Archive for the ‘senior issues’ Category

Beware of Medicare Advantage Plans for Late Seniors in Indiana

Sunday, January 23rd, 2011

Medicare Advantage plans seem attractive because of their low premiums but there are downfalls to them. Often Indiana seniors don’t realize they have then given up their traditional Medicare benefits. Most seniors over the age of 75 will at one time need to utilize their rehab benefit after a hospital stay. The majority of the Medicare Advantage plans have a limit of 15 days of coverage. If the senior is unable to go back home and be safe so soon they will have to pay privately at a rate of $185 per day.
Be sure to check your parents policy to make sure they didn’t give up their Medicare. You can usually tell based on the premium, less than $125 per month. If they have switched they still have time to get Medicare back. If you want to leave your Medicare Advantage (MA) Plan, you have until February 14, 2011 to drop your plan and switch to Original Medicare. If you do switch to Original Medicare and you had drug coverage through your Medicare Advantage plan, you have until February 14 to also join a Medicare Prescription Drug Plan.

The next Medicare open enrollment period when most people can make changes starts October 15, 2011. See “Understanding Medicare Enrollment Periods” for more details.

It is also important to know that Veteran seniors should never give up their Medicare B coverage. Just recently the VA had to cut coverage and many of these veterans had given up their Medicare coverage. They will now have to pay a penalty for every month they were eligible and didn’t have it.

Medicare and Long Term Care for Seniors

Wednesday, January 5th, 2011

Author:

Senior Advocates

Most people do not realize the need for Medicare until they actually need it. The realization comes to them when they find themselves ailing and unable to afford to pay doctor and consultation fees as well as treatment fees and prescriptions. Just because one has always had good health throughout their 20s and 30s, they shouldn\’t think that automatically their health will remain that way. Lifestyle changes across the world, even for seniors, have deteriorated. Senior health services are available for many, especially from the age of 40 onwards. One may think that the age of 40 is too young to start thinking of senior health, but indeed it is not. It is important to know that Medicare enrollment can also be made available for people with disabilities and even veterans. It is important though to ensure that the senior services which are being offered are of quality. This is the reason why at age 40 one should start looking out for the best senior health program that they can enroll into. Senior advocates of this age have the advantage of being able to take the time out to plan their future health well, while giving considerations such as senior housing options. One would not want to end up in a housing scheme that has any complaints of elder abuse, for example. This is one of the things that Medicare tries to ensure doesn\’t happen in any senior health services.

Senior care is very sensitive and getting the right people who know how to do their job is important to having a happy stay at senior care. There are numerous ways to find out about Medicare services and availability for seniors, and some of the resources are readily accessible online. The nature of services available is also growing with time, and some of these are not just Long Term Care Insurance, but also medical supplements which have prescription coverage. There are other options available that are for employer groups and retiree health groups. Most importantly is guidance on how one can protect one self from Insurance fraud, which is a growing concern in the industry. Arming yourself with the information on senior health care is the first step to securing a well prepared future, not just financially but also having that psychological peace of mind without worry. Medicare enrollment is always a beneficial tool to have for your future because senior care needs come rushing one by one. It starts off with one small thing which when improper care is given, results in causing something else. It\’s almost like a down hill slide from there. Waiting until one is 50 or 60 is a bad idea; this is because by that age, most insurers prefer not to put the risk in covering you. It is advisable that at 40 one should look for an insurer that can cover long term senior health needs. Senior health services when purchased under a good long term health care insurance policy become more affordable.

Article Source: http://www.articlesbase.com/alternative-medicine-articles/medicare-and-long-term-care-for-seniors-3756408.html

About the Author

Senior Health Services is the author of this article on Medicare Enrollment. Find more information about Senior Housing here.

How Veterans Can Earn an Additional $800,000 Before Retiring

Wednesday, January 5th, 2011

Author:

Kelli Smith

The U.S. Bureau of Labor Statistics\’ latest wage data survey shows that the median weekly salary for an average worker with a four year college degree is $1,145. The same survey shows that the median weekly salary for an average worker with a high school diploma and no college education is $621. That is a difference of $524 a week which over a 30 year career results in an additional $817,440 for the worker with a college degree.

The same survey found that from 1978 to 2006 the wages of an average worker with a high school diploma increased by an average of 2.5 percent per year after being adjusted for yearly inflation. Workers with a college degree had their yearly earnings increase by 5.2 percent over the same period after being adjusted for inflation. This survey, and just about any other that you review, proves that a college degree is a very worthwhile investment of time and money.

Only 30 Percent of Recent Veterans Use their GI Bill
The U.S. Military and the Federal Government reward those who serve their Country, and one of the ways they do it is by providing military educational benefits for active duty military personnel, veterans, and their families. The largest benefit is known as the GI Bill. You have earned these benefits, yet the Department of Veterans Affairs (VA) has found that over recent years only about 30 percent of eligible veterans have used their GI Bill benefits to attend college, and an even smaller percentage have used those benefits to earn a degree.

Today\’s job market is tough, and all indications are that it will remain tough for awhile. Having a college degree can give you an advantage, and as a veteran there is no excuse not to earn one; there are programs in place to assist you financially, and many colleges offer online classes to make it easier for those with a busy schedule.

Learn How to Use Your GI Bill to Earn a College Degree
Understanding the GI Bill and what benefits you are eligible for can be difficult. The three variations that are used most often now are:

• Veterans Educational Assistance Program (VEAP)
• Montgomery GI Bill (MGIB)
• Post 9/11 GI Bill

If your active duty service occurred during the last 20 years, but prior to 9/11/2001 then the MGIB is the Bill which will provide your benefits. Veterans who had over 90 days of active duty after 9/11/2001 may be eligible for the Post 9/11 GI Bill. Veterans who are eligible for the MGIB may receive up to $49,248 in educational assistance through the VA, and in some cases even more. This maximum benefit amount is adjusted each year for inflation. Veterans eligible for the Post 9/11 GI Bill may receive substantially more than the MGIB provides depending on their circumstances.

You Earned Your GI Bill Benefits, Use Them
The GI Bill was put in place to reward you for your hard work, service, and sacrifice. Don\’t be one of the 70 percent who never use their benefits, if you don\’t understand what benefits you are eligible for, contact someone who can help you out. College and university financial aid offices usually will have someone who understands GI Bill benefits, and there are VA offices throughout the country that can assist you in reaching your education goals.

All of the GI Bill programs have a time period after separation during which the benefits must be used or they are lost. Take action now to take advantage of these great programs to boost your earning potential.

Article Source: http://www.articlesbase.com/education-articles/how-veterans-can-earn-an-additional-800000-before-retiring-3747951.html

About the Author

Kelli Smith writes about colleges and universities, community colleges, online schools, and career development. She is the senior editor at www.CollegesandUniversities.org.

Senior Safety – Top 4 Fall Prevention Tools For Seniors

Monday, May 31st, 2010

Fall prevention is one of the biggest senior safety concerns for the elderly, especially those that live alone. Slip and fall accidents are one of the leading causes for seniors having to go to the hospital. But there are a number of helpful living aides that will help prevent these accidents. Here are the top 5 senior safety fall prevention tools for the elderly.

Number one on the list for senior safety and fall prevention is a recliner lift chair. Lounging in a recliner can be very comfortable for seniors. But these big chairs are typically very difficult to get out of and even sit down into. If the senior has a lift recliner that can be very helpful and help ensure their safety.

A lift recliner has the ability to raise and tilt to a position where the senior can get in and out of the chair in a standing position. These chairs are electronically operated by a simple hand control. They come in different versions all with different degrees of recline.

Another helpful tool for seniors that will help prevent slip and fall accidents is a walker with wheels. This is also called a rollator.

As a person ages it is a cane that is the first tool to be used for stability when walking. Then as mobility and balance decline further there is a need for a walker. The traditional walker can be a little challenging to use as it must be lifted slightly with each step. A rollator has wheels. Some versions have wheels on all four legs, others have wheels on just one set of the legs.

Some versions of this helpful tool also have hand brakes for added safety. Many also come with a seat so if the user gets tired they can easily sit down for a quick rest.

A stair chair or stair lift can also be a very helpful item that will aid a senior with mobility challenges. Stairs can be especially difficult for an elderly person to manage and that can be a very dangerous place for a fall to occur. A stair lift is built like a chair and it is attached to a rail and transports the senior, in a sitting position, up and down the stairs.

The stair lift is easy to use and can be operated with a simple rocker switch on most versions. For added safety many also come with a seat belt so the user doesn’t have to worry about falling out of the chair.

Many slip and fall accidents occur in the bathroom and that can be a very hazardous place for the elderly. Most everyone knows that there should be railings put in place in showers baths and around toilet areas. But another important tool for seniors in this area of the home is a bath lift.

If the senior has trouble raising and lowering themselves into a bath that is exactly what a bath lift will do for them. Most bath lifts are plastic, though some are inflatable. They are powered by rechargeable battery systems and they are safe to use around the water.

These are all senior safety tools that can be a big help for seniors and keep them falling. If you would like to learn more about the very popular lift recliners you can go here to: Electric Lift Chair. Also, here is where you can go for a great selection in the very popular Recliner Lift Chairs.

Article Source: http://EzineArticles.com/?expert=Mark_S_Myers

Discover How Brain Fitness Exercizes Work

Monday, April 5th, 2010

By: Michael Logan

It turns out that brain fitness exercises work in at least three ways, depending on the kind of exercise we are doing, a thinking exercise or a physical exercise, or a computerized training.

Exercize could mean running or lifting weights or practicing one of the new brain exercise programs or monitoring and changing cognitions, which is what Dr. Judith Beck has shown to be effective in her diet solution plan.

The physical exercise of running or lifting weights encourages neurogenesis, or the growth of new brain cells.

The cognitive behavioral exerises that Dr. Beck used have been shown to reduce activation in the fear center of the brain, called the amydala.

Her work was done using fMRI or functional magetic resonance imaging to observe differing levels of activation in folks suffering from a spider phobia.

The activation in the amygdala after a regimen of Cognitive Behavioral Therapy or CBT was much reduced.

In other words, folks did not experience as intense a fear response to spiders as they had prior to the CBT training

The computerized brain fitness programs have been shown, depending on which research you are looking at,to improve memory and processing speed in Senior Citizens (IMPACT study) and IQ in folks using a different program.

Another program has been endorsed by educators, and another adopted by a major university basketball team, with their team in the NCAA final four last year.

The work of Buschkall and Jaegge using the dual n back task has indicated that IQ can be improved, and that there may be no upper limit to what can be done in that regard. More training increases your scores.

Of course, high IQ does not translate into fame and fortune, or even successful relationships. Just a cautionary note for the needy.

Physical exercise has an excellent positive impact on the brain.

Since the brain is the organ which needs the most food and blood, any exercise which increases blood flow will have a positive impact on the brain.

Recently I read that exercise is the best antidote that exists to the issue of insulin resistance, a precursor of diabetes.

That is just one of a plethora of benefits that lifting weights or running or walking will have on your brain.

Just to remind everyone that the current recommendations state that you either engage in: a) 30 minutes/day of moderate intensity 5 or more days of the week; or b) 30 minutes per day of high intensity interval training for at least three days of the week.

A general guideling that people can adhere to is that moderate exercise can get you breathing heavy enough that you can still talk but not sing. High intensity would make a conversation a little difficult.

I have been trying out some HIIT workouts at home, using home made tools, except for an exercise ball, and they do make you breathless, but are not complicated. If you can walk up and down stairs, do push-ups, and or crunches, or walk in your neighborhood, you will be able to take advantage of the benefits of physical exercise, including increased neurogenesis, or the growth of new brain cells.

Hopefully you are encouraged to work at whatever level you are comfortable with in order to benefit your brain with physical exercise or cognitive exercise or computerized brain fitness exercises.

About the Author

Michael S. Logan is a brain fitness expert, a counselor, a student of Chi Gong, and licensed one on one HeartMath provider. I enjoy the spiritual, the mythological, and psychological, and I am a late life father to Shane, 10, and Hannah Marie, 4, whose brains are so amazing. http://www.askmikethecounselor2.com

(ArticlesBase SC #833750)

Article Source: http://www.articlesbase.com/Discover How Brain Fitness Exercizes Work

Types of AMD

Monday, April 5th, 2010

By: Dan Brown

The two important types of age related macular degeneration are wet AMD and dry AMD. The forms can attack any one or both of the eyes. A patient diagnosed for dry AMD can later develop wet AMD.

Wet AMD: This type of age-related macular degeneration is caused by the abnormal growth of blood vessels behind the retina. This happens when the membrane underlying the retina breaks and disrupts the oxygen supply to the macula. The new blood vessels, which are very delicate, grow under the macula and often rupture easily leaking fluids and blood. This leaking alters the position of macula and causes scarring. Wet AMD occurs suddenly resulting in the loss of central vision.

Distorted vision and straight line appearing wavy are the initial symptoms of wet AMD. This is the most severe form of AMD and immediate professional advice should be taken.

Of all age-related macular degeneration cases, only 10% is due to wet AMD but it causes the maximum damage and can lead to blindness. If detected early, laser treatment can be effective in stopping the leak of the blood vessels causing wet AMD.

Dry AMD: Macula is made of light-sensitive cells and the breaking down of these cells leads to dry AMD. This type of age-related macular degeneration appears slowly and leads to the blurring of central vision. Of the two types, dry AMD occurs most commonly and is also known as atrophic AMD as it is caused by the death of the cells in macula.

Symptoms include slightly blurred vision, unable to recognize faces, unable to do simple tasks such as reading in normal light and require more light. An early sign of dry AMD is the yellow deposits, known as drusen, under the retina which can only be recognized by an ophthalmologist during an eye exam. Increase in size and number of drusen worsens dry AMD. Thinning of the macula is another symptom.

In the initial stages, dry AMD will go unrecognized as it can only be found by a detailed examination. Most people realize dry AMD during a later stage, when they need more light to do simple day-to-day activities like reading. A blurred spot in the center of vision is also seen by some people. It is wise to take professional advice during this stage.

In the advanced stage their will be a total breakup in vision with only peripheral vision seen clearly. This is mainly due to the increase in the size and number of drusen. Patients also lose color perception and recognizing faces becomes difficult in this stage. One of the major problems with dry AMD is that it impairs a single eye and since the other eye functions smoothly the problem goes unnoticed. Most people recognize the problem only when both of the eyes are affected.

Taking an active role in eye protection is very much necessary. While having an appointment with an ophthalmologist, clear all your doubts. The amount of literature available on eye diseases is huge and most of them can be downloaded from the Internet. Talk to your friends and relatives about your condition, they might offer helpful tips.

About the Author

Dan recommends visiting an easy to use search directory for Contact Lenses. Free expert vision information and advice is available.

(ArticlesBase SC #32955)

Article Source: http://www.articlesbase.com/Types of AMD

Estate Planning Basics and the Law

Monday, April 5th, 2010

By: Eric Gehler

Estate Planning Basics And The Law

Having a plan that determines how your assets are used during your life and after your death is a critical process that requires expert legal advice. Estate planning can help you decide how your assets are distributed. You may need to set aside resources for your long-term care. Plus, you might need to appoint someone to manage your estate in the event that you lose your own ability to do so. You may decide that a portion of your estate should be given to certain charitable organizations. Each of these circumstances can be included in an estate plan with the help of a lawyer.

Benefits Of Planning Your Estate

Without an estate plan, your assets can be distributed in a way that’s contrary to your wishes. When you die, a number of important legal issues regarding your assets emerge. The manner in which your estate is divided amongst your heirs, how taxes are handled, donations to charities and transfers of property are only a few of the many concerns an estate plan can address.

With the help of an experienced estate planning lawyer, you can ensure that your assets will be used according to your wishes. Your plan can distribute assets from your estate to your beneficiaries quickly and seamlessly. Your lawyer can help you determine an executor of your estate in the event of your death. An estate plan can minimize the taxes owed by your estate by giving the allowable maximum to various beneficiaries. If you’re a business owner, you can make sure your business operates uninterrupted by detailing plans of succession and distribution of income.

Potential Pitfalls Of Poor Planning

Millions of people fail to plan how their assets are divided when they die. As a result, their estate often ends up in probate. This is a process that’s best avoided whenever possible. In probate, a court examines a will (if one exists) and divides a person’s assets accordingly. When a will doesn’t exist, the court decides how best to allocate the assets from an estate. The entire process is time-intensive and expensive. You can avoid having your assets end up in probate by hiring an estate planning lawyer to set up trusts and other arrangements.

Using The Law To Protect Your Assets

The law stipulates how your assets can be divided after you die. With the help of an experienced attorney, you can leverage the law to protect your assets. A lawyer can help you ensure your estate isn’t vulnerable to a long and costly probate process. He can help you minimize the tax liability your estate will suffer upon your death. The sale and distribution of tangible assets can be detailed according to your preferences. By planning your estate with the advice of a qualified attorney, you can be confident that your affairs will be in order when you die. Not planning your estate well in advance can lead to an excessive and time costing adventure for your loved ones.

About the Author

Seeking Legal Advice in Virginia, consult with the Virginia Lawyers at http://www.carlsoncollier.com

(ArticlesBase SC #459110)

Article Source: http://www.articlesbase.com/Estate Planning Basics and the Law

Indianapolis, Indiana Activities for Seniors

Saturday, September 26th, 2009

Feeling Sporty?

When Should Indianapolis, Indiana Seniors Stop Driving?

Friday, September 4th, 2009

Here is a great article for anyone who is facing that very difficult conversation with an aging loved one, that it may be time to stop driving.

Stress and the Elderly of Indianapolis, Indiana

Saturday, August 29th, 2009

Stress and the Elderly

Contrary to what we’ve been led to believe, senior living isn’t always the way it’s portrayed in glossy sales brochures and magazine advertisements. Rather than being a carefree period of life spent on the golf course and traveling around the world, for many of today’s seniors those “golden years” are incredibly stressful times.

What causes seniors so much stress? Change is a huge trigger for stress and seniors definitely experience plenty of change. It can be in the form of declining health, death of friends and loved ones, moving, a bad financial investment, and the list goes on. Here are some other reasons why senior living is stressful.

Continue reading HERE.