis ranks as the number one cause of disability in the US. Of the 40 million Americans suffering from arthritis, more than 15 million are age 65 or older. For about 7 million, arthritis limits the ability to perform everyday tasks such as dressing, climbing stars, getting in and out of bed and walking. Older Adults™…the Resource Guide

79

HEALTH SERVICES

Most agencies provide advocacy, counseling, support and telephone reassurance. Informational literature is available with a phone call. Services are free unless noted. Most agencies have a speakers’ bureau.

Breast Cancer Network of Strength - Chattanooga (Formerly Y–Me of Chattanooga) (423) 629-2445 1400 MCCALLIE AVE., STE. 250, CHATTANOOGA 37404 www.networkofstrength.org/chattanooga Peer support and information, support groups, educational programs and financial assistance. Prosthesis bank.

American Inst. For Cancer Research 1-800-843-8114 1759 R STREET NW, WASHINGTON, D.C. 20009 This agency uses scientific research to educate the public on the connection between diet, nutrition and cancer. Operates a Nutrition Hotline staffed by a professional dietitian, who will call back within 2 days. Look Good Feel Better (423) 267-8613 or 1-800-ACS-2345 AMERICAN CANCER SOCIETY OF HAMILTON COUNTY, 6221 SHALLOWFORD RD., STE. 102, CHATTANOOGA 37403 For women undergoing active treatment.

Memorial Cancer Resource Centers (423) 495-7778 MEMORIAL HOSPITAL, 605 GLENWOOD DR., STE. 307, 37404 MEMORIAL NORTH PARK HOSPITAL (423) 495-7077 PROFESSIONAL OFFICE BLDG., STE. 105, 2051 HAMILL RD., HIXSON 37343 Committed to serving cancer patients, their families and the community with a holistic approach to cancer care, as well as information, education and support. DENTAL

Lone Oak Free Health and Dental Clinic (423) 886-4040 A clinic providing treatment for basic illness and dental services to all who need them.

DRUG & POISON

Poison Control Center Hotline 1-800-288-9999 TTY (615) 936-2034 501 OXFORD HOUSE, 1161 21ST AVE. S, NASHVILLE 37232 Emergency information for drug or poison exposure supplied by licensed pharmacists and certified poison information specialists. EPILEPSY

Epilepsy Foundation of SE Tennessee (423) 634-1771 1 SISKIN PLAZA, CHATTANOOGA 37403 Provides support and education services. HEART

American Heart Association (423) 668-4900 519 E 4TH ST., CHATTANOOGA 37403 www.americanheart.org Information and educational programs to health care professionals, schools, work sites and community that are focused on reducing risk of heart disease. Programs concentrate on nutrition, high blood pressure, stopping smoking and exercise to reduce heart disease and stroke. HUNTINGTON’S DISEASE

Huntington’s Disease Society of America 1-800-345-4372 MID-SOUTH/TENNESSEE AFFILIATE 505 8TH AVE., STE. 902, NEW YORK, NY 10018 www.hdsa.org Support and counseling. Nursing home referral and training.

HEALTH SERVICES

DIABETES

American Diabetes Association 1-865-524-7868 or 1-888-342-2383 211 CENTER PARK DR., STE. 3010, KNOXVILLE 37922 www.diabetes.org Provides educational programs to patients and the public about diabetes and associated problems. Distributes brochures, pamphlets, etc. to schools, health professionals and other community groups. Provides information and referral about diabetes.

Renal Disease Intervention (423) 209-8155 921 E. 3RD ST., CHATTANOOGA 37403 Registered Nurse and Social Worker make home visits to persons at risk for developing End Stage Renal Disease (ESRD) due to diabetes and/or hypertension. Hopes to improve quality of life and delay progression. CAREGIVER TIP Of the 16 million Americans who have diabetes, only half are diagnosed. More than 3 million persons who suffer from diabetes are over the age of 65. Complications from diabetes include blindness, amputation, heart disease, kidney failure and premature death. 80

Older Adults™…the Resource Guide

KIDNEY

Chattanooga Kidney Center (423) 648-4900 2118 STEIN DR., CHATTANOOGA 37421 State-of-the-art hemodialysis facility providing dialysis therapy to patients with End Stage Renal Disease.

Kidney Foundation of Gr. Chattanooga (423) 265-4397 1020 DALLAS RD., STE. 401, CHATTANOOGA 37405 http://www.kidneyfoundation.com Education about organ donor program and kidney disease prevention. Provides some direct services to those suffering from kidney disease. LEUKEMIA

The Leukemia & Lymphoma Society – Tennessee Chapter Medical Assistance 1-800-332-2980 404 BNA DR., STE. 102, , NASHVILLE 37217 www.lls.org/tn Provides persons diagnosed with leukemia and blood cancers, including lymphoma and myeloma, limited financial assistance of $150 annually. Peer to peer counseling, family support groups and educational material free of charge.

Southeast Tennessee Edition 2010

❂ MEDICATION CHECKLIST List your medications here, then keep this list in your purse or wallet. You can also make copies of your list to keep at home or work or to give to family members. What is the brand name of the drug?

Drug A

Take it with you to your doctor appointments and review the list with a pharmacist. Drug B

Drug C

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? HEALTH SERVICES

Are there side effects I should report to 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 know about taking this drug? Note any medication allergies:

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Older Adults™…the Resource Guide

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Spread th e word! Tell them you saw it in ...

LUNG

American Lung Association of Tennessee (423) 629-1098 or 1-800-LUNGUSA 1466 RIVERSIDE DR., STE. D, CHATTANOOGA 37406 http://www.alatn.org Information and educational materials on lung health, asthma and tobacco control to public, health care professionals, schools, work sites and community groups for a 10 county area. Seeks to enhance public awareness of lung disease caused by air quality and tobacco use.

Older Adults.

Hamilton County Health Department (423) 209-8220 921 E 3RD ST., CHATTANOOGA 37403 Registered dieticians provide nutrition counseling to patients and families. Classes on weight management, cooking and lowering cholesterol. Other topics available. PARKINSON’S DISEASE

NEUROMUSCULAR DISEASES

Muscular Dystrophy Association (423) 855-0645 2115 CHATMAN RD., STE. 163, CHATTANOOGA 37421 Provides educational material and public awareness to the public. Various fund raisers are held to support research and patient services. Muscular Dystrophy Support Group 1-865-588-1632 7051 MCCUTCHEON RD., CHATTANOOGA 37421 A support group for families, patients and friends of persons with muscular dystrophy. The group meets to share information, concerns and ideas of mutual interest at Country Suites by Carlson. Phone for more information.

HEALTH SERVICES

Mid South National Multiple Sclerosis Society (615) 269-9055 or 1-800-344-4867 4219 HILLSBORO RD., STE. 306, NASHVILLE 37215 www.nationalmssociety.org Provides public awareness and education about MS. Assists persons with MS in transportation, medical equipment and daily living aids. Call for various support group times and locations. NUTRITION

American Heart Association (423) 668-4900 519 E 4TH ST., CHATTANOOGA 37403 Provides information and educational programs to health care professionals, schools, work sites and community groups that are focused on reducing the risk of heart disease. Programs concentrate on nutrition, high blood pressure, smoking and exercise to reduce heart disease and stroke. American Institute for Cancer Research 1-800-843-8114 1759 R STREET NW, WASHINGTON, D.C. 20009 Nutrition Hotline staffed by professional dieticians. Focuses on the link between diet, nutrition and cancer. American Diatetic Association 1-800-877-1600 www.eatright.org Offers public education campaigns, a national consumer nutrition hot line and a nutrition information center that collaborates with industry on food and nutrition projects. 82

Older Adults™…the Resource Guide

National Parkinson’s Foundation 1-800-327-4545 www.parkinsons.org Support group for individuals and their families. Offers education, research resources and other programs. SLEEP DISORDERS

Parkridge Medical Center - East (423) 499-2088 SLEEP DISORDER CENTER, 941 SPRINGCREEK RD., CHATTANOOGA 37412 Evaluation and treatment of snoring, sleep apnea, excessive sleeping, insomnia and related problems.

Erlanger North Hospital (423) 778-3316 SLEEP DISORDER CENTER, 628 MORRISON SPRINGS RD., SUITE 300, CHATTANOOGA 37415 (423) 495-7378 MEMORIAL HOSPITAL, EAST MEDICAL BUILDING, STE. 680, CHATTANOOGA 37404 STROKE

American Heart Association (423) 668-4900 519 E 4TH ST., CHATTANOOGA 37403 Programs concentrate on nutrition, high blood pressure, smoking and exercise to reduce heart disease and stroke. CAREGIVER TIP

Stroke is the leading cause of adult disability and the third leading cause of death in the United States. Unfortunately, most people do not know the warning signs of stroke or seek immediate medical attention when they occur. The warning signs of stroke are:

• • •

• •

Sudden numbness or weakness in the face, arm, or leg, especially on one side of the body;

Sudden confusion or trouble speaking or understanding;

Sudden trouble seeing in one or both eyes;

Sudden trouble walking, dizziness, loss of balance or coordination;

Sudden severe headache with no known cause. Southeast Tennessee Edition 2010

❂ Is staying at home the healthiest or best

financial alternative? Here are questions for consideration and a worksheet to help you decide. CONSIDERATIONS

Handy forms and guides in this section:

• 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 banking services, groceries and medicine? • How do you get to church, shopping and doctor’s appointments? • Are you afraid of falling?

Property taxes

Home insurance

At Home

Retirement Community or Senior Apt.

$ ________

$ ________

$ ________

$ ________

$ ________

$ ________

Condo or association fee

$ ________

$ ________

General home repairs

$ ________

$ ________

Air conditioning/heat

Water

Mortgage or rent

Maintenance

$ ________

$ ________

Accessibility repairs

$ ________

Lawn care

$ ________

Trash removal/recycling

Household chores

Painting

$ ________

$ ________

$ ________

$ ________

$ ________

$ ________

$ ________

$ ________

$ ________

Security system

$ ________

$ ________

$ ________

$ ________

Emergency response system

$ ________

$ ________

Medication reminders

$ ________ $ ________

$ ________

Cable TV

$ ________

TOTAL

$ ________

Health club fee/exercise programs $ ________

Southeast Tennessee Edition 2010

Housing Resources East Ridge Retirement Center . . . . . . . . . . .85 Elmcroft of Hamilton Place . . . . . . . . . . . . .84 Hickory Valley . . . . . . . . . . . . . . . . . . . . . . . .7 Morning Pointe Assisted Living Morning Pointe of Athens, The Lantern at Morning Pointe, Morning Pointe of Greenbriar Cove, Morning Pointe of Chattanooga, Morning Pointe of Hixson . . . . . . . . . . . . .5

Spread th e word! Tell them you saw it in ...

Older Adults. CAREGIVER TIP

$ ________

Car or bus expenses/insurance

Moving You Elder in With You: Practical Tips and Suggestions . . . . . . . . . . . . . . . .93

$ ________

Groceries

Laundry

Nursing Home Checklist . . . . . . . . . . . . . . .92

$ ________

$ ________

Personal

Is Nursing Home Placement the Correct Decision Chart . . . . . . . . . . . . . .86

$ ________

Cleaning

Exterminating

Is Staying at Home the Healthiest or Best Financial Alternative Chart . . . . . . .83

Advertisers who offer services that pertain to this section:

MONTHLY EXPENSES

Major Household

Housing & Skilled Health Care Facilities

$ ________ $ ________

$ ________

$ ________

$ ________

Moving a loved one into a nursing home is an act of love, not a denial of duty. Many older adults who have lived in isolation for a long time find new friends and new experiences to keep connected with life once they become residents. Additionally, the very frail often significantly improve with regular medical care and a healthy nutrition program.

$ ________

www.setaaad.org

Older Adults™…the Resource Guide

83

Housing Options

There are many housing and living choices. Many apartments have been built especially for older persons. Some apartment houses may be the site of a senior center or congregate meals. Others have transportation and outreach programs with a nearby senior center.

METROPOLITAN HOUSING AUTHORITY

Chattanooga Housing Authority (423) 752-4893 801 N. HOLTZCLAW AVE., CHATTANOOGA 37406 Applications for residency may be made at any one of the 18 public housing sites.

INFORMATION & REFERRAL

211 Call Center

(423) 265-8000 or 211

Housing Info Line (423) 267-5223 1301 MARKET ST., STE. 100, CHATTANOOGA 37402 www.housinginfoline.com Specialized information and referral service for those who currently own homes or rent. Will discuss and answer housing related questions. OMBUDSMAN

Long Term Care Ombudsman (423) 755-2877 225 EAST 8TH ST., P. O. BOX 11398, CHATTANOOGA 37401 Designed to respond to the needs and issues of elderly residents and potential residents of long-term care facilities in ten counties of SE Tennessee. The primary focus is to provide conflict resolution services to the long term care resident and his/her family who have a problem that cannot be resolved without help.

SENIOR HOUSING TERMS

Adult Day Services Community-based group programs designed to address the needs of adults who are not fully physically functional, or cognitively impaired. Such programs can provide much needed respite for caregivers and an outlet for the person who otherwise seldom leaves home. Services include supervision, increased social opportunities with peers, assistance with personal care and other daily living activities.

Adult Board and Care Home A facility (licensed or unlicensed, depending on number of residents) that provides 24-hour supervision of adults. Typically provide a room, three meals a day and limited help with bathing, dressing and transferring.

Alzheimer’s/Dementia Care Unit May be contained within an assisted living community or nursing home. Provides care to individuals with Alzheimer’s disease or other related dementias. Care provided fosters residents’ individual skills and interests in an environment that helps to diminish confusion and agitation. Services provided in a secure environment.

HOUSING OPTIONS

Assisted Living A facility that provides a special combination of residential housing, personalized supportive services and limited (not skilled) health care designed for the individual needs of those requiring help. Services may include assistance with dressing, bathing, meals, transportation, cleaning and medicine management. Facilities provide a wide range of choices from the single family private home to a more extensive apartment style environment.

Continuing Care Communities Residential campuses that provide a "continuum of care" ranging from private independent living units to assisted living and then to skilled nursing care, all in one location. Some guarantee "lifelong residence."

84

Home Care A cost-effective alternative to institutional care. The senior receives health care or personal care services within his/her own home with the assistance of a home care agency. Services may include medical and non-medical care such as assistance with shopping, laundry, meals and companionship. Older Adults™…the Resource Guide

Southeast Tennessee Edition 2010

Retirement Communities A senior community consisting of apartments, single-family homes, condominiums, or mobile homes that are designed to enable independent seniors to enjoy a lifestyle filled with recreational, educational and social activities with their peer group. May provide access to meals, local transportation and planned social activities.

Nursing Homes Generally provide room and board, personal care, protection, supervision and medical care, all of which is licensed and regulated by the State Department of Health. Three levels of care are offered by most facilities and include: (1) Basic Care – required to maintain a resident’s activities of daily living. This includes assistance with personal care, supervision, ambulation and safety. (2) Skilled Care – Requires the services of a registered nurse and/or therapist, on a regular basis, for treatments and procedures. (3) Sub-Acute – Comprehensive Inpatient Care designed for someone who has had an acute illness, injury, or exacerbation of a disease process. NURSING HOME CARE COVERED BY MEDICAID

Medicaid is the major payer for nursing home care in the state of Tennessee. With the high cost of nursing home care, few families can support a loved one in a nursing home on their own for an extended period. Medicare gives coverage only for short-term skilled nursing care, but no coverage at all for nursing home care. Application for Medicaid is in two parts. 1. Medical professionals file an application to see if the patient meets Medicaid’s medical guidelines. In other words, the patient must be "sick enough" to need nursing home care.

2. The patient or family must file a financial application through the Tennessee Department of Human Services in the county where the patient lives. The Southeast Tennessee Area Agency on Aging and Disability at 1-866-836-6678 can give you the number for the office closest to you.

Upon application, the Medicaid worker reviews (1) Income; (2) Assets (also called resources/property); and (3) Transfers of property or assets made during the 3 years before the Medicaid application. The worker will also look at any property the patient holds jointly, including any bank accounts showing the applicant’s name. Some types of income are not counted. Southeast Tennessee Edition 2010

To qualify, the applicant’s income must be less than (1) The amount Medicaid pays for care in a particular nursing home PLUS (2) The patient’s regular monthly medical expenses that are not paid by insurance or other payment sources.

Many people fear that they must give up their home and impoverish their families in order to get Medicaid. This is not true. Medicaid provides protection for the nursing home patient, the spouse and dependents. Medicaid allows the spouse to keep the higher of (1) All income paid in his/her name OR (2) All income paid in his/her name plus as much of the patient’s income as it takes to bring the spouse’s income up to a specified amount. The spouse’s monthly housing costs are also considered.

Assets you can keep because Medicaid does not count them include the following: 1. The home, no matter how much it is worth. Even if no one lives there, its value does not count if the Medicaid applicant expresses a desire to return home. A family member may make this decision also.

2. Property that cannot be sold legally for any reason, i.e. patient is mentally incompetent or property that has been on the market and not sold after several months. 3. One car. 4. Burial funds and spaces.

5. Household goods and personal items, unless there is a collection of great value. (Cont. on Pg. 86)

The move is on to... Staff on duty 24 hours a day ● Weekly housekeeping ● One daily meal included ● Security & monitor system ● Utilities paid, except for cable & telephone ● Transportation ● Chapel ● Planned activities ● Exercise room ● Courtyard with swimming pool ● Activity room with big-screen TV ● Hair salon ● Cozy library nook with fireplace ●

The best value in independent living PLEASE CALL FOR A PERSONAL TOUR

(4 2 3 ) 8 99 -6 37 0

141 7 N. Mack Smith Ro a d East Ridge, Tennesse e Older Adults™…the Resource Guide

85

HOUSING OPTIONS

Hospice Special care designed to provide compassion and support for individuals in the final stages of a terminal illness. Care takes place in a number of settings including the senior’s private home, in a hospice facility, or in a nursing home.

❂ Is nursing home placement the correct

decision? This chart will help you sort out what options are available and affordable. FINANCIAL RESOURCES

Monthly Income (including savings) Social Security income Pension

Union/VA benefits

Interests, annuities Dividends

Other assets

Other Resources

Medicare insurance

Private insurance

Assets

Total Income and Resources

MONTHLY NURSING HOME COST FOR: Skilled care

Personal care Therapies

Pharmacy

Medical equipment/supplies

Other

Total Nursing Home Cost Income/Cost Variance

SERVICES TO ENABLE ONE TO REMAIN AT HOME Availability/Monthly Cost Accessibility remodeling Adult day care

Companionship

Emergency response Friendly visitors

Home chore services

HOUSING OPTIONS

Home delivered meals

In-home personal care In-home skilled care

Telephone reassurance Transportation

Respite care Total

ALTERNATIVE HOUSING ARRANGEMENTS Home remodeling Board and care

Assisted living

Congregate housing Seniors apartment

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Older Adults™…the Resource Guide

Medicaid does count assets belonging to either spouse. To qualify for Medicaid, an unmarried person may have no more than $2000 in countable assets. A married individual may have $2000 in countable assets for himself / herself, but additional assets may be kept by the spouse. To check on current amounts that the spouse of the person applying for Medicaid may keep, contact the local office of the Department of Human Services. You will need to speak with the staff member who is handling Nursing Home Medicaid.

A person with too many assets to qualify for Medicaid may spend down these assets, using the funds for approved expenses / purchases. There are penalties for giving away or selling assets at less tan a fair price if there has not been a three-year period in between the sale /gift of the asset and the Medicaid application. For up-to-date information regarding spend down of assets or rules regarding transferring assets, contact the local office of the Department of Human Services and speak with the staff member who is handling Nursing Home Medicaid.

Important to remember is the fact that the state does have the right to take assets later as repayment for money spent on the patient’s care. This may occur after the patient’s death. However, the state will not try to take the home for repayment if a spouse or disabled child lives there. Estate recovery efforts will not take place until after the death of the patient, spouse or any disabled child. NURSING HOME CARE COVERED BY MEDICARE

Medicare Part A may pay for inpatient skilled nursing care in a Medicare-certified skilled nursing facility (SNF) or a rehabilitation facility if the beneficiary's medical condition requires daily skilled nursing care or rehabilitative services. Medicare's skilled nursing care coverage is very limited and restricted.

Medicare Payment Conditions Medicare requires the following conditions to be met before a skilled nursing facility payment is made: 1. The provider must be a Medicare-certified skilled nursing facility. Many facilities either do not participate in Medicare or have a limited number of Medicarecertified beds.

2. The patient’s bed must be a Medicare-certified bed in the Medicare-certified skilled nursing facility.

3. The beneficiary’s physician must certify and prescribe a skilled level of nursing care. The individual must need and receive a skilled level of nursing care. (All skilled care is NOT reimbursed by Medicare.)

4. The patient must have a minimum three-day prior hospital stay for the same illness.

Southeast Tennessee Edition 2010

Before assets have been spent down, make sure you have purchased a funeral insurance plan. See Estate Planning.

5. The patient must be admitted to a skilled nursing facility within 30 days of discharge from the hospital. The patient must also be admitted to the skilled nursing facility with the same diagnosis as the prior hospitalization.

6. The individual must be capable of showing improvement.

Note: Medicare strictly adheres to these requirements. Usually the skilled nursing care facility will know whether the patient's illness or treatment plan will qualify for Medicare reimbursement. However, claims can be denied unexpectedly. The beneficiary should have a thorough understanding of his/her financial responsibility in the event Medicare should deny the skilled nursing care claim. Medicare Covered Skilled Nursing Facility (SNF) Days Medicare Part A may reimburse up to 100 days per benefit period. Inpatient Days 1 – 20 Medicare pays 100 percent of approved services

lnpatient Days 21 – 100 Medicare pays 80% of approved services with 20% paid by assets or supplemental insurance.

The 100-day benefit period is renewable by remaining out of the skilled nursing facility for 60 consecutive days. However, the beneficiary must meet all of the payment conditions again. The Prospective Payment System is used to determine Skilled Nursing Facility reimbursement under Medicare Part A.

Services Covered During a Skilled Nursing Facility Stay • Semi-private room • All meals (including special diets) • Regular nursing services • Rehabilitation services such as physical, occupational and speech therapy • Drugs and medications furnished during the stay • Use of Medical equipment and supplies furnished by the skilled nursing facility

NURSING HOME DATABASE

The Federal government keeps a database of the over 17,000 nursing homes in the United States. Information is available on 10 quality indicators, examining such things as the prevalence of physical restraints at a facility and the percentage of residents who have bed sores. Also available is information found during annual inspections, such as deficiencies and complaint investigation.

The information can be accessed by calling 1-800MEDICARE, or by visiting the government’s web site, www.medicare.gov.

Services NOT Covered During a Skilled Nursing Facility Stay • Personal convenience items such as a television • Extra charges for a private room unless it is medically necessary • Physicians’ services or other Medicare Part B covered medical services

Levels of Nursing Care Skilled Nursing Care must be ordered and include a plan of treatment established by a Skilled Nursing Facility and approved by a physician. The services provided must be performed by or under the supervision of licensed nursing personnel. Skilled level care requires daily involvement of skilled nursing (usually 24-hour nursing care) or rehabilitation staff. This is the only level of nursing care reimbursed by Medicare.

IMPORTANT NOTE: A beneficiary may be receiving regular skilled care; however, it may not be considered Medicare skilled care. For Medicare to consider a skilled nursing facility stay the patient’s condition must be improving.

Custodial Nursing Care (personal care) is primarily for the purpose of meeting the beneficiary’s personal needs (activities of daily living). Custodial nursing care services do not require a licensed medical professional. Medicare does not pay for this level of care.

CAREGIVER TIP

Many older adults who have lived in isolation for a long time find new friends and new experiences to keep connected once they become residents in adult housing facilities. Transportation for groceries and doctors’ appointments are arranged as well as regular social activities and outings. Southeast Tennessee Edition 2010

TAKE NOTE

Chore services are cleaning beyond normal homemaking and includes heavy duty tasks such as window washing or floor cleaning, yard work and pest control, and other types of home maintenance. Older Adults™…the Resource Guide

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HOUSING OPTIONS

TAKE NOTE

Independent Living and Apartment Complexes

Alexian Grove (423) 825-5557 100 ASBURY OAK LN., CHATTANOOGA alexianbrotherssoutheast.com

Eastwood Manor (423) 622-5761 3831 WILCOX BLVD., BLDG. 4, CHATTANOOGA 37411

Alexian Village of Tennessee (423) 886-0100 100 JAMES BLVD., SIGNAL MOUNTAIN

Garden Plaza at Cleveland (423) 479-4447 3500 KEITH ST. NORTHWEST, CLEVELAND 37312

Caldsted (423) 624-9906 3701 CHERRYTON DR., CHATTANOOGA 37411

Hickory Valley Retirement Community (423) 855-0508 6705 BALLARD DR., CHATTANOOGA 37421

Creekside at Shallowford (423) 485-9933 7511 SHALLOWFORD RD., CHATTANOOGA 37421 nhccare.com East Ridge Retirement Center (423) 899-6370 1417 NORTH MACK SMITH RD., EAST RIDGE 37412 www.eastridgeretirementcenter.com

Independent Healthcare Properties (423) 756-1230 736 GEORGIA AVE., CHATTANOOGA 37402 John Calvin Presbyterian Apts (423) 877-4324 364 NORTHGATE MALL DR., HIXSON 37343 Meadowood Apartments (931) 592-9628 14252 US HWY. 41, TRACY CITY 37387 Morning Pointe at Greenbriar Cove (423) 396-6999 9650 LEYLAND DR., COLLEGEDALE 37363

NAPFE Chatt Elderly Tower (423) 344-8361 5465 HIGHWAY 58, CHATTANOOGA 37416

Parkwood Retirement Apartments (423) 624-1533 2700A PARKWOOD AVE., CHATTANOOGA 37404-1747

Regency House Assisted Living (423) 870-0050 2062 HAMILL RD., HIXSON 37343

St. Elmo Court Apartments (423) 825-5000 4625 ST. ELMO AVE., CHATTANOOGA 37409

Standafer Place Assisted Living (423) 490-2280 2636 WALKER RD., CHATTANOOGA 37421

Summit View (423) 875-6723 825 RUNYAN DR., CHATTANOOGA 37405 Terrace At Mountain Creek (423) 874-0200 1005 MOUNTAIN CREEK RD., CHATTANOOGA 37405

Home Improvement & Chore Services

Many neighborhood organizations assist with minor housing repair needs.

HOUSING OPTIONS

Chattanooga Neighborhood Enterprise, Inc. (423) 756-6201 1301 MARKET ST., STE. 100, CHATTANOOGA 37402 Offers house repair, rehabilitation and revitalization of neighborhoods through low interest loans to those who meet income requirements.

Hope for Chattanooga (423) 698-4733 1800 ROANOKE AVE., CHATTANOOGA 37406 www.hope4.org Home repair for the elderly or others in need. Focus is on Glenwood and surrounding urban areas. TAKE NOTE Some nursing home residents have frail bodies but very alert minds. Other residents may not be able to process numbers to play bingo, but enjoy trips to a park or to see Christmas decorations. Study the activities schedule to make sure your loved one will have access to the types of activities he or she will enjoy and look forward to each day. 88

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Southeast Tennessee Human Resource Agency (423) 949-2191 PO BOX 909, DUNLAP 37327 The U.S. Dept. of Energy’s Weatherization Assistance program is the nation’s core program for delivering energy efficiency services to low-income households. Professionally trained weatherization crews perform on-site home energy audits using state of the art equipment to identify outside drafts and inspect heating and cooling systems for efficiency. Weatherization crews install insulation, seal off air leaks, make modifications to (or replace) existing heating systems and make minor repairs to ensure safety. Once installed, these energy saving measures will help to reduce your heating and cooling costs for years to come. Summitt Group, Inc. (423) 893-9121 737 MARKET ST., STE. 720, CHATTANOOGA 37402 Widow’s Harvest Ministry (423) 266-0260 PO BOX 2307, CHATTANOOGA 37409 www.widows.org Volunteers assist widows with home repairs, appliance repair, yard work and similar activities when there are no other resources to accomplish these tasks.

Southeast Tennessee Edition 2010

Reverse Mortgage Loans

The most popular form of Reverse Mortgage is the Home Equity Conversion Mortgage (HECM) which is the one described here. The HECM loan is done through private lenders who compete for your business, but these loans are backed 100% by the Federal Government through the Department of Housing and Urban Development (HUD).

How Much Can I Borrow? The following chart gives examples of the amount of money available at an interest rate of 3.97%. The interest rate in the discussion here is variable monthly (a slightly higher, variable yearly rate is also offered); the lower the interest rate, the more money that will be available to the homeowner. Maximum Claim Amount* $213,750 140,000 85,000

$213,750 140,000 85,000

Tenure Monthly Payment (by age) 65 75 85 $676 448 251

$913 582 332

Line of Credit or Cash Advance by Age $111,916 75,668 42,533

$133,947 85,346 48,801

$1,417 910 530

$157,002 100,879 56,724

There are several choices for taking the money available; a line of credit, a monthly payment for life (“tenure”) for a specified period, or any combination of these methods. Notice that the older you are, the greater the amount available. * The Maximum Claim Amount is either the FHA lending limit in the County, or your home value, whichever is less. PROS AND CONS OF REVERSE MORTGAGES

Pros Include: • A free educational session conducted by a trained counselor is required before you enroll with a lender. CAREGIVER TIP

More than half the seniors who apply for reverse mortgages are eligible for Supplemental Social Security. Income received from reverse mortgages does not affect Social Security or Medicare. Since these payments are considered a loan, they do not affect Medicaid eligibility requirements. Southeast Tennessee Edition 2010

TAKE NOTE

The best way to compare the cost of reverse mortgage loans is to use the Total Annual Loan Cost (TALC) rates that federal Truthin-Lending law requires lenders to disclose to you. TALC rates are generally largest in the beginning years and decrease over time.

• A “low” interest rate applies and accumulates only on the funds borrowed so far. • No monthly mortgage payments. • 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). • If you are receiving public benefits (such as SSI or Food Stamps), Reverse Mortgage proceeds can be managed in 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 this loan is costly if you move out of the home soon. • Required repairs must be less than 15% of the home value (if repair needs are greater, other programs may help - ask your counselor). • Any existing mortgage must be paid off, so if existing debt is too large, the Reverse Mortgage might not provide enough money to do so.

More Questions? For more information, visit the Internet at www.aarp.org, or call the Housing Counseling Clearinghouse listed below. HUD-APPROVED REVERSE MORTGAGE LOANS

To be eligible for a HUD reverse mortgage, HUD's Federal Housing Administration (FHA) requires that the borrower is a homeowner, 62 years of age or older; own the home outright or have a low mortgage balance that can be paid off at the closing with proceeds from the reverse loan; and must live in the home. You are further required to receive consumer information from HUDapproved counseling sources prior to obtaining the loan.

Contact the Housing Counseling Clearinghouse at 1-800-569-4287 to obtain the name and telephone number of a HUD-approved counseling agency and a list of FHA approved lenders within your area.

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Older Adults™…the Resource Guide

89

HOUSING OPTIONS

Reverse mortgage loans enable persons age 62+ to get cash (a loan) that is not paid back until you move out of your home, no matter how long it turns out to be. This loan relies only on home equity, so advanced age, low income, and even bad credit (except debt to the Federal Government), does not prevent this loan from going through.

Assisted Living Facilities by County BRADLEY COUNTY

Claire Bridge (423) 473-7300 1775 MT. VERNON DR. NW, CLEVELAND 37311 Garden Plaza at Cleveland (423) 479-4447 3500 KEITH ST. NW, CLEVELAND 37312 Morningside of Cleveland (423) 614-5424 2900 WESTSIDE DR. NW, CLEVELAND 37312 Wellington Place of Cleveland (423) 479-8899 2745 EXECUTIVE PARK DR., CLEVELAND 37312 HAMILTON COUNTY

Alexian Brothers Valley Residence (423) 875-6110 1164 MOUNTAIN CREEK RD., CHATTANOOGA 37405 Alexian Inn (423) 886-0100 or 1-800-251-4600 100 JAMES BLVD., SIGNAL MTN. 37377 Carestone At Chattanooga (423) 899-8133 7127 LEE HWY., CHATTANOOGA 37421 Elmcroft of Hamilton Place (423) 485-9496 1502 GUNBARREL RD., CHATTANOOGA 37421

Hickory Valley Retirement Community (423) 855-0508 6705 BALLARD DR., CHATTANOOGA 37421

Manorhouse Assisted Living (423) 870-5900 1148 MOUNTAIN CREEK RD., CHATTANOOGA 37405

Martin-Boyd Christian Home (423) 892-1020 6845 STANDIFER GAP RD., CHATTANOOGA 37421 Morning Pointe of Chattanooga (423) 296-0097 7620 SHALLOWFORD RD., CHATTANOOGA 37421

Morning Pointe at Greenbriar Cove (423) 396-6999 9650 LEYLAND DR., COLLEGEDALE 37363 Morning Pointe of Hixson (423) 847-1370 5501 OLD HIXSON PK., HIXSON 37343

Paragon Assisted Living (423) 267-3453 908 EAST MLK BLVD., CHATTANOOGA 37403 Regency House Assisted Living (423) 870-0050 2062 HAMILL RD., HIXSON 37343

St. Barnabas Assisted Living (423) 847-4600 300 W. 6TH ST., CHATTANOOGA 37402

Summit View (423) 875-6723 825 RUNYAN DR., CHATTANOOGA 37405

The Lantern at Morning Pointe (423) 396-4700 9300 MESSINGER LN., OOLTEWAH 37363

The Terrace at Mountain Creek (423) 874-0200 1005 MOUNTAIN CREEK, CHATTANOOGA 37405 Wellington Place of Hixson (423) 877-8771 4515 HIXSON PIKE, HIXSON 37343 MARION COUNTY

Valley View Assisted Living (423) 658-0100 101 NORTH MAPLE ST., WHITWELL 37397 MCMINN COUNTY

Morning Pointe of Athens (423) 745-0608 1025 CRESTWAY DR., ATHENS 37303 Wellington Place of Athens (423) 744-7272 120 KEITH LN., ATHENS 37303 RETIREMENT HOMES

Friendship Haven (423) 629-2847 950 DODSON AVE., CHATTANOOGA 37406 Rose of Sharon Senior Villa (423) 822-7673 5410 LEE AVE., CHATTANOOGA 37410

Nursing Facilities/Nursing Homes

HOUSING OPTIONS

See also Adult Day Care, Home Health and Respite.

Nursing facilities should never be considered the “last step” for patients. If someone requires constant supervision and there is no one to provide this care, nursing facilities can provide temporary respite and support. There are many assisted living alternatives. A person does not necessarily need to move into a nursing facility simply because he or she is having health problems or can’t manage to live independently at home. Options depend upon the duration and type of services required as well as the level of care that can be afforded. Nursing facilities may be owned and operated by a governmental unit such as the county or state, a philanthropic or non-profit organization such as a church or 90

Older Adults™…the Resource Guide

religious organization, or a proprietary, for-profit corporation, family or individual. Philanthropic nursing facilities are not necessarily less expensive than proprietary nursing facilities. Many facilities have waiting lists.

Family members may feel frustrated or guilty about not being able to personally care for a parent or other close older adult. Nursing home administrators, religious and health care professionals, and the Long Term Care Ombudsman can provide helpful perspectives.

If Nursing Home Placement is the Appropriate Option. . .To make the transition most effectively, a prospective resident, the family and physician must be involved in the decision-making process. • Encourage as much independent decision-making as possible by the prospective resident.

Southeast Tennessee Edition 2010

• Move as many personal effects as possible into the room to foster familiarity and comfort. • Assure the person that a family member is always reachable by phone. GRIEVANCE RESOURCES

Long Term Care Ombudsman

(423) 755-2877

225 EAST 8TH ST., PO BOX 11398, CHATTANOOGA 37401 Designed to respond to the needs and issues of elderly residents and potential residents of long-term care facilities in ten counties of Southeast Tennessee. The primary focus of the program is to provide conflict resolution services to the long term care resident (and their family) who has a problem that cannot be resolved without help.

Nursing Home Facilities by County Bledsoe County Nursing Home (423) 447-6811 107 WHEELERTOWN AVE., PIKEVILLE 37367 BRADLEY COUNTY

Bradley Healthcare & Rehabilitation Center (423) 472-7116 2910 PEERLESS RD. NW, CLEVELAND 37312 Cleveland Care & Rehabilitation Ctr. (423) 476-4444 2750 EXECUTIVE PARK PL., CLEVELAND 37312 Life Care Center of Cleveland (423) 476-3254 3530 KEITH STREET NW, CLEVELAND 37312 GRUNDY COUNTY

Monteagle Care & Rehabilitation Ctr. (931) 924-2041 26 2ND ST., MONTEAGLE 37356 HAMILTON COUNTY

Alexian Health Care Center (423) 886-0338 100 JAMES BLVD., SIGNAL MOUNTAIN 37377 The Davis Home 1106 DUNCAN AVE., CHATTANOOGA 37404 (423) 697-0733 4627-4629 KIRKLAND AVE., CHATTANOOGA 37410 (423) 825-5210 Health Center at Standifer Place (423) 490-1599 2626 WALKER RD., CHATTANOOGA 37421

Life Care Center of Chattanooga (423) 698-5494 455 NORTH HIGHLAND PARK AVE., CHATTANOOGA 37404 Southeast Tennessee Edition 2010

Life Care Center of Collegedale (423) 396-2182 P.O. BOX 658, 9210 APISON PIKE, 37315

Life Care Center of East Ridge (423) 894-1254 1500 FINCHER AVE., EAST RIDGE 37412

Life Care Center of Missionary Ridge (423) 622-4301 708 DWIGHT AVE., CHATTANOOGA 37406

Life Care Center of Red Bank (423) 877-1155 1020 RUNYAN DR., CHATTANOOGA 37405

NHC Healthcare, Chattanooga (423) 624-1533 2700 PARKWOOD AVE., CHATTANOOGA 37404

Soddy Daisy Health Care Center (423) 332-0060 701 SEQUOYAH RD., SODDY DAISY 37379

St. Barnabas Nursing Home (423) 847-4100 950 SISKIN DR., CHATTANOOGA 37403

MCMINN COUNTY

Etowah Health Care Center (423) 263-1138 409 GRADY RD., BOX 957, ETOWAH 37331 Life Care Center of Athens (423) 745-8181 BOX 786, 1234 FRYE ST., ATHENS 37303 McMinn Memorial Nursing Home (423) 263-3646 886 HIGHWAY 411 NORTH, ETOWAH 37331 NHC Healthcare, Athens (423) 745-0434 1204 FRYE ST., ATHENS 37303 MEIGS COUNTY

Brookewood Nursing Center, Inc. (423) 334-3002 332 RIVER RD., DECATUR 37322 POLK COUNTY

The Stratford House (423) 892-1716 8249 STANDIFER GAP RD., CHATTANOOGA 37421

Life Care Center of Copper Basin (423) 496-3245 166 COPPER BASIN INDUSTRIAL PARK, PO BOX 518, DUCKTON 37326

MARION COUNTY

Rivermont Care and Rehabilitation Center (423) 837-7981 201 EAST 10TH ST., SOUTH PITTSBURG 37380 Home Sweet Home

HOUSING OPTIONS

BLEDSOE COUNTY

RHEA COUNTY

Laurelbrook Nursing Home (423) 775-0771 200 SANITARIUM CIR., DAYTON 37321 Spring City Care and Rehabilitation Center (423) 365-4355 331 HINCH ST., SPRING CITY 37381 SEQUATCHIE COUNTY

NHC Healthcare, Sequatchie (423) 949-4651 360 DELL TRAIL, DUNLAP 37327 Older Adults™…the Resource Guide

91

❂ Nursing Home Checklist

WHAT TO LOOK FOR WHEN COMPARING FACILITIES Is the latest Department of Health survey posted?

Facility:

A

B

C

Are residents rights posted? Information on contacting the ombudsman posted? Are there outdoor areas for residents to use?

Is facility clean and free of odors?

Is the atmosphere pleasant: do lighting and noise levels fit current activities?

Are residents dressed in clean clothing appropriate for season and time of day? Do staff seem to know residents by name and treat them with respect?

Do staff respond quickly to resident calls for assistance?

Is there a private area for residents to visit with family or friends?

Are there private telephones available for resident use?

Are there privacy curtains around beds? Are they clean and in good condition? Do resident rooms have personal items (family pictures, etc)?

Is dining room cheerful and clean? Do meals appear appetizing?

Are residents eating most of their food? Are they receiving assistance if needed?

Do residents have drinking water available at bedside?

Are appropriate activities available to all residents? Those with special needs?

Do residents seem to be engaged in meaningful activities either by themselves or with others?

Are residents slumped over in chairs, staring at the wall, isolated or in a row watching television? Are their residents in physical restraints (seat belts, vest restraints, side rails, chairs with tray)? QUESTIONS TO ASK STAFF Are smokers and non-smokers accommodated? Inside or outside?

Is there permanent assignment of staff to residents?

What is the employee turnover rate? Do employees receive health benefits?

Of the staff working today, how many are from an outside agency?

How are nurse aides screened and trained?

Do the quarterly care planning meetings accommodate family schedules? HOUSING OPTIONS

Do various staff and professionals who care for patients participate in evaluating resident needs? Are nursing assistants included in this process?

Is there a full-time director of activities?

Does the facility offer therapies such as physical, speech or occupational therapy?

Does the facility advertise special care units such as Alzheimer’s or rehab units?

What services or level of staff training make the special unit different from others?

How does the facility deal with missing clothing or other personal items such as dentures, eyeglasses, etc.?

Under what circumstances must residents change rooms (payment source, change in condition (Alzheimer’s), when Medicare days exhausted)?

How are resident complaints handled?

Does the facility have an active residents’ council? An active family council?

Does the ombudsman visit this facility regularly? Any volunteer ombudsman? 92

Older Adults™…the Resource Guide

Southeast Tennessee Edition 2010

❂ Moving Your Elder in With You: Practical Tips and Suggestions

Emotional Issues: In order for this new arrangement to work, you and your elder must examine your relationships with each other. Even if you are blessed with loving and caring relationships, you must determine if you can live together. By honestly answering the following questions, you will be on your way to determining if you should consider the move. ❏ Have you had a relationship that has been open and honest? ❏ Have you been able to settle past differences? ❏ Are there any unresolved issues? Living Arrangements: After you determine that you are emotionally ready to make the move, you must examine the living arrangements. ❏ Is there enough room in your home for everyone to live comfortably? ❏ Do any minor or major changes need to be made to accommodate any disabilities or mobility problems your parent or relative may have? ❏ Have you reviewed the home for safety traps and potential problems? ❏ Are you taking into account all privacy issues? ❏ What, if any, furniture will your relative bring with him or her? ❏ If your elder has Alzheimer’s Disease or other form of dementia, will wandering be a problem? Should doors and windows always be secured? ❏ Can you identify "Danger Zones" that should be restricted? ❏ Can you identify "Safe Zones" where your elder is free to wander and explore? ❏ Are there areas of the home where family members can separate themselves from the stresses of caregiving? Relationship Changes: Role changes may be one of the hardest factors to deal with. ❏ Are you prepared for role reversals that may occur? For example, your elder may no longer feel like the "parent." ❏ Are you prepared to make rules that may not always be warmly received by your elder? Southeast Tennessee Edition 2010

When you consider all the lifestyle adjustments, role changes and changes in relationships that will ultimately occur by having your elder move in with you, the prospect may seem daunting. So, before you make a quick decision, it is important to look at all the issues facing everyone involved. Financial Caregiving: As you take on more responsibility for your elder’s well-being, you may find yourself managing her financial affairs. This is a doubly challenging responsibility since it presents the additional burden of spending time writing out bills, balancing accounts and managing investments. It also may require you to delve into very private matters that parents and relatives rarely share with their children. ❏ Have you considered automatic payment of recurring bills? ❏ Do all siblings understand and participate in the financial matters? ❏ Have you researched low-cost or free assistance services? ❏ Do you regularly meet with other family members to agree on new expenditures or to keep them apprised of accounts? ❏ Have you discussed responsibility for out-of-pocket expenses with your siblings and your elder? Assistance: Another important issue to resolve is whether your elder will need assistance during the day. This is especially important if the rest of your family works or goes to school outside the home. ❏ If assistance is required, what arrangements can be made? ❏ If your parent requires no daily assistance, will you be able to take off from work to take him to appointments or care for her when she is ill?

HOUSING OPTIONS

If you are considering having your elderly parent or relative move into your home, you are not alone. According to Business Week, 22 percent of seniors are expecting to move in with their kids and 54 percent of baby boomers are expecting their parents to move in with them.

Emotional Space: The biggest complaints people have when they take on this responsibility is that they have no time: they’re exhausted and they do not get enough sleep. This is especially true for those who care for parents or relatives with special needs such as those with Alzheimer’s Disease or other dementia. Family Consent/Approval ❏ Have you discussed issues regarding caring for your elder with other family members? ❏ Have you discussed the move with your siblings and other relatives of your elder?

Older Adults™…the Resource Guide

93

Index 2010 Medicare Premiums and Deductibles .....................................57

A

55 Alive ..................................38 AARP ..............13, 36, 38, 40, 42 Absentee Voting ..............................42 Adaptive Devices .............................73 Adult Board and Care Home ..........84 Adult Day Care................................54 Adult Day Services..........................84 Adult Protective Services ...............50 Advance Care Plan ..........................45 Advance Directives .........................44 Advocacy, Legal & Self Empowerment......................42 Aging Websites ...............................16 Aid & Assist At Home, Inc. .....9, 70 AIDS/HIV ........................................79 Alcohol ............................................79 Alcohol & Drug Abuse Services .....79 Alzheimer’s Association – NE/SE Tennessee Chapter...........54 Alzheimer’s Disease ........................79 Alzheimer’s Services.......................54 Alzheimer’s/Dementia Care Unit ...84 Amara Home Care, Inc......1, 54, 71 American Red Cross ...........15, 40, 50 American Yoga Association ............78 Americans with Disabilities Act .....77 Apartment Complexes ....................88 Appointment of Health Care Agent ...................................47 Area agencies on Aging ..................12 Arthritis/Lupus ...............................79 Assisted Living................................84 Assisted Living Facilities by County.....................................90

B

Bereavement/Widow Support ...............................52 Better Business Bureau..................38 Birth Certificates ............................42 Birthday/Anniversary Greetings.....52 Bledsoe Senior Activity Center ......14 BlueCross BlueShield of Tennessee ..59, Inside Back Cover Bradley/Cleveland Community Services ...................51 94

Older Adults™…the Resource Guide

Bradley/Cleveland Senior Activity Center.............................14 BrightStar of Greater Chattanooga ............9, 52, 54, 71

Crime Stoppers...............................38 Crime Victoms’ Compensation Fund/Tennessee ...........................38 Crisis Intervention .........................50

Cancer Society.......................79 Caregiver Emergency Help Guide.....................................2 Caregiver’s Checklist for Planning Ahead............................56 Caring for Good Nutrition .............13 CARTA (Chattanooga Area Regional Transportation Authority) ...........15 CARTA Care–A–Van ........................15 Case Management...........................69 Catalogs with Disabilities Products....................77 Catholic Charities.....................40, 53 Center for Community Career Education.........................41 Chattanooga Association-Blind.........................75 Chattanooga Bar Association .........39 Chattanooga Department of Human Services ......................51 Chattanooga Funeral Home, Crematory and Florist ........44, 73 Chattanooga Goodwill Industries ..41 Chattanooga-Hamilton County Bicentennial Library.................37 Chattanooga Housing Authority....84 Chattanooga Human Services..13, 52 Chattanooga Regional History Museum ..........................37 Chattanooga Rescue Mission .........51 Chore Services................................88 Clinical Nurse Specialists...............69 Community Support ......................50 Companionship ..............................52 Congregate Meal Sites....................14 Conservatorship..............................40 Consumer Affairs............................38 Consumer Help...............................38 CONTACT of Chattanooga, Inc. .....13 CONTACT of McMinn, Meigs and Monroe, Inc. .........................13 Continuing Care Communities......84 Credit Counseling...........................39

D & S Residential Services ......................7, 71 Departments of Human Services ...60 Diabetes Association.......................80 Disability & Rehabilitation Services........................................74 Discharge Planner ..........................69 Discount Pharmacies/ Pharmacy Services ......................36 Discount Programs.........................36 Do’s and Don’ts of 911......................5 Driving Education ..........................38 Drug & Poison ................................80 Durable General Power of Attorney ...................................40 Durable Power of Attorney for Healthcare ....................40

C

D

E

East Ridge Retirement Center .............85, 88 Education and Leisure ...................37 Elder Abuse and Neglect ................50 Eldercare Locator ...........................13 Elderhostel......................................37 Elected Representatives .................42 Elmcroft of Hamilton Place ..................84, 90 Emergency Assistance....................50 Emergency Response Systems.......74 Emergency Shelters .......................50 Employment ...................................41 Epilepsy Foundation of SE Tennessee ...........................80 Estate Planning ..............................39 Etowah Congregate Nutrition Site .....................14

F

Family Caregiver Support Program...................12, 32 Family Support Services ................53 Federal Information Center ...........38 Food Stamps ...................................51 Funeral Preplanning ......................44 Southeast Tennessee Edition 2010

G

Gruetli Laager Senior Center .....................14 Guardian Home Care..............70-71 Guardianship.........................40

H

Hamilton County Social Services.......................13, 51 Handicapped Parking Permits .......16 Health Care Insurance ...................58 Health-Related Agencies & Services ....................................79 HealthSpring .........................59-60 Heart Association ...........................80 Hickory Valley Retirement Community ...................7, 88, 90 Holistic Health and Wellness Programs ......................78 Home and Community Based Services .............................12 Home Care......................................84 Home Delivered Meals Program.................12, 15, 26 Home Health Agency Comparison.....................65 Home Health Aide ..........................69 Home Health Care Providers .........70 Home Health Services....................67 Home Improvement .......................88 Home Infusion Therapies...............69 Home Safety Checklist ...................48 Home Sweet Home: Staying at Home as Long as Possible ...........24 Homemaker Program...............12, 29 Homemaker/Personal Care Service.................................70 Hospice ...........................................85 Hospice Care...................................72 Hospice of Chattanooga ...53, 72-73 Hospital Health Care Systems .......66 Hospital Membership Programs ....66 Housing Info Line ..........................84 Housing Options ............................84 How to Communicate Your Loved One’s Symptoms Regarding Well Being, Pain and More..........43 Humana MarketPOINT .........58, 60 Huntington’s Disease .....................80 Southeast Tennessee Edition 2010

Index

I

Identity Theft and Fraud.......60 Important Documents Checklist ........................................7 In-Home Support Services - Non-Medical................71 Independent Living ........................88 Independent/Assisted Living Comparison Checklist ...................4 Information and Referral ...............12 Interfaith Senior Services ..............15 Internal Revenue Service ..............39 Is Nursing Home Placement the Correct Decision?..................86 Is Staying at Home the Healthiest or Best Financial Alternative? . . 86

J-K

Jewish Comm Federation of Greater Chattanooga..13 Joint Tenancy..................................39 Kidney Foundation...................15, 80

L

Lantern at Morning Pointe ...........5, 90 Leadership Academy.......................37 Legal Aid of East Tennessee ...........42 Legal Records .................................42 Legal Resources..............................42 Leukemia & Lymphoma Society....80 Library Services for the Blind and Physically Handicapped........76 Living Trust ....................................39 Long Term Care Insurance ............61 Long Term Care Insurance Comparison Checklist .................63 Long Term Care Ombudsman..84, 91 Low Income Home Energy Assistance Program .....................52 Lung Association ............................82

M

Marriage Certificates.............42 Mary Walker Center ..............14 McMinn Senior Activity Center .....14 Medicaid Waiver for Elderly and Disabled ................................17 Medicaid Waiver for Seniors and Disabled ................................12 Medical Equipment ........................73 Medical Social Work .......................70

Medicare....................................58, 64 Nedicare Advantage Plans ..............59 Medication Checklist......................81 Medication Safety Tips ...................75 Medigap Insurance .........................62 Meigs Senior Activity Center .........14 Mental Health Counseling .............53 Metropolitan Housing Authority ...84 Mid-Tennessee Council of the Blind ..................................76 Military Medals ...............................35 Monteagle Congregate Nutrition Site ..............................14 Morning Pointe at Green Briar Cove ...........5, 88, 90 Morning Pointe of Athens .......5, 90 Morning Pointe of Hixson ........5,90 Morning Pointe of Chattanooga.....................5, 90 My Own Case Management/ Contingency Plan ........................55

N

National Eye Care Project.....76 National Family Caregiver Support Program........32 National Rehabilitation Information Center .....................74 Neuromuscular Diseases................82 Non-Emergency Ambulance Transport .....................................16 Nursing Facilities/Nursing Homes 90 Nursing Home Care Covered by Medicaid....................85 Nursing Home Care Covered by Medicare ...................86 Nursing Home Checklist................92 Nursing Home Database ................87 Nursing Home Facilities by County.....................................91 Nursing Homes...............................85 Nutrition.........................................82

O-P

Occupational Therapy .....70 Ombudsman ..............42, 84 Options for Community Living Program......................12, 27 PACE Providers...............................78 Parkinson’s Disease ........................82

Older Adults™…the Resource Guide

95

Index Parks Admissions............................36 Partnership for Families, Children and Adults ............42, 50, 51, 53, 77 Patient’s Bill of Rights....................70 Personal Care Choices.....52, 69, 71 Phone Tips for Seniors ...................11 Physical Therapy.............................70 Polk County Senior Center ............14 Prescription Assistance ..................67 Prescription Drug Coverage...........57 Private Duty Nursing......................70 Probate............................................39 Property Tax Relief .........................39 Public Guardianship for the Elderly Program....................12

Q-R

Questions to Ask Home Health Care........69 Questions to Ask - Hospice Care....72 Questions to Ask Your Healthcare Provider ....................68 Railroad Retirement Board ............58 Referral Resources..........................12 Relative Caregiver Program .....12, 30 Representative Payee......................40 ResCare HomeCare ............3, 71-72 Respiratory Therapy .......................70 Retired Senior Volunteer Program (RSVP) ..........................41 Retirement Communities ..............85 Reverse Mortgage Loans ................89 Revocable Living Trust ...................39 Rhea Richland Senior Center.........14 Rosewood Supportive Services, Inc............72, Inside Front Cover

S

Safe Driving...........................38 Safety and Security ...............38 Salvation Army ...............................51 Senior Center Activities .................33 Senior Center Contact Information ................................21 Senior Centers................................14 Senior Housing Terms ...................84 Senior Medicare Patrol Project......12 Senior–Friendly Exercise: Seated Tai Ji .................................34 Sequatchie Senior Activity Center.............................14 96

Older Adults™…the Resource Guide

Service Corps of Retired Executives (SCORE) ....................41 SHIP & Information and Assistance..............................28 Signal Centers ......................74, 76 Signal Centers Adult Day Program .....................55, 76 Signal Centers Assistive Technology Center ..............76-77 Skilled Nursing Care ......................70 Sleep Disorders...............................82 Social Security................................58 Social Services................................50 South Pittsburg Congregate Nutrition Center..........................14 Southeast Tennessee Area Agency on Aging and Disability ................... ..........12, 15, 17, 41-42, Back Cover Southeast Tennessee Career Centers.............................41 Southeast Tennessee Human Resource Agency........15, 50, 52, 88 Speech & Hearing Disabilities .......76 Speech Therapy ..............................70 State Health Insurance Assistance Program (SHIP)...............12, 41, 60 Stroke..............................................82 Supplemental Security (SSI) .........58

T

Tax Preparation Assistance ...39 Telephone Quick Guide ........19 Tennessee Department of Children’s Services ..................30 Tennessee Department of Human Services ..........50, 51, 53 Tennessee Department of Revenue ...................................39 Tennessee Department of Veterans Affairs........................40 Tennessee Safety and Health Council .....................38 Tennessee Senior Games................37 Tennessee Services for the Blind and Visually Impaired........76 Terms Estate Planing..............................39 Home Health Care.......................69 Senior Housing ...........................84

Transient Crimes and Elder Fraud: What You Need to Know .............49 Transportation ................................15 Tri-State Resource & Advocacy Corp. (TRAC) .........14, 74

U-V

U.S. Department of Justice.......................74 United Way 211...............................14 United Way of Greater Chattanooga ...................52 Unlimited Marital Deduction .........39 Urban League of Greater Chattanooga ...................41 Utilities Assistance..........................51 Vehicle Adaptation..........................77 Veteran Services .............................40 Veteran’s Administration................75 Victim/Witness Assistance Programs....................38 Visual Disabilities ...........................75 VITA (Volunteer Income Tax Assistance).............................39 Volunteer Guardianship Program..41 Volunteer Opportunities ................40

W-Z Walker Street Congregate

Nutrition Site ...............14 Weather Information......................11 White House Greetings ..................52 Whiteside Faith Manor Congregate Meal Program ..........14 Whitwell Senior Center..................14 Will..................................................40

Southeast Tennessee Edition 2010

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