may 2014

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2 • The Senior Voice • May 2014

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By John Kefalas - Colorado State Senator Last December, I wrote about HOA real estate transfer fees and the concerns that many homeown-ers raised about the variability of such fees on residential home sales. There was great interest to either limit or cap such fees. I received examples of fees exceeding $500, which many homeowners felt were unjustifiable based on the actual administrative work performed by community association managers. I indicated that I would consider vari-ous options for solving the problem during this session. The outcome of my efforts was to improve and help pass HB14-154, concerning a requirement to disclose fees charged to a unit own-ers’ association by a community association manager. The bill was sponsored by Rep. Labuda (D) and Sen. Balmer (R), and I was one of the co-sponsors. On 3/24, the bill passed the Sen-ate 32 to 3, and it was sent to the Governor on 4/8. The bill requires that every manager or agent must disclose all charges, including real estate transfer fees, to the HOA Association Board during contract negotiations and on annual basis thereafter. HB14-1254 prevents the en-forcement of any fees or charges unless they are clearly disclosed in the contract or documented by a line item on a real estate closing settlement statement. Furthermore, a manager must disclose all rev-

enues received in connection with its property management work, and this addresses abuses by bad-actor managers regarding remuneration. The Division of Real Estate will now have the authority to regulate, investigate and discipline any man-ager or agent that violates the new law. This authority also aligns with proposed community association manager licensing rules concerning professional standards and inves-tigations that will require all con-tracts, agreements, authorizations and disclosures must be in writing. I proposed an amendment, based on input from homeowners, which spe-cifically called out HOA real estate transfer fees and included other pro-visions that strengthen the bill and make it more effective. While there were compromises along the way, I believe this legisla-tion is good for consumer protection and goes a long way for shedding light and increasing transparency on a matter of statewide concern. Given that more than two million Coloradoans live in HOAs through-out the state, which represents 39% of our population, this policy will provide us with facts to understand the nature of transfer fees and will inform us for any future changes.________________Contact Colorado State Senator John Kefalas at [email protected]; phone 970.221.1135; write 604 Sycamore Street, Fort Collins, CO 80521.

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What you are about to read may be the most important information you’ve ever read. Here

is why. Albert Einstein was, quite possibly, the most intelligent person who ever lived. His theories and ideas were so far ahead of his time, that even now, the smartest scientists alive are still discovering his value.

One of his theories published in 1917, worked out the theory of how lasers function. However, it was not until May 16, 1960 (43 years later) that the first actual laser was developed by an American scientist. Since then, scientists and inventors have developed many types of lasers and all kinds of uses for them. They can be used as a scalpel that is so delicate, it can be used on the eyes of human beings. Lasers are used to read price codes at your local supermarkets. And they’re used to play music and video on your CD’s and DVD’s.

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Low-level lasers use less than one watt of power and they produce what can best be described as a “Healing Light”. Here is a somewhat un-scientific description of how this “Healing Light” can potentially help reverse the damage done by human sickness and disease.

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Dr. Lytle believes (as do many other people) low-level laser therapy will become the medicine of the future.

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Low-level laser therapy is not just the medicine of the future. For many people who know about it, it is the “medicine” they use now. The problem of trying to explain the healing powers of low-level laser therapy is...

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Published Locally Since 1980Vol. 34, No. 6

PUBLICATION INFORMATIONThe Senior Voice news is locally owned and has been published the first of each month since 1980 for residents in Fort Collins, Greeley, Loveland and nearby towns.

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By P.J. Hunt If you want to see what pioneer life was like on a Colorado moun-tain ranch in the 1800s, visit the MacGregor Ranch in Estes Park. The buildings look exactly as they did years ago. You can see the MacGregor family’s house, dishes they used, furniture, horse-drawn equipment and many other things. It is one of the few pioneer ranches left, thanks to Muriel MacGregor, who put the ranch in a trust before she died so it would be preserved for future genera-tions. It was established by Muriel’s grandparents, Alexander and Clara MacGregor in 1874 when they homesteaded 160 acres. Alex came to Colorado in 1869 from Wisconsin. He was a young lawyer who fell in love with the mountains and decided to become a rancher. He and Clara married in 1872 and began building their life together in this high, scenic val-ley. Alex knew even then that tour-ists would want to see the area; so he built a wagon road from Estes Park to Lyons. You still drive on part of his road if you go to Estes from Lyons. While building up the ranch, Alex and Clara needed money. They earned some by charging tourists to camp in tents or park horse-drawn camping wagons on the ranch. They also offered horseback rides and had a small store where people could buy fishing supplies and other items. The first post of-fice in Estes was established at their ranch, and Clara served as postmaster.

So the MacGregors had one of the first tourist businesses in Es-tes Park. But Alex and Clara were more interested in raising cattle and running a ranch. When their three sons were old enough, they filed adjoining homestead claims and the ranch eventually grew to more than 2,000 acres. Then tragedy struck. In 1896, Alex was killed by a bolt of light-ning while he was in the moun-tains above the ranch. He was 50 years old. His son, Donald, took over the ranch. He and his wife, Minni, had one child, a daughter named Muriel born in 1904. Muriel graduated from law school but, like her grandfather, was more interested in ranch-ing than practicing law. She also never married, which meant there was no family to help her run the ranch years later, and she had no children to inherit it. One reason she didn’t marry might have been that she wanted to help her par-ents as they grew older. Muriel managed to hang onto the ranch, but it was difficult fi-nancially. She lived an indepen-dent, solitary life. As she grew older, townspeople viewed her as an eccentric who preferred to live in the past. That may have been true to some extent. Muriel seemed to prefer the serenity of pioneer life to the rush of modern civilization. But she was not completely out of touch. Before she died in 1970, she established a trust for the ranch that would assure its surviv-al as an authentic, pioneer ranch that future generations could visit. She did it because she loved the place and believed this small

piece of history should be pre-served. You’ll appreciate her fore-sight if you visit the ranch, just north of downtown Estes Park on Road 43 toward Glen Haven (the Devil’s Gulch Road). Some people believed Muriel wanted to preserve the ranch not just for posterity but because she couldn’t let go of it. Perhaps she wanted a place for her memories and family name to live on and not be destroyed by land develop-ers. Her MacGregor family name can be traced back centuries to the 800s and the Gregor clan of Scotland. Some MacGregors be-lieved they descended from Scot-tish king Alpin II, who first united Scotland in 843. Because of land disputes and battles in the early 1600s, King James VI banned the name Mac-Gregor and decreed that anyone using the name would be killed. MacGregor clan members were forced to take other names and go into hiding to avoid death. In the late 1700s, the MacGregor name was again permitted, and family members began coming to Amer-ica. Muriel might not have known that, but her final act of preserv-ing the ranch also helped save her ancient family name.________________COVER PICTURE. The Mac-Gregor ranch as it looks today. The Voice photo by Bill Lamb-din.

Alexander MacGregor. Photo Estes Park History Museum.

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By Bill Lambdin The Fort Collins Historical Society recently honored several people for their contributions to the area’s heritage. Tom McClellan received the Writer’s Award for his book “A History of the Fort Collins Police Department: 1873 to 2012.” Joe Bixler, Bonnie and Kim Szidon received the society’s President’s Award for maintain-ing the city’s oldest continually operating business, Ranch-Way Feeds. The society’s Recognition Award went to the Friends of the Water Works for preserving the 1882-83 Water Works. The Pioneer Association was

honored for placing an historic plaque at the old city Power Plant. Besides the awards, Laurie D’Audney presented a history of the Poudre water supply system, which began in the late 1800s with irrigation ditches leading from the Poudre River to various farm areas in Larimer and Weld counties. As Fort Collins’ population grew, fires and diseases prompted residents to build a water filtra-tion plant and supply lines in the town. A wooden pipe carried wa-ter from the river to the treatment plant until new facilities were built in the early 1900s. Today the town’s water is

stored in numerous lakes around the area, including Horsetooth Reservoir that holds water brought through the Alva B. Ad-ams Tunnel under the Continen-tal Divide from Grand Lake on

the western slope of the moun-tains. That was a major engineer-ing project in the early 1900s that now serves several north-ern Colorado communities, said D’Audney.

From left: author Tom McClellan; Bonnie and Kim Szidon with Ranch-Way Feeds; Phil Fhofer with Friends of the Water

Works; and Maxine Tamlin with the Pioneer Association. Bill Lambdin photo.

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By Bill Lambdin At the Greeley Museum, April 4, Colorado historian Patrick Sur-rena presented a program titled “The Trapper’s Trail” about the main route traveled by early pio-neers in the state. Surrena is a member of the American Mountain Men and

other organizations. He often does programs dressed in clothing like that worn by pioneers. He said the Trapper’s Trail ran from southern Colorado to Wyo-ming along the eastern edge of the mountains. Present-day Highway 85 follows it through Denver, Fort Lupton, Greeley, and other towns.

The first humans here used the trail thousands of years ago, as did later Indians, fur trappers, explorers, and settlers. Trading posts like Fort Vasquez that still stands south of Greeley were built on the trail where it followed the South Platte River. “Explorers were not impressed by the river,” said Surrena. But it was an important source of water so they followed it. Trappers us-ing the trail included Kit Carson, Jim Bridger, and others. Surrena’s program was one of several scheduled this summer by the Greeley Museums, said Educa-tion Curator Bill Armstrong. Other programs scheduled include: August 1, “Troubled Trails: The Meeker Massacre.” Septem-ber 5, “End of the Row: Hispanic Heritage.” The free programs are present-ed at 6 pm, at the museum, 714 8th Street. For information, call

970.350.9220 or see www.gree-leymuseums.com. Other Greeley events are at Centennial Village historic park and include the “Centennial Cel-ebration,” May 24-26, with stage-coach rides and entertainment. Also “Centennial Village Fair Days,” July 25-27, with hands-on living history programs and oth-er events; free admission to Fair Days.

Insurance Issue Obamacare is prompting some people to quit jobs they kept just to have health insurance, said congressional analysts. Now those work-ers believe they can afford insurance on their own. Some want to work part time, retire early, or pursue other career interests; and they believe being able to get affordable insurance on their own will allow them to do that. But they might be in for a surprise in a year or two if insurance companies decide to initiate huge increases in monthly premiums to keep profits up. Some of the analysts with congressional offices and other sources reported that Aetna CEO Mark Bertolini said his com-pany’s premiums might increase by 100%. Another executive talked about tripling premiums.

Patrick Surrena presents historical programs. The

Voice photo by Bill Lambdin.

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By Bill Lambdin At the Fort Collins Chamber of Commerce’s annual Healthcare Summit, March 26, analysts dis-cussed recent changes and future effects of the new Affordable Care Act (ACA), also called Obam-acare. Keynote speaker Scott Gottlieb, M.D., said he thinks ACA will turn out to be much more expensive for many Americans than it presently appears to be. Gottlieb is a con-tributor to the Wall Street Journal, CNBC television, and numerous other media outlets. He said not enough young, healthy people are buying ACA insurance policies; so costs to care for older people will force insur-ance companies to raise premiums in order to make profits. In fact, Gottlieb expects pre-miums to increase greatly in 2015 and beyond. “Except for the lower middle class, few other Americans will want the ACA insurance poli-cies,” he said. Federal subsidies that were supposed to make it pos-sible for every American to have insurance will benefit far fewer people than federal officials prom-ised, he added. Healthcare providers, employ-ers, and insurers are facing so many rapidly changing govern-ment regulations and unknowns that it is difficult for them to plan. That will not benefit patients, said Gottlieb. He worked with the Romney campaign in the last presidential election and expresses views often associated with the Republican party. Other speakers at the healthcare summit included Yvonne Myers, Health Systems Director for Col-umbine Healthcare in Fort Collins. She said the recent ACA changes have made nursing facilities major participants in post-acute care and patient follow-up.

Myers said federal govern-ment policies now penalize hos-pitals if patients are re-admitted too soon after discharge, which government officials say indicates that patients did not get adequate care in the hospital. Consequently many more patients will get ser-vices from nursing facilities that have decades of experience with follow-up and post-acute care. Other analysts have said many investment companies are buy-ing up hospitals and other provid-ers because they see profits in the changes taking place in healthcare. Myers was asked if Columbine has had offers from such companies. “Yes,” she said, “but owner Bob Wilson intends to keep Columbine under local control.” Other speakers included Ted Norman, M.D., with Banner Health. He said Americans will see fewer locally owned health-care providers, more regional or nationally owned hospitals, physi-cian groups, and others. Insurance companies will limit patients’ choices of doctors and hospitals to increase profits, said Norman. Patients will dislike that since it means changing doctors, but he thinks in the long run it will make healthcare cheaper through greater efficiency and by reducing unnecessary, duplicated services. Jason Tacha with Kaiser Per-manente said patients will also have “fewer face-to-face doc-tor visits, more virtual visits, and tele-health” services such as video chats by Skype with physician as-sistants instead of doctors. Those things, too, will make healthcare more efficient and lower costs, which is what insurance compa-nies and government officials say must happen in our healthcare system, added Tacha. But patients might not like such changes.

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By Bill Lambdin Historians Lee and Jane White-ley recently presented a program for the Loveland Historical Soci-ety about the first automobile tour of 12 national parks in 1920 in the western United States. It was the first tour of its kind in the early days of automobiles, designed to promote the newly es-tablished parks and tourism in the West. The American Automobile Association (AAA) was a major sponsor. At that time there were no federal highways, just local dirt roads that often were unmarked, said Lee Whitely. It was a chal-lenge for drivers to find their way in many places and even more of a challenge to deal with muddy, rough roads. But the Tin Lizzies held up remarkably well through-

out the 76-day, 5,000 mile tour. Whiteley also discussed the Lincoln Highway, the nation’s first coast-to-coast roadway. Ded-icated in 1913, it became the fore-runner of today’s Interstate 80. Lee and Jane live near Denver and were co-produces of the PBS television program “Paving the Way, the National Park-to-Park Highway.” They are also the au-thors of five books on transporta-tion history in the West. Email [email protected].

Medicare IssueBy Susan Jaffe - Kaiser Health News

Federal officials are consid-ering new Medicare Advantage rules to help protect participants when insurers make significant reductions to their networks of doctors and other health care pro-viders. The proposals follow Unit-edHealthcare’s decision to drop thousands of doctors from its Medicare Advantage plans in at least 10 states last fall. The government’s response is part of the 148-page announce-

ment of proposed rules and pay-ment rates for next year’s Medi-care Advantage plans. Officials say the terminations may not have given participants enough time to find new doctors, choose a dif-ferent plan, or rejoin traditional Medicare, which does not restrict beneficiaries to a limited network of providers.________________Kaiser Health News is not affili-ated with Kaiser Permanente in-surance.

Lee Whiteley.

Stuck. The Voice archive.



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COLORADO CROSSWORDS are created exclusively for The Voice by Tony Donovan, who lives in Loveland.

COLORADO CROSSWORDS

ACROSS1. Male admirer6. Diane Fossey subject9. la Poudre River14. Bean variety15. Mantle piece, perhaps16. Came about17. Pindar or Keats18. John in London19. Del ; locale’ on the western edge of the San Luis Valley20. Sleep stage21. Hormel Foods introduced this product in 193723. Hypnotic state25. Remove from a blackboard28. Notorious con man of 19th century Colorado30. Poet’s “eye”32. School in Dallas, briefly34. Throw away35. Compound rich in nitrogen used in fertilizers36. Vail golden girl40. Dust bowl victim who relocated41. Boulder neighbor to the east42. Avalanche leader43. Katherine Ross screamed this name in church44. Some horses46. Tree popular in Colorado landscapes48. Las River50. Gambling mecca near Lake Tahoe53. D-Day vessel, briefly54. Agriculture community in NE Colorado57. Uncle Remus told of a “baby” made of this59. Hotelier Helmsley61. Oscar winner, “12 Years a “62. Senior’s nest egg

63. Enlarged area of a map64. Richest man in America in the 1850’s65. Porky’s place66. Dame

DOWN1. ESPN staple: Center2. More expansive3. Trappers’ trophies4. “A place for everything and everything in place.”5. What the perpetrators of the perfect crime left behind?6. NE Colorado town at the junction of Hwy. 14 and 857. No amateur8. Mills who fought for N. Colorado area as a National Park9. Coal mine early warning system10. Bakery emission11. Book of the New Testament (abbr.)12. He followed FDR13. Wide shoe width22. Home to the Nuggets and Avs: Center24. Pass south of Breckenridge26. Words you don’t want to hear from your travel guide27. “ saw Elba” )(Palindrome finish)28. Belle of the “old West”29. Contents of #15 across31. Forbid33. West of early Hollywood35. Area #51 conveyance36. Unruly group37. Swedish retailer38. Rimes of country music39. President on a C-note44. Mount , one of the “twin peaks” of the front range45. “It’s only of mind.”47. It’s home to BYU49. Grant portrayer on Mary Tyler Moore51. Washington County site between Akron and Yuma52. Community east of #51 down54. Jeff. Davis gp.55. Kidnapped author’s monogram56. Feedbag morsel58. deco60. Brian of British rocks

ANSWERS


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Medicare Part DBy Mary Agnes Carey - Kaiser Health News

Facing heavy bipartisan oppo-sition on Capitol Hill as well as from patient groups, businesses, insurers and others, the Centers for Medicare & Medicaid Services (CMS) said it did not plan to move ahead “at this time” with several proposed changes to the Medicare prescription drug program (Part D). The draft regulation would have wide-ranging impacts on the drug program, including new limits on the number of plans insurers could offer consumers and new rules about what drugs those plans must cover. It also would prohibit exclu-sion of pharmacies from a plan’s “preferred pharmacy network” as long as the pharmacies agreed to the plan’s terms and conditions. Currently, Medicare has six protected drug categories. CMS proposed to eliminate two of those starting in 2015 with antidepres-sant drugs and those that help sup-

press the immune system. The agency also said in the draft rule that it was considering drop-ping protected status for antipsy-chotic drugs in 2016. Lawmakers in both parties and representatives of patient groups pushed back loudly, saying that making those changes could stop patients from getting the drugs they need. Another element of the pro-posed rule would allow insurers to offer no more than two prescrip-tion drug plans – one basic plan and one enhanced – in the same service area. The agency says each region of the country now has on average nearly three dozen plans and reducing that would help give beneficiaries more clarity about the differences among plans. ________________Kaiser Health News is not affili-ated with Kaiser Permanente in-surance.

Can't Buy Insurance? Some people who did not buy health insurance during the Obamacare enrollment period will be surprised to learn that they might not be able to get any insurance until next November’s new enrollment period begins. That’s because many insur-ance companies have decided not to sell any policies until No-vember—to protect their profits. They figure most people wanting new policies now will be older or

soon in need of healthcare. They will not be the younger, healthy people insurance companies want to enroll who will not need immediate care or cost the com-panies money. “If somebody needs insurance in the middle of the year, in some places, they won’t have access to it,” said National Association of Health Underwriters executive Kathryn Gaglione.

Budget Proposal The federal budget plan pro-posed by Rep. Paul Ryan (R-Wis-consin) would repeal Obamacare, change Medicare and Medicaid, reduce taxes for wealthy Ameri-cans, increase military spending, and basically do the same things he proposed when he ran as the vice presidential candidate with Mitt Romney. He would make Medicare a voucher system in which the gov-ernment would provide a fixed

amount of money to Medicare participants; with that, they would buy their own health insurance policies on the open market. Ryan said his proposal would reduce the federal deficit also by eliminating federal arts funds, sell-ing public lands, capping college Pell grants, cutting food stamps, and other things. Several analysts say the budget has little chance of overcoming Democratic objec-tions.


©Selected Events% Fort Collins, Larimer Pioneer Association meeting, May 17 at 11:15 am; program is “First Autos in Fort Collins.” Call for reservations 226.4984. Colorado Heritage Connect meeting May 13, 1:30 pm, at the Avery House in Fort Collins. Email [email protected]. Pain Control Program, June 7, in Longmont and Denver; June 8 in Colorado Springs. Free dem-onstrations of how low-level laser light therapy works for ar-thritis and other pain. Also treats pets with pain. Call 800.303.6923 code 7073 or see www.laserwell-nesspma.com for information. Loveland Rialto Theater, Academy-Award-winning docu-mentary “20 Feet from Star-dom,” May 14. Michael Martin Murphey, best-selling American singer of cowboy music, May 30. Email [email protected]. Greeley Centennial Village historical park, May 24-26, “Cen-tennial Celebration” with stage-

coach rides and entertainment. Free admission days July 25-27 for living history programs. Greeley Museum free programs: “Indian Raids on Roads to Den-ver,” June 6; “The Meeker Mas-sacre,” August 1; and “Hispanic Heritage,” September 5. For in-formation, call 350.9220 or see www.greeleymuseums.com. Loveland Historical Society tour of historic homes, May 3. Downtown walking tour of his-toric sites, May 21. Old Town Ft. Collins walking tour, May 24. Pioneer Trails of northern Colo-rado, bus tour, May 31. Diane Littlefield’s collection of historic Loveland photographs, June 9. Living history performances at Timberlane Farm Museum, June 14. For information, email Sha-ron Danhauer at sadanhaur@gmail,com. Estes Park “Coolest Car Show,” July 4, classics, antiques, and alternative fuel cars. Contact Elaine at [email protected]. .

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By Ron Rutz, Attorney

Q: How do we handle our pets in our Wills?A: Most Wills contain a clause permitting the listing of tangible personal property on a memoran-dum list. Pets can be so designat-ed along with jewelry, furniture, etc. But listing money for their care is not permitted because money is intangible. In the Will, the pets can be left to designated people, along with money to provide for the pets’ care. But since the money is left outright (even if the Will limits the use of the money to the care of the pets), nothing will prevent the recipients from pocketing the money and putting the pets into the pound. A testamentary (Will) trust can be established where the money is put into a trust for the benefit of the pets and managed

by a trustee. The pets can be be-queathed outright. The cost of maintaining the trust, in relation to the usually small amount of money in the trust, often means that a trust does not make finan-cial sense. There are various associa-tions or groups around the coun-try (many devoted to a specific breed) who, for a fee, will take care of pets for their lifetime. A search on the internet will disclo-sure such groups and businesses. The groups then can be evaluat-ed by checking the Better Busi-ness Bureau, the local equivalent of the Human Society, and the Breed Association (where appli-cable).

Attorney Ron Rutz will answer questions sent to [email protected]. Phone 223.8388 in Ft. Collins.

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(Editor’s Note: Wyoming histo-rian Margaret Laybourn wrote

this story.) William Robert Dubois was a renaissance man. At the age of 30, when he was commissioned to design Chey-enne’s historic Plains Hotel, Du-bois was already a veteran of the Spanish American War, a member of the Wyoming legislature and a proven businessman. Born in Chicago in 1879, he studied at the Chicago School of Architecture. In 1907 he su-pervised the construction of St. Mary’s Cathedral in Cheyenne. He realized there were excel-lent opportunities for him in Wy-oming, so he settled here. He fell in love and married Dora Slack,

a Cheyenne girl. The couple had five children. He was fascinated by automo-biles and was often seen in a new model, fishing gear in the rear, heading out to Crow Creek to in-dulge in his favorite pastime. The Plains Hotel was a unique hostelry built to serve travelers at the hub of the transcontinental Union Pacific Railroad. Famous people such as Diamond Jim Brady stopped at the hotel. Besides the Plains Hotel, Du-bois designed the Hynds Building one block west. It was, at the time, a Taj Mahal for Harry P. Hynds, a flamboyant businessman. Among Dubois’ many gov-ernmental commissions were the east and west wings of the Wyo-

ming state capitol and the state Supreme Court building. Also the Albany and Laramie County courthouses and several buildings for the University of Wyoming. He was the architect for one of the most beautiful and imposing buildings in Cheyenne, the white marble Wyoming Consistory. This magnificent structure was destroyed during the post World War II madness that griped Chey-

enne, during which time many of Cheyenne’s historic buildings were demolished. The Consistory was built so strong that the wreck-ing ball bounced off of it, barely making a dent. Dubois also designed residen-tial homes, two of which can be seen on the southwest and north-west corners of Carey Avenue and 28th Street. Works too numerous to mention are his legacy to the state he loved.

Wyoming state capitol building. Wyoming Historical Society.

in cheyenne


SOCIAL SECURITY

By Lauren Eitel On Memorial Day, as we pay trib-ute to the men and women who gave the ultimate sacrifice for our country, we also share some news about So-cial Security disability benefits for veterans with disabilities: a new ex-pedited disability process. We believe it is important to rec-ognize those who currently serve in the military as well as those injured in the line of duty and consider it an honor and a duty to serve them. Whether the injury is physical or mental, getting a decision about So-cial Security disability benefits from your government shouldn’t add to the problems faced by the injured. Carolyn W. Colvin, Acting Commissioner of Social Security, recently unveiled a new initiative to expedite disability applications from veterans with a Department of Veterans Affairs (VA) disability compensation rating of 100 percent Permanent and Total (P&T). Under the new process, Social

Security will treat these veter-ans’ applications as high priority and issue expedited decisions, simi-lar to the way we currently handle disability claims from wounded warriors. “Our veterans have sacrificed so much for our country, and it is only right that we ensure they have timely access to the disability bene-fits they may be eligible for and de-serve,” said Acting Commissioner Colvin. You can learn more about the new expedited process for veter-ans at the following Social Security website address:www.socialsecurity.gov/pressof-fice/pr/2014/expedited-dib-pro-cess2-pr.html.________________Lauren Eitel is the Assistant Dis-trict Manager at the Greeley Social Security office. Email questions to her at [email protected].

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Workers' InsuranceBy Jay Hancock - Kaiser Health News

Big employers are pretty sure they’ll keep offering workers health care coverage. But they seem a lot less sure than they used to be, according to a new survey. Only one large company in four (25%) recently surveyed by Tow-ers Watson and the National Busi-ness Group on Health is confident it will provide medical coverage in a decade. That’s down from 73% in 2007 and 38% in 2010. Much of the doubt reflects “the uncertainty around the long-term implications of the Affordable Care Act,” said Julie Stone, a ben-efits consultant at Towers. While problems with the health law’s online marketplaces ensure most companies don’t see them as an alternative to traditional cover-age anytime soon, she said, “I wouldn’t rule out that in the 5 to 10 year range, if they’re operat-ing more efficiently, certain orga-nizations who don’t view health

benefits as core to their employee value proposition [will] take a dif-ferent approach.” Costs for employer health plans continued to rise slowly compared with those in previous years. But they still went up far more than overall price inflation, adding new burdens to compa-nies as well as employees bearing more and more of the expense. Health-related deductions from worker paychecks have been rising on average by about 5% a year, she said, adding: “Salaries certainly haven’t gone up 5% a year.” Counting premium contribu-tions as well as deductibles and other costs, employees are ex-pected to pay 37 percent of all ex-penses incurred by big-company health plans this year.________________Kaiser Health News is not associ-ated with Kaiser Permanente in-surance.


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Family Health GuideDelaying Generic DrugsThe Federal Trade Commission filed a $1 billion anti-trust lawsuit against several brand-name drug companies for keeping generic drugs off the market, which costs Americans millions in higher drug prices. The companies sim-ply pay generic drug makers not to sell products, said the FTC.Down Syndrome Test A new fetal DNA analysis is 10 times more accurate than the standard blood test for this and often avoids invasive tests like amniocentesis, said a report in the New England Journal of Medi-cine by Dr. Diana Bianchi with Tufts Medical Center. It also re-duces the number of false positive results. But it is expensive.Preventing Infections About 20% of U.S. hospitals do not make hand sanitizers avail-able to staff or emphasize hand

cleaning to prevent the spread of deadly infections that cause over 100,000 deaths annually, said a report in the American Journal of Infection Control by researchers at Columbia University. Pain Drug Zohydro Many health researchers and consumer groups are urging the FDA to cancel approval of this highly potent narcotic. One dose of it could kill a child, said Public Citizen’s Health Research Group. The FDA approved it even though its own advisory committee voted 11 to 2 against its approval. Macular Degeneration An injection of a protein called IL-18 might work as well as the injection currently given directly in the eye, said a report in the journal Science Translational Medicine. But it is in the testing stage.

Hay Fever Pill The FDA has approved Rag-witek, a new pill for relief of rag-weed allergy. It is made by Merck & Co., which is also working on Grastek, a pill for grass pollen al-lergies.Risky Medicines Some common sinus and colds medicines containing both acet-aminophen and phenylephrine might cause tremors, dizziness or high blood pressure, said a report in the New England Journal of Medicine. That includes Tylenol Sinus, Excedrin Sinus Headache, Sudafed PE Sinus, and Benadryl Allergy Plus Sinus. Problems can occur because acetaminophen in-creases the effects of phenyleph-rine.Blood Pressure It should be taken in both arms. If the difference is 10 or more points in the readings, you are at

an increased risk for heart trou-ble, said a report in the American Journal of Medicine. Psoriasis Many dermatologists prescribe corticosteroids like prednisone to treat this skin condition, but they should not because that drug should not be used for psoriasis, said a report in the Journal of Cu-taneous Medicine and Surgery.

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A professor told his class, “In English, a double negative forms a positive. However, in some lan-guages such as Russian, a double negative remains a negative. But there isn’t a single language in which a double positive can ex-press a negative.” A voice from the back of the room said, “Yeah, right.”

A wife told her husband, “Please stop by the grocery store and buy one carton of milk. If they have avocados, get six.” He came home with six cartons of milk, and she said, “Why did you buy six cartons of milk?” “They had avocados.”

A wife told her mother, “Bob and I had another fight. I’m so tired of it, I am coming to live with you.”

Her mother said, “No, dear. He must pay for his behavior. I’ll come live with you.”

A farmer lived on a quiet ru-ral highway. But as time went by, traffic became so heavy and fast that his chickens were being run over at an alarming rate. He called the sheriff’s office and said, “You’ve got to do some-thing about these fast drivers who are killing my chickens.” “What do you want me to do?” asked the sheriff. “Put up a sign to slow them down.” The sheriff had the county put up a sign that said “Slow, School Crossing.” The farmer called again and said, “That sign is not working. They’re still driving fast.” The sheriff put up another

sign that said “Slow, Children at Play.” “Still not working,” said the farmer. “Well, put up your own sign,” said the sheriff. A few weeks went by and no more calls from the farmer. The sheriff drove by to see what sign he put up. It said: “Slow, Nudist Colony.”

In Heaven, God had been gone for six days when the archangel Michael found him resting. “What have you been doing?” asked Michael. “I’ve been creating a planet called Earth. It will be the most beautiful and well balanced plan-et in the universe.” Michael looked down and saw all the varied geology of Earth and was particularly impressed

by one area. “What’s that place with the lovely green fields, majestic riv-ers and glowing sunsets?” he asked. “That’s Maryland. It will be populated by the most intelligent, sensible people on Earth.” “You said something about balance. Where is that?” “Wait till you see the idiots I’m putting next to them in Washing-ton, D.C.”

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Dangerous Bacteria

A common bacteria in our bodies might be turning into a dangerous “group B streptococ-cus” that is resistant to the stron-gest antibiotic drugs, said a re-port in the New England Journal of Medicine. “That’s bad news because it means that yet another antibi-otic weapon is about to become useless,” said researcher Eliza-beth Scott at Simmons College in Boston. About one in four pregnant women carries the Strep B bacteria that can in some cases threaten the life of a newborn infant. The bacteria also causes skin infections in some mature people. “It is another commentary on how our antibiotic resistance is evolving,” said Dr. Connie Park with the Montefiore Medical Center in New York. “This could be a problem in the future.

Stroke Mis-Diagnosed Emergency room doctors often mis-diagnose strokes in women and younger adults, said a report in the journal Diagnosis by Johns Hopkins University researchers. Stroke symptoms such as dizziness and headaches are often diag-nosed as ear infections, migraines, and other problems. About half of the people who were mis-diagnosed returned to the hospital with a stroke within seven days, and more than half of those strokes happened within 48 hours of mis-diagnosis, said researchers. “It’s clear that ER physicians need to be more discerning and vigilant in ruling out stroke even in younger people,” said Dr. David Newman-Toker at Johns Hopkins Researchers looked at the data of more than 180,000 patients in over 1,000 hospitals in the United States.


W ash the windows or enjoy the day with your grandkids?

The Evangelical Lutheran Good Samaritan Society provides housing and services to qualified individuals without regard to race, color, religion, gender, disability, familial status, national origin or other protected statuses according to applicable federal, state or local laws. Some services may be provided by a third party. All faiths or beliefs are welcome. Copyright © 2014 The Evangelical Lutheran Good Samaritan Society. All rights reserved. 14-G0500

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Bonell (Greeley) | Estes Park | Ft. Collins | Fox Run (Greeley) | Loveland | Simla | Water Valley (Windsor)

may 2014

Documents

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