AMERICANS WITH DISABILITIES SECTION
Information for specific States/Commonwealths/D.C/Puerto Rico are on their specific pages.
PLEASE READ THIS BEFORE YOU CONTACT US:
DISCLAIMER
Homeless To Independence Inc. is a 501©3 non-profit organization. We are self supporting and we do NOT receive any government grant funding what-so-ever to pay bills for anyone in any situation. We do not give away money. We do not give out loans against any money.
This ministry is supported with generous financial donations that are used to help keep us functioning. Our purpose is to help supply individuals and families with personal needs such as food, toiletries, clothing, household items and baby/adult diapers/wipes both locally and to areas affected by disasters . At this time, we do not offer any shelter or transitional housing services. Again, we DO NOT pay any bills. We DO NOT pay any rents or mortgages.
If you are actually homeless, or about to be homeless or need emergency assistance of any kind, DIAL “211” from a land-line telephone. This will not work from a cell telephone. Tell the receiver your situation and what you need. They will give you information specific for the location you are currently in plus any referrals you may need. They have the most up to the minute information for your specific area. Dialing “211” will get you help and much more info than this office can provide. Homeless to Independence wants you to have all the information you need to get through the situation you are in.
Don’t have a land-line telephone??? Go to your local police department, library, or house of worship and ask to use their land-line telephone. They may even make the call on your behalf.
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For those of you looking for employment through-out the United States, District of Columbia or Puerto Rico, simply;
2. CHOOSE YOUR STATE/COMMONWEALTH/TERRITORY;
3. CHOOSE THAT STATE/COMMONWEALTH/TERRITORY’S EMPLOYMENT PAGE.
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Homeless To Independence Inc. is not responsible for misprints or cancellations of events by the event holders, landlord and/or their agent, or ourselves. Homeless to Independence Inc. also reserves the right to “NOT” offer services to people and/or persons that are rude, unpleasant, and untruthful in any way shape or form, belligerent and the like.
OCCASIONALLY, THERE WILL BE ARTICLES BY OTHER WRITERS. HOMELESS TO INDEPENDENCE MAY NOT NECESSARILY AGREE WITH THEIR VIEWPOINTS, BUT WE DO RESPECT THEM. THANK YOU FOR YOUR COOPERATION!
OFFICE CONTACT INFO:
HOMELESS TO INDEPENDENCE INC., 201 STATION ROAD #258, QUAKERTOWN, PA 18951
THE VERY BEST WAY TO CONTACT ME IS TO SEND ME AN EMAIL: ANN@HOMELESSTOINDEPENDENCE.ORG
OFFICE NUMBER IS: 1-908-454-1500 LISTEN TO THE RECORDING
Please note that our office does have very limited volunteer staff and if we are one telephone line we cannot answer the other line. There is simply not enough time in the day to answer and/or return each and every telephone call.
THANK YOU!!!
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Protect Yourself: How to Spot Medicare Fraud and Scams
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| What to watch for and what to do if something feels off |
| With the Annual Enrollment Period about to begin, scammers know Medicare beneficiaries are paying close attention to their mail, phone, and email. Unfortunately, that also makes this one of the busiest seasons for fraud. A little awareness goes a long way toward keeping your personal information and your money safe. |
| Did you know? Medicare will never call, email, or text you out of the blue to ask for your Medicare number, Social Security number, or banking information. If someone contacts you claiming to be from Medicare and asks for this, it’s a scam. |
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Common Scams to Watch For
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- Fake “plan review” calls. Someone claims to be reviewing your Medicare benefits and asks you to confirm your Medicare number to “update your file.”
- Free gift or giveaway scams. You’re offered a free brace, genetic test kit, or gift card in exchange for your Medicare number.
- Fake AEP deadlines. A caller pressures you to enroll “right now” or you’ll “lose coverage,” creating false urgency.
- Imposter agents. Someone claims to represent Medicare directly (Medicare itself never sells insurance) or falsely claims to represent a specific plan.
- Door-to-door or unsolicited visits. Agents are not permitted to show up at your home uninvited to sell Medicare plans.
- Phishing emails and texts. Messages with links asking you to “verify” your Medicare information.
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Five Ways to Protect Yourself
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- Guard your Medicare number like a credit card. Only share it with your doctor, pharmacist, or a licensed agent you trust and contacted yourself.
- Hang up on unsolicited calls. If you didn’t request the call, it’s okay to simply hang up, you don’t owe anyone an explanation.
- Never feel rushed. Legitimate agents will never pressure you to make an immediate decision. Real deadlines allow time to think it over.
- Verify independently. If someone claims to be from Medicare or a plan you have, hang up and call the number on your Medicare card or plan documents directly.
- Check your Medicare Summary Notices. Review them for services or equipment you didn’t receive, and report anything unfamiliar.
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If You Suspect a Scam
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- Report it to the Medicare Fraud Hotline at 1-800-MEDICARE (1-800-633-4227)
- Contact your State Health Insurance Assistance Program (SHIP) for free, unbiased help
- If money or personal information was shared, contact your bank and consider a credit freeze
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We’re Always a Trusted Call Away
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| As your independent, local Medicare agency, we’re always happy to double-check anything that seems off, even if it’s not something we sent. If you ever get a call, letter, or offer that makes you pause, call us first. We’d rather field ten “just checking” calls than have you fall for one scam. |
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| Click for more information. Contact us with any questions or to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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October is National Disability Employment Awareness Month
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This year’s theme is “Celebrating Value and Talent” in recognition of the skills and contributions people with disabilities add to workplaces, communities, and economy. Check out the Office of Disability Employment Policy’s website to learn how your workplace can celebrate NDEAM and download free resources!
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Octubre es el Mes Nacional de Concientización sobre el Empleo de las Personas con Discapacidad
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September 30, 2026 eBlast
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Free Webinar | October 15 | 3-4 p.m. ET
Join the Pacific ADA Center for their third 2026 Lunch and Learn Webinar of the year! Find out how to stay safe in an emergency. This webinar will show simple steps for making a personal emergency plan, including helpful tools and resources you can use. You’ll learn how to be ready for different situation.
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Seminario gratuito en línea | 15 de octubre | 3-4 p.m. ET
¡Acompañe al Centro de la ADA del Pacífico en su tercer seminario gratuito en línea Lunch and Learn 2026! Descubra cómo mantenerse seguro durante una emergencia. Este seminario gratuito en línea presentará pasos sencillos para elaborar un plan personal de emergencia, incluidas herramientas y recursos útiles que puede utilizar. Aprenderá cómo estar preparado para diferentes situaciones.
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Fall Into Safety
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| As the leaves change and the days get shorter, it’s a good moment to think about staying steady on your feet. Falls can change a person’s independence quickly, but they are not an unavoidable part of getting older. Here are practical, everyday steps you can take, starting today. |
| Did you know? About 1 in 4 adults age 65 and older falls each year, according to the CDC. Falls are also the leading cause of injury for older adults. The good news: most falls are preventable, and a few small changes can make a big difference. |
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Make Your Home Safer
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| Most falls happen at home, often in places we know best. A quick walk-through can spot trouble before it happens: |
- Light it up. Add nightlights in the bedroom, hallway, and bathroom so the path is clear after dark. Fall’s earlier sunsets make this especially helpful.
- Clear the floor. Remove clutter and loose cords, and either take up throw rugs or secure them with non-slip backing.
- Add support. Grab bars in the tub, shower, and beside the toilet are worth the small investment. Handrails should run along both sides of any stairway.
- Watch the outdoors. Wet autumn leaves are slippery. Keep porch steps and walkways swept, and make sure your entryway is well lit.
- Keep favorites within reach. Store everyday items between waist and shoulder height so you never need a step stool.
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Keep Your Body Strong and Steady
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- Move a little every day. Walking, water exercise, and gentle strength and balance routines all help. Tai chi is a popular, low-impact option that many seniors enjoy.
- Check your medications. Some prescriptions and combinations can cause dizziness or drowsiness. Ask your doctor or pharmacist to review them at least once a year.
- See your eye doctor. Even small changes in vision can affect balance and depth perception.
- Choose the right shoes. Wear snug, supportive shoes with non-slip soles. Try to avoid walking in socks or loose slippers.
- Rise slowly. Sit for a moment before standing up to let your blood pressure adjust, especially first thing in the morning.
- Speak up. If you have stumbled or felt unsteady, tell your doctor, even if you weren’t hurt. It’s one of the best ways to head off a bigger fall.
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How Medicare May Help
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| Many people are surprised by how much support their coverage can offer. Here are a few things worth asking about: |
- Annual Wellness Visit. If you have Medicare Part B, this yearly checkup is typically covered at no cost and is a great time to talk with your doctor about balance and fall risk.
- Physical therapy. When your doctor says it is medically necessary, Part B can help cover therapy to improve strength, balance, and walking.
- Walkers, canes, and more. Medicare may cover certain equipment with a doctor’s order when it is obtained from a supplier that accepts Medicare.
- Medicare Advantage extras. Many Medicare Advantage plans include fitness memberships, and some offer in-home support or other wellness benefits. These vary by plan and county, so it pays to compare.
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| Fall prevention doesn’t have to be complicated. Pick one or two ideas from this newsletter, put them into practice, and build from there. Your future self will thank you. |
Have Questions? We’re Here to Help.
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| Fall is a great time to review your Medicare coverage. The Annual Enrollment Period runs October 15 through December 7, and we’re happy to look at what your current plan offers for staying active and safe at home. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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What’s Your Maximum Out-of-Pocket?
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| The one number on your plan that tells you the most and the one most people never look up. When seniors review their Medicare coverage, the first thing they usually want to talk about is the monthly premium. That’s understandable, it’s the number you see every month. But there’s another number on your plan that matters just as much, and sometimes a good deal more. |
| It’s called your maximum out-of-pocket, or MOOP for short. Think of it as the ceiling on what you could spend in a year for covered medical care. Once you hit that number, your plan picks up 100% of your covered costs for the rest of the calendar year. It’s the answer to the question nobody likes to ask out loud: “If I had a really bad health year, what’s the worst this could cost me?” |
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Why this number exists
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| Every Medicare Advantage plan is required to include an annual out-of-pocket limit for covered Part A and Part B services. It’s a built-in financial guardrail, and it resets each January. |
| Original Medicare on its own does not have one. That surprises a lot of people. With Part A and Part B alone, there is no cap. The 20% coinsurance keeps going as long as the bills keep coming. That’s a big part of why so many people carry either a Medicare Supplement policy or a Medicare Advantage plan rather than going without additional coverage. |
Where to find your number
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| You don’t have to guess. Your maximum out-of-pocket is printed in two documents your plan sends you: |
- Your Annual Notice of Change (ANOC), which arrives each fall and shows next year’s figure
- Your Evidence of Coverage (EOC), the longer booklet that spells out your benefits in detail
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| If you have a PPO, look carefully, you’ll actually see two numbers. One applies when you stay in network, and a higher combined limit applies when you use a mix of in-network and out-of-network providers. HMO plans typically list just the one in-network figure. |
| For 2026, Medicare Advantage plans may not set an in-network limit above $9,250, or a combined in- and out-of-network limit above $13,900. For 2027, those ceilings rise to $9,850 in-network and $14,800 combined. These are the highest amounts allowed, not what most plans actually charge. Many plans set their limits well below the ceiling, and the average in-network limit across Medicare Advantage enrollees in 2026 was closer to $5,400. Your plan’s own figure is the one that counts. |
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What counts toward it and what doesn’t
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| This is where people get confused. Your medical maximum out-of-pocket applies to your cost sharing for covered Part A and Part B services: your deductibles, copays, and coinsurance for things like hospital stays, doctor visits, lab work, and outpatient procedures. |
| It generally does not include: |
- Your monthly plan premium, or your Part B premium
- Prescription drug costs. Those fall under a separate annual cap ($2,100 in 2026, rising to $2,400 in 2027)
- Most extra benefits like routine dental, vision, and hearing
- Services your plan doesn’t cover at all
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| So it’s possible to reach your medical limit and still have drug costs running, or the other way around. They’re two separate items. |
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A good way to think about it
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| A plan with a low premium and a high out-of-pocket limit asks you to pay less every month but leaves more exposure if something serious happens. A plan with a higher premium and a lower limit does the opposite. Neither one is automatically better, it depends on your health, your doctors, your prescriptions, and how much financial situation. That’s a personal call, and it’s worth making it on purpose rather than by default. |
Let’s look at your number together
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| If you’re not sure what your maximum out-of-pocket is, or whether the plan you have still lines up with what you need, we’re glad to sit down and go through it with you. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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09-15-26
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What Is a Star Rating, and Why Should You Care?
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| If you’ve compared Medicare Advantage or Part D plans, you’ve probably noticed a row of stars next to each one. That’s a plan’s Star Rating. It’s one of the most useful, most overlooked tools available to you as you evaluate your options. |
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What Star Ratings Actually Measure
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| Each year, the Centers for Medicare & Medicaid Services (CMS) evaluates Medicare Advantage and Part D plans on a scale of 1 to 5 stars, with 5 being the highest. Ratings are based on a range of factors, including: |
- Member satisfaction and experience — how members rate their plan overall
- Quality of care — things like preventive screenings, chronic condition management, and health outcomes
- Customer service — how well the plan handles calls, appeals, and complaints
- Drug safety and pricing accuracy — for plans with prescription drug coverage
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| A 5-star rating means a plan is performing at a very high level. A 3-star rating is considered average. Anything below 3 stars may signal recurring issues worth paying attention to. |
Why It’s Worth Checking
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| 1. It’s a snapshot of real member experience. Star Ratings aren’t just marketing, they reflect actual data on how a plan performs, including complaints and disenrollment rates. |
| 2. It can reveal problems before you experience them. A plan with a pattern of low customer service ratings or high complaint volume may be a sign of what to expect if you enroll. |
| 3. High-rated plans sometimes offer special enrollment opportunities. Plans rated 5 stars are eligible for a Special Enrollment Period, meaning you may be able to switch into one of these top-rated plans once during the year, outside of AEP, a detail many people don’t know about. |
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Where to Find Star Ratings
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| Star Ratings are available on Medicare.gov‘s Plan Finder tool, and we can also pull them up for you when comparing plans during a consultation. Ratings are updated annually each fall, so it’s worth checking current ratings each year rather than relying on what a plan was rated previously. |
What Star Ratings Don’t Tell You
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| A high rating doesn’t automatically mean a plan is the right fit for you personally. Your doctors, medications, and specific benefit needs still matter most. Star Ratings are a helpful filter, not the whole picture. A 3-star plan that covers your specific medications and doctors may still be a better personal fit than a 5-star plan that doesn’t. |
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A Few Tips
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- Don’t rely on Star Ratings alone. Pair them with a review of costs, network, and drug coverage specific to you.
- If a plan you’re in drops significantly in rating year over year, it’s worth a closer look at why.
- Remember that ratings can change annually, so this year’s 5-star plan may not hold that rating next year.
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| Star Ratings are one more tool to help you make a confident, informed decision, not just about what looks good on paper, but what actually works well for the people enrolled in it. |
| Curious how your current plan is rated, or want help comparing Star Ratings across your options? We’re happy to help you. Contact Silent Partner Insurance Solutions today. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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Is Your Medicare Supplement Plan Getting Too Expensive? Here’s What You Can Do
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| If your Medicare Supplement (Medigap) premium has crept up again this year, you’re not alone, and you’re not stuck. Supplement premiums tend to rise over time, sometimes significantly, but there are real options worth exploring before you simply accept the increase. |
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Why Medigap Premiums Go Up
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| Unlike Medicare Advantage plans, Medigap premiums are priced based on factors like your age, location, and the insurance company’s overall claims experience, not your personal health changes. That means even healthy members can see steady premium increases year after year, sometimes well above general inflation. |
Your Options to Consider
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1. Shop Around With a Different Carrier
Since Medigap plans with the same letter (like Plan G or Plan N) offer identical benefits no matter which company sells them, the coverage itself won’t change, only the price and the company behind it. Switching to a different carrier offering the same plan type at a lower premium can mean real savings without losing any coverage. |
| Important: Outside of your initial enrollment window, switching Medigap carriers typically requires medical underwriting, meaning the new company can ask health questions and potentially decline coverage or charge more based on your health history. This varies by state, so it’s worth checking your specific situation before applying. |
2. Consider a Higher-Deductible Plan
Some Medigap plans (like High-Deductible Plan G) offer the same core protection as their standard counterparts but with a much lower monthly premium in exchange for paying a deductible before the plan kicks in. For members who don’t use a lot of healthcare services, this can mean meaningful monthly savings. |
3. Look Into Medicare Advantage
For some people, transitioning from a Medicare Supplement plan to a Medicare Advantage plan can significantly lower monthly costs, often with added benefits like dental, vision, or hearing built in. This is a bigger decision with real trade-offs. There are different provider networks and different cost structures so it deserves a full conversation before making a move. |
4. Check for Household or Payment Discounts
Some carriers offer discounts for setting up automatic bank withdrawals, paying annually instead of monthly, or having multiple household members on the same carrier’s plans. These small adjustments can add up. |
5. Review Your Plan Letter
If you’re on a more comprehensive plan (like Plan F) but rarely use extra benefits, a plan with slightly less coverage, but still solid protection, might make more financial sense for your situation. |
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A Word of Caution
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| Not every option is right for every person, and health history, timing, and state rules all play a role in what’s actually available to you. Making a change without understanding the full picture can sometimes create coverage gaps or unexpected costs, so this isn’t a decision to make alone or in a hurry. |
How We Can Help
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| We can walk through your current plan, your health history, and your budget together and show you exactly what alternatives are realistically available to you. Sometimes the answer is switching plan types. Sometimes it’s staying put. Either way, you’ll know you made an informed choice. |
| Feeling the pinch from a rising Medigap premium? Let’s talk through your options together. Contact us for a free, no-obligation review. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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Your ANOC Has Arrived: What It Means and Why You Shouldn’t Ignore It
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| Every September, Medicare Advantage and Prescription Drug plan members receive a document called the Annual Notice of Change — or ANOC. If you receive one in the mail in the next few weeks, don’t set it aside. This short document can save you from unwelcome surprises in the new year. |
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What Is an ANOC?
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| The ANOC is a notice your current plan is required to send by September 30 each year. It outlines any changes to your plan’s costs, coverage, and benefits that will take effect on January 1. Think of it as your plan’s way of saying, “Here’s what’s staying the same, and here’s what’s different, for next year.” |
What to Look For
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| Your ANOC will typically spell out changes to: |
- Premiums — Is your monthly cost going up, down, or staying the same?
- Deductibles and copays — Are you paying more for doctor visits, specialists, or hospital stays?
- Drug coverage — Has your plan’s formulary changed? Are any of your medications moving to a different tier or being dropped altogether?
- Provider and pharmacy networks — Is your doctor or pharmacy still in-network next year?
- Extra benefits — Are perks like dental, vision, hearing, OTC benefits or transportation changing?
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Why It Matters
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| Plans can adjust their benefits year to year. A plan that was a perfect fit last year might look very different in January. Reading your ANOC closely is the only way to know for sure whether your plan still meets your needs. |
What to Do Next
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- Read it as soon as it arrives. Don’t wait until AEP is almost over.
- Compare it to your current coverage. Look specifically at anything tied to medications or providers you use regularly.
- Call us if anything is unclear. Reviewing ANOC letters is something we help clients with often. There’s no such thing as a silly question.
- Let us show you what else is out there. If your plan’s changes don’t work for you, we can review your current coverage and compare the available plans in your area to see whether another option may better fit your needs for 2027.
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If You Like Your Plan, You Can Keep It
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| You don’t have to change plans just because it’s Annual Enrollment. |
| If you review your ANOC and you’re comfortable with the changes, you can keep your current plan. If you choose to keep your current Medicare Advantage or Prescription Drug Plan, you don’t have to take any action. |
A Few Tips
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- Keep your ANOC in the same place you keep other Medicare paperwork. You may want to reference it later.
- If you don’t receive one and you’re enrolled in a Medicare Advantage or Prescription Drug plan, contact your plan directly to request it.
- Even if nothing looks alarming at first glance, it’s worth a full review each year. Small changes add up.
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| Your ANOC is one of the most useful documents Medicare sends you all year. A few minutes reading it now can mean a much smoother 2027. |
| Have questions about your ANOC, or want to see what other plans are available for next year? We’d love to help. We’re happy to answer your questions, review your current plan and, if you’d like, compare your available options for 2027. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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Understanding Your Explanation of Benefits (EOB)
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| If you’ve ever opened an envelope from Medicare or your insurance plan and seen a document labeled “This Is Not a Bill,” and then panicked anyway, you’re not alone. The Explanation of Benefits, or EOB, is one of the most misunderstood pieces of mail seniors receive. Here’s what it actually means, and why it’s worth a quick read each time one arrives. |
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What an EOB Is (and Isn’t)
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| An EOB is a summary of a medical claim that’s already been processed. It shows what your doctor or provider billed, what Medicare or your plan paid, and what, if anything, you may owe. It is not a bill. Think of it as a receipt confirming that a claim was reviewed, not a request for payment. |
How to Read the Key Sections
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| Most EOBs follow a similar layout, even if the wording varies by plan: |
- Provider & Service Date — who you saw and when.
- Amount Billed — what the provider originally charged.
- Plan Discount / Allowed Amount — the negotiated rate your plan actually recognizes, often lower than the billed amount.
- Amount Paid by Plan — what Medicare or your plan covered.
- Your Responsibility — any copay, coinsurance, or deductible amount you may owe the provider directly.
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| If a separate bill arrives from your provider, that’s the one to pay, not the EOB itself. |
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Why It’s Worth Checking
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- Catch billing errors early. Wrong dates, duplicate charges, or services you never received can show up here before they become bigger problems.
- Track your deductible and out-of-pocket spending. EOBs are a running record of where you stand for the year.
- Spot potential fraud. If you see a service listed that you don’t recognize, it’s worth a call to your plan or provider.
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What to Do If Something Looks Off
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| Call the customer service number on the EOB or your plan card. Have the claim number handy, it makes the conversation faster. If it turns out to be an error, your plan will typically correct it and reissue a corrected EOB. |
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A Few Tips
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- Keep EOBs in a folder or binder by year, they’re handy for tax time and for tracking healthcare spending.
- Compare your EOB to your provider’s bill before paying anything.
- If the wording feels confusing, most plans have a member services line specifically for questions like this.
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| Reading your EOB doesn’t have to be stressful. A quick five-minute check each time one arrives can save you money and give you peace of mind. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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© 2026 Medicare Minutes
PO Box 32
Fogelsville, PA 18051, United States |
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The Northeast ADA Center provides information, guidance, and training on the Americans with Disabilities Act and related disability issues throughout New York, New Jersey, Puerto Rico and the US Virgin Islands.
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August 2026 News Bulletin
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Updates from the Northeast ADA Center
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Free Webinar | October 1, 2026 | 2-3 p.m. ET
Achieving Employment First goals requires strong partnerships with the business community.
Hosted by the Yang-Tan Institute on Employment and Disability in Cornell University’s ILR School, this webinar will explore practical business engagement strategies that help state agencies, employment service providers, and workforce partners build pathways toward meaningful relationships with employers while advancing competitive integrated employment opportunities for people with disabilities.
Participants will:
- Learn about how employer engagement efforts align with New York’s Employment First policy objectives
- Identify approaches for understanding and meeting business needs
- Develop partnerships that create sustainable employment outcomes
Through examples and promising practices, the session will highlight strategies that support both employers and job seekers, demonstrating how effective business engagement can translate Employment First policy into successful employment outcomes.
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The Northeast ADA Center has produced a series of animated cartoons designed for children about the ADA and the experiences of people with disabilities. The videos also have a companion curriculum with ten categories that parents, teachers, and others can use to engage kids more deeply in the subject areas. You can visit the animated school series on NortheastADA.org or watch the cartoons on YouTube in English or in Spanish.
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08-14-26 HAPPENING IN COLORADO
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Image description: An emergency preparedness graphic featuring “Prepare Today. Be Ready Tomorrow.” An emergency backpack and supplies are shown alongside icons representing making a plan, building a go-bag, staying informed, communicating, and evacuating safely. A callout highlights free emergency supplies and a backup power generator raffle.
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The Center for People With Disabilities (CPWD) in partnership with Xcel Energy, is hosting three free disaster preparedness trainings this fall for people with disabilities, older adults, caregivers, family members, friends, and community members.Emergencies can create additional challenges for people with disabilities and older adults. These workshops will provide practical, easy-to-understand information and resources to help you prepare for emergencies and create a plan that meets your individual needs.
What You’ll Learn
During the workshop, participants will learn how to:
- Create a personalized emergency plan
- Build an emergency kit or go-bag
- Sign up for emergency alerts
- Communicate during an emergency
- Safely evacuate
- Stay connected with family, caregivers, and support networks
Participants will also receive emergency preparedness supplies to help start building a go-bag. Supplies will vary by event. |
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Gilpin County
 Saturday, September 26, 2026 11:00 a.m.–1:00 p.m.
 Gilpin Community Center – Multi-Purpose Room
250 Norton Drive, Black Hawk, CO 80422
Register for the Gilpin training |
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Broomfield County
Saturday, October 17, 2026 1:00–3:00 p.m.
Broomfield Health and Human Services Building – Heritage Room
100 Spader Way, Broomfield, CO 80020
Register for the Broomfield training |
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Raffle – Win a Backup Battery!
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Image description: Image of a portable backup battery. Image is for illustrative purposes only; the brand, model, size, and features may vary from the actual raffle prize available.
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Registered participants will receive emergency supplies and be entered into a raffle to win a portable backup power generator.
Who Should Attend?
These free workshops are open to anyone interested in being better prepared, including:
- People with disabilities
- Older adults
- Caregivers
- Family members
- Friends and neighbors
- Community members and support networks
Registration is required
Need help registering or have questions? Contact our Community Organizer, Sasha, at sasha@cpwd.org or (303) 442-8662.
Learn more about CPWD and our programs and services at www.cpwd.org.
We hope you’ll join us and take the next step toward being prepared! |
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| Learn More About CPWDFor more information about CPWD please visit our website below or call us at (303) 442-8662www.cpwd.org |
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Medicare Part D Is Changing in 2027
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What the End of the Premium Stabilization Program Could Mean for You
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| If you have Medicare prescription drug coverage, there is an important change coming in 2027 that you should know about before you simply renew your current plan. |
| A temporary federal program that has helped stabilize premiums for Medicare Part D prescription drug plans is ending after 2026. This means insurance companies will no longer receive the same additional support to help limit premium increases. |
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Could Your Prescription Drug Costs Go Up?
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| Possibly. But not necessarily. |
| The end of the stabilization program does not mean that everyone’s Part D premium will increase. Each insurance company will set its 2027 premiums based on its expected costs, the medications its members use, and other factors. |
| However, because the temporary premium stabilization assistance is ending, some stand-alone Part D plans could have higher premiums in 2027. |
| That’s why it will be important to look beyond your current plan and compare your options during Medicare’s Annual Enrollment Period. |
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Your Current Plan May Not Be Your Best Plan for 2027
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| Prescription drug plans can change from year to year. Even if your plan worked well for you in 2026, your: |
- Monthly premium
- Deductible
- Copayments and coinsurance
- Covered medications
- Preferred pharmacies
- Formulary tiers
- Out-of-pocket costs
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| could be different in 2027. |
| A plan that was affordable this year may not be the most cost-effective choice next year. |
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Don’t Just Look at the Premium
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| When comparing Part D plans, it’s important to consider your total prescription drug costs, not just the monthly premium. |
| A plan with a lower premium isn’t necessarily the least expensive option if your medications have higher copayments or aren’t covered at the same level. |
| That’s where reviewing your specific prescriptions and preferred pharmacy can make a big difference. |
What Should You Do?
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| During the Medicare Annual Enrollment Period, October 15 through December 7, take a few minutes to review your Medicare prescription drug coverage for 2027. |
| Don’t automatically assume your current plan is still your best option. |
| We can help you compare available Medicare options based on your medications, pharmacies, and individual needs. |
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Have Questions About Your 2027 Medicare Coverage?
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| Let us help you review your options before you renew. |
Silent Partner Insurance Solutions
Medicare Insurance Specialists
610-366-0124
contact@silentpartnerins.com
silentpartnerins.com |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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Brand-Name vs. Generic Medications.
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What’s the Difference and Can You Save Money?
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| If you’ve ever picked up a prescription and noticed your medication looks different than before, you may have received a generic version instead of the brand-name drug. Many Medicare beneficiaries wonder whether generic medications work as well as brand-name medications. The good news is that, in most cases, the answer is yes. Understanding the difference can help you make informed decisions and potentially save hundreds, or even thousands of dollars each year. |
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What Is a Generic Medication?
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| A generic medication contains the same active ingredient as its brand-name counterpart. Before a generic drug can be approved, the U.S. Food and Drug Administration (FDA) requires it to meet the same standards for: |
- Safety
- Effectiveness
- Quality
- Strength
- Dosage form
- Route of administration
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| Generic medications must work the same way in the body as the brand-name version. |
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Why Do Generic Drugs Cost Less?
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| Brand-name drug manufacturers invest years developing and testing new medications. During that time, they are protected by patents that prevent other companies from making the same drug. Once those patents expire, other manufacturers can produce generic versions. Because they don’t have the same research and development costs, generic medications are usually available at a much lower price. Lower costs don’t mean lower quality. They simply reflect lower development expenses and increased competition. |
Are Generic Medications Always Identical?
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| While the active ingredient is the same, generic medications may look different. |
| You may notice differences in: |
- Color
- Shape
- Size
- Inactive ingredients (such as fillers or dyes)
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| These differences generally do not affect how the medication works. If you have allergies or sensitivities to certain inactive ingredients, let your doctor or pharmacist know. |
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When Might a Brand-Name Medication Be Recommended?
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| Although generics work well for most people, there are situations where your healthcare provider may recommend staying with a brand-name medication. |
| Examples include: |
- Certain seizure medications
- Some thyroid medications
- Drugs with a very narrow therapeutic range
- When a patient has experienced problems after switching versions
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| Always follow your healthcare provider’s recommendations before making any changes to your medications. |
Tips to Lower Your Prescription Costs
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| Here are a few simple ways to save money: |
- Ask your doctor if a generic option is available.
- Use your plan’s preferred pharmacy whenever possible.
- Review your medications each year during Medicare Annual Enrollment.
- Ask about a 90-day supply if appropriate.
- Take medications exactly as prescribed to help avoid unnecessary healthcare costs.
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Medicare and Generic Medications
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| Many Medicare Part D and Medicare Advantage prescription drug plans encourage the use of generic medications because they often have lower copays than brand-name drugs. Choosing a generic medication when appropriate may help reduce your out-of-pocket costs while providing the same therapeutic benefit. |
Talk With Your Healthcare Team
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| Never stop taking a medication or switch between brand-name and generic versions without speaking with your doctor or pharmacist. They can help determine which option is safest and most effective for your individual health needs. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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The Joys (and Health Perks) of Gardening in Your Golden Years
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| There’s something special about getting your hands in the soil. Whether you’re tending a few pots on the porch or a full backyard bed, gardening is one of the best hobbies you can pick up, or keep up, at any age. It’s not just relaxing. It’s genuinely good for you. |
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Why Gardening Is a Great Fit for Seniors
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| Gardening keeps your body moving in gentle, low-impact ways. Digging, weeding, and watering work your muscles and joints without the strain of a gym workout. Many studies have linked regular gardening to improved flexibility, better balance, and even a lower risk of falls. |
| It’s good for your mind, too. Spending time outdoors and focusing on a simple task like planting or pruning can ease stress and lift your mood. Some research suggests gardening may even support brain health as we age. |
| And let’s not forget the social side. Community gardens, garden clubs, and swapping tips with neighbors are all easy ways to stay connected. |
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Tips for Easier, Safer Gardening
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- Raise your beds. Raised garden beds or large containers mean less bending and kneeling and easier on the back and knees.
- Choose the right tools. Look for lightweight tools with cushioned, ergonomic grips. A garden stool or kneeling pad can be a game-changer.
- Pace yourself. Garden during the cooler parts of the day, take breaks often, and keep water nearby.
- Start small. A few pots of herbs or tomatoes on a patio can bring just as much joy as a big plot, with a lot less work.
- Protect your skin. Wear a wide-brimmed hat, sunscreen, and gloves to guard against sun and irritation.
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Easy Plants for Beginners (or Anyone Who Wants Low-Maintenance Beauty)
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- Marigolds — cheerful, hardy, and great at keeping pests away
- Herbs like basil and mint — perfect for containers and cooking
- Tomatoes — satisfying to grow and even more satisfying to eat
- Hostas — shade-loving and nearly foolproof
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Getting Ready for Fall Planting
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| Late summer is the perfect time to start thinking ahead. Cooler-weather crops like lettuce, spinach, and kale can go in the ground now for a fall harvest. It’s also a great time to plant spring-blooming bulbs like daffodils and tulips, tuck them into the soil before the first frost, and they’ll reward you with color come spring. A little planning now means more to enjoy later. |
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Bringing the Garden to the Table
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| One of the simplest pleasures of gardening is eating what you grow. A handful of fresh basil and homegrown tomatoes can turn an ordinary dinner into something special, no fancy recipe required. Even a small windowsill herb garden can add fresh flavor to your meals year-round. |
A Little Sunshine Goes a Long Way
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| You don’t need a green thumb to enjoy gardening, just a little curiosity and a willingness to get a bit dirty. Whether it’s a single pot of flowers or a full vegetable patch, the benefits to your body, mind, and mood are well worth it. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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Financial Fraud Red Flags
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| Scammers are becoming more sophisticated every year, and unfortunately, older adults are often targeted because they are perceived as having savings, good credit, or a trusting nature. The good news is that knowing what to watch for can help you avoid becoming a victim. |
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Common Red Flags
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| If someone contacts you unexpectedly and any of the following happen, take a step back before responding. |
They Create a Sense of Urgency
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| Scammers often pressure people into making quick decisions. |
| You may hear: |
- “Your account will be closed today.”
- “You must act immediately.”
- “This offer expires in the next hour.”
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| Legitimate businesses and government agencies rarely demand immediate action without giving you time to verify the information. |
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They Ask for Personal Information
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| Never give out your: |
- Medicare number
- Social Security number
- Bank account information
- Credit card numbers
- Online banking passwords
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| If someone claims to be from Medicare, your bank, or an insurance company, hang up and call the official phone number you already have on file. |
They Request Unusual Forms of Payment
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| Be suspicious if you’re asked to pay using: |
- Gift cards
- Cryptocurrency
- Wire transfers
- Payment apps to someone you don’t know
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| These payment methods are difficult to recover once the money is sent. |
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They Promise Something That Sounds Too Good to Be True
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| Be cautious of offers such as: |
- Free medical equipment with “no strings attached”
- Large cash prizes
- Guaranteed investment returns
- “Exclusive” Medicare benefits available only today
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| If it sounds too good to be true, it probably is. |
They Want Remote Access to Your Computer
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| No legitimate company will unexpectedly call and ask to take control of your computer or phone. Never download software or grant remote access unless you initiated the request with a trusted company. |
Medicare Scam Alert
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| Medicare will not call you out of the blue to: |
- Verify your Medicare number
- Offer a new Medicare card for a fee
- Sell Medicare Advantage or Part D plans
- Threaten to cancel your benefits
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| If you receive one of these calls, hang up immediately. |
How to Protect Yourself
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| A few simple habits can make a big difference: |
- Don’t answer calls from unknown numbers if you’re unsure who is calling.
- Let unexpected calls go to voicemail.
- Verify requests by contacting the company directly using an official phone number.
- Review your bank and credit card statements regularly.
- Check your Medicare Summary Notice or Explanation of Benefits for services you didn’t receive.
- Talk with a trusted family member or advisor before making major financial decisions.
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If You Think You’ve Been Scammed
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| Act quickly. |
- Contact your bank or credit card company immediately.
- Change any compromised passwords.
- Report Medicare-related fraud to 1-800-MEDICARE.
- Report identity theft at IdentityTheft.gov.
- Notify your local law enforcement agency if money has been stolen.
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| The sooner you report suspected fraud, the better your chances of limiting the damage. |
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| Click on the image for more information. Contact us with any questions or if you would like to enroll. |
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| Whether you’re new to Medicare or reviewing your current coverage, we’re here to provide trusted local support and personalized service. Do you know someone who is navigating Medicare for the first time? Forward them this email. They’ll thank you for it! |
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FYI
If someone in your family has a mobility disability, be ready for disasters: 
Have extra batteries for a power wheelchair or other battery-operated medical devices Keep an extra mobility device such as a cane or walker Have a family emergency plan http://ready.gov/disability https://pic.twitter.com/5UrQprzenQ
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A VERY SPECIAL THANK YOU TO CHRISTY FROM WONDERMOMS FOR SENDING ME THIS WEALTH OF INFORMATION.
THERE ARE TIMES WHEN FAMILY MEMBERS WILL LOOK AFTER OUR CHILD(REN) WITH SPECIAL NEEDS AND I AM HOPING THAT ALL OF THIS WONDERFUL INFORMATION WILL HELP THEM TO HAVE THEIR HOMES PREPARED AND INVITING TO THE YOUNGER ONES …
THERE IS NOTHING WE WILL NOT DO WHEN WE CARE FOR ANOTHER HUMAN…. KUDOS CHRISTY!
POSTED 04-15-20
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On January 29, 2020, HUD issued updated guidance on the topic of assistance animals as a reasonable accommodation. The new guidance provides clarity on some of the complex issues that property owners, property managers, and tenants have encountered. This updated guidance can be found on HUD’s website at https://www.hud.gov/sites/dfiles/PA/documents/HUDAsstAnimalNC1-28-2020.pdf (PDF).
HUD also released a fact sheet to accompany the new guidance. This additional document can be found on HUD’s website at https://www.hud.gov/sites/dfiles/PA/documents/AsstAnimalsGuidFS1-24-20.pdf (PDF).
This new guidance should be of wide interest to many of TDHCA’s program participants.
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Tips for Your Best Day Out with Your Kid with Autism
BY EILEEN SHAKLEE Published: March 29, 2019
https://www.njfamily.com/tips-for-your-best-day-out-with-your-kid-with-special-needs/#
POSTED 04.12.19
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POSTED 03.19.19
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08-20-18 ASSISTED LIVING BENEFITS FOR VETERANS
THIS INFORMATION HAS BEEN PROVIDED BY THE ASSISTED LIVING RESEARCH INSTITUTE –
THANK YOU DONNA VILLAR FOR REACHING OUT TO US TO HELP GET THE WORD OUT!
https://www.assistedliving.org/assisted-living-benefits-for-veterans
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08-20-18 KNOW THE LAW: SERVICE AND SUPPORT ANIMALS
What’s the difference between an emotional support animal and a service animal? And what kinds of accommodations are landlords required to provide?
GET THE LOWDOWN…
https://www.zillow.com/rental-manager/resources/landlord-laws-support-animal/?utm_source=email&utm_medium=email&utm_campaign=emm_zrm_0818_augustbatchnl&utm_content=herobutton
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02-10-20 update… CALLING ALL FOOT AMPUTEES AND AMPUTEES GROUPS!
HOMELESS TO INDEPENDENCE, INC. IS EXPANDING OUR OUTREACH …
WITH OFFERING ALL AMPUTEES NATIONWIDE A NEW VANS SNEAKER.
UNFORTUNATELY, WE DO NOT HAVE FUNDS TO COVER POSTAGE. POSTAGE WILL BE A FLAT FEE OF $7.10 FOR USPS PRIORITY PADDED FLAT RATE ENVELOPE OUTSIDE OF NEW JERSEY.
CHILDREN, MEN AND WOMEN SIZES AVAILABLE!
EMAIL: ANN@HOMELESSTOINDEPENDENCE.ORG
WITH THE SIZE NEEDED, RIGHT OR LEFT FOOT
AND I WILL SEND YOU PICTURES OF WHAT I HAVE AVAILABLE IN THE SIZE AND FOOT REQUESTED.
WE DO NOT HAVE EVERY SINGLE SIZE, HOWEVER, WE DO HAVE AND EXTREME AMOUNT OF THESE VANS TO ASSIST THE AMPUTEE COMMUNITY.
THANK YOU EVERYONE FOR SUPPORTING HOMELESS TO INDEPENDENCE, INC. AND THE PEOPLE WE SERVE!
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Disability.GOV information that pertains to individual states are listed on the individual state’s page – Thank you!
and…
Disability.gov’s Guides to Information & Resources
https://www.disability.gov/disability-govs-guides-to-information/
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Back to School: Teaching Kids How to Handle Bullying
Back to School Teaching Kids How to Handle Bullying
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Disability Connection: 10 Things You Need to Know for Back-to-School
Disability
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WE LEAVE NO STONE UNTURNED WHEN IT COMES TO HELPING OTHERS!!
