Category Archives: Senior Citizens News

Senior Thought – America’s Rising Medical Expenses Threaten Senior Citizens

If you’re a working individual like me and you are still having a problem budgeting your money on medical expenses, then you have got to understand what it feels to be old and in need of medical attention.

Perhaps it’s time to be alarmed, as a growing number of Americans are not getting the right health care because they can’t possibly afford it. According to a recent survey conducted by the Commonwealth Fund’s Biennial Health Insurance Survey, around 43% of America’s working age adults have not seen a doctor when they were ill. If you put up an estimate on the figure, close to80 million people did not have access to proper health care last year.

If we do some backtracking, that’s over 75 million people in 2010 and 63 million in 2003.

Our country’s healthcare insurance situation has clearly gone from bad to worse. If the working-age adults are having a hard time getting the right medical services nowadays, then how much more can we expect from our senior citizens? With more people entering into the retirement age, perhaps now might be the right time to come up with a back up plan on staying fit and healthy.

With the high costs of medical insurance, it is not surprising why a lot of people have opted not to be insured, but the same people are going to have a lot of problems getting the best hospital care in the future. Is this one reason why rumours of some health centres are now having difficulty when it comes to hospital infection control because of the low healthcare budget? Who knows. One thing is sure though; this won’t be too much of a good news for the elderly citizens.

For those who are already comfortable enough with their senior medical insurance, it is still right to be worried. With the high costs of medical expenses, you’ll most likely realize that you’d get lesser health care service from some hospitals nowadays. Nearly 3 out of 10 adults have said that they do not visit a doctor in a hospital or clinic when they have medical problems simply because they can’t afford the fees anymore. This does not include those who have not visited their doctor again but need follow-up check ups because of the nature of their disease.

In fact, 28% of patients with chronic diseases, like hypertension, heart disease and diabetes, who need prescribed drugs have opted to not buy the said medicine, since it’s too expensive for them. And to think that these diseases are more prevalent towards people who are now over the age of 50 and above! Perhaps it’s time for our government to take a look into this problem and come up with the right solution before all is too late.

So what does one have to do in order to survive the high medical expense nightmare? I guess it’s back to the basics for all of us. Eating a healthy diet, lots of proper exercise, and living a stress-free life are some of the easiest solutions so far when it comes to staying away from the hospital!

About the Author:

Jessica Greenberg is a caregiver and avid blogger from San Diego, California. When she’s having her days-off, she enjoys surfing the Internet with a hot cup of coffee in her hand while checking articles about care-giving and senior care. She also enjoys updating Wordbaristas.com, a blog that she keeps together with her friends.

How you can obtain low-cost senior life insurance coverage

Life insurance needs for seniors take on different priorities. In earlier years when raising a family you had to provide for your partner, your children and their education. Now, with your children grown and on their own, you tend to settle down and protect your partner, property and other assets. To begin with ask yourself a few questions. How much money do I need for my monthly living expenses if something should happen to me? How do I make sure my mortgage is paid off? How do I provide enough money for my partner to live on? Do I want to build up a nest egg for my survivors?

Once you have the amount of coverage you need, the next step is to start getting quotes on your policy. Here are a few tips to help you better.


There are several ways to find the best contacts. You can start by consulting your financial advisor for the names of reputable brokers or companies. Talk to your friends to find out what kind of coverage and premiums they have. Another quick way to get the information you want is to go online and do search on several companies. Stay away from companies that want you to sign up before explaining exactly what they are offering and what your benefits are.

It is always advisable to do a little research before you plan to purchase the insurance. If possible, shop around your locality or the area nearby to get great deals. Take a wise decision before you finalise the plan. It is a very important step which many ignore.

Remember, your insurance should cover your health problems or issues. If it doesn’t, it is no use buying that policy. Ensure that you get good coverage or else you might end up spending a lot. Comparison of insurance is very essential. You will get an idea about the various deals available in the market. You can pick the one, which is tailored to your needs. When you compare insurance, you save money as you get to know the deals and the price. This is a smart way of obtaining a low-cost insurance.

There are different types of policies. Most policies fall into two broad categories, Term Life Insurance and Whole Life Insurance. Term Life has no cash surrender value and may not be renewable because of your age or medical condition. Expect premiums to jump substantially as you try to renew it. Whole Life is an asset with a cash surrender value. You may need to draw upon this provision if some unexpected event occurs. In dollar terms, Term Life is cheaper.

What to Expect. You will need to provide your medical history. Some of the items can include age, cholesterol levels, blood pressure, family history, height, weight, and any chronic conditions such as diabetes or heart disease. The company will then assign a rating and quote a premium based upon the category you fall into.

There is another type of senior coverage that is for funeral and burial expenses. This policy does not require the extensive medical information that you need for a regular policy. It is designed for persons over age 50. Coverage is guaranteed regardless of health and no medical exam is required. Your policy cannot be cancelled.

Weigh all of your options carefully. Be sure you know what your policy covers, whether you can change your beneficiary and whether you can transfer ownership of your policy. This last item is particularly important in the event that you are required to enter a nursing home and want to apply for Medicaid.

 

The above-mentioned are a few things that could help you get a low-cost senior insurance without much difficulty. Research and smart choice are the keys to obtain cheap insurance which cater your needs. The best thing is, you have options! Choose the right one, custom made to fit in your requirements

 

About the Author:

This guest post is contributed by Maria, financial guest blogger. At present she is focusing on ppi claims . Catch her @financeport

Role Models for the Elderly

This year the BBC broadcasts Attenborough: 60 years in the Wild, celebrating Britain’s favourite elderly role model.  Sir David Attenborough brought natural history into the homes of nature lovers across the UK as well as running the administration of the entire British Broadcasting Corporation.  At a time when many people are thinking of slowing down, the 86 year-old still makes gargantuan steps forward in his career with no less than three major projects  being aired this year. So what lies behind the spirit of adventure keeping our beloved elderly role models young?

Psychologists tell us to keep an active and inquisitive mind and modern day scientific institutions have their fair share of prominent talents.  Sir Patrick Moore shines every bit as brightly as his celestial darlings and has inspired countless people to sit quietly by their telescopes to learn more about the night sky. Stephen Hawking, 70 was recently voted the person students would most like to go for a drink with!

Imagination then, is that the key ingredient? Neither George Lucas nor Steven Speilberg seem to have any ideas about folding up their directors chairs just yet. The two icons of cinema both kissed their 50´s goodbye several years ago and are not showing any signs of calling cut on their careers.

It must be something in the film making water fonts because acting careers seem to bring out the very best in age.  Stars like Dames Judy Dench, Maggie Smith and Helen Mirren take the leading role in most prominent idols for the elderly and their performances seem to be getting stronger with age. Sir David’s older brother Lord Richard Attenborough is loved the world over, not only for his acting ability but also his exquisite direction of films like Chaplain and Shadowlands.

Then there are the aging icons that continue to inspire people of all generations with their lust for life.  Sir Paul McCartney was chosen as the shining star to lift the nation in Olympic celebrations and shows no signs of burning out after a glittering career. When he was with Lucy in the Sky with Diamonds, in the 1960´s did he think he would still be rocking fifty years later after hitting 70?

Then you have the likes of Manchester United´s Sir Alex Ferguson who announced his retirement six years ago, but can´t tear himself away from the game. Having turned 70 years old you would think he might be feeling the pressure at Old Trafford, but the seasoned campaigner never looks fazed.

The list of stars, music personalities and brainiacs is too long to list here, but every one of them proves that life does not end just because you reach a certain age, finish work and begin to doubt your capabilities. Even for those elderly people being looked after in care homes, just because our body´s and brains grow old and we need help from time to time, the old cliché you are only as young as you feel, can be used to instil positive beliefs and when you look at the elderly role models competing against people from younger generations you imagine they are rediscovering their youth by being around young people. May be this says that carehome supplies should not only include the daily essentials but also include the occasional visit from youth groups in the local area to help the residents enjoy their company and feel young again.

How seniors can earn money from their passion

Many of us dread the thought of turning 60 because we feel that at this time, we would no longer be as financially productive as we used to be. But the truth is that this stage could be the happiest and most fulfilling time of our life.

Our passion can be a great resource for income after retirement. We’ve heard a lot of successful stories in the past about retirees earning even more than their regular paycheck, after they retired. More than just that, getting to do something that we truly love is also healthy for the heart and mind. It constantly inspires us and even keeps us from being overly sensitive. Be inspired by the successful stories of these passionate seniors.

Mel, flower shop owner. Mel, 58, is a widow, whose husband just died. They had 3 kids, all grown-up, and living in different parts of the world. Her husband’s death completely devastated Mel. In the first few weeks, she didn’t even bother getting out of bed but one day, she snapped out of her catatonic self and realized that she had to do something.

Mel adored flowers. She had a small garden outside her home. During her tough times, her flower garden was her refuge. There was a feeling of calmness every time she started doing the daily gardening thing weeding, watering, etc. Then one of her daughters suggested starting a flower shop which Mel completely welcomed. It started in a small booth outside her home. Today, Mel supplies fresh flowers to flower shops in Colorado. Her online flower shop is also in the works. She never thought her passion could turn into a profitable business in the end but yes, she did.

Travis, travel blogger. Travis used to work in the real estate industry. He lost his wife to cancer when he was only 48 years old. His kids now have lives of their own. Like most seniors, Travis dreaded the thought of retiring. But instead of taking it lying down, he packed his bags and traveled the world. This man was very passionate about traveling but if you’re thinking that he spent all his hard-earned savings on his travels, you are wrong. In fact, he even earned from it through his travel blog. He earns passive income from his blog advertisers and claims that he has never been this contented about work or income source before.

Frances, caregiver. Frances thought she’d be needing care from the people around when she grows old. But this former social worker knew that she still had so much to give. She invested a portion of her retirement in a small in-home care center, a few blocks away from her home where she’d take care (and bond) with fellow seniors. Her daughters would join her to help take care of the pack. Most of her clients were from the neighborhood but in a matter of months, the business grew and have been getting clients from other towns as well. Frances takes pride of getting to do something that she truly loves. And as for the money? Yes, she’s more than happy!

We salute our passionate seniors! And we hope they inspired seniors from around the world as well.


The Importance of Diet and Exercise to Senior Care

Many primary care providers make the mistake of dismissing their charges as incapable of being challenged. While many seniors who reach the point of needing primary also experience reduced muscle strength, their capacity to bounce back from non-ambulatory states should always be kept as a possibility.

Individuals who engage in active senior care should always make regaining lost vigor and strength a priority. The proper combination of diet, rest and exercise can make muscle growth and increased function very possible for those of advanced age.

What Causes Age-Related Muscle Loss?

Sarcopenia, or muscle loss associated with those over the age of 40, is the combination of several metabolic and societal factors. While the body does incur certain reductions in muscle tissue via gradual losses in hormone secretion, it is the lack of muscular challenge that is truly the plague to graceful aging.

Growth hormone, testosterone and several similar growth factors recede with age. Many individuals consider this hormonal recession to be the be-all and end-all without recognizing the potent increase in hormonal activity that is incurred through high intensity exercise.

How can Resistance Training Aid Senior Care?

One of the key difficulties when acting as a primary care provider is mobility. Aging seniors often require significant assistance in simply being removed from their bed. In some cases a wheelchair is necessary for a senior to regain movement around their home.

One of the most common and harmful accidents experienced by seniors involves the loss of balance and falling down. While vertigo, medication and other related problems increase rates of falling down, most situations are the result of poor muscle control and strength.

Resistance training allows a senior to slowly but effectively regain strength in their muscular tissue. Those who have fallen prey to sarcopenia-induced immobility have seen considerable improvement in their movement by engaging in high intensity exercise sessions.

Further, resistance based training can greatly aid in the treatment of illnesses that afflict our elderly population. Diabetes, high blood pressure and chronic cardiovascular issues all respond well to weight lifting. The same hormonal mechanisms triggered by resistance training are responsible for incurring these beneficial health effects.
Proper Nutrition for Seniors

Primary care providers often find senior food choices to be different from their own. The reduction in many hormonal processes associated with advanced age reduces the desire for high amounts of protein and even limits caloric needs.

Nonetheless, protein should be increased in the diets of seniors as maximally as possible. Higher protein diets increase muscle mass considerably, which is vital to the reduction of mortality associated with surgeries, illnesses or accidents.

Carbohydrate choices also require a certain degree of attention. Higher insulinogenic carbohydrates can severely exacerbate certain illnesses. Vegetable and fruit sources of carbohydrates should always be preferential to sugar or grain based foods.

Omega 3 fatty acids are vital to the prevention and treatment of aging-related disease states. Seniors often find themselves getting little to no omega 3s. In many cases a simple fish oil substance can greatly increase a senior’s quality of life.

 

Author’s Bio: Lisa James a well known author has been writing articles on geriatric care. For more information visit the websiteSeniorCare.net