Long Term Care Providers And Policy Holders Suffering

A woman is hugging an older man


I was fortunate enough to be able to buy a Long Term Care or LTC Insurance Policy that only required payments for 15 years, something which I don’t even think exists anymore.  Actuaries underestimated how long people would live and, as a result, have been paying out more LTC claims than originally projected.  This has caused many LTC providers to pull out of the market completely, and others to raise rates dramatically.  AARP The Magazine (December 2022/January 2023 Issue, page 28) profiled Terry Koplan, a retired Los Angeles resident who bought a policy with an inflation-protected benefit, currently $270/day, for an unlimited time.  However, he was recently notified that his annual premium would triple in 2024 to $14,315.  The insurer offered him other options such as cancelling the policy and refunding one-quarter of past premiums.  “ I feel like I have been completely cheated,†Terry told AARP.

GPS Trackers Debut That Can Be Attached To Anything

A group of people giving thumbs up to the camera.


Ever lose your keys or can’t find your purse?  Chipolo has introduced a product called Chipolo One Spot, which costs around $30.  It has a GPS or Bluetooth tracker that attach to pretty much anything and can be located via your cell phone.  When a Bluetooth trackers is in range, it communicates directly with your cell phone.  When out of range, the tracker relays its signal through other people’s compatible devices to show you its location.

A New Solution For Ankle, Arm, Knee or Wrist Pain

A nurse is caring for an elderly woman.


A new type of technology called HealthWear has infused medicines like capsaicin (nonivamide) into compression sleeves.  They give pain relief similar to what you would get by applying an ointment like Bengay, but without the mess and odor.  They can also cover a larger area than a pain-relief patch.  Called Nufabrx Health-Wear (less than $20 for each sleeve), this is a fairly new category but one which shows promise for those with chronic pain.

Carmel-by-the-sea, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available : Set Your Own Hours: $2/Hour Extra On The Weekends CNA or HHA Designation A Plus

A woman is helping an older man with his shirt off.


Carmel-by-the-sea, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available : Set Your Own Hours: $2/Hour Extra On The Weekends CNA or HHA Designation A Plus (Also Aromas, Big Sur, Carmel Highlands, Carmel Valley, Castroville, Corral-de-tierra, Del Rey Oaks, Gonzalez, Greenfield, King City, Pacific Grove, Pebble Beach, Prunedale, Salinas, Seaside & Soledad

We have developed a reputation for having the best caregivers (Home Care Aides or Senior Companions) in Monterey County over the past decade and have recently expanded into Santa Cruz County.   We are currently looking for qualified caregivers.

 

Family inHome Caregiving of Monterey and Santa Cruz is seeking compassionate, mature and dependable caregivers who want to improve the lives of our elderly Clients by providing in-home, non-medical care.  Our services include:

Caring companionship

Meal preparation

Incidental transportation

Running errands

Light housekeeping

Medication reminders

Monitoring of safety while bathing

Information and referral services

Other services that improve the safety, security and quality of life of seniors.

If you believe you would make an exceptional Home Care Aide, we would love to hear from you!  We prefer those with experience helping the elderly, disabled and others with mobility problems.  Having cared for those with dementia and/or Alzheimer’s is a plus.  To work for us, you must have excellent references, a clear criminal record, a good driving record, and an insured reliable vehicle.  To apply, please visit our website www.familyinhomecaregiving.com, click on careers where you can fill out an application online or go to https://tsc221.ersp.biz/index.cfm?event=Apply.index

We have immediate openings all over Monterey County.

Diet One Of The Keys To Longevity


Eating healthier can increase your life span and there are some delicious and nutritious options such as the Mediterranean diet.  Simple carbs like white rice and potatoes lack the fiber, protein, vitamins and minerals of more complex grains, Emma Newell, a registered dietician at NourishRx told AARP Bulletin (December 2022/January 2023, page 21).  Choosing smarter options can lower cholesterol, stabilize blood sugar, improve gut health and boost energy levels.  The alternative isn’t just brown rice.  Chef Franklin Becker of the Press Club Grill has some suggestions on high-fiber carb side dishes which are delicious.  These include barley, which is subtly sweet and chewy and goes well with salads, Korean dishes or paired with bitter greens like escarole.  Farro is also a good choice, and goes well in pilafs, salads, steamed with kale and squash, or cooked risotto-style with Parmesan cheese.  You can also give bulger a shot.  It is often used in Turkish cuisine and has a popcorn like scent when cooked.

The Oldest American Dies at 115 Years Old

A person holding a stethoscope in their hand.


The oldest person in America, Bessie Hendricks of Iowa, who lived through the roaring ‘20s, two Great World Wars, the launch of the Internet and then the pandemic, has passed away at the age of 115 on January 3.  When she turned 112, she told a reporter than the secret to her longevity was hard work, staying away from doctors and making sure you eat sweets.  Making it to Centenarian status (100+ years old) is rare.  According to the United Nations, there were over 97K Centenarians in the U.S. in 2021, almost double the number there were in 2010.  In 1950, there were only 2,300.

AARP Program Can Help You Get In Shape

Three older women are holding pink dumbbells.


AARP has an online fitness program powered by LIFT (an industry leader in quality online fitness) session which can help you achieve your fitness goals.  You will receive access to expert webinars and personalized workouts for all fitness levels.  They also offer live small-group and one-on-one coaching classes.  Check it out at www.AARP.org/onlinefitness.

 

Take Online Classes with AARP Online Classes

Three older women are holding pink dumbbells.


AARP has partnered with Older Adults Technology Services (OATS) to take advantage of the power of online learning.  Senior Planet has hundreds of online classes in multiple languages including English and Spanish which can help you broaden your horizons.  Among the classes are weekly fitness and health classes, all taught by a live instructor on Zoom and can be found at www.seniorplanet.org/fitness

Investing In Aging In Place Companies

A woman is helping an old man


Nobody wants to spend their final years in a nursing home, which is why I founded Family inHome Caregiving, which focuses on helping seniors remain in their own home safely and healthy.  The Wall Street Journal recently ran an interesting story about seniors wanting to invest in stocks which are focused on this growing market of providing goods and services to those aging in place.  Here are a few of your options:

Hartford Funds launched the Hartford Longevity Economy ETF (HLGE).  The ETF tracks the Hartford Longevity Economy Index, an index of companies that support aging in place, home modification, working longer, performance health, social connections, financial freedom, mobility, human enhancement and entertainment.  The fund has an expense ratio of 0.44%.

Global X Aging Population ETF (AGNG) invests in the services side of aging with positions in healthcare companies, pharmaceuticals, senior-living facilities and age-tech companies.  The fund has an expense ratio of 0.5%.

BlackRock’s iShares Aging Population UCITS ETF (AGED) offers a global play on the longevity theme.  The fund invests in developed and emerging markets companies focused on aging.  The fund’s expense ratio is 0.40%.

Castroville, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available : Set Your Own Hours: $2/Hour Extra On The Weekends CNA or HHA Designation A Plus

A woman sitting next to an older man on a couch.


Castroville, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available : Set Your Own Hours: $2/Hour Extra On The Weekends CNA or HHA Designation A Plus (Also Aromas, Big Sur, Carmel-by-the-sea, Carmel Highlands, Carmel Valley, Corral-de-tierra, Del Rey Oaks, Gonzalez, Greenfield, King City, Pacific Grove, Pebble Beach, Prunedale, Salinas, Seaside & Soledad

We have developed a reputation for having the best caregivers (Home Care Aides or Senior Companions) in Monterey County over the past decade and have recently expanded into Santa Cruz County.   We are currently looking for qualified caregivers.

Family inHome Caregiving of Monterey and Santa Cruz is seeking compassionate, mature and dependable caregivers who want to improve the lives of our elderly Clients by providing in-home, non-medical care.  Our services include:

Caring companionship

Meal preparation

Incidental transportation

Running errands

Light housekeeping

Medication reminders

Monitoring of safety while bathing

Information and referral services

Other services that improve the safety, security and quality of life of seniors.

If you believe you would make an exceptional Home Care Aide, we would love to hear from you!  We prefer those with experience helping the elderly, disabled and others with mobility problems.  Having cared for those with dementia and/or Alzheimer’s is a plus.  To work for us, you must have excellent references, a clear criminal record, a good driving record, and an insured reliable vehicle.  To apply, please visit our website www.familyinhomecaregiving.com, click on careers where you can fill out an application online or go to https://tsc221.ersp.biz/index.cfm?event=Apply.index

We have immediate openings all over Monterey County.