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Guest Commentary: Keeping seniors active and engaged Chaska Herald

By Doug Schanzenbach

What are we going to do with all of these old people? I am a leading-edge baby boomer who has spent the last 10 years or so dealing with aging parents, health insurance that isn’t really insurance, and subtle job discrimination.

I have some thoughts about how the city of Chaska can deal with its elderly citizens. By addressing their issues and extending their productivity, it might turn an anticipated drain on the city’s resources into an asset.

Though the city has little power to deal directly with health care issues or job discrimination, it can provide much support for those who still wish to contribute in a meaningful way, such as volunteer opportunities, a safe environment, alternative transportation options, and inclusive housing options.

Here are some thoughts:

Keeping engaged

Old people shouldn’t just hang out with old people. I’ve started to participate in an ongoing “Active Seniors” discussion group at the Senior Center and I enjoy it – but really, most of us have raised kids and have an experience-based sense of how to negotiate all of life’s issues. You shouldn’t need to have relatives and grandchildren in town to be actively included in activities with younger people.

Re: Being Named on Auto Policy

Dear Community,

Hello. I have a question I hope you can answer.

First, the state being considered is New York. I am 21 and have my driver's license. I do not own a car or have any kind of driver's insurance. Our family owns two cars that are both registered under my father's name. The car insurance policy on both cars is under my father's name and lists only himself and my mother. That is to say, I am not listed on the car insurance policy.

Previously, I was at school 200 hundred miles from home with no car, so there was no issue. But now I am at home.

I do not drive the two cars mentioned above without permission from my parents. The only time I drive is when it is absolutely necessary, such as when I bring my sister to school or pick her up. I would say I drive on average twice a month.

Does my father need to explicitly call the car insurance company and have my name listed under his policy? I have spend much time searching the internet and have been unable to find a clear answer.

The New York State DMV only talks about the requirement of having the vehicle insured, and does not specify whether drivers themselves must be listed under a policy.

According to "The Truth About Insurance Website" 's page on Auto insurance, since I am a family member of the named insured (my father), I would be covered under the name insured's policy.
Link:
[http] :// [www]. thetruthaboutinsurance. [com] /auto-insurance-am-i-covered/

What is the consensus? Am I okay given the conditions on when I would drive the car?

Of course, the best method of resolving the issue is to call the car insurance company directly and ask because they need to know such information anyhow, but in all likelihood the premium would go up and our family is in no mood for the bills to increase any further... I got the driver's license for the sake of being able...

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