October – November 2018

October – November 2018

Former first lady Rosalynn Carter was a caregiver herself and she believed that family caregiving is a cycle of life that touches everyone. In this issue, 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.

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?

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