If your parent or loved one is living at home, it is important to take steps to ensure that their surroundings are safe. In home falls are a leading cause of injuries among seniors living alone. As adults age, we start to see an overall decline in vision, balance, and memory. Fortunately, we can make changes to help prevent accidents within the home by creating a safe environment.
As our vision declines with age the risk of tripping and falling rises. Take note of furniture around the home. Are there smaller pieces that can be removed or placed elsewhere within the home? Are there rugs that can easily be tripped on? Clearing obstacles and potential hazards from around the house can help decrease the chances of an accident.
It is also important to check in with seniors about their medications. What are they taking? Are they taking the right dosage and at the right time? If not, one could experience dizziness and loss of balance among other side effects, leading to a fall or accident.
After experiencing a fall in their home, seniors may feel scared and uneasy to start being active again. This inactivity creates other issues such as lack of muscle strength, balance, and at times depression. It is important to encourage seniors to stay active to help prevent other issues from surfacing.
By taking a few of these steps and asking a few questions we can help to lessen the chances of falls in the home for our older loved ones.
Golden Placement Services
Many people are not aware of the various plans available to Medicare beneficiaries. Yes, they all complement Medicare but there are some major differences! Your personal values, finances, and health status determine which plan is the best suited for you, your family, and your lifestyle. It is important to make a wise decision due to the number of rules around changing plans. You could be trapped in a plan you do not like and may be unable to change! Speak to an independent agent for more information.
What is a Medicare Supplement policy?
• A Medicare Supplement policy – or Medigap plan – is a health insurance policy made available through private insurers designed to cover the expenses not covered by Original Medicare. These began in the early 1980s.
• Federal law mandates features and benefits of the various Medicare Supplement (Medigap) policies.
• Benefits are standardized and are the same among private insurers who make this coverage available. Monthly premium price is the only difference between the insurance carriers.
• You can see any health care provider allowed by Medicare.
• You do not need a referral to see a Specialist.
• There is no network; you are free to travel!
• Monthly premiums and plan features for Medicare Supplement (Medigap) plans can vary widely, depending on the type of plan you choose. Depending on your circumstances, you may need certain features that not all the plans offer. For example, some plans offer emergency coverage while you are traveling overseas, while other plans do not.
• Easy to budget! Premiums are entirely predictable so you can make wise financial decisions.
• Often NO billing and paperwork for you to complete at health care providers’ visit or procedure.
• A Medicare Supplement (Medigap) policy only works with Original Medicare. These policies do not work in conjunction with Medicare Advantage, group health insurance plans, or VA/TRICARE benefits.
• Prescription drug coverage is not included with these plans. You may want to purchase a stand-alone Part D Prescription Drug Plan.
What is a Medicare Advantage Plan?
• A Medicare Advantage (MA) plan is a managed care plan offered by health insurance companies, and some hospitals. These plans originated in 2006 due to new legislation regarding Part D, prescription drug laws.
• Monthly premiums start at zero dollars ($0) per month and range up to several hundred dollars per month.
• Come with co-pays and deductibles, with out of pocket maximums up to $6,700 or $10,000 per year.
• Each plan has a specific network of providers.
• Sometimes you can pay more and go outside the network.
• Typically you must have a Primary Care Physician refer you to see a Specialist
• Some come with a Part D, Prescription Drug Plan (PDP); often called a MAPD plan, some do not.
• Harder to budget because of the uncertain amount of co-pays and deductibles. You pay for what you use.
• Often there is billing and paperwork for you to complete at each health care providers’ visit or procedure.
• Growing in popularity due to extra benefits Medicare typically does not pay for such as a fitness center, hearing aids, and routine vision care benefits. More extra benefits are coming in the next year or so!
• Choose plans based upon your geographic location. Plans can be severally limited, or non-existent, in low population density or rural areas.
Whatever you do, learn as much as you can so you make a wise decision for you and your family. Talk with an independent agent who works for you not the insurance company!
Howard Insurance Agency for Seniors
As we age, our experiences change. Some we prepare for while others are completely unexpected. Moments of forgetfulness, muscle weakness or unsteadiness on our feet may begin to appear. Though these slight changes creep up on us there’s one experience many seniors don’t realize has entered their once busy and active life: loneliness.
One slight, but possibly harmful change for our connectedness is the reduction in mobility which can lead to less social interaction. Add to that financial limitations or the inaccessibility of transportation and there is a great risk of isolation. Isolation can lead to mental health problems like depression, anxiety and addictions. Physical ailments have been linked to loneliness too: high blood pressure, sleep disturbances, lack of mental focus and a weakened immune system.
What are some steps we can take to defend against the feelings of loneliness and be healthy well into our senior years?
Build connections by meeting new people: join clubs, go to church, attend a group exercise, take noncredit classes at the local community college to learn about new topics, or volunteer in your community. If you are interested in volunteering, check out VolunteerMatch.org where you can view and sign up for opportunities by age, ability and type of work.
We’re never too old to learn a new trick. Start learning a few now!
Catherine Camp, Senior Placement Specialist
Autumn of Life Senior Housing and Advisory Services
Long-Term Care Insurance provides funds to help you cover long-term care costs in the same manner Health Insurance provides financial coverage for doctor’s visits and hospital bills. However, it is very important to understand that Long-Term Care Insurance and Health Insurance are two distinctly different types of insurance. Health Insurance would likely provide coverage for doctor visits, hospitalization, and maybe even some prescription medicines. But if the individual’s condition progresses to the point where he or she requires long-term care or constant supervision and assistance with daily activities, Health Insurance would likely not provide coverage for that care.
Health insurance was not designed to cover the long-term care expenses for those who may have suffered permanent paralysis from an accident or stroke, developed Alzheimer’s, or perhaps need care as a natural result of aging.
This is where Long-Term Care Insurance comes in. Long-Term Care Insurance has been designed to pick up and provide coverage where Health Insurance leaves off. So in the case where the individual’s condition has progressed to the point where he or she requires assistance carrying out basic activities of daily living (like bathing, eating, toileting, dressing and moving about), Long-Term Care Insurance would provide funds to help cover the insured’s long-term care expenses, in support of any care the family is able to provide.
Those who have purchased Long-Term Care Insurance share that it has also helped them maintain their independence and freedom of choice over how and where their care services are provided. Long-Term Care Insurance can allow you to protect your assets and help ensure that your long-term care needs will not create a physical, financial or emotional burden on your family.
Long-term Care Insurance Specialist
Long-Term Care insurance is based on an individual’s physical and cognitive health at time of application. Each insurance company has different “health standards” which affect eligibility, timing and the price of your insurance policy. A health questionnaire helps a long-term care specialist learn about your unique health history, enabling her to make appropriate policy recommendations. All health information is kept strictly confidential.
A medical diagnosis related to chronic conditions such as Alzheimer’s Disease, Parkinson’s Disease or Multiple Sclerosis, may preclude you from Long-Term Care insurance. Most other conditions such as cancer, heart attack or stroke, are insurable after a period of stability, ranging from 3 month to 2+ years and depends on the severity of the condition and plan of treatment. Sharing your health information with your LTC specialists helps to determine the best product, timing for an application and insurance carrier for you to obtain coverage.
The health questionnaire will be completed in writing at the time of your application for coverage. While not all-inclusive, the following list will give you an idea as to the information you will be asked to provide.
- Age, Height, Weight
- Name of your primary care physician; date and reason for last visit
- Information about current prescription or over-the-counter medications taken routinely including name, dosage and reason prescribed
- Current and previous consultation/treatment history including, in- or out-patient hospitalization, rehabilitation, physical therapy, pending test results, request for additional testing, referral to a specialist
- Personal history of cancer, heart attack, stroke, diabetes or arthritis
- Disclosure of any use of tobacco products
Specific content will depend on the underwriting requirements of your preferred product and insurance provider.
2017 Becky Wehrli LTC
For more information about Long-Term Care Insurance
Contact Becky Wehrli 503-758-5725 or info@BeckyLTC.com
With each passing minute a growing number of our seniors are becoming victims of identity theft. Identity thieves love to prey on older people because they are “sitting ducks”. They are often socially isolated, lonely, tend to be trusting and unprotected. Add early dementia or memory loss to the list and our seniors are the perfect victim profile for an identity thief to prey upon.
The sly tricks a thief uses to attain an elderly person’s social security number, bank account numbers and other financial or personal documents are quite simple. Most of our older population have been living in their homes for years and many have unsecured mailboxes. Stealing mail containing bank and credit card statements, tax information or even rummaging through garbage can lead to an easy creation of a new identity.
Thieves will even go to such lengths as to send mail, some with “official letterhead”, appearing to come from trusted sources such as the victim’s bank, charitable organizations or well-known companies. Almost daily we hear of thieves calling elderly people, pretending to represent charities, associations or their bank or financial institution. Unfortunately, many senior citizens believe that these phone calls are coming from a trusted source.
Knowing that identity theft can happen at any time and in various ways there are a few ways we can all initiate our own crime prevention tactics.
- Never give out personal information over the phone, through mail, or over the internet unless you initiated the contact.
- Shred all financial documents, bank statements, sensitive mail, credit card solicitations, and documents that contain any type of personal information.
- Guard credit cards. Watch sales people, wait staff in restaurants, and anyone who asks for your credit card. Destroy credit cards that are rarely used or unused.
- Don’t allow anyone to copy your driver’s license or similar information. Address and date of birth can be used to get other personal information.
- Get a locked mailbox or post office box.
- Be suspicious of emails asking you to click on link to confirm account or respond to an urgent need. It is safer to ignore the email and contact the company directly if you are unsure.
tor online correspondence for “phishing” e-mails from people asking for help with the promise of financial rewards.
According to the FTC, nine million Americans have their identities stolen each year. It’s impossible to say how many seniors are scammed, or even what percentage of known fraud targets seniors, because they are often too embarrassed or ashamed to let anyone know. There are resources you can use to further protect yourself and your aging loved ones as well as resources to help you know where to get help if identity theft has occurred.
© Catherine Camp – Autumn of Life Senior Housing and Advisory Services
Winter is almost behind us and spring is right around the corner. I don’t know about you, but that always makes me want to start some “spring cleaning.” It seems like there are always projects to do, things that needs to be done.
In fact, when we are helping to care for others it can feel like there are so many things that need to be done. There are projects and tasks to complete and at all the same time, even things to do that we don’t even know need doing. Can you relate?
Often times, getting an answer to even just one question, can help to “make our day,” and even reduce some of the stress we feel. Here are some questions you might have and tools for how you can “spring into action” to find the answer to one or possibly more of your concerns.
* My Mother has been diagnosed with Alzheimer’s. Where can I find support and encouragement? Check out https://www.seniorcareorganizer.com/content/links/ . There are several great books written by authors who have dealt with family members with Alzheimer’s.
* I need to find some local senior care support in my County. This link allows you to put in the zip code to find local resources. http://eldercare.gov/Eldercare.NET/Public/Index.aspx
* My Father lives alone. I keep thinking if he fell, no one would know it. I’ve heard of the emergency pendants, but which one is the right one? Reviews.com has done quite a large review of medical alert systems. http://www.reviews.com/medical-alert-systems/
* My brothers and I have different ideas about whether Mom and Dad can stay in their own home now that they both have medical needs. Is there anyone who can give us some advice? Contact a Geriatric Care Manager. http://www.aginglifecare.org/
* My Mother is 80 years old, in good health, but doesn’t have anyone close by to help her move. Where can I find help? Contact a local Move Manager. http://nasmm.org/
* My Dad was a Veteran. Is help available for long term care for him and Mom? Here are a couple of national groups that can help. http://www.veteranaid.org/ http://www.veteranscarecoordination.com/
* I need to handle my parents’ Social Security. Do I need authorization? How does this work? Become a Representative Payee. https://www.ssa.gov/payee/faqrep.htm
* My Father is definitely having problems with driving. Maybe it’s time for him to give up his license? Check out this Link: http://keepingussafe.org/
* I really should get more organized as it relates to senior care issues. Is there a resource for this? There absolutely is. It comes both as a downloadable interactive PDF and the Notebook version. http://www.seniorcareorganizer.com/.
By Claudia Rumwell, Senior Care Organizer
“You’re going to be new parents! Congratulations!” The joy and excitement of becoming a new parent is a lifetime memory. New parents have at their fingertips limitless resources to help them overcome what they believe are parenting challenges few in the history of the world have ever encountered. From the day we were born our parents lead us to reach milestones, cheering us upon each completion. As time marches on we find ourselves looking more towards our parent’s milestones than our own and the sounds of cheering are often replaced with voices of concern.
As adult children, we begin to notice our parents with their graying hair, deepening wrinkles and other subtle or not so subtle signs of their advancing age. We subconsciously push aside any thought of when milestones ahead are to be reached, often thinking mom and dad have many more years ahead of them before things could take a turn. We avoid setting a firm date for that conversation of when we have to “tell” our parents what we see. Yet, it’s on our mind frequently, “Dad needs to stop driving.” Or “Mom is getting more and more forgetful.”
Inevitably, there will come a time when we can no longer wait for our parents to act on their own. When their safety and well being is at risk and we must step in and become more involved. You may feel alone and think you are one of the few people who has had to deal with such an emotional issue. Preparing for that most intimate of conversations to discuss their future milestones can be overwhelming. Likely, you’ve never been an adult child to an aging parent with elder care issues before. It’s a world you’ve never entered and it can be complex and overwhelming.
You have at your fingertips a remarkable group of professional resources who are experts in helping families prepare, process, and complete the many areas of help needed at various stages of an aging parent’s life. NW Retirement Professionals is there for you. You can come to the family table with solutions, answers and the confidence of knowing these can guide you in one or all of the following areas whether it is for your parents or for yourself:
Organizing and Downsizing
Long Term Insurance
Estate Planning & Elder Law
Medically Based In-Home Care
Personal safety & Health Solutions
Senior Housing Placement
Residential Real Estate
Estate Sales & Appraisal Services
There is so much to figure out and most of us don’t have a clue where to start. NW Retirement Professionals believes that education is the key to successful aging. In addition to providing services we also have designed several educational series to help folks understand and prepare for the issues and decisions they will face as they age. Future issues of this newsletter will arm you with information and resources,so you will be better prepared to face your future aging and support your loved ones.
By Catherine Camp
With one in eight baby boomers expected to develop Alzheimer’s, care giving communities must continue to pursue ways to reach people where they are through music, art, athletics, pet therapy and even the way we use language.
No truer example of how music can touch detached residents than in a YouTube video called, “Old Man In Nursing Home Reacts To Hearing Music From His Era” http://www.youtube.com/watch?v=NKDXuCE7LeQ. (Get ready for the tear ducts to start flowing!) This video has been viewed over an astonishing 6 million times. Obviously, loved ones and care providers are actively engaged in learning more about inspiring therapies as an instrumental addition to their care giving programs.
“Measure of the Heart: Caring for a Parent with Alzheimer’s,” is a memoir by author, broadcaster and former jazz singer, Mary Ellen Geist. She writes she always found a song to sing to her father at the start or the end of his day.
“Music changed everything in the way I was able to communicate with my father,” she said. “It made him come alive. I don’t know how it worked in the brain, but music seemed to cue him to wake up; he would remember verses, sing entire songs. It elevated his mood, but when he was done he didn’t remember what he did.”
We have found that Retirement Communities of every level use music as a part of their regular programing, including Adult Care Homes, which most people are not aware of. The key being “from their era” or “age appropriate” music. The music must mean something to the people hearing it. Won’t it be interesting to see how that changes as the different generations age?
At GPS we always make site visits to facilities prior to showing them to our clients. It’s imperative to provide our client’s with the opportunity to participate in daily activities and interests. We know they can vary greatly from facility to facility and it’s clear to see and compare their offerings. As communities continue to embrace new ways of engaging their residents we look forward to telling you more about who is putting forth such programs.
by Cherie Henry and Diane Delaney of Golden Placement Services at goldenplacements.com