William Penn Life, 1995 (30. évfolyam, 1-12. szám)
1995-12-01 / 12. szám
Page 2, William Penn Life, December 1995 William Penn LIFE Official Publication of the William Penn Association Published Monthly Office of Publication: 709 Brighton Road Pittsburgh, PA 15233 Phone: 412/231-2979 Third Class U.S. Postage Paid Pittsburgh, PA Permit No. 2724 Frances A. Furedy Editor-in-chief George S. Charles, Jr. Associate Editor John E. Lovász Managing Editor NATIONAL OFFICERS Frances A. Furedy Acting National President National V.P./Treasurer George S. Charles, Jr. National V.P./Secretary BOARD OF DIRECTORS Michael J. Hrabar Chairman Roger G. Nagy Vice Chairman Elmer A. Furedy Vice Chairman Anthony C. Beke Louis A. Fodor Barbara A. House Michael R. Kara Andrew W. McNelis George F. Mirkovich Michael F. Tomcsak Elmer W. Toth Frank J. Wukovits, Jr. Frank J. Radvany Secretary of the Board AUDITING COMMITTEE Charles J. Furedy Robert A. Ivancso Co-Chairmen Margaret H. Boso Secretary Dennis A. Chobody Joseph Hamari Ernest J. Mozer, Sr. CONSULTANTS Bruce & Bruce Company Actuary Horovitz, Rudoy &. Roteman C.P.A. Rothman Gordon Foreman & Groudine, P.C. General Counsel Dr. Julius Kesseru Medical Director Unsolicited articles, letters, manuscripts, pictures and other material submitted to the WILLIAM PENN LIFE are forwarded at the owner's risk, and the WILLIAM PENN LIFE expressly denies any responsibility for their safekeeping or return. The WILLIAM PENN LIFE reserves the right to edit, revise or reject any article submitted for publication. Postmaster: If undelivered, please send form 3579 to: William Penn Association 709 Brighton Road Pittsburgh, PA 15233 Fraternalists gather in Washington WASHINGTON — Nearly 800 fraternalists and their guests gathered Sept. 20 to 23 in the nation’s capital for the 109th annual meeting of the National Fraternal Congress of America (NFCA). The NFCA is a trade association of nearly 100 fraternal benefit societies, including the William Penn Association, that provide insurance and volunteer opportunities to 10 million members throughout the United States and Canada. Highlights of the convention included:-Thomas E. Sheehan of the Catholic Knights and Ladies of Illinois was elected president of the NFCA.-Mamie Pugel, 86, of Pueblo, Colo., was presented with the Fraternalist of the Year award. A member of WSA Fraternal Life, based in Denver, Ms. Pugel was chosen from among 41 national finalists.-Walter S. Rugland, an actuary from Hartford, Conn., was honored as the nation’s outstanding Holiday reflections By George S. Charles, Jr., Nat’l V.P.'Secretary During this holiday season, let us first be thankful for all our blessings, our health, our happy families and our achievements. Also during this special time of the year, each of us is called upon to recall the many blessings we have received during the year and to make an effort to share our bounty with those less fortunate than ourselves. We are pleased to see that 44 branches will be having family Christmas parties and also that many branches will be distributing holiday baskets, remembering the spirit of caring, sharing and, most importantly, fraternalism. Christmas gives us all the opportunity to think of those we love and how best to express that love than through the many traditions of Christmas. We are certainly proud of the many fraternal efforts offered by our members throughout the year, and we look forward to your continued support and assistance in the new year. We at the William Penn Association have done our very best to fulfill our mission to our membership with honor and prudence. Our faith has always been in you, and, we hope our efforts will grow to greater glory. The whole world awaits Christmas, the birthday of Christ, to give new hope and love and peace to all mankind. May a part of each day for the rest of our lives be devoted to the spirit of Christmas, renewing our Association’s purposes and our concerns for each other, and may our love and friendship never cease to grow. fraternal actuary for 1995. He received the Jacobson-Rugland Award, sponsored by Luther College in Decorah, Iowa. The award is named for Mr. Rugland’s late father, an actuary who eventually became president of the Aid Association for Lutherans. In addition to Mr. Sheehan, officers elected at the gathering included James Opie as vice president and Vera Wilt as secretarytreasurer. Mr. Opie is president of National Mutual Benefit and Ms. Wilt is president of CSA Fraternal Life. Elected directors were Paul D’Emilio of Royal Arcanum, John Kenawell of Catholic Knights of America and David Larson of Lutheran Brotherhood. Convention attendees heard from a number of outstanding speakers. Among them was Jerry Parr, a retired Secret Service agent who was with President Reagan when he was shot. About 50 convention attendees also participated in an offsite work experience at Jubilee Ministries, a charitable organization which serves the housing, medical and other needs of many of Washington’s poorest families.-------Mo ving ?------If you have recently moved or are planning to move, please notify our office so that we can update our records and make sure you keep receiving the William Penn Life. Please print the necessary information below. Name:_________________ ____ Certificate No.:________________________Branch No.: Old Address: New Address: □ I am a William Penn member, but I do not receive the William Penn Life. Please add me to your mailing list at no charge. □ I am receiving more than one copy of the publication each month. Please cancel the extra copies. Send the above information to: John E. Lovász, Managing Editor William Penn Life 709 Brighton Road Pittsburgh, PA 15233 Living arrangements for the elderly By Emil W. Herman, Esq., General Counsel One topic raised for discussion after our past articles on being a landlord or tenant was what other housing arrangements are available, especially for the elderly. This article will attempt to address some of those alternatives. While independent living (a living arrangement where assistance from others is not required for daily activities) is the preferred option for most of us, there are people who desire or are required to seek alternative housing arrangements. If your basic concern is that you not be alone in your home, or if you need assistance in meeting the expenses associated with home ownership, one alternative which will allow you to remain in your home would be to share your home with one or more other people. You may want to share your home with a family member or friend, or you may want to consider taking a "tenant” into your home. The tenant could either pay you a monthly rent for being permitted to live in your home or provide services (housekeeping, yard work, laundry, meal preparation) in exchange for being permitted to live in your home. Sometimes, the "tenant” acts more as a companion for the homeowner and is actually paid a stipend for living in the home and assisting the homeowner, as well as being provided with room and board without charge. The success of this type of arrangement is, in great measure, dependent upon the person with whom you choose to share your home and your ability to give up some of your independence in order to accommodate this person. If you would like to consider this arrangement, but need assistance in finding a person willing to share your home, you may want to check with your family, friends, church or synagogue, or perhaps a local home health agency. You may also want to contact the National Shared Housing Resource Center at (410) 235-4454 for assistance. If you no longer want or are unable to maintain your own home, you may want to consider a retirement community. These types of "facilities” are becoming more prevalent and provide a wide type of housing arrangements. In some, residents can choose from various facilities offering a wide range of assistance, depending upon the resident’s needs. Some have individual apartments with cooking facilities and offer other services which the resident can accept or reject as their moods and needs require. For people with less ability to be independent, the community may offer assisted living facilities, ranging from personal care homes to nursing homes. Of course, these types of facilities can also be found outside a retirement community as an independent facility. In a personal care home, the person generally needs some assistance in his daily life, be it in dressing, taking medication, or eating properly. The person may have his own bedroom/living area or may share it with another. All meals are provided, as well as whatever other non-medical assistance is required to help the person on a daily basis. Medicare does not provide benefits for personal care homes, although some such homes will accept social security and supplemental income benefits in full payment. Some personal care homes, in recent years, have begun catering to people with specific medical problems, for instance, Alzheimer’s or AIDS, where hospitalization is not yet required. In a nursing home, the resident required medical assistance. Some, referred to as "intermediate care facilities,” provide routine assistance for patients who may be incontinent, require feeding assistance, or have a memory problem. Others, referred to as "skilled nursing facilities,” provide more comprehensive services for people who may be bedfast, severely incapacitated, or in need of rehabilitation. Medicare provides limited coverage for skilled nursing facilities (20 days are covered in full, with partial payment for an additional 80 days), but no assistance for intermediate care facilities. Some insurers have begun offering "nursing home insurance” to cover the costs of either or both intermediate care or skilled nursing facilities. If you are interested in any of these alternatives, you or your family should do a thorough investigation of the facility before you choose one._______________________ ____________________________ If you have any topics you would like us to consider for this column, please send them to: Emil W. Herman, Esq., Rothman Gordon, Third Floor, Grant Building, Pittsburgh, PA 15219. Topics will be considered based on space considerations, interest to all readers, and appropriateness for general legal discussions.
