Having spent over 14 years handling elder issues, the one thing I have seen seniors do repeatedly is not plan for their passing because they think there will be time do it later. This naïve mindset causes so much frustration and anger that instead of leaving behind a legacy of love and fond memories, ill will, anxiety and stress become the fallout.
Two months ago I met Lea, age 23. Her mother, Mary, died a couple of months prior. Mary was in poor health for years and did not think of what would happen to Lea after she passed. Mary was a single parent in her 60s with no other family. Although her home was mortgage-free, it was still in her deceased parents’ name. Mary’s only source of income was Social Security, which was directly deposited into her bank account for paying household bills, utilities and grocery delivery.
Mary did not have any life insurance and only a few thousand dollars in savings. She did not make a will or any type of trust for her assets.
Lea dropped out of high school, spending the next four years as Mary’s caregiver. Lea never had a paying job.
When Mary passed away, Social Security stopped depositing money and the bank froze the account. Only Mary’s name was on it; Lea could not access it. Because utilities were paid from that account, notices from the utilities began arriving in the mail. Hospital bills and notices from collection agents also appeared. Additionally, the property taxes on the house Lea lived in that was in her grandparent’s name had to be paid. Lastly, her cell phone was disconnected.
It was at this time that I met Lea. She was a young woman with nothing in her name, no job or other source of income, no access to her mother’s monies, no transportation, no telephone and living in a house that the state assumed still belonged to her grandparents.
With no family and having lost contact with her friends from high school because of caring for her mother all these years, she was truly alone. She feared she would be homeless.
During the course of helping Lea out of this abyss, one thought echoed in my mind: “If only Mary had taken a few hours to plan for the day she would leave Lea alone, this could have been avoided.” Now, instead of grieving for her mother, Lea was cast into a life of uncertainty and fear.
It could be that Mary didn’t plan ahead because she was ill for years. But none of us should assume we will have sufficient time in the future to take care of our affairs and cause our loved ones to live the life of Lea. Do it now.
HAWAI‘I STATE BAR ASSOCIATION Senior Counsel Division Alakea Corporate Tower, 1100 Alakea St., Ste. 1000 Honolulu, HI 96813 808-537-1868 | SCD@HSBA.org | HSBA.org
Having spent over 14 years handling elder issues, the one thing I have seen seniors do repeatedly is not plan for their passing because they think there will be time do it later. This naïve mindset causes so much frustration and anger that instead of leaving behind a legacy of love and fond memories, ill…
You own your body after you die and you can say what happens to it. If you say nothing, it will be up to your next of kin, such as your spouse, your children and then more distant relatives. By planning your funeral in advance, you can spare your loved ones stress and conflict.
Your remains can be buried on your own land, but think about how that could affect the property value. The preparation for burial need not include embalming and may not require a casket. Many outside-the-box possibilities exist.
Burial and cremation are not the only choices. Google “disposition of human remains” for ideas. Do you want your remains blasted into space or disposed of via alkaline hydrolysis? Do you want your ashes turned into diamonds for jewelry for your loved ones? The options might surprise you.
Many people recoil at the idea of donating their bodies to the local medical school, but medical professionals will tell you that the most valuable resource for learning about a human body is, well, a human body. A medical student could learn a lesson from dissecting your body that would enable them to save one of your loved ones…
Finally, will there be some kind of service or celebration of life for you? You can have a say in those festivities. A funeral service planned by you might be one of the most loving gifts you can give the people who will mourn your loss.
You own your body after you die and you can say what happens to it. If you say nothing, it will be up to your next of kin, such as your spouse, your children and then more distant relatives. By planning your funeral in advance, you can spare your loved ones stress and conflict. Your…
If you are approaching retirement or are already there, you may be considering downsizing your home. It’s a big decision, with ramifications for both your finances and your lifestyle. Here are some things to keep in mind: ■ Decide if a move makes sense. Your needs and priorities may shift in retirement. Perhaps you won’t require as much square footage as you once did, or you may find that maintaining your home is now a challenge.
It may be financially prudent and personally necessary to get out from under the costs and responsibilities of maintaining a larger property. Your location preference may shift, too. Commonly, retirees desire to live closer to family or in a warmer climate.
■ Create a timeline for your move. Discuss the pros and cons of selling your family home now or in the future. External market factors can affect your next step. Timing the sale of your home and the purchase of a new one can be tricky. Be prepared in the event your home doesn’t sell quickly.
■ Consult a real estate professional. A real estate professional can help you determine what needs to be done before putting your house up for sale. Your home may need repairs to meet code or maximize its list price. Get an appraisal of current market value and decide what you’ll be comfortable spending on a new, smaller home.
■ Review your housing options. Once you decide to downsize, you can start looking for a new place that meets your needs and budget. If you’re considering a condo or townhome (two popular options for retirees) make sure to factor in any fees or assessments that are charged to residents when calculating the overall cost of ownership. If you’re in need of assisted living services, you’ll also want to get a handle on those costs — and whether they can be offset by any long-term care insurance you may have — so you can plan accordingly. In terms of location, you may want to think about the proximity of amenities and services including grocery stores, transportation and your doctor’s office.
■ Be prepared for a multi-gen conversation. A change as impactful as selling your home may prompt conversations with family members on the topic of your estate. Downsizing usually requires whittling down the personal possessions you’ve acquired over the years. If you’re moving to a residence with managed maintenance, you won’t need the lawn mower, snowblower or other tools in your garage. If you’re thinking of giving items to family members, be prepared for the possibility of different generations having different interests and attachments to your home and belongings. It can be a good idea to establish how you want to explain to family members your lifestyle goals for retirement, so they can support you through the process.
■ Review your finances carefully. Take the time to thoroughly review the financial implications of your situation. Just because you are downsizing does not necessarily mean you will suddenly have a cash windfall or establish enormous savings. Remember that HOA expenses, lifestyle changes and upgrades in construction quality can add to costs. Additionally, if you choose to move to a retirement area that has more built-in services, it can increase your cost of living, as well. Taking the time to explore the intricacies of your situation can prepare you for the next steps. And remember, you don’t have to do it alone. A qualified financial advisor can help you navigate this complex process with confidence.
If you are approaching retirement or are already there, you may be considering downsizing your home. It’s a big decision, with ramifications for both your finances and your lifestyle. Here are some things to keep in mind:■ Decide if a move makes sense. Your needs and priorities may shift in retirement. Perhaps you won’t require…
Did you know Waikīkī Community Center (WCC) supports all O‘ahu seniors, not just those from Waikīkī¯?
ACTIVE AGING: WCC offers a wide variety of classes, workshops and activities that can help improve balance, keep your mind sharp and teach you something new, all while having fun! Tai chi, hula, repurposing old jewelry, garden club, scrabble, ikebana and line dance are just a few examples of what the center offers.
SENIOR ASSISTANCE COORDINATION (SAC): SAC helps seniors facing a variety of challenges. We provide support for issues such as housing, nutrition, caregiver support and finances by coordinating other local services and accessing our programs. SAC can include direct financial assistance for emergencies and basic needs, such as help with utility and medical bills, or rental assistance.
“BUILD” EMERGENCY SAVINGS: For O‘ahu residents who are working, BUILD is a savings program that provides up to $1,000 in matched savings (we’ll put in $1 for every dollar you save), with the goal of building $2,000 in savings over six to 12 months.
FREE PARKING/ACCESSIBLE BY BUS: It’s easy to get here! There’s free parking in front of the buildings and a bus stop two blocks away.
Did you know Waikīkī Community Center (WCC) supports all O‘ahu seniors, not just those from Waikīkī¯? ACTIVE AGING: WCC offers a wide variety of classes, workshops and activities that can help improve balance, keep your mind sharp and teach you something new, all while having fun! Tai chi, hula, repurposing old jewelry, garden club, scrabble,…
In the heart of Waihe‘e, O‘ahu, nestled under the protection of the mighty Ko‘olau Mountains, lies KEY Project’s Nā Pua o Ko‘olau Kūpuna Program. Rooted in honoring those who served us, this free program offers a safe haven where kūpuna ages 50 years and older living from Kane’ohe to Kahuku can thrive through weekly social engagement, food and nourishment, and immersion in Hawaiian culture.
At the core of the Kūpuna Program are its weekly social activities, including catered meals at Kūpuna Breakfast and Kūpuna Lunch. Other workshops serve as a bridge to perpetuate Hawaiian cultural arts, traditions and practices. Through hands-on experiences, kūpuna learn lei-making, ulana lau niu (coconut frond weaving), Hawaiian quilting and more. With the program’s intention to keep kūpuna mobile, they also visit neighboring wahi pana (legendary places) on monthly huaka‘i (trips) from Waihe‘e Watershed Tunnel, to exploring lo‘i kalo (taro patches), and traveling by boat to hear the mo‘olelo (stories, myths an legends) of Moku o Lo‘e (Coconut Island, a 28-acre island in Kane’ohe Bay). Each month is an adventure waiting to happen!
Overall, KEY Project’s Nā Pua o Ko‘olau Kūpuna Program celebrates the golden years of life. Serving as that second home for many, you will quickly discover the key to its success are the program members themselves. Sign up for free at keyproject.org/kupuna-program or pick up a form at our office to be our next “pua” (flower)!
In the heart of Waihe‘e, O‘ahu, nestled under the protection of the mighty Ko‘olau Mountains, lies KEY Project’s Nā Pua o Ko‘olau Kūpuna Program. Rooted in honoring those who served us, this free program offers a safe haven where kūpuna ages 50 years and older living from Kane’ohe to Kahuku can thrive through weekly social…
The Mō‘ili‘ili Senior Center is dedicated to enriching seniors’ lives through activities that enhance fine motor skills, cognition, balance and strength. Our offerings include exercise, dance, music, crafts, painting, Japanese and multicultural games. We strive to keep seniors safe, informed and connected.
The Mō‘ili‘ili Community Center (MCC) Senior Program serves seniors 60 years and older living from Ward Avenue to Hawai‘i Kai. It receives partial funding from the Elderly Affairs Division, Department of Community Services, City and County of Honolulu, and the Hawai‘i Executive Office of Aging, an Aloha United Way Agency.
Mō‘ili‘ili: A Community with Rich Heritage
Mō‘ili‘ili has a rich history and cultural diversity. MCC began as a Japanese language school and continues to offer after-school Japanese language classes along with an after-school program that includes homework assistance, fun exercise and play. Keiki and kūpuna engage in shared activities, bridging generations and emphasizing sonkei — respect and care for elders.
MCC: A Hub of Support
Since 1945, MCC has been a cornerstone of Mō‘ili‘ili, offering programs such as:
Mō‘ili‘ili Senior Center (MSC): Fitness, arts, crafts, health talks and educational workshops
Kupuna Support Program (KSP): Respite care with social activities, hot meals, daily exercise, and cognitive activities
Children and Family Program (CFP): Afterschool programs, summer camps and cultural activities are offered
Community Impact
At Mō‘ili‘ili Community Center, we create a supportive environment where seniors can thrive. We welcome you to visit us, participate in our programs, and stay active and connected at the Mō‘ili‘ili Senior Center.
Join us in celebration of Mō‘ili‘ili’s rich cultural diversity and become a valued member of our vibrant community today.
The Mō‘ili‘ili Senior Center is dedicated to enriching seniors’ lives through activities that enhance fine motor skills, cognition, balance and strength. Our offerings include exercise, dance, music, crafts, painting, Japanese and multicultural games. We strive to keep seniors safe, informed and connected. The Mō‘ili‘ili Community Center (MCC) Senior Program serves seniors 60 years and older…
Imagine living and working on Moloka‘i most or all your life. Now you’re a kūpuna and many of your ‘ohana members have moved out of the family home or off the island, leaving you to live alone. You begin to feel depressed and cut off from family and even friends.
To fill this gap, the Moloka‘i Rural Health Community Association (MRHCA) runs the Moloka‘i Kupuna Program, a comprehensive program developed to provide a wide range of services, activities and socialization opportunities for seniors. Funded by the County of Maui’s Office of Economic Development (OED) and the Office of Aging (MCOA), the program is under the direction and coordination of myself and my staff.
Activities: MRHCA has partnered with programs and individuals who provide kupuna-friendly activities, such as hula, theater, ceramics, online painting, leihulu (feather lei making), ‘ukulele classes, lauhala weaving, origami and other cultural activities. One of the program’s primary goals is to provide outlets for socialization and talk story time for kūpuna and their peers as they participate in these activities.
Health: Exercise classes, tai-chi and stretching sessions help loosen up ku¯puna’s stiff muscles. In collaboration with Sustainable Moloka‘i, ku¯puna receive free bags of fresh produce. Outreach workers visit the homebound in tandem with our public health nurses.
Education: Computer classes and online classes in Social Security, Medicare and gerontology are also offered.
Services: Kūpuna who have received haircuts, lomilomi massages or footcare from the podiatrist often say they “feel like a million dollars.” Yard and house cleaning services are also available.
The MRHCA is very grateful to provide these services to our island kūpuna and we are happy that they entrust us with their daily needs.
Imagine living and working on Moloka‘i most or all your life. Now you’re a kūpuna and many of your ‘ohana members have moved out of the family home or off the island, leaving you to live alone. You begin to feel depressed and cut off from family and even friends. To fill this gap, the…
With pleasant weather and sunshine nearly every day of the year, paradise offers a safe and pristine backdrop for our golden years. But seniors who want to maintain their independence may desire or even require another layer of security.
Medical alert devices and services systems designed to connect people in need with emergency help are particularly useful for seniors or individuals living alone who may be at risk of falling or experiencing a medical emergency. Typically, a medical alert system consists of a wearable button and a base station. Pressing the button triggers a call to a monitoring center, where a trained professional can assess the situation and send help if needed. Some systems also include features like fall detection and medication reminders.
Finding the Right Fit
Personal Emergency Response Systems (PERS) come in two main types: traditional and mobile.
Traditional PERS devices are connected to a landline through a base unit and include a wearable pendant. If the user pushes the button on the pendant, even if they are far from the base unit, help will be called. A traditional PERS is ideal for homebound users.
Mobile PERS device works like a cell phone, so it can be worn and be effective anywhere within cell service range. A mobile PERS device allows users to talk directly to an operator through the device itself. A mobile PERS is better for those who are active outside the home.
So to find the right fit, consider your needs. Do you need fall detection or mobile coverage? Research companies to look at features available, pricing and customer reviews. Also, consider availability. Confirm the coverage in your area. Most major providers cover all of Hawai‘i.
What’s Available?
■ SENIOR SAFETY MEDICAL ALERT SYSTEMS has been providing senior medical alert systems for 25 years. They offer 24/7 monitoring with quick response times. Their team of EMD-certified operators provides multiple layers of monitoring to give seniors peace of mind.
Home Alert System: Options include systems that operate with or without a landline. The medical alert system that operates with a landline has a range of up to 1,000 feet inside and outside your house. The system can work with your existing landline phone service and has special features like “Family Check-In” to help keep you connected with loved ones.
For those without a landline, they offer a medical alert system that operates on 4G LTE technology that plugs into a standard electrical outlet for a quick and simple setup. Prices can range from $19 to 29 per month and are also available with automatic fall detection for an added $10 per month.
Mobile Medical Alerts Systems: These wearable options, available as buttons or smartwatches, provide protection wherever you go. The smartwatch includes added features — a heart rate monitor, step counter and even the weather report. It’s also available with automatic fall detection for added security. Both operate on 4G LTE technology and do not require Wi-Fi. Prices range from $30 to 34 per month or a one-time payment ranging from $75 to $100 per device. Both are available with automatic fall detection for an added $10 per month.
A call to the company revealed that purchasing and setup are simple, even without internet access. Choose a device, share credit card information and the device is mailed. Staff will walk you through the setup process over the phone.
■ HAWAII MEDICAL ALERT AND MEDICAL ALARM BY PRIME is a service available to residents across the state. While some companies charge extra for shipping to Hawai‘i and may have higher service fees, Prime offers free 2- to 3-day priority shipping and a free lockbox with your purchase. Their medical alert bracelets and necklaces provide peace of mind to seniors, including those with a fear falling.
Home Medical Alert Devices: Both Linear PERS-2400 and LogicMark Life Sentry are medical alert systems designed to provide security and independence for seniors at home. They require minimal maintenance with batteries that last 3 to 5 years, have a wide range of movement within the house without signal limitations, and have 24/7 emergency monitoring with customizable contact and response protocols. However, they differ in communication and pendant functionality. While Linear PERS-2400 relies on a base unit connected to a landline for communication and comes with a waterproof pendant that can be worn during showers, LogicMark Life Sentry allows two-way voice communication directly through the pendant itself, eliminating the need for a landline and offering more flexibility within the home. The pendant also has a built-in speaker, enabling direct conversation with emergency personnel. Prices can range from $15 to 30 per month with no additional fees or obligations.
Fall Detection Systems: Both NextAlert II and Climax Medical Series are medical alert systems with fall detection and offer 24/7 emergency monitoring by certified EMTs, allowing users to customize their response protocols. However, NextAlert II is a cellular system that uses GPS to allow emergency dispatch without communication, whereas Climax Medical Series can be connected through a landline or cellular connection and does not have GPS. Prices can range from $30 to 40 per month with no additional fees or obligations.
A phone call to Prime Medical Alert was also answered by a affable staff person. This company skips the credit card information and instead, will send you a bill or accept a checking account transfer. They will also walk you through setup over the phone, step by step.
Both companies mailed descriptive, detailed brochures within the week.
With Hawai‘i’s rapidly growing senior citizen population, medical alert devices and services can provide peace of mind for both residents and their loved ones.
With pleasant weather and sunshine nearly every day of the year, paradise offers a safe and pristine backdrop for our golden years. But seniors who want to maintain their independence may desire or even require another layer of security.
A Medicare beneficiary was surprised and thrilled to learn her health plan was interested in tracking activities like walking, volunteering, social activities, annual health checks and even scheduling preventive services.
Those behaviors are associated with maintaining a healthy lifestyle and improved health outcomes if illness does strike. She could relay her activities by phone or set up an online account to report them. Her accumulated points earned her a rewards card. Many insurance companies, not just Medicare plans, are offering rewards through employer plans, as well. Health insurance programs are increasingly focused on promoting the preventive side of healthcare and encouraging subscribers to adopt healthy habits. They track healthy activities and reward positive behaviors.
Here’s how it works:
TRACKING: Self-report steps, gym visits, annual checkups and even completion of health-related courses. REWARDS: Reach certain activity goals or demonstrate healthy choices to earn rewards such as gift cards. THE BENEFITS: Subscribers are motivated to improve their health, resulting in fewer issues. Insurance companies pay less for care associated with lack of exercise and unhealthy habits.
Call your insurance plan today and maybe you, too, can get paid to take a walk.
A Medicare beneficiary was surprised and thrilled to learn her health plan was interested in tracking activities like walking, volunteering, social activities, annual health checks and even scheduling preventive services. Those behaviors are associated with maintaining a healthy lifestyle and improved health outcomes if illness does strike. She could relay her activities by phone or…
How can you optimize your life so you can not only live longer, but better? Using an automobile analogy, the better you take care of your car, the better it will perform and the longer it will last.
Muscle atrophy is the reduction of muscle mass and fiber size caused by disuse or neurogenic conditions. Sarcopenia — loss of muscle mass and strength — occurs naturally due to aging or other health conditions.
But there are four “tune-up” components that can combat this propensity and help maximize muscles and optimize seniors’ lives:
The fuel: A high protein diet provides the building blocks needed for maintaining and/or boosting your muscle mass.
The oil: Hydration is important, too. If you do not have oil in your car, it will seize up. Water is vital because it is the main component of the body and represents approximately 76% of muscle mass.
Preventative maintenance: A regular workout routine that incorporates weight-bearing exercises helps prevent muscle atrophy and sarcopenia. A little exercise is good; more exercise is better.
Driving sensibly: Don’t rev your engine at too many RPMs! Stress reduction makes for a smoother ride. So “get your motor runnin’” and enjoy your ride on that golden highway of life!
How can you optimize your life so you can not only live longer, but better? Using an automobile analogy, the better you take care of your car, the better it will perform and the longer it will last. Muscle atrophy is the reduction of muscle mass and fiber size caused by disuse or neurogenic conditions.…
“I go to bed feeling fine and wake up injured.” It’s abnormal to awaken with pain daily. But many think pain is to be expected as they age or are unfit, so they don’t contact their doctor. If you’re regularly in pain, talk with your doctor about pain management options — especially if you frequently use OTC pain meds.
Quality of life is to be expected as we age and your doctor can work with you on solutions to alleviate pain… beyond taking a pill. These solutions may include chiropractor services, physical and other therapies, hot/cold compresses, exercise, acupuncture and cognitive behavioral therapy. Check with your health plan to assure your doctor’s recommendations are covered benefits.
Opioid Addiction & Overdose
Opioids, such as oxycodone (Percocet), hydrocodone (Norco), Fentanyl and morphine, are powerful prescription painkillers that carry serious risks of addiction and overdose.
Opioid medicines may not improve all pain and over time may also change how the brain handles pain signals. This may lead to more pain and/or other health symptoms like changes in mood or sleep and less ability to perform daily activities. Long-term use of opioids should be monitored closely by a doctor.
KAISER FOUNDATION HEALTH PLAN INC. 711 Kapiolani Blvd., Honolulu, HI 96813 808-432-5915 (TTY 711) | kp.org/seniorhealth This article contains health and wellness or prevention information.
“I go to bed feeling fine and wake up injured.” It’s abnormal to awaken with pain daily. But many think pain is to be expected as they age or are unfit, so they don’t contact their doctor. If you’re regularly in pain, talk with your doctor about pain management options — especially if you frequently…
One of The American Legion’s main pillars is its concern for veterans who have served their country in any of our military branches during wartime or peacetime.
I visited many longterm care facilities as a American Legion Post 1 representative to make short patriotic talks and pass out “Thank You For You Service” certificates. I was surprised to find so many veterans residing in these facilities. The number, on average, ranged from 30 to 40 veterans, with a high of 79 at one facility.
After making a presentation in late 2021 at The Plaza in Waikiki, I became concerned about the veterans’ well-being and the loneliness they must face at the end of their lives. I wondered if they felt if anyone outside the facility really cared about them besides their family. That is when I got the idea of establishing a memorial in their honor that would serve as a lasting reminder that they would be remembered.
The Plaza in Waikiki activities director and I collaborated on a plan to have a large Wall of Honor (16-by-4-feet) with black-and-white photos, name and service branch positioned in a prominent place in the facility as a permanent reminder. It was constructed and installed by a local company and the cost was divided between our Post 1 and The Plaza’s board of directors. The wall was dedicated in 2022. Since then, another wall was installed at The Plaza in Moanalua in 2023. The next wall was installed at The Plaza in Mililani on Memorial Day, May 27, 2024.
These Walls of Honor pay tribute to The Plazas’ veterans, who have served and contributed to the the freedom that we all enjoy today. More Walls of Honor are in the queue.
THE AMERICAN LEGION POST 1 612 McCully St., Honolulu HI 808-946-6383
One of The American Legion’s main pillars is its concern for veterans who have served their country in any of our military branches during wartime or peacetime. I visited many longterm care facilities as a American Legion Post 1 representative to make short patriotic talks and pass out “Thank You For You Service” certificates. I…
