THE MALDEN ADVOCATE–Friday, June 30, 2023 Page 19 OBITUARIES Bruce Seymour Schlosberg Bruce Seymour Schlosberg passed away at age 79 from a two-year battle with Stage IV metastatic melanoma on Monday, June 26. Born in Everett, MA on March 25, 1944, to Freda and David Schlosberg, Bruce attended UMASS where he graduated with a BA in Political Science and received a Master of Public Administration from the SUNY Albany. Bruce decided to venture into urban renewal to work to make city living more dynamic and functional. Infl uenced by political conversations around the table, - LEGAL NOTICE - City of Malden Massachusetts 215 Pleasant Street, 3rd Floor Malden, Massachusetts 02148 (781) 397-7000 ext. 2044 MALDEN PLANNING BOARD and MALDEN CITY COUNCIL ORDINANCE COMMITTEE PUBLIC HEARING The Malden Planning Board and Malden City Council Ordinance Committee will jointly hold a public hearing in the Herbert L. Jackson Council Chamber, Malden City Hall, 215 Pleasant Street, Malden, MA at 7:00 P.M. on Monday, July 17, 2023, in accordance with Title 12, Chapter 32, Section 050 of the Code of the City of Malden, regarding petitions for zoning amendments, as proposed in City Council Papers ##197/2023,198/2023, 227/2023 and 236/2023, to further amend the following sections of Title 12 of the Code of the City of Malden (MCC), as follows: A. Section 12.08.020, MCC (Zoning Map) (CCP 197/2023). To amend the zoning map to change the zoning district from Highway Business to Neighborhood Business for the following parcels: 5 Island Hill Avenue (Assessor’s Parcel Identification #044 855 505A) 1038 Main Street (Assessor’s Parcel Identification #044 855 510) 1100 Main Street (Assessor’s Parcel Identification #044 855 507) 1128 Main Street (Assessor’s Parcel Identification #044 855 506) B. Section 12.12.030, MCC (Use Regulations) (CCP 198/2023). To amend use regulations to prohibit self-storage facilities in the Industrial 1 and 2 zoning districts. C. Sections 12.12.030 and 12.12.150, MCC (Use Regulations) (CCP 227/2023). To amend use regulations to prohibit drive-thrus in the Neighborhood Business and Central Business zoning districts. D. Section 12.28.140, subsections B, C, D, F, J, MCC (CCP 236/2023). To amend use regulations for the Rowe’s Quarry Reclamation and Redevelopment District (RQRRD), Subdistrict RQ3 to allow multifamily residential use, establish requirements for affordable and age-restricted housing and general requirements for development, and amend dimensional regulations and parking requirements; and to amend use regulations for RQRRD, Subdistricts RQ1 and RQ2 to set a six-story maximum height for multifamily dwellings. The full texts of the proposed zoning amendments (City Council Papers ##197/2023, 198/2023, 227/2023 and 236/2023) are available for public review on the City of Malden website at https://cityofmalden.legistar.com/Legislation.aspx and with the City Planner, Inspectional Services, 3rd floor, and the City Clerk, 2nd Floor, 215 Pleasant Street, Malden, MA. By: Diane M. Chuha, Clerk Malden Planning Board By: Peg Crowe, Chair Malden City Council Ordinance Committee June 30, July 7, 2023 Bruce’s parents instilled in him, his brother Paul, and sister Phyllis (of blessed memory), a passion for helping the underprivileged. He was a lifelong ardent Democrat who frequently took to Facebook to air his grievances. Throughout his life, failure was never an option for him. When OBITUARIES| SEE PAGE 20 aavvyvy S avy avvy S oiorenniioor nior by Jim Miller Health Insurance Options After a Spouse Retires Dear Savvy Senior, My 63-year-old wife, who’s doesn’t work, is on my health insurance plan through my employer. When I retire next month and go on Medicare, what are our options for getting her health coverage until she turns 65? Is there some kind of Medicare coverage for dependent spouses? Need Insurance Dear Need, Unfortunately, Medicare does not provide family coverage to younger spouses or dependent children when you qualify for Medicare. Nobody can obtain Medicare benefi ts before age 65, unless eligible at a younger age because of disability. With that said, here are your best options for covering your wife. Aff ordable Care Act: In most cases, your best choice is to get your wife an individual health insurance policy through the Aff ordable Care Act (ACA) health insurance Marketplace (a.k.a. Obamacare). The Marketplace off ers comprehensive health coverage, and she won’t be denied coverage or charged extra for preexisting health conditions. And thanks to the American Rescue Plan and Infl ation Reduction Act, the Marketplace now provides enhanced subsidies through 2025. If your income falls below the 400 percent poverty level after you retire – anything below $73,240 for a couple or $54,360 for a single in 2023 – your wife will be eligible for a tax credit that will reduce the amount you’ll have to pay for her policy. The Marketplace also ensures that households with incomes above that 400 percent poverty level will not have to pay more than 8.5 percent of their income for a benchmark policy. To see how much subsidy you may be eligible for, use Kaiser Family Foundation calculator at KFF.org/interactive/subsidy-calculator. To shop for Marketplace plans in your state, visit HealthCare.gov or call 800-318-2596. Or, if you want some extra help, contact a Marketplace-certifi ed agent or broker at HealthCare.gov/fi nd-assistance. COBRA: Another option is the Consolidated Omnibus Budget Reconciliation Act (COBRA), which is a federal law that would allow your wife to remain with your company insurance plan for at least 18 months after you make the switch to Medicare. But not every employer plan is COBRA eligible. Contact your employer benefi ts administrator to fi nd out if yours is one of them. You also need to be aware that COBRA is not cheap, requiring you to pay the full monthly premium yourself. But, if you’ve already met or nearly met your employer plan’s deductible or outof-pocket maximum for the year, and don’t want your wife to start over with a new plan; or if you fi nd your employer’s health plan to be more aff ordable than the Marketplace plans, it makes sense for your wife to keep her current coverage under COBRA. Short-Term Health Insurance: If you can’t fi nd an aff ordable Marketplace plan and COBRA is too expensive, the next option is short-term health insurance. These plans, which are not available in every state, are cheaper, bare-bones health plans that provide coverage for one to 12 months and may be renewed for up to three years in some states. But be aware that short-term plans don’t comply with the ACA so they can deny sick people coverage, they don’t cover preexisting conditions, and they can exclude coverage essentials like prescription drugs. To find and compare short-term health plans, try sites like eHealthInsurance.com or PivotHealth.com. Healthcare sharing ministries: One other coverage option you should know about is healthcare sharing ministries (HCSM). These are cost-sharing health plans in which members – who typically share a religious belief – make monthly payments to cover expenses of other members, including themselves. HCSM’s are cheaper than paying full out-of-pocket costs for traditional health insurance but be aware that HCSM’s are not health insurance. They don’t have to comply with the consumer protections of the ACA. They can also reject or limit coverage for having pre-existing health issues and can limit how much you’ll be reimbursed for your medical costs. To look for HCSM plans, comparison shop at the three largest providers: SamaritanMinistries.org, MyChristianCare.org and Chministries.org. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.
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