Bring your family and friends to join Kommer Bave & Ciccone LLP attorneys Patricia A. Bave, Esq. and Regina Matos, Esq. for a complimentary coffee and chat at 10:00am on November 20th at St. Thomas Episcopal Church Mamaroneck. Patty and Regina will be leading a conversation about Elder Law that will cover a range of questions and concerns. They will be answering questions such as:

• What is elder law?
• What is a power of attorney, and do I need one?
• Should I have a trust or a will?
• What is the difference between Medicare and Medicaid?
• How do I decide between an assisted living or a nursing home?
• What is a guardianship?

For more information on this program, or to register, call (914) 633-7400 or email: jeisele@kbcattorneys.com.

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Patricia A. Bave, Esq., Partner with Kommer Bave & Ciccone LLP, has been invited to participate in ‘Ask the Experts Westchester’ on November 10, 2025 at 12:15pm. Hosted at the James Harmon Community Center in Hastings on Hudson, NY, this fun and interactive lunchtime event is for aging adults looking for more information about estate and elder law planning. The panel features professionals experienced with elder law, financial planning, homecare, nursing homes, assisted living facilities, senior placement, and downsizing.

An Elder Law and Estate Planning Attorney, Patricia has extensive experience in developing comprehensive estate plans specific to her clients’ needs. As part of the Ask the Experts panel, Patricia will answer questions about wills and trust, health care proxies, durable power of attorney, as well as the importance of having an estate plan in place.

For more information on this event, or to register, contact Tiara Brandon from the Caring People at 332-877-6258.

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The 2026 Medicare Open Enrollment Period started on October 15th and ends on December 7th. This open enrollment period allows all people with Medicare to be able to review and update their Medicare health plans and prescription drug coverage to better meet their needs. The changes made during this enrollment period take place effective January 1, 2026.

During The Enrollment Period You Can:

• Join, drop, or switch to another Medicare Advantage Plan (or add or drop drug coverage).
• Switch from Original Medicare to a Medicare Advantage Plan or from a Medicare Advantage Plan to Original Medicare.
• Join a Medicare drug plan if you are in Original Medicare.
• Switch from one Medicare drug plan to another if you are in Original Medicare.

Medicare Parts A, B, C, and D
There are a number of different options to consider when signing up for Medicare. Medicare consists of four major programs:

• Part A covers hospital stays
• Part B covers physician fees
• Part C permits Medicare enrollees to receive their medical care from among a number of delivery options
• Part D covers prescription medications

You become eligible for Medicare Part A at age 65. If you are currently receiving Social Security benefits, you will be automatically enrolled in Medicare Parts A and B effective the month you turn 65. If you do not receive Social Security benefits, then you will need to sign up for Medicare, which automatically enrolls you in Part A. Medicare Part D (an optional coverage offered to everyone with Medicare) helps pay for prescription drugs. Since Medicare generally only covers 80% of your medical costs, it is recommended to obtain a Medigap (or supplemental) policy to cover the remaining percentage.

For more information on Medicare, and to compare plans, visit Medicare.gov.

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Kommer Bave & Ciccone LLP has been fundraising for, and will be participating in, the Westchester Walk to End Alzheimer’s 2025 on October 5th. This walk raises funds to support the local families who are struggling with a family member with the disease, as well as to research efforts towards a cure. One in three seniors dies with Alzheimer’s or another dementia, and in Westchester County, 13.5% of adults 65+ are living with the disease, 2% higher than the national average. Almost all of us know someone whose life has been touched by this disease.

Yet, there is hope. Thanks in part and due to support from past Walks there has been progress:

• Two FDA-approved treatments can now slow the progression of Alzheimer’s in its early stages.
• A new blood test shows promise in aiding earlier and more accurate diagnoses.
• Research has proven that healthy habits — such as exercise, social engagement, and managing chronic conditions — can reduce risk and improve brain health.

For more information on the Walk, visit the Westchester Walk to End Alzheimer’s 2025 website.

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On Sunday, September September 21, 2025, David Zucker from the Alzheimer’s Association Hudson Valley Chapter will speak at St Thomas Church in Mamaroneck about the 10 Warning Signs of Alzheimer’s. During his presentation, David will explain the difference between normal forgetfulness and the early signs of dementia, as well as talk about the new developments in the Alzheimer’s space.

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Kommer Bave & Ciccone LLP is pleased to announce that Regina Matos, Esq. has been selected to be the new Secretary of the New Rochelle Bar Association. On September 10, 2025, Matos will be installed as Secretary during the NRBA Board’s Installation of Officers and Directors Fall Dinner. The New Rochelle Bar Association is a voluntary association of attorneys, law students and legal professionals, of which Regina has been an active participating member for several years, as well as serving as Board Member for the past two years. For more information on the event, visit the New Rochelle Bar Association.

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On Wednesday, April 30th, 2025, the FDNY Special Needs Group will be presenting “Financial and Legal Considerations for Persons with Special Needs.” For more information on this event, and to register, visit fdnyspecialneeds.org.

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On Tuesday, January 21st, The Kensington White Plains will be offering an informative and educational event focused on understanding Aphasia. For more information, and to register, visit thekensingtonwhiteplains.com.

The Medicare Open Enrollment Period started on October 15th and ends on December 7th. This open enrollment period allows all people with Medicare to be able to review and update their Medicare health plans and prescription drug coverage to better meet their needs. The changes made during this enrollment period take place effective January 1, 2025.

During The Enrollment Period You Can:

• Join, drop, or switch to another Medicare Advantage Plan (or add or drop drug coverage).
• Switch from Original Medicare to a Medicare Advantage Plan or from a Medicare Advantage Plan to Original Medicare.
• Join a Medicare drug plan if you are in Original Medicare.
• Switch from one Medicare drug plan to another if you are in Original Medicare.

Medicare Parts A, B, C, and D
There are a number of different options to consider when signing up for Medicare. Medicare consists of four major programs:

• Part A covers hospital stays
• Part B covers physician fees
• Part C permits Medicare enrollees to receive their medical care from among a number of delivery options
• Part D covers prescription medications

You become eligible for Medicare Part A at age 65. If you are currently receiving Social Security benefits, you will be automatically enrolled in Medicare Parts A and B effective the month you turn 65. If you do not receive Social Security benefits, then you will need to sign up for Medicare, which automatically enrolls you in Part A. Medicare Part D (an optional coverage offered to everyone with Medicare) helps pay for prescription drugs. Since Medicare generally only covers 80% of your medical costs, it is recommended to obtain a Medigap (or supplemental) policy to cover the remaining percentage.

For more information on Medicare, and to compare plans, visit Medicare.gov.

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This weekend, the KBC LLP team walked to support the effort to end Alzheimer’s disease and other dementias. It was a beautiful day to get out for an important cause and be part of the huge effort by the Westchester Community to make a difference in this fight.

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