Welcome to the 27th edition of Fifty Plus Advocate’s Elder Care Resource Guide.
After more than a quarter of a century of providing this free resource to our readers, we remain committed to helping you navigate the increasingly complex world of aging, for both you and your family members.
Inside, you’ll find a comprehensive directory of services and providers that will help guide your decision-making during this phase of life. From legal issues to health care, housing to transportation, to caregiving and other forms of support, older adults often have specialized needs, and we’ve compiled this information here to save you time and trouble.
Information is power, and the better informed you are, the more likely you are to make good decisions based on facts. We’ve also included a few articles that provide some in-depth information about some of the challenges and decisions people often face both for themselves and as caregivers and decision-makers for loved ones.
We hope you find Fifty Plus Advocate’s Elder Care Resource Guide a valuable tool for the aging journey, one that you’ll continue to refer to in the future as your needs and priorities change.
1 and 2 Bedroom
Subsidized through HUD’s Section 8 Program for the elderly and handicapped. Rents are based on 30% of adjusted monthly income. Conveniently situated in downtown Gardner, Binnall House features air conditioning, wall-to-wall carpeting, and modern applianced kitchens. Other features include solarium, activity rooms and an active senior population.
125 Connors St., Gardner, MA 01440 978-632-9650 • U.S. Relay: 711
FAITH is the key that unlocks the storehouse of God’s resources. Before any need can be met, our faith must find expression.
FAITH is the bridge between you and God. It is the bridge with God has ordained. I pray that I may cross this bridge of faith and receive the spiritual power I need.
FAITH is not merely holding on to God. It’s God holding on to you.
What to know about upcoming Medicaid changes
By Sharon Oliver Contributing Writer
REGION – Now that the One Big Beautiful Bill (OBBB) was passed and signed into law on July 4, 2025, millions of citizens wonder how it will affect them. One program in particular, Medicaid, is of increased concern. To cut down on confusion for enrollees, it should be noted that the program may go by a different name according to your state. For example, in nearby Connecticut it is called Husky Health but in the Commonwealth of Massachusetts it is known as MassHealth. Name changes were often done in an effort to reduce the stigma sometimes associated with federal assistance but each state has the authority to set eligibility and coverage guidelines for enrollees.
Getting over the hurdles
OBBB’s sweeping changes have prompted several experts into taking a deep dive as to what it all means for those who depend upon Medicaid. First, there are around 11 million Americans ages 50 to 64 who are enrolled in Medicaid and rely on it for everything from doctor’s visits to hospital stays to prescription medications. Many enrollees 65 and over along with those with disabilities rely on Medicaid for long-term care needs like nursing home care and home health aides’ services. One in three Massachusetts residents rely on Medicaid (MassHealth) for health coverage. However, it is estimated that 325,000 or more people in Massachusetts will lose health care insurance by 2034 due to the changes in Medicaid and the ACA premium tax credits.
State officials are concerned about people who rarely go for doctor visits losing their coverage due to being unaware of changes or those with mental illness and substance use challenges having trouble keeping up with requirements. In a Boston Globe article, Mike Levine, assistant secretary for MassHealth, the state’s Medicaid administrator, said, “This is more about,
frankly, Congress putting administrative burdens between people and their health care, but we have a really good playbook for getting over those hurdles.”
Those at risk of losing coverage in the state include approximately 200,000 people on Medicaid. Levine further advised residents, “Keep seeking care. Take your meds. You don’t need to hoard them. You are not losing coverage tomorrow.”
New requirements
Among other things, OBBB will require states to check the eligibility of people on the ACA expansion of Medicaid every
conditions. He emphasized that those whom the state cannot confirm will be notified that their coverage is at risk and will need to prove their eligibility.
In addition to care services in nursing homes, assisted living facilities, and adult foster care homes, MassHealth pays for non-medical services and supports helping fragile seniors live in their homes.
As for Social Security, the new law introduces a “senior bonus” deduction on federal income taxes for those 65 or older. Low-income seniors who already pay zero tax on Social Security benefits won’t see any change under the new law.
Approximately 200,000 people in Massachusetts are at risk of losing Medicaid coverage due to sweeping changes made in the One Big Beautiful Bill (OBBB) Act passed in July.
six months instead of annually, calls for minimum staffing ratios for nursing homes and requires recipients ages 19 to 64 to work at least 80 hours per month with some exemptions added. The New York Times estimates only about three percent of Medicaid recipients are able to work.
MassHealth’s assistant secretary Mike Levine stated that MassHealth hopes to conduct extensive background checks on enrollees to prove their eligibility, including reviewing Department of Revenue records to confirm employment or past claims for references to exempting
Seniors with incomes above $175,000 for individuals, or $250,000 for couples, are not eligible for the deduction, meaning the poorest and wealthiest beneficiaries won’t benefit from this change.
The law also reverses aspects of Medicare’s price negotiation program, which allows for more drugs to be exempt and an increase of costs for consumers. Adults, along with parents of children, particularly covered by Medicaid, may be worried about having access to routine immunizations. However, the law does not mention vaccines, change eligibility or benefits for children’s Medicaid.
Christopher
your own private apartment. Don’t weather the seasons alone, let us take care of you To learn
Family is everything at
SALMON
Health and Retirement
REGION – In 1952, nurses Dan and Helen Salmon, who were also husband and wife, had a vision – to build a community where residents, regardless of age or health, would be treated with compassion, dignity, and respect. Later that year, they opened their first nursing home on the site of a former Northborough restaurant.
For Dan and Helen, caring was a way of life, and every resident was treated like family. When they moved on to a larger community in Northbridge, their growing family lived among the residents – Dan and Helen lived in the basement, while their five children occupied the attic. Years later, when their son Dan Jr. and his wife Dottie took ownership, they began their married life on the property as well.
Though the company has expanded greatly over the last 70 years, it’s managed by the same family and maintains the same values today. Focused on treating residents with respect, compassion, and dignity – like you’d treat a family member – SALMON Health and Retirement has become Central Massachusetts’ preeminent provider of senior living and healthcare.
“Family – that’s what it’s all about,” said Matt Salmon, the company’s CEO and a member of the third generation of ownership. “You do more for your family, we do more for people. That’s what makes us different. It’s always about dignity and respect. We have a job where we’re in someone’s home, and so that’s always the most important to us.”
“Do More,” one of the founders’ original mottos, has turned into a central principle at SALMON, which has senior living campuses in Medway, Natick, Northborough, Westborough, and Worcester. All 1,400-plus employees are expected to go the extra mile to provide more than the standard level of care –they’re creating an experience, a positive environment, and a place that residents are proud to call home.
“I take tremendous pride in it – I think the whole family does. We live in the communities where we work, so you run into these families at the grocery store. Hearing what we did for someone’s mother, husband, wife – it just makes a difference, and that’s the motivation,” said Salmon.
“Do More” also means being there every step of the way for residents. SALMON offers a continuum of care, helping residents live as independently as possible as they age. SALMON properties offer several care options: independent living in The Willows, assisted living and memory care in Whitney Place, and skilled nursing and rehabilitation at Beaumont. Through SALMON HomeCare, visiting nurses, private care options, and hospice services are also available.
For SALMON, taking care of people isn’t just a business – it’s a privilege.
“There’s pride in other industries, of course,” said Salmon. “But there’s another level of pride in what you do having such an impact on people. Here, we treat everyone like they’re family, and there’s such pride in providing excellent care for residents and families.”
The commitment to top-notch, compassionate care has unfortunately become difficult to find in the modern marketplace. Too often, healthcare companies are forced to focus on the bottom line before their residents, sacrificing care and connection to
Helen Salmon – The beginning of a family legacy.
Dan
appease shareholders. Not at SALMON, which understands that buildings don’t mean anything without the people within them.
Local, with no large outside investors, it’s that commitment to care that makes SALMON shine.
“It’s service-driven first. We’re not driven by quarterly results,” said Salmon. For more information on SALMON, visit https://salmonhealth.com/.
The company has campuses in:
• Medway (The Willows, Whitney Place)
• Natick (Whitney Place, Beaumont)
• Northborough (Whitney Place, Beaumont)
• Westborough (The Willows, Whitney Place, Beaumont)
• Worcester (The Willows)
Matt and Andrew Salmon at the 2021 grand opening of The Willows & Whitney Place in Medway, MA.
Dottie and Dan –2nd Generation
Helen and
–Founders
Medicare vs. Medicare Advantage can be a complicated decision
By Sharon Oliver Contributing Writer
REGION – As people reach the qualifying age for receiving Medicare, the amount of mail or television ads about Medicare and Medicare Advantage can seem confusing. Factor in the new One Big Beautiful Bill Act (OBBB), it then becomes overwhelming for many. Medicare is the federal health insurance program designed for people over age 65, as well as those under 65 with qualifying disabilities and those with end-stage renal disease, and Lou Gehrig’s disease (also known as amyotrophic lateral sclerosis and ALS). Medicare Part A (inpatient care) and Part B (outpatient care) are known as original Medicare.
If you are only eligible for Medicare because you have end-stage renal disease (ESRD) and your condition improves, your
Medicare coverage may end if you no longer need dialysis. However, your ESRD Medicare coverage can resume if, within 12 months of stopping dialysis, dialysis begins again or if you have a transplant.
TRICARE is a uniformed services health care program for active-duty service members, active-duty family members, National Guard and Reserve members and their family members, retirees and retiree family members, survivors, and certain former spouses worldwide. If you are eligible for both TRICARE and Medicare Part A, then in most cases, you must have Medicare Part B to keep TRICARE. It is also important to understand how Medicare and TRICARE work together and when to buy Part B.
What it covers
Medicare Part A covers a portion of hospitalization costs while Part B covers
doctor bills and other medical expenses such as lab tests and some preventive screenings. Medicare Advantage, or Medicare Part C, refers to plans provided by private insurance companies. These plans offer coverage comparable to the original Medicare as well as some additional benefits, such as vision or dental coverage, gym memberships, hearing aids and exams and an over-the-counter drugs allowance. While Medicare Advantage plans may have lower or even zero cost premiums, they may have more limited provider networks, geographic coverage limitations, and caps on coverage amounts for extra benefits like dental, vision, and hearing.
Choosing a Medicare Advantage plans varies from state to state and depends on budget, care needs, desired benefits and preferred doctors. Statewide potential enrollees can find a comprehensive list
Just How Well Prepared
Josephine L. Veglia, Esq.
Review the pros and cons carefully of both traditional Medicare and Medicare Advantage plans before making a coverage decision.
of companies who offer Medicare Part D for prescription drug coverage. You can also purchase a Medicare supplement plan (Medigap) to help cover any costs not covered by Medicare, such as copays and deductibles.
One Big Beautiful Bill Act changes
Effective immediately, the new law strips Medicare eligibility from certain groups of legal immigrants, regardless of if they have worked and paid Medicare taxes. This includes people with Temporary Protected Status, refugees, and asylum seekers who have not yet obtained green cards, individuals with temporary protected status, survivors of human trafficking, domestic violence and those granted humanitarian parole.
The law imposes a nine-year ban on implementing improvements to Medicare Savings Programs (MSPs), which help lower-income Medicare beneficiaries pay for premiums and out-of-pocket costs. The Congressional Budget Office (CBO)
estimates this will save over $66 billion over 10 years. However, these “savings” come from preventing eligible beneficiaries from accessing programs designed to make Medicare more affordable.
Enrollment and savings options
Medicare has several key enrollment periods. The Initial Enrollment Period (IEP) is seven months around your 65th birthday, the Annual Election Period (AEP) is from October 15 to December 7 (for plan changes), and the General Enrollment Period (GEP) is from January 1 to March 31 (for those who missed the IEP). The Medicare Advantage Open Enrollment Period (MA OEP) is from January 1 to March 31 (for Massachusetts plan members to switch plans). Special Enrollment Periods (SEPs) are also available for certain qualifying life events, such as moving or losing other coverage.
Anyone who signs up for Part A or Part B during a Special Enrollment Period because of an exceptional situation (like a
natural disaster or emergency), will have two months to join a Medicare Advantage Plan (with or without drug coverage) or a Medicare drug plan (Part D). Coverage will start the first day of the month after your request to join is received.
Massachusetts offers various health savings options, primarily through Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). HSAs are taxadvantaged accounts for individuals with high-deductible health plans (HDHPs).
Contributions are tax-deductible, and withdrawals for qualified medical expenses are tax-free. FSAs allow employees to set aside pre-tax dollars for medical expenses. The state also has programs like the Health Connector, which helps residents find affordable health insurance options. The Connector also offers information on tax credits and subsidies for eligible individuals and families.
Resource List — Fall
AGING SERVICE
ACCESS POINTS
The state’s nonprofit Network/Aging Service Access points allow individuals to live independently at home. They offer supportive social services, information and referral, case management, personal care, homemaking, transportation, chores, shopping, laundry, personal care, friendly visitors, congregate and home-delivered meals, home health, social day care, respite, protective services and crisis intervention.
Aging Services of North Central Massachusetts (formerly Montachusett) 680 Mechanic St., Leominster 978-537-7411; 800-734-7312 www.agingservicesma.org
Alain Valles
145 Schoolhouse Ln., Hanover 781-724-6221
Binnall House
125 Connors St., Gardner 978-632-9650
www.binnallhouseapartments.com
Boston Senior Home Care Lincoln Plaza 89 South St., Ste. 501, Boston 617-451-6400
www.bshcinfo.org
Bristol Elder Services, Inc.
1 Father DeValles Blvd., Unit 8, Fall River 508-675-2101 www.bristolelder.org
Central Boston Elder Services 2315 Washington St., Boston 617-277-7416 www.centralboston.org
Central Mass. Agency on Aging, Inc. 330 SW Cutoff, Ste. 203, Worcester 508-852-5539; 800-244-3032 www.seniorconnection.org
Coastline Elderly Services, Inc. 863 Belleville Ave., New Bedford 508-999-6400 www.coastlinenb.org
AgeSpan
(formerly known as Elder Services of Merrimack Valley, Inc.)
280 Merrimack St., Ste. 400, Lawrence 800-892-0890; 978-683-7747 www.agespan.org
Western MA: 413-773-5555, Central MA: 978-544-2259 www.lifepathma.org
Mass Options
800-243-4636
www.massoptions.org
Provides MassHealth-eligible elders at imminent risk of nursing home placement with increased home care services such as personal care, home health assistance, transportation services
Minuteman Senior Services
1 Burlington Woods Dr., Suite 101 Burlington 781-272-7177; 888-222-6171 www.minutemansenior.org
Mystic Valley Elder Services, Inc.
300 Commercial St., Ste. 19, Malden 781-324-7705
www.mves.org
Areas Served: Chelsea, Everett, Malden, Medford, Melrose, N. Reading, Reading, Revere, Stoneham, Wakefield and Winthrop
Old Colony Elderly Services, Inc.
144 Main St., Brockton 508-584-1561
www.ocesma.org
PACE —
Program of All-Inclusive Care for the Elderly
Mass. Health/Medicaid Customer Service Center: 800-841-2900
Audio Journal’s mission in Central Massachusetts is to connect individuals with a visual impairment, or an inability to access print materials, to their communities through broadcasting of local news, information, and entertainment, with exclusive programs and content.
Heidi’s Hearing, Inc.
1 Hollywood Dr., North Grafton 508-796-5899 www.heidishearing.com
Affordable Living at its Best
Income Guidelines: $51,950 single / $59,400 couple
Available occupancy to income eligible mature adults (62 years of age and older) or permanently disabled. Applicants must meet HUD annual low income guidelines. Qualified Applicants pay 30% adjusted gross income.
• Heat and Hot Water Included
• 24 Hour Emergency Maintenance
• Non-Smoking Community
• Small Pets Welcome!
• Bus Route / Ample Parking
• Beautiful Landscaped Grounds with Gazebo, Walking Paths and Garden Plots
• Physical Fitness Center
Sherwood Village Apartments
143~145 Mill Street, Natick, MA Call at 508-651-1811 For Details
Relax in Park-like setting
ELDER LAW
Boston College Legal Services LAB
885 Centre St., Newton 617-552-0248
www. bclawlab.org/
The Boston College Legal Services LAB office is a community law office staffed by students and faculty from BC Law School.
Disability Law Center, Inc.
11 Beacon St., Ste. 925, Boston
800-872-9992; www.dlc-ma.org
Provides free legal assistance and information to people with disabilities throughout Massachusetts
Durbin and Veglia Attorneys at Law
2 Jackson Ct., Oxford 508-987-3981
www.durbinandveglia.com
Greater Boston Legal Services
197 Friend St., Boston 617-371-1234; www.gbls.org
Provides free civil (non-criminal) legal assistance to low-income residents in Boston and 31 additional cities and towns
Harvard Legal Aid Bureau
23 Everett St., First Floor, Cambridge 617-495-4408
www.harvardlegalaid.org
Provides free legal services to low-income residents in Middlesex and Suffolk counties
Intellestate Law
300 West Main St., Ste. A1-1, Northborough 774-280-8639
Provides legal referrals, information and advice with regard to mental health issues
Pension Assistance Project Gerontology Institute
UMass — Boston
Wheatley Hall, 3rd Fl., Rm. 124A
University of Massachusetts — Boston
100 Morrissey Blvd., Boston 617-287-7307; 888.425.6067
www.umb.edu/pensionaction
Offers counseling and assistance for citizens on their pension rights
10 things to consider when selecting care facilities or an in-home caregiver
By Sharon Oliver Contributing Writer
REGION - No child imagines having to search for a care facility or an in-home caregiver for a loved one once they reach adulthood. Yet, millions of people find themselves in that predicament every year. The situation is overwhelming enough, so finding the right facility or in-home caregiver should bring some relief.
The average person prefers to age at home for as long as possible. However, life’s circumstances may cause a need for additional support and there is so much to consider. For example, there is coping with stress and burnout, finances, Medicare benefits, veterans’ benefits, respite care, possible guardianship, and much more. For some, adjustments like walk-in showers and stairlifts may be needed in the home in order to make life more comfortable for the family member. There are even scholarships available for young people who are caregivers but are also trying to complete their high school, college or graduate-level education.
Here 10 things to consider if or when you are faced with having to choose a care facility or in-home caregiver.
Millions of people every year are faced with having to choose a care facility or inhome caregiver for a loved one.
What to do when looking for a care facility
1 Obviously, a person’s needs determine the type of facility necessary. Make sure the facility caters to specific needs such as hospice, dementia, physical therapy, etc.
2 Once you have narrowed down your choices, call and make a visit to the facilities.
3 Take a second trip without calling, meet with staff members, attend activities and take note of cleanliness and meals.
4 Bring the Medicare Nursing Home Checklist along on your visit and look for things like state licensing, and Medicare and Medicaid certification.
How to choose an in-home caregiver
1 Personal care aides (PCAs) are not licensed but are typically trained to provide help with bathing, dressing, meals and light housekeeping.
2 Aside from providing the same duties as a PCA, Home health aides (HHAs) also monitor patients’ vital signs.
3 Choosing an in-home caregiver who provides companionship and is a great conversationalist and listener is a plus.
4 A caregiver who can take care of light shopping, medical appointments and pick up prescriptions is another stress reducer.
5 Use Medicare’s Home Health Compare as a tool for finding health agencies in your area.
5 Location matters so think of proximity for visits.
6 Get information on costs, contracts, Medicare, Medicaid and long-term care insurance availability.
7 Is there a physician who checks on residents on a regular basis?
8 How are residents transported to medical appointments?
9 Make sure you have clarity about contract agreements and ask questions if unsure.
10 If possible, seek recommendations from others who are familiar with the facilities you are considering.
6 If pets are in the home notify potential aides and/or agencies about them in case there are concerns about allergies and phobias.
7 Home care aides don’t usually come with nursing degrees so keep that in mind if your loved one needs injections or other medical assistance.
8 Decide on how you want to hire. Agencies take care of tasks like payroll and scheduling. Hiring a private in-home caregiver means you are responsible for paying wages and management.
9 Also, decide on how much experience matters. Are you comfortable with five years or even less experience in home care or is more experience preferred?
10 Be sure to agree on a work schedule of hours and days that benefits all parties.
What’s New?
13
Individualized
Access
State-of-the-art
It’s the latest
FAMILY CAREGIVER SUPPORT
American Cancer Society
800-227-2345
www.cancer.org
Offers discussion board, support groups and resources
American Diabetes Association
1-800-DIABETES (800-342-2383)
www.diabetes.org
Provides research, information and advocacy
American Heart/ Stroke Association
300 5th Ave., Ste. 6, Waltham 781-373-4500
www.americanheart.org
Provides outreach, support group info
The Arthritis Foundation
800-283-7800
www.arthritis.org
Message boards, information and advocacy
Boston Senior Home Care
89 South St., 5th Floor, Ste. 501 Boston 617-451-6400
https://bshcinfo.org
Offers caregivers support, counseling, information, respite, information and referral
Catholic Charities
Archdiocese of Boston
275 W. Broadway, Boston 617-464-8500
www.ccab.org
Offers social service programs for Eastern MA seniors such as home visiting, adult day health, visiting nurse services and basic services such as food, fuel, utility, and rental assistance
Central MA Agency on Aging, Inc.
330 SW Cutoff, Ste. 203, Worcester
508-852-5539; 800-244-3032
www.seniorconnection.org
Serves caregivers in the Worcester area and surrounding communities
Elder Services of the Merrimack Valley, Inc.
280 Merrimack St., Ste. 400 Lawrence 800-892-0890
www.agespan.org
Elder Services of Worcester Area, Inc.
67 Millbrook St., #100, Worcester 508-756-1545
www.eswa.org
Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester
Fifty Plus Advocate
www.fiftyplusadvocate.com/ category/caregivers/
Provides listings of caregiving programs, services, information, education and links to help family caregivers assist elderly loved ones. It also offers pertinent late breaking news
Mass. Family Caregiver Support Program
(transitioning to MassOptions)
800-243-4636
www.mass.gov/elders/caregiversupport
www.massoptions.org
Empowers elders and caregivers by providing information, education, support and services that enhance quality of life. It is administered by the Executive Office of Elder Affairs, in coordination with the Area Agencies on Aging/Aging Services Access Points throughout the Commonwealth of Massachusetts
National Multiple Sclerosis Society
465 Waverley Oaks Rd., Ste. 202 Waltham
800-344-4867
www.msnewengland.org
Offers education, support and advocacy
Oriol Health Care
52 Boyden Rd., Holden
508-829-1111
Admissions@oriolhealthcare.com
OriolHealthCare.com
Seven Hills Family Services
Adult Family Care
Contact: Marnie Dow, Director, Home Care Services
799 W. Boylston St., Ste. 130 Worcester (508) 756-4696 www.sevenhills.org
FINAL ARRANGEMENTS
Hays Funeral Home
56 Main St., Northborough 508-393-6591
www.haysfuneralhome.com
Mercadante Funeral Home & Chapel
370 Plantation St., Worcester
508-754-0486
www.mercadantefuneral.com
Shaw-Majercik Funeral Home
48 School St., Webster
508-943-6278
www.shaw-majercik.com
HOME CARE
Professional Caregiving for Independent Senior Living
Seniors are steadfast in their independence as homeowners and community members. Health, happiness, and comfort are at the core of choosing to live independently in their own homes. At the point when daily activities require assistance, independent seniors choose Home Care. The Family Services of Central Massachusetts (FSCM) Home Care program supports “aging in place,” and eases the demands of independent living with the Senior Living Care (SLC) Suite of Services, which include:
• Companionship
• Respite Care
• Personal Care
• Light Housekeeping
• Meal Preparation
• Laundry
• Shopping
• Prescription Pickup
• Medication Reminders
FSCM Home Care is an affordable option to Assisted Living facilities and helps seniors create a safe, supportive SLC Suite of Services tailored to their needs. Let the talented, professional and passionate FSCM Home Care aides help you or your loved one live life to the fullest potential in the comforts of home.
Scan the QR Code to learn more or contact 508.756.4696, mdow@sevenhills.org, today!
HOSPITAL/ REHABILITATION
Fairlawn Rehabilitation Hospital (an affiliate of Encompass Health)
799 W. Boylston St., Ste. 130, Worcester (508) 756-4696
www.sevenhills.org
Visiting Nursing & Community Care
37 Broadway, Arlington 781-643-6090
www.thevisitingnurses.com
MEDICARE/ MEDICAID CONSULTANTS
Heart to Home Meals
289 Elm St., Ste. 102, Marlborough 508-658-3000
www.hearttohomemeals.com
Massachusetts Division of Medicare Advocacy Project
197 Friend St., Boston 800-323-3205; www.gbls.org
Answers telephone queries and provides free advice and legal representation
MassHealth Enrollment Centers
Enrollment Centers are open for limited walk-in appointments. MassHealth encourages applicants to use the new appointment scheduler (at www.mass.gov/info-details/ schedule-an-appointment-with-amasshealth-representative) if they need assistance from a MassHealth Customer Service Representative.
MassHealth Customer Service: 800-841-2900
MassHealth applications can be completed online at: www. mahealthconnector.org
MassHealth Enrollment Centers can help with applications, but they are not able to enroll applicants into a health plan.
Do not send an application to any of these enrollment centers.
Please mail it to:
Health Insurance Processing Center PO Box 4405 Taunton, MA 02780
Reverse Mortgages Reduce Uncertainty
Change Brings Uncertainty — Are You Prepared?
I’m hearing:
• Social Security and VA benefits might be changing
• Retirement accounts plummeting
• Tariffs increasing
• And, the unknown financial surprises that we all face
The Good News — Reverse Mortgages
A reverse mortgage may be your solution to reducing financial stress and being able to afford your home. A reverse mortgage is a government guaranteed loan that allows qualified 62-years or older homeowners to receive tax-free cash when needed or desired.
Primary Benefits of a Reverse Mortgage Are:
• No monthly mortgage payments are required
• Note — you must pay your homeowners insurance, real estate taxes, and meet loan guidelines
• Eliminate your current mortgage or equity line payment
• Receive a lump sum amount of cash, a monthly check, and/or a line of credit that grows as you get older
• No minimum credit score required
• May be used to pay off current mortgage and other debts
MassHealth Enrollment
Center Locations:
Charlestown
529 Main St.
Charlestown, MA 02129
Chelsea
45 Spruce St. Chelsea, MA 02150
Springfield 88 Industry Ave., Ste. D Springfield, MA 01104
Taunton
21 Spring St., Ste. 4
Taunton, MA 02780
Tewksbury
367 East Street
Tewksbury, MA 01876
Quincy
MassHealth Central Office
100 Hancock St., 1st floor Quincy, MA 02171
MassHealth is a state sponsored program that pays for nursing and other medical services for financially eligible individuals residing at home or in nursing facilities, rehabilitation hospitals and state hospitals. Eligibility is based on medical and financial criteria.
Oriol Financial Services
52 Boyden Rd., Ste. 209, Holden 508-829-1111
St. Mary Health Care Center
39 Queen St., Worcester 508-753-4791
www.stmaryhc.com
St. Mary is a nonprofit Catholic health ministry in service to all.
NUTRITION
Massachusetts Elderly Nutrition Program Information
To find the closest agency, call 800-243-4636.
www.mass.gov/nutrition-programfor-seniors
Provides nutritious meals at home through meals on wheels and congregate meal sites
Food
Stamp Program (SNAP)
To contact Department of transitional Assistance (DTA) about SNAP, call the DTA Assistance Line at 877-382-2363
www.mass.gov/snap-benefitsformerly-food-stamps
Project Bread Food Stamp Hotline
(Hotline available in 180 languages, M–F 8am–7pm, Sat 10am–2pm) 800-645-8333
www.projectbread.org
If you or your family is facing hunger right now, we want to help. Call our Food Source Hotline above or visit www.projectbread.org get-help/ to find resources.
Farmers’ Market Program
www.mass.gov/farmers-marketnutrition-program
Senior Nutrition Agencies distribute coupons to eligible seniors in July. Call the agency in June for a distribution schedule. Find out if you’re eligible to receive coupons by clicking on the “Check Eligibility” link at the web address above.
Greater Boston Food Bank
70 S. Bay Ave., Boston 617-427-5200
www.gbfb.org
The Greater Boston Food Bank (GBFB) partners with 520+ hunger-relief agencies, including food pantries, community meal programs and other food assistance providers throughout the nine counties and 190 towns and cities across Eastern Massachusetts.
Worcester County Food Bank
474 Boston Tpke., Shrewsbury 508-842-3663
www.foodbank.org
Food bank locator: www.foodbank.org/find-food/
SENIOR CARE FACILITIES
Briarwood Retirement Community
65 Briarwood Cir., West Boylston 508-852-2670
www.briarwoodretirement.com
Christopher Heights of Marlborough
99 Pleasant St., Marlborough 508-281-8001
www.christopherheights.com
Heart to Home Meals
289 Elm St., Ste. 102, Marlborough 508-658-3000
www.hearttohomemeals.com
Heywood Wakefield Commons
50 Pine St., Gardner 978–632-8292
www.hwcommons.com
Holden Rehabilitation & Skilled Nursing Center
(an Oriol Health Care Facility)
52 Boyden Rd., Holden 508-829-1111
OriolHealthCare.com
Next Step Healthcare
400 Trade Center Dr., Ste. 7950, Woburn 781-404-3900
www.nextstephc.com
Oakdale Rehabilitation & Skilled Nursing Center
(an Oriol Health Care Facility)
52 Boyden Rd., Holden 508-829-1111
OriolHealthCare.com
The Overlook
88 Masonic Home Rd., Charlton 508-202-4090
www.overlook-mass.org
Pleasant Hill
Retirement Community
96 Crowley Dr., Marlborough 774-214-9017
www.rlcommunities.com
SALMON at Natick:
Whitney Place Assisted Living, Beaumont Rehabilitation and Skilled Nursing
3 Vision Dr., Natick 508-655-5000
www.SalmonHealth.com
SALMON at Northborough:
Whitney Place Assisted Living and Beaumont Rehabilitation and Skilled Nursing
238 West Main St., Northborough 508-393-5655
www.SalmonHealth.com
SALMON at Westborough:
The Willows Independent Living, Whitney Place Assisted Living, Beaumont Rehabilitation and Skilled Nursing
1 Lyman St., Westborough 508-366-4730
www.SalmonHealth.com
SENIOR HEALTH & FITNESS
Fairlawn Rehabilitation Hospital (an affiliate of Encompass Health)
189 May St., Worcester 508-791-6351
www.Fairlawnrehab.org
Oriol Physical Therapy Services
52 Boyden Rd., Holden 508-829-1111
Pleasant Hill Retirement
Community
96 Crowley Dr., Marlborough 774-214-9017
www.rlcommunities.com
Reliant Medical Group
800-283-2556
www.reliantmedicalgroup.org
YMCA Boroughs Family Branch
4 Valente Dr., Westborough 508-870-1320
www.ymcaofcm.org
YMCA Central Community Branch
766 Main St., Worcester 508-755-6101 www.ymcaofcm.org
The AFA Helpline (staffed entirely by licensed social workers specifically trained in dementia care) provides guidance, support, answers, and information about local services seven days a week. The web chat and text message features can serve individuals in more than 90 languages. AFA offers free weekly, telephone-based support groups facilitated by AFA’s licensed social workers, designed to give caregivers a place to connect with one another from anywhere in the country. The AFA also provides a national memory screening program conducted through video conferencing which is free, confidential and open to anyone regardless of age or insurance. The AFA website offers free daily activity and therapeutic programming designed to help individuals affected by Alzheimer’s and their caregivers stay active and engaged including music, art, movement, chair yoga, fitness, meditation, virtual tours and more. Visit www.alzfdn.org/afatealroom.
799 West Boylston St., Worcester 508-797-1117 info@audiojournal.org www.audiojournal.net
Audio Journal’s mission in Central Massachusetts is to connect individuals with a visual impairment, or an inability to access print materials, to their communities through broadcasting of local news, information, and entertainment, with exclusive programs and content.
Beth Israel Deaconess Medical Center
Parkinson’s Disease & Movement Disorders Center
330 Brookline Ave., Boston 617-667-7000
www.bidmc.org
Binnall House
125 Connors St., Gardner 978-632-9650
www.binnallhouseapartments.com
Elder Services of Worcester Area, Inc.
67 Millbrook St., #100, Worcester 508-756-1545
www.eswa.org
Serves Auburn, Barre, Boylston, Grafton, Hardwick, Holden, Leicester, Millbury, New Braintree, Oakham, Paxton, Rutland, Shrewsbury, W. Boylston, Worcester
Heywood Wakefield Commons
50 Pine St., Gardner 978–632-8292
www.hwcommons.com
Mass. Association for the Blind Main Office: 200 Ivy St., Brookline 888-613-2777
www.mabvi@mabcommunity.org
Central MA Office: 799 W. Boylston St., Worcester 888-613-2777
Newton/Wellesley Hospital Neurology Department 2000 Washington St., Newton 617-928-1500
www.nwh.org/medical-services/ neurology
South Shore Hospital 55 Fogg Rd., South Weymouth 781-624-8800
www.southshorehealth.org
Seven Hills Family Services
Adult Family Care
Contact: Marnie Dow, Director, Home Care Services
799 W. Boylston St., Ste. 130, Worcester (508) 756-4696 www.sevenhills.org
VA New England 800-MyVA411 www.va.gov/health-care
SENIOR HOUSING
Bigelow Village
Lewis St., Rutland 508-886-6565 www.bigelowvillage.com
Binnall House
125 Connors St., Gardner 978-632-9650
www.binnallhouseapartments.com
We Love Our Seniors!!
Selling senior’s most valued and valuable asset, their home, and the subsequent move, often requires unique expertise on a number of different fronts. One compelling reason to chose SRSE® is that you’ll gain access to their network of related service professionals. For seniors, that includes specialists across a wide array of financial, legal, property and personals services, from estate planning to downsizing. And SRES® maintains a professional network that includes individuals who can help with various steps of the sale and move, offering assistance on these and other matters.
Diane Luong #1 Massachusetts Homes for Heroes Affiliate!
Ask Diane how you may receive a reward for your community service in the occupations listed: Firefighters & EMS • Law Enforcement • Military & Veterans Healthcare Professions • Teachers
799 W. Boylston St., Worcester 508-797-111; info@audiojournal.org
www.audiojournal.net
Audio Journal’s mission in Central Massachusetts is to connect individuals with a visual impairment, or an inability to access print materials, to their communities through broadcasting of local news, information, and entertainment, with exclusive programs and content.
Binnall House
125 Connors St., Gardner 978-632-9650
www.binnallhouseapartments.com
SALMON at Medway: The Willows Independent Living and Whitney Place Assisted Living 44 Willow Pond Cir., Medway 508-533-3300
www.SalmonHealth.com
SALMON at Natick: Whitney
Place Assisted Living, Beaumont Rehabilitation and Skilled Nursing
3 Vision Dr., Natick
508-655-5000
www.SalmonHealth.com
SALMON at Northborough:
Whitney Place Assisted Living and Beaumont Rehabilitation and Skilled Nursing
238 West Main St., Northborough
508-393-5655
www.SalmonHealth.com
SALMON at Westborough:
The Willows Independent Living, Whitney Place Assisted Living, Beaumont Rehabilitation and Skilled Nursing
1 Lyman St., Westborough
508-366-4730
www.SalmonHealth.com
SALMON at Worcester:
The Willows Independent Living, The Health Center at the Willows
101 Barry Rd., Worcester
508-755-0088
www.SalmonHealth.com
SALMON Home Care: VNA, Private Care, Hospice
37 Birch St., Milford
508-473-0862
www.SalmonHealth.com
Seven Hills Family Services Adult Family Care
Contact: Marnie Dow, Director, Home Care Services
799 W. Boylston St., Suite 130 Worcester (508) 756-4696
www.sevenhills.org
Our chapel area is designed to serve the needs of every nationality and religion
Phone (508) 754-0486
Pre-need plans are designed for your security, benefit and financial well being (800) 854-0486
Provides transportation to and from treatment for people who have cancer who do not have a ride or are unable to drive themselves. Volunteer drivers donate their time and the use of their cars so that patients can receive the life-saving treatments they need. Learn about volunteer opportunities in your area with the Road to Recovery program.
Gardner Athol Area Mental Health Association (GAAMHA) Transit
Serves Gardner, Fitchburg, Leominster, Athol, Orange, Winchendon, Ashburnham, Westminster, Templeton, Hubbardston, Lunenburg, Rutland and Barre. Door-to-door service for physically challenged elders
ADULT FAMILY CARE
Seven Hills Family Services Adult Family Care (AFC) provides home-based support for adults with disabilities and seniors who are unable to live independently in the community and require assistance with activities of daily living. AFC caregivers can be a non-relative or a family member—one who is already caring for a loved one and may qualify for AFC supports, which include:
• 24-Hr. Case Management
• Nursing Oversight
• Home Visits
• Ongoing Trainings
• Paid Overnight Respite
• Tax-Free Stipend
Caregivers provide all the comforts of home, ensuring safety, wellbeing, and community engagement. If you would like to become an AFC caregiver, or if you already care for a loved one in your home, you may qualify for Seven Hills Adult Family Care. Member supported must have MassHealth/Medicaid to be enrolled in the program.
Gardner Community Action Committee
294 Pleasant St., Gardner 978-632-8700
gardner-cac.org/medicaltransportation
Medical transportation throughout Northwest Worcester County
SCM Elderbus provides transportation services to eligible Massachusetts residents aged sixty and over, as well as residents with disabilities.
Serving: Barre, Brimfield, Brookfield, Charlton, Douglas, Dudley, E. Brookfield, Holland, New Braintree, N. Brookfield, Oakham, Oxford, Princeton, Rutland, Southbridge, Spencer, Sturbridge, Sutton, Wales, Warren, Webster, W. Brookfield
South Shore Courtesy Coach
55 Fogg Road S. Weymouth 781-624-8000
The Courtesy Shuttle provides transportation to patients who need a ride to an appointment at South Shore Hospital or to a program or service directly affiliated with South Shore Hospital. The Courtesy Coach does not deliver patients to physician offices.
Provide seniors with an escort to medical appointments within Belmont, Brookline, Needham, Waltham, Watertown, Wellesley, Weston, surrounding towns and Boston hospitals. Medical Escorts wait during the appointment (up to 1.5 hours) and provide accompaniment home, providing transport and companionship. Medical Escorts can provide a ride and they can give minimal assistance getting into and out of a car and into the medical facility.
Paratransit program that provides door-to-door transportation to those with physical, cognitive or mental disabilities. Services Boston and towns located in MetroWest, North Shore and South Shore
Provides curb-to-curb service for individuals 60 and older: medical appointments, grocery shopping; ADA for handicapped individuals who cannot take public buses.
Serves Central and North Worcester Country. Provides out of town medical transportation and escorts to visually challenged elders
VETERANS SERVICES
Boston Veterans Medical Center
150 S. Huntington Ave. Jamaica Plain 617-232-9500; 800-865-3384 www.boston.va.gov
Christopher Heights of Marlborough
99 Pleasant St., Marlborough 508-281-8001
www.christopherheights.com
Disabled American Veterans
VA Regional Office
JFK Fed Bldg, Government Ctr. Boston 617-303-5675 www.dav.org
Things to consider when optimizing your Social Security strategy
By Sharon Oliver Contributing Writer
REGION - Each year, millions of workers across the nation look forward to retirement. Thoughts and plans of that new phase in life often include days of fishing, gardening, traveling and honey-do-list projects for the home. Another important aspect involves receiving Social Security benefits.
The Social Security Administration (SSA) is the largest retirement benefit program in the United States, the most common source of stable income for elderly Americans and represents 30%-50% of retirement income for most Americans. Moreover, the Social Security Board of Trustees estimates retirees will receive a 2.7% Cost of Living Adjustment (COLA) in 2026. This means the average monthly benefit would increase from about $2,007 in July 2025 to $2,061 in January 2026 and the average retired worker would receive an additional $54 per month, or $648 for the full year.
Eligibility options and decision making
People can start receiving their Social Security retirement benefits as early as age 62. Anyone choosing to start collecting Social Security payments before reaching full retirement age, which varies by birth year, should expect their monthly benefits to be reduced. Also, the amount you will receive increases each year you put off taking Social Security until age 70. Therefore, calling SSA or setting up an online account to get an estimate of monthly payments is vital prior to deciding on a firm retirement date.
The average person mistakenly believes age 65 is synonymous with retirement since that is when most people first become eligible for Medicare. The amount of spousal survivor benefits you receive will depend on your spouse’s earnings record and other factors, like how old you are when you start getting benefits. While the
age of 60 is the earliest a spouse without dependents can claim survivor benefits, there are exceptions. If the surviving spouse or ex-spouse has a disability, they’re eligible to claim survivor benefits beginning at 50 years old. Otherwise, collecting survivor benefits earlier than full retirement age (67 years old for those born in 1960 or after) will mean a reduction in benefits.
Whether or not you still work while receiving Social Security payments can also affect your benefits. If you’ve reached full retirement age, there’s no monthly income limit on the amount of money you can earn from working and your earnings won’t affect the amount of survivor benefits you receive. The agency’s website provides a user-friendly tool for calculating monthly payments requiring age, salary and estimated retirement date information.
Raymond J. Lucas Jr., senior vice president of financial planning at Integrated Financial Partners in Worcester, advised in U.S. News & World Report, “You should never make a Social Security decision just by looking at Social Security in a vacuum. It must be looked at in the context of an entire financial plan. Your age, your health, your assets, your other income sources and your family longevity all factor into deciding when to initiate your Social Security payments.”
Other retirement income sources
Other types of retirement income
sources to help supplement Social Security benefits include:
• Pensions: Employer-sponsored plans that offer fixed monthly payments.
• Retirement Accounts: Includes 401(k)s, IRAs, and Roth IRAs, which can be withdrawn during retirement.
• Investment Income: Dividends, interest, and capital gains from investments.
Creating multiple revenue streams during retirement is an excellent way to establish financial freedom and stability in lieu of depending upon one avenue of “fixed” income such as Social Security payments. However, it should be noted that there will be taxes to pay come tax time. So, understanding the tax implications of different income sources is a must.
Options to consider for other ways to obtain extra income include commercial real estate investments, diversifying investments, opening a high-yield savings account to generate interest, freelancing, and monetizing a favorite hobby to name just a few. Turning a hobby into revenue can be fun and profitable plus it will keep you busy. If you write well, think about creating an ad-generating blog or becoming a content writer. Sell handmade goods on Etsy or garden crops at your local farmers market. Retiring from a nine to five job only means a chance to explore wonderful opportunities with a little extra shut-eye on your terms.
Look at any Social Security decisions in the context of your entire financial plan during retirement.
10 important financial tips for caregivers
By R. R. Fletcher Contributing Writer
REGION - Americans spend roughly $190 billion per year on their care recipients for out-of-pocket expenses. Closer to home, according to AARP, over 844,000 Massachusetts residents help their loved ones as part-time or permanent caregivers.
Unfortunately, 67% of those who’ve incurred expenses for caregiving have had to reduce living expenses to provide care.
Common sacrifices by caregivers
A Northwestern Mutual study found that the sacrifices made by family caregivers are comprehensive and complex:
68% 63%
32% 21% 34%
have stopped or reduced contributions to savings to provide care―termed an “indirect” financial cost of caregiving.
Caregivers sell homes, move, and quit jobs to “do the right thing.” And these life changes and expenditures are rarely looked at as sacrifices. But, without a long-term plan, they can negatively affect the caregiver’s future. Luckily, there are ways to protect assets and reduce out-of-pocket expenses―or eliminate them.
The importance of planning
1 Plan before your loved one gets sick. We all say it, and everyone agrees it’s necessary. And then life takes over, and planning falls by the wayside. In fact, 48% of us have not yet planned for the inevitable.
2 Review plans frequently―at least quarterly. Things change, and laws change. Even a change in medication or diagnosis can alter a loved one’s legal standing or ability to make sound financial decisions.
3 Consider long-term care insurance before it’s needed. Medicare does not pay for extended care or assisted living except in particular circumstances. Also, not all long-term care policies are the same―they usually involve waiting periods and other considerations. And the older one is at the onset of the insurance, the more expensive the policy will be.
4 Sell or rent a dormant property. At the very least, discuss a plan to make assets work harder for your loved one. Even a small amount of residual income can make a big difference later down the road.
5 Investigate in advance specialty income. Additional benefit income for all veterans is available and can be substantial. But applying for these stipends can take up to two years, depending on the individual and the need. Also, many private company pensions have additional benefits. Don’t wait until a loved one is in the emergency room to ask.
6 Advance research also applies to Medicare and state Medicaid. Most states have supplemental financial and care programs, and some, such as Massachusetts Mass Care Link, pay for a family caregiver, easing their financial burden. However, there are requirements. of family caregivers provided financial support. have used savings or sold assets to provide care. of them have borrowed money to provide care. of caregivers spend between 21% and 100% of their monthly budget on caregiving expenses.
7 Establish separate savings or investment accounts. Designate them solely for long-term care or caregiving responsibilities. Adult children can set up accounts planning for future needs. Or seniors can designate funds to be used only for their care expenses.
8 Document a caregiver’s identity in a loved one’s medical records. Health care and social services systems often ignore caregivers for older adults. It is prudent to record decisions and support actions with documentation, including listing the primary caregiver’s name and contact information on all documents.
9 Develop a caregiver relationship or contract. Even though the loved one is family, a partner in care agreement can benefit and protect both parties.
Financial responsibility
Financial caregivers are, in a sense, fiduciaries with a responsibility to act in the best interests of their loved ones. If one uses a loved one’s money for anything, they are a financial caregiver. Many states have “senior” laws that protect loved ones.
10 Keep careful records. As with medical decisions, proper documentation is encouraged and required when acting in a financial capacity. Keep financial records well-organized and current, including assets and debts, which streamlines all financial transactions.
All in the family
Life is hectic, and families are complicated. Family members can be distant geographically, personally, or right on your doorstep in times of need. But ultimately, families need to be aware of and agree upon a caregiver’s role.
When caring for a loved one, keeping family members in the loop while respecting a loved one’s privacy is difficult. One suggestion is to schedule a quarterly family meeting, including your loved one. Discuss openly things like current care, financial issues, caregiver concerns, and end-of-life wishes. And if necessary, record everyone’s responses.
There is no easy or perfect way to care for a loved one. Whether for a child or a parent, caregivers make sacrifices. But with a bit of planning, these loving gestures do not have to create enduring financial hardship.
Massachusetts Department of Veterans Services Executive Office for Administration and Finance
The mission of the Department of Veterans’ Services is to advocate on behalf of all the Commonwealth’s veterans and provide them with quality support services and to direct an emergency financial assistance program for those veterans and their dependents who are in need.
Mercadante Funeral Home & Chapel
370 Plantation St., Worcester 508-754-0486
www.mercadantefuneral.com
Remax Vision
25 Union St., Worcester 508-757-4200
visionyourmove.com
U.S. Veterans Administration
Regional Office, JFK Federal Bldg. 15 New Sudbury St., Boston 800-827-1000; www.va.gov
150 S. Huntington Ave., Boston 617-232-9500; 800-865-3384
West Roxbury Division
1400 VFW Parkway, West Roxbury 617-323-7700; 800-865-3384
VA Boston Healthcare System’s consolidated facility consists of the Jamaica Plain campus, located in the heart of Boston’s Longwood Medical Community; the West Roxbury campus, located on the Dedham line; and the Brockton campus, located 20 miles south of Boston in the City of Brockton.
VA New England
800-MyVA411
www.va.gov/health-care
Veterans Crisis Line
988; 1-800-273-8255
Veterans, Inc.
69 Grove St., Worcester 800-482-2565
email: info@veteransinc.org www.veteransinc.org
Veterans Inc. is a national leader in ending homelessness in veterans. It is the largest provider of support services to veterans and their families in New England. Veterans Inc.’s clinical case management approach addresses the “total veteran,” incorporating job training and employment services, health and wellness, and supportive services ranging from transportation to legal advice.
Compassionate Care
FOR EVERY CHAPTER OF LIFE.
Family-owned and operated in Central Massachusetts since 1952, SALMON Health and Retirement has been a trusted name in senior living and healthcare for generations. Our full continuum of care—from home care services through SALMON Home Care, to independent living at The Willows, to assisted living & memory care at Whitney Place, and rehabilitation and skilled nursing care at Beaumont—provides the right level of support as your needs evolve.
With a commitment to dignity, well-being, and personalized care, we ensure that you or your loved ones feel truly at home. Whether enjoying an active, independent lifestyle or receiving specialized care, SALMON Health and Retirement offers a place where life’s journey continues with comfort and peace of mind.
