Life Happens – Jewish Perspectives on Planning for the Future: Leaving a Legacy

Life Happens

Jewish Perspectives on Planning for the Future:

Leaving a Legacy

Tuesday, Sept. 10, 2019
6:30-8:30 p.m.
The Gordon Center for Performing Arts
Rosenbloom Owings Mills JCC
3506 Gwynnbrook Ave.
Owings Mills, MD 21117

 


SPEAKERS:

Rabbi Daniel Rose, Director, Seasons Jewish Hospice Services
Deborah Hamburger, Esq., Volunteer Coordinator, Jewish Community Services
Donna Kane, M.A., Grief Counselor, Jewish Community Services

 

THE DISCUSSION WILL COVER:

  • Leaving a legacy: Articulating what is important to us and how we want to be remembered
  • Planning for financial, medical and end-of-life matters with loved ones
  • Creating a comprehensive binder for your family members that will provide them with all the useful information they will need in the event of your death or other emergency.

 

Attendance is free and open to the community. To register for this session, visit lifebridgehealth.org/lifehappens2019 For more information, contact Robyn Talesnik at 410-559-3606.

 

Sponsored by:

The Edward A. Myerberg Center

JCC of Greater Baltimore

Jewish Community Services (an Agency of The Associated: Jewish Community Federation of Baltimore)

LifeBridge Health

Seasons Hospice and Palliative Care

Sol Levinson & Bros., Inc

 

You Want Me to Talk About WHAT?

Savings Jars

Planning ahead is something that we are taught to do for most of our lives. We plan for all of life’s major milestones. But planning for a funeral…it is hard to even think about.

If you take a moment to consider all the benefits, you’ll soon understand why several hundred people a year come in to have this important conversation. Have you ever had to plan a funeral? If so, is that something you want your children to have to do for you? Do your children live out of town and have to arrange travel plans as well as handle details of the funeral?

To make this a little easier, we are going to start by answering a few common questions.

  • I don’t want to think about my own funeral, or even that of a loved one. Why can’t we just deal with this later?
  • What are the benefits of advance planning for a funeral?
  • I’m not sick or old. Why should I talk about this depressing subject now?
  • How does pre-payment work?
  • We were told we have to spend down a loved one’s assets for Medicaid. What do I do?
  • What actually happens at an Advance Planning discussion?

 

I don’t want to think about my own funeral, or even that of a loved one. Why can’t we just deal with this later?

Major life events require advanced planning, but it is easy (maybe even enjoyable) to plan for things that we are looking forward to. Of course, that is not the case for a funeral. No one looks forward to thinking about those details, but unfortunately this life cycle event requires planning just the same. Talking about death and funerals is never easy, but having this conversation ahead of time means that your family won’t have to do it while they also grieve.

 

Planning a Wedding

What are the benefits of advance planning for a funeral?

Advance planning comes with many emotional, financial, and practical benefits for your family. When you take care of the details yourself, it allows you to protect your family from the burden of guessing at your wishes or making decisions during a very difficult time. Does your family sometimes disagree on things? Having your wishes put down on paper can help to keep peace between family members and allows them to focus on themselves and the grieving process. Knowing whether you want to be dressed in the traditional white burial shroud or your favorite sweater isn’t what your family should have to be concerned about.

“This is the greatest gift I can give my family.”

In addition, one of the most obvious benefits of pre-paying is keeping your family from incurring the cost of the funeral. Funeral prices on average go up 2-4% a year. As someone recently said to us about pre-paying for their funeral, “It’s just common sense.” We’ve also heard “This is the greatest gift I can give my family.” We see that every day when families who have pre-paid just have to call us and schedule a funeral, and then go back to focusing on their family. For families that haven’t pre-paid, they instead need to come in and have one of the hardest conversations in the world, at one of the worst times in their life.

 

I’m not sick or old. Why should I talk about this depressing subject now?

“It’s just common sense.”

We would argue that this is exactly the time you should be coming in to have this conversation. There’s no hiding the fact that we have seen how unexpected life can be. Having met with families suffering a sudden loss who are left directionless, we cannot overemphasize the importance of having honest conversations (with yourself and your family). We know this is not a fun or enjoyable conversation. However, we are here to help you through this process and make the conversation as easy as possible. Our funeral directors who specialize in Advance Planning are all individuals who sincerely believe they are helping you help your family.

 

How does pre-payment work?

Selecting the kind of funeral that you want also means that you get to control the cost. Taking the emotional aspect out of planning means you can make practical decisions that work for you and your family. And when you pre-fund your funeral through our special guarantee program, it allows you to lock in all of Sol Levinson’s costs indefinitely. The cost of a funeral goes up about 2% a year, so when someone in their 60s pays for those funeral costs now, they can potentially save their family thousands of dollars.

 

We were told we have to spend down a loved one’s assets for Medicaid. What do I do?

Pre-paying funeral expenses is one of the main ways for an individual to spend down in order to apply for Medicaid. When you pre-pay their funeral, those funds are no longer counted as their assets, and the financial burden doesn’t fall to your family when the time comes. We have all the proper paperwork for properly protecting assets according to Medicaid regulations.

 

What actually happens at an Advance Planning discussion?

Couple Planning TripWe will meet with you at the funeral home in Pikesville, in your own home, at our Columbia Arrangement Center, or speak by phone to review important background information (such as statistical information for the death certificate) so your family does not have to search for information at the time of a funeral. Then, we go through all of the funeral options and advise you on any specific cemetery or clergy requirements, or options for alternative services if traditional burial is not in your plans, so you can decide what is best for you. We also talk about any specific requests you may have – a favorite song to be played, burial with your favorite fishing rod, your paintings to be displayed, a particular reading that you absolutely do NOT want read. All of this information is written into an Advanced Planning Guide and we keep a copy on file. This is a no-obligation meeting – no charge to meet with us, and no need to pay us if you aren’t ready to take that step.

 

The Advance Planning Guide holds all of your personalized information so your family can stay organized and have the resources they need in one centralized location. This guide will funeral-related items such as burial plot information, number of death certificates needed, family information for a death notice, etc., and also other important end of life matters. There is a section to keep contact information for attorneys, accountants, financial planners, keep track of usernames and passwords for online bill payments and social media, insurance and bank account information, and more. It also contains many resources for during and after the funeral such as information on our bereavement programs, unveiling information, tips on setting up a shiva house, and a checklist of places your family may need to notify.

 

In Conclusion…

We know that most people aren’t thinking about these things as they go about their daily life. However, as funeral directors, we constantly see the benefit of people planning ahead. It’s obvious everytime a daughter doesn’t have to come into the funeral home and select a casket because her mother has already done that very difficult part for her, or when a nephew doesn’t have to pay for his uncle’s funeral because he didn’t have any other family. We understand how difficult this conversation is, but we do everything in our power to make it as easy for you as we can.

 

Next Steps:

To talk to an Advance Planning specialist about any questions, or to learn more, please email PlanAhead@sollevinson.com or call 410-653-8900. To schedule an appointment, please see our Online Scheduler, call or email us. We are very flexible, so if you do not see a time listed on the online scheduler that works for you, please contact us directly.

Life Happens: Jewish Perspectives on Aging and Planning for the Future

Life HappensThe Gordon Center for the Performing Arts
3506 Gwynnbrook Avenue, Owings Mills, MD, 21117
Tuesday, Oct. 30
6:30-8:30 p.m.

SPEAKERS:

Rabbi Dana Saroken, Beth El Congregation
Deborah Hamburger, Esq., Volunteer Coordinator, Jewish Community Services

THE DISCUSSION WILL COVER:
Jewish perspectives on aging and end of life.
Planning for financial, medical and end-of-life matters with loved ones.

Learn how to create a comprehensive binder for your family members that will provide them with all the useful information they will need in the event of your death or other emergency.

Attendance is free and open to the community. To register for this session, visit lifebridgehealth.org/lifehappens or call 410-601-WELL.

This event is co-sponsored by Sol Levinson & Bros., Inc., Jewish Community Services, the Jewish Community Center of Baltimore, Lifebridge Health, Edward A. Myerberg Center, and North Oaks.

Know the 10 Signs of Alzheimer’s: Early Detection Matters

Know the 10 Signs of Alzheimer’s: Early Detection Matters

StockSnap_28QNKCAHLMAsk the Expert Luncheon

Tuesday, October 16, 12pm

Linwoods, 25 Crossroads Dr, Owings Mills

Join us for this informative presentation by the Alzheimer’s Association. We will also briefly review the benefits of Levinson’s Advance Planning Guide. A vegetarian/fish meal will be served.

 

This program is designed to:

  • Provide compelling information about Alzheimer’s disease
  • Provide testimonies from families living with the disease
  • Encourage early detection, early diagnosis and early intervention
  • Provide information on knowing the difference between age-related memory loss and dementia
  • Provide answers on what to do when you or someone you know exhibit signs of Alzheimer’s disease

 

Lunch is free but registration is required by October 9 to AskTheExpert@sollevinson.com or 410-653-8900

Medicaid Spend-down: Ask the Expert Luncheon

  • What is Medicaid spend-down?
  • Is it for me?
  • How do I spend down my assets in an acceptable way?

Join us to hear from Jason Frank, Esq., professor of Elder Law at University of Baltimore Law School, Towson University, The Johns Hopkins University, the MSBA Continuing Education Program, and the University of Maryland School of Law.

Eliza Feller, Levinson’s Pre-Planning Manager, will briefly discuss the benefits of the Levinson’s Pre-Planning Guide.

Tuesday, June 12
12-1pm
Eggspectation
10209 Grand Central Ave #126, Owings Mills

A vegetarian/fish meal will be served. No fee, but attendance is by reservation only.

Space is limited. RSVP by Friday, June 8 to Sol Levinson & Bros. via 410-653-8900 or AskTheExpert@sollevinson.com

Ask the Expert Luncheon: Medicare Supplement

Tim Barnaba photoJoin us to learn about Medicare Supplement from Tim Barnaba, adjunct professor and teacher of “Understanding Medicare and Social Security” at CCBC, and Founder and President of Barnaba Insurance & Financial Services.

Eliza Feller, Levinson’s Pre-Planning Manager, will briefly discuss the benefits of the Levinson’s Pre-Planning Guide.

Tuesday, April 10, 2018
12-1pm
Eggspectation
10209 Grand Central Ave #126, Owings Mills

A vegetarian/fish meal will be served. No fee to attend. Attendance by reservation only.

Space is limited. RSVP by Monday, April 2 to Sol Levinson & Bros. via 410-653-8900 or  AskTheExpert@sollevinson.com

What is Aging-in-Place?

StockSnap_28QNKCAHLMWhat does it mean to “age in place”? According to the U.S. Center of Disease Control and Prevention the definition is, “the ability to live in one’s own home and community safely, independently, and comfortably, regardless of age, income, or ability level.” The average life expectancy in this country continues to rise, and with this blessing comes challenges and responsibilities to help maintain the safety and quality of life for a growing senior population. With families more spread out than ever, many adult children worry about making decisions for – and ensuring the well-being of – their aging parents from a distance.

Most people’s first desire is to remain in their own home as they age, and there are important ways that homes can and should be updated to ensure one’s physical safety. Some of these modifications involve removing tripping hazards, placing assistive devices in bathrooms, re-arranging furniture, adding ramps, ensuring kitchen safety, and more. There are also concerns about medication management and transportation that may need to be resolved. There are many resources available in Baltimore to help people continue their independent lifestyle and remain in their communities and their own homes.

Jewish Community Services offers an Elder Care Management program. From their website, “JCS Elder Care Management supports individuals in their desire to continue living in their own homes or in other settings with maximum independence and dignity while providing their family and caregivers with peace of mind.” Please see their website for the many ways they can assist, including consultations, assessments, and care management services. 

Comprehensive Housing Assistance, Inc. or, CHAI presents a broad range of community resources for seniors. They offer a supportive community network, housing services and loans, home repair, and other community outreach and volunteer programs. You can find all of these resources, as well as ways to volunteer or donate, by visiting their website.

Another vital part of being able to remain independent includes taking care of one’s self not only physically but mentally as well. The Jewish Community Center of Greater Baltimore offers a multitude of classes and events for seniors that allow them to socialize and remain connected to their community while staying physically active, strengthening both body and mind. There are classes available for visual arts, performing arts, book clubs, as well as their Lifelong Learning programs which offer enrichment classes on art and literature. Many of the programs and classes they offer are free or low cost. To find out more and see a comprehensive list of services they offer, you can visit their website.

If you are interested in learning about how to create more opportunities for  the community to better “age in place” you can also visit the National Aging in Place Council.

Thinking about our future or our parents’ futures isn’t always easy, but putting plans and practices in place now can help us ease into the next phase of life. Albert Einstein said “Life is like riding a bicycle. To keep your balance you must keep moving.” With the proper care and planning you can continue that balance well into the future, independently, safely and comfortably.

The Best Gift I Could Give My Children

Portrait Of Senior Couple Relaxing Together On SofaWe recently sat down to make pre-arrangements with a woman who told us her children thought that pre-planning her own funeral was the strangest thing for her to do, but she knew it was the best gift she could give them. Once all the decisions were made and everything was taken care of, she knew that all her family would have to do is pick up the phone and call Levinson’s when the time came. She said it gave her peace of mind to know they would not have to worry about making decisions while grieving, nor about the financial aspect of the funeral, and they would then understand how much of a gift she had given them.

It may seem surprising, but several hundred people a year come in to plan ahead for their funerals, or the funeral of a loved-one. We hear an incredible amount of positive feedback from them, with comments such as “That was a much easier conversation than I expected,” or “I feel so much better having had this conversation.” People uniformly thank us for making the process so easy.

When you come in to talk to us there are no obligations and there is no pressure. We give you all of the options and information, allow you to ask any questions you may have, and put together a personalized Pre-Planning Guide with funeral information and valuable resources for your family.

Funeral directors are available by appointment to meet you at either the funeral home in Pikesville, or at our Columbia Arrangement Center. If you wish to learn more about the benefits of planning ahead, include a video testimonial, please visit our website.

“Don’t Worry, I Took Care of Everything.”

Has a loved one ever told you they’ve “taken care of everything” related to their funeral? Do you know what they mean by that?

So many times we, as funeral directors, have taken a call from a family notifying us that someone has died and “they told me everything was taken care of” – and we have no record of them ever coming in to make decisions or to pre-pay anything. It turns out the person purchased cemetery plots and that is it. This is a horrible shock for the family at an already emotionally overwhelming time. Imagine believing the funeral has been paid in its entirety and finding out that is not the case.

If a loved one has told you “I took care of everything,” please ask them what they mean, and specifically ask if they have come to Levinson’s to review all the options. If they haven’t, consider bringing them in to sit down and have this – admittedly difficult – conversation. You will receive a personalized Pre-PlanniCompleted Guideng Guide, which contains:

  • funeral selections,
  • location of vital documents,
  • space to write down important information to be used in the eulogy,
  • resources for families to use at the time of someone’s passing,
  • and much more.

If they HAVE been in to discuss all the options, but it has been a while, we want to offer the opportunity to come in and get our new Pre-Planning Guide reflecting your selections. Please give us a call to come in and meet briefly with one of our funeral directors, who will review it with you and give you a copy. You don’t have to make any changes to your existing selections.

We are available to meet with you by appointment in our Pikesville and Columbia, MD locations. As always, information on planning ahead is available on our website.

Introducing the new Levinson’s Pre-Planning Guide.

Introducing the new Levinson’s Pre-Planning Guide.

 

Completed Guide

This comprehensive resource contains detailed information about the funeral selections, location of vital documents, space to write down important information to be used in the eulogy, resources for families to use at the time of someone’s passing, and much more.

If you would like us to put together a Pre-Planning Guide reflecting your selections, please give us a call to come in to meet with one of our funeral directors in our Pikesville or Columbia locations. We will review all the funeral options with you, provide you with all the information you may need, and give you your personalized copy of the Guide.

Planning ahead for yourself or a loved one is beneficial because it allows you to:

  • Ensure your peace of mind that your wishes will be followed
  • Relieve the burden on your family, to ease their financial and decision-making obligations
  • Control financial costs – by pre-funding today, you can prevent the financial burden on those closest to you and be assured that the money will be there to help cover tomorrow’s funeral costs
  • Reduce assets prior to applying for Medicaid (“Spend-down”)

As always, information on planning ahead is available on our website.