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Archive for May 2010

Caregiver Stress Test for Marin County, California Caregivers

by Frank Samson, Certified Senior Advisor · Comments (0)

30 May

By Frank M. Samson

What is a Caregiver exactly? The Department of Health and Human Services defines them as “a person, either paid or voluntary, who helps an older person with the activities of daily living, health care, financial matters, guidance, companionship and social interaction. A caregiver can provide more than one aspect of care. Most often the term refers to a family member or friend who aids the older person.”

“Put on your own oxygen mask first before helping others” is something you hear each time a flight is taken. A similar concept should be used when taking care of an elderly parent or other loved one. It’s difficult enough for the caregiver to manage their personal life without the added responsibilities of providing in home care and managing various aspects of someone else’s life as well. There is proven research showing caregivers are less healthy than non-caregivers, both physically and mentally. This research is based on higher hospitalization rates, higher death rates and higher levels of depression. Additionally, those who have other responsibilities, including being a spouse, parent and/or employee are likely to deal with more everyday stress.

According to the American Medical Association, caregivers are often so concerned with caring for their relative’s needs that they lose sight of their own well-being. Below is a caregiver stress test which will help determine where the caregiver may stand:

Caregiver Stress Test

Score each item as:

1-Never

2-Once or twice

3-Rarely

4-Sometimes

5-Often

6-Usually

7-Always

In caring for a loved one, how often do you have the following experiences:

__Feeling resentful

__Feeling trapped

__Being tired, not sleeping enough

__Feeling weary

__Feeling troubled

__Poor appetite or overeating

__Feeling hopeless

__Feeling useless

__Being physically exhausted

__Feeling disillusioned

__Feeling anxious

__Feeling “burned out”

__Being unhappy

__Feeling rejected

__Being utterly drained of feeling

______TOTAL SCORE*

*If your score is 60 or above, the stress associated with being a caregiver is beginning to take its toll.

*If your score is 90 or above, the caregiver is living with burnout.

In my day-to-day work, I personally witness caregiver stress as a common phenomenon, but the good news is the caregiver can manage stress and improve their physical and mental health to benefit themselves, their parents and others who depend on them. Following are some options to consider:

* Exercise – The strength to handle an aging parent and exercise is a great stress reliever.

* Healthy Diet – Having three balance meals a day is a minimum necessity.

* Regular Check-ups – When caring for someone else, as a caregiver – you can not ignore the signs of your own health.

* Professional Home Care – Ongoing help from professional caregivers or just temporary relief – respite care.

* Assisted Living Homes or Communities – Safety should be the number one priority for your loved one. There are various affordable options available.

Frank M. Samson is Founder of Senior Care Authority based in Sonoma. Which provides free assistance to families finding in-home care, independent and assisted living for their loved ones. Reach him at 707.939.8744 or e-mail at frank@seniorcareauthority.com. The company Web site is http://www.seniorcareauthority.com.

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Easing the Financial Burden for Senior Care in Napa County, California

by Frank Samson, Certified Senior Advisor · Comments (2)

23 May

Frank M. Samson

Providing senior care for a loved one can be overwhelming both emotionally and financially. According to the 2009 Genworth Cost of Care Survey, median annual costs for various types of senior care in the Bay Area can reach burdensome levels:

Adult Day Care – $20,410 annually – based on eight hours a day, five days a week.

In-Home Services – Assistance with activities of daily living, including dressing, personal hygiene, bathing, etc. – $52,634 annually, based on 44 hours a week.

Assisted Living Facility –$39,960 annually – private one-bedroom

Nursing Homes – $82,125 – semi-private, and $102,018 – private, annually

I hear stories daily from adults regarding the financial challenges associated with providing their aging parents with assistance. Such assistance may be provided at home, assisted living facilities, residential care homes or nursing homes. As they go through the process, seniors commonly say, “I do not want to be a burden on my kids as I age.” I’ve highlighted below some of the options that will help pay, fully or partially, for needed assistance or care:

Medicare/Medi-Cal

Most private health insurance plans follow the same general rules as Medicare. If any long-term care is covered, it is usually for only skilled, short-term and medically necessary care. Homecare is limited only to medically necessary skilled care. Custodial or personal care is not covered by health insurance. The coverage in a skilled nursing facility must follow a hospital stay and is limited up to 100 days. If you meet Med-Cal’s financial eligibility status, you must select a skilled nursing facility that accepts Medi-Cal.

Long Term Care Insurance

Long-term care insurance could be the best investment one can make. Unless medically necessary, you can avoid skilled nursing facilities by residing at assisted living facilities, residential care homes or at a home with the needed in-home care. This type of insurance makes it much easier to cope with most otherwise uncovered health issues as you get older.

Long-term care insurance should be as important as your healthcare insurance, life insurance and homeowner’s insurance. Generally, long-term care is needed for conditions that cannot be cured or healed, and for helping people with routine activities such as dressing, bathing, transferring, continence care, toileting and eating. Long-term care insurance extends for a long period of time, covering care for various types of dementia, including Alzheimer’s disease. Long-term care insurance, which can reduce the burden from your family and your peace of mind, should be a very serious consideration.

Life Insurance

There are various ways you can use your life insurance to help pay for long term care, including accelerated death benefits, viatical settlements and life settlements.

Accelerated Death Benefit – An accelerated death benefit is a life insurance death benefit paid in cash in advance, tax free.

Life Settlements – Life settlements give you the ability to raise cash by selling your life insurance policy at its present value. The proceeds may be used for any reason including paying for long term care.

Viatical Settlement – This settlement allows you to sell your life insurance policy to a third party and use the money your receive to pay for your care. This option is only possible if you are terminally ill.

Veterans Aid and Attendance

The aid and attendance pension benefit offered by the Department of Veterans Affairs may be available to wartime veterans and surviving spouses who have in-home care or who live in assisted living facilities or nursing homes. The current monthly benefit can be up to $1,948.

Though there are minimum qualifications, I have listed the prerequisites for review below:

* Served in the military during time of war, or spouse.

* Have less than $80,000 in investments excluding home/car. Note: There are other options still to consider if this wasn’t checked.

* Monthly income less than the monthly cost of care including prescriptions. Need help from others in one or more of activities of daily living.

* If surviving spouse, married to the veteran at the time of death.

* Have sufficient resources to pay for care while awaiting a decision from the VA – may take up to four to 12 months.

As you can see, while providing senior care for your loved one may be emotionally and financially challenging, there are a variety of available options to substantially ease the burden.

Frank M. Samson is Founder of Senior Care Authority based in Sonoma The company provides free assistance to families in helping them find in-home care, independent and assisted living for their loved ones. He can be reached at 707.939.8744 or frank@seniorcareauthority.com. The company Web site is http://www.seniorcareauthority.com.

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Understanding Memory Loss in Sonoma and Marin County, California

by Frank Samson, Certified Senior Advisor · Comments (0)

12 May

“It’s on the Tip of My Tongue”

By Frank Samson

Loss of memory or cognitive decline shows up in the little things first. You have a harder time calling to mind the names of people and places; you have something on the tip of your tongue, but just can’t remember what it is, you go into a room to get something and can’t remember what it was. The prefrontal cortex, which is your search engine for your memory, can’t call it up. Everyone has this happen at some point in his or her life. When this happens the hippocampus kicks in to provide other associations to try to jog your memory, but those names and places which used to come easily become more difficult.

Getting older is unavoidable, but falling apart mentally or physically is not. The biological mind-body connection becomes more important as you age. After all, a sound mind won’t do you much good if your body fails.

Brain-function research shows that as you age the cells throughout your body gradually loses its ability to adapt to stress. In the brain, when neurons get worn down from cellular stress, synapses erode, which eventually severs connections. Dendrites physically wither and you start losing a signal here or there. Losing a signal here or there isn’t such a big deal at first, because the brain is designed to compensate by rerouting information around dead patches in the network and recruiting other areas to help with trafficking. The good news is your brain is a social network; it thrives on making new connections and is constantly rewiring itself and adapting⎯provided there’s enough stimulation to spur the growth of new neurons.

Memory is possible because of your neurons. Neurons are electrically excitable cells in the nervous system that process and transmit information. Neurons never actually touch each other. They reach toward each other across a gap (synapse) with their axons and dendrites (hair-like filaments that project out).

With that thumbnail sketch, it’s time to dig into practical applications that can help you with age-proofing your memory. In the book, Age-Proofing Your Memory by Dr. Arlene Taylor PhD and Dr. Sharlet Briggs PhD, they encourage you to think of exercises and information as “fun education” that can help you delay the onset of symptoms of aging and slow down any tendency toward memory loss⎯especially intelligent/creative memory.

You no doubt have heard of the importance of physical exercise for building muscles, conditioning the heart and lungs. It turns out that moving your muscles produces proteins that travel through the bloodstream and into the brain, where it plays a pivotal role in the mechanisms of your highest thought process. Exercise is said to set the stage for learning.

Any intellectually challenging activity is believed to stimulate dendritic growth, which adds to the neural connection in the brain. The brain thrives on novelty. Keep your brain active each day. Learn something new by taking classes at local adult education centers or community colleges, attend seminars or lectures, play games, try memory exercises, read, write, work crossword or other puzzles

According to Miriam Nelson, PhD, a scientist at Tufts University biologically, it is possible to reverse the aging process by 15 to 25 years. You only have one brain with which to remember, and only you can take care of it. The sky is the limit when it comes to stimulating your intelligent/creative memory.

Frank M. Samson is Founder of Senior Care Authority based in Sonoma. The company provides free assistance to families in helping them find In-Home Care, Independent and Assisted Living for their loved ones. He can be reached at 707.939.8744 or e-mailed at frank@seniorcareauthority.com. The company website is http://www.seniorcareauthority.com.

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The Truth About Long-Term Care-Learn More in Contra Costa County, California

by Frank Samson, Certified Senior Advisor · Comments (0)

05 May

By Frank Samson

As I advise people on care options for their family members, most are surprised to learn about various nuances of insurance coverage as well as the various long term care options available.

See if you can answer these True or False statements.

1) T or F – There are approximately 25 licensed assisted living locations in Sonoma County.

2) T or F – Insurance coverage for Homecare is limited only to medically necessary skilled care.

3) T or F – Fewer than 15 percent of the elderly needing care live in nursing homes.

4) T or F – Most of our parents prefer to stay at home and it is the best place for them.

5) T or F – Medicare does not pay for long-term care.

6) T or F – The leading cause of death among seniors (65 years +) are falls.

7) T or F – In order to be eligible for Medi-Cal, you must exhaust your financial assets and have very limited income.

8. T or F – Less than ten percent of personal care costs in the U.S. are paid by private long-term care insurance.

9) T or F – Long-term care insurance are not for those who are financially secure.

10) T or F – The highest percentage change for cause of death is Alzheimer’s disease.

ANSWERS:

1. False. There are nearly 200 assisted living locations (Residential Care Facilities for the Elderly) in Sonoma County. Options range from small, family Residential Care Homes to larger, full-service communities with hundreds of residents.

2. False. Though non-medical homecare is not covered by health insurance, some is covered by long-term care insurance. Non-medical or personal assistance may be help eating, bathing, or going to the bathroom. It may be a ride to the doctor or the grocery store, or help balancing a checkbook or cooking dinner.

3. True. Most of us get this care at home or in the home of an adult child or relative, not in a nursing home. In fact, nearly 80 percent of the frail elderly and the disabled live at home.

4. False. Of course each situation is different, but living at home can be lonely and often dangerous. If your mom or dad needs lots of help, there are several options which also may be less expensive than staying at home in a potentially unsafe environment.

5. True. Neither will Medicare Supplement insurance. These programs will pay only for limited nursing home or home health care, and only after a patient is discharged from the hospital.

6. True. In 2006, there were 16,650 fall-related deaths or 37% of all deaths among the elderly. In 2007, 3,134,935 seniors experienced an injury. Most seniors were injured by a fall: 1,927,766 seniors or about 62% of all senior injuries.

7. False. The misconception is you have to spend all your money to qualify for Medi-Cal. This isn’t always true. You may be able to protect your assets by utilizing different legal trusts such as special needs trust, irrevocable trust or a revocable living trust. However, once qualified for Medi-Cal, there are limited long-term care options.

8. True. More than 80 percent of Americans have health insurance, usually through their jobs or from Medicare. Yet only seven percent of us have long-term care coverage. That is the real crisis of the uninsured.

9. False. Long-term care insurance is extremely important for those at any income level. On average, Assisted Living costs are $40,000 per year and Nursing Homes average $82,000 per year. A Long-term insurance option is part of the new Health Reform Plan called The CLASS Act which will offer only minimum coverage, but it’s a start.

10. True. Between 2000-2006, Alzheimer’s disease had a 47.1% increase as cause of death. All other major causes of death decreased – Heart disease (-11.5%), Breast cancer (-0.6%), Prostate cancer (-14.3%), Stroke (-18.1%).

Frank M. Samson is Founder of Senior Care Authority based in Sonoma and also hosts “The Aging Boomers” on KSVY every Monday at 2pm beginning May 3rd. The company provides free assistance to families in helping them find In-Home Care, Independent and Assisted Living for their loved ones. He can be reached at 707.939.8744 or e-mailed at frank@seniorcareauthority.com. The company website is http://www.seniorcareauthority.com.

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