Lottery/Sweepstakes: An Overview

If I were to open a crime college, a place to learn the fine art of thievery, one class that would assuredly be on the curriculum would be Advance Fee Frauds, commonly known as sweepstakes and lottery frauds. This con involves the victim being told the lie that money is coming their way (usually from lottery winnings, insurance refunds or inheritance) but a fee/tax/processing charge has to be paid first to receive it. This one scheme is responsible for more money being stolen in Hawai‘i than any other crime.

Tension over Intention

It is not just families who disagree about the interpretation of legal documents. There seems to be tension among estate planning attorneys in regard to recommending that clients write down their heartfelt intentions to accompany those documents. Many lawyers believe that it is the form that is most important — that the written legal language will communicate their client’s heartfelt wishes. Others believe that, no matter how carefully written, the form alone cannot transfer intention.

Educating Adult Children About Saving

Many parents, in addition to planning for their own future, care deeply about helping their children find their financial footing as they enter adulthood. Having spent decades building up their nest eggs for retirement, they recognize the power of long-term financial planning and hope their children will capture the same benefits by starting to invest while they are young. Convincing someone just starting off in their careers to set aside money for retirement — which to them, may seem like light years away — can be a tough sell.

Hiring a Private Caregiver Can Be Tricky

When hiring a caregiver, you may be tempted to try to make the process as simple as possible by treating the caregiver as a “private contractor.” You tell the person “I will pay you so much an hour, and you deal with the IRS and the State when it comes time to pay taxes.” After all, taking on the responsibilities of withholding taxes (and then paying the taxing authorities), buying Workers’ Compensation insurance, paying Social Security and Medicare tax, and all the rest, can be a real pain. However, the IRS and the State will take the position that the caregiver is an “employee,” that you are an “employer,” and that all the legal obligations that attach to those labels are applicable to your situation.

Workplace Insurance and Medicare

One question that is frequently asked by people about to turn 65 who have health insurance through an employer is: “Do I need to enroll in Medicare?” Good question! If you or your spouse are still working when you turn age 65 and have insurance through your employer you may consider delaying Medicare Part A and Part B until you retire if you have Creditable Coverage, which means coverage as good as Medicare. Or you can choose to elect your Part A, which is premium-free, and delay Part B until retirement. Depending on the size of the group, one plan would be primary while the other would be secondary.

Medicare News!

According to Kathryn Coleman, Director at the Centers for Medicare and Medicaid (CMS), a final rule issued in April 2018 has redefined the “primarily health related” supplement benefit definition. As a result, CMS expects Medicare Advantage plan sponsors to begin offering services for enrollees needing assistance with Activities of Daily Living (ADL) or Instrumental Activities of Daily Living (IADL).

Keeping Seniors Happy, Healthy & Strong

When a senior member of your family is in need of 24/7 care, it is fortunate that Hawai‘i has many professional, caring and dedicated homes and facilities to welcome them. What every family wants to know is: “Will my mom or dad be happy living in someone else’s home, eat right, and stay mentally and physically strong?”

From a Patient’s Point of View

People living with dementia (PLWD) have challenges with verbal communication: language comprehension, speech production, and vocabulary. But they are not unconscious to what is going on around them. Even as the brain declines, emotional intelligence is preserved. PLWD take in data visually rather than auditorily and react to what they think is happening. As caregivers we must remember that PLWD are really doing the best they can with the abilities they have left.

Being a Better Caregiver

Home healthcare providers are often asked what makes a better caregiver. The answer is that, while many factors come to mind, an interest in learning is high on the list, and essential to a caregiver’s progress. For example, an important role caregivers have is recognizing when an individual’s health condition is changing. Those who can reflect and learn from these changes often develop into better caregivers.

Healthy Aging and Hearing Loss

As we age, our hearing often loses its edge. Clinical research suggests that hearing loss can have a negative effect on some key measures of healthy aging as cognitive, physical and social functioning decline. A study by the National Institute on Aging indicates that people with untreated hearing loss are significantly more at risk of developing Alzheimer’s and dementia.

Rehab for Breast Cancer Recovery

October is National Physical Therapy Month and National Breast Cancer Awareness Month. Physical therapy may not be the first healthcare field that comes to mind when someone is undergoing cancer treatment, but physical therapists can play an integral role in promoting a speedy recovery and in assisting a return to previous levels of activity following surgery and radiation/chemotherapy treatments.

New Support for UH-Mānoa Athletes

If you attend any sports events involving the University of Hawai‘i’s Rainbow Warriors or Wahine, it soon becomes obvious that local kūpuna are among their most avid supporters. From attending home games, to donating to booster clubs, to picking thousands of flowers to make lei for the Women’s Volleyball Team, Hawai‘i’s seniors are with the athletes every step of the way.

Caregiving in the Cycle of Life

Former first lady Rosalynn was a caregiver herself and she believed that family caregiving is a cycle of life that touches everyone. Here, four people, each at a different point on the cycle, share their care stories from the heart, offering words of wisdom and points of caution. As you read, consider your journey on the Cycle of Caregiving. Where are you? Are you prepared?

Who’s Turning 65 This Year?

What do singer Cyndi Lauper, comedian Tim Allen, wrestler Hulk Hogan, attorney Marcia Clark and politician Jeb Bush have in common? They were born in 1953 and are turning 65 this year, along with many others who may not enjoy fortune or fame. Celebrity or not, if you share their birth year and you or a spouse/partner worked and paid Medicare taxes, you may qualify for valuable Medicare insurance benefits.

WANTED: Election Day Volunteers

The Office of Elections and county clerks of Hawai’i are looking for volunteers to help conduct the 2018 General Election on Tuesday, November 6.
More than 4,000 volunteers are needed to fill various positions on Election Day which include assisting voters at the polling place, transporting election materials and supplies, and resolving inquiries from the control center.

YMCA Health & Fitness Day at Kahala Mall

The YMCA’s National Senior Health & Fitness Day was enjoyed by many on Wednesday, May 30th, at the Kahala Mall. The YMCA thanked the Kahala Mall and Generations Magazine for their co-sponsorship of the day. A number of nonprofit organizations participated, as well as more than 30 Generations partners, who offered valuable information to seniors and their families.

Go For Broke

It’s taken local girl Stacey Hayashi more than 15 years to bring this story of the 100th/442nd and MIS to the big screen. Her dream — to perpetuate stories like this for today’s youth and for future generations — took perseverance and sacrifice, like that of the veterans she passionately honors with this film.

Our Care, Our Choice

Before you panic about the new “Hawai‘i Aid in Dying Law,” it’s a great law but not for the reasons you may think. Governor Ige signed the Our Care, Our Choice Act on April 5, 2018 and it will become law on January 1, 2019. The new law’s purpose is to establish a regulated process whereby a mentally competent adult resident of Hawai‘i with a terminal illness and less than six months to live may choose to end life with a prescription.

Mastering Change

Class reunions are poignant reminders of change. With each passing year, our classmates grow a little grayer, perhaps a little balder, and maybe a little more expansive at the midsection. Good thing we are not like our classmates, right? Actually, we are. Father Time is catching up with all of us. That sobering fact should inspire us to reflect each year on our estate plans and whether they still do what we want them to do.

Parting With Treasured Belongings

Have you heard these questions before: “How do I get my Mom to let go of her things?”, “Why does my Dad not want to get rid of his junk?” and “I’m not making much progress with them, what am I doing wrong?” Most times the answer isn’t black and white, as it really depends on the emotional attachment a person has to those items. Every item has a memory or a story that tugs at their heart, and for those reasons, they can’t get rid of them.

Is Assisted Living a Negative?

Despite the great advancements in retirement community resident care in recent years — some through government involvement, but most through business owners seeking to create a better quality of life for seniors — one of the challenges faced when discussing senior living options is the negative stigma that immediately comes to mind about “assisted living.”

Stepping Down Pain Free

Knee pain while descending stairs is often due to the force on your kneecap (patella), which studies show is 3.5 X your body weight. If you weigh 140lbs, the force on your patella can be as much as 490lbs! That is a lot of stress on your knee, and the pain will be magnified if you have weak muscles or degeneration of the cartilage in the joint.

Beware of ‘Spoofing’

Telephone scams have been around for years, even before the birth of the internet, and they are just as dangerous as their online counterparts. Because modern telephone networks use digital technology, it is easy for cybercriminals to manipulate what appears in the Caller ID to trick you into thinking you are receiving a call from a trusted source. This tactic is called “spoofing.”

Singing Seniors — Project Giving Back

Giving back. That’s the theme and the name of a special — and talented — seniors group who entertain other seniors as a way of giving enjoyment back to their community.

Project Giving Back is a group of 36 singers, ranging in age from 60 to 87, who are now in their 8th year of performing. Wayne Uejo is the founder and administrator of the group, overseeing the singers and coordinating the concert schedule at venues across O‘ahu.

Caregiving Overseas

Many family caregivers come home to Hawai‘i to assist aging parents. But how about caregiving overseas? When my mother died, Dad was 93 and slipping into dementia. His younger brother had retired to the Philippines, with his wife and insisted on providing care for his older brother, who had done so much for his family.

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