Category: Date

  • Paddling Her Own Canoe

    Kīhei resident Franny Durham unknowingly serves as an inspiration to those around her through her indomitable spirit, positive attitude and boundless energy.

    When asked about her secret to her physical health and spiritual well-being, she replied, “Moderation is the key.”

    “When I was very young, my father told me that longevity runs in our family, so I learned to take care of my body at a young age because I wanted to live to be very old,” she laughed.

    Genetics may have given her an edge; she is of Okinawan and Japanese descent. She is confident her dad would still be alive if not for a fall that injured his spinal cord when he was in his mid-80s. “Til the day he died, he did pushups and took several walks a day. I know he would have lived at least another 15 years.”

    There are no magic ingredients in her recipe for longevity — only common sense. “I try to eat healthy, but I’m not rigid about diet. I believe in moderation. We eat fruits and vegetables, but we also love meat and everything else. But we don’t go overboard! We are not overweight. We stay active. There needs to be balance or you will sink.”

    Her husband of almost 30 years is 76, “but looks like he‘s 56,” says Frannie. He kite surfs and rides his Harley for exercise and recreation.

    Franny was in her 40s when she began taking hula lessons. Although she no longer belongs to a hālau, she occasionally performs at special events. Sometimes she dances on Mondays at the Coffee Attic in Wailuku. “That helps to keep you in shape and it’s very fun,” she says.

    “But it really comes down to my love of paddling,” says Franny about sustaining an active lifestyle. The long-time ocean canoe paddler started the sport later in life — and it changed her life.

    When she moved to Maui from O‘ahu in the early ’90s, she was invited to paddle with the Wailea Canoe Club (WCC). She went, and although the paddler who invited her did not show, she coincidentally ran into someone she knew from O‘ahu. The two of them needed a crew, so they struck up a conversation with a couple of young men running along the beach. They were boxers who were cross training. “‘Do you want to try it?’ my friend said. Three of us had never paddled before. So we went out. My friend steered us. I stroked the boat. We went out about a mile and then the wind came up. We had to paddle like hell back to shore! I fell in love with it immediately and have kept going ever since.”

    Now at age 70, she paddles six times a week with the WCC and the Hawaiian Outrigger Canoe Voyaging Society (HOCVS) in Kīhei.

    “With HOCVS, I have done long-distance paddling. We’ve paddled around Molokai, Maui and Lāna‘i. I also did a tribal  journey from Neah Bay to Lummi in Washington. It’s been great.”

    Along with her own paddling regime, she also coaches, teaching others, encouraging improvement and always endeavoring to bring out the best in her students. She says she has met many great people along the way.

    “I believe in leading a good life, treating people well and being considerate of others.”

    An extension of those long-held beliefs also brought her to caregiving.

    “I got into caregiving because I had a landlord at the time whose elderly mother needed help. I also have a son with a bit of a disability. I mentioned to someone that I was interested in learning more about it. She had a friend who taught caregiving at Maui Community College (now the University of Hawai‘i Maui College). “As it turns out, I got the last spot in the last caregiving class that was funded by a grant. Everything was paid for. It was meant to be. It was a blessing. I enjoyed it, then started caregiving after I got certified at graduation.”

    That was 13 years ago, and Franny has been a caregiver ever since. The agency that hired Franny sent her out on a variety of caregiving assignments. She retired from the agency at 67, but retained one private client who she still cares for. He is a few years younger than Franny and a quadriplegic.

    “He is somewhat independent but still needs a lot of help. And I can’t not help him.”

    But, Franny observes, “There is a lack of caregivers. In Hawai‘i, so many elders age in place, so they need someone to come into their home.” But based on her own past experience, a lot of agencies do not pay a living wage. “It’s a sad situation, because when you are a caregiver you are responsible for this person’s well-being — their life. There is so much involved.”

    Franny is also seamstress, making and giving away stylish masks for adults, and cartoon-and character-themed masks for keiki and teens during the height of the pandemic “so they would want to wear them.” Of course, she made paddling-themed masks. She was also commissioned by a local doctor who gave the masks to her patients, and also sent them to Germany and the Hopi Reservation. “I felt so good about that.”

    “When I moved to Maui, that is when everything really started for me. All of the important things that happened in my life were just meant to be. It all just dropped into my lap. Now I’m busier than I have ever been before I retired.”

    But Franny is not just drifting along in life. Recognizing the opportunities presented to you is a skill. Living in alignment with your purpose is an art. She is a paddler of her own boat. An unstoppable force by land and sea, Franny continues to serve as as a courageous caregiver, and an inspiration to her peers and students through her good will, strength and perseverance.

    Kīhei resident Franny Durham unknowingly serves as an inspiration to those around her through her indomitable spirit, positive attitude and boundless energy. When asked about her secret to her physical health and spiritual well-being, she replied, “Moderation is the key.”

  • Navigating Mental Illness

    One in five people are affected by mental health conditions each year. Since the pandemic, that number has been on the rise. NAMI Hawaii, the National Alliance on Mental Illness, is the state organization that supports our community’s mental health and gives them hope.

    NAMI is the nation’s largest grassroots mental health organization, with over 600 affiliates in the US and four affiliates in each county in the state. NAMI’s mission is to provide support, education, advocacy and awareness so that all  individuals and families can build better lives.

    NAMI provides free programs across the state on Zoom and in person. Family-to-Family is a free, eight-session educational program for family, significant others and friends of people with mental health conditions. NAMI provides support for families and caregivers..

    Peer-to-Peer is a free, eight-session educational program for adults with mental health conditions who are looking to better understand themselves and their recovery.

    NAMI also provides connection recovery support groups, a speakers’ bureau, crisis intervention team training and workshops for law enforcement, Ending the Silence for youth, and general help and information.

    In September, NAMI National will release its first book, called, “You Are Not Alone” (zandoprojects.com/books/). The book is the “NAMI Guide to Navigating Mental Health — With Advice from Experts and Wisdom from Real People and Families… resource for individuals and families seeking expert guidance on diagnosis, treatment and recovery, featuring true stories from real people from across the country — including the Aloha State.”

    On Dec. 10, attend NAMI Hawaii’s You Are Not Alone event. Enjoy a free breakfast with NAMI and hear National Medical Director Dr. Ken Duckworth, discuss the book’s amazing stories.


    NAMI HAWAII (501(c) 3 nonprofit)
    5240, 770 Kapiolani Blvd., # 613, Honolulu, HI 96813
    808-591-1297 | info@namihawaii.org
    namihawaii.org

    One in five people are affected by mental health conditions each year. Since the pandemic, that number has been on the rise. NAMI Hawaii, the National Alliance on Mental Illness, is the state organization that supports our community’s mental health and gives them hope.

  • 7 Reminders for the General Election

    Ahead of the 2022 General Election on Nov. 8, the Hawai‘i Office of Elections has a few key reminders for Hawai‘i’s kūpuna voters.

    Hawai‘i is a vote-by-mail state. As a registered voter, your General Election ballot will conveniently arrive in your mailbox. Gone are the days of carving out time to vote at your assigned polling place. Hawai‘i voters are automatically mailed a ballot for every election.

    Check that your voter registration is current. Visit elections.hawaii.gov or call 808-453-VOTE (8683) to verify that your voter registration is accurate. By law, ballots cannot be forwarded through the mail, so if you have moved or changed your mailing address, you must update your voter registration. This can be done online or by submitting a paper Voter  Registration Application.

    Vote your ballot. You can expect to receive your ballot by Oct. 21 for the General Election. Read the instructions, mark your ballot with a blue or black pen, seal it in your return envelope and sign the envelope.

    Sign your ballot return envelope. The return envelope must be signed for the ballot to be counted. The signature on your return envelope is compared to the signature on your voter registration record. If the signature matches, your ballot is accepted and recorded to ensure only one ballot is counted for you.

    Your ballot must be received by 7pm, Nov. 8. Voted ballots can be returned by mail or dropped off at a voter service center or ballot drop box within your county. Visit elections.hawaii.gov for location details. Ballots received after the deadline cannot be counted.

    Sign up for ballot alerts. Avoid missing the ballot return deadline by signing up for free ballot alerts. Visit  hawaii.ballottrax.net or call 808-453-VOTE (8683) for assistance with enrolling. Choose to receive text, email and voice alerts for when your ballot is on its way, and reminders to return your ballot as the deadline approaches.

    Assistance is available. If you’re in need of assistance with casting your ballot, consider the following accessible options:

    1) Visit a voter service center to cast your vote using accessible voting equipment.
    2) Request an electronic ballot and mark your ballot using your personal compatible device. Visit elections.hawaii.gov to learn more about accessible voting.


    CITY & COUNTY OF HONOLULU ELECTIONS DIVISION
    530 S. King St., Rm. 100, Honolulu, HI 96813
    For voter details, registration information and questions:
    elections.hawaii.gov | 808-453-VOTE (8683)
    Election officials are committed to making sure your vote counts and
    safeguarding Hawai‘i’s elections.

    Ahead of the 2022 General Election on Nov. 8, the Hawai‘i Office of Elections has a few key reminders for Hawai‘i’s kūpuna voters.

  • How to Reduce Your Investment Risk

    During times of market volatility like we’ve seen since the start of 2022, it’s natural to feel a bit skittish about the stock market. It’s a potent reminder that there are risks to stock ownership. Individual stocks are not guaranteed to grow and may lose value. The good news is that the stock market has historically delivered a higher rate of return than other forms of investment in the same timeframe. With this in mind, there are strategies you can deploy to help insulate your portfolio from the natural up-and-down swings of the market, while staying invested for the long term.

    Buy and hold. There will always be day-today fluctuations in the stock market. Plunging stocks can cause panic  selling. Rising stocks can inspire over {Play}ly optimistic purchasing. A buy-and-hold investment strategy takes a long-term view to investing. It discourages buying or selling stocks in response to market dips and surges. Over time, portfolios
    governed by this strategy tend to deliver more robust long-term results than ones guided by emotional decisions.

    Asset allocation. This strategy involves holding investments across different asset classes to meet your investment objectives. Asset classes include stocks, bonds, cash and alternatives. Each asset class has a different risk profile and upside potential. How much you assign to each asset class will depend on individual circumstances such as your time horizon, tolerance for risk, need for liquidity, tax situation and your financial goals. Investors with a longer time horizon usually can tolerate more risk, so will hold a larger percentage of stocks within their portfolio. Investors with a shorter time horizon may hold more bonds or similar instruments that offer greater security, with lower yields.

    Portfolio diversification. It is another strategy designed to help you spread risk across your portfolio. It involves selecting a variety of investments within each asset class to help minimize risk. For example, by putting your “growth stock” money into several companies that meet growth criteria, you are protected in the event one of those companies fails.

    Dollar-cost averaging. This investment strategy takes a disciplined approach to purchasing investments. The idea is to purchase more shares of stocks, bonds and/or mutual funds when prices are low and purchase fewer shares when prices are high. The principal here is to be systematic in your purchasing. Dollar-cost averaging over time usually
    results in lower average cost of shares in your portfolio, creating greater opportunity for profit as share values rise.

    Find an ally for smart investing. Talk with your financial advisor to learn how to implement these and other investment strategies to help grow your investment portfolio. As with all investments, past performance does not guarantee future results. No investment strategy is guaranteed to be profitable or help you avoid losses. Common sense and a balanced approach tend to win the day.


    MICHAEL W. K. YEE, CFP,® CFS,® CLTC, CRPC®
    1585 Kapiolani Blvd., Ste. 1100, Honolulu, HI 96814
    808-952-1240 | michael.w.yee@ampf.com
    ameripriseadvisors.com/michael.w.yee
    Michael W. K. Yee, CFP®, CFS®, CLTC, CRPC®, is a Private Wealth Advisor, Certified Financial Planner™ practitioner with Ameriprise Financial Services, LLC in Honolulu, HI. He specializes in fee-based financial planning and asset management strategies and has been in practice for 38 years.

    During times of market volatility like we’ve seen since the start of 2022, it’s natural to feel a bit skittish about the stock market. It’s a potent reminder that there are risks to stock ownership. Individual stocks are not guaranteed to grow and may lose value. The good news is that the stock market has…

  • How To Choose an Assisted Living Facility or Nursing Home

    Finding the right place for Mom or Dad is both an art and a science. You have to do your research and trust your gut.

    Assisted living facilities are widely available to help take care of older adults who need help with bathing, dressing or other daily activities. When that is no longer enough, a nursing home can provide 24/7 healthcare. Either way, it is important to research facilities to determine which one seems to give the best care.

    COST

    Before deciding on a live-in facility, make sure that is the option you want to pursue. Include the older adult when considering other care options. A major factor can be cost. In 2020, the Genworth Cost of Care Survey documented median annual costs for five options. (These numbers are not reflective of higher costs in more expensive areas.)

    • Nursing home (private room) $105,852
    • Nursing home (semi-private room) $93,072
    • Assisted living $51,600
    • Home health aide (full time) $54,912
    • Adult day care $19,236

    Check if your parent has long-term care insurance. Generally, it will cover assisted living, but most health insurance plans, including Medicare, do not. It may not cover the full cost of care, either. Read the policy carefully. Medicaid may be an option for those with limited assets or your state may offer some other assistance. Contact Hawai‘i’s Medicaid agency through medicaid.gov to find out more.

    Veterans may be able to get help through the Aid and Attendance benefit (va.gov/pension/aid-attendance-housebound). Check with Hawai‘i’s VA pension management center at benefits.va.gov/stpaul. Learn about VA pension benefits at va.gov/pension.

    SIZE

    Facilities may have just a few patients, or house more than a hundred residents. Each has benefits and drawbacks. A small group home can have a great staff-to-patient ratio where caregivers know every person’s preferences well. They are often located in neighborhoods.

    WHERE TO GET A LIST OF FACILITIES

    Trying to determine what your options are can be daunting. Here are options you can check out to locate facilities in your area:

    • Area Agency on Aging: usaging.org
    • Yellow Pages website: yellowpages.com
    • Aging Services Directory: leadingage.org/find-member
    • Find Senior Housing: directory.alfa.org
    • Ask neighbors, friends, doctors and other professionals for recommendations.

    SERVICES

    Larger facilities can offer more amenities such as libraries, music rooms, gyms, and swimming pools. They are sometimes set up to care for residents who start off in independent living and then transition to assisted living and/or memory care units that specialize in people with advanced dementia. They may also provide transport to stores or to obtain health care. Some may have doctors who make house calls and an in-house hair and nail salon.

    Basic services usually include housekeeping, laundry, medication management support, wellness programs and meals. Some facilities may even offer specialized care for those with health conditions.

    Consider your mother or father and what activities she or he may be interested in doing. Does the facility offer gardening, art programs, musical outlets, church services or reading material? What about activities for those with impaired sight or hearing? Is assistance available for those who need help eating? Is hospice care available?

    Also, check to make sure that the facility will provide additional help to your parent as their needs increase over time.

    THE FACILITY

    AARP has developed a comprehensive, printable checklist of what to look for in a care facility:(assets.aarp.org/external_sites/caregiving/checklists/checklist_assistedLiving.html). Here is a modified list of the basics to ask about and verify when you visit:

    • Cleanliness
    • An emergency generator or alternative power source in case of an outage
    • Enough common areas, such as living rooms
    • A floor plan that is logical and easy to follow
    • Rooms adequate for your loved one’s needs
    • Rooms/bathrooms with handrails, call buttons
    • Safety locks on doors and windows
    • Security and fire safety systems
    • Services such as banking, a beauty salon, a café
    • Well-lit stairs, hallways with well-marked exits

    You will want to visit prospective facilities several times before making a final decision. Visit on the weekend when it is likely to be busier. Join Mom/Dad for meals to see if they like the food. Do residents in the dining room appear happy?

    TIPS FROM A CAREGIVER

    A former caregiver recommends finding out the average salary of the certified nursing assistants (CNAs) and comparing it to other places you are considering. The higher the salary, the happier the help and the better care the residents receive. Ask how many residents are they usually caring for on a shift and if they like working for the facility. You may have to talk to CNAs without any supervisors around to get honest answers.

    THE CONTRACT

    Don’t sign anything without taking it home and giving the contract a close review. You can hire an elder law attorney (naela.org) to review it. Have other family members go over the document, as well. Check for an arbitration clause
    (consumerreports.org/elder-care/putting-the-assisted-living-facility-contract-under-a-microscope), which requires you to give up your right to sue.

    Do your research, visit, ask questions and make your decision based on the answers and your gut feeling. Do residents and staff seem happy? Does it smell good? What does your parent think? Can you afford it? The answers will help you find the best facility for your loved one.


    CSA (Society of Certified Senior Advisors)
    We support specialist in aging dedicated to improving lives of older adults.
    1-800-653-1875 | csa.us
    Blog posting provided by Society of Certified Senior Advisors, July 17, 2022

    Finding the right place for Mom or Dad is both an art and a science. You have to do your research and trust your gut. Assisted living facilities are widely available to help take care of older adults who need help with bathing, dressing or other daily activities. When that is no longer enough, a…

  • Think Ahead About Future Health Costs

    Thanks to ongoing advances in medical care, people are living longer than ever before. But that longevity comes with a cost.

    According to the US Department of Health and Human Services, roughly 70 percent of Americans over age 65 will require some type of long-term care services in their lives — costing potentially hundreds of thousands of dollars. And as healthcare costs continue to rise, unforeseen medical needs can easily derail a family’s retirement plans if there is not a smart financial planning strategy in place.

    Whether you’re planning for your parents or thinking about your own retirement, it’s important to consider how you’ll fund a post-retirement lifestyle — including paying for healthcare. How much will you need to save? How much should you be prepared to spend on insurance premiums and the care itself?

    To help manage healthcare expenses in retirement, many people consider options like these:

    Long-term care insurance (LTCI): This may be the logical choice for many older Americans, as the funds can be used in a variety of ways — from assistance with daily activities to skilled care provided by medical professionals. But with LTCI, premiums increase with age. And each year after age 60, it becomes less likely that you or a loved one will medically qualify for coverage. LTCI often works best when purchased in your mid-50s.

    A traditional home equity line of credit: While this popular option can provide access to funds as needed to help cover medical costs, it requires a minimum monthly payment on any funds taken — which in time could become burdensome.

    Reverse mortgage loan: This is an often-overlooked option. A reverse mortgage can give you access to a new source of funds without the time-sensitive restraints of long-term care insurance, or the limitations of a conventional home equity-based loan. It’s very similar to a traditional home equity loan or home equity line of credit, but it’s designed with the needs of older adults in mind and offers much more flexibility — read on to learn more.

    The benefits of a reverse mortgage line of credit

    A reverse mortgage can support your healthcare needs and much more. Similar to a traditional home equity loan or home equity line of credit, a reverse mortgage provides access to funds that can be used as needed to cover retirement healthcare costs:

    • Costly prescriptions
    • Care not covered by major medical insurance
    • Medical and non-medical in-home care, such as a physical therapist or home health aide
    • An alternative or supplement to your long-term care policy
    • Home modifications that can make your home safer and more comfortable

    Healthcare needs often arise from unexpected events, such as a heart attack or fall. A reverse mortgage line of credit can help you build a more comprehensive financial defense. One big advantage of a reverse mortgage is its flexible repayment feature: No principal and interest payments are required until the last surviving borrower passes away or moves out. However, you can opt to pay down your principal and interest if and when you choose; no prepayment penalties apply. As with any mortgage, you must meet your loan obligations, keeping current with property taxes, insurance and maintenance.


    REVERSE MORTGAGE FUNDING LLC
    1585 Kapiolani Blvd., #1100, Honolulu, HI 96814
    808-234-3117 | pihara@reversefunding.com
    reversefunding.com
    Borrowers who elect a fixed rate loan will receive a single disbursement lump sum payment. Other payment options are available only for adjustable rate mortgages. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. The company is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency. © 2019 Reverse Mortgage Funding LLC, 1455 Broad St., 2nd Floor, Bloomfield, NJ 07003, 1-888-494-0882. Company NMLS ID # 1019941. For licensing information, go to www.nmlsconsumeraccess.org. Not all products and options are available in all states. Terms subject to change without notice. Certain conditions and fees apply. This is not a loan commitment. All loans subject to approval.

    Thanks to ongoing advances in medical care, people are living longer than ever before. But that longevity comes with a cost. According to the US Department of Health and Human Services, roughly 70 percent of Americans over age 65 will require some type of long-term care services in their lives — costing potentially hundreds of…

  • Can Sugar Substitutes Harm Your Teeth?

    photo of creamer, sugar and spicesIf you’re watching your sugar intake, but need to satisfy a sweet tooth, using a sugar substitute can be less harmful to your teeth and body. Here’s a breakdown of substitutes and how they can affect your oral and overall health.

    Artificial sweeteners and sugar alcohols: These can be a hundred times sweeter than sugar and can include saccharin, aspartame and sucralose. They contain little to no sugar, so they don’t contribute to tooth decay. But they potentially trick the body into craving sweets on a regular basis, which exposes you to the risks of sugar intake again.

    Plant and fruit-based sweeteners: Stevia and monk fruit extract have no calories or carbohydrates. While these are generally safe, some studies have found that stevia disrupts your natural gut microbiome, which can disturb oral and overall health.

    Natural sugars: Honey, coconut sugar, agave, molasses and dates have anti-inflammatory and antioxidant benefits, but they still contain sucrose and can contribute to tooth decay.

    These substitutes should be consumed in moderation. Remember, drinking water immediately after eating is recommended to help wash sugars and acids from teeth.


    HAWAII DENTAL SERVICE (501(c) 4 nonprofit)
    Kahala Howser, Wellness & Events Manager
    808-521-1431 | khowser@hawaiidentalservice.com
    HawaiiDentalService.com

     

    If you’re watching your sugar intake, but need to satisfy a sweet tooth, using a sugar substitute can be less harmful to your teeth and body. Here’s a breakdown of substitutes and how they can affect your oral and overall health.

  • Trust Basics

    Businessman and lawyer discuss the contract document. Treaty of the law. Sign a contract business.A trust is created when a person transfers “stuff” to a trustee with the understanding that the trustee will manage it for the benefit of one or more beneficiaries.

    “Stuff” includes any kind of property you can own: real property, such as land and buildings (including timeshares) and personal property, such as bank accounts, stocks and bonds, and personal effects.

    The person who transfers the stuff to the trustee is called a “trustmaker” (also known as a settlor, grantor or trustor). Usually, the trustmaker is also the trustee (or perhaps co-trustee) and the initial beneficiary of the trust.

    It is common for couples to create two separate trusts and to be the co-trustees of both of their trusts during their joint lifetimes. When one spouse dies, the other can either be sole trustee or co-trustee with one or more individuals or a trust company.

    Once assets are transferred to the trustee, the trustmaker no longer holds legal title to them — even if the trustmaker and the trustee are the same person. Thus, if the trustmaker dies or becomes incapacitated, the trust continues and the successor trustee (who is named in the controlling document) takes over administering the stuff in the trust.

    A trust is controlled by a “rulebook” called the “trust agreement.” The trust agreement sets out the rules about how the trust will be run. If the rulebook says that the trustmaker can revoke it or change it, the trust is what we call a “revocable trust.” People create revocable living trusts so that their stuff will not go through probate after they are gone, or through conservatorship if they become incapacitated during their lifetimes, as well as to protect the assets that their loved ones will inherit.

    If the rulebook does not allow the trustmaker to change or revoke it, we have what is called an “irrevocable trust.” Irrevocable trusts are used in many estate plans. They allow trustmakers to make gifts but keep the recipients from having complete control over the gifted assets. They can help provide tax savings, creditor protection and expert management of assets.

    Trusts are often the building blocks of effective estate plans. They provide simplicity, flexibility and predictability in dealing with your assets. They also give you the peace of mind of knowing that you have arranged your affairs to ensure that your wishes will be carried out and that future transitions (such as your incapacity or death) will be much easier on your loved ones.


    SCOTT MAKUAKANE, Counselor at Law
    Focusing exclusively on estate planning and trust law.
    est8planning.com
    808-587-8227 | maku@est8planning.com

    A trust is created when a person transfers “stuff” to a trustee with the understanding that the trustee will manage it for the benefit of one or more beneficiaries. “Stuff” includes any kind of property you can own: real property, such as land and buildings (including timeshares) and personal property, such as bank accounts, stocks…

  • Does Dad Need More Help?

    How do family members prepare for the day their senior needs more help — the kind of help that requires loved ones to re-prioritize their lives? If only there were a date set aside for this change in everyone’s life. Planning on change at this level has never been easy because a plan may not be in place. A sudden fall or illness could change everything and it could happen anytime.

    Our seniors can have active lives up until the day they don’t. So family members may have to change directions suddenly. This may involve taking time off work and moving other commitments to the back burner. But there are some signs that show us our senior may be needing a bit more help. Here are a few to look out for:

    AGE: The older your senior is, the closer they will be to needing help, especially if they are slowing down physically.
    MEMORY: Forgetfulness could be a sign of illness affecting the brain or other systems and it generates worry for family members who leave their senior alone for long periods of time.
    DRIVING: If your senior is not driving anymore because it is not “safe” due to visual problems, mobility issues or cognitive concerns, this may be a sign that other tasks may not be as easy for them, as well.
    WEIGHT LOSS OR DEHYDRATION: These are real concerns that indicate they are not eating or drinking enough. Frequent urinary tract infections may indicate not enough fluid intake or poor personal hygiene in the bathroom.
    UNPAID BILLS/UNOPENED MAIL: Our seniors like to have control over their finances until there comes a day when they stop opening their mail. This is a clue they are either forgetting or its not a priority for them anymore.
     FREQUENT PHONE CALLS WHILE FAMILY IS AT WORK: If family members are receiving frequent calls during the day from their senior, it may mean things are about to change. This can indicate loneliness, forgetting that they just called or anxiety about something they cannot control.
    FALLS: This could be the “last straw,” especially if there is an injury. Family members may have to find outside help to monitor their senior for safe mobility while they are away at work.

    Just like planning ahead for disasters, planning for the day your senior needs help should be a priority. Life can be busy and noticing some of the scenarios listed above should be on your radar. Of course, your senior will deny they need help and may say something like, “I don’t want you to worry about me. I can take care of myself.” If you feel that twinge in your gut telling you that what you are seeing is not consistent with what they are saying, don’t ignore it! Now may be the time to move into a different role for your senior or ask for help.


    ATTENTION PLUS CARE HOME HEALTHCARE
    Accredited by The Joint Commission
    1580 Makaloa St., Ste. 1060, Honolulu HI 96814
    808-739-2811 | attentionplus.com
    AGING IN HAWAII EDUCATIONAL OUTREACH PROGRAM
    by Attention Plus Care — a program providing resources for seniors and their families, covering different aging topics each month. For class information and upcoming topics, call 808-440-9356.

    How do family members prepare for the day their senior needs more help — the kind of help that requires loved ones to re-prioritize their lives? If only there were a date set aside for this change in everyone’s life. Planning on change at this level has never been easy because a plan may not…

  • The Benefits of Medicare Advantage

    A recent study concluded that beneficiaries enrolled in Medicare Advantage Prescription Drug plans (also known as MAPD) spend almost $2,000 less per year on their healthcare costs when compared to those with Original Medicare (Parts A and B) and a stand-alone Medicare Prescription Drug plan (Part D). Maybe the savings are because of the valuable extras that MAPD plans offer their members.

    Medicare Advantage plans are required by law to cover everything that Parts A and B cover, but typically, these MAPD plans add numerous benefits that Original Medicare doesn’t offer. These might include vision, hearing and dental coverage as well as discounted chiropractic and acupuncture. Sometimes they offer free transportation, over-the-counter (OTC) products, gym membership and even a complimentary fitness tracker. Some Medicare Advantage plans value healthy activities to the extent that they are willing to reward members with gift cards for completing preventive screenings or exercising. Also, many MAPD plans charge a lower drug deductible than a stand-alone prescription drug plan. The truly surprising part is that these Medicare Advantage plans often have $0 monthly premiums.

    Check with an expert to see if one of these plans might be beneficial to you.


    THE MEDICARE GEEK
    1221 Victoria St., #3103, Honolulu, HI 96814
    808-724-4993 | robin@themedicaregeek.com
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    A recent study concluded that beneficiaries enrolled in Medicare Advantage Prescription Drug plans spend almost $2,000 less per year on their healthcare costs when compared to those with Original Medicare (Parts A and B) and a stand-alone Medicare Prescription Drug plan (Part D).