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Recently, my younger sister received mail for my older sister for whom she is the guardian. The mail contained a check based on dividend’s my disabled sister had been receiving over the past ten years. Her former employer had been unable to locate her. During this discovery, I researched websites for unclaimed funds in several states. There were numerous accounts held in her name. While none of those amounts might cover the costs of her care, every penny still counts.
Something similar occurred following the death of my first husband, as well as my father. There were electric company accounts with deposits. An old dental bill that had been overpaid. Given the transient nature of our society - young adults transplant themselves frequently, aging parents move to remain close to their children, middle aged adults move to retire - it’s not surprising. As caregivers, we can continue to support our loved ones through following up on opportunities to grow the funding for our loved ones’ care.
Money Tips for Caregivers
Below is a list of money tips for caregivers, culled from tips offered by Fulton Bank, with branches in the Northeastern U.S. and other personal experiences:
Inventory everything. Before computers came into existence, my father kept a yellow legal pad with an ongoing inventory of bank accounts, the names of legal and financial representation, and insurance contracts. He made it easy for me to locate the necessary information when the time came. I’ve done the same thing, with names, addresses, and now email contacts for individuals who represent my interests. I only wished he would have specified what to do with his beloved Murano glass collection. Lucky for me, I came into the possession of a few more than my share.
Review credit card statements, create bill payment plans. A consistent review of credit card statements and other incoming mail will provide an apt picture of your loved one’s financial situation. When the son of another set of aging adults we help care for discovered his parents were overdue on their credit card payments, a long conversation ensued. Their children formulated a payment plan to wipe out that debt and ease some of their financial burden which had been causing undue strain on their health. Sometimes, we wind up in a situation which might cause embarrassment without realizing its impact on our well-being.
Count on your community. There are a wide variety of options in local communities designed to support the aging of a loved one. These supports might come in the way of counseling, a free day of respite caregiving, training, and other free programming that gives caregivers confidence in their duties.
Consider how managing someone else’s money might impact your finances. Named as the POA for both my parents, I understood their financial picture. Their long-term care policy had lapsed. Retirement savings had dwindled. My father was prescient in his purchase of insurance policies, yet if both parents remained in their current state, financial instability would set in. In a position to help offset their costs, I promised my father they would receive the best care I could offer if their savings ran out. He died without knowing if that was possible. His insurance policy allowed for my mother to reside in a care home until her death. There are always hidden costs to caring. We want to provide for our parents in the same way they provided for us. Financial counselors and social workers can provide caregivers with professional guidance on how to balance managing one’s own money while managing someone else’s care. The creation of two budgets will provide a solid picture of both, and help caregivers envision their lives as separate.
Our loved ones have life experiences which contribute positively or negatively to their bottom line. My parents helped to care for grandchildren and took out loans on their insurance policies to cover college costs of their children. At one point, my father feared he was upside on an insurance policy. He kept that fact hidden for a long time, worried over how he might pay it back. I might argue that stress was a precursor to his Parkinson’s. In the end, he finally did confess. We contacted a lawyer who worked through the issue. When the policy was sold to another insurance carrier, there had been a processing error. He was so relieved. We were too.
Annette Januzzi Wick is a writer, speaker, and author of I’ll Have Some of Yours, a journey of cookies and caregiving. (Three Arch Press). A frequent contributor to Cincinnati.com, her work has appeared in Cincinnati Magazine, nextavenue.com, Still Point Arts, 3rd Act Magazine, Ovunque Siamo, Belt Magazine and Creative Nonfiction (both forthcoming). Visit annettejwick.com to learn more.
April is National Parkinsons Awareness Montha time to elevate understanding around a condition that affects nearly one million Americans and countless families. Parkinsons disease is a progressive neurological disorder that impacts movement, coordination, and mood, often creating daily challenges for both those diagnosed and their care partners. At Premier Care Management of Florida, we meet those challenges head-on with a specialized service model known as the Parkinsons Disease Coach Approach.Introducing the Parkinsons Disease Coach Approach Our Parkinsons Disease Coach Approach is a personalized, client-centered model designed to empower individuals and families living with Parkinsons. Delivered by Certified Premier Care Managers, this program provides expert coaching, care coordination, and proactive planning to reduce crisis events and improve quality of lifeespecially during times of transition, like hospitalization, rehab stays, or returning home.A Holistic and Compassionate Support System What sets our approach apart is its focus on the whole person. We begin with a comprehensive Parkinsons assessment that includes motor and non-motor symptom evaluation, medication review, cognitive screening, and functional analysis. We then conduct a full home safety assessment, identifying fall risks, recommending adaptive equipment, and improving medication routines. Everything is tailored to each clients unique needs, values, and goals.Advocacy When It Matters Most Parkinsons medications must be taken on a precise schedule to remain effective, especially during hospitalization. Our care managers advocate directly with hospital staff to ensure proper medication timing and prevent the use of contraindicated drugs. We also coordinate smooth discharge plans, ensuring continuity of care whether clients are transitioning to rehab, returning home, or considering long-term care options.Emotional Support and Family Coaching Living with Parkinsons can bring changes in mood, behavior, and family dynamics. Thats why our program also includes emotional support for both clients and caregivers, coaching calls to guide decision-making, and education around topics like freezing episodes, fall prevention, and disease progression. Families gain clarity, confidence, and peace of mind knowing theyre not facing this alone.Connected, Collaborative, and Client-Driven We work closely with neurologists, primary care providers, therapists, and other specialists to make sure everyone involved in your care is on the same page. From managing appointments and insurance details to connecting families with trusted local resources, our team ensures that nothing slips through the cracks.Who Benefits from This Program? Our Parkinsons Disease Coach Approach is ideal for individuals newly diagnosed with Parkinsons, those transitioning between care settings, families overwhelmed by coordination responsibilities, or clients facing cognitive or behavioral changes in later stages of the disease. Its also a lifeline for individuals who dont have a local advocate during hospital stays or complex medical decisions. At Premier Care Management of Florida, we are honored to walk alongside Sarasotas seniors and families impacted by Parkinsons. With expert advocacy, education, and support, our Coach Approach helps clients preserve their independence and live with confidence at every stage.To learn more or schedule a free consultation, contact us today. Were here to be your partner in this journey. Serving Sarasota, Bradenton, Venice, and surrounding communities 941-400-2387 www.PremierCMFL.com
By Faith Protsman, MD, Regional Medical Director, VITAS HealthcareTwo recent studies highlight how sepsis impact often extends well beyond the acute event that led to a patients hospitalization. The studies emphasize two particular points that should inform physicians and clinicians as they consider referring these patients to specialized care: Medicare patient data gathered between 2012-2017 shows that sepsis patients face considerably poorer health outcomes following hospital discharge when compared to non-sepsis patients, including elevated risk for death and increased use of advanced healthcare services. Sepsis survivors exhibit strong indicators of persistent inflammation and immunosuppression for up to a year after hospital discharge, increasing their risk of readmission or death. Both studies indicate a significantly elevated risk of death among sepsis patients after they have been discharged and ostensibly cured. Of course, sepsis patientsparticularly those of the Medicare cohort, who are largely of advanced agerarely leave the hospital in better condition than they entered.The Yende study, in particular, shows that neuroendocrine and inflammatory responses to sepsis can continue long after the patient survives a septic episode. For patients with advanced or chronic diseasesas was the case with nearly 78% of participants in the studythese biomarkers are associated with decline.Post-sepsis Discharge: A Critical JunctureIn many cases, these individuals life expectancies upon discharge will be less than six months. This is a critical juncture: While comfort-focused hospice care could provide an ideal source of support for the eligible patient, their family, and their caregiver(s), most sepsis patients are simply sent home without even a discussion about palliative end-of-life care and its benefits.Frankly, such an oversight is a disservice to everyone involved. The sepsis patient is left with physical and/or cognitive dysfunction, often without significant options for symptom management. Their partner or family will either need to assume caregiving duties or turn to costly private services. And the physician and hospital staff will likely see the patient again following another acute event, a readmission that impacts performance scores, strains resources, and unnecessarily fills beds.By no means do I intend to lay the blame for these unfortunate circumstances on physicians. Timely hospice referrals require ongoing education about end-of-life care, and open, ongoing communication between hospice providers and referral sources.More Help: How to Talk About Hospice Care >Those of us in hospice are working hard to bridge the gap, but even as our healthcare system transitions to a value-based model, the mentality of fee-for-service still permeates our nations acute-care facilities, and many hospitalists see a discharge home as a success.Hospice: A New Way Of Judging SuccessIn hospice, we judge our successes on the patients quality of life and the fulfillment of their goals and wishes near lifes end. Usually, that means going home with 24/7 support from an interdisciplinary hospice team. Whether home is a traditional residence, an assisted living facility, or nursing home, the hospice team will assist caregivers (and/or facility staff) with direct clinical care and education, integrative services, bereavement support, and delivery of medication, equipment, and supplies.In other cases, improving quality of life means remaining in a general inpatient setting with hospice support, taking the burden off hospital staff until the patient is able to transition home or until the patient dies. Hospice offers complex modalities in any setting, so patients who would otherwise be confined to an ICU can usually return home to be among loved ones.With support from hospice, a sepsis patient and their family are more likely to report higher satisfaction of care and greater quality of life. The patients emotional and spiritual needs can be met alongside their physical needs, thanks to care from chaplains, social workers, music and massage therapists, and other integrative specialists. Finally, the patient is more likely to die at home, surrounded by loved ones, rather than in the hospital.Because sepsis is most common in patients with advanced or chronic diseases that indicate hospice eligibility, acute incidences of sepsis should always trigger a hospice eligibility assessment. We owe it to our patients, their loved ones, and our colleagues in healthcare, all of whom can benefit from the support that timely end-of-life care offers.
As life evolves, so do our needs at home. For seniors, navigating daily life in a cluttered or disorganized space can be overwhelming and even unsafe. Creating a home environment that is both functional and nurturing is an act of love and respect. At A Call to Order Professional Organizers, we specialize in transforming homes into spaces that prioritize comfort, safety, and joy. With thoughtful adjustments and a touch of care, senior home organization becomes a gateway to easier living and peace of mind.The Impact of Thoughtful Home Organization on SeniorsA well-organized home offers far more than convenience. It promotes safety, independence, and emotional well-being, ensuring seniors feel confident and comfortable in their surroundings.Why Senior Home Organization Matters:Enhances SafetyReducing clutter and organizing essentials minimizes risks like trips and falls, which are common in senior households.Boosts IndependenceAn organized home allows seniors to find and access what they need without assistance, fostering a sense of autonomy.Reduces StressA tidy, harmonious space alleviates feelings of overwhelm and creates a calming atmosphere.Preserves MemoriesThoughtfully arranging sentimental items honors cherished memories while maintaining an orderly space.Practical Considerations:Conduct a home walkthrough to identify problem areas that need decluttering or reorganizing.Include seniors in the decision-making process to ensure the space aligns with their preferences and habits.Focus on high-traffic areas like kitchens, bathrooms, and living rooms where safety and accessibility are paramount.Tips for Senior Home Organization with Love and CareCreating a senior-friendly home doesnt require drastic changes. With a compassionate approach and practical strategies, even small adjustments can make a big difference.Tips for Organizing with Love:Declutter with CompassionWork alongside the senior to sort through belongings. Encourage them to share stories about sentimental items, and help them decide what to keep, donate, or discard.Prioritize AccessibilityArrange frequently used items at waist level to avoid bending or reaching. Use open shelving or labeled containers for easy access.Incorporate Safety FeaturesAdd non-slip mats in bathrooms, secure loose rugs, and ensure lighting is bright and consistent throughout the home.Create Functional ZonesDesignate specific areas for activities like reading, crafting, or relaxing. Keep supplies for each activity neatly organized within reach.Use Simple SystemsImplement straightforward organizational tools such as color-coded bins or daily planners to keep track of medications, appointments, and important documents.A Loving Touch:Personalize the space with photos, favorite colors, and cozy elements like soft throws or pillows.Display sentimental items in a way thats both organized and meaningful, such as a memory shelf or photo collage.Organizing a seniors home is about more than tidinessits about creating a space that supports their well-being and celebrates their life. At A Call to Order Professional Organizers, we approach every project with empathy and a commitment to making daily living easier for seniors and their families. By combining practical solutions with a heartfelt touch, we turn homes into havens where seniors can thrive. Lets make 2025 a year of love, care, and beautifully organized spaces for the ones who matter most.
Arden Courts - ProMedica Memory Care Community (Sarasota)Address:5509 Swift RdSarasota, FL 34231Contact Us:Phone: 941-925-3900Fax: 941-925-7500Overview:Arden Courts Memory Care Community, located on Swift Rd in Sarasota, caters to the special needs of individuals with memory loss. Staffed by specially trained caregivers, Arden Courts cares for individuals diagnosed with Alzheimer's disease and related dementias. Our community features friendly common spaces, an inviting kitchen, family rooms, and walking paths within enclosed courtyards, all designed for the safety and comfort of our residents.Customized Care & Services:We recognize residents have their own individual routines, interests, capabilities, and needs. We set out to accommodate their individuality beginning with an assessment by one of our professional staff members. Working with you, we develop an individualized service plan which is regularly adjusted to meet any changes in your loved ones routine or condition.Design & Layout:After five years of research with the assistance of Johns Hopkins, Arden Courts was specially designed not only to be safe and secure but to instill a sense of home that simultaneously enables residents to stay as independent as possible while also experiencing the stimulation necessary for one to thrive while residing within the community.ProMedica Memory Care Fund:The ProMedica Memory Care Fund assists those who are coping with memory loss and supports center services and caregiver education for the enrichment of all.Our Family of Care Services:Memory CareAssisted LivingIndependent LivingProMedica Senior CareProMedica Hospitals & Providers