Page 18 THE SAUGUS ADVOCATE – FriDAy, OCTObEr 17, 2025 SOUNDS | FROM PAGE 17 is now available at the Library, according to Saugus Public Library Director Alan Thibeault. “You can also stop by and read the Saugus Advocate, Lynn Item, Boston Herald, and the Boston Globe as well!” Thibeault said. Saugus Youth Cross Country 2025 Grades 1-5 and 6-8 not running for a school team can run on Tuesdays and Thursdays, 3:45 p.m. to 5 p.m. at Belmonte; Saturdays, 10 a.m. to 11:30 a.m. at Breakheart Reservation. The training distances are 1st to 3rd, .7 miles; 4th and 5th, 1.2 miles; 6th-8th, 1.9 miles. Practice races are Saturdays (to be determined) at Frey Park in Lynn at 285 Walnut St. Saturday, Oct. 25: Fun Run practice at Breakheart. Athletes are encouraged to wear a costume. Saturday, Nov. 1: 16th Annual Massachusetts State Middle School Cross Country Champi- LEGAL NOTICE - COMMONWEALTH OF MASSACHUSETTS THE TRIAL COURT PROBATE AND FAMILY COURT Essex Probate and Family Court 36 Federal Street Salem, MA 01970 (978) 744-1020 Docket No. ES25P2905EA Estate of: MARGARET DEBORAH STAMEGNA Also known as: MARGARET D. STAMEGNA Date of Death: 07/08/2025 CITATION ON PETITION FOR FORMAL ADJUDICATION To all interested persons: A Petition for Formal Probate of Will with Appointment of Personal Representative has been filed by Joseph P. Stamegna of Saugus, MA requesting that the Court enter a formal Decree and Order and for such other relief as requested in the Petition. The Petitioner requests that: Joseph P. Stamegna of Saugus, MA be appointed as Personal Representative(s) of said estate to serve Without Surety on the bond in unsupervised administration. IMPORTANT NOTICE You have the right to obtain a copy of the Petition from the Petitioner or at the Court. You have a right to object to this proceeding. To do so, you or your attorney must file a written appearance and objection at this Court before: 10:00 a.m. on the return day of 11/06/2025. This is NOT a hearing date, but a deadline by which you must file a written appearance and objection if you object to this proceeding. If you fail to file a timely written appearance and objection followed by an affidavit of objections within thirty (30) days of the return day, action may be taken without further notice to you. UNSUPERVISED ADMINISTRATION UNDER THE MASSACHUSETTS UNIFORM PROBATE CODE (MUPC) A Personal Representative appointed under the MUPC in an unsupervised administration is not required to file an inventory or annual accounts with the Court. Persons interested in the estate are entitled to notice regarding the administration directly from the Personal Representative and may petition the Court in any matter relating to the estate, including the distribution of assets and expenses of administration. WITNESS, Hon. Frances M. Giordano, First Justice of this Court. Date: October 15, 2025 PAMELA A. CASEY O’BRIEN REGISTER OF PROBATE October 17, 2025 onship at Willard Field in Devens (more information to be announced). Tuesday, Nov. 11: 11th Annual Massachusetts Elementary School Cross Country Championship, 8:30 a.m. arrival – 9:30 a.m. start; Lynn Gannon Golf Course, 60 Great Woods Rd.; lunch at Prince Pizzeria following the meet. Ending Thursday, Nov. 13: Wrap-up Session at Belmonte. Cost: $150 for fi rst year, $75 returning from Cross Country 2024. If you have any questions, need further information or want to register, please contact Coach T at 781-854-6778 or Christophertarantino24@ gmail.com. Saugus High Class of 1965 reunion The Saugus High Class of 1965 will be celebrating its 60th Reunion on Saturday, Nov. 29, at Prince Pizzeria on Route 1 South in Saugus. Cost is $50 per person. The final date for reservations is Nov. 1! You can contact Ellen Santosuosso at 781-666-3470 or esantosuosso@gmail.com for more details. Come join your friends and classmates for our 60th Reunion. There’s a bonus for those alumni who attend the reunion: The new Saugus Middle-High School will be open on that Saturday from 10 a.m. to noon. It will be a great opportunity to see the new campus. Saugus High Class of 1980 Reunion is Nov. 29 The 1980 Saugus High School Class will observe its 45th Reunion on Saturday, Nov. 29, at the Saugus Elks Hall. Hello everyone. Although our 1980 SHS Class is not merging with any other classes, we wanted to extend the invitation to our friends and family members that would like to join us. I (Pete Nicolo) have several friends that did not graduate in our year (1980) that will be attending. Most of us have kept in touch with some of our classmates / friends throughout the years. But what about the classmates / friends that you would love to see and have not seen in decades? I’ve reSOUNDS | SEE PAGE 21 Savvy S Dear Savvy Senior, My husband and I have been thinking about getting a longterm care insurance policy, but we hate the idea of paying expensive monthly premiums for a policy we may never use. Is long-term care insurance worth it? Approaching Retirement Dear Approaching, There are two key factors you need to consider that can help you determine if purchasing a long-term care (LTC) insurance policy is a smart decision for you and your husband. One factor is your fi nancial situation and second is your health history. Currently, around 7.5 million Americans own a policy. Who Needs LTC Insurance? As the cost of LTC – which includes nursing home, assisted living and in-home care – continues to rise, it’s important to know that most people pay for LTC either from personal savings or Medicaid when their savings is depleted, or through a LTC insurance policy. National median average costs for nursing home care today is over $100,000 a year, according to the Genworth Cost of Care survey. Assisted living facilities and home care aides average more than $65,000/year. While national statistics show that about 70 percent of Americans 65 and older will need some kind of LTC, the fact is, many people don’t need to purchase LTC insurance. The reasons stem from a range of factors, including the fact that relatively few people have enough wealth to protect to make purchasing a policy worthwhile. Another important factor is that most seniors who need LTC only need it for a short period of time, for example, when they’re recovering from surgery. For those people, Medicare covers in-home health care and nursing home stays of 100 days or less following a hospital stay of more than 3 consecutive days. So, who should consider buying a policy? LTC insurance make the most sense for people who have investable assets of $500,000 to around $2 million that they want to protect. Anything less, and you will likely deplete your resources and go on Medicaid for LTC coverage. S Se Savvy SSavvy Se by Jim Miller Is Long-Term Care Insurance Worth It? Anything more, and you can probably aff ord to pay for care yourself. Another factor to weigh is your personal health and family health history. The two most common reasons seniors need extended long-term care is because of dementia and/or disability. And, almost half of all people who live in nursing homes are 85 years or older. So, what’s your family history for Alzheimer’s, stroke or some other disabling health condition, and do you have a family history of longevity? You also need to factor in gender too. Because women tend to live longer than men, they are at greater risk of needing extended LTC. Choosing LTC Coverage After evaluating your situation, if you’re leaning towards buying a LTC policy, be aware that premiums can vary widely. According to the American Association for Long-Term Care Insurance, premiums for a policy bought by a couple who are both age 65 for a benefi t pool of $165,000 each, with a 3 percent infl ation rider, ranged from $7,137 to $8,493 a year. You can buy LTC insurance from an insurance company or through an agent. Or you might also be able to buy a policy at work. Be sure to get quotes from several sources for the same coverage to compare prices. There are two main types of long-term care coverage you’ll want to consider. Traditional LTC insurance, which is “use it or lose it.” And hybrid policies that combine LTC coverage with life-insurance benefi ts. These policies promise that if you don’t end up needing long-term care, your benefi ciaries will receive a death benefi t. Both types of policies require medical underwriting to qualify. Another hybrid product to consider is an income annuity that includes a provision to increase your payout if you need LTC. However, the payout may not cover the full cost of care, and the added cost of this provision, known as a rider, can reduce the standard payout from the annuity. Send your questions or comments to questions@savvysenior.org, or to Savvy Senior, P.O. Box 5443, Norman, OK 73070. y S
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