FairhaVEN SENIOR Lifestyles - Dedicated to Serving Fairhaven's Finest, Our Senior Citizens - Parishes Online

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FairhaVEN SENIOR Lifestyles - Dedicated to Serving Fairhaven's Finest, Our Senior Citizens - Parishes Online
FairhaVEN SENIOR Lifestyles
    Dedicated to Serving Fairhaven’s Finest, Our Senior Citizens
                   229 Huttleston Avenue, Fairhaven, MA 02719          HOLIDAY CLOSING
                  Phone: (508) 979-4029 ∙ Fax: (508) 979-4116           Monday, July 5th
       Email: asilvia@fairhaven-ma.gov - Website: www.fairhaven-ma.gov Independence Day

                          JULY 2021

                A FEW INTERESTING FACTS ABOUT
                    OUR NATION’S BIRTHDAY
          In July 1776 the estimated number of people living
          in the newly independent nation was 2.5 million.
          Today the estimated population on July 4th, 2021 is
          331 million. Census.gov.

          The 4th of July commemorates the adoption of the
          Declaration of Independence. It was adopted by
          Congress on July 2, 1776. It was revised and the
          final version was adopted two days later on July
          4th. It was not until August 2nd that the Declaration
          of Independence was signed by 56 members of the
          Continental Congress in Philadelphia.

          John Adams the second President of the United
          States and Thomas Jefferson the 3rd President,
          both signers of the Declaration of Independence,
          died on the same day, July 4th, 1826 about 5 hours
          apart.

          It took almost 100 years for the U.S. Congress to
          declare July 4th an official holiday.

          The oldest signer of the Declaration of Independ-
          ence was Benjamin Franklin at age 70. The young-
          est signer was Edward Rutledge who was 26.
          The first signation on the Declaration of Independ-
          ence was the President of the Continental Con-
          gress, John Hancock.

          Denmark celebrates our Fourth of July each year.
          Rebild National Park in Denmark is said to hold
          the largest July 4 celebrations outside of the United
          States.

          In 1998 Congress passed a bill declaring the 21
          days between Flag Day, June 14th and Independ-
          ence Day, July 4th as Honor America Days.
FairhaVEN SENIOR Lifestyles - Dedicated to Serving Fairhaven's Finest, Our Senior Citizens - Parishes Online
Page 2                                                          Fairhaven COA                                                  July 2021

                                                                          MEET THE STAFF
                                                                          Director                    Anne Silvia
                                                                          Senior Office Assistant     Cynthia Vandenburgh
                                                                          Social Day Activities Dir.  Sally Bourke
                                                                          Outreach Coordinator        Lucille Dauteuil
                                                                          Asst. Outreach Coordinator Carolyn Dantoni
                                                                          Volunteer Coordinator       Christine Alfonse
                                                                          Office Assistant            Phyllis Pequita
                                                                          Environmental Coordinator Rich Walker
             FAIRHAVEN SENIOR CENTER                                      Van Drivers
                     229 Huttleston Avenue                                       Frank Barcellos, Leon Hebert
                      Fairhaven, MA 02719                                        Ron Dexter, James Hennessy
                                                                          Newsletter Editor           Cynthia Vandenburgh
                      Phone: 508-979-4029
                       Fax: 508-979-4116
                    Social Day: 508-993-9455                              BOARD OF DIRECTORS
WEBSITE:                                                                  Vice Chairperson                  Jack Oliveira
https://www.fairhaven-ma.gov/council-aging                                Secretary                         Lee Allaire
HOURS: Monday - Friday        7:30 am to 3:30 pm                          Member                            Joan Mello
                                                                          Associate Member                  Carol Burt
                      MISSION STATEMENT
                      The Council on Aging
                                                                          Associate Member                  Bob Ryan
                  Is an Advocate for Improved                             Associate Member                  Susan Oiestad
         Quality of Life for Seniors through Education,
                      Programs & Services.

                                                                                         SYN•ER•GY -
                                                                           THE COOPERATIVE EFFORT OF TWO ENTITIES TO ACHIEVE A MORE
                                                                                SUCCESSFUL OR PRODUCTIVE RESULT - YOUR HEALTH
                                                                           PAIN, WEAKNESS, BALANCE ISSUES, DIFFICULTY WALKING OR
                                                                         AFTER SURGERY - CALL US DIRECTLY TO SCHEDULE AN EVALUATION
                                                                            Call (508) 991-2918 to schedule an appointment
                                                                                      147B WASHINGTON STREET, FAIRHAVEN
                                                                                          www.synergyptfairhaven.com
  "Your Home Sold Guaranteed or I’ll Buy It!*
      Seller and Bill must agree on price and time of possession
                            *William Ryan

                 EMAIL ADDRESS:
            southcoastelitere@gmail.com
                      WEBSITES:
   fairhaventopagent.com | southcoastelitere.com
           Call Bill today at 508.441.1186
            86 Huttleston Ave., Fairhaven

 Your Dock & Door Specialists Since 1954
 TAUNTON GARAGE DOOR
 Residential • Commercial • Industrial
   FAIRHAVEN             TAUNTON
1-508-997-5300 1-508-824-5290

         Ad info. 1-800-477-4574 • Publication Support 1-800-888-4574 • www.lpicommunities.com   Fairhaven COA, Fairhaven, MA 06-5089
FairhaVEN SENIOR Lifestyles - Dedicated to Serving Fairhaven's Finest, Our Senior Citizens - Parishes Online
July 2021                                           Fairhaven COA                                              Page 3

                                                                                MALL TRIPS
             INSIDE OUR JULY LIFESTYLES
                                                            Reservations accepted beginning the 15th of the
Meet the Staff                          Page 2              prior month. There is a $6.00 charge unless
                                                            marked. The van leaves the Center promptly at
Mall Trips                              Page 3              9:00 am.
Recipe - Easy Lime Cake                 Page 3                                     JULY
Social Day Program                      Page 4              July 7        Tiverton Casino
                                                            July 14       Wrentham Village
Senior Center Transportation            Page 5              July 21       Mashpee Commons
                                                            July 28       Thames St., Newport, RI
Fitness, Wellness, Support,             Page 6
  Education and Legal                                                            AUGUST
                                                            August 4      Twin River Casino
Fairhaven Tours & Events                Page 6              August 11     Hyannis Mall, Xmas Shop & Trader
                                                                          Joes and Whole Foods
All July Events and Activities          Page 7              August 18     Patriots Place
                                                            August 25     Plymouth Shopping
Menu                                    Page 8
Avoiding Dehydration                    Page 10                              EASY LIME CAKE
Puzzle - 4th of July                    Page 11            Ingredients:
                                                             1 standard size package white or vanilla cake mix
                                                             1 cup lime yogurt or sour cream not fat free
              ARE YOU ELIGIBLE FOR                           1/2 cup oil
             FINANCIAL ASSISTANCE?                           4 eggs
                                                             1 tablespoon finely grated lime peel
The Association for the Relief of Aged Women                 1 tablespoon lime juice
(ARAW) provides assistance to women who:                   Glaze
• Are over 70 years of age                                   2 cups powdered sugar
• Live alone                                                 3 tbsp melted butter
• Reside for more than 5 years in Fairhaven                  3-4 tbsp lime juice
                                                             1-2 tbsp milk more or less depending on consistency
• Meet the qualifying income                                  you want the glaze
Examples of types of assistance:                              Pinch of salt
                                                           Directions:
• Utility bills                                              1. HEAT oven to 350°F. Coat 12-cup bundt pan or
• Dentures or dental bills, hearing aids, glasses          10-inch fluted tube pan with no-stick cooking spray.
• Health and car insurance                                 Dust with flour.
• Medical equipment                                          2. BEAT cake mix, yogurt or sour cream, oil, eggs,
                                                           lime juice and lime peel in large bowl with electric mix-
Call Lucille at the Fairhaven Council on Aging at 508-     er on low speed 1 minute or until moistened. Beat on
979-4029 with any questions or to see if you qualify.      medium speed 2 minutes. Spread evenly in prepared
                                                           pan.
         SALLY RIDE PRESENTATION                             3. BAKE 40 to 44 minutes or until toothpick inserted
                                                           in center comes out clean. Cool in pan 15 minutes.
         Tuesday, July 6th at 1:00 pm                      Remove from pan to wire rack to cool completely.
          Fairhaven Council on Aging                         4. MIX powdered sugar, melted butter, lime juice,
Sheryl Faye is an actress who writes and per-              milk and butter with a whisk in a large bowl. Once
forms a one-woman show portraying famous                   combined, spoon over bundt cake. If desired garnish
women. The Fairhaven COA received a grant                  with additional lime peel. #Lovefromtheoven
from the Fairhaven Cultural Council to have her
perform her Sally Ride presentation. This will be            DO YOU QUALIFY FOR FREE GROCERIES?
an intergenerational event with the children from          The Fairhaven COA participates in the Greater Boston
the Kool Kids Program. Sheryl makes it fun with            Food Bank distribution. The Greater Boston Food Bank
her props and audience participation. Please call          provides free non-perishable groceries and fresh fruit
the Fairhaven Senior Center at 508-979-4029 if             and vegetables to financially eligible seniors over 60
you plan to attend.                                        years old. Call the Fairhaven COA at 508-979-4029
                                                           and ask for Anne Silvia to see if you qualify financially
                                                           to participate in this program.
FairhaVEN SENIOR Lifestyles - Dedicated to Serving Fairhaven's Finest, Our Senior Citizens - Parishes Online
Page 4                                                      Fairhaven COA                                                      July 2021

                  FAIRHAVEN SUPPORTIVE SENIOR SOCIAL DAY PROGRAM
                              FAIRHAVEN COUNCIL ON AGING
                       229 HUTTLESTON AVE., FAIRHAVEN, MA 02719
                                      508-993-9455
                                    MONDAY - FRIDAY
                                    8:30 AM - 3:00 PM
                               TRANSPORTATION PROVIDED
                            SENIORS 60 YEARS OLD AND OLDER

             THIS PROGRAM OFFERS A FUN DAY OF ACTIVITIES IN A SAFE AND STIMULTING
                 ENVIRONMENT SUPERVISED BY DEDICATED STAFF AND VOLUNTEERS.
   COFFEE SOCIALS                                 MUSIC AND DANCING                             CURRENT EVENTS
   DAILY EXERCISE                                 THERAPUTIC GAMES                              TRIVIA
   ARTS & CRAFTS                                  INTERGENERATIONAL EVENTS                      SUPER BINGO
   NUTRITIOUS LUNCH                               EDUCATIONAL PROGRAMS                          WALKING GROUP
   CARD GAMES                                     SING-A-LONGS                                  SPECIAL EVENTS

    CALL THE FAIRHAVEN SUPPORTIVE SOCIAL DAY PROGRAM FOR MORE INFORMATION
         THE SUPPORTIVE DAY PROGRAM IS PARTIALLY FUNDED BY THE MASSACHUSETTS EXECUTIVE OFFICE OF ELDER AFFAIRS AND COASTLINE

                           FAIRHAVEN SUPPORTIVE SOCIAL DAY PROGRAM
                                                         508-993-9455
                                                   FREE DAY COUPON
                    (ONE TIME COMPLIMENTARY USE FOR NEW CLIENTS TO SOCIAL DAY PROGRAM)

             CONTINENTAL BREAKFAST  ACTIVITIES                                              MUSIC AND DANCING
             NUTRITIOUS LUNCH       TRANSPORTATION                                          SPECIAL CELEBRATIONS

                LOCATIONS SERVED: FAIRHAVEN, ACUSHNET, MARION, MATTAPOISETT, NEW BEDFORD,
                                        DARTMOUTH AND ROCHESTER
July 2021                                              Fairhaven COA                                               Page 5

                           FEMA FUNERAL ASSISTANCE BENEFIT PROGRAM
The FEMA COVID-19 Funeral Assistance program allows for funeral assistance for any COVID-19 related
death after January 20, 2020. The program will assist with expenses up to $9,000 per funeral, up to a maxi-
mum of $35,000 if applicants are applying for assistance related to more than one death.
Here are some key points about the program:
• FEMA’s call center can be reached Monday – Friday 9 a.m. to 9 p.m. Eastern Time, toll free at 1-844-
684-6333, and through TTY at 1-800-462-7585. The call center can take calls in multiple languages.
• There is currently no deadline to apply for this benefit.
• To be eligible for FEMA’s funeral assistance benefit, you must meet these conditions:
       -The death must have occurred in the United States, including the U.S. territories, and the District of
        Columbia.
       -The death certificate must indicate the death was attributed to COVID-19.
       -The applicant must be a U.S. citizen, non-citizen national, or qualified alien who incurred funeral
        expenses after January 20, 2020.
       -There is no requirement for the deceased person to have been a U.S. citizen, non-citizen national, or
        qualified alien.
       -The program is open to all who qualify, regardless of their income.

            TRANSPORTATION SERVICES OFFERED BY THE FAIRHAVEN SENIOR CENTER
We all agree that transportation is a very important and much needed service provided by the COA. We are hap-
py to be able to provide curbside transportation to Fairhaven seniors, 60 years old and older, via our COA vans
                                                or by medical transportation volunteers.
                                                IN-TOWN TRANSPORTATION
                                                The Fairhaven COA provides in-town transportation Monday through
                                                Friday from 8:00 am to 12:00. There is a limited number of 10 people
                                                per day so we ask that you call the senior center as soon as you know
                                                when you will be needing a ride. We also ask that you limit your outing
                                                to one place per day. The van will provide transportation to and from
                                                medical appointments in Fairhaven (Southcoast on Mill Rd.), barber
                                                shops/hairdressers, pharmacies, banks, therapy, stores, etc. There is
                                                no charge for this transportation, however, a donation is gratefully ac-
                                                cepted.
                                                VOLUNTEER DRIVER FOR MEDICAL TRANSPORTATION
Volunteers, who have had an appropriate CORI, a valid driver’s license and a reliable vehicle, may be available
to provide local transportation to medical appointments in the Greater New Bedford/Dartmouth area. The driver
uses his/her own vehicle for this service. To book a ride to a medical appointment, please call the Fairhaven
COA as soon as you have your appointment. You will be asked your name, address, phone number, destination
and time of your appointment. COA staff will reach out to the volunteer drivers. If a volunteer driver is available to
provide the transportation, the senior will be notified and the driver will reach out to the senior to arrange a pick
up time. The COA charges no fee for this service, however, there is a suggested donation of $10.00 for in-town
and out-of-town trips given to the driver directly from the senior to assist with the cost of fuel.
NOTE: Drivers will not be asked to provide transportation to those who are non-ambulatory, incontinent, violent
or otherwise medically inappropriate. No transportation can be provided to anyone who is having a procedure
requiring anesthesia.
SPECIAL TRIPS
Every Wednesday, the Fairhaven COA van provides a trip to a mall or casino. Fairhaven seniors are considered
first for special trips, however, a list of out-of-town seniors is kept in the event there are seats available. Reserva-
tions for the Wednesday mall trips must be phoned into the Fairhaven COA after the 15th of the current month
for the following month trips. No food or beverage is allowed on the van.
       Please call the Fairhaven Senior Center at 508-979-4029 with any transportation requests or questions.
  Volunteer drivers are needed. If interested, call the Fairhaven Senior Center at 508-979-4029.
Page 6                                              Fairhaven COA                                          July 2021

                                                                        ~Henry H. Rogers Walking Tour~
                                                                    Tuesday and Thursday mornings, 10:00 a.m.
                     FITNESS                                        beginning of June through end of September.
Chair Yoga - Chair yoga is a general term for practic-              Tours begin outside the Town Hall, 40 Center
es that modify yoga poses so that they can be done                                Street, Fairhaven
while seated in a chair. These modifications make yo-                         WEATHER PERMITTING
ga accessible to all people. Yoga is an excellent way                      Tour size limited to 25 people.
for older adults to loosen and stretch painful muscles,                     Face coverings are optional.
reduce stress, and improve circulation.
It also reduces anxiety, helps lower blood pressure,                   ~Pirates & Privateers Presentation~
protects joints, and builds strength and balance.                       Friday mornings, 10:00 a.m.,
Mon. and Thurs. 10:15-11:15 am $3.00 - Modified yo-                       June through September
ga program in a seated/standing position.                                 WEATHER PERMITTING
Osteoporosis Class - Mon., Wed. and Fri., 8:30-10                       *Wearing masks is optional.
am - $1.00 Simple, safe, bone-boosting exercises              Fort Phoenix, south end of Fort St., Fairhaven, MA
                                                                        Tour begins at fort flagpole.
Walking - Will resume in September
                                                                          ~Fairhaven Farmer’s Market~
                                                              Sundays from June 13 to October 31, 2021, 11:00
         HEALTH AND WELLNESS                                                a.m. to 3:00 p.m.
                                                              151 Alden Road, Fairhaven, MA, next to National
Mobile Dental Hygienist - Call Teresa or Andrea at                                Bleach
508-827-6725. Smile@mobiledentalhygiene.com                   *Everyone must wear a mask and practice social
Foot Care - 2nd Thursday, by appointment - $30.00                              distancing.
Assessment of podiatric health
                                                                      ~Riverside Cemetery Evening Tour~
                                                                        274 Main Street, Fairhaven, MA
                                                                    Wednesday, July 21st, 2021, 6:00 p.m.
                      LEGAL                                   Limit 15 people. *Wearing face coverings optional.
Attorney Suzanne J. Seguin - Free 15-minute con-                           Reservations Required.
sultation. Call the senior center for dates and infor-         Email TourRiverside@gmail.com to reserve your
mation.                                                                        place on the tour.

                                                                            ~Huttleston Marketplace~
                  EDUCATION                                    Saturdays, May 22 through September 18, 2021
                                                                           10 :00 a.m. to 3:00 p.m.
Sewing Circle - Wednesday evenings 5:45 - 7:45 pm
                                                               Fairhaven Visitors Center Lawn/Fairhaven High
MahJongg - Tuesdays,10 am to 2 pm. MahJongg is a                                School Lawn,
rummy-style game that uses MahJongg tiles instead                   141 Main Street, at Route 6, Fairhaven
of playing cards.                                              *Face coverings and masks optional outdoors.
                                                              Masks or face coverings must be worn by unvac-
                                                               cinated persons inside the Visitors Center and
                    SUPPORT                                                       Museum.
Caregivers Support Education Group - Free res-
                                                                            ~Early American Monday~
pite, 1st Wednesday of month from 1-2 pm
                                                                         Monday afternoons, 1:30 to 3:30
Reassurance Program A free service for elders                                  at the Visitors Center
wanting a daily telephone check-in with a responsible                       from June 21 to August 9.
person, ensuring all is well                                 There will be people here in costume talking about
Health Awareness - Thursday, 9 -10 am                          life after the Revolutionary War and demonstrat-
Supportive group for health and fitness awareness                        ing some early American skills.
                                                                *Face coverings and masks optional outdoors.
Southcoast VNA and Hospice Support Groups -                   Masks or face coverings must be worn by unvac-
2nd Thursday of the month: Widow and Widowers                   cinated persons inside the Visitors Center and
Grief Support Group 5:00 - 6:30 - 3rd Thursday of the                                 Museum.
month: General Loss Grief Support 5:00 - 6:30                * Check local and state rules for current updates.
July 2021                                                             Fairhaven COA                                            Page 7

             FAIRHAVEN SENIOR CENTER EVENTS AND ACTIVITIES JULY 2021
                              MONDAY                                                      THURSDAY continued
Board Meeting                 July 12th, 9:00 am                              Reassurance Program   Daily telephone check-in
Bocci                         Bring your Bocci balls                          Outreach Services     Call for an appt.
Chair Yoga                    10:15-11:15 with Bet, $3.00                     Pitch                 12:30-3:00 pm
Medical Transport             Monday-Friday                                   SHINE Rep.            Call for an appointment
Nutrition Program             11:30 am $2 donation                            Transportation        8:00 am
Osteo Class                   8:30 - 10:00 am $1.00                           Walking               Will resume in September
Outreach Services             Call for an appt.
Reassurance Program           Daily telephone check-in                                              FRIDAY
SHINE Rep.                    Call for an appointment                         Bingo                 1:00-3:00 pm
Transportation                8:00 am                                         Bocci                 Bring your Bocci balls
Walking                       Will resume in September                        Medical Transport     Monday-Friday
                                                                              Nutrition Program     11:30 am $2 donation
                             TUESDAY                                          Outreach Services     Call for an appt.
Attorney General    Consumer Mediator by appt. only                           Reassurance Program   Daily telephone check-in
Bocci               Bring your Bocci balls                                    SHINE Rep.            Call for an appointment
Dental Hygienist    Mobile - Call 508-827-6725 for an                         Transportation        8:00 am
                    appointment on August 10                                  Walking               Will resume in September
MahJongg            10 am - 2 pm
Medical Transport   Monday-Friday                                                 FAIRHAVEN SPECIAL TOWN ELECTIONS
Nutrition Program   11:30 am $2 donation
Outreach Services   Call for an appt.                                              Monday, July 26th - 10:00 am to 8:00 pm
Reassurance Program Daily telephone check-in                                                   Polling Locations
SHINE Rep.          Call for an appointment                                   Precinct 1: Town Hall
Transportation      8:00                                                      Precinct 2: Hastings Middle School
Walking             Will resume in September                                  Precinct 3: Hastings Middle School
                                                                              Precinct 4: Fire Station (meeting room)
                             WEDNESDAY                                        Precinct 5: Recreation Center
Bocci                Bring your Bocci balls                                   Precinct 6: Recreation Center
Caregivers Support Education Group with free respite                                          Do you need a ride?
                     July 7th, 1st Wed. 1:00-2:00                              Seniors needing transportation to voting polls,
Legal Services       Call for an appointment                                    call 508-979-4029 at least one day in advance.
LGBT Supper Club July 28th 5-7 pm $3.00
       George Whitaker Fund and Coastline Elderly Nutrition Program
Mall Trip                     9 am-3 pm, $6, Call to reserve seat                    FAIRHAVEN COUNCIL ON AGING
Medical Transport             Monday-Friday                                              SUMMER MUSIC SERIES
Nutrition Program             11:30 am $2 donation
Osteo Class                   8:30-10:00 am $1.00                                              1:00 - 2:00
Outreach Services             Call for an appt.                                            OUTDOORS AT THE
Reassurance Program           Daily telephone check-in                                FAIRHAVEN SENIOR CENTER
Sewing Circle                 Evenings 5:45 to 7:45                               WEDNESDAY, JULY 21ST - JORDAN PAIVA
SHINE Rep.                    Call for an appointment                             WEDNESDAY, AUGUST 18TH - TBA
Transportation                8:00 am                                             WEDNESDAY, SEPTEMBER 15TH - TBA
Walking                       Will resume in September
                                                                                  CHAIRS WILL BE PROVIDED BUT FEEL
                            THURSDAY                                              FREE TO BRING YOUR OWN. LIGHT RE-
Bocci                         Bring your Bocci balls                              FRESHMENTS WILL BE PROVIDED BY THE
Chair Yoga                    10:15 to 11:15 with Bet $3.00                       ATRIA OF FAIRHAVEN.
Foot Care $30                 Second Thursday, July 8th
                              by appointment                                      ***PLEASE CALL THE FAIRHAVEN SENIOR
Grief Support                 2nd Thurs. of month Widow &                         CENTER AT 508-979-4029 TO SIGN UP.
                              Widowers 5-6:30 pm
                              3rd Thurs. General Loss Grief
                              Support 5-6:30 pm
Health Awareness              9:00 -10:00 am - Supportive group
                              for health and fitness awareness
Medical Transport             Monday-Friday
Nutrition Program             11:30 am $2 donation
Page 8                                     Fairhaven COA                                    July 2021

               Your voluntary $2 donation today, provides more meals tomorrow.
                  ~~~~~To schedule lunch call the day before by 10:00 am.~~~~~
 If you would like to enjoy lunch at the Senior Center and do not have a ride, call 508-979-4029.
July 2021                                                       Fairhaven COA                                                   Page 9

                          HAVE YOU CHECKED YOUR BENEFICIARY FORMS LATELY?
By: Brandon C. Walecka, Esq.
Walecka Law, P.C., 774-203-9003, Brandon@WaleckaLaw.com
Have you checked your beneficiary designations for your retirement accounts or life insurance policies recently? If not, you
may find that your designated beneficiary is not who or what you think it should be, especially if you have had a major life
event, such as a divorce, remarriage, or had children or grandchildren since your retirement plan account was established.
Have you changed financial institutions? Rolled over a retirement plan? While many of us believe that updating and re-
viewing our estate planning documents is important, others tend to neglect retirement account and life insurance beneficiary
designations. Typically, your retirement accounts and life insurance, if a beneficiary(ies) is properly named, are not part of
your probate estate and generally are not governed by the provisions of your will, so it is important to keep these assets up to
date. This makes properly naming a beneficiary(ies) incredibly important.
Outdated Beneficiary Designations
I have met with several clients where there has been a divorce, remarriage, or death, but the client has neglected to update his
or her beneficiary designation accordingly. This can result in frustration and shock of loved ones upon the client’s passing.
What happens when a beneficiary predeceases the retirement plan owner or the insured?
When a beneficiary predeceases the retirement plan owner or insured on a life insurance policy, it is important that the bene-
ficiary designation form be updated. How should that deceased beneficiary’s portion be designated? Do you want it to pass
to the beneficiary’s children or to the other named beneficiaries? If you do not update your beneficiary designation form, it
is possible that the asset will need to pass through probate, causing delay and expense to your family. To avoid unintended
outcomes, it is always best to ensure these forms are current.
Should you designate a trust as a beneficiary of a retirement plan or life insurance policy?
I have many clients who have chosen to create on-going trusts for their children or grandchildren. Perhaps the child or
grandchild has a disability, or they fear the child or grandchild could lose their inheritance to creditors, divorce, bankruptcy,
lawsuits or a failed business.
This can be a useful strategy, as designating the right type of trust as your beneficiary could allow you to provide financial
support for your surviving spouse while ensuring that your children and grandchildren are provided for. Choosing the wrong
type of trust or naming the trust incorrectly on your beneficiary designation form could result in disastrous tax consequences.
Be sure to seek competent professional advice before you name your trust as a beneficiary.
Are you unsure what your beneficiary designation forms say? Do not delay, reach out to each financial institution as soon as
possible and ensure that your forms complement your estate plan.
The information contained in this article is not intended to make you an expert on estate planning nor is this article intended
to replace the need for the advice of a professional. Rather, this article is simply intended to provide a basic understanding
of why estate planning is important for everybody and a basic understanding of some of the more common estate planning
tools. This article does not constitute legal advice.

                                                   THE MILLICENT LIBRARY
             Library hours are Monday and Wednesday 9:00 AM to 8:00 PM, Tuesday, Thursday, and
                          Friday 9:00 AM to 6:00 PM, and Saturday 9:00 AM to 3:00 PM.
         If you would like to reserve a time to use a computer you may do so by visiting our booking site
                                          at MillicentLibrary.SimplyBook.Me.
We strongly encourage patrons to wear masks while in the library as children 12 years and younger are not yet
able to be vaccinated. The library is still offering outside pick up of material at specific times during the day. To
request material to pick up please email Millicent@SailsInc.Org or call 508-992-5342.

             FAIRHAVEN FUNERAL HOME
                                                                                                     Contact the
                                                                                                 Management Office
                                               508-994-9471                                      for Additional Info.
                                               117 Main Street,
  FAMILY FUNERAL HOMES                          Fairhaven, MA
                 Pre-arrangement Experts
            www.hathawayfunerals.com
        Ad info. 1-800-477-4574 • Publication Support 1-800-888-4574 • www.lpicommunities.com   Fairhaven COA, Fairhaven, MA 06-5089
Page 10                                                         Fairhaven COA                                                           July 2021

We face unique challenges when it comes to staying safe during the hot days of
summer. These challenges range from health conditions that increase sun sensitivi-
ty to more fragile skin. They can also put an older adult at higher risk for heat-related
illnesses such as sun poisoning and heat stroke.
It’s important that people to take steps to avoid dehydration, especially during the
dog days of July and August.
Here are a few preventive measures that promote healthier hydration.
6 Ways to Prevent Dehydration
1. Maximize fluid intake
Drinking eight to ten glasses of water each day during the summer is important. It’s advice most people know
they should follow, but don’t always do. If the taste of water isn’t appealing to you, foods with a high water con-
tent can help you stay hydrated. Popsicles, melon, apples, pears, pineapple, cucumbers, tomatoes, carrots, and
leafy greens are a few foods to include in your diet all year round.
2. Limit alcohol consumption
Summer is a season for outdoor celebrations. Many of these parties include alcoholic beverages. Unfortunately,
alcohol contributes to dehydration. When outdoors in the summer sun, you should limit alcoholic beverages or
avoid them completely.
3. Avoid caffeinated beverages
Caffeine is a diuretic. This means when you indulge in sodas, iced coffee drinks, and energy drinks, fluids pass
through your system faster. That can contribute to dehydration. Stick to water with lemon or lime slices or other
noncaffeinated beverages.
4. Monitor medication side effects
Some people aren’t aware that medications may increase sun sensitivity. If a medication you or your loved one
takes has that as a potential side effect, it means you are at higher risk for sunburn, hives, rashes, and dehydra-
tion. Review any medications you may be taking to see if sun sensitivity is listed as a side effect and learn more
if it is.
5. Schedule outdoor time wisely
Try to limit the time you spend outdoors. Stick with the coolest times of day, which are generally before 10:00
a.m. or after 4:00 p.m.
6. Wear a hat
While many might not consider themselves hat people, wearing a lightweight hat with a brim at least three inch-
es wide is another hydration safety tip. It shades the face and neck, helping to keep you cooler.
Recognizing the Symptoms of Dehydration
Finally, we suggest familiarizing yourself with the symptoms of dehydration. From confusion to irritability, the
signs aren’t always obvious. Some common signs are: extreme thirst, less frequent urination, dark-colored urine,
fatigue, dizziness, and confusion. Recognizing when you or a loved one is in the early stages of dehydration can
help you get treatment before a more serious health crisis occurs.                                            ©LPi

                                                                COA DISCLAIMER
The Fairhaven COA offers legal, financial, medical, recreational and other services or activities by volunteers or nominal cost practitioners.
Seniors participating in these services or activities do so with the understanding that the Fairhaven COA, the Town of Fairhaven or its em-
ployees do not assume any legal or other responsibility for any advice or services rendered by such volunteers or nominal cost practitioners.

                    Our Lady’s Haven
                    Skilled Nursing & Short Term Rehabilitation

                       509-999-4561
                       508-997-0254
                 71 Center St., Fairhaven, MA 02719

                       www.dhfo.org
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July 2021                                                           Fairhaven COA                                                 Page 11

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   X   M    P   S   S   B   O   B   H   I   S   K   P   C   N   M   A   Q
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   M   J    A   E   G   N   E   W   M   Z   O   O   D   K   K   E   D   B      GLORY
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   L   U    I   K   N   O   I   T   A   R   B   E   L   E   C   K   B   P      INDEPENDENCE
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                                                                                    Contact Karen Fontaine to place an ad today!
                                                                               kfontaine@lpicommunities.com or (800) 477-4574 x6350

                                                                               389 Alden Road • Fairhaven, Massachusetts

                                                                                         • 5 STAR RATED •
                                                                                            (508) 991-8600
                                                                                    Short term Rehab and Long Term Care

                                                                            “We take good Care of Our Neighbors”

       Ad info. 1-800-477-4574 • Publication Support 1-800-888-4574 • www.lpicommunities.com    Fairhaven COA, Fairhaven, MA 06-5089
DR. BRIAN K. BOWCOCK
                               EB                                                                                               Fairhaven Chiropractic Office
                                                                                                                                      • DOT exams
    ELIZABETH BENOIT, LSW                                                                                                             • Spinal Disc Injuries
                                                                                                                                      • Neck Injuries
              MEDICAID CONSULTANT
                                                                                                                                    84 Huttleston Avenue
Specializing in: MassHealth Applications for Nursing Home Care
                     or Frail Elder at Home                                                                                         Fairhaven, MA 02719
               253 Mill Road, Fairhaven, MA 02719                                                                                   BY APPOINTMENT
Tel: (508) 991-3166 • Fax: (508) 990-1460 • mrsbenoit@comcast.net                                                                    (508) 997-3600

                FAIRHAVEN SUPPORTIVE SENIOR SOCIAL DAY PROGRAM
                            FAIRHAVEN COUNCIL ON AGING
                     229 HUTTLESTON AVE., FAIRHAVEN, MA 02719
                                    508-993-9455
                                  MONDAY - FRIDAY
                                  8:30 AM - 3:00 PM
                             TRANSPORTATION PROVIDED
                          SENIORS 60 YEARS OLD AND OLDER

THIS PROGRAM OFFERS A FUN DAY OF ACTIVITIES IN A SAFE AND STIMULTING ENVIRO-
           MENT SUPERVISED BY DEDICATED STAFF AND VOLUNTEERS.
 CALL THE FAIRHAVEN SUPPORTIVE SOCIAL DAY PROGRAM FOR MORE INFORMATION
                                                                                         THIS SPACE IS
     THE SUPPORTIVE DAY PROGRAM IS PARTIALLY FUNDED BY THE MASSACHUSETTS EXECUTIVE OFFICE OF ELDER AFFAIRS AND COASTLINE

                   SENIOR                         LIVING
       ATRIA FAIRHAVEN
Discover Exceptional Senior Living
    391 Alden Rd. • Fairhaven, MA
                508.994.9238
            www.atriafairhaven.net

www.advanceddentalspa.net
                                                  ADVANCED DENTAL SPA
                                         140 Dartmouth St • New Bedford, MA 02740 • 508-717-0554
                                   2nd location: 373 New Boston Rd • Fall River, MA 02720 • 508-567-4544
                                      We take most insurances including: Senior Whole Health, Tufts Senior Care Option, United Healthcare Seniors...

                                                  Services include: DENTURES • PARTIALS
                                                                                 • IMPLANTS
                  Vivianne Khalife-Yazbeck, DDS         CLEAR BRACES • SAME DAY CROWNS    Raed Yazbeck, DDS.

     Ad info. 1-800-477-4574 • Publication Support 1-800-888-4574 • www.lpicommunities.com                        Fairhaven COA, Fairhaven, MA 06-5089
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