Find out what types of assets make the best planned gifts. Learn about gifts of cash, securities and property.
Bob and Mary Are Giving Smarter and Achieving Their Dreams...Find Out How You Can Too!
Bob and Mary first met at Two-Bit Flicks, a 25-cent movie night held on Fridays in Brighton Lecture Hall. When the spring formal hosted by the women's dorm came around, Mary asked Bob to go with her. It was their first "official" date.
The rest, as the saying goes, is history. Or in Bob and Mary's case, it is natural history. That's because Emporia State also introduced them to a lifelong passion for the natural sciences.
Bob and Mary feel Emporia State was the catalyst for the life they've built together. Mary became a science educator for 6th, 7th, 8th and 9th grade students. Bob founded and served as director of the Great Plains Nature Center and became a renowned nature photographer.
Now they want others to have the same opportunity they did. They want to help students come to ESU and discover a passion they can follow for the rest of their lives.
Bob and Mary found a simple and easy way to achieve this dream. When they set up their trust, they named Emporia State as a beneficiary.
What's your dream?
Learn how easy it is to make your dream a reality by naming Emporia State University in your will or trust. Contact Angela Fullen, Director of Planned Giving at the Emporia State University Foundation. She can answer your questions or help you get started. If you have already named Emporia State in your will or trust, let us know. We will make sure your gift does everything you want it to do.
"I would encourage anyone, if they are thinking about doing something like this, to contact the Foundation. For us, it has been a great experience." - Mary Butel
Getting Started is Easy
Not sure how to take the first step? We've got just the thing you need. Download your free Will and Estate Planning Guide. This guide is an easy way to get started on, or update, your estate plan. It will help you explore your options at your own pace. It's free, easy and yours to keep.
Download your copy today or contact Angela Fullen to request a printed copy.
Choosing the Right Stair Lift
A home stair lift is a great mobility solution for anyone who is unable or has a difficult time climbing stairs. To help you choose a quality stair lift that meets your needs and budget, here are a few shopping tips.
What to Know
There are two basic types of stair lifts that are sold today: straight and curved. The design of your staircase will determine the type of stair lift you will need.
A straight stair lift travels in a straight line up a flight of stairs uninterrupted by landings, bends or curves. Straight stair lifts cost anywhere between $3,500 and $5,500. Prices will vary depending on the length of the staircase, model and added options. Curved stair lifts are much more elaborate and will go around corners, bends and changes in direction. Curved lifts are much more expensive than straight stair lifts, ranging anywhere from $8,500 to $14,000 or more, depending on the complexity of the installation.
Most stair lifts available today have seats, armrests and footplates that fold up for storage. Swivel seats are frequently incorporated, making it easier to get in and out of the chair. They also include standard safety features like seatbelts, braking systems and footrest sensors. The controls, which are typically in the form of push-buttons or rocker-switches, are located on the armrest for easy operation. Additionally, some stair lifts include "call send" controls which allow you to call or send the unit to the other end of the stairs. You should review which features are most important to you and ensure that the lift you select incorporates them.
If you need a stair lift with wider seating and increased weight-bearing capacity you may want to inquire with the company about their availability. If you prefer a raised seating position, ask about the option to modify the seat during the installation process.
Depending on the company, you may have the option to choose between an electric (AC) and a battery powered (DC) stair lift. Electric stair lifts are simpler and more affordable than battery powered units. However, the electric lifts rely on your home's electrical supply. Therefore, in the event of a power outage, electric lifts will stop operating whereas battery powered lifts will continue to operate even when there is a power failure.
Health insurance, including original Medicare, does not cover home stair lifts, but some Medicare Advantage plans may provide some assistance. Medicare may pay for a portion of a lifting device attached to the chair as that is considered durable medical equipment (DME). However, Medicare has specific eligibility criteria for DMEs to qualify for assistance. Alternatively, if you have long-term care insurance it may also cover a portion of the costs. It is important to note that stair lift financial assistance is not available on all plans. Check with your insurance plan provider prior to making any purchase.
If you qualify for Medicaid, many states offer waivers that could help pay for a lift. If you are a veteran, the Veterans Administration (VA) has several grant and benefit programs that may offer assistance. Assistance varies by state, so you should verify with your local Area Agency on Aging to see program availability and eligibility.
To reduce costs, consider purchasing a used or refurbished stair lift model. If you need a stair lift for only a short period of time, renting one could be a viable choice. Most companies offer these options and many offer financing as well.
To get started, you can reach out to stair lift companies which will connect you with a local stair lift dealer in your area. Most dealers will provide free in-home assessments and estimates and can help you choose an appropriate lift.
Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.