If you or a loved one were facing a terminal illness, would you know where to turn for information about end-of-life care?Every year, half of the American population will be touched by the death of a friend, family member or colleague. Hospice providers across the country are united in urging all adults, regardless of age or circumstance, to learn more about end-of-life care options that can transform dying into the final act of living well.There are four general questions that should be explored before one is touched by the unsettling reality of a terminal prognosis, explains Ann Klein, RN, VITAS patient care administrator in New Jersey North. They are:1. How will pain be managed?2. If the patient prefers to remain at home, what kind of assistance and in-home care will be available?3. What role can family members have in patient care?4. How will the spiritual and emotional support necessary for quality end-of-life care be administered?Hospice is an end-of-life care option that answers all four questions, Klein says. Tailored to the needs of each patient and family, hospice provides care to patients diagnosed with a terminal illness. It includes expert pain management, but also goes beyond medical care, providing emotional and spiritual support that most Americans believe is an important aspect of end-of-life care.Hospice care is provided by a multi-disciplinary care team comprised of doctors, nurses, home health aides, social workers, clergy, and trained volunteers. Hospice care typically is provided in the home, allowing the patient to stay in a familiar setting surrounded by family and friends. Home is loosely defined, so terminally ill residents of nursing homes and assisted living facilities can receive hospice care without having to consider moving.Medicare, Medicaid and most private health insurance plans provide coverage for hospice services. The Medicare Hospice Benefit is an all-inclusive benefit and includes coverage for physician services, nursing care, home medical equipment and medical supplies, prescription drugs and over-the-counter medications related to the patient's terminal illness, counseling, spiritual support and bereavement support for the patients' loved ones. Patients and their families receive all benefits without any additional co-pays or ancillary payments.Editor's Note: This article was submitted by Robin Marshall, General Manager of VITAS Innovative Hospice Care of New Jersey North. For more information about hospice, visit the National Hospice and Palliative Care Organization, www.nhpco.org, or call VITAS at 973-994-4738.

As the population continues to age, the elderly are becoming more and more vulnerable to scam artists. These scams can come in many forms, both legal and illegal, that impact negatively on the vulnerable elderly.Seniors are often the target of these schemes because they are easier to prey on than younger people. By their nature, seniors are more trusting, and in many cases, are unlikely to report fraud to the proper authorities. Even when seniors report these crimes, they are often poor witnesses. Their age and memory make them poor candidates to report needed details to prosecute these individuals.Fraud comes in many forms: identity theft, telemarketing scams, counterfeit drug scams, loan fraud, home improvement fraud, prizes and sweepstake scams, mail fraud, information mining, internet scams, the sale of legal goods and services that are totally unneeded, and lastly, Medicare and Medicaid fraud. One kind of scam involves caretaker theft. Seniors are becoming more and more dependent on care takers, be they family members, or live-in employees. Eventually the senior can become completely dependent on the caretaker and unscrupulous caretakers take advantage of these situations. Children should be ever watchful when in these situations. I have had cases where seniors have given away homes and other very valuable assets to their caretakers. New Jersey has laws to protect seniors in these situations and if you suspect such abuse, please see an experienced elder law attorney immediately.Seniors and their families need to become educated in ways to protect their nest egg and their safety. Most fraud occurs when seniors are alone, childless or have little contact with their children. Seniors can protect themselves by seeking help from trusted relatives and professionals. Many times they resist this help, thinking that they may lose control of their lives. They must be persuaded otherwise. See an attorney to obtain a financial power of attorney, will and living will is a good start. Hiring a geriatric care manager to evaluate the seniors needs can prove invaluable. If you have any desire to discuss these issues further, we will provide you with a free initial consultation.Finally guarding your credit information, being aware of imposters and being a smart consumer are the best things they can do.Editors Note: Michael A. Manna is a Magna Cum Laude graduate of Boston College and a Cum Laude Graduate of Boston College Law School. After working in the tax department of the CPA firm of Peat Marwick Mitchell & Co., Mr. Manna entered the private practice of law in Ridgewood, New Jersey in 1975. Mr. Manna is admitted to practice in New Jersey, New York and Massachusetts and is a member of the bar of the Supreme Court of the United States. He is also a member of the National Academy of Elder Law Attorneys. Over the past thirty years, Mr. Manna has had extensive experience as a lecturer on legal topics for various boards of education and educational institutions. He can be reached at 201-447-2800.

A discount dental plan is a program that allows anyone to go to a board-certified dentist in their own neighborhood and pay a reduced rate (usually half) for any work they need done. Discount dental services are fortunately available to everyone. You don't have to be part of a company or a group.There are literally thousands of dentists in the tri-state area that are willing to offer significant discounts on all services, including braces.These discounts can go as high as 60%. Coverage in these programs begin immediately without any kind of pre-existing condition clause and they have no annual maximum.Editor's Note: This exact program is also available in Health Discounts. To find out more about either plan call Mark Heller toll free at 888-866-8451.Author: Mark Heller 

Selling your items is a big commitment, but you can get cash for your things. There are a lot of options out there, but this article will focus on three separate ways to get your possessions sold: Online sales Auction salesEstate sales Online SalesFrom Facebook Marketplace and Craigslist to Next Door and Ebay, there are a variety of ways you can sell everything from furniture to clothing. You have to do the work which includes posting your items with photos and a description, setting a price and dealing with questions from interested buyers. This takes some time and you should be cautious about who you are meeting if you agree to sell something to a stranger.  Auction SalesAuctions sales are an easy way for someone else to do the work for you. You can choose to have an auctioneer come to your home and hold a sale on your property if you have enough possessions. The advantage to using an auction house is that they have experience with what is popular and sells well. Plus, people follow certain auction houses which can bring an automatic audience for the sale.  Estate SalesEstate sales are a way to clear almost everything out of a home. Typically, estate sales are used when someone needs to move out quickly or after a death of the homeowner. Estate sale professionals can charge you several different ways such as one price for the entire sale or a portion of the proceeds. Make sure you understand all the terms upfront and look for someone who is bonded and insured since people will be on your property.  WayForth can help you or a family member with our comprehensive moving solutions including downsizing, space planning, packing and moving, and unpacking, and settling in your set-up in a new home, contact our moving professionals today at 817-697-4478 or go to our website to learn more!