Sign up for May’s audio conference – Alzheimer’s

Sign up for May’s audio conference – Alzheimer’s

Join us on May 12 from noon to 1 p.m. for an audio conference on, Positive Responses to Challenging Behaviors in Persons with Dementia.
Many individuals with Alzheimer’s or a related dementia will display difficult behavior during the course of their disease. These behaviors often lead to high stress for both the individual and the caregiver. Learn the basics behind these behaviors, their causes, and how to respond effectively to them.

Cost: None.

Registration
Register online below or to register by mail or fax, click here to download form.

Dates and time: 12:00 p.m. – 1:00 p.m.

Program

Day

Register

Positive Responses to Challenging Behaviors in Persons with Dementia
Tuesday, May 12, 2015
[ click here ]

Music and Memory: Breaking through the Cloud of Dementia
Tuesday, June 9, 2015
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Listen to past Audio Conferences

Program and Date

Listen

Alzheimer’s Preparedness
[ click here ]

Asking for Help
[ click here ]

Beyond Computers and Internet Technology
[ click here ]

Beyond Medication – Non Medical Therapies to Enhance Quality of Life
[ click here ]

Family Dynamics – What is Your Role?
[ click here ]

Healthy Aging
[ click here ]

Music Activities
[ click here ]

Planning a Suceesful Day with a Person with Alzheimer’s
[ click here ]

Description:
Are you too busy to attend an educational program? Audio Conference is designed for those who aren’t able to attend a program outside the home or office.

Once registered, you will receive through the e-mail, a toll free telephone number with instructions. On the day of the conference you will call-in and join many others who are seeking the latest information on memory loss.

Positive Responses to Challenging Behaviors in Persons with Dementia
Chelsey Byers, MA Family Life Educator, University of Illinois Extension
Many individuals with Alzheimer’s or a related dementia will display difficult behavior during the course of their disease. These behaviors often lead to high stress for both the individual and the caregiver. Learn the basics behind these behaviors, their causes, and how to respond effectively to them.

Music and Memory: Breaking through the Cloud of Dementia
Jeanne E. Campbell, MA, LNHA, Administrator Mill Creek Alzheimer’s Special Care Center
In addition to bringing joy and calm to a person who is suffering, music can often help break through the cloud of dementia. Since it is processed throughout the brain, music can often be understood when other means of communication are not – even by people who may have been nonverbal for some time. Join us for a discussion on how to select and utilize music to improve the quality of life for a person with dementia.

– See more at: http://www.alzheimers-illinois.org/comm_education/conferences/audio_conf.asp#sthash.wGAGB0Ak.dpuf

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HSNi Cares supports the Alzheimer’s Association with the Rita Hayworth Collection and campaign

HSNi Cares supports the Alzheimer’s Association with the Rita Hayworth Collection and campaign

From May 1-10, HSN Cares will donate 10 percent of the purchase price from all items in the HSN Cares Rita Hayworth Jewelry Collection, inspired by Hayworth’s favorite jewelry, to the Alzheimer’s Association. Shoppers will be invited to give at checkout; they’ll receive $10 in HSN Ka$h for contributions of $10 or more and can donate tickets in the HSN arcade to unlock an additional $2,500 to benefit the Association. Customers of HSNi brands Ballard Designs and TravelSmith may also donate at checkout, from April 23 to May 25 and April 23 to May 16, respectively. On May 8, from 7-9 p.m. EST, Maria Carrillo, the Association’s chief science officer, will join HSN to guest host the program featuring the Rita Hayworth Collection and to share facts about Alzheimer’s disease.

HSNi Cares, the philanthropic arm of HSNi, dedicated to empowering women and helping families in times of need, is again supporting the Alzheimer’s Association® with proceeds from the HSN Cares Rita Hayworth Jewelry Collection and a larger campaign. From May 1 – 10, 2015, HSN is donating 10% of the purchase price from all items in the collection inspired by Hayworth’s favorite jewelry. Shoppers are also invited to add a donation at checkout at HSN from May 1- May 10, 2015, and in doing so, they will help advance the care, support and research efforts of the Association, moving us closer to a World Without Alzheimer’s® disease.

Customers who make a donation of $10 or more to the Alzheimer’s Association at HSN from May 1 – May 10, 2015 will receive $10 in HSN Spendable Ka$h to be redeemed from June 1 – June 21, 2015.Throughout the campaign, customers can also donate tickets in the HSN arcade to unlock a donation of $2,500 to the Alzheimer’s Association.

HSNi brands Ballard Designs and TravelSmith are also participating in the campaign. Ballard Designs’ and TravelSmith’s customers are invited to make a donation to the Alzheimer’s Association at checkout, both online and over the phone, from April 23 – May 25, 2015 and from April 23 – May 16, 2015 respectively.

Additionally, Maria Carrillo, the Association’s chief science officer, will join HSN to guest host the program featuring the HSN Cares Rita Hayworth Jewelry Collection and to share the facts about Alzheimer’s disease on May 8, from 7-9 p.m. EST.

Visit HSN.com and search “HSN Cares” to learn more.

*100% of your donation through HSN Cares will benefit the Alzheimer’s Association. HSN customers who make a donation of $10 or more to the Alzheimer’s Association at HSN from May 1 – May 10, 2015 will receive $10 in HSN Spendable Ka$h to be redeemed from June 1 – June 21, 2015. Maximum value under this promotion per customer is a $10 Spendable Ka$h. Spendable Ka$h under this promotion will expire if not used by June 21, 2015. HSN will donate 10% of the purchase price from all items in the Rita Hayworth Collection, up to $35,000, to benefit the Alzheimer’s Association, from May 1 – May 10, 2015. HSN will donate $2,500 to the Alzheimer’s Association when 5,000,000 tickets are redeemed on the HSN arcade for this cause at HSN.com/Rewards from May 1 – May 10, 2015. 100% of your donation through Ballard Designs from April 23 – May 25, 2015 and TravelSmith from April 23 – May 16, 2015 goes directly to the Alzheimer’s Association.

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CSA Educational Webinars Navigating the VA Healthcare System

CSA Educational Webinars
Navigating the VA Healthcare System

According to the U.S. Department of Veteran’s Affairs, there are about 22 million Veterans in the United States, roughly 7% of the total population. It is inevitable that you will work with Veterans as professionals who work with aging populations. It is important to know the benefits available to Veterans, and more importantly the process of accessing those benefits. This webinar will focus on the process of enrollment and engaging the supportive healthcare benefits available through the VA (including caregiver support, respite, in home health etc). We will also touch on compensation and pension, loans and the many other support options available to Veterans. This presentation will give you practical steps to help you understand, direct and walk alongside your Veterans who are seeking healthcare and additional benefits through the VA. Register now!

Events

Navigating the VA Healthcare System

Thursday, May 21, 2015 with Carilyn Ellis at 2:00 PM ET, 1:00 PM CT, 12:00 PM MT and 11:00 AM PT

According to the U.S. Department of Veteran’s Affairs, there are about 22 million Veterans in the United States, roughly 7% of the total population. It is inevitable that you will work with Veterans as professionals who work with aging populations. It is important to know the benefits available to Veterans, and more importantly the process of accessing those benefits. This webinar will focus on the process of enrollment and engaging the supportive healthcare benefits available through the VA (including caregiver support, respite, in home health etc). We will also touch on compensation and pension, loans and the many other support options available to Veterans. This presentation will give you practical steps to help you understand, direct and walk alongside your Veterans who are seeking healthcare and additional benefits through the VA.

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The Growing Long Term Care Funding Crisis Requires Understanding Private Pay Alternatives

The Growing Long Term Care Funding Crisis Requires Understanding Private Pay Alternatives
Not all Medicare Advantage Plans are created equal. A little-known option may appeal to those approaching retirement. Click here to read blog post.

The growing long term care funding crisis requires understanding private pay alternatives

Statistics show that the majority of people do not understand the various forms of long term care, the different means to pay for it, and most do not plan for long term care until they are hit by a health care crisis.  Today, Social Security, Medicare and Medicaid are all in the red and creating havoc for government budgets at the federal and state levels.   State budgets have been impacted particularly hard by shrinking tax dollars and growing Medicaid enrollment brought on by an aging population.  Over 10 million Americans now require long term care annually, and Medicaid is the primary source of coverage. 

Seniors and their families are already struggling with the costs of everyday living, if you add the costs of long term care to the picture it is a back breaking scenario for most Americans.  The simple fact is more responsibility is going to be placed back on the individual and their families to find the resources necessary to handle the costs of long term care.  Understanding the growing array of alternative private pay solutions is a critical part of long term care planning for any senior care advisor and provider.

The Solution


Twenty years ago the only real alternative to Medicare and Medicaid was long term care insurance.  Today, a variety of private pay options exist in the market that can help a person remain financially independent, preserve assets, maintain more control of the type and location of care they access, and will go a long way towards preserving dignity for an individual and their family when confronting the need for care. 

Among the options that a senior care advisor and provider should have familiarity with, are:


  • Veterans’ Aide & Attendance Benefit: A monthly benefit for low income veterans (and their spouses) who served at least one day during a wartime period.
  • Converting life insurance into a Long Term Care Benefit Plan: A Long Term Care Benefit Plan is the conversion of an in-force life insurance policy into an irrevocable, FDIC-insured Benefit Account that is professionally administered with tax-free payments made monthly on behalf of the individual receiving care.
  • Reverse Mortgages: A reverse mortgage is a loan that enables senior homeowners, age 62 and older, to convert part of their home equity (primary residence only) into tax-free income without having to sell their home, give up title to it, or make monthly mortgage payments.
  • Viatical/Life Settlements: A life or viatical settlement is the sale of an existing life insurance policy to a third party for more than its cash surrender value, but less than its net death benefit.
  • Senior Living Loans: Senior Care Bridge Loans are designed to help seniors and their families with the cost of assisted living, home care or skilled nursing on a short term basis.  The loan is unsecured with up to 6 co-signers permitted instead of collateral and the loan payments are made directly from the loan account to the care provider.
  • Single Premium Immediate Annuities (SPIA): An immediate annuity is a contract with an insurance company under which the consumer pays a certain amount of money to the company and the company sends the consumer a monthly check for the rest of his or her life. In most states the purchase of an annuity is not considered to be a transfer for purposes of eligibility for Medicaid, but is instead the purchase of an investment.
  • Long Term Care Insurance: Long-term care insurance is designed to cover a wide range of long-term care services. Most long-term care services are NOT covered by any other kind of insurance, including health insurance, long-term disability insurance, Medicare, or Medicare supplemental coverage.

Conclusion

When it comes to private pay financial solutions for long term care it is not about selling a product; rather, it is about providing information and access to resources that will allow for effective long term care financial planning.  Advisors should be focused on understanding the crisis situation we are dealing with as a country and the variety of resources that can help people both plan for the future and react to an immediate situation.  The seven private pay funding solutions presented in this article are all viable alternatives to going onto Medicare and/or Medicaid. It is the responsibility of every advisor to be familiar with how they can benefit a family confronting the realities of long term care.

  • Read the expanded article by Chris Orestis covering Private Pay Options for Long Term Care in-depth in the spring edition of the CSA Journal.

About the Author

Chris Orestis, CEO of Life Care Funding, is an 18-year veteran of both the insurance and long-term care industries.  A former Washington DC lobbyist, he is a nationally known senior care advocate and author of the Amazon best-seller book “Help on the Way”, a legislative expert, featured speaker, columnist and contributor to a number of insurance and long term care industry publications.  Chris is a frequent guest about senior issues on national radio programs; and has also been featured in the Wall Street Journal, New York Times, USA Today, Fox Business News, and PBS.

Founded in 2007, Life Care Funding was the first to pioneer the concept of converting a life insurance policy into a Long Term Care Benefit Plan.  Since the company’s inception, they have built a national network of agents, attorneys, and advisors as well as over 5,000 Homecare, Assisted Living and Nursing Home companies that offer the Long Term Care Benefit policy conversion option to families directly across the United States.

His blog on senior living issues can be found at www.lifecarefunding.com. He can be reached at 888-670-7773 x 6623 or corestis@lifecarefunding.com.

  • Watch the recent webinar, Private Pay Options for Long Term Care, presented by Chris Orestis, CEO of Life Care Funding.

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Stay Healthy, Keep Gardening

Lifestyle Trends
Stay Healthy, Keep Gardening


Aging doesn’t mean you have to give up gardening, which can keep you physically and mentally healthy. You just need to use the correct tools. Also, consider gardening with raised beds or containers, which can be easier on older bodies. Click here to view article.

LIFESTYLE

Stay Healthy, Keep Gardening

Michael Taylor started his first garden, in a small Chicago backyard, when he was 13. Later, as a father and husband raising seven children, he maintained a large garden behind his suburban home, growing tomatoes, green beans, sweet corn, radishes, peas, green peppers, basil and dill. After he moved to a senior retirement complex, in his 80s, he had a small plot in the shared gardens space, growing a few tomatoes, green peppers, dill and basil. It was only at the age of 91 that he decided to retire from his lifetime pursuit of gardening.

For many older adults, like Michael, gardening has been a lifelong hobby, especially for those who grew up planting “victory gardens” to aid the war effort. But many seniors worry that they will have to give up gardening as they get older and cannot easily bend, kneel and squat to dig, weed and prune. For others, moving to an apartment/condo means the loss of yards and gardens.

Aging doesn’t mean you have to give up growing your own tomatoes or roses. Using the correct gardening tools and taking advantage of garden innovations such as raised beds or containers can make it easier for older bodies. In fact, many assisted living communities are offering raised garden beds as an amenity. You can also take advantage of community gardens or sign up with the local garden club to beautify public

Health Benefits of Gardening

Beyond the pleasures of growing our own food or other plants, gardening stimulates all the senses, gets us outdoors and provides many health benefits, both physical and emotional. Studies have shown that gardening relieves stress, eases depression, boosts self-esteem, increases heart health and reduces the risk of stroke. It also improves hand strength and dexterity, increases brain health, decreases Alzheimer’s risk and regulates the immune system.

When practiced regularly, gardening can help lower blood pressure and cholesterol and prevent diabetes and osteoporosis. It gives all major muscle groups a good workout including your legs, arms, buttocks, stomach, neck and back. Digging up soil, setting plants or carrying water can increase heart rate and tone the body.

Gardening is also an excellent way for aging bodies to get “moderate cardiovascular exercise,” according to the Centers for Disease Control and Prevention. The National Institute of Health recommends 30-45 minutes of gardening 3-5 times a week to combat obesity.

Raise Up Your Garden

To prevent having to bend over constantly, and to avoid back strain and knee problems, you can raise the level of your garden.

Raised bed. Create raised beds with lightweight plastic landscape timbers or other materials at the height you need, including wheelchair height, and just add dirt. Make sure you can reach the middle of the beds from either side.

Container gardening. Those who don’t have large yards, or have limited mobility, can use containers on balconies or small spaces. Place them at the right height for you, and consider wheeling them around on castors to catch (or avoid) the sunlight or rain. (See sidebar for tips on container planting.)

Vertical garden. Grow your garden upward, with trellises that can hold cucumbers, squash, melons, beans and other vegetables that have vines. You can also use tomato cages, bamboo stakes, fences, walls or arbors as supports. These will help cut down on bending and stooping, and they’ll make harvesting easier.

Gardening Aids

To help avoid physical strain, look for the right tools at your local garden center, nearby hardware store or online website.

To avoid knee pain, use a kneeler stool, which has a thick foam pad that’s comfortable on the knee joints, plus hand grips that make it easier to get up from a kneeling position. Once you’re up, flip the kneeler over to convert it to a comfortable stool. Similarly, a garden seat with wheels provides stability, and some can hold tools.

Choose tools that are longer and made of aluminum rather than steel. Aluminum tools are lighter, and longer tools help prevent over-stretching and provide more leverage. For less strain, buy ergonomically designed handles and tools. If your vision is poor, use tools that have brightly colored handles, or add your own bright colors with colored tape.

Other tips for making gardening more comfortable:

  • Choose padded gloves, which will provide protection for your hands when you are leaning on them.
  • Select a spinning compost bin so you don’t have to reach into the bin to turn it over.
  • Use watering wands or coiled hoses rather than straining with heavy watering cans.
  • Opt for two-wheeled wheelbarrows to avoid having a heavy load shift.
  • Punch small holes in the lid of a jar, mix seeds inside and sprinkle them on the soil from a standing position. This prevents you from having to bend over to plant your garden.
  • Add foam grips to existing tools to soften the handles and add traction, or include “grabbers” or extension poles. These tricks are especially useful if you have a condition, such as arthritis, that makes holding tools painful or impossible.

Join a Garden Club

If you don’t have any soil to call your own, consider joining a community garden, which gives you a small plot of land in a larger, shared space. Usually, the local government or a nonprofit runs community gardens and charges a fee for the land use. Many senior living facilities also provide shared spaces for residents to grow vegetables and flowers. One of the pleasures of a community space is sharing tips: which nutrients to add to the soil, how much to water or when to harvest your winter squash.

In fact, the American Community Gardening Association ascribes all kinds of positive attributes to participating in community gardens. The association claims that community gardening “improves people’s quality of life by providing a catalyst for neighborhood and community development, stimulating social interaction, encouraging self-reliance, beautifying neighborhoods, producing nutritious food, reducing family food budgets, conserving resources and creating opportunities for recreation, exercise, therapy and education.” The association provides a “Find a Garden” option that locates community gardens near you.

Similarly, garden clubs provide a social aspect to gardening. Today’s clubs do much more than plant flowers around the Civil War statue in the town park. According to the National Garden Clubs, they teach gardening skills to developmentally challenged high-school students; plan, plant and maintain healing gardens in nursing homes and veterans hospitals; provide gardening education and encouragement to prison inmates; work to re-landscape hurricane-damaged public areas; help Habitat for Humanity homeowners establish low-maintenance, environmentally friendly gardens; and rehabilitate parks and vacant lots. The National Garden Clubs can help you find a club near you, or you can check your local media or ask at nearby gardening centers.

Sources

“6 Unexpected Health Benefits of Gardening,” Sept. 19, 2015 Earth easy

“Today’s Garden Clubs Are Globally Focused and Locally Grown,” National Garden Clubs

“Growing Community Across the U.S. and Canada,” American Community Gardening Association

“Gardening’s Surprising Health Benefits,” May 30, 2014, Next Avenue

“Adaptive Gardening Tools: Tools That Make Gardening With Limitations Easy,” Gardening Knowhow

Gardens For Senior Citizens: Creating An Easy Care Senior Garden, Gardening Knowhow

“Easier Gardening for Seniors,” DIY

“Growing Connections: Gardening with Seniors,” Agingcare.com

“Tips and Techniques for the Senior Gardener,” Agricultural Extension

Tips for Container Gardening

Gardening with containers looks easy, but you need to take some precautions.

Container. Choose a container with good drainage. Be aware that containers made from clay and other unglazed pottery are porous and tend to dry out more easily than other materials.

Water. Container gardening requires special attention to watering because plants can’t get water from the soil, only from you. Water plants frequently, especially when it’s hot.

Plant. Although almost any kind of plant is suitable for a container garden, the plant’s root length will determine the container’s required depth. Plants with long roots will need deeper containers, whereas plants with shorter root lengths will do fine with more shallow containers.Sunlight. Adequate sunlight is essential to any successful garden, and container gardening is no different. Keep in mind you may need to move your plants from one location to another to follow the path of sunlight.

Source: “Novice Container Gardening Tips,” Gardening Knowhow.

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