Moving to a personal care home is a big decision based on many factors. Cold winter months are drawing near, and the Farmers Almanac is forecasting a Winter Wonderland for the northeastern United States. Keeping this in mind, and to avoid winter chores, this is a great time to consider a respite stay and experience first-hand what life is like living in a personal care home.Experience an easier moveWinter weather conditions like snow and ice can complicate the move to a personal care home. Moving before bad weather conditions arrive allows seniors to avoid potential weather-related delays, accidents or other challenges during transportation and when moving belongings.Try out the personal care homeRespite care offers seniors a chance to try out a retirement community without making a long-term commitment. Country Meadows offers all-rental retirement living accommodations, so seniors are not beholden to a lengthy lease or an ownership stake. A respite stay can help older adults see for themselves whether or not the community is a good fit for a permanent move.Avoid winter weather challengesMany older adults struggle with winter chores such as shoveling snow, chipping away ice, walking on icy sidewalks, managing heating systems and driving in inclement weather. A temporary respite stay at a personal care home eliminates these responsibilities, as well as many other daily chores, removing worries. It provides seniors the opportunity to settle into their new living arrangement without the added stress of winter weather.Access daily assistance and health servicesAlong with cold weather, the winter season can also bring several challenges for older adults to maintain wellness. A major benefit to living at a personal care home is prompt, easy access to health resources and assistance. This is especially beneficial for seniors with health concerns and mobility issues. If a resident requires assistance with medications, dressing, bathing or another daily activity, simply push a call button and a personal care associate can provide needed help. And a wellness team keeps an eye on each residents overall health.Reduce lonelinessMany seniors experience loneliness and isolation while living at home. The winter months can magnify these feelings. Respite care offers opportunities for social interaction and engagement with new neighbors and friends in the same age group, reducing feelings of loneliness and providing mental stimulation.Participate in activities, enjoy entertainment and outingsSenior living communities often offer a variety of enriching activities and events. At Country Meadows, our Vibe program considers each residents physical, cognitive, social and spiritual needs and customizes activities, entertainment, outings and purposeful service opportunities. Events are organized seasonally by categories and offer opportunities for socialization and fun. When living at a personal care home, one doesnt need to brave the elements outside, because all the fun during winter is happening indoors, fostering a sense of belonging among residents.Provide relief for family caregiversA respite stay offers a break for family members and friends providing care in a seniors private home. This break is especially appreciated during winter months when private caregiving responsibilities might become more demanding due to inclement weather, illnesses or holiday-related activities.When considering respite care at a personal care home or retirement community over the winter months, its important to do some homework. Families and seniors should research and visit potential facilities to ensure the community can meet specific needs and preferences of each individual. The decision for respite care should prioritize the well-being, comfort and specific needs of each person, aiming to provide a supportive and enriching experience.  Contact Country Meadows Retirement Communities today.

Caring for senior loved ones with dementia can be both rewarding and extremely exhausting. While we strive to do everything we can for them and want to be a part of their care as much as possible, it can start to take a toll on us. That is where home care for people with dementia can help. Having an in-home caregiver can help provide relief for family members and friends while at the same time providing personalized care and support for dementia patients within the comfort of their own homes. Professional home care workers, such as those with Visiting Angels Punta Gorda, can come into the home as much or as little as you like to help your senior loved one. They can supplement the care that family members offer, or family members can supplement the care they give. Home care workers also can help with specific tasks or all of the day-to-day tasks your senior needs.Here are some ways home care can help your senior loved one with dementia and also help family members on this care journey.Everyday NeedsProfessionals with home care agencies can help dementia patients with activities of daily living, including bathing, getting dressed and undressed each morning and night, grooming, using the toilet, eating and more. Often dementia patients resist showers. Home care workers skilled in working with memory loss patients can help them at least clean up each day. By helping with these tasks, they can help ensure their safety, health and hygiene are cared for. Home care workers can help them feel more like themselves throughout the day with brushed hair and teeth, clean clothes and a clean environment.SafetyWhile in-home caregivers are present in the home, they will help ensure your senior loved one suffering from dementia is safe. They can help ensure they dont wander from the home or leave the stove burner on after cooking something. If family members cannot always be there, home care workers can alert them to anything that might be a safety hazard, such as a loose rug, wobbly banister or door that your senior loved one keeps unlocking and trying to leave from. If your senior loved one needs more stability during their bathing, caregivers can let the family know they might need to install grab bars. They also can provide a steady hand for seniors and avoid any dangerous areas, such as cords, that could cause potential tripping hazards. Dementia patients may not remember to let their families know what they need or even be aware that it is a concern, so home care workers can provide an extra level of safety protection for them. CompanionshipHaving a homecare worker present can offer seniors with dementia constant companionship. People suffering from dementia often can become isolated or feel lonely, which can worsen their symptoms. Some symptoms of dementia include aggressiveness and/or crabbiness. Dementia patients have been known to push their family members away or to act hostile. A home care worker can provide companionship and support for senior citizens, especially when family members feel like retreating or that they need a break. They can listen to their stories, ask them questions and engage the patient in meaningful social activities to improve their emotional well-being.Relieving the familyThere is no doubt that caring for a loved one with dementia brings with it a ton of emotions and lots of stress. It also can place family members in situations they are not comfortable with. If children feel uncomfortable doing some of the caregiving for their parents, such as bathing or toileting, a home care worker can do the essentials so family members can simply spend time with them. They also can help with some of the more frustrating tasks so that family members dont lose patience and so that clients do not take out their frustration on their family members. Homecare workers also can provide respite care, which means family members can leave the home or caregiving duties for a short period of time. They can go out to coffee with a friend to refresh, have a nice dinner out without worrying about hurrying back to help their loved one, or they can even just take a peaceful nap at home with the help of respite care. Respite care can also provide short-term relief for a weekend away or an extended vacation.We Can HelpIf you are looking for help caring for your senior this spring and every season of the year, our professionals at Visiting Angels Punta Gorda are here to help. We provide a variety of home care services, including companion care, fall prevention and more. Our expert team of caregivers serves clients in Punta Gorda, North Fort Myers, Boca Grande, Cape Coral, Sanibel, Captiva, Arcadia and surrounding areas. To learn more about our services, call us at 941-347-8288, or contact us online.

If youre part of a blended family (meaning you are married with children from a prior marriage in the mix), youre no stranger to the extra considerations and planning it takes to keep your familys life running smoothly from which parent your children will be with for the holidays to figuring out the schedule for a much-needed family vacation. Youve also probably given some thought to what you want to happen to your assets and your family if something happens to you. But what you might not have realized is this: If you dont create a plan for your assets before you die, the law has its own plan for you that might not reflect your wishes for your assets, especially your retirement assets. And if youre in a blended family, this can have a significant financial impact on the ones you love and even create expensive, long-term conflict.This week, we explain how the law affects retirement distributions for married couples, and why you need to be extra careful with your retirement planning if youre in a blended family to ensure your retirement account assets go to the right people in the right amounts after youre gone.Be Aware of How ERISA Affects 401K DistributionsIf youve remarried, you and your new spouse have probably talked about updating the beneficiary designations on your retirement accounts to reflect your blended family arrangement. (If you havent talked about it, you need to talk about it ASAP). Sometimes, people who are remarried decide to leave their retirement funds to their children from a prior marriage and leave other assets like their house and savings accounts to their current spouse. You may do this to avoid future conflict between your spouse and your children over your assets.But even if you want to leave your retirement for just your children, if youre married and your retirement account is a work-sponsored account, your children wont inherit the entire account even if you name them as the sole beneficiaries. Thats because the federal Employee Retirement Income Security Act (ERISA) governs most employer-sponsored pensions and retirement accounts. Under ERISA, if youre married at the time of your death, your spouse is automatically entitled to receive 50 percent of the value of your employer-sponsored plan even if your beneficiary designations say otherwise.The only time that your surviving spouse would not inherit half of your ERISA-governed retirement account is if your spouse signs an official Spousal Waiver saying they are affirmatively waiving their right to inherit 50 percent of the account, or if the account beneficiary is a Trust of which your spouse is a primary beneficiary. IRAs Have Different Rules Than 401KsIf you want your children to inherit more than 50 percent of your work-sponsored retirement benefits, and completing a Spousal Waiver isnt an option, consider rolling the account into a personal IRA instead.In contrast to 401(k)s and similar employer-sponsored plans, IRAs are controlled by state law instead of ERISA. That means that your spouse is not automatically entitled to any part of your IRA. When you roll a 401(k) into an IRA, you gain the flexibility to name anyone you choose as the designated beneficiary, with or without your spouses consent. On the other hand, if you want to ensure your spouse receives half of your retirement savings, make sure to include them as a 50 percent beneficiary or better yet, have your individual retirement account payout to a Trust instead. With a Trust, you can:Document exactly how much of your retirement you want each of your loved ones to receiveControl when they receive the funds outrightEasily update and change the terms of your Trust without having to remember to update your financial accounts.Beneficiary Designations Always Trump Your WillWhether you have an employer-sponsored 401K or an IRA you manage yourself, there is one critical rule that everyone needs to know: beneficiary designations trump your Will.A Will is an important estate planning tool, but most people dont know that beneficiary designations override whatever your Will says about a particular asset. For example, if your Will states that you want your retirement account to be passed on to your brother, but the beneficiary designation on the account says you want it to go to your sister, your sister will inherit the account, even though your Will says otherwise.Similarly, lets imagine that you get divorced and as part of your divorce decree your ex-spouse agrees that they will not have any right to your retirement fund. However, after the divorce, you forget to take their name off of the beneficiary designation for the account. If you die before updating the beneficiary designation, your former spouse will inherit your retirement account. If you forget to update your ERISA-controlled account and have remarried, your current spouse would receive half of the account and your former spouse would receive the other half. Thats why its so important to work with an estate planning attorney who can make sure your accounts are set up with the proper beneficiary designations and ensure that your assets are passed on according to your wishes.Work With An Attorney Who Makes Sure All Your Assets Will Be Passed On How You Want Them ToUnderstanding how the law affects different types of assets is essential to creating an estate plan. But theres more to it than just having a lawyer you need an attorney who takes the time to really understand your family and your assets so they can design a custom plan that achieves your goals for your assets and your legacy. Thats why we help our clients create an inventory of all of their assets to ensure that every asset they hold is accounted for and passed on to their loved ones exactly as they want it to.Contact Entrusted Legacy Law at 412-347-1731.