SENIOR INDEPENDENCE

2012-02-18T16:26:00.007-06:00

Senior independence in most cases is directly related to quality of life. Many seniors want to hold on to their independence for as long as they can, as most of us do. Seniors try in so many ways to satisfy their own needs and will go to all lengths to try to fulfill those needs. They want to remain independent because independence exemplifies the dignity they, for so long, exhibited. But being independent also means being able to deal with issues associated with safety, finances and house upkeep as well as being able to maintain daily living activities that are necessary to survive. Walking with someone to the grocery or drug store, working in the garden, crafting and doing light housekeeping are just a few of the things that can keep a senior’s mind and body moving and stimulated, thus helping to extend those independent senior years. Brain activities like reading, doing crossword puzzles, working on the computer and playing Bingo keep the mind probing and functioning. Communicating with friends and family can keep seniors in touch and up-to-date with all that is happening and events such as birthdays that might be taking place. Companionship can be an avenue for extending senior independence. With companionship come help, support and communication. Seniors can still be independent with the assistance of others. As we grow older, we may have a harder time reading fine print or reaching up to get that ingredient needed to cook. We may have a hard time using our hands or going up and down stairs due to arthritis setting in. Our reactions may not be as quick to situations and therefore may not be able to drive as often as we would like. And, if we become dependent on medication, we may need help in keeping it organized so we are not overdosing on any one prescription. Even though seniors look at these events as seriously impacting their independence, they fail to realize that with some kind of support or help, they can continue to function independently in other areas. Seniors work very hard at staying independent and we should respect that. However, we need to observe and take charge when we see that independence deteriorating in seniors and possibly becoming a threat to their livelihood. We need to hold firm and insist that help be secured for those senior family members. And, if help is necessary, we need to be there to help them make that transition.

When that frame of mind to live disappears, so do our seniors disappear. Seniors hold on to being independent for as long as they can because they know once it starts fading, it is most likely gone forever. Our Seniors are deserving of a healthy, happy, independent life style for as long as possible. Remember, without seniors, we would not be here.

ADOPTING YOUR PARENTS: WHAT TO KNOW BEFORE TAKING THE PLUNGE ... Click Here!

Available in ebook or paperback

SENIOR EBOOKS... Click Here!
The Ultimate Babyboomers' Resource, Retirement Planning and
The Ultimate Eldercare Resource

SENIORS AND CARE

2012-02-16T16:58:00.004-06:00

Can seniors remain independent with some kind of support or care? Many seniors associate any type of support or care with the loss of their independence. This anticipation of losing their independence can, in many ways, impact their life style and attitude. Seniors have lived very long lives taking care of themselves, children and in many cases others as well. These seniors still feel they are capable of doing many things they consider indicators of independence. Many seniors are faced though with living alone, medical and mobility problems as well as physical, social, psychological and/or neurological issues. Adult children and relatives of seniors worry that their health and safety may be compromised in some way. And, for those adult children who are not in the same geographical area as their senior parents, the health and safety of their parents becomes even more stressful and worrisome. What seniors do not realize is that their independence can be extended with some kind of support or care.

In order to determine the amount of independence a senior can handle, it is imperative that adult children look for certain signs of changes associated with senior behavior and their living environment. Some important factors pointing to the need for intervention are:

Weight Loss - Weight loss can be associated with illness, disease, cancer, depression or neurological conditions. It can also be a contributing factor of malnutrition and dehydration. Some seniors may find it hard to cook either because the process is too difficult, it takes too much time or they seem to forget how to prepare a meal. Another contributing factor of weight loss in seniors is not having groceries in the house. And not having the right kind of groceries that can provide the nutritional intake for a senior can also ignite weight loss. Seniors may have problems reading labels on food items and directions for preparing certain foods. Taking inventory of the food in the kitchen is a way to gauge whether or not a senior is eating. Asking seniors what they had for a meal and looking around to see if plates/pots/pans are visible is another way of checking whether or not seniors are eating. If you see that seniors are experiencing any issues with preparing and eating meals, it may be more advantageous to have meals delivered to them. Many organizations and companies deliver delicious meals to seniors. These meals are nutritious and taste good. They provide seniors with meal choices and the freedom to eat without having to prepare the meal. There is a charge for this service and it sometimes can be expensive. Eating nutritious meals, drinking plenty of water and routine doctor visits are key to maintaining weight and health in seniors. It is very important to monitor the eating habits of seniors and intervene if their well-being and health are being compromised.

Mood - Happiness, laughter, activities, conversations, communication with people are indicators of happy seniors with a positive attitude. Keeping busy doing crafts or participating in games stimulates and provokes the brain to interact with the body. Having family and friends visit seniors regularly impacts their mood as well. Children, for the most part, have a strange way of making seniors laugh and feel good. Their spontaneous, interactive responses and free spirit bring excitement to seniors. Sometimes medicine has a direct effect on the mood or attitude of seniors. The side effects of some meds increase mood swings and depression to a great extent thus making it very difficult for seniors to be in a positive, alert and energetic mood. Depression, directly related to mood, is frequent in seniors and can be a detriment to their well-being. It directly impacts behavior and routines as do certain senior illnesses. It directly impacts conversations and communication as do certain senior illnesses. It is very important to monitor the mood of seniors and intervene if their well-being and health are being compromised.

Personal Care - Personal hygiene is a big gauge of independence retention or possible care for seniors. It becomes quite evident that seniors are unable to attend to personal hygiene when their clothes are soiled or their hair is never combed. This may be due to the fact that seniors find washing clothes difficult or merely because they do not recognize that their clothes are soiled. If the hair is not combed, then could they also have forgotten to brush their teeth? Are they bathing, cleaning themselves, shaving and dressing appropriately? Confusion, level of difficulty of the tasks, illness or dementia could be deterring seniors from attending to personal hygiene routines. It is very important to monitor the personal care of seniors and intervene if their well-being and health are being compromised.

Living Quarters - Adult children need to observe the living conditions of their senior parents or seniors they frequently visit. Is the house in disarray? Are their bills stacked up on the counter? Is the heat and electricity functioning properly in the house? Can seniors move around freely being able to get to a bathroom and other areas? Is the house set up with stairs that could become a major issue? Is the outside of the house still being maintained or is it now overgrown with weeds? Confusion, dementia, depression, physical impairments and other issues can hinder simple household tasks. Hip and knee injuries/surgeries and arthritis can affect simple movements impacting certain chores inside and outside of the house as well. It is very important to monitor the living conditions of seniors and intervene if their well-being, health and safety are being compromised.

Safety - Stairs are major obstacles for seniors as they sometimes are for anyone. A senior with questionable balance and deteriorating eyesight can find going up and down stairs fearful and tedious. Seniors are more susceptible to falls that can happen anytime. These falls can result in serious injuries, major surgeries and possible permanent disability. There are alert systems seniors can wear to notify emergency authorities of a fall or accident. Getting a senior to commit to wearing such a device is sometimes very difficult and challenging. Senior safety and independence depends on their reflexes, time responses and thought processing to certain situations. If a fire occurs, will the senior be able to evacuate the house or premise in time? Will the senior be able to dial 911 in an emergency? Are appliances being used properly and are they stable? Do you see evidence of parched pans indicating that food has been left on too long? Do you smell gas when you walk into the house indicating that the stove has not been properly turned off? Opening the door to strangers is another concern for adult children with senior parents living alone. There are many predators out here waiting for the opportunity to violate seniors in whatever way they can. Seniors putting numerous chains on the door preventing an adult child or relative with a key from entering the house is another safety concern. If something happens in the house, you have no other choice but to break the door down or call the fire department to gain entry. It is very important to monitor the safety conditions surrounding seniors and intervene if their well-being, health and safety are being compromised.

Medication - Medications and seniors do not always sit well together. Seniors sometimes find it hard to maintain a schedule and keep up with the correct dosage for each medication. Even with a pill box, taking meds can be a daunting task for seniors. Not taking medications on schedule and/or the right dosages can be a major risk factor for seniors as well. Overdosing is very common with seniors who are responsible for taking medication without someone overseeing the disbursement and time management of the medication. On the other hand, without assistance, many seniors end up not taking the recommended dosage or the meds at all by the doctor thus hindering their quality of life. It is very important to monitor medications taken by seniors and intervene if their well-being and health is being compromised.

Who are seniors? Seniors are people who want to hold on to their independence for as long as they can. We need to help them understand that they can hold on to their independence much longer if they agree to some help, support or care in areas of need.

ADOPTING YOUR PARENTS: WHAT TO KNOW BEFORE TAKING THE PLUNGE ... Click Here!
Available in ebook or paperback

SENIOR EBOOKS... Click Here!
The Ultimate Babyboomers' Resource, Retirement Planning and
The Ultimate Eldercare Resource

ORGANIZATIONS AND RESOURCES

2012-02-14T10:21:00.000-06:00

NATIONAL SERVICE ORGANIZATIONS, LINKS AND RESOURCES

RESPITE CARE

National Adult Day Service Association, Inc.
ARCH National Respite Network
Chapel Hill Training-Outreach Project, Inc.
National Respite Locator Service

HOSPICE

LEGAL AND FINANCIAL RESOURCES

REVERSE MORTGAGES - SENIORS

2012-02-13T13:08:00.002-06:00

If you have a senior family member in need of extra funds for daily living expenses, medical bills, care, or just more financial security, a reverse mortgage may be a consideration. A reverse mortgage may be an excellent way to provide financial freedom to a senior.

A reverse mortgage, also known as a Home Conversion Mortgage, is a loan for senior homeowners that use the equity in their home as collateral. In general, it does not need to be repaid until the homeowner dies or the last surviving homeowner moves or also dies.

The requirements for a reverse mortgage are as follows:

62 years of age or older
the home must be owned free and clear or all existing liens must be satisfied with the reverse mortgage
the mortgage balance must be able to be paid off by the reverse mortgage

Generally there are no income or credit report requirements for a reverse mortgage. The loan does not become due as long as the homeowner lives in the house and maintains it. In the event of death by the homeowner or upon vacancy of the home for more than 12 months, the estate can choose to repay the reverse mortgage loan or put the home up for sale. If the equity in the house is higher than the reverse mortgage loan repayment, then the remaining equity goes to the estate. If sale of the house is less than the reverse mortgage loan, then the lender takes a loss.

The amount of the loan depends on four factors:

age
current interest rate
appraised value of the home
government imposed lending limits

There are several ways to receive the funds from a reverse mortgage. They are:

lump sum
equal monthly payments for as long as the homeowner lives in the home
equal monthly payments for a fixed number of years
drawing any amount down at any time until all funds are exhausted

There are many companies offering reverse mortgages. Check all credentials including:

license/s
NMLS (National Mortgage Licensing System)
BBB (Better Business Bureau)
National Reverse Mortgage Lenders Associations

The following guide is available to better explain the pros and cons on reverse mortgage.

A GUIDE TO REVERSE MORTGAGES
Click Here!