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.

What Most Long Term Care Professionals Don't Know

Medicare recognizes this need and, therefore reimburses your residents to receive advanced behavioral health services? making them free to your facility!

Psychologists provide a wide variety of valuable and tested clinical services that can provide a big shot in the arm to your nursing home care. For example:

1. Psychotherapy is a treatment approach, which in many cases is equally, if not more, effective than drug therapies in nursing home care. Cognitive and interpersonal psychotherapies, for example, are effective treatments for depression.

2. Psychological alternatives to drug therapies are particularly valuable to elderly populations receiving nursing home care who are suffering from overmedication and side effects of various drugs and their interactions. These alternatives can reduce the medication use in your long term care facility thus reducing any complaints of over-medication of residents.

3. Psychologists can significantly bolster the impact of the nursing home care and treatment plan of patients suffering from chronic illnesses through a variety of advanced interventions providing a powerful treatment synergy that is invaluable.

4. People can be helped to control high blood pressure and manage chronic pain or headaches with fewer medications, when psychotherapy, behavioral techniques, and biofeedback are added to nursing home care.

5. Breast cancer patients who participate in group psychotherapy survive longer and manage their symptoms better than those who do not.

6. Pre-surgical psychological counseling leads to fewer complications and a reduction in medication utilization.

7. Psychotherapy added to nursing home care enables some diabetics who are at risk for erratic treatment compliance to maintain their discipline of diet and insulin treatments.

8. Psychological interventions help cancer patients to manage the unpleasant side effects of their chemotherapy so that their lives are disrupted less seriously and their daily effectiveness is maintained.

9. Individual and family psychological interventions added to your nursing home care are effective for enhancing resident quality of life. It does this by enabling the resident to effectively manage the depression, anxiety, and other adjustment issues resulting from the onset of chronic and disabling illness.

10. Psychotherapy and/or other behavioral interventions enrich your nursing home care by helping your residents to change lifestyle habits in order to reduce risks for cardiovascular disease, diabetes and cancer. Become recognized as a forward-looking leader in long term care by having your own specialized psychological treatment program. It is well documented that psychologists assist residents in developing coping strategies and healthy behaviors, which can reduce the factors associated with the development of illness.

11. The psychologist has a unique expertise in the diagnosis and treatment of conditions addressed in nursing home care such as stress disorders, neurological impairments, brain disease and psychosomatic illness. Psychologists have been in the forefront of high quality research involving the mutual influences which mind, body, emotion and disease have on each other.

12. Next-generation physicians consult psychologists to obtain an expert assessment regarding any psychological disorders present, advice on the implementation of behavioral programs, the pinpointing of specific behavioral symptoms and the targeting of resulting treatment goals. One reason is that 81% of adults say that they would feel more comfortable seeing a physician who consults with a psychologist.

13. Diagnostic tests performed by psychologists are state-of-the-art tools. Increasingly, physicians are turning to them to pinpoint any emotional or behavioral factors that may be affecting or interfering with the treatment process in nursing home care.

14. These next-generation diagnostic services give added power to your nursing home care because they can be used to assess among other things, prognosis and the existence of functional impairments, degree of intellectual, cognitive and/or psychological impairment and the extent of any dementia or memory impairments.

They also specify treatment and documentation guidelines which enable staff to reduce risk by use of more concrete factors to list in charting and by enhancing the odds for resident recovery and/or the slowing of the process of deterioration.

15. Sophisticated physicians are increasingly applying these results to develop faster-acting and longer-lasting rehabilitative services and treatment programs that stand head-over-heels above your nursing home peers in long term care.

16. Psychologists emphasize the least restrictive, safest, drug-free, most cost-efficient treatment alternatives available leading to them being increasingly recruited to provide services to long term care residents and being a factor in the numerous compliments administrators start getting from their bosses.

17. Dynamic Team-building. They will empower your nursing home care many times over because they are experts in facilitating cohesive team-work to generate results. They excel at working with teams of other health care professionals in nursing homes and other comprehensive rehabilitation facilities.

Board and Care Homes - What Are They?

Board and Care homes (also known as RCFE's - Residential Care Facilities for the Elderly) are residential private homes that have been licensed by the Department of Social Services to provide services to seniors. Most accept no more than six residents, but offer a cozy, home-like setting for frail seniors. At least one caregiver is on the premises at all times to assist residents.

Board and care homes come with a variety of characteristics. Rooms can be shared or private and may include a shared or private bathroom. Limited social activities are provided, but not to the extent of an assisted living facility. Specific needs can be met in this small setting, such as language, ethnic or food preferences, even accommodating a loved pet. Meals, laundry, housekeeping, transportation to doctor appointments are usually included. Most provide assistance with dressing, bathing, grooming, eating, medication management, and hygiene and continence issues. With hundreds of these homes scattered throughout most geographic areas, there is hardly a situation that cannot be met in a board and care home.

With most board and care homes, a resident will interact with just three or four caregivers each week. This allows caregivers and residents to form a close bond, which many seniors prefer. Homes range in care giving levels, from simply providing a personal presence for seniors to dealing with severe medical conditions. If fact, some specialize in very specific areas of healthcare and their related needs, such as non-ambulatory residents, stroke or paralysis residents, diabetes care, oxygen needs, catheters, colostomy's, and cognitive and memory impairments such as dementia, Parkinson's and Alzheimer's disease. Some medical conditions such as a feeding tubes or tracheotomies cannot be handled by board and care homes.

Generally, Board and Care homes are managed and owned by an individual or family who are closely involved in the day-to-day activities of the home. Board and care homes are a refreshing alternative to the more business like approach of an assisted living or skilled nursing facility.

Assisted Living Facilities - What Are They?

Assisted Living facilities are generally for person's 60 years of age and older. Typical candidates need assistance with "Activities of Daily Living" (ADLs), but wish to live as independently as possible. Assisted Living communities exist to bridge the gap between seniors that can live independently and skilled nursing homes.

Assisted living facilities provide helpful services such as:

1. Eating,

2. Bathing,

3. Dressing,

4. Grooming,

5. Laundry,

6. Housekeeping,

7. Assistance with medications.

While Board and Care facilities are usually in a private residential home, Assisted Living facilities are larger structures often arranged as senior living communities. These communities can contain as many as 400 residents or as few as 25 seniors. Residents of assisted living communities usually meet in a dining room together with other residents for meals.

A person designated as the 'Activities Director' oversees a key area in the assisted living community - Social activities. The Activities Director typically arranges daily options for residents including outings, crafts, dances, music, educational classes, seminars, and other opportunities. All activities are designed to encourage physical and mental stimulation.

Assisted Living facilities create a care plan for each individual resident upon admission. The care plan details the agreed upon personalized services required by the resident and guaranteed to be provided by the facility. The plan is updated regularly to assure that the resident receives the appropriate care as his or her condition changes.

Assisted Living communities are closely involved in the health needs of their residents. They often have a person designated to oversee this called a 'Health Care Director'. They coordinate the monitoring of health related issues involving medication, diet, personal hygiene, socialization and mental acuity to assist the senior and their family as they interact with health care professionals. If a decline is noted in a specific area, family and health care professionals are consulted by the Health Care Director to resolve issues. Often, because of their experience, unexpected emergency health issues are avoided, as signs of a decline recognized and acted upon early.

Residents can live at 'Assisted Living' communities for many years, even as their health declines considerably. Many offer hospice care and end of life assistance. If you are considering senior care options, assisted living facilities are definitely an option worth looking into.

Who Wants to End Up in a Nursing Home? NO ONE!

As a long-term care consultant for seniors and their families I have visited many different types of facilities. But my favorite type of facility to visit is adult family homes.

There are over 2200 adult family homes in Washington State. Adult family homes have many things in common, but are each unique in their individual decor' and house size. Some are ultra fancy, some are tailored for country type folk, while some are modern and are bursting with color.

Each provider, like the differences you find in the decor of the homes is individual in their personalities. Some are laid back, others are very vivacious, you will find that some are calm, quiet houses, while others team with activity.

When you enter an adult family home the first thing you will notice is that the Adult family home smells wonderful. They take pride in making delicious homemade meals. Often times when you come into the homes you'll be greeted by the aroma of fresh baked bread, rolls, or muffins, not to mention the varieties of home made soups, baked chicken, roasts or casseroles, whose fragrance fill the air.

Adult family homes do not have overwhelming chemical smells like nursing homes. They have a smaller ratio of clients to serve and clients are cared for in a much timelier manner, reducing odors.

Since caregiver ratio is much smaller than in traditional institutional settings. (The caregiver to client ratio is 1:5 or 1:6) This gives the caregiver and the client much more individualized time together. Careful personalized attention can be given to the individual senior living in this care setting. Bathing, dressing, putting on lotion and powders, not to mention the warmed up bathroom and the occasional dryer warmed towels, for the client are all done in a manner that preserves the seniors dignity. Often times I hear caregivers laughing with their residents while giving them a shower, I have even heard some singing.

Many seniors bring their furniture from home, pictures from their living room walls, bedspreads, photo albums, their own beds even. Having a piece of home with them helps them to feel more at home. I have been in several adult family homes that even paint the rooms the residents' favorite color. Of coarse the amount of furniture you can bring depends on the size of the room.

Seniors don't have to share rooms in adult family homes. But if they choose to do so, adult family home providers are careful to ensure that there is a good match with the roommate. If you prefer your own private bathroom some adult family homes offer those too.

Activities in the home are individualized to meet each senior's preferences. Some seniors enjoy more activities and are encouraged to visit the senior centers, go on outings, attend church, or other social clubs, do light cooking and gardening. While other seniors enjoy a good book, watching TV, visiting with the caregivers (there is actually a lot of time for this) or just watching the birds through the kitchen window.

Caregivers have a chance to get to know each client's individual tastes. If a client doesn't particularly like roast beef, accommodations will be made. You don't find nursing homes that will change a meal based on a single client's wish. Many adult family homes have their residents help with the menu planning, so everyone gets to participate. Snacks are purchased with the specific individuals in mind. Each aspect of the care is tailored to the individual.

Perhaps the most important thing of all is that caregivers are with your loved one for more than just a shift. There is continuity of care. The person, who manages your loved ones care in the home, is more than likely the one who sleeps in the bedroom right next to them at night. The relationship becomes more personalized. Changes in the clients' status are detected earlier, because a caregiver has taken time to notice. The staff turnover is very minimal. A senior feels more comfortable confiding health problems with a friend rather than a staff member that he doesn't really know.

I could continue, because there are so many more things that make an adult family home a wonderful choice for long term care. If you have any questions please feel free to contact us.

Helping Caregivers Get Comfortable Asking For Help

Becoming a care giver might not have been a conscious decision on your part. It may have arrived quietly and unnoticed because you are the adult child of your elderly parents who now require care or you may have a special needs child that exacts your constant attention or a friend or spouse has become very ill and needs your support. In any of these situations the impact of providing constant care is tremendous.

One of the most difficult things about taking on a care giver role is that feeling of isolation, that sense of being all alone. Often times we think we need to do the job completely by ourselves, that the responsibility lays entirely with us. That's not true. You can ask for help.

Here's a few tips that will encourage you to get comfortable asking for and receiving the help you need in caring for a loved one.

1. First of all, recognize that care giving can definitely become a very responsible, overwhelming and isolating job. And also recognize that it's a sign of strength to ask for help. It means that you understand the situation and have begun to take a proactive approach to making your life better.

2. Your role may be the primary caregiver and with that in mind, it is very important to include your extended family as part of your care giving team. Perhaps your family members could provide some specific help such as handling yard work, preparing some meals, helping with financial issues, taking on the primary role so you can get away on vacation.

3. Write down all the tasks that need to be done on a weekly basis, the ones that you are most concerned about. These may include working outside the home, getting to doctor appointments, driving the kids to after school activities, laundry, cooking, cleaning, filling out forms, picking up medicines, therapy sessions, regular family duties, etc. When you see them in 'black and white' you will quickly realize just why it is you are so tired and why you need to accept any offers of help.

4. Become very aware of your monthly schedule and how others might be able to slip into the caregiver role and give you a hand. Remember, you must be ready to give them a date, time and duties when they offer assistance to you. Make a list of specific tasks that someone else could handle for you. Perhaps it's hands on assistance with personal care for your loved one or providing transportation to an appointment or activity, administering medications, helping with housework, doing the grocery shopping. You may even want to categorize these tasks so it will be easier to help decide who might be the best person for the job.

It's very important for you to learn to ask for and accept help when it is offered. Care giving at the best of times is certainly more than a 'one man job'. Realize just how extraordinary you are as a human being and recognize how important you are in caring for your loved one.

Love, honor and value yourself. Remember, by taking good care of your own health and emotions you will in turn be better able to help your loved one and enjoy a happier, less stressful lifestyle.

What You Need to Know About Helping Senior Citizens

Introduction

The baby boomers is the population which haven taken birth after second world war till 1965 when there was a tremendous increase in birth rate due to the social and economic development in the USA. Now this population is going into the old age and thus bringing a burden to the nation as the country has to take care of not only the food and shelter but also the medical care. Rather medical care is in a way more important as they are prone to many diseases not only infectious because of their lowered immunity but also non -communicable ones such as Diabetes Mellitus, Myocardial Infarction, Stroke, etc. not to speak of those other mental disorders such as Depression, Parkinson's disease, Alzheimer's disease, etc.

Current problem

There is more than 35million population in USA that is more than 65 years as per the latest Census Bureau report. This is nearly 12 % of the whole population and this is supposed to more than double in the next 50 years or so requiring the nation provide for their well-being. At present, it is said, that the disabled and elderly account for only around 20% of Medicaid spending but they account for more than 75% of the Medicaid spending on the prescription medicines. There is yet another set of problems. There is a progressive decline in the renal function of the elderly. The enzymes needed to metabolize the drug are less and have they have sensitivity towards certain drugs. They also have lesser free fluid volume. These and many other factors make the elderly especially susceptible for drug toxicity. Also adverse drug reactions are much more common in the aged population than others.

Buying cheap drugs

There are certain federal and other non-governmental plans available that help the senior citizens to buy the drugs cheaper. These are:

1. Medicaid

When president Lyndon Johnson signed the Medicare and Medicaid act in 1965 it marked a new era for the health care in USA. For a minimum amount, which is called a co-payment or some deductions, one can avail this facility. Nearly all states provide this facility to their population. You just have to fulfill certain their requirements.

2. Drug store discounts

Certain seniors are allowed a discount on their prescriptions, which can help them majorly.

3. Medicare drug discount cards

This is available for that elderly population who are not entitled for benefit under the Medicaid program.

4. Medicare prescription assistance programs

This type of program is available in nearly all states although they may differ in the eligibility requirements.

5. Online buying

People may buy the drugs online through the Internet but the only drawback is that they have to rely on the seller and in that process they may get duped by getting second grade items or by their money.

6. Buying from Canada

Some people prefer to buy their medicines from Canada, which has health policy a bit different from that of USA and hence provides a market for cheaper drugs. FDA does take it seriously if one buys them in small amounts.

7. Charities

There are certain charitable institutions, which help the elderly and the destitute in having their medicines, which at times they, give free of cost.

8. Others like state prescription fund, LCD, prescription drug credit program, subsidies, PAAD, PACENET,

Options available besides drugs

Besides the above options available for getting cheaper drugs there are other options like living in an extended health care facility or long term care facility or assisted living where people can not only live a normal healthy life but also get treatment if the need arise.

Just Give Them a Lot of Love and You'll be Fine

It was right about this time, 19 years ago. My wife and I were sitting in the very last Lamaze birthing class, soon to be brand new parents. I felt a wave of anxiety come over me. I had to ask the question. I raised my hand. The Nurse, her name was Dorinda, pointed at me and said, "Yes, you have a question." Did I have a question? I just knew EVERY Dad was wondering the same thing? "You have given us some great information, almost too much. I am afraid I am going to forget all this stuff?then what?" I could feel the other Dad's nodding. She smiled; she was very wise and patient. She had taught thousands of new Dads. "That's a great question," pausing for effect, she continued, "That little baby doesn't know you don't know. Just give him a lot of love, you will be fine." It turned out to be the best parenting advice I ever received.

When I was a kid, maybe five years old, I have a distinct memory of my father holding my hand at Matthews Beach in Seattle. My head came up to his waist. He was a big man, 6'-4" and 240 pounds. In his day, he was an extraordinary athlete, All-State in three sports. He once scored 34 points in a Regional Final in Basketball. He started playing baseball at age 16, pitching, his Junior year in High School.

He told me the following story one night in Seattle. We were sitting in the brand new Safeco Field watching the Seattle Mariners pound the Cleveland Indians.

By the time he was a senior in high school; pro scouts were at every game. This was 1947 in Ravenna, Ohio. The Indians had the best pitching staff in baseball. One particular scout was enamored of my Dad. He signed a whopping $500 bonus to play for the Dayton Mud Hens, AA team.

His second summer, my Dad got the call. He showed up with the scout to find the General Manager of the team, the owner, a catcher, and an empty Cleveland Stadium. He said to me with a serious tone, "Mark, I threw the best baseball of my young life. I was 19 years old and I was fast. I would guess it came in around 85 miles per hour. I was feeling good about myself. I was on. I gave it everything I had. I just knew they were impressed."

After 20 minutes, the owner stood up and yelled out to me, "Okay, Bob, we are done warming up. Go ahead and show us what you got!" Up to this point while he was telling me this story, he looked straight ahead. To end the story, he turned his head, looked straight at me and said, "I knew right then I would never play in the Big Show."

I was 42 years old when he told me that story. I heard a lot of stories growing up, but that was not one of them. This one was special. He was confiding in me. He trusted me. It was time to bare a little of his soul.

My father was diagnosed with Alzheimer's recently. Everything is changing now. The more I learn about this insidious and horrible disease, the sadder I become. A part of this big man dies a little every day. The burden is carried by my mom. She is hauling a massive load. (for a special story on Alzheimer's, go to www.mattesonavenue.com and click on "What's New!!!" tab to read the story "When the Box is Empty")

I cherish the moments I have with my dad now. I know for him, it's the 9th inning and the manager may be making that call to the bullpen any time now. Grief is a form of energy and must be dissipated somehow in healthy ways or it turns inward in the form of depression or self-destruction. Writing is how I process that grief.

I have captured many memories of my father in my journal the past year. I cry tears of regret, pain, anguish, heartache, sadness, anger and sorrow. Occasionally, when I think of my dad in that empty stadium giving it all he had, I cry a tear of joy. I love my dad.

Now my son Colin is grown. He will go off to college in the fall. 19 years later, that little baby got all the love I had. He is 6'-8", 210 pounds. He is on his way to The University of Alaska at Fairbanks in August to play basketball on a scholarship, a great athlete, a lot like his Grandpa. It's bittersweet. My father and son are leaving about the same time for different reasons. I think I am just going to give them each a lot love before they go. I will be just fine.

The Dryer Ate Your Underwear!

Q: My mom is in the early stages of dementia and she is also incontinent we have tried to get her to stop wearing her underpants and have her start wearing pull-up diapers, she throws the Depends out the door and puts her underpants on. Of coarse we have a lot of laundry! How should I handle this?

A: This one should be fairly easy to solve. You have a few options actually! And hopefully you won't have to try them all!

First, you should take all of the regular underwear away, and replace them with the Depends. That way there is no other option. Hopefully in a few days she will adjust to the change and not even notice the difference.

If that doesn't work you may have to resort to under-handed, underwear tactics.

Sometimes with dementia you have to be a little bit dishonest. Somehow to me it never felt right telling little old ladies, little white lies. But, perhaps you could look at it like you are just stretching things a bit, or since we are Irish, it is just blarney!

One of the only ways to effectively deal with those who have dementia or alzheimer's is to enter into their reality. In your moms' mind, she doesn't have a problem and doesn't need them. In our reality we are smelling the urine, finding wet clothes, the furniture might be getting soiled etc. So here are a few one liners that might help you.

1. Mom we sent the underwear to the dry cleaners, they won't be back until next Monday.

2. Sorry, mom, they had to keep them another week.

3. I'm going to have to call and complain, because it has taken them so long.

4. The ladies' department at JC Penney, told me that they don't make that kind of underwear anymore mom. They only sell this kind.

5. Mom, you are hip! It's what all the chics your age are wearing!

6. Mom the washing machine is broken, can you just wear these until we get it fixed.

7. Mom, the dryer ate your underwear.

8. What underwear?

Get a little creative!

Mom Wont Participate!

Q: Six months ago we placed my mother in an assisted living facility. She gets along fairly well, but we thought she would get involved with all of the activities. Instead she complains that she is very lonely, and won't participate. Do you have any suggestions?

A: There may be a number of reasons your mother doesn't participate in the actives offered.

You may want to step back a bit and assess your mother's situation. Ask yourself a few of these questions

1. What kind of activities has my mother always enjoyed doing?

2. Does my mother enjoy social gatherings now?

3. Does my mother enjoy a one on one visit?

4. Are there health factors present now that keeps her from enjoying group activities?

5. Before my mother needed assistance with activities of daily living was she a homebody or a social butterfly?

When determining what kind of facility your loved is best suited for those 5 questions should be asked. Often times, we as family members think that all sorts of activities would be good for our lonely senior. But, if group activities have not been a part of their lifestyle, it may be hard for them to just jump in a do the activities.

Your mom may just be a slow starter. One thing you might try is scheduling time to go in and participate in a few activities with your mom. This might help her feel more comfortable. If this is the case she will soon be attending activities on her own.

If however she still wishes to remain in her room, and still complains that she is lonely, you may wish to consider further investigation. Perhaps consulting with a neutral, long-term care advisor would be beneficial. I would suggest speaking with someone who is not interested in keeping your mom in their facility at all costs.

While these suggestions are not exhaustive, they will give you a place to begin.

Feeling Lonely?

Q: I hate Alzheimer's disease, not only has it robbed me of my husband, but it has taken my life too! I feel like all of my friends have disappeared. I am lonely, and that makes me feel guilty. Help!

A: What you are describing is very typical for caregivers. No one seems to understand! Your world seems to get smaller and smaller as you care for your loved one.

In order for you to continue caring for your husband you need to get some rest and take care of yourself, and more importantly reach out to others. I know, I know easier said than done.

There are many options for you. The key is to pick something and do it.

Do something for yourself. It is very easy to give all of your attention to the person whom you are providing care for and neglect your needs.

1. Get a manicure

2. Go see a movie

3. Go for a walk alone

4. Try to take a nap, when your loved one is sleeping. Even though it takes up time you have to get other things done.

5. Buy yourself a magazine

6. Take a bubble bath

7. Go to a spa

If you are lonely you should avoid isolating yourself. Perhaps your friends have left because they didn't know what to do to help, simply because you didn't ask them. If you feel uncomfortable asking for support start with small things and work up to bigger ones.

1. Try inviting a friend to coffee or tea

2. Ask a friend to stay for an hour while you take a bath, read a magazine, or go for a walk alone.

3. Call a local senior daycare program and arrange for your loved one to go there once a week. There are programs available in almost every city.

4. Contact a local Alzheimer's support group in your area. These people do know what you are going through.

If you are truly burnt out and at the end of your rope, you should check into long term care for your husband. If you cannot continue to give him quality care, or if your health is deteriorating you may need to look at some alternatives.

Renee "Dutchy" Reeves is an Elder Care Consultant with over 10 years of working with the elderly and their families. Her online advice column, "Ask Dutchy" provides practical ideas and advice for assisting the elderly with Alzheimer's disease, Dementia, Parkinson's, disability, and those needing long term care.

Second Hand Stair Lifts

Buying second hand stair lifts is a viable and cost effective alternative to purchasing a brand new stair lift. Most stair lifts can be purchased new or second hand.

Second hand stair lifts should be every bit as reliable as a brand new lift and most reputable firms will offer the same 12 month guarantee.

The life expectancy of a stair lift should be in excess of 10 years, however, anything much older than this and it is probably not worth using anymore. Stair lift suppliers generally stop making spare parts for the lifts after about 10 years.

Straight stair lifts can usually be adapted to fit another staircase because the stair lift rail can be cut to suit the length of the stair. This means that you can use a second hand rail and motor.

Curved staircases will need a new stair lift rail to be manufactured as it essential to have a rail that is made to measure. It is important that the rail is tight to the stairs and does not cause obstruction to others. A second hand motor and chair can still be used.

If you order a curved rail second hand stair lift, make sure that it is a brand new rail that you are getting. Some companies re-manufacture old pieces of rail to try and get them to fit on a new stair case. Most experts agree that this is not a safe practice. A re-manufactured rail or reconditioned rail will not conform to British Safety Standards. If you are in doubt ask to see a copy of the manufacturers drawing.

Using The Proper Wheelchair Will Make Your Everyday Life Easier

If you have an injury or a health problem that restricts your mobility, you can achieve the independence you desire with a wheelchair that's just right for you. Wheelchairs are constructed for people of every size, shape, and age, and have features designed to meet the many diverse interests of users and appropriate for the various levels of assistance required. Important factors to consider when choosing a wheelchair is the type of terrain and the general weather conditions with which you have to cope. There are wheelchair accessories as well as wheelchair ramps and lifts that will make life easier and more convenient if you experience life on wheels, permanently or temporarily.

The two broad categories of wheelchairs are manual chairs, powered by the users, and electric wheelchairs, powered by batteries. If you have reasonable upper body strength, you will probably be happy with a manual wheelchair, and it is only a matter of choosing one that fits you both physically and in terms of your lifestyle.

A Manual Wheelchair Is Lightweight and Easy to Transport

If you can propel a wheelchair with your arms, a manual chair is the least expensive chair, has no batteries to recharge, and the fact that it is lightweight makes traveling with it and transporting it relatively easy.

1. The standard manual wheelchair has fixed armrests, and footrests that are fixed but can be adjusted up and down. These chairs are built of steel, chrome, or aluminum, and the material used affects both the weight and price of the chair.

2. The detachable manual wheelchair has detachable armrests or footrests or both, and is especially appropriate if you cannot bear weight on your legs.

3. An orthopedic wheelchair is a good choice if you have hip or knee problems because it has a number of elevation footrests, allowing the legs to rest in various raised positions.

4. A reclining wheelchair with its reclining backrest is useful if you have difficulty in sitting upright or need to lie down frequently.

5. A wheelchair appropriate for a child must be suitable for the school environment and social setting of the child, and, if it is for long-term use, must be able to "grow" with the child. This means that it is not only important to find one with removable armrests and footrests, but also one that allows you to replace the crossbrace and the front frame sections.

6. Lightweight chairs vary in weight from twelve pounds to forty-five pounds and were originally designed for wheelchair sports. Today, they have become popular for everyday use because of their cool look and the ease of transporting them.

7. Specialty chairs are built for people who need very large chairs or chairs that can support extra weight, or for people who can propel the chair with only one arm, or whose center of gravity is less common because of leg amputations. There are chairs designed especially for patient in nursing homes; chairs that can be operated by programmable joysticks, head controls, or are voice activated; and chairs for indoor use only. No matter what your special needs are, you can find a chair that is right for you.

A Power Wheelchair is Great if You Need an External Power Source

If you have limited strength in your arms, an electric wheelchair will supply that power for you. Power wheelchairs use either gel cell or wet cell batteries that require regular recharging, and there are several different styles of chair depending on where the battery is mounted. It can be under or behind the seat, on a pedestal mounted on a power platform, within a round platform with the seat fixed to it, or as power-pack attachments, allowing a manual chair to be converted to a power chair. There are also electric scooters for anyone whose difficulty is limited walking and standing ability.

A power wheelchair have a number of disadvantages compared to manual. They are bigger, heavier, and bulkier than manual chairs, and certainly more expensive. They are also difficult and expensive to transport and require regular battery recharging. The advantages, however, far outweigh the disadvantages when they contribute to your well-being. Power chairs are easy to propel and preserve the user's strength and energy for other activities. They also reduce the pain and wear and tear on arms and shoulders from daily use. Power chairs permit continued activity and quality of life even if there is a decline in your body's function. Not only that, but they have become sportier looking (e.g., like the Jazzy power wheelchair), and are no longer as big and bulky as they once were. As well, some models can be folded or disassembled for ease of transport. Check out the recent changes in power chairs.

To reduce the cost, powered wheelchairs can be purchased secondhand, but remember that a used wheelchair doesn't have a transferable warranty from the manufacturer and the price should reflect that fact. If you have a disability, you can often receive assistance in purchasing a needed wheelchair through various charitable organizations, or can have part of the cost covered by your medical insurance. Make your needs known.

Good Wheelchair Accessories Make a Huge Difference in Comfort and Convenience

A good cushion for your wheelchair turns an uncomfortable or acceptable chair into a great chair. The cushion must assist the user in maintaining correct posture to help prevent pressure sores, and allow for good respiration and circulation. There are three main types of cushions:

1. Air floatation cushions are light and waterproof, but are subject to punctures and leaks, and the air pressure has to be checked regularly.

2. Foam cushions are lightweight and inexpensive and available in a range of densities. Unfortunately, they wear out faster than the other two styles and will lose their shape over time.

3. Gel cushions are heavier than the other two styles but are very comfortable. Make sure, however, that you don't buy a product that allows the gel to shift out to the sides, which will cause the cushion to lose its shape.

Other accessories for comfort and convenience are mounting systems to hold communication devices and laptop computers, and restraint systems for securing a wheelchair in a car or van. There are also support aids to assist people to sit upright, to prevent slipping from side to side, and to support the head. Also available are gloves, seat covers, and arm, elbow, and leg pads. There are wheelchair locks and covers as well as car hand-controls and driving controls.

Wheelchair ramps, hoists and lifts allow wheelchair access to buildings that have not been constructed for wheelchair use, and there are automotive lifts and ramps for cars and vans. There are permanent, semi-permanent (using bolts), and portable ramps, and they operate electrically or with hydraulic systems.

You can find information about wheelchairs of every type and style, both new and used, on the Internet. There is a wonderful selection of wheelchair accessories, replacement parts and batteries, exercise equipment, and wheelchair lifts, ramps, and even plans for anyone willing and capable of building a wheelchair ramp. Shop, compare, and order with confidence online. On the Internet, you can find the wheels you need and the means to travel in comfort. Your wheelchair should liberate you; make sure you find one that does.

Retiring Abroad and Leaving the Grey Skies of the UK

Retiring abroad needs careful planning. Not all countries have the same entitlement to benefits as the UK and your tax liability may be affected. UK nationals have the right to retire in any European Economic Area (EEA) country. If you intend to move to any other country, you should speak first to the British Consul in that country and its foreign consulate here in the UK.

If you are planning to retire abroad, here are some things to consider: Calculate your retirement income.

Contact the Retirement Pension Forecasting and Advice Unit (RPFA) for a state pension forecast. If you are living abroad then the Inland Revenue can help. Entitlements can vary according to the country of residence Ask the Inland Revenue for information about tax liability on any income over the UK personal allowance. The amount of UK tax you will have to pay from abroad can vary depending on where you decide to live. Seek independent tax advice about any benefits to you held in offshore banking, as this could reduce your tax liability depending on where you plan to live.

Find out about welfare rights abroad.

Some UK benefits are not payable outside the UK, others apply only in the EU or in countries which have agreements with the UK Inform your social security office or Jobcentre Plus, the Inland Revenue National Insurance Contributions Office (International Services) and the Department for Work and Pensions when you move and provide your contact details abroad. You should also tell them if you change address again or return to the UK Find out about health care costs in the country you want to retire to. The Department for Work and Pensions will be able to advice on your rights in EU countries.

Taking care of your health, the most important aspect of preparing to live abroad

Health Care Abroad: There is nothing more important than your health so it is essential that you plan for any eventualities that may occur whilst living abroad. The UK government strongly advises that you take out health insurance to cover private medical and dental treatment, as well as medical repatriation.

Keeping your home in the UK

If you are decide to keep your property in the UK and it is going to be empty or rented out, you will need to let your local council know, and you will also need to look at how the property can be kept secure while you are away.

Contact your local council. The council tax department and the electoral registration unit will need to know when you are planning to move and a forwarding address

The Bills

Notify your utility companies that you are moving in order to get your final bills and provide a forwarding address for them to send you any outstanding payments or refunds tell your bank, building society or any financial institution that you have a policy or agreement with that you are moving abroad have your mail forwarded by asking for a redirection form from the Post Office.

The Golden Years

1) What does Adrian Mitchell say we do to people when their working lives are over?

Adrian says that "when a man's too ill to work we punish him", rob him of half his income or replace it with "pocket money" and or place him in a retirement home to sit out the remainder of his live in isolation.

2) What does he think about this?

Adrian thinks that "the old people are being robbed" and says "to hell with retiring" he believes that the way that deal with old people (to have your ability to sport yourself removed and then being given "pocket money"). is an insult; He thinks that this is backboards, that the retired should have more money that before retirement.

3) Describe the impression he gives of retirement homes?

In the image of the text, a retirement home is a "basement", a dilapidated old building with "fungus" growing up the walls.

Nothing happens or ever moves "except the raught and the light and darkgrey figures" and the cat. A place where the "food" is so bad that an animal would reject it, a place where what is not dead is waiting to die, if not from the effects of time, but from the lack of stimulation.

3) How would he treat old people?

Adrian would give the retired "the freedom they always heard about", give them the money to live out the remainder of there lives in comfit and dignity.

4) The poet uses exaggeration to make his point. Find a couple of places where he does this and describe the effects it has.

[1] The description of the food available in retirement homes "the meat tastes of feet".

[2] The description of the type of activities that we should offer the retired "Print her a ticket to the universe, let her slum-white skin be tanned by a dozen different planets"

Such exaggerations like the above, make the text more interesting to read as apposed to using factual arrangement alone, give the text more substance as they offer the rearer points of reference to which they can relate to.

They also draw attention to the opinions of the writer (the food being bad and that the retired should be given the means to do as they please), being out of content in relation to the waiting they stand out.

The Best Investment You Can Make Right Now: Long Term Care Insurance

Don't think you need it? Consider this: a full 50% of Americans over the age of 50 will need long term care at some point in their lives. The average cost of nursing facility care (or home health care assistance) is $61,000 per year, and the average stay in a long term care facility is 2½ years. Can you think of a faster way to decimate your nest egg?

Or look at it this way: you would never go without homeowner's insurance, would you-even though the chance of a house fire is just one in 1,200. Yet according to a recent study, if you are age 65 or over, you are ten times more likely to find yourself in a nursing home this year as you are to have your house burn down.

So if haven't looked into Long Term Care Insurance-or LTCI-now is the time. Become an educated consumer. Find out how it works and what it covers, so you can determine if it is right for you. This overview will get you started.

What Exactly Is Long Term Care?

Long term care is the assistance you may need if you become unable to care for yourself because of prolonged illness or disability.

Generally, a person becomes eligible for LTCI benefits when he or she is unable to perform any two of six "Activities of Daily Living" (bathing, eating, dressing, toileting, continence, and transferring-say from a bed to a chair). People with Alzheimer's disease or severe cognitive impairment are also eligible and those who receive doctor-certification that they require care for at least 90 days.

LTCI provides coverage for such care, whether received in a nursing home or in your own home. In fact, one of the advantages of LTCI is that it allows you to make your own healthcare choices-such as electing in-home care that permits you to remain at home.

No, Medicare Doesn't Cover It!

One of the myths of long term care is that Medicare will foot the bill. But Medicare pays for just a very small percentage of nursing home care, and eligibility is very restrictive. (For a nursing home stay, Medicare requires that you must be hospitalized for at least three days and must receive skilled care daily. In addition, you must enter a Medicare-approved facility and stay in a Medicare-approved bed.)

Here's how it works: Medicare covers all eligible expenses for the first 20 days. For days 21-100, you first pay a co-payment as of 2005 is $114.00 per day; Medicare pays the difference. After 100 days, Medicare ceases to pay altogether.

In other words, Medicare is designed to cover short term recuperative care. But for most long term care patients, the average period of care exceeds 900 days. And unless you are impoverished and qualify for Medicaid (public aid), you are responsible for those staggering bills. That's where LTCI comes in.

What's the Best Time to Buy?

The best time to buy, quite simply, is now. The younger and healthier you are, the more insurable you'll be-and the lower your premiums. Already in your 70s? If you're in fair health, chances are you'll be able to obtain coverage. You won't know unless you ask, so by all means ask.

Here's a good thing to know: once your policy is in effect, premiums never increase due to changes in your age or health. Premiums remain level unless your insurance carrier raises premiums for an entire class of policyholders in your state. Most policies are guaranteed renewable, which means that the company cannot cancel the policy or reduce benefits regardless of age.

Another excellent reason to buy right now: you'll have the protection in case you need it.

What Should I Look for in a Policy?

Believe it or not, LTCI has been around for more than 30 years. During that time, policies have evolved to become quite sophisticated. As a result, there are a number of plan design features you'll need to consider when evaluating a plan:

Coverage: A good LTCI plan includes coverage for nursing facility care, home care, adult day care, assisted living facility care, hospice care, and homemaker or companion services. In addition, the plan should cover your pre-existing conditions and offer complimentary care management and consultation, which can be invaluable in mapping the course of care.

Daily Benefits: LTCI benefits range from $100-$500 a day. Your choice should be driven by the cost of living in your area. Find out the actual long term care costs in your region, and use that knowledge to determine your benefit. (Your insurance agent should be able to provide this information.) And don't forget to consider inflation! Will the benefit you choose today be viable ten years from now? Because healthcare costs are rising faster than the cost of living, you may wish to purchase an optional inflation rider, which automatically increases your daily benefit at regular intervals.

Benefit Duration: Most LTCI carriers offer a choice of two, three, four or five year benefit durations, as well as an unlimited duration. The longer the benefit duration, the higher the premiums. Consider your age, health, and budget when choosing a benefit duration.

Insurance Carrier: Don't be tempted to save a few dollars by purchasing coverage from an unknown quantity. When evaluating insurance carriers, ask for their industry ratings. Rating services such as Standard and Poors and A.M. Best evaluate insurance carriers based on their financial condition and claims paying ability. A strong, solid company will be eager to provide you with its current ratings. A number of solid, reputable insurance carriers-such as Met Life, Genworth, Prudential, John Hancock, and others-offer LTCI. Trust your instincts.

How Much Will LTCI Cost?

Premiums vary according to your age, health, and plan design.

How Do I Get LTCI?

LTCI is available on both an individual and group basis. If you are working, ask your employer if your company offers a plan. If not, ask if your spouse, children or even your children's spouses can obtain LTCI at work. Group LTCI coverage is often available to extended family members.

Otherwise, find an independent agent who specializes in LTCI. An independent agent represents multiple top-rated companies, so he or she can find the most competitive plans. In addition, a knowledgeable agent will be able to answer your questions and help design the right plan for you.

As the Baby Boomers Age

Many employees today are calling in sick - not to care for themselves or their children, but to care for their aging parents. Baby boomers are rapidly moving into the role of caregivers for their parents, but with a few extra challenges due to the changing face of our workforce. Nearly 25% of U.S. households are now involved in caring for a senior family member, spending an average of 20 hours a week in caregiving services. Nearly 65% of those individuals providing the caregiving are employed outside of the home. According to the National Alliance for Caregiving, approximately 15 million days of work per year are lost due to these circumstances. These numbers are forecasted to increase since the longevity of life is being extended by modern medicine.

The workforce is also aging with more people moving toward retirement age and fewer young people filling the ranks. The median age of workers has risen by five years since 1986, making the average worker 40 years old. Women in this age group, who are primarily the caregivers for their parents, continue working full time in order to support their family, pay their children's college tuition, or save for their own retirement. These situations are even more compounded because many baby boomers have relocated away from their senior family members to pursue job opportunities.

Another issue facing baby boomers and their families is the cost of care for their senior family members. Many members of the sandwich generation will be shocked to find out what the cost of prescription medications really run, especially since many of the medications are not covered by Medicare. This will cause many retired seniors and some baby boomers to continue their pursuit of a career, and not enjoy their Golden Years.

When faced with these issues, it is always best to have some future plan in place. Do not wait until mom or dad is in the critical care bed or is being discharged from the hospital. Here are a few suggestions for the potential or current caregiver to contemplate:

1. Talk to your parents and/or family members before a crisis. This will help you and all those involved to truly understand their wishes. Discuss with them the topics of Medicare, health insurance, long-term care insurance, and if they have other important legal documents regarding medical treatment (i.e., Living Will, Durable Medical Power of Attorney, etc?).

2. Locate any community resources that may be available to you and your family. The Valley of the Sun has numerous services available for the elderly (i.e. Area Agency on Aging, Meals on Wheels, Adult Day Care Facilities, Housing, etc?). You can access many of these services via the local hospital or skilled nursing facility discharge planners, senior citizen centers, or even the local clergy.

3. Ask your employer if they can help. Many employers are willing to help employee caregivers in order to retain valuable workers. Find out if your employer offers paid leave benefits for flex hours. Some employees are even beginning to include long-term care insurance or caregiver respite programs in their benefit package.

4. Ask friends and family for help. Ask them what experiences they have had with some of the community services. Many of these people may have already gone through this and can be of assistance.

5. Talk to your local clergy. Many local churches and synagogues have family assistance programs or have access via their denominations. If these services are not available, most clergy are familiar with what can be obtained by you or your family.

Caring for our aging parents may be one of the more challenging roles we undertake in our adult lives. With forethought, consideration and a little planning on everyone's part, it can actually have a more positive outcome.

Hearts of Joy Senior Care provides an affordable, non-medical, in-home companion care service for seniors, which enables them to maintain their independence, as well as dignity and self-respect. Marc and Susan speak around the valley on numerous topics regarding senior care, with a primary focus on fall prevention and home safety. Hearts of Joy Senior Care Inc. can be reached at (480) 948-4655.

The Right Wheelchair Accessories Will Ease Your Life and Your Journeys on Wheels

Wheelchairs come in every shape and size with sufficient options that you can find the wheels you like to take you where you want to go with the assistance you need. To enhance the comfort and convenience of your journey, choose accessories tailored to provide the best support for your activities and your health concerns.

A manual powered wheelchair is a good choice if you have reasonable upper body strength, but electric wheelchairs are preferred by people with upper body impairments. A manual chair could be suitable for years, but increasing age, pain, or fatigue might make it clear that it is time to switch to a motorized chair and save the wear and tear on your body. If you are an active sportsperson, you'll want a lightweight manual; if you live in an area with rough terrain, you'll need wheels and tires that are up to the job. For people whose problem is simply limited ability to walk or stand for long periods of time, motorized scooters are probably the preferred choice. Once you have considered your needs and made your chair selection, check out the wonderful choice of wheelchair accessories that can change your ride from good to great.

The Perfect Cushion is a Necessity not a Luxury

A good seat cushion for your chair is too important to be considered a luxury item and you should find one that fits your requirements exactly. A good cushion can save you not only from pressure sores but also from the incorrect posture that can generate a variety of back and neck problems. If you have a neuromuscular disease, respiration, circulation and swallowing are also concerns that need to be addressed by correct posture, which means being supported by a good cushion.

1. Foam cushions are the least expensive, are lightweight, and are available in a variety of densities. You can also cut and trim them if pressure problems develop. They will, however, lose their shape eventually, which, in itself, can create pressure problems.

2. Air floatation cushions will give you even pressure distribution and some models can be inflated to the exact height needed. You can purchase them as single-chamber cushions or dual-chamber cushions that allow the sides to be at different heights. They are lightweight and waterproof, but can, however, develop leaks or punctures. The pressure should be checked regularly.

3. Gel cushions are particularly comfortable and distribute pressure very evenly. They are heavier than foam or air, however, and it is important to check these products to make sure the design you are considering will not allow the gel to push out to the sides and cause the cushion to lose its shape.

A Wheelchair Ramp Gets You to Where You Want to Be

We've come a long way, baby, from the days when it was difficult or impossible for wheelchair riders to gain entrance to most public buildings. There are now ramps, enlarged doorways, at least one large stall in most public restrooms, and areas in the parking lot designated for handicap parking. There are older buildings, however, that have not yet made accommodation for mobile chairs, and, of course, most private homes are difficult to access with a wheelchair. You will need to travel by car or van on occasion, which means you need some kind of ramp, lift, or hoist to use with the vehicle, and a lift in the home may be necessary for a wheelchair user to access an upper floor. Fortunately, there is a wide range of new and used lifts, ramps and hoists, and you should be able to find a suitable product among the many wheelchair accessories available for any situation you encounter.

The term "permanent wheelchair ramp" is self-explanatory; "semi-permanent" means that it is assembled using bolts, which, of course, can be loosened so that the ramp can be moved and used elsewhere. A portable ramp can be folded or rolled up and will have some kind of carrying case - one model has suitcase handles. Ramps can have such safety refinements as side rails and non-skid tracks. You can select portable ramps that are suitable for use with thresholds only or for use with minivans. Van ramps are less expensive than lifts, fold in half, and are stored vertically.

Wheelchair lifts will have either electrical or hydraulic operating systems. Hydraulic lifts have the advantage of working even when there is a power outage, and they will provide a smooth and fluid ride. Electric lifts are cheaper, are quiet and comfortable, and can be fitted with automatic door openers and even telephone jacks. Make sure you choose one that has a battery for use in case of emergency. Stair lifts are very convenient and popular for home use and for accessing ordinary cars, and are easy for one person to operate. Automotive lifts can be quickly assembled and taken apart.

Other Wheelchair Accessories Provide Additional Comfort and Convenience

Wheelchairs provide independence and mobility, and, with the right wheelchair accessories, will maximize comfort, convenience, safety, and quality of life. These items might include:

1. Mounting systems for communication devices and laptop computers

2. Restraint systems for securing your chair in order to transport it in a car or a van

3. Adjustable hand controls and driving controls

4. Support aids:

* to help in sitting upright

* to prevent slipping from side to side

* to support the head

* to elevate the legs

5. Wheelchair locks and covers

6. Protective pads for arms, elbows and legs, and gloves for the hands and cushions for the back

7. Voice activated wheelchair controls

Take Advantage of Easy Online Shopping

Compare costs and find the best price for the right product online. Whether you need a wheelchair ramp and accessories, or equipment for adapting your chair for growth or loss of body strength or mobility, the Internet can be your best source of product information and cost comparison. Technology is always changing, and there are new products available to make your life easier every year, no matter what medical problems you have. Order replacement parts for your chair, such as batteries, tires, and wheels, as well as new or old and familiar products with confidence from the convenience of your home. We can help keep you independent and on the move with wheelchair accessories that are just right for you.

Local Businesses Serving Seniors Prove Commitment to Quality Care

Good news! You no longer have to risk chance when it comes to selecting a reputable elder care service for yourself or for a loved one. Senior Approved Services has certified a select number of businesses in our area serving the elderly and disabled populations.

Senior Approved Services was founded as a method to actively advocate for the right of all seniors to receive excellent quality care and most importantly, remain safe in the receiving of that care. Rather than report and warn senior citizens of known unsafe services (products and resources), they take the positive approach of highlighting businesses that are willing to prove that they deliver what is promised.

"No one should have to risk the safety of their loved ones when it comes to selecting a service," states founder and president of Senior Approved Services, Barbara Mascio, a devoted advocate for seniors.

Families that want to secure an in home care service, an elder-law attorney, financial planners, long-term care health insurance representatives, bill-paying services, general handyman and cleaning services, adult group homes, adult day services, assisted living facilities, specialized Alzheimer's and dementia care services, self-help books, health care directives and living will services, alternative healing practices (including stop smoking programs), elder mediation, home medical equipment, and so forth - can now select the best of the best through the exclusive network of Certified Senior Approved Services.

Seniors and those searching for verified excellent services access this valuable program free of charge by visiting www.seniorsapprove.com or by phoning 216-883-3163 during business hours.

Businesses that offer a product, resource or service for the senior citizen (or those with disabilities) may apply for certification. It is proof that they indeed put the client first. "We're responding to three years of research and focus group studies," offers Barbara, referring to results that clearly show the consumer of elder care services wants an unbiased third-party entity to verify the history of care and service.

In the last twelve months alone, Senior Approved Services has received nearly 3,000 inquiries from families that have asked to be connected with a Certified Senior Approved Service. "I only hope that other business owners serving this precious population will respond and request certification so that we may continue helping seniors avoid services that are known to be less than desirable," affirms Barbara Mascio.