Is It My MEMORY… Or Is It My HEARING?

To be very bold, the answer is yes, you will.Long Term Care Medicaid operates on 2 simple rules regarding finances.1)            You must be under $2,829 of GROSS COUNTABLE Income (in 2024).2)            You must be under $2,000 of GROSS COUNTABLE Assets (in 2024) as a single person or $154,140 for a couple.The key word is COUNTABLE. Countable INCOME There is only one way to reduce COUNTABLE income and that is to establish what is called a Qualified Income Trust which artificially reduces COUNTABLE income by the amount of income you deposit in the trust. For example, if gross countable income is $3,192 and you deposit $500 of income into the QIT account then Medicaid only counts $2,692 ($3192 - $500 = $2,692) which is $200 below the limit of $2,892. Therefore, qualification is allowed despite what was previously considered excessive income. Countable ASSETS There are many ways to convert countable assets into NON-COUNTABLE assets, and/or expend them using qualified expenditures, and/or transfer them using qualified transfers. In fact, there are more than 30 ways of rearranging excess countable assets and an almost endless combination of ways. The possibilities are so numerous it is simply not feasible to provide the information here. Suffice it to say that even multi-millionaires can qualify for Long Term Care Medicaid. What is the HCBS Waiver Program (Home Health Care or Assisted Living)? The HCBS Waiver Program, short for Home and Community Based Services Waiver Program, is designed for individuals needing financial assistance for home health care, adult day care, or an assisted living facility.When applying for Medicaid assistance for traditional skilled nursing, the patient needs only to file the application, whereas a patient seeking financial assistance for in-home care, or an assisted living must undergo a more complicated process. Process for In-Home Health Care and Assisted Living An individual seeking Medicaid assistance for in-home care or an assisted living facility must schedule a screening call with the geographically appropriate Aging and Disability Resource Center for placement on the waitlist. The waitlist utilizes a needs-based ranking, with scores from 1-5. A ranking of 1 indicates a "low" need, while a 5 indicates a "high" need. The higher the need, the more likely an individual is to be placed on the waitlist AND ALSO called off the waitlist quickly. Once the patient is called off the waitlist, he or she may then apply for Medicaid. Upon approval for Medicaid, he or she must then enroll in a managed care program and long-term care program. Medicaid benefits will only begin the first day of the month following the month in which Medicaid eligibility is approved, and the patient is enrolled in both a managed care program, as well as a long-term care program. How to Bypass the Waitlist for HCBS Waiver Services It is possible to bypass the waitlist if, a patient:1) Is in a skilled nursing facility.2) Has already been approved for long-term care Medicaid.3) Is enrolled in a managed care program and wishes to discharge home or to an assisted living facility.4) The Medicaid long-term care recipient is evaluated by the managed care company to determine their ability to transition home or to an assisted living facility. If determined that the applicant is eligible to transition, he or she may do so without undergoing the waitlist process.Medicaid eligibility will follow the recipient to any new long-term care arrangements where care is needed. Form 2515 must be filed by the managed care company.How Platinum Benefit Services Can Help It should be clear that this process is complex. While an applicant can attempt this process alone or can have the appropriate Aging and Disability Resource Center attempt to navigate it on behalf of the family, Platinum's HCBS Success Escalation Service provides a meaningful difference with a substantial increase in the likelihood of success. An applicant/legal representative in crisis can easily become overwhelmed when attempting to navigate the intricacies of the waitlist process. Further, Florida's Aging and Disability Resource Centers are notorious for mismanaging the process. Using Platinum Benefit Services is a game changer. When working with Platinum and enrolling in our HCBS Success Escalation Program, Platinum will provide you with the information, training, and services necessary to maximize the chances you or your loved one is placed on the waitlist with a high ranking AND ALSO selected off the list quickly. The fee for the program is just $500 and is worth every penny! If you choose to hire platinum to process the medicaid application in advance of contacting the ADRC the $500 fee is waived. Free Instructions For Getting On The HCBS Waitlist By accessing the site below, Platinum will provide FREE OF CHARGE to you, a video that explains the HCBS Waiver program and how you can get on the waitlist without assistance and FREE. https://waitlist.platbenservices.com/waitlistAt the end of the video, if you choose to get help, the video will explain how you can enroll in Platinum's HCBS Success Escalation Program, as well as, a video that explains how to "ace the test" when answering interview/screening questions. This second video will teach you how to answer the questions honestly, in a way that maximizes the likelihood of being placed on the waitlist, with a high ranking. Platinum even provides a list of the questions that will be asked!Platinum's HCBS Success Escalation ProgramOur automated system will enroll you with the proper ADRC, which starts the benefit approval process. Platinum will confirm with the appropriate ADRC that the patient's name has been submitted and that a screening call has been scheduled. Platinum will then check in once a week with the ADRC to track the status of the patient's selection from the waitlist. Further, we will also follow up to confirm that you are aware the call is scheduled, and we will confirm the date and time. Once the potential applicant is called off the waitlist, a form 1823 will be provided to you that needs to be completed by your doctor and provided to the ADRC along with supporting documentation. The 1823 must be properly completed and signed by your doctor or a nurse practitioner. Platinum will track this form as it is passed 4 times, to 3 government agencies, and confirm proper distribution and receipt. You will then have the option to hire Platinum to complete the Medicaid application process on your behalf While you can file on your own, or have the ADRC file for you, there are potential problems beyond belief Dealing with The Department of Children and Families (Medicaid) has become the epitome of a bureaucratic nightmare. Platinum Success for Families Over more than 26 years Platinum has obtained 14,000+ Medicaid approvals in the State of Florida alone. We'll help you obtain approval as well. If you decide to go it on your own, no hard feelings, we truly wish you the very best! Qualifying financially, regardless of assets or income is the easy part! What's hard is being selected off the waitlist and then navigating DCF during the application process. Let's get you enrolled in the "HCBS Success Escalation Program" by contacting Platinum at 1-800-582-1934, pressing O and say, "I would like to sign up for the Success Escalation Program". We look forward to working with you!Call us at 1-800-582-1934 or go to https://waitlist.platbenservices.com/waitlistASK FOR :Hilary Hayes, CSA Certified Senior Advisor Serving Collier, Lee, Charlotte Glades, Hendry & MonroeNothing in this document or other information, in whatever format provided by Platinum Benefit Services, Inc, is legal advice. If legal advice is needed, please contact a competent and properly licensed attorney. If you would like a referral to an attorney, please contact our office at 1-800-582-1934 

Navigating Sexual Health in the Over-85 PopulationThe term sexual health is rarely considered in discussions focusing on older adults over the age of 85. However, engagement in sexual relations or being emotionally intimate may continue to be of great value to older age groups.The term sexual health is rarely considered in discussions focusing on older adults over the age of 85. However, engagement in sexual relations or being emotionally intimate may continue to be of great value to older age groups. In the present context, as peoples lifespan increases and cultural norms change, it becomes essential to think about the sexual health concerns of this age group.Understanding Sexuality Beyond 85With regards to sexuality of older adults, it is not only about having sexual actsit also involves emotional relationships, physically being close to someone, and caring about them. For many people over 85 years it may be important to help and sustain such intimate relationships as it contributes to positively beautiful enhancement of life satisfaction and mood. Sadly, negative social norms and beliefs regarding ageing often create a false impression that the older generation is devoid of any sexuality or does not wish for any such engages, which is not the case.A considerable number of these adults still have sexual fantasies, indulge in sexually related actions, or even seek people in intimacy although they face problems of old age that hinder sexual health. These problems include, amongst others, medical illnesses, cognitive ageing, the adverse effects of treatment, and lack of other peoples participation.Common Sexual Health Concerns in the Over-85 PopulationPhysical Changes and Sexual Function: Changes related to the normal aging process can affect sexual function. The most common sexual problem in older men is erectile dysfunction. For women, there may be insufficient lubrication, pain during intercourse, or decreased interest in sex due to lower levels of estrogen. Nonetheless none of these changes entail per se the cessation of orgasmic activity. All medications, lubricants and other interventions can address these problems.Chronic Illness and Sexual Health: It is not unusual for some of the people over 85 to have chronic conditions such as diabetes or heart disease, or arthritis among others that have bearing on the sexual act. More so, the treatment of these conditions may require certain medications whose side effects may interfere with sexual drive or performance. Still, many elderly people adjust and manage to be intimate with others, be it through non-sexual skin contact, talking to someone or other ways of sexual expressions.Cognitive Decline: Cognitive impairment, such as dementia or Alzheimers disease, can lead to difficulties in relationships, especially the physical aspects of such relationships. Furthermore, although this is uncommon, patients who experience cognitive decline may act out sexually inappropriately or exhibit states of confusion or other changes regarding their sexual interests. In all situations where sexual health needs are to be addressed, it is rather critical that family and caregivers understand these matters compassionately and ensure that dignity is preserved.Psychological Factors: Factors such as social isolation, the death of a partner, geriatric depression, and anxiety are problems that can be noted in these older people and also have an adverse effect on sexual health. These emotional issues might trigger a drop in intimacy levels. It helps to combine support from practitioners with social activities.Sexually Transmitted Infections (STIs): Older adults are likely to believe that they are not at risk of infections. Despite this myth, older population is also prone to STIs. Also, there has been a rise of STDs among older people due to lack of information and methods to prevent. With a doctors recommendation, these lessons should not be contraindicated to people aged 85 years and above.Promoting Sexual Health and Well-beingThose over 85 require an integrated response which addresses sexual health and includes health practitioners, family, care providers and patients.Open Communication: Discussing sexual health issues is mostly forgotten when one advances in age. Society needs to blatantly create the need for these conversations. Healthcare workers are to include sexual health without being directed on how to include it in the routine visits as sexual health is central to ones wellbeing irrespective of their age.Education and Awareness: Enlightening seniors on how to practice safe sex, how the body functions sexually, and how medications work can ensure their participation in relevant activities. Stereotypes that associate old age with certain characteristics can also be suppressed by campaigns that seek to raise awareness of the harm of old age.Tailored Healthcare: Patients treatment plans must integrate sexual wellness into the wider picture of healthcare. This might mean providing patients with means of addressing erectile disorders or prescribing post-menopausal hormone therapies or other forms of mental wellbeing support.Emotional and Social Support: Older individuals are encouraged not to isolate themselves and look for activities that boost self-esteem, and even relationships, which can promote a healthy sexual atmosphere.ConclusionSexual health cannot be ruled out even in elderly persons above 85 years of age. By taking care of the various spheres of a person on a particular age, we are able to achieve a better health and quality of life among a specific group of people. Societal misunderstandings should be disregarded and the notion that older persons are not entitled to any sexual care should be disbanded. This view enables better facilities and improvements in the quality of life for elderly people.

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