Category Archives: Guest Blogs

Long-Term Care Insurance Facts Few People Know

Chances are you are as tired reading the same old articles about long term care insurance as I am writing them.  So, I have decided to reveal some little-known facts about long term care insurance planning that I have discovered over the past 20 years.  Hope you find them new, refreshing and of value.

What They Never Tell Single Women
Women know they generally outlive men and as a result are far more likely to need long-term care. And, indeed each year women receive two thirds of all LTC insurance claim benefits paid by insurers.

But, here’s the fact rarely shared with women who are single, or as I prefer to call it, living alone: a single woman pays the same for long term care insurance as a single man.

Here’s a way of explaining the importance of this fact.  If we were talking about car insurance, it would be equivalent to someone with four accidents and a DUI paying the same as the driver who only takes the car out on Sunday.   For single women, the unisex pricing for long term care insurance makes this one of the few real planning bargains for women.

Why You Need To Start Planning Before Turning 65
There is no perfect age to start looking into long-term care insurance.   But there’s a really good reason to start the process prior to age 65.

Every year, millions of Americans celebrate their 65th birthday.  And, what’s the best present they get?  Medicare qualification.  That’s important because for the year (or so) leading up to that important milestone, these adults put off non-emergency doctor visits knowing they can wait until after getting that magic card.

But, long-term care insurance is only issued to those who can “medically qualify”.   The diagnosis and prescription written by your doctor could make you ineligible for insurance coverage, no matter how much you’d be willing to pay.  So, apply before the end of your 64th year, earlier if you can.

This Is Nursing Home Avoidance Insurance
The first long term care insurance policies were issued in the 1980s and originally all they paid for was skilled nursing home care.  And it really is unfortunate that for so many years insurance companies have effectively associated this product with nursing home costs and nursing home stays.

Because the truth of the matter is that a primary benefit of long-term care insurance is that it pays for care at home or in an assisted living community.  I refer to it as nursing home avoidance protection because having the available funds to remain in your own home is a primary reason people buy this protection.
And, just half (49%) of newly opened long term care insurance claims beginning in 2010 were for home care.  A fourth (24%) were for assisted living and 27 percent were for skilled nursing home care.

Why Pay Double For The Same Benefit
I’m not as cute as Flo the television spokeswoman for Progressive insurance.  But just as the pricing for car insurance varies from one insurer to another, so too does the pricing for long-term care insurance.

Every year the American Association for Long-Term Care Insurance compares prices from leading insurers for virtually identical coverage.  According to our 2011 study, a couple age 55 could pay as little as $2,085 or as much as $3,970 annually for the same coverage.  That’s almost double.  The average cost was $2,350 for coverage worth $338,000 immediately and as much as $821,500 at age 85.

The difference is due to different actuarial assumptions and available discounts as well as different profit targets.  But because once you buy long term care insurance, it almost never pays to switch companies and start over at your new attained age, this is one time when it really does pay to shop around and make sure the insurance professional you work with has done some comparing for you.

About the Author

Jesse Slome is executive director of the American Association for Long-Term Care Insurance. Click here to read two online guides with tips for reducing long term care insurance costs. No sign-in information is required.  For more long term care insurance information visit the Association’s website.


The Walk to End Alzheimer’s

Every year the Alzheimer’s Association draws national attention to its cause to end Alzheimer’s disease with the national Walk to End Alzheimer’s fundraiser. And Homewatch CareGivers is there every step of the way with a team of people to participate.

Carla Tressell, a software administrator who works at Homewatch International in Denver, did her third walk this year. Ms. Tressel’s own mother is afflicted with Alzheimer’s disease so it is a very personal and moving experience for her to be part of the walk.

“It was a beautiful sunny day,” she said of the Saturday in September when the walk was held in Denver’s City Park. “We were each given a pinwheel flower, with the different colors representing our relationship to Alzheimer’s disease—if we are caring for someone with Alzheimer’s disease, if we had lost someone to Alzheimer’s disease, and so on.”

Ms. Tressel said it was a special moment when an estimated 6,000 people simultaneously raised the purple, orange, blue and yellow pinwheel flowers. “As we were beginning the walk, the flower expressed how each were affected by Alzheimer’s,” she said. “Then when we all held up our flowers it was a beautiful garden of everybody supporting the fight against the disease.”

Despite dealing with her mother’s diagnosis of the disease (“She kept repeating the same phrases over and over again,” she said of her family’s realization of Alzheimer’s disease.), Ms. Tressel found the 3.1-mile walk to be a happy experience.

“I felt that the mood was really upbeat,” she said. “There were a lot of people who care who came out to show their support. Even if there is no cure, hopefully future generations will be able to detect it earlier and slow down the progression of the disease.”

Ms. Tressel has since put her pinwheel flower in her garden as a reminder of that walk. “I remember the purpose of it,” she said. “It makes me think of Alzheimer’s even more each time I see it.”

National Alzheimer’s Awareness Month is just around the corner in November. The purpose of a month devoted to this disease, which is sixth leading cause of death in the nation, is to raise awareness and funding for research.

The Alzheimer’s Foundation of America has created a National Memory Screening Day during November to coincide with National Alzheimer’s Awareness Month. “On one day we collaborate with hundreds of sites across the country to create one concentrated day with extreme focus on raising awareness of memory problems,” said Carol Steinberg, executive vice president of the Alzheimer’s Foundation of America. “We have expanded it because of increased demand.”

Homewatch CareGivers participates in National Memory Screening Day and offers the free, non-invasive tests at various locations.

“The tests are for people who have a family history of Alzheimer’s disease,” Ms. Steinberg said. “They are modeled after diabetes or blood pressure screenings. Most of our audience is older adults, but unfortunately there are people in their 30s and 40s who can develop Alzheimer’s disease.”

Memory screenings and fundraising walks are just a couple examples of the many resources available to people whose lives are affected by Alzheimer’s disease.

The Alzheimer’s Association website provides everything from personal stories to the latest research news on the disease.

Home Safety Made Easy: DIY Tips for the Family Caregiver

Providing a safe home for your aging loved one can be overwhelming and time consuming.  However creating a safe environment doesn’t have to be so challenging.  With a small investment of time and dollars a safe home can be achieved by following these do-it-yourself tips!

Top DIY Tips For Home Safety: All Rooms

  1. Keep emergency numbers (911, doctor, relatives, neighbors) in large print near each phone.
  2. Arrange furniture to create unobstructed pathways and strategically place heavy, sturdy furniture pieces for resting and support.
  3. Try to create bright, uniform lighting by adding lights to dark areas and  changing light bulbs to a higher wattage (without exceeding manufacturer’s  maximum).
  4. Ensure ample reading and task lights in the bedroom, kitchen and living room;  consider under-counter lights and natural spectrum desktop or floor lamps.
  5. Remove personal items, decorations and any clutter on floors, tables and  counters.
  6. Clean out and reorganize contents of closets, cabinets, shelves and pantries for easy access of the most frequently used items.
  7. Remove throw rugs, but if you can’t part with them, secure with double-sided  tape, tacks or a non-skid mat.
  8. Remove or rearrange electrical cords and extension cords that interfere with  pathways.
  9. Make sure electrical outlets are not overloaded with plugs; consider switching  to a surge protector.
  10. Make sure smoke/carbon monoxide detectors have new batteries, are in  working order and are placed near bedroom, kitchen and utility area where your boiler, furnace, hot water heater and washer/dryer may be located.
  11. Keep a working fire extinguisher in the home that is easily accessible, preferably near the kitchen, and know how to operate it.

Top DIY Tips For Home Safety: Kitchen

  1. Move frequently used small appliances to the counter or waist-height cupboard and near an outlet.
  2. Consider upgrading to small appliances with an automatic shut-off feature such as a coffee maker, electric kettle, toaster oven and iron.
  3. Reduce the risk of fire around the stove top area by relocating potentially flammable fabrics such as curtains, aprons and dish towels; and refrain from wearing clothing with billowy or wide sleeves when cooking on the stove.
  4. Reduce the risk of burns by placing a heat-resistant surface near the stove, oven and microwave for placing hot pans and dishes; keep potholders and mitts handy.
  5. If you must use a step stool, make sure your foot stool has a support handle and never use a chair in place of a step stool.

Top DIY Tips For Home Safety: Living Room

  1. Make sure curtains and shades are easy to operate; and consider adding sheers to reduce glare.
  2. Upgrade to a lighted, big-button universal remote control to easily operate the television and entertainment system.
  3. Make sure your favorite chair or sofa is easy to sit down in and get up from, and has sturdy arms for support; otherwise consider a lift chair or seat assist device.

Top DIY Tips For Home Safety: Bedroom

  1. Use a sturdy nightstand with ample surface for a lamp, phone, glasses and water; use a drawer to store a flashlight and extra batteries.
  2. Use nightlights with sensors that illuminate your path from your bed to the bathroom and to the hallway.
  3. Have a sturdy chair with arms in your dressing area for support and comfort while putting on shoes, socks, pants, jewelry, etc.
  4. Ensure your bed is high enough to get in and out of easily; consider adding sturdy wooden risers and remove casters.
  5. If possible, consider relocating your bedroom to the first floor of your home.

Top DIY Tips For Home Safety: Bathroom

  1. Install non-slip strips or a suction-cup mat on the floor inside the shower and tub.
  2. Place a non-slip, absorbent floor mat outside the shower and tub to soak up excess water and dry the bottom of your feet.
  3. Consider using DIY suction cup grab bars with green-light safety indicator, a tub rail and bath transfer bench or bath lift inside the tub.
  4. Install an elevated toilet seat with support arms to help with sitting and standing.
  5. Make sure toilet paper is comfortably within reach and extra rolls are handy in case you run out; consider installing an L-shaped holder that makes changing the roll easy.

Top DIY Tips For Home Safety: Exterior

  1. Mount battery-operated, motion-detector lights outside to illuminate doors and walkways.
  2. Make sure address numbers are visible at all exterior doors and easily seen from the street in the event of an emergency.
  3. Clean garage floor to remove slick spots, pick up any sharp objects (nails, screws, shovels) and use a non-slip floor mat to wipe moisture and debris off shoes and boots before entering the home.
  4. Clear a path, free of overgrown grass, bushes and shrubs, to a sturdy mailbox that is easy to open and close.
  5. Make sure garden tools are easily reached from a flat-footed stance; and use a retractable reel to keep hoses coiled.
  6. Consider hiring a local service for wintertime ice and snow removal, spring and summer yard maintenance and fall leaf removal and gutter cleaning.

For more extensive home modifications such as ramps, grab bars, curbless showers, recessed lighting and wider doorways, just to name a few, hire a reputable company  that is certified in aging-in-place solutions.

Connie Hallquist is the Founder and President of Nest Home Health Modifications and works with her team of Certified Aging-in-Place Specialists (CAPS), as designated by the National Association of Home Builders, to recommend home health products and design home modification solutions for clients.

Article provided by: Parent Giving

Tips for Communicating with a Person Who Has Dementia

We often think of communication in the context of words or other sounds (singing or shouts for example) and we assume that the goal of communication is to share a particular message. But in fact, there are two types of communication: verbal and nonverbal. Nonverbal communication — the use of body language – is conveyed with our eyes, touch, facial expressions, gestures, hand movements, body posture and position. What’s more, the actual message, or content of our communication plays a lesser role in overall communication.

According to research, nonverbal (body language) comprises 55% of overall communication, compared to vocal tone, which comprises 38% of communication and content, which comprises only 7% of communication. Keep this in mind when interacting with your loved one.  Just because they may have trouble understanding the content of your message, does not mean that they can’t pick up on frustration, fear, happiness, sadness, anger and other communication through body language.

Tip 1: Effective Non-Verbal Communication

Maintain a calm pleasant approach.  The person with dementia will mirror your mood.  If you act rushed or tense the dementia person may react by becoming more anxious or agitated. Approach the person from the front to minimize the startle effect.  Always establish eye contact.  Speak at eye level whenever this can be done.  Point or demonstrate what you are trying to get across.

Tip 2: Effective Verbal Communication

Use a calm gentle voice. Use short simple sentences.  Speak slowly. Call the person by name and introduce yourself if necessary.  Answer a frequently asked question like it was the first time they have asked it.  Eliminate distracting noises.  Give one instruction at a time.  Do not overwhelm them.  Remember you are speaking to an adult.  Allow enough time for the person to respond and repeat yourself if necessary.  Use words that are familiar to them.

Tip 3: Things Not to Say

Do not try to argue with someone who has dementia, talk louder when they do not understand you, use a demanding tone or ask questions that rely on the use of memory if they are experiencing a disoriented moment.  You should treat them the way you would want to be treated under the same circumstances.  Basically, try to put yourself in their shoes.

Tip 4: Alleviating Barriers

Be a good listener. Encourage nonverbal types of communication and be patient and supportive. Show interest in what they are saying and do not criticize.  Focus on feelings and not the facts and offer comfort and reassurance.  Limit distractions, offer a guess when they can’t find the word and give them time to express their thoughts. Use cue cards to help with communication barriers. Do not make fun of their  lack of abilities or tease them at any time.

Tip 5: Coping with Reality

Communication with someone with Alzheimer’s can be a difficult task. Alzheimer’s disease damages parts of the brain that control communication and it may be difficult for your loved one to find the right words. They may have difficulty following conversations or they may be able to still read but not comprehend what they are reading. Memory loss may cause the person to repeat himself or herself or to develop “automatic speech”, where a simple phrase like “thank you” is repeated. Curse words may be used more frequently due to the disease process. Keep in mind when communicating to enter their reality instead of bringing them into yours.

As you learn to communicate with some who has dementia, stay flexible. Remember that it is a trial and error process and what works today may not work tomorrow. Use your own skills and implement your own ideas

Deanna Lueckenotte experienced Alzheimer’s at a personal level with her grandmother who is now no longer with us.  She has spent almost 13 years working in geriatric healthcare with an emphasis on Alzheimer’s.  She is the author of Alzheimer’s Days Gone By: For Those Caring For Their Loved Ones.

Two Easy Steps to Developing a Care Plan

Help to ensure continued good health for your aging loved one by creating a geriatric care plan.  Taking the time to go through these quick and easy steps to creating a plan will help your loved one avoid hospitalization, enable them to live independently, and improve their overall quality of life.  Putting a care plan in place enables family caregivers, aging loved ones and health care professionals to be on the same page regarding health care and living arrangements.  This also ensures that each person knows their role in managing the needs of the patient or loved one.

Step One:  The Geriatric Assessment

A geriatric assessment is performed by a geriatric care manager or licensed social worker.  The goal of the geriatric assessment is to evaluate the current and future medical, social and emotional needs of the aging individual.  A geriatric assessment should include:

  • A complete physical, mental and psycho-social evaluation
  • An assessment of the individual’s personal care competencies, known as actvities of daily living (ADLs)
  • Identification of existing problems
  • Listing of anticipated problems

Step Two:  Developing a Care Plan

The geriatric assessment should give families and caregivers all of the information needed to develop a solid, comprehensive care plan for their loved one.  According to the American Association of Retired Persons (AARP), a care plan “assesses an individual’s medical and social service needs, and then coordinates assistance from paid service providers and unpaid help from family and friends to enable persons with disabilities to live with as much independence as possible.” Such a plan should include:

  • Help managing personal care responsibilities, medication delivery, and general physical, mental and psycho-social issues.  For some families, a home health aide or an assisted living environment addresses these issues.
  • Anticipate changes needed in living arrangements developed to ensure the continued safety and health of the aging individual.  Sometimes, simple attention to geriatric home safety is all that a family needs to ensure the continued health and safety of their loved one.  Other times it may be necessary for the older individual to be moved to a smaller housing unit, apartment or other one-level living arrangement (including assisted living options and/or nursing homes).
  • Managing the connections between support services, healthcare providers and the aging individual to ensure that the loved one receives the necessary care and monitoring.
  • A plan for ongoing monitoring and reassessment.  Families, especially those who don’t live nearby their aging parents, should make sure that they receive periodic reports about their loved ones.  Regular reassessments should be scheduled to address any changes in the older person’s physical, mental or psycho-social needs.  Special attention should be paid to the need for immediate modification in the event of a drastic change in the older person’s health.

Republished with permission from Parent Giving. was created to help time-starved caregivers provide better care for their aging parents by providing in-depth information and helpful checklists about a variety of caregiving topics.