Page 18 THE MALDEN ADVOCATE–Friday, August 19, 2022 avy eniiooravvy S iorn or avvyavy vvy io iori by Jim Miller Ways to Pay for LongTerm Care Without Insurance or Savings Dear Savvy Senior, What types of fi nancial resources are available to help seniors pay for long-term care? My 86-year-old mother will need either an assisted living facility or nursing home care in the near future, but she doesn’t have long-term care insurance and her savings are minimal. Searching Daughter Dear Searching, The cost of assisted living and nursing home care in the U.S is very expensive. According to the Genworth cost of care survey tool, the national median cost for an assisted living facility today is over $4,600 per month, while nursing home care runs more than $8,100 per month for a semi-private room. (See Genworth. com/aging-and-you/fi nances/cost-of-care.html to look up costs in your area.) Most people pay for long-term care (LTC) – which encompasses assisted living, nursing home and in-home care – with either personal funds, government programs or insurance. But if your mom is lacking in savings and has no LTC insurance to cover her costs, here are your best options to look for funding. Medicaid (not Medicare): The fi rst thing you need to know is that Medicare (the government health insurance program for seniors 65 and older and those with disabilities) does not cover long-term care. It only provides limited short-term coverage, up to 100 days for skilled nursing or rehabilitation services after a three-day hospital stay. Medicaid, however, (the joint federal and state program that covers health care for the poor) does cover nursing home and inhome care. But to be eligible for coverage, your mother must be very low-income. Her countable assets can’t be more than around $2,000, including investments. (Note that most people who enter a nursing home don’t qualify for Medicaid at fi rst but pay for care out-of-pocket until they deplete their savings enough to qualify.) There are also many states that now have Medicaid waver programs that can help pay for assisted living. To get more information on Medicaid coverage and eligibility, call your state Medicaid offi ce (see Medicaid.gov). You can also check your mom’s Medicaid eligibility at MedicaidPlanningAssistance.org. Veterans benefi ts: If your mom is a wartime veteran, or a spouse or surviving spouse of a wartime veteran, there is a benefi t called Aid and Attendance that can help pay toward her longterm care. To be eligible, your mom must need assistance with daily living activities like bathing, dressing or going to the bathroom. And her yearly income must be under $15,816 as a surviving spouse, or $24,610 for a single veteran – after her medical and long-term care expenses. Her assets must also be less than $138,489 excluding her home and car. To learn more, see VA.gov/geriatrics, or contact your regional VA offi ce, or your local veterans service organization. Call 800-8271000 for contact information. Life insurance: If your mom has a life insurance policy, fi nd out if it off ers an accelerated death benefi t that would allow her to get a tax-free advance to help pay for her care. Or consider selling her policy to a life settlement company. These are companies that buy life insurance policies for cash, continue to pay the premiums and collect the death benefi t when she dies. Most sellers generally get four to eight times more than the policy cash surrender value. If she owns a policy with a face value of $100,000 or more and is interested in this option, get quotes from several brokers or life settlement providers. To locate some, use the Life Insurance Settlement Association member directory at LISA.org. To look for these and other programs in your area that can help pay your mom’s long-term care, go to PayingForSeniorCare.com and click on “Find Financial Assistance for Care.” 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. - LEGAL NOTICE - Notice is hereby given that a COMMUNITY OUTREACH MEETING for a proposed Marijuana Establishment in accordance with M.G.L. c. 94G and the Massachusetts Cannabis Control Commission’s regulations at 935 CMR 500.000 et seq. is scheduled for: September 14, 2022, 6:00pm LOCATION: Foster Walker and DiMarco PC, 350 Main Street Third Floor, Malden MA 02148 Join Zoom Meeting: https://us06web.zoom.us/j/84273979388?pwd=MU9IRkJDNXI1TlBFZ3dpVWJmaG RKUT09 Meeting ID: 842 7397 9388 Passcode: 615269 The location for the proposed Marijuana Retailer is 36 Charles St., Malden, MA 02148. Topics to be discussed at the meeting will include, but not be limited to: 1. The type of Marijuana Establishment to be located at the proposed address. 2. Plans for maintaining a secure facility 3. Plans to prevent diversion to minors. 4. Plans to positively impact the community. 5. Plans to ensure the establishment will not constitute a nuisance to the community. There will be an opportunity for the public to ask questions. Please contact Attorney Roberto Di Marco with any inquiries at (781)322.3700 or rdimarco@fwd-law.com, or Peg Crowe (781) 248.4386 Thank you, DMS Trinity, LLC Esta noticia es para informarles que habra una REUNION DE LA COMUNIDAD en donde se les informara de la propuesta para establecer un negocio de Marijuana Establishment de acuerdo con M.G.L. c. 94G y la normativea de Massachusetts Cannabis Control de la Commission de 935 CMR 500.000 et seq. La reunion esta programada para: el 14 Setembro 2022, 6:00pm Loclizacion: Foster Walker and DiMarco PC, 350 Main Street Third Floor, Malden MA 02148 particpar de la reunión, en ZOOM : https://us06web.zoom.us/j/84273979388?pwd=MU9IRkJDNXI1TlBFZ3dpVWJmaG RKUT09 Meeting ID: 842 7397 9388 Passcode: 615269 La direccion propuesta para vender Marijuana sera en la 36 Charles St., Malden, MA 02148. Los temas que serán discutidos en la reunión incluirán, entre otros: 1. Detalles del tipo de establecimiento de marihuana que se ubicará en la dirección propuesta. 2. Plan de acción para mantener la seguridad en la facilidad. 3. Plans de acción para prevenir la distribución a menores de edad. 4. Iniciatives y Plan para poder crear un impacto positivo en la comunidad. 5. Planes para garantizar que el establecimiento no constituya una molestia para la comunidad. Durante la reunion el public tendra la oportunidad de hacer preguntas. Por favor llamar a Lie. Roberty Di Marco, con cualquiera pregunta (781)322.3700, rdimarco@fwd-law.com, o Peg Crowe (781) 248.4386 Gracias, DMS Trinity, LLC. Esta notícia é para informá-los que haverá uma REUNIÃO DA COMUNIDADE para uma proposta de um estabelecimento de Marijuana de acordo com M.G.L. c. 94G e os regulamentos da Comissão de controle de Cannabis de Massachusetts 935 CMR 500.000 et seq. A reunião está agendada para dia: 14 de Septiembre de 2022 as 6:00pm Localização: Foster Walker and DiMarco PC, 350 Main Street Third Floor, Malden MA 02148 Participar da reunião pelo ZOOM: https://us06web.zoom.us/j/84273979388?pwd=MU9IRkJDNXI1TlBFZ3dpVWJmaG RKUT09 Meeting ID: 842 7397 9388 Passcode: 615269 O endereço proposto para a localização é 36 Charles St, Malden, MA 02148 Pontos a serem discutidos na reunião 1. O tipo de estabelecimento de Marijuana no endereço proposto. 2. O plano para manter um estabelecimento seguro. 3. Planos para prevenção de venda para menores de idade. 4. Planos de impacto positivo para a comunidade. 5. Planos para afirmar que o estabelecimento não causará nenhum problema para a comunidade. Durante a reunião haverá oportunidade para o público tirarem dúvidas Por favor ligarem para Doutor Robert Di Marco com qualquer dúvidas (781)322-3700 ou rdimarco@fwd-law.com, ou Peg Crowe (781) 248.4386 Obrigado, DMS Trinity, LLC. 通知係在此畀定嘅 社區外聯會議 根據M.G.L.c.94G同馬薩諸塞州大麻管制委員會嘅法規，935 CMR 500.000等緊 單位建議建立大麻機構。 計劃 2022 年 9 月 14 日下午 6 點 地點：Foster Walker and DiMarco PC, 350 Main Street Third Floor, Malden MA 02148 縮放鏈接: https://us06web.zoom.us/j/84273979388?pwd=MU9IRkJDNXI1TlBFZ3dpVWJmaGR KUT09 Meeting ID: 842 7397 9388 Passcode: 615269 擬議嘅大麻零售商嘅位置係 36查尔斯街，马尔登，MA 02148。 會議將討論嘅主題將包括但不限於： 1.擬擬議地址設置緊嘅大麻機構類型。 2.維護安全設施嘅計劃 3.防止轉用未成年人嘅計劃。 4.對社區產生積極影響嘅計劃。 5.確保建立唔會對社區構成威脅嘅計劃。 公眾將有機會提出問題。 請聯繫律師罗伯托·迪·马可（ 781 ）322.3700或 rdimarco@fwd-law.com， 或佩格·克劳（ 781 ）248.4386 三位一體，有限責任公司 August 19, 26, 2022 SERVICE | FROM PAGE 3 those Chinatown stops for work, business and social reasons. Malden has the third-highest ratio of Asian Americans in Massachusetts to total population, percentagewise, with 25.9%, behind only Lexington (33%) and Quincy (30.9%), according to the 2020 U.S. Census. Malden also has the fi fth-highest numerical population of Asian Americans in Massachusetts with 17,151. Boston itself has a large Asian American population with just over 76,000 residents, about 11% overall. In a letter presented on Tuesday to MBTA General Manager Steve Poftak, Boston-based city and state politicians urged the MBTA to reconsider its plans to exclude both Chinatown and Tufts Medical Center Stations from the shuttle bus route during the 30-day shutdown that begins on Friday. The letter, which was signed by Boston Mayor Michelle Wu, Boston City Council President Ed Flynn, State Senators Nick Collins and Lydia Edwards and State Representative Aaron Michlewitz, asked that at least one of the two Chinatown stops be included in the T’s alternate transit plan for the Orange Line shutdown. In the letter it is stated, “The Chinatown T stop is always widely used, particularly for seniors and workers in Chinatown, and the lack of shuttle bus stops at either Tufts Medical Center or Chinatown will make travel extremely difficult for residents and workers in the area.” The letter goes on to explain that many residents in the neighborhood, which includes a large immigrant population, most of whom do not own or have access to a motor vehicle, use the T to get to and from Chinatown. Also, many people, including those who live in the area, use the Orange Line to go to Tufts Medical Center. The alternate transit plan for that area encourages MBTA riders to use either the Green Line or the Silver Line (downtown Boston) bus service to navigate the routes while the Orange Line is shut down. Particularly, the Green Line Boylston Street stop is closest to the area and is one block away from the Orange Line stop. The Silver Line buses also run close by to those Orange Line stops. The Boston politicians expressed concerns that the immigrant population with limited English-speaking skills might have a lot of diffi culty with the changes and shutdown, adding that a top priority should be translation of any informational materials into Chinese.
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