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Impact of Caregiving on Businesses

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

10 Feb

It’s no secret that with people living longer, there continues to be an increase in family caregiving for parents and other loved ones. This trend also has a domino effect on the impact in the workplace. Just take a look at the following statistics:

• 61 percent of family caregivers over the age of 50 are employed, (50 percent full-time and 11 percent part-time). – National Alliance for Caregiving (NAC) and AARP, Caregiving in the U.S.
• 64 percent of workers with eldercare responsibilities most commonly arrive late, leave early or take off time during the day to provide care, 17 percent are reported taking a leave of absence and 9 percent have to go from full-time to part-time work. – National Alliance for Caregiving (NAC) and AARP, Caregiving in the U.S.
• 19 percent left the workplace entirely because of having to care for a spouse or other family member. – Employee Benefit Research Institute, The 2012 Retirement Confidence Survey.

These challenges will continue to rise. By 2020, one in three total U.S. households is expected to be involved with caring for an elderly relative, up from one in four today.

ELDERCARE VERSUS CHILDCARE
Even with this ongoing increase in working family caregivers, some might say that it is not too different than childcare while the baby boomers were born between the years 1946 and 1964. Let me tell you some of the key differences:

1. The beginning of eldercare and the duration is unpredictable. This can come on suddenly and often involves many family members.
2. The physical demands on eldercare can be greater since it may include intimate personal assistance of activities of daily living like bathing or toileting for a grown adult.
3. The financial costs for eldercare can add to the strain of caregiving and the effects it has on one’s job.
4. The distance between where the adult child and parents live adds to the stress and complications associated with logistics, additional expenses and the job when long-distance travel is involved.
5. Having a number of family members involved can lead to disagreements among siblings and these emotions can play a significant role when caring for a parent.

WHAT SHOULD FAMILIES DO?
Talking about your children and showing pictures of them on Smart Phones are commonplace today. Showing pictures of your elderly parents who need care is not an everyday thing. Some years back when you heard that someone died in their 70’s, it was not a big surprise. Now, the comment would be, “he (she) was so young!” Today, we hear more about people living until their late 80’s, 90’s and even 100’s.

Unfortunately, most people don’t want to face the fact that their family members are aging and may someday need care. Both the parents and adult children would rather not think about it. Since most are living longer because they are beating heart disease, cancer and other diseases, families have to change and openly discuss the facts and plan appropriately. By discussing financial matters, Durable Power of Attorney, insurance matters, parent’s wishes (if family cannot provide the hands-on care) and the list goes on. Most in the U.S. believe that if someone cannot age at home, they have to go to a nursing home. That’s just not true anymore, and there are other options.

According to the MetLife Mature Market Institute, family caregivers (50 and older) who leave the workforce to care for a parent lose, on average, almost $304,000 in wages and benefits over their lifetime. These estimates range from $283,716 for men and $324,044 for women. Planning properly will help to reduce these numbers somewhat since the caregiver’s role is also dealing with attorneys, doctors, support services and the list goes on. Here are just a few of many questions I ask adult children when a parent is going to need some level of care, whether at home or outside the home:

• Do you know how much your parent has coming in each month?
• Is there any long-term care insurance?
• Who has Durable Power of Attorney?
• Do they have an Advanced Health Care Directive?

When the answer is “I don’t know,” that adds to their stress level and now family members have to work together to get things done. Plan. Plan. Plan.

WHAT SHOULD COMPANIES DO?
A recent study from the National Alliance for Caregiving, Workplace Eldercare shows by implementing eldercare programs can benefit employees and employers with worker retention, productivity, stress levels and health among workers. Some examples of programs include:

• Referral to caregiver resources including in-home care companies, senior placement companies, health care advisors, senior move managers and more.
• Having caregiver resources speak to working caregivers and provide information at the workplace.
• On-site support groups for working caregivers.

These workplace benefits can help working family caregivers balance their work and personal lives while attending to the necessary caregiving responsibilities. The company can benefit from improved employee retention which saves money as well as recruitment efforts to attract the most talented individuals.

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Speaking out on Senior Placement Services and Senior Referral Services

by Frank Samson, Certified Senior Advisor · Comments (1)

01 May

According to the U.S. Department of Health and Human Services,“ about 70 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime.” Some are calling it the “silver tsunami.”

Though it is quite clear that the elderly would like to live at home for the rest of their lives, what if an older adult cannot live safely at home? There are numerous reasons including the following:

• Alzheimer’s or another form of dementia which is becoming too difficult on the family to provide care.
• Family dynamics including those living long distances from one another.
• There is no family to take care of the senior.
• High cost of outside caregivers when assistance is needed regularly.

Does this mean nursing home? Absolutely not. There are some great options which are like a home away from home.

With over 40,000 licensed assisted living locations in the United States and only 15,000 skilled nursing facilities, the movement is toward long-term living at various types of assisted living locations. These can range from smaller 5-person residential care homes to larger assisted living communities. Today, skilled nursing facilities are placing greater emphasis on short-term stays versus long-term stays. Short-term rehabilitation has become a necessity for skilled nursing facilities, bringing in additional revenue and higher margins.

Because of this shift in long-term care living, companies of all types and sizes are starting up to capture a segment of this growing population. One type of company is known as a placement or referral agency. This segment of our industry has the ability of providing tremendous value to families whose loved ones need a different place to live and be cared for. It is unfortunate that many of these services are treating families like commodities instead of human beings who are under a tremendous amount of stress. Following are various types of services and details of each:

1. Senior Placement Service – Many have an online presence where information can be learned about the senior, but these services generally have local
representation that are trained and experienced to assist with various aspects of the placement process. Commissions are paid to these services (similar to the real estate model), so families will not have to pay additional costs. These companies usually represent most of the locations (care facilities) in the area. Services may include assessing the needs of the family’s loved one, meeting “face to face” with the family, providing background information on locations including any state reports noting citations or deficiencies, touring with families, having familiarity with each location, helping negotiate the best rates and assisting with any medical information from physicians and other resources to help with a smooth transition. The key benefit of this service is having a non-biased professional who assists the family through a process that can be a daunting task filled with stress.

2. Senior Referral Service – As the name describes, a “referral” is when someone is directed to a source for help or information. These are mainly online companies that ask a few questions online and send information directly to the assisted living facilities for them to make contact directly with the family. The challenge is that the “referral” is sent to several locations that will contact the family representative by phone, adding additional stress to the situation. Some companies have a “telemarketer” contacting the family by phone but have not visited the locations nor are familiar with any citations that may have been issued by the state on the locations.

3. Lead Generators – These are online companies that perform similar functions as “referral” services, but instead of getting paid a commission from the
location, they are paid on a “per lead” basis. These types of companies are very common in other industries including insurance, real estate, etc. They are online lead generators and are not knowledgeable on senior care or assisting living. Finding the right type of care facility is not like finding a hotel room online just by asking a few questions. Below is a list of important points to take into consideration:

• Mix of residents – If the senior does not have dementia and are referred to locations where the residents are not alert can be uncomfortable for the loved one being placed. If the loved one being placed does have dementia, it is imperative that the caregivers are well trained in this area and have other residents at a similar stage.
• Visitation – Photos can be nice online, but being familiar with a location, the neighborhood, background, furnishings, cleanliness and know if the residents are happy.
• Family testimonials – It’s always good to know if there are families that have had a positive experience with their loved one at this location.
• Local contacts – In most cases families need additional assistance and may need advice from professionals like attorneys, move managers, dementia consultants, doctors and other specialists.

Helping to reduce family stress and not add to it during this decision making process is essential as the need continues to rise for advice on assisting living
options.

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Categories : Alzheimer's, assisted living, board and care homes, Dementia, residential care homes, senior care, Senior Placement

Tags : Assisted Living Sonoma California (CA), Board Homes Northern California, Residential Care Homes Northern California

How Do I Know if My Parent Has Alzheimer’s Disease in Sonoma CA?

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

09 Jul

How do I know if my parent has Alzheimer’s disease?

When an elderly parent starts having trouble with memory, the family automatically think its Alzheimer’s disease. The concerns are valid. Alzheimer’s usually begins after age 60 and nearly half of people age 85 and older may have Alzheimer’s, according to the National Institute on Aging. However, only a doctor can diagnose Alzheimer’s, and there are some other diseases or conditions that may cause Alzheimer’s-like symptoms.

If you suspect your parent has Alzheimer’s, here are some warning signs to look for:

Keeping Track of Seniors with Alzheimer's in Walnut Creek, California

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

26 Jun

Keeping track of seniors with Alzheimer’s

The e-mail alert shouted its message: “Missing Person with Alzheimer’s. PLEASE HELP.” It was sent to Alzheimer’s Assn. chapters and to law enforcement officials within hours after an Orange County woman disappeared while on a short trip to visit a friend…

That story has a happy ending, but many confused seniors who become lost are never found again. The Alzheimer’s Assn. estimates that 60% of individuals with Alzheimer’s will wander at least once during the progression of the disease. Up to 70% of these individuals wander more than once, and up to several times. One study reported that nearly half of those not found within 24 hours die — usually from dehydration, exposure or injury.

Myths About the Aging Brain Revealed in Napa, California

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

19 Jun

For elder care information and assistance in the area, visit www.seniorcareauthority.com.

(ARA) – Who says you can’t teach a mind new tricks at any age? Recent research shows that Americans have the power to positively influence their brain function throughout life – an important realization that is especially relevant for the more than 78 million baby boomers in the United States. Brain health is one of the top health-related concerns of aging populations and has been identified by the Centers for Disease Control as a public health priority.

“The fear of memory loss and losing brain capacity looms large among the minds of boomers,” says Dr. Majid Fotuhi, a leading neurologist and author of “The Memory Cure.” “But we can maintain and even improve our brain health as we age. In fact, our brains have the ability to grow and change throughout life.”

Dr. Fotuhi debunks four common myths surrounding the brain and aging.

1. The brain stops growing after childhood.

A decade ago, many experts would have scoffed at the idea that the brains of adults, particularly older adults, could grow or develop in any significant way. But that has changed. Research increasingly suggests that each time a new skill is learned, such as playing an instrument, speaking a foreign language or even dancing, new pathways are formed and areas of the brain may grow, even well into the later years. Physical and mental exercise can alter specific brain regions, improving in cognitive function. Brain growth isn’t just for kids.

2. Once I start experiencing memory loss, it’s all downhill and there’s not much I can do.

Actually, there are a number of things you can do to improve your memory throughout life, even if you are already noticing changes. Exercise, challenging mental activities, social engagement and diet adjustments have all been shown to have positive effects on cognition and memory. In fact, a new study published online in May in Alzheimer’s & Dementia: The Journal of the Alzheimer’s Association, showed that healthy people with memory complaints who took algal DHA capsules for six months had almost double the reduction in errors on a test that measures learning and memory performance versus those who took a placebo, a benefit roughly equivalent to having the learning and memory skills of someone three years younger. DHA (or docosahexaenoic acid) is an omega-3 fatty acid and a building block for the brain. Algal DHA products comparable to those used in this study can be found at major retailers like Walmart, CVS and Walgreens under the Algal-900 product name – look for the life’sDHA seal on these supplements to ensure you are getting an algal DHA source. For more information on foods, beverages and supplements that contain algal DHA, visit www.lifesdha.com.

3. Memory problems must mean Alzheimer’s disease.

Many people, young or old, worry that mild forgetfulness must be a sign of Alzheimer’s disease. But most people are worrying needlessly – research shows that more than 80 percent of people will never get Alzheimer’s disease. Some experts now believe that it is time to redefine everyone’s understanding of age-related memory loss and dementia. Emerging research indicates that many people experiencing memory loss and dementia actually have mixed pathologies in their brains. In fact, very few senior citizens have “pure Alzheimer’s disease.” Instead, late-life cognitive impairment may in fact be a result of multiple “hits” to the brain, from a variety of risk factors such as hypertension, obesity, sedentary lifestyle, chronic stress, head trauma and poor diet. The good news? There is the opportunity to influence brain health and function by incorporating lifestyle factors like exercise, a healthy diet, stress reduction and intellectual and social engagement. Regardless of family history, the choices a person makes in life may be able to slow the progression of age-related cognitive decline or help prevent it altogether.

4. Brightest equals youngest.

Today’s society does place an emphasis on age but, keep in mind, people over 65 rule the country. The majority of legislators, CEOs, doctors, lawyers, judges, economists and CEOs are not in their 30s or 40s, but seasoned veterans who bestow several decades of experience and expertise. Along with gray hairs come both knowledge and wisdom and you do not have to look far to find inspiring stories of accomplishment, creativity and reinvention in the second half of life. To see some inspiring profiles of aging and learn more about the actions you can take to ensure that you build and maintain a mind that is healthy and beautiful for an entire lifetime, go to beautiful-minds.com.

Courtesy of ARAcontent

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How to Decide if an Assisted Living Facility Is a Good Fit for Your Aging Loved One in Vacaville, California

by Frank Samson, Certified Senior Advisor · Comments (1)

13 Jun

How to Decide if an Assisted Living Facility Is a Good Fit

Author explains what you can and can’t expect out of these semi-independent senior living arrangements

For seniors who may benefit from round-the-clock help, but who aren’t entirely dependent, assisted living facilities are a likely fit. Nearly 40,000 facilities nationwide make up this parcel of the senior housing landscape, and they are generally regarded as a step between a nursing home and, say, an adult day care service. But no two are alike, says Paul Hogan, cofounder and CEO of Home Instead Senior Care, a global provider of non-medical senior care at home. While the facilities generally provide help with bathing and dressing if needed, in addition, some offer occupational therapy services, for example, or may have an exercise room available to residents. That’s why it’s important to talk with your parent early on about his or her preferences and visit several facilities before deciding which one—if any—is a good place for Mom or Dad to call home, says Hogan. In their recent book, Stages of Senior Care: Your Step-by-Step Guide to Making the Best Decisions (McGraw-Hill 2009), Hogan and his wife, Lori, touch on the pros and cons of assisted living. U.S. News asked Hogan, who is well-versed in the care options available for seniors, for guidance on how to determine if assisted living is the right choice and how to pick the best facility.

What to Consider When Searching for an Assisted Living Facility in Santa Rosa, California

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

04 Jun

Visit www.seniorcareauthority.com to find out more about senior placement services available in Northern California.

9 Things to Consider in Your Search for an Assisted Living Facility

The decision to move shouldn’t be taken lightly, say experts. Here’s some guidance

As people age and need more help with daily activities, such as bathing or taking medication, moving to a facility that provides some assistance, without sacrificing independence, may be an option. This type of environment, known as assisted living, has emerged in the past two decades as an increasingly available option for housing and long-term care. In 1999, one third of the facilities that offered assisted living services had been in existence for less than five years, and 60 percent had existed for less than a decade, according to research published in January in the journal Health Affairs. The growth of assisted living facilities has leveled off in recent years, however, as the economic downturn hampered new construction and occupancy rates…

But much like deciding whether a nursing home is necessary, the decision to move into an assisted living facility is not an easy one. So what factors should you consider when looking for a place to move to?

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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