Alzheimers Care Giving While Maintaining Your Own Health

Just for a moment I want you to imagine that you are coming out of a very deep sleep. If you have ever had surgery try to remember the way you felt as you were trying to make sense of things as you awoke. As you imagine or remember this sensation do you find yourself wondering if it is morning or night? Are you trying to remember where you are? Do you have a startle reaction and think for a moment that you are late for work or forgot to pick up your children at school? I have had that upsetting feeling if I wake up in the middle of the night or even after a nap. Now imagine that same fog every moment of your life.......

So many care givers find themselves frustrated with an Alzheimer's sufferer. They may say things like "He just doesn't seem to care if I am with him or not" or "He doesn't enjoy doing anything any more." I know that it is so hard to accept the changes in your loved one and know that this is going to be your reality. If you can remind yourself that the behaviors are organic it will help. The plaque is building up and spreading over the surface of the brain just as a grassfire moves across a dry field. As it covers more areas your loved falls deeper into that fog. Alzheimer's disease doesn't show up like a broken one or a surgical scar but the effects are just as real.

When the things they say or do cause you to feel angry or sad do you best to remember that it is the disease...not your loved one. That's when it is time for some care giver TLC.

Care giver burnout is a very real occurrence. If you are caring for someone you must include your own needs each day. Your health may decline at a faster rate than the person you are caring for if your dietary, emotional and physical needs are not met. Skipping your checkups with Dr.s is not an option.

You may be asking "How am I supposed to do all of this all by myself?" The answer is simple. You can't do it all alone. The first step to healthy care giving is accepting the fact that you have limitations. Every human being does. You can only stay awake, maintain your health and keep up with the demands for a limited amount of time. When you reach your limit you may find yourself suffering from care giver burnout. You may have trouble concentrating, experience nervous tension, and you may find it difficult to fight off resentment toward your loved one or others in your family that you feel should be assisting you.

Reach out. Call upon your family, friends, church and community organizations. Your local hospitals will have information regarding community resources. This information can usually be found by contacting the Social Services Department. Another good resource is the Alzheimer's Association. By taking care of your health you will, in turn be a better care giver.

Introducing the Best Available Long Term Care Policy Guarantee

If you're 60 to 70 years old ... or have a family member who is ... then what you are about to discover could help prevent the complete erosion of your estate.

In fact, it's probably the most important asset you could ever own. Let me explain why.

For over 24 years, I have helped hundreds of individuals understand and implement money saving ideas. From the birth of an innocent newborn to the demise of a crafty senior I've witnessed families in every financial situation imaginable.

As my clients age (and me along with them), I can tell you without hesitation the biggest fear of growing old is losing your ability to remain independent.

Although we are living longer, we are not necessarily living better.

Chronic disease is rampant ... and it strikes with a vengeance when you least expect it.

How many people who have experienced a stroke knew it was going to happen to them?

How many anticipated that particular moment when they began to forget things?

The facts speak for themselves. Literally millions of Americans require long term care ... either in nursing homes, day care centers, assisted living facilities or in their own homes.

And the cost of providing this care is outrageous with no end in sight.

Now, if you think it will never happen to you ... I'm sorry. This article doesn't try to convince anyone about the likelihood of their needing care before they die.

It's meant for those who understand and appreciate the need to arm themselves with protection against the horrific expense of long term care.

In fact, this article is ideal for those who have already looked at traditional types of long term care policies and are trying to determine which type is best for them.

One of the biggest objections to buying a long term care policy is that if the benefit is never needed the premiums paid for the policy will be wasted.

This is somewhat like buying automobile insurance. You have to pay the premium in order to get your car repaired. But what if you never have an accident. Is that considered losing your premium?

Funny isn't it? People hardly question paying for car insurance, but they frequently resist doing so for a long term care policy.

So... what if you could always get your premium back - guaranteed - if you never require any long term care?

And, what if you die before receiving long term care? Wouldn't it be great if your loved ones could recover 100% of your premium expense?

How about this? You actually use up all of your long term care benefit. And then you die. What if your family could still get back 10 percent of your premium.

Now if you know anything about long term care policies you're probably wondering why you haven't heard of this type before.

One reason is because it is non-traditional and not included in the mainstream marketing of long term care policies.

Another is because it takes a large sum of money to buy the policy. $50,000 is typical and it's a one-time single premium, which means you will never get stuck with a premium increase.

It is not uncommon for people between 60 and 70 to have large sums of money stashed away in bank CDs earning low interest. Kind of an emergency fund.

Transferring a portion of this fund into the policy makes sense because the money continues to earn interest. Besides, it usually pays more than the bank ... plus, the policy interest is tax deferred.

It's also common for people this age to have old life insurance policies with significant cash value.

Many times it's possible to transfer the cash into the long term care policy and still retain a meaningful death benefit.

And the future long term care benefit could easily be worth over one million dollars.

This policy has a 90 day waiting period before benefits are paid. The length of the benefit can be as short as 4 years or as long as your lifetime. You can also get a 5% compound interest inflation protection rider to help keep up with the rising cost of care.

The name of this policy is MoneyGuard. It is a universal life insurance policy with a long term care rider. The issuing life insurance company is Lincoln Life, a subsidiary of Lincoln Financial Group.

By the way, this policy was initially developed by Penn-Pacific Life many years ago. They have years of experience and an excellent reputation. Lincoln recently bought Penn-Pacific.

Ask your life insurance agent to get you more information about this single premium policy. For the right situation it is absolutely the best guarantee in a long term care policy.

Prepare to Make Long-term Care Choices

Several months ago, I was coming out of a gas station when a woman stopped me and asked me what I did for a living. On the back of our van is our web address. On the side wing windows is "Free Senior Home Placement." I explained to her that I am a Long Term Care Consultant. She breathed a sigh of relief. "Great I need you!"

She went on to explain that her mother had fallen and was in the hospital. Her hip had been broken, and she was going to be discharged from the hospital in two days. She was going to require 24-hour care. To complicate matters her mother had been caring for her father who was unable to walk, or feed himself. Suddenly they found themselves in the middle of a crisis.

Families never expect to be in a situation like this. But situations like this happen all of the time. Here is a list of things families should do to be prepared for a crisis.

While your parents are still mentally cognizant discuss with them the kind of long-term options they would prefer. Discuss, nursing homes, assisted living facilities, adult family homes, boarding homes, or in-home care.

Prepare a notebook that includes documentation, such as physicians phone numbers, attorney's phone numbers, bank account information, ministers phone number, power of attorney documents, and their living will.

Educate yourself on the kinds of facilities that are available in your area, or where your parents live.

Contact your local department of social and health services, find out what resources that they have available if you should need financial support. Fill out the paperwork ahead of time, leaving the date and other time sensitive information blank.

Discuss some of these issues with your siblings before hand, so you do not have to deal with family dynamics in a crisis.

Visit facilities and discuss prices so you know what your parents are able to afford. (Note that when the time comes circumstances may be that they cannot live in the kind of facility that they would prefer, especially if they require heavier care than they had anticipated.)

Being unprepared when a crisis hits will leave you scrambling. If you have done a portion of the legwork before hand you can face the crisis before you with a measure of confidence. ~Dutchy

Senior Care for Alzheimer's

As a person ages, a certain amount of memory loss and confusion is quite normal. Personally, I've been known to invoke the cliché, "The older I get, the better I was!" Unfortunately, Alzheimer's disease represents a more serious loss of mental sharpness and calls for special care for seniors.

Alzheimer's Disease

Alzheimer's Disease is a progressive form of pre-senile dementia. Symptoms are typically first noted in a person's late forties or early fifties. As the disease takes effect, it will first impact memory. Impaired thought and speech will follow with the patient eventually becoming helpless.

Alzheimer's is a truly horrible disease because it robs a person of their ability to function. The disease is also damaging to family and friends as it is very difficult to watch a parent, brother, sister or friend progress to the point where they don't recognize anyone. The burden of caring for a person suffering from Alzheimer's is significant. At some point in time, a family will have to look for assistance with the care.

Most "board and care" and "assisted living facilities" are willing and capable of providing for a person suffering from Alzheimer's. These facilities are similar to nursing homes, but with less of an institutional atmosphere. If, however, a senior becomes increasingly disoriented, perhaps even occasionally wandering away, they may require a facility with a dementia waiver.

Despite the name, a "dementia waiver" is an indication that a facility and staff have additional training and licensing for the care of patients with dementia. On top of the additional training, the actual facility may be secured with a perimeter to keep patients on the grounds.

Alzheimer's disease leaves a mark on family and friends as well as the victim. There are, however, facility options that can at least take the care burden off of you.

Compare Nursing Homes

Finding the best nursing home is easier than you might think. That is assuming there is more than one nursing home in your area so that you have something to compare. The sad part is that the best nursing home is just the one that meets your expectations better than its competitors. That doesn't mean it is a good nursing home, it might even mean that it just isn't the worst.

A good source of information and feedback on local nursing homes is the attending physician for the residents. The staff at the physician' office works closely with the nursing home staff scheduling appointments and transportation, prescribing medication, and treating ailments as well as serious medical conditions. We found the best nursing home for my grandfather from the recommendation of our cardiologist's nurse.

One of the most valuable tools to compare nursing homes is a nursing home report you can get through Check My Nursing Home.com. This report will tell you about complaints against the nursing home, inspections of the nursing home, abuse and neglect cases, and other valuable feedback that potential residents need to be aware of.

This report is definitely a necessity, but the most valuable tool to compare nursing homes is personal interviews with residents, staff members, and family members. Remember when talking to residents and caregivers that we all compare things based on our own perceptions. For example, my grandfather is getting excellent care and unbelievable attention at his nursing home, but thinks he is being abused and neglected because the food is so bad.

Find out what the employees like and don't like about their working environment and employer. The attitude and contentment of the staff will have a direct affect on the care and attention your loved one will receive. Compare nursing homes based on how good of an environment it is for nurses to work in, and you'll get a clearer picture of how good of an environment it is for residents to live in. Ask questions like, "How often do you have to do someone else's work that is not your job?" You'll learn a lot about how work is managed, but most importantly, you'll get a clearer picture of the attitude of the person you are interviewing. Do they have a resentful attitude or a cooperative one? Do they mind helping outside of their job descriptions, or do they see the staff as a team where everyone works together no matter what the task? These keys will give you a good indication of what is going to happen when your loved one needs help going to the potty when the nurse's aide assigned to their room is busy with another resident.

Always ask specific questions to compare programs and care, such as "Tell me about your physical therapy routine, what exercises you do, and how often?" Asking, "How's physical therapy here?" will only provide you with personal opinion. And even if the therapy is excellent-if the resident doesn't like the PT nurse, you're liable to get a negative response. My grandfather hates the resistance bands his physical therapist uses, and really feels stupid sitting there stretching rubber bands. If you asked him what he thought about physical therapy at his nursing home, you are going to get an earful of how it's a useless waste of time. But if you specifically ask him what his physical therapy routine consists of and how often he has physical therapy, you'll get some facts mixed in with the soap box venting.

So to compare nursing homes, visit them personally, ask lots of questions, and interview not only staff, but residents and their families as well. Once you have your choices narrowed down to one or two, order a report on the home to check out what is really happening behind the scenes. And once you've chosen the best nursing home, keep checking on them to make sure the care your loved one receives continues to meet your expectations and their needs.

The Truth About Christmas

Every year, as Christmas approaches, you hear Christmas carols everywhere. Sometimes to the point where another Silent Night would make you want to silent the sound system.

Everyone is scrambling to buy Christmas gifts for everyone in a list that seems miles long. The queues to pay up and the queues for a parking lot seem endlessly long too.

Christmas cards are sent out to friends and family, some of whom you might not have seen for years.

Beautifully decorated christmas trees pop up every where. Buildings are dressed in lights, mistletoes, bells, and other Christmas decorations. Santa Claus, his elves and reindeer are seen every where. Kids get more and more excited as Christmas approach. Even grown ups prepare for the onslaught of Christmas partying during that time of the year. Party dresses are purchased. Everyone gets ready to dress to their nines.

In all this excitement, do you know what you are celebrating?

What is Christmas actually? It sometimes seems like a brillian invention of the toy makers to push sales of toys to all the parents around the world. A sales marketing ploy of the retail industry.

Actually, Christmas is the celebration of the birth of Jesus Christ. Long ago, a little baby was born to a girl who was still a virgin. The baby was born in a manger, among the animals, yet angels proclaimed his birth. Wise men followed a star that marked his birth and presented him with precious gifts, to pay homage to him. It all seemed so beautifully sweet.. until you realise the reason why this child was born.

This baby was born to die. To be crucified on the cross while still in his prime. Killed alongside murderers, on the insistence of the crowds, even though he had not committed a crime... days after being welcomed into Jerusalem by crowds of people waving palm leaves, shouting Hosanna, praising him.

It was a gruesome death. He was whipped and then his body, all covered with blood, still a live, was nailed to a cross and left to die. Upon his death, the skies turned dark. There was an earthquake The curtain separating the holiest place in the temple in Jerusalem from the rest of the area was torn in two.

3 days later, his tomb was empty and the heavy stone was rolled away. His disciples and those close to him saw him. He spent time with them, ate with them, showing he was alive and not a ghost. Later, while talking to a crowd of people, he rose up in the sky disappeared into the clouds.

Strategies on Paying for Nursing Home Care and Medicaid

The decision to place your loved one into a nursing home is an extremely difficult decision, often causing much guilt for the caregiver. It is a very emotional decision for most clients we see and most are under a certain amount of stress, often great, when facing what they consider to be a drastic course of action.

I counsel our caregiver clients to get beyond the guilt as quickly as they can, because the situation their loved one is in is not the caregiver's fault. And besides, the longer you remain under this stress, the less healthy you eat, or you eat way too much, the less you sleep, and some start drinking (my own mother started this late at night after she got my dad settled in bed for the evening - not healthy to say the least).

The stress of caring for a loved one is constant and unrelenting. It is a physical, mental and emotional grind. On numerous occasions, we have actually had caregiver clients die before the spouse in the nursing home. Sometimes, the caregivers die shortly after the nursing home spouse dies. The stress of being a caregiver can be deadly serious, especially for older clients who are caregivers for their spouse.

You have to recognize it and develop a plan to deal with it.

Get your children involved in developing a plan to deal with your loved one's incapacity. And remember, plan for the absolute worst case scenario. Get to an attorney who can help you develop a plan to help you with your particular situation. And this is especially important as soon as you detect any signs of dementia in your parent or spouse, or as soon as you begin to detect physical problems with your loved one. The sooner you begin the plan, the better off the family will be.

NOW, HOW DO WE PAY FOR MAMA'S NURSING HOME CARE? There are really only three ways to pay for a stay in a nursing home.

LONG TERM CARE INSURANCE (LTCI). If Mama was far-sighted enough, she may have purchased LTCI in the past before she needed it. This would be an excellent source of funds to help defray some or all of Mama's long term care costs. Unfortunately, very few seniors, those over age 60, have LTCI coverage.

SELF PAY. This essentially means that Mama has enough income or financial assets to pay her own way in the nursing home. However, many families don't have the income or the financial asset base to be able to pay $4,000 to $7,500 or more a month for a bed for very long in a nursing home.

MEDICAID. This is a state-administered medical benefit program which will pay for the cost of a nursing home stay if three tests are met, i.e., medical need, asset, and income. Medicaid is obviously a needs-based program, funded partially by state funds, but mostly by federal funds. Many people are under the mistaken impression that MEDICARE, which most seniors in this country over age sixty-five participate in to one degree or another, will cover the cost of their stay in a nursing home.