Don’t Get SurpriSeD upon retirement plan DiStributionS Financial column by GreG anDerSon 3

are you at riSk For DanGerouS leG Vein blooD clotS?HealtH column by Dr. terry l. GuelDner, mD, FacS, rpHS 4

FEATURE STORY:

paSSion For runninG 6-7 JoHn ScHultz, 61, oF manitowoc, Formerly coacHeD track anD croSS country at tHe HiGH ScHool anD colleGe leVel. He SaiD He HopeS to be runninG competitiVely into HiS 80s.

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Oral Storytelling Preserves History

Don’t Get Surprised Upon Retirement Plan Distributions 3

Are You At Risk for Dangerous Leg Vein Blood Clots? 4

SAVY SENIOR 5

Things To Do 10

On the Cover: PassiOn fOr running 6-7 John Schultz, 61, of Manitowoc, enjoys a break during a run at Manitowoc’s Silver Creek Park. An avid runner, he formerly coached track and cross country at the high school and college level. He said he hopes to be running competitively into his 80s. Sue Pischke/50 Plus

staff Pat Pankratz, 50 Plus! Editor 920-686-2138 ppankratz@htrnews.com

James Maurer, Advertising Manager 920-684-4433 jmaurer2@manitowoc.gannett.com

50 Plus! is published monthly by the Herald Times Reporter. It also is distributed to select businesses in Manitowoc County.

50plus!

ADRC

JUDY RANK | for 50 Plus!

Options for Independent Living (OIL) invites people with disabilities, family members and interested parties to attend a get-together to discuss issues and barriers to independence and advocacy for change. They meet the third Tuesday of every month (next meeting will be Aug. 16) from 1 to 3 p.m. at the Manitowoc County Job Center, 3733 Dewey St., Manitowoc, in Room 106.

No prior registration is required. Anyone wishing to attend, who because of a disability requires special accommodation, should contact Byia, OIL Grassroots Advocacy coordinator at (920) 490-8270, ext. 108, or email Byia at byiam@ptionsil.org

OIL has an array of amplified and adapted phone equipment that individuals with hearing loss may try out. The staff can also help find funding to purchase the phone and/or adaptive phone equipment, including funding through the Wisconsin Telecommunications Equipment Purchase Program (TEPP). TEPP helps pay for specialized equipment needed in order to use basic telephone service. You may contact OIL for more information at 888-465-1515.

Arthritis Toolkit

The Aging & Disability Resource Center has received a lending library for the Arthritis Self-Help Toolkit from the Wisconsin Arthritis Program. The toolkit includes “The Arthritis Helpbook,” two exercise CDs, a relaxation CD, an illustrated exercise guide and information packets. This is a Standford evidence based program that the Wisconsin Arthritis Program is looking to evaluate. Interested individuals dealing with arthritis may check out the toolkit for a 4- to 6-week time period and respond to a survey that helps to identify what was liked, disliked, and found useful, or not so useful, with the materials.

To request the toolkit, please contact the ADRC at (920) 683-4180.

Medicare Programs

The benefit specialist in the ADRC office will be presenting four separate programs on Medicare Part A to D in August and September. This program is for those who will be receiving Medicare in the near future or are on Medicare and would like a refresher on the different insurance options through Medicare.

The first program will be offered at the Lester Library in Two Rivers on Wednesday, Aug. 17 from 6 to 8 p.m. The program will be offered at the Kiel Library on Wednesday, Aug. 31 from 1:30 to 3:30 p.m. In September, the program will be offered on Thursday, Sept. 8 from 1:30 to 3:30 at the Manitowoc Senior Center. The last program will be offered on Sept. 29 from 6 to 8 pm. at the ADRC office, 4319 Expo Drive.

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‘Get the Meds Out’

The ADRC is involved in the “Get the Meds Out” program through the UW Extension in Milwaukee. Through this program, homebound individuals may dispose of their old, unused drugs, both prescription and over-the-counter, by requesting a mailer from the ADRC. They then place their drugs inside the mailer and mail them off to the program. Mailers may be requested by calling the ADRC at (920) 683-4180.

‘Living Well’ Volunteers

The ADRC is looking for volunteers to be trained to co-facilitate the “Living Well” program. This is a scripted curriculum that works with people who have a chronic condition, to help them understand their capabilities so that they can lead their life to the fullest. This is a four-day training program that will meet from 9 a.m. until 4 p.m. Tuesday, Aug. 9, and Wednesday, Aug. 10, and then the following week on Tuesday, Aug. 16, and Wednesday, Aug. 17.

Upon completion of this program, trainees will be able to co-facilitate this six-week class. The training will be held at the ADRC, which is located at 4319 Expo Drive in Manitowoc. Please contact the ADRC for more information or to register.

‘Stepping On’

Registration is being accepted for a “Stepping On” class that is set to begin Thursday, Sept. 15 at the Two Rivers Senior Center. This seven-week class will be held from 9 a.m. until 11 a.m. A physical therapist will be available at the first two classes to teach balance and strength exercises that can lessen the risk of falling in the home. The program includes guest presentations each week that address issues that increase the risk of falls. These presentations include drugs that can affect balance, how to stay safe while out and about in the community, vision and how it affects balance, and the importance of good shoes. Please contact the ADRC at (920) 683-4180 to register for this program.

Judy Rank is executive director of the Aging and Disability Resource Center of Manitowoc County.

2 . August 2011 . 50 plus!WI-5001349607

Don’t Get Surprised Upon Retirement Plan Distributions

It is bad enough that the government is now planning to monkey around with a new “definition” for the Consumer Price Index (CPI), as that will further affect a lot of retired folks via limiting any Social Security benefit increases, curtailing any widening of the tax brackets, and other offshoot effects.

But imagine this all-too-common surprise: Dad (who has remarried after losing his first wife) has listed his children as beneficiaries on his old job 401k plan. If Dad dies, his new wife — not his children — would inherit all of the plan money even though he had noted their names on the paperwork long ago.

How can this happen? Usually the beneficiary forms rule, but based on recent court cases, the federal ERISA rules can throw a wrench in the works.

Does this setup sound familiar with your situation?

Let us analyze the new issues:

Per a recent court case (Cajun Industries vs. Robert Kidder) a spouse’s right to plan assets is now vested immediately upon marraige.

If no spousal waiver had been obtained for the files, the default beneficiary is the new spouse, no matter who

else may have been named on the documents.

This could happen six days, or six years, or whatever length of time since the remarraige occurs.

Thus if you want to name someone other than your new spouse as a benefiary of an ERISA-regulated plan (like a 401k plan) it is no longer not enough to fill out the beneficiary form.

Thus reviewing all of that fine print buried in your plan booklets and handouts is of supreme importance in today’s ever-changing world. The courts have now made it clear that the new spouse is the rightful benefactor of plan money, unless a spousal waiver was executed and signed!

This segues right into the issue of leaving your old job money in the old job plan, or rolling those same funds into a self-directed IRA rollover account.

What To Do?

IRA accounts, even the rollover style, offer far greater benefits than ERISA plans in many respects, and this is a classic example. A new spouse is not required to be a beneficiary (in most states). Instead the IRA owner can

name whoever is to get whatever share of funds that they please.

However, it is not quite as simple as it sounds to just roll over all the funds to an IRA and throw away the key. Distributions or rollovers from an ERISA plan still require consent of any spouse now in the picture. But once that consent is given and the money sits in a new IRA, the owner can update choices however they please.

So in addition to other differences (creditor protection, exempt assets for a bankruptcy etc), this is a classic example of why all of you in a situation as portrayed above should sit with an expert, review your documents and make sure all will mechanically proceed as planned — before someone is shaking their fist at your grave in the future.

It is your hard-earned money so you need to pipe in on its fate, and control it as planned.

greg anderson is affiliated with ihlenfeld, skatrud & anderson, business tax accountants in Manitowoc. Phone him at (920) 682-6365.

50 plus! . August 2011 . 3

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Are You At Risk for Dangerous Leg Vein Blood Clots?

Many factors are believed to cause vein blood clots which can break off, pass into the heart and lungs and lead to death in nearly 200,000 Americans each year. What causes leg vein blood clots (DVT) and do varicose veins contribute to this condition?

Inherited or genetic factors, prolonged bed rest, stroke, immobility after surgery or injury, hormone use, cancer, advancing age and abnormal blood flow in leg veins all can lead to potentially fatal blood clots.

Varicose and spider veins are often seen as the tip of the iceberg as visible signs of abnormal blood flow due to faulty, one-way check valves inside leg veins. Normally, blood should only flow up out of the legs toward the heart. Reversed blood flow in abnormal veins leads to stagnation and potential clotting. This condition is called venous insufficiency disorder and, unfortunately, nearly half of all women over 50 and a quarter of men have this condition, but many don’t seek help until a blood clot forms.

Clinical exam and a painless, duplex ultrasound leg vein exam are used to diagnose venous insufficiency and blood clots. Treatment of these leg veins disorders may decrease the future clotting risk, normalize leg vein blood flow and lessen many of the troubling symptoms caused by this disorder.

Left untreated, this reversed blood flow and higher vein blood pressure leads to varicose veins, leg pain, achiness, heaviness, restlessness, swelling, reddish-brown skin discoloration and thickening, and eventually may result in open legs sores near the ankle. These are all reasons to seek a thorough evaluation and consider treatment for venous insufficiency and varicose veins.

In the past, treatment often consisted of in-hospital vein stripping with prolonged recovery. Today, with advanced technology and training, treatment can be accomplished in an office-based vein center facility under local anesthesia, with same- or next-day return to work and usual activities. Treatment is often easier

than most people think and covered by most insurance.

Improvement in the degree of leg and ankle swelling, lightening of the skin discoloration, ulcer healing, lessening or disappearance of restless leg syndrome and absence of bulging varicose or unsightly spider veins are all wonderful outcomes of proper treatment.

Most importantly, however, normalizing leg vein blood flow should decrease blood stagnation and lower the pressure in leg veins, lessening the likelihood of blood clot formation, skin ulcer formation and generally help the legs look and feel much better.

Unfortunately, we can’t change the genetic makeup of individuals with venous insufficiency at this time, but we can do other things to help. The financial impact of treating the complications

of venous insufficiency is huge for our health care system, including possible loss of life.

As a result, our Surgeon General voiced a “Call to Action” for physicians and individuals to tackle the vein blood clot and pulmonary embolism problem in this country. Guidelines are now set up in most hospitals to administer prophylactic blood thinner medications and compression stockings to people at risk for blood clots during hospitalization, surgery or injury as mentioned above.

Community-wide DVT risk assessment and varicose vein screenings are set up at Vein Centers like ours to identify those at risk and educate many for treatment options. Diagnosis and treatment are easier than one thinks. Help is available!

Dr. Terry L. gueldner, MD, faCs, rPhs is founder and director of the Wi Vein Center, Manitowoc, and works with Leanna Beaumont, Msn, aPnP in screening, diagnosing and treating venous insufficiency disorder.

4 . August 2011 . 50 plus!

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Dear Savvy Senior:

Can you recommend some good resources that can help me decide when to start my Social Security retirement benefits? I’ll be 62 early next year and want to carefully weigh all my option, but could use some help. Nearing Retirement

Dear Nearing:

Figuring out the best age to start claiming your Social Security retirement benefits is an important financial decision. The difference between a good decision and a poor one could cost you tens of thousands of dollars over your retirement, so doing some homework and weighing your options now is a very smart move.

As you may already know, you can claim Social Security any time from age 62 to 70, but the longer you wait, the larger your monthly check. But there are actually many factors you need to take into account to help you make a good decision, including your current

financial needs, your health and family longevity, whether you plan to work in retirement, whether you have other retirement income sources, and if you’re married, your spouse’s situation.

To help you compare your options and make an informed decision, there are a number of resources and services available depending on how much assistance you need.

SSA Tools

A good place to start is at the Social Security website. Just go to socialsecurity.gov and click on the “Retirement” tab at the top of the page and access their “Plan for Retirement” tools where you can estimate your benefits at different ages and get guidance based on your personal situation.

Or, if you would rather have face-to-face assistance, call 800-772-1213 and schedule an appointment to visit with a claims representative at your nearby Social Security office.

Jim Miller

The Social Security Administration also offers a bevy of free publications (see ssa.gov/pubs) that you can have mailed directly to you. “Retirement Benefits,” “When To Start Receiving Retirement Benefits” and “How Work Affects Your Benefits” are three popular publications for those nearing retirement.

Other Resources

If you need help in addition to what the government offers, some good resources include the “Social Security Claiming Guide” which is published by the Center for Retirement Research at Boston College. This easy-to-read 24-page guide sorts through all the options, spells out how much you can get, and answers frequently asked questions. Go to socialsecurityclaimingguide.info to read it online or to print a copy for free.

Another good publication is “When to Take Social Security Benefits: Questions to Consider” (see whentotakesocialsecurity.info). Offered by the National Academy of Social Insurance, a nonprofit research and educational group, this 16-page booklet uses a question-and-answer format to guide you through the key issues. To get a free hardcopy mailed to you, call 202-452-8097.

You can also get help online at websites like analyzenow.com, which offers a free tool called “Social Security Planner”

that helps singles and couples calculate the best time to take their retirement benefits. And AARP’s new Social Security Benefits Calculator (www.aarp.org/socialsecuritybenefits), which lets you estimate how much you’ll receive in monthly and lifetime benefits, based on your salary and your age when you file. Or, for a $40 annual fee, maximizemysocialsecurity.com provides a comprehensive new tool to help retirees, spouses and survivors make decisions to maximize their benefits.

If, however, you’d like more personalized help, there are financial advisors and investment advisor firms that for a fee can assist you by taking you through the specific claiming strategies. One such firm is Social Security Solutions (socialsecuritysolutions.com, 866-762-7526), which offers three levels of service including their “Premium Plus” plan that runs multiple calculations and comparisons, recommends a best course of action in a detailed report, and gives you a one-on-one session with a Social Security specialist over the phone to discuss the report and ask questions. Fees for their services range between $20 and $125.

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

50 plus! . August 2011 . 5

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6 . August 2011 . 50 plus!

DEB HORN 50 Plus! Correspondent

John Schultz of Manitowoc has a passion for running. He’s been running on and off competitively for over 45 years.

Schultz started out as a sprinter in high school track because Kewaunee High School didn’t offer a cross-country program. He qualified for state in the 400-meter race and also competed at the University of Wisconsin-LaCrosse.

But he really didn’t start running distance until he was in graduate school at UW-La Crosse, when he and two of his graduate assistant buddies would go out for a long run in the middle of the day as their stress reliever. “That’s when I got hooked on distance running,” said Schultz.

The 61-year-old runs about 20-25 miles a week in all kinds of weather. “I’m not a treadmill runner. I’ve been running outside all my life. That’s why you run, to get outside, in the woods, out in the air.”

Family AffairSchultz also does a lot of cross training to get in good shape to compete in the approximate 10 races he participates in each year. He and his wife of 37 years, Janet, do a lot of inline skating, mountain biking and cross-country skiing. “Anything outside, we’ll do it,” he said.

This past winter, he went cross-country skiing 37 times from April through December because of the excellent snow conditions and winter weather.

“Wind is more of a deterrent than the cold temperature (when running in winter). You have to put an extra layer on,” he noted. A runner also has to watch out for ice but that still does not deter Schultz. “You run slower, you run a little more cautious,” he said.

“If your runs are short, you don’t have to worry about frostbite or anything like that, but if you run longer, well then you’re more exposed,” he noted.

Running has been a family affair for the Schultzes. He and his wife and

two daughters, Jessica, 32, and Janelle, 30, participated in the Run Wild at Potawatami State Park almost every year. His daughters have each run the Bellin a few times and still enjoy running. Jessica is training for a half marathon right now and has been e-mailing her dad asking for advice with her training program.

‘Running Is Fun’Schultz coached cross-country and track for 13 years at UW-Eau Claire and 10 years at the high school level in Manitowoc. Running was used as a punishment in some sports with coaches telling their players to “take a lap,” but Schultz always tried to instill in his runners that running is fun. “It’s not all pain and torture. Running is pleasurable,” he said.

“I guess one of the things that I really enjoyed in my coaching aspect was the opportunity to not only run with both of my daughters but also coach both of my daughters at Manitowoc Lincoln,” he noted.

When they were attending college, he would find a race to compete in near them “and they would run with me while they were in college.”

Schultz used to teach Exercise Sciences at several colleges, including classes in biomechanics, kinesiology and exercise physiology. He is now the exercise physiologist at Holy Family Memorial’s Wellness Center. He does fitness assessments to determine members’ strengths and weaknesses and then looks at how to adjust their program to better meet their needs.

Schultz also presents running clinics at the Wellness Center that are open to the public throughout the year.

PASSION FOR RUNNING

WI-5001349633

Manitowoc Man, 61, Hopes To Be Competing In His 80s

John Schultz takes a training run along a wooded trail at manitowoc’s Silver

creek park recently. He is a marathon runner and former cross country coach at

manitowoc’s lincoln High School. Sue pischke/50 plus

continued on pg 7

John schultz stretches his hamstrings during a training run at silver Creek Park in Manitowoc. He competes in several long-distance running events each year. sue Pischke/50 Plus

50 plus! . August 2011 . 7WI-5001349633

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‘Start Gradual’His advice to those just beginning a running program? “You’ve got to start out gradual. That means being patient. You can’t just jump in and run a race right away. You’ve got to build a base before you can fine tune that into a racing mode.”

For a walker who wants to become a

runner, he suggests they start with a short walk, then a short jog, alternating walking and jogging. “When you get short of breath, start walking. Walk a block, jog a block, or walk one minute, then jog one minute. And then gradually increase that,” said Schultz.

Strength training is also beneficial, especially if you have muscle imbalance and want to avoid injury. “If you’re stronger, you’re more stable so you’re less

prone to injury,” he noted.

Schultz said to listen to your body to stay injury-free. “It’s better to take a few days off than it is to try to run through an injury,” he said.

Schultz advises three key workouts per week for someone in a training mode:

Long run day.

Threshold run (higher intensity segments to “push the threshold”).

Speed or strength day.

The other days of the week are recovery days or cross-training

days. “You can do a marathon on that kind of program,” said Schultz.

Shoes ImportantChoosing a good running shoe is also very important, he noted. “That doesn’t mean it has to be a $100 pair of shoes. I’ve never spent $100 on a pair of shoes yet. You’ve just got to find a shoe that’s appropriate to your foot and your running style.” The life of a running shoe is usually six months or 500 miles.

The four races Schultz competes in every year include the Bellin in Green Bay, Al’s Run in Milwaukee, Run Wild at Potawatomi State Park, and Road America Run in Elkhart Lake. The last few years, he’s also done Festival Foods’ Turkey Trot in Manitowoc. And every year, he will try different races that fit into his schedule.

“If I’m going to run a race, I want to compete. I don’t run just for fun. I want to be competitive also,” he said. In the recent Bellin, he took ninth place out of 133 runners in his age bracket with 7-minute, 42-second mile. “When you have a good race, you’re pumped afterward.”

And he notes there really is a “runner’s high,” when “your running becomes relaxed and easy and your running just flows.”

Schultz is not ready to slow down anytime soon.

“I hope to be running in my 80s. I have seen other competitors in their 80s,” said Schultz. “Running is the best antidepressant there is. You can have the worst day and suddenly everything is better.

continued from pg 6

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Mike JarzinPre-planning Specialist

important

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Visit us today and learn moreabout these special services:

• Personal Medication Counseling• Daily Delivery• Prescription Compounding• Online Refills• Bubble Packaging• Automatic Refills with ourSmartFill Program

• One Price Plan–Get a Large Supplyof Your Medication and Save

WI-5001346879

50plus! tHinGS to DoJULY 31MusiC unDer THe sTars: a suMMer serenaDe, Central Park, Two Rivers, Bring your lawn chair and enjoy this free concert by the Lakeshore Wind Ensemble. 7 p.m.

AUG. 2MeTrO sTage COnCerT in THe Park, Washington Park, Bring the whole family for an evening of music. This is National Nite Out, with the Clipper City Chordsmen performing. Free. 6:30 p.m., (920) 686-3580

AUG. 4Marine BanD “Cruiser nigHT” COnCerT & Car sHOW, Washington Park, in case of rain, the concerts will be held at the Senior Center,free. 7 p.m.

MusiC unDer THe sTars, Washington Street, Two Rivers, bring your lawn chairs and the kids for an evening of free music, 7 p.m., (920) 793-5590. Also Aug. 11, 18 and 25

AUG. 5COMMuniTy Care Day, Two Rivers, get a closer look at the groups and organizations that provide health, safety, and service to the community, 9 a.m.-5 p.m., (920) 794-1482

POnTOOn TOur, Stop and Doc Marina, 2510 River St., Two Rivers, Enjoy a relaxing and educational trip down the West Twin River with a Woodland Dunes naturalist, fee charged, Pre-registration required, 10 a.m., (920) 793-4700

Business assOCiaTiOn’s MaxWeLL sTreeT Day siDeWaLk saLe anD Ping POng BaLL DrOP, Two Rivers, visit merchants downtown for great buys 9 a.m.-5 p.m., (920) 794-1482

The Manitowoc Marine Band performs during showtime 2010 at the riverfront by City Hall in Manitowoc. This year’s event will be held aug. 11. HTr file photo

LakesHOre WeekenD, Manitowoc Lakefront, Benefit for Children’s Hospital of Wisconsin, music, games, raffles, pancake breakfast, food booths, and fun children’s activities, (920) 683-0202. Also Aug. 6 and 7.

AUG. 7gLenn MiLLer OrCHesTra, Hamilton Community House, Two Rivers. This orchestra was formed in 1956 by the Glenn Miller Estate, and is the most sought-after big band in the world. 7-9 p.m., (920) 793-5590

AUG. 11sHOWTiMe 2011, Riverfront by Manitowoc City Hall. Annual fun variety show on a river barge. hosted by Tom Drill; music, food and beverages available, free. 5:30-9 p.m. (920) 686-0538. Also Aug. 12

DirTy rOTTen sCOunDreLs, Capitol Civic Centre, Peter quince Performance Company presents this Broadway musical, with music and lyrics by David Yazbek. 7:30 p.m., (920) 683-2184. Also Aug. 12-14.

AUG. 12rOgers sTreeT Days, Rogers Street Fishing Village, A museum fundraiser and community celebration featuring live music, smelt, burgers, brats, beverages, crawfish, kayak parade and games for kids. (920) 793-5905

AUG. 13Hungry fOr HisTOry: HOrse-DraWn Days WiTH Jerry aPPs, Manitowoc Heritage Center, author Jerry Apps pairs lively historic narrative with reminiscences about his boyhood on the family farm in Wisconsin to paint a vivid picture of a bygone time. A catered meal will follow. Fee charged, 5:30 p.m., (920) 684-4445

AUG. 19POnTOOn TOur, Stop and Doc Marina, 2510 River St., Two Rivers, Enjoy a relaxing and educational trip down the West Twin River with a Woodland Dunes naturalist, Pre-registration required, 10 a.m., (920) 793-4700

AUG. 20BuTTerfLy fesTiVaL, Woodland Dunes Nature Center, Learn about butterflies and the plants that attract them. Butterfly and caterpillar displays, monarch tagging, garden talks and butterfly hikes make this is a fun family event, 9 a.m.-noon. Fee charged, (920) 793-4007

AUG. 23-282011 ManiTOWOC COunTy fair, Manitowoc County Expo, Experience being entertained while learning! Ag exhibits, youth exhibits, displays, rides, musical entertainment, and food makes this year’s county fair a don’t miss family event. (920) 683-4378

AUG. 27HMOng Pre-neW year fesTiVaL Of ManiTOWOC/TWO riVers, Silver Creek Park, Manitowoc, Time to gather with family and celebrate Hmong culture through food, song and dance, and sports competition, (920) 684-1228. Also Aug. 28.

Information from www.manitowoc.info/events.html

10 . August 2011 . 50 plus!

Professionally Managed By:Bob Gregurich • 683-3042

• One and two bedroom with full kitchen and appliances• Patios and decks• Coin-operated laundry in all buildings• Off-street blacktop parking with heater plug ins

• Across the street from Village Park• Seniors 62 and over• Handicapped or disabled 18 years of age and over• One block from a grocery store

PARK LANE APARTMENTS • 416 PARK LANE • MISHICOT, WI

Rent based on 30% of income, less medical WI-5001349609

IMMEDIATE OPENINGS • LOW-RENT HOUSINGFOR SENIORS OR • HANDICAPPED, DISABLED

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PARKVIEW APARTMENTS & K-WEST APARTMENTSQuiet country living next to the park in Kellnersville, Wis.

EST APAARTRTMEMENTSPARKVIEW APARTMENTS & K WEE

• Rent based on income • Medical amounts deductibleCall 920-732-3440 today!

ApartmentAvailable!

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1 & 2 bedroom apartments for the elderly • 62 and above or qualified disabled

50 plus! . August 2011 . 11

Professionally Managed By:Bob Gregurich • 683-3042

• One and two bedroom with full kitchen and appliances• Patios and decks• Coin-operated laundry in all buildings• Off-street blacktop parking with heater plug ins

• Across the street from Village Park• Seniors 62 and over• Handicapped or disabled 18 years of age and over• One block from a grocery store

PARK LANE APARTMENTS • 416 PARK LANE • MISHICOT, WI

Rent based on 30% of income, less medical WI-5001349609

IMMEDIATE OPENINGS • LOW-RENT HOUSINGFOR SENIORS OR • HANDICAPPED, DISABLED

WI-5001349618

River’s Bend Premier Facility of Choice for your Short-Term Placement Needs

Our team of dedicated healthcare professionals pride ourselves on our successful number of patients that are ableto return to the Community.

So Far in 2011 we had 110 Short Stay Resident Admissions and we were able to discharge 98 residents back to the Community!� 86Discharged Home

� 12Discharged back to their Assisted Living Facilities/ Group homes

920.684.1144 . 960 S. Rapids Road. Manitowoc,WI 54220 . www. riversbendskillednursing.com

...helping people live better

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PARKVIEW APARTMENTS & K-WEST APARTMENTSQuiet country living next to the park in Kellnersville, Wis.

EST APAARTRTMEMENTSPARKVIEW APARTMENTS & K WEE

• Rent based on income • Medical amounts deductibleCall 920-732-3440 today!

ApartmentAvailable!

R t b d i M di l t d d tibl

1 & 2 bedroom apartments for the elderly • 62 and above or qualified disabled

Call for more information and to plan for a tourDirector of Tenant Services

Call 920-794-6922 | 2500 Garfield St., Two RiversWI-5001349635

Assisted Living with Styleat Northland Lodge

We offer the warm, comfortable feeling ofhome without the added worries. “the old Two Rivers Hospital”

12 . August 2011 . 50 plus!

for comfort of skilled careDesigned for living with beautifully decorated and lovely gardens, Shady Lane offersskilled nursing care for short or long-term care, therapy services, social services andhospice care. Medicare and Medicaid Certified.

for the joys of home without the workFrom two bedroom apartments to single bedrooms with private bathrooms,Laurel Grove offers a variety of assisted living options to meet your needs.Enjoy the gardens, optional activities and care-free living. Starting atjust $1,175 a month including meals!

for planning to get better . . .Recovering after an illness, joint replacement or surgery is a team effort. In fact,it could be called "Team You"! We offer physical, occupational and speech therapy,respiratory services, pain management and neurological, orthopedic and cardiacrehabilitation. Medicare and Medicaid Certified and some private insurances.In-patient or Out-patient Services.

Find out why people...

Think ofUsFirst

Manitowoc’s only not-for-profit citizen directed care facility.1235 South 24th Street • Manitowoc,WI • www.shadylaneinc.com • 920-682-8254

CommunityDedication -This year, as Shady Lane, Inc. celebrates sixty yearsof quality care, we reflect on the dedication of ourboard, our staff, our donors, our residents and ourcommunity – all those we have served through

quality, affordable care.

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