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National Aging Life Care™ Month Highlights Solution for Overwhelmed Caregivers

As the aging population continues to grow, so does the demand for caregivers. During National Aging Life Care™ Month this May, the Aging Life Care Association is raising awareness around a solution for caregivers and families of aging adults — Aging Life Care Managers®. This network of professionals are experts in aging, helping ensure a client’s optimal quality of life while reducing stress, worry and time away from work for family caregivers.

Solution for Overwhelmed Caregivers

For the past two years, the COVID-19 pandemic has put a spotlight on the numerous caregiving challenges faced across generations. The National Alliance for Caregiving (NAC) and AARP’s recently released Caregiving in the U.S. 2020 reveals an increase of 9.5 million in the number of family caregivers in the United States 2015 to 2020. As the aging population continues to rise, so does the demand for caregivers.

The Aging Life Care Association® launched National Aging Life Care Month in May eleven years ago to raise awareness of a solution for families and caregivers supporting aging loved ones. Aging Life Care™ is a holistic, client-centered approach to caring for older adults, dependent adults, and others facing ongoing health challenges. Aging Life Care Managers®, sometimes called geriatric care managers, are strategic planners with key knowledge in crisis intervention, housing, health and disability, advocacy, family legal needs, and financial and local resources.

“Aging Life Care Managers collaborate with families and professionals to ensure the needs of vulnerable seniors are met and optimal quality of life is obtained,” says Debbie Feldman, ALCA President and Chicago-land Aging Life Care Manager. “We help navigate through the medical, financial, legal, and social challenges that are part of the aging journey.”

As Feldman watched the Pandemic separate families and isolate aging adults, she knew that her job as an Aging Life Care Manager was essential to the lives of her clients. “Families could not travel to check on their out-of-town loved ones; long-term care facilities shut their doors to the outside; and medical care became virtual,” Feldman reflects. “Aging Life Care Managers became essential workers and the lifeline to isolated, aging adults.”

Today caregivers are facing more challenges, says Julie Wagner, Aging Life Care Association CEO. “With the ‘great resignation’ and the demands on unpaid family caregivers, we are seeing an increased demand for Aging Life Care Manager services, and we want families to know that help is available.”

The Aging Life Care Association hopes National Aging Life Care Month will not only increase awareness of the professional services available, but also bring more people into the growing profession. Aging Life Care Managers come from a variety of backgrounds in the health and human services fields, including social work, nursing, gerontology, mental health, as well as occupational, physical, and recreational therapies. To locate an Aging Life Care Manager, visit aginglifecare.org for a nationwide directory of professionals.


Disclaimer: This blog is for informational purposes only and does not constitute, nor is it intended to be a substitute for, professional advice, diagnosis, or treatment. Information on this blog does not necessarily reflect official positions of the Aging Life Care Association® and is provided “as is” without warranty. Always consult with a qualified professional with any particular questions you may have regarding your or a family member’s needs.

National Healthcare Decisions Day

National Healthcare Decisions Day: More Than One Day

“National Healthcare Decisions Day (NHDD) exists to inspire, educate and empower the public and providers about the importance of advance care planning. NHDD is an initiative to encourage patients to express their wishes regarding healthcare and for providers and facilities to respect those wishes, whatever they may be.” – The Conversation Project

Make your healthcare decisions and choices known…start the conversation today

by Tiffany Webster LCSW, CMC – Aging Life Care Association®

Through past efforts of national, state, and community organizations, the importance of advance healthcare decision-making was highlighted and led to the formal designation of April 16th as National Healthcare Decisions Day (NHDD). This day exists to encourage each of us to express our wishes regarding healthcare and to empower all of us to see the importance of advanced care planning.

Do you know what healthcare treatments you would and would not want if you could not speak for yourself? Do other people know what your wishes are? The difference starts with us, we must lead by example. Each of us, need to be sure to have thoughtfully considered and made our own healthcare decisions known.

Why plan ahead? It is important to plan ahead to leave a guide of your wishes for loved ones to follow. This gives loved ones’ peace of mind. They do not have to question what you would want regarding your health. By planning ahead fewer families and health care providers will have to struggle with making difficult healthcare decisions in the absence of guidance.

The process of advance care planning seems difficult and time consuming, but if broken into steps it is not as overwhelming.

  • Start with thoughtful consideration of one’s values and learn about treatment options.
  • Talk with those that are important in your life about what your want at the end of life.
  • Think about who would uphold what you would want at end of life and follow your wishes. Speak with them about being your Healthcare Agent.
  • Complete legal documents.
  • Share documents and wishes with family of choice, friends, healthcare providers, and anyone that you think should know your wishes.

What can we do as Aging Life Care Managers®? As stated above, lead by example and make your healthcare decisions known by completing your own advance care planning. Be an encourager by encouraging those you serve to discuss advance care planning. Be an educator and educate those you serve on advance care planning and link with available resources. Be an advocate and empower those around you and in the community to have needed conversations and start advance care planning. Rally your community by having an event, participate in a podcast or on the radio, or share information about advance care planning on social media.

For additional information on ALCA’s standpoint and resources visit aginglifecare.org and read  ALCA’s position paper on “Health Care Decision Making.”

Additional Resources

This article originally appeared in the ALCA Midwest Chapter’s Spring 2022 Newsletter. 

About the author: Tiffany Webster of Private Home Care in St. Louis, MO is a Licensed Clinical Social Worker and Certified Care Manager with over 20 years of experience in the mental health field and geriatrics. She is passionate about improving the care and quality of life for elderly individuals and promoting collaboration between health care providers, community educators, and organizations.


Disclaimer: This blog is for informational purposes only and does not constitute, nor is it intended to be a substitute for, professional advice, diagnosis, or treatment. Information on this blog does not necessarily reflect official positions of the Aging Life Care Association® and is provided “as is” without warranty. Always consult with a qualified professional with any particular questions you may have regarding your or a family member’s needs.

Aging Life Care Manager

Is a Career in Aging Life Care™ Right for You?

If you are in the health and human service fields and looking for a career where you make a difference in people’s lives, stop here and watch this video. Aging Life Care Management is a fast-growing, in-demand profession where your guidance can lead families to the actions and decisions that ensure quality care and an optimal life for those they love, thus reducing worry, stress and time off of work for family caregivers through: assessment and monitoring; planning and problem-solving; education and advocacy; and family caregiver coaching.

People come from a variety of disciplines to find a career in Aging Life Care. What Aging Life Care Professionals have in common is commitment to the highest Standards of Practice and Code of Ethics.

 

Aging Life Care Professionals® are members of the Aging Life Care Association® (ALCA) and differ from Patient Advocates, Senior Advisors, Senior Navigators, and Elder Advocates. ALCA members must meet stringent education, experience, and certification requirements of the organization, and all members are required to adhere to a strict Code of Ethics and Standards of Practice . For more information on membership requirements, please visit the Join ALCA section of aginglifecare.org .


Disclaimer: This blog is for informational purposes only and does not constitute, nor is it intended to be a substitute for, professional advice, diagnosis, or treatment. Information on this blog does not necessarily reflect official positions of the Aging Life Care Association® and is provided “as is” without warranty. Always consult with a qualified professional with any particular questions you may have regarding your or a family member’s needs.

Woman counting coins on table

Could a Life Insurance Policy Help Pay for Care Needs Now?

Real-Life Examples of Utilizing this Untapped Asset

As Aging Life Care Professionals® customize care plans and resources for their clients, they are careful to evaluate and manage the client’s financial resources necessary to ensure quality care and an optimal life.

An often-overlooked financial resource is life insurance. Did you know that 500,000 seniors a year will walk away from their life insurance policies?  This happens because they no longer want the policy, need the policy, or can afford the policy.  The reason a policy was purchased 10, 20, or even 30 years ago is no longer a concern.  The house is paid off, perhaps a spouse has passed away, the kids are grown and have their own lives, etc.  Or maybe the policy premiums have become unaffordable.  What many don’t realize is there is another option that can have a dramatic impact on the ability of clients to pay for their care needs.

A life insurance settlement is that option. It is the ability for a client to sell an unwanted/unneeded life insurance policy for cash.  Yes, that’s right, a life insurance policy is an asset that can be sold – just like a car or a house.  The investor groups who purchase these policies become the new owner, pay the premiums, and become the beneficiary.  The client receives cash today, and the buyer receives an investment with a future return.  The amount a policy could we worth is very specific to each client, but policies can be worth tens of thousands or hundreds of thousands of dollars…all from an asset a client was going to walk away from.  All different types of policies can be sold, including term policies.

Here are some real-life stories  whose lives were changed through a life insurance settlement:

  • A 66-year-old woman with Multiple Sclerosis (MS) had a $150,000 term life insurance policy.  Her beneficiary was her ex-husband.   There were no children and no one she wanted to leave the money to.  This policy was no longer needed or wanted.  She did not know a life insurance policy was an asset that could be sold.  Since she didn’t need it anymore, she decided selling the policy made sense, in order to give her money for the care needs she knew she would need in the future.   We marketed the policy and she sold it for $25,000, giving her the financial cushion she wanted.
  • A 78-year-old gentleman with cancer had a $250,000 term policy.  He purchased the policy for his wife so she would be protected and could pay off the house if something should happen to him.  The house had long been paid off, and his wife had passed away four years ago.  His daughters were the beneficiaries.  They had successful careers and their families did not need the money.  He decided that he wanted to sell the policy to make his life more comfortable while he was still alive.  The opening offer on his policy was $15,000.  By the time we were done, he sold it for $128,500.  That will go a long way to helping him stay comfortable for the rest of his life.
  • A 58-year-old gentleman with significant heart issues had a $1.6 million universal life policy.  He was a successful businessman and his family was well cared for.  He had a dream of living on a ranch for the rest of his life.   So, he sold his business, sold his house, and sold his policy for $350,000 (the opening offer was $125,000).  Now, he has the resources to live the rest of his life the way he wants.
  • A healthy 88-year-old gentleman needed to find money to continue to pay for his wife’s home care needs.  He had several life insurance policies.  He sold his $114,000 policy for $26,000, giving him the resources needed to continue the care for his wife.
  • A 66-year-old gentleman with liver issues held a term life insurance policy that was reaching the end of its term.  He purchased it for his wife to pay off the house if something happened to him.  The house was now paid off and he was not going to continue the policy.  He sold the policy for $75,000.  This was “found money” for him, as he was going to walk away from the policy with nothing – a game-changer to help make his life more comfortable.

These are just some examples of clients who were able to repurpose an asset – one they didn’t know they had – into cash to use to take care of themselves and their families.   We are life insurance settlement brokers and are here to support Aging Life Care Managers and their clients.  As brokers, we have access to many investor groups.  Our role and fiduciary duty is to represent our clients to obtain the highest amount for their policy as possible.

If you know anyone who is thinking of lapsing, surrendering, or walking away from their policy, please contact us first so they can find out if a life insurance settlement may work for them.  There is no up-front cost to find out how much a buyer may be willing to pay.  Contact us – we’re here to help.

About the Author: For more than 30 years, Lisa Rehburg has been working with insurance brokers, financial advisors and clients in the health and life insurance industries. Ms. Rehburg is energized by helping financial professionals, non-profit organizations, health care professionals and their clients benefit from unwanted or unneeded life insurance policies. Rehburg Life Insurance Settlements is  a proud ALCA Corporate Partner.  Ms. Rehburg can be reached at (714) 349-7981 or lrehburg@aol.com.


Disclaimer: This blog is for informational purposes only and does not constitute, nor is it intended to be a substitute for, professional advice, diagnosis, or treatment. Information on this blog does not necessarily reflect official positions of the Aging Life Care Association® and is provided “as is” without warranty. Always consult with a qualified professional with any particular questions you may have regarding your or a family member’s needs.

Severe Winter Weather

Tips for Keeping Seniors Safe During Severe Winter Weather

As winter weather descends on the United States, many people are being confronted by cold weather they have never experienced before.  All of this greatly impacts the safety and well-being of the elderly, especially when weather events strike unexpectedly or with speed. Here are some tips from the experts in aging well® to help aging adults get ready for winter weather.

Before a Storm
  • Stay informed and sign up for severe weather alerts through your local city or state resource
  • Refill prescriptions and have an extra supply of other medical necessities
  • Buy extra food, including non-perishables, and bottled water (and don’t forget pet food or supplies if needed)
  • Keep vehicles filled with gas and have tires checked for safety
  • Clear debris from downspouts and gutters
  • Have trees inspected and remove any dead limbs
  • Have evacuation routes planned with identified medical centers
  • Identify an individual or company to shovel snow from driveways, stairs
  • Make sure outside furnace vents are clear and carbon monoxide alarms are working
  • Inspect outside plumbing, insulating any exposed pipes
  • Know the locations of emergency warming stations in your city
Prepare for Power Outages
  • If using oxygen, bi-pap, c-pap or other equipment, you will need a generator
  • Purchase battery operated, plug-in lights that automatically turn on when the power goes out
  • Make sure you have working flashlights within reach and extra batteries
  • Keep cell phones charging so you have a full charge at power loss
Plan for Caregivers

If you rely on caregivers, consider the following:

  • Arrange for a live-in caregiver
  • Build a relationship with neighbors that may be able to temporarily fill-in
  • Plan temporary or respite stay with a nursing home, assisted living community, or hospice
Safety
  • Keep areas around space heaters clear
  • Use space heaters with automatic shut-off
  • Gas stoves or ovens should never be used as a heating source
  • Do not attempt to climb ladders
  • Do not walk on frozen stairs, sidewalks, or driveways

For more winter weather tips and planning, visit the Winter Safety section of the National Weather Service.

With knowledge of local resources, An Aging Life Care Professional® can  build an emergency weather plan for your aging loved one. Find one to consult at aginglifecare.org.

bladder health month

Urinary Incontinence in Older Adults & Seniors

Urinary Incontinence in Older Adults & Seniors

By Vicki Wolpoff of NorthShore Care Supply  –  an Aging Life Care Association Corporate Partner 

November is Bladder Health Month — a  month is designed to encourage you to stay informed about different bladder issues, so you can proactively take care of your bladder health or help someone who you are caring for.

One of the most common bladder conditions that affect millions of individuals each year is urinary incontinence. It is characterized by poor bladder control, which is when an individual cannot prevent urine from leaking out.

Aging is a factor that can cause urinary function to decline due to bladder and/or bowel changes as people get older. That’s why urinary incontinence is more prevalent in older adults.

Here’s what you need to know about urinary incontinence and aging as well as how you can help someone managing incontinence live life to the fullest without worrying about leaks.


What is the Connection Between Urinary Incontinence and Aging?

In older adults, incontinence may be caused by the following reasons:

  • Reduced Mobility: If seniors are suffering from a specific condition, like arthritis, they may have difficulty reaching the bathroom in time. This urge incontinence increases their risk of falls and accidents. It is also considered a major contributing factor to hip fractures among older women.
  • Impaired Cognition: Psychological disorders, like delirium, depression and dementia, can cause changes in the cognitive functioning of older adults. Once severely impaired, these conditions can limit their ability to go to the toilet and worsen their incontinence.
  • Urinary Infection: Urinary tract infections (UTI) in seniors may be characterized by pain, burning and the frequent urge to urinate. It can also cause urinary incontinence.
  • Side Effects of Medications: Certain medications can affect urinary incontinence, including diuretics, opioids, sedatives, antihistamines or decongestants, benzodiazepines and some antidepressants.Diuretics are known to increase the frequency of urination. Alcohol and caffeine can cause bladder irritation. Drowsiness is another side effect of medications, increasing one’s risk of falls.
What Can You Do to Help Manage Incontinence?

Managing incontinence among older adults is crucial to preventing the occurrence of bladder infections or ulcers. It can also be beneficial for their overall health and well-being, resulting in enhanced quality of life. Below are some tips to keep in mind.

  • Do Pelvic Strengthening Exercises. Doing pelvic floor exercises every day can strengthen the muscles around the bladder. This helps stop urination and reduce incontinence.
  • Make Lifestyle Changes. People experiencing issues with urinary incontinence should consider making the following lifestyle changes:
    • Eat a balanced diet and maintain a healthy weight.
    • Avoid drinking bladder irritants, such as alcohol or caffeinated beverages.
    • Stop smoking tobacco products.
    • Control the amount of fluids consumed.
    • Schedule regular bathroom breaks during the day and night.
  • Consider Incontinence Products. Even after getting treatments or making lifestyle changes, urine leakage may still occur occasionally. Consider using absorbent incontinence supplies to help manage this issue.Incontinence products are designed to support bladder (some also address bowel incontinence) leakage while offering comfort and protection. They come in the form of tab-style briefs/adult diapers, protective underwear/pull-up style, liners, pads, underpads and more. Absorbency levels can vary so pick the one with the most capacity needed to stay dry. At NorthShore Care Supply, we specialize in higher-absorbency products designed for individuals managing moderate and heavy to total incontinence.
  • Seek Professional Help. Whether you’re an older adult or a concerned family caregiver, the decisions you need to make surrounding aging safely, comfortably and healthily can be overwhelming, according to Care.com. If you are caring for an older relative or disabled adult, consider seeking professional help from an Aging Life Care Professional®. Sometimes referred to as geriatric care managers, these professionals have the expertise to address elderly care-related concerns, answer questions and help improve the quality of life for both you and your loved ones.

To locate an Aging Life Care Professional near you, visit aginglifecare.org.

About the author: Vicki Wolpoff is the Director of Marketing and Communications for NorthShore Care Supply, the company behind NorthShore® high-absorbency incontinence products such as tab-style briefs, protective underwear, pads, liners, bed pads and more. She has over 20 years of healthcare experience and currently serves as chair of the Adult Incontinence Committee for the Center for Baby and Adult Hygiene Products(BAHP), helping develop communications regarding adult incontinence, providing information on treatment and management options as well as increasing the accessibility of absorbent incontinence products.

image credit: National Association for Continence

Last Minute Thanksgiving Tips for Hosting Aging Adults

If your Thanksgiving holiday is fortunate enough to include multiple generations at the dinner table, here are some simple tips for keeping aging loved ones engaged, comfortable and safe during holiday celebrations.

Last Minute Thanksgiving Tips for Hosting Aging Adults

By Lisa Mayfield, MA, LMHC, GMHS, CMC – Aging Life Care Association® President

When planning a multi-generational Thanksgiving holiday consider these ideas to help navigate a few common issues that might pop up with your aging family members:

Making Conversation

• For those with hearing challenges or memory changes, navigating multiple conversations can be tough. Strategically sitting aging family members at the end of the table next to one or two family members who will be intentional about including them in conversations can often be the best way to ensure they feel engaged and included. Shouting across a room or even the dinner table, is rarely effective. More important than speaking loudly, is speaking clearly and sitting close.

• Don’t be shy about sharing stories and taking initiative with conversation. As memory declines, initiating conversations can be tough. It’s okay to take the lead with starting conversations.

• Focusing conversations on the present or sharing favorite memories is a great way to keep the conversation going.

• If aging family members have low vision or memory challenges, having family members introduce themselves can be helpful, “Hi Great Aunt Jane, it’s John. It’s so nice to see you.”

Feeling Comfortable

• Keeping rooms well-lit and bright is the best way to help those with low vision. To reduce the chance of falls, keep the house well-lit and clear any pathways.

• Offering a friendly escort to navigate the house can also be helpful for those with low vision, poor mobility, or memory challenges.

• Aging family members appreciate a warm house. Encourage dressing in layers and be intentional about seating. Save the “hot seats” for those who prefer being cozy.

Taking it Easy

• Less is often more.  Families tend to over plan their time together, so schedule plenty of down time. The best memories are often made while simply catching up and taking time to be together. “Being” vs “doing” might be the best approach.

• If your planning on an evening gathering, encourage taking an afternoon nap before the Thanksgiving meal. Later afternoons or early evening can be a time that people with memory changes become even more confused. Having an early dinner can help ensure aging family members are more engaged.

• Integrating family traditions with new family activities can be an effective way to bridge the generations.

For more ideas, consider engaging an Aging Life Care Professional® to be your guide for navigating the changes with aging family members. Aging Life Care Professionals are experts in aging well and can help your family successfully strategize solutions to challenges of aging. You can find an Aging Life Care Professional at aginglifecare.org.

Lisa Mayfield is the founder and co-Principal of Aging Wisdom®, an Aging Life Care™ practice in Seattle. Trained and licensed as a Mental Health Counselor, Geriatric Mental Health Specialist, and a Certified Care Manager, Lisa brings over two decades of experience working with older adults and their families. She is currently serving as the President of the Aging Life Care Association board of directors.


This blog is for informational purposes only and does not constitute, nor is it intended to be a substitute for, professional advice, diagnosis, or treatment. Information on this blog does not necessarily reflect official positions of the Aging Life Care Association® and is provided “as is” without warranty. Always consult with a qualified professional with any particular questions you may have regarding your or a family member’s needs.

Evacuation tips for aging seniors

Planning for Disaster: Evacuation Tips for Aging Adults

No matter how much planning one does before a natural disaster—be it a hurricane, tornado, earthquake, fire, or flood—its arrival can often feel like a complete surprise. And for aging seniors, evacuating often comes with its own set of difficulties. With hurricane season still in effect and early winter storms blanketing parts of the country in snow, Aging Life Care Professionals® are urging all aging adults to make sure they are prepared with a plan.

“Whether it’s a hurricane, snowstorm, fire, or earthquake, having a disaster plan can be the difference between a safe evacuation and a more dangerous situation,” says Liz Barlowe, an Aging Life Care Manager from Florida who has been through several hurricanes and evacuations. “It doesn’t matter if the senior lives at home independently or in a facility, each individual needs both a proactive plan and reactive plan.”

Proactive planning includes having important documents and insurance cards in order as well as an emergency kit of medications, money, first-aid items, batteries, water, and food. This plan should be in writing, updated every six months to a year, and be shared with all responsible care parties.

Reactive planning plans for the “what-ifs” after a disaster. “Knowing where you can stay if your home is uninhabitable after a storm; or knowing where you can go for medical care in another city brings an aging senior some peace of mind,” says Barlowe. “When I develop a plan for my clients, my goal is to get them back to their normal daily routine as soon as possible.”

Aging Life Care Professionals offer these evacuation tips for aging adults:

  • Prepare, plan, practice!
  • Gather all important documents (e.g. Banking information, Trusts/wills, POAs, Deeds, Insurance Information-property and health, an emergency only credit card, and a small amount of petty cash). Place these items in a fireproof and/or carry-friendly box.  Make sure to place the box in an easily accessible location.
  • Gather all medications (or pictures of labels), medication lists, and important health information. Place these items in a separate fireproof and/or carry-friendly box, if possible for ease in carrying. Make sure to place the box in the same easily accessible location.
  • If there are pets, research animal boarding ahead of time and create a plan for boarding.  Make sure all pets have vaccinations and papers required for boarding (place these documents in the medication information box along with your loved one’s information).
  • Research temporary housing options–hotels, respite care in assisted living, family or friends, in nearby communities.
  • Register for weather alerts with the local authorities.

Long-distance caregiving comes with a separate set of challenges. Barlowe recommends finding an Aging Life Care Professional in the local area to serve as an emergency contact and activate the disaster plan when you can’t be there. Someone local will also have a better knowledge of the resources and support systems available. A national directory of professionals is available at aginglifecare.org.


This blog is for informational purposes only and does not constitute, nor is it intended to be a substitute for, professional advice, diagnosis, or treatment. Information on this blog does not necessarily reflect official positions of the Aging Life Care Association® and is provided “as is” without warranty. Always consult with a qualified professional with any particular questions you may have regarding your or a family member’s needs.

Observe, Recognize, Prevent: 7 Common Myths About Elder Abuse

World Elder Abuse Awareness Day was launched in 2006 on June 15th by the World Health Organization. Elder abuse is one of the most overlooked public health problems in the United States. Victims of abuse are three times more likely than those who weren’t mistreated to die prematurely. Learn how to identify those at risk and what to do if you are concerned about a vulnerable adult.

World Elder Abuse Awareness Day

By Jullie Gray, MSW, LICSW, CMC – Aging Life Care Association™ Member and Fellow of the Leadership Academy

Perceptions people have about elder abuse are usually wrong. That’s disheartening because the way we think about elder mistreatment affects our ability to recognize the signs of abuse and our sense of urgency and commitment about stopping it.

Let’s take a look at the most common myths and learn the facts.

Myth #1 – Elder abuse occurs mostly in nursing homes.

Even though elder abuse does occur in nursing homes, it most often happens at home, behind closed doors in every community, regardless of socioeconomic status.[1]

Myth #2 – Strangers and paid caregivers are the ones preying on older people.

It’s heartbreaking, but most vulnerable adults are abused by a known, trusted person – usually a family member.  Abuse is frequently cloaked in a shroud of family secrecy that sometimes makes detection very difficult.

Myth #3 – The bad guys always get caught.

Criminal prosecutions of abusers are actually the exception rather than the rule because most victims don’t tell. They’re afraid, embarrassed or simply unable to report any wrongdoing to authorities.

Myth #4 – If there are no bruises or physical signs of abuse, there is nothing to worry about.

When thinking about abuse, nearly everyone immediately pictures bruises, broken bones and other types of physical cruelty. However, neglect and self-neglect are the most common types of abuse. Emotional abuse and financial exploitation happen frequently too. None of the typical forms of abuse result in obvious outward signs such as black eyes, welts or broken limbs.  If you are only looking for the physical signs of abuse you will inadvertently overlook the vast majority of cases.

Myth #5 – Caregiver stress causes elder abuse.

Caregiving by its very nature can be stressful – but stress doesn’t cause elder abuse. Most stressed caregivers do not harm the person they care for. By focusing on caregiver stress as an explanation, we tacitly excuse inexcusable behavior. Using “stress” as a rationale also shifts the focus to the abuser and away from the victim by evoking a perception that if the older person was just easier to care for, not sick, and not so demanding, the abuse would never occur.[2]

Myth #6 – Elder abuse happens to men and women equally.

Elder abuse happens most often to women, but plenty of men fall victim too. Regardless of gender, those with some type of cognitive impairment are at greatest risk of being abused.

Myth #7 – It’s not that big of a deal.

Elder abuse is one of the most overlooked public health hazards in the United States. Victims of abuse are three times more likely than those who weren’t mistreated to die prematurely. The National Center on Elder Abuse[3] estimates that between two to five million elderly Americans experience some form of abuse each year. It is believed that for every one case of elder abuse, neglect, exploitation, or self-neglect reported to authorities, about five more go unreported.

Observing signs of abuse

Since a victim may not be able to report abuse, it’s up to others to observe the signs and intervene.types and definitions of abuse

Physical indicators can suggest abuse is occurring

  • Injuries that are inconsistent with the explanation for their cause
  • Bruises, welts, cuts, burns
  • Dehydration or malnutrition without illness-related cause

Behavioral signs shown by the victim indicating possible abuse

  • Fear, anxiety, agitation, anger, depression
  • Contradictory statements, implausible explanations for injuries
  • Hesitation to talk openly

Patterns seen in caretakers who abuse

  • History of substance abuse, mental illness, criminal behavior or family violence
  • Anger, indifference, aggressive behavior toward the victim
  • Prevents victim from speaking to or seeing visitors
  • Flirtation or coyness as possible indicator of inappropriate sexual relationships
  • Conflicting accounts of incidents

Signs a vulnerable person is being financially exploited

  • Frequent expensive gifts from victim to a caretaker or “new best friend”
  • Drafting a new will or power of attorney when the victim seems incapable of drafting legal documents
  • Caretaker’s name (or the name of the victim’s “new best friend”) is added to the bank account
  • Frequent checks made out to “cash”
  • Unusual activity in bank account
  • Sudden changes in spending patterns

What to do if you identify someone at risk

We all need to vigilantly look for abuse around every corner of our neighborhood and in the care facilities we visit. One problem, though, is that our culture has taught us to avert our eyes, cover our ears, and mind our own business.

If you are concerned about a vulnerable adult, call 911 or your local adult protective services agency.

Many families also contact Aging Life Care Professionals™ who can provide an unbiased look at the situation, facilitate family meetings to discuss concerns and provide information about care options or ways to approach the situation.

These dedicated professionals understand the laws concerning elder abuse in the state where they practice and can help navigate complicated bureaucracies, act as an advocate for the older person and help develop a safe plan of care.  They work hand in hand with adult protective service caseworkers, police departments and elder law attorneys to ensure the safety of the older person and to coordinate appropriate services.

It is human nature to want to put our heads in the sand and change the subject to something more pleasant. But if we identify and report abuse when it occurs, we can stop the cycle and protect our most vulnerable elders.

About the author: A Fellow of the Leadership Academy, Jullie Gray has over 30 years of experience in healthcare and aging. She is a Principal at Aging Wisdom in Seattle, WA. Jullie is the President of the National Academy of Certified Care Managers and the Past President of ALCA. Jullie Serves on the King County Elder Abuse Council in Washington State. Follow her on LinkedIn and Twitter @agingwisdom, or email her at jgray@agingwisdom.com. Aging Wisdom has a presence on Facebook – we invite you to like our page.


This blog is for informational purposes only and does not constitute, nor is it intended to be a substitute for, professional advice, diagnosis, or treatment. Information on this blog does not necessarily reflect official positions of the Aging Life Care Association™ and is provided “as is” without warranty. Always consult with a qualified professional with any particular questions you may have regarding your or a family member’s needs.

[1] https://www.justice.gov/elderjustice/research/

[2] Brandl, B. & Raymond, JA. Generations. American Society on Aging. Fall 2012. Vol 36. No. 3. http://www.ncall.us/sites/ncall.us/files/resources/32_39_Gene_36_3_Brandl_Raymond.pdf

[3] http://www.ncea.aoa.gov/

Retirement Checklist

Ten Things Everyone Should Do At Retirement

When asked for their best piece of advice, Aging Life Care Professionals are quick to respond: “Be prepared,” “Make a plan for aging,” “Don’t wait for a crisis to strike,” “Build a team of trusted friends, family and professionals.” So when you head into retirement, be sure to take the necessary steps to plan for the next phase of life. Thanks to our guest Aging Life Care™ Month blogger for sharing this useful ten-step checklist to help you prepare and plan for aging.   To find a professional to help pull together or manage your Aging Life Care plan, visit the Aging Life Care Association’s “Find an Aging Life Care Expert” search at aginglifecare.org.  

 

By Carolyn L. Rosenblatt, RN, Elder law attorney, AgingParents.com – National Aging Life Care™ Month Guest Blogger

 

Let’s face it: no one likes to think of one’s self as “old”. We have an unfortunately negative culture about aging itself and this can cause a lot of problems. But some of these issues can be resolved by taking a few smart steps at age 65 or sooner. I see unnecessary heartache, grief and expense caused by forgetting to do these things or just never considering them.  Here is a ten-step checklist to follow for every smart retiree. If you are an Aging Life Care Manager®, you can remind your clients and help them to carry out these basic essentials we all need. And be sure to do it for yourself too!

Step One

First, identify a trusted person or persons you want to use as the receiver of all of your essential information and documents.  We’ll call this person the Information Keeper. This may be an adult child, a long time friend, or someone who can be counted on as absolutely trustworthy.  Ask the Information Keeper if they’d like to have this assignment. Set a date with this person and sit down with them to go over this checklist.

Step Two

Have a signed and notarized durable power of attorney.  Any competent estate planning attorney will include this in the estate plan documents. But it is surprising how many families don’t have one when they need it. If a generic form DPOA is all right it can be downloaded free from the internet in your state. You do not have to have a lawyer do it, but if you want a special form, you should have a lawyer do it for you.

Step Three

Have a signed advanced healthcare directive Competent estate planning attorneys should also include this document in the estate plan but not all attorneys do so. The document can be gotten from the doctor’s office or free from the internet.  Don’t leave your family in the lurch not knowing what you would want in the way of care or end of life wishes should you be unable to communicate at any time in the future. Yes, you have to think about end of life to fill it out but it’s only fair to make your own choices rather than push this off on anyone else.

Step Four

Make a list of all bank accounts, passwords, hard drive backup location, investment records and financial planning.  The professionals to contact should be on the list. And you should give permission in writing to each of them, such as accountant, estate planning lawyer, and financial advisor to communicate with your appointed trusted person.

Step Five

List every insurance policy you have and provide the location of where it is stored.  This includes life, disability, health, property, earthquake, and anything else you own that will protect your heirs.  Millions of dollars of life insurance proceeds go uncollected each year because the beneficiaries do not know that the policies exist or that they are the beneficiaries.

Step Six

Make a copy of the mortgage statement, any other loans, and debts, financial statements, and bank statement. These should be updated quarterly as these change as loans are paid or made and amounts available fluctuate. If you became suddenly incapacitated someone would need to step in and handle your affairs and pay bills. No one can do this unless they know some basic financial information.

Step Seven

Make a list of all physicians, care providers, and medications you take and give the list to the Information Keeper along with written permission for loved ones to speak with the doctors.  What if you got in an accident and got knocked out for awhile? If anyone wanted to know your medical status, and you have no Information Keeper, it could mean a great deal of danger for you.  This one is simple and won’t take much time.

Step Eight

This might be the hardest one to do but do it anyway. No one gets out of here alive. Create or have on hand information about your wishes for burial or disposition of your remains. The Information Keeper should have that too.

Step Nine

Update your will and/or trust with a local attorney. Laws vary state to state and these need to be current in the state where you live now in retirement. If you’ve never gotten around to doing this make a date and see a lawyer. It’s not that expensive. It can prevent a lot of fighting and heartache after you’re gone.

Step Ten

Call a family meeting to discuss the items on this checklist. Transparency is critical to avoid conflicts down the road.  Do you care about how your loved ones would manage if you couldn’t communicate or if you died unexpectedly? If you love them, sit down and talk it all over. Everyone should know who the Information Keeper is and what that person has on hand.

You can download a copy of this checklist by clicking here. Or you can hear a 5 minute verbal recap of the checklist there too.

Enjoy your retirement, but don’t get caught off-guard. An Aging Life Care Professional can assist with every step on this list. To find one near you, visit the Find an Aging Life Care Expert search at aginglifecare.org.

About the author: Carolyn Rosenblatt has over 45 years of experience in her combined professions of nursing and legal practice. Together with her husband, geriatric psychologist Dr. Mikol Davis, she founded AgingParents.com, a resource for families, and AgingInvestor.com offering educational training and products, both live and online, about aging issues for financial professionals.  These focus on diminished capacity, elder abuse and financial decision-making.  She is the author of The Family Guide to Aging Parents: Answers to Your Legal, Financial and Healthcare Questions.   She also authored Working With Aging Clients: A Guide for Legal, Business and Financial Professionals published by the American Bar Association, and co-authored Succeed With Senior Clients: A Financial Advisor’s Guide to Best Practices.