In-Home Care Can Help Reduce Readmission

If you work for a midsize or large company, you may soon be able to review your employee benefits package, as we are entering the open enrollment season. So, consider your options carefully, with an eye toward making changes appropriate for your needs.             Here are some of the key areas to look at:             Retirement plan  Depending on your employer, you could change your 401(k) or similar retirement plan at any time of the year, but you might want to use the open enrollment season to review your contribution amounts. If your salary has gone up over the past year, you might want to boost your pre-tax contributions (including catch-up contributions beginning at age 50). At a minimum, try to put in at least enough to earn your employers match, if one is offered. At the same time, look over how your contributions are allocated among the various investment options in your plan. Youll want your investment mix to reflect your goals, risk tolerance and time horizon.              Life insurance  If your employer offers group life insurance at no cost as an employee benefit, you may want to take it but be aware that it might not be enough to fully protect your family should anything happen to you. You may have heard that you need about seven to 10 times your annual income as a life insurance death benefit, but theres really no one right answer for everyone. Instead, you should evaluate various factors including your mortgage, your income, your spouses income (if applicable), your liabilities, the number of years until your retirement, number of children and their future educational needs to determine how much insurance you need. If your employers group policy seems insufficient, you may want to consider adding some outside overage.             Disability insurance  Your employer may offer no-cost group disability insurance, but as is the case with life insurance, it might not be sufficient to adequately protect your income in case you become temporarily or permanently disabled. In fact, many employer-sponsored disability plans only cover a short period, such as five years, so to gain longer coverage up to age 65, you may want to look for a separate personal policy. Disability policies vary widely in premium costs and benefits, so youll want to do some comparison shopping with several insurance companies.             Flexible spending account  A flexible spending account (FSA) lets you contribute up to $3,200 pre-tax dollars to pay for some out-of-pocket medical costs, such as prescriptions and insurance copayments and deductibles. You decide how much you want to put into your FSA, up to the 2025 limit. You generally must use up the funds in your FSA by the end of the calendar year, but your employer may grant you an extension of 2 months or allow you to carry over up to $640.              Health savings account  Like an FSA, a health savings account (HSA) lets you use pre-tax dollars to pay out-of-pocket medical costs. Unlike an FSA, though, your unused HSA contributions will carry over to the next year. Also, an HSA allows you take withdrawals, though they may be assessed a 10% penalty. To contribute to an HSA, you need to participate in a high-deductible health insurance plan.              Make the most of your benefits package it can be a big part of your overall financial picture.  Chad Choate III, AAMS828 3rd Avenue WestBradenton, FL 34205941-462-2445chad.chaote@edwardjones.com This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.Edward Jones, Member SIPC

Practical Tips for Safety, Independence and JoyAbout the Author: Sherri Snelling is a leading gerontologist, author, and expert in aging and caregiving. She is dedicated to educating and empowering families on promoting dignity, purpose, and well-being for older adults. Dementia and Alzheimer's disease (AD) are a growing concern for many families which is why it is important to be well-informed and well-prepared to support a loved one. Nearly 7 million Americans are currently living with Alzheimer's, the most prevalent type of dementia representing 70% of all dementia diagnoses, according to the Alzheimer's Association. In addition, these adults are being cared for by 11 million family members, and by 2050 Alzheimers is expected to nearly double, reaching approximately 13 million. A dementia diagnosis is a diagnosis for the whole family. While an Alzheimer's or related dementia diagnosis can be daunting, it is important to help an AD adult maintain a healthy and fulfilling life in the comfort of their own home. Research suggests that staying at home as long as possible is linked to a better quality of life for those with dementia and Alzheimer's.1Dementia family caregivers whether an adult child, spouse or other family member can find their caregiving role challenging but also rewarding.  Following are some tips and guidance to help make it easier to provide care at home for a parent, spouse, or grandparent with Alzheimer's, while also finding moments of connection and joy.Creating a Safe and Comforting Home EnvironmentIssues related to Alzheimer's and dementia can impact an individual's ability to keep themselves safe. To make the home a safer and more comforting place, consider the following steps: Secure hazardous areas: Lock garages, basements, and sheds, especially where hazardous materials or tools are located, since 60% of AD adults wander and may be in danger of falls or other health risks.Enhance lighting: Keep walkways and rooms well-lit as a person with Alzheimers may have impairment of their visual field and their pupils often adjust more slowly to both bright and low light so maintaining good lighting throughout the home is essential.Minimize tripping hazards: People with AD have impaired balance so remove clutter and obstacles to create a clear path for movement and reduce the risk of fallsInstall handrails: Consider adding handrails or chair rails in hallways to assist with balance, as Alzheimer's can affect motor skills.Establishing Routines for Familiarity and IndependenceMaintaining routines and schedules can help reinforce a loved ones sense of familiarity, of control and independence while also reducing anxiety. A consistent routine actually uses rote memory rather than working memory and is easier for AD adults to maintain in the early and mid stages of the disease. Routines not only benefit the individual with Alzheimer's but also makes it easier for caregivers to plan their day and manage caregiving responsibilities.Fostering Joyful Moments Through Creative ActivitiesEngaging in everyday positive moments through creative activities and social events can significantly enhance the quality of life and overall health for individuals with Alzheimer's. Activities that keep older adults engaged include:Memory-related activities: Take a trip down memory lane by looking at old photos, taking a joyride to familiar places in your loved ones past or just reminiscing about past experiences.Sensory engagement: Stimulate the senses with their favorite music or the aromas of beloved foods, which are two powerful ways to spark positive memories. Music memory is the longest memory kept within an Alzheimers brain.Art projects: Simple art projects can keep their hands and minds busy, fostering creativity and relaxation. Keep in mind the sense of touch tactile projects with different types of touch sensations are very engaging for someone with AD.Physical activity: Encourage physical activity, such as walking, to help maintain a regular sleep schedule and promote overall well-being. Studies have found walking in nature is more beneficial than walking inside for everyone including those with dementia.2The Role of Professional CaregiversProfessional caregivers can play a crucial role in creating a personalized care plan that allows your loved one to experience greater well-being through positive moments, meaningful connections, and a more purposeful life. This is especially valuable in the familiar environment of home, where comfort and security are paramount. They also can provide important respite breaks for family caregivers who find dementia caregiving can take an emotional and physical toll.Connecting with an in-home caregiver network, like Comfort Keepers, can provide the specialized care needed for seniors with dementia. Comfort Keepers offers highly trained caregivers who are equipped to help older adults stay engaged physically, mentally, and emotionally while living independently at home. References1 Leverton, M., & Pui Kin Kor, P. (2023). Supporting people with dementia to live at home. BMC geriatrics, 23(1),681. Retrieved from: https://bmcgeriatr.biomedcentral.com/articles/10.1186/s12877-023-04389-w  2 Boere, K., Lloyd, K., Binsted, G., & Krigolson, O. E. (2023). Exercising is good for the brain but exercising outside is potentially better. Nature scientific reports, 13(1), 1-8. Retrieved from: https://www.nature.com/articles/s41598-022-26093-2

One in five adults suffer from arthritis, and the majority of these are seniors. For older adults to understand the stages of living with arthritis, its helpful to talk about how the disease is identified, diagnosed and managed.Contact an Office in Your AreaArthritis is not actually a diagnosis its a general term that covers more than 100 diseases and conditions affecting the joints.One in five adults suffer from arthritis, and the majority of these are seniors. For those that live with arthritis every day, the symptoms can be a barrier to doing the hobbies they love. But with management strategies and lifestyle changes, many seniors find that they can continue the activities that bring them hope, purpose and joy.For older adults to understand the stages of living with arthritis, its helpful to talk about how the disease is identified, diagnosed and managed.Signs and symptoms:Generally, symptoms of arthritis can include any of the following: joint redness, swelling, pain, stiffness, warmth, or difficulty with movement. Many people are familiar with arthritis of the hands and feet, but they dont always realize that it can affect any joint in the body. Anyone experiencing these symptoms should visit their physician.Diagnosis:When diagnosing arthritis, medical professionals will typically conduct a physical exam, and gather medical history and genetics information to help identify the type of arthritis. Blood tests and imaging may be necessary as well. While arthritis cannot be cured, it can be managed to limit the impact it has on seniors.Strategies for arthritis management:A physician can recommend arthritis management strategies and approve all plans to change or increase physical activity.Lifestyle changes: Seniors with arthritis may need to stop performing certain activities, or limit them. Depending on the area of the body affected, some hobbies may become more difficult. However, planning ahead can be helpful for example, having a stool to sit on in the kitchen can help seniors that want to cook but have difficulty standing for long periods of time due to arthritis pain. Movement: For some types of arthritis, sitting or working in one position for too long can cause the condition to worsen. Moving, walking and stretching every 15 minutes can be helpful. For some, setting an alarm as a reminder to prompt movement can be helpful. A doctor should be consulted before seniors begin any exercise regimen.Weight  Maintaining a healthy weight can be helpful in managing arthritis. Excess weight can cause strain on joints, worsening the condition. Anyone concerned about this should consult their physician for exercise and diet recommendations. Education and awareness are critical seniors that may have arthritis, or have already been diagnosed, should engage their care team to develop management strategies. Comfort Keepers Can HelpA care plan for arthritis can minimize the impact of the disease on a seniors life, and Comfort Keepers can provide support for a management program. Our caregivers remind clients to take medication, provide transportation to scheduled appointments, and support physician-prescribed exercise regimens and diets. As part of an individualized care plan, caregivers can also help with activities like cooking, cleaning and physical care. Our goal is to see that clients have the means to find the joy and happiness in each day, regardless of age or acuity.To learn more about our in-home care services, contact your local Comfort Keepers location today. ReferencesArthritis Foundation. Understanding Arthritis. Web.Centers for Disease Control and Prevention. 5 Proven Ways to Manage Arthritis. Web. 2019.Quest Diagnostics. Helping you focus on patients with arthritis Web.Everyday Health. May is Arthritis Awareness Month Mark it with the ABCs. Web. 2018