Do you have a hobby? Hobbies can give meaning and purpose to your life in retirement. As Robert Putnam points out in his book, Bowling Alone, it’s easy to discount the importance of hobbies and social engagements. Putnam details the widespread decline in civic engagement, from PTA memberships to neighborhood potlucks and bowling leagues. Over a couple of generations, Americans have misplaced the concept of free time.
Lily is a beautiful, active and full of personality toddler who happens to have Down syndrome. Lily’s parents and I have been friends for years and I have the continuing pleasure of watching Lily and her siblings grow up. While Lily is becoming a physical therapy rock star and hitting all her milestones in a timely fashion, her parents have started planning for the future.
The Merriam-
One of the best ways to both be retired and bring in some money is to find a way to generate cash from your hobbies. It’s a great idea to have several different hobbies because that will give you more opportunities to make more dough.
Here are a few hobbies that can help seniors make money:….
I often come across feel-
This is all well and good, but I can assure you, these writers have never met my cat, Magic.
What kind of lifestyle do you hope to have in retirement? Do you have a strategy to get there? If you don’t have confidence in your plan, it may be time to engage a financial professional. But how do you choose one that’s right for you? These days, you have more options than ever, including so-
ESSENTIAL OILS - NATURES WAY OF DEALING WITH LIFE
By now you probably have heard of essential oils. It seems we all know of someone who is using essential oils or has spoken of their value. You may find them to be a passing phase. You may even think they are a young person thing. But whatever your opinion, essential oils are gaining the attention of young and old alike. What are essential oils and why are so many people using them in their everyday lives?
There seems to be no escape from the universal maxim, “Move it or lose it.” Doubleblind studies are not necessary to know and understand that if we stop moving, we disintegrate and eventually stop moving forever. Sure, people live to age 100 years with little physical activity, but the quality of their life remains in question. Staying active for health and wellness has never been an issue of wondering if it’s true, at least not in the way smoking was once thought to be good for you.
Are you a story teller? Do you have treasured memories you would like to set down on paper for your children to someday read to their children? Perhaps you have always harbored a secret yen to publish a book you have written yourself. Today, people are doing amazing things by taking things they’ve written and putting together a finished book. You could avail yourself of such a benefit or you may more formally get published or perhaps even self-
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Woodwork can take a number of forms. It includes building houses and framing walls as well as the vast world of wood furniture and antiques. Toward the finer, more specialized end of the scale is wood carving. These all require a solid knowledge of the properties of the wood being used. While wood may seem pretty much the same in our day-
Ask any grandparent what he or she enjoys doing, and he or she will probably say, “Spending time with my grandchildren.” While just being in their grandchildren’s presence and talking with them is joyful enough for grandparents, it’s even better if the time spent together fosters bonding and exploring. Sometimes it can be difficult getting out of a routine rut and coming up with new ideas on what to do together. So here are some to consider.
As you age, there’s a good chance you will be hospitalized at some point, especially if you have chronic health conditions. Here are some helpful hints to help you navigate institutional expectations and practice good patient etiquette.
One in 10 Americans over age 65 years and almost half of those over age 85 years have Alzheimer’s disease or a related type of dementia. Alzheimer’s disease (AD), the most common form of dementia, involves a gradual breakdown of nerve cells in the brain. Affected persons lose the ability to interpret information and send messages to their bodies to behave in certain ways. Over time they experience mental, emotional, behavioral and physical changes, necessitating increasing amounts of….
Probate is the legal process of transferring ownership of property from the decedent to his or her heirs either by accepting the validity of their last will and testament or by following the Kentucky laws of intestacy. For a will to be valid, it must be “self-
Gardens are great, but they require a lot of time, labor and money. They also require land space and good soil. Container gardening skirts all these obstacles, offering reduced time, effort and costs, and can be enjoyed in an apartment or other home lacking a yard. Vegetables and herbs can be grown in containers on a balcony, patio or walkway.
Mental health professionals have encountered pseudobulbar affect (PBA) when dealing with traumatic brain injury and some neuropsychological issues people face. Associated with this condition are frequent, uncontrollable outbursts of crying or laughing in people with certain neurologic conditions or brain injuries. This damage can disrupt brain signaling, causing a short circuit and triggering involuntary episodes of crying or laughing that may occur several times a day and can last seconds to minutes.
Some arthritic (joint) pain may be controlled with small lifestyle changes, by application of heat or cold, taking a pain reliever such as Tylenol or physical therapy (PT). However, if your joint pain makes it hard to sleep, keeps you from doing day-
It’s amazing how much the feet have to endure throughout a lifetime. When the feet start to weaken from age, overuse, arthritis and other problems, it’s no wonder a myriad of other issues occur. When the feet aren’t able to do their work, the rest of the body suffers. Inactivity ensues, weight gain follows, mobility and range of motion in joints diminish and it becomes much more difficult for the heart and vascular system to be pushed and strengthened.
For many adults, growing older seems to involve a loss of strength, which in turn affects many aspects of independent living. Much of the strength loss older adults experience is due to inactivity. Decreased energy and frailty are all due to muscle loss. To combat the loss of muscle mass, older adults should incorporate weight training to improve their strength. This can help them maintain their health and independence. Exercise as an important part of daily life is also associated with quality of life.
Are you feeling self-
The 15th annual Grandparents Raising Grandchildren Conference (GAP) will be held Thursday, March 15, at the Clarion Hotel, 1950 Newtown Pike in Lexington. Registration begins at 8 a.m. All are welcome to attend, but the conference is especially planned to help grandparents or other relatives or friends who have full responsibility for raising children not their own. The registration fee is $5 per person, which includes lunch. Registration for professionals such as social workers is $50.
Age affects every part of the body, even the skin. Changes in the face are most visible. Some people celebrate their age and appearance for what they are, but some people want to postpone embracing those changes. Here are some ways to reduce wrinkles and look younger: Add more omega-
Dr. Matt Lee, clinical director of the Kentucky Orthopedic Rehabilitation Team (KORT) in Nicholasville, Ky., is frank: “People who stay active live longer.” Lee should know. “As a young physical therapist, I used to think people became inactive because they were medically ill,” he said. “But after years of practice and research, I understand now that people become medically ill because they are inactive. We are made to move, even as we age. Your physical activity is a matter of living longer and living better.”
Ever have an idea for a new product or a solution to a problem? Most people do, but they don’t know what to do with their ideas. That’s where the Inventors Network KY comes in. The Inventors Network Kentucky is a 501c3 non-
Do you know what a bucket list is? Most people think it is a list of things you want to do before you die. A typical guess is people want to visit a particular place before dying. Based on an unscientific poll about bucket lists, that is not a bad guess. Travel appears to be a frequent bucket list ambition. Anne is an American who is proud her ancestors lived for centuries on the group of small islands in the English Channel between the southern coast of England and mainland Europe.
Family caregivers provide practical assistance and enhance the quality of life for frail seniors who might otherwise require placement in a long-
Curiosity, exploring interests and engagement are a few crucial ingredients to healthy and happy longevity. Enrolling in a class just for the love of learning is a great way to do this. The Osher Lifelong Learning Institute (OLLI) at the University of Kentucky offers educational and enrichment courses, forums, shared interest groups, trips and more for adults age 50 years and older. Membership for the full year is $25; summer programs are at a prorated fee.
By definition, a bucket list is a list of experiences or accomplishments a person hopes to have or complete during his or her lifetime. It takes time to examine your life and decide which experiences really count. You can spend an enormous amount of time reading bucket list books and visiting Web sites looking for inspiration, realizing you would need a substantial amount of time and money to travel the world or buy expensive things.
Eleanor sat in her doctor’s office, listening to a strange diagnosis. She had been searching for a cause for her diarrhea, irritability and depression for over four years. Had she finally found it? “You have celiac disease,” said the doctor. “This is a serious condition. Eating wheat, rye, barley and possibly oats causes damage to the lining of the small intestines. That’s what is causing all your symptoms. You’ll be placed on a gluten-
The University of Kentucky’s Sanders-
Have you ever considered moving overseas to teach? Requirements vary among different countries. The highest-
Are you a senior planning your goals for your later years? A survey was recently conducted in which the following questions were asked of seniors ages 64 to 94 years:
Are you finding your seniors years are an opportunity to “get it right”?
Are these your golden years? Why or why not?……
As you age, you need to get regular medical screenings done so you can be proactive about your health and monitor any changes in your body. Here is a list of screenings as well as immunizations seniors need so they can continue Living Well 60+. These are based on recommendations from the National Institute of Aging and the U.S. Preventative Services Task Force.
Active Day of Lexington has gained a stellar reputation for offering top care to seniors in a supportive and nurturing environment. Services offered here include health and social services; medication administration; transportation; nutritious meals and snacks; physical, occupational, speech and pet therapy; therapeutic recreational activities; and outings. That’s just the tip of the iceberg of a place that could be a great opportunity for your loved one to thrive.
Broadly defined, a volunteer is a person who performs a service willingly and without pay for another person, group or organization. Volunteering is generally considered to be an altruistic activity. It is also renowned for skill development and is often intended to promote goodness or to improve human quality of life.
Welcome to 2018! The beginning of the year is a great time to plan for your future. If you have already done some estate planning, it is time to review your documents. Here are some tips:
1. Did you have any big changes last year? Did you get married or divorced, have a kid, did your assets or income change, or was there a death in your family? ….
It is that most wonderful time of the year—no, we are not talking about Christmas. It’s Medicare’s Annual Enrollment Season. Yes, it’s the time of the year when we stress and spend hours on the phone or online shopping for health coverage. The pain of having to shop health coverage, spend hours on the phone or online with one company vs another for our health insurance can be a daunting task. It does not matter if you are on Medicare or looking for your personal insurance, this can be one of the most dreaded….
This senior living community, the latest on the Lexington landscape, offers numerous amenities and top-
Guardianship has been a hot topic in Kentucky the past year. Between the increase in dementia diagnoses and the growing drug epidemic, the court system has had a great influx in the number of guardianship filings over the past few years. In Kentucky, a guardianship is a legal proceeding during which a jury determines whether an individual is wholly or partially disabled, the court appoints a guardian, thus officially creating a legal relationship between the guardian and the ward.
The holidays are here. What would they be like without those special meals with family and friends? This also means gift giving, parties to attend or host — and stretching your budget. Consider the following tips to help you stay merry and bright this season: Decide on a Budget. Estimate what you are able to reasonably spend. One golden rule: No going into debt for the holidays. Decide now to pay in cash or with a check or a debit card. The average holiday bill is $980 and more. Try to pare down your estimate to a….
The holidays are finally here – and so is the holiday stress. The holidays are a special time to celebrate with family and friends, food and traditions. They are a time to spend with loved ones and make memories. The holidays should be a wonderful, joyous time of year, but with so many different things going on and meeting different demands, they can also present their own woes.
The holiday season is a time for celebration, fun and joy. However, if you have seniors in your family, you need to be more careful of the many dangers that can crop up during the family get together. Here are some tips you can use to ensure the health and safety of seniors in your family: Fire Hazards. Some holiday decorations are made of very combustible materials such as flammable cotton and tissue paper. Keep these materials away from fireplaces, candles and wires so they don’t ignite.2
An ulcer is an open sore on an external or internal surface of the body. It is caused by a break in the skin or mucous membrane that fails to heal. Ulcers in the gastrointestinal tract are the most common complaint. There are two types of gastrointestinal ulcers: duodenal and gastric. Duodenal ulcers occur in the first foot of the small intestine just beyond the stomach. Gastric ulcers occur in the stomach. The stomach muscle crushes food and mixes it with pepsin and hydrochloric acid to digest it.
When someone is confined to home due to convalescence from an illness, recovery from surgery, or chronic illness or disability, his or her world shrinks considerably. It’s easy to become disconnected from others and the world in general. Unfortunately, family support for seniors in such situations is often limited. Societal trends that include delayed marriage, decreased family size and increased mobility contribute to elder isolation. Even if adult children live nearby, they’re likely to be busy…..
Vision and balance are highly integrated in the brain, but we don’t fully understand the relative contributions of the visual, proprioceptive and vestibular systems in maintaining balance and preventing falls. We do know there are several possible causes of balance problems. Balance erodes naturally and gradually with age, but several health conditions can cause people to experience equilibrium issues that affect proper stability.
Snow sledding with family members has long been a part of winter fun. You probably went sledding as a child, and you’ll want to share this fun activity with your children. From a health and wellness perspective, sledding can also cause injuries, some of them pretty serious, such as head injuries, the most common sledding accidents seen in emergency rooms. These can even be deadly. Children sledding can risk injury in collisions with objects, rocks, trees and other children or even adults.
If anybody knows how to travel by wheelchair, it’s Ralph Yoder. For more than 20 years, Yoder’s lower body has been paralyzed and he has only limited use of his hands. It all began Aug. 15, 1994, the day Yoder fell off a roof. He landed on a concrete driveway 20 feet below, completely shattering two vertebrae in his neck. Fracture is the most serious injury the spine can suffer because if the fractured vertebrae move, the spinal cord may be compromised, causing paralysis of all muscles below the point of injury.
Nearly 5 million Americans and about 69,000 people in Kentucky are currently living with Alzheimer’s disease, the sixth leading cause of death in the United States. Nearly one in three seniors who die each year have Alzheimer’s or another dementia. Current medications cannot cure Alzheimer’s. They only help lessen symptoms, such as memory loss and confusion, for a limited time.
If you’ve ever felt overwhelmed by the length of your to-
While it is difficult to talk about end-
The subject of near-
My sister opened the door of our mother’s nursing home room one afternoon just in time to see the nursing assistant hit her. It was a real haymaker that snapped Mother’s head back.
“Why did you hit my mother?” my sister asked.
“I asked her to sit up and she didn’t,” the young woman replied. Our mother was....
Medicaid Resource Assessment are an important tool to understand and utilize when one spouse is in need of long term care. A portion of the Medicaid rules is designed to protect the community spouse (spouse at home) from impoverishment and unnecessary dissipation of family assets. Only the institutionalized spouse (spouse in a facility) is required to have assets of $2,000 or less and a pre-
If you’re a caregiver, you may have already read articles about the importance of preventing burnout. Usually these articles include a suggestion to join a support group. Perhaps you’re reluctant to do so because you wonder what caregiver groups are all about and whether joining one would really help you. The overall goal of caregiver support groups is to enhance participants’ coping skills through mutual support and information sharing. Objectives may include:.....
Mary Lou Campbell believes every senior in Kentucky needs to know about the Senior Health Insurance Assistance Program (SHIP) services available through the office of Legal Aid of the Bluegrass. “I want people to know there is help,” said Campbell, who works in the Lexington office of Legal Aid of the Bluegrass. “It is frustrating to see people paying for things that we can do for free.”Campbell said SHIP provides information, counseling and enrollment assistance at no cost to seniors and disabled individuals, ....
The Bluegrass offers a great deal for residents and passers-
Medicare open enrollment starts Oct. 15 and continues until Dec. 7 this year. This is when you can enroll in or change Medicare Advantage, Medicare Supplements or Prescription Drug Plans. Medicare is the federal health insurance program for people age 65 years or older, certain younger individuals with disabilities and people with end stage renal disease (permanent kidney failure requiring dialysis or a transplant). Original Medicare, commonly known as straight Medicare, is the traditional....
The U.S. Census Bureau reports over the past decade the number of unmarried senior partners has increased by 70 percent. Seniors cohabit for many reasons. These include love and friendship, inheritance concerns and an anti-
Women who are maintaining healthy families serve as a litmus test for the economic strength of communities. Across her lifespan, a woman’s health status matters to herself, her family and to her community. While life expectancy is higher for women than men in most countries, a number of health and social factors combine to create a lower quality of life for women.
A power of attorney (POA) is a document that allows a person or organization to manage the affairs on behalf of another individual. Most people know at least this much about POAs, but not all POAs are created equally. They all appoint an attorney-
Model railroading is a wonderful journey through life. Since retiring, it has provided me an important ingredient in adjusting to these senior years. Specifically, it has given me the opportunity to utilize the talents I’ve accumulated over a lifetime. Creating a miniature world makes scale-
In a historic building adjacent to Cheapside in downtown Lexington, a group of women are making a difference in the lives of seniors and their families. Bluegrass Elderlaw is comprised of two partner attorneys, two associate attorneys, and three support staff. Carolyn L. Kenton founded Bluegrass Elderlaw in 2011. Before creating the firm, Carolyn had practiced by herself almost 20 years in an office sharing arrangement with her husband’s former law partners.
Many people feel like a vibrant spiritual life is out of reach. They aren’t even sure they want to reach for it. We hear friends talk about trusting God, having peace with God, even hearing from God. We have relatives whose lives are shaped in positive ways by their faith. Neighbors have confidence that they will live in a better world after this one. But, at least so far, what transforms others hasn’t convinced us. “Maybe,” we whisper, “God is for other people but just not for me.
Memory disorders are frightening and frustrating not only for the person suffering from them, but also their loved ones. Fortunately, Lexington has a unique program to help patients and their families and caregivers. More than five years ago, Greg Cooper, M.D., Ph.D., east regional president for Baptist Health Medical Group, saw the need for a more specialized, holistic, multidisciplinary approach for caring for people with dementia through his work that focused on memory issues.
Patrons of Legacy Reserve at Fritz Farm can hardly wait to move into their new homes this month. Some of them signed up over a year ago. “I chose Legacy Reserve as my future home for many reasons,” said Don Bayer, a retired Chicago Public Schools principal. “I was fascinated by the fact that it is going to have a heated saltwater swimming pool. I love to swim.” “We decided we wanted to live here the rest of our lives,” said Loretta Jones, another resident looking forward to moving in.
Many people in the United States with significant savings fear going broke in retirement, according to a recent survey. However, there are ways to live frugally to try to prevent that from happening.
1. Analyze your living situation. According to research, the cost of a home and home-
No one needs to be told the younger generations are attached to their technology. It used to just be computers, but now it’s smart phones. These days, if you want to stay in contact with your grandchildren – and sometimes even your children – you’d be wise to learn a few basic methods of keeping in touch in the digital age. A study released in 2012 by Microsoft and AARP called “Connecting Generations” found teens and their parents and grandparents are communicating more because of....
If you’ve lived in Lexington longer than five minutes, you know restaurants abound here. This list features local – not chain or franchised – eateries that are stand alone and have reasonable prices and, of course, good food. They are in alphabetical order. Brontë Bistro offers a nicely varied breakfast menu. The restaurant can be found inside Joseph-
Caring for an aging relative typically involves physical, psychological, emotional and financial demands that increase over time. If you have a parent or sibling in this role, it’s important to reach out and support them. This can be done even if you don’t live close by. If you live nearby Offer to sit with the care receiver for an hour or two while the caregiver runs errands, gets their hair done or attends a social event. Make this a regular practice.
We all know we need to save money, but many of us put off saving. We need to develop a rainy day fund. Having a “rainy day fund” gives you the peace of mind of knowing you are secure and better prepared to meet unexpected expenses. Bankrate’s Financial Security Index says 20 percent of individuals do not have any money saved. Only one person in five has sufficient funds to cover three months of expenses. Everyone should commit to saving even a small amount monthly.
Performing cardiopulmonary resuscitation (CPR) has gotten simpler in recent years. Previously, people had to take a two-
One of the many things a couple should discuss before marriage is finances. Financial issues are among the top three leading causes of divorce in the United States, according to the Institute for Divorce Financial Analysts (www.institutedfa.com). It is important to know your partner’s financial stance as you enter into a serious relationship and definitely before getting married. Finances can make or break a relationship. Different spending habits, different financial goals and financial secrets....
How does a reverse mortgage differ from other mortgages? Why did one financial adviser call a reverse mortgage “an option of last resort”? Although private banks sometimes make reverse mortgages (often referred to as a home equity conversion mortgage, or HECM), these days most senior citizens apply for reverse mortgages through a government program administered through the Federal Housing Administration (FHA). Eligibility requirements include: .....
According to the National Funeral Directors and numerous other sources, the average cost of a traditional burial is presently $7,000 to $10,000. Traditional funeral services typically include embalming and dressing the body, renting the funeral home, holding a viewing, transporting the body via a hearse to the funeral site and purchasing the casket, a cemetery plot or crypt and a headstone or tombstone. Direct burials involve a simple burial container, no viewing or visitation and no embalming, but a memorial....
We, as elder law attorneys, are often asked to explain the differences between a legitimate asset preservation plan and elder financial abuse. The key factors to look for are the intent of the elder adult and the intent of the recipient, usually an adult child or children, who are involved in transfer of assets.
Infusion therapy involves administering medications intravenously by needle or catheter rather than orally. It is used when a patient’s condition is so severe that oral medications are not effective. Injections can also be delivered into muscles or epidural routes – the membranes surrounding the spinal cord. The medications can be antibiotics, antifungals, antivirals, chemotherapy, hydration, pain management and parenteral nutrition.
Grandparents have always played an essential role in bringing up children, but nowadays, more people rely on their parents to help them with their kids. The unconditional love of grandparents benefits children in many ways. A grandparent’s love and warmth creates a special bond between both generations. Most important, it gives them a feeling of comfort and security.
Distance makes the heart grow fonder, right? Phooey, it stinks! Forming and maintaining bonds with grandchildren long distance can be challenging and sometimes frustrating. Luckily, technology helps bridge the gap of physical distance.
The summer months provide the perfect opportunity to spend extra time with your grandchildren. Perhaps a week at Grandma and Grandpa’s house is something the children look forward to every year, but this summer, why not go on a little adventure? Road trips can create a whole new family experience, something the children will remember forever.
When seniors live alone, other people may have concerns about their physical or emotional welfare. Particularly if the senior has health problems or don’t live close by, a son or daughter may invite him or her to move in. If you receive such an offer, ask yourself the following questions and take time to honestly and thoroughly answer each one before making a decision.
Usually, having to take full parental responsibility for your grandchildren or other children not your own comes with little warning. Grandparents often cartwheel into a world of child neglect and abuse, court proceedings and drug addiction they never knew existed. Grandparents need fast, accurate answers to their questions. In sorrow and love they take in the little refugees created by military deployment, fatal accidents, incarceration or mental illness. However, 80 percent to 90 percent of the cases
Senior or Elder bullying is becoming a problem in the aging population. You may think your loved one is safe from such things, but it is being shown that bullying is becoming a problem in Senior Social and Living Communities. Elder Bullying and Elder Abuse are similar but are not the same thing. While Elder Abuse comes from someone in a position of power over the senior, Elder Bullying can come from senior peers as well, just as the children who are bullied at school.
Have you considered starting your own grandparent blog? Maintaining a blog can improve your life and skillsets in many unexpected ways. It will help you: Add Focus To Your Life. In the practical aspect, a blog becomes another (fun) responsibility in your life that needs caretaking and nurturing, but there is also a deeper aspect to a blog. Once you start writing about your life and the perspective that shapes it, you will become more intentional about who you are and who you are becoming.
With age, the body changes. Digestion isn’t as efficient. Your sense of taste may change due to medications or you may have problems chewing. A visit to the doctor will let you know you need to eat a balanced and healthy diet, combined with adequate exercise, and take other measures to age well.
If you’ve heard of the Rotary Club but don’t know any details about it, you’re probably not the only curious person reading this article. “Rotary is the largest and oldest service organization in the world with over 35,000 clubs internationally and 1.25 million members,” said Gerry Van Der Meer, president of the Rotary Club of Lexington. Rotary started over 100 years ago when several businessmen came together and decided to do some good in the world.
Though definitions and criteria vary, numerous studies of informal caregiving in the United States generally define a caregiver as an unpaid individual – spouse, partner, family member, friend or neighbor – who assists another person on a regular basis with activities of daily living and/or medical tasks. The caregiver feeds the care receiver if necessary. He or she helps the person dress each morning and undress and prepare for bed each night. A caregiver may help the care receiver use the bathroom.
Perhaps you, like many others, enjoyed playing ping pong, paddleball, racquet ball and even tennis earlier in life. Then as the years passed, those hips, legs, knees and shoulders gave way to aging. There is still hope for anyone Living Well 60+ in the golden years who wants to keep playing racquet sports, and it’s called pickleball. Pickleball combines elements of ping pong, badminton and tennis. In this game, two, three or four players use paddles made of wood or composite materials to hit a perforated....
Provision Living prides itself on creating an inviting environment where residents can flourish in all these aspects of life. Provision Living’s vision is “to create a radiant organization where people are loved, inspired and thriving.” Its mission is to become “the best place a senior adult has ever lived.” “The one thing that differentiates us is our approach to taking care of our residents,” said Barry Brinegar, Community Relations Manager. “Provision Living is committed to having the best....
The main way most American families save for the future is through private retirement savings plans such as 401(k)s and IRAs. These plans offer the opportunity to designate a beneficiary upon the death of the account holder. These designations allow the account assets to bypass probate and pass directly to the named beneficiaries. Often, individuals make these decisions when initially setting up the account and never reconsider them.
More and more older people are returning to school these days than at any other time in history. Longer life-
A will is the legal declaration of what a person wants done with his or her possessions after his or her death. The person making the will is called the testator. Generally, though there are exceptions, the will must be in writing and must conform to the laws of the testator’s state and nation. Usually, but not necessarily, it is written by a lawyer and witnessed by a notary.
More people in their golden years are hitting the gym these days. It is important to find a gym that meets your standards and expectations – one that you like and feel comfortable going to. The experience at the gym makes or breaks membership and plays a large role in your motivation and willingness to exercise. Before you sign up for gym membership, tour the facility to see what it has to offer. A gym whose front desk staff greets you cheerfully and who enjoy their job will make you feel comfortable....
Health screenings can be lifesaving. “Any individual of any age does better taking care of themselves before they get ill, but sometimes that is unavoidable,” said Lydia Jacobs, aging program coordinator with the Bluegrass Area Agency on Aging and Independent Living. “For the most part, with annual checkups, vitamins, eating healthy, drinking plenty of water and just being aware of your body, you will do better.” What kinds of screenings should you have?
Falls a real danger for people entering their golden years. One minute Amanda was coming down the stairs in her home. The next minute, she was lying face down on the floor at the foot of the steps. She remembered the fall; she recalled scraping her nose on the rough pile of the carpet, getting a kind of a rug burn and hitting her head. She could not get up because her limbs were weak and useless. A neighbor discovered her and called 911.
Perhaps one of the most special gardens on earth is in Amsterdam in the Netherlands. Keukenhof Gardens is the international independent showcase for the Dutch floricultural sector, with a special emphasis on flower bulbs. Keukenhof is considered the royal supplier of flowers. It has almost 100 exhibitors who give their very best range of floweing bulbs for display in the park. With these bulbs, the garden designer creates a special design for each exhibitor.
Are you afraid to give a gift of more than $14,000 in any one year because you will have to pay taxes? Are you confident that making the $14,000 annual gift will keep you Medicaid complaint? If you ask an adult American how much they can give away each year without paying taxes, most will automatically respond, “$14,000.” It has become almost a part of the American DNA.
When the first Grandparents as Parents (GAP) conference convened in Lexington 15 years ago, the pleasant facilities of the Fayette County Agricultural Extension office on Red Mile Place were roomy enough to accommodate the 100 or so people who attended. Times have changed. The 2017 Bluegrass Regional Grandparents and Relatives as Parents Conference has outgrown several previous venues and continues to grow.
All taxpayers dread it: the possibility of being audited. An audit is not as common a practice as you may believe. Kentucky Planning Partners found in 2015, the IRS audited 0.8 percent of all individual tax returns. The IRS defined an audit as a formal review of a tax return to ensure information is being reported according to current tax law and to verify the information itself is accurate. It does not necessarily mean you have done something wrong.
Chronic fatigue syndrome (CFS) is the most common name used to designate a significantly debilitating medical disorder or group of disorders generally defined by persistent fatigue. CFS is often accompanied by other specific symptoms that persist for at least six months, according to the Mayo Clinic. This disorder is known as myalgic encephalomyelitis (ME), post-
While it is difficult to talk about end-
The loss of a child is one of the most devastating experiences a parent may face. You are not only losing a child; you are also losing a piece of yourself, and your future will be forever changed. Compassionate Friends is an organization that supports families that have lost a child. Its mission statement says: “When a child dies at any age, the family suffers intense pain and may feel hopeless and isolated. The Compassionate Friends provides highly personal comfort, hope and support to every family....
As parents and other loved ones age, a prime concern is finding a place for them to live. Many senior housing options are available, forming a continuum of care that seeks to make the transition to each stage easy. You could choose to help your parents age in place in their own home, hiring home care personnel to help with daily living activities such as cooking, laundry, grocery shopping, taking medications and bathing. You might make modifications to the house, such as installing easy-
Nursing homes are inserting arbitration clauses into their admission contracts with more frequency. The Federal Arbitration Act (“Act”), 9 U.S.C. § 2, often questions the enforceability of such clauses. Therefore, it is of the utmost importance that counsel advising nursing homes understand the laws applicable to the validity of arbitration clauses related to admission contracts and the finer nuances.....
Whether you are new to caregiving or have been at it for a while, you may find yourself feeling overwhelmed and worried about your ability to handle all the responsibilities involved in looking after a person with a long-
The Commonwealth Fund, a private foundation, has released its 2016 Scorecard on Local Health System Performance (LHSP). This is the foundation’s second evaluation; the first report was released in 2012. This year the scorecard measures changes in local area performance over recent years. For most localities, this is anywhere from 2011 to 2014.
Many relationships have their ups and downs. No relationship is perfect. It takes a lot of work to sustain a relationship, and having a partner with a mental illness can have a significant impact. The National Alliance of Mental Health (NAMI) (www.nami.org) defines mental illness as a condition that affects a person’s thinking, feelings or moods. If you are living with a mental illness and are already in a relationship, you may wonder whether you should tell your partner about your mental illness.
Molly was 7 years old when her mom died of cancer. Molly had known her mother was very ill; she had witnessed her slow demise. Molly knew what death was. One of her animals had died during the past year and they buried it in the back yard. Molly’s dad was grieving when he explained to Molly that her mom had died. He said, “God needed another angel in heaven, so He took your mom.” The next day, Molly put up a fuss, not wanting to leave the house or see her father leave.
The long, hot days of summer bring many opportunities for being outside, not only on your balcony or porch or in your back yard but also at organized events. The latter may include outdoor wedding receptions, family reunions and other types of celebrations as well as sporting events, concerts and festivals held in various open-
During the most recent legislative session, Kentucky’s General Assembly adopted part of the Uniform Power of Attorney Act (UPOAA) in Kentucky House Bill 11. Why did Kentucky adopt it? The laws regarding powers of attorney (POA) in Kentucky were very old, provided no guidance and were no longer appropriate. The new law provides guidance and instructions for the person signing the POA (the principal), the person to act as the POA (the agent), the attorney drafting the document and the entities....
Grandparents get to play a very special role in the lives of their grandchildren. A study by the American Sociological Association found grandparents and grandchildren have profound effects on each other’s psychological well-
You should always be able to ask as many questions as you’d like when working with your financial advisor. So, before you have your annual review, think carefully about what you’d like to ask. Here are a few suggestions: Are my goals still realistic? When you first began working with your financial advisor, you may well have articulated a number of financial goals. For example, you might have said that you wanted to pay for most of your children’s college educations, or that you wanted to….
The July 1 rollout of Kentucky HEALTH has been halted by U.S. District Judge James E. Boasberg. The changes would have eventually affected 480,000 adults, or one in three Kentuckians, by December. They would have required enrollees ages 19-
The journey through life repeats itself – for some as many as three or more times. The years tick by and your children grow up and begin their own life journeys. That gives you a chance to relive your journey with added experience and wisdom. When children leave the nest, it is natural to feel a sense of loss and uncertainty about what you will do with the rest of your life and how you will fit into their lives going forward. Successful adjustment is recognizing this is a natural course of action.
Whether to use supplements has long been debated in the world of medicine and health and wellness. Supplements are considerably different from medications in that many don’t have science and double-
Having health documents in place can assure your wishes are clear. They can save your loved ones from added anguish in the aftermath of your illness or death. Without your guidance in writing, your health care treatments and last wishes could be left up to estranged family members, doctors or even judges.
There are several types of health documents you should consider drawing up. These include:…
Sometimes, try as we may, we misspeak or even mishear things. It happens to the best of us, and most times these mishaps are not remarkable. Other times, however, they can be hilarious. Many people mishear song lyrics. There is even a Web site dedicated to misheard song lyrics – www.kissthisguy.com. The Web site’s name is an actual frequently misheard lyric from Jimi Hendrix’s “Purple Haze,” which, properly sung, is, “’Scuse me while I kiss the sky.” Lots of people heard “’Scuse me while I kiss this guy” …
Over the 40-
Looking for a great getaway vacation spot or just a place for a few days of rest and relaxation?
Whether you want a relaxing site or an adventure, you can have it all at Kentucky state parks. You don’t have to go far; there are several state parks close by, both around the Lexington area and sprinkled throughout the Commonwealth.
Fall is a great time for implementing change. There’s a fresh-
Despite our differences, one thing we all have in common is dreams.As we gently fade off into sleep for the evening, we become wrapped in a world of dreams, some pleasant, some not so much. When dreams bump up against reality, the results can be chaotic, as I have gleaned from tales of my friends and acquaintances over the years and, alas, from personal experience.
Driving can sometimes be challenging for older adults. As we age, factors such as decreased vision, impaired hearing, slowed motor reflexes and worsening health conditions can become problematic. Those who are more at risk include seniors ages 80 to 84 years and male drivers age 65 years and older.
Here are some safety tips for older drivers:
High adventures on the seas and relaxing on a cruise ship make a great vacation for singles, couples or families. Many cruise lines offer distinct ships designed for these different travelers. Multi-
If you’ve always wanted to play the piano, taking lessons as a senior adult has more benefits than you may think. Beyond the sheer joy of musical experience, there’s a good chunk of science behind the positive effects of learning to play the piano as an older adult. These advantages go beyond simple enjoyment. The health boosts and the affect on cognitive abilities are a greater incentive.
We are a small local law firm that focuses our practice on assisting elderly clients. This includes making Long-
Homemade gifts are ideal for loved ones to whom you want to give something highly customized and personal as well as for less intimate acquaintances such as neighbors and coworkers. Your gifts can be edible or decorative or wearable – whatever you wish. Here are some suggestions.
Multiple changes have been made in regulations affecting non-
You’ve probably passed it countless times while on your daily commute and wondered just what it was – that elegant white pillared building on the corner of Man o’ War Boulevard and Tates Creek Road. It’s Signature HealthCARE at Tanbark Rehab & Wellness Center, a high-
Okay, I confess. I’m one of those Hallmark Channel Christmas movie addicts who is looking forward to the time the new holiday flicks are released. I admit these are sappy, maudlin efforts at best, but they put me in the holiday spirit and make me smile. There. I’ve said it. I must say I felt better when I learned I am not alone in this guilty pleasure. Hallmark holiday movies are driving the Hallmark Channel’s ratings to new highs. The consensus is they make us feel good while real life is going to….
Bringing music to a retirement home is one of the most gratifying ways to be of service during the holiday season. Performing music for seniors has been a rewarding experience for me. Retirement residents were wonderfully appreciative audiences when I performed as a solo vocalist and pianist. Singing original compositions, the standards from the 1930 to the 1960s and familiar holiday songs evoked equal measures of joy, animation and tears from aging audiences.
A diagnosis of cancer is life changing for both the person diagnosed and those close to him or her. Not only does it cause anxiety and fear, but it also launches all of them into a whole new world of medical information and procedures. Life suddenly revolves around consultations, tests and treatments, and the outcome is uncertain. If the diagnosed person has pre-
As any senior can tell you, chronic maladies prevail as we age. This is true for many conditions, including age-
Nothing’s finer than good food shared with good people. Whether the feasts are closely coordinated or shared potluck style, each and every holiday dish is prepared to be a standout crowd pleaser. But some dishes culminate in a caloric overload laden with decadent ingredients. It’s simple to recraft recipes to be delicious and nutritious without going overboard on fats and sweeteners.
There are six living generations – fairly distinct groups of individuals with their own sets of likes, dislikes, thoughts and priorities. In a family with a centenarian and a 3-
“It is the best and easiest way to protect yourself and your family from the flu every year,” said Kevin Hall, spokesperson for the Lexington-
Over 3.2 million adults live in nursing homes and other long-
Welcome to 2019! The beginning of the year is a great time to plan for your future. If you have already done some estate planning, it is time to review your documents. Here are some tips:
1. Review Life Changes
Did you have any big changes last year?….
Sixty percent of those with Alzheimer’s disease will wander at some point during their diagnosis. This is a significant safety concern for the more than 71,000 people living with Alzheimer’s in Kentucky. A person living with Alzheimer’s or another dementia may not remember his or her name or address and can become disoriented even in familiar places. In cold temperatures and winter weather conditions, wandering can be dangerous – even life-
As we age, our chances of being hospitalized rise due to the increased likelihood of developing chronic health conditions. The good news is numerous risk factors are within our control. There are many ways we can help prevent or manage a variety of health problems, reducing our chances of complications and hospitalization. Follow these tips to preserve your well-
Lately I have come to the reluctant conclusion that either I was born in the wrong century or I have let technology outpace me. The smart phones that seemingly everyone carries around not only bedevil but repel me. Only at the urging of my wife, who bought it for me, pays the monthly bill and listens to my rants about the thing do I even have a portable phone, which I refer to as a “Stupid Phone.”
Are you thinking of having a family reunion this year? Now is a great time to start planning for a summer get together. Your family members will have plenty of time to prepare if you start getting the word out now. With Facebook and social media readily available, putting together a committee and keeping everyone in the loop about the plans is fairly easy – you could even set up your own Family Reunion Web site. And there are plenty of sources on the Web that offer checklists and tips to help your….
Seniors are increasingly independent, which is a hugely positive thing. But when you’re out and about, especially when traveling, it’s important not to leave safety by the wayside. If you’re hitting the road or taking to the sky this season for business or pleasure, remember to put safety first. Writing down and sticking to a checklist can make your trip go smoother. Keep critical phone numbers with you, such as close friends, family and doctors.
When thinking about who participates in the martial arts today, many groups are excluded. But even people who are Living Well 60+ could benefit from true, traditional martial arts to attain health and longer life.The trick with proper martial arts training is to first of all find someone who is a well-
A power of attorney (POA) is a document that allows one person to manage affairs on behalf of another individual. POAs appoint an attorney-
Voicemail is easy to set up – it’s quite similar to the old-
Basic Android Set Up. Verify that your carrier is set up as your voicemail phone number. This is the usual default except on the most basic of phones that use standalone SIM cards. ….
Today, most people can expect to live well into their 60s and beyond. By 2050, the world’s population aged 60 years and older is expected to double to nearly 2 billion people, 80 percent of whom will live in low-
Facebook is a fun, convenient way to stay in touch with friends and family. Whether they live around the corner or in a distant corner of the world, Facebook lets you keep up with their daily activity. You can also find old friends and colleagues or make new friends with shared interests. About one quarter of the world’s population is on Facebook – that’s 1.8 billion users.
In the midst of the grief and stress of losing a spouse, it is hard to think about making any big decisions and planning for the future. However, it is very important for the surviving spouse to take action for their own protection and peace of mind.
The shades are drawn at the windows. The daily newspapers are stacked outside the door unclaimed. Mildred has not ventured outside in a week. Her appetite is poor, and she picks at her food when she does eat. She is sleeping poorly, awakening early in the morning, unable to return to slumber. She is tired, listless and no longer interested in her daily activities.
A do not resuscitate order (DNR) alerts all medical personnel that you do not wish to be resuscitated in case of a medical trauma. It expresses your choice to die naturally rather than be brought back to life. Emergency medical personnel must use all available measures – no matter how invasive – to save anyone’s life except when a DNR order is in place.
Caring for a chronically ill, disabled or medically frail person can offer many rewards, but it also involves physical, psychological, emotional and financial demands. Family caregivers may experience a variety of distressing emotions, including frustration, guilt, resentment, anxiety and sadness. If you are a caregiver, here are some suggestions for keeping your spirits up in day-
One of latest and greatest passions for seniors in this country is traveling via recreational vehicle, better known as RVing. The Recreational Vehicle Industry Association defines an RV as a vehicle designed to serve as temporary living quarters for recreation, camping, travel or seasonal use.
The periods of loneliness some people experience in retirement inspired me to volunteer at a local hospital. I spend my Tuesdays visiting patients who may not have someone with whom to share their thoughts and feelings as they journey through the challenging experiences of being sick, infirm and hospitalized.
Memoirs and family histories are legacies that last generations and endure through the ages. They help both the writer and the succeeding generation of readers embrace their own identities while also giving a sense of continuum, belonging and meaning. A memoir can be cathartic and psychologically powerful for the writer. It can provide a sense of meaning by evaluating the progression of decisions and events. In the case of trauma, a memoir can help you get to a place of forgiveness.
Pneumonia is a serious disease, particularly for the aged and infirm. In the elderly population, pneumonia remains the single most common cause of death from an infectious disease. In 2010, pneumonia, combined with influenza, was the eighth leading cause of death in the United States, according to the National Center for Health Statistics. And the Centers for Disease Control and Prevention reports one out of 20 adults who get pneumonia dies from it.
Cinnamon may do much more than just making your food or beverages taste better. Cinnamon has one of the highest antioxidant levels of any spice or many other foods, for that matter. Did you know there are as many antioxidants in one teaspoon of cinnamon as there are in a full cup of pomegranate juice or a cup of blueberries? If you like cinnamon gum, you may benefit because that flavor of gum may aid in keeping your brain sharp.
Everyone at one time or another has had a good cry. Crying is a way of releasing numerous emotions – joy, fear, sadness, relief, pain. Do you ever think about tears – what they’re made of or how they work to protect your eyes? There is more to tears than meets the eye. Tears contain proteins and other substances that maintain eye health and combat infection. They help keep the eyeball moist. Each time we blink, we distribute fresh tears across the eyes.
Unfortunately, allergens, poor air quality, intense heat or humidity, rain and thunderstorms can keep us indoors more often than we like. Here are some suggestions for warding off cabin fever when the weather is less than favorable.
The American Automobile Club (more familiarly known as AAA) offers more than just towing services, especially for older drivers. One of AAA’s goals is to keep seniors driving for as long as safely possible. The organization provides transportation options for seniors who are not comfortable driving and also gives them an opportunity to get a professional driving assessment. An occupational therapist who is a driving rehabilitation specialist will point out physical or….
Whether you are looking for information about basic estate planning or something more complex such as Medicaid qualification, there is a lot out there. Beware! The most common piece of advice we give is along the lines of: Every situation is different. Every family dynamic is different. Just because Google/your neighbor/your son/ your CPA said you should do this or that does not mean you should!
A crown is commonly used when a tooth is badly damaged or decayed and a filling will not restore it. It is custom made to fit over the entire tooth. Crowns can also be used to protect a tooth after a root canal; anchor and attach a bridge; strengthen a fractured, worn or cracked tooth; or cover a dental implant. Both adults and children can be fitted for and benefit from crowns.
Breakfast, the first meal of the day, is also the most important meal of the day. It helps provide an initial boost of energy. Eating breakfast is associated with a reduced risk of becoming overweight or obese and a reduction in the body mass index of children and adolescents. As you age, breakfast becomes even more important for maintaining good health.
Americans are living longer than ever before, with a life expectancy approaching the mid to late 70s. The U.S. Census Bureau (2019) reports about 27 million Americans are living well into their 70s. And this population group, along with others, is showing increased rates of obesity.
The holidays are a great time to enjoy visits with your loved ones. It’s also the perfect time to check in on your senior friends and relatives. Unfortunately, age-
Many people are filled with joyful anticipation and festive good cheer right now. But some are apprehensive and may also experience heightened feelings of loneliness as Christmas approaches. This type of reaction is commonly referred to as the holiday blues. Older adults are particularly susceptible because they’re more likely to experience losses, such as a spouse or other companion, a long-
Many people are filled with joyful anticipation and festive good cheer right now. But some are apprehensive and may also experience heightened feelings of loneliness as Christmas approaches. This type of reaction is commonly referred to as the holiday blues. Older adults are particularly susceptible because they’re more likely to experience losses, such as a spouse or other companion, a long-
Where do you keep your important papers – your will, your power of attorney, advance medical directives? In a shoebox under your bed? Perhaps you should consider renting a safety deposit box.
Banks offer safety deposit boxes for customers who want to safeguard personal documents such as birth certificates, stock and bond certificates, insurance policies….
Are you tired of all those excess pounds and want to lose weight? There are numerous commercial weight-
In the 1940s and ’50s, steam locomotives were part of America’s culture. I remember hearing trains coming through the city with their whistles and bells clanging. Now as a senior, my friends and I often revisit memories of those days. Senior travel options today allow us to relive those days through rail tours.
More and more older people are now returning to school than any other time in history. Longer lifespans with good health, career advancement, a career change and the desire to learn are just a few factors for this phenomenon. Of the 21 million people enrolled in a post-
When you think of stress and anxiety, what comes to mind? Adding on pounds, a racing mind, bad complexion, upset stomach and more. But how often do you think about where the stress is actually coming from? I’m not talking about your long to-
President Trump signed the SECURE Act into law in late December 2019 as part of the government’s spending bill. SECURE stands for “Setting Every Community Up for Retirement Enhancement”. The act, effective January 1, 2020, is intended to strengthen retirement security for those workers who do not have access to workplace retirement accounts.
A diagnosis of Alzheimer’s disease is life-
Like it or not, with age comes some level of difficulty in handling the world around us. Even if our disability is temporary, such as during recovery from a knee replacement, it’s nice to know there are some nifty tools out there that can help us perform tasks easily. Everybody’s seen the reacher/grabber device. But did you know they now come with magnets, suction cups, sticky pads or claws on the ends? They telescope and fold, are available in a variety of colors and even have….
Researchers at the University of Maryland have found adults with mild cognitive impairment improved their brain function by adding exercise for brain fitness. Dr. Carson Smith, a professor in the Department of Kinesiology at the University of Maryland School of Public Health in College Park, said, “We found after 12 weeks of being on a moderate exercise program, study participants improved their neural efficiency.”
The U.S. Census Bureau (2019) reports about 27 million Americans are Living Well into their 70s. And this population group is showing increased rates of obesity. Obesity has become one of the most significant health problems, affecting more than one third of the global population. The elderly population is not immune to the proportional increase in obesity. The prevalence of obesity rises progressively in this age group. Efforts to better manage this condition have led some….
Dating can be complicated at any age. It’s all about finding a partner you like AND trust and with whom you possibly want to create a future. There are traditional ways of meeting people such as through interest groups, churches and community organizations. There are also the newly popular Internet and online dating applications. With these, you don’t even have to leave the comfort of your home to find your match.
As we move on in years, transitions or shifts must be taken. With impending joint replacement, my wife went looking for a one-
Cooperative (co-
It’s important to know your rights when dealing with debt collectors through the federal Fair Debt Collection Practices Act (FDCPA). The FDCPA covers credit card debt, auto loans, medical bills, student loans, mortgages and other household debts but it does not cover business debts, according to the Federal Trade Commission (FTC).
With the help of the Internet, seniors can find matches from the comfort of their own homes. The trend of online dating spans across all age groups. It can be a successful venture as long as both people are open-
Responsibilities of family caregivers typically include chauffeuring, shopping, running errands, paying bills, coordinating medical and other appointments, yard work, home maintenance, housekeeping, preparing meals, managing medication and assisting with personal care. It’s easy to become overwhelmed by all the demands. There doesn’t seem to be enough hours in the day for a caregiver to get everything done, let alone spend time with other important people (such as a spouse) or devote time to self-
Ladies, take your time enjoying that cup of coffee. It may be working in your favor. Researchers at the University of Wisconsin found in a large group of older women, those who consumed higher amounts of caffeine had lower rates of dementia than women who consumed lower amounts over as many as 10 years of follow-
In the past, people were hunters, farmers and gatherers. They were used to looking over far distances to seek prey and other possible sources of food. But now we live in a two-
Many married couples are unaware of an important element of asset preservation when faced with long-
As we advance in age, there’s a good chance that eventually our home will no longer suit our lifestyle and our needs. Common reasons for relocating include simplifying home ownership responsibilities, reducing living expenses, maximizing accessibility and safety and increasing personal security, community access or opportunities for activities and socializing.
With aging, the sense of thirst can diminish. Also, some medications make it important to take in plenty of fluids. An extra glass or two of water throughout the day will help maintain hydration. Try adding frozen grapes or cherries, slices of citrus fruit or cucumbers and mint to your water for a refreshing twist. Unsweetened teas, broth-
With aging comes several unexpected life challenges. Among them is the onset of various forms of joint pain and irritation. Arthritis is an inflammation of the joints. It can affect one or multiple joints. There are different types of arthritis. Two of the most common are osteoarthritis and rheumatoid arthritis.
Coronaviruses are a large family of viruses. Some cause illness in people while others only infect animals. Rarely, animal coronaviruses infect and can spread between people. This is what was suspected to have occurred with the virus that causes COVID-
There are more than 100 types of arthritis and related conditions that affect individuals of all ages. Arthritis is the leading cause of disability in the United States: More than 50 million adults and 300,000 children have some type of arthritis, according the Arthritis Foundation. Two of the most prevalent types of arthritis are rheumatoid arthritis (RA) and osteoarthritis (OA). Swelling, pain and stiffness are common complaints with both.
It’s a new phrase for most of us: social distancing. As the coronavirus pandemic widens, health officials have been advocating social distancing as the best way to prevent the spread of COVID-
From the onset, experts warned senior adults age 65 years and older are at higher risk for contacting COVID-
If we have learned anything during the COVID-
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their home and one car; and John has $80,000 in a non-
The Wrong Way for Judy to qualify for Medicaid is to spend down all their assets until they have only $2,000 in family assets. While she will certainly qualify when the application is made, John will be without assets he could have retained.
The Right Way for Judy to qualify is to get a Resource Assessment as soon as she goes into the nursing home. The Medicaid caseworker will tally up the countable assets, which, in this case, is only the $80,000 account (because in the state of Kentucky retirement accounts are exempt assets). Next the caseworker will divide the assets in half. Judy gets $40,000 in her “bucket.” John gets $40,000 in his “bucket.” The home and the car are exempt for the community spouse. John and Judy’s spend-
Tips for Your Resource Assessment:
- Clean up extraneous bank accounts. Think about closing or consolidating accounts you no longer use.
- After a nursing home placement, the community spouse’s income should be deposited into a separate checking account in his or her name alone. The institutionalized spouse’s income should continue to be deposited into a checking account owned jointly with the community spouse. The joint account should be used for the institutionalized spouse alone. Any allocation of income from the institutionalized spouse to the community spouse should be transferred to the community spouse’s account before being spent for the community spouse.
- After the Resource Assessment, consider moving the spend-
down funds to a separate account and spending them from that account. When the account has been depleted, it is time to make the Medicaid application if the patient is in a Medicaid- designated bed. - Keep all your bank records and purchase receipts and be prepared to trace all your fund transfers.
- The Medicaid worker should give you or your representative the Resource Assessment with the spend-
down amount. (This form is PA- 22.) Do not leave the office without it because the Medicaid office will not retain a copy for you.
Interactions with the Medicaid Office can be overwhelming. If you want to know more or need help, contact a qualified elder law attorney.
*All information in this article refers to Long Term Care Medicaid in Kentucky. Rules and regulations vary by state.
Many married couples are unaware of an important element of asset preservation when faced with long-
The inspiration for this article came from a recent trip one of our staff members took to the Medicaid office. She was waiting to speak to a caseworker and began to chat with a client who had spent down all of his parents’ assets – more than $100,000 – in order to reach a balance of $2,000 so his father could be Medicaid eligible. She came to my office afterwards, heartbroken for the man and his family. They never knew about or obtained a Resource Assessment from the Medicaid office.
The failure to have a proper Resource Assessment in a timely manner can cost couples thousands and even hundreds of thousands of dollars. The community spouse is entitled to keep a portion of the family assets and the Medicaid office establishes that amount at the time of the Resource Assessment. Dur-
CAROLYN L. KENTON & KATIE E. FINNELL
Bluegrass Elderlaw, PLLC Mar/Apr 2020
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THE UNKNOWN STEP TO SAVING MONEY FOR MARRIED COUPLES ON THE WAY TO MEDICAID
(or a minimum of $25,728 up to $128,640). At that time, the caseworker will deter-
The Resource Assessment operates as a snapshot of the assets owned by a married couple. A delay in obtaining the assessment will reduce the amount of assets available to be set aside for the community spouse. It is better to obtain the Resource Assessment sooner rather than later (within the first couple of months of institutional placement) when assets are higher rather than lower – yes, you want to walk into the Medicaid office for your Resource Assessment owning more assets rather than fewer! The patient usually is not eligible for Medicaid at the time of the assessment, which makes the assessment even more important. It may not make sense until you see how it works.
Here is an example: Judy and John, a long-
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Katherine E. Finnell
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