Family caregivers of older adults undergo fairly predictable stages in their caregiving careers. Each stage brings different challenges and requires different kinds of help for both the care receiver and family caregiver.
Stage 1: The beginning
The initial stage of a major illness represents a significant life transition for both the infirm elder and family caregiver, often requiring considerable
adjustments in life goals, relationships, daily activities, and routines. Family caregivers may lack knowledge of the illness, impeding future planning.
What is needed:
Information on the illness: possible causes, treatment options, expected trajectory
Emotional support: counseling services, support groups, peer counseling programs. Peer caregivers can share solutions to everyday issues and provide encouragement rooted in empathy.
Legal and financial planning: durable powers of attorney for asset management and healthcare decision-making; advance directives and wills; financial arrangements anticipating increased medical costs
Stage 2: Being a caregiver
This stage encompasses most of the caregiving experience and includes provision of home care and possible institutional placement.
What is needed:
Continued education on the illness or condition and its expected trajectory
Formal training: classes in direct-care skills (e.g., safely transferring or bathing)
Home assessments and modifications for safety; guidance in use of relevant assistive devices
Coaching in behavior management techniques to deal with disruptive behaviors.
Guidance on preserving self-identity and quality of life for persons with dementia; training on effective communication techniques
Instruction in both time and stress management; help in setting limits, developing realistic standards, prioritizing goals, avoiding burnout
Counseling to deal with changing family dynamics, disagreements regarding management of the illness, and conflicts over division of caregiving labor and costs
Information on available community resources and payment sources and how to access them
In-home services to help with personal care (e.g., bathing, dressing, grooming); homemaking services (e.g., cleaning, laundry, shopping); home-delivered meals
Guidance in working effectively with home care aides
Exercise or rehabilitation programs for both care receiver and caregiver
Respite care, e.g., adult day care, extended overnight respite programs
Stage 3: Completion of caregiving
During the later stages of an illness, caregivers frequently drop social activities and neglect friendships as they attempt to address the ever-growing needs of their family member. When the elder dies, the caregiver often feels socially isolated.
What is needed:
Emotional support to deal with bereavement and loss
Help in coming to terms with the end of caregiving, an integral part of self-identity for many
Exploring caregiving in other forms, e.g.,
volunteering
Encouragement to re-engage and/or develop new activities to restore balance to a life previously structured by the caregiver role
Family caregivers of older adults undergo fairly predictable stages in their caregiving careers. Each stage brings different challenges and requires different kinds of help for both the care receiver and family caregiver.
Hawai‘i is fortunate to be the home of many centenarians, and I love writing about them. Most recently, I spent time with Edward Jurkens, who celebrated his 100th birthday on December 23, 2017. We planned to talk at his apartment then go to lunch. On the way there, I thought, “Where should I park so I can drive him somewhere?”
Edward was born and raised in Illinois, met his wife, Frances, in the second grade, married in 1944, had three daughters, and he’s very proud of his three grandsons, three granddaughters, nine great-granddaughters and one great-grandson.
Edward’s memory is so good we chatted about everything, from his college days at Knox College — where he got free tuition as a hurdle and high jump athlete and received his pilot’s license before signing up with the Air Force — to retiring from Hawai‘i’s CINCPAC in July 1968. Since retirement, he has had some fun and not-so-fun jobs, but found his love was in volunteering: for AARP giving driving lessons to seniors for 22 years, 13 years for the Service Core of Retired Executives, and looking after the “petting zoo” at Waikīkī Aquarium. Now, on Mondays, he volunteers at the Pacific Aviation Museum.
He credits his post-retirement longevity to all the walking he did when golfing up through his 90s, walking around Ala Moana and now on the grassy area of his condominium, eating salads, reading a lot, doing Sudoku, and exercising his arms with dumbbells as he watches TV.
For lunch, he walked to and from the restaurant near his condominium, while I scurried to keep up!
Hawai‘i is fortunate to be the home of many centenarians, and I love writing about them. Most recently, I spent time with Edward Jurkens, who celebrated his 100th birthday on December 23, 2017. We planned to talk at his apartment then go to lunch. On the way there, I thought, “Where should I park so…
If your answer is “yes” to either question, then here are three immediate actions that will improve the return on your most important investment — YOU!
Embrace the demands of change
One in 4 of us are over 60 and life expectancy is increasing faster in Hawai‘i than in any other state. And if you live to age 65, add 22–25 years — a long time to sit on a white, sandy beach even if you can afford it and the knees still bend!
Go beyond the past, familiar world of “jobs” and rekindle your excitement by looking at new ways to work; ways packed with opportunities for older workers.
Continue to learn
Combine your anticipated longer lifetime with meeting the fast-evolving new technical demands of work and you will soon see that, from start to finish, a lifetime of learning is a requirement for all generations to embrace.
It’s easy to learn and there are countless, affordable and local opportunities available. Want to know where? Google it! Don’t know how? Ask your teenage child or grandchild for help! Further-
more, most keiki can teach you the first steps to embracing everyday skills.
Know where opportunity favors older workers
The largest percentage of workers over age 55 are earning in new ways beyond the “old” world of jobs. Here are a few of the most obvious ways:
Job sharing: Job sharing, or work sharing, is an arrangement where two people are retained on a part-time or reduced-time basis to perform a job normally fulfilled by one person working full time.
Remote work: When you work from home; you can work for someone here, there or anywhere.
Portfolio work: Balancing a portfolio of talents means using a number of efforts on behalf of many outcomes.
Phasing: Rather than abruptly leaving a full-time position at the end of a lengthy career, why not phase out by reducing your work week and commitment over time?
Freelancing: Freelancing generally means that you will work when an organization needs you.
As to “how” to adjust to your longer working future… ah… that’s a subject for another time. For now, begin your journey by seeking inspiration from a choice that appeals to you.
Need to work? Need to earn? If your answer is “yes” to either question, then here are three immediate actions that will improve the return on your most important investment — YOU!
L-R: Bill Boyd, Executive Chairman of Boyd Gaming; David Lassner, University of Hawai‘i at Mānoa President and Interim Chancellor; David Matlin, University of Hawai‘i at Mānoa Athletics Director
If you attend any sports events involving the University of Hawai‘i’s Rainbow Warriors or Wahine, it soon becomes obvious that local kūpuna are among their most avid supporters. From attending home games, to donating to booster clubs, to picking thousands of flowers to make lei for the Women’s Volleyball Team (as seen in S1 Ep5 of GTV), Hawai‘i’s seniors are with the athletes every step of the way.
Another long-time supporter of UH-Mānoa’s athletes is a name many of our readers are very familiar with — the California Hotel in Las Vegas. On July 25, the Cal announced a $450,000 pledge to the Athletics Department for the volleyball court naming rights of the Stan Sheriff Center. A subsequent ceremony was planned for the hometown crowd at a match at the Center itself.
The pledge will be phased over several years, supporting university student athlete success initiatives by providing assistance to student-athletes in the areas of nutrition, cost of tuition, summer school and other preparatory athletic efforts.
That’s definitely something to cheer about!
If you attend any sports events involving the University of Hawai‘i’s Rainbow Warriors or Wahine, it soon becomes obvious that local kūpuna are among their most avid supporters. From attending home games, to donating to booster clubs, to picking thousands of flowers to make lei for the Women’s Volleyball Team, Hawai‘i’s seniors are with the…
The 12th Aging in Place Workshop held on August 18 at the Ala Moana Hotel brought our readers and their friends and family in contact with Generations Magazine’s partners in a vibrant atmosphere of sharing and learning. More than 60 exhibitors and 20 presenters informed and encouraged attendees in their quest for knowledge about how to successfully navigate this stage of life. Mahalo to the Hawai‘i Lions and Leos of District 50, who welcomed and assisted them!
With attendance high, many of the most popular talks drew large crowds, eager to learn more about the topics.Presenters who are experts in their field covered everything from keeping fit to caregiving to retirement planning.Kaiser Permanente’s Brandy Ching and her assistant, Sophia.(L–R) Jackie, Mapuana, Gina, Lisa and Kenny from D50 Hawai’i Lions.Denise Anderson assisted attendees at the Vacations Hawaii exhibit.
The 12th Aging in Place Workshop held on August 18 at the Ala Moana Hotel brought our readers and their friends and family in contact with Generations Magazine’s partners in a vibrant atmosphere of sharing and learning.
“One of my colleagues once said, ‘There are only four kinds of people in the world: those who have been caregivers, those who currently are caregivers, those who will be caregivers, and those who will need caregivers.’”— Rosalynn Carter, 1997
Former first lady Rosalynn was a caregiver herself and she believed that family caregiving is a cycle of life that touches everyone. Here, four people, each at a different point on the cycle, share their care stories from the heart, offering words of wisdom and points of caution. As you read, consider your journey on the Cycle of Caregiving. Where are you? Are you prepared?
LORI & GERALD LEE – Beginning Caregivers
Lori, Pearl and Gerald Lee
I worked as an elementary school teacher for 33 years and recently retired from the Hawai‘i State Department of Education. My husband, Gerald, is still working at Pearl Harbor Environmental Division and plans to retire in a year or two. We have been happily married for 35 years, are empty nesters and have three successful children, Chase, Shelby and Dayne. We love to travel and enjoy new experiences. I planned to have an active retirement volunteering, traveling and, especially, enjoying my favorite hobbies — Zumba and yoga.
A year ago, right after I retired, Dr. Edith Pang called us to report that Pearl “Popo” Lee, Gerald’s mom, was in feeble health. She notified Gerald to say, “Your mom needs someone to care for her, and your mom picked you.” It took us by surprise! Popo was a stay-at-home mother who became a widow seven years ago, and was suffering from diabetes, gout and other physical problems. She has four children: one in San Francisco, one in Japan and two on O‘ahu, Gerald and his sister. We were shocked and unprepared but felt a sense of obligation to help because I was retired, and the other siblings were not able to take her in.
How did you manage the transition?
Popo sold her home in Hawai‘i Kai and moved in with us a year ago. Being responsible for an elder’s health and well-being can be overwhelming. Providing meals on a diabetic and gout diet plan, monitoring her exercise, physical therapy, medications and scheduling her doctor’s appointments and social activities are one aspect; preparing our home — installing grab bars, door handles, nightlights and converting a bath to a shower — is another. Adjusting our lives and schedule so that she retains her dignity, feels contented and stays healthy is a challenge. I am happy to say that Popo’s health has improved since she came to live with us. She did not eat a healthy diet and wasn’t getting enough exercise on her own. Now she has lost weight, increased mobility and her stamina for exercise. Her balance has improved and her sugar levels are good. I think the structure of a daily routine makes her more confident.
Popo enjoys activities with her new friends at Hale Hau’oli in Aiea.
Is Popo still able to socialize now that she lives in your home?
Certainly. She is enrolled in senior day care at Hale Hau‘oli in ‘Aiea. Kathy Wyatt and her staff provide an inclusive “club” that Popo loves, and she has made many new friends. Our family comes to our house to visit her and are learning that Popo and we need to know when they are arriving. They didn’t realize that Popo is not capable of scheduling or attending family functions on her own. When they take Popo out for lunch, they need to arrange it with us, so we may schedule accordingly. These little adjustments are expected when an elder has lived decades in her own home, but it takes energy to set new rules without offending people who assume she is in the same condition as years past.
Where did you find information to train yourself for caregiving?
Actually, my mom trained me by example when she was taking care of her aging parents. I am very fortunate to have had that experience, and I am not afraid of this vital responsibility. To find local resources for Popo, we look online and get advice from neighbors and friends who are caring for their parents. The resources and advertisers in Generations Magazine offer useful information. Every situation is unique, so we are always thinking and trying out new strategies. Caregiving is a work in progress at all times. That is what takes so much energy.
What do you see in the future?
We have barely discussed the future, but if her needs become more than we can handle, we will need to seek professional help such as specialized nursing care.
Any lessons learned that you want to share?
Tell your readers that they cannot anticipate everything. We discovered that TV Parental Controls are essential when Popo accidentally ordered “Baywatch Season 5” and “The Bachelorette Season 2” on my Amazon
account. She knows not to give out her credit card number, but somehow she got on Amazon, where purchases are automatically charged to my card! She doesn’t even know what “Baywatch” is! You just have to laugh.
Being mindful of each other is very important, too. It’s a marathon, not a sprint, and every bit of help counts. Establishing new habits requires conscious patience, such as reminding her to wear fresh clothes every day. Once the routine is working, focus on creating meaningful memories throughout each month. Anticipation of fun events and seeing family and friends brighten every day leading up to the activity too. Your retirement plans might not include some form of caregiving now, but that might be in your future. Don’t get blindsided.
Caregiving is a work in progress at all times. That is what takes so much energy.”
Pat Bemis – Current Caregiver
Pat and Gardner Bemis
I have a master’s degree in Nursing Education and I love teaching, and for 45 years I have enjoyed being a nurse. Strange, but caregiving is a bit different from nursing. It’s 24-hour duty that never ends and most of the time you are making decisions alone. Having nursing skills and medical background is a significant advantage, but managing and providing long-term care is harder.
About eight years ago I experienced unusual fatigue. My thinking at the time was that I was “helping” my husband with chores, finances, driving, and medication management but he was doing his own personal care, so it wasn’t caregiving.
One of my closest friends had to inform me that I was really a caregiver! I had eased into it without even knowing.
How is your caregiving journey going?
I care for my husband at home, and still enjoy being with my tall, handsome physician. The biggest challenge is doing all the thinking for another adult. He looks the same except for a bit slouched in posture and shuffling steps. But he has difficulty making choices and decisions and problem-solving, and it breaks my heart. His short-term memory loss is at times hard to deal with and causes me to ask God for more patience — almost on an hourly basis. However, he can still make correct diagnoses when watching medical shows on TV. The brain is a wonder that continues to baffle me.
My husband and I worked together, so I was one of the first to know when he was diagnosed with Parkinson’s disease before age 40. He was young, handsome, brilliant, with lots of energy — a fun person to do fun things with. I was very optimistic about his prognosis, and saddened at the same time. He was an amazing doctor. We married, and he continued to work for 13 more years. We adopted a baby together to add to our blended family to make four daughters.
Did you have any earlier caregiving experience?
I also assist with the care of my mother on the East Coast. After my dad died in 2002, my mom fell into a funk. Previously assertive, energetic and self-assured, she became lost and didn’t know what to do with herself. My family relied on me to help with medical decisions and had I known the symptoms of dementia 15 years ago, I would have done many things differently for my mom. Her father had Alzheimer’s disease too.
When her behavior started to change, I misread it as her being “a Pill.” Not knowing her brain was failing, I was impatient and argued with her. When what she was saying was not matching what she was doing, I began to mistrust her. It was a tough period for us both. I now realize she knew something wasn’t right but she didn’t know what it was. She was afraid to tell anyone and didn’t know what to do. It took much detective work to figure out that what she was telling her doctor and the truth were not the same. Her physician finally diagnosed her with Alzheimer’s three years ago. Had I known better, I would have gotten her care faster and been more compassionate. When I apologize to her, she says, “I have no idea what you are talking about — so there is no need to apologize.”
Is it difficult being on a care team for a loved one who lives on the mainland?
Yes. I am blessed to have two very supportive younger brothers who are helping. My family is on the East Coast and what I have experienced is that
“everyone who cares can do something.”
A sister-in-law and nieces picked up Mom’s wash weekly and drove her to outside appointments before she went into skilled care. Now, the great-grand kids visit Mom and share her activities, like coloring. My brothers have moved Mom’s belongings several times as she graduated to more intense levels of care. They set up her room the way she likes it. When they visit her, they “face time” with me so I can actually see how Mom looks. I have been the financial contributor as well as her health care proxy. My retirement savings ran out in 2016 and, last year, all her funds were gone and I had to apply for Medicaid for Mom. I am grateful that we have options, but it is very sobering to see your loved one outlive their financial resources.
Pat, what would you have done differently?
My biggest takeaway of caregiving is that I was not prepared. Yes, I had end-of-life discussions with my parents and my husband. But what about the time before the end of life? Both my parents and husband wish to be body donors. That is wonderful, but what about the years of “dependent living” required between now and your ending? I have learned that the journey can be long.
I wish I had stayed employed longer. I miss having an income. For intellectual stimulation, I volunteer, go to yoga twice a week, belong to a sewing group and an art group. I would have gone bonkers long ago if it weren’t for my core group of girlfriends, “The YaYa’s.” They are the best support in the world, not only for me but also for my husband. My joy in life is our granddaughters, who bring unconditional love into our lives and home.
While caring for her husband at home, Pat is also part of her mother’s care team along with her brothers. She regrets misinterpreting her mother’s early signs of dementia.
Any words of wisdom for caregivers?
My biggest concern is who will pay attention to me should I inherit Alzheimer’s. Who will know the difference between my rational and “not normal” behavior? Therefore, my No. 1 job is to take care of myself. If I do that well, then I can carry out my caregiving responsibilities well too. At the end of the day, I believe that I am doing the best I can for those I love and they truly do appreciate it.
I suggest that all caregivers plan for their own future care. Get information from professionals and seek out resources. Last year, I visited almost all the assisted living facilities in Honolulu to see what they offered and if I would be comfortable there. I am proud that I tackled this eye-opening experience. I want to know what will be available for me and not wait for a crisis to figure out where I will live who will care for me. All I am learning will help me make good decisions.
I also suggest getting involved with AARP. They opened my mind to a whole host of ideas, options and information. I am grateful to be a member.
At the end of the day, I believe that I am doing the best I can for those I love and they truly do appreciate it.”
Jody Mishan – Former Caregiver
Jody Mishan
I am the daughter of John and Maria Mishan. Without my parents, I wouldn’t be here, so I wish to honor that. Every caregiving journey is unique. Mine deepened the love my father and I shared, shaped my character.
Tell us when that journey began and about your experience of caring for your father.
I cared for my father after he was diagnosed with Alzheimer’s disease from 1999 until his death in late 2006. My father was not defined by dementia, but by a lifetime commitment to family and career. Dad served as a Navy aviator in World War II in the Mediterranean Circle, flying reconnaissance missions on the coast of Africa. He received the Distinguished Flying Cross for his service. Caring for my father was the best and most important thing I will ever do in my life. I witnessed the true hero that he was, remaining a gentleman and expressing love and grace until the end. Caregiving was a gift and a blessing that changed my life.
Discovering the lack of resources available, I started to advocate for improvements in caregiver support. During this time I served as public awareness coordinator for Kōkua Mau: Hawai‘i Hospice & Palliative Care Organization. They truly understood my caregiving journey.
Assisting a vulnerable loved one strengthens your compassion, courage, strength, commitment, loyalty and patience. Caregivers of family members with dementia ride a roller coaster of anger, depression, stress and exhaustion; I learned that compassion is stronger than negative emotions, and patience is a muscle that can be strengthened. Like characters in “The Wizard of Oz,” we don’t know our courage until tested. Our brains and hearts will rise to the occasion.
Jody’s father, a Navy aviator in WWII, loved being out in the fresh air, so she incorporated walks in Manoa’s beautiful neighborhood parks into his care routine early on.
Can you share some details of your caregiving?
Early on, Dad was diagnosed with a mix of Alzheimer’s disease and Lewy body dementia, which explained the stiffness he experienced as it progressed. We made the best of the gradual loss of physical and mental ability, developed a good sense of humor, learning to “not sweat the small stuff.” We validated him, made him feel loved and treasured, giving him “moments of joy”— important pillars of dementia care.
In those early stages, Dad enjoyed going places in the car and taking walks in Mānoa where we lived. For the last three years, he was unable to move on his own, in need of total physical care. We were able to afford professional caregivers in the daytime, but I was alone with him at night, setting my alarm to get up to turn him in bed and change him if needed. Sometimes I had day shifts too.
Do you have any tips for new caregivers?
I noted things that worked or did not work on my dementia caregiver’s journey.
Seek resources, help, support, anywhere you can get it. It takes patience and time to identify people and services that actually make a difference.
Be proactive: read books, search online. Join a support group and seek dementia caregiver training.
Practice self-care in your own personal way —
meditation, visualization or exercise. Find anything that brings you joy, even if it’s just 15 minutes with a friend or walking.
If your loved one has memory loss, see a geriatrician or neurologist for an assessment. About 9 percent of conditions causing memory loss can be reversed. An early, accurate diagnosis is essential.
If they are able, take your loved one for walks or shopping to help them remain a part of the community as long as possible.
Photograph by John DeMello
How did you deal with caregiver burnout?
Praying for strength and guidance became a regular habit. I also bonded with other dementia caregivers at an Alzheimer’s Assoc. support group for poetry and journaling led by Frances Kakugawa.
Regularly talking about my feelings with a counselor made a huge difference! I also found compassion, support and understanding from co-workers at Kōkua Mau. The beautiful love that Dad and I shared gave me strength. It made me happy to see him content and smiling, safe and comfortable.
Any regrets or mistakes?
There were times I lost my temper, which is normal for dementia caregivers. I found myself cussing in traffic, getting irritated when he was not treated well in hospital or rehab. It surprised me that I could get so outspoken and not care what others think. But I was fighting for him and his rights, so it made me ornery. My lack of sleep did not help.
Were there any residual effects?
This is a critical question! It takes years to recover from the caregiving burnout, to grieve and process the experience. You have to train yourself not to be vigilant anymore, to sleep through the night, to put yourself first and find joy again. It’s like PTSD in many ways. There should be support groups or counseling for recovering caregivers.
Before becoming a caregiver, I was an audiovisual writer/producer. After his passing, I wrote/produced “The Genius of Aging” public awareness campaign for KGMB TV. I was a coordinator for the first State Plan on Alzheimer’s Disease and Related Dementia for the Executive Office on Aging. Now, I am a consultant for UH Center on Aging’s Hawai‘i Alzheimer’s Disease Initiative.
So caregiving for Dad set me on a new career path working on dementia projects with fantastic healthcare visionaries, service providers, aging advocates and educators. Dementia caregivers are now my tribe — people who really care.
Poetry and journaling are one of the most essential and effective healing activities I discovered on my journey. Visit Frances Kakugawa’s blog.
You have to train yourself not to be vigilant anymore, to sleep through the night, to put yourself first and find joy again. It’s like PTSD in many ways.”
Carleen MacKay – – Future Care Recipient
Carleen MacKay
I was a VP for human resources for high-tech Silicon Valley employees who were making over $100k annually and losing their jobs. In the industry, it is called “out-placement,” a process by which companies assist laid-off employees find new employment. My book, Alternative Ways to Work, helps people manage career change, re-imagine their skills, and stay relevant. Another of my 35 books that seniors love is The Hundred Year Life: juxtapose imagination and facts. I write about what I do best — embrace the future with joy and gusto. To be honest, I have never considered slowing down by choice or by need. But Percy Ihara tells me that 70 percent of people will require some long-term care at the end of life. Yikes! I need to start planning!
You’re so active at 80; do you visualize yourself in long-term care?
So far, I can take care of myself — always have. Long-term care doesn’t sound like too much fun. But I am going to look into local care facilities and options to see what I might be able to afford.
Do you have children?
Yes. I was a single parent, and all three of my children have college educations — two own their own businesses. I live in an ‘ohana unit in one son’s home, and when I told him about this interview, he said, “Oh don’t worry. We’ll take care of you.” But my kids have done less planning ahead than I have. I do not expect them to bear the whole burden of my end-of-life care — either financially, emotionally or physically. I read that injuries due to falls often end independent living and break your bones and spirit. I need to call my local Aging and Disability Resource Center and get a free fall prevention assessment of my apartment right away.
Can you see yourself in the cycle of caregiving?
Sure do. I cared for my mother in her home when she came to the end of her life. I was a businessperson, so I hired a maid for cleaning and later found a care facility where my mother could be treated, cared for and offered socialization with other seniors. However, I never provided hands-on care, and I don’t expect my kids to do that either. I like to work, be involved socially and do fun kinds of exercise to keep healthy. However, time — as it does for one and all — is beginning
to overtake me.
Carleen MacKay at home
Time is a big issue. Healthy seniors fear they will outlive savings and retirement income.
Yes; I am proud that I lived prudently in my early years and that I still bring in a little income. But I’ll be honest; my vision is to “die in the saddle,” writing books and giving lectures on the road. I want to keep active late in life, but I just learned that people over 70 could expect to outlive their body’s ability to perform the tasks of daily living, and the odds against dying in the saddle are very high. In case I die long, I don’t know if my savings will be adequate. I need a Plan B that addresses other options to pay for the kind of care I want. My children need to know what my wishes are, too.
Some of our readers haven’t done much planning either. What’s your next step?
Well, I am just getting into Generations Magazine resources, which are chock full of useful information for aging in place and end-of-life planning. I’m going to get educated and educate my family as soon as possible. I just found out that I am too old to buy long-term care insurance, so I already missed out on one financial option. I also learned that Medicare does not have long-term care benefits, so paying for care is my primary concern.
I think your readers should share this article with all their neighbors, family and friends who plan to work till they drop. Tell them not to wait until 80 to draw up a Plan B. We seniors who work are experts at what we do — and we also have to be experts in planning for long-term care the end of our lives. Better late than never!
I want to keep active late in life, but I just learned that people over 70 could expect to outlive their body’s ability to perform the tasks of daily living.”
Jody, Pat, Lori and Carleen are at different points on the cycle of caregiving. Where are you? What did you learn from their experiences and tips?
Rosalynn Carter and the original members of Last Acts started a significant movement, and they would be surprised to see professionals in geriatrics, long-term care, homecare, financial planning, reverse mortgages, hospice and adult day care and strategies for aging in place struggling to keep up with demand for their services. The number of people over 80, cost of care and waiting lists are all growing. The fact is, family caregivers still provide most eldercare.
The common threads in our four caregiving stories are that long-term care is a team effort that requires careful planning. Generations Magazine resources offer many professional options for care. Talking with your family and other families on the cycle of caregiving will help you find the best plan for you.
Former first lady Rosalynn was a caregiver herself and she believed that family caregiving is a cycle of life that touches everyone. Here, four people, each at a different point on the cycle, share their care stories from the heart, offering words of wisdom and points of caution. As you read, consider your journey on…
As morning dawned on December 5, 1941, a fisherman cast his net along O‘ahu’s north shore. A college student helped his father open a new business. A volunteer took kids to the beach in Waimānalo. It was pretty much like most other days, for most people. But Sunday, December 7, 1941, would become known as…
Only one out of every 44 cases of financial abuse among the elderly ever gets reported and even fewer make it to trial. This is the true story of one of those cases.
This story starts with the death of a woman’s son in Afghanistan. Following his tragic passing, the government paid her more than $500,000 in death benefits. So, she took the money to a broker and told him that it was everything she had for retirement and, in addition, she wanted to access about half of it to buy a home with her daughter. The broker, after listening to her story, placed the money in securities called Real Estate Investment Trusts (REITS) and Limited Partnerships.
The securities paid a dividend for about two years. And then the dividends got smaller. And smaller. Finally, when she wanted to cash out half of her money, the investments that she was in prevented her from doing so.
Sensing something was seriously wrong, she sought out legal representation. Her situation was identified as textbook securities fraud, and after a settlement she won back her finances.
Before approaching an advisor to invest your money, you should check for any past disciplinary actions against them by calling the Department of Commerce and Consumer Affairs at 808-586-2744, or using the Financial Industry Regulatory Authority’s (FINRA) BrokerCheck website, http://brokercheck.finra.org/
If you suspect you are a victim of securities fraud, seek out a legal firm that includes a practice specializing in that area.
Only one out of every 44 cases of financial abuse among the elderly ever gets reported and even fewer make it to trial. This is the true story of one of those cases.
In the 1960s, there was a game show called “What’s My Line?” that featured a panel of four celebrities who would try to guess what line of work a guest on the show was in. This panel would ask Yes/No questions about the individual’s career and every time the answer was No, the guest would win a small amount of money. It was very entertaining watching the panelists guessing if someone was an airline pilot or a rocket scientist. Often their guesses hinged on how a particular person looked or their confidence when they gave an answer.
We often have these preconceived notions of who people are by how they dress or speak to us. I see this each time I give a presentation and ask the simple question, “What does a con artist look like?” The answers I receive are oftentimes humorous. Descriptions of used car salesmen and politicians are shouted out, with visuals of “shifty eyes,” bad toupees, rapid speech, and loud aloha shirts added in for effect. Audience members are confident they would be able to clearly spot a criminal if they were to meet one.
When I tell of the cases the Elder Abuse Unit has prosecuted over the years, and relate who the perpetrators of these crimes were, the audience becomes unsure of their scam artist radar. They sit in disbelief hearing of the daughter who took $200,000 from her mother, leaving her unable to pay the mortgage and facing foreclosure. Or the caregiver who stole all the wife’s jewelry when she was hired to care for the disabled husband. Or the pleasant woman who simply walked into the house of an elderly couple in ‘Aiea and pretended to know them, distracting the couple while her husband entered the home and took items from the bedroom.
Over and over, I hear from victims about how nice the criminal looked or how polite he sounded over the telephone. Or maybe they felt sorry for him because of the sob story he told. Con men do not wear black cowboy hats to signify they are the bad guys. Oftentimes they are only revealed to be dishonest after the crime has been completed.
It’s difficult, however, to go through life being paranoid, suspecting every stranger you meet as having criminal intent.
Here are some simple ways to safeguard yourself from being a victim:
• When hiring someone for a job, get a written contract and include any spoken promises in it.
• Hire a licensed worker and verify their license by calling 808-587-4272.
• Check references.
• Don’t rush into a deal; if they can’t wait 24 hours something is wrong.
• Be comfortable saying “no thank you” and hanging up the phone or shutting the door immediately. (You may feel this is being rude, but a common tactic for shysters is to make you feel guilty for asserting yourself).
“What does a con artist look like?” The answers I receive are oftentimes humorous. Descriptions of used car salesmen and politicians are shouted out, with visuals of “shifty eyes,” bad toupees, rapid speech, and loud aloha shirts added in for effect.
Ideally, estate planning is “by invitation only.” Most people misunderstand this to mean that we, as the lawyers, are the ones doing the inviting. In actuality, it’s you, the clients, who are doing the inviting, by inviting us into your unique and textured lives.
Each person has deep concerns they want to address based on their unique life stories. By inviting us into their lives, it helps us to understand them and their concerns, so that we can hopefully help to make things better for them and their family.
This is true even when it seems that people only want to talk about probate and taxes. Estate planning is so much more than that. When people start the conversation by saying they want to avoid probate or minimize taxes, what they are often saying is that they worked so hard to accumulate things and they want to leave as much as they can for their beneficiaries to make life easier for them.
Many people don’t feel comfortable with this foundational human element and stay safe in “content, worth and procedure,” and avoid “context, value, and process.” However, it is each client’s unique story that provides the context and builds the foundation for each estate plan. It is the value underlying the worth of assets that provides meaning. Because life is in constant change, estate planning is a process of self-reflection and conversation, rather than solely the making of a document or going through probate.
When you see your estate planning attorney, tell your story and write it down. It will make all the difference in the world.
Ideally, estate planning is “by invitation only.” Most people misunderstand this to mean that we, as the lawyers, are the ones doing the inviting. In actuality, it’s you, the clients, who are doing the inviting, by inviting us into your unique and textured lives.
If philanthropy is part of your financial strategy, you may want to look for methods of giving that go beyond traditional monetary donations. Recent changes in the tax landscape may also be a reason to take another look at how you give financially. Here are four increasingly popular strategies that can work for you:
Gift highly appreciated stocks or other assets
If you hold stocks or other investments for more than one year that have gained value, liquidating the asset to make a charitable donation may result in a taxable long-term capital gain. One potentially more efficient way to maximize the value of your donation is to give appreciated stock directly to a charity. The charity would receive an asset it can continue to hold or immediately sell and you would not count the gift as taxable income. Additionally, the market value of the stock at the time the gift is made is generally deductible from your adjusted gross income if you itemize your deductions (subject to income-based limitations). Check to ensure the charity accepts this type of donation.
Establish a charitable trust
Another way to consider gifting assets is to set up a charitable trust. Trusts can help you manage highly appreciated assets in a more tax-efficient manner while, in some cases, allowing you to split assets among charitable and non-charitable beneficiaries. The timing of each gift and the flexibility you want dictates the type of trust that works best. With a Charitable Lead Trust, a charity is funded with income from assets placed in the trust for a specified time, after which, the remaining assets revert to other named beneficiaries, such as your heirs. In a Charitable Remainder Trust, the reverse occurs. The trust makes regular income payments back to you or another beneficiary. After a period of time specified in the trust, the remaining assets are directed to the named charities. These trusts have specific rules and are generally established through a professional. Another option is to choose a donor-advised fund, which allows you to make a large donation that may be immediately deductible from taxes, but gives you flexibility to recommend gifts to charities spread out over a period of years.
Maximize donations through your employer
Your employer may offer the convenience of making contributions through payroll deductions, allowing you to give systematically with each paycheck. In addition, your employer may match a certain donation amount, which can add to the impact your gift makes. If you have access to these or other workplace giving programs, check to see if the charities you care about are eligible to receive this type of donation.
Make a charitable individual retirement account (IRA) donation
If you have reached age 70-½, you are required to take distributions from your traditional IRA each year. If you don’t need the money to meet your essential and lifestyle expenses, you may prefer to avoid the resulting tax bill by taking advantage of the Qualified Charitable Distribution rule. It allows you to transfer funds directly from your IRA to a qualified charitable organization. This is a tax-efficient way to shift up to $100,000 out of an IRA each year. By doing so, you may avoid having to claim income (and subsequent tax liability) since you would not receive the required distribution.
As you consider these and other gifting strategies, consult with your financial advisor and tax advisor to ensure the gifts you make are most effective for your goals and consistent with your overall financial plan.
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 30 years.
Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.
Another way to consider gifting assets is to set up a charitable trust. Trusts can help you manage highly appreciated assets in a more tax-efficient manner while, in some cases, allowing you to split assets among charitable and non-charitable beneficiaries
There are three estate planning documents that every competent adult living in the State of Hawai‘i should have. Of course, “competency” can be an elusive quality, but once a Hawai‘i resident has turned 18, the law of our State presumes that person to be competent. So if you have children or grandchildren getting ready to leave Hawai‘i for college in the fall — or even
if they are staying in the Islands for the indefinite future — and if they are at least 18 years of age, they should have in place a durable power of attorney, an advance health care directive, and a HIPAA authorization. (HIPAA refers to the Health Insurance Portability and Accountability Act of 1996.)
Durable power of attorney
A durable power of attorney gives authority to other people to deal with one’s assets. The person who signs the power of attorney is called the principal, and the person appointed to act on the principal’s behalf is called the agent. Under Hawai‘i law, an agent owes fiduciary duties to the principal, and the agent can get in big trouble for failing to carry out those duties. Without a power of attorney in place, it might be necessary to institute an involved court proceeding if a person is absent or incapacitated at a time when something must be done with the person’s assets. This might be the case if the person is in an accident and cannot access his or her funds to pay for care or for regular obligations, such as rent.
Advance health care directive
You would use an advance health care directive to give authority to other people to make health care decisions for you if you are unable to communicate those decisions for yourself. If, for example, you were unconscious and you needed surgery, who would sign the consent forms for you? If you have an advance health care directive in place, your hand-picked health care agent could sign on your behalf. Your health care agent could also make other decisions for you, including end-of-life decisions. Without an advance health care directive in place, decision-making for you could be tricky, and your family could be forced into court in order to have a judge appoint someone to make decisions for you.
HIPAA authorization
Finally, a HIPAA authorization gives medical providers permission to talk to a person’s duly-appointed health care agents and anyone else the person wants to be privy to his or her health information. This permission is critical for actual decision-makers, because without it, a doctor can refuse to divulge anything about the person for whom decisions need to be made. Not a great position for the decision-makers to be in. They would have authority to make decisions, but no access to the specific information upon which decisions would be based. The patient may also want to give medical providers permission to talk with family members or others who do not have a decision-making role, but who the patient might nevertheless want to keep in the loop in the event of a hospitalization.
Talk with your trusted advisers about getting these documents in place for yourself and your loved ones.
There are three estate planning documents that every competent adult living in the State of Hawai‘i should have. Of course, “competency” can be an elusive quality, but once a Hawai‘i resident has turned 18, the law of our State presumes that person to be competent.