Get Long Term Care Insurance LTC If You Can Afford It : Few Seniors Can Afford TO Remain At Home And Independent : By Derek Baine, Carmel, California


One of the biggest mistakes people make in retirement planning is figuring out how much money you will need in your old age to live comfortably, and still be able to pass on gifts to loved ones and your favorite charities.  People are living longer and longer and some financial analysts are having to throw traditional models right out the window.   The New York Times recently posted an article entitled, “Tallying the Cost of Growing Older,†which explored many of the pitfalls seniors fall into as they enter retirement.  “Becoming frail and needing help with basic personal care is probably the greatest financial risk people face at older ages,†Richard Johnson, the economist who directs the Program on Retirement Policy at the Urban Institute,†told the NYT.  A 2019 study he undertook for the federal Department of Health and Human Services found that over their lifetimes, about 70% of older adults will need help from caregivers either in their own home or in long-term care facilities.  Dr. Alicia Munnell, an economist and director of the Center for Retirement Research at Boston College found that only about half of the U.S. population will be able to maintain their standard of living in retirement.  Her team analyzed senior lifetime care needs as low, medium or high intensity, based on how many activities of daily living they need assistance with.  Their analysis found that only 17% of 65-year-olds will need no long-term care, while almost one-quarter will develop severe needs, requiring many hours of help for more than three years.  Most people are somewhere in-between.  Their research also found that only 36% of people in their late 60’s could not even cover a year of in-home care, and that was at 2018 rates of $22 an hour—this has gone up significantly with the current labor shortage.  We are a big proponent of long-term-care insurance.  It’s very expensive but worth it in the long run if you run into health problems.  Few people realize how expensive it can be to remain independent in your own home with the help of paid caregivers.

https://www.nytimes.com/2021/10/02/health/elderly-health-care-finances.html?campaign_id=9&emc=edit_nn_20211003&instance_id=41936&nl=the-morning&regi_id=105425463&segment_id=70562&te=1&user_id=0fafdefaa53c0a82473acdaa719a0aac

 

Pebble Beach, CA Can Driving Habits And Credit Scores Predict Future Alzheimer’s Or Dementia Diagnosis?

A woman looking out of the window at her home.


There has been such slow progress on the search for a cure for Alzheimer’s disease, I was pleased to see that some researchers are focusing on finding early clues as to who may be vulnerable to getting Alzheimer’s disease or some other type of dementia.  A recent article in The New York Times said that some scientists believe that pathologies underlying brain decline may begin many years before symptoms emerge.  A spate of experiments is underway to see if little things like overlooking a couple of credit card payments or habitually braking while driving could be a sign that dementia is in your future.  “Early detection is key for intervention, at the stage when that would be most effective,†said Saye Bayat, the lead author of a driving study funded by the National Institutes of Health and performed at Washington University.  The study took 64 older adults with preclinical Alzheimer’s disease as determined by spinal taps and 75 who were deemed cognitively normal (results were not shared with the study participants).  For a year, researchers measured both groups’ driving performance.  The study found that driving behavior and age could predict preclinical Alzheimer’s 88% of the time.  Those findings could spur recruitment for clinical trials and allow for interventions—like an alert when a car drifts—to help keep drivers safely on the road.  Dr. Jason Karlawish, a geriatrician and co-director of the Penn Memory Center, called the study “provocative†and well designed.  “The results suggest that monitoring a real-world, cognitively intense behavior can detect the earliest, subtle signs of emerging cognitive impairment,†he said.  Another study analyzed medical records and consumer credit reports for more than 80,000 Medicare beneficiaries and found that those who eventually received a diagnosis of Alzheimer’s disease were significantly more likely to have delinquent credit card payments (and sub-prime credit scores) than those with similar demographics who never received an Alzheimer’s diagnosis.  I hope these studies bear fruit.  Regular readers of my blog know that both my father and grandmother had this terrible disease when they passed away.  There are wonderful people at our local chapter of Alzheimer’s Association in Ryan’s Ranch.  It is always a struggle figuring out how to deal with a loved one, as the symptoms can seem to change from day to day.  Drop by or give them a call if you need help.  And when all else fails, don’t forget that the Alzheimer’s Association has a 24-hour hotline.  If you need some additional support you can reach them at 800-272-3900.

 

https://www.nytimes.com/2021/08/23/health/dementia-behavior-alzheimers.html

 

Pacific Grove, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available

A woman in plaid shirt sitting on the side of road.


Pacific Grove, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available (Also Aromas, Big Sur, Carmel, Carmel-by-the-sea, Carmel Valley, Castroville, Corral-de-Tierra, Del Rey Oaks, Gonzalez, Greenfield, King City, Marina, Monterey, Pebble Beach, Prunedale, Salinas, Seaside, Soledad & Watsonville

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 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.fhcofm.com, click on home care aides, then careers where you can fill out an application online.  We have immediate openings all over Monterey County.

Salinas, CA Family Caregivers Face Heartbreaking Journey With Alzheimer’s Disease, Often Ending Up In Hospice

A purple background with the alzheimer 's association logo.


There was a heart breaking article in the Wall Street Journal recently.  It featured Nick Clement, age 78, who has cared for his wife Lucy for the past decade.  Lucy has Lewy body dementia as well as Alzheimer’s disease.  Nick wanted to take care of his wife, however, he quickly found out how difficult it is taking care of someone who is slipping rapidly into dementia.  As her disease progressed, she was unable to brush her teeth or comb her hair, so Nick did that too.  He said that some friends stopped calling, which can be heartbreaking.  Eventually, after Lucy had dropped from https://www.homecaremag.com/june-2021/buzz-vibration-therapy125 pounds down to 90, it took its toll on Nick who was gaunt and depressed.  He had to call in hospice which took over Lucy’s care.  Hospice asked Nick if he had told Lucy it was OK for her to go.  He had not, but went to her room and looked into her eyes and told her he would be alright, it was OK to go.  Sadly, she died the next morning.  Unfortunately, most of us will have to go through this with a family member.  If you need help, CHOMP has a service called Hospice of the Central Coast, as does the Visiting Nurses Association (see links below).  Please reach out for help if you need it, they both have compassionated caregivers.

 

https://www.montagehealth.org/care-treatment/hospice/

 

https://ccvna.com/

 

https://www.wsj.com/articles/one-familys-lessons-learned-from-a-decade-of-caregiving-11623691961

 

Pandemic, Inflation Weight Heavily On Social Security Fund

A blue and white logo of the social security administration.


Trustees for the Social Security trust fund have revised their forecasts, and although the pandemic weighed heavily on the system, it was not as bad as originally thought.  The program is forecasted to be out of funds by 2034, just one year sooner than they had forecast in their April 2020 report.  Unless Congress shores up the fund, benefits will be automatically reduced starting in 2034.  Also weighing heavily on Social Security is the fact that inflation has increased, pushing up the cost of living increase which will further deplete funds.  “There is an incredible amount of uncertainty,†one senior administration official said. “We haven’t lived through a pandemic like this in over 100 years, so we don’t know what the effects are.â€

Carmel Valley, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available


Carmel Valley, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available (Also Aromas, Big Sur, Carmel, Carmel-by-the-sea, Carmel Highlands, Castroville, Corral-de-Tierra, Del Rey Oaks, Gonzalez, Greenfield, King City, Marina, Monterey, Pebble Beach, Prunedale, Salinas, Seaside, Soledad & Watsonville
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 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.fhcofm.com, click on home care aides, then careers where you can fill out an application online. We have immediate openings all over Monterey County.

Pebble Beach, CA Dealing With A Loved One With Alzheimer’s Disease Is Always A Struggle : Try The Montessori Method

A woman and a nurse smiling for the camera.


Regular readers of my blog know that both my father and grandmother had this terrible disease when they passed away.  There are wonderful people at our local chapter of Alzheimer’s Association in Ryan’s Ranch.  It is always a struggle figuring out how to deal with a loved one, as the symptoms can seem to change from day to day.  And unlike most other chronic diseases, there is little that can be done in the way of treatment.  One relatively new method has been used for more than a century on special needs children and is being tried out on those with dementia.  It’s called the Montessori method for memory care, and it involves teaching a “new†skillset to someone.  Just as children need to know how to dress themselves, go to the bathroom, and communicate their needs, so do those with dementia who eventually may completely forget these skills which you and I take for granted.  Using the Montessori Method you will find that it:

  • Respects a person’s dignity, personhood and lived experience;
  • Allows freedom within your provided structure (essentially allowing a senior to be an improvisational artists of sorts);
  • Changes the environment to suit the individual and not the other way around; and
  • Takes into account that an individual benefits by serving their community.

Source: HomeCare Magazine, 03/21 P.40

 

And when all else fails, don’t forget that the Alzheimer’s Association has a 24-hour hotline.  If you need some additional support you can reach them at 800-272-3900.

 

https://www.alzheimers.net/montessori-method-dementia

Carmel Highlands, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available


Carmel Highlands, CA Home Care Aide (HCA) Senior Alzheimer’s & Dementia Caregiver Jobs Available (Also Aromas, Big Sur, Carmel, Carmel-by-the-sea, Carmel Valley, Castroville, Corral-de-Tierra, Del Rey Oaks, Gonzalez, Greenfield, King City, Marina, Monterey, Pebble Beach, Prunedale, Salinas, Seaside, Soledad & Watsonville

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 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.fhcofm.com, click on home care aides, then careers where you can fill out an application online.  We have immediate openings all over Monterey County.

CHOMP Shuts Down Cardiac Procedure Lab Temporarily : By Derek Baine, Monterey, CA

A large fountain in the middle of an indoor area.


There have been labor shortages all across the country but most of the focus has been on the inability to hire unskilled labor.  However, Community Hospital of the Monterey Peninsula (CHOMP) has just announced that it has temporarily shut down its cardiac procedure laboratory because an important position is now vacant.  They are searching for a lab coordinator position which is a highly skilled nurse who manages the care of patients who are undergoing specific procedures in the lab.  The state-of-the-art lab was opened just two years ago.  It’s unclear if this is related to another recent report that CHOMP and other hospitals in the county are facing a severe labor shortage due to employees refusing to be vaccinated against COVID-19.

 

https://www.montereyherald.com/2021/09/23/community-hospital-of-the-monterey-peninsula-temporarily-shuts-down-cardiac-lab/?utm_email=7404B4F5358244C5647B14D271&g2i_eui=B5dv00xjia5jtX%2fZFTuOn45qYHnjNzVq&g2i_source=newsletter&utm_source=listrak&utm_medium=email&utm_term=https%3a%2f%2fwww.montereyherald.com%2f2021%2f09%2f23%2fcommunity-hospital-of-the-monterey-peninsula-temporarily-shuts-down-cardiac-lab%2f&utm_campaign=norcal-monterey-morning-report&utm_content=automated

 

Recognizing The Signs of Parkinson’s Disease : By Derek Baine, Carmel, CA

A doctor and patient looking at a book


Parkinson’s is a terrible disease which along with the normal shaking that most people are familiar with often results in dementia.  It’s very sad to watch. The disease, which there is very little treatment for, can come on with different symptoms in different people.  Some develop a range of motor symptoms like tremors, stiffness and slow movements, while others may experience more non-motor symptoms like anxiety, cognitive changes and even the loss of smell.  This has to do with dopamine, which helps the brain control coordination, emotional responses and movement.  When you develop Parkinson’s disease, the brain cells that produce dopamine start dying out.  If you believe that a loved one is showing symptoms, see a specialist like a neurologist immediately.