Showing posts with label Medicare. Show all posts
Showing posts with label Medicare. Show all posts

Friday, October 1, 2010

Democrats Trying to Sway Senior Voters


The Associated Press: Democrats, "running scared in an election year," are hopeful that a $250 check - to help seniors afford prescription drugs - will turn the tide of public opinion. "Democrats ... are trying to overcome older people's mistrust of the new health care law, which expands coverage for younger generations by cutting Medicare payments to hospitals and insurers. … Behind the hoopla, the reality is modest.

"The $250 check, for example, is just a fraction of what many people in the prescription coverage gap have to pay. The gap starts after Medicare beneficiaries and their insurance plan have spent $2,830 on medications. Once total spending reaches $6,440, Medicare's catastrophic coverage kicks in, and people pay only a small amount. That means the 'doughnut hole' is $3,610 this year. ... . A previous Congress, led by Republicans, came up with the idea to control costs. It's never been popular" (Alonso-Zaldivar, 8/16).

The Hill reports that administration is acting on other fronts: "Stephanie Cutter, assistant to the president for special projects, took to the White House blog Friday to lambaste Rep. Paul Ryan's proposal to turn Medicare into a voucher program. … 'Under the Ryan plan, the Medicare seniors know and trust would disappear,' Cutter writes. 'In its place, seniors would receive a voucher to buy insurance on the private market.' Ryan argues that the current system, even taking into account the healthcare reform law, is 'on course to collapse'" (Pecquet, 8/14).

In the meantime, outside groups are hoping to bolster Democrats' political fortunes.

Roll Call: "Americans United for Change is dispatching staff and resources to battleground states in what appears to be a shoestring effort to paint Republicans as seeking to destroy Social Security and Medicare. … To prove their claims that Republicans are targeting Social Security and Medicare, Democrats and activist groups like the AUFC cite Wisconsin GOP Rep. Paul Ryan's 'Roadmap for America's Future,' which proposes to overhaul the two programs to ensure they remain solvent without eating up more of the federal budget. ... Republicans contend that Democrats are trying to scare voters" (Drucker, 8/14).

The Seattle Times: In addition, advocacy groups are protesting the presence of lobbyists at the gathering this week of state insurance regulators. "Health-care-reform activists sported surgical gowns and masks as they chanted and handed out packets that offered to 'disinfect' the gathering from a 'lobbyist pandemic.' The packets included soap, a hand wipe, a clothespin and a face mask to protect against 'lobbyist lies ... lobbyist germs ... and lobbyist stench' — underscoring that emotions over health-care reform haven't entirely subsided since President Obama signed a historic reform law in March. … The protest was organized by Washington state Health Care for America Now" (


For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Sunday, September 19, 2010

What is Elder Law?


By George Dickerman

Elder Law involves the legal issues that result as a consequence of the aging process. This is a rather narrow field and can be a little confusing to some senior citizens.

Many seniors have legal problems that are similar to people in their thirties and forties; for example, wrongful termination (employment), bankruptcy, or real estate disputes. Sometimes a potential client calls an elder law attorney to obtain, for example, family law advice regarding a possible divorce. That lawyer explains that family law and divorce issues do not fall under the category of elder law. Elder law pertains to persons who, generally, are 65 years of age or older. Nearly always, the client responds by saying: "But I'm over 65 years old".

Elder law generally involves the following types of legal matters:

Elder financial abuse. Taking advantage of another person's weaker state of mind and wrongfully obtaining their money and property through undue influence, coercion and manipulation. A civil lawsuit is usually filed to recover the property fraudulently taken.

Elder physical neglect. Most often, this concerns nursing homes that fail to properly care for their elderly patients. It can also be caused by in-home caregivers or anyone who has the primary responsibility of caring for an elder.

Estate Planning. This involves the creation of trusts, wills and powers of attorney for financial matters and healthcare decision making. Although these tools should also be utilized by younger people, they are most often created for elder adults at a time when they seek to get their financial affairs in order.

Probate. The probate process enables a decedent's estate to be distributed to loved ones after death. With the proper use of trusts and wills, the probate process may not be necessary. However, if no prior estate planning was accomplished, then it may be necessary to utilize the probate court in order to complete the distribution of assets.

Conservatorships. When proper estate planning documents have not been put into place (for example, powers of attorney), then it may be necessary to establish a conservatorship over the elder's person and/or estate. Court intervention is sought to grant someone the authority to make necessary healthcare and financial decisions for the incapacitated elder.

Medicaid Planning. This area refers to the laws and regulations in most states that determine the guidelines to qualify an elder to receive government benefits to pay the high cost of long term care in a skilled nursing facility. This is a complicated area of law with the goal of having the state pay the monthly nursing home bills and, at the same time, allowing the elder and their spouse to keep as much of their assets as possible so they can pass them on to their loved ones.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Thursday, September 16, 2010

What Is A Coronary Calcium Scan??


What Is a Coronary Calcium Scan?
A coronary calcium scan is a test that can help show whether you have coronary heart disease (CHD), also called coronary artery disease. CHD is the most common type of heart disease in both men and women.

In CHD, a substance called plaque (plak) builds up inside your coronary arteries. These arteries supply your heart muscle with oxygen-rich blood. Plaque is made up of fat, cholesterol, calcium, and other substances found in the blood.

Plaque narrows your coronary arteries and reduces blood flow to your heart muscle. It also makes it more likely that blood clots will form in your coronary arteries. Blood clots can partly or completely block blood flow to part of your heart muscle. This can cause chest pain or discomfort called angina (an-JI-nuh or AN-juh-nuh) or a heart attack.

CHD also can lead to heart failure or arrhythmias (ah-RITH-me-ahs). Heart failure is a condition in which your heart can't pump enough blood to meet your body's needs. Arrhythmias are problems with the rate or rhythm of your heartbeat.

Overview
A coronary calcium scan looks for specks of calcium (called calcifications) in the walls of the coronary arteries. Calcifications are an early sign of CHD. The test can show whether you're at increased risk for a heart attack or other heart problems before other signs and symptoms occur.

Two machines can show calcium in the coronary arteries—electron beam computed tomography (EBCT) and multidetector computed tomography (MDCT). Both use an x-ray machine to make detailed pictures of your heart. Doctors study the pictures to see whether you're at risk for heart problems in the next 2 to 10 years.

A coronary calcium scan is simple and easy for the patient, who lies quietly in the scanner machine for about 10 minutes. The scanner takes pictures of the heart that show whether the coronary arteries have calcifications.

Coronary Calcium Scan

Figure A shows the position of the heart in the body and the location and angle of the coronary calcium scan image. Figure B is the coronary calcium scan image, which shows calcification in a coronary artery.

Outlook
A coronary calcium scan is most useful for people who are at moderate risk for a heart attack. You or your doctor can calculate your 10-year risk using the Risk Assessment Tool from the National Cholesterol Education Program.

People who are at moderate risk have a 10–20 percent chance of having a heart attack within the next 10 years. The coronary calcium scan may help doctors decide who within this group needs treatment.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Wednesday, September 15, 2010

Heart Attack Symptoms Are Different for Women


By Mayo Clinic staff

Typical heart attack symptoms:

Symptom Description

Chest discomfort or pain This discomfort or pain can feel like a tight ache, pressure, fullness or squeezing in the center of your chest lasting more than a few minutes. This discomfort may come and go.

Upper body pain Pain or discomfort may spread beyond your chest to your shoulders, arms, back, neck, teeth or jaw. You may have upper body pain with no chest discomfort.

Stomach pain Pain may extend downward into your abdominal area and may feel like heartburn.

Shortness of breath You may pant for breath or try to take in deep breaths. This often occurs before you develop chest discomfort.

Anxiety You may feel a sense of doom or feel as if you're having a panic attack for no apparent reason.

Lightheadedness You may feel dizzy or feel like you might pass out.

Sweating You may suddenly break into a sweat with cold, clammy skin.

Nausea and vomiting You may feel sick to your stomach or vomit.

Heart attack symptoms vary widely. For instance, you may have only minor chest pain while someone else has excruciating pain.

One thing applies to everyone, though: If you suspect you're having a heart attack, call for emergency medical help immediately. Don't waste time trying to diagnose heart attack symptoms yourself.

Additional heart attack symptoms in women:

Women may have all, none, many or a few of the typical heart attack symptoms. For women, the most common heart attack symptom is still some type of pain, pressure or discomfort in the chest. But women are more likely than are men to also have heart attack symptoms without chest pain, such as:

■Neck, jaw, shoulder, upper back or abdominal discomfort
■Shortness of breath
■Nausea or vomiting
■Abdominal pain or "heartburn"
■Sweating
■Lightheadedness or dizziness
■Unusual or unexplained fatigue

Heart attack symptoms demand emergency help
Most heart attacks begin with much more subtle symptoms — with only mild pain or discomfort. And your symptoms may come and go. Don't be tempted to downplay your symptoms or brush them off as indigestion or anxiety.

Getting heart attack treatment quickly improves your chance of survival and minimizes damage to your heart. Don't "tough out" these symptoms for more than five minutes. Call 911 or other emergency medical services for help. If you don't have access to emergency medical services, have someone drive you to the nearest hospital. Drive yourself only as a last resort, if there are absolutely no other options.


For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Tuesday, September 14, 2010

Alzheimer's Disease: 10 Warning Signs


10 warning signs of Alzheimer's:

Memory loss that disrupts daily life

One of the most common signs of Alzheimer's is memory loss, especially forgetting recently learned information. Others include forgetting important dates or events; asking for the same information over and over; relying on memory aides (e.g., reminder notes or electronic devices) or family members for things they used to handle on their own.
What's a typical age-related change? Sometimes forgetting names or appointments, but remembering them later.

Challenges in planning or solving problems

Some people may experience changes in their ability to develop and follow a plan or work with numbers. They may have trouble following a familiar recipe or keeping track of monthly bills. They may have difficulty concentrating and take much longer to do things than they did before.
What's a typical age-related change? Making occasional errors when balancing a checkbook.

Difficulty completing familiar tasks at home, at work or at leisure

People with Alzheimer's often find it hard to complete daily tasks. Sometimes, people may have trouble driving to a familiar location, managing a budget at work or remembering the rules of a favorite game.
What's a typical age-related change? Occasionally needing help to use the settings on a microwave or to record a television show.

Confusion with time or place

People with Alzheimer's can lose track of dates, seasons and the passage of time. They may have trouble understanding something if it is not happening immediately. Sometimes they may forget where they are or how they got there.
What's a typical age-related change? Getting confused about the day of the week but figuring it out later.

Trouble understanding visual images and spatial relationships

For some people, having vision problems is a sign of Alzheimer's. They may have difficulty reading, judging distance and determining color or contrast. In terms of perception, they may pass a mirror and think someone else is in the room. They may not realize they are the person in the mirror.
What's a typical age-related change? Vision changes related to cataracts.

New problems with words in speaking or writing

People with Alzheimer's may have trouble following or joining a conversation. They may stop in the middle of a conversation and have no idea how to continue or they may repeat themselves. They may struggle with vocabulary, have problems finding the right word or call things by the wrong name (e.g., calling a "watch" a "hand-clock").
What's a typical age-related change? Sometimes having trouble finding the right word.

Misplacing things and losing the ability to retrace steps

A person with Alzheimer's disease may put things in unusual places. They may lose things and be unable to go back over their steps to find them again. Sometimes, they may accuse others of stealing. This may occur more frequently over time.
What's a typical age-related change? Misplacing things from time to time, such as a pair of glasses or the remote control.

Decreased or poor judgment

People with Alzheimer's may experience changes in judgment or decision-making. For example, they may use poor judgment when dealing with money, giving large amounts to telemarketers. They may pay less attention to grooming or keeping themselves clean.
What's a typical age-related change? Making a bad decision once in a while.

Withdrawal from work or social activities

A person with Alzheimer's may start to remove themselves from hobbies, social activities, work projects or sports. They may have trouble keeping up with a favorite sports team or remembering how to complete a favorite hobby. They may also avoid being social because of the changes they have experienced.
What's a typical age-related change? Sometimes feeling weary of work, family and social obligations.

Changes in mood and personality

The mood and personalities of people with Alzheimer's can change. They can become confused, suspicious, depressed, fearful or anxious. They may be easily upset at home, at work, with friends or in places where they are out of their comfort zone.
What's a typical age-related change? Developing very specific ways of doing things and becoming irritable when a routine is disrupted.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Wednesday, September 8, 2010

Scholarships For Seniors Going to College

Most high school students headed for earning a college degree learn to search for scholarships if they need financial aid. However, senior citizens may not realize there are ways they can also cut costs if they would like a college education. here are some good ideas for earning a college degree at any age.

Senior Citizens College Scholarships

Senior citizens can search for college scholarships offered just for them. Some businesses and universities, for example, offer special scholarships for seniors. beyond scholarship money designated for senior citizens, one can look into awards offered to all adults. it is wise to keep in mind that beyond tuition there will be other fees, supplies, and books for which you will need to pay. Often students apply for and are awarded multiple types of money for school.

Discounts and Financial Aid for Mature Adults

Often, public colleges will waive tuition for senior citizens. a number of states have statewide public college tuition waiver programs for senior citizens. Some offer discounts to senior citizens. many community colleges also waive tuition for senior citizens or charge reduced rates. one should also ask about these deals and for life experience degree credits.

Alternative Education ideas for Seniors

If one does not need a college degree, but simply wishes to learn, senior citizens may be able to audit classes for free or at reduced prices. When auditing a class, the student has the choice of taking or not taking exams, writing papers, or doing other class work.

Another choice is taking continuing education classes exclusively for “mature” adults (often 50 and older). these types of classes generally run four to eight weeks and may or may not offer credits. these courses can also be a good way to meet new friends with similar ages and interests.

Many programs for senior citizens are not well known or publicized, so it is always a good idea to call around or search online.

Online Degree Programs and Courses

There are many college and university online bachelors degree programs and other classes available on the web. For Internet-savvy or homebound seniors (or even for those hoping to save on gasoline costs, etc.), this can be a viable option. Scholarships, grants, discounts, college loans, or other financial aid may still apply. Today, complete online bachelor degree programs and graduate degree programs are offered online. When searching for online degree programs, one should find out if the college or university is accredited.

Other Savings ideas for College Courses

Most colleges and universities offer many student services. these may include free or very low cost medical visits and student dental care, free cultural events, childcare, mental health counseling, free advising, and many more services.

Senior citizens wishing to extend their knowledge or skills should try not to let money be a barrier. there are plenty of options for those who do their “homework” to earn a college degree

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Wednesday, September 1, 2010

Baby Boomers: Crushed Retirement Dreams

Those nearing retirement adjust to dashed dreams and diminished portfolios

Randy Kamen Gredinger and her husband, Martin, had big dreams for retirement. The couple had talked about taking a trip around the world or maybe spending time in Asia or Africa.

Then came the market downturn in 2008, which erased 25% of the Gredingers' savings.

With two children in college, their immediate concern turned to cutting costs so that they could cover tuition expenses. “We had the lion's share of college covered before the crash,” Mr. Gredinger said. “Now we don't.”

The Gredingers, both 59 and making six-figure salaries — she's a psychologist and he's a certified public accountant — still plan to retire, but probably later than they had envisioned and well past the customary retirement age of 65. And when they stop working, their travel itinerary probably won't be as extravagant as they had hoped.

“I love what I do, but the challenge for me is coming to grips with the fact that we have to work, rather than thinking of it as a choice,” Ms. Kamen Gredinger said.

The retirement dreams of many baby boomers like the Gredingers were based on having a solid nest egg consisting of ever-appreciating stocks and real estate.

The financial crisis cracked the egg.

And while stocks have made up some of the losses sustained in 2008 and early 2009, and housing values show signs of stabilizing, employment is still sluggish, and it may take a while for many boomers to recover financially and regain the confidence they had as they looked forward to their golden years.

So, boomers are making adjustments.

Forty percent of workers 45-59 now expect to retire later than they did before the market downturn, according to the Center for Retirement Research at Boston College. Most of these workers intend to delay retirement by four or more years.

Fifty-five percent of workers 45-64 are postponing travel, according to a January survey by AARP; 68% are reducing spending on entertainment.

Some are cutting back on necessities — 17% said they are reducing medications. Eight percent have taken on a second job, while 19% have increased the number of hours they work, according to AARP.

“People are really husbanding their resources and trying to save more,” said Alicia Munnell, director of the Center for Retirement Research. “Some are trying to work longer, but unfortunately, the financial crisis was accompanied by a dramatic decline in economic inactivity.”

While the Gredingers have partially replenished their savings, thanks to the market rebound, they also have taken steps to cut expenses.

Mr. Gredinger has encouraged his son to sign up for a work-study program and apply to be a resident adviser so he'll get room and board for free.

Ms. Kamen Gredinger has cut back on her shopping trips. She used to have so many designer shoes that her husband once placed them around the entire exterior of their home, just to make a point. Now if she buys one pair a year, that's a lot, she said, and she won't set foot in Bloomingdale's unless there is a sale going on.

Ms. Kamen Gredinger is also considering doing volunteer work abroad so they could travel at a discount, she said.

For some, postponing retirement is not an option — even if it means living a more frugal lifestyle than they had imagined.

John Buchter, 63, and his wife, Roberta, 65, proceeded with their plans to retire to Savannah, Ga., last year even though it could mean living on a shoestring budget for the rest of their lives.

“My father passed away at 58 and never had an opportunity to retire,” Mr. Buchter said. “So I had retirement in my mind since I was 50.”

The Buchters relocated from Reading, Pa., where Mr. Buchter worked in the steel industry. They chose Savannah because it has a warm climate and they can live there inexpensively.

Today the Buchters are living off the $2,600 a month they get in Social Security payments. They have agreed not to touch Mr. Buchter's 401(k) account for four years in the hope that it gains back the 15% it lost during the market crash.

As a result, the couple is more careful with money. They try to walk rather than drive to save on gas. And they buy generic brands at the grocery store.

“Sure, we would like to be more carefree with money, but I don't miss anything,” Ms. Buchter said.

Financial advisers and experts are worried, however, that many baby boomers, like the Buchters, are tapping into their Social Security accounts too soon.

Forty percent of 62-year-olds eligible for Social Security are taking it, according to AARP.

“Taking Social Security at 62 makes sense for those people who have shorter life spans, but that is not 40% of the population,” said Jean Setzfand, AARP's director of financial security.

Financial advisers said they are spending more time managing baby boomers' expectations.

Michael A. Masiello, a financial adviser with Masiello & Associates Estate and Wealth Preservation Council LLC, is seeing a number of new baby boomer clients who are struggling with how they are going to live off their retirement savings.

“We tell clients what they need to hear, not what they want to hear,” Mr. Masiello said. “I keep a box of Kleenex on the table.”

Many of these investors understand that the notion of retiring at 65 is more the exception than the rule, said Steven Brett, president of Marcum Financial Services LLC, which has $400 million in assets under management.

“Some of them will have to take on third or fourth careers,” he said.

But for those baby boomers who lost their jobs, finding new ones can be challenging.

Larry Benson, 53, was laid off from his job as a graphic designer at SEIU United Healthcare Workers-West in February 2009 after only 11 months.

Before that, he had been a freelancer. Since then, he has been sending out four or five résumés a week — but has been on only one interview.

“I don't know if it's my age or because I am competing against so many people,” Mr. Benson said. As for retirement, he is relying on the value of the house he shares with his partner, Rick Fitzgerald.

They bought the four-bedroom house in Oakland, Calif., for $400,000 in 2001 and figure they could sell it for $500,000 today if they had to.

“I used to think that I would retire when I could still move around — maybe in my mid- to late 50s,” Mr. Benson said. “Now I don't think I will ever retire.”

Mr. Benson isn't alone. Fourteen percent of baby boomers have lost their jobs since the market downturn, according to AARP, and 27% have had their hours or pay cut.

As a result, many baby boomers are cutting out things that could help them save for retirement, experts said. For example, only 27% of baby boomers are consulting financial planners.

“They see it as another expense they have to pay for,” Ms. Setzfand said.

In fact, a number of baby boomers interviewed for this story said they have stopped seeing financial advisers as a result of the market crash.

Doreen Orion, 50, and her husband, Timothy Justice, 52, fired their financial adviser after the market crash and decided to handle their investments themselves.

“Since we did just as badly as everyone else, we wondered why we were paying someone else to do it,” she said.

But some baby boomers, such as the Gredingers, are making a point to check in with their advisers periodically to make sure they can still meet their retirement goals, even if they are not as lofty as they once were.


For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Friday, August 20, 2010

Baby Boomers: Rethink Retriement Costs

by Philo Gabriel

The “Baby Boomer” generation is a colloquial term for those born during the time after World War II when the birth rate increased significantly due to the bulk of the marriage-age males returning from having been away at war, ready to settle down and start a family. Consensus places the starting year for the Baby Boomers at 1946 (nine months after the end of World War II). There is no similar consensus as to when the last Baby Boomers were born, with 1960 and 1964 being the two most common years used as the endpoint.

In any case, now retirement is very much on the Baby Boomer’s minds, and for a number of reasons it’s maybe not looking as rosy as it was a few years ago. Once aging Baby Boomers really sit down and analyze their financial situation in light of the projected costs of retirement, many of them will have reasons for concern.

First, the good news: Baby Boomers will likely live a lot longer. With life expectancy on the rise, after the typical Baby Boomer retires at 65 or 70 or whenever they choose, it’s not as if their life will be at an end or close to it. Most will enjoy many more years of life; many will enjoy multiple decades more of life.

Now, the bad news: Baby Boomers will likely live a lot longer. However many post-retirement years their parents and grandparents needed sufficient funds to cover, it’ll likely be substantially more for the Baby Boomers.

Let’s look at some of the reasons that might be a problem:

1. More years means more living costs

After you retire and no longer have work income, that doesn’t stop your bills. You still have to eat, you still have to keep a roof over your head. And a good portion of that for many seniors will be at assisted living facilities or nursing homes, which are far from cheap.

2. Medical costs go up with age

Medicare is undeniably a godsend for seniors, but it isn’t perfect. It’s not as if seniors never have to pay a penny again for medical treatment once they hit 65. Medical issues can still deal a major financial blow even to those on Medicare, and the older one gets, the more likely one is to suffer from medical problems that are very expensive to fix, or more often very expensive not so much to fix as to survive with a little longer.

3. Social Security won’t cover much

Social Security serves its purpose of keeping (most) seniors out of abject, homelessness-levelpoverty, but if your sole income is Social Security it’s not going to do much more than that.

It’s not that the doomsayers are right who’ve been saying since about five minutes after Social Security was enacted in the 1930s that it’ll be bankrupt right around the corner, that “Social Security won’t even be around by the time I retire anyway.” No, Social Security is so untouchable politically that it’ll be paying out for as long as the present form of government in the United States exists, regardless of what else has to be shuffled around to make that happen. It’ll end when an asteroid strike, or global warming, or a total economic meltdown far worse than the Great Depression wipes away the present economy and system of government, and not a moment before.

It’s not that the Baby Boomers won’t get their Social Security checks; it’s that those checks are pretty paltry, relative to their expenses.

4. Savings have taken a hit

The recent downturn in the economy and major bear market has left many seniors and near-seniors with less savings entering retirement than they anticipated. Exacerbating this is the fact that in this bear market and that of the dot-com bust of 2000-2002, many people worried about their impending retirement scrambled to get out of the market at or near what turned out to be its low point out of fear of it collapsing even further, and thus missed a good portion of the upturns.

5. Inheritance ain’t what it used to be

Once upon a time, Baby Boomers were projected to receive trillions of dollars. (A Columbia University study projected $10.4 trillion.) For the most part that hasn’t materialized.

The reasons are parallel to those facing the Baby Boomers themselves. While the parents and grandparents of the Baby Boomers are not living as long as the Baby Boomers are expected to, they’re living longer than previous generations, and therefore using up a lot more of their net worth on themselves. Furthermore, they too have taken a big hit from the downturn in the economy.

6. You can only work so long

Many people as they approach retirement age assume that as a fallback, they can simply work longer than planned. If they had hoped to retire by 63, maybe that could be set back to 66 or 67. If they had always assumed they’d be retired by 70 at the latest, maybe they’ll just haveto keep getting that paycheck to age 72 or 73 or even 75.

No doubt that will work for some Baby Boomers. They’ll be able to work a few extra years, and if they like what they do they might even be happier than if they had stopped.

But it won’t work for everyone. Aging beats people up, physically and mentally. You might be able to hold down a job in your 60s, maybe your 70s, maybe even beyond. But you might not. You certainly can’t guarantee that you’ll have the energy and the mental sharpness to have a paying job when you’re 78. The age will vary from person to person, but you’ll reach a point when retirement isn’t a matter of choice.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Sunday, August 15, 2010

Alheimer's Disease 2010 Facts & Figures


Alzheimer's Facts and Figures


This report details the escalation of Alzheimer's, which currently impacts over 5 million Americans. Facts and Figures conveys the burden of Alzheimer's and dementia on individuals, families, local and state government and the nation's healthcare system.
Highlights from the report:

African-Americans and Hispanics are at greater risk
Key facts about Alzheimer's disease
Alzheimer facts in each state

The 2010 report includes data on:

Prevalence
Mortality
Costs of Alzheimer care
Caregiving
Special report on race, ethnicity and Alzheimer's disease

View news release

African-Americans and Hispanics are at greater risk
The most significant new information coming from this year's report: African-Americans and Hispanics are at higher risk for developing Alzheimer's. African-Americans are about twice as likely to have Alzheimer's than whites, and Hispanics are about 1.5 times more likely than whites to develop the disease.

Although there appears to be no known genetic factor for these differences, the report examines the impact of health conditions like high blood pressure and diabetes, conditions that are prevalent in the African-American and Hispanic communities and how these conditions also increase Alzheimer risk.

Another interesting aspect explored is the fact that although African-Americans and Hispanics have a higher rate of Alzheimer's and dementia, they are less likely than whites to have a diagnosis. The report examines the implications of this later diagnosis on families and healthcare costs.

Key facts about Alzheimer's disease

5.3 million people have Alzheimer's
172 billion dollars in annual costs
7th leading cause of death
10.9 million unpaid caregivers

Alzheimer's disease mortality is on the rise!

With a rapidly aging baby boomer population, Alzheimer's will continue to impact more lives. From 2000-2006, Alzheimer's disease deaths increased 46.1 percent, while other selected causes of death decreased. Strategic investments in other diseases have resulted in declines in deaths, and we need to see the same type of investment for Alzheimer's. View full report.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Sunday, August 1, 2010

Loss of Smell: Early Parkinson's Warning


It has been revealed that if one experiences a loss of smell, then it may be an early indication of being afflicted with some kind of neurological disorder, including Parkinson’s disease.

It has been reported that the chronic, degenerative neurological disorder, which was discovered by Britain’s Dr. James Parkinson in 1817, affects 100,000 Canadians. It is anticipated that the number of people afflicted with the disease will increase in the next 30 years from 11.6% to 23.6%.

It is reported that across the world an estimated five million people live with Parkinson’s.

The brain cells of that produce a chemical called dopamine cease to function in a person afflicted with Parkinson’s. The disease is debilitating since it impinges on a person’s quality of life and overall health.

A person afflicted with Parkinson’s experiences involuntary trembling, stiff and rigid muscles, stooped posture. They may also undergo a change in facial expression like the absence of blinking. This continuous and fixed expression is alluded to as the Parkinson’s stare.

Researchers are of the belief that if you are afflicted with Parkinson’s you will have an altered sense of smell.

They state, “If we can spot Parkinson’s in its earlier stages, there is much less damage to the brain. The earlier the better means we can stop the deterioration that eventually robs Parkinson patients of a good quality of life”.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Thursday, July 29, 2010

Baby Boomers In The Role Of Caregiver


Except for the years when my father was serving in World War II, my parents were inseparable during their 54-year marriage. Then, 14 years ago, Dad died at the age of 80 of a brain tumor.

My mother, who was just 73 at the time, was pretty much self-sufficient for about a decade after that. She still played tennis, drove her car, and got together with friends and neighbors, including fellow retirees from her years as a kindergarten teacher who met monthly for lunch. After a few years, Mom had a new romantic partner as well.

Then, about four years ago, my sister and I got “the call.” It was the call to which many baby boomers who have an aging parent can relate. Who makes the call can vary. It can come in many forms -- a phone call, a letter, an e-mail, or even someone making a comment. It is that defining moment, that “wake up call” if you will, the one where you can no longer deny that your parent needs help.

Whether the call is from a physician, a sibling, a spouse or romantic partner, a friend, a neighbor or, in some cases, from the police or even the fire department, it is that call that distinguishes the moment when you go from being an adult child to someone who will now have to be the parent to your parent.

Giving Up the Car
For many of us, the first big change in our parents’ independence occurs when it becomes prudent for him or her to stop driving. (See, “Seniors in More Severe Auto Crashes Than Younger Drivers” which reports on a study conducted at Kansas State that analyzed the driving patterns of those aged 65 and over.

Parents who live in an urban setting, where driving was rarely an issue, may find it has become more difficult for them to take public transportation because of diminished mobility or increased feelings of insecurity around strangers. It is often left to the Boomer to help his or her parents to get around. And that’s just the beginning.

Seek Out Help
If you find yourself becoming your parents’ caregiver, it may be useful to invest some time and money in meeting with an eldercare or geriatric manager or counselor. They can guide your parent or you through the world of senior care that you and your parent or parents are now entering.

Linda A. Ziac, president of the Caregiver Resource Center, has been working in the eldercare field for 35 years. She emphasizes that “no two situations are the same.” Ziac gets calls from adult children who are trying to get things in place but their parent refuses to talk about it, as well as “calls from seniors from 60 to 90 saying that they want to explore help for themselves.”

You can find a local eldercare manager or counselor the same way you would find any trusted professional: ask friends, your own physician, or senior services in your own or your parents’ community for referrals. Then perform due diligence checking out their credentials, testimonials, or websites. Usually there is an initial consultation for a fee and if additional services are requested, you would negotiate with the eldercare specialist what assistance will be needed and what it will cost.

Becoming Your Parents’ Advocate
One of the best gifts you can give to your aging parent or parents is to become their advocate. This is especially important if a parent starts to have a diminished capacity and can no longer deal with such everyday activities as walking, feeding or dressing oneself, making phone calls, or cooking.

As eldercare counselor Ziac points out, there is a big difference between being your parents’ advocate and helping and taking over in a way that makes the parent feel worse. Ziac says, “There has to be a conversation between the senior and the family to honor the wishes of the senior. They can’t just come in and dictate what the right thing is to do.”

Even if the final decision about what your parent wants to do is up to him or her, you can still help by doing some research. For example, if your parent has vision challenges such as macular degeneration, you can explore if there are free services for the visually impaired in your community. Volunteers may be available to read to your parent on a regular basis for one to two hours a week.

As long as your parent is still self-sufficient and able to get to the programs and participate in activities, or has a caregiver to help out as needed, you can explore senior centers in your parents’ community to see what she or he might want to participate in.

Getting a Geriatric Assessment
If you suspect that your parent has Alzheimer’s or another kind of dementia, you might want to get a detailed geriatric assessment through a hospital or a neurologist. This will give you a starting point of how your parent is currently functioning as well as suggestions about what medical or social services your parent would benefit from. One such program is run by the Center for Healthy Aging at Greenwich Hospital in Greenwich, Connecticut.

The assessment is conducted by the Geriatric Health Team which consists of a geriatrician, who is a physician, board certified in geriatric medicine, a geriatric nurse practitioner, a pharmacist, a gerontologist, and a social services liaison. (Your parent would first be seen and evaluated by an internist who would make the determination that your parent should be referred to a neurologist or geriatric assessment center.)

Housing and Caregiver Considerations
Author Mike Campbell has spent more than 18 years in the senior housing and care industry including visiting hundreds of nursing homes or assistant living residences on behalf of his former employers. He also comes to this topic from a personal perspective. Campbell and his siblings, all of whom live in Ohio, and his mother, who is 81 and living in Florida, are deciding where she should live since her second husband died. (Campbell’s father died suddenly at age 57 of a heart attack.)

In his book, When Mom and Dad Need Help, Campbell identifies nine basic housing options that seniors and their Boomer children need to consider:

(1) parents moving in and living with you;
(2) adult day services, a community-based option, with your parent still living in their same home;
(3) home care services, while still in the same home;
(4) moving to an independent community with supportive services;
(5) assisted living communities;
(6) stand-alone Alzheimer’s dementia communities;
(7) nursing care facilities;
(8) Continuing Care Retirement Communities (CCRCs)which offer all of these levels of care on one single campus; and
(9) hospice, the final option.

Campbell says there are pluses and minuses for each option. One concern is cost but another key factor is the staff. According to Campbell, “You want to have “adequate staff and adequate training.”

In assisted living and nursing care residences, the recommended maximum staff to resident ratio varies depending upon the shift. For the morning (7 a.m. to 3 p.m.) shift, Campbell suggests that the maximum assisted living ratio should be 10 residents to one direct care staff. In a nursing home, Campbell’s maximum recommended ratio is 5 direct care staff to one resident.

In addition to finding out the staffing ratio, you and your parent will also want to tour any residences that your parent is considering. Here are some questions you want answered:

• What is the ambiance of the residence?
• Are activity rooms in use?
• What is the dining area like?
• Is the food up to the standards that you and your parent were expecting?
• What will this residential option cost?
• Are there any additional fees beyond the daily room rate and meal charges that you should know about such as charges for various types of assistance, from administering medications to escorting to meals or activities, as well as any one-time or recurring activity fees?
• How long is the lease and what, if anything is the obligation for payment of the monthly rent if there is an extended hospitalization or death that requires breaking the lease?
• How friendly are the staff and fellow residents?
• Is there an emergency system in place if your parent falls and can’t get to the phone such as pull cords in the apartments that connect to the front desk or to 911?

Legal Issues
Hopefully your parents will have already taken care of the major legal issues such as having an irrevocable or revocable trust, a will, a durable power of attorney, and a health care directive. (See “A Legal Wake Up Call for Boomers” for a discussion of these key legal concerns.) You should look at these legal and estate issues from your parents’ perspective. It may be helpful to consult with the family attorney or an elder care attorney on these matters.

As Carolyn L. Rosenblatt, who was a nurse for 10 years, a lawyer for 30 years, and who is now an elder care advisor and author of The Boomer’s Guide to Aging Parents, says, “Everyone needs to have a durable power of attorney for finances and a health care directive for health.”

Everyone Ages Differently, On Their Own Timetable
At the assisted living residence where Mom now lives, there is a petite healthy woman who is 103 years old. Everyone points to that woman as a role model of aging. On the one hand, it is very comforting to know that someone could be 103 and still be in excellent shape, walking on her own, and needing minimal assistance with everyday self-care.

But, on the other hand, it is a false standard by which all others are compared. For one thing I have learned most about aging is that there is a very wide disparity in how or when someone loses their mobility, develops dementia, suffers from chronic pain, arthritis, or contracts life threatening diseases like heart disease or cancer. Therefore, it’s important to keep the focus on the abilities and challenges of each senior rather than making him or her feel unfairly compared to someone else who seems to be faring much better even at a more advanced chronological age.

I have also learned that seniors deal with the changes they are going through in unique ways. Some become very angry and resentful, looking back at the way things were; others are accepting and positive. Excessive and ongoing depression and sadness in seniors, however, is not necessarily a normal part of aging; it is treatable. If your parent is showing signs of chronic depression, seek out a geriatric social worker or counselor, psychologist, or psychiatrist for help. (See “Depression Not a Normal Part of Aging” by Fred Cicetti).

Meeting Your Aging Parents’ New Relationships
As your parents’ life changes, they may also be forming new friendships or even romantic relationships, which may be an adjustment for you. For example, 49-year-old Brenda, whose mother died suddenly in 2008 after 51 years of marriage, said it was a challenge dealing with a new stepmother for her and her siblings.

“It wasn’t a few weeks before my father was looking for a new wife,” said Brenda, “and he was quite open about his desires, even before my mother’s funeral. He did not want to be alone and he was going to make sure that was not the case for the rest of his life. Within five months, he was online dating, and he quickly found someone who looked exactly like my mother. It was comforting and disturbing all at the same time. Within 17 months, he was remarried. All has gone well with the marriage, however a couple of my siblings have had great difficulty with the transition to having a stepmother.”

Health Care Issues
Coping with the myriad of healthcare issues is a large part of the aging process and can take a lot of time and attention. Although some parents will be fit and self-sufficient even into their 90s or beyond, others will have one or more health concerns that require your time.

With the advancement in medicine today, conditions that seemed a part of aging that just had to be endured are now treatable even if not curable. For example, there are medications that internists can prescribe for incontinence; urologists may even have additional treatment suggestions including surgical procedures, to minimize or eliminate this as a health care issue. Research advances in treating any number of age-related health care problems, such as macular degeneration, dementia, arthritis, depression, or hearing loss. You may also want to find local or even out-of-state experts who can help.

How Are They Going to Pay?
As elder care advisor and lawyer Rosenblatt points out, “One of the biggest problems we have as Boomers is that many parents did not plan on living this long and have outlived their money.” That leaves the question, how is your parent going to pay for their care?

You may want to hire an elder care attorney or specialist with whom you can have a family meeting to weigh the various options. If your parents got long term care insurance in their 50s or 60s, that is one possible option; if they are already in their 70s or 80s or older, it is probably too late to buy such insurance. Since your parents are over 65, they will have Medicare, but Medicare may not pick up all the healthcare expenses.

Your parent might want to look into the feasibility of buying “gap” insurance which covers some or all of the difference between what healthcare costs are reimbursed by Medicare and the actual costs. (Because of the recently-passed health care reform bill, you may want to check with an elder care expert about what is changing for senior healthcare.)

If your parent needs to go into a nursing home, or if you need a nurse to care for your parent in his or her home, you might want to find out if your parent is eligible for Medicaid to cover some or all of the costs. Since this is an extensive requirement and application process that varies from state to state, you might want to hire an elder care attorney to help your parent with this.

Acceptance and Perspective
Recently I asked my mother, who now needs continual care since she has mobility, vision, and memory issues, if her situation is hard on her. “No,” she answered, much to my surprise. “That’s good to hear,” I replied with relief. Then she continued, with absolute clarity and certainty, “It makes me feel loved.”

I learned so much in that exchange with my mother. I was looking at her situation as an outsider rather than as the one who has resigned herself to the walking and memory challenges that are part of my mother’s new world. I also did not understand that she views her situation from a very different perspective than I do. I am a “young” 61-year-old. My mother’s world is now mostly made up of other seniors with physical and mental challenges of their own who are in their 70s, 80s, 90s, and beyond.

Caring For Ourselves
We Boomers also have to remember that it’s okay to turn to other family members, romantic partners, friends, or even local support groups if we need help in our caregiver role. (See “Managing the Stress: Tips for the Caregiver” at the AARP website.

It Will Never Happen To Me!
I try hard to make time for Mom by visiting her regularly and calling often. I like to think that I won’t be so dependent on my children when I am that age. Not me! I jokingly tell my sons, who are now ages 20 and 24, that when their father and I are in our late 80s, we’ll be traveling around the world in a hot air balloon, joyfully independent and healthy.

However, deep down inside I can hear a little voice telling me that my mother and every other senior dealing with the tough physical and mental challenges of growing old probably had that same dream and hope when they were my age. It is a reminder to live our dreams as fully as possible while we still can because aging and all that entails is happening to all of us.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Tuesday, July 27, 2010

PELOSI: GOP Used Fear 2 Fight Healthcare Reform


Pelosi: GOP used fear to turn elderly against health care bill

House Speaker Nancy Pelosi said Monday that Republicans used a ‘campaign of fear’ to get senior citizens to oppose health care reform.
(CNN) – Republicans used a "campaign of fear" based on false information to get senior citizens to oppose health care reform, House Speaker Nancy Pelosi said Monday.

In response to questions at a news conference in her home district in San Francisco, California, Pelosi accused Republicans of spreading misinformation against Democratic health care legislation backed by President Barack Obama, who made the issue his top domestic priority.

"There was a campaign of fear that was launched (at senior citizens) as soon as the president was elected," Pelosi said.

The reform plan includes cutting the costs of Medicare, the government-run health plan for seniors, by about $500 billion.


During months of debate on the health care bill signed into law last week by Obama, Republicans repeatedly said it was impossible to cut Medicare costs by such a large amount without reducing benefits.

Obama and Democrats say the Medicare cuts involve eliminating wasteful spending and fraud.

On Monday, Pelosi called the Medicare cost reductions "essential" to health care reform, and said Republican claims the bill would cut benefits for the elderly are "truly false."

Polls show the American public remains sharply divided over the health care issue. Pelosi said she believes polls in coming months will show more support for the bill as the public learns more about it.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Thursday, July 22, 2010

Long Term Care Insurance Examined


Planning For Your Long-Term Care Needs

Preretirees and retirees are still feeling the economic pinch. With individuals' assets still trying to recover from market downturns, planning for the costs associated with long-term care is increasingly important.

According to the 2009 MetLife Long-Term Care IQ Survey, fewer than half (45 percent) of those surveyed were aware that one in five American households care for an adult family member or loved one. A majority of respondents were also unaware that most long-term care services are received at home, and a small minority (9 percent) of respondents are taking action to protect themselves from potentially significant long-term care expenses with long-term care insurance. The need for long-term care can happen at any time, not just when an individual ages.

The misconceptions surrounding long-term care can have costly implications in the future. According to the 2009 MetLife Market Survey of Nursing Home, Assisted Living, Adult Day Services, and Home Care Costs, the national average annual rate for home health aides increased 5 percent, to $27,300 per year in 2009, and the costs for a semiprivate room in a nursing home increased to $72,270 per year in 2009.

These statistics are startling when you consider the chances that as longevity increases, so might the risk that individuals will suffer a major health event requiring long-term care. According to the December 2009 data from the U.S. Bureau of Economic Analysis, national savings rates are low. The average American is not likely to have money readily available to cover the tens of thousands of dollars it can cost each year for long-term care, according to the MetLife study. As a result, the average American could find the retirement savings they worked so hard for quickly eroded.

Long-term care insurance (LTCI) is one way that individuals can help protect themselves and their loved ones against the financial impact of long-term care. Unfortunately, many consumers do not fully understand the need to prepare for such an expense and are unable to identify the types of insurance programs that will pay for long-term care.

About LTCI

LTCI is designed to help pay for long-term care services if an individual needs them. Depending on the type of policy and coverage selected, this insurance can provide coverage for care in various settings, including an individual's home, adult day care center, assisted living facility and nursing home.

Long-term care can also have emotional costs that are more difficult to calculate, especially when it comes to the impact on family members. The responsibility of caring for an aging spouse or parent can create stress for the entire family. In the case of multiple children caring for a parent, it is not uncommon for one child to take the lead role in providing care. This tends to impact the family dynamic and has the potential to create tension in relationships among siblings, between parents and children and, in some cases, the grandchildren. One solution to this is getting private care. While such care can alleviate the stress on a family, it comes at a cost, which can be covered by long-term care insurance.

When To Start

There is no time like the present for establishing a plan to help protect yourself and your family against the cost of long-term care services. Consider the following about long-term care insurance:

• Age is a factor in determining LTCI premiums--the younger someone is when he or she purchases LTCI, the lower his or her premium can be.

• LTCI can give peace of mind, ensuring you won't become a financial or emotional burden on your loved ones.

• You spend your life saving for retirement, and LTCI is a key way to help protect those savings if you need long-term care at some point in your life.

• Everyone strives to lead a long and healthy life, but living longer can increase your chances of needing long-term care services--make sure you are able to enjoy your long life with the proper protection.

It is important for individuals to not only consider their own future care needs but that of their spouse or significant other. While a healthy spouse may be able to provide some level of care without any outside support, providing care over an extended period can take a toll. At some point, the spouse may not be able to provide the necessary care or may also need long-term care.

In addition, individuals should consider the future care needs of their parents. LTCI can help alleviate the financial and physical burden of caring for aging parents while at the same time raising children yourself.

It is important to purchase LTCI from a company that is stable and financially sound and that also has a history of providing this type of insurance. Individuals may not need to use the benefits from their LTCI policy for 10 to 20 years or more after purchasing it, so it is essential that they have confidence that the company they purchase from will be there for them in the future.

To learn more about long-term care insurance, speak with an insurance agent or financial adviser.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Sunday, July 18, 2010

Adult Day Care: We Really Need It



Adult Day Programs: A Reprieve for Families and the Elderly
By PAULA SPAN
The other morning, I stopped by Senior Care, an adult day program near my home in Montclair, N.J. Things were hopping, as usual.

In one room, a self-defense instructor was showing participants how to throw a would-be mugger off balance. “I want you to put the cane around my leg and pull,” he urged — and one by one, with a few self-conscious giggles, his elderly students did. “Pull hard. Just like that! One more time.”

A few doors down, a dozen people were drawing with pastels in the crafts room. The walkers in the Mile Around Club were beginning their third circuit along the building’s hallways. In the dining room, meanwhile, workers were setting up a hot meat loaf lunch.

Though almost 4,000 such programs around the country serve older adults who are frail, isolated, chronically ill or demented, I still think these adult day centers constitute one of the better-kept secrets in elder care.

People who might otherwise sit home alone with the remote, or who might move into a facility because they can’t stay home alone, instead spend several days a week being active, social, stimulated, well nourished and — at health-oriented adult day programs like this one — monitored by nurses. At the end of the day, though, the participants go home to familiar surroundings, and the centers often provide the vans that take them there.

The programs don’t come cheap, at a national average of $67 a day [pdf], but they’re dramatically less expensive than moving into assisted living or hiring home care.

I’ve heard heartfelt testimonials to their importance from weary family members trying to keep their ailing relatives out of nursing homes while also struggling to hold onto their own jobs.

“It gives me peace of mind,” said one woman whose 85-year-old mother with Parkinson’s disease goes to Senior Care three days a week. Adult day programs, the research shows, reduces caregivers’ stress. They also suffer less depression and anger, and report greater overall well-being. (Some key findings from researchers at Penn State are here [pdf].)

What’s been less clear is what adult day services do for the people who attend. A team at the University of California, San Francisco, Institute on Aging, which took the somewhat novel approach of asking the participants themselves, recently published a study in The Gerontologist showing significant benefits. “Their quality of life improved dramatically,” said the lead researcher, Eva Schmitt, now associate director of the Aging Brain Center at Hebrew SeniorLife in greater Boston.

The researchers measured how participants assessed their health and social functioning when they first enrolled in programs around the Bay Area, then again six months later and a year later, compared with a control group.

Because participants typically have multiple chronic conditions, Dr. Schmitt said, “We can’t necessarily assume their health will improve over time.” Instead, this study of 57 people (average age: 77) focused on how well people thought they coped with their limitations and whether their quality of life improved despite them.

The answer from participants, who attended at least two days a week, was clear. “They felt the impact of their dysfunctions, physical and emotional, was lower when they attended adult day,” Dr. Schmitt said. (Some other aspects of their lives were not affected.) “In the control group, people actually felt the impact of their problems on their lives increased.”

It’s a small but important study — and a timely one. Adult day programs across the country rely heavily on funding from county, state and federal governments, and on grants from local charities and social service agencies. At the nonprofit Senior Care in Montclair, for instance, nearly 70 percent of participants receive some kind of financial assistance.

All these funding sources are shrinking as government revenues and private endowments plummet. Adult day centers in many states are limiting attendance days or cutting enrollment; a few have closed their doors altogether. Senior Care, running a deficit, first tried to sell the airy facility it built just five years ago. That didn’t happen, so the program is being acquired by a for-profit health care company.

“About 20 percent of the seniors we care for will have to find alternative sources of financial aid,” said Emma Justice, Senior Care’s beleaguered marketing director.

Dr. Schmitt said, “I hope very acutely that our findings will help convince lawmakers not to make big cuts in adult day services.”

Well, that would be nice. A couple of years ago, adult day directors probably would have said their biggest problem was letting families know that they existed, that they could accommodate old people (and sometimes, younger disabled adults) with many kinds of physical and cognitive problems, and that they could often come up with grants to lower the costs.

Now, despite mounting evidence that they help those on both sides of the caregiving equation, they’re just trying to stay afloat.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Thursday, July 15, 2010

The Reality of Facility Placement for Seniors


It always makes me sad to hear the families of an elder say Mom made me promise to never put her in a nursing home. That is simply a promise that most families today cannot keep. If a caring son or daughter finds that they have to break that promise, they may feel guilty for the rest of their lives. Mom probably asked for that promise because the nursing homes she remembers were dark, institutional places which would be considered substandard in America today. Todays family structure and the financial challenges of elder care, make facility living a very common choice. When an elder shows signs of not being able to perform the basic activities of daily living, families or concerned professionals must step in. It is actually against most state laws for a professional to be aware of an elder in trouble without taking some reasonable action to secure their safety. There are many indicators that an elder is no longer safe at home alone. The basic litmus test is to ask yourself is: Could this person save him or herself if their home were on fire? Would they be able to call 911 and communicate their exact location? If left alone for any period of time are they at risk for physical abuse or financial exploitation? Do they have the skills and resources to meet their daily hygiene and nutritional needs? The answer is NO for many American elders who live home alone.

Independence vs. Isolation

Many of my elderly clients who were trying so hard to maintain their independence by living alone at home actually maintained nothing more than an isolated existence punctuated by the occasionally call or visit from friends and family. This type of isolation was also coupled with medication errors or abuse, self neglect and unsanitary housekeeping. A person living in this situation will often bloom like a flower in the right retirement facility environment. It is amazing what three hot meals a days, social interaction, clean sheets and regular administration of medications can do for a persons mind, body and spirit. A person who lives alone is more likely to fall and lay alone on the floor for days without being found. A person, who lives alone may make poor choices such as keeping, (or worse,) spoiled food in the refrigerator. If a person lives alone, there are many signs of illness that no one will notice during sporadic short visits. Medical appointments may be missed and prescriptions left unfilled. Many people feel that they are honoring their aging loved one by letting them live alone, even though all the tell tale signs of self neglect are apparent. There is no honor or dignity in being found on the floor after one has laid in their own excrement for three days. Unfortunately, many families will wait for this type of incident before insisting on either home health care or facility placement. If an elder is physically or verbally abusive to family and care givers, they are much more likely to be left alone to make their own decisions, regardless of how dysfunctional their situation may be. Elders with difficult personalities are many times more likely to be abused by caregivers. They need more supervision, not less.

American Family Dynamics and the Pressures of Todays World

I hear people say Americans dont take care of their elders like other countries do. Well that is not my experience. The adult children who consult with Geriatric Care Manager or other eldercare professionals are very concerned about their parents. They love them and they want the best care their money can buy. Thats the clincher: what their money can buy. In America, caregivers, maids, etc,, are expensive. Perhaps in another country where slave labor is commonplace, people can afford plenty of care. But in this country it costs $12.00 per hour (or more) for a home health aide. At eight hours per day, that is $96.00 per day. That is $2,880 per month or $34,560 per year more than the average working American earns per year. The average woman gets a social security check of less than $500.00 per month. Do the math and you will soon see that unless you are wealthy, many people cannot afford to keep their elders in their own home with a part time caregiver or even in their childrens home with a caregiver.

Now couple this financial problem with another very real problem. Most middle income women in their fifties, who are caring for their elderly parents, are also trying to hold down a job, help their young-adult children and maintain a marriage. If a middle income woman stops working to care for her parents, she and her husband either cannot pay their bills or they must significantly reduce their standard of living. I know a few husbands who are fifty-something and feel they have worked too hard and too long to have their dreams of retirement evaporate because someone elses needs are suddenly more important than their own. Now that Americans have come to grips with the concept that it takes two incomes to live well in this country, they are more determined than ever to have a retirement. Paying $35,000 per year for a caregiver can take a huge chunk out of the retirement savings. Frankly, most people couldnt afford to do it even if they wanted to. Because most Americans net worth is in the equity of their home, selling the family home is the most common way to finance elder care services. If the family home sells for $100,000.00 and the average cost of an Assisted Living Residence is $36,000.00 per year, an elder can afford to live in that Assisted Living for 2.7 years. Coincidently, the average amount of time a person lives in an Assisted Living before moving on to a nursing home is 2.5 years.

Many adult children, who do have the desire and financial means to bring their elders to live with them, still cannot. They cannot because the medical or psychological needs of the elder are beyond their capacity to manage. For example, if Grandma is sweet and docile by day, but sundowns or grows agitated as evening falls, this poses a difficult problem for the caring family. When some people experience dementia or other medical issues, they may stay awake all night. They sometimes wander out of doors or rummage through drawers and closets. This behavior will keep the whole family awake at night. If a working family cannot sleep at night, this situation will become intolerable very quickly. Some adult children have been raised by violent, aggressive parents who are now violent aggressive elders. Children who have been raised under these conditions need not feel obligated to bring their parents to live with them, despite the pressure they may get from outsiders who do not know the real story.

Elders and their families who are trying to make difficult choices about elder care benefit from a professional assessment from a geriatric specialist. Professional care managers can offer an objective opinion based on a clinical evaluation of the physical and cognitive status of the elder. Physicians, hospital case managers, facility admissions coordinators and social workers can also offer advice about appropriate placement of an elder or even suggest how to set up services in the home to best meet the elders needs.

Home Health Care Stay Home without Being Alone

At the very least, any elder living alone should have a medical alert system. This is a necklace or wrist band with a panic button that can be pushed in case of emergency. If the button is pushed a dispatch center receives the signal and makes and attempt to communicate with the elder through a speaker placed in the home. If the elder needs help or does not respond to attempts to communicate, emergency services will be dispatched to the home. Many services will also contact friends and family to notify them that assistance is needed. A good candidate for this device is one WHO DOES NOT have memory loss as memory loss makes it difficult to learn to operate new appliances.

There are two basic types of home health care services: Medicare and Private Duty:

Medicare Home Health is free but can only be accessed if ordered a physician. Medicare will only authorize the free home health services if specific events have happened such as a recent hospitalization lasting three or more days, or a recent change in health status, etc. Medicare will send a Registered Nurse to evaluate the elder and that nurse decides if other professionals such as physical therapists, social workers, dieticians, etc. should perform evaluations. Each professional will determine what services they will render and for how long. Medicare services are temporary in nature and are not offered on a full time basis. The average visit by the nurse, aide and therapist is less than one hour each. Even Medicare home health aides only stay long enough to bathe and dress the patient.

Private Duty Home Health can be arranged on a full time, part time or live- in basis. Many Long Term Care Insurance policies will pay for home health care. The amount of care one can get and the duration of the services varies depending upon which policy they purchased. If someone does not have insurance, they must pay out of pocket (or private pay) for any services. Typically a private home care agency will offer services at a minimum of four hours per day. Typical eight hour shifts are 7am-3pm, 3pm-11pm and 11pm 7am. Many elders complain that an agency sends them a different caregiver each day. In order to avoid having the same aide, that as much as possible, order care every day for at least eight hours. This will allow the agency to schedule the same person for all your shifts. Because labor laws do apply and the agency would have to pay overtime for time which exceeds 40 hours per week, you will most likely have at least two to three caregivers on a full time case. The average hourly rate is $14.00 per hour. A live-in will cost about $150.00 per day. A live-in lives in your home and drives your car (or theirs for a mileage fee) and you are expected to feed them as well, even if you go out to dinner. By law, a live- in is entitled to two hours per day of free time. They can do what ever they like, including leaving the house during their break. If this arrangement will not work for your situation, consider hiring an aide around the clock. Around the clock care is typically delivered in two twelve hour shifts which are done by two different caregivers.

One aide comes to the home from 8am until 8pm and is relieved by the second caregiver at 8pm until 8am. Around the clock care can be delivered in many schedule formats. A live- in is expected to have their own private bedroom and bathroom although many agencies are flexible on this issue. The live- in is expected to be awake all day and have at least 7 hours of sleep at night. If the elder does not sleep at night, a live- in arrangement will not work. One option is to have the live in ($150/day) plus hire a caregiver to come to the house and stay up all night with the elder ($14.00. hour for eight nighttime hours). This costs $112 + $150= $262.00 per day. The only other alternative is to have around- the- clock care which will cost $14.00/hr X 24 hr=$336/day. Adding the eight hour night shift to the live in, saves about $3,000 per month. The Veterans Aid and Attendance Pension is available to qualified veterans who need a caregiver in their home on a regular basis.

Types of Adult Housing and Facilities:

Independent Living Facilities usually offer small apartments with some meals included in the price. A person who lives in an Independent Living Facility is expected to manage their daily care needs on their own, but the staff would readily recognize if needs increased and assist the resident in obtaining the needed help. Some facilities have extra care services available for additional charge to help the resident age in place. Others may ask a resident to move out if their needs exceed the scope of that particular facility. Limited transportation is usually provided although many residents are still driving when they enter an Independent Living Facility. These facilities may cost anywhere from less than $1,000 per month to over $5,000 per month depending upon the luxury amenities and location.

Assisted Living Facilities usually offer hotel size rooms with the option to share a room or pay extra for a private room. Three meals and snacks are usually provided as part of the price. Residents are expected to need some assistance with their daily care needs. Medication administration is strictly supervised. The State laws dictate who can live in an Assisted Living. The State does not want Assisted Living facilities to house nursing home candidates or Nursing Homes to admit people who could function just as well in an Assisted Living Facility. Assisted Living residents must be able to walk and transfer ( from bed to chair or chair to standing) with the assistance of only one other person. An Assisted Living resident can be left alone in their room for two hours or more. Nurses aides are on duty around the clock. Registered nurses or Licensed Practical Nurses are on duty at least during the daytime. Many medical services may make rounds and visit residents at least monthly. It is not uncommon for an Assisted Living resident to never have to leave the building for a medical or beauty appointment. Prices may range from under $1200/month to over $8,000/ month, once again depending upon the amenities. Medicaid has a program called the Medicaid Waiver which can pay part of the cost of the Assisted Living. However, funds have been historically limited and waiting lists can be long. The Veteran Aide and Attendance Pension is designed to financially assist qualified veterans who need the services of an Assisted Living facility

Dementia Specific Facilities are designed especially for the memory impaired resident. The building, floorplan, furnishings, dcor, activity program and even the lighting have been scientifically engineered to enhance the lifestyle of residents with dementia. Many Assisted Living Facilities and Nursing Homes offer a dementia program or dementia unit, but there are entire facilities which specialize in this unique population. Dementia Specific Facilities can be either Assisted Living Facilities or Nursing Homes. They are secure in order to prevent residents from wandering off the property and getting hurt or lost. The price for this extra level of care is usually about $1,000 to $2,000 more per month than a non-specialty building.

Nursing Homes are State regulated and are inspected at least annually. A person who needs a nursing home generally cannot live safely in an Assisted Living environment. A typical resident is either wheelchair bound or bed bound. Those who can walk around freely may need the nursing home environment because they need constant medical supervision. The medical component of this environment is similar to a hospital or hospice setting. The emphasis is on rehabilitation or custodial care rather than socialization and activities. The ICP Medicaid Program (institutional care program) will pay for the room, board and medical costs of those residents who meet the financial and medical criteria. It is possible to plan in advance to help an elder meet these strict criterion.

Financial Realities

Keeping an elder at home with a caregiver can be the most expensive option of all. Many families feel keeping their loved one in the comfort of their own home is priceless. If a paid caregiver cost $14.00/hour, eight hours per day is equal to $2,880.00 per month. Around the clock care exceeds $10,000 per month. Independent Living Facilities cost an average of $2,300.00/ month and provide no personal assistance. Assisted Living Facilities range from about $2,500/month to $5,000/month and provide limited care. A Nursing Home (without ICP Medicaid assistance) can cost from 5,000.00 to $7,000.00 per month and will provide total care.

Anyone considering hiring home health or moving an elder into a care facility of any type should have their elders current needs assessed by a qualified professional who can ascertain the elders current medical/psychological and financial needs and anticipate future needs/solutions. With careful, realistic planning, caring for an elder does not have to be a financial or emotional nightmare. Making the right choices for you and the elder you care about is easier when you enlist the help of people who know the eldercare community and all that it has to offer.

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524

Wednesday, July 14, 2010

Five Ways to Care For Your Elderly Parents


Few people gleefully anticipate the task of caring for an aging parent — but plenty seem to deny that it's coming. Haven't you felt like that? Sooner or later, avoidance can thrust adult children into the caregiver role with a shotgun start.

A parent's slip in the bathroom or a collision caused by a mistake in the driver's seat can precipitate a deluge of anguished decisions and rapid changes you're not ready to handle. Suddenly, you could be scrambling to locate account numbers to pay Mom's bills while she's in the hospital, tangling with her insurance company to figure out why coverage for an X-ray was denied, and consulting with your brother—who lives at the other side of the country—about getting Mom into an assisted-living facility. Hasn't she taken care of us for all those years? Why can't we do the same?

You grapple with guilt because your mother never wanted to move out of her home, but now her condition leaves little choice. As the drama plays out, you're also trying to stay afloat at work and look after your other dependents, the kids.

The first step toward avoiding such baptism by fire is to acknowledge you'll most likely take on caregiving responsibilities someday. According to the Family Caregiver Alliance, the number of "unpaid family caregivers" is set to reach 37 million by 2050, an 85 percent increase from the year 2000. You can help your parents stay happily independent as long as possible if you start those tough conversations now and do some thorough preparation. Here's a game plan.

The vast majority of senior citizens want to live out their days in their own homes—and without being a burden on their kids. Planning ahead greatly raises your odds of making it happen.

1. Consider hiring a pro. A knowledgeable, neutral professional can assist from the start, even when your parents are still living at home. Locate an expert through the internet to help navigate everything from finding a companion service for Dad to identifying a mediator to help settle family differences over caregiving choices. "You may think you can handle it yourself, but you can't—not when you're so [emotionally] close to the situation," says Don Terrell of Ellensburg, Wash., who got help from a geriatric care manager later in the process when his family sought a facility for his mom, who has Alzheimer's disease. According to NAPGCM, an initial assessment runs $300 to $800, and services cost $80 to $200 per hour, depending on where they're needed.

2. Keep track with technology. Helping your parents remain in their home may be realistic but typically requires at least a few adjustments to keep them comfortable and safe. Savvy families are deploying products like QuietCare, which relies on strategically placed motion sensors, to keep tabs on their elders. Phyllis Baker's 80-year-old father lives alone outside Detroit, nearly five hours away from her home. But she needs only to check her iPhone to allay worries, she says, like "Has he gotten out of bed? Is he in the bathroom and never came out?" No cameras or microphones are involved, so her dad has privacy, and a secure website updates a status report every two hours. QuietCare calls immediately if anything is out of the ordinary. Inspired by her two sons, marines regularly deployed overseas, Baker is considering another tech boost: webcams for "virtual meals" together.

3. Remove booby traps. The National Association of Home Builders has certified aging-in-place specialists who can consult and make structural changes. Extras that you or a specialist might install, says Meri-K Appy of the Home Safety Council, include antiscald devices for showers and faucets (like H2O Stop, a new product) that protect older skin, which is quick to sustain serious burns; alternatively, set water heaters to "low" or at 120 degrees. Carbon monoxide detectors are recommended since elderly people are sensitive to even low concentrations of the deadly gas. Special smoke detectors with strobe lighting or a vibrate feature can wake them up when conventional devices wouldn't—new research suggests the latter are set at frequencies that many elderly people can't hear. Grab bars in the shower and near the toilet are usually a must, but their often ugly appearance isn't. Moen's new SecureMount options are an improvement on institutional-looking models, says Appy, and they don't require tearing down tiles.

4. Visit frequently. The time together matters, plus you'll have a better sense of whether they're safe, mentally sound, and in the best living situation, says Alexis Abramson, author ofThe Caregiver's Survival Handbook. Keep an eye out for subtle changes: Are the plants watered? Is unopened mail piling up? Do they have bruises suggesting they may have fallen? Enlist your family and your parents' trusted neighbors to check in.

5. Anticipate expenses. To help maintain your parents' independence and health, you'll very likely need to pay for a few services. The national average for a home healthcare aide to assist with hygiene and medication, say, is $19 per hour, according to a MetLife Mature Market Institute analysis. Think Medicare will pay? Not if they need the aide for a chronic condition. "I dispel this myth all the time."Adult day care" averages $61 per day, according to MetLife. Lisa Midden got financial assistance for her 88-year-old dad through a Florida state Medicaid waiver and a local grant, but he must requalify each year. "Until we learned about these [benefits], everything was coming out of our pocket," says Midden, whose father lives with her and her husband in Orlando. A few afternoons at adult day care and several hours from a nurse's aide are covered each week, plus the Middens get 12 weekly hours of "respite care." Start with your local Area Agency on Aging

For more information contact Senior Solutions at (954) 456-8984 or toll free at 1-800-213-3524