You can depend on Tracfone to stay connected with your grandkids and other family members, thanks to Unbeatable Nationwide Coverage on America’s largest and most dependable networks.
Tips for staying connected to the grandkids Embrace the emoji and acronyms Today’s young adults do everything on their smartphones and the savvy grandparent stays connected by communicating with them on their level. If your grandchild sends you a text acronym that you don’t understand, simply Google it and embrace emojis. They are how many of your grands are accustomed to communicating, so don’t be upset if your long-winded text garners a thumbs up or heart response. Instead, opt to have fun with emojis yourself.
Strike a pose Encourage your children to share each and every moment they capture of your grands with a quick picture or video text. Let them know that too many pictures of your new grandbaby are never enough. You can easily create your own printable photos, or even photo albums, using a variety of services that flawlessly transfer
digital memories to print.
Social media can be a lifesaver To maximize your ability to stay connected with your grands, you have to make the extra effort and master the types of communication that your children are most comfortable with. They likely include Facebook, Instagram, Twitter and even Snapchat. Just use your smartphone to stay connected to your kiddos’ favorite social media networks wherever you go. You can keep on adventuring while also adoring the newest addition to your family. SEE GRANDKIDS ON PAGE 4
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B
eing a grandparent is a joyful experience, but one of the hurdles can be staying connected with family, especially as a first-time grandparent. With an affordable smartphone and reliable wireless network, grandparents can easily capture and share the special moments that matter, no matter the distance. Lifestyle blogger and grandmother to 25, Honey Good shares her tips for “Rookie Grandparents” to easily stay connected with their family during this new and exciting chapter.
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GRANDKIDS
Stay connected and capture the moments that matter Whether you’re across town or across the country from your grands, it is essential to find a reliable way to capture and share the moments that matter. With Tracfone, “Rookie Grandparents” can stay connected with grands and other family members, no matter the distance. And yes, it’s more than affordable – with the 30-day smartphone plan including talk, text and data for just $15, you can easily capture and share your favorite moments without breaking the bank. Even better, you can enjoy Unbeatable Nationwide Coverage on America’s largest and most dependable networks to ensure you’re fully connected this Grandparents Day and beyond. With no activation or cancellation fees and Unlimited Carryover to keep any unused minutes, text and data, you can change your no-contract plan as often as your needs change, without penalties. For more information on affordable, nocontract plans, visit www.Tracfone.com. Prices do not include fees or taxes. Airtime Service Plan required for activation. A month equals 30 days. Smartphone plans do not triple. *Service must be active and in use within any six-month period. (BPT)
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GrandPad offered by Consumer Cellular, a provider with a long history of serving the senior market offers a touchscreenbased tablet with simplified apps that let older users operate it with ease. STOCK PHOTO Living Senior
New technology promotes healthy aging in place
Digital solutions for staying in touch It’s easy nowadays to take using smartphones or other digital technology for granted. But for many seniors, it has never been an integral part of their lives, meaning they can be left out of the family communications loop. Filling that gap are products like GrandPad, powered by Consumer Cellular. It’s a touchscreen-based tablet with simplified apps that let older users easily make voice or video calls, send and receive email, share photos, stream music and enjoy other recreational activities such as digital games.
GrandPad also offers comprehensive security, operating on a closed private network to guard against online scams, and can be managed by a designated family administrator for added personalization and protection.
Fall alerts can be lifesavers Wearable devices that monitor and track health are becoming more popular among all ages. However, for seniors, especially those without a caretaker in the home, they can be lifesaving. With just the press of a button, help can be summoned for a wide range of emergency situations. The most valuable types of these personal emergency response devices include accurate fall detection; falls are a leading cause of death for adult’s age 65 and older. Devices can automatically alert 911 or a close family member the moment a fall has been detected. This is especially valuable for aging-in-place situations where stairs are present.
Smarter access to healthcare and medications
As their mobility declines, it may become more difficult for seniors to make it to the doctor’s office. In response, many providers now offer video consultation for those who
cannot come in for an appointment. This technology is ideal for those suffering from minor ailments that do not necessarily require an in-person visit. In addition, for many seniors, medication regimens can become difficult to follow, and the misuse of prescribed medications can lead to negative health consequences. One technology on the rise, especially for those without assistance in the home, is the automated pill counter designed to alert and properly dispense all medications.
In-home tracking for safety Placing activity sensors throughout the house is becoming a more and more popular way to monitor loved ones who are living unassisted. Sensors can be placed in multiple discreet locations, like doors, cabinets, windows or beds to track movement around the house and report back to a caretaker or family member. If the sensors haven’t tracked movement in an expected amount of time, alerts can be set up to ensure a designated family member, caretaker or friend is notified to check in on the senior. Tracking and monitoring systems run the gamut from units that are integrated with a full in-home security system, to simple free-standing versions that are less costly and more mobile, but may also be less sensitive. (BPT)
LIVING SENIOR • FALL/WINTER 2018
As millions of baby boomers reach their golden years, they’re changing the world yet again, this time by driving a booming market in senior-friendly aging-in-place technologies. From simple wearable devices to high-tech monitoring systems, the list of gadgets designed to help aging boomers stay independent is extensive and growing. Home-based technology tools are a great way to deliver peace of mind to caregivers and family members who want to help an aging parent or grandparent stay safe in their home, and to combat the debilitating isolation that often accompanies growing older. Here’s a look at a few of the innovative technologies that are revolutionizing aging and the benefits they provide.
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Thrivent Financial was named one of the “World’s Most Ethical Companies” by Ethisphere Institute 2012–2017. Thrivent was named one of the “World’s Most Ethical Companies” by Ethisphere Institute for our leadership in promoting ethical business standards and introducing innovative ideas to benefit the public. “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC. For details, visit Ethisphere.com. Thrivent Financial representatives are licensed insurance agents/producers of Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. They are also registered representatives of Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415. For additional important information, visit Thrivent.com/disclosures. Appleton, Wisconsin • Minneapolis, Minnesota • Thrivent.com • 800-847-4836
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STOCK PHOTO Living Senior
How seniors can safely
Many seniors can still safely operate motor vehicles, and those who do can take steps to ensure they’re as safe as possible behind the wheel.
stay behind the wheel
Avoid driving on days when aches and pains are strong Aches and pains are common side effects of aging, and seniors know that some days are better than others. Seniors’ ability to control their vehicles may be compromised on days when stiffness, aches or pains seem particularly strong, so it’s best to avoid driving during these times. Fatigue may set in on days when aches and pains require extra effort to perform relatively simple tasks, and drivers of all ages should avoid driving while tired.
Don’t skip medical checkups
Few seniors may look forward to their medical checkups, but visits to the doctor can reveal issues that can help seniors be safer on the road. Schedule routine vision exams so eyeglass prescriptions are always up-to-date. In addition, seniors should discuss hearing screenings with their physicians so they can ensure they can always hear sirens and other motorists while on the road. Great strides have been made in regard to helping people with fading hearing hear better, and seniors would be wise to take advantage of such advancements, which include hearing aids that can be connected to smartphones.
Familiarize yourself with medication side effects Whether they do so temporarily or permanently, many seniors take medications, and every medication comes with side effects. When filling a new prescription, carefully read the dosage and description label to ensure that it’s safe to drive while taking the medicine.
Make note of how you feel when taking a new prescription, avoiding driving if the medication makes you feel fatigued or drowsy or affects your motor functions. If the side effects of a new prescription are making it difficult to safely operate a vehicle, discuss potential alternatives with your physician.
Avoid driving in certain conditions Driving in inclement weather, during rush hour and at night makes many drivers uncomfortable, regardless of their age. But such conditions can be especially dangerous for aging drivers whose vision and reaction times might be fading. Seniors who avoid driving in harsh conditions and heavy traffic may be more comfortable behind the wheel, thereby reducing their risk of accident or injury. Seniors need not give up their drivers’ licenses at the first signs of aging. But adjusting certain behaviors and exercising extra caution can help these men and women stay safe behind the wheel. (METRO CREATIVE)
LIVING SENIOR • FALL/WINTER 2018
A greater sense of independence is often cited as the reason so many young people anxiously await the day they earn their drivers’ licenses. But the connection between driving and independence is not lost on seniors, either. Aging can take its toll on drivers, prompting such drivers’ families to feel as if their loved ones’ ability to safely operate motor vehicles has been compromised. However, many seniors can still safely operate motor vehicles, and those who do can take steps to ensure they’re as safe as possible behind the wheel.
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Tips to maintain good health throughout your
Get an annual exam Annual visits are critical for identifying potential health issues early, as well as maintaining a relationship with your primary care physician. During this visit, your doctor can establish a plan based on your age, gender and health status for the vaccinations and health screenings you need, such as mammograms, cholesterol screenings and colorectal cancer screenings. Medicare and Medicare Advantage cover
certain types of annual exams at no extra cost. Check with your plan for details.
Get some exercise
Take medications as prescribed
Regular exercise can help older adults stay independent and prevent many health problems that come with age. Many Your drugs were prescribed for a Medicare Advantage plans offer exercise reason. It is important to adhere to your medication regime and take medications as programs designed specifically for older prescribed. Some drugs can cause harmful adults at no extra cost. If your plan has a program like this, make sure to take interactions, so make sure your doctor advantage of it. knows everything you take, including over-the-counter drugs.
If you smoke, stop
Have some fun
“We are constantly inspired by stories of older adults reinventing themselves later Smoking is the leading cause of in life in meaningful ways, from running preventable disease and death in the U.S. It’s never too late to quit, and the benefits of marathons to mentoring young people to painting for the very first time,” said Brian doing so are almost immediate, according Evanko, president of Cigna-HealthSpring. to the American Cancer Society. Keep in mind that parts of Medicare cover smoking “The key that unlocks all of this is maintaining your physical and emotional cessation counseling and prescription health and well-being through the years.” medications.
(STATEPOINT)
Be sure to make time for activities you enjoy and seek out others who also enjoy them. The social interaction is good for you.
STOCK PHOTO Living Senior
LIVING SENIOR • FALL/WINTER 2018
You are never too old to enrich your physical and emotional well being and staying active and engaged in life can help you maintain wellness over time. To encourage happy, healthy and productive golden years when older adults are able to pursue their hobbies and passions, consider these tips from CignaHealthSpring, one of the nation’s largest providers of Medicare plans.
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How empty nesters can transform their homes After bringing home a bubbly baby boy or girl, it can be hard for parents to imagine that a day will come when their kids are off to college and then onto their own apartment or house. After spending decades nurturing and caring for children, parents are then left with a suddenly quiet house and probably much more time to spare. If saying goodbye to the kids also means extra house, there’s the option to downsize or make that extra space more useful. Homeowners who choose to stay put can renovate vacant rooms into spaces that meet their newfound needs.
Hobby haven
If you’ve always meant to set up a crafting room, home-brewing station or an artist’s studio now is an ideal time to do just that. Figure out which supplies you will need and begin reworking that former bedroom into a new sanctuary for leisure interests.
Guest suite
If you’ve never had a spare bedroom to SEE EMPTY NESTERS ON PAGE 12
STOCK PHOTO Living Senior
When all the kids have moved out, turning a spare bedroom into a hobby room is something many empty nesters enjoy.
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NATIONAL MEDICARE EDUCATION WEEK:
STOCK PHOTO Living Senior
Get ready for Medicare Annual Enrollment with these online resources Medicare’s Annual Enrollment Period is almost here – the time (Oct. 15 to Dec. 7) when people can make changes to their Medicare coverage for the year ahead. Thankfully, there are tools and resources to help you navigate the process and select a plan to meet your needs. National Medicare Education Week was Sept. 15 to 21 with one goal: to help empower people to make informed choices about their Medicare coverage.
Local education events are planned across the country and online to help you prepare for the fall Annual Enrollment Period. You can check out a list of events in your area at www.nmew.com. Here’s a roundup of frequently asked questions about Medicare you might expect to hear at a National Medicare Education Week event and online resources that can help you get started in your own decisionmaking process. 1. How do I know which Medicare coverage is right for me? Each person needs to make coverage decisions based on his or her health care needs and budget. To do that, you need to understand your options. Original Medicare (Parts A and B) is provided by the federal government and includes hospital and medical coverage. But it doesn’t cover everything. You may have out-of-pocket costs like deductibles, copays and coinsurance. Coinsurance for most Part B services, for example, is 20 percent of the cost. In addition, Original Medicare does not cover prescription drugs.
If you want additional coverage, there are two ways to get it. • Add Medicare supplement insurance and/or a standalone Medicare prescription drug plan (Part D) to Original Medicare. • Choose a Medicare Advantage plan (Part C), which combines Part A (hospital insurance) and Part B (medical insurance) in one plan. Most plans include prescription drug coverage (Part D), and many offer coverage for things like routine dental and eye care. Medicare Advantage plans also put a cap on your out-of-pocket costs for the year. There’s no cap with Original Medicare. 2. Does Original Medicare cover dental, vision and hearing care? Original Medicare (Parts A and B) does not cover routine dental, vision or hearing care. Some costs may be covered if you have an eye injury or a certain medical condition, such as diabetes or cataracts. Some Medicare Advantage plans cover dental and vision care, including routine eye exams, eyeglasses or contacts. SEE MEDICARE EDUCATION WEEK ON PAGE 12
LIVING SENIOR • FALL/WINTER 2018
You have choices to make when it comes to Medicare. But you’re not alone. There are many tools and online resources to help you navigate the process and select a plan to fit your needs.
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MEDICARE EDUCATION WEEK Medicare Part B covers diagnostic hearing and balance exams if your doctor thinks you may need medical treatment, but neither Part B nor Part A covers routine hearing tests or hearing aids. Some Medicare Advantage plans offer this coverage. 3. How can I get coverage for my medications, since Original Medicare doesn’t provide it? You have two options for prescription drug coverage: You can add a standalone Part D plan to Original Medicare, or you can join a Medicare Advantage plan that
includes drug coverage. Look for plans that cover the drugs you take. Each plan has a formulary that lists which drugs are covered and what the cost is. Most formularies are tiered, dividing drugs into levels of cost. Typically, low-tier drugs will cost less than high-tier drugs. 4. Why are the costs for my prescription drugs going up? Can I switch plans? Part D prescription drug plans may change copays, premiums, deductibles and other costs from year to year. They may also add or delete specific drugs from
their formularies. If your drug costs are going up, you are free to shop for a different plan during Medicare Annual Enrollment Period. You can look for plans using the Plan Finder at Medicare.gov. For more information on any of the questions above, explore MedicareMadeClear.com or contact the Medicare helpline 24 hours a day, seven days a week at 1-800-MEDICARE (1-800633-4227), TTY 1-877-486-2048.
At-home gym
amenities, such as a warming lamp or even a small sauna.
(BPT)
EMPTY NESTERS entertain guests, a child’s former bedroom can fit the bill. Be sure there is at least a queen-sized bed and a dresser or chest of drawers to stash belongings. Select paint colors and linens in neutral tones so the room will be inviting to guests.
Living room redo
When there’s an entire soccer team coming over to hang out, that large sectional sofa or modular seating may be ideal. Now that the kids are out of the house and their friends are no longer coming over for movie night, living rooms can be made more intimate with smallscale seating.
Save on gym membership fees by building a mini studio right at home. Choose one of the larger bedrooms and then fill it with some fitness equipment, such as an elliptical trainer, a bench press bench and some free weights. Store rolledup mats in the closet for yoga or Pilates.
Expanded bathroom
If space has always been at a premium in the bathroom, borrow area from an empty bedroom and turn it into a spa. Install a soaking tub separate from the shower, and fill the room with other
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Working from home a few days a week may be more plausible when nearing retirement, as it will be a smoother transition from heading to the office each day to spending more time at home. Turn a bedroom or den into an office space with a new desk and bookshelves. An empty nest can be a bittersweet experience, but parents can make such situations work for them by transforming their homes to better reflect their current (METRO CREATIVE) needs.
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At a time when doctor’s visits seem more routine and formulaic than ever before, experts say that receiving individualized care is possible and it all starts with building strong relationships with your health care providers.
Have you ever wanted to ask your doctor a question but didn’t because you felt uncomfortable? Experts say that an impersonal relationship with your doctor could be preventing you from receiving the best care possible. “Your doctors should feel like valued members of your family – and you a part of theirs. That’s how I operate in my practice and what I aim to foster in my patients,” says Dr. Ken Redcross, who brings nearly 20 years of experience to his new book dealing with this subject, “Bond: The Four Cornerstones of a Lasting and Caring Relationship with Your Doctor.” Whether you have a new doctor or you’ve been at the same practice for years, your patient-doctor bond may be on faulty ground. But it doesn’t have to be, suggests Dr. Redcross. He believes that by establishing these four essential qualities in your patient-doctor relationships, you’ll pave the way to receiving better care:
Trust
Trust is essential in any relationship, including the one with your doctor. There
is no sharing without trust, and sharing is crucial when it comes to receiving the best possible care.
Communication
No relationship can be sustained without open and honest communication on both sides, but developing healthy communication habits takes practice, effort and willingness.
Respect
Respect is treating others with common courtesy, good social manners and appreciating each other’s humanity. This means respecting each other’s experience, knowledge and time.
Empathy
Empathy is the ability to sense another person’s emotions and to be able to place yourself in his or her shoes, which is a valuable quality in a doctor. However, many physicians strive for a state of “concerned detachment,” which is the opposite of empathy. At the same time, patients can be more empathic too; taking the time to
consider everything their doctors may be dealing with on the day of their visit. Building a great relationship with your doctor leads to practical benefits, says Dr. Redcross. In dealings with his own patients, he finds that great communication paves the way for better treatment. “Recently, a patient of mine was dealing with muscle pain and we had a long conversation about different options. Initially, I recommended that she take traditional pain reliever with naproxen sodium every morning. However, by talking through all the options and what best fit her situation including her overall medical history, preferences and more, we settled on using Arnica montana, a lower-risk plant-based pain reliever instead,” says Dr. Redcross. “Feeling comfortable enough with your doctor to challenge a suggestion and have a long and complete conversation is key. Unfortunately, such discussions between patients and doctors are rare.” To learn more about the book, as well as about building better relationships with your doctors, visit, BondByDrRedcross.com.
LIVING SENIOR • FALL/WINTER 2018
How to get better care from your doctor
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Selecting an assisted living facility is an important decision. At Waterford Senior Living, we strive to make it an easy choice for residents and their families.
Six simple tips to prevent a fall Overwhelmingly, people say that they want to stay independent and in their own home as they age. One way to ensure they can is to learn about fall risks and make changes to reduce their chances of falling. Because, while one in four older adults falls each year, there are ways to be prepared for the changes of aging in order to prevent falls. “The misconception is that falls are a normal part of aging, but this is untrue,” says Kathleen Cameron, senior director at the National Council on Aging’s Center for Healthy Aging. “Just because you’re getting older doesn’t mean you’ll inevitably fall at some point. There are proven ways to prevent falls, so older adults can live
FIND A GOOD BALANCE AND EXERCISE PROGRAM
Contact your local senior center or Area Agency on Aging for information on programs that can help you maintain balance, strength and flexibility. Review your options and find one that appeals to you. Better yet, join with a friend to make it more fun and keep each other accountable.
TALK TO YOUR HEALTH CARE PROVIDER
Have an open conversation with your health care provider about your fall concerns. Share your history of falls and ask for an assessment of your risk of falling again so you can come up with a plan proactively.
REVIEW MEDICATIONS WITH THE PHARMACIST
Some medications have side effects that can make it more likely for you to
fall. First, always take medications as prescribed. Second, make sure you know the risks and take precautions when necessary.
GET VISION AND HEARING CHECKED ANNUALLY
Your eyes and ears are key for keeping you safely on your feet. Getting your vision and hearing checked each year by a health care professional is important, so you can update vision prescriptions and take any necessary measures to correct hearing loss.
SECURE YOUR HOME
To keep your home safe you need to remove any tripping hazards like loose rugs or free cords. You should also increase lighting to improve visibility indoors and outdoors. Pay particular attention to stairs and consider installing grab bars or railings.
TALK WITH FAMILY MEMBERS
Falls affect all demographics and various ages. Talk with family members about your risks and concerns. Enlist their help as needed to secure your home and keep you safe. “A few simple steps can dramatically reduce your risk for falling no matter your age,” says Cameron. “By being proactive, you can live healthy and independently for longer.” (BPT)
As you age, it’s important to maintain balance, strength and flexibility.
STOCK PHOTO Living Senior
LIVING SENIOR • FALL/WINTER 2018
Stay on your feet
healthy, safely and independently.” Every 11 seconds an older adult is seen in an emergency room for a fall-related injury, reports the National Council on Aging. To prevent falls, follow these six simple steps. For additional advice about preventing falls, visit www.ncoa.org/ FallsTips.
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Seniors’ senses of smell and taste change with age Aging comes with several sensory changes, many of which people expect. Loss of hearing or diminishing vision is widely associated with aging. But one’s senses of smell and taste may diminish with aging as well. The senses of taste and smell work in concert. The sense of smell is vital to personal health, not only because inhaling pleasant aromas can provide comfort and stress relief through aromatherapy and help trigger important memories, but also because smell enables a person to detect the dangers of smoke, gas, spoiled food, and more. The National Institute on Aging says that, as a person gets older, his or her sense of smell may fade, and that will also affect taste. The Mayo Clinic says some loss of taste and smell is natural and can begin as early as age 60. Adults have about 9,000 taste buds sensing sweet, salty, sour, bitter, and umami flavors, or those corresponding to the flavor of glutamates. Many tastes are linked to odors that begin at the nerve endings in the lining of the nose. Medline says the number of taste SEE SMELL AND TASTE ON PAGE 18
STOCK PHOTO Living Senior
Loss of hearing or diminishing vision is widely associated with aging. But one’s senses of smell and taste may diminish with aging as well.
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Derrick Funeral Home and Cremation Services has been a family owned and operated business in the Lake Geneva area for over 100 years. Our staff will be more than honored to help you with everything from pre-planning to personalization of the service you choose. If you have any questions, please do not hesitate to call. 269598
GET STROKE SMART:
STOCK PHOTO Living Senior
Studies show that stroke risk factors can be cut in half through smart lifestyle choices such as eating healthy, exercising, controlling blood pressure and cholesterol and quitting smoking.
You could save a life and it could be your own
Myth: Strokes won’t happen to me Clot-related (ischemic) strokes are the most common type of stroke, accounting for 87 percent of all cases. They happen when a blockage interrupts the flow of blood to the brain. Every year, nearly 800,000 people in the U.S. have a stroke, which is actually the same as the annual number of heart attacks; that’s why managing your risks is so important.
Myth: Men and women have the same risks for stroke More women than men have some type of stroke each year. A stroke can happen to a woman at almost any age – even to women in their 20s. This year alone, more than 100,000 U.S. women younger than 65 will suffer some kind of stroke. Most women don’t realize that the medical regimen they receive for other conditions can increase the risk of stroke. SEE GET STROKE SMART ON PAGE 18
LIVING SENIOR • FALL/WINTER 2018
One in every four clot-related (ischemic) strokes happens after a prior stroke. Fortunately, up to 80 percent of recurrent clot-related (ischemic) strokes can be prevented with the right steps. “There are simple things you can do to help prevent another stroke such as managing blood pressure and cholesterol, stopping smoking, eating healthy, staying active, and a doctor-directed aspirin regimen,” said Dr. Mary Ann Bauman, M.D., a Seattle-based primary care internist, national board member for the American Heart Association and former Every 40 seconds, someone in the U.S. chair for the American Stroke Association has some type of stroke. Even though stroke Advisory Committee. “It is important is a leading cause of disability in America, to raise awareness so that everyone it is largely preventable and treatable. understands the facts around stroke.” Bayer Aspirin is a national sponsor So understand your risks and ask your of the American Stroke Association’s doctor about an aspirin regimen. Aspirin Together To End Stroke initiative, which is not appropriate for everyone, so be sure aims to educate and empower people to to talk to your doctor before you begin an make simple lifestyle changes to reduce aspirin regimen. the risk of another stroke. Arming people Here are some stroke myth-busters that with information about stroke is one step in could not only help save your life, but also achieving this goal. help save the life of someone you love.
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SMELL AND TASTE buds decreases as one ages, and that remaining taste buds may begin to shrink. Sensitivity to the five tastes also begins to decline. This can make it more difficult to distinguish between flavors. Similarly, especially after age 70, smell can diminish due to a loss of nerve endings and less mucus in the nose. With the combination of the reduction of these important sensory nerves in the nose and on the tongue, loss of smell and taste can greatly affect daily life. Changes in these senses can contribute to feelings of depression, diminish one’s enjoyment of food and cause harmful conditions, such as extreme weight loss from disinterest in food to problems associated with overusing salt or sugar. Although aging is often to blame, loss of smell and taste also may be tied to early symptoms of Parkinson’s disease or Alzheimer’s disease. Cancer treatments, medications,
lack of saliva, colds, flu, and other factors may contribute to sensory loss. Changing medications or treatments may help. It’s important to bring up diminished flavors or smells with a doctor to rule out something more serious and to determine what might help restore pleasure from smells and flavors. An otolaryngologist, or a doctor who specializes in diseases of the ears, nose and throat, may be able to help fix the problem, though some people may be referred to a neurologist or another specialist. Continuing to use one’s sense of smell and taste by cooking, gardening, trying new flavors, and experimenting with different aromas may help slow down the decline these senses. Although age-related loss of taste and smell cannot be reversed, some such cases may be treatable. (METRO CREATIVE)
GET STROKE SMART Many of those strokes can be avoided by simply being aware of the risks and talking with your doctor to make the appropriate changes. For example, birth control pills could double the stroke risk for women compared to women who don’t take birth control pills.
LIVING SENIOR • FALL /WINTER 2018
Myth: All races or ethnicities have the same risk factors
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Not all races and ethnicities have the same risk factors. The risk of stroke among AfricanAmerican men is actually twice as high as Caucasian men. According to the American Stroke Association, the prevalence of high blood pressure in African-Americans is the highest in the world. Not only is high blood pressure more severe in AfricanAmericans, but it also develops earlier in life. Getting your blood pressure checked regularly is one of the easiest things you can do to manage your risk of stroke.
Myth: I’m already taking prescription medications that should be enough 256277
Prescription medications for high blood pressure, high
cholesterol and diabetes may not be enough to reduce your risk of another clot-related (ischemic) stroke. These conditions raise the risk of stroke as well as heart attack. And while you may take prescription medications to manage these conditions, they may not be enough to protect your heart. Adding aspirin, which works differently, to your treatment plan may further help prevent another heart attack or ischemic stroke.
Myth: There’s nothing I can do to prevent a stroke Fifty percent of strokes can be controlled through lifestyle choices. Some tips on how include: • Get fit and stay active • Eat healthy • Control your cholesterol • Control your blood pressure • Quit smoking, and • Ask your doctor about an aspirin regimen* *Aspirin is not appropriate for everyone, so be sure to talk to your doctor before you begin an aspirin regimen. For more information and resources about preventing another stroke, visit bayeraspirin.com/stroke. (BPT)
STOCK PHOTO Living Senior
It’s not uncommon for caregivers of any age to feel stressed and burned out by the demands of caregiving.
Coping as a family caregiver • Having frequent headaches, bodily pain or other physical problems Some caregiver’s even resort to drugs and alcohol to self-medicate, which can lead to further issues. To avoid the potential pitfalls of caregiver stress, individuals should always put their needs first and find ways to alleviate the added stress of caring for a loved one. These suggestions are just a start.
DON’T STRIVE FOR PERFECTION It isn’t possible to maintain a patient attitude and get everything done perfectly each and every day. People are not perfect and mistakes will be made. Do not punish yourself if you lash out or simply need a break.
EAT HEALTHY
As anyone who has dealt with a hungry toddler can attest, failure to eat well and frequently can result in an emotional meltdown. Be sure to always make time for nutritious meals. This will help keep up energy stored and enable you to better cope
with caregiver stress.
PAY ATTENTION TO MOOD CHANGES
Anxiety or depression can sneak up on you when you least expect it. Ask for help if you feel your tasks are becoming too overwhelming. Seek the help of a doctor if changes in mood, sleeping patterns, appetite, and the like become noticeable.
TAKE FREQUENT BREAKS
Getting a break from caregiving and setting aside time for yourself can increase patience levels and the ability to bounce back from stress. Whenever possible, have a friend or another relative step in for you so you get a break. Explore resources available for professional aides to come and take some of the responsibilities off of your shoulders. Being a caregiver can be a rewarding, but challenging role to play. Caregivers should keep their health a priority. (METRO CREATIVE)
LIVING SENIOR • FALL/WINTER 2018
Individuals are born into the world requiring the care of their parents and other adult guardians to grow and thrive. These adult children, in turn, may end up providing care when their parents reach senior age or face an illness or disability. Becoming a family caregiver frequently is a tough choice to make. It requires patience and time, and can be emotionally and physically taxing. An estimated 43.5 million adults in the United States have provided unpaid care to an adult or a child in the prior 12 months, according to the National Alliance for Caregiving and AARP Public Policy Institute. The Mayo Clinic says people who experience caregiver stress can be vulnerable to changes in their own health. Some signs of caregiver stress include: • Feeling overwhelmed or constantly worried • Feeling tired most of the time • Gaining or losing a lot of weight • Becoming easily irritated or angry • Losing interest in activities you used to enjoy
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It pays to plan ahead when it comes to where you’ll spend your golden years.
Should you stay in your home or move during retirement?
Are you making accurate comparisons?
If you stay in your home, you may need to make improvements or renovations in the future to accommodate changing needs. If you move to a new home, you may
incur expenses associated with fix-up costs and moving expenses. Make sure you are considering total costs in either scenario.
Are you open to renting?
“It can be hard for retirees who have spent their lives building equity in their homes – and being taught about the virtues of homeownership – to become renters,” reported The Wall Street Journal. “But renting a home in a city before buying can give retirees a chance to really know if it’s the place they want to spend retirement.” Moreover, the cost of ownership in many locations actually exceeds the cost of renting, so it may be prudent to consider this option for both short- and long-term possibilities.
Where will you have access to important services? Every consumer looks into the quality of restaurants, supermarkets and other day-to-day retail offerings when scouting out a possible new residential location.
Seniors must be especially concerned about practical considerations such as the number of nearby physicians who accept Medicare, convenient transportation for those who are unable to drive, and community centers with special programs for seniors.
Would you prefer to age in place or have a change of scenery?
Many people dream about moving to some exotic location for their golden years, but the truth is that 85 percent of retirees stay in the area where they raised their families, according to Realtor.com. Think seriously about whether you’re willing to trade your current community for a new one, weighing the pros and cons of aging in place versus charting a new course. Whether you choose to stay in your home or move during retirement, it will be important to have ample cash on hand that can fund renovations of your existing SEE RETIREMENT ON PAGE 26
LIVING SENIOR • FALL/WINTER 2018
The choice about where to live in retirement is one of the most crucial decisions that a senior makes. It’s not just a major financial consideration it’s also a highly emotional issue as a retiree’s home is often the anchor to their golden years. “One needs to think about where to live, how long to stay there, and whether to move later in retirement,” writes Wade Pfau, Ph.D., professor of retirement income at The American College, and contributor to Forbes.com. “There are plenty of justifications for either staying put or moving early in retirement.” There are a few important questions that a senior should ask before deciding whether to stay in their home or to relocate during retirement:
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Don’t succumb to anxiety about your financial future. With the right knowledge, you can help ensure a comfortable retirement.
Nine questions to ask When it comes to retirement planning, anxiety comes with the territory. Will you be able to maintain your lifestyle in retirement? Will you have enough to cover your monthly bills without depleting your savings? Are you at risk of outliving your money? While such concerns are common among Americans approaching retirement, protecting part of the money that you’ve saved to ensure monthly income for life can make a difference in your confidence about the future, suggests a new study. A new survey by the Alliance for Lifetime Income looked at the emotional and physical well being of Generation X and baby boomer households and compared those with some form of protected lifetime income, such as an annuity and/or pension, to those that were unprotected and relying solely on savings and Social Security. Eighty-eight percent of protected households say they are confident that their retirement money will help them achieve
their lifestyle goals, while only sixty-three percent of unprotected households feel confident. “The American retirement discussion has traditionally focused on accumulating assets rather than how to turn some of those savings into a guaranteed monthly income that will last as long as you do,” says Colin Devine, educational advisor at the Alliance for Lifetime Income. “People don’t realize that Social Security is estimated to replace only about 40 percent of the average person’s income, which leaves millions of Americans vulnerable to outliving their hard-earned savings.” To get confident about your financial plan for retirement, Devine says that you should understand all your options for protecting a portion of your retirement income from the impact of market volatility and longer lifespans. The Alliance outlines nine key questions that you should ask your financial adviser to make sure that you’re on track to having the lifetime income you can count on for the retirement you want:
1. Why is protected monthly income in retirement important? 2. How much protected monthly income will I need in retirement? 3. What if my expected monthly income is less than what I need to last my lifetime? 4. What is an annuity? 5. Are there costs associated with guaranteed protected income? 6. What if I need access to my money in an annuity? 7. Can annuities help protect me from investment losses? 8. How do I know that my protected income is safe? 9. Are there other strategies for protected monthly income? “Discussing these topics with your financial adviser can help you become better informed about your income planning options, putting you one step closer to creating a financial plan that delivers what you need to live the life you want in retirement,” says Devine. For more information on how to create and protect your retirement income, visit www.RetireYourRisk.org. (STATEPOINT)
LIVING SENIOR • FALL/WINTER 2018
Is your retirement income protected?
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Don’t have time to walk and meditate? Try them together The mental and physical merits of walking are well established, from helping ward off depression to preventing heart disease. Meditation, likewise, can help reduce anxiety symptoms and improve sleep quality. Have you considered combining these seemingly very different activities? Walking meditation isn’t a stroll in the park or an hour in the lotus position, rather something in between. The goal is to be selffocused and mindful of your body in motion. To get started, consider these steps from UC Berkeley’s Greater Good Science Center: • Find a place that’s relatively free of distractions and where other people won’t make you self-conscious. Your path – whether it’s a hiking trail or a little-used hallway – doesn’t have to be long; the whole point is to go nowhere, slowly – and safely. • Relax your hands and arms, stand up straight and take a few deep breaths. Take 10 to 15 small, deliberate steps, counting them in your head. Be mindful of the way your feet feel as they rise and land on the ground, weight shifting from heel to toes. STOCK PHOTO Living Senior
SEE WALK AND MEDITATE ON PAGE 26
Walking meditation, which doesn’t take much of an investment in time or money, can be a good way to reap multiple benefits.
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Research has indicated fainting episodes may be linked to pulmonary embolisms. Because PE can be life threatening, people experiencing fainting or other symptoms are urged to speak with their doctors.
Fainting spells for elderly linked to blood clots Falls are one of the greatest risk factors for injury among the aging population. When falls are attributed to fainting spells, people may be very eager to get to the source of the fall. Doctors have found that blood clots may attribute to fainting in the elderly.
Information published in the journal Clinical Geriatric Medicine found that the elderly are at a higher risk of blood clots because of their reduced mobility. Blood clots may result in deep vein thrombosis, or DVT, and could lead to a pulmonary embolism if left untreated. DVT is a common problem involving the veins of the legs. Blood pooling in the legs may cause a blood clot to form in the deep veins of the lower leg, impairing blood flow back to the heart. A pulmonary embolism, or PE, occurs when a clot dislodges from the leg veins and travels through the bloodstream to reach the heart and lungs. According to the health site Aging Care, as many as one million Americans suffer from blood clots every year, often resulting in hospitalization. While swelling in the legs, cramping in the lower legs, skin color changes, and warmth of the skin where the clot is located can signal a problem, symptoms of a PE may vary greatly. Shortness of breath, chest pain, cough, and rapid or irregular heartbeat can all occur, according to the Mayo Clinic. Researchers are finding that, in some
cases, fainting episodes also may be indicative of a PE. Italian researchers revealed that, among 560 patients hospitalized for a first-time fainting spell, one in six had a PE. People who are experiencing fainting spells should be on the radar for other symptoms of PE, advises the American College of Chest Physicians. However, it’s important to note that fainting can be attributed to dehydration, a drop in blood pressure and heart-rhythm disturbances. Certain risk factors put people at a higher chance for DVT and PE. These include: • Prior surgery; • Certain cancers; • Cardiovascular disease; • Bed rest that causes blood to pool; • Sitting for long periods of time; • Smoking; and • Being overweight. Use of compression stockings to move blood more efficiently, physical activity, leg elevation, anticoagulants, and pneumatic compression can help prevent the formation of clots. (METRO CREATIVE)
LIVING SENIOR • FALL/WINTER 2018
SUBMITTED PHOTO Living Senior
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WALK AND MEDITATE • If your mind wanders, try to push out extraneous thoughts and focus on your breathing or the sights and sounds of your surroundings. • Pause for a breath, turn around and start again. Why meditate in the first place? Meditation may help cancer patients by relieving their stress and fatigue. It may reduce blood pressure and alleviate some symptoms of menopause and IBS. There is
also evidence that it improves the quality of life for female patients struggling with fibromyalgia by helping them deal with depression and conflict, according to the National Institutes of Health. Meditation can be good for people of all ages. A Journal of Alzheimer’s disease study found that meditation may help slow the cognitive decline that leads to Alzheimer’s and dementia. When college students added meditation to walking, they had lower levels
of anxiety than when they merely walked for exercise, according to a study in the American Journal of Health Promotion. As you take a moment to slow down and practice walking meditation, keep in mind that the results can also be slow. Studies have shown benefits after as little as 10 minutes per session, but most were based on practicing four to six days per week for several weeks. (BPT)
RETIREMENT home or the purchase of a new one. Many seniors are surprised to learn that one potential asset for generating immediate cash is a life insurance policy. A life insurance policy is considered your personal property and – as such – you have the right to sell that policy any time you like. When a consumer sells a policy in a “life settlement” transaction, the policy owner receives a cash payment and the purchaser of the policy assumes all future premium payments – then receives the death benefit upon the death of the insured. Candidates for life settlements are typically aged 70 years or older, with a life insurance policy that has a death benefit of at least $100,000. To learn more about life settlements, visit www. LISA.org or call the LISA office today at (888) 6723917. (NAPS)
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