Hearing Aid Wearers are Happier and Healthier

As many of us who work with seniors know, hearing problems are a common part of aging. However, even with hearing loss, seniors can enjoy the same quality of life with the right support system and accommodations. With these simple strategies, we can help them thrive.Understanding Hearing LossHearing loss is a worldwide issue. Genetics, consistent exposure to loud noises, and changes in the inner ear can all cause hearing loss. Recognizing these signs of hearing loss is crucial to knowing how to improve seniors well-being:Difficulty understanding conversations, especially in noisy environmentsFrequently asking others to repeat themselvesAvoiding social activities that were once enjoyableTurning up the TV or radio volumeEmpowering CommunicationSupporting our seniors with hearing loss starts with these strategies:Assistive Listening Devices: Explore assistive devices like hearing aids, personal amplifiers, or captioned phones. These tools can significantly improve communication.Speak Clearly: Face the person when talking, enunciate clearly, and minimize background noise as much as possible.Beyond Words: Lip reading and visual cues can be helpful. Encourage using gestures and facial expressions.Create a Quiet Environment: Choose a well-lit, quiet environment for conversations. Consider using a room with carpets or curtains that can absorb sound.Theres an App for That: Smartphones and tablets offer subtitles, speech-to-text conversation, and video calls that are perfect for staying connected.Emotional Support: Hearing loss can be frustrating. Offer emotional support and encourage seniors to connect with support groups. They can share their experiences with others facing similar challenges.Lend a Listening Ear and a Helping HandEmpowering seniors with hearing loss involves awareness, careful communication, and technological solutions. A supportive environment with accessible resources allows seniors to live comfortably and confidently, no matter their circumstances.

You already know that taking care of your health allows you to prolong your life and enhance your quality of life. But have you given serious thought to how your health directly impacts your future? Your legacy? The ones you love the most? What were talking about here is estate planning, and its every bit as important as your physical health. I know, I know, it could sound weird to equate health with estate planning but hear me out. By the end of the article, the connection will be clear.  The Link Between Your Health and Estate PlanningEstate planning often brings to mind wills, trusts, and other legal paperwork, and in fact, thats maybe what you initially thought when you read the title of this article. However, I want to challenge that assumption with this: the documents are merely the byproduct of estate planning. You may be thinking, how are documents the byproduct of estate planning? Heres what I mean.Estate planning is all about ensuring your wishes are honored if you become incapacitated so you can live and die with dignity. Its also about ensuring that the people you love most will know you loved them, that theyre cared for when youre gone in a way you cared for them while you lived, and that youve removed all the pain, potential conflict and expense they will have to endure if you have no plan in place. Estate planning supports your loved ones to grieve in peace rather than face a long, expensive court process or confusion regarding how to find your assets or understand what to do when you are gone. Estate planning is also about leaving a legacy. Contrary to what you may be thinking - that legacy is not only related to money and reserved for the wealthy and philanthropic - legacy is about the mark you make on those you hold most dear. Its about defining your humanity and what you stood for. Putting your affairs in order now so your loved ones dont have to deal with a mess later is a legacy, too. Making it clear that you loved your family is a legacy. What about health? How does your health connect with estate planning?Your health plays a significant role in shaping your preparations for the future in general, and how you structure your estate plan in particular. I want to first say that while health can refer to mental health, emotional health and spiritual health, and all are important, well focus on physical health here. So lets take a look at the direct link between your physical health and estate planning. Youll come to see that by prioritizing your physical health, you can not only enjoy life with more ease, but also avoid complications in your estate planning. Longevity and Retirement Savings. Your physical health has a direct impact on your lifespan, which in turn affects how long your retirement savings need to last. If you maintain good physical health, youre likely to live longer (yay!) and will need a more extensive plan regarding your assets, for your longer life.Healthcare Decisions. Consider the potential need for long-term care. Alzheimer's or dementia could require long-term care solutions that you may or may not choose. In your estate plan, its crucial to not only make sure youre financially covered for these possibilities, but to also ensure youve made it clear how you want to be cared for, if you cannot make decisions for yourself. There comes a point in time at which its too late for you to make your wishes known and given that you are reading this now is the time to document what you would choose, if you could not choose.This is why you need a healthcare power of attorney, or a living will in your plan. These are documents that designate the person (or people) you choose to make medical decisions on your behalf if youre unable to do so. Your designated healthcare agent (or agents) will not only ensure that your healthcare preferences are respected but will also align your medical treatment with your personal wishes. Without these documents in place, a judge (i.e., a complete stranger) could appoint someone to act on your behalf. Maybe even someone you dont trust or wouldnt want making decisions for you. Or, in a worst-case scenario, a judge could even appoint a professional conservator who could drain your estate financially.Disability and Its Impact. Poor health can sometimes lead to disability, affecting your ability to manage your own affairs. Including a disability clause in your estate plan ensures that your assets are managed according to your wishes, even if youre not able to oversee them personally. A revocable living trust can be particularly useful here, as it allows your chosen person or entity to manage your affairs without the need for court intervention. Again, without a plan in place, a judge will make decisions for you, and those decisions may not be what you want.Having gone through the potential consequences of not prioritizing your physical health and its direct link to your estate planning, lets turn to practical steps you can take now to make sure you and your family dont have to experience any negative consequences. Practical Steps to Integrate Health and Estate PlanningUnless youre already incapacitated and cant make decisions for yourself, know that its not too late to take action. Its not too early, either. Death and incapacity dont discriminate based on age. When you face that fact, and then plan accordingly, you can live life with more ease, more joy, and less stress. Truly.So, if you havent planned for the future, here are some practical steps you can take now:Schedule Regular Check-Ups. It may seem obvious, but regular medical examinations are vital. They not only help in detecting illnesses early but also provide a clear picture of your health, which, as weve discussed above, is crucial for accurate estate planning. If you discover a new health condition, you can plan accordingly when youve caught it in time. If not, it could be too late to get your plan in place.Update Your Estate Plan Regularly: As your health changes, so should your estate plan. Make it a habit to review and update your plan on a regular basis or whenever there is a significant change in your health. As an Estate Planning Attorney, I can not only help you get your initial plan in place, but with a unique process I use called Life & Legacy Planning, I will always include a free review of your plan at least every three years. This ensures your plan works because it will be updated as your health, life and assets change over time. Without updates, your plan will fail, sending your family to court and increasing the probability of conflict. Discuss Your Plans Openly: Talk with your family about your healthcare wishes and how they relate to your estate plan. Taking this courageous, and maybe uncomfortable, step, makes a big difference when it comes to decreasing the likelihood of conflict in your family. Make sure to discuss your preferences for end-of-life care, which can create conflict in your family if you havent clarified your wishes. Consult A Professional Who Has Your Best Interests in Mind: I approach estate planning from a place of heart, always keeping your best interests, and by extension, your loved ones best interests, in mind. I not only help you to get your plan in place, but also help you keep your family out of court and conflict, so your legacy is one of love and care. I can also help you navigate difficult discussions with your family about your wishes, so you can feel confident knowing youve done all you can to preserve the family bonds. How We Support You and Your Loved OnesAs an Estate Planning Law Firm, we recognize the integral connection between your physical health and your estate planning needs. Our commitment goes beyond mere legal documentation; we aim to ensure your life's work and values are preserved with dignity and clarity. By understanding the specific challenges and opportunities that arise from your health, we tailor estate plans that not only protect your assets but also your well-being and your family's future. Contact Entrusted Legacy Law at 412-347-1731 or click here to schedule a complimentary 15-Minute call.

What is Medicare?Medicare is a federal health insurance program that gives you access to specific coverage and benefits. Medicare is different from health insurance you may have had before. It offers you a variety of coverage options and it has key enrollment dates and guidelines you need to follow. Were here to help you make sense of it all. How is Medicare Different From Other Health Insurance?You may be surprised at the differences between Medicare and other types of health insurance. If youve had health coverage through your employer, your plan likely included medical and prescription drug coverage, along with other benefits. It also may have covered both you and your spouse.Medicare only covers one person at a time. This means you and your spouse must enroll separately. In addition, Medicare gives you options that can make it possible to receive your benefits in a variety of different ways.You can:       Choose hospital and medical coverage delivered through the federal government.       Add prescription drug coverage delivered through a private company.       Purchase a supplemental insurance policy from a private insurer that can help cover some of the costs.       Choose coverage from a private insurer that combines hospital, medical and often prescription drug coverage into one plan.In short, with Medicare you can choose coverage that fits your needs, budget and lifestyle. We can help you take full advantage of that freedom. Who is Eligible for Medicare?      - Age 65+      - Under age 65 with certain disabilities      - Have End-Stage Renal Disease (ESRD) When and How Do I Apply?If youre like most people, youll enroll in Medicare around the time you turn 65. Your Initial Enrollment Period begins three months before your 65th birthday, includes the month you turn 65 and ends three months after that birthday.Keep in mind that if you dont get Medicare during this Initial Enrollment Period, you may have to pay Medicare Part B or Part D late enrollment penalties. Plus, you could be missing out on coverage and benefits that can help protect your health and finances. Thats why its generally a good idea to enroll as soon you can. How you enroll generally depends on if youre getting benefits from Social Security, the Railroad Retirement Board or the Office of Personnel Management.Contact me today at 724-554-7989 for a FREE consultation.