SPRING GENERAL MEETING
Thursday, April 15, 2010

Honeywell International Auditorium, Morristown, New Jersey

70 Honeywell retirees heard a presentation by two speakers: Lloyd Wilky and Linda Kubit.

Lloyd Wilky spoke first on the topic: "Living a Life You Love, Independent, Free, Secure". The talk focused on issues of growing older and strategies that we can adopt in order to age gracefully and maintain lifelong independence.

The following is Lloyd's presentation.

“Living the Life You Love. . .”

  1. Are you aware of aging for yourself and others?
  2. Go for a longtime without awareness of aging for yourself and others?
  3. Aware off and on of aging for yourself and others?

You heard my introduction but can I share a little more. My background is in human resources and I joined this company because people need knowledge and services to stay at home as they age. We started ALC (Ageless Lifestyle Concierge) so that we could help people start early and stay ahead and in control as they age in order to enjoy the life they want to live. We know what aging looks like if you don’t prepare, so we want to help people avoid the threat of breakdowns and the cycle of decline.

"Today's Session"

“America is Aging
News Flash – America is aging and so are we all.
By 2030 the population over the age of 65 will double, representing nearly 20 percent of the total U.S. population. (12% in 2003)
That is good news because it means living longer:
A December ‘09 study from the healthcare policy journal Milbank Quarterly, predicts an average American lifespan of 86 yrs. for a man and 93 yrs. for a woman by 2050 – more than a decade longer than now – and a grand total of up to 108 million seniors.
Given that we may be around longer, let’s think of this as a journey, a journey to where…

“Road to Lifelong Independence”
Lifelong Independence

“How many are committed to Lifelong Independence?”
Picture yourself at age 80, 85. What do you look like? Where are you living? Why do you get up in the morning? What are you doing all day? Who are your friends?
Take 2 minutes to share your vision with your neighbor.
Ask if anyone wrote down that they will be living in a CCRC, AL or a nursing home?
Write down what you are doing now to make that vision that you just described a reality, Ask people to call out some of the things they are doing write them on a flip chart, that is titled:
Things to do now to take control of your future

“Doing nothing will not work”

What we usually see, is, a few think they are doing ok, many are inconsistent with healthy behaviors and lots don’t even want to think about it.

Well what we know is, you have to know what to do, do it with some consistency, because doing nothing will not work.

Eubie Blake, the great ragtime composer and pianist who was still performing at the age of 99, the year before his death, said,

"If I'd known I was going to live this long, I'd have taken better care of myself."

If you're 40 or 50 or even 60, you might not give much thought to the health challenges of aging. But just as planning for future financial needs is important, so is planning for optimum health.

“Meet my dad, Lloyd”

I’d like your permission to tell a story about Lloyd? He was my Dad. Is that ok?

He too thought he was doing ok, he was pretty active, 2 kids, 5 grandkids, a deacon in his church for 20 years, he loved to fish and hunt in the White Mountains of Arizona, he was a Metallurgist for Garrett Engines for 35 years, a Honeywell Retiree.

At 70, after my Mom passed away, things really started to decline. At 75, he had open heart surgery and my brother and I felt he needed assisted living. He was in strong denial of his decline. Even though it was a nice place with people who cared and new friends, it was still about decline.

In 2007 he fell and broke his hip. We experienced the challenge of working to get him out of rehab. Then Pneumonia and he contacted CDIF at the hospital. He couldn’t go back to Assisted Living so he was back to rehab. The only way he got out was our agreement to 24/7 caregiver. He lasted 6 months as died from the effects of the CDIF.

So the moral of this story is that most of us are a little unconscious about this road ahead, we are inconsistent in our healthy behaviors, the system is about decline not health, and like my father, a little bit in denial.

We need to prepare and consciously develop and follow a plan. Assisted Living and a Nursing Home aren’t inevitable.

“Back to our journey”

Let’s set out on that journey.

“Are we prepared?”

How should we prepare?

There is so much information out there about what to do and what not to do. Unfortunately most people just bumble along, until something happens and then they are interested in doing something.

How many of you know someone, who after their heart attack became religious about diet, exercise and in fact you see them taking their long walk every day, rain or shine?

That’s good, but a little late.

Here are the areas you should be addressing:

Home – is your home set up for you to age in place, safely and comfortable?

Body – are you aware of any medical conditions that you have, are you taking the right medications, are you sleeping, if you have pain, is it under control, are you up to date on screenings and immunizations?

Mind – how is your memory, are you controlling stress in your life?

Connection – do you have a support system in place, how are your relationships, do you get out to do things, if something happened to you, do you have someone to call?

People who are without social connections are 3x as likely to die of all causes and 60% more likely to develop dementia than those with lots contacts.

Records – Are your legal affairs in order? How about finances?

Will you have the financial resources required to live the way you want in retirement?

Remember, the financial resources will have to last longer because we will most likely live longer, perhaps well into your nineties when you look ahead at 65.

What does it mean? Most baby boomers won’t be able to afford good housing, good food and a

“Which way should we go?”

In order to chart out the best route, we looked to scientific evidence, found in various studies:

A New Vision of Aging - Center for the Advancement of Health, Washington, DC

DARE to Be 100 - Dr. Bortz

Younger Next Year - Henry Lodge, MD, and Chris Crowley

US National Aging Institute - Formula to live up to a decade longer

CDC – Healthy Aging Preventing Disease & Improving Quality of Life

They all came up with a number of ingredients for healthy aging.

(Go to the flip chart where you recorded things people in the audience were doing to stay healthy.)
(Circle ones that match with the following list and add those that are not there.)

  1. Purpose / Plan / Goals
  2. Exercise
  3. Nutrition
  4. No smoking
  5. Stress management
  6. Stay connected
  7. Brain wellness
  8. Medication management
  9. Healthcare advocacy
  10. Care about someone

(Then circle the following 3: Moderate exercise, Good nutrition, no smoking)

There are studies agreed on these 3 strategies.

All of which will delay disability by 10 years. What’s wrong with this statement? (Pick on someone to answer)

Delay disability, how about preventing it?

How many of you are taking the actions we’ve been talking about? You’re confident about the future.

How many of you can’t name one item you’re acting with from the list we discussed?

How many are somewhere in between the two? Mark your sheet with some areas you like to explore further.

“What should you pack?”

So what do you need to take with you along this journey?

There are many things, but since we know from all of the studies that without question, exercise, for both the body (your mobility) and your mind, is key for healthy, vibrant aging, I want to spend a few minutes talking more about them.

“The Body”

Let’s start with the body

As we grow older we want to stay strong, agile, flexible and have good balance. We especially want to avoid suffering a fall.

How many in this room have fallen or know of someone who has? Tell us what happened?

1:3 people over 65 fall each year, 30% of elderly falls result in serious hip or head injury, Of those injured, 40% will be admitted to a long term care facility, never to return home again 25% of them die within the year

With baby boomers eventually swelling the older adult population and an overall increased life expectancy, money spent on fall related injuries may reach over $32 billion by 2020 (American Geriatrics Society et al., 2001).

When we think about exercise for the body, we need to address:

Aerobic, Strength training, Balance, and Flexibility

Let’s see a show of hands of all those who regularly exercise?

(If everybody in the room exercises, congratulate them and then tell them you will move quickly through the next slides to reinforce for them the good that they are doing for themselves.)

Unfortunately, According to the US Administration on Aging

Only 32% of adults 65 and older follow a regular plan of exercise.

Why don’t people exercise?

(Write their answers on a flip chart.)

Some people think, as they get older, there are some exercises they can no longer do, like weight lifting…

“Never too old”

I’d like you to meet Helen, she is an avid weight lifter - She is 93 in this photo – dead lifting 85 pounds!

“Muscle loss: Sarcopenia”

Let’s start with muscles:

Starting in your 40’s, you lose a quarter of a pound of muscle each year unless you are strength training regularly.

5 lbs / decade muscle loss

15 lbs / decade fat gain

“Sarcopenia”

“On the left is a picture of an active 23-year-old female. The view shown is a cross-section of the thigh. The dark grey is fat, the light grey is muscle, and the white ring is bone. Her muscle makes up approx. 90% of the thigh.

On the right we have a picture of a sedentary 68-year-old woman. Again the view of the thigh, but in this picture her muscle makes up only 50-60% of her thigh. This is called sarcopenia, which is defined as the age-related loss of muscle.

How can this avoided…..or corrected?

Strength training is a powerful antidote to combat this loss. It will allow one to build back or at least maintain muscle mass, in turn reducing sarcopenia and helping people stay strong and fit as they age.

“Mr. Turner”

This is Mr. Turner, age 67. He is an avid strength trainer – with an amazing body!

Here is Mr. Turner 12 years later, at age 79.

He has kept much of his muscle mass through strength training and healthful eating habits.

“Strong Healthy Bone”

Now bones:

This slide represents what a bone looks like with normal mineral and connective tissue.

This is the healthy bone tissue of a 73-year old woman. Note the well formed trabeculi—the spongy structure of the bone.

“Guidelines ”

The American College of Sports Medicine and the American Heart Association recently released exercise guidelines for people over 65.

Let’s see how this group is doing.

(Read each guideline, and before reading the next, ask for a show of hands of those who are following that guideline.)

“The Mind ”

Now that we talked about your body, let’s look at the mind.

Alzheimer’s Disease and dementia- Risk begins at age 65, 50% chance at age 85

Every 72 seconds someone is diagnosed with AD

6th leading cause of death across all ages, 5th leading cause of death for those 65 and older

“Brain Fitness Strategies”

What are you doing to exercise your mind?

(Let people, call out answers.)

Evidence suggests that the health of the brain— one of the body’s most highly vascular organs— is closely linked to the overall health of the heart and blood vessels.

Management of cardiovascular risk factors, such as high cholesterol, Type 2 diabetes, high blood pressure and overweight, may help avoid or delay cognitive decline.

Additional evidence points to a significant role for:

Exercise - Improves your Attention, Increase Metabolism and Manage Weight
Nutrition - Nutrients that Feed Your Brain Circuits, such as, low-fat diet rich in fruits and vegetables
Sleep - Optimal Sleep to Boost Mood and Memory
Stress Management – Reduce Stress and Improve Mood, promote positive thinking With the addition of:
Neuroplasticity - Our brains are also much more plastic than we ever knew, waiting for us to offer up new challenges, so that new dendrites can grow, new synapses can grow, and if there are Alzheimer’s plaques, the brain can go around them, keeping one functional for a good long time.

A great way to encourage neuroplasticity, a key component in brain wellness, is with novel challenge, like learning a new language, learning how to play an instrument or brain wellness workouts.
People who consistently participate in mentally stimulating leisure activities had a 63% reduced risk of dementia

“Who will be your guide?”

Studies show that health behavior change is more successful if done within a system that includes, information, challenge, support, accountability and reward.

“You need answers and a plan”

We help you understand your overall health and wellness through a yearly assessment which produces metrics (explain them a bit). This will give you a baseline and allow you to track your progress to know if what you are doing is producing the results that you want. Knowledge is power. It just makes sense to be proactive and put yourself through some kind of assessment in order to know whether you are on the right track or if there are areas that you need to work on to improve.

It’s crazy for a fall or accident to be the sign that tells you that you need to make a change. We help you be proactive and formulate a plan.

“Myth or fact?”

Health inevitable declines as we grow older?”

(Ask for a show of hands…) Myth? Fact? “And the answer is…”

“Fact?”

The answer is MYTH, “The FACT is, people of any age can improve their health by adopting healthy behaviors.”

I hope I left you today, believing that it is never too late, and that starting now is the best time.

Let Extended Family be your helper. Call us at 973.983.9355 or email at lwilky@extendedfamily. net. Our website is ExtendedFamily.net

Linda Kubit spoke next:

Long Term Care:
A National Challenge, A Personal Decision

Seminar Objectives

What is Long Term Care?

Where is Long Term Care Received?

What Does Long Term Care Cost?

Will You Need Long Term Care?
About 70 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime. Over 40 percent will need care in a nursing home for some period of time. Factors that increase your risk of needing long-term care include:

Won’t Medicare Pay for My Long Term Care?

Funding Sources for Long Term Care

“I’ve heard MEDICAID will pay for my long term care.”

…MEDICAID, continued

How Do Long Term Care Insurance Policies Work?

Daily Benefit
(sometimes monthly benefit)

Benefit Period

Waiting Period or Elimination Period

Inflation Protection How Do I Collect?

How to Choose a Good Policy

How Do People Pay for Long Term Care Insurance?

Ways to Save Money on Long Term Care Insurance

Other Questions

What Does this Insurance Cost?

Long Term Care Action Plan
Step 1: Set a Deadline
Step 2: Do your Research
Step 3: Assess your Financial Situation
Step 4: Assess your Health Situation
Step 5: Meet with an Advisor
Step 6: Implement!

Step 3:
Assess your Financial Situation

Medical Questions

Long Term Care Action Plan
Step 1: Set a Deadline
Step 2: Do your Research
Step 3: Assess your Financial Situation
Step 4: Assess your Health Situation
Step 5: Meet with an Advisor
Step 6: Implement!

Who Will Take Care of Us?

Spouse Caregiver
“For a person with Alzheimer’s the typical primary family caregiver is in her 70s and has two chronic health problems. The stress of caregiving affects health – a third of these family caregivers will die before the person they care for.”
Alzheimer’s Association

Child Caregiver
In over 70% of married couples with children, both work.

2010 Long Term Care Planning Choices


Lloyd Wilky Bio

Lloyd Wilky is the NJ Leader for Extended Family and a Honeywell Retiree. Extended Family started in Portsmouth, NH in 2004. The company mission is to help older adults age on their own terms by offering premium services that promote independence, good health and engagement in life.

As Vice President for Global Business Services at Honeywell, Lloyd delivered a broad range of finance, HR, and IT infrastructure services to employees and retirees. He was responsbile for the administering the health plans, pension programs, 401K, and learning programs. At Allied Signal, Lloyd he was instrumental in launching a comprehensive employee assistance program called “Help When Life Happens”. These experiences help him creatively respond to the needs of seniors in a rapidly changing world.

Lloyd has also lived with the personal challenge of trying to help his aging parents age on their terms. He was fortunate to find good support for his father, but he knows first-hand how much work it takes for a family to care for a loved one who lives far away. He is passionate about helping older adults and their families build solid plans, and supporting them to produce superior results.

He holds a Bachelor’s Degree in Business Administration with an Accounting Specialization from Arizona State University. He is a graduate of The Business Professional’s Course of The Aji Network and continues in their Leadership, Entrepreneurship, Innovation and Power program.

Lloyd is a member of the Advisory Board of the United Way of Morris County NJ, the Morris County Chamber of Commerce and the Institute of Certified Management Accountants.

Linda Kubit Bio

Linda Kubit, CLTC
Long Term Care Insurance Specialist

Linda Kubit has dedicated her professional life to becoming an expert in the field of Long Term Care Insurance. She has access to highly rated Insurance carriers, which allow her to independently advise clients as to which policy best meets their needs.

She has over 20 years experience and has attained the two leading designations in Long Term Care Insurance, the CLTC (Certified in Long Term Care) and the LTCP (Long Term Care Professional). Linda is actively involved in local organizations and speaks frequently on the subject of extended care. She served three years as the President of the New Jersey Chapter of Women in Financial Services and was also on the New Jersey Insurance Commissioners Advisory Board.

She attended SUNY Binghamton and recieved a Bachelor's degree in Economics and Spanish. Linda lives in Monmouth County with her husband and their two daughters.


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Your Spring 2010 General Meeting Committee


Updated 5/3/2010,
Developed 3/8/2010