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Two small companies are offering to buy life insurance policies at a percentage of face value.
Two small companies are offering to buy life insurance policies at a percentage of face value.
about 2 hours ago
Debra Drelich, a specialist in geriatric care, will answer questions about assisted living and other living arrangements for aging relatives.
Debra Drelich, a specialist in geriatric care, will answer questions about assisted living and other living arrangements for aging relatives.
about 4 hours ago
This is another shot of my dear friend Orren in Santa Fe. Check out his incredible home HERE.
This is another shot of my dear friend Orren in Santa Fe. Check out his incredible home HERE.
about 5 hours ago
Besides being hurtful on an emotional level, a 2002 Yale University study on “elderspeak” revealed this startling result: it hurts life expectancy too.
Besides being hurtful on an emotional level, a 2002 Yale University study on “elderspeak” revealed this startling result: it hurts life expectancy too.
about 6 hours ago
Your mom and dad are showing signs that they are not acting as sharply as they once were, and you are slowly noticing the change. Dishes are starting to pile up, hygiene is beginning to decline and your parent or elder is starting to for...
Your mom and dad are showing signs that they are not acting as sharply as they once were, and you are slowly noticing the change. Dishes are starting to pile up, hygiene is beginning to decline and your parent or elder is starting to forget normal routines, monthly bill payments or their usual doctor appointments. Because you do not live with them, you are concerned the little signs are indications of larger issues. As we age our state of mind and physical condition changes and making adjustments guarantees a safer, more comfortable and happier living condition. Starting the Conversation Regardless of the state your senior is in, discussing caregiving options early on and jointly is vital. Your conversation approach should come from a calm, understanding place where you highlight the advantages and specific reasons to why you think additional help is necessary. Outlining and examining what they want compared to the needs you anticipate should bring all pieces to a level playing field. Shift to a more emotional method if your mom or dad becomes hostile. Really explain your worries and if you already act as the family caregiver, tell him or her how the stress is starting to affect your own life. After coming to some form of agreement, it is time to decide on the best caregiving service. Discussing Options  The aging population is growing rapidly, and the senior care industry is creating numerous solutions for families in need. Assisted living, nursing homes, in-home care, adult day care and respite care are all options to consider. It can sometimes be difficult to make the smartest choice, but that is why the whole family’s opinion needs to be considered. AARP asked baby boomers about their most desired location as they aged, and 80% of participants stated they wanted to stay in their own home instead of an assisted care facility. Staying at home is usually the most appealing due to the desired need for independence, and your family may prefer this solution. In-home care is the option that most greatly affects the entire family, and having a plan will make the transition go smoothly. How In-Home Care Affects You In-home care can come in three forms. The first circumstance is where the senior moves into your home. The second is where you check in on your mom and dad at their home. Finally, the third option includes the first or second option with additional respite care from a third party provider. Accommodating an additional person in your home affects your family. Rooms can be reassigned or your home may need remodeling for handicap accessibility, an extra room or a new user-friendly bathroom. Safety elements also need to be reviewed in your home’s current state. Emergency response systems, fall sensors and 24-hour monitoring structures are some of the common safety precautions installed in the home. Financial changes also need to be considered in all three types of in-home care. Home remodels, food, respite care, transportation and many other expenses could be subtracted from your household’s income. However, time is often the most overlooked element to in-home care services. Juggling your own personal life and household against added doctor appointments, mealtimes and errands can be difficult. Two schedules can be stressful on a family caregiver, so making sure the entire family is on board will also reduce the stress by finding the gaps between schedules. Why Open Communication? Taking on the responsibility and role of family caregiver is life changing. Resentment, hostility and stress-induced arguments can arise. Keeping the lines of communication open can reduce the negative tension between family members and help manage your new family dynamic. Working efficiently as a family allows things to run smoother and make for a happier home. For any additional questions, please contact us in the comments below. About the Author: Kym Clark, RN, BSN, CLNC, CSA is the Director of Home Care Services and Quality Administration for Com
about 6 hours ago
about 11 hours ago
(Photo Details:  Last weekend, celebrating my friend's 50th birthday on the Lagoon at Stinson Beach, CA.  Can anyone guess the relevance to Obamacare?) Last week, I thought I’d be blogging about my experience sh...
(Photo Details:  Last weekend, celebrating my friend's 50th birthday on the Lagoon at Stinson Beach, CA.  Can anyone guess the relevance to Obamacare?) Last week, I thought I’d be blogging about my experience shopping for health insurance on the exchange.  In what I interpret as a good sign, it’s taken me one week to be able to get to the “apply” section of my state’s health insurance exchange.  It looks like a lot of people are looking to get themselves insured, and I’m glad about that.  Apparently I was one of over five million people shopping on the California exchange last week. From the second day, I was able to review my choices, compare prices and coverage, and select the plan that I wanted.  But until yesterday I was unable to actually submit my application.   Yesterday, my application was accepted, but I haven’t been able to purchase the policy of my choice just yet.  Maybe later today—I’ve still got a couple months, so I’m not worried.  Here’s what I’ve learned so far. Should you even care? If you have health insurance at work, no, you shouldn’t care.  Don’t bother reading any further. If you are retired and on Medicare, you shouldn’t care either.  Stop reading here. If you are retired and have retiree health insurance through your former employer, you don’t care either.  Go read a good book. If you are on Medicaid, you shouldn’t care either.  Follow the instructions above. That doesn’t leave many people who still care, I know.  But for those of you that are retired or are thinking about retiring before you are eligible for Medicare, read on. Old rules Up to now, when you retired (or otherwise found yourself without a job), I would have advised you to sign up for health insurance through COBRA.  It’s an expensive option, but it was the only way to guarantee that you could get health insurance.  Then, while you had the safety net of COBRA coverage, you could shop for an individual policy on your own. Two problems existed if you went out on the open market to buy an individual policy outside of COBRA.  The first was that you wouldn’t know the actual price of your policy until you went through underwriting.  The second was that at the end of the lengthy underwriting process, the insurer could decide not to insure you anyway.  So it was a cumbersome process, to say the least. New rules Now you can shop for an individual policy, compare the actual prices, and actually wind up with a policy at the end of your application process. Do I have to buy my insurance on the exchange? No.  You don’t have to buy insurance on the exchange.  In fact if you wish, you can shop and compare providers, coverage, and prices on the exchange.   Then when you find coverage you like, you can go directly to that insurer and buy it through them, avoiding the exchange application process all together. Or you can go through a broker (or on-line broker like ehealthinsurance.com) and do the same thing.  However, if you qualify for subsidies under the new law, you must buy your insurance on the exchange.  On the other hand, even if you don’t qualify for a subsidy, you can still buy your insurance on the exchange, if you have the patience to wait a week or two. Here is where you should start if you will be shopping on the exchange. I assume this is the same in all states, but all of the policies I found on the exchange are the exact same policies I found on the individual carrier websites: same policies, same prices, same provider networks. Can I still go to my doctor? This issue was the most important factor to us, even over price.  When you shop
1 day ago
A new Web site aims to connect seniors and caregivers to community dental services.
A new Web site aims to connect seniors and caregivers to community dental services.
1 day ago
From one project to another:ghosts (inspired from Marie Claire Idees)and a black cat.And a wire and wool wrapped dog in progress.My friend Thomas is back in Shanghai. Of 42 competitors he received the highest score! The eldest Ma brothe...
From one project to another:ghosts (inspired from Marie Claire Idees)and a black cat.And a wire and wool wrapped dog in progress.My friend Thomas is back in Shanghai. Of 42 competitors he received the highest score! The eldest Ma brother, Ma Hailong presented his medal.If you are familiar with Wu style tai chi,this is impressive!source of cool elastic!and some projects here
1 day ago
I created Advanced Style to start a dialogue about aging and to show a positive and uplifting image of getting older. It's equally important to show how older people confront the struggles and difficulties that accompany the aging ...
I created Advanced Style to start a dialogue about aging and to show a positive and uplifting image of getting older. It's equally important to show how older people confront the struggles and difficulties that accompany the aging process. Artist, Ilona Royce Smithkin lifts the spirits of everyone around her. She was kind enough to share some incredible insight into how she deals with physical pain. We can all learn from her inspiring words below: Everyday something unexpected happens to our bodies. I fight everyday to get up and out of bed.When I feel a pain somewhere I tell my body, "I'm so nice to you, what do you want from me?" And I tell myself a little story or joke and remind myself of the times when I was in worse pain, and how lucky I am today, and the pain begins to go away. I tell myself that this isn't the first time, or the last time that I will feel pain and begin to occupy my mind with other things. You must get involved in things outside of the pain, things that give you interest. All these things are a part of life. We all feel pain and unpleasantness. As long as I can seduce myself to enjoy all kinds of things, like in the morning enjoying the first cup of coffee, or piece of chocolate the pain begins to diminish. I give myself nice things to look forward to, throughout the day. The moment you give in and let yourself get dragged down by misery you are closer to death.
1 day ago