When: July 27, 11:30 AM to 2:00 PM
Where: Delancey Street Restaurant
600 Embarcadero at Brannan, San Francisco

Public transportation is encouraged
MUNI Metro Lines N-Judah and T-Third Street
Limited metered street parking available


OWL-SF is proud to invite Members and friends to dine with us at the restaurant of the Delancey Street Foundation. Lunch is complimentary for Members and one friend.

Consider bringing someone who might be
interested in becoming a Member of OWL-SF!

You must:

  • RSVP no later than July 20, by emailing or calling (415) 712-1695
  • Include the number of people attendin
  • Include menu choices for each person attending—one entree and one dessert
  • If you choose a sandwich as an entree, include your choice of regular or sweet potato fries

Your delicious options are:

(Select one per person.)

(1) Spinach Salad: Feta cheese, bacon, Greek olives, tomatoes, spicy pecans and mint

(2) Grilled Vermont Cheddar Cheese Sandwich
served with regular fries

(3) Grilled Vermont Cheddar Cheese Sandwich
served with sweet potato fries

(4) Grilled or Blackened Chicken Breast Sandwich: 
Lemon cayenne aioli on a Kaiser roll, served with regular fries

(5) Grilled or Blackened Chicken Breast Sandwich: 
Lemon cayenne aioli on a Kaiser roll, served with sweet potato fries

(6) Vegetarian Crepe: Smoked mozzarella, roasted peppers, sliced Portobello mushroom, tomato and basil

(Select one per person)

(A) Warm 3 Ginger Gingerbread with whipped cream, OR

(B) Sweet Potato Pie with whipped cream





Saturday, June 22, 11 AM to 12:30 PM

Latino/Hispanic Room, SF Main Library
100 Larkin Street, Civic Center, San Francisco

Speaker: Stefani Bonigut is a licensed clinical social worker (LCSW) and also has a master’s degree in psychology. She has worked as a family care specialist and educator for the Alzheimer’s Association of California and Northern Nevada for the last 11 years.
Besides an overview of Alzheimer’s Disease and dementia, her presentation will include:

·     Risk factors for dementia and Alzheimer’s Disease
·     Risk reduction
·     Living with dementia, its challenges and rewards

Q and A period to follow
For more information, contact OWL-SF at:

(415) 712-1695, OR


Providing crucial services to elders and people with disabilities

OWL-SF takes a look at the abundant resources
and services available through CLC

Zoom meeting
Saturday, May 25, 11 a.m. to 12:30 p.m.

Speaker: Marie Jobling, Co-Executive Director of the Community Living Campaign, will talk to OWL-SF members about how CLC helps seniors and people with disabilities age in place and thrive at home and in their communities, with services such as:

  • Community Connector program: building networks of neighbors and friends to combat isolation, promote health, increase activity and HAVE FUN—through events, phone calls, workshops, walking groups and more.
  • Computer Training & Access program: free computer classes, tech support, workshops and referrals.
  • SF Reserve: matching older adults and people with disabilities with paid part-time work at local nonprofits and small businesses in San Francisco.
  • The Senior Beat: online journalism to amplify the voices of San Francisco’s older adults. 
  • Information and referrals for crucial resources and services: emergency preparedness, food, elder abuse prevention, awareness and action for social justice, transportation options, healthy aging workshops and resources for those vision and hearing challenges.
Zoom link to follow
For more information, contact OWL-SF at:
(415) 712-1695, OR

Visit OWL-SF May 4 at Community Living Campaign’s NEVER BETTER ELDERS




Saturday, May 4, 2024 from 1 to 4 PM
St. Anne’s of the Sunset

850 Judah St, between 14th and Funston
San Francisco

   Community Living Campaign is bringing together agencies, resources,
services and more for an afternoon of education, social connection, entertainment, and fun!

Keep Learning and Get Hands on Help:

  • Sign up for low cost and free taxi rides with the ETC card!
  • Get hands on tech help!
  • Learn about brain health with UCSF!
  • Prepare for emergencies!
  • Exercise Demos and much more!

Live Music: Community Living Campaign Writers, The Miraloma Ukulele Strummers, SF Youth Circus, Groovetime with MeloB n’ Jen

Participating Agencies: Older Women’s League, Institute on Aging, UCSF, Bay Area Cancer Institute, SF Paratransit, Shanti LAASN Project, Home Match and many other resources and connections.

Location specifics:

Enter on Funston St. side of Moriarty Hall. 
Free Parking at St. Anne’s on Funston St.
MUNI: N Judah, 6 Parnassus, 7 Haight, 44 O’Shaughnessy, 43 Masonic




Tuesday, April 9, 2:30-4 pm

Polk Street Steps of City Hall

(Prior to Laguna Honda Joint Conference Committee Meeting, 4 p.m. at San Francisco Health Commission/SFDPH on Grove and Polk)

Bring signs! We can walk over to the LHH JCC Meeting at 4!

Laguna Honda has been closed to new admissions for 2 years!

How many more months will San Franciscans who need a nursing home bed have to wait?

San Franciscans need this 780 bed safety net long term care facility to resume full operation. Over 40 people at Laguna Honda have been waiting for safe discharge for monthswhere are the services to accommodate them?

Why is no new system of oversight being proposed (over and above SFDPH and the Health Commission) to prevent profound mismanagement of our public nursing home from continuing?

                                  Click HERE for more information.


Women Helping Women
In Ways That Really Make a DifferenceThis will be an in-person meeting!

Saturday,  April 27, 2024, 11AM to 12:30 PM
Richmond Branch Public Library
351 9th Ave, San Francisco, CA 94118

See below for location specifics

Most of us know very little about human trafficking and sexual exploitation.  OWL’s April program sheds some light on the women caught up in its dangerous web, the help available for a way out, and recovery.  Learn about important nonprofit resources and services available, founded by women to help women in San Francisco.
Speaker: Toni Eby—CEO of SF SafeHouse for unhoused women experiencing sexual exploitation—will help us understand the complex struggles of women dealing with these issues, and what we can do to support our sisters on the streets. Among issues she will cover:

  • How sex trafficking, trauma and drugs are intertwined
  • Prevention and support for women at risk
  • Resources for help and recovery

SF SafeHouse, founded by OWL Past President Glenda Hope, operates a residential transitional housing program, as well as the Hope Center, a non-residential outreach center in the Tenderloin. SafeHouse is currently negotiating to acquire a building for permanent supportive housing, making more lifesaving services available to  women.

*  *  *  *  *  *  *  *  *  *  *  *  *  *  *


The Richmond branch of San Francisco Public Library, 351 9th Avenue, is half a block north of Geary Boulevard. The Local 38 MUNI line will take you to 9th and Geary, the Rapid does not stop at 9th, but will take you to either 6th Avenue or Park Presidio–sixth being the closest. The 44 line also stops at 6th and Geary. Street parking is reasonably easy within a two block radius.

All branches of SFPL are wheelchair accessible.

The community meeting room is on the ground floor. If you enter through the 9th Avenue doors, the room is downstairs. If you enter through the 10th Avenue doors, as you do so, the room is to your right.


OWL-SF Meeting March 23, 2024: STRENGTHEN & STRETCH


Saturday, March 23, 11 AM to 12:15
Zoom video and call-in meeting

  • Gentle exercises done sitting or standing
  • Exercises and stretches for daily and at home use
  • No special equipment or abilities needed
  • Fun and easy to do

Coach Kyra returns to OWL to help our members increase balance, build strength, and improve flexibility for mobility and safety at home and out of doors.

For more information:
Call (415) 712-1695, or email


Women and Heart Disease
Zoom meeting
Saturday, February 24, 11 a.m. – 12:30 p.m.

  • Common myths about heart disease
  • Risks and Prevention of heart disease
  • How to tell if you’re having a heart attack
  • What to do if you think you are having a heart attack


Arete Nicholas, R.N. returns to OWL by popular demand after her informative and popular talk on Stroke in October, 2023. Ms Nicholas is a registered nurse with over 25 years of experience in clinical care management, consulting, health education and staff training in both long term care and acute care settings with a specialty in geriatric care management.               

Zoom link to follow
For more information:
Call (415) 712-1695, or email

OWL-SF Meeting (in person) January 27: PREPARE FOR MARCH ELECTIONS

Be Ready to vote on important local matters a
t the Upcoming Presidential Primary Election in March!

In person meeting!

When: Saturday, January 27, 11 AM to 1 PM
Where: SF Main Library, Hispanic Room (lower level)
100 Larkin St., Civic Center, San Francisco CA

“For and Against” Speakers on
Selected S.F. Ballot Measures:


Measure BPolice Officer Staffing Levels and Amending Tax Funding (Charter Amendment)

Measure E: Police Department Policies and Procedures (Ordinance)

Measure F: Illegal Substance Dependence Screening and Treatment for Recipients of City Public Assistance (Ordinance)

Coffee and Refreshments!

The Public and Guests Welcome!

For more information:
Call: 415-712-1695, or email:


OWL-SF is proud to announce the upcoming free, online event hosted by the San Francisco League of Women Voters on January 10 at 6 p.m.: 

                  San Francisco Reparations in Conversation

Want to know what’s next in the plan for reparations in San Francisco? Come to the free online event, Reparations in conversation, to hear from African American Reparations Advisory Committee Chair Eric McDonnell about the plan to support thriving Black communities across the city. The committee has made recommendations for addressing the discrimination that Black residents have historically faced and continue to experience.


The event is hosted by the League of Women Voters of San Francisco with partners including the SF African American Chamber of Commerce; the SF Alumnae Chapter of Delta Sigma Theta Sorority, Incorporated; GLIDE; the National Association for the Advancement of Colored People, SF Branch; and the National Council of Negro Women, Northern California Region.


NAVIGATING THE MEDICARE MAZE – A Detailed, Informative Report

OWL Presentation: Saturday, Sep’t. 23, 2023 11a
Navigating the Medicare/Medi-cal Maze

by Chris Dillon

My professional credentials:
*Licensed Nursing Home Administrator; State and Federal Licensures
*Licensed Residential Care Facility Administrator/State of Ca.
*Certified Eden Alternative Associate: Culture Change facilitator
*Certified Social Services Designee/SNF Level
*Member of the employee/ownership team of Foresight Management Services.
* I ended my career in LTC as a consultant to the Foresight Management
Services buildings statewide.
*Current: District 11 appointee to Disability and Aging Services Advisory Board

My theme: Keep It Simple, Stupid!
Not as easy as it should be in the convoluted world of long term care!

    I. Understanding your care options
    II. Understanding the payor source

Acronyms commonly encountered:
SNF: skilled nursing facility. (medical model of care)
● Licensed through Ca. Dep’t of Public Health (CDPH) &/or Center for
       Medicare and Medicaid Services (CMS)
● Includes: Rehab. Facilities, Sub-acute Facilities, Distinct Part Facilities
(these are special units within SNFs and Acute hospitals which receive higher Medi-cal reimbursment due to severity         of diagnosis and clinical care requirements)
You can learn more about this designation here:
This level of care receives strictly limited/tightly controlled Medicare A Reimbursement.

RCFE: Residential Care Facility for the Elderly

A.L.: Assisted Living Facility

CMS: Center for Medicare and Medicaid Services

CDPH: Ca. Dep’t of Health Services

D.S.S.: Ca. Dep’t of Social Services

    I. RCFE & Assisted Living

Options are rooted in your specific needs
1). This is Custodial Care – not clinical

a). Residential Care for the Elderly
This licensure is not clinical.
It is licensed through the state Dep’t. of Social Services & is a social model.
RCFE inspection/surveys are mandated to be unannounced
and performed annually by Department of Social Services.

b). Assisted Living (AL): these facilities offer assistance with some activities of daily living (ADLs).
              This is custodial care.
The staff member providing the service is not required to be
licensed or certified.

IMPORTANT: these facilities may not administer or assist a resident with actually taking their medications. They may not change dressings or provide wound care, etc.
*They may remind and encourage, but cannot put the med into a residents mouth, administer injections, etc.
*They may contract with a Medicare licensed Home Health Agency to provide preparation and/or administration of meds, wound care, etc.
*Services provided by a licensed home health agency must be ordered by the attending physician and are billed under Medicare Part B.
This link will provide an explanation of assisted living facilities:,well%20as%20much%20larger%20facilities.

The above types of care are not covered by Medicare or Medi-cal. Some ‘Board and Care’ coverage may be provided by SSI assignment.
A board and care is a small home like facility, usually consisting of 6 to 8 beds, many in 2 bed shared rooms. It is licensed as an RCFE.

2). This link will take you to the overview of custodial levels of care.

3). This link will take you the search engine which you can use to research the licensing record for facilities which you may be interested in learning more about:

II. Continuing Care Retirement Community (CCRC)
This designation refers to a spectrum of services including both custodial
and skilled nursing.

1). You can learn about this type of care here:,usually%20for%20a%20resident’s%20lifetime.

a). a caveat: be very careful of this designation at present. Read and understand the contract well, before signing. You may want to consult an elder care attorney. The skilled nursing facility component is changing rapidly at this level of care (LOC)

III. Skilled Nursing Facility (SNF)

A). The majority are licensed through Ca. Dep’t of Public Health (CDPH) &/or Center for Medicare and Medicaid Services (CMS) California licensing and certification is rooted in Ca. Title 22 Federal licensing and certification is rooted in OBRA ‘87
(the nursing home reform act)

1). Includes: Rehab. Facilities, Sub-acute Facilities, Distinct Part Facilities (these are special units within SNFs and Acute hospitals which receive higher Medi-cal reimbursment due to severity of diagnosis and clinical care requirements).
You can learn more about this designation here:

This level of care receives strictly limited/tightly controlled Medicare A Reimbursement. The majority of payment for this LOC is private or Medi-cal.

2). This is a clinical/medical model of care.
a). You must have a physician order to be admitted
*a facility may not admit anyone for whom it cannot provide the mandated quality of life and quality of care. Involuntary discharge from the level of care is almost impossible.
b). Care is rooted in your diagnosis & related physician orders. Care is provided by licensed and certified staff.
c). Assessment of the quality of care is rooted in your resident care plan (RCP) and your progress in attaining the interdisciplinary care plan goals
d). Data is gathered in strictly defined protocols and reviewed a minimum of quarterly or at change of condition.
*the resident &/or the resident’s agent must be included in this review and must approve of their care plan.

2). Medicare will cover a maximum of 100 Part A days in a SNF. To qualify, you must be admitted to an acute facility and remained there for ‘3 midnights’. Be careful: many acutes now hold elders on ‘observation’ for the regulatory capped 2 midnights…if this happens to you, you do not qualify for Medicare Part A coverage in the SNF.
a). Day 1-20 is covered at 100% of the cost, as determined by an assessment system known as the Minimum Data Set (MDS). On day 21 a co-payment of $200 per diem is required.
b). The MDS covers all aspects of the clinical care required. A resident must show measurable progress toward their Resident Care Plan goals in order to be medicare covered. With the exception of some types of G-tube feedings, ostomy care, wound care, etc which require clinical assessment, very few residents qualify for 100 days of coverage.
c). When a resident no longer qualifies, the resident &/or their agent will receive a m-care cut letter 72 hours prior to end of coverage. They have the right to appeal the finding. During the interim of the appeal, they cannot be billed privately. If they lose the appeal, they must then
pay the retroactive amount due.
d). Discharge planning is mandated to begin at the date of admission and be included in the Resident Care Plan.
3). Medi-cal is the major source of funding for most SNFs. At present, it’s re-imbursement rate is beginning to fall below the per diem cost of care.
4). Surveys for this LOC are in the purview of Ca. DPH/Licensing and Certification. They are mandated to be within a 15 month window and unannounced, inc. a certain percentage of which must be launched on the PM or midnight shift.
● CMS may also perform surveys for OBRA ‘87 compliance separately.
so as to confirm the accuracy and objectivity of the state survey process.

Further background information:


LTC cost fact sheet: (this is from CAHF, the for profit nursing home advocacy org.)

Medi-cal overview of costs and eligibility:

Medi-cal well spouse impoverishment program: (there will be significant changes in the program in Jan. 2024. I’ll update the link/info as it evolves).

Licensing Reports:



Resources to assist in making care choices:

You can access the quality of life/quality of care survey outcomes & complaint files for SNFs at this site:
This site is difficult to navigate but contains important information. It is worth visiting and working with to the best of your ability.

You can access the survey outcomes and complaint files for RCFEs at this site:

My preferred resources:

CANHR (California Advocates for Nursing Home Reform): this is an advocacy program which has often taken an adversarial stance toward SNFs. That being said: I’ve collaborated intermittently with the founder, Pat McGuiness, for 30 years. Most recently, I worked on a team led by CANHR, seeking mental health funding for SNFs. We were not successful, sadly. Pat and I respect each other and seek to collaborate, even when we disagree. This organization fills an important role in our complex long term care terrain! This organization can link you to elder care attorneys, as well.

The Long Term Care Ombudsman Program:

This is a federally mandated program which is administered differently in each county in the nation. The ombudsman is essentially a problem solving resource for residents, and their families/friends, in long term care facilities. I found their services indispensable. When tours of our facility occurred, if I was present, I always encouraged the visitors to check in with the ombudsman before making a final choice. They have a different perspective and experience of the nursing homes to which they are assigned and can be an excellent resource.

Legal Services for the elderly:

HICAP: Understanding your health insurance, includingMedicare, Medi-cal, Medicare Advantage Plans, et al. This is an important, invaluable resource:

Information and Referral
Area Agencies on Aging:

For San Francisco residents:

The HUB: this one site will assist you in navigating all aspects of the aging services sector in our city. All I&R personnel and case managers have a minimum of a masters degree in social work or its equivalent. It is easy to access via Muni &/or BART. You can make an appointment or drop in. There is a small parking area.

ADRCs (aging and disability resource centers)
These are ‘mini-HUBs’ scattered throughout the city:

Community Living Campaign (CLC) – Aging in Place programs

OWLSF April 22, 2023 Meeting on Laguna Honda: Video and Additional Resources


— Here is a link to the current Grey Panthers Call to Action on Laguna Honda: Laguna Honda Call to Action April 2023

— Here is a link to a San Francisco Chronicle article about Laguna Honda, published April 13: These 26 ‘original sins’ brought S.F.’s Laguna Honda to the brink of closure

— Here is an article in neighborhood newspaper Westside Observer, published April 10: Root Cause Factors Refute DPH Claims Minimizing LHH’s Violations