Deducting Long-Term Care Insurance Premiums in 2023

Seniors and Caregivers: Establish an Emergency Action PlanFor seniors and their caregivers, having a plan in place should an emergency strike can provide some peace of mind in a turbulent world. A crisis, such as illness, trauma, natural disaster, or any other unexpected adverse event, may one day require you to act quickly and decisively.Thinking and adapting can be particularly difficult when you are facing a high-stress situation. This is why disaster experts emphasize the importance of planning and practicing for various types of emergencies.For example, you might decide to run a fire drill in your own home. If your loved one lives in a residential facility, you want to ensure that the facility has suitable procedures in place. In an emergency, their staff members need to be able to provide adequate care for your loved one.If you do not have a disaster plan, its time to start creating one. If you have one, update it yearly and anytime there is a major change in your or your loved ones health care needs.Sharing Information on CaregivingHopefully, you would be able to continue to care for your loved one during and after a crisis. You should still ensure that other trusted individuals know how to care for your loved one, in case you are not with them. The more these helpers know about how to tend to your loved ones needs in emergency situations, the better.Start with writing a document to share with alternate caregivers. Involve the person who needs care as much as possible in this process. That way, you are making your loved one aware and allowing them to contribute. At the same time, it is also a great way to prompt conversations about what they might like to change in their current situation.The document should list your loved ones current needs, impairments, medications, and allergies. Describe what a typical day looks like for them, what provides comfort, and what foods they enjoy or avoid. Include crucial identifying information such as a current photo, date of birth, and Social Security number.A short biography informing providers of your loved ones interests, personality, and background can go a long way, especially if you are often their advocate or need to speak for them. Share this information with other family members, a family lawyer, their care facility, and anyone else who might help during a crisis.If you do not live with or near the person for whom you are creating the plan, think about who can help care for them until family arrives. Check which organizations or neighbors may supply necessities and check in on your loved one daily.In the Event of an EmergencyBe sure to keep any relevant medical information as well as your trusted contacts in an accessible place. Emergency responders, for example, you may look for your In Case of Emergency (ICE) contacts in your smartphone. Medical ID bracelets are essential for first responders as well.In addition, the Centers for Disease Control and Prevention (CDC) offers a Care Plan that you or your caregiver can print and fill out. In it, you can include detailed information on your medical care and emergency contacts. The CDC suggests storing the completed form in a waterproof bag with your insurance cards and photo ID.Consider creating a safety profile with Smart911 if it is available in your area. This free service will provide 911 dispatchers with details about your health needs or disability. In an emergency, this information could aid them in locating or assisting you. You can create profile for loved ones as well.Compile a disaster supplies kit; this may include your medications and any necessary medical supplies for your specific condition. Other items, like N95 masks, matches, and towels can prove useful in an emergency. Visit Ready.gov and the American Red Cross website for lists of recommended items and guides on preparedness.Planning for EvacuationThink ahead about how you would evacuate quickly and safely. Consider where you would go, how you would get there, and what you would need to bring.Does your chosen relocation site have adequate food, water, toiletries, and medication available? In times of emergency, keep in mind that you can check with the pharmacy before leaving, as many will provide early refills. Some major retailers also offer prescription delivery.Your plans should address specific seasons. For example, it may make sense to have summer plans that differ from winter ones, depending on where you live.Often, you or the senior needing care has medical needs requiring equipment, medicine, and attention. If they are not mobile, think about how you would relocate them in an emergency. Consider organizing some medical supplies in a bag or box to grab for a quick exit.Emergency relocation requires addressing the need to move all assistive medical devices and durable medical equipment. Remember batteries and chargers for all necessary devices.Try to avoid the need to evacuate quickly. A proactive early departure will help you stay calm and think more clearly. It may also help prevent potential difficulties like gas shortages and traffic jams.A Crisis Plan for Senior Citizens in a Residential FacilityYour plan for a senior living in a facility will look different than it would for one living in their home. Below are some recommendations to ensure aging loved ones in a facility will stay safe in a disaster:Review the facilitys backup generator, evacuation routes, and other basic precautions.Make sure the facility has your primary and alternative contact information.Request updates from health administration staff regarding changes in your loved ones emotional or physical state.Ask for medical records that document all care they are managing.Communicate frequently with your loved one in any way possible to ensure they are as safe as possible.Take detailed notes because it is easy to overlook or forget important details during times of high stress.Share as much information as possible with your loved one to reassure them that their health and safety are a priority.Start Small and SoonIt may feel overwhelming to consider all the steps involved in crisis planning and put it off until another day. Unfortunately, you never know when disaster might occur, so theres no time to lose.To start, jot down the most critical information and share it with your loved ones. You can always update your plan with more details later. These steps can provide organization, protection, and comfort in times of great uncertainty.This article shared by Ashley Day Special Needs & Elder Law.  Ashley Day can be contacted at 251-277-3377

Struggling to catch those elusive zzzs? The solution may lie right in your kitchen. Certain nutrient-packed foods possess the power to gently lull you into a deep, restorative sleep, offering a natural alternative to sleep aids. From tart cherries to fatty fish, these 10 superfoods are your ticket to blissful slumber.Unlock the Sleep-Boosting Magic of KiwiThe unassuming kiwifruit is a treasure trove of sleep-enhancing nutrients. Rich in vitamins C and E, as well as potassium and folate, kiwis have been shown to help people fall asleep faster, sleep longer, and experience better overall sleep quality. Researchers believe this may be due to the fruits high antioxidant content, which can suppress inflammatory markers, as well as its ability to address folate deficiencies and provide a natural source of the sleep-regulating hormone serotonin.Tart Cherries: Natures Melatonin BoostWhile sweet cherries may be the more popular variety, their tart counterparts are the true sleep superstars. Tart cherries, also known as sour cherries, contain above-average concentrations of melatonin, the hormone that governs our circadian rhythms and sleep-wake cycles. Studies have found that drinking tart cherry juice can significantly increase total sleep time and sleep efficiency in individuals with insomnia. The fruits powerful antioxidant properties may also contribute to its sleep-promoting effects.Malted Milk: A Nostalgic Bedtime BeverageMalted milk, made by combining milk, wheat flour, malted barley, and a touch of sugar, has long been touted as a sleep-inducing nightcap. While the exact mechanisms are unclear, the unique blend of B and D vitamins, phosphorus, zinc, and magnesium in malted milk may work in harmony to help the body relax and unwind before bed. Additionally, the melatonin naturally present in milk may enhance the sleep-supporting benefits of this classic bedtime beverage.Salmon and Other Fatty Fish: Omega-3s for SlumberSalmon, tuna, and other fatty fish are not only delicious, but they may also be the key to better sleep. These nutrient-dense proteins are rich in vitamin D and omega-3 fatty acids, both of which play a crucial role in the bodys release and regulation of serotonin, a neurotransmitter essential for healthy sleep-wake cycles. A study found that people who consumed salmon three times a week experienced improved overall sleep quality and daytime functioning, particularly during the darker winter months when vitamin D levels tend to be lower.Nuts: A Handful of Sleep-Promoting NutrientsFrom almonds and walnuts to pistachios and cashews, nuts are a veritable treasure trove of sleep-boosting compounds. These crunchy snacks contain a unique blend of melatonin, omega-3s, magnesium, and zinc all of which work together to promote relaxation and facilitate restful sleep. In fact, a clinical trial involving older adults with insomnia found that a combination of melatonin, magnesium, and zinc supplements significantly improved sleep duration and quality.The Carbohydrate Connection: Rice for SlumberWhile the relationship between carbohydrates and sleep is a complex one, some research suggests that rice may be a particularly sleep-friendly grain. A study of Japanese adults found that those who regularly consumed rice reported better sleep quality compared to those who favored bread or noodles. The high glycemic index of rice may play a role, as research has shown that consuming high-GI carbohydrates a few hours before bedtime can aid in falling asleep. However, its important to note that not all carbohydrates are created equal, and sugary snacks and beverages have been linked to poorer sleep.Dairy Delights: Milk, Yogurt, and Cheese for SlumberDairy products, such as milk, yogurt, and cheese, are rich in a trifecta of sleep-promoting nutrients: tryptophan, calcium, and melatonin. Tryptophan is an amino acid that helps the body produce serotonin and melatonin, the hormones that regulate our sleep-wake cycles. Pairing dairy with carbohydrates, such as whole-grain crackers or granola, can further enhance the sleep-inducing effects by allowing the tryptophan to more easily reach the brain. Additionally, the calcium and vitamin D found in dairy products are essential for maintaining healthy sleep patterns.Leafy Greens: Magnesium-Packed PowerhousesLeafy greens like spinach, kale, and lettuce are true sleep superstars, thanks to their high magnesium content. Magnesium is a mineral that plays a crucial role in regulating the bodys stress response and promoting muscle relaxation, both of which are essential for quality sleep. In fact, just one cup of cooked spinach packs an impressive 39% of the daily recommended magnesium intake. Incorporating these nutrient-dense greens into your diet can help combat the common sleep-disrupting issue of magnesium deficiency.Bananas: A Potassium-Rich Bedtime TreatBananas are more than just a convenient on-the-go snack theyre also a sleep-promoting powerhouse. Rich in tryptophan, magnesium, and potassium, bananas can help relax the body and muscles, reducing sleep disturbances and promoting a more restful nights sleep. The fruits natural sweetness also makes it a perfect pairing with milk or yogurt for a soothing bedtime treat that can lull you into a deep slumber.Honey: Natures Sleep-Enhancing NectarDrizzle a spoonful of honey into your bedtime tea or smoothie, and you may just find yourself drifting off to dreamland with ease. Honey has the unique ability to raise insulin levels in the body, which in turn triggers the production of melatonin, the sleep-regulating hormone. This natural sleep-boosting effect makes honey a valuable addition to any sleep-supporting bedtime routine.Chamomile Tea: A Centuries-Old Sleep RemedyChamomile tea has long been revered for its calming, sleep-promoting properties, and for good reason. The herb contains antioxidants that activate receptors in the brains GABA complex, providing a gentle sedative effect that can help you drift off to sleep. Sipping a warm cup of chamomile tea before bed is a simple yet effective way to wind down and prepare your body for a restful nights sleep.The Sleep-Disrupting Culprits to AvoidWhile incorporating these sleep-promoting superfoods into your diet is a great start, its also important to be mindful of the foods and drinks that can sabotage your sleep. Steer clear of caffeine, especially in the afternoon and evening, as it can interfere with your bodys natural sleep-wake cycle. Alcohol, despite its initial sedative effects, can ultimately disrupt sleep and reduce REM sleep. Spicy, acidic, and fried foods can also cause discomfort and acid reflux, making it difficult to fall and stay asleep. By focusing on a balanced, consistent diet rich in these sleep-enhancing foods, you can harness the power of nutrition to cultivate a more restful and rejuvenating slumber. Remember, while individual foods and drinks may offer sleep-promoting benefits, the true key to better sleep lies in adopting a comprehensive approach that addresses both your dietary habits and overall sleep hygiene. Sweet dreams await!

Embarking on a journey towards better health doesnt always require drastic changes to your diet. Sometimes, its the small, thoughtful adjustments that can make a significant impact on your overall well-being. We understand that as you age, maintaining a balanced and nutritious diet becomes increasingly important. Thats why weve compiled a list of six simple food swaps that can help boost your nutrition without overhauling your entire eating habits.1. Breakfast Cereal vs. Steel-Cut OatsIf you often find yourself reaching for a box of breakfast cereal in the morning, consider steel-cut oats as an alternative. Steel-cut oats, also known as Irish oats, are minimally processed oat groats that have been chopped into small pieces. This minimal processing means they retain more of their natural nutrients compared to their rolled or instant counterparts. Rich in fiber, protein, and essential minerals, steel-cut oats offer a hearty and satisfying breakfast option that can keep you feeling full and energized throughout the morning.2. Canned Tuna vs. Canned SalmonOne of the most significant advantages of choosing canned salmon over tuna is its higher content of omega-3 fatty acids. These essential fats play a crucial role in maintaining heart health, supporting brain function, and reducing inflammation throughout the body. Sockeye salmon, in particular, is an excellent source of these beneficial fats, providing more omega-3s per serving than most canned tuna varieties.3. Iceberg Lettuce vs. Dark Leafy GreensWhile iceberg lettuce seems to be popular at salad bars across the country, a simple swap for a healthier salad is using dark, leafy greens as a replacement. Dark leafy greens like spinach, kale and collard greens, contain 9 times more vitamin A than iceberg lettuce. Greens also contain healthy amounts of fiber, folate and potassium.4. Low-Fat Yogurt vs. SkyrSkyr (pronounced skeer) is a cultured dairy product that has been a staple in Icelandic cuisine for centuries. Its made by incubating skim milk with live active cultures, then straining the whey, resulting in a product thats thicker and more concentrated than regular yogurt.The nutritional benefits of Skyr are truly impressive, especially when compared to low-fat yogurt. Skyr contains up to 17 grams of protein per 6-ounce serving, which is significantly more than low-fat yogurt. Since Skyr is a cultured dairy product, it contains probiotics that support gut health. Lastly, its low in sugar, which is great for those who are monitoring their sugar intake.5. White Bread vs. Whole Grain BreadThere are many different types of breads available in super markets, but the two most common types are white bread and whole wheat. While they are both made from grains, there are some key differences between the two types. Whole grain bread is made from wheat that has all components of the grain, the bran, the germ, and the endosperm. This means that whole wheat bread contains the healthy fats, minerals, and fiber. White bread is made from refined flour, which goes through a milling process that removes the bran and germ. Therefor, white bread lacks a lot of the nutrient properties of whole grain bread.6. Potato Chips vs. Baked SnacksPotato chips are fried in oil, which gives them a delightful texture- but unfortunately, more calories and fat. Baked snacks like pretzels, air-popped popcorn or veggie chips are cooked without any inflammatory oils, but can be just as satisfying. As you embark on this journey of healthier eating, keep these final thoughts in mind: Listen to Your Body: Pay attention to how these new foods make you feel. Everyones nutritional needs are different, so find what works best for you. Gradual Changes: Introduce these swaps gradually. This approach is more sustainable and allows your taste buds to adjust. Experiment and Enjoy: Dont be afraid to get creative with these new ingredients. Trying new recipes can make healthy eating an exciting adventure. Balance is Key: While these swaps offer nutritional benefits, remember that a balanced diet includes a variety of foods from all food groups. Consult Professionals: If you have specific health concerns or dietary restrictions, its always wise to consult with a healthcare provider or registered dietitian before making significant changes to your diet. By making these thoughtful swaps, youre not just changing whats on your plate; youre investing in your long-term health and well-being. Each meal becomes an opportunity to nourish your body with foods that not only taste good but also do good for your health.