Many people mistakenly think that Medicare will help cover these costs, but Medicare does not pay for assisted living. On the other hand, Medicaid does cover certain types of long-term care services. Specific programs vary by state, but most state Medicaid programs offer some sort of financial assistance with the costs of assisted living. However, Medicaid uses strict eligibility guidelines that also vary by state. For more information on qualifying for Medicaid, contact your local Area Agency on Aging or your state’s department of health and human services or department of social services.

The reality is that when it comes to assisted living, most families pay out of pocket. If the adult children have the resources, they will often contribute to their parents’ care if Mom and Dad don’t have sufficient funds. This, of course, can cause issues within the family, especially if some siblings are wealthier than others. How do families decide whether the children should financially contribute to their parents’ care, and, if they do, who pays how much? For those who are less well off, don’t ignore the option of payday loans as sometimes they can be a great way to help you organise your cash flow, and they could allow you to contribute to your parents’ welfare which is one of the most important things you’ll ever have to do. Just make sure you read some advice first that explains what you should look for in a payday lender, as they’re all very different.

Family meetings can help move things along. Sometimes that means siblings must grow up enough to put aside sibling rivalries and old family dynamics for the benefit of their parent(s), but if that can be done, a collaborative plan can be devised.

There are options other than splitting the cost evenly. One sibling may have a substantial income but live far away from their parents. This sibling could contribute more financially, while another sibling who lives closer and has a more limited income can take on a larger part of the hands-on care that may, in turn, keep down some of the costs. A third sibling may do a little of each.

Unfortunately, some siblings just plain don’t get along and issues with parent care often bring out the worst in their relationships. In particularly difficult scenarios like these, a mediator can assist families in finding an elder care plan that everyone approves of. Having a neutral party present to weigh in during family meetings can help siblings put aside personal differences, find compassion (or at least tolerance) for one another and concentrate on the wellbeing of their parents.

Another less popular option is deciding not to contribute. Not every adult child is in a position to help their parents financially. You’d like to see Mom and Dad get top-of-the-line care, but you may all have to agree that more humble surroundings are all the family can afford. After all, your parents have had their whole lives to save and spend wisely. Whatever money they have set aside should be used for their care. Not only is making major contributions difficult for an adult child to budget for in the first place, but it also results in less savings for their own children, their retirement and their long-term care.

Rather than making financial contributions, offer your parents emotional and logistical support. Help them research long-term care options, financial assistance, and other federal, state, and local programs. Help them plan to spend down their assets and apply for Medicaid. Having your emotional support is often more important to your parents than having your fleeting financial support.

There is no telling how long Mom and Dad may reside in assisted living or how much their care needs may increase. Many adult children agree to help cover costs only to realize that they’ve committed to paying for long-term care for many, many years. This can be a financially devastating decision that is difficult to back out of, especially if the children have signed binding contracts with a facility regarding payment.

The Ventura Parkinson’s Disease Support Group and Abbott are pleased to host UCLA neurology and neurosurgery specialists Adrienne Keener, MD, and Ausaf A. Bari, MD, PhD, on Wednesday, June 12th from 1:00-3:00PM at the Four Points Sheraton in Ventura. Members of the public are also welcome to attend this special presentation by Dr. Keener and Dr. Bari that includes an overview of Parkinson’s Disease and treatments including Deep Brain Stimulation.

Dr. Adrienne Keener has extensive fellowship training as a movement disorder specialist at UCLA. In addition to an overview of Parkinson’s Disease (PD), Dr. Keener will also discuss conventional and recently developed medications for treating PD. Dr. Ausaf A. Bari is one of Southern California’s neurological experts who specializes in the neurosurgical repair and restoration of brain and nerve function. Dr. Bari has extensive clinical and research experience in the use of Deep Brain Stimulation (DBS) in the treatment of both movement and psychiatric disorders. DBS may be an option for certain people with neurological problems when medicines don’t work as well or when side effects of the medicines interfere with daily activities.

Following his neurosurgery residency training at UCLA, Dr. Bari was awarded the prestigious William P. Van Wagenen Fellowship to train at the world-renowned functional neurosurgery program at the University of Toronto. A native of California, Dr. Bari completed his neurosurgery residency training at UCLA after receiving his MD and PhD degrees from Boston University. He completed his undergraduate training at UC Berkeley in the field of neurobiology. His clinical practice includes DBS surgery for Parkinson’s disease, tremor, dystonia, depression and OCD. In addition, his clinical practice includes neurosurgery for brain tumors, pain, and peripheral nerve disorders.

The Ventura Parkinson’s Disease Support Group welcomes our members, their care-partners and new friends who find themselves navigating the challenges of Parkinson’s Disease and other neurological conditions along with the public to join us at this special presentation on Wednesday, June 12, 2019, from 1PM-3PM at the Four Points by Sheraton, Ventura Harbor Resort; 1050 Schooner Drive, Ventura. We thank Abbott for sponsoring this important and informative meeting.

Directions to the Four Points Sheraton: from the 101 take the Seaward off Ramp and go south on Harbor Boulevard to Schooner Drive where you will then turn right and park in the lot to your left. There will be signs indicating where to find the meeting once you enter the Sheraton lobby. To RSVP and for more information call Patty at 805-766-6070.

by Esther Cole

As if it isn’t enough punishment to get old. It’s much worse to get old and sick. And it’s terrible to be old and unwary. Innocent, actually.

To be unaware of all the mean-hearted, crooks, young people, who would make victims out of the old, and elderly, and ill, and unwary folk. living alone, and, believing, that all telephone calls must be answered, politely. Or answered. Period.

There is a recurrent scam, afoot, that targets the elderly female. It begins, when you answer the phone, and say, “hello.”

The response you get is “Hi, gramma.”

“Gramma” answers, “Who is this?”

“Your grandson.”

“Which one?”

“The oldest”

“Oh, how are you, dear?”

“Oh, gramma, I’m in big trouble.”

What gramma would not want to jump in and rescue her

grandson?

‘Grandson’ now starts to sniff, and his voice begins to sound teary.

“Oh, gramms, I’m in jail. I was driving and I got hit — I’m OK — but the police said I was responsible. They arrested me. I can’t leave without putting up bail. Please, gramma, can you help me?”

What gramma would be so cold-hearted to ignore a needy grandson?

Grammas just don’t grow that way. Grammas are relatives that are there for their grandsons.

When you read this introduction, it may seem too simple, and most

grammas would understand this is a scam. I believe they do. But there are enough loving grammas, that are taken in, and then, take the money to Western Union, to send to their needy grandson.

My friend Carin’s mother had money in hand at Western Union to send to this “grandson.” The clerk explained the scam and saved her all that money.

I thought that scam was over, until last night, when I answered the phone, and heard this sweet, young male voice say, “Hello, Gramma..”

I answered, “What kind of trouble are you in now?”

That felt pretty good, because this “gramma” had a chance to scam the scammer. And I did. I asked for “grandson” to send me money. I needed a lot of money. Funny, my “grandson” was no longer on the other end of the telephone.

I know, there are dozens of other scams, and scammers, ready to take advantage of people who are kind and generous. Too bad we live in this kind of world, but we do.

So “gramma” be kind to your kin but keep your generosity in your bank account.

More power to the elderly.

It’s well established that having a parent or sibling with Alzheimer’s increases a person’s risk of developing the disease. A new, NIA-supported study shows that even in the absence of close family members with Alzheimer’s, having extended family members with the disease increased a person’s risk. The findings, published April 9 in Neurology, could have implications for assessing risk using a broader view of family history.

A team of researchers from the University of Utah School of Medicine, Huntsman Cancer Institute, George E. Wahlen Department of Veterans Affairs Medical Center, Utah State University, and Brigham Young University mined the Utah Population Database. This record of Utah founders from the 1800s and their descendants, was used to identify individuals with genealogy data for at least 12 ancestors in the last three generations. The resulting pool of more than 270,000 individuals included 4,436 with Alzheimer’s as the primary or contributing cause of death.

To measure relative risk, the researchers compared the actual number of people who had Alzheimer’s with the expected number of Alzheimer’s cases based on various family histories of the disease. The analysis included first-degree relatives (parents, children, and siblings), second-degree relatives (grandparents, grandchildren, aunts and uncles, and nieces and nephews), and third-degree relatives (great-grandparents, great-grandchildren, grand nieces, grand nephews, great aunts and uncles, and first cousins).

In line with previous studies, the researchers found that having one or more first-degree relatives with Alzheimer’s put people at significantly higher risk for the disease. People with one first-degree relative with Alzheimer’s were 1.73 times more likely to develop the disease. Looking further into the family tree, people with two first-degree relatives with Alzheimer’s were nearly four times more likely to develop the disease. Those with three first-degree relatives were nearly two-and-half more times likely, and those with four were almost 15 times more likely to develop Alzheimer’s disease.

But even people whose parents or siblings did not have Alzheimer’s were at higher risk in most cases if they had second- or third-degree relatives with the disease, the researchers found. For example, people with three or four second-degree relatives who had Alzheimer’s were more than twice as likely to develop the disease. People who had only third-degree relatives with Alzheimer’s had a 43 percent increased risk when they had three or more such relatives with the disease.

People at the lowest risk had no relatives with Alzheimer’s disease or only one or two third-degree relatives with Alzheimer’s.

A family history of Alzheimer’s does not mean that a person will develop the disease, and a lower risk does not mean a person won’t get the disease. Rather, an individualized assessment of risk based on one’s extended-family history might help identify people who may benefit from monitoring for early signs of disease and steps that might help prevent dementia, the authors wrote.

It’s important to note that estimates in this study are based on the Utah study population and may not apply to other populations. The study also did not incorporate genetic influences or other risk factors into the calculations of relative risk, which is an area the researchers are now beginning to explore.

This study was supported by NIA grant RF1AG054052.

Reference: Cannon-Albright LA, et al. Relative risk for Alzheimer disease based on complete family history. Neurology. 2019;92(15):e1745-e1753.

We all know to eat right, exercise, and get a good night’s sleep to stay healthy. But can flexing our creative muscles help us thrive as we age? Ongoing research looking at singing group programs, theater training, and visual arts for older adults suggest that participating in the arts may improve the health, well-being, and independence of older adults.

“Researchers are highly interested in examining if and how participating in arts activities may be linked to improving cognitive function and memory and improving self-esteem and well-being. Scientists are also interested in studying how music can be used to reduce behavioral symptoms of dementia, such as stress, aggression, agitation, and apathy, as well as promoting social interaction, which has multiple psychosocial benefits,” said Lisa Onken, Ph.D., of NIA’s Division of Behavioral and Social Research.

Dr. Johnson tested this approach, leading Community of Voices, the largest randomized clinical trial to test the impact of participating in a community choir on the health and well-being of nearly 400 culturally diverse adults, age 60 and older, from 12 senior centers in San Francisco. The centers were randomly chosen to conduct the choir program immediately (six intervention groups) or 6 months later (six control groups). Outcome measures were collected at baseline (prior to starting the intervention), 6 months (end of randomization phase), and 12 months (1 year after enrollment). Each choir met once a week in 90-minute sessions for 44 weeks and performed in several informal concerts.

At weekly rehearsals, professional choral directors from the San Francisco Community Music Center trained in the intervention led activities to promote health and well-being. Researchers assessed participants’ cognition, physical function, and psychosocial function, as well as their use and cost of healthcare services, before they started the choir program and again after 6 and 12 months.

A unique aspect of the study was its use of community partners to engage, enroll, and retain a large group of racially and ethnically diverse and low-income older adults. Participants were recruited and completed all choir activities and assessments at the senior centers, which made it more convenient for them to join and continue in the study.

Participating in the community choir showed positive results within 6 months. In particular, it reduced feelings of loneliness and increased interest in life. However, cognitive and physical outcomes and healthcare costs did not change significantly. Dr. Johnson attributed the improvements to the choir providing a meaningful, regular opportunity to meet new people, build social support, and increase a sense of belonging.

“The study showed increased interest in life because singing in the choir provided a regular, structured activity for participants,” she said. “Access to regular activities in diverse, low-income communities is vital for older adults to remain active and engaged in their community.”

Dr. Onken noted, “By examining the mechanisms through which arts participation may provide benefits to health and well-being, and by studying arts participation with scientific rigor, we hope to establish a firm basis on which to develop programs to improve the health and well-being of older people. As these studies continue, we expect the results to show us how we can implement cost-effective, community-based programs that benefit older people.”

by Ralph S. Robbins, CFP

A great deal of confusion surrounds Medicare and Medicaid. They’re often mistaken for one another, but they are two very different programs that provide health care benefits for Americans. While many people believe that participation in these programs is mutually exclusive, the truth is that some seniors do qualify to receive both Medicare and Medicaid coverage. When a Medicare beneficiary also qualifies for Medicaid, they are deemed a “dual-eligible beneficiary” and are entitled to enhanced benefits.

Medicare is a federal health insurance program for seniors age 65 and over and younger individuals who are disabled or have certain chronic illnesses. Americans pay into Medicare through payroll taxes.

Medicaid, on the other hand, is a joint federal and state means-based program that helps low-income individuals with limited resources afford health care. Unlike Medicare, Medicaid can differ widely from state to state. Both Medicare and Medicaid are administered by the Centers for Medicare and Medicaid Services (CMS).

by Michele Teter

When a loved one is still living at home but struggling with the effects of getting older and losing their independence, hiring in-home care can be a great solution. Professional caregivers provide seniors with physical assistance, as well as help with the emotional and routine aspects of daily life.

In addition to the more tangible benefits that home care can provide with activities of daily living (ADLs), such as bathing and dressing, seniors and their caregivers can enjoy invaluable personal benefits.

If there is one thing that becomes clear as someone ages, it’s the extensive benefits of friendship. “Far too many elderly individuals in the United States live alone, and when they have trouble getting around, lose their driving privileges, or do not have family and friends nearby, it can make them feel even more isolated,” says Kevin Watkins, co-owner of Caring Hearts of Rochester in New York. That is why companionship becomes a quintessential part of any home care services.

A professional caregiver can provide precious social interaction. This could be something as simple as conversing over coffee, going to the movies, or cooking or gardening together. In the process of doing their job, caregivers stave off loneliness and depression in older adults.

At some point, most aging adults are unable to drive safely. This blow to their independence also severely limits their ability to complete everyday tasks, such as buying groceries, going to church and visiting friends. A professional caregiver can provide safe transportation and accompany your loved one on errands, meetings, doctor’s appointments, social events, etc. Such assistance can expand a senior’s world outside of the home and help them remain active.

By providing ongoing personal care, professional caregivers are able to help aging individuals continue living safely, comfortably and socially at home. A little extra support can be all that is needed to extend an older adult’s sense of independence. This goes a long way toward improving their outlook on life and boosting self-confidence. Most aging individuals are comforted by remaining in familiar surroundings where they have spent much of their lives. In-home care can help them stay there longer than they would be able to on their own, forgoing placement in a long-term care facility.

A professional caregiver will keep an eye on your loved one and detect changes in their condition, such as refusal to eat, sudden weight loss, medication mismanagement, forgetting to turn the oven off, etc. This kind of accountability can make a significant difference in preventing accidents and avoidable health complications, particularly in situations where an older adult has a difficult time with communication and/or remembering things. These caregivers are specifically trained to read subtle cues that a senior’s mental or physical condition has changed and act quickly to remedy the situation.

Whether you live 10 minutes away or on the other side of the country, it is hard not to worry about your loved one when you cannot be nearby. In-home care provides the one-on-one, personalized care that a sole caregiver is not able to offer full time, giving you priceless respite AND peace of mind. A professional caregiver is a valuable addition to your loved one’s care team.

If you have concerns about a senior’s ability to live independently or your responsibilities as their sole caregiver, then it is a good idea to begin exploring home care companies in your area. Consider both the tangible and intangible benefits that could come from hiring a professional caregiver for your aging loved one, and take advantage of this increasingly popular method of care.

by Anne-Marie Botek

Moving is a notorious source of stress, regardless of an individual’s age or life situation. Disrupted routines, the challenge of finding a new home, and the hassle of packing and unpacking all of one’s personal belongings are just a few factors that contribute to the overwhelming amount of work that goes into a major move.

For older adults who are vacating their long-time homes to take up residence in independent living (IL) communities, these normal stressors are often compounded by feelings of anger and sadness due to a perceived loss of freedom and vitality.

While it’s common to feel nostalgic and a sense of loss when moving from a cherished home, there’s far more powerful emotions at play for older adults who are moving to senior living. Leaving their home in the community is a symbolic end to the life they worked for years to create. Things will certainly be different in independent living, but it’s important for a senior’s family members and close friends to ease this transition by reminding them that they still have their independence and there are many new opportunities and friendships awaiting them at their new home if they are open to these things.

Making sure the move itself goes smoothly can also help reduce stress to a senior. This is why you should look for highly rated moving companies Chicago, or indeed wherever they are based, before proceeding onwards. After all, the move to independent living can seem like a slippery slope for seniors. Logically, the next steps are assisted living and possibly even a nursing home. Acknowledging and accepting this reality is challenging, but the emphasis should be placed on the present rather than the hypothetical future.

A move to independent living is not the tragic ordeal that many older adults believe it to be, argues Wallace. Unlike assisted living facilities and nursing homes, IL communities don’t accept seniors who need skilled nursing care or assistance with activities of daily living. The men and women in independent living settings are still capable of maintaining a relatively active and autonomous lifestyle.

These communities are settings that offer enhanced independence for residents. The services available at IL are meant to support an elder’s ability to remain self-sufficient and take mundane responsibilities like home maintenance, transportation, meal preparation and housework off their plates. Ideally, the additional free time these services create can be used to explore community amenities, pursue social opportunities and focus on enjoying a happy and healthy retirement.

While much of the success of this transition lies with the seniors themselves, there are things that family members can do to ease the adjustment before, during and after the big move. Here are a few tips for family caregivers to keep in mind:

Acknowledge your loved one’s loss. Realize what your loved one has left behind by moving out of a home they’ve lived in for many years.

Be prepared for the move. Avoid unnecessary stress by packing well in advance of the move-out date so you’re not rushing through this delicate process.

Help them get settled in their new home. Wallace encourages relatives to assist with the unpacking and decorating of an elderly loved one’s new home.

Let them go. Knowing when to step back and let a loved one get on with their new life in independent living can be tricky—there’s no one sign that will tell you it’s time to let them figure things out on their own.

by AgingCare.com

Whether it’s due to a stroke, Parkinson’s disease, dementia, low vision or simply old age, eventually everyone reaches a point in their lives when they must rely on someone to help them with activities of daily living (ADLs). Depending on a person’s specific situation, that could mean it is time to move into a senior living community or move in with a family member. Both options involve big changes for the senior, but when an aging parent moves in with you, it can be a stressful change for both parties.

Multi-Generational Living vs. Senior Housing

Most family caregivers care deeply for their aging loved ones. We want to make sure our elders are taken care of, and if that means that Mom and/or Dad must move in with us, then so be it. Many people don’t consider assisted living or a skilled nursing home to be an option for an elder who can no longer live alone safely. In their minds, senior living communities are pricey and conjure up images of seniors watching daytime television and consuming Jell-O by the gallon. Yes, long-term care is costly, but these stereotypical notions about senior living communities are largely exaggerated and outdated.

Still, many adult children do not consider senior housing to be the best option for their elderly parents. This is when the idea of multi-generational living usually pops up. As long as you have a spare bedroom or adequate space you can re-purpose for a loved one’s quarters, it doesn’t seem like such a big change at first glance, right? Not so fast. This is a decision that should be carefully thought through and discussed at length with everyone involved. It’s important that you thoroughly research the ways in which you can help your loved one live comfortably. For example, you might choose to get a platform stairlift installed, these are ideal for disabled people and can really help make their lives much easier. Make sure you do plenty of research before your loved one moves in with you.

Of course, the extent of these changes depends on the nature of your relationship with your loved one and the level of care they require (which will increase). In addition to weighing the emotional implications of this decision, it’s important to consider the logistical details of the transition as well. Most seniors do not want to be a burden on their loved ones. They wish to adhere to their daily routines with as little assistance as possible. Some families feel it’s necessary to install stair lifts to help their older family members navigate around their home more independently if their home is spread over multiple floors. Los Angeles and Orange County stair chairs are installed by T. L. Shield to solve two-story home mobility issues, some people like to use this company whilst others might want to find some mobility aids more local to them. A stair lift is just one of the potential changes you could make to your home if you wanted to. Furthermore, as a person with your own life outside of care giving, it is unrealistic to assume you will be available 24/7 to provide a helping hand. For these reasons, adapting your home to maximize your loved one’s safety and independence is paramount.

Fortunately, manufacturers of independent living products are constantly developing items and equipment that are beneficial to both seniors and their caregivers. Products that allow seniors to safely handle activities of daily living with little or no assistance are also being redesigned to look less clinical and function more efficiently without permanent installation. Using independent living products to adapt your home will allow your aging loved one to maintain an independent and safe lifestyle, helping you feel less burdened and enabling your house to retain its normal appearance.

Bathroom Modifications to Improve Senior Safety

As we get older and our strength and balance wane, bathrooms often become the most dangerous rooms in the house. This area of the home combines moisture and hard, slick surfaces-conditions that increase the risk of falls and provide no forgiving areas for a senior to land. Simple tasks like getting on and off the toilet or stepping in and out of the shower can be very risky for older adults. Showering can be made much easier with wet rooms or larger shower spaces. You might also want to consider switching your old shower for one of the best electric shower systems. Electric showers can benefit older people as they deliver hot water instantly, meaning that if your elderly parents are more sensitive to the cold, they won’t have to wait for the shower to warm up.

Grab bars are an essential addition for helping a senior handle personal care tasks like bathing and toileting safely and independently.