Category: Dec 2018 Jan 2019

How to Avoid ‘Donating’ to Scammers
[et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text]With all the natural disasters happening throughout the world, unscrupulous scammers are looking to take advantage of our empathy and generosity as we seek ways to help the victims of those disasters. These scammers will be soliciting donations using telephone messages, emails, and even social networking services like Facebook. They will be claiming to represent charity organizations which are completely fictitious or even claim to represent or be connected to legitimate charity organizations such as the Red Cross. If you decide to donate to any charity organization, you need to do your homework.

Verify if in fact the organization you are donating to is accepting donations for the specified charity.

If so, make sure the mailing address to send the donation is accurate.

Try not use a credit card or a debit card. Preferably send a cashier’s check from your bank and not from your personal checking account.

If donating via an online service like GoFundMe.com, again make sure the charity is legitimate and be cautious about giving personal financial information, like credit/debit card numbers, PIN numbers, etc.

Be very wary if they ask for donations ONLY using Western Union.

And finally, legitimate charity organizations do not solicit donations in the form of gift cards.

THE DEPARTMENT OF THE PROSECUTING ATTORNEY 1060 Richards St., Honolulu HI 96813 808-768-7400 | Office hrs: Mon – Fri, 7:45 am – 4:30 pm www.honoluluprosecutor.org/contact-us/[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]
With all the natural disasters happening throughout the world, unscrupulous scammers are looking to take advantage of our empathy and generosity as we seek ways to help the victims of those disasters. These scammers will be soliciting donations using telephone messages, emails, and even social networking services like Facebook.
Please, Make the Time to Visit

When my father-in-law “Gramps” had a stroke, he spent time at the hospital, rehab, and then a nursing home, before finally being able to return to his house. During those months of recovery away from home, my family made every effort to visit him daily. Between my wife, brother-in-law, mother-in-law and myself, we were pretty successful in making sure he would have the company of a loved one every day.

We did this initially because we didn’t want Gramps to feel alone. Eventually, however, we discovered that he was getting better care and more attention from the staff because of our visits. When we walked into the facility, it would coincidentally seem to be at the exact time for the staff to check on Gramps. Once they saw one of us walking down the hall towards his room, they would leave their duty station and follow us inside, telling us all the details of his care as they fluffed his pillows and made sure he was comfortable.

We could not help but notice, however, that his roommate and other patients did not get the same treatment. They were either lying in bed all day in
silence or sitting in a wheelchair parked outside in the hall watching us come and go with lonely stares.

Over the years, I have gotten many calls from people suspecting abuse or neglect of loved ones at care facilities. During these conversations, I would always ask them when was the last time they saw their loved one before the alleged abuse. I did this to get an idea how quickly the neglect occurred or see if there were signs of abuse witnessed.

Despite my intentions, however, the callers would get defensive, relating various reasons why they were not more attentive nor visiting that often. Their reasoning was that if the place did their job correctly, they wouldn’t have to check on things themselves and visit that often. And while this is true in theory, the reality is that there are some care facilities that are understaffed or have employees under trained and a regular visit could detect such problems if they exist.

While I am sure that the majority of residential facilities provide quality, attentive care, more and more instances of the opposite happening are coming to my attention. Recently, the Honolulu Medical Examiner’s Office called me, concerned with the number of bodies they were receiving from such places whose cause of death could only be attributed to “extreme neglect”. Additionally, the Long-Term Care Ombudsman has some concerns about oversight and care of seniors in facilities and has invited our office to join them in examining the problem.

In the meantime, I urge family to always make the time to visit loved ones. No amount of money spent for care is a substitute for actually being there yourself. Your visits will not only be appreciated, but also noticed.

To report suspected elder abuse, contact the Elder Abuse Unit at 808-768-7536 | ElderAbuse@honolulu.gov

When my father-in-law “Gramps” had a stroke, he spent time at the hospital, rehab, and then a nursing home, before finally being able to return to his house. During those months of recovery away from home, my family made every effort to visit him daily. Between my wife, brother-in-law, mother-in-law and myself, we were pretty…
Understanding Grieving Styles

There is no “good grief” or “bad grief”— there is only grief. Drs. Kenneth Doka and Terry Martin* suggest that there are two types of grievers: “instrumental” and “intuitive.” Neither type is deficient; only different. Understanding the difference can allow family members to empathize with, rather than attribute bad motives to, another family member.

It is critical, at this moment when the loved one is gone and the estate administration starts, that we seek to understand each family member’s grieving style, as how we act at this highly sensitive moment can lead to family harmony or fracture for years to come.

So, before you get mad at your sibling for wanting to “get it over with” or “not wanting to have anything to do with it,” try to understand your sibling’s grieving style, as it is this empathy for your sibling that can foster loving relationships in this difficult time.

Stephen B. Yim, Attorney at Law
2054 S. Beretania St., Honolulu HI 96826

808-524-0251 | www.stephenyimestateplanning.com

*Drs. Kenneth Doka and Terry Martin, “Grieving styles: Gender and grief” Grief Matters Winter 2011, pp 42-45

There is no “good grief” or “bad grief”— there is only grief. Drs. Kenneth Doka and Terry Martin* suggest that there are two types of grievers: “instrumental” and “intuitive.” Neither type is deficient; only different. Understanding the difference can allow family members to empathize with, rather than attribute bad motives to, another family member.
Setting Financial Goals You Can Keep

Setting New Year’s resolutions is a tradition for millions of Americans who see January 1 as a fresh start. However, we all know how easy it is to have resolutions fall to the wayside as the year progresses.

Fortunately, if the goal you have in mind is a financial one, there are ways you can break it down into steps that will keep you motivated and on track to achieve it. Here are some tips to help you set attainable goals:

Setting aspirational goals, such as living the life you want in retirement or taking a coast-to-coast road trip, is exciting and can be a great place to start. Yet, broad goals can quickly become overwhelming, so tangible ones can help you keep the commitment. The best way to make your dreams a reality is to break each goal into small, specific tasks that are realistic to accomplish this year.

You’re not alone if you have a myriad of financial goals. However, it can be hard to achieve them all without focus or unlimited resources. Pick one or two goals, tailoring your savings, time and resources accordingly. If you have competing priorities such as saving for your child’s education and retirement, create a plan that will help you make measurable progress toward both. Remember, incremental changes (or savings) made over time can make a big difference in the long run.

Strengthen your resolve by anticipating events and triggers that might derail you from your goals such as overspending on dining out or purchasing that is outside of your budget. Be as specific as possible, and brainstorm strategies to overcome these potential obstacles. This mental exercise will help you
be more aware and better equipped to resist
temptations.

Without target dates in mind, goals tend to drift. As you set deadlines for each task, consider adding a reminder on your calendar so you keep the goal a priority throughout the year. If you fall short of what you want to accomplish, don’t give up. Adjust your dates and get back on track.

If you’re married or in a committed relationship, involve your spouse or partner in financial goal setting. If your goal is a family affair, consider including your children in the process. Your children can benefit from watching you make smart financial choices. With everyone on the same page, you can support one another and overcome obstacles together.

Share your goals with your financial advisor, tax professional or estate planner, as appropriate. These specialists may be able to suggest additional strategies to help you reach your goals, while being mindful of your other financial priorities.

MICHAEL W. K. YEE, CFP

1585 Kapiolani Blvd., Suite 1100 Honolulu, HI 96814
808-952-1222, ext. 1240 | michael.w.yee@ampf.com

Michael W. K. Yee, CFP®, CFS®, CLTC, CRPC ®, is a Private Wealth Advisor, Certified Financial Planner ™ practitioner with Ameriprise Financial Services, Inc. in Honolulu, HI. He specializes in fee-based financial planning and asset management strategies and has been in practice for 31 years.

Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.

Ameriprise Financial Services, Inc. Member FINRA and SIPC.

©2017 Ameriprise Financial, Inc. All rights reserved. File #1952908

Setting New Year’s resolutions is a tradition for millions of Americans who see January 1 as a fresh start. However, we all know how easy it is to have resolutions fall to the wayside as the year progresses. Fortunately, if the goal you have in mind is a financial one, there are ways you can…
Who Gets my Stuff?

Is estate planning really all about “who gets my stuff”? Your assets may be important, but when you sift through the reasons for doing estate planning, you may find that identifying who gets your stuff takes a distant back seat to far more important considerations.

For one thing, no matter how important your stuff is to you, your health and well-being are far more important. There could come a time when you cannot make or communicate decisions about your person and your care. Having your hand-picked decision-maker designated in your advance health care directive could make all the difference between family harmony and a peaceful exit, on the one hand, or a complete nightmare at the end of your days.

Fortify your interest

When it comes to your stuff, part of staying in control involves protecting it from creditors, predators, and plain old bad luck. Think of your estate plan as a castle. Imagine a large stone enclosure surrounded by a moat. In the old days, the moat would be stocked with alligators to discourage anyone from approaching the walls. With your present-day estate plan, you can stock the moat with a different kind of gators: litigators — attorneys paid for with insurance — to protect you from people who would like your stuff to be their stuff. Having adequate liability insurance is a critical element of your estate plan.

The walls of your castle represent various legal structures you can put in place to protect you, your home, your business, your rental properties, and your other assets. The legal structures for protecting your stuff might include trusts, limited liability companies, corporations, limited partnerships, or a combination of entities. You can also consider using a special kind of ownership with your spouse called tenancy by the entirety to protect your stuff from claims against one spouse, and to make it so that both spouses must agree to any mortgage, sale, or other transfer of the tenancy by the entirety property.

Ultimately, you will want your estate plan to assure that your stuff goes to whom you want, when you want, the way you want, with the lowest overall cost, delay, and loss of privacy. You may want to put special restrictions on a gift to one beneficiary without imposing the same restrictions on your other beneficiaries. You might have special assets or special situations (including a special needs loved one) that require careful planning. The only way to navigate the alternatives is with the help of experienced counsel who can educate you as to the available options and help you pick the ones that are right for you and your loved ones. Good counsel can help you build the castle that is just right for your situation.

Thinking of your estate plan as your castle helps you to zero in on your true values and objectives when it comes to making arrangements with your assets that will put you and your loved ones in the best possible position when something bad happens in the future.

SCOTT MAKUAKANE, Counselor at Law
Focusing exclusively on estate planning and trust law.

www.est8planning.com
808-587-8227 | maku@est8planning.com

Is estate planning really all about “who gets my stuff”? Your assets may be important, but when you sift through the reasons for doing estate planning, you may find that identifying who gets your stuff takes a distant back seat to far more important considerations.
Medicare Q&A

Q

I didn’t enroll in Medicare Part B back when my Part A started a few years ago. Can I enroll now?

A

It depends. 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. If you are covered by a group healthcare plan based on your employment or the employment of a spouse, you may qualify for a special enrollment. For more information, please read our “Medicare” booklet, or talk to your personnel office before you decide.

Q

What can I do if my Medicare prescription drug plan says it won’t pay for a drug that my doctor prescribed for me?

A

If your Medicare prescription drug plan decides that it won’t pay for a prescription drug, it must tell you in writing why the drug isn’t covered in a letter called a “Notice of Denial of Medicare Prescription Drug Coverage.” Read the notice carefully because it will explain how to ask for an appeal. Your prescribing doctor can ask your Medicare drug plan for an expedited redetermination (first level appeal) for you, if the doctor tells the plan that waiting for a standard appeal decision may seriously harm your health.

To find out more about Medicare, visit online at:
www.medicare.gov | www.socialsecurity.gov/medicare

For visits and appointments at your nearest SSA office,
call from 7am–5pm, Mon–Fri: 1-800-772-1213 (toll free)
or visit www.socialsecurity.gov

Medicare booklet:
https://www.ssa.gov/pubs/EN-05-10043.pdf

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…
Medicare Has Made Some Changes!
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. You can also sign up for a standalone Medicare Part D Prescription Drug Plan (if you are covered by Original Medicare), or drop your Medicare Part D Prescription Drug Plan altogether. If you are happy with the plan you have, and your plan renews, you do not have to take any action and your existing plan will continue.

OPEN ENROLLMENT January 1- March 31, 2019

For those qualifying at age 65 or due to a disability, you may have a different enrollment period. Best to call Medicare to get information about your specific situation. There is no “one size fits all” with Medicare.

Get more information:

Visit www.medicare.gov

Call Medicare at
1-800-Medicare, 24/7 daily

Contact your local State Health Insurance
Program (SHIP) for unbiased advice.

MEDICARE MOMENT WITH MARTHA
A radio program with Martha Khlopin
KHNR-690AM: Sundays 9:30am–10am

808-230-3379 | getmartha@aol.com
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.
Before the Finish Line: Medicare & Fitness

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. This coverage only applies if your physician specifically prescribes the therapy.

Medicare Part B helps pay for physical and occupational therapy deemed medically necessary by your doctor. He or she must prescribe and regularly review the therapy, which must be provided by a Medicare-certified therapist on an outpatient basis. There may be limits or a cap on the total amount of therapy services you can receive without additional approval from Medicare.

Medicare Advantage (MA) plans (also known as Medicare Part C) must offer at least the same coverage as Original Medicare. They may also offer extra benefits, including exercise program coverage. MA plans are not required to offer that benefit, so first research plans at https://www.medicare.gov/find-a-plan or call the Hawaii SHIP Program on 1-888-875-9229.

Most important is to work with your partner physician to improve your physical lifestyle and get ready for that big race!

Kaiser Permanente Hawaii

www.kpinhawaii.org | 1-866-973-4588 (toll free)

Kaiser Permanente Hawaii is an HMO plan with a Medicare contract but does not represent Medicare in any way.

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.
Prevent Falls at Home with Free Assessment

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.

Prevention help is free

The good news is that falling can often be prevented. Since 60 percent of falls occur at home, making sure you are as safe as possible there is a top priority. You can get a fall prevention assessment for free from the highly experienced volunteers at Project Dana.

In the past year, more than 100 seniors and their caregivers took advantage of Project Dana’s fall prevention services led by Mike Hirano. Mike has been doing home safety assessments for 11 years and knows this proactive approach can help maintain health and independence. However, Mike says, “Some people don’t think it will happen to them or some don’t want to admit they’ve fallen to their caregivers.” The reality is, as Mike explains, “You can be perfectly healthy, but one bad fall can put you flat on your back in bed. It’s difficult for a caregiver to take care of someone in that situation.”

Bars and handrails

Clear the clutter

Manage Medications

Assessments cover high-risk issues

According to the Hawai‘i State Department of Health, the risk of falling can be decreased with regular exercise, eye exams, medication reviews, and making one’s home safer.

The Project Dana assessment includes education about how these areas affect fall risk. For example, over-the-counter medications can interact with prescription medications. This can cause someone to become dizzy or drowsy and lose balance. Mike and his team emphasize discussing any new medication or vitamin supplement with a pharmacist or physician.

The assessment also includes walking through the house to identify issues. Mike says, “Some things we see everywhere, like loose area carpets by a door or in the bathroom. Unless you have one with non-slip backing, you can slip or trip over it.”

There is a special focus on areas where people spend most of their time and the pathways between those areas. Homes with a lot of clutter are especially high-risk environments.

“We give them information and if they think it’s serious enough, hopefully they do something about it,” says Mike. “It’s good if caregivers are there, so they can help accomplish the tasks.”

PROJECT DANA

2720 Nakookoo St., Honolulu HI 96826
808-945-3736 | info@projectdana.org

Office hrs: Monday–Friday, 8 am–5 pm

Project Dana has affiliates on O‘ahu, Big Island, Maui and Kaua‘i. Please call for details.

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.
Preparing for the Unexpected

An unexpected life-changing situation can happen in an instant. One minute you’re at a friend’s home, getting ready to enjoy watching UH football, then you slip and fall, and feel excruciating pain. Hours later, on a trip to the emergency room, you learn that you fractured your hip or, even worse, your spine.

The sudden changes in your life can include loss of income from missing work, high medical bills, and costs for prescription painkillers. You may also need a caregiver to help with simple things like meal prep, dressing, driving to medical appointments and picking up your medications, potentially impacting the lives of family and friends who want to help you.

Be prepared!

✤ Talk to your family and closest support system before the unexpected happens.

✤ Research home care costs.

✤ Consider purchasing short-term disability insurance to offset income loss.

✤ If you have temporary disability insurance (TDI) through your employer, ask how much you would qualify for.

✤ Brainstorm options that can help offset your living expenses, even with TDI.

Don’t delay! Unexpectedly making your support system “instant caregivers” without having a plan in place can be very stressful for everyone. n

CARE CENTER OF HONOLULU
1900 Bachelot Street, Honolulu HI 96817

808-531-5302 | www.ccoh.us

An unexpected life-changing situation can happen in an instant. One minute you’re at a friend’s home, getting ready to enjoy watching UH football, then you slip and fall, and feel excruciating pain. Hours later, on a trip to the emergency room, you learn that you fractured your hip or, even worse, your spine.
It is Okay to Ask : ‘How Are You Doing?’

When was the last time someone asked how you, the caregiver, are doing? I’m rarely asked that question and I’m wondering if it’s just me.

Almost everyone who knows my husband always asks, “How’s Gar doing?” I keep it short because the real answers aren’t what many really want to hear. I sometimes want to say, “he’s disappearing from me more and more each day.” That I miss our old life together. That his everyday skills are getting more difficult to do and I spend much of my time re-doing things he has tried to do. I don’t know why I want to tell the truth. Maybe it’s because each day can be a challenge and because I seem to be able to “handle” things myself, daily life LOOKS the same each day but in fact it is not. Maybe I want to say that I could use some help but I’m not sure what they could do to help. Maybe I just want to be on someone’s radar.

Please don’t misunderstand me. I don’t want to sound ungrateful when they ask how he is doing. I’m pleased that he is in their thoughts and that they are concerned about him. I am also not seeking out unnecessary attention.

“We are doing double duty by trying to care for them and ourselves, think for them and ourselves, prepare for them and ourselves.”

I have a few wonderful friends who do ask how I’m doing. One in fact texts me if she hasn’t seen me or talked to me in a while and I love getting that text. I want to be visible as an individual and not solely as a caregiver. Don’t get me wrong — I don’t want to give up my job as caregiver but I also don’t want to morph into an abstraction of myself.

As caregivers we reap the benefits of being of service, in a very personal way sometimes, to those that we love. But as the disease/disorders/illnesses rob our loved ones of the spontaneity, intimacy, and active partnership we once had, it also robs us as the caregivers. Our world changes differently than those that we are caring for. We are doing double duty by trying to care for them and ourselves, think for them and ourselves, prepare for them and ourselves. It may look seamless to others but for caregivers it can be grace under fire. It takes a lot out of you and can age you faster than the person who you are caring for.

So here’s my plea: if you know a caregiver don’t assume that they would ask if they needed help. Send the Bite Squad over with a fresh meal, pool resources from friends to gift a massage, take the person receiving care to the movies or a park for the afternoon, flowers are also nice as well as cards and texts. We just want to be visible and on your radar.

“We are doing double duty by trying to care for them and ourselves, think for them and ourselves, prepare for them and ourselves.”

PAC HUI

www.pachuihawaii.com

As caregivers we reap the benefits of being of service, in a very personal way sometimes, to those that we love. But as the disease/disorders/illnesses rob our loved ones of the spontaneity, intimacy, and active partnership we once had, it also robs us as the caregivers. Our world changes differently than those that we are…
About Transitional Care

Today, more seniors are receiving care in their homes for medical conditions. Many receive it following a hospitalization or discharge from a rehabilitation center and have complex needs. Seniors who require them may have difficulties adjusting to their care and can benefit from transitional care during this period.

Falling through the cracks

Transitional care calls for a range of actions to avoid “gaps,” especially for older adults who are more vulnerable, in care. Seniors cared for by multiple providers, located across different settings, can often have more serious care needs and health risks. Examples can include movement to or from a hospitalization, rehabilitation or skilled nursing facility, care home, assisted living facility, doctor’s office, or an individual’s home. During these moves, a loss of information, educational or language barriers, poor communication, or not having a reliable point of contact, are some of the ways individuals can fall through the cracks trying to maintain their care.

“It’s more common now to see seniors discharged from one care setting to another, with more severe or chronic conditions that have a cumulative effect on their health. This makes the timeliness of care even more vital for them,” says Kari Wheeling, RN.

“To avoid care gaps from happening, greater attention is needed on the details involved as seniors move through different care settings. The focus on coordination and continuity of health care between providers becomes even more critical, to avoid relapses or re admissions,” adds Wheeling.

The important role of family caregivers

As family caregivers are likely in the most important role for seniors after a serious illness, more interaction is needed with whomever is the decision-maker about treatment plans and the details that go with them. More family caregivers are getting directly involved in this way with hospitalization or rehabilitation logistics, out of necessity, and should ask providers questions to learn more about transitional care and the different roles involved on their case.

Having the right knowledge helps

Family care planners should also screen and ensure caregivers have the right knowledge, skills and resources needed to safely care for someone, and know what to do when their care setting changes. They should know what information about an individual’s care is transferred between care settings, how it’s exchanged, and what level of accountability is needed from everyone’s actions involved in this process.

With the heightened awareness and attention going into transitional care for seniors, family caregivers may also be more stressed as a result, and have difficulty with the decisions and choices needing to be made. Discharge planners, nurses and social workers can work with family members and caregivers to help support their loved ones and be better ready for the next steps.

Development Specialist Sebastian Adam adds, “Transitional care is like teaching others how to hand off a spoon of water between 10 people and not lose a single drop. Good hand-offs matter. Our senior is that water.”

ATTENTION PLUS CARE HOME HEALTHCARE
Accredited by The Joint Commission

1580 Makaloa St., Ste. 1060, Honolulu HI 96814
808-739-2811 | www.attentionplus.com

AGING IN HAWAII EDUCATIONAL OUTREACH PROGRAM by Attention Plus Care — a program to provide resources for seniors and their families, instructed by a registered nurse, who covers a different aging topic each month. For more information on Transitional Care and free
community workshops on Aging in Hawai‘i hosted by
Attention Plus Care, call 808-440-9356.

Today, more seniors are receiving care in their homes for medical conditions. Many receive it following a hospitalization or discharge from a rehabilitation center and have complex needs. Seniors who require them may have difficulties adjusting to their care and can benefit from transitional care during this period.

Category: Dec 2018 Jan 2019

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