Friday, April 22, 2016

IRA May Have To Be Closed for ALTCS


IRA May Have to be Closed for ALTCS

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities.
Question: My mother has monthly income of about $1,400, about $1,800 in her checking account, and a small IRA with a balance of about $45,000. She needs long-term care, and I understand that Arizona Long Term Care System provides coverage to those with less than $2,000 of resources and less than $2,199 of monthly income. Will ALTCS count the IRA as part of my mom’s resources?

Answer: In Arizona, IRAs are treated as available resources for purposes of ALTCS eligibility. This being the case, your mother is currently ineligible due to the $45,000 that is in her IRA.
In order to qualify for ALTCS, then, your mother would have to first “spend down” the funds in her IRA. Of course, the issue with this is that money coming out of an IRA is taxable income, but it is very often the case that the benefits associated with qualifying for ALTCS greatly outweigh the potential tax obligation.
In your mother’s case, it seems all but inevitable that she will have to close her IRA in order to have funds for her care. Given that the money is likely to come out of the IRA one way or another, it makes sense to put a plan in place that will help your mother qualify for ALTCS before the money runs out.
If your mother closes the IRA and then spends the money without a plan, she will not only have a tax obligation, but will also be without the funds to pay for care while the ALTCS application processes.
As is always the case, timing is everything with these types of cases. Your mom should only close her IRA as part of a comprehensive plan to obtain long-term care coverage.

Richard White is an elder law attorney at JacksonWhite Attorneys at Law. For more information on Elder Law at JacksonWhite, please visit www.ArizonaSeniorLaw.com.

Friday, April 15, 2016

Why You Should Take Action on National Healthcare Day



Why You Should Take Action On National Healthcare Day

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Talk With Your Loved Ones On National Healthcare Day
First, what is National Healthcare Decisions Day? National Healthcare Decisions Day exists to inspire, educate and empower the public and providers about the importance of advance care planning.
It’s not easy to discuss planning for the “what if’s” in life, unfortunately it is not a matter of what if, but rather a matter of when.  We never know when a serious illness or accident will occur that would require us to make difficult and perhaps life changing medical decisions. It is important for all of us to be proactive and have heartfelt conversations, so we are prepared when a serious health crisis strikes. Knowing our loved one's wishes around health care decisions is a gift.
Where do I start? Starting this conversation can be challenging, here is a link that provides a wealth of information to help you get the conversation started.

Top 10 Healthcare Discussion Topics

  1. Medical Power of Attorney/Health Care Agent Designation
  2. Artificial Nutrition and Hydration
  3. Cardiopulmonary Resuscitation (CPR)
  4. Do Not Resuscitate (DNR)
  5. Managing Pain and at Life’s End
  6. Hospice and Palliative Care
  7. Severe Brain Injury
  8. Autopsy and Organ Donation
  9. Funeral Preferences
  10. Living Wills/Health Care Directives
When an emergency situation happens emotions run high, and we often question ourselves on whether we are communicating our loved one's health care wishes accurately. It is for this reason that it is important to document your wishes or the wishes of your loved one. Begin this conversation with your healthcare team or check your state’s attorney general website to download the State approved health care directives/living will documents. You can find your state website at www.naag.org.
It’s important to address these tough conversations now, so when a crisis does happen decisions have already been made, and everyone can focus their attention on providing the love and support needed.
We recommend you visit the National Healthcare Decision Day website, as it offers a wealth of information.
SYNERGY HomeCare
SYNERGY HomeCare is the premier provider of home care services. We strive to offer our clients the highest quality of life and independence possible. Call us today for a FREE in-home care assessment (877) 432-2692.
Visit us online @  www.SynergyHomeCare.com

Thursday, April 14, 2016

Maintaining Your Mental Agility


Maintaining Your Mental Agility
by Carla Sutter




When I was growing up Sunday mornings at my house included a newspaper and a pencil. My dad would lead the charge and attempt to complete the New York Times crossword puzzle. While we were never confident enough to use a pen; among the four of us we could answer enough of the puzzle to feel challenged and victorious all at the same time. Today, crossword puzzles have gone digital. In addition, there are a multitude of online as well as print games to keep every family engaged over a weekend. For the elderly poor eyesight, isolation, decreased dexterity and cognitive decline minimize the opportunity to participate in activities that challenge one's brain.

new study from the University of Texas explores the importance that mental challenges can have on sharpening the aging brain. Continuous learning opportunities is showing itself to be one of the mainstays of healthy aging and quality of life. SYNERGY HomeCare staff recognize the need for mental stimulation and ensure that our caregivers are not simply providing assistance with the activities of daily living such as: bathing, grooming, assistance with mobility and dressing, but just as importantly are offering brain engaging activities during their visits.

Caregivers are using technology to provide musical programs that are based on music therapy techniques. Programs such as MemVu.com which offers brain training programs personalized to the client can be added into the care plan. In addition, caregivers focus on re-engaging clients with social activities in their community, accompanying them to museums, lectures and family get-togethers; all activities that will stimulate the brain and enhance quality of life.

SYNERGY HomeCare is all about improving quality of life for our clients. You can use our Find a Local Agency tool at the top of this page or call our 24 hour number 877-432-2692 for help over the phone from our Care Team any time.

Carla Sutter
Carla, Director of Operations for SYNERGY HomeCare Franchisor, holds her Masters in Social work and is a Certified Advanced Case Manager with the NASW.  Carla has dedicated her over 25 year career to helping clients and families care for themselves and others whose needs are changing due to age or illness. She has provided training to companies and individuals throughout the United States and Canada.



Visit us online @ www.SynergyHomeCare.com 


Building Family Resources


Building Family Resources
by Carla Sutter

With the holidays just behind us and cold winter weather settling in around the country many of us are finding ourselves with extra time while we stay inside where we can relax in our comfy heated surroundings. Many of us find that this is a perfect opportunity to curl up with a good book, a magazine or maybe even a blog. You might be asking yourself "What kind of place can I find all of this goodness?" Lucky for you SYNERGY HomeCare has a way that you can do all of the above!

It is our goal to start building Family Resources for people who are looking for answers to difficult questions they're now facing concerning home care. These new resources include our quarterly magazine, two new guides, and some resources available here on our website and in social media.

SYNERGY HomeCare Magazine


You can now download our 2016 Winter issue of the SYNERGY HomeCare Magazine! Our quarterly publication is filled with useful tips and information for families, highlights on things related to SYNERGY HomeCare, and much more. Our Winter edition includes helpful tips on avoiding the flu this season; learn about both nutritional ways to boost your immune system along with CDC recommendations for vaccines to discuss with your physician.

Our FREE Family Guides
While you are on synergyhomecare.com browse through all of our free booklets and guides that are written for families whose lives are impacted by age or illness. We're offering two new guides for 2016:

Where Do We Begin? A Guide to Elder Caregiving
SYNERGY HomeCare's Guide to Elder Caregiving is a great resource for anyone who might be asking themselves "What do I do now?" when you find that a loved one needs daily living assistance that stretches your time budget.

Senior Scam Alert Guide
Our FREE Senior Scam Alert Guide identifies some of the most common scams that target seniors, along with common warning signs and information to avoid becoming a victim.

Our Online Family Resources
In addition to some trusted resources, this year we're building a cache of resources for you and your loved ones to browse through. From books and movies to online videos we're finding the best materials available to help you find media that speaks to your need. We'll have links available throughout the website soon that will point you to these resources as we develop them, for now feel free to browse our Media Room for these materials.

What We're Reading
This monthly segment will focus on book we have found for those of you facing a particular new difficulty that SYNERGY HomeCare specializes in providing care for. As with most things in life, adjustment periods can be made easier by knowing what to expect and seeing what others have done confronted with similar situations. For January we're focusing on Alzheimer's & Dementia, we put together a reading list for different age groups to cope with the struggles of a spouse, friend, and even grandparents and their grandkids.

Play it Safe
A guide to identifying the subtle warning signs your aging parent needs help.

"We need to talk"
A how-to guide on how to handle "the conversation" about your aging parents' home care needs.

Alzheimer's: What is happening to my loved one?
Basic knowledge of this baffling and tragic disease.

Social Media & Newsletters
We hope you're as excited as we are for these new resources. If you have any ideas for topics you would like to see find us on TwitterFacebook or Google+ and let us know what we should consider adding to our resources for any number of topics that families and caregivers could look to.

Don't forget to sign up for our monthly newsletter at the bottom of our home page while you're at it, we'll send an email right to your inbox so you can stay on top of these great new developments.



Carla Sutter
Carla, Director of Operations for SYNERGY HomeCare Franchisor, holds her Masters in Social work and is a Certified Advanced Case Manager with the NASW.  Carla has dedicated her over 25 year career to helping clients and families care for themselves and others whose needs are changing due to age or illness. She has provided training to companies and individuals throughout the United States and Canada.



Visit us online @ www.SynergyHomeCare.com 

Tips to Help Spouses Survive 4 Stressful Caregiving Situations


Tips to Help Spouses Survive 4 Stressful Caregiving Situations


A fraction of a second is all the time it takes for a tiny blood vessel in the brain to burst and cause a hemorrhagic stroke. But the consequences of that event can ripple far beyond the person who experienced it. In the blink of an eye, the person’s marital relationship can be changed from a more-or-less equal partnership into an unbalanced dynamic that causes stress in the marriage.
The caregiving conversation often revolves around adult children caring for aging relatives, but spouses get thrust into the caregiving role, too, due to a sudden illness like a stroke or a chronic condition like Parkinson’s disease. Spousal caregivers might face situations other caregivers do not, such as needing to renegotiate marital roles or deal with in-law issues.
Let’s look at some common scenarios spousal caregivers say they face—and some practical tips for coping with them.
Spousal Criticism
After Patricia’s husband had a stroke, he was no longer able to drive. As she commented in a CaregiverStress.com reader forum , “I am now the full time driver. He is very critical of my driving and everything I do. It is very frustrating and at times I don't know what to do.”
It can be hard not to take criticism personally, especially when it’s coming from your spouse. You might feel like a failure, like you can’t do anything right in your spouse’s eyes anymore.
When a spouse loses the ability to perform functions he used to do, he might feel like a failure, too. Sometimes that inability to contribute in the ways he used to could manifest as criticism of what you’re doing.
That doesn’t make incessant criticism right, but at least it might help you understand where your spouse is coming from.
To cope with unrelenting criticism, try renegotiating your marital roles:
·         Find things your spouse can still do, and then give him control over them. Just because your husband can’t drive, for example, it doesn’t necessarily mean he can’t pay the bills.
·         If your spouse can no longer perform tasks that require physical activity, find ways for her to contribute to strategy. For instance, if your wife cannot cook dinner anymore, let her plan menus instead.
If you can renegotiate your mutual roles so each spouse feels he or she is making a contribution to the household, you might find the criticism goes away.
In-Law Issues
Sometimes when a person becomes disabled due to illness or injury, his or her family members believe the decision-making process should include them. As a spouse, you might have to navigate some tricky political waters. Theresa found herself in this situation, commenting, “Trying to keep the peace with his siblings leaves me feeling hurt that I now have a new role in the family, almost like I'm an enemy.”
Some things to keep in mind:
·         As the spouse, you generally have every right to make decisions on behalf of your husband or wife regardless of whether or not your in-laws agree with what you’re doing.
·         Make sure you and your spouse have valid wills, living wills and power of attorney documents so there’s no question who has the legal right to make decisions on you and your spouse’s behalf should either of you become incapacitated.
·         Instead of dismissing your in-laws’ concerns out-of-hand, try to listen and understand their perspective. Perhaps a valid message is getting lost due to a clumsy delivery.
·         Try to find ways to invite your in-laws’ participation in the caregiving process so they feel they’re contributing to the situation in a positive way.
Juggling a Full-Time Job with Caregiving
It’s a myth, of course, that disability only affects seniors. When a disabling condition strikes a young person, the effects on the spousal caregiver can be devastating. As Laura said, “My husband is disabled, but not a senior, he's only 48! This is not what either of us thought our marriage would be like! I work full time and he has a home health aide, but as soon as I get home, I'm working again. I haven't found any support resources for a couple like us, in our forties.”
Tips to cope:
·         Turn to community resources for help. Contact your local Area Agency on Aging. Despite its name, your AAOA group likely will have lists of resources you can tap for respite care, home care and more, no matter your age.
·         Look to your faith community. It can be an excellent source of not only moral support but practical help as well. You might find many people willing to provide respite care, home maintenance and other types of assistance.
Loneliness
Your spouse is the one person you share everything with. If his medical condition now makes emotional intimacy impossible, you may begin to feel very alone in your marriage and your life.
Loneliness can put you at risk for medical ailments of your own. It’s imperative you eat well, exercise and continue to maintain a social life in order to stay healthy. Here’s how:
·         Keep healthful food in the house. Try to plan meals and snacks in advance so you don’t resort to grabbing junk food because it’s the only thing available.
·         If you can’t leave the house to take a walk or hit the gym, invest in one good piece of home workout equipment like a treadmill. This will enable you to reap the stress-busting rewards of exercise without the anxiety of wondering if your spouse is all right on her own while you’re away from the house.
·         Plan monthly or quarterly get-togethers with your friends for dining, shopping, card games or another fun activity. Arrange for a family member to take care of your spouse for the time you’ll be gone or obtain professional respite care  by a trained CAREGiverSM from Home Instead Senior Care®.
·         Participate in online communities, such as the Caregiver Stress Relief community on Facebook. Communing with others in a virtual setting can bolster your spirit, and you don’t have to leave home to do it.

All too often, the caregiving conversation revolves around children and grandchildren caring for aging relatives. But spouses provide the bulk of care when their husband or wife becomes ill or disabled at any age, and they face special challenges in providing care. If you can renegotiate your spousal relationship, maintain good relations with the in-laws and take time for self-care, you may find your caregiving life more rewarding than you’d imagined it could be. 

Wednesday, April 13, 2016

5 Tips That May Prevent Alzheimer's Disease





5 Tips That May Prevent Alzheimer’s
Today, one in eight Americans over the age of 65 live with Alzheimer’s disease.
This progressive brain disorder causes brain cells to degenerate and die, which results in a continuing decline in memory and other mental functions. Alzheimer’s literally shrinks the brain. Each year, Alzheimer’s costs 79,000 people their lives, making it the sixth leading cause of death. It also costs American society – $200 billion this year alone, according to the Alzheimer’s Association‘s projection.
Scientists haven’t yet discovered a proven way to cure or prevent the disorder, but recent research connects certain lifestyle changes with decreased chances of developing Alzheimer’s. Considering that these lifestyle changes will improve your physical health or mental function even if Alzheimer’s weren’t a concern, you have little to lose…
§  Exercise your brain.
Two studies published last week by the American Academy of Neurology support existing evidence of a connection between your mental activity now and your mental acuity later in life. In other words, keeping mentally active appears to preserve your mental skills, which may otherwise weaken with time. Examples of ways to challenge your brain include reading, playing board games, and doing crossword puzzles.
§  Exercise your body.
This tip is also backed by numerous studies – of mice and humans. The Mayo Clinic has even called exercise the “best bet” for preventing Alzheimer’s. Note, though, that “exercise” in this case means getting your heart rate up for at least 30 minutes several times a week.
§  Protect your health.
A study published by the American Academy of Neurology last year found that seniors who rated their health as poor had greater chances of developing Alzheimer’s or another form of dementia. A second study published last year found that even a modest reduction of certain medical risk factors – smoking, obesity, sedentary lifestyles, midlife high blood pressure, diabetes, and depression – could prevent 3 million cases of Alzheimer’s worldwide.
§  Protect your mental health.
A 10-year study published in the Archives of Internal Medicine in November connected poor psychological health (specifically depression and anxiety) to a greater chance of dying from Alzheimer’s Disease.
As if you needed another reason to relieve stress, “One possibility, the researchers propose, is that chronic levels of psychological distress may raise levels of the stress hormone cortisol. Persistently high levels of cortisol, in turn, may have toxic effects on the hippocampus, a part of the brain that is critical for memory.”
§  Learn a foreign language.
An article about the benefits of being bilingual, published in The New York Times last month, cited a recent University of California-San Diego study. It found that people with a higher degree of bilingualism were more resistant to Alzheimer’s disease and other forms of dementia. In other words, the more proficient you are at a second language, the later the disease onset.

Visit us online @ www.gomastercare.com

The Center at Arrowhead Physical Rehabilitation Center


Physical Rehabilitation

The Center at Arrowhead serves patients needing physical rehabilitation and/or complex nursing care.  Our highly qualified, caring staff provides care in a beautiful, hotel-like atmosphere to help our patients achieve strength and functionality.  With state-of-the-art equipment and unparalleled comfort and amenities, our physician-driven care plan is designed to maximize the quality of our care.
At The Center at Arrowhead each patient has access to physical, occupational, and speech therapy services.  Patients are provided up to 720 minutes per week, or an average of approximately 2.5 hours of therapy per day over a 5 day minimum.  You will have the opportunity to work with both a physical and occupational therapist as we know your recovery is very important.
Your physical therapists will address walking, range of motion, strengthening, balance, and management of stairs and/or inclines.  Your occupational therapists will address daily tasks that may have become quite challenging to you.  These specific tasks are activities such as showering, grooming, daily hygiene, dressing, cleaning, cooking, and laundry.  Occupational therapists also address balance issues, and upper body strengthening.  Depending on the status of your health, you may or may not need speech therapy services.  Speech therapists, also known as speech pathologists, address verbal and non-verbal communication deficits, cognitive functions such as medication management, check book management, and memory, and specialize in swallowing disorders also known as dysphagia.
During your stay here at The Center at Arrowhead you will be provided equipment needed to facilitate your rehabilitation.  These items may include a walker, wheelchair, and bedside commode.  While these items are for your use while you are our guest, we will be sure to get brand new ones ordered for you upon discharge if you are finding them necessary for use during your daily routine after you leave The Center.
Prior to your discharge, your therapist will offer you a home evaluation.  Usually this will occur several days prior to leaving our facility.  One of your therapists will follow you to your home for a brief visit at which time they will have you complete basic tasks in the home, and make recommendations for any home modifications or equipment you may need.
We look forward in assisting you in your full recovery and are honored you are considering The Center at Arrowhead to care for you.
Visit us online @ www.centeratarrowhead.com