Archive for the 'Articles' Category
March 11th, 2010 -- Posted in Articles |
If you’re a senior, new homes in a dedicated retirement community can be very appealing. There’s a focus on active adult living, your lawn maintenance is taken care of, the community is committed to seniors and you get to live independently while enjoying the comfort of on-site health care amenities.
Retirement communities and age-restricted resort communities are one of the fastest growing sections of the residential building country. These mega-communities are targeted toward seniors and filled with state-of-the-art recreation centers, on-site social coordinators, gyms, golf courses and even community centers. If you’re thinking about moving to an age-restricted or retirement community, read on to find out what you should look for in a prospective new home.
Closeness to Your Family
If you’re close with your children and grandchildren, you may want to restrict your search to new retirement communities in the nearby area. Also, when planning on many visits from young grandchildren, you may need to opt for a larger home with more than one or two bedrooms.
Recreational Facilities
If you love to swim, search for a retirement community with an on-site swimming pool. If you are into to golf, find one with a gold course. And if you get a kick out of making pottery, look for one with a potter’s studio. Fitness buffs should make sure there’s an on-site gym.
The idea is to find a retirement home that fits your personal needs as a senior. New homes can be beautiful and architecturally perfect, but if the community facilities aren’t there, then it won’t be right for you and could actually turn into a frustrating experience.
On-Site Amenities
If you’re concerned about your future health needs, go after a senior’s community that offers an in-community walk-in clinic or, at a minimum, pharmacy. Health-focused amenities such as an on-call nurse or close proximity to a nearby medical center can be crucial for many aging adults.
Can You Easily Get Around?
Not only is walking a great way to stay in shape and keep your muscles moving, it’s often easier than driving – and for some seniors, it’s their only mode of transportation. Before you buy in a senior’s community, ask yourself if you could walk to the nearest grocery store or pharmacy. If not, is there at least accessible transit nearby?
Your New Neighbors
Moving into a new community concerns a lot more than simply appreciating the house and the amenities – you also need to like your neighbors. Before you buy into a new senior’s development, try to get out to a new owners’ meeting. Look around the room and ask yourself if you could spend your retirement with them? Introduce yourself to people and get a feel for the community before you commit to a purchase.
If you’re a senior, new homes in an age-restricted community are a great way to combine independent living with a neighborhood that’s focused on the needs of seniors. But, before you buy, remember to evaluate the community itself, how close it is to nearby amenities and your family, and whether the facilities match up with your own needs.
March 10th, 2010 -- Posted in Articles |
As a senior citizen, you may find yourself in a health insurance crisis – no longer covered by an employer’s health insurance policy but needing health insurance more than you ever did before. Of course, Medicare covers some of your medical expenses, but how can you get the best rate on health insurance to cover the gaps Medicare leaves?What Medicare Covers
Once you are 65 years old, you’re eligible to enroll in Medicare. Medicare can include several programs:
* Medicare Part A, which helps cover inpatient hospital care, nursing home care, hospice care, and some home health care. Most people pay for this coverage through taxes, so they do not pay a deductible or monthly premium.
* Medicare Part B, which helps cover doctors’ services, outpatient hospital care, medical equipment, physical and occupational therapy and some home health care. Most people pay an annual deductible and a monthly premium for this health plan.
* Medicare Part C, Medicare Advantage Plan, which offers you more choices among health plans and extends your benefits.
* Medicare Part D, prescription drug coverage.
In addition, you may need MediGap coverage, which is health insurance that covers what Medicare does not.Affordable Health Insurance for Senior Citizens
As you can see, health insurance for senior citizens can be confusing. Fortunately, insurance comparison websites can help you gain a clear picture of what health insurance you need, as well as help you find that insurance at a reasonable rate.
All you need to do is go to an insurance comparison website and complete a simple form with information about yourself and your insurance needs. Once you submit the form, you will soon receive quotes for affordable health insurance from multiple A-rated insurance companies. And at the best insurance comparison websites, insurance professionals are standing by to talk with you and answer any health insurance questions you have. (See link below.)
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get health insurance quotes for senior citizens from top-rated companies and see how much you can save. You can also get more insurance tips there.
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March 8th, 2010 -- Posted in Articles |
The fact that many seniors are not ready for or properly funded their retirement futures does not come as surprise. In fact most seniors surveyed over the years have admitted that fact. Between the ages of 36 and 65, about 75% do have some kind of retirement plans at their place of employment but still only about 21% feel they will be able to retire comfortably.Now you would think that knowing all this that we would prepare better as we approach retirement to improve our situation. But, the truth is that most will change nothing and continue to do as always. Most will keep their retirement contributions at the same rate as always. Only 18% will increase their contributions while another 19% actually decrease their contributions.On top of all this, most seniors actually have no idea how much their retirement will really cost to retire in comfort. I can understand that with medical coats alone going up 4 times the rate of inflation, how can they. Even the seniors who feel they can expect to retire in comfort have no idea how much it will actually cost them. There is an old saying that goes something like “how can you get to where you want to go if you don’t know where your going.One of the biggest problems seniors face hasen’t even been mentioned. The cost of health care related issues. Most already know that medicare will not cover all health related issues. Many seniors feel they will need to work till they drop and feel they can rely on employer funded health plans well into their retirement years. The economic situation we find ourselves in today requires we do more for ourselves. A local company just announced they are going to cut back 7800 jobs. Who do you think they will look at first? Think maybe the 50+ will be the first to go?Now I am sure that many will be able to continue to work well into their retirement years But many will be faced with the least desirable option they have. That is the need to depend on friends and family and perhaps charity in their retirement years.Now I don’t think that much of what I’ve been writing about comes as any surprise to most of you but sometimes reading about what you already know makes you think about it more seriously. Doing nothing about this situation is not an option you want to make. Bankrupycy in the ranks of the senior citizen generation is at an all time high with no end in site. Bankruptcy in the over 75 age group is up over 400% in recent years. So with seniors living longer today than ever before, whatever your situation is now will only get worse if you do nothing.So, what to do? More and more seniors are turning to the computer and the internet. It’s been said that seniors rule on the internet. With 20 million plus wired seniors . They surf longer and study the sites they explore in more depth than their counter parts. Plus they are doing more than keeping in touch with friends and family. In fact it’s been said that seniors rule the internet.Since many of you are already using the computer/internet for whatever reason, Why not start a small home based business with internet marketing. The internet is an endless source of information and, I am sure you can find something of interest you could market. There are tons of affiliate programs out there that would no require a ton of money to get started nor any investment in inventory or anything else usually associated with starting a small business. The only thing you will need to learn is Marketing. Some affiliate programs tell you they will do it all for you or give you a ton of tools to help you to promote. But folks, they can’t do it all for you and the only thing the tools will help you do is spend a fortune of time and money trying to use them. Marketing is the life blood of any business, online or offline. There is no way around it if you want to be successful.Fortunately, we now have a new process to turn to and learn and the learning curve is a short one because you don’t need to know it all to start. I certainly didn’t and still don’t, but I started and thats all you need to do. Attraction Marketing is the only process we need to know to market sucessfully. What this process will teach you is how to use those tools we talked about. You will learn how create a web of content that will spread through out the internet with fingers all pointing back at you and your product whatever that may be. Within a short period of time you will have people coming to you wanting to join you, already knowing what it is you have to offer. You are now the hunted and not the hunter.The best part is that what you learn and start to apply it, you will see that much will be at no cast or very low cost to accomplish. Also the time it will take to reach your goals will be only a matter of months and not the years it would take to accomplish your goals doing it any other way. Since many of us are or will soon will be, on a fixed income, anything that will save us time and money is a good thing. If your are considering marketing on the internet, or have been doing it for a time with little results, this is the best process of marketing there is and as far as I am concerned, the only way to market. It is for me.Thank YouGerald Lewis
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March 6th, 2010 -- Posted in Articles |
Seniors life insurance is presently a changing market. Some top life insurance companies are doing their best to incorporate new medical and health knowledge into their underwriting practices so that they can get better premiums on seniors life insurance for senior citizens. There are some things that are now being taken more lightly about senior citizens’ health status for those who are at least 65 or 70 years old, such as height and weight, cholesterol levels, blood pressure, and family medical history. While these things still matter, some argue that they cannot be as important for seniors as they are for younger people–because the seniors have lived this long already, so for them in particular those things must not be as much of a potential risk factor as they are for the average person. Also, some health professionals point at that some of these things get “worse” naturally with age just due to the aging process–such as cholesterol levels–so they should not be considered as seriously as age itself.
Smoking and chronic medical conditions are still taken as seriously as ever, however. And, the biggest factor of all in life insurance underwriting is still age–and that cannot be avoided by senior citizens!
Also, while premiums are sometimes being lowered by some companies with respect to the factors mentioned above, if you have waited until you are over 60 or 65 to get life insurance, you still won’t find it cheap, and there will be restrictions placed upon how much death benefit you can buy and how long you can buy a policy for. You will also find it very difficult to find a cash-building life insurance policy at a senior citizen age; you will probably need to take a term policy–but that’s okay, because at that age you shouldn’t be buying any “permanent” life insurance anyway.
Sometimes, there will also be an unavoidable delay in actual coverage, even though you must start paying the high premiums right away. This is to protect the insurance company against “adverse selection”. This delay in coverage clause acts in a similar way to the “suicide clause” of younger peoples’ life insurance. Typically this clause states that if the insured senior dies within 24 or 36 months of the policy going into force, their beneficiaries receive no death benefit–only a return of the premiums paid and perhaps some interest on them.
So, you have to know what to expect, and be read to pay high premiums for a limited amount of death benefit. Due to this fact, it’s important to ask yourself if you really need life insurance at this point in your life if you are a senior citizen. If you’ve gotten by without it this far, then hopefully you did the rest of your financial planning right and have a nice retirement nest egg full of money. If that’s the case, you should only take seniors life insurance if you have none at all and have a special need for it, such as if you’re a key man in a business partnership or don’t want to burden your children/grandchildren with having to take care of your final expenses including paying off any debts you owe. Life insurance is normally for the younger people, so seniors life insurance may not be in your best interests.
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March 5th, 2010 -- Posted in Articles |
Term life insurance policies are very popular these days, and of course, they can provide very valuable protection at a low cost for many people. However, the problem with term life insurance is that it expires just when the covered person would find it harder to find protection, after ten or twenty or thirty years, the term life insurance expires. The theory behind term life insurance is that by that time the insured person will have less obligations, and they will have enough money saved to self insure.
However, we find many senior citizens and retired people who have not had the good fortune to be free of obligations, and with sufficient savings to cover their debts, final expenses, and other obligations. Also, by the time we reach maturity, we may also have developed more health problems. As if an advanced age were not enough, health problems may make us very tough or expensive to insure at all!
However some life insurance companies have developed senior life, guaranteed life insurance, or final expense life insurance programs to meet these needs. These are, basically whole life insurance policies. This means that the policy will stay in force as long as the policy is kept in force. A policy is usually kept in force by paying premiums, or by having the policy “paid up”. Yes, many whole life policies can be paid up over a period of years, usually ten to twenty years. In this case, an insured person can relax, knowing they will have life insurance for their whole lives, and not just for a period of years.
These type of senior life insurance or final expense policies come in two types that do not require a medical exam. For a face value that usually ranges from $2,500 to $25,000, many senior life insurance companies will offer simple issue and guaranteed issue life insurance policies. Because the face value is lower, and so the risk to insurance companies is lower, you can find some more relaxed requirements to gain affordable coverage for life insurance. Seniors can leave this money to a beneficiary, usually their spouse or children, to cover burial expenses, settle final debts, and leave some money as an estate.
Simple issue life insurance policies provide immediate death benefits. They do as health questions on the applications, but the great majority of seniors can qualify. They usually only declined applicants who have a terminal disease, or are in a nursing home. So smaller health issues will not prevent an applicant from obtaining coverage. Since the coverage is immediate, as soon as the insured person is notified that their policy has been issued, they will be covered.
Guaranteed issue life insurance policies do not ask any health questions at all! Instead they underwrite by delaying full coverage for a period of months, from 24 to 36, or 2 to 3 years. If the insured person passes away during this qualification period, they will refund all premiums with a specified interest rate. For an older individual with serious health issues, this is still a no-lose deal.
If you are an older person, or if you are concerned about paying final expenses for your parents, consider a senior life insurance policy. It will be much easier to pay an affordable monthly premiums than to come up with several thousand dollars for a burial and other expenses after the person dies.
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March 3rd, 2010 -- Posted in Articles |
To determine whether a senior is socially isolated or enjoys an active social life, we must first see where the senior resides, the organizations the senior belongs to and the activities she participates in.
Retirement Communities – Seniors residing in retirement communities can participate in a wide range of community organized activities that can help minimize isolation.
Apartments with gyms – Seniors living in apartments with gyms can exercise regularly and get to know the neighbors while doing so.
Golf or Tennis Clubs – Some golf clubs and tennis clubs provide these elder people with a social network as well as the opportunity to exercise.
Groups based on common interests – Some seniors enjoy meeting with others who share common interests such as gardening, knitting, sewing, discussing foreign policy, writing etc.
Are you a socially isolated senior citizen? Want social connections but don\’t know where to start? Here are some suggestions:
· One can visit to the local senior center, where they offer lectures, classes and meals.
· The local library is a wonderful meeting point for the seniors. The local library can provide book discussion groups as well as lectures and concerts.
· Some local colleges and universities have special classes, concerts or other social activities for seniors. If seniors attend such classes, their minds will be occupied and they will not feel any sort of isolation from the society.
· The local YMCA has movement classes for seniors.
· One of the safest places where a senior member can engage himself are the health clubs. These health clubs have exercise and yoga classes for seniors.
· Many civic, medical, educational and arts organizations look for volunteers. Senior members can act as volunteers to these organizations where they can meet a lot of like-minded people.
· Affinity groups such as organizations or clubs for guitar players, singers, environmentalists, theatre actors can help the senior members to increase their social interactions.
· The senior members can act as volunteers for churches, mosques, synagogues or any other religious organizations that offer adult education.
· Widowed or divorced seniors who want companionship could consider online dating, which has connected more than one happy older couple. But don\’t always believe what you read in a profile. And it is helpful to follow your instincts — if something about the person doesn\’t feel right, don\’t pursue it.
It\’s never too late to get socially connected. Social interactions help with physical health as well. People with social connections tend to stay healthier. In home companion care is another great option for senior care, but both the persons are confided in a home, which prevents from any social interactions.
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March 1st, 2010 -- Posted in Articles |
In the past it might have been expected for seniors to have some dental problems, but today, older individuals can retain healthy, full smiles their entire life as long as proper dental care is performed.
Many seniors believe that once they reach a certain age, brushing and flossing aren’t as important as they used to be. This couldn’t be further from the truth. As the body ages, it’s easier for the teeth to develop cavities lower down on the tooth, toward the root, and cavities may be able to form around older restorations.
If this is the case, seniors may need to have new, white fillings, porcelain crowns, or dental implants placed in order to keep their smile looking as good as possible. The two best things seniors can do to maintain their oral health is to brush and floss twice a day and visit a qualified dentist regularly.
Some of the most common oral health problems elderly dental patients face today include:
If you’re a senior and you’ve noticed any sort of sores, bleeding, bumps, pains, loose or sensitive teeth, or any other changes in your mouth, it’s important to contact a dentist as soon as possible. In addition to the serious dental problems listed above, oral cancer can develop at any time, and an experienced dentist can help identify any cancerous developments.
To make sure your teeth are as healthy as possible, schedule an initial consultation with a dentist in your area. During your initial consultation, your dentist will examine the health of your mouth and teeth and listen to any problems you may have been having recently.
If you are in need of any dental work, your dentist will help you schedule another appointment so that you can regain your oral health as soon as you want to. Highly trained cosmetic and general dentists can provide seniors with many different cosmetic dentistry options, such as:
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February 28th, 2010 -- Posted in Articles |
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February 26th, 2010 -- Posted in Articles |
Alzheimer’s disease spares no one, even the best and brightest and affects both men and women in their 60s. Without Alzheimer’s help, life would be intolerable for the family with a loved one afflicted with the disease. Fortunately, senior home health care providers have trained caregivers who can manage the care needed by the afflicted to make life easier for family members by providing a support system.
What Is Alzheimer’s Disease?
Alzheimer’s Disease is a form of dementia that is incurable. It is estimated that 26.6 million people worldwide have this degenerative disease. It progresses to the point that the sufferers forget their names and past, including the people who love them.
If they are living on their own, they can have accidents, miss their medication, and even wander off somewhere. Alzheimer’s help for seniors with this disease can lessen the family’s worries about their loved one. The help they get includes initiating mind games like chess, exercise and dancing, and the preparation of balanced meals.
Where Can One Get Alzheimer’s Help?
Agencies providing senior home health care services have trained caregivers to provide the assistance needed by the families. Because the care giving is done by shifts, it does not take a toll on the health of the care providers, but it does affect the physical and emotional health of a family member who cares for the patient all the time.
There are various reputable agencies online, which you can check out. They must be fully licensed to operate, must be bonded, and have reliable staff. If you need Alzheimer’s help, you have to inform the agency ahead of time or give them 24 hours notice. They have to match the health caregiver with the needs of the client or the family members.
Cost of Home Care
If the health insurance covers it, get a long-term care but if this is not feasible, you will have shell out $19 an hour for a home health aide. For four hours, that will add up to $76 a day and $2,280 per month, or $27,350 a year.
If the patient has Medicare and health insurance, these will help lower expenses. Check out the agency’s policy on payments and if this is Medicare certified. If home care is your doctor’s orders, Medicare will pay part of the cost for home care. Contact your local government health agency about health benefits for the aged.
Going to a Senior Home
Alzheimer’s patients placed in nursing homes pay more for the service because the bill includes the use of the facilities and lodging and expert nursing care. If you are placing your parents in a senior home, check out the following:
· Location – Is it far from the noise of traffic and is it accessible?
· Facilities – Are the facilities geared for the use of the elderly?
· Staff – Is there a doctor on call 24/7?
· Privacy – Do patients have privacy during treatment and care? Do workers knock on doors before entering patients’ rooms?
· Atmosphere – Do the patients look happy?
· Food – Does it look appetizing?
If you do not feel comfortable about the looks of the senior home, get Alzheimer’s help and still provide the best service for your loved ones. You can always check on them and have time for them everyday when you come home from work.
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February 25th, 2010 -- Posted in Articles |
As we all age and approach our retirements most of us look to change our living arrangements to reflect our senior status and our changing suite of needs and requirements. Once we stop working we start to look at how we intend to spend our retirement, particularly what activities and hobbies we intend to pursue. We also consider our living arrangements and often take the opportunity to downsize our suburban homes and relocate to more appropriate accommodation, whist still maintaining our independence.
There are literally tens of thousands of independent senior housing projects that we can move to, each offering the senior citizens alternative living arrangements, either as couples or as individuals. These facilities have been specifically designed with the resident’s needs in mind and often provide a range of services, including health and related support services.
Many of the independent senior housing facilities are designed to allow the residents to maintain their individualistic lifestyles whilst at the same time providing a level of security that they may not otherwise be able to enjoy in a typical home. These housing communities draw their residents based on the type of services offered, thus allowing the occupants the option of choosing whether or not he or she wants to participate in the services or programs offered by the facility.
Typically these housing communities revolve around specific activities or services such as swimming pools, gymnasiums or maybe bike and walking paths. Additionally they make offer facilities such as day spas, chapels, beauty salons, retail shops as well as libraries. There are many that incorporate a central dining room which allow residents the opportunity to have prepared meals as well as providing interaction with fellow lodgers. A number of housing communities offer in-house health services, or they may be affiliated with a health care provider that visits the site to provide assistance and related services such as counseling or physiotherapy to those residents in need.
Whilst it is typical that the residents purchase their own housing within the complex there are some facilities that offer long term rental plans. Along with the purchase of the housing there are regular monthly payments required to contribute towards the services offered by the facility as well as for the upkeep and maintenance of common property and facilities such as gardens and swimming pools. Often, if the resident requires daily health care or home assistance such as housework, meal preparation, personal care, shopping or transportation then these services are provided on a user pays basis.
The most positive aspect of an independent senior housing facility is that it provides senior citizens the opportunity to live independently and not have to rely on others for their welfare until it is actually required. As a senior citizen, the selection of the type of community housing that you want will ultimately depends on the lifestyle you intend to lead, together with the range of services you require in order to live comfortably as well as maintaining your health. Additionally, your financial situation has a large influence as to the affordability of which senior housing projects you are able to move to.
If you are approaching retirement age and feel that this style of living arrangement is what you are looking for then it is in your best interest to start researching the independent senior housing communities that are located near to you. Visit the facilities and ask them to provide full details of the costs involved so that you can determine which are best suited to your needs for now and in the future, as you age and require additional assistance from a health and ongoing care perspective.
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