Category: Home Care

13 Ways We Can All Counter the “Disadvantages” of Old Age

Posted on by Martin

People have varying impressions of old age.

Some people believe that getting older is a beautiful thing and that it offers the perfect opportunity for people to spend quality time with their friends and loved ones. Some people, however, believe that aging is frightening and that people who are getting older lose their freedom and well-being in the process.

Whichever side of the aisle you find yourself on, it’s undeniable that there are disadvantages to aging, and many people dread it because of that. Luckily, there are several smart ways to combat those disadvantages and ensure that aging is as graceful and enjoyable as possible.

Read on to learn more.

13 Ways to Beat the “Disadvantages” of Getting Older

Aging, just like anything else, is a battle of mind over matter.

While it’s true that we can’t prevent certain chronic diseases by maintaining a positive outlook, it’s also true that we can make the process of aging much more enjoyable and civil by maintaining a sense of optimism. Whether you’re a senior interested in improving your quality of life, or a senior’s loved one who wants to help boost outlook and create a happier, healthier lifestyle for the person you love, here are thirteen smart ways to do it.

1. Seniors feel as if life is “passing them by.”

Solution:

Seniors often feel that they have become irrelevant. In many cases, a senior’s spouse has died, and the person’s social relationships may have declined from what they used to be.

In these cases, it’s easy for older people to become depressed or to feel neglected and forgotten. Luckily, this doesn’t have to be a given for all seniors.

Instead, it’s easy to combat this “disadvantage” by ensuring that seniors are included in family gatherings, social events, and community affairs. In addition to combatting feelings of loneliness, this also helps to encourage the development of new relationships and experiences.

2. Dating can be difficult

Solution:

Encourage seniors to join like-minded groups, clubs, and organizations. While dating may look different at 70 than it did at 17, it’s far from impossible, and many seniors find that they sincerely enjoy dating at an older age.

3. Seniors often feel tired and worn out

Solution:

While it’s normal for older adults to feel less energetic and outgoing than they used to, it’s not normal to expect to spend every waking moment of the day in seclusion because of it. Instead of feeling worn out all the time, seniors can boost their energy by engaging in exercise, eating a healthy diet, getting plenty of high-quality rest, and spending time with family and friends. If tiredness persists, a trip to the doctor may be in order, as certain supplements may help boost energy levels.

4. Exercise and activity can be trying or painful

Solution:

To stay in optimal health, seniors need to stay active. Unfortunately, this often becomes more difficult with age. To keep joints, bones, and the cardiovascular system healthy and functional without becoming exhausted in the process, seniors need only to adjust their activity type and level.

For example, if a senior used to be a long-distance runner but finds that difficult, something like water aerobics, yoga, or swimming may be ideal. While many seniors assume that aging means the end of their active lives, it’s more typical that an adjustment is all that’s needed.

5. Seniors often have a difficult time feeling attractive

Solution:

Aging means changes in the body and appearance, but seniors don’t have to feel self-conscious as a result.  

Many seniors find that visiting the salon or indulging in beauty or self-care rituals that they couldn’t justify when they were younger (such as facials, massages, or pedicures) are all wonderful ways to feel more attractive.

6. The senior may feel “out of whack” with the times

Solution:

It’s common for seniors to be confused about Justin Bieber and The Kardashians. Luckily, it’s easy for seniors to feel more engaged and involved in either learning more about the pop culture of today or spending time with people who treasure the same eras and memories they do.

Seniors who have no interest in reading pop culture magazines will enjoy taking part in themed parties or getting together to rehash old memories with friends. 

7. Driving can become difficult or disallowed

Solution:

One of the things seniors dread most about aging is the loss of certain freedoms, like driving. While it’s inevitable that some seniors will lose their driving privileges, this doesn’t have to mean the end of an ability to do things for oneself.

In fact, there are many ways for seniors who can’t drive to get around. In many cases, public transit may be a good option. In other situations, a senior may enjoy using a senior-specific shuttle that helps seniors run errands like shopping. In many cases, seniors even choose to enjoy a nice leisurely walk to their destination.

While the right answer will differ depending on a senior’s health and energy levels, getting older doesn’t have to mean a total loss of freedom. 

8. Being away from family can be lonely

Solution:

One thing many seniors struggle with is being far away from family and friends. Luckily, regular phone calls, Skype sessions, and hand-written letters can help close even the largest physical gaps and ensure happy, close relationships between seniors and their families. 

9. Seniors are often bored in their day-to-day routines

Solution:

Let’s be frank: getting older can be boring! Luckily, seniors can combat this boredom by signing up for an art course, auditing a class at the local university, volunteering, or learning new things. While old age presents many challenges,

it also offers a level of free time that allows seniors to take full advantage of opportunities and better themselves in dozens of ways.

10. It can be difficult to find clothing that a senior likes

Solution:

Many seniors find that, as they age, their previous fashion tastes don’t work well with their lifestyles. Luckily, this is just a matter of adjustment. While seniors may not be able to wear the flared dresses or dapper suits they once favored, it’s easy to find clothing that a senior loves and feels comfortable in. A simple shopping trip might just be in order!

11. Seniors aren’t used to the fast pace of today’s world

Solution:

Go slower. Seniors have a right to be somewhat alarmed by how quickly everything moves nowadays, and it can benefit them (And us) to slow down and be more intentional during our time with them. When we’re not rushing or hurrying, we have space and freedom to enjoy our interactions with the senior rather than racing through them.

12. Seniors often don’t feel well

Solution:

Seniors who have conditions that can be treated with diet, exercise or medication will often feel better after receiving the proper care. While it’s unrealistic for many seniors to expect that they’ll feel as spry at 80 as they did at 20, there’s also no reason to assume that aging has to mean feeling poorly at all times.

 

13. Seniors have a difficult time adjusting to older age

Solution:

Help the senior understand that every life stage is beautiful, and there are many things to love about aging. While many seniors have a difficult time facing getting older, accepting the realities of it and moving into the next phase gracefully make the entire process easier for seniors to bear.

The Disadvantages of Old Age, Turned Upside Down

While many people fear “the ravages of age,” it’s possible for seniors and caregivers to take a series of simple steps to make aging into a positive, upbeat, exciting process rather than a disappointing and frightening one. 

 

10 Creative Ways to Pay for in-Home Care

Posted on by Martin

In-home care: while it’s one of the most helpful types of care available, it can also be a financial stressor. More than a few people have had the experience of waking suddenly in the middle of the night, panicked about how they’ll pay for their in-home care and what will happen if they can’t manage it.

For people who are injured, ill, or aging, and can’t manage all of the tasks of daily living on their own anymore, in-home care can be a lifesaver. In addition to taking the burden of caring for an aging loved one off friends and family members, in-home care also serves to enhance the quality of life and provide critical medical assistance in the place where a person is most comfortable – his or her home. 

If you’re starting to think about how you’ll pay for in-home care, or you’re already struggling to make ends meet, here are ten creative ideas to cover the cost. Read on.

First Things First – Is In-Home Care Expensive?

There’s no one-size-fits-all formula for calculating the cost of in-home care. Prices vary widely depending on where you live, what type of care you need, and the skill level of the person you’d like to hire. According to Caring.com, home health aides made an average of $16-$29 hourly in 2011, and home healthcare costs are only rising by an average of 1.15% annually.

Depending on your level of need and your financial circumstances, in-home care may be a simple thing to afford. On the other hand, though, it may be a financial stressor, and you may be looking for ways to make it work more easily for your family.  

10 Creative Ways to Cover the Cost of In-Home Care

Regardless of what your needs may be, these ten simple tips can help you cover the cost of in-home care and get the attention you deserve.

1. Get long-term care insurance

Long-term care insurance is insurance that is designed to cover the cost of things like long-term nursing, admittance to an assisted living facility, ongoing medication, and more. While not all long-term care policies cover in-home care, some do, and it’s an avenue that’s well worth exploring. 

The only negative factor about long-term care is that most policies have a disqualifying age, after which you cannot purchase the insurance. Because of this, you must plan to purchase long-term care insurance while you’re still healthy. This will allow you to take advantage of the policy when you eventually need it to cover in-home care. 

2. Use annuities to your advantage

Annuities are one thing that few people think of to pay for in-home care, but they can be instrumental in helping make the cost more manageable. A hybrid between a personal investment account and an ongoing insurance plan, annuities represent money that a senior has invested and earns interest for. After the money has matured for a given period, the senior can begin making withdrawals.

In addition to helping seniors grow their money, annuities are designed to help cover the costs of living as a senior ages, since they pay a consistent income stream for a set number of years, or until the senior dies. 

Annuities sums aren’t viewed as assets when a senior applies for Medicaid, and the income earned from them is often enough to cover the cost of in-home care and more.

3. Apply for Medicaid and use its benefits to pay for in-home care

Medicaid is a program designed to help low-income seniors cover their health needs. While Medicaid coverage laws vary depending on the state you live in, all Medicaid plans are designed to cover in-home care for at least a short period. 

In some cases, Medicaid may even cover long-term in-home care, if the person utilizing it would otherwise be in a nursing home. 

4. Consider applying for a reverse mortgage

While few people know this, reverse mortgages were developed to help seniors stay at home for as long as possible. Here’s how a reverse mortgage works: once a senior has paid a significant amount of equity into his or her home, he or she can start taking some of that equity out, in the form of lump-sum or ongoing payments. 

While reverse mortgages can be ideal for some seniors, they do have parameters that can rule some people out. Here’s what they require:

  • The senior must be 62 or older
  • The senior must own his or her home, either free-and-clear or with little money left on the loan
  • The bank that issues the reverse mortgage appraises the home and determines payment values based on a loved one’s age and payout requirements

5. Look into using veteran’s benefits

If you were an armed forces members, you might be able to use military benefits to cover the cost of your in-home care. The only downside of this approach is that the U.S. Department of Veterans Affairs is notoriously difficult to navigate, and you may find yourself working very hard to get the benefits you’re owed. While you’ll have to contact a representative to understand your individual eligibility, here are the policyholder parameters for veteran’s benefits:

  • You must have served at least 90 days of active duty
  • One of those days must have been during wartime
  • You must have been honorably discharged

If you meet these requirements, you may be eligible to receive disability payments that can help you cover the cost of your in-home care.

6. Look over your life insurance policy

If you have life insurance, you may find that it can be used to cover your in-home care. If you don’t have dependents that will rely on the life insurance, consider dipping into your policy and using “accelerated” benefits to cover the cost of your in-home care. 

Accelerated benefits are features of certain life insurance policies that allow the policy holder to take advantage of the insurance benefits within their policy before death. Ideal for paying for in-home care, these benefits are typically reserved only for those who need ongoing in-home care or have been disabled by chronic conditions. 

If you have a life insurance policy and no dependents relying on it, consider this option. As a rule, insurance policies will allow holders to pull out between 25%-100% of their death benefit as an accelerated benefit.

7. See if Medicare is right for you

While it’s tough to get Medicare coverage to provide for your in-home care, it is possible, and it’s worth evaluating. Medicare is issued when a person leaves a hospital or long-term-care facility. In some cases, those benefits can extend to covering the cost of in-home care as a form of rehabilitative therapy. 

Keep in mind, though, that these benefits can be limited and may not be right for everyone.

8. Pool resources within the family to cover the cost of in-home care

If none of the above options appeal to you, you can consider pooling resources within your family. Things like collective sibling agreements and personal savings can go a long way toward covering the cost of in-home care and are some of the most common options people take when considering how to offset the expense.  

9. Develop an in-home care savings fund

Many people have savings funds for medical emergencies, vacations, and more, so why not establish one to cover the cost of in-home care. While this takes some planning and dedication, it can be a straightforward and stress-free way to cover the cost of in-home care down the line.

10. Sell off assets

For some seniors who don’t have dependents or people relying on inheriting assets, selling assets can be a functional way to get the extra funds required to cover the cost of in-home care. Of course, this approach depends entirely on the senior’s unique circumstances, and won’t be right for everyone. 

The Case for In-Home Care

For seniors who can no longer care for themselves alone, in-home care can be a wonderful way to enhance quality of life and ensure safety and happiness for years to come. It can be expensive, though, and these ten tips can help offset the cost and make it easier for you and your family members to cover the expenses associated with in-home care. 

6 Proven Methods to Improve Your Memory as You Age

Posted on by Martin

Memory loss: it’s one of the things people fear the most about aging. While memory loss comes in a variety of shapes and forms, many people imagine themselves unable to remember a loved one’s phone number or forgetting special days. 

While these things are a reality for some seniors, memory loss doesn’t have to be an essential component of aging. In fact, people who take proactive steps to improve their memories with age can enjoy a lifetime of mental sharpness and clarity. Read on.

What is Memory Loss?

Memory loss is forgetfulness that exceeds normal levels. For example, a young person may forget the name of a performer for a moment, and then recall it in conversation several minutes later. This is not memory loss. Instead, it’s a standard spell of forgetfulness.

If a senior begins to forget things like whether the stove is turned on, where he or she lives, or whether a visitor is a daughter or a neighbor, this is considered memory loss.

According to Medline Plus, memory loss is caused by normal aging or by injuries to the brain, including brain tumors, concussions or head trauma, brain infections, or stroke. 

While most people experience bouts of forgetfulness throughout their lives, memory loss is a problem that is most prevalent in seniors. According to a survey conducted by the Centers for Disease Control and Prevention, 1 out of every eight seniors experiences memory loss as they age. Surprisingly, this memory loss affects young seniors the most prominently, with 44.7% of older persons between ages 60-64 reporting memory loss. 

While some level of memory loss is normal throughout our lives, excessive or ongoing memory loss can be signs of Alzheimer’s or dementia. As such, it is important for people who want to keep their minds healthy as they age to take proactive steps to preventing memory loss.  

6 Smart Ways to Improve Your Memory as You Get Older

If you’d like to stave off the effects of memory loss, follow these six tips:

1. Keep learning new things

Learning new things is by far one of the best actions you can take to protect your memory and keep your mind sharp. Harvard Health Publications reports that higher levels of education are associated with improved mental functionality in old age. This may be because of several reasons. 

On the one hand, learning new things keeps people in the habit of using their minds, and may translate into higher levels of mental challenge and development with age. On the other hand, learning new things has been shown to help promote neuro-generative activity in the brain, and improve the brain’s ability to make new connections and keep existing connections healthy.

Fortunately, learning new things is simple, and you have many options if you’re interested. Pick up a new hobby or audit a class on a platform like edX. Take a dance class at your local community center or learn a new language. 

You don’t have to do something as drastic as going back to school to learn something new. You simply have to dedicate yourself to using your brain and making lifelong learning the top of your to-do list.

 

2. Don’t buy into the myths about aging and memory loss

The mind-body connection is one that’s often underestimated in our society. When it comes to memory loss, people who believe that aging and memory loss go hand-in-hand may actually experience increased memory loss. In fact, Harvard Health Publications reports that seniors exposed to repeated, negative stereotypes about memory loss and aging do worse on memory tests than their counterparts who avoid the stereotypes. 

With this in mind, don’t buy into the myth that aging means an automatic loss of memory. Take proactive steps to keep yourself healthy, and don’t believe the hype.

 

3. Engage all your various senses

The mind is a “use it or lose it” thing, and engaging all your senses helps keep each of them stronger. Memory works best when all our senses are engaged, and, because of this, it’s typically recommended that seniors pick up new hobbies that engage the senses.

For example, consider cooking. When you make a pizza from scratch, you have the scent of the ingredients, the feel of the dough as you knead it out on the counter, and the sight of bubbling cheese to look forward to.

If pizza isn’t your top priority, you’re not limited to cooking. In fact, any tactile hobby, like pottery, will work beautifully.

 

4. Focus your memory to where it’s needed most

The mind takes in thousands of tiny bits of information each day and, with age, this can quickly become overwhelming. Because of this, professionals recommend that seniors learn to economize their brainpower. For example, instead of clogging your head up with the 15 things you need to do next Tuesday, write it down in a planner. 

By getting it out of your head and onto a sheet of paper, where it’s easy to remember, you free your brainpower up for more important things, like learning new skills, building new relationships, and more. 

 

5. Reinforce your memories with repetition

Repetition is a powerful tool for solidifying memories and making short-term information long-term. With this in mind, use repetition in your daily life to boost your memory as you age. When you meet someone new at a gathering, repeat their name to yourself verbally. When you’re learning a new skill, repeat it several times until you feel like you have it down pat. We can’t expect our brains to perform well without the benefit of repetition, and the simple act of repeating something to ourselves can go a long way toward helping us remember it.

 

6. Take care of yourself physically

Good nutrition and adequate hydration make all the difference when it comes to protecting your memory. Simple things like inadequate hydration can have a devastating impact on memory, and studies have found that people who eat brain-boosting foods, such as fish, once each week have a massive 60% lower risk of developing dementia as they age. 

That said, fortify your diet with plenty of clean, fresh water, foods rich in omega-3s, and healthy fats.  Your brain will thank you for it!

Healthy Memories Start With Preventative Care

While conditions like Alzheimer’s and dementia do affect some seniors, getting older doesn’t mean your memory must go out the window. With these six tips, it’s easy to take good care of your memory as you age, and enjoy a clear mind and sharp memory throughout your golden years.