Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 48 Page 49 Page 50 Page 51 Page 52 Page 53 Page 54 Page 55 Page 56 Page 57 Page 58 Page 59 Page 60 Page 61 Page 62 Page 63 Page 64 Page 65 Page 66 Page 67 Page 68 Page 69 Page 70 Page 71 Page 72Apartments: Options include apart- ments for the elderly and people with disabilities, finding affordable rents, public housing, housing choice vouch- ers (Section 8) and rural rental help. Jewish resource: Kivel Campus of Care, www.kivelcare.org. Legal There are several areas in which seniors might require legal assistance. For concerns with elder abuse, life- care planning, how to choose senior services/resources and how to avoid scams and frauds that often prey on the most vulnerable populations, the Office of the Attorney General has resources available for you to download: www. azag.gov/seniors/smart-seniors Jewish resource: Jewish Family & Children’s Service (JFCS) Jewish Commu- nity Services: Kathy Rood, 602-452-4627. Meal programs There are several different meal pro- grams available for seniors in the Valley. The Area Agency on Aging is an excel- lent resource to find the meal-delivery service in your area. Several private-pay meal-delivery services are available as well. Many of the meal programs ask for a donation or a nominal fee. Social Security How survivor benefits work: Currently, Social Security retirement benefits terminate at death. However, if two people have been married for at least nine months at the date of death (except in the case of an accident, which would provide another process through pre-existing insurance poli- cies), a survivor benefit is available to the widow/er. Survivor benefits are based on two factors: 1. The age at which the deceased spouse originally claimed his or her benefit. a. If the deceased claimed the ben- efit before full retirement age (FRA), the survivor benefit will be limited to the higher person’s actual benefit or 82.5 percent of the FRA benefit. b. If the deceased person died before FRA without taking his or her own retirement benefits, the survivor benefit will be equal to the deceased person’s FRA benefit. c. If the deceased person lived past the FRA or claims after FRA, the survivor benefit will include all the maximized benefits accrued. 2. The age at which the surviving person claims the survivor benefit. a. If the surviving person claims before FRA, the survivor benefit will be reduced. b. If the surviving person claims at FRA or later, his or her survivor benefit will equal 100 percent of the deceased spouse’s benefit (survivor benefits do not appreciate past the beneficiary’s FRA). Toll-free number: (800) 772-1213 www.ssa.gov Transportation Centers for Independent Living In addition to a host of other services, SENIOR RESOURCES Free-of-Charge Compassionate Help Duet promotes health and well-being through a broad range of services to older adults who need one-on-one support. , " "'! '&% ,  * $ ($% , $!#$!&%%! $!$! , "! $ &"!&$" $ % "'!&$"!& %"$#    ,)))'&+"$ >ĞƚƵƐƌĞǀŝĞǁLJŽƵƌƉŽƌƞŽůŝŽĂŶĚĮŶĂŶĐŝĂůƉůĂŶ͕ǁŝƚŚĂ ƚĂdžͲĐĞŶƚƌŝĐĂƉƉƌŽĂĐŚ͕ƚŽĞŶƐƵƌĞLJŽƵĂƌĞŽŶƚƌĂĐŬƚŽŬĞĞƉLJŽƵƌ ĮŶĂŶĐŝĂůƉƌŽŵŝƐĞƐƚŽLJŽƵƌůŽǀĞĚŽŶĞƐ͘ 12455 West Bell Road Surprise, AZ 85378 ϲϮϯͲϵϳϱͲϳϱϴϲKĸĐĞ 623-975-7590 Fax www.monheitfrisch.com 7047 E Greenway Pkwy, Suite 250 ^ĐŽƩƐĚĂůĞ͕ϴϱϮϱϰ ϰϴϬͲϲϱϵͲϯϵϮϯKĸĐĞ 623-975-7590 Fax ĞŵĂŝů͗ĚĂǀŝĚΛŵŽŶŚĞŝƞƌŝƐĐŚ͘ĐŽŵ ^ĞĐƵƌŝƟĞƐŽīĞƌĞĚƚŚƌŽƵŐŚϭƐƚ'ůŽďĂůĂƉŝƚĂůŽƌƉ͘DĞŵďĞƌ&/EZ͕^/W /ŶǀĞƐƚŵĞŶƚĂĚǀŝƐŽƌLJƐĞƌǀŝĐĞƐŽīĞƌĞĚƚŚƌŽƵŐŚϭƐƚ'ůŽďĂůĚǀŝƐŽƌƐ͕/ŶĐ͘ /ŶƐƵƌĂŶĐĞƐĞƌǀŝĐĞƐŽīĞƌĞĚƚŚƌŽƵŐŚϭƐƚ'ůŽďĂů/ŶƐƵƌĂŶĐĞ^ĞƌǀŝĐĞƐ͕/ŶĐ͘ ĂǀŝĚ͘DŽŶŚĞŝƚ͕WW&^ 'ĂƌLJ͘&ƌŝƐĐŚ͕WD  56 Jewish News