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FinAnCiAL COLUMn: 5MEdICaId PlaNNING IMPORTaNTBRUCE BiTTER OF GREAT AMERiCAn SEniOR BEnEFiTS

HEALTH COLUMn: 10GOals IMPORTaNT TO GOOd hEalThMARvin MOORE, pHARMACiST

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On the Cover: 6-7 RETIREMENT pROjECT Author Joe Euclide works at his computer at his home office near Whitelaw. Sue pischke/50 plus

Staff pat pankratz, 50 plus! Editor 920-686-2138 ppankratz@htrnews.com

Tami Gasch, Advertising Manager 920-684-4433 tgasch@htrnews.com

50 plus! is published monthly by the Herald Times Reporter. it also is distributed to select businesses in Manitowoc County.

50plus!

THinGS TO DO

The Masquers Inc. will present “The Sound of Music” at the

Capitol Civic Centre May 10, 11 and 12.

April 28INSpIREd by All ThAT jAzz: Manitowoc Symphony Orchestra, Capitol Civic Centre, Randy Sabien is a master of every pop style and will have something to delight every musical taste. 7:30 p.m., (920) 323-4884, www.cccshows.org

30Th ANNuAl ANT hIll MOb ShOw & dANCE, Manitowoc County Expo, annual northeastern Wisconsin Charity Motorcycle Show and Dance, Sat 10 a.m.-9 p.m., Sun 10 a.m.-4 p.m., (920) 684-0237. Also April 29.

May 1ClASS dISMISSEd, Manitowoc Heritage Center, Learn about the rural history of the one-room schoolhouses; free, 9 a.m.-4 p.m. daily, (920) 684-4445. Continues throughout May.

May 3-5hEART-A-RAMA, Hamilton Community House, Two Rivers, Enjoy a show that makes fun of life on the Lakeshore, (920) 682-5586

May 5wAlk MS MANITOwOC-TwO RIvERS 2012, Manitowoc Lutheran High School, Registration 9 a.m., Walk 10 a.m., 800-242-3358 or www.wisMS.org.

hISTORIC hOMES TOuR, Manitowoc County Heritage Center, take a walking tour of historic homes in Manitowoc County. Fee charged, pre-registration required, time TBD, (920) 684-4445

AN AMERICAN SAluTE: All ThAT jAzz, Capitol Civic Centre, The Lakeshore Wind Ensemble presents an Ellington portrait American Jazz Suite, Sinfornia Concertante for Saxophone Quartet, and The Kay Gainacopoulos Saxophone Quartet, (920) 683-2184

hORSE-A-RAMA, Manitowoc County Expo, Equine entertainment, education and trade show. The 24th annual event will feature ranch sorting and barrel races, dancing horse, drill team breed demonstration, plenty of vendors and seminars, and a 4-H used tack consignment area. Call Kay Trost for details, (920) 242-4416. Also May 6

May 10-12ThE SOuNd Of MuSIC, Capitol Civic Centre, The Masquers present this production based on the life of Maria von Trapp and her family, 7:30 p.m., (920) 682-2184

May 12ShARE ThE pAST buS TOuR Of MANITOwOC COuNTy, Manitowoc County Heritage Center. A day-long bus trip explores Manitowoc County’s historical treasures, enjoy a catered lunch and connect with our heritage, advanced registration required 9 a.m.-4 p.m., (920) 684-4445

May 18-19MIShICOT vIllAgE-wIdE RuMMAgE SAlE, Bargain hunters paradise. Lists of items and addresses available at www.mishicot.org, (920) 755-3411

May 1836Th ANNuAl MIdwESTERN MOdEl ShIp & bOAT CONTEST ANd dISplAy, Wisconsin Maritime Museum, Modelers from throughout the United States fill the Riverview Room with exquisite models for the weekend. A modeler’s symposium, roundtable and banquet are part of the festivities. 9 a.m.-noon, (920) 686-0218. Also May 20

May 24S.S. bAdgER CARfERRy SAIlINg SEASON bEgINS, 800-841-4243

May 24-25MANITOwOC-buIlT Sub REuNION ANd uSS lAgARTO REMEMbRANCE, Wisconsin Maritime Museum, visit with submariners and shipyard workers who served on or built the Manitowoc submarines. Attend the USS Lagarto Remembrance Ceremony on Saturday afternoon. (920) 686-0218

May 28ROgERS STREET fIShINg vIllAgE OpENS fOR ThE SEASON, Two Rivers. This historic village includes the Coast Guard Museum, the north pier Lighthouse, and information about the Rouse Simmons Christmas Tree Ship, (920) 793-5905

Old fAShIONEd pIE ANd ICE CREAM SOCIAl, Manitowoc Heritage Center, Watch the parade and stop in for homemade pies, ice cream and refreshments, 9 a.m., (920) 684-4445

MEMORIAl dAy pARAdE, Eighth Street in downtown Manitowoc, 9 a.m., (920) 482-1643

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RECOMMEnDED vACCinATiOnS FOR SEniORS

jim Miller

Dear Savvy Senior:

What types of vaccinations are recommended for seniors? I know about flu shots, but what else is recommended and what’s covered by Medicare?

Cheap Shot Sally

Dear Sally:

Most people think that vaccinations are just for kids, but adults, especially seniors, need their shots too. Here’s a breakdown of what vaccines the Centers for Disease Control and Prevention (CDC) recommends for adults age 50 and older, and how they’re covered by Medicare.

Influenza (flu): While you already know that seasonal flu shots are recommended to everyone age 50 and older, you may not know that seniors over 65 now have the option of getting a new high-potency flu vaccine instead of a regular flu shot. This vaccine — known as the Fluzone High-Dose — creates a stronger immune response for better protection. All annual flu shots are covered under Medicare Part B.

Pneumococcal: Pneumonia causes more than 40,000 deaths in the U.S. each year, many of which could be prevented by the pneumococcal polysaccharide vaccine. Everyone age 65 or older needs to get this one-time vaccination, as well as those under 65 who smoke

or have chronic health conditions like asthma, lung and heart disease, diabetes, or a weakened immune system. This vaccination is also covered under Medicare Part B.

Zoster (shingles): Recommended for everyone age 60 and older, shingles is a painful, blistering skin rash that affects more than 1 million Americans each year. All Medicare Part D prescription drug plans cover this one-time vaccination, but coverage amounts and reimbursement rules vary depending on where the shot is given. Be sure you check your plan. If you aren’t covered you can expect to pay between $150 and $250.

Tdap (tetanus-diphtheria-pertussis): A one-time dose of the Tdap vaccine which covers tetanus, diphtheria and pertussis (whooping cough) is now recommended to all adults. If you’ve already had a Tdap shot, you should return to getting a tetanus-diphtheria (Td) booster shot every 10 years. Most private health and Medicare Part D plans cover these vaccinations, but if you have to pay, they cost between $20 and $100.

MMR (measles, mumps and rubella): Anyone born during or after 1957 that is unsure about their immunization history should receive the MMR shot. A blood test can tell whether someone has had any

of these diseases or has received the MMR vaccine, but a test costs approximately $100. If you’re unsure about your immunity, getting a booster shot is more cost-effective (around $50 and is usually covered by insurance) and isn’t harmful, even if you’re already immune.

Hepatitis A: This is a two-dose series of shots recommended to adults age 50 and older that have chronic liver disease, a clotting-factor disorder, have same-sex male partners, illicit injectable drug use, or who have close contact with a hepatitis A-infected individual or who travel to areas with a high incidence of hepatitis A. These shots cost anywhere from $60 to $300, but are covered by most health and Medicare prescription drug plans.

Hepatitis B: This three-dose series is recommended to adults 50 and older who are on dialysis, have renal disease or liver disease, are sexually active with more than one partner, have a sexually transmitted disease

Recommended vaccinations for seniors continued on page 5

50 plus! . May 2012 . 3

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By JUDY RANK| for 50 Plus!

Senior Fair scheduled May 23May is Older Americans Month. In honor of the older population of this community, the Aging & Disability Resource Center of the Lakeshore (ADRC), along with numerous community providers, will be hosting a free Senior Fair from 1 to 4 p.m. on Wednesday, May 23, at the Manitowoc Ice Center. The theme of the fair, “Never Too Old to Play,” is also the theme of this year’s Older Americans Month.

Attorney Michelle Birschbach will talk about long-term care insurance, who should have it, and what kind of services can be purchased with the different plans. Her presentation starts at 3 pm.

At 1:15 p.m., Lynda Markut has a presentation on humor, stress and health, entitled “Laugh for the Health of It.”

At 2:15 p.m., there will be a fun exercise called “Whatever Happened to Recess.”

More than 40 vendors will be displaying the services they have to offer that allows individuals to stay connected to the community and in their own homes as long as possible. Bellin Health will have an inflated heart that one can walk through and learn how the heart works. There will be many door prizes and for those who enjoy bingo, it will follow at 4 p.m.

Medicare WorkshopsStaff of the ADRC will be hosting two separate workshops for people turning 65, called Medicare Part A-D. Staff will explain what is meant by Medicare Part A, B, C and D. They will also explain the difference between advantage plans and supplemental insurance. An evening program will be held from 6 to 8 pm on June 13, while a daytime session will be held on June 27 from 1:30 to 3:30 p.m. Both programs will be held at the ADRC office, 4319 Expo Drive. Please call the ADRC at (920) 683-4180 to register for one of these programs.

Caregiver ProgramThe ADRC is currently taking registrations for an evening “Powerful Tools for Caregiving” six-week program that is set to start May 31 at the ADRC office. This class is for the family caregiver, which includes a spouse, an adult child, or friend, or could be an adult caring for a developmentally or physically disabled adult child.

The class is designed to assist caregivers in understanding the importance of taking good care of themselves, so that they can continue to give care. It helps the caregiver deal with the added stress that comes from taking on added responsibilities. It also teaches communication skills that can be used in dealing with medical professionals or other family

members in enlisting help with care-giving.

The class will run from 5:30 to 8 p.m. once a week for six weeks. Please contact the ADRC at (920) 683-4180 and ask for Lynn for more information or to register for the program.

Report FraudThe Office of the Inspection General (OIG) has established a website for reporting possible fraud. The OIG investigates fraud tips for any type of abuses of public resources, such as:

Billing Medicaid for services/equipment not provided

Filing a false application for a DHS-funded assistance program such as Medicaid, BadgerCare Plus, WIC or Foodshare

Trafficking of Foodshare benefits

Crime, misconduct or mismanagement by a DHS employee, official or contractor.

Individuals who suspect anyone of fraudulent activity in public assistance programs can report fraud online at dhs.wisconsin.gov or by calling the OIG Fraud Hotline at 1-877-865-3432.

Judy Rank is executive director of the Aging and Disability Resource Center of the Lakeshore.

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What is the difference between Medicare and Medicaid? The simple answer is this: Medicare is social insurance for people age 65 and over. Medicaid is welfare for people who are impoverished.

A recent experience with two of my clients brings up the importance of Medicaid planning. He is 82 and she is 79. I received the phone call in December. He had fallen and was injured severely enough to require an ambulance trip to the hospital. Three days later he was transported to a local nursing home for rehabilitation. During the following month he fell four more times and was diagnosed with Parkinson’s disease. It became increasingly clear that he wasn’t going to be able to go home.

He had coverage through his Medicare Part C Advantage plan for 30 days. Then his status was changed from rehabilitation care to custodial care. From a financial standpoint, this meant that from that day forward, he was financially liable for 100 percent of the cost of care. The first bill from the facility was $9,806. The monthly ongoing cost at the facility was $7,900. He and his wife would be responsible for all of it. Not a happy situation for a couple who had scrimped and saved their entire lives.

As was mentioned above, Medicaid is welfare for people who are impoverished. In order for an individual to qualify for Medicaid, he is allowed to have only $2,000 in assets. In 1988 a law was passed

bruce bitter serves seniors as a representative of great American Senior benefits.

FinAnCiAL COLUMn: MEDiCAiD pLAnninG iMpORTAnT

entitled “The Spousal Impoverishment Act of the State of Wisconsin.” It says that if a person is married and his or her spouse needs custodial care, the non-institutionalized spouse can keep the house, can keep one car, can keep about $2,400 per month of income and half of their assets with a ceiling of $113,500 and a basement of $50,000. If a couple has “too many assets,” they are required to “spend down” to these limits before they can qualify.

My clients found themselves in need of immediate Medicaid planning. They applied for Medicaid and found out how much they had to spend down. Then they purchased a new car, two final expense trusts, and authorized a long list of repairs and furnishings for their house. By the end of March they had spent down to the proper limits and qualified. In addition they put in place a Durable Power of Attorney for finances and property as well as a Durable Power of Attorney for health care.

More needs to be done during this first year of Medicaid coverage. They have scheduled a meeting with a local estate planning attorney to iron out the details. The point is that Medicaid planning is an important part of retirement planning. Every citizen should learn what it is and how to carry it out.

RECOMMEnDED vACCinATiOnS FOR SEniORS CONTINuEd fROM PaGE 3

or HIV. These vaccinations are covered under Medicare Part B.

Meningitis: Adults 55 and younger who have never been vaccinated, have had their spleen removed, have certain blood deficiencies or plan to travel to parts of the world where meningitis is common, should receive the meningococcal conjugate vaccine. Adults 56 and older should receive the polysaccharide vaccine. Covered by most health and Medicare Part D plans, this shot will cost around $100 to $150

if you have to pay out-of-pocket.

To help you get a handle on which vaccines are appropriate for you, take the CDC “What Vaccines Do You Need?” quiz at www2.cdc.gov/nip/adultimmsched. Also, talk to your doctor during your next visit about what vaccinations you should get.

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.

50 plus! . May 2012 . 5

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By Tara Meissner 50 Plus Correspondent

WHITELAW — There is no shortage of problems, from small personal ones to much bigger problems.

Joe Euclide’s book “The Solutionist” aims to provoke thought to change the way people look at both their personal life and, in a much broader sense, the world. A big part of the non-fiction book relies on extensive research to get all the facts out in the open.

“I started to get close to retirement, and I started getting ideas on how we are living our lives compared to how we should be living,” Euclide said.“‘The Solutionist’ stresses not only simple changes we can each make, but a way we can work together to solve many of our major problems. It touches on many personal issues and issues that are much broader and challenging.”

Euclide, 70, of Whitelaw, said politics today are ridden with such polarization that each side thinks they have the answers.

“In the past, it seems to me, the parties were able to work together,” he said. “Now, it seems to have changed to

an all-or-nothing attitude. The very rich seem to think they run the whole world; they are doing a very good job of fooling people,” he said.

Euclide has been working on “The Solutionist” since he retired in 2008. He held positions of village manager and director of public works, utilities, engineering, and community development for municipalities in Illinois and Wisconsin, ranging in size from 15,000 to 50,000 people. He also worked in the private sector as a design engineer, planning engineer, report coordinator, manager of engineering, and has owned and managed a planning and engineering consulting business. Euclide has received state and national awards for projects that he managed.

Work AttitudesOne chapter of “The Solutionist” focuses on the way society looks at work.

“We play when we are young and when we retire,” Euclide said. “We think of work as a bad thing that we have to put up with. In reality, it gives us something to contribute and be proud of.”

He says we are so busy in our middle

‘ThE sOluTIONIsT’ aims to provoke thought to change the way people look at life

6 . May 2012 . 50 plus!

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Residential Care Apartment Complexes are independent apartment units inwhich a person can receive up to 28 hours per week of supportive care, personalcare, and nursing services. Therapy services are only 3 days a week. Your stay is notcovered by your insurance.

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lives we don’t have time to do much else.

Euclide respects all forms of work — from cleaning toilets to research scientists — as valuable. Yet perhaps most valuable is working for change.

He is hoping people will read the book and take action by picking a problem that needs a solution and supporting it.

“Take some time to take up a cause and work towards it,” he said. “When someone chooses to work for a cause, we can work miracles.”

Euclide’s book is not preachy; he is upfront and admits that he doesn’t have all the solutions. The aim of the book is to try to teach people to think about the problems in their own lives and to get them to take action and become “solutionists.”

Another chapter of “The Solutionist” is about incorporating art and music into personal life, and the benefits of such enrichment.

“The Solutionist,” published earlier this year, is available in electronic format on amazon.com and smashwords.com downloadable on readers such as the

Kindle and Nook.

One reviewer on Amazon wrote the following: “This is a great book and a must read for everyone. It discusses thoughtful yet simple ways that we can all contribute to the greater good ... It's thought provoking and well written. You may not agree with all of the ideas presented but it will get you thinking. Positive thinking leads to positive action. This book is a step in the right direction.”

“An interesting book by someone who seems to have a passion for making the world run better, and smarter. He goes into detail on certain things like schooling, schedules, government, taxes, but leaves other ideas less developed, in hopes that other “solutionists” will take the lead to create ideas,” another reviewer wrote.

Euclide decided to take the self-publishing route because of the changes in the publishing industry.

“It is very difficult to break in unless you are already an established author,” he said.

Euclide also runs a business helping

others to self-publish their literary projects electronically. He can be contacted through his website: me-too@eu.2llc.com. People can request hard copies of “The Solutionist” through this website as well.

Personal HistoryEuclide grew up in Green Bay and graduated from Premontre High School (now Notre Dame Academy); he graduated from the University of Wisconsin with a Bachelor of Science degree in civil engineering and a Bachelor of Science degree in city planning. He now lives in rural Manitowoc County with his wife.

He has been writing poetry since he was 17 years old. His next book, “Another Season,” includes more than 100 of his poems.

Euclide doesn’t plan to stop there; he is working on at least two more books. One is a collection of humorous stories, embellished from true life. Also, he is working on a book based on interviews with people about who they are.

“I’m not sure most of us know,” Euclide said.

One chapter of “The Solutionist” takes a look at finding the time to do things you want to do, while still completing the things you have to do. For Euclide, biphasic sleeping is the key, where you sleep in 45-minute increments and then get up and do something, which reduces the number of hours one actually spends sleeping.

It is natural for Euclide to wake up at 2 or 3 in the morning, go to work on writing, and then go back to sleep. He also admits to taking an afternoon nap.

When he writes, he works on a computer with two monitors: one to track research and the other to write. Sometimes he has one set to television while writing on the other.

He belongs to the Manitowoc Writers Club: Minds without Boundaries, a club his daughter Amanda Linsmeier introduced him to.

“It has been very helpful,” Euclide says.

Tara Meissner is a freelance writer in Manitowoc. She can be reached at (920) 860-6957 or tarameissner@yahoo.com .

‘ThE sOluTIONIsT’ aims to provoke thought to change the way people look at life

50 plus! . May 2012 . 7

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Hours: M-F 9 a.m. - 6 p.m.Sat 9 a.m. - 1 p.m.

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important

HEALTH COLUMn: GOALS iMpORTAnT TO GOOD HEALTH

It’s important to have goals in life, especially when it comes to your health.

You may already have goals related to healthy behavior — walking two miles a day, eating less than 2,500 calories a day, and reducing your weight by a pound a week are all great goals to have.

And you’ve probably had your blood pressure, cholesterol or blood sugar tested at some point and may even be taking medications related to these. But do you know what your goal blood pressure is? What about your goal cholesterol level or blood sugar? Whether or not you have diabetes, high blood pressure or heart disease, it is important to know what your “numbers” are and to have an idea of what these numbers should look like.

Setting a goal and working to achieve that goal is a great way to feel good about yourself, no matter what type of goal that is. The focus of this article will be on setting goals related to your health, with specific focus on these common values.

Healthcare goals should be individualized to you, taking into account your past medical history, family history and current medical conditions. Healthcare goals should also have three characteristics — they should be realistic, specific and measurable. A goal of losing a pound a week is realistic, while losing 40 pounds this month is not. A specific goal would be to eat no more than 2000mg of sodium a day while eating better would not be specific. Walking a mile three times a week is measurable while simply walking more is not.

When first diagnosed with high blood pressure, high cholesterol or diabetes, most patients are a bit overwhelmed with the amount of information that is available on these conditions. Indeed there is a vast quantity of books, magazines and websites dedicated to providing patients with tips, ideas, and solutions to their questions.

However, knowing the goal of your treatment is one of the most important things for a patient to learn. It’s also important to know that the medications

being used to treat these conditions are not cures. Reaching your healthcare goal is a great accomplishment but your job is not done. You will need to continue doing the things that have gotten you there, including taking your medications.

What should your healthcare goals be? Here are some commonly used goals that are actually based on a consensus of national experts. Keep in mind that your healthcare provider may set a different goal for you, depending again on your specific needs.

However, for most people the goal blood pressure should average less than 140/90. As far as blood pressure goes, both numbers should be kept in mind — if one is below but one is above the goal then you have not yet reached your goal. If you have diabetes or chronic kidney disease, your goal blood pressure should

be less than 130/80. Unfortunately, most people will require at least two different blood pressure medications to reach

the goal value.

Knowing your goal cholesterol level is a little bit trickier. First of all, your total cholesterol (TC) is actually made up of three different components — HDL (the good cholesterol), LDL (the bad cholesterol) and TG (triglycerides). So there are actually four different numbers to keep in mind and thus four different goals.

Generally speaking your goal total cholesterol should be less than 200. Your goal triglyceride level should be less than 150. And your goal HDL should be above 40 if you are male or above 50 if you are a female (here higher is better).

What about your goal LDL? This actually varies depending on how many risk factors for heart disease are present. Risk factors include smoking, having

Marvin Moore, pharmd is a pharmacist and owner of The Medicine Shoppe in Two Rivers and can be reached at (920) 794-1225.

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If you have diabetes, heart disease or are otherwise deemed to be at high risk, your goal should be less than 100. If you have 2 or more risk factors but don’t have diabetes or heart disease your goal LDL should be less than 130. If you have one or none of the above mentioned risk factors, your goal LDL should be less than 160.

For patients with diabetes, there is one more goal to keep in mind. Your hemoglobin A1c (often times simply referred to as A1c) is related to your blood sugar level over the last three months — the higher the A1c, the higher the average blood sugar. The American Diabetes Association (ADA) recommends the A1c should be less than 7, although for the elderly the ADA believes a goal of less than 8 is acceptable.

Again, these are all goals that were established by a national panel of experts and are meant to be guidelines for your healthcare providers to follow. Some will choose to be more aggressive (i.e. set your goal cholesterol numbers even lower than this) and this isn’t necessarily a bad thing. What’s important is that you know what your goals are and that you know how you are going to achieve these goals, whether through making lifestyle changes, taking medication, or as is often the case, through a combination of both.

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Please attend this seminar session. Hear from our guest speaker and enjoy a light lunch. Also have your questions answeredregarding funeral options from our Licensed Pre-Need Specialist John Bodwin.

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When people leave the hospital, they often need continued carein order to recover completely. That’s where we come in. Ournursing and rehabilitation center provides intensive, short-termrehabilitation and compassionate long-term care with specialtiesin the areas of dementia and Alzheimer’s care. We invite you topay us a visit and see for yourself what outstanding healthcare isall about.

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