Archive for August, 2012

7 Tips for Caring for A Loved One at Home

Insurance Quotes is just on a role! Here is another article they sent us to have featured on the site. Thank you guys so much, glad you like the blog!

As your parents age, it is possible that despite any health issues, they will be able to remain in their home, so long as there is some kind of additional care in place for them. And it usually falls upon family members to provide that additional care. As the child or other relative of a family member who needs in-home health care, the prospect of providing what amounts to long-term care can seem overwhelming. Where do you even start? The following seven tips will help you and your family members formulate a plan for in-home care of a loved one. Note that if in-home health care is ordered by a doctor, Medicare and long-term care insurance can cover some of the costs. Visit Medicare’s website for more information.

  1. Talk to your loved one:

    This isn’t always the obvious first step when it comes to coordinating home care for a parent or other family member, but put yourself in their shoes, and you’ll probably agree that you would prefer to be talked to than talked about. A loved one may be concerned that they’ll become a burden to their family or that they’ll lose control of their day-to-day life. With this in mind, always encourage the person in need of care to voice their concerns; let them know they will be included in any decisions that need to be made regarding their home and health. Tips for this important family meeting are available on the website.

  2. Learn your loved one’s medical history:

    At this stage of your parent or loved one’s life, you may not be fully aware of his or her medical history and needs. Take time to speak to your loved one’s doctors so that you are fully aware of any existing medical conditions, recurring health issues, and prescribed medications. Know the side effects of any medications, and plan to address any sudden changes in your loved one’s condition that may result. And again, keep your loved one involved in these discussions, keeping an open mind, even if you both disagree with how to address a medical issue.

  3. Create a financial profile:

    Obtaining a loved one’s financial information may be awkward, but it’s crucial to have, especially as the loved one ages and their health needs continue to change. Have an up-to-date record of any income, including Social Security, pensions, and disbursements from investments. Create a “one sheet” that lists bank account numbers, Social Security numbers, credit cards, and any health and life insurance policies. You and your loved one may want to open up a joint checking account so that you can assist with bill payments.

  4. Consider outside help:

    One common mistake family members make when it comes to caring for a loved one is attempting to do everything by themselves. There’s only so much time in a day, and your schedule may not allow for the time needed to provide comprehensive, high-quality home care. To help with this, consider hiring a home health aide. Home health aides work for agencies that are regulated by state and federal laws, are generally supervised by a medical professional, and are paid through Medicare and Medicaid. Other options, depending upon the needs of your loved one, include in-home therapists, or a neighbor who can assist with simple domestic tasks.

  5. Install handrails and safety rails:

    Here’s a task that’s a bit easier than gathering medical and financial information. Install handrails along stairs and in bathrooms and safety rails in showers and tubs. As a person ages, day-to-day tasks can become physically challenging, and rails prevent accidents that may result. Consider other simple additions to your loved ones home that can help ensure their safety, such as bright lighting in hallways and basements and smoke and CO2 detectors installed throughout the home.

  6. Install phones with large number pads and digital clocks:

    Large number pads on phones, the television remote control, and thermostat are helpful to a loved one whose vision may be impaired or simply not as strong as it once was. Digital clocks, especially those with larger LED displays, are also helpful, since traditional three-hand clocks might become confusing to read over time.

  7. Plan a menu and schedule exercise:

    As your loved one ages, they may express less interest in eating. Medication and poor oral hygiene may be to blame, along with fatigue. Consider collaborating on the creation of a weekly menu that is well-balanced and includes food from all five food groups. If your loved one is recovering from a medical procedure or operation, consult with a doctor or nutritionist to determine which foods in what quantities are most helpful for a speedy recovery. In addition to maintaining a good diet, make sure your loved one is getting some kind of physical exercise.

7 Myths About Getting Old recently shared this article with us that they released, and we agree that it is perfect for this Site! I hope you all enjoy. Thank you again for the piece Lifeinsurancequotes! Check them out as well!!!

7 Myths About Getting Old

August 13, 2012 by Staff Writer

Our country is getting grayer. The number of senior citizens in the U.S. has increased in the past decade to the point where baby boomers — those born between 1946 and 1964 — now account for a quarter of the population. And life expectancy, along with what doctors describe as our “active lifespan,” is predicted to increase by another two years in the next decade. There are also more seniors in the workforce as boomers elect to continue working past retirement age, although this is due in part to the recent economic downturn, as well as the financial shortcomings of Social Security. The welcome presence and valuable contributions of elderly Americans is helping to debunk some common myths regarding seniors and the aging process. Here are seven such myths that have been disproved.

  1. Old people are either cranky or depressed:

    The grumpy old man is a caricature we can’t help but laugh at, even as we ourselves continue to grow older and turn into that man. But interestingly, the age group that is most prone to stress and depression is the 20-something demographic, whereas many studies confirm that people actually become happier as they age. Older adults understand how much less stressful life is when you “don’t sweat the small stuff” and are adept at letting go of disappointment and regret. As people age, they also often make a conscious effort to participate in life-affirming activities and to be among people who lift their spirits.

  2. Growing old means getting sick:

    The human body does slow down as it ages. However, sickness, especially serious sickness, is not part of the aging process. In fact, a recent study of a group of seniors by the New England Centenarian Study at Boston Medical Center showed that more than 40% of those who lived to be 100 did not suffer from age-related sicknesses until they reached the age of 80. And 15% of those studied had no age-related illnesses at all by the time they hit 100.

  3. Senility is inevitable:

    Senility is a broad, ultimately unhelpful term used to stereotype the behavior of senior citizens. At best, it may describe the symptoms of dementia, a non-specific syndrome that actually affects people of all ages. Alzheimer’s disease is a form of dementia that predominantly, but not exclusively, develops in old age. After the age of 65, the risk of developing Alzheimer’s doubles every five years. However, dementia is often misdiagnosed as part of the aging process, when in fact symptoms of dementia can be caused by medications, malnutrition, alcohol abuse, and thyroid, kidney, and liver disorders. While it is true that one in eight older Americans have Alzheimer’s disease, dementia is not an inevitable result of getting old.

  4. Old folks don’t have sex:

    Well, OK. After the age of 75, you’re going to slow down just a bit, no matter what Hugh Hefner would have you believe. But getting older doesn’t mean you stop having sex entirely. Seniors can have healthy sexual relations as long as they wish. Given the fact that regular exercise and a healthy diet benefits the libido, and in turn, sexual relations make for a healthier, less stressful life, shouldn’t folks interested in (ahem) longevity make every effort to keep getting it on in their golden years?

  5. Seniors are incapable of learning anything new:

    When it comes to experience, seniors are a great learning resource for younger people. And thankfully, there’s nothing about the aging process that impairs a senior-aged person’s ability to learn something new as well. The brain is not wired to retire, but to instead welcome new challenges and explore new ideas. The number of senior-aged entrepreneurs in the workforce attests to this, as well as the number of innovative leaders over the age of 55 in the worlds of business, technology, and especially the creative arts.

  6. Older workers are less productive and can’t keep up:

    There is a stereotype that exists in the business world that pegs older workers as being slower, less productive, and unable to keep up with their younger co-workers. But older workers are often more efficient with their time, and have higher standards and a stronger work ethic in place than some of their younger counterparts. Add to that a willingness to embrace and become comfortable with developing technologies, as well as listen and learn, and a senior can be a formidable member of any business’s team.

  7. Memory loss is inevitable:

    How many times have you listened to a grandparent recount, in great detail and entirely from memory, an incident from their childhood, something that occurred 50 or 60 years ago? Growing older does not cause memory loss. However, physiological changes can affect the speed with which memories are retrieved. And just like any other muscle, the aging brain does need regular exercise in order to stay healthy. Brain exercises, like crosswords and Sudoku, as well as physical exercise, a good diet, and a lively social life, including visits from and interactions with the grandchildren, will help keep the aging mind fit.

Pharmacy Discounts

Did you know that you could be using your Wellness and AARP cards to get discounts at Pharmacies?  We did not have them posted on the other page, but we think this is something you should be taking advantage of now!  Walgreens has Weekly AARP Specials that you can look at on their site HERERite Aid has a Wellness card that offers special sales as well.  If you go to the pharmacy at Harris Teeter, every Thursday you get 5% Off, but you MUST ASK FOR THE DISCOUNT TO GET IT!!!!

The next time you go out to pick up or fill a prescription, keep these in mind and help yourself to some savings!