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Not familiar with this term? Your required minimum distribution (RMD) is the minimum amount you must withdraw from your retirement account each year. You generally have to start taking withdrawals from your IRA, SEP IRA, SIMPLE IRA, or retirement plan account when you reach age 70½.
For some, these mandatory disbursements are a key part of retirement income – you saved for a comfortable retirement and your IRA is a part of your plan. For others, however, the required portion creates a question, as RMDs can increase taxable income when it might not be especially needed.
A few people have found a creative way to handle RMDs. They give them to the charity they love.
Clearly, these gifts won’t make sense for everyone, or even most. But if you find yourself with an unwanted RMD, donating all or part of it to Christian Living Communities could be a creative way to support the organization or a specific community that is part of the CLC family.
For more information about this option, please contact Olivia Mayer at OMayer@clcmail.org or 720-974-3675. All inquiries will be held in strict confidence.
People over the age of 65 are more likely to be readmitted than younger patients, and readmission can be more serious for seniors.Readmission after an illness or injury is a serious health issue for seniors. However, it is important for seniors and their loved ones to remember that in many cases, readmission is avoidable and can be prevented with a thoughtful post-hospital care plan.Nearly one-fifth of all Medicare patients in the United States who are discharged from the hospital end up returning within 30 days. There are many reasons seniors may need to be readmitted to the hospital, but healthcare agencies are focused on finding ways to reduce these numbers and educate patients about how to have a healthier recovery at home.For many seniors, this means having a quality caregiver that can help them overcome some of the main preventable causes for returning to the hospital. Consider the following:Medication is critical: Some seniors need assistance taking medication in the right amount on the correct schedule. When you consider that, on average, seniors with chronic conditions fill 50 different prescriptions annually, it is not difficult to imagine how someone could get confused when a new medication is added to their regimen. Caregivers can not only remind seniors to take medications as prescribed, but they can also help seniors keep a list of those medications and their dosages so the information is readily available for healthcare professionals. Managing medications is one of the best ways a caregiver can help seniors during their recovery.Follow up visits prevent readmission: A full two-thirds of patients readmitted to the hospital would have avoided that trip if they had seen their physicians within two weeks for follow up. The reasons for not following up vary but can include transportation difficulties and forgetting to make or keep appointments. Hospital staff can aid the senior by setting up appointments for the individual before discharge, but getting to the appointment can still be a challenge. In addition to a host of uplifting care services, caregivers can provide transportation to appointments and keep track of any post-care visits.Discharge plans only work when implemented properly: Having a discharge plan for the patient before he or she leaves the hospital can be crucial for recovery, but it can be difficult for seniors and their family members to focus on the plan during the stress of the illness and discharge. Caregivers can help the senior follow the instructions and will connect with family or other approved individuals when there are problems or change in condition during recovery. They can also help explain the information or ensure that the appropriate person is notified if the older individual has questions about his or her course of treatment. This takes the stress off the family and the patient so he or she can focus on recovery.Having a helping hand during recovery can ensure positive outcomes and a return to an active, engaged life. Family members, friends and neighbors are often willing to serve as a post-hospital recovery caregiver, but there is professional help available for those that dont have someone nearby to assist them. For long-term recovery, those who have the assistance of friends and family can benefit from a professional caregiver to provide respite care and support.Comfort Keepers Can HelpComfort Keepers caregivers can help with encouragement, support and assistance with daily living. And caregivers can encourage overall health through meal planning, grocery shopping, meal preparation and activities. Our custom care plans focus on physical and mental health and wellness activities. 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.ReferencesRelias. What you need to know about readmission among seniors. Web. 2016.American Hospital Association. Examining the drivers of readmissions and reducing unnecessary readmissions for better patient care 2011 AHA Policy Research. Web. 2011.Robert Wood Johnson Foundation. Ten things you should know about care transitions. Web. 2013.
Being a caregiver is a role that millions undertake out of love, dedication and necessity. Whether its an unpaid family caregiver or someone who has chosen a caregiving career, the role is critical to those who need help. Understanding some of the challenges caregivers face helps to appreciate their work. Emotional Weight - Caregivers often carry emotional burdens. They may experience feeling guilt, when they theyre not doing enough or when they take time for themselves. As a loved onesor a clientshealth fluctuates, the resulting emotional swings can cause stress and anxiety. Physical Toll - Physical demands of caregiving are often underestimated. Caregivers may do things like household tasks or keeping the care recipient comfortable. But if the care recipient has mobility issues, the caregiver may need to help them transfer from their bed to the toilet. Over time, these responsibilities can lead to physical strain and exhaustion. Financial Strain - Often caregivers provide care without pay, they will incur expenses related to the care of their loved ones - compounded if the caregiver has to reduce hours or even quit their job to provide care. Social Isolation - The time and energy demand often limit the caregivers ability to maintain social relationships, making them feel lonely and disconnected. Juggling Act - Many caregivers must balance the needs of the person theyre caring for, needs of the family while juggling employment. Recognition and Support - Caregiving is often not seen as real work, caregivers may struggle to find adequate resources, support and respite care. Right at Home of Mesa, Garfield, Eagle and Pitkin counties is here to help! Our trained caregivers can help with a range of services, from meal preparation and light housekeeping to assistance with hygiene and mobility. Editors Note: This article was submitted by David McKendry, President of Right at Home Grand Junction. He may be reached at 970-697-1331 or by email at David@gjhomecare.com. See ad on page
Caring for others is often driven by motivations of love and understanding. Its not uncommon for family caregivers to initially feel that their capacity for helping those they love is nearly limitless. From taking care of finances and managing medications to preparing meals and cleaning, theres certainly a sense of fulfillment that comes along with assisting a loved one. But many find themselves going through the motions of caring without taking time out to focus on their own needs often to the point of physical and emotional exhaustion. As a result, family caregivers may feel something theyve never experienced before: decreased empathy. This condition is known as compassion fatigue. In decades past, compassion fatigue was seen primarily in healthcare professionals but as the countrys aging population continues to grow, there are many family caregivers who are left feeling much the same way. In addition to the lower threshold of empathy, family caregivers experiencing compassion fatigue may feel the following: Exhaustion (physical and/or emotional) Feelings of dread or guilt Irritability, anxiety, or anger Difficulty sleeping Difficulty making decisions Feeling disconnected Trouble finding meaning in caregiving Self-isolation The worst symptom of compassion fatigue is denial because it prohibits family caregivers from examining the feelings associated with their caregiving situation. And if ignored for an extended period of time, family caregivers may begin to feel resentment toward their loved one, ultimately leading to a communication breakdown and strained relationship. Below are a few steps that family caregivers can take to combat compassion fatigue and get back to feeling positive about caring for their loved ones. Understand the common signs of compassion fatigue Practice a self-care of balanced diet, regular exercise, and consistent sleep. Find time to spend with friends and maintain social connections. Find a caregiver support program, community or online. Document your thoughts and feelings in a journal. Choose healthy activities during your downtime, a hobby, walking, meditating. Engage a counselor or therapist. Learn more about respite care and senior care services by contacting a local Comfort Keepers office today. Editors Note: This article was submitted by Ora Lee, owner of Comfort Keepers of Grand Junction. For more information she may be reached at 970-241-8818 or at: oralee@ckcolorado.com
At Cappella of Grand Junction, we carefully designed our Memory Support neighborhood to assist those living with Alzheimer's and dementia in a way that fosters individuality, dignity, a sense of value, and personal growth. Honoring the person as an individual is our mission and focus. We provide an environment where residents thrive, and families have peace of mind.
At Cappella of Grand Junction our assisted living community offers the support to enable each person to live their life to the fullest. With just the right amount of assistance, residents can enjoy their day independently and in harmony with others, free from the chores and cares of household maintenance. Our lovely and lively community boasts 40 spacious studio, one-bedroom and two-bedroom apartment homes, plus a wealth of inviting common spaces, including a full-service salon, Grab and Go Bistro, Luxurious Spa and a wellness and therapy center. Honoring Each Individual, Enriching Each Day at Cappella