Category Archives: Senior Living

A cure for Alzheimer’s will be developed in their lifetime

Most Americans believe a cure for Alzheimer’s will be developed in their lifetime

A new Harris survey finds a majority are willing to take part in medical research .

A new survey released by Banner Alzheimer’s Institute (BAI), Novartis, and Amgen, in association with Alzheimer’s Disease International, finds that most U.S. adults (54%) are worried that they may develop Alzheimer’s, and a majority believe it is likely a cure will be developed in their lifetime (55%). The survey aims to raise awareness about how volunteers can take part in clinical studies to benefit Alzheimer’s research during World Alzheimer’s Month.

Alzheimer’s is the leading cause of dementia and affects 5.7 million Americans. This number is projected to increase to nearly 14 million by 2050i.The survey, conducted online by Harris Poll among more than 1,000 U.S. adults, revealed that 89% believe the solution to tackling diseases lies in medical research and 77% are willing to participate. However, many (67%) have no idea how to get involved in medical research.

September 2018 marks the 7th World Alzheimer’s Month and represents a chance for people to raise awareness, fundraise and find out more about how they can participate in research.

“We believe that a focus on prevention is vital to safeguard future generations,” said John Tsai, M.D., Global Head Drug Development and Chief Medical Officer for Novartis. “This survey highlights that greater awareness and support is needed to ensure people have the knowledge about clinical research studies to make a well-informed choice about getting involved.”

BAI, Novartis, and Amgen are sponsors of the API’s Generation Program, which is evaluating investigational treatments to help prevent or delay the onset of Alzheimer’s. The program is enrolling volunteers aged 60-75 who are at higher risk of developing Alzheimer’s but do not currently have or show signs of the disease. Information can be found at www.generationprogram.com.

The API Generation Program is the first to incorporate both genetic testing and counseling into the study screening process. Prospective participants referred to the program will be required to learn their APOE test results. Only those who learn they have one or two copies may be eligible to participate in the study.

Information about clinical trials is widely available online and from local patient advocacy groups. Details of Alzheimer’s clinical studies can be found on the Alzheimer’s Prevention Registry www.endALZnow.org/.

The U.S. survey was a part of the larger global survey about Alzheimer’s disease, including 10,000 people across 10 countries. The U.S. findings were consistent with global results.

The survey was conducted online by The Harris Poll on behalf of Banner Alzheimer’s Institute, Novartis and Amgen, among 1,010 adults 18+ living in the U.S. The survey was conducted between July 25 and August 21, 2018. Figures for age by gender, income, education, race/ethnicity, region, size of household, marital status, and employment status were weighted where necessary to bring them into line with their actual proportions in the population.

Senior troupe to put on show about avoiding senior scams

The troupe brings laughter and excitement to frightening and frustrating topics.

In collaboration with the Ventura County Adult Abuse Prevention Council (VCAAPC), please join Cypress Place Senior Living in Ventura for a fun, free and educational program on avoiding senior scams.

The Stop Senior Scams (SM) Acting Program uses theater to dramatize senior scams. Members of the troupe, ranging in age from 60 – 97 years-old, write and perform skits based on their own personal experiences. It is a memorable way to equip those who are vulnerable with the knowledge they need to protect themselves.

​Using popular songs like the Rolling Stones “You Can’t Always Get What You Want”, “Getting to Know You “, from the Rogers and Hammerstein musical “The King and I”, Abba’s “Money, Money, Money”, and the Supremes “Stop in the Name of Love”, the troupe brings theatricality, laughter and excitement to a commonly frightening and frustrating topic.

The program was founded in 1997 by director Adrienne Omansky who was a teacher of older adults and adults with disabilities.  The Stop Senior Scams (SM) Acting Program has been recognized by the U.S. House of Representatives and the California State Assembly, according to Nancy Cole, an eldercare manager and board member of VCAAPC.

Also on hand during the event will be vendors who provide a variety of services to the senior population. Attendees will be able to ask questions and receive materials from these corporate sponsors.

This not-to-be-missed program takes place on October 11, 2018 from 1:30p.m. to 3:30p.m. at Cypress Place Senior Living in Ventura. Seating is limited so please call to reserve a seat. Cypress Place Senior Living is located at 1200 Cypress Point Lane. For more information or to RSVP, please call 805-650-8000.

Cypress Place Senior Living is a premiere senior community in Ventura County. The beautiful senior living campus features an Active Senior Living community and adjacent Assisted Living and Alzheimer’s/Dementia Care community connected by a lushly landscaped courtyard.

To learn more about Cypress Place Senior Living of Ventura, visit their web site at www.cypressplaceseniorliving.com.

The Ventura County Adult Abuse Prevention Council is a not-for-profit service organization dedicated to the prevention of elder and dependent adult abuse. To learn more about VCAAPC please visit their web site at vcaapc.org.

Genesis Programs helps seniors overcome an invisible epidemic in Ventura County

Genesis Programs launched its outpatient substance misuse, specialty program, for those over the age of 60 on September 26th. A ribbon cutting ceremony was held at the Ventura Office location located at 1732 Palma Dr.

It’s common for a health care provider or a loved one to overlook the possibility of substance abuse in seniors. The difficulties with diagnosis (as well as social stigma) are instrumental in the staggering increase of substance abuse for adults aged 60 and older, particularly with the misuse of alcohol and prescription drugs.

Genesis is an intensive outpatient treatment provider, with a strong dedication to the community. With over two decades of experiences and a keen eye for those in need, Genesis takes the lead in providing treatment for substance misuse in older adults.

Genesis stated “Genesis Programs is a for profit, however we offer a huge sliding scale to fit all budgets, we help all who walk through our doors regardless of how much they make. Our goal with the new program “Genesis Over 60 Track) is to focus on helping seniors who are going un-treated and to bring more awareness to this growing epidemic in the US. We also partner with many non profits with the same vision, such as APF (Addiction Policy Forum).”

Meds, mobility and magic!

by Patty Jenkins

Come to the Ventura Parkinson’s Disease Support Group on Wednesday, October 10th, from 1:00 to 3:00 pm at The Lexington Assisted Living, 5440 Ralston St, Ventura to find out about the latest and greatest medications and devices for treating Parkinson’s and also the latest and greatest mobility aids to help you navigate your world! And if that isn’t enough to peak your interest, how about a little bit of a magic show also? This special meeting will be both informative and entertaining!

The Ventura Parkinson’s Disease Support Group is pleased to welcome several Pharmaceutical Representatives who will give us a brief introduction and handout materials about the Parkinson’s medication and other medical devices they represent.

We are also very pleased to have Paul Dwork, of Merlin Medical Supply in Camarillo, as our special guest. Paul is not only a pharmacist, but also an inventor and magician. Paul will be speaking to us about specialty products for Parkinson’s, as well as entertaining us with some of his magical skills!

Paul is an inventor of many products that help improve quality of life, which includes the GeeWhiz Condom Catheter for male incontinence.

Merlin Medical Supply is a great source for durable medical goods, specialty equipment for the physically challenged, which would include Parkinson’s, diabetic, incontinence and wound management supplies and other medical aids.

The Ventura Parkinson’s Disease Support Group welcomes the public, our members and their care-partners, and new friends who find themselves navigating the challenges of Parkinson’s Disease and other neurological conditions. We are an independent and volunteer-organized group, not affiliated with or a part of any other organization or group. For more information, call Patty at 805-766-6070.

Thanks to the generosity of the Lexington Assisted Living, our meetings are held every second Wednesday of the month. There is a drop-off/loading and unloading driveway in the front of the Lexington Assisted entrance. Extra parking is graciously available across the street in the Baptist Church parking lot. Reservations are not required. Attendees are invited to check in at the front desk for directions to the 3rd floor and sign-in at the meeting so we can keep in touch with you.

The Lexington Assisted Living was honored to host its 5th Annual First Responder BBQ luncheon.

Several participants from the Ventura Police Department, Ventura City Fire Department and Ambulance Services enjoyed a delicious BBQ lunch in The Lexington courtyard. Including Ventura Chief of Police Ken Courney.

“This is a time we can show our appreciation towards the great men and women that serve our community, our residents, staff and families are all very grateful for their sacrifices”. Said, Ronald Agulto, Marketing Director.

The Lexington Assisted Living, 5440 Ralston Street , Ventura

(805) 644-6710 lexington@BridgestoneLiving.net

Photos by Bernie Goldstein

New Tai Chi Balance Classes in Ventura 

Tai Chi focuses on improving the mobility and balance of older adults.

Three new senior Tai Chi classes are forming in Ventura over the next few weeks and registration is now open. Tai Chi: Moving for Better Balance is a 12-week program offered by Oxnard RSVP and focuses on improving the mobility and balance of older adults.

Classes are free, designed for those age 50 and older, and taught by certified senior volunteers. The evidence-based program consists of a simplified eight-form routine of Yang-style Tai Chi. Intended for beginners who can walk easily with or without assistive devices, it teaches participants balance skills and good body alignment by using coordinated and flowing movements. The classes have been proven to reduce repeated falls by 55%.

New classes are:

  • Emerging Spirits Center, 4601 Telephone Road, #113, Oct 2 – Dec 13, T/TH, 10 a.m. – 11:30 a.m.
  • The Bonaventure, 10949 Telegraph Road, Sept 18 – Dec 11, T/TH, 11 a.m. – 12:30 p.m.
  • CMH Wellness and Fitness Center, 2723 E. Main Street, Sept 11 – Dec 4, T/F, 9:30 a.m. – 11 a.m.

New participants are accepted only until the third class of each session. To achieve results, they should attend at least 75% of the classes. Call 385-8019 to learn more or to register.

A federal grant received by the City of Oxnard and its RSVP program funds the free exercise classes, which follow curriculum developed at the Oregon Research Institute (in Oregon) where studies showed improved strength and balance, increased mobility and reduced incidence of falls among seniors who participated in the classes.

RSVP is a volunteer recruitment and placement program, helping people 55 and older find volunteer positions that match their interests, talent and available time.  The Oxnard RSVP has almost 575 members and is sponsored by the City of Oxnard.  To learn more about being an RSVP member or to discuss other volunteer opportunities, call 805-385-8023.

A 1035 Exchange, know the facts 

by Jayson Cohen American Legacy Solutions

A common problem faced by insurance and annuity holders relates to a need to upgrade to a better financial option without paying taxes on gains earned on the old policy. There are many legitimate reasons for wanting to upgrade. AAFMAA recommends a 1035 exchange to accomplish this objective. A 1035 exchange has a complicated set of rules established by the tax code that must be followed to qualify this exchange as a nontaxable event. Based on the complexity of the tax code and limitations placed on these exchanges, it is highly recommended that you seek the advice of a tax professional before moving forward to avoid possible tax complications.

Factors to Consider When Exchanging A Life Insurance Product

The main thing you must remember is that no cash can change hands for this exchange to legally qualify as a tax-free 1035 exchange. A life insurance policy can be traded for another life insurance product. The tax code also allows for the exchange of a life insurance product for an annuity. This type of transaction is referred to as a replacement. In all tax-free exchanges, the policyholder must remain the same.

It is prudent to exercise caution before moving forward with a 1035 exchange. Not all exchanges are tax-free. Remember that in the case of life insurance policies, if you surrender your policy early, you may incur surrender charges and taxes. Before any definite decisions are made, you need to research the marketplace to determine whether you are insurable. Your health status and age will significantly impact the cost and availability of a new life insurance policy.

What to Consider When Upgrading Your Annuity

When making a change from an old annuity to a new one in a 1035 exchange, you won’t have to pay taxes on your earnings. Immediate Annuities reminds clients that while your taxes can be deferred, it is important to realize that you still may have to pay surrender fees and penalties depending on the terms of your current contract.

After the exchange takes place, then you are free to change ownership. To qualify as a 1035 exchange, an old annuity can only be exchanged for a new one. An annuity product can’t be exchanged for a life insurance product to comply with the strict requirements.

General 1035 Exchange Guidelines

You can exchange multiple old contracts for a single new contract. The IRS code does not limit the number of old contracts that can be traded for a single new contract. This fact opens the door to many possibilities. As mentioned above, the rule about ownership consistency must be followed naming the same owner on all policies. For accounting and tax purposes the adjusted basis of the new contract will be calculated by totaling the adjusted basis amounts of all contracts exchanged.

Conclusion

There is a practical reason 1035 exchanges are so popular. Deferring taxes as long as possible is always a priority. There is no reason to feel trapped in your current life insurance or annuity contracts by tax ramifications. By using a 1035 exchange, you can take advantage of better alternatives while still deferring taxes.

Sources:

https://www.immediateannuities.com/1035-annuity-exchanges/

https://www.aafmaa.com/Decision-Center/Tools-Forms-Resources/1035-Exchange

http://www.finra.org/investors/1035-exchanges

Clearwater at Riverpark invites local community to honor Active Aging Week with Wellness Festival

Adopting a dog can be part of a wellness lifestyle.

Clearwater at Riverpark invites local community to honor Active Aging Week with Wellness Festival

Clearwater at Riverpark is hosting a community event on Saturday, September 29th from 11 to 3 pm to advocate for Active Aging Week. Festivities will embody Clearwater at Riverpark’s Empowered Living philosophy that encourages residents to pursue their passions through a wellness lifestyle.

Active Aging Week influences millions of people every year during the last week of September to spread awareness for the International Council on Active Aging® (ICAA). Highlighting the benefits of active living in adults over 50 years old; this weeklong campaign puts a spotlight on all areas of life —physical, social, spiritual, emotional, intellectual, vocational and environmental. Individuals worldwide participate in various ways to experience wellness activities for older adults while creating a supportive environment.

“The Wellness Festival is intended to inspire our residents and the greater community.” said Britt Martin, lifestyle director of Clearwater at Riverpark. “I’m excited about Active Aging Week. There are many ways to live a healthy, vibrant lifestyle and offering a community wellness festival where the older active adults can explore on their own, puts the power in their hands to choose what is best for them.”
The event is open to the public and there is no charge to attend. Guests will appreciate the beneficial and healthful choices at Clearwater at Riverpark’s Wellness Festival, such as:

  • A mindful market of local, homemade, and wellness focused product
  • Community vendors
  • Dogs to adopt from C.A.R.L. organization
  • Healthy food trucks
  • Wellness speakers
  • Giveaways

In addition, throughout the week residents of Clearwater at Riverpark can engage in on-site activities aligned with Active Aging Week by dedicating each day to a dimension of wellness from their Empowered Living program. The exclusive schedule offers a beach clean-up, meditation journey nutritional class, tai chi session and more.

Space is limited. To reserve your space or learn more, please call 805.366.3446 or email RiverparkMarketing@ClearwaterLiving.com Clearwater at Riverpark is located at 750 Clyde River Place in Oxnard.

Clearwater Living® is committed to providing the most superior customer service and living experiences that celebrates individual relevance, from our residents and their families to our family of associates.  Clearwater is growing through strategic acquisitions, development and operational management of senior living communities throughout the western United States. Every Clearwater Living community includes cutting-edge technologies and care practices that improve the daily lives of residents. To learn more about Clearwater Living, visit ClearwaterLiving.com.

Also Baby’s Badass Burgers Food truck will be there on September 14th and October 12th from 11:30am-2:30pm.

Keep going! Stay motivated to be active

Exercising by dancing can be interesting and enjoyable.

Physical activity is a great way for older adults to gain substantial health benefits and maintain independence. To make physical activity a routine habit, choose activities and exercises that are fun, motivate you, and keep you interested.

Keep It Going

If you can stick with an exercise routine or physical activity for at least 6 months, it’s a good sign that you’re on your way to making physical activity a regular habit. Choose activities:

  • You enjoy and believe you’ll benefit from
  • You can fit into your schedule
  • You can do safely and correctly
  • That are affordable
  • That includes friends or family
  • Keep It Positive
  • Set realistic goals, regularly check your progress, and celebrate your accomplishments. These will help keep you on track.
  • Keep Your Eye on the Prize
  • Focus on the benefits of regular exercise and physical activity:
  • Greater ease doing daily tasks
  • More energy to do the things you enjoy most
  • Improved health
  • Better outlook on life
  • Find Activities You Enjoy

Some people like to walk on a treadmill at the gym. Others find that kind of activity boring. The key to sticking with exercise is to make it interesting and enjoyable.

Be creative. Do things you enjoy but pick up the pace. Do all four types of exercise—endurance, strength, balance, and flexibility. The variety helps keep things interesting!

Try some new activities to keep your interest alive. Let these suggestions inspire you to choose physical activities that match your interests!

  • Love music?
  • Take dancing lessons.
  • Sign up for an aerobics or dance class.
  • Walk briskly or jog and listen to your favorite tunes.
  • Enjoy the outdoors?
  • Play catch with your grandchildren or fetch with your dog.
  • Go hiking or rock climbing.
  • Grab a paddle and go canoeing.
  • Like being with others?
  • Join a soccer or basketball league.
  • Make friends in an exercise class.
  • Organize a walking group with friends or coworkers.
  • Want to be on your own?
  • Swim laps.
  • Spend an hour at the driving range.
  • Bike around your neighborhood.
  • Use an exercise video at home.
  • Feel the need to multitask?
  • Lift weights while you watch TV.
  • Do balance exercises while waiting in line.
  • Walk on a treadmill while you listen to an audio book.

Keep Track of Your Progress

The best way to stay motivated is to measure and celebrate your successes. You can find easy-to-use progress forms on the Go4Life website. Use these forms to:

  • Set and revisit your goals
  • Make an exercise and physical activity plan that works for you
  • Track your daily physical activity
  • Find new ways to increase your physical activity
  • Update your exercise plan as you progress

Why having a Medicare Advantage Plan may make sense

by Rick Beavin, California Market President, Humana

Health benefits can be confusing to navigate, particularly as you become eligible for additional support services. While most Americans 65 and older—or those who qualify due to disability—are eligible for Medicare, some may also be eligible for MediCal, California’s Medicaid program, based primarily on financial need. Individuals who fit into both categories are known as dual eligible, according to the Centers for Medicare & Medicaid Services (CMS).

How do I know if I’m dual eligible?

While dual eligibility does not apply to every Medicare beneficiary, 10.8 million people nationwide are fully or partially dual eligible. It’s important to note that eligibility for Medicare and Medi-Cal are determined separately.

When it comes to Medicare, according to CMS, of the more than 5.6 million Medicare beneficiaries in California, 87 percent are eligible due to age (65 and older), while the remaining 13 percent are eligible due to disability.

When it comes to Medicaid, the income qualifications for Medi-Cal assistance vary, so visit Medicaid.gov or contact your local Medi-Cal office at 1-800-541-5555 to see if you might be eligible.

Why would a Medicare Advantage plan be a good option if I am dual eligible?

If you are dual eligible, signing up for a Medicare Advantage plan can make receiving care more accessible than having traditional Medicare, alone. And, if you are dual eligible, you can sign up for a Medicare Advantage plan once per calendar quarter between January and September, not just during the Annual Enrollment Period (Oct. 15-Dec. 7). Many areas offer Medicare Advantage plans with a $0 premium.

Here’s how having a Medicare Advantage plans over traditional Medicare can help dual eligible individuals make the most of their benefits:

Access to dedicated doctor/provider network.

Having a Medicare Advantage Plan means the Medicare Advantage plan becomes your primary health plan for receiving care. These plans typically provide you with a network of doctors and health care providers. Doctors and health care providers know that working with Medicare Advantage plans means their patients will have care coordination and other benefits available through the plan.

It’s important to note that Medicare and Medi-Cal are two entirely different programs that operate under different guidelines; they were not designed to work together. Because of this, your doctor and health care providers may need to coordinate payment for services with both your Medicare Advantage plan and Medi-Cal.

The availability of additional benefits.

Medicare Advantage plans often include extra benefits as part of the plan such as dental, vision, and an over-the-counter drug allowance. Many times you will also have access to a fitness benefit that offers free gym membership and access to fitness classes. At the same time, these plans may have simplistic benefit designs that may minimize costs. For example, some Medicare Advantage plans have a $0 copay for doctor visits and $0 or low copays for specialist visits.

Care coordination.

A Medicare Advantage plan can offer coordination of your care. This may be especially important if you have one or more chronic conditions, such as diabetes or congestive heart failure. As an example, plans may offer skilled care managers who can help you get the care or services you need at the right time and place. This can include services such as helping you understand and follow your physician’s recommended treatment plan, managing transitions between hospital visits and home, connecting you to resources for food, and helping you get access to necessary prescription drugs and medical equipment.

Receiving the care you deserve as a dual eligible individual may be challenging. Signing up for a Medicare Advantage plan is one way to potentially help you get the care coordination and additional benefits you need, all in one plan.