Medicare pays for many of your health care expenses, but it does not cover all of them. It is important for you to know what Medicare does and does not pay for. This Handbook will help you understand how the Medicare program works and what your benefits are. You can use the alphabetical index at the back of the book to find information on specific subjects. This Handbook is also available in Spanish. (See inside back cover for how to order.)

When your spouse dies, your world changes. You are in mourning-feeling grief and sorrow at the loss. You may feel numb, shocked, and fearful. You may feel guilty for being the one who is still alive. If your spouse died in a nursing home, you may wish that you had been able to care for him or her at home. At some point, you may even feel angry at your spouse for leaving you. All these feelings are normal. There are no rules about how you should feel. There is no right or wrong way to mourn.

One cool fall day, Ellen and Sue were watching their teenagers play soccer when all of a sudden Ellen flushed and seemed to be sweating. Sue asked if Ellen was okay. "Oh, it's a hot flash," Ellen said. "This is happening to me several times a week now-even at night. At first, I didn't know what was going on, but my doctor told me these are symptoms of menopause." Sue laughed and said, "Yes, I remember hot flashes, but they're over now."

No matter how old you are, you need to take care of your teeth and mouth. When your mouth is healthy, you can eat the foods you need for good nutrition. You will also feel better about smiling, talking, and laughing. Teeth are meant to last a lifetime. By taking good care of your teeth and gums, you can protect them for many years.

About one-third of Americans between the ages of 65 and 74 have hearing problems. About half the people who are 85 and older have hearing loss. Whether a hearing loss is small (missing certain sounds) or large (being profoundly deaf), it is a serious concern. If left untreated, problems can get worse.

Lucy is worried. She's lived in the same neighborhood for 50 years, but things seem to be changing. Last week, her friend Rose was walking to the store when a young man ran by and pulled her purse right off her shoulder. Two weeks ago, Joe, the man upstairs, put his grocery bags on the curb while waiting for the bus, and before he knew it, someone had picked up his bags and run off. Lucy feels sad to think she might have to move. She wonders, is anywhere safe for older people anymore?

Emma's family didn't know what to do. Her son put grab bars in the shower. Her daughter brought lunch over every day. The neighbors checked in often. But at 82 Emma needed more help. She wasn't able to manage her medicines, and she was having a regular problem with incontinence. Then she forgot to take her key out of the front door, and she left the water running in the kitchen sink all night. Staying home alone just wasn't working for Emma.

At age 75, Sheila thinks she's a very good driver. And she wanted to stay that way. So she got her eyes and hearing checked to make sure she can see and hear well enough to drive safely. Then she signed up to take a driving course for older drivers at her local automobile club. Will all this effort guarantee Sheila's road safety?