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Informational Articles 

Senior New Ways is announcing a new monthly feature!  At the beginning of each month, we will publish a new article providing information and insights on topics relevant to boomers and seniors.  Be sure to check back every month for new articles!

Index of Articles:


February 2012

Loneliness Harms Health: Love and Companionship Result in a
Healthier and Longer Life

February is the month of love, but dark chocolate isn’t the only sweet gift that is good for the heart – building strong relationships plays a vital role in living a longer and healthier life, too. Physicians have been preaching that eating right and getting regular exercise will improve longevity. But, what about the idea that maintaining positive relationships also can help keep people healthy? In numerous studies, researchers are finding that people who have strong friendships age better, recover from illness quicker, have stronger immunity and live longer.

For many years, research focused on the practical view of socialization. As they grew older, people with more developed social connections could get a ride to the doctor, find someone to lend a hand with physical care or go out to dinner with companions. And this is indeed an important part of the picture. However, it is now known that this isn’t the whole story of why social engagement is so important.

According to researchers at Brigham Young University and the University of North Carolina at Chapel Hill, who pooled data from 148 studies involving more than 300,000 men and women across the developed world, those with poor social ties had an average of 50 percent higher odds of death in the study’s follow-up period (an average of 7.5 years) than those with “robust” social ties.

Among the aging, the lack of ongoing relationships and love is a common concern, and the connection between relationships and life expectancy is not a new theory. One health problem reported by Medical News Today links the risk of developing Alzheimer’s disease in old age to social isolation. Loneliness was linked to lower levels of cognitive function as well as more rapid decline of function. People who identified themselves as lonely experienced double the risk of developing Alzheimer’s than those who described themselves as least lonely. According to AgeInPlace.com, an online resource that helps seniors maintain their quality of life, 28 percent of Americans older than age 65 live alone. It is important for seniors and caregivers to be aware of the potential for social isolation and how to create opportunities to develop personal bonds with others.

Additionally, gerontologists state that maintaining human relationships promotes healthy aging in many ways, including:

• Strengthening the immune system

• Lowering blood pressure

• Encouraging physical fitness

• Improving sleep

• Motivating good nutrition

• Reducing the perception of pain

Love from friends and family could be the key to ensuring a longer, happier life. Remember your loved one this Valentine’s Day by giving a cherished gift – your time.

Gene Lennon
Director, Senior New Ways Board of Directors

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January 2012

Mood-Boosting Strategies to Beat the Post-Holiday Blues

The holiday season is a festive time of year, when family and friends get together, gifts are exchanged, delicious treats are shared, and music and laughter fill the air. However, following New Year’s Day, the cheerful mood may turn into the doldrums. Loved ones return to their homes thousands of miles away, the credit card bill arrives, decorations are back in boxes and the scale reveals that too many treats were eaten.

So how can you fight the post-holiday blues? Help boost your spirit in the following ways:

• Exercise: When you exercise, the brain’s executive functions (planning, organizing and multitasking, among others) can improve and dementia is less likely to occur, so take an exercise class or join a walking group to add spark to your step. two people walking

• Eat healthy foods: You feel better when you eat a healthy diet; therefore, substitute junk food with fruits, vegetables and healthy fats like fish, nuts and seeds.

• Get out of the house: Don’t stay cooped up at home all day; engage in an outdoor activity that will make you feel alive and happy. Go to the park or take a trip to the hairdresser. If you cannot drive or a bus stop or subway station isn’t near your home, find local services that can transport you to where you want to go, so you are not homebound.

• Socialize: The human touch releases uplifting endorphins like serotonin, and reduces blood pressure and heart rate, making you more relaxed and content. Participate in social activities as often as you can. Have lunch or go to a movie with a friend. By getting out and meeting people, you will keep your mind sharp and give yourself something to look forward to regularly.

There are many other ways you can enhance your mood. For example:

• Volunteer: Taking time to help others is one of the best ways to feel better about yourself and regain perspective.

• Listen to music: Music entertains, distracts you from negative thoughts and encourages daydreaming. It can soothe patients with dementia, treat anxiety and insomnia, and lower blood pressure.

• Start a hobby or learn a skill: Take up painting, scrapbooking or chess. Challenge yourself by trying something you’ve always wanted to learn or that stimulates your creativity.

• Get a pet: Petting a dog or playing with a cat enhances your mood and lowers stress, so keep yourself company with a furry friend.

• Laugh: Follow the adage “laughter is the best medicine”; watch a comedy movie or TV show, read a funny book or swap humorous jokes and stories with a loved one.

By following one of more of these methods, you’ll chase those blues away in no time. However, if you cannot shake your gloomy feeling after trying some of these suggestions, you may be suffering from depression. Contact a professional therapist for help.

Gene Lennon
Director, Senior New Ways Board of Directors

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December 2011

Respite Care Critical for Long-Term Family Caregivers

November is National Family Caregivers Month

More than 65 million family caregivers, 29 percent of the U.S. population, spend an average of 20 hours per week providing care for their chronically ill, disabled or aging loved ones each year, according to the National Family Caregivers Association (NFCA). November is recognized as National Family Caregivers Month by the NFCA and is a time each year to thank, support, educate and empower those who selflessly devote their time and energy in their roles as family caregivers.

Every day, family caregivers assist loved ones with daily tasks including personal care, homemaking and transportation. However, caregiving can have broad physical, emotional and financial implications. This month-long awareness helps educate family caregivers and their loved ones on the respite options available.

Caregiving is a demanding job and respite care provides a short-term, much-needed break to relieve stress, restore energy and promote balance in a caregiver’s life. There are both in-home and out-of-home respite care options to consider.

In-home respite care services allow loved ones to remain in their own homes and can be provided by volunteers or paid help, occasionally or on a regular basis. Many in-home care agencies offer trained, insured and bonded caregivers who can provide homemaking, physical assistance, hygiene, wellness and skilled nursing services. Companionship and assistance with basic daily tasks can also be provided by other family members, neighbors or volunteer and nonprofit groups in the community.

There are also many out-of-home respite care options available for family caregivers. Adult day care services can provide social and health services for adults who need supervised care outside of the home. These services are typically available during normal business hours and often offer social activities, transportation, meals and snacks and personal care. There are also residential respite care facilities who offer short-term care, whether it is needed over night, for a few days or for a few weeks. The cost for this supervised, safe care varies and is not always covered by insurance or Medicare.

When selecting any of these options, family caregivers should assess what their needs are: type of care, skills, location and frequency. Qualified providers should then be chosen based on the services that best meet these needs. While finding and implementing successful respite care can be challenging, in the end the relief and revitalization that follows benefit all involved in the caregiving process.

Gene Lennon
Director, Senior New Ways Board of Directors

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November 2011

The Holidy Gift of Care Can Benefit Senior Citizens Year-Round

Most senior citizens already have access to the material possessions they need, such as clothing, bath towels, bedding and small kitchen appliances. Rather than replacing these items as gifts this holiday season, senior care experts suggest family members give the gift of care – a present that will benefit senior citizens year-round.

When a senior citizen receives in-home care for a few hours or on a regular basis, that individual is able to live a happier and healthier life in the comforts of his or her own home. This gift not only benefits the senior citizen, but the family members, as well. Such care can reduce stress on the entire family. This type of care also allows more quality time between the loved one and his or her family members.

happy holidays clip art

Families can establish a set dollar amount to spend on care. They also can determine how much care is needed for their loved one on a regular basis, such as visits by the caregiver once a week or even once a month.

When in-home care is arranged for an individual, that person can receive help around the home, with tasks such as washing the dishes, light cleaning or doing laundry. The caregiver also can run errands for the senior citizen and even assist with meal preparation on a regular basis.

The amount of care given to the individual can certainly vary. Senior citizens and their families can work together with caregivers to determine just how much assistance is necessary. That way, the senior citizen will retain control of his or her life while still living at home.

The U.S. Department of Health and Human Services agrees that in-home care can yield a healthier life for senior citizens. The department states that promoting the healthy lifestyles of older Americans is vital in helping them maintain health and functional independence.

Coordinating care can be an introduction to in-home care for family members and their loved ones. Seniors may be reluctant to seek out such care for themselves, so the family’s purchase of this care can ease that transition.

Gene Lennon
Director, Senior New Ways Board of Directors

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October 2011

Consumer Alert: Diligence and Education Thwart Scams

Bernie Madoff-like ponzi frauds, foreign lottery winnings ploys and work-at-home check cashing schemes. These are just a few of the scams that have made headlines over the past year. Scams and fraudulent business practices that intend to swindle can impact anyone including the affluent and highly educated, as well as the non-native speaking, the poor and the elderly. In difficult economic times, scammers continually search for new ways to deceive. Recently publicized scams include individuals posing as bank officials offering to refinance mortgages or to confirm account numbers via the Internet or over the phone.

Anyone with a phone, mail box, Internet access or front door can be a possible scam target. Scammers prey on the weakness of human nature or a specific demographic group. They understand that most people want a “great deal” or desire to be wealthier and more beautiful. Scams are often targeted to individuals with unique backgrounds and special needs, including seniors.

“Scam artists steal more than money for a product or service. They steal a senior’s dignity, trust and self esteem,” said Allen Hager, CEO and founder of Right at Home, a national provider of in-home care with 160 locations in 41 states. “Education and awareness are key components of stopping scams and protecting our loved ones.”

It has been the experience of the Federal Bureau of Investigation (FBI) that the elderly are targeted for fraud for several reasons:

- Seniors grew up in an era in which your word was your bond and a handshake closed a deal. They assume that if someone seems nice, they must be trustworthy.

- These individuals were raised to be polite, especially if they are showing the time to care. Many scammers prey on their loneliness and desire for conversation.

- Seniors have money to spend. Many seniors have retirement savings, own their home and have an excellent credit rating.

- As seniors strive for independence, they have an increased need for goods and services to maintain their homes. They make purchase decisions without the input of others.

- Mental or physical impairments are used by perpetrators to confuse the elderly. Scammers can give one price, but demand more money after the service is completed, claiming the senior did not clearly hear or completely understand the price.

- Seniors are least likely to report a fraud since they are afraid that relatives will doubt their mental competency. They fear that they will seem foolish since they fell for a fraud.

Most common senior scams according to FBI:

- Health Insurance (“rolling lab” schemes, medical equipment fraud, Medicare fraud)

- Counterfeit Prescription Drugs (“Special deals” or on-line purchases)

- Funeral and Cemetery Fraud (contracts, refund terms, embalming rules)

- Telemarketing (“get rich quick” schemes, travel offers, often involve prizes)

- Anti-aging Products (vitamins, creams, “secret” formulas, “breakthroughs”)

- Investment Schemes (advance-fee, Nigerian letter, Prime bank notes)

- Internet Fraud (non-delivery of items, credit/debit card fraud)

- Charitable Fraud (non-existent charity)

 

Things to remember to stop scamming by Stopseniorscams.org:

1. If an offer sounds too good to be true, it probably is.

2. When it comes to a "now or never" opportunity, choose "never."

3. Keep account numbers, codes and passwords private. Be wary of giving any information out to anyone over the phone unless you initiated the call.

4. Shred bills, junk mail and receipts before discarding them.

5. Don't be afraid to report your experiences. If you feel uncomfortable, tell someone.

 

If you have any questions regarding a company, contact your local Better Business Bureau (BBB) at www.bbb.org to check its service or complaint record. To find out your legal rights if you or a family member has been a victim of a fraud, contact the Consumer Protection Division of your state Office of the Attorney General. A number of federal and state laws are designed to protect consumers from unethical business practices including the Federal Trade Commission or the Postal Inspector.

If an individual has been victimized once, he or she becomes a more likely target for additional scams. You can take precautions to avoid a second incident, including changing the senior’s phone number and making it unlisted. The telephone company can also block all outgoing 900 numbers. In addition, a family member, caregiver or friend can assist seniors with sorting mail and identifying possible scams.

Gene Lennon
Director, Senior New Ways Board of Directors

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September 2011

September is National Cholesterol Education Month

September is National Cholesterol Education Month, an ideal time to have your blood cholesterol checked and take action to lower it if it is high. High blood cholesterol affects more than 65 million Americans and is a major risk factor for heart disease, the No. 1 killer of women and men in the U.S. Many people don’t know their cholesterol is high since the condition usually doesn’t have any symptoms. However, a simple blood test can determine your cholesterol number. If your cholesterol is too high, you can lower it by incorporating lifestyle changes that will lessen your risk for developing heart disease and reduce the chance of having a heart attack or dying of heart disease. If lifestyle changes aren’t enough, medication can help.

picture of doctor bag and stethescope

Cholesterol is a waxy, fat-like substance your body needs to function normally. Your body makes all the cholesterol it needs, so when there is too much of it in your blood, it builds up on the walls of your arteries, causing them to narrow and slow blood flow to the heart. If enough blood, which carries oxygen, cannot reach your heart, you may suffer chest pain. If the blood supply to a portion of the heart is completely blocked, the result is a heart attack.

The National Heart, Lung and Blood Institute recommends that you have your cholesterol checked every five years with a blood test, called a fasting lipoprotein profile. Compare your results with the following information:

• Total cholesterol – Less than 200 milligrams (mg) of cholesterol per deciliter (dL) of blood is desirable.

• Low-density lipoprotein (LDL or “bad” cholesterol) – Less than 100 mg/dL is best; LDL is the main source of cholesterol buildup in the arteries; the higher your LDL level, the greater your chance of getting heart disease.

• High-density lipoprotein (HDL or “good” cholesterol) – 60 mg/dL or more is optimal; HDL helps keep cholesterol from building up in the arteries; the higher your HDL level, the lower your chance of getting heart disease.

• Triglycerides – 150-199 mg/dL is borderline high and 200 mg/dL is high; triglycerides is another form of fat in your blood that can increase the risk of heart disease; if your level is borderline high or high, you may need treatment.

You can lower your cholesterol number by making these lifestyle changes:

• Eat more fresh fruits and vegetables and whole grains, which are low in fat and high in fiber.

• Maintain a healthy weight.

• Be physically active for 30 minutes on most, if not all, days.

• Don’t smoke or quit if you smoke.

Factors you cannot control but also can affect your cholesterol number include:

• Age – Cholesterol increases with age.

• Gender – Before menopause, women have lower total cholesterol levels than men of the same age. After menopause, women’s LDL levels tend to rise.

• Heredity – Your genes partly determine how much cholesterol your body makes. High blood cholesterol can run in families.

Gene Lennon
Director, Senior New Ways Board of Directors

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August 2011

Easy and Healthy Eating for Seniors

Aging Changes the Body's Nutritional Needs

A balanced diet is the key to health and vitality. But what makes up a "balanced" diet? The body's needs change as it ages, and the nutritional needs of seniors' bodies are different than when they were younger. Adapting to the body's changing needs can be a challenge, especially for seniors, who have become used to particular dietary rituals that have worked for them their entire lives.

Learning to adapt along with your body can be confusing and challenging for seniors. But fulfilling the body's needs with a nutritious diet can keep seniors healthy and independent for much longer.

Seniors' Changing Needs

As people age, their bodies change. These changes affect the nutritional needs and wants of the body. The metabolism begins to slow beginning at age 40, so seniors require fewer calories than they did when they were younger. When coupled with the reduced activity levels of most seniors, reduced calorie needs can require some significant diet changes to maintain a healthy weight. According to the National Institute of Aging, women 50 and older should consume 1,600 to 2,000 calories per day, while men 50 and older should consume 2,000 to 2,800, depending on activity level. A reduced metabolism also results in lower levels of stomach acid, which means seniors are not able to digest vitamins and minerals as effectively. Additionally, the senses become less sensitive over time, so foods sometimes taste differently than they did earlier in life.

A Balanced Diet for Seniors

Due to these natural changes, the nutritional quality of what seniors consume matters even more than when they were younger; they must gain the nutrients they need through a smaller amount of food. Following simple guidelines can help make every calorie count:

• Choosing a colorful variety of fruits and vegetables rather than sticking to just a few favorites helps seniors gain the greatest nutritional benefits from their servings. Seniors should consume 1 1/2 to two servings of fruits and two to 3 1/2 servings of vegetables each day.

 • Seniors should keep bones strong with 1,200 milligrams of calcium each day. Dairy products, including milk, yogurt and cheese are great sources of calcium. Non-dairy sources include almonds, broccoli, kale and tofu.

 • Keep the brain sharp with omega-3 fatty acids. Consumption of these healthy fats has been linked to a reduced risk for Alzheimer’s disease. For optimal health, seniors should consume three to four servings of fish, nuts and other foods rich in omega-3 fatty acids each week.

 • Fiber-rich whole grains can improve digestion, reduce risk of coronary heart disease and help the body absorb important nutrients. Seniors should eat six to seven ounces of grains each day; a slice of bread is one ounce.

 • Seniors need to consume one gram of protein each day for every two pounds they weigh (half their body weight) to maintain energy levels.

 • Many seniors may not feel as thirsty as they felt earlier in life, but they still need just as much water. Encourage your loved one to drink several large glasses of water throughout the day and not to wait until he or she feels thirsty.

 • Seniors can benefit from adding vitamins and other supplements to their diets and should talk to their doctors to learn about which may help them stay healthy.

Smart Cooking

Starting with healthy raw foods is the first step, but how foods are cooked impacts their nutritional benefits, too. Overcome common cooking challenges for seniors and get more from each meal by cooking smarter:

• Although it’s important for seniors to reduce their sodium intake to prevent high blood pressure and other health conditions, seniors also have a reduced sense of taste. Stave off the impulse to douse meals in salt by cooking with more herbs and spices to keep meals flavorful.

 • When cooking vegetables, opt to steam or sauté them in olive oil. Unlike butter, olive oil will keep bad cholesterols low and good cholesterols high. Steaming and sautéing preserve the most health benefits in veggies; boiling will deplete them of nutrients.

 • It can take a while to get used to major changes in eating habits for seniors who have eaten a particular diet their whole lives. Taking small steps gradually to make healthier choices can have a more lasting impact than overhauling their entire diets at once.

Eating healthy can improve strength, energy and mental acuity. It also keeps the immune system strong, reducing seniors' vulnerability to disease — as well as the risk for many health conditions that become common with age, such as type 2 diabetes, high blood pressure, heart disease, stroke, anemia and much more. A balanced diet is also linked to better emotional stability and higher self-esteem. With a balanced diet, seniors can live fuller, longer and more independent lives.

Gene Lennon
Director, Senior New Ways Board of Directors

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July 2011

Senior Driving and Traffic Safety

Safety Tips for Older Drivers

While traffic safety is important for all drivers, seniors experience physical changes that can affect their driving abilities. Although some seniors can drive well into their 70s, 80s and 90s, others cannot. It can be a tough adjustment for people who are used to using their cars to visit friends and family, attend doctor appointments and go shopping. Seniors often equate losing their driving privileges to becoming dependent and losing control and spontaneity in their lives. However, there are simple safety steps older adults can take to ensure they are driving safely.

Vision

The ability to see clearly while driving changes with age. According to AAA, the amount of light needed to drive nearly doubles every 13 years. For example, a 45-year-old requires four times as much light as a 19-year-old, and a 60-year-old requires 10 times as much.

Change in vision is a common reason why many seniors have restricted licenses or have their licenses revoked. Good vision is crucial to driving and senior drivers should keep the following in mind:

• Get an annual eye exam. Your eyes change rapidly and early detection can slow the progress of many eye problems.

• Limit driving to the daytime. It takes more time for aging eyes to adjust to the glare of oncoming headlights.

• Keep your head and eyes moving. While driving look ahead of your vehicle for other vehicles, pedestrians, animals or hazards. While driving in the city look at least one block ahead and on the highway look 12 to 15 seconds ahead. Glance frequently in your rearview mirror.

• Keep your headlights, taillights and the inside and outside of your windshield clean. Choose a car with a clear windshield as tinted windows can reduce the amount of light entering the eye.

• Avoid wearing eyeglasses and sunglasses with wide frames that may restrict your side vision. Always keep your eyeglasses clean.

Medications

Many senior drivers take medications that may affect safe driving, leading to drowsiness and confusion. Seniors should talk to their doctors about the effects their medications may have on their driving abilities and follow these guidelines:

• Read the fine print. Many prescription and over-the-counter medication labels include the message "Do not use while operating heavy machinery." Be cognizant of the warnings on your medications before getting behind the wheel.

• Consult with your doctor before taking any new medications. The interaction between certain drugs can affect your ability to safely drive.

• If any medications cause fatigue or disorientation, stop driving.

Physical and Mental Fitness

Driving takes strength, flexibility and coordination and seniors should continue to participate in physical exercise to keep their motor skills sharp. Mental fitness is also important as older minds sometimes react more slowly than younger minds. Here are some ways for seniors to enhance their physical and mental fitness:

• Take a brisk walk every day or start a garden in your backyard to stay physically fit.

• Stimulate your brain. Activities such as crossword puzzles, brain teasers and card games stimulate your mind and enhance your problem solving, memory, reasoning and concentration skills.

Alternatives for Older Drivers

A person’s driving ability is dependent on many factors. Chronological age is not always the best predictor of one’s ability to drive safely. If you or your loved one has had a series of minor accidents, is unable to concentrate, is getting lost on familiar roads or is unable to read or recognize ordinary road signs, it may be time to step out from behind the wheel. However, there are alternatives available. Many in-home care agencies may offer many companion services including transportation to doctor’s appointments and recreational activities, as well as shopping and errand services.

Seniors can also utilize public transportation where available. There are often community agencies that provide volunteer transportation services for seniors, as well. These alternatives can give retired drivers the independence they once had while keeping them out of harm’s way.

Gene Lennon
Director, Senior New Ways Board of Directors

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June 2011

June is "Home Safety Month"

Seniors Twice as Likely to Suffer Injuries or Death in Their Home

June is “Home Safety Month,” an opportunity to educate and empower older adults and their families to take action and increase the safety of their homes. The aging population can continue to live safely and independently in their homes by implementing fall prevention and fire safety habits.

No one wants to think about being injured at home as it is a safe haven for many of us. Thankfully there are many simple actions you can take to help save lives and prevent injuries. Agencies and organizations are available to help older adults and their loved ones identify and correct household hazards that can lead to slips, falls and other dangers.

For many older adults, falls can be a life-changing event leading to less mobility, independence and even death. According to the Home Safety Council, an average of nearly 5,000 Americans age 65 and older die from fall-related injuries in their homes each year.

The Home Safety Council offers the following tips for fall prevention:

• Install handrails on both sides of the stairs and ensure they go from the top to the bottom.
• Tape small rugs to the floor or do not use them at all as they can be a tripping hazard.
• Have plenty of lights at the top and bottom of the stairs and be sure to keep them clear of debris.
• Place night lights in the bedroom, hallway and bathroom.
• Lay a mat or non-slip strips in the tub and shower and have grab bars installed.

Older adults and their families are also encouraged to prepare for fire emergencies. Older adults are twice as likely to suffer injuries or lose their lives in a fire than the general population, according to the Home Safety Council. The Home Safety Council also offers the following tips for fire safety:

• Make sure there is a least one working fire alarm on each level of the home, located inside or near sleeping areas.
• Create a home escape plan and practice it at least twice a year. Move the bedroom to the first floor to escape outside quickly in case of a fire.
• Keep escape routes clear and make sure doors and windows open easily.
• Keep a phone in the bedroom to call for help if necessary.
• Always stay in the kitchen when food is cooking on the stove and avoid loose clothing while cooking.
• Smokers should use large, deep ashtrays on a sturdy table and stay alert while smoking.
• Plug only one cord into each electrical outlet and unplug appliances when not in use.

Taking many of these simple safety steps can help to keep older adults living safely and independently in their own homes. We know that living independently has many benefits, and these steps will help older adults maintain their independence and enjoy a full life.

Gene Lennon
Director, Senior New Ways Board of Directors

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May 2011

Factors to Consider Before Moving
Your Aging Loved One into Your Home

As a person begins to age, family members often feel the need to help with everyday tasks that become challenging, such as meal preparation, laundry and housekeeping. Eventually, many family members find themselves assisting in ways they never expected, such as with hygiene and grooming. This can lead to the common decision to move an aging loved one into the home of a family member. One out of four adult children lives with an elderly or disabled relative he or she cares for, according to Caring.com.

However, moving a loved one into your home may take a toll on the family caregiver, causing stress, fatigue and strained relationships with family and friends. There are additional options to consider, such as in-home care, assisted living or a nursing home facility. If you need help, you’re not alone. Recognizing your loved one requires additional assistance is just the first step to ensuring your loved one gets the assistance needed.

Family caregivers should consider the following factors before moving an aging loved one into their home:

  • Consider your daily schedule and availability. Caring for an aging loved one is a great way to repay the nurturing love and care he/she gave to you. However, if you are working a full-time job and caring for children of your own, it may be difficult to take on the additional responsibility of someone requiring constant assistance. Be realistic about how much time and energy you have each day to devote to your aging loved one. Also, understand that the level of care you need to provide will most likely increase over time.
  • Review the history of your past relationship. Getting along well with your loved one and being able to peacefully and successfully overcome any differences is a major benefit when living under the same roof as someone. However, if you have a strained relationship and have a hard time resolving conflicts, be aware that the relationship will not magically improve if you live together. If your loved one suffers from Alzheimer’s or dementia, consider whether you will be able to handle the possible personality changes that may come in the future.
  • Ensure your home is physically safe for an aging adult. Ensure that your home doesn’t pose any health or safety hazards. For example, older adults should ideally live on the first floor of your home to avoid stairs. If this is not possible, you may need to have an automatic stair lift installed. You may need to put in a ramp if there are stairs leading up to the front door of your house. Additional modifications may be needed in the bathroom, kitchen and bedroom. For a home safety checklist, visit http://www.rightathome.net/assets/PDF/HomeSafetyChecklist-2.pdf.
  • Consider the financial impact. Moving an aging loved one into your home may become a financial burden or may provide financial benefits. Come to a financial agreement before any living arrangements are made. Consider having your loved one contribute to household costs to ease the burden. Recognize that you and your family may have to make sacrifices to make the situation work, such as using your savings account or cutting back on entertainment spending. Include other family members involved in your loved one’s care in the discussion. There is no right or wrong way to deal with finances, and agreeing on an arrangement first can help you avoid disagreements later.

Taking a broad view of the situation and determining which solution is right for everyone involved can lead to a happier and healthier family. If you decide to move your aging loved one into your home, remember to allow yourself an occasional respite from caregiving and consider hiring an in-home care agency. Trained caregivers are available to provide companionship, homemaking, physical assistance, hygiene and wellness for your loved one.

Gene Lennon
Director, Senior New Ways Board of Directors

Top of page

 

April 2011

Consumer Alert: Diligence and Education Thwart Scams

Bernie Madoff-like ponzi frauds, foreign lottery winnings ploys and work-at-home check cashing schemes. These are just a few of the scams that have made headlines over the past year. Scams and fraudulent business practices that intend to swindle can impact anyone including the affluent and highly educated, as well as the non-native speaking, the poor and the elderly. In difficult economic times, scammers continually search for new ways to deceive. Recently publicized scams include individuals posing as bank officials offering to refinance mortgages or to confirm account numbers via the Internet or over the phone.

Anyone with a phone, mail box, Internet access or front door can be a possible scam target. Scammers prey on the weakness of human nature or a specific demographic group. They understand that most people want a "great deal" or desire to be wealthier and more beautiful. Scams are often targeted to individuals with unique backgrounds and special needs, including seniors.

"Scam artists steal more than money for a product or service. They steal a senior's dignity, trust and self esteem," said Allen Hager, CEO and founder of Right at Home, a national provider of in-home care. "Education and awareness are key components of stopping scams and protecting our loved ones."

It has been the experience of the Federal Bureau of Investigation (FBI) that the elderly are targeted for fraud for several reasons:

- Seniors grew up in an era in which your word was your bond and a handshake closed a deal. They assume that if someone seems nice, they must be trustworthy.

- These individuals were raised to be polite, especially if they are showing the time to care. Many scammers prey on their loneliness and desire for conversation.

- Seniors have money to spend. Many seniors have retirement savings, own their home and have an excellent credit rating.

- As seniors strive for independence, they have an increased need for goods and services to maintain their homes. They make purchase decisions without the input of others.

- Mental or physical impairments are used by perpetrators to confuse the elderly. Scammers can give one price, but demand more money after the service is completed, claiming the senior did not clearly hear or completely understand the price.

- Seniors are least likely to report a fraud since they are afraid that relatives will doubt their mental competency. They fear that they will seem foolish since they fell for a fraud.

The most common senior scams according to the FBI:

- Health Insurance ("rolling lab" schemes, medical equipment fraud, Medicare fraud)
- Counterfeit Prescription Drugs ("Special deals" or on-line purchases)
- Funeral and Cemetery Fraud (contracts, refund terms, embalming rules)
- Telemarketing ("get rich quick" schemes, travel offers, often involve prizes)
- Anti-aging Products (vitamins, creams, "secret" formulas, "breakthroughs")
- Investment Schemes (advance-fee, Nigerian letter, Prime bank notes)
- Internet Fraud (non-delivery of items, credit/debit card fraud)
- Charitable Fraud (non-existent charity)

Things to remember to stop scamming by www.stopseniorscams.org:

1. If an offer sounds too good to be true, it probably is.
2. When it comes to a "now or never" opportunity, choose "never."
3. Keep account numbers, codes and passwords private. Be wary of giving any information out to anyone over the phone unless you initiated the call.
4. Shred bills, junk mail and receipts before discarding them.
5. Don't be afraid to report your experiences. If you feel uncomfortable, tell someone.

If you have any questions regarding a company, contact your local Better Business Bureau (BBB) at www.bbb.org to check its service or complaint record. To find out your legal rights if you or a family member has been a victim of a fraud, contact the Consumer Protection Division of your state Office of the Attorney General. A number of federal and state laws are designed to protect consumers from unethical business practices including the Federal Trade Commission or the Postal Inspector.

Gene Lennon
Director, Senior New Ways Board of Directors

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March 2011

Rising Costs for Seniors in 2010

Resources Are Available to Help Pay for Senior Care Expenses

How much does it cost to grow old in the United States? Many people look forward to retiring with a healthy savings account and dream of spending their days traveling and spending time with their grandchildren. But as seniors are living longer – the average life expectancy in 2010 is 78 – they are also becoming financially vulnerable when it comes to their ability to meet essential expenses and cover projected costs over their lifetimes.

“Some seniors are faced with a growing financial gap between income and basic needs,” said Allen Hager, CEO and founder of Right at Home, an international provider of in-home care with 175 locations across the U.S., United Kingdom and Brazil. “However, there are resources available to help seniors continue to live independently.”

Rising Costs

Seniors and their loved ones are dealing with the rising costs of food, housing, transportation and healthcare. While the average Social Security benefit for a couple is $21,569 per year, basic living expenses exceed an average of $31,000 per year.

clip art of moneyRising healthcare costs are a main concern for seniors. Research has shown that Medicare covers only about half of a senior’s medical expenses, contrary to the common belief that Medicare will cover most costs. Seniors spend more on out-of-pocket healthcare expenses than any other age group and their spending is more than double the average of non-elderly adults, according to the National Center for Policy Analysis. Seniors, ages 65 and older, spend an average of $4,888 annually for deductibles, co-payments, premiums and other healthcare expenses not covered by insurance.

Many seniors also must deal with the costs of home care, assisted living, or nursing homes. The costs associated with senior care can vary greatly depending on the number of hours of service needed each day or week, where you are located in the country and the level of services you need. According to a recent survey by MetLife, the hourly rates of home health aide workers and respite care providers range from $8 to $40 per hour. Monthly costs vary widely because of the varying time periods that someone may need care. For example, some people use home care a few hours a day while others use home care around the clock. Cost can also vary depending on the services utilized in your home. The cost of assisted living facilities ranges from $850 to $4,000 per month, while the average cost for a private room in a nursing home is $6,400 per month.

Available Resources

There are many options and tools available to help seniors pay for these necessary expenses. One option is the purchase of long term care insurance. Just like other insurances, with long term care insurance, policy owners pay a premium for coverage in the event that you will need home care, an assisted living facility or a nursing home in the future. There are many different types of policies that you can choose from, some that even protect against inflation. Of course, the best time to apply is when you are healthy, young and not in need of it.

Long term care insurance can be an important investment in your future, but it’s very important to have all of the facts before you buy. Before you make any decision on whether or not to purchase long term care insurance, you should seek the counsel of your financial advisor, elder law attorney or insurance agent to fully review all of the different types of coverage available.

Another option to pay for costs associated with aging is a reverse mortgage, which allows homeowners ages 62 or older to access the equity they have in their home. The lender makes payments to you, the homeowner, not the other way around. Think of it this way: a reverse mortgage gradually reduces the amount of equity you have in your home by the amount of the payments advanced to you, plus interest on the amount advanced, plus any fees you finance as part of the deal.

The money that is accessed can be used to make improvements and modifications for safety and accessibility, pay for home care needs or a variety of other expenses. The funds you receive are likely to be tax-free and will not affect Social Security payments or Medicare benefits. For more information on reverse mortgages, you can call the Housing Counseling Clearinghouse at 1-800-569-4287 to obtain contact information for an HUD-approved housing counseling agency and a list of FHA-approved lenders in your area. AARP also offers information about reverse mortgages you may find useful, including alternatives to a reverse mortgage. The National Reverse Mortgage Lenders Association (NRMLA) is another great Web site to visit for more information.

The Veteran’s Aid and Attendance Benefit is available to help Veterans and their surviving spouses pay for home care and other care services. The assistance is a benefit paid in addition to monthly pension to those who require the regular attendance of another person to assist in bathing, dressing, meal preparation, medication monitoring or other various activities of daily living. This benefit is available to individuals who reside in assisted living communities, personal care homes, skilled nursing facilities and those receiving personal in-home care.

Gene Lennon
Director, Senior New Ways Board of Directors

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February 2011

Multigenerational Households: A Rising Trend in Caregiving

Multigenerational households, those that consist of at least three generations living together, are greatly increasing in numbers in the US. Many adult children are choosing to move their elderly parents and loved ones into their homes for several reasons, including aging, health problems and economic considerations.

Multigenerational households were once a common occurrence in the U.S. In the late 1800’s, almost 70 percent of elderly widows lived with an adult child, according to the U.S. Census Bureau. By 1990, that number drastically decreased to 20 percent but the trend has reversed again. U.S. statistics show the number of parents who have moved in with their adult children increased 67 percent to 3.6 million people between 2000 and 2007.

It is important for caregivers in multigenerational households to be aware of the stress that may arise from this type of living arrangement. For those with children still at home, caring for their older relatives under the same roof can increase the stresses of caring for the rest of the family. In addition, caregivers may worry about their own health or have their own financial issues. It is also important to consider potential needs such as home modifications, the division of chores and outside assistance.

Whether the creation of a multigenerational household is permanent or temporary, sandwich generation family caregivers should keep the following tips in mind to help all family members peacefully adjust to their new living arrangement:

- Discuss the circumstances: Discuss the circumstances upfront with the entire family so that everyone understands why the arrangement is in place. Every living arrangement has its benefits and drawbacks, and in order for it to work, the benefits must be recognized and outweigh the drawbacks. In the future, remembering why one has chosen to live in a multigenerational household will help family members cope with any conflicts that may arise.

- Share responsibility: Caregiving is a family responsibility and it lessens the weight for all involved if everyone works as a team. Devise a system to help out with household chores; each person should be responsible for something that helps the whole household.

- Prepare the home: Several physical modifications may be necessary to ensure the home is safe and convenient for seniors. Make sure there is proper lighting throughout the house and no loose carpeting, cords or other hazards to help avoid falls. It also may be necessary to modify the bathroom by adding non-slip surfaces in the tub or shower and grab-bars near the tub, shower and toilet.

- Consider hiring a part-time caregiver: Help is available for those caring for their elderly parents or relatives in their homes. Hiring a trained caregiver from an in-home care agency can provide much-needed respite for family caregivers. They offer individualized services ranging from companionship, meal preparation and housekeeping to personal hygiene, bathing, medication reminders and more.

- Be flexible: This new living arrangement will take adjustment time. What works at the beginning will most likely change within the first few months and even more so in the next few years. Use a trial and error approach to refine boundaries and guidelines to keep peace in the household.

With family members living longer, many people are faced with the prospect of becoming a family caregiver for a significant number of years. It is important for the family to recognize that they will not be able to tend to all the needs of their loved ones alone and that occasionally they will need to rely on others for support. Communication is the key to making a multigenerational household a beneficial experience for all.

Gene Lennon
Director, Senior New Ways Board of Directors

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January 2011

Recognizing Signs Your Aging Loved One Needs Assistance

What to do When Holiday Visits Expose New Needs


For those who live far from their parents, the holidays are often a happy time of family reunions and catching up. But as loved ones age, this can also be a time of unpleasant surprises for those who discover that their aging loved one is showing signs of decline.

Aging adults that are facing new limitations often try to avoid drawing attention to themselves. It’s not uncommon for an out-of-town relative to be unaware of the changes their loved ones are facing. Holiday family gatherings can be a good time to assess how your loved one is doing.

But even if a loved one is experiencing new changes or challenges with age, are these changes serious? There are some key signs to look for that a loved one may benefit from in-home assistance.

First, make sure that your loved one is continuing to look after his personal appearance and hygiene as well as he used to. Warning signs could include wearing the same clothes over and over or neglecting to brush his teeth. If he is taking medications, watch to make sure he remembers when to take them, and that he knows what each is for. If he is not eating properly, he may be losing weight.

Senior New Ways senior photo

If visiting with your loved one at his home, you should also look for signs of neglect in the house. If the home looks that it is not getting its usual care, it could be that regular, simple maintenance chores such as dusting are not being performed. Keep an eye out for piles of unpaid—or even unopened—bills. Avoiding tasks such as this could be a sign that once manageable tasks have become overwhelming for your loved one. Keep a lookout for burned pots and pans, as well as food that is past its expiration date or molding.

Additional signs of a problem may be that your loved one is not taking proper care of a pet, is avoiding steps or having difficulty with them or has limited his contact with the outside world. If you see these signs in your loved one, it is time to speak up. You may not want to breach the subject during the holidays, but don’t wait too long.

Planning for a loved one’s future needs as they age can be difficult and emotional for everyone involved. But it’s an important conversation to have to ensure those you care about get the help and care they need in the way they want it. The earlier you start the conversation, the easier transitions will be when they’re needed.

Prepare what you want to say to your loved one beforehand, and focus on “I” statements that express your concern to help him maintain the life he desires as he ages. Bring other family members into the discussion during the early stages so everyone is on the same page. This can spare you and your loved ones much discord later. If you expect it to be a difficult conversation, some experts recommend introducing the topic briefly and then agreeing on a later time to discuss in more detail after everyone has had time to reflect. Another option to consider is bringing in a mediator or geriatric consultant to weigh in and keep the conversation peaceful.

There are many options available for seniors in need of assistance. Sometimes, the assistance of a family or friend caregiver is enough. Other times this is not practical, particularly if family members live too far away or are already overcommitted. Other single-service care options can help to supplement or address a specific need, such as a meal delivery service or an adult daycare. Your local social services office may offer some of these services; contact them to find out. If more comprehensive care is needed, there are assisted living facilities and nursing homes—or, if your loved one wishes to stay at home, you will want to consider an in-home care service such as Right at Home.

Ultimately, no single isolated sign necessarily means your loved one is in trouble. After spending time with your loved one, take a gut check. Sometimes you can feel a change in a person even if you can’t articulate it. Trust yourself. And in the meantime, enjoy your time together and celebrate.

Gene Lennon
Director, Senior New Ways Board of Directors

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