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Renee Grenier
Social Service Advocate
Address:
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29 Church St. Hudson, MA 01749
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Picture: |
Telephone:
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978-568-9638 |
E-Mail:
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Hours:
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Monday - Friday 8:00AM - 3:00PM |
Comments For November 2009
I would like to share with you some highlights regarding fuel assistance applications received in Fiscal Year 2009. This year the State of Massachusetts deemed $186,000 households eligible for heating assistance compared to $144,000 in 2008. There were approximately 68,000 first time applicants compared to 144,000 in 2007-2008. The State also reports that about 22,000 households were eligible for heating assistance for the first time. Given the state of the economy, households with unemployment income increased about 128%. Fuel Assistance is now open for all NEW applicants. Please call the Senior Center to schedule an appointment. Many seniors and families are still in need of this assistance, especially during the winter months. It is best to apply early, but applicants will be accepted from October 26, 2009 to April 30, 2010. CALL
978-568-9638
Income Guidelines FY 2010
Household Size Maximum Gross Annual Income |
1 $29,126 |
2 $38,087 |
3 $47,049 |
4 $56,011 |
5 $64,973 |
6 $73,935 |
7 $75,615
*The Fuel Assistance Program does not have an asset limit*
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“Requested Documents”
For those applying, SMOC requires the following information:
- Current 30 day income documentation, including copies of all fixed income checks (Social Security, SSI, veterans benefits, 1099 forms, pay stubs, interest/dividend income, proof of child support payments. Self employed must submit current federal tax returns. Rental income will be verified with complete tax forms as well.
- Names, Addresses and social security numbers for all household members. All members of the household have to report.
- Address verification. Photo ID is required for head of household.
- Copies of heating and electrical bills.
- Regular or subsidized leases, mortgage documentation, real estate tax bills, and home owner’s insurance bills.
- Proof of monthly food stamp benefit, if applicable.
Comments For October 2009
Attention: Fuel Assistance Applicants
Renee and Ana will start scheduling appointments for NEW Fuel Assistance Applicatants on Monday October 26, 2008.
Please call us to schedule your appointment on or after October 26th.
Application Intake at the SMOC MAIN OFFICE starts on November 1st 2009.
If applicants wish to have the Hudson Senior Center assist them with their Fuel application you must contact Renee or Ana at 978-568-9638 to schedule an appointment.
Income Guidelines FY 2010
Household Size Maximum Gross Annual Income |
1 $29,126 |
2 $38,087 |
3 $47,049 |
4 $56,011 |
5 $64,973 |
6 $73,935 |
7 $75,615 |
*The Fuel Assistance Program does not have an asset limit*
“Requested Documents”
For those applying, SMOC requires the following information:
- Current 30 day income documentation, including copies of all fixed income checks (Social Security, SSI, veterans benefits, 1099 forms, pay stubs, interest/dividend income, proof of child support payments. Self employed must submit current federal tax returns. Rental income will be verified with complete tax forms as well.
- Names, Addresses and social security numbers for all household members. All members of the household have to report.
- Address verification. Photo ID is required for head of household.
- Copies of heating and electrical bills.
- Regular or subsidized leases, mortgage documentation, real estate tax bills, and home owner’s insurance bills.
- Proof of monthly food stamp benefit, if applicable.
Comments For September 2009
**Important Health Insurance Information**
Medicare Open Enrollment November 15 – December 31
Medicare Prescription Drug Plans (Part D Plans)
If you have prescription drug coverage, your current plan may not be the best plan for you in 2010. In October, you will receive information about changes in your drug plan coverage for next year. You can switch plans during the Medicare Open Enrollment Period, between November 15 and December 31, and begin your new plan in January 2010.
If you have NO prescription drug coverage and want to enroll in a plan, you may join a plan during open enrollment.
If you have limited income and assets, there is federal money to help pay for your Medicare Part D costs. There is also a state prescription assistance program, Prescription Advantage, which has no asset limit. For most people, this program is free and keeps them out of the “coverage gap”.
Medicare Advantage Plans
If you are in a Medicare Advantage Plan (e.g. a Medicare HMO/PPO, or PFFS) your plan will notify you in October of any changes for next year. If you have been satisfied with your plan and it has remained fairly stable you may want to keep it in 2010. However, if you noticed changes in your plans or experienced problems you should discuss your concerns with a SHINE counselor to ensure you are making an informed choice for 2010. You may change your Medicare Advantage Plan between November 15 and December 31, and the new plan will commence in January 2010.
If you need any help with your health insurance, SHINE has free Medicare counseling at your Senior Center. Call and 978-568-9638 ask for a SHINE appointment. The Hudson Senior Center has three SHINE counselors available to assist you with your health insurance needs.
Fuel Assistance Re-Applicants
If you applied for SMOC Fuel Assistance last season, you should be receiving your reapplication paperwork soon. If you need help getting together your documents for the upcoming season please call and make an appointment with Renee or Ana.
****ATTENTION PRESCRIPTION ADVANTAGE MEMBERS****
PLEASE KEEP YOUR MONTHLY EXPLANATION OF BENEFIT SUMMARIES
Every month your health/drug plan will send you a document verifying what medications you received during the preceding month. This document is called an Explanation of Benefits (EOB). Please DO NOT throw these documents away, especially if you have Prescription Advantage. You may be asked to submit these forms to Prescription Advantage so they can correctly calculate your out of pocket spending limit. It is important to keep these documents when you receive them. If you have received any information regarding a request for EOB’s please schedule an appointment with a SHINE counselor so we can assist you. Once you have reached the coverage gap, Prescription Advantage will help you pay for your prescriptions. Prescription Advantage may request EOB’s to ensure you will receive coverage as soon as your out of pocket costs reach
$2700. Call if you have any questions. Renee Grenier 978-568-9638 x 18, Ana Salamao ex 19 or Janice ex 13
Comments For August 2009
NURSING HOME ADVOCATES NEEDED!!
Baypath Elder Services, Inc. is searching for individuals who are interested in volunteering a couple of hours a week to make a difference for residents of Long Term Care (LTC) facilities.
Mary Brooks, Director of the LTC Ombudsman Program would love to hear from YOU!
She is looking for advocates to assist in resolving concerns of residents. The goal of the Ombudsman Program is to work with residents, families and LTC staff to improve the quality of care, life and environment for the residents of these facilities.
Trainings to become a certified Ombudsman take place periodically throughout the state.
Call Mary Brooks at 508-573-7200 X235 to arrange an interview and learn more about this great opportunity.
BILL PAYER PROGRAM PRESENTATION!!!
The Money Management Program uses trained volunteers to help older adults on a limited income and people with disabilities who have difficulty budgeting, paying routine bills and keeping rack of financial matters and do not have family or friends who can help. The program is designed to prolong independent living in the community for individuals by balancing their checkbooks, aiding in budgeting, writing checks, acting as an advocate with creditors and service providers, and more. It is free and confidential. If you feel that you have a need for this service or know someone who does and would like to discuss this further, call BayPath Elder Care and speak with the Money Management Coordinator at 508-573-7241.
JOIN US FOR A FREE PRESENTATION BY MONEY MANAGER COORDINATOR DEB LUEKENS ON THURSDAY AUGUST 13TH AT 11:30am ON 2ND FLOOR OF TOWN HALL. LEARN ABOUT THIS SPECIAL PROGRAM. REFRESHMENTS WILL BE SERVED!!
ATTENTION HUDSON RESIDENTS
MASSACHUSETTS FARMERS’ MARKET COUPON PROGRAM 2009 If you are 60 years of age or older OR under 60, disabled and living in public housing AND eligible for food stamps, SSI, Section 8 Housing, Energy Assistance, Medicaid, or Commodity Food Assistance you may be able to participate in the Farmers’ Market Nutrition Program. You’ll receive coupons that can be used for fresh picked vegetables and fruits grown and sold by local farmers at approved farmers’ markets. For more information or to get your coupons please visit the Outreach Department at the Hudson Senior Center. We have a limited number of coupons at this time so please contact us as soon as possible if you think you qualify.
Comments For July 2009
Nursing Home Resident Rights:
Massachusetts Long Term Care Ombudsman Program
Residing in a nursing facility is sometimes a challenging experience. Residents and family members deserve to receive quality care and wish to live with dignity, especially during the later stages of life. The Ombudsman Program, which is administered through the Executive Office of Elder Affairs, is a platform for residents and families to openly express their complaints and concerns about the care they receive. The program is designed to improve the long term care system by addressing and resolving resident issues and by educating residents and staff about resident rights. The program is confidential in nature unless the person consents to releasing such information or if abuse or neglect is involved. Ombudsman work hard to give residents a voice and promote positive changes throughout Massachusetts nursing facilities. The local Ombudsman
program serving Hudson, MA is located at Bay Path Elder Services in Marlborough MA. Please contact your local agency below if you would like to speak to an Ombudsman or find out more information about how they can help you.
CONTACT:
Mary Brooks, Director of Long Term Care Ombudsman Program
Bay Path Elder Services, Marlborough MA
Phone: 508-573-7200
Comments For June 2009
Attention Hudson Caregivers!
Do you know about the new Caregiver Homes Program?
Caregiver Homes is new state-licensed program in Massachusetts that offers an alternative to nursing home placement. If you live with a loved one and provide him/her daily care, Caregiver Homes can compensate you for the work that you do and provide nursing support that your loved one may need to remain at home. This program provides a wonderful option to nursing facility placement and makes it easier for the caregiver to continue to provide support and care in the home environment.
Who Can Be a Client?
The Client Must Meet 3 Criteria:
1) Be a Senior who has (or is eligible for) MassHealth or a disabled adult with MassHealth
2) Need help with one or more activities of daily living (bathing, dressing, eating, toileting, transferring). Or require assistance with managing behaviors like wandering, resistance to care, disruptive behavior, etc.
3) Need 24-hour care and supervision
Who Can Be a Caregiver?
The Caregiver may be a family member or a local community member. However, MassHealth does NOT allow the Caregiver Homes Program to pay a Spouse OR Legal Guardian to be a caregiver.
What are the Responsibilities of a Caregiver?
The Caregiver works with professional staff to determine an appropriate plan of care and provides care to the client 7 days a week 24 hours per day. (Some clients may also have additional services provided by homecare programs, adult day health facilities, etc... depending on the established plan of care). Caregivers also agree to enter daily notes about client’s condition into the SeniorTouch web-based information and monitoring system.
How Are Caregivers Selected?
Caregivers must go through a rigorous screening process to determine if both Client and Caregiver are appropriate for the program. This process includes an initial telephone screening, completion of written application, personal background checks including a CORI screening, a face-to-face interview in the caregiver’s home and a home assessment. An interview and background screening is required of all household members and anyone else who may be involved in care giving.
For more information about this program or to request an application, please contact:
Metro West Program Manager
Natasha Heimrath
Tel: (508)-259-9712
Comments For May 2009
Long Term Care Options Counseling
The Metrowest Aging & Disability Resource Consortium (ADRC) has teamed up with our local Aging Service Access Point (Bay Path Elder Services, Inc.) and Independent Living Center to offer a new program called Long Term Care (LTC) Options Counseling. LTC Counselors are available to assist seniors, caregivers and families who are faced with making important decisions regarding long term care services, homecare support services, and other care options. The program’s service population includes individuals 60 years and older, under 60 and disabled, and family members/caregivers of all ages. The program reaches out to individuals living in a variety of settings.
You may contact the ADRC if you are living at home, living in a nursing facility, entering a nursing facility, or in the hospital waiting admission to a nursing facility or rehabilitation center. Counselors are available to provide written materials, speak on the phone, meet in person, and have follow up contact to make sure needs are addressed.
The counselor works with you to provide information that is crucial when making informed choices about your own care or the care of a loved one. They can review the options available that best suit your situation and set up a plan of action so that you can feel comforted when going through the process. Counselors will also be available to discuss functional/cognitive capacity, informal supports, and financial situations. If you want to learn more about this FREE program please call the Centralized Intake Number at 1-800-635-8753 or send an email to info@mwadrc.org
Comments For April 2009
One-Time Economic Recovery Payment 2009
Most seniors and disabled individuals are eligible for a one time payment of $250 if they receive federal benefits such as Social Security, Supplemental Security Income (SSI), Railroad Benefits, or Veterans Benefits. You do not need to do anything to receive this payment. If you are eligible, the Department of Treasury will send you a separate payment and it will be sent to you in the same manner you receive your regular monthly benefit. So, if you normally get your check directly deposited in your bank account then your one time payment of $250 will be directly deposited as well. You should receive this payment by the end of May 2009. Please do not contact the Social Security Administration to inquire about this payment prior to June 4, 2009. You are only eligible for one payment of $250 regardless of how many benefits you
receive. If you are a married couple and both receive monthly federal benefits (as listed above) you will both get an individual payment of $250. If you have a delinquent Federal or State debt, the Dept. of Treasury can deduct these debts from the one-time payment. If you do not receive this payment by June 4, 2009 you should call the Social Security Administration at 1-800-772-1213 or call the local Framingham Social Security Office at 1-508-875-5047.
PEER RECOVERY SUPPORT CENTERS
In February I had the opportunity to meet with Tom McHugh from Spectrum Health Systems Inc, to discuss our local peer recovery support center located at 33 Main Street, Marlborough MA 01752. This center serves as a safe community environment where adults can meet with other peers who have experienced addiction and recovery either directly or as a family/friend. The setting is peer driven and can provide support services to individuals at varying stages of recovery. The Peers can also assist family members and friends who are seeking services. Some of the services provided include Support Groups, Health and Wellness Workshops, Peer Coaching, Family Education and Support, Twelve Step Fellowship, Recreational Activities, and Skill Development. There are also a number of volunteer opportunities available at the center. Also, on Friday
nights they have pizza and games from 7:30-10:30pm. The peer recovery center is open 7 days a week with varying hours. Please call the center directly for more information 508-485-0298.
**Please note there is also a peer recovery center located at 484 Main Street Suite 450, Worcester MA 508-799-6221
Comments For March 2009
Some Helpful SHINE Information from Regional Director…Doreen Nemeth
Are your Prescription Costs too High?
Prescription Advantage, the state’s pharmacy assistance program, can help lower your prescription costs. If you become a Prescription Advantage member and you do not have a Part D plan, you can join a plan now. You do not have to wait for the next Open Enrollment Period in November! If you are unhappy with your current plan, Prescription Advantage members also get one additional time each year to change Medicare Part D plans!
You are eligible to join Prescription Advantage, if you are 65 or older and your annual income is less than $52,000 for a single person or $70,000 for a married couple. If you are under 65 and disabled, you may also qualify, but at a lower income. There is no charge for joining Prescription Advantage if you have an annual income less than $31,200 for a single person and $42,000 for a married couple. Depending on your income and the Part D plan you choose, Prescription Advantage may help pay all or part of your drug plan’s monthly premium, as well as help when you reach the coverage gap (Donut Hole).
Call Prescription Advantage today for an application form. You can reach Prescription Advantage at 1-800-AGE-INFO (1-800-243-4636), then press or say 2.
There is also help available from the SHINE program. Call your senior center and ask for a SHINE appointment. Trained SHINE volunteers offer free, confidential counseling on all aspects of health insurance to anyone on Medicare. You can also reach a SHINE counselor by telephone. Call 1-800-AGE-INFO (1-800-243-4636), then press or say 3. Once you get the SHINE answering machine, leave your name and number. A volunteer will call you back, as soon as possible.
If you are interested in becoming a SHINE volunteer counselor,
contact Dorene Nemeth at (508) 532-5980, ext 4109.
SHINE Counselors: Renee, Ana and Janice are currently assisting clients with Prescription Advantage Applications. Please call us to make an appointment at 978-568-9638. We’ll also tell you what documents are required to complete the application.
Comments For February 2009
Please also see my notes for January 2009 following the notes for this month.
Attention Seniors and Caregivers: Aging Well Adult Day Health Presentation Please join us Thursday February 12, 2009 at 11:30 for a short presentation provided by the Aging Well Adult Day Health Facility. The Aging Well Staff will discuss what services they offer at their day center located in Marlborough MA. Adult day programs have been lacking in this general area for quite some time but Aging Well has responded to this need and continues to provide quality medical, social, and recreational services to seniors and disabled individuals. They also have their own transportation which will pick up and drop off those who attend the program. This will be a great information session for both seniors and caregivers. Please also keep in mind that Mass Health will often cover the cost of Adult Day Programs for individuals who qualify. Please
call Marie at the Senior Center to sign up today. The presentation will be held at Town Hall 2nd Floor. Refreshments provided by Aging Well.
Discount Update: Citizen’s Energy Joe Kennedy’s Oil Heat Program is now open: January 19, 2009 to February 27, 2009
Applications are now being accepted for the Oil Heat Program which may provide a free one-time delivery of 100 gallons of oil to low income families and seniors who are struggling this season. Both Renee and Ana are currently assisting with online applications for this program, please call to set up an appointment. If you would like to apply yourself please visit the following website: http://extranet.citizensenergy.com/online-application/ Or Call 1-877-JOE-4-OIL (1-877-563-4645). Applicants will
be notified by mail regarding their eligibility status. Applications will not be accepted after 2/27/09. Please apply as soon as possible.
SHINE Reminder As you know, many Prescription Advantage Members are starting to pay more for their medications this year due to the state budget cuts. Please contact Renee, Ana, or Janice to discuss your medication costs. We can sit with you and review your personal medication list and try to figure out all the possible ways you can save money this year, especially with your brand name medications. I have recently assisted many seniors with using their Drug Plan’s mail order pharmacy, which often times provides significant savings for both generic and brand name medication. It’s always best to call us to try and work through this problem together; it could end up saving you money during this difficult time.
Additional Reminders We are still assisting with applications for Fuel Assistance and Food Stamps. Please call Renee or Ana to schedule an appointment today!
Comments For January 2009
Please review the following bulletin posted by Doreen Nemeth, Metrowest Regional SHINE Director.
You Can Still Change Your Medicare Plans!
· Between January 1 and March 31, you can make one change in your Medicare health plan. People with Original Medicare can join a Medicare Advantage Plan (such as a Medicare HMO, Medicare PPO, or Medicare PFFS) or switch between Medicare Advantage Plans. People in a Medicare Advantage Plan can return to Original Medicare. You cannot add or drop your Medicare prescription drug plan during this period.
After March 31, most people will not be able to make any changes until the next Medicare Open Enrollment Period (November 15 - December 31, 2009), effective January 2010.
· If you are a member of Prescription Advantage, you have one additional chance to change your Medicare prescription drug plan at any time during the year.
Prescription Advantage, the state pharmaceutical assistance program, will continue to help with the costs of Part D plans, but there are a number of changes in 2009. You should already have received notice of these changes. There will be presentations at several senior centers in our region in January to provide more information and to answer your questions. Prescription Advantage will be mailing you a schedule of these presentations.
· If you have MassHealth or if you qualify for “Extra Help,” you can change your Medicare prescription drug plan every month.
· If you are first becoming eligible for Medicare, or if you lose your current health insurance, special rules apply.
If you need help on any aspect of your health insurance, SHINE offers free counseling at your Senior Center. Call your local COA and ask for a SHINE appointment. You can reach a SHINE volunteer by phone at 1-800-AGE-INFO. Once you get the SHINE answering machine, leave your name and number. A volunteer will call you back, as soon as possible.
Comments For December 2008
Social Service Update
As many of you may know the Social Service Department is moving to Town Hall, 3rd Floor, on Dec 8th 2008. During this transition our phone lines will be out of service from Dec 8th to Dec 10th at the latest. Please be patient during this moving period. Once we are up and running Ana and I will be meeting with clients at Town Hall. The building does have an elevator so that you have access to the third floor. Our phone numbers will remain the same.
SHINE Update
Many of you have contacted Janice, Ana and I to set up SHINE appointments to discuss open enrollment options. Just a reminder that the deadline is December 31, 2008 to make legal changes to your Medicare Advantage Plans and Prescription Drug Plans. We will continue to work with you throughout December to review your medications and research all available options for the 2009 year. If you need assistance with this process please call us to set up an appointment. Our services are free and confidential.
Fuel Assistance
We are pleased to report that we have seen a dramatic increase in the number of fuel assistance applications completed this year and it’s only the beginning of December! We have almost matched the number of applications processed for all of the 2007-2008 Year and we have many months before us.
***Important Update. We were recently notified of a large increase in the income guidelines for Fuel Assistance Applicants as the program raised the standards for applicants to earn up to 60% of the State’s gross median income. Please review the updated chart below to see if you may qualify. The deadline for this program is not until April 30, 2009 but all are encouraged to apply as soon as possible.
Income Guidelines FY 2009
Household Size |
Maximum Gross Annual Income |
1 |
$27,876 |
2 |
$36,454 |
3 |
$45,031 |
4 |
$53,608 |
5 |
$62,186 |
Comments For November 2008
Pleasantries Social Day Program, Marlborough MA.
In October, I had the opportunity to meet with the owner of Pleasantries Social Day Program, Tammy Pozerycki, to learn more about this wonderful new adult day program for individuals 60 and older. Pleasantries is located at a residential setting in Marlborough, MA which offers a warm and inviting atmosphere for guests. Pleasantries is a unique program; in that, it strives to provide stimulating and creative social activities to promote mental cognition, reasoning skills, self-esteem, and physical mobility and strength. Unlike, other Adult Day Facilities which adhere to a strict medical model, Pleasantries focuses on the social aspects of one’s life and establishes goals to ensure individuals are enjoying their daily interactions while sharpening their skills and engaging in worthwhile activities. Guests who attend the program may have
early stage Alzheimer’s or other memory impairments which require them to maintain a healthy degree of stimulation throughout the day. Pleasantries is a perfect setting for these individuals as they are empowered by attending a program which allows them to exercise personal choice with regards to participation in activities that enhance levels of independence. The Program offers very flexible hours (both mornings and evenings) and reasonable rates. There is also a 4:1 Staff to Guest Ratio, which provides security that loved ones will be surrounded by responsive professionals throughout the day. Tammy has worked in the healthcare industry for years and has gained experience in a number of capacities such as Geriatric Care Management, Social Worker, Clinical Liason, Alzheimer’s Program Director and she holds a Masters in Counseling Psychology. This program is just as advantageous for guests as it is for caregivers who are seeking some respite throughout the day
and looking for a way to keep their loved ones active and enthusiastic about life.
For more information or to set up an appointment to tour this wonderful program please call Tammy Pozerycki at Main:508-481-0809 Cell:508-335-1968 or visit them on the web at www.pleasantriesadultdayservices.com .
Also Offered for All Members of the Community
Alzheimer’s Caregiver Support Group
Pleasantries Adult Day Program
195 Reservoir Street
Marlborough MA 01752
1st and 3rd Thursday of each month from 6:30-8pm. You may also bring your loved one with you to the meeting as there will be professional staff onsite. The group is free of charge; however prescreening is required. Please contact Donna Deleo at 774-452-3923 or Tammy Pozerycki at 508-335-1968 to sign up!
QUICK REMINDERS
SHINE UPDATE (Serving Health Information Needs of the Elderly)
OPEN ENROLLMENT FOR MEDICARE DRUG PLANS AND MEDICARE ADVANTAGE PLANS
**NOVEMBER 15TH 2008 TO DECEMBER 31st 2008**
You may legally change your drug or health plan during this time frame. The new change will become effective January 1, 2009. If you have concerns about your current plans or would like to research other options please contact Renee, Ana, or Janice to make an appointment. Please have your doctor information and a list of your current medications available at the time of the appointment.
FUEL ASSISTANCE
The SMOC Fuel Assistance Program is opening on November 1, 2008. If you are a Hudson resident and think you qualify for the program please contact Renee, Ana, or Janice to schedule an appointment to apply. Please review the guidelines again which are posted below. Note that the income guidelines reflect GROSS income amounts and NOT NET income.
Income Guidelines FY 2009
Household Size Maximum Gross Annual Income |
1 $20,800 |
2 $28,000 |
3 $35,200 |
4 $42,400 |
5 $49,600 |
FOOD STAMPS
I am proud to say that the Hudson Senior Center has helped many seniors this season successfully apply for the food stamp program. If you have questions or would like to apply please call Renee, Ana, or Janice who can provide further information and assist with the application.
Comments For October 2008
FUEL ASSISTANCE
Please note, Renee and Ana will start scheduling appointments for NEW Fuel Assistance Applications on Monday October 27, 2008. Please call us to schedule your appointment on or after October 27th. The SMOC Fuel Assistance Program will NOT accept any NEW applications until November 1, 2008.
Income Guidelines FY 2009
Household Size Maximum Gross Annual Income |
1 $20,800 |
2 $28,000 |
3 $35,200 |
4 $42,400 |
5 $49,600 |
FOOD STAMPS
Please continue to contact Renee and Ana for assistance with the Food Stamp applications. Many seniors who have recently applied have been awarded decent benefits this season. During these hard economic times it pays to apply for these types of assistance programs. Please call us if you would like to learn more about this program or if you would like to apply.
New Asset Rules for Senior/Disabled Households
Household Size |
Monthly Gross Income |
Assets |
1 |
Below $1,734 |
Assets not counted |
2 |
Below $2,334 |
Assets not counted |
STIMULUS PAYMENT
For those of you who did not file a 1040A form to receive your economic stimulus payment, you have until October 15, 2008 to file. If you did file but did not yet receive your payment and would like to check the status you can do so by visiting www.irs.gov or you can contact the IRS at 800-829-0582 enter extension 726 when the menu gives you that option. Also, please be aware that payments are still being processed depending on when you filed your 1040A Form. If you would like to file we have the forms at the senior center, either drop in or give us a call and we will mail you the form.
Comments For September 2008
Getting Ready for Medicare Open Enrollment
November 15 – December 31
Medicare Prescription Drug Plans (Part D Plans)
If you have prescription drug coverage, the plan you have now may not be the best plan for you in 2009. In October, you will receive information about changes in your plan for next year. You can switch plans during the Medicare Open Enrollment, between November 15 and December 31, and begin your new plan in January 2009.
If you don’t have a prescription drug plan and you want one, you can join a plan at this time.
If you have limited income and assets, there is federal money to help pay for your Medicare Part D costs. There is also a state prescription assistance program, Prescription Advantage, which has no asset limit. For most people, this program is free and keeps them out of the “gap”.
Medicare Advantage Plans
If you are in a Medicare Advantage Plan (e.g. a Medicare HMO/PPO, or PFFS) your plan will notify you in October of any changes for next year. If you have been satisfied with your plan and it is not changing much, you probably want to keep it. However, if you have been unhappy or your plan is changing a lot, you may want to think about switching plans. Medicare Advantage Plans are also open between November 15 and December 31, and begin in January 2009.
If you need any help with your health insurance, SHINE has free Medicare counseling at your Senior Center. Call and 978-568-9638 ask for a SHINE appointment. The Hudson Senior Center has three SHINE counselors available to assist you with your health insurance needs.
SMOC Fuel Assistance Program:
A program that can help low income households with the cost of heating this winter.
Please review the income guidelines below and contact Ana or Renee at the Hudson Senior Center if you think you may be eligible. We will start scheduling appointments on Monday October 27th 2007. The program will begin on November 1, 2007.
Income Guidelines FY 2008
Household Size |
Maximum Gross Annual Income |
1 |
$20,800 |
2 |
$28,000 |
3 |
$35,200 |
4 |
$42,400 |
5 |
$49,600 |
For those applying, SMOC requires the following information:
1. Current 30 day income documentation, including copies of all fixed income checks (Social Security, SSI, veterans benefits, 1099 forms, pay stubs, interest/dividend income. Self employed must submit current federal tax returns. Rental income will be verified with complete tax forms as well.
2. Names, Addresses and social security numbers for all household members. All members of the household have to report.
3. Address verification. Photo ID is required for head of household.
4. Copies of heating and electrical bills.
5. Regular or subsidized leases, mortgage documentation, real estate tax bills, and home owner’s insurance bills.
Comments For August 2008
A Few Reminders
Food Stamps. Many are aware that the food stamp program has changed eligibility guidelines for seniors 60 and older. The program no longer looks at assets for these individuals and the monthly income guidelines have increased. Please contact the senior center if you would like to apply or have further questions.
New Asset Rules for Senior/Disabled Households
Household Size |
Monthly Gross Income |
Assets |
1 |
Below $1,734 |
Assets not counted |
2 |
Below $2,334 |
Assets not counted |
Stimulus Rebate. There is still time to send in FORM 1040A to receive your stimulus payment. The IRS has set a October 15, 2008 deadline to file. If you need FORM 1040A please contact the Senior Center.
Bay Path Elder Services has moved. Their new address is 33 Boston Post Road West, Marlborough MA 01752. Phone 508-573-7200
Fax 508-573-7222
SHINE Update- Looking Forward
Good news for individuals who are over the asset limits for Medicare Savings Programs (also known as Mass Health Buy-In Programs). A reminder: these programs cover the Medicare Part B monthly premium and in some instances Medicare premiums, copays, and deductibles depending on which category you qualify for.
Effective January 1, 2010 the asset guidelines for these programs will more than double, extending coverage to many more seniors and disabled individuals. The asset guidelines will match the guidelines of the Limited Income Subsidy Program (which many refer to as Medicare’s Extra Help Program). As of now the asset limit for Medicare Savings Programs is $4,000/individual and $6,000/couple. The current Extra Help asset limits are $7,790/individual and $12,440 for a couple.
And for those who own real estate, the Medicare Savings Programs will no longer be subject to the asset recovery provisions which are currently upheld. As it stands now any Medicaid benefits paid out can be recouped after an individual’s death. This change will also become effective on January 1, 2010.
Comments For July 2008
Meals on Wheels
The Meals on Wheels Program is administered through South Middlesex Opportunity Council’s Elderly Nutrition Program. To be eligible for the program a client must:
· Be 60 years or older (or the spouse of an eligible participant)
· Have a physical, emotional, or cognitive impairment which limits their ability to prepare nutritional meals. Or have inadequate kitchen facilities.
· Be unable to attend the congregate meal site which is located at the Hudson Senior Center (for Hudson residents)
· Lack informal support systems which can assist with meal preparation.
There are many different types of Meals which are offered to meet the needs of client’s that must adhere to special diets due to specific medical conditions. The most popular or “Regular” meal has NO salt added, low-fat, low cholesterol and is between 700-800 calories. There are Therapeutic Meals available which include: Diabetic, Cardiac, Renal Low Protein, Renal Dialysis, Low Lactose, Mechanical Soft, Ground, and Pureed. While the costs of the meals are free we encourage recipients to make a suggested donation of $2.00 per meal if possible. Donations are a major source of funding for this program. Meals delivered Monday through Friday are served hot. If individuals are interested in receiving meals on the weekends, two frozen meals will be delivered on Friday which can be heated up for later use. If you have questions
about the program or would like more information you can call the Elderly Nutrition Program directly at 508-872-6570 or Renee at the Hudson Senior Center. As a reminder, the Meals On Wheels calendar is posted every month at the end of our newsletter. Website: http://www.smoc.org/index.asp?pgid=81
Congregate Meal Site
If you don’t think you will qualify for the Meals on Wheels but can make it down to the Hudson Senior Center, you can receive a hot meal Monday- Friday at the Senior Center. Don’t forget our van can pick you up for lunch and bring you back home! Please Call Nutrition Coordinator Chrissy at 978-568-9638 x 13 at the Senior Center to sign up.
Food Pantry Referrals
A reminder that the Hudson Senior Center can issue food pantry referrals. If you would like more information on this program please come down to the Center or contact the Hudson Food Pantry directly at 978-562-5280. The Food Pantry is located at 246 Houghton Street. Hours: Tue 9am-10:30am, Sat 9am-10:30am, 1st Thursday of every month 7pm-8:30pm.
Assistance and Benefit Programs 2008
Prescription Advantage Eligibility Guidelines
Prescription Advantage is a State Pharmacy Assistance Program which helps Medicare beneficiaries pay for their drug costs. The program is FREE for individuals with incomes less than $30, 631 and $41, 071 if married. If Medicare beneficiaries have higher incomes the cost is $200 per year. For those 65 and older not eligible for Medicare, it is also Free to join. This program does not look at assets.
For Members are eligible for Medicare:
Single Annual Income Married Annual Income
$51,050 $68,450
For Members NOT eligible for Medicare:
Single Annual Income Married Annual Income
$51,051 $68,451
Mass Health Standard
(Monthly Income Limits for Individuals and Couples Before Deductions)
|
Income Limit |
Asset Limit |
Individual |
$887/mo |
$2,000 |
Couple |
$1,187/mo |
$3,000 |
SSI: Supplemental Security Income
(Monthly Income Limits for Individuals and Couples Age 65 and Older Before Deductions)
|
Income Limit |
Asset Limit |
Individual |
$776/mo |
$2,000 |
Couple |
$579/mo per person |
$3,000 |
Medicare Savings Programs also known as MassHealth Buy-In Programs
QMB (QUALIFIED MEDICARE BENEFICIARIES)
Pays Medicare Premiums, copays, and deductibles
|
Income Limit |
Asset Limit |
Individual |
$887/mo |
$4,000 |
Couple |
$1,187/mo |
$6,000 |
SLMB (SPECIFIED LOW-INCOME MEDICARE BENEFICIARIES)
Pays Medicare PART B Premium
|
Income Limit |
Asset Limit |
Individual |
$1,061/mo |
$4,000 |
Couple |
$1,421/mo |
$6,000 |
QI-1 (QUALIFYING INDIVIDUALS)
Pays Medicare PART B Premium
|
Income Limit |
Asset Limit |
Individual |
$1,191/mo |
$4,000 |
Couple |
$1,596/mo |
$6,000 |
Low Income Subsidy Program: Extra Help with Prescription Drug Costs
3 LEVELS OF COVERAGE
1) 100% FPL
· Pay $0 drug plan premium
· Pay $0 drug plan deductible
· Pay $1.05 for generic drug and $3.10 for brand name drug
2) 135% FPL
· Pay $0 drug plan premium
· Pay $0 drug plan deductible
· Pay $2.25 for generic drug and $5.60 for brand name drug
3) 150% FPL
· Pay a sliding scale drug premium
· Pay no more than $56 deductible
· Pay 15% of drug copays until total drug costs equal $5,726 then pay $2.25 for generic drug and $5.60 for brand name drug
|
Individual Income Limit ~ Asset Limit |
Couple Income Limit ~ Asset Limit |
100% FPL |
$867/mo ~ $7,790 |
$1,167/mo ~ $12,440 |
135% FPL |
$1,170/mo ~ $7,790 |
$1,575/mo ~ $12,440 |
150% FPL |
$1,300/mo ~ $11,990 |
$1,750/mo ~ $23,970 |
Comments For June 2008
Do you have a very expensive medication that you are having trouble paying for? Are you having difficulty paying for your monthly health insurance premiums? The HealthWell Foundation may be able to help…
The HealthWell Foundation
The HealthWell Foundation is a nonprofit organization that provides assistance to individuals who are currently receiving treatment for specific diseases. The program can provide either Premium Assistance or Copayment Assistance to help individuals who are having difficulty meeting monthly medical payments. Premium Assistance helps individuals pay for monthly health premiums if an individual is eligible for health insurance but is having a hard time making the payments. Copayment Assistance can help individuals pay for high medication costs used to treat their qualifying disease.
Qualifying Criteria
In order for the HealthWell Foundation to successfully process applications they require applicants to meet insurance, income and medical criteria. Furthermore:
1) The applicant’s household income needs to be below 400% of the Federal Poverty Level. (see chart below)
Household Size |
Income Limit (400% FPL) |
1 |
$41,616 |
2 |
$56,016 |
3 |
$70, 416 |
2) The patient should be receiving treatment for a specific disease or condition for which funding is provided (please see list of diseases below)
3) Medication must be dispensed within the U.S.
The following is a complete list of qualifying diseases: Acute Porphyrias, Age-Related Macular Degeneration, Anemia associated with Chronic Renal Insuffiency/Chronic Renal Failure, Ankylosing Spondylitis, Asthma- Moderate to Severe, Breast Cancer, Carcinoid Tumors and Symptoms Related to Carcinoid Tumors, Chemotherapy Induced Anemia/Chemotherapy Induced Neutropenia, Colorectal Carcinoma, Cutaneous T-Cell Lymphoma, Head and Neck Cancer, Hodgkin's Disease, Immunosuppressive Treatment for Solid Organ Transplant Recipients, Immunosuppressive Treatment for Solid Organ Transplant Recipients, Iron Overload as a Result of Blood Transfusions, Non-Hodgkin's Lymphoma, Non-Small Cell Lung Cancer, Psoriasis, Psoriatic Arthritis, Rheumatoid Arthritis, Secondary Hyperparathyroidism, Wilms' Tumor.
Application Process
To apply for this assistance you can contact HealthWell via telephone at 800-675-8416 and request they mail you an application or you can apply online. The Hudson Senior Center’s Outreach Department can assist you with the online application and this method of applying tends to be the fastest and easiest way. Once an application is submitted you will also be asked to send in specific documentation to verify your income. They also require a form to be completed by your physician which confirms your qualifying disease. The Outreach Department is here to assist you with compiling this necessary information to complete your application. In fact, we can fax the necessary documents to the HealthWell Foundation directly from the Senior Center. Once they receive all your information the application will be processed in 3-7 business
days. A letter will be mailed to you confirming your enrollment in the program. The foundation will determine what level of assistance you may qualify for. If you are approved your enrollment in the program is effective for 12 months with the option to reapply each year if need be.
If you think you qualify or have further questions about this program you can contact the HealthWell Foundation directly at 800-675-8416 or contact Renee at the Hudson Senior Center 978-568-9638 x 18. Also feel free to check out the HealthWell Website which contains more information about the program and provides a link to apply online. www.healthwellfoundation.org
A Quick Reminder: Stimulus Rebate Package
As many of you may have heard, seniors with Social Security incomes greater than $3,000/yr are eligible to receive a refund in 2008. Most seniors will receive $300 ($600 if married and both are receiving Social Security). In order to receive this refund you will have to file a Federal (IRS) income tax return for 2007. If you have already filed you will receive the rebate if you are eligible; you don’t need to do anything else. If you don’t normally file, you will need to file a return on Form 1040A which is available at the Senior Center. This stimulus rebate is a one time program and does not mean that you will have to file in the future. The IRS is planning to start mailing the refunds in May. If you need assistance filling out this form you can contact Renee or Ana at the Hudson Senior Center. THE DEADLINE FOR FILING
IS OCTOBER 15, 2008.
Comments For May 2008
CAREGIVER SUPPORT GROUP
The AgingWell Adult Day Health Center in Marlboro MA is now offering a Caregiver’s Support Group. The group is open to all members of the community and will be held the first Thursday of each month from 7-8:15pm. The AgingWell ADH Center is located at 420 Maple Street, Marlboro MA 01752. The group will be co facilitated by the Aging Well’s Social Worker and Activities Director. For more information contact Sarah at AgingWell 508-485-7700. Refreshments will be served.
Food Stamps: Seniors, Do You Qualify?
INCOME LIMITS
Q. What are the income guidelines for people over 60 or disabled?
A. There is no gross income guideline for this group.
Eligibility is determined by the Net Income, which is the gross income, less the allowable deductions. Allowable deductions include: Earned income deduction (20% of Earned Income), Standard Deduction (based on family size), Excess Medical Deduction (for over 60 or disabled only), Dependent Care Deduction (maximum of $175 - $200, based on age of child) , Child Support Deduction (actual amount of court ordered child support) , Excess Shelter Deduction (determined by formula) , Homeless Shelter Deduction (alternative to excess shelter deduction for people who are homeless)
People over 60 or disabled are able to claim a medical deduction and their housing deduction is not capped.
ASSET LIMITS
Q. What are the asset limits for elders and disabled individuals?
A. Households with people over 60 or elderly can have a maximum of $3,000 in liquid assets. Cars and primary residences are not counted as an asset.
FOOD STAMPS CONTINUED…
CALL THE OUTREACH DEPARTMENT
If you have further questions or would like to apply for food stamps please contact Renee or Ana at the Hudson Senior Center and we will be happy to assist you with the application.
We are also able to do a preliminary screening using the FOOD STAMP CALCULATOR which is an online tool that can gauge the likelihood that you would qualify for benefits.
You can also apply at the Department of Transitional Assistance, 110 Mount Wayte Avenue, Framingham MA 01702.
A FRIENDLY REMINDER: THE S.H.I.N.E. PROGRAM
SERVING THE HEALTH INFORMATION NEEDS OF ELDERS AND THEIR FAMILIES
I WOULD LIKE TO REMIND ALL SENIORS AND DISABLED INDIVIDUALS THAT THIS PROGRAM IS AVAILABLE TO HELP PROVIDE YOU WITH VALUABLE HEALTHCARE INFORMATION. ALL SERVICES ARE FREE AND CONFIDENTIAL. IF YOU HAVE QUESTIONS ABOUT MEDICARE, MASSHEALTH, PRIVATE HEALTH INSURANCE, DRUG COVERAGE, PRESCRIPTION ADVANTAGE, CLAIMS AND BILLING ISSUES, OR ANY OTHER HEALTH INSURANCE QUESTIONS… PLEASE CALL US!
RENEE GRENIER 978-568-9638 X 18
ANA SALOMAO (Portuguese Speaking) 978-568-9638 x 19
JANICE LONG 978-568-9638 X 13
Comments For April 2008
Stimulus Rebate Package
As many of you may have heard, seniors with Social Security incomes greater than $3,000/yr are eligible to receive a refund in 2008. Most seniors will receive $300 ($600 if married and both are receiving Social Security). In order to receive this refund you will have to file a Federal (IRS) income tax return for 2007. If you have already filed you will receive the rebate if you are eligible; you don’t need to do anything else. If you don’t normally file, you will need to file a return on Form 1040A which is available at the Senior Center. The form is very basic and does not take long to complete. This stimulus rebate is a one time program and does not mean that you will have to file in the future. The IRS is planning to start mailing the refunds in May. If you need assistance filling out this form you can contact
myself or Ana at the Hudson Senior Center. We can either help you at the Center or mail you the form with instructions on how to fill it out.
Caregiver Support Group
A while ago we asked caregivers in town if they would be interested in starting a Caregiver Support Group; however, we did not receive much feedback. I would like Caregivers reading this to consider this type of local resource. I would also like to know your concerns about what it would take to effectively have this group. For example, what times would be most convenient, how often would you like to meet and would caregivers need to have formal supports in place so that they could leave their loved one to attend the group. I believe that this is a needed resource within our community and would welcome any comments or suggestions so that we can move forward with establishing a local group.
A Reminder : Fuel Assistance
Please remember that the SMOC Fuel Assistance Program is accepting applications until April 31, 2008. If you think you qualify please contact myself or Ana who can assist you with the application. There is still time!
Comments For February and March 2008
The Circuit Breaker Tax Program: A Property Tax Credit
The Massachusetts Circuit Breaker Tax is a program that was implemented to assist persons age 65 and over whose property taxes exceeds 10% of their yearly income. The senior must also meet the following additional criterion. First the senior must be age 65 or over by the end of the tax year during which they file. Income can not be greater than the amount indicated in the chart below.
Income for Tax Year |
2004 |
2005 |
2006 |
2007 |
Single |
44,000 |
45,000 |
46,000 |
48,000 |
Head of Household |
55,000 |
56,000 |
58,000 |
60,000 |
Married, Filing Jointly |
66,000 |
67,000 |
70,000 |
72,000 |
Recipients must either own or rent property in Massachusetts. Those who are subsidized renters are not eligible. Property can not have an assessed value greater than $441,000 for 2004, $600,000 for 2005, $684,000 for 2006, and $772,000 for 2007. Lastly, for property owners your credit is based on how much your property taxes, including water and sewer charges exceed 10% of your total income for the year. For renters, the credit is the amount by which 25% of your annual rent exceeds 10% of your total income. You can not apply if you file “married filing separate” status, you get a federal or state rent subsidy, you rent from a landlord who is not required to pay real estate taxes, or you are the dependent of another tax payer.
Note: If you meet these requirements you may be eligible for the refundable tax credit or circuit breaker now and for the past 3 years (even if you did not file MA state income tax forms). You can file for the 2007 tax year beginning in Jan 2008 and you may file retroactively for the last 3 years beginning now.
Maximum Credit You May Receive
2007 |
2006 |
2005 |
2004 |
$900 |
$870 |
$840 |
$820 |
Comments for January 2008:
This article has been provided by the AgingWell Center in Marlborough MA. Stay tuned for more information about the AgingWell Center and presentations about the program that will be scheduled here at the Hudson Senior Center.
Adult Day Care Center to Open in Marlborough
There are options in caring for your elderly and disabled loved ones, and they don’t necessarily begin or end at a nursing home. Adult day health centers, more often referred to as adult day care, provide a much-needed haven for adults who require daytime supervision. These centers offer a warm, caring, supportive environment where adults with disabilities can benefit not only from an attentive medical staff, but also from an expanded social group. Too often those with disabilities become isolated and their conditions deteriorate. Adult day health centers focus on an all around experience, promoting mental, physical and social health.
Centers have popped up throughout Massachusetts with varying degrees of services. In the Metrowest and Central Massachusetts area; however, there are very few to choose from. Soon a new center will be opening in Marlborough, and it will be the first of its kind in the area.
The independently owned AgingWell Center is far more spacious than other local facilities. It’s devoted to caring for the elderly and disabled. The atmosphere is comfortable and homey, reassuring not only for those in the program, but also for their caregivers.
One of the largest facilities, the AgingWell center has a multitude of rooms where participants can enjoy a variety of activities from cooking groups to aerobics. A living room outfitted with plush sofas, chairs, and even a pool table makes for a good socializing space. Participants can talk, play board games and even catch performances in this room. Other rooms include a home theater room, a dining room, a computer room and a quiet room/library.
The AgingWell center can help maintain and even improve levels of functioning by providing the elderly and disabled an opportunity to interact with peers and participate daily in new activities.
In addition to activity coordinators and performers, the center also has licensed nurses, a social worker, and occupational, physical and speech therapists on hand. AgingWell’s staff cares for your loved ones just as you would, supplying everything from home-cooked meals to haircuts and transportation.
When your loved ones aren’t quite ready for round-the-clock care, they can still benefit greatly from a center like AgingWell. Adult day health centers have been proven effective in preventing or delaying the need for nursing home care, and they do so at a far lower cost then both nursing homes and at home care. The services can also be covered by Masshealth, Veteran’s Insurance, and other forms of payment. The AgingWell center can work with families to find an appropriate payment plan. To find out more information please e-mail to info@agingwellcenter.com.
Comments for December 2007:
SHINE UPDATE: ANNUAL ENROLLMENT PERIOD
A reminder to all seniors that Annual Enrollment for Medicare Advantage Plans and Medicare Prescription Drug Plans is from November 15th to December 31st. This is the time to review the current plans that you have and make changes if necessary. Ana, Janice and I are scheduling a lot of SHINE appointments to help determine what options are available. Call to schedule an appointment if would like some assistance. It is important to consult with a SHINE counselor before making changes to your coverage.
ALZHEIMER’S ASSOCIATION SAFE RETURN PROGRAM
The Safe Return Program is a nationwide identification system that serves a vital role in assisting individuals and families who are affected by Alzheimer’s disease. Individuals who suffer from this disease can become disoriented to time, place, and person, increasing the risk of wandering. Fortunately, the Safe Return Program is available to ensure that in the event an individual wandered, once found, would be properly identified and reunited with their family. The program registers members in a national database that will dispense information to local law enforcement in the event the member is lost. When found, a citizen or law enforcement officer will contact the 800 number and Safe Return will notify listed contacts. Your local Alzheimer’s Association will provide additional support. The one time registration fee is $40.00
and the registrant will receive a Safe Return engraved bracelet/necklace, wallet cards, and other ID items. Also, caregivers can receive their own ID items (for an additional $5.00) to make certain in case of an emergency, others would be alerted they provide care to a person registered in Safe Return. Registration Forms are available at the Hudson Senior Center as well as information on resources that can assist with paying for this program. To register by phone call 1-888-572-8566 or you can do so online at www.alz.org/safereturn.
PODIATRY INFORMATION
Dr. Anthony Tickner will be providing an information session at the Hudson Senior Center on Monday December 10th at 1pm. Dr. Tickner is located at Associated Foot Specialists, 439 Main Street, Hudson MA. He is available for both office and home visits. Please join us for this presentation to learn about the services he can offer to you or family members. Dr. Tickner is also specialized in wound care and treatment and will be discussing his areas of expertise.
Comments for November 2007:
Serve New England: A Food Cooperative Program
“Serve New England” is a non profit organization that is not subsidized by the government. The program allows community volunteers to purchase top quality food packages at a fraction of the retail cost. The only requirement is 2 hours of volunteer service per month. Volunteer service is defined as anything you do for someone else outside of your family without monetary compensation. There are many ways to volunteer and many are already serving there local senior centers, schools, hospitals or churches. The program is open to all ages, races and income ranges. Serve New England purchases food from the same retailers that supermarkets use. Local growers are used often to ensure the freshest produce possible. You can sign up for this program at your local chapter, by internet or phone. The local office that serves Hudson, MA is
located at Employment Options Inc, 82 Brigham Street, Marlborough MA 01752. Phone: 508-485-5051. Family meal packages start at $20.00 and meat only packages start at $13.00. Accepted methods of payment: credit cards, EBT vouchers, or cash.
Fuel Assistance
Don’t forget Fuel Assistance is open November 1, 2008. Please contact Ana or Renee to schedule an appointment to apply for this program that help you save on heating costs. Remember those applying will need to bring the following documents:
1. Current 30 day income documentation, including copies of all fixed income checks (Social Security, SSI, veterans benefits, 1099 forms, pay stubs, interest/dividend income. Self employed must submit current federal tax returns. Rental income will be verified with complete tax forms as well.
2. Names, Addresses and social security numbers for all household members. All members of the household have to report.
3. Address verification. Photo ID is required for head of household.
4. Copies of heating and electrical bills.
5. Regular or subsidized leases, mortgage documentation, real estate tax bills, and home owner’s insurance bills.
Missed a Previous Article?
This website contains updated information about benefit programs, home care services, and health insurance.
Comments for October 2007:
SMOC Fuel Assistance Program:
A program that can help low income households with the cost of heating this winter.
Please review the income guidelines below and contact Ana or Renee at the Hudson Senior Center if you think you may be eligible. We will start scheduling appointments on October 26th 2007. The program will begin on November 1, 2007.
Income Guidelines FY 2008 |
Household Size |
Maximum Gross Annual Income |
1 |
$20,420 |
2 |
$27,380 |
3 |
$34,340 |
4 |
$41,300 |
5 |
$48,260 |
For those applying, SMOC requires the following information:
1. Current 30 day income documentation, including copies of all fixed income checks (Social Security, SSI, veterans benefits, 1099 forms, pay stubs, interest/dividend income. Self employed must submit current federal tax returns. Rental income will be verified with complete tax forms as well.
2. Names, Addresses and social security numbers for all household members. All members of the household have to report.
3. Address verification. Photo ID is required for head of household.
4. Copies of heating and electrical bills.
5. Regular or subsidized leases, mortgage documentation, real estate tax bills, and home owner’s insurance bills.
Other Assistance Programs: See if you qualify today!
I would like to extend a reminder to all seniors that they may qualify for a number of additional programs like Food Stamps, Prescription Advantage, or special Mass Health programs. Please do not hesitate to contact either myself or Ana if you would like eligibility information on these programs. Screening for benefits does not take long and could end up saving you quite a bit. We are available for phone calls, office consultations, and home visits. Please take a look at the income guidelines for some of these additional programs.
Assistance and Benefit Programs 2007
Food Stamp Eligibility Guidelines
(Income Before Deductions)
If you live alone, with other adults, and no children:
Household Size |
Monthly Income |
1 |
$1,062 |
2 |
$1,430 |
3 |
$1,799 |
Prescription Advantage Eligibility Guidelines
(Income Before Deductions)
For Members Who ARE Eligible For Medicare |
Single Annual Income |
Married Annual Income |
$51,050 |
$68,450 |
|
|
For Members NOT Eligible For Medicare |
Single Annual Income |
Married Annual Income |
$51,050 and over |
$68,450 |
Limited Income Subsidy: |
Extra Help with Medicare Prescription Drug Plan Costs |
(Monthly Income Limits Before Deductions) |
Individual Income limit/Individual Asset Limit |
(100% FPL) |
$851 |
/ |
$12,190 |
(135% FPL) |
$1,149 |
/ |
$12,190 |
(150% FPL) |
$1,277 |
/ |
$23,410 |
|
|
|
|
Couple Income limit/Couple Asset Limit |
(100% FPL) |
$1,141 |
/ |
$12,190 |
(135% FPL) |
$1,541 |
/ |
$12,190 |
(150% FPL) |
$1,712 |
/ |
$23,410 |
Mass Health Buy-In Programs
(Will pay the monthly Medicare Part B premium $93.50)
Monthly Income Limits for Individuals and Couples Before Deductions:
Individual Income limit/Individual Asset Limit
|
QI-1 (135% FPL) |
$1,169 |
/ |
$4,000 |
SLMB (120% FPL) |
$1,041 |
/ |
$4,000 |
QMB (100% FPL) |
$871 |
/ |
$4,000 |
|
|
|
|
Couple Income limit/Couple Asset Limit
|
QI-1 (135% FPL) |
$1,561 |
/ |
$6,000 |
SLMB (120% FPL) |
$1,389 |
/ |
$6,000 |
QMB (100% FPL) |
$1,161 |
/ |
$6,000 |
Mass Health Standard
(Monthly Income Limits for Individuals and Couples Before Deductions)
Individual Income Limit |
Individual Asset Limit |
$871 |
$2,000 |
Couple Income Limit |
Couple Asset Limit |
$1,161 |
$3,000 |
SSI: Supplemental Security Income
(Monthly Income Limits for Individuals and Couples Before Deductions)
Individual Income Limit |
Individual Asset Limit |
$771 |
$2,000 |
Couple Income Limit |
Couple Asset Limit |
$1,154 |
$3,000 |
Comments for September 2007:
SMOC Fuel Assistance Program:
A program that can help low income households with the cost of heating this winter.
Please review the income guidelines below and contact Ana or Renee at the Hudson Senior Center if you think you may be eligible. We will start scheduling appointments on October 26th 2007. The program will begin on November 1, 2007.
Income Guidelines FY 2008 |
Household Size |
Maximum Gross Annual Income |
1 |
$20,420 |
2 |
$27,380 |
3 |
$34,340 |
4 |
$41,300 |
5 |
$48,260 |
For those applying, SMOC requires the following information:
1. Current 30 day income documentation, including copies of all fixed income checks (Social Security, SSI, veterans benefits, 1099 forms, pay stubs, interest/dividend income. Self employed must submit current federal tax returns. Rental income will be verified with complete tax forms as well.
2. Names, Addresses and social security numbers for all household members. All members of the household have to report.
3. Address verification. Photo ID is required for head of household.
4. Copies of heating and electrical bills.
5. Regular or subsidized leases, mortgage documentation, real estate tax bills, and home owner’s insurance bills.
Other Assistance Programs: See if you qualify today!
I would like to extend a reminder to all seniors that they may qualify for a number of additional programs like Food Stamps, Prescription Advantage, or special Mass Health programs. Please do not hesitate to contact either myself or Ana if you would like eligibility information on these programs. Screening for benefits does not take long and could end up saving you quite a bit. We are available for phone calls, office consultations, and home visits. Please take a look at the income guidelines for some of these additional programs.
Assistance and Benefit Programs 2007
Food Stamp Eligibility Guidelines
(Income Before Deductions)
If you live alone, with other adults, and no children:
Household Size |
Monthly Income |
1 |
$1,062 |
2 |
$1,430 |
3 |
$1,799 |
Prescription Advantage Eligibility Guidelines
(Income Before Deductions)
For Members Who ARE Eligible For Medicare |
Single Annual Income |
Married Annual Income |
$51,050 |
$68,450 |
|
|
For Members NOT Eligible For Medicare |
Single Annual Income |
Married Annual Income |
$51,050 and over |
$68,450 |
Limited Income Subsidy: |
Extra Help with Medicare Prescription Drug Plan Costs |
(Monthly Income Limits Before Deductions) |
Individual Income limit/Individual Asset Limit |
(100% FPL) |
$851 |
/ |
$12,190 |
(135% FPL) |
$1,149 |
/ |
$12,190 |
(150% FPL) |
$1,277 |
/ |
$23,410 |
|
|
|
|
Couple Income limit/Couple Asset Limit |
(100% FPL) |
$1,141 |
/ |
$12,190 |
(135% FPL) |
$1,541 |
/ |
$12,190 |
(150% FPL) |
$1,712 |
/ |
$23,410 |
Mass Health Buy-In Programs
(Will pay the monthly Medicare Part B premium $93.50)
Monthly Income Limits for Individuals and Couples Before Deductions:
Individual Income limit/Individual Asset Limit
|
QI-1 (135% FPL) |
$1,169 |
/ |
$4,000 |
SLMB (120% FPL) |
$1,041 |
/ |
$4,000 |
QMB (100% FPL) |
$871 |
/ |
$4,000 |
|
|
|
|
Couple Income limit/Couple Asset Limit
|
QI-1 (135% FPL) |
$1,561 |
/ |
$6,000 |
SLMB (120% FPL) |
$1,389 |
/ |
$6,000 |
QMB (100% FPL) |
$1,161 |
/ |
$6,000 |
Mass Health Standard
(Monthly Income Limits for Individuals and Couples Before Deductions)
Individual Income Limit |
Individual Asset Limit |
$871 |
$2,000 |
Couple Income Limit |
Couple Asset Limit |
$1,161 |
$3,000 |
SSI: Supplemental Security Income
(Monthly Income Limits for Individuals and Couples Before Deductions)
Individual Income Limit |
Individual Asset Limit |
$771 |
$2,000 |
Couple Income Limit |
Couple Asset Limit |
$1,154 |
$3,000 |
What is the Frail Elder Waiver Program?
As of July 1, 2005 Medicaid created a federal program that would be administered by the state through local Aging Service Access Points (ASAP’s). Bay Path Elder Services is the local ASAP that services Hudson, MA. The program was designed to expand services to those individuals who are nursing home eligible and receiving home care services. To be eligible for this program an individual must:
· Be an ASAP client (age 60 or older)
· Meet criterion for nursing home eligibility as determined by a Home Care RN,
· Meet the new income and asset guidelines for the Frail Elder Program. Income must be $1,869/month or less for an individual. Asset limit of $2,000. If a client is married Mass Health will not count the spouses income.
The Frail Elder Program has helped many seniors get the services they need at home without having to enter a nursing facility. It has also relieved families from the burden of having to pay for private home care services to supplement what they are providing. The Program also entitles seniors to plenty of Mass Health benefits, such as transportation to medical appointments, Lifeline Emergency Response Buttons, and even Adult Day Health coverage. If you or someone you know thinks they may qualify please contact your local ASAP, Bay Path Elder Services at 508-872-1866. As always, please feel free to contact myself at 978-568-9638. Keep in mind that SHINE counselors at the senior center can assist with the Mass Health Application for this program and all other Mass Health programs.
Are You O.K.?
The Hudson Police Department offers a special program that provides a daily check-in for seniors and disabled individuals. The “Are You O.K.?” Program makes daily wellness phone calls to individuals in the morning between the hours of 7am-10am. If members cannot be contacted within a 15-minute period a police cruiser will be dispatched to the home to perform a safety check. This program is a wonderful way to provide assurance to both families and seniors. If you or someone you know would like to sign up for this program please contact Peter Ryan or Lillian Beland at the Hudson Police Department 978-562-7122
Comments for August 2007:
HIV and the Elderly
Janice and I recently attended a 3-day seminar at Boston College School of Social Work. The course focused on several important aging issues but one issue in particular seemed quite alarming. The topic: “HIV and the Elderly”, presented by Cynthia Cannon Poindexter MSW, Ph. D. While HIV is considered a popular topic among the younger generation; in reality, the greatest increase in AIDS diagnoses occurs in those between the ages of 50 to 64 yrs. In fact, 10% of all US residents diagnosed with end stage HIV (AIDS) have been age 50+ since 1981. The figures now stand at 12%. So the question becomes why are HIV infected older adults somehow invisible?
These are questions that Cynthia Cannon Poindexter went on to answer. A large part of the problem still exists because of many layers of oppression that society can enforce. Ageism, sexism, classism, racism, homophobia, and HIV stigma can create an environment that prohibits open acknowledgement and acceptance for those facing an HIV diagnoses. Nevertheless, we do know is that the risk factors are exactly the same for elders as with the younger population. Men who engage in same sex relations, older women and injecting drug users are all at increased risk. There are however many differences between the perception of older and younger HIV infected individuals. Older gay men are less likely to seek medical care, service, and support due to stigma, violence and distrust. Older women may not be comfortable with open
discussion of sexual matters. Older drug users may feel more ashamed or unwelcome in service/care sectors. There is often a feeling of anticipated judging, especially from peers.
The physical effects of the disease are worse for older adults who may have additional medical conditions and this often leads to higher mortality rates. Unfortunately many physicians are less likely to offer HIV tests to the elderly, which can lead to misdiagnoses. Dr. Cannon presented these facts but then encouraged us all to think about what can be done to increase awareness to all individuals. Firstly, it is important to educate individuals about the disease and encourage them to make safe choices when choosing partners.
Secondly, for those who do have a diagnoses it is especially important to seek help from local service agencies so that you can get the treatment and assistance that you deserve. HIV continues to be a concern for the population regardless of age. It is often a topic that goes unrecognized in the older population. It’s about time that we dismiss stereotypes, fears and myths about this disease and start acknowledging the reality of who is being infected. If you would like some more information regarding this topic you can contact the Outreach Dept. or check out the following website: www.HIVoverfifty.org.
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