| |
| |
|
Elder Care Information |
|
Introducing the Best Available Long Term Care Policy Guarantee
If you're 60 to 70 years old ... or have a family member who is ... then what you are about to discover could help prevent the complete erosion of your estate. In fact, it's probably the most important asset you could ever own. Let me explain why. For over 24 years, I have helped hundreds of individuals understand and implement money saving ideas. From the birth of an innocent newborn to the demise of a crafty senior I've witnessed families in every financial situation imaginable. As my clients age (and me along with them), I can tell you without hesitation the biggest fear of growing old is losing your ability to remain independent. Although we are living longer, we are not necessarily living better. Chronic disease is rampant ... and it strikes with a vengeance when you least expect it. How many people who have experienced a stroke knew it was going to happen to them? How many anticipated that particular moment when they began to forget things? The facts speak for themselves. Literally millions of Americans require long term care ... either in nursing homes, day care centers, assisted living facilities or in their own homes. And the cost of providing this care is outrageous with no end in sight. Now, if you think it will never happen to you ... I'm sorry. This article doesn't try to convince anyone about the likelihood of their needing care before they die. It's meant for those who understand and appreciate the need to arm themselves with protection against the horrific expense of long term care. In fact, this article is ideal for those who have already looked at traditional types of long term care policies and are trying to determine which type is best for them. One of the biggest objections to buying a long term care policy is that if the benefit is never needed the premiums paid for the policy will be wasted. This is somewhat like buying automobile insurance. You have to pay the premium in order to get your car repaired. But what if you never have an accident. Is that considered losing your premium? Funny isn't it? People hardly question paying for car insurance, but they frequently resist doing so for a long term care policy. So... what if you could always get your premium back - guaranteed - if you never require any long term care? And, what if you die before receiving long term care? Wouldn't it be great if your loved ones could recover 100% of your premium expense? How about this? You actually use up all of your long term care benefit. And then you die. What if your family could still get back 10 percent of your premium. Now if you know anything about long term care policies you're probably wondering why you haven't heard of this type before. One reason is because it is non-traditional and not included in the mainstream marketing of long term care policies. Another is because it takes a large sum of money to buy the policy. $50,000 is typical and it's a one-time single premium, which means you will never get stuck with a premium increase. It is not uncommon for people between 60 and 70 to have large sums of money stashed away in bank CDs earning low interest. Kind of an emergency fund. Transferring a portion of this fund into the policy makes sense because the money continues to earn interest. Besides, it usually pays more than the bank ... plus, the policy interest is tax deferred. It's also common for people this age to have old life insurance policies with significant cash value. Many times it's possible to transfer the cash into the long term care policy and still retain a meaningful death benefit. And the future long term care benefit could easily be worth over one million dollars. This policy has a 90 day waiting period before benefits are paid. The length of the benefit can be as short as 4 years or as long as your lifetime. You can also get a 5% compound interest inflation protection rider to help keep up with the rising cost of care. The name of this policy is MoneyGuard. It is a universal life insurance policy with a long term care rider. The issuing life insurance company is Lincoln Life, a subsidiary of Lincoln Financial Group. By the way, this policy was initially developed by Penn-Pacific Life many years ago. They have years of experience and an excellent reputation. Lincoln recently bought Penn-Pacific. Ask your life insurance agent to get you more information about this single premium policy. For the right situation it is absolutely the best guarantee in a long term care policy. Don Adams is a 24 year veteran financial consultant who has helped hundreds of individuals solve a variety of problems related to money matters. More information is available at http://personal-finance-on-the-net.com
MORE RESOURCES: Following a stroke, factors as varied as blood sugar, body temperature and position in bed can affect patient outcomes, researchers report. A simple drawing test can predict the long-term risk of dying after a first stroke among older men. Older women who have been diagnosed with an irregular heart beat are at higher risk of stroke than men. A new study shows that warfarin, the most common anticoagulant therapy used to prevent stroke in patients with Atrial fibrillation may not be as effective in women, 75 years or older, as in men. Greater purpose in life may help stave off the harmful effects of plaques and tangles associated with Alzheimer’s disease, according to a new study. Elderly people with pre-diabetes and type 2 diabetes suffer from an accelerated decline in brain size and mental capacity in as little as two years according to new research. A drug prescribed for Alzheimer's disease does not ease clinically significant agitation in patients, according to first randomized controlled trial designed to assess the effectiveness of the drug (generic name memantine) for significant agitation in Alzheimer's patients. Aging may seem unavoidable, but that's not necessarily so when it comes to the brain. So say researchers based on counterintuitive evidence that it is what you do in old age that matters when it comes to maintaining a youthful brain rather than what you did earlier in life. Blueberries and strawberries, which are high in flavonoids, appear to reduce cognitive decline in older adults according to a new study. The study results suggest that cognitive aging could be delayed by up to 2.5 years in elderly who consume greater amounts of the flavonoid-rich berries. Neuroscientists have demonstrated that a compound mimicking a key activity of a hefty, brain-based protein is capable of increasing the generation of new nerve cells, or neurons, in the brains of mice that have had strokes. The mice also exhibited a speedier recovery of their athletic ability. Commonly prescribed anti-depressants appear to be doing patients more harm than good, say researchers who have published a paper examining the impact of the medications on the entire body. Alzheimer's disease (AD) is an incurable, progressive neurodegenerative disease affecting over five million people worldwide, and is the leading cause of dementia in the elderly. Currently, intravenous human immunoglobulin (IVIG) treatment is being explored in multiple off-label uses other than immunotherapy, including AD. Several clinical studies assessing the tolerability and efficacy of IVIG in Alzheimer's disease subjects are in progress with inconsistent outcomes. Video-game technology is proving to be a valuable tool for helping people of all ages improve lifestyle and health habits and manage disease. New research is showing that exergames have significant benefits for older adults by providing cognitive stimulation and a source of social interaction, exercise, and fun. The herpes zoster vaccine, also known as the shingles vaccine, is generally safe and well tolerated according to a Vaccine Safety Datalink study of 193,083 adults. Researchers have found that greater consumption of sugar-sweetened and low-calorie sodas is associated with a higher risk of stroke. Conversely, consumption of caffeinated or decaffeinated coffee was associated with a lower risk. Older adults may be at increased risk of being hospitalized for lung and heart disease, stroke, and diabetes following long-term exposure to fine-particle air pollution, according to a new study. It is the first study to look at the link between long-term effects of exposure to fine particles in the air and rates of hospital admissions. Startling new statistics paint a bleak future for the largest generation in history, the baby boomers, as they cross into old age. Injection of a small amount of clumped protein triggers a cascade of events leading to a Parkinson’s-like disease in mice, according to a new article. A new comparative effectiveness report confirms that pelvic floor muscle training is effective for treating adult women with urinary incontinence without risk of side effects. Seemingly small changes in summer temperature swings -- as little as 1°C more than usual -- may shorten life expectancy for elderly people with chronic medical conditions, and could result in thousands of additional deaths each year, new research suggests. A study involving nearly 2000 people describes the sexual practices of senior citizens in Spain. Older subjects who regularly practise Tai Chi found to have better arterial compliance and greater muscle strength than non-practitioners. Exercise which can achieve both cardiovascular function and muscle strength "would be a preferred mode of training for older persons", say investigators. Experienced practitioners of Tai Chi, the traditional Chinese mind-body exercise now enjoyed worldwide, have been shown in a study of older subjects to have improved expansion and contraction of arteries according to cardiac pulsation (arterial compliance) and improved knee muscle strength. When you think of Botox injections, you probably think of getting rid of unwanted wrinkles around the eyes or forehead, but recently the FDA approved using the injections to help patients with neurological conditions who suffer from incontinence, or an overactive bladder. The biggest study into the treatment of urinary incontinence with botulinum toxin (trade name Botox) has demonstrated that it is effective in treating overactive bladder (OAB) - a debilitating common condition which can affect up to 20% of people over the age of 40. Antibodies that block the process of synapse disintegration in Alzheimer's disease have been identified, raising hopes for a treatment to combat early cognitive decline in the disease. Older women whose diets include a substantial amount of trans fats are more likely than their counterparts to suffer an ischemic stroke, a new study shows. However, the risk of stroke associated with trans fat intake was lower among women taking aspirin. A repression of gene activity in the brain appears to be an early event affecting people with Alzheimer's disease, researchers have found. In mouse models of Alzheimer's disease, this epigenetic blockade and its effects on memory were treatable. Simple tests such as walking speed and hand grip strength may help doctors determine how likely it is a middle-aged person will develop dementia or stroke. A longitudinal study of more than 1,300 children and their families found that mothers whose children spent their early years in high-quality nonparental care, starting from birth and in either center-based or home-based settings, were more likely than other moms to be involved in their children's schools later, regardless of the moms' socioeconomic status. The study also found that the quality of children's early care was more important than the type or setting of care. A new scoring method can help doctors quickly decide which stroke patients will respond well to the clot-busting drug alteplase, according to a new study. A genetic variant that increases the risk of a common type of stroke has been identified by scientists. This is one of the few genetic variants to date to be associated with risk of stroke and the discovery opens up new possibilities for treatment. A new drug that showed promise in animal studies and an early clinical trial didn't improve disability among stroke patients, according to new research. An experimental blood clot-removing device outperformed the FDA-approved MERCI; retriever device, according to new research. The traditional risk factors for stroke – such as high cholesterol – are not as accurate at predicting risk in postmenopausal women as previously thought. Instead, researchers say doctors should refocus their attention on triglyceride levels to determine which women are at highest risk of suffering a devastating and potentially fatal cardiovascular event. Neurologists report success with a new means of getting rid of potentially lethal blood clots in the brain safely without cutting through easily damaged brain tissue or removing large pieces of skull. The disparity in stroke-related deaths among black and white children dramatically narrowed after prevention strategies changed to include ultrasound screening and chronic blood transfusions for children with sickle cell anemia, according to new research. Occasional erratic heart rhythms appear to cause about one-fifth of strokes for which a cause is not readily established. Being anemic could more than triple your risk of dying within a year after having a stroke, according to new research. People with severe sleep apnea may have an increased risk of silent strokes and small lesions in the brain, according to a small study. Clot-busting drugs may be safe for patients who wake up experiencing stroke symptoms, according to preliminary research. Common infections in children pose a high risk of ischemic stroke, according to new research. In a review of 2.5 million children, the researchers identified 126 childhood ischemic stroke cases and then randomly selected 378 age-matched controls from the remaining children without stroke. They discovered that 29 percent of those who suffered a stroke had a medical encounter for infection in the two days preceding the stroke versus one percent of controls during the same dates. Severe, rapid memory loss may be linked to -- and could predict -- a future deadly stroke, according to new research. Men may be at higher risk of experiencing mild cognitive impairment (MCI), or the stage of mild memory loss that occurs between normal aging and dementia, than women, according to a new study. A new position statement issued by the American Academy of Neurology calls on neurologists to begin screening their patients for abusive or violent treatment by family, caretakers or others. Types of abuse include elder abuse, child abuse, sexual abuse, financial abuse, emotional abuse, bullying, cyberbullying and violence. Scientists have identified a protein that exacerbates symptoms of Parkinson's disease -- a discovery that could one day lead to new treatments for people who suffer from this devastating neurodegenerative illness. For most heart and stroke patients, it's probably safe to have sex. "For a patient who has sex with a familiar partner in a familiar setting, sexual activity generally is safe and no more strenuous than golf," a cardiologist said. Job stress and shift work have a lot more to do with obesity among nurses than previously thought, according to a new study. Experts question the concept of the ‘overactive bladder syndrome’. According to researchers, the definition of this syndrome is mostly beneficial to those with commercial interests, while from the patient perspective and for the development of treatments, it may be detrimental. Malignant hyperthermia (MH) is a life-threatening genetic muscle disorder, most commonly triggered in those at risk by certain types of drugs used during anesthesia. Heat stroke, on the other hand, most commonly occurs in individuals in response to physical exertion in hot/humid environments. While their common triggers may differ, the signs associated with MH and heat stroke are remarkably similar – uncontrolled muscle contractions, dangerous increases in body temperature, and muscle breakdown leading to the release of toxins in the blood which may cause cardiac arrhythmias and death. A new medication may be effective in preventing certain forms of heat stroke. Silent atrial fibrillation is very common and may be the cause of many strokes that previously could not be explained. In all, atrial fibrillation may be responsible for nearly one in five strokes. Exposure to light appears to have therapeutic effects on Alzheimer's disease patients, a researcher has found. Care for Asian-American heart attack patients improved between 2003 and 2008, according to a new study. The study found Asian-Americans and whites received about the same level of care, and that differences in care between the two groups decreased over time. The study is significant because little is known about the treatment and outcomes of Asian-Americans who've suffered a heart attack. In the first large study of its kind, researchers find that electronic health records are important tools for improvements in nursing care and health outcomes. Scientists find that a method of positron emission tomography safely and accurately detects dementia, including the most common and devastating form among the elderly, Alzheimer's disease. A new program, which was created by health care professionals two decades ago in an effort to ensure the wishes of those with advanced illness are followed, has now spread to 34 states in the United States. Bedside clinical evaluation can be optimized to diagnose spatial neglect, a disabling disorder that impedes recovery after stroke, according to stroke specialists. Often overlooked, it is associated with prolonged hospital stays, accidents, falls, safety problems and chronic functional disability. Early recognition and targeted cognitive rehabilitation may improve outcomes for the 30-50 percent of stroke survivors with this hidden disability that can be more disabling than paralysis. Although minimally invasive treatments for patients with peripheral arterial disease result in shorter hospital stays and the potential to save Medicare millions of dollars each year, a new study reveals that the quality of care and cost depend on who's providing the treatment. Bingo, a popular activity in nursing homes, senior centers and assisted-living facilities, has benefits that extend well beyond socializing. Researchers found high-contrast, large bingo cards boost thinking and playing skills for people with cognitive difficulties and visual perception problems produced by Alzheimer's disease and Parkinson's disease. Demographics and clinical factors appear to be associated with survival in patients with Parkinson disease (PD), and the presence of dementia is associated with a significant increase in mortality, according to a new report. New research links 'silent strokes,' or small spots of dead brain cells, found in about one out of four older adults to memory loss in the elderly. A survey of nurses and physicians in intensive care units (ICUs) in Europe and Israel indicated that the perception of inappropriate care, such as excess intensity of care for a patient, was common, and that these perceptions were associated with inadequate decision sharing, communication and job autonomy, according to a new study. |
|
|
|
RELATED ARTICLES
Hinged Rail Stair Lifts If a door at the top or the bottom of the stairs may be blocked by the rail of the stairlift, there are a number of models designed to overcome this problem. Some manufacturers are able to produce a rail with reduced overhang upstairs, so the lift will not protrude as far into the hallway. Skilled Nursing Homes - What Are They? A skilled nursing home is a medical facility providing services similar to a hospital. The homes are staffed with licensed nurses, shared rooms, hospital beds, regular scheduled doctor rounds, meals and housekeeping. Using The Proper Wheelchair Will Make Your Everyday Life Easier If you have an injury or a health problem that restricts your mobility, you can achieve the independence you desire with a wheelchair that's just right for you. Wheelchairs are constructed for people of every size, shape, and age, and have features designed to meet the many diverse interests of users and appropriate for the various levels of assistance required. Scaling Down (almost) Painlessly Moving to a smaller house or apartment in a retirement community almost always involves a certain degree of trauma, both for the elder who's moving and for family members. However, by planning ahead you can reduce the discomfort involved and turn what might well become a nightmare into a pleasant event. Short Trips Can Stimulate Alzheimers Patients Severe degradation of short-term memory means that my father, an Alzheimer's elder, is seldom interested in movies or books. And, although music used to be a source of enjoyment, he no longer listens with pleasure. Solitary Confinement -- for Life Sixty-five year old Arthur Jones served a self-imposed life sentence - in his own home.Arthur lived in a high crime neighborhood, so he built iron cages around his outside doors and installed bars on all the windows. Stair Lifts - Straight and Curved Rails There are two types of stairlift. Straight and curved. Caregiving Across The Miles-Tips for Successful Long Distance Caregiving Caring for a parent or a loved one is a difficult job. Your duties as a caregiver become increasingly difficult as the miles increase between you and your loved one. Marketing, Selling, and Serving the Older Adult, Senior Citizens, Family Caregivers Are your clients pleased by the fine quality service that you provide? Validating your clients' endorsement of you through Certification as a Senior Approved Service will increase your client base. Senior Approved Certification leads a family towards a service like yours side stepping the possibility of connecting with a less than desirable service. Review of the Changing Protein Requirements for Seniors Youth, it is said, is wasted on the young. Too busy figuring life they hardly take the time to enjoy it. Whos Gonna Take Care of You When Youre Old? I finally went to the doctor this morning for my bad cold. My appointment was for 9:30 am and yet I didn't get home until after 1:00 pm. What About Tennesse Dept. of Human Services Abuse of the Elderly and Their Families? PART I: Physical Abuse of the Elderly vs. Tennessee DHS Abuse of FamiliesDuring the week of October 26, 2003, newspapers across the state of Tennessee published an Associated Press story that featured the glaring news headline, "Reports of neglect and abuse of senior citizens up 40% in six years. The Dryer Ate Your Underwear! Q: My mom is in the early stages of dementia and she is also incontinent we have tried to get her to stop wearing her underpants and have her start wearing pull-up diapers, she throws the Depends out the door and puts her underpants on. Of coarse we have a lot of laundry! How should I handle this?A: This one should be fairly easy to solve. As the Baby Boomers Age Many employees today are calling in sick - not to care for themselves or their children, but to care for their aging parents. Baby boomers are rapidly moving into the role of caregivers for their parents, but with a few extra challenges due to the changing face of our workforce. Who Wants to End Up in a Nursing Home? NO ONE! As a long-term care consultant for seniors and their families I have visited many different types of facilities. But my favorite type of facility to visit is adult family homes. Stair Lift Buying Guide There is no doubt that having a stair lift in your home can dramatically improve your quality of life. If you are starting to find that climbing the stairs is becoming a hazardous experience, or just hard work, then a stair lift could be the answer. Scaling Down (Almost) Painlessly Moving to a smaller house or apartment in a retirement community almost always involves a certain degree of trauma, both for the elder who's moving and for family members. However, by planning ahead you can reduce the discomfort involved and turn what might well become a nightmare into a pleasant event. If Using The Stairs Has Become A Daily Struggle, A Stair lift Could Change Your Life Using stairs is an everyday nightmare for many people. As we grow older the stairs in our home can become more of a struggle due to mobility problems associated with old age, an accident or illness. Mom Wont Participate! Q: Six months ago we placed my mother in an assisted living facility. She gets along fairly well, but we thought she would get involved with all of the activities. 5 Myths You Should Know Before Choosing Elder Care Myths associated with selecting quality nursing home care suggest quick and easy ways to identify quality care. In fact, relying on these myths can lead to disastrous results.
|
| home | site map | |