Can Advanced Care Planning Help Everyone?

Under most long-term care policies, you are eligible for benefits when you cant do at least 2 out of six Activities of daily living, called ADLs on your own or suffer from Dementia or other cognitive impairment.Many policyholders delay utilizing benefits for many reasons: fear of the unknown, wanting to maintain control over their lives, concern for losing their independence, or appearing needy or weak.EVERYONE ages and needs some assistance. Individuals who require long-term care are generally NOT sick in the traditional sense, but instead are unable to perform the basic ADLs without support.When a loved one needs support at home to continue to live independently, long-term care insurance can be a big help in making that care more affordable.If you know your loved one has long-term care insurance and is struggling with ADLs encourage them to utilize their policy benefits as there is no refund of premiums to the family if benefits are not utilized.To better serve clients with long-term care insurance, we accept a wide variety of policies including:American PioneerBankers LifeConseco (SHIO)John HancockGuarantee TrustKanawhaMetlifePenn TreatyTransamericaUNUMWashington NationalThe Certified Nursing Assistants (CNAs) and Home Health Aides (HHAs) referred by Granny NANNIES are understanding and specialize in providing companionship, mobility assistance, and transportation services that keep seniors independent. They can also help relieve daily stress and keep our loved ones active and social. We carefully screen CNAs and HHAs for not only the essential legal requirements but also the kindness and compassion needed to care for others. Founded in 1990, Granny NANNIES offers services that can be personalized to meet the requirements of any individual, regardless of age or need. Available 24 hours a day, 7 days a week, we provide quality, trustworthy, reliable, and affordable in-home care. 

Older adults can seek financial guidance from a range of well-known types of professionals, but when it comes to making long-term care decisions, it can be difficult to know who can help. The senior care services a person needs and can receive are greatly influenced by their health conditions, their health insurance coverage, community resources and programs, and the types of senior care services appropriate for them. It can be challenging to know how to navigate all these factors. Here, we explain three types of experts who can help seniors understand their options for long-term care, including State Health Insurance Assistance Program specialists, social workers, and senior living advisors. State Health Insurance Assistance Program (SHIP) specialistEvery state has a State Health Insurance Assistance Program (SHIP), a free and unbiased information resource that educates state residents aged 65 and over and their families and caregivers about Medicare, Medicaid, and other assistance programs. The Omnibus Budget Reconciliation Act of 1990 required the Centers for Medicare and Medicaid Services to create state-level advisory programs that help the public better understand these complex programs. Because every state runs its own Medicaid program and may have varying rules about other programs and insurance, each operates its own SHIP with volunteers to educate residents. SHIP specialists must provide unbiased information about health insurance programs. For example, they can help explain how to enroll in Medicare, but they cannot enroll someone in Medicare. SHIP specialists can help older adults by: Explaining Medicare enrollment, including penalties associated with late enrollments.Explaining the options for Medicare coverage.Describing services that Medicare does and doesnt cover.Defining Parts A, B, C, and D of Medicare, including supplemental plans.Explaining Medicare Savings Programs.Explaining the Low-Income Subsidy program.SHIP counselors can also refer seniors to the state Medicaid office or the Social Security Administration if they meet eligibility requirements for certain programs.Older adults with questions about insurance and other assistance programs can find their local SHIP counselor at shiphelp.org.Social workerA social worker is a highly trained professional with a masters degree who helps individuals cope with issues and access supportive programs. Social workers who work with older adults are often employed in hospitals, skilled nursing facilities, home health agencies, and geriatric doctors offices.These professionals often have knowledge of state programs like Medicaid and Medicare, PACE programs, and other programs that older adults may need to access. They have contact information for local and state offices that can help older adults with these programs as well. Because social workers have a holistic view of older adult medical conditions, long-term care needs, senior living facilities, and public programs, they are a great liaison for helping older adults access the help they need. Senior living advisorA senior living advisor is a professional with in-depth knowledge about the common care needs of older adults, long-term care options, and financial options to fund care services. A senior living advisor can also obtain the Certified Senior Advisor (CSA) designation, though it is not required. The CSA designation requires the individual to pass an exam and background check. The exam tests knowledge of the aging process, needs for care, financial matters related to retirement and long-term care, and other pertinent topics.A senior living advisor can be a great help to an older adult who needs care and assistance in deciding the best way to obtain that care. These professionals typically offer their services to older adults and get paid by the community or the provider where the older adult moves in or contracts services. Some of the services and assistance a senior living provider will offer to their senior clients and their families include:Educating the senior and family on long-term care options, including home care, so they can decide which option is best for them.Providing suggestions for senior living or long-term care facilities based on the senior clients care needs.Acting as the liaison between the community and the senior and family in scheduling the community tour.Accompanying the senior and family on each community tour.Connecting the senior and family with individuals who can assess financial ability and needs to pay for care services.The senior living advisor deals with many communities and home care providers in their area and can objectively discuss each, helping seniors and their families navigate selecting the right long-term care option. Because senior living options and prices vary depending on the location, working with a local senior living advisor is the best way to learn the most about long-term care options in a seniors area.Get help understanding your long-term care optionsWhen it comes to making a decision about long-term care services, many factors must be considered. While elder law attorneys, estate planners, accountants, and other financial professionals can help older adults assess their financial means to cover senior care costs, individuals like SHIP specialists, social workers, and senior living advisors can help seniors understand their options for care. Through the collaboration of financial professionals and long-term care experts, older adults can more easily access the long-term care services they need.

As we approach our golden years, the likelihood of developing diabetes rises significantly. In fact, according to the National Institutes of Health (NIH), one-third of seniors have diabetes, and one-half have prediabetes. These numbers underscore the unfortunate reality that many older adults face daily as they navigate this condition. In this blog, well delve into the types of diabetes, symptoms to watch out for, and practical tips for managing it to help ensure that you or your loved one continues to live a healthy and fulfilling lifestyle.What is diabetes?At its core, diabetes is about the bodys struggle with managing glucose, which is a vital source of energy for our cells. When this process breaks down, it can lead to various forms of diabetes, such as:Type 1 Diabetes: An autoimmune condition where the bodys defense system mistakenly attacks insulin-producing cells in the pancreas. This type of diabetes affects millions, including a significant number of adults.Type 2 Diabetes: Predominantly observed in adults, type 2 diabetes develops when the body becomes resistant to insulin or fails to produce an adequate amount. Lifestyle factors, including diet and exercise, play a significant role in its onset.Prediabetes: Think of this as natures warning bell. Blood sugar levels are elevated but not high enough to be classified as type 2 diabetes. Alarmingly, 26.4 million seniors are in the prediabetic stages.Understanding these forms of diabetes is crucial, particularly as experts predict that the number of seniors with diabetes will double for those between 65 and 74 years old and quadruple for those older than 75 within the next couple of decades.Recognizing the warning signsSome diabetes symptoms can be subtle and easily mistaken for normal signs of aging. Being aware of these signs can lead to early diagnosis and better management:Frequent urination: This could be your bodys way of trying to flush out excess sugar.Excessive thirst: High blood sugar can lead to dehydration, making you feel thirstier than usual.Unexplained weight loss: When your body cant use sugar for energy, it starts burning fat and muscle, leading to weight loss.Fatigue: High sugar levels can make you feel tired and worn out, even after a full nights sleep.Blurred vision: High blood sugar can cause the lenses in your eyes to swell, altering your ability to focus clearly. If left untreated, this symptom can worsen rapidly and lead to permanent low vision complications.Slow-healing wounds: High blood sugar affects your blood flow and causes nerve damage, making it difficult for your body to heal wounds.Frequent infections: Diabetes tends to weaken the immune system, making you more susceptible to infections.Lifestyle tips for navigating diabetesManaging diabetes is a team effort, involving you, your loved ones, and your healthcare providers. Heres how to play your part:Diet: Food is fuel. Opt for foods that stabilize blood sugar, like whole grains, lean proteins, and colorful vegetables. These not only nourish but also ensure steady energy.Exercise: Gentle exercises like walking can boost mood, tai chi can improve balance, and swimming offers a full-body workout without stressing the joints.Regular Check-ups: Stay informed about your health. Regular monitoring can help tailor your management plan and catch potential issues early.Medication: Sometimes, diet and exercise might not be enough. Medications or insulin can help bridge the gap. Always consult with your doctor about your medication options.Living with diabetes day-to-day can be challenging, especially for seniors. Thats why weve created a free, easy-to-follow Trusted Tips guide to help you or your loved one navigate these challenges with greater ease and effectiveness. Download it today.Potential complications with diabetesDiabetes, if left unchecked, can open the door to other health challenges such as: Heart disease Kidney disease Vision problems Diabetic Neuropathy But heres the good news: proactive management can significantly reduce these risks. Regular check-ups, a balanced diet, and consistent exercise are your best friends when it comes to keeping the effects of this condition in check or preventing its onset entirely.Managing diabetes with supportNavigating diabetes in your golden years requires a delicate balance, but fortunately, you dont have to go through it alone. Use these insights to help you recognize early signs and cultivate healthy habits, empowering you or your loved ones to lead fulfilling, healthy lives.At HomeWell Care Services, we specialize in providing personalized care that simplifies diabetes management for seniors. Our services encompass everything from efficient medication management to ongoing symptom monitoring, all designed to support your health or that of your loved one on a daily basis. If youre seeking a care solution that adapts to the unique needs of living with diabetes, contact us today.