Even if you’ve worked hard to save for retirement and create the financial security you want in the future, the need for long-term care could throw a wrench into even the most well-thought-out plans and impact you and your loved ones’ finances. Consider these questions as you begin the long-term care planning process.5 Questions to Ask When Planning for Long-Term Care![]() (Family Features) You may not want to consider a time when you might not be able to fully take care of yourself, but the reality is there is almost a 70% chance someone turning 65 today will need some type of long-term care service and support in his or her lifetime, according to the U.S. Department of Health and Human Services. Even if you’ve worked hard to save for retirement and create the financial security you want in the future, the need for long-term care could throw a wrench into even the most well-thought-out plans and impact you and your loved ones’ finances. Consider these questions as you begin the long-term care planning process. What is long-term care? When should you start thinking about long-term care planning? How much does long-term care cost? Long-term care is generally not covered by health insurance, and government programs like Medicare or Medicaid have limitations, which often isn’t discovered until care is needed. However, New York Life offers long-term care options to AARP members and provides specially trained agents who can provide guidance. The agents can work with you and your family to create a customized plan based on your financial goals, helping protect your assets should you ever require long-term care. Where is care provided? How much coverage do you need? While planning for long-term care can seem daunting, you can find more benefits and information to make the process easier at aarp.org/benefits.
Photo courtesy of Getty Images SOURCE:AARP Services, Inc.
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As you get older, the consequences of falls can become more serious, setting up a sequence of events that can have longstanding implications on independence and health. These steps can help prevent falls.Taking Steps to Prevent Falls![]() (Family Features) When you’re young, an injury from a fall may sideline you for a few days or weeks, but a full recovery is usually quick. As you get older, the consequences of falls can become more serious, setting up a sequence of events that can have longstanding implications on independence and health. It doesn’t have to be that way, however. Although falls typically become more common and can be more serious as you age, falls are not a natural part of getting older. In fact, most falls are preventable. Knowing the factors that put you at greater risk of falling and taking proper steps can help prevent falls. Risk factors for falls in older people include overall health (chronic diseases and physical conditions), environment (hazards and situations at home) and behaviors, such as rushing around or standing on a chair to reach something. These steps from the experts at the National Council on Aging can help prevent falls:
For more tips and information, visit acl.gov/fallsprevention. Photo courtesy of Getty Images SOURCE:Administration for Community Living KEYWORDS
While caring for an older family member – whether it be a spouse, parent or grandparent – can be a rewarding experience, it can also be a difficult and overwhelming task. This is especially true if your loved one lives with Alzheimer’s disease or other dementia-related illnesses. Being aware of some of the warning signs of burnout can help caregivers properly manage stress and protect themselves.Caring for Caregivers![]() How to prevent caregiver burnout(Family Features) While caring for an older family member – whether it be a spouse, parent or grandparent – can be a rewarding experience, it can also be a difficult and overwhelming task. This is especially true if your loved one lives with Alzheimer’s disease or other dementia-related illnesses. Whether it’s out of love or obligation, caring for a chronically ill or disabled family member (and potentially his or her financial and legal interests) can come at the expense of the caregiver’s quality of life. In addition to maintaining a healthy, active lifestyle outside of caregiving responsibilities, it is important for those caring for a loved one to learn ways to avoid health hazards and stay well-informed of any changes in their loved one’s condition. Add work and children to care for to the equation and it’s a formula that can lead to stress, exhaustion and even potential health issues. The additional duties often required to provide care for a loved one can lead to physical or emotional fatigue, often referred to as “caregiver burnout.” If you’re caring for an older adult, the Alzheimer’s Foundation of America recommends these tips to help manage stress before caregiving leads to burnout. Know the signs of burnout. By the time many caregivers suspect signs of burnout, they’re likely already suffering symptoms related to their responsibilities. Being aware of some of the warning signs can help caregivers properly manage stress and protect themselves. Warning signs include:
Educate yourself about the disease. It’s likely the loved one you care for has several health problems, takes multiple medications and sees multiple health care providers to manage his or her conditions. As a first step in learning more about Alzheimer’s disease and other dementia-related illnesses, visit alzfdn.org or nia.nih.gov/alzheimers for information. Support groups, educational workshops, community resources and professionals can also help increase your understanding of the disease and what to expect so you can be a better-informed and prepared caregiver. Be prepared for important decisions. Take care of financial, legal and long-term care planning issues early on to help reduce stress later. Try to involve the individual in decision-making if he or she is capable, and consider personal wishes regarding future care and end-of-life issues. Build your care skills. Key skills for any caregiver include communication, understanding safety considerations and behaviors, and managing activities of daily living such as bathing, toileting and dressing. Some organizations and local hospitals may even offer classes specific to your loved one’s disease that can aid you in the process. Develop empathy. Try to understand what it is like to be a person living with Alzheimer’s or dementia. Put yourself in the affected person’s shoes while also recognizing your own losses. Manage your expectations of your loved one and remain patient. Ask for help when you need it. Reach out to medical and mental health professionals as well as family and friends. They can assist you when things get tough. In addition, there are typically programs, agencies and organizations in your community that can help manage the challenges of caring for older parents, grandparents, spouses and other older adults. Advocate for and connect with your loved one. Take an active role in the individual’s medical care. Get to know the care team, ask questions, express concerns and discuss treatment options. Also remember to connect on a personal level through kindness, humor and creativity, which are essential parts of caregiving and can help reduce stress. Think positive. Focus on the capabilities and strengths that are still intact and enjoy your relationship with your loved one while you are still together. Look for ways to include him or her in your daily routines and gatherings to make as many memories as possible. Find more caregiver resources and tips at alzfdn.org. ![]() Tips for Managing Caregiver StressStress can affect anyone and caregivers may find themselves faced with additional stressors. To help manage stress and avoid caregiver burnout, keep these tips from the Alzheimer’s Foundation of America in mind:
Getting Help with Caregiving Everyone needs a break from time to time, even caregivers. Look into respite programs for a chance to care for yourself. Types of respite include: Home Care
Adult Day Programs
Facility-Based Respite
Family and Friends
Photos courtesy of Dreamstime (Couple walking) SOURCE:Alzheimer’s Foundation of America KEYWORDS
Caregivers need and deserve support as they navigate a demanding, emotional and critical responsibility. The good news is there are resources and services like the following that can help make life as a caregiver a bit easier.(BPT) - When David Bowen’s father fell taking out the trash in 2016, it set in motion a series of health challenges the family is still battling together. Bowen, 62, hired a part-time professional caregiver to assist his father and his mother, who was battling Alzheimer’s, but he found himself serving as a caregiver much of the time, too. The responsibility of caregiving can mean increased stress and anxiety, which can affect family dynamics, nutrition habits, physical fitness and overall well-being. Many people take unpaid leave from their jobs, reduce work hours, change careers or quit altogether to care for an aging loved one. The 2018 Northwestern Mutual C.A.R.E. Study revealed that two of three caregivers reduce their living expenses to pay for the medical and practical needs of their loved ones, yet nearly half of future caregivers said they have made no financial plans to prepare. While this can be challenging, caregivers take immense pride in this vital role, and most wouldn’t trade the opportunity. In fact, a recent Merrill Lynch-Age Wave study found that 91 percent of caregivers feel grateful to care for someone and 77 percent would do it again. Caregivers need and deserve support as they navigate a demanding, emotional and critical responsibility. The good news is there are resources and services like the following that can help make life as a caregiver a bit easier. Caregiver resource list * The National Family Caregiver Support Program offers medical, emotional, financial and legal advice and training to adult family members who provide in-home and community care for people aged 60 or older and to people older than 55 who care for children under 18. * AARP’s Caregiver Resource Center offers guides for first-time caregivers, families and those who care for a loved one at home. These include financial and legal considerations and advice on how to maintain caregiver-life balance. * While the Administration for Community Living doesn’t work directly with individuals, it can be a good place for a caregiver to start on the circuitous path to financial support. The organization provides funds to help older adults and people with disabilities live where they choose to for as long as they can, and has provided billions of dollars to programs in every state. * UnitedHealthcare proactively addresses caregiver needs by sharing relevant information and resources. Its Solutions for Caregivers program, for example, is a website for eligible members to get advice from medical professionals, financial advisers and experienced care managers; take advantage of discounted products and services; and access educational resources. Non-members can find a directory of organizations that focus on issues including Parkinson’s disease, substance abuse, blindness, MS, Alzheimer’s and diabetes. * The National Alliance for Caregiving focuses on caregiving research, innovation and technology, state and local caregiving coalitions, and international caring. It is working to build a global network of caregiver support organizations. * The Caregiver Action Network (CAN) serves a broad spectrum of family caregivers, ranging from parents of children with special needs, to families and friends of wounded soldiers, to adult children caring for aging parents. Aiming to promote resourcefulness and respect for the more than 90 million family caregivers across the country, CAN provides free education, peer support and resources. * The Eldercare Locator, a public service of the U.S. Administration on Aging, provides a search tool that allows visitors to search by topic and location for services pertaining to older adults and their families. “Dad and I, we’re trying to put a new life together for him, and it’s tough,” said Bowen. “But support from all over has kept me on my feet and moving forward. Amid all the challenges, I am grateful for that.” KEYWORDS
(BPT) - French novelist Sidonie-Gabrielle Collette once said, “Our perfect companions never have fewer than four feet.” Pets provide meaningful social support for owners, and they can be especially beneficial for seniors. Ample research shows pet ownership delivers physical and mental health benefits for seniors, regardless of whether they’re living on their own or in a senior living community. However, many older Americans still mistakenly believe moving into a senior living community means they’ll have to leave their pets behind. In fact, the fear they’ll have to give up a beloved pet is among the top emotional reasons seniors don’t want to move into senior living, according to author and senior real estate specialist Bruce Nemovitz. In an informal survey by Nemovitz, seniors ranked losing a pet as emotionally jarring as having to leave their familiar homes and possessions. “Senior living communities like Brookdale Senior Living are all about supporting the physical health and mental well-being of residents,” says Carol Cummings, senior director of Optimum Life. “For many senior citizens, pets are an important part of their lives. It makes sense to preserve the bond between pet and senior owner whenever possible.” Physical benefits Pet ownership benefits senior citizens in multiple ways, research shows. Older people who own dogs are likely to spend 22 additional minutes walking at a moderately intense pace each day, according to a recent study by The University of Lincoln and Glasgow Caledonian University. Published in BioMed Central, the study also found dog owners took more than 2,700 more steps per day than non-owners. Multiple studies have also concluded that pet ownership can help lower blood pressure, contribute to improved cardiovascular health and reduce cholesterol. Mental health Interacting with pets also has many mental health benefits, especially for seniors. Spending time with pets can help relieve anxiety and increase brain levels of the feel-good neurochemicals serotonin and dopamine. Pets can help relieve depression and feelings of loneliness. The online journal Current Gerontology and Geriatrics Research reports multiple studies indicate dementia patients who interact with animals become more social, are less agitated and have fewer behavioral issues. Pets in senior living settings “For too long, some senior living communities didn’t recognize the value of allowing residents to bring their pets with them,” Cummings says. “That has definitely changed.” For seniors looking for a community that will accept their pets, Cummings suggests a few questions to ask: * What is your pet policy and what type of animal do you consider a pet? Generally, small dogs, cats, birds, rabbits, rats, hamsters, fish, turtles and other small companion animals qualify for pet policies. Seniors should check to be sure their pet meets the standards of the community. * What is your pet health policy? Typically, senior living communities that accept small pets will want them to be current on all vaccinations and have regular exams by a licensed veterinarian. Pets will also need to have any required state- or county-issued licenses. * What, if any, kind of training do you require pets to have? Requiring dogs to be house-trained and cats to be litter-trained is standard. Communities will also want to know your pet is well-behaved and not aggressive. They may ask you to have pets obedience trained. * Do you offer any assistance with pet-related tasks? Most communities will require residents be able to care for pets themselves, including feeding, walking, potty needs and health needs. “Moving into a senior living community is a big change, one that most residents find positive,” Cummings says. “They gain freedom from home maintenance tasks and household chores, a socially rewarding environment, and as-needed support for healthcare and daily care. As long as seniors are still able to care for their pets, there’s no reason they shouldn’t be allowed to bring their best friends with them to their new homes.” KEYWORDS
(BPT) - It can be hard to admit your vision isn't what it used to be, especially when it comes to driving. Maybe you've noticed some difficulties reading traffic signals, or you've found it challenging to drive at night. If you're a family member noticing these warning signs in a loved one, pointing out these challenges may seem like a daunting and delicate undertaking. But when it comes to being on the road, safety is one thing you can't ignore. Encouraging your elderly loved one to prioritize safety can be hard, especially when it feels like their independence is at stake. That's why it's important to have an open and honest discussion to determine the best options for maintaining independence outside the home. Step 1: Address driver safety Vision is the most important sense for driving safety. Annual vision screening is important for everyone, but it is especially critical for older people, since the sensory data used for driving is predominantly visual. For seniors still able to drive, a defensive driving class can be beneficial. These classes allow students to brush up on skills while gaining confidence and introduce them to alternative transportation options for the times and locations of their preference. What's more, many insurance companies provide discounts to seniors who complete these courses. Giving up driving doesn't have to mean choosing between all or nothing. For example, start limiting driving to daylight only, non-rush-hour periods. Then look into supplementary transportation options that eliminate the need to drive while still allowing you to get where you need to go. Step 2: Research transportation options It's important to educate yourself or your loved one about locally available transportation options for seniors. When you know there are reliable, cost-effective transportation options available, it can help maintain a high level of independence for a trip to the grocery store or a doctor's appointment. Rides in Sight is a nationwide, online database of senior transportation options built by ITNAmerica, a national nonprofit organization dedicated to providing sustainable transportation options for seniors. Visit www.ridesinsight.org and enter basic information like your state or zip code, and you can find the ride option that's best for your situation. If you prefer to access information by phone, call 1-855-60-RIDES (1-855-607-4337). Rides in Sight makes it easy to find customized transportation, no matter what a person's needs. For example, you can find wheelchair accessible transportation options or door-to-door driver assistance if that's what you need. Step 3: Implement a trial period Giving up the keys is easier if you do it over a period of time. Pick a date and schedule your first ride with a transportation service during a time you normally drive. Any change takes time to adapt to, so try it out for a while before reassessing and making any necessary adjustments. After this trial period, you should feel more comfortable with someone else driving you, and you get to be in control of your mobility. For older Americans, it's important to be able to maintain independence when they limit or stop driving. When they are encouraged to create their own driving transition plan, more emphasis can be placed on finding new passions and activities to engage with their communities. The result is a positive impact on people of all ages. To have that impact, reliable, secure transportation is essential. Having the necessary conversations and researching appropriate transportation options helps keep everyone happy, healthy and safe. |
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