Include Care Support in Your Retirement Planning

You’ve seen them in commercials, whether for vitamins, retirement communities or a health club: A group of friends, silver-haired but model-thin and in top health, stride energetically across the golf course, or sit around the pool looking great in their swimsuits. They hop out of their RVs to go rock climbing with their grandchildren. They dance the night away.

This is the expectation many of us have about our senior years. No rocking chair for us! If we take care of ourselves, eat right, exercise and follow a healthy-aging lifestyle, we will surely escape the disabling conditions faced by previous generations, right?

The reality is, no matter what steps we take to avoid chronic illness and disability, there are no guarantees. Consider a recent analysis by the U.S. government revealing that nearly 40 percent of people aged 65 and older are living with at least one disability. According to the “Older Adults With a Disability: 2008-2012” report, these seniors are challenged by declines in hearing, seeing, memory and mobility. Many have difficulty walking and climbing stairs. Many are challenged by getting to the doctor’s office or shopping, and by self-care tasks such as bathing and dressing.

While these predictions are sobering, they shouldn’t discourage us from making lifestyle choices that promote healthy aging. Instead, the numbers should motivate us also to include the possible need for care in our retirement planning. Said demographer Wan He of the U.S. Census Bureau, “The statistics provided in this report can help anticipate future disability prevalence in the older population. The figures can be used to help the older population with a disability, their families and society at large plan strategies and prepare for daily life tasks and old-age care.”

Consider that many chronic illnesses—such as arthritis, osteoporosis and vision loss—cause disability, but don’t necessarily shorten our lives. If we’re lucky enough to live to a ripe old age, we’ll continue to wish for good quality of life, no matter our health challenges. So it’s important to create a plan for whatever the future brings us:

Get your legal and financial ducks in a row. With the help of your attorney and/or financial planner, learn about strategies and sources of payment for healthcare and long-term care, such as Medicare, Medicaid, retirement accounts, reverse mortgage and privately purchased long-term care insurance. Organize your financial affairs and create advance directives for healthcare.

Share your thoughts with family. Let them know about the plans you are making and your preferences for care. Earlier is better than later when it comes to having those conversations—especially concerning who would provide care for you, and who would make financial and healthcare decisions for you if you were unable to do so.

Give your home an accessibility checkup. It’s never too soon to consider whether your current dwelling would work if you or your spouse were to become disabled. Would you be able to get into and around the house if you were unable to climb stairs? What modifications and improvements could make life easier if you had arthritis or visual impairment? As you plan, you’ll be pleased to discover that today, the emphasis is on “universal design” that creates an accessible home for everyone, with clever elegance in place of an institutional look.

Learn about support services that would allow you to live life to the fullest even if you’re living with a disability. Check out your local senior and disability services agency. Far in advance of the time when you might need them, find out about retirement communities, assisted living, long-term care and memory care facilities in the area. And don’t forget that much supportive care can be provided in your own home. Skilled home nursing services and adaptive home medical equipment are available. And lower-cost, nonmedical in-home caregivers can provide:

• Personal care and hygiene, such as bathing, dressing, grooming, toileting and assistance with transferring from bed to chair.
• Housekeeping and laundry services.
• Meal planning and preparation.
• Transportation to health appointments, shopping and activities.
• Medication reminders.
• Socialization and companionship.
• Memory care and supervision for clients with Alzheimer’s disease or other cognitive impairment.

For many seniors, professional in-home care is the ingredient that allows for maximum independence and highest quality of life. For extra peace of mind, hire through a reputable agency that performs background checks, handles taxes, carries liability insurance and can arrange for a backup caregiver if necessary.

It’s important to plan—not only for the future we want, but also for the future that life might bring us. Living with a disability doesn’t mean living an unfulfilled life. If you plan ahead, your future self will thank you, no matter what the future brings!

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Right at Home, Inc. is a national organization dedicated to improving the quality of life for those we serve. We fulfill that mission through a dedicated network of locally owned providers of in home care services.

About Right at Home of Central New Jersey

Right at Home offers in-home companionship and personal care and assistance to seniors and disabled adults who want to continue to live independently. The Right at Home of Central New Jersey office is a locally owned and operated franchise office of Right at Home, Inc., serving the communities of Middlesex and Northern Monmouth Counties.

For more information, contact Right at Home of Central New Jersey at http://www.rightathome.net/monmouth-middlesex/,  732-967-0900 or by email at beth@rahcentral.com.

Reprinted with permission from Caring Right at Home eNewsletter, http://www.caringnews.com. Copyright, 2015, IlluminAge Communication Partners

Talking About the End of Life

Most of us tend to avoid thinking about our own death. Yet studies show that people who consider their own mortality are more likely to make healthy lifestyle choices. Being in denial does not make us happier or healthier.

It is a good idea for all adults to periodically think about all the issues surrounding the end of life. Consider questions such as:

• Do you have a living will, a document where you state your wishes about the treatment you would and would not wish to receive if you had a life-limiting illness and could not speak for yourself?
• Have you asked someone to serve as your healthcare power of attorney (also called healthcare proxy or representative) to make medical decisions for you if you are not able?
• Are your legal and financial affairs in a state where someone can easily access the information and documents necessary to ensure a smooth transition of your estate?
• What are your preferences for a funeral or memorial service? Would you prefer burial or cremation? Do you wish to be an organ donor?
• What would you want to accomplish with the rest of your life?

These are all things best considered long before the subject takes on urgency. But as we grow older, it’s even more important to face the prospect of death honestly, to think about what’s most important for us to accomplish in the time we have left, and to spend our energy doing those things we want to do. There is so much that can bring closure, peace and a sense of accomplishment to the last stage of life. Even if our health condition is uncertain, there are things we can do to take control. Discussing our thoughts and wishes with family and others close to us is the best way to ensure that our wishes will be honored, and can be healing and life-affirming.

When families are struggling with these conversations, a caring professional may be able to help. Counselors, spiritual leaders, support groups and hospice professionals all offer experienced, supportive guidance to help the person and family spend their last days together with a sense of inner peace.

New resource provides structure for end-of-life discussions

NIHSeniorHealth (http://nihseniorhealth.gov) is the U.S. government’s consumer health and wellness website covering topics of interest to older adults and family caregivers. The senior-friendly site is tailored to the cognitive and visual needs of older people with short, easy-to-read segments of information, large print, captioned videos and simple navigation.

NIHSeniorHealth recently added a new module covering issues families face when a senior loved one approaches the end of life. The module was developed by Patricia A. Grady, Ph.D., director of the National Institute of Nursing Research. Dr. Grady explains, “Few of us are comfortable talking about death—our own or a loved one’s. While such reluctance is natural, it can leave people unprepared and uncertain of where to find answers, especially when they are needed most. Our goal with this module is to help people learn what to expect during the final stage of life so they can plan ahead.”

The end-of-life module offers easy-to-understand, reassuring information about the physical, mental and emotional needs of terminally ill seniors and their families, and suggests resources for maintaining quality of life, such as home care and hospice. It also addresses the often complex concerns that can attend death, including financial issues, advance directives and caregiver support. The experts offer advice about pain treatment, spiritual help, spending meaningful time with family and friends, coping with grief, and practical tasks when a loved one passes away.

None of us has complete control of the moment or means of our dying. However, choices can be made to help us experience this time with a sense of closure and inner peace, in the manner we prefer.

More Resources

The National Association of Area Agencies on Aging (n4a) offers the free online booklet “Let’s Talk: Starting the Conversation About Health, Legal, Financial and End-of-Life Issues“ to assist families in having these important conversations.

Columnist Ellen Goodman’s article “It’s Always Too Soon Until It’s Too Late: Advance Care Planning with Alzheimer’s” recently appeared in the Health Affairs Blog.

Right at Home, Inc. is a national organization dedicated to improving the quality of life for those we serve. We fulfill that mission through a dedicated network of locally owned providers of in-home care services.

About Right at Home of Central New Jersey

Right at Home offers in-home companionship and personal care and assistance to seniors and disabled adults who want to continue to live independently. The Right at Home of CNJ office of Right at Home is a locally owned and operated franchise office of Right at Home, Inc., serving the communities of Middlesex County. For more information, contact Right at Home of Central New Jersey at http://www.rightathome.net/middlesexnj/, 732-967-0900 or by email at support@rightathomeofcnj.com.

Reprinted with permission from Caring Right at Home eNewsletter, www.caringnews.com. Copyright, 2014, IlluminAge Communication Partners, www.illuminage.com.