The New York City Department of Finance has agreed to a settlement that will reinstate or recalculate the previously frozen rent rates of widowed seniors who had been surprised by steep rent increases after the death of their spouses.
A 2014 rule change by the New York City Department of Finance instituted a new requirement that a spouse or disabled adult wishing to take over a Disability Rent Increase Exemption (DRIE) or Senior Citizen Rent Increase Exemption (SCRIE) from a deceased head of household file an application within 60 days of the death. According to the lawsuit, households receiving the benefits were not given notice of the new rule. As a result, many recently widowed seniors were hit with alarming rent increases.
In March, a settlement was reached awarding damages and legal fees to the plaintiffs and putting an end to the 60-day deadline. The deadline for benefits takeovers is now six months after the death of the head of household or 90 days after receiving notice, whichever is later. The Finance Department also agreed to send information to tenants in seven languages. Read about SCRIE or DRIE.
When winter’s beauty turns more beast with arctic winds, mounds of snow and bone-chilling temperatures, the season’s harsh side can prove especially dangerous for senior adults. Even older snowbirds escaping to warmer climates still can encounter dips in the thermometer, dampening rains and icy navigation.
“Colder weather is not particularly kind to seniors,” said Lou Giampa, President of Right at Home Westchester. “Slick sidewalks lead to falls; colds and the flu escalate; and depression looms because of indoor confinement and less social interaction. To counter the wintertime risks for older adults, basic planning and prevention can make the cold weather manageable and actually enjoyable.”
To help families ensure their seniors stay warm and safe during winter months, Giampa recommends the following precautions:
Stay warm indoors. A comfortable thermostat setting in winter is 68° to 70° F. Many elders push their thermostats to higher temperatures, but this promotes over-dry skin and nasal passages, and raises the heating bill. Instead, seniors who feel chilled might consider wearing thicker socks, fleece slippers and a thin, thermal undershirt and leggings. Today’s lightweight “long johns” trap body heat, wick away moisture and layer well beneath outer clothes. Wearing a scarf around the neck and a knit hat also can increase one’s warmth around the house.
Beware of slick outdoor conditions. Inclement weather can create a buildup of snow, ice and mud on walkways and driveways. Outdoor fall prevention includes these tips: wear nonskid boots, get help with snow shoveling, use ice melt or sand for traction, and watch diligently for black ice.
Wear appropriate clothing outdoors. To prevent heat loss or hypothermia when body temperature drops too low, the elderly who venture into the cold should wear light, layered, loose-fitting clothing under an insulated, waterproof winter coat. Outerwear with a fleece lining and windproof shell is a plus. A hat is a must since as much as 50 percent of body heat is lost through the head. Weatherproof, lined gloves or mittens that still allow for flexibility are also a smart answer to the cold.
Stay current on immunizations. Seniors with a weakened immune system are more vulnerable to catching colds and the flu or more severe illnesses including pneumonia. Older adults should consult with their doctor about seasonal and year-round immunizations that are best for their individual overall health.
Consume a balanced diet. Individuals who remain indoors more during winter find it tempting to eat starchy convenience foods and skip fresh fruits and vegetables. Adding vegetables to soups and fruits to smoothies is an easy way to add vitamin-enriched foods to a senior’s diet. With less natural sunlight during winter to boost a body’s vitamin D level, eating vitamin-D fortified foods including grains, milk and seafood can help.
Keep well-hydrated. Although the elderly may not feel as thirsty in cooler weather, drinking six to eight glasses of liquid a day is still advised. Hot tea, apple cider and cocoa are fun additions to a wintertime beverage list, but stay mindful of the extra sugar and calories.
Ward off isolation and depression. Harsh weather invites less social interaction, and for many seniors, can put a damper on mental health. To prevent loneliness and the winter blues in the elderly, schedule regular outings, personal visits, phone calls and social networking. Staying connected with others helps trigger the body’s natural mood lifters including dopamine, serotonin and endorphins.
Be prepared for power outages and other emergencies. Every home needs a year-round emergency preparedness kit that includes a flashlight, batteries and first aid supplies. For a comprehensive list of what to do and not do during a power outage, visit the Department of Homeland Security’s website at http://www.ready.gov/power-outage.
Don’t forget the car. For safe wintertime driving, good wipers and tires with plenty of snow-gripping tread are essential. Always keep the gas tank near full and carry an ice scraper, windshield washer fluid and a safety kit. Before getting on the road, it is smart for seniors to share their travel routes and expected arrival times with family or friends. Traveling with a charged cellphone and a car charger is another safety tip for any season of the year.
Giampa also advises that throughout winter, families check in daily with their elder loved ones who are living alone. Home healthcare companies like Right at Home provide senior care services including regular home visits for everything from companion care to driving the elderly to appointments, errands and wintertime activities.
With safety steps in place, aging adults can enjoy more beauty in winter than beast.
About Right at Home
Founded in 1995, Right at Home of provides in-home care and assistance to seniors and the disabled. They help care for seniors who require some assistance in order to maintain their independence, improving their quality of life, and enabling them to remain in their homes. Their caregivers help with all the activities of daily living, as well as cooking, light housekeeping, safety supervision, medication reminders, and transportation to medical appointments, grocery shopping, social activities, etc. Our caregivers are thoroughly screened, trained, and bonded/insured prior to entering a client’s home.
About the Owner
Lou Giampa is the President of Right at Home Westchester. Lou is a New York State Certified Nurse Aide (CNA) who volunteers in hospitals and nursing homes throughout Westchester County. He also volunteers with the Alzheimer’s Association, Meals on Wheels, and the Aging in Place community. For more information, visit www.westchesterseniorcare.com.
Certain forms of life insurance can be used as an investment and estate planning tool as well. Understanding the different options, term life insurance and permanent life insurance, can help to protect your family’s economic security in the event of an unexpected death.
Term life insurance
Term life insurance is pure risk protection, and it is what many families consider to be essential. The premium is paid for a certain term, or number of years, and the death benefit is paid out only if the insured person dies before the term ends. Term life insurance is much less costly than permanent life insurance, for the simple reason that the insurance company expects to only have to pay out the death benefit for about five percent of policies.
Within term life insurance, a common type is guaranteed level premium term life insurance, in which the annual premium remains the same for the entire term of 10, 15, 20 or 30 years. Insurance companies may also offer return premium term life insurance. With this type, some of the premiums paid are returned if the policyholder outlives the term, minus fees that the insurance company retains. This type of term life insurance is more expensive.
Permanent life insurance
With permanent life insurance, there is no fixed term, and the policy is in place for the insured person’s entire life. As long as the premiums are paid, then a death benefit will be paid when the person dies. Because the insurance company knows it must pay out a benefit, the premiums it charges are much higher than for term life insurance.
Permanent life insurance is typically comprised of an insurance portion and a savings or investment portion. The insurance company invests part of the premiums paid, and the policy builds up a cash value on a tax-deferred basis. The policyholder can usually borrow against the cash value.
The basic form of permanent life insurance is known as whole life insurance. A more flexible form is known as universal or adjustable life insurance. With a universal life insurance policy, one may choose to pay premiums at different times and increase the death benefit. One may also select a fixed death benefit, or an increasing amount equal to the face value of the policy plus the cash value amount.
A 2014 rule change by the New York City Department of Finance instituted a new requirement that a spouse or disabled adult wishing to take over a Disability Rent Increase Exemption (DRIE) or Senior Citizen Rent Increase Exemption (SCRIE) from a deceased head of household file an application within 60 days of the death. According to the lawsuit, households receiving the benefits were not given notice of the new rule. As a result, many recently widowed seniors were hit with alarming rent increases.
To help families ensure their seniors stay warm and safe during winter months, Giampa recommends the following precautions: