I’m trying to figure out how much to save for my retirement. Does the government offer any help with financial education? Will my son be eligible to receive benefits on his retired father’s record while going to college?
Meaningful employment is one of the best ways to keep fit in every way as we age — socially, mentally and even physically. But some of Waikīkī Community Center’s clients had difficulty finding employment. Retirees also found that the way people look for work has changed significantly. Others felt employers didn’t want to hire them due to their age. Many wanted to change career paths entirely. Therefore, WCC started Back-to-Work Force, a free service employment program focused on adults 50 and over.
Assistance is available for some people with limited income and assets who may be eligible for a program called “Extra Help.” It’s a Medicare health plan that assists in paying costs related to a Medicare prescription drug plan. This can include monthly premiums, annual deductibles and prescription co-payments. Extra Help is estimated to be worth about $4,900 per year. Many people qualify and don’t even know it.
Many seniors approaching retirement age have not built up adequate savings in their Social Security accounts. By finding employment before taking SS withdrawals, seniors can build up accounts and ensure a healthier retirement payments when the time comes. The Honolulu Community Action Program Inc. administers the Senior Community Service Employment Program for low-income seniors who meet the program’s eligibility requirements:
Are you caring for someone over 60 who is living at home? Then, Project Dana has a special program just for you, called the “Caring Giver Support Group” or CGSG. Using education and group training sessions, CGSG helps caregivers to better understand their loved ones while learning to care for themselves, as well. Group sessions are also a safe place to connect and talk story about the joys and frustrations of being a caregiver.
With National Caregivers Month quickly approaching, let’s remember former First Lady Rosalynn Carter, who said it best in 2012—“There are only four kinds of people in the world: those who have been caregivers, those who are currently caregivers, those who will be caregivers and those who will need caregivers.” As a caregiver, what questions should I ask to help me assess the best Medicare Advantage (health plan) possible?
Most men seem to have little knowledge about prostate cancer, even though it is one of the most common cancers found in men in the U.S. Until diagnosed, most of us tend to ignore the issue entirely. I was no different some six years ago — before I was diagnosed with aggressive prostate cancer. I was in denial, even though I was symptomatic. I convinced myself that I knew better and self-diagnosed what I thought was simply an enlarged prostate. Little did I know I was about to embark upon an adventure and steepen my learning curve on the topic.
Hawai‘i has 268,000 Medicare beneficiaries in 2019 — nearly 19 percent of the state’s total population. About 45 percent of Hawai‘i’s beneficiaries select Medicare Advantage plans. The remaining 55 percent are covered under Original Medicare. Every year during Medicare’s Annual Election Period, Medicare beneficiaries can add, drop or switch plans. Medicare health plans and prescription drug plans can change in cost, coverage and services every year, so look at your plan’s coverage for 2020 and compare it with other plans.
According to the Centers for Medicare and Medicaid, more than 59 million people in the United States have Medicare. That number is expected to grow to close to 80 million by 2030. Currently, people 65 or older and younger people with disabilities who meet all other eligibility requirements may qualify. Therefore, it is important to start becoming familiar with Medicare terms and definitions. Here are a few.
My child who gets Social Security will be attending his last year of high school in the fall. He turns 19 in a few months. Do I need to fill out a form for his benefits to continue? Yes. You should receive a SSA-1372-BK form in the mail about three months before your son’s birthday. Your son needs to complete the form and take it to his school’s office for certification.
Our parents may have had an easier time than many of us do now. When they turned 65 years old, they were eligible for full Social Security retirement benefits and Medicare. Today, depending on the year you were born, your full SS may not take effect until you are 67, so you may continue to work and you’re eligible for Medicare. So what should you do?
Maui Economic Opportunity administers more than 40 programs and provides tools to help people and change lives through five departments: MEO Business Development Center, Community Services, Early Childhood Services, Transportation Services and Youth Services. Services for low-income seniors are at the core of MEO programs, administered through MEO Community Services.
I’m planning to retire next year. I served in the Navy back in the 1960s and need to make sure I get credit for my military service. What do I need to do?
Most people use new or upgraded versions of cars, phones, appliances and all sorts of gadgets to manage their daily lives. Yet, they seem surprised to learn of a loved one’s, a friend’s or their own need for a medical procedure to maintain or improve functional capabilities. The need for a knee or hip replacement or cataract surgery comes as a shock or a hardship.
Long-Term Care Ombudsmen are advocates for residents living in nursing homes, assisted living facilities, adult residential care homes, expanded adult residential care homes and community care foster family homes. We are NOT the state inspectors and do not write deficiencies or issue fines or citations. Our focus has always been on quality of life and quality of care issues — advocating for all our residents so their rights can be honored and protected.
Since 1989, ALU LIKE’s Elderly Services Department, Ke Ola Pono No Nā Kūpuna (KOPP), has provided nutrition and supportive services (recreation, education, promotion of well-being) to independent Native Hawaiians 60 years of age or older on the islands of Hawai‘i, Kaua‘i, Maui, Moloka‘i and O‘ahu. Today, there are 18 site locations statewide.
Lanakila Meals on Wheels, a program of Lanakila Pacific, works with registered dietitians and chefs to ensure their healthy and delicious meals meet or exceed USDA nutrition guidelines while addressing the age-related dietary needs of seniors.
Did you know Medicare coverage includes preventive services? Contact your doctor for more information and to schedule recommended preventive screenings, care, and to participate in educational classes. (Cost sharing and other limitations may apply.)
My Social Security gives you a personal online account you can securely use to check your Social Security information and do business with us. With a my Social Security account you can perform a variety of tasks.
The general enrollment period for Medicare Part B, medical insurance, begins January 1 and runs through March 31. Keep in mind that, although there is no monthly premium for Medicare Part A, there will be a premium for your Medicare Part B. And in most cases, that premium goes up each 12-month period you were eligible for it and elected not to enroll.
In 2019, a new Medicare Advantage Open Enrollment Period, from January 1 to March 31, will begin and is expected to run annually. If you’re enrolled in a Medicare Advantage Plan, you’ll have the opportunity to switch to another Medicare Advantage Plan or to Original Medicare Parts A and B.
Although improved fitness plays a significant role in improving overall health and reducing your risk for disease, Medicare usually does not cover exercise classes or the services of a personal trainer. However, when medically necessary, Medicare Part B may cover occupational and physical therapy, which could include some exercise and fitness training.
Falling isn’t fun for anyone, but as we get older falling can have serious, life-changing effects. These injuries can require skilled nursing care — or worse, falls can be fatal. The good news is that falling can often be prevented.
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.
Social Security benefits are paid each month. Generally, new retirees receive their benefits on either the second, third, or fourth Wednesday of each month, depending on the day in the month the retiree was born.
Volunteering is a popular antidote to feelings of isolation that can occur as we age. Here are two programs that enable seniors to share their time and skills with younger generations.
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).
Q: I’m trying to decide when to retire. Can Social Security help?
A: The best place to start is with a visit to the
online Social Security Statement. The statement provides you with estimates of benefits for you and your family as well as your earnings record and information you should consider about retirement and retirement planning.
The Big Island again finds itself dealing with a large number of people displaced by a lava event. “The fast-moving lava flow from Kīlauea volcano on May 3, 2018, forced 1,500 residents out of their homes and in search of shelter,” says Kimo Alameda, County Executive on Aging.
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.
I’m applying for disability benefits. Do I automatically receive Medicare benefits if I’m approved for disability benefits?
Recognizing the growing burden of Alzheimer’s disease and other dementias, the U.S. Centers for Disease Control and Prevention (CDC) and Alzheimer’s Association launched “The Healthy Brain Initiative” in 2013 to improve the diagnosis of dementia, and find and institute preventive measures.
Aging is a natural process that no one wants to face alone. Many people choose to live alone in their home as they age, but find themselves depressed, lonely and not eating right. There are many benefits to living in a retirement community.
Hawaii Five-0 flawlessly executed the eighth season’s Sunset on The Beach premiere. The event attracts thousands of fans from across the world, cheering as the cast arrive at the red carpet, like former Honolulu resident Judy Glassmaker, who returns every year and who grew up watching the original series.
In 2017, Hawai‘i legislators and Gov. David Ige created the Kupuna Caregivers Program. This program helps family caregivers who work at least 30 hours per week outside the home by providing a $70-per-day benefit in services that could help make home caregiving for aging family members more affordable.
Yoko Futa, an 83-year-old former clerk for the Dept. of Transportation, volunteers for about 10 hours a week, helping patients at Queen’s hospitals. Yoko Futa is a member of The Queen’s Medical Center’s Volunteers in Place program, a way for community-minded people and groups to serve at home, centers or sites.
The Retired & Senior Volunteer Program (RSVP), one of the largest senior volunteer networks in the U.S., is one of three Senior Corps programs funded by the Corporation for National and Community Service, a federal agency that supports service and volunteering.
Many of these supporters dutifully provide care without complaint. Yet, demands may start to take a toll and their own health may be compromised.t’s estimated there are more than 150,000 unpaid family caregivers in Hawai‘i. These valuable helpers are typically women in their early 60s who are caring for their husbands or elderly parents while still working. And that doesn’t take into account those who may occasionally care for their grandchildren, as well.
The City and County of Honolulu offers a real property tax credit to property owners who meet certain eligibility requirements. If you qualify, you are entitled to a tax credit equal to the amount of taxes owed for the current tax year that exceed 3 percent of the titleholders’ combined gross income.
Henry Ford once said, “Anyone who stops learning is old, whether at 20 or 80; anyone who keeps learning stays young.”
Na Kupuna is a program that provides seniors an opportunity to do just that. As a part of the University of Hawaii’s Student Equity Excellence Diversity (SEED) initiative, Na Kupuna opens up college courses to seniors age 60 and older, which they can attend for free. About 650 senior citizens take advantage of this program every semester!
Medicaid Program To the Rescue by Cassandra Stewart, Executive Director, Cardon Outreach from the Oct-Nov 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
‘Silent Teachers’ Help Future Doctors by Steven Labrash, CFSP, Director UH Willed Body Program from the Oct-Nov 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
We Salute Veterans Every Day by Jane Yamamoto-Burigsay, Social Security Public Affairs Specialist in Hawai‘i from the Oct-Nov 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
How to Chill Hot and Spicy by Annette Pang, Relationship Life Coach from the Oct-Nov 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
Choosing Extended Care by Hope Young, Kokua Care, Director of Care Services from the DecJan 2017 issue of Generations Magazine, Hawai‘i’s Resource for Life
To ‘B’ or Not to ‘B’ by Martha Khlopin, Host of “Medicare Moment with Martha” from the Oct-Nov 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
The Sons & Daughters of the 442nd RCT by Stephanie Kim, Generations Magazine Intern from the Oct-Nov 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
Team Huddle and Huckleberry Pie by Annette Pang, Relationship Life Coach from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
From Woodstock to Medicare by Martha Khlopin, Host of “Medicare Moment with Martha” from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
Social Security Benefits Outside the U.S. by Jane Yamamoto-Burigsay, Social Security Public Affairs Specialist in Hawai‘i from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
Missions of Help and Hope by Stephanie Kim, Generations Magazine Intern from the August-September 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
Expanding End-of-Life Options by Mary Steiner, Campaign Manager, Compassion & Choices Hawai‘i
Preventing & Resolving Family Conflicts by Tracey S. Wiltgen, Executive Director, The Mediation Center of the Pacific from the June-May 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
Sentimental Journals by Annette Pang, Relationship Life Coach from the June-May 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
Medicare: Don’t Leave Home Without It! by Martha Khlopin, Radio Host of “Morning Drive With Martha” from the June-May 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
Exercise Your Reading Muscles This Summer by HSPLS Library Development Services Staff from the June-May 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
American Cancer Society Builds Hope by Cathy Alsup, CFRE, American Cancer Society Hawai‘i Pacific from the June-May 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
Hawai‘i Alzheimer’s Disease Initiative by Christy Nishita, Ph.D., Interim Director and Researcher, UH Center on Aging from the June-May 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life
SSA News for Same-Sex Couples by Jane Yamamoto-Burigsay, Social Security Public Affairs Specialist in Hawai‘i from the June-May 2016 issue of Generations Magazine, Hawai‘i’s Resource for Life