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Thursday, September 5, 2019

Will My Advance Directive Work in Another State?

Making sure your end-of-life wishes are followed no matter where you happen to be is important. If you move to a different state or split your time between one or more states, you should make sure your advance directive is valid in all the states you frequent.

An advance directive gives instructions on the kind of medical care you would like to receive should you become unable to express your wishes yourself, and it often designates someone to make medical decisions for you. Each state has its own laws setting forth requirements for valid advance directives and health care proxies. For example, some states require two witnesses, other states require one witness, and some states do not require a witness at all.
Read more . . .

Wednesday, August 28, 2019

How Sleep Patterns Affect Your Overall Health

Getting a good night’s sleep is important for your overall health and your mood at any age. However, it can be particularly important in older adults.  Sleep problems in older adults are not uncommon. While the amount of sleep recommended for an older adult is the same – seven to nine hours each night – sleep can often be less deep and choppier than for those who are younger. Common problems include:

  • having trouble falling asleep
  • waking up frequently in the night or early morning
  • getting less quality sleep.
    Read more . . .

Wednesday, August 7, 2019

Five Easy Exercise Modifications for Seniors

Five Easy Exercise Modifications for Seniors

Some seniors are under the impression that they don’t need to exercise regularly. They might think that they’re too old, they might think that it’s too dangerous, or they might just not particularly care about getting any activity in during the day.  If any of these mindsets sound familiar to you, it’s important to remember that regular exercise is a recommendation for all adults, include seniors.  

In fact, the government’s 

Read more . . .

Thursday, August 1, 2019

Planning Your Funeral

Thinking about your funeral may not be fun, but planning ahead can be exceedingly helpful for your family. It both lets them know your wishes and assists them during a stressful time. The following are steps you can take to plan ahead:

  • Name who is in charge. The first step is to designate someone to make funeral arrangements for you.  Under Indiana law, you must execute a Funeral Planning Declaration that complies with the requirements of I.
    Read more . . .

Wednesday, July 17, 2019

How to Deal with Student Loan Debt as You Age

The number of older Americans with student loan debt – either theirs or someone else’s -- is growing. Sadly, learning how to deal with this debt is now a fact of life for many seniors heading into retirement.

According to a study by the Read more . . .

Thursday, July 11, 2019

What Is the Difference Between a Living Will and a Do-Not-Resuscitate Order?

It is a very good idea to create advance directives in order to plan for the possibility that you may one day be unable to make your own medical decisions. In doing so, there can be confusion about the difference between a living will and a "do-not-resuscitate" order (DNR). While both these documents are advance medical directives, they serve different purposes.

A living will is a document that you can use to give instructions regarding treatment if you become terminally ill or are in a persistent vegetative state and unable to communicate your instructions. The living will states under what conditions life-sustaining treatment should be terminated.
Read more . . .

Wednesday, July 3, 2019

Seven Summer Safety Tips for Seniors and Caregivers

Summer time is upon us; and, as the summer days get warmer and longer, so does our time spent outdoors.  This time of year families, including many seniors, begin to take a break from busy schedules to plan vacations, take outings to the park, complete landscape projects around the house or just spend time enjoying each other’s company relaxing in the sun on a beautiful warm day.  As the temperature and heat index rises, it is always good to remember several summer safety tips, especially for our seniors.

  1. Remember to stay hydrated.  According to the Mayo Clinic, older adults naturally have a lower volume of water in their bodies which makes it easier for them to become dehydrated.
    Read more . . .

Wednesday, June 26, 2019

11 Things Seniors Should Look for in a Healthcare Provider

You're more than just a patient in a higher age bracket.

As you reach your mid-60s and beyond, you need a primary health provider who's attuned to changes in your body, mind and life. If it's time to find a specialist focused on older patients, whether for yourself or a family member, here's what to check for in your next clinician.
Read more . . .

Wednesday, June 19, 2019

Medicare Launches a New App to Assist You in Your Coverage Questions

Have you ever been at the doctor's office and want to know if a procedure is covered by Medicare? There is an app for that. Medicare has launched a free app that gives beneficiaries a quick way to see whether the program covers a specific medical item or service. 

The "What's Covered" app allows you to search or browse to learn what's covered and not covered under Medicare Parts A and B, how and when to get covered benefits, basic cost information and other eligibility details. You can also see a list of covered preventive services.  The app does not give results for extra benefits that Read more . . .

Wednesday, June 5, 2019

Tips on Creating an Estate Plan that Benefits a Child with Special Needs

Parents want their children to be taken care of after they die. But children with disabilities have increased financial and care needs, so ensuring their long-term welfare can be tricky. Proper planning by parents is necessary to benefit the child with a disability, including an adult child, as well as assist any siblings who may be left with the caretaking responsibility.

Special Needs Trusts
The best and most comprehensive option to protect a loved one is to set up a special needs trust (also called a supplemental needs trust). These trusts allow beneficiaries to receive inheritances, gifts, lawsuit settlements, or other funds and yet not lose their eligibility for certain government programs, such as Medicaid and Supplemental Security Income (SSI).
Read more . . .

Friday, May 31, 2019

Why Would I Want an Irrevocable Trust?

A few weeks ago, I wrote a blog about irrevocable trusts.  Typically, once you put an asset into an irrevocable trust, you no longer have control over that asset – you lose your ability to use that asset as you wish.

 Why, you may ask, would I ever want to give up control of my own assets?  I’ve worked my entire life to pay off the mortgage on my house and to build up my investments.
Read more . . .

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