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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.
As the holiday season approaches, many families are excited about the festivities, gatherings, and the warmth that comes from celebrating with loved ones. However, for seniors, the holidays can sometimes evoke a different sentiment, especially when their homes are cluttered and overwhelming. At A Call to Order, we believe that decluttering not only creates a more organized space but also cultivates joy and comfort during this special time. In this blog, well discuss how decluttering can transform senior homes into serene sanctuaries, offering a few tips on how to embark on this rewarding journey.The Emotional Weight of ClutterIts no secret that clutter can induce feelings of stress and anxiety. For seniors, this burden can become significantly heavier. Aging can bring about physical limitations, mood fluctuations, and even feelings of loss or nostalgia. The accumulation of belongings, once cherished, can start to serve as a reminder of whats gone. The transition from cluttered environments to clean spaces not only visually uplifts homes but can also enhance emotional well-being. Decluttering before the holidays not only prepares a space for festivities but also creates an inviting environment for family gatherings. Imagine a peaceful home where your loved one can enjoy the laughter and joy of shared moments without the distraction of clutter. Thats the magic of creating a comfortable space. Tip 1: Embrace Memories, Let Go of ExcessWhen embarking on the decluttering journey, its essential to approach it with sensitivity and empathy. Start by setting aside time to sort through belongings, emphasizing the emotional significance of each piece. A great way to engage your loved one in this process is to invite them to share stories about the items theyve kept. This can be a wonderful bonding experience and can also help them to understand which items truly hold value for them. Actionable Steps:Create Categories: Designate separate areas for items to keep, donate, and discard.Use the One-Year Rule: If your loved one hasnt used or enjoyed an item in the past year, it may be time to let it go.Utilize Memory Boxes: Encourage them to keep a small box for particularly cherished items this helps preserve memories while still reducing clutter.Simplify Spaces for a Stress-Free HolidayOnce the tough decisions about what to keep have been made, its time to create a simplified living space thats easy to navigate and joyful to inhabit. A clean, organized home can significantly lighten the holiday load, allowing everyone to focus on what truly matters: creating memories with family. Tip 2: Optimize Storage and Layout for ComfortAfter decluttering, its essential to think about the layout of furniture and storage solutions. A well-organized, open space enhances movement and reduces hazards. Consider these steps to optimize their environment in a way that ensures safety and ease of access.Actionable Steps:Furniture Arrangement: Arrange furniture to facilitate conversation and movement. Create cozy corners for relaxation, ensuring pathways are clear.Accessible Storage Solutions: Use bins, baskets, or labels to store items neatly. Place frequently used items within easy reach to foster independence and comfort.Holiday Spirit Decor: Once the clutter is cleared, add some holiday touches. Whether its a simple wreath or a collection of family photos, personal touches can bring warmth and joy.The Emotional PayoffAs you embark on this journey of decluttering with your senior loved ones, remember that the emotional payoff can be profound. Clearing their homes of clutter can lead to renewed energy and enthusiasm for the holiday season, allowing them to focus on what truly matters family, love, and connection. A serene environment sets the stage for memorable family gatherings, enhancing the holidays in a deeply meaningful way.At A Call to Order, we are passionate about helping seniors create spaces that reflect joy and ease. Decluttering may initially seem like a daunting task, but with the right approacha sprinkle of love and patienceit can transform into a fulfilling experience. As we gear up for this joyful season, lets ensure that our senior loved ones feel comforted and treasured in their homes. With every item sorted, we pave the way for a warm and peaceful holiday season filled with laughter, love, and cherished moments. Lets celebrate the magic of the holidays by creating a home that invites joy! If you need assistance in your decluttering journey or would like a helping hand, dont hesitate to reach out. Together, we can embrace the spirit of the season while creating space for comfort and connection. Happy holidays from all of us at A Call to Order!
In a world filled with constant change and digital distractions, it can be easy to overlook one of lifes most meaningful aspects: our memories. Memories shape who we are, connecting us to significant people, places, and experiences that have enriched our lives. At A Call to Order Professional Organizer, we understand the importance of preserving these moments as timeless treasures. In this blog, we will explore the significance of keeping memories close to your heart and share practical tips to help you organize and cherish them effectively.The Value of Memories in Our LivesMemories are like a thread woven through the fabric of our lives, providing context and meaning to our existence. Heres why preserving memories is essential:Emotional ConnectionRoots of Identity: Our memories are a core part of our identity. They remind us of our experiences, journeys, and growth. By reflecting on our past, we understand ourselves better and connect with our roots.Nurturing Relationships: Memories often serve as the foundation of our relationships. Shared experiences create bonds that can foster connection and understanding between loved ones. Remembering milestones, laughter, and even challenges not only honors those moments but also strengthens our ties with others.Legacy and ReflectionCreating a Legacy: Preserving memories allows you to create a legacy for future generations. By documenting your experiences, stories, and values, you can pass down essentials that highlight what matters most to your family.Opportunity for Reflection: Taking time to reflect on your memories offers a sense of peace and nostalgia. It allows you to appreciate the journey youve taken and can serve as a reminder of the resilience and joy you possess.Tips for Preserving Timeless TreasuresWhile memories can sometimes feel ephemeral, there are numerous ways to keep them alive and accessible. Here are actionable tips to help you organize and honor your cherished moments:Step 1: Organize Physical KeepsakesCreate a Memory Box: Invest in a beautiful box or container where you can store physical keepsakes such as letters, postcards, photographs, and small mementos. Label each item with a date and a brief description to capture the essence of its significance.Sort and Curate: Regularly go through your collection to remove duplicates and items that no longer resonate with you. This curation helps maintain focus on the most meaningful treasures and keeps your collection manageable.Step 2: Digital DocumentationScan Important Documents and Photos: In today's digital age, its essential to preserve memories electronically. Use a scanner or a mobile scanning app to digitize important documents, photos, and keepsakes. This ensures that you have backups of your cherished items, even if the originals wear out or get lost.Create Digital Albums: Organize your digital photos into albums on your computer or cloud storage. You can create thematic collections (such as vacations, family gatherings, or milestones) to make them easily accessible. Regularly updating them can also spark joy as you take trips down memory lane.Step 3: Storytelling and JournalingStart a Memory Journal: Dedicate a journal to documenting your favorite memories, experiences, and reflections. You can write about significant events, feelings associated with certain moments, or stories passed down through generations. This practice provides an excellent outlet for self-expression and introspection.Share Family Stories: Consider scheduling regular family gathering times where you can share and document stories. Utilize voice recording apps to capture these moments with family and friends. These shared narratives create a deeper connection to your past and preserve family history for future generations.Step 4: Display Your MemoriesCreate a Memory Wall: Dedicate a wall or a section of your home to display photos, art, and keepsakes that tell your story. This not only showcases your memories but also invites conversations with guests who can appreciate your journey.Use Shadow Boxes: For three-dimensional treasures like souvenirs, awards, or delicate items from special events, consider using shadow boxes. This allows you to create beautiful and meaningful displays while protecting items from wear and tear.Step 5: Regularly Reflect and CelebrateCelebrate Milestones: Make it a tradition to celebrate anniversaries, birthdays, and other milestones where you can revisit cherished memories together. Create new traditions that involve sharing stories or looking through old photo albums, further enriching your memories.Schedule Regular Memory Check-ins: Take the time to reflect on your memories regularly. Whether its through quiet personal moments or gatherings with loved ones, revisiting memories can evoke warm feelings and gratitude, reinforcing their significance.Conclusion: Keep Your Memories Close to HeartAt A Call to Order Professional Organizer, we believe that memories are invaluable treasures that deserve to be cherished and preserved. By taking intentional steps to organize and celebrate your experiences, youll create a rich tapestry of memories that can provide comfort, joy, and connection throughout your life.As you embark on this journey of preserving your timeless treasures, remember that its not just about the items themselves; its about the stories, emotions, and relationships that shaped those moments. Embrace the art of memory-keeping and allow your cherished past to enrich your present and influence your future. If you ever feel overwhelmed with how to organize your keepsakes or create a meaningful memory-keeping system, A Call to Order is here to help you every step of the waybecause your memories are worth celebrating and keeping close to heart.
Protecting Your Loved Ones Independence and Well-Being at HomeHelping a family member remain independent and living at home is a labor of love, but at times it can be overwhelming. There is so much to consider beyond just their overall health and well-being. Depending on the situation, a loved one may need immediate or future help coordinating medical care or managing finances. Having the proper Power of Attorney credentials established can help caregivers navigate the complexities of the system and avoid costly or time-consuming pitfalls during their loved ones aging journey.Here is a basic overview of two of the most common Power of Attorney documents:Financial Power of Attorney (Durable)With a Financial Power of Attorney (POA), a person known as the principal appoints an agent to carry out financial and other activities, as instructed by the principal. Often the person designated is a family member but note that it may be advisable to name a primary agent and an alternate agent. Principals may choose whether the POA becomes effective immediately or only in the event of illness/disability. Ideally, the POA document should have language indicating that it is durable (remains in effect even after the person is legally incapacitated). In Pennsylvania, the Financial POA must be notarized and witnessed. The law also stipulates that a POA must exercise the powers for the benefit of the principal, keep the assets of the principal separate from their own, and exercise reasonable caution and prudence. Financial Power of Attorney ceases after the principal passes away.Medical Power of AttorneyPennsylvania recognizes two types of advanced directives for healthcare decisions: Medical Power of Attorney and Living Wills. The Medical Power of Attorney, also known as a Healthcare POA or healthcare proxy, is broader in scope than a Living Will in that it empowers the caregiver to make all medical decisions if their loved one is unconscious, incapacitated, or mentally incompetent. The appointed person will be able to access medical records, speak to healthcare professionals, and make healthcare judgments and medical decisions based on their loved ones treatment (or non-treatment) preferences. A Medical POA is a crucial component of advance care planning, allowing your loved one to ensure that their healthcare preferences are honored. The document must have two witnesses and be notarized.Information and downloadable Power of Attorney pdf documents are available online. During the application process to Senior LIFE, a Senior LIFE outreach coordinator can also help you get started with the POA process. Contact us today.
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