Q: I hate Alzheimer’s disease, not only has it robbed me of my husband, but it has taken my life too! I feel like all of my friends have disappeared. I am lonely, and that makes me feel guilty. Help!

A: What you are describing is very typical for caregivers. No one seems to understand! Your world seems to get smaller and smaller as you care for your loved one.

In order for you to continue caring for your husband you need to get some rest and take care of yourself, and more importantly reach out to others. I know, I know easier said than done.

There are many options for you. The key is to pick something and do it.

Do something for yourself. It is very easy to give all of your attention to the person whom you are providing care for and neglect your needs.

1. Get a manicure

2. Go see a movie

3. Go for a walk alone

4. Try to take a nap, when your loved one is sleeping. Even though it takes up time you have to get other things done.

5. Buy yourself a magazine

6. Take a bubble bath

7. Go to a spa

If you are lonely you should avoid isolating yourself. Perhaps your friends have left because they didn’t know what to do to help, simply because you didn’t ask them. If you feel uncomfortable asking for support start with small things and work up to bigger ones.

1. Try inviting a friend to coffee or tea

2. Ask a friend to stay for an hour while you take a bath, read a magazine, or go for a walk alone.

3. Call a local senior daycare program and arrange for your loved one to go there once a week. There are programs available in almost every city.

4. Contact a local Alzheimer’s support group in your area. These people do know what you are going through.

If you are truly burnt out and at the end of your rope, you should check into long term care for your husband. If you cannot continue to give him quality care, or if your health is deteriorating you may need to look at some alternatives.

Renee “Dutchy” Reeves is an Elder Care Consultant with over 10 years of working with the elderly and their families. Her online advice column, “Ask Dutchy” provides practical ideas and advice for assisting the elderly with Alzheimer’s disease, Dementia, Parkinson’s, disability, and those needing long term care.

Buying second hand stair lifts is a viable and cost effective alternative to purchasing a brand new stair lift. Most stair lifts can be purchased new or second hand.

Second hand stair lifts should be every bit as reliable as a brand new lift and most reputable firms will offer the same 12 month guarantee.

The life expectancy of a stair lift should be in excess of 10 years, however, anything much older than this and it is probably not worth using anymore. Stair lift suppliers generally stop making spare parts for the lifts after about 10 years.

Straight stair lifts can usually be adapted to fit another staircase because the stair lift rail can be cut to suit the length of the stair. This means that you can use a second hand rail and motor.

Curved staircases will need a new stair lift rail to be manufactured as it essential to have a rail that is made to measure. It is important that the rail is tight to the stairs and does not cause obstruction to others. A second hand motor and chair can still be used.

If you order a curved rail second hand stair lift, make sure that it is a brand new rail that you are getting. Some companies re-manufacture old pieces of rail to try and get them to fit on a new stair case. Most experts agree that this is not a safe practice. A re-manufactured rail or reconditioned rail will not conform to British Safety Standards. If you are in doubt ask to see a copy of the manufacturers drawing.

Christian Dunnage is a director of Dolphin Mobility Ltd, a UK based independent supplier of stair lifts and mobility products http://www.dolphinlifts.co.uk and author of http://www.stairlift.co.uk an impartial online guide to having a stair lift in your home.

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. Important factors to consider when choosing a wheelchair is the type of terrain and the general weather conditions with which you have to cope. There are wheelchair accessories as well as wheelchair ramps and lifts that will make life easier and more convenient if you experience life on wheels, permanently or temporarily.

The two broad categories of wheelchairs are manual chairs, powered by the users, and electric wheelchairs, powered by batteries. If you have reasonable upper body strength, you will probably be happy with a manual wheelchair, and it is only a matter of choosing one that fits you both physically and in terms of your lifestyle.

A Manual Wheelchair Is Lightweight and Easy to Transport

If you can propel a wheelchair with your arms, a manual chair is the least expensive chair, has no batteries to recharge, and the fact that it is lightweight makes traveling with it and transporting it relatively easy.

1. The standard manual wheelchair has fixed armrests, and footrests that are fixed but can be adjusted up and down. These chairs are built of steel, chrome, or aluminum, and the material used affects both the weight and price of the chair.

2. The detachable manual wheelchair has detachable armrests or footrests or both, and is especially appropriate if you cannot bear weight on your legs.

3. An orthopedic wheelchair is a good choice if you have hip or knee problems because it has a number of elevation footrests, allowing the legs to rest in various raised positions.

4. A reclining wheelchair with its reclining backrest is useful if you have difficulty in sitting upright or need to lie down frequently.

5. A wheelchair appropriate for a child must be suitable for the school environment and social setting of the child, and, if it is for long-term use, must be able to “grow” with the child. This means that it is not only important to find one with removable armrests and footrests, but also one that allows you to replace the crossbrace and the front frame sections.

6. Lightweight chairs vary in weight from twelve pounds to forty-five pounds and were originally designed for wheelchair sports. Today, they have become popular for everyday use because of their cool look and the ease of transporting them.

7. Specialty chairs are built for people who need very large chairs or chairs that can support extra weight, or for people who can propel the chair with only one arm, or whose center of gravity is less common because of leg amputations. There are chairs designed especially for patient in nursing homes; chairs that can be operated by programmable joysticks, head controls, or are voice activated; and chairs for indoor use only. No matter what your special needs are, you can find a chair that is right for you.

A Power Wheelchair is Great if You Need an External Power Source

If you have limited strength in your arms, an electric wheelchair will supply that power for you. Power wheelchairs use either gel cell or wet cell batteries that require regular recharging, and there are several different styles of chair depending on where the battery is mounted. It can be under or behind the seat, on a pedestal mounted on a power platform, within a round platform with the seat fixed to it, or as power-pack attachments, allowing a manual chair to be converted to a power chair. There are also electric scooters for anyone whose difficulty is limited walking and standing ability.

A power wheelchair have a number of disadvantages compared to manual. They are bigger, heavier, and bulkier than manual chairs, and certainly more expensive. They are also difficult and expensive to transport and require regular battery recharging. The advantages, however, far outweigh the disadvantages when they contribute to your well-being. Power chairs are easy to propel and preserve the user’s strength and energy for other activities. They also reduce the pain and wear and tear on arms and shoulders from daily use. Power chairs permit continued activity and quality of life even if there is a decline in your body’s function. Not only that, but they have become sportier looking (e.g., like the Jazzy power wheelchair), and are no longer as big and bulky as they once were. As well, some models can be folded or disassembled for ease of transport. Check out the recent changes in power chairs.

To reduce the cost, powered wheelchairs can be purchased secondhand, but remember that a used wheelchair doesn’t have a transferable warranty from the manufacturer and the price should reflect that fact. If you have a disability, you can often receive assistance in purchasing a needed wheelchair through various charitable organizations, or can have part of the cost covered by your medical insurance. Make your needs known.

Good Wheelchair Accessories Make a Huge Difference in Comfort and Convenience

A good cushion for your wheelchair turns an uncomfortable or acceptable chair into a great chair. The cushion must assist the user in maintaining correct posture to help prevent pressure sores, and allow for good respiration and circulation. There are three main types of cushions:

1. Air floatation cushions are light and waterproof, but are subject to punctures and leaks, and the air pressure has to be checked regularly.

2. Foam cushions are lightweight and inexpensive and available in a range of densities. Unfortunately, they wear out faster than the other two styles and will lose their shape over time.

3. Gel cushions are heavier than the other two styles but are very comfortable. Make sure, however, that you don’t buy a product that allows the gel to shift out to the sides, which will cause the cushion to lose its shape.

Other accessories for comfort and convenience are mounting systems to hold communication devices and laptop computers, and restraint systems for securing a wheelchair in a car or van. There are also support aids to assist people to sit upright, to prevent slipping from side to side, and to support the head. Also available are gloves, seat covers, and arm, elbow, and leg pads. There are wheelchair locks and covers as well as car hand-controls and driving controls.

Wheelchair ramps, hoists and lifts allow wheelchair access to buildings that have not been constructed for wheelchair use, and there are automotive lifts and ramps for cars and vans. There are permanent, semi-permanent (using bolts), and portable ramps, and they operate electrically or with hydraulic systems.

You can find information about wheelchairs of every type and style, both new and used, on the Internet. There is a wonderful selection of wheelchair accessories, replacement parts and batteries, exercise equipment, and wheelchair lifts, ramps, and even plans for anyone willing and capable of building a wheelchair ramp. Shop, compare, and order with confidence online. On the Internet, you can find the wheels you need and the means to travel in comfort. Your wheelchair should liberate you; make sure you find one that does.

Scott Gray is currently freelance writing and enjoys providing information and moneysaving tips to consumers who are in the market for a wheelchair, wheelchair ramps, or wheelchair accessories.

Retiring abroad needs careful planning. Not all countries have the same entitlement to benefits as the UK and your tax liability may be affected.
UK nationals have the right to retire in any European Economic Area (EEA) country. If you intend to move to any other country, you should speak first to the British Consul in that country and its foreign consulate here in the UK.

If you are planning to retire abroad, here are some things to consider:
Calculate your retirement income.

Contact the Retirement Pension Forecasting and Advice Unit (RPFA) for a state pension forecast. If you are living abroad then the Inland Revenue can help. Entitlements can vary according to the country of residence Ask the Inland Revenue for information about tax liability on any income over the UK personal allowance. The amount of UK tax you will have to pay from abroad can vary depending on where you decide to live. Seek independent tax advice about any benefits to you held in offshore banking, as this could reduce your tax liability depending on where you plan to live.

Find out about welfare rights abroad.

Some UK benefits are not payable outside the UK, others apply only in the EU or in countries which have agreements with the UK Inform your social security office or Jobcentre Plus, the Inland Revenue National Insurance Contributions Office (International Services) and the Department for Work and Pensions when you move and provide your contact details abroad. You should also tell them if you change address again or return to the UK Find out about health care costs in the country you want to retire to. The Department for Work and Pensions will be able to advice on your rights in EU countries.

Taking care of your health, the most important aspect of preparing to live abroad

Health Care Abroad: There is nothing more important than your health so it is essential that you plan for any eventualities that may occur whilst living abroad. The UK government strongly advises that you take out health insurance to cover private medical and dental treatment, as well as medical repatriation.

Keeping your home in the UK

If you are decide to keep your property in the UK and it is going to be empty or rented out, you will need to let your local council know, and you will also need to look at how the property can be kept secure while you are away.

Contact your local council. The council tax department and the electoral registration unit will need to know when you are planning to move and a forwarding address

The Bills

Notify your utility companies that you are moving in order to get your final bills and provide a forwarding address for them to send you any outstanding payments or refunds tell your bank, building society or any financial institution that you have a policy or agreement with that you are moving abroad have your mail forwarded by asking for a redirection form from the Post Office.

Nicholas Marr
Marr Internatioanl Ltd
Finding your overseas property is just one step away
http://www.homesgofast.com

Don’t think you need it? Consider this: a full 50% of Americans over the age of 50 will need long term care at some point in their lives. The average cost of nursing facility care (or home health care assistance) is $61,000 per year, and the average stay in a long term care facility is 2½ years. Can you think of a faster way to decimate your nest egg?

Or look at it this way: you would never go without homeowner’s insurance, would you—even though the chance of a house fire is just one in 1,200. Yet according to a recent study, if you are age 65 or over, you are ten times more likely to find yourself in a nursing home this year as you are to have your house burn down.

So if haven’t looked into Long Term Care Insurance—or LTCI—now is the time. Become an educated consumer. Find out how it works and what it covers, so you can determine if it is right for you. This overview will get you started.

What Exactly Is Long Term Care?

Long term care is the assistance you may need if you become unable to care for yourself because of prolonged illness or disability.

Generally, a person becomes eligible for LTCI benefits when he or she is unable to perform any two of six “Activities of Daily Living” (bathing, eating, dressing, toileting, continence, and transferring—say from a bed to a chair). People with Alzheimer’s disease or severe cognitive impairment are also eligible and those who receive doctor-certification that they require care for at least 90 days.

LTCI provides coverage for such care, whether received in a nursing home or in your own home. In fact, one of the advantages of LTCI is that it allows you to make your own healthcare choices—such as electing in-home care that permits you to remain at home.

No, Medicare Doesn’t Cover It!

One of the myths of long term care is that Medicare will foot the bill. But Medicare pays for just a very small percentage of nursing home care, and eligibility is very restrictive. (For a nursing home stay, Medicare requires that you must be hospitalized for at least three days and must receive skilled care daily. In addition, you must enter a Medicare-approved facility and stay in a Medicare-approved bed.)

Here’s how it works: Medicare covers all eligible expenses for the first 20 days. For days 21-100, you first pay a co-payment as of 2005 is $114.00 per day; Medicare pays the difference. After 100 days, Medicare ceases to pay altogether.

In other words, Medicare is designed to cover short term recuperative care. But for most long term care patients, the average period of care exceeds 900 days. And unless you are impoverished and qualify for Medicaid (public aid), you are responsible for those staggering bills. That’s where LTCI comes in.

What’s the Best Time to Buy?

The best time to buy, quite simply, is now. The younger and healthier you are, the more insurable you’ll be—and the lower your premiums. Already in your 70s? If you’re in fair health, chances are you’ll be able to obtain coverage. You won’t know unless you ask, so by all means ask.

Here’s a good thing to know: once your policy is in effect, premiums never increase due to changes in your age or health. Premiums remain level unless your insurance carrier raises premiums for an entire class of policyholders in your state. Most policies are guaranteed renewable, which means that the company cannot cancel the policy or reduce benefits regardless of age.

Another excellent reason to buy right now: you’ll have the protection in case you need it.

What Should I Look for in a Policy?

Believe it or not, LTCI has been around for more than 30 years. During that time, policies have evolved to become quite sophisticated. As a result, there are a number of plan design features you’ll need to consider when evaluating a plan:

Coverage: A good LTCI plan includes coverage for nursing facility care, home care, adult day care, assisted living facility care, hospice care, and homemaker or companion services. In addition, the plan should cover your pre-existing conditions and offer complimentary care management and consultation, which can be invaluable in mapping the course of care.

Daily Benefits: LTCI benefits range from $100-$500 a day. Your choice should be driven by the cost of living in your area. Find out the actual long term care costs in your region, and use that knowledge to determine your benefit. (Your insurance agent should be able to provide this information.) And don’t forget to consider inflation! Will the benefit you choose today be viable ten years from now? Because healthcare costs are rising faster than the cost of living, you may wish to purchase an optional inflation rider, which automatically increases your daily benefit at regular intervals.

Benefit Duration: Most LTCI carriers offer a choice of two, three, four or five year benefit durations, as well as an unlimited duration. The longer the benefit duration, the higher the premiums. Consider your age, health, and budget when choosing a benefit duration.

Insurance Carrier: Don’t be tempted to save a few dollars by purchasing coverage from an unknown quantity. When evaluating insurance carriers, ask for their industry ratings. Rating services such as Standard and Poors and A.M. Best evaluate insurance carriers based on their financial condition and claims paying ability. A strong, solid company will be eager to provide you with its current ratings. A number of solid, reputable insurance carriers—such as Met Life, Genworth, Prudential, John Hancock, and others—offer LTCI. Trust your instincts.

How Much Will LTCI Cost?

Premiums vary according to your age, health, and plan design.

How Do I Get LTCI?

LTCI is available on both an individual and group basis. If you are working, ask your employer if your company offers a plan. If not, ask if your spouse, children or even your children’s spouses can obtain LTCI at work. Group LTCI coverage is often available to extended family members.

Otherwise, find an independent agent who specializes in LTCI. An independent agent represents multiple top-rated companies, so he or she can find the most competitive plans. In addition, a knowledgeable agent will be able to answer your questions and help design the right plan for you.

Protect your nest egg—and your healthcare options. For seniors with an eye on the future, Long Term Care Insurance makes more sense than ever.

Murray Gordon is the president of MAGA Limited, a long term care insurance agency in Deerfield, IL, http://www.magaltc.com. Contact: Lekas & Levine PR, Joannepr@aol.com.

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. Nearly 25% of U.S. households are now involved in caring for a senior family member, spending an average of 20 hours a week in caregiving services. Nearly 65% of those individuals providing the caregiving are employed outside of the home. According to the National Alliance for Caregiving, approximately 15 million days of work per year are lost due to these circumstances. These numbers are forecasted to increase since the longevity of life is being extended by modern medicine.

The workforce is also aging with more people moving toward retirement age and fewer young people filling the ranks. The median age of workers has risen by five years since 1986, making the average worker 40 years old. Women in this age group, who are primarily the caregivers for their parents, continue working full time in order to support their family, pay their children’s college tuition, or save for their own retirement. These situations are even more compounded because many baby boomers have relocated away from their senior family members to pursue job opportunities.

Another issue facing baby boomers and their families is the cost of care for their senior family members. Many members of the sandwich generation will be shocked to find out what the cost of prescription medications really run, especially since many of the medications are not covered by Medicare. This will cause many retired seniors and some baby boomers to continue their pursuit of a career, and not enjoy their Golden Years.

When faced with these issues, it is always best to have some future plan in place. Do not wait until mom or dad is in the critical care bed or is being discharged from the hospital. Here are a few suggestions for the potential or current caregiver to contemplate:

1. Talk to your parents and/or family members before a crisis. This will help you and all those involved to truly understand their wishes. Discuss with them the topics of Medicare, health insurance, long-term care insurance, and if they have other important legal documents regarding medical treatment (i.e., Living Will, Durable Medical Power of Attorney, etc…).

2. Locate any community resources that may be available to you and your family. The Valley of the Sun has numerous services available for the elderly (i.e. Area Agency on Aging, Meals on Wheels, Adult Day Care Facilities, Housing, etc…). You can access many of these services via the local hospital or skilled nursing facility discharge planners, senior citizen centers, or even the local clergy.

3. Ask your employer if they can help. Many employers are willing to help employee caregivers in order to retain valuable workers. Find out if your employer offers paid leave benefits for flex hours. Some employees are even beginning to include long-term care insurance or caregiver respite programs in their benefit package.

4. Ask friends and family for help. Ask them what experiences they have had with some of the community services. Many of these people may have already gone through this and can be of assistance.

5. Talk to your local clergy. Many local churches and synagogues have family assistance programs or have access via their denominations. If these services are not available, most clergy are familiar with what can be obtained by you or your family.

Caring for our aging parents may be one of the more challenging roles we undertake in our adult lives. With forethought, consideration and a little planning on everyone’s part, it can actually have a more positive outcome.

Hearts of Joy Senior Care provides an affordable, non-medical, in-home companion care service for seniors, which enables them to maintain their independence, as well as dignity and self-respect. Marc and Susan speak around the valley on numerous topics regarding senior care, with a primary focus on fall prevention and home safety. Hearts of Joy Senior Care Inc. can be reached at (480) 948-4655.

Wheelchairs come in every shape and size with sufficient options that you can find the wheels you like to take you where you want to go with the assistance you need. To enhance the comfort and convenience of your journey, choose accessories tailored to provide the best support for your activities and your health concerns.

A manual powered wheelchair is a good choice if you have reasonable upper body strength, but electric wheelchairs are preferred by people with upper body impairments. A manual chair could be suitable for years, but increasing age, pain, or fatigue might make it clear that it is time to switch to a motorized chair and save the wear and tear on your body. If you are an active sportsperson, you’ll want a lightweight manual; if you live in an area with rough terrain, you’ll need wheels and tires that are up to the job. For people whose problem is simply limited ability to walk or stand for long periods of time, motorized scooters are probably the preferred choice. Once you have considered your needs and made your chair selection, check out the wonderful choice of wheelchair accessories that can change your ride from good to great.

The Perfect Cushion is a Necessity not a Luxury

A good seat cushion for your chair is too important to be considered a luxury item and you should find one that fits your requirements exactly. A good cushion can save you not only from pressure sores but also from the incorrect posture that can generate a variety of back and neck problems. If you have a neuromuscular disease, respiration, circulation and swallowing are also concerns that need to be addressed by correct posture, which means being supported by a good cushion.

1. Foam cushions are the least expensive, are lightweight, and are available in a variety of densities. You can also cut and trim them if pressure problems develop. They will, however, lose their shape eventually, which, in itself, can create pressure problems.

2. Air floatation cushions will give you even pressure distribution and some models can be inflated to the exact height needed. You can purchase them as single-chamber cushions or dual-chamber cushions that allow the sides to be at different heights. They are lightweight and waterproof, but can, however, develop leaks or punctures. The pressure should be checked regularly.

3. Gel cushions are particularly comfortable and distribute pressure very evenly. They are heavier than foam or air, however, and it is important to check these products to make sure the design you are considering will not allow the gel to push out to the sides and cause the cushion to lose its shape.

A Wheelchair Ramp Gets You to Where You Want to Be

We’ve come a long way, baby, from the days when it was difficult or impossible for wheelchair riders to gain entrance to most public buildings. There are now ramps, enlarged doorways, at least one large stall in most public restrooms, and areas in the parking lot designated for handicap parking. There are older buildings, however, that have not yet made accommodation for mobile chairs, and, of course, most private homes are difficult to access with a wheelchair. You will need to travel by car or van on occasion, which means you need some kind of ramp, lift, or hoist to use with the vehicle, and a lift in the home may be necessary for a wheelchair user to access an upper floor. Fortunately, there is a wide range of new and used lifts, ramps and hoists, and you should be able to find a suitable product among the many wheelchair accessories available for any situation you encounter.

The term “permanent wheelchair ramp” is self-explanatory; “semi-permanent” means that it is assembled using bolts, which, of course, can be loosened so that the ramp can be moved and used elsewhere. A portable ramp can be folded or rolled up and will have some kind of carrying case – one model has suitcase handles. Ramps can have such safety refinements as side rails and non-skid tracks. You can select portable ramps that are suitable for use with thresholds only or for use with minivans. Van ramps are less expensive than lifts, fold in half, and are stored vertically.

Wheelchair lifts will have either electrical or hydraulic operating systems. Hydraulic lifts have the advantage of working even when there is a power outage, and they will provide a smooth and fluid ride. Electric lifts are cheaper, are quiet and comfortable, and can be fitted with automatic door openers and even telephone jacks. Make sure you choose one that has a battery for use in case of emergency. Stair lifts are very convenient and popular for home use and for accessing ordinary cars, and are easy for one person to operate. Automotive lifts can be quickly assembled and taken apart.

Other Wheelchair Accessories Provide Additional Comfort and Convenience

Wheelchairs provide independence and mobility, and, with the right wheelchair accessories, will maximize comfort, convenience, safety, and quality of life. These items might include:

1. Mounting systems for communication devices and laptop computers

2. Restraint systems for securing your chair in order to transport it in a car or a van

3. Adjustable hand controls and driving controls

4. Support aids:

* to help in sitting upright

* to prevent slipping from side to side

* to support the head

* to elevate the legs

5. Wheelchair locks and covers

6. Protective pads for arms, elbows and legs, and gloves for the hands and cushions for the back

7. Voice activated wheelchair controls

Take Advantage of Easy Online Shopping

Compare costs and find the best price for the right product online. Whether you need a wheelchair ramp and accessories, or equipment for adapting your chair for growth or loss of body strength or mobility, the Internet can be your best source of product information and cost comparison. Technology is always changing, and there are new products available to make your life easier every year, no matter what medical problems you have. Order replacement parts for your chair, such as batteries, tires, and wheels, as well as new or old and familiar products with confidence from the convenience of your home. We can help keep you independent and on the move with wheelchair accessories that are just right for you.

About the Author
Scott Gray is currently freelance writing and enjoys providing information and moneysaving tips to consumers who are in the market for a wheelchair, power wheelchairs, or looking for more information about wheelchair accessories.

Good news! You no longer have to risk chance when it comes to selecting a reputable elder care service for yourself or for a loved one. Senior Approved Services has certified a select number of businesses in our area serving the elderly and disabled populations.

Senior Approved Services was founded as a method to actively advocate for the right of all seniors to receive excellent quality care and most importantly, remain safe in the receiving of that care. Rather than report and warn senior citizens of known unsafe services (products and resources), they take the positive approach of highlighting businesses that are willing to prove that they deliver what is promised.

“No one should have to risk the safety of their loved ones when it comes to selecting a service,” states founder and president of Senior Approved Services, Barbara Mascio, a devoted advocate for seniors.

Families that want to secure an in home care service, an elder-law attorney, financial planners, long-term care health insurance representatives, bill-paying services, general handyman and cleaning services, adult group homes, adult day services, assisted living facilities, specialized Alzheimer’s and dementia care services, self-help books, health care directives and living will services, alternative healing practices (including stop smoking programs), elder mediation, home medical equipment, and so forth – can now select the best of the best through the exclusive network of Certified Senior Approved Services.

Seniors and those searching for verified excellent services access this valuable program free of charge by visiting www.seniorsapprove.com or by phoning 216-883-3163 during business hours.

Businesses that offer a product, resource or service for the senior citizen (or those with disabilities) may apply for certification. It is proof that they indeed put the client first. “We’re responding to three years of research and focus group studies,” offers Barbara, referring to results that clearly show the consumer of elder care services wants an unbiased third-party entity to verify the history of care and service.

In the last twelve months alone, Senior Approved Services has received nearly 3,000 inquiries from families that have asked to be connected with a Certified Senior Approved Service. “I only hope that other business owners serving this precious population will respond and request certification so that we may continue helping seniors avoid services that are known to be less than desirable,” affirms Barbara Mascio.

Businesses may request Senior Approved Certification by first visiting www.qualityeldercare.com/seniors

Senior Approved Services advocates for the right of all seniors to receive excellent care and most importantly, remain safe in the receiving of that care. We are building a national network of products, resources and services endorsed by seniors and their families.

It’s not a surprise that thousands of families across the nation are facing the challlenges of an aging population. The “sandwich” generation, those who are caring for their children as well as their parents, have been feeling the financial pinch of caring for loved ones. Paying the high cost of Elder Care can cost a family thousands of dollars a month. Too many families are unaware of how utilizing a loved one’s life insurance policy can not only pay for Assisted Living and Nursing Home care, but can maintain the standards of living for the remaining spouse.

Not too many financial specialist inform their clients who have purchased life insurance policies with a death benefit over $250,000 that they can utilize a somewhat unknown option on their life insurance to pay for the high cost of Elder Care. It is called a Life Settlement and it can fully take the financial burden off of families who struggle to keep their loved one in a quality facility.

A policy owner has the right to sell his or her life insurance policy to an institution for signifantly more than the cash value of the policy. For example, a life insurance policy with a $500,000 death benefit and a $75,000 cash value can be purchased for $250,000 and up. This money can be used now to pay for assisted living, nursing homes as well as in home services also. The procedure is relatively quick with minimal paperwork.
It is senseless to struggle financially to pay for the needs of elderly loved ones when they can utilize their life insurance policy to pay for care. Many, many times life insurance policies lapse when a loved one goes into assisted living or a nursing home just out of financial neccessity as well as through medicaid planning.

Instead of letting a policy lapse or into surrendership, smart families are looking into life settlements as a funding source for the high expense of Elder Care.

Chuck Bongiovanni, M.S.W. has been helping seniors and their fanmilies for over 20 years in the assisted living industry. Chuck can help your family investigate your options for paying for Elder Care through a Life Settlement. You can go to his website at http://www.LifeTransitionsOnline.com or call him directly at 480-703-7005.

Are you worried that you may lose all your life’s earnings and nest egg due to the rising costs of in-home long term care? As you get older do you have the necessary finances to protect yourself from going broke while slightly incapacitated? Many seniors are worried about are worried about the costs of long-term health care.

Are you worried that if something happens to you, that you may run out of money and burn thru their reserves and all your nest egg. Even be forced to sell your paid for home to survive? The costs for long-term in home care are rising, just like the current costs in health care. The average nursing home stay is 2.5 to 5 years of care with a cost of $135.00 per day. At that rate it will not take log to burn thru piles of cash. This is a concern of seniors and rightfully so.

It is very important to have long-term care insurance in order to protect your assets and give you peace of mind. You need the assurance of quality care, choice and control over receipt of care.

As we get older we do not wish to burden our offspring to come take care of us as they have their own family obligations; so we will want to avoid dependence and it might be nice to receive some tax advantages too. Paying for Long-Term Care requires some strategic planning; either thru family pact to take care of you or long term care insurance. Nothing is not guaranteed and do not expect the government to foot the bill. You see medicare is great but this program may pay for skilled nursing facility care for a very short period of time – but no longer than 100 days and only when you meet all the Medicare requirements for daily skilled care. If you live in California there is Medi-Cal, but this program, called Medicaid outside California, may pay for skilled, rehabilitation and custodial care that is not covered by Medicare, but only if you first “spend-down” assets to federal and state legal impoverishment level guidelines. Can you pay for your care thru personal or family assets without selling your home? Most people provide for long-term care expenses from personal or family income, assets and resources.

Your more strategic choice for Long-Term Care may involve having an insurance program. Specially designed programs to pay for long-term health care expenses are viable option. HIPAA defines Federal tax treatment of insurance policies that provide long-term care coverage. Policies that meet certain criteria are designated as “qualified long-term care insurance” and will receive certain tax incentives: the cost of coverage may be deductible and long term care benefits received will not be reported as taxable income. Please consult your tax advisor for information about your personal situation.

Play it safe and know your options regarding long-term health care and know protect your assets. Think on this.

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/