planning for lifes journey

The Health Center at at Maple Lawn 68 Dads Retiring Age Offering Shelter & Skilled Care How Does He Get Medicare? Sometimes we just need a little extra help. Sometimes we just
need a little extra smile. ForLiving those you Inc. need Maple By Steven Buttice, Founder and President, Bytimes, Your Design,

busy and now Dad has decided he has had enough of work and finally, help from Social Security as needed. Let our experienced, and compassionate at age 68, he is going to retire the first of the year. Now, the questions caring Coordinating care for yourfamily childrentreat and parents simultaneously is not easy. What can you do to manage this? Three words of advice: you just like we would our own plan, plan, and plan. Legal, financial, residential, and mental and physical health care elements must of be our addressed prior to a crisis. A sandBecause when youre at Maple Lawn, you are part family. wich generationer should guide their parent through these issues and the primary issue of safety, while being careful not to take all control away from a parent. Once again, it is important to start talking, making suggestions, and guiding early, do not wait for a crisis.

Lawn. Whether you are in need of a little extra help with the to-day activities or need skilled care, the e are headed into Christmas and all theday joys-and emotions of the help of expert a well-qualified insurance professional who specializes with the season. The kids have holiday programs at school, and Medicare plans. It is of utmost importance that Dad handles the MediCommunities of Maple Lawn are here to meet your needs. your husband has the annual work Christmas party. Life is care and Social Security process correctly and gets the appropriate

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For more information, contact Living By Your Design, Inc., focusing on the additional issues of Older Americans: legal, For information on financial, free guidance for residential placement and health care issues. Call 309-285-8088 24 -hour Shelter or Skilled Care or visit www.LivingByYourDesignInc.com. We are located at 809 W. options, Detweiller Dr., Peoria, IL 61615.

contact us at 309.467.2337 or visit www.maple-lawn.com

come up: what happens with his group health insurance? Does he need to talk with anyone concerning his Medicare coverage? Does he need to make any changes? What should he do? He has asked you to help get these answers. Life today is active, especially for women aged 4555 who care for both their parents and children. These are the people caught in the sandwich generation. Depending on Dads group plan and size of company there may be an issue here. He may have waived Part B, the medical coverage of Medicare, when he decided to work past age 65. Look at his Medicare ID card and see if Part B has an effective date. If not, he will need to talk with the Social Security office, within 30 days of retirement, and ask for form 40B. (The closer to 30 days, the better.) This form will allow him to gain Medicare Part B coverage the first day of the month following the loss of his group plan (if this form is filed timely). The goal is to show that dad had creditable coverage after age 65 and, therefore, he would not be penalized for not having coverage during that time period. Form 40B will need to be completed and signed by the company were Dad works and returned to the Social Security office. Dad will also need a letter from his company stating that he has worked and been covered by their group health plans from the time his coverage began until the date of his retirement. Then Dad will have a multitude of options: he can, most likely, continue COBRA, or have guaranteed enrollment in a Medicare Advantage Plan, or apply for a Medicare Supplement, and a MedicareRX Plan as long as it is done within 63 days of loss of coverage. So, this whole issue can be complicated. Be sure to keep copies of all completed forms. Like most insurance issues, it is best to secure

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Maple Lawn Apartments Offer:

Staff on-site Controlled access to building Covered parking 24-hour emergency maintenance Free laundry facilities Scheduled transportation Leisure & activities program Campus gift & convenience store Beauty & barber salon Garden plots Library and computer lab 100 acre senior living campus

700 North Main Street, Eureka, IL 61530

309-467-9071

Rent is based on incomeHUD (Housing & Urban Development) December 2013 Peoria Healthy Cells Magazine Page 47